Comparison Tool

SIP vs Lumpsum

If you have ₹12,00,000 today, should you invest it all at once or spread it out via SIP?

Investment Simulation

Total Capital to Deploy (₹)

Lumpsum invests this immediately. SIP invests ₹10,000 monthly for 120 months.

Time Horizon (Years)

Expected Return (%)

Maturity Value

SIP Route

₹23,23,391

Lumpsum Route

₹37,27,018

Lumpsum generates ₹14,03,627 more wealth than SIP in a constant growth market.

Detailed guide and formula

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Key terms and questions

Tax rules and deductions