Investment Scheme – Invest 50,000 Rs and Earn 1 Lakh | Money Doubling Method

Investment Scheme

Investing is a powerful way to grow your wealth, and with the right strategies, you can double your money over time. One effective method to achieve this is through mutual funds, which offer a balanced approach to investment, combining potential high returns with manageable risk. In this essay, we will explore how you can invest ₹50,000 in mutual funds to earn ₹1 lakh, focusing on specific funds that have shown promising returns.

Understanding Mutual Funds

Mutual funds pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities. This diversification helps to spread risk and can provide substantial returns over time. Professional fund managers handle these investments, making decisions based on market research and analysis, which can be advantageous for individual investors who may not have the time or expertise to manage their investments actively.

Also Read…  Double Your Money With These 3 Best Multi Cap Mutual Funds

The Power of Compounding

One of the fundamental principles that make mutual funds attractive is the power of compounding. When the returns on your investments are reinvested, they generate additional returns, which are then reinvested, creating a cycle of growth. Over time, this compounding effect can significantly increase the value of your investments.

Selecting the Right Mutual Funds

To double your investment from ₹50,000 to ₹1 lakh, it is crucial to select mutual funds with a history of strong performance. Here, we focus on two specific funds: Invesco India PSU Equity Fund and Invesco India PSU Equity Fund Direct IDCW. Both funds have demonstrated impressive returns, making them viable options for achieving your investment goals.


The Invesco India PSU Equity Fund focuses on investing in public sector undertakings (PSUs), which are companies owned by the government. PSUs often operate in key sectors such as energy, banking, and infrastructure, which are vital to the country’s economy. This fund aims to capitalize on the growth potential of these companies.


  • 1-Year Return: 115.8%
  • 3-Year Return: 44.1%
  • 5-Year Return: 32.4%
  • All-Time Return: 19.8%

These returns indicate strong performance, particularly in the short to medium term. The fund’s high 1-year return reflects its potential for rapid growth, while its 3-year and 5-year returns show consistent performance over a longer period.

Minimum SIP Amount

The minimum Systematic Investment Plan (SIP) amount for this fund is ₹500, making it accessible for investors who prefer to invest smaller amounts regularly rather than a lump sum.


Similar to the Invesco India PSU Equity Fund, the Direct IDCW variant focuses on public sector undertakings. IDCW stands for Income Distribution cum Capital Withdrawal, which means this fund not only focuses on growth but also distributes income to investors at regular intervals.


  • 1-Year Return: 115.8%
  • 3-Year Return: 44.1%
  • 5-Year Return: 32.4%
  • All-Time Return: 19.8%

The performance metrics for this fund mirror those of the Invesco India PSU Equity Fund, showcasing its potential for high returns and consistent performance.

Minimum SIP Amount

This fund also requires a minimum SIP amount of ₹500, allowing for flexible investment options.

Strategy for Doubling Your Investment

Initial Investment

Start with an initial investment of ₹50,000. By investing in mutual funds like the Invesco India PSU Equity Fund or Invesco India PSU Equity Fund Direct IDCW, you are leveraging their potential for high returns.

Regular SIPs

Consider setting up a SIP to continue investing in these funds. Regular contributions can help you take advantage of market fluctuations, buying more units when prices are low and fewer units when prices are high. This strategy, known as rupee cost averaging, can reduce the impact of volatility on your investment.

Monitoring and Rebalancing

Regularly monitor the performance of your investments. While the funds mentioned have shown strong historical returns, it is essential to stay informed about market conditions and the performance of your investments. Periodically rebalance your portfolio to ensure it aligns with your financial goals and risk tolerance.

Risk Management

Investing in mutual funds, like any investment, carries risks. The performance of PSUs can be influenced by government policies, economic conditions, and other factors. Therefore, it is crucial to diversify your investments across different sectors and asset classes to mitigate risk.

Tax Considerations

Mutual fund investments can offer tax benefits. For example, investments in Equity-Linked Savings Schemes (ELSS) are eligible for deductions under Section 80C of the Income Tax Act. Additionally, the gains from mutual funds are subject to capital gains tax, which varies based on the holding period. Understanding the tax implications of your investments can help you maximize your returns.

The Role of Financial Advisors

While investing in mutual funds can be a straightforward process, seeking advice from a financial advisor can be beneficial. Advisors can provide personalized recommendations based on your financial goals, risk tolerance, and investment horizon. They can also help you navigate market complexities and make informed decisions.


Investing ₹50,000 in mutual funds to earn ₹1 lakh is an achievable goal with the right strategy and fund selection. The Invesco India PSU Equity Fund and Invesco India PSU Equity Fund Direct IDCW are two options that have demonstrated strong returns, making them suitable choices for investors seeking to double their money. By understanding the power of compounding, selecting the right funds, and adopting a disciplined investment approach, you can harness the potential of mutual funds to grow your wealth and achieve your financial objectives. Remember to diversify your investments, manage risks, and stay informed about market conditions to ensure long-term success.

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