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MF Analyzer for Direct Growth Schemes (past Performance)

(All Mutual fund investments are subject to market risk, minimum horzon shall be 3 Years)

    


(After updation, refresh the page, if still date does not change clear cache by deleting browsong history ,

and on mobile(Android) go to Setting ->Apps->Chrome->Storage & Cache ->Clear Cache)

Objective of this App:

This Software is intended for building one's own Mutual Fund Portfolio as per their risk profile.

1. For deciding the risk profile is one's goal, for short term means 1-3 yrs a steady growth is required, for which low and moderate type of schemes can be selected. The software gives many schemes under different risk profiles. Select the lowest std dev for lowest risk in that profile. However this can be judged with 'Rolling Avg' and 'Std Dev'. The header of the table can be clicked to sort the columns


2. For Meduim risk taker the time horizon shall be min 7 years and similar fashions the schemes can be selected.

3. For high risk taker the time horizon shall be more than ten years.

The general guidelines is one must balance schemes with their apetite, and disposable income , which can be parked in MF for growth beating the inflation


There are various ways of investment Lumpsump , SIP

ADVANTAGE OF DIRECT SCHEMES:
Direct Plan Image

From above data and chart it is clearly an edge over with direct plans compared to regular plan and the difference in amount increases with years. The above figures are with actual data of some scheme. In direct plan there is no mediator to suggest and one has to take his own decision for investment. This software gives and insight into the different prevailing schemes from various fund houses, where one can find the suitable schemes as per their risk profile.


(ऊपर दिए गए डेटा और चार्ट से, यह स्पष्ट है कि डायरेक्ट योजनाओं में रेगुलर योजनाओं की तुलना में फायदा है, और राशि में अंतर वर्षों के साथ बढ़ता है। ऊपर दिए गए आंकड़े किसी योजना के वास्तविक डेटा के साथ हैं। डायरेक्ट योजना में, कोई मध्यस्थ सुझाव देने के लिए नहीं होता है, और व्यक्ति को निवेश के लिए अपना निर्णय स्वयं लेना होता है। यह सॉफ़्टवेयर विभिन्न फंड हाउसों से प्रचलित विभिन्न योजनाओं में एक अंतर्दृष्टि देता है, जहां व्यक्ति अपनी जोखिम प्रोफाइल के अनुसार उपयुक्त योजनाएं पा सकता है। )

  • How you can invest in direct plan.




    • CAGR Tables with Rolling Avg and std devn.


    CAGR Table for checked schemes:


    FILTERING OF SCHEMES AS PER YOUR RISK PROFILE:




    to

    (Note: If no data after filter, widen or lower the expected CAGR)

    ▶ Checked Schemes:
    Scheme Name Std Devn, 1Y
    CAGR    		 3Y
    CAGR    		 5Y
    CAGR    		 7Y
    CAGR    		 Inception Return Incp Date Type

    CAGR RETURN TABLE:

    The color scheme depicts the return, greener --> higher, reddish <--lower, red border : lowest in that period



    No. of Selected Schemes

    Return Calculation

    AABSOLUTE RETURN TABLE:

    CAGR RETURN TABLE:


    The tables for absolute returns gives an insight how much money is growing in percentage terms, 100% return means the money has doubled. CAGR is Componded annual growth rate. CAGR is a useful metric that shows the average annual growth rate of an investment over a specific time period, assuming the profits were reinvested each year.
    Why Use CAGR

  • Smooths out returns to show a steady growth rate
  • Useful for comparing different investments
  • Avoids misleading results from volatility.

    • MF vs FD Absolute Returns (₹)







    SIP Return Calculation







    SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly (usually monthly) in a mutual fund scheme — especially equity funds. It’s like setting up an automatic savings plan that invests in the market over time.

    Feature Description
    Regular Investment You invest a fixed amount (e.g., ₹5,000) every month
    Rupee Cost Averaging You buy more units when prices are low, fewer when prices are high — reducing average cost per unit
    Compounding Effect Earnings are reinvested and grow over time
    Disciplined Saving Encourages consistent investment without trying to time the market


    Month NAV (Price per Unit) Units Bought
    Jan ₹50 100.00
    Feb ₹40 125.00
    Mar ₹25 200.00
    Apr ₹50 100.00
    Total Units 525.00
    Total Invested ₹20,000
    Current NAV ₹50 Value = ₹26,250

    SWP Return Calculation

    (If inception dates not updated,click Extract NAV in Scheme Selection)

    elect Schemes as per inception date (in bracket)







    Complete Month Wise Calculation Table:

    🔁 What is SWP?


    An SWP (Systematic Withdrawal Plan) is a facility that allows you to withdraw a fixed amount regularly (e.g., monthly) from your mutual fund investment — like a reverse SIP. While SIP is for investing regularly, SWP is for withdrawing regularly — making it useful for generating a steady income, especially after retirement.



  • You invest a lump sum (say ₹10 lakhs) in a mutual fund.
  • Then, you automatically withdraw a fixed amount (e.g., ₹10,000 per month).
  • Withdrawals are funded by redeeming units from your fund based on NAV
    • SWP Example Table:
    Month NAV Units Sold Amount Withdrawn Remaining Units
    Jan ₹50 200.00 ₹10,000 10,000 - 200 = 9,800
    Feb ₹40 250.00 ₹10,000 9,800 - 250 = 9,550
    Mar ₹25 400.00 ₹10,000 9,550 - 400 = 9,150
    Apr ₹50 200.00 ₹10,000 9,150 - 200 = 8,950


    SWP FEATURE TABLE


    Feature Description
    Regular Income Withdraw a fixed amount (e.g., ₹10,000) at regular intervals like monthly or quarterly
    Flexible Amount & Schedule You can choose the withdrawal amount and frequency (monthly, quarterly, etc.)
    Capital Preservation Ideal for retirees — generates income while keeping remaining capital invested
    Tax Efficiency Only capital gains are taxed (not the full withdrawal amount), making it more tax-efficient than fixed deposits or pensions

    SIP + SWP Calculation

    (If inception dates not updated,click Extract NAV in Scheme Selection)

    Select Schemes as per inception date (in bracket)

    SIP Parameters

    SWP Parameters




    🔁 What is SIP → SWP?


    SIP → SWP is a smart investment strategy where you first invest via SIP to build wealth over time, and then withdraw through SWP to generate regular income. This is especially useful for long-term planning — like saving for retirement (SIP phase), and then using the accumulated fund as a pension-like income (SWP phase).

    SIP helps you build wealth steadily over time. SWP is more tax-efficient than salary, FD interest, or pensions. SIP benefits from market dips and long-term growth. Ideal for transitioning from working years to retirement income. You control when to stop SIP and when to start SWP, and how much to withdraw


    FeatureDescription
    Wealth CreationSIP helps you build wealth steadily over time
    Tax Efficient Withdrawals SWP is more tax-efficient than salary, FD interest, or pensions
    Rupee Cost Averaging +
    Compounding     		SIP benefits from market dips and long-term growth
    Retirement-Ready Plan Ideal for transitioning from working years to retirement income
    Custom Flexibility You control when to stop SIP and when to start SWP, and how much to withdraw

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    Disclaimer:

    We don't recommend for any scheme. The software gives an insight for various way of analysing the schemes based on past data. The risk profiles are based on standard deviation and is not for any recommendation. For any investment will be solely the user decision or may consult the financial advisors.