₹5 Lakh Lump Sum + ₹5,000/month SIP — 15-Year Returns
Calculate the combined corpus from a ₹5 Lakh one-time investment and a ₹5,000/month SIP over 15 years. See the year-by-year growth chart and full breakdown below.
Frequently Asked Questions
Specific to this investment combination.
What will ₹5 Lakh lump sum + ₹5,000/month SIP grow to in 15 years?+
At an assumed 12% annual return, your total investment of ₹14.00 Lakh (₹5.00 Lakh lump sum + ₹9.00 Lakh in SIPs) will grow to an estimated combined corpus of ₹55.21 Lakh, generating ₹41.21 Lakh in returns.
How much does the lump sum contribute vs the SIP?+
Of the projected ₹55.21 Lakh total corpus, the ₹5 Lakh lump sum component grows to ₹29.98 Lakh through compounding, while the ₹5,000/month SIP builds a corpus of ₹25.23 Lakh. The lump sum's contribution is higher per rupee invested because it compounds for the full 15-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 ₹5,000/month SIP enough if I already have ₹5 Lakh invested?+
With ₹5 Lakh already invested and a ₹5,000/month SIP running in parallel, your combined corpus after 15 years is projected at ₹55.21 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.