Compare Investment Options
See two investment strategies side-by-side. Adjust the inputs and instantly compare the outcomes.
Shared Inputs
%
6%20%
yrs
1 yrs30 yrs
SIP (Monthly)
₹
₹500₹1,00,000
Lumpsum (One-time)
₹
₹10,000₹50,00,000
SIP — Final Value
₹23,23,391
Invested: ₹12,00,000 · Returns: ₹11,23,391
Lumpsum — Final Value
₹3,72,702
Invested: ₹1,20,000 · Returns: ₹2,52,702
🏆 SIP wins by ₹19,50,689 over 10 years at 12% p.a.
When should you choose each?
- SIP wins when markets are volatile — you benefit from rupee cost averaging, buying more units when prices fall.
- Lumpsum wins when you invest at market lows and the market trends upward consistently — the entire amount compounds from day one.
- For most investors, SIP is safer as it removes the need to time the market and builds discipline through regular investing.