Lumpsum Calculator
Calculate returns on your one-time mutual fund or stock investment.
Investment Details
Enter your lumpsum investment details
₹10,000₹1 Cr
1%30%
1 year40 years
Future Value
₹15.53 L
After 10 years at 12% p.a.
Invested Amount₹5.00 L
Estimated Returns₹10.53 L
Future Value₹15.53 L
Investment Breakdown
Invested
Returns
Your money will grow
3.1x
in 10 years
Year-wise Growth
See how your investment grows each year
| Year | Value | Gain |
|---|---|---|
| Year 1 | ₹5.60 L | +₹60,000 |
| Year 2 | ₹6.27 L | +₹1.27 L |
| Year 3 | ₹7.02 L | +₹2.02 L |
| Year 4 | ₹7.87 L | +₹2.87 L |
| Year 5 | ₹8.81 L | +₹3.81 L |
| Year 6 | ₹9.87 L | +₹4.87 L |
| Year 7 | ₹11.05 L | +₹6.05 L |
| Year 8 | ₹12.38 L | +₹7.38 L |
| Year 9 | ₹13.87 L | +₹8.87 L |
| Year 10 | ₹15.53 L | +₹10.53 L |
Lumpsum vs SIP: Which is Better?
Both lumpsum and SIP have their advantages. Lumpsum works best when you have a large amount to invest and when markets are at lower levels. SIP is better for regular investors who want to average out market volatility.
Lumpsum Advantages
- - Higher returns in bull markets
- - Full amount earns returns from day 1
- - Better for bonus/inheritance money
- - Lower transaction costs
SIP Advantages
- - Rupee cost averaging
- - Disciplined investing habit
- - Lower risk from market timing
- - Good for regular income earners
Disclaimer: This calculator provides estimated returns based on the expected rate of return. Actual returns from mutual funds and stocks may vary based on market conditions. Past performance does not guarantee future results.