+91-22-48913909Lumpsum Calculator
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.
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
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Fund Selection Methodology used to find 10 funds
Top 10 Performing Mutual Funds in 2018 for Lumpsum Investment
Fund NAV Net Assets (Cr) Min Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) DSP Natural Resources and New Energy Fund Growth ₹112.663
↑ 0.71 ₹2,044 1,000 5.8 17.6 32.7 24.4 19.3 17.5 DSP Equity Opportunities Fund Growth ₹609.741
↓ -0.13 ₹15,780 1,000 -3.6 -3.8 2.2 18.8 15.1 7.1 DSP US Flexible Equity Fund Growth ₹87.4256
↓ -0.40 ₹1,055 1,000 8.2 18.9 66.6 26.7 16.9 33.8 Bandhan Infrastructure Fund Growth ₹49.085
↑ 0.02 ₹1,278 5,000 7.6 -2.7 3.6 23.4 21.6 -6.9 Tata India Tax Savings Fund Growth ₹45.3598
↑ 0.15 ₹4,091 500 1.5 -1.4 8 16 14.1 4.9 Aditya Birla Sun Life Banking And Financial Services Fund Growth ₹61.6
↑ 0.12 ₹3,155 1,000 -3.3 -2.8 4 14.6 12.7 17.5 Aditya Birla Sun Life Small Cap Fund Growth ₹89.1451
↑ 0.50 ₹4,449 1,000 9.2 1.9 13.8 19.6 15.3 -3.7 Axis Focused 25 Fund Growth ₹51.64
↑ 0.15 ₹9,967 5,000 -1.5 -9.1 -2.4 10.4 6 2.5 Kotak Standard Multicap Fund Growth ₹84.14
↑ 0.12 ₹50,146 5,000 -3.3 -4 4.9 15.4 13.1 9.5 Motilal Oswal Multicap 35 Fund Growth ₹56.533
↑ 0.14 ₹11,679 5,000 -2.2 -10.5 -1.9 20.1 12.4 -5.6 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Apr 26 Research Highlights & Commentary of 10 Funds showcased
Commentary DSP Natural Resources and New Energy Fund DSP Equity Opportunities Fund DSP US Flexible Equity Fund Bandhan Infrastructure Fund Tata India Tax Savings Fund Aditya Birla Sun Life Banking And Financial Services Fund Aditya Birla Sun Life Small Cap Fund Axis Focused 25 Fund Kotak Standard Multicap Fund Motilal Oswal Multicap 35 Fund Point 1 Bottom quartile AUM (₹2,044 Cr). Top quartile AUM (₹15,780 Cr). Bottom quartile AUM (₹1,055 Cr). Bottom quartile AUM (₹1,278 Cr). Lower mid AUM (₹4,091 Cr). Lower mid AUM (₹3,155 Cr). Upper mid AUM (₹4,449 Cr). Upper mid AUM (₹9,967 Cr). Highest AUM (₹50,146 Cr). Upper mid AUM (₹11,679 Cr). Point 2 Established history (18+ yrs). Oldest track record among peers (25 yrs). Established history (13+ yrs). Established history (15+ yrs). Established history (11+ yrs). Established history (12+ yrs). Established history (18+ yrs). Established history (13+ yrs). Established history (16+ yrs). Established history (12+ yrs). Point 3 Top rated. Rating: 5★ (top quartile). Rating: 5★ (upper mid). Rating: 5★ (upper mid). Rating: 5★ (upper mid). Rating: 5★ (lower mid). Rating: 5★ (lower mid). Rating: 5★ (bottom quartile). Rating: 5★ (bottom quartile). Rating: 5★ (bottom quartile). Point 4 Risk profile: High. Risk profile: Moderately High. Risk profile: High. Risk profile: High. Risk profile: Moderately High. Risk profile: High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 19.29% (top quartile). 5Y return: 15.07% (upper mid). 5Y return: 16.92% (upper mid). 5Y return: 21.62% (top quartile). 5Y return: 14.12% (lower mid). 5Y return: 12.72% (bottom quartile). 5Y return: 15.29% (upper mid). 5Y return: 5.96% (bottom quartile). 5Y return: 13.07% (lower mid). 5Y return: 12.41% (bottom quartile). Point 6 3Y return: 24.43% (top quartile). 3Y return: 18.80% (lower mid). 3Y return: 26.75% (top quartile). 3Y return: 23.43% (upper mid). 3Y return: 16.00% (lower mid). 3Y return: 14.61% (bottom quartile). 3Y return: 19.56% (upper mid). 3Y return: 10.38% (bottom quartile). 3Y return: 15.35% (bottom quartile). 3Y return: 20.07% (upper mid). Point 7 1Y return: 32.74% (top quartile). 1Y return: 2.22% (bottom quartile). 1Y return: 66.62% (top quartile). 1Y return: 3.62% (lower mid). 1Y return: 7.99% (upper mid). 1Y return: 3.97% (lower mid). 1Y return: 13.79% (upper mid). 1Y return: -2.44% (bottom quartile). 1Y return: 4.95% (upper mid). 1Y return: -1.85% (bottom quartile). Point 8 Alpha: 0.00 (upper mid). Alpha: -3.59 (bottom quartile). Alpha: -1.33 (lower mid). Alpha: 0.00 (upper mid). Alpha: 1.67 (upper mid). Alpha: 3.17 (top quartile). Alpha: 0.00 (lower mid). Alpha: -6.08 (bottom quartile). Alpha: 2.09 (top quartile). Alpha: -8.96 (bottom quartile). Point 9 Sharpe: 1.19 (top quartile). Sharpe: -0.58 (lower mid). Sharpe: 1.98 (top quartile). Sharpe: -0.79 (bottom quartile). Sharpe: -0.37 (lower mid). Sharpe: -0.31 (upper mid). Sharpe: -0.21 (upper mid). Sharpe: -0.91 (bottom quartile). Sharpe: -0.34 (upper mid). Sharpe: -1.03 (bottom quartile). Point 10 Information ratio: 0.00 (upper mid). Information ratio: 0.23 (upper mid). Information ratio: -0.27 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: -0.09 (bottom quartile). Information ratio: 0.37 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: -0.84 (bottom quartile). Information ratio: -0.04 (lower mid). Information ratio: 0.51 (top quartile). DSP Natural Resources and New Energy Fund
DSP Equity Opportunities Fund
DSP US Flexible Equity Fund
Bandhan Infrastructure Fund
Tata India Tax Savings Fund
Aditya Birla Sun Life Banking And Financial Services Fund
Aditya Birla Sun Life Small Cap Fund
Axis Focused 25 Fund
Kotak Standard Multicap Fund
Motilal Oswal Multicap 35 Fund
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:
- The tenure of lumpsum investment
- The amount of money is being invested through lumpsum mode
- Expected rate of returns in the long-term from equity markets
- 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.
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.
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
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 2026
*Best funds based on 3 year performance.
"The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized." Below is the key information for DSP World Gold Fund Returns up to 1 year are on The investment objective of the scheme is to provide long term growth from a portfolio of equity / equity related instruments of companies engaged either directly or indirectly in the infrastructure sector. Research Highlights for LIC MF Infrastructure Fund Below is the key information for LIC MF Infrastructure Fund Returns up to 1 year are on To generate capital appreciation by investing in Equity and Equity Related Instruments of companies where the Central / State Government(s) has majority shareholding or management control or has powers to appoint majority of directors. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns. Research Highlights for Invesco India PSU Equity Fund Below is the key information for Invesco India PSU Equity Fund Returns up to 1 year are on 1. DSP World Gold Fund
DSP World Gold Fund
Growth Launch Date 14 Sep 07 NAV (28 Apr 26) ₹58.1724 ↓ -2.15 (-3.57 %) Net Assets (Cr) ₹1,769 on 31 Mar 26 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.41 Sharpe Ratio 2.16 Information Ratio -0.83 Alpha Ratio 1.04 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹11,138 31 Mar 23 ₹10,487 31 Mar 24 ₹10,232 31 Mar 25 ₹15,284 31 Mar 26 ₹33,879 Returns for DSP World Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Apr 26 Duration Returns 1 Month 5.9% 3 Month -15.8% 6 Month 41.1% 1 Year 107.9% 3 Year 46.7% 5 Year 25.2% 10 Year 15 Year Since launch 9.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 167.1% 2023 15.9% 2022 7% 2021 -7.7% 2020 -9% 2019 31.4% 2018 35.1% 2017 -10.7% 2016 -4% 2015 52.7% Fund Manager information for DSP World Gold Fund
Name Since Tenure Jay Kothari 1 Mar 13 13.09 Yr. Data below for DSP World Gold Fund as on 31 Mar 26
Equity Sector Allocation
Sector Value Basic Materials 94.27% Asset Allocation
Asset Class Value Cash 3.92% Equity 94.27% Debt 0.01% Other 1.8% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Gold I2
Investment Fund | -70% ₹1,531 Cr 1,103,589
↓ -74,069 VanEck Gold Miners ETF
- | GDX28% ₹604 Cr 573,719 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -4% ₹90 Cr Net Receivables/Payables
Net Current Assets | -2% -₹35 Cr 2. LIC MF Infrastructure Fund
LIC MF Infrastructure Fund
Growth Launch Date 29 Feb 08 NAV (29 Apr 26) ₹52.1147 ↑ 0.10 (0.19 %) Net Assets (Cr) ₹905 on 31 Mar 26 Category Equity - Sectoral AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating Risk High Expense Ratio 2.21 Sharpe Ratio -0.01 Information Ratio 0.34 Alpha Ratio 2.02 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹13,141 31 Mar 23 ₹13,490 31 Mar 24 ₹21,802 31 Mar 25 ₹25,258 31 Mar 26 ₹26,147 Returns for LIC MF Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Apr 26 Duration Returns 1 Month 12.5% 3 Month 10.7% 6 Month 2.1% 1 Year 18.1% 3 Year 29% 5 Year 24.9% 10 Year 15 Year Since launch 9.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 -3.7% 2023 47.8% 2022 44.4% 2021 7.9% 2020 46.6% 2019 -0.1% 2018 13.3% 2017 -14.6% 2016 42.2% 2015 -2.2% Fund Manager information for LIC MF Infrastructure Fund
Name Since Tenure Sumit Bhatnagar 7 Apr 26 0 Yr. Mahesh Bendre 1 Jul 24 1.75 Yr. Data below for LIC MF Infrastructure Fund as on 31 Mar 26
Equity Sector Allocation
Sector Value Industrials 41.35% Consumer Cyclical 16.7% Utility 9.81% Basic Materials 8.85% Communication Services 5.56% Health Care 3.51% Technology 2.14% Real Estate 2.08% Financial Services 1.6% Asset Allocation
Asset Class Value Cash 8.4% Equity 91.6% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Apr 09 | LT4% ₹40 Cr 115,347
↑ 6,944 Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 30 Jun 25 | APOLLOHOSP4% ₹32 Cr 42,748
↓ -926 Schneider Electric Infrastructure Ltd (Industrials)
Equity, Since 31 Dec 23 | SCHNEIDER3% ₹30 Cr 357,347
↓ -7,743 NTPC Ltd (Utilities)
Equity, Since 31 Mar 23 | 5325553% ₹30 Cr 804,231
↓ -69,677 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 09 | BHARTIARTL3% ₹29 Cr 163,087
↓ -13,757 Cummins India Ltd (Industrials)
Equity, Since 31 May 21 | 5004803% ₹25 Cr 56,285
↓ -604 Tata Motors Passenger Vehicles Ltd (Consumer Cyclical)
Equity, Since 28 Feb 26 | TMPV3% ₹25 Cr 854,522
↓ -18,517 Garware Hi-Tech Films Ltd (Basic Materials)
Equity, Since 31 Aug 23 | 5006553% ₹24 Cr 71,458
↓ -1,547 Siemens Energy India Ltd (Utilities)
Equity, Since 31 Aug 25 | ENRIN3% ₹24 Cr 93,672
↓ -2,029 Tata Motors Ltd (Consumer Cyclical)
Equity, Since 31 Oct 25 | TMCV2% ₹22 Cr 566,819
↓ -229,339 3. Invesco India PSU Equity Fund
Invesco India PSU Equity Fund
Growth Launch Date 18 Nov 09 NAV (29 Apr 26) ₹68.34 ↓ -0.38 (-0.55 %) Net Assets (Cr) ₹1,335 on 31 Mar 26 Category Equity - Sectoral AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk High Expense Ratio 2.14 Sharpe Ratio 0.01 Information Ratio -0.79 Alpha Ratio -6 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹12,277 31 Mar 23 ₹13,931 31 Mar 24 ₹25,544 31 Mar 25 ₹26,724 31 Mar 26 ₹27,849 Returns for Invesco India PSU Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Apr 26 Duration Returns 1 Month 11.3% 3 Month -1% 6 Month 2.9% 1 Year 12.9% 3 Year 29% 5 Year 25.4% 10 Year 15 Year Since launch 12.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 10.3% 2023 25.6% 2022 54.5% 2021 20.5% 2020 31.1% 2019 6.1% 2018 10.1% 2017 -16.9% 2016 24.3% 2015 17.9% Fund Manager information for Invesco India PSU Equity Fund
Name Since Tenure Hiten Jain 1 Jul 25 0.75 Yr. Sagar Gandhi 1 Jul 25 0.75 Yr. Data below for Invesco India PSU Equity Fund as on 31 Mar 26
Equity Sector Allocation
Sector Value Financial Services 30.35% Industrials 28.06% Utility 19.53% Energy 13.58% Basic Materials 3.6% Consumer Cyclical 1.41% Asset Allocation
Asset Class Value Cash 3.47% Equity 96.53% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank of India (Financial Services)
Equity, Since 28 Feb 21 | SBIN9% ₹115 Cr 1,171,232 Indian Bank (Financial Services)
Equity, Since 30 Jun 21 | 5328147% ₹98 Cr 1,157,444 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | HAL7% ₹91 Cr 261,137 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 30 Sep 18 | 5005476% ₹86 Cr 3,076,024
↑ 359,015 Bharat Electronics Ltd (Industrials)
Equity, Since 31 Mar 17 | BEL6% ₹83 Cr 2,078,629
↓ -237,890 NTPC Ltd (Utilities)
Equity, Since 31 May 19 | 5325555% ₹67 Cr 1,801,543 Bank of Baroda (Financial Services)
Equity, Since 30 Jun 21 | 5321345% ₹65 Cr 2,611,219
↑ 133,663 NTPC Green Energy Ltd (Utilities)
Equity, Since 30 Nov 24 | NTPCGREEN5% ₹63 Cr 6,852,914
↓ -2,276,906 REC Ltd (Financial Services)
Equity, Since 31 Aug 23 | 5329554% ₹52 Cr 1,703,577 Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 31 Aug 24 | 5003124% ₹52 Cr 1,821,612
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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Research Highlights for DSP World Gold Fund