PNB Lumpsum Calculator

Calculate the future value of your lumpsum investment with our Lumpsum Calculator.

Total Investment

For a time period of

Years

1 Year

40 Years

At a growth rate of

2.5

P.A.

1 %

30 %

Past 5 year returns of

Gold

Bank FD

Nifty

12%

Investment Amount

₹0

Estimated Returns

₹0

Total Value

₹0

If you contribute ₹0 for the next 10 Years, you’ll have ₹0 (0.00 Lakh) in savings.

What is a Lumpsum Investment?

A lumpsum investment is a method of investment wherein you invest a sum of money once. Suppose you invested INR 1 lakh in a mutual fund by making a one-time investment, then it is a lumpsum investment.

It is different from a SIP Investment. In the SIP investment plan, you invest amount at regular intervals. Whereas in a lumpsum investment, you invest the entire amount in one go. The investment amount in lumpsum could vary from person to person based on their risk appetite.

Difference between a Lumpsum Investment and a SIP

Particulars	Lumpsum	SIP
Meaning	Invest a large sum of money in a single outgo.	Invest a set amount of money regularly.
Period	One-time investment	Regular investment
Suitability	Short term goals	Long term goals
Modification	Not applicable	Allowed
Risk Element	Higher as compared to SIP	Low as it averages out fluctuations in the market

What is a Lumpsum Calculator?

A Lumpsum Calculator is an online tool that helps to know the future value of your lumpsum investment. In simpler words, a Lumpsum Calculator gives you the amount you will be getting in the future if you invest a certain amount today at a pre-defined interest rate for a fixed period.

Using a Lumpsum calculator to know the future value of your investment can save you a lot of time.

How does a Lumpsum Investment Calculator work?

A lumpsum investment calculator works on a compound interest formula:

The formula is given below:

FV=PV(1+R)^N

FV	FV is the future value of the investment. It is the amount that the individual could expect to receive in the future.
PV	PV is the present value of the investment. It is the amount in hand with the individual for investing.
R	R is the return on investment.
N	N is the investment tenure

Let’s understand it with an example.

Mr. X wants to invest a lumpsum amount of INR 100,000 in a mutual fund that yields an average return of 12% p.a. for the next ten years.

Now, he wants to know the future value or the amount he will receive after 10 years.

By simply putting the values in the calculator, he can know the final investment value after 10 years, which will be INR 310,585.

Why you should use a Lumpsum Calculator?

Simplification:
Calculating the future value of your investment using the compounding formula with the help of a traditional calculator could be a hassle. Using a financial tool like the Lumpsum Calculator simplifies the whole process of computing the future value of the investment.
Cost Efficiency:
Our lumpsum calculator is free to use. It requires only a few numerical inputs to estimate the future value of your investment.
Time Efficiency:
Calculating the future value of your investment by traditional methods is time-consuming, especially for those unfamiliar with mathematical terms. A lumpsum investment calculator can save a significant amount of time.
Comparison:
There are different investment options available in the market. It becomes hard to compare every alternative without using a Lumpsum Calculator.