Lumpsum calculator for Indian investors

Model how a one-time investment — bonus, inheritance, or FD maturity — could grow over time before you invest in mutual funds via Saventh.

Are you an HR?

When salaried Indians use lumpsum investing

Pair ongoing SIP with `/calculators/sip` for balanced approach.

Pair ongoing SIP with `/calculators/sip` for balanced approach.

  • Annual bonus or performance incentive
  • Sale proceeds or inheritance
  • FD maturity reinvestment
  • ELSS lumpsum before March (understand lock-in) → `/products/tax`

Calculator inputs explained

1. **Investment amount** — One-time ₹ amount

2. **Expected annual return** — Conservative planning rate

3. **Tenure** — Years held

4. **Output** — Estimated future value vs amount invested

1. **Investment amount** — One-time ₹ amount

2. **Expected annual return** — Conservative planning rate

3. **Tenure** — Years held

4. **Output** — Estimated future value vs amount invested

Lumpsum vs SIP comparison

FactorLumpsumSIP
Timing riskHigher short-termSpread via averaging
Best forWindfallsSalary
ToolThis page`/calculators/sip`

Link lumpsum to goals

Assign one-time investments to home, education, or retirement goals in Saventh investor app. → `/products/goals`

Assign one-time investments to home, education, or retirement goals in Saventh investor app. → `/products/goals`

Related tools

  • Compound interest → `/calculators/compound-interest`
  • Mutual fund calculator → `/calculators/mutual-fund`
  • All calculators → `/calculators`

Frequently asked questions — see Page FAQs below.

Compliance: Saventh AMFI ARN 324457. Market risks apply.

Compliance: Saventh AMFI ARN 324457. Market risks apply.

Frequently asked questions

Is lumpsum investing riskier than SIP?

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Lumpsum exposes full amount to market timing at entry. SIP spreads purchases over time. Both carry market risk.

Can I add lumpsum to existing SIP on Saventh?

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Yes, in the investor app subject to scheme minimums.

What minimum lumpsum does Saventh support?

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Varies by scheme — often ₹1,000–₹5,000 for many mutual funds.

Does calculator include tax?

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Standard calculator shows gross illustration. Capital gains tax applies per current rules on redemption.

Is this calculator free?

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Yes, on saventh.com without login.

Deploy your lumpsum with clarity

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Saventh is an AMFI-registered mutual fund distributor (ARN 324457).

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Saventh Investment is an AMFI Registered Mutual Fund Distributor.

Disclaimer: Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing. Past performance is not indicative of future returns. Please consider your specific investment requirements before choosing a fund, or designing a portfolio that suits your needs.

Saventh Investment makes no warranties or representations, express or implied, on products offered through the platform of Saventh Investment. It accepts no liability for any damages or losses, however, caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable.
Investments in Securities markets are subject to market risks, read all the related documents carefully before investing.

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