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Fincash » Mutual Funds » Lump Sum Investment in Mutual Funds

Lump Sum Investment in Mutual Funds

Updated on October 17, 2020 , 1245 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 2020 – 2021

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 (%)2019 (%)
Franklin India Feeder - Franklin U S Opportunities Fund Growth ₹47.6283
↓ -0.14
₹2,252 5,000 9.93348.125.818.634.2
DSP BlackRock World Gold Fund Growth ₹21.0257
↑ 0.02
₹860 1,000 2.428.757.618.41735.1
Aditya Birla Sun Life Digital India Fund Growth ₹74.83
↑ 0.01
₹611 1,000 26.962.437.425.3169.6
Nippon India US Equity Opportunites Fund Growth ₹19.645
↑ 0.06
₹200 5,000 321.220.417.715.831.8
ICICI Prudential US Bluechip Equity Fund Growth ₹34.76
↑ 0.16
₹822 5,000 2.713.618.417.214.834.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 16 Oct 20

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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 (%)2019 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
IDFC Government Securities Fund - Constant Maturity Plan Growth ₹35.4041
↑ 0.05
₹308 5,000 0.6713.212.414.26.3%6Y 8M 19D9Y 5M 1D
ICICI Prudential Constant Maturity Gilt Fund Growth ₹18.8869
↑ 0.01
₹272 5,000 1.37.713.71112.86.2%6Y 9M 29D9Y 5M 8D
SBI Magnum Constant Maturity Fund Growth ₹49.211
↑ 0.04
₹745 5,000 0.96.311.410.811.96.22%6Y 8M 19D9Y 9M
IDFC Government Securities Fund - Investment Plan Growth ₹27.5137
↑ 0.03
₹1,596 5,000 0.77.413.710.313.36.14%5Y 7M 2D7Y 3M 25D
Edelweiss Banking and PSU Debt Fund Growth ₹18.783
↑ 0.01
₹374 5,000 0.87.613.810.112.96.75%6Y 8Y 7M 6D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Oct 20

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 (%)2019 (%)
Canara Robeco Equity Debt Allocation Fund Growth ₹178.48
↑ 0.60
₹3,438 5,000 6.917.99.77.69.111.7
ICICI Prudential MIP 25 Growth ₹48.221
↑ 0.09
₹2,115 5,000 3.89.29.17.58.89.6
Canara Robeco Income Saver Fund Growth ₹65.3173
↑ 0.07
₹274 5,000 2.910.110.57.47.210.6
Edelweiss Balanced Advantage Fund Growth ₹27.02
↑ 0.17
₹1,585 1,000 5.815.111.97.17.77.8
BNP Paribas Substantial Equity Hybrid Fund Growth ₹13.1255
↑ 0.05
₹452 5,000 3.413.947 16.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Oct 20

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 (%)2019 (%)
Nippon India Index Fund - Sensex Plan Growth ₹20.0024
↑ 0.22
₹989.228.43.47.78.314.2
LIC MF Index Fund Sensex Growth ₹75.2875
↑ 0.82
₹249.1283.47.5814.6
ICICI Prudential Nifty Index Fund Growth ₹115.319
↑ 1.06
₹9588.928.125.57.812.8
UTI Nifty Index Fund Growth ₹78.2128
↑ 0.73
₹2,7119.128.62.26.18.413.2
Franklin India Index Fund Nifty Plan Growth ₹93.8215
↑ 0.85
₹327927.91.55.17.412
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Oct 20

Best Mutual Funds based on Last 1 Month

1. TATA Banking and Financial Services Fund

The investment objective of the scheme is to seek long term capital appreciation by investing atleast 80% of its net assets in equity/equity related instruments of the companies in the Banking and Financial Services sector in India.

TATA Banking and Financial Services Fund is a Equity - Sectoral fund was launched on 28 Dec 15. It is a fund with High risk and has given a CAGR/Annualized return of 13% since its launch.  Return for 2019 was 25.7% , 2018 was -0.1% and 2017 was 45% .

Below is the key information for TATA Banking and Financial Services Fund

TATA Banking and Financial Services Fund
Growth
Launch Date 28 Dec 15
NAV (19 Oct 20) ₹18.0163 ↑ 0.43   (2.46 %)
Net Assets (Cr) ₹449 on 30 Sep 20
Category Equity - Sectoral
AMC Tata Asset Management Limited
Rating Not Rated
Risk High
Expense Ratio 2.5
Sharpe Ratio -0.43
Information Ratio -0.53
Alpha Ratio -1.53
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-3 Months (0.25%),3 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 16₹12,939
30 Sep 17₹16,993
30 Sep 18₹15,820
30 Sep 19₹19,683
30 Sep 20₹16,373

TATA Banking and Financial Services Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹307,716.
Net Profit of ₹7,716
Invest Now

Returns for TATA Banking and Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Oct 20

DurationReturns
1 Month 8.4%
3 Month 7.7%
6 Month 18%
1 Year -9.5%
3 Year 0.5%
5 Year
10 Year
15 Year
Since launch 13%
Historical performance (Yearly) on absolute basis
YearReturns
2019 25.7%
2018 -0.1%
2017 45%
2016 17.8%
2015
2014
2013
2012
2011
2010
Fund Manager information for TATA Banking and Financial Services Fund
NameSinceTenure
Sonam Udasi1 Apr 164.5 Yr.
Amey Sathe18 Jun 182.29 Yr.

Data below for TATA Banking and Financial Services Fund as on 30 Sep 20

Equity Sector Allocation
SectorValue
Financial Services94.95%
Asset Allocation
Asset ClassValue
Cash5.48%
Equity94.95%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 16 | HDFCBANK
24%₹108 Cr1,002,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK
14%₹61 Cr1,715,000
Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 31 Mar 17 | HDFC
12%₹54 Cr312,200
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jan 16 | KOTAKBANK
10%₹45 Cr353,000
Axis Bank Ltd (Financial Services)
Equity, Since 30 Nov 18 | 532215
6%₹29 Cr680,000
↑ 50,000
HDFC Life Insurance Co Ltd (Financial Services)
Equity, Since 31 Jul 19 | 540777
5%₹21 Cr370,000
HDFC Asset Management Company Limited (Financial Services)
Equity, Since 31 Dec 19 | 541729
4%₹18 Cr80,500
↓ -10,000
SBI Cards and Payment Services Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Mar 20 | 543066
4%₹18 Cr214,771
↓ -9,700
City Union Bank Ltd (Financial Services)
Equity, Since 31 Jan 16 | CUB
3%₹15 Cr1,076,990
Muthoot Finance Ltd (Financial Services)
Equity, Since 30 Jun 16 | 533398
3%₹12 Cr105,500

2. Sundaram Financial Services Opportunities Fund

Seek capital appreciation by investing predominantly in equity and equity related securities of indian companies engaged in banking and financial Services.

Sundaram Financial Services Opportunities Fund is a Equity - Sectoral fund was launched on 10 Jun 08. It is a fund with High risk and has given a CAGR/Annualized return of 11.8% since its launch.  Ranked 23 in Sectoral category.  Return for 2019 was 26.4% , 2018 was -3.7% and 2017 was 33.3% .

Below is the key information for Sundaram Financial Services Opportunities Fund

Sundaram Financial Services Opportunities Fund
Growth
Launch Date 10 Jun 08
NAV (19 Oct 20) ₹39.4793 ↑ 0.98   (2.53 %)
Net Assets (Cr) ₹208 on 30 Sep 20
Category Equity - Sectoral
AMC Sundaram Asset Management Company Ltd
Rating
Risk High
Expense Ratio 2.76
Sharpe Ratio -0.39
Information Ratio -1.16
Alpha Ratio -0.09
Min Investment 100,000
Min SIP Investment 100
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 15₹10,000
30 Sep 16₹11,658
30 Sep 17₹13,782
30 Sep 18₹13,056
30 Sep 19₹16,015
30 Sep 20₹13,141

Sundaram Financial Services Opportunities Fund SIP Returns

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

Returns for Sundaram Financial Services Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Oct 20

DurationReturns
1 Month 8.3%
3 Month 8.1%
6 Month 18.5%
1 Year -10.4%
3 Year 1.3%
5 Year 7.2%
10 Year
15 Year
Since launch 11.8%
Historical performance (Yearly) on absolute basis
YearReturns
2019 26.4%
2018 -3.7%
2017 33.3%
2016 12.8%
2015 -9%
2014 58%
2013 -12.4%
2012 47.1%
2011 -32.9%
2010 35.5%
Fund Manager information for Sundaram Financial Services Opportunities Fund
NameSinceTenure
Dwijendra Srivastava30 Dec 172.75 Yr.
Ratish Varier23 Jul 200.19 Yr.
Rahul Baijal1 Apr 191.5 Yr.

Data below for Sundaram Financial Services Opportunities Fund as on 30 Sep 20

Equity Sector Allocation
SectorValue
Financial Services98.14%
Asset Allocation
Asset ClassValue
Cash1.43%
Equity98.57%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 08 | HDFCBANK
24%₹50 Cr464,912
Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 31 Jul 18 | HDFC
16%₹32 Cr185,907
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Jun 10 | ICICIBANK
13%₹28 Cr787,588
Axis Bank Ltd (Financial Services)
Equity, Since 28 Feb 10 | 532215
7%₹15 Cr347,482
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 30 Apr 15 | KOTAKBANK
6%₹12 Cr94,180
Mahindra & Mahindra Financial Services Ltd (Financial Services)
Equity, Since 30 Sep 19 | M&MFIN
4%₹9 Cr715,122
Cholamandalam Investment and Finance Co Ltd (Financial Services)
Equity, Since 29 Feb 20 | CHOLAFIN
4%₹8 Cr316,141
Bajaj Finserv Ltd (Financial Services)
Equity, Since 31 Aug 18 | 532978
3%₹6 Cr9,946
State Bank of India (Financial Services)
Equity, Since 31 Dec 08 | SBIN
3%₹6 Cr307,327
SBI Life Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 17 | 540719
2%₹5 Cr63,290
↓ -12,532

3. SBI Banking & Financial Services Fund

The investment objective of the scheme is to generate long-term capital appreciation to unit holders from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services. However, there can be no assurance that the investment objective of the Scheme will be realized.

SBI Banking & Financial Services Fund is a Equity - Sectoral fund was launched on 26 Feb 15. It is a fund with High risk and has given a CAGR/Annualized return of 9.7% since its launch.  Return for 2019 was 20.7% , 2018 was 9.5% and 2017 was 40.7% .

Below is the key information for SBI Banking & Financial Services Fund

SBI Banking & Financial Services Fund
Growth
Launch Date 26 Feb 15
NAV (19 Oct 20) ₹16.8897 ↑ 0.40   (2.40 %)
Net Assets (Cr) ₹1,495 on 30 Sep 20
Category Equity - Sectoral
AMC SBI Funds Management Private Limited
Rating Not Rated
Risk High
Expense Ratio 2.74
Sharpe Ratio -0.3
Information Ratio -0.08
Alpha Ratio 3.68
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 15₹10,000
30 Sep 16₹12,855
30 Sep 17₹15,829
30 Sep 18₹16,550
30 Sep 19₹20,043
30 Sep 20₹16,910

SBI Banking & Financial Services Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684
Invest Now

Returns for SBI Banking & Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Oct 20

DurationReturns
1 Month 8%
3 Month 9.5%
6 Month 20.1%
1 Year -8.1%
3 Year 4.6%
5 Year 12.3%
10 Year
15 Year
Since launch 9.7%
Historical performance (Yearly) on absolute basis
YearReturns
2019 20.7%
2018 9.5%
2017 40.7%
2016 17%
2015
2014
2013
2012
2011
2010
Fund Manager information for SBI Banking & Financial Services Fund
NameSinceTenure
Milind Agrawal1 Aug 191.17 Yr.

Data below for SBI Banking & Financial Services Fund as on 30 Sep 20

Equity Sector Allocation
SectorValue
Financial Services95.88%
Asset Allocation
Asset ClassValue
Cash3.53%
Equity96.47%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 28 Feb 15 | HDFCBANK
26%₹387 Cr3,588,360
↑ 70,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 16 | ICICIBANK
13%₹198 Cr5,575,814
↑ 400,000
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Mar 15 | KOTAKBANK
10%₹148 Cr1,165,000
Axis Bank Ltd (Financial Services)
Equity, Since 30 Jun 18 | 532215
9%₹131 Cr3,077,122
↑ 170,000
State Bank of India (Financial Services)
Equity, Since 31 Jul 18 | SBIN
6%₹91 Cr4,885,000
ICICI Lombard General Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 19 | 540716
5%₹79 Cr605,000
Cholamandalam Investment and Finance Co Ltd (Financial Services)
Equity, Since 31 Aug 19 | CHOLAFIN
3%₹42 Cr1,700,000
Muthoot Finance Ltd (Financial Services)
Equity, Since 30 Sep 19 | 533398
3%₹42 Cr367,665
ICICI Prudential Life Insurance Co Ltd (Financial Services)
Equity, Since 31 Mar 19 | 540133
3%₹41 Cr975,000
Mahindra & Mahindra Financial Services Ltd (Financial Services)
Equity, Since 31 Aug 19 | M&MFIN
3%₹39 Cr3,160,000

4. Baroda Pioneer Banking And Financial Services Fund

The investment objective is to generate long-term capital appreciation for unit holders from a portfolio invested predominantly in equity and equity related securities of companies engaged in the Banking & Financial Services Sector.

Baroda Pioneer Banking And Financial Services Fund is a Equity - Sectoral fund was launched on 22 Jun 12. It is a fund with High risk and has given a CAGR/Annualized return of 9.1% since its launch.  Ranked 32 in Sectoral category.  Return for 2019 was 23.1% , 2018 was 1.2% and 2017 was 32.9% .

Below is the key information for Baroda Pioneer Banking And Financial Services Fund

Baroda Pioneer Banking And Financial Services Fund
Growth
Launch Date 22 Jun 12
NAV (19 Oct 20) ₹20.63 ↑ 0.55   (2.74 %)
Net Assets (Cr) ₹40 on 30 Sep 20
Category Equity - Sectoral
AMC Baroda Pioneer Asset Management Co. Ltd.
Rating
Risk High
Expense Ratio 2.61
Sharpe Ratio -0.51
Information Ratio 0.21
Alpha Ratio 1.39
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 15₹10,000
30 Sep 16₹11,505
30 Sep 17₹13,322
30 Sep 18₹13,103
30 Sep 19₹15,752
30 Sep 20₹12,410

Baroda Pioneer Banking And Financial Services Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹357,992.
Net Profit of ₹57,992
Invest Now

Returns for Baroda Pioneer Banking And Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Oct 20

DurationReturns
1 Month 7.9%
3 Month 9.3%
6 Month 14%
1 Year -13.1%
3 Year 0.4%
5 Year 6.1%
10 Year
15 Year
Since launch 9.1%
Historical performance (Yearly) on absolute basis
YearReturns
2019 23.1%
2018 1.2%
2017 32.9%
2016 8.7%
2015 -11.8%
2014 59%
2013 -13.1%
2012
2011
2010
Fund Manager information for Baroda Pioneer Banking And Financial Services Fund
NameSinceTenure
Dipak Acharya22 Jun 128.28 Yr.

Data below for Baroda Pioneer Banking And Financial Services Fund as on 30 Sep 20

Equity Sector Allocation
SectorValue
Financial Services92.47%
Asset Allocation
Asset ClassValue
Cash7.53%
Equity92.47%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 May 14 | HDFCBANK
24%₹10 Cr90,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jul 12 | ICICIBANK
16%₹6 Cr183,000
↓ -20,500
Axis Bank Ltd (Financial Services)
Equity, Since 30 Nov 16 | 532215
9%₹4 Cr90,000
IndusInd Bank Ltd (Financial Services)
Equity, Since 31 Aug 20 | INDUSINDBK
5%₹2 Cr40,000
↑ 20,000
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jul 13 | KOTAKBANK
5%₹2 Cr15,000
State Bank of India (Financial Services)
Equity, Since 30 Jun 12 | SBIN
4%₹2 Cr95,000
SBI Cards and Payment Services Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Mar 20 | 543066
4%₹2 Cr20,000
SBI Life Insurance Co Ltd (Financial Services)
Equity, Since 31 Jan 20 | 540719
3%₹1 Cr15,000
City Union Bank Ltd (Financial Services)
Equity, Since 31 Aug 17 | CUB
3%₹1 Cr85,000
Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 28 Feb 19 | HDFC
3%₹1 Cr6,500
↓ -3,500

5. LIC MF Banking & Financial Services Fund

The investment objective of the scheme is to generate long-term capital appreciation for unit holders from a portfolio that is invested substantially in equity and equity related securities of companies engaged in banking & financial services sector. However, there can be no assurance that the investment objective of the Scheme will be realised.

LIC MF Banking & Financial Services Fund is a Equity - Sectoral fund was launched on 27 Mar 15. It is a fund with High risk and has given a CAGR/Annualized return of -0.6% since its launch.  Return for 2019 was 19.9% , 2018 was -18% and 2017 was 32.7% .

Below is the key information for LIC MF Banking & Financial Services Fund

LIC MF Banking & Financial Services Fund
Growth
Launch Date 27 Mar 15
NAV (19 Oct 20) ₹9.6677 ↑ 0.25   (2.64 %)
Net Assets (Cr) ₹47 on 30 Sep 20
Category Equity - Sectoral
AMC LIC Mutual Fund Asset Mgmt Co Ltd
Rating Not Rated
Risk High
Expense Ratio 2.82
Sharpe Ratio -0.57
Information Ratio -0.86
Alpha Ratio -7.24
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 15₹10,000
30 Sep 16₹10,925
30 Sep 17₹11,777
30 Sep 18₹10,167
30 Sep 19₹12,214
30 Sep 20₹9,438

LIC MF Banking & Financial Services Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹307,716.
Net Profit of ₹7,716
Invest Now

Returns for LIC MF Banking & Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Oct 20

DurationReturns
1 Month 7.9%
3 Month 8.5%
6 Month 17.4%
1 Year -15.3%
3 Year -4.4%
5 Year 0.7%
10 Year
15 Year
Since launch -0.6%
Historical performance (Yearly) on absolute basis
YearReturns
2019 19.9%
2018 -18%
2017 32.7%
2016 10.5%
2015
2014
2013
2012
2011
2010
Fund Manager information for LIC MF Banking & Financial Services Fund
NameSinceTenure
Yogesh Patil1 Oct 182 Yr.

Data below for LIC MF Banking & Financial Services Fund as on 30 Sep 20

Equity Sector Allocation
SectorValue
Financial Services91.21%
Asset Allocation
Asset ClassValue
Cash8.79%
Equity91.21%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 15 | HDFCBANK
26%₹12 Cr114,900
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Apr 15 | ICICIBANK
13%₹6 Cr171,498
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jan 16 | KOTAKBANK
10%₹5 Cr37,101
Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 31 Mar 18 | HDFC
8%₹4 Cr20,937
Axis Bank Ltd (Financial Services)
Equity, Since 30 Apr 15 | 532215
7%₹3 Cr75,338
City Union Bank Ltd (Financial Services)
Equity, Since 30 Apr 15 | CUB
6%₹3 Cr192,371
State Bank of India (Financial Services)
Equity, Since 31 Mar 20 | SBIN
4%₹2 Cr93,900
↑ 10,000
The Federal Bank Ltd (Financial Services)
Equity, Since 31 Jul 20 | FEDERALBNK
4%₹2 Cr342,300
ICICI Lombard General Insurance Co Ltd (Financial Services)
Equity, Since 30 Apr 18 | 540716
3%₹2 Cr12,204
DCB Bank Ltd (Financial Services)
Equity, Since 30 Apr 15 | 532772
3%₹1 Cr177,876

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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