XIRR: PPF vs Mutual Fund Real रिटर्न Compared
PPF at 7.1% is guaranteed and कर-free. On Rs 12,500/month for 15 वर्ष in PPF, परिपक्वता is approximately Rs 40.5 लाख - XIRR of 7.1%. The same SIP in equity mutual funds at 12% XIRR grows to Rs 50.5 लाख before कर, Rs 47-48 लाख after LTCG कर. Equity mutual fund post-कर XIRR beats PPF by about 5% over 15 वर्ष.
XIRR
17.11%
Annualized return using Newton-Raphson method
XIRR (Extended Internal Rate of Return) handles irregular cashflows. Use negative values for investments and positive for redemptions.
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