Is a lumpsum investment riskier than a SIP?

A lumpsum is more sensitive to market timing since the entire amount is invested at once, whereas a SIP spreads entries across many dates, averaging out some of that timing risk.

Can I combine a lumpsum with a SIP?

Yes — many investors deploy a lumpsum for a portion of their corpus and run a parallel SIP for ongoing monthly savings; both can be modelled separately using this site's calculators.

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Savings & investments

Lumpsum Calculator

See what a one-time mutual fund investment could grow into over time, at an assumed annual rate of return.

Investment details

One-time investment ₹1,00,000

Expected annual return 12%

Investment period (years) 10 yrs

Projected value

Value at maturity

₹0

Amount invested₹0

Wealth gained₹0

Assumes the expected return applies uniformly for the whole period. Real fund returns vary year to year.

How lumpsum returns are calculated

Unlike a SIP, a lumpsum investment compounds as a single block from day one, so the entire amount benefits from the full investment horizon. This makes it more sensitive to market timing than a SIP, where entries are spread out.

FV = P × (1 + r)ⁿ
P = amount invested, r = expected annual return (as a decimal), n = investment period in years

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Figures are estimates for planning purposes only and do not constitute financial advice.