One-Time Investment
Compound Growth
Pure Client-Side
Lumpsum Investment Calculator 2026
Calculate maturity value and compounding returns on your one-time mutual fund investment across 1 to 30 years.
Popular Lumpsum Allocations:
Investment Parameters
Expected Total Maturity Value
Rule of 72: Doubling in 6.0 Yrs
₹15,52,924
Total Investment
₹5,00,000
Estimated Wealth Gain
+₹10,52,924
Growth Multiple
3.1x Invested
Principal Invested vs Capital Gains Breakdown
Year-by-Year Compounding Schedule
Compound Interest| Year | Opening Balance (₹) | Interest Earned (₹) | Closing Balance (₹) |
|---|
Lumpsum vs SIP: When to Use Which Strategy?
Compare one-time deployment against staggered rupee-cost averaging for Indian equity mutual funds.
Best Scenarios for Lumpsum:
- Deploying annual bonuses, property sales, or gratuity proceeds.
- When equity markets have witnessed a 10%–20% correction and valuations are attractive.
- Long investment horizons (7–15+ years) where initial compounding time creates immense leverage.
- Parking in liquid funds to execute a Systematic Transfer Plan (STP) into equity over 6–12 months.
Best Scenarios for Monthly SIP:
- Investing from monthly salaried savings without worrying about market highs.
- Volatile or peak-valuation market phases to benefit from rupee-cost averaging.
- Building financial discipline without attempting to time market tops and bottoms.
- Coupled with annual 10% Step-Up SIPs to keep pace with salary appraisals.
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