Lumpsum Calculator
Calculate the future value of your one-time mutual fund or equity investment.
Lumpsum Calculator
Estimate returns on a one-time investment in mutual funds, ETFs or stocks
Lumpsum Summary
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How Lumpsum Returns are Calculated
A lumpsum investment involves deploying a substantial capital amount in one single transaction. The entire principal remains invested for the full tenure, compounding continuously.
A = Estimated maturity value
P = One-time lump sum amount invested (₹)
r = Expected annual rate of return (%)
n = Number of investment years
Frequently Asked Questions
When is the best time to invest a lump sum in mutual funds?
Lump sum investments yield optimal returns during market corrections or fair valuations. If the market is at all-time highs, investors often choose a Systematic Transfer Plan (STP) from a liquid fund to equity funds over 6–12 months.
How are lumpsum equity mutual fund profits taxed?
Gains realized within 1 year are taxed at 20% (STCG). Gains held for over 1 year are taxed at 12.5% (LTCG) on profits exceeding ₹1.25 lakh per financial year.