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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 (%) Sundaram Rural and Consumption Fund Growth ₹95.7333
↓ -0.23 ₹1,495 5,000 14.3 19.9 36.6 20.6 19.9 30.2 Franklin Asian Equity Fund Growth ₹27.8089
↓ -0.07 ₹244 5,000 8 17.1 8.7 -3.7 4.3 0.7 Franklin Build India Fund Growth ₹143.668
↑ 0.42 ₹2,738 5,000 11.6 27.5 67.8 34.4 28.8 51.1 DSP BlackRock Natural Resources and New Energy Fund Growth ₹92.747
↑ 0.67 ₹1,214 1,000 6.3 23.5 49.7 22.1 25 31.2 DSP BlackRock Equity Opportunities Fund Growth ₹608.402
↑ 0.72 ₹13,093 1,000 15.3 26 48.7 20.8 23.6 32.5 DSP BlackRock US Flexible Equity Fund Growth ₹53.8605
↓ -0.62 ₹909 1,000 5 8.3 17.2 9.9 16.4 22 L&T Emerging Businesses Fund Growth ₹85.1137
↓ -0.08 ₹16,397 5,000 14 21.1 49 29.2 30.9 46.1 L&T India Value Fund Growth ₹107.972
↓ -0.21 ₹13,358 5,000 13.2 25 54.1 26.9 25.7 39.4 IDFC Infrastructure Fund Growth ₹55.562
↓ -0.12 ₹1,592 5,000 19 40.6 81.5 34.6 31.3 50.3 Tata India Tax Savings Fund Growth ₹43.3696
↓ -0.03 ₹4,551 500 11.2 19.1 32.5 19.7 19.6 24 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 25 Jul 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 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. Invesco India PSU Equity Fund is a Equity - Sectoral fund was launched on 18 Nov 09. It is a fund with High risk and has given a 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. LIC MF Infrastructure Fund is a Equity - Sectoral fund was launched on 29 Feb 08. It is a fund with High risk and has given a Below is the key information for LIC MF Infrastructure Fund Returns up to 1 year are on 1. SBI PSU Fund
CAGR/Annualized
return of 9.1% 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 (25 Jul 24) ₹33.932 ↑ 0.26 (0.77 %) Net Assets (Cr) ₹3,695 on 30 Jun 24 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating ☆☆ Risk High Expense Ratio 2.52 Sharpe Ratio 2.82 Information Ratio -1.09 Alpha Ratio -5.09 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 30 Jun 19 ₹10,000 30 Jun 20 ₹7,741 30 Jun 21 ₹11,369 30 Jun 22 ₹11,338 30 Jun 23 ₹15,472 30 Jun 24 ₹30,459 Returns for SBI PSU Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 25 Jul 24 Duration Returns 1 Month 4.1% 3 Month 9.7% 6 Month 28.3% 1 Year 86.1% 3 Year 40.7% 5 Year 27.3% 10 Year 15 Year Since launch 9.1% 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 Rohit Shimpi 1 Jun 24 0.08 Yr. Data below for SBI PSU Fund as on 30 Jun 24
Equity Sector Allocation
Sector Value Financial Services 31.38% Utility 22.65% Energy 15.95% Industrials 13.12% Basic Materials 8.45% Asset Allocation
Asset Class Value Cash 8.45% Equity 91.55% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank of India (Financial Services)
Equity, Since 31 Jul 10 | SBIN14% ₹524 Cr 6,177,500
↑ 2,300,000 GAIL (India) Ltd (Utilities)
Equity, Since 31 May 24 | GAIL9% ₹340 Cr 15,500,000
↑ 12,450,000 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jul 10 | POWERGRID9% ₹332 Cr 10,035,554
↑ 4,150,000 NTPC Ltd (Utilities)
Equity, Since 31 Jul 10 | NTPC4% ₹164 Cr 4,343,244 Bharat Electronics Ltd (Industrials)
Equity, Since 30 Jun 24 | BEL4% ₹147 Cr 4,800,000
↑ 4,800,000 Coal India Ltd (Energy)
Equity, Since 30 Sep 21 | COALINDIA4% ₹130 Cr 2,750,000 Life Insurance Corporation of India (Financial Services)
Equity, Since 29 Feb 24 | 5435264% ₹130 Cr 1,310,000
↑ 460,000 Petronet LNG Ltd (Energy)
Equity, Since 30 Jun 24 | PETRONET3% ₹116 Cr 3,500,000
↑ 3,500,000 General Insurance Corp of India (Financial Services)
Equity, Since 31 May 24 | GICRE3% ₹114 Cr 3,000,000
↑ 1,800,000 SBI Life Insurance Company Limited (Financial Services)
Equity, Since 30 Jun 24 | SBILIFE3% ₹112 Cr 750,000
↑ 750,000 2. Invesco India PSU Equity Fund
CAGR/Annualized
return of 13.9% since its launch. Ranked 33 in Sectoral
category. Return for 2023 was 54.5% , 2022 was 20.5% and 2021 was 31.1% . Invesco India PSU Equity Fund
Growth Launch Date 18 Nov 09 NAV (25 Jul 24) ₹67.76 ↓ -0.01 (-0.01 %) Net Assets (Cr) ₹1,363 on 30 Jun 24 Category Equity - Sectoral AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk High Expense Ratio 2.46 Sharpe Ratio 3.34 Information Ratio -0.8 Alpha Ratio 6.33 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 30 Jun 19 ₹10,000 30 Jun 20 ₹9,836 30 Jun 21 ₹13,587 30 Jun 22 ₹13,209 30 Jun 23 ₹18,874 30 Jun 24 ₹36,818 Returns for Invesco India PSU Equity Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 25 Jul 24 Duration Returns 1 Month 1.7% 3 Month 15% 6 Month 36.9% 1 Year 84.6% 3 Year 39.3% 5 Year 31.8% 10 Year 15 Year Since launch 13.9% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 54.5% Fund Manager information for Invesco India PSU Equity Fund
Name Since Tenure Dhimant Kothari 19 May 20 4.12 Yr. Data below for Invesco India PSU Equity Fund as on 30 Jun 24
Equity Sector Allocation
Sector Value Industrials 36.61% Financial Services 23.51% Utility 22.33% Energy 14.56% Asset Allocation
Asset Class Value Cash 2.99% Equity 97.01% Top Securities Holdings / Portfolio
Name Holding Value Quantity Power Grid Corp Of India Ltd (Utilities)
Equity, Since 28 Feb 22 | POWERGRID9% ₹118 Cr 3,556,510
↑ 897,947 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | HAL9% ₹117 Cr 221,859 Bharat Electronics Ltd (Industrials)
Equity, Since 31 Mar 17 | BEL8% ₹114 Cr 3,715,873 NTPC Ltd (Utilities)
Equity, Since 31 May 19 | NTPC8% ₹104 Cr 2,741,416
↑ 223,921 State Bank of India (Financial Services)
Equity, Since 28 Feb 21 | SBIN7% ₹101 Cr 1,189,110
↑ 114,962 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 30 Sep 18 | BPCL6% ₹84 Cr 2,775,528
↑ 1,220,272 Coal India Ltd (Energy)
Equity, Since 31 Aug 23 | COALINDIA6% ₹81 Cr 1,711,852 Bank of Baroda (Financial Services)
Equity, Since 30 Jun 21 | BANKBARODA5% ₹71 Cr 2,560,301
↑ 1,092,411 Bharat Dynamics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | BDL5% ₹70 Cr 439,050
↑ 16,813 BEML Ltd (Industrials)
Equity, Since 31 Aug 23 | BEML4% ₹55 Cr 124,817 3. LIC MF Infrastructure Fund
CAGR/Annualized
return of 10.5% since its launch. Return for 2023 was 44.4% , 2022 was 7.9% and 2021 was 46.6% . LIC MF Infrastructure Fund
Growth Launch Date 29 Feb 08 NAV (25 Jul 24) ₹51.0851 ↑ 0.28 (0.55 %) Net Assets (Cr) ₹430 on 30 Jun 24 Category Equity - Sectoral AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating Risk High Expense Ratio 2.29 Sharpe Ratio 4.18 Information Ratio 0.83 Alpha Ratio 37.85 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 30 Jun 19 ₹10,000 30 Jun 20 ₹7,955 30 Jun 21 ₹12,715 30 Jun 22 ₹14,161 30 Jun 23 ₹18,029 30 Jun 24 ₹33,400 Returns for LIC MF Infrastructure Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 25 Jul 24 Duration Returns 1 Month 4% 3 Month 23.9% 6 Month 43.2% 1 Year 83% 3 Year 37.7% 5 Year 29.6% 10 Year 15 Year Since launch 10.5% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 49.6% Fund Manager information for LIC MF Infrastructure Fund
Name Since Tenure Yogesh Patil 18 Sep 20 3.79 Yr. Mahesh Bendre 1 Jul 24 0 Yr. Data below for LIC MF Infrastructure Fund as on 30 Jun 24
Equity Sector Allocation
Sector Value Industrials 56.79% Basic Materials 9.34% Utility 8.35% Consumer Cyclical 7.16% Financial Services 5.04% Technology 2.88% Real Estate 2.32% Health Care 0.85% Communication Services 0.65% Asset Allocation
Asset Class Value Cash 6.62% Equity 93.38% Top Securities Holdings / Portfolio
Name Holding Value Quantity Schneider Electric Infrastructure Ltd (Industrials)
Equity, Since 31 Dec 23 | SCHNEIDER4% ₹17 Cr 201,633
↑ 23,278 Bharat Bijlee Ltd (Industrials)
Equity, Since 31 Jul 22 | BBL4% ₹17 Cr 37,266
↑ 2,018 Garware Hi-Tech Films Ltd (Basic Materials)
Equity, Since 31 Aug 23 | 5006554% ₹17 Cr 72,151
↓ -4,188 Shakti Pumps (India) Ltd (Industrials)
Equity, Since 31 Mar 24 | SHAKTIPUMP4% ₹15 Cr 41,374 Texmaco Rail & Engineering Ltd (Industrials)
Equity, Since 30 Nov 23 | TEXRAIL3% ₹15 Cr 597,104 Gujarat State Petronet Ltd (Utilities)
Equity, Since 31 Oct 20 | GSPL3% ₹14 Cr 475,703
↑ 178,599 Cummins India Ltd (Industrials)
Equity, Since 31 May 21 | CUMMINSIND3% ₹13 Cr 33,813 GE T&D India Ltd (Industrials)
Equity, Since 31 Jan 24 | GET&D3% ₹13 Cr 86,036 Kirloskar Oil Engines Ltd (Industrials)
Equity, Since 31 Oct 23 | KIRLOSENG2% ₹10 Cr 72,593 REC Ltd (Financial Services)
Equity, Since 31 Jul 23 | RECLTD2% ₹10 Cr 187,819