SIP vs Lumpsum Comparison
Compare monthly SIP investing against deploying the same total as a one-time lumpsum
Configure Comparison
Growth Comparison
SIP gradual deployment vs Lumpsum full deployment
Metric Comparison
Invested, returns, and total value side by side
SIP Breakdown
Lumpsum Breakdown
Year-by-Year Comparison
SIP vs Lumpsum values each year
| Year | SIP Invested | SIP Value | Lumpsum Value | Difference |
|---|---|---|---|---|
| Year 1 | ₹1.20 L | ₹1.28 L | ₹26.88 L | +₹25.60 L |
| Year 2 | ₹2.40 L | ₹2.72 L | ₹30.11 L | +₹27.38 L |
| Year 3 | ₹3.60 L | ₹4.35 L | ₹33.72 L | +₹29.37 L |
| Year 4 | ₹4.80 L | ₹6.18 L | ₹37.76 L | +₹31.58 L |
| Year 5 | ₹6.00 L | ₹8.25 L | ₹42.30 L | +₹34.05 L |
| Year 6 | ₹7.20 L | ₹10.58 L | ₹47.37 L | +₹36.80 L |
| Year 7 | ₹8.40 L | ₹13.20 L | ₹53.06 L | +₹39.86 L |
| Year 8 | ₹9.60 L | ₹16.15 L | ₹59.42 L | +₹43.27 L |
| Year 9 | ₹10.80 L | ₹19.48 L | ₹66.55 L | +₹47.07 L |
| Year 10 | ₹12.00 L | ₹23.23 L | ₹74.54 L | +₹51.31 L |
| Year 11 | ₹13.20 L | ₹27.46 L | ₹83.49 L | +₹56.02 L |
| Year 12 | ₹14.40 L | ₹32.23 L | ₹93.50 L | +₹61.28 L |
| Year 13 | ₹15.60 L | ₹37.59 L | ₹1.05 Cr | +₹67.13 L |
| Year 14 | ₹16.80 L | ₹43.64 L | ₹1.17 Cr | +₹73.65 L |
| Year 15 | ₹18.00 L | ₹50.46 L | ₹1.31 Cr | +₹80.91 L |
| Year 16 | ₹19.20 L | ₹58.14 L | ₹1.47 Cr | +₹88.99 L |
| Year 17 | ₹20.40 L | ₹66.79 L | ₹1.65 Cr | +₹97.99 L |
| Year 18 | ₹21.60 L | ₹76.54 L | ₹1.85 Cr | +₹1.08 Cr |
| Year 19 | ₹22.80 L | ₹87.53 L | ₹2.07 Cr | +₹1.19 Cr |
| Year 20 | ₹24.00 L | ₹99.91 L | ₹2.32 Cr | +₹1.32 Cr |
Important Note
In a consistently rising market, lumpsum investing typically outperforms SIP because all your capital is deployed from Day 1. However, SIP offers rupee cost averaging during volatile markets, reducing the risk of investing at a market peak. For most investors, SIP is preferred because it aligns with regular income patterns and reduces timing risk.
Calculator results are for illustration purposes only. Actual returns may vary based on market conditions, fund performance, and other factors. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns.