Investments
Lumpsum Calculator
Project the future value of a one-time mutual fund investment, compounded annually.
About the Lumpsum Calculator
A lumpsum investment puts the entire amount to work on day one, so the full principal compounds for the whole tenure. It suits investors who have a windfall or accumulated savings ready to deploy.
FV = P × (1 + r)t
where P = amount invested, r = expected annual return, t = years
where P = amount invested, r = expected annual return, t = years
Frequently asked questions
Lumpsum or SIP — which is better?
Mathematically a lumpsum wins if markets rise steadily, but SIPs reduce timing risk by spreading purchases. Many investors combine both.
Is there a lock-in for lumpsum mutual fund investments?
Only for specific schemes like ELSS (3 years). Most open-ended funds can be redeemed anytime, though exit loads may apply early on.