Rs 5,000 Monthly SIP vs Rs 1 Lakh Lump Sum: Which Investment Reaches Rs 20 Lakh Faster?

Mutual funds remain one of the most preferred investment options for people aiming to create long-term wealth. However, investors often face one common question—should they invest through a Systematic Investment Plan (SIP) or make a one-time lump sum investment ? While both methods benefit from the power of compounding , the time taken to achieve a financial goal can vary significantly. If your target is to accumulate Rs 20 lakh, here's how a Rs 5,000 monthly SIP vs Rs 1 lakh lump sum investment compares under an assumed annual return of 12%.