SIP + lumpsums
A running SIP plus lumpsums landing in different years.
Value at the end
₹50,45,760
after 15 years
Worth in today's money
₹21,05,419
after 6% inflation
You invest
₹18,00,000
SIP + every lumpsum
Growth
₹32,45,760
64% of the total
What inflation does to this
₹50,45,760 in 15 years buys what ₹21,05,419 buys today. The real gain over what was put in is ₹3,05,419, not ₹32,45,760.