+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 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.
Fund NAV Net Assets (Cr) Min Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) ICICI Prudential Infrastructure Fund Growth ₹195.89
↓ -2.81 ₹8,160 5,000 0.2 -1.9 6.8 24.8 28.9 6.7 SBI PSU Fund Growth ₹33.7437
↓ -0.75 ₹5,763 5,000 4 3.6 11.5 28.2 28 11.3 Motilal Oswal Midcap 30 Fund Growth ₹98.9549
↓ -0.99 ₹38,003 5,000 -3.8 -4 -9.3 25.6 26.5 -12.1 Invesco India PSU Equity Fund Growth ₹66.08
↓ -1.13 ₹1,445 5,000 3.4 0 12.3 28.9 26.4 10.3 HDFC Infrastructure Fund Growth ₹47.26
↓ -0.65 ₹2,514 5,000 -1 -2.2 3.6 25.2 26.3 2.2 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Jan 26 Research Highlights & Commentary of 5 Funds showcased
Commentary ICICI Prudential Infrastructure Fund SBI PSU Fund Motilal Oswal Midcap 30 Fund Invesco India PSU Equity Fund HDFC Infrastructure Fund Point 1 Upper mid AUM (₹8,160 Cr). Lower mid AUM (₹5,763 Cr). Highest AUM (₹38,003 Cr). Bottom quartile AUM (₹1,445 Cr). Bottom quartile AUM (₹2,514 Cr). Point 2 Oldest track record among peers (20 yrs). Established history (15+ yrs). Established history (11+ yrs). Established history (16+ yrs). Established history (17+ yrs). Point 3 Top rated. Rating: 2★ (bottom quartile). Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Point 4 Risk profile: High. Risk profile: High. Risk profile: Moderately High. Risk profile: High. Risk profile: High. Point 5 5Y return: 28.88% (top quartile). 5Y return: 28.04% (upper mid). 5Y return: 26.49% (lower mid). 5Y return: 26.41% (bottom quartile). 5Y return: 26.26% (bottom quartile). Point 6 3Y return: 24.80% (bottom quartile). 3Y return: 28.25% (upper mid). 3Y return: 25.64% (lower mid). 3Y return: 28.86% (top quartile). 3Y return: 25.24% (bottom quartile). Point 7 1Y return: 6.76% (lower mid). 1Y return: 11.46% (upper mid). 1Y return: -9.31% (bottom quartile). 1Y return: 12.29% (top quartile). 1Y return: 3.63% (bottom quartile). Point 8 Alpha: 0.00 (top quartile). Alpha: -0.83 (bottom quartile). Alpha: -11.47 (bottom quartile). Alpha: -0.45 (lower mid). Alpha: 0.00 (upper mid). Point 9 Sharpe: 0.00 (lower mid). Sharpe: 0.03 (upper mid). Sharpe: -0.40 (bottom quartile). Sharpe: 0.06 (top quartile). Sharpe: -0.15 (bottom quartile). Point 10 Information ratio: 0.00 (upper mid). Information ratio: -0.53 (bottom quartile). Information ratio: 0.21 (top quartile). Information ratio: -0.49 (bottom quartile). Information ratio: 0.00 (lower mid). ICICI Prudential Infrastructure Fund
SBI PSU Fund
Motilal Oswal Midcap 30 Fund
Invesco India PSU Equity Fund
HDFC Infrastructure 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 ₹50.8252
↓ -0.01 ₹209 1,000 1 2 20.9 14.7 21 7.1% 2Y 4M 17D 3Y 3M 14D Aditya Birla Sun Life Credit Risk Fund Growth ₹24.1106
↓ 0.00 ₹1,096 1,000 5 7.3 17 12 13.4 7.62% 2Y 3M 18D 3Y 29D 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 ₹41.9748
↓ -0.01 ₹2,886 1,000 3 4.7 12.6 10.1 10.9 7.48% 3Y 8M 16D 4Y 11M 5D Invesco India Credit Risk Fund Growth ₹1,985.07
↓ -0.49 ₹155 5,000 1.3 2.4 9.2 9.4 9.2 6.94% 2Y 3M 25D 3Y 22D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Jan 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 (₹209 Cr). Upper mid AUM (₹1,096 Cr). Bottom quartile AUM (₹104 Cr). Highest AUM (₹2,886 Cr). Bottom quartile AUM (₹155 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: 20.92% (top quartile). 1Y return: 17.01% (upper mid). 1Y return: 7.45% (bottom quartile). 1Y return: 12.64% (lower mid). 1Y return: 9.20% (bottom quartile). Point 6 1M return: 0.23% (bottom quartile). 1M return: 3.55% (top quartile). 1M return: 0.91% (lower mid). 1M return: 1.87% (upper mid). 1M return: 0.20% (bottom quartile). Point 7 Sharpe: 1.55 (lower mid). Sharpe: 2.11 (upper mid). Sharpe: 0.29 (bottom quartile). Sharpe: 2.17 (top quartile). Sharpe: 1.29 (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): 7.10% (lower mid). Yield to maturity (debt): 7.62% (top quartile). Yield to maturity (debt): 0.00% (bottom quartile). Yield to maturity (debt): 7.48% (upper mid). Yield to maturity (debt): 6.94% (bottom quartile). Point 10 Modified duration: 2.38 yrs (bottom quartile). Modified duration: 2.30 yrs (upper mid). Modified duration: 0.00 yrs (top quartile). Modified duration: 3.71 yrs (bottom quartile). Modified duration: 2.32 yrs (lower 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 (%) UTI Multi Asset Fund Growth ₹79.262
↓ -0.72 ₹6,551 5,000 4.2 5.9 10.8 20.1 14.7 11.1 ICICI Prudential Multi-Asset Fund Growth ₹824.168
↓ -0.73 ₹75,067 5,000 4.8 8.2 17.6 19.8 21.2 18.6 ICICI Prudential Equity and Debt Fund Growth ₹410.12
↓ -3.96 ₹49,223 5,000 2.5 4 12.4 19.5 20.9 13.3 BOI AXA Mid and Small Cap Equity and Debt Fund Growth ₹39.03
↑ 0.07 ₹1,321 5,000 2.3 1 0.6 19.2 19.3 -0.9 SBI Multi Asset Allocation Fund Growth ₹65.0381
↓ -0.79 ₹12,466 5,000 5 8.7 17.3 18.1 14 18.6 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Jan 26 Research Highlights & Commentary of 5 Funds showcased
Commentary 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 SBI Multi Asset Allocation Fund Point 1 Bottom quartile AUM (₹6,551 Cr). Highest AUM (₹75,067 Cr). Upper mid AUM (₹49,223 Cr). Bottom quartile AUM (₹1,321 Cr). Lower mid AUM (₹12,466 Cr). Point 2 Established history (17+ yrs). Established history (23+ yrs). Oldest track record among peers (26 yrs). Established history (9+ yrs). Established history (20+ yrs). Point 3 Rating: 1★ (bottom quartile). Rating: 2★ (lower mid). Top rated. Not 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: 14.71% (bottom quartile). 5Y return: 21.24% (top quartile). 5Y return: 20.88% (upper mid). 5Y return: 19.32% (lower mid). 5Y return: 14.01% (bottom quartile). Point 6 3Y return: 20.09% (top quartile). 3Y return: 19.78% (upper mid). 3Y return: 19.51% (lower mid). 3Y return: 19.21% (bottom quartile). 3Y return: 18.11% (bottom quartile). Point 7 1Y return: 10.85% (bottom quartile). 1Y return: 17.55% (top quartile). 1Y return: 12.36% (lower mid). 1Y return: 0.62% (bottom quartile). 1Y return: 17.33% (upper mid). Point 8 1M return: 0.84% (bottom quartile). 1M return: 1.25% (lower mid). 1M return: 0.32% (bottom quartile). 1M return: 3.67% (top quartile). 1M return: 1.64% (upper mid). Point 9 Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Alpha: 4.08 (top quartile). Alpha: 0.00 (bottom quartile). Alpha: 0.00 (bottom quartile). Point 10 Sharpe: 0.48 (bottom quartile). Sharpe: 1.32 (top quartile). Sharpe: 0.65 (lower mid). Sharpe: -0.30 (bottom quartile). Sharpe: 1.17 (upper mid). 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
SBI Multi Asset Allocation 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 ₹42.8648
↓ -0.40 ₹989 3 0.7 8.5 12.7 12.2 9.8 LIC MF Index Fund Sensex Growth ₹157.205
↓ -1.46 ₹94 2.8 0.4 7.8 12.1 11.6 9.1 Franklin India Index Fund Nifty Plan Growth ₹211.013
↓ -0.30 ₹788 4.2 2.9 11 14.1 13.6 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 ₹43.9377
↓ -0.45 ₹3,052 3.4 1.6 10.1 13.8 13 11.4 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Jan 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 (₹989 Cr). Bottom quartile AUM (₹94 Cr). Lower mid AUM (₹788 Cr). Bottom quartile AUM (₹208 Cr). Highest AUM (₹3,052 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: 12.17% (lower mid). 5Y return: 11.63% (bottom quartile). 5Y return: 13.59% (top quartile). 5Y return: 11.74% (bottom quartile). 5Y return: 12.96% (upper mid). Point 6 3Y return: 12.73% (bottom quartile). 3Y return: 12.14% (bottom quartile). 3Y return: 14.11% (upper mid). 3Y return: 20.28% (top quartile). 3Y return: 13.81% (lower mid). Point 7 1Y return: 8.46% (bottom quartile). 1Y return: 7.75% (bottom quartile). 1Y return: 11.04% (upper mid). 1Y return: 16.16% (top quartile). 1Y return: 10.07% (lower mid). Point 8 1M return: -1.13% (bottom quartile). 1M return: -1.18% (bottom quartile). 1M return: -0.23% (upper mid). 1M return: 3.68% (top quartile). 1M return: -0.36% (lower mid). Point 9 Alpha: -0.51 (upper mid). Alpha: -1.17 (bottom quartile). Alpha: -0.60 (lower mid). Alpha: -1.03 (bottom quartile). Alpha: -0.47 (top quartile). Point 10 Sharpe: 0.21 (bottom quartile). Sharpe: 0.16 (bottom quartile). Sharpe: 0.30 (lower mid). Sharpe: 1.04 (top quartile). Sharpe: 0.31 (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
The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in the units of BlackRock Global Funds – World Mining Fund. 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 money market/liquid schemes of DSP BlackRock Mutual Fund, in order to meet liquidity requirements from time to time. Below is the key information for DSP World Mining Fund Returns up to 1 year are on "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." Research Highlights for DSP World Gold Fund Below is the key information for DSP World Gold Fund Returns up to 1 year are on To seek to generate capital appreciation and provide long term growth opportunities by investing in equity and equity related securities of companies domiciled in India whose predominant economic activity is in the (a) discovery, development, production, or distribution of natural resources, viz., energy, mining etc; (b) alternative energy and energy technology sectors, with emphasis given to renewable energy, automotive and on-site power generation, energy storage and enabling energy technologies. also invest a certain portion of its corpus in the equity and equity related securities of companies domiciled overseas, which are principally engaged in the discovery, development, production or distribution of natural resources and alternative energy and/or the units shares of Merrill Lynch international Investment Funds New Energy Fund, Merrill Lynch International Investment Funds World Energy Fund and similar other overseas mutual fund schemes. Research Highlights for DSP Natural Resources and New Energy Fund Below is the key information for DSP Natural Resources and New Energy Fund Returns up to 1 year are on (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 Below is the key information for PGIM India Euro Equity Fund Returns up to 1 year are on An open-end diversified equity fund that seeks to provide medium to long term appreciation through investments primarily in Asian Companies / sectors (excluding Japan) with long term potential across market capitalisation. Research Highlights for Franklin Asian Equity Fund Below is the key information for Franklin Asian Equity Fund Returns up to 1 year are on 1. DSP World Mining Fund
DSP World Mining Fund
Growth Launch Date 29 Dec 09 NAV (07 Jan 26) ₹28.0095 ↓ -0.27 (-0.94 %) Net Assets (Cr) ₹181 on 30 Nov 25 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.14 Sharpe Ratio 1.75 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 Dec 20 ₹10,000 31 Dec 21 ₹11,803 31 Dec 22 ₹13,238 31 Dec 23 ₹13,240 31 Dec 24 ₹12,171 31 Dec 25 ₹21,791 Returns for DSP World Mining Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Jan 26 Duration Returns 1 Month 10.5% 3 Month 20.3% 6 Month 59.1% 1 Year 82.1% 3 Year 18.5% 5 Year 15.7% 10 Year 15 Year Since launch 6.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 79% 2023 -8.1% 2022 0% 2021 12.2% 2020 18% 2019 34.9% 2018 21.5% 2017 -9.4% 2016 21.1% 2015 49.7% Fund Manager information for DSP World Mining Fund
Name Since Tenure Jay Kothari 1 Mar 13 12.76 Yr. Data below for DSP World Mining Fund as on 30 Nov 25
Equity Sector Allocation
Sector Value Basic Materials 96.07% Energy 1.35% Asset Allocation
Asset Class Value Cash 2.51% Equity 97.49% Debt 0% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Mining I2
Investment Fund | -99% ₹180 Cr 193,620 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -1% ₹2 Cr Net Receivables/Payables
Net Current Assets | -0% -₹1 Cr 2. DSP World Gold Fund
DSP World Gold Fund
Growth Launch Date 14 Sep 07 NAV (07 Jan 26) ₹54.5633 ↓ -0.82 (-1.48 %) Net Assets (Cr) ₹1,689 on 30 Nov 25 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.41 Sharpe Ratio 2.51 Information Ratio -1.02 Alpha Ratio -4.29 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 Dec 20 ₹10,000 31 Dec 21 ₹9,101 31 Dec 22 ₹8,405 31 Dec 23 ₹8,991 31 Dec 24 ₹10,424 31 Dec 25 ₹27,842 Returns for DSP World Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Jan 26 Duration Returns 1 Month 9.9% 3 Month 19.4% 6 Month 78.1% 1 Year 161.9% 3 Year 46.8% 5 Year 22.1% 10 Year 15 Year Since launch 9.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 167.1% 2023 15.9% 2022 7% 2021 -7.7% 2020 -9% 2019 31.4% 2018 35.1% 2017 -10.7% 2016 -4% 2015 52.7% Fund Manager information for DSP World Gold Fund
Name Since Tenure Jay Kothari 1 Mar 13 12.76 Yr. Data below for DSP World Gold Fund as on 30 Nov 25
Equity Sector Allocation
Sector Value Basic Materials 93.58% Asset Allocation
Asset Class Value Cash 3.5% Equity 93.84% Debt 0.01% Other 2.64% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Gold I2
Investment Fund | -74% ₹1,246 Cr 1,278,985
↓ -68,948 VanEck Gold Miners ETF
- | GDX25% ₹427 Cr 573,719 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -1% ₹24 Cr Net Receivables/Payables
Net Current Assets | -0% -₹8 Cr 3. DSP Natural Resources and New Energy Fund
DSP Natural Resources and New Energy Fund
Growth Launch Date 25 Apr 08 NAV (07 Jan 26) ₹101.87 ↓ -0.53 (-0.52 %) Net Assets (Cr) ₹1,467 on 30 Nov 25 Category Equity - Sectoral AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆☆ Risk High Expense Ratio 1.99 Sharpe Ratio 0.1 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 Dec 20 ₹10,000 31 Dec 21 ₹14,280 31 Dec 22 ₹15,680 31 Dec 23 ₹20,570 31 Dec 24 ₹23,429 31 Dec 25 ₹27,530 Returns for DSP Natural Resources and New Energy Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Jan 26 Duration Returns 1 Month 6.6% 3 Month 8.1% 6 Month 12.3% 1 Year 18.8% 3 Year 20.9% 5 Year 20.8% 10 Year 15 Year Since launch 14% Historical performance (Yearly) on absolute basis
Year Returns 2024 17.5% 2023 13.9% 2022 31.2% 2021 9.8% 2020 42.8% 2019 11.5% 2018 4.4% 2017 -15.3% 2016 43.1% 2015 43.1% Fund Manager information for DSP Natural Resources and New Energy Fund
Name Since Tenure Rohit Singhania 1 Jul 12 13.43 Yr. Data below for DSP Natural Resources and New Energy Fund as on 30 Nov 25
Equity Sector Allocation
Sector Value Energy 42.53% Basic Materials 39.64% Utility 9.3% Industrials 2.36% Technology 1.78% Consumer Cyclical 0.06% Asset Allocation
Asset Class Value Cash 4.32% Equity 95.68% Debt 0% Top Securities Holdings / Portfolio
Name Holding Value Quantity Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 31 May 20 | 5003129% ₹133 Cr 5,470,562
↑ 143,662 Jindal Steel Ltd (Basic Materials)
Equity, Since 31 Mar 20 | JINDALSTEL9% ₹130 Cr 1,244,187 Tata Steel Ltd (Basic Materials)
Equity, Since 31 Aug 16 | TATASTEEL9% ₹125 Cr 7,456,242 BGF Sustainable Energy I2
Investment Fund | -6% ₹94 Cr 443,474 BGF World Energy I2
Investment Fund | -6% ₹94 Cr 334,870 Hindalco Industries Ltd (Basic Materials)
Equity, Since 31 Oct 15 | HINDALCO5% ₹77 Cr 952,790 Hindustan Zinc Ltd (Basic Materials)
Equity, Since 31 Mar 09 | HINDZINC5% ₹74 Cr 1,516,403 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 31 Aug 08 | BPCL5% ₹72 Cr 1,998,861
↓ -204,000 National Aluminium Co Ltd (Basic Materials)
Equity, Since 28 Feb 22 | NATIONALUM4% ₹63 Cr 2,439,055 Petronet LNG Ltd (Energy)
Equity, Since 31 Jan 18 | PETRONET4% ₹62 Cr 2,278,481
↑ 828,529 4. PGIM India Euro Equity Fund
PGIM India Euro Equity Fund
Growth Launch Date 11 Sep 07 NAV (07 Jan 26) ₹19.3 ↓ -0.13 (-0.67 %) Net Assets (Cr) ₹978 on 30 Nov 25 Category Others - Fund of Fund AMC Pramerica Asset Managers Private Limited Rating ☆☆ Risk High Expense Ratio 1.63 Sharpe Ratio 1.1 Information Ratio -0.33 Alpha Ratio -9.73 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 Dec 20 ₹10,000 31 Dec 21 ₹9,808 31 Dec 22 ₹6,317 31 Dec 23 ₹7,242 31 Dec 24 ₹8,737 31 Dec 25 ₹10,333 Returns for PGIM India Euro Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Jan 26 Duration Returns 1 Month 6.3% 3 Month 4.8% 6 Month 16.6% 1 Year 21.6% 3 Year 17.9% 5 Year 1.3% 10 Year 15 Year Since launch 3.7% 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 0.79 Yr. Vivek Sharma 15 Feb 25 0.79 Yr. Data below for PGIM India Euro Equity Fund as on 30 Nov 25
Asset Allocation
Asset Class Value Cash 3.44% Equity 96.56% Top Securities Holdings / Portfolio
Name Holding Value Quantity PGIM Jennison Emerging Mkts Eq USD W Acc
Investment Fund | -98% ₹962 Cr 891,289
↑ 111,497 Clearing Corporation Of India Ltd.
CBLO/Reverse Repo | -2% ₹16 Cr Net Receivables / (Payables)
Net Current Assets | -0% ₹1 Cr 5. Franklin Asian Equity Fund
Franklin Asian Equity Fund
Growth Launch Date 16 Jan 08 NAV (07 Jan 26) ₹37.1944 ↑ 0.02 (0.04 %) Net Assets (Cr) ₹297 on 30 Nov 25 Category Equity - Global AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆☆☆ Risk High Expense Ratio 2.54 Sharpe Ratio 1.47 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-3 Years (1%),3 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹9,415 31 Dec 22 ₹8,052 31 Dec 23 ₹8,104 31 Dec 24 ₹9,275 31 Dec 25 ₹11,469 Returns for Franklin Asian Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Jan 26 Duration Returns 1 Month 5.5% 3 Month 7.7% 6 Month 21.4% 1 Year 29.4% 3 Year 12.8% 5 Year 3.2% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 23.7% 2023 14.4% 2022 0.7% 2021 -14.5% 2020 -5.9% 2019 25.8% 2018 28.2% 2017 -13.6% 2016 35.5% 2015 7.2% Fund Manager information for Franklin Asian Equity Fund
Name Since Tenure Sandeep Manam 18 Oct 21 4.12 Yr. Shyam Sriram 26 Sep 24 1.18 Yr. Data below for Franklin Asian Equity Fund as on 30 Nov 25
Equity Sector Allocation
Sector Value Technology 27.83% Consumer Cyclical 22.52% Financial Services 11.94% Industrials 8.01% Communication Services 5.55% Health Care 4.05% Real Estate 3.21% Basic Materials 2.37% Utility 1.09% Asset Allocation
Asset Class Value Cash 13.41% Equity 86.59% Top Securities Holdings / Portfolio
Name Holding Value Quantity Taiwan Semiconductor Manufacturing Co Ltd (Technology)
Equity, Since 31 Mar 09 | 233010% ₹28 Cr 69,000
↑ 2,000 Tencent Holdings Ltd (Communication Services)
Equity, Since 31 Jul 14 | 007006% ₹17 Cr 23,500 Samsung Electronics Co Ltd (Technology)
Equity, Since 31 Mar 08 | 0059304% ₹13 Cr 20,911 SK Hynix Inc (Technology)
Equity, Since 30 Jun 20 | 0006604% ₹11 Cr 3,567 Alibaba Group Holding Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Dec 20 | 099883% ₹10 Cr 55,304 Contemporary Amperex Technology Co Ltd Class A (Industrials)
Equity, Since 30 Apr 24 | 3007503% ₹9 Cr 18,100 MediaTek Inc (Technology)
Equity, Since 31 Aug 20 | 24543% ₹8 Cr 21,000 HDFC Life Insurance Co Ltd (Financial Services)
Equity, Since 31 Jan 24 | HDFCLIFE3% ₹8 Cr 99,744 Indian Hotels Co Ltd (Consumer Cyclical)
Equity, Since 30 Apr 23 | INDHOTEL3% ₹7 Cr 100,242
↑ 12,541 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Mar 24 | LT2% ₹7 Cr 17,462
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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