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Benefits of Lump Sum Investing in Mutual Funds

Updated on July 23, 2025 , 13136 views

Lump sum investment refers to Investing a considerable amount in a Mutual Fund scheme. In lump sum investing, the money is deposited as a one-time down payment. Individuals who are having a large amount can deposit a significant proportion in Mutual Fund. Lump sum mode of investing is opposite to Systematic Investment plan or SIP mode. One can invest lump sum amount either in fixed Income or Equity Funds depending on their risk-appetite, investment tenure, and investment objective. Though most of the individuals prefer investing in Mutual Funds via SIP yet, there are some advantages of lump sum investing. So, let us understand the benefits of lump sum investing in Mutual Funds.

Benefits of Lump Sum Investing

Some of the benefits of lump sum investing in Mutual Funds are as follows:

Investment of Big Amount

By option for lump sum mode, individuals can invest a considerable amount in Mutual Funds. As a consequence, when the Market shows a growth period, then the investment value also increases to a large extent as compared to the value of SIP investment.

Ideal for Long-term Tenure

Lump sum investment is suitable for individuals who prefer to invest through long-term. Long-term investment in case of lump sum investment can be considered for an approximate investment tenure of 10 years or more. However, for lump sum investment in Debt fund, individuals can also choose to invest for a medium-term tenure.

Convenience

Lump sum mode is generally convenient for individuals as people who are having a large amount can spread their investments. However, if the investment is done through SIP mode then they have to be careful that the amount is invested at regular intervals.

Invest for the Timing

Whenever investors choose for a long-term investment, they should always look for the market timing. Individuals generally should choose to invest when the markets are already in a slump and is showing growth potentials. In this situation, individuals can earn higher returns through lump sum mode than in comparison to SIP mode. However, if the lump sum investment is done when the markets have already reached a peak, in that case, individuals might end up with a loss.

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Best Performing Lump Sum Funds for 2025

Since the lump sum investment is done for a long-term tenure, as a consequence, we can choose to invest in equity category specially in Large cap funds. So, let us look at some of the best performing large-cap Mutual Fund schemes that can be chosen for long-term investment through lump sum mode.

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
IDBI India Top 100 Equity Fund Growth	₹44.16 ↑ 0.05	₹655	5,000	9.2	12.5	15.4	21.9	12.6
Nippon India Large Cap Fund Growth	₹89.8604 ↓ -0.96	₹43,829	5,000	5.4	9.2	2.7	21.4	24.6	18.2
DSP BlackRock TOP 100 Equity Growth	₹473.816 ↓ -3.84	₹6,323	1,000	2.6	9.2	4.5	20	19.3	20.5
ICICI Prudential Bluechip Fund Growth	₹109.39 ↓ -0.71	₹72,336	5,000	4.1	8.6	3.2	19.8	21.8	16.9
JM Core 11 Fund Growth	₹19.3802 ↓ -0.35	₹290	5,000	4.5	2.6	-4.6	19.7	20.1	24.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jul 23

*Above is list of best Lump Sum funds having AUM/Net Assets above 100 Crore. Sorted on Last 3 Year Return.

1. IDBI India Top 100 Equity Fund

The Investment objective of the Scheme is to provide investors with the opportunities for long-term capital appreciation by investing predominantly in Equity and Equity related Instruments of Large Cap companies. However there can be no assurance that the investment objective under the Scheme will be realized.

IDBI India Top 100 Equity Fund is a Equity - Large Cap fund was launched on 15 May 12. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 14.2% since its launch. Ranked 45 in Large Cap category. .

Below is the key information for IDBI India Top 100 Equity Fund

IDBI India Top 100 Equity Fund Growth
Launch Date	15 May 12
NAV (28 Jul 23)	₹44.16 ↑ 0.05 (0.11 %)
Net Assets (Cr)	₹655 on 30 Jun 23
Category	Equity - Large Cap
AMC	IDBI Asset Management Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.47
Sharpe Ratio	1.09
Information Ratio	0.14
Alpha Ratio	2.11
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹15,400
30 Jun 22	₹15,461
30 Jun 23	₹19,038

IDBI India Top 100 Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684 Invest Now

Returns for IDBI India Top 100 Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

Duration	Returns
1 Month	3%
3 Month	9.2%
6 Month	12.5%
1 Year	15.4%
3 Year	21.9%
5 Year	12.6%
10 Year
15 Year
Since launch	14.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for IDBI India Top 100 Equity Fund

Name	Since	Tenure

Data below for IDBI India Top 100 Equity Fund as on 30 Jun 23

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

2. Nippon India Large Cap Fund

(Erstwhile Reliance Top 200 Fund)

The primary investment objective of the scheme is to seek to generate long term capital appreciation by investing in equity and equity related instruments of companies whose market capitalization is within the range of highest & lowest market capitalization of S&P BSE 200 Index. The secondary objective is to generate consistent returns by investing in debt and money market securities.

Nippon India Large Cap Fund is a Equity - Large Cap fund was launched on 8 Aug 07. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 13% since its launch. Ranked 20 in Large Cap category. Return for 2024 was 18.2% , 2023 was 32.1% and 2022 was 11.3% .

Below is the key information for Nippon India Large Cap Fund

Nippon India Large Cap Fund Growth
Launch Date	8 Aug 07
NAV (25 Jul 25)	₹89.8604 ↓ -0.96 (-1.06 %)
Net Assets (Cr)	₹43,829 on 30 Jun 25
Category	Equity - Large Cap
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.7
Sharpe Ratio	0.07
Information Ratio	1.85
Alpha Ratio	0.12
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹15,877
30 Jun 22	₹16,794
30 Jun 23	₹22,142
30 Jun 24	₹30,855
30 Jun 25	₹32,970

Nippon India Large Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 Invest Now

Returns for Nippon India Large Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

Duration	Returns
1 Month	-1%
3 Month	5.4%
6 Month	9.2%
1 Year	2.7%
3 Year	21.4%
5 Year	24.6%
10 Year
15 Year
Since launch	13%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	18.2%
2023	32.1%
2022	11.3%
2021	32.4%
2020	4.9%
2019	7.3%
2018	-0.2%
2017	38.4%
2016	2.2%
2015	1.1%

Fund Manager information for Nippon India Large Cap Fund

Name	Since	Tenure
Sailesh Raj Bhan	8 Aug 07	17.83 Yr.
Kinjal Desai	25 May 18	7.02 Yr.
Bhavik Dave	19 Aug 24	0.78 Yr.

Data below for Nippon India Large Cap Fund as on 30 Jun 25

Equity Sector Allocation

Sector	Value
Financial Services	34.51%
Consumer Cyclical	14.03%
Industrials	10.26%
Consumer Defensive	8.54%
Energy	7.83%
Technology	7.14%
Basic Materials	6.26%
Utility	5.17%
Health Care	3.41%
Communication Services	0.23%

Asset Allocation

Asset Class	Value
Cash	2%
Equity	98%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 08 \| HDFCBANK	9%	₹3,606 Cr	18,540,367
Reliance Industries Ltd (Energy) Equity, Since 31 Aug 19 \| RELIANCE	7%	₹2,989 Cr	21,036,077
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	6%	₹2,458 Cr	17,000,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 15 \| AXISBANK	5%	₹1,966 Cr	16,489,098
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Sep 07 \| LT	4%	₹1,617 Cr	4,400,529
State Bank of India (Financial Services) Equity, Since 31 Oct 10 \| SBIN	3%	₹1,438 Cr	17,700,644
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Dec 21 \| BAJFINANCE	3%	₹1,428 Cr	1,555,711
ITC Ltd (Consumer Defensive) Equity, Since 31 Jan 16 \| ITC	3%	₹1,287 Cr	30,791,313 ↑ 16,721,265
GE Vernova T&D India Ltd (Industrials) Equity, Since 30 Jun 12 \| 522275	3%	₹1,172 Cr	5,229,540
Infosys Ltd (Technology) Equity, Since 30 Sep 07 \| INFY	3%	₹1,063 Cr	6,800,494

3. DSP BlackRock TOP 100 Equity

The Fund is seeking to generate capital appreciation, from a portfolio that is substantially constituted of equity and equity related securities of the 100 largest corporates, by market capitalisation, listed in India.

DSP BlackRock TOP 100 Equity is a Equity - Large Cap fund was launched on 10 Mar 03. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 18.8% since its launch. Ranked 60 in Large Cap category. Return for 2024 was 20.5% , 2023 was 26.6% and 2022 was 1.4% .

Below is the key information for DSP BlackRock TOP 100 Equity

DSP BlackRock TOP 100 Equity Growth
Launch Date	10 Mar 03
NAV (25 Jul 25)	₹473.816 ↓ -3.84 (-0.80 %)
Net Assets (Cr)	₹6,323 on 30 Jun 25
Category	Equity - Large Cap
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆
Risk	Moderately High
Expense Ratio	2.02
Sharpe Ratio	0.33
Information Ratio	0.84
Alpha Ratio	3.29
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹14,836
30 Jun 22	₹13,812
30 Jun 23	₹17,330
30 Jun 24	₹23,514
30 Jun 25	₹25,946

DSP BlackRock TOP 100 Equity SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for DSP BlackRock TOP 100 Equity

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

Duration	Returns
1 Month	-0.6%
3 Month	2.6%
6 Month	9.2%
1 Year	4.5%
3 Year	20%
5 Year	19.3%
10 Year
15 Year
Since launch	18.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	20.5%
2023	26.6%
2022	1.4%
2021	19.5%
2020	7.5%
2019	14.8%
2018	-2.7%
2017	26.5%
2016	4.9%
2015	-2.3%

Fund Manager information for DSP BlackRock TOP 100 Equity

Name	Since	Tenure
Abhishek Singh	1 Jun 22	3 Yr.

Data below for DSP BlackRock TOP 100 Equity as on 30 Jun 25

Equity Sector Allocation

Sector	Value
Financial Services	43.95%
Consumer Cyclical	13.14%
Health Care	6.64%
Technology	5.77%
Utility	5.53%
Consumer Defensive	4.87%
Energy	3.84%
Communication Services	1.4%
Basic Materials	1.26%
Industrials	1.05%

Asset Allocation

Asset Class	Value
Cash	12.54%
Equity	87.46%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 14 \| HDFCBANK	9%	₹555 Cr	2,855,081 ↑ 156,348
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jul 16 \| ICICIBANK	8%	₹495 Cr	3,420,782
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 28 Feb 22 \| M&M	5%	₹298 Cr	1,002,342
ITC Ltd (Consumer Defensive) Equity, Since 31 Mar 21 \| ITC	5%	₹294 Cr	7,025,441 ↑ 200,359
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 21 \| AXISBANK	5%	₹283 Cr	2,375,515
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 17 \| SBILIFE	5%	₹275 Cr	1,520,172 ↑ 48,619
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 May 24 \| KOTAKBANK	4%	₹271 Cr	1,306,305 ↑ 290,358
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Jun 22 \| BAJFINANCE	4%	₹252 Cr	274,515
Cipla Ltd (Healthcare) Equity, Since 30 Jun 20 \| CIPLA	4%	₹234 Cr	1,594,830 ↑ 139,826
NTPC Ltd (Utilities) Equity, Since 30 Nov 23 \| NTPC	4%	₹213 Cr	6,390,400 ↑ 852,920

4. ICICI Prudential Bluechip Fund

(Erstwhile ICICI Prudential Focused Bluechip Equity Fund)

To generate long-term capital appreciation and income distribution to unit holders from a portfolio that is invested in equity and equity related securities of about 20 companies belonging to the large cap domain and the balance in debt securities and money market instruments. The Fund Manager will always select stocks for investment from among Top 200 stocks in terms of market capitalization on the National Stock Exchange of India Ltd. If the total assets under management under this scheme goes above Rs. 1,000 crores the Fund Manager reserves the right to increase the number of companies to more than 20.

ICICI Prudential Bluechip Fund is a Equity - Large Cap fund was launched on 23 May 08. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 14.9% since its launch. Ranked 21 in Large Cap category. Return for 2024 was 16.9% , 2023 was 27.4% and 2022 was 6.9% .

Below is the key information for ICICI Prudential Bluechip Fund

ICICI Prudential Bluechip Fund Growth
Launch Date	23 May 08
NAV (25 Jul 25)	₹109.39 ↓ -0.71 (-0.64 %)
Net Assets (Cr)	₹72,336 on 30 Jun 25
Category	Equity - Large Cap
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.69
Sharpe Ratio	0.14
Information Ratio	1.1
Alpha Ratio	1.93
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹15,204
30 Jun 22	₹15,881
30 Jun 23	₹19,643
30 Jun 24	₹27,184
30 Jun 25	₹29,322

ICICI Prudential Bluechip Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033 Invest Now

Returns for ICICI Prudential Bluechip Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

Duration	Returns
1 Month	-0.9%
3 Month	4.1%
6 Month	8.6%
1 Year	3.2%
3 Year	19.8%
5 Year	21.8%
10 Year
15 Year
Since launch	14.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	16.9%
2023	27.4%
2022	6.9%
2021	29.2%
2020	13.5%
2019	9.8%
2018	-0.8%
2017	32.7%
2016	7.7%
2015	-0.2%

Fund Manager information for ICICI Prudential Bluechip Fund

Name	Since	Tenure
Anish Tawakley	5 Sep 18	6.74 Yr.
Vaibhav Dusad	18 Jan 21	4.37 Yr.
Sharmila D’mello	31 Jul 22	2.84 Yr.

Data below for ICICI Prudential Bluechip Fund as on 30 Jun 25

Equity Sector Allocation

Sector	Value
Financial Services	29.61%
Industrials	10.6%
Consumer Cyclical	9.75%
Energy	9.58%
Basic Materials	6.77%
Technology	5.91%
Health Care	5.25%
Communication Services	4.54%
Consumer Defensive	4.3%
Utility	3.4%
Real Estate	1.24%

Asset Allocation

Asset Class	Value
Cash	8.63%
Equity	91.27%
Other	0.1%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 10 \| HDFCBANK	10%	₹6,742 Cr	34,665,562
ICICI Bank Ltd (Financial Services) Equity, Since 30 Jun 08 \| ICICIBANK	9%	₹6,270 Cr	43,364,687 ↑ 600,000
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 08 \| RELIANCE	6%	₹4,462 Cr	31,400,781
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Jan 12 \| LT	6%	₹4,365 Cr	11,876,248 ↑ 650
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Aug 09 \| BHARTIARTL	4%	₹3,101 Cr	16,706,913 ↑ 380,718
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 14 \| AXISBANK	4%	₹3,004 Cr	25,197,029 ↑ 892,821
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Apr 16 \| MARUTI	4%	₹2,905 Cr	2,358,549
UltraTech Cement Ltd (Basic Materials) Equity, Since 30 Sep 17 \| ULTRACEMCO	4%	₹2,657 Cr	2,370,478 ↓ -26,405
Infosys Ltd (Technology) Equity, Since 30 Nov 10 \| INFY	3%	₹2,411 Cr	15,429,639 ↑ 300,000
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 31 Jul 15 \| SUNPHARMA	3%	₹1,895 Cr	11,295,632 ↑ 477,472

5. JM Core 11 Fund

The investment objective of the Scheme is to provide long-term growth by investing predominantly in a concentrated portfolio of equity / equity related instruments of companies.

JM Core 11 Fund is a Equity - Large Cap fund was launched on 5 Mar 08. It is a fund with High risk and has given a CAGR/Annualized return of 3.9% since its launch. Ranked 18 in Large Cap category. Return for 2024 was 24.3% , 2023 was 32.9% and 2022 was 7.1% .

Below is the key information for JM Core 11 Fund

JM Core 11 Fund Growth
Launch Date	5 Mar 08
NAV (25 Jul 25)	₹19.3802 ↓ -0.35 (-1.75 %)
Net Assets (Cr)	₹290 on 30 Jun 25
Category	Equity - Large Cap
AMC	JM Financial Asset Management Limited
Rating	☆☆☆☆
Risk	High
Expense Ratio	2.45
Sharpe Ratio	-0.28
Information Ratio	0.41
Alpha Ratio	-4.38
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-60 Days (1%),60 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹13,844
30 Jun 22	₹13,791
30 Jun 23	₹17,918
30 Jun 24	₹26,311
30 Jun 25	₹26,430

JM Core 11 Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 Invest Now

Returns for JM Core 11 Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

Duration	Returns
1 Month	-1.7%
3 Month	4.5%
6 Month	2.6%
1 Year	-4.6%
3 Year	19.7%
5 Year	20.1%
10 Year
15 Year
Since launch	3.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	24.3%
2023	32.9%
2022	7.1%
2021	16.3%
2020	6.3%
2019	10.6%
2018	-5%
2017	43.1%
2016	11.1%
2015	-2.4%

Fund Manager information for JM Core 11 Fund

Name	Since	Tenure
Satish Ramanathan	1 Oct 24	0.67 Yr.
Asit Bhandarkar	25 Feb 09	16.27 Yr.
Ruchi Fozdar	4 Oct 24	0.66 Yr.
Deepak Gupta	11 Apr 25	0.14 Yr.

Data below for JM Core 11 Fund as on 30 Jun 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	28.03%
Financial Services	26.2%
Industrials	13.85%
Technology	10.33%
Health Care	6.1%
Basic Materials	5.95%
Communication Services	4.66%
Consumer Defensive	2.56%

Asset Allocation

Asset Class	Value
Cash	2.32%
Equity	97.68%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Oct 11 \| LT	5%	₹14 Cr	38,507 ↑ 7,000
Infosys Ltd (Technology) Equity, Since 28 Feb 21 \| INFY	5%	₹14 Cr	90,110 ↑ 30,000
Cholamandalam Investment and Finance Co Ltd (Financial Services) Equity, Since 28 Feb 25 \| CHOLAFIN	5%	₹14 Cr	86,661
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 24 \| HDFCBANK	5%	₹13 Cr	67,000 ↓ -10,500
ICICI Bank Ltd (Financial Services) Equity, Since 30 Sep 23 \| ICICIBANK	5%	₹13 Cr	90,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 24 \| BHARTIARTL	5%	₹13 Cr	70,000 ↑ 10,000
Titan Co Ltd (Consumer Cyclical) Equity, Since 30 Sep 24 \| TITAN	4%	₹12 Cr	33,600 ↑ 10,000
Trent Ltd (Consumer Cyclical) Equity, Since 30 Nov 22 \| TRENT	4%	₹12 Cr	21,109 ↑ 2,000
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Mar 23 \| AMBER	4%	₹12 Cr	18,298 ↑ 3,000
Eicher Motors Ltd (Consumer Cyclical) Equity, Since 28 Feb 25 \| EICHERMOT	4%	₹11 Cr	20,000

Lump Sum Calculator

Lump sum calculator is an instrument that helps individuals to understand how much will be the value of their Lump Sum Investment in Mutual Funds at the end of the investment tenure. The input data that needs to be fed in the calculator include tenure of lump sum investment, amount of lump sum investment, expected the long-term growth rate in the equity markets, expected long-term Inflation rate. So, let us understand the concept of how to use a lump sum calculator.

Lump Sum Investment: INR 35,000

Investment Tenure: 20 Years

Long-term Growth Rate (Approx.): 15%

Long-term Inflation Rate (Approx.): 4%

Expected Returns as per Lump Sum Calculator: INR 2,82,181

Net Profit on the Investment: INR 2,47,181

Thus, the above calculation shows that the net profit on the investment on your investment is INR 2,47,181 while the total value of your investment is INR 2,82,181.

Thus, from the above pointers, it can be said that lump sum mode of investing also has its advantages. However, individuals should be cautious while choosing lump sum mode of investment. They should check whether such mode is suitable for them or not. If individuals are not very comfortable with lump sum mode, then they can choose for STP or Systematic Transfer Plan in which they first invest the lump sum amount in a Liquid Fund and then transfer it systematically to equity fund at regular intervals.

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.