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MF GullakAMFI Registered Mutual Fund Distributor
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Lumpsum growth

What does a one-time investment become?

Compound a single investment over a horizon, and compare it against staggering the same amount in over a year.

Value after 15 years

₹27,36,783

You invest
₹5.00 L
Compounding adds
₹22.4 L
Multiple of capital
5.47×

A single investment left alone. The multiple is what compounding does to one decision, and it is why the horizon matters more than the entry date.

What this assumes

Compounding
Annual
Returns
Constant, as you set them
Staggered comparison
12 equal monthly tranches
Withdrawals
None until the end of the period

What it does not account for

  • Capital gains tax on redemption, and the indexation rules that apply to debt schemes.
  • Exit load on units sold within the scheme's minimum holding period.
  • The return earned by money waiting in a liquid fund during a staggered entry, which slightly understates the staggered figure here.
  • Any addition to the investment after day one. Use the SIP calculator for that.

Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Outputs here are illustrations based on the assumptions you set, not projections of any scheme’s performance.

A number is not a plan.

The calculator tells you the size of the gap. Closing it takes a scheme selection, an allocation and a review schedule.

Talk it through

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