💰 Lumpsum Calculator
Calculate returns on a one-time investment. Compare mutual fund returns with FD returns side by side.
Investment Returns Summary
Maturity Amount
₹3,10,585
Invested
₹1,00,000
Returns
₹2,10,585
CAGR
12.0%
FD Returns (7% p.a.)
₹1,96,715
Extra earnings: ₹1,13,870
📋 Year-wise Growth (MF vs FD)
| Year | MF Value | FD Value | Difference |
|---|---|---|---|
| 1 | ₹1,12,000 | ₹1,07,000 | ₹5,000 |
| 2 | ₹1,25,440 | ₹1,14,490 | ₹10,950 |
| 3 | ₹1,40,493 | ₹1,22,504 | ₹17,989 |
| 4 | ₹1,57,352 | ₹1,31,080 | ₹26,272 |
| 5 | ₹1,76,234 | ₹1,40,255 | ₹35,979 |
| 6 | ₹1,97,382 | ₹1,50,073 | ₹47,309 |
| 7 | ₹2,21,068 | ₹1,60,578 | ₹60,490 |
| 8 | ₹2,47,596 | ₹1,71,819 | ₹75,778 |
| 9 | ₹2,77,308 | ₹1,83,846 | ₹93,462 |
| 10 | ₹3,10,585 | ₹1,96,715 | ₹1,13,870 |
Frequently Asked Questions
What is a lumpsum investment?
A lumpsum investment is a one-time investment of a large amount into a mutual fund or other financial instrument, as opposed to investing in installments (SIP).
Lumpsum vs SIP — which is better?
If markets are low and you have surplus funds, lumpsum can give higher returns. SIP is better for regular income earners as it averages out market volatility through rupee cost averaging.
What is CAGR?
CAGR (Compound Annual Growth Rate) represents the annualized return rate that an investment would have earned if it grew at a steady rate. It's the standard way to compare investments.
Is lumpsum investment risky?
Lumpsum carries higher timing risk since you invest everything at once. If markets drop right after investing, your returns may be lower. Diversification and longer holding periods reduce this risk.
How long should I stay invested in lumpsum?
For equity mutual funds, experts recommend a minimum holding period of 5-7 years. Longer periods (10+ years) significantly improve the probability of positive returns.
Are lumpsum mutual fund returns taxable?
Yes. Equity funds held >1 year: LTCG above ₹1.25 lakh taxed at 12.5%. Debt funds: taxed at your income tax slab rate regardless of holding period (as per 2024 rules).