Lumpsum Calculator
Key takeaways
- A one-time ₹1.00 L grows to ₹3.11 L in 10 years at 12% — ₹2.11 L of growth with nothing added along the way.
- It crosses 2× the starting amount in year 7.
- At 13%, the same amount would reach ₹3.39 L — ₹28,872 more.
Yearly schedule
| Year | Invested | Growth | Value |
|---|---|---|---|
| 1 | ₹1.00 L | ₹12,000 | ₹1.12 L |
| 2 | ₹0 | ₹13,440 | ₹1.25 L |
| 3 | ₹0 | ₹15,053 | ₹1.40 L |
| 4 | ₹0 | ₹16,859 | ₹1.57 L |
| 5 | ₹0 | ₹18,882 | ₹1.76 L |
| 6 | ₹0 | ₹21,148 | ₹1.97 L |
About the Lumpsum Calculator
A lumpsum investment is a single, one-time amount put into a fund, deposit or scheme and left to grow. Because the whole amount is invested from day one, it compounds for the entire period — unlike a SIP, where each instalment compounds only from the month it is added.
This calculator shows what a one-time investment grows to at a fixed annual return over your chosen number of years, using compound growth. For market-linked investments the rate is not fixed, so the result is a projection based on the return you enter.
Frequently asked questions
How is lumpsum maturity calculated?
With the compound-interest formula: Future Value = P × (1 + r)ⁿ, where P is the amount invested, r is the annual return and n is the number of years. The longer the horizon, the more compounding adds on top of your principal.
Is a lumpsum better than a SIP?
It depends on timing and risk. A lumpsum benefits fully from a rising market but is exposed if markets fall right after you invest; a SIP spreads that risk by averaging your entry price. The two differ in what funds them — a lumpsum invests an amount already held in one go, a SIP invests out of a recurring flow.
Is the projected return guaranteed?
Only for fixed-rate products like FDs or PPF. For market-linked investments such as mutual funds or stocks the actual return varies, so the figure here is an estimate based on the rate you assume.
How does inflation affect the result?
The maturity value is in future rupees, which buy less than rupees today. To see the real, inflation-adjusted worth of your corpus, use our Inflation calculator alongside this one.
What return should I assume?
It depends entirely on where you invest — a bank FD, a debt fund and an equity fund have very different expected returns and risk. Modelling a conservative and an optimistic rate gives a more honest range than a single figure.
Disclaimer: This calculator is for information and education only. It is not investment advice and not a recommendation to buy, sell or hold any investment. Where a rate of return, inflation or growth is an input, it is an assumption: actual returns vary and are not guaranteed, and past performance may or may not be sustained in future. It does not take your personal circumstances into account. Every figure is computed solely by applying the formula and assumptions stated on this page to the inputs you entered.