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How to Select Top & Best Mutual Fund?

Updated on October 16, 2019 , 1192 views

How to select the best Mutual Fund? This is the question every investor has in mind while Investing their money. Everyone spends time doing a lot of research to get the top performing mutual fund or the best mutual fund to invest in! It is simply the most common yet most difficult question to answer in the Mutual fund market. Simply put, selecting a best Mutual Fund or to rephrase, a top performing Mutual Fund is like selecting a right partner for any venture. Any wrong decision – on either side – can lead to catastrophic consequences.

One of the most common mistakes in selecting the best mutual fund, that even the seasoned investors do sometimes, is to solely rely on the Mutual Fund Rankings or ratings. It is not that that Mutual Fund ratings are misleading, but there is a lot of further research required. Relying on rankings must not be the sole criteria. One also needs to periodically review the investment made every three months to ensure it is monitored well. Also, if rebalancing is required than one can do this once a year unless otherwise urgently needed.

Before looking into the process of selecting the best Mutual Fund, let’s build our basics. This is an important step that many investors tend to miss out on.

Why are you Making a Mutual Fund Investment?

The first step towards any good investment is to know and understand why are you investing and what are you investing in. You should have a clear objective behind your mutual fund investment. This makes your future decisions easier.

Before investing, you should have a clear idea of your risk appetite. To know what is your risk taking capacity, you must do a Risk assessment or risk profiling. Risk assessment is important before investing as it gives you a clear picture of how much risk you can take. One can use various risk rating methodologies available on the internet or one can visit a financial advisor to do the same.

After undergoing risk profiling, one must turn their attention towards deciding the relevant Asset Allocation. You can decide the mix of assets like equity, debt and other asset classes depending on your risk taking capability. One should choose their asset allocation to match the level of risk they can take or lower than the risk they can take. This will ensure that there is no heartburn or sleepless nights later on. Your asset allocation can be either aggressive (more inclined towards investing in equity), moderate (balanced between equity & debt) or conservative (less investing in equity) depending on your risk profile.

Let’s take a look at a sample asset allocation-

Aggressive Moderate Conservative
** Annual Return (p.a.)** 15.7% 13.4% 10.8%
Equity 50% 35% 20%
Debt 30% 40% 40%
Gold 10% 10% 10%
Cash 10% 15% 30%
Total 100% 100% 100%

After completing your risk profiling and deciding the asset allocation, selecting the right product is the most important remaining task. Below are the factors that one needs to take into consideration on How to select best mutual fund.

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How to Select Best Mutual Funds?

As said earlier, selecting the best mutual fund only on the basis of their ratings may not be sufficient. There are other factors – quantitative and qualitative – that impact the process of selecting the best mutual fund. Let’s have a look at those factors.

Mutual Fund Ratings

Mutual Fund rankings help you in selecting some of the best Mutual Funds in the business at a given point in time. CRISIL, ICRA, MorningStar, etc. are some of the rating agencies. They evaluate a Mutual Fund scheme on various parameters and give out their results. These results help you narrow down your preferences and select the best Mutual Fund.

A thing to note here is that along with the rankings, it is wise to research on the Mutual Fund schemes’ past performances as well. This will only reduce your risk and enhance your returns. Best Performing Mutual Funds like Reliance Mutual Fund, SBI Mutual Fund, UTI Mutual Fund, and many others have been giving out decent to good results in the past.

Steps -to-Select-Best-Mutual-Fund

Expense Ratio

It is very important to check on entry/exit loads and expense ratios while looking for the best Mutual Fund to invest in. Many investors do not consider these recurring costs and suffer in the long run. You must check the expense ratio before investing. High expense ratios affect the schemes’ returns. Though the expense ratios are capped by SEBI, it is generally better to have low expense ratio scheme with high returns. However, always remember, the expense ratio is a relatively small portion, the returns generated or the extra returns generated by a good fund may totally supersede this. It would be penny wise and pound foolish to just select a fund on basis of expense ratio and later on miss out on returns by a good fund. Like with other factors, this needs to be viewed in conjunction with other factors such as ratings, returns etc and then will one be successful in selecting the best mutual fund.

Exit Load

Another thing to consider is the Exit Load. Different types of funds have variable exit loads depending on the nature of the investment. You might be charged with a higher percentage of exit load if you liquidate the scheme before the maturity period. This will obviously affect your Investment plan. This factor should be taken into consideration to match the investment tenor that one has. This will ensure that there are no exit loads incurring on the investment.

Fund Age

Investing in a fund which has atleast a three-year track record or more is a good idea. This minimum timeframe gives you some data points to actually evaluate the performance of the fund. A New Fund Offer(NFO), maybe recommended and good also, however, there is no track record to the performance of the Mutual Fund scheme. While getting into new products maybe a good idea at times, this should be limited to a small portion of the portfolio. When investing a large portion of the portfolio, a track record is a must for those products or schemes. For Equity Funds, a three-year track record is a bare minimum, for liquid and ultra-short term funds even a one-year track may suffice (however, this needs to be supplemented with many other factors).

Past Returns and Volatility

Most investors want to invest in the top performing Mutual Fund schemes in the current market scenario. While it may look like a good investment at the time, it may or may not be the best mutual fund or top performing mutual fund in the future. Have a look at the data below from 2011 to 2015 giving the top 5 performing equity funds for each year:

Top-5-best-equity-funds-from-2011-to-2015-by-returns

As you can see from the above table, apart from SBI Small & Midcap and BNP mid-cap, all the schemes are different for each year. This means the top performers of the year are not the top performers of the next year! This gives you an idea that what is best now may or may not be the best always in the future. So banking only on the returns while scouting for the best mutual funds is not always a wise move. So while investing, consider a fund that is consistent over a period and less volatile. Also, one should look at many other factors to select the best mutual fund to invest.

Now let’s look at some of the Qualitative Factors on how to select the best mutual fund.

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Reputation of the Asset Management Company

While one can look at many qualitative factors, one also needs to focus on the fund house offering the Mutual Fund scheme. A trusted asset management company with a good track record can help you invest smartly and wisely. A good AMC has a variety of investment schemes to provide you with good options for investing. One should look at the age of the fund house, the overall AUM, the track record of management, investment process of the fund house, the number of schemes on offer across categories and also, overall the number of top performing schemes across categories. So choosing a good AMC is also an important step towards choosing the best mutual fund.

Quantitative Factors Qualitative Factors
Performance Rating (Crisil, ValueResearch,etc) Fund Manager Track Record
Fund Age (3+ years) Fund House Reputation
Past Returns & Fund Volatility Investment Process
Expense Ratio
Exit Load

Fund Manager Track Record

The fund manager is the professional who handles your money after you invest in a scheme. So, it important to know who is handling your money. You should know their past record and should check whether their investment style suits you. One needs to look at how many years they have been managing money, their track record over the last 5 years (or more) and the number of schemes they manage. Some basic filters here will lead to getting good performing schemes.

Investment Process

Rather than relying on solely the performance of the fund manager, one should ensure that there is an investment process in place. You don't want to get into a product with key-man risk. If there is an institutionalised investment process in place, this will ensure the scheme is managed well. Even there is a fund manager change. then your investment will be protected.

Monitor & Review: Have a Disciplined Approach

If you will consider all the above factors, you might get a best Mutual Fund or top mutual fund for yourself. But to get the best out of that best Mutual Fund, you need to have a disciplined approach and monitor the investment or scheme. Markets are volatile and your investment may see its value going up & down. You must trust the research and efforts taken in selecting the Mutual Fund and avoid falling prey to short-term losses (especially in equity). Simply put, if you feel you have erred in selecting the best mutual fund, you should take action and change the fund. However, a change should not be done before giving adequate time to perform to the earlier "best mutual fund". One should do re-balancing, not before one year. Always remember, even the best of investors (even Warren Buffet) make investment mistakes, however, we should get more right decisions than wrong ones in the long run. This will ensure that our portfolio or even the best mutual funds perform over time.

Best Mutual Funds to Invest 2019 - 2020

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2018 (%)
Axis Focused 25 Fund Growth ₹29.91
↑ 0.15
₹7,8416.58.518.214.114.90.6
Aditya Birla Sun Life Banking And Financial Services Fund Growth ₹28.82
↑ 0.10
₹1,715-1.8-1.816.8916-2.4
ICICI Prudential Banking and Financial Services Fund Growth ₹63.17
↑ 0.36
₹3,102-5.5-4.316.710.814.7-0.4
Tata India Tax Savings Fund Growth ₹18.3856
↑ 0.13
₹1,8150.31.615.89.213.3-8.4
Tata Retirement Savings Fund - Progressive Growth ₹30.2192
↑ 0.20
₹6324.93.615.811.113.4-6.1
DSP BlackRock Equity Opportunities Fund Growth ₹226.963
↑ 2.41
₹5,1665.22.214.38.312.2-9.2
Motilal Oswal Multicap 35 Fund Growth ₹26.7012
↑ 0.20
₹12,6933.32.614.29.115.3-7.8
Kotak Standard Multicap Fund Growth ₹35.876
↑ 0.27
₹25,3851.30.514.11013-0.9
Kotak Equity Opportunities Fund Growth ₹119.665
↑ 1.32
₹2,4881.6-0.913.47.811.4-5.6
Invesco India Growth Opportunities Fund Growth ₹35.29
↑ 0.44
₹1,6595.62.213.311.812.1-0.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Oct 19

*Below is the detailed list of Top Mutual Funds based on past 3 year CAGR returns.

1. Reliance Us Equity Opportunites Fund

The primary investment objective of Reliance US Equity Opportunities Fund is to provide long term capital appreciation to investors by primarily investing in equity and equity related securities of companies listed on recognized stock exchanges in the US and the secondary objective is to generate consistent returns by investing in debt and money market securities in India. However, there can be no assurance or guarantee that the investment objective of the scheme will be achieved.

Reliance Us Equity Opportunites Fund is a Equity - Global fund was launched on 23 Jul 15. It is a fund with High risk and has given a CAGR/Annualized return of 12.4% since its launch.  Return for 2018 was 7.7% , 2017 was 16.9% and 2016 was 8.2% .

Below is the key information for Reliance Us Equity Opportunites Fund

Reliance Us Equity Opportunites Fund
Growth
Launch Date 23 Jul 15
NAV (17 Oct 19) ₹16.3835 ↑ 0.07   (0.41 %)
Net Assets (Cr) ₹52 on 31 Aug 19
Category Equity - Global
AMC Reliance Nippon Life Asset Management Ltd.
Rating Not Rated
Risk High
Expense Ratio 2.81
Sharpe Ratio 0.37
Information Ratio 0.07
Alpha Ratio 4.41
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 15₹9,403
30 Sep 16₹10,702
30 Sep 17₹12,340
30 Sep 18₹15,707
30 Sep 19₹16,223

Reliance Us Equity Opportunites Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047
Invest Now

Returns for Reliance Us Equity Opportunites Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Oct 19

DurationReturns
1 Month 0.2%
3 Month 2.1%
6 Month 7.5%
1 Year 9.8%
3 Year 17.1%
5 Year
10 Year
15 Year
Since launch 12.4%
Historical performance (Yearly) on absolute basis
YearReturns
2018 7.7%
2017 16.9%
2016 8.2%
2015
2014
2013
2012
2011
2010
2009
Fund Manager information for Reliance Us Equity Opportunites Fund
NameSinceTenure
Anju Chhajer23 Jul 154.19 Yr.
Kinjal Desai25 May 181.35 Yr.

Data below for Reliance Us Equity Opportunites Fund as on 31 Aug 19

Equity Sector Allocation
SectorValue
Consumer Cyclical30.19%
Technology23.96%
Health Care20.99%
Financial Services15.75%
Energy5.96%
Asset Allocation
Asset ClassValue
Cash3.15%
Equity96.85%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Triparty Repo
CBLO/Reverse Repo | -
8%₹4 Cr
IQVIA Holdings Inc (Healthcare)
Equity, Since 28 Feb 17 | IQV
7%₹4 Cr3,390
↑ 273
Mastercard Inc A (Financial Services)
Equity, Since 31 Jul 15 | MA
7%₹4 Cr1,798
↑ 155
Booking Holdings Inc (Consumer Cyclical)
Equity, Since 31 Jul 15 | BKNG
6%₹3 Cr231
↑ 22
O'Reilly Automotive Inc (Consumer Cyclical)
Equity, Since 30 Nov 17 | ORLY
6%₹3 Cr1,154
↑ 112
Microsoft Corp (Technology)
Equity, Since 30 Nov 18 | MSFT
6%₹3 Cr3,185
↑ 309
Lowe's Companies Inc (Consumer Cyclical)
Equity, Since 30 Sep 16 | LOW
6%₹3 Cr3,834
↑ 432
Facebook Inc A (Technology)
Equity, Since 31 Oct 16 | FB
6%₹3 Cr2,315
↑ 226
Enbridge Inc (Energy)
Equity, Since 31 Jan 18 | ENB
5%₹3 Cr11,656
↑ 1,258
Alphabet Inc A (Technology)
Equity, Since 31 Jul 15 | GOOGL
5%₹2 Cr291
↑ 36

2. ICICI Prudential US Bluechip Equity Fund

The investment objective of ICICI Prudential US Bluechip Equity Fund is to provide long term capital appreciation to investors by primarily investing in equity and equity related securities (including ADRs/GDRs issued by Indian and foreign companies) of companies listed on New York Stock Exchange and/or NASDAQ. However, there can be no assurance that the investment objective of the Scheme will be realized.

ICICI Prudential US Bluechip Equity Fund is a Equity - Global fund was launched on 6 Jul 12. It is a fund with High risk and has given a CAGR/Annualized return of 16% since its launch.  Ranked 7 in Global category.  Return for 2018 was 5.2% , 2017 was 14.1% and 2016 was 11.6% .

Below is the key information for ICICI Prudential US Bluechip Equity Fund

ICICI Prudential US Bluechip Equity Fund
Growth
Launch Date 6 Jul 12
NAV (17 Oct 19) ₹29.45 ↑ 0.10   (0.34 %)
Net Assets (Cr) ₹308 on 31 Aug 19
Category Equity - Global
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.31
Sharpe Ratio 0.15
Information Ratio -0.42
Alpha Ratio 1.25
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-3 Months (3%),3-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 14₹10,000
30 Sep 15₹9,894
30 Sep 16₹11,099
30 Sep 17₹12,744
30 Sep 18₹16,199
30 Sep 19₹16,910

ICICI Prudential US Bluechip 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 ₹415,684.
Net Profit of ₹115,684
Invest Now

Returns for ICICI Prudential US Bluechip 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 17 Oct 19

DurationReturns
1 Month -0.1%
3 Month 7.1%
6 Month 6%
1 Year 8.1%
3 Year 17%
5 Year 12.5%
10 Year
15 Year
Since launch 16%
Historical performance (Yearly) on absolute basis
YearReturns
2018 5.2%
2017 14.1%
2016 11.6%
2015 0.7%
2014 12.7%
2013 45.7%
2012
2011
2010
2009
Fund Manager information for ICICI Prudential US Bluechip Equity Fund
NameSinceTenure
Rohan Maru19 Sep 135.37 Yr.
Priyanka Khandelwal30 Jun 171.59 Yr.

Data below for ICICI Prudential US Bluechip Equity Fund as on 31 Aug 19

Equity Sector Allocation
SectorValue
Technology21.28%
Health Care14.68%
Consumer Defensive13.9%
Industrials13.63%
Consumer Cyclical12.7%
Financial Services10.62%
Utility2.64%
Communication Services2.04%
Energy1.7%
Asset Allocation
Asset ClassValue
Cash4.99%
Equity95.01%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Amazon.com Inc (Consumer Cyclical)
Equity, Since 30 Jun 16 | AMZN
5%₹14 Cr1,091
Net Current Assets
Net Current Assets | -
4%₹12 Cr
Kellogg Co (Consumer Defensive)
Equity, Since 31 Dec 18 | K
4%₹12 Cr26,185
Intel Corp (Technology)
Equity, Since 30 Sep 18 | INTC
3%₹10 Cr29,659
Philip Morris International Inc (Consumer Defensive)
Equity, Since 30 Jun 18 | PM
3%₹9 Cr17,768
Treps
CBLO/Reverse Repo | -
3%₹9 Cr
Caterpillar Inc (Industrials)
Equity, Since 31 Dec 18 | CAT
3%₹8 Cr9,886
Salesforce.com Inc (Technology)
Equity, Since 31 Dec 18 | CRM
3%₹8 Cr7,536
Microchip Technology Inc (Technology)
Equity, Since 31 Dec 17 | MCHP
3%₹8 Cr13,265
Medtronic PLC (Healthcare)
Equity, Since 31 Dec 16 | MDT
3%₹8 Cr10,526

3. TATA Digital India Fund

The investment objective of the scheme is to seek long term capital appreciation by investing atleast 80% of its net assets in equity/equity related instruments of the companies in Information Technology Sector in India.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.

TATA Digital India Fund is a Equity - Sectoral fund was launched on 28 Dec 15. It is a fund with High risk and has given a CAGR/Annualized return of 11.3% since its launch.  Return for 2018 was 24.9% , 2017 was 19.6% and 2016 was -6% .

Below is the key information for TATA Digital India Fund

TATA Digital India Fund
Growth
Launch Date 28 Dec 15
NAV (18 Oct 19) ₹15.0264 ↑ 0.12   (0.79 %)
Net Assets (Cr) ₹428 on 31 Aug 19
Category Equity - Sectoral
AMC Tata Asset Management Limited
Rating Not Rated
Risk High
Expense Ratio 2.05
Sharpe Ratio -0.39
Information Ratio -0.14
Alpha Ratio -7.24
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-3 Months (0.25%),3 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 16₹9,330
30 Sep 17₹9,585
30 Sep 18₹15,366
30 Sep 19₹15,028

TATA Digital India 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 TATA Digital India Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Oct 19

DurationReturns
1 Month -1.5%
3 Month -0.4%
6 Month -0.4%
1 Year 3.2%
3 Year 16.8%
5 Year
10 Year
15 Year
Since launch 11.3%
Historical performance (Yearly) on absolute basis
YearReturns
2018 24.9%
2017 19.6%
2016 -6%
2015
2014
2013
2012
2011
2010
2009
Fund Manager information for TATA Digital India Fund
NameSinceTenure
Sailesh Jain9 Nov 180.23 Yr.
Meeta Shetty9 Nov 180.23 Yr.

Data below for TATA Digital India Fund as on 31 Aug 19

Equity Sector Allocation
SectorValue
Technology94.81%
Asset Allocation
Asset ClassValue
Cash5.43%
Equity94.81%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Infosys Ltd (Technology)
Equity, Since 31 Jan 16 | INFY
34%₹141 Cr1,747,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Jan 16 | TCS
15%₹61 Cr290,000
Tech Mahindra Ltd (Technology)
Equity, Since 30 Apr 16 | 532755
10%₹41 Cr577,700
↑ 60,000
HCL Technologies Ltd (Technology)
Equity, Since 31 Jan 16 | HCLTECH
9%₹39 Cr363,000
↑ 113,000
(A) Treps
CBLO/Reverse Repo | -
5%₹21 Cr
Wipro Ltd (Technology)
Equity, Since 31 Jul 18 | 507685
5%₹21 Cr866,666
MindTree Ltd (Technology)
Equity, Since 31 Jul 19 | 532819
5%₹20 Cr285,000
↑ 65,000
Persistent Systems Ltd (Technology)
Equity, Since 31 Jan 16 | PERSISTENT
5%₹20 Cr351,200
Oracle Financial Services Software Ltd (Technology)
Equity, Since 31 Mar 16 | 532466
3%₹14 Cr45,400
L&T Technology Services Ltd (Technology)
Equity, Since 31 May 18 | LTTS
3%₹14 Cr90,000

4. HDFC Balanced Advantage Fund

(Erstwhile HDFC Growth Fund and HDFC Prudence Fund)

Aims to generate long term capital appreciation from a portfolio that is invested predominantly in equity and equity related instruments.

HDFC Balanced Advantage Fund is a Hybrid - Dynamic Allocation fund was launched on 11 Sep 00. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 17.2% since its launch.  Ranked 23 in Dynamic Allocation category. .

Below is the key information for HDFC Balanced Advantage Fund

HDFC Balanced Advantage Fund
Growth
Launch Date 11 Sep 00
NAV (05 Mar 19) ₹188.872 ↑ 2.91   (1.56 %)
Net Assets (Cr) ₹37,850 on 31 Jul 18
Category Hybrid - Dynamic Allocation
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 2.53
Sharpe Ratio 0.27
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 14₹10,000
30 Sep 15₹10,230
30 Sep 16₹11,669
30 Sep 17₹13,628

HDFC Balanced Advantage Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579
Invest Now

Returns for HDFC Balanced Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Oct 19

DurationReturns
1 Month 2.6%
3 Month 2.9%
6 Month -1.2%
1 Year 3.1%
3 Year 16.6%
5 Year 15.5%
10 Year
15 Year
Since launch 17.2%
Historical performance (Yearly) on absolute basis
YearReturns
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
Fund Manager information for HDFC Balanced Advantage Fund
NameSinceTenure

Data below for HDFC Balanced Advantage Fund as on 31 Jul 18

Asset Allocation
Asset ClassValue
Equity Sector Allocation
SectorValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

5. Aditya Birla Sun Life Digital India Fund

(Erstwhile Aditya Birla Sun Life New Millennium Fund)

A multi-sector open-ended growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of 100% equity, focusing on investing in technology and technology dependent companies, hardware, peripherals and components, software, telecom, media, internet and e-commerce and other technology enabled companies. The secondary objective is income generation and distribution of dividend.

Aditya Birla Sun Life Digital India Fund is a Equity - Sectoral fund was launched on 15 Jan 00. It is a fund with High risk and has given a CAGR/Annualized return of since its launch.  Ranked 33 in Sectoral category.  Return for 2018 was 15.6% , 2017 was 22.4% and 2016 was -3.5% .

Below is the key information for Aditya Birla Sun Life Digital India Fund

Aditya Birla Sun Life Digital India Fund
Growth
Launch Date 15 Jan 00
NAV (18 Oct 19) ₹54.45 ↑ 0.31   (0.57 %)
Net Assets (Cr) ₹453 on 31 Aug 19
Category Equity - Sectoral
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk High
Expense Ratio 3.1
Sharpe Ratio -0.69
Information Ratio 0.35
Alpha Ratio -5.69
Min Investment 1,000
Min SIP Investment 1,000
Exit Load 0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 14₹10,000
30 Sep 15₹11,029
30 Sep 16₹10,443
30 Sep 17₹11,240
30 Sep 18₹16,246
30 Sep 19₹16,649

Aditya Birla Sun Life Digital India Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518
Invest Now

Returns for Aditya Birla Sun Life Digital India Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Oct 19

DurationReturns
1 Month 0%
3 Month 2.6%
6 Month 2.5%
1 Year 5.3%
3 Year 16.1%
5 Year 11.7%
10 Year
15 Year
Since launch
Historical performance (Yearly) on absolute basis
YearReturns
2018 15.6%
2017 22.4%
2016 -3.5%
2015 11.2%
2014 21.1%
2013 50.2%
2012 3.7%
2011 -21.8%
2010 16.6%
2009 85.3%
Fund Manager information for Aditya Birla Sun Life Digital India Fund
NameSinceTenure
Kunal Sangoi15 Jan 145.38 Yr.

Data below for Aditya Birla Sun Life Digital India Fund as on 31 Aug 19

Equity Sector Allocation
SectorValue
Technology77.47%
Industrials8.14%
Consumer Cyclical6.94%
Communication Services6.23%
Asset Allocation
Asset ClassValue
Cash2.49%
Equity97.49%
Other0.02%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Infosys Ltd (Technology)
Equity, Since 30 Apr 05 | INFY
31%₹139 Cr1,705,000
↓ -210,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Apr 05 | TCS
13%₹59 Cr260,000
↑ 12,000
HCL Technologies Ltd (Technology)
Equity, Since 31 Dec 10 | HCLTECH
10%₹45 Cr408,000
↓ -7,000
Tech Mahindra Ltd (Technology)
Equity, Since 31 May 13 | 532755
10%₹45 Cr644,500
↓ -56,000
Honeywell Automation India Ltd (Industrials)
Equity, Since 30 Jun 18 | 517174
5%₹20 Cr8,238
Majesco Ltd (Technology)
Equity, Since 31 Jan 18 | 539289
3%₹14 Cr330,000
↑ 10,000
Sun TV Network Ltd (Consumer Cyclical)
Equity, Since 28 Feb 18 | 532733
3%₹13 Cr288,700
Persistent Systems Ltd (Technology)
Equity, Since 31 Jul 13 | PERSISTENT
2%₹11 Cr200,000
Apple Inc (Technology)
Equity, Since 30 Nov 18 | AAPL
2%₹11 Cr7,250
IndiaMART InterMESH Ltd (Technology)
Equity, Since 30 Jun 19 | 542726
2%₹10 Cr82,620

6. Franklin India Feeder - Franklin U S Opportunities Fund

The Fund seeks to provide capital appreciation by investing predominantly in units of Franklin U. S. Opportunities Fund, an overseas Franklin Templeton mutual fund, which primarily invests in securities in the United States of America.

Franklin India Feeder - Franklin U S Opportunities Fund is a Equity - Global fund was launched on 6 Feb 12. It is a fund with High risk and has given a CAGR/Annualized return of 16.3% since its launch.  Ranked 6 in Global category.  Return for 2018 was 6.5% , 2017 was 18.1% and 2016 was -0.8% .

Below is the key information for Franklin India Feeder - Franklin U S Opportunities Fund

Franklin India Feeder - Franklin U S Opportunities Fund
Growth
Launch Date 6 Feb 12
NAV (18 Oct 19) ₹31.8707 ↓ -0.36   (-1.10 %)
Net Assets (Cr) ₹955 on 31 Aug 19
Category Equity - Global
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk High
Expense Ratio 1.88
Sharpe Ratio 0.11
Information Ratio -0.08
Alpha Ratio 1.3
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-3 Years (1%),3 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 14₹10,000
30 Sep 15₹10,874
30 Sep 16₹11,450
30 Sep 17₹13,133
30 Sep 18₹17,984
30 Sep 19₹17,593

Franklin India Feeder - Franklin U S 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 ₹426,080.
Net Profit of ₹126,080
Invest Now

Returns for Franklin India Feeder - Franklin U S 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 17 Oct 19

DurationReturns
1 Month -2.6%
3 Month -2.6%
6 Month 2.7%
1 Year 2.7%
3 Year 16.1%
5 Year 13.4%
10 Year
15 Year
Since launch 16.3%
Historical performance (Yearly) on absolute basis
YearReturns
2018 6.5%
2017 18.1%
2016 -0.8%
2015 8.8%
2014 8.4%
2013 55.2%
2012
2011
2010
2009
Fund Manager information for Franklin India Feeder - Franklin U S Opportunities Fund
NameSinceTenure
Pyari Menon26 Sep 190 Yr.

Data below for Franklin India Feeder - Franklin U S Opportunities Fund as on 31 Aug 19

Equity Sector Allocation
SectorValue
Technology32.14%
Financial Services17.56%
Health Care13.26%
Consumer Cyclical10.63%
Industrials9.65%
Real Estate7.05%
Consumer Defensive3.39%
Communication Services0.97%
Basic Materials0.9%
Energy0.71%
Asset Allocation
Asset ClassValue
Cash0.48%
Equity96.27%
Other3.26%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Franklin US Opportunities I(acc)USD
Investment Fund | -
100%₹953 Cr2,769,331
↑ 39,182
Call, Cash & Other Assets
Receivables | -
0%₹2 Cr

7. Axis Bluechip Fund

(Erstwhile Axis Equity Fund)

To achieve long term capital appreciation by investing in a diversified portfolio predominantly consisting of equity and equity related securities of Large Cap companies including derivatives. However, there can be no assurance that the investment objective of the Scheme will be achieved.

Axis Bluechip Fund is a Equity - Large Cap fund was launched on 5 Jan 10. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 12.4% since its launch.  Ranked 58 in Large Cap category.  Return for 2018 was 6.5% , 2017 was 38% and 2016 was -3.6% .

Below is the key information for Axis Bluechip Fund

Axis Bluechip Fund
Growth
Launch Date 5 Jan 10
NAV (18 Oct 19) ₹31.41 ↑ 0.12   (0.38 %)
Net Assets (Cr) ₹7,005 on 31 Aug 19
Category Equity - Large Cap
AMC Axis Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 2.11
Sharpe Ratio -0.1
Information Ratio 0.47
Alpha Ratio 5.42
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 14₹10,000
30 Sep 15₹10,545
30 Sep 16₹11,421
30 Sep 17₹13,326
30 Sep 18₹14,910
30 Sep 19₹17,478

Axis 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 ₹415,684.
Net Profit of ₹115,684
Invest Now

Returns for Axis 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 17 Oct 19

DurationReturns
1 Month 8.9%
3 Month 6.7%
6 Month 10%
1 Year 24.5%
3 Year 15.5%
5 Year 12.4%
10 Year
15 Year
Since launch 12.4%
Historical performance (Yearly) on absolute basis
YearReturns
2018 6.5%
2017 38%
2016 -3.6%
2015 -1.2%
2014 40.8%
2013 13.5%
2012 31.7%
2011 -22.6%
2010
2009
Fund Manager information for Axis Bluechip Fund
NameSinceTenure
Shreyash Devalkar23 Nov 162.77 Yr.

Data below for Axis Bluechip Fund as on 31 Aug 19

Equity Sector Allocation
SectorValue
Financial Services40.76%
Technology12.15%
Consumer Defensive10.14%
Basic Materials7.42%
Energy3.97%
Consumer Cyclical2.99%
Industrials1.93%
Health Care1.02%
Communication Services0.22%
Asset Allocation
Asset ClassValue
Cash13%
Equity87%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Clearing Corporation Of India Ltd
CBLO | -
20%₹1,397 Cr
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Aug 11 | KOTAKBANK
9%₹630 Cr4,400,000
↑ 351,878
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 10 | HDFCBANK
8%₹555 Cr2,490,000
↑ 190,000
Net Receivables / (Payables)
Net Current Assets | -
8%-₹549 Cr
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | ICICIBANK
8%₹533 Cr13,000,000
↑ 2,322,000
Bajaj Finance Ltd (Financial Services)
Equity, Since 31 Jul 17 | 500034
7%₹520 Cr1,560,000
Infosys Ltd (Technology)
Equity, Since 31 Dec 17 | INFY
7%₹470 Cr5,770,000
↑ 650,000
Nifty 50 Index September 2019 Future
- | -
6%₹447 Cr404,475
↑ 404,475
Avenue Supermarts Ltd (Consumer Defensive)
Equity, Since 31 Mar 17 | 540376
5%₹342 Cr2,179,598
↑ 159,598
Tata Consultancy Services Ltd (Technology)
Equity, Since 28 Feb 18 | TCS
5%₹325 Cr1,440,000
↓ -230,000

8. SBI Banking & Financial Services Fund

The investment objective of the scheme is to generate long-term capital appreciation to unit holders 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.

SBI Banking & Financial Services Fund is a Equity - Sectoral fund was launched on 26 Feb 15. It is a fund with High risk and has given a CAGR/Annualized return of 14% since its launch.  Return for 2018 was 9.5% , 2017 was 40.7% and 2016 was 17% .

Below is the key information for SBI Banking & Financial Services Fund

SBI Banking & Financial Services Fund
Growth
Launch Date 26 Feb 15
NAV (18 Oct 19) ₹18.3752 ↑ 0.12   (0.63 %)
Net Assets (Cr) ₹1,015 on 31 Aug 19
Category Equity - Sectoral
AMC SBI Funds Management Private Limited
Rating Not Rated
Risk High
Expense Ratio 3.02
Sharpe Ratio -0.15
Information Ratio -0.5
Alpha Ratio -8.3
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 15₹9,151
30 Sep 16₹11,763
30 Sep 17₹14,484
30 Sep 18₹15,144
30 Sep 19₹18,341

SBI Banking & 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 ₹447,579.
Net Profit of ₹147,579
Invest Now

Returns for SBI Banking & 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 17 Oct 19

DurationReturns
1 Month 8.1%
3 Month -1.5%
6 Month 2.1%
1 Year 23%
3 Year 15.3%
5 Year
10 Year
15 Year
Since launch 14%
Historical performance (Yearly) on absolute basis
YearReturns
2018 9.5%
2017 40.7%
2016 17%
2015
2014
2013
2012
2011
2010
2009
Fund Manager information for SBI Banking & Financial Services Fund
NameSinceTenure
Sohini Andani26 Feb 154.43 Yr.
Milind Agrawal1 Aug 190 Yr.

Data below for SBI Banking & Financial Services Fund as on 31 Aug 19

Equity Sector Allocation
SectorValue
Financial Services95.92%
Asset Allocation
Asset ClassValue
Cash0.64%
Equity99.36%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 28 Feb 15 | HDFCBANK
23%₹235 Cr1,053,000
↑ 210,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 16 | ICICIBANK
14%₹141 Cr3,445,814
↑ 250,000
AU Small Finance Bank Ltd (Financial Services)
Equity, Since 31 Jul 17 | 540611
9%₹93 Cr1,378,045
↑ 700,000
State Bank of India (Financial Services)
Equity, Since 31 Jul 18 | SBIN
9%₹93 Cr3,385,000
↑ 1,000,000
Axis Bank Ltd (Financial Services)
Equity, Since 30 Jun 18 | 532215
9%₹92 Cr1,390,000
↑ 280,000
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Mar 15 | KOTAKBANK
8%₹82 Cr570,000
↑ 60,000
ICICI Prudential Life Insurance Co Ltd (Financial Services)
Equity, Since 31 Mar 19 | ICICIPRULI
5%₹51 Cr1,200,000
Cholamandalam Financial Holdings Ltd (Financial Services)
Equity, Since 31 Mar 19 | 504973
5%₹48 Cr1,068,355
↓ -338,729
Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 31 Aug 19 | HDFC
4%₹43 Cr200,000
↑ 200,000
Treps
CBLO/Reverse Repo | -
4%₹39 Cr

9. TATA India Consumer Fund

The investment objective of the scheme is to seek long term capital appreciation by investing atleast 80% of its assets in equity/equity related instruments of the companies in the Consumption Oriented sectors in India.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.

TATA India Consumer Fund is a Equity - Sectoral fund was launched on 28 Dec 15. It is a fund with High risk and has given a CAGR/Annualized return of 16% since its launch.  Return for 2018 was -2.1% , 2017 was 73.3% and 2016 was 3.1% .

Below is the key information for TATA India Consumer Fund

TATA India Consumer Fund
Growth
Launch Date 28 Dec 15
NAV (18 Oct 19) ₹17.5667 ↑ 0.19   (1.10 %)
Net Assets (Cr) ₹1,321 on 31 Aug 19
Category Equity - Sectoral
AMC Tata Asset Management Limited
Rating Not Rated
Risk High
Expense Ratio 2.09
Sharpe Ratio -1.18
Information Ratio 0.75
Alpha Ratio -5.99
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-18 Months (1%),18 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 16₹11,403
30 Sep 17₹15,498
30 Sep 18₹16,896
30 Sep 19₹17,121

TATA India Consumer Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710
Invest Now

Returns for TATA India Consumer Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Oct 19

DurationReturns
1 Month 8.7%
3 Month 9.4%
6 Month 2.9%
1 Year 6.1%
3 Year 14.8%
5 Year
10 Year
15 Year
Since launch 16%
Historical performance (Yearly) on absolute basis
YearReturns
2018 -2.1%
2017 73.3%
2016 3.1%
2015
2014
2013
2012
2011
2010
2009
Fund Manager information for TATA India Consumer Fund
NameSinceTenure
Sonam Udasi1 Apr 163 Yr.
Ennette Fernandes18 Jun 180.78 Yr.

Data below for TATA India Consumer Fund as on 31 Aug 19

Equity Sector Allocation
SectorValue
Consumer Defensive50.12%
Consumer Cyclical33.55%
Basic Materials5.89%
Industrials4.19%
Asset Allocation
Asset ClassValue
Cash6.29%
Equity93.85%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Hindustan Unilever Ltd (Consumer Defensive)
Equity, Since 30 Sep 17 | 500696
10%₹139 Cr700,000
↓ -60,000
ITC Ltd (Consumer Defensive)
Equity, Since 31 Jan 16 | ITC
10%₹137 Cr5,275,000
GlaxoSmithKline Consumer Healthcare Ltd (Consumer Defensive)
Equity, Since 31 Mar 18 | 500676
5%₹75 Cr87,800
Bata India Ltd (Consumer Cyclical)
Equity, Since 28 Feb 17 | 500043
5%₹72 Cr416,000
↓ -50,000
Jubilant Foodworks Ltd (Consumer Cyclical)
Equity, Since 31 Jan 18 | JUBLFOOD
5%₹67 Cr490,000
United Spirits Ltd (Consumer Defensive)
Equity, Since 30 Nov 18 | 532432
5%₹64 Cr955,000
Nestle India Ltd (Consumer Defensive)
Equity, Since 31 Aug 17 | NESTLEIND
4%₹59 Cr42,500
↓ -3,500
Dabur India Ltd (Consumer Defensive)
Equity, Since 31 Oct 17 | 500096
4%₹57 Cr1,275,000
↓ -250,000
Titan Co Ltd (Consumer Cyclical)
Equity, Since 31 Jan 19 | TITAN
4%₹57 Cr447,000
Future Retail Ltd (Consumer Cyclical)
Equity, Since 31 Oct 16 | FRETAIL
4%₹57 Cr1,485,000

10. TATA Banking and Financial Services Fund

The investment objective of the scheme is to seek long term capital appreciation by investing atleast 80% of its net assets in equity/equity related instruments of the companies in the Banking and Financial Services sector in India.

TATA Banking and Financial Services Fund is a Equity - Sectoral fund was launched on 28 Dec 15. It is a fund with High risk and has given a CAGR/Annualized return of 19.8% since its launch.  Return for 2018 was -0.1% , 2017 was 45% and 2016 was 17.8% .

Below is the key information for TATA Banking and Financial Services Fund

TATA Banking and Financial Services Fund
Growth
Launch Date 28 Dec 15
NAV (18 Oct 19) ₹19.8967 ↑ 0.07   (0.34 %)
Net Assets (Cr) ₹337 on 31 Aug 19
Category Equity - Sectoral
AMC Tata Asset Management Limited
Rating Not Rated
Risk High
Expense Ratio 2.5
Sharpe Ratio 0.04
Information Ratio -0.45
Alpha Ratio -4.18
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-3 Months (0.25%),3 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 16₹12,939
30 Sep 17₹16,993
30 Sep 18₹15,820
30 Sep 19₹19,683

TATA 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 ₹436,710.
Net Profit of ₹136,710
Invest Now

Returns for TATA 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 17 Oct 19

DurationReturns
1 Month 9.2%
3 Month 1.4%
6 Month 6.2%
1 Year 27.6%
3 Year 14.6%
5 Year
10 Year
15 Year
Since launch 19.8%
Historical performance (Yearly) on absolute basis
YearReturns
2018 -0.1%
2017 45%
2016 17.8%
2015
2014
2013
2012
2011
2010
2009
Fund Manager information for TATA Banking and Financial Services Fund
NameSinceTenure
Sonam Udasi1 Apr 162.84 Yr.
Amey Sathe18 Jun 180.62 Yr.

Data below for TATA Banking and Financial Services Fund as on 31 Aug 19

Equity Sector Allocation
SectorValue
Financial Services94.19%
Asset Allocation
Asset ClassValue
Cash2.22%
Equity98.54%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 16 | HDFCBANK
21%₹71 Cr319,000
↑ 9,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK
14%₹48 Cr1,163,000
↑ 76,000
Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 31 Mar 17 | HDFC
11%₹36 Cr166,800
↑ 10,000
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jan 16 | KOTAKBANK
10%₹35 Cr242,000
↑ 24,000
Axis Bank Ltd (Financial Services)
Equity, Since 30 Nov 18 | 532215
8%₹26 Cr397,000
↑ 25,000
A) Repo
CBLO/Reverse Repo | -
6%₹20 Cr
Bajaj Finance Ltd (Financial Services)
Equity, Since 30 Sep 16 | 500034
4%₹13 Cr40,500
↓ -5,000
DCB Bank Ltd (Financial Services)
Equity, Since 31 Jan 16 | 532772
4%₹12 Cr595,000
Muthoot Finance Ltd (Financial Services)
Equity, Since 30 Jun 16 | 533398
3%₹11 Cr180,000
ICICI Prudential Life Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 16 | ICICIPRULI
3%₹11 Cr250,000
↓ -39,000

As said above, selecting a best Mutual Fund is a tedious task requiring research. You have to be careful in selecting the best mutual fund scheme, one should assess all the risks and take into consideration the many factors that go into selecting the top and best mutual fund. Investing regularly reduces the risk of volatility and gives you better returns. If one invests consistently over time it will lead to good results in the future. Always remember, it's not market timing that makes money, it's the time you spend in the market!

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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