Illustration only, at the rate you selected. Returns are not assured and actual results will differ. Taxes and exit loads are not included.
How the lumpsum calculator works
It applies annual compounding: FV = P × (1 + r)n, where P is the amount invested once, r the yearly rate you assume and n the number of years. Markets do not move in a straight line, so try several rates to see a range instead of relying on one number.
Lumpsum or SIP?
A lumpsum puts the whole amount to work on day one; a SIP spreads purchases over time. Read SIP vs lumpsum and lumpsum investing in mutual funds for the trade-offs.
More tools: SIP calculator · Lumpsum calculator · Step-up SIP calculator · SWP calculator · all 26 calculators · goal wizard. Ready to invest? See the PCJ Wealth app.
Frequently asked questions
How is lumpsum growth calculated?
With annual compounding: future value = amount x (1 + rate) to the power of years. The result is an illustration at the rate you enter, not a predicted or guaranteed return.
What is the minimum lumpsum in a mutual fund?
It depends on the scheme; many accept Rs 1,000 to Rs 5,000 as a first purchase. The minimum is shown on each fund page in the PCJ Wealth app.
Is lumpsum better than SIP?
Neither is always better. A lumpsum is fully invested from the start, while a SIP averages your purchase cost over time. The choice depends on your cash flow and comfort with market swings.