5 Best Performing Lump sum Investments 2026 - 2027

Updated on April 17, 2026 , 156148 views

Most of us have faced this situation — money sitting idle in a Savings Account or a Fixed Deposit that has just matured. The question is, what should you do with it? Should you invest it all at once in a mutual fund, or break it down into smaller SIPs? While SIPs spread investments over time, lump sum Investing gives your money the chance to start compounding immediately. Each approach has its pros and cons, but choosing wisely can make a big difference to your wealth.

In this article, we’ll look at a 2025-ready analysis of the best performing lump sum Mutual Funds in India, their returns, suitability, and smart strategies to maximise your investment.

What is Lump Sum Investment in Mutual Funds?

A lump sum investment means investing a one-time large amount into a mutual fund scheme, instead of monthly contributions like SIPs.

Example: If you invest ₹5,00,000 today in an equity mutual fund, that’s a lump sum investment. In contrast, SIP would break it into smaller monthly amounts (e.g., ₹10,000/month).

Key Difference (Lump Sum vs SIP):

Lump Sum: Best when markets are undervalued or you have idle capital to deploy immediately.
SIP: Best when markets are volatile, as it averages out your cost.

Why Choose Lump Sum Investments?

Lump sum investing is suitable for:

Windfall gains (bonus, inheritance, sale of property).
Long-term investors (7+ years horizon in equity).
Falling market opportunities (investing when markets dip significantly).

Advantages:

Immediate exposure to compounding.
Better returns in strong bull markets.
Ideal for investors with higher risk appetite.

Risks:

Higher short-term Volatility.
Poor timing may affect returns.
Requires patience and long-term outlook.

Best Performing Lump Sum Mutual Funds in India 2026

Below are the top ranked funds from equity category like large-, mid-, small-, multi-cap funds, ELSS and sectoral funds.

Fund Selection Methodology used to find 9 funds

AUM Range: 15 to 10000 Cr
Keyword: “mutualfunds”
No Of Funds: 5

Top 5 Lump sum Large Cap Equity Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
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	₹89.9421 ↑ 0.14	₹46,521	5,000	-2.5	-3.9	6.2	17.8	17.6	9.2
Invesco India Largecap Fund Growth	₹68.83 ↑ 0.11	₹1,537	5,000	-2.1	-4.3	6.1	17.2	14.5	5.5
ICICI Prudential Bluechip Fund Growth	₹109.02 ↑ 0.02	₹69,948	5,000	-3.9	-3.9	4.4	16.8	15.4	11.3
DSP TOP 100 Equity Growth	₹457.662 ↓ -1.18	₹6,620	1,000	-4.6	-4.8	0.4	16.2	12.6	8.4
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	Invesco India Largecap Fund	ICICI Prudential Bluechip Fund	DSP TOP 100 Equity
Point 1	Bottom quartile AUM (₹655 Cr).	Upper mid AUM (₹46,521 Cr).	Bottom quartile AUM (₹1,537 Cr).	Highest AUM (₹69,948 Cr).	Lower mid AUM (₹6,620 Cr).
Point 2	Established history (13+ yrs).	Established history (18+ yrs).	Established history (16+ yrs).	Established history (17+ yrs).	Oldest track record among peers (23 yrs).
Point 3	Rating: 3★ (lower mid).	Top rated.	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).	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: 17.64% (top quartile).	5Y return: 14.47% (lower mid).	5Y return: 15.41% (upper mid).	5Y return: 12.59% (bottom quartile).
Point 6	3Y return: 21.88% (top quartile).	3Y return: 17.76% (upper mid).	3Y return: 17.23% (lower mid).	3Y return: 16.76% (bottom quartile).	3Y return: 16.22% (bottom quartile).
Point 7	1Y return: 15.39% (top quartile).	1Y return: 6.22% (upper mid).	1Y return: 6.13% (lower mid).	1Y return: 4.45% (bottom quartile).	1Y return: 0.44% (bottom quartile).
Point 8	Alpha: 2.11 (top quartile).	Alpha: 0.82 (lower mid).	Alpha: 0.93 (upper mid).	Alpha: 0.19 (bottom quartile).	Alpha: -3.18 (bottom quartile).
Point 9	Sharpe: 1.09 (top quartile).	Sharpe: -0.49 (upper mid).	Sharpe: -0.50 (lower mid).	Sharpe: -0.55 (bottom quartile).	Sharpe: -0.78 (bottom quartile).
Point 10	Information ratio: 0.14 (bottom quartile).	Information ratio: 1.17 (top quartile).	Information ratio: 0.54 (bottom quartile).	Information ratio: 1.02 (upper mid).	Information ratio: 0.75 (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% (top quartile).
Alpha: 2.11 (top quartile).
Sharpe: 1.09 (top quartile).
Information ratio: 0.14 (bottom quartile).

Nippon India Large Cap Fund

Upper mid AUM (₹46,521 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 17.64% (top quartile).
3Y return: 17.76% (upper mid).
1Y return: 6.22% (upper mid).
Alpha: 0.82 (lower mid).
Sharpe: -0.49 (upper mid).
Information ratio: 1.17 (top quartile).

Invesco India Largecap Fund

Bottom quartile AUM (₹1,537 Cr).
Established history (16+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 14.47% (lower mid).
3Y return: 17.23% (lower mid).
1Y return: 6.13% (lower mid).
Alpha: 0.93 (upper mid).
Sharpe: -0.50 (lower mid).
Information ratio: 0.54 (bottom quartile).

ICICI Prudential Bluechip Fund

Highest AUM (₹69,948 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 15.41% (upper mid).
3Y return: 16.76% (bottom quartile).
1Y return: 4.45% (bottom quartile).
Alpha: 0.19 (bottom quartile).
Sharpe: -0.55 (bottom quartile).
Information ratio: 1.02 (upper mid).

DSP TOP 100 Equity

Lower mid AUM (₹6,620 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 12.59% (bottom quartile).
3Y return: 16.22% (bottom quartile).
1Y return: 0.44% (bottom quartile).
Alpha: -3.18 (bottom quartile).
Sharpe: -0.78 (bottom quartile).
Information ratio: 0.75 (lower mid).

About the Fincash Research Team

At Fincash, our mission is to help investors make informed, confident decisions. With over 10 years in Mutual Fund distribution, our team blends deep industry expertise with a commitment to transparency, accuracy, and investor education.

Who We Are

AMFI Registration No.: 112358
MCA CIN: U74999MH2016PTC282153
Location: Thane, Maharashtra, India
Experience: 10+ years in Mutual Fund distribution

Our Expertise

Certified Mutual Fund Distributors with hands-on advisory experience.
Market analysts tracking performance, macro trends, and sectors.
Data specialists processing NAVs, allocations, and risk metrics from Morning Star.

Our Research Process

Data sourcing: SEBI-registered fund houses & verified third-party provider Morning Star
Screening: Returns, manager track record, expenses, sector mix, risk-adjusted metrics.
Expert review: Senior team members review every article and list for accuracy.
Updates: Regular refreshes so performance data reflects current market conditions.

Why Trust Us

Regulated & compliant: AMFI-registered and MCA-incorporated.
Investor-first: No pay-to-promote lists; suitability and performance drive coverage.
Education-focused: We simplify complex concepts for everyday investors.

Disclaimer

Content is for educational and informational purposes only and is not investment advice. Please consider your risk profile and consult a financial advisor before investing.

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Top 5 Lump sum Mid Cap Equity Mutual Funds

No Funds available.

Top 5 Lump sum Small Cap Mutual Funds

No Funds available.

Top 5 Lump sum Diversified/Multi Cap Equity Mutual Fund

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
IDBI Diversified Equity Fund Growth	₹37.99 ↑ 0.14	₹382	5,000	10.2	13.2	13.5	22.7	12
Aditya Birla Sun Life Manufacturing Equity Fund Growth	₹34.78 ↓ -0.01	₹1,016	1,000	6.7	5.2	20.6	22.5	15.3	3.5
Mahindra Badhat Yojana Growth	₹36.1605 ↓ 0.00	₹5,661	1,000	0.3	1.1	11	21.3	18.5	3.4
Nippon India Multi Cap Fund Growth	₹296.611 ↑ 0.64	₹46,321	5,000	1.4	-2.6	8.4	21.3	21.7	4.1
Motilal Oswal Multicap 35 Fund Growth	₹56.6616 ↓ -0.03	₹11,679	5,000	-5.1	-9.9	0.6	21.1	12.6	-5.6
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 Diversified Equity Fund	Aditya Birla Sun Life Manufacturing Equity Fund	Mahindra Badhat Yojana	Nippon India Multi Cap Fund	Motilal Oswal Multicap 35 Fund
Point 1	Bottom quartile AUM (₹382 Cr).	Bottom quartile AUM (₹1,016 Cr).	Lower mid AUM (₹5,661 Cr).	Highest AUM (₹46,321 Cr).	Upper mid AUM (₹11,679 Cr).
Point 2	Established history (12+ yrs).	Established history (11+ yrs).	Established history (8+ yrs).	Oldest track record among peers (21 yrs).	Established history (11+ yrs).
Point 3	Rating: 2★ (upper mid).	Not Rated.	Not Rated.	Rating: 2★ (lower mid).	Top rated.
Point 4	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 12.03% (bottom quartile).	5Y return: 15.26% (lower mid).	5Y return: 18.49% (upper mid).	5Y return: 21.68% (top quartile).	5Y return: 12.62% (bottom quartile).
Point 6	3Y return: 22.73% (top quartile).	3Y return: 22.51% (upper mid).	3Y return: 21.35% (lower mid).	3Y return: 21.29% (bottom quartile).	3Y return: 21.10% (bottom quartile).
Point 7	1Y return: 13.54% (upper mid).	1Y return: 20.63% (top quartile).	1Y return: 11.04% (lower mid).	1Y return: 8.37% (bottom quartile).	1Y return: 0.63% (bottom quartile).
Point 8	Alpha: -1.07 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: 2.90 (top quartile).	Alpha: 0.48 (upper mid).	Alpha: -8.96 (bottom quartile).
Point 9	Sharpe: 1.01 (top quartile).	Sharpe: 0.06 (upper mid).	Sharpe: -0.24 (lower mid).	Sharpe: -0.40 (bottom quartile).	Sharpe: -1.03 (bottom quartile).
Point 10	Information ratio: -0.53 (bottom quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.38 (lower mid).	Information ratio: 0.49 (upper mid).	Information ratio: 0.51 (top quartile).

IDBI Diversified Equity Fund

Bottom quartile AUM (₹382 Cr).
Established history (12+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 12.03% (bottom quartile).
3Y return: 22.73% (top quartile).
1Y return: 13.54% (upper mid).
Alpha: -1.07 (bottom quartile).
Sharpe: 1.01 (top quartile).
Information ratio: -0.53 (bottom quartile).

Aditya Birla Sun Life Manufacturing Equity Fund

Bottom quartile AUM (₹1,016 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: High.
5Y return: 15.26% (lower mid).
3Y return: 22.51% (upper mid).
1Y return: 20.63% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.06 (upper mid).
Information ratio: 0.00 (bottom quartile).

Mahindra Badhat Yojana

Lower mid AUM (₹5,661 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 18.49% (upper mid).
3Y return: 21.35% (lower mid).
1Y return: 11.04% (lower mid).
Alpha: 2.90 (top quartile).
Sharpe: -0.24 (lower mid).
Information ratio: 0.38 (lower mid).

Nippon India Multi Cap Fund

Highest AUM (₹46,321 Cr).
Oldest track record among peers (21 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 21.68% (top quartile).
3Y return: 21.29% (bottom quartile).
1Y return: 8.37% (bottom quartile).
Alpha: 0.48 (upper mid).
Sharpe: -0.40 (bottom quartile).
Information ratio: 0.49 (upper mid).

Motilal Oswal Multicap 35 Fund

Upper mid AUM (₹11,679 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 12.62% (bottom quartile).
3Y return: 21.10% (bottom quartile).
1Y return: 0.63% (bottom quartile).
Alpha: -8.96 (bottom quartile).
Sharpe: -1.03 (bottom quartile).
Information ratio: 0.51 (top quartile).

Top 5 Lump sum (ELSS) Equity Linked Saving Scheme

No Funds available.

Top 5 Lump sum Sector Equity Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
SBI PSU Fund Growth	₹36.3966 ↑ 0.13	₹5,891	5,000	6.1	10.7	18.5	32.7	28.1	11.3
Invesco India PSU Equity Fund Growth	₹68.91 ↑ 0.17	₹1,335	5,000	2.4	6.2	16.8	30.5	26.5	10.3
LIC MF Infrastructure Fund Growth	₹51.395 ↑ 0.04	₹905	5,000	7.3	2.6	17.9	29.4	24.8	-3.7
DSP India T.I.G.E.R Fund Growth	₹339.288 ↑ 0.24	₹4,979	1,000	9.4	7.3	17.7	27.4	25.3	-2.5
Nippon India Power and Infra Fund Growth	₹373.187 ↑ 3.27	₹6,534	5,000	10.4	5.2	14.6	27.4	25.3	-0.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Apr 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	SBI PSU Fund	Invesco India PSU Equity Fund	LIC MF Infrastructure Fund	DSP India T.I.G.E.R Fund	Nippon India Power and Infra Fund
Point 1	Upper mid AUM (₹5,891 Cr).	Bottom quartile AUM (₹1,335 Cr).	Bottom quartile AUM (₹905 Cr).	Lower mid AUM (₹4,979 Cr).	Highest AUM (₹6,534 Cr).
Point 2	Established history (15+ yrs).	Established history (16+ yrs).	Established history (18+ yrs).	Oldest track record among peers (21 yrs).	Established history (21+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Not Rated.	Top rated.	Rating: 4★ (upper mid).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 28.14% (top quartile).	5Y return: 26.52% (upper mid).	5Y return: 24.76% (bottom quartile).	5Y return: 25.31% (bottom quartile).	5Y return: 25.34% (lower mid).
Point 6	3Y return: 32.67% (top quartile).	3Y return: 30.49% (upper mid).	3Y return: 29.37% (lower mid).	3Y return: 27.39% (bottom quartile).	3Y return: 27.36% (bottom quartile).
Point 7	1Y return: 18.46% (top quartile).	1Y return: 16.77% (bottom quartile).	1Y return: 17.90% (upper mid).	1Y return: 17.69% (lower mid).	1Y return: 14.60% (bottom quartile).
Point 8	Alpha: -1.15 (bottom quartile).	Alpha: -6.00 (bottom quartile).	Alpha: 2.02 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: -0.88 (lower mid).
Point 9	Sharpe: 0.27 (top quartile).	Sharpe: 0.01 (upper mid).	Sharpe: -0.01 (lower mid).	Sharpe: -0.01 (bottom quartile).	Sharpe: -0.19 (bottom quartile).
Point 10	Information ratio: -0.31 (bottom quartile).	Information ratio: -0.79 (bottom quartile).	Information ratio: 0.34 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.38 (top quartile).

SBI PSU Fund

Upper mid AUM (₹5,891 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 28.14% (top quartile).
3Y return: 32.67% (top quartile).
1Y return: 18.46% (top quartile).
Alpha: -1.15 (bottom quartile).
Sharpe: 0.27 (top quartile).
Information ratio: -0.31 (bottom quartile).

Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,335 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 26.52% (upper mid).
3Y return: 30.49% (upper mid).
1Y return: 16.77% (bottom quartile).
Alpha: -6.00 (bottom quartile).
Sharpe: 0.01 (upper mid).
Information ratio: -0.79 (bottom quartile).

LIC MF Infrastructure Fund

Bottom quartile AUM (₹905 Cr).
Established history (18+ yrs).
Not Rated.
Risk profile: High.
5Y return: 24.76% (bottom quartile).
3Y return: 29.37% (lower mid).
1Y return: 17.90% (upper mid).
Alpha: 2.02 (top quartile).
Sharpe: -0.01 (lower mid).
Information ratio: 0.34 (upper mid).

DSP India T.I.G.E.R Fund

Lower mid AUM (₹4,979 Cr).
Oldest track record among peers (21 yrs).
Top rated.
Risk profile: High.
5Y return: 25.31% (bottom quartile).
3Y return: 27.39% (bottom quartile).
1Y return: 17.69% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.01 (bottom quartile).
Information ratio: 0.00 (lower mid).

Nippon India Power and Infra Fund

Highest AUM (₹6,534 Cr).
Established history (21+ yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 25.34% (lower mid).
3Y return: 27.36% (bottom quartile).
1Y return: 14.60% (bottom quartile).
Alpha: -0.88 (lower mid).
Sharpe: -0.19 (bottom quartile).
Information ratio: 0.38 (top quartile).

Below are the top ranked funds from debt category like liquid, ultra short, short term, gilt, credit risk and corporate debt funds.

Top 5 Lump sum Ultra Short Term Debt Mutual Funds

Ultra short term funds are good investment for 6-12 months period with low risk stable returns as they invest corpus in short term debt instruments with maturities ranging between 6 - 12 months.

No Funds available.

Top 5 Lump sum Short Term Debt Mutual Funds

Short term funds are good investment for 1-2 year period with low risk stable returns as they invest corpus in debt instruments with maturities ranging between 1 - 3 Year.

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Sundaram Short Term Debt Fund Growth	₹36.3802 ↑ 0.01	₹362	5,000	0.8	11.4	12.8	5.3		4.52%	1Y 2M 13D	1Y 7M 3D
ICICI Prudential Short Term Fund Growth	₹62.9871 ↑ 0.03	₹20,688	5,000	1.5	2.4	5.9	7.5	8	7.89%	2Y 4M 24D	3Y 11M 8D
Axis Short Term Fund Growth	₹32.3165 ↑ 0.01	₹8,342	5,000	1.4	2.2	5.9	7.3	8.1	7.79%	2Y 2M 19D	3Y
HDFC Short Term Debt Fund Growth	₹33.4221 ↑ 0.01	₹14,728	5,000	1.4	2.1	5.6	7.4	7.8	7.85%	2Y 4M 17D	3Y 5M 12D
Bandhan Bond Fund Short Term Plan Growth	₹59.6506 ↑ 0.02	₹8,612	5,000	1.6	2.4	5.6	7.2	7.5	7.47%	2Y 2M 26D	3Y 18D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Dec 21

Research Highlights & Commentary of 5 Funds showcased

Commentary	Sundaram Short Term Debt Fund	ICICI Prudential Short Term Fund	Axis Short Term Fund	HDFC Short Term Debt Fund	Bandhan Bond Fund Short Term Plan
Point 1	Bottom quartile AUM (₹362 Cr).	Highest AUM (₹20,688 Cr).	Bottom quartile AUM (₹8,342 Cr).	Upper mid AUM (₹14,728 Cr).	Lower mid AUM (₹8,612 Cr).
Point 2	Established history (23+ yrs).	Established history (24+ yrs).	Established history (16+ yrs).	Established history (15+ yrs).	Oldest track record among peers (25 yrs).
Point 3	Rating: 2★ (bottom quartile).	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.
Point 5	1Y return: 12.83% (top quartile).	1Y return: 5.95% (upper mid).	1Y return: 5.85% (lower mid).	1Y return: 5.64% (bottom quartile).	1Y return: 5.56% (bottom quartile).
Point 6	1M return: 0.20% (bottom quartile).	1M return: 0.61% (upper mid).	1M return: 0.57% (lower mid).	1M return: 0.46% (bottom quartile).	1M return: 0.82% (top quartile).
Point 7	Sharpe: 0.98 (top quartile).	Sharpe: 0.34 (upper mid).	Sharpe: 0.24 (lower mid).	Sharpe: 0.22 (bottom quartile).	Sharpe: 0.03 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 4.52% (bottom quartile).	Yield to maturity (debt): 7.89% (top quartile).	Yield to maturity (debt): 7.79% (lower mid).	Yield to maturity (debt): 7.85% (upper mid).	Yield to maturity (debt): 7.47% (bottom quartile).
Point 10	Modified duration: 1.20 yrs (top quartile).	Modified duration: 2.40 yrs (bottom quartile).	Modified duration: 2.22 yrs (upper mid).	Modified duration: 2.38 yrs (bottom quartile).	Modified duration: 2.24 yrs (lower mid).

Sundaram Short Term Debt Fund

Bottom quartile AUM (₹362 Cr).
Established history (23+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 12.83% (top quartile).
1M return: 0.20% (bottom quartile).
Sharpe: 0.98 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 4.52% (bottom quartile).
Modified duration: 1.20 yrs (top quartile).

ICICI Prudential Short Term Fund

Highest AUM (₹20,688 Cr).
Established history (24+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 5.95% (upper mid).
1M return: 0.61% (upper mid).
Sharpe: 0.34 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.89% (top quartile).
Modified duration: 2.40 yrs (bottom quartile).

Axis Short Term Fund

Bottom quartile AUM (₹8,342 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 5.85% (lower mid).
1M return: 0.57% (lower mid).
Sharpe: 0.24 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.79% (lower mid).
Modified duration: 2.22 yrs (upper mid).

HDFC Short Term Debt Fund

Upper mid AUM (₹14,728 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 5.64% (bottom quartile).
1M return: 0.46% (bottom quartile).
Sharpe: 0.22 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.85% (upper mid).
Modified duration: 2.38 yrs (bottom quartile).

Bandhan Bond Fund Short Term Plan

Lower mid AUM (₹8,612 Cr).
Oldest track record among peers (25 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 5.56% (bottom quartile).
1M return: 0.82% (top quartile).
Sharpe: 0.03 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.47% (bottom quartile).
Modified duration: 2.24 yrs (lower mid).

Top 5 Lump sum Liquid Mutual Funds

Liquid Funds are good investment for a day to 90 days period with low risk stable returns as they invest corpus in money market debt instruments with maturities ranging between a week to 3 months.

Fund	NAV	Net Assets (Cr)	Min Investment	1 MO (%)	3 MO (%)	6 MO (%)	1 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Edelweiss Liquid Fund Growth	₹3,506.39 ↑ 0.64	₹8,877	5,000	0.8	1.7	3.2	6.3	6.5	7.42%	2M 8D	2M 8D
Axis Liquid Fund Growth	₹3,053.27 ↑ 0.49	₹30,188	500	0.8	1.8	3.2	6.3	6.6	7.77%	2M 1D	2M 5D
DSP Liquidity Fund Growth	₹3,914.52 ↑ 0.62	₹16,866	1,000	0.8	1.7	3.2	6.3	6.5	7.48%	1M 28D	2M 1D
UTI Liquid Cash Plan Growth	₹4,497.84 ↑ 0.72	₹19,763	500	0.8	1.7	3.2	6.3	6.5	6.03%	1M 2D	1M 2D
Aditya Birla Sun Life Liquid Fund Growth	₹441.753 ↑ 0.07	₹43,022	5,000	0.8	1.7	3.2	6.3	6.5	7.73%	2M 5D	2M 5D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Apr 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Edelweiss Liquid Fund	Axis Liquid Fund	DSP Liquidity Fund	UTI Liquid Cash Plan	Aditya Birla Sun Life Liquid Fund
Point 1	Bottom quartile AUM (₹8,877 Cr).	Upper mid AUM (₹30,188 Cr).	Bottom quartile AUM (₹16,866 Cr).	Lower mid AUM (₹19,763 Cr).	Highest AUM (₹43,022 Cr).
Point 2	Established history (18+ yrs).	Established history (16+ yrs).	Established history (20+ yrs).	Oldest track record among peers (22 yrs).	Established history (22+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Top rated.	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 6.31% (top quartile).	1Y return: 6.31% (upper mid).	1Y return: 6.30% (lower mid).	1Y return: 6.28% (bottom quartile).	1Y return: 6.27% (bottom quartile).
Point 6	1M return: 0.75% (bottom quartile).	1M return: 0.77% (top quartile).	1M return: 0.76% (bottom quartile).	1M return: 0.76% (upper mid).	1M return: 0.76% (lower mid).
Point 7	Sharpe: 3.06 (upper mid).	Sharpe: 3.16 (top quartile).	Sharpe: 3.03 (bottom quartile).	Sharpe: 3.05 (lower mid).	Sharpe: 2.95 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.42% (bottom quartile).	Yield to maturity (debt): 7.77% (top quartile).	Yield to maturity (debt): 7.48% (lower mid).	Yield to maturity (debt): 6.03% (bottom quartile).	Yield to maturity (debt): 7.73% (upper mid).
Point 10	Modified duration: 0.19 yrs (bottom quartile).	Modified duration: 0.17 yrs (lower mid).	Modified duration: 0.16 yrs (upper mid).	Modified duration: 0.09 yrs (top quartile).	Modified duration: 0.18 yrs (bottom quartile).

Edelweiss Liquid Fund

Bottom quartile AUM (₹8,877 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.31% (top quartile).
1M return: 0.75% (bottom quartile).
Sharpe: 3.06 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.42% (bottom quartile).
Modified duration: 0.19 yrs (bottom quartile).

Axis Liquid Fund

Upper mid AUM (₹30,188 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.31% (upper mid).
1M return: 0.77% (top quartile).
Sharpe: 3.16 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.77% (top quartile).
Modified duration: 0.17 yrs (lower mid).

DSP Liquidity Fund

Bottom quartile AUM (₹16,866 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.30% (lower mid).
1M return: 0.76% (bottom quartile).
Sharpe: 3.03 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.48% (lower mid).
Modified duration: 0.16 yrs (upper mid).

UTI Liquid Cash Plan

Lower mid AUM (₹19,763 Cr).
Oldest track record among peers (22 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.28% (bottom quartile).
1M return: 0.76% (upper mid).
Sharpe: 3.05 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.03% (bottom quartile).
Modified duration: 0.09 yrs (top quartile).

Aditya Birla Sun Life Liquid Fund

Highest AUM (₹43,022 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.27% (bottom quartile).
1M return: 0.76% (lower mid).
Sharpe: 2.95 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.73% (upper mid).
Modified duration: 0.18 yrs (bottom quartile).

Top 5 Lump sum GILT Mutual Funds

No Funds available.

Top 5 Lump sum Corporate Bond Mutual Funds

No Funds available.

Top 5 Lump sum Credit Risk Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
DSP Credit Risk Fund Growth	₹53.9211 ↑ 0.02	₹223	1,000	6.1	7	10.8	16	21	8.23%	2Y 29D	2Y 9M 22D
Aditya Birla Sun Life Credit Risk Fund Growth	₹24.6413 ↓ 0.00	₹1,178	1,000	2.3	7.1	12.5	12	13.4	8.59%	2Y 14D	2Y 8M 19D
Franklin India Credit Risk Fund Growth	₹25.3348 ↑ 0.04	₹104	5,000	2.9	5	7.5	11		0%
Invesco India Credit Risk Fund Growth	₹2,035.16 ↑ 1.46	₹159	5,000	2.5	3.6	6.4	8.3	9.2	7.81%	1Y 9M 29D	2Y 3M 25D
ICICI Prudential Regular Savings Fund Growth	₹33.7789 ↓ -0.02	₹5,834	10,000	1.6	3.3	8.3	8.3	9.5	8.83%	1Y 9M 14D	2Y 9M 18D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Apr 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP Credit Risk Fund	Aditya Birla Sun Life Credit Risk Fund	Franklin India Credit Risk Fund	Invesco India Credit Risk Fund	ICICI Prudential Regular Savings Fund
Point 1	Lower mid AUM (₹223 Cr).	Upper mid AUM (₹1,178 Cr).	Bottom quartile AUM (₹104 Cr).	Bottom quartile AUM (₹159 Cr).	Highest AUM (₹5,834 Cr).
Point 2	Oldest track record among peers (22 yrs).	Established history (11+ yrs).	Established history (14+ yrs).	Established history (11+ yrs).	Established history (15+ yrs).
Point 3	Top rated.	Not Rated.	Rating: 1★ (lower mid).	Rating: 4★ (upper mid).	Rating: 1★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 10.80% (upper mid).	1Y return: 12.49% (top quartile).	1Y return: 7.45% (bottom quartile).	1Y return: 6.44% (bottom quartile).	1Y return: 8.28% (lower mid).
Point 6	1M return: 6.23% (top quartile).	1M return: 1.24% (lower mid).	1M return: 0.91% (bottom quartile).	1M return: 1.65% (upper mid).	1M return: 0.95% (bottom quartile).
Point 7	Sharpe: -0.56 (bottom quartile).	Sharpe: 2.01 (top quartile).	Sharpe: 0.29 (lower mid).	Sharpe: -0.18 (bottom quartile).	Sharpe: 1.61 (upper mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 8.23% (lower mid).	Yield to maturity (debt): 8.59% (upper mid).	Yield to maturity (debt): 0.00% (bottom quartile).	Yield to maturity (debt): 7.81% (bottom quartile).	Yield to maturity (debt): 8.83% (top quartile).
Point 10	Modified duration: 2.08 yrs (bottom quartile).	Modified duration: 2.04 yrs (bottom quartile).	Modified duration: 0.00 yrs (top quartile).	Modified duration: 1.83 yrs (lower mid).	Modified duration: 1.79 yrs (upper mid).

DSP Credit Risk Fund

Lower mid AUM (₹223 Cr).
Oldest track record among peers (22 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 10.80% (upper mid).
1M return: 6.23% (top quartile).
Sharpe: -0.56 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 8.23% (lower mid).
Modified duration: 2.08 yrs (bottom quartile).

Aditya Birla Sun Life Credit Risk Fund

Upper mid AUM (₹1,178 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 12.49% (top quartile).
1M return: 1.24% (lower mid).
Sharpe: 2.01 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 8.59% (upper mid).
Modified duration: 2.04 yrs (bottom quartile).

Franklin India Credit Risk Fund

Bottom quartile AUM (₹104 Cr).
Established history (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderate.
1Y return: 7.45% (bottom quartile).
1M return: 0.91% (bottom quartile).
Sharpe: 0.29 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 0.00% (bottom quartile).
Modified duration: 0.00 yrs (top quartile).

Invesco India Credit Risk Fund

Bottom quartile AUM (₹159 Cr).
Established history (11+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 6.44% (bottom quartile).
1M return: 1.65% (upper mid).
Sharpe: -0.18 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.81% (bottom quartile).
Modified duration: 1.83 yrs (lower mid).

ICICI Prudential Regular Savings Fund

Highest AUM (₹5,834 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.28% (lower mid).
1M return: 0.95% (bottom quartile).
Sharpe: 1.61 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.83% (top quartile).
Modified duration: 1.79 yrs (upper mid).

Below are the top ranked funds from difference categories like. Aggresive, Conservative, Arbitrage, Dynamic Allocation, Multi Asset, Equity Savings and solution oriented Hybrid schemes.

Top 5 Lump sum Balanced Mutual Funds

No Funds available.

Top 5 Lump sum Aggressive Hybrid Funds

No Funds available.

Top 5 Lump sum Conservative Hybrid Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹39.73 ↑ 0.05	₹1,282	5,000	5	4.6	12.9	20	17.7	-0.9
ICICI Prudential Multi-Asset Fund Growth	₹812.649 ↑ 3.86	₹77,658	5,000	-0.6	1.7	11.5	18.8	19.4	18.6
UTI Multi Asset Fund Growth	₹78.0915 ↑ 0.01	₹6,379	5,000	-1.8	-0.3	10	18.7	14.3	11.1
ICICI Prudential Equity and Debt Fund Growth	₹403.89 ↑ 0.04	₹46,700	5,000	-0.8	-0.8	7.4	18.6	18.8	13.3
SBI Multi Asset Allocation Fund Growth	₹65.9455 ↓ -0.10	₹16,150	5,000	-0.3	5.1	18.1	18	14.7	18.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Apr 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	BOI AXA Mid and Small Cap Equity and Debt Fund	ICICI Prudential Multi-Asset Fund	UTI Multi Asset Fund	ICICI Prudential Equity and Debt Fund	SBI Multi Asset Allocation Fund
Point 1	Bottom quartile AUM (₹1,282 Cr).	Highest AUM (₹77,658 Cr).	Bottom quartile AUM (₹6,379 Cr).	Upper mid AUM (₹46,700 Cr).	Lower mid AUM (₹16,150 Cr).
Point 2	Established history (9+ yrs).	Established history (23+ yrs).	Established history (17+ yrs).	Oldest track record among peers (26 yrs).	Established history (20+ yrs).
Point 3	Not Rated.	Rating: 2★ (lower mid).	Rating: 1★ (bottom quartile).	Top rated.	Rating: 4★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.
Point 5	5Y return: 17.74% (lower mid).	5Y return: 19.43% (top quartile).	5Y return: 14.30% (bottom quartile).	5Y return: 18.81% (upper mid).	5Y return: 14.69% (bottom quartile).
Point 6	3Y return: 20.04% (top quartile).	3Y return: 18.76% (upper mid).	3Y return: 18.66% (lower mid).	3Y return: 18.64% (bottom quartile).	3Y return: 17.97% (bottom quartile).
Point 7	1Y return: 12.86% (upper mid).	1Y return: 11.54% (lower mid).	1Y return: 10.02% (bottom quartile).	1Y return: 7.36% (bottom quartile).	1Y return: 18.14% (top quartile).
Point 8	1M return: 8.56% (top quartile).	1M return: 3.49% (lower mid).	1M return: 3.30% (bottom quartile).	1M return: 3.84% (upper mid).	1M return: 2.35% (bottom quartile).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 2.02 (top quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: -0.22 (bottom quartile).	Sharpe: -0.01 (upper mid).	Sharpe: -0.15 (lower mid).	Sharpe: -0.33 (bottom quartile).	Sharpe: 0.73 (top quartile).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,282 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 17.74% (lower mid).
3Y return: 20.04% (top quartile).
1Y return: 12.86% (upper mid).
1M return: 8.56% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.22 (bottom quartile).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹77,658 Cr).
Established history (23+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.43% (top quartile).
3Y return: 18.76% (upper mid).
1Y return: 11.54% (lower mid).
1M return: 3.49% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.01 (upper mid).

UTI Multi Asset Fund

Bottom quartile AUM (₹6,379 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 14.30% (bottom quartile).
3Y return: 18.66% (lower mid).
1Y return: 10.02% (bottom quartile).
1M return: 3.30% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.15 (lower mid).

ICICI Prudential Equity and Debt Fund

Upper mid AUM (₹46,700 Cr).
Oldest track record among peers (26 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 18.81% (upper mid).
3Y return: 18.64% (bottom quartile).
1Y return: 7.36% (bottom quartile).
1M return: 3.84% (upper mid).
Alpha: 2.02 (top quartile).
Sharpe: -0.33 (bottom quartile).

SBI Multi Asset Allocation Fund

Lower mid AUM (₹16,150 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
5Y return: 14.69% (bottom quartile).
3Y return: 17.97% (bottom quartile).
1Y return: 18.14% (top quartile).
1M return: 2.35% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.73 (top quartile).

Top 5 Lump sum Arbitrage Funds

No Funds available.

Top 5 Lump sum Dynamic Allocation Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
HDFC Balanced Advantage Fund Growth	₹519.8 ↑ 0.57	₹98,458	5,000	-2.2	-1.6	4.6	16.5	17.4	7.2
Axis Dynamic Equity Fund Growth	₹21.21	₹3,558	5,000	-1.3	-0.6	4.2	14.1	10.8	7
Franklin India Multi - Asset Solution Fund Growth	₹21.9149 ↑ 0.00	₹125	5,000	1.5	2.6	7.9	13.4	12.6	14.1
ICICI Prudential Balanced Advantage Fund Growth	₹77.01 ↓ -0.06	₹66,398	5,000	-0.3	0.9	9	13.3	11.8	12.2
Aditya Birla Sun Life Balanced Advantage Fund Growth	₹109.63 ↑ 0.06	₹8,540	1,000	0.2	1.2	8	13.1	10.8	10.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Apr 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	HDFC Balanced Advantage Fund	Axis Dynamic Equity Fund	Franklin India Multi - Asset Solution Fund	ICICI Prudential Balanced Advantage Fund	Aditya Birla Sun Life Balanced Advantage Fund
Point 1	Highest AUM (₹98,458 Cr).	Bottom quartile AUM (₹3,558 Cr).	Bottom quartile AUM (₹125 Cr).	Upper mid AUM (₹66,398 Cr).	Lower mid AUM (₹8,540 Cr).
Point 2	Established history (25+ yrs).	Established history (8+ yrs).	Established history (11+ yrs).	Established history (19+ yrs).	Oldest track record among peers (26 yrs).
Point 3	Top rated.	Not Rated.	Not Rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).
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: 17.45% (top quartile).	5Y return: 10.82% (bottom quartile).	5Y return: 12.59% (upper mid).	5Y return: 11.80% (lower mid).	5Y return: 10.80% (bottom quartile).
Point 6	3Y return: 16.51% (top quartile).	3Y return: 14.10% (upper mid).	3Y return: 13.35% (lower mid).	3Y return: 13.26% (bottom quartile).	3Y return: 13.07% (bottom quartile).
Point 7	1Y return: 4.64% (bottom quartile).	1Y return: 4.23% (bottom quartile).	1Y return: 7.91% (lower mid).	1Y return: 8.99% (top quartile).	1Y return: 8.04% (upper mid).
Point 8	1M return: 3.25% (lower mid).	1M return: 2.61% (bottom quartile).	1M return: 0.53% (bottom quartile).	1M return: 4.05% (upper mid).	1M return: 4.70% (top quartile).
Point 9	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: -0.60 (bottom quartile).	Sharpe: -0.67 (bottom quartile).	Sharpe: 1.14 (top quartile).	Sharpe: -0.20 (upper mid).	Sharpe: -0.38 (lower mid).

HDFC Balanced Advantage Fund

Highest AUM (₹98,458 Cr).
Established history (25+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 17.45% (top quartile).
3Y return: 16.51% (top quartile).
1Y return: 4.64% (bottom quartile).
1M return: 3.25% (lower mid).
Alpha: 0.00 (top quartile).
Sharpe: -0.60 (bottom quartile).

Axis Dynamic Equity Fund

Bottom quartile AUM (₹3,558 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 10.82% (bottom quartile).
3Y return: 14.10% (upper mid).
1Y return: 4.23% (bottom quartile).
1M return: 2.61% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.67 (bottom quartile).

Franklin India Multi - Asset Solution Fund

Bottom quartile AUM (₹125 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 12.59% (upper mid).
3Y return: 13.35% (lower mid).
1Y return: 7.91% (lower mid).
1M return: 0.53% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 1.14 (top quartile).

ICICI Prudential Balanced Advantage Fund

Upper mid AUM (₹66,398 Cr).
Established history (19+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 11.80% (lower mid).
3Y return: 13.26% (bottom quartile).
1Y return: 8.99% (top quartile).
1M return: 4.05% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.20 (upper mid).

Aditya Birla Sun Life Balanced Advantage Fund

Lower mid AUM (₹8,540 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 10.80% (bottom quartile).
3Y return: 13.07% (bottom quartile).
1Y return: 8.04% (upper mid).
1M return: 4.70% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.38 (lower mid).

Top 5 Lump sum Multi Asset Allocation Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
ICICI Prudential Multi-Asset Fund Growth	₹812.649 ↑ 3.86	₹77,658	5,000	-0.6	1.7	11.5	18.8	19.4	18.6
UTI Multi Asset Fund Growth	₹78.0915 ↑ 0.01	₹6,379	5,000	-1.8	-0.3	10	18.7	14.3	11.1
SBI Multi Asset Allocation Fund Growth	₹65.9455 ↓ -0.10	₹16,150	5,000	-0.3	5.1	18.1	18	14.7	18.6
Edelweiss Multi Asset Allocation Fund Growth	₹63.47 ↑ 0.05	₹3,309	5,000	-1	-2.3	5.5	15.8	14.7	6
Axis Triple Advantage Fund Growth	₹44.0027 ↑ 0.01	₹2,065	5,000	-2	1.4	15.6	15.2	11.3	15.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Apr 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Multi-Asset Fund	UTI Multi Asset Fund	SBI Multi Asset Allocation Fund	Edelweiss Multi Asset Allocation Fund	Axis Triple Advantage Fund
Point 1	Highest AUM (₹77,658 Cr).	Lower mid AUM (₹6,379 Cr).	Upper mid AUM (₹16,150 Cr).	Bottom quartile AUM (₹3,309 Cr).	Bottom quartile AUM (₹2,065 Cr).
Point 2	Oldest track record among peers (23 yrs).	Established history (17+ yrs).	Established history (20+ yrs).	Established history (16+ yrs).	Established history (15+ yrs).
Point 3	Rating: 2★ (upper mid).	Rating: 1★ (bottom quartile).	Top rated.	Rating: 1★ (bottom quartile).	Rating: 2★ (lower mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 19.43% (top quartile).	5Y return: 14.30% (bottom quartile).	5Y return: 14.69% (lower mid).	5Y return: 14.74% (upper mid).	5Y return: 11.30% (bottom quartile).
Point 6	3Y return: 18.76% (top quartile).	3Y return: 18.66% (upper mid).	3Y return: 17.97% (lower mid).	3Y return: 15.77% (bottom quartile).	3Y return: 15.20% (bottom quartile).
Point 7	1Y return: 11.54% (lower mid).	1Y return: 10.02% (bottom quartile).	1Y return: 18.14% (top quartile).	1Y return: 5.47% (bottom quartile).	1Y return: 15.56% (upper mid).
Point 8	1M return: 3.49% (upper mid).	1M return: 3.30% (lower mid).	1M return: 2.35% (bottom quartile).	1M return: 4.10% (top quartile).	1M return: 1.86% (bottom quartile).
Point 9	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: -0.81 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: -0.01 (lower mid).	Sharpe: -0.15 (bottom quartile).	Sharpe: 0.73 (top quartile).	Sharpe: -0.61 (bottom quartile).	Sharpe: 0.39 (upper mid).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹77,658 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 19.43% (top quartile).
3Y return: 18.76% (top quartile).
1Y return: 11.54% (lower mid).
1M return: 3.49% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: -0.01 (lower mid).

UTI Multi Asset Fund

Lower mid AUM (₹6,379 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 14.30% (bottom quartile).
3Y return: 18.66% (upper mid).
1Y return: 10.02% (bottom quartile).
1M return: 3.30% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.15 (bottom quartile).

SBI Multi Asset Allocation Fund

Upper mid AUM (₹16,150 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 14.69% (lower mid).
3Y return: 17.97% (lower mid).
1Y return: 18.14% (top quartile).
1M return: 2.35% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.73 (top quartile).

Edelweiss Multi Asset Allocation Fund

Bottom quartile AUM (₹3,309 Cr).
Established history (16+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 14.74% (upper mid).
3Y return: 15.77% (bottom quartile).
1Y return: 5.47% (bottom quartile).
1M return: 4.10% (top quartile).
Alpha: -0.81 (bottom quartile).
Sharpe: -0.61 (bottom quartile).

Axis Triple Advantage Fund

Bottom quartile AUM (₹2,065 Cr).
Established history (15+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 11.30% (bottom quartile).
3Y return: 15.20% (bottom quartile).
1Y return: 15.56% (upper mid).
1M return: 1.86% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.39 (upper mid).

Top 5 Lump sum Equity Savings Funds

No Funds available.

Best Lump sum Mutual Fund on 1 Month Performance

1. Sundaram Small Cap Fund

(Erstwhile Sundaram SMILE Fund)

To primarily achieve capital appreciation by investing in diversified stocks that are generally termed as small and mid-caps and by investing in other equities.

Research Highlights for Sundaram Small Cap Fund

Upper mid AUM (₹2,983 Cr).
Oldest track record among peers (21 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 19.42% (upper mid).
3Y return: 20.61% (lower mid).
1Y return: 13.13% (lower mid).
Alpha: 4.51 (top quartile).
Sharpe: -0.20 (lower mid).
Information ratio: -0.39 (lower mid).
Top sector: Consumer Cyclical.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding MTAR Technologies Ltd (~4.1%).

Below is the key information for Sundaram Small Cap Fund

Sundaram Small Cap Fund Growth
Launch Date	15 Feb 05
NAV (20 Apr 26)	₹262.444 ↓ -0.36 (-0.14 %)
Net Assets (Cr)	₹2,983 on 31 Mar 26
Category	Equity - Small Cap
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.94
Sharpe Ratio	-0.2
Information Ratio	-0.39
Alpha Ratio	4.51
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹13,713
31 Mar 23	₹13,694
31 Mar 24	₹20,481
31 Mar 25	₹21,101
31 Mar 26	₹21,304

Sundaram Small Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for Sundaram Small 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 20 Apr 26

Duration	Returns
1 Month	12.8%
3 Month	2.2%
6 Month	0.3%
1 Year	13.1%
3 Year	20.6%
5 Year	19.4%
10 Year
15 Year
Since launch	16.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	0.4%
2023	19.1%
2022	45.3%
2021	-2.1%
2020	60.3%
2019	26.2%
2018	-6.1%
2017	-29.2%
2016	55.6%
2015	-0.1%

Fund Manager information for Sundaram Small Cap Fund

Name	Since	Tenure
Rohit Seksaria	1 Nov 22	3.42 Yr.

Data below for Sundaram Small Cap Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Consumer Cyclical	21.48%
Industrials	19.68%
Financial Services	18.97%
Health Care	12.65%
Basic Materials	8.52%
Communication Services	4.99%
Technology	3.5%
Consumer Defensive	2.86%
Real Estate	2.1%
Utility	1%

Asset Allocation

Asset Class	Value
Cash	4.15%
Equity	95.75%
Debt	0.1%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
MTAR Technologies Ltd (Industrials) Equity, Since 31 Dec 24 \| MTARTECH	4%	₹121 Cr	349,511 ↓ -3,078
Aster DM Healthcare Ltd Ordinary Shares (Healthcare) Equity, Since 30 Nov 23 \| ASTERDM	4%	₹113 Cr	1,681,362
SJS Enterprises Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| 543387	3%	₹90 Cr	577,256
Affle 3i Ltd (Communication Services) Equity, Since 31 May 21 \| AFFLE	3%	₹86 Cr	594,278 ↑ 24,633
E I D Parry India Ltd (Basic Materials) Equity, Since 31 Jul 24 \| EIDPARRY	3%	₹81 Cr	1,045,263 ↑ 38,877
Eternal Ltd (Consumer Cyclical) Equity, Since 30 Nov 24 \| 543320	3%	₹76 Cr	3,324,013 ↑ 481,686
PNB Housing Finance Ltd (Financial Services) Equity, Since 31 Jul 24 \| PNBHOUSING	3%	₹75 Cr	992,680
Craftsman Automation Ltd (Consumer Cyclical) Equity, Since 30 Jun 24 \| CRAFTSMAN	2%	₹74 Cr	106,539
DCB Bank Ltd (Financial Services) Equity, Since 30 Sep 24 \| DCBBANK	2%	₹70 Cr	4,443,809
Rategain Travel Technologies Ltd (Technology) Equity, Since 30 Jun 23 \| 543417	2%	₹67 Cr	1,534,556 ↑ 32,858

2. PGIM India Euro Equity Fund

(Erstwhile DHFL Pramerica Top Euroland Offshore Fund)

The primary investment objective of the scheme is to generate long-term capital growth from a diversified portfolio of units of overseas mutual funds.

Research Highlights for PGIM India Euro Equity Fund

Lower mid AUM (₹1,263 Cr).
Established history (18+ yrs).
Rating: 2★ (lower mid).
Risk profile: High.
5Y return: 4.46% (bottom quartile).
3Y return: 26.80% (top quartile).
1Y return: 60.21% (top quartile).
1M return: 12.40% (upper mid).
Alpha: -14.64 (bottom quartile).
Sharpe: 1.82 (top quartile).
Information ratio: -0.15 (upper mid).
Higher exposure to Technology vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding PGIM Jennison Emerging Mkts Eq USD W Acc (~96.6%).
Top-3 holdings concentration ~100.5%.

Below is the key information for PGIM India Euro Equity Fund

PGIM India Euro Equity Fund Growth
Launch Date	11 Sep 07
NAV (17 Apr 26)	₹22.75 ↓ -0.21 (-0.91 %)
Net Assets (Cr)	₹1,263 on 28 Feb 26
Category	Others - Fund of Fund
AMC	Pramerica Asset Managers Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.63
Sharpe Ratio	1.82
Information Ratio	-0.15
Alpha Ratio	-14.64
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹7,969
31 Mar 23	₹6,459
31 Mar 24	₹7,706
31 Mar 25	₹8,707
31 Mar 26	₹11,190

PGIM India Euro Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹340,450.
Net Profit of ₹40,450 Invest Now

Returns for PGIM India Euro 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 20 Apr 26

Duration	Returns
1 Month	12.4%
3 Month	13.2%
6 Month	29.6%
1 Year	60.2%
3 Year	26.8%
5 Year	4.5%
10 Year
15 Year
Since launch	4.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	18.3%
2023	20.6%
2022	14.6%
2021	-35.6%
2020	-1.9%
2019	20.5%
2018	21.4%
2017	-10.3%
2016	14.6%
2015	-6.7%

Fund Manager information for PGIM India Euro Equity Fund

Name	Since	Tenure
Anandha Padmanabhan Anjeneyan	15 Feb 25	1.12 Yr.
Vivek Sharma	15 Feb 25	1.12 Yr.

Data below for PGIM India Euro Equity Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	4.53%
Equity	95.47%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
PGIM Jennison Emerging Mkts Eq USD W Acc Investment Fund \| -	97%	₹1,220 Cr	924,825 ↓ -10,050
Clearing Corporation Of India Ltd. CBLO/Reverse Repo \| -	4%	₹46 Cr
Net Receivables / (Payables) Net Current Assets \| -	0%	-₹3 Cr

3. IDBI Small Cap 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 Small Cap companies. However there can be no assurance that the investment objective under the Scheme will be realized.

Research Highlights for IDBI Small Cap Fund

Bottom quartile AUM (₹552 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 19.29% (lower mid).
3Y return: 19.20% (bottom quartile).
1Y return: 6.50% (bottom quartile).
Alpha: -4.18 (lower mid).
Sharpe: -0.75 (bottom quartile).
Information ratio: -0.61 (bottom quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding Navin Fluorine International Ltd (~2.8%).

Below is the key information for IDBI Small Cap Fund

IDBI Small Cap Fund Growth
Launch Date	21 Jun 17
NAV (20 Apr 26)	₹30.1625 ↓ -0.12 (-0.41 %)
Net Assets (Cr)	₹552 on 31 Mar 26
Category	Equity - Small Cap
AMC	IDBI Asset Management Limited
Rating	Not Rated
Risk	Moderately High
Expense Ratio	2.3
Sharpe Ratio	-0.75
Information Ratio	-0.61
Alpha Ratio	-4.18
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.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹14,054
31 Mar 23	₹13,974
31 Mar 24	₹19,891
31 Mar 25	₹22,198
31 Mar 26	₹20,775

IDBI Small Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for IDBI Small 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 20 Apr 26

Duration	Returns
1 Month	12.3%
3 Month	7.4%
6 Month	-0.1%
1 Year	6.5%
3 Year	19.2%
5 Year	19.3%
10 Year
15 Year
Since launch	13.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-13.4%
2023	40%
2022	33.4%
2021	2.4%
2020	64.7%
2019	19%
2018	-4.4%
2017	-15%
2016
2015

Fund Manager information for IDBI Small Cap Fund

Name	Since	Tenure
Dikshit Mittal	24 Jul 25	0.68 Yr.
Mahesh Bendre	1 Jul 24	1.75 Yr.

Data below for IDBI Small Cap Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Industrials	30.2%
Basic Materials	14.71%
Consumer Cyclical	13.85%
Consumer Defensive	8.71%
Financial Services	8.6%
Health Care	7.86%
Technology	5.22%
Utility	3%
Communication Services	1.22%
Real Estate	0.66%

Asset Allocation

Asset Class	Value
Cash	5.97%
Equity	94.03%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Navin Fluorine International Ltd (Basic Materials) Equity, Since 30 Sep 19 \| NAVINFLUOR	3%	₹16 Cr	25,378
Avalon Technologies Ltd (Technology) Equity, Since 31 Aug 23 \| AVALON	2%	₹14 Cr	146,747
Manorama Industries Ltd (Consumer Defensive) Equity, Since 31 Dec 24 \| 541974	2%	₹14 Cr	119,603
Allied Blenders and Distillers Ltd (Consumer Defensive) Equity, Since 31 Jul 24 \| ABDL	2%	₹13 Cr	326,140
Kirloskar Oil Engines Ltd (Industrials) Equity, Since 28 Feb 21 \| KIRLOSENG	2%	₹13 Cr	98,601
KSH International Ltd (Industrials) Equity, Since 31 Dec 25 \| KSHINTL	2%	₹12 Cr	269,380
Hindustan Foods Ltd (Industrials) Equity, Since 31 Jul 24 \| 519126	2%	₹11 Cr	223,053
Schneider Electric Infrastructure Ltd (Industrials) Equity, Since 31 Aug 25 \| SCHNEIDER	2%	₹11 Cr	133,576
Arvind Fashions Ltd (Consumer Cyclical) Equity, Since 29 Feb 24 \| ARVINDFASN	2%	₹11 Cr	278,247
Aditya Birla Sun Life AMC Ltd (Financial Services) Equity, Since 31 Aug 24 \| 543374	2%	₹11 Cr	123,311

4. DSP Small Cap Fund

(Erstwhile DSP BlackRock Micro Cap Fund)

The primary investment objective is to seek to generate long term capital appreciation from a portfolio that is substantially constituted of equity and equity related securities of small cap companies. From time to time, the fund manager will also seek participation in other equity and equity related securities to achieve optimal portfolio construction. There is no assurance that the investment objective of the Scheme will be realized

Research Highlights for DSP Small Cap Fund

Highest AUM (₹15,300 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 20.23% (top quartile).
3Y return: 21.43% (upper mid).
1Y return: 16.73% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.05 (upper mid).
Information ratio: 0.00 (top quartile).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~93%).
Largest holding Lumax Auto Technologies Ltd (~6.2%).

Below is the key information for DSP Small Cap Fund

DSP Small Cap Fund Growth
Launch Date	14 Jun 07
NAV (20 Apr 26)	₹199.932 ↓ -1.17 (-0.58 %)
Net Assets (Cr)	₹15,300 on 31 Mar 26
Category	Equity - Small Cap
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.72
Sharpe Ratio	-0.05
Information Ratio	0
Alpha Ratio	0
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 Mar 21	₹10,000
31 Mar 22	₹13,921
31 Mar 23	₹13,701
31 Mar 24	₹19,782
31 Mar 25	₹21,554
31 Mar 26	₹22,131

DSP Small Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 Invest Now

Returns for DSP Small 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 20 Apr 26

Duration	Returns
1 Month	11.2%
3 Month	5.2%
6 Month	4.4%
1 Year	16.7%
3 Year	21.4%
5 Year	20.2%
10 Year
15 Year
Since launch	17.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-2.8%
2023	25.6%
2022	41.2%
2021	0.5%
2020	58.9%
2019	33.1%
2018	0.7%
2017	-25.5%
2016	42.8%
2015	12.7%

Fund Manager information for DSP Small Cap Fund

Name	Since	Tenure
Vinit Sambre	21 Jun 10	15.79 Yr.

Data below for DSP Small Cap Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Consumer Cyclical	33.83%
Basic Materials	16.53%
Industrials	15.06%
Health Care	9.95%
Financial Services	8.14%
Consumer Defensive	7.04%
Technology	2.32%
Communication Services	0.5%
Utility	0.03%

Asset Allocation

Asset Class	Value
Cash	6.6%
Equity	93.4%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Lumax Auto Technologies Ltd (Consumer Cyclical) Equity, Since 30 Jun 18 \| LUMAXTECH	6%	₹943 Cr	6,196,634
Thangamayil Jewellery Ltd (Consumer Cyclical) Equity, Since 30 Nov 21 \| THANGAMAYL	4%	₹575 Cr	1,677,908
Kirloskar Oil Engines Ltd (Industrials) Equity, Since 31 Mar 23 \| KIRLOSENG	3%	₹500 Cr	3,762,866 ↓ -173,926
Welspun Corp Ltd (Basic Materials) Equity, Since 31 Mar 21 \| 532144	3%	₹447 Cr	5,500,000
Jubilant Ingrevia Ltd Ordinary Shares (Basic Materials) Equity, Since 31 Dec 22 \| JUBLINGREA	2%	₹381 Cr	7,000,000
Sansera Engineering Ltd (Consumer Cyclical) Equity, Since 30 Jun 24 \| 543358	2%	₹367 Cr	1,770,029
Dodla Dairy Ltd (Consumer Defensive) Equity, Since 30 Jun 21 \| 543306	2%	₹364 Cr	3,750,000
LT Foods Ltd (Consumer Defensive) Equity, Since 31 Dec 17 \| 532783	2%	₹363 Cr	10,000,000
Triveni Engineering & Industries Ltd (Consumer Defensive) Equity, Since 31 Aug 17 \| 532356	2%	₹349 Cr	9,200,000
Ipca Laboratories Ltd (Healthcare) Equity, Since 30 Nov 14 \| 524494	2%	₹336 Cr	2,101,047

Case Study: Lump Sum vs SIP

Imagine you received a ₹5,00,000 bonus in January 2020:

Lump Sum in Nifty 50 Index Fund (5 years) - Grew to ~₹11,20,000 (CAGR ~17%).
SIP of ₹10,000/month for 5 years - Grew to ~₹9,10,000 (CAGR ~12%).

Clearly, lump sum generated higher wealth since markets were in a growth cycle. But SIP reduces risk in volatile times. This highlights why timing and risk profile matter.

How to Invest in Best Mutual Funds Online?

Open Free Investment Account for Lifetime at Fincash.com.

Complete your Registration and KYC Process

Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!

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Tips to Invest Lump Sum in 2025

Stagger via STP (Systematic Transfer Plan): If markets are high, park in liquid funds and transfer monthly.
Match with Goals: Use equity for long-term goals (7–10 years), debt for short-term (1–3 years).
Check Market Valuation: Enter lump sum during dips for best results.
Diversify: Don’t put all money in one fund—spread across categories.
Review Yearly: Rebalance based on performance and goals.

FAQs on Lump Sum Mutual Funds

Q1. Is lump sum better than SIP?

A: Lump sum works well if you have a long-term horizon and invest during market corrections. SIP is safer for average investors.

Q2. What is the minimum amount for lump sum investment?

A: Most mutual funds in India allow lump sum starting from ₹5,000.

Q3. Can I invest lump sum in debt funds for short term?

A: Yes, corporate bond and short-term funds are suitable for 1–3 years.

Q4. Which category is best for lump sum?

A: Equity Funds (flexi-cap, large-cap, mid-cap) are best for 7–10 years; debt funds for short horizons.

Q5. Should I wait for a market crash before investing lump sum

A: Timing the market is difficult. Instead, use STP strategy if valuations look expensive.

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.