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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?
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.
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!)
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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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.
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.
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.
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.
Hence, in case the market is expected to go one way up, the lump sum is always the better option.
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.
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 Below is the key information for LIC MF Infrastructure Fund Returns up to 1 year are on (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 Below is the key information for Motilal Oswal Midcap 30 Fund Returns up to 1 year are on 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 Below is the key information for SBI PSU Fund Returns up to 1 year are on 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 Below is the key information for Invesco India PSU Equity Fund Returns up to 1 year are on 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 Below is the key information for IDFC Infrastructure Fund Returns up to 1 year are on 1. LIC MF Infrastructure Fund
CAGR/Annualized
return of 10.3% since its launch. Return for 2023 was 44.4% , 2022 was 7.9% and 2021 was 46.6% . 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 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.
Date Value 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 Returns for LIC MF Infrastructure Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 6 Nov 24 Duration Returns 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
Year Returns 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
Name Since Tenure Yogesh Patil 18 Sep 20 4.04 Yr. Mahesh Bendre 1 Jul 24 0.25 Yr. Data below for LIC MF Infrastructure Fund as on 30 Sep 24
Equity Sector Allocation
Sector Value Industrials 53.51% Basic Materials 11.48% Consumer Cyclical 8.01% Utility 7.69% Financial Services 5.34% Technology 3.13% Real Estate 2.55% Communication Services 2.31% Health Care 2.08% Energy 1.34% Asset Allocation
Asset Class Value Cash 2.56% Equity 97.44% Top Securities Holdings / Portfolio
Name Holding Value Quantity Garware Hi-Tech Films Ltd (Basic Materials)
Equity, Since 31 Aug 23 | 5006554% ₹31 Cr 79,367
↑ 942 Shakti Pumps (India) Ltd (Industrials)
Equity, Since 31 Mar 24 | SHAKTIPUMP4% ₹28 Cr 64,490
↑ 14,294 Schneider Electric Infrastructure Ltd (Industrials)
Equity, Since 31 Dec 23 | SCHNEIDER4% ₹26 Cr 324,490 Cummins India Ltd (Industrials)
Equity, Since 31 May 21 | 5004803% ₹25 Cr 65,432 GE T&D India Ltd (Industrials)
Equity, Since 31 Jan 24 | 5222753% ₹21 Cr 127,403
↑ 32,224 Bharat Bijlee Ltd (Industrials)
Equity, Since 31 Jul 22 | BBL3% ₹21 Cr 44,119 ISGEC Heavy Engineering Ltd (Industrials)
Equity, Since 31 Jul 24 | 5330333% ₹20 Cr 148,097
↑ 4,345 Tata Power Co Ltd (Utilities)
Equity, Since 29 Feb 24 | 5004003% ₹20 Cr 406,920
↑ 246,051 Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 31 May 24 | 5001032% ₹17 Cr 598,457
↑ 194,190 Hitachi Energy India Ltd Ordinary Shares (Technology)
Equity, Since 31 Jul 22 | POWERINDIA2% ₹17 Cr 11,454 2. Motilal Oswal Midcap 30 Fund
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% . 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.
Date Value 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 Returns for Motilal Oswal Midcap 30 Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 6 Nov 24 Duration Returns 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
Year Returns 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
Name Since Tenure Ajay Khandelwal 1 Oct 24 0 Yr. Niket Shah 1 Jul 20 4.25 Yr. Santosh Singh 1 Oct 24 0 Yr. Rakesh Shetty 22 Nov 22 1.86 Yr. Sunil Sawant 1 Jul 24 0.25 Yr. Data below for Motilal Oswal Midcap 30 Fund as on 30 Sep 24
Equity Sector Allocation
Sector Value Industrials 22.85% Technology 20.91% Consumer Cyclical 17.5% Financial Services 8.81% Health Care 4.47% Basic Materials 3.7% Real Estate 2.73% Asset Allocation
Asset Class Value Cash 19.02% Equity 80.98% Top Securities Holdings / Portfolio
Name Holding Value Quantity Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 29 Feb 24 | KALYANKJIL10% ₹1,855 Cr 25,400,000
↑ 400,000 Polycab India Ltd (Industrials)
Equity, Since 30 Sep 23 | POLYCAB10% ₹1,774 Cr 2,550,000
↑ 450,000 Jio Financial Services Ltd (Financial Services)
Equity, Since 31 Aug 23 | JIOFIN9% ₹1,640 Cr 46,773,159
↑ 13,873,159 Coforge Ltd (Technology)
Equity, Since 31 Mar 23 | COFORGE8% ₹1,579 Cr 2,250,000
↑ 650,000 Persistent Systems Ltd (Technology)
Equity, Since 31 Jan 23 | PERSISTENT8% ₹1,472 Cr 2,700,000
↓ -13,800 Tube Investments of India Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jul 20 | TIINDIA6% ₹1,070 Cr 2,467,811
↑ 217,811 Voltas Ltd (Industrials)
Equity, Since 31 Oct 17 | VOLTAS5% ₹923 Cr 5,000,000 Balkrishna Industries Ltd (Consumer Cyclical)
Equity, Since 28 Feb 23 | BALKRISIND4% ₹717 Cr 2,350,000
↑ 124,002 Zomato Ltd (Consumer Cyclical)
Equity, Since 30 Apr 23 | 5433204% ₹683 Cr 25,000,000
↓ -500,000 Max Healthcare Institute Ltd Ordinary Shares (Healthcare)
Equity, Since 31 Mar 24 | MAXHEALTH3% ₹540 Cr 5,481,171
↑ 981,171 3. SBI PSU Fund
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% . 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.
Date Value 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 Returns for SBI PSU Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 6 Nov 24 Duration Returns 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
Year Returns 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
Name Since Tenure Rohit Shimpi 1 Jun 24 0.33 Yr. Data below for SBI PSU Fund as on 30 Sep 24
Equity Sector Allocation
Sector Value Financial Services 34.91% Utility 25.75% Energy 18.46% Industrials 10.34% Basic Materials 7.08% Asset Allocation
Asset Class Value Cash 3.46% Equity 96.54% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank of India (Financial Services)
Equity, Since 31 Jul 10 | SBIN14% ₹652 Cr 8,277,500 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jul 10 | 5328989% ₹444 Cr 12,585,554
↓ -650,000 GAIL (India) Ltd (Utilities)
Equity, Since 31 May 24 | 5321559% ₹441 Cr 18,350,000 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 31 Aug 24 | 5005476% ₹303 Cr 8,200,000 Bharat Electronics Ltd (Industrials)
Equity, Since 30 Jun 24 | BEL6% ₹296 Cr 10,375,000
↑ 1,200,000 NTPC Ltd (Utilities)
Equity, Since 31 Jul 10 | 5325555% ₹241 Cr 5,443,244 NMDC Ltd (Basic Materials)
Equity, Since 31 Oct 23 | 5263715% ₹228 Cr 9,300,000 Bank of Baroda (Financial Services)
Equity, Since 31 Aug 24 | 5321344% ₹193 Cr 7,800,000 SBI Life Insurance Co Ltd (Financial Services)
Equity, Since 30 Jun 24 | SBILIFE4% ₹184 Cr 1,000,000 General Insurance Corp of India (Financial Services)
Equity, Since 31 May 24 | GICRE3% ₹142 Cr 3,600,000
↑ 600,000 4. Invesco India PSU Equity Fund
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% . 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.
Date Value 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 Returns for Invesco India PSU Equity Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 6 Nov 24 Duration Returns 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
Year Returns 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
Name Since Tenure Dhimant Kothari 19 May 20 4.37 Yr. Data below for Invesco India PSU Equity Fund as on 30 Sep 24
Equity Sector Allocation
Sector Value Industrials 29.62% Financial Services 25.54% Utility 22.44% Energy 18.01% Basic Materials 3.81% Asset Allocation
Asset Class Value Cash 0.57% Equity 99.43% Top Securities Holdings / Portfolio
Name Holding Value Quantity NTPC Ltd (Utilities)
Equity, Since 31 May 19 | 5325559% ₹131 Cr 2,949,113
↓ -445,929 Bharat Electronics Ltd (Industrials)
Equity, Since 31 Mar 17 | BEL9% ₹124 Cr 4,338,255
↑ 734,960 State Bank of India (Financial Services)
Equity, Since 28 Feb 21 | SBIN8% ₹113 Cr 1,430,946 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 30 Sep 18 | 5005477% ₹103 Cr 2,775,528 Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 31 Aug 24 | 5003126% ₹88 Cr 2,953,692 SBI Life Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 17 | SBILIFE6% ₹86 Cr 465,309 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 28 Feb 22 | 5328985% ₹67 Cr 1,889,270
↓ -471,146 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | HAL4% ₹63 Cr 143,028
↓ -39,964 Indian Railway Catering And Tourism Corp Ltd (Industrials)
Equity, Since 30 Apr 24 | IRCTC4% ₹60 Cr 650,971 National Aluminium Co Ltd (Basic Materials)
Equity, Since 31 Aug 24 | 5322344% ₹55 Cr 2,604,332
↑ 412,585 5. IDFC Infrastructure Fund
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% . 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.
Date Value 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 Returns for IDFC Infrastructure Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 6 Nov 24 Duration Returns 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
Year Returns 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
Name Since Tenure Vishal Biraia 24 Jan 24 0.69 Yr. Ritika Behera 7 Oct 23 0.99 Yr. Gaurav Satra 7 Jun 24 0.32 Yr. Data below for IDFC Infrastructure Fund as on 30 Sep 24
Equity Sector Allocation
Sector Value Industrials 52.47% Utility 10.82% Basic Materials 10.6% Communication Services 6.43% Energy 3.99% Consumer Cyclical 3.87% Financial Services 3.58% Technology 2.29% Health Care 1.41% Asset Allocation
Asset Class Value Cash 4.54% Equity 95.46% Top Securities Holdings / Portfolio
Name Holding Value Quantity Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Dec 17 | 5002414% ₹80 Cr 443,385
↑ 8,933 GPT Infraprojects Ltd (Industrials)
Equity, Since 30 Nov 17 | 5337614% ₹77 Cr 4,384,900
↑ 1,145,000 PTC India Financial Services Ltd (Financial Services)
Equity, Since 31 Dec 23 | PFS4% ₹70 Cr 12,200,218
↑ 1,724,925 Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 24 | 5003253% ₹68 Cr 226,353
↑ 65,263 Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 Dec 23 | 5329213% ₹64 Cr 434,979 Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 12 | 5005103% ₹64 Cr 171,447 Ahluwalia Contracts (India) Ltd (Industrials)
Equity, Since 30 Apr 15 | AHLUCONT3% ₹60 Cr 470,125
↑ 38,887 Indus Towers Ltd Ordinary Shares (Communication Services)
Equity, Since 31 Dec 23 | 5348163% ₹57 Cr 1,252,522
↓ -58,513 H.G. Infra Engineering Ltd Ordinary Shares (Industrials)
Equity, Since 28 Feb 18 | HGINFRA3% ₹50 Cr 321,984
↑ 190,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 19 | 5324542% ₹46 Cr 289,163
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!