Lumpsum calculator — one-shot into a fund, then wait.
Complement to the SIP calculator. When you have a bonus, inheritance, or property windfall to deploy at once, this shows the clean future value at a chosen CAGR over your tenure — plus the inflation-adjusted real value so you don't over-estimate purchasing power.
Your lump-sum
12% = long-term equity average. 9% = balanced fund. 7% = debt fund. Factor in your risk tolerance + tenure.
Lump-sum vs SIP — which is better?
Mathematically, a lump-sum invested at day zero always outperforms the same rupees spread as a SIP over the same period — because every rupee gets maximum compounding time. But that ignores the real-world risk of investing a large sum at a market peak.
Heuristic: if you have ₹10 L now, don't lump-sum into pure equity. Split it into a 6-12 month STP (Systematic Transfer Plan) from a liquid fund into your target equity fund. You capture most of the lump-sum benefit while averaging out the entry price.
Tax
- • Equity MF held ≥ 12 mo: LTCG 12.5% on gains above ₹1.25L annual exemption
- • Equity MF held < 12 mo: STCG 20% (Budget 2024 raised from 15%)
- • Debt MF: taxed at slab rate, no indexation after April 2023
- • ELSS lump-sum: 3-year lock-in, otherwise same as equity MF tax
Lumpsum vs SIP
On paper a lump-sum at day zero always beats the same amount spread as a SIP — more time in market = more compounding. But lump-sum carries a big behavioural tail: if the market corrects 20% the month after you deploy ₹20L, you stare at ₹4L of red for 6+ months. Most retail investors panic-exit.
The STP compromise: Park the lumpsum in a liquid fund. Set up a Systematic Transfer Plan that auto-moves ~1/12 of it into your target equity fund each month for a year. You capture ~90% of the lumpsum advantage while smoothing out the entry price.
CAGR benchmarks (long-term)
- • Large-cap index (NIFTY 50) — 12% over 20 years
- • Flexi-cap / multi-cap active — 13-14% top quartile, 10-11% median
- • Mid/small-cap — 15-17% with significant drawdown risk
- • Balanced / hybrid — 9-11% with ~70% equity
- • Debt (medium-duration) — 7-8% pre-tax
- • Liquid / overnight — 6-7% (parking only)
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Research tool · not investment advice.
Axel Markets is an information + analytics product. We are not a SEBI-registered Research Analyst (RA) or Investment Adviser (IA). Nothing on this page is a buy, sell, or hold recommendation. Past performance is not indicative of future returns. Verify all data against the authoritative source (NSE, BSE, AMFI, SEBI, company RHP / factsheet) before acting. CAGR benchmarks are historical 15-20 year averages. Single-decade returns can deviate meaningfully. Past performance is not indicative of future returns.