systematic investment plan — compound growth vs lumpsum
invested
₹0
gain
₹0
final corpus
₹0
investedgain (compound)
sip vs lumpsum — same total invested
returns are assumed constant — real equity compounds unevenly. 12% is the long-term average for indian equity MFs; 8% for hybrid/balanced; 6–7% for debt. step-up SIP (raise by 10% annually) typically grows 40–60% more over 20 years than flat SIP. taxes: 12.5% LTCG on equity over ₹1.25L/yr gains, 12.5% flat on debt from 2024.