Rs 7,00,000 One-time Investment in Mutual Funds: How many years can it take to create Rs 1,00,00,000-Rs 4,00,00,000 corpus at a given rate?
The mutual fund industry in India experienced record SIP contributions in April 2025, with total inflows exceeding Rs 26,632 crore, the highest amount ever for a single month, according to the Association of Mutual Funds in India (AMFI) data.
A one-time or lump sum investment is a method to invest in mutual funds. In this, investors can park a large amount at one time in a mutual fund. This approach works well for people who have a substantial amount of money to invest and are prepared to put up with possible market volatility in exchange for possibly higher returns. The other way to invest in a mutual fund is SIP (systematic investment plan), in which you invest a fixed amount at regular intervals.
Images: Pixabay
One time investment in mutual funds
This article will calculate how many years it will take to generate Rs 1 crore to Rs 4 crore corpus if an individual invests Rs 7 lakh in mutual funds.
How to create a Rs 1 crore corpus?
If an individual invests Rs 7 lakh in mutual funds, they can create a Rs 1 crore corpus in 24 years.
Calculations
Invested amount: Rs 7,00,000
Period: 24 years
Estimated returns: Rs 99,25,040
Total value: Rs 1,06,25,040
How to create a Rs 2 crore corpus?
If an individual invests Rs 7 lakh in mutual funds, they can create a Rs 2 crore corpus in 30 years.
Calculations
Invested amount: Rs 7,00,000
Period: 30 years
Estimated returns: Rs 2,02,71,945
Total value: Rs 2,09,71,945
How to create a Rs 3 crore corpus?
If an individual invests Rs 7 lakh in mutual funds, they can create a Rs 3 crore corpus in 34 years.
Calculations
Invested amount: Rs 7,00,000
Period: 34 years
Estimated returns: Rs 3,22,99,762
Total value: Rs 3,29,99,762
How to create a Rs 4 crore corpus?
If an individual invests Rs 7 lakh in mutual funds, they can create a Rs 4 crore corpus in 36 years.
Calculations
Invested amount: Rs 7,00,000
Period: 36 years
Estimated returns: Rs 4,06,94,902
Total value: Rs 4,13,94,902
Annual returns
In the above calculations, we have assumed an annualised return of 12 per cent.
Investing in mutual funds is subject to market risks. Consult your advisor before making any investment.