Lumpsum Calculator — Calculate One-Time Investment Returns
Invested a lump sum in a mutual fund? Enter your principal, expected annual return, and duration to see your wealth grow.
Calculator Inputs
Total Value
Invested
Est. Returns
Invested Amount₹1.00 L
Est. Returns₹2.11 L
Total Value
₹3.11 L
▲12% CAGR
Year-by-Year Growth Table
Based on ₹100,000 at 12% p.a. for 10 years
| Year | Invested | Est. Returns | Total Value |
|---|---|---|---|
| 1 | ₹100,000 | ₹12,000 | ₹112,000 |
| 2 | ₹100,000 | ₹25,440 | ₹125,440 |
| 3 | ₹100,000 | ₹40,493 | ₹140,493 |
| 4 | ₹100,000 | ₹57,352 | ₹157,352 |
| 5 | ₹100,000 | ₹76,234 | ₹176,234 |
| 6 | ₹100,000 | ₹97,382 | ₹197,382 |
| 7 | ₹100,000 | ₹121,068 | ₹221,068 |
| 8 | ₹100,000 | ₹147,596 | ₹247,596 |
| 9 | ₹100,000 | ₹177,308 | ₹277,308 |
| 10 | ₹100,000 | ₹210,585 | ₹310,585 |
Frequently Asked Questions
A lumpsum investment means investing the entire amount at once into a mutual fund, as opposed to SIP which invests monthly. It works best when you have a large sum available and markets are at a low point.
Lumpsum Return = P × (1 + r/100)^n, where P is the principal amount, r is the annual return rate, and n is the number of years.
Neither is universally better. Lumpsum can outperform SIP in a rising market; SIP outperforms lumpsum in volatile or falling markets through rupee cost averaging. Most financial advisors suggest SIP for regular investors.
Most mutual funds allow lumpsum investment with a minimum of ₹500 to ₹5,000, depending on the fund house. Many allow ₹500 as minimum.
Yes. You can invest a lumpsum amount and also run a SIP in the same mutual fund scheme simultaneously. Both are tracked separately in your folio.