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International Journal of Science, Strategic Management and Technology

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A COMPARATIVE STUDY OF LUMP SUM AND SIP INVESTMENT STRATEGIES WITH REFERENCE TO SBI BANK AND AXIS BANK

AUTHORS:
P. ARUN
Mentor
Dr Arshia Sulthana
Affiliation
Dept of MBA,

Malla Reddy Engineering College and Management Sciences, Medchal, Hyderabad
DOI: 10.55041/ijsmt.v2i8.004
CC BY 4.0 License:
This article is an open access article distributed under the terms and conditions of the Creative Commons Attribution (CC BY) license, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
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Abstract
Investment planning is essential for achieving long-term financial security and wealth creation. Among various investment methods, Lump Sum and Systematic Investment Plan (SIP) are widely adopted by mutual fund investors. This study compares these two investment strategies with reference to SBI Bank and Axis Bank by analysing investor preferences, risk perception, expected returns, and satisfaction levels. The study follows a descriptive research design using primary and secondary data collected from 100 respondents. The findings reveal that SIP is preferred for disciplined investing and lower market risk, whereas Lump Sum investments are chosen for higher return potential during favourable market conditions.

 

 
Keywords
SIP Lump Sum Investment Mutual Funds SBI Bank Axis Bank
Article Information
PUBLICATION DETAILS
Review Type:
Double-Blind Peer Review
License:
CC BY-NC 4.0
Volume/Issue:
Volume 02, Issue 8
Review Rounds:
2
Article Type:
Research Article
Publication Date:
Aug 05 2026
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ARUN, P. (2026). A Comparative Study of Lump Sum and Sip Investment Strategies with Reference to SBI Bank and Axis Bank. International Journal of Science, Strategic Management and Technology, 02(8), 1-9. https://doi.org/10.55041/ijsmt.v2i8.004

ARUN, P.. "A Comparative Study of Lump Sum and Sip Investment Strategies with Reference to SBI Bank and Axis Bank." International Journal of Science, Strategic Management and Technology, vol. 02, no. 8, 2026, pp. 1-9. doi:https://doi.org/10.55041/ijsmt.v2i8.004.

ARUN, P.. "A Comparative Study of Lump Sum and Sip Investment Strategies with Reference to SBI Bank and Axis Bank." International Journal of Science, Strategic Management and Technology 02, no. 8 (2026): 1-9. https://doi.org/https://doi.org/10.55041/ijsmt.v2i8.004.

References
The study concludes that both SIP and Lump Sum investments are effective mutual fund investment strategies, but their suitability depends on an investor's financial objectives, investment horizon, and risk tolerance. SIP is preferred by most investors because it promotes financial discipline, minimizes market timing risk, and facilitates long-term wealth creation through regular investments. Lump Sum investments offer higher return potential during favourable market conditions but require careful market analysis and greater risk tolerance. SBI Bank and Axis Bank have contributed significantly to promoting mutual fund investments through quality advisory services and digital investment platforms. Overall, the study suggests that investors should adopt an investment strategy aligned with their personal financial circumstances to maximize long-term investment performance.
Ethics and Compliance
✓ All ethical standards met
This article has undergone plagiarism screening and double-blind peer review. Editorial policies have been followed. Authors retain copyright under CC BY-NC 4.0 license. The research complies with ethical standards and institutional guidelines.
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