Future value of a one-time investment, compounded annually. See the nominal corpus next to its real purchasing power today, and how the answer moves when your return and tenure assumptions change.
| ↓ Tenure / Return → | 8.0% | 11.0% | 14.0% |
|---|---|---|---|
| 10 yrs | ₹10.79 L | ₹14.20 L | ₹18.54 L |
| 15 yrs | ₹15.86 L | ₹23.92 L | ₹35.69 L |
| 20 yrs | ₹23.30 L | ₹40.31 L | ₹68.72 L |
Same amount, different outcomes. A lump sum invested at a market peak earns the bottom-row, left-column outcome instead of the centred one. SIPs average that timing risk away over the contribution window; lumpsums do not.
Future value compounded annually at the entered rate. No re-balancing, exit loads, expense ratios, or taxes — bake those into your expected-return assumption.
The biggest difference between a lump sum and a SIP is entry timing. A SIP averages its purchase price across the contribution window; a lump sum gets one shot at a single market level. That's why the sensitivity grid here is more punishing than the one on SIP Planner — your worst-case is closer to your base case.
The real-value column deflates at 6% annual inflation (RBI flexible target). Plan against the real column when the time horizon is >10 years. Full methodology · reviewed January 2026.
Educational projection only. MintByte is an AMFI-registered mutual fund distributor (ARN-314872); SEBI Registered Investment Adviser and Research Analyst registrations are in process and any advisory language is gated to those approvals. Not investment advice.