Lumpsum Calculator
One-time investment growth with compounding.
₹5,000₹1,00,00,000
4%25%
1 yr35 yr
Projected value
₹15.53 L
Invested₹5,00,000
Estimated gains₹10,52,924
Invested32%
Gains68%
Returns are assumed constant for illustration. Market-linked investments fluctuate; past performance doesn't guarantee future results.
The power of leaving money alone
A lumpsum compounds as P × (1+r)ᵗ. At 12%, money doubles roughly every 6 years (the Rule of 72) — ₹5 lakh untouched for 18 years projects to about ₹38 lakh. Time in the market does the heavy lifting, not timing.
Frequently asked questions
Lumpsum or SIP for money I already have?
If the money is already in hand, investing it soon (possibly staggered over 3–6 months) usually beats dripping it over years. SIP is primarily for money that arrives monthly.
Related calculators
Numbers look good? Let's make them real.
Get matched to the right lender at the best rate your profile deserves — free, with a QCred advisor on your side.
Apply Now — It's Free