Compare SIP vs lumpsum returns side by side in India. Enter monthly SIP, one-time amount, expected return and tenure to see which builds a bigger corpus.
SIP corpus = monthly compounding of every instalment at expected return ÷ 12Lumpsum corpus = one-time amount × (1 + expected return) ^ yearsBoth use the same assumed return; the higher corpus winsWhich is better, SIP or lumpsum has no universal winner, only a per-situation one. This page runs both engines on your numbers at the same assumed return: monthly compounding for the SIP, annual compounding for the lump sum, and declares the bigger corpus with the exact difference.
Read the invested rows before celebrating: SIP totals often exceed the lump sum entered, which is why SIP frequently shows the bigger number here. For a fair fight, set the lump sum near the SIP's total outgo, and then timing, not size, decides.
Real-world tiebreakers: lump sums win when deployed before rallies, SIPs win across volatile sideways years, and taxes differ since each SIP instalment carries its own 12-month LTCG clock versus one clock for the lump sum.
At the same assumed return a lumpsum often shows a higher corpus because the full amount compounds from day one. In real markets timing matters: lumpsum wins if invested before a rally, SIP wins by averaging volatile markets.
Yes. Many investors park a lump sum in a liquid fund and start an STP (systematic transfer plan) into equity, combining both styles. Ask your adviser what suits your cash flow.
No. This tool is for education only. Mutual fund investments are subject to market risks; read all scheme documents carefully and consult a SEBI-registered adviser before investing.
Because the total SIP outgo over the years is usually much larger than the one-time lumpsum entered. Check the 'invested' rows — a fair fight needs roughly equal totals on both sides.
Mathematically no — both use your rate. In reality a lumpsum is timing-sensitive (one entry date) while SIP spreads entries across highs and lows, which is the real-world edge.
The rates are the same, but every SIP instalment gets its own 12-month LTCG clock, while a lumpsum's whole holding period starts on a single date. This changes which units qualify as long-term on redemption.
Last updated: 14 Oct 2026, 00:15 IST