SIF Returns Calculator

How to use the SIF returns calculator

Pick a fund and enter the amount you would have invested at launch. The calculator computes the units that ₹10 lakh (or whatever amount you specify) would have purchased at the inception NAV — typically ₹10.0000 — and multiplies that by the latest NAV to give you the current portfolio value. Subtract the original investment, divide by the original investment, and you have the absolute return. Annualize that over the time elapsed since inception to get the CAGR.

Two things the calculator deliberately does not do. First, it doesn't apply exit load — most SIFs charge 0.5–1% if redeemed within the first 6–12 months, but those are redemption-specific and dependent on your exit date. Second, it doesn't deduct taxes — equity-oriented SIFs attract 12.5% LTCG above ₹1.25 lakh after 12 months and 20% STCG before; hybrid and debt SIFs follow slab rates. See the SIF tax guide for worked examples.

What the numbers mean

Current Value is what your units are worth at today's NAV. Absolute Return is the percentage gain or loss on your invested capital — useful for short windows (6–12 months) where annualized numbers can mislead. CAGR (Compound Annual Growth Rate) is the geometric mean return per year — the standard for comparing funds with different inception dates. Alpha vs Benchmark is the SIF's return minus the SEBI-disclosed benchmark's return over the same window — the cleanest signal of whether the long-short strategy is working.

Frequently asked questions

How does the SIF returns calculator work?

Enter the amount you invested (or want to model investing), pick a SIF, and the calculator estimates the units you'd have received at the launch NAV, the current portfolio value at today's NAV, your absolute return percentage, and the annualized return (CAGR). The calculation assumes a single lumpsum on the inception date and uses Direct-plan, Growth-option NAVs sourced from the AMC.

Why does the calculator only support since-inception calculations?

Most Specialized Investment Funds in India launched between October 2025 and April 2026. There are typically not enough monthly NAV data points to support arbitrary date-range calculations yet. Once individual SIFs have 12+ months of NAV history, we will add custom date-range support. For now, since-inception is the most representative measure.

Is the calculated return accurate?

The calculation is mathematically exact for a single lumpsum on the inception date. NAVs come directly from AMC websites and are refreshed daily. However, real-world returns also depend on transaction costs, exit loads, taxation on redemption, and your actual entry-date NAV (which may differ from the launch NAV if you invested later). Use this as an estimate, not a brokerage statement.

Can I use this calculator for SIP investments?

Not yet. SIPs require monthly NAV data for the calculation. Most SIFs only added monthly NAV history in early 2026 — we will release a SIP-mode calculator in Q3 2026. For now, the calculator is lumpsum-only.

How do I compare returns across multiple SIFs?

Use the calculator to model the same investment amount across each SIF you're considering, then compare the final values. Or use the SIFPrime side-by-side comparison tool, which shows since-inception returns for up to 3 SIFs at once with Alpha Shield (capital protection) scoring layered on top.

Why is the minimum investment ₹10 lakh?

₹10 lakh is the SEBI-mandated minimum for all Specialized Investment Funds in India, set when the category was introduced on April 1, 2025. The calculator allows lower amounts for modelling purposes, but in practice you cannot subscribe to a SIF for less than ₹10,00,000 per PAN.