Growth · fund value
₹21,58,925Before redemption taxesDIVIDEND & INCOME WITH MORE CLARITY
Growth vs IDCW simulator
Compare Growth, IDCW cash payout and IDCW reinvestment using the same assumed fund return, with distribution-tax drag and annual ledgers.
IDCW payout · fund + cash
₹18,64,440After assumed distribution tax; cash earns no interestIDCW reinvestment · fund value
₹20,04,231Net distribution reinvested after assumed taxNet cash received · payout option
₹3,84,195Already included in fund + cash aboveFOLLOW THE NUMBERS
See what changes
All three options use the same total-return assumption. Distributions are deducted from the fund value, never added as an extra return. Cash payouts are held without interest.
Read this with your result
All terminal fund values are BEFORE redemption tax and exit loads. Distribution taxes alone are modelled, using your effective rate. This is not an after-tax recommendation between options.
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Illustrative results only. Rates shown are user-selected assumptions, not product quotes or forecasts. Actual outcomes depend on markets, cash flows, costs and your circumstances.
BEHIND THE NUMBERS
How this calculation works
For each period, the fund grows at (1 + annual return)^(1 / periods per year) − 1. The assumed distribution is a fraction of the period’s opening fund value, capped at available assets.
Growth retains the whole return. IDCW payout removes the gross distribution and holds the after-tax proceeds as zero-interest cash. IDCW reinvestment adds back the after-tax distribution, so the effective reduction is the assumed tax.
The chart compares fund plus accumulated cash for the payout option with fund value for the other options. All remaining fund balances are before redemption taxes and exit loads; acquisition lots, exemptions, actual tax law and TDS are not simulated.
A FEW USEFUL ANSWERS
Before you make a plan
The payout comes from the scheme’s assets. It is not extra return on top of an unchanged NAV. Reinvestment buys units with the distribution instead of leaving the money as cash.
No. It isolates distribution-tax drag under equal total returns. Sale taxes and investor-specific exemptions are excluded, so use the result to understand mechanics, not as a final after-tax recommendation.
Further reading from primary sources
AMFI investor education: IDCW plans ↗TAKE THE NEXT STEP WITH A PERSON.
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