Lumsum Calculator

MF Lumpsum Calculator

With Lumpsum calculator you can calculate the maturity value of your investment.

Less than 2 Years, Generally associated with Lower Returns and Lower Risk

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Frequently Asked Questions

Chola Securities lumpsum return calculator for mutual funds works on the basic formula of calculating the future accrued value with the help of compound interest. F = P (1 + r/n) ^ nt where F = future accrued value P = the present value of the invested amount r = estimated rate of return (in%) t = total duration of investment n = the number of times interest is compounded in a year. For example, suppose you invest ₹1,00,000 in a mutual fund for 10 years, expecting an average return of 12% per year. We assume an annual compounding of the interest. You can use the following formula to calculate lumpsum investment returns: F = ₹1,00,000 {(1+00.12/1)^10}F = ₹3,10,585 Save the hassle of manually calculating your lumpsum returns and use the Chola Securities Lumpsum calculator.

A lumpsum investment is a one-time large-sum investment in any of the asset classes, be it in equity with direct stock investment or through mutual funds, fixed deposit instruments like bonds, investing in commodities like gold or silver, or investing in real estate. When investors have additional income, such as a performance bonus or the maturity of a savings fixed deposit that they don't need to use right away, investors prefer lump-sum investments. When investing in equity through mutual funds, investors should exercise caution due to the fund's risk, as long-term investments may be necessary to achieve optimal returns.

The benefit of investing in lumpsum in mutual funds  
  • 1. Save yourself from unnecessary expenses: Whenever we receive additional money, whether as a performance bonus, from our grandparents or parents, or from a side hustle, we often tend to spend it on unnecessary things. We are not saying not to indulge, but one must be conscious that they should not spend the money fully unless the situation demands it. Hence, to save yourself from regret, invest the amount in mutual funds and let it grow to fulfil the wishes that you truly want. 
  • 2. Ideal for investors who don't want to take the hassle of investing periodically: If you are someone who doesn't want to keep track of the money for monthly SIPs, then lump-sum investments should be your go-to option.

SIP Lumpsum
Invest fixed amount at regular interval Invest large amount in one goal
SIP is for long terms goals Lumpsum can help you with short term goals
SIPs is for investor with low risk appetite Lumpsum comes with high risk
SIP is good for volatile market condition Lumpsum is good for bullish market
SIP and Lumpsum investments have their pros & cons. Investors who are risk averse and prefer small, regular investments can benefit from SIP investments. Lumpsum investments can be beneficial for investors who get large sum of money periodically and want to invest it at once. Whether you are looking for SIP or Lumpsum investment you can start investing with Chola Securities recommended mutual funds. Download Chola Securities App to explore.

To hold the direct shares in digital form, an investor needs a demat account. While mutual fund investors can opt to hold their securities in demat accounts, it is not mandatory to have a demat account to start investing in mutual funds. However, to keep better track of all your mutual fund investments, you can invest through distributor partners like Chola Securities, where you get all the performance details in one view with the Chola Securities App, as well as the benefit of selecting the CSec recommended mutual funds.

Since investing in lumpsum mutual funds may lead to higher risk, it is important to speak to your financial advisor when shortlisting the fund type and your investment horizon. Lumpsum investments tend to yield optimal returns in the short term, so a bullish market is a good time to start them.