+91-22-48913909Top 5 Mutual Funds to Invest in 2026
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
Fund Selection Methodology used to find 5 funds
Best Equity Mutual Funds 2026
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 ₹56.692
↑ 0.03 ₹1,710 1,000 500 -12 29.4 96.8 47.3 22.9 167.1 -0.57 1.93 SBI PSU Fund Growth ₹34.729
↓ -0.05 ₹6,669 5,000 500 -5.2 2.9 9.9 30 24.3 11.3 -0.34 0.58 DSP US Flexible Equity Fund Growth ₹94.2762
↓ -0.01 ₹1,226 1,000 500 20.2 33.7 60.5 28.5 19.2 33.8 -0.04 2.58 LIC MF Infrastructure Fund Growth ₹52.6564
↑ 0.14 ₹1,047 5,000 1,000 4.4 6.5 10.2 28.3 24.1 -3.7 0.5 0.59 UTI Healthcare Fund Growth ₹308.749
↓ -2.39 ₹1,144 5,000 500 10.2 7.3 12.2 27.8 14.1 -3.1 -0.12 0.24 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 21 May 26 Note: Ratio's shown as on 30 Apr 26 Research Highlights & Commentary of 5 Funds showcased
Commentary DSP World Gold Fund SBI PSU Fund DSP US Flexible Equity Fund LIC MF Infrastructure Fund UTI Healthcare Fund Point 1 Upper mid AUM (₹1,710 Cr). Highest AUM (₹6,669 Cr). Lower mid AUM (₹1,226 Cr). Bottom quartile AUM (₹1,047 Cr). Bottom quartile AUM (₹1,144 Cr). Point 2 Established history (18+ yrs). Established history (15+ yrs). Established history (13+ yrs). Established history (18+ yrs). Oldest track record among peers (26 yrs). Point 3 Rating: 3★ (upper mid). Rating: 2★ (lower mid). Top rated. Not Rated. Rating: 1★ (bottom quartile). Point 4 Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: High. Point 5 5Y return: 22.94% (lower mid). 5Y return: 24.27% (top quartile). 5Y return: 19.19% (bottom quartile). 5Y return: 24.06% (upper mid). 5Y return: 14.07% (bottom quartile). Point 6 3Y return: 47.28% (top quartile). 3Y return: 30.04% (upper mid). 3Y return: 28.52% (lower mid). 3Y return: 28.26% (bottom quartile). 3Y return: 27.75% (bottom quartile). Point 7 1Y return: 96.81% (top quartile). 1Y return: 9.86% (bottom quartile). 1Y return: 60.54% (upper mid). 1Y return: 10.25% (bottom quartile). 1Y return: 12.16% (lower mid). Point 8 Alpha: 2.73 (upper mid). Alpha: -2.06 (bottom quartile). Alpha: -3.89 (bottom quartile). Alpha: 10.33 (top quartile). Alpha: 1.95 (lower mid). Point 9 Sharpe: 1.93 (upper mid). Sharpe: 0.58 (bottom quartile). Sharpe: 2.58 (top quartile). Sharpe: 0.59 (lower mid). Sharpe: 0.24 (bottom quartile). Point 10 Information ratio: -0.57 (bottom quartile). Information ratio: -0.34 (bottom quartile). Information ratio: -0.04 (upper mid). Information ratio: 0.50 (top quartile). Information ratio: -0.12 (lower mid). DSP World Gold Fund
SBI PSU Fund
DSP US Flexible Equity Fund
LIC MF Infrastructure Fund
UTI Healthcare Fund
Best Debt Funds 2026
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity BOI AXA Credit Risk Fund Growth ₹14.1381
↑ 0.00 ₹105 6.6 13.1 16.5 9.5 6.5 5.76% 5M 16D 7M 6D 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 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 Sundaram Low Duration Fund Growth ₹28.8391
↑ 0.01 ₹550 1 10.2 11.8 5 4.19% 5M 18D 8M 1D Aditya Birla Sun Life Credit Risk Fund Growth ₹24.5897
↑ 0.02 ₹1,353 1.1 6 10.7 11.6 13.4 8.59% 2Y 14D 2Y 8M 19D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 May 26 Research Highlights & Commentary of 5 Funds showcased
Commentary BOI AXA Credit Risk Fund Franklin India Ultra Short Bond Fund - Super Institutional Plan Sundaram Short Term Debt Fund Sundaram Low Duration Fund Aditya Birla Sun Life Credit Risk Fund Point 1 Bottom quartile AUM (₹105 Cr). Bottom quartile AUM (₹297 Cr). Lower mid AUM (₹362 Cr). Upper mid AUM (₹550 Cr). Highest AUM (₹1,353 Cr). Point 2 Established history (11+ yrs). Established history (18+ yrs). Oldest track record among peers (23 yrs). Established history (19+ yrs). Established history (11+ yrs). Point 3 Not Rated. Rating: 1★ (lower mid). Top rated. Rating: 2★ (upper mid). Not Rated. Point 4 Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Moderate. Point 5 1Y return: 16.49% (top quartile). 1Y return: 13.69% (upper mid). 1Y return: 12.83% (lower mid). 1Y return: 11.79% (bottom quartile). 1Y return: 10.72% (bottom quartile). Point 6 1M return: 5.41% (top quartile). 1M return: 0.59% (upper mid). 1M return: 0.20% (bottom quartile). 1M return: 0.28% (lower mid). 1M return: -0.23% (bottom quartile). Point 7 Sharpe: 1.53 (lower mid). Sharpe: 2.57 (top quartile). Sharpe: 0.98 (bottom quartile). Sharpe: 0.99 (bottom quartile). Sharpe: 1.88 (upper mid). 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): 5.76% (upper mid). Yield to maturity (debt): 0.00% (bottom quartile). Yield to maturity (debt): 4.52% (lower mid). Yield to maturity (debt): 4.19% (bottom quartile). Yield to maturity (debt): 8.59% (top quartile). Point 10 Modified duration: 0.46 yrs (upper mid). Modified duration: 0.00 yrs (top quartile). Modified duration: 1.20 yrs (bottom quartile). Modified duration: 0.47 yrs (lower mid). Modified duration: 2.04 yrs (bottom quartile). BOI AXA Credit Risk Fund
Franklin India Ultra Short Bond Fund - Super Institutional Plan
Sundaram Short Term Debt Fund
Sundaram Low Duration Fund
Aditya Birla Sun Life Credit Risk Fund
Best Hybrid Funds 2026
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) BOI AXA Mid and Small Cap Equity and Debt Fund Growth ₹40.43
↓ -0.05 ₹1,482 5.8 7 8.7 20.1 16.8 -0.9 SBI Multi Asset Allocation Fund Growth ₹66.3217
↑ 0.02 ₹17,666 -1.1 4.7 14.7 17.5 13.8 18.6 UTI Multi Asset Fund Growth ₹78.0457
↑ 0.11 ₹6,865 -2 -0.6 7.5 17.4 13.9 11.1 ICICI Prudential Multi-Asset Fund Growth ₹798.904
↑ 0.52 ₹83,547 -2.9 -0.8 7.1 17.2 17.7 18.6 ICICI Prudential Equity and Debt Fund Growth ₹396.5
↑ 0.86 ₹50,368 -3.1 -3.4 3.1 16.7 16.9 13.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 May 26 Research Highlights & Commentary of 5 Funds showcased
Commentary BOI AXA Mid and Small Cap Equity and Debt Fund SBI Multi Asset Allocation Fund UTI Multi Asset Fund ICICI Prudential Multi-Asset Fund ICICI Prudential Equity and Debt Fund Point 1 Bottom quartile AUM (₹1,482 Cr). Lower mid AUM (₹17,666 Cr). Bottom quartile AUM (₹6,865 Cr). Highest AUM (₹83,547 Cr). Upper mid AUM (₹50,368 Cr). Point 2 Established history (9+ yrs). Established history (20+ yrs). Established history (17+ yrs). Established history (23+ yrs). Oldest track record among peers (26 yrs). Point 3 Not Rated. Top rated. Rating: 1★ (bottom quartile). Rating: 2★ (lower mid). Rating: 4★ (upper mid). Point 4 Risk profile: Moderately High. Risk profile: Moderate. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 16.80% (lower mid). 5Y return: 13.81% (bottom quartile). 5Y return: 13.88% (bottom quartile). 5Y return: 17.65% (top quartile). 5Y return: 16.91% (upper mid). Point 6 3Y return: 20.13% (top quartile). 3Y return: 17.46% (upper mid). 3Y return: 17.41% (lower mid). 3Y return: 17.23% (bottom quartile). 3Y return: 16.72% (bottom quartile). Point 7 1Y return: 8.65% (upper mid). 1Y return: 14.69% (top quartile). 1Y return: 7.46% (lower mid). 1Y return: 7.09% (bottom quartile). 1Y return: 3.13% (bottom quartile). Point 8 1M return: 0.47% (top quartile). 1M return: 0.31% (upper mid). 1M return: -0.05% (lower mid). 1M return: -2.08% (bottom quartile). 1M return: -2.15% (bottom quartile). Point 9 Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Alpha: 0.00 (bottom quartile). Alpha: 2.05 (top quartile). Point 10 Sharpe: 0.50 (upper mid). Sharpe: 0.97 (top quartile). Sharpe: 0.19 (bottom quartile). Sharpe: 0.34 (lower mid). Sharpe: 0.01 (bottom quartile). BOI AXA Mid and Small Cap Equity and Debt Fund
SBI Multi Asset Allocation Fund
UTI Multi Asset Fund
ICICI Prudential Multi-Asset Fund
ICICI Prudential Equity and Debt Fund
Best Gold Mutual Funds 2026
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) DSP World Gold Fund Growth ₹56.692
↑ 0.03 ₹1,710 -12 29.4 96.8 47.3 22.9 167.1 SBI Gold Fund Growth ₹45.9981
↓ -0.11 ₹15,691 2.3 27.9 63.3 35.8 25.2 71.5 ICICI Prudential Regular Gold Savings Fund Growth ₹48.6058
↓ -0.11 ₹6,452 2.2 27.7 63.1 35.7 25.1 72 Aditya Birla Sun Life Gold Fund Growth ₹45.6467
↓ -0.07 ₹1,732 2.4 27.5 62.8 35.6 24.9 72 HDFC Gold Fund Growth ₹46.8883
↓ -0.08 ₹11,464 2.3 27.7 62.8 35.5 25 71.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 21 May 26 Research Highlights & Commentary of 5 Funds showcased
Commentary DSP World Gold Fund SBI Gold Fund ICICI Prudential Regular Gold Savings Fund Aditya Birla Sun Life Gold Fund HDFC Gold Fund Point 1 Bottom quartile AUM (₹1,710 Cr). Highest AUM (₹15,691 Cr). Lower mid AUM (₹6,452 Cr). Bottom quartile AUM (₹1,732 Cr). Upper mid AUM (₹11,464 Cr). Point 2 Oldest track record among peers (18 yrs). Established history (14+ yrs). Established history (14+ yrs). Established history (14+ yrs). Established history (14+ yrs). Point 3 Top rated. Rating: 2★ (lower mid). Rating: 1★ (bottom quartile). Rating: 3★ (upper mid). 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: 22.94% (bottom quartile). 5Y return: 25.18% (top quartile). 5Y return: 25.06% (upper mid). 5Y return: 24.90% (bottom quartile). 5Y return: 24.96% (lower mid). Point 6 3Y return: 47.28% (top quartile). 3Y return: 35.76% (upper mid). 3Y return: 35.67% (lower mid). 3Y return: 35.60% (bottom quartile). 3Y return: 35.52% (bottom quartile). Point 7 1Y return: 96.81% (top quartile). 1Y return: 63.31% (upper mid). 1Y return: 63.14% (lower mid). 1Y return: 62.78% (bottom quartile). 1Y return: 62.76% (bottom quartile). Point 8 Alpha: 2.73 (top quartile). 1M return: 4.40% (upper mid). 1M return: 4.20% (bottom quartile). 1M return: 4.56% (top quartile). 1M return: 4.39% (lower mid). Point 9 Sharpe: 1.93 (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: -0.57 (bottom quartile). Sharpe: 1.76 (upper mid). Sharpe: 1.65 (bottom quartile). Sharpe: 1.58 (bottom quartile). Sharpe: 1.74 (lower mid). DSP World Gold Fund
SBI Gold Fund
ICICI Prudential Regular Gold Savings Fund
Aditya Birla Sun Life 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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