Calculate one-time investment returns with compound growth. See CAGR, absolute returns, Rule of 72 doubling time, and year-wise growth. Free lumpsum investment calculator.
One-time investment returns
Maturity Value
₹15,52,924
Invested
₹5,00,000
Est. Returns
₹10,52,924
Investment vs Returns
Lumpsum investment means investing the entire amount at once in a mutual fund or other investment instrument. Unlike SIP where you invest regularly, lumpsum is a one-time investment.
A quick way to estimate doubling time: divide 72 by the annual return rate. At 12% returns, your money doubles in approximately 72/12 = 6 years.
The lumpsum calculator uses the compound interest formula:
A = P × (1 + r)t
Where:
Lumpsum gives higher returns when markets rise consistently. SIP averages out volatility. For long-term equity investments, lumpsum has historically outperformed SIP about 65% of the time, but SIP is more practical for salaried investors.
Most mutual funds in India require a minimum lumpsum investment of ₹5,000. Some funds accept ₹1,000 or ₹500. Liquid and overnight funds may have lower minimums. Check the specific fund's SID (Scheme Information Document) for exact limits.
Lumpsum investment in equity funds carries timing risk — if you invest at market peaks, short-term returns may be negative. However, over long periods (7-10+ years), this risk diminishes significantly. For debt/liquid funds, lumpsum is quite safe.
If you have a lump sum and markets have corrected (fallen 10-20%), consider lumpsum. If markets are at highs, you could use STP (Systematic Transfer Plan) to gradually move money from liquid fund to equity fund. For regular income, SIP is the way to go.
For equity funds: STCG (< 1 year) taxed at 20%, LTCG (> 1 year) above ₹1.25 lakh taxed at 12.5%. For debt funds: All gains taxed as per your income tax slab. ELSS lumpsum investments qualify for Section 80C deduction up to ₹1.5 lakh.
STP (Systematic Transfer Plan) allows you to invest a lumpsum in a liquid/debt fund and automatically transfer a fixed amount to an equity fund at regular intervals. It combines the safety of debt with the growth of equity while averaging out market volatility.
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