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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 2024, 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 2024.
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Fund NAV Net Assets (Cr) 2024 (%) 2023 (%) 2022 (%) 2021 (%) 2020 (%) Motilal Oswal Midcap 30 Fund Growth ₹103.517
↑ 0.21 ₹30,401 57.1 41.7 10.7 55.8 9.3 LIC MF Infrastructure Fund Growth ₹50.5775
↑ 0.15 ₹1,005 47.8 44.4 7.9 46.6 -0.1 Motilal Oswal Long Term Equity Fund Growth ₹52.7429
↑ 0.38 ₹4,360 47.7 37 1.8 32.1 8.8 Motilal Oswal Multicap 35 Fund Growth ₹62.8928
↑ 0.15 ₹13,023 45.7 31 -3 15.3 10.3 Invesco India Mid Cap Fund Growth ₹180.24
↑ 0.62 ₹6,641 43.1 34.1 0.5 43.1 24.4 UTI Healthcare Fund Growth ₹283.115
↑ 0.36 ₹1,062 42.9 38.2 -12.3 19.1 67.4 SBI Healthcare Opportunities Fund Growth ₹425.443
↑ 3.19 ₹3,689 42.2 38.2 -6 20.1 65.8 TATA India Pharma & Healthcare Fund Growth ₹29.9037
↑ 0.14 ₹1,232 40.4 36.6 -8 19.1 64.4 IDBI Small Cap Fund Growth ₹30.4474
↑ 0.15 ₹576 40 33.4 2.4 64.7 19 L&T Midcap Fund Growth ₹393.352
↑ 1.51 ₹11,470 39.7 40 1.1 30.4 19 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Jun 25
Fund NAV Net Assets (Cr) 2024 (%) 2023 (%) 2022 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Credit Risk Fund Growth ₹22.3607
↑ 0.03 ₹993 11.9 6.9 7.1 7.8% 2Y 4M 2D 3Y 7M 13D IDFC Government Securities Fund - Investment Plan Growth ₹34.9344
↓ -0.05 ₹3,143 10.6 6.8 1.4 6.9% 11Y 10M 28D 28Y 22D Aditya Birla Sun Life Medium Term Plan Growth ₹39.941
↑ 0.01 ₹2,504 10.5 6.9 24.8 7.43% 3Y 7M 17D 4Y 10M 20D ICICI Prudential Long Term Bond Fund Growth ₹89.9648
↓ -0.05 ₹1,230 10.1 6.8 1.3 6.66% 7Y 2M 19D 18Y 9M 7D DSP BlackRock Government Securities Fund Growth ₹95.4022
↓ -0.10 ₹1,904 10.1 7.1 2.7 6.7% 10Y 5M 23D 27Y 9M 25D IDFC Dynamic Bond Fund Growth ₹33.6158
↓ -0.05 ₹2,864 10 6.4 1 6.9% 11Y 10M 28D 28Y 25D Axis Gilt Fund Growth ₹25.5555
↓ -0.03 ₹770 10 7.1 2.4 6.56% 8Y 5M 19D 19Y 9M 11D Invesco India Gilt Fund Growth ₹2,825.4
↓ -3.78 ₹636 10 6.6 2.3 6.7% 10Y 2M 23D 24Y 6M 7D DSP BlackRock Strategic Bond Fund Growth ₹3,356.81
↓ -3.14 ₹1,601 9.9 7.9 1.6 6.76% 10Y 4M 28D 26Y 3M Edelweiss Government Securities Fund Growth ₹24.502
↓ -0.04 ₹182 9.8 6.2 2.5 6.65% 10Y 2M 8D 23Y 11M 23D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Jun 25
Fund NAV Net Assets (Cr) 2024 (%) 2023 (%) 2022 (%) 2021 (%) 2020 (%) JM Equity Hybrid Fund Growth ₹123.073
↑ 0.04 ₹822 27 33.8 8.1 22.9 30.5 BOI AXA Mid and Small Cap Equity and Debt Fund Growth ₹38.58
↑ 0.12 ₹1,198 25.8 33.7 -4.8 54.5 31.1 L&T Equity Savings Fund Growth ₹32.8783
↑ 0.02 ₹655 24 17 2 16.1 10.8 L&T Hybrid Equity Fund Growth ₹55.5478
↑ 0.08 ₹5,396 22.7 24.3 -3.7 23.1 13.6 Kotak Equity Hybrid Fund Growth ₹62.794
↑ 0.15 ₹7,413 21.7 20.1 5 28.9 15.4 IDFC Hybrid Equity Fund Growth ₹25.835
↑ 0.08 ₹904 21 20.4 -1.1 30.8 13.9 UTI Multi Asset Fund Growth ₹74.7913
↑ 0.07 ₹5,659 20.7 29.1 4.4 11.8 13.1 Edelweiss Multi Asset Allocation Fund Growth ₹64.53
↑ 0.42 ₹2,749 20.2 25.4 5.3 27.1 12.7 UTI Hybrid Equity Fund Growth ₹409.361
↑ 1.12 ₹6,254 19.7 25.5 5.6 30.5 13.2 BNP Paribas Substantial Equity Hybrid Fund Growth ₹28.2371
↑ 0.11 ₹1,224 19.3 21 4.3 22.2 14.9 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Jun 25
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.