The table below shows the Best Mutual Fund For Lumpsum Investment based on AUM, NAV, and Minimum SIP.
| Name | AUM Cr | NAV | Minimum SIP Rs. |
| HDFC Mid-Cap Opportunities Fund | 75,296.23 | 207.53 | 100.00 |
| Nippon India Small Cap Fund | 60,999.55 | 198.58 | 100.00 |
| SBI Contra Fund | 39,432.50 | 428.67 | 500.00 |
| Nippon India Multi Cap Fund | 38,115.28 | 325.42 | 1,500.00 |
| SBI Long Term Equity Fund | 28,000.03 | 478.40 | 500.00 |
| Quant Small Cap Fund | 25,534.99 | 296.28 | 1,000.00 |
| Axis Small Cap Fund | 23,771.71 | 123.15 | 0.00 |
| Motilal Oswal Midcap Fund | 15,940.06 | 120.33 | 1,500.00 |
| SBI Magnum Gilt Fund | 9,500.76 | 66.28 | 1,000.00 |
| Quant Mid Cap Fund | 9,367.38 | 268.03 | 0.00 |
Introduction To Top Mutual Funds for Lumpsum Investment
HDFC Mid-Cap Opportunities Fund
HDFC Mid Cap Opportunities Direct Plan-Growth is an Equity Mutual Fund Scheme launched by HDFC Mutual Fund. This scheme was made available to investors on 10 Dec 1999.
HDFC Mid-Cap Opportunities Fund is a Mid Cap Fund with an AUM of ₹75,296.23 Crores, a 5-year CAGR of 31.33%, and an expense ratio of 0.72%, with an exit load of 1%. The fund’s asset allocation consists of 93.1% in equity and 6.9% in cash, with no exposure to debt, focusing primarily on equity growth while maintaining a cash reserve for liquidity.
Nippon India Small Cap Fund
Nippon India Small Cap Fund Direct Growth is an Equity Mutual Fund Scheme launched by Nippon India Mutual Fund. This scheme was made available to investors on 30 Jun 1995.
Nippon India Small Cap Fund is a Small Cap Fund with an AUM of ₹60,999.55 Crores, a 5-year CAGR of 38.47%, and an expense ratio of 0.65%, with an exit load of 1%. This fund allocates 96% to equity and 4% to cash, with no debt exposure, offering a strong equity focus with a small cash reserve for liquidity.
SBI Contra Fund
SBI Contra Direct Plan-Growth is an Equity Mutual Fund Scheme launched by SBI Mutual Fund. This scheme was made available to investors on 29 Jun 1987.
SBI Contra Fund is a Contra Fund with an AUM of ₹39,432.50 Crores, a 5-year CAGR of 33.24%, and an expense ratio of 0.57%, with an exit load of 1%. The fund’s asset allocation includes 89.9% in equity, 5.8% in debt, and 3.5% in cash, balancing growth, stability, and liquidity.
Nippon India Multi Cap Fund
Nippon India Multi Cap Fund Direct Growth is an Equity Mutual Fund Scheme launched by Nippon India Mutual Fund. This scheme was made available to investors on 30 Jun 1995.
Nippon India Multi Cap Fund is a Multi Cap Fund with an AUM of ₹38,115.28 Crores, a 5-year CAGR of 27.82%, and an expense ratio of 0.74%, with an exit load of 1%. The fund invests 98.1% in equity and 1.9% in cash, focusing heavily on equity growth while maintaining a minimal cash reserve for flexibility.
SBI Long Term Equity Fund
SBI Long Term Equity Fund Direct Plan Growth is an Equity Mutual Fund Scheme launched by SBI Mutual Fund. This scheme was made available to investors on 29 Jun 1987.
SBI Long Term Equity Fund is an Equity Linked Savings Scheme (ELSS) with an AUM of ₹28,000.03 Crores, a 5-year CAGR of 28.09%, and an expense ratio of 0.93%, with no exit load. The fund allocates 91.1% to equity and 8.9% to cash, with no debt exposure, prioritizing equity growth while keeping a significant cash buffer for liquidity.
Quant Small Cap Fund
Quant Small Cap Fund Direct Plan-Growth is an Equity Mutual Fund Scheme launched by Quant Mutual Fund. This scheme was made available to investors on 15 Apr 1996.
Quant Small Cap Fund is a Small Cap Fund with an AUM of ₹25,534.99 Crores, a 5-year CAGR of 50.16%, and an expense ratio of 0.64%, with an exit load of 1%. The fund allocates 86.9% to equity, 0.9% to debt, and 12.1% to cash, focusing primarily on equity investments with a small debt component and a significant cash reserve for liquidity.
Axis Small Cap Fund
Axis Small Cap Fund Direct-Growth is an Equity Mutual Fund Scheme launched by Axis Mutual Fund. This scheme was made available to investors on 04 Sep 2009.
Axis Small Cap Fund is a Small Cap Fund with an AUM of ₹23,771.71 Crores, a 5-year CAGR of 30.89%, and an expense ratio of 0.54%, with an exit load of 1%. This fund allocates 89.3% to equity, 10.5% to debt, and 0.1% to cash, offering a balanced portfolio with a focus on equity and moderate debt exposure.
Motilal Oswal Midcap Fund
Motilal Oswal Midcap Fund Direct Growth is an Equity Mutual Fund Scheme launched by Motilal Oswal Mutual Fund. This scheme was made available to investors on 29 Dec 2009.
Motilal Oswal Midcap Fund is a Mid Cap Fund with an AUM of ₹15,940.06 Crores, a 5-year CAGR of 35.13%, and an expense ratio of 0.60%, with an exit load of 1%. The fund’s asset allocation includes 81% in equity, 15.1% in debt, and 3.9% in cash, providing a mix of growth, stability, and liquidity.
SBI Magnum Gilt Fund
SBI Magnum Gilt Fund Direct Growth is a Debt Mutual Fund Scheme launched by SBI Mutual Fund. This scheme was made available to investors on 29 Jun 1987.
SBI Magnum Gilt Fund is a Gilt – Short & Mid Term Fund with an AUM of ₹9,500.76 Crores, a 5-year CAGR of 7.68%, and an expense ratio of 0.46%, with no exit load. The fund’s allocation consists of 94.6% in debt and 5.4% in cash, with no equity exposure, focusing primarily on fixed-income investments with a small liquidity reserve.
Quant Mid Cap Fund
Quant Mid Cap Fund Direct-Growth is an Equity Mutual Fund Scheme launched by Quant Mutual Fund. This scheme was made available to investors on 15 Apr 1996.
Quant Mid Cap Fund is a Mid Cap Fund with an AUM of ₹9,367.38 Crores, a 5-year CAGR of 39.07%, and an expense ratio of 0.58%, with an exit load of 0.5%. This fund invests 89.8% in equity, 2.6% in debt, and 7.6% in cash, focusing on equity growth with a small debt allocation and a moderate cash reserve for liquidity.
What is Lumpsum Investment?
A lumpsum investment involves investing a large amount of money at once into a mutual fund, stock, or other financial instrument. This method contrasts with systematic investment plans (SIPs) that involve smaller, regular investments over time.
Lumpsum investments are ideal for investors with a significant amount of capital who seek to grow their wealth over a set period. The returns depend on market conditions and the performance of the chosen investment instrument.
Features Of Best Mutual Funds For Lumpsum Investment
The main features of the best mutual funds for lumpsum investment include high growth potential, professional management, diversified portfolios, and liquidity. These features ensure a balanced approach to maximizing returns while managing risk.
- High Growth Potential: The best funds often provide substantial long-term growth through equity investments, ideal for lumpsum investments that capitalize on market trends.
- Professional Management: Mutual funds are managed by experienced professionals who make informed decisions to optimize portfolio performance based on market analysis.
- Diversified Portfolios: These funds invest across various sectors and assets, minimizing risk while offering exposure to different opportunities for growth.
- Liquidity: Investors can redeem their investments as needed, allowing for flexibility while maintaining access to their funds during emergencies.
Top Mutual Funds For Lumpsum Investment Based on Expense Ratio
The table below shows the Top Mutual Funds For Lumpsum Investment Based on Expense Ratio and Minimum SIP.
| Name | Expense Ratio % | Minimum SIP Rs. |
| Tata NIFTY 50 Index Fund | 0.20 | 150.00 |
| Tata Small Cap Fund | 0.29 | 1,500.00 |
| Nippon India Nivesh Lakshya Fund | 0.30 | 5,000.00 |
| Bandhan Small Cap Fund | 0.35 | 100.00 |
| JM Flexicap Fund | 0.41 | 250.00 |
| SBI Magnum Gilt Fund | 0.46 | 1,000.00 |
| Axis Small Cap Fund | 0.54 | 100.00 |
| SBI Contra Fund | 0.57 | 500.00 |
| Quant Mid Cap Fund | 0.58 | 100.00 |
| Motilal Oswal Midcap Fund | 0.60 | 1,500.00 |
Lumpsum Investment In Mutual Fund Based on 3Y CAGR
The table below shows Lumpsum Investment In Mutual Fund Based on 3Y CAGR and Minimum SIP.
| Name | CAGR 3Y % | Minimum SIP Rs. |
| Motilal Oswal Midcap Fund | 37.14 | 1,500.00 |
| Nippon India Small Cap Fund | 30.35 | 100.00 |
| Quant Infrastructure Fund | 30.33 | 1,000.00 |
| Quant Mid Cap Fund | 30.22 | 100.00 |
| Bandhan Small Cap Fund | 29.50 | 100.00 |
| Quant Small Cap Fund | 29.48 | 1,000.00 |
| Tata Small Cap Fund | 29.15 | 1,500.00 |
| JM Flexicap Fund | 28.16 | 250.00 |
| HDFC Mid-Cap Opportunities Fund | 27.85 | 100.00 |
| Nippon India Multi Cap Fund | 27.61 | 1,500.00 |
Top Performing Mutual Funds For Lumpsum Investment Based on Exit Load
The table below shows Top Performing Mutual Funds For Lumpsum Investment Based on Exit Load and AMC.
| Name | AMC | Exit Load % |
| SBI Long Term Equity Fund | SBI Funds Management Limited | 0.00 |
| SBI Magnum Gilt Fund | SBI Funds Management Limited | 0.00 |
| Tata NIFTY 50 Index Fund | Tata Asset Management Private Limited | 0.25 |
| Quant Infrastructure Fund | Quant Money Managers Limited | 0.50 |
| Quant Mid Cap Fund | Quant Money Managers Limited | 0.50 |
| Motilal Oswal Midcap Fund | Motilal Oswal Asset Management Company Limited | 1.00 |
| Nippon India Small Cap Fund | Nippon Life India Asset Management Limited | 1.00 |
| Bandhan Small Cap Fund | Bandhan AMC Limited | 1.00 |
| Quant Small Cap Fund | Quant Money Managers Limited | 1.00 |
| Tata Small Cap Fund | Tata Asset Management Private Limited | 1.00 |
High Dividend Yield Mutual Funds for Lumpsum Investment In India
The table below shows High Dividend Yield Mutual Funds for Lumpsum Investment In India based on CAGR 1Y.
| Name | Absolute Returns – 1Y % |
| Motilal Oswal Midcap Fund | 72.56 |
| Bandhan Small Cap Fund | 71.54 |
| Quant Infrastructure Fund | 63.43 |
| JM Flexicap Fund | 59.48 |
| SBI Long Term Equity Fund | 54.24 |
| Quant Small Cap Fund | 52.22 |
| Quant Multi Asset Fund | 50.89 |
| Tata Small Cap Fund | 49.87 |
| Quant Mid Cap Fund | 49.23 |
| Nippon India Small Cap Fund | 47.29 |
Historical Performance of Mutual Funds for Lumpsum Investment
The table below shows the Historical Performance of Mutual Funds for Lumpsum Investment based on CAGR 5Y.
| Name | CAGR 5Y % |
| Quant Small Cap Fund | 50.16 |
| Quant Infrastructure Fund | 39.92 |
| Quant Mid Cap Fund | 39.07 |
| Nippon India Small Cap Fund | 38.47 |
| Tata Small Cap Fund | 36.49 |
| Motilal Oswal Midcap Fund | 35.13 |
| SBI Contra Fund | 33.24 |
| HDFC Mid-Cap Opportunities Fund | 31.33 |
| Axis Small Cap Fund | 30.89 |
| Quant Multi Asset Fund | 30.72 |
Factors To Consider When Investing In Mutual Funds for Lumpsum Investment
The main factors to consider when investing in Mutual Funds for Lumpsum Investment
include market timing, risk appetite, fund performance, and investment horizon. Considering these factors ensures informed decisions when choosing mutual funds for a lumpsum investment.
- Market Timing: Invest when the market is favorable, as lumpsum investments are sensitive to market fluctuations. A well-timed investment can enhance returns.
- Risk Appetite: Assess your risk tolerance, as equity-focused funds offer higher returns but come with increased risk, while debt funds provide more stability.
- Fund Performance: Analyze the historical performance of the fund, focusing on its returns over different market cycles to ensure consistent results.
- Investment Horizon: Longer investment periods usually yield better results in lumpsum investments, allowing time to ride out market volatility and maximize growth potential.
How To Invest In Mutual Funds for Lumpsum Investment?
To invest in mutual funds for a lumpsum investment, choose a mutual fund based on your financial goals, complete the KYC process, and deposit your lumpsum amount through Alice Blue as a broker or directly via the mutual fund’s website.
Impact of Government Policies on Mutual Funds for Lumpsum Investment
Government policies on taxation, capital gains, and sector-specific regulations can influence mutual fund performance. Favorable policies, such as lower taxes or incentives for specific sectors, can improve fund returns, making lumpsum investments more lucrative.
Monetary policies, such as changes in interest rates or liquidity measures, also affect market conditions and, by extension, mutual fund performance. Interest rate hikes may reduce equity fund returns, while lower rates might boost long-term growth potential.
How Mutual Funds for Lumpsum Investment Perform in Economic Downturns?
During economic downturns, lumpsum investments in equity funds may experience significant volatility, leading to temporary declines in portfolio value. However, long-term investors often recover as markets stabilize over time.
Debt-based mutual funds, on the other hand, tend to perform better during downturns, offering more stable returns. Diversifying your lumpsum investment across asset classes can help mitigate the effects of economic slowdowns.
Advantages Of Investing In Mutual Funds for Lumpsum Investment?
The main advantages of investing in mutual funds for lumpsum investment include the potential for higher returns, professional fund management, diversification, and flexibility. These features provide a balanced approach for investors seeking growth with relatively lower involvement in day-to-day investment decisions.
- Higher Returns: Lumpsum investments have the potential for higher returns, especially when invested in equity mutual funds during favorable market conditions.
- Professional Management: Your investments are managed by experts who optimize portfolio performance, ensuring your capital is allocated effectively based on market trends.
- Diversification: Mutual funds spread your investment across various sectors, minimizing risk while maximizing the opportunity for returns.
- Flexibility: Mutual funds allow you to access your money through partial or full redemptions, providing liquidity while maintaining long-term growth.
Risks Of Investing In Mutual Funds for Lumpsum Investment?
The main risks of investing in mutual funds for Lumpsum Investment include market volatility, interest rate fluctuations, liquidity risk, and timing risk. These risks may affect the performance of your lumpsum investment, especially if market conditions are unfavorable during your investment period.
- Market Volatility: Lumpsum investments are exposed to market fluctuations, and a downturn can significantly impact returns, especially in the short term.
- Interest Rate Fluctuations: Changes in interest rates can affect debt mutual funds, as rising rates may decrease the value of bonds held by the fund.
- Liquidity Risk: Some mutual funds, especially in illiquid sectors, may not allow immediate access to funds, limiting flexibility during market downturns.
- Timing Risk: Poor timing when investing a large sum during market highs can result in lower returns or losses, especially in equity mutual funds.
Mutual Fund GDP Contribution
Mutual funds contribute to GDP growth by mobilizing savings and directing them into productive sectors of the economy. As mutual funds invest in a range of industries, they help fuel economic expansion and development through increased capital flows.
By channeling retail and institutional investments into capital markets, mutual funds support businesses in raising funds for expansion. This enhances overall economic output and increases investor participation in the country’s financial ecosystem.
Who Should Invest in Mutual Funds for Lumpsum Investment?
Investors with significant capital and a longer investment horizon should consider lumpsum investments in mutual funds. It is suitable for those looking to grow wealth over time, benefiting from market appreciation.
Additionally, investors seeking professional management of their funds without the need for frequent intervention should invest in mutual funds. Lumpsum investments provide an opportunity to deploy capital strategically in market cycles.
Best Mutual Funds for Lumpsum Investment – FAQs
A lumpsum investment is when an investor puts a significant amount of money into a mutual fund or financial instrument at one time, allowing it to grow over a specified period based on market performance.
Top Mutual Funds For Lumpsum Investment # 1: HDFC Mid-Cap Opportunities Fund
Top Mutual Funds For Lumpsum Investment # 2: Nippon India Small Cap Fund
Top Mutual Funds For Lumpsum Investment # 3: SBI Contra Fund
Top Mutual Funds For Lumpsum Investment # 4: Nippon India Multi Cap Fund
Top Mutual Funds For Lumpsum Investment # 5: SBI Long Term Equity Fund
Top Mutual Funds For Lumpsum Investment Based on AUM.
The Best Mutual Funds for Lumpsum Investment in India based on expense ratio include Tata NIFTY 50 Index Fund, Tata Small Cap Fund, Nippon India Nivesh Lakshya Fund, Bandhan Small Cap Fund, and JM Flexicap Fund, offering competitive costs and strong growth potential.
It is generally safe to invest in mutual funds for a lumpsum if aligned with your financial goals and risk tolerance. Equity funds offer higher returns but carry risk, while debt funds provide more stability.
To invest in mutual funds for a lumpsum, research funds, complete KYC, and transfer the amount directly through a broker, Alice Blue platform or the mutual fund’s website. Choose funds that align with your risk profile and financial goals.
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Disclaimer: The above article is written for educational purposes, and the companies’ data mentioned in the article may change with respect to time The securities quoted are exemplary and are not recommendatory.
