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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.

Best Mutual Funds for Lump Sum Investment in March 2025

Fund Name3 Years Return5 Years Return
BHARAT Bond FOF - April 2031 Direct (G)
BHARAT Bond FOF - April 2031 Direct (G)
6.5%NA
BHARAT Bond ETF FOF - April 2032 Direct (G)
BHARAT Bond ETF FOF - April 2032 Direct (G)
6.6%NA
HDFC Floating Rate Debt Fund Direct (G)
HDFC Floating Rate Debt Fund Direct (G)
7.3%7.0%
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)
6.1%NA
ICICI Prudential Liquid Fund Direct (G)
ICICI Prudential Liquid Fund Direct (G)
6.7%5.5%
BHARAT Bond FOF - April 2030 Direct (G)
BHARAT Bond FOF - April 2030 Direct (G)
6.6%7.1%
Aditya Birla Sun Life Savings Fund Direct (G)
Aditya Birla Sun Life Savings Fund Direct (G)
6.9%6.3%
Aditya Birla Sun Life Money Manager Fund Direct (G)
Aditya Birla Sun Life Money Manager Fund Direct (G)
7.0%6.2%
Bandhan CRISIL IBX Gilt April 2028 Index Fund Direct (G)
Bandhan CRISIL IBX Gilt April 2028 Index Fund Direct (G)
6.4%NA
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)
5.9%NA
Nippon India Nivesh Lakshya Fund Direct (G)
Nippon India Nivesh Lakshya Fund Direct (G)
7.2%6.5%
SBI Magnum Constant Maturity Fund Direct (G)
SBI Magnum Constant Maturity Fund Direct (G)
6.8%6.3%
ICICI Prudential Floating Interest Fund Direct (G)
ICICI Prudential Floating Interest Fund Direct (G)
7.8%7.3%
ICICI Prudential Constant Maturity Gilt Fund Direct (G)
ICICI Prudential Constant Maturity Gilt Fund Direct (G)
6.7%6.6%
Aditya Birla Sun Life Floating Rate Fund Direct (G)
Aditya Birla Sun Life Floating Rate Fund Direct (G)
7.1%6.7%
HDFC Money Market Fund Direct (G)
HDFC Money Market Fund Direct (G)
6.9%6.2%
HSBC Medium Duration Fund Direct (G)
HSBC Medium Duration Fund Direct (G)
6.9%6.9%
ICICI Prudential Gilt Fund Direct (G)
ICICI Prudential Gilt Fund Direct (G)
7.6%7.4%
ICICI Prudential Savings Fund Direct (G)
ICICI Prudential Savings Fund Direct (G)
7.1%6.6%
Aditya Birla Sun Life Banking & PSU Debt Fund Direct (G)
Aditya Birla Sun Life Banking & PSU Debt Fund Direct (G)
6.6%6.7%

Note : *NA implies that Fund is relatively new. Not enough data available

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Top 10 Mutual Funds for Lump Sum investment in March 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 7.9% and a 3 Years return of 6.5%. The fund has an expense ratio of 0.1% and an AUM of ₹4675 crores as of 2025-03-04. It was Launched on 2020-07-23. The minimum SIP investment is ₹1000 and the minimum lump sum investment is ₹5000. The fund allocates 097.20% to debt and 2.79% to other assets.

2. 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 7.8% and a 3 Years return of 6.6%. The fund has an expense ratio of 0.1% and an AUM of ₹4598 crores as of 2025-03-04. It was Launched on 2021-12-15. The minimum SIP investment is ₹1000 and the minimum lump sum investment is ₹5000. The fund allocates 096.01% to debt and 3.99% to other assets.

3. 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 8.5%, a 3 Years return of 7.3% and a 5 Years return of 7.0%. The fund has an expense ratio of 0.3% and an AUM of ₹14929 crores as of 2025-03-04. It was Launched on 2013-01-01. The minimum SIP investment is ₹1000 and the minimum lump sum investment is ₹5000. The fund allocates 096.96% to debt and 3.04% 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 8.2% and a 3 Years return of 6.1%. The fund has an expense ratio of 0.2% and an AUM of ₹7902 crores as of 2025-03-04. It was Launched on 2022-02-11. The minimum SIP investment is ₹1000 and the minimum lump sum investment is ₹5000. The fund allocates 098.46% to debt and 1.54% to other assets.

5. 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 6.7% and a 5 Years return of 5.5%. The fund has an expense ratio of 0.2% and an AUM of ₹49653 crores as of 2025-03-04.The minimum SIP investment is ₹1000 and the minimum lump sum investment is ₹1000. The fund allocates 0100.37% to debt and -0.37% to other assets.

6. 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 8.0%, a 3 Years return of 6.6% and a 5 Years return of 7.1%. The fund has an expense ratio of 0.1% and an AUM of ₹6871 crores as of 2025-03-04. It was Launched on 2019-12-27. The minimum SIP investment is ₹1000 and the minimum lump sum investment is ₹5000. The fund allocates 096.21% to debt and 3.79% to other assets.

7. 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 7.9%, a 3 Years return of 6.9% and a 5 Years return of 6.3%. The fund has an expense ratio of 0.4% and an AUM of ₹16349 crores as of 2025-03-04.The minimum SIP investment is ₹1000 and the minimum lump sum investment is ₹5000. The fund allocates 098.49% to debt and 1.51% to other assets.

8. 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 7.8%, a 3 Years return of 7.0% and a 5 Years return of 6.2%. The fund has an expense ratio of 0.2% and an AUM of ₹22772 crores as of 2025-03-04.The minimum SIP investment is ₹1000 and the minimum lump sum investment is ₹5000. The fund allocates 0109.30% to debt and -9.30% to other assets.

9. 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 8.2% and a 3 Years return of 6.4%. The fund has an expense ratio of 0.2% and an AUM of ₹4704 crores as of 2025-03-04. It was Launched on 2021-03-23. The minimum SIP investment is ₹1000 and the minimum lump sum investment is ₹5000. The fund allocates 098.28% to debt and 1.72% to other assets.

10. 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 7.8% and a 3 Years return of 5.9%. The fund has an expense ratio of 0.2% and an AUM of ₹9654 crores as of 2025-03-04. It was Launched on 2021-09-24. The minimum SIP investment is ₹1000 and the minimum lump sum investment is ₹5000. The fund allocates 098.22% to debt and 1.78% to other assets.

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