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Tools & Calculators

Lumpsum vs SIP Calculator

Compare investing a one-time lumpsum today against spreading the same commitment into a monthly SIP.

Compare

Lumpsum Amount ₹1,00,000

SIP Monthly Amount ₹5,000

Expected Annual Return 12%

Time Period 10 yrs

Lumpsum Wins By

₹0

Lumpsum → Final Value

₹0

SIP → Final Value

₹0

Lumpsum Invested

₹0

SIP Total Invested

₹0

A lumpsum usually wins in a rising market because the full amount compounds from day one — a SIP wins when it catches a market dip along the way, since it buys more units when prices are low. Neither result predicts what markets will actually do.