Investment Details
Goal presets
Future Value
after 10 years at 12% p.a.
Invested
₹1,00,000
Total Gain
₹2,10,585
Absolute Return
210.6%
Wealth Multiplier
3.11×
Growth Breakdown
Invested
₹1,00,000
32.2%
Gain
₹2,10,585
67.8%
Year-by-Year Growth
How your one-time investment compounds over time
Year-by-Year Schedule
Value of investment at end of each year
| Year | Value | Gain | Absolute Return |
|---|
What is Lumpsum Investment?
A lumpsum investment is a one-time deposit of a large amount into a mutual fund, FD, or any investment vehicle — as opposed to a SIP (monthly installments). Lumpsum investing works best when markets are undervalued or when you have a large corpus available (bonus, inheritance, business sale).
Where P = principal, r = annual return rate, n = years. Returns compound annually.
Lumpsum vs SIP
Lumpsum wins when…
Markets are clearly undervalued (post-crash). You have a large one-time amount. You're investing for 7+ years and can handle volatility.
SIP wins when…
You invest monthly from salary. Markets are at all-time highs. You want rupee-cost averaging to reduce timing risk.
Best of both worlds
Invest lumpsum in debt funds first, then do a Systematic Transfer Plan (STP) into equity over 6–12 months.
Example Calculations
Rule of 72
At 12%, money doubles in 72÷12 = 6 years. ₹1L becomes ₹2L in 6yr, ₹4L in 12yr, ₹8L in 18yr.
Return Rate Benchmarks
* Historical averages. Past performance does not guarantee future returns.
Frequently Asked Questions
Common questions about lumpsum investing