ROI Calculator India 2026 — Return on Investment Calculator Monthly & Annual

Calculate ROI percentage, monthly ROI, CAGR, post-tax return, and real return (inflation-adjusted). Compare return on investment across FD, equity MF, real estate, gold, and business investments in India.

📈 ROI Calculator Monthly 🏭 Return on Investment Calculator India 🔰 ROI % = (Gain / Cost) × 100 ✅ CAGR Calculator 📉 Post-Tax Real Return 📊 Investment Comparison
Return on Investment Calculator India

Calculate ROI & Returns

Enter investment amount, final value or return rate, and time period. Get ROI %, CAGR, monthly ROI, and post-tax real return.

📈 Investment Details
₹1.00 L
₹1,000₹100 Cr
₹2.00 L
₹1,000₹200 Cr
6 yrs
3 months40 yrs
₹0
₹0₹50 Cr
₹0
₹0₹5 Cr
🔰 Tax & Inflation
12.5%
0% (Tax-free/EEE)35%
6%
0%15%
⏳ Monthly ROI Calculator
₹1.00 L
₹1,000₹100 Cr
₹1,000
₹0₹1 Cr
5%
0% (No growth)30%
5 yrs
1 yr30 yrs
30%
0%35%
⏳ Monthly ROI = Monthly Income / Investment × 100. Total ROI combines monthly income + capital appreciation. Useful for rental property, dividend stocks, FDs.
📊 Compare Two Investments
₹1.00 L
₹1,000₹100 Cr
10 yrs
1 yr40 yrs
12%
0%40%
12.5%
0% (Tax-free)35%
7.1%
0%40%
0%
0% (Tax-free/PPF)35%
6%
0%15%
📊 Default: A = Equity MF 12% (LTCG 12.5%) vs B = PPF 7.1% (0% tax). Shows which gives better post-tax real return over the same period.
📈 ROI Percentage
0%
loading...
CAGR: 0%  |  Monthly ROI: 0%  |  Real Return: 0%
📈 Gross ROI
0%
before tax
🎯 Post-Tax ROI
0%
after tax
0% ROI
Invested Returns Tax
YEAR-WISE ROI GROWTH
🚀 Get Investment ROI Advice on WhatsApp
VR
Vikash Royal ARN-356458
B.E. | MBA Finance | NISM Certified | 7+ Years in Finance

📈 Return on Investment Calculator India — Growth of ₹1 Lakh at Different ROI Rates

Final value of ₹1 lakh investment at different annual ROI rates and time periods. Also shows monthly ROI equivalent.

Annual ROI Monthly ROI 1 Year 3 Years 5 Years 10 Years 20 Years Doubles in
3.50% (Savings A/c) 0.287%/mo ₹103,500 ₹110,872 ₹118,769 ₹141,060 ₹198,979 20.6 yrs
6.00% 0.487%/mo ₹106,000 ₹119,102 ₹133,823 ₹179,085 ₹320,714 12 yrs
7.10% (PPF/FD) 0.573%/mo ₹107,100 ₹122,848 ₹140,912 ₹198,561 ₹394,266 10.1 yrs
8.25% (EPF) 0.663%/mo ₹108,250 ₹126,848 ₹148,641 ₹220,942 ₹488,155 8.7 yrs
10.00% 0.797%/mo ₹110,000 ₹133,100 ₹161,051 ₹259,374 ₹672,750 7.2 yrs
12.00% (Equity est.) 0.949%/mo ₹112,000 ₹140,493 ₹176,234 ₹310,585 ₹964,629 6 yrs
15.00% 1.171%/mo ₹115,000 ₹152,088 ₹201,136 ₹404,556 ₹1,636,654 4.8 yrs
18.00% 1.389%/mo ₹118,000 ₹164,303 ₹228,776 ₹523,384 ₹2,739,303 4 yrs
24.00% 1.809%/mo ₹124,000 ₹190,662 ₹293,163 ₹859,443 ₹7,386,415 3 yrs

Monthly ROI = (1 + Annual ROI/100)^(1/12) - 1. "Doubles in" uses Rule of 72 (72 / Annual ROI). At 12% annual ROI (equity MF estimate): Rs 1 lakh becomes Rs 9.65 lakh in 20 years. At 3.5% (savings account): same Rs 1 lakh becomes only Rs 1.99 lakh in 20 years. The difference between 3.5% and 12% ROI over 20 years: Rs 7.66 lakh on a Rs 1 lakh investment. Over Rs 1 crore invested, the difference would be Rs 7.66 crore. Higher ROI compounded over long periods creates enormous wealth differences.

📊 ROI Comparison — Pre-Tax vs Post-Tax Return on Investment India 2026

Gross ROI vs net post-tax ROI for different investments at 30% tax slab. Shows true return you actually keep.

Investment Gross ROI
Annual		 Tax Rate Post-Tax ROI Real ROI
vs 6% inflation		 ₹1L in 10 yrs
Post-Tax Value		 Verdict
Savings Account 3.50% 30% (Taxable) 2.45% -3.35% ₹127,385 Loses to inflation
FD (SBI, 30% slab) 7.10% 30% (Taxable) 4.97% -0.97% ₹162,425 Loses to inflation
PPF (EEE) 7.10% 0% (Tax-free) 7.10% +1.04% ₹198,561 Barely beats
EPF (EEE) 8.25% 0% (Tax-free) 8.25% +2.12% ₹220,942 Beats inflation
NSC 7.70% 30% (Taxable) 5.39% -0.58% ₹169,042 Loses to inflation
SSY (EEE) 8.20% 0% (Tax-free) 8.20% +2.08% ₹219,924 Beats inflation
Equity MF (LTCG) 12.00% 12.5% (LTCG 12.5%) 10.50% +4.25% ₹271,408 Beats inflation
NPS Equity 10.50% 20% (Partial) 8.40% +2.26% ₹224,023 Beats inflation
Gold (LTCG) 9.00% 12.5% (LTCG 12.5%) 7.88% +1.77% ₹213,407 Barely beats
Real Estate 10.00% 20% (LTCG 20%) 8.00% +1.89% ₹215,892 Barely beats

Post-tax ROI = Gross ROI x (1 - Tax Rate). Real ROI = ((1 + Post-Tax ROI) / (1 + Inflation)) - 1 (Fisher equation). FD at 30% slab: post-tax 4.97% vs 6% inflation = -1.03% real ROI (you are losing purchasing power). PPF at 0% tax: 7.1% post-tax = +1.04% real ROI (positive but modest). Equity MF LTCG 12%: post-tax ~10.5% = +4.24% real ROI (best among mainstream options). EEE = Exempt-Exempt-Exempt (no tax at investment, accumulation, or withdrawal stage). PPF and SSY are the only guaranteed EEE instruments available to Indian retail investors.

🔰 Investment ROI Benchmarks India 2026

Expected annual ROI range for major investment categories in India. Plan your portfolio around these benchmarks.

Savings Account
3.5%
3.5–3.5% p.a.
Monthly interest credited. Post-tax negative real return at 30% slab.
Fixed Deposit (SBI)
7.1%
7.1–7.1% p.a.
Quarterly compounding. Taxable at slab rate. Best for 1-5 year goals.
PPF
7.1%
7.1–7.1% p.a.
Annual compounding. EEE tax-free. 15-year lock-in. Best safe return.
EPF
8.3%
8.3–8.3% p.a.
Monthly effective compounding. EEE tax-free. Employer adds 12% too.
NSC
7.7%
7.7–7.7% p.a.
5-year post office scheme. Annual compounding. 80C benefit.
Mutual Fund (Equity)
12.0%
12.0–15.0% p.a.
Historical 10-15yr CAGR. Market linked. Best for 7+ year goals.
Real Estate
8.0%
8.0–12.0% p.a.
Rental yield 2-4% + capital appreciation 5-8%. Illiquid asset.
Gold
8.0%
8.0–10.0% p.a.
Long-term CAGR ~8-10% in INR. No regular income. Hedge against inflation.
Startup / Business
15.0%
15.0–40.0% p.a.
Wide range. High risk. IRR varies hugely. Illiquid.
NPS (Equity)
10.5%
10.5–12.0% p.a.
Long-term equity NPS. 80CCD benefit. Partial withdrawal allowed.

💡 4 Smart ROI Strategies for Indian Investors

Most investors focus on gross ROI. These four insights help you maximise the ROI you actually keep — post-tax and inflation-adjusted.

📈
ROI vs CAGR vs Absolute Return — Know Which You Are Measuring
These three terms are often confused, and using the wrong one leads to bad investment decisions. Absolute ROI: Total gain as % of investment, regardless of time. Rs 1L grows to Rs 2L = 100% absolute ROI. Whether it took 2 years or 20 years doesn't affect this number. Useless for comparison between investments of different durations. CAGR (Compounded Annual Growth Rate): Annual equivalent return accounting for compounding. Rs 1L to Rs 2L in 6 years: CAGR = (2)^(1/6) - 1 = 12.25% p.a. Same growth in 10 years: CAGR = (2)^(1/10) - 1 = 7.18% p.a. CAGR is the only correct way to compare investments of different time horizons. Monthly ROI: Monthly equivalent of annual CAGR. At 12% CAGR: Monthly ROI = (1.12)^(1/12) - 1 = 0.949% per month. Useful for: rental property (monthly rent / property value), dividend stocks (monthly dividend / stock price), business ROI (monthly profit / capital deployed). Rule: Always use CAGR when comparing investments across different time periods. Always annualise monthly ROI for comparison with annual return benchmarks.
🔰
Post-Tax Real ROI — The Only Number That Actually Matters
Gross ROI is a headline number. Post-tax real ROI is what you actually earn. Three deductions from gross ROI to get real ROI: Step 1 — Tax deduction: FD at 7.1% at 30% slab: Post-tax = 7.1% x 0.7 = 4.97%. Equity MF at 12% with LTCG 12.5%: Post-tax ≈ 10.5% (simplified). PPF at 7.1% EEE: Post-tax = 7.1% (no deduction). Step 2 — Inflation deduction: Real return = ((1 + Post-tax ROI) / (1 + Inflation)) - 1. At 6% inflation: FD real = (1.0497/1.06) - 1 = -0.97% (NEGATIVE). Equity MF real = (1.105/1.06) - 1 = +4.25% (positive). PPF real = (1.071/1.06) - 1 = +1.04% (positive but modest). Step 3 — Check vs risk taken: FD: -0.97% real return with capital guarantee and low risk. Equity MF: +4.25% real return with market volatility. The risk premium for accepting equity risk: 4.25% - (-0.97%) = 5.22% additional real return per year. Over 20 years: This 5.22% real return difference turns Rs 1L into Rs 2.79L (FD) vs Rs 7.73L (equity). Always calculate and compare post-tax real ROI before making investment decisions.
⏳
Monthly ROI for Rental Property — True Yield Calculation
Monthly ROI for rental property in India is calculated as: Monthly Rental ROI = Monthly Net Rent / Property Value x 100. Annual Rental Yield = Monthly ROI x 12. Total ROI = Rental Yield + Capital Appreciation. Example: 2 BHK Mumbai worth Rs 65 lakh. Monthly rent Rs 32,000. Annual gross rent Rs 3,84,000. Less: vacancy 10% = Rs 38,400. Less: maintenance Rs 36,000. Net Annual Rent = Rs 3,09,600. Rental Yield = 3,09,600 / 65,00,000 x 100 = 4.76% p.a. Monthly ROI = 4.76/12 = 0.397% per month. Capital appreciation (assume 7% p.a.): Total ROI = 4.76% + 7% = 11.76% p.a. BUT: Home loan interest rate = 8.75%. If leveraged (80% LTV), the returns change significantly: Only Rs 13L own capital deployed. Monthly EMI reduces net rental income. True ROI on own capital (leveraged) = very different from unleveraged. Always calculate unlevered and levered ROI separately for property investments. Post-tax rental income is taxed at slab rate under House Property income head. Property taxes paid are deductible. Standard deduction of 30% of net rent is available automatically.
🎯
ROI Trap — Why High Gross ROI Can Mean Lower Net Wealth
Three ROI traps that destroy actual wealth despite impressive headline numbers: Trap 1 — Tax-inefficient high ROI: Business earning 25% ROI but paying 35% tax: Net ROI = 16.25%. PPF earning 7.1% EEE: Net ROI = 7.1%. Difference = 9.15%. But if business can grow (ROI on reinvested profits also 25%), the compounding advantage eventually wins. For pure debt investments (FDs), always compare post-tax ROI. Trap 2 — High nominal ROI in depreciating currency: Investment in a country with 20% inflation giving 25% ROI: Real ROI = only 4.17%. Indian investments at 12% ROI with 6% inflation: Real ROI = 5.66%. Higher gross ROI in an inflation environment can be misleading. Trap 3 — ROI ignoring liquidity cost: FD at 7% with 1% early withdrawal penalty: If you need to exit early, effective ROI = 6%. Real estate at 10% ROI but 3-6% transaction cost (stamp duty, registration, brokerage) on entry and exit: True ROI = 10% - 1.5% (amortised entry cost) - 1.5% (exit cost) = 7%. Mutual funds with 1% exit load on short-term redemption. Always factor in transaction costs, taxes, and liquidity premium when comparing ROI across asset classes.

❓ ROI Calculator India — Frequently Asked Questions

Most searched ROI and return on investment questions India 2026.

Monthly ROI Calculation:

Method 1 — From monthly income:
Monthly ROI % = (Monthly Income / Total Investment) × 100
Example: FD of Rs 1 lakh. Monthly interest = Rs 583 (7% p.a. / 12).
Monthly ROI = 583/1,00,000 × 100 = 0.583% per month

Method 2 — Convert annual ROI to monthly:
Monthly ROI = (1 + Annual ROI/100)^(1/12) - 1
At 12% annual: Monthly ROI = (1.12)^(1/12) - 1 = 0.949% per month

Method 3 — From final value:
Total ROI = (Final Value - Investment) / Investment × 100
Monthly ROI = (1 + Total ROI/100)^(1/Months) - 1
Example: Rs 1L invested, becomes Rs 2L in 72 months.
Monthly ROI = (2)^(1/72) - 1 = 0.965%/month = 12.24% p.a.
ROI Formula India:
ROI % = (Net Return / Cost of Investment) × 100
Net Return = Final Value + Income Received - Initial Investment - Costs - Taxes

Example — Equity Mutual Fund:
Invested: Rs 5 lakh | Current Value: Rs 8 lakh | Period: 4 years
Gain = Rs 3 lakh
LTCG Tax: 12.5% on Rs 1.75L (above Rs 1.25L exemption) = Rs 21,875
Net Gain = Rs 3L - Rs 21,875 = Rs 2,78,125
ROI = 2,78,125/5,00,000 × 100 = 55.6% (absolute)
CAGR (pre-tax) = (8/5)^(1/4) - 1 = 12.47% p.a.
CAGR (post-tax) = (7,78,125/5,00,000)^(1/4) - 1 = 11.7% p.a.

Example — Rental Property:
Property: Rs 50L | Annual Net Rent: Rs 1.5L | Capital Gain in 5yr: Rs 20L
Total Return = Rs 1.5L × 5 + Rs 20L = Rs 27.5L
Total ROI = 27.5/50 × 100 = 55% over 5 years = 9.25% CAGR
ROI benchmarks India 2026:

Poor (negative real return at 30% slab):
Savings Account: 3.5% | Post-tax: 2.45% | Real: -3.34%
FD (SBI): 7.1% | Post-tax 30%: 4.97% | Real: -0.97%

Good (positive real return):
PPF: 7.1% EEE | Post-tax: 7.1% | Real: +1.04%
EPF: 8.25% EEE | Post-tax: 8.25% | Real: +2.12%
SSY: 8.2% EEE | Post-tax: 8.2% | Real: +2.08%

Excellent (strong real return):
Equity MF: 12%+ | Post-tax ~10.5% | Real: +4.25%
NPS Equity: 10.5% | Post-tax ~8.4% | Real: +2.26%

Target ROI for India: inflation (6%) + real return (3-4%) = 9-10% minimum.
Equity MF historically delivers 12-15% CAGR over 10+ years — best mainstream option.
ROI vs CAGR vs IRR:

ROI (Return on Investment):
= (Final Value - Investment) / Investment × 100
Simple ratio. No time dimension. 100% ROI could be 1 year or 10 years.
Use for: quick comparison, single period returns.

CAGR (Compounded Annual Growth Rate):
= (Final Value / Initial Value)^(1/Years) - 1
Accounts for time AND compounding. Best for comparing different durations.
Use for: mutual fund returns, stock performance, business growth.
Limitation: Assumes smooth growth. Ignores intermediate cash flows.

IRR (Internal Rate of Return):
Discount rate that makes NPV of all cash flows = zero.
Accounts for timing and size of ALL cash flows (inflows and outflows).
Use for: SIP investments, real estate with rental income, project finance.
Most accurate for investments with multiple irregular cash flows.

For regular SIP in mutual funds: CAGR of NAV understates your return because you invest at different prices. IRR (XIRR in Excel) gives true return on your actual SIP investments.
6 ways to improve investment ROI India:

1. Maximise tax-free returns first: PPF (Rs 1.5L/year), EPF (maximise voluntary PF), SSY (Rs 1.5L/year for girl child). These give 7-8.25% tax-free — equivalent to 10-12% taxable at 30% slab.

2. Hold equity for LTCG treatment: Selling equity MF within 12 months: STCG 20%. After 12 months: LTCG 12.5% (above Rs 1.25L exempt). Holding longer saves tax and increases post-tax ROI.

3. Tax-loss harvesting: If some equity positions are at a loss, sell them to realise loss. Use loss to offset gains and reduce LTCG tax. Reinvest immediately in similar funds. Saves tax = improves effective ROI.

4. Annual Rs 1.25L LTCG exemption: Book equity gains up to Rs 1.25L every year (tax-free under LTCG exemption). Reinvest. This "step-up" process effectively reduces your capital gains tax over time.

5. Reduce fund expense ratios: Active fund at 1.5% expense ratio vs index fund at 0.1%: Saves 1.4% annually. At 12% gross return: active fund gives 10.5%, index fund gives 11.9%. Over 20 years on Rs 10L: Rs 24.9L vs Rs 34.7L — Rs 9.8L more from lower costs.

6. Asset location optimisation: Put tax-inefficient assets (FDs, bonds) in tax-advantaged wrappers (EPF, NPS). Put tax-efficient assets (equity, tax-free bonds) in taxable accounts. Reduces tax drag across portfolio.

📈 Maximise Your Post-Tax Real ROI — Get a Personalised Investment Plan

ROI is only half the story. The other half is tax efficiency, inflation protection, and the right asset allocation for your income, goals, and risk tolerance. Vikash Royal will build you a portfolio designed for maximum post-tax real return — combining PPF (EEE), equity MF (LTCG efficiency), NPS (80CCD), and tactical FD/debt — calibrated to your tax slab, time horizon, and financial goals. SEBI-Registered. ARN: ARN-356458

💬 Get My ROI-Optimised Investment Plan on WhatsApp