How is lumpsum maturity calculated?

It uses standard annual compounding: maturity = principal × (1 + rate) ^ years. Every year in the table applies the same rate to the previous year’s closing balance.

Lumpsum or SIP — which is better?

A lumpsum puts the whole amount to work immediately, so in a rising market it usually finishes ahead. A SIP spreads the entry price across months and cushions bad timing. If the money is already in hand and the horizon is long, lumpsum tends to win on maths; SIP tends to win on behaviour.

Lumpsum Calculator

One investment, compounded over time. See the maturity value and how the growth stacks up year after year.

Maturity value

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Returns share

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Year by year

Frequently asked

How is lumpsum maturity calculated?: It uses standard annual compounding: maturity = principal × (1 + rate) ^ years. Every year in the table applies the same rate to the previous year’s closing balance.
Lumpsum or SIP — which is better?: A lumpsum puts the whole amount to work immediately, so in a rising market it usually finishes ahead. A SIP spreads the entry price across months and cushions bad timing. If the money is already in hand and the horizon is long, lumpsum tends to win on maths; SIP tends to win on behaviour.

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