Calculators

Lumpsum Calculator

Project how a one-time investment grows with compounding — ideal for bonus amounts, inheritances, or large capital.

💰 Lumpsum Calculator
Investment Amount (₹)₹1,00,000
Expected Annual Return (%)12%
Investment Period (Years)10 yrs
Maturity Value
₹3,10,585
₹1,00,000 invested at 12% p.a. for 10 years
Amount Invested₹1,00,000
Estimated Returns₹2,10,585
CAGR12.0%
Wealth Multiplier3.1x
Principal
Returns

Lumpsum Tips & Insights

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Invest on Dips

Lumpsum investments work best when markets are corrected. Investing at market highs increases risk; stagger large amounts over 3–6 months via STPs if unsure.

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Reinvest Dividends

Choose Growth option over Dividend option to maximise compounding. Dividends are taxed as income, while LTCG on growth units above ₹1.25 lakh is taxed at 12.5%.

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STP Strategy

Park large funds in a liquid fund and use a Systematic Transfer Plan (STP) to move funds into equity monthly — combining safety with rupee cost averaging.

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