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Fincash » Mutual Funds » Lump Sum Investment in Mutual Funds

Lump Sum Investment in Mutual Funds

Updated on June 2, 2025 , 12464 views

Do you know that you can invest a lump sum amount in Mutual Funds? If yes, then it's good. However, if no, then don’t worry. This article will guide you through the same. Lump sum investment in Mutual Funds refers to a situation when an individual invests money in Mutual Funds at one-time. Here, the deposit does not take place at multiple times. There is a lot of difference between the SIP and lump sum mode of investment. So, let us understand the concept of Lump sum investment in Mutual Funds, best mutual funds for lump sum investment, things to be considered during lump sum investment, Mutual Fund Lump sum return calculator, and other related aspects through this article.

Lump sum Mutual Funds

What do you mean by Lump Sum Investment in Mutual Funds?

Lump sum investment in Mutual Fund is a scenario where individuals invest in Mutual Funds for only once. However, in contrast to SIP mode of investment where individuals deposit small amounts in lump sum mode, individuals deposit a considerable amount. In other words, it is a one-shot technique of Investing in Mutual Funds. Lump sum mode of investing in suitable for investors who have excess funds that are lying ideal in their Bank account and are looking to for channels to earn more Income by investing in Mutual Funds.

Best Mutual Fund for Lump Sum Investment in 2025 – 2026

Before you invest in Mutual Funds through lump sum mode, individuals need to consider various parameters such as AUM, investment amount, and much more. So, based on these parameters some of the best Mutual Funds for Lump sum investment are as follows.

Best Lump Investment in Equity Mutual Funds

Equity Funds are the schemes that invest their corpus in equity and equity-related instruments of various companies. These schemes are considered to be a good option for long-term investment. Though individuals can invest lump sum amount in equity funds yet the recommended technique of investing in equity funds is either through SIP or Systematic Transfer Plan (STP) mode. In STP mode, individuals first deposit a considerable money in Debt fund such as Liquid Funds and then the money is transferred at regular intervals in equity funds. Some of the Equity Mutual Funds that can be considered for investment are as follows.

FundNAVNet Assets (Cr)Min Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Nippon India Small Cap Fund Growth ₹166.966
↑ 0.75
₹58,029 5,000 19-6.912.427.338.926.1
ICICI Prudential Infrastructure Fund Growth ₹193.86
↑ 0.93
₹7,416 5,000 17.60.514.632.438.727.4
Motilal Oswal Midcap 30 Fund  Growth ₹99.9087
↑ 0.47
₹27,780 5,000 12.4-9.723.431.836.957.1
HDFC Infrastructure Fund Growth ₹47.343
↑ 0.00
₹2,392 5,000 19.3-1.311.333.236.523
IDFC Infrastructure Fund Growth ₹50.34
↑ 0.13
₹1,577 5,000 22.4-6.47.231.935.939.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Jun 25

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Best Lump Sum Investment in Debt Mutual Funds

Debt Funds invest their fund money in different Fixed Income instruments like treasury bills, corporate Bonds, and much more. These schemes are considered as a good option for short and medium term. Many individuals choose to invest lump sum money in Debt Mutual Funds. Some of the Best Debt Funds that can be chosen for lump sum investment are as follows.

FundNAVNet Assets (Cr)Min Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Aditya Birla Sun Life Medium Term Plan Growth ₹39.8892
↑ 0.02
₹2,338 1,000 47.515.114.910.57.68%3Y 7M 6D4Y 9M 29D
DSP BlackRock Credit Risk Fund Growth ₹49.5819
↑ 0.00
₹207 1,000 11.618.523.514.87.87.34%1Y 11M 5D2Y 7M 17D
L&T Credit Risk Fund Growth ₹32.2775
↑ 0.00
₹670 10,000 15.717.32211.37.27.44%2Y 6M 7D3Y 5M 12D
Aditya Birla Sun Life Credit Risk Fund Growth ₹22.2682
↑ 0.01
₹985 1,000 3.68.717.811.211.98.03%2Y 4M 24D3Y 8M 16D
Franklin India Credit Risk Fund Growth ₹25.3348
↑ 0.04
₹104 5,000 2.957.511 0%
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Jun 25

Best Hybrid Funds for Lump Sum Investment

Hybrid funds also known as Balanced Fund invest their money in both equity and fixed income instruments. These schemes are suitable for individuals looking for Capital generation along with regular income. Also known as balanced schemes, individuals can choose to invest lump sum amount in hybrid schemes. Some of the best hybrid funds for lump sum investment are listed below.

FundNAVNet Assets (Cr)Min Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
JM Equity Hybrid Fund Growth ₹117.799
↑ 0.64
₹802 5,000 7.9-6.45.622.626.827
BOI AXA Mid and Small Cap Equity and Debt Fund Growth ₹38.38
↑ 0.32
₹1,095 5,000 18.2-31522.227.525.8
HDFC Balanced Advantage Fund Growth ₹514.497
↑ 1.20
₹97,461 5,000 9.91.311.121.525.416.7
UTI Multi Asset Fund Growth ₹73.1754
↑ 0.24
₹5,517 5,000 8.91.611.520.417.620.7
ICICI Prudential Equity and Debt Fund Growth ₹384.74
↑ 0.90
₹42,340 5,000 10.73.415.120.32617.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Jun 25

Best Index Funds for Lump Sum Investment

The Portfolio of an index fund consists of the shares and other instruments in the same proportion as they are in the index. In other words, these schemes mimic the performance of an index. These are passively managed funds and can be considered as a good option for lump sum investment. Some of the best Index Funds that can be chosen for lump sum investment are as follows.

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Nippon India Index Fund - Sensex Plan Growth ₹41.0838
↑ 0.15
₹86911.20.31313.919.68.9
LIC MF Index Fund Sensex Growth ₹151.285
↑ 0.55
₹881112.313.419.18.2
Franklin India Index Fund Nifty Plan Growth ₹197.958
↑ 0.69
₹72711.60.913.114.620.19.5
SBI Nifty Index Fund Growth ₹216.863
↑ 0.77
₹9,57111.70.913.214.820.49.5
IDBI Nifty Index Fund Growth ₹36.2111
↓ -0.02
₹2089.111.916.220.311.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Jun 25

Best Mutual Funds based on Last 1 Month

1. DSP BlackRock 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

DSP BlackRock Small Cap Fund  is a Equity - Small Cap fund was launched on 14 Jun 07. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 18% since its launch.  Ranked 7 in Small Cap category.  Return for 2024 was 25.6% , 2023 was 41.2% and 2022 was 0.5% .

Below is the key information for DSP BlackRock Small Cap Fund 

DSP BlackRock Small Cap Fund 
Growth
Launch Date 14 Jun 07
NAV (04 Jun 25) ₹195.577 ↑ 0.76   (0.39 %)
Net Assets (Cr) ₹14,258 on 30 Apr 25
Category Equity - Small Cap
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk Moderately High
Expense Ratio 1.86
Sharpe Ratio -0.19
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.

DateValue
31 May 20₹10,000
31 May 21₹20,845
31 May 22₹24,582
31 May 23₹28,311
31 May 24₹38,905
31 May 25₹45,208

DSP BlackRock Small 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 ₹689,048.
Net Profit of ₹389,048
Invest Now

Returns for DSP BlackRock 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 4 Jun 25

DurationReturns
1 Month 15.4%
3 Month 23.6%
6 Month -3.7%
1 Year 22.2%
3 Year 23.3%
5 Year 33.9%
10 Year
15 Year
Since launch 18%
Historical performance (Yearly) on absolute basis
YearReturns
2024 25.6%
2023 41.2%
2022 0.5%
2021 58.9%
2020 33.1%
2019 0.7%
2018 -25.5%
2017 42.8%
2016 12.7%
2015 20.4%
Fund Manager information for DSP BlackRock Small Cap Fund 
NameSinceTenure
Vinit Sambre21 Jun 1014.95 Yr.
Resham Jain16 Mar 187.21 Yr.

Data below for DSP BlackRock Small Cap Fund  as on 30 Apr 25

Equity Sector Allocation
SectorValue
Consumer Cyclical31.87%
Basic Materials19.19%
Industrials14.54%
Health Care9.09%
Consumer Defensive7.8%
Financial Services5.91%
Technology3.26%
Communication Services1.01%
Utility0.16%
Asset Allocation
Asset ClassValue
Cash7.14%
Equity92.86%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Jubilant Ingrevia Ltd Ordinary Shares (Basic Materials)
Equity, Since 31 Dec 22 | JUBLINGREA
4%₹501 Cr7,800,000
Welspun Corp Ltd (Basic Materials)
Equity, Since 31 Mar 21 | 532144
3%₹448 Cr5,839,689
eClerx Services Ltd (Technology)
Equity, Since 28 Feb 18 | ECLERX
3%₹402 Cr1,600,000
Dodla Dairy Ltd (Consumer Defensive)
Equity, Since 30 Jun 21 | 543306
3%₹390 Cr3,750,000
Triveni Engineering & Industries Ltd (Consumer Defensive)
Equity, Since 31 Aug 17 | 532356
3%₹376 Cr9,200,000
Cyient Ltd (Industrials)
Equity, Since 30 Sep 21 | CYIENT
2%₹356 Cr3,000,000
Suprajit Engineering Ltd (Consumer Cyclical)
Equity, Since 30 Jun 14 | SUPRAJIT
2%₹356 Cr9,241,534
↓ -18,961
LT Foods Ltd (Consumer Defensive)
Equity, Since 31 Dec 17 | 532783
2%₹347 Cr10,000,000
↑ 300,000
Thangamayil Jewellery Ltd (Consumer Cyclical)
Equity, Since 30 Nov 21 | THANGAMAYL
2%₹333 Cr1,587,405
Safari Industries (India) Ltd (Consumer Cyclical)
Equity, Since 31 Dec 21 | 523025
2%₹327 Cr1,629,601

2. DSP BlackRock World Gold Fund

"The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized."

DSP BlackRock World Gold Fund is a Equity - Global fund was launched on 14 Sep 07. It is a fund with High risk and has given a CAGR/Annualized return of 6.6% since its launch.  Ranked 11 in Global category.  Return for 2024 was 15.9% , 2023 was 7% and 2022 was -7.7% .

Below is the key information for DSP BlackRock World Gold Fund

DSP BlackRock World Gold Fund
Growth
Launch Date 14 Sep 07
NAV (03 Jun 25) ₹31.0317 ↑ 0.02   (0.06 %)
Net Assets (Cr) ₹1,163 on 30 Apr 25
Category Equity - Global
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk High
Expense Ratio 1.35
Sharpe Ratio 1.52
Information Ratio -0.21
Alpha Ratio 1.14
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.

DateValue
31 May 20₹10,000
31 May 21₹10,912
31 May 22₹9,016
31 May 23₹9,312
31 May 24₹10,653
31 May 25₹15,913

DSP BlackRock World Gold Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518
Invest Now

Returns for DSP BlackRock World Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Jun 25

DurationReturns
1 Month 15%
3 Month 30.5%
6 Month 43%
1 Year 60%
3 Year 22%
5 Year 11.7%
10 Year
15 Year
Since launch 6.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 15.9%
2023 7%
2022 -7.7%
2021 -9%
2020 31.4%
2019 35.1%
2018 -10.7%
2017 -4%
2016 52.7%
2015 -18.5%
Fund Manager information for DSP BlackRock World Gold Fund
NameSinceTenure
Jay Kothari1 Mar 1312.26 Yr.

Data below for DSP BlackRock World Gold Fund as on 30 Apr 25

Equity Sector Allocation
SectorValue
Basic Materials90.73%
Asset Allocation
Asset ClassValue
Cash5.24%
Equity91.1%
Debt0.04%
Other3.62%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
BGF World Gold I2
Investment Fund | -
78%₹913 Cr1,684,538
↓ -117,413
VanEck Gold Miners ETF
- | GDX
21%₹239 Cr573,719
Treps / Reverse Repo Investments
CBLO/Reverse Repo | -
2%₹18 Cr
Net Receivables/Payables
Net Current Assets | -
1%-₹7 Cr

3. LIC MF Infrastructure Fund

The investment objective of the scheme is to provide long term growth from a portfolio of equity / equity related instruments of companies engaged either directly or indirectly in the infrastructure sector.

LIC MF Infrastructure Fund is a Equity - Sectoral fund was launched on 29 Feb 08. It is a fund with High risk and has given a CAGR/Annualized return of 9.7% since its launch.  Return for 2024 was 47.8% , 2023 was 44.4% and 2022 was 7.9% .

Below is the key information for LIC MF Infrastructure Fund

LIC MF Infrastructure Fund
Growth
Launch Date 29 Feb 08
NAV (04 Jun 25) ₹49.3922 ↑ 0.24   (0.50 %)
Net Assets (Cr) ₹887 on 30 Apr 25
Category Equity - Sectoral
AMC LIC Mutual Fund Asset Mgmt Co Ltd
Rating Not Rated
Risk High
Expense Ratio 2.3
Sharpe Ratio 0.03
Information Ratio 0.32
Alpha Ratio 3.02
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
31 May 20₹10,000
31 May 21₹16,695
31 May 22₹19,648
31 May 23₹22,758
31 May 24₹40,600
31 May 25₹44,117

LIC MF Infrastructure Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹689,048.
Net Profit of ₹389,048
Invest Now

Returns for LIC MF Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Jun 25

DurationReturns
1 Month 13.6%
3 Month 24.2%
6 Month -5%
1 Year 16.1%
3 Year 31.1%
5 Year 33.9%
10 Year
15 Year
Since launch 9.7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 47.8%
2023 44.4%
2022 7.9%
2021 46.6%
2020 -0.1%
2019 13.3%
2018 -14.6%
2017 42.2%
2016 -2.2%
2015 -6.2%
Fund Manager information for LIC MF Infrastructure Fund
NameSinceTenure
Yogesh Patil18 Sep 204.7 Yr.
Mahesh Bendre1 Jul 240.92 Yr.

Data below for LIC MF Infrastructure Fund as on 30 Apr 25

Equity Sector Allocation
SectorValue
Industrials57.02%
Basic Materials9.14%
Consumer Cyclical8.07%
Utility7.19%
Financial Services6.17%
Real Estate3.11%
Technology2.31%
Communication Services2.26%
Health Care0.51%
Energy0.44%
Asset Allocation
Asset ClassValue
Cash3.8%
Equity96.2%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Shakti Pumps (India) Ltd (Industrials)
Equity, Since 31 Mar 24 | SHAKTIPUMP
4%₹34 Cr408,127
Garware Hi-Tech Films Ltd (Basic Materials)
Equity, Since 31 Aug 23 | 500655
3%₹30 Cr94,287
Tata Power Co Ltd (Utilities)
Equity, Since 29 Feb 24 | 500400
3%₹28 Cr724,927
Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 31 May 24 | 500103
3%₹24 Cr1,062,199
↑ 79,197
REC Ltd (Financial Services)
Equity, Since 31 Jul 23 | 532955
3%₹24 Cr571,332
Hitachi Energy India Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jul 22 | POWERINDIA
3%₹23 Cr15,928
↑ 2,851
Afcons Infrastructure Ltd (Industrials)
Equity, Since 31 Oct 24 | AFCONS
3%₹22 Cr537,216
↑ 46,853
Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Oct 23 | HAL
2%₹22 Cr49,106
↑ 3,972
TD Power Systems Ltd (Industrials)
Equity, Since 30 Apr 23 | TDPOWERSYS
2%₹21 Cr476,469
GE Vernova T&D India Ltd (Industrials)
Equity, Since 31 Jan 24 | 522275
2%₹20 Cr126,914

4. Motilal Oswal Focused 25 Fund 

(Erstwhile Motilal Oswal MOSt Focused 25 Fund)

The investment objective of the Scheme is to achieve long term capital appreciation by investing in upto 25 companies with long term sustainable competitive advantage and growth potential. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved.

Motilal Oswal Focused 25 Fund  is a Equity - Focused fund was launched on 7 May 13. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 12.9% since its launch.  Ranked 28 in Focused category.  Return for 2024 was 13.6% , 2023 was 18.8% and 2022 was 2% .

Below is the key information for Motilal Oswal Focused 25 Fund 

Motilal Oswal Focused 25 Fund 
Growth
Launch Date 7 May 13
NAV (04 Jun 25) ₹43.3763 ↑ 0.16   (0.36 %)
Net Assets (Cr) ₹1,399 on 30 Apr 25
Category Equity - Focused
AMC Motilal Oswal Asset Management Co. Ltd
Rating
Risk Moderately High
Expense Ratio 0.94
Sharpe Ratio -0.59
Information Ratio -0.93
Alpha Ratio -14.34
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 May 20₹10,000
31 May 21₹15,331
31 May 22₹15,136
31 May 23₹16,874
31 May 24₹21,007
31 May 25₹21,349

Motilal Oswal Focused 25 Fund  SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579
Invest Now

Returns for Motilal Oswal Focused 25 Fund 

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Jun 25

DurationReturns
1 Month 13.5%
3 Month 21.8%
6 Month -7.1%
1 Year 6%
3 Year 12.4%
5 Year 15.4%
10 Year
15 Year
Since launch 12.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 13.6%
2023 18.8%
2022 2%
2021 14.6%
2020 17.3%
2019 17.1%
2018 -4.2%
2017 32.2%
2016 2.8%
2015 5.9%
Fund Manager information for Motilal Oswal Focused 25 Fund 
NameSinceTenure
Ajay Khandelwal1 Oct 240.66 Yr.
Rakesh Shetty22 Nov 222.52 Yr.
Atul Mehra1 Oct 240.66 Yr.
Sunil Sawant1 Jul 240.92 Yr.

Data below for Motilal Oswal Focused 25 Fund  as on 30 Apr 25

Equity Sector Allocation
SectorValue
Industrials33.8%
Financial Services26.03%
Technology15.14%
Consumer Cyclical12.67%
Consumer Defensive4.38%
Health Care3.94%
Basic Materials2.36%
Asset Allocation
Asset ClassValue
Cash1.68%
Equity98.32%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Piramal Enterprises Ltd (Financial Services)
Equity, Since 31 Aug 23 | PEL
9%₹144 Cr1,300,249
Religare Enterprises Ltd (Financial Services)
Equity, Since 31 Aug 23 | RELIGARE
8%₹131 Cr5,678,060
Bharat Dynamics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Mar 25 | BDL
7%₹116 Cr575,353
ZF Commercial Vehicle Control Systems India Ltd (Consumer Cyclical)
Equity, Since 31 Dec 23 | ZFCVINDIA
7%₹108 Cr80,638
One97 Communications Ltd (Technology)
Equity, Since 30 Apr 23 | 543396
6%₹87 Cr982,077
Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 31 Dec 24 | RADICO
4%₹68 Cr269,025
Suzlon Energy Ltd (Industrials)
Equity, Since 28 Feb 25 | SUZLON
4%₹67 Cr9,320,333
Zen Technologies Ltd (Industrials)
Equity, Since 31 Dec 24 | ZENTEC
4%₹64 Cr300,000
OneSource Specialty Pharma Ltd (Healthcare)
Equity, Since 31 Jan 25 | ONESOURCE
4%₹61 Cr318,723
Inox Wind Ltd (Industrials)
Equity, Since 31 Mar 25 | 539083
4%₹61 Cr3,116,610

5. Motilal Oswal Long Term Equity Fund

(Erstwhile Motilal Oswal MOSt Focused Long Term Fund)

The investment objective of the Scheme is to generate long-term capital appreciation from a diversified portfolio of predominantly equity and equity related instruments. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved.

Motilal Oswal Long Term Equity Fund is a Equity - ELSS fund was launched on 21 Jan 15. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 17.2% since its launch.  Return for 2024 was 47.7% , 2023 was 37% and 2022 was 1.8% .

Below is the key information for Motilal Oswal Long Term Equity Fund

Motilal Oswal Long Term Equity Fund
Growth
Launch Date 21 Jan 15
NAV (04 Jun 25) ₹51.7115 ↑ 0.17   (0.33 %)
Net Assets (Cr) ₹3,897 on 30 Apr 25
Category Equity - ELSS
AMC Motilal Oswal Asset Management Co. Ltd
Rating Not Rated
Risk Moderately High
Expense Ratio 0.74
Sharpe Ratio 0.08
Information Ratio 0.77
Alpha Ratio 1.58
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
31 May 20₹10,000
31 May 21₹16,160
31 May 22₹16,757
31 May 23₹20,100
31 May 24₹30,805
31 May 25₹35,818

Motilal Oswal Long Term 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 ₹612,552.
Net Profit of ₹312,552
Invest Now

Returns for Motilal Oswal Long Term 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 4 Jun 25

DurationReturns
1 Month 12.1%
3 Month 24.1%
6 Month -6%
1 Year 21.9%
3 Year 29.3%
5 Year 28.2%
10 Year
15 Year
Since launch 17.2%
Historical performance (Yearly) on absolute basis
YearReturns
2024 47.7%
2023 37%
2022 1.8%
2021 32.1%
2020 8.8%
2019 13.2%
2018 -8.7%
2017 44%
2016 12.5%
2015
Fund Manager information for Motilal Oswal Long Term Equity Fund
NameSinceTenure
Ajay Khandelwal11 Dec 231.47 Yr.
Rakesh Shetty22 Nov 222.52 Yr.
Atul Mehra1 Oct 240.66 Yr.

Data below for Motilal Oswal Long Term Equity Fund as on 30 Apr 25

Equity Sector Allocation
SectorValue
Industrials37.3%
Consumer Cyclical20.59%
Financial Services17.43%
Technology8.6%
Real Estate6.27%
Basic Materials5.67%
Health Care2.96%
Asset Allocation
Asset ClassValue
Cash1.18%
Equity98.82%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Trent Ltd (Consumer Cyclical)
Equity, Since 31 Aug 22 | TRENT
6%₹240 Cr425,260
Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Oct 23 | 543320
5%₹236 Cr9,923,692
Bharat Dynamics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Dec 23 | BDL
5%₹213 Cr1,056,315
Kaynes Technology India Ltd (Industrials)
Equity, Since 30 Jun 23 | KAYNES
4%₹178 Cr297,751
Suzlon Energy Ltd (Industrials)
Equity, Since 31 Jan 24 | SUZLON
4%₹177 Cr24,702,337
Inox Wind Ltd (Industrials)
Equity, Since 31 Dec 23 | 539083
4%₹159 Cr8,173,777
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Mar 24 | AMBER
4%₹156 Cr240,350
Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 29 Feb 24 | MCX
4%₹155 Cr235,083
Prestige Estates Projects Ltd (Real Estate)
Equity, Since 31 Oct 23 | PRESTIGE
4%₹155 Cr1,055,205
Bharat Electronics Ltd (Industrials)
Equity, Since 30 Apr 24 | BEL
3%₹152 Cr3,950,000

Things to be Considered During Lump Sum Investment

Before investing in Mutual Funds individuals need to take care a lot of parameters. It includes:

Timing the Market

When it comes to lump sum investing, individuals need to always look for Market timings especially with respect to equity-based funds. A good timing to invest lump sum is when the markets are low and there’s a scope that they will start appreciating soon. However, in case if the markets are already at peak then, it is better to stay off from lump sum investment.

Diversification

Diversification is also an important aspect that needs to be considered before investing lump sum. Individuals in case of lump sum investment should diversify their investments by spreading into multiple avenues. This will help to ensure that their overall portfolio performs well even if one of the schemes doesn’t perform.

Do Your Investment as per Your Objective

Any investment that individuals do is to attain a particular objective. Therefore, individuals should check whether the scheme’s approach is in-line with the investor’s objective. Here, individuals should look for various parameters such as CAGR returns, Absolute returns, the impact of taxation and much more before investing in the scheme.

Redemption should be done at the Correct Time

Individuals should do their Redemption at the correct time in lump sum investment. Though it can be as per the investment objective yet; individuals should do a timely review of the scheme in which they are planning to invest. However, they also need to hold their investments for a longer duration so that they can enjoy maximum benefits.

Mutual Fund Lump Sum Return Calculator

Mutual Fund lump sum return calculator helps individuals to show how the lump sum investment of an individual grows over a given timeframe. Some of the data that needs to input in the lump sum calculator includes the tenure of the investment, initial investment amount, long-term expected growth rate and much more. An illustration of the Mutual Fund lump sum return calculator is as follows.

ILLUSTRATION

Lump Sum Investment: INR 25,000

Investment Tenure: 15 Years

Long-term Growth Rate (Approx.): 15%

Expected Returns as per Lump Sum Calculator: INR 2,03,427

Net Profit on the Investment: INR 1,78,427

Lump-Sum-Calculator

Thus, the above calculation shows that the net profit on the investment on your investment is INR 1,78,427 while the total value of your investment is INR 2,03,427.

Advantages and Disadvantages of One-Time Investment in Mutual Fund

Similar to SIP, Lump Sum Investment also has its own set of advantages and disadvantages. So, let us look at these advantages and disadvantages.

Advantages

The advantages of Lump Sum investment are as follows.

  • Invest Big Amount: Individuals can invest big amounts in Mutual Funds and earn higher returns instead of keeping the funds idle.
  • Ideal for Long Term: Lump Sum mode of investment is good for long-term investments specially in case of equity funds. However, in case of debt funds, the tenure can be short or medium-term
  • Convenience: Lump sum mode of investment is convenient as the payment is done only once and is not deducted at regular intervals.

Disadvantages

The disadvantages of Lump Sum investment are:

  • Irregular Investment: Lump Sum investment does not ensure regular savings of an investor as it does not instil regular savings habit.
  • Higher Risk: In Lump Sum investing, it is important to look at the timings. This is because in lump sum mode the investment is done only once and not at regular intervals. Therefore, if individuals do not consider the timing, then they might end up in losses.

Conclusion

Thus, from the above pointers, it can be said that lump sum mode is also a good way to invest in Mutual Funds. However, individuals need to be confident while investing a lump sum amount in the scheme. If not, they can choose SIP mode of investment. In addition, people should understand the scheme’s modalities before investing. If required, they can even consult a financial advisor. This will help them to ensure that their money is safe and their objectives are accomplished on time.

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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