💰 Lumpsum Investment Calculator India — One-Time Investment Returns

Calculate how a one-time investment grows over time at various CAGR rates with inflation-adjusted returns and year-by-year table.

Investment amount (₹)

₹

Investment period

yrs

Expected CAGR (%)

Inflation (%)

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Projection table

What is a Lumpsum Investment Calculator?

A lumpsum investment is a one-time, single payment invested into mutual funds, stocks, FDs, or any other instrument. Unlike SIP where you invest monthly, lumpsum is ideal when you have received a large amount — bonus, inheritance, property sale proceeds, or a tax refund — and want to deploy it immediately.

For long-term goals (5+ years), lumpsum investments in equity tend to outperform SIP when deployed at the right time (market corrections, dips). However, for most investors without market timing ability, SIP remains better for regular monthly deployment.

How is it calculated?

Lumpsum growth uses the compound interest formula:

Maturity = Principal × (1 + CAGR)^Years

Example: ₹10 lakh invested at 12% CAGR for 15 years:
• Maturity = ₹10L × (1.12)^15 = ₹54.7 lakh
• Returns = ₹44.7 lakh on ₹10L investment (447% gain)

The Rule of 72: Divide 72 by the CAGR to find how many years it takes to double.
• At 12% CAGR: doubles every 6 years
• At 6%: doubles every 12 years

How to use this calculator

1. Enter your investment amount — the one-time lumpsum to invest
2. Enter investment period — how many years you will stay invested
3. Set expected CAGR — 11-13% for Nifty 50 index funds, 7-8% for FDs
4. Set inflation — to see real (inflation-adjusted) returns
5. Calculate to see maturity value, total returns, and inflation-adjusted real value

Benefits

• Compare returns: See exactly how much more equity gives vs FD for the same lumpsum
• Rule of 72: Instantly see how long to double your money at any CAGR
• Inflation-adjusted: See your real purchasing power gain, not just nominal growth
• Year-by-year table: Track your wealth growth every single year

Frequently asked questions

When should I invest lumpsum vs SIP?▾

Invest lumpsum when markets have fallen 15-20%+ from peak (valuations are low). For regular monthly salary, SIP is always better. If you received a bonus, consider deploying 50% as lumpsum and 50% via SIP over 6-12 months.

What is CAGR and how is it different from absolute returns?▾

CAGR is Compound Annual Growth Rate — the year-over-year growth rate that would take you from the starting value to the ending value. Absolute return = (Final − Initial)/Initial. A 100% absolute return over 10 years = 7.18% CAGR, not 10%.

Which mutual fund is best for lumpsum investment?▾

Index funds (Nifty 50 or Nifty 500) are ideal for lumpsum as they are diversified and low-cost. Avoid timing the market — if investing for 10+ years, the entry point matters much less. Consider ELSS if 80C deduction is also needed.

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