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What is Risk Profile?

Updated on August 12, 2025 , 11676 views

A risk profile is one of the most important things to analyse before making an investment. Ideally, experienced investors would know their risk ability, but a newbie would have a very little idea about the risk involved with Mutual Funds or the right mutual fund as per their risk appetite.

In many certains, most of the investors were overconfident at the time of Investing and they turn extremely nervous as the Market becomes volatile. Hence, knowing your risk profile remains at the center stage of any investment.

Especially in the case of mutual fund investment, the suitability of a product largely depends upon the characteristics of the investor. Investors should know their investment objective, how long they wish to invest, ability to tolerate risk, minimum investment amount, etc.

Risk Profiling Procedure

Risk– with respect to investing– is the Volatility or the fluctuation of the prices and/or investment returns. So risk assessment or risk profiling is the systematic evaluation of all the potential risks involved in the investment activity. Risk profiling gives you a clear picture of your risk appetite, i.e. evaluating your risk capacity, your required risk, and your risk tolerance. We will elaborate each term separately.

When an investor conducts their risk profiling, they have to answer a set of questions designed specifically for the purpose. The set of questions differs for different Mutual Fund Houses or distributors. The score of investor after answering the questions determines their Range of taking a risk. An investor can be a high-risk taker, mid-risk taker or can be a low-risk taker.

Risk Identification and Risk Analysis

Once the risk is identified by the risk assessment procedure, that risk is then analysed. It is divided into three broad categories -

Risk-appetite

Risk Capacity

Risk capacity is the quantitative measure of taking a risk. It maps your current and future financial position which includes factors like Income, savings, expenses, and liabilities. With these factors evaluated, the rate of returns required to reach your Financial goals is determined. In simple words, it is the level of the Financial Risk you can think of affording.

Risk Required

Risk required is determined by your risk capacity. It is the risk associated with the returns needed to reach your financial targets with available resources. Risk required educates you about what you could potentially be taking on with a certain investment. It gives you an honest perception and a clear picture about the type of the risk you are about to take.

Risk Tolerance

Risk tolerance is the level of risk you are comfortable with. It is simply your willingness to accept the fluctuations in the market that may or may not occur in order to achieve your financial objectives. Risk tolerance can be broadly divided three types

  1. High-Risk Tolerance
  1. Mid-Risk Tolerance
  1. Low-Risk Tolerance

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Risk Assessment Methodology- Factors & Influence

To determine the category in which you fall there are certain parameters considered

Factor Influence on Risk Profile
Family Information
Earning Members Risk appetite increases as the number of earning members increases
Dependent Members Risk appetite decreases as the number of dependent members increases
Life expectancy Risk appetite is higher when life expectancy is longer
Personal Information
Age Lower the age, higher the risk that can be taken
Employability Those with steady jobs are better positioned to take risk
Psyche Daring and adventurous people are better positioned mentally, to accept the downsides that come with risk
Financial Information
Capital base Higher the capital base, better the ability to financially take the downsides that come with risk
Regularity of Income People earning regular income can take more risk than those with unpredictable income streams

Best Mutual Funds As Per Risk Appetite

Mutual Funds for Conservative Investors

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. MaturitySub Cat.
Franklin India Ultra Short Bond Fund - Super Institutional Plan Growth ₹34.9131
↑ 0.04
₹2971.35.913.78.8 0%1Y 15D Ultrashort Bond
Aditya Birla Sun Life Savings Fund Growth ₹553.418
↑ 0.27
₹20,2281.84.187.47.96.72%5M 26D6M 29D Ultrashort Bond
ICICI Prudential Ultra Short Term Fund Growth ₹27.9402
↑ 0.01
₹16,0511.83.97.57.17.56.79%5M 12D7M 24D Ultrashort Bond
SBI Magnum Ultra Short Duration Fund Growth ₹6,024.64
↑ 1.31
₹16,4081.73.87.47.17.46.26%5M 1D6M 4D Ultrashort Bond
Invesco India Ultra Short Term Fund Growth ₹2,719.27
↑ 0.56
₹1,0061.73.77.46.97.56.59%5M 16D5M 24D Ultrashort Bond
Kotak Savings Fund Growth ₹43.2302
↑ 0.01
₹15,5271.73.77.36.97.26.49%5M 12D5M 19D Ultrashort Bond
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Aug 22

Research Highlights & Commentary of 6 Funds showcased

CommentaryFranklin India Ultra Short Bond Fund - Super Institutional PlanAditya Birla Sun Life Savings FundICICI Prudential Ultra Short Term FundSBI Magnum Ultra Short Duration FundInvesco India Ultra Short Term FundKotak Savings Fund
Point 1Bottom quartile AUM (₹297 Cr).Highest AUM (₹20,228 Cr).Upper mid AUM (₹16,051 Cr).Upper mid AUM (₹16,408 Cr).Bottom quartile AUM (₹1,006 Cr).Lower mid AUM (₹15,527 Cr).
Point 2Established history (17+ yrs).Established history (22+ yrs).Established history (14+ yrs).Oldest track record among peers (26 yrs).Established history (14+ yrs).Established history (21+ yrs).
Point 3Rating: 1★ (bottom quartile).Top rated.Rating: 3★ (upper mid).Rating: 3★ (upper mid).Rating: 3★ (lower mid).Rating: 3★ (bottom quartile).
Point 4Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Low.Risk profile: Moderate.Risk profile: Moderately Low.
Point 51Y return: 13.69% (top quartile).1Y return: 8.04% (upper mid).1Y return: 7.53% (upper mid).1Y return: 7.44% (lower mid).1Y return: 7.39% (bottom quartile).1Y return: 7.30% (bottom quartile).
Point 61M return: 0.59% (top quartile).1M return: 0.47% (upper mid).1M return: 0.46% (upper mid).1M return: 0.45% (lower mid).1M return: 0.44% (bottom quartile).1M return: 0.43% (bottom quartile).
Point 7Sharpe: 2.57 (bottom quartile).Sharpe: 3.55 (top quartile).Sharpe: 2.79 (upper mid).Sharpe: 2.74 (upper mid).Sharpe: 2.72 (lower mid).Sharpe: 2.10 (bottom quartile).
Point 8Information ratio: 0.00 (top quartile).Information ratio: 0.00 (upper mid).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): 0.00% (bottom quartile).Yield to maturity (debt): 6.72% (upper mid).Yield to maturity (debt): 6.79% (top quartile).Yield to maturity (debt): 6.26% (bottom quartile).Yield to maturity (debt): 6.59% (upper mid).Yield to maturity (debt): 6.49% (lower mid).
Point 10Modified duration: 0.00 yrs (top quartile).Modified duration: 0.49 yrs (bottom quartile).Modified duration: 0.45 yrs (upper mid).Modified duration: 0.42 yrs (upper mid).Modified duration: 0.46 yrs (bottom quartile).Modified duration: 0.45 yrs (lower mid).

Franklin India Ultra Short Bond Fund - Super Institutional Plan

  • Bottom quartile AUM (₹297 Cr).
  • Established history (17+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 13.69% (top quartile).
  • 1M return: 0.59% (top quartile).
  • Sharpe: 2.57 (bottom quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 0.00% (bottom quartile).
  • Modified duration: 0.00 yrs (top quartile).

Aditya Birla Sun Life Savings Fund

  • Highest AUM (₹20,228 Cr).
  • Established history (22+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 8.04% (upper mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.55 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.72% (upper mid).
  • Modified duration: 0.49 yrs (bottom quartile).

ICICI Prudential Ultra Short Term Fund

  • Upper mid AUM (₹16,051 Cr).
  • Established history (14+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 7.53% (upper mid).
  • 1M return: 0.46% (upper mid).
  • Sharpe: 2.79 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.79% (top quartile).
  • Modified duration: 0.45 yrs (upper mid).

SBI Magnum Ultra Short Duration Fund

  • Upper mid AUM (₹16,408 Cr).
  • Oldest track record among peers (26 yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 7.44% (lower mid).
  • 1M return: 0.45% (lower mid).
  • Sharpe: 2.74 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.26% (bottom quartile).
  • Modified duration: 0.42 yrs (upper mid).

Invesco India Ultra Short Term Fund

  • Bottom quartile AUM (₹1,006 Cr).
  • Established history (14+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 7.39% (bottom quartile).
  • 1M return: 0.44% (bottom quartile).
  • Sharpe: 2.72 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.59% (upper mid).
  • Modified duration: 0.46 yrs (bottom quartile).

Kotak Savings Fund

  • Lower mid AUM (₹15,527 Cr).
  • Established history (21+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 7.30% (bottom quartile).
  • 1M return: 0.43% (bottom quartile).
  • Sharpe: 2.10 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.49% (lower mid).
  • Modified duration: 0.45 yrs (lower mid).

Mutual Funds for Low to Moderate Risk Takers

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. MaturitySub Cat.
HDFC Corporate Bond Fund Growth ₹32.812
↑ 0.06
₹35,6861.14.48.57.88.66.94%4Y 3M 14D6Y 10M 20D Corporate Bond
Aditya Birla Sun Life Corporate Bond Fund Growth ₹113.766
↑ 0.27
₹28,6750.94.38.47.88.56.94%4Y 5M 26D6Y 11M 23D Corporate Bond
UTI Banking & PSU Debt Fund Growth ₹22.1463
↑ 0.02
₹8051.74.78.47.27.66.53%1Y 10M 10D2Y 1M 13D Banking & PSU Debt
HDFC Banking and PSU Debt Fund Growth ₹23.2003
↑ 0.03
₹6,0941.24.58.37.47.96.82%3Y 8M 23D5Y 4M 10D Banking & PSU Debt
PGIM India Short Maturity Fund Growth ₹39.3202
↓ 0.00
₹281.23.16.14.2 7.18%1Y 7M 28D1Y 11M 1D Short term Bond
Nippon India Prime Debt Fund Growth ₹60.605
↑ 0.09
₹9,5421.44.997.98.46.93%3Y 7M 17D4Y 8M 23D Corporate Bond
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 6 Funds showcased

CommentaryHDFC Corporate Bond FundAditya Birla Sun Life Corporate Bond FundUTI Banking & PSU Debt FundHDFC Banking and PSU Debt Fund PGIM India Short Maturity FundNippon India Prime Debt Fund
Point 1Highest AUM (₹35,686 Cr).Upper mid AUM (₹28,675 Cr).Bottom quartile AUM (₹805 Cr).Lower mid AUM (₹6,094 Cr).Bottom quartile AUM (₹28 Cr).Upper mid AUM (₹9,542 Cr).
Point 2Established history (15+ yrs).Oldest track record among peers (28 yrs).Established history (11+ yrs).Established history (11+ yrs).Established history (22+ yrs).Established history (24+ yrs).
Point 3Top rated.Rating: 5★ (upper mid).Rating: 5★ (upper mid).Rating: 5★ (lower mid).Rating: 5★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderately Low.
Point 51Y return: 8.49% (upper mid).1Y return: 8.40% (upper mid).1Y return: 8.36% (lower mid).1Y return: 8.30% (bottom quartile).1Y return: 6.08% (bottom quartile).1Y return: 8.97% (top quartile).
Point 61M return: 0.10% (bottom quartile).1M return: 0.07% (bottom quartile).1M return: 0.30% (upper mid).1M return: 0.12% (lower mid).1M return: 0.43% (top quartile).1M return: 0.20% (upper mid).
Point 7Sharpe: 1.57 (lower mid).Sharpe: 1.66 (upper mid).Sharpe: 2.05 (top quartile).Sharpe: 1.45 (bottom quartile).Sharpe: -0.98 (bottom quartile).Sharpe: 1.90 (upper mid).
Point 8Information ratio: 0.00 (top quartile).Information ratio: 0.00 (upper mid).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): 6.94% (upper mid).Yield to maturity (debt): 6.94% (upper mid).Yield to maturity (debt): 6.53% (bottom quartile).Yield to maturity (debt): 6.82% (bottom quartile).Yield to maturity (debt): 7.18% (top quartile).Yield to maturity (debt): 6.93% (lower mid).
Point 10Modified duration: 4.29 yrs (bottom quartile).Modified duration: 4.49 yrs (bottom quartile).Modified duration: 1.86 yrs (upper mid).Modified duration: 3.73 yrs (lower mid).Modified duration: 1.66 yrs (top quartile).Modified duration: 3.63 yrs (upper mid).

HDFC Corporate Bond Fund

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

Aditya Birla Sun Life Corporate Bond Fund

  • Upper mid AUM (₹28,675 Cr).
  • Oldest track record among peers (28 yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 8.40% (upper mid).
  • 1M return: 0.07% (bottom quartile).
  • Sharpe: 1.66 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.94% (upper mid).
  • Modified duration: 4.49 yrs (bottom quartile).

UTI Banking & PSU Debt Fund

  • Bottom quartile AUM (₹805 Cr).
  • Established history (11+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 8.36% (lower mid).
  • 1M return: 0.30% (upper mid).
  • Sharpe: 2.05 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.53% (bottom quartile).
  • Modified duration: 1.86 yrs (upper mid).

HDFC Banking and PSU Debt Fund

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

PGIM India Short Maturity Fund

  • Bottom quartile AUM (₹28 Cr).
  • Established history (22+ yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 6.08% (bottom quartile).
  • 1M return: 0.43% (top quartile).
  • Sharpe: -0.98 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.18% (top quartile).
  • Modified duration: 1.66 yrs (top quartile).

Nippon India Prime Debt Fund

  • Upper mid AUM (₹9,542 Cr).
  • Established history (24+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 8.97% (top quartile).
  • 1M return: 0.20% (upper mid).
  • Sharpe: 1.90 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.93% (lower mid).
  • Modified duration: 3.63 yrs (upper mid).

Mutual Funds for Moderate to High Risk Takers

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)Sub Cat.
Aditya Birla Sun Life Medium Term Plan Growth ₹40.2654
↑ 0.07
₹2,7321.7513.29.412.310.5 Medium term Bond
ICICI Prudential Gilt Fund Growth ₹103.241
↑ 0.40
₹7,27604.388.36.38.2 Government Bond
Axis Strategic Bond Fund Growth ₹28.26
↑ 0.04
₹1,9421.44.88.97.96.98.7 Medium term Bond
SBI Magnum Gilt Fund Growth ₹65.8758
↑ 0.39
₹12,149-1.63.16.17.968.9 Government Bond
ICICI Prudential Medium Term Bond Fund Growth ₹45.2365
↑ 0.08
₹5,7011.64.78.97.76.98 Medium term Bond
SBI Magnum Medium Duration Fund Growth ₹51.4913
↑ 0.10
₹6,5060.94.28.17.66.48.1 Medium term Bond
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 6 Funds showcased

CommentaryAditya Birla Sun Life Medium Term PlanICICI Prudential Gilt FundAxis Strategic Bond FundSBI Magnum Gilt FundICICI Prudential Medium Term Bond FundSBI Magnum Medium Duration Fund
Point 1Bottom quartile AUM (₹2,732 Cr).Upper mid AUM (₹7,276 Cr).Bottom quartile AUM (₹1,942 Cr).Highest AUM (₹12,149 Cr).Lower mid AUM (₹5,701 Cr).Upper mid AUM (₹6,506 Cr).
Point 2Established history (16+ yrs).Oldest track record among peers (26 yrs).Established history (13+ yrs).Established history (24+ yrs).Established history (20+ yrs).Established history (21+ yrs).
Point 3Top rated.Rating: 4★ (upper mid).Rating: 4★ (upper mid).Rating: 4★ (lower mid).Rating: 2★ (bottom quartile).Rating: 3★ (bottom quartile).
Point 4Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.
Point 51Y return: 13.17% (top quartile).1Y return: 8.00% (bottom quartile).1Y return: 8.88% (upper mid).1Y return: 6.10% (bottom quartile).1Y return: 8.87% (upper mid).1Y return: 8.11% (lower mid).
Point 61M return: 0.36% (top quartile).1M return: -0.49% (bottom quartile).1M return: 0.22% (upper mid).1M return: -0.70% (bottom quartile).1M return: 0.31% (upper mid).1M return: 0.07% (lower mid).
Point 7Sharpe: 3.02 (top quartile).Sharpe: 1.34 (bottom quartile).Sharpe: 2.09 (upper mid).Sharpe: 0.35 (bottom quartile).Sharpe: 2.48 (upper mid).Sharpe: 1.57 (lower mid).
Point 8Information ratio: 0.00 (top quartile).Information ratio: 0.00 (upper mid).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): 7.52% (upper mid).Yield to maturity (debt): 6.39% (bottom quartile).Yield to maturity (debt): 7.66% (upper mid).Yield to maturity (debt): 6.47% (bottom quartile).Yield to maturity (debt): 7.69% (top quartile).Yield to maturity (debt): 7.23% (lower mid).
Point 10Modified duration: 3.63 yrs (lower mid).Modified duration: 3.25 yrs (upper mid).Modified duration: 3.22 yrs (upper mid).Modified duration: 6.68 yrs (bottom quartile).Modified duration: 2.91 yrs (top quartile).Modified duration: 3.78 yrs (bottom quartile).

Aditya Birla Sun Life Medium Term Plan

  • Bottom quartile AUM (₹2,732 Cr).
  • Established history (16+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 13.17% (top quartile).
  • 1M return: 0.36% (top quartile).
  • Sharpe: 3.02 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.52% (upper mid).
  • Modified duration: 3.63 yrs (lower mid).

ICICI Prudential Gilt Fund

  • Upper mid AUM (₹7,276 Cr).
  • Oldest track record among peers (26 yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 8.00% (bottom quartile).
  • 1M return: -0.49% (bottom quartile).
  • Sharpe: 1.34 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.39% (bottom quartile).
  • Modified duration: 3.25 yrs (upper mid).

Axis Strategic Bond Fund

  • Bottom quartile AUM (₹1,942 Cr).
  • Established history (13+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 8.88% (upper mid).
  • 1M return: 0.22% (upper mid).
  • Sharpe: 2.09 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.66% (upper mid).
  • Modified duration: 3.22 yrs (upper mid).

SBI Magnum Gilt Fund

  • Highest AUM (₹12,149 Cr).
  • Established history (24+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 6.10% (bottom quartile).
  • 1M return: -0.70% (bottom quartile).
  • Sharpe: 0.35 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.47% (bottom quartile).
  • Modified duration: 6.68 yrs (bottom quartile).

ICICI Prudential Medium Term Bond Fund

  • Lower mid AUM (₹5,701 Cr).
  • Established history (20+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 8.87% (upper mid).
  • 1M return: 0.31% (upper mid).
  • Sharpe: 2.48 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.69% (top quartile).
  • Modified duration: 2.91 yrs (top quartile).

SBI Magnum Medium Duration Fund

  • Upper mid AUM (₹6,506 Cr).
  • Established history (21+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 8.11% (lower mid).
  • 1M return: 0.07% (lower mid).
  • Sharpe: 1.57 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.23% (lower mid).
  • Modified duration: 3.78 yrs (bottom quartile).

Mutual Funds for High Risk Takers

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)Sub Cat.
Motilal Oswal Midcap 30 Fund  Growth ₹101.72
↑ 0.52
₹33,0532.8113.928.133.957.1 Mid Cap
Nippon India Small Cap Fund Growth ₹165.343
↓ -0.59
₹66,6023.113.3-3.223.933.626.1 Small Cap
HDFC Small Cap Fund Growth ₹138.713
↓ -0.83
₹35,7817.116.33.123.93120.4 Small Cap
Franklin India Smaller Companies Fund Growth ₹165.647
↓ -0.65
₹13,995-0.110.4-6.922.830.623.2 Small Cap
Nippon India Multi Cap Fund Growth ₹297.191
↓ -0.94
₹45,3664.715.8423.429.925.8 Multi Cap
HDFC Mid-Cap Opportunities Fund Growth ₹191.171
↓ 0.00
₹84,0613.813.95.125.829.628.6 Mid Cap
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 6 Funds showcased

CommentaryMotilal Oswal Midcap 30 Fund Nippon India Small Cap FundHDFC Small Cap FundFranklin India Smaller Companies FundNippon India Multi Cap FundHDFC Mid-Cap Opportunities Fund
Point 1Bottom quartile AUM (₹33,053 Cr).Upper mid AUM (₹66,602 Cr).Lower mid AUM (₹35,781 Cr).Bottom quartile AUM (₹13,995 Cr).Upper mid AUM (₹45,366 Cr).Highest AUM (₹84,061 Cr).
Point 2Established history (11+ yrs).Established history (14+ yrs).Established history (17+ yrs).Established history (19+ yrs).Oldest track record among peers (20 yrs).Established history (18+ yrs).
Point 3Rating: 3★ (lower mid).Top rated.Rating: 4★ (upper mid).Rating: 4★ (upper mid).Rating: 2★ (bottom quartile).Rating: 3★ (bottom quartile).
Point 4Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 33.92% (top quartile).5Y return: 33.57% (upper mid).5Y return: 31.02% (upper mid).5Y return: 30.63% (lower mid).5Y return: 29.92% (bottom quartile).5Y return: 29.62% (bottom quartile).
Point 63Y return: 28.09% (top quartile).3Y return: 23.86% (lower mid).3Y return: 23.90% (upper mid).3Y return: 22.78% (bottom quartile).3Y return: 23.38% (bottom quartile).3Y return: 25.76% (upper mid).
Point 71Y return: 3.93% (upper mid).1Y return: -3.18% (bottom quartile).1Y return: 3.14% (lower mid).1Y return: -6.92% (bottom quartile).1Y return: 4.02% (upper mid).1Y return: 5.08% (top quartile).
Point 8Alpha: 3.89 (top quartile).Alpha: -2.86 (bottom quartile).Alpha: 0.00 (lower mid).Alpha: -7.46 (bottom quartile).Alpha: 0.04 (upper mid).Alpha: 3.00 (upper mid).
Point 9Sharpe: 0.23 (upper mid).Sharpe: -0.10 (bottom quartile).Sharpe: 0.07 (upper mid).Sharpe: -0.33 (bottom quartile).Sharpe: 0.03 (lower mid).Sharpe: 0.23 (top quartile).
Point 10Information ratio: 0.44 (upper mid).Information ratio: -0.10 (bottom quartile).Information ratio: 0.00 (lower mid).Information ratio: -0.13 (bottom quartile).Information ratio: 0.97 (top quartile).Information ratio: 0.62 (upper mid).

Motilal Oswal Midcap 30 Fund 

  • Bottom quartile AUM (₹33,053 Cr).
  • Established history (11+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 33.92% (top quartile).
  • 3Y return: 28.09% (top quartile).
  • 1Y return: 3.93% (upper mid).
  • Alpha: 3.89 (top quartile).
  • Sharpe: 0.23 (upper mid).
  • Information ratio: 0.44 (upper mid).

Nippon India Small Cap Fund

  • Upper mid AUM (₹66,602 Cr).
  • Established history (14+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 33.57% (upper mid).
  • 3Y return: 23.86% (lower mid).
  • 1Y return: -3.18% (bottom quartile).
  • Alpha: -2.86 (bottom quartile).
  • Sharpe: -0.10 (bottom quartile).
  • Information ratio: -0.10 (bottom quartile).

HDFC Small Cap Fund

  • Lower mid AUM (₹35,781 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 31.02% (upper mid).
  • 3Y return: 23.90% (upper mid).
  • 1Y return: 3.14% (lower mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 0.07 (upper mid).
  • Information ratio: 0.00 (lower mid).

Franklin India Smaller Companies Fund

  • Bottom quartile AUM (₹13,995 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 30.63% (lower mid).
  • 3Y return: 22.78% (bottom quartile).
  • 1Y return: -6.92% (bottom quartile).
  • Alpha: -7.46 (bottom quartile).
  • Sharpe: -0.33 (bottom quartile).
  • Information ratio: -0.13 (bottom quartile).

Nippon India Multi Cap Fund

  • Upper mid AUM (₹45,366 Cr).
  • Oldest track record among peers (20 yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 29.92% (bottom quartile).
  • 3Y return: 23.38% (bottom quartile).
  • 1Y return: 4.02% (upper mid).
  • Alpha: 0.04 (upper mid).
  • Sharpe: 0.03 (lower mid).
  • Information ratio: 0.97 (top quartile).

HDFC Mid-Cap Opportunities Fund

  • Highest AUM (₹84,061 Cr).
  • Established history (18+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 29.62% (bottom quartile).
  • 3Y return: 25.76% (upper mid).
  • 1Y return: 5.08% (top quartile).
  • Alpha: 3.00 (upper mid).
  • Sharpe: 0.23 (top quartile).
  • Information ratio: 0.62 (upper mid).

The Importance of Risk Profiling

Risk profiling gives you the clear picture of all the risk and returns expectations from an investment. It helps you create a focused strategy to invest in a manner that will help you reach your financial goals. Your financial advisor is expected to give you all the necessary information regarding risk assessment and help you carry out the same. Securities and Exchange Board of India (SEBI) and The Association of Mutual Funds of India (AMFI) both have stated the guidelines and norms for carrying out a detailed risk assessment of the investor and then suggest them the appropriate schemes. Such approach helps in reducing the losses that might occur if an investor invests in a scheme that is out of their risk appetite.

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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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