Calculate how a lump sum mutual fund investment grows over time. Compare expected, optimistic, and conservative return scenarios side by side.
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The lump sum you want to invest today.
Use historical category average. Large-cap: 12%. Mid-cap: 14%. Small-cap: 16%.
Equity mutual funds are recommended for 5+ year horizons. The longer, the better.
P = Principal r = Annual return % t = Years
Mutual fund lump sum growth uses standard compound interest. Historical large-cap equity returns in India: 12–14% over 10+ year periods. Small-cap: 15–18%. Debt funds: 6–8%.
Large-cap funds have historically returned 12–14% annually over 10+ years in India. Mid-cap 14–16%, small-cap 15–18%. Debt funds return 6–8%. Always use conservative estimates for planning.
SIP is better for most people — it averages out market timing risk through rupee cost averaging. Lump sum is better when markets are at a significant correction. For long horizons, both produce similar returns.
Equity funds held more than 1 year: LTCG at 10% on gains above ₹1 lakh/year. Held less than 1 year: STCG at 15%. Debt funds: taxed as per income tax slab regardless of holding period (from 2023).
No. Past performance is not indicative of future returns. Mutual fund investments are subject to market risk. Always read the scheme information document before investing.
Direct plans cut out the distributor and have lower expense ratios (typically 0.5-1% less). Over 10-20 years, this difference compounds significantly. Direct plans consistently outperform regular plans of the same fund.