Lump Sum vs SIP
Compare putting money in at once versus investing every month, with optional SIP step-up and a market mood for the path.
Who wins: lump sum or SIP?
Same horizon, two styles. See which corpus finishes ahead.
In plain words
Lump sum puts the full amount to work on day one. SIP drip-feeds every month and can step up each year. In a rising market, early money often wins. In a choppy or falling stretch, averaging in can catch up or pull ahead.
1. Your amounts
What are you comparing?
All invested on day one.
Before any annual step-up.
2. Timeline and market
How long, and what mood?
Tenure
Market phase
Base rate used: about 15.8% p.a., plus monthly noise.
Annual SIP step-up
10%Each year the monthly SIP rises by this percent. 0% keeps it flat.
3. The verdict
After 10 years
SIP wins by ₹17,83,378
In this bull market path (~15.8% base), monthly averaging finished ahead over 10 years with a 10% SIP step-up.
Lump sum final
₹22,88,530
Invested ₹5,00,000
SIP final
₹40,71,907
Invested ₹19,12,491
Edge
₹17,83,378
SIP advantage
SIP step-up
10%
Yearly escalation
4. Growth path
Corpus over the years
Each run adds light monthly noise on top of the base return, so the lines are not a perfect straight compound path.
FAQ
Planning picture only, not advice. Real returns, timing, and taxes will differ. Use this to compare styles, not to predict a precise corpus.