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MFOnline: Investing Made Easy

Updated on August 12, 2025 , 4090 views

Have you heard the term MFOnline? Well, for those who already know it and for those who don't, this article will simplify and elaborate the concept of MFOnline. MFOnline or mutual fund online means Investing in Mutual Funds through paperless means. Individuals can choose MFOnline to invest in mutual fund schemes by visiting the mutual fund company’s website or other web portals. The advancements in the field of technology has been so considerable that a person can invest and trade in mutual funds sitting at any place and at any time. So, let us understand the various aspects of MFOnline like the concept of mutual funds, fund houses having online investment Facility, for instance, UTI Mutual Funds, the process of investing online in mutual funds for first timers, methods of online mutual fund investment, and online SIP.

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MFOnline: Online Investments for the First Timers

With the improvement in technology, MFOnline process has become easy and simple. However, first timers need to complete an additional procedure of Know Your Customer (KYC) requirements before they begin investing. This can be done with the help of eKYC. eKYC is a paperless technique to complete the KYC process. One of the entities performing the eKYC activity is known as Computer Age Management Services Pvt. Ltd. fondly known as CAMS. The eKYC process can be completed by providing the UID (Aadhar) number and enter the OTP received.

MFOnline: How to Buy Mutual Funds Online

Investment in mutual funds through MFOnline online can be done in three ways. They are:

Independent Portals

Independent portals of Mutual Fund Distributors is one of the channels through which people can invest in Mutual Funds. One of the highlighting points of these portals is that they do not levy any transaction fee from the individuals. In addition, they also provide in-depth analysis for various mutual fund schemes. Independent portals also act like aggregators wherein individuals can invest in various mutual fund schemes just by visiting one website. The advantages and limitations of buying the mutual funds through independent portals are:

Advantages:

  • No transaction charges
  • In-depth analysis of various mutual fund schemes helps to understand in which scheme to invest

Disadvantages:

  • If an individual’s Bank does not have a tie up with portal then, access to net banking may not be available.

AMC Websites

Individuals can purchase mutual funds directly from the mutual fund company or AMC’s website with just a click of a button through MFOnline mode. This is considered to be an easy option since individuals can purchase the mutual fund schemes from the fund house itself. Some of the advantages and limitations of purchasing mutual fund schemes directly from the fund houses are:

Advantages

  • Simple registration and investing process
  • No transaction fee payable to the fund house or any agent

Disadvantages

  • Individuals need to complete the registration formalities for each mutual fund if they are planning to invest in different mutual fund schemes run by various fund houses
  • Individuals need to complete all the formalities

Broker Platforms

Broker platforms is another medium that an individual can choose for investing online in mutual funds. Individuals having a Demat account for online trading in stocks can use the same demat account to invest in mutual funds. Most of these broker accounts are linked to mutual funds exchange platform of either BSE or NSE. Individuals need to login into their accounts from the broker terminal, select the scheme in which they prefer to invest, and invest the money. The units are credited to their demat account. The advantages and disadvantages of buying mutual funds through broker platforms are:

Advantages

  • By opening one account with the broker individuals can invest in numerous financial instruments like stocks, Bonds, shares, along with mutual fund schemes
  • Hassle free as all the investments are at one place

Disadvantages

  • High brokerage charges
  • Not convenient for short-term investors as individuals might end up with less profits due to high brokerage

The image given below show the three channels of buying Mutual Funds Online.

How-to-Buy-Mutual-Funds-Online

Online SIP

Systematic Investment plan or SIP means a situation where individuals invest small amounts in mutual fund schemes at regular intervals. Investors can opt for SIP mode instead of lump sum mode of investment in mutual funds. Individuals can opt for MFOnline mode of SIP where they don't need to visit the fund house office at regular intervals to deposit the amount. Here, the amount can be deposited at the click of a button. Hence, this method becomes easy for individuals to invest in mutual funds.

Understanding Mutual Funds Online

Mutual fund refers to an investment vehicle that collects money from various individuals having the common objective of investing and trading in financial securities. Initially, individuals used to invest in mutual funds by visiting the offices of respective fund houses. However, with the passage of time, technological advancements have left its imprints on the mutual fund Industry. Today, mutual fund investment process has been so simplified that individuals can invest and trade in various funds just at the click of a button using devices like laptops, smartphones, and computers to invest in mutual funds.

Fund Houses Having Online Investment Facility

Currently, almost all the fund houses or Asset Management Companies (AMCs) provide the facility of MFOnline. Some of these mutual fund companies include UTI mutual funds, Reliance Mutual Funds, Tata Mutual Funds, and so on. A detailed description of these fund houses along with the best Mutual Fund schemes offered by them are as follows:

UTI Mutual Fund

Unit Trust of India, having its acronym as UTI, is the first mutual fund company in India. Formed in the year 1963, under the UTI Act 1963, UTI Mutual Fund was formed in the year 2003, post abolishment of the Act. UTI mutual funds offer online trading facility where individuals can invest in mutual funds through the online mode. They can purchase, sell, and invest units of mutual fund schemes, check their balances, check the performance of their mutual fund schemes, all with a click of the mouse.

Best UTI Mutual Fund Schemes 2025

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
UTI Banking & PSU Debt Fund Growth ₹22.1463
↑ 0.02
₹8051.74.78.47.277.6
UTI Dynamic Bond Fund Growth ₹31.0531
↑ 0.11
₹47303.97.47.28.38.6
UTI Short Term Income Fund Growth ₹32.0057
↑ 0.03
₹3,2811.44.58.37.577.9
UTI Treasury Advantage Fund Growth ₹3,581.9
↑ 1.42
₹3,0021.84.28.17.477.7
UTI Money Market Fund Growth ₹3,114.99
↑ 0.60
₹18,3541.84.287.66.17.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Aug 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryUTI Banking & PSU Debt FundUTI Dynamic Bond FundUTI Short Term Income FundUTI Treasury Advantage FundUTI Money Market Fund
Point 1Bottom quartile AUM (₹805 Cr).Bottom quartile AUM (₹473 Cr).Upper mid AUM (₹3,281 Cr).Lower mid AUM (₹3,002 Cr).Highest AUM (₹18,354 Cr).
Point 2Established history (11+ yrs).Established history (15+ yrs).Established history (17+ yrs).Oldest track record among peers (18 yrs).Established history (16+ yrs).
Point 3Top rated.Rating: 5★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Low.
Point 51Y return: 8.36% (top quartile).1Y return: 7.36% (bottom quartile).1Y return: 8.35% (upper mid).1Y return: 8.11% (lower mid).1Y return: 8.02% (bottom quartile).
Point 61M return: 0.30% (lower mid).1M return: -0.48% (bottom quartile).1M return: 0.23% (bottom quartile).1M return: 0.42% (upper mid).1M return: 0.45% (top quartile).
Point 7Sharpe: 2.05 (lower mid).Sharpe: 0.90 (bottom quartile).Sharpe: 1.89 (bottom quartile).Sharpe: 3.03 (upper mid).Sharpe: 3.32 (top quartile).
Point 8Information ratio: 0.00 (top quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).Information ratio: 0.00 (bottom quartile).
Point 9Yield to maturity (debt): 6.53% (bottom quartile).Yield to maturity (debt): 6.92% (top quartile).Yield to maturity (debt): 6.76% (upper mid).Yield to maturity (debt): 6.59% (lower mid).Yield to maturity (debt): 6.30% (bottom quartile).
Point 10Modified duration: 1.86 yrs (lower mid).Modified duration: 7.20 yrs (bottom quartile).Modified duration: 2.60 yrs (bottom quartile).Modified duration: 0.91 yrs (upper mid).Modified duration: 0.62 yrs (top quartile).

UTI Banking & PSU Debt Fund

  • Bottom quartile AUM (₹805 Cr).
  • Established history (11+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 8.36% (top quartile).
  • 1M return: 0.30% (lower mid).
  • Sharpe: 2.05 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.53% (bottom quartile).
  • Modified duration: 1.86 yrs (lower mid).

UTI Dynamic Bond Fund

  • Bottom quartile AUM (₹473 Cr).
  • Established history (15+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 7.36% (bottom quartile).
  • 1M return: -0.48% (bottom quartile).
  • Sharpe: 0.90 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.92% (top quartile).
  • Modified duration: 7.20 yrs (bottom quartile).

UTI Short Term Income Fund

  • Upper mid AUM (₹3,281 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 8.35% (upper mid).
  • 1M return: 0.23% (bottom quartile).
  • Sharpe: 1.89 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.76% (upper mid).
  • Modified duration: 2.60 yrs (bottom quartile).

UTI Treasury Advantage Fund

  • Lower mid AUM (₹3,002 Cr).
  • Oldest track record among peers (18 yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 8.11% (lower mid).
  • 1M return: 0.42% (upper mid).
  • Sharpe: 3.03 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.59% (lower mid).
  • Modified duration: 0.91 yrs (upper mid).

UTI Money Market Fund

  • Highest AUM (₹18,354 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 8.02% (bottom quartile).
  • 1M return: 0.45% (top quartile).
  • Sharpe: 3.32 (top quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.30% (bottom quartile).
  • Modified duration: 0.62 yrs (top quartile).

Reliance Mutual Fund

Reliance Mutual Fund is one of the fast growing mutual fund companies in India. It is a joint venture between the Japanese company Nippon Life Insurance and Indian Company Reliance Capital. This company also provides the facility of MFOnline to individuals to encourage paperless investment in mutual funds. This fund house was established in the year 1995.

Best Reliance Mutual Fund Schemes 2025

No Funds available.

Tata Mutual Fund

Tata Mutual Fund is again a fund that encourages MFOnline method of investment. Individuals choosing to invest Tata Mutual Funds can invest in through the company’s website, or brokers, or independent portals. Set up in the year 1995, the main sponsors of this mutual fund are Tata Sons Ltd. and Tata Investment Corp. Ltd.

Best Tata Mutual Fund Schemes 2025

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Tata Retirement Savings Fund-Moderate Growth ₹63.6465
↑ 0.15
₹2,2301.310.32.114.215.319.5
Tata India Tax Savings Fund Growth ₹43.3564
↓ -0.03
₹4,71118.80.614.719.919.5
Tata Retirement Savings Fund - Progressive Growth ₹64.3877
↑ 0.14
₹2,1781.110.9015.216.421.7
Tata Equity PE Fund Growth ₹339.971
↑ 0.54
₹8,8401.19.8-4.318.921.121.7
Tata Treasury Advantage Fund Growth ₹3,966.73
↑ 1.45
₹3,1641.747.77.15.87.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Aug 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryTata Retirement Savings Fund-ModerateTata India Tax Savings FundTata Retirement Savings Fund - ProgressiveTata Equity PE FundTata Treasury Advantage Fund
Point 1Bottom quartile AUM (₹2,230 Cr).Upper mid AUM (₹4,711 Cr).Bottom quartile AUM (₹2,178 Cr).Highest AUM (₹8,840 Cr).Lower mid AUM (₹3,164 Cr).
Point 2Established history (13+ yrs).Established history (10+ yrs).Established history (13+ yrs).Oldest track record among peers (21 yrs).Established history (19+ yrs).
Point 3Top rated.Rating: 5★ (upper mid).Rating: 5★ (lower mid).Rating: 5★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately Low.
Point 55Y return: 15.32% (bottom quartile).5Y return: 19.85% (upper mid).5Y return: 16.41% (lower mid).5Y return: 21.12% (top quartile).1Y return: 7.75% (top quartile).
Point 63Y return: 14.24% (bottom quartile).3Y return: 14.67% (lower mid).3Y return: 15.16% (upper mid).3Y return: 18.90% (top quartile).1M return: 0.39% (top quartile).
Point 71Y return: 2.13% (upper mid).1Y return: 0.64% (lower mid).1Y return: 0.05% (bottom quartile).1Y return: -4.32% (bottom quartile).Sharpe: 2.59 (top quartile).
Point 81M return: -1.79% (upper mid).Alpha: -0.42 (bottom quartile).1M return: -2.46% (lower mid).Alpha: -4.96 (bottom quartile).Information ratio: 0.00 (lower mid).
Point 9Alpha: 0.00 (upper mid).Sharpe: -0.01 (bottom quartile).Alpha: 1.79 (top quartile).Sharpe: -0.29 (bottom quartile).Yield to maturity (debt): 6.40% (top quartile).
Point 10Sharpe: 0.18 (upper mid).Information ratio: -0.31 (bottom quartile).Sharpe: 0.12 (lower mid).Information ratio: 0.76 (top quartile).Modified duration: 0.89 yrs (bottom quartile).

Tata Retirement Savings Fund-Moderate

  • Bottom quartile AUM (₹2,230 Cr).
  • Established history (13+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 15.32% (bottom quartile).
  • 3Y return: 14.24% (bottom quartile).
  • 1Y return: 2.13% (upper mid).
  • 1M return: -1.79% (upper mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 0.18 (upper mid).

Tata India Tax Savings Fund

  • Upper mid AUM (₹4,711 Cr).
  • Established history (10+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 19.85% (upper mid).
  • 3Y return: 14.67% (lower mid).
  • 1Y return: 0.64% (lower mid).
  • Alpha: -0.42 (bottom quartile).
  • Sharpe: -0.01 (bottom quartile).
  • Information ratio: -0.31 (bottom quartile).

Tata Retirement Savings Fund - Progressive

  • Bottom quartile AUM (₹2,178 Cr).
  • Established history (13+ yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 16.41% (lower mid).
  • 3Y return: 15.16% (upper mid).
  • 1Y return: 0.05% (bottom quartile).
  • 1M return: -2.46% (lower mid).
  • Alpha: 1.79 (top quartile).
  • Sharpe: 0.12 (lower mid).

Tata Equity PE Fund

  • Highest AUM (₹8,840 Cr).
  • Oldest track record among peers (21 yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 21.12% (top quartile).
  • 3Y return: 18.90% (top quartile).
  • 1Y return: -4.32% (bottom quartile).
  • Alpha: -4.96 (bottom quartile).
  • Sharpe: -0.29 (bottom quartile).
  • Information ratio: 0.76 (top quartile).

Tata Treasury Advantage Fund

  • Lower mid AUM (₹3,164 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 7.75% (top quartile).
  • 1M return: 0.39% (top quartile).
  • Sharpe: 2.59 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.40% (top quartile).
  • Modified duration: 0.89 yrs (bottom quartile).

ICICI Mutual Fund

icici mutual fund is one of the well-established and well-known fund houses in India. The company is a joint venture between ICICI Bank Limited and Prudential PLC. ICICI Mutual Fund also provides online mode of investment. Through online mode, people can invest in various schemes of ICICI either directly through the fund house's website or through other distributor's portal.

Best ICICI Mutual Fund Schemes 2025

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
ICICI Prudential Banking and Financial Services Fund Growth ₹133.16
↑ 0.33
₹10,0882.213.113.115.821.711.6
ICICI Prudential Long Term Plan Growth ₹37.1883
↑ 0.10
₹14,9520.74.38.386.68.2
ICICI Prudential MIP 25 Growth ₹76.0667
↑ 0.07
₹3,2202.26.17.610.210.111.4
ICICI Prudential Nifty Next 50 Index Fund Growth ₹58.4718
↓ -0.09
₹7,7991.711.9-7.316.219.427.2
ICICI Prudential Global Stable Equity Fund Growth ₹28.66
↑ 0.37
₹1017.96.514.810.511.45.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Aug 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryICICI Prudential Banking and Financial Services FundICICI Prudential Long Term PlanICICI Prudential MIP 25ICICI Prudential Nifty Next 50 Index FundICICI Prudential Global Stable Equity Fund
Point 1Upper mid AUM (₹10,088 Cr).Highest AUM (₹14,952 Cr).Bottom quartile AUM (₹3,220 Cr).Lower mid AUM (₹7,799 Cr).Bottom quartile AUM (₹101 Cr).
Point 2Established history (16+ yrs).Established history (15+ yrs).Oldest track record among peers (21 yrs).Established history (15+ yrs).Established history (11+ yrs).
Point 3Top rated.Rating: 5★ (upper mid).Rating: 5★ (lower mid).Rating: 5★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: High.Risk profile: Moderate.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: High.
Point 55Y return: 21.73% (top quartile).1Y return: 8.26% (lower mid).5Y return: 10.06% (bottom quartile).5Y return: 19.41% (upper mid).5Y return: 11.42% (lower mid).
Point 63Y return: 15.79% (upper mid).1M return: -0.11% (lower mid).3Y return: 10.21% (bottom quartile).3Y return: 16.23% (top quartile).3Y return: 10.47% (lower mid).
Point 71Y return: 13.12% (upper mid).Sharpe: 1.66 (top quartile).1Y return: 7.61% (bottom quartile).1Y return: -7.27% (bottom quartile).1Y return: 14.78% (top quartile).
Point 8Alpha: -0.92 (bottom quartile).Information ratio: 0.00 (upper mid).1M return: 0.22% (upper mid).1M return: -2.36% (bottom quartile).Alpha: 0.00 (lower mid).
Point 9Sharpe: 0.72 (lower mid).Yield to maturity (debt): 7.31% (top quartile).Alpha: 0.00 (upper mid).Alpha: -1.05 (bottom quartile).Sharpe: 0.76 (upper mid).
Point 10Information ratio: 0.11 (top quartile).Modified duration: 2.97 yrs (bottom quartile).Sharpe: 0.63 (bottom quartile).Sharpe: -0.39 (bottom quartile).Information ratio: 0.00 (bottom quartile).

ICICI Prudential Banking and Financial Services Fund

  • Upper mid AUM (₹10,088 Cr).
  • Established history (16+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 21.73% (top quartile).
  • 3Y return: 15.79% (upper mid).
  • 1Y return: 13.12% (upper mid).
  • Alpha: -0.92 (bottom quartile).
  • Sharpe: 0.72 (lower mid).
  • Information ratio: 0.11 (top quartile).

ICICI Prudential Long Term Plan

  • Highest AUM (₹14,952 Cr).
  • Established history (15+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 8.26% (lower mid).
  • 1M return: -0.11% (lower mid).
  • Sharpe: 1.66 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.31% (top quartile).
  • Modified duration: 2.97 yrs (bottom quartile).

ICICI Prudential MIP 25

  • Bottom quartile AUM (₹3,220 Cr).
  • Oldest track record among peers (21 yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 10.06% (bottom quartile).
  • 3Y return: 10.21% (bottom quartile).
  • 1Y return: 7.61% (bottom quartile).
  • 1M return: 0.22% (upper mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 0.63 (bottom quartile).

ICICI Prudential Nifty Next 50 Index Fund

  • Lower mid AUM (₹7,799 Cr).
  • Established history (15+ yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 19.41% (upper mid).
  • 3Y return: 16.23% (top quartile).
  • 1Y return: -7.27% (bottom quartile).
  • 1M return: -2.36% (bottom quartile).
  • Alpha: -1.05 (bottom quartile).
  • Sharpe: -0.39 (bottom quartile).

ICICI Prudential Global Stable Equity Fund

  • Bottom quartile AUM (₹101 Cr).
  • Established history (11+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 11.42% (lower mid).
  • 3Y return: 10.47% (lower mid).
  • 1Y return: 14.78% (top quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 0.76 (upper mid).
  • Information ratio: 0.00 (bottom quartile).

SBI Mutual Fund

SBI Mutual Fund is set up by India's one of the oldest and most reputed bank State Bank of India (SBI). SBI offers a large number of schemes in which people can invest as per their convenience through online mode of investment. Using online mode, people can invest as per their convenience at anytime and from any where. In online mode, people can either choose a Mutual Fund distributor's portal or the fund house's website to make the investment. Some of the top and best schemes of SBI are given below as follows.

Best SBI Mutual Fund Schemes 2025

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
SBI Debt Hybrid Fund Growth ₹72.5363
↑ 0.10
₹9,7481.55.85.71011.211
SBI Magnum Children's Benefit Plan Growth ₹109.163
↑ 0.29
₹1280.255.512.613.317.4
SBI Small Cap Fund Growth ₹168.91
↑ 0.42
₹35,6962.510.9-4.415.424.824.1
SBI Equity Hybrid Fund Growth ₹298.324
↑ 1.09
₹78,7081.910.29.813.416.214.2
SBI Multi Asset Allocation Fund Growth ₹59.0567
↑ 0.02
₹8,9402.98.48.415.81412.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Aug 25

Research Highlights & Commentary of 5 Funds showcased

CommentarySBI Debt Hybrid FundSBI Magnum Children's Benefit PlanSBI Small Cap FundSBI Equity Hybrid FundSBI Multi Asset Allocation Fund
Point 1Lower mid AUM (₹9,748 Cr).Bottom quartile AUM (₹128 Cr).Upper mid AUM (₹35,696 Cr).Highest AUM (₹78,708 Cr).Bottom quartile AUM (₹8,940 Cr).
Point 2Oldest track record among peers (24 yrs).Established history (23+ yrs).Established history (15+ yrs).Established history (20+ yrs).Established history (19+ yrs).
Point 3Top rated.Rating: 5★ (upper mid).Rating: 5★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Moderate.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderate.
Point 55Y return: 11.22% (bottom quartile).5Y return: 13.32% (bottom quartile).5Y return: 24.78% (top quartile).5Y return: 16.22% (upper mid).5Y return: 13.99% (lower mid).
Point 63Y return: 10.02% (bottom quartile).3Y return: 12.58% (bottom quartile).3Y return: 15.43% (upper mid).3Y return: 13.39% (lower mid).3Y return: 15.82% (top quartile).
Point 71Y return: 5.66% (lower mid).1Y return: 5.47% (bottom quartile).1Y return: -4.40% (bottom quartile).1Y return: 9.80% (top quartile).1Y return: 8.44% (upper mid).
Point 81M return: -0.59% (top quartile).1M return: -1.16% (upper mid).Alpha: 0.00 (bottom quartile).1M return: -1.71% (bottom quartile).1M return: -1.70% (lower mid).
Point 9Alpha: 0.00 (upper mid).Alpha: 0.00 (lower mid).Sharpe: -0.24 (bottom quartile).Alpha: 5.08 (top quartile).Alpha: 0.00 (bottom quartile).
Point 10Sharpe: 0.16 (bottom quartile).Sharpe: 0.64 (top quartile).Information ratio: 0.00 (bottom quartile).Sharpe: 0.56 (upper mid).Sharpe: 0.41 (lower mid).

SBI Debt Hybrid Fund

  • Lower mid AUM (₹9,748 Cr).
  • Oldest track record among peers (24 yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 5Y return: 11.22% (bottom quartile).
  • 3Y return: 10.02% (bottom quartile).
  • 1Y return: 5.66% (lower mid).
  • 1M return: -0.59% (top quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 0.16 (bottom quartile).

SBI Magnum Children's Benefit Plan

  • Bottom quartile AUM (₹128 Cr).
  • Established history (23+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 13.32% (bottom quartile).
  • 3Y return: 12.58% (bottom quartile).
  • 1Y return: 5.47% (bottom quartile).
  • 1M return: -1.16% (upper mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 0.64 (top quartile).

SBI Small Cap Fund

  • Upper mid AUM (₹35,696 Cr).
  • Established history (15+ yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 24.78% (top quartile).
  • 3Y return: 15.43% (upper mid).
  • 1Y return: -4.40% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: -0.24 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).

SBI Equity Hybrid Fund

  • Highest AUM (₹78,708 Cr).
  • Established history (20+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 16.22% (upper mid).
  • 3Y return: 13.39% (lower mid).
  • 1Y return: 9.80% (top quartile).
  • 1M return: -1.71% (bottom quartile).
  • Alpha: 5.08 (top quartile).
  • Sharpe: 0.56 (upper mid).

SBI Multi Asset Allocation Fund

  • Bottom quartile AUM (₹8,940 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 5Y return: 13.99% (lower mid).
  • 3Y return: 15.82% (top quartile).
  • 1Y return: 8.44% (upper mid).
  • 1M return: -1.70% (lower mid).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 0.41 (lower mid).

HDFC Mutual Fund

HDFC Mutual Fund was set up in the year 2000. It is again one of the well-reputed Mutual Fund companies in India. HDFC Mutual Fund like other Mutual Fund companies also offers online mode of investment. Online mode of investment is considered to be convenient for people. Through online mode, people can purchase and redeem Mutual Fund units, keep a track of their Portfolio, check how their schemes are performing, and other related activities. People can invest in HDFC schemes either through the fund house's website or through any distributor's portal. However, one of the advantages of investing through distributor is people can find a number of schemes under one portfolio.

Best HDFC Mutual Fund Schemes 2025

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
HDFC Corporate Bond Fund Growth ₹32.812
↑ 0.06
₹35,6861.14.48.57.86.38.6
HDFC Banking and PSU Debt Fund Growth ₹23.2003
↑ 0.03
₹6,0941.24.58.37.467.9
HDFC Credit Risk Debt Fund Growth ₹24.2713
↑ 0.04
₹7,0861.64.58.27.47.18.2
HDFC Hybrid Debt Fund Growth ₹81.8028
↑ 0.19
₹3,401-0.34.24.710.411.210.5
HDFC Equity Savings Fund Growth ₹65.66
↑ 0.06
₹5,6631.25.2410.112.210.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Aug 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryHDFC Corporate Bond FundHDFC Banking and PSU Debt FundHDFC Credit Risk Debt FundHDFC Hybrid Debt FundHDFC Equity Savings Fund
Point 1Highest AUM (₹35,686 Cr).Lower mid AUM (₹6,094 Cr).Upper mid AUM (₹7,086 Cr).Bottom quartile AUM (₹3,401 Cr).Bottom quartile AUM (₹5,663 Cr).
Point 2Established history (15+ yrs).Established history (11+ yrs).Established history (11+ yrs).Oldest track record among peers (21 yrs).Established history (20+ yrs).
Point 3Top rated.Rating: 5★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderately High.Risk profile: Moderately High.
Point 51Y return: 8.49% (top quartile).1Y return: 8.30% (upper mid).1Y return: 8.21% (lower mid).5Y return: 11.20% (upper mid).5Y return: 12.24% (top quartile).
Point 61M return: 0.10% (lower mid).1M return: 0.12% (upper mid).1M return: 0.34% (top quartile).3Y return: 10.38% (top quartile).3Y return: 10.07% (upper mid).
Point 7Sharpe: 1.57 (upper mid).Sharpe: 1.45 (lower mid).Sharpe: 1.94 (top quartile).1Y return: 4.67% (bottom quartile).1Y return: 4.04% (bottom quartile).
Point 8Information ratio: 0.00 (top quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).1M return: -0.73% (bottom quartile).1M return: -0.31% (bottom quartile).
Point 9Yield to maturity (debt): 6.94% (lower mid).Yield to maturity (debt): 6.82% (bottom quartile).Yield to maturity (debt): 7.92% (top quartile).Alpha: 0.00 (bottom quartile).Alpha: 0.00 (bottom quartile).
Point 10Modified duration: 4.29 yrs (bottom quartile).Modified duration: 3.73 yrs (lower mid).Modified duration: 2.48 yrs (top quartile).Sharpe: 0.08 (bottom quartile).Sharpe: -0.03 (bottom quartile).

HDFC Corporate Bond Fund

  • Highest AUM (₹35,686 Cr).
  • Established history (15+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 8.49% (top quartile).
  • 1M return: 0.10% (lower mid).
  • Sharpe: 1.57 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.94% (lower mid).
  • Modified duration: 4.29 yrs (bottom quartile).

HDFC Banking and PSU Debt Fund

  • Lower mid AUM (₹6,094 Cr).
  • Established history (11+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 8.30% (upper mid).
  • 1M return: 0.12% (upper mid).
  • Sharpe: 1.45 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.82% (bottom quartile).
  • Modified duration: 3.73 yrs (lower mid).

HDFC Credit Risk Debt Fund

  • Upper mid AUM (₹7,086 Cr).
  • Established history (11+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 8.21% (lower mid).
  • 1M return: 0.34% (top quartile).
  • Sharpe: 1.94 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.92% (top quartile).
  • Modified duration: 2.48 yrs (top quartile).

HDFC Hybrid Debt Fund

  • Bottom quartile AUM (₹3,401 Cr).
  • Oldest track record among peers (21 yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 11.20% (upper mid).
  • 3Y return: 10.38% (top quartile).
  • 1Y return: 4.67% (bottom quartile).
  • 1M return: -0.73% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 0.08 (bottom quartile).

HDFC Equity Savings Fund

  • Bottom quartile AUM (₹5,663 Cr).
  • Established history (20+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 12.24% (top quartile).
  • 3Y return: 10.07% (upper mid).
  • 1Y return: 4.04% (bottom quartile).
  • 1M return: -0.31% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: -0.03 (bottom quartile).

Conclusion

On the whole, it can be concluded that though there are a lot of advancements in the technology, nevertheless, individuals should always select and invest in mutual fund schemes that are in-line with the objectives. In addition, they should also have a holistic view about MFOnline so that their investment gives them the required results.

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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