Lumpsum Calculator

Lumpsum investment means investing a large amount of money at one time, as opposed to periodic investments like SIP. It's suitable when you have a significant amount ready to invest.

Neither is universally better. Lumpsum works well in rising markets and when you have funds available. SIP averages out market volatility through rupee cost averaging. Consider your risk tolerance and market conditions.

Lumpsum returns are calculated using compound interest formula: A = P(1+r)^t, where P is principal, r is annual return rate, and t is time in years. The calculator shows year-wise growth of your investment.

Expected returns vary by asset class: Equity mutual funds (12-15%), Debt funds (6-8%), Hybrid funds (8-10%), Index funds (10-12%). Historical returns don't guarantee future performance.

Choose lumpsum when: you have a large sum available, markets are at lower levels, you have long investment horizon, and you're comfortable with short-term volatility. SIP is better for regular income earners.