Lumpsum Investment Calculator
Calculate the maturity value and wealth gained on a one-time lumpsum mutual fund investment.
How is Lumpsum Investment Return Calculated?
A lumpsum investment is a one-time amount invested in a mutual fund or other instrument, compounding at an assumed annual rate of return for the entire investment period.
FV = P × (1 + r)n
- P — Principal (one-time investment amount)
- r — Expected annual rate of return
- n — Investment duration in years
For example, investing ₹1,00,000 as a lumpsum for 10 years at an expected 12% annual return grows to a corpus of about ₹3.1 lakh — roughly three times your original investment, purely from compounding.
Frequently Asked Questions
Lumpsum or SIP — which is better?
A lumpsum works best when you have a large amount available and markets are reasonably valued, since your entire capital starts compounding immediately. An SIP suits regular income and volatile markets, since it averages your purchase cost over time.
Are lumpsum mutual fund returns guaranteed?
No. Returns depend on market performance and are not guaranteed. The rate you enter here is an assumption for planning purposes only.
Read more: SIP vs lump sum: what does the math actually say?