📈
💰
📆
⏱️
Lumpsum
₹37.3L
📈 Final value
SIP Corpus
₹23.2L
▲ Monthly SIP
Difference
+₹14.1L
▲ Lumpsum wins
Return
12%
Annual CAGR
SIP vs Lumpsum
Grow your wealth
SIP · Lumpsum · Equity · India · In-Browser
SIP vs Lumpsum.
Find your winning strategy.
Which strategy grows your wealth more? Compare systematic investing with a one-time lump sum — with India-specific return assumptions. Move the sliders and see the winner instantly.
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✔ India LTCG Rules
💰 Lumpsum
₹37.3L
Final corpus
📆 SIP Corpus
₹23.2L
Annual SIP total
📊 Difference
+₹14.1L
Lumpsum wins
🏆 Winner
Lumpsum
▲ Final corpus
Live Calculator
Adjust sliders. See the winner instantly.
All calculations use standard CAGR compounding with monthly SIP. LTCG above ₹1.25L taxed at 12.5% for equity investments.
Your assumptionsDrag to compare in real time
Lumpsum wins
💰 Lumpsum final corpus₹37.3L
📆 SIP corpus₹23.2L
📊 Difference+₹14.1L
📈 Total SIP invested₹12L
💡 Insight: Lumpsum wins due to full compounding power over the period.
Visual comparisonUpdates live with every slider move
Final corpus comparison
Gold: Lumpsum · Blue: SIP
Wealth growth over time
See how lumpsum and SIP compound year-by-year.
Your scenario explainedBased on your current slider values
- Lumpsum: ₹12,00,000 invested for 10y at 12% → ₹37.3L.
- SIP: ₹10,000/mo for 10y (total ₹12L invested) → ₹23.2L.
- Winner: Lumpsum by ₹14.1L.
- Key takeaway: Lumpsum benefits from full compounding power from day one; SIP reduces timing risk and suits regular income. Track actuals in the Investment Wallet.
Best practices before you investSix rules that separate smart investors from lucky ones
- Lumpsum after market corrections: A 20%+ drawdown is the ideal entry point for lumpsum. Captures the upside as markets recover. Use the Investment Wallet to track allocation.
- SIP for volatile markets: With global uncertainty, SIP averages your cost through rupee-cost averaging — you buy more units when prices fall.
- Time in market beats timing: Over 10+ years, lumpsum has outperformed SIP ~65% of the time in rising markets. The longer the horizon, the stronger the case for lumpsum.
- Tax efficiency matters: LTCG on equity (held >1 year) above ₹1.25L is taxed at 12.5%. Each SIP instalment has its own holding period — plan redemptions carefully. Use the Tax Regime Simulator.
- Emergency fund first: Never invest a lump sum without 12 months of expenses saved. Use the Emergency Fund Calculator to set the target before deploying capital.
- SIP for salaried, lumpsum for windfalls: SIP aligns perfectly with monthly salary. Lumpsum suits bonuses, inheritance, or asset sales.
💡 Run the numbers in real context
- After this comparison → track actual portfolio in the Investment Wallet
- To understand net worth impact → use the Wealth Wallet
- To check LTCG tax impact precisely → use the Old vs New Tax Simulator
- To set your investing emergency cushion → use the Emergency Fund Calculator
Frequently asked questions
SIP returns
lumpsum
LTCG tax
compounding
rupee cost averaging
volatility
equity
time horizon
📈 SIP vs Lumpsum Basics
Based on your inputs, lumpsum wins by ₹14.1L. Historically, lumpsum tends to outperform over long horizons in rising markets, but SIP reduces timing risk in volatile ones. Use the Investment Wallet to track your actual portfolio.
Your SIP of ₹10,000/mo for 10y at 12% grows to ₹23.2L. See how this fits into your overall plan with the Wealth Wallet.
💰 Tax & Expenses
LTCG above ₹1.25L on equity is taxed at 12.5%. For your lumpsum gain of ₹25.3L, estimated tax would be ~₹2.9L if redeemed. Use the Old vs New Tax Regime Simulator to plan the exit.
Each SIP instalment has its own holding period. You can sell units with more than 1 year of holding to claim LTCG rates. Your total SIP gain is ₹11.2L. Staggered SIP redemptions can help you stay within the ₹1.25L annual LTCG exemption threshold.
📊 Market Assumptions
Long-term Nifty 50 CAGR has been 12–14% over 20-year rolling periods. Your return assumption is a reasonable planning figure. For a more detailed scenario analysis, check the Investment Quest Simulator.
For debt funds or FDs, expected returns are 7–8%. The gap between lumpsum and SIP is smaller; adjust the return slider down to model this. See the FD Calculator and RD Calculator for fixed-income planning.
⚖️ Strategy & Discipline
Absolutely — invest a lumpsum now and start a SIP to continue building. This “hybrid” approach combines the compounding power of lumpsum with the discipline of SIP. Use the Income Wallet to ensure you have enough cash flow for monthly SIPs.
Exit loads (typically 1% if redeemed within 1 year) and expense ratios (0.1–1.5% for mutual funds) reduce your actual return. For long-term investing, the impact is minimal. Always ensure you have an emergency fund before committing to any lumpsum investment.
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