Lumpsum Calculator — ₹10 Lakh One-Time Investment
Project what a one-time ₹10 lakh investment — a common amount from a bonus, inheritance, or asset sale — grows into over time.
Lumpsum Calculator — pre-filled with these numbers
Opens the full calculator with these values already set, in your own currency — adjust anything and the result updates instantly.
Open calculator →A single lumpsum compounds annually at your chosen CAGR: value = amount × (1+rate)^years. Unlike SIP, timing matters enormously here — the entire amount is exposed to market returns from day one, so sequence-of-returns risk is higher.
Equity investments held over 1 year qualify for LTCG, taxed at 12.5% above a ₹1.25L exemption per year (July 2024 rules); under 1 year is short-term, taxed at 20%. Debt/other funds are taxed at your slab regardless of holding period.
Can I invest ₹10 lakh as a lumpsum or spread it out?
Compare this page's projection against the Lumpsum vs SIP guide to see the trade-off between investing it all now versus staggering it in over time.
Is this a simplified version of the real calculator?
No — it's the exact same calculator, opened with these values already filled in. There's no separate, simplified math happening on this page; everything below adjusts once you open it.