Lumpsum Mutual Fund Calculator 2026

Calculate compound growth and future maturity value for one-time lumpsum investments in equity or debt mutual funds

One-Time Lumpsum Investment

₹

Quick Presets:

₹500₹1.00 Cr

Expected Annual Return (% p.a.)

1%30%

Time Period

Yrs

1 Yr50 Yrs

Final value: ₹3.11 L
Your money becomes: 3.1×; of what you put in over 10 years.

Invested vs Interest

Total invested: ₹1.00 L
Interest earned: ₹2.11 L

Interest is 67.8% of final value

Year-by-year breakdown

Show as

1
Total contributed
₹1.00 L
Interest earned
₹12,000
Value
₹1.12 L
2
Total contributed
₹1.00 L
Interest earned
₹13,440
Value
₹1.25 L
3
Total contributed
₹1.00 L
Interest earned
₹15,053
Value
₹1.40 L
4
Total contributed
₹1.00 L
Interest earned
₹16,859
Value
₹1.57 L
5
Total contributed
₹1.00 L
Interest earned
₹18,882
Value
₹1.76 L
6
Total contributed
₹1.00 L
Interest earned
₹21,148
Value
₹1.97 L
7
Total contributed
₹1.00 L
Interest earned
₹23,686
Value
₹2.21 L
8
Total contributed
₹1.00 L
Interest earned
₹26,528
Value
₹2.48 L
9
Total contributed
₹1.00 L
Interest earned
₹29,712
Value
₹2.77 L
10
Total contributed
₹1.00 L
Interest earned
₹33,277
Value
₹3.11 L

Year	Total contributed	Interest earned	Value
1	₹1.00 L	₹12,000	₹1.12 L
2	₹1.00 L	₹13,440	₹1.25 L
3	₹1.00 L	₹15,053	₹1.40 L
4	₹1.00 L	₹16,859	₹1.57 L
5	₹1.00 L	₹18,882	₹1.76 L
6	₹1.00 L	₹21,148	₹1.97 L
7	₹1.00 L	₹23,686	₹2.21 L
8	₹1.00 L	₹26,528	₹2.48 L
9	₹1.00 L	₹29,712	₹2.77 L
10	₹1.00 L	₹33,277	₹3.11 L

Growth over time

The gap between the two lines is the interest earned — and it widens every year.

The formula, with your numbers

Standard Formula

A = P × (1 + i)^N, where i = r ÷ n and N = n × t

Live Calculation (Plugging Your Values)

One-Time Lumpsum Investment (P):₹1,00,000

Interest rate (r):12%

Compounded (n):yearly (once a year)

Time (t):10 years

Rate per period (i):0.12

Number of periods (N):10

Total you will have invested (C):₹1,00,000

Interest earned (I):₹2,10,585

Substituted Equation:

₹1,00,000 × (1 + 0.12)^10 = ₹3,10,585

Maturity value:₹3,10,585

One deposit compounds for the whole term. Each compounding period adds interest on the interest already credited, which is why the final figure is more than simple interest would give.

About Lumpsum Mutual Fund Calculator

A lumpsum investment puts the whole amount into a mutual fund on a single day. From then on its value moves with the fund's NAV, and whatever it gains stays invested, so later growth is earned on earlier growth as well as on the money you put in.

This calculator grows the amount at one fixed annual rate, compounded once a year, and shows its value at the end of each year. A real fund's return changes every year and can be negative, so the result shows what the rate you enter would produce, not what any fund will earn. Nothing is deducted for exit load or tax, so the figures are before both.

How it Works

The calculator takes three inputs:

One-Time Lumpsum Investment: the amount you invest on day one. The buttons under it fill in common amounts.
Expected Annual Return (% p.a.): the yearly return you want to test. The same rate is applied in every year of the period.
Time Period: how many whole years the money stays invested.

Benefits of using the Lumpsum Calculator

Your money and the growth, apart: the table and the chart split each year's value into what you invested and what it earned.
A range, not one number: try a cautious and a hopeful return for the same amount to see how far apart the outcomes are.
The effect of time: change the years to see how much the last years of a long holding add, since each year's growth builds on all the years before it.
Easy to share: the share button copies a link that opens this page with your inputs filled in.

References

How these numbers are checked →

Lumpsum Mutual Fund FAQs

How is lump sum mutual fund investment value calculated?

Lump sum growth follows the compound interest formula: FV = P × (1 + r/100)^n, where P is the one-time investment, r the expected annual return, and n the number of years. There are no instalments, so every rupee compounds for the full period.

What is the difference between lump sum and SIP?

A lump sum invests the entire amount at once, so returns depend heavily on the entry level. A SIP spreads the same amount across months, averaging the purchase price. Lump sum wins in a rising market; SIP protects you when you cannot judge the level.

Should I invest a large lump sum at once or stagger it?

For debt funds, invest at once. For equity, staggering over 6–12 months via an STP from a liquid fund removes the risk of entering at a peak. Historically, investing at once has won more often — but staggering is the choice most investors can actually stick to.

What is an STP and how do I set one up?

A Systematic Transfer Plan parks your lumpsum in a liquid or ultra-short fund of the same fund house and moves a fixed amount into an equity fund every week or month. You set it up on the AMC or platform form by naming the source scheme, the target scheme, the amount and the frequency. Each transfer is a redemption from the debt side, so gains there are taxed at your slab.

Will I pay an exit load if I redeem my lumpsum early?

Most equity funds charge 1% if you redeem within a year, though many now allow up to 10% of units free of load each year. Liquid funds have a graded load only for the first seven days, and many ultra-short and arbitrage funds have none. Check the scheme information document before you invest, because the load comes off your NAV on top of any capital gains tax.

Is a lumpsum taxed differently from a SIP when I redeem?

The tax rates are identical; only the holding period differs. A lumpsum buys all units on one date, so after 12 months the whole thing is long term. A SIP buys on a different date each month, so units are redeemed first-in-first-out and the recent instalments may still be short term. Equity long-term gains above ₹1,25,000 a year are taxed at 12.5% and short-term gains under Section 111A at 20%.

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