Table of Contents
Top 5 Mutual Funds to Invest in 2025
Mutual Funds off late have become a popular mode of investment, and many investors are inclining towards Investing in it. Mutual Funds don’t only offer good returns, but also gives a systematic opportunity to achieve Financial goals, which is of one the reason for their popularity in recent times. However, in order to achieve the desired investment goal or to earn good returns, investing in the right fund is important. That’s why we are here! Investors planning to invest in Mutual Funds, we bring you some of the Best Performing Mutual Funds that you need to consider while investing. These funds have been shortlisted by undertaking important parameters like AUM, NAV, past performances, peer average returns, information ratio, etc.
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Top 5 Best Performing Mutual Funds in India
Best Equity Mutual Funds 2025
Fund NAV Net Assets (Cr) Min Investment Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Information Ratio Sharpe Ratio DSP World Gold Fund Growth ₹34.0465
↑ 0.59 ₹1,202 1,000 500 17.9 37.7 73.5 35.4 8.2 15.9 -0.35 1.8 SBI PSU Fund Growth ₹31.0237
↑ 0.07 ₹5,427 5,000 500 3.5 7.1 -7.6 32 29.8 23.5 -0.28 -0.23 Invesco India PSU Equity Fund Growth ₹61.19
↓ -0.29 ₹1,439 5,000 500 5.2 10.1 -8.8 31.3 27.6 25.6 -0.15 -0.23 Franklin India Opportunities Fund Growth ₹247.008
↓ -2.29 ₹7,200 5,000 500 4.8 4.8 1.5 30.2 29.1 37.3 1.71 -0.09 HDFC Infrastructure Fund Growth ₹46.767
↓ -0.20 ₹2,591 5,000 300 6.1 7.9 -2.2 29.8 34.1 23 0 -0.23 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Aug 25 Note: Ratio's shown as on 30 Jun 25 Research Highlights & Commentary of 5 Funds showcased
Commentary DSP World Gold Fund SBI PSU Fund Invesco India PSU Equity Fund Franklin India Opportunities Fund HDFC Infrastructure Fund Point 1 Bottom quartile AUM (₹1,202 Cr). Upper mid AUM (₹5,427 Cr). Bottom quartile AUM (₹1,439 Cr). Highest AUM (₹7,200 Cr). Lower mid AUM (₹2,591 Cr). Point 2 Established history (17+ yrs). Established history (15+ yrs). Established history (15+ yrs). Oldest track record among peers (25 yrs). Established history (17+ yrs). Point 3 Top rated. Rating: 2★ (bottom quartile). Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Point 4 Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: Moderately High. Risk profile: High. Point 5 5Y return: 8.19% (bottom quartile). 5Y return: 29.83% (upper mid). 5Y return: 27.56% (bottom quartile). 5Y return: 29.08% (lower mid). 5Y return: 34.10% (top quartile). Point 6 3Y return: 35.39% (top quartile). 3Y return: 32.01% (upper mid). 3Y return: 31.34% (lower mid). 3Y return: 30.21% (bottom quartile). 3Y return: 29.80% (bottom quartile). Point 7 1Y return: 73.50% (top quartile). 1Y return: -7.64% (bottom quartile). 1Y return: -8.75% (bottom quartile). 1Y return: 1.53% (upper mid). 1Y return: -2.17% (lower mid). Point 8 Alpha: 1.97 (top quartile). Alpha: 0.60 (lower mid). Alpha: 0.81 (upper mid). Alpha: -1.73 (bottom quartile). Alpha: 0.00 (bottom quartile). Point 9 Sharpe: 1.80 (top quartile). Sharpe: -0.23 (bottom quartile). Sharpe: -0.23 (bottom quartile). Sharpe: -0.09 (upper mid). Sharpe: -0.23 (lower mid). Point 10 Information ratio: -0.35 (bottom quartile). Information ratio: -0.28 (bottom quartile). Information ratio: -0.15 (lower mid). Information ratio: 1.71 (top quartile). Information ratio: 0.00 (upper mid). DSP World Gold Fund
SBI PSU Fund
Invesco India PSU Equity Fund
Franklin India Opportunities Fund
HDFC Infrastructure Fund
Best Debt Funds 2025
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity DSP Credit Risk Fund Growth ₹49.8959
↓ 0.00 ₹209 2.2 18 22.3 14.7 7.8 6.94% 2Y 29D 2Y 9M 7D Aditya Birla Sun Life Credit Risk Fund Growth ₹22.5995
↑ 0.01 ₹1,014 2.8 9.1 16.6 10.5 11.9 7.76% 2Y 1M 24D 3Y 2M 5D Franklin India Ultra Short Bond Fund - Super Institutional Plan Growth ₹34.9131
↑ 0.04 ₹297 1.3 5.9 13.7 8.8 0% 1Y 15D Aditya Birla Sun Life Medium Term Plan Growth ₹40.2634
↑ 0.01 ₹2,732 2.3 7.4 13.4 9.5 10.5 7.52% 3Y 7M 17D 4Y 10M 10D Sundaram Short Term Debt Fund Growth ₹36.3802
↑ 0.01 ₹362 0.8 11.4 12.8 5.3 4.52% 1Y 2M 13D 1Y 7M 3D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Aug 25 Research Highlights & Commentary of 5 Funds showcased
Commentary DSP Credit Risk Fund Aditya Birla Sun Life Credit Risk Fund Franklin India Ultra Short Bond Fund - Super Institutional Plan Aditya Birla Sun Life Medium Term Plan Sundaram Short Term Debt Fund Point 1 Bottom quartile AUM (₹209 Cr). Upper mid AUM (₹1,014 Cr). Bottom quartile AUM (₹297 Cr). Highest AUM (₹2,732 Cr). Lower mid AUM (₹362 Cr). Point 2 Oldest track record among peers (22 yrs). Established history (10+ yrs). Established history (17+ yrs). Established history (16+ yrs). Established history (22+ yrs). Point 3 Top rated. Not Rated. Rating: 1★ (bottom quartile). Rating: 4★ (upper mid). Rating: 2★ (lower mid). Point 4 Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderately Low. Point 5 1Y return: 22.33% (top quartile). 1Y return: 16.57% (upper mid). 1Y return: 13.69% (lower mid). 1Y return: 13.37% (bottom quartile). 1Y return: 12.83% (bottom quartile). Point 6 1M return: 0.17% (bottom quartile). 1M return: 0.61% (top quartile). 1M return: 0.59% (upper mid). 1M return: 0.43% (lower mid). 1M return: 0.20% (bottom quartile). Point 7 Sharpe: 1.67 (bottom quartile). Sharpe: 2.40 (lower mid). Sharpe: 2.57 (upper mid). Sharpe: 3.02 (top quartile). Sharpe: 0.98 (bottom quartile). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 6.94% (lower mid). Yield to maturity (debt): 7.76% (top quartile). Yield to maturity (debt): 0.00% (bottom quartile). Yield to maturity (debt): 7.52% (upper mid). Yield to maturity (debt): 4.52% (bottom quartile). Point 10 Modified duration: 2.08 yrs (lower mid). Modified duration: 2.15 yrs (bottom quartile). Modified duration: 0.00 yrs (top quartile). Modified duration: 3.63 yrs (bottom quartile). Modified duration: 1.20 yrs (upper mid). DSP Credit Risk Fund
Aditya Birla Sun Life Credit Risk Fund
Franklin India Ultra Short Bond Fund - Super Institutional Plan
Aditya Birla Sun Life Medium Term Plan
Sundaram Short Term Debt Fund
Best Hybrid Funds 2025
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) JM Equity Hybrid Fund Growth ₹117.264
↓ -1.68 ₹862 3 0.1 -5.7 20.1 21 27 BOI AXA Mid and Small Cap Equity and Debt Fund Growth ₹37.15
↓ -0.48 ₹1,250 6.2 2.8 -2.1 19.2 24 25.8 ICICI Prudential Multi-Asset Fund Growth ₹750.659
↑ 0.64 ₹62,014 2 5.5 8.8 19.1 23.1 16.1 ICICI Prudential Equity and Debt Fund Growth ₹385.63
↓ -2.25 ₹44,552 2.1 5.9 4.7 18.9 24.7 17.2 UTI Multi Asset Fund Growth ₹73.1989
↓ -0.46 ₹5,890 2 2.9 3.9 18.4 15.1 20.7 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Aug 25 Research Highlights & Commentary of 5 Funds showcased
Commentary JM Equity Hybrid Fund BOI AXA Mid and Small Cap Equity and Debt Fund ICICI Prudential Multi-Asset Fund ICICI Prudential Equity and Debt Fund UTI Multi Asset Fund Point 1 Bottom quartile AUM (₹862 Cr). Bottom quartile AUM (₹1,250 Cr). Highest AUM (₹62,014 Cr). Upper mid AUM (₹44,552 Cr). Lower mid AUM (₹5,890 Cr). Point 2 Oldest track record among peers (30 yrs). Established history (9+ yrs). Established history (22+ yrs). Established history (25+ yrs). Established history (16+ yrs). Point 3 Rating: 1★ (lower mid). Not Rated. Rating: 2★ (upper mid). Top rated. Rating: 1★ (bottom quartile). Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 20.96% (bottom quartile). 5Y return: 23.97% (upper mid). 5Y return: 23.09% (lower mid). 5Y return: 24.67% (top quartile). 5Y return: 15.11% (bottom quartile). Point 6 3Y return: 20.07% (top quartile). 3Y return: 19.17% (upper mid). 3Y return: 19.11% (lower mid). 3Y return: 18.91% (bottom quartile). 3Y return: 18.38% (bottom quartile). Point 7 1Y return: -5.69% (bottom quartile). 1Y return: -2.06% (bottom quartile). 1Y return: 8.76% (top quartile). 1Y return: 4.69% (upper mid). 1Y return: 3.88% (lower mid). Point 8 1M return: -4.34% (bottom quartile). 1M return: -3.73% (bottom quartile). 1M return: -1.42% (top quartile). 1M return: -2.22% (upper mid). 1M return: -2.24% (lower mid). Point 9 Alpha: -6.24 (bottom quartile). Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Alpha: 2.78 (top quartile). Alpha: 0.00 (bottom quartile). Point 10 Sharpe: -0.41 (bottom quartile). Sharpe: -0.08 (bottom quartile). Sharpe: 0.66 (top quartile). Sharpe: 0.33 (upper mid). Sharpe: 0.22 (lower mid). JM Equity Hybrid Fund
BOI AXA Mid and Small Cap Equity and Debt Fund
ICICI Prudential Multi-Asset Fund
ICICI Prudential Equity and Debt Fund
UTI Multi Asset Fund
Best Gold Mutual Funds 2025
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) DSP World Gold Fund Growth ₹34.0465
↑ 0.59 ₹1,202 17.9 37.7 73.5 35.4 8.2 15.9 SBI Gold Fund Growth ₹29.7522
↑ 0.14 ₹4,410 4.2 18 45.2 23.6 11.3 19.6 Aditya Birla Sun Life Gold Fund Growth ₹29.5606
↑ 0.28 ₹636 4.3 17.7 45.4 23.4 11.3 18.7 Axis Gold Fund Growth ₹29.6549
↑ 0.10 ₹1,121 4.3 17.5 44.1 23.4 11.5 19.2 HDFC Gold Fund Growth ₹30.3889
↑ 0.14 ₹4,272 4.1 18 45 23.4 11 18.9 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Aug 25 Research Highlights & Commentary of 5 Funds showcased
Commentary DSP World Gold Fund SBI Gold Fund Aditya Birla Sun Life Gold Fund Axis Gold Fund HDFC Gold Fund Point 1 Lower mid AUM (₹1,202 Cr). Highest AUM (₹4,410 Cr). Bottom quartile AUM (₹636 Cr). Bottom quartile AUM (₹1,121 Cr). Upper mid AUM (₹4,272 Cr). Point 2 Oldest track record among peers (17 yrs). Established history (13+ yrs). Established history (13+ yrs). Established history (13+ yrs). Established history (13+ yrs). Point 3 Top rated. Rating: 2★ (lower mid). Rating: 3★ (upper mid). Rating: 1★ (bottom quartile). Rating: 1★ (bottom quartile). Point 4 Risk profile: High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 8.19% (bottom quartile). 5Y return: 11.27% (lower mid). 5Y return: 11.33% (upper mid). 5Y return: 11.47% (top quartile). 5Y return: 11.05% (bottom quartile). Point 6 3Y return: 35.39% (top quartile). 3Y return: 23.59% (upper mid). 3Y return: 23.44% (lower mid). 3Y return: 23.43% (bottom quartile). 3Y return: 23.39% (bottom quartile). Point 7 1Y return: 73.50% (top quartile). 1Y return: 45.21% (lower mid). 1Y return: 45.36% (upper mid). 1Y return: 44.12% (bottom quartile). 1Y return: 45.00% (bottom quartile). Point 8 Alpha: 1.97 (top quartile). 1M return: 4.37% (lower mid). 1M return: 4.25% (bottom quartile). 1M return: 4.44% (upper mid). 1M return: 4.33% (bottom quartile). Point 9 Sharpe: 1.80 (top quartile). Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Alpha: 0.00 (bottom quartile). Point 10 Information ratio: -0.35 (bottom quartile). Sharpe: 1.73 (lower mid). Sharpe: 1.79 (upper mid). Sharpe: 1.70 (bottom quartile). Sharpe: 1.69 (bottom quartile). DSP World Gold Fund
SBI Gold Fund
Aditya Birla Sun Life Gold Fund
Axis Gold Fund
HDFC Gold Fund
Mutual Fund Types: Risk and Return
Before you invest, know the basic risk and average returns of the following Mutual Fund categories:
| Mutual Fund Category | Average Return | Risk | Type of Risk |
|---|---|---|---|
| Equity Funds | 2%-20% | High to Moderate | Volatility Risk, Performance Risk, Concentration Risk |
| Debt/Bonds | 8-14% | Low to Moderate | Interest Rate Risk, Credit Risk |
| Money market funds | 4%-8% | Low | Inflation Risk, Opportunity Loss |
| Balanced Fund | 5-15% | Moderate | Higher exposure to Equity, Debt Holdings |
Mutual Fund Calculator: Pre-Determine Your Investment Returns
A sip calculator is a smart tool that solves major queries of investors like ‘how much to invest’, ‘how much would I earn’, ‘how much would be my profit’, etc. A mutual fund calculator, more specifically, SIP calculator pre-determines your investment amount for the tenure you would like to invest for. It is also one of the best tools for effective financial planning. Whether one wants to plan to buy a car, house, plan for retirement, a child's higher education or any other financial goal, the SIP calculator can be used for the same. Here’s how the calculator works:
Illustration:
Monthly Investment: ₹ 2,000
Investment Period: 10 years
Total Amount Invested: ₹ 2,40,000
Long-term Inflation: 5% (approx)
Long-term Growth Rate: 14% (approx)
Expected Returns as per SIP Calculator: ₹ 4,98,585
All you need to do in a SIP calculator is enter some basic inputs like investment amount and period of investing (additional inputs like inflation and expected Market returns will give a more realistic picture). The output of these entries would be the final amount at maturity and gains made.
A similar calculation with a goal in mind can also be made to determine the amount one should invest to reach the goal. You have to choose a particular goal, like the ones below, and estimate the details using the goal calculator.
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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