+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
Talk to our investment specialist
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 ₹100.993
↓ -0.15 ₹1,599 5,000 3.9 7.7 4.8 16.3 19.7 20.1 Franklin Asian Equity Fund Growth ₹35.0912
↓ -0.57 ₹260 5,000 12 24.1 21 16.3 4.4 14.4 Franklin Build India Fund Growth ₹145.441
↓ -1.28 ₹2,884 5,000 3.3 10.1 3.4 26.8 32.6 27.8 DSP Natural Resources and New Energy Fund Growth ₹96.723
↓ -0.95 ₹1,292 1,000 9.7 15 7.6 21.7 27.5 13.9 DSP Equity Opportunities Fund Growth ₹629.885
↓ -2.01 ₹15,356 1,000 3.9 6.4 4.3 19.9 22.3 23.9 DSP US Flexible Equity Fund Growth ₹74.0706
↓ -0.46 ₹1,000 1,000 11.9 37.2 35.4 23.7 18.4 17.8 Bandhan Infrastructure Fund Growth ₹50.115
↓ -0.13 ₹1,613 5,000 0.4 7.2 -3.6 26.4 32.7 39.3 Tata India Tax Savings Fund Growth ₹45.602
↓ -0.15 ₹4,472 500 4.2 9.1 3.6 15.3 19.6 19.5 Aditya Birla Sun Life Banking And Financial Services Fund Growth ₹62.98
↓ -0.01 ₹3,374 1,000 5.4 7.1 12.2 16.1 20.1 8.7 Aditya Birla Sun Life Small Cap Fund Growth ₹88.3163
↓ -0.26 ₹4,824 1,000 3.6 14.2 -0.9 18.7 23.6 21.5 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Nov 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 (₹1,599 Cr). Bottom quartile AUM (₹260 Cr). Upper mid AUM (₹2,884 Cr). Bottom quartile AUM (₹1,292 Cr). Highest AUM (₹15,356 Cr). Bottom quartile AUM (₹1,000 Cr). Lower mid AUM (₹1,613 Cr). Upper mid AUM (₹4,472 Cr). Upper mid AUM (₹3,374 Cr). Top quartile AUM (₹4,824 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 (11+ 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: 19.66% (lower mid). 5Y return: 4.43% (bottom quartile). 5Y return: 32.63% (top quartile). 5Y return: 27.45% (upper mid). 5Y return: 22.30% (upper mid). 5Y return: 18.35% (bottom quartile). 5Y return: 32.70% (top quartile). 5Y return: 19.62% (bottom quartile). 5Y return: 20.11% (lower mid). 5Y return: 23.56% (upper mid). Point 6 3Y return: 16.27% (bottom quartile). 3Y return: 16.27% (lower mid). 3Y return: 26.82% (top quartile). 3Y return: 21.74% (upper mid). 3Y return: 19.94% (upper mid). 3Y return: 23.68% (upper mid). 3Y return: 26.35% (top quartile). 3Y return: 15.29% (bottom quartile). 3Y return: 16.07% (bottom quartile). 3Y return: 18.66% (lower mid). Point 7 1Y return: 4.78% (upper mid). 1Y return: 20.96% (top quartile). 1Y return: 3.37% (bottom quartile). 1Y return: 7.63% (upper mid). 1Y return: 4.35% (lower mid). 1Y return: 35.41% (top quartile). 1Y return: -3.57% (bottom quartile). 1Y return: 3.56% (lower mid). 1Y return: 12.16% (upper mid). 1Y return: -0.88% (bottom quartile). Point 8 Alpha: -2.82 (bottom quartile). Alpha: 0.00 (top quartile). Alpha: 0.00 (top quartile). Alpha: 0.00 (upper mid). Alpha: -3.26 (bottom quartile). Alpha: -2.48 (lower mid). Alpha: 0.00 (upper mid). Alpha: -1.62 (lower mid). Alpha: -6.06 (bottom quartile). Alpha: 0.00 (upper mid). Point 9 Sharpe: -0.36 (upper mid). Sharpe: 0.49 (top quartile). Sharpe: -0.64 (lower mid). Sharpe: -0.96 (bottom quartile). Sharpe: -0.78 (bottom quartile). Sharpe: 0.77 (top quartile). Sharpe: -0.71 (bottom quartile). Sharpe: -0.71 (lower mid). Sharpe: -0.18 (upper mid). Sharpe: -0.56 (upper mid). Point 10 Information ratio: -0.05 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.46 (top quartile). Information ratio: -0.62 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: -0.22 (bottom quartile). Information ratio: 0.14 (top quartile). Information ratio: 0.00 (lower mid). 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 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 1. DSP World Gold Fund
DSP World Gold Fund
Growth Launch Date 14 Sep 07 NAV (04 Nov 25) ₹41.1982 ↓ -1.56 (-3.65 %) Net Assets (Cr) ₹1,421 on 31 Aug 25 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.41 Sharpe Ratio 1.8 Information Ratio -1.09 Alpha Ratio 3.15 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 Oct 20 ₹10,000 31 Oct 21 ₹9,021 31 Oct 22 ₹6,936 31 Oct 23 ₹8,194 31 Oct 24 ₹11,716 31 Oct 25 ₹21,909 Returns for DSP World Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Nov 25 Duration Returns 1 Month -8.5% 3 Month 29.7% 6 Month 52.7% 1 Year 80.5% 3 Year 44.5% 5 Year 14.8% 10 Year 15 Year Since launch 8.1% 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 12.59 Yr. Data below for DSP World Gold Fund as on 31 Aug 25
Equity Sector Allocation
Sector Value Basic Materials 95.54% Asset Allocation
Asset Class Value Cash 1.83% Equity 95.6% Debt 0.01% Other 2.56% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Gold I2
Investment Fund | -76% ₹1,268 Cr 1,456,030
↓ -89,620 VanEck Gold Miners ETF
- | GDX23% ₹389 Cr 573,719 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -1% ₹18 Cr Net Receivables/Payables
Net Current Assets | -0% ₹3 Cr 2. Invesco India PSU Equity Fund
Invesco India PSU Equity Fund
Growth Launch Date 18 Nov 09 NAV (04 Nov 25) ₹66.7 ↓ -0.59 (-0.88 %) Net Assets (Cr) ₹1,341 on 31 Aug 25 Category Equity - Sectoral AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk High Expense Ratio 2.14 Sharpe Ratio -0.58 Information Ratio -0.46 Alpha Ratio 5.81 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 Oct 20 ₹10,000 31 Oct 21 ₹15,830 31 Oct 22 ₹17,783 31 Oct 23 ₹22,422 31 Oct 24 ₹36,974 31 Oct 25 ₹38,950 Returns for Invesco India PSU Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Nov 25 Duration Returns 1 Month 3.2% 3 Month 7.7% 6 Month 11.7% 1 Year 6.9% 3 Year 29.5% 5 Year 31.3% 10 Year 15 Year Since launch 12.6% 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 0.25 Yr. Sagar Gandhi 1 Jul 25 0.25 Yr. Data below for Invesco India PSU Equity Fund as on 31 Aug 25
Equity Sector Allocation
Sector Value Utility 29.05% Industrials 28.51% Financial Services 22.69% Energy 14.07% Basic Materials 4.39% Asset Allocation
Asset Class Value Cash 1.29% Equity 98.71% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bharat Electronics Ltd (Industrials)
Equity, Since 31 Mar 17 | BEL9% ₹128 Cr 3,178,489 State Bank of India (Financial Services)
Equity, Since 28 Feb 21 | SBIN9% ₹124 Cr 1,426,314 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 30 Sep 18 | 5005478% ₹110 Cr 3,229,041 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | HAL8% ₹107 Cr 226,465 NTPC Ltd (Utilities)
Equity, Since 31 May 19 | 5325557% ₹105 Cr 3,085,790 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 28 Feb 22 | 5328987% ₹101 Cr 3,599,413 NTPC Green Energy Ltd (Utilities)
Equity, Since 30 Nov 24 | NTPCGREEN6% ₹85 Cr 8,790,786 NHPC Ltd (Utilities)
Equity, Since 31 Oct 22 | NHPC5% ₹66 Cr 7,649,437 REC Ltd (Financial Services)
Equity, Since 31 Aug 23 | 5329554% ₹55 Cr 1,485,615 GAIL (India) Ltd (Utilities)
Equity, Since 28 Feb 23 | 5321554% ₹54 Cr 3,089,630 3. LIC MF Infrastructure Fund
LIC MF Infrastructure Fund
Growth Launch Date 29 Feb 08 NAV (04 Nov 25) ₹51.1126 ↓ -0.32 (-0.61 %) Net Assets (Cr) ₹995 on 31 Aug 25 Category Equity - Sectoral AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating Risk High Expense Ratio 2.21 Sharpe Ratio -0.47 Information Ratio 0.34 Alpha Ratio -1.71 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 Oct 20 ₹10,000 31 Oct 21 ₹16,982 31 Oct 22 ₹18,599 31 Oct 23 ₹23,073 31 Oct 24 ₹39,075 31 Oct 25 ₹39,641 Returns for LIC MF Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Nov 25 Duration Returns 1 Month 2.2% 3 Month 3.5% 6 Month 17.6% 1 Year 2.2% 3 Year 29.4% 5 Year 31.2% 10 Year 15 Year Since launch 9.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 47.8% 2023 44.4% 2022 7.9% 2021 46.6% 2020 -0.1% 2019 13.3% 2018 -14.6% 2017 42.2% 2016 -2.2% 2015 -6.2% Fund Manager information for LIC MF Infrastructure Fund
Name Since Tenure Yogesh Patil 18 Sep 20 5.04 Yr. Mahesh Bendre 1 Jul 24 1.25 Yr. Data below for LIC MF Infrastructure Fund as on 31 Aug 25
Equity Sector Allocation
Sector Value Industrials 48.29% Basic Materials 9.85% Consumer Cyclical 8.84% Financial Services 8.09% Utility 6.27% Technology 4.21% Health Care 3.5% Real Estate 3.4% Communication Services 2.81% Energy 0.96% Asset Allocation
Asset Class Value Cash 3.77% Equity 96.23% Top Securities Holdings / Portfolio
Name Holding Value Quantity Shakti Pumps (India) Ltd (Industrials)
Equity, Since 31 Mar 24 | SHAKTIPUMP6% ₹57 Cr 693,857 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Apr 09 | LT4% ₹40 Cr 109,584 Afcons Infrastructure Ltd (Industrials)
Equity, Since 31 Oct 24 | AFCONS3% ₹35 Cr 769,765 REC Ltd (Financial Services)
Equity, Since 31 Jul 23 | 5329553% ₹34 Cr 911,009 Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 30 Jun 25 | APOLLOHOSP3% ₹33 Cr 44,149
↓ -2,694 Avalon Technologies Ltd (Technology)
Equity, Since 31 Jul 23 | AVALON3% ₹31 Cr 310,615 Garware Hi-Tech Films Ltd (Basic Materials)
Equity, Since 31 Aug 23 | 5006553% ₹28 Cr 94,287 Schneider Electric Infrastructure Ltd (Industrials)
Equity, Since 31 Dec 23 | SCHNEIDER3% ₹26 Cr 319,302 Bharat Bijlee Ltd (Industrials)
Equity, Since 31 Jul 22 | BBL2% ₹25 Cr 80,133
↑ 5,212 Cummins India Ltd (Industrials)
Equity, Since 31 May 21 | 5004802% ₹24 Cr 62,276
↓ -5,131
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.
AMFI Registration No. 112358 | CIN: U74999MH2016PTC282153
Shepard Technologies Pvt. Ltd. (with ARN code 112358) makes no warranties or representations, express or implied, on products offered through the platform. It accepts no liability for any damages or losses, however caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable.
©2025 Shepard Technologies Private Limited. All Rights Reserved
Research Highlights for DSP World Gold Fund