Lumpsum Investment Calculator
Calculate future value of one-time lumpsum investment with CAGR
Future value
₹1,76,234
- Invested amount
- ₹1,00,000
- Estimated returns
- ₹76,234
- Future value
- ₹1,76,234
- Absolute return
- 76.23%
- CAGR
- 12.00%
- Duration
- 5 yr
What this calculator does
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.
How it is calculated
FV = PV \times (1 + r)^tWhere FV = future value, PV = present value (lumpsum amount), r = expected annual return rate (decimal), t = investment period in years
Worked example
Invest ₹5,00,000 for 10 years at 12% CAGR
FV = 5,00,000 × (1 + 0.12)^10
₹15,52,924 (Absolute return: 210.58%)
- 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 and compliance notes
- 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)
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