What return should I assume?

Be conservative: 10–12% for equity funds, 7–8% for hybrid, 6–7% for debt. Past performance is not guaranteed — use long-term category averages, not the last 1-year return.

Should I do lumpsum or SIP?

If the market just corrected 15%+ or you have a long horizon (10+ years), lumpsum is fine. Otherwise STP (Systematic Transfer Plan) from liquid → equity over 6–12 months reduces timing risk.

Are mutual fund returns taxed?

Equity: 12.5% LTCG above ₹1.25L (held >1 yr), 20% STCG (held ≤1 yr). Debt: at slab rate regardless of holding period (post-2023 rules).

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Investing

Mutual Fund Returns Calculator

Project lumpsum mutual fund growth across horizons with annualized compounding.

Inputs

Lumpsum investment

₹1,000₹5,00,000₹10,00,00,000

Expected return rate

1%Equity: 10–12% typical30%

Tenure

yrs

1 yrs1550 yrs

Results

Invested

₹5,00,000

Returns

₹22,36,783

Future value

₹27,36,783

About lumpsum mutual fund returns

A lumpsum mutual fund investment is a one-time deposit into a fund that compounds at the fund's NAV-based return. This calculator projects the future value of any lumpsum amount.

Lumpsums work best when invested in falling markets or after corrections. In rising or volatile markets, SIPs typically outperform lumpsums for retail investors.

Lumpsum formula

FV = P × (1 + r)^n

FV — Future value
P — Lumpsum invested
r — Annual return rate (%)
n — Tenure in years

Example: ₹5L lumpsum at 12% for 15 years

Investment: ₹5,00,000
Annual return: 12%
Tenure: 15 years
Future value: ₹27,35,346
Returns: ₹22,35,346

A ₹5L lumpsum at 12% grows to over ₹27L in 15 years — more than 5× the original.

Frequently asked

When lumpsum makes sense

1Inheritance or windfall — large amount, long horizon.
2After market corrections of 15%+.
3When transitioning between fund houses (with proper exit load timing).
4For tax-loss harvesting redeployment.
5Sale proceeds from real estate or gold reinvestment.

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