CAGR Calculator
"Mera paisa 5 saal me dogna ho gaya" — sunne me achha lagta hai, par saal ka return kitna hua? CAGR yahi batata hai. Do numbers aur saal daaliye, aur seedha saalana return percent me mil jaata hai — jisse alag-alag nivesh ki tulna sahi tarah ho paati hai.
Calculator
Kaise banta hai
CAGR ka matlab hai wo ek dar jispar aapka paisa har saal badhta to wahi aakhri value banti. Ye upar-neeche ke utaar-chadhav ko chikna kar ke ek seedha number de deta hai. Isi liye 3 saal me 40% aur 7 saal me 90% badhne wale do nivesh ki tulna CAGR se hi theek se ho paati hai.
n = saal
Teen asli misaal — number ke saath
Misaal 1 — lamba nivesh. ₹12,000 se ₹2,00,000, 25 saal me. CAGR lagbhag 11.91% nikalta hai, jabki total growth 1,566.7% dikhta hai. Bada percent dekh kar dhokha na khaayein — saal ka return 12% ke aaspaas hi hai.
Misaal 2 — dogna hone ka samay. ₹1 lakh 6 saal me ₹2 lakh hua. CAGR = 12.25%. Yahi "Rule of 72" ka aadhaar hai — 72 ÷ 12 = 6 saal.
Misaal 3 — zameen ki tulna. Zameen ₹10 lakh se 12 saal me ₹30 lakh hui — CAGR lagbhag 9.6%. Sunne me teen guna bada lagta hai, par saalana dar FD se thodi hi zyada hai.
Log yahan galti kya karte hain
- Total return ko saalana samajh lena. 5 saal me 60% badha, iska matlab saal ka 12% nahi hota — CAGR lagbhag 9.9% banta hai.
- Beech me daale gaye paise ko na ginna. Agar aapne beech me aur paisa daala hai to CAGR sahi jawab nahi dega. Aise me XIRR chahiye hota hai.
- Mehngai ko chhod dena. 12% CAGR par mehngai 6% hai to asli badhotri lagbhag 5.7% hi hai.
- Bahut chhote samay par CAGR nikalna. 6 mahine ke data ko saalana banane se number bhramit karta hai.
- Kharch aur tax na ghatana. Brokerage, expense ratio aur tax ke baad haath me aane wala CAGR hamesha kam hota hai.
Bharat me khaas baatein
- Mutual fund: Fact sheet me 1/3/5 saal ka CAGR diya hota hai. 5 saal se kam ka number bahut bharosemand nahi hota.
- SIP ke liye: SIP me har kist ki tareekh alag hai, isliye CAGR ki jagah XIRR sahi maap hai.
- Property: Zameen ya makaan ka CAGR nikalte waqt registry, stamp duty aur maintenance bhi jodein.
- Gold: Lambe samay me gold ka CAGR aam taur par 8-10% ke aaspaas raha hai, par beech ke saal bahut alag rahe hain.
- Tulna: Do nivesh ki tulna hamesha ek hi avadhi par karein.
Ye tools bhi dekh lein
Aksar pooche jaane wale sawaal
CAGR ka matlab kya hai?
Compound Annual Growth Rate — wo saalana dar jispar paisa badha maana jaata hai.
CAGR aur absolute return me kya farak hai?
Absolute return kul badhotri batata hai, CAGR use saal ke hisaab se baant deta hai.
Kya CAGR negative ho sakta hai?
Haan. Agar aakhri value shuru se kam hai to CAGR negative aayega.
SIP ke liye CAGR sahi hai?
Nahi, SIP ke liye XIRR behtar hota hai kyunki har kist ka samay alag hota hai.
Achha CAGR kitna maana jaata hai?
Equity me lambe samay me 10-12% aam maana jaata hai. Isse bahut zyada ka daava shak ki nazar se dekhein.