Lumpsum Investment Calculator India 2026

Calculate mutual fund lumpsum returns with LTCG tax. Compare Large Cap, Mid Cap, ELSS, Index Funds.

Investment Details

₹

Lumpsum vs SIP

Lumpsum works best when markets are low. SIP averages out volatility.

Try SIP Calculator →
Invested

₹5,00,000

Returns

₹10,52,924

3.11x growth

Total Value

₹15,52,924

Tax Impact (LTCG)

Gains

₹10,52,924

LTCG Tax

₹1,15,991

Post-Tax

₹14,36,934

Compare Fund Categories

FundRiskReturnValue
Small CapVery High18%₹26,16,918
Mid CapHigh15%₹20,22,779
ELSS Tax SaverHigh14%₹18,53,611
Large CapModerate12%₹15,52,924
Nifty 50 IndexModerate12%₹15,52,924
Debt FundLow7%₹9,83,576

Year-wise Growth

YearValueGainsGrowth
1₹5,60,000₹60,000+12.0%
2₹6,27,200₹1,27,200+25.4%
3₹7,02,464₹2,02,464+40.5%
4₹7,86,760₹2,86,760+57.4%
5₹8,81,171₹3,81,171+76.2%
6₹9,86,911₹4,86,911+97.4%
7₹11,05,341₹6,05,341+121.1%
8₹12,37,982₹7,37,982+147.6%
9₹13,86,539₹8,86,539+177.3%
10₹15,52,924₹10,52,924+210.6%

Lumpsum Mutual Fund Investment — Guide

What is Lumpsum Investment?

A lumpsum investment means putting a large amount at once into a mutual fund, as opposed to investing periodically via SIP. The returns are calculated using the CAGR (Compound Annual Growth Rate) formula: FV = PV × (1 + r)^n.

LTCG Tax on Mutual Funds (Budget 2025)

  • Equity funds: 12.5% LTCG tax on gains above ₹1.25 lakh (holding > 1 year)
  • Debt funds: Taxed at slab rate (no indexation benefit post-2023)
  • ELSS: Same as equity, but 3-year lock-in period

When to Invest Lumpsum vs SIP?

  • Lumpsum: When you have surplus cash and markets are undervalued
  • SIP: When you have regular income and want to average out market volatility
  • Hybrid: Invest lumpsum in debt, set up STP (Systematic Transfer Plan) to equity

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