Same total invested, same horizon, same expected return — SIP vs lumpsum. Under a constant rate the lumpsum wins. Real markets are volatile; the SIP's averaging closes the gap.
₹12,00,000
SIP splits this into ₹10,000/mo over 120 months
10 years
1 — 30 years
12.0%
4% — 20%
SIP end value
₹23,23,391
Gain 93.6%
Lumpsum end value
₹37,27,018
Gain 210.6%
Lumpsum advantage
₹14,03,627
Difference between lumpsum and SIP end values
Side-by-side corpus over time
SIPLumpsum
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