Lumpsum Calculator

Mutual fund investments are divided into two types: lump sum and systematic investment plans (SIP). A lumpsum investment occurs when a depositor invests a large sum of money in a specific mutual fund scheme. SIP refers to the monthly investment of smaller accounts. Both of these mutual fund investment strategies have their advantages. The majority of investors prefer lumpsum investments because there are fewer variables involved and the returns are generally higher. You can use an online mutual fund lumpsum calculator to calculate the expected returns on your lumpsum mutual fund investments.

  • Invested Amount
  • Wealth Gained
  • Invested Amount
  • ₹50000
  • Wealth Gained
  • ₹105291
  • Expected Amount
  • ₹155291

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5paisa online lumpsum calculator uses a specific formula to calculate the returns:
A is the expected return made by the lumpsum investment
P is the present value of the invested amount
r is the rate of return
t is the time duration of the investment
n is the frequency of compound interest in a year

Let us understand this with an example,
Suppose you invested Rs. 15 lakh in a mutual fund scheme that offers 12% annual returns and compounds every six months for five years.

In this case, the estimated future returns are

A = 15,00,000 (1 + 12/2) ^ 2/5

As you can imagine, this is a complex equation that may be beyond the grasp of the majority of new investors. This is where a lumpsum calculator comes in handy, as it can perform this calculation instantly.

The estimated returns at the end of the tenure in this case are Rs. 26,43,513.

A 5paisa mutual fund lumpsum calculator is a computerized tool that performs all of the complex math for you. Typically, an investor must enter the following information into the tool:

- The size of the investment
- The time frame for which they are willing to remain invested
- The expected rate of return that the investor expects a mutual fund scheme to earn.
After entering the above information, the lumpsum calculator will compute the maturity value of the mutual fund investment.

The following are some of the advantages of investing in mutual funds using the lumpsum investment methodology:

- Investing a substantial sum
Investors can invest a significant amount in a mutual fund scheme using this method. As a result, if the market enters a growth phase, the investment value can skyrocket.
- Long-term investments are ideal.
Lumpsum investments can be ideal for those looking to invest in a mutual fund for a longer period of time, say 10-15 years.
- Investing Convenience
An investor does not have to be concerned about investment deadlines or saving enough money each month to invest.

Frequently Asked Questions

A lump sum is defined as a single large sum of money. A lump sum investment is one in which the entire amount is invested all at once.

For example, if an investor wishes to invest his entire available capital in a mutual fund, this is referred to as a lump sum mutual fund investment.

Lump-sum mutual fund investments are typically preferred by prominent players and investors who rely heavily on company stock appreciation for capital creation. A lump sum mutual fund investment can be a good option for an investor with a large investment amount and a high-risk tolerance.

With the 5paisa online lumpsum calculator, you can calculate the maturity value of your investment. In other words, the Lumpsum Calculator predicts the future value of an investment made today at a given interest rate. For example, if you invest 1 lakh rupees for 60 years at 15% interest, the future value of your investments will be a staggering 43.8 crores after 60 years, according to the lumpsum calculator.

The following are some pointers to help you understand the difference between SIP and lumpsum investment:

1. No. of Investment: Lumpsum is one-time investment with a larger sum, whereas SIP is regular, periodic investments with fixed amounts.

2. Cost Averaging: SIP benefits from rupee cost averaging, reducing average cost per unit over time. Lumpsum lacks this advantage.

3. Market Timing: Lumpsum requires timing the market, while SIP eliminates the need by investing at regular intervals.

4. Convenience and Affordability: SIP allows smaller, budget-friendly investments, fostering a disciplined investment habit. Lumpsum may require a larger upfront amount.

5. Risk Management: SIP spreads investments, reducing risk by minimizing the impact of market volatility. Lumpsum carries higher initial risk exposure.


Both of these investment instruments have advantages and disadvantages. A lumpsum investment relieves an investor of the burden of keeping track of the amount to be invested each month as well as the changing NAV, but it may be a significant financial burden at first. SIP does not place a strain on an investor's finances, but it does necessitate more involvement on his or her part.

These days, lump sum mutual fund investments are done online. There are several online platforms, such as 5paisa, where you can invest in all major funds with just a few clicks.

Lumpsum calculators are as accurate as they can be, but you must understand that mutual fund investments are subject to market risks and volatility, so there are chances of discrepancies.