Kaizen Financial ServicesLumpsum Calculator
Illustrative estimate only. Mutual funds are subject to market risks and returns are not guaranteed. Loan terms are decided by the lender.
How this calculator works
Worked example
Investing ₹5,00,000 once for 10 years at an assumed 12% a year gives an estimated future value of about ₹15,52,924, which is roughly ₹10,52,924 of estimated growth.
Frequently asked questions
What is a lumpsum investment?
A lumpsum investment means putting a larger amount into a mutual fund in one go instead of investing monthly. It suits people who receive a bonus, maturity amount or sale proceeds and want the money invested for a long period.
Is lumpsum better than SIP?
It depends on the market level and your cash flow. A lumpsum can do well if invested when valuations are low, but it carries timing risk. A SIP spreads that risk over months. Many investors park a windfall in a debt fund and move it gradually through a Systematic Transfer Plan.
Why does the calculator assume annual compounding?
Mutual fund returns are usually quoted as annual figures, so annual compounding gives a simple, standard estimate. Actual returns fluctuate daily with the fund's NAV and will not be a smooth percentage each year.
Are mutual fund returns guaranteed?
No. Mutual funds are subject to market risks and returns are not guaranteed. The calculator is a planning aid that shows what an assumed return could produce, not what a fund will deliver.