+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 ₹75.3912
↑ 0.12 ₹1,091 11.3 28.6 33.4 21.9 17.3 17.8 Franklin Asian Equity Fund Growth ₹34.7142
↑ 0.11 ₹297 8.5 18.5 23.1 11.3 3.2 14.4 ICICI Prudential Banking and Financial Services Fund Growth ₹138.86
↓ -1.00 ₹10,593 6.6 4.3 13.9 14.7 17.2 11.6 Aditya Birla Sun Life Banking And Financial Services Fund Growth ₹63.97
↓ -0.54 ₹3,606 9.6 6.2 13.5 15.2 16.4 8.7 Axis Credit Risk Fund Growth ₹22.1799
↑ 0.01 ₹367 2.3 3.8 8.7 7.9 6.8 8 PGIM India Credit Risk Fund Growth ₹15.5876
↑ 0.00 ₹39 0.6 4.4 8.4 3 4.2 Invesco India Growth Opportunities Fund Growth ₹102.98
↓ -0.31 ₹9,034 2.5 7.3 8.4 23.2 21.6 37.5 ICICI Prudential MIP 25 Growth ₹77.8765
↑ 0.03 ₹3,376 2.2 3.8 8 10 9.4 11.4 UTI Banking & PSU Debt Fund Growth ₹22.5492
↑ 0.00 ₹804 1.7 2.8 7.9 7.4 7 7.6 HDFC Banking and PSU Debt Fund Growth ₹23.6323
↑ 0.01 ₹5,901 2 2.2 7.8 7.5 5.9 7.9 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Dec 25 Research Highlights & Commentary of 10 Funds showcased
Commentary DSP US Flexible Equity Fund Franklin Asian Equity Fund ICICI Prudential Banking and Financial Services Fund Aditya Birla Sun Life Banking And Financial Services Fund Axis Credit Risk Fund PGIM India Credit Risk Fund Invesco India Growth Opportunities Fund ICICI Prudential MIP 25 UTI Banking & PSU Debt Fund HDFC Banking and PSU Debt Fund Point 1 Lower mid AUM (₹1,091 Cr). Bottom quartile AUM (₹297 Cr). Highest AUM (₹10,593 Cr). Upper mid AUM (₹3,606 Cr). Bottom quartile AUM (₹367 Cr). Bottom quartile AUM (₹39 Cr). Top quartile AUM (₹9,034 Cr). Upper mid AUM (₹3,376 Cr). Lower mid AUM (₹804 Cr). Upper mid AUM (₹5,901 Cr). Point 2 Established history (13+ yrs). Established history (17+ yrs). Established history (17+ yrs). Established history (11+ yrs). Established history (11+ yrs). Established history (11+ yrs). Established history (18+ yrs). Oldest track record among peers (21 yrs). Established history (11+ 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: High. Risk profile: High. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderate. Risk profile: Moderately Low. Point 5 5Y return: 17.26% (top quartile). 5Y return: 3.16% (bottom quartile). 5Y return: 17.23% (upper mid). 5Y return: 16.44% (upper mid). 1Y return: 8.75% (upper mid). 1Y return: 8.43% (lower mid). 5Y return: 21.61% (top quartile). 5Y return: 9.43% (upper mid). 1Y return: 7.90% (bottom quartile). 1Y return: 7.76% (bottom quartile). Point 6 3Y return: 21.91% (top quartile). 3Y return: 11.26% (upper mid). 3Y return: 14.71% (upper mid). 3Y return: 15.19% (upper mid). 1M return: 0.73% (upper mid). 1M return: 0.27% (bottom quartile). 3Y return: 23.20% (top quartile). 3Y return: 10.03% (lower mid). 1M return: 0.48% (lower mid). 1M return: 0.51% (lower mid). Point 7 1Y return: 33.42% (top quartile). 1Y return: 23.11% (top quartile). 1Y return: 13.94% (upper mid). 1Y return: 13.48% (upper mid). Sharpe: 2.49 (top quartile). Sharpe: 1.73 (top quartile). 1Y return: 8.37% (lower mid). 1Y return: 8.01% (bottom quartile). Sharpe: 1.56 (upper mid). Sharpe: 0.87 (lower mid). Point 8 Alpha: 3.17 (top quartile). Alpha: 0.00 (upper mid). Alpha: -2.18 (bottom quartile). Alpha: -3.75 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Alpha: 5.34 (top quartile). 1M return: 0.58% (upper mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Sharpe: 1.31 (upper mid). Sharpe: 1.41 (upper mid). Sharpe: 0.44 (bottom quartile). Sharpe: 0.38 (bottom quartile). Yield to maturity (debt): 8.08% (top quartile). Yield to maturity (debt): 5.01% (upper mid). Sharpe: 0.37 (bottom quartile). Alpha: 0.00 (lower mid). Yield to maturity (debt): 6.50% (upper mid). Yield to maturity (debt): 6.85% (upper mid). Point 10 Information ratio: -0.28 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.26 (top quartile). Information ratio: 0.26 (upper mid). Modified duration: 2.15 yrs (bottom quartile). Modified duration: 0.54 yrs (lower mid). Information ratio: 1.00 (top quartile). Sharpe: 0.52 (lower mid). Modified duration: 1.54 yrs (lower mid). Modified duration: 3.22 yrs (bottom quartile). DSP US Flexible Equity Fund
Franklin Asian Equity Fund
ICICI Prudential Banking and Financial Services Fund
Aditya Birla Sun Life Banking And Financial Services Fund
Axis Credit Risk Fund
PGIM India Credit Risk Fund
Invesco India Growth Opportunities Fund
ICICI Prudential MIP 25
UTI Banking & PSU Debt Fund
HDFC Banking and 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 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 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 (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 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 (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 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 To generate regular income through investments in debt and money market instruments consisting predominantly of securities issued by entities such as Scheduled Commercial Banks and Public Sector undertakings. There is no assurance that the investment objective of the Scheme will be realized. Research Highlights for HDFC Banking and PSU Debt Fund Below is the key information for HDFC Banking and 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 (01 Dec 25) ₹75.3912 ↑ 0.12 (0.16 %) Net Assets (Cr) ₹1,091 on 31 Oct 25 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆☆ Risk High Expense Ratio 1.55 Sharpe Ratio 1.31 Information Ratio -0.28 Alpha Ratio 3.17 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 Nov 20 ₹10,000 30 Nov 21 ₹12,181 30 Nov 22 ₹11,920 30 Nov 23 ₹13,602 30 Nov 24 ₹16,600 30 Nov 25 ₹22,112 Returns for DSP US Flexible Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Dec 25 Duration Returns 1 Month 1.1% 3 Month 11.3% 6 Month 28.6% 1 Year 33.4% 3 Year 21.9% 5 Year 17.3% 10 Year 15 Year Since launch 16.4% 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 12.68 Yr. Data below for DSP US Flexible Equity Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Technology 33.83% Financial Services 15.55% Communication Services 14.86% Health Care 10.2% Consumer Cyclical 9.26% Industrials 5.95% Basic Materials 2.62% Energy 2.29% Asset Allocation
Asset Class Value Cash 5.4% Equity 94.56% Debt 0.04% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF US Flexible Equity I2
Investment Fund | -99% ₹1,080 Cr 1,994,958 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -1% ₹13 Cr Net Receivables/Payables
Net Current Assets | -0% -₹3 Cr 2. Franklin Asian Equity Fund
Franklin Asian Equity Fund
Growth Launch Date 16 Jan 08 NAV (01 Dec 25) ₹34.7142 ↑ 0.11 (0.32 %) Net Assets (Cr) ₹297 on 31 Oct 25 Category Equity - Global AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆☆☆ Risk High Expense Ratio 2.54 Sharpe Ratio 1.41 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 Nov 20 ₹10,000 30 Nov 21 ₹9,748 30 Nov 22 ₹8,267 30 Nov 23 ₹8,125 30 Nov 24 ₹9,344 30 Nov 25 ₹11,467 Returns for Franklin Asian Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Dec 25 Duration Returns 1 Month -1.7% 3 Month 8.5% 6 Month 18.5% 1 Year 23.1% 3 Year 11.3% 5 Year 3.2% 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 4.04 Yr. Shyam Sriram 26 Sep 24 1.1 Yr. Data below for Franklin Asian Equity Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Technology 29.12% Consumer Cyclical 21.82% Financial Services 20.16% Industrials 6.99% Communication Services 5.68% Health Care 4% Real Estate 3.43% Basic Materials 2.95% Consumer Defensive 1.56% Utility 1.13% Asset Allocation
Asset Class Value Cash 2.61% Equity 97.39% Top Securities Holdings / Portfolio
Name Holding Value Quantity Taiwan Semiconductor Manufacturing Co Ltd (Technology)
Equity, Since 31 Mar 09 | 233010% ₹29 Cr 67,000
↓ -4,000 Tencent Holdings Ltd (Communication Services)
Equity, Since 31 Jul 14 | 007006% ₹17 Cr 23,500 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 24 | HDFCBANK5% ₹16 Cr 162,069
↑ 18,827 Samsung Electronics Co Ltd (Technology)
Equity, Since 31 Mar 08 | 0059305% ₹14 Cr 20,911
↑ 1,932 SK Hynix Inc (Technology)
Equity, Since 30 Jun 20 | 0006604% ₹12 Cr 3,567 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 24 | ICICIBANK4% ₹11 Cr 82,151
↓ -10,395 Alibaba Group Holding Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Dec 20 | 099884% ₹10 Cr 55,304
↓ -1,600 Contemporary Amperex Technology Co Ltd Class A (Industrials)
Equity, Since 30 Apr 24 | 3007503% ₹9 Cr 18,100 MediaTek Inc (Technology)
Equity, Since 31 Aug 20 | 24543% ₹8 Cr 21,000 Hyundai Motor Co (Consumer Cyclical)
Equity, Since 31 Aug 22 | 0053802% ₹7 Cr 4,114 3. ICICI Prudential Banking and Financial Services Fund
ICICI Prudential Banking and Financial Services Fund
Growth Launch Date 22 Aug 08 NAV (02 Dec 25) ₹138.86 ↓ -1.00 (-0.72 %) Net Assets (Cr) ₹10,593 on 31 Oct 25 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆☆ Risk High Expense Ratio 1.83 Sharpe Ratio 0.44 Information Ratio 0.26 Alpha Ratio -2.18 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Sub Cat. Sectoral Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹13,072 30 Nov 22 ₹14,756 30 Nov 23 ₹16,381 30 Nov 24 ₹19,617 30 Nov 25 ₹22,467 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 1 Dec 25 Duration Returns 1 Month 1.5% 3 Month 6.6% 6 Month 4.3% 1 Year 13.9% 3 Year 14.7% 5 Year 17.2% 10 Year 15 Year Since launch 16.4% 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 7.76 Yr. Sharmila D’mello 30 Jun 22 3.34 Yr. Data below for ICICI Prudential Banking and Financial Services Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Financial Services 94.87% Health Care 1.44% Technology 0.53% Industrials 0.35% Asset Allocation
Asset Class Value Cash 2.8% Equity 97.2% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 08 | HDFCBANK21% ₹2,201 Cr 22,294,728
↑ 1,213,571 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 08 | ICICIBANK19% ₹1,985 Cr 14,758,497
↑ 539,000 State Bank of India (Financial Services)
Equity, Since 31 Oct 08 | SBIN8% ₹865 Cr 9,236,666
↓ -253,009 Axis Bank Ltd (Financial Services)
Equity, Since 28 Feb 19 | 5322158% ₹811 Cr 6,575,273
↓ -311,414 SBI Life Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 17 | SBILIFE6% ₹607 Cr 3,104,315 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jan 23 | KOTAKBANK5% ₹523 Cr 2,488,791
↓ -149,591 HDFC Life Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 23 | HDFCLIFE3% ₹358 Cr 4,884,950
↓ -214,746 ICICI Lombard General Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 19 | ICICIGI3% ₹270 Cr 1,355,046 Max Financial Services Ltd (Financial Services)
Equity, Since 31 Aug 19 | 5002712% ₹255 Cr 1,649,161 LIC Housing Finance Ltd (Financial Services)
Equity, Since 30 Nov 24 | LICHSGFIN2% ₹227 Cr 3,967,276
↑ 516,928 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 (02 Dec 25) ₹63.97 ↓ -0.54 (-0.84 %) Net Assets (Cr) ₹3,606 on 31 Oct 25 Category Equity - Sectoral AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk High Expense Ratio 1.99 Sharpe Ratio 0.38 Information Ratio 0.26 Alpha Ratio -3.75 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 Nov 20 ₹10,000 30 Nov 21 ₹12,650 30 Nov 22 ₹13,995 30 Nov 23 ₹16,045 30 Nov 24 ₹18,893 30 Nov 25 ₹21,671 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 1 Dec 25 Duration Returns 1 Month 2.1% 3 Month 9.6% 6 Month 6.2% 1 Year 13.5% 3 Year 15.2% 5 Year 16.4% 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 10.19 Yr. Data below for Aditya Birla Sun Life Banking And Financial Services Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Financial Services 96.6% Technology 1.14% Asset Allocation
Asset Class Value Cash 2.25% Equity 97.75% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 13 | ICICIBANK17% ₹629 Cr 4,677,929 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 13 | HDFCBANK16% ₹593 Cr 6,008,496
↓ -575,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | 5322158% ₹284 Cr 2,302,100 State Bank of India (Financial Services)
Equity, Since 31 Oct 17 | SBIN7% ₹255 Cr 2,718,689 Bajaj Finance Ltd (Financial Services)
Equity, Since 30 Sep 16 | 5000346% ₹223 Cr 2,137,250 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jan 19 | KOTAKBANK4% ₹149 Cr 709,333 Cholamandalam Financial Holdings Ltd (Financial Services)
Equity, Since 31 Jan 20 | CHOLAHLDNG3% ₹119 Cr 623,906 AU Small Finance Bank Ltd (Financial Services)
Equity, Since 30 Nov 23 | 5406113% ₹118 Cr 1,346,861
↓ -100,000 ICICI Lombard General Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 19 | ICICIGI3% ₹113 Cr 565,076 HDB Financial Services Ltd (Financial Services)
Equity, Since 30 Jun 25 | HDBFS3% ₹105 Cr 1,429,781 5. Axis Credit Risk Fund
Axis Credit Risk Fund
Growth Launch Date 15 Jul 14 NAV (02 Dec 25) ₹22.1799 ↑ 0.01 (0.06 %) Net Assets (Cr) ₹367 on 31 Oct 25 Category Debt - Credit Risk AMC Axis Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 1.57 Sharpe Ratio 2.49 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 8.08% Effective Maturity 2 Years 5 Months 12 Days Modified Duration 2 Years 1 Month 24 Days Sub Cat. Credit Risk Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹10,625 30 Nov 22 ₹11,026 30 Nov 23 ₹11,779 30 Nov 24 ₹12,750 30 Nov 25 ₹13,884 Returns for Axis Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Dec 25 Duration Returns 1 Month 0.7% 3 Month 2.3% 6 Month 3.8% 1 Year 8.7% 3 Year 7.9% 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 11.31 Yr. Akhil Thakker 9 Nov 21 3.98 Yr. Data below for Axis Credit Risk Fund as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 3.32% Equity 2.91% Debt 93.29% Other 0.49% Debt Sector Allocation
Sector Value Corporate 81.55% Government 8.97% Cash Equivalent 3.32% Securitized 2.76% Credit Quality
Rating Value A 16.82% AA 65.85% AAA 17.33% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.48% Govt Stock 2035
Sovereign Bonds | -5% ₹18 Cr 1,800,000
↑ 1,000,000 Jubilant Bevco Limited
Debentures | -4% ₹16 Cr 1,500 Jtpm Metal TRaders Limited
Debentures | -4% ₹15 Cr 1,500 Narayana Hrudayalaya Limited
Debentures | -4% ₹15 Cr 1,500 Aditya Birla Renewables Limited
Debentures | -4% ₹15 Cr 1,500 Altius Telecom Infrastructure Trust
Debentures | -4% ₹15 Cr 1,500 Nirma 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 7.18% Govt Stock 2033
Sovereign Bonds | -3% ₹12 Cr 1,200,000 6. 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 Nov 20 ₹10,000 30 Nov 21 ₹10,965 Returns for PGIM India Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Dec 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 7. Invesco India Growth Opportunities Fund
Invesco India Growth Opportunities Fund
Growth Launch Date 9 Aug 07 NAV (02 Dec 25) ₹102.98 ↓ -0.31 (-0.30 %) Net Assets (Cr) ₹9,034 on 31 Oct 25 Category Equity - Large & Mid Cap AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.82 Sharpe Ratio 0.37 Information Ratio 1 Alpha Ratio 5.34 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 Nov 20 ₹10,000 30 Nov 21 ₹13,343 30 Nov 22 ₹14,250 30 Nov 23 ₹17,168 30 Nov 24 ₹24,466 30 Nov 25 ₹27,051 Returns for Invesco India Growth Opportunities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Dec 25 Duration Returns 1 Month 0% 3 Month 2.5% 6 Month 7.3% 1 Year 8.4% 3 Year 23.2% 5 Year 21.6% 10 Year 15 Year Since launch 13.6% 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 1.98 Yr. Amit Ganatra 21 Jan 22 3.78 Yr. Data below for Invesco India Growth Opportunities Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Financial Services 29.75% Consumer Cyclical 20.27% Health Care 19.25% Industrials 11.1% Real Estate 7.65% Technology 6.17% Basic Materials 3.45% Communication Services 1.65% Asset Allocation
Asset Class Value Cash 0.71% Equity 99.27% Top Securities Holdings / Portfolio
Name Holding Value Quantity Max Healthcare Institute Ltd Ordinary Shares (Healthcare)
Equity, Since 30 Nov 22 | MAXHEALTH5% ₹485 Cr 4,225,932
↑ 155,108 Trent Ltd (Consumer Cyclical)
Equity, Since 28 Feb 22 | 5002515% ₹441 Cr 938,964
↑ 123,935 InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Mar 24 | INDIGO5% ₹437 Cr 776,436 Eternal Ltd (Consumer Cyclical)
Equity, Since 30 Jun 23 | 5433205% ₹435 Cr 13,689,301 Swiggy Ltd (Consumer Cyclical)
Equity, Since 30 Nov 24 | SWIGGY5% ₹425 Cr 10,371,277
↑ 1,461,410 Cholamandalam Investment and Finance Co Ltd (Financial Services)
Equity, Since 28 Feb 23 | CHOLAFIN5% ₹416 Cr 2,449,413 Sai Life Sciences Ltd (Healthcare)
Equity, Since 31 Dec 24 | SAILIFE4% ₹393 Cr 4,283,799 BSE Ltd (Financial Services)
Equity, Since 31 Oct 23 | BSE4% ₹392 Cr 1,580,775 L&T Finance Ltd (Financial Services)
Equity, Since 30 Apr 24 | LTF4% ₹363 Cr 13,404,597 Prestige Estates Projects Ltd (Real Estate)
Equity, Since 31 Dec 23 | PRESTIGE4% ₹361 Cr 2,070,930
↑ 156,053 8. ICICI Prudential MIP 25
ICICI Prudential MIP 25
Growth Launch Date 30 Mar 04 NAV (02 Dec 25) ₹77.8765 ↑ 0.03 (0.03 %) Net Assets (Cr) ₹3,376 on 31 Oct 25 Category Hybrid - Hybrid Debt AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.67 Sharpe Ratio 0.52 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 Nov 20 ₹10,000 30 Nov 21 ₹11,130 30 Nov 22 ₹11,815 30 Nov 23 ₹12,865 30 Nov 24 ₹14,551 30 Nov 25 ₹15,734 Returns for ICICI Prudential MIP 25
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Dec 25 Duration Returns 1 Month 0.6% 3 Month 2.2% 6 Month 3.8% 1 Year 8% 3 Year 10% 5 Year 9.4% 10 Year 15 Year Since launch 9.9% 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 12.13 Yr. Akhil Kakkar 22 Jan 24 1.78 Yr. Roshan Chutkey 2 May 22 3.5 Yr. Sharmila D’mello 31 Jul 22 3.26 Yr. Data below for ICICI Prudential MIP 25 as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 10.68% Equity 24.14% Debt 65.18% Equity Sector Allocation
Sector Value Financial Services 6.54% Consumer Cyclical 3.99% Communication Services 2.46% Health Care 2.31% Technology 1.78% Real Estate 1.61% Energy 1.38% Utility 1.18% Basic Materials 1.01% Industrials 1% Consumer Defensive 0.87% Debt Sector Allocation
Sector Value Corporate 45.98% Government 24.97% Cash Equivalent 4.91% Credit Quality
Rating Value A 7.45% AA 37.44% AAA 55.11% 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% ₹141 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 Adani Enterprises Limited
Debentures | -3% ₹100 Cr 10,000 L&T Metro Rail (Hyderabad) Limited
Debentures | -2% ₹80 Cr 800 360 One Prime Limited
Debentures | -2% ₹76 Cr 7,500 Yes Bank Limited
Debentures | -2% ₹65 Cr 650 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -2% ₹51 Cr 50 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Jun 19 | ICICIBANK2% ₹51 Cr 372,298 9. UTI Banking & PSU Debt Fund
UTI Banking & PSU Debt Fund
Growth Launch Date 3 Feb 14 NAV (02 Dec 25) ₹22.5492 ↑ 0.00 (0.02 %) Net Assets (Cr) ₹804 on 31 Oct 25 Category Debt - Banking & PSU Debt AMC UTI Asset Management Company Ltd Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 0.54 Sharpe Ratio 1.56 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.5% Effective Maturity 1 Year 9 Months 4 Days Modified Duration 1 Year 6 Months 14 Days Sub Cat. Banking & PSU Debt Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹10,279 30 Nov 22 ₹11,324 30 Nov 23 ₹12,024 30 Nov 24 ₹12,978 30 Nov 25 ₹14,023 Returns for UTI Banking & PSU Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Dec 25 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 2.8% 1 Year 7.9% 3 Year 7.4% 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 3.92 Yr. Data below for UTI Banking & PSU Debt Fund as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 8.57% Debt 91.1% Other 0.33% Debt Sector Allocation
Sector Value Corporate 51% Government 40.09% Cash Equivalent 8.57% 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% ₹56 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 National Bank For Agriculture And Rural Development
Debentures | -4% ₹31 Cr 3,000 Indian Railway Finance Corporation Limited
Debentures | -4% ₹30 Cr 300 10. HDFC Banking and PSU Debt Fund
HDFC Banking and PSU Debt Fund
Growth Launch Date 26 Mar 14 NAV (02 Dec 25) ₹23.6323 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹5,901 on 31 Oct 25 Category Debt - Banking & PSU Debt AMC HDFC Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.78 Sharpe Ratio 0.87 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 6.85% Effective Maturity 4 Years 7 Months 10 Days Modified Duration 3 Years 2 Months 19 Days Sub Cat. Banking & PSU Debt Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹10,398 30 Nov 22 ₹10,710 30 Nov 23 ₹11,411 30 Nov 24 ₹12,329 30 Nov 25 ₹13,311 Returns for HDFC Banking and PSU Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Dec 25 Duration Returns 1 Month 0.5% 3 Month 2% 6 Month 2.2% 1 Year 7.8% 3 Year 7.5% 5 Year 5.9% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.9% 2023 6.8% 2022 3.3% 2021 3.7% 2020 10.6% 2019 10.2% 2018 5.9% 2017 6.3% 2016 10.8% 2015 9.8% Fund Manager information for HDFC Banking and PSU Debt Fund
Name Since Tenure Anil Bamboli 26 Mar 14 11.61 Yr. Dhruv Muchhal 22 Jun 23 2.36 Yr. Data below for HDFC Banking and PSU Debt Fund as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 8.92% Debt 90.78% Other 0.3% Debt Sector Allocation
Sector Value Corporate 46.76% Government 42.25% Cash Equivalent 8.5% Securitized 2.19% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Indian Railway Finance Corporation Limited
Debentures | -5% ₹282 Cr 27,500 Indian Railway Finance Corporation Limited
Debentures | -4% ₹205 Cr 20,000 7.18% Govt Stock 2033
Sovereign Bonds | -3% ₹171 Cr 16,500,000 Rec Limited
Debentures | -3% ₹153 Cr 1,500 Bajaj Housing Finance Limited
Debentures | -3% ₹153 Cr 15,000 Housing And Urban Development Corporation Limited
Debentures | -3% ₹152 Cr 15,000 7.26% Govt Stock 2033
Sovereign Bonds | -3% ₹151 Cr 14,500,000 Small Industries Development Bank Of India
Debentures | -3% ₹150 Cr 15,000
↓ -7,500 Housing And Urban Development Corporation Limited
Debentures | -2% ₹132 Cr 1,250 HDFC Bank Limited
Debentures | -2% ₹130 Cr 12,500
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.
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