- Amount invested
- ₹1,00,000
- Time
- 5 years
- At 8% a year
- ₹1,46,933
- At 12% a year
- ₹1,76,234
- In a 7% FD (quarterly)
- ₹1,41,478
How long to double
At 12% money doubles in about 6 years (72 ÷ 12). At 8% it takes about 9 years.
₹1 lakh Invested for 5 years: How Much Will It Become?
₹1,00,000 invested once for 5 years can grow to about ₹1.76 lakh at a 12% yearly return. In a 7% fixed deposit the same money would become about ₹1.41 lakh.
Year by year
| Year | Invested | Value at 12% |
|---|---|---|
| 1 | ₹1,00,000 | ₹1,12,000 |
| 2 | ₹1,00,000 | ₹1,25,440 |
| 3 | ₹1,00,000 | ₹1,40,493 |
| 4 | ₹1,00,000 | ₹1,57,352 |
| 5 | ₹1,00,000 | ₹1,76,234 |
If the yearly return is different
| Yearly return | Value after 5 years |
|---|---|
| 8% | ₹1.47 lakh (₹1,46,933) |
| 10% | ₹1.61 lakh (₹1,61,051) |
| 12% (this page) | ₹1.76 lakh (₹1,76,234) |
| 14% | ₹1.93 lakh (₹1,92,541) |
Mutual fund returns are not fixed. Equity funds have often given 10–14% a year over long periods in India, but some years are negative.
Good to know
- If you are nervous about timing, spread a lumpsum over 6–12 months through an STP.
- Long periods matter more than the starting day.
Try your own numbers
Similar answers
Rates used: October–December 2026 where a government rate applies. Results are estimates.