What is a lumpsum investment?

A lumpsum investment is a one-time, single investment made in a mutual fund, as opposed to periodic SIP investments.

What formula is used?

FV = P × (1 + r)^n where P = principal, r = annual rate/100, n = years.

Lumpsum Calculator – One-Time Mutual Fund Investment Returns

Calculate estimated returns for a one-time mutual fund or investment using compound interest. Enter principal, rate, and duration to see maturity value.

Lumpsum Calculation Formula

Unlike SIP, lumpsum is a single investment. The formula: FV = P × (1 + r)ⁿ where P = principal, r = annual return rate / 100, n = years.

Example: ₹1,00,000 at 12% for 10 years → ₹1,00,000 × (1.12)¹⁰ ≈ ₹3,10,585.

SIP vs Lumpsum — which is better?

SIP averages purchase cost over time (rupee-cost averaging), reducing market timing risk. Lumpsum is better when markets are low and you have a large corpus ready.

⚠️ Disclaimer: Results are illustrative. Mutual fund investments are subject to market risks. Consult a SEBI-registered advisor. Source: AMFI India, SEBI.

Last Updated: June 2025 · Reviewed by Wolf Office Tools Editorial Team

💰 Lumpsum Calculator

Lumpsum Calculation Formula

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