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

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

See this scheme’s facts

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.

Scheme facts →