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Fincash » Mutual Funds » SIP Vs Lump Sum

SIPs Vs Lump Sum

Updated on November 4, 2024 , 6566 views

SIPs Vs Lump sum Investing? There are various articles that say systematic investment plans(or SIPs) are the best route to be taken for investing in Mutual Funds. Various SIP calculators help you plan for that goal, many websites, and financial planners will also advocate the Top SIP plans to invest. Most will talk about rupee cost averaging & the benefits of SIPs, stating that getting into the stock Market via lump sum investment may not be the best way. While one may get into the best mutual fund for SIP, can one expect better returns than lump sum investing by using SIP as the investing mode?

SIPs or Lump Sum: Invest for Time not Timing

Investing is always about the ability to generate returns. Whether it's a lump sum investment or a systematic Investment plan, one needs to be prudent and make the correct decisions. Investing in Mutual Funds is not always about selecting the best mutual funds or the Best SIP Plans. There is much more that needs to be considered. Especially, if one is thinking about investing in the equity markets, one needs to be even more careful. An analysis of the stock market (taking the BSE Sensex as the benchmark) yields that the chance of making returns increases if one stays invested for a long term. As one can see from the table below, if one just goes by numbers, there is a 30% chance that you may make a loss if you plan to stay invested in the stock market for only 1 year.

How-chance-of-making-a-loss-in-equity-changes-over-time

Hence most advisors when talking about equity investments would always relate to equities with "long term investing". If one plans to stay invested for 5 years the probability to make loss drops to 13%. And if one is truly long-term ( more than 10 years), than the ability to make a loss tends towards zero. Hence, if one is really interested in making money from the stock market, its all about spending time in the stock market. (rather than marking timing!)

Average-returns-&-variation-of-returns-by-various-holding-periods

SIPs or Lump Sum: An Analysis

It's quite clear that investing in the equity markets is a long-term game. A lot of people advocate that the benefits of SIPs extend from rupee cost averaging to disciplined investing, but there is a bigger question to be answered, do SIPs deliver better returns than lump sum investing?

We tried to get a deeper understanding of this question by looking at the equity markets since 1979 (since the inception of the BSE Sensex). The BSE Sensex is a composition of the top 30 companies in India and is a representation of the equity market. Analysing this data, we could get some insights to see if SIPs or lump sum, which is better.

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Worst Periods of Stock Market

The worst period to start investing was around September 1994 (this was the time when the stock market had peaked). In fact, if one looks at market data the investor who had invested a lump sum sat on negative returns for 59 months( nearly 5 years!). The investor broke even in about July of 1999. The next year though some returns were generated, these returns were short lived due to the 2000 stock market crash subsequently. After suffering for another 4 years (with negative returns) and the investor finally became positive in October 2003. This was possibly the worst time to have invested a lump sum.

SIP-Vs-lump-sum-Sept'94-to-Oct'03

What happened to the SIP investor? The systematic Investment Plan investor was negative for only 19 months and started posting profits, however, these were short-lived. The SIP investors were up again by May 1999 after suffering interim losses. While the journey still continued to be shaky, SIP investors showed profits in the Portfolio much earlier. The maximum loss for the lump sum investor was nearly 40%, whereas for the SIP investor was 23%. The systematic investment plan investor had a faster recovery period as well as a lower loss in the portfolio.

Another very gloomy period to start investing was around March 2000 (this was the time when the stock market had peaked, again!). In fact, if one looks at market data the investor who had invested a lump sum sat on negative returns for 45 months straight( nearly 4 years!). The investor broke even in about of December of 2003. The next year though some returns were generated, these returns were short lived due to a slip again in 2004. After suffering for another 1 year, the investor finally became positive in September 2004. This was another bad time to have invested a lump sum.

SIP-Vs-lump-sum-Mar'00-to-Sept'04

What was the story of the SIP investor who started investing in March of 2000? If one invested monthly sums of equal amounts, the investor was positive in June 2003 and by September 2004, the portfolio was up 45% overall. (when the lump sum investor was breaking even). Another aspect to note is the maximum loss, the lump sum investor has suffered a nearly 50% loss by September 2001, comparatively, the SIP portfolio loss was 28% at the same time.

What we can get from the above is that when the stock market is in for a bad period, it's always better to be in a SIP since the recovery is faster and also one sees lower losses in the portfolio too.

Best Periods of the Stock Market

Looking at the last 37 years data of the stock market from 1979 to 2016, one deciphers that if one invested early on (1979 - inception time of the BSE Sensex), one hardly saw any negative returns in the portfolio.

A 5-year analysis from August 1979 shows that both the lump sum and Systematic Investment Plan portfolios posted hardly any loss in any time period from there. As one can see from the graph below, both portfolios posted handsome profits year-on-year. At the end of every year, the lump sum portfolio overtook the SIP portfolio and increased the lead margin too.

SIPs-Vs-lump-sum-Aug'79-to-Aug'85

SIPs-Vs-lump-sum-Aug'79-to-Aug‘84

Hence, in case the market is expected to go one way up, the lump sum is always the better option.

Which is Better Investment Mode?

While we can analyse all periods of the stock market, can we really decide which is better? The answer to this varies from individual to individual, the cash flows, investing(or holding) periods, outgoing cash flows or requirements etc. SIPs are a great tool to inculcate the habit of savings, they channelize the investment of individuals into the stock market. One also has to plan for investing for the long term if you plan to invest in equities, where we clearly know that the ability to generate returns increases with time. Also, if one feels the markets may be choppy and not a straight line up, then SIPs are a great tool to enter the market. Additionally, data shows that SIPs also ensure that the investor suffers lower losses at any time.

In case there is feeling that the market would be secular (one way!) on the upside, in that situation, lump sum investing would be the way to go.

Best Performing SIP Plans in India 2024

1. LIC MF Infrastructure Fund

The investment objective of the scheme is to provide long term growth from a portfolio of equity / equity related instruments of companies engaged either directly or indirectly in the infrastructure sector.

LIC MF Infrastructure Fund is a Equity - Sectoral fund was launched on 29 Feb 08. It is a fund with High risk and has given a CAGR/Annualized return of 10.3% since its launch.  Return for 2023 was 44.4% , 2022 was 7.9% and 2021 was 46.6% .

Below is the key information for LIC MF Infrastructure Fund

LIC MF Infrastructure Fund
Growth
Launch Date 29 Feb 08
NAV (06 Nov 24) ₹51.4131 ↑ 1.05   (2.09 %)
Net Assets (Cr) ₹750 on 30 Sep 24
Category Equity - Sectoral
AMC LIC Mutual Fund Asset Mgmt Co Ltd
Rating Not Rated
Risk High
Expense Ratio 2.3
Sharpe Ratio 3.26
Information Ratio 0.94
Alpha Ratio 22.85
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹8,857
31 Oct 21₹15,041
31 Oct 22₹16,473
31 Oct 23₹20,435
31 Oct 24₹34,608

LIC MF Infrastructure Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹612,552.
Net Profit of ₹312,552
Invest Now

Returns for LIC MF Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Nov 24

DurationReturns
1 Month 1.4%
3 Month 4.1%
6 Month 24%
1 Year 67.8%
3 Year 31.2%
5 Year 28.5%
10 Year
15 Year
Since launch 10.3%
Historical performance (Yearly) on absolute basis
YearReturns
2023 44.4%
2022 7.9%
2021 46.6%
2020 -0.1%
2019 13.3%
2018 -14.6%
2017 42.2%
2016 -2.2%
2015 -6.2%
2014 49.6%
Fund Manager information for LIC MF Infrastructure Fund
NameSinceTenure
Yogesh Patil18 Sep 204.04 Yr.
Mahesh Bendre1 Jul 240.25 Yr.

Data below for LIC MF Infrastructure Fund as on 30 Sep 24

Equity Sector Allocation
SectorValue
Industrials53.51%
Basic Materials11.48%
Consumer Cyclical8.01%
Utility7.69%
Financial Services5.34%
Technology3.13%
Real Estate2.55%
Communication Services2.31%
Health Care2.08%
Energy1.34%
Asset Allocation
Asset ClassValue
Cash2.56%
Equity97.44%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Garware Hi-Tech Films Ltd (Basic Materials)
Equity, Since 31 Aug 23 | 500655
4%₹31 Cr79,367
↑ 942
Shakti Pumps (India) Ltd (Industrials)
Equity, Since 31 Mar 24 | SHAKTIPUMP
4%₹28 Cr64,490
↑ 14,294
Schneider Electric Infrastructure Ltd (Industrials)
Equity, Since 31 Dec 23 | SCHNEIDER
4%₹26 Cr324,490
Cummins India Ltd (Industrials)
Equity, Since 31 May 21 | 500480
3%₹25 Cr65,432
GE T&D India Ltd (Industrials)
Equity, Since 31 Jan 24 | 522275
3%₹21 Cr127,403
↑ 32,224
Bharat Bijlee Ltd (Industrials)
Equity, Since 31 Jul 22 | BBL
3%₹21 Cr44,119
ISGEC Heavy Engineering Ltd (Industrials)
Equity, Since 31 Jul 24 | 533033
3%₹20 Cr148,097
↑ 4,345
Tata Power Co Ltd (Utilities)
Equity, Since 29 Feb 24 | 500400
3%₹20 Cr406,920
↑ 246,051
Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 31 May 24 | 500103
2%₹17 Cr598,457
↑ 194,190
Hitachi Energy India Ltd Ordinary Shares (Technology)
Equity, Since 31 Jul 22 | POWERINDIA
2%₹17 Cr11,454

2. Motilal Oswal Midcap 30 Fund 

(Erstwhile Motilal Oswal MOSt Focused Midcap 30 Fund)

The investment objective of the Scheme is to achieve long term capital appreciation by investing in a maximum of 30 quality mid-cap companies having long-term competitive advantages and potential for growth. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved.

Motilal Oswal Midcap 30 Fund  is a Equity - Mid Cap fund was launched on 24 Feb 14. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 24.8% since its launch.  Ranked 27 in Mid Cap category.  Return for 2023 was 41.7% , 2022 was 10.7% and 2021 was 55.8% .

Below is the key information for Motilal Oswal Midcap 30 Fund 

Motilal Oswal Midcap 30 Fund 
Growth
Launch Date 24 Feb 14
NAV (06 Nov 24) ₹106.89 ↑ 3.50   (3.38 %)
Net Assets (Cr) ₹18,604 on 30 Sep 24
Category Equity - Mid Cap
AMC Motilal Oswal Asset Management Co. Ltd
Rating
Risk Moderately High
Expense Ratio 0.66
Sharpe Ratio 3.44
Information Ratio 1.23
Alpha Ratio 22.5
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.

DateValue
31 Oct 19₹10,000
31 Oct 20₹9,551
31 Oct 21₹16,394
31 Oct 22₹19,861
31 Oct 23₹23,514
31 Oct 24₹39,059

Motilal Oswal Midcap 30 Fund  SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹673,113.
Net Profit of ₹373,113
Invest Now

Returns for Motilal Oswal Midcap 30 Fund 

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Nov 24

DurationReturns
1 Month 1%
3 Month 11.2%
6 Month 29.1%
1 Year 67.1%
3 Year 33.7%
5 Year 33%
10 Year
15 Year
Since launch 24.8%
Historical performance (Yearly) on absolute basis
YearReturns
2023 41.7%
2022 10.7%
2021 55.8%
2020 9.3%
2019 9.7%
2018 -12.7%
2017 30.8%
2016 5.2%
2015 16.5%
2014
Fund Manager information for Motilal Oswal Midcap 30 Fund 
NameSinceTenure
Ajay Khandelwal1 Oct 240 Yr.
Niket Shah1 Jul 204.25 Yr.
Santosh Singh1 Oct 240 Yr.
Rakesh Shetty22 Nov 221.86 Yr.
Sunil Sawant1 Jul 240.25 Yr.

Data below for Motilal Oswal Midcap 30 Fund  as on 30 Sep 24

Equity Sector Allocation
SectorValue
Industrials22.85%
Technology20.91%
Consumer Cyclical17.5%
Financial Services8.81%
Health Care4.47%
Basic Materials3.7%
Real Estate2.73%
Asset Allocation
Asset ClassValue
Cash19.02%
Equity80.98%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 29 Feb 24 | KALYANKJIL
10%₹1,855 Cr25,400,000
↑ 400,000
Polycab India Ltd (Industrials)
Equity, Since 30 Sep 23 | POLYCAB
10%₹1,774 Cr2,550,000
↑ 450,000
Jio Financial Services Ltd (Financial Services)
Equity, Since 31 Aug 23 | JIOFIN
9%₹1,640 Cr46,773,159
↑ 13,873,159
Coforge Ltd (Technology)
Equity, Since 31 Mar 23 | COFORGE
8%₹1,579 Cr2,250,000
↑ 650,000
Persistent Systems Ltd (Technology)
Equity, Since 31 Jan 23 | PERSISTENT
8%₹1,472 Cr2,700,000
↓ -13,800
Tube Investments of India Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jul 20 | TIINDIA
6%₹1,070 Cr2,467,811
↑ 217,811
Voltas Ltd (Industrials)
Equity, Since 31 Oct 17 | VOLTAS
5%₹923 Cr5,000,000
Balkrishna Industries Ltd (Consumer Cyclical)
Equity, Since 28 Feb 23 | BALKRISIND
4%₹717 Cr2,350,000
↑ 124,002
Zomato Ltd (Consumer Cyclical)
Equity, Since 30 Apr 23 | 543320
4%₹683 Cr25,000,000
↓ -500,000
Max Healthcare Institute Ltd Ordinary Shares (Healthcare)
Equity, Since 31 Mar 24 | MAXHEALTH
3%₹540 Cr5,481,171
↑ 981,171

3. SBI PSU Fund

The objective of the scheme would be to provide investors with opportunities for long-term growth in capital along with the liquidity of an open-ended scheme through an active management of investments in a diversified basket of equity stocks of domestic Public Sector Undertakings and in debt and money market instruments issued by PSUs AND others.

SBI PSU Fund is a Equity - Sectoral fund was launched on 7 Jul 10. It is a fund with High risk and has given a CAGR/Annualized return of 8.6% since its launch.  Ranked 31 in Sectoral category.  Return for 2023 was 54% , 2022 was 29% and 2021 was 32.4% .

Below is the key information for SBI PSU Fund

SBI PSU Fund
Growth
Launch Date 7 Jul 10
NAV (06 Nov 24) ₹32.7401 ↑ 0.72   (2.24 %)
Net Assets (Cr) ₹4,703 on 30 Sep 24
Category Equity - Sectoral
AMC SBI Funds Management Private Limited
Rating
Risk High
Expense Ratio 2.3
Sharpe Ratio 2
Information Ratio -0.58
Alpha Ratio -6.57
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.

DateValue
31 Oct 19₹10,000
31 Oct 20₹7,320
31 Oct 21₹11,991
31 Oct 22₹14,035
31 Oct 23₹17,801
31 Oct 24₹29,315

SBI PSU Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833
Invest Now

Returns for SBI PSU Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Nov 24

DurationReturns
1 Month -1.4%
3 Month -0.9%
6 Month 5.4%
1 Year 65.8%
3 Year 35.2%
5 Year 24.9%
10 Year
15 Year
Since launch 8.6%
Historical performance (Yearly) on absolute basis
YearReturns
2023 54%
2022 29%
2021 32.4%
2020 -10%
2019 6%
2018 -23.8%
2017 21.9%
2016 16.2%
2015 -11.1%
2014 41.5%
Fund Manager information for SBI PSU Fund
NameSinceTenure
Rohit Shimpi1 Jun 240.33 Yr.

Data below for SBI PSU Fund as on 30 Sep 24

Equity Sector Allocation
SectorValue
Financial Services34.91%
Utility25.75%
Energy18.46%
Industrials10.34%
Basic Materials7.08%
Asset Allocation
Asset ClassValue
Cash3.46%
Equity96.54%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
State Bank of India (Financial Services)
Equity, Since 31 Jul 10 | SBIN
14%₹652 Cr8,277,500
Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jul 10 | 532898
9%₹444 Cr12,585,554
↓ -650,000
GAIL (India) Ltd (Utilities)
Equity, Since 31 May 24 | 532155
9%₹441 Cr18,350,000
Bharat Petroleum Corp Ltd (Energy)
Equity, Since 31 Aug 24 | 500547
6%₹303 Cr8,200,000
Bharat Electronics Ltd (Industrials)
Equity, Since 30 Jun 24 | BEL
6%₹296 Cr10,375,000
↑ 1,200,000
NTPC Ltd (Utilities)
Equity, Since 31 Jul 10 | 532555
5%₹241 Cr5,443,244
NMDC Ltd (Basic Materials)
Equity, Since 31 Oct 23 | 526371
5%₹228 Cr9,300,000
Bank of Baroda (Financial Services)
Equity, Since 31 Aug 24 | 532134
4%₹193 Cr7,800,000
SBI Life Insurance Co Ltd (Financial Services)
Equity, Since 30 Jun 24 | SBILIFE
4%₹184 Cr1,000,000
General Insurance Corp of India (Financial Services)
Equity, Since 31 May 24 | GICRE
3%₹142 Cr3,600,000
↑ 600,000

4. Invesco India PSU Equity Fund

To generate capital appreciation by investing in Equity and Equity Related Instruments of companies where the Central / State Government(s) has majority shareholding or management control or has powers to appoint majority of directors. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns.

Invesco India PSU Equity Fund is a Equity - Sectoral fund was launched on 18 Nov 09. It is a fund with High risk and has given a CAGR/Annualized return of 13.3% since its launch.  Ranked 33 in Sectoral category.  Return for 2023 was 54.5% , 2022 was 20.5% and 2021 was 31.1% .

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund
Growth
Launch Date 18 Nov 09
NAV (06 Nov 24) ₹64.55 ↑ 1.48   (2.35 %)
Net Assets (Cr) ₹1,436 on 30 Sep 24
Category Equity - Sectoral
AMC Invesco Asset Management (India) Private Ltd
Rating
Risk High
Expense Ratio 2.39
Sharpe Ratio 2.45
Information Ratio -0.88
Alpha Ratio 5.55
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.

DateValue
31 Oct 19₹10,000
31 Oct 20₹9,021
31 Oct 21₹14,280
31 Oct 22₹16,042
31 Oct 23₹20,228
31 Oct 24₹33,355

Invesco India PSU Equity Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181
Invest Now

Returns for Invesco India PSU 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 6 Nov 24

DurationReturns
1 Month -0.9%
3 Month -2.2%
6 Month 9.3%
1 Year 65.3%
3 Year 32.6%
5 Year 27.9%
10 Year
15 Year
Since launch 13.3%
Historical performance (Yearly) on absolute basis
YearReturns
2023 54.5%
2022 20.5%
2021 31.1%
2020 6.1%
2019 10.1%
2018 -16.9%
2017 24.3%
2016 17.9%
2015 2.5%
2014 54.5%
Fund Manager information for Invesco India PSU Equity Fund
NameSinceTenure
Dhimant Kothari19 May 204.37 Yr.

Data below for Invesco India PSU Equity Fund as on 30 Sep 24

Equity Sector Allocation
SectorValue
Industrials29.62%
Financial Services25.54%
Utility22.44%
Energy18.01%
Basic Materials3.81%
Asset Allocation
Asset ClassValue
Cash0.57%
Equity99.43%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
NTPC Ltd (Utilities)
Equity, Since 31 May 19 | 532555
9%₹131 Cr2,949,113
↓ -445,929
Bharat Electronics Ltd (Industrials)
Equity, Since 31 Mar 17 | BEL
9%₹124 Cr4,338,255
↑ 734,960
State Bank of India (Financial Services)
Equity, Since 28 Feb 21 | SBIN
8%₹113 Cr1,430,946
Bharat Petroleum Corp Ltd (Energy)
Equity, Since 30 Sep 18 | 500547
7%₹103 Cr2,775,528
Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 31 Aug 24 | 500312
6%₹88 Cr2,953,692
SBI Life Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 17 | SBILIFE
6%₹86 Cr465,309
Power Grid Corp Of India Ltd (Utilities)
Equity, Since 28 Feb 22 | 532898
5%₹67 Cr1,889,270
↓ -471,146
Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | HAL
4%₹63 Cr143,028
↓ -39,964
Indian Railway Catering And Tourism Corp Ltd (Industrials)
Equity, Since 30 Apr 24 | IRCTC
4%₹60 Cr650,971
National Aluminium Co Ltd (Basic Materials)
Equity, Since 31 Aug 24 | 532234
4%₹55 Cr2,604,332
↑ 412,585

5. IDFC Infrastructure Fund

The investment objective of the scheme is to seek to generate long-term capital growth through an active diversified portfolio of predominantly equity and equity related instruments of companies that are participating in and benefiting from growth in Indian infrastructure and infrastructural related activities. However, there can be no assurance that the investment objective of the scheme will be realized.

IDFC Infrastructure Fund is a Equity - Sectoral fund was launched on 8 Mar 11. It is a fund with High risk and has given a CAGR/Annualized return of 13% since its launch.  Ranked 1 in Sectoral category.  Return for 2023 was 50.3% , 2022 was 1.7% and 2021 was 64.8% .

Below is the key information for IDFC Infrastructure Fund

IDFC Infrastructure Fund
Growth
Launch Date 8 Mar 11
NAV (06 Nov 24) ₹53.451 ↑ 1.22   (2.34 %)
Net Assets (Cr) ₹1,906 on 30 Sep 24
Category Equity - Sectoral
AMC IDFC Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.33
Sharpe Ratio 3.17
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Oct 19₹10,000
31 Oct 20₹8,539
31 Oct 21₹17,121
31 Oct 22₹17,400
31 Oct 23₹22,341
31 Oct 24₹36,843

IDFC Infrastructure Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹642,208.
Net Profit of ₹342,208
Invest Now

Returns for IDFC Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Nov 24

DurationReturns
1 Month -2%
3 Month -1.5%
6 Month 15.4%
1 Year 64.6%
3 Year 28.7%
5 Year 30.7%
10 Year
15 Year
Since launch 13%
Historical performance (Yearly) on absolute basis
YearReturns
2023 50.3%
2022 1.7%
2021 64.8%
2020 6.3%
2019 -5.3%
2018 -25.9%
2017 58.7%
2016 10.7%
2015 -0.2%
2014 43.2%
Fund Manager information for IDFC Infrastructure Fund
NameSinceTenure
Vishal Biraia24 Jan 240.69 Yr.
Ritika Behera7 Oct 230.99 Yr.
Gaurav Satra7 Jun 240.32 Yr.

Data below for IDFC Infrastructure Fund as on 30 Sep 24

Equity Sector Allocation
SectorValue
Industrials52.47%
Utility10.82%
Basic Materials10.6%
Communication Services6.43%
Energy3.99%
Consumer Cyclical3.87%
Financial Services3.58%
Technology2.29%
Health Care1.41%
Asset Allocation
Asset ClassValue
Cash4.54%
Equity95.46%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Dec 17 | 500241
4%₹80 Cr443,385
↑ 8,933
GPT Infraprojects Ltd (Industrials)
Equity, Since 30 Nov 17 | 533761
4%₹77 Cr4,384,900
↑ 1,145,000
PTC India Financial Services Ltd (Financial Services)
Equity, Since 31 Dec 23 | PFS
4%₹70 Cr12,200,218
↑ 1,724,925
Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 24 | 500325
3%₹68 Cr226,353
↑ 65,263
Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 Dec 23 | 532921
3%₹64 Cr434,979
Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 12 | 500510
3%₹64 Cr171,447
Ahluwalia Contracts (India) Ltd (Industrials)
Equity, Since 30 Apr 15 | AHLUCONT
3%₹60 Cr470,125
↑ 38,887
Indus Towers Ltd Ordinary Shares (Communication Services)
Equity, Since 31 Dec 23 | 534816
3%₹57 Cr1,252,522
↓ -58,513
H.G. Infra Engineering Ltd Ordinary Shares (Industrials)
Equity, Since 28 Feb 18 | HGINFRA
3%₹50 Cr321,984
↑ 190,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 19 | 532454
2%₹46 Cr289,163

Conclusion

The final choice to invest via the lump sum route or SIPs would be a culmination of many factors, however, the investor needs to take into account all these and his/her risk appetite to choose the best route. Choose well, choose wisely, stay invested!

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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