Lumpsum Calculator

Best used for one-time investments like received bonus or matured FD.

A lumpsum calculator estimates how much a single one-time investment will grow over a specified period at a given rate of return. Unlike SIP (which involves regular monthly investments), a lumpsum investment is ideal when you have a large sum available at once — from a bonus, inheritance, matured insurance policy, property sale, or large savings.

Lumpsum vs SIP: Lumpsum investing outperforms SIP when markets are trending upward, because the entire amount is invested from day one and benefits from full market participation. SIP outperforms in volatile or declining markets because of rupee cost averaging. For most retail investors who cannot time the market, a combination of both — lumpsum for immediate deployment and SIP for regular savings — is the optimal strategy.

₹1 lakh invested as lumpsum in an equity mutual fund at different rates: At 10%: ₹2.59L (10yr), ₹6.73L (20yr). At 12%: ₹3.11L (10yr), ₹9.65L (20yr). At 15%: ₹4.05L (10yr), ₹16.37L (20yr). The difference between 12% and 15% over 20 years is ₹6.72 lakh on a ₹1 lakh investment — demonstrating why choosing higher-returning funds matters enormously for long-term wealth.