Lumpsum Investment Calculator

A lumpsum is a single rupee amount left to compound. ₹1 lakh at 12% for 10 years becomes about ₹3,10,585 in this annual-compound sketch, with about ₹2,10,585 of model gains. That is how people talk about a bonus parked in an index fund — knowing that 12% is an assumption, not an AMC guarantee.

The cash-flow question

A bonus in Gurugram and a property sale residue in Kochi arrive as lumpsums. SIP culture sometimes shames that fact; the math still matters. IndiaKit uses the same identity as the compound-interest tool but in investment language, so a bonus and a monthly SIP can be compared on the SIP-versus-lumpsum page next.

The maths on this page

A = P(1+r)^t. Defaults: ₹1,00,000, 12%, 10 years → ≈ ₹3,10,585. Equity markets in India can finish a decade far from 12% annualised; debt will usually finish lower.

Entering 12% on a liquid fund is a category error. Match the rate to the asset: 7% for a conservative mix, higher only if you accept equity drawdowns.

Tax on redemption is capital gains, not this page. See the capital-gains tool and incometax.gov.in.

₹1 lakh Diwali bonus in Gurugram for 10 years

Amitabh invests a ₹1,00,000 bonus at a 12% planning rate for 10 years. The lumpsum sketch shows about ₹3.11 lakh. He also runs 8% so a dull decade does not surprise him, then sets a reminder to check expense ratios on the scheme page.

What a bank still has to confirm

Annual compounding, no SIP inflows, no tax, no expense ratio. Not advice to buy any scheme.

Common questions

Should I wait for a market dip instead?

This page cannot time the NSE. A lumpsum in a diversified fund is a choice about cash you already have. SIPs are for cash that arrives monthly.

How is this different from compound interest?

Same formula, different story. Compound interest is classroom/FD language. Lumpsum is investment language for a one-time amount.

Can I add yearly top-ups?

Not here. Use SIP (monthly) or PPF (annual contribution) tools for repeating flows.