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Lumpsum Calculator

Updated on April 21, 2024 , 17630 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 (%)2023 (%)
DSP BlackRock Natural Resources and New Energy Fund Growth ₹85.884
↑ 0.15
₹990 1,000 14.434.148.123.621.131.2
DSP BlackRock Equity Opportunities Fund Growth ₹521.206
↑ 1.34
₹10,812 1,000 924.645.921.61932.5
DSP BlackRock US Flexible Equity Fund Growth ₹50.5342
↓ -0.18
₹889 1,000 3.814.518.68.415.222
L&T Emerging Businesses Fund Growth ₹73.5558
↑ 0.80
₹13,401 5,000 6.421.35133.524.646.1
L&T India Value Fund Growth ₹93.7752
↑ 0.47
₹11,431 5,000 10.228.254.427.821.439.4
IDFC Infrastructure Fund Growth ₹45.648
↑ 0.23
₹1,043 5,000 18.343.780.136.42550.3
Tata India Tax Savings Fund Growth ₹38.4547
↑ 0.15
₹4,028 500 6.718.735.219.316.524
Aditya Birla Sun Life Banking And Financial Services Fund Growth ₹51.94
↑ 0.18
₹2,990 1,000 5.612.330.617.812.521.7
Aditya Birla Sun Life Small Cap Fund Growth ₹76.6552
↑ 0.81
₹4,444 1,000 5.617.750.22217.339.4
Axis Focused 25 Fund Growth ₹49.6
↑ 0.24
₹14,087 5,000 10.62032.410.212.717.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Apr 24

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 2024

*Best funds based on 3 year performance.

1. SBI PSU Fund

The objective of the scheme would be to provide investors with opportunities for long-term growth in capital along with the liquidity of an open-ended scheme through an active management of investments in a diversified basket of equity stocks of domestic Public Sector Undertakings and in debt and money market instruments issued by PSUs AND others.

SBI PSU Fund is a Equity - Sectoral fund was launched on 7 Jul 10. It is a fund with High risk and has given a CAGR/Annualized return of 8.3% since its launch.  Ranked 31 in Sectoral category.  Return for 2023 was 54% , 2022 was 29% and 2021 was 32.4% .

Below is the key information for SBI PSU Fund

SBI PSU Fund
Growth
Launch Date 7 Jul 10
NAV (23 Apr 24) ₹29.976 ↑ 0.15   (0.49 %)
Net Assets (Cr) ₹1,876 on 31 Mar 24
Category Equity - Sectoral
AMC SBI Funds Management Private Limited
Rating
Risk High
Expense Ratio 2.52
Sharpe Ratio 2.62
Information Ratio -1.01
Alpha Ratio -9.05
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.

DateValue
31 Mar 19₹10,000
31 Mar 20₹7,245
31 Mar 21₹10,059
31 Mar 22₹12,594
31 Mar 23₹14,369
31 Mar 24₹26,864

SBI PSU Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833
Invest Now

Returns for SBI PSU Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Apr 24

DurationReturns
1 Month 8.1%
3 Month 18.9%
6 Month 58.1%
1 Year 94.3%
3 Year 42.6%
5 Year 24.2%
10 Year
15 Year
Since launch 8.3%
Historical performance (Yearly) on absolute basis
YearReturns
2023 54%
2022 29%
2021 32.4%
2020 -10%
2019 6%
2018 -23.8%
2017 21.9%
2016 16.2%
2015 -11.1%
2014 41.5%
Fund Manager information for SBI PSU Fund
NameSinceTenure
Richard D'souza1 Aug 149.67 Yr.

Data below for SBI PSU Fund as on 31 Mar 24

Equity Sector Allocation
SectorValue
Financial Services36.97%
Utility19.35%
Industrials12.44%
Energy12.3%
Basic Materials12.24%
Asset Allocation
Asset ClassValue
Cash6.7%
Equity93.3%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
State Bank of India (Financial Services)
Equity, Since 31 Jul 10 | SBIN
10%₹170 Cr2,277,500
NTPC Ltd (Utilities)
Equity, Since 31 Jul 10 | 532555
8%₹146 Cr4,343,244
↑ 1,500,000
Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jul 10 | 532898
7%₹128 Cr4,535,554
↑ 1,200,000
Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 31 May 20 | 500312
5%₹91 Cr3,455,000
Housing & Urban Development Corp Ltd (Financial Services)
Equity, Since 30 Nov 22 | 540530
5%₹83 Cr4,350,000
RITES Ltd Ordinary Shares (Industrials)
Equity, Since 31 Oct 22 | RITES
4%₹73 Cr930,000
↑ 235,000
Indian Oil Corp Ltd (Energy)
Equity, Since 31 Aug 15 | IOC
4%₹71 Cr4,281,804
↑ 3,000,000
Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 31 Jul 23 | 500103
4%₹68 Cr3,000,000
NHPC Ltd (Utilities)
Equity, Since 31 Jan 24 | NHPC
4%₹67 Cr7,600,000
↑ 4,100,000
Punjab National Bank (Financial Services)
Equity, Since 31 Dec 19 | 532461
4%₹66 Cr5,425,000

2. HDFC Infrastructure Fund

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.

HDFC Infrastructure Fund is a Equity - Sectoral fund was launched on 10 Mar 08. It is a fund with High risk and has given a CAGR/Annualized return of since its launch.  Ranked 26 in Sectoral category.  Return for 2023 was 55.4% , 2022 was 19.3% and 2021 was 43.2% .

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund
Growth
Launch Date 10 Mar 08
NAV (23 Apr 24) ₹43.321 ↑ 0.15   (0.34 %)
Net Assets (Cr) ₹1,663 on 31 Mar 24
Category Equity - Sectoral
AMC HDFC Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.56
Sharpe Ratio 4.42
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.

DateValue
31 Mar 19₹10,000
31 Mar 20₹5,234
31 Mar 21₹9,084
31 Mar 22₹11,372
31 Mar 23₹13,231
31 Mar 24₹23,733

HDFC Infrastructure Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033
Invest Now

Returns for HDFC Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Apr 24

DurationReturns
1 Month 6.5%
3 Month 14.2%
6 Month 36.2%
1 Year 83.5%
3 Year 41.2%
5 Year 21%
10 Year
15 Year
Since launch
Historical performance (Yearly) on absolute basis
YearReturns
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%
2014 73.9%
Fund Manager information for HDFC Infrastructure Fund
NameSinceTenure
Srinivasan Ramamurthy12 Jan 240.22 Yr.
Dhruv Muchhal22 Jun 230.78 Yr.

Data below for HDFC Infrastructure Fund as on 31 Mar 24

Equity Sector Allocation
SectorValue
Industrials39.92%
Financial Services19.36%
Basic Materials8.4%
Energy6.79%
Utility4.35%
Communication Services3.49%
Consumer Cyclical2.68%
Technology1.83%
Real Estate1.18%
Asset Allocation
Asset ClassValue
Cash10.58%
Equity88.01%
Debt1.41%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK
7%₹113 Cr1,075,000
J Kumar Infraprojects Ltd (Industrials)
Equity, Since 31 Oct 15 | JKIL
6%₹97 Cr1,500,000
↓ -113,625
Coal India Ltd (Energy)
Equity, Since 31 Oct 18 | COALINDIA
5%₹83 Cr1,900,000
↓ -265,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT
5%₹73 Cr209,762
NTPC Ltd (Utilities)
Equity, Since 31 Dec 17 | 532555
4%₹70 Cr2,084,125
Kalpataru Projects International Ltd (Industrials)
Equity, Since 31 Jan 23 | KPIL
4%₹66 Cr683,608
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 20 | BHARTIARTL
3%₹56 Cr500,000
↑ 360,000
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 23 | HDFCBANK
3%₹56 Cr400,000
↑ 50,000
State Bank of India (Financial Services)
Equity, Since 31 Mar 08 | SBIN
3%₹53 Cr704,361
Inox Wind Ltd (Industrials)
Equity, Since 31 Oct 23 | INOXWIND
3%₹42 Cr700,000
↓ -266,489

3. Nippon India Power and Infra Fund

(Erstwhile Reliance Diversified Power Sector Fund)

The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies in the power sector.

Nippon India Power and Infra Fund is a Equity - Sectoral fund was launched on 8 May 04. It is a fund with High risk and has given a CAGR/Annualized return of 19% since its launch.  Ranked 13 in Sectoral category.  Return for 2023 was 58% , 2022 was 10.9% and 2021 was 48.9% .

Below is the key information for Nippon India Power and Infra Fund

Nippon India Power and Infra Fund
Growth
Launch Date 8 May 04
NAV (23 Apr 24) ₹320.51 ↑ 3.11   (0.98 %)
Net Assets (Cr) ₹4,529 on 31 Mar 24
Category Equity - Sectoral
AMC Nippon Life Asset Management Ltd.
Rating
Risk High
Expense Ratio 2.23
Sharpe Ratio 3.98
Information Ratio 1.48
Alpha Ratio 11.98
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
31 Mar 19₹10,000
31 Mar 20₹6,580
31 Mar 21₹12,215
31 Mar 22₹15,256
31 Mar 23₹17,694
31 Mar 24₹31,288

Nippon India Power and Infra Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹584,107.
Net Profit of ₹284,107
Invest Now

Returns for Nippon India Power and Infra Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Apr 24

DurationReturns
1 Month 5.9%
3 Month 15.2%
6 Month 41.2%
1 Year 80.6%
3 Year 39.7%
5 Year 26.7%
10 Year
15 Year
Since launch 19%
Historical performance (Yearly) on absolute basis
YearReturns
2023 58%
2022 10.9%
2021 48.9%
2020 10.8%
2019 -2.9%
2018 -21.1%
2017 61.7%
2016 0.1%
2015 0.3%
2014 50.8%
Fund Manager information for Nippon India Power and Infra Fund
NameSinceTenure
Sanjay Doshi2 Jan 177.25 Yr.
Kinjal Desai25 May 185.86 Yr.

Data below for Nippon India Power and Infra Fund as on 31 Mar 24

Equity Sector Allocation
SectorValue
Industrials37.72%
Utility14.4%
Basic Materials9.78%
Energy8.03%
Communication Services6.62%
Consumer Cyclical6.41%
Technology5.2%
Real Estate4.25%
Health Care1.82%
Asset Allocation
Asset ClassValue
Cash5.78%
Equity94.22%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 18 | RELIANCE
6%₹270 Cr925,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 07 | LT
6%₹261 Cr750,000
↑ 110,663
Bosch Ltd (Consumer Cyclical)
Equity, Since 31 Aug 21 | 500530
6%₹239 Cr83,500
NTPC Ltd (Utilities)
Equity, Since 31 May 09 | 532555
6%₹235 Cr7,000,000
UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Oct 19 | ULTRACEMCO
5%₹208 Cr210,000
↑ 10,000
Kaynes Technology India Ltd (Industrials)
Equity, Since 30 Nov 22 | KAYNES
5%₹198 Cr670,000
↑ 92,352
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 18 | BHARTIARTL
4%₹169 Cr1,500,000
↑ 150,000
Cyient DLM Ltd (Technology)
Equity, Since 31 Jul 23 | 543933
3%₹137 Cr1,708,669
↑ 158,099
Honeywell Automation India Ltd (Industrials)
Equity, Since 31 Jan 24 | HONAUT
3%₹137 Cr36,000
↑ 13,882
Container Corporation of India Ltd (Industrials)
Equity, Since 31 Aug 22 | CONCOR
3%₹125 Cr1,274,151

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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