Want Rs 3 Crore Corpus At Retirement? Start With Rs 5 Lakh And Step Up SIPs By 5% Yearly by NDTV Profits | February 21, 2026 10:04 pm | Latest Posts, Market, Trending News A lump sum amount provides an immediate boost, while monthly SIPs in mutual funds make sure that there are consistent inflows that grow steadily over a long-term horizon.