SIP & Lumpsum Investment Calculator
Calculate mutual fund investment returns for SIP and lumpsum.
₹
%
Equity MF avg: 12–15% | Debt: 6–8%
yrs
Total Corpus at Maturity
₹23,23,391
Total Invested
₹12,00,000
Estimated Returns
₹11,23,391
Return on Investment
93.6%
Investment vs Returns Breakdown
Invested (52%)
Returns (48%)
About SIP & Lumpsum Returns
SIP vs Lumpsum
SIP (Systematic Investment Plan) means investing a fixed amount every month in a mutual fund. Lumpsum means investing a large amount at once. SIP benefits from rupee-cost averaging — you buy more units when prices are low, fewer when high.
Expected returns by asset class
Equity mutual funds (long-term): 12–14% CAGR historically
Debt mutual funds: 6–8%
PPF: currently 7.1% per annum
Fixed Deposits: 6.5–7.5%
Nifty 50 index funds (15-year avg): ~12–13% CAGR
Power of early investing
₹5,000/month SIP at 12% return for 30 years = ₹1.76 crore
Same SIP for 20 years = only ₹49.96 lakh
The extra 10 years adds ₹1.26 crore — the power of compounding
Starting at 25 vs 35 makes a 3× difference in corpus
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