Mutual fund backtester
What if you had started then? Run a SIP or lumpsum through a fund's real NAV history.
Example result
- Your investment would be worth
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- Total invested
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- Gain / loss
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- Return (XIRR, per year)
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- Worst fall in NAV along the way
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- Valued on
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Year by year
| Year | Invested | Value |
|---|
How this is calculated
NAVs are the official daily values published by AMFI. For a SIP, FID buys units on the first NAV date on or after the 1st of each month; a lumpsum buys once on the first NAV date on or after the start. Units = amount ÷ NAV on the purchase date.
Value = total units × NAV on the last date in the period
Return is XIRR across every purchase and the final value. "Worst fall" is the largest drop in the fund's NAV from a previous high, between the first purchase and the valuation date. Results are before exit load, stamp duty and tax, and past returns do not predict future returns.
Questions
Where does the NAV data come from?
From the Association of Mutual Funds in India (AMFI), which publishes the official NAV of every scheme each business day. FID imports it daily and keeps history for the funds offered here.
Does this include exit loads or tax?
No. NAVs already reflect the fund's expense ratio, but exit loads, stamp duty and capital-gains tax are not deducted. Results are pre-tax.
Does past performance predict future returns?
No. A backtest shows what happened in one particular period. The same fund can behave very differently in another period, which is why the worst fall along the way is shown next to the return.
Why do SIP dates differ from my statement?
FID buys on the first NAV date on or after the 1st of each month. Your actual SIP date and any holidays can shift purchases by a few days.
Estimates for educational purposes only. Not financial, tax or investment advice.