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Top 5 Best Equity SIP Funds to Invest

Updated on September 1, 2025 , 7707 views

If you want your investments to be favored in all Market conditions, then take your investments SIP way! Systematic Investment Plans (SIPs) are considered to be the most efficient ways of investing in Mutual Funds. And if you are planning to invest in equities, then SIPs are the best way to make longing returns. Best equity SIP funds can give you the desirable returns in the long-term to fulfill Financial goals. So, let’s see how SIP works, benefits of SIP investment, significant use of a sip calculator along with the best performing SIP funds for equity investments.

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Systematic Investing for Equity Mutual Funds

Ideally, when investors plan to invest in equities, they often doubt about the stability of returns. This is because they are linked to the market and are often exposed to Volatility. Thus, to balance such volatility and ensure long-term stable returns, SIPs are highly recommendable in equity investments. Historically, in bad market phase, it is noticed that investors who had taken the SIP route earned more stable returns than those who took the lump sum route. SIP’s investment is spread out over time, unlike a lump sum investment which takes place all at once. Therefore, your money in SIP starts growing each day (being invested in the stock market).

A systematic Investment plan is also widely considered to achieve long-term financial goals like Retirement planning, child’s education, purchase of a house/car or any other assets. Before we look at some more benefits of investing in a SIP, let's check some of the best equity SIP funds to invest.

Best SIP Plans for Equity Funds 2025

Best Large Cap Equity SIP Funds

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Nippon India Large Cap Fund Growth ₹90.9686
↑ 0.54
₹44,165 100 2.716.3119.323.418.2
SBI Bluechip Fund Growth ₹91.9136
↑ 0.46
₹53,030 500 1.513.2-0.113.918.412.5
ICICI Prudential Bluechip Fund Growth ₹109.96
↑ 0.46
₹71,788 100 214.1-0.218.12116.9
Aditya Birla Sun Life Frontline Equity Fund Growth ₹522.33
↑ 2.07
₹30,235 100 1.213.9-1.81518.815.6
Essel Large Cap Equity Fund Growth ₹30.7626
↑ 0.20
₹96 500 -8-14.5-2.6107
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryNippon India Large Cap FundSBI Bluechip FundICICI Prudential Bluechip FundAditya Birla Sun Life Frontline Equity FundEssel Large Cap Equity Fund
Point 1Lower mid AUM (₹44,165 Cr).Upper mid AUM (₹53,030 Cr).Highest AUM (₹71,788 Cr).Bottom quartile AUM (₹30,235 Cr).Bottom quartile AUM (₹96 Cr).
Point 2Established history (18+ yrs).Established history (19+ yrs).Established history (17+ yrs).Oldest track record among peers (23 yrs).Established history (13+ yrs).
Point 3Top rated.Rating: 4★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 23.45% (top quartile).5Y return: 18.36% (bottom quartile).5Y return: 20.96% (upper mid).5Y return: 18.84% (lower mid).5Y return: 7.00% (bottom quartile).
Point 63Y return: 19.28% (top quartile).3Y return: 13.86% (bottom quartile).3Y return: 18.10% (upper mid).3Y return: 14.99% (lower mid).3Y return: 10.00% (bottom quartile).
Point 71Y return: 1.03% (top quartile).1Y return: -0.06% (upper mid).1Y return: -0.18% (lower mid).1Y return: -1.79% (bottom quartile).1Y return: -2.56% (bottom quartile).
Point 8Alpha: 0.61 (bottom quartile).Alpha: 1.05 (lower mid).Alpha: 1.58 (top quartile).Alpha: 1.34 (upper mid).Alpha: -3.02 (bottom quartile).
Point 9Sharpe: -0.37 (bottom quartile).Sharpe: -0.34 (upper mid).Sharpe: -0.35 (lower mid).Sharpe: -0.38 (bottom quartile).Sharpe: 0.10 (top quartile).
Point 10Information ratio: 1.84 (top quartile).Information ratio: -0.12 (bottom quartile).Information ratio: 1.50 (upper mid).Information ratio: 0.80 (lower mid).Information ratio: -0.82 (bottom quartile).

Nippon India Large Cap Fund

  • Lower mid AUM (₹44,165 Cr).
  • Established history (18+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 23.45% (top quartile).
  • 3Y return: 19.28% (top quartile).
  • 1Y return: 1.03% (top quartile).
  • Alpha: 0.61 (bottom quartile).
  • Sharpe: -0.37 (bottom quartile).
  • Information ratio: 1.84 (top quartile).

SBI Bluechip Fund

  • Upper mid AUM (₹53,030 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 18.36% (bottom quartile).
  • 3Y return: 13.86% (bottom quartile).
  • 1Y return: -0.06% (upper mid).
  • Alpha: 1.05 (lower mid).
  • Sharpe: -0.34 (upper mid).
  • Information ratio: -0.12 (bottom quartile).

ICICI Prudential Bluechip Fund

  • Highest AUM (₹71,788 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 20.96% (upper mid).
  • 3Y return: 18.10% (upper mid).
  • 1Y return: -0.18% (lower mid).
  • Alpha: 1.58 (top quartile).
  • Sharpe: -0.35 (lower mid).
  • Information ratio: 1.50 (upper mid).

Aditya Birla Sun Life Frontline Equity Fund

  • Bottom quartile AUM (₹30,235 Cr).
  • Oldest track record among peers (23 yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 18.84% (lower mid).
  • 3Y return: 14.99% (lower mid).
  • 1Y return: -1.79% (bottom quartile).
  • Alpha: 1.34 (upper mid).
  • Sharpe: -0.38 (bottom quartile).
  • Information ratio: 0.80 (lower mid).

Essel Large Cap Equity Fund

  • Bottom quartile AUM (₹96 Cr).
  • Established history (13+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 7.00% (bottom quartile).
  • 3Y return: 10.00% (bottom quartile).
  • 1Y return: -2.56% (bottom quartile).
  • Alpha: -3.02 (bottom quartile).
  • Sharpe: 0.10 (top quartile).
  • Information ratio: -0.82 (bottom quartile).

Best Large & Mid Cap Equity SIP Funds

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Invesco India Growth Opportunities Fund Growth ₹101.36
↑ 0.90
₹8,007 100 5.524.57.224.923.937.5
Kotak Equity Opportunities Fund Growth ₹338.682
↑ 1.83
₹28,084 1,000 2.317-1.718.321.924.2
DSP Equity Opportunities Fund Growth ₹606.282
↑ 1.86
₹15,502 500 -0.213.2-519.321.823.9
SBI Large and Midcap Fund Growth ₹616.815
↑ 1.21
₹33,348 500 2.814.41.117.12318
Canara Robeco Emerging Equities Growth ₹259.96
↑ 1.32
₹25,551 1,000 318.7116.620.926.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryInvesco India Growth Opportunities FundKotak Equity Opportunities FundDSP Equity Opportunities FundSBI Large and Midcap FundCanara Robeco Emerging Equities
Point 1Bottom quartile AUM (₹8,007 Cr).Upper mid AUM (₹28,084 Cr).Bottom quartile AUM (₹15,502 Cr).Highest AUM (₹33,348 Cr).Lower mid AUM (₹25,551 Cr).
Point 2Established history (18+ yrs).Established history (21+ yrs).Oldest track record among peers (25 yrs).Established history (20+ yrs).Established history (20+ yrs).
Point 3Top rated.Rating: 5★ (upper mid).Rating: 5★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 23.92% (top quartile).5Y return: 21.92% (lower mid).5Y return: 21.75% (bottom quartile).5Y return: 22.96% (upper mid).5Y return: 20.88% (bottom quartile).
Point 63Y return: 24.89% (top quartile).3Y return: 18.32% (lower mid).3Y return: 19.35% (upper mid).3Y return: 17.06% (bottom quartile).3Y return: 16.64% (bottom quartile).
Point 71Y return: 7.24% (top quartile).1Y return: -1.66% (bottom quartile).1Y return: -4.98% (bottom quartile).1Y return: 1.08% (upper mid).1Y return: 1.01% (lower mid).
Point 8Alpha: 12.86 (top quartile).Alpha: -0.14 (bottom quartile).Alpha: -1.90 (bottom quartile).Alpha: 1.25 (lower mid).Alpha: 2.34 (upper mid).
Point 9Sharpe: 0.28 (top quartile).Sharpe: -0.40 (bottom quartile).Sharpe: -0.52 (bottom quartile).Sharpe: -0.29 (lower mid).Sharpe: -0.26 (upper mid).
Point 10Information ratio: 1.21 (top quartile).Information ratio: 0.06 (lower mid).Information ratio: 0.28 (upper mid).Information ratio: -0.12 (bottom quartile).Information ratio: -0.59 (bottom quartile).

Invesco India Growth Opportunities Fund

  • Bottom quartile AUM (₹8,007 Cr).
  • Established history (18+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 23.92% (top quartile).
  • 3Y return: 24.89% (top quartile).
  • 1Y return: 7.24% (top quartile).
  • Alpha: 12.86 (top quartile).
  • Sharpe: 0.28 (top quartile).
  • Information ratio: 1.21 (top quartile).

Kotak Equity Opportunities Fund

  • Upper mid AUM (₹28,084 Cr).
  • Established history (21+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 21.92% (lower mid).
  • 3Y return: 18.32% (lower mid).
  • 1Y return: -1.66% (bottom quartile).
  • Alpha: -0.14 (bottom quartile).
  • Sharpe: -0.40 (bottom quartile).
  • Information ratio: 0.06 (lower mid).

DSP Equity Opportunities Fund

  • Bottom quartile AUM (₹15,502 Cr).
  • Oldest track record among peers (25 yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 21.75% (bottom quartile).
  • 3Y return: 19.35% (upper mid).
  • 1Y return: -4.98% (bottom quartile).
  • Alpha: -1.90 (bottom quartile).
  • Sharpe: -0.52 (bottom quartile).
  • Information ratio: 0.28 (upper mid).

SBI Large and Midcap Fund

  • Highest AUM (₹33,348 Cr).
  • Established history (20+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 22.96% (upper mid).
  • 3Y return: 17.06% (bottom quartile).
  • 1Y return: 1.08% (upper mid).
  • Alpha: 1.25 (lower mid).
  • Sharpe: -0.29 (lower mid).
  • Information ratio: -0.12 (bottom quartile).

Canara Robeco Emerging Equities

  • Lower mid AUM (₹25,551 Cr).
  • Established history (20+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 20.88% (bottom quartile).
  • 3Y return: 16.64% (bottom quartile).
  • 1Y return: 1.01% (lower mid).
  • Alpha: 2.34 (upper mid).
  • Sharpe: -0.26 (upper mid).
  • Information ratio: -0.59 (bottom quartile).

Best Mid Cap Equity SIP Funds

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Kotak Emerging Equity Scheme Growth ₹136.663
↑ 0.61
₹57,375 1,000 5.524.61.521.127.333.6
Sundaram Mid Cap Fund Growth ₹1,386.3
↑ 7.39
₹12,596 100 2.621.1-0.422.725.932
Taurus Discovery (Midcap) Fund Growth ₹121.38
↑ 0.60
₹130 1,000 1.320.9-7.517.620.411.3
Motilal Oswal Midcap 30 Fund  Growth ₹105.258
↑ 0.85
₹33,609 500 5.918.41.728.633.457.1
HDFC Mid-Cap Opportunities Fund Growth ₹193.405
↑ 0.82
₹83,847 300 2.518.91.425.328.628.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryKotak Emerging Equity SchemeSundaram Mid Cap FundTaurus Discovery (Midcap) FundMotilal Oswal Midcap 30 Fund HDFC Mid-Cap Opportunities Fund
Point 1Upper mid AUM (₹57,375 Cr).Bottom quartile AUM (₹12,596 Cr).Bottom quartile AUM (₹130 Cr).Lower mid AUM (₹33,609 Cr).Highest AUM (₹83,847 Cr).
Point 2Established history (18+ yrs).Established history (23+ yrs).Oldest track record among peers (31 yrs).Established history (11+ yrs).Established history (18+ yrs).
Point 3Top rated.Rating: 4★ (upper mid).Rating: 4★ (lower mid).Rating: 3★ (bottom quartile).Rating: 3★ (bottom quartile).
Point 4Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 27.32% (lower mid).5Y return: 25.93% (bottom quartile).5Y return: 20.45% (bottom quartile).5Y return: 33.41% (top quartile).5Y return: 28.56% (upper mid).
Point 63Y return: 21.15% (bottom quartile).3Y return: 22.66% (lower mid).3Y return: 17.57% (bottom quartile).3Y return: 28.62% (top quartile).3Y return: 25.28% (upper mid).
Point 71Y return: 1.48% (upper mid).1Y return: -0.38% (bottom quartile).1Y return: -7.47% (bottom quartile).1Y return: 1.66% (top quartile).1Y return: 1.40% (lower mid).
Point 8Alpha: 4.96 (top quartile).Alpha: 3.17 (lower mid).Alpha: -6.42 (bottom quartile).Alpha: 3.70 (upper mid).Alpha: 2.03 (bottom quartile).
Point 9Sharpe: -0.09 (top quartile).Sharpe: -0.17 (lower mid).Sharpe: -0.66 (bottom quartile).Sharpe: -0.11 (upper mid).Sharpe: -0.21 (bottom quartile).
Point 10Information ratio: -0.29 (bottom quartile).Information ratio: 0.00 (lower mid).Information ratio: -1.11 (bottom quartile).Information ratio: 0.44 (upper mid).Information ratio: 0.76 (top quartile).

Kotak Emerging Equity Scheme

  • Upper mid AUM (₹57,375 Cr).
  • Established history (18+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 27.32% (lower mid).
  • 3Y return: 21.15% (bottom quartile).
  • 1Y return: 1.48% (upper mid).
  • Alpha: 4.96 (top quartile).
  • Sharpe: -0.09 (top quartile).
  • Information ratio: -0.29 (bottom quartile).

Sundaram Mid Cap Fund

  • Bottom quartile AUM (₹12,596 Cr).
  • Established history (23+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 25.93% (bottom quartile).
  • 3Y return: 22.66% (lower mid).
  • 1Y return: -0.38% (bottom quartile).
  • Alpha: 3.17 (lower mid).
  • Sharpe: -0.17 (lower mid).
  • Information ratio: 0.00 (lower mid).

Taurus Discovery (Midcap) Fund

  • Bottom quartile AUM (₹130 Cr).
  • Oldest track record among peers (31 yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 20.45% (bottom quartile).
  • 3Y return: 17.57% (bottom quartile).
  • 1Y return: -7.47% (bottom quartile).
  • Alpha: -6.42 (bottom quartile).
  • Sharpe: -0.66 (bottom quartile).
  • Information ratio: -1.11 (bottom quartile).

Motilal Oswal Midcap 30 Fund 

  • Lower mid AUM (₹33,609 Cr).
  • Established history (11+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 33.41% (top quartile).
  • 3Y return: 28.62% (top quartile).
  • 1Y return: 1.66% (top quartile).
  • Alpha: 3.70 (upper mid).
  • Sharpe: -0.11 (upper mid).
  • Information ratio: 0.44 (upper mid).

HDFC Mid-Cap Opportunities Fund

  • Highest AUM (₹83,847 Cr).
  • Established history (18+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 28.56% (upper mid).
  • 3Y return: 25.28% (upper mid).
  • 1Y return: 1.40% (lower mid).
  • Alpha: 2.03 (bottom quartile).
  • Sharpe: -0.21 (bottom quartile).
  • Information ratio: 0.76 (top quartile).

Best Small Cap Equity SIP Funds

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Aditya Birla Sun Life Small Cap Fund Growth ₹84.7168
↑ 0.66
₹5,011 1,000 0.122.5-5.817.323.321.5
SBI Small Cap Fund Growth ₹172.517
↑ 1.21
₹35,563 500 218.2-6.31524.224.1
HDFC Small Cap Fund Growth ₹142.389
↑ 0.08
₹36,353 300 4.826-0.323.430.120.4
DSP Small Cap Fund  Growth ₹197.356
↑ 0.38
₹17,005 500 1.325.7-2.320.427.325.6
Nippon India Small Cap Fund Growth ₹168.628
↑ 1.18
₹65,922 100 1.421.6-6.423.232.326.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryAditya Birla Sun Life Small Cap FundSBI Small Cap FundHDFC Small Cap FundDSP Small Cap Fund Nippon India Small Cap Fund
Point 1Bottom quartile AUM (₹5,011 Cr).Lower mid AUM (₹35,563 Cr).Upper mid AUM (₹36,353 Cr).Bottom quartile AUM (₹17,005 Cr).Highest AUM (₹65,922 Cr).
Point 2Oldest track record among peers (18 yrs).Established history (15+ yrs).Established history (17+ yrs).Established history (18+ yrs).Established history (14+ yrs).
Point 3Top rated.Rating: 5★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 23.34% (bottom quartile).5Y return: 24.20% (bottom quartile).5Y return: 30.14% (upper mid).5Y return: 27.28% (lower mid).5Y return: 32.32% (top quartile).
Point 63Y return: 17.32% (bottom quartile).3Y return: 15.04% (bottom quartile).3Y return: 23.42% (top quartile).3Y return: 20.43% (lower mid).3Y return: 23.20% (upper mid).
Point 71Y return: -5.83% (lower mid).1Y return: -6.33% (bottom quartile).1Y return: -0.26% (top quartile).1Y return: -2.28% (upper mid).1Y return: -6.43% (bottom quartile).
Point 8Alpha: 0.00 (top quartile).Alpha: 0.00 (upper mid).Alpha: 0.00 (lower mid).Alpha: 0.00 (bottom quartile).Alpha: -3.84 (bottom quartile).
Point 9Sharpe: -0.43 (lower mid).Sharpe: -0.63 (bottom quartile).Sharpe: -0.17 (upper mid).Sharpe: -0.06 (top quartile).Sharpe: -0.51 (bottom quartile).
Point 10Information ratio: 0.00 (top quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).Information ratio: 0.00 (bottom quartile).

Aditya Birla Sun Life Small Cap Fund

  • Bottom quartile AUM (₹5,011 Cr).
  • Oldest track record among peers (18 yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 23.34% (bottom quartile).
  • 3Y return: 17.32% (bottom quartile).
  • 1Y return: -5.83% (lower mid).
  • Alpha: 0.00 (top quartile).
  • Sharpe: -0.43 (lower mid).
  • Information ratio: 0.00 (top quartile).

SBI Small Cap Fund

  • Lower mid AUM (₹35,563 Cr).
  • Established history (15+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 24.20% (bottom quartile).
  • 3Y return: 15.04% (bottom quartile).
  • 1Y return: -6.33% (bottom quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: -0.63 (bottom quartile).
  • Information ratio: 0.00 (upper mid).

HDFC Small Cap Fund

  • Upper mid AUM (₹36,353 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 30.14% (upper mid).
  • 3Y return: 23.42% (top quartile).
  • 1Y return: -0.26% (top quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.17 (upper mid).
  • Information ratio: 0.00 (lower mid).

DSP Small Cap Fund 

  • Bottom quartile AUM (₹17,005 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 27.28% (lower mid).
  • 3Y return: 20.43% (lower mid).
  • 1Y return: -2.28% (upper mid).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: -0.06 (top quartile).
  • Information ratio: 0.00 (bottom quartile).

Nippon India Small Cap Fund

  • Highest AUM (₹65,922 Cr).
  • Established history (14+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 32.32% (top quartile).
  • 3Y return: 23.20% (upper mid).
  • 1Y return: -6.43% (bottom quartile).
  • Alpha: -3.84 (bottom quartile).
  • Sharpe: -0.51 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).

Best Multi Cap Equity SIP Funds

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Motilal Oswal Multicap 35 Fund Growth ₹62.6902
↑ 0.11
₹13,727 500 5.417.94.22319.645.7
Kotak Standard Multicap Fund Growth ₹84.092
↑ 0.49
₹53,293 500 117.2116.31916.5
Mirae Asset India Equity Fund  Growth ₹112.529
↑ 0.63
₹39,975 1,000 2.114.5-0.412.916.412.7
BNP Paribas Multi Cap Fund Growth ₹73.5154
↓ -0.01
₹588 300 -4.6-2.619.317.313.6
Bandhan Focused Equity Fund Growth ₹86.401
↑ 0.69
₹1,974 100 1.313.71.617.317.130.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryMotilal Oswal Multicap 35 FundKotak Standard Multicap FundMirae Asset India Equity Fund BNP Paribas Multi Cap FundBandhan Focused Equity Fund
Point 1Lower mid AUM (₹13,727 Cr).Highest AUM (₹53,293 Cr).Upper mid AUM (₹39,975 Cr).Bottom quartile AUM (₹588 Cr).Bottom quartile AUM (₹1,974 Cr).
Point 2Established history (11+ yrs).Established history (15+ yrs).Established history (17+ yrs).Oldest track record among peers (19 yrs).Established history (19+ yrs).
Point 3Top rated.Rating: 5★ (upper mid).Rating: 5★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 19.59% (top quartile).5Y return: 18.97% (upper mid).5Y return: 16.44% (bottom quartile).5Y return: 13.57% (bottom quartile).5Y return: 17.12% (lower mid).
Point 63Y return: 22.96% (top quartile).3Y return: 16.32% (bottom quartile).3Y return: 12.88% (bottom quartile).3Y return: 17.28% (lower mid).3Y return: 17.34% (upper mid).
Point 71Y return: 4.20% (upper mid).1Y return: 1.04% (bottom quartile).1Y return: -0.41% (bottom quartile).1Y return: 19.34% (top quartile).1Y return: 1.57% (lower mid).
Point 8Alpha: 10.18 (upper mid).Alpha: 2.01 (lower mid).Alpha: 1.71 (bottom quartile).Alpha: 0.00 (bottom quartile).Alpha: 10.39 (top quartile).
Point 9Sharpe: 0.11 (lower mid).Sharpe: -0.31 (bottom quartile).Sharpe: -0.35 (bottom quartile).Sharpe: 2.86 (top quartile).Sharpe: 0.24 (upper mid).
Point 10Information ratio: 0.80 (top quartile).Information ratio: 0.24 (lower mid).Information ratio: -0.36 (bottom quartile).Information ratio: 0.00 (bottom quartile).Information ratio: 0.29 (upper mid).

Motilal Oswal Multicap 35 Fund

  • Lower mid AUM (₹13,727 Cr).
  • Established history (11+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 19.59% (top quartile).
  • 3Y return: 22.96% (top quartile).
  • 1Y return: 4.20% (upper mid).
  • Alpha: 10.18 (upper mid).
  • Sharpe: 0.11 (lower mid).
  • Information ratio: 0.80 (top quartile).

Kotak Standard Multicap Fund

  • Highest AUM (₹53,293 Cr).
  • Established history (15+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 18.97% (upper mid).
  • 3Y return: 16.32% (bottom quartile).
  • 1Y return: 1.04% (bottom quartile).
  • Alpha: 2.01 (lower mid).
  • Sharpe: -0.31 (bottom quartile).
  • Information ratio: 0.24 (lower mid).

Mirae Asset India Equity Fund 

  • Upper mid AUM (₹39,975 Cr).
  • Established history (17+ yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 16.44% (bottom quartile).
  • 3Y return: 12.88% (bottom quartile).
  • 1Y return: -0.41% (bottom quartile).
  • Alpha: 1.71 (bottom quartile).
  • Sharpe: -0.35 (bottom quartile).
  • Information ratio: -0.36 (bottom quartile).

BNP Paribas Multi Cap Fund

  • Bottom quartile AUM (₹588 Cr).
  • Oldest track record among peers (19 yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 13.57% (bottom quartile).
  • 3Y return: 17.28% (lower mid).
  • 1Y return: 19.34% (top quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 2.86 (top quartile).
  • Information ratio: 0.00 (bottom quartile).

Bandhan Focused Equity Fund

  • Bottom quartile AUM (₹1,974 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 17.12% (lower mid).
  • 3Y return: 17.34% (upper mid).
  • 1Y return: 1.57% (lower mid).
  • Alpha: 10.39 (top quartile).
  • Sharpe: 0.24 (upper mid).
  • Information ratio: 0.29 (upper mid).

Best Sector Equity SIP Funds

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
ICICI Prudential Banking and Financial Services Fund Growth ₹130.88
↑ 0.60
₹9,930 100 -1.113.75.514.919.811.6
Aditya Birla Sun Life Banking And Financial Services Fund Growth ₹58.73
↑ 0.35
₹3,497 1,000 -213.92.714.319.78.7
Sundaram Rural and Consumption Fund Growth ₹100.262
↑ 0.82
₹1,576 100 4.916.6-0.616.519.120.1
Franklin Build India Fund Growth ₹140.275
↑ 0.67
₹2,950 500 1.518.8-427.231.627.8
DSP Natural Resources and New Energy Fund Growth ₹89.233
↑ 0.63
₹1,310 500 1.814.2-7.319.823.913.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryICICI Prudential Banking and Financial Services FundAditya Birla Sun Life Banking And Financial Services FundSundaram Rural and Consumption FundFranklin Build India FundDSP Natural Resources and New Energy Fund
Point 1Highest AUM (₹9,930 Cr).Upper mid AUM (₹3,497 Cr).Bottom quartile AUM (₹1,576 Cr).Lower mid AUM (₹2,950 Cr).Bottom quartile AUM (₹1,310 Cr).
Point 2Established history (17+ yrs).Established history (11+ yrs).Oldest track record among peers (19 yrs).Established history (16+ yrs).Established history (17+ yrs).
Point 3Top rated.Rating: 5★ (upper mid).Rating: 5★ (lower mid).Rating: 5★ (bottom quartile).Rating: 5★ (bottom quartile).
Point 4Risk profile: High.Risk profile: High.Risk profile: Moderately High.Risk profile: High.Risk profile: High.
Point 55Y return: 19.85% (lower mid).5Y return: 19.69% (bottom quartile).5Y return: 19.15% (bottom quartile).5Y return: 31.55% (top quartile).5Y return: 23.92% (upper mid).
Point 63Y return: 14.93% (bottom quartile).3Y return: 14.34% (bottom quartile).3Y return: 16.55% (lower mid).3Y return: 27.17% (top quartile).3Y return: 19.83% (upper mid).
Point 71Y return: 5.51% (top quartile).1Y return: 2.67% (upper mid).1Y return: -0.65% (lower mid).1Y return: -4.03% (bottom quartile).1Y return: -7.25% (bottom quartile).
Point 8Alpha: -3.35 (bottom quartile).Alpha: -8.11 (bottom quartile).Alpha: -0.72 (lower mid).Alpha: 0.00 (top quartile).Alpha: 0.00 (upper mid).
Point 9Sharpe: 0.37 (top quartile).Sharpe: 0.09 (upper mid).Sharpe: -0.27 (lower mid).Sharpe: -0.51 (bottom quartile).Sharpe: -0.82 (bottom quartile).
Point 10Information ratio: 0.18 (upper mid).Information ratio: 0.19 (top quartile).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).Information ratio: 0.00 (bottom quartile).

ICICI Prudential Banking and Financial Services Fund

  • Highest AUM (₹9,930 Cr).
  • Established history (17+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 19.85% (lower mid).
  • 3Y return: 14.93% (bottom quartile).
  • 1Y return: 5.51% (top quartile).
  • Alpha: -3.35 (bottom quartile).
  • Sharpe: 0.37 (top quartile).
  • Information ratio: 0.18 (upper mid).

Aditya Birla Sun Life Banking And Financial Services Fund

  • Upper mid AUM (₹3,497 Cr).
  • Established history (11+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: High.
  • 5Y return: 19.69% (bottom quartile).
  • 3Y return: 14.34% (bottom quartile).
  • 1Y return: 2.67% (upper mid).
  • Alpha: -8.11 (bottom quartile).
  • Sharpe: 0.09 (upper mid).
  • Information ratio: 0.19 (top quartile).

Sundaram Rural and Consumption Fund

  • Bottom quartile AUM (₹1,576 Cr).
  • Oldest track record among peers (19 yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 19.15% (bottom quartile).
  • 3Y return: 16.55% (lower mid).
  • 1Y return: -0.65% (lower mid).
  • Alpha: -0.72 (lower mid).
  • Sharpe: -0.27 (lower mid).
  • Information ratio: 0.00 (lower mid).

Franklin Build India Fund

  • Lower mid AUM (₹2,950 Cr).
  • Established history (16+ yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 31.55% (top quartile).
  • 3Y return: 27.17% (top quartile).
  • 1Y return: -4.03% (bottom quartile).
  • Alpha: 0.00 (top quartile).
  • Sharpe: -0.51 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).

DSP Natural Resources and New Energy Fund

  • Bottom quartile AUM (₹1,310 Cr).
  • Established history (17+ yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 23.92% (upper mid).
  • 3Y return: 19.83% (upper mid).
  • 1Y return: -7.25% (bottom quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: -0.82 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).

Best ELSS SIP Funds

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Tata India Tax Savings Fund Growth ₹43.5285
↑ 0.21
₹4,595 500 013.7-4.414.719.219.5
Bandhan Tax Advantage (ELSS) Fund Growth ₹150.537
↑ 0.79
₹6,974 500 1.412.9-4.915.122.613.1
Aditya Birla Sun Life Tax Relief '96 Growth ₹60.56
↑ 0.38
₹15,457 500 2.917.6-0.913.813.616.4
DSP Tax Saver Fund Growth ₹136.476
↑ 0.56
₹16,981 500 -0.712.4-4.118.822.523.9
HDFC Long Term Advantage Fund Growth ₹595.168
↑ 0.28
₹1,318 500 1.215.435.520.617.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryTata India Tax Savings FundBandhan Tax Advantage (ELSS) FundAditya Birla Sun Life Tax Relief '96DSP Tax Saver FundHDFC Long Term Advantage Fund
Point 1Bottom quartile AUM (₹4,595 Cr).Lower mid AUM (₹6,974 Cr).Upper mid AUM (₹15,457 Cr).Highest AUM (₹16,981 Cr).Bottom quartile AUM (₹1,318 Cr).
Point 2Established history (10+ yrs).Established history (16+ yrs).Established history (17+ yrs).Established history (18+ yrs).Oldest track record among peers (24 yrs).
Point 3Top rated.Rating: 5★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 3★ (bottom quartile).
Point 4Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 19.23% (lower mid).5Y return: 22.61% (top quartile).5Y return: 13.64% (bottom quartile).5Y return: 22.54% (upper mid).5Y return: 17.39% (bottom quartile).
Point 63Y return: 14.74% (bottom quartile).3Y return: 15.07% (lower mid).3Y return: 13.76% (bottom quartile).3Y return: 18.81% (upper mid).3Y return: 20.64% (top quartile).
Point 71Y return: -4.44% (bottom quartile).1Y return: -4.88% (bottom quartile).1Y return: -0.92% (upper mid).1Y return: -4.09% (lower mid).1Y return: 35.51% (top quartile).
Point 8Alpha: 0.24 (lower mid).Alpha: -3.48 (bottom quartile).Alpha: 1.19 (upper mid).Alpha: -0.09 (bottom quartile).Alpha: 1.75 (top quartile).
Point 9Sharpe: -0.42 (lower mid).Sharpe: -0.74 (bottom quartile).Sharpe: -0.36 (upper mid).Sharpe: -0.45 (bottom quartile).Sharpe: 2.27 (top quartile).
Point 10Information ratio: -0.22 (bottom quartile).Information ratio: -0.12 (upper mid).Information ratio: -0.94 (bottom quartile).Information ratio: 0.88 (top quartile).Information ratio: -0.15 (lower mid).

Tata India Tax Savings Fund

  • Bottom quartile AUM (₹4,595 Cr).
  • Established history (10+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 19.23% (lower mid).
  • 3Y return: 14.74% (bottom quartile).
  • 1Y return: -4.44% (bottom quartile).
  • Alpha: 0.24 (lower mid).
  • Sharpe: -0.42 (lower mid).
  • Information ratio: -0.22 (bottom quartile).

Bandhan Tax Advantage (ELSS) Fund

  • Lower mid AUM (₹6,974 Cr).
  • Established history (16+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 22.61% (top quartile).
  • 3Y return: 15.07% (lower mid).
  • 1Y return: -4.88% (bottom quartile).
  • Alpha: -3.48 (bottom quartile).
  • Sharpe: -0.74 (bottom quartile).
  • Information ratio: -0.12 (upper mid).

Aditya Birla Sun Life Tax Relief '96

  • Upper mid AUM (₹15,457 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 13.64% (bottom quartile).
  • 3Y return: 13.76% (bottom quartile).
  • 1Y return: -0.92% (upper mid).
  • Alpha: 1.19 (upper mid).
  • Sharpe: -0.36 (upper mid).
  • Information ratio: -0.94 (bottom quartile).

DSP Tax Saver Fund

  • Highest AUM (₹16,981 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 22.54% (upper mid).
  • 3Y return: 18.81% (upper mid).
  • 1Y return: -4.09% (lower mid).
  • Alpha: -0.09 (bottom quartile).
  • Sharpe: -0.45 (bottom quartile).
  • Information ratio: 0.88 (top quartile).

HDFC Long Term Advantage Fund

  • Bottom quartile AUM (₹1,318 Cr).
  • Oldest track record among peers (24 yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 17.39% (bottom quartile).
  • 3Y return: 20.64% (top quartile).
  • 1Y return: 35.51% (top quartile).
  • Alpha: 1.75 (top quartile).
  • Sharpe: 2.27 (top quartile).
  • Information ratio: -0.15 (lower mid).

Best Value Equity SIP Funds

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Tata Equity PE Fund Growth ₹340.689
↑ 1.94
₹8,608 150 0.713.3-9.518.420.921.7
JM Value Fund Growth ₹96.2229
↑ 0.45
₹1,062 500 -114.9-1323.725.225.1
HDFC Capital Builder Value Fund Growth ₹730.665
↑ 2.81
₹7,348 300 1.216-2.418.92220.7
Bandhan Sterling Value Fund Growth ₹145.541
↑ 0.69
₹9,964 100 0.711.3-6.51726.718
Templeton India Value Fund Growth ₹704.34
↑ 2.00
₹2,237 500 0.611.9-7.717.725.915.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryTata Equity PE FundJM Value FundHDFC Capital Builder Value FundBandhan Sterling Value FundTempleton India Value Fund
Point 1Upper mid AUM (₹8,608 Cr).Bottom quartile AUM (₹1,062 Cr).Lower mid AUM (₹7,348 Cr).Highest AUM (₹9,964 Cr).Bottom quartile AUM (₹2,237 Cr).
Point 2Established history (21+ yrs).Established history (28+ yrs).Oldest track record among peers (31 yrs).Established history (17+ yrs).Established history (29+ yrs).
Point 3Top rated.Rating: 4★ (upper mid).Rating: 3★ (lower mid).Rating: 3★ (bottom quartile).Rating: 3★ (bottom quartile).
Point 4Risk profile: Moderately High.Risk profile: High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 20.93% (bottom quartile).5Y return: 25.24% (lower mid).5Y return: 22.02% (bottom quartile).5Y return: 26.72% (top quartile).5Y return: 25.92% (upper mid).
Point 63Y return: 18.39% (lower mid).3Y return: 23.69% (top quartile).3Y return: 18.93% (upper mid).3Y return: 17.04% (bottom quartile).3Y return: 17.71% (bottom quartile).
Point 71Y return: -9.50% (bottom quartile).1Y return: -12.96% (bottom quartile).1Y return: -2.36% (top quartile).1Y return: -6.54% (upper mid).1Y return: -7.73% (lower mid).
Point 8Alpha: -5.15 (lower mid).Alpha: -8.41 (bottom quartile).Alpha: 1.74 (top quartile).Alpha: -4.74 (upper mid).Alpha: -6.86 (bottom quartile).
Point 9Sharpe: -0.76 (upper mid).Sharpe: -0.92 (bottom quartile).Sharpe: -0.32 (top quartile).Sharpe: -0.84 (lower mid).Sharpe: -0.95 (bottom quartile).
Point 10Information ratio: 1.12 (upper mid).Information ratio: 1.11 (lower mid).Information ratio: 1.34 (top quartile).Information ratio: 0.42 (bottom quartile).Information ratio: 0.71 (bottom quartile).

Tata Equity PE Fund

  • Upper mid AUM (₹8,608 Cr).
  • Established history (21+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 20.93% (bottom quartile).
  • 3Y return: 18.39% (lower mid).
  • 1Y return: -9.50% (bottom quartile).
  • Alpha: -5.15 (lower mid).
  • Sharpe: -0.76 (upper mid).
  • Information ratio: 1.12 (upper mid).

JM Value Fund

  • Bottom quartile AUM (₹1,062 Cr).
  • Established history (28+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: High.
  • 5Y return: 25.24% (lower mid).
  • 3Y return: 23.69% (top quartile).
  • 1Y return: -12.96% (bottom quartile).
  • Alpha: -8.41 (bottom quartile).
  • Sharpe: -0.92 (bottom quartile).
  • Information ratio: 1.11 (lower mid).

HDFC Capital Builder Value Fund

  • Lower mid AUM (₹7,348 Cr).
  • Oldest track record among peers (31 yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 22.02% (bottom quartile).
  • 3Y return: 18.93% (upper mid).
  • 1Y return: -2.36% (top quartile).
  • Alpha: 1.74 (top quartile).
  • Sharpe: -0.32 (top quartile).
  • Information ratio: 1.34 (top quartile).

Bandhan Sterling Value Fund

  • Highest AUM (₹9,964 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 26.72% (top quartile).
  • 3Y return: 17.04% (bottom quartile).
  • 1Y return: -6.54% (upper mid).
  • Alpha: -4.74 (upper mid).
  • Sharpe: -0.84 (lower mid).
  • Information ratio: 0.42 (bottom quartile).

Templeton India Value Fund

  • Bottom quartile AUM (₹2,237 Cr).
  • Established history (29+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 25.92% (upper mid).
  • 3Y return: 17.71% (bottom quartile).
  • 1Y return: -7.73% (lower mid).
  • Alpha: -6.86 (bottom quartile).
  • Sharpe: -0.95 (bottom quartile).
  • Information ratio: 0.71 (bottom quartile).

Best Focused Equity SIP Funds

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Axis Focused 25 Fund Growth ₹54.77
↑ 0.30
₹12,585 500 1.414.6-0.99.112.914.8
Aditya Birla Sun Life Focused Equity Fund Growth ₹139.421
↑ 0.28
₹7,731 1,000 0.312.4-1.915.218.218.7
Sundaram Select Focus Fund Growth ₹264.968
↓ -1.18
₹1,354 100 -58.524.51717.3
HDFC Focused 30 Fund Growth ₹231.97
↑ 1.66
₹21,456 300 3.614.9622.327.424
Franklin India Focused Equity Fund Growth ₹108.026
↑ 0.65
₹12,421 500 3.114.1-2.216.423.219.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryAxis Focused 25 FundAditya Birla Sun Life Focused Equity FundSundaram Select Focus FundHDFC Focused 30 FundFranklin India Focused Equity Fund
Point 1Upper mid AUM (₹12,585 Cr).Bottom quartile AUM (₹7,731 Cr).Bottom quartile AUM (₹1,354 Cr).Highest AUM (₹21,456 Cr).Lower mid AUM (₹12,421 Cr).
Point 2Established history (13+ yrs).Established history (19+ yrs).Oldest track record among peers (23 yrs).Established history (20+ yrs).Established history (18+ yrs).
Point 3Top rated.Rating: 4★ (upper mid).Rating: 3★ (lower mid).Rating: 3★ (bottom quartile).Rating: 3★ (bottom quartile).
Point 4Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 12.93% (bottom quartile).5Y return: 18.20% (lower mid).5Y return: 17.29% (bottom quartile).5Y return: 27.40% (top quartile).5Y return: 23.20% (upper mid).
Point 63Y return: 9.07% (bottom quartile).3Y return: 15.15% (bottom quartile).3Y return: 17.03% (upper mid).3Y return: 22.33% (top quartile).3Y return: 16.43% (lower mid).
Point 71Y return: -0.92% (lower mid).1Y return: -1.91% (bottom quartile).1Y return: 24.49% (top quartile).1Y return: 6.03% (upper mid).1Y return: -2.24% (bottom quartile).
Point 8Alpha: 3.17 (upper mid).Alpha: 0.31 (lower mid).Alpha: -5.62 (bottom quartile).Alpha: 4.74 (top quartile).Alpha: -0.18 (bottom quartile).
Point 9Sharpe: -0.23 (lower mid).Sharpe: -0.42 (bottom quartile).Sharpe: 1.85 (top quartile).Sharpe: 0.01 (upper mid).Sharpe: -0.43 (bottom quartile).
Point 10Information ratio: -1.12 (bottom quartile).Information ratio: -0.36 (lower mid).Information ratio: -0.52 (bottom quartile).Information ratio: 1.44 (top quartile).Information ratio: 0.15 (upper mid).

Axis Focused 25 Fund

  • Upper mid AUM (₹12,585 Cr).
  • Established history (13+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 12.93% (bottom quartile).
  • 3Y return: 9.07% (bottom quartile).
  • 1Y return: -0.92% (lower mid).
  • Alpha: 3.17 (upper mid).
  • Sharpe: -0.23 (lower mid).
  • Information ratio: -1.12 (bottom quartile).

Aditya Birla Sun Life Focused Equity Fund

  • Bottom quartile AUM (₹7,731 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 18.20% (lower mid).
  • 3Y return: 15.15% (bottom quartile).
  • 1Y return: -1.91% (bottom quartile).
  • Alpha: 0.31 (lower mid).
  • Sharpe: -0.42 (bottom quartile).
  • Information ratio: -0.36 (lower mid).

Sundaram Select Focus Fund

  • Bottom quartile AUM (₹1,354 Cr).
  • Oldest track record among peers (23 yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 17.29% (bottom quartile).
  • 3Y return: 17.03% (upper mid).
  • 1Y return: 24.49% (top quartile).
  • Alpha: -5.62 (bottom quartile).
  • Sharpe: 1.85 (top quartile).
  • Information ratio: -0.52 (bottom quartile).

HDFC Focused 30 Fund

  • Highest AUM (₹21,456 Cr).
  • Established history (20+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 27.40% (top quartile).
  • 3Y return: 22.33% (top quartile).
  • 1Y return: 6.03% (upper mid).
  • Alpha: 4.74 (top quartile).
  • Sharpe: 0.01 (upper mid).
  • Information ratio: 1.44 (top quartile).

Franklin India Focused Equity Fund

  • Lower mid AUM (₹12,421 Cr).
  • Established history (18+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 23.20% (upper mid).
  • 3Y return: 16.43% (lower mid).
  • 1Y return: -2.24% (bottom quartile).
  • Alpha: -0.18 (bottom quartile).
  • Sharpe: -0.43 (bottom quartile).
  • Information ratio: 0.15 (upper mid).

Taxation on Equity Funds

As per the Budget 2018 speech, a new Long Term Capital Gains (LTCG) tax on equity oriented Mutual Funds & stocks will be applicable from 1st April. The Finance Bill 2018 was passed by voice vote in Lok Sabha on 14th March 2018. Here’s how new income tax changes will impact the equity investments from 1st April 2018. *

1. Long Term Capital Gains

LTCGs exceeding INR 1 lakh arising from Redemption of Mutual Fund units or equities on or after 1st April 2018, will be taxed at 10 percent (plus cess) or at 10.4 percent. Long-term Capital Gains till INR 1 lakh will be exempt. For example, if you earn INR 3 lakhs in combined long-term capital gains from stocks or Mutual Fund investments in a financial year. The taxable LTCGs will be INR 2 lakh (INR 3 lakh - 1 lakh) and Tax Liability will be INR 20,000 (10 per cent of INR 2 lakh).

Long-term capital gains are the profit arising from selling or redemption of Equity Funds held more than a year.

2. Short Term Capital Gains

If Mutual Fund units are sold before one year of holding, Short Term Capital Gains (STCGs) tax will apply. The STCGs tax has been kept unchanged at 15 percent.

Equity Schemes Holding Period Tax Rate
Long Term Capital Gains (LTCG) More than 1 Year 10% (with no indexation)*****
Short Term Capital Gains (STCG) Less than or equal to a year 15%
Tax on Distributed Dividend - 10%#

*Gains up to INR 1 lakh are free of tax. Tax at 10% applies to gains above INR 1 lakh. Earlier rate was 0% cost calculated as closing price on Jan 31, 2018. #Dividend tax of 10% + Surcharge 12% + Cess 4% =11.648% Health & Education Cess of 4% introduced. Earlier, education Cess was 3%.

Benefits of SIP Investment

Some of the important Benefits of Systematic Investment Plans are:

Rupee Cost Averaging

One of the biggest advantages that a SIP offer is Rupee Cost Averaging, which helps an individual to average out the cost of an asset purchase. While making a lump sum investment in a mutual fund a certain number of units are purchased by the investor all at once, in the case of a SIP the purchase of units is done over a long period and these are spread out equally over monthly intervals (usually). Due to the investment being spread out over time, the investment is made into the stock market at different price points giving the investor the benefit of averaging cost, hence the term rupee cost averaging.

Power of Compounding

SIPs offer the benefit of the Power of Compounding. Simple interest is when you gain interest on only the principal. In the case of compound interest, the interest amount is added to the principal, and interest is calculated on the new principal (old principal plus gains). This process continues every time. Since the mutual funds in the SIP are in instalments, they are compounded, which adds more to the initially invested sum.

Affordability

SIPs are very affordable. The monthly minimum investment amount in SIP can be as low as INR 500. Some fund houses, even offer something called a “MicroSIP” where the ticket size is as low as INR 100. This gives a good option for young people to start their long-term investment at an early stage of life.

SIP Calculator

SIP calculator can be the most useful tool in your investment. It estimates the growth for your SIP investment till the time you would want to stay invested. So, before even Investing in a fund, one can predetermine their total SIP Earnings via SIP calculator. The calculators normally take inputs such as the SIP investment amount one seeks to invest, the tenure of investing, expected Inflation rates (one needs to account for this). The illustration of this is given below:

Let’s suppose, if you invest INR 5,000 for 10 years, see how your SIP investment grows-

  • Monthly Investment: INR 5,000

  • Investment Period: 10 years

  • Total Amount Invested: INR 6,00,000

  • Long-term Growth Rate (approx.): 14%

  • Expected Returns as per SIP calculator: INR 12,46,462

  • Net Profit: INR 6,46,462

SIP-Calculator

The above calculations show that if you invest INR 5,000 monthly for 10 years (a total of INR 6,00,000) you will earn INR 12,46,462 which means the net profit you make is INR 6,46,462. Isn’t it great!

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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