A monthly mutual funds investment of ₹3,000 for 10 years will give a maturity corpus of ₹6.72 lakh at an annual growth rate of 12%. Meanwhile, investing ₹3 lakh lump sum in mutual funds for 10 years will give ₹9.32-lakh maturity corpus. NDTV Profit stated SIPs suit cautious investors while lump sum investments are for high risk takers.