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XIRR vs CAGR: Calculate Your True Mutual Fund Returns

XIRR vs CAGR: Calculate Your True Mutual Fund Returns

Your mutual fund app can show three different return numbers for the same portfolio. None of them is wrong. They are just answering different questions. This article tells you which one to read, and when.

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Name: Finverse Platform Private Limited

CIN: U66120MH2025PTC459239

Registered Office: 6th Floor, Ascent, Sudam Kalu Ahire Marg, Worli, Worli Colony, Mumbai, Mumbai, Maharashtra, India, 400030

Telephone Number: +91-8071300860

Email ID: help@dreamstreet.tech

1.Prevent Unauthorized Transactions in your demat account --> Update your Mobile Number with your Depository Participant. Receive alerts on your Registered Mobile for all debit and other important transactions in your demat account directly from NSDL on the same day……. issued in the interest of investors.2.KYC is one time exercise while dealing in securities markets - once KYC is done through a SEBI registered intermediary (broker, DP, Mutual Fund etc.), you need not undergo the same process again when you approach another intermediary.3.No need to issue cheques by investors while subscribing to IPO. Just write the bank account number and sign in the application form to authorise your bank to make payment in case of allotment. No worries for refund as the money remains in investor's account.
About DreamStreet

DreamStreet is a modern stock broking platform built to make investing simple, transparent, and accessible. Users can explore and invest across a range of financial instruments including Stocks, ETFs, IPOs, Mutual Funds and Futures & Options.

DreamStreet provides tools, data, and insights to invest better but does not offer recommendations or guarantee returns. All investments are subject to market risks, and users should invest based on their own judgment and discretion

DreamStreet helps investors:

  • By offering a seamless and 100% digital account opening experience
  • By providing data-driven insights and easy-to-understand information
  • By being transparent about fees, charges, and risks

Attention Investors

  1. Beware of fixed/guaranteed/regular returns/capital protection schemes. Brokers or their authorized persons or any of their associates are not authorized to offer fixed/guaranteed/regular returns/capital protection on your investment or authorized to enter into any loan agreement with you to pay interest on the funds offered by you. Please note that in case of default of a member claim for funds or securities given to the broker under any arrangement/agreement of indicative return will not be accepted by the relevant Committee of the Exchange as per the approved norms.

  2. Do not keep funds idle with the Stock Broker. Please note that your stock broker has to return the credit balance lying with them, within three working days in case you have not done any transaction within last 30 calendar days. Please note that in case of default of a Member, claim for funds and securities, without any transaction on the exchange will not be accepted by the relevant Committee of the Exchange as per the approved norms.

  3. Check the frequency of accounts settlement opted for. If you have opted for running account, please ensure that your broker settles your account and, in any case, not later than once in 90 days (or 30 days if you have opted for 30 days settlement). In case of declaration of trading member as defaulter, the claims of clients against such defaulter member would be subject to norms for eligibility of claims for compensation from IPF to the clients of the defaulter member. These norms are available on Exchange website at: https://www.nseindia.com/invest/about-defaulter-section .

  4. Brokers are not permitted to accept transfer of securities as margin. Securities offered as margin/collateral MUST remain in the account of the client and can be pledged to the broker only by way of 'margin pledge', created in the Depository system. Clients are not permitted to place any securities with the broker or associate of the broker or authorized person of the broker for any reason. Broker can take securities belonging to clients only for settlement of securities sold by the client.

  5. Always keep your contact details updated with the stock broker. Email and mobile number is mandatory and you must provide the same to your broker for updation in Exchange records. You must immediately take up the matter with Stock Broker/Exchange if you are not receiving the messages from Exchange/Depositories regularly.

  6. Don't ignore any emails/SMSs received from the Exchange for trades done by you. Verify the same with the Contract notes/Statement of accounts received from your broker and report discrepancy, if any, to your broker in writing immediately and if the Stock Broker does not respond, please take this up with the Exchange/Depositories forthwith.

  7. Check messages sent by Exchanges on a weekly basis regarding funds and securities balances reported by the trading member, compare it with the weekly statement of account sent by broker and immediately raise a concern to the exchange if you notice a discrepancy.

  8. Please do not transfer funds, for the purposes of trading to anyone, including an authorized person or an associate of the broker, other than a SEBI registered Stock broker.

  9. Check your Securities/MF/Bonds in the consolidated account statement issued by NSDL/CDSL every month.

Disclaimer

Investments in the securities market are subject to market risks. Please read all related documents carefully before investing, including the Risk Disclosure Documents prescribed by the Stock Exchanges, before investing in Equity Shares, Derivatives, or other securities traded on the Stock Exchanges.

Finverse Platform Private Limited ("Company") does not guarantee or assure any returns or performance of any securities, products, or strategies. Past performance is not indicative of future results.

Company is a SEBI-registered stock broker and a SEBI-registered depository participant, providing execution-only broking and depository services. The Company is a member of NSE (Member ID: 90483) and BSE (Member ID: 6967), and a Depository Participant of NSDL, bearing SEBI Registration Nos.: INZ000330930 (Stock Broker) and IN-DP-830-2026 (Depository Participant), having its registered and correspondence office at 6th Floor, Ascent, Sudam Kalu Ahire Marg, Opposite GSK, Worli, Mumbai, Maharashtra 400030.

The Company does not provide investment advisory, research, portfolio management, or assured return services.

Any information, content, tools, or materials made available on this website and mobile application are for general informational purposes only and shall not be construed as investment advice, recommendation, solicitation, or opinion to buy, sell, or hold any securities.

Market data, charts, and other information displayed on the platform may be sourced from stock exchanges, depositories, or third-party service providers and may be delayed or inaccurate. The Company does not warrant the accuracy, completeness, or timeliness of such information.

Users are advised to exercise independent judgment and consult their financial, legal, or tax advisors before making any investment or depository-related decisions.

Procedure to file a complaint on SEBI SCORES: Register on the SCORES portal. Mandatory details for filing complaints on SCORES: Name, PAN, Address, Mobile Number, E-mail ID. Benefits: Effective Communication, Speedy redressal of the grievances.

For any grievances related to Stock Broking/DP, please write to: grievance@dreamstreet.tech

Stock Broker SEBI Registration Number: INZ000330930

DP SEBI Registration Number: IN-DP-830-2026 (NSDL)

NSE Member ID: 90483

BSE Member ID: 6967