A lump sum investment of ₹10 lakh over 10 years at a return of 12% per annum can generate ₹31,05,848. Whereas, a monthly systematic investment plan (SIP) of ₹50,000 over same tenure and return rate will yield ₹1,16,16,953. A lump sum investment can grow more than three times over 10 years, whereas SIP can grow into a substantial retirement corpus.