Calculate your one-time investment returns
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Future Value = Principal x (1 + Rate/100)^Years
Example: Rs 10 Lakh at 12% for 10 years = 10 x 1.12^10 = Rs 31.06 Lakh
Lumpsum is better when:
SIP is better when:
Use our SIP Calculator for systematic investment planning.
The key takeaway: time in the market matters more than timing the market. Rs 10 Lakh invested at age 25 at 12% becomes Rs 3.1 Crore at age 55. The same Rs 10 Lakh invested at age 35 becomes only Rs 96 Lakh. The 10-year head start triples the outcome.

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FAQ about Lumpsum Calculator
A lumpsum investment is a one-time investment of a large amount, as opposed to SIP where you invest fixed amounts regularly. It works best when you have a large sum available and markets are favorable.
Neither is universally better. Lumpsum can deliver higher returns in rising markets since the full amount is invested from day one. SIP reduces timing risk in volatile markets. Most advisors recommend a combination.
Equity mutual funds have historically returned 12-15% annually over 10+ years in India. Debt instruments return 6-8%. Actual returns depend on market conditions and asset selection.
Best times for lumpsum: market corrections (when prices are low), when you receive a bonus or windfall, when you have a long investment horizon (10+ years) that smooths out short-term volatility.