Lump Sum Calculator India 2026

A lump sum investment means investing a one-time amount — such as a bonus or windfall — instead of spreading it across monthly SIP installments. The full amount stays invested from day one, so its growth depends entirely on market performance, holding period, and compounding from that starting point.

Neither is universally better. A lump sum can outperform when invested before a sustained market uptrend but carries higher market-timing risk, while a SIP averages your purchase cost over time and reduces the impact of short-term volatility. The right choice depends on your available cash flow and risk comfort.

Gains from equity-oriented funds held over a year are long-term capital gains (LTCG), taxed at 12.5% on gains above ₹1,25,000 per financial year under Section 112A. Gains from units held a year or less are short-term capital gains, taxed at 20% under Section 111A.

Yes. A lump sum growing at a nominal rate can still lose purchasing power if inflation is high — for example, a portfolio growing at 11% with 6% inflation gives roughly a 5% real return. Use the inflation-adjusted value shown to understand what your corpus will actually be worth at maturity.

Debt mutual fund gains do not get the LTCG/STCG treatment available to equity funds — they are taxed at your applicable income tax slab rate, regardless of how long you hold the units. For debt funds, this calculator asks for your slab rate and applies it (plus 4% cess) to the whole gain.