📈 Mutual Fund
Lumpsum Calculator
Project the future value of a one-time investment at any expected annual return over any time horizon.
FUTURE VALUE
₹3.11 L
INVESTED
₹1.00 L
RETURNS
₹2.11 L
RETURN %
210.6%
CAGR
12.0% p.a.
SCENARIOS FOR ₹1.00 L × 10 yr
8% p.a.
₹2.16 L+₹1.16 L
12% p.a.
₹3.11 L+₹2.11 L
15% p.a.
₹4.05 L+₹3.05 L
18% p.a.
₹5.23 L+₹4.23 L
YEAR-WISE PROJECTION
| Year | Value | Gain | Growth |
|---|---|---|---|
| Yr 1 | ₹1.12 L | +₹12,000 | 12% |
| Yr 2 | ₹1.25 L | +₹25,440 | 25% |
| Yr 3 | ₹1.40 L | +₹40,493 | 40% |
| Yr 4 | ₹1.57 L | +₹57,352 | 57% |
| Yr 5 | ₹1.76 L | +₹76,234 | 76% |
| Yr 6 | ₹1.97 L | +₹97,382 | 97% |
| Yr 7 | ₹2.21 L | +₹1.21 L | 121% |
| Yr 8 | ₹2.48 L | +₹1.48 L | 148% |
| Yr 9 | ₹2.77 L | +₹1.77 L | 177% |
| Yr 10 | ₹3.11 L | +₹2.11 L | 211% |
ABOUT LUMPSUM INVESTING
What is lumpsum investing?
Lumpsum investing means investing a large amount at one time in a mutual fund or asset, as opposed to SIP (monthly instalments). It is ideal when you have surplus funds and want to invest immediately.
Lumpsum vs SIP — which is better?
Lumpsum is better when markets are low (you invest more at cheaper prices). SIP is better during volatile or rising markets as it averages your cost. For most retail investors, SIP in equity funds is recommended for discipline.
How is lumpsum return calculated?
Future Value = P × (1 + r)^n, where P is the invested amount, r is the annual return rate (as a decimal), and n is the number of years. Actual returns vary based on market performance.