Lumpsum Calculator
Calculate returns on one-time mutual fund investments over any period.
Maturity Value
₹27.37 L
15 years @ 12% p.a.
Invested
₹5.00 L
Returns
₹22.37 L
Total Value
₹27.37 L
Growth Over Time
Year-wise Breakdown
| Year | Invested | Returns | Value |
|---|---|---|---|
| Yr 1 | ₹5.00 L | ₹60.00 K | ₹5.60 L |
| Yr 2 | ₹5.00 L | ₹1.27 L | ₹6.27 L |
| Yr 3 | ₹5.00 L | ₹2.02 L | ₹7.02 L |
| Yr 4 | ₹5.00 L | ₹2.87 L | ₹7.87 L |
| Yr 5 | ₹5.00 L | ₹3.81 L | ₹8.81 L |
| Yr 6 | ₹5.00 L | ₹4.87 L | ₹9.87 L |
| Yr 7 | ₹5.00 L | ₹6.05 L | ₹11.05 L |
| Yr 8 | ₹5.00 L | ₹7.38 L | ₹12.38 L |
| Yr 9 | ₹5.00 L | ₹8.87 L | ₹13.87 L |
| Yr 10 | ₹5.00 L | ₹10.53 L | ₹15.53 L |
| Yr 11 | ₹5.00 L | ₹12.39 L | ₹17.39 L |
| Yr 12 | ₹5.00 L | ₹14.48 L | ₹19.48 L |
| Yr 13 | ₹5.00 L | ₹16.82 L | ₹21.82 L |
| Yr 14 | ₹5.00 L | ₹19.44 L | ₹24.44 L |
| Yr 15 | ₹5.00 L | ₹22.37 L | ₹27.37 L |
Lumpsum Calculator visual insights
Future value
₹50.46 L
Growth
₹32.46 L
How to Use This Calculator
Enter Amount
Set your loan amount or investment using the slider or input field.
Set Rate & Tenure
Adjust the interest rate and time period to match your scenario.
Get Results
See your EMI, total interest, and full payment breakdown instantly.
Share & Plan
Share the result link or download the amortization schedule as PDF.
About Lumpsum Calculator
Lumpsum Calculator helps you estimate investment growth, required contribution, annualised return, and future corpus using India-focused assumptions and INR formatting. Calculate returns on one-time mutual fund investments over any period.
This tool is useful for Indian investors planning SIPs, mutual funds, deposits, inflation-adjusted goals, and portfolio returns. It is designed for quick planning before comparing bank offers, investment options, tax choices, or scheme rules with a qualified professional.
The calculations are tailored for users in India and use Indian number formatting, rupee values, and locally relevant finance terms wherever applicable.
Results are estimates for education and planning. Final decisions should use official documents, lender statements, scheme rules, tax notices, or advice from a qualified professional.
Frequently Asked Questions
What is a lumpsum mutual fund investment?
A lumpsum investment is a one-time deposit into a mutual fund (as opposed to SIP's monthly instalments). You put in a single amount, and it grows with the fund's NAV over time.
Is lumpsum better than SIP?
Lumpsum wins when markets are at a low or if you have a large windfall sitting idle. SIP wins when you invest from regular income and want to average out volatility. For most salaried investors, SIP is the safer default.
How is lumpsum return calculated?
Future Value = P × (1 + r)^n, where P is the lumpsum amount, r is the annual return, and n is the duration in years. This calculator shows the year-wise growth curve based on your inputs.
What return should I expect from equity lumpsum in India?
Over 15-20 year windows, diversified equity mutual funds in India have historically delivered 11-14% CAGR. Plan with 10-12% as a conservative assumption — returns vary and past performance doesn't guarantee future results.
Is lumpsum income taxable?
Equity fund LTCG (>12 months) is taxed at 12.5% beyond ₹1.25 lakh per FY. Debt fund lumpsum gains are fully taxed at slab rate. Tax is paid only on redemption, not on paper gains.
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Methodology & Formulas
All formulas used here comply with RBI guidelines and standard Indian financial conventions. Calculators are updated for FY 2026–27.
Last updated: April 2026