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Fincash » Mutual Funds » Benefits of Lump Sum Investing

Benefits of Lump Sum Investing in Mutual Funds

Updated on October 17, 2020 , 4446 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 2020

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 (%)2019 (%)
Axis Bluechip Fund Growth ₹32.04
↑ 0.25
₹17,270 5,000 7.318.729.410.618.6
Canara Robeco Bluechip Equity Fund Growth ₹28.45
↑ 0.15
₹788 5,000 7.922.89.28.810.115.7
BNP Paribas Large Cap Fund Growth ₹97.21
↑ 0.89
₹849 5,000 6.3211.75.77.417.2
Kotak Bluechip Fund Growth ₹252.608
↑ 1.61
₹1,678 5,000 8.928.15.45.57.514.2
Edelweiss Large Cap Fund Growth ₹37.57
↑ 0.31
₹193 1,000 8.524.72.95.4811.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Oct 20
*Above is list of best Lump Sum funds having AUM/Net Assets above 100 Crore. Sorted on Last 3 Year Return.

1. Axis Bluechip Fund

(Erstwhile Axis Equity Fund)

To achieve long term capital appreciation by investing in a diversified portfolio predominantly consisting of equity and equity related securities of Large Cap companies including derivatives. However, there can be no assurance that the investment objective of the Scheme will be achieved.

Axis Bluechip Fund is a Equity - Large Cap fund was launched on 5 Jan 10. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 11.4% since its launch.  Ranked 58 in Large Cap category.  Return for 2019 was 18.6% , 2018 was 6.5% and 2017 was 38% .

Below is the key information for Axis Bluechip Fund

Axis Bluechip Fund
Growth
Launch Date 5 Jan 10
NAV (19 Oct 20) ₹32.04 ↑ 0.25   (0.79 %)
Net Assets (Cr) ₹17,270 on 30 Sep 20
Category Equity - Large Cap
AMC Axis Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 1.86
Sharpe Ratio -0.15
Information Ratio 0.37
Alpha Ratio -2.99
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 15₹10,000
30 Sep 16₹10,831
30 Sep 17₹12,637
30 Sep 18₹14,140
30 Sep 19₹16,574
30 Sep 20₹16,361

Axis 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 Axis 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 19 Oct 20

DurationReturns
1 Month 2.5%
3 Month 7.3%
6 Month 18.7%
1 Year 2%
3 Year 9.4%
5 Year 10.6%
10 Year
15 Year
Since launch 11.4%
Historical performance (Yearly) on absolute basis
YearReturns
2019 18.6%
2018 6.5%
2017 38%
2016 -3.6%
2015 -1.2%
2014 40.8%
2013 13.5%
2012 31.7%
2011 -22.6%
2010
Fund Manager information for Axis Bluechip Fund
NameSinceTenure
Shreyash Devalkar23 Nov 163.85 Yr.

Data below for Axis Bluechip Fund as on 30 Sep 20

Equity Sector Allocation
SectorValue
Financial Services30.17%
Technology18.2%
Consumer Defensive13.01%
Health Care10.05%
Energy8.33%
Basic Materials7.03%
Consumer Cyclical5.06%
Communication Services2.94%
Asset Allocation
Asset ClassValue
Cash5.02%
Equity94.98%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Infosys Ltd (Technology)
Equity, Since 31 Dec 17 | INFY
10%₹1,694 Cr16,800,000
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 10 | HDFCBANK
10%₹1,660 Cr15,390,000
↑ 470,000
Reliance Industries Ltd (Energy)
Equity, Since 28 Feb 18 | RELIANCE
8%₹1,439 Cr6,440,000
↑ 320,000
Bajaj Finance Ltd (Financial Services)
Equity, Since 31 Jul 17 | 500034
7%₹1,274 Cr3,885,000
↑ 195,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 28 Feb 18 | TCS
7%₹1,249 Cr5,010,000
↑ 590,000
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Aug 11 | KOTAKBANK
6%₹951 Cr7,500,000
↓ -140,000
Avenue Supermarts Ltd (Consumer Defensive)
Equity, Since 31 Mar 17 | 540376
5%₹835 Cr3,790,000
↑ 69,216
Hindustan Unilever Ltd (Consumer Defensive)
Equity, Since 31 Jul 17 | 500696
4%₹740 Cr3,580,000
↑ 174,000
Nestle India Ltd (Consumer Defensive)
Equity, Since 30 Sep 18 | NESTLEIND
4%₹672 Cr422,000
↑ 11,000
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | ICICIBANK
3%₹582 Cr16,400,000
↓ -5,935,000

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 10.8% since its launch.  Ranked 52 in Large Cap category.  Return for 2019 was 15.7% , 2018 was 3.4% and 2017 was 31.4% .

Below is the key information for Canara Robeco Bluechip Equity Fund

Canara Robeco Bluechip Equity Fund
Growth
Launch Date 20 Aug 10
NAV (19 Oct 20) ₹28.45 ↑ 0.15   (0.53 %)
Net Assets (Cr) ₹788 on 30 Sep 20
Category Equity - Large Cap
AMC Canara Robeco Asset Management Co. Ltd.
Rating
Risk Moderately High
Expense Ratio 2.56
Sharpe Ratio 0.2
Information Ratio 0.72
Alpha Ratio 5.4
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
30 Sep 15₹10,000
30 Sep 16₹11,060
30 Sep 17₹12,554
30 Sep 18₹13,667
30 Sep 19₹14,979
30 Sep 20₹15,975

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 ₹395,578.
Net Profit of ₹95,578
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 19 Oct 20

DurationReturns
1 Month 2.2%
3 Month 7.9%
6 Month 22.8%
1 Year 9.2%
3 Year 8.8%
5 Year 10.1%
10 Year
15 Year
Since launch 10.8%
Historical performance (Yearly) on absolute basis
YearReturns
2019 15.7%
2018 3.4%
2017 31.4%
2016 1.9%
2015 -0.5%
2014 35.9%
2013 5%
2012 28.4%
2011 -12.8%
2010
Fund Manager information for Canara Robeco Bluechip Equity Fund
NameSinceTenure
Shridatta Bhandwaldar12 Jul 164.22 Yr.
Sanjay Bembalkar1 Oct 191 Yr.

Data below for Canara Robeco Bluechip Equity Fund as on 30 Sep 20

Equity Sector Allocation
SectorValue
Financial Services27.36%
Technology16.69%
Consumer Defensive10.07%
Energy9.72%
Health Care9.51%
Consumer Cyclical8.26%
Basic Materials5.22%
Industrials3.81%
Communication Services2.46%
Utility2.18%
Asset Allocation
Asset ClassValue
Cash4.72%
Equity95.28%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Reliance Industries Ltd (Energy)
Equity, Since 28 Feb 17 | RELIANCE
9%₹69 Cr310,750
↑ 26,000
Infosys Ltd (Technology)
Equity, Since 30 Sep 10 | INFY
8%₹66 Cr649,642
↑ 55,000
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Sep 10 | HDFCBANK
8%₹64 Cr594,700
↑ 65,000
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Nov 16 | ICICIBANK
5%₹42 Cr1,185,600
↑ 60,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Mar 18 | TCS
5%₹39 Cr156,050
↑ 10,000
Hindustan Unilever Ltd (Consumer Defensive)
Equity, Since 30 Apr 17 | 500696
4%₹30 Cr144,800
↑ 32,000
Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 31 Mar 12 | HDFC
4%₹28 Cr161,450
↑ 25,000
Bajaj Finance Ltd (Financial Services)
Equity, Since 31 Jul 19 | 500034
3%₹24 Cr72,700
↑ 8,000
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 30 Apr 15 | KOTAKBANK
3%₹24 Cr186,750
↑ 32,000
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 30 Apr 12 | MARUTI
3%₹20 Cr29,400
↑ 6,500

3. BNP Paribas Large Cap Fund

(Erstwhile BNP Paribas Equity Fund)

The investment objective of the Scheme is to generate long-term capital growth from a diversifi ed and actively managed portfolio of equity and equity related securities. The Scheme will invest in a range of companies, with a bias towards large & medium market capitalisation companies. However, there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

BNP Paribas Large Cap Fund is a Equity - Large Cap fund was launched on 23 Sep 04. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 15.2% since its launch.  Ranked 38 in Large Cap category.  Return for 2019 was 17.2% , 2018 was -4% and 2017 was 37% .

Below is the key information for BNP Paribas Large Cap Fund

BNP Paribas Large Cap Fund
Growth
Launch Date 23 Sep 04
NAV (19 Oct 20) ₹97.21 ↑ 0.89   (0.92 %)
Net Assets (Cr) ₹849 on 30 Sep 20
Category Equity - Large Cap
AMC BNP Paribas Asset Mgmt India Pvt. Ltd
Rating
Risk Moderately High
Expense Ratio 2.35
Sharpe Ratio -0.11
Information Ratio -0.19
Alpha Ratio -2.32
Min Investment 5,000
Min SIP Investment 300
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 15₹10,000
30 Sep 16₹10,624
30 Sep 17₹12,117
30 Sep 18₹12,327
30 Sep 19₹14,223
30 Sep 20₹14,027

BNP Paribas Large Cap Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹367,070.
Net Profit of ₹67,070
Invest Now

Returns for BNP Paribas 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 19 Oct 20

DurationReturns
1 Month 2.4%
3 Month 6.3%
6 Month 21%
1 Year 1.7%
3 Year 5.7%
5 Year 7.4%
10 Year
15 Year
Since launch 15.2%
Historical performance (Yearly) on absolute basis
YearReturns
2019 17.2%
2018 -4%
2017 37%
2016 -5.5%
2015 5.6%
2014 47.4%
2013 8.7%
2012 30.5%
2011 -17.8%
2010 18.1%
Fund Manager information for BNP Paribas Large Cap Fund
NameSinceTenure
Abhijeet Dey16 Nov 163.87 Yr.
Karthikraj Lakshmanan7 Oct 163.98 Yr.

Data below for BNP Paribas Large Cap Fund as on 30 Sep 20

Equity Sector Allocation
SectorValue
Financial Services31.65%
Technology16.08%
Consumer Defensive9.42%
Energy9.13%
Consumer Cyclical7.06%
Basic Materials6.88%
Health Care6.41%
Communication Services4.22%
Industrials3.28%
Utility0.91%
Asset Allocation
Asset ClassValue
Cash4.96%
Equity95.04%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Reliance Industries Ltd (Energy)
Equity, Since 30 Sep 17 | RELIANCE
9%₹78 Cr347,000
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 08 | HDFCBANK
9%₹77 Cr710,000
Infosys Ltd (Technology)
Equity, Since 31 Mar 09 | INFY
9%₹75 Cr740,000
↓ -20,000
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Jun 12 | ICICIBANK
7%₹57 Cr1,620,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Jun 18 | TCS
4%₹37 Cr150,000
↓ -10,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 29 Feb 08 | BHARTIARTL
4%₹36 Cr850,000
↑ 80,000
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 28 Feb 15 | KOTAKBANK
4%₹30 Cr240,000
Hindustan Unilever Ltd (Consumer Defensive)
Equity, Since 31 Dec 18 | 500696
3%₹26 Cr125,000
↑ 25,000
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Aug 14 | MARUTI
3%₹24 Cr35,000
Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | 532215
3%₹23 Cr550,000
↓ -150,000

4. 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 since its launch.  Ranked 32 in Large Cap category.  Return for 2019 was 14.2% , 2018 was -2.1% and 2017 was 29.2% .

Below is the key information for Kotak Bluechip Fund

Kotak Bluechip Fund
Growth
Launch Date 29 Dec 98
NAV (19 Oct 20) ₹252.608 ↑ 1.61   (0.64 %)
Net Assets (Cr) ₹1,678 on 30 Sep 20
Category Equity - Large Cap
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately High
Expense Ratio 2.08
Sharpe Ratio 0.08
Information Ratio -0.32
Alpha Ratio 3.1
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
30 Sep 15₹10,000
30 Sep 16₹10,967
30 Sep 17₹12,255
30 Sep 18₹12,981
30 Sep 19₹13,845
30 Sep 20₹14,197

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 ₹367,070.
Net Profit of ₹67,070
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 19 Oct 20

DurationReturns
1 Month 2.7%
3 Month 8.9%
6 Month 28.1%
1 Year 5.4%
3 Year 5.5%
5 Year 7.5%
10 Year
15 Year
Since launch
Historical performance (Yearly) on absolute basis
YearReturns
2019 14.2%
2018 -2.1%
2017 29.2%
2016 2.9%
2015 3.8%
2014 42.5%
2013 4.3%
2012 23.4%
2011 -18.5%
2010 16.3%
Fund Manager information for Kotak Bluechip Fund
NameSinceTenure
Harish Krishnan1 Jan 146.75 Yr.

Data below for Kotak Bluechip Fund as on 30 Sep 20

Equity Sector Allocation
SectorValue
Financial Services28.37%
Technology18.05%
Energy12.16%
Consumer Defensive8.75%
Consumer Cyclical8.04%
Basic Materials6.79%
Industrials6.19%
Health Care3.97%
Utility2.3%
Communication Services2.26%
Real Estate0.73%
Asset Allocation
Asset ClassValue
Cash1.97%
Equity98.03%
Debt0%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 06 | RELIANCE
11%₹181 Cr810,000
Infosys Ltd (Technology)
Equity, Since 31 Oct 04 | INFY
8%₹136 Cr1,350,000
↑ 50,000
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK
7%₹125 Cr1,160,000
↓ -8,300
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Aug 17 | TCS
7%₹110 Cr440,000
↑ 40,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK
6%₹103 Cr2,900,000
Hindustan Unilever Ltd (Consumer Defensive)
Equity, Since 30 Sep 19 | 500696
4%₹62 Cr300,000
↑ 40,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Mar 12 | LT
3%₹47 Cr525,000
↓ -20,500
Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 31 Aug 17 | HDFC
3%₹47 Cr270,000
↓ -10,000
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 28 Feb 19 | KOTAKBANK
3%₹44 Cr345,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 19 | BHARTIARTL
2%₹38 Cr900,000
↓ -138,100

5. Edelweiss Large Cap Fund

(Erstwhile Edelweiss Large Cap Advantage Fund)

The investment objective is to seek to generate long-term capital appreciation from a portfolio predominantly consisting equity and equity-related securities of the 100 largest corporate by market capitalisation listed in India. However, there is no assurance that the investment objective of the Scheme will be realized and the Scheme does not assure or guarantee any returns.

Edelweiss Large Cap Fund is a Equity - Large Cap fund was launched on 20 May 09. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 12.3% since its launch.  Ranked 66 in Large Cap category.  Return for 2019 was 11.5% , 2018 was 1.7% and 2017 was 33.8% .

Below is the key information for Edelweiss Large Cap Fund

Edelweiss Large Cap Fund
Growth
Launch Date 20 May 09
NAV (19 Oct 20) ₹37.57 ↑ 0.31   (0.83 %)
Net Assets (Cr) ₹193 on 30 Sep 20
Category Equity - Large Cap
AMC Edelweiss Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 1.89
Sharpe Ratio 0
Information Ratio -0.2
Alpha Ratio 0.5
Min Investment 1,000
Min SIP Investment 500
Exit Load 0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 15₹10,000
30 Sep 16₹10,827
30 Sep 17₹12,198
30 Sep 18₹13,525
30 Sep 19₹14,316
30 Sep 20₹14,293

Edelweiss Large Cap Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹376,357.
Net Profit of ₹76,357
Invest Now

Returns for Edelweiss 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 19 Oct 20

DurationReturns
1 Month 1.9%
3 Month 8.5%
6 Month 24.7%
1 Year 2.9%
3 Year 5.4%
5 Year 8%
10 Year
15 Year
Since launch 12.3%
Historical performance (Yearly) on absolute basis
YearReturns
2019 11.5%
2018 1.7%
2017 33.8%
2016 0.4%
2015 0.8%
2014 37.7%
2013 11.1%
2012 29.8%
2011 -18.6%
2010 16%
Fund Manager information for Edelweiss Large Cap Fund
NameSinceTenure
Bharat Lahoti2 May 173.42 Yr.
Hardik Varma11 Nov 190.89 Yr.

Data below for Edelweiss Large Cap Fund as on 30 Sep 20

Equity Sector Allocation
SectorValue
Technology18.21%
Financial Services18.12%
Health Care9.65%
Consumer Defensive9.25%
Basic Materials6.11%
Consumer Cyclical3.92%
Communication Services3.68%
Energy3.46%
Industrials3.03%
Utility2.74%
Asset Allocation
Asset ClassValue
Cash2.34%
Equity96.62%
Debt1.04%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Infosys Ltd (Technology)
Equity, Since 30 Nov 10 | INFY
8%₹16 Cr154,520
↑ 43,006
Future on HDFC Bank Ltd
Derivatives, Since 30 Sep 20 | -
7%₹13 Cr123,200
↓ -8,800
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jan 18 | ICICIBANK
5%₹11 Cr296,776
↓ -42,977
HCL Technologies Ltd (Technology)
Equity, Since 31 May 18 | HCLTECH
4%₹8 Cr99,505
↑ 7,713
Reliance Industries Ltd.
Equity, Since 30 Jun 20 | -
4%₹8 Cr55,901
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Mar 20 | BHARTIARTL
3%₹7 Cr158,991
↑ 22,846
Nifty 29/10/2020
- | -
3%₹7 Cr5,850
↑ 5,850
Tata Consultancy Services Ltd (Technology)
Equity, Since 28 Feb 15 | TCS
3%₹6 Cr23,246
↑ 3,552
Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 30 Sep 18 | HDFC
3%₹6 Cr31,967
↓ -2,515
Future on Kotak Mahindra Bank Ltd
Derivatives, Since 30 Sep 20 | -
3%₹5 Cr42,800

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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