Lumpsum Mutual Fund CAGR & Real Corpus Calculator
Project one-time lumpsum investment compounding, wealth multiple, post-LTCG tax net maturity, and real inflation-adjusted CAGR. Benchmarked against India’s published RBI Repo Rate (5.5%) and MoSPI Headline CPI Inflation (5.54%).
Sample ₹5,00,000 Lumpsum Growth Schedule (15 Years @ 12% CAGR)
Wealth Multiple: 5.47x. Real CPI-Adjusted CAGR (5.54% CPI): 6.12% p.a.
| Horizon | Nominal Value | Compounded Gains | Real Purchasing Power |
|---|---|---|---|
| Year 5 | ₹8,81,171 | ₹3,81,171 | ₹6,72,937 |
| Year 10 | ₹15,52,924 | ₹10,52,924 | ₹9,05,689 |
| Year 15 | ₹27,36,783 | ₹22,36,783 | ₹12,18,945 |
Frequently Asked Questions
How does lumpsum mutual fund compounding work?
A one-time principal P compounds annually at rate R using FV = P × (1 + R)^n, where gains from earlier years earn returns in all subsequent years.
How is Real CAGR calculated for a lumpsum investment?
Real CAGR adjusts your nominal return for CPI inflation (5.54%) via ((1 + Nominal CAGR) / (1 + CPI Inflation)) − 1, reflecting actual purchasing power growth per year.
When is lumpsum preferred over monthly SIP?
Lumpsum deployment suits one-time windfalls such as bonuses, maturity proceeds, or treasury surpluses when paired with an appropriate asset-allocation horizon.