
Lumpsum calculator
Best lumpsum investment calculator online
Precise estimates for one-time payments
Total Value
₹77,646
Total Investment
Expected return rate (p.a.)
Time period
Your returns
0.0%
Total Investment
Estimated Return
*This amount is calculated on 12.0% p.a. for the span of 10 yrs.
Total Investment
₹25,000
Estimated Return
₹52,646
Total Value
₹77,646
Your returns compared with Univest
Univest PRO
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₹77646
Lumpsum Calculator | Best Lumpsum Investment Calculator
A lumpsum calculator is a financial tool that allows investors to calculate their potential lumpsum investment returns on their one-time mutual fund investment. Here, lumpsum investment refers to a one-time investment of a large sum in a mutual fund (MF) scheme.
What is a Lumpsum calculator?
An MF lumpsum calculator is a financial tool that estimates the returns for investors on a lumpsum investment scheme. The lumpsum return calculator is a helpful tool in analysing the estimated return that investors can expect to earn through a lumpsum mutual fund (MF) investment over a given investment tenure.
How Lumpsum Investment Returns Are Calculated?
The lumpsum calculator uses different inputs as per the investor’s requirement to calculate estimated returns. These inputs include three components: Lumpsum investment amount, expected lumpsum investment returns, and investment tenure.
Using the above inputs in a mutual fund (MF) lumpsum calculator, investors can project their returns for their desired investment tenure. The important thing to note is that the lumpsum return calculator shows estimated returns. Hence, investors must know that the actual return on their lumpsum mutual fund can vary from the projected returns.
Formula For Calculating Lumpsum Investment Return
The lump sum calculator works on the concept of future value calculations of your investment using a required rate of return. The calculation of a lumpsum MF calculator can be summarised in the following formula:
FV = PV(1+r)^n
Where,
FV = Future value
PV = Present value
R = Rate of return
N = Number of years
Example For Return Calculation of Lumpsum Calculator
Ajay is a working professional in an MNC. He has a savings of ₹ 1,00,000 in his bank account and is considering investing it in a lumpsum investment scheme. Ajay is expecting a return rate of 14%, and he is looking to invest the capital for 10 years. Let us calculate the returns on Ajay’s lumpsum investment using the information given:
Inputs for the Lumpsum Calculator
Lumpsum Investment Amount - ₹ 1,00,000
Investment Tenure - 10 years
Rate of Return - 14% per annum
Calculation
FV = PV(1+r)^n
FV = 1,00,000(1+.14)^10
Outputs from the Lumpsum Calculator
Total Investment - ₹ 1,00,000
Total Returns - ₹ 2,70,722 (270.7%)
Portfolio value - ₹ 3,70,722
We can infer from the above example that Ajay was able to estimate his returns using the mutual fund (MF) lumpsum calculator. As per the outputs given by the lumpsum return calculator, Ajay could yield a return of 270.70 % on a one-time investment of ₹ 1,00,000 over a 10-year investment period.
How Can A Lumpsum Calculator Help You?
A lumpsum mutual fund calculator can help you in various ways, which can be summarised in the following points:
- Compounding return
A lump-sum investment calculator can assist you in estimating compounding returns on your investments. The output shown by a lumpsum calculator is derived through the compounding return method, leading to an accurate estimation of your investment’s future value. - Inflation Hedging
For long-term investors, earning returns higher than the inflation rate is the primary goal to enhance their purchasing power. Thus, you can use a mutual fund lumpsum calculator to project returns, which can offer a cushion against the inflation rate in the economy. - Strategy building
Using a lumpsum mutual fund calculator can assist you in creating a solid strategy for long-term mutual fund investing. You can do so by changing the inputs in the calculator and choosing the best results that best suit your investment goals.
How to Access the Univest Lumpsum Calculator?
The process of using the Univest lumpsum calculator is simple and straightforward. Read the points below to learn how to use the lumpsum return calculator
Step 1 - Open a search engine and search for Univest in it.
Step 2 - On the top ribbon of the webpage, click on the explore tab.
Step 3 - From the resultant dropdown list, choose the calculator option.
Step 4 - Now, choose the lump sum calculator from the available calculators.
How to Use the Univest Lumpsum Calculator?
Steps to use the Univest Lumpsum calculator:
Step 1 - On the lumpsum calculator webpage, enter the lumpsum amount, return rate, and investment tenure to derive the estimated future value of your invested amount.
Step 2 - Analyse your projected lumpsum investment plan and returns through the given pie chart and bar graphs for better understanding.
Step 3 - You can also change the inputs in the mutual fund lumpsum calculator as per your requirements to derive estimated returns for your investments.\
Benefits of Using The Univest Lumpsum Calculator?
Using the lumpsum investment calculator by Univest provides various benefits. Scroll through the points below to discover the lump sum calculator's advantages:
- Easy-To-Use Interface
The lumpsum mutual fund calculator by Univest has been designed with a user-friendly interface. It makes the lumpsum return calculator easy for investors to navigate and use. - Graphical Representation
The Lumpsum MF calculator by Univest provides a graphical representation of your return projections. It results in improved investment analysis and portfolio building. - Detailed Analysis
By using the lumpsum return calculator, you can access detailed information about mutual fund (MF) lumpsum returns. You can access crucial data such as total investment, total returns (in per cent and absolute terms), and total portfolio value. - Return projection for the long-term
Mutual fund lumpsum calculator by Univest offers you the advantage of calculating your lumpsum investment returns for up to 40 years. It assists in creating a plan for long-term mutual fund investments.
Note - “Build a strong portfolio using the Univest lumpsum calculator”
Who Should Use the Lumpsum Calculator?
A lumpsum calculator has unique features that best suit the needs of a specific segment of investors. To learn more about such investors, read below:
- Sufficient Capital Availability
Investors who possess a significant sum of capital, which can form a good base for compounding, can use a lumpsum return calculator. Using an MF lumpsum calculator enables them to analyse the potential lumpsum investment returns. - Uncertain Income Stream
Contrary to SIP schemes, which require a steady flow of funds, lumpsum investment, on the other hand, can be executed with a non-steady income too. Therefore, investors who do not have a regular income stream can use a lumpsum investment calculator to build investment plans. - Lack of Financial Discipline
Investors who lack financial discipline can choose to use the lumpsum calculator. It can help them avoid the stress of regular investing in SIP investments and results in building robust strategies for lumpsum investments of surplus funds.
What are Lumpsum Investments?
Lumpsum investment refers to a type of mutual fund investment method. Under this method, investors deploy a significant sum of capital in one go in a mutual fund scheme. Lumpsum investment is a helpful method for investors with surplus capital who wish to earn market-linked returns on this capital.
Under lumpsum investment, you tend to invest a fixed amount of capital once in a mutual fund scheme to earn lumpsum investment returns over the long term. However, the investment duration in the lumpsum method is not fixed, but a general trend suggests that a long holding period yields better returns.
Lumpsum Calculator Vs SIP: What are the Key Differences?
Now that we have a grasp of the lumpsum MF calculator, let us look at the difference between the lumpsum calculator vs SIP. These calculators are used to calculate the estimated return on a mutual fund investment; however, they differ based on their return calculation methods. Know more about the SIP and lumpsum calculator below:
Lumpsum Calculator
- Mutual fund lumpsum calculator, estimate returns for lumpsum investments.
- It calculates returns on investments for the entire capital invested in one go.
- It is suitable for investors with surplus capital who are not disciplined with their investment habits.
SIP Calculator
- The SIP calculator estimates returns for mutual fund SIPs.
- It calculates potential returns on funds invested at regular intervals, i.e., monthly or quarterly.
- SIP calculators are suitable for investors with a disciplined approach to investing with low capital.
Note - "If you're confused between SIP and lumpsum investment, check out our SIP Calculator to compare the returns."
Mistakes to Avoid While Using the Lumpsum Calculator
Avoid the following mistakes while using the online lumpsum MF calculator:
- Misinterpretation of projected returns
Assuming that projected returns by the lumpsum calculator are guaranteed in the future is one of the biggest mistakes investors make. You must remember that the returns of a lumpsum mutual fund calculator are only estimations, and actual returns can deviate from these projections. - Ignoring the inflation rate
The returns projected by a lumpsum calculator do not factor in the inflation rate. Hence, the returns shown are not net of inflation, and you might get a lower yield on your investment at maturity. - Not sticking to an investment plan
Before using a mutual fund lumpsum calculator, you must ensure that you have a fixed investment plan. It helps you avoid getting lured by high return projections because of varying rates of return and investment amounts.
Conclusion On Lumpsum Calculator
- A Lumpsum calculator is an online tool to project the future value of your lumpsum investment.
- Lumpsum investment refers to a one-time investment in a mutual fund scheme.
- Lumpsum return calculators operate on the principle of future value calculations of your investments.
- The Univest lumpsum calculator is available for free on the Univest website. You can access the lumpsum mutual fund calculator to estimate your return on your investment.
- The mutual fund (MF) lump sum calculator differs from the SIP calculators. The lumpsum MF calculator shows returns based on a single investment amount, whereas the SIP calculator shows returns for regular SIP investments.
- Ensure that you avoid mistakes like misinterpreting returns or not factoring in inflation while using the lumpsum calculator.
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FAQs
What is a mutual fund lumpsum calculator?

Mutual fund (MF) lumpsum calculator is a financial tool that projects potential returns on lumpsum investments in mutual fund schemes.
What will a lumpsum investment of ₹ 15,000 be in 10 years?

Assuming a return rate of 12%, a lumpsum investment of ₹ 15,000 for 10 years can yield a return of ₹ 31,588 (210.6%). The breakdown of the calculation is as follows:
Inputs
Investment amount - ₹ 15,000
Required rate of return - 12%
Investment Tenure - 10 years
Output
Estimated Return - ₹ 31,588 (210.6%)
Total Value - ₹ 46,588
What is the minimum capital requirement for a lumpsum investment?

Typically, a lumpsum investment does not have a minimum investment requirement. However, you must invest significant capital in a lumpsum investment scheme to earn substantial returns over the long term. You can use the lumpsum mutual fund calculator by Univest to check returns on different amounts.
What are the risks of lumpsum mutual fund investment?

Yes, lumpsum investments can be risky because they offer returns based on the movement of financial markets. Thus, a market downtrend can lead to the erosion of your capital in lumpsum mutual fund investments.
Another risk involved in lumpsum mutual fund investment is entering and exiting at the wrong time. Exiting lumpsum investments at the market bottom can lead to losses. On the contrary, investing in a lumpsum mutual fund at the peak can increase your cost and result in fewer units in your portfolio.
Why should I use a lumpsum investment calculator?

You should use a lumpsum return calculator to estimate your potential return on your one-time investment in a mutual fund scheme. A lumpsum MF calculator can help you make a robust investment strategy for the future.
What is a lumpsum calculator for 40 years?

A lumpsum MF calculator for 40 years is a financial calculator that allows you to calculate the return for an investment period of 40 years.
Can I change the return rate in a lump sum calculator?

You can change the expected return rate using a lump sum calculator. You can either move the slider or manually enter the desired rate in the calculator, resulting in a simultaneous change in the figures of estimated returns.
Can I invest in a lumpsum mutual fund more than once?

Yes, you can invest in a lumpsum mutual fund more than once. Lumpsum investment scheme provides the flexibility to invest large amounts of capital multiple times, per your preferred interval.
Which one should I use, Lumpsum calculator V/S SIP Calculator?

SIP and lumpsum calculators are both mutual fund calculators. You can use any of the mutual fund calculators which best suit your investment habits, goals, and risk profile. The SIP calculator is helpful for investors who are disciplined in their investments and have low capital with a low risk appetite. On the other hand, lumpsum mutual fund calculators must be used by investors with significant capital and indisciplined investment habits.