₹10 Lakh Lump Sum + ₹10,000/month SIP — 10-Year Returns
Calculate the combined corpus from a ₹10 Lakh one-time investment and a ₹10,000/month SIP over 10 years. See the year-by-year growth chart and full breakdown below.
Frequently Asked Questions
Specific to this investment combination.
What will ₹10 Lakh lump sum + ₹10,000/month SIP grow to in 10 years?+
At an assumed 12% annual return, your total investment of ₹22.00 Lakh (₹10.00 Lakh lump sum + ₹12.00 Lakh in SIPs) will grow to an estimated combined corpus of ₹56.24 Lakh, generating ₹34.24 Lakh in returns.
How much does the lump sum contribute vs the SIP?+
Of the projected ₹56.24 Lakh total corpus, the ₹10 Lakh lump sum component grows to ₹33.00 Lakh through compounding, while the ₹10,000/month SIP builds a corpus of ₹23.23 Lakh. The lump sum's contribution is higher per rupee invested because it compounds for the full 10-year period.
Should I invest as a lump sum or continue as SIP?+
Do both. If you have existing savings, invest them as a lump sum immediately — every month of delay is a month of compounding lost. Then continue building wealth with a monthly SIP from your income. The two strategies are complementary, not competing.
Is ₹10,000/month SIP enough if I already have ₹10 Lakh invested?+
With ₹10 Lakh already invested and a ₹10,000/month SIP running in parallel, your combined corpus after 10 years is projected at ₹56.24 Lakh (at 12% return). Whether this is "enough" depends on your specific financial goal — use our FIRE calculator to check if this corpus can sustain your planned retirement lifestyle.
How is lump sum + SIP corpus calculated?+
Lump sum FV = L × (1 + r)^n, where r is the monthly return rate and n is total months. SIP FV = P × [((1+r)^n − 1) / r] × (1 + r). The total corpus is simply Lump Sum FV + SIP FV, because both grow independently in the same underlying portfolio.