MAM
Be the change to make one: Shravan & Sanjay Kumaran
GOA: Take a look back in time when you were 14, do you recall of anything significant that you had done?
Unlike the other teens, who spend half of their time playing or daydreaming, Shravan and Sanjay Kumaran who are in their early teens have gone ahead to do something which is extraordinary. At the ninth edition of GoaFest, no one had really expected two kids all suited, to go up on the stage confidently to share their business story. With a grin and passion in their eyes Shravan and Sanjay, breaking their nervousness said, “We feel as if we have come for an awesome party.”
The duo kick started the session smartly making the audience cheer for them. They sweetly narrated their story to a packed audience. Two years ago, the Kumaran brothers launched a mobile application on apple store. They set a challenge to first upload an application on apple store. The reason was impressive: They wanted to create an application that is worth downloading. As the Apple store has a rigid process of evaluating, Kumaran brothers thought to take a risk, all for good learning.
Like a dream come true incident, their first application called ‘Catch Me Cop’ was approved by the Apple store within a week’s time. The application also got remarkable response. The duo mentioned that all this happened without any marketing or word of mouth activity.
There was no looking behind for them from then. They have tested over 150 applications till date and have published a few innovative apps for various mobile platforms. From taking their mother’s advice to creating storylines from their real life episodes, the Kumaran brothers have set a standard in today’s ever emerging small screen businesses.
The two teens believe that mobile has the power to change the world and the future looks “awesome.” What is even better to hear about them is the fact that they are thinking like visionaries. The two of them have decided to give away 15 per cent of their profits to charity. They believe, “Be the change to make one.”
Looking at the Kumaran brothers; we are sure that our future is in good hands!
Investing a large amount at one time is a common strategy among mutual fund investors who want to build long-term wealth. This approach, known as lumpsum investment, is usually adopted by investors who have surplus funds, a long investment horizon, clear financial goals, confidence in market cycles, and the ability to digest higher risks.
However, since your entire amount is invested at once, it becomes important to learn how the capital may grow over time. This understanding helps in goal planning, risk assessment, return expectations, time management, and better decision-making. This is where a lumpsum calculator helps.
Let’s explore in detail how this online, easy-to-use tool helps you estimate investment growth.
What a lumpsum calculator does
A lumpsum calculator helps you calculate the maturity amount of mutual fund investments within a few seconds. You have to enter only three main inputs:
- The amount to be invested
- Duration of the investment (in years)
- Expected rate of return per annum
After you enter these details, simply click on ‘Calculate now’. Now the tool will instantly show the total value of your lumpsum investment at the end of the chosen period. This includes both the principal amount and the gains earned through compounding.
Know how a lumpsum calculator helps estimate investment growth
A lumpsum calculator allows you to understand the relationship between the investment amount, time, and rate of return. These are the three key elements that drive wealth creation. By changing these inputs, the calculator clearly shows how each factor affects the final investment value. Learn how in detail below:
Understanding the role of investment amount on growth
A higher initial investment generally results in higher absolute returns over time. A lumpsum calculator helps investors visualise this relationship instantly.
For example, if you invest ₹5 lakh in the best mutual funds for 10 years at an expected return of 12% per annum, the investment may grow to approximately ₹15.52 lakh. If you increase the investment to ₹10 lakh with the same time period and return, the estimated value doubles to around ₹31.05 lakh.
This comparison helps you decide how much capital you should invest to fulfil your financial goals.
Understanding the impact of time on investment outcomes
Time plays an important role in investment growth due to compounding. A lumpsum calculator clearly shows how staying invested for longer periods increases returns significantly.
For example, an investment of ₹5 lakh at 12% for 5 years may grow to around ₹8.81 lakh. If the same amount remains invested for 15 years, the estimated value increases to nearly ₹27.36 lakh. This example proves how longer tenures create a larger corpus without increasing the investment amount.
Understanding how the rate of return affects wealth creation
The expected rate of return directly influences how fast an investment grows. A lumpsum calculator allows you to compare different return scenarios easily.
For example, investing ₹5 lakh for 20 years at a 10% return may result in a value of around ₹33.63 lakh. At a 12% return, the same investment could grow to approximately ₹48.23 lakh. This difference shows how even a small change in return rate can greatly impact long-term investment outcomes.
Closing note
A lumpsum calculator makes mutual fund investment planning easier and more practical for every investor. It simplifies complex calculations and shows how your investment amount, time, and rate of return work together to build wealth through compounding.
By giving you clear projections, it helps you set realistic goals, compare investment options, and make well-informed decisions. Whether you are investing for short-term gains or long-term goals, a lumpsum calculator helps make every financial move guided and strategic.
