Mutual Fund Returns Calculator – SIP & Lump Sum (India, FY 2025–26)
Mutual Fund Investment Summary – SIP & Lump Sum (India, FY 2025–26)
Quick Answer
Use our Mutual Fund Calculator (India) to estimate your future value, total invested, and wealth gained with both SIP returns calculator and lump sum calculator modes. Enter your amount, duration, and expected CAGR to see how compounding works year-by-year for FY 2025–26. For personalized results, adjust the inputs above and recalculate in seconds.
- Supports Monthly SIP and One-Time Lump Sum investing.
- Outputs: Future Value, Total Invested, Wealth Gained, and a year-by-year forecast.
- Mobile-first charts with tooltips and short Indian currency format (₹, Lac, Cr).
Why trust this? Projections use standard compounding logic (SIP & lump sum) and are for education/planning—not investment advice. Learn more about mutual funds from SEBI and industry basics from AMFI. For tax planning (e.g., ELSS under Section 80C), also see our Income Tax Calculator.
How to Use the Mutual Fund Calculator (Step-by-Step)
This guide shows how to estimate future value, total invested, and wealth gained using our SIP calculator and lump sum calculator. Enter your details to model CAGR and compounding for FY 2025–26, then compare scenarios.
- Choose mode: Select Monthly SIP for recurring investments (rupee-cost averaging) or One-Time Lump Sum to invest a single amount upfront.
- Enter amount: For SIP, input your monthly contribution; for Lump Sum, input the one-time principal.
- Set duration (years): Longer horizons (10–20+ years) typically magnify compounding and smooth market volatility.
- Expected return (CAGR): As a planning baseline, Equity ~10–12%*, Hybrid ~8–10%*, Debt ~6–8%* (illustrative).
- Calculate & compare: Review Future Value, Total Invested and Wealth Gained. Use the year-by-year forecast to see how gains compound over time.
Tip: Try multiple rates (e.g., 8%, 10%, 12%) to stress-test outcomes. The forecast chart supports mobile scroll and tooltips for exact values.
Planning tax? ELSS (under Section 80C) can reduce tax while investing for goals. See Income Tax Calculator.
*Indicative ranges only. Actual mutual fund returns vary with market conditions and fund category. This tool is for education/planning and does not constitute investment advice.
SIP vs Lump Sum – Which Should You Choose?
Use this section to decide between a SIP (Systematic Investment Plan) and a Lump Sum based on risk tolerance, cash flow, and investment horizon. SIPs help with rupee-cost averaging and behavioral discipline; Lump Sum maximizes compounding on day one but carries higher market timing risk. Try both modes in the calculator above to compare outcomes for FY 2025–26.
| Strategy | Best When | Pros | Considerations |
|---|---|---|---|
| SIP (Systematic Investment Plan) | You prefer disciplined, monthly investing and want to average market volatility. Ideal for salaried individuals and goal-based investing (retirement, education). |
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| Lump Sum | You have investable surplus and can handle short-term volatility. Suitable when valuations are reasonable or for debt/hybrid deployment. |
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Prefer to try both? Switch between Monthly SIP and One-Time Lump Sum in the calculator above, then compare Future Value, Total Invested, and Wealth Gained.
For investor education, see SEBI and AMFI Investor Awareness. Use this calculator for planning; it doesn’t constitute investment advice.
Return Assumptions & Benchmarks (FY 2025–26)
When you use this mutual fund calculator India, we model returns using CAGR (Compound Annual Growth Rate). CAGR represents the smoothed annual growth of your investment, assuming it compounds over time. For example, an investment growing from ₹1 lakh to ₹2 lakh in 7 years reflects a CAGR of about 10%. Compounding means that both your capital and the gains earned continue to generate returns year after year.
The ranges below are illustrative benchmarks based on historical patterns of Indian mutual funds. They are not guaranteed returns and may vary depending on market conditions, asset allocation, and fund expenses. For context, refer to AMFI India and SEBI guidelines for mutual fund categories and disclosures.
| Category | Indicative CAGR Range* | Typical Use Case |
|---|---|---|
| Equity Funds | 10–12%* | Long-term wealth creation (10–15+ years); suited for higher risk tolerance. |
| Hybrid / Balanced | 8–10%* | Goal-based investing with moderate risk (retirement planning, child education). |
| Debt Funds | 6–8%* | Capital preservation and stability; useful for short-to-medium term goals. |
*These are illustrative ranges based on historical averages. Actual returns vary depending on market cycles, interest rate movements, and fund-specific expense ratios.
Year-by-Year Mutual Fund Growth Forecast (Explained)
This stacked bar chart shows how your money grows each year under SIP or lump sum investing. The grey portion is your contribution (Total Invested) and the green portion is the wealth created (Gains). Bars typically get taller over time as compounding accelerates returns.
- Hover / tap a bar to see the breakdown for that year — Total Invested, Gains, and the Total Amount (future value). This mirrors how a mutual fund returns calculator explains growth for FY 2025–26.
- For SIP, contributions rise linearly (every month), while gains curve upward in later years — a classic compounding effect. For a lump sum, most growth appears in the green portion as CAGR compounds on the initial principal.
- On mobile, you can scroll horizontally to review earlier years. Labels appear on later bars to keep the chart readable; the tooltip always shows the full numbers.
Assumptions are illustrative and based on the expected return (CAGR) you selected. Mutual funds are regulated by SEBI and industry norms published by AMFI India. Past performance is not indicative of future returns.
Worked Examples – Popular SIP & Lump Sum Scenarios
Many investors search for real-world scenarios such as ₹10,000 SIP for 15 years or ₹5 lakh lump sum for 10 years. Below tables show how such investments may grow based on expected CAGR (compounded annual growth rate). You can click Apply to instantly load these values into our mutual fund calculator and compare outcomes.
| Monthly SIP | Duration | Rate (CAGR) | Total Invested | Future Value | Wealth Gained |
|---|---|---|---|---|---|
| ₹10,000 | 15 years | 12% | ₹18,00,000 | ₹50,91,000 | ₹32,91,000 |
| ₹5,000 | 20 years | 10% | ₹12,00,000 | ₹38,17,000 | ₹26,17,000 |
| Lump Sum | Duration | Rate (CAGR) | Total Invested | Future Value | Wealth Gained |
|---|---|---|---|---|---|
| ₹5,00,000 | 10 years | 10% | ₹5,00,000 | ₹12,96,000 | ₹7,96,000 |
| ₹2,00,000 | 15 years | 12% | ₹2,00,000 | ₹10,50,000 | ₹8,50,000 |
Values are illustrative, assuming CAGR-based projections. Real-world mutual fund returns may differ due to market conditions, expense ratios, and category risks. For authoritative references, see SEBI and AMFI India.
Tax-Saving with ELSS (Section 80C)
Equity Linked Savings Schemes (ELSS) are mutual funds eligible under Section 80C of the Income Tax Act, 1961. They come with a mandatory 3-year lock-in period, the shortest among all tax-saving investments, and allow investors to claim deductions of up to ₹1.5 lakh per year. Because ELSS invests primarily in equities, it combines long-term wealth creation with tax efficiency, making it popular among SIP investors who also want tax benefits.
ELSS funds can be invested through monthly SIPs or lump sum contributions, depending on your financial plan. SIP mode helps you average out market volatility, while the lump sum option gives immediate exposure to equity markets.
- Learn more from SEBI – Investor Education on Mutual Funds
- Tax deduction details explained by Income Tax Department of India
- Practical guides on ELSS taxation at Economic Times – Mutual Funds Section
Explore related tools: Income Tax Calculator | Salary Calculator
Costs, Risks & Methodology (Please Read)
Costs (Expense Ratio & Other Charges)
Every mutual fund charges an Expense Ratio — a percentage of assets deducted annually to cover management and administrative costs. For example, an expense ratio of 1.5% means ₹1,500 is charged annually on a ₹1 lakh investment. Over long horizons, even small differences in costs can significantly impactnet returns. Always review the fund’s factsheet or KIM (Key Information Memorandum) before investing.
Reference: AMFI – Investor Guidelines on Mutual Funds
Risks (Market Volatility & Drawdowns)
Mutual funds are market-linked instruments. Equity fundsface volatility risk from stock markets, Debt fundsface interest-rate and credit risk, while Hybrid fundsbalance both. Short-term corrections are common, but a long-term investment horizon helps smooth out drawdowns. Match your choice with your risk appetite and financial goals rather than chasing recent returns.
Reference: RBI Bulletin – Market Risks and Investor Guidance
Methodology & Assumptions
Our calculator uses standard compound interest formulasfor both SIP and lump sum modes. For SIPs, it applies the future value of an annuity formula, while for lump sum it uses the future value compounding formula. The CAGR entered by you determines the growth rate applied. Please note that these figures are illustrative projections — actual fund performance may differ due to market fluctuations, fund manager decisions, and economic cycles.
Mutual Fund FAQs
Our Mutual Fund Returns Calculator (India, FY 2025–26) estimates the future value and wealth gained for both SIP (Systematic Investment Plan) and lump sum investments. Enter your amount, tenure and expected annual return to plan goals, compare SIP vs lump sum results, and make data‑backed, tax‑smart decisions for retirement, education, or wealth creation.
SIP returns are computed using compounding. Formula (for illustration): FV = P × [(1 + r)^n − 1] ÷ r × (1 + r), where P = monthly SIP, r = annual rate/12, n = months invested. Example: a ₹10,000 SIP for 15 years at 12% grows to ≈ ₹50,45,876 (total invested ₹18,00,000). Use the SIP calculator mode to instantly see maturity value and wealth gained.
Lump sum returns use compound growth: Maturity = Principal × (1 + R)^t, where R is annual return and t is years. Example: ₹5,00,000 invested for 10 years at 10% becomes ≈ ₹12,96,871. Use the Lump Sum (One‑Time) tab to project corpus and compare it with an equivalent SIP plan.
Both work. SIP suits salaried investors by adding discipline and rupee‑cost averaging through market cycles. Lump sum can compound more from day one if you invest at the right time. Use our calculator to compare “SIP vs lump sum” scenarios for the same total capital, time horizon and return rate, then pick what matches your risk and cash‑flow.
Use realistic long‑term assumptions: equity funds ~10–12% p.a., hybrid/balanced ~8–10%, debt funds ~6–8%. Markets vary, so test multiple scenarios (e.g., 8%, 10%, 12%) to create a conservative, base and optimistic plan. The calculator shows how small changes in CAGR impact your final corpus.
By default, results are pre‑tax and nominal (not inflation‑adjusted). For “real” returns, reduce your input rate by expected inflation (e.g., 4–6%). For taxes, equity MF gains held >1 year are typically taxed at 10% LTCG above ₹1 lakh; <1 year at 15% STCG. Debt fund gains are generally taxed as per slab. ELSS offers Section 80C deductions up to ₹1.5 lakh (3‑year lock‑in).
Yes. ELSS (tax‑saving equity mutual funds) qualify for Section 80C deductions up to ₹1.5 lakh per year and have a 3‑year lock‑in. Use the calculator to project ELSS growth via SIP or lump sum, then factor in your 80C tax saving along with potential investment returns.
Start with SIP mode, enter a monthly amount you can sustain, pick a long horizon (20–30 years) and a prudent return (e.g., 10–12% for equity). Increase the SIP annually (step‑up) to match salary hikes. Iterate amounts and tenure until the maturity value meets your retirement corpus target.
Asset mix (equity/debt/hybrid), market cycles, investment horizon, expense ratio, SIP consistency/step‑up, exit loads, and your behavior (staying invested) influence outcomes. Longer horizons and disciplined SIPs typically harness compounding better and smooth short‑term volatility.
CAGR is the annualized growth rate of a lumpsum over time; it helps compare funds and plans. XIRR measures annualized returns for uneven cash flows like SIPs. Our calculator estimates future value from your inputs; you can use CAGR/XIRR to evaluate actual fund performance history.
Ideally yes. A 5–10% annual SIP step‑up helps beat inflation and align with salary growth, accelerating your path to goals (e.g., ₹1 crore corpus). You can simulate a step‑up by increasing the SIP amount in the calculator and observing the impact on maturity value.
Mutual funds are SEBI‑regulated and professionally managed, but market‑linked. For long‑term goals, equity or index funds can drive wealth creation; hybrid/balanced funds add stability; debt funds lower volatility. Diversify across categories and stay invested through cycles to reduce risk.