+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 ₹3,122.99
↑ 0.60 ₹56,438 1.7 3.4 6.4 6.9 6.6 6.47% 2M 5D 2M 5D Liquid Fund Edelweiss Liquid Fund Growth ₹3,586.26
↑ 0.66 ₹13,796 1.7 3.4 6.4 6.9 6.5 6.33% 2M 2D 2M 2D Liquid Fund DSP Liquidity Fund Growth ₹4,003.04
↑ 0.73 ₹22,962 1.7 3.3 6.4 6.9 6.5 6.45% 2M 5D 2M 8D Liquid Fund Aditya Birla Sun Life Liquid Fund Growth ₹451.73
↑ 0.07 ₹68,800 1.7 3.3 6.4 6.9 6.5 6.49% 2M 5D 2M 5D Liquid Fund UTI Liquid Cash Plan Growth ₹459.889
↑ 0.08 ₹26,728 1.7 3.3 6.4 6.9 6.5 6.31% 1M 27D 1M 27D Liquid Fund Invesco India Liquid Fund Growth ₹3,852.99
↑ 0.69 ₹20,723 1.7 3.3 6.4 6.9 6.5 6.32% 1M 11D 1M 11D Liquid Fund Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Aug 26 Research Highlights & Commentary of 6 Funds showcased
Commentary Axis Liquid Fund Edelweiss Liquid Fund DSP Liquidity Fund Aditya Birla Sun Life Liquid Fund UTI Liquid Cash Plan Invesco India Liquid Fund Point 1 Upper mid AUM (₹56,438 Cr). Bottom quartile AUM (₹13,796 Cr). Lower mid AUM (₹22,962 Cr). Highest AUM (₹68,800 Cr). Upper mid AUM (₹26,728 Cr). Bottom quartile AUM (₹20,723 Cr). Point 2 Established history (16+ yrs). Established history (18+ yrs). Established history (20+ yrs). Oldest track record among peers (22 yrs). Established history (22+ yrs). Established history (19+ yrs). Point 3 Top rated. Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Rating: 4★ (upper mid). Point 4 Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 6.44% (top quartile). 1Y return: 6.43% (upper mid). 1Y return: 6.41% (upper mid). 1Y return: 6.39% (lower mid). 1Y return: 6.39% (bottom quartile). 1Y return: 6.38% (bottom quartile). Point 6 1M return: 0.55% (upper mid). 1M return: 0.54% (upper mid). 1M return: 0.55% (top quartile). 1M return: 0.54% (bottom quartile). 1M return: 0.54% (bottom quartile). 1M return: 0.54% (lower mid). Point 7 Sharpe: 2.57 (top quartile). Sharpe: 2.51 (upper mid). Sharpe: 2.50 (lower mid). Sharpe: 2.40 (bottom quartile). Sharpe: 2.54 (upper mid). Sharpe: 2.42 (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): 6.47% (upper mid). Yield to maturity (debt): 6.33% (lower mid). Yield to maturity (debt): 6.45% (upper mid). Yield to maturity (debt): 6.49% (top quartile). Yield to maturity (debt): 6.31% (bottom quartile). Yield to maturity (debt): 6.32% (bottom quartile). Point 10 Modified duration: 0.18 yrs (bottom quartile). Modified duration: 0.17 yrs (upper mid). Modified duration: 0.18 yrs (lower mid). Modified duration: 0.18 yrs (bottom quartile). Modified duration: 0.16 yrs (upper mid). Modified duration: 0.12 yrs (top quartile). Axis Liquid Fund
Edelweiss Liquid Fund
DSP Liquidity Fund
Aditya Birla Sun Life Liquid Fund
UTI Liquid Cash Plan
Invesco India Liquid Fund
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 Corporate Bond Fund Growth ₹31.9282
↓ -0.01 ₹30,202 2.4 2.8 5.9 7.3 8 7.35% 3Y 5M 23D 6Y 14D Corporate Bond ICICI Prudential Short Term Fund Growth ₹64.3626
↓ -0.02 ₹19,260 2.3 2.8 5.8 7.2 8 7.61% 2Y 11M 5D 4Y 10M 13D Short term Bond Bandhan Banking & PSU Debt Fund Growth ₹26.2121
↓ -0.01 ₹12,130 2.4 3 5.6 6.9 7.1 6.99% 2Y 5M 23D 3Y 6M Banking & PSU Debt Bandhan Corporate Bond Fund Growth ₹20.4744
↓ -0.01 ₹13,675 2.4 3 5.6 7 7.4 7.08% 2Y 10M 13D 4Y 5M 19D Corporate Bond HDFC Short Term Debt Fund Growth ₹34.1109
↓ -0.01 ₹15,081 2.2 2.5 5.5 7.2 7.8 7.48% 2Y 6M 3Y 6M 18D Short term Bond Aditya Birla Sun Life Corporate Bond Fund Growth ₹119.424
↓ -0.08 ₹23,623 2.4 2.3 5.1 7 7.4 7.34% 4Y 1M 6D 6Y 7M 28D Corporate Bond Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Aug 26 Research Highlights & Commentary of 6 Funds showcased
Commentary ICICI Prudential Corporate Bond Fund ICICI Prudential Short Term Fund Bandhan Banking & PSU Debt Fund Bandhan Corporate Bond Fund HDFC Short Term Debt Fund Aditya Birla Sun Life Corporate Bond Fund Point 1 Highest AUM (₹30,202 Cr). Upper mid AUM (₹19,260 Cr). Bottom quartile AUM (₹12,130 Cr). Bottom quartile AUM (₹13,675 Cr). Lower mid AUM (₹15,081 Cr). Upper mid AUM (₹23,623 Cr). Point 2 Established history (17+ yrs). Established history (24+ yrs). Established history (13+ yrs). Established history (10+ yrs). Established history (16+ yrs). Oldest track record among peers (29 yrs). Point 3 Rating: 4★ (upper mid). Rating: 4★ (upper mid). Rating: 2★ (bottom quartile). Not Rated. Rating: 3★ (lower mid). Top rated. Point 4 Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderately Low. Point 5 1Y return: 5.94% (top quartile). 1Y return: 5.83% (upper mid). 1Y return: 5.63% (upper mid). 1Y return: 5.59% (lower mid). 1Y return: 5.45% (bottom quartile). 1Y return: 5.13% (bottom quartile). Point 6 1M return: 0.15% (upper mid). 1M return: 0.24% (top quartile). 1M return: 0.16% (upper mid). 1M return: 0.08% (lower mid). 1M return: 0.06% (bottom quartile). 1M return: -0.06% (bottom quartile). Point 7 Sharpe: 0.12 (top quartile). Sharpe: 0.06 (upper mid). Sharpe: -0.06 (lower mid). Sharpe: -0.09 (bottom quartile). Sharpe: -0.06 (upper mid). Sharpe: -0.27 (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): 7.35% (upper mid). Yield to maturity (debt): 7.61% (top quartile). Yield to maturity (debt): 6.99% (bottom quartile). Yield to maturity (debt): 7.08% (bottom quartile). Yield to maturity (debt): 7.48% (upper mid). Yield to maturity (debt): 7.34% (lower mid). Point 10 Modified duration: 3.48 yrs (bottom quartile). Modified duration: 2.93 yrs (lower mid). Modified duration: 2.48 yrs (top quartile). Modified duration: 2.87 yrs (upper mid). Modified duration: 2.50 yrs (upper mid). Modified duration: 4.10 yrs (bottom quartile). ICICI Prudential Corporate Bond Fund
ICICI Prudential Short Term Fund
Bandhan Banking & PSU Debt Fund
Bandhan Corporate Bond Fund
HDFC Short Term Debt Fund
Aditya Birla Sun Life Corporate Bond 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 ₹43.7327
↓ -0.02 ₹3,280 2.6 3.2 8.6 9.8 12 10.9 Medium term Bond Kotak Medium Term Fund Growth ₹24.4953
↓ -0.01 ₹1,915 2.7 2.6 6.9 8 6.4 8.9 Medium term Bond ICICI Prudential Medium Term Bond Fund Growth ₹48.5746
↓ -0.01 ₹5,481 2.7 3.4 7.4 7.8 6.8 9 Medium term Bond Axis Strategic Bond Fund Growth ₹30.1104
↓ -0.02 ₹2,098 2.6 3 6.5 7.8 6.7 8.2 Medium term Bond Bandhan Government Securities Fund - Investment Plan Growth ₹37.4383
↓ -0.05 ₹1,875 3.1 4.9 8 7.4 5.8 3.7 Government Bond SBI Magnum Medium Duration Fund Growth ₹54.8693
↓ -0.02 ₹6,498 2.8 3.3 6.6 7.3 6.3 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 28 Aug 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 Bandhan Government Securities Fund - Investment Plan SBI Magnum Medium Duration Fund Point 1 Upper mid AUM (₹3,280 Cr). Bottom quartile AUM (₹1,915 Cr). Upper mid AUM (₹5,481 Cr). Lower mid AUM (₹2,098 Cr). Bottom quartile AUM (₹1,875 Cr). Highest AUM (₹6,498 Cr). Point 2 Established history (17+ yrs). Established history (12+ yrs). Established history (21+ yrs). Established history (14+ yrs). Established history (17+ yrs). Oldest track record among peers (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: 8.64% (top quartile). 1Y return: 6.87% (lower mid). 1Y return: 7.41% (upper mid). 1Y return: 6.53% (bottom quartile). 1Y return: 8.05% (upper mid). 1Y return: 6.62% (bottom quartile). Point 6 1M return: 0.21% (bottom quartile). 1M return: 0.34% (upper mid). 1M return: 0.47% (top quartile). 1M return: 0.24% (lower mid). 1M return: -0.23% (bottom quartile). 1M return: 0.44% (upper mid). Point 7 Sharpe: 1.10 (top quartile). Sharpe: 0.34 (upper mid). Sharpe: 0.58 (upper mid). Sharpe: 0.33 (lower mid). Sharpe: 0.09 (bottom quartile). Sharpe: 0.18 (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): 8.05% (upper mid). Yield to maturity (debt): 8.20% (top quartile). Yield to maturity (debt): 8.06% (upper mid). Yield to maturity (debt): 8.02% (bottom quartile). Yield to maturity (debt): 7.37% (bottom quartile). Yield to maturity (debt): 8.05% (lower mid). Point 10 Modified duration: 3.14 yrs (upper mid). Modified duration: 2.98 yrs (top quartile). Modified duration: 3.34 yrs (bottom quartile). Modified duration: 3.27 yrs (lower mid). Modified duration: 11.43 yrs (bottom quartile). Modified duration: 3.07 yrs (upper mid). Aditya Birla Sun Life Medium Term Plan
Kotak Medium Term Fund
ICICI Prudential Medium Term Bond Fund
Axis Strategic Bond Fund
Bandhan Government Securities Fund - Investment Plan
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 ₹106.245
↑ 0.05 ₹40,036 13.9 19.3 3.7 21 22.6 -12.1 Mid Cap HDFC Mid-Cap Opportunities Fund Growth ₹213.82
↑ 0.13 ₹105,143 5.9 5.6 12.1 18.7 20.2 6.8 Mid Cap Invesco India Mid Cap Fund Growth ₹201.29
↓ -1.21 ₹14,721 8.7 13.5 13 24.2 20.1 6.3 Mid Cap Nippon India Small Cap Fund Growth ₹186.444
↑ 0.13 ₹78,957 6.5 15 13.1 16.2 19.7 -4.7 Small Cap Edelweiss Mid Cap Fund Growth ₹110.998
↓ -0.02 ₹18,693 3.9 7.9 12.1 21.4 18.9 3.8 Mid Cap DSP Small Cap Fund Growth ₹232.944
↑ 0.72 ₹20,221 12.6 19.7 19.7 18.2 18.7 -2.8 Small Cap Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Aug 26 Research Highlights & Commentary of 6 Funds showcased
Commentary Motilal Oswal Midcap 30 Fund HDFC Mid-Cap Opportunities Fund Invesco India Mid Cap Fund Nippon India Small Cap Fund Edelweiss Mid Cap Fund DSP Small Cap Fund Point 1 Upper mid AUM (₹40,036 Cr). Highest AUM (₹105,143 Cr). Bottom quartile AUM (₹14,721 Cr). Upper mid AUM (₹78,957 Cr). Bottom quartile AUM (₹18,693 Cr). Lower mid AUM (₹20,221 Cr). Point 2 Established history (12+ yrs). Oldest track record among peers (19 yrs). Established history (19+ yrs). Established history (15+ yrs). Established history (18+ yrs). Established history (19+ yrs). Point 3 Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). Top rated. 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: 22.62% (top quartile). 5Y return: 20.19% (upper mid). 5Y return: 20.12% (upper mid). 5Y return: 19.74% (lower mid). 5Y return: 18.89% (bottom quartile). 5Y return: 18.68% (bottom quartile). Point 6 3Y return: 20.98% (upper mid). 3Y return: 18.69% (lower mid). 3Y return: 24.20% (top quartile). 3Y return: 16.23% (bottom quartile). 3Y return: 21.43% (upper mid). 3Y return: 18.20% (bottom quartile). Point 7 1Y return: 3.65% (bottom quartile). 1Y return: 12.14% (lower mid). 1Y return: 13.01% (upper mid). 1Y return: 13.05% (upper mid). 1Y return: 12.13% (bottom quartile). 1Y return: 19.68% (top quartile). Point 8 Alpha: -9.71 (bottom quartile). Alpha: 0.12 (upper mid). Alpha: 0.00 (lower mid). Alpha: 0.80 (top quartile). Alpha: 0.40 (upper mid). Alpha: 0.00 (bottom quartile). Point 9 Sharpe: -0.24 (bottom quartile). Sharpe: 0.25 (lower mid). Sharpe: 0.29 (upper mid). Sharpe: 0.12 (bottom quartile). Sharpe: 0.27 (upper mid). Sharpe: 0.30 (top quartile). Point 10 Information ratio: 0.06 (upper mid). Information ratio: 0.06 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: -0.26 (bottom quartile). Information ratio: 0.68 (top quartile). Information ratio: 0.00 (bottom quartile). Motilal Oswal Midcap 30 Fund
HDFC Mid-Cap Opportunities Fund
Invesco India Mid Cap Fund
Nippon India Small Cap Fund
Edelweiss Mid Cap Fund
DSP Small Cap Fund
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