Lumpsum Calculator

At 12% a year before expenses, about ₹2.67 lakh after a 1.5% expense ratio, or ₹2.95 lakh in a direct plan at 0.5%, before tax on redemption.

Future value = amount × (1 + return)^years. ₹1 lakh at 12% for 10 years grows to ₹3,10,585 before expenses. After a 1.5% expense ratio the return is 10.32% and the value ₹2,67,019.

More than it looks, because it compounds. ₹5 lakh for 15 years at 12% before expenses ends at ₹21.8 lakh in a regular plan charging 1.5% and ₹25.4 lakh in the direct plan charging 0.5%: the 1% difference costs about ₹3.6 lakh.

On redemption, on the gain only. In an equity fund held over a year, gains above ₹1.25 lakh in the year are taxed at 12.5% (plus cess); within a year, 20%. In a debt fund bought from April 2023, gains are taxed at your slab rate. On ₹5 lakh grown to ₹21.8 lakh in an equity fund, the tax is about ₹2 lakh.

With the same total and a steady return, lumpsum ends higher because all the money is invested from day one: ₹5 lakh at once grows to ₹21.8 lakh, the same ₹5 lakh spread monthly over 15 years to about ₹11.4 lakh. SIP spreads the risk of investing just before a fall and suits money that arrives monthly.

Before expenses, Indian equity funds have returned roughly 10% to 13% a year over long periods, with large swings; debt funds about 6% to 8%. Use a conservative figure, and enter the fund’s actual expense ratio from its factsheet.

Yes: a lumpsum calculator, mutual fund calculator and mutual fund return calculator for a one-time investment, with the expense ratio, tax and a SIP comparison. It is also a lumpsum investment calculator and one time investment calculator.

Yes: a lump sum investment calculator and MF lumpsum calculator for a one-time investment in any mutual fund, showing what it grows to at the return you expect.