SIP
Step-up SIP
SWP
STP
Lumpsum
Tax planning
Retirement
Child future
Rolling returns
SIP vs lumpsum
Cost drag
Drawdown
Exit load
SIP vs lumpsum, on the real path
The same money, put in two ways, over one scheme’s actual NAV history.
Scheme
1,648 schemes · NAV as at 20 Aug 2026
Aditya Birla Sun Life Banking & PSU Debt Fund
Banking and PSU Fund · Aditya Birla Sun Life
AMC Aditya Birla Sun Life
Category Banking and PSU Fund
NAV ₹404.09
Launched 2000
Period
Total amount, either way
₹6,00,000
Both legs are measured on the same real price path, so the comparison is like for like. This is one scheme over one window that has already happened — a different window, or a different scheme, can and does reverse the answer. It is not a forecast.
SIP, 3-year XIRR6.89%
Lumpsum, 3-year CAGR7.26%
Gap−0.37 pp
Ahead over this windowThe lumpsum
₹16,667 a month for 3 years₹6,66,016
₹6,00,000 in one go₹7,40,397
Both legs, every period this scheme covers
Window
SIP XIRR
Lumpsum CAGR
Gap
3 years to 24 Jul 2026
6.89%
7.26%
−0.37 pp
5 years to 24 Jul 2026
6.90%
6.38%
+0.52 pp
10 years to 24 Jul 2026
—
—
—
The rupee lines above restate the same two disclosed rates: instalments compounded monthly at the XIRR, the lumpsum at the CAGR. Ten-year comparisons exist for 0 of 1,648 schemes (0%) — this build’s NAV history does not reach back far enough for any scheme.
The price path both legs ran over
728 NAV observations, 105 plotted
21 Aug 2023
20 Aug 2026
A path that mostly rose rewards the money that went in earliest; a path that fell and came back rewards the instalments bought during the fall. This is the actual NAV, not an index of it.
How this is worked out
A fixed monthly instalment on the same calendar day (XIRR) against a single lumpsum on the first day (CAGR), both over the scheme’s actual NAV path for the stated period. gapPct is sipXirr minus lumpCagr in percentage points.
Everything else this scheme discloses
NAV history, ratios, expense and load in one place — and a person to walk you through them.