+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. Axis Liquid Fund Growth ₹3,145.49
↑ 0.83 ₹63,343 1.6 3.2 6.5 6.9 6.6 6.37% 1M 12D 1M 12D Liquid Fund Edelweiss Liquid Fund Growth ₹3,612.29
↑ 0.94 ₹13,272 1.6 3.2 6.5 6.9 6.5 6.26% 1M 8D 1M 8D Liquid Fund DSP Liquidity Fund Growth ₹4,031.72
↑ 1.10 ₹29,172 1.6 3.2 6.5 6.9 6.5 6.38% 1M 13D Liquid Fund Invesco India Liquid Fund Growth ₹3,881.02
↑ 1.02 ₹20,748 1.6 3.2 6.5 6.9 6.5 6.32% 1M 11D 1M 11D Liquid Fund Aditya Birla Sun Life Liquid Fund Growth ₹454.988
↑ 0.12 ₹69,830 1.6 3.2 6.5 6.9 6.5 6.56% 1M 10D 1M 10D Liquid Fund UTI Liquid Cash Plan Growth ₹463.193
↑ 0.12 ₹29,218 1.6 3.2 6.4 6.9 6.5 6.36% 1M 6D 1M 6D Liquid Fund Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Oct 26 Research Highlights & Commentary of 6 Funds showcased
Commentary Axis Liquid Fund Edelweiss Liquid Fund DSP Liquidity Fund Invesco India Liquid Fund Aditya Birla Sun Life Liquid Fund UTI Liquid Cash Plan Point 1 Upper mid AUM (₹63,343 Cr). Bottom quartile AUM (₹13,272 Cr). Lower mid AUM (₹29,172 Cr). Bottom quartile AUM (₹20,748 Cr). Highest AUM (₹69,830 Cr). Upper mid AUM (₹29,218 Cr). Point 2 Established history (17+ yrs). Established history (19+ yrs). Established history (20+ yrs). Established history (19+ yrs). Oldest track record among peers (22 yrs). Established history (22+ yrs). Point 3 Top rated. Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Point 4 Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 6.50% (top quartile). 1Y return: 6.48% (upper mid). 1Y return: 6.47% (upper mid). 1Y return: 6.46% (lower mid). 1Y return: 6.45% (bottom quartile). 1Y return: 6.44% (bottom quartile). Point 6 1M return: 0.48% (upper mid). 1M return: 0.48% (top quartile). 1M return: 0.48% (lower mid). 1M return: 0.48% (bottom quartile). 1M return: 0.48% (upper mid). 1M return: 0.48% (bottom quartile). Point 7 Sharpe: 3.01 (top quartile). Sharpe: 2.92 (lower mid). Sharpe: 2.94 (upper mid). Sharpe: 2.85 (bottom quartile). Sharpe: 2.80 (bottom quartile). Sharpe: 2.97 (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): 6.37% (upper mid). Yield to maturity (debt): 6.26% (bottom quartile). Yield to maturity (debt): 6.38% (upper mid). Yield to maturity (debt): 6.32% (bottom quartile). Yield to maturity (debt): 6.56% (top quartile). Yield to maturity (debt): 6.36% (lower mid). Point 10 Modified duration: 0.12 yrs (bottom quartile). Modified duration: 0.11 yrs (upper mid). Modified duration: 0.12 yrs (bottom quartile). Modified duration: 0.12 yrs (lower mid). Modified duration: 0.11 yrs (upper mid). Modified duration: 0.10 yrs (top quartile). Axis Liquid Fund
Edelweiss Liquid Fund
DSP Liquidity Fund
Invesco India Liquid Fund
Aditya Birla Sun Life Liquid 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. Bandhan Banking & PSU Debt Fund Growth ₹26.3099
↑ 0.00 ₹12,109 0.8 2.9 5.1 6.9 7.1 7.1% 2Y 3M 29D 3Y 5M 1D Banking & PSU Debt Bandhan Corporate Bond Fund Growth ₹20.5367
↑ 0.00 ₹13,668 0.6 2.8 5 6.8 7.4 7.17% 2Y 9M 18D 4Y 6M 4D Corporate Bond ICICI Prudential Short Term Fund Growth ₹64.4002
↑ 0.01 ₹19,403 0.5 2.6 4.9 7.1 8 7.89% 2Y 7M 2D 4Y 3M 25D Short term Bond ICICI Prudential Corporate Bond Fund Growth ₹31.8861
↑ 0.00 ₹29,688 0.3 2.6 4.8 7.1 8 7.69% 3Y 1M 13D 5Y 4M 28D Corporate Bond HDFC Short Term Debt Fund Growth ₹34.1659
↑ 0.01 ₹14,486 0.5 2.5 4.7 7.2 7.8 7.78% 2Y 5M 1D 3Y 3M 11D Short term Bond SBI Short Term Debt Fund Growth ₹34.1361
↑ 0.01 ₹13,435 0.5 2.4 4.2 6.8 7.8 7.62% 2Y 8M 26D 3Y 10M 20D Short term Bond Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Oct 26 Research Highlights & Commentary of 6 Funds showcased
Commentary Bandhan Banking & PSU Debt Fund Bandhan Corporate Bond Fund ICICI Prudential Short Term Fund ICICI Prudential Corporate Bond Fund HDFC Short Term Debt Fund SBI Short Term Debt Fund Point 1 Bottom quartile AUM (₹12,109 Cr). Lower mid AUM (₹13,668 Cr). Upper mid AUM (₹19,403 Cr). Highest AUM (₹29,688 Cr). Upper mid AUM (₹14,486 Cr). Bottom quartile AUM (₹13,435 Cr). Point 2 Established history (13+ yrs). Established history (10+ yrs). Oldest track record among peers (24 yrs). Established history (17+ yrs). Established history (16+ yrs). Established history (19+ yrs). Point 3 Rating: 2★ (bottom quartile). Not Rated. Top rated. Rating: 4★ (upper mid). Rating: 3★ (upper mid). Rating: 3★ (lower mid). Point 4 Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Moderately Low. Point 5 1Y return: 5.12% (top quartile). 1Y return: 4.98% (upper mid). 1Y return: 4.94% (upper mid). 1Y return: 4.76% (lower mid). 1Y return: 4.65% (bottom quartile). 1Y return: 4.20% (bottom quartile). Point 6 1M return: 0.03% (top quartile). 1M return: -0.05% (upper mid). 1M return: -0.23% (bottom quartile). 1M return: -0.39% (bottom quartile). 1M return: -0.21% (lower mid). 1M return: -0.19% (upper mid). Point 7 Sharpe: 0.08 (upper mid). Sharpe: 0.06 (lower mid). Sharpe: 0.16 (upper mid). Sharpe: 0.19 (top quartile). Sharpe: -0.04 (bottom quartile). Sharpe: -0.28 (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): 7.10% (bottom quartile). Yield to maturity (debt): 7.17% (bottom quartile). Yield to maturity (debt): 7.89% (top quartile). Yield to maturity (debt): 7.69% (upper mid). Yield to maturity (debt): 7.78% (upper mid). Yield to maturity (debt): 7.62% (lower mid). Point 10 Modified duration: 2.33 yrs (top quartile). Modified duration: 2.80 yrs (bottom quartile). Modified duration: 2.59 yrs (upper mid). Modified duration: 3.12 yrs (bottom quartile). Modified duration: 2.42 yrs (upper mid). Modified duration: 2.74 yrs (lower mid). Bandhan Banking & PSU Debt Fund
Bandhan Corporate Bond Fund
ICICI Prudential Short Term Fund
ICICI Prudential Corporate Bond Fund
HDFC Short Term Debt Fund
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 (%) 2025 (%) Sub Cat. Aditya Birla Sun Life Medium Term Plan Growth ₹43.7488
↑ 0.01 ₹3,319 0.5 3 7.3 9.9 11.8 10.9 Medium term Bond Kotak Medium Term Fund Growth ₹24.4637
↑ 0.01 ₹1,926 0.4 2.6 4.9 7.9 6.3 8.9 Medium term Bond Bandhan Government Securities Fund - Investment Plan Growth ₹37.5344
↑ 0.01 ₹1,850 -0.6 4.4 6.6 7.8 5.8 3.7 Government Bond ICICI Prudential Medium Term Bond Fund Growth ₹48.5521
↑ 0.02 ₹5,419 0.6 3.1 5.7 7.8 6.6 9 Medium term Bond Axis Strategic Bond Fund Growth ₹30.1035
↑ 0.01 ₹2,112 0.5 3 5.3 7.7 6.6 8.2 Medium term Bond HDFC Medium Term Debt Fund Growth ₹60.3722
↑ 0.02 ₹3,599 0.7 3.1 5.3 7.2 6 7.7 Medium term Bond Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Oct 26 Research Highlights & Commentary of 6 Funds showcased
Commentary Aditya Birla Sun Life Medium Term Plan Kotak Medium Term Fund Bandhan Government Securities Fund - Investment Plan ICICI Prudential Medium Term Bond Fund Axis Strategic Bond Fund HDFC Medium Term Debt Fund Point 1 Upper mid AUM (₹3,319 Cr). Bottom quartile AUM (₹1,926 Cr). Bottom quartile AUM (₹1,850 Cr). Highest AUM (₹5,419 Cr). Lower mid AUM (₹2,112 Cr). Upper mid AUM (₹3,599 Cr). Point 2 Established history (17+ yrs). Established history (12+ yrs). Established history (17+ yrs). Established history (22+ yrs). Established history (14+ yrs). Oldest track record among peers (24 yrs). Point 3 Top rated. Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). 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: 7.32% (top quartile). 1Y return: 4.89% (bottom quartile). 1Y return: 6.61% (upper mid). 1Y return: 5.68% (upper mid). 1Y return: 5.28% (bottom quartile). 1Y return: 5.32% (lower mid). Point 6 1M return: -0.24% (upper mid). 1M return: -0.40% (bottom quartile). 1M return: 0.22% (top quartile). 1M return: -0.26% (lower mid). 1M return: -0.28% (bottom quartile). 1M return: -0.12% (upper mid). Point 7 Sharpe: 1.28 (top quartile). Sharpe: 0.48 (lower mid). Sharpe: 0.66 (upper mid). Sharpe: 0.84 (upper mid). Sharpe: 0.46 (bottom quartile). Sharpe: 0.41 (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): 8.09% (bottom quartile). Yield to maturity (debt): 8.37% (upper mid). Yield to maturity (debt): 7.54% (bottom quartile). Yield to maturity (debt): 8.29% (upper mid). Yield to maturity (debt): 8.18% (lower mid). Yield to maturity (debt): 8.44% (top quartile). Point 10 Modified duration: 2.95 yrs (upper mid). Modified duration: 2.99 yrs (upper mid). Modified duration: 11.40 yrs (bottom quartile). Modified duration: 3.03 yrs (lower mid). Modified duration: 3.25 yrs (bottom quartile). Modified duration: 2.70 yrs (top quartile). Aditya Birla Sun Life Medium Term Plan
Kotak Medium Term Fund
Bandhan Government Securities Fund - Investment Plan
ICICI Prudential Medium Term Bond Fund
Axis Strategic Bond Fund
HDFC Medium Term Debt 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 ₹99.3871
↑ 1.10 ₹42,852 3.2 10.8 -4.1 17.1 17.9 -12.1 Mid Cap Invesco India Mid Cap Fund Growth ₹187.46
↑ 1.70 ₹14,721 -5.5 9.9 2.9 20.7 16.3 6.3 Mid Cap Nippon India Small Cap Fund Growth ₹178.915
↑ 1.20 ₹82,580 -0.2 13.2 6.5 13.7 16.2 -4.7 Small Cap HDFC Mid-Cap Opportunities Fund Growth ₹198.134
↑ 2.47 ₹108,325 -4.1 3.1 0.9 15.2 16.2 6.8 Mid Cap DSP Small Cap Fund Growth ₹223.036
↑ 0.76 ₹21,659 1.2 17.1 15.8 15.7 15.2 -2.8 Small Cap IDBI Small Cap Fund Growth ₹34.2065
↑ 0.26 ₹832 2 21.3 12.1 16 14.9 -13.4 Small Cap Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Oct 26 Research Highlights & Commentary of 6 Funds showcased
Commentary Motilal Oswal Midcap 30 Fund Invesco India Mid Cap Fund Nippon India Small Cap Fund HDFC Mid-Cap Opportunities Fund DSP Small Cap Fund IDBI Small Cap Fund Point 1 Upper mid AUM (₹42,852 Cr). Bottom quartile AUM (₹14,721 Cr). Upper mid AUM (₹82,580 Cr). Highest AUM (₹108,325 Cr). Lower mid AUM (₹21,659 Cr). Bottom quartile AUM (₹832 Cr). Point 2 Established history (12+ yrs). Oldest track record among peers (19 yrs). Established history (16+ yrs). Established history (19+ yrs). Established history (19+ yrs). Established history (9+ yrs). Point 3 Rating: 3★ (upper mid). Rating: 2★ (bottom quartile). Top rated. Rating: 3★ (lower mid). Rating: 4★ (upper mid). Not Rated. Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 17.92% (top quartile). 5Y return: 16.27% (upper mid). 5Y return: 16.19% (upper mid). 5Y return: 16.15% (lower mid). 5Y return: 15.15% (bottom quartile). 5Y return: 14.90% (bottom quartile). Point 6 3Y return: 17.14% (upper mid). 3Y return: 20.70% (top quartile). 3Y return: 13.72% (bottom quartile). 3Y return: 15.16% (bottom quartile). 3Y return: 15.74% (lower mid). 3Y return: 16.00% (upper mid). Point 7 1Y return: -4.13% (bottom quartile). 1Y return: 2.88% (lower mid). 1Y return: 6.53% (upper mid). 1Y return: 0.91% (bottom quartile). 1Y return: 15.77% (top quartile). 1Y return: 12.06% (upper mid). Point 8 Alpha: -7.99 (bottom quartile). Alpha: 0.00 (bottom quartile). Alpha: 1.64 (upper mid). Alpha: 0.08 (lower mid). Alpha: 9.89 (top quartile). Alpha: 8.28 (upper mid). Point 9 Sharpe: 0.06 (bottom quartile). Sharpe: 0.29 (bottom quartile). Sharpe: 0.44 (lower mid). Sharpe: 0.49 (upper mid). Sharpe: 0.71 (top quartile). Sharpe: 0.70 (upper mid). Point 10 Information ratio: 0.16 (upper mid). Information ratio: 0.00 (bottom quartile). Information ratio: -0.15 (bottom quartile). Information ratio: 0.16 (lower mid). Information ratio: 0.47 (top quartile). Information ratio: 0.29 (upper mid). Motilal Oswal Midcap 30 Fund
Invesco India Mid Cap Fund
Nippon India Small Cap Fund
HDFC Mid-Cap Opportunities Fund
DSP Small Cap Fund
IDBI Small Cap Fund
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