Calculator
Lumpsum Calculator
Project what a one-time mutual fund investment could grow to over time, assuming a given rate of return.
Over 10 years, your full amount compounds from day one.
Invested
₹5,00,000
Estimated Returns
₹11,50,193
Total Value
₹16,50,193
after 10 years
Total
₹16,50,193
- Invested
- Returns
A lump sum wins in a rising market because every rupee compounds from day one. A SIP wins in a falling or volatile market because you keep buying more units at lower prices. If you have a windfall and a long horizon (5+ years), a lump sum is usually the higher-expected-return choice — the trade-off is more sequence-of-return risk if the market falls right after you invest.
Equity mutual funds in India have historically returned 10-14% CAGR over long (10+ year) periods, though any single year can vary widely — including negative years. Debt funds are typically 6-8%. Use a conservative number for planning, not the best historical year you can find.
A Systematic Transfer Plan moves your lump sum from a liquid/debt fund into equity over 6-12 months, reducing timing risk at a small cost to expected return. Worth considering if you are investing right after a strong market run-up, or simply uneasy about deploying everything at once.
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How lumpsum investing works
A lumpsum investment deploys your full amount on day one — every rupee starts compounding immediately, rather than being drip-fed in over months like a SIP. The trade-off is timing risk: if the market falls shortly after you invest, your entire corpus feels it, not just one month's contribution.
Pick a real fund
See how this amount would perform in actual schemes. Compare 200+ direct-growth funds with daily NAV, multi-year returns and Morningstar ratings on our mutual funds catalogue.
Disclaimer: Mutual fund returns are subject to market risk. Past performance is not a guarantee of future returns. The assumed return rate is for illustrative purposes only.
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