Calculate returns on one-time lumpsum investments in mutual funds. Compare with SIP to make informed investment decisions.
Monthly Investment
Expected Return Rate (p.a.)
Time Period
Total Invested
₹6,00,000
Est. Returns
₹5,61,695
Total Value
₹11,61,695
SIP Growth Projection
Follow these simple steps to get accurate SIP investment projections:
Choose how much you want to invest monthly. Start as low as ₹100 or go higher based on your budget. Use the slider or type the exact amount.
Enter your expected annual return percentage. Historical equity fund returns range from 10-15%. Conservative investors can use 8-10%, aggressive can use 12-15%.
Select how long you plan to invest. Longer periods benefit more from compounding. Minimum 5 years recommended for equity SIPs.
See instant projections showing total invested amount, estimated returns, and final corpus. Interactive charts visualize your wealth growth year by year.
Pro Tip: All calculations update in real-time as you adjust values. Try different scenarios to find what works best for your financial goals!
A lumpsum calculator helps you understand how a one-time investment grows over time. Unlike SIP where you invest regularly, lumpsum investing is about putting in a significant amount all at once - maybe from a bonus, inheritance, or property sale. While lumpsum investing can deliver higher returns if you time the market right, it also carries more risk since you're investing everything at once. This calculator is perfect for planning how to deploy your savings, whether it's ₹1 lakh or ₹1 crore, and seeing realistic projections of where it could grow over your chosen time horizon.
Enter your investment amount - this is the one-time sum you're planning to invest. Next, set your expected annual return based on the type of investment: 10-15% for equity mutual funds, 6-9% for debt funds, or 7-8% for fixed deposits. Finally, choose your investment tenure. The longer you stay invested, the more compounding works in your favor. Experiment with different scenarios: What if you add ₹50,000 more? What if you stay invested for 3 extra years? These projections help you make informed decisions about deploying your money.
Your results show the initial investment, the wealth gained through returns, and your final corpus. The growth curve illustrates how your money multiplies over time. In the early years, growth seems slow, but it accelerates dramatically later - this is the exponential nature of compounding. Unlike SIP, there's no rupee cost averaging benefit here, so your returns depend heavily on when you invest. If you're unsure about market timing, consider splitting your lumpsum into quarterly or monthly investments (also called Systematic Transfer Plan or STP) to reduce timing risk.
Rahul, 35, received ₹15 lakhs from selling his old flat. Instead of keeping it in a savings account earning 3%, he invests it in a balanced mutual fund targeting 10% annual returns. In 10 years, without adding a single rupee more, his ₹15 lakhs grows to approximately ₹38.9 lakhs - that's ₹23.9 lakhs in returns! Compare this to his savings account where it would have grown to only ₹20.2 lakhs. The ₹18 lakh difference shows the power of smart investing. However, Rahul diversifies his investment across 3-4 good funds to reduce risk, rather than putting everything in one place.
Explore these calculators to plan different aspects of your financial journey
Calculate systematic investment plan returns with monthly contributions
Plan your mutual fund investments across equity, debt, and hybrid funds
Calculate Fixed Deposit returns with guaranteed interest rates
Calculate Public Provident Fund maturity with tax-free returns
A SIP (Systematic Investment Plan) calculator helps you estimate the returns on your regular monthly investments in mutual funds. It calculates the future value of your investments based on the monthly amount, expected return rate, and investment duration using the compound interest formula.
The SIP calculator provides estimates based on the expected rate of return you input. Actual returns may vary as mutual fund returns fluctuate with market conditions. The calculator uses the standard SIP formula: FV = P × ((1 + r)^n - 1) / r × (1 + r), where P is monthly investment, r is monthly return rate, and n is total months.
Most mutual funds in India allow SIP investments starting from as low as ₹100 per month. However, popular amounts are ₹500, ₹1,000, or ₹5,000 per month. Some funds may have higher minimums like ₹1,000 or ₹5,000 depending on the fund house.
Historically, equity mutual funds in India have delivered returns between 10-15% annually over long periods. Debt funds typically return 6-9%. For calculation purposes, 12% is commonly used as a moderate estimate for diversified equity funds, though actual returns will vary.
SIP works best for long-term goals of 5 years or more. The longer you invest, the more you benefit from compounding. For wealth creation and retirement, 15-20 years or more is ideal. Short-term goals (1-3 years) may be better suited for debt funds rather than equity SIP.
Yes, SIPs are flexible and can be stopped, paused, or modified at any time without penalties. However, for best results, it's recommended to continue your SIP even during market downturns to benefit from rupee cost averaging.
SIP is generally better for regular investors as it averages out market volatility through rupee cost averaging and doesn't require a large amount upfront. Lumpsum can work better if you have a significant amount to invest and markets are at lower levels. For most salaried individuals, SIP is the preferred method.
Yes, SIP returns compound over time. The returns generated on your investments get reinvested automatically in most mutual funds, leading to compounding growth. This is why longer investment periods can result in exponentially higher returns.
Yes, SIP returns are subject to capital gains tax. For equity mutual funds, gains up to ₹1 lakh per year are tax-free (LTCG). Beyond that, 10% tax applies on long-term gains (held >1 year). Short-term gains are taxed at 15%. Tax-saving ELSS funds have a 3-year lock-in period.
All SIP calculators use the same mathematical formula, so results should be identical given the same inputs. The best SIP calculator is one that's easy to use, provides visual representations, and helps you understand your investment growth. Our calculator works for all Indian banks and AMCs including SBI, HDFC, ICICI, Axis, and more.
This calculator provides estimates for informational purposes only. Results are based on assumptions and may not reflect actual outcomes. Always consult with qualified professionals before making financial decisions.
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