Mixing a SIP and a lumpsum in the same year
A monthly SIP and a bonus invested once are two calculations. The SIP calculator does not have a box for the bonus, and the lumpsum calculator does not debit a SIP. You add the two ending values yourself, and only if both amounts really are invested for the years you typed. The 10% below is an assumption.
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One ₹1 lakh lumpsum at an assumed 10%
Bar chart of a ₹1 lakh lumpsum held 10 years ending near ₹2.59 lakh, and the same lumpsum held 9 years ending near ₹2.36 lakh.
- Invested on day one, 10 years₹2,59,374
- Invested a year later, 9 years₹2,35,795
Two screens, then an addition you do by hand
The SIP calculator at ₹10,000 a month, 10% and 10 years, shows an expected value near ₹20,65,520. You pay in ₹12,00,000. The lumpsum calculator at ₹1,00,000, 10% and 10 years, shows about ₹2,59,374. Nothing on either page adds those for you.
Adding them is fair when the SIP really runs for 120 months and the ₹1,00,000 really sits for 10 full years, at the same assumed rate. It is not fair when the bonus is spent, or when it arrives halfway through the year and you still type 10.
A late bonus is a shorter lumpsum
Suppose the SIP starts in April and the bonus is invested the next April. The SIP can still be a 10-year SIP if you let it run. The lumpsum has 9 years, not 10. At 10% a year, ₹1,00,000 for 9 years is about ₹2,35,795. The 10-year figure, ₹2,59,374, is ₹23,579 more than the money will have had time to do.
The lumpsum calculator compounds once a year. It has no month box. If the bonus is invested in October, type the number of years it will actually stay, and treat a part-year as the lower whole year if you want the sketch to stay cautious. Do not type the SIP's tenure just because both happen in the same calendar year.
- SIP, ₹10,000 for 10 years at 10%: about ₹20,65,520.
- Lumpsum from day one, 10 years: about ₹2,59,374.
- Same lumpsum with 9 years left: about ₹2,35,795.
They are not one folio
A SIP and a lumpsum can sit in the same scheme. The calculators still do not know that. Each screen assumes its own cash flow and its own rate. If you type 12% on the SIP and 8% on the lumpsum, add those two results, not two copies of the higher one.
Returns on both screens are before tax. Selling units to merge the two into one account can create a gain this page does not compute. Leave them in the two sketches until you have a reason to sell.
What to write down before you add
Write four lines: SIP amount, SIP years, lumpsum amount, lumpsum years. If any line is a hope rather than a mandate you have set, leave it out of the total. A bonus you might spend on a wedding is not a lumpsum yet.
The combined ₹23,24,894 in this example is ₹20,65,520 plus ₹2,59,374, at one assumed 10%. Change the rate on both screens if you change it at all. A higher SIP rate with the old lumpsum rate is two different stories added into one number.
Worked example: ₹10,000 SIP plus ₹1 lakh
The rate is 10% on both, so the addition is one assumption. The second lumpsum line is what changes when the bonus is a year late.
| Item | Figure |
|---|---|
| SIP | ₹10,000 a month, 10 years |
| SIP expected value at 10% | About ₹20,65,520 |
| Cash the SIP pays in | ₹12,00,000 |
| Lumpsum invested on day one | ₹1,00,000 for 10 years, about ₹2,59,374 |
| Day-one total | About ₹23,24,894 |
| If the lump has only 9 years | About ₹2,35,795, and the total falls by about ₹23,579 |
Run the SIP and the lumpsum separately, then add the two expected values only if the years match the dates you will actually invest. A bonus later in the SIP is a new lumpsum tenure, not the SIP's tenure copied across.
Sources
Results from FinanceChacha are estimates for planning, not financial or tax advice. Read the disclaimer.
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