What is a SIP?
A Systematic Investment Plan puts a fixed amount into a fund on a set day each month. Each installment buys units at that day's NAV, so you buy more units when prices are low and fewer when they are high.
MF-01 // portfolio benchmark
Mutual Fund Portfolio Benchmark
Add any funds, set a monthly SIP for each, pick one period, and see how the portfolio performed against Nifty 50, Nifty 500, and any benchmark you choose.
How to read this calculator
Why XIRR, not CAGR?
A SIP invests money at many different dates, so a single point-to-point CAGR does not describe it. XIRR is the money-weighted annualized return across every dated cash flow, which is the correct figure for a SIP.
How the benchmark compares
The same monthly amounts and dates are applied to a low-cost index fund that tracks the benchmark. That answers a fair question: what if the same SIP had gone into the index instead. Excess return, or alpha, is your XIRR minus the benchmark XIRR.
About the data
NAV history comes from the free mfapi.in service and updates daily. Benchmarks use real index funds as proxies, so their returns already include fund costs. Past performance does not predict future returns.