Shree Sai Insurance
AMFI-registered mutual fund distributor · ARN-166386 · EUIN E322905
What does a one-time investment become?
Prepared 9 November 2026
Lumpsum growth
What does a one-time investment become?
Compound a single investment over a horizon, and compare it against staggering the same amount in over a year.
Value after 15 years
₹27,36,783
- You invest
- ₹5.00 L
- Compounding adds
- ₹22.4 L
- Multiple of capital
- 5.47×
A single investment left alone. The multiple is what compounding does to one decision, and it is why the horizon matters more than the entry date.
What this assumes
- Compounding
- Annual
- Returns
- Constant, as you set them
- Staggered comparison
- 12 equal monthly tranches
- Withdrawals
- None until the end of the period
What it does not account for
- Capital gains tax on redemption, and the indexation rules that apply to debt schemes.
- Exit load on units sold within the scheme's minimum holding period.
- The return earned by money waiting in a liquid fund during a staggered entry, which slightly understates the staggered figure here.
- Any addition to the investment after day one. Use the SIP calculator for that.
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Outputs here are illustrations based on the assumptions you set, not projections of any scheme’s performance.
This is an illustration of compound growth under the assumptions shown, not a projection, a forecast or a guarantee of any scheme’s performance. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.
Shree Sai Insurance is the practice of Amit Dhirajlal Waghela, an AMFI-registered mutual fund distributor (ARN-166386), not a SEBI-registered investment adviser. The firm earns commission from asset management companies on the schemes it distributes, does not charge a fee for distribution, and does not guarantee returns. Insurance is offered separately from the mutual fund distribution business.
+91 98672 00166 · shreesaiinsurance@gmail.com · www.shreesaiinsurance.com
A number is not a plan.
The calculator tells you the size of the gap. Closing it takes a scheme selection, an allocation and a review schedule.