Lumpsum Investment Calculator
Calculate future value of one-time lumpsum investment with CAGR
Lumpsum Investment Returns
Lumpsum Investment Calculator
A lumpsum investment is a one-time investment of a large amount. It's ideal when you have surplus funds and want to invest for long-term growth.
Formula
Where FV = future value, PV = present value (lumpsum amount), r = expected annual return rate (decimal), t = investment period in years
Example Calculation
Scenario:
Invest ₹5,00,000 for 10 years at 12% CAGR
Calculation:
FV = 5,00,000 × (1 + 0.12)^10Result:
₹15,52,924 (Absolute return: 210.58%)
Key Points
- •Best suited for investors with a significant amount to invest at once
- •Timing the market can impact returns significantly
- •Higher risk compared to SIP as entire amount is invested at once
- •Can benefit from market lows if invested at the right time
- •Ideal for long-term goals (5+ years) to ride out market volatility
Tax Implications:
- •Equity mutual funds: LTCG at 12.5% (exempt up to ₹1.25 lakh/year), STCG at 20%
- •Debt mutual funds: Taxed at slab rates for units purchased after April 1, 2023
- •Holding period: >12 months for equity = long-term; >36 months for debt = long-term (old units)
Disclaimer: The calculations and information provided are estimates based on the inputs provided and current rates as of November 2025. Actual results may vary. Interest rates, tax laws, and regulations are subject to change. Please consult with a qualified financial advisor or tax professional for personalized advice.