About the Lumpsum Calculator
A lumpsum is a single, one-time investment — suitable when you have surplus capital and a long horizon. This calculator compounds your amount at an assumed annual return for the chosen period and shows the estimated maturity value.
Lumpsum vs SIP
A lumpsum puts the full amount to work immediately, which helps in a rising market but carries timing risk. A SIP spreads investments over months, averaging cost and reducing timing risk. Many investors use both — a lumpsum for windfalls and SIPs for regular savings.
Who should consider a lumpsum
If you have idle surplus (a bonus, maturity proceeds or savings) and can stay invested for several years, a lumpsum in a diversified fund can be efficient. For money you may need soon, consider lower-risk options instead.
Lumpsum Calculator — frequently asked questions
Is lumpsum better than SIP?
Neither is universally better. A lumpsum can outperform in a steadily rising market; a SIP reduces timing risk through cost averaging. Your choice depends on cash flow, horizon and risk appetite.
How is the maturity value calculated?
It applies annual compounding — amount × (1 + rate)^years — at your assumed return. Actual mutual fund returns vary with the market.
Can I invest a lumpsum in direct funds on ROAR?
Yes — ROAR offers zero-commission direct mutual funds, so more of your money stays invested and compounds over time.