What is the difference between a lumpsum and a SIP?

A lumpsum is a single one-time investment, while a SIP invests a fixed amount at regular intervals. A SIP can help average the purchase cost over time, while a lumpsum exposes the full amount to market conditions from the start. Both carry market risk.

What expected return should I enter?

The rate you enter is an assumption for illustration only. There is no single correct figure, and real returns fluctuate. A consultation can help you choose an assumption aligned with your goals, horizon and risk comfort.

Can Bappaditya help me with a lumpsum investment?

Yes. Bappaditya offers a free, no-obligation consultation to understand your goals and risk comfort before you invest. Please read all scheme-related documents carefully before investing.

Mutual Funds & SIP · Calculator

Lumpsum Calculator

Q: Are the returns shown by the lumpsum calculator guaranteed?

No. Returns shown are illustrative estimates only. Mutual fund investments are subject to market risks and actual returns may vary. Past performance is not indicative of future results, and no returns are guaranteed or assured.

Estimate the future value of a one-time investment over your chosen period and expected annual return. Instant, browser-based and easy to use on mobile.

Initial investment

₹

Investment period

years

Expected annual return

% p.a.

Illustrative only. Actual returns depend on market conditions.

Initial investment₹1,00,000

Estimated returns₹2,10,585

Estimated future value₹3,10,585

Returns shown are illustrative estimates only. Mutual fund investments are subject to market risks and actual returns may vary. Past performance is not indicative of future results, and no returns are guaranteed or assured.

How to use this lumpsum calculator and what your results mean

A lumpsum investment is a single amount invested at one time, rather than spread across monthly SIPs. The calculator shows your initial investment, the estimated returns and the estimated future value, compounded annually at the rate you enter. The future value indicates what your money could grow to if the assumed return were achieved every year — a planning benchmark, not a promise.

Time and expected return are the two levers. A longer horizon gives compounding more years to work, and the effect grows sharply: the difference between 10 and 20 years is far larger than between 1 and 2. A higher assumed rate raises the future value, but real mutual fund returns fluctuate year to year and are never guaranteed. A lumpsum also carries timing risk, since the entire amount is exposed to market movements from day one.

For planning, match the horizon to the goal the money is meant for, use conservative return assumptions, and consider spreading a large amount through a SIP if market timing concerns you. The figures shown are nominal — inflation, taxes and scheme expenses reduce the amount you actually receive.

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