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Benefits of Lump Sum Investing in Mutual Funds

Updated on March 9, 2025 , 12898 views

Lump sum investment refers to Investing a considerable amount in a Mutual Fund scheme. In lump sum investing, the money is deposited as a one-time down payment. Individuals who are having a large amount can deposit a significant proportion in Mutual Fund. Lump sum mode of investing is opposite to Systematic Investment plan or SIP mode. One can invest lump sum amount either in fixed Income or Equity Funds depending on their risk-appetite, investment tenure, and investment objective. Though most of the individuals prefer investing in Mutual Funds via SIP yet, there are some advantages of lump sum investing. So, let us understand the benefits of lump sum investing in Mutual Funds.

Benefits of Lump Sum Investing

Some of the benefits of lump sum investing in Mutual Funds are as follows:

Investment of Big Amount

By option for lump sum mode, individuals can invest a considerable amount in Mutual Funds. As a consequence, when the Market shows a growth period, then the investment value also increases to a large extent as compared to the value of SIP investment.

Ideal for Long-term Tenure

Lump sum investment is suitable for individuals who prefer to invest through long-term. Long-term investment in case of lump sum investment can be considered for an approximate investment tenure of 10 years or more. However, for lump sum investment in Debt fund, individuals can also choose to invest for a medium-term tenure.

Convenience

Lump sum mode is generally convenient for individuals as people who are having a large amount can spread their investments. However, if the investment is done through SIP mode then they have to be careful that the amount is invested at regular intervals.

Invest for the Timing

Whenever investors choose for a long-term investment, they should always look for the market timing. Individuals generally should choose to invest when the markets are already in a slump and is showing growth potentials. In this situation, individuals can earn higher returns through lump sum mode than in comparison to SIP mode. However, if the lump sum investment is done when the markets have already reached a peak, in that case, individuals might end up with a loss.

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Best Performing Lump Sum Funds for 2025

Since the lump sum investment is done for a long-term tenure, as a consequence, we can choose to invest in equity category specially in Large cap funds. So, let us look at some of the best performing large-cap Mutual Fund schemes that can be chosen for long-term investment through lump sum mode.

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2023 (%)
IDBI India Top 100 Equity Fund Growth	₹44.16 ↑ 0.05	₹655	5,000	9.2	12.5	15.4	21.9	12.6
Nippon India Large Cap Fund Growth	₹79.5781 ↓ -0.08	₹35,667	5,000	-11.4	-10.8	2.7	18.4	21.5	18.2
JM Core 11 Fund Growth	₹17.7301 ↑ 0.10	₹228	5,000	-16.1	-15.3	0.3	17.8	15.4	24.3
DSP BlackRock TOP 100 Equity Growth	₹427.442 ↑ 0.61	₹4,600	1,000	-8	-8.2	10.1	17	16.8	20.5
ICICI Prudential Bluechip Fund Growth	₹98.07 ↑ 0.45	₹63,297	5,000	-9.3	-9.7	2.7	16	20.6	16.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jul 23

*Above is list of best Lump Sum funds having AUM/Net Assets above 100 Crore. Sorted on Last 3 Year Return.

1. IDBI India Top 100 Equity Fund

The Investment objective of the Scheme is to provide investors with the opportunities for long-term capital appreciation by investing predominantly in Equity and Equity related Instruments of Large Cap companies. However there can be no assurance that the investment objective under the Scheme will be realized.

IDBI India Top 100 Equity Fund is a Equity - Large Cap fund was launched on 15 May 12. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 14.2% since its launch. Ranked 45 in Large Cap category. .

Below is the key information for IDBI India Top 100 Equity Fund

IDBI India Top 100 Equity Fund Growth
Launch Date	15 May 12
NAV (28 Jul 23)	₹44.16 ↑ 0.05 (0.11 %)
Net Assets (Cr)	₹655 on 30 Jun 23
Category	Equity - Large Cap
AMC	IDBI Asset Management Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.47
Sharpe Ratio	1.09
Information Ratio	0.14
Alpha Ratio	2.11
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹12,733
28 Feb 22	₹15,381
28 Feb 23	₹15,758

IDBI India Top 100 Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684 Invest Now

Returns for IDBI India Top 100 Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

Duration	Returns
1 Month	3%
3 Month	9.2%
6 Month	12.5%
1 Year	15.4%
3 Year	21.9%
5 Year	12.6%
10 Year
15 Year
Since launch	14.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014

Fund Manager information for IDBI India Top 100 Equity Fund

Name	Since	Tenure

Data below for IDBI India Top 100 Equity Fund as on 30 Jun 23

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

2. Nippon India Large Cap Fund

(Erstwhile Reliance Top 200 Fund)

The primary investment objective of the scheme is to seek to generate long term capital appreciation by investing in equity and equity related instruments of companies whose market capitalization is within the range of highest & lowest market capitalization of S&P BSE 200 Index. The secondary objective is to generate consistent returns by investing in debt and money market securities.

Nippon India Large Cap Fund is a Equity - Large Cap fund was launched on 8 Aug 07. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 12.5% since its launch. Ranked 20 in Large Cap category. Return for 2024 was 18.2% , 2023 was 32.1% and 2022 was 11.3% .

Below is the key information for Nippon India Large Cap Fund

Nippon India Large Cap Fund Growth
Launch Date	8 Aug 07
NAV (11 Mar 25)	₹79.5781 ↓ -0.08 (-0.10 %)
Net Assets (Cr)	₹35,667 on 31 Jan 25
Category	Equity - Large Cap
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.7
Sharpe Ratio	0.55
Information Ratio	1.58
Alpha Ratio	2.3
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹12,511
28 Feb 22	₹14,661
28 Feb 23	₹16,345
29 Feb 24	₹23,242
28 Feb 25	₹23,822

Nippon India Large Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033 Invest Now

Returns for Nippon India Large Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

Duration	Returns
1 Month	-2.3%
3 Month	-11.4%
6 Month	-10.8%
1 Year	2.7%
3 Year	18.4%
5 Year	21.5%
10 Year
15 Year
Since launch	12.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	18.2%
2022	32.1%
2021	11.3%
2020	32.4%
2019	4.9%
2018	7.3%
2017	-0.2%
2016	38.4%
2015	2.2%
2014	1.1%

Fund Manager information for Nippon India Large Cap Fund

Name	Since	Tenure
Sailesh Raj Bhan	8 Aug 07	17.58 Yr.
Kinjal Desai	25 May 18	6.77 Yr.
Bhavik Dave	19 Aug 24	0.53 Yr.

Data below for Nippon India Large Cap Fund as on 31 Jan 25

Equity Sector Allocation

Sector	Value
Financial Services	34.94%
Consumer Cyclical	13.75%
Technology	10.17%
Industrials	9.63%
Energy	7.6%
Consumer Defensive	6.17%
Utility	5.52%
Basic Materials	5.39%
Health Care	4.3%
Communication Services	0.29%

Asset Allocation

Asset Class	Value
Cash	2.24%
Equity	97.76%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 08 \| HDFCBANK	9%	₹3,217 Cr	18,940,367
Reliance Industries Ltd (Energy) Equity, Since 31 Aug 19 \| RELIANCE	6%	₹2,282 Cr	18,036,077 ↑ 2,673,940
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	6%	₹2,130 Cr	17,000,000
Infosys Ltd (Technology) Equity, Since 30 Sep 07 \| INFY	4%	₹1,598 Cr	8,500,084
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Dec 21 \| 500034	4%	₹1,441 Cr	1,826,882 ↑ 65,270
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 15 \| 532215	4%	₹1,407 Cr	14,265,022 ↑ 3,264,942
State Bank of India (Financial Services) Equity, Since 31 Oct 10 \| SBIN	4%	₹1,368 Cr	17,700,644 ↑ 500,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Sep 07 \| LT	4%	₹1,284 Cr	3,600,529
Tata Consultancy Services Ltd (Technology) Equity, Since 30 Jun 24 \| TCS	3%	₹1,028 Cr	2,500,000 ↑ 200,000
GE Vernova T&D India Ltd (Industrials) Equity, Since 30 Jun 12 \| 522275	3%	₹935 Cr	5,229,540 ↑ 198,071

3. JM Core 11 Fund

The investment objective of the Scheme is to provide long-term growth by investing predominantly in a concentrated portfolio of equity / equity related instruments of companies.

JM Core 11 Fund is a Equity - Large Cap fund was launched on 5 Mar 08. It is a fund with High risk and has given a CAGR/Annualized return of 3.4% since its launch. Ranked 18 in Large Cap category. Return for 2024 was 24.3% , 2023 was 32.9% and 2022 was 7.1% .

Below is the key information for JM Core 11 Fund

JM Core 11 Fund Growth
Launch Date	5 Mar 08
NAV (11 Mar 25)	₹17.7301 ↑ 0.10 (0.59 %)
Net Assets (Cr)	₹228 on 31 Jan 25
Category	Equity - Large Cap
AMC	JM Financial Asset Management Limited
Rating	☆☆☆☆
Risk	High
Expense Ratio	2.45
Sharpe Ratio	0.3
Information Ratio	0.59
Alpha Ratio	1
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-60 Days (1%),60 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,971
28 Feb 22	₹12,278
28 Feb 23	₹13,045
29 Feb 24	₹19,316
28 Feb 25	₹18,983

JM Core 11 Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 Invest Now

Returns for JM Core 11 Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

Duration	Returns
1 Month	-3%
3 Month	-16.1%
6 Month	-15.3%
1 Year	0.3%
3 Year	17.8%
5 Year	15.4%
10 Year
15 Year
Since launch	3.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	24.3%
2022	32.9%
2021	7.1%
2020	16.3%
2019	6.3%
2018	10.6%
2017	-5%
2016	43.1%
2015	11.1%
2014	-2.4%

Fund Manager information for JM Core 11 Fund

Name	Since	Tenure
Satish Ramanathan	1 Oct 24	0.41 Yr.
Asit Bhandarkar	25 Feb 09	16.02 Yr.
Chaitanya Choksi	18 Jul 14	10.63 Yr.
Ruchi Fozdar	4 Oct 24	0.41 Yr.

Data below for JM Core 11 Fund as on 31 Jan 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	27.44%
Financial Services	23.28%
Industrials	15.84%
Health Care	9.37%
Technology	9.28%
Communication Services	4.28%
Utility	3.03%
Consumer Defensive	2.36%
Basic Materials	2.33%

Asset Allocation

Asset Class	Value
Cash	2.8%
Equity	97.2%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Infosys Ltd (Technology) Equity, Since 28 Feb 21 \| INFY	7%	₹15 Cr	80,110 ↑ 4,000
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Jan 25 \| 500034	6%	₹14 Cr	18,000 ↑ 18,000
Titan Co Ltd (Consumer Cyclical) Equity, Since 30 Sep 24 \| TITAN	6%	₹13 Cr	36,100 ↑ 7,500
ICICI Bank Ltd (Financial Services) Equity, Since 30 Sep 23 \| ICICIBANK	5%	₹12 Cr	92,676
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 24 \| HDFCBANK	5%	₹11 Cr	66,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Dec 24 \| INDIGO	5%	₹11 Cr	25,000 ↑ 10,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Jan 25 \| MARUTI	5%	₹10 Cr	8,500 ↑ 8,500
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 24 \| BHARTIARTL	4%	₹10 Cr	60,000 ↑ 15,000
PB Fintech Ltd (Financial Services) Equity, Since 31 Oct 24 \| 543390	4%	₹9 Cr	52,818 ↑ 10,600
Swiggy Ltd (Consumer Cyclical) Equity, Since 31 Jan 25 \| SWIGGY	4%	₹8 Cr	200,000 ↑ 200,000

4. DSP BlackRock TOP 100 Equity

The Fund is seeking to generate capital appreciation, from a portfolio that is substantially constituted of equity and equity related securities of the 100 largest corporates, by market capitalisation, listed in India.

DSP BlackRock TOP 100 Equity is a Equity - Large Cap fund was launched on 10 Mar 03. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 18.6% since its launch. Ranked 60 in Large Cap category. Return for 2024 was 20.5% , 2023 was 26.6% and 2022 was 1.4% .

Below is the key information for DSP BlackRock TOP 100 Equity

DSP BlackRock TOP 100 Equity Growth
Launch Date	10 Mar 03
NAV (11 Mar 25)	₹427.442 ↑ 0.61 (0.14 %)
Net Assets (Cr)	₹4,600 on 31 Jan 25
Category	Equity - Large Cap
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆
Risk	Moderately High
Expense Ratio	2.08
Sharpe Ratio	0.91
Information Ratio	0.53
Alpha Ratio	6.66
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
29 Feb 20	₹10,000
28 Feb 21	₹11,685
28 Feb 22	₹12,801
28 Feb 23	₹13,570
29 Feb 24	₹18,201
28 Feb 25	₹19,896

DSP BlackRock TOP 100 Equity SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 Invest Now

Returns for DSP BlackRock TOP 100 Equity

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

Duration	Returns
1 Month	-1.8%
3 Month	-8%
6 Month	-8.2%
1 Year	10.1%
3 Year	17%
5 Year	16.8%
10 Year
15 Year
Since launch	18.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	20.5%
2022	26.6%
2021	1.4%
2020	19.5%
2019	7.5%
2018	14.8%
2017	-2.7%
2016	26.5%
2015	4.9%
2014	-2.3%

Fund Manager information for DSP BlackRock TOP 100 Equity

Name	Since	Tenure
Abhishek Singh	1 Jun 22	2.75 Yr.

Data below for DSP BlackRock TOP 100 Equity as on 31 Jan 25

Equity Sector Allocation

Sector	Value
Financial Services	43.46%
Consumer Cyclical	13.8%
Health Care	8.16%
Consumer Defensive	5.54%
Utility	5.27%
Technology	5.22%
Energy	3.46%
Basic Materials	2.3%
Communication Services	1.76%
Industrials	1.56%

Asset Allocation

Asset Class	Value
Cash	9.34%
Equity	90.66%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jul 16 \| ICICIBANK	9%	₹417 Cr	3,325,610
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 14 \| HDFCBANK	9%	₹416 Cr	2,446,354
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 28 Feb 22 \| M&M	6%	₹258 Cr	863,416
ITC Ltd (Consumer Defensive) Equity, Since 31 Mar 21 \| ITC	6%	₹255 Cr	5,689,994 ↑ 407,359
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Jun 22 \| 500034	5%	₹233 Cr	296,061 ↓ -47,370
Cipla Ltd (Healthcare) Equity, Since 30 Jun 20 \| 500087	5%	₹215 Cr	1,455,004 ↑ 210,238
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 21 \| 532215	5%	₹211 Cr	2,143,363 ↑ 372,561
State Bank of India (Financial Services) Equity, Since 30 Nov 22 \| SBIN	4%	₹183 Cr	2,369,151
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 17 \| SBILIFE	4%	₹182 Cr	1,224,579
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 May 24 \| KOTAKBANK	4%	₹181 Cr	953,830 ↑ 64,581

5. ICICI Prudential Bluechip Fund

(Erstwhile ICICI Prudential Focused Bluechip Equity Fund)

To generate long-term capital appreciation and income distribution to unit holders from a portfolio that is invested in equity and equity related securities of about 20 companies belonging to the large cap domain and the balance in debt securities and money market instruments. The Fund Manager will always select stocks for investment from among Top 200 stocks in terms of market capitalization on the National Stock Exchange of India Ltd. If the total assets under management under this scheme goes above Rs. 1,000 crores the Fund Manager reserves the right to increase the number of companies to more than 20.

ICICI Prudential Bluechip Fund is a Equity - Large Cap fund was launched on 23 May 08. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 14.6% since its launch. Ranked 21 in Large Cap category. Return for 2024 was 16.9% , 2023 was 27.4% and 2022 was 6.9% .

Below is the key information for ICICI Prudential Bluechip Fund

ICICI Prudential Bluechip Fund Growth
Launch Date	23 May 08
NAV (11 Mar 25)	₹98.07 ↑ 0.45 (0.46 %)
Net Assets (Cr)	₹63,297 on 31 Jan 25
Category	Equity - Large Cap
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.69
Sharpe Ratio	0.48
Information Ratio	1.04
Alpha Ratio	1.81
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹13,046
28 Feb 22	₹15,492
28 Feb 23	₹16,355
29 Feb 24	₹22,815
28 Feb 25	₹23,416

ICICI Prudential Bluechip Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 Invest Now

Returns for ICICI Prudential Bluechip Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

Duration	Returns
1 Month	-2.4%
3 Month	-9.3%
6 Month	-9.7%
1 Year	2.7%
3 Year	16%
5 Year	20.6%
10 Year
15 Year
Since launch	14.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	16.9%
2022	27.4%
2021	6.9%
2020	29.2%
2019	13.5%
2018	9.8%
2017	-0.8%
2016	32.7%
2015	7.7%
2014	-0.2%

Fund Manager information for ICICI Prudential Bluechip Fund

Name	Since	Tenure
Anish Tawakley	5 Sep 18	6.49 Yr.
Vaibhav Dusad	18 Jan 21	4.12 Yr.
Sharmila D’mello	31 Jul 22	2.59 Yr.

Data below for ICICI Prudential Bluechip Fund as on 31 Jan 25

Equity Sector Allocation

Sector	Value
Financial Services	27.84%
Industrials	10.24%
Consumer Cyclical	9.83%
Energy	8.4%
Technology	8.29%
Basic Materials	7.62%
Consumer Defensive	5.26%
Health Care	4.97%
Communication Services	4.59%
Utility	3.57%
Real Estate	1.17%

Asset Allocation

Asset Class	Value
Cash	8.23%
Equity	91.77%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 10 \| HDFCBANK	9%	₹5,826 Cr	34,294,013 ↑ 1,751,819
ICICI Bank Ltd (Financial Services) Equity, Since 30 Jun 08 \| ICICIBANK	8%	₹5,076 Cr	40,518,440
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Jan 12 \| LT	6%	₹4,100 Cr	11,492,922 ↑ 88,500
Infosys Ltd (Technology) Equity, Since 30 Nov 10 \| INFY	5%	₹3,116 Cr	16,573,722 ↓ -197,137
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Apr 16 \| MARUTI	5%	₹2,918 Cr	2,370,209
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 08 \| RELIANCE	5%	₹2,891 Cr	22,854,559
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Aug 09 \| BHARTIARTL	5%	₹2,850 Cr	17,522,281 ↑ 7,331
UltraTech Cement Ltd (Basic Materials) Equity, Since 30 Sep 17 \| 532538	4%	₹2,731 Cr	2,377,728 ↑ 70,189
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 14 \| 532215	4%	₹2,348 Cr	23,807,059 ↑ 356,875
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 31 Jul 15 \| SUNPHARMA	3%	₹1,786 Cr	10,239,095 ↑ 177,031

Lump Sum Calculator

Lump sum calculator is an instrument that helps individuals to understand how much will be the value of their Lump Sum Investment in Mutual Funds at the end of the investment tenure. The input data that needs to be fed in the calculator include tenure of lump sum investment, amount of lump sum investment, expected the long-term growth rate in the equity markets, expected long-term Inflation rate. So, let us understand the concept of how to use a lump sum calculator.

Lump Sum Investment: INR 35,000

Investment Tenure: 20 Years

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

Long-term Inflation Rate (Approx.): 4%

Expected Returns as per Lump Sum Calculator: INR 2,82,181

Net Profit on the Investment: INR 2,47,181

Thus, the above calculation shows that the net profit on the investment on your investment is INR 2,47,181 while the total value of your investment is INR 2,82,181.

Thus, from the above pointers, it can be said that lump sum mode of investing also has its advantages. However, individuals should be cautious while choosing lump sum mode of investment. They should check whether such mode is suitable for them or not. If individuals are not very comfortable with lump sum mode, then they can choose for STP or Systematic Transfer Plan in which they first invest the lump sum amount in a Liquid Fund and then transfer it systematically to equity fund at regular intervals.

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.