There is no single best fund — it depends on your horizon and risk. SBI Mutual Fund's most widely held equity schemes include SBI Contra Fund, SBI Small Cap Fund, SBI Bluechip Fund. The real-returns table on this page shows their actual annualised returns over 1, 3 and 5 years; open any fund's page for holdings, risk and rolling returns.
SBI Lumpsum Calculator
Project a one-time investment in SBI Mutual Fund schemes at your expected return, and see what the same amount actually did in SBI Contra Fund, SBI Small Cap Fund, SBI Bluechip Fund using real NAV history.
Invested amount
₹1,00,000
Estimated returns
₹2,10,585
Total value
₹3,10,585
Value in today's rupees
₹1,73,429
Same money as ₹833/month SIP
₹1,93,616
Year-by-year growth
| Year | Value | Returns | In today's ₹ |
|---|---|---|---|
| 1 | ₹1,12,000 | ₹12,000 | ₹1,05,660 |
| 2 | ₹1,25,440 | ₹25,440 | ₹1,11,641 |
| 3 | ₹1,40,493 | ₹40,493 | ₹1,17,961 |
| 4 | ₹1,57,352 | ₹57,352 | ₹1,24,638 |
| 5 | ₹1,76,234 | ₹76,234 | ₹1,31,692 |
| 6 | ₹1,97,382 | ₹97,382 | ₹1,39,147 |
| 7 | ₹2,21,068 | ₹1,21,068 | ₹1,47,023 |
| 8 | ₹2,47,596 | ₹1,47,596 | ₹1,55,345 |
| 9 | ₹2,77,308 | ₹1,77,308 | ₹1,64,138 |
| 10 | ₹3,10,585 | ₹2,10,585 | ₹1,73,429 |
- Lumpsum compounds annually. The SIP comparison spreads the same amount evenly across every month of the tenure.
Check against real SBI Mutual Fund returns
The projection above assumes a constant return. Below is what SBI Mutual Fund's schemes actually delivered using their NAV history — and you can run the same calculation on any fund.
Choose a fund
SBI Small Cap Fund Direct-Growth
How the SBI Lumpsum Calculator works
A lumpsum investment is a single deposit left to compound. Its future value depends only on the amount, the rate and the time — the classic compound-interest formula.
The SIP comparison answers "should I invest it all now or stagger it?" Mathematically a lumpsum wins whenever returns are positive, because every rupee is invested from day one. SIPs win psychologically and when markets fall after you invest.
FV = P × (1 + r)^n
- P
- one-time investment
- r
- annual return
- n
- years
Worked example
- One-time investment: ₹1,00,000
- Expected return (p.a.): 12%
- Time period: 10 Yr
- Expected inflation (p.a.): 6%
₹1 lakh at 12% for 10 years becomes about ₹3.1 lakh — ₹2.1 lakh of it return. In today's money (6% inflation) that is worth about ₹1.73 lakh. The same ₹1 lakh drip-fed as an ₹833 monthly SIP would end near ₹1.94 lakh.