Indian Stock Market
SIP vs Lump Sum Comparison
Compare Systematic Investment Plan (SIP) vs lump sum investing across top 20 Indian stocks
What is SIP vs Lump Sum Investing?
Systematic Investment Plan (SIP)
Invest a fixed amount at regular intervals (e.g., ₹10,000/month), regardless of stock price. Buy more shares when prices are low, fewer when high. This is called rupee cost averaging.
Lump Sum Investing
Invest your entire amount at once, getting all your money working in the market immediately. Maximizes time in market but requires larger upfront capital.
Our analysis: We compared ₹10,000/month SIP vs investing the same total upfront for each stock over 3, 5, and 10 year periods.
5-Year Summary: Which Strategy Wins?
20
Lump Sum Wins
(100%)
0
SIP Wins
(0%)
Lump Sum
Overall Winner
across 20 stocks
This aligns with global research showing lump sum investing outperforms SIP approximately two-thirds of the time in rising markets.
All Stocks: SIP vs Lump Sum Results (5-Year)
₹10,000/month SIP vs ₹6,00,000 lump sum | Sorted by lump sum return
| Stock | SIP Value | SIP Return | Lump Sum Value | Lump Sum Return | Winner |
|---|---|---|---|---|---|
| BHARTIARTL Bharti Airtel Limited | ₹11,51,887 | +92.0% | ₹21,78,232 | +263.0% | Lump Sum |
| SUNPHARMA Sun Pharmaceutical Industries Limited | ₹9,94,763 | +65.8% | ₹18,99,929 | +216.7% | Lump Sum |
| SBIN State Bank of India | ₹10,67,742 | +78.0% | ₹18,40,870 | +206.8% | Lump Sum |
| TITAN Titan Company Limited | ₹8,92,405 | +48.7% | ₹15,93,693 | +165.6% | Lump Sum |
| LT Larsen & Toubro Limited | ₹8,70,059 | +45.0% | ₹15,32,154 | +155.4% | Lump Sum |
| ICICIBANK ICICI Bank Limited | ₹8,05,524 | +34.3% | ₹13,33,572 | +122.3% | Lump Sum |
| MARUTI Maruti Suzuki India Limited | ₹7,90,736 | +31.8% | ₹11,48,813 | +91.5% | Lump Sum |
| AXISBANK Axis Bank Limited | ₹7,77,521 | +29.6% | ₹10,34,344 | +72.4% | Lump Sum |
| HCLTECH HCL Technologies Limited | ₹7,22,924 | +20.5% | ₹10,25,431 | +70.9% | Lump Sum |
| ITC ITC Limited | ₹6,01,721 | +0.3% | ₹10,17,421 | +69.6% | Lump Sum |
| BAJFINANCE Bajaj Finance Limited | ₹7,23,397 | +20.6% | ₹10,17,020 | +69.5% | Lump Sum |
| ULTRACEMCO UltraTech Cement Limited | ₹7,54,863 | +25.8% | ₹9,71,106 | +61.9% | Lump Sum |
| RELIANCE Reliance Industries Limited | ₹6,95,017 | +15.8% | ₹9,32,523 | +55.4% | Lump Sum |
| DMART Avenue Supermarts Limited | ₹5,84,717 | -2.5% | ₹8,04,755 | +34.1% | Lump Sum |
| HDFCBANK HDFC Bank Limited | ₹5,86,601 | -2.2% | ₹6,48,795 | +8.1% | Lump Sum |
| INFY Infosys Limited | ₹5,28,608 | -11.9% | ₹6,36,823 | +6.1% | Lump Sum |
| KOTAKBANK Kotak Mahindra Bank Limited | ₹5,94,740 | -0.9% | ₹6,30,696 | +5.1% | Lump Sum |
| HINDUNILVR Hindustan Unilever Limited | ₹5,33,942 | -11.0% | ₹5,59,618 | -6.7% | Lump Sum |
| ASIANPAINT Asian Paints Limited | ₹4,73,535 | -21.1% | ₹5,42,569 | -9.6% | Lump Sum |
| TCS Tata Consultancy Services Limited | ₹4,49,329 | -25.1% | ₹5,15,530 | -14.1% | Lump Sum |
Top 10 Stocks for Lump Sum Investing (5-Year)
Stocks with the largest advantage for lump sum over SIP
BHARTIARTL
Bharti Airtel Limited
+171.1% advantage
SUNPHARMA
Sun Pharmaceutical Industries Limited
+150.9% advantage
SBIN
State Bank of India
+128.9% advantage
TITAN
Titan Company Limited
+116.9% advantage
LT
Larsen & Toubro Limited
+110.3% advantage
ICICIBANK
ICICI Bank Limited
+88.0% advantage
ITC
ITC Limited
+69.3% advantage
MARUTI
Maruti Suzuki India Limited
+59.7% advantage
HCLTECH
HCL Technologies Limited
+50.4% advantage
BAJFINANCE
Bajaj Finance Limited
+48.9% advantage
Key Takeaways
1.
Lump sum wins most of the time - In 20 out of 20 stocks (100%),
investing everything upfront produced better returns than SIP over 5 years.
2.
SIP wins in volatile stocks - For 0 stocks, SIP outperformed because price volatility
allowed investors to buy at lower average prices during dips (rupee cost averaging).
3.
Psychology matters - SIP's real advantage is making investing easier psychologically.
It's easier to invest ₹10,000/month than ₹6,00,000 at once, which means you're more likely to actually invest.
4.
Both strategies work - Most stocks in this analysis grew money over 5 years with both strategies.
The difference between SIP and lump sum is often smaller than the overall gains.
All India Stocks
NIFTY 50 + Next 50 + Midcap
India IT Stocks
TCS, Infosys, Wipro & more
India Banking Stocks
HDFC Bank, ICICI, SBI & more
Disclaimer: This page is for educational purposes only. Past performance does not guarantee future results.
This is not investment advice. Always consult a SEBI-registered investment advisor before making investment decisions.