📈💰 SIP vs Lumpsum · 2026
💰 Lumpsum
12L
📆 SIP/mo
₹10K
⏱️ Years
10
📊 Winner
Lumpsum
📉 Your assumptions (2026)
Lumpsum wins
💰 Lumpsum after 10y₹37.3L
📆 SIP corpus₹23.2L
📊 Difference+₹14.1L
📈 SIP invested₹12L
💡 Insight: Lumpsum wins due to longer compounding. SIP reduces timing risk.
📊 Final corpus comparison
💰 lumpsum (gold) · 📆 SIP (blue)
⚡ Gold bar: lumpsum · 🔵 Blue bar: SIP
📈 Wealth growth over time
💰 lumpsum (gold) · 📆 SIP (blue)
📘 Your scenario explained (2026)
- Lumpsum: ₹12,00,000 invested for 10y at 12% → ₹37.3L.
- SIP: ₹10,000/mo for 10y (total ₹12L) → ₹23.2L.
- Winner: Lumpsum by ₹14.1L.
- 💡 Takeaway: Lumpsum benefits from full compounding; SIP is safer in volatile markets.
📋 Best practices · 2026
- Lumpsum for falling markets: After a correction, lumpsum can capture upside.
- SIP for volatility: With global uncertainty, SIP reduces timing risk.
- Time in market beats timing: Over 10+ years, lumpsum has outperformed SIP ~65% of the time in rising markets.
- Tax efficiency (2026): LTCG on equity (>1y) above ₹1.25L taxed at 12.5%; STCG at 20%.
- Emergency fund first: Never invest a lump sum without 12 months of expenses saved.
- Use SIP for regular income: Ideal for salaried; lumpsum suits windfalls.
Frequently asked questions
Live answers based on your sliders · 2026
📈 SIP vs Lumpsum basics
Based on your inputs, lumpsum wins by ₹14.1L. Historically, lumpsum tends to outperform over long horizons, but SIP reduces risk.
Your SIP of ₹10,000/mo for 10y at 12% grows to ₹23.2L.
💰 Tax & expenses
LTCG above ₹1.25L is taxed at 12.5%. For your lumpsum gain of ₹25.3L, tax would be ~₹2.9L if redeemed.
Each SIP instalment has its own holding period. You can sell units with >1 year holding to claim LTCG. Your total SIP gain is ₹11.2L.
📊 Market assumptions (2026)
Long‑term Nifty returns are 12‑14%. Your 12% is a reasonable planning assumption.
For debt, expected returns are 7‑8%. The gap would be smaller; our calculator can be adjusted by lowering the return slider.
⚖️ Strategy & discipline
Absolutely – invest a lumpsum now and start a SIP to continue building. This combines the benefits of both.
Exit loads (usually 1% if redeemed within 1y) can affect short-term returns. For long-term, impact is minimal.
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