+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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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 (%) Sundaram Rural and Consumption Fund Growth ₹99.4389
↑ 0.08 ₹1,576 5,000 3.8 15.5 -1.2 16.2 19.2 20.1 Franklin Asian Equity Fund Growth ₹31.8873
↓ -0.11 ₹270 5,000 9.2 13.6 12.6 9.3 3.6 14.4 Franklin Build India Fund Growth ₹139.604
↑ 0.29 ₹2,950 5,000 0.7 18.4 -4.4 27 31.3 27.8 DSP Natural Resources and New Energy Fund Growth ₹88.607
↑ 1.27 ₹1,310 1,000 0.9 13.4 -8.5 19.4 24 13.9 DSP Equity Opportunities Fund Growth ₹604.424
↓ -0.90 ₹15,502 1,000 -0.8 12.8 -4.9 19.2 21.6 23.9 DSP US Flexible Equity Fund Growth ₹67.7398
↑ 0.00 ₹989 1,000 14.6 16.2 23 18.7 16.6 17.8 Bandhan Infrastructure Fund Growth ₹49.419
↑ 0.31 ₹1,676 5,000 -2.1 21.2 -10.9 26.1 32 39.3 Tata India Tax Savings Fund Growth ₹43.3196
↓ -0.02 ₹4,595 500 -0.8 13.1 -4.8 14.6 19 19.5 Aditya Birla Sun Life Banking And Financial Services Fund Growth ₹58.38
↓ -0.33 ₹3,497 1,000 -3.1 12.4 2.6 14.1 19.3 8.7 Aditya Birla Sun Life Small Cap Fund Growth ₹84.0605
↑ 0.54 ₹5,011 1,000 -0.4 20.7 -6.2 17 23.3 21.5 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 25 Research Highlights & Commentary of 10 Funds showcased
Commentary Sundaram Rural and Consumption Fund Franklin Asian Equity Fund Franklin Build India Fund 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 Point 1 Lower mid AUM (₹1,576 Cr). Bottom quartile AUM (₹270 Cr). Upper mid AUM (₹2,950 Cr). Bottom quartile AUM (₹1,310 Cr). Highest AUM (₹15,502 Cr). Bottom quartile AUM (₹989 Cr). Lower mid AUM (₹1,676 Cr). Upper mid AUM (₹4,595 Cr). Upper mid AUM (₹3,497 Cr). Top quartile AUM (₹5,011 Cr). Point 2 Established history (19+ yrs). Established history (17+ yrs). Established history (16+ yrs). Established history (17+ yrs). Oldest track record among peers (25 yrs). Established history (13+ yrs). Established history (14+ yrs). Established history (10+ yrs). Established history (11+ yrs). Established history (18+ 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: Moderately High. Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: Moderately High. Risk profile: High. Risk profile: High. Risk profile: Moderately High. Risk profile: High. Risk profile: Moderately High. Point 5 5Y return: 19.16% (lower mid). 5Y return: 3.57% (bottom quartile). 5Y return: 31.31% (top quartile). 5Y return: 24.04% (upper mid). 5Y return: 21.59% (upper mid). 5Y return: 16.59% (bottom quartile). 5Y return: 31.96% (top quartile). 5Y return: 19.01% (bottom quartile). 5Y return: 19.34% (lower mid). 5Y return: 23.32% (upper mid). Point 6 3Y return: 16.23% (lower mid). 3Y return: 9.26% (bottom quartile). 3Y return: 26.97% (top quartile). 3Y return: 19.40% (upper mid). 3Y return: 19.22% (upper mid). 3Y return: 18.74% (upper mid). 3Y return: 26.12% (top quartile). 3Y return: 14.56% (bottom quartile). 3Y return: 14.11% (bottom quartile). 3Y return: 17.01% (lower mid). Point 7 1Y return: -1.16% (upper mid). 1Y return: 12.57% (top quartile). 1Y return: -4.44% (upper mid). 1Y return: -8.50% (bottom quartile). 1Y return: -4.87% (lower mid). 1Y return: 22.98% (top quartile). 1Y return: -10.87% (bottom quartile). 1Y return: -4.75% (lower mid). 1Y return: 2.60% (upper mid). 1Y return: -6.24% (bottom quartile). Point 8 Alpha: -0.72 (lower mid). Alpha: 0.00 (top quartile). Alpha: 0.00 (upper mid). Alpha: 0.00 (upper mid). Alpha: -1.90 (bottom quartile). Alpha: -1.71 (bottom quartile). Alpha: 0.00 (upper mid). Alpha: 0.24 (top quartile). Alpha: -8.11 (bottom quartile). Alpha: 0.00 (lower mid). Point 9 Sharpe: -0.27 (upper mid). Sharpe: 0.57 (top quartile). Sharpe: -0.51 (lower mid). Sharpe: -0.82 (bottom quartile). Sharpe: -0.52 (bottom quartile). Sharpe: 0.78 (top quartile). Sharpe: -0.69 (bottom quartile). Sharpe: -0.42 (upper mid). Sharpe: 0.09 (upper mid). Sharpe: -0.43 (lower mid). Point 10 Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.28 (top quartile). Information ratio: -0.40 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: -0.22 (bottom quartile). Information ratio: 0.19 (top quartile). Information ratio: 0.00 (bottom quartile). Sundaram Rural and Consumption Fund
Franklin Asian Equity Fund
Franklin Build India Fund
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
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 2025
*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 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 To seek long-term capital appreciation by investing predominantly in equity and equity related securities of companies engaged in or expected to benefit from growth and development of infrastructure. Research Highlights for HDFC Infrastructure Fund Below is the key information for HDFC Infrastructure Fund Returns up to 1 year are on 1. DSP World Gold Fund
DSP World Gold Fund
Growth Launch Date 14 Sep 07 NAV (29 Aug 25) ₹36.334 ↑ 0.52 (1.46 %) Net Assets (Cr) ₹1,212 on 31 Jul 25 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.41 Sharpe Ratio 1.56 Information Ratio -0.56 Alpha Ratio 2.8 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 Aug 20 ₹10,000 31 Aug 21 ₹7,754 31 Aug 22 ₹5,954 31 Aug 23 ₹7,515 31 Aug 24 ₹9,830 31 Aug 25 ₹16,461 Returns for DSP World Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Aug 25 Duration Returns 1 Month 17.2% 3 Month 23.4% 6 Month 56.2% 1 Year 66.9% 3 Year 39.2% 5 Year 10.8% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 15.9% 2023 7% 2022 -7.7% 2021 -9% 2020 31.4% 2019 35.1% 2018 -10.7% 2017 -4% 2016 52.7% 2015 -18.5% Fund Manager information for DSP World Gold Fund
Name Since Tenure Jay Kothari 1 Mar 13 12.51 Yr. Data below for DSP World Gold Fund as on 31 Jul 25
Equity Sector Allocation
Sector Value Basic Materials 95.27% Asset Allocation
Asset Class Value Cash 1.87% Equity 95.34% Debt 0.01% Other 2.79% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Gold I2
Investment Fund | -78% ₹942 Cr 1,578,535
↓ -32,363 VanEck Gold Miners ETF
- | GDX21% ₹259 Cr 573,719 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -1% ₹13 Cr Net Receivables/Payables
Net Current Assets | -0% -₹2 Cr 2. Invesco India PSU Equity Fund
Invesco India PSU Equity Fund
Growth Launch Date 18 Nov 09 NAV (02 Sep 25) ₹61.39 ↑ 0.74 (1.22 %) Net Assets (Cr) ₹1,391 on 31 Jul 25 Category Equity - Sectoral AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk High Expense Ratio 2.14 Sharpe Ratio -0.57 Information Ratio -0.3 Alpha Ratio 5.7 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 Aug 20 ₹10,000 31 Aug 21 ₹14,116 31 Aug 22 ₹15,840 31 Aug 23 ₹20,143 31 Aug 24 ₹37,355 31 Aug 25 ₹32,909 Returns for Invesco India PSU Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Aug 25 Duration Returns 1 Month 0.3% 3 Month -4.5% 6 Month 24.4% 1 Year -9.6% 3 Year 28.8% 5 Year 27.4% 10 Year 15 Year Since launch 12.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 25.6% 2023 54.5% 2022 20.5% 2021 31.1% 2020 6.1% 2019 10.1% 2018 -16.9% 2017 24.3% 2016 17.9% 2015 2.5% Fund Manager information for Invesco India PSU Equity Fund
Name Since Tenure Hiten Jain 1 Jul 25 0.17 Yr. Sagar Gandhi 1 Jul 25 0.17 Yr. Data below for Invesco India PSU Equity Fund as on 31 Jul 25
Equity Sector Allocation
Sector Value Utility 27.91% Industrials 27.8% Financial Services 21.95% Energy 16.03% Basic Materials 3.99% Asset Allocation
Asset Class Value Cash 2.33% Equity 97.67% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bharat Electronics Ltd (Industrials)
Equity, Since 31 Mar 17 | BEL9% ₹122 Cr 3,178,489 State Bank of India (Financial Services)
Equity, Since 28 Feb 21 | SBIN8% ₹114 Cr 1,426,314
↑ 61,200 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 30 Sep 18 | 5005478% ₹113 Cr 3,445,961 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 28 Feb 22 | 5328988% ₹105 Cr 3,599,413 NTPC Ltd (Utilities)
Equity, Since 31 May 19 | 5325557% ₹103 Cr 3,085,790 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | HAL7% ₹103 Cr 226,465 Hindustan Petroleum Corp Ltd (Energy)
Equity, Since 30 Nov 23 | HINDPETRO5% ₹65 Cr 1,564,169 NHPC Ltd (Utilities)
Equity, Since 31 Oct 22 | NHPC5% ₹64 Cr 7,649,437
↑ 832,821 NTPC Green Energy Ltd (Utilities)
Equity, Since 30 Nov 24 | NTPCGREEN4% ₹62 Cr 5,911,723 REC Ltd (Financial Services)
Equity, Since 31 Aug 23 | 5329554% ₹59 Cr 1,485,615
↑ 362,125 3. HDFC Infrastructure Fund
HDFC Infrastructure Fund
Growth Launch Date 10 Mar 08 NAV (02 Sep 25) ₹46.829 ↑ 0.05 (0.11 %) Net Assets (Cr) ₹2,540 on 31 Jul 25 Category Equity - Sectoral AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 2.06 Sharpe Ratio -0.56 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹16,545 31 Aug 22 ₹19,604 31 Aug 23 ₹26,941 31 Aug 24 ₹42,708 31 Aug 25 ₹39,954 Returns for HDFC Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Aug 25 Duration Returns 1 Month -0.3% 3 Month -1.3% 6 Month 18.3% 1 Year -5.3% 3 Year 27.1% 5 Year 31.8% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2024 23% 2023 55.4% 2022 19.3% 2021 43.2% 2020 -7.5% 2019 -3.4% 2018 -29% 2017 43.3% 2016 -1.9% 2015 -2.5% Fund Manager information for HDFC Infrastructure Fund
Name Since Tenure Srinivasan Ramamurthy 12 Jan 24 1.64 Yr. Dhruv Muchhal 22 Jun 23 2.2 Yr. Data below for HDFC Infrastructure Fund as on 31 Jul 25
Equity Sector Allocation
Sector Value Industrials 38.91% Financial Services 20.57% Basic Materials 10.46% Utility 6.9% Energy 6.37% Communication Services 3.71% Real Estate 2.25% Health Care 1.77% Technology 1.36% Consumer Cyclical 0.47% Asset Allocation
Asset Class Value Cash 7.23% Equity 92.77% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK8% ₹193 Cr 1,300,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 23 | HDFCBANK6% ₹141 Cr 700,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT5% ₹138 Cr 380,000 J Kumar Infraprojects Ltd (Industrials)
Equity, Since 31 Oct 15 | JKIL4% ₹99 Cr 1,400,000 InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Dec 21 | INDIGO3% ₹89 Cr 150,000 Kalpataru Projects International Ltd (Industrials)
Equity, Since 31 Jan 23 | KPIL3% ₹87 Cr 758,285 NTPC Ltd (Utilities)
Equity, Since 31 Dec 17 | 5325553% ₹74 Cr 2,200,000 Reliance Industries Ltd (Energy)
Equity, Since 31 May 24 | RELIANCE3% ₹70 Cr 500,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 20 | BHARTIARTL3% ₹67 Cr 350,000 G R Infraprojects Ltd (Industrials)
Equity, Since 31 Jul 21 | 5433172% ₹57 Cr 470,000
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