Nayra Jain
Dec 2, 2025
A monthly SIP helps build wealth gradually while reducing the impact of market volatility, making it ideal for investors seeking structured and predictable investing behaviour.
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A lump sum suits those with sizable capital ready for long-term investment, allowing market growth to compound effectively over an extended period.
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A monthly SIP of ₹25,000 may reach ₹1 crore in roughly 14 years at an estimated 12 percent annual return, highlighting the benefit of disciplined and systematic investing.
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A ₹10 lakh lump sum may take around 21 years to touch the ₹1 crore mark at a similar return rate, showing slower corpus growth despite a lower total investment effort.
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The SIP route involves a far higher cumulative outlay, whereas the lump sum option starts low but requires patience for long-term compounding to take effect.
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SIPs naturally average out market fluctuations over time, while lump sum investments carry higher entry-risk depending on market conditions during purchase.
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Regular SIP contributions benefit significantly from compounding, accelerating growth and helping investors reach large targets sooner.
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Risk-averse investors often prefer SIPs due to stable contributions, while those comfortable with market swings may lean toward lump sum investing.
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Your choice should align with your financial horizon, cash flow, and long-term targets, ensuring your investment style matches your broader financial plan.
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These figures are estimates and can change due to market behaviour. Investors should assess personal risk levels and consult a qualified financial adviser before investing.
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