SIP vs Lumpsum: Which Investment Strategy Wins?

Compare Systematic Investment Plan (SIP) vs one-time Lumpsum investment. See real numbers for different time horizons and market conditions.

Use our calculator pre-loaded with these values:

Open Calculator →

SIP vs Lumpsum: Key Differences

Lumpsum: ₹1.2 lakhs invested once at 12% for 10 years = ~₹3.73 lakhs. SIP: ₹10,000/month (same ₹1.2 lakhs total) at 12% for 10 years = ~₹23.2 lakhs. SIP wins because each installment gets more time to compound. However, if the market is at a low point, a lumpsum invested then can outperform SIP. SIP reduces timing risk through rupee-cost averaging.

Try both calculators: SIP Calculator | Lumpsum Calculator

Disclaimer: This calculator is for educational purposes only. Mutual fund investments are subject to market risks. Please consult a financial advisor before investing.