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Fincash » Mutual Funds » Benefits of Lump Sum Investing

Benefits of Lump Sum Investing in Mutual Funds

Updated on August 4, 2022 , 8996 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.

Lumpsum Investing Benefits

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Best Performing Lump Sum Funds for 2022

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.

FundNAVNet Assets (Cr)Min Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2021 (%)
IDBI India Top 100 Equity Fund Growth ₹39.24
↑ 0.06
₹544 5,000 5-1.46.519.710.231.2
Canara Robeco Bluechip Equity Fund Growth ₹40.56
↑ 0.09
₹6,824 5,000 4.6-32.619.513.124.5
Kotak Bluechip Fund Growth ₹370.518
↑ 1.13
₹4,217 5,000 5.2-1.54.519.111.627.7
ICICI Prudential Bluechip Fund Growth ₹65.81
↑ 0.16
₹29,981 5,000 4.5-1.18.518.211.729.2
SBI Bluechip Fund Growth ₹60.9791
↑ 0.03
₹29,983 5,000 5.30.15.417.910.626.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 5 Aug 22
*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 14.3% since its launch.  Ranked 45 in Large Cap category.  Return for 2021 was 31.2% , 2020 was 16.4% and 2019 was 12.7% .

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 (05 Aug 22) ₹39.24 ↑ 0.06   (0.15 %)
Net Assets (Cr) ₹544 on 30 Jun 22
Category Equity - Large Cap
AMC IDBI Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 2.66
Sharpe Ratio -0.19
Information Ratio 0.43
Alpha Ratio -0.62
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.

DateValue
31 Jul 17₹10,000
31 Jul 18₹10,183
31 Jul 19₹9,663
31 Jul 20₹10,029
31 Jul 21₹14,923
31 Jul 22₹16,112

IDBI India Top 100 Equity Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹395,578.
Net Profit of ₹95,578
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 5 Aug 22

DurationReturns
1 Month 10.9%
3 Month 5%
6 Month -1.4%
1 Year 6.5%
3 Year 19.7%
5 Year 10.2%
10 Year
15 Year
Since launch 14.3%
Historical performance (Yearly) on absolute basis
YearReturns
2021 31.2%
2020 16.4%
2019 12.7%
2018 -5.9%
2017 28%
2016 1.5%
2015 3.2%
2014 40.6%
2013 7.2%
2012
Fund Manager information for IDBI India Top 100 Equity Fund
NameSinceTenure
Alok Ranjan16 Aug 210.96 Yr.

Data below for IDBI India Top 100 Equity Fund as on 30 Jun 22

Equity Sector Allocation
SectorValue
Financial Services34.84%
Technology14.59%
Consumer Cyclical11.77%
Basic Materials9.19%
Energy6.87%
Industrials6.84%
Health Care5.08%
Consumer Defensive4.19%
Real Estate2.38%
Communication Services1.21%
Asset Allocation
Asset ClassValue
Cash3.04%
Equity96.96%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 16 | HDFCBANK
8%₹41 Cr307,182
Reliance Industries Ltd (Energy)
Equity, Since 30 Sep 18 | RELIANCE
7%₹37 Cr143,794
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 16 | ICICIBANK
7%₹36 Cr509,292
Infosys Ltd (Technology)
Equity, Since 31 Mar 18 | INFY
6%₹31 Cr209,877
State Bank of India (Financial Services)
Equity, Since 30 Nov 20 | SBIN
5%₹26 Cr566,957
Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 30 Jun 12 | HDFC
4%₹22 Cr102,448
Axis Bank Ltd (Financial Services)
Equity, Since 31 Jul 19 | 532215
4%₹21 Cr326,703
Tata Consultancy Services Ltd (Technology)
Equity, Since 28 Feb 19 | TCS
3%₹17 Cr53,247
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 28 Feb 19 | KOTAKBANK
2%₹13 Cr81,223
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Jul 17 | LT
2%₹12 Cr77,348

2. Canara Robeco Bluechip Equity Fund

(Erstwhile Canara Robeco Large Cap+ Fund)

The Investment Objective of the fund is to provide capital appreciation by predominantly investing in companies having a large market capitalization. However, there can be no assurance that the investment objective of the scheme will be realized.

Canara Robeco Bluechip Equity Fund is a Equity - Large Cap fund was launched on 20 Aug 10. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 12.4% since its launch.  Ranked 52 in Large Cap category.  Return for 2021 was 24.5% , 2020 was 23.1% and 2019 was 15.7% .

Below is the key information for Canara Robeco Bluechip Equity Fund

Canara Robeco Bluechip Equity Fund
Growth
Launch Date 20 Aug 10
NAV (05 Aug 22) ₹40.56 ↑ 0.09   (0.22 %)
Net Assets (Cr) ₹6,824 on 30 Jun 22
Category Equity - Large Cap
AMC Canara Robeco Asset Management Co. Ltd.
Rating
Risk Moderately High
Expense Ratio 2.25
Sharpe Ratio -0.48
Information Ratio 0.29
Alpha Ratio -4.32
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jul 17₹10,000
31 Jul 18₹11,338
31 Jul 19₹11,168
31 Jul 20₹12,271
31 Jul 21₹17,692
31 Jul 22₹18,414

Canara Robeco Bluechip Equity Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080
Invest Now

Returns for Canara Robeco Bluechip 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 5 Aug 22

DurationReturns
1 Month 9.1%
3 Month 4.6%
6 Month -3%
1 Year 2.6%
3 Year 19.5%
5 Year 13.1%
10 Year
15 Year
Since launch 12.4%
Historical performance (Yearly) on absolute basis
YearReturns
2021 24.5%
2020 23.1%
2019 15.7%
2018 3.4%
2017 31.4%
2016 1.9%
2015 -0.5%
2014 35.9%
2013 5%
2012 28.4%
Fund Manager information for Canara Robeco Bluechip Equity Fund
NameSinceTenure
Vishal Mishra1 Jun 211.17 Yr.
Shridatta Bhandwaldar5 Jul 166.08 Yr.

Data below for Canara Robeco Bluechip Equity Fund as on 30 Jun 22

Equity Sector Allocation
SectorValue
Financial Services33.94%
Technology13.2%
Energy9.01%
Consumer Cyclical8.92%
Consumer Defensive8.68%
Health Care5.85%
Industrials5.75%
Basic Materials3.94%
Communication Services3.27%
Utility2.29%
Asset Allocation
Asset ClassValue
Cash5.15%
Equity94.85%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Reliance Industries Ltd (Energy)
Equity, Since 28 Feb 17 | RELIANCE
9%₹615 Cr2,368,250
↑ 105,000
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Nov 16 | ICICIBANK
9%₹584 Cr8,255,600
↑ 220,000
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Sep 10 | HDFCBANK
9%₹581 Cr4,309,700
↑ 125,000
Infosys Ltd (Technology)
Equity, Since 30 Sep 10 | INFY
7%₹473 Cr3,234,142
↑ 145,000
State Bank of India (Financial Services)
Equity, Since 30 Nov 20 | SBIN
4%₹267 Cr5,725,000
↑ 675,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Mar 18 | TCS
4%₹254 Cr775,988
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 19 | BHARTIARTL
3%₹223 Cr3,258,316
↑ 125,000
Axis Bank Ltd (Financial Services)
Equity, Since 31 Jul 18 | 532215
3%₹219 Cr3,434,200
↑ 150,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 16 | LT
3%₹209 Cr1,338,185
↑ 122,500
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 30 Apr 12 | MARUTI
3%₹207 Cr243,900
↑ 25,500

3. Kotak Bluechip Fund

(Erstwhile Kotak 50 Fund)

To generate capital appreciation from a portfolio of predominantly equity and equity related securities. The portfolio will generally comprise of equity and equity related instruments of around 50 companies which may go up to 59 companies but will not exceed 59 at any point in time. However, there is no assurance that the objective of the scheme will be realized

Kotak Bluechip Fund is a Equity - Large Cap fund was launched on 29 Dec 98. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 18.1% since its launch.  Ranked 32 in Large Cap category.  Return for 2021 was 27.7% , 2020 was 16.4% and 2019 was 14.2% .

Below is the key information for Kotak Bluechip Fund

Kotak Bluechip Fund
Growth
Launch Date 29 Dec 98
NAV (05 Aug 22) ₹370.518 ↑ 1.13   (0.31 %)
Net Assets (Cr) ₹4,217 on 30 Jun 22
Category Equity - Large Cap
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately High
Expense Ratio 1.97
Sharpe Ratio -0.36
Information Ratio 0.26
Alpha Ratio -2.68
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-18 Months (1%),18 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jul 17₹10,000
31 Jul 18₹10,931
31 Jul 19₹10,456
31 Jul 20₹10,941
31 Jul 21₹16,112
31 Jul 22₹16,978

Kotak Bluechip Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518
Invest Now

Returns for Kotak 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 5 Aug 22

DurationReturns
1 Month 9.3%
3 Month 5.2%
6 Month -1.5%
1 Year 4.5%
3 Year 19.1%
5 Year 11.6%
10 Year
15 Year
Since launch 18.1%
Historical performance (Yearly) on absolute basis
YearReturns
2021 27.7%
2020 16.4%
2019 14.2%
2018 -2.1%
2017 29.2%
2016 2.9%
2015 3.8%
2014 42.5%
2013 4.3%
2012 23.4%
Fund Manager information for Kotak Bluechip Fund
NameSinceTenure
Harish Krishnan1 Jan 148.58 Yr.
Arjun Khanna30 Apr 220.25 Yr.

Data below for Kotak Bluechip Fund as on 30 Jun 22

Equity Sector Allocation
SectorValue
Financial Services29.04%
Consumer Cyclical15.1%
Technology13.42%
Energy8.9%
Industrials7.13%
Consumer Defensive6.81%
Basic Materials6.23%
Health Care3.83%
Communication Services2.18%
Utility1.9%
Real Estate1.07%
Asset Allocation
Asset ClassValue
Cash3.61%
Equity96.39%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 06 | RELIANCE
8%₹337 Cr1,300,000
↑ 50,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK
7%₹299 Cr4,225,000
↑ 225,000
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK
6%₹251 Cr1,862,500
↑ 62,500
Infosys Ltd (Technology)
Equity, Since 31 Oct 04 | INFY
6%₹249 Cr1,700,000
↑ 75,000
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Jul 13 | MARUTI
3%₹146 Cr172,500
↑ 2,500
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Mar 12 | LT
3%₹142 Cr910,000
↑ 10,000
Axis Bank Ltd (Financial Services)
Equity, Since 28 Feb 13 | 532215
3%₹132 Cr2,070,000
↑ 70,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Aug 17 | TCS
3%₹131 Cr400,000
Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 31 Aug 17 | HDFC
3%₹109 Cr500,000
Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 30 Jun 20 | M&M
3%₹107 Cr975,000
↑ 62,500

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 14.2% since its launch.  Ranked 21 in Large Cap category.  Return for 2021 was 29.2% , 2020 was 13.5% and 2019 was 9.8% .

Below is the key information for ICICI Prudential Bluechip Fund

ICICI Prudential Bluechip Fund
Growth
Launch Date 23 May 08
NAV (05 Aug 22) ₹65.81 ↑ 0.16   (0.24 %)
Net Assets (Cr) ₹29,981 on 30 Jun 22
Category Equity - Large Cap
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 1.76
Sharpe Ratio 0.11
Information Ratio 0.08
Alpha Ratio 2.86
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.

DateValue
31 Jul 17₹10,000
31 Jul 18₹11,015
31 Jul 19₹10,782
31 Jul 20₹10,671
31 Jul 21₹15,593
31 Jul 22₹17,194

ICICI Prudential Bluechip Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518
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 5 Aug 22

DurationReturns
1 Month 8.6%
3 Month 4.5%
6 Month -1.1%
1 Year 8.5%
3 Year 18.2%
5 Year 11.7%
10 Year
15 Year
Since launch 14.2%
Historical performance (Yearly) on absolute basis
YearReturns
2021 29.2%
2020 13.5%
2019 9.8%
2018 -0.8%
2017 32.7%
2016 7.7%
2015 -0.2%
2014 41.1%
2013 10.2%
2012 26.8%
Fund Manager information for ICICI Prudential Bluechip Fund
NameSinceTenure
Priyanka Khandelwal15 Jun 175.13 Yr.
Anish Tawakley5 Sep 183.9 Yr.
Vaibhav Dusad18 Jan 211.53 Yr.

Data below for ICICI Prudential Bluechip Fund as on 30 Jun 22

Equity Sector Allocation
SectorValue
Financial Services30.92%
Technology13.7%
Energy9.79%
Consumer Cyclical9.27%
Industrials6.79%
Health Care6.5%
Consumer Defensive5.69%
Communication Services5.48%
Basic Materials4.59%
Utility1.65%
Asset Allocation
Asset ClassValue
Cash5.62%
Equity94.38%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Jun 08 | ICICIBANK
10%₹2,981 Cr42,151,532
↑ 844,400
Infosys Ltd (Technology)
Equity, Since 30 Nov 10 | INFY
8%₹2,457 Cr16,808,989
↑ 629,643
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK
8%₹2,451 Cr18,182,727
Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 08 | RELIANCE
7%₹2,165 Cr8,341,864
↓ -29,564
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Jan 12 | LT
5%₹1,649 Cr10,580,951
↑ 1,385,200
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Aug 09 | BHARTIARTL
5%₹1,641 Cr23,965,134
↑ 417,756
Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 14 | 532215
5%₹1,456 Cr22,858,016
↓ -144,201
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 30 Apr 16 | MARUTI
3%₹1,022 Cr1,205,943
↓ -24,942
SBI Life Insurance Company Limited (Financial Services)
Equity, Since 30 Apr 18 | SBILIFE
3%₹962 Cr8,893,316
HCL Technologies Ltd (Technology)
Equity, Since 31 Jan 12 | HCLTECH
3%₹812 Cr8,346,565
↑ 175,426

5. SBI Bluechip Fund

(Erstwhile SBI Blue Chip Fund)

To provide investors with opportunities for long-term growth in capital through an active management of investments in a diversified basket of equity stocks of companies whose market capitalization is at least equal to or more than the least market capitalized stock of S&P BSE 100 Index.

SBI Bluechip Fund is a Equity - Large Cap fund was launched on 14 Feb 06. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 11.6% since its launch.  Ranked 9 in Large Cap category.  Return for 2021 was 26.1% , 2020 was 16.3% and 2019 was 11.6% .

Below is the key information for SBI Bluechip Fund

SBI Bluechip Fund
Growth
Launch Date 14 Feb 06
NAV (05 Aug 22) ₹60.9791 ↑ 0.03   (0.05 %)
Net Assets (Cr) ₹29,983 on 30 Jun 22
Category Equity - Large Cap
AMC SBI Funds Management Private Limited
Rating
Risk Moderately High
Expense Ratio 1.8
Sharpe Ratio -0.2
Information Ratio -0.22
Alpha Ratio -0.92
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.

DateValue
31 Jul 17₹10,000
31 Jul 18₹10,710
31 Jul 19₹10,450
31 Jul 20₹10,280
31 Jul 21₹15,348
31 Jul 22₹16,476

SBI Bluechip Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹395,578.
Net Profit of ₹95,578
Invest Now

Returns for SBI 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 5 Aug 22

DurationReturns
1 Month 8.7%
3 Month 5.3%
6 Month 0.1%
1 Year 5.4%
3 Year 17.9%
5 Year 10.6%
10 Year
15 Year
Since launch 11.6%
Historical performance (Yearly) on absolute basis
YearReturns
2021 26.1%
2020 16.3%
2019 11.6%
2018 -4.1%
2017 30.2%
2016 4.8%
2015 8%
2014 47.9%
2013 7.6%
2012 38.2%
Fund Manager information for SBI Bluechip Fund
NameSinceTenure
Sohini Andani1 Sep 1011.92 Yr.

Data below for SBI Bluechip Fund as on 30 Jun 22

Equity Sector Allocation
SectorValue
Financial Services31.03%
Consumer Cyclical16%
Technology9.26%
Industrials8.51%
Energy7.26%
Health Care7.22%
Consumer Defensive5.94%
Basic Materials4.92%
Communication Services2.36%
Real Estate2.18%
Asset Allocation
Asset ClassValue
Cash5.11%
Equity94.89%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 09 | HDFCBANK
8%₹2,393 Cr17,750,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 06 | ICICIBANK
7%₹2,153 Cr30,443,104
Infosys Ltd (Technology)
Equity, Since 30 Nov 17 | INFY
5%₹1,628 Cr11,135,178
Reliance Industries Ltd (Energy)
Equity, Since 31 Mar 15 | RELIANCE
5%₹1,563 Cr6,020,915
↑ 123,251
ITC Ltd (Consumer Defensive)
Equity, Since 29 Feb 12 | ITC
4%₹1,282 Cr46,874,904
Larsen & Toubro Ltd (Industrials)
Equity, Since 28 Feb 09 | LT
4%₹1,178 Cr7,562,209
HCL Technologies Ltd (Technology)
Equity, Since 31 Jan 16 | HCLTECH
4%₹1,085 Cr11,148,030
Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 30 Nov 15 | HDFC
4%₹1,053 Cr4,850,000
State Bank of India (Financial Services)
Equity, Since 28 Feb 14 | SBIN
3%₹855 Cr18,349,243
Divi's Laboratories Ltd (Healthcare)
Equity, Since 31 Mar 12 | DIVISLAB
3%₹835 Cr2,300,000
↑ 289,302

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

Lump-Sum-Calculator

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.
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