Calculate the future maturity value of a single one-time investment in SBI Mutual Funds over 3, 5, 10, or 20 years.
Calculate projected future value on a single one-time mutual fund investment
Your one-time investment of ₹1,00,000 will compound to ₹3.11L in 10 years at 12% p.a.
₹1,00,000
₹2,10,585
₹3,10,585
Year-by-year accumulation showing total principal invested and returns generated.
| Year | Principal | Cumulative Gain | Total Value |
|---|---|---|---|
| Year 1 | ₹1,00,000 | +₹12,000 | ₹1,12,000 |
| Year 2 | ₹1,00,000 | +₹25,440 | ₹1,25,440 |
| Year 3 | ₹1,00,000 | +₹40,493 | ₹1,40,493 |
| Year 4 | ₹1,00,000 | +₹57,352 | ₹1,57,352 |
| Year 5 | ₹1,00,000 | +₹76,234 | ₹1,76,234 |
| Year 6 | ₹1,00,000 | +₹97,382 | ₹1,97,382 |
| Year 7 | ₹1,00,000 | +₹1,21,068 | ₹2,21,068 |
| Year 8 | ₹1,00,000 | +₹1,47,596 | ₹2,47,596 |
| Year 9 | ₹1,00,000 | +₹1,77,308 | ₹2,77,308 |
| Year 10 | ₹1,00,000 | +₹2,10,585 | ₹3,10,585 |
If the market trends steadily upwards with minimal corrections, a lumpsum investment theoretically generates higher absolute wealth because 100% of the capital compounds from day one. However, in volatile or declining markets, SIP outperforms by taking advantage of rupee cost averaging across multiple market dips.
A lumpsum investment is a single, one-time bulk deposit made into a mutual fund scheme, as opposed to periodic monthly contributions in a SIP. It is commonly used when investors receive annual bonuses, business profits, or asset sale proceeds.