Lumpsum Calculator
See what a one-time investment grows into.
Your inputs
Quick amounts
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₹2.41 Cr
Total value after 20 years — 9.6× the ₹25.00 L you invest today
Compounded annually at a constant 12.0%. Returns are an assumption, not guaranteed.
How ₹25.00 L compounds at 12.0% over time.
| Year | Growth multiple | Est. value | Returns |
|---|---|---|---|
| Year 1 | 1.1× | ₹28.00 L | ₹3.00 L |
| Year 5 | 1.8× | ₹44.06 L | ₹19.06 L |
| Year 10 | 3.1× | ₹77.65 L | ₹52.65 L |
| Year 15 | 5.5× | ₹1.37 Cr | ₹1.12 Cr |
| Year 20 | 9.6× | ₹2.41 Cr | ₹2.16 Cr |
What your corpus is worth once 6% inflation is stripped out.
Real rate
5.7%
12% return − 6% inflation
Purchasing power today
₹75.19 L
of the ₹2.41 Cr corpus
In today's money, your ₹2.41 Cr will buy what ₹75.19 L buys now — still a 3.0× real gain.
Future value of ₹25.00 L at different returns and horizons.
| Return | 10 yrs | 15 yrs | 20 yrs |
|---|---|---|---|
| 8% | ₹53.97 L | ₹79.30 L | ₹1.17 Cr |
| 10% | ₹64.84 L | ₹1.04 Cr | ₹1.68 Cr |
| 12% · | ₹77.65 L | ₹1.37 Cr | ₹2.41 Cr |
| 14% | ₹92.68 L | ₹1.78 Cr | ₹3.44 Cr |
| 16% | ₹1.10 Cr | ₹2.32 Cr | ₹4.87 Cr |
Highlighted row uses your current 12.0% return assumption.
Lumpsum vs SIP
Same ₹25.00 L at 12.0% — invested at once, vs spread as ₹10,417/month over 20 years.
Lumpsum (today)
₹2.41 Cr
Equivalent SIP
₹1.04 Cr
When your corpus crosses key marks at 12.0%.
₹50.00 L
in 6.1 years
2.0× your money
₹1.00 Cr
in 12.3 years
4.0× your money
₹2.00 Cr
in 18.3 years
8.0× your money
Power of compounding
Year 1
₹28.00L
Year 10
₹77.65L
Year 20
₹2.41Cr
Money roughly doubles every 6.1 years at 12% (Rule of 72 ≈ 6.0).
Compounding does the heavy lifting
Of your ₹2.41 Cr corpus, ₹2.16 Cr is pure growth — 90% of the total. The multiple is driven by rate and time: at 12.0% your money doubles about every 6.1 years.
Your plan at a glance
- One-time investment: ₹25.00 L
- Future value in 20 years: ₹2.41 Cr (9.6× your money)
- Wealth gained: ₹2.16 Cr — 865% return on capital
- Money doubles roughly every 6.1 years at 12%
- Worth ₹75.19 L in today's money after 6% inflation
Start investing in mutual funds
Open a free account with ICICI Prudential AMC and start an SIP online. ICICI Prudential Mutual Fund, at no extra cost to you.
Your plan: ₹25.00 L today at 12.0% → about ₹2.41 Cr in 20 years.
Plan the rest of your money life
Turn this lumpsum into a plan — a monthly SIP, a goal corpus, or a withdrawal income.
Market-linked investments are subject to market risks — returns vary year to year and can be negative. The figures above are projections based on a constant assumed return and do not guarantee future performance.
How a lumpsum maturity is calculated
FV = P × (1 + r)ⁿ
- FV
- future value (maturity)
- P
- lumpsum amount invested
- r
- annual return ÷ 100
- n
- number of years (compounded annually)
Worked example
With your inputs — ₹25.00 L at 12.0% for 20 years: the growth factor is (1 + 0.12)20 = 9.65×, so the projected maturity is about ₹2.41Cr — your ₹25.00 L multiplies 9.6×, earning roughly ₹2.16 Cr in returns. This compounds annually at a constant assumed rate and is a projection before tax and inflation, not a guaranteed return.
Most asked lumpsum questions
A lumpsum is a one-time investment of a larger amount, as opposed to a SIP which invests smaller amounts regularly. It works best when you have a surplus and want it fully invested from day one, giving every rupee the maximum time in the market.
Maturity = principal × (1 + rate)^years, compounded annually. Every rupee earns the expected return for the full period, so the result is driven entirely by the rate and the time horizon — small changes in either have an outsized effect.
Mathematically, doubling time = ln(2) ÷ ln(1 + rate). A quick mental shortcut is the Rule of 72: divide 72 by the return rate. At 12% that's roughly 6 years; this calculator shows the precise figure for your rate.
A lumpsum captures full market exposure immediately and tends to win when invested at lower valuations, because the whole amount compounds for longer. A SIP averages your entry price and suits investing from monthly income. Many investors do both — a lumpsum when they have surplus and a SIP for discipline.
No. Returns are market-linked and vary year to year. The rate you enter is an assumption — treat the projection as a planning estimate, not a promise.
The complete guide to lumpsum investing
Why lumpsums compound hard
A lumpsum puts your entire amount to work on day one, so every rupee earns the full return for the whole horizon. Because returns compound — each year's growth itself earns growth — the final value is far more sensitive to time and rate than most people expect. Doubling your horizon usually far more than doubles your money.
How the maturity is calculated
This calculator compounds your amount annually at a constant assumed rate: future value = principal × (1 + rate)^years. The doubling time is derived precisely from the same curve — ln(2) ÷ ln(1 + rate) — which the popular Rule of 72 (72 ÷ rate) closely approximates.
Lumpsum vs SIP
A lumpsum captures full market exposure immediately and tends to win when invested at lower valuations, because the whole amount compounds for longer. A SIP spreads your entry across time and suits investing from monthly income. Many investors combine both — a lumpsum when they have surplus and a SIP for discipline.
Taxation in India
For equity funds, gains on units held over 12 months are long-term, taxed at 12.5% above a ₹1.25 lakh yearly exemption; units held less are short-term at 20%. Debt funds are taxed at your slab rate. Rules change — verify with a tax adviser.
Real returns after inflation
A headline return overstates how much richer you actually become. The real rate — roughly (1 + return) ÷ (1 + inflation) − 1 — is what grows your purchasing power. The calculator shows the corpus in today's money so you can see the honest, inflation-adjusted figure rather than the nominal one.
Common mistakes
The biggest mistakes are waiting for the "perfect" entry, redeeming during a downturn, and assuming a single high return rate will hold every year. Real returns are volatile — treat this projection as a planning guide, not a promise, and give your investment time.