CAGR Calculator
Initial value, final value aur time se apni investment ki annualised growth rate (CAGR) nikalein — mutual fund, stock ya kisi bhi asset ke liye.
How CAGR is calculated
CAGR — Compound Annual Growth Rate — batata hai ki investment ne har saal average kitna grow kiya, compounding maan kar:
Example: ₹1,00,000 → ₹1,80,000 in 5 years = (1.8)^(1/5) − 1 ≈ 12.47% per year, even though the actual yearly returns went up and down.
CAGR alag hai absolute return se — absolute return sirf total gain dikhata hai (80%), CAGR usse saal ke hisaab se normalize karta hai. Isliye alag-alag duration ki investments compare karne ke liye CAGR hi sahi metric hai.
FAQ
CAGR vs absolute return — kya difference hai?
Absolute return total growth hai (₹1L → ₹1.8L = 80%). CAGR wahi growth ko per-year average me todta hai (80% over 5 years ≈ 12.47%/year). Two investments with different tenures ko compare karne ke liye hamesha CAGR dekhein, absolute nahi.
Kya SIP returns ke liye CAGR sahi hai?
Nahi. CAGR tab hi accurate hai jab ek hi baar lumpsum invest hua ho. SIP me multiple dates par invest hota hai — uske liye XIRR use hota hai jo har cash flow ki date aur amount consider karta hai. PaisaKit ka SIP calculator step-up ke saath future value dikhata hai.
Negative CAGR possible hai?
Haan. Agar final value initial se kam hai (₹1L → ₹80k in 3 years), CAGR ≈ −7.17% aayega. Loss ko per-year average me dikhata hai. Aur agar final value zero ya negative ho, toh CAGR mathematically define nahi hota.
Kya past CAGR future me repeat hoga?
Bilkul nahi guarantee. CAGR sirf past ka description hai, prediction nahi. Mutual fund returns market se depend karte hain — 12% ka historical CAGR agle saal −5% bhi ho sakta hai. Return assumptions conservative rakhein.