Question: I invested ₹5,00,000 in a fund. Two years later, I added another ₹2,00,000. At the end of year 5 (from my first investment), the total value was ₹12,00,000 and I withdrew everything. What annualized return did I actually earn on my money?
Answer: Approximately 12.8% per annum (XIRR).

Supporting evidence:
title: Inline formula / method note
quote: Standard internal rate of return (IRR/XIRR) — time value of money mathematics
context: Standard internal rate of return (IRR/XIRR) — time value of money mathematics.