Benefits of Lump Sum Investing in Mutual Funds

Updated on February 23, 2026 , 13438 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 (%)
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	₹93.2109 ↑ 0.04	₹50,107	5,000	0.1	1.7	16.7	19.9	17.1
ICICI Prudential Bluechip Fund Growth	₹113.53 ↑ 0.02	₹76,646	5,000	-1.2	2.1	15.4	18.7	15.4
DSP TOP 100 Equity Growth	₹479.621 ↓ -0.37	₹7,163	1,000	-0.6	1.9	11.4	18.4	13.5
Bandhan Large Cap Fund Growth	₹79.013 ↑ 0.09	₹1,980	5,000	-0.8	1.6	16.8	18.1	13.1
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	Nippon India Large Cap Fund	ICICI Prudential Bluechip Fund	DSP TOP 100 Equity	Bandhan Large Cap Fund
Point 1	Bottom quartile AUM (₹655 Cr).	Upper mid AUM (₹50,107 Cr).	Highest AUM (₹76,646 Cr).	Lower mid AUM (₹7,163 Cr).	Bottom quartile AUM (₹1,980 Cr).
Point 2	Established history (13+ yrs).	Established history (18+ yrs).	Established history (17+ yrs).	Oldest track record among peers (22 yrs).	Established history (19+ yrs).
Point 3	Rating: 3★ (lower mid).	Top rated.	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 2★ (bottom quartile).
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% (bottom quartile).	5Y return: 17.10% (top quartile).	5Y return: 15.41% (upper mid).	5Y return: 13.49% (lower mid).	5Y return: 13.10% (bottom quartile).
Point 6	3Y return: 21.88% (top quartile).	3Y return: 19.88% (upper mid).	3Y return: 18.71% (lower mid).	3Y return: 18.39% (bottom quartile).	3Y return: 18.14% (bottom quartile).
Point 7	1Y return: 15.39% (lower mid).	1Y return: 16.71% (upper mid).	1Y return: 15.38% (bottom quartile).	1Y return: 11.41% (bottom quartile).	1Y return: 16.78% (top quartile).
Point 8	Alpha: 2.11 (top quartile).	Alpha: 0.30 (bottom quartile).	Alpha: 0.35 (lower mid).	Alpha: -1.18 (bottom quartile).	Alpha: 0.90 (upper mid).
Point 9	Sharpe: 1.09 (top quartile).	Sharpe: 0.30 (lower mid).	Sharpe: 0.30 (bottom quartile).	Sharpe: 0.17 (bottom quartile).	Sharpe: 0.35 (upper mid).
Point 10	Information ratio: 0.14 (bottom quartile).	Information ratio: 1.22 (top quartile).	Information ratio: 1.01 (upper mid).	Information ratio: 0.64 (bottom quartile).	Information ratio: 0.69 (lower mid).

IDBI India Top 100 Equity Fund

Bottom quartile AUM (₹655 Cr).
Established history (13+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 12.61% (bottom quartile).
3Y return: 21.88% (top quartile).
1Y return: 15.39% (lower mid).
Alpha: 2.11 (top quartile).
Sharpe: 1.09 (top quartile).
Information ratio: 0.14 (bottom quartile).

Nippon India Large Cap Fund

Upper mid AUM (₹50,107 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 17.10% (top quartile).
3Y return: 19.88% (upper mid).
1Y return: 16.71% (upper mid).
Alpha: 0.30 (bottom quartile).
Sharpe: 0.30 (lower mid).
Information ratio: 1.22 (top quartile).

ICICI Prudential Bluechip Fund

Highest AUM (₹76,646 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 15.41% (upper mid).
3Y return: 18.71% (lower mid).
1Y return: 15.38% (bottom quartile).
Alpha: 0.35 (lower mid).
Sharpe: 0.30 (bottom quartile).
Information ratio: 1.01 (upper mid).

DSP TOP 100 Equity

Lower mid AUM (₹7,163 Cr).
Oldest track record among peers (22 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 13.49% (lower mid).
3Y return: 18.39% (bottom quartile).
1Y return: 11.41% (bottom quartile).
Alpha: -1.18 (bottom quartile).
Sharpe: 0.17 (bottom quartile).
Information ratio: 0.64 (bottom quartile).

Bandhan Large Cap Fund

Bottom quartile AUM (₹1,980 Cr).
Established history (19+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 13.10% (bottom quartile).
3Y return: 18.14% (bottom quartile).
1Y return: 16.78% (top quartile).
Alpha: 0.90 (upper mid).
Sharpe: 0.35 (upper mid).
Information ratio: 0.69 (lower mid).

*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.

Research Highlights for IDBI India Top 100 Equity Fund

Bottom quartile AUM (₹655 Cr).
Established history (13+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 12.61% (bottom quartile).
3Y return: 21.88% (top quartile).
1Y return: 15.39% (lower mid).
Alpha: 2.11 (top quartile).
Sharpe: 1.09 (top quartile).
Information ratio: 0.14 (bottom quartile).

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
31 Jan 21	₹10,000
31 Jan 22	₹13,389
31 Jan 23	₹13,450

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.

Research Highlights for Nippon India Large Cap Fund

Upper mid AUM (₹50,107 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 17.10% (top quartile).
3Y return: 19.88% (upper mid).
1Y return: 16.71% (upper mid).
Alpha: 0.30 (bottom quartile).
Sharpe: 0.30 (lower mid).
Information ratio: 1.22 (top quartile).

Below is the key information for Nippon India Large Cap Fund

Nippon India Large Cap Fund Growth
Launch Date	8 Aug 07
NAV (26 Feb 26)	₹93.2109 ↑ 0.04 (0.04 %)
Net Assets (Cr)	₹50,107 on 31 Jan 26
Category	Equity - Large Cap
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.58
Sharpe Ratio	0.3
Information Ratio	1.22
Alpha Ratio	0.3
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 Jan 21	₹10,000
31 Jan 22	₹13,601
31 Jan 23	₹14,610
31 Jan 24	₹19,910
31 Jan 25	₹22,484
31 Jan 26	₹24,543

Nippon India Large Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 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	3.9%
3 Month	0.1%
6 Month	1.7%
1 Year	16.7%
3 Year	19.9%
5 Year	17.1%
10 Year
15 Year
Since launch	12.8%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Nippon India Large Cap Fund

Name	Since	Tenure
Sailesh Raj Bhan	8 Aug 07	18.5 Yr.
Kinjal Desai	25 May 18	7.7 Yr.
Bhavik Dave	19 Aug 24	1.45 Yr.
Lokesh Maru	5 Sep 25	0.41 Yr.
Divya Sharma	5 Sep 25	0.41 Yr.

Data below for Nippon India Large Cap Fund as on 31 Jan 26

Equity Sector Allocation

Sector	Value
Financial Services	33.89%
Consumer Cyclical	14.78%
Consumer Defensive	9.84%
Industrials	9.61%
Technology	8.16%
Health Care	5.68%
Basic Materials	5.67%
Utility	5.47%
Energy	5.44%
Real Estate	0.34%
Communication Services	0.19%

Asset Allocation

Asset Class	Value
Cash	0.89%
Equity	99.11%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 08 \| HDFCBANK	9%	₹4,607 Cr	49,580,734 ↑ 4,200,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	6%	₹3,208 Cr	23,677,945 ↑ 1,500,000
Reliance Industries Ltd (Energy) Equity, Since 31 Aug 19 \| RELIANCE	5%	₹2,726 Cr	19,537,539
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 15 \| AXISBANK	4%	₹2,140 Cr	15,615,542
State Bank of India (Financial Services) Equity, Since 31 Oct 10 \| SBIN	4%	₹2,055 Cr	19,082,107 ↓ -500,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Sep 07 \| LT	3%	₹1,730 Cr	4,400,529
Infosys Ltd (Technology) Equity, Since 30 Sep 07 \| INFY	3%	₹1,574 Cr	9,590,806
Tata Consultancy Services Ltd (Technology) Equity, Since 30 Jun 24 \| TCS	3%	₹1,468 Cr	4,700,000
ITC Ltd (Consumer Defensive) Equity, Since 31 Jan 16 \| ITC	3%	₹1,380 Cr	42,829,812 ↑ 7,500,000
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Dec 21 \| BAJFINANCE	3%	₹1,362 Cr	14,648,655

3. 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.

Research Highlights for ICICI Prudential Bluechip Fund

Highest AUM (₹76,646 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 15.41% (upper mid).
3Y return: 18.71% (lower mid).
1Y return: 15.38% (bottom quartile).
Alpha: 0.35 (lower mid).
Sharpe: 0.30 (bottom quartile).
Information ratio: 1.01 (upper mid).

Below is the key information for ICICI Prudential Bluechip Fund

ICICI Prudential Bluechip Fund Growth
Launch Date	23 May 08
NAV (26 Feb 26)	₹113.53 ↑ 0.02 (0.02 %)
Net Assets (Cr)	₹76,646 on 31 Jan 26
Category	Equity - Large Cap
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.46
Sharpe Ratio	0.3
Information Ratio	1.01
Alpha Ratio	0.35
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 Jan 21	₹10,000
31 Jan 22	₹13,200
31 Jan 23	₹13,710
31 Jan 24	₹18,309
31 Jan 25	₹20,510
31 Jan 26	₹22,375

ICICI Prudential Bluechip Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 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	2.8%
3 Month	-1.2%
6 Month	2.1%
1 Year	15.4%
3 Year	18.7%
5 Year	15.4%
10 Year
15 Year
Since launch	14.7%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for ICICI Prudential Bluechip Fund

Name	Since	Tenure
Anish Tawakley	5 Sep 18	7.41 Yr.
Vaibhav Dusad	18 Jan 21	5.04 Yr.
Sharmila D’mello	31 Jul 22	3.51 Yr.

Data below for ICICI Prudential Bluechip Fund as on 31 Jan 26

Equity Sector Allocation

Sector	Value
Financial Services	28.32%
Consumer Cyclical	12.02%
Industrials	11.69%
Energy	8.9%
Basic Materials	6.92%
Technology	5.22%
Utility	4.99%
Communication Services	4.88%
Health Care	4.5%
Consumer Defensive	3.45%
Real Estate	1.22%

Asset Allocation

Asset Class	Value
Cash	3.77%
Equity	96.23%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 10 \| HDFCBANK	10%	₹7,423 Cr	79,879,508 ↑ 2,440,640
ICICI Bank Ltd (Financial Services) Equity, Since 30 Jun 08 \| ICICIBANK	8%	₹6,426 Cr	47,426,976
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 08 \| RELIANCE	6%	₹4,948 Cr	35,455,981 ↑ 800,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Jan 12 \| LT	6%	₹4,944 Cr	12,574,023 ↑ 130,671
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 14 \| AXISBANK	5%	₹3,534 Cr	25,789,059
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Aug 09 \| BHARTIARTL	4%	₹3,337 Cr	16,951,029
Nifty 50 Index - \| -	4%	₹3,154 Cr	1,240,525 ↑ 1,240,525
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Apr 16 \| MARUTI	4%	₹2,957 Cr	2,025,668 ↑ 24,356
UltraTech Cement Ltd (Basic Materials) Equity, Since 30 Sep 17 \| ULTRACEMCO	3%	₹2,676 Cr	2,107,962 ↑ 4,035
Infosys Ltd (Technology) Equity, Since 30 Nov 10 \| INFY	3%	₹2,666 Cr	16,248,711 ↓ -200,000

4. DSP 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.

Research Highlights for DSP TOP 100 Equity

Lower mid AUM (₹7,163 Cr).
Oldest track record among peers (22 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 13.49% (lower mid).
3Y return: 18.39% (bottom quartile).
1Y return: 11.41% (bottom quartile).
Alpha: -1.18 (bottom quartile).
Sharpe: 0.17 (bottom quartile).
Information ratio: 0.64 (bottom quartile).

Below is the key information for DSP TOP 100 Equity

DSP TOP 100 Equity Growth
Launch Date	10 Mar 03
NAV (26 Feb 26)	₹479.621 ↓ -0.37 (-0.08 %)
Net Assets (Cr)	₹7,163 on 31 Jan 26
Category	Equity - Large Cap
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.94
Sharpe Ratio	0.17
Information Ratio	0.64
Alpha Ratio	-1.18
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 Jan 21	₹10,000
31 Jan 22	₹12,004
31 Jan 23	₹12,170
31 Jan 24	₹15,679
31 Jan 25	₹18,517
31 Jan 26	₹19,861

DSP TOP 100 Equity SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for DSP 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	2.6%
3 Month	-0.6%
6 Month	1.9%
1 Year	11.4%
3 Year	18.4%
5 Year	13.5%
10 Year
15 Year
Since launch	18.4%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for DSP TOP 100 Equity

Name	Since	Tenure
Abhishek Singh	1 Jun 22	3.67 Yr.

Data below for DSP TOP 100 Equity as on 31 Jan 26

Equity Sector Allocation

Sector	Value
Financial Services	44.89%
Consumer Cyclical	10.18%
Health Care	8.5%
Technology	7.92%
Utility	7.42%
Consumer Defensive	5.58%
Energy	3.83%
Communication Services	1.61%
Basic Materials	1.02%
Industrials	0.77%

Asset Allocation

Asset Class	Value
Cash	8.29%
Equity	91.71%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 14 \| HDFCBANK	9%	₹677 Cr	7,283,795 ↑ 538,378
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jul 16 \| ICICIBANK	8%	₹596 Cr	4,401,409
Infosys Ltd (Technology) Equity, Since 30 Sep 19 \| INFY	7%	₹471 Cr	2,872,960 ↑ 86,613
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 21 \| AXISBANK	6%	₹446 Cr	3,257,465
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 28 Feb 22 \| M&M	6%	₹412 Cr	1,201,992
ITC Ltd (Consumer Defensive) Equity, Since 31 Mar 21 \| ITC	6%	₹400 Cr	12,408,865 ↑ 1,432,417
NTPC Ltd (Utilities) Equity, Since 30 Nov 23 \| NTPC	5%	₹357 Cr	10,021,653
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 May 24 \| KOTAKBANK	4%	₹310 Cr	7,592,385
State Bank of India (Financial Services) Equity, Since 30 Nov 22 \| SBIN	4%	₹294 Cr	2,732,969
Cipla Ltd (Healthcare) Equity, Since 30 Jun 20 \| CIPLA	4%	₹264 Cr	1,993,692 ↑ 99,620

5. Bandhan Large Cap Fund

(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

Bottom quartile AUM (₹1,980 Cr).
Established history (19+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 13.10% (bottom quartile).
3Y return: 18.14% (bottom quartile).
1Y return: 16.78% (top quartile).
Alpha: 0.90 (upper mid).
Sharpe: 0.35 (upper mid).
Information ratio: 0.69 (lower mid).

Below is the key information for Bandhan Large Cap Fund

Bandhan Large Cap Fund Growth
Launch Date	9 Jun 06
NAV (26 Feb 26)	₹79.013 ↑ 0.09 (0.11 %)
Net Assets (Cr)	₹1,980 on 31 Jan 26
Category	Equity - Large Cap
AMC	IDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	2.07
Sharpe Ratio	0.35
Information Ratio	0.69
Alpha Ratio	0.9
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 Jan 21	₹10,000
31 Jan 22	₹12,803
31 Jan 23	₹12,233
31 Jan 24	₹16,259
31 Jan 25	₹18,015
31 Jan 26	₹19,816

Bandhan Large Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for Bandhan 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	2.9%
3 Month	-0.8%
6 Month	1.6%
1 Year	16.8%
3 Year	18.1%
5 Year	13.1%
10 Year
15 Year
Since launch	11%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Bandhan Large Cap Fund

Name	Since	Tenure
Manish Gunwani	2 Dec 24	1.16 Yr.
Prateek Poddar	2 Dec 24	1.16 Yr.
Ritika Behera	7 Oct 23	2.32 Yr.
Gaurav Satra	7 Jun 24	1.65 Yr.

Data below for Bandhan Large Cap Fund as on 31 Jan 26

Equity Sector Allocation

Sector	Value
Financial Services	32.37%
Consumer Cyclical	14.12%
Technology	11.26%
Basic Materials	8.74%
Health Care	7.1%
Energy	6.3%
Industrials	6.12%
Consumer Defensive	4.82%
Utility	4.2%
Communication Services	3.14%
Real Estate	1.3%

Asset Allocation

Asset Class	Value
Cash	0.53%
Equity	99.47%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 07 \| HDFCBANK	9%	₹179 Cr	1,931,189 ↓ -15,076
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	7%	₹144 Cr	1,063,574 ↑ 48,343
Reliance Industries Ltd (Energy) Equity, Since 28 Feb 07 \| RELIANCE	6%	₹121 Cr	863,977 ↓ -140,960
Infosys Ltd (Technology) Equity, Since 31 Aug 11 \| INFY	5%	₹101 Cr	612,833 ↓ -20,859
State Bank of India (Financial Services) Equity, Since 31 Dec 24 \| SBIN	4%	₹77 Cr	713,977 ↑ 13,263
NTPC Ltd (Utilities) Equity, Since 31 Dec 24 \| NTPC	4%	₹76 Cr	2,140,308 ↓ -55,910
Axis Bank Ltd (Financial Services) Equity, Since 30 Nov 22 \| AXISBANK	4%	₹76 Cr	551,673 ↓ -67,863
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Jan 19 \| LT	3%	₹64 Cr	162,111 ↓ -3,898
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 24 \| BHARTIARTL	3%	₹62 Cr	315,769 ↑ 53,076
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Apr 24 \| M&M	3%	₹55 Cr	159,168 ↓ -10,832

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.