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Lumpsum Calculator

Updated on May 16, 2025 , 19090 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 (%)2024 (%)
DSP BlackRock Natural Resources and New Energy Fund Growth ₹88.441
↑ 0.87
₹1,232 1,000 11.92.1-1.319.530.713.9
DSP BlackRock Equity Opportunities Fund Growth ₹611.071
↑ 1.56
₹13,784 1,000 11.13.81424.527.323.9
DSP BlackRock US Flexible Equity Fund Growth ₹58.0864
↓ -0.04
₹786 1,000 -5.22.48.714.517.517.8
L&T Emerging Businesses Fund Growth ₹78.4816
↑ 1.02
₹13,334 5,000 10.4-5.72.924.137.328.5
L&T India Value Fund Growth ₹106.621
↑ 0.29
₹12,600 5,000 11.5210.226.931.325.9
IDFC Infrastructure Fund Growth ₹50.063
↑ 0.44
₹1,563 5,000 16.60.92.931.837.739.3
Tata India Tax Savings Fund Growth ₹43.4528
↑ 0.04
₹4,335 500 9.11.312.119.724.319.5
Aditya Birla Sun Life Banking And Financial Services Fund Growth ₹59.86
↑ 0.09
₹3,248 1,000 14.69.815.921.326.18.7
Aditya Birla Sun Life Small Cap Fund Growth ₹82.2683
↑ 0.50
₹4,416 1,000 13.4-3.14.720.630.521.5
Axis Focused 25 Fund Growth ₹54.6
↑ 0.11
₹12,347 5,000 10.65.311.513.117.614.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 15 May 25

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 2025

*Best funds based on 3 year performance.

1. Invesco India PSU Equity Fund

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 CAGR/Annualized return of 12.7% since its launch.  Ranked 33 in Sectoral category.  Return for 2024 was 25.6% , 2023 was 54.5% and 2022 was 20.5% .

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund
Growth
Launch Date 18 Nov 09
NAV (16 May 25) ₹63.39 ↑ 1.40   (2.26 %)
Net Assets (Cr) ₹1,217 on 31 Mar 25
Category Equity - Sectoral
AMC Invesco Asset Management (India) Private Ltd
Rating
Risk High
Expense Ratio 2.39
Sharpe Ratio 0.06
Information Ratio -0.47
Alpha Ratio 3.27
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
30 Apr 20₹10,000
30 Apr 21₹13,016
30 Apr 22₹15,751
30 Apr 23₹18,697
30 Apr 24₹34,953
30 Apr 25₹35,141

Invesco India PSU Equity Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹657,502.
Net Profit of ₹357,502
Invest Now

Returns for Invesco India PSU Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 May 25

DurationReturns
1 Month 8.6%
3 Month 21.9%
6 Month 5.3%
1 Year 4.1%
3 Year 36.1%
5 Year 31.7%
10 Year
15 Year
Since launch 12.7%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Dhimant Kothari19 May 204.95 Yr.

Data below for Invesco India PSU Equity Fund as on 31 Mar 25

Equity Sector Allocation
SectorValue
Industrials29.89%
Utility24.4%
Financial Services21.04%
Energy18.32%
Basic Materials5.7%
Asset Allocation
Asset ClassValue
Cash0.66%
Equity99.34%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Bharat Electronics Ltd (Industrials)
Equity, Since 31 Mar 17 | BEL
10%₹117 Cr3,894,619
Power Grid Corp Of India Ltd (Utilities)
Equity, Since 28 Feb 22 | 532898
9%₹105 Cr3,599,413
State Bank of India (Financial Services)
Equity, Since 28 Feb 21 | SBIN
8%₹97 Cr1,251,543
Bharat Petroleum Corp Ltd (Energy)
Equity, Since 30 Sep 18 | 500547
8%₹96 Cr3,445,961
Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | HAL
6%₹73 Cr175,355
Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 31 Aug 24 | 500312
6%₹71 Cr2,868,783
NTPC Green Energy Ltd (Utilities)
Equity, Since 30 Nov 24 | NTPCGREEN
5%₹59 Cr5,911,723
Hindustan Petroleum Corp Ltd (Energy)
Equity, Since 30 Nov 23 | HINDPETRO
5%₹56 Cr1,564,169
NTPC Ltd (Utilities)
Equity, Since 31 May 19 | 532555
5%₹56 Cr1,570,631
BEML Ltd (Industrials)
Equity, Since 31 Aug 23 | 500048
4%₹49 Cr152,998

2. 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% since its launch.  Ranked 31 in Sectoral category.  Return for 2024 was 23.5% , 2023 was 54% and 2022 was 29% .

Below is the key information for SBI PSU Fund

SBI PSU Fund
Growth
Launch Date 7 Jul 10
NAV (16 May 25) ₹31.5714 ↑ 0.27   (0.85 %)
Net Assets (Cr) ₹4,789 on 31 Mar 25
Category Equity - Sectoral
AMC SBI Funds Management Private Limited
Rating
Risk High
Expense Ratio 2.3
Sharpe Ratio 0.07
Information Ratio -0.23
Alpha Ratio 3.14
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
30 Apr 20₹10,000
30 Apr 21₹13,521
30 Apr 22₹16,823
30 Apr 23₹19,878
30 Apr 24₹39,001
30 Apr 25₹38,272

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 ₹689,048.
Net Profit of ₹389,048
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 16 May 25

DurationReturns
1 Month 4.5%
3 Month 15.5%
6 Month 2.8%
1 Year 0.8%
3 Year 35.4%
5 Year 33%
10 Year
15 Year
Since launch 8%
Historical performance (Yearly) on absolute basis
YearReturns
2024 23.5%
2023 54%
2022 29%
2021 32.4%
2020 -10%
2019 6%
2018 -23.8%
2017 21.9%
2016 16.2%
2015 -11.1%
Fund Manager information for SBI PSU Fund
NameSinceTenure
Rohit Shimpi1 Jun 240.91 Yr.

Data below for SBI PSU Fund as on 31 Mar 25

Equity Sector Allocation
SectorValue
Financial Services35.59%
Utility30.25%
Energy15.7%
Industrials9.6%
Basic Materials5.14%
Asset Allocation
Asset ClassValue
Cash3.7%
Equity96.3%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
State Bank of India (Financial Services)
Equity, Since 31 Jul 10 | SBIN
13%₹676 Cr8,577,500
GAIL (India) Ltd (Utilities)
Equity, Since 31 May 24 | 532155
10%₹487 Cr25,750,000
Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jul 10 | 532898
9%₹465 Cr15,135,554
NTPC Ltd (Utilities)
Equity, Since 31 Jul 10 | 532555
9%₹431 Cr12,143,244
↑ 1,400,000
Bharat Electronics Ltd (Industrials)
Equity, Since 30 Jun 24 | BEL
8%₹426 Cr13,575,000
Bharat Petroleum Corp Ltd (Energy)
Equity, Since 31 Aug 24 | 500547
6%₹301 Cr9,700,000
Bank of Baroda (Financial Services)
Equity, Since 31 Aug 24 | 532134
5%₹275 Cr11,000,000
NMDC Ltd (Basic Materials)
Equity, Since 31 Oct 23 | 526371
4%₹181 Cr27,900,000
General Insurance Corp of India (Financial Services)
Equity, Since 31 May 24 | GICRE
3%₹173 Cr4,150,000
Oil India Ltd (Energy)
Equity, Since 31 Mar 24 | OIL
3%₹158 Cr3,850,000

3. 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 2024 was 23% , 2023 was 55.4% and 2022 was 19.3% .

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund
Growth
Launch Date 10 Mar 08
NAV (16 May 25) ₹46.934 ↑ 0.29   (0.62 %)
Net Assets (Cr) ₹2,329 on 31 Mar 25
Category Equity - Sectoral
AMC HDFC Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.31
Sharpe Ratio -0.01
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
30 Apr 20₹10,000
30 Apr 21₹15,304
30 Apr 22₹20,191
30 Apr 23₹23,618
30 Apr 24₹43,071
30 Apr 25₹43,168

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 ₹756,118.
Net Profit of ₹456,118
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 16 May 25

DurationReturns
1 Month 6.4%
3 Month 15.3%
6 Month 2.9%
1 Year 6%
3 Year 35.1%
5 Year 37.7%
10 Year
15 Year
Since launch
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Srinivasan Ramamurthy12 Jan 241.3 Yr.
Dhruv Muchhal22 Jun 231.86 Yr.

Data below for HDFC Infrastructure Fund as on 31 Mar 25

Equity Sector Allocation
SectorValue
Industrials38.73%
Financial Services20.42%
Basic Materials10.95%
Utility7.64%
Energy7.08%
Communication Services3.68%
Health Care1.7%
Technology1.31%
Real Estate0.84%
Consumer Cyclical0.48%
Asset Allocation
Asset ClassValue
Cash6.07%
Equity92.83%
Debt1.1%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK
8%₹175 Cr1,300,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT
6%₹133 Cr380,000
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 23 | HDFCBANK
5%₹128 Cr700,000
J Kumar Infraprojects Ltd (Industrials)
Equity, Since 31 Oct 15 | JKIL
4%₹92 Cr1,450,000
NTPC Ltd (Utilities)
Equity, Since 31 Dec 17 | 532555
3%₹79 Cr2,200,000
InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Dec 21 | INDIGO
3%₹77 Cr150,000
Kalpataru Projects International Ltd (Industrials)
Equity, Since 31 Jan 23 | 522287
3%₹74 Cr758,285
Coal India Ltd (Energy)
Equity, Since 31 Oct 18 | COALINDIA
3%₹68 Cr1,700,000
Reliance Industries Ltd (Energy)
Equity, Since 31 May 24 | RELIANCE
3%₹64 Cr500,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 20 | BHARTIARTL
3%₹61 Cr350,000

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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