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ROI Calculator
Return on Investment · Simple ROI · Annualised CAGR · Business ROI · Updated 2026
Calculate ROI for investments, projects, businesses — with benchmark comparison
InvestmentsReal EstateBusinessStocksStartups
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Enter investment details — type a value or drag the slider
₹
₹1K₹10Cr
₹
₹1K₹10Cr
ROI
50.00%
total return
Net profit / loss
₹5.00 L
profit earned
Value multiplier
1.50×
return on every ₹1 invested
🎯
50.00% ROI — your ₹₹10.0L grew to ₹₹15.0L!
Net profit: ₹5.00 L · Value multiplier: 1.50×
Investment at a glance
Portfolio value
Yr 1Yr 2Yr 3Yr 4Yr 5
Invested
₹10.0L
Returned
₹15.0L
ROI
50.00%
Multiplier
1.50×
How does your ROI compare to benchmarks?
Your ROI: 50.00%
Savings account
3.5%you beat this
Fixed deposit (1 yr)
7%you beat this
PPF (15 yr)
7.1%you beat this
Nifty 50 (10 yr avg)
12%you beat this
Real estate (10 yr)
9%you beat this
Gold (10 yr avg)
10%you beat this
Startup investment
25%you beat this
★ Your ROI
50.00%Formulas used
Simple ROI
ROI = (Final Value − Initial Investment) ÷ Initial Investment × 100
Annualised ROI (CAGR)
CAGR = (Final Value ÷ Initial Investment)^(1 ÷ Years) − 1
Business ROI
Net Profit = Revenue − COGS − OpEx
ROI = Net Profit ÷ Investment × 100
Example: ₹10L invested → ₹15L returned in 3 years
Simple ROI = (₹15L − ₹10L) ÷ ₹10L × 100 = 50%
CAGR = (15÷10)^(1÷3) − 1 = 14.47% per year
What is ROI? Complete Guide to Return on Investment
Return on Investment (ROI) is the most fundamental metric in finance — it measures how much profit or loss you made on an investment relative to what you put in, expressed as a percentage. Whether you're evaluating a stock, a fixed deposit, a real estate deal, a marketing campaign, or an entire business, ROI gives you a single number to compare options on a level playing field.
The challenge: simple ROI ignores time. A 50% return sounds great — but 50% over 30 years is terrible, while 50% in 1 year is exceptional. That's why Annualised ROI (CAGR) exists — it normalises returns to a per-year basis so you can meaningfully compare investments with different holding periods.
Simple ROI vs CAGR — when to use which
Use Simple ROI when…
Comparing total returns on a single investment
The time period is the same for all options
Quick back-of-envelope calculation
Evaluating a short-term trade or project
Communicating to non-finance stakeholders
Measuring marketing or business campaign returns
Use CAGR when…
Comparing investments held for different durations
Evaluating mutual funds, SIPs, stocks over years
Projecting future portfolio value
Comparing real estate vs equity over 10 years
Assessing whether a fund has beaten the index
Presenting to investors (VC, angel, PE)
What is a good ROI in India?
| Investment type | Typical ROI | Risk level | Liquidity |
|---|---|---|---|
| Savings account | 3–4% | Very low | Immediate |
| Fixed deposit (bank) | 6.5–7.5% | Very low | 30 days notice |
| PPF (Public Provident Fund) | 7.1% | Nil risk | 15 year lock-in |
| Nifty 50 index fund | 10–13% | Medium | T+1 day |
| Large-cap equity MF | 10–14% | Medium | T+3 day |
| Mid/small-cap equity | 12–18% | High | T+3 day |
| Real estate (tier 1) | 8–12% | Medium | 3–6 months |
| Gold | 8–11% | Low-medium | Immediate (digital) |
| Angel investment | 25–50%+ | Very high | 5–10 year exit |
| Crypto (BTC, long-term) | 20–40%+ | Very high | Immediate |
Want a consistent ROI via SIP?
Calculate your mutual fund SIP corpus with exact return benchmarks
Frequently asked questions about ROI
What is the difference between ROI and CAGR?▼
ROI (Return on Investment) is the total percentage return over the entire investment period — it doesn't account for time. CAGR (Compound Annual Growth Rate) is the smoothed annual rate that would produce the same final value if compounding occurred at a constant rate. For example, a 100% ROI over 10 years sounds great until you realise it's only ~7.2% CAGR — barely beating inflation. Always use CAGR when comparing investments with different holding periods.
Can ROI be negative?▼
Yes — a negative ROI means your investment lost value. If you invested ₹10 lakh and got back only ₹7 lakh, your ROI is −30%. This happens with stocks, crypto, real estate, and business investments that don't perform. A negative ROI doesn't automatically mean a bad decision — sometimes the alternative was even worse. The key question is whether the risk-adjusted ROI justified the investment at the time.
Is ROI the same as profit margin?▼
No — they measure different things. Profit margin (gross or net) compares profit to revenue: how much of each rupee earned do you keep? ROI compares profit to the capital invested: how much return did you generate on what you put in? A business can have a high profit margin but low ROI (if it requires a massive capital base), or a low margin but excellent ROI (if it runs on minimal capital — like a software business).
How do I calculate ROI on real estate in India?▼
Real estate ROI has multiple components: rental yield (annual rent / property value), capital appreciation (price growth over time), and tax benefits (80C on principal, 24b on interest). Total ROI = (Annual rent + Capital gain) / Purchase price × 100. For a ₹50 lakh property that earns ₹2L rent/year and appreciates to ₹70L in 5 years: Rental yield = 4%/year, Capital gain = 40%, Simple ROI = 80%, CAGR ≈ 6.96% — plus the rental yield.
Why is my mutual fund's stated return different from my personal ROI?▼
Mutual funds publish CAGR based on a lumpsum investment at the fund's NAV on a given date. Your personal ROI (XIRR — Extended Internal Rate of Return) may differ if you invested via SIP (periodic investments at different NAVs) or redeemed partially. XIRR is the correct measure for SIP investors because it accounts for cash flows at different times. Always calculate XIRR for your actual investment — not the fund's published CAGR.
What is a 'good' ROI for a startup or business investment?▼
In venture/startup investing, the rule of thumb is a 10× return (1000% ROI) over 7–10 years to justify the risk — because most startups fail. For established businesses, an ROI above 15–20% per year is considered strong. For a small business or SME, ROI above the cost of capital (typically 12–18% in India) means the business is creating value. If your ROI is below the interest rate you could earn in an FD, you're destroying value relative to risk-free alternatives.
How is ROI different from IRR?▼
ROI is a simple ratio: total gain / total invested, ignoring when cash flows occur. IRR (Internal Rate of Return) is the discount rate at which the net present value of all cash flows (in and out) equals zero — it fully accounts for the timing of cash flows. For investments with a single upfront cost and single exit, ROI and IRR are closely related. For investments with multiple cash flows over time (like SIPs, real estate with rental income, or PE investments with staged deployments), IRR/XIRR is the correct measure.