CAGR Calculator (Compound Annual Growth Rate)
💡 2 Minute Summary (Busy Logo Ke Liye)
Kya hai: CAGR ek annual growth rate hota hai jo batata hai ki aapka investment har saal average kitne percent se bada.
Kisko chahiye: Mutual Funds, Stocks, SIP, Lumpsum, Crypto, Business ya Property return compare karne walon ke liye.
Reality: CAGR smooth number dikhata hai, real returns har saal upar-neeche hote hain.
Pro Tip: Alag-alag investments ko compare karne ke liye CAGR best tool hai.
📑 Is Article Mein Kya Hai?
What is CAGR?
CAGR ka full form hai Compound Annual Growth Rate. Simple shabdon mein, CAGR ye batata hai ki aapka investment har saal average kitni speed se grow kiya.
Bahut log bolte hain “mera fund 5 saal mein double ho gaya”. Lekin sawal ye hai – har saal kitna grow hua? Isi sawal ka jawab CAGR deta hai.
Agar aapne ₹1,00,000 invest kiye aur 5 saal baad value ₹2,00,000 ho gayi, toh CAGR roughly 14.9% hota hai.
Why CAGR is Important?
CAGR isliye important hai kyunki ye sab investments ko ek common scale par la deta hai. Chahe investment mutual fund ho, stock ho, FD ho ya business – CAGR se comparison easy ho jata hai.
Absolute return sirf ye batata hai ki total kitna paisa bada, lekin CAGR batata hai ki time ke hisaab se performance kaisi rahi.
CAGR Formula Explained
Formula simple dikhta hai, lekin manually calculate karna thoda tricky hota hai. Isliye CAGR Calculator use karna best option hai.
Real CAGR Calculation Examples
📈 Example 1
Initial Value: ₹50,000
Final Value: ₹1,00,000
Time: 5 Years
CAGR ≈ 14.9%
📈 Example 2
Initial Value: ₹5,00,000
Final Value: ₹15,00,000
Time: 10 Years
CAGR ≈ 11.6%
CAGR vs Absolute Return
| Factor | CAGR | Absolute Return |
|---|---|---|
| Time Consideration | Yes | No |
| Best for Comparison | Yes | No |
| Accuracy | High | Misleading |
CAGR vs XIRR
CAGR tab use hota hai jab ek hi baar investment hua ho (lumpsum). Agar multiple investments alag-alag time par hue hain (jaise SIP), toh XIRR better hota hai.
Rule: Lumpsum = CAGR | SIP = XIRR
CAGR in Mutual Funds & Stocks
Mutual fund factsheets aur stock analysis mein CAGR sabse zyada use hota hai. 12–15% long term CAGR equity ke liye healthy mana jata hai.
Lekin yaad rakho, CAGR guaranteed nahi hota. Market ups and downs ko CAGR smooth karke dikhata hai.
Common CAGR Mistakes
❌ CAGR ko guaranteed return samajhna
❌ Short term CAGR dekh kar decision lena
❌ Inflation aur tax ignore karna
Expert Tips (Vivek Bhai Style)
✔ 7–10 saal se kam ke data par CAGR mat judge karo
✔ Equity CAGR ko FD se compare karte waqt risk samjho
✔ SIP ke liye CAGR nahi, XIRR use karo
❓ FAQ – Aapke Sawaal
Q1. Kya CAGR exact return hota hai?
Nahi. CAGR average annual growth dikhata hai, real yearly returns fluctuate karte hain.
Q2. SIP ke liye CAGR sahi hai?
Nahi. SIP ke liye XIRR calculate karna chahiye.
Q3. FD ka CAGR kaise hota hai?
FD mein CAGR almost interest rate ke barabar hota hai kyunki return fixed hota hai.
Q4. CAGR negative bhi ho sakta hai?
Haan. Agar final value initial se kam ho, toh CAGR negative aata hai.
Q5. Ideal CAGR kitna hona chahiye?
Equity ke liye long term mein 12–15% achha mana jata hai.
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