+91-22-48913909Top 10 Mutual Funds for 2025
Looking for the best Mutual Fund to invest in 2025? While Investing in Mutual Funds, investors often find difficulty in choosing a fund that would give them consistent returns.
To solve all the hassles, we have come up with the list of top 10 Mutual Fund schemes that you could prefer investing in. These funds have been shortlisted by undertaking certain parameters like AUM, NAV, past performances, peer average returns, etc. You can invest in these schemes in two ways- either by taking a SIP route or a lump sum way.
In a lump sum mode of investment, investors can invest a considerable amount as a one-time down payment in the scheme, whereas in a SIP mode, investors can invest at regular intervals that can be monthly, quarterly and annually. The minimum investment amount in a lump sum could Range from INR 1000-5000, while in a SIP you can start investing with just INR 500.
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Why should you Invest in Mutual Funds?
You can invest in Mutual Funds as per your risk appetite. There is an array of schemes for all kinds of risk takers. Right from conservative investors to high-risk investors, everyone can invest in Mutual Fund schemes
Mutual Funds provide you with a plethora of tax benefits
Mutual Funds can give you better returns and cash flows than any other traditional investment options like FDs, etc.
You can get a right amount of diversification by investing in Mutual Funds. You can hold numbers of various schemes in your Portfolio
Mutual Funds are affordable. One can start their investment with an amount as low as INR 500 via a SIP
The money you invest in managed by a team of an expert. They have real-time access to the Market and they are able to execute trades on the most cost-effective scale
Your Mutual Fund investments are in safe hands. Every Mutual Fund is regulated by SEBI (The Securities and Exchange Board of India), hence all the fund that you invest runs in a transparent manner and is secured.
Top 10 Mutual Funds to Invest in 2025
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) DSP US Flexible Equity Fund Growth ₹71.1391
↑ 0.62 ₹1,000 10.7 37.4 27.8 22.7 17.5 17.8 Franklin Asian Equity Fund Growth ₹34.4723
↓ -0.10 ₹260 8 23.8 17.1 16.8 4.3 14.4 Invesco India Growth Opportunities Fund Growth ₹103.75
↓ -0.38 ₹8,125 0.5 12.5 12.1 25.6 23.6 37.5 Aditya Birla Sun Life Banking And Financial Services Fund Growth ₹63.09
↓ -0.04 ₹3,374 2.3 6 12 16.6 21.2 8.7 ICICI Prudential Banking and Financial Services Fund Growth ₹137.3
↓ -0.62 ₹9,688 1.5 6.1 11.1 16.5 20.9 11.6 Axis Credit Risk Fund Growth ₹21.9801
↓ -0.01 ₹366 1.9 3.9 8.8 8 6.8 8 Kotak Standard Multicap Fund Growth ₹87.047
↓ -0.28 ₹53,626 1.4 8.5 8.6 17.7 19.1 16.5 PGIM India Credit Risk Fund Growth ₹15.5876
↑ 0.00 ₹39 0.6 4.4 8.4 3 4.2 ICICI Prudential MIP 25 Growth ₹77.3852
↓ -0.08 ₹3,261 1.7 4.5 8.1 10.5 9.9 11.4 UTI Banking & PSU Debt Fund Growth ₹22.4188
↓ 0.00 ₹813 1.3 3.4 8.1 7.7 7 7.6 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Oct 25 Research Highlights & Commentary of 10 Funds showcased
Commentary DSP US Flexible Equity Fund Franklin Asian Equity Fund Invesco India Growth Opportunities Fund Aditya Birla Sun Life Banking And Financial Services Fund ICICI Prudential Banking and Financial Services Fund Axis Credit Risk Fund Kotak Standard Multicap Fund PGIM India Credit Risk Fund ICICI Prudential MIP 25 UTI Banking & PSU Debt Fund Point 1 Lower mid AUM (₹1,000 Cr). Bottom quartile AUM (₹260 Cr). Upper mid AUM (₹8,125 Cr). Upper mid AUM (₹3,374 Cr). Top quartile AUM (₹9,688 Cr). Bottom quartile AUM (₹366 Cr). Highest AUM (₹53,626 Cr). Bottom quartile AUM (₹39 Cr). Upper mid AUM (₹3,261 Cr). Lower mid AUM (₹813 Cr). Point 2 Established history (13+ yrs). Established history (17+ yrs). Established history (18+ yrs). Established history (11+ yrs). Established history (17+ yrs). Established history (11+ yrs). Established history (16+ yrs). Established history (11+ yrs). Oldest track record among peers (21 yrs). Established history (11+ yrs). Point 3 Top rated. Rating: 5★ (top quartile). Rating: 5★ (upper mid). Rating: 5★ (upper mid). Rating: 5★ (upper mid). Rating: 5★ (lower mid). Rating: 5★ (lower mid). Rating: 5★ (bottom quartile). Rating: 5★ (bottom quartile). Rating: 5★ (bottom quartile). Point 4 Risk profile: High. Risk profile: High. Risk profile: Moderately High. Risk profile: High. Risk profile: High. Risk profile: Moderate. Risk profile: Moderately High. Risk profile: Moderate. Risk profile: Moderately High. Risk profile: Moderate. Point 5 5Y return: 17.53% (upper mid). 5Y return: 4.33% (bottom quartile). 5Y return: 23.60% (top quartile). 5Y return: 21.23% (top quartile). 5Y return: 20.88% (upper mid). 1Y return: 8.76% (lower mid). 5Y return: 19.11% (upper mid). 1Y return: 8.43% (bottom quartile). 5Y return: 9.87% (lower mid). 1Y return: 8.06% (bottom quartile). Point 6 3Y return: 22.67% (top quartile). 3Y return: 16.83% (upper mid). 3Y return: 25.58% (top quartile). 3Y return: 16.65% (upper mid). 3Y return: 16.48% (lower mid). 1M return: 0.76% (lower mid). 3Y return: 17.74% (upper mid). 1M return: 0.27% (bottom quartile). 3Y return: 10.48% (lower mid). 1M return: 0.65% (lower mid). Point 7 1Y return: 27.84% (top quartile). 1Y return: 17.13% (top quartile). 1Y return: 12.14% (upper mid). 1Y return: 12.02% (upper mid). 1Y return: 11.15% (upper mid). Sharpe: 2.16 (top quartile). 1Y return: 8.57% (lower mid). Sharpe: 1.73 (top quartile). 1Y return: 8.13% (bottom quartile). Sharpe: 1.46 (upper mid). Point 8 Alpha: -2.48 (bottom quartile). Alpha: 0.00 (upper mid). Alpha: 11.03 (top quartile). Alpha: -6.06 (bottom quartile). Alpha: -2.57 (bottom quartile). Information ratio: 0.00 (lower mid). Alpha: 3.91 (top quartile). Information ratio: 0.00 (lower mid). 1M return: 0.65% (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Sharpe: 0.77 (upper mid). Sharpe: 0.49 (upper mid). Sharpe: 0.03 (lower mid). Sharpe: -0.18 (bottom quartile). Sharpe: 0.03 (lower mid). Yield to maturity (debt): 7.93% (top quartile). Sharpe: -0.37 (bottom quartile). Yield to maturity (debt): 5.01% (upper mid). Alpha: 0.00 (lower mid). Yield to maturity (debt): 6.61% (upper mid). Point 10 Information ratio: -0.62 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: 1.26 (top quartile). Information ratio: 0.14 (upper mid). Information ratio: 0.32 (top quartile). Modified duration: 2.30 yrs (bottom quartile). Information ratio: 0.19 (upper mid). Modified duration: 0.54 yrs (lower mid). Sharpe: -0.06 (bottom quartile). Modified duration: 1.70 yrs (bottom quartile). DSP US Flexible Equity Fund
Franklin Asian Equity Fund
Invesco India Growth Opportunities Fund
Aditya Birla Sun Life Banking And Financial Services Fund
ICICI Prudential Banking and Financial Services Fund
Axis Credit Risk Fund
Kotak Standard Multicap Fund
PGIM India Credit Risk Fund
ICICI Prudential MIP 25
UTI Banking & PSU Debt Fund
The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of BGF – USFEF. The Scheme may, at the discretion of the Investment Manager also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or money market/liquid schemes of DSP BlackRock Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized. It shall be noted ‘similar overseas mutual fund schemes’ shall have investment objective, investment strategy and risk profile/consideration similar to those of BGF – USFEF. Research Highlights for DSP US Flexible Equity Fund Below is the key information for DSP US Flexible Equity Fund Returns up to 1 year are on An open-end diversified equity fund that seeks to provide medium to long term appreciation through investments primarily in Asian Companies / sectors (excluding Japan) with long term potential across market capitalisation. Research Highlights for Franklin Asian Equity Fund Below is the key information for Franklin Asian Equity Fund Returns up to 1 year are on (Erstwhile Invesco India Growth Fund) The investment objective of the Scheme is to generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities. However, there can be no assurance that the objectives of the scheme will be achieved. Research Highlights for Invesco India Growth Opportunities Fund Below is the key information for Invesco India Growth Opportunities Fund Returns up to 1 year are on The primary 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. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes’ objectives will be achieved. Research Highlights for Aditya Birla Sun Life Banking And Financial Services Fund Below is the key information for Aditya Birla Sun Life Banking And Financial Services Fund Returns up to 1 year are on ICICI Prudential Banking and Financial Services Fund is an Open-ended equity scheme that seeks to generate long-term capital appreciation to unitholders from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services. However, there can be no assurance that the investment objective of the Scheme will be realized. Research Highlights for ICICI Prudential Banking and Financial Services Fund Below is the key information for ICICI Prudential Banking and Financial Services Fund Returns up to 1 year are on (Erstwhile Axis Fixed Income Opportunities Fund) To generate stable returns by investing in debt & money market instruments across the yield curve & credit spectrum. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns Research Highlights for Axis Credit Risk Fund Below is the key information for Axis Credit Risk Fund Returns up to 1 year are on (Erstwhile Kotak Select Focus Fund) The investment objective of the scheme is to generate long term appreciation from the portfolio of equity and equity related sectors, generally focussed on few selected sectors. Research Highlights for Kotak Standard Multicap Fund Below is the key information for Kotak Standard Multicap Fund Returns up to 1 year are on (Erstwhile DHFL Pramerica Credit Opportunities Fund) The investment objective of the Scheme is to generate income and capital appreciation by investing predominantly in corporate debt. There can be no assurance that the investment objective of the Scheme will be realized. Research Highlights for PGIM India Credit Risk Fund Below is the key information for PGIM India Credit Risk Fund Returns up to 1 year are on The Scheme seeks to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme. However, there can be no assurance that the investment objectives of the Scheme will be realized. Research Highlights for ICICI Prudential MIP 25 Below is the key information for ICICI Prudential MIP 25 Returns up to 1 year are on The investment objective of the scheme is to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of predominantly debt & money market securities by Banks and Public Sector Undertakings (PSUs). Research Highlights for UTI Banking & PSU Debt Fund Below is the key information for UTI Banking & PSU Debt Fund Returns up to 1 year are on 1. DSP US Flexible Equity Fund
DSP US Flexible Equity Fund
Growth Launch Date 3 Aug 12 NAV (23 Oct 25) ₹71.1391 ↑ 0.62 (0.88 %) Net Assets (Cr) ₹1,000 on 31 Aug 25 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆☆ Risk High Expense Ratio 1.55 Sharpe Ratio 0.77 Information Ratio -0.62 Alpha Ratio -2.48 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Sub Cat. Global Growth of 10,000 investment over the years.
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹13,082 30 Sep 22 ₹12,159 30 Sep 23 ₹14,648 30 Sep 24 ₹18,122 30 Sep 25 ₹23,384 Returns for DSP US Flexible Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Oct 25 Duration Returns 1 Month -0.8% 3 Month 10.7% 6 Month 37.4% 1 Year 27.8% 3 Year 22.7% 5 Year 17.5% 10 Year 15 Year Since launch 16% Historical performance (Yearly) on absolute basis
Year Returns 2024 17.8% 2023 22% 2022 -5.9% 2021 24.2% 2020 22.6% 2019 27.5% 2018 -1.1% 2017 15.5% 2016 9.8% 2015 2.5% Fund Manager information for DSP US Flexible Equity Fund
Name Since Tenure Jay Kothari 1 Mar 13 12.51 Yr. Data below for DSP US Flexible Equity Fund as on 31 Aug 25
Equity Sector Allocation
Sector Value Technology 33.83% Financial Services 17% Communication Services 13.87% Health Care 10.58% Consumer Cyclical 10.54% Industrials 6.42% Basic Materials 3.05% Energy 2.38% Asset Allocation
Asset Class Value Cash 2.31% Equity 97.67% Debt 0.02% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF US Flexible Equity I2
Investment Fund | -99% ₹992 Cr 2,024,037 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -1% ₹9 Cr Net Receivables/Payables
Net Current Assets | -0% -₹2 Cr 2. Franklin Asian Equity Fund
Franklin Asian Equity Fund
Growth Launch Date 16 Jan 08 NAV (23 Oct 25) ₹34.4723 ↓ -0.10 (-0.29 %) Net Assets (Cr) ₹260 on 31 Aug 25 Category Equity - Global AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆☆☆ Risk High Expense Ratio 2.54 Sharpe Ratio 0.49 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-3 Years (1%),3 Years and above(NIL) Sub Cat. Global Growth of 10,000 investment over the years.
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹11,378 30 Sep 22 ₹8,513 30 Sep 23 ₹9,152 30 Sep 24 ₹11,434 30 Sep 25 ₹12,785 Returns for Franklin Asian Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Oct 25 Duration Returns 1 Month 2.2% 3 Month 8% 6 Month 23.8% 1 Year 17.1% 3 Year 16.8% 5 Year 4.3% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 14.4% 2023 0.7% 2022 -14.5% 2021 -5.9% 2020 25.8% 2019 28.2% 2018 -13.6% 2017 35.5% 2016 7.2% 2015 -4.6% Fund Manager information for Franklin Asian Equity Fund
Name Since Tenure Sandeep Manam 18 Oct 21 3.87 Yr. Shyam Sriram 26 Sep 24 0.93 Yr. Data below for Franklin Asian Equity Fund as on 31 Aug 25
Equity Sector Allocation
Sector Value Consumer Cyclical 23.88% Financial Services 23.34% Technology 23.16% Industrials 7.52% Communication Services 6.1% Consumer Defensive 4.33% Health Care 3.89% Basic Materials 2.49% Real Estate 2.11% Utility 1.2% Asset Allocation
Asset Class Value Cash 1.99% Equity 98.01% Top Securities Holdings / Portfolio
Name Holding Value Quantity Taiwan Semiconductor Manufacturing Co Ltd (Technology)
Equity, Since 31 Mar 09 | 23309% ₹24 Cr 71,000
↓ -8,000 Tencent Holdings Ltd (Communication Services)
Equity, Since 31 Jul 14 | 007006% ₹16 Cr 23,500
↓ -1,100 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 24 | HDFCBANK5% ₹14 Cr 143,242
↑ 6,748 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 24 | ICICIBANK5% ₹13 Cr 92,546
↑ 5,049 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Jul 21 | 5433203% ₹9 Cr 274,237
↓ -13,269 Samsung Electronics Co Ltd (Technology)
Equity, Since 31 Mar 08 | 0059303% ₹8 Cr 18,979
↑ 916 MediaTek Inc (Technology)
Equity, Since 31 Aug 20 | 24543% ₹8 Cr 21,000
↓ -1,000 AIA Group Ltd (Financial Services)
Equity, Since 31 Mar 12 | 012993% ₹8 Cr 91,200
↓ -4,400 Alibaba Group Holding Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Dec 20 | 099883% ₹7 Cr 56,904
↓ -2,700 Contemporary Amperex Technology Co Ltd Class A (Industrials)
Equity, Since 30 Apr 24 | 3007503% ₹7 Cr 18,100
↓ -800 3. Invesco India Growth Opportunities Fund
Invesco India Growth Opportunities Fund
Growth Launch Date 9 Aug 07 NAV (24 Oct 25) ₹103.75 ↓ -0.38 (-0.36 %) Net Assets (Cr) ₹8,125 on 31 Aug 25 Category Equity - Large & Mid Cap AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.82 Sharpe Ratio 0.03 Information Ratio 1.26 Alpha Ratio 11.03 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Sub Cat. Large & Mid Cap Growth of 10,000 investment over the years.
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹14,981 30 Sep 22 ₹14,705 30 Sep 23 ₹17,365 30 Sep 24 ₹27,973 30 Sep 25 ₹28,281 Returns for Invesco India Growth Opportunities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Oct 25 Duration Returns 1 Month 1.8% 3 Month 0.5% 6 Month 12.5% 1 Year 12.1% 3 Year 25.6% 5 Year 23.6% 10 Year 15 Year Since launch 13.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 37.5% 2023 31.6% 2022 -0.4% 2021 29.7% 2020 13.3% 2019 10.7% 2018 -0.2% 2017 39.6% 2016 3.3% 2015 3.8% Fund Manager information for Invesco India Growth Opportunities Fund
Name Since Tenure Aditya Khemani 9 Nov 23 1.81 Yr. Amit Ganatra 21 Jan 22 3.61 Yr. Data below for Invesco India Growth Opportunities Fund as on 31 Aug 25
Equity Sector Allocation
Sector Value Financial Services 27.29% Consumer Cyclical 20.16% Health Care 20.02% Industrials 13.09% Real Estate 6.87% Technology 5.99% Basic Materials 4.33% Communication Services 1.69% Asset Allocation
Asset Class Value Cash 0.56% Equity 99.42% Top Securities Holdings / Portfolio
Name Holding Value Quantity Trent Ltd (Consumer Cyclical)
Equity, Since 28 Feb 22 | TRENT5% ₹432 Cr 815,029 Eternal Ltd (Consumer Cyclical)
Equity, Since 30 Jun 23 | 5433205% ₹430 Cr 13,689,301
↑ 1,720,863 InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Mar 24 | INDIGO5% ₹422 Cr 747,445
↑ 32,614 Max Healthcare Institute Ltd Ordinary Shares (Healthcare)
Equity, Since 30 Nov 22 | 5432205% ₹420 Cr 3,641,271
↑ 322,602 Swiggy Ltd (Consumer Cyclical)
Equity, Since 30 Nov 24 | SWIGGY4% ₹365 Cr 8,909,867 Sai Life Sciences Ltd (Healthcare)
Equity, Since 31 Dec 24 | SAILIFE4% ₹353 Cr 4,283,799
↑ 1,156,100 Cholamandalam Investment and Finance Co Ltd (Financial Services)
Equity, Since 28 Feb 23 | CHOLAFIN4% ₹348 Cr 2,449,413
↑ 35,677 BSE Ltd (Financial Services)
Equity, Since 31 Oct 23 | BSE4% ₹331 Cr 1,580,775 Prestige Estates Projects Ltd (Real Estate)
Equity, Since 31 Dec 23 | PRESTIGE4% ₹299 Cr 1,914,877 L&T Finance Ltd (Financial Services)
Equity, Since 30 Apr 24 | LTF4% ₹291 Cr 13,404,597 4. Aditya Birla Sun Life Banking And Financial Services Fund
Aditya Birla Sun Life Banking And Financial Services Fund
Growth Launch Date 14 Dec 13 NAV (24 Oct 25) ₹63.09 ↓ -0.04 (-0.06 %) Net Assets (Cr) ₹3,374 on 31 Aug 25 Category Equity - Sectoral AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk High Expense Ratio 1.99 Sharpe Ratio -0.18 Information Ratio 0.14 Alpha Ratio -6.06 Min Investment 1,000 Min SIP Investment 1,000 Exit Load 0-365 Days (1%),365 Days and above(NIL) Sub Cat. Sectoral Growth of 10,000 investment over the years.
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹17,779 30 Sep 22 ₹17,350 30 Sep 23 ₹21,687 30 Sep 24 ₹26,653 30 Sep 25 ₹27,010 Returns for Aditya Birla Sun Life Banking And Financial Services Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Oct 25 Duration Returns 1 Month 4.1% 3 Month 2.3% 6 Month 6% 1 Year 12% 3 Year 16.6% 5 Year 21.2% 10 Year 15 Year Since launch 16.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.7% 2023 21.7% 2022 11.5% 2021 16.8% 2020 1.1% 2019 14.9% 2018 -2.4% 2017 47.6% 2016 15.7% 2015 -0.5% Fund Manager information for Aditya Birla Sun Life Banking And Financial Services Fund
Name Since Tenure Dhaval Gala 26 Aug 15 10.02 Yr. Dhaval Joshi 21 Nov 22 2.78 Yr. Data below for Aditya Birla Sun Life Banking And Financial Services Fund as on 31 Aug 25
Equity Sector Allocation
Sector Value Financial Services 96.39% Technology 1.15% Asset Allocation
Asset Class Value Cash 2.46% Equity 97.54% Other 0% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 13 | ICICIBANK20% ₹689 Cr 4,927,929 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 13 | HDFCBANK19% ₹626 Cr 6,583,496 Axis Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | AXISBANK7% ₹241 Cr 2,302,100 State Bank of India (Financial Services)
Equity, Since 31 Oct 17 | SBIN6% ₹218 Cr 2,718,689 Bajaj Finance Ltd (Financial Services)
Equity, Since 30 Sep 16 | BAJFINANCE6% ₹188 Cr 2,137,250 HDB Financial Services Ltd (Financial Services)
Equity, Since 30 Jun 25 | HDBFS3% ₹111 Cr 1,429,781 Cholamandalam Financial Holdings Ltd (Financial Services)
Equity, Since 31 Jan 20 | CHOLAHLDNG3% ₹108 Cr 623,906 ICICI Lombard General Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 19 | ICICIGI3% ₹104 Cr 565,076 AU Small Finance Bank Ltd (Financial Services)
Equity, Since 30 Nov 23 | AUBANK3% ₹104 Cr 1,446,861 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jan 19 | KOTAKBANK3% ₹92 Cr 469,972 5. ICICI Prudential Banking and Financial Services Fund
ICICI Prudential Banking and Financial Services Fund
Growth Launch Date 22 Aug 08 NAV (24 Oct 25) ₹137.3 ↓ -0.62 (-0.45 %) Net Assets (Cr) ₹9,688 on 31 Aug 25 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆☆ Risk High Expense Ratio 1.83 Sharpe Ratio 0.03 Information Ratio 0.32 Alpha Ratio -2.57 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Sub Cat. Sectoral Growth of 10,000 investment over the years.
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹17,263 30 Sep 22 ₹17,101 30 Sep 23 ₹20,162 30 Sep 24 ₹25,799 30 Sep 25 ₹26,594 Returns for ICICI Prudential Banking and Financial Services Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Oct 25 Duration Returns 1 Month 3.1% 3 Month 1.5% 6 Month 6.1% 1 Year 11.1% 3 Year 16.5% 5 Year 20.9% 10 Year 15 Year Since launch 16.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 11.6% 2023 17.9% 2022 11.9% 2021 23.5% 2020 -5.5% 2019 14.5% 2018 -0.4% 2017 45.1% 2016 21.1% 2015 -7.2% Fund Manager information for ICICI Prudential Banking and Financial Services Fund
Name Since Tenure Roshan Chutkey 29 Jan 18 7.59 Yr. Sharmila D’mello 30 Jun 22 3.17 Yr. Data below for ICICI Prudential Banking and Financial Services Fund as on 31 Aug 25
Equity Sector Allocation
Sector Value Financial Services 95.04% Health Care 1.4% Industrials 0.33% Asset Allocation
Asset Class Value Cash 3.23% Equity 96.77% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 08 | ICICIBANK21% ₹1,988 Cr 14,219,497
↑ 131,277 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 08 | HDFCBANK19% ₹1,842 Cr 19,359,856
↑ 1,349,342 Axis Bank Ltd (Financial Services)
Equity, Since 28 Feb 19 | AXISBANK8% ₹790 Cr 7,555,437 State Bank of India (Financial Services)
Equity, Since 31 Oct 08 | SBIN8% ₹762 Cr 9,489,675 SBI Life Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 17 | SBILIFE5% ₹522 Cr 2,892,347 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jan 23 | KOTAKBANK5% ₹462 Cr 2,356,388 HDFC Life Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 23 | HDFCLIFE4% ₹394 Cr 5,099,696
↑ 1,537 Max Financial Services Ltd (Financial Services)
Equity, Since 31 Aug 19 | MFSL3% ₹264 Cr 1,649,161
↓ -199,065 ICICI Lombard General Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 19 | ICICIGI3% ₹249 Cr 1,355,046 LIC Housing Finance Ltd (Financial Services)
Equity, Since 30 Nov 24 | LICHSGFIN2% ₹192 Cr 3,450,348
↑ 866,055 6. Axis Credit Risk Fund
Axis Credit Risk Fund
Growth Launch Date 15 Jul 14 NAV (24 Oct 25) ₹21.9801 ↓ -0.01 (-0.03 %) Net Assets (Cr) ₹366 on 15 Sep 25 Category Debt - Credit Risk AMC Axis Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 1.57 Sharpe Ratio 2.16 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-12 Months (1%),12 Months and above(NIL) Yield to Maturity 7.93% Effective Maturity 2 Years 9 Months 4 Days Modified Duration 2 Years 3 Months 18 Days Sub Cat. Credit Risk Growth of 10,000 investment over the years.
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹10,749 30 Sep 22 ₹11,109 30 Sep 23 ₹11,878 30 Sep 24 ₹12,830 30 Sep 25 ₹13,928 Returns for Axis Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Oct 25 Duration Returns 1 Month 0.8% 3 Month 1.9% 6 Month 3.9% 1 Year 8.8% 3 Year 8% 5 Year 6.8% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 8% 2023 7% 2022 4% 2021 6% 2020 8.2% 2019 4.4% 2018 5.9% 2017 6.4% 2016 9.8% 2015 8.7% Fund Manager information for Axis Credit Risk Fund
Name Since Tenure Devang Shah 15 Jul 14 11.14 Yr. Akhil Thakker 9 Nov 21 3.81 Yr. Data below for Axis Credit Risk Fund as on 15 Sep 25
Asset Allocation
Asset Class Value Cash 10.15% Equity 3.04% Debt 86.32% Other 0.48% Debt Sector Allocation
Sector Value Corporate 75.38% Cash Equivalent 10.15% Government 8.21% Securitized 2.73% Credit Quality
Rating Value A 14.32% AA 57.78% AAA 27.9% Top Securities Holdings / Portfolio
Name Holding Value Quantity Jubilant Bevco Limited
Debentures | -4% ₹16 Cr 1,500 Aditya Birla Renewables Limited
Debentures | -4% ₹15 Cr 1,500 Nirma Limited
Debentures | -4% ₹15 Cr 1,500 Narayana Hrudayalaya Limited
Debentures | -4% ₹15 Cr 1,500 Infopark Properties Limited
Debentures | -4% ₹15 Cr 1,500 Aditya Birla Digital Fashion Ventures Limited
Debentures | -4% ₹15 Cr 1,500 Delhi International Airport Limited
Debentures | -4% ₹15 Cr 150 Altius Telecom Infrastructure Trust
Debentures | -4% ₹15 Cr 1,500 7.18% Govt Stock 2033
Sovereign Bonds | -3% ₹12 Cr 1,200,000 Vedanta Limited
Debentures | -3% ₹12 Cr 1,200 7. Kotak Standard Multicap Fund
Kotak Standard Multicap Fund
Growth Launch Date 11 Sep 09 NAV (24 Oct 25) ₹87.047 ↓ -0.28 (-0.32 %) Net Assets (Cr) ₹53,626 on 31 Aug 25 Category Equity - Multi Cap AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.47 Sharpe Ratio -0.37 Information Ratio 0.19 Alpha Ratio 3.91 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Sub Cat. Multi Cap Growth of 10,000 investment over the years.
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹15,201 30 Sep 22 ₹14,967 30 Sep 23 ₹17,785 30 Sep 24 ₹24,378 30 Sep 25 ₹24,102 Returns for Kotak Standard Multicap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Oct 25 Duration Returns 1 Month 2.3% 3 Month 1.4% 6 Month 8.5% 1 Year 8.6% 3 Year 17.7% 5 Year 19.1% 10 Year 15 Year Since launch 14.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 16.5% 2023 24.2% 2022 5% 2021 25.4% 2020 11.8% 2019 12.3% 2018 -0.9% 2017 34.3% 2016 9.4% 2015 3% Fund Manager information for Kotak Standard Multicap Fund
Name Since Tenure Harsha Upadhyaya 4 Aug 12 13.08 Yr. Data below for Kotak Standard Multicap Fund as on 31 Aug 25
Equity Sector Allocation
Sector Value Financial Services 25.47% Industrials 19.95% Basic Materials 14.39% Consumer Cyclical 10.72% Technology 7.19% Energy 5.69% Utility 3.47% Health Care 3.18% Communication Services 3.03% Consumer Defensive 2.58% Asset Allocation
Asset Class Value Cash 4.33% Equity 95.67% Other 0% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 30 Sep 10 | ICICIBANK7% ₹3,704 Cr 26,500,000 Bharat Electronics Ltd (Industrials)
Equity, Since 31 Aug 14 | BEL6% ₹3,177 Cr 86,000,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK6% ₹3,045 Cr 32,000,000 UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Mar 14 | ULTRACEMCO4% ₹2,180 Cr 1,725,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Sep 13 | LT4% ₹2,017 Cr 5,600,000 State Bank of India (Financial Services)
Equity, Since 31 Jan 12 | SBIN4% ₹1,910 Cr 23,800,000 Jindal Steel Ltd (Basic Materials)
Equity, Since 31 Mar 18 | JINDALSTEL3% ₹1,797 Cr 19,000,000 SRF Ltd (Industrials)
Equity, Since 31 Dec 18 | SRF3% ₹1,773 Cr 6,250,000 Infosys Ltd (Technology)
Equity, Since 30 Nov 10 | INFY3% ₹1,690 Cr 11,500,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 May 12 | AXISBANK3% ₹1,672 Cr 16,000,000 8. PGIM India Credit Risk Fund
PGIM India Credit Risk Fund
Growth Launch Date 29 Sep 14 NAV (21 Jan 22) ₹15.5876 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹39 on 31 Dec 21 Category Debt - Credit Risk AMC Pramerica Asset Managers Private Limited Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 1.85 Sharpe Ratio 1.73 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Yield to Maturity 5.01% Effective Maturity 7 Months 2 Days Modified Duration 6 Months 14 Days Sub Cat. Credit Risk Growth of 10,000 investment over the years.
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹11,160 Returns for PGIM India Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Oct 25 Duration Returns 1 Month 0.3% 3 Month 0.6% 6 Month 4.4% 1 Year 8.4% 3 Year 3% 5 Year 4.2% 10 Year 15 Year Since launch 6.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Fund Manager information for PGIM India Credit Risk Fund
Name Since Tenure Data below for PGIM India Credit Risk Fund as on 31 Dec 21
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 9. ICICI Prudential MIP 25
ICICI Prudential MIP 25
Growth Launch Date 30 Mar 04 NAV (24 Oct 25) ₹77.3852 ↓ -0.08 (-0.11 %) Net Assets (Cr) ₹3,261 on 15 Sep 25 Category Hybrid - Hybrid Debt AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.67 Sharpe Ratio -0.06 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Sub Cat. Hybrid Debt Growth of 10,000 investment over the years.
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹11,547 30 Sep 22 ₹11,994 30 Sep 23 ₹13,113 30 Sep 24 ₹15,170 30 Sep 25 ₹16,064 Returns for ICICI Prudential MIP 25
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Oct 25 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 4.5% 1 Year 8.1% 3 Year 10.5% 5 Year 9.9% 10 Year 15 Year Since launch 10% Historical performance (Yearly) on absolute basis
Year Returns 2024 11.4% 2023 11.4% 2022 5.1% 2021 9.9% 2020 10.9% 2019 9.6% 2018 5.1% 2017 12.9% 2016 10.9% 2015 6.4% Fund Manager information for ICICI Prudential MIP 25
Name Since Tenure Manish Banthia 19 Sep 13 11.96 Yr. Akhil Kakkar 22 Jan 24 1.61 Yr. Roshan Chutkey 2 May 22 3.34 Yr. Sharmila D’mello 31 Jul 22 3.09 Yr. Data below for ICICI Prudential MIP 25 as on 15 Sep 25
Asset Allocation
Asset Class Value Cash 8.92% Equity 23.68% Debt 67.11% Other 0.29% Equity Sector Allocation
Sector Value Financial Services 6.97% Consumer Cyclical 3.54% Health Care 2.82% Communication Services 1.87% Real Estate 1.57% Energy 1.32% Technology 1.21% Basic Materials 1.18% Industrials 1.13% Utility 1.12% Consumer Defensive 0.96% Debt Sector Allocation
Sector Value Corporate 42.58% Government 25.92% Cash Equivalent 5.22% Securitized 2.3% Credit Quality
Rating Value A 5.53% AA 35.59% AAA 58.88% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.99% Govt Stock 2034
Sovereign Bonds | -5% ₹169 Cr 16,574,750 6.9% Govt Stock 2065
Sovereign Bonds | -4% ₹143 Cr 15,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹111 Cr 10,775,880 National Bank For Agriculture And Rural Development
Debentures | -3% ₹101 Cr 10,000 State Bank Of India
Debentures | -3% ₹100 Cr 1,000 L&T Metro Rail (Hyderabad) Limited
Debentures | -2% ₹80 Cr 800 360 One Prime Limited
Debentures | -2% ₹76 Cr 7,500 6.33% Govt Stock 2035
Sovereign Bonds | -2% ₹74 Cr 7,500,000
↓ -2,500,000 Yes Bank Limited
Debentures | -2% ₹65 Cr 650 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Jun 19 | ICICIBANK2% ₹53 Cr 372,298 10. UTI Banking & PSU Debt Fund
UTI Banking & PSU Debt Fund
Growth Launch Date 3 Feb 14 NAV (24 Oct 25) ₹22.4188 ↓ 0.00 (-0.01 %) Net Assets (Cr) ₹813 on 31 Aug 25 Category Debt - Banking & PSU Debt AMC UTI Asset Management Company Ltd Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 0.54 Sharpe Ratio 1.46 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.61% Effective Maturity 1 Year 11 Months 8 Days Modified Duration 1 Year 8 Months 12 Days Sub Cat. Banking & PSU Debt Growth of 10,000 investment over the years.
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹10,397 30 Sep 22 ₹11,347 30 Sep 23 ₹12,110 30 Sep 24 ₹13,056 30 Sep 25 ₹14,094 Returns for UTI Banking & PSU Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Oct 25 Duration Returns 1 Month 0.7% 3 Month 1.3% 6 Month 3.4% 1 Year 8.1% 3 Year 7.7% 5 Year 7% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.6% 2023 6.7% 2022 10.3% 2021 2.8% 2020 8.9% 2019 -1% 2018 6.8% 2017 6.4% 2016 11.7% 2015 8.6% Fund Manager information for UTI Banking & PSU Debt Fund
Name Since Tenure Anurag Mittal 1 Dec 21 3.75 Yr. Data below for UTI Banking & PSU Debt Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 5.26% Debt 94.41% Other 0.33% Debt Sector Allocation
Sector Value Corporate 54.74% Government 39.67% Cash Equivalent 5.26% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.38% Govt Stock 2027
Sovereign Bonds | -11% ₹92 Cr 900,000,000 Axis Bank Limited
Debentures | -7% ₹55 Cr 550 Export Import Bank Of India
Debentures | -6% ₹51 Cr 5,000 Small Industries Development Bank Of India
Debentures | -6% ₹51 Cr 5,000 Power Finance Corporation Limited
Debentures | -5% ₹41 Cr 400 Rural Electrification Corporation Limited
Debentures | -4% ₹36 Cr 3,500 National Housing Bank
Debentures | -4% ₹36 Cr 3,500 HDFC Bank Limited
Debentures | -4% ₹35 Cr 350 Indian Railway Finance Corporation Limited
Debentures | -4% ₹31 Cr 300 National Bank For Agriculture And Rural Development
Debentures | -4% ₹30 Cr 3,000
How to Choose the Best Performing Mutual Fund?
The best way to spot a good fund by yourself is by looking at both its qualitative and quantitative measures-
Fund Performance
Investors should do a fair assessment of the funds’ performances for over a period of time. It is suggested to go choose a fund that consistently beats its benchmark for over 4-5 years.
AUM
AUM is the Asset Under Management. One should always go for a fund that is neither too big nor too small in size. While there is no perfect definition and relation between the size of the fund, it is said that both too small and too large, can hinder a fund’s performance.
Fund Manager
It is advisable to go for a fund manager who has been consistent over his career. As, a fund manager is responsible for making investment decisions for the fund’s portfolio, it becomes important to consider a fund managed by an experienced fund manager.
Fund House Reputation
It is important to always look at the quality & reputation of the fund house. A fund house with a strong-consistent track record, start funds/good performing funds, etc., is the one to invest in.
How to Invest in Mutual Fund Online?
Open Free Investment Account for Lifetime at Fincash.com.
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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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