{"id":28754,"date":"2026-07-06T07:35:49","date_gmt":"2026-07-06T07:35:49","guid":{"rendered":"https:\/\/wp-api.pocketful.in\/blog\/?post_type=mutual-funds&#038;p=28754"},"modified":"2026-07-06T07:35:52","modified_gmt":"2026-07-06T07:35:52","slug":"best-mutual-funds-for-lump-sum-investment","status":"publish","type":"mutual-funds","link":"https:\/\/wp-api.pocketful.in\/blog\/mutual-funds\/best-mutual-funds-for-lump-sum-investment\/","title":{"rendered":"Best Mutual Funds for Lump Sum Investment in 2026"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">You just received your annual bonus. Or maybe you finally sold that plot your father had been holding since 2005. Either way, you have a decent chunk of money, and you are thinking, \u201cShould I just put this in a fixed deposit, or is there any other way to get more returns than FD\u201d?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let me tell you, that lump sum investing in mutual funds is exactly that smarter way, if you do it right.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Honestly, no one rings a bell at the bottom, so the best strategy is to pick quality funds and stay invested long enough for compounding to do its thing.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/wp-api.pocketful.in\/blog\/mutual-funds\/best-mutual-funds-for-lump-sum-investment\/#What_is_a_lump-sum_investment\" title=\"What is a lump-sum investment?\">What is a lump-sum investment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/wp-api.pocketful.in\/blog\/mutual-funds\/best-mutual-funds-for-lump-sum-investment\/#What_to_Look_for_in_a_Lump_Sum_Fund\" title=\"What to Look for in a Lump Sum Fund\">What to Look for in a Lump Sum Fund<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/wp-api.pocketful.in\/blog\/mutual-funds\/best-mutual-funds-for-lump-sum-investment\/#List_of_Best_Mutual_Funds_for_Lump-sum_Investments\" title=\"List of Best Mutual Funds for Lump-sum Investments\">List of Best Mutual Funds for Lump-sum Investments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/wp-api.pocketful.in\/blog\/mutual-funds\/best-mutual-funds-for-lump-sum-investment\/#Overview_of_Best_Mutual_Funds_for_Lump_sum_Investments\" title=\"Overview of Best Mutual Funds for Lump sum Investments\">Overview of Best Mutual Funds for Lump sum Investments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/wp-api.pocketful.in\/blog\/mutual-funds\/best-mutual-funds-for-lump-sum-investment\/#How_to_Invest_in_Lump_sum_through_Pocketful_App\" title=\"How to Invest in Lump sum through Pocketful App\">How to Invest in Lump sum through Pocketful App<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/wp-api.pocketful.in\/blog\/mutual-funds\/best-mutual-funds-for-lump-sum-investment\/#Conclusion\" title=\"Conclusion&nbsp;\">Conclusion&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/wp-api.pocketful.in\/blog\/mutual-funds\/best-mutual-funds-for-lump-sum-investment\/#Frequently_Asked_Questions_FAQs\" title=\"Frequently Asked Questions (FAQs)\">Frequently Asked Questions (FAQs)<\/a><\/li><\/ul><\/nav><\/div>\n<h2 id=\"h-what-is-a-lump-sum-investment\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_a_lump-sum_investment\"><\/span>What is a lump-sum investment?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">It works well when you have a long horizon, ideally 5 years or more. It will not work if you are going to panic every time the Nifty falls 8%. And it is definitely not the right move if you might need that money within 18-24 months for a home purchase, marriage, or any big expense.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you are anxious about investing it all in at once, park the money in a liquid fund or short- duration fund first, and then use an STP (Systematic Transfer Plan) to move it into equity funds over 6-12 months.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This way, your money starts earning from day one in a low-risk instrument, while your equity exposure builds gradually.&nbsp;<\/p>\n\n\n\n<h2 id=\"h-what-to-look-for-in-a-lump-sum-fund\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_to_Look_for_in_a_Lump_Sum_Fund\"><\/span>What to Look for in a Lump Sum Fund<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You should look at a few points before you jump into lump-sum investing<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Downside protection<\/strong>: You want a fund that does not fall 4% in a downturn while the index falls 2%. Consistency during bad markets is underrated.<\/li>\n\n\n\n<li><strong>Long track record<\/strong>: Not just 1-year returns; look at how the fund did across at least one full market cycle, including a correction.<\/li>\n\n\n\n<li><strong>Fund manager stability<\/strong>: Funds that constantly change managers usually are less predictable. Hence, it becomes extremely important to track the fund manager.<\/li>\n\n\n\n<li><strong>Expense ratio<\/strong>: Over 10-15 years, even a 0.5% difference in annual costs can mean lakhs of rupees. Higher expense ratios can eat up your returns.\u00a0<\/li>\n<\/ul>\n\n\n\n<ol class=\"wp-block-list\"><\/ol>\n\n\n\n<h2 id=\"h-list-of-best-mutual-funds-for-lump-sum-investments\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"List_of_Best_Mutual_Funds_for_Lump-sum_Investments\"><\/span>List of Best Mutual Funds for Lump-sum Investments<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table has-small-font-size\"><table><thead><tr><th>S. No<\/th><th>Funds<\/th><th>Base Expense Ratio (%)<\/th><th>AUM (in cr)<\/th><th>Launch Date<\/th><th>1 Yr Ret (%)<\/th><th>3 Yr Ret (%)<\/th><th>5 Yr Ret (%)<\/th><th>Latest NAV<\/th><th>52-Week High NAV<\/th><th>52-Week Low NAV<\/th><th>Exit Load (Period)<\/th><th>Fund Manager (Tenure)<\/th><\/tr><\/thead><tbody><tr><td>1<\/td><td>HSBC Midcap Fund<\/td><td>1.46<\/td><td>14,249<\/td><td>2004-08-09<\/td><td>18.52<\/td><td>27.03<\/td><td>19.25<\/td><td>459.86<\/td><td>464.39<\/td><td>362.73<\/td><td>1.00 (365)<\/td><td>Cheenu Gupta (3.6)<\/td><\/tr><tr><td>2<\/td><td>DSP India T.I.G.E.R. Fund &#8211; Regular Plan<\/td><td>1.57<\/td><td>6,019<\/td><td>2004-06-11<\/td><td>17.26<\/td><td>25.97<\/td><td>23.81<\/td><td>363.67<\/td><td>367.48<\/td><td>296.1<\/td><td>1.00 (364)<\/td><td>Rohit Singhania (0.9)<\/td><\/tr><tr><td>3<\/td><td>ICICI Prudential US Bluechip Equity Fund<\/td><td>1.64<\/td><td>3,699<\/td><td>2012-07-06<\/td><td>17.14<\/td><td>12.47<\/td><td>10.12<\/td><td>72.94<\/td><td>76.55<\/td><td>62.06<\/td><td>1.00 (30)<\/td><td>Sharmila D&#8217;Silva (4), Ritesh Lunawat (1.8), Nitya Mishra (1.6)<\/td><\/tr><tr><td>4<\/td><td>DSP Natural Resources and New Energy Fund &#8211; Regular Plan<\/td><td>1.71<\/td><td>2,457<\/td><td>2008-04-25<\/td><td>21.18<\/td><td>21.79<\/td><td>16.1<\/td><td>106.97<\/td><td>112.66<\/td><td>87.16<\/td><td>&#8212;<\/td><td>Rohit Singhania (14)<\/td><\/tr><tr><td>5<\/td><td>Bank of India Small Cap Fund &#8211; Regular Plan<\/td><td>1.73<\/td><td>2,318<\/td><td>2018-12-19<\/td><td>17.02<\/td><td>21.72<\/td><td>19.68<\/td><td>53.83<\/td><td>54.23<\/td><td>40<\/td><td>1.00 (365)<\/td><td>Nav Bhardwaj (0.9), Alok Singh (1.7)<\/td><\/tr><tr><td>6<\/td><td>Union Small Cap Fund &#8211; Regular Plan<\/td><td>1.75<\/td><td>2,094<\/td><td>2014-06-10<\/td><td>18.61<\/td><td>19.62<\/td><td>18.09<\/td><td>56.54<\/td><td>56.96<\/td><td>44.35<\/td><td>1.00 (15)<\/td><td>Pratik Dharmshi (1.5), Gaurav Chopra (1.6)<\/td><\/tr><tr><td>7<\/td><td>Aditya Birla Sun Life Manufacturing Equity Fund &#8211; Regular Plan<\/td><td>1.87<\/td><td>1,198<\/td><td>2015-01-31<\/td><td>17.42<\/td><td>21.2<\/td><td>13.99<\/td><td>36.87<\/td><td>37.27<\/td><td>30.94<\/td><td>1.00 (90)<\/td><td>Dhaval Joshi (0.1)<\/td><\/tr><tr><td>8<\/td><td>Bank of India Manufacturing &amp; Infrastructure Fund &#8211; Regular Plan<\/td><td>2.01<\/td><td>789<\/td><td>2010-03-05<\/td><td>17.42<\/td><td>24.37<\/td><td>21.25<\/td><td>65.44<\/td><td>65.78<\/td><td>54.38<\/td><td>1.00 (365)<\/td><td>Nitin Gosar (3.7)<\/td><\/tr><tr><td>9<\/td><td>Edelweiss MSCI India Domestic &amp; World Healthcare 45 Index Fund &#8211; Regular Plan<\/td><td>0.9<\/td><td>178<\/td><td>2020-10-26<\/td><td>17.46<\/td><td>20.1<\/td><td>13.02<\/td><td>22.47<\/td><td>22.47<\/td><td>19.11<\/td><td>&#8212;<\/td><td>Bhavesh Jain (4.7), Manasi Jalgaonkar (0.2)<\/td><\/tr><tr><td>10<\/td><td>Baroda BNP Paribas Aqua FoF &#8211; Regular Plan<\/td><td>1.35<\/td><td>40<\/td><td>2021-05-07<\/td><td>17.4<\/td><td>13.53<\/td><td>8.95<\/td><td>15.46<\/td><td>15.78<\/td><td>13.03<\/td><td>1.00 (365)<\/td><td>Stuti Singhee (0.2), Swapna Shelar (1.7)<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">(data as of June 30, 2026)<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Read Also:<\/strong> <a href=\"https:\/\/www.pocketful.in\/blog\/mutual-funds\/best-equity-mutual-funds-in-india\/\">Best Equity Mutual Funds in India<\/a><\/p>\n\n\n\n<h2 id=\"h-overview-of-best-mutual-funds-for-lump-sum-investments\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Overview_of_Best_Mutual_Funds_for_Lump_sum_Investments\"><\/span>Overview of Best Mutual Funds for Lump sum Investments<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 id=\"h-1-dsp-natural-resources-and-new-energy-fund\" class=\"wp-block-heading has-medium-font-size\">1. DSP Natural Resources and New Energy Fund\u00a0<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Category: Equity, Thematic &#8211; Energy<\/li>\n\n\n\n<li>Asset Under Management: \u20b92,457 Cr as on 31st May, 2026<\/li>\n\n\n\n<li>Invests in companies tied to energy, mining, and the broader natural resources space, in India and overseas<\/li>\n\n\n\n<li>Top holdings include Jindal Steel, Tata Steel, Bharat Petroleum, BlackRock Global Funds<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Also covers the clean energy and energy technology theme, renewables, storage, related sectors<\/li>\n\n\n\n<li>Minimum investment amount: INR 100<\/li>\n\n\n\n<li>Carries very high risk, works best as a smaller, satellite part of a portfolio<\/li>\n<\/ul>\n\n\n\n<h3 id=\"h-2-union-small-cap-fund\" class=\"wp-block-heading has-medium-font-size\">2. Union Small Cap Fund\u00a0<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Category: Equity, Small Cap\u00a0<\/li>\n\n\n\n<li>Asset Under Management: \u20b92,094 Cr as on 31st May, 2026<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Focuses on smaller, lesser-known companies with potential to grow significantly over time<\/li>\n\n\n\n<li>Top holdings include GE Vernova T&amp;D, Acutaas Chemicals, MCX, Karur Vyasa Bank\u00a0<\/li>\n\n\n\n<li>Tends to be more volatile than large or mid cap funds, given the nature of small businesses<\/li>\n\n\n\n<li>Minimum investment amount: INR 1,000<\/li>\n\n\n\n<li>Minimum SIP amount: INR 500<\/li>\n\n\n\n<li>Good fit for a longer time horizon, where you can sit through market swings<\/li>\n<\/ul>\n\n\n\n<h3 id=\"h-3-hsbc-midcap-fund\" class=\"wp-block-heading has-medium-font-size\">3. HSBC Midcap Fund\u00a0<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Category: Equity, Mid Cap\u00a0<\/li>\n\n\n\n<li>Asset Under Management: \u20b914,249 Cr as on 31st May, 2026<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Invests in companies between large, established players and smaller, riskier ones<\/li>\n\n\n\n<li>Top holdings include FSN E-Commerce Ventures (Nykaa), GE Vernova T&amp;D India, Hitachi Energy India, BSE Ltd, Federal Bank<\/li>\n\n\n\n<li>Minimum investment amount: INR 5,000<\/li>\n<\/ul>\n\n\n\n<h3 id=\"h-4-edelweiss-msci-india-domestic-amp-world-healthcare-45-index-fund\" class=\"wp-block-heading has-medium-font-size\">4. Edelweiss MSCI India Domestic &amp; World Healthcare 45 Index Fund\u00a0<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Category: Equity, Sectoral &#8211; Pharma\u00a0<\/li>\n\n\n\n<li>Asset Under Management: \u20b9178 Cr as on 31st May, 2026<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A passively managed fund tracking an index of Indian and global healthcare and pharma companies<\/li>\n\n\n\n<li>Top holdings include Sun Pharma, Apollo Hospitals, Divi\u2019s Lab, Cipla<\/li>\n\n\n\n<li>Being index-based, costs to run are lower than active thematic funds<\/li>\n\n\n\n<li>Minimum investment amount: INR 100<\/li>\n<\/ul>\n\n\n\n<h3 id=\"h-5-aditya-birla-sun-life-manufacturing-equity-fund\" class=\"wp-block-heading has-medium-font-size\">5. Aditya Birla Sun Life Manufacturing Equity Fund\u00a0<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Category: Equity, Thematic &#8211; Manufacturing<\/li>\n\n\n\n<li>Asset Under Management: \u20b91,198 Cr as on 31-May-2026<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Invests in companies linked to India&#8217;s manufacturing growth story, auto components, capital goods, chemicals, and defence<\/li>\n\n\n\n<li>Top holdings include Hindalco, Cummins India, Reliance, M&amp;M, Maruti Suzuki.<\/li>\n\n\n\n<li>Minimum investment amount: INR 1,000<\/li>\n<\/ul>\n\n\n\n<h3 id=\"h-6-bank-of-india-manufacturing-amp-infrastructure-fund\" class=\"wp-block-heading has-medium-font-size\">6. Bank of India Manufacturing &amp; Infrastructure Fund\u00a0\u00a0<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Category: Equity, Thematic &#8211; Infrastructure<\/li>\n\n\n\n<li>Asset Under Management: \u20b9789 Cr as on 31-May-2026<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Top holdings include L&amp;T, NTPC, Reliance, Dixon Technologies<\/li>\n\n\n\n<li>Minimum investment amount: INR 1,000<\/li>\n<\/ul>\n\n\n\n<h3 id=\"h-7-baroda-bnp-paribas-aqua-fof\" class=\"wp-block-heading has-medium-font-size\">7. Baroda BNP Paribas Aqua FoF\u00a0<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Category: Equity, International<\/li>\n\n\n\n<li>Asset Under Management: \u20b940 Cr as on 31-May-2026<\/li>\n\n\n\n<li>Invests in another fund, BNP Paribas Funds Aqua (Lux), instead of buying stocks directly<\/li>\n\n\n\n<li>Invests mainly in water-related businesses globally, water treatment, conservation, sustainability<\/li>\n\n\n\n<li>Minimum investment amount: INR 5,000<\/li>\n<\/ul>\n\n\n\n<h3 id=\"h-8-dsp-india-t-i-g-e-r-fund\" class=\"wp-block-heading has-medium-font-size\">8. DSP India T.I.G.E.R. Fund\u00a0<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Category:\u00a0 Equity, Thematic &#8211; Infrastructure<\/li>\n\n\n\n<li>Asset Under Management: \u20b96,019 Cr as on 31-May-2026<\/li>\n\n\n\n<li>Short for The Infrastructure Growth and Economic Reforms Fund, one of the older infra-themed funds in India<\/li>\n\n\n\n<li>Invests in sectors benefiting from economic reforms and infrastructure growth, power, telecom, construction<\/li>\n\n\n\n<li>Top holdings include Larsen &amp; Toubro, NTPC, Apollo Hospitals, Power Grid Corporation<\/li>\n\n\n\n<li>Minimum investment amount: INR 100<\/li>\n<\/ul>\n\n\n\n<h3 id=\"h-9-icici-prudential-us-bluechip-equity-fund\" class=\"wp-block-heading has-medium-font-size\">9. ICICI Prudential US Bluechip Equity Fund<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Category: Equity, International<\/li>\n\n\n\n<li>Asset Under Management: \u20b93,699 Cr as on 31-May-2026<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Gives Indian investors access to established American companies without a separate international trading account<\/li>\n\n\n\n<li>Top holdings include Microsoft, Agilent Technologies, Clorox<\/li>\n\n\n\n<li>Minimum investment amount: INR 5,000<\/li>\n<\/ul>\n\n\n\n<h3 id=\"h-10-bank-of-india-small-cap-fund\" class=\"wp-block-heading has-medium-font-size\">10. Bank of India Small Cap Fund<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Category: Equity, Small Cap<\/li>\n\n\n\n<li>Asset Under Management: \u20b92,318 cr as on 31-May-2026<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Invests in smaller under-the-radar companies with strong growth potential and higher risk<\/li>\n\n\n\n<li>Top holdings include Wockhardt, Sky Gold And Diamonds, Acutaas Chemicals, Lloyd Metals<\/li>\n\n\n\n<li>Minimum investment amount: INR 5,000<\/li>\n<\/ul>\n\n\n\n<h2 id=\"h-how-to-invest-in-lump-sum-through-pocketful-app\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Invest_in_Lump_sum_through_Pocketful_App\"><\/span>How to Invest in Lump sum through Pocketful App<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Open your Account:<\/strong> If you do not have an account on <a href=\"https:\/\/www.pocketful.in\/\">Pocketful<\/a>, you will need to <a href=\"https:\/\/www.pocketful.in\/open-demat-account\">open a demat account<\/a>, which is free and has zero account opening charges and <a href=\"https:\/\/www.pocketful.in\/pricing\">zero AMC<\/a>. The KYC takes maybe 5-10 minutes: PAN, Aadhaar, bank details, and a quick video verification.\u00a0<\/li>\n\n\n\n<li><strong>Look for the Mutual Funds tab:<\/strong> Once you log in to the app, there is a dedicated section just for <a href=\"https:\/\/www.pocketful.in\/mutual-funds\">mutual funds<\/a>. You can do everything you need, exploring schemes, comparing them, and tracking your existing investments\u00a0<\/li>\n\n\n\n<li><strong>Now, pick your fund: <\/strong>Type the scheme name you want to invest in and search, or browse by category if you are still deciding between large cap and flexi cap, depending on whatever you are looking for.\u00a0<\/li>\n\n\n\n<li><strong>Choose One-time:<\/strong> Select the One-time option. Decide how much you want to invest, enter the amount and choose a payment option (UPI\/netbanking).\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Read Also: <\/strong><a href=\"https:\/\/www.pocketful.in\/blog\/mutual-funds\/best-sip-mutual-funds-in-india\/\">Best SIP Mutual Funds in India<\/a><\/p>\n\n\n\n<h2 id=\"h-conclusion-nbsp\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">There is no single &#8220;best&#8221; fund for everyone, it really depends on what you are trying to achieve, how much risk you can stomach without losing sleep, and how long that money can stay locked away.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Say you have got \u20b95 lakh ready to deploy today. A practical way to split it could look like this: \u20b92 lakh into a flexi-cap fund as your core holding, \u20b91.5 lakh into a mid or small-cap fund to chase some growth, and the last \u20b91.5 lakh parked in a balanced advantage fund to act as a cushion when markets fluctuate. This helps you in portfolio diversification.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table has-small-font-size\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">S.NO.<\/th><th class=\"has-text-align-left\" data-align=\"left\">Check Out These Interesting Posts You Might Enjoy!<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">1<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/www.pocketful.in\/blog\/mutual-funds\/top-gold-mutual-funds-in-india\/\">Top Gold Mutual Funds in India<\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">2<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/www.pocketful.in\/blog\/mutual-funds\/high-return-mutual-funds-in-india\/\">Top 10 High-Return Mutual Funds in India<\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">3<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/www.pocketful.in\/blog\/mutual-funds\/best-money-market-mutual-funds-in-india\/\">Best Money Market Mutual Funds in India<\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">4<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/www.pocketful.in\/blog\/mutual-funds\/best-passive-mutual-funds-in-india\/\">Best Passive Mutual Funds in India<\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">5<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/www.pocketful.in\/blog\/mutual-funds\/best-aggressive-hybrid-mutual-funds\/\">Best Aggressive Hybrid Mutual Funds in India<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 id=\"h-frequently-asked-questions-faqs\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_FAQs\"><\/span>Frequently Asked Questions (FAQs)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div class=\"saswp-faq-block-section\"><ol style=\"list-style-type:none\"><li style=\"list-style-type: none\"><h3 class=\"\">What is the lowest amount you can invest in a mutual fund in lump sum?\u00a0<\/h3><p class=\"saswp-faq-answer-text\">Nearly all funds allow you to start with as low as \u20b9100 to \u20b91,000. It is advisable to review the minimum investment amount of the scheme before investing.<\/p><li style=\"list-style-type: none\"><h3 class=\"\">Should I invest in a lump sum in 2026 or SIP?<\/h3><p class=\"saswp-faq-answer-text\">Both work well. It completely depends on your mode of investing and the funds you have.\u00a0<\/p><li style=\"list-style-type: none\"><h3 class=\"\">How long should I stay invested in a lump sum investment?<\/h3><p class=\"saswp-faq-answer-text\">A time frame of 5+ years is recommended for equity funds, as this allows them to smooth out the volatility and benefit from compounding effects.\u00a0<\/p><li style=\"list-style-type: none\"><h3 class=\"\">What is an STP?<\/h3><p class=\"saswp-faq-answer-text\">STP means systematic transfer plan. It is used to move funds from one fund to another in a systematic manner.\u00a0<\/p><li style=\"list-style-type: none\"><h3 class=\"\">What is the safest category for a mutual-fund investor?\u00a0<\/h3><p class=\"saswp-faq-answer-text\">Balanced Advantage is the safest, as they have an allocation in debt funds, which means lower volatility.<\/p><\/ul><\/div>","protected":false},"excerpt":{"rendered":"<p>You just received your annual bonus. Or maybe you finally sold that plot your father had been holding since 2005. Either way, you have a decent chunk of money, and you are thinking, \u201cShould I just put this in a fixed deposit, or is there any other way to get more returns than FD\u201d? Let [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":28757,"parent":0,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[19],"tags":[],"class_list":["post-28754","mutual-funds","type-mutual-funds","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"acf":{"freelancer":"Harjyot"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.13 (Yoast SEO v21.2) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>10 Best Mutual Funds for Lump Sum Investment in 2026<\/title>\n<meta name=\"description\" content=\"Looking to invest a lump sum in 2026? Explore the best mutual funds based on returns, AUM, expense ratio, and risk profile. 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