Understanding Lumpsum Investments
A lumpsum investment involves deploying a single large amount (₹500 - ₹10 crore) in financial instruments like:
- Mutual funds
- Fixed deposits (SBI, HDFC)
- Stock markets
- Government schemes
Real-World Example
₹5,00,000 invested today in SBI Bluechip Fund @12% for 10 years:
Maturity Value: ₹15,52,924
5 Key Advantages
₹10L+ Corpus
Typical 15-year growth
30% Higher
Than recurring deposits
24/7 Access
With our lumpsum calculator
Lumpsum vs SIP
Lumpsum
- Ideal for market lows
- Full capital works immediately
- Use our lumpsum sip calculator
SIP
- Disciplined investing
- Rupee-cost averaging
- Compare using sip and lumpsum calculator
Tax Rules Explained
Equity Funds
- 20% LTCG tax on >₹1 lakh gains
- 15% STCG tax for <365 days
Debt Instruments
- TDS on FD interest >₹40,000
- 10% LTCG without indexation
Step-by-Step Calculation
Step 1
Invest ₹12,00,000 in SBI Magnum Fund
Step 2
12% annual returns over 8 years
Step 3
Calculate using our mutual fund lumpsum calculator
Result
₹26,42,411 corpus
Important Considerations
- Market risk disclaimer
- No guaranteed returns
- Consult financial advisors