Lump Sum Calculator
One-time investment returns — CAGR, wealth multiple, post-tax
Gross — expense ratio will be deducted
Direct plans: ~0.1–0.5%. Regular plans: 1–2%.
Usually 1% if redeemed within 1 year. 0 after lock-in.
Asset Class
Determines applicable tax rate (LTCG/STCG/slab)
Lump Sum Growth — 10 Years at 11.50% net
Gross 12% minus 0.5% expense ratio
Return Analysis
Amount invested
Gross corpus
Total gain
Tax on gains
LTCG equity: 12.5% (held ≥1yr), ₹1.25L exempt per year
Post-tax corpus
Wealth multiple
Effective CAGR
Tips
→ Expense ratio is deducted from NAV daily — even 1% ER compounded over 20 years can reduce corpus by 15–20%.
→ Lump sum beats SIP when deployed at market lows. Use SIP/STP for large amounts during uncertain markets.
→ LTCG ₹1.25L exemption is per year — phased redemptions can harvest this annually to reduce total tax.
→ Debt MF gains are taxed at your income slab. High-income investors should compare vs FD after-tax returns.
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FAQ
Lump Sum Calculator — FAQ
Common questions about this calculator
Lump sum works best when you invest at market lows. SIP beats lump sum in volatile or rising markets through rupee-cost averaging.
Calculations are approximate and for educational purposes only. Excludes surcharge for income above ₹50L. Consult a Chartered Accountant for personalised tax advice.