Lumpsum Calculator
See how a one-time mutual-fund or market investment could grow over time with the power of compounding. Adjust the amount, expected return and time period to project your maturity value.
Free estimate · returns not guaranteedEstimate your lumpsum returns
Total value
₹15,52,924
after 10 years at 12% p.a.
Illustrative estimate, not investment advice. Returns are assumed and not guaranteed — actual market returns vary and your capital is at risk.
Plan your goalsInvested vs projected value
How lumpsum investing works
A lumpsum puts a one-time amount to work from day one and lets compounding do the heavy lifting over the years.
One-time investment
You invest a single amount — a bonus, maturity payout or savings surplus — into a mutual fund or market-linked instrument, all at once.
Compounding over time
Returns are earned on your principal and then on those returns too. The longer your horizon, the more this compounding effect grows your money.
Lumpsum vs SIP
A lumpsum suits a one-time surplus and rewards time in the market; a SIP invests monthly and averages your entry price. Both have a place in a plan.
Market timing risk
Because the full amount enters at one market level, a near-term dip affects all of it. Staggering entry or a long horizon helps manage this.
Returns not guaranteed
Market investments can rise or fall. The figures here use a fixed assumed return for illustration — actual outcomes will differ.
Stay invested
Compounding rewards patience. Redeeming early can cut into returns and may trigger short-term capital gains tax on equity funds.
Frequently asked questions
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