What is a lumpsum investment?

A lumpsum investment is a one-time investment of a large amount, as opposed to SIP where you invest smaller amounts regularly. For example, investing ₹5 lakh at once in a mutual fund is a lumpsum investment.

Is lumpsum better than SIP?

It depends on market conditions. Lumpsum tends to outperform SIP in consistently rising markets since your entire amount earns returns from day one. SIP is better in volatile or declining markets due to rupee cost averaging.

What is the Rule of 72?

The Rule of 72 is a quick way to estimate how long it takes to double your money. Divide 72 by the annual return rate. At 12% returns, your money doubles in approximately 72/12 = 6 years.

How does inflation affect my returns?

Inflation reduces the purchasing power of your returns. If you earn 12% returns but inflation is 6%, your real return is approximately 6%. Use our inflation-adjusted calculator to see actual wealth growth.

What is a realistic return rate for lumpsum investing?

For equity mutual funds in India, the historical average CAGR is around 12-15% over 10+ years. Debt funds return 7-9%. Fixed deposits offer 6-7%. Adjust the rate based on your chosen investment type.

Lumpsum Calculator

Invest a lump sum — see what it grows to, how it compares to SIP, and your real returns after inflation.

Investment Amount₹1,00,000

Expected Return (% p.a.)12%

Time Period (years)10 yr

Future Value

₹3,10,585

Your money grew 3.1×

Invested

₹1,00,000

Returns

₹2,10,585

+211%

Doubling Time

6.0 yr

Rule of 72

Investment 32.2%Returns 67.8%

Lumpsum vs SIP Comparison

Same total amount (₹1,00,000) invested as lumpsum vs monthly SIP of ₹833

Lumpsum

₹3,10,585

SIP (₹833/mo)

₹1,93,616

Lumpsum gives ₹1,16,969 more — because entire amount compounds from day 1.

Inflation-Adjusted Returns

Inflation Rate:%

Nominal Returns

₹2,10,585

Real Returns (after inflation)

₹73,429

* Returns are estimated based on the assumed rate of return. Mutual fund and equity investments are subject to market risks. Past performance does not guarantee future results. Consult a financial advisor before investing.

Lumpsum Calculator का उपयोग कैसे करें

1
Enter your lumpsum investment amount.
2
Set the expected annual return rate (e.g., 12% for equity).
3
Choose the investment time period in years.
4
View the future value, total returns, and wealth multiplier.
5
Compare with SIP to see which strategy works better.
6
Check the year-by-year growth table for detailed progression.
7
Use the inflation-adjusted section to see real returns.

Lumpsum Calculator के बारे में

Got a bonus, an inheritance, or savings sitting in your account? The question is: what happens if you invest it all at once? This lumpsum calculator answers that. Enter your amount, expected return, and time horizon — see the future value, total returns, and how many times your money multiplies.

Lumpsum vs. SIP — which wins?

People argue about this endlessly, but the math is straightforward: if markets go up over your holding period, lumpsum beats SIP because your entire amount earns returns from day one. If markets drop first and then recover, SIP wins thanks to rupee cost averaging. The calculator shows both side by side for the same total investment so you can compare.

The features that matter

Rule of 72: At 12% returns, your money doubles in ~6 years. The calculator shows this automatically
Wealth multiplier: See "your money grew 3.1×" — more intuitive than raw numbers
Inflation-adjusted returns: Earning 12% sounds great until you subtract 6% inflation. The real return section shows what your gains actually buy
Year-by-year table: Watch how compounding accelerates — the growth in year 10 is way more than year 1

A realistic note

The default 12% is based on the long-term average of Indian equity markets. But markets don't go up in a straight line — you'll see -20% years and +40% years. Lumpsum investing requires staying invested through both. If a big drop right after investing would keep you up at night, consider splitting the amount into 3-6 monthly installments instead.