Ek sach bataun? Pehli baar jab maine khud kisi fund ka page khola tha, meri nazar bhi sabse pehle usi bade number par gayi thi — "pichle 4 saal me 80% return!" Mann me turant hisaab chala — 80% matlab to paisa lagbhag dugna hone wala hai, aur har saal itna badhega to 10 saal me to kamaal ho jayega. Phir jab baith kar asal me gina, to pata chala ki wo 80% chaar saal ki kul badhat thi. Har saal ki asal raftar usse kahin kam thi.
Ye galti sirf meri nahi hai — lagbhag har naya investor yehi khata hai, kyunki bada number dikhana app aur fund ke liye faydemand hai, tumhare liye nahi. Is article me hum wahi number samjhenge jo is bhram ko todta hai — CAGR. Kya hota hai, formula kaise kaam karta hai, fund wale "absolute return" se ye kaise alag hai, SIP walo ke liye XIRR kyun zaroori hai — sab kuchh table ke saath. Aur haan, beech-beech me tum khud CAGR calculator par apne number daal kar check bhi kar sakte ho.
📺 Video me samjho
Padhne ka mann nahi hai? Ye poora hisaab video me table ke saath samjhaya hai — pehle dekh lo, phir neeche ke number aur zyada saaf lagenge.
CAGR hota kya hai — ek FD wali misaal se samjho
CAGR ka pura naam hai Compound Annual Growth Rate. Naam bhaari hai, matlab bilkul seedha hai — tumhara paisa shuru se aakhir tak, har saal average kitne percent ki raftar se badha. Bas. Itna hi hai.
Ek aur tarike se samjho. FD me paisa har saal ek fix dar se badhta hai — maan lo 7%. Ab apne kisi bhi investment ke baare me socho — agar us par bhi koi ek fix dar lagi hoti, jo tumhe bilkul wahi aakhri rakam tak pahuncha deti jo asal me mili, to wohi kalpanik fix dar tumhara CAGR hai. Beech me bazaar kitna bhi uchhla-kooda ho, CAGR us poori ubaad-khaabad yatra ko ek seedhi, samajhne laayak dar me badal deta hai. (Agar tumne hamari pehle wali CAGR aur returns wali guide padhi hai, to ye article usi ka bada, hisaab-kitaab wala roop samjho.)
CAGR isiliye kaam ka hai kyunki ye do aisi cheezon ki tulna barabar ki kar deta hai jinka samay aur rakam dono alag hain. Ek fund ne 4 saal me 80% diya, dusre ne 7 saal me 100% — bada kaun? Bina CAGR ke ye sawal hi galat hai. CAGR se pata chalta hai dusre wala asal me har saal dheere badha tha.
Aakhri Rakam — aaj uski keemat kitni hai
Saal — beech me kitne saal beete
Ab ek zinda hisaab — ₹1 lakh ka 5 saal ka safar
Formula ratne se kuch nahi hoga, hisaab dekhne se hoga. Maan lo tumne ₹1,00,000 lagaye aur 5 saal baad woh ₹1,61,051 ho gaye. Calculator bolta hai — CAGR = (1,61,051 ÷ 1,00,000)1/5 − 1 = 10%. Matlab har saal 10%.
Yakeen na ho to ulta gin kar dekho — ₹1 lakh ko har saal thik 10% badhate jao:
| Saal | Saal ke aakhir me rakam (10% badhat par) |
|---|---|
| Shuruaat | ₹1,00,000 |
| 1 saal | ₹1,10,000 |
| 2 saal | ₹1,21,000 |
| 3 saal | ₹1,33,100 |
| 4 saal | ₹1,46,410 |
| 5 saal | ₹1,61,051 |
Dekha? Thik wahi number jahan hum pahunche the. Yehi CAGR ka kamaal hai — wo woh ek dar dhoondh deta hai jo poore safar ko sachchai se bayan karti hai. Tumhe ye haath se ginne ki zaroorat nahi hai; CAGR calculator par bas shuru ki rakam, aakhri rakam aur saal dalo — jawab ek second me saamne.
Paisa double ho gaya — to CAGR kitna hua?
"Mera paisa double ho gaya!" — ye line har koi garv se bolta hai. Lekin double kitne samay me hua, yehi asal sawal hai:
| ₹1 lakh → ₹2 lakh hone me samay | CAGR |
|---|---|
| 6 saal | 12.25% |
| 7 saal | 10.41% |
| 10 saal | 7.18% |
Teeno me paisa double hai — lekin pehla wala tez dhaavak hai, teesra wala lagbhag FD ki raftar wala. Yehi fark CAGR dikhata hai aur "double" wala shabd chhupa deta hai.
Ek purana angutha-niyam bhi jeb me rakh lo — Rule of 72. 72 ko CAGR se bhaag do, paisa double hone me lagne wale saalon ka andaza mil jata hai. 10% par: 72 ÷ 10 = lagbhag 7.2 saal. Ulta bhi chalta hai — 6 saal me double chahiye to 72 ÷ 6 = 12% ke aas-paas ki dar chahiye hogi. Ye andaza hai, pakka hisaab nahi — pakke ke liye calculator hai hi.
CAGR vs Absolute Return — app wala bada number
Ab article ke sabse kaam ke hisse par aate hain. Article ki shuruaat wala example phir se lo — ₹10,000, chaar saal me ₹18,000:
| Hisaab ka tarika | Number | Sachchai |
|---|---|---|
| Absolute return | 80% | Kul badhat — samay gayab hai |
| CAGR | 15.83% / saal | Har saal ki asal average raftar |
Dono number "galat" nahi hain — lekin ek tumhe zyada khush karne ke liye bada dikhaya jata hai. Ek aur example lo: ₹1 lakh, 5 saal me ₹1.6 lakh — absolute return 60%, lekin CAGR sirf 9.86%. Ab socho, agar koi fund "60% return" keh kar beche aur tum use har saal ka return samajh baitho, to aage ki planning kitni galat hogi? Isiliye mera seedha sa niyam hai — tulna hamesha CAGR se karo, bade number se kabhi nahi.
Average return ka jhooth — ye wala sabse khatarnak hai
Ek aur number hai jo CAGR se milta-julta lagta hai, lekin hai bilkul alag — average (ausat) return. Misaal lo: pehle saal tumhara investment +50% badha, dusre saal −20% gir gaya. Average nikaalo to (50 − 20) ÷ 2 = 15% — wah, badhiya lagta hai!
Lekin asal me gino: ₹1,00,000 → 50% badh kar ₹1,50,000 → 20% gir kar ₹1,20,000. Kul badhat sirf 20%, doh saal me. Iska CAGR aata hai 9.54% — 15% nahi. Agar 15% wala average sach hota, to tumhare paas ₹1,32,250 hone chahiye the. Hain kitne? ₹1,20,000. Fark saaf hai — average return compounding ko bhool jata hai, CAGR use gin-gin kar chalta hai. Jo number tumhe asal rakam tak na pahuncha sake, wo number tumhare kaam ka nahi.
CAGR vs XIRR — SIP walo, ye hissa tumhare liye hai
CAGR ki ek shar hai — ye ek saath lage hue paise ke liye bana hai. Ek din ₹1 lakh laga diya, phir saalon baad keemat dekhi — perfect. Lekin SIP me paisa har mahine lagta hai. Pehli kist pure period tak badhti hai, aakhri kist sirf ek mahina. Har kist ka samay alag, to ek hi dar sab par kaise lagegi?
Isiliye SIP ke liye XIRR istemal hota hai — ye har kist ki tareekh aur uske badhne ka samay gin kar asal saalana dar nikaalta hai. Example: ₹10,000 mahina × 3 saal = ₹3,60,000 lage, keemat bani ₹4,60,000 — iska XIRR lagbhag 16.57% aata hai. (Lumpsum aur SIP ke beech ka poora hisaab hamari ₹5 lakh lumpsum vs SIP wali guide me bhi hai.)
Yaad rakhne wali line bas ek hai — ekmusht paise ke liye CAGR, kiston wale paise ke liye XIRR. Galat tarazu se taologe to faisla bhi galat hoga: kabhi ek achhe fund ko bekar samjhoge, kabhi ek bekar ko achha.
CAGR ki 3 sachchaiyan jo koi nahi batata
Do fundon ka 5 saal ka CAGR barabar ho sakta hai — jabki ek seedha badha ho aur dusra beech me 40% gir kar sambhla ho. CAGR sirf shuru aur aakhir dekhta hai, beech ka raasta nahi. Isiliye sirf CAGR dekh kar fund mat chuno; beech ke saalon ka haal bhi dekho.
Kisi fund ka pichle 10 saal ka 12% CAGR ye bilkul nahi kehta ki agle 10 saal bhi 12% milega. Bazaar badalta hai, fund manager badalta hai, halaat badalte hain. Planning ke liye umeed hamesha pichle CAGR se thodi kam rakho — ye meri apni aadat hai, aur isne mujhe kabhi niraash nahi kiya.
6 mahine me 20% badhat ko saalana dar me badal kar dikhaya jaye to number vishaal lagega — lekin 6 mahine ki raftar saal bhar tikegi, iski koi guarantee nahi. Chhoti अवधि ke CAGR ko utna hi bhaav do jitna mausam ki ek din ki report ko — jankari ke liye theek, faisle ke liye nahi.
₹1 lakh ka lamba safar — 2% ke fark ki keemat
Aakhir me wo table jo lambi अवधि me CAGR ki taqat dikhati hai. Maan lo ₹1,00,000 kisi sthir dar se badhta rahe (asal bazaar aise seedha nahi badhta — ye sirf hisaab samjhane ke liye hai):
| CAGR | 5 saal me | 10 saal me |
|---|---|---|
| 8% | ₹1,46,933 | ₹2,15,892 |
| 10% | ₹1,61,051 | ₹2,59,374 |
| 12% | ₹1,76,234 | ₹3,10,585 |
| 15% | ₹2,01,136 | ₹4,04,556 |
Dhyan do — 10% aur 12% me sirf 2% ka fark hai. Lekin 10 saal me wahi fark ₹51,211 ka ban jata hai. Yehi wajah hai ki fund chunne me kharche (expense ratio) aur galat faisle itne mehnge padte hain — chhota sa fark, lambe samay me bada paisa. Aur FD se tulna karni ho to hamari SIP vs FD wali guide me wahi hisaab dusre nazariye se hai.
Apne investment ka CAGR khud nikaalo
Shuru ki rakam, aaj ki rakam aur saal dalo — asal saalana growth rate turant saamne. Fund, stock, FD — sab ko ek hi tarazu se taul kar dekho:
CAGR Calculator kholoMeri apni soch — CAGR ko istemal kaise karun
Teen aadat jo main har kisi ko kehta hoon. Pehli — jab bhi koi "X% return" wala bada number dikhe, pehla sawal ye poochho: kitne samay me? Samay ke bina return aadha sach hai. Dusri — do cheezon ki tulna karni ho to dono ka CAGR ek hi period ke liye nikalo; 3 saal wale CAGR ko 10 saal wale se tulna karna seb ko sante se taolna hai. Teesri — aur sabse zaroori — CAGR ko report card samjho, bhavishyavani nahi. Usse seekho ki peeche kya hua tha; aage ka faisla apni aamdani, samay aur jokhim ki taqat dekh kar lo.
Aakhri baat
CAGR koi mushkil cheez nahi hai — ye bas tumhare paise ki "har saal ki asal average raftar" hai. Ek baar ye nazar ban jaye, to app ke bade-bade number tumhe ghuma nahi payenge. Apne kisi ek purane investment ko uthao — FD, fund, jo bhi ho — aur CAGR calculator par uska asal number nikaal kar dekho. Ho sakta hai jo cheez "dugni" lag rahi thi, wo asal me mehngai ke barabar hi badhi ho. Aur ho sakta hai koi shaant si cheez chup-chaap badhiya badhi ho. Sach jo bhi ho, number ke saath hoga — aur hisaab hamesha andaze se behtar hota hai.
Aksar puche jaane wale sawal
CAGR kya hota hai?
CAGR ka matlab hai Compound Annual Growth Rate — tumhara paisa shuru se aakhir tak har saal average kitne percent ki raftar se badha, wahi ek number. Jaise ₹1,00,000 agar 5 saal me ₹1,61,051 ho jaye, to CAGR 10% hai — chahe beech ke saalon me badhat upar-neeche rahi ho.
CAGR ka formula kya hai?
CAGR = (Aakhri Rakam ÷ Shuru ki Rakam) ki power (1 ÷ saal) − 1. Example: ₹1 lakh 7 saal me ₹2 lakh ho jaye to CAGR = (2) ki power (1/7) − 1 = 10.41% saalana. Haath se ginne ki zaroorat nahi — emihisab.in ke CAGR calculator par teen number dalte hi jawab mil jata hai.
Fund app me 80% return dikha raha hai — kya ye CAGR hai?
Aam taur par nahi. App jo bada number dikhata hai wo aksar absolute return hota hai, jisme samay ginna hi nahi jata. ₹10,000 ka 4 saal me ₹18,000 hona absolute me 80% hai, lekin uska CAGR sirf 15.83% saalana hai. Dono number sahi hain — bas absolute wala zyada bada dikhta hai, isiliye wahi dikhaya jata hai.
Kya SIP ke liye CAGR use kar sakte hain?
Nahi, SIP ke liye XIRR sahi tarika hai. CAGR ek saath lage hue paise (lumpsum) ke liye hai. SIP me har kist alag samay tak badhti hai — pehli kist pure period tak, aakhri kist sirf ek mahina — isiliye har kist ki tareekh ginne wala XIRR hi asal return deta hai. Example: ₹10,000 mahina × 3 saal = ₹3,60,000 lage, value ₹4,60,000 bani, XIRR lagbhag 16.57% aata hai.
Average return aur CAGR me kya fark hai?
Average return saalana returns ko jod kar saalon se baant deta hai — compounding ko bhool jata hai. Example: pehle saal +50%, dusre saal −20% — average 15% dikhega, lekin ₹1,00,000 asal me sirf ₹1,20,000 bane, jiska CAGR 9.54% hai. Isiliye tulna hamesha CAGR se karo, average se nahi.
Achha CAGR kitna mana jata hai?
Iska koi fix number nahi hota. Aam samajh ye hai ki tumhari growth kam se kam mehngai (inflation) se upar ho, warna rakam badhne ke baad bhi kharidne ki taqat ghat ti hai. FD jaisi cheezon me CAGR aam taur par 7% ke aas-paas rehta hai; equity me lambe samay me isse zyada ki umeed ki jati hai, lekin wahan koi guarantee nahi hoti. Kisi ke pichle CAGR ko aage ka waada kabhi mat samjho.