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Top 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 Top 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 2025. These funds have been shortlisted as per the category ranking.
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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 ₹551.172
↑ 0.13 ₹18,981 2 4.2 8.1 7.4 7.9 6.92% 4M 13D 5M 8D Ultrashort Bond ICICI Prudential Ultra Short Term Fund Growth ₹27.8307
↑ 0.01 ₹16,269 1.9 4 7.6 7.1 7.5 6.88% 5M 12D 8M 8D Ultrashort Bond SBI Magnum Ultra Short Duration Fund Growth ₹6,001.79
↑ 1.35 ₹16,434 1.8 3.9 7.6 7.1 7.4 0.49% 5M 16D 6M 25D Ultrashort Bond Kotak Savings Fund Growth ₹43.071
↑ 0.01 ₹15,401 1.8 3.9 7.4 6.9 7.2 6.63% 5M 23D 6M Ultrashort Bond Axis Liquid Fund Growth ₹2,916.18
↑ 0.40 ₹36,089 1.6 3.5 7.1 7 7.4 6.3% 1M 8D 1M 11D Liquid Fund DSP BlackRock Liquidity Fund Growth ₹3,739.06
↑ 0.51 ₹17,752 1.6 3.4 7.1 7 7.4 6.51% 1M 6D 1M 10D Liquid Fund Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Jul 25
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. Kotak Corporate Bond Fund Standard Growth ₹3,807.51
↑ 1.74 ₹16,661 2 5.3 9.5 7.8 8.3 6.74% 3Y 2M 26D 4Y 5M 26D Corporate Bond Aditya Birla Sun Life Corporate Bond Fund Growth ₹113.864
↑ 0.09 ₹28,436 1.8 5.1 9.3 8.1 8.5 6.84% 4Y 18D 6Y 1M 20D Corporate Bond HDFC Corporate Bond Fund Growth ₹32.8273
↑ 0.02 ₹35,493 1.9 5.1 9.3 8.1 8.6 6.83% 4Y 2M 5D 6Y 3M 18D Corporate Bond IDFC Corporate Bond Fund Growth ₹19.3975
↑ 0.01 ₹15,304 2 5.2 9.3 7.4 7.7 6.59% 3Y 3M 7D 4Y 1M 20D Corporate Bond IDFC Bond Fund Short Term Plan Growth ₹57.6699
↑ 0.04 ₹10,697 2.1 5.3 9.2 7.6 7.8 6.57% 2Y 10M 10D 3Y 7M 10D Short term Bond HDFC Short Term Debt Fund Growth ₹32.2822
↑ 0.01 ₹17,019 2.1 5.1 9.2 7.9 8.3 6.87% 2Y 9M 4Y 1M 2D Short term Bond Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Jul 25
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 ₹40.1809
↑ 0.02 ₹2,504 2.4 7.7 13.9 9.6 12.3 10.5 Medium term Bond ICICI Prudential Gilt Fund Growth ₹103.869
↑ 0.12 ₹7,347 1.6 5.6 9.7 8.8 6.3 8.2 Government Bond SBI Magnum Gilt Fund Growth ₹66.4796
↑ 0.15 ₹12,573 0.3 4.9 8.3 8.4 6.1 8.9 Government Bond DSP BlackRock Government Securities Fund Growth ₹96.5707
↑ 0.28 ₹1,904 0.5 4.8 8.3 8.3 6 10.1 Government Bond Axis Gilt Fund Growth ₹25.7595
↑ 0.04 ₹770 0.7 5.1 9 8.2 6 10 Government Bond TATA Gilt Securities Fund Growth ₹79.2801
↑ 0.23 ₹1,159 1.4 5.9 9.3 8.2 5.2 8.3 Government Bond Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Jul 25
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 ₹174.107
↓ -1.29 ₹63,007 13.1 5.2 -0.6 28.6 37.4 26.1 Small Cap Motilal Oswal Midcap 30 Fund Growth ₹102.881
↓ -0.52 ₹30,401 13.2 2.1 5.3 31.8 35.6 57.1 Mid Cap L&T Emerging Businesses Fund Growth ₹84.7745
↓ -0.63 ₹16,061 15.4 2.3 -1.1 25.7 35.1 28.5 Small Cap Franklin India Smaller Companies Fund Growth ₹177.792
↓ -1.53 ₹13,545 13.3 5.6 -2.4 28.4 34.4 23.2 Small Cap HDFC Small Cap Fund Growth ₹143.852
↓ -0.31 ₹34,032 17.2 8.2 5.2 27.6 34.1 20.4 Small Cap Kotak Small Cap Fund Growth ₹269.569
↓ -1.40 ₹17,329 13.2 3.8 -0.6 20.6 32.5 25.5 Small Cap Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Jul 25
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