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Lumpsum Calculator

Calculate returns on one-time mutual fund investments

₹
%
Yrs

Total Maturity Value

₹3,10,585

Your money grew 3.1x

Invested

₹1,00,000

Est. Returns

₹2,10,585

Power of Compounding

If you hold this for another 5 years at the same rate, your returns will jump to ₹5,47,357

DISCLAIMER: These calculations are for illustrative purposes only and do not constitute professional financial advice. Actual returns or terms may vary based on market conditions or institution policies.

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Using the Lumpsum Calculator

Estimate the future value of your one-time investments with our precise lumpsum calculator. Ideal for tracking wealth growth over long horizons.

Latest RBI Rates
Updated Dec 2025 | FY 2025-26 Compliant
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Key Features

  • •Calculate future value for one-time investments up to ₹10 Crore+
  • •Track growth over long tenures (up to 40 years)
  • •Adjust annual expected return percentage accurately
  • •Shows initial investment vs total wealth gained
  • •Mobile-friendly interface for quick calculations
  • •No registration or personal data required

How to calculate Lumpsum Calculator

Step-by-step Guide & Informational Intent

  1. 1.Enter the total amount you wish to invest in one go.
  2. 2.Set your expected annual return rate (e.g., 12% for equity).
  3. 3.Choose the number of years you plan to stay invested.
  4. 4.Instantly view your maturity value and total profit.
  5. 5.Use the results to decide between a lumpsum and a systematic (SIP) investment.

How the Calculation Works

The calculator uses the compound interest formula: A = P(1 + r/n)^(nt). For mutual funds, we assume annual compounding based on the CAGR you expect.

Important Assumptions

  • • Annual compounding of returns
  • • Principal remains invested for the full duration
  • • No interim withdrawals
  • • Reinvestment of all dividends/distributions
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Mobile-First Optimized
<1s Load Time

Lumpsum Investment Scenarios

Invest ₹1,00,000: At 12% returns for 20 years, your investment grows to ~₹9.6 Lakhs.
Invest ₹5,00,000: At 15% returns for 10 years, you could have ~₹20.2 Lakhs.
Retirement Corpus: A lumpsum of ₹10 Lakhs at 12% for 15 years results in ~₹54.7 Lakhs.
Doubling Wealth: At 12% interest, your money doubles approximately every 6 years.
MyIndianCalculator Team

Created by MyIndianCalculator Team

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Lumpsum Calculator

Estimate the future value of your one-time investments with our precise lumpsum calculator. Ideal for tracking wealth growth over long horizons.

Lumpsum is often better when the market is at a low point or when you have a large sum available. For regular investors, SIP is generally safer to avoid market timing risks. In the long run, both can be effective depending on your entry point.
The 'Rule of 72' is a simple way to estimate how long it will take for your money to double. Divide 72 by your annual return rate. For example, at 12%, your money doubles in 6 years (72/12).
No, returns from equity mutual funds in India are subject to market risks. However, historical data from Nifty 50 suggests a long-term CAGR of 12-14%.
Most Indian mutual funds charge an 'Expense Ratio' (management fee) and 'Exit Load' if you withdraw money within a short period (usually 1 year).
Diversifying across different asset classes (Large Cap, Mid Cap, Debt) and having a long investment horizon (5+ years) are the best ways to manage risk.