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Invest smarter with our Lumpsum calculator!

Lumpsum Calculator

Ready to take the leap and invest a lump sum in mutual funds? Our Lump Sum Calculator can help you determine the future value of your wealth.

Min ₹ 500

Max ₹ 50,00,000


Min 1 year

Max 30 years


Min 2%

Max 13%

Investment Summary

Created with Highcharts 11.1.0₹ 10,600₹ 10,600₹ 11,236₹ 11,236₹ 11,910₹ 11,910₹ 12,625₹ 12,625₹ 13,382₹ 13,

Invested amount

₹ 10,000

Profit on your investment

₹ 3,382

Total return ₹ 13,382

What is a lumpsum calculator?

A Lump Sum Calculator is a financial tool that can project the future value of your one-time lump sum investment. Enter the investment amount, expected rate of interest and the tenure you wish to stay invested and the calculator will do the rest for you. You can also have choice to change the parameters and estimate the growth of your investment.


How do lumpsum calculators work?

The lumpsum calculator uses the following formula to estimate the future value of an investment. Maturity Amount = Initial Investment x (1 + expected rate of return)time period of the investment

Let’s try to understand this better with an example.

Maya has saved up Rs 50,000 and wants to invest it as a lumpsum for a period of 5 years. She expects a rate of return of 12%.

The lump sum calculator considers the following factors:

Investment amount = Rs. 50,000 (Lump Sum)

Expected rate of return = 12%

Investment tenure = 5 years

Maya’s maturity amount is Rs. 88,117, subject to inflation and market conditions.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

Advantages of a lumpsum calculators

Investment Assessment

• Capital Allocation: It helps investors determine the ideal lump sum amount to invest in a mutual fund, ensuring that they maximize their investment potential. • Risk Analysis: Users can assess the level of risk associated with their lump sum investment and make informed decisions about fund selection.

Returns Estimation

• Performance Projections: A lump sum calculator can estimate potential returns based on historical data and expected market conditions, allowing investors to set realistic financial goals. • Comparison: Investors can compare the projected returns of different mutual funds to identify the most suitable option for their financial objectives..


Portfolio Diversification: Investors can use the calculator to determine how to diversify their lump sum investment across various mutual funds, reducing overall portfolio risk.

Related Calculators

Frequently Asked Questions


How is the return on lump sum investment calculated?

The lump sum mutual fund investment is calculated using a simple formula to calculate the future value of an investment. It takes into account the initial investment amount, expected rate of return, and time period of the investment. The formula for calculating the future value of an investment is FV = PV x (1 + r)^n, where FV is the future value, PV is the initial investment amount, r is the expected rate of return, and n is the number of compounding periods or period of the investment.


Which is better lumpsum or SIP?

The choice between a lump sum investment and a Systematic Investment Plan (SIP) depends on individual financial goals, risk tolerance, and circumstances. Lump sum investments are ideal when you have a significant amount of capital upfront and want potential immediate returns. However, they carry higher risks due to market volatility. SIP, on the other hand, involves investing a fixed amount at regular intervals – reducing the impact of market fluctuations and allowing for better risk management. It suits investors looking to accumulate wealth gradually and benefit from rupee cost averaging. The decision should align with your financial objectives and ability to navigate market fluctuations.


How to invest 1 lakh lump sum?

Use our Lump Sum Calculator to determine the potential return on your Rs. 1 lakh investment and then choose a mutual fund or other investment option that aligns best with your investment goals and risk tolerance.


What is the maximum amount of lump sum that I can invest?

There is no limit to the maximum amount you can invest in a lumpsum in mutual funds.


What is the minimum amount of lump sum I should invest?

The minimum amount required for a lump sum investment in mutual funds can vary depending on the specific scheme. In some cases, the minimum investment amount can be as low as Rs. 500, while in other cases it may be as high as Rs. 5,000 or more. It's always a good to understand the minimum amount of that respective mutual fund. Please read the scheme document for more details regarding minimum investment amount, associated fees, expense ratio, exit load, entry load, etc.

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