What does 1× to 110× mean for Polaris?

It is an illustrative framing of repeated capital-doubling cycles after costs, not a guarantee. Each cycle applies assumptions for tax, fees, and withdrawals before the next round compounds.

Which fees does the Polaris calculator include?

The tool models 12.5% LTCG on gains, a performance fee on profits, a fixed management fee, and a withdrawal percentage each cycle, aligned with how Polaris is discussed on the PMS page.

Is this a promise of Polaris returns?

No. It is an educational scenario builder. Actual PMS results depend on markets, mandate rules, taxes, and your cash flows.

Polaris 1× → 110× Calculator — Compounding After Tax & Fees

Calculators

1Double - opening capital doubles to gross value (100% gain) over about 3 years.
2Deduct - 12.5% LTCG on profit, 20% performance fee on post-tax profit, 0.5% p.a. × 3y management fee on opening capital, 18% GST on performance + management fees.
3Withdraw & reinvest - take out 5% of opening capital; net value rolls to the next cycle.

Starting capital (type any amount in ₹, or use chips below)

Readable amount: ₹50,00,000 (₹50.00 L)

How many full doublings? 7

3 doublings (fewer)10 doublings (more)

Summary after 7 doublings

Net value still invested

₹13.47 Cr

From ₹50.00 L you end with about 26.9× that amount - after all taxes, fees, GST, and withdrawals above.

Cumulative deductions over 7 cycles

₹1.08 Cr

Withdrawals (5% of opening capital)

₹32.38 L

Management fees (0.5% p.a. × 3y)

₹3.78 Cr

Performance fees (20% after LTCG)

₹2.70 Cr

LTCG (12.5%)

₹73.82 L

GST (18% on fees)

Full breakdown by cycle

Matches Clearmind's calculation sheet: each cycle doubles opening capital, then deducts LTCG, performance fee, management fee, withdrawal, and GST. Net value becomes the next cycle's investment.

Polaris 1×→110× compounding illustration — not a guarantee of returns.
Cycle	Investment	Gross	Profit	LTCG	Perf fee	Mgmt fee	Withdraw	GST	Net value
1	₹50.00 L	₹1.00 Cr	₹50.00 L	−₹6.25 L	−₹8.75 L	−₹75,000	−₹2.50 L	−₹1.71 L	₹80.04 L
2	₹80.04 L	₹1.60 Cr	₹80.04 L	−₹10.01 L	−₹14.01 L	−₹1.20 L	−₹4.00 L	−₹2.74 L	₹1.28 Cr
3	₹1.28 Cr	₹2.56 Cr	₹1.28 Cr	−₹16.02 L	−₹22.42 L	−₹1.92 L	−₹6.41 L	−₹4.38 L	₹2.05 Cr
4	₹2.05 Cr	₹4.10 Cr	₹2.05 Cr	−₹25.64 L	−₹35.89 L	−₹3.08 L	−₹10.26 L	−₹7.01 L	₹3.28 Cr
5	₹3.28 Cr	₹6.57 Cr	₹3.28 Cr	−₹41.04 L	−₹57.46 L	−₹4.93 L	−₹16.42 L	−₹11.23 L	₹5.26 Cr
6	₹5.26 Cr	₹10.51 Cr	₹5.26 Cr	−₹65.70 L	−₹91.98 L	−₹7.88 L	−₹26.28 L	−₹17.98 L	₹8.41 Cr
7	₹8.41 Cr	₹16.83 Cr	₹8.41 Cr	−₹1.05 Cr	−₹1.47 Cr	−₹12.62 L	−₹42.07 L	−₹28.78 L	₹13.47 Cr
Totals (all cycles)				−₹2.70 Cr	−₹3.78 Cr	−₹32.38 L	−₹1.08 Cr	−₹73.82 L	₹13.47 Cr

Illustrative model only — not a guarantee of returns. Assumes a full 2× gross return each ~3-year cycle on opening capital; LTCG 12.5% on profit; performance fee 20% on post-LTCG profit; management fee 0.5% p.a. × 3y on opening capital; withdrawal 5% of opening capital; GST 18% on performance + management fees.

Illustrative model aligned to Clearmind's calculation sheet: each ~3-year cycle doubles opening capital; then 12.5% LTCG, 20% performance fee on post-LTCG profit, 0.5% management fee per year on opening capital (×3 years), 5% withdrawal, and 18% GST on performance + management fees. Not a guarantee of returns. See /pms/polaris for the mandate.

Modelling compounding after tax and fees

Headline doubling stories ignore frictions. This calculator makes each cycle's tax, fee, and withdrawal drag visible before the next round of compounding.

Why cycle-by-cycle tables help

Investors often compound gross returns mentally. A table forces net wealth after each round, the number that actually reinvests.

Read with diligence

Compare assumptions to your offer document. Change withdrawal and tax inputs to stress-test how sensitive long-horizon wealth is to frictions.

Illustrative only — not investment advice. Past scenarios do not guarantee future results. Consult a qualified professional before investing.