XIRR · SIP

How to calculate XIRR for your SIP investments

A SIP puts money in on many dates, so a plain percentage gain hides how long each instalment was invested. XIRR fixes that: it finds the single yearly rate that explains all your dated instalments and what they are worth today.

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What XIRR measures

XIRR is the annualised return that makes the value of every dated cash flow add up. Each SIP instalment counts as money going in on its own date, and the current value counts as money coming out today.

CAGR assumes one lump sum on one date, so it is the wrong tool for a SIP. XIRR is built for investments that arrive in pieces.

What you need to calculate it

  • The date and amount of every instalment, purchase and redemption.
  • The current value of your units (units held times today's NAV).
  • A spreadsheet's XIRR function, or a tool that reads your statement and does it for you.

Getting the numbers from your CAS

A detailed CAS from CAMS or KFintech lists every dated amount, which is exactly the input XIRR needs. The Mutual Fund Journal reads it and shows XIRR for each fund and for the whole portfolio.

Work out your SIP XIRR

  1. 01Get a detailed CASRequest it since inception so no early instalment is left out.Open the page ↗
  2. 02Upload itChoose the PDF in the Mutual Fund Journal. It is read in your browser.
  3. 03Read the XIRR columnEach fund's XIRR is in the table; the portfolio's is in the summary.

Common questions

Is XIRR the same as CAGR?

No. CAGR assumes one investment on one date. XIRR accounts for each instalment's own date, so it suits SIPs.

Why does my SIP XIRR change every day?

Because the current value moves with the NAV. Past returns do not predict future ones.

Can I calculate XIRR in Excel?

Yes, with the XIRR function on a list of dates and amounts, with instalments as negative numbers and today's value as a positive one.

Ready when you are. It takes about two minutes.

Calculate my XIRR

Arthtome is not a SEBI-registered Investment Adviser or Research Analyst. Data shown is based on the user's CAS and entries, AMFI's public NAV data and NSE's end-of-day prices. For informational and educational purposes only. No buy/sell recommendation. Past performance is not indicative of future returns.