Table of Contents
Mutual Fund is an investment avenue that is formed when numerous individuals sharing the same idea come together and invest their money. The Mutual Fund scheme then invests in various financial instruments on behalf of these individuals and earns profit. There are various categories of Mutual Fund schemes that are designed to cater the diverse requirements of the individuals. The broad categories of Mutual fund schemes Equity Funds, Debt fund, and Hybrid Fund. In 2021, the performance of all scheme categories was good. The Mutual Funds were able to earn commensurate returns for their investors. So, let us look at the performance of these schemes for 2021.
Talk to our investment specialist
Fund NAV Net Assets (Cr) 2021 (%) 2020 (%) 2019 (%) 2018 (%) 2017 (%) L&T Emerging Businesses Fund Growth ₹42.004
↑ 0.92 ₹7,996 77.4 15.5 -8.1 -13.7 66.5 ICICI Prudential Technology Fund Growth ₹138.09
↑ 3.04 ₹8,742 75.7 70.6 2.3 19.1 19.8 TATA Digital India Fund Growth ₹32.2364
↑ 0.75 ₹5,894 74.4 54.8 7.5 24.9 19.6 Nippon India Small Cap Fund Growth ₹79.6993
↑ 2.06 ₹19,214 74.3 29.2 -2.5 -16.7 63 Kotak Small Cap Fund Growth ₹151.916
↑ 2.51 ₹7,236 70.9 34.2 5 -17.3 44 Aditya Birla Sun Life Digital India Fund Growth ₹117.82
↑ 2.75 ₹3,398 70.5 59 9.6 15.6 22.4 SBI Technology Opportunities Fund Growth ₹133.712
↑ 2.15 ₹2,633 66.4 47.3 12.2 17.1 13 HDFC Small Cap Fund Growth ₹67.45
↑ 1.93 ₹12,677 64.9 20.2 -9.5 -8.1 60.8 IDFC Infrastructure Fund Growth ₹22.31
↑ 0.45 ₹633 64.8 6.3 -5.3 -25.9 58.7 IDBI Small Cap Fund Growth ₹16.31
↑ 0.36 ₹135 64.7 19 -4.4 -15 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 May 22
Fund NAV Net Assets (Cr) 2021 (%) 2020 (%) 2019 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity UTI Credit Risk Fund Growth ₹13.7898
↑ 0.01 ₹524 21.5 -27.8 -4.8 6.28% 1Y 8M 5D 2Y 7M 13D Baroda Pioneer Credit Risk Fund Growth ₹17.5994
↑ 0.01 ₹205 19.2 2.4 2.1 6.59% 2Y 1M 17D 2Y 10M 2D Nippon India Strategic Debt Fund Growth ₹12.4432
↑ 0.01 ₹225 17.4 -23.5 -3.4 5.36% 2Y 2M 1D 2Y 6M 22D Franklin India Low Duration Fund Growth ₹32.2081
↑ 0.01 ₹50 16.7 1.6 5.2 0% 1Y 3M 13D IDBI Credit Risk Fund Growth ₹15.1315
↑ 0.01 ₹34 16.2 -3.5 -5.4 6.46% 2Y 7M 20D 3Y 11M 5D Franklin India Short Term Income Plan - Retail Plan Growth ₹4,670
↑ 11.57 ₹576 15 -5.3 4.2 0% 2Y 6M 12D Franklin India Dynamic Accrual Fund Growth ₹92.8661
↑ 0.11 ₹98 14.5 -1.7 6.3 0% 4Y 1M 4D Franklin India Credit Risk Fund Growth ₹23.5389
↑ 0.08 ₹336 13.8 -0.2 4 0% 4Y 6D Nippon India Credit Risk Fund Growth ₹27.5191
↑ 0.02 ₹1,155 13.5 -5.9 1.9 7.12% 1Y 10M 13D 2Y 3M 11D IDBI Short Term Bond Fund Growth ₹22.2206
↑ 0.00 ₹31 12.1 9.9 0.1 4.61% 1Y 3M 7D 1Y 7M 24D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 May 22
Fund NAV Net Assets (Cr) 2021 (%) 2020 (%) 2019 (%) 2018 (%) 2017 (%) BOI AXA Mid and Small Cap Equity and Debt Fund Growth ₹21.33
↑ 0.47 ₹367 54.5 31.1 -4.7 -14.2 47.1 ICICI Prudential Equity and Debt Fund Growth ₹219.87
↑ 4.66 ₹19,274 41.7 9 9.3 -1.9 24.8 ICICI Prudential Multi-Asset Fund Growth ₹428.654
↑ 6.67 ₹13,115 34.7 9.9 7.7 -2.2 28.2 IDFC Hybrid Equity Fund Growth ₹15.86
↑ 0.27 ₹579 30.8 13.9 4.7 -3.8 16.2 UTI Hybrid Equity Fund Growth ₹237.4
↑ 4.10 ₹4,279 30.5 13.2 2.5 -5.6 25.7 Kotak Equity Hybrid Fund Growth ₹38.048
↑ 0.57 ₹2,512 28.9 15.4 14.1 -6.2 23.2 Nippon India Equity Hybrid Fund Growth ₹62.8904
↑ 1.22 ₹3,150 27.8 -5.3 3 -4.9 29.5 Edelweiss Multi Asset Allocation Fund Growth ₹36.72
↑ 0.67 ₹188 27.1 12.7 10.4 -0.1 26.1 HDFC Balanced Advantage Fund Growth ₹282.081
↑ 5.22 ₹43,052 26.4 7.6 6.9 -3.1 27.9 HDFC Hybrid Equity Fund Growth ₹75.957
↑ 1.28 ₹18,442 25.7 13.4 7.5 -2.8 27.5 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 May 22
The process of selecting best mutual funds are as follows.
Investment Objective: Individuals do any investment to accomplish a particular objective. Therefore, it is important to decide why the investment is being done. Some of the objectives for which individuals invest in Mutual Funds are purchasing a house, purchasing a vehicle, Retirement planning, planning for marriage, and much more.
Tenure, Expected Returns, & Risk-Appetite: Once you determine the investment objective, the next step is to determine the tenure of the investment along with expected returns and risk-appetite. Individuals should decide the tenure till which they need to invest. Along with tenure, individuals should also check for expected returns and risk-appetite. Determining the three parameters will help you decide the type of scheme that you can choose to invest.
Check Details About Mutual Fund Scheme: After deciding the type of scheme to invest, individuals should understand about the scheme. People should check various aspects of the scheme such as the fund age, its AUM or asset size of the scheme, expense ratio, and fund performance. Along with these parameters, individuals should also check the credentials of the fund manager managing the scheme.
Check the Credentials of Fund House: Apart from assessing the details of Mutual Fund scheme, individuals should also check the credentials of the fund house or the Asset Management Company (AMC). It is because, it is the fund house that is responsible for managing the schemes. As a result, the fund house is also responsible for the performance of the scheme.
Review Your Investments Regularly: Just Investing is not enough. Individuals should not take a back seat after investing in Mutual Funds. They should review their investments regularly and in a timely manner so that they can earn maximum returns on their investments.