What should be the strategy to earn ₹25 lac in 5 years with a lump sum investment of ₹5 lac today in mutual funds?

Assuming you make a constant 15% return (no guarantees) on your investments over five year horizon, you will need to open a Mutual Fund SIP of Rs 25,000 per month in order to reach Rs 25 lakhs in 5 years. This includes the lumpsum of Rs 5 lakhs you will make at the beginning.

If you don’t invest in Direct Plans (i.e. go through a broker), then you will fall short of your target by Rs 1 lakh (assuming about 1.5% goes to broker commissions in your equity mutual fund)