Lumpsum vs SIP Calculator — Which Gives Better Returns?
₹10 lakh lumpsum at 12% for 10 years = ₹31.06 lakh. Equivalent SIP (₹8,333/month for 10 years at 12%) = ₹19.29 lakh. Lumpsum wins when markets trend up, but SIP averages out volatility.
Invested Amount
₹5,00,000
Estimated Returns
₹10,52,924
Total Value
₹15,52,924
Invested vs Returns
InvestedReturns
Annual compounding assumed. Mutual fund returns are subject to market risk. Past performance is not a guarantee of future returns.
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Common questions about Lumpsum vs SIP Calculator — Which Gives Better Returns?
When is lumpsum better than SIP?
Lumpsum outperforms when markets are low or fairly valued and trend upward. Historically, lumpsum beats SIP ~65% of the time over 10-year periods in Indian equity. SIP is better for regular earners who don't have a large sum ready to invest.