XIRR vs CAGR: The Hidden Truth About SIP Returns
Fund factsheets show CAGR for lump-sum investments. SIP investors need XIRR to measure real timing-adjusted wealth creation.
SIP REALITY CHECK ENGINE⚡ Client-Side 0ms XIRR Engine
How good was your SIP?
Compare Live Fund CAGR vs. Real Investor XIRR
Monthly SIP Amount (₹)
Time Horizon
Benchmark Category
Category Anchors:
Selected Scheme: UTI Nifty 50 Index Fund
Total Invested
₹6.00L
Portfolio Value
₹8.10L
Fund CAGR
13.29%
Your Real XIRR
12.81%
⚡ Reality Check Insight:Your SIP XIRR lagged the reported fund CAGR by 0.48% over this 5-year period. This timing drag happens because monthly SIP cash flows compound for shorter durations than an initial lump sum.