+91-22-48913909Top Ranked Mutual Funds as per Risk Appetite
While Investing, investors always look for the top ranked Mutual Funds to create a balanced Portfolio and earn better returns. Selecting and adding top performing funds in the portfolio is an essential process of investing in Mutual Funds. It is also a strategic way to accomplish a specific investment objective. To make the process of investing easy & simple for investors, we have shortlisted the top ranked Mutual Funds for investors with different risk appetite. Be it risk-averse investors, low-risk takers, moderate risk takers to high-risk takers, investors can invest according to their ability to tolerate risk in the investment.
However, investors can also choose funds independently, that’s by doing a self-analysis. Here are the top parameters that investors need to consider while looking for the Best Performing Mutual Funds.
Best Mutual Funds to Invest - Selection Criteria
Investors can determine the best Mutual Funds to invest by themselves. Do to so, you need to consider various parameters, which determines the potential of the schemes. All the top ranking Mutual Fund schemes in India hold these traits, which therefore makes them the must-have schemes in the portfolio-
Fund Performance
Investors should evaluate the fund's performances for over a period of time. It is advised to go for a scheme that consistently beats its benchmark for over 4-5 years. Moreover, one should see each period, if the fund is able to beat its benchmark.
Fund Manager
A fund manager overall plays an important role in the fund’s performance. Therefore, you should know who is the fund manager of the scheme that you wish to invest and his past track record. Investors should analyse the performance the fund that is managed by the fund manager. Top ranked Mutual Fund would mostly have the fund manager who have been consistent over his career.
Expense Ratio
Schemes that are top performers may have a low or a high expense ratio, but the schemes are worth investing. The expense ratio is the charges like management fees, operating costs, etc., charged by the Asset Management Company (AMC). Many times, investors go for a fund that has a lower expense ratio, but it is something which should not surpass other important factors such as fund performance, etc.
Asset Size
While choosing a top performing scheme, it is suggested to go for the one whose AUM (Asset Under Management) is approximately same as the category.
Investors looking for a hassle-free investment, here's the best Mutual Funds to invest in 2026. These funds have been shortlisted as per the category ranking.
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Fund Selection Methodology used to find 6 funds
Top Ranked Mutual Funds for Risk Averse Investors
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2025 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Sub Cat. Aditya Birla Sun Life Savings Fund Growth ₹576.573
↑ 0.07 ₹19,348 1.6 2.9 6.5 7.3 7.4 7.45% 5M 26D 7M 2D Ultrashort Bond ICICI Prudential Ultra Short Term Fund Growth ₹29.1051
↑ 0.00 ₹13,619 1.7 3 6.4 7 7.1 7.73% 5M 16D 6M 29D Ultrashort Bond Axis Liquid Fund Growth ₹3,055.55
↑ 0.47 ₹30,188 1.7 3.2 6.3 7 6.6 7.77% 2M 1D 2M 5D Liquid Fund SBI Magnum Ultra Short Duration Fund Growth ₹6,274.68
↓ -0.23 ₹11,847 1.6 3 6.3 7 7 7.51% 5M 16D 10M 2D Ultrashort Bond DSP Liquidity Fund Growth ₹3,917.41
↑ 0.61 ₹16,866 1.7 3.2 6.3 6.9 6.5 7.48% 1M 28D 2M 1D Liquid Fund UTI Liquid Cash Plan Growth ₹4,501.17
↑ 0.69 ₹19,763 1.7 3.2 6.3 6.9 6.5 6.03% 1M 2D 1M 2D Liquid Fund Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Apr 26 Research Highlights & Commentary of 6 Funds showcased
Commentary Aditya Birla Sun Life Savings Fund ICICI Prudential Ultra Short Term Fund Axis Liquid Fund SBI Magnum Ultra Short Duration Fund DSP Liquidity Fund UTI Liquid Cash Plan Point 1 Upper mid AUM (₹19,348 Cr). Bottom quartile AUM (₹13,619 Cr). Highest AUM (₹30,188 Cr). Bottom quartile AUM (₹11,847 Cr). Lower mid AUM (₹16,866 Cr). Upper mid AUM (₹19,763 Cr). Point 2 Established history (23+ yrs). Established history (14+ yrs). Established history (16+ yrs). Oldest track record among peers (26 yrs). Established history (20+ yrs). Established history (22+ yrs). Point 3 Top rated. Rating: 3★ (upper mid). Rating: 4★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Rating: 3★ (bottom quartile). Point 4 Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 6.47% (top quartile). 1Y return: 6.37% (upper mid). 1Y return: 6.28% (upper mid). 1Y return: 6.27% (lower mid). 1Y return: 6.27% (bottom quartile). 1Y return: 6.25% (bottom quartile). Point 6 1M return: 0.74% (bottom quartile). 1M return: 0.79% (top quartile). 1M return: 0.77% (lower mid). 1M return: 0.78% (upper mid). 1M return: 0.76% (bottom quartile). 1M return: 0.77% (upper mid). Point 7 Sharpe: 1.95 (lower mid). Sharpe: 1.95 (bottom quartile). Sharpe: 3.16 (top quartile). Sharpe: 1.89 (bottom quartile). Sharpe: 3.03 (upper mid). Sharpe: 3.05 (upper mid). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 7.45% (bottom quartile). Yield to maturity (debt): 7.73% (upper mid). Yield to maturity (debt): 7.77% (top quartile). Yield to maturity (debt): 7.51% (upper mid). Yield to maturity (debt): 7.48% (lower mid). Yield to maturity (debt): 6.03% (bottom quartile). Point 10 Modified duration: 0.49 yrs (bottom quartile). Modified duration: 0.46 yrs (lower mid). Modified duration: 0.17 yrs (upper mid). Modified duration: 0.46 yrs (bottom quartile). Modified duration: 0.16 yrs (upper mid). Modified duration: 0.09 yrs (top quartile). Aditya Birla Sun Life Savings Fund
ICICI Prudential Ultra Short Term Fund
Axis Liquid Fund
SBI Magnum Ultra Short Duration Fund
DSP Liquidity Fund
UTI Liquid Cash Plan
Top Ranked Mutual Funds for Low to Moderate Investors
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2025 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Sub Cat. ICICI Prudential Short Term Fund Growth ₹62.9245
↓ -0.01 ₹20,688 1.3 2.3 5.6 7.3 8 7.89% 2Y 4M 24D 3Y 11M 8D Short term Bond ICICI Prudential Corporate Bond Fund Growth ₹31.1705
↓ -0.02 ₹30,212 1.2 2.1 5.5 7.4 8 7.75% 2Y 11M 19D 5Y 2M 12D Corporate Bond HDFC Short Term Debt Fund Growth ₹33.4017
↓ -0.01 ₹14,728 1.2 2 5.3 7.3 7.8 7.85% 2Y 4M 17D 3Y 5M 12D Short term Bond SBI Short Term Debt Fund Growth ₹33.4099
↓ -0.01 ₹14,580 1 1.7 5 6.9 7.8 7.79% 2Y 3M 11D 2Y 9M 18D Short term Bond Bandhan Corporate Bond Fund Growth ₹20.0057
↓ -0.01 ₹13,956 1.5 2 5 7 7.4 7.35% 1Y 10M 6D 2Y 2M 26D Corporate Bond Bandhan Banking & PSU Debt Fund Growth ₹25.5985
↓ -0.01 ₹12,289 1.4 2 4.9 6.7 7.1 7.32% 1Y 10M 6D 2Y 3M Banking & PSU Debt Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Apr 26 Research Highlights & Commentary of 6 Funds showcased
Commentary ICICI Prudential Short Term Fund ICICI Prudential Corporate Bond Fund HDFC Short Term Debt Fund SBI Short Term Debt Fund Bandhan Corporate Bond Fund Bandhan Banking & PSU Debt Fund Point 1 Upper mid AUM (₹20,688 Cr). Highest AUM (₹30,212 Cr). Upper mid AUM (₹14,728 Cr). Lower mid AUM (₹14,580 Cr). Bottom quartile AUM (₹13,956 Cr). Bottom quartile AUM (₹12,289 Cr). Point 2 Oldest track record among peers (24 yrs). Established history (16+ yrs). Established history (15+ yrs). Established history (18+ yrs). Established history (10+ yrs). Established history (13+ yrs). Point 3 Top rated. Rating: 4★ (upper mid). Rating: 3★ (upper mid). Rating: 3★ (lower mid). Not Rated. Rating: 2★ (bottom quartile). Point 4 Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderate. Point 5 1Y return: 5.63% (top quartile). 1Y return: 5.47% (upper mid). 1Y return: 5.33% (upper mid). 1Y return: 5.00% (lower mid). 1Y return: 4.96% (bottom quartile). 1Y return: 4.95% (bottom quartile). Point 6 1M return: 0.75% (top quartile). 1M return: 0.74% (upper mid). 1M return: 0.63% (bottom quartile). 1M return: 0.54% (bottom quartile). 1M return: 0.73% (lower mid). 1M return: 0.73% (upper mid). Point 7 Sharpe: 0.34 (top quartile). Sharpe: 0.18 (upper mid). Sharpe: 0.22 (upper mid). Sharpe: 0.07 (lower mid). Sharpe: 0.01 (bottom quartile). Sharpe: -0.13 (bottom quartile). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 7.89% (top quartile). Yield to maturity (debt): 7.75% (lower mid). Yield to maturity (debt): 7.85% (upper mid). Yield to maturity (debt): 7.79% (upper mid). Yield to maturity (debt): 7.35% (bottom quartile). Yield to maturity (debt): 7.32% (bottom quartile). Point 10 Modified duration: 2.40 yrs (bottom quartile). Modified duration: 2.97 yrs (bottom quartile). Modified duration: 2.38 yrs (lower mid). Modified duration: 2.28 yrs (upper mid). Modified duration: 1.85 yrs (top quartile). Modified duration: 1.85 yrs (upper mid). ICICI Prudential Short Term Fund
ICICI Prudential Corporate Bond Fund
HDFC Short Term Debt Fund
SBI Short Term Debt Fund
Bandhan Corporate Bond Fund
Bandhan Banking & PSU Debt Fund
Top Ranked Mutual Funds for Moderate to High Investors
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2025 (%) Sub Cat. Aditya Birla Sun Life Medium Term Plan Growth ₹42.5635
↓ -0.01 ₹3,078 1.5 4.1 8.2 9.6 11.9 10.9 Medium term Bond Kotak Medium Term Fund Growth ₹23.8439
↓ -0.01 ₹1,807 1 1.9 6 7.6 6.5 8.9 Medium term Bond ICICI Prudential Medium Term Bond Fund Growth ₹47.1947
↓ -0.01 ₹5,524 1.3 2.5 6.4 7.6 6.7 9 Medium term Bond Axis Strategic Bond Fund Growth ₹29.3002
↓ -0.02 ₹2,083 1.3 2.3 5.5 7.5 6.6 8.2 Medium term Bond HDFC Medium Term Debt Fund Growth ₹58.7368
↓ -0.02 ₹3,697 1.4 2.2 5 7.1 6.1 7.7 Medium term Bond SBI Magnum Medium Duration Fund Growth ₹53.2562
↓ -0.04 ₹6,580 1.2 2.2 4.8 7.1 6.2 7.5 Medium term Bond Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Apr 26 Research Highlights & Commentary of 6 Funds showcased
Commentary Aditya Birla Sun Life Medium Term Plan Kotak Medium Term Fund ICICI Prudential Medium Term Bond Fund Axis Strategic Bond Fund HDFC Medium Term Debt Fund SBI Magnum Medium Duration Fund Point 1 Lower mid AUM (₹3,078 Cr). Bottom quartile AUM (₹1,807 Cr). Upper mid AUM (₹5,524 Cr). Bottom quartile AUM (₹2,083 Cr). Upper mid AUM (₹3,697 Cr). Highest AUM (₹6,580 Cr). Point 2 Established history (17+ yrs). Established history (12+ yrs). Established history (21+ yrs). Established history (14+ yrs). Oldest track record among peers (24 yrs). Established history (22+ yrs). Point 3 Top rated. Rating: 3★ (upper mid). Rating: 2★ (bottom quartile). Rating: 4★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Point 4 Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Point 5 1Y return: 8.15% (top quartile). 1Y return: 6.05% (upper mid). 1Y return: 6.41% (upper mid). 1Y return: 5.54% (lower mid). 1Y return: 5.04% (bottom quartile). 1Y return: 4.79% (bottom quartile). Point 6 1M return: 0.98% (top quartile). 1M return: 0.67% (lower mid). 1M return: 0.90% (upper mid). 1M return: 0.59% (bottom quartile). 1M return: 0.74% (upper mid). 1M return: 0.64% (bottom quartile). Point 7 Sharpe: 1.39 (top quartile). Sharpe: 0.42 (upper mid). Sharpe: 0.58 (upper mid). Sharpe: 0.31 (lower mid). Sharpe: -0.01 (bottom quartile). Sharpe: -0.17 (bottom quartile). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 8.40% (bottom quartile). Yield to maturity (debt): 8.66% (top quartile). Yield to maturity (debt): 8.44% (lower mid). Yield to maturity (debt): 8.46% (upper mid). Yield to maturity (debt): 8.39% (bottom quartile). Yield to maturity (debt): 8.53% (upper mid). Point 10 Modified duration: 2.86 yrs (upper mid). Modified duration: 3.09 yrs (bottom quartile). Modified duration: 2.89 yrs (upper mid). Modified duration: 3.09 yrs (bottom quartile). Modified duration: 3.07 yrs (lower mid). Modified duration: 2.85 yrs (top quartile). Aditya Birla Sun Life Medium Term Plan
Kotak Medium Term Fund
ICICI Prudential Medium Term Bond Fund
Axis Strategic Bond Fund
HDFC Medium Term Debt Fund
SBI Magnum Medium Duration Fund
Top Ranked Mutual Funds for High Risk Investors
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2025 (%) Sub Cat. Motilal Oswal Midcap 30 Fund Growth ₹90.9097
↓ -1.45 ₹31,047 -0.7 -12.3 -3.1 21.7 23.7 -12.1 Mid Cap Nippon India Small Cap Fund Growth ₹168.018
↓ -1.68 ₹61,809 8.8 -1.4 6 21.2 22.9 -4.7 Small Cap HDFC Mid-Cap Opportunities Fund Growth ₹197.07
↓ -2.31 ₹85,358 0.2 -1 9.9 24.2 22.1 6.8 Mid Cap Nippon India Multi Cap Fund Growth ₹295.382
↓ -2.60 ₹46,321 5.1 -3 5.6 21.2 21.9 4.1 Multi Cap Invesco India Mid Cap Fund Growth ₹178.86
↓ -1.98 ₹9,895 5.2 -3.7 11.4 26.6 21.6 6.3 Mid Cap Edelweiss Mid Cap Fund Growth ₹102.789
↓ -0.87 ₹13,554 3.4 0.1 9.5 25.7 21.5 3.8 Mid Cap Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Apr 26 Research Highlights & Commentary of 6 Funds showcased
Commentary Motilal Oswal Midcap 30 Fund Nippon India Small Cap Fund HDFC Mid-Cap Opportunities Fund Nippon India Multi Cap Fund Invesco India Mid Cap Fund Edelweiss Mid Cap Fund Point 1 Lower mid AUM (₹31,047 Cr). Upper mid AUM (₹61,809 Cr). Highest AUM (₹85,358 Cr). Upper mid AUM (₹46,321 Cr). Bottom quartile AUM (₹9,895 Cr). Bottom quartile AUM (₹13,554 Cr). Point 2 Established history (12+ yrs). Established history (15+ yrs). Established history (18+ yrs). Oldest track record among peers (21 yrs). Established history (19+ yrs). Established history (18+ yrs). Point 3 Rating: 3★ (upper mid). Top rated. Rating: 3★ (upper mid). Rating: 2★ (bottom quartile). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: High. Point 5 5Y return: 23.68% (top quartile). 5Y return: 22.88% (upper mid). 5Y return: 22.06% (upper mid). 5Y return: 21.85% (lower mid). 5Y return: 21.61% (bottom quartile). 5Y return: 21.46% (bottom quartile). Point 6 3Y return: 21.74% (lower mid). 3Y return: 21.25% (bottom quartile). 3Y return: 24.23% (upper mid). 3Y return: 21.22% (bottom quartile). 3Y return: 26.56% (top quartile). 3Y return: 25.68% (upper mid). Point 7 1Y return: -3.06% (bottom quartile). 1Y return: 6.05% (lower mid). 1Y return: 9.87% (upper mid). 1Y return: 5.55% (bottom quartile). 1Y return: 11.45% (top quartile). 1Y return: 9.55% (upper mid). Point 8 Alpha: -16.24 (bottom quartile). Alpha: 0.92 (upper mid). Alpha: 1.20 (top quartile). Alpha: 0.48 (upper mid). Alpha: 0.00 (lower mid). Alpha: -0.08 (bottom quartile). Point 9 Sharpe: -1.08 (bottom quartile). Sharpe: -0.42 (bottom quartile). Sharpe: -0.04 (top quartile). Sharpe: -0.40 (lower mid). Sharpe: -0.08 (upper mid). Sharpe: -0.12 (upper mid). Point 10 Information ratio: -0.23 (bottom quartile). Information ratio: -0.21 (bottom quartile). Information ratio: 0.39 (upper mid). Information ratio: 0.49 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.31 (upper mid). Motilal Oswal Midcap 30 Fund
Nippon India Small Cap Fund
HDFC Mid-Cap Opportunities Fund
Nippon India Multi Cap Fund
Invesco India Mid Cap Fund
Edelweiss Mid Cap Fund
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