Lumpsum details
Optional extras
Estimated maturity
Corpus over years
Year-wise growth
Mutual fund lumpsum returns estimator
Plan a one-time investment with this free lumpsum calculator. Enter the amount, expected annual return and years to see future value, absolute return and CAGR. Switch to goal mode to find how much you need to invest today. Compare the same capital as a monthly SIP, adjust for inflation, and optionally view a rough India equity MF tax estimate — all privately in your browser.
Lumpsum formula
For yearly compounding (the usual mutual-fund comparison model): A = P × (1 + r)t. With n compounds a year: A = P × (1 + r/n)n×t, where P is the lumpsum, r the annual rate as a decimal, n the compounds per year and t the years. Gains = A − P. CAGR = (A ÷ P)1/t − 1.
Worked example (matches Groww)
₹15,00,000 invested as a lumpsum at 12% for 5 years with yearly compounding: A = 15,00,000 × (1.12)5 ≈ ₹26,43,513. Absolute return ≈ 76.23%; CAGR = 12%.
| Input | Value |
|---|---|
| Principal (P) | ₹15,00,000 |
| Annual return (r) | 12% |
| Years (t) | 5 |
| Compounding | Yearly |
| Future value (A) | ₹26,43,513 |
| Gains | ₹11,43,513 |
When lumpsum vs SIP
Use a lumpsum when you already have a large amount (bonus, maturity proceeds, inheritance) and can stay invested through volatility. Prefer a SIP when you invest from monthly income or want to average purchase cost over time. Many investors do both: a core SIP plus occasional lumpsums. Try the compare panel above, then refine SIP plans on the SIP Calculator or withdrawals on the SWP Calculator.
Inflation and real returns
A ₹26 lakh corpus in five years buys less than ₹26 lakh today. Divide by (1 + inflation)t for a rough real value. At 6% inflation, ₹26,43,513 in 5 years is about ₹19.75 lakh in today’s rupees. Real CAGR is lower than the nominal assumed return.
Related calculators
For systematic investing use the SIP Calculator. For withdrawal planning see the SWP Calculator. For general compounding (daily/monthly/continuous, deposits, CAGR/time solvers) open the Compound Interest Calculator. Tracking buy/sell average price? Try the Stock Average Calculator.
Frequently asked questions
What is the lumpsum future value formula?
With yearly compounding, A = P × (1 + r)^t. With n compounds a year: A = P × (1 + r/n)^(n×t).
SIP vs lumpsum — which is better?
Lumpsum can grow more if the full amount compounds from day one under a rising market. SIP reduces timing risk. Compare both with the same total invested on this page.
Does compounding frequency matter for mutual funds?
Fund NAVs move daily; yearly A = P(1+r)^t is the common comparison model. Try other frequencies here for sensitivity.
How is the rough equity MF tax estimate calculated?
LTCG 12.5% on gains above ₹1.25 lakh for holdings over a year; STCG 20% if under a year (post-Jul-2024 equity rules). Estimate only — not tax advice.
What does inflation-adjusted (real) future value mean?
Real FV = nominal FV ÷ (1 + inflation)^t — an estimate of today’s buying power.
Is this investment advice?
No. Estimates only. Markets, fees and taxes vary. Consult a qualified advisor.