BAJAJ BROKING

Notification close image
No new Notification messages
card image
Anthem Biosciences IPO is Open!
Apply for the Anthem Biosciences IPO through UPI in just minutes.
delete image
card image
Start your SIP with just ₹100
Choose from 4,000+ Mutual Funds on Bajaj Broking
delete image
card image
Open a Free Demat Account
Pay ZERO maintenance charges for the first year, get free stock picks daily, and more.
delete image
card image
Trade Now, Pay Later with up to 4x
Never miss a good trading opportunity due to low funds with our MTF feature.
delete image
card image
Track Market Movers Instantly
Stay updated with real-time data. Get insights at your fingertips.
delete image

Lumpsum Calculator


A lumpsum investment in assets can be a quick and easy way to diversify your portfolio. With a lumpsum calculator, you better assess how this large sum of money may grow over a given period, at the rate of returns you expect from the asset or scheme.
 

₹100 ₹1000000
%
5% 30%
Years
1 Yr 30 Yr
Invested amount ₹ 0
Est. returns ₹ 0

Total value ₹ 0

Invested Amount

₹ 0

Est. Returns

₹ 0

Total Returns

₹ 0

Popular Mutual Funds

Scheme Name
Expense Ratio 1Y Returns

Quantum Gold Savings Fund - Regular (G)

Regular Fund | FoFs Domestic

0.21% 32.51% p.a.

Aditya Birla SL Gold Fund (G)

Regular Fund | FoFs Domestic

0.52% 31.86% p.a.

ICICI Pru Regular Gold Savings Fund (FOF) (G)

Regular Fund | FoFs Domestic

0.41% 31.84% p.a.

HDFC Gold ETF Fund of Fund - Regular (G)

Regular Fund | FoFs Domestic

0.18% 32.02% p.a.

SBI Gold Fund (G)

Regular Fund | FoFs Domestic

0.35% 32.12% p.a.

What is a Lumpsum Investment?

A lumpsum investment is a strategy where you invest a large sum of money upfront in the asset or scheme of your choice. Various investment options support lumpsum investments. Some common examples include fixed deposits, mutual funds, gold, direct equity and government bonds. To make a lumpsum investment in any eligible scheme or asset, you need to have a large sum available at your disposal. If you do, you can use the sum to purchase units in your preferred financial instrument. 

What Is a Lumpsum Return Calculator?

A lumpsum calculator is an online financial tool that helps you understand how a large sum invested today may grow over a certain period, at a specific rate of returns. It is useful for investors who want to get a better idea of how their investment may pan out over the medium term or long term. 

 

The lumpsum investment calculator is also free of use. So, you can use it several times at no extra cost to compare and assess how a change in the amount invested, the rate of returns or the investment tenure may affect the total future value of investments. Each time, the calculator displays the estimated results instantly. 

 

The lumpsum investment calculator is also free of use. So, you can use it several times at no extra cost to compare and assess how a change in the amount invested, the rate of returns or the investment tenure may affect the total future value of investments. Each time, the calculator displays the estimated results instantly.

How Does a Lumpsum Calculator Work? 

A lumpsum calculator works based on the inputs that you provide it. It requires three key details — namely, the amount you plan to invest, the period of investment in years and the annual rate of returns you expect. Once you enter these details, the lumpsum investment calculator automatically computes how the lumpsum amount invested will potentially grow over the given period at the rate specified. The online tool then shows you these results, so you can better understand the returns you may earn from the amount invested. 

Formula To Calculate Mutual Fund Lumpsum Investment Returns 

The lumpsum calculator uses a complex formula to compute the estimated returns from a specific amount. While you need not manually compute the returns yourself, it helps to be aware of the formula involved, which is as follows:

 

A = P (1 + r/n)nt

 

Where:

  • A is the total estimated value of the investment at the end of the period
  • P is the lumpsum amount invested
  • r is the expected rate of returns
  • n is the frequency of interest compounding during the year
  • t is the duration of the investment in years

How are Lumpsum investment returns calculated?

A Lumpsum plan calculator works on the following formula –

M = P × ({[1 + i]^n – 1} / i) × (1 + i).

In the above formula –

M is the amount you receive upon maturity.

P is the amount you invest at regular intervals.

n is the number of payments you have made.

i is the periodic rate of interest.

 

Take, for example, you want to invest Rs. 1,000 per month for 12 months at a periodic rate of interest of 12%.

 

Then the monthly rate of return will be 12%/12 = 1/100=0.01

Hence, M = 1,000X ({[1 +0.01 ]^{12} – 1} / 0.01) x (1 + 0.01)

Which gives Rs 12,809 Rs approximately in a year.

 

The rate of interest on a Lumpsum will differ as per market conditions. It may increase or decrease, which will change the estimated returns.

What are the Benefits of the Bajaj Broking’s Lumpsum Calculator?

A lumpsum investment calculator can be beneficial to long-term investors in many ways. The top advantages include:

 

  • Ease of Use: A lumpsum calculator is easy to use even for beginners. It requires only three simple details, all of which the investor can readily choose based on their investment plan.
  • Instant Calculation: When you use a lumpsum calculator, you can view the estimated returns within seconds. This facilitates faster decision-making.
  • Better Financial Planning: You can use a lumpsum calculator to plan your investments better and select the ideal investment amount and tenure to obtain the returns you expect.

How to Use the Bajaj Broking Lumpsum Calculator?

To use the Bajaj Broking lumpsum calculator, all you need to do is follow the steps outlined below.

 

  • Step 1: Enter the total lumpsum investment amount.
  • Step 2: Enter the expected annual rate of returns.
  • Step 3: Enter the period of investment in years.
  • Step 4: Click on ‘Invest Now.’

 

The lumpsum investment calculator will then compute and show you the total investment, estimated returns and the total value. 

Lumpsum Investment Vs SIP

FactorLumpsum InvestmentSIP (Systematic Investment Plan)
Investment ApproachInvest an amount all at onceRegular fixed investments at intervals
Investment FrequencyOne-time investmentRegular, typically monthly, quarterly or half-yearly
Market TimingExposed to market timing riskReduces the impact of market timing
Potential ReturnsCan benefit from market upswingsBenefits from rupee-cost averaging
Risk ManagementProne to market volatilityReduces the impact of short-term fluctuations
DisciplineNo fixed commitment is requiredEncourages disciplined investing
Goal HorizonLong-term investmentsShort-term and long-term goals
Capital DeploymentImmediate deploymentGradual deployment over time
Bajaj Broking Info

Bajaj Broking: Empowering India with Financial Freedom

Elevate your investing and trading with Bajaj Broking. From novices to HNIs, our user-friendly platform, expert guidance, and diverse products simplify your stock market journey. Join us to make investing easy and accessible for all Indians!

img

We have something for everyone

Explore more Investment options

Stocks

Secure and enhance your financial future today

investment-card-icon

IPOs

Your gateway to future financial opportunities

investment-card-icon

MTF

Explore Buy Now Pay Later and boost your capital by up to 4x  

investment-card-icon

US Stocks

Discover opportunities to invest in elite FAANG stocks

investment-card-icon

Start building your Portfolio

Related News & Articles

Frequently Asked Questions

Is the Bajaj Broking lumpsum calculator useful for investment planning?

Answer Field

Yes, the Bajaj Broking lumpsum calculator is extremely useful for investment planning as it gives you a clear idea of how your money could potentially grow over time. 

When should we use a lumpsum investment strategy?

Answer Field

You can use a lumpsum investment strategy if you have a large amount of liquid funds available or when the market is low, so you can minimise the initial investment cost. 

Is a lumpsum calculator easy to use?

Answer Field

Yes, a lumpsum calculator is extremely easy to use as it only requires three simple inputs. Even beginners can easily use this tool online without any guidance or hassle. 

What are the different ways to invest in mutual funds?

Answer Field

You can choose to invest a lumpsum amount in mutual funds or start a SIP, where you invest smaller fixed sums at periodic intervals.

Which has more benefits lumpsum or SIP investments?

Answer Field

A lumpsum investment may be more beneficial in a bullish market as it allows you to capitalise on the growth opportunity. A SIP, however, spreads your investment over time and leverages market volatility to your advantage. 

No Result Found

Our Secure Trading Platforms

Level up your stock market experience: Download the Bajaj Broking App for effortless investing and trading

Bajaj Broking App Download

10 lakh+ Users

icon-with-text

4.2 App Rating

icon-with-text

4 Languages

icon-with-text

₹5600+ Cr MTF Book

icon-with-text
banner-icon

Open Your Free Demat Account

Enjoy low brokerage on delivery trades

+91

|

Please Enter Mobile Number

Open Your Free Demat Account

Enjoy low brokerage on delivery trades

+91

|