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Lumpsum Calculator
If you have been planning to invest a lumpsum amount in a mutual fund scheme but are unsure of the maturity amount you can expect from your investment, then the lumpsum calculator is just the thing you need. It is an online tool that helps calculate the estimated future value of your lumpsum investment based on the amount invested, the time horizon, and the expected rate of return.
Total Investment
Interest Rate (P.A)
Period In Years
Total Value

Mutual funds in India have grown in popularity because of their intrinsic nature to target several investors sharing a common investment objective. They also allow individuals to invest in equities, bonds, and other money market instruments or/and securities. The income generated from these collective investment instruments is then distributed proportionately in the form of returns amongst the investors (after the deduction of certain expenses).

To many people, mutual fund investments seem like a simpler way to start their journey as an investor. If you want to invest money in mutual funds, you should know that you can choose either a Systematic Investment Plan (SIP) or the lumpsum route. Before we move toward the lumpsum calculator part to help you analyse expected returns, let’s understand these two investment approaches in brief.

  • Under the lumpsum investments approach, you choose to invest a certain sum in a single transaction. It is preferred by both experienced and beginner investors who are quite dependent on the appreciation of the value of stocks in their portfolios to create wealth. If you have a considerable risk appetite and a sizeable amount, you can use this mutual fund investment approach.
  • With SIP investments, you invest a certain amount in the preferred mutual fund scheme at regular intervals. While the periodicity in SIP can be daily, weekly, monthly, quarterly, or annually, you can invest as low as Rs. 500 at a time. This is highly suitable for building a financial discipline.

Irrespective of the approach you choose, you would want to get an idea of the returns you can expect from the amount you invest during a specific period. This is where online investment calculators can help you out. Here, we will cover the usage of the lumpsum calculator in detail.

What is a Lumpsum Calculator?

A lumpsum calculator is an online tool that can help you compute the estimated future value of your mutual fund investments- for the expected rate of return.

An online lumpsum mutual fund calculator will ask you to enter:

  • The amount to be invested
  • Duration of the investment (in years)
  • Expected rate of return per annum

For example, if you invest Rs. 1 Lakh for 30 years with an expectation of returns at the rate of 12% per annum, you will get an estimated return of Rs. 28,95,992.

How Can a Lumpsum Calculator Help You?

As a mutual fund investor, you can use a lump sum return calculator to figure out the estimated returns from your one- time investment. Some of the benefits of using a lumpsum investment calculator are as follows:

  • It can help you plan and manage your finances better to make room for the required investments for the fulfillment of various life goals.
  • Using a lumpsum calculator is much better than spending time calculating returns manually. It also helps avoid human errors that can make you set unrealistic expectations otherwise.
  • This calculator can also help you understand whether you can reach certain financial goals within a specific period based on your financial profile.
  • It can also be used to compare different mutual fund schemes in terms of the returns you can expect. You can then select the one that meets your financial needs.
  • Irrespective of your experience of investing in mutual fund schemes, you can easily use a lumpsum calculator.

Being an investor, you should keep in mind that it is difficult to predict the returns with high accuracy because of the market-related risks, whether you use a lump sum calculator or not.

Formula to Calculate MF Returns

Although the value of your investments depends on market conditions, all lumpsum investment calculators use a specific formula to compute the return on an investment amount. At its core, the formula is related to the compound interest calculation, which covers how many times the interest is compounded in a year. Here is the formula on which this calculator is based:

A = P (1 + r/n) ^ nt

Where A = Estimated return value or maturity value of your investment
P = Present value or the amount you invest
r = Estimated rate of return in percentage
t = Duration or investment period (in years)
n = number of times the interest is compounded in twelve months

Let’s consider an example to check how this formula works:

You want to invest Rs. 50,000 in a mutual fund scheme for seven years in which the interest is assumed to be compounded annually. If you are expecting this scheme to deliver returns at the rate of 12% per annum, the estimated return after seven years will be:

A = 50,000 (1 + 12) ^ 7 = Rs. 1,10,535

As you can see here, using this complicated formula manually to calculate expected returns can be challenging for many. This is where an MF lumpsum calculator can come to your rescue. You can use the Nippon Lumpsum Calculator to simplify this task. You can also change the value of terms (P, r, t, and n) to check how the returns would vary for different schemes.

How to Use the Nippon Lumpsum Calculator?

Nippon Lumpsum Calculator is a highly recommended online tool that can help you compute the future value of your lumpsum investment in a few seconds. All you need to enter is the investment duration, investment amount, and expected rate of returns.

Follow the steps given below to use the Nippon Lump sum Calculator:

  • Choose the amount you want to invest
  • Enter the duration for which you want to stay invested (for example - 10 years from the date of investment)
  • Based on your investment strategy, which can be either conservative or reactive, you can choose to invest the amount as per estimated returns* calculated.


1. What is the difference between SIP and lumpsum mutual fund investments?

With the SIP route to invest in mutual funds, you can start investing a particular amount in a preferred mutual fund scheme at regular intervals. On the other hand, lumpsum mutual fund investments are made at once while the investor continues to keep the amount invested for a suitable tenure.

2. What is more advantageous - SIP or lumpsum investments?

Each of these investment approaches has distinct pros and cons. On one hand, lumpsum investment can free you from various hassles related to keeping track of the amount to be invested month on month. But it may also create a financial burden while investmenting.SIP, on the other hand, does not create financial stress as you can choose the SIP amount as per your income. It is up to you to decide which route you would like to select.

3. Is it good to invest a lumpsum amount in mutual funds online?

Most mutual fund investment processes have shifted online in the current Internet-savvy age. You can make the investments via the official websites of chosen mutual fund scheme providers or use third-party platforms for such needs. It is safe to invest in mutual funds online provided you follow a legitimate method for the same and the intermediary you choose is registered with SEBI.

4. Can I get the benefit of rupee cost averaging with lumpsum mutual fund investments?

The concept of rupee cost averaging simply means averaging out the total cost of buying units of a mutual fund scheme. Since you can only calculate the average with multiple investments in a scheme, it does not hold much importance with lumpsum investments in mutual funds.

5. What is the minimum amount you need to make a lumpsum mutual fund investment?

This mainly depends on the scheme you select and the terms of the related fund house.

6. Are lumpsum investments also subject to market risk?

In general, all the investments you make into a mutual fund scheme are subject to market-related risks, irrespective of whether you invest a lumpsum amount or via SIP.

7. Can I invest a lumpsum amount in mutual funds every month?

Most investors who want to make a one-time investment prefer the lumpsum route to invest in mutual fund schemes. However, if you want to invest a certain amount every month, you can start a SIP with the same scheme.

The calculator results are for illustration purpose only. Please get in touch with a professional advisor for a detailed suggestion. The calculations are not based on any judgments of the future return of the debt and equity markets / sectors or of any individual security and should not be construed as a promise on minimum returns and/or safeguard of capital. While utmost care has been exercised while preparing the calculator, NIMF does not warrant the completeness or guarantee that the achieved computations are flawless and/or accurate and disclaims all liabilities, losses and damages arising out of the use or in respect of anything done in reliance of the calculator. The examples do not purport to represent the performance of any security or investments. Given the individual nature of tax consequences, each investor is advised to consult his/her professional tax/financial advisor before making any investment decision.

The information herein is meant only for general reading purposes and the views being expressed only constitute opinions and therefore cannot be considered as guidelines, recommendations or as a professional guide for the readers. The document has been prepared on the basis of publicly available information, internally developed data and other sources believed to be reliable. The sponsor, the Investment Manager, the Trustee or any of their directors, employees, associates or representatives (“entities & their associates”) do not assume any responsibility for, or warrant the accuracy, completeness, adequacy and reliability of such information. Recipients of this information are advised to rely on their own analysis, interpretations & investigations. Readers are also advised to seek independent professional advice in order to arrive at an informed investment decision. Entities & their affiliates including persons involved in the preparation or issuance of this material shall not be liable in any way for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including on account of lost profits arising from the information contained in this material. Recipient alone shall be fully responsible for any decision taken on the basis of this document.


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