Calculate the future value of a one-time investment in mutual funds or any asset, and what it's worth after inflation.
Dividing by (1 + inflation)^t shows what that future amount is worth in today's money.
At a steady return a lump sum ends higher because more money is invested for longer. SIPs reduce the risk of investing everything just before a fall.
Equity funds in India have historically returned about 10–12% a year over long periods, but returns are not guaranteed.