What does 'additional lumpsum' mean in mutual fund investment?
If you've already made a one-time (lumpsum) investment in a mutual fund and later decide to add more money to the same scheme, that subsequent investment is called an additional lumpsum. It lets you top up your holdings without starting a new folio or investment cycle.
What is the difference between lumpsum and additional lumpsum?
- Lumpsum investment: A first-time, one-time investment made into a mutual fund scheme. This usually requires a higher minimum amount (e.g., ₹5,000).
- Additional lumpsum: Any further one-time investment into the same mutual fund scheme where you've already invested. The minimum investment required is usually lower (e.g., ₹1,000).
This option is ideal if you want to reinvest in a scheme you already trust, without committing to a recurring SIP.
Example
Suppose you invest ₹5,000 in the Canara Robeco Small Cap Fund - Direct Plan - Growth Option, meeting the fund’s minimum lumpsum investment requirement. If, after a few days, you decide to invest ₹1,000 more in the same scheme, this would be classified as an additional lumpsum.
What if?
| Scenario | Explanation |
|---|
| You try to make an additional investment below the scheme's minimum | The platform will show an error. Check the fund’s factsheet or summary for the correct minimum amount. |
| You switch to a different mutual fund | It won’t count as an additional lumpsum. A new lumpsum or SIP setup will be required. |
| You already have an active SIP | You can still make an additional lumpsum in the same scheme anytime. Both can coexist. |
| You want to track all your additional investments | You can view them under your FYERS Mutual fund portfolio details. Each entry is timestamped and unitised separately. |
Minimum investment requirements vary across mutual fund schemes. Always check the fund details in FYERS before making additional investments.
Last updated: 11 Jun 2025
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