YTD stands for Year-To-Date. In mutual funds, it shows how much your investment has grown (or shrunk) since the start of the current year up to today.
Simple Explanation
Think of YTD like a school report card that tells you how you’ve done so far this year.
If a mutual fund had ₹100 on January 1st and it’s worth ₹110 now, the YTD return is +10%.
It’s like checking your score halfway through a game!
YTD Formula
YTD Return (%)=((Current NAV−NAV on Jan 1)/NAV on Jan 1)×100
Where:
- NAV = Net Asset Value (the price of 1 unit of the mutual fund)
- Current NAV = Today’s value
- NAV on Jan 1 = Value at the start of the year
Real-Life Example
- NAV on January 1: ₹50
- Current NAV (July 15): ₹55
So, your fund has grown 10% so far this year.
Why YTD is Useful
- Quick Snapshot: It tells you how your investment is doing this year.
- Compare Funds: Easily compare how different mutual funds have performed in 2025.
- Helps Decide: Good to use with other data when buying or selling funds.
Things to Remember
- YTD changes every day as the market changes.
- It only shows short-term performance—not the full story.
- Use it along with 1-year, 3-year, or 5-year returns to make smart decisions.
