SIP vs Lumpsum
Same money, two approaches — compare the outcome.
Your details
₹
₹10,000₹5,00,00,000
%
1 %30 %
yrs
1 yrs30 yrs
Lumpsum value
₹37,27,018
SIP value
₹23,23,391
Equivalent monthly SIP
₹10,000
Difference
₹14,03,627
- Lumpsum
- SIP
At a constant return lumpsum always wins because all the money compounds from day one. In real markets, SIPs reduce timing risk through rupee-cost averaging.
Your next step
Turn this projection into a plan.
A free, no-obligation review with Aman Sehgal, CFP — your result is shared so we can prepare.
Assumptions
- Lumpsum invested fully on day one; SIP splits the same total equally across every month.
- Returns are assumed constant every year; real markets are volatile and returns are not guaranteed.
Illustrative only. Projections use the assumptions shown and are not guaranteed. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. These tools are educational and are not personalised investment advice. Unnati Investments is an AMFI-registered mutual fund distributor (ARN-302589).