Mutual Fund Returns Calculator
Calculate lumpsum investment returns in mutual funds. Compare growth across different return scenarios.
months (5.0 years)
Maturity Value
₹1.76 L
Total Invested
₹1.00 L
Est. Returns
₹76,234
Wealth Gain
76.2%
Breakdown
Invested: ₹1.00 L (57%)
Returns: ₹76,234 (43%)
📊 Interactive Growth Analysis
Invested vs Returns
Invested: ₹1.00 L
Returns: ₹76,234
Wealth Growth Over Time
Scenario Comparison
| Metric | Your plan | +2% Returns (14.0%) | +5 Years (10yr) |
|---|---|---|---|
| Total Invested | ₹1.00 L | ₹1.00 L | ₹1.00 L |
| Maturity Value | ₹1.76 L | ₹1.93 L ↑ ₹16,307 | ₹3.11 L ↑ ₹1.34 L |
| Est. Returns | ₹76,234 | ₹92,541 | ₹2.11 L |
💡 Understanding Mutual Fund Returns
Lumpsum mutual fund investment means putting a large amount at once, as opposed to SIP. This works best when you have surplus cash and markets are at reasonable valuations.
Historically, equity mutual funds have returned 12-15% CAGR over 10+ years. Debt funds return 6-8%. Index funds like Nifty 50 have returned 12.2% CAGR over the last 20 years. Always look at rolling returns, not point-to-point, for a realistic expectation.
₹1 Lakh lumpsum in Nifty 50 index fund 10 years ago would be worth approximately ₹3.2 Lakhs today — a 12.2% CAGR with zero effort.