What is a Lumpsum Calculator?
A Lumpsum Calculator estimates the future value of a one-time mutual fund or equity investment. Unlike SIP which involves regular contributions, lumpsum investing puts your entire investible amount to work immediately, giving full market exposure from day one.
Benefits of Using Rupee Logic Lumpsum Calculator
Instant Growth View
See how a one-time investment of any size compounds over years at different return rates.
Growth Multiplier
Instantly know how many times your money will grow — the wealth multiplier of your investment.
Compare with SIP
Use alongside our SIP calculator to decide whether lumpsum or SIP suits your specific situation.
Goal Planning
Work backwards from a target corpus to know what lumpsum you need to invest today.
Frequently Asked Questions — Lumpsum Calculator
Lumpsum is better when: markets are at a significant low or after a major correction; you have received a windfall such as bonus, inheritance, or property sale proceeds; you have a very long horizon of 15+ years where timing matters less. SIP is better for regular income earners as it averages out purchase cost through rupee cost averaging.
Over 10+ year periods, Indian equity markets (Nifty 50) have delivered 12-15% CAGR. For conservative planning, assume 10-12%. ₹1 lakh invested in Nifty 50 in 2004 would be approximately ₹20-22 lakh today — roughly 14% CAGR over 20 years. Always use conservative assumptions for goal-based planning.
Gains from equity mutual funds held for more than 1 year are Long-Term Capital Gains, taxed at 12.5% above ₹1.25 lakh annually (Budget 2024). Held for less than 1 year — Short-Term Capital Gains at 20%. For debt funds, gains are taxed at your income slab rate regardless of holding period (post April 2023 amendment).
Most mutual funds accept a minimum lumpsum of ₹1,000 to ₹5,000. Index funds often have minimums of ₹100-500. There is no maximum limit. You can invest any amount in direct plans through AMC websites or platforms like Zerodha, Groww, or Kuvera with zero commission.
Consider a hybrid approach: use 30-40% of your bonus as lumpsum for immediate market exposure and invest the rest in a short-duration debt fund, then STP it weekly into an equity fund over 3-6 months. This balances lumpsum upside with SIP averaging. Avoid trying to time the market with your entire bonus at once.