Investing a lump sum in mutual funds can be a powerful strategy for building long-term wealth, particularly when it aligns with your financial goals and risk appetite. Unlike systematic investment plans (SIPs), which spread contributions over time, lump-sum investing puts your entire capital to work immediately, making the choice of fund type and quality of management especially important.
Choosing the right mutual fund allows you to strike a balance between growth potential and stability, ensuring your money is both protected and positioned for meaningful returns. In this read, we’ll take a closer look at some of the best mutual funds for lump sum investments in February 2026.
| Name | AUM (₹ Crore) | CAGR 3Y (%) |
| Bandhan Small Cap Fund | 18,990.28 | 31.84 |
| ICICI Pru NASDAQ 100 Index Fund | 2,620.60 | 29.71 |
| Invesco India Midcap Fund | 10,296.36 | 28.06 |
| Edelweiss Mid Cap Fund | 13,650.47 | 27.97 |
| WOC Mid Cap Fund | 4,447.55 | 27.36 |
Note: The above-mentioned schemes have been selected based on 3Y CAGR as of Feb 06, 2026
| Name | AUM (₹ Crore) | Expense Ratio |
| Franklin India Large & Mid Cap Fund | 3,674.24 | 1.31 |
| HSBC Flexi Cap Fund | 5,227.12 | 1.20 |
| Nippon India Vision Large & Mid Cap Fund | 6,896.30 | 1.19 |
| Bandhan Flexi Cap Fund | 7,707.90 | 1.12 |
| Franklin India Large Cap Fund | 7,971.79 | 1.11 |
A successful lump-sum investment strategy begins with selecting the right mutual fund category that aligns with your investment horizon and risk tolerance. Whether your goal is aggressive growth through equity funds, steady returns via debt funds, or a balanced approach with hybrid funds, a disciplined and thoughtful allocation can help maximise potential returns while managing risk.
Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.
Mutual Fund investments in the securities market are subject to market risks, read all the related documents carefully before investing.
Published on: Feb 6, 2026, 12:38 PM IST
Sachin Gupta
Sachin Gupta is a Content Writer with 6+ years of experience in the stock market, including global markets like the US, Canada, and Australia. At Angel One, Sachin specialises in creating financial content that simplifies complex market trends. Sachin holds a Master's in Commerce, specialising in Economics.
Know MoreWe're Live on WhatsApp! Join our channel for market insights & updates
Get the link to download the App
EN