SIP Calculator India
Estimate mutual fund SIP maturity value, invested amount, and wealth gain.
UseAll India tools
Investments
Lumpsum Calculator
Estimate the future value of a one-time mutual fund or index fund investment with compounding.
How to useStart with the sample values, edit the fields, and watch the results update automatically.
Estimate only. This is educational content, not financial, tax, investment, or legal advice.
Your estimateUpdates instantly
Estimated maturity value₹3,10,585Projected value with yearly compounding.
Estimated wealth gain₹2,10,585Maturity value minus the amount invested.
Growth multiple3.11xHow many times your money grows in the period.
Projection
10 rowsYearly lumpsum growth
Shows how a one-time investment compounds each year at the selected return assumption.
| Year | Opening value | Growth | Closing value | Multiple |
|---|---|---|---|---|
| 1 | ₹1,00,000 | ₹12,000 | ₹1,12,000 | 1.12x |
| 2 | ₹1,12,000 | ₹13,440 | ₹1,25,440 | 1.25x |
| 3 | ₹1,25,440 | ₹15,053 | ₹1,40,493 | 1.4x |
| 4 | ₹1,40,493 | ₹16,859 | ₹1,57,352 | 1.57x |
| 5 | ₹1,57,352 | ₹18,882 | ₹1,76,234 | 1.76x |
| 6 | ₹1,76,234 | ₹21,148 | ₹1,97,382 | 1.97x |
| 7 | ₹1,97,382 | ₹23,686 | ₹2,21,068 | 2.21x |
| 8 | ₹2,21,068 | ₹26,528 | ₹2,47,596 | 2.48x |
| 9 | ₹2,47,596 | ₹29,712 | ₹2,77,308 | 2.77x |
| 10 | ₹2,77,308 | ₹33,277 | ₹3,10,585 | 3.11x |
What this result means
A lumpsum investment puts the full amount to work immediately, so compounding acts on the whole corpus from day one. This suits bonuses, maturity proceeds, or sale amounts you do not need soon.
Compare the same amount and period on the SIP calculator to see how one-time investing differs from monthly investing. Many investors combine both: a lumpsum base plus a monthly SIP.
Quick questions
Is lumpsum better than SIP?
Neither is always better. Lumpsum benefits when markets rise after you invest; SIP averages your cost when markets are volatile. Time in the market matters more than timing for long periods.
Which return rate should I use?
Equity funds are often tested at 10% to 12%, hybrid funds at 8% to 10%, and debt funds at 6% to 7%. These are planning assumptions, not guarantees.
Is the maturity value guaranteed?
No. Mutual fund returns are market-linked. This calculator shows a projection at a constant assumed return.