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Lumpsum Calculator

Updated on October 1, 2022 , 9012 views

Lumpsum calculator helps investors to check how their lumpsum investment grows over a given timeframe. In lumpsum mode of investment, people invest a considerable amount as a one-time down payment in the scheme. Whenever, we talk about Mutual Fund Investment, the first thing that rings on our mind is, “How much amount do we need to invest?” Though there are many questions related to expected returns, risk-appetite, the investment tenure, and so on yet; the first thought that always rings our ears is the investment amount.

Lump-Sum-Calculator

So, let us see how the lumpsum calculator helps to assess the growth of one-time investment in Mutual Funds.

Lumpsum Calculator Illustration

Calculate the returns on your lumpsum investment with the help of the following data.

Investment Tenure: 5 Years

Lumpsum Investment Amount: ₹10,000

Long-term Inflation (%): 5 (approx.)

Long-term Returns (%): 16 (approx.)

Expected Returns as per Lumpsum Calculator: ₹6,851

Total Amount After 5 Years: ₹16,851

Know Your Lumpsum Amount

   
My Goal Amount:
Goal Tenure:
Years
Expected Annual Returns:
%

₹10,000 one time (Lumpsum)  for 5 Years
to achieve ₹16,851
Invest Now

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Top 10 Performing Mutual Funds in 2018 for Lumpsum Investment

FundNAVNet Assets (Cr)Min Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2021 (%)
Sundaram Rural and Consumption Fund Growth ₹63.1731
↓ -0.81
₹1,247 5,000 16.412.28.7169.319.3
Franklin Asian Equity Fund Growth ₹22.2804
↓ -0.07
₹280 5,000 -11.4-16.9-250.70.9-5.9
Franklin Build India Fund Growth ₹66.1091
↓ -0.91
₹1,174 5,000 12.63.73.118.911.745.9
DSP BlackRock Natural Resources and New Energy Fund Growth ₹49.569
↑ 0.47
₹711 1,000 6.7-14.3-7.217.37.642.8
DSP BlackRock Equity Opportunities Fund Growth ₹349.56
↓ -3.50
₹7,092 1,000 10.41.3-3.916.610.931.2
DSP BlackRock US Flexible Equity Fund Growth ₹37.1445
↑ 0.01
₹692 1,000 -0.3-12.2-713.412.124.2
L&T Emerging Businesses Fund Growth ₹46.528
↓ -0.31
₹8,395 5,000 13.62.28.22813.477.4
L&T India Value Fund Growth ₹56.362
↓ -0.58
₹7,834 5,000 11.4-3.4-0.918.69.840.3
IDFC Infrastructure Fund Growth ₹23.933
↓ -0.26
₹657 5,000 14.93.51.3207.364.8
Tata India Tax Savings Fund Growth ₹27.982
↓ -0.26
₹3,119 500 10.2-1.81.515.910.930.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Oct 22

Understanding Lumpsum Calculator

Individuals who are new to investment, find it difficult to understand the concept of lumpsum calculator and its functioning. Therefore, to ease out the complexities, the detailed information about the calculation is given. Go through this information to understand the process. The input data that needs to be fed in the lumpsum calculator includes:

  1. The tenure of lumpsum investment
  2. The amount of money is being invested through lumpsum mode
  3. Expected rate of returns in the long-term from equity markets
  4. Expected annual inflation rate

How does it Works?

Any investment objective always requires an effective planning. Though people may select the best schemes based on its past performance and other related factors however; it is with the help of this lumpsum calculator that helps the people to decide on how their investment grows virtually over a time period. As mentioned previously, the input elements of this calculator includes tenure of investment, amount invested, and others. So, let us see how the calculation works with the example given below.

Lumpsum Investment Amount: ₹25,000

Investment Period: 5 Years

Expected Returns (%) (Approx.): 15

Expected Inflation (%) (Approx.): 5

1. Enter Your Lumpsum Investment Amount and Investment Tenure

This is the first question you need to ask, that how much amount do I need to invest so that I can attain my objective. Along with the same, also specify the tenure of investment. So, with the help of amount mentioned about of ₹25,000 and tenure of 5 years, the image is given below as follows. Here, after entering the investment amount and tenure, you need to click on Next Button which is at the bottom of the screen as shown in the image.

Step_1

2. Enter Expected Long-term Growth on Your Investment

This is the second question you need to answer. Here, you need to enter the expected rate of returns on the lumpsum investment. For example, let’s assume the rate of returns in this case to be 15%. The image for the same is listed below as follows. After, entering the expected rate of returns, you need to click on Next Button which is as shown in the given below.

Question_2

3. Adjust for Inflation

Once you enter the percentage of returns expected, and click next, then you get the result. Here, you need to select the box near Adjust for Inflation and enter the long-term inflation rate. In our example, we have taken the inflation rate to be 5%. Once you enter the inflation rate then; you the investment value. The image for this step is as follows.

4. End Result

Result

Therefore, we can conclude that, at the end of fifth year, the net profit on the investment is ₹15,263 and the total investment value is ₹40,263.

Thus, from the above mentioned steps, we can see that it is simple to use the Fincash Lumpsum calculator.

In case of further queries, feel free to contact our customer care department.

Top Funds for 2022

*Best funds based on 3 year performance.

1. ICICI Prudential Smallcap Fund

(Erstwhile ICICI Prudential Indo Asia Equity Fund)

ICICI Prudential Indo Asia Equity Fund is an OE equity scheme that seeks to generate long term capital appreciation by investing in equity, equity related securities and or share classes/units of equity funds of companies, which are incorporated or have their area of primary activity, in the Asia Pacific region. Initially the Scheme will invest in share classes of International Opportunities Fund Asian Equity Fund and thereafter the Fund Manager of the Indo Asia Equity Fund may choose to make investment in listed equity shares, securities in the Asia Pacific region. However, there can be no assurance that the investment objective of the Scheme will be realized.

ICICI Prudential Smallcap Fund is a Equity - Small Cap fund was launched on 18 Oct 07. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 11.9% since its launch.  Ranked 26 in Small Cap category.  Return for 2021 was 61% , 2020 was 22.8% and 2019 was 10% .

Below is the key information for ICICI Prudential Smallcap Fund

ICICI Prudential Smallcap Fund
Growth
Launch Date 18 Oct 07
NAV (03 Oct 22) ₹53.45 ↓ -0.33   (-0.61 %)
Net Assets (Cr) ₹4,138 on 31 Aug 22
Category Equity - Small Cap
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 2.1
Sharpe Ratio 0.61
Information Ratio 0.32
Alpha Ratio 6.74
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 17₹10,000
30 Sep 18₹8,750
30 Sep 19₹9,481
30 Sep 20₹9,969
30 Sep 21₹19,212
30 Sep 22₹20,685

ICICI Prudential Smallcap Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579
Invest Now

Returns for ICICI Prudential Smallcap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Oct 22

DurationReturns
1 Month -0.3%
3 Month 10.6%
6 Month 4.2%
1 Year 6.7%
3 Year 30.2%
5 Year 15.4%
10 Year
15 Year
Since launch 11.9%
Historical performance (Yearly) on absolute basis
YearReturns
2021 61%
2020 22.8%
2019 10%
2018 -22.4%
2017 42.7%
2016 6%
2015 0.5%
2014 50.6%
2013 8.8%
2012 26%
Fund Manager information for ICICI Prudential Smallcap Fund
NameSinceTenure
Harish Bihani5 Nov 183.82 Yr.
Sharmila D’mello30 Jun 220.17 Yr.

Data below for ICICI Prudential Smallcap Fund as on 31 Aug 22

Equity Sector Allocation
SectorValue
Industrials23.29%
Consumer Cyclical18.32%
Financial Services8.64%
Health Care7.75%
Basic Materials5.79%
Technology5.62%
Real Estate4.97%
Consumer Defensive4.87%
Communication Services4.33%
Asset Allocation
Asset ClassValue
Cash14.48%
Equity85.52%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Rolex Rings Ltd (Industrials)
Equity, Since 31 Jul 21 | 543325
4%₹162 Cr872,682
↑ 38,215
INOX Leisure Ltd (Communication Services)
Equity, Since 31 Oct 18 | 532706
4%₹145 Cr2,874,912
↓ -20,000
KEI Industries Ltd (Industrials)
Equity, Since 31 Jan 20 | 517569
3%₹145 Cr983,729
↓ -128,071
CCL Products (India) Ltd (Consumer Defensive)
Equity, Since 31 Jul 19 | 519600
3%₹137 Cr2,852,588
↑ 203,346
Mahindra Lifespace Developers Ltd (Real Estate)
Equity, Since 31 Aug 19 | 532313
3%₹132 Cr2,552,249
↓ -954,415
V-Mart Retail Ltd (Consumer Cyclical)
Equity, Since 31 Jul 19 | 534976
3%₹131 Cr450,040
Cyient Ltd (Industrials)
Equity, Since 31 Aug 18 | CYIENT
3%₹124 Cr1,465,279
Jamna Auto Industries Ltd (Consumer Cyclical)
Equity, Since 30 Apr 21 | 520051
3%₹110 Cr9,380,001
↓ -8,233
Mold-tek Packaging Ltd (Consumer Cyclical)
Equity, Since 31 Dec 21 | 533080
3%₹108 Cr1,147,078
Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 30 Jun 19 | MCX
3%₹108 Cr835,046

2. IDBI Small Cap Fund

The Investment objective of the Scheme is to provide investors with the opportunities for long-term capital appreciation by investing predominantly in Equity and Equity related instruments of Small Cap companies. However there can be no assurance that the investment objective under the Scheme will be realized.

IDBI Small Cap Fund is a Equity - Small Cap fund was launched on 21 Jun 17. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 12.3% since its launch.  Return for 2021 was 64.7% , 2020 was 19% and 2019 was -4.4% .

Below is the key information for IDBI Small Cap Fund

IDBI Small Cap Fund
Growth
Launch Date 21 Jun 17
NAV (03 Oct 22) ₹18.42 ↓ -0.13   (-0.70 %)
Net Assets (Cr) ₹143 on 31 Aug 22
Category Equity - Small Cap
AMC IDBI Asset Management Limited
Rating Not Rated
Risk Moderately High
Expense Ratio 2.51
Sharpe Ratio 0.9
Information Ratio 0.19
Alpha Ratio 12.53
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 17₹10,000
30 Sep 18₹9,209
30 Sep 19₹8,903
30 Sep 20₹8,992
30 Sep 21₹16,275
30 Sep 22₹18,330

IDBI Small Cap Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684
Invest Now

Returns for IDBI Small Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Oct 22

DurationReturns
1 Month -2.6%
3 Month 16.4%
6 Month 4.3%
1 Year 11.2%
3 Year 27.8%
5 Year 12.7%
10 Year
15 Year
Since launch 12.3%
Historical performance (Yearly) on absolute basis
YearReturns
2021 64.7%
2020 19%
2019 -4.4%
2018 -15%
2017
2016
2015
2014
2013
2012
Fund Manager information for IDBI Small Cap Fund
NameSinceTenure
Alok Ranjan16 Aug 211.04 Yr.

Data below for IDBI Small Cap Fund as on 31 Aug 22

Equity Sector Allocation
SectorValue
Industrials39.37%
Basic Materials20.33%
Consumer Cyclical19.47%
Technology5.43%
Financial Services3.75%
Health Care2.9%
Consumer Defensive2.84%
Communication Services2.26%
Real Estate1.59%
Asset Allocation
Asset ClassValue
Cash2.05%
Equity97.95%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Elgi Equipments Ltd (Industrials)
Equity, Since 31 Aug 20 | 522074
7%₹10 Cr198,201
Fine Organic Industries Ltd Ordinary Shares (Basic Materials)
Equity, Since 29 Feb 20 | 541557
5%₹7 Cr10,935
Grindwell Norton Ltd (Industrials)
Equity, Since 31 Mar 18 | 506076
5%₹7 Cr30,350
KEI Industries Ltd (Industrials)
Equity, Since 31 Dec 17 | 517569
4%₹6 Cr43,415
Timken India Ltd (Industrials)
Equity, Since 31 Oct 17 | 522113
4%₹6 Cr20,146
Tube Investments of India Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Jul 19 | 540762
4%₹6 Cr24,426
Greenpanel Industries Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 29 Feb 20 | 542857
4%₹5 Cr117,108
Navin Fluorine International Ltd (Basic Materials)
Equity, Since 30 Sep 19 | 532504
4%₹5 Cr12,035
KNR Constructions Ltd (Industrials)
Equity, Since 30 Jun 20 | 532942
3%₹4 Cr165,700
Narayana Hrudayalaya Ltd (Healthcare)
Equity, Since 31 Mar 20 | NH
3%₹4 Cr59,381

3. Sundaram Small Cap Fund

(Erstwhile Sundaram SMILE Fund)

To primarily achieve capital appreciation by investing in diversified stocks that are generally termed as small and mid-caps and by investing in other equities.

Sundaram Small Cap Fund is a Equity - Small Cap fund was launched on 15 Feb 05. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 16.5% since its launch.  Ranked 19 in Small Cap category.  Return for 2021 was 60.3% , 2020 was 26.2% and 2019 was -6.1% .

Below is the key information for Sundaram Small Cap Fund

Sundaram Small Cap Fund
Growth
Launch Date 15 Feb 05
NAV (03 Oct 22) ₹148.138 ↓ -0.17   (-0.11 %)
Net Assets (Cr) ₹2,044 on 31 Aug 22
Category Equity - Small Cap
AMC Sundaram Asset Management Company Ltd
Rating
Risk Moderately High
Expense Ratio 2.35
Sharpe Ratio 0.26
Information Ratio -0.07
Alpha Ratio 1.32
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 17₹10,000
30 Sep 18₹8,166
30 Sep 19₹7,755
30 Sep 20₹8,118
30 Sep 21₹15,333
30 Sep 22₹15,594

Sundaram Small Cap Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859
Invest Now

Returns for Sundaram Small Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Oct 22

DurationReturns
1 Month -0.6%
3 Month 14.3%
6 Month 0.5%
1 Year 1.6%
3 Year 27.1%
5 Year 9.2%
10 Year
15 Year
Since launch 16.5%
Historical performance (Yearly) on absolute basis
YearReturns
2021 60.3%
2020 26.2%
2019 -6.1%
2018 -29.2%
2017 55.6%
2016 -0.1%
2015 7.8%
2014 108.7%
2013 -5%
2012 44.8%
Fund Manager information for Sundaram Small Cap Fund
NameSinceTenure
Ravi Gopalakrishnan1 Jan 220.67 Yr.
Sudhir Kedia1 Jan 220.67 Yr.

Data below for Sundaram Small Cap Fund as on 31 Aug 22

Equity Sector Allocation
SectorValue
Financial Services23.03%
Consumer Cyclical20.97%
Industrials20.63%
Technology10.32%
Health Care7.03%
Basic Materials6.23%
Consumer Defensive4.35%
Real Estate1.75%
Communication Services1.7%
Asset Allocation
Asset ClassValue
Cash3.99%
Equity96.01%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
KSB Ltd (Industrials)
Equity, Since 31 May 14 | 500249
3%₹69 Cr362,000
↓ -10,310
Can Fin Homes Ltd (Financial Services)
Equity, Since 30 Sep 20 | 511196
3%₹66 Cr1,046,412
KPIT Technologies Ltd (Technology)
Equity, Since 30 Apr 19 | 542651
3%₹62 Cr1,100,000
Westlife Development Ltd (Consumer Cyclical)
Equity, Since 31 Jul 19 | 505533
3%₹53 Cr824,354
Ashok Leyland Ltd (Industrials)
Equity, Since 31 Jan 22 | 500477
3%₹53 Cr3,440,000
Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 31 Mar 22 | 532497
2%₹50 Cr475,000
↑ 42,000
Tube Investments of India Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 28 Feb 19 | 540762
2%₹49 Cr218,000
KEI Industries Ltd (Industrials)
Equity, Since 31 Dec 21 | 517569
2%₹48 Cr327,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 21 | ICICIBANK
2%₹47 Cr534,956
Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 30 Jun 20 | MCX
2%₹40 Cr314,000

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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