+91-22-48913909Lump Sum Investment in Mutual Funds
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.
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 2026 – 2027
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.
Fund Selection Methodology used to find 5 funds
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 funds 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.
Fund NAV Net Assets (Cr) Min Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) DSP World Gold Fund Growth ₹62.6003
↓ -0.99 ₹1,975 1,000 18.2 53 155.4 59.6 29.5 167.1 SBI PSU Fund Growth ₹34.4811
↓ -0.96 ₹5,980 5,000 4.4 9.1 24.1 31.4 25.7 11.3 ICICI Prudential Infrastructure Fund Growth ₹182.19
↓ -4.22 ₹8,077 5,000 -6.5 -6 8.9 21.7 23.8 6.7 Invesco India PSU Equity Fund Growth ₹64.6
↓ -1.96 ₹1,492 5,000 0.6 2.6 22.5 29.3 23.7 10.3 DSP India T.I.G.E.R Fund Growth ₹306.793
↓ -8.18 ₹5,184 1,000 -1.4 -2.5 15.2 24 22.5 -2.5 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 Mar 26 Research Highlights & Commentary of 5 Funds showcased
Commentary DSP World Gold Fund SBI PSU Fund ICICI Prudential Infrastructure Fund Invesco India PSU Equity Fund DSP India T.I.G.E.R Fund Point 1 Bottom quartile AUM (₹1,975 Cr). Upper mid AUM (₹5,980 Cr). Highest AUM (₹8,077 Cr). Bottom quartile AUM (₹1,492 Cr). Lower mid AUM (₹5,184 Cr). Point 2 Established history (18+ yrs). Established history (15+ yrs). Established history (20+ yrs). Established history (16+ yrs). Oldest track record among peers (21 yrs). Point 3 Rating: 3★ (upper mid). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Top rated. Point 4 Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: High. Point 5 5Y return: 29.53% (top quartile). 5Y return: 25.71% (upper mid). 5Y return: 23.77% (lower mid). 5Y return: 23.68% (bottom quartile). 5Y return: 22.46% (bottom quartile). Point 6 3Y return: 59.57% (top quartile). 3Y return: 31.41% (upper mid). 3Y return: 21.74% (bottom quartile). 3Y return: 29.32% (lower mid). 3Y return: 24.04% (bottom quartile). Point 7 1Y return: 155.40% (top quartile). 1Y return: 24.12% (upper mid). 1Y return: 8.93% (bottom quartile). 1Y return: 22.53% (lower mid). 1Y return: 15.20% (bottom quartile). Point 8 Alpha: 2.12 (top quartile). Alpha: 0.05 (upper mid). Alpha: 0.00 (lower mid). Alpha: -2.70 (bottom quartile). Alpha: 0.00 (bottom quartile). Point 9 Sharpe: 3.41 (top quartile). Sharpe: 0.63 (upper mid). Sharpe: 0.15 (bottom quartile). Sharpe: 0.53 (lower mid). Sharpe: 0.08 (bottom quartile). Point 10 Information ratio: -0.47 (lower mid). Information ratio: -0.63 (bottom quartile). Information ratio: 0.00 (top quartile). Information ratio: -0.50 (bottom quartile). Information ratio: 0.00 (upper mid). DSP World Gold Fund
SBI PSU Fund
ICICI Prudential Infrastructure Fund
Invesco India PSU Equity Fund
DSP India T.I.G.E.R Fund
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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.
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 ₹50.7407
↓ -0.01 ₹217 1,000 0.2 1.4 5.8 14.3 21 7.67% 2Y 5M 5D 3Y 4M 24D Aditya Birla Sun Life Credit Risk Fund Growth ₹24.3349
↓ -0.01 ₹1,138 1,000 4.7 7.1 13 11.9 13.4 7.96% 2Y 4M 28D 3Y 2M 23D Franklin India Credit Risk Fund Growth ₹25.3348
↑ 0.04 ₹104 5,000 2.9 5 7.5 11 0% Aditya Birla Sun Life Medium Term Plan Growth ₹42.3277
↓ -0.01 ₹2,982 1,000 2.9 4.8 10 9.9 10.9 7.78% 3Y 4M 24D 4Y 6M 7D Invesco India Credit Risk Fund Growth ₹2,000.83
↓ -0.69 ₹158 5,000 1.1 2.6 6.6 9.3 9.2 7.46% 2Y 3M 4D 3Y Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 13 Mar 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 Aditya Birla Sun Life Medium Term Plan Invesco India Credit Risk Fund Point 1 Lower mid AUM (₹217 Cr). Upper mid AUM (₹1,138 Cr). Bottom quartile AUM (₹104 Cr). Highest AUM (₹2,982 Cr). Bottom quartile AUM (₹158 Cr). Point 2 Oldest track record among peers (22 yrs). Established history (10+ yrs). Established history (14+ yrs). Established history (16+ yrs). Established history (11+ yrs). Point 3 Top rated. Not Rated. Rating: 1★ (bottom quartile). Rating: 4★ (upper mid). Rating: 4★ (lower mid). Point 4 Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Point 5 1Y return: 5.84% (bottom quartile). 1Y return: 12.98% (top quartile). 1Y return: 7.45% (lower mid). 1Y return: 10.01% (upper mid). 1Y return: 6.64% (bottom quartile). Point 6 1M return: 0.96% (top quartile). 1M return: 0.19% (bottom quartile). 1M return: 0.91% (upper mid). 1M return: 0.24% (bottom quartile). 1M return: 0.40% (lower mid). Point 7 Sharpe: 1.48 (lower mid). Sharpe: 2.38 (top quartile). Sharpe: 0.29 (bottom quartile). Sharpe: 2.33 (upper mid). Sharpe: 1.11 (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): 7.67% (lower mid). Yield to maturity (debt): 7.96% (top quartile). Yield to maturity (debt): 0.00% (bottom quartile). Yield to maturity (debt): 7.78% (upper mid). Yield to maturity (debt): 7.46% (bottom quartile). Point 10 Modified duration: 2.43 yrs (bottom quartile). Modified duration: 2.41 yrs (lower mid). Modified duration: 0.00 yrs (top quartile). Modified duration: 3.40 yrs (bottom quartile). Modified duration: 2.26 yrs (upper mid). DSP Credit Risk Fund
Aditya Birla Sun Life Credit Risk Fund
Franklin India Credit Risk Fund
Aditya Birla Sun Life Medium Term Plan
Invesco India Credit Risk Fund
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.
Fund NAV Net Assets (Cr) Min Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) SBI Multi Asset Allocation Fund Growth ₹64.742
↓ -0.77 ₹14,944 5,000 -0.1 7.1 20.1 18.6 14.3 18.6 UTI Multi Asset Fund Growth ₹75.3036
↓ -1.16 ₹6,848 5,000 -4.8 -0.6 11.3 18.4 13.3 11.1 ICICI Prudential Multi-Asset Fund Growth ₹791.913
↓ -4.90 ₹80,768 5,000 -2.7 2.2 13.4 18.4 18.5 18.6 ICICI Prudential Equity and Debt Fund Growth ₹385.44
↓ -6.09 ₹49,257 5,000 -6.1 -3.5 9.2 17.4 17.3 13.3 BOI AXA Mid and Small Cap Equity and Debt Fund Growth ₹36.38
↓ -0.79 ₹1,329 5,000 -3.2 -4.2 11.3 17.3 16.2 -0.9 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 13 Mar 26 Research Highlights & Commentary of 5 Funds showcased
Commentary SBI Multi Asset Allocation Fund UTI Multi Asset Fund ICICI Prudential Multi-Asset Fund ICICI Prudential Equity and Debt Fund BOI AXA Mid and Small Cap Equity and Debt Fund Point 1 Lower mid AUM (₹14,944 Cr). Bottom quartile AUM (₹6,848 Cr). Highest AUM (₹80,768 Cr). Upper mid AUM (₹49,257 Cr). Bottom quartile AUM (₹1,329 Cr). Point 2 Established history (20+ yrs). Established history (17+ yrs). Established history (23+ yrs). Oldest track record among peers (26 yrs). Established history (9+ yrs). Point 3 Top rated. Rating: 1★ (bottom quartile). Rating: 2★ (lower mid). Rating: 4★ (upper mid). Not Rated. Point 4 Risk profile: Moderate. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 14.35% (bottom quartile). 5Y return: 13.30% (bottom quartile). 5Y return: 18.51% (top quartile). 5Y return: 17.28% (upper mid). 5Y return: 16.20% (lower mid). Point 6 3Y return: 18.63% (top quartile). 3Y return: 18.43% (upper mid). 3Y return: 18.39% (lower mid). 3Y return: 17.38% (bottom quartile). 3Y return: 17.27% (bottom quartile). Point 7 1Y return: 20.14% (top quartile). 1Y return: 11.27% (bottom quartile). 1Y return: 13.45% (upper mid). 1Y return: 9.20% (bottom quartile). 1Y return: 11.32% (lower mid). Point 8 1M return: -2.90% (top quartile). 1M return: -5.04% (bottom quartile). 1M return: -4.40% (lower mid). 1M return: -5.55% (bottom quartile). 1M return: -4.39% (upper mid). Point 9 Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Alpha: 3.54 (top quartile). Alpha: 0.00 (bottom quartile). Point 10 Sharpe: 2.05 (top quartile). Sharpe: 0.76 (lower mid). Sharpe: 1.48 (upper mid). Sharpe: 0.62 (bottom quartile). Sharpe: 0.08 (bottom quartile). SBI Multi Asset Allocation Fund
UTI Multi Asset Fund
ICICI Prudential Multi-Asset Fund
ICICI Prudential Equity and Debt Fund
BOI AXA Mid and Small Cap Equity and Debt Fund
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.
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Nippon India Index Fund - Sensex Plan Growth ₹37.9652
↓ -0.75 ₹957 -12.6 -9 1.6 9.3 8.6 9.8 LIC MF Index Fund Sensex Growth ₹139.093
↓ -2.74 ₹91 -12.7 -9.3 0.9 8.7 8.1 9.1 Franklin India Index Fund Nifty Plan Growth ₹186.859
↓ -3.92 ₹766 -11.2 -7.8 3.9 11.1 9.5 11.3 IDBI Nifty Index Fund Growth ₹36.2111
↓ -0.02 ₹208 9.1 11.9 16.2 20.3 11.7 Nippon India Index Fund - Nifty Plan Growth ₹39.3286
↓ -0.83 ₹3,078 -11.1 -7.8 4 11.2 9.5 11.4 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 13 Mar 26 Research Highlights & Commentary of 5 Funds showcased
Commentary Nippon India Index Fund - Sensex Plan LIC MF Index Fund Sensex Franklin India Index Fund Nifty Plan IDBI Nifty Index Fund Nippon India Index Fund - Nifty Plan Point 1 Upper mid AUM (₹957 Cr). Bottom quartile AUM (₹91 Cr). Lower mid AUM (₹766 Cr). Bottom quartile AUM (₹208 Cr). Highest AUM (₹3,078 Cr). Point 2 Established history (15+ yrs). Established history (23+ yrs). Oldest track record among peers (25 yrs). Established history (15+ yrs). Established history (15+ yrs). Point 3 Top rated. Rating: 1★ (upper mid). Rating: 1★ (lower mid). Rating: 1★ (bottom quartile). Rating: 1★ (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: 8.59% (bottom quartile). 5Y return: 8.07% (bottom quartile). 5Y return: 9.52% (upper mid). 5Y return: 11.74% (top quartile). 5Y return: 9.48% (lower mid). Point 6 3Y return: 9.28% (bottom quartile). 3Y return: 8.68% (bottom quartile). 3Y return: 11.06% (lower mid). 3Y return: 20.28% (top quartile). 3Y return: 11.17% (upper mid). Point 7 1Y return: 1.62% (bottom quartile). 1Y return: 0.94% (bottom quartile). 1Y return: 3.90% (lower mid). 1Y return: 16.16% (top quartile). 1Y return: 4.03% (upper mid). Point 8 1M return: -9.78% (bottom quartile). 1M return: -9.81% (bottom quartile). 1M return: -9.16% (lower mid). 1M return: 3.68% (top quartile). 1M return: -9.11% (upper mid). Point 9 Alpha: -0.51 (upper mid). Alpha: -1.17 (bottom quartile). Alpha: -0.53 (lower mid). Alpha: -1.03 (bottom quartile). Alpha: -0.47 (top quartile). Point 10 Sharpe: 0.13 (bottom quartile). Sharpe: 0.07 (bottom quartile). Sharpe: 0.25 (lower mid). Sharpe: 1.04 (top quartile). Sharpe: 0.25 (upper mid). Nippon India Index Fund - Sensex Plan
LIC MF Index Fund Sensex
Franklin India Index Fund Nifty Plan
IDBI Nifty Index Fund
Nippon India Index Fund - Nifty Plan
Best Mutual Funds based on Last 1 Month
To generate long term capital appreciation from a portfolio that is predominantly in equity and equity related instruments Below is the key information for HDFC Long Term Advantage Fund Returns up to 1 year are on An Open-ended diversified equity scheme with an objective to generate long-term growth of capital, by investing predominantly in a diversified portfolio of equity and equity related securities in the domestic and international markets. Research Highlights for Aditya Birla Sun Life International Equity Fund - Plan B Below is the key information for Aditya Birla Sun Life International Equity Fund - Plan B Returns up to 1 year are on The investment objective of the scheme is to invest in the stocks and equity related instruments comprising the S&P CNX Nifty Index in the same weights as these stocks represented in the Index with the intent to replicate the performance of the Total Returns Index of S&P CNX Nifty index. The scheme will adopt a passive investment strategy and will seek to achieve the investment objective by minimizing the tracking error between the S&P CNX Nifty index (Total Returns Index) and the scheme. Research Highlights for IDBI Nifty Index Fund Below is the key information for IDBI Nifty Index Fund Returns up to 1 year are on To generate returns that closely correspond to returns generated by Axis Gold ETF. Research Highlights for Axis Gold Fund Below is the key information for Axis Gold Fund Returns up to 1 year are on To seek capital appreciation by investing in units of HDFC Gold Exchange Traded Fund (HGETF). Research Highlights for HDFC Gold Fund Below is the key information for HDFC Gold Fund Returns up to 1 year are on 1. HDFC Long Term Advantage Fund
HDFC Long Term Advantage Fund
Growth Launch Date 2 Jan 01 NAV (14 Jan 22) ₹595.168 ↑ 0.28 (0.05 %) Net Assets (Cr) ₹1,318 on 30 Nov 21 Category Equity - ELSS AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 2.25 Sharpe Ratio 2.27 Information Ratio -0.15 Alpha Ratio 1.75 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 28 Feb 21 ₹10,000
Purchase not allowed Returns for HDFC Long Term Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Jan 22 Duration Returns 1 Month 4.4% 3 Month 1.2% 6 Month 15.4% 1 Year 35.5% 3 Year 20.6% 5 Year 17.4% 10 Year 15 Year Since launch 21.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Fund Manager information for HDFC Long Term Advantage Fund
Name Since Tenure Data below for HDFC Long Term Advantage Fund as on 30 Nov 21
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 2. Aditya Birla Sun Life International Equity Fund - Plan B
Aditya Birla Sun Life International Equity Fund - Plan B
Growth Launch Date 31 Oct 07 NAV (28 Jul 23) ₹28.8036 ↑ 0.07 (0.23 %) Net Assets (Cr) ₹93 on 30 Jun 23 Category Equity - Global AMC Birla Sun Life Asset Management Co Ltd Rating ☆ Risk High Expense Ratio 2.6 Sharpe Ratio 0.85 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load 0-365 Days (1%),365 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 28 Feb 21 ₹10,000 28 Feb 22 ₹11,122 28 Feb 23 ₹10,983 Returns for Aditya Birla Sun Life International Equity Fund - Plan B
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Jan 22 Duration Returns 1 Month 4.2% 3 Month 10.3% 6 Month 10% 1 Year 13.8% 3 Year 18.9% 5 Year 9% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Fund Manager information for Aditya Birla Sun Life International Equity Fund - Plan B
Name Since Tenure Data below for Aditya Birla Sun Life International Equity Fund - Plan B as on 30 Jun 23
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 3. IDBI Nifty Index Fund
IDBI Nifty Index Fund
Growth Launch Date 25 Jun 10 NAV (28 Jul 23) ₹36.2111 ↓ -0.02 (-0.06 %) Net Assets (Cr) ₹208 on 30 Jun 23 Category Others - Index Fund AMC IDBI Asset Management Limited Rating ☆ Risk Moderately High Expense Ratio 0.9 Sharpe Ratio 1.04 Information Ratio -3.93 Alpha Ratio -1.03 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 28 Feb 21 ₹10,000 28 Feb 22 ₹11,512 28 Feb 23 ₹11,889 Returns for IDBI Nifty Index Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Jan 22 Duration Returns 1 Month 3.7% 3 Month 9.1% 6 Month 11.9% 1 Year 16.2% 3 Year 20.3% 5 Year 11.7% 10 Year 15 Year Since launch 10.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Fund Manager information for IDBI Nifty Index Fund
Name Since Tenure Data below for IDBI Nifty Index Fund as on 30 Jun 23
Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 4. Axis Gold Fund
Axis Gold Fund
Growth Launch Date 20 Oct 11 NAV (13 Mar 26) ₹45.6148 ↓ -0.81 (-1.73 %) Net Assets (Cr) ₹2,835 on 31 Jan 26 Category Gold - Gold AMC Axis Asset Management Company Limited Rating ☆ Risk Moderately High Expense Ratio 0.5 Sharpe Ratio 3.44 Information Ratio 0 Alpha Ratio 0 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.
Date Value 28 Feb 21 ₹10,000 28 Feb 22 ₹10,774 28 Feb 23 ₹11,753 29 Feb 24 ₹13,072 28 Feb 25 ₹17,493 28 Feb 26 ₹32,250 Returns for Axis Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Jan 22 Duration Returns 1 Month 3.5% 3 Month 18.5% 6 Month 42.4% 1 Year 78.2% 3 Year 38.1% 5 Year 27% 10 Year 15 Year Since launch 11.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 69.8% 2023 19.2% 2022 14.7% 2021 12.5% 2020 -4.7% 2019 26.9% 2018 23.1% 2017 8.3% 2016 0.7% 2015 10.7% Fund Manager information for Axis Gold Fund
Name Since Tenure Aditya Pagaria 9 Nov 21 4.23 Yr. Pratik Tibrewal 1 Feb 25 1 Yr. Data below for Axis Gold Fund as on 31 Jan 26
Asset Allocation
Asset Class Value Cash 2.53% Other 97.47% Top Securities Holdings / Portfolio
Name Holding Value Quantity Axis Gold ETF
- | -99% ₹2,810 Cr 215,661,784
↑ 19,832,646 Clearing Corporation Of India Ltd
CBLO/Reverse Repo | -1% ₹35 Cr Net Receivables / (Payables)
CBLO | -0% -₹9 Cr 5. HDFC Gold Fund
HDFC Gold Fund
Growth Launch Date 24 Oct 11 NAV (13 Mar 26) ₹46.9404 ↓ -0.70 (-1.48 %) Net Assets (Cr) ₹11,458 on 31 Jan 26 Category Gold - Gold AMC HDFC Asset Management Company Limited Rating ☆ Risk Moderately High Expense Ratio 0.49 Sharpe Ratio 3.29 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-6 Months (2%),6-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 28 Feb 21 ₹10,000 28 Feb 22 ₹10,771 28 Feb 23 ₹11,688 29 Feb 24 ₹12,934 28 Feb 25 ₹17,380 28 Feb 26 ₹32,158 Returns for HDFC Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Jan 22 Duration Returns 1 Month 3.4% 3 Month 19% 6 Month 42.8% 1 Year 79.1% 3 Year 38.4% 5 Year 27.1% 10 Year 15 Year Since launch 11.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 71.3% 2023 18.9% 2022 14.1% 2021 12.7% 2020 -5.5% 2019 27.5% 2018 21.7% 2017 6.6% 2016 2.8% 2015 10.1% Fund Manager information for HDFC Gold Fund
Name Since Tenure Arun Agarwal 15 Feb 23 2.96 Yr. Nandita Menezes 29 Mar 25 0.85 Yr. Data below for HDFC Gold Fund as on 31 Jan 26
Asset Allocation
Asset Class Value Cash 1.44% Other 98.56% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Gold ETF
- | -100% ₹11,455 Cr 840,685,437
↑ 92,026,020 Treps - Tri-Party Repo
CBLO/Reverse Repo | -1% ₹154 Cr Net Current Assets
Net Current Assets | -1% -₹152 Cr
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
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.
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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