Lumpsum Calculator
Project how a one-time mutual fund investment grows over the years.
A ₹5 lakh one-time investment growing at 12% annually becomes roughly ₹15.5 lakh in 10 years — triple your money without adding a rupee more. Lumpsum works best when markets are reasonably valued and you can leave the money untouched for 7+ years.
How to use the lumpsum calculator
- Enter your one-time investment amount.
- Set expected returns and tenure.
- See the projected growth and gains.
Lumpsum Calculator — FAQs
SIP vs lumpsum — which is better?
Neither universally. Lumpsum wins if markets rise steadily after you invest; SIP wins by averaging out volatility. If you have the full amount and a 7+ year horizon, lumpsum has historically edged ahead.
What returns should I assume?
Indian equity mutual funds have delivered roughly 11–13% over long periods, but use 10–12% for conservative planning. Debt funds: 6–8%.
When should I avoid lumpsum?
When markets are at stretched valuations and your horizon is short (under 3 years) — a staggered entry or SIP is safer then.
Is the projected amount guaranteed?
No. Market returns fluctuate; the calculator shows a smooth projection. Actual results will zigzag around it.
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