One SIP. Three return numbers. All correct.
A five year monthly SIP at 10000 a month. Total invested 600000. Today's value 800000. Three different ways to read the same statement.
The Setup
Monthly SIP 10000 . Months invested 60 . Total invested 600000 . Current value 800000
A . Headline
33%
ABSOLUTE
(800000 minus 600000) divided by 600000
What the app shows you. Total profit on total inflow. Tells you nothing about time.
B . Brochure
14%
LUMP CAGR
5Y NAV to NAV. Assumes one lump sum on day one.
What the fund advertises. You never had this experience. Your money entered piece by piece.
C . Honest
11.4%
XIRR
Solves for the rate that ties every cash flow to the final value.
The rate at which your wealth actually grew. The only number that respects when each rupee arrived.
The fund did 14 pct because a lump sum sat in it for five years. Your average rupee has only been in the market for about two and a half. XIRR knows that. The headline does not.
Illustrative SIP. Lump CAGR figure shown for pedagogy. Past performance . backtest only . not a guarantee.