Simulate returns on annual lumpsum installments and compare against regular monthly contributions.
Equivalent to investing ~₹1,00,000 per year across 10 years
Investing ₹8,333/month for 10 years will grow into ₹19.36L. Your gains are ₹9,36,122.
₹9,99,960
₹9,36,122
₹19,36,082
Year-by-year accumulation showing total principal invested and returns generated.
| Year | Invested Amount | Estimated Returns | Total Value |
|---|---|---|---|
| Year 1 | ₹99,996 | +₹6,744 | ₹1,06,740 |
| Year 2 | ₹1,99,992 | +₹27,026 | ₹2,27,018 |
| Year 3 | ₹2,99,988 | +₹62,561 | ₹3,62,549 |
| Year 4 | ₹3,99,984 | +₹1,15,286 | ₹5,15,270 |
| Year 5 | ₹4,99,980 | +₹1,87,379 | ₹6,87,359 |
| Year 6 | ₹5,99,976 | +₹2,81,297 | ₹8,81,273 |
| Year 7 | ₹6,99,972 | +₹3,99,809 | ₹10,99,781 |
| Year 8 | ₹7,99,968 | +₹5,46,033 | ₹13,46,001 |
| Year 9 | ₹8,99,964 | +₹7,23,484 | ₹16,23,448 |
| Year 10 | ₹9,99,960 | +₹9,36,122 | ₹19,36,082 |
If you have ₹1,20,000 to invest annually, you can either deposit ₹10,000 every single month or commit ₹1,20,000 once a year. While both deploy the same ₹12 Lakhs over a decade, monthly SIPs protect you from accidentally investing on a single all-time market peak.
Monthly investments offer superior rupee-cost averaging across 12 market entry points per year, smoothing out volatile price swings. A yearly investment deploys capital only once per year, which carries higher entry timing risk, but may benefit if markets rally steadily throughout the calendar year.