Best Mutual Funds for Lump Sum Investment

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.

Top 10 Mutual Funds for Lump Sum investment in May 2025

Below are the best mutual funds for lump sum investment in india:

1. BHARAT Bond FOF - April 2031 Direct (G)

BHARAT Bond FOF - April 2031 Direct (G) is a Debt fund that has delivered a 1 Year return of 10.9% and a 3 Years return of 8.0%. The fund has an expense ratio of 0.1% and an AUM of ₹4773 crores as of 2025-05-01. 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.

2. HDFC Floating Rate Debt Fund Direct (G)

HDFC Floating Rate Debt Fund Direct (G) is a Debt fund that has delivered a 1 Year return of 9.1%, a 3 Years return of 7.8% and a 5 Years return of 7.3%. The fund has an expense ratio of 0.3% and an AUM of ₹14724 crores as of 2025-05-01. 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.

3. ICICI Prudential Liquid Fund Direct (G)

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 6.9% and a 5 Years return of 5.5%. The fund has an expense ratio of 0.2% and an AUM of ₹42293 crores as of 2025-05-01.The minimum SIP investment is ₹1000 and the minimum lump sum investment is ₹1000. The fund allocates 0118.62% to debt and -18.62% to other assets.

4. Kotak Nifty SDL Apr 2027 Top 12 Equal Weight Index Fund Direct (G)

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 9.3% and a 3 Years return of 7.3%. The fund has an expense ratio of 0.2% and an AUM of ₹7714 crores as of 2025-05-01. 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.

5. BHARAT Bond ETF FOF - April 2032 Direct (G)

BHARAT Bond ETF FOF - April 2032 Direct (G) is a Debt fund that has delivered a 1 Year return of 11.7% and a 3 Years return of 8.2%. The fund has an expense ratio of 0.1% and an AUM of ₹4484 crores as of 2025-05-01. 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.

6. Aditya Birla Sun Life Savings Fund Direct (G)

Aditya Birla Sun Life Savings Fund Direct (G) is a Debt fund that has delivered a 1 Year return of 8.2%, a 3 Years return of 7.3% and a 5 Years return of 6.5%. The fund has an expense ratio of 0.3% and an AUM of ₹13294 crores as of 2025-05-01.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.

7. Aditya Birla Sun Life Money Manager Fund Direct (G)

Aditya Birla Sun Life Money Manager Fund Direct (G) is a Debt fund that has delivered a 1 Year return of 8.1%, a 3 Years return of 7.3% and a 5 Years return of 6.3%. The fund has an expense ratio of 0.2% and an AUM of ₹25581 crores as of 2025-05-01.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.

8. Aditya Birla Sun Life Nifty SDL Plus PSU Bond Sep 2026 60:40 Index Fund Direct (G)

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 8.6% and a 3 Years return of 6.9%. The fund has an expense ratio of 0.2% and an AUM of ₹9470 crores as of 2025-05-01. 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.

9. BHARAT Bond FOF - April 2030 Direct (G)

BHARAT Bond FOF - April 2030 Direct (G) is a Debt fund that has delivered a 1 Year return of 11.1%, a 3 Years return of 8.1% and a 5 Years return of 7.7%. The fund has an expense ratio of 0.1% and an AUM of ₹7015 crores as of 2025-05-01. It was Launched on 2019-12-30. 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.

10. Bandhan CRISIL IBX Gilt April 2028 Index Fund Direct (G)

Bandhan CRISIL IBX Gilt April 2028 Index Fund Direct (G) is a Debt fund that has delivered a 1 Year return of 9.9% and a 3 Years return of 7.6%. The fund has an expense ratio of 0.2% and an AUM of ₹4697 crores as of 2025-05-01. 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.