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Investing Basics · 3 min read

CAGR vs absolute returns: reading fund performance honestly

A '100% return' means very different things over 3 years and over 12. CAGR puts every investment on the same scale.

Absolute return simply measures total growth: (End − Start) / Start. It ignores how long the money took to get there.

CAGR — Compound Annual Growth Rate — annualises that growth: CAGR = (End / Start)^(1/years) − 1. It tells you the steady yearly rate that would have produced the same result.

An example

₹1,00,000 growing to ₹2,00,000 is a 100% absolute return either way. Over 3 years that's a CAGR of about 26% — excellent. Over 12 years it's about 6% — below what a simple debt fund might have delivered.

Always compare funds on CAGR over the same period, and against the fund's own benchmark.

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