Q1: What is a lumpsum calculator?
Our lumpsum calculator projects returns on one-time investments using compound interest formula:
A = P × (1 + r)^tExample: ₹12,000 @12% for 12 years → ₹46,752
Q2: Is the calculation accurate for mutual funds?
Yes, our mutual fund lumpsum calculator uses:
- SEBI-mandated CAGR methodology
- Historical 5-year average returns
- 20% LTCG tax deductions
Q3: How to calculate tax liability?
We auto-calculate taxes using:
- 20% LTCG on gains >₹1 lakh
- No tax on principal amount
- Example: ₹15L returns → ₹3L tax
Use our lumpsum return calculator for instant tax estimates
Q4: Can I use this for SBI investments?
Yes! Input SBI FD rates (6.5-7.5%) or mutual fund CAGR:
Example: SBI Bluechip Fund @12% for 10Y → ₹15.52L
Q5: What's the maximum tenure?
You can calculate up to 30-year projections:
₹1L @10% for 30Y
→ ₹17.45L corpus
Q6: Are my inputs stored?
No. We use:
- 128-bit SSL encryption
- No server-side data storage
- GDPR compliance
Q7: Is this financial advice?
No. Always consult:
- SEBI-registered advisors
- Bank relationship managers
- Tax professionals