+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 (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Sub Cat. Aditya Birla Sun Life Savings Fund Growth ₹568.669
↑ 0.36 ₹23,615 1.3 2.9 7.1 7.4 7.4 6.81% 5M 19D 6M 11D Ultrashort Bond ICICI Prudential Ultra Short Term Fund Growth ₹28.6967
↑ 0.01 ₹16,907 1.3 2.8 6.9 7.1 7.1 6.82% 5M 19D 7M 10D Ultrashort Bond SBI Magnum Ultra Short Duration Fund Growth ₹6,187.49
↑ 2.80 ₹14,639 1.4 2.8 6.8 7.1 7 6.49% 5M 5D 5M 23D Ultrashort Bond Kotak Savings Fund Growth ₹44.3602
↑ 0.02 ₹14,243 1.3 2.7 6.6 6.9 6.8 6.66% 5M 26D 6M 25D Ultrashort Bond Nippon India Ultra Short Duration Fund Growth ₹4,168.62
↑ 2.02 ₹11,060 1.3 2.8 6.6 6.9 6.8 7% 3Y 6M 18D 4Y 8M 8D Ultrashort Bond Axis Liquid Fund Growth ₹3,009.04
↑ 0.92 ₹35,653 1.5 2.9 6.4 7 6.6 6.06% 1M 28D 2M 2D Liquid Fund Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Feb 26 Research Highlights & Commentary of 6 Funds showcased
Commentary Aditya Birla Sun Life Savings Fund ICICI Prudential Ultra Short Term Fund SBI Magnum Ultra Short Duration Fund Kotak Savings Fund Nippon India Ultra Short Duration Fund Axis Liquid Fund Point 1 Upper mid AUM (₹23,615 Cr). Upper mid AUM (₹16,907 Cr). Lower mid AUM (₹14,639 Cr). Bottom quartile AUM (₹14,243 Cr). Bottom quartile AUM (₹11,060 Cr). Highest AUM (₹35,653 Cr). Point 2 Established history (22+ yrs). Established history (14+ yrs). Oldest track record among peers (26 yrs). Established history (21+ yrs). Established history (24+ yrs). Established history (16+ yrs). Point 3 Top rated. Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Rating: 2★ (bottom quartile). Rating: 4★ (upper mid). Point 4 Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Low. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 7.15% (top quartile). 1Y return: 6.88% (upper mid). 1Y return: 6.79% (upper mid). 1Y return: 6.65% (lower mid). 1Y return: 6.62% (bottom quartile). 1Y return: 6.42% (bottom quartile). Point 6 1M return: 0.40% (bottom quartile). 1M return: 0.41% (bottom quartile). 1M return: 0.43% (upper mid). 1M return: 0.43% (lower mid). 1M return: 0.44% (upper mid). 1M return: 0.49% (top quartile). Point 7 Sharpe: 3.14 (upper mid). Sharpe: 2.94 (upper mid). Sharpe: 2.90 (lower mid). Sharpe: 2.06 (bottom quartile). Sharpe: 2.30 (bottom quartile). Sharpe: 3.47 (top 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): 6.81% (upper mid). Yield to maturity (debt): 6.82% (upper mid). Yield to maturity (debt): 6.49% (bottom quartile). Yield to maturity (debt): 6.66% (lower mid). Yield to maturity (debt): 7.00% (top quartile). Yield to maturity (debt): 6.06% (bottom quartile). Point 10 Modified duration: 0.47 yrs (upper mid). Modified duration: 0.47 yrs (lower mid). Modified duration: 0.43 yrs (upper mid). Modified duration: 0.49 yrs (bottom quartile). Modified duration: 3.55 yrs (bottom quartile). Modified duration: 0.16 yrs (top quartile). Aditya Birla Sun Life Savings Fund
ICICI Prudential Ultra Short Term Fund
SBI Magnum Ultra Short Duration Fund
Kotak Savings Fund
Nippon India Ultra Short Duration Fund
Axis Liquid Fund
Top Ranked Mutual Funds for Low to Moderate Investors
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Sub Cat. ICICI Prudential Short Term Fund Growth ₹62.296
↑ 0.07 ₹20,935 1.1 2.4 7.5 7.6 8 7.32% 2Y 6M 29D 4Y 7M 24D Short term Bond Axis Short Term Fund Growth ₹31.974
↑ 0.04 ₹12,708 0.9 2.3 7.5 7.5 8.1 7.04% 2Y 3M 14D 2Y 10M 2D Short term Bond ICICI Prudential Corporate Bond Fund Growth ₹30.8719
↑ 0.04 ₹33,871 1 2.4 7.4 7.7 8 7.02% 2Y 11M 1D 5Y 5M 12D Corporate Bond HDFC Short Term Debt Fund Growth ₹33.1005
↑ 0.04 ₹18,079 0.9 2.3 7.3 7.6 7.8 7.11% 2Y 5M 12D 3Y 6M 25D Short term Bond Kotak Corporate Bond Fund Standard Growth ₹3,895.06
↑ 6.35 ₹18,841 0.8 2 7.2 7.6 7.8 7.04% 2Y 11M 12D 4Y 6M 14D Corporate Bond SBI Short Term Debt Fund Growth ₹33.1659
↑ 0.04 ₹17,516 0.8 2.1 7.2 7.3 7.8 7.12% 2Y 7M 10D 3Y 2M 19D Short term Bond Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Feb 26 Research Highlights & Commentary of 6 Funds showcased
Commentary ICICI Prudential Short Term Fund Axis Short Term Fund ICICI Prudential Corporate Bond Fund HDFC Short Term Debt Fund Kotak Corporate Bond Fund Standard SBI Short Term Debt Fund Point 1 Upper mid AUM (₹20,935 Cr). Bottom quartile AUM (₹12,708 Cr). Highest AUM (₹33,871 Cr). Lower mid AUM (₹18,079 Cr). Upper mid AUM (₹18,841 Cr). Bottom quartile AUM (₹17,516 Cr). Point 2 Oldest track record among peers (24 yrs). Established history (16+ yrs). Established history (16+ yrs). Established history (15+ yrs). Established history (18+ yrs). Established history (18+ yrs). Point 3 Top rated. Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Point 4 Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Moderately Low. Point 5 1Y return: 7.51% (top quartile). 1Y return: 7.50% (upper mid). 1Y return: 7.44% (upper mid). 1Y return: 7.27% (lower mid). 1Y return: 7.20% (bottom quartile). 1Y return: 7.18% (bottom quartile). Point 6 1M return: 0.23% (upper mid). 1M return: 0.24% (top quartile). 1M return: 0.18% (bottom quartile). 1M return: 0.23% (upper mid). 1M return: 0.19% (bottom quartile). 1M return: 0.21% (lower mid). Point 7 Sharpe: 1.58 (top quartile). Sharpe: 1.41 (upper mid). Sharpe: 1.43 (upper mid). Sharpe: 1.26 (lower mid). Sharpe: 1.02 (bottom quartile). Sharpe: 1.15 (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): 7.32% (top quartile). Yield to maturity (debt): 7.04% (lower mid). Yield to maturity (debt): 7.02% (bottom quartile). Yield to maturity (debt): 7.11% (upper mid). Yield to maturity (debt): 7.04% (bottom quartile). Yield to maturity (debt): 7.12% (upper mid). Point 10 Modified duration: 2.58 yrs (upper mid). Modified duration: 2.29 yrs (top quartile). Modified duration: 2.92 yrs (bottom quartile). Modified duration: 2.45 yrs (upper mid). Modified duration: 2.95 yrs (bottom quartile). Modified duration: 2.61 yrs (lower mid). ICICI Prudential Short Term Fund
Axis Short Term Fund
ICICI Prudential Corporate Bond Fund
HDFC Short Term Debt Fund
Kotak Corporate Bond Fund Standard
SBI Short Term 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 (%) 2024 (%) Sub Cat. Aditya Birla Sun Life Medium Term Plan Growth ₹42.0723
↑ 0.06 ₹2,905 2.7 4.3 12.2 9.9 12.3 10.9 Medium term Bond Kotak Medium Term Fund Growth ₹23.7335
↑ 0.05 ₹2,015 1.3 3.3 8.3 8.1 6.6 8.9 Medium term Bond ICICI Prudential Medium Term Bond Fund Growth ₹46.7379
↑ 0.07 ₹5,708 1.3 3.2 8.3 7.9 6.9 9 Medium term Bond Axis Strategic Bond Fund Growth ₹29.0196
↑ 0.03 ₹2,059 1.1 2.5 7.7 7.9 6.7 8.2 Medium term Bond ICICI Prudential Gilt Fund Growth ₹104.771
↑ 0.14 ₹9,181 0.7 0.9 6 7.6 6.2 6.8 Government Bond SBI Magnum Medium Duration Fund Growth ₹52.8261
↑ 0.10 ₹6,889 1.1 2.3 7 7.5 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 4 Feb 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 ICICI Prudential Gilt Fund SBI Magnum Medium Duration Fund Point 1 Lower mid AUM (₹2,905 Cr). Bottom quartile AUM (₹2,015 Cr). Upper mid AUM (₹5,708 Cr). Bottom quartile AUM (₹2,059 Cr). Highest AUM (₹9,181 Cr). Upper mid AUM (₹6,889 Cr). Point 2 Established history (16+ yrs). Established history (11+ yrs). Established history (21+ yrs). Established history (13+ yrs). Oldest track record among peers (26 yrs). Established history (22+ yrs). Point 3 Top rated. Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). Rating: 4★ (upper mid). Rating: 4★ (upper 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: 12.20% (top quartile). 1Y return: 8.34% (upper mid). 1Y return: 8.29% (upper mid). 1Y return: 7.74% (lower mid). 1Y return: 5.98% (bottom quartile). 1Y return: 6.99% (bottom quartile). Point 6 1M return: 1.92% (top quartile). 1M return: 0.43% (upper mid). 1M return: 0.27% (bottom quartile). 1M return: 0.28% (lower mid). 1M return: -0.15% (bottom quartile). 1M return: 0.34% (upper mid). Point 7 Sharpe: 2.01 (upper mid). Sharpe: 1.71 (upper mid). Sharpe: 2.06 (top quartile). Sharpe: 1.39 (lower mid). Sharpe: 0.24 (bottom quartile). Sharpe: 0.82 (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): 7.78% (bottom quartile). Yield to maturity (debt): 7.89% (upper mid). Yield to maturity (debt): 7.92% (top quartile). Yield to maturity (debt): 7.86% (upper mid). Yield to maturity (debt): 7.25% (bottom quartile). Yield to maturity (debt): 7.81% (lower mid). Point 10 Modified duration: 3.40 yrs (bottom quartile). Modified duration: 3.23 yrs (upper mid). Modified duration: 3.18 yrs (upper mid). Modified duration: 3.33 yrs (lower mid). Modified duration: 6.52 yrs (bottom quartile). Modified duration: 3.09 yrs (top quartile). Aditya Birla Sun Life Medium Term Plan
Kotak Medium Term Fund
ICICI Prudential Medium Term Bond Fund
Axis Strategic Bond Fund
ICICI Prudential Gilt 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 (%) 2024 (%) Sub Cat. Nippon India Small Cap Fund Growth ₹163.116
↑ 1.06 ₹68,287 -5 -3.4 3.4 21.5 25 -4.7 Small Cap Motilal Oswal Midcap 30 Fund Growth ₹94.9051
↑ 0.11 ₹36,880 -8.2 -7.9 -2.9 23.4 24.8 -12.1 Mid Cap HDFC Mid-Cap Opportunities Fund Growth ₹203.364
↑ 0.38 ₹92,642 0.4 5.7 14.2 26.2 23.7 6.8 Mid Cap Nippon India Multi Cap Fund Growth ₹294.855
↑ 1.58 ₹50,352 -3.2 -1.2 8.2 21.8 22.7 4.1 Multi Cap Edelweiss Mid Cap Fund Growth ₹103.44
↑ 0.41 ₹13,650 -0.2 3.8 11.5 26.3 22.4 3.8 Mid Cap HDFC Small Cap Fund Growth ₹136.359
↑ 0.14 ₹37,753 -5.4 -3.1 7.3 19.9 22.3 -0.6 Small Cap Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Feb 26 Research Highlights & Commentary of 6 Funds showcased
Commentary Nippon India Small Cap Fund Motilal Oswal Midcap 30 Fund HDFC Mid-Cap Opportunities Fund Nippon India Multi Cap Fund Edelweiss Mid Cap Fund HDFC Small Cap Fund Point 1 Upper mid AUM (₹68,287 Cr). Bottom quartile AUM (₹36,880 Cr). Highest AUM (₹92,642 Cr). Upper mid AUM (₹50,352 Cr). Bottom quartile AUM (₹13,650 Cr). Lower mid AUM (₹37,753 Cr). Point 2 Established history (15+ yrs). Established history (11+ yrs). Established history (18+ yrs). Oldest track record among peers (20 yrs). Established history (18+ yrs). Established history (17+ yrs). Point 3 Top rated. Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). Rating: 3★ (bottom quartile). Rating: 4★ (upper mid). Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: High. Risk profile: Moderately High. Point 5 5Y return: 25.03% (top quartile). 5Y return: 24.82% (upper mid). 5Y return: 23.72% (upper mid). 5Y return: 22.73% (lower mid). 5Y return: 22.39% (bottom quartile). 5Y return: 22.32% (bottom quartile). Point 6 3Y return: 21.47% (bottom quartile). 3Y return: 23.42% (upper mid). 3Y return: 26.20% (upper mid). 3Y return: 21.78% (lower mid). 3Y return: 26.25% (top quartile). 3Y return: 19.87% (bottom quartile). Point 7 1Y return: 3.40% (bottom quartile). 1Y return: -2.88% (bottom quartile). 1Y return: 14.17% (top quartile). 1Y return: 8.23% (upper mid). 1Y return: 11.48% (upper mid). 1Y return: 7.33% (lower mid). Point 8 Alpha: -1.23 (upper mid). Alpha: -18.12 (bottom quartile). Alpha: 0.63 (top quartile). Alpha: -1.30 (lower mid). Alpha: -1.98 (bottom quartile). Alpha: 0.00 (upper mid). Point 9 Sharpe: -0.42 (bottom quartile). Sharpe: -0.79 (bottom quartile). Sharpe: 0.12 (top quartile). Sharpe: -0.05 (upper mid). Sharpe: -0.02 (upper mid). Sharpe: -0.23 (lower mid). Point 10 Information ratio: -0.02 (bottom quartile). Information ratio: 0.10 (lower mid). Information ratio: 0.44 (upper mid). Information ratio: 0.64 (top quartile). Information ratio: 0.40 (upper mid). Information ratio: 0.00 (bottom quartile). Nippon India Small Cap Fund
Motilal Oswal Midcap 30 Fund
HDFC Mid-Cap Opportunities Fund
Nippon India Multi Cap Fund
Edelweiss Mid Cap Fund
HDFC Small Cap Fund
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