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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.
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 NAV Net Assets (Cr) Min Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2023 (%) DSP BlackRock Natural Resources and New Energy Fund Growth ₹86.126
↓ -0.08 ₹957 1,000 13.6 31.3 49.4 24 21.2 31.2 DSP BlackRock Equity Opportunities Fund Growth ₹515.083
↑ 0.26 ₹10,917 1,000 4.8 19.6 43.1 20.6 18.2 32.5 DSP BlackRock US Flexible Equity Fund Growth ₹52.3514
↓ -0.07 ₹860 1,000 6.2 14.4 21.2 9 15.4 22 L&T Emerging Businesses Fund Growth ₹72.2685
↑ 0.18 ₹13,747 5,000 2.6 14.4 48.6 32.8 23.8 46.1 L&T India Value Fund Growth ₹92.5954
↓ -0.22 ₹11,536 5,000 5.6 22.6 51.1 26.5 20.6 39.4 IDFC Infrastructure Fund Growth ₹45.079
↑ 0.27 ₹1,009 5,000 16 36.6 77.3 34.9 24.1 50.3 Tata India Tax Savings Fund Growth ₹38.0368
↓ -0.06 ₹4,016 500 2.6 13.6 32.6 18.4 15.9 24 Aditya Birla Sun Life Banking And Financial Services Fund Growth ₹50.88
↓ -0.16 ₹3,023 1,000 -1.3 6.5 27.8 16.8 11.5 21.7 Aditya Birla Sun Life Small Cap Fund Growth ₹75.1364
↑ 0.45 ₹5,382 1,000 0.9 11.4 47.5 20.6 16.1 39.4 Axis Focused 25 Fund Growth ₹49.03
↓ -0.36 ₹13,538 5,000 5.3 15.4 30.3 9.3 12.1 17.2 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 15 Apr 24
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:
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
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.
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.
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.
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.
*Best funds based on 3 year performance.
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 Below is the key information for SBI PSU Fund Returns up to 1 year are on To generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure development and balance in debt securities and money market instruments. ICICI Prudential Infrastructure Fund is a Equity - Sectoral fund was launched on 31 Aug 05. It is a fund with High risk and has given a Below is the key information for ICICI Prudential Infrastructure 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. 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 Below is the key information for HDFC Infrastructure Fund Returns up to 1 year are on 1. SBI PSU Fund
CAGR/Annualized
return of 8.2% since its launch. Ranked 31 in Sectoral
category. Return for 2023 was 54% , 2022 was 29% and 2021 was 32.4% . SBI PSU Fund
Growth Launch Date 7 Jul 10 NAV (16 Apr 24) ₹29.7208 ↑ 0.10 (0.33 %) Net Assets (Cr) ₹1,763 on 29 Feb 24 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating ☆☆ Risk High Expense Ratio 2.52 Sharpe Ratio 2.85 Information Ratio -0.88 Alpha Ratio -6.95 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 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 Returns for SBI PSU Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 16 Apr 24 Duration Returns 1 Month 10% 3 Month 17.5% 6 Month 46.7% 1 Year 94.5% 3 Year 41.5% 5 Year 23.2% 10 Year 15 Year Since launch 8.2% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Richard D'souza 1 Aug 14 9.67 Yr. Data below for SBI PSU Fund as on 29 Feb 24
Equity Sector Allocation
Sector Value Financial Services 36.97% Utility 19.35% Industrials 12.44% Energy 12.3% Basic Materials 12.24% Asset Allocation
Asset Class Value Cash 6.7% Equity 93.3% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank of India (Financial Services)
Equity, Since 31 Jul 10 | SBIN10% ₹170 Cr 2,277,500 NTPC Ltd (Utilities)
Equity, Since 31 Jul 10 | 5325558% ₹146 Cr 4,343,244
↑ 1,500,000 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jul 10 | 5328987% ₹128 Cr 4,535,554
↑ 1,200,000 Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 31 May 20 | 5003125% ₹91 Cr 3,455,000 Housing & Urban Development Corp Ltd (Financial Services)
Equity, Since 30 Nov 22 | 5405305% ₹83 Cr 4,350,000 RITES Ltd Ordinary Shares (Industrials)
Equity, Since 31 Oct 22 | RITES4% ₹73 Cr 930,000
↑ 235,000 Indian Oil Corp Ltd (Energy)
Equity, Since 31 Aug 15 | IOC4% ₹71 Cr 4,281,804
↑ 3,000,000 Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 31 Jul 23 | 5001034% ₹68 Cr 3,000,000 NHPC Ltd (Utilities)
Equity, Since 31 Jan 24 | NHPC4% ₹67 Cr 7,600,000
↑ 4,100,000 Punjab National Bank (Financial Services)
Equity, Since 31 Dec 19 | 5324614% ₹66 Cr 5,425,000 2. ICICI Prudential Infrastructure Fund
CAGR/Annualized
return of 16.4% since its launch. Ranked 27 in Sectoral
category. Return for 2023 was 44.6% , 2022 was 28.8% and 2021 was 50.1% . ICICI Prudential Infrastructure Fund
Growth Launch Date 31 Aug 05 NAV (16 Apr 24) ₹168.65 ↑ 0.11 (0.07 %) Net Assets (Cr) ₹4,932 on 29 Feb 24 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 2.22 Sharpe Ratio 3.61 Information Ratio 0 Alpha Ratio 0 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.
Date Value 31 Mar 19 ₹10,000 31 Mar 20 ₹6,301 31 Mar 21 ₹11,765 31 Mar 22 ₹15,945 31 Mar 23 ₹19,470 31 Mar 24 ₹31,799 Returns for ICICI Prudential Infrastructure Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 16 Apr 24 Duration Returns 1 Month 6.3% 3 Month 12.1% 6 Month 32.7% 1 Year 64% 3 Year 40.9% 5 Year 26.4% 10 Year 15 Year Since launch 16.4% Historical performance (Yearly) on absolute basis
Year Returns 2023 44.6% 2022 28.8% 2021 50.1% 2020 3.6% 2019 2.6% 2018 -14% 2017 40.8% 2016 2% 2015 -3.4% 2014 56.2% Fund Manager information for ICICI Prudential Infrastructure Fund
Name Since Tenure Ihab Dalwai 3 Jun 17 6.83 Yr. Sharmila D’mello 30 Jun 22 1.76 Yr. Data below for ICICI Prudential Infrastructure Fund as on 29 Feb 24
Equity Sector Allocation
Sector Value Industrials 29.05% Financial Services 17.86% Basic Materials 16.1% Utility 14.25% Energy 8.84% Communication Services 2.24% Real Estate 2.05% Consumer Cyclical 1.86% Asset Allocation
Asset Class Value Cash 6.85% Equity 92.26% Debt 0.89% Top Securities Holdings / Portfolio
Name Holding Value Quantity NTPC Ltd (Utilities)
Equity, Since 29 Feb 16 | 5325557% ₹359 Cr 10,712,000
↓ -600,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 09 | LT5% ₹264 Cr 760,393
↑ 39,900 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 16 | ICICIBANK5% ₹241 Cr 2,290,000
↑ 100,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 22 | HDFCBANK5% ₹239 Cr 1,699,500
↑ 760,000 Kalpataru Projects International Ltd (Industrials)
Equity, Since 30 Sep 06 | KPIL4% ₹178 Cr 1,844,988
↓ -18,016 NCC Ltd (Industrials)
Equity, Since 31 Aug 21 | NCC3% ₹170 Cr 6,900,000
↓ -758,244 Grasim Industries Ltd (Basic Materials)
Equity, Since 31 Aug 23 | GRASIM3% ₹162 Cr 739,601 Gujarat Gas Ltd (Utilities)
Equity, Since 31 Jan 23 | GUJGASLTD3% ₹161 Cr 2,844,446 Cummins India Ltd (Industrials)
Equity, Since 31 May 17 | 5004802% ₹114 Cr 415,782 Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 30 Jun 17 | 5003122% ₹113 Cr 4,257,800
↓ -577,500 3. HDFC Infrastructure Fund
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% . HDFC Infrastructure Fund
Growth Launch Date 10 Mar 08 NAV (16 Apr 24) ₹42.413 ↑ 0.10 (0.23 %) Net Assets (Cr) ₹1,607 on 29 Feb 24 Category Equity - Sectoral AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 2.56 Sharpe Ratio 4.72 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 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 Returns for HDFC Infrastructure Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 16 Apr 24 Duration Returns 1 Month 6.1% 3 Month 10.2% 6 Month 29% 1 Year 79.7% 3 Year 39.9% 5 Year 19.7% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Srinivasan Ramamurthy 12 Jan 24 0.22 Yr. Dhruv Muchhal 22 Jun 23 0.78 Yr. Data below for HDFC Infrastructure Fund as on 29 Feb 24
Equity Sector Allocation
Sector Value Industrials 39.92% Financial Services 19.36% Basic Materials 8.4% Energy 6.79% Utility 4.35% Communication Services 3.49% Consumer Cyclical 2.68% Technology 1.83% Real Estate 1.18% Asset Allocation
Asset Class Value Cash 10.58% Equity 88.01% Debt 1.41% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK7% ₹113 Cr 1,075,000 J Kumar Infraprojects Ltd (Industrials)
Equity, Since 31 Oct 15 | JKIL6% ₹97 Cr 1,500,000
↓ -113,625 Coal India Ltd (Energy)
Equity, Since 31 Oct 18 | COALINDIA5% ₹83 Cr 1,900,000
↓ -265,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT5% ₹73 Cr 209,762 NTPC Ltd (Utilities)
Equity, Since 31 Dec 17 | 5325554% ₹70 Cr 2,084,125 Kalpataru Projects International Ltd (Industrials)
Equity, Since 31 Jan 23 | KPIL4% ₹66 Cr 683,608 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 20 | BHARTIARTL3% ₹56 Cr 500,000
↑ 360,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 23 | HDFCBANK3% ₹56 Cr 400,000
↑ 50,000 State Bank of India (Financial Services)
Equity, Since 31 Mar 08 | SBIN3% ₹53 Cr 704,361 Inox Wind Ltd (Industrials)
Equity, Since 31 Oct 23 | INOXWIND3% ₹42 Cr 700,000
↓ -266,489