Best Mutual Funds for Lump Sum Investment in 2025

The Indian Mutual Fund industry is on a remarkable rise, growing from ₹12.04 trillion in 2015 to an impressive ₹72.20 trillion in 2025. That is a 6x surge in just a decade, reflecting the growing confidence of investors in market-driven wealth creation.

Planning a lump sum investment in 2025? We have handpicked 7 of the best mutual funds with strong past performance and long-term potential to help you grow your wealth with confidence.

Quick Synopsis

• The Indian mutual fund industry’s AUM surged from ₹12.04 trillion in 2015 to ₹72.20 trillion in 2025.
• Handpicked funds across debt, hybrid, infrastructure, PSU, midcap, and tax-saving categories to suit varied investment goals.
• For lump-sum investment in 2025, top-performing funds include ICICI Prudential Infrastructure Fund, Motilal Oswal Midcap Fund, SBI Long Term Equity Fund, etc.

7 Best Mutual Funds for Lump Sum Investment in India

These are the best mutual funds for lump sum investment in 2025:

Aditya Birla Sun Life Medium Term Fund - Direct-Growth

A steady choice for conservative investors, this fund focuses on medium-term debt securities to offer a mix of regular income and capital growth.

• Asset Under Management: ₹2,504.21 crore  
• Portfolio Holding: Debt: 90.27%, Others: 10.26%
• Expense Ratio: 0.84%

HDFC Infrastructure Fund - Direct-Growth

Targeting the infrastructure boom, this fund focuses on companies involved in or benefiting from India’s infrastructure development.

• Asset Under Management: ₹2,539.58 crore
• Portfolio Holding: Equity: 91.51%, Others: 8.49%
• Expense Ratio: 1.02%

Kotak Aggressive Hybrid Fund - Direct-Growth

Perfect for those seeking a balanced approach, this fund invests in both equities and debt instruments to aim for capital appreciation with income stability.

• Asset Under Management: ₹7,413.46 crore
• Portfolio Holding: Equity: 74.78%, Debt: 20.17%, Others: 5.05%
• Expense Ratio: 0.48%

Invesco India PSU Fund - Direct-Growth

This fund invests in public sector enterprises (PSUs), riding on government-backed businesses with strong fundamentals.

• Asset Under Management: ₹1,394.4 crore
• Portfolio Holding: Equity: 97.53%, Others: 2.47%
• Expense Ratio: 0.94%

ICICI Prudential Infrastructure Fund - Direct-Growth

Another solid infrastructure-focused pick, offering long-term capital appreciation by investing in companies from the infrastructure sector.

• Asset Under Management: ₹7,920.29 crore
• Portfolio Holding: Equity: 92.94%, Others: 6.45%
• Expense Ratio: 1.14%

Motilal Oswal Midcap Fund - Direct-Growth

Ideal for investors eyeing midcap exposure, this fund picks up to 30 high-quality midcap companies with strong growth potential.

• Asset Under Management: ₹30,401.09 crore
• Portfolio Holding: Equity: 68.82%, Others: 31.18%
• Expense Ratio: 0.7%

SBI ELSS Tax Saver Fund - Direct Plan - Growth

The scheme was formerly known as the SBI Long Term Equity Fund and provides the benefits of equity investments along with tax deductions under Section 80C of the Income Tax Act of 1961. 

• Asset Under Management: ₹29,667.41 crore
• Portfolio Holding: Equity: 91.86%, Debt: 0.13%, Others: 8.01%
• Expense Ratio: 0.93%

Note: All mutual fund details mentioned are as of July 9, 2025. Performance and other metrics are subject to market fluctuations and may change over time.

This list of the best mutual funds for lump sum investment is not a recommendation. Always conduct your own research or consult a financial advisor before making any investment decisions.

Looking for safer, fixed-income options? Visit Stable Money to explore and invest in high-return Fixed Deposits and Recurring Deposits, handpicked for safety and consistent returns.