+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 (%) 2025 (%) DSP World Gold Fund Growth ₹59.0879
↑ 2.80 ₹1,665 1,000 0.5 -3.7 39.2 55.3 26.9 167.1 SBI PSU Fund Growth ₹34.3568
↑ 0.40 ₹6,354 5,000 -0.3 -2.1 1.5 19.8 20.7 11.3 SBI Healthcare Opportunities Fund Growth ₹539.046
↑ 0.67 ₹5,870 5,000 2.6 16.7 24.9 24 19.4 -3.5 DSP India T.I.G.E.R Fund Growth ₹352.201
↑ 3.34 ₹6,265 1,000 -3.2 0.8 11.6 19.1 18.7 -2.5 LIC MF Infrastructure Fund Growth ₹54.5544
↑ 0.62 ₹1,153 5,000 -1.3 3.8 9.4 21.2 18.5 -3.7 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Nov 26 Research Highlights & Commentary of 5 Funds showcased
Commentary DSP World Gold Fund SBI PSU Fund SBI Healthcare Opportunities Fund DSP India T.I.G.E.R Fund LIC MF Infrastructure Fund Point 1 Bottom quartile AUM (₹1,665 Cr). Highest AUM (₹6,354 Cr). Lower mid AUM (₹5,870 Cr). Upper mid AUM (₹6,265 Cr). Bottom quartile AUM (₹1,153 Cr). Point 2 Established history (19+ yrs). Established history (16+ yrs). Established history (21+ yrs). Oldest track record among peers (22 yrs). Established history (18+ yrs). Point 3 Rating: 3★ (upper mid). Rating: 2★ (lower mid). Rating: 2★ (bottom quartile). Top rated. Not Rated. Point 4 Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: High. Point 5 5Y return: 26.91% (top quartile). 5Y return: 20.75% (upper mid). 5Y return: 19.35% (lower mid). 5Y return: 18.66% (bottom quartile). 5Y return: 18.54% (bottom quartile). Point 6 3Y return: 55.34% (top quartile). 3Y return: 19.78% (bottom quartile). 3Y return: 24.00% (upper mid). 3Y return: 19.09% (bottom quartile). 3Y return: 21.20% (lower mid). Point 7 1Y return: 39.21% (top quartile). 1Y return: 1.50% (bottom quartile). 1Y return: 24.94% (upper mid). 1Y return: 11.59% (lower mid). 1Y return: 9.35% (bottom quartile). Point 8 Alpha: 4.06 (upper mid). Alpha: -0.21 (bottom quartile). Alpha: 3.63 (lower mid). Alpha: 0.00 (bottom quartile). Alpha: 12.01 (top quartile). Point 9 Sharpe: 0.67 (upper mid). Sharpe: -0.14 (bottom quartile). Sharpe: 0.95 (top quartile). Sharpe: 0.38 (lower mid). Sharpe: 0.27 (bottom quartile). Point 10 Information ratio: -0.80 (bottom quartile). Information ratio: -0.42 (bottom quartile). Information ratio: 0.10 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.62 (top quartile). DSP World Gold Fund
SBI PSU Fund
SBI Healthcare Opportunities Fund
DSP India T.I.G.E.R Fund
LIC MF 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 (%) 2025 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity DSP Credit Risk Fund Growth ₹55.4877
↓ -0.01 ₹326 1,000 0.6 3.6 9.7 12.9 21 8.26% 2Y 1M 2D 2Y 3M 7D Aditya Birla Sun Life Credit Risk Fund Growth ₹25.5559
↓ -0.03 ₹1,657 1,000 0.8 3.6 10.3 12 13.4 8.24% 1Y 7M 10D 2Y 2M 12D 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 ₹43.9585
↓ -0.05 ₹3,370 1,000 0.4 3.2 7.1 9.7 10.9 7.99% 2Y 5M 8D 4Y 25D Franklin India Ultra Short Bond Fund - Super Institutional Plan Growth ₹34.9131
↑ 0.04 ₹297 10,000 1.3 5.9 13.7 8.8 0% 1Y 15D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 11 Nov 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 Franklin India Ultra Short Bond Fund - Super Institutional Plan Point 1 Lower mid AUM (₹326 Cr). Upper mid AUM (₹1,657 Cr). Bottom quartile AUM (₹104 Cr). Highest AUM (₹3,370 Cr). Bottom quartile AUM (₹297 Cr). Point 2 Oldest track record among peers (23 yrs). Established history (11+ yrs). Established history (14+ yrs). Established history (17+ yrs). Established history (18+ yrs). Point 3 Top rated. Not Rated. Rating: 1★ (lower mid). Rating: 4★ (upper mid). Rating: 1★ (bottom quartile). Point 4 Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Point 5 1Y return: 9.75% (lower mid). 1Y return: 10.28% (upper mid). 1Y return: 7.45% (bottom quartile). 1Y return: 7.05% (bottom quartile). 1Y return: 13.69% (top quartile). Point 6 1M return: 0.40% (bottom quartile). 1M return: 0.38% (bottom quartile). 1M return: 0.91% (top quartile). 1M return: 0.48% (lower mid). 1M return: 0.59% (upper mid). Point 7 Sharpe: 0.75 (bottom quartile). Sharpe: 1.61 (upper mid). Sharpe: 0.29 (bottom quartile). Sharpe: 0.92 (lower mid). Sharpe: 2.57 (top quartile). Point 8 Information ratio: 0.00 (upper mid). Information ratio: 1.23 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 8.26% (top quartile). Yield to maturity (debt): 8.24% (upper mid). Yield to maturity (debt): 0.00% (bottom quartile). Yield to maturity (debt): 7.99% (lower mid). Yield to maturity (debt): 0.00% (bottom quartile). Point 10 Modified duration: 2.09 yrs (bottom quartile). Modified duration: 1.61 yrs (lower mid). Modified duration: 0.00 yrs (top quartile). Modified duration: 2.44 yrs (bottom quartile). Modified duration: 0.00 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
Franklin India Ultra Short Bond Fund - Super Institutional Plan
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 (%) 2025 (%) Sundaram Equity Hybrid Fund Growth ₹135.137
↑ 0.78 ₹1,954 5,000 0.5 10.5 27.1 16 14.2 Bandhan Hybrid Equity Fund Growth ₹28.911
↑ 0.19 ₹2,663 5,000 1.9 8.3 7.7 14.6 10.7 7.7 IDBI Hybrid Equity Fund Growth ₹17.1253
↓ -0.01 ₹179 5,000 7.8 9.8 12.1 14.4 7.1 Baroda Pioneer Hybrid Equity Fund Growth ₹81.2894
↑ 0.36 ₹389 5,000 -3.5 -0.8 14.8 14.3 11.2 BOI AXA Mid and Small Cap Equity and Debt Fund Growth ₹42.5
↑ 0.46 ₹2,196 5,000 -0.2 4.4 11.1 14 12.7 -0.9 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Dec 21 Research Highlights & Commentary of 5 Funds showcased
Commentary Sundaram Equity Hybrid Fund Bandhan Hybrid Equity Fund IDBI Hybrid Equity Fund Baroda Pioneer Hybrid Equity Fund BOI AXA Mid and Small Cap Equity and Debt Fund Point 1 Lower mid AUM (₹1,954 Cr). Highest AUM (₹2,663 Cr). Bottom quartile AUM (₹179 Cr). Bottom quartile AUM (₹389 Cr). Upper mid AUM (₹2,196 Cr). Point 2 Oldest track record among peers (26 yrs). Established history (9+ yrs). Established history (10+ yrs). Established history (23+ yrs). Established history (10+ yrs). Point 3 Rating: 2★ (upper mid). Not Rated. Not Rated. Top rated. Not Rated. 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: 14.20% (top quartile). 5Y return: 10.73% (bottom quartile). 5Y return: 7.09% (bottom quartile). 5Y return: 11.17% (lower mid). 5Y return: 12.71% (upper mid). Point 6 3Y return: 16.03% (top quartile). 3Y return: 14.63% (upper mid). 3Y return: 14.43% (lower mid). 3Y return: 14.26% (bottom quartile). 3Y return: 14.02% (bottom quartile). Point 7 1Y return: 27.10% (top quartile). 1Y return: 7.70% (bottom quartile). 1Y return: 12.06% (lower mid). 1Y return: 14.82% (upper mid). 1Y return: 11.08% (bottom quartile). Point 8 1M return: 1.80% (lower mid). 1M return: 7.13% (top quartile). 1M return: 2.10% (upper mid). 1M return: -2.79% (bottom quartile). 1M return: -0.09% (bottom quartile). Point 9 Alpha: 5.81 (lower mid). Alpha: 6.68 (top quartile). Alpha: -0.26 (bottom quartile). Alpha: 6.53 (upper mid). Alpha: 0.00 (bottom quartile). Point 10 Sharpe: 2.64 (top quartile). Sharpe: 0.01 (bottom quartile). Sharpe: 1.03 (lower mid). Sharpe: 2.59 (upper mid). Sharpe: 0.54 (bottom quartile). Sundaram Equity Hybrid Fund
Bandhan Hybrid Equity Fund
IDBI Hybrid Equity Fund
Baroda Pioneer Hybrid Equity 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 (%) 2025 (%) LIC MF Index Fund Sensex Growth ₹153.203
↑ 1.43 ₹87 4.6 8.1 -2.4 8.1 6.6 9.1 Nippon India Index Fund - Sensex Plan Growth ₹41.9091
↑ 0.39 ₹874 4.7 8.3 -2 8.7 7.1 9.8 IDBI Nifty Index Fund Growth ₹36.2111
↓ -0.02 ₹208 9.1 11.9 16.2 20.3 11.7 Franklin India Index Fund Nifty Plan Growth ₹204.996
↑ 1.69 ₹654 3.2 6.7 -1.2 9.7 7.7 11.3 ICICI Prudential Nifty Next 50 Index Fund Growth ₹64.5847
↑ 0.61 ₹9,744 -1.6 4.6 5.4 17.1 11 2.1 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 11 Nov 26 Research Highlights & Commentary of 5 Funds showcased
Commentary LIC MF Index Fund Sensex Nippon India Index Fund - Sensex Plan IDBI Nifty Index Fund Franklin India Index Fund Nifty Plan ICICI Prudential Nifty Next 50 Index Fund Point 1 Bottom quartile AUM (₹87 Cr). Upper mid AUM (₹874 Cr). Bottom quartile AUM (₹208 Cr). Lower mid AUM (₹654 Cr). Highest AUM (₹9,744 Cr). Point 2 Established history (24+ yrs). Established history (16+ yrs). Established history (16+ yrs). Oldest track record among peers (26 yrs). Established history (16+ yrs). Point 3 Rating: 1★ (lower mid). Rating: 2★ (upper mid). Rating: 1★ (bottom quartile). Rating: 1★ (bottom quartile). Top rated. 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: 6.58% (bottom quartile). 5Y return: 7.07% (bottom quartile). 5Y return: 11.74% (top quartile). 5Y return: 7.73% (lower mid). 5Y return: 10.97% (upper mid). Point 6 3Y return: 8.10% (bottom quartile). 3Y return: 8.69% (bottom quartile). 3Y return: 20.28% (top quartile). 3Y return: 9.75% (lower mid). 3Y return: 17.08% (upper mid). Point 7 1Y return: -2.36% (bottom quartile). 1Y return: -1.96% (bottom quartile). 1Y return: 16.16% (top quartile). 1Y return: -1.20% (lower mid). 1Y return: 5.43% (upper mid). Point 8 1M return: 12.94% (upper mid). 1M return: 13.00% (top quartile). 1M return: 3.68% (bottom quartile). 1M return: 12.19% (lower mid). 1M return: 7.81% (bottom quartile). Point 9 Alpha: -1.10 (bottom quartile). Alpha: -0.55 (top quartile). Alpha: -1.03 (bottom quartile). Alpha: -0.58 (upper mid). Alpha: -0.87 (lower mid). Point 10 Sharpe: -0.83 (bottom quartile). Sharpe: -0.80 (bottom quartile). Sharpe: 1.04 (top quartile). Sharpe: -0.70 (lower mid). Sharpe: -0.01 (upper mid). LIC MF Index Fund Sensex
Nippon India Index Fund - Sensex Plan
IDBI Nifty Index Fund
Franklin India Index Fund Nifty Plan
ICICI Prudential Nifty Next 50 Index Fund
Best Mutual Funds based on Last 1 Month
The primary investment objective of the scheme is to replicate the composition of the Sensex, with a view to generate returns that are commensurate with the performance of the Sensex, subject to tracking errors. Below is the key information for Nippon India Index Fund - Sensex Plan Returns up to 1 year are on The main investment objective of the fund is to generate returns commensurate with the performance of the index either Nifty / Sensex based on the plans by investing in the respective index stocks subject to tracking errors. Research Highlights for LIC MF Index Fund Sensex Below is the key information for LIC MF Index Fund Sensex Returns up to 1 year are on The Investment Objective of the Scheme is to invest in companies whose securities are included in the Nifty and subject to tracking errors, endeavouring to attain results commensurate with the Nifty 50 under NSENifty Plan Research Highlights for Franklin India Index Fund Nifty Plan Below is the key information for Franklin India Index Fund Nifty Plan Returns up to 1 year are on The principal investment objective of the scheme is to invest in stocks of companies comprising Nifty 50 Index and endeavour to achieve return equivalent to Nifty 50 by “passive” investment. The scheme will be managed
by replicating the index in the same weightage as in the Nifty 50 Index with the intention of minimising the performance differences between the scheme and the Nifty 50 Index in capital terms, subject to market liquidity, costs of trading, management expenses and other factors which may cause tracking error. The
scheme would alter the scrips/weights as and when the same are altered in the Nifty 50 Index. Research Highlights for UTI Nifty Index Fund Below is the key information for UTI Nifty Index Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Nifty Index Fund) An open-ended index linked growth scheme seeking to track the returns of the S&P CNX Nifty index through investment in a basket of stocks drawn from the constituents of the Nifty. Research Highlights for ICICI Prudential Nifty Index Fund Below is the key information for ICICI Prudential Nifty Index Fund Returns up to 1 year are on 1. Nippon India Index Fund - Sensex Plan
Nippon India Index Fund - Sensex Plan
Growth Launch Date 28 Sep 10 NAV (11 Nov 26) ₹41.9091 ↑ 0.39 (0.95 %) Net Assets (Cr) ₹874 on 30 Sep 26 Category Others - Index Fund AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderately High Expense Ratio 0.49 Sharpe Ratio -0.8 Information Ratio -11.95 Alpha Ratio -0.55 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-7 Days (0.25%),7 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹10,300 31 Oct 23 ₹10,890 31 Oct 24 ₹13,623 31 Oct 25 ₹14,503 31 Oct 26 ₹12,923 Returns for Nippon India Index Fund - Sensex Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Nov 26 Duration Returns 1 Month 13% 3 Month 4.7% 6 Month 8.3% 1 Year -2% 3 Year 8.7% 5 Year 7.1% 10 Year 15 Year Since launch 9.3% Historical performance (Yearly) on absolute basis
Year Returns 2025 9.8% 2024 8.9% 2023 19.5% 2022 5% 2021 22.4% 2020 16.6% 2019 14.2% 2018 6.2% 2017 27.9% 2016 2% Fund Manager information for Nippon India Index Fund - Sensex Plan
Name Since Tenure Himanshu Mange 23 Dec 23 2.78 Yr. Data below for Nippon India Index Fund - Sensex Plan as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 0.03% Equity 99.97% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 10 | HDFCBANK13% ₹110 Cr 1,549,705
↓ -3,392 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 10 | 53217411% ₹96 Cr 728,919
↓ -1,642 Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 10 | RELIANCE9% ₹80 Cr 673,527
↓ -15,947 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 10 | BHARTIARTL6% ₹56 Cr 316,934
↑ 6,486 Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 12 | LT5% ₹45 Cr 118,789
↓ -363 State Bank of India (Financial Services)
Equity, Since 31 Oct 10 | SBIN5% ₹41 Cr 421,913
↓ -1,352 Infosys Ltd (Technology)
Equity, Since 31 Oct 10 | INFY4% ₹36 Cr 358,606
↑ 3,200 Axis Bank Ltd (Financial Services)
Equity, Since 31 Dec 13 | 5322154% ₹36 Cr 290,882
↓ -609 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 30 Jun 17 | KOTAKBANK4% ₹31 Cr 747,687
↓ -2,326 Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 31 Oct 10 | M&M3% ₹27 Cr 90,943
↓ -291 2. LIC MF Index Fund Sensex
LIC MF Index Fund Sensex
Growth Launch Date 14 Nov 02 NAV (11 Nov 26) ₹153.203 ↑ 1.43 (0.94 %) Net Assets (Cr) ₹87 on 30 Sep 26 Category Others - Index Fund AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating ☆ Risk Moderately High Expense Ratio 1.02 Sharpe Ratio -0.83 Information Ratio -10.1 Alpha Ratio -1.1 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Months (1%),1 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹10,256 31 Oct 23 ₹10,823 31 Oct 24 ₹13,465 31 Oct 25 ₹14,242 31 Oct 26 ₹12,639 Returns for LIC MF Index Fund Sensex
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Nov 26 Duration Returns 1 Month 12.9% 3 Month 4.6% 6 Month 8.1% 1 Year -2.4% 3 Year 8.1% 5 Year 6.6% 10 Year 15 Year Since launch 12.5% Historical performance (Yearly) on absolute basis
Year Returns 2025 9.1% 2024 8.2% 2023 19% 2022 4.6% 2021 21.9% 2020 15.9% 2019 14.6% 2018 5.6% 2017 27.4% 2016 1.6% Fund Manager information for LIC MF Index Fund Sensex
Name Since Tenure Nikhil Kapoor 7 Apr 26 0.48 Yr. Sasikant Aravamuthan 1 Jul 26 0.25 Yr. Data below for LIC MF Index Fund Sensex as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 0.68% Equity 99.32% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 09 | HDFCBANK13% ₹11 Cr 152,908 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Apr 09 | 53217411% ₹10 Cr 71,866
↓ -675 Reliance Industries Ltd (Energy)
Equity, Since 31 Mar 09 | RELIANCE9% ₹8 Cr 66,338
↓ -1,227 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 09 | BHARTIARTL6% ₹5 Cr 31,133
↑ 468 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Mar 09 | LT5% ₹4 Cr 11,733
↑ 91 State Bank of India (Financial Services)
Equity, Since 31 Mar 09 | SBIN5% ₹4 Cr 41,612
↑ 255 Axis Bank Ltd (Financial Services)
Equity, Since 31 Dec 13 | 5322154% ₹4 Cr 28,671
↑ 210 Infosys Ltd (Technology)
Equity, Since 31 Mar 09 | INFY4% ₹4 Cr 35,289
↑ 576 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 30 Jun 17 | KOTAKBANK4% ₹3 Cr 73,751
↑ 619 Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 31 Mar 12 | M&M3% ₹3 Cr 9,021
↑ 114 3. Franklin India Index Fund Nifty Plan
Franklin India Index Fund Nifty Plan
Growth Launch Date 4 Aug 00 NAV (11 Nov 26) ₹204.996 ↑ 1.69 (0.83 %) Net Assets (Cr) ₹654 on 30 Sep 26 Category Others - Index Fund AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆ Risk Moderately High Expense Ratio 0.63 Sharpe Ratio -0.71 Information Ratio -4.81 Alpha Ratio -0.58 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-30 Days (1%),30 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹10,267 31 Oct 23 ₹10,903 31 Oct 24 ₹13,900 31 Oct 25 ₹14,867 31 Oct 26 ₹13,391 Returns for Franklin India Index Fund Nifty Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Nov 26 Duration Returns 1 Month 12.2% 3 Month 3.2% 6 Month 6.7% 1 Year -1.2% 3 Year 9.7% 5 Year 7.7% 10 Year 15 Year Since launch 12.2% Historical performance (Yearly) on absolute basis
Year Returns 2025 11.3% 2024 9.5% 2023 20.2% 2022 4.9% 2021 24.3% 2020 14.7% 2019 12% 2018 3.2% 2017 28.3% 2016 3.3% Fund Manager information for Franklin India Index Fund Nifty Plan
Name Since Tenure Sandeep Manam 18 Oct 21 4.96 Yr. Shyam Sriram 26 Sep 24 2.01 Yr. Data below for Franklin India Index Fund Nifty Plan as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 0.4% Equity 99.6% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 03 | HDFCBANK10% ₹68 Cr 953,219
↓ -37,631 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jan 10 | ICICIBANK9% ₹59 Cr 445,747
↓ -17,783 Reliance Industries Ltd (Energy)
Equity, Since 31 Jan 03 | RELIANCE8% ₹49 Cr 415,819
↓ -21,308 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Mar 04 | BHARTIARTL5% ₹33 Cr 189,123
↓ -7,637 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT4% ₹27 Cr 72,791
↓ -2,943 State Bank of India (Financial Services)
Equity, Since 31 Jan 03 | SBIN4% ₹25 Cr 257,014
↓ -10,443 Axis Bank Ltd (Financial Services)
Equity, Since 30 Jun 09 | 5322153% ₹22 Cr 178,786
↓ -7,042 Infosys Ltd (Technology)
Equity, Since 29 Feb 12 | INFY3% ₹22 Cr 219,639
↓ -7,316 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Mar 12 | KOTAKBANK3% ₹19 Cr 457,942
↓ -18,453 Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 28 Feb 07 | M&M3% ₹16 Cr 55,562
↓ -2,206 4. UTI Nifty Index Fund
UTI Nifty Index Fund
Growth Launch Date 6 Mar 00 NAV (11 Nov 26) ₹175.178 ↑ 1.46 (0.84 %) Net Assets (Cr) ₹28,064 on 30 Sep 26 Category Others - Index Fund AMC UTI Asset Management Company Ltd Rating ☆☆ Risk Moderately High Expense Ratio 0.29 Sharpe Ratio -0.69 Information Ratio -10.52 Alpha Ratio -0.29 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹10,296 31 Oct 23 ₹10,982 31 Oct 24 ₹14,038 31 Oct 25 ₹15,060 31 Oct 26 ₹13,596 Returns for UTI Nifty Index Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Nov 26 Duration Returns 1 Month 12.2% 3 Month 3.2% 6 Month 6.8% 1 Year -1% 3 Year 10% 5 Year 8% 10 Year 15 Year Since launch 11.3% Historical performance (Yearly) on absolute basis
Year Returns 2025 11.6% 2024 9.6% 2023 20.9% 2022 5.3% 2021 25.2% 2020 15.5% 2019 13.2% 2018 4.3% 2017 29.7% 2016 4% Fund Manager information for UTI Nifty Index Fund
Name Since Tenure Sharwan Goyal 31 Jul 18 8.17 Yr. Ayush Jain 2 May 22 4.42 Yr. Lokesh Kulthia 19 Jun 26 0.28 Yr. Data below for UTI Nifty Index Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Equity 100.04% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 10 | HDFCBANK10% ₹2,914 Cr 41,112,302
↑ 136,883 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jan 03 | ICICIBANK9% ₹2,541 Cr 19,225,034
↑ 56,309 Reliance Industries Ltd (Energy)
Equity, Since 31 Jan 03 | RELIANCE8% ₹2,129 Cr 17,934,243
↓ -142,617 Bharti Airtel Ltd (Communication Services)
Equity, Since 29 Feb 04 | BHARTIARTL5% ₹1,433 Cr 8,156,877
↑ 20,080 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Dec 04 | LT4% ₹1,180 Cr 3,139,467
↑ 7,586 State Bank of India (Financial Services)
Equity, Since 31 Jan 03 | SBIN4% ₹1,064 Cr 11,085,017
↑ 24,661 Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 09 | 5322153% ₹945 Cr 7,711,014
↑ 26,299 Infosys Ltd (Technology)
Equity, Since 31 Jan 03 | INFY3% ₹942 Cr 9,473,016
↑ 87,577 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | KOTAKBANK3% ₹824 Cr 19,751,050
↑ 50,283 Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 31 Jan 03 | M&M3% ₹707 Cr 2,396,394
↑ 7,479 5. ICICI Prudential Nifty Index Fund
ICICI Prudential Nifty Index Fund
Growth Launch Date 26 Feb 02 NAV (11 Nov 26) ₹256.01 ↑ 2.13 (0.84 %) Net Assets (Cr) ₹16,311 on 30 Sep 26 Category Others - Index Fund AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk Moderately High Expense Ratio 0.36 Sharpe Ratio -0.7 Information Ratio -9.02 Alpha Ratio -0.44 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹10,283 31 Oct 23 ₹10,955 31 Oct 24 ₹14,002 31 Oct 25 ₹15,001 31 Oct 26 ₹13,527 Returns for ICICI Prudential Nifty Index Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Nov 26 Duration Returns 1 Month 12.2% 3 Month 3.2% 6 Month 6.7% 1 Year -1.1% 3 Year 9.9% 5 Year 7.9% 10 Year 15 Year Since launch 14% Historical performance (Yearly) on absolute basis
Year Returns 2025 11.4% 2024 9.6% 2023 20.7% 2022 5.2% 2021 24.9% 2020 15.2% 2019 12.8% 2018 3.4% 2017 28.7% 2016 3.6% Fund Manager information for ICICI Prudential Nifty Index Fund
Name Since Tenure Nishit Patel 18 Jan 21 5.7 Yr. Ajaykumar Solanki 1 Feb 24 2.66 Yr. Ashwini Bharucha 18 Dec 24 1.78 Yr. Venus Ahuja 1 Nov 25 0.91 Yr. Data below for ICICI Prudential Nifty Index Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 0.02% Equity 99.98% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 05 | HDFCBANK10% ₹1,692 Cr 23,880,238
↓ -85,030 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 05 | ICICIBANK9% ₹1,476 Cr 11,166,934
↓ -44,265 Reliance Industries Ltd (Energy)
Equity, Since 31 Mar 05 | RELIANCE8% ₹1,237 Cr 10,417,173
↓ -155,429 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Aug 09 | BHARTIARTL5% ₹832 Cr 4,737,953
↓ -21,010 Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 12 | LT4% ₹686 Cr 1,823,571
↓ -8,169 State Bank of India (Financial Services)
Equity, Since 31 Mar 05 | SBIN4% ₹618 Cr 6,438,774
↓ -30,088 Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 09 | 5322153% ₹549 Cr 4,478,972
↓ -15,582 Infosys Ltd (Technology)
Equity, Since 31 Mar 05 | INFY3% ₹547 Cr 5,502,438
↑ 13,182 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 29 Feb 12 | KOTAKBANK3% ₹478 Cr 11,472,471
↓ -49,903 Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 31 Mar 05 | M&M3% ₹411 Cr 1,391,954
↓ -5,248
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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