What a lumpsum becomes
Money invested once and left alone, from ₹1 lakh to ₹1 crore — after 5, 10, 15, 20 and 30 years.
Use your own amount| Invested | 5 years | 10 years | 15 years | 20 years | 30 years |
|---|---|---|---|---|---|
| ₹1 lakh | ₹1.76 L | ₹3.11 L | ₹5.47 L | ₹9.65 L | ₹29.96 L |
| ₹2 lakh | ₹3.52 L | ₹6.21 L | ₹10.95 L | ₹19.29 L | ₹59.92 L |
| ₹5 lakh | ₹8.81 L | ₹15.53 L | ₹27.37 L | ₹48.23 L | ₹1.5 Cr |
| ₹10 lakh | ₹17.62 L | ₹31.06 L | ₹54.74 L | ₹96.46 L | ₹3 Cr |
| ₹20 lakh | ₹35.25 L | ₹62.12 L | ₹1.09 Cr | ₹1.93 Cr | ₹5.99 Cr |
| ₹25 lakh | ₹44.06 L | ₹77.65 L | ₹1.37 Cr | ₹2.41 Cr | ₹7.49 Cr |
| ₹50 lakh | ₹88.12 L | ₹1.55 Cr | ₹2.74 Cr | ₹4.82 Cr | ₹14.98 Cr |
| ₹1 crore | ₹1.76 Cr | ₹3.11 Cr | ₹5.47 Cr | ₹9.65 Cr | ₹29.96 Cr |
At 12% a year, compounded yearly, before tax. Tap any row for the full breakdown.
Questions people ask
How is a lumpsum’s growth calculated?
Value = amount × (1 + yearly return)^years. Each year’s growth is added to the pot and earns returns of its own — that’s compounding.
Why does 30 years dwarf 20?
At 12% a year, money roughly doubles every 6 years. Ten extra years is almost two more doublings, so the 30-year value is about three times the 20-year one.
Lumpsum or SIP?
If you already have the money, investing it sooner has usually won. A SIP suits money you earn month by month. Many people do both: invest a windfall at once, or over a few months through an STP, and keep a monthly SIP running.
Are 12% returns realistic?
Equity funds in India have returned roughly 10–13% a year over long periods, with sharp falls along the way. Each page also shows 7%, 10% and 14%.