✅ Free Tool — No Login Required
ROI Calculator India — Return on Investment, Annualised ROI & Payback Period
Calculate ROI for any business investment — equipment, marketing, property, or expansion. Compare multiple investments side by side.
ROI Formula: ROI = (Net Profit ÷ Investment Cost) × 100 | Net Profit = Total Return − Investment Cost
Annualised ROI: ((1 + ROI/100)^(1/Years) − 1) × 100 | Payback: Investment ÷ Annual Net Profit
Annualised ROI: ((1 + ROI/100)^(1/Years) − 1) × 100 | Payback: Investment ÷ Annual Net Profit
Investment ROI
₹
₹
#
Benchmark Comparison
Return on Investment
—
Enter investment details to calculate
Net Profit
—
Annualised ROI (CAGR)
—
Payback Period
—
vs Benchmark
—
📊 How Your ROI Compares
Your Investment
—
Bank FD (7%)
7%
Business loan (15%)
15%
Nifty 50 CAGR (14%)
14%
Real estate (12%)
12%
📈 Investment Growth Over Time
🔀 Compare Up to 4 Investments Side by Side
📊 ROI Benchmarks by Investment Type — India 2026
How does your investment compare to typical returns across different asset classes and business types in India?
| Investment Type | Typical ROI / Return | Payback Period | Risk Level |
|---|---|---|---|
| Google / Meta Ads (marketing) | 200–500% ROI | Immediate | Medium |
| Manufacturing equipment | 15–30% p.a. | 3–5 years | Low–Medium |
| Business expansion (new branch) | 20–40% ROI in 2 yrs | 2–4 years | Medium |
| Commercial property (rental) | 8–12% p.a. (rental yield) | 8–12 years | Low |
| Residential property (metros) | 6–10% p.a. capital + rental | 10–15 years | Low |
| Nifty 50 / index funds | 12–15% CAGR (10-yr avg) | 5–7 years | Medium |
| Bank FD (1–3 year) | 6.5–7.5% p.a. | 10–15 years | Very Low |
| Staff training / upskilling | 200–400% ROI | 6–12 months | Low |
| ERP / accounting software | 100–300% ROI | 1–2 years | Low |
| Website / digital presence | 300–1000% ROI | 1–3 years | Low |
📖 How to Use This ROI Calculator
- Select Investment TypeChoose General, Marketing, Equipment, or Property. Marketing and Property show additional relevant fields.
- Enter Investment & ReturnInvestment = everything you spent (purchase price + setup + installation + training). Return = total revenue or value generated over the period.
- Set Duration & BenchmarkEnter how long the investment runs. Select a benchmark rate to see if your ROI beats the alternative (e.g. if your ROI is below 15%, the money might be better used to repay your business loan).
- Compare Multiple InvestmentsUse the comparison grid below the calculator to add up to 4 different investments and identify the best one instantly.
✅ Why Use This Calculator
📈
4 Investment Types
General, Marketing, Equipment, Property — each with relevant fields.
📊
Benchmark Comparison
See if your ROI beats FD, business loan cost, Nifty 50, or real estate.
🔀
Multi-Investment Compare
Add 4 investments, see which gives the best ROI at a glance.
⏱️
Payback Period
Know exactly when you get your money back — critical for cash flow planning.
📉
Annualised ROI
Compares investments of different durations on an equal annual basis.
🔒
100% Private
No data stored. Runs entirely in your browser.
❓ ROI Calculator — Frequently Asked Questions
What is the ROI formula?
ROI = (Net Profit / Investment Cost) × 100. Net Profit = Total Return − Investment Cost. Example: Invest ₹5 lakh, receive ₹7.5 lakh over 2 years. Net Profit = ₹2.5 lakh. ROI = (2.5/5) × 100 = 50% over 2 years. Annualised ROI (CAGR) = (1 + 0.50)^(1/2) − 1 = 22.5% per year. Payback period = 5L / (2.5L/2 years) = 4 years.
What is a good ROI for a business investment?
In India, any annualised ROI above your cost of capital (typically 12–18% for business loans) creates positive value. Marketing campaigns: 200–500% total ROI is good. Equipment: 15–30% annualised. Property: 8–12% annual yield. The benchmark is: if your ROI is below what you are paying on your business loan, you might be better off repaying the loan instead. ROI above 20% annualised is generally considered excellent for asset investments.
What is the difference between ROI and annualised ROI (CAGR)?
ROI is the total percentage return over the entire period. Annualised ROI (CAGR) converts it to an annual rate for comparison. Example: Investment A gives 50% ROI in 2 years. Investment B gives 40% ROI in 1 year. ROI suggests A is better. But annualised: A = 22.5% p.a., B = 40% p.a. Investment B is actually better on an annual basis. Always compare annualised ROI when investments have different time periods.
How to calculate marketing ROI?
Marketing ROI = ((Revenue from Campaign − Campaign Cost) / Campaign Cost) × 100. Example: ₹50,000 Google Ads spend generates ₹2,50,000 in sales. Revenue attributable = ₹2,50,000. Net Gain = ₹2,00,000. Marketing ROI = 400%. Note: use gross profit from those sales (not revenue) for true ROI: if your gross margin is 50%, actual profit = ₹1,25,000. True ROI = (1,25,000 − 50,000) / 50,000 × 100 = 150%.
What is payback period and why does it matter?
Payback Period = Investment Amount / Annual Net Cash Flow. It tells you when you recover your initial investment. Short payback = lower risk. For a ₹5 lakh machine generating ₹1.5 lakh net profit per year: Payback = 3.33 years. Importance: during the payback period, your cash is tied up. If business conditions change (recession, new competition), shorter payback reduces your risk exposure. Most conservative businesses target payback within 3 years for equipment.
📊 Need a CA or Financial Consultant for Investment Analysis?
Find verified Chartered Accountants and financial advisors for investment appraisal, business valuation, and ROI analysis in your city.