Mutual Fund Lumpsum Calculator

Calculate wealth creation through lumpsum investment in Mutual Funds

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Please enter amount between 1,000/- to 9,99,99,999/-
Years Please enter investment period between 1 to 30 years
% Please enter return percentage between 1% to 30%

Your Investment Details

Total Return Value Could be 5,00,000
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Expected Wealth Gain 4,00,000
Mutual Fund Lumpsum Calculator
Mutual funds in India allow lumpsum and SIP (Systematic Investment Plan) investments.

With the lumpsum investment, one invests a significant amount of money in any mutual fund scheme of their choice. With SIP, investors get to select a smaller amount that is generally invested in the preferred scheme on a monthly basis.

Investors planning to go for the lumpsum route can use the mutual fund lumpsum calculator to find out the approximate returns their investment could generate over a selected time period.

Formula to Calculate Mutual Fund Returns

The lumpsum calculator requires the investor to enter details, like the total investment amount, expected return rate, and time period. Based on these inputs, the online tool can instantly provide estimated returns for the investment.

The calculator works on the following formula-

A = P (1 + r/n) ^ nt


  • A is the estimated returns
  • P is the present value
  • r is the return rate
  • n is annual compounded interest
  • t is investment duration

For instance, if an investor wants to invest Rs. 5 lakhs for 10 years in a scheme that can generate 10% returns every year and compounding twice a year, the estimated returns based on the formula would be as follows-

A=500,000 (1+10/2) ^ 2x10

Manually calculating the answer to this complex equation can be very challenging. This is where the lumpsum calculator gets into the picture. By simply entering details, like the investment amount, expected returns, and investment duration, the online tool will instantly generate the output.

In this case, the expected amount after 10 years would be Rs. 12,96,866. Here, Rs. 500,000 is the initial investment and Rs. 7,96,866 is the generated profits.

What is SIP Need Calculator?

While a lumpsum SIP calculator helps an investor find out estimated returns from a mutual fund investment, a SIP Need Calculator enables them to find out the amount they should invest every month to meet their investment objective.

It requires the investor to enter details like target amount, expected rate of returns, and investment duration. Based on these details, the calculator will provide a detailed breakout of how much money the investor should invest in a mutual fund scheme every month to reach the desired lump sum amount.

How Does the Mutual Fund Lumpsum Calculator Help?

With the help of the lumpsum calculator for mutual fund, investors can find out out the profits that their investment could generate over a particular duration. This information can help them ascertain whether or not the lump sum amount they are investing for a particular duration will be able to meet their investment objective.

Here are some of the top benefits of using this online tool-

  • Users can adjust the amount, rate of interest, and investment duration to get a better idea of what their investment could generate in the future.
  • Investors who do not know the duration for which they should invest or how much they should invest for a particular financial goal can figure out the same with the help of this lump sum mutual fund calculator.
  • The calculator is very easy to use. Even first-time investors can effortlessly use the tool to get an accurate estimate of the returns.

Nature of Investment in Mutual Funds (SIP/Lumpsum)

Before investing a lumpsum amount or starting a SIP, one should clearly understand how these investments work.


As the name suggests, a lump sum mutual fund investment requires the investor to invest a lump sum amount in any scheme of their choice. In other words, the investor invests the total amount in the preferred scheme at one go right at the starting of their investment period.

Based on their investment objective and risk appetite, they can select from a wide range of equity, debt, hybrid, fixed income, index, speciality, or any other type of mutual fund scheme. Once the investment is made, the investor is then free to withdraw the invested amount, along with the generated returns, as and when needed.

But note that some of the mutual fund schemes have a lock-in period. Investors can only withdraw the funds once the lock-in period is over. Premature withdrawals could result in a penalty. For instance, the tax-saving ELSS (Equity Linked Savings Scheme) funds have a lock-in period of 3-years.


SIP or Systematic Investment Plan allows the investor to invest a smaller amount at regular intervals. Just like a lumpsum investment, investors are free to start their SIP in any mutual fund scheme of their choice.

SIPs in the majority of the mutual fund schemes begin at Rs. 1,000/month. This makes it easier for the investors to begin their investment journey earlier in life as there is no need for a significant lump sum amount to start investing. Apart from monthly SIPs, one can also opt for quarterly and annual payments in any preferred scheme.

There are generally no restrictions on the duration for which an investor wants to continue the SIPs. But as mutual funds are considered long-term investments, the SIPs can generate better returns over a period of 5 years or more.

Advantages of Using Lumpsum Calculator

Here are some of the top reasons why one should use a mutual fund lumpsum return calculator before making a lumpsum investment-

  • Better Financial Planning

    - Experts recommend that one should always have a goal before making any investment. When an investor knows the expected returns, it becomes easier for them to plan their future finances and select an appropriate goal that they’d like to achieve with the investment.
  • Accurate Estimates

    - The calculator helps the investor get a highly precise estimate of the returns. While pinpoint accuracy is not possible as mutual fund investments are subject to market risks, even the estimated returns do an excellent job of helping an investor invest more confidently.
  • Easy to Use

    - Manual calculation of the estimated returns can be very complicated and time-consuming. Not to forget that manual calculations are also highly prone to errors. The online tool eliminates all the hassles and provides instant results within seconds.

Get Accurate Estimates for Your Investments with a Mutual Fund Lumpsum Calculator

Every investor would want to know how much their investment could generate before they make the investment decision. The mutual fund calculator for lumpsum amounts makes this super simple and quick. By simply providing some basic details about the investment, anyone can instantly find out the approximate returns from the investment.

Investors can get in touch with a reputed AMC (Asset Management Company) or the mutual fund scheme provider to know more about all the different types of schemes they offer and select one that best meets their objectives.

Mutual Fund Lumpsum Calculator FAQs (Frequently Asked Questions)

How Can a Lumpsum Calculator Help You?

You can use a lumpsum calculator in order to find out an estimated amount of returns on your investment. This calculator can help you find out if the investment option you have selected will meet your financial goals. It gives you the flexibility to change the investment amount, period of investment, and rate of return many times. This way, it can help you determine the optimum investment plan.

What is the Difference Between Lumpsum and SIP?

A one-time investment in a particular mutual fund scheme is called a lumpsum investment. However, a SIP is a way of investing that allows an investor to invest a fixed amount of money in mutual fund schemes at regular intervals.

What is More Advantageous- Lumpsum or SIP?

An individual who has made a lumpsum investment doesn’t have to face the hassles of keeping an eye on the amount of money to be invested every month. However, in the initial stage, such an investor might have to face a financial burden as he/she must invest a considerable amount of money. A SIP requires an investor to invest a smaller amount periodically. Therefore, a SIP investment can be easier compared to a lumpsum investment. But a SIP requires more attention than a lumpsum investment.

What is Inflation?

Inflation is a rise in the prices of goods and services over a period of time.

How Do I Invest in Lumpsum?

You can invest in lumpsum by selecting the fund you consider to invest. Then you can move the desired amount into your preferred funds whether equity, debt or balanced funds.

When Should One Prefer Lumpsum Investment?

It is recommended that an investor consider a lumpsum investment if he/she plans to invest for the long term and understands his/her risk appetite.

Can We Add Lumpsum in SIP?

Yes, you can.

DisclaimerThe information contained herein is generic in nature and is meant for educational purposes only. Nothing here is to be construed as an investment or financial or taxation advice nor to be considered as an invitation or solicitation or advertisement for any financial product. Readers are advised to exercise discretion and should seek independent professional advice prior to making any investment decision in relation to any financial product. Aditya Birla Capital Group is not liable for any decision arising out of the use of this information.