Free Online Financial Calculators

CAGR Calculator

Calculate the Compound Annual Growth Rate of your investments.

Your Investment Details

Initial Investment Value (₹)

Final Investment Value (₹)

Investment Period (Years)

CAGR Kya Hai Aur Iska Calculation Kaise Hota Hai?

CAGR, jise hindi mein 'Chakravridhi Varshik Vriddhi Dar' (Compound Annual Growth Rate) kehte hain, kisi bhi investment ki growth ko samajhne ka sabse behtar tarika hai. Maan lijiye aapne 5 saal pehle kisi mutual fund mein ₹1,00,000 lagaye the, aur aaj uski value ₹2,00,000 ho gayi hai. Toh aapka total return 100% hua. Lekin kya aap bata sakte hain ki har saal aapke paise kitne percent badhe? Yahi jaanne ke liye CAGR ka use hota hai.

CAGR aapko batata hai ki aapki investment har saal average kitne percent ki dar se badhi hai. Yeh ek smoothed-out average hota hai, jisse comparison karna bahut aasan ho jata hai. Agar aapko apne mutual funds, stocks, ya business ki growth ko sahi se measure karna hai, toh CAGR se behtar kuch nahi.

CAGR Ka Formula Kya Hai?

CAGR calculate karne ka formula thoda alag aur interesting hai:

CAGR = [(Final Value / Initial Value)^(1/n) - 1] × 100

Yahan:
Final Value = Aaj ki current value (jab aap paisa nikaalte hain)
Initial Value = Jab aapne paisa lagaya tha
n = Kitne saal ke liye invest kiya (Number of years)

Is formula mein sabse important part hai exponent `^(1/n)`, jo actually compound interest ka ulta (reverse) hai. Yeh aapko total growth ko barabar saalo mein baant kar batata hai.

Examples Se Samjhein

Example 1: Maan lijiye aapne ₹1,00,000 invest kiye aur 5 saal baad woh ₹2,50,000 ho gaye.
Formula lagayenge: [(2,50,000 / 1,00,000)^(1/5) - 1] × 100 = 20.11%.
Iska matlab hai ki aapki investment har saal average 20.11% ki dar se badhi hai.

Example 2: Agar aapne ₹50,000 lagaye aur 10 saal baad woh ₹1,50,000 ho gaye.
Formula: [(1,50,000 / 50,000)^(1/10) - 1] × 100 = 11.61%.
Yahan total return 200% tha, lekin CAGR sirf 11.61% hai, kyunki 10 saal ka time lag gaya.

CAGR vs Absolute Return: Fark Kya Hai?

Log aksar in dono mein confuse ho jate hain. Absolute Return aapko total profit batata hai (jaise 5 saal mein 100% return). Lekin isme time ka factor nahi hota. CAGR time ko dhyan mein rakhta hai aur batata hai ki average annual return kya raha. Investment compare karne ke liye CAGR hamesha zyada accurate hota hai.

Kuch Aam Sawaal Jo Log Poochhte Hain

Q: CAGR ka use kahan-kahan hota hai?
A: Mutual funds, stocks, FD, real estate, aur yahan tak ki kisi company ki revenue growth nikalne ke liye bhi CAGR ka use hota hai.

Q: Kya CAGR mein risk ka pata chalta hai?
A: Nahi. CAGR sirf average growth batata hai. Yeh nahi batata ki investment ke beech mein kitna utar-chadhav (volatility) aaya. Isliye CAGR ke saath Standard Deviation bhi dekhna chahiye.

Q: Kya main 1 saal se kam samay ke liye CAGR nikal sakta hoon?
A: Haan, lekin aam taur par CAGR 1 saal se zyada ke investments ke liye zyada sahi result deta hai.

Yeh Calculator Kab Use Karein

Jab aap alag-alag mutual funds ya stocks ko compare karna chahein, ya apne portfolio ka performance check karna chahein, tab is calculator ka use karein. Yeh aapko jhoothe "absolute returns" ke jaal se bachata hai aur asli picture dikhata hai.

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