Lumpsum calculator

Default result

₹5.00 L invested for 10 years at 12% could grow to about ₹15.53 L.

SIP vs lumpsum: investing the same ₹5.00 L as ₹4,167/month over 10 years at 12% grows to about ₹9.33 L, versus ₹15.53 L if invested as a lumpsum on day one.

Year-wise table

Computed from the same engine as the calculator above, using the default inputs. Figures are illustrations, not guarantees.

How to use this calculator

1. Enter the one-time amount you can invest now.
2. Set years and expected annual return.
3. Read maturity value, gains, and the SIP-versus-lumpsum comparison table.

Formula and worked example

Future value uses FV = P × (1 + r)^t with annual compounding, where P is the amount invested, r is the annual return and t is the number of years.

FV = P × (1 + r)ᵗ
  P = amount invested   r = annual return   t = years

Worked example. ₹5,00,000 · 10 years · 12% → ₹15,52,924. Matches Groww to the rupee.

Examples

Common Indian retail queries. Outputs are generated from lib/finance.js at build time.

Assumptions and limits

• Annual compounding — the convention Groww and most Indian calculators use. Monthly compounding would give a marginally higher figure.
• Return constant; gross of fund expenses and tax.
• Annual compounding convention common in Indian retail calculators.
• Return is illustrative; figures are gross of expenses and tax.
• The SIP comparison invests the same total as level monthly amounts over the same years.

Results are illustrations. Actual outcomes depend on markets, interest rates, taxes and charges, none of which are guaranteed.

Mutual fund lumpsum calculator

A mutual fund lumpsum calculator projects a one-time investment at the annual return you assume. ₹5 lakh for 10 years at 12% grows to about ₹15.53 lakh, a gain near ₹10.53 lakh. That path assumes you stay invested; redeeming after a crash locks a different outcome. Prefer lumpsum when money is already idle and the horizon exceeds five years. For money still arriving monthly, a SIP usually fits cash flow better than forcing a single debit. Write the lumpsum inputs you trust into your annual review note so next year’s rerun of “Mutual fund lumpsum calculator” starts from recorded figures.

One-time investment calculator

Bonus, property sale proceeds or ESOPs often arrive as one-time cash. Parking the whole amount on day one maximises time in the market at the cost of timing risk. The default illustration—₹5 lakh, 10 years, 12%—finishes near ₹15.53 lakh. A staggered STP from liquid to equity can reduce regret if markets fall next month. Run this calculator at 8% as well so the decision is not anchored on a single optimistic rate. When household opinions differ on risk for lumpsum under “One-time investment calculator”, fund the more conservative case first and treat any extra debit as optional top-ups.

Lumpsum return calculator

Lumpsum return here means the difference between maturity and principal at your assumed rate, not a guaranteed coupon. On the defaults, invested ₹5.00 lakh becomes about ₹15.53 lakh. Absolute rupee gain looks large over long horizons even when CAGR is moderate—read both. Tax on equity and debt differ; this page does not subtract either. Use the on-page SIP comparison sentence when you are torn between investing all at once or monthly. If the lumpsum instalment for “Lumpsum return calculator” looks unaffordable, cut the target or add years before you inflate the assumed return unrealistically.

Frequently asked questions