India SIP Tracker

  The "App vs. Reality" Mystery Have you ever looked at a Mutual Fund’s "1-year return" and seen a glowing 15% , only to open your investment app and see your personal return sitting at 11% ? You aren’t being cheated. You’re just looking at two different languages: CAGR and XIRR . 1. What is XIRR? (The "Date-Wise" Return) XIRR stands for Extended Internal Rate of Return . In 2026, most Indian investment apps (Groww, Coin, Kuvera) use XIRR because it is the most honest way to measure a Systematic Investment Plan (SIP). Unlike a simple average, XIRR calculates the return of every single rupee based on exactly how long it stayed in the market. Your SIP from January 2025 has had 14 months to grow. Your SIP from February 2026 has only had 1 month. XIRR blends these different timelines into one single annual percentage. 2. Why the "Expected" Return is Different When a website says a fund gave 15% CAGR , they are assuming you put in a Lump Sum (one...

 A mutual fund fact sheet is like a "medical report" for your money. It’s a 2-3 page PDF document that every Asset Management Company (AMC) publishes monthly to show exactly where they are investing your cash and how the fund is performing. In 2026, reading these has become even more important because of the SEBI Reset . Here is your updated guide to decoding these documents without getting a headache. The 2026 Mutual Fund Fact Sheet Checklist 1. The "Basics" Section Before you look at returns, look at the Fund Category and Benchmark . The 2026 Rule: SEBI now mandates that the name of the fund must strictly match its category. If it says "Large Cap," it must have at least 80% in the top 100 stocks . AUM (Assets Under Management): This is the total money in the fund. In 2026, look for "Scale with Stability." A very small AUM (under ₹500 Cr) might be risky, while a massive one (over ₹50,000 Cr) might struggle to beat the market in the Mid-Cap ca...

hoosing between a Direct and Regular plan is the most impactful decision you can make for your mutual fund portfolio. While both plans invest in the  exact same stocks and bonds , the way you pay for them is fundamentally different—and in 2026, the stakes have never been higher. As of  April 1, 2026 , SEBI has introduced the  Base Expense Ratio (BER) , a new rule that forces mutual funds to show you exactly what you are paying for. 1. The Core Difference: Who is getting paid? Regular Plan:  You buy through a middleman (distributor, broker, or bank). The fund house pays them a "commission" for bringing you in. This commission is taken out of  your  investment every single day. Direct Plan:  You buy directly from the fund house (AMC). There is no middleman and  no commission . Because the costs are lower, more of your money stays invested to grow. 2. The 2026 SEBI "BER" Update Before 2026, all costs were bundled into one "Total Expense Ratio" (TER)....

  One of the most common questions new investors ask is: "Should I buy Fund A because its NAV is only ₹15, while Fund B is 'expensive' at ₹150?" The short answer: No. In the stock market, a lower price might mean a stock is undervalued. But in mutual funds, the Net Asset Value (NAV) is just a piece of math—it is not a price tag of "value." What exactly is NAV? Think of a mutual fund like a large pizza. The NAV is simply the price of one single slice. If the total "pizza" (the fund's assets like stocks and cash) is worth ₹1,000 and it’s cut into 100 slices, the NAV is ₹10. If the value of the ingredients (the stocks) goes up, the price of the slice goes up. The formula is simple: NAV = (Total assets - Total Liabilities)           ____________________________            Total number of Outstanding Units The "Low NAV" Myth: Why it doesn't matter Many investors believe that a low NAV gives them more units, which will lead to high...

  If you haven't checked your mutual fund portfolio in the last few days, you might be in for a surprise. On February 26, 2026 , SEBI issued a landmark circular that effectively "reset" the rules for the Indian mutual fund industry. The goal? To ensure that the fund you bought is actually doing what it says on the label. No more "Value" funds acting like "Growth" funds, and no more "Retirement" labels without a clear plan. Here is everything you need to know about the 2026 reset. 1. The Death of "Solution-Oriented" Schemes This is the biggest headline. SEBI has officially discontinued the "Solution-Oriented" category. What happened: Retirement Funds and Children’s Benefit Funds are no longer recognized as separate categories. The Impact: These schemes have stopped accepting new subscriptions immediately. They will soon be merged into other diversified funds with similar risk profiles. The Why: SEBI realized that many o...