Lumpsum Calculator
What a single investment could become if held for the full term, with the true CAGR on the money. Useful for a bonus, a maturing deposit or an inheritance.
Maturity value
₹3,10,585
after 10 years at the return you assumed
You invest
₹1,00,000
Estimated gains
₹2,10,585
Absolute return
210.6%
total gain on money in
Annualised (CAGR)
12%
money held throughout
How it builds up
- Invested32.2%
- Gains67.8%
Maturity value
₹3,10,585
Gains
₹2.11 L
What the number above does not tell you
A maturity figure is only half the picture. These are the terms attached to it.
- Risk
- High
- Guaranteed by
- None — returns depend entirely on market performance
- Lock-in
- None, except ELSS funds (3 years)
- Liquidity
- High — redeemable on any business day
- Tax treatment
- Equity: 12.5% LTCG above ₹1.25 lakh a year after 12 months. Debt: taxed at your slab rate.
Worth weighing before you commit
- A lump sum carries timing risk a SIP does not: invest everything the day before a correction and you carry that loss for years.
- The CAGR shown is a smoothed average. No investment actually grows at a constant rate.
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Please note: this is a calculator, not financial advice, and we are not an adviser, broker or distributor. The figures are arithmetic on the inputs you supply. The return you enter is an assumption; past performance does not predict future returns and no market investment guarantees a result. Taxation depends on your own circumstances and on rules that change. For a decision of any size, speak to a SEBI-registered investment adviser or a qualified chartered accountant.