What is a lumpsum mutual fund investment?

A one-time investment in a mutual fund scheme where the entire amount is deployed in one go, instead of monthly contributions.

How is lumpsum maturity calculated?

Future Value = P × (1 + r)ⁿ where P is the principal, r is the annual return and n is the number of years.

Lumpsum vs SIP — which is better?

SIP averages cost across market cycles and suits regular savers; lumpsum can outperform when invested at market lows. Many investors combine both.

Is there a lock-in for lumpsum mutual funds?

Most equity & debt funds have no lock-in. ELSS funds have a 3-year lock-in for tax benefits under Section 80C.

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Lump Sum Calculator

One-time investment, year-by-year growth — see exactly how compounding builds your wealth.

Reviewed by Nisha SLast verified 6 Sept 2026RBI-compliantFact-check policy

Investment Amount₹5,00,000

₹1K₹1Cr

Expected Return (% p.a.)12%

1%30%

Investment Period10 years

1 yr40 yr

Total Invested₹5,00,000

Wealth Gained₹10,52,924

Future Value₹15,52,924

Year-by-year compounding

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Lump Sum vs SIP — which one?

A lump sum invests everything once and lets compounding work uninterrupted. SIP averages your buy-price across market cycles. Lump sum tends to win in long bull runs; SIP wins in volatile or sideways markets. Most Indian investors blend both.

Future Value formula

FV = P × (1 + r)ⁿ, where P is the lump sum, r is annual rate of return, n is years.

Frequently Asked Questions

Everything you need to know about the Lump Sum Calculator.

Results are illustrative estimates for planning. Actual figures depend on bank/AMC terms, taxes and market conditions.