How to Invest & Withdraw
Mutual Fund Returns — CAGR, XIRR & Rolling Returns
How to measure returns correctly.
Updated 27 September 2026 · SEBI rules as of 2026
Absolute
(End − Start) ÷ Start
How to Invest & WithdrawOverview
Absolute return, CAGR, XIRR and rolling returns answer different questions. Use CAGR for lump sums, XIRR for SIPs and multiple cash flows, and rolling returns to judge consistency.
| Particular | Details |
|---|---|
| Absolute | (End − Start) ÷ Start |
| CAGR | (End ÷ Start)^(1/years) − 1 |
| XIRR | Annualised return for irregular cash flows |
| Rolling | Returns over all overlapping periods |
Example
| Investment | Absolute | CAGR |
|---|---|---|
| ₹1,00,000 → ₹1,76,234 in 5 years | Absolute 76.2% | CAGR 12.0% |
Trailing vs rolling
Trailing returns depend heavily on the start and end dates. Rolling returns (e.g. every 3-year period over 10 years) show how consistently a fund performed.
Plan your investment
Frequently asked questions
Are past returns guaranteed?
No — past performance may not be sustained.
Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Information is educational and may change with SEBI / tax rules — verify with the AMC, AMFI or SEBI. FinancePortal is not an investment adviser.