What Is XIRR?

The yearly return on investments made at different dates, such as a SIP.

Investing

XIRR takes every amount you put in and took out, with its date, and finds the single yearly rate that explains the final value. Fund statements and apps show it for SIPs.

It is the right number to compare a SIP's performance with an FD rate or another fund.

Compare demat accounts

Investing

Guides in Plain Words

Short reads that explain how it works before you decide.

All Investing guides

Money Guides4 Oct 2026 · 5 min readSIP vs Lumpsum: How Each One Works, With NumbersA SIP invests a fixed amount every month; a lumpsum invests it all at once. Here is how each works, what rupee cost averaging really does, and why the comparison people usually make is not a fair one.Read the guide →

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