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✓ Updated March 2026 · Live Calculator · India Data

Lump Sum vs SIP
Full Comparison

Live calculator + data-backed analysis. Find which strategy wins for your amount, return and risk tolerance.

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💰
LUMP SUM WINS WHEN
Markets at correction · Windfall in hand · Long 15+ yr horizon
📅
SIP WINS WHEN
Markets near ATH · Regular monthly income · High volatility period
⚡
STP IS BEST
Large windfall + uncertain timing → Park in liquid, transfer to equity monthly
📋 Investment Parameters
Amount₹1 L
₹10K₹50L₹1Cr
Return12%
4% FD12% Nifty avg20%
Tenure15 yrs
1 yr15 yrs30 yrs
Step-Up0%
0% Fixed10%20%
📊 Nifty 50 CAGR (1980–2024): 1-yr avg ~14%, 10-yr ~12%, 20-yr ~14.5%. Use 12% as conservative estimate.
💰 Lump Sum
₹5.4 L
Gain: ₹4.4L
📅 Monthly SIP
₹5.0 L
Invested: ₹18L
📊 Wealth Growth Comparison
📋 Lump Sum vs SIP — Full Comparison
FactorLump SumMonthly SIP
Best Market ConditionDuring correctionAny time
Volatility ImpactHighLow (rupee avg)
Ideal InvestorLump sum availableSalaried monthly
20-yr Bull Market✓ Lump Sum wins—
Bear/Flat Market—✓ SIP wins

Lump Sum vs SIP — The Data-Backed Answer

In trending bull markets, lump sum outperforms SIP by 15–40%. In volatile or falling markets, SIP wins through rupee cost averaging. Over a full 20-year cycle, both strategies converge — annualised difference is typically under 10%. For most salaried Indians, SIP is the default. For windfalls, use an STP over 6–12 months.

💡 Practical Conclusion
Salaried investors: SIP monthly, increase by 10% every year. Lump sum windfalls: use STP — invest in liquid fund, auto-transfer to equity monthly over 6–12 months.
⚖️ Advanced LS vs SIP Calc
Detailed comparison with step-up
📈 SIP vs FD vs RD
Three-way comparison
📉 Crash Recovery
SIP advantage in downturns
🎯 Goal Success Probability
Will you reach your goal?
📰 Related Reading
⚖️ SIP vs Lump Sum: Real Data
Historical Nifty 50 comparison

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