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How to Choose Good Mutual Funds?

Updated on July 26, 2025 , 131 views

A mutual fund represents an investment vehicle wherein funds from numerous investors are consolidated into a single investment product. Subsequently, the fund directs these assets towards Investing in diverse assets, aligning with the fund's investment objectives.

Good mutual funds

The market offers many mutual fund varieties, which can be overwhelming for you due to the extensive range of available products. Nevertheless, you must acknowledge that no single scheme or group of schemes is universally suitable. The ideal mutual fund scheme for you aligns with your investment objectives and risk tolerance, among other factors. In this post, let's learn about good Mutual Funds and the factors you should consider when selecting a scheme.

What are the Top Mutual Funds?

Mutual funds encompass various types categorised by underlying assets, including gold, debt, or equity. These include hybrid, debt, and equity mutual funds, each with distinct objectives and risk profiles.

  • Identifying the most suitable mutual fund option depends on risk tolerance, investment horizon, and objectives.
  • Equity mutual funds emerge as the optimal choice for long-term investments.
  • Depending on individual risk appetite, investments can be diversified across sub-categories within equity mutual funds, such as large-cap, mid-cap, and Small cap funds.
  • When assessing a mutual fund's historical performance, it is crucial to consider multiple time frames.

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Various Categories of Mutual Funds

Here are the diverse Types of Mutual Funds:

  • Fixed Income Funds: These mutual funds invest in fixed-income securities, including short-term Bonds, long-term bonds, floating rate debt, and money market instruments.

  • Equity Funds: Equity Funds mainly invest in stocks and can be actively or passively managed.

  • Equity Linked Savings Schemes (ELSS): This close-ended equity mutual fund offers tax-saving benefits under Section 80C of the income tax Act while aiming for wealth accumulation.

  • Diversified Funds: You can diversify your investments across multiple sectors or industries with this type of mutual fund.

  • Gilt Funds: These funds allocate investments to government securities without default risk.

  • Index Funds: Investments in Index Funds mirror the performance of a stock market index.

  • Liquid Funds: These investment plans primarily allocate funds to short-term money market instruments featuring shorter maturity periods.

  • Debt-Oriented Hybrid Funds: Combining debt and equity investments, these funds offer a balanced approach.

  • Arbitrage Funds: Treated as equity plans for tax purposes, these funds invest in cash and derivatives markets.

What are the Investment Options Available in Mutual Funds?

Mutual fund schemes offer a range of convenient and flexible investment modes tailored to meet specific requirements, with the most popular being lump sum and Systematic Investment plan (SIP).

  • Lump Sum

Lump sum investment involves a single substantial investment made by an investor in any mutual fund scheme. However, spreading out investments over the entire financial year is advisable for optimal results. This strategy helps average the purchase cost and mitigate volatility, fostering financial discipline.

  • SIP

SIP entails investing a fixed amount regularly in a mutual fund scheme at predefined intervals. It operates akin to regular saving schemes like a Recurring deposit. Under SIP, investments are routinely made, such as weekly, monthly, or quarterly. For instance, if you plan to invest Rs. 1,20,000 in March as a lump sum, you would allocate Rs. 10,000 per month through an SIP. SIP is recommended for mutual fund investments, particularly equity-oriented funds, to alleviate stress and benefit from consistent investing.

How Does Taxation Work for Top Mutual Funds in India?

Here's a breakdown of how taxation is applied to mutual funds in India:

  • Mutual fund investments yield returns through capital gains and dividends.
  • Taxation on dividends is based on your current tax slab.
  • Capital gains tax varies depending on the investment duration and fund type.
  • Short-Term Capital Gains (STCG) on equity mutual funds are taxed at 15%.
  • Long-Term Capital Gains (LTCG) on equity mutual funds, redeemed after one year, are taxed at 10% for amounts exceeding Rs. 1 lakh.
  • STCG on Debt fund arises if fund units are sold within three years and are taxed according to your current tax slab.
  • LTCG on debt funds arise if fund units are sold after three years and are taxed at 20% post indexation.
  • Taxation on capital gains from hybrid mutual funds depends on the composition of underlying assets.
  • If at least 65% of the Hybrid Fund is invested in equities, gains are taxed similarly to equity funds.
  • If the allocation is below 65%, the hybrid fund is taxed like debt funds.

How do you Choose the Best-Performing Mutual Funds in India?

Several aspects play a crucial role in selecting the top-performing mutual funds in India:

  • Investment Horizon: Mutual funds typically fall into short-term and long-term categories. Choose for stocks and bonds with higher risk for short-term investments, offering potentially higher returns. For long-term investments, choose low-risk options with steady growth potential.

  • Financial goals: Define your financial objectives before investing to determine the most suitable fund category. Consider risk tolerance, liquidity needs, time horizon, and others to make informed decisions.

  • Fund Performance: Assess a fund's performance over at least five years to gauge its suitability for investment.

  • Fund Manager Experience: Prioritise funds managed by seasoned fund managers with extensive experience. Investing in such funds provides security as experienced managers can navigate various market conditions effectively.

  • Expense Ratio: Choose for funds with expense ratios below 1.00%, representing the cumulative expenses covering advertising costs, fund manager salaries, and other related expenses.

  • Risk Tolerance: Understand your risk tolerance levels to gain clarity on the expected returns from your investment.

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Principal Emerging Bluechip Fund Growth ₹183.316
↑ 2.03
₹3,1242.913.638.921.919.2
DSP BlackRock US Flexible Equity Fund Growth ₹65.1491
↑ 0.09
₹93525.15.722.817.51717.8
Franklin Asian Equity Fund Growth ₹31.6737
↓ -0.27
₹26314.812.114.67.94.414.4
Invesco India Growth Opportunities Fund Growth ₹101.11
↓ -0.80
₹7,88711.418.511.726.924.837.5
ICICI Prudential Banking and Financial Services Fund Growth ₹133.99
↓ -0.84
₹10,0882.915.11117.521.711.6
ICICI Prudential Long Term Plan Growth ₹37.2922
↑ 0.00
₹14,9521.64.99.28.36.78.2
HDFC Corporate Bond Fund Growth ₹32.8504
↓ 0.00
₹35,6861.64.89.186.38.6
Aditya Birla Sun Life Corporate Bond Fund Growth ₹113.898
↓ -0.01
₹28,6751.54.79.186.58.5
Axis Credit Risk Fund Growth ₹21.583
↑ 0.01
₹3672.14.997.76.98
HDFC Banking and PSU Debt Fund Growth ₹23.216
↑ 0.00
₹6,0941.74.88.87.56.17.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Dec 21

1. Principal Emerging Bluechip Fund

The primary objective of the Scheme is to achieve long-term capital appreciation by investing in equity & equity related instruments of mid cap & small cap companies.

Principal Emerging Bluechip Fund is a Equity - Large & Mid Cap fund was launched on 12 Nov 08. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 24.8% since its launch.  Ranked 1 in Large & Mid Cap category. .

Below is the key information for Principal Emerging Bluechip Fund

Principal Emerging Bluechip Fund
Growth
Launch Date 12 Nov 08
NAV (31 Dec 21) ₹183.316 ↑ 2.03   (1.12 %)
Net Assets (Cr) ₹3,124 on 30 Nov 21
Category Equity - Large & Mid Cap
AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating
Risk Moderately High
Expense Ratio 2.08
Sharpe Ratio 2.74
Information Ratio 0.22
Alpha Ratio 2.18
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-1 Years (1%),1 Years and above(NIL)
Sub Cat. Large & Mid Cap

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹16,780

Principal Emerging Bluechip Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520
Invest Now

Returns for Principal Emerging Bluechip Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

DurationReturns
1 Month 2.9%
3 Month 2.9%
6 Month 13.6%
1 Year 38.9%
3 Year 21.9%
5 Year 19.2%
10 Year
15 Year
Since launch 24.8%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for Principal Emerging Bluechip Fund
NameSinceTenure

Data below for Principal Emerging Bluechip Fund as on 30 Nov 21

Equity Sector Allocation
SectorValue
Asset Allocation
Asset ClassValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

2. DSP BlackRock US Flexible Equity Fund

The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of BGF – USFEF. The Scheme may, at the discretion of the Investment Manager also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or money market/liquid schemes of DSP BlackRock Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized. It shall be noted ‘similar overseas mutual fund schemes’ shall have investment objective, investment strategy and risk profile/consideration similar to those of BGF – USFEF.

DSP BlackRock US Flexible Equity Fund is a Equity - Global fund was launched on 3 Aug 12. It is a fund with High risk and has given a CAGR/Annualized return of 15.5% since its launch.  Ranked 3 in Global category.  Return for 2024 was 17.8% , 2023 was 22% and 2022 was -5.9% .

Below is the key information for DSP BlackRock US Flexible Equity Fund

DSP BlackRock US Flexible Equity Fund
Growth
Launch Date 3 Aug 12
NAV (25 Jul 25) ₹65.1491 ↑ 0.09   (0.15 %)
Net Assets (Cr) ₹935 on 30 Jun 25
Category Equity - Global
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk High
Expense Ratio 1.54
Sharpe Ratio 0.51
Information Ratio -0.49
Alpha Ratio -4.34
Min Investment 1,000
Min SIP Investment 500
Exit Load 0-12 Months (1%),12 Months and above(NIL)
Sub Cat. Global

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹14,201
30 Jun 22₹13,169
30 Jun 23₹15,997
30 Jun 24₹19,252
30 Jun 25₹22,416

DSP BlackRock US Flexible Equity Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689
Invest Now

Returns for DSP BlackRock US Flexible Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

DurationReturns
1 Month 4.2%
3 Month 25.1%
6 Month 5.7%
1 Year 22.8%
3 Year 17.5%
5 Year 17%
10 Year
15 Year
Since launch 15.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 17.8%
2023 22%
2022 -5.9%
2021 24.2%
2020 22.6%
2019 27.5%
2018 -1.1%
2017 15.5%
2016 9.8%
2015 2.5%
Fund Manager information for DSP BlackRock US Flexible Equity Fund
NameSinceTenure
Jay Kothari1 Mar 1312.34 Yr.

Data below for DSP BlackRock US Flexible Equity Fund as on 30 Jun 25

Equity Sector Allocation
SectorValue
Technology29.89%
Financial Services18.33%
Communication Services15.27%
Health Care11.49%
Consumer Cyclical8.28%
Industrials7.34%
Basic Materials3.19%
Energy2.87%
Asset Allocation
Asset ClassValue
Cash3.31%
Equity96.66%
Debt0.03%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
BGF US Flexible Equity I2
Investment Fund | -
99%₹925 Cr2,024,037
↓ -14,352
Treps / Reverse Repo Investments
CBLO/Reverse Repo | -
1%₹12 Cr
Net Receivables/Payables
CBLO | -
0%-₹2 Cr

3. Franklin Asian Equity Fund

An open-end diversified equity fund that seeks to provide medium to long term appreciation through investments primarily in Asian Companies / sectors (excluding Japan) with long term potential across market capitalisation.

Franklin Asian Equity Fund is a Equity - Global fund was launched on 16 Jan 08. It is a fund with High risk and has given a CAGR/Annualized return of 6.8% since its launch.  Ranked 1 in Global category.  Return for 2024 was 14.4% , 2023 was 0.7% and 2022 was -14.5% .

Below is the key information for Franklin Asian Equity Fund

Franklin Asian Equity Fund
Growth
Launch Date 16 Jan 08
NAV (25 Jul 25) ₹31.6737 ↓ -0.27   (-0.85 %)
Net Assets (Cr) ₹263 on 30 Jun 25
Category Equity - Global
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk High
Expense Ratio 2.5
Sharpe Ratio 0.42
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-3 Years (1%),3 Years and above(NIL)
Sub Cat. Global

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹13,356
30 Jun 22₹10,522
30 Jun 23₹10,567
30 Jun 24₹11,501
30 Jun 25₹12,768

Franklin Asian Equity Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹340,450.
Net Profit of ₹40,450
Invest Now

Returns for Franklin Asian Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

DurationReturns
1 Month 2.5%
3 Month 14.8%
6 Month 12.1%
1 Year 14.6%
3 Year 7.9%
5 Year 4.4%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
2024 14.4%
2023 0.7%
2022 -14.5%
2021 -5.9%
2020 25.8%
2019 28.2%
2018 -13.6%
2017 35.5%
2016 7.2%
2015 -4.6%
Fund Manager information for Franklin Asian Equity Fund
NameSinceTenure
Sandeep Manam18 Oct 213.7 Yr.
Shyam Sriram26 Sep 240.76 Yr.

Data below for Franklin Asian Equity Fund as on 30 Jun 25

Equity Sector Allocation
SectorValue
Technology25.02%
Consumer Cyclical24.16%
Financial Services23.12%
Industrials6.3%
Communication Services4.66%
Consumer Defensive4.46%
Health Care4.4%
Real Estate2.35%
Basic Materials1.93%
Utility1.34%
Asset Allocation
Asset ClassValue
Cash2.25%
Equity97.75%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Taiwan Semiconductor Manufacturing Co Ltd (Technology)
Equity, Since 31 Mar 09 | 2330
13%₹34 Cr111,000
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 24 | HDFCBANK
5%₹14 Cr68,247
↑ 3,997
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 24 | 532174
5%₹13 Cr87,497
Tencent Holdings Ltd (Communication Services)
Equity, Since 31 Jul 14 | 00700
5%₹12 Cr22,300
↑ 700
Alibaba Group Holding Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Dec 20 | 09988
3%₹8 Cr70,404
↑ 5,200
SK Hynix Inc (Technology)
Equity, Since 30 Jun 20 | 000660
3%₹8 Cr4,247
Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Jul 21 | 543320
3%₹8 Cr287,506
AIA Group Ltd (Financial Services)
Equity, Since 31 Mar 12 | 01299
3%₹7 Cr95,600
MediaTek Inc (Technology)
Equity, Since 31 Aug 20 | 2454
3%₹7 Cr19,000
↑ 4,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Mar 24 | LT
3%₹7 Cr18,306

4. Invesco India Growth Opportunities Fund

(Erstwhile Invesco India Growth Fund)

The investment objective of the Scheme is to generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities. However, there can be no assurance that the objectives of the scheme will be achieved.

Invesco India Growth Opportunities Fund is a Equity - Large & Mid Cap fund was launched on 9 Aug 07. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 13.7% since its launch.  Ranked 6 in Large & Mid Cap category.  Return for 2024 was 37.5% , 2023 was 31.6% and 2022 was -0.4% .

Below is the key information for Invesco India Growth Opportunities Fund

Invesco India Growth Opportunities Fund
Growth
Launch Date 9 Aug 07
NAV (28 Jul 25) ₹101.11 ↓ -0.80   (-0.79 %)
Net Assets (Cr) ₹7,887 on 30 Jun 25
Category Equity - Large & Mid Cap
AMC Invesco Asset Management (India) Private Ltd
Rating
Risk Moderately High
Expense Ratio 1.88
Sharpe Ratio 0.5
Information Ratio 1.03
Alpha Ratio 9.12
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-1 Years (1%),1 Years and above(NIL)
Sub Cat. Large & Mid Cap

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹15,219
30 Jun 22₹14,635
30 Jun 23₹18,351
30 Jun 24₹28,191
30 Jun 25₹32,577

Invesco India Growth Opportunities Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833
Invest Now

Returns for Invesco India Growth Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

DurationReturns
1 Month -0.6%
3 Month 11.4%
6 Month 18.5%
1 Year 11.7%
3 Year 26.9%
5 Year 24.8%
10 Year
15 Year
Since launch 13.7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 37.5%
2023 31.6%
2022 -0.4%
2021 29.7%
2020 13.3%
2019 10.7%
2018 -0.2%
2017 39.6%
2016 3.3%
2015 3.8%
Fund Manager information for Invesco India Growth Opportunities Fund
NameSinceTenure
Aditya Khemani9 Nov 231.64 Yr.
Amit Ganatra21 Jan 223.44 Yr.

Data below for Invesco India Growth Opportunities Fund as on 30 Jun 25

Equity Sector Allocation
SectorValue
Financial Services28.31%
Consumer Cyclical20.78%
Health Care16.54%
Industrials13.02%
Real Estate7.29%
Technology5.99%
Basic Materials4.12%
Communication Services1.84%
Asset Allocation
Asset ClassValue
Cash2.07%
Equity97.93%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Mar 24 | INDIGO
5%₹427 Cr714,831
↑ 51,673
Trent Ltd (Consumer Cyclical)
Equity, Since 28 Feb 22 | 500251
5%₹425 Cr683,586
BSE Ltd (Financial Services)
Equity, Since 31 Oct 23 | BSE
5%₹374 Cr1,348,341
Swiggy Ltd (Consumer Cyclical)
Equity, Since 30 Nov 24 | SWIGGY
5%₹357 Cr8,909,867
Prestige Estates Projects Ltd (Real Estate)
Equity, Since 31 Dec 23 | PRESTIGE
4%₹317 Cr1,914,877
Eternal Ltd (Consumer Cyclical)
Equity, Since 30 Jun 23 | 543320
4%₹316 Cr11,968,438
↑ 2,815,841
Cholamandalam Investment and Finance Co Ltd (Financial Services)
Equity, Since 28 Feb 23 | CHOLAFIN
4%₹313 Cr1,921,954
Max Healthcare Institute Ltd Ordinary Shares (Healthcare)
Equity, Since 30 Nov 22 | MAXHEALTH
4%₹295 Cr2,311,411
↑ 113,569
L&T Finance Ltd (Financial Services)
Equity, Since 30 Apr 24 | LTF
4%₹276 Cr13,404,597
JK Cement Ltd (Basic Materials)
Equity, Since 29 Feb 24 | JKCEMENT
3%₹253 Cr411,308

5. ICICI Prudential Banking and Financial Services Fund

ICICI Prudential Banking and Financial Services Fund is an Open-ended equity scheme that seeks to generate long-term capital appreciation to unitholders from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services. However, there can be no assurance that the investment objective of the Scheme will be realized.

ICICI Prudential Banking and Financial Services Fund is a Equity - Sectoral fund was launched on 22 Aug 08. It is a fund with High risk and has given a CAGR/Annualized return of 16.6% since its launch.  Return for 2024 was 11.6% , 2023 was 17.9% and 2022 was 11.9% .

Below is the key information for ICICI Prudential Banking and Financial Services Fund

ICICI Prudential Banking and Financial Services Fund
Growth
Launch Date 22 Aug 08
NAV (28 Jul 25) ₹133.99 ↓ -0.84   (-0.62 %)
Net Assets (Cr) ₹10,088 on 30 Jun 25
Category Equity - Sectoral
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk High
Expense Ratio 1.98
Sharpe Ratio 0.72
Information Ratio 0.11
Alpha Ratio -0.92
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-1 Years (1%),1 Years and above(NIL)
Sub Cat. Sectoral

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹17,087
30 Jun 22₹15,933
30 Jun 23₹20,873
30 Jun 24₹25,343
30 Jun 25₹29,116

ICICI Prudential Banking and Financial Services Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033
Invest Now

Returns for ICICI Prudential Banking and Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

DurationReturns
1 Month -2.1%
3 Month 2.9%
6 Month 15.1%
1 Year 11%
3 Year 17.5%
5 Year 21.7%
10 Year
15 Year
Since launch 16.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 11.6%
2023 17.9%
2022 11.9%
2021 23.5%
2020 -5.5%
2019 14.5%
2018 -0.4%
2017 45.1%
2016 21.1%
2015 -7.2%
Fund Manager information for ICICI Prudential Banking and Financial Services Fund
NameSinceTenure
Roshan Chutkey29 Jan 187.42 Yr.
Sharmila D’mello30 Jun 223.01 Yr.

Data below for ICICI Prudential Banking and Financial Services Fund as on 30 Jun 25

Equity Sector Allocation
SectorValue
Financial Services92.47%
Health Care0.81%
Industrials0.33%
Asset Allocation
Asset ClassValue
Cash6.39%
Equity93.61%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 08 | 532174
20%₹2,037 Cr14,088,220
↑ 726,600
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 08 | HDFCBANK
17%₹1,737 Cr8,680,861
↑ 20,493
Axis Bank Ltd (Financial Services)
Equity, Since 28 Feb 19 | 532215
9%₹862 Cr7,188,596
State Bank of India (Financial Services)
Equity, Since 31 Oct 08 | SBIN
8%₹778 Cr9,489,675
SBI Life Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 17 | SBILIFE
5%₹505 Cr2,744,980
↑ 279,361
ICICI Lombard General Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 19 | ICICIGI
3%₹347 Cr1,701,240
↑ 47,478
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jan 23 | KOTAKBANK
3%₹313 Cr1,448,500
HDFC Life Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 23 | HDFCLIFE
3%₹305 Cr3,744,946
Max Financial Services Ltd (Financial Services)
Equity, Since 31 Aug 19 | 500271
3%₹304 Cr1,848,226
↓ -54,477
IndusInd Bank Ltd (Financial Services)
Equity, Since 30 Apr 24 | INDUSINDBK
2%₹213 Cr2,445,009
↓ -1,784,000

6. ICICI Prudential Long Term Plan

To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximising income while maintaining the optimum balance of yield, safety and liquidity.

ICICI Prudential Long Term Plan is a Debt - Dynamic Bond fund was launched on 20 Jan 10. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.9% since its launch.  Ranked 1 in Dynamic Bond category.  Return for 2024 was 8.2% , 2023 was 7.6% and 2022 was 4.5% .

Below is the key information for ICICI Prudential Long Term Plan

ICICI Prudential Long Term Plan
Growth
Launch Date 20 Jan 10
NAV (28 Jul 25) ₹37.2922 ↑ 0.00   (0.00 %)
Net Assets (Cr) ₹14,952 on 30 Jun 25
Category Debt - Dynamic Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.36
Sharpe Ratio 1.66
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-1 Months (0.25%),1 Months and above(NIL)
Yield to Maturity 7.31%
Effective Maturity 7 Years 7 Months 6 Days
Modified Duration 2 Years 11 Months 19 Days
Sub Cat. Dynamic Bond

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,678
30 Jun 22₹10,917
30 Jun 23₹11,865
30 Jun 24₹12,742
30 Jun 25₹13,934

ICICI Prudential Long Term Plan SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for ICICI Prudential Long Term Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

DurationReturns
1 Month 0.7%
3 Month 1.6%
6 Month 4.9%
1 Year 9.2%
3 Year 8.3%
5 Year 6.7%
10 Year
15 Year
Since launch 8.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.2%
2023 7.6%
2022 4.5%
2021 4.3%
2020 11.8%
2019 10.2%
2018 6.2%
2017 5.1%
2016 16.9%
2015 5.7%
Fund Manager information for ICICI Prudential Long Term Plan
NameSinceTenure
Manish Banthia28 Sep 1212.76 Yr.
Nikhil Kabra22 Jan 241.44 Yr.

Data below for ICICI Prudential Long Term Plan as on 30 Jun 25

Asset Allocation
Asset ClassValue
Cash11.24%
Debt88.49%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate52.95%
Government40.87%
Cash Equivalent5.91%
Credit Quality
RatingValue
AA34.21%
AAA65.79%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.34% Govt Stock 2064
Sovereign Bonds | -
8%₹1,227 Cr118,212,000
LIC Housing Finance Ltd
Debentures | -
6%₹956 Cr94,000
7.09% Govt Stock 2054
Sovereign Bonds | -
5%₹709 Cr70,000,000
7.81% Govt Stock 2033
Sovereign Bonds | -
5%₹695 Cr66,848,050
6.9% Govt Stock 2065
Sovereign Bonds | -
5%₹688 Cr70,000,000
↑ 50,000,000
6.99% Govt Stock 2034
Sovereign Bonds | -
3%₹465 Cr45,460,800
Vedanta Limited
Debentures | -
3%₹403 Cr40,000
Maharashtra (Government of)
- | -
2%₹301 Cr30,000,000
↑ 30,000,000
Maharashtra (Government of)
- | -
2%₹301 Cr30,000,000
↑ 30,000,000
Maharashtra (Government of)
- | -
2%₹292 Cr29,159,500
↑ 29,159,500

7. HDFC Corporate Bond Fund

(Erstwhile HDFC Medium Term Opportunities Fund)

To generate regular income through investments in Debt/ Money Market Instruments and Government Securities with maturities not exceeding 60 months.

HDFC Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 29 Jun 10. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 8.2% since its launch.  Ranked 2 in Corporate Bond category.  Return for 2024 was 8.6% , 2023 was 7.2% and 2022 was 3.3% .

Below is the key information for HDFC Corporate Bond Fund

HDFC Corporate Bond Fund
Growth
Launch Date 29 Jun 10
NAV (28 Jul 25) ₹32.8504 ↓ 0.00   (0.00 %)
Net Assets (Cr) ₹35,686 on 30 Jun 25
Category Debt - Corporate Bond
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.59
Sharpe Ratio 1.57
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load NIL
Yield to Maturity 6.94%
Effective Maturity 6 Years 10 Months 20 Days
Modified Duration 4 Years 3 Months 14 Days
Sub Cat. Corporate Bond

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,575
30 Jun 22₹10,816
30 Jun 23₹11,616
30 Jun 24₹12,491
30 Jun 25₹13,655

HDFC Corporate Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for HDFC Corporate Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

DurationReturns
1 Month 0.7%
3 Month 1.6%
6 Month 4.8%
1 Year 9.1%
3 Year 8%
5 Year 6.3%
10 Year
15 Year
Since launch 8.2%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.6%
2023 7.2%
2022 3.3%
2021 3.9%
2020 11.8%
2019 10.3%
2018 6.5%
2017 6.5%
2016 10.6%
2015 8.6%
Fund Manager information for HDFC Corporate Bond Fund
NameSinceTenure
Anupam Joshi27 Oct 159.68 Yr.
Dhruv Muchhal22 Jun 232.03 Yr.

Data below for HDFC Corporate Bond Fund as on 30 Jun 25

Asset Allocation
Asset ClassValue
Cash2.75%
Debt96.98%
Other0.28%
Debt Sector Allocation
SectorValue
Corporate58.43%
Government38.55%
Cash Equivalent2.75%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.92% Govt Stock 2039
Sovereign Bonds | -
7%₹2,409 Cr235,000,000
↑ 11,500,000
Bajaj Finance Limited
Debentures | -
3%₹1,127 Cr112,500
7.81% Govt Stock 2033
Sovereign Bonds | -
3%₹925 Cr89,000,000
State Bank Of India
Debentures | -
2%₹804 Cr800
India (Republic of) 6.68%
Sovereign Bonds | -
2%₹753 Cr75,000,000
↑ 75,000,000
7.23% Govt Stock 2039
Sovereign Bonds | -
1%₹531 Cr50,500,000
↓ -39,500,000
HDFC Bank Limited
Debentures | -
1%₹519 Cr50,000
Small Industries Development Bank Of India
Debentures | -
1%₹511 Cr50,000
LIC Housing Finance Ltd
Debentures | -
1%₹510 Cr5,000
6.99% Govt Stock 2034
Sovereign Bonds | -
1%₹486 Cr47,500,000

8. Aditya Birla Sun Life Corporate Bond Fund

(Erstwhile Aditya Birla Sun Life Short Term Fund)

An Open-ended income scheme with the objective to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market securities.

Aditya Birla Sun Life Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 3 Mar 97. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 8.9% since its launch.  Ranked 1 in Corporate Bond category.  Return for 2024 was 8.5% , 2023 was 7.3% and 2022 was 4.1% .

Below is the key information for Aditya Birla Sun Life Corporate Bond Fund

Aditya Birla Sun Life Corporate Bond Fund
Growth
Launch Date 3 Mar 97
NAV (28 Jul 25) ₹113.898 ↓ -0.01   (-0.01 %)
Net Assets (Cr) ₹28,675 on 15 Jul 25
Category Debt - Corporate Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.5
Sharpe Ratio 1.66
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 6.94%
Effective Maturity 6 Years 11 Months 23 Days
Modified Duration 4 Years 5 Months 26 Days
Sub Cat. Corporate Bond

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,618
30 Jun 22₹10,926
30 Jun 23₹11,723
30 Jun 24₹12,614
30 Jun 25₹13,788

Aditya Birla Sun Life Corporate Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Aditya Birla Sun Life Corporate Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

DurationReturns
1 Month 0.7%
3 Month 1.5%
6 Month 4.7%
1 Year 9.1%
3 Year 8%
5 Year 6.5%
10 Year
15 Year
Since launch 8.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.5%
2023 7.3%
2022 4.1%
2021 4%
2020 11.9%
2019 9.6%
2018 7%
2017 6.5%
2016 10.2%
2015 8.9%
Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund
NameSinceTenure
Kaustubh Gupta12 Apr 214.22 Yr.

Data below for Aditya Birla Sun Life Corporate Bond Fund as on 15 Jul 25

Asset Allocation
Asset ClassValue
Cash2.72%
Debt97%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate60.25%
Government36.75%
Cash Equivalent2.72%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.92% Govt Stock 2039
Sovereign Bonds | -
9%₹2,703 Cr263,736,200
↑ 1,500,000
6.79% Govt Stock 2034
Sovereign Bonds | -
7%₹1,995 Cr194,000,000
↑ 5,000,000
National Bank For Agriculture And Rural Development
Debentures | -
4%₹1,134 Cr111,000
↑ 50,000
7.1% Govt Stock 2034
Sovereign Bonds | -
3%₹838 Cr80,161,700
↑ 5,500,000
Small Industries Development Bank Of India
Debentures | -
3%₹751 Cr74,550
7.34% Govt Stock 2064
Sovereign Bonds | -
2%₹696 Cr67,000,000
↓ -11,000,000
Small Industries Development Bank Of India
Debentures | -
2%₹604 Cr6,000
Jamnagar Utilities & Power Private Limited
Debentures | -
2%₹594 Cr59,000
Rec Limited
Debentures | -
2%₹589 Cr60,000
↑ 7,500
Bajaj Housing Finance Limited
Debentures | -
2%₹564 Cr55,000

9. Axis Credit Risk Fund

(Erstwhile Axis Fixed Income Opportunities Fund)

To generate stable returns by investing in debt & money market instruments across the yield curve & credit spectrum. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns

Axis Credit Risk Fund is a Debt - Credit Risk fund was launched on 15 Jul 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.2% since its launch.  Ranked 4 in Credit Risk category.  Return for 2024 was 8% , 2023 was 7% and 2022 was 4% .

Below is the key information for Axis Credit Risk Fund

Axis Credit Risk Fund
Growth
Launch Date 15 Jul 14
NAV (28 Jul 25) ₹21.583 ↑ 0.01   (0.07 %)
Net Assets (Cr) ₹367 on 30 Jun 25
Category Debt - Credit Risk
AMC Axis Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.58
Sharpe Ratio 2.51
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity 7.9%
Effective Maturity 2 Years 9 Months 11 Days
Modified Duration 2 Years 3 Months 4 Days
Sub Cat. Credit Risk

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,797
30 Jun 22₹11,187
30 Jun 23₹11,962
30 Jun 24₹12,818
30 Jun 25₹13,982

Axis Credit Risk Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Axis Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

DurationReturns
1 Month 0.7%
3 Month 2.1%
6 Month 4.9%
1 Year 9%
3 Year 7.7%
5 Year 6.9%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8%
2023 7%
2022 4%
2021 6%
2020 8.2%
2019 4.4%
2018 5.9%
2017 6.4%
2016 9.8%
2015 8.7%
Fund Manager information for Axis Credit Risk Fund
NameSinceTenure
Devang Shah15 Jul 1410.97 Yr.
Akhil Thakker9 Nov 213.64 Yr.

Data below for Axis Credit Risk Fund as on 30 Jun 25

Asset Allocation
Asset ClassValue
Cash6.52%
Equity0.43%
Debt92.58%
Other0.48%
Debt Sector Allocation
SectorValue
Corporate84.2%
Government8.37%
Cash Equivalent6.52%
Credit Quality
RatingValue
A10.9%
AA64.72%
AAA24.37%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Kohima-Mariani Transmission Limited
Debentures | -
5%₹20 Cr2,000
Birla Corporation Limited
Debentures | -
4%₹16 Cr230
Jubilant Bevco Limited
Debentures | -
4%₹15 Cr1,500
Aditya Birla Renewables Limited
Debentures | -
4%₹15 Cr1,500
Narayana Hrudayalaya Limited
Debentures | -
4%₹15 Cr1,500
Nirma Limited
Debentures | -
4%₹15 Cr1,500
Infopark Properties Limited
Debentures | -
4%₹15 Cr1,500
Altius Telecom Infrastructure Trust
Debentures | -
4%₹15 Cr1,500
Aditya Birla Real Estate Limited
Debentures | -
4%₹15 Cr1,500
Aditya Birla Digital Fashion Ventures Limited
Debentures | -
4%₹15 Cr1,500

10. HDFC Banking and PSU Debt Fund

To generate regular income through investments in debt and money market instruments consisting predominantly of securities issued by entities such as Scheduled Commercial Banks and Public Sector undertakings. There is no assurance that the investment objective of the Scheme will be realized.

HDFC Banking and PSU Debt Fund is a Debt - Banking & PSU Debt fund was launched on 26 Mar 14. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.7% since its launch.  Ranked 6 in Banking & PSU Debt category.  Return for 2024 was 7.9% , 2023 was 6.8% and 2022 was 3.3% .

Below is the key information for HDFC Banking and PSU Debt Fund

HDFC Banking and PSU Debt Fund
Growth
Launch Date 26 Mar 14
NAV (28 Jul 25) ₹23.216 ↑ 0.00   (0.02 %)
Net Assets (Cr) ₹6,094 on 30 Jun 25
Category Debt - Banking & PSU Debt
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.79
Sharpe Ratio 1.45
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load NIL
Yield to Maturity 6.82%
Effective Maturity 5 Years 4 Months 10 Days
Modified Duration 3 Years 8 Months 23 Days
Sub Cat. Banking & PSU Debt

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,603
30 Jun 22₹10,878
30 Jun 23₹11,592
30 Jun 24₹12,398
30 Jun 25₹13,520

HDFC Banking and PSU Debt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for HDFC Banking and PSU Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

DurationReturns
1 Month 0.6%
3 Month 1.7%
6 Month 4.8%
1 Year 8.8%
3 Year 7.5%
5 Year 6.1%
10 Year
15 Year
Since launch 7.7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.9%
2023 6.8%
2022 3.3%
2021 3.7%
2020 10.6%
2019 10.2%
2018 5.9%
2017 6.3%
2016 10.8%
2015 9.8%
Fund Manager information for HDFC Banking and PSU Debt Fund
NameSinceTenure
Anil Bamboli26 Mar 1411.27 Yr.
Dhruv Muchhal22 Jun 232.03 Yr.

Data below for HDFC Banking and PSU Debt Fund as on 30 Jun 25

Asset Allocation
Asset ClassValue
Cash3.79%
Debt95.92%
Other0.29%
Debt Sector Allocation
SectorValue
Corporate54.07%
Government41.85%
Cash Equivalent3.79%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Indian Railway Finance Corporation Limited
Debentures | -
5%₹283 Cr27,500
Small Industries Development Bank Of India
Debentures | -
4%₹227 Cr22,500
Indian Railway Finance Corporation Limited
Debentures | -
3%₹206 Cr20,000
7.18% Govt Stock 2033
Sovereign Bonds | -
3%₹199 Cr19,000,000
State Bank Of India
Debentures | -
3%₹176 Cr175
Rec Limited
Debentures | -
3%₹154 Cr1,500
Bajaj Housing Finance Limited
Debentures | -
3%₹153 Cr15,000
7.26% Govt Stock 2033
Sovereign Bonds | -
3%₹153 Cr14,500,000
↓ -2,500,000
Housing And Urban Development Corporation Limited
Debentures | -
3%₹152 Cr15,000
Housing And Urban Development Corporation Limited
Debentures | -
2%₹132 Cr1,250

Things to Keep in Mind Before Investing in Mutual Funds

Whether you're a novice or a trained mutual fund investor, there are a few things that you must consider before putting your money in the market, such as:

  • Different Mutual Fund Categories Have Different Risk

Note that the risk associated with each mutual fund category varies. It's not feasible to categorise a specific mutual fund category as high or low risk based on a universal scale or parameter. While equity mutual funds may appear to have a lower risk than direct equity investments, every mutual fund category carries its level of risk. Therefore, before investing in any mutual fund, assessing the riskometer associated with that particular fund is imperative. Each scheme is assigned a risk level, enabling you to understand the risks.

  • Direct Plans Yield Higher Returns

Another critical point is that direct plans boast lower Expense Ratios than regular plans, leading to superior returns. Some investors mistakenly believe that direct plans and regular plans of mutual fund schemes differ significantly. In reality, they represent plans for the same scheme. Consequently, fund house costs are lower, translating to reduced annual investor expenses.

  • Returns Can Vary Annually

Mutual fund returns are typically annualised, potentially misleading investors into expecting consistent annual returns. However, mutual fund returns are not linear and can fluctuate significantly. For instance, a scheme may yield +10% returns in one year and -2% returns in the next. Such variability necessitates preparation to handle fluctuations in annual returns.

  • Consistency in Returns is Key

Consistent returns are indicative of a robust fund, surpassing sporadic high-return funds. Consistency in performance is crucial for mitigating losses and increasing the likelihood of favourable returns over the long term. A consistent fund is better positioned to offset losses and deliver superior annualised returns.

  • SIPs Foster Investing Discipline

SIPs instil investing discipline by automating investments and leveraging market volatility. SIPs enable you to capitalise on market downturns by acquiring more units at lower prices, effectively reducing the overall investment cost. This strategy, known as Rupee Cost Averaging, facilitates long-term wealth accumulation.

  • Asset Allocation and Rebalancing are Essential

Diversification through Asset Allocation is essential to mitigate portfolio risk. Before investing, determine the allocation across asset classes like equities, gold, and debt. Additionally, periodic rebalancing is critical to maintain the desired asset allocation. Rebalancing involves adjusting the portfolio by booking profits from asset classes that have appreciated and reinvesting in underweighted asset classes, ensuring alignment with investment objectives.

How do we Ensure Healthy Returns from Mutual Fund Investments?

To ensure healthy returns from mutual fund investments, it is wise to consider the following guidelines:

  • Avoid initiating new Systematic Investment Plans (SIPs) for short-term gains. Instead, maintain SIPs for at least five years to realise substantial returns.
  • Refrain from halting existing SIPs during periods of low returns.
  • Select the growth option when investing in Mutual Funds to capitalise on increased returns through compounding.
  • Exercise caution when injecting lump sum into top-performing equity mutual funds during bullish market phases for short-term gains. It's important to recognise that market conditions can shift abruptly, potentially resulting in missed opportunities to exit the fund at a profit or even incurring losses. Therefore, consider investing lump sum amounts in equity mutual funds only aftermarket corrections from peak levels.

Wrapping Up

Choosing mutual funds involves a two-stage process: selecting the category and then choosing the scheme that aligns with one's goals and risk tolerance. Fund type, performance, AMC track record, and fund manager expertise should be carefully evaluated. It's also important to consider the scheme's operational fees, exit charges, and volatility. Also, you should consider the tax implications of long-term and short-term gains across all fund categories before deciding.

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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