Lumpsum Calculator
Calculate how a one-time investment grows over time at your expected rate of return.
₹
₹10000₹10000000
%
1%30%
yrs
1 yrs30 yrs
Invested Amount
₹5,00,000
Wealth Gain
₹10,52,924
Total Value
₹15,52,924
Total Value₹15,52,924
Investment₹5,00,000
Returns₹10,52,924
How Lumpsum Returns Are Calculated
The lumpsum calculator uses the basic compound growth formula:
Future Value = P × (1 + r)n
Where P is the initial investment (₹5,00,000), r is the annual rate (12%), and n is the duration (10 years).
Your one-time investment of ₹5,00,000 at 12% for 10 years grows to ₹15,52,924, a wealth gain of ₹10,52,924.
Frequently Asked Questions
What is lumpsum investment?
A lumpsum investment is a one-time investment of a large amount in mutual funds, stocks, or other instruments. Unlike SIP, you deploy the entire amount at once.
Is lumpsum better than SIP?
Lumpsum tends to give higher returns when markets are at low valuations. SIP is safer as it averages out volatility. For most salaried investors, SIP is recommended.
What returns can I expect from lumpsum mutual fund investment?
Large-cap equity funds have historically delivered 10-14% CAGR, mid-cap 14-18%, and small-cap 15-22% over 7-10 year periods. Debt funds return 6-8%.
When is the best time for lumpsum investment?
The best time is when markets are at fair or low valuations. However, timing the market is difficult, so investing for the long term is more important than timing.
How is lumpsum return different from SIP return?
In lumpsum, the entire amount compounds from day one. SIP returns are measured using XIRR as each instalment has a different time horizon. Lumpsum returns use simple CAGR.