Whether SIP or lumpsum gets more return depends on various factors such as the investment amount, investment duration, market volatility, and the rate of return earned on the investment.

In general, if you have a lump sum amount to invest and the market is expected to rise over the investment period, then a lump sum investment can potentially earn higher returns compared to an SIP. This is because lump sum investments benefit from compounding returns over a longer duration.

However, if the market is expected to be volatile or is in a downturn, SIPs can potentially help you mitigate the risk and benefit from the power of rupee cost averaging. In an SIP, you invest a fixed amount at regular intervals, which helps you average out the purchase cost of units, reducing the impact of market fluctuations on your investment.

It’s important to note that there is no one-size-fits-all answer, and what works best for you depends on your investment goals, risk tolerance, and investment horizon. It’s advisable to consult a financial advisor who can guide you on which investment strategy works best for your financial goals.