Lumpsum Calculator

Calculate your Lumpsum returns.

Total Investment

₹500
₹50,00,000

Expected Return Rate

%
1 %
50%

Time Period

Yrs
1 yr
30 yrs

What is Lumpsum Calculator

Lump sum calculator helps the investor to estimate the returns that will be made by a lump sum mutual fund investment. A lump sum calculator helps to calculate the maturity amount for a given lump sum investment made today. It shows the probable wealth gain during the tenure of investment for the amount invested at the beginning of the period.

Just enter the amount you are willing to invest, expected rate of return per annum you think the investment will generate and the time period (in years) you are willing to stay invested.

For example, let’s say that you plan to invest ₹1 lakh for a period of 30 years and expect a return of 12% per annum. The online calculator will calculate the return generated i.e ₹28,95,992 and the maturity amount i.e. ₹29,95,992.

Please note that the expected returns is just an estimation based on the figures entered and does not assure the values calculated. Actual returns might vary depending on the performance of the mutual fund.

Frequently Asked Questions

How does the Lump Sum Calculator work?

The lump sum calculator indicates the future value of your investment made today at a certain rate of interest. In the lump sum calculator, you need to enter the amount you are willing to invest, expected rate of return per annum you think the investment will generate and the time period (in years) you are willing to stay invested. After entering the above  values, the lump sum calculator will give you the future value of your investments. For example, If you want to invest ₹1 lakh for 30 years at 12% rate of interest then according to the lump sum calculator, the future value of your investments will be around ₹30 lakhs after 30 years. Find the lump sum calculator here: https://upstox.com/calculator/sip/

What is the difference between lump sum and SIP?

Lump sum is a one-time bulk investment, whereas in an Systematic Investment Plan (SIP), investments are done periodically at regular intervals SIP . A lump sum investing approach in mutual funds tends to do well in a rising market and prevailing market conditions play an important role. On the other hand, in an SIP investment one need not worry about market conditions since it averages the cost of the units over time. One can choose SIP or lump sum for investment in mutual funds based on one’s investment objectives.

Can I convert lump sum to SIP?

A lump sum investment can be easily converted into an SIP. This can be done through the platform you are using to invest. You need to set up an SIP through that platform and start investing at periodic intervals.

Which is better: SIP or lump sum?

Lump sum investments are most beneficial when you invest during a market low. However, with SIPs, you have the chance to enter during different market cycles. Investors do not have to watch market movements as closely as they would for lump-sum investments. Choosing an SIP over a lump sum investment should be based on your personal requirements. Factors such as income, financial stability, investment goals, and risk appetite determine the route of investment. SIPs usually help to tide over market fluctuations in the long run, whereas a lump sum investment done over a longer period helps generate compounding rate of returns.

What is the minimum amount needed for lumpsum investment?

Most mutual funds allow lumpsum investment starting from ₹5,000. However, there are a few mutual funds that allow lump sum investment starting at ₹1,000.

Is lump sum investment subject to market risk?

Mutual funds in general are subject to market risks, whether it’s a lump sum investment or an SIP investment. It is important to read offer-related documents carefully before investing.

How does a lump sum investment work?

Lump sum investment allows the investor to purchase a substantial number of units at one go. Market timing plays an important role for a lump sum investment. However, given a longer time frame, a lump sum investment is capable of generating compounding returns.

Can I make a lump sum investment every month?

A lump sum investment is a one-time investment where you purchase the units at a fixed price. However, if you wish to invest every month, it is better to opt for SIP investing where a fixed amount of money is invested at regular intervals over a period of time.

How do I make a lump sum investment with Upstox?

Go to the ‘Discover’ tab from the bottom navigation bar and scroll left to right and click on ‘Mutual Funds – Explore Funds or Your Portfolio’ from the Mutual Funds section. Once you click on ‘Explore funds/ Your Portfolio’ you will be directed to the upstox.com/mutual funds page. Once you select the fund, you will see options such as ‘Start SIP’ or ‘One Time’ or both. To make a one-time lump sum investment, click on the ‘One Time’ option. Here, you need to enter the amount that you wish to invest in that particular fund. Then, click on ‘Review’. Once you have reviewed your order click on ‘Place Order’ to make your one-time investment. After this, it will show you a confirmation message on the screen. For more details, click here.

How is the Upstox lump sum calculator better than other calculators?

Upstox lump sum calculator is easy to use. One can check the future value of investments within seconds by just putting in the required variables like initial investment, rate of interest and period. One can also try different permutations and combinations of these three variables to see the change in the future value of investments. You can check them out here: https://upstox.com/calculator/sip/

Disclaimer :
This calculator is meant to be used for indicative purposes only. It is designed to assist you in determining the appropriate amount of prospective investments. This calculator alone is not sufficient and shouldn’t be used for the development or implementation of any investment strategy. Upstox does not take the responsibility/liability nor does it undertake the authenticity of the figures calculated therein. Upstox makes no warranty about the accuracy of the calculators/reckoners. The examples do not claim to represent the performance of any security or investments. In view of the individual nature of tax consequences, each investor is advised to consult his/her own professional tax advisor before making any investment decisions on the basis of the results provided through the use of this calculator.