Inputs & Parameters
Mutual Funds₹
Yrs
%
Note: Comparison assumes spreading the total capital ₹₹1,20,000 into equal monthly installments of ₹₹1,000 for 10 years.
Lumpsum Strategy
₹3,72,702
(Invested once at start)
SIP Strategy
₹2,32,339
(Invested ₹1,000/mo)
Growth Comparison
The Verdict
Mathematically, Lumpsum simply wins because your money compounds for longer. SIP is for risk management and cashflow alignment, not for beating Lumpsum returns in a bull market.