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

Talk to our investment specialist
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 (%) 2025 (%) IDBI India Top 100 Equity Fund Growth ₹44.16
↑ 0.05 ₹655 5,000 9.2 12.5 15.4 21.9 12.6 Invesco India Largecap Fund Growth ₹75.51
↑ 0.69 ₹1,925 5,000 2.6 10.9 5.7 15 10.2 5.5 Bandhan Large Cap Fund Growth ₹82.093
↑ 0.55 ₹2,098 5,000 2.8 8.4 3.1 14.2 9.7 8.2 DSP TOP 100 Equity Growth ₹480.87
↑ 4.83 ₹6,642 1,000 3.7 6.5 -0.2 12.5 9.8 8.4 Nippon India Large Cap Fund Growth ₹92.5592
↑ 0.85 ₹51,296 5,000 1.4 4.8 -0.6 12.4 12.3 9.2 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jul 23 Research Highlights & Commentary of 5 Funds showcased
Commentary IDBI India Top 100 Equity Fund Invesco India Largecap Fund Bandhan Large Cap Fund DSP TOP 100 Equity Nippon India Large Cap Fund Point 1 Bottom quartile AUM (₹655 Cr). Bottom quartile AUM (₹1,925 Cr). Lower mid AUM (₹2,098 Cr). Upper mid AUM (₹6,642 Cr). Highest AUM (₹51,296 Cr). Point 2 Established history (14+ yrs). Established history (17+ yrs). Established history (20+ yrs). Oldest track record among peers (23 yrs). Established history (19+ yrs). Point 3 Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). Rating: 2★ (bottom quartile). Top rated. Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 12.61% (top quartile). 5Y return: 10.18% (lower mid). 5Y return: 9.67% (bottom quartile). 5Y return: 9.75% (bottom quartile). 5Y return: 12.29% (upper mid). Point 6 3Y return: 21.88% (top quartile). 3Y return: 15.01% (upper mid). 3Y return: 14.23% (lower mid). 3Y return: 12.48% (bottom quartile). 3Y return: 12.37% (bottom quartile). Point 7 1Y return: 15.39% (top quartile). 1Y return: 5.74% (upper mid). 1Y return: 3.07% (lower mid). 1Y return: -0.25% (bottom quartile). 1Y return: -0.57% (bottom quartile). Point 8 Alpha: 2.11 (lower mid). Alpha: 6.02 (top quartile). Alpha: 3.21 (upper mid). Alpha: -4.08 (bottom quartile). Alpha: -1.77 (bottom quartile). Point 9 Sharpe: 1.09 (top quartile). Sharpe: -0.19 (upper mid). Sharpe: -0.33 (lower mid). Sharpe: -0.78 (bottom quartile). Sharpe: -0.62 (bottom quartile). Point 10 Information ratio: 0.14 (bottom quartile). Information ratio: 0.90 (upper mid). Information ratio: 0.95 (top quartile). Information ratio: 0.22 (bottom quartile). Information ratio: 0.42 (lower mid). IDBI India Top 100 Equity Fund
Invesco India Largecap Fund
Bandhan Large Cap Fund
DSP TOP 100 Equity
Nippon India Large Cap Fund
Lump Sum funds having AUM/Net Assets above 100 Crore. Sorted on Last 3 Year Return.
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. Below is the key information for IDBI India Top 100 Equity Fund Returns up to 1 year are on (Erstwhile Invesco India Business Leaders Fund) To generate long term capital appreciation by investing in equity and equity related instruments including equity derivatives of companies which in our opinion are leaders in their respective industry or industry segment. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns. Research Highlights for Invesco India Largecap Fund Below is the key information for Invesco India Largecap Fund Returns up to 1 year are on (Erstwhile IDFC Equity Fund) The investment objective of the scheme is to seek to generate
capital growth from a portfolio of predominantly equity and equity
related instruments (including Equity Derivatives). The scheme
may also invest in debt & money market instruments to generate
reasonable income. However there is no assurance or guarantee that the objectives of the scheme will be realized. Research Highlights for Bandhan Large Cap Fund Below is the key information for Bandhan Large Cap Fund Returns up to 1 year are on 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. Research Highlights for DSP TOP 100 Equity Below is the key information for DSP TOP 100 Equity Returns up to 1 year are on (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. Research Highlights for Nippon India Large Cap Fund Below is the key information for Nippon India Large Cap Fund Returns up to 1 year are on 1. 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 Returns for IDBI India Top 100 Equity Fund
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 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 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. Invesco India Largecap Fund
Invesco India Largecap Fund
Growth Launch Date 21 Aug 09 NAV (11 Nov 26) ₹75.51 ↑ 0.69 (0.92 %) Net Assets (Cr) ₹1,925 on 30 Sep 26 Category Equity - Large Cap AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 1.98 Sharpe Ratio -0.19 Information Ratio 0.9 Alpha Ratio 6.02 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 31 Oct 21 ₹10,000 31 Oct 22 ₹9,739 31 Oct 23 ₹10,630 31 Oct 24 ₹14,718 31 Oct 25 ₹15,651 31 Oct 26 ₹15,190 Returns for Invesco India Largecap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 10.6% 3 Month 2.6% 6 Month 10.9% 1 Year 5.7% 3 Year 15% 5 Year 10.2% 10 Year 15 Year Since launch 12.5% Historical performance (Yearly) on absolute basis
Year Returns 2025 5.5% 2024 20% 2023 27.8% 2022 -3% 2021 32.5% 2020 14.1% 2019 10.5% 2018 -0.4% 2017 28.3% 2016 2.8% Fund Manager information for Invesco India Largecap Fund
Name Since Tenure Deepak Gupta 1 Oct 26 0 Yr. Hiten Jain 1 Dec 23 2.84 Yr. Data below for Invesco India Largecap Fund as on 30 Sep 26
Equity Sector Allocation
Sector Value Financial Services 33.73% Industrials 17.64% Consumer Cyclical 17.12% Technology 9.57% Health Care 8.97% Basic Materials 5.25% Communication Services 2.92% Consumer Defensive 1.78% Real Estate 1.66% Utility 0.49% Asset Allocation
Asset Class Value Cash 0.89% Equity 99.11% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 30 Sep 19 | ICICIBANK8% ₹160 Cr 1,210,842
↑ 34,397 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Sep 09 | HDFCBANK4% ₹80 Cr 1,128,336 ICICI Prudential Asset Management Co Ltd (Financial Services)
Equity, Since 31 Dec 25 | ICICIAMC4% ₹76 Cr 243,802 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Aug 23 | ETERNAL4% ₹74 Cr 2,302,684 InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 May 25 | INDIGO4% ₹70 Cr 140,549
↑ 4,935 Infosys Ltd (Technology)
Equity, Since 30 Apr 18 | INFY4% ₹69 Cr 690,983
↑ 44,304 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Oct 25 | LT4% ₹68 Cr 180,930 Bajaj Finance Ltd (Financial Services)
Equity, Since 28 Feb 25 | 5000343% ₹62 Cr 644,690
↑ 19,548 Tech Mahindra Ltd (Technology)
Equity, Since 31 May 23 | 5327553% ₹56 Cr 370,579 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Dec 19 | BHARTIARTL3% ₹56 Cr 320,404 3. Bandhan Large Cap Fund
Bandhan Large Cap Fund
Growth Launch Date 9 Jun 06 NAV (11 Nov 26) ₹82.093 ↑ 0.55 (0.67 %) Net Assets (Cr) ₹2,098 on 30 Sep 26 Category Equity - Large Cap AMC IDFC Asset Management Company Limited Rating ☆☆ Risk Moderately High Expense Ratio 2.03 Sharpe Ratio -0.33 Information Ratio 0.95 Alpha Ratio 3.21 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-365 Days (1%),365 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹9,891 31 Oct 23 ₹10,591 31 Oct 24 ₹14,714 31 Oct 25 ₹15,736 31 Oct 26 ₹14,841 Returns for Bandhan Large Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 10.8% 3 Month 2.8% 6 Month 8.4% 1 Year 3.1% 3 Year 14.2% 5 Year 9.7% 10 Year 15 Year Since launch 10.9% Historical performance (Yearly) on absolute basis
Year Returns 2025 8.2% 2024 18.7% 2023 26.8% 2022 -2.3% 2021 26.8% 2020 17.4% 2019 10.6% 2018 -4.2% 2017 34.2% 2016 5.3% Fund Manager information for Bandhan Large Cap Fund
Name Since Tenure Manish Gunwani 2 Dec 24 1.83 Yr. Prateek Poddar 2 Dec 24 1.83 Yr. Ritika Behera 7 Oct 23 2.99 Yr. Gaurav Satra 7 Jun 24 2.32 Yr. Data below for Bandhan Large Cap Fund as on 30 Sep 26
Equity Sector Allocation
Sector Value Financial Services 32.5% Consumer Cyclical 16.45% Technology 9.04% Industrials 7.68% Health Care 7.34% Basic Materials 7.18% Energy 5.75% Consumer Defensive 5.08% Utility 4.43% Communication Services 2.88% Real Estate 1.58% Asset Allocation
Asset Class Value Cash 0.11% Equity 99.89% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK8% ₹176 Cr 1,330,755
↑ 4,489 HDFC Bank Ltd (Financial Services)
Equity, Since 28 Feb 07 | HDFCBANK8% ₹159 Cr 2,236,985
↑ 95,683 Reliance Industries Ltd (Energy)
Equity, Since 28 Feb 07 | RELIANCE6% ₹121 Cr 1,016,203
↑ 24,964 State Bank of India (Financial Services)
Equity, Since 31 Dec 24 | SBIN4% ₹83 Cr 865,294
↑ 44,223 NTPC Ltd (Utilities)
Equity, Since 31 Dec 24 | 5325554% ₹77 Cr 2,392,712
↑ 161,816 Infosys Ltd (Technology)
Equity, Since 31 Aug 11 | INFY4% ₹75 Cr 756,556 Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 30 Apr 24 | M&M3% ₹68 Cr 228,948
↑ 6,412 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Jan 19 | LT3% ₹67 Cr 179,174
↑ 2,633 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 24 | BHARTIARTL3% ₹60 Cr 343,517
↑ 8,209 Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Aug 24 | SUNPHARMA3% ₹59 Cr 326,682 4. DSP TOP 100 Equity
DSP TOP 100 Equity
Growth Launch Date 10 Mar 03 NAV (11 Nov 26) ₹480.87 ↑ 4.83 (1.01 %) Net Assets (Cr) ₹6,642 on 30 Sep 26 Category Equity - Large Cap AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆ Risk Moderately High Expense Ratio 1.94 Sharpe Ratio -0.78 Information Ratio 0.22 Alpha Ratio -4.08 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 31 Oct 21 ₹10,000 31 Oct 22 ₹10,113 31 Oct 23 ₹11,113 31 Oct 24 ₹15,506 31 Oct 25 ₹16,225 31 Oct 26 ₹14,820 Returns for DSP TOP 100 Equity
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 11.7% 3 Month 3.7% 6 Month 6.5% 1 Year -0.2% 3 Year 12.5% 5 Year 9.8% 10 Year 15 Year Since launch 17.8% Historical performance (Yearly) on absolute basis
Year Returns 2025 8.4% 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% Fund Manager information for DSP TOP 100 Equity
Name Since Tenure Anish Tawakley 16 May 26 0.38 Yr. Data below for DSP TOP 100 Equity as on 30 Sep 26
Equity Sector Allocation
Sector Value Financial Services 36.41% Consumer Cyclical 13.04% Energy 8.53% Communication Services 7.45% Industrials 7.28% Basic Materials 5.77% Utility 5.55% Consumer Defensive 5.03% Technology 3.99% Health Care 2.76% Real Estate 2.19% Asset Allocation
Asset Class Value Cash 2.01% Equity 97.99% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Sep 14 | HDFCBANK10% ₹670 Cr 9,451,066 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jul 16 | ICICIBANK10% ₹646 Cr 4,884,060
↓ -75,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Mar 26 | BHARTIARTL6% ₹401 Cr 2,283,496 Axis Bank Ltd (Financial Services)
Equity, Since 31 Oct 21 | 5322156% ₹392 Cr 3,199,327 Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 28 Feb 22 | M&M5% ₹321 Cr 1,089,571 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 May 26 | LT5% ₹315 Cr 836,626 Reliance Industries Ltd (Energy)
Equity, Since 31 May 26 | RELIANCE4% ₹269 Cr 2,269,483 Infosys Ltd (Technology)
Equity, Since 30 Sep 19 | INFY4% ₹265 Cr 2,663,853
↓ -165,000 ITC Ltd (Consumer Defensive)
Equity, Since 31 Mar 21 | ITC4% ₹264 Cr 10,041,655
↓ -4,031,857 NTPC Ltd (Utilities)
Equity, Since 30 Nov 23 | 5325553% ₹204 Cr 6,330,986 5. Nippon India Large Cap Fund
Nippon India Large Cap Fund
Growth Launch Date 8 Aug 07 NAV (11 Nov 26) ₹92.5592 ↑ 0.85 (0.93 %) Net Assets (Cr) ₹51,296 on 30 Sep 26 Category Equity - Large Cap AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.5 Sharpe Ratio -0.62 Information Ratio 0.42 Alpha Ratio -1.77 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 31 Oct 21 ₹10,000 31 Oct 22 ₹10,921 31 Oct 23 ₹12,636 31 Oct 24 ₹17,221 31 Oct 25 ₹18,513 31 Oct 26 ₹16,881 Returns for Nippon India Large Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 9.7% 3 Month 1.4% 6 Month 4.8% 1 Year -0.6% 3 Year 12.4% 5 Year 12.3% 10 Year 15 Year Since launch 12.2% Historical performance (Yearly) on absolute basis
Year Returns 2025 9.2% 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% Fund Manager information for Nippon India Large Cap Fund
Name Since Tenure Sailesh Raj Bhan 8 Aug 07 19.16 Yr. Kinjal Desai 25 May 18 8.36 Yr. Bhavik Dave 19 Aug 24 2.12 Yr. Amber Singhania 11 Mar 26 0.56 Yr. Data below for Nippon India Large Cap Fund as on 30 Sep 26
Equity Sector Allocation
Sector Value Financial Services 34.52% Consumer Cyclical 15.9% Consumer Defensive 12.64% Technology 9.04% Industrials 7.53% Health Care 7.49% Energy 4.75% Utility 4.64% Basic Materials 2.43% Communication Services 0.75% Asset Allocation
Asset Class Value Cash 0.3% Equity 99.7% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 08 | HDFCBANK10% ₹4,931 Cr 69,580,734
↑ 3,500,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK6% ₹3,125 Cr 23,642,328
↓ -1,357,672 Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 15 | 5322155% ₹2,699 Cr 22,015,542 Reliance Industries Ltd (Energy)
Equity, Since 31 Aug 19 | RELIANCE4% ₹2,011 Cr 16,941,139
↓ -500,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Sep 07 | LT4% ₹1,860 Cr 4,947,774 Infosys Ltd (Technology)
Equity, Since 30 Sep 07 | INFY3% ₹1,725 Cr 17,349,771 Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Jun 24 | TCS3% ₹1,599 Cr 7,800,000
↓ -200,000 Bajaj Finance Ltd (Financial Services)
Equity, Since 31 Dec 21 | 5000343% ₹1,586 Cr 16,534,184 State Bank of India (Financial Services)
Equity, Since 31 Oct 10 | SBIN3% ₹1,447 Cr 15,082,107 Hindustan Unilever Ltd (Consumer Defensive)
Equity, Since 30 Sep 20 | HINDUNILVR3% ₹1,407 Cr 7,489,046
↑ 600,000
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.
Research Highlights for IDBI India Top 100 Equity Fund