How To Calculate The Returns From Your Mutual Fund Holdings?

If you have made a one time lump sum investment and opted for the  growth/dividend reinvestment options here is the formula: CAGR = [(final amount/amount invested)^(1/tenure)] – 1

In case you have a SIP and have opted for the growth option,then use the IRR feature in excel to calculate your returns.

In every other case use the XIRR feature in excel.

Remember that money out of your pocket is marked”-” and money into your pocket is “+” while calculating IRR and XIRR. For worked samples see this link.