Guide · Investing
SIP vs lump sum in India
Both can build wealth; they solve different problems. Use this guide to choose a path, then model numbers in the SIP calculator (with optional starting lump sum).
When SIP fits
- Monthly salary and steady cash flow
- You want automatic discipline instead of timing the market
- You are new to mutual funds and prefer smaller tickets
When lump sum fits
- Bonus, inheritance, or sale proceeds already in hand
- Long horizon and comfort with volatility
- You may still split deployment (STP) — talk to your advisor
Quick comparison
SIP smooths entry over time; lump sum puts money to work immediately. Historical outcomes depend on start date and markets — any calculator output is an estimate, not a promise.