KSE-100 Return Calculator

Divide the index level on the end date by the level on the start date and subtract one. If the KSE-100 was 50,000 and is now 125,000, the total return is 150%. This calculator reads the daily closing levels, moves each date to the nearest trading session, and also works out the annualised return (CAGR), the points change, the worst fall and the return by calendar year.

No. The KSE-100 is a price index, so it follows share prices only. Investors who owned the companies also received cash dividends, which made their actual return higher than the index return. We do not show a total return series because we do not have a verified one, so treat the figures as the price return of the market.

CAGR is the steady yearly growth rate that would take the index from its starting level to its ending level over your period: (end level ÷ start level)^(1 ÷ years) − 1. It smooths out the big ups and downs. The calculator shows it only for periods of about a year or more, because annualising a few months is misleading.

The real return strips out rising prices: (1 + index return) ÷ (1 + inflation over the same dates) − 1. If the index doubles while prices also double, your real return is zero. Inflation uses Pakistan CPI: monthly readings from the Pakistan Bureau of Statistics from January 2024 to September 2026 (later dates are estimated at the latest year-on-year pace) and World Bank yearly averages before that. The real return is therefore an approximation: usually a few percentage points either way, and more for periods under two years that start before January 2024.

You cannot buy an index itself. You can buy shares of the companies in it, or units of an index fund or exchange-traded fund that follows an index, which charges a management fee. The cost field under More options is a percentage charged on each purchase, such as brokerage or a sales load, so you can see how much that would take off the result. A yearly management fee is not modelled: held for several years, it would take more than a one-off cost of the same size.

The KSE-100 tracks 100 companies chosen for sector representation and market capitalisation, and the KSE-30 is a free-float, liquidity-screened set of 30 large companies. The KMI-30 and KMI All Share are the Shariah-compliant indices, and the All Share index covers all eligible companies. Different baskets give different returns over the same dates, which you can check by switching the index or using the compare option.

The daily history on Investify starts in November 2021. For earlier periods you need an exchange or financial-data source; we only show returns we can calculate from verified daily levels.

It invests the same rupee amount on the first trading day of every month, like a systematic investment plan, and values everything at your end date. Its annualised return is the XIRR, which weighs each payment by how long it was invested, and its real return measures each month's money from its own purchase date. It shows how a steady plan fared through the ups and downs compared with a one-time investment.