SIP vs Lumpsum
Compare the same total investment deployed as monthly SIP versus a single lumpsum.
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SIP vs Lumpsum Comparison
Same total amount invested: SIP spread over the tenure vs Lumpsum deployed on Day 1.
Total Invested
₹18.00 L
SIP Final Corpus
₹50.46 L
Lumpsum Final Corpus
₹98.52 L
WinnerLumpsum wins by ₹48.07 L
Lumpsum beats SIP when you deploy capital early in a consistently rising market. Over 15 years at 12%, the lumpsum invested on Day 1 benefits from full compounding for the entire period.
When to Choose Each
SIP is better when:
- • Markets are volatile / sideways
- • You have regular income, not a lump sum
- • You need discipline to stay invested
- • You fear buying at market peaks
Lumpsum is better when:
- • Markets are at multi-year lows / corrections
- • You have a windfall (bonus, inheritance)
- • Investment horizon is very long (15+ years)
- • You are investing in debt / fixed income