Lump sum investment depends on your financial goals, risk tolerance, investment horizon, and overall portfolio strategy. Here is a list of top 20 mutual funds for lump sum investment that will suit your investment need.
Note : *NA implies that Fund is relatively new. Not enough data available
Invest in these funds with automated best practices like quarterly scans, updates & tax-optimised withdrawals
Below are the best mutual funds for lump sum investment in india:
BHARAT Bond FOF - April 2031 Direct (G) is a Debt fund that has delivered a 1 Year return of 8.3% and a 3 Years return of 6.9%. The fund has an expense ratio of 0.1% and an AUM of ₹4714 crores as of 2025-03-29. It was Launched on 2020-07-23. The minimum SIP investment is ₹1000 and the minimum lump sum investment is ₹5000. The fund allocates 095.73% to debt and 4.27% to other assets.
HDFC Floating Rate Debt Fund Direct (G) is a Debt fund that has delivered a 1 Year return of 8.6%, a 3 Years return of 7.4% and a 5 Years return of 7.1%. The fund has an expense ratio of 0.3% and an AUM of ₹15118 crores as of 2025-03-29. It was Launched on 2013-01-01. The minimum SIP investment is ₹1000 and the minimum lump sum investment is ₹5000. The fund allocates 096.51% to debt and 3.49% to other assets.
BHARAT Bond ETF FOF - April 2032 Direct (G) is a Debt fund that has delivered a 1 Year return of 8.5% and a 3 Years return of 6.9%. The fund has an expense ratio of 0.1% and an AUM of ₹4445 crores as of 2025-03-29. It was Launched on 2021-12-15. The minimum SIP investment is ₹1000 and the minimum lump sum investment is ₹5000. The fund allocates 096.83% to debt and 3.17% to other assets.
Kotak Nifty SDL Apr 2027 Top 12 Equal Weight Index Fund Direct (G) is a Debt fund that has delivered a 1 Year return of 8.4% and a 3 Years return of 6.4%. The fund has an expense ratio of 0.2% and an AUM of ₹7712 crores as of 2025-03-29. It was Launched on 2022-02-11. The minimum SIP investment is ₹1000 and the minimum lump sum investment is ₹5000. The fund allocates 097.70% to debt and 2.30% to other assets.
ICICI Prudential Liquid Fund Direct (G) is a Debt fund that has delivered a 1 Year return of 7.4%, a 3 Years return of 6.7% and a 5 Years return of 5.5%. The fund has an expense ratio of 0.2% and an AUM of ₹55112 crores as of 2025-03-29.The minimum SIP investment is ₹1000 and the minimum lump sum investment is ₹1000. The fund allocates 099.60% to debt and 0.40% to other assets.
Aditya Birla Sun Life Savings Fund Direct (G) is a Debt fund that has delivered a 1 Year return of 8.0%, a 3 Years return of 7.0% and a 5 Years return of 6.4%. The fund has an expense ratio of 0.3% and an AUM of ₹14988 crores as of 2025-03-29.The minimum SIP investment is ₹1000 and the minimum lump sum investment is ₹5000. The fund allocates 094.36% to debt and 5.64% to other assets.
Aditya Birla Sun Life Money Manager Fund Direct (G) is a Debt fund that has delivered a 1 Year return of 7.9%, a 3 Years return of 7.1% and a 5 Years return of 6.3%. The fund has an expense ratio of 0.2% and an AUM of ₹26752 crores as of 2025-03-29.The minimum SIP investment is ₹1000 and the minimum lump sum investment is ₹5000. The fund allocates 0101.56% to debt and -1.56% to other assets.
Bandhan CRISIL IBX Gilt April 2028 Index Fund Direct (G) is a Debt fund that has delivered a 1 Year return of 8.5% and a 3 Years return of 6.6%. The fund has an expense ratio of 0.2% and an AUM of ₹4702 crores as of 2025-03-29. It was Launched on 2021-03-23. The minimum SIP investment is ₹1000 and the minimum lump sum investment is ₹5000. The fund allocates 096.63% to debt and 3.37% to other assets.
BHARAT Bond FOF - April 2030 Direct (G) is a Debt fund that has delivered a 1 Year return of 8.5%, a 3 Years return of 7.0% and a 5 Years return of 7.1%. The fund has an expense ratio of 0.1% and an AUM of ₹6974 crores as of 2025-03-29. It was Launched on 2019-12-27. The minimum SIP investment is ₹1000 and the minimum lump sum investment is ₹5000. The fund allocates 096.99% to debt and 3.01% to other assets.
Aditya Birla Sun Life Nifty SDL Plus PSU Bond Sep 2026 60:40 Index Fund Direct (G) is a Debt fund that has delivered a 1 Year return of 8.0% and a 3 Years return of 6.1%. The fund has an expense ratio of 0.2% and an AUM of ₹9554 crores as of 2025-03-29. It was Launched on 2021-09-24. The minimum SIP investment is ₹1000 and the minimum lump sum investment is ₹5000. The fund allocates 097.31% to debt and 2.69% to other assets.
