Mutual Fund SIP Backtest with Real NAV (India)

Mutual Fund SIP Backtest

Backtest a SIP against any Indian mutual fund's real NAV history. CAGR + XIRR side by side. Lumpsum mode supported.

100% private - everything runs in your browser, no data is sent anywhere

₹
₹

CAGR

20.11%

Absolute Returns

150.00%

Total Gain

₹1,50,000

Period

5.0 yrs

Formula: CAGR = (Final / Initial)^(1/n) - 1 = (2,50,000 / 1,00,000)^(1/5.00) - 1

Reverse CAGR: Future Value

Future Value

₹3,10,585

ℹ️
Disclaimer: Mutual fund investments are subject to market risks.
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This tool backtests against historical NAV. It replays how your SIP or lumpsum would have performed in a real Indian mutual fund using actual past prices. For forward projection - "what corpus will my SIP build at an assumed rate?" - with annual step-up and inflation adjustment, use the SIP Calculator with Step-Up. The two tools are complementary: this one for evaluating real fund performance, the other for goal planning.

Frequently Asked Questions

What does this mutual fund SIP backtest tool do?+
Search any Indian mutual fund by name, enter a monthly SIP amount, and the tool backtests how your investment would have grown using actual historical NAV data. Unlike forward-projection SIP calculators that assume a flat return rate, this one replays real fund performance so the result reflects what actually happened. Also supports lumpsum mode and side-by-side fund comparison. For forward goal projection (with step-up + inflation adjustment), use the dedicated SIP Calculator at /tools/sip-calculator.
How is this different from a regular SIP calculator?+
Most SIP calculators ask you to assume a fixed annual return like 12%. This tool searches actual fund NAV history and computes the SIP outcome that would have happened with that specific fund - no assumed rate. You can compare two funds side-by-side to see which would have built a larger corpus for the same SIP.
What is the difference between SIP and lump sum returns?+
Lump sum invests the entire amount at once, while SIP (Systematic Investment Plan) invests a fixed amount monthly, benefiting from rupee cost averaging. SIP smooths volatility by buying more units when prices are low. Use SIP mode in the tool for monthly contributions, lumpsum mode for one-time investments.
What is CAGR in mutual funds?+
CAGR (Compound Annual Growth Rate) is the annualized rate of return that shows how much your investment grew per year on average over a given period. The tool shows CAGR alongside XIRR for SIP scenarios.
What is XIRR and when should I use it?+
XIRR (Extended Internal Rate of Return) is the right metric for SIP investments where contributions happen on multiple dates. CAGR assumes a single investment date - XIRR handles the irregular cashflow pattern of SIPs accurately. The tool computes both.
Are mutual fund returns guaranteed?+
No. Mutual fund returns are subject to market risk. The calculator shows what historical performance WOULD have produced, not a guarantee of future returns. Past performance is not indicative of future results.