Lumpsum Calculator
One-time investment ka future value dekhein — bonus, maturity ya savings ka ek saath invest karne par kitna ban sakta hai.
How lumpsum returns are calculated
Lumpsum growth assumes the money compounds once per year at a fixed rate:
where P is the invested amount, r the expected annual return and t the years held. Example: ₹1,00,000 at 12% for 10 years = 1,00,000 × (1.12)^10 ≈ ₹3,10,585.
Important: mutual fund returns market se milte hain, fixed nahi. Ek saal +30%, agle saal −10% ho sakta hai. Ye calculator ek constant average return maan kar estimate deta hai — actual value alag ho sakti hai.
FAQ
Lumpsum better hai ya SIP?
Lumpsum tabhi better hota hai jab market aage badhne ka strong chance ho, kyunki pura paisa jaldi se compounding shuru kar deta hai. Par market timing mushkil hai — isliye regular income waalon ke liye SIP generally safer aur disciplined option mana jaata hai. Bonus/maturity jaise one-time paise ke liye lumpsum (ya STP ke through dheere-dheere) sensible hai.
12% return realistic hai?
Historically, Nifty/Sensex ne long periods me ~11–14% annual diya hai, aur diversified equity funds ne iske aas-paas. Par ye average hai — koi bhi specific 10 saal me returns 6% se 18% tak ho sakte hain. Guaranteed nahi. Conservative planning ke liye 9–10% use karein.
Mutual fund gains par tax lagta hai?
Haan. Equity funds me 1 saal se kam hold = STCG (20%), aur 1 saal se zyada hold = LTCG (12.5%, ₹1.25 lakh annual gain ke baad) — rates FY2026-27 ke hisaab se verify karein. Debt funds alag rules par taxed hote hain, slab rate ke hisaab se. Is calculator me tax included nahi hai.
Inflation adjust karke dikhayein?
Aap return rate se inflation minus karke dekh sakte hain: agar 12% return aur ~5% average inflation expect kar rahe hain, to "real" growth ke liye 7% daal kar dekhein. Aaj ke paise ki value me picture aisi banti hai.