Calculate the true annualised return (XIRR) on your SIPs, mutual funds, and investments. Works for irregular cash flows — no spreadsheet needed.
Your SIP XIRR
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XIRR (Extended Internal Rate of Return) is the annualised return on an investment that accounts for the exact timing and amount of each cash flow. Unlike simple return%, XIRR gives you the true yearly return rate even when you invest at irregular intervals — like monthly SIPs or lump-sum top-ups.
CAGR (Compound Annual Growth Rate) assumes a single lump-sum investment and ignores the timing of cash flows. XIRR handles multiple investments at different dates, making it the correct metric for SIPs and portfolios with multiple transactions. For a single lump-sum investment with no additional top-ups, XIRR and CAGR give the same result.
| Asset Class | Typical XIRR (10yr) |
|---|---|
| Large-cap MF / Nifty 50 Index | 10–13% p.a. |
| Mid-cap equity MF | 13–18% p.a. |
| Small-cap equity MF | 14–20% p.a. |
| Debt / Liquid MF | 6–8% p.a. |
| PPF / EPF | 7–8.1% p.a. |
| Bank FD | 6–7.5% p.a. |
My Portfoly calculates XIRR for every holding and your entire portfolio — automatically. Connect your PAN, import from CAMS, or add manually.
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