Need Suggestions for Mutual Funds Investment

If you need to do lumpsum then don't do MF.... If you are doing SIP then go for good flexi cap direct growth MF.

It depends on how long you want to invest.

If you want to invest long term, doing  lumpsum or sip doesn't make much difference.

If investing for short term(1 to 4 years), split the money into 12 or 15.

Invest one part every month in funds you want. Keep the rest the money in a liquid fund or a sweep fd.

(Keeping money in liquid funds and withdrawing every month could mean more tax calculation)


Pick 1 index fund and 1 flexi fund.


If you are willing to take some risks add  mid caps and small caps accordingly.

Best bet would be ELSS. MY CHOICE  PARAG PARIKH TAX SAVER FUND very good returns than peers

Since you are doing a lumpsum investment for long term, you can also consider investing(partially) in some quality stocks at good valuations. Some at the top of my head are:

- SBI Card
- Hindustan Unilever
- Biocon
- IGL

They won't give you very fast growth, but are relatively safer(not much downside likely at current levels) in these volatile market conditions.