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Fincash » Mutual Funds » Benefits of Lump Sum Investing

Benefits of Lump Sum Investing in Mutual Funds

Updated on January 30, 2023 , 9986 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 2023

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 (%)2022 (%)
ICICI Prudential Bluechip Fund Growth ₹68.24
↓ -0.27
₹35,049 5,000 -2.23.82.215.810.46.9
Nippon India Large Cap Fund Growth ₹54.3943
↑ 0.08
₹12,612 5,000 -24.36.415.59.711.3
IDBI India Top 100 Equity Fund Growth ₹39.38
↓ -0.11
₹614 5,000 -4.20.5-1.315.19.72.9
HDFC Top 100 Fund Growth ₹740.708
↓ -2.32
₹22,703 5,000 -1.34.55.315.19.110.6
SBI Bluechip Fund Growth ₹62.8009
↑ 0.07
₹34,622 5,000 -22.92.614.79.84.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Feb 23
*Above is list of best Lump Sum funds having AUM/Net Assets above 100 Crore. Sorted on Last 3 Year Return.

1. 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% since its launch.  Ranked 21 in Large Cap category.  Return for 2022 was 6.9% , 2021 was 29.2% and 2020 was 13.5% .

Below is the key information for ICICI Prudential Bluechip Fund

ICICI Prudential Bluechip Fund
Growth
Launch Date 23 May 08
NAV (01 Feb 23) ₹68.24 ↓ -0.27   (-0.39 %)
Net Assets (Cr) ₹35,049 on 31 Dec 22
Category Equity - Large Cap
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 1.72
Sharpe Ratio 0.19
Information Ratio 0.19
Alpha Ratio 1.73
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 Jan 18₹10,000
31 Jan 19₹9,514
31 Jan 20₹10,527
31 Jan 21₹11,963
31 Jan 22₹15,791
31 Jan 23₹16,402

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 ₹395,578.
Net Profit of ₹95,578
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 1 Feb 23

DurationReturns
1 Month -2.1%
3 Month -2.2%
6 Month 3.8%
1 Year 2.2%
3 Year 15.8%
5 Year 10.4%
10 Year
15 Year
Since launch 14%
Historical performance (Yearly) on absolute basis
YearReturns
2022 6.9%
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%
Fund Manager information for ICICI Prudential Bluechip Fund
NameSinceTenure
Anish Tawakley5 Sep 184.33 Yr.
Vaibhav Dusad18 Jan 211.95 Yr.
Sharmila D’mello31 Jul 220.42 Yr.

Data below for ICICI Prudential Bluechip Fund as on 31 Dec 22

Equity Sector Allocation
SectorValue
Financial Services32.86%
Technology11.66%
Energy10.59%
Industrials8.12%
Consumer Cyclical7.87%
Consumer Defensive5.66%
Basic Materials5.13%
Health Care5.01%
Communication Services4.17%
Utility1.67%
Real Estate0.32%
Asset Allocation
Asset ClassValue
Cash6.92%
Equity93.08%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Jun 08 | ICICIBANK
9%₹3,303 Cr37,081,597
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK
8%₹2,942 Cr18,067,127
Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 08 | RELIANCE
8%₹2,847 Cr11,176,768
↑ 341,700
Infosys Ltd (Technology)
Equity, Since 30 Nov 10 | INFY
7%₹2,375 Cr15,748,891
↓ -111,064
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Jan 12 | LT
7%₹2,354 Cr11,287,707
Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 14 | AXISBANK
6%₹2,049 Cr21,943,716
↓ -189,500
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Aug 09 | BHARTIARTL
4%₹1,275 Cr15,819,593
↓ -215,000
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 30 Apr 16 | MARUTI
3%₹1,117 Cr1,331,033
↑ 245,317
SBI Life Insurance Company Limited (Financial Services)
Equity, Since 30 Apr 18 | SBILIFE
3%₹998 Cr8,105,786
↓ -622,564
UltraTech Cement Ltd (Basic Materials)
Equity, Since 30 Sep 17 | 532538
3%₹987 Cr1,418,576

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 11.6% since its launch.  Ranked 20 in Large Cap category.  Return for 2022 was 11.3% , 2021 was 32.4% and 2020 was 4.9% .

Below is the key information for Nippon India Large Cap Fund

Nippon India Large Cap Fund
Growth
Launch Date 8 Aug 07
NAV (01 Feb 23) ₹54.3943 ↑ 0.08   (0.15 %)
Net Assets (Cr) ₹12,612 on 31 Dec 22
Category Equity - Large Cap
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderately High
Expense Ratio 1.88
Sharpe Ratio 0.44
Information Ratio -0.09
Alpha Ratio 4.97
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 Jan 18₹10,000
31 Jan 19₹9,665
31 Jan 20₹10,351
31 Jan 21₹10,886
31 Jan 22₹14,806
31 Jan 23₹15,906

Nippon India 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 ₹385,859.
Net Profit of ₹85,859
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 1 Feb 23

DurationReturns
1 Month -1.4%
3 Month -2%
6 Month 4.3%
1 Year 6.4%
3 Year 15.5%
5 Year 9.7%
10 Year
15 Year
Since launch 11.6%
Historical performance (Yearly) on absolute basis
YearReturns
2022 11.3%
2021 32.4%
2020 4.9%
2019 7.3%
2018 -0.2%
2017 38.4%
2016 2.2%
2015 1.1%
2014 54.6%
2013 4.2%
Fund Manager information for Nippon India Large Cap Fund
NameSinceTenure
Sailesh Raj Bhan8 Aug 0715.41 Yr.
Ashutosh Bhargava1 Sep 211.33 Yr.
Kinjal Desai25 May 184.61 Yr.
Akshay Sharma1 Dec 220.08 Yr.

Data below for Nippon India Large Cap Fund as on 31 Dec 22

Equity Sector Allocation
SectorValue
Financial Services36.52%
Consumer Cyclical12.74%
Industrials12%
Technology9.18%
Consumer Defensive8.66%
Energy8.34%
Health Care3.95%
Basic Materials2.43%
Utility2.07%
Communication Services1.14%
Asset Allocation
Asset ClassValue
Cash2.97%
Equity97.03%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 30 Nov 19 | HDFC
7%₹844 Cr3,200,315
↓ -600,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Aug 19 | RELIANCE
7%₹841 Cr3,300,000
↑ 300,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Sep 07 | LT
7%₹834 Cr4,000,000
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 08 | HDFCBANK
6%₹737 Cr4,524,000
State Bank of India (Financial Services)
Equity, Since 31 Oct 10 | SBIN
6%₹736 Cr12,000,644
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK
5%₹668 Cr7,500,000
ITC Ltd (Consumer Defensive)
Equity, Since 31 Jan 16 | ITC
5%₹580 Cr17,500,000
↓ -1,000,000
Infosys Ltd (Technology)
Equity, Since 30 Sep 07 | INFY
4%₹543 Cr3,600,084
Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 15 | AXISBANK
4%₹514 Cr5,500,080
HCL Technologies Ltd (Technology)
Equity, Since 31 Aug 19 | HCLTECH
4%₹457 Cr4,400,927

3. 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 13.6% since its launch.  Ranked 45 in Large Cap category.  Return for 2022 was 2.9% , 2021 was 31.2% and 2020 was 16.4% .

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 (01 Feb 23) ₹39.38 ↓ -0.11   (-0.28 %)
Net Assets (Cr) ₹614 on 31 Dec 22
Category Equity - Large Cap
AMC IDBI Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 2.47
Sharpe Ratio -0.05
Information Ratio 0.23
Alpha Ratio -1.88
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 Jan 18₹10,000
31 Jan 19₹9,036
31 Jan 20₹10,403
31 Jan 21₹11,839
31 Jan 22₹15,851
31 Jan 23₹15,923

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 ₹385,859.
Net Profit of ₹85,859
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 1 Feb 23

DurationReturns
1 Month -3%
3 Month -4.2%
6 Month 0.5%
1 Year -1.3%
3 Year 15.1%
5 Year 9.7%
10 Year
15 Year
Since launch 13.6%
Historical performance (Yearly) on absolute basis
YearReturns
2022 2.9%
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%
Fund Manager information for IDBI India Top 100 Equity Fund
NameSinceTenure
Alok Ranjan16 Aug 211.38 Yr.

Data below for IDBI India Top 100 Equity Fund as on 31 Dec 22

Equity Sector Allocation
SectorValue
Financial Services38.47%
Consumer Cyclical11.95%
Technology11.93%
Basic Materials9.58%
Industrials7.3%
Energy6.88%
Consumer Defensive4.35%
Health Care4%
Real Estate2.39%
Communication Services1.26%
Asset Allocation
Asset ClassValue
Cash1.88%
Equity98.12%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 16 | HDFCBANK
8%₹50 Cr307,182
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 16 | ICICIBANK
7%₹45 Cr509,292
Reliance Industries Ltd (Energy)
Equity, Since 30 Sep 18 | RELIANCE
7%₹42 Cr165,794
State Bank of India (Financial Services)
Equity, Since 30 Nov 20 | SBIN
6%₹35 Cr566,957
Infosys Ltd (Technology)
Equity, Since 31 Mar 18 | INFY
5%₹32 Cr209,877
Axis Bank Ltd (Financial Services)
Equity, Since 31 Jul 19 | AXISBANK
5%₹31 Cr326,703
Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 30 Jun 12 | HDFC
4%₹27 Cr102,448
Tata Consultancy Services Ltd (Technology)
Equity, Since 28 Feb 19 | TCS
3%₹17 Cr53,247
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Jul 17 | LT
3%₹16 Cr77,348
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 28 Feb 19 | KOTAKBANK
2%₹15 Cr81,223

4. HDFC Top 100 Fund

(Erstwhile HDFC Top 200)

To generate long term capital appreciation from a portfolio of equity and equity linked instruments. The investment portfolio for equity and equity linked instruments will be primarily drawn from the companies in the BSE 200 Index. Further, the Scheme may also invest in listed companies that would qualify to be in the top 200 by market capitalisation on the BSE even though they may not be listed on the BSE. This includes participation in large Ipos where in the market capitalisation of the company based on issue price would make the company a part of the top 200 companies listed on the BSE based on market capitalisation.

HDFC Top 100 Fund is a Equity - Large Cap fund was launched on 11 Oct 96. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 18.7% since its launch.  Ranked 43 in Large Cap category.  Return for 2022 was 10.6% , 2021 was 28.5% and 2020 was 5.9% .

Below is the key information for HDFC Top 100 Fund

HDFC Top 100 Fund
Growth
Launch Date 11 Oct 96
NAV (01 Feb 23) ₹740.708 ↓ -2.32   (-0.31 %)
Net Assets (Cr) ₹22,703 on 31 Dec 22
Category Equity - Large Cap
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 1.79
Sharpe Ratio 0.42
Information Ratio -0.16
Alpha Ratio 5.3
Min Investment 5,000
Min SIP Investment 300
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jan 18₹10,000
31 Jan 19₹9,671
31 Jan 20₹10,092
31 Jan 21₹10,983
31 Jan 22₹14,465
31 Jan 23₹15,419

HDFC Top 100 Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859
Invest Now

Returns for HDFC Top 100 Fund

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

DurationReturns
1 Month -1.7%
3 Month -1.3%
6 Month 4.5%
1 Year 5.3%
3 Year 15.1%
5 Year 9.1%
10 Year
15 Year
Since launch 18.7%
Historical performance (Yearly) on absolute basis
YearReturns
2022 10.6%
2021 28.5%
2020 5.9%
2019 7.7%
2018 0.1%
2017 32%
2016 8.5%
2015 -6.1%
2014 46.5%
2013 4%
Fund Manager information for HDFC Top 100 Fund
NameSinceTenure
Rahul Baijal29 Jul 220.43 Yr.
Priya Ranjan1 May 220.67 Yr.

Data below for HDFC Top 100 Fund as on 31 Dec 22

Equity Sector Allocation
SectorValue
Financial Services39.48%
Energy12.52%
Technology10.9%
Consumer Defensive6.67%
Industrials6.17%
Health Care4.84%
Utility4.01%
Consumer Cyclical3.81%
Communication Services3.35%
Basic Materials2.78%
Asset Allocation
Asset ClassValue
Cash5.47%
Equity94.53%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 10 | HDFCBANK
9%₹1,993 Cr12,237,961
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 05 | ICICIBANK
9%₹1,985 Cr22,277,522
Reliance Industries Ltd (Energy)
Equity, Since 31 Mar 06 | RELIANCE
7%₹1,540 Cr6,046,781
Infosys Ltd (Technology)
Equity, Since 31 Aug 04 | INFY
6%₹1,375 Cr9,119,648
Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 30 Jun 08 | HDFC
6%₹1,249 Cr4,734,142
ITC Ltd (Consumer Defensive)
Equity, Since 31 Jan 03 | ITC
5%₹1,038 Cr31,318,755
State Bank of India (Financial Services)
Equity, Since 31 Jan 03 | SBIN
4%₹1,007 Cr16,412,380
NTPC Ltd (Utilities)
Equity, Since 30 Jun 15 | NTPC
4%₹910 Cr54,669,743
Axis Bank Ltd (Financial Services)
Equity, Since 31 Jan 07 | AXISBANK
4%₹883 Cr9,452,714
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Aug 06 | LT
4%₹877 Cr4,203,556

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 11.4% since its launch.  Ranked 9 in Large Cap category.  Return for 2022 was 4.4% , 2021 was 26.1% and 2020 was 16.3% .

Below is the key information for SBI Bluechip Fund

SBI Bluechip Fund
Growth
Launch Date 14 Feb 06
NAV (01 Feb 23) ₹62.8009 ↑ 0.07   (0.12 %)
Net Assets (Cr) ₹34,622 on 31 Dec 22
Category Equity - Large Cap
AMC SBI Funds Management Private Limited
Rating
Risk Moderately High
Expense Ratio 1.73
Sharpe Ratio 0.02
Information Ratio -0.27
Alpha Ratio -1.58
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 Jan 18₹10,000
31 Jan 19₹9,250
31 Jan 20₹10,620
31 Jan 21₹12,074
31 Jan 22₹15,385
31 Jan 23₹15,989

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 ₹385,859.
Net Profit of ₹85,859
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 1 Feb 23

DurationReturns
1 Month -1.3%
3 Month -2%
6 Month 2.9%
1 Year 2.6%
3 Year 14.7%
5 Year 9.8%
10 Year
15 Year
Since launch 11.4%
Historical performance (Yearly) on absolute basis
YearReturns
2022 4.4%
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%
Fund Manager information for SBI Bluechip Fund
NameSinceTenure
Sohini Andani1 Sep 1012.34 Yr.
Mohit Jain30 Nov 175.09 Yr.

Data below for SBI Bluechip Fund as on 31 Dec 22

Equity Sector Allocation
SectorValue
Financial Services33.9%
Consumer Cyclical13.8%
Industrials8.92%
Consumer Defensive7.58%
Technology7.02%
Health Care6.89%
Energy6.01%
Basic Materials5.51%
Real Estate2.07%
Communication Services2.03%
Asset Allocation
Asset ClassValue
Cash6.01%
Equity93.99%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 09 | HDFCBANK
9%₹3,175 Cr19,500,000
↑ 243,066
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 06 | ICICIBANK
8%₹2,712 Cr30,443,104
Infosys Ltd (Technology)
Equity, Since 30 Nov 17 | INFY
5%₹1,634 Cr10,835,178
↓ -300,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Mar 15 | RELIANCE
5%₹1,597 Cr6,270,915
Larsen & Toubro Ltd (Industrials)
Equity, Since 28 Feb 09 | LT
5%₹1,577 Cr7,562,209
ITC Ltd (Consumer Defensive)
Equity, Since 29 Feb 12 | ITC
5%₹1,558 Cr47,000,000
↑ 3,000,000
State Bank of India (Financial Services)
Equity, Since 28 Feb 14 | SBIN
4%₹1,249 Cr20,349,243
↑ 2,000,000
Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 30 Nov 15 | HDFC
4%₹1,240 Cr4,700,000
↓ -300,000
Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | AXISBANK
3%₹1,005 Cr10,761,751
Divi's Laboratories Ltd (Healthcare)
Equity, Since 31 Mar 12 | DIVISLAB
3%₹938 Cr2,748,463

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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