XIRR Calculator — Alag-Alag Tarikh Ke Nivesh Ka Asli Return
Agar aapne paisa ek hi din lagaya hota, to CAGR kaafi tha. Par asli zindagi me nivesh kisht me hota hai — kabhi 5,000, kabhi 20,000, beech me kuch nikaal bhi liya. Aise me sahi return sirf XIRR batata hai.
Neeche har lain me tarikh aur rakam daaliye. Jo paisa aapne lagaya wo minus me, jo aaj ki value ya nikaasi hai wo plus me. Neeche saalana return dikh jayega.
XIRR aur CAGR me asli farak kya hai
CAGR ka ek hi sawaal hota hai: shuru me itna tha, aakhir me itna hai, beech me kitne saal lage. Isme ye maan liya jaata hai ki poora paisa pehle din lag gaya tha. SIP me aisa hota hi nahi.
Aakhri kisht ko sirf ek mahina mila hai, pehli kisht ko teen saal. Dono ko ek jaisa maan lena galat tasveer deta hai. XIRR har rakam ko uski apni tarikh se tolta hai, isliye jawab sach ke paas hota hai.
| Sthiti | Kaunsa sahi hai |
|---|---|
| Ek baar paisa lagaya, ek baar nikaala | CAGR bhi theek, XIRR bhi wahi jawab dega |
| SIP ya kai baar nivesh | Sirf XIRR |
| Beech me nikaasi ya SWP | Sirf XIRR |
| FD, NSC, KVP | CAGR kaafi hai |
Cashflow sahi tarike se kaise likhein
XIRR ka jawab tabhi sahi aata hai jab chinh (plus-minus) sahi lagein. Yahi sabse aam galti hai.
- Minus — jo paisa aapki jeb se nikla: har SIP kisht, har lumpsum, har top-up.
- Plus — jo paisa aapke paas aaya: redemption, dividend, SWP, aur aakhir me aaj ki bachi hui value.
- Aakhri lain hamesha aaj ki tarikh aur aaj ki kul value honi chahiye — warna hisaab adhoora rahega.
Statement se copy karte waqt ek cheez dhyaan me rakhiye: dividend ya IDCW agar aapke bank me aaya tha to wo plus me alag lain hai. Agar wo dobara usi fund me lag gaya tha, to use likhne ki zaroorat nahi — wo aaj ki value me pehle se shaamil hai. Dono jagah likh dene se return jhootha bada dikhne lagta hai.
Ek asli misaal — teen saal ki SIP ka poora hisaab
Maan lijiye har mahine ki 5 tarikh ko ₹5,000 ki SIP, teen saal tak. Kul jama 1,80,000. Aaj ki value 2,32,000.
| Naapne ka tarika | Jawab | Ye kya keh raha hai |
|---|---|---|
| Kul faayda | 28.9% | Teen saal me kul, saalana nahi |
| Faayda batey saal | 9.6% | Galat — samay ka wazan nahi laga |
| CAGR (1.8 se 2.32 lakh) | 8.8% | Galat — poora paisa pehle din nahi laga tha |
| XIRR | ~17.3% | Sahi — har kisht apne samay se toli gayi |
Farak dekhiye — 8.8% aur 17.3%. Ek hi nivesh, do bilkul alag kahaniyan. Isi wajah se SIP ke return dekhte waqt sirf XIRR par bharosa karna chahiye. Kai jagah dikhne wala absolute return lamba samay hone par bahut bada dikhta hai, jabki saalana rafteer saadharan hoti hai.
Kahan XIRR dhokha de sakta hai
XIRR sahi jawab deta hai, par jawab ko samajhna bhi zaroori hai. Teen sthitiyan jahan number bada ya chhota dikh sakta hai.
- Bahut chhota samay — do mahine me 4% ka faayda XIRR me lagbhag 27% saalana dikhta hai. Ye ek anuman hai, na ki saal bhar chalne wali rafteer.
- Nayi badi rakam — aakhir me daala gaya bada paisa poore itihaas ka number kheench leta hai.
- Adhoora data — ek kisht chhoot gayi ya purani nikaasi likhi nahi, to jawab bekaar ho jaata hai.
Tax bhi jod lijiye, tabhi tasveer poori hai
Jo XIRR aapko dikha, wo tax se pehle ka hai. Haath me aane wala return isse kam hota hai. Equity fund me ek saal se zyada rakhne par long term ka hisaab lagta hai aur saal bhar me ek seema tak faayda chhoot me aata hai; usse kam samay par chhoti avadhi ka ooncha rate lagta hai.
Isliye do funds ka milaan karte waqt dono ka XIRR bhi dekhiye aur ye bhi ki paisa kitne samay se pada hai. Ek fund ka 15% jo abhi 10 mahine purana hai, aur doosre ka 13% jo teen saal se chal raha hai — tax ke baad dono ka farak kaafi kam ho jaata hai.
Fund ke andar ke kharche ka asar dekhna ho to Expense Ratio Impact Calculator aur jaldi bechne par lagne wale bojh ke liye Exit Load Calculator dekh lijiye.
Aksar pooche jaane wale sawaal
XIRR aur CAGR me kya farak hai?
CAGR maanta hai ki poora paisa ek hi din laga tha. XIRR har rakam ko uski apni tarikh se tolta hai. SIP ya kai baar ke nivesh me sirf XIRR sahi jawab deta hai.
Kitna XIRR achha maana jaata hai?
Ye is baat par nirbhar hai ki paisa kahan laga hai. Equity fund me lambe samay me 11-13% ke aas-paas ka anuman aam maana jaata hai, debt me isse kaafi kam. Koi tay rakam nahi hoti, ye bazaar par nirbhar hai.
XIRR minus me kaise aa sakta hai?
Jab aaj ki value aapke lagaye hue kul paise se kam ho. Chhote samay me ye aam baat hai aur ismein ghabraane wali koi baat nahi.
Kya SIP ke liye har kisht alag lain me likhni zaroori hai?
Haan, isi se sahi jawab aata hai. Statement se tarikh aur rakam copy kar lijiye. Kisht chhoot gayi to number galat aayega.
Aakhri lain me kya daalna hai?
Aaj ki tarikh aur aapke portfolio ki aaj ki kul value, plus me. Agar aap poora paisa nikaal chuke hain to nikaasi ki tarikh aur rakam daaliye.
Is page ke number aur niyam in sarkari/official jagah se liye gaye hain. Dar aur rules badalte rehte hain, isliye kisi bhi bade faisle se pehle seedha yahan ek baar dekh lein: