Top 10 Best Mutual Funds In India In 2022 - Inventiva (2024)

Top Best 10 Mutual Funds In India In 2022

When it comes to investments, the most general advice is that if you start investing in mutual funds, you will become wealthy! However, for some reason, no one seems to have a complete answer to the age-old question of how mutual funds work. Today, we’ll talk about it.

What are Mutual Funds?

A mutual fund is an investment instrument that collects money from multiple investors and invests it in the stock market. Mutual funds invest in various assets, including stocks, bonds, and other financial instruments. Actively managed mutual funds and passively managed mutual funds are also available. An active fund manager does market research to align the portfolio with the fund’s objectives. On the other hand, passively managed funds follow the index or benchmark. Exchange-traded funds (ETFs) and index funds are two examples.

The type of securities in which a mutual fund’s pooled money is invested is determined by the fund’s investment objective. For example, if the goal of a mutual fund is to provide long-term wealth to its investors. Stocks of large, stable firms (often called large-cap funds) that have consistently generated a decent return year after year would be the majority of the fund’s investments. Mutual funds are ideal for people who want to diversify their portfolios.

There are a variety of mutual funds on the market today that cater to different investor needs. Investing in a fund that meets one’s unique needs depends on income level and financial objectives.

These funds are one of the most straightforward ways to invest in the stock market while minimising risk—understanding how mutual funds function is an excellent strategy to ensure your financial future.

How do Mutual Funds Work?

Mutual funds pool money from various participants to invest in stocks, bonds, and government securities, among other things. At the time of the NFO (New Fund Offer), each mutual fund scheme has a strategy. The fund must stick to the plan once it has been decided. From the launch of NFO to the distribution of returns, mutual fund investing is a cycle of 4 steps.

1. NFO Launch

A New Fund Offer (NFO) allows investors to subscribe to a mutual fund scheme and pretend they were invested in it from the beginning. They can, however, only subscribe for a short period. Investors will only be able to purchase units when the NFO concludes. Furthermore, the fund’s strategy is made public at the time of the NFO. The fund strategy cannot be amended once the fund manager has determined it. Because investors invest in the fund depending on the plan, this is the case.

As NFOs are new to the market, they are less expensive than established funds. However, before participating in an NFO, mutual fund investors should assess the fund house’s reputation, objectives, investment cost, risk, the minimum subscription amount, and the investment term.

2. Money is Pooled

Mutual funds invest in securities by pooling money from numerous small participants. Investors from their savings invest small sums of money. Small investors can invest in huge portfolios through mutual funds, which they wouldn’t be able to do otherwise. It could be owing to a lack of funds or time to conduct thorough mutual fund research. As a result, mutual funds are the best option for these investors.

3. Invest Money in Securities

The money is invested in stocks, bonds, and government instruments. The fund manager chooses the fund’s portfolio depending on the fund’s strategy. The portfolio manager has the knowledge and time to research the securities thoroughly. They also conduct analyses at the company, industry, and economy levels. To discover the securities that best meet the fund’s strategy and optimise the return on investment for mutual fund investors.

And if the chosen stocks underperform at any point in time, they are replaced with better-performing securities. When selecting securities for a fund, they may employ various tactics. To take advantage of stock market circ*mstances, they sometimes utilise a combination of investment and trading tactics. All of the fund managers’ efforts result in investors having access to enormous portfolios.

4. Fund Returns

The portfolio manager is always looking for ways to make money from their investments on behalf of the fund’s investors. As a result, the fund’s NAV rises due to its mutual fund research, monitoring, and rebalancing efforts. When the fund earns money, it either distributes it or invests it back into the fund. On the other hand, dividend funds distribute their returns in dividends.

Returns on growth funds are re-invested in the fund to increase the wealth of the fund’s investors. It is crucial in mutual fund investing since it completes the investment cycle. If the profits are kept in the fund, they create more incredible wealth.

As a result, mutual fund investing is a continual process that invests many investors’ tiny amounts in productive securities to maximise their value.

How do mutual funds operate?

Let’s use the Aditya Birla Sun Life Asset Management Company Ltd. (ABSL) Top 25 Fund as an example. Let’s pretend the scheme raises INR 1 crore from 100 investors. The average investment per investor is INR 1 lakh. The fund company allotted the units at a NAV of INR 10. As a result, each investor receives 10,000 units. As a result, the fund house has issued and assigned 10 lakh units.

The ABSL Top 25 Fund’s goal is to invest in 25 different stocks. To achieve the fund’s plan, the fund management conducts research and selects the best 25 stocks. The fund management believes that purchasing stocks that meet the criteria will result in considerable portfolio returns. When the fund manager chooses the stocks, they invest the same amount. As a result, the equity fund comprises the top 25 stocks.

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The fund’s Assets Under Management (AUM) is INR 1 crore; hence each stock investment is roughly INR 4 lakh. As a result, these equities are added to the equity fund’s portfolio. In actuality, the fund manager interacts with and invests in large amounts. All of the investments are backed by scientific evidence. The fund manager believes in investing in high-yielding stocks. The fund also maintains a cash balance. Its purpose is to deal with investor redemption.

Increase in Net Asset Value (NAV)

After a month, there are no changes in the portfolio’s holdings or the number of investors. As the price of the stocks fluctuates, the portfolio value fluctuates as well. The entire worth of the portfolio rises as the prices rise. The portfolio’s value increases to INR 1.25 crores in this scenario. Because the fund units of 10,000 have not changed, the new NAV is INR 12.5 (INR 1.25 crore/10 lakh units).

As a result, the investment value of 10,000 units * INR 12.5 NAV increases to INR 1.25 lakh for investors. In other words, investors get a profit of INR 25,000 (INR 1.2 lakh minus INR 1 lakh). Also, the benefits in percentage terms are 25%.

Redemption

Investors can either sell or redeem their investments. A total of 1,00,000 units were redeemed for this fund. The total outflow is INR 12.5 lakh (INR 12.5*1,00,000 units) in terms of value. The fund’s Assets Under Management (AUM) dropped to INR 1.125 crore as a result. Finally, the total number of units is reduced to 9 lakh. As a result, the NAV remains unchanged at INR 12.5 per unit.

First, the fund manager pays investors to deal with redemptions using the cash balance in the portfolio. If necessary, he may also sell some of his shares. However, selling shares in companies that do not have the potential to rise would be a bad idea.

NAV decreases

Assume that stock prices are decreasing. As a result, the portfolio’s value would decrease. It drops from INR 1.25 crore to INR 1.10 crore here. As a result, the NAV has risen to INR 12.22 per unit.

Another investor has now joined the fund. His investment is valued at INR 1 lakh. However, he only received 8,183.306 units this time for the same investment amount. The portfolio value has increased to 1.11 crore due to this new investment. As a result, the total number of units now stands at 8,183.306 units.

It’s crucial to remember that the situation above is only one illustration of how mutual funds work. Investments/purchases and redemptions are made daily in reality. As a result, the fund’s NAV fluctuates regularly, but calculations, on the other hand, are based on the same notion.

What is the difference between Demat and physical mutual funds?

Unit allotment can be done in either demat or physical form. The allocation of units to investors takes two working days. Although both forms are electronic, they differ in account type, account statement, and expenditure ratio.

Physical form

The units are dealt with through AMC in their physical form. The AMC sells the units directly to investors and then repurchases them at the end of the term. Investing in physical form entails keeping a Statement of Account (SOA) on hand. The fund house issues the account statements. The RTA keeps track of all investor records and aids fund institutions in tracking investor data. RTAs have internet portals where investors can access on-demand reports on their mutual fund holdings. The physical form is less expensive than the demat form. There are no extra brokerage fees to pay—just the mutual fund fee.

Demat form

Mutual funds are bought and sold on the exchange or through brokers in demat form. A demat account is used to buy and sell securities. This is a very liquid form. Because the units are publicly available, the buyer or seller can be the AMC or any other investor. On-demand, the broker the mutual funds are traded gives a demat account statement. A single demat account can hold mutual funds and stock assets. The investor will have a comprehensive view of all forms of investments in this manner.

Brokerage fees are charged on a demat or brokerage account in addition to the mutual fund cost. Under a brokerage account, a loan against mutual funds is possible. In the demat form, STP and SWP are not achievable, although they are in the physical form.

The Top 10 Mutual Funds in India in 2022 are written below.

Top 10 Best Mutual Funds In India In 2022 - Inventiva (1)

1. Axis Bluechip Fund

The Axis Bluechip Fund is an open-ended equity fund that focuses on large-cap firms. Suppose your investment goal is to generate long-term capital appreciation by investing in a diversified portfolio primarily comprised of large-cap equity and equity-related instruments, including derivatives. In that case, you should consider Axis Bluechip Fund. However, there is no guarantee that an investor’s financial goal will be met if they participate in this plan.

Characteristics of the Axis Bluechip Fund:

  • The Axis Bluechip Fund mostly invests in large corporations.
  • Because these equities have a proven track record of business concepts and can deliver consistent long-term returns, they are traded often. They are thus comparatively liquid and less volatile.
  • This Fund seeks to outperform the benchmark while posing a lower risk.
  • The Axis Bluechip Fund holds asset class benefits. As an asset class, equity can outperform inflation and produce long-term wealth.

Objectives

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Axis Bluechip Fund may be tailored to an investor’s objectives. Long-term goals, such as children’s schooling and future prospects, retirement, or any other long-term growth that necessitates a wealth creation strategy, maybe met through this method. Nothing, however, is promised.

Top 10 Best Mutual Funds In India In 2022 - Inventiva (2)

2. Mirae Asset Large Cap Fund

Mirae Asset Large Cap Fund Direct-Growth is a Mirae Asset Mutual Fund Large Cap mutual fund strategy. This fund, formed on January 1, 2013, has been around for nine years and one million dollars. Mirae Asset Large Cap Fund Direct-Growth is a medium-sized fund in its category, with assets under management (AUM) of 31,129 crores as of December 31, 2021.

The fund’s expense ratio is 0.51 per cent, more significant than the expense ratios charged by most other Large Cap funds. Mirae Asset Large Cap Fund Direct has a 1-year growth rate of 24.36 per cent. Since its debut, it has averaged an annual return of 18.26%. The fund has doubled the money invested every two years.

The ability of Mirae Asset Large Cap Fund Direct-Growth strategy to provide consistent returns is better than most products in its category. It has an above-average capacity to control losses in a sinking market. The majority of the money in the fund is invested in the financial, technology, energy, healthcare, and construction industries. Compared to other funds in the category, it has less exposure to the Financial and Technology sectors.

Infosys Ltd., ICICI Bank Ltd., HDFC Bank Ltd., Reliance Industries Ltd., and State Bank of India are the fund’s top five holdings.

Top 10 Best Mutual Funds In India In 2022 - Inventiva (3)

3. Parag Parikh Long Term Equity Fund

The Parag Parikh Long Term Equity Fund is a mutual fund that is open to new investors. It is an Equity Fund, as the name implies, that invests in stocks of firms of all sizes and capitalisations. It’s a multi-cap fund with a capital appreciation goal. It offers a varied portfolio and risk management because it invests in stocks and equity-related assets across market capitalisations.

Rajeev Thakkar, Raunak Onkar, and Raj Mehta manage the fund’s domestic equities, international investments, and fixed income investing portions. The fund is unrestricted by market capitalisation and by sectors and geographical limits, as they say. However, listed Indian equities account for 65 per cent of the fund.

However, listed Indian stocks account for 65 per cent of the fund’s assets.

Who should Invest?

  • Investors with a long-term horizon might consider this fund. They clearly explain that early satisfaction involves risks and that an investor should invest for at least 5 years before redeeming the programme.
  • If you’re looking for a way to generate cash, consider investing in this fund. If you expect monthly dividends from returns, it is not for a short-term purpose to give a source of income. It has a Growth option rather than a Dividend option.
  • Suppose you can’t determine which market cap to invest in. In that case, you can put your money into this fund, which is entirely dependent on the Fund Manager and reshuffled according to market conditions.
  • If you want to diversify your portfolio across different capitalisation and sectors,
  • It’s for risk-averse investors who can take a reasonable amount of risk.
  • The scheme invests mainly in equities and stock-related products to generate long-term financial appreciation.

Tax Implications

Your returns will be taxed at 15% if you redeem them before one year. On returns of Rs 1 lakh or more in a financial year, you must pay a 10% LTCG tax after one year.

Top 10 Best Mutual Funds In India In 2022 - Inventiva (4)

4. UTI Flexi Cap Fund

UTI Mutual Fund’s UTI Flexi Cap Fund Direct-Growth is a Multi Cap mutual fund programme. This fund, formed on January 1, 2013, has been around for nine years and one million dollars.UTI Flexi Cap Fund Direct-Growth has a total asset under management (AUM) of 25,541 crores as of December 31, 2021. The fund’s expense ratio is 0.92 per cent, higher than the expense ratios charged by most other Multi Cap funds.

The 1-year returns for UTI Flexi Cap Fund Direct-Growth are 27.46 per cent. Since its debut, it has averaged a 17.38 per cent annual return. The fund has doubled the money invested every two years.

The UTI Flexi Cap Fund Direct-Growth scheme’s ability to deliver consistent returns is equivalent to the majority of funds in its category. In a declining market, it has an above-average ability to control losses.

Most of the fund’s holdings are in the Financial, Technology, Healthcare, Services, and Chemicals sectors.

Larsen & Toubro Infotech Ltd., Bajaj Finance Ltd., HDFC Bank Ltd., Infosys Ltd., and Kotak Mahindra Bank Ltd. are the fund’s top five holdings.

Top 10 Best Mutual Funds In India In 2022 - Inventiva (5)

5. Axis Midcap Fund

Axis Midcap Direct Plan-Growth is an Axis Mutual Fund Mid Cap mutual fund programme. This fund was established on January 1, 2013. As of December 31, 2021, Axis Midcap Direct Plan-Growth has assets under management (AUM) of 16,835 crores, making it a medium-sized fund in its category. The fund’s expense ratio is 0.47 per cent, lower than the expense ratios charged by most other Mid Cap funds.

The 1-year returns on Axis Midcap Direct Plan-Growth are 36.42 per cent. It has returned an average of 20.89 per cent every year since its inception. The fund has quadrupled the money invested every two years.

Axis Midcap Direct Plan-Growth plan to provide consistent returns is comparable to most funds in its category. It has an above-average capacity to control losses in a sinking market.

The majority of the money in the fund is invested in the financial, technology, chemical, service, and healthcare industries. Compared to other funds in the category, it has less exposure to the Financial and Technology sectors.

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NIIT Technologies Ltd., ICICI Bank Ltd., Cholamandalam Investment & Finance Co. Ltd., Avenue Supermarts Ltd., and MindTree Ltd. are the fund’s top five holdings.

Top 10 Best Mutual Funds In India In 2022 - Inventiva (6)

6. Kotak Emerging Equity Fund

Kotak Emerging Equity Fund Direct-Growth is a Kotak Mahindra Mutual Fund Mid Cap mutual fund programme. This equity fund has been around for nine years and one million dollars, established on January 1, 2013. As of December 31, 2021, Kotak Emerging Equity Fund Direct-Growth has assets under management (AUM) of Rs 17,529 crores, making it a medium-sized fund in its category. The fund’s expense ratio is 0.53 per cent, lower than the expense ratios charged by most other Mid Cap funds.

The 1-year returns for Kotak Emerging Equity Fund Direct-Growth are 41.69 per cent. It has returned an average of 21.34% per year since its inception. Every two years, the fund has quadrupled the money put in it.

Engineering, Chemicals, Construction, Financial, and Consumer Durables make up most of the fund’s holdings. It has less exposure to the Engineering and Chemical sectors.

Persistent Systems Ltd., Supreme Industries Ltd., fa*g Bearings India Ltd., Thermax Ltd., and SKF India Ltd. are the fund’s top five holdings.

Investment goal and benchmark

  • The fund’s investment objective is to “create long-term capital appreciation through a portfolio of equities and equity-related instruments, by investing primarily in mid-cap companies.”
  • The NIFTY Midcap 100 Total Return Index is used as a benchmark.

Top 10 Best Mutual Funds In India In 2022 - Inventiva (7)

7. Axis Small Cap Fund

Axis Small Cap Fund Direct-Growth is an Axis Mutual Fund Small Cap mutual fund plan. It has been around for 8 years and 2 million dollars, established on November 11, 2013. As of December 31, 2021, Axis, Small Cap Fund Direct-Growth has an AUM of 8,179 crore, making it a medium-sized fund in its category. The fund’s expense ratio is 0.36 per cent, lower than the expense ratios charged by most other Small Cap funds.

The 1-year returns on Axis Small Cap Fund Direct-Growth are 57.81 per cent. It has returned an average of 26.85% every year since its inception. Every two years, the fund has quadrupled the money put in it.

Axis Small Cap Fund Direct-Growth plan to provide consistent returns is comparable to most funds in its category. It has an average capacity to control losses in a sinking market.

Construction, Technology, Chemicals, FMCG, and Healthcare, make up most of the fund’s holdings. It has less exposure to the Construction and Technology industries.

Galaxy Surfactants Ltd., KPIT Technologies Ltd., Brigade Enterprises Ltd., Narayana Hrudayalaya Ltd., and Tata Elxsi Ltd. are the fund’s top five holdings.

Top 10 Best Mutual Funds In India In 2022 - Inventiva (8)

8. SBI Small Cap Fund

SBI Small Cap Fund Direct-Growth is an SBI Mutual Fund equity mutual fund programme. This scheme was created on January 1, 2013, and is currently managed by R. Srinivasan, the fund manager. It has an AUM of 11,250.50 crores, and the most recent NAV declared is 118.293 crores as of 1:20 pm on February 3, 2022.

SBI Small Cap Fund Direct-Growth programme has returned 46.72 per cent in the last year, 130.60 per cent in the previous three years, and 819.13 per cent since its inception. The minimum SIP amount for this scheme is $500.

Scheme Details

AUM: $11,250.50 million

Equity: Small Cap is a category that includes a wide range of investments.

Launch Date: January 1, 2013

Type of Fund: Open-Ended

Scheme Objective

By investing primarily in a well-diversified basket of small-cap equities firms, the scheme aims to provide investors with the potential for long-term capital gain as well as the liquidity of an open-ended scheme.

Top 10 Best Mutual Funds In India In 2022 - Inventiva (9)

9. SBI Equity Hybrid Fund

The SBI Equity Hybrid Fund invests in a mix of debt and equity to provide long-term capital growth and the liquidity of an open-ended scheme to participants.

The fund invests in many high-growth businesses and hedges its risk by holding fixed-income assets.

The fund will invest 20% of its assets in debt and money market instruments at any given moment.

Top 10 Best Mutual Funds In India In 2022 - Inventiva (10)

10. Mirae Asset Hybrid Equity Fund

Mirae Asset Hybrid Equity Fund Direct-Growth is a Mirae Asset Mutual Fund Aggressive Hybrid mutual fund plan, and the fund has been around for 6 years and 6 million dollars, established on July 8, 2015. As of 31/12/2021, Mirae Asset Hybrid Equity Fund Direct-Growth has assets under management (AUM) of 6,450 Crores, making it a medium-sized fund in its category.

The fund’s expense ratio is 0.37 per cent, lower than the expense ratios charged by most other Aggressive Hybrid funds. The fund now has a 74.93 per cent stock allocation and an 18.03 per cent debt allocation.

The 1-year returns on Mirae Asset Hybrid Equity Fund Direct-Growth are 21.86 per cent. It has generated a yearly return of 15.01 per cent since its inception. Every two years, the fund has quadrupled the money put in it.

Mirae Asset Hybrid Equity Fund Direct-Growth plan to provide consistent returns is comparable to most funds in its category. It has a good capacity to control losses in a sinking market.

The financial, technology, energy, healthcare, and automobile sectors make up most of the fund’s equity holdings. Compared to other funds in the market, it has less exposure to the Financial and Technology industries.

The debt portion of this fund has a low credit rating, meaning that the borrowers it has lent money to are not of high quality.

GOI, HDFC Bank Ltd., Infosys Ltd., ICICI Bank Ltd., and Reliance Industries Ltd. are the fund’s top five holdings.

edited and proofread by nikita sharma

Tags

finance financial market funds investment money mutual fund stock

Top 10 Best Mutual Funds In India In 2022 - Inventiva (2024)

FAQs

Top 10 Best Mutual Funds In India In 2022 - Inventiva? ›

The Top 10 Mutual Funds in India in 2022 are written below.
  • Axis Bluechip Fund. ...
  • Mirae Asset Large Cap Fund. ...
  • Parag Parikh Long Term Equity Fund. ...
  • UTI Flexi Cap Fund. ...
  • Axis Midcap Fund. ...
  • Kotak Emerging Equity Fund. ...
  • Axis Small Cap Fund. ...
  • SBI Small Cap Fund.
Feb 4, 2022

Which MF gives highest return in 5 years? ›

Mutual Funds with Best Returns in Last 5 years
  • ICICI Prudential Technology Fund. To generate long-term capital appreciation for you from a portfolio made up predominantly of equity and equity-related securities of technology intensive companies. ...
  • TATA Digital India Fund. ...
  • Aditya Birla Sun Life Digital India Fund.
Jul 31, 2022

Which MF gives highest return? ›

Axis Bluechip Fund Direct Plan-Growth is an Equity Mutual Fund Scheme launched by Axis Mutual Fund and is the Highest Return Mutual Fund in Last 5 Years.

What are the top 5 performing mutual funds? ›

Best-performing U.S. equity mutual funds
TickerFund Name5-Year Return
USBOXPear Tree Quality Ordinary13.21%
SRFMXSarofim Equity13.17%
PRBLXParnassus Core Equity Investor13.16%
FITLXFidelity U.S. Sustainability Index12.95%
6 more rows

Which SIP is best for 5 years? ›

Best SIP for 5 Years
  • Canara Robeco Bluechip Equity Fund.
  • Baroda BNP Paribas Large Cap Fund for SIP.
  • UTI Nifty Index Fund for SIP.
  • HDFC Index Nifty 50 Fund for SIP.
  • Axis Bluechip Fund for SIP.
Jun 16, 2022

Which is safest mutual fund? ›

List of Best Low Risk Mutual Funds in India Ranked by Last 5 Year Returns
  • ICICI Prudential Regular Savings Fund. ...
  • ICICI Prudential Income Optimizer Fund (FOF) ...
  • L&T Balanced Advantage Fund. ...
  • Baroda BNP Paribas Conservative Hybrid Fund. ...
  • Motilal Oswal Dynamic Fund. ...
  • Franklin India Debt Hybrid Fund. ...
  • L&T Conservative Hybrid Fund.

Which MF is best to invest now? ›

Here is the list of top 10 schemes:
  • Axis Bluechip Fund.
  • Mirae Asset Large Cap Fund.
  • Parag Parikh Long Term Equity Fund.
  • UTI Flexi Cap Fund.
  • Axis Midcap Fund.
  • Kotak Emerging Equity Fund.
  • Axis Small Cap Fund.
  • SBI Small Cap Fund.
Dec 31, 2021

Which fund is best for long term? ›

Top Performing Long-Term Mutual Funds to Invest in 2022
Fund NameCategory3 Year Returns
Axis Bluechip FundLarge-Cap Equity23.50%
Mirae Asset Large Cap FundLarge-Cap Equity22.30%
Parag Parikh Flexi Cap fundDiversified31.40%
Invesco India Growth Opportunities FundDiversified19.9%
6 more rows

Which mutual fund is growing fast? ›

Fund House Fund Category Fund Rank and Ratios Fund Parameters Investment Parameters Filter
Scheme NamePlan1Y
PGIM India ELSS Tax Saver Fund - Direct Plan - GrowthDirect Plan7.71%
Quant Tax Plan - Direct Plan - GrowthDirect Plan10.44%
SBI Long Term Equity Fund - Direct Plan - GrowthDirect Plan6.91%
22 more rows

Which is best Bluechip fund? ›

  • IDBI India Top 100 Equity Fund.
  • Canara Robeco Bluechip Equity Fund.
  • Kotak Bluechip Fund.
  • ICICI Prudential Bluechip Fund.
  • SBI Bluechip Fund.
  • Nippon India Large Cap Fund.
  • IDFC Large Cap Fund.
  • Franklin India Bluechip Fund.
5 days ago

What are the 3 largest mutual fund companies? ›

BlackRock Funds top the list in terms of assets held by a single fund family, followed by other familiar names such as Vanguard, Charles Schwab, State Street Global Advisors, and Fidelity Investments.

Which fund has the highest 10 year return? ›

Equity Funds with Best Returns in a 10 Years
Equity Funds10-year Return
HDFC Equity Fund14.76%
Reliance Multi Cap Fund17.33%
Franklin India Prima Fund18.25%
ICICI Prudential Midcap Fund15.91%
4 more rows

What are the 4 types of mutual funds? ›

Most mutual funds fall into one of four main categories – money market funds, bond funds, stock funds, and target date funds.

Which SIP has highest return? ›

Best SIP Plans for the Year 2022
Fund NameMonthly Investment1 Year Returns
DSP Equity Fund500031.90%
Franklin India Focused Equity Fund500080.39%
HDFC Balance Advantage Fund500055.65%
ICICI Prudential Bluechip Fund500059.24%
6 more rows

How can I save 25 lakhs in 5 years? ›

For the time horizon of 5 years, you can look at investing in large, large & mid cap and flexi cap funds.
...
You may consider the following funds:
  1. HDFC / UTI Nifty Index Fund.
  2. Mirae Asset Large Cap Fund.
  3. Parag Parikh Flexicap Fund.
  4. UTI Flexi cap Fund.
  5. Canara Robeco Emerging Equities Fund.
  6. Kotak Equity Opportunities Fund.
Aug 11, 2021

Where can I invest 3000 per month? ›

  • SBI Bluechip Fund. This is one of the most popular fund houses in the large-cap category. ...
  • Nippon India Large Cap Fund Growth. ...
  • L & T Mid Cap Fund Growth. ...
  • HDFC Small Cap Fund. ...
  • L & T Emerging Business Fund Growth. ...
  • Aditya Birla Sunlife Growth. ...
  • DSP Equity Opportunities Fund. ...
  • Nippon India Equity Hybrid Fund.

Which mutual fund is risk free? ›

List of Low Risk Mutual Funds in India
Fund NameCategoryRisk
Mirae Asset Overnight FundDebtLow
Bank of India Overnight FundDebtLow
Invesco India Arbitrage FundHybridLow
Kotak Equity Arbitrage FundHybridLow
7 more rows

Is mutual fund tax free? ›

Dividends paid by equity mutual funds are tax free in the hands of the investor but the AMC pays dividend distribution tax (DDT) at the rate of 11.648%. Tax on debt mutual funds - The minimum holding period for short term capital gains in debt funds is 3 years.

Which type of mutual fund is less risky? ›

Debt funds are low risk mutual funds that invest in money market instruments, government bonds, etc. As a result, the risk associated with these instruments is lower. There are multiple schemes under the debt funds category. Some of which are liquid funds, dynamic bond funds, gilt funds, ultra-short-term funds, etc.

Which investment gives highest return in India? ›

8 best investment plans in India for high returns
  • Saving Account.
  • Liquid Funds.
  • Short-Term & Ultra Short-Term Funds.
  • Equity Linked Saving Schemes (ELSS)
  • Fixed Maturity Plans.
  • Treasury Bills.
  • Gold.

Which share is best for 1 year? ›

A detailed table with various parameters for Best Long term Stocks to buy
Sr No.COMPANY NAMEROE %
1Caplin Point Labs23.72
2Marico36.96
3Avanti Feeds13.15
4Tata Metaliks15.28
Jul 18, 2022

Is now a good time to invest in mutual funds? ›

So, if you're asking yourself if now is a good time to buy stocks, advisors say the answer is simple, no matter what's happening in the markets: Yes, as long as you're planning to invest for the long-term, are starting with small amounts invested through dollar-cost averaging and you're investing in highly diversified ...

Which mutual fund is best for 10 years? ›

What are the Best SIPs to Invest in for 10 Years?
  • Aditya Birla Sun Life Digital India Fund. ...
  • Franklin India Technology Fund. ...
  • ICICI Prudential Technology Fund. ...
  • PGIM India Global Agribusiness Offshore Fund. ...
  • SBI Technology Opportunities Fund. ...
  • TATA Digital India Fund.

Which is the best mutual fund to invest in 2021? ›

Top Performing Funds Of 2021
SchemeReturn (%)
Quant Small Cap Fund88.05
Quant Infrastructure Fund83.22
L&T Emerging Businesses Fund77.41
7 more rows

How do I choose the best mutual fund? ›

Here is a guide to mutual fund investment, you may consider while selecting mutual funds for investments.
  1. Goals. This is the basic. ...
  2. Risk. Risk comes from not knowing what you are getting into. ...
  3. Fund Performance. Fund performance matters. ...
  4. Expense Ratio. ...
  5. Entry And Exit Load. ...
  6. Taxes. ...
  7. Direct Plans.
May 13, 2022

What is the safest investment with highest return? ›

Here are the best low-risk investments in August 2022:
  • High-yield savings accounts.
  • Series I savings bonds.
  • Short-term certificates of deposit.
  • Money market funds.
  • Treasury bills, notes, bonds and TIPS.
  • Corporate bonds.
  • Dividend-paying stocks.
  • Preferred stocks.
Aug 1, 2022

Which mutual fund is best for long term? ›

Top Performing Long-Term Mutual Funds to Invest in 2022
Fund NameCategory3 Year Returns
Axis Bluechip FundLarge-Cap Equity23.50%
Mirae Asset Large Cap FundLarge-Cap Equity22.30%
Parag Parikh Flexi Cap fundDiversified31.40%
Invesco India Growth Opportunities FundDiversified19.9%
6 more rows

What is best time to invest in mutual funds? ›

There is no best time as such for investing in mutual funds. Individuals can make investments in mutual funds as and when they wish. But it is always better to catch the funds at a lower NAV rather than higher price. It will not only maximise your returns but also lead to higher wealth accumulation.

Which fund has the highest 10 year return? ›

Equity Funds with Best Returns in a 10 Years
Equity Funds10-year Return
HDFC Equity Fund14.76%
Reliance Multi Cap Fund17.33%
Franklin India Prima Fund18.25%
ICICI Prudential Midcap Fund15.91%
4 more rows

Which SIP has highest return? ›

Best SIP Plans for the Year 2022
Fund NameMonthly Investment1 Year Returns
DSP Equity Fund500031.90%
Franklin India Focused Equity Fund500080.39%
HDFC Balance Advantage Fund500055.65%
ICICI Prudential Bluechip Fund500059.24%
6 more rows

Which mutual fund is best for next 20 years? ›

Best Mutual Funds to Consider Investing For 20-25 Years
  • Aditya Birla Sun Life Tax Relief 96.
  • 2.Reliance Small Cap Fund.
  • L&T Midcap Fund.
  • Mirae Asset India Equity Fund.
  • Axis Midcap Fund.
Jun 22, 2022

Which is best MF for SIP? ›

List of Best SIP Funds in India Ranked by Last 5 Year Returns
  • Quant Active Fund. N.A. ...
  • Parag Parikh Flexi Cap Fund. Consistency. ...
  • PGIM India Flexi Cap Fund. Consistency. ...
  • Quant Large and Mid Cap Fund. ...
  • Mirae Asset Emerging Bluechip Fund. ...
  • Quant Focused Fund. ...
  • Edelweiss Large & Mid Cap Fund. ...
  • Canara Robeco Emerging Equities Fund.

Which mutual fund is best to invest for beginners? ›

List of Mutual Fund for Beginners in India Ranked by Last 5 Year Returns
  • SBI Equity Hybrid Fund. ...
  • Motilal Oswal Long Term Equity Fund. ...
  • EQUITY ELSS. ...
  • Sundaram Aggressive Hybrid Fund. ...
  • IDFC Balanced Advantage Fund. ...
  • DSP Dynamic Asset Allocation Fund. ...
  • Aditya Birla Sun Life Tax Relief 96 Fund. ...
  • Motilal Oswal Dynamic Fund.

How can I find a good mutual fund in India? ›

But,how to choose best mutual fund in India
  1. Avoid the rating trap.
  2. Look at the AUM of the fund.
  3. Identify you goals and understand your risk profile.
  4. Quality of securities.
  5. Consistency of performance.
  6. Expenses ratio.

Which is the best fund? ›

The table below shows the best equity funds:
Mutual fund5 Yr. Returns3 Yr. Returns
PGIM India Midcap Opportunities Fund Regular Growth22.23%36.71%
Quant Small Cap Fund Growth22.2%36.56%
Motilal Oswal Nasdaq 100 Fund of Fund Regular Growth--36.15%
Quant Infrastructure Fund - Direct Plan-Growth21.09%35.4%
6 more rows
Jul 4, 2022

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