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Mutual Funds in India: Meaning, Types, Benefits & How to Invest

Updated on September 6, 2026 , 145863 views

A mutual fund is an investment vehicle that pools money from multiple investors who have a common investment objective. The pooled money is then invested in securities such as stocks, bonds, money-market instruments or other permitted assets, depending on the scheme's investment objective.

A professional fund management team manages the portfolio according to the scheme's stated strategy. Investors receive units in the mutual fund, and the value of those units changes based on the performance of the underlying investments.

In India, mutual funds are regulated by the Securities and Exchange Board of India (SEBI), which establishes rules and guidelines for mutual fund schemes and the entities involved in managing them.

what-is-a-mutual-fund

If you are new to investing, you may have questions such as - What is a mutual fund? How do mutual funds work? What are the different Types of Mutual Funds? Which mutual fund may be suitable for your goal? How can you invest through a SIP or lump sum?

This guide explains the basics of mutual funds in India, including their types, how investments and returns work, how to choose a fund, how to invest and other important concepts such as NAV and mutual fund ratings.

History of Mutual Funds in India

The history of mutual funds in India dates back to 1963, when Unit Trust of India (UTI) was established. For several years, UTI was the primary mutual fund institution in the country.

The industry gradually expanded with the entry of public-sector and private-sector fund houses. The establishment of SEBI as the securities-market regulator and the formation of the Association of Mutual Funds in India (AMFI) also contributed to the development of the mutual fund industry and investor awareness.

Today, investors can choose from mutual fund schemes across equity, debt, hybrid and other categories.

How Do Mutual Fund Investments Work?

Investors can generally invest in Mutual Funds through -

  • Lump-sum investment - Investing a larger amount at one time
  • Systematic Investment Plan (SIP) - Investing a predetermined amount at regular intervals, usually monthly

The choice between SIP and lump-sum investing depends on factors such as income, cash flow, investment objective, risk tolerance and market conditions.

A SIP can help investors invest regularly and build an investment habit, while a lump-sum investment allows an investor to deploy a larger amount at once. A mutual fund investment should be selected based on the investor's financial goal and risk profile rather than simply on the expected return.

Mutual Fund Returns

Mutual fund returns vary depending on the type of scheme, the securities in its portfolio and market conditions.

Equity-oriented funds can experience significant fluctuations but may offer higher growth potential over longer periods. Debt funds generally have different return and interest-rate characteristics, while Hybrid Fund combine exposure to more than one asset class.

When evaluating a mutual fund, do not rely only on the highest recent return. Consider:

  • Returns across multiple periods
  • Performance against the relevant benchmark
  • Performance compared with funds in the same category
  • Volatility and risk
  • Expense ratio
  • Portfolio composition
  • Investment strategy

5 Year Returns Across Categories

Mutual Fund Category Approx. 5-Year Annualised Return
Large cap funds 16–17%
Large & mid cap funds 17–18%
Flexi Cap Funds 17–18%
Mid Cap Funds 23–25%
Small Cap Funds 23–26%
ELSS Funds 16–18%
Hybrid Funds 12–16%
Debt Funds 5.5–6.5%

(Returns As of 2026)

Returns shown above are indicative historical annualised returns and can vary depending on the fund, measurement period and market conditions.

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Types of Mutual Funds in India

Mutual funds can be broadly classified based on the type of assets they invest in, their investment strategy and their objectives.

The major categories include -

  • Equity Mutual Funds
  • Debt Mutual Funds
  • Hybrid Mutual Funds
  • Solution-Oriented Schemes
  • Other Mutual Fund Schemes

The following sections explain the major categories and how they differ.

1. Equity Mutual Funds

Equity mutual funds invest primarily in shares and equity-related securities. Their returns are linked to the performance of the underlying equity portfolio, so they can experience significant market fluctuations.

These funds are generally considered by investors seeking long-term capital growth and who are comfortable with equity-market volatility. The major equity-fund categories include:

  • Large-Cap Funds

Large-cap funds invest predominantly in large-cap companies. These companies are generally among the largest by full market capitalisation. Large-cap funds may be considered by investors seeking equity exposure to relatively established companies, although they remain subject to equity-market risk.

  • Mid-Cap Funds

Mid-cap funds invest predominantly in mid-cap companies. These companies are smaller than large-cap companies and can have greater growth potential, but they can also experience higher volatility. Mid-cap funds may therefore be more suitable for investors who can tolerate fluctuations and have an appropriately long investment horizon.

  • Large and Mid Cap Fund

Large & Mid-Cap Funds invest across both large-cap and mid-cap companies. This provides exposure to relatively established businesses as well as mid-sized companies with potential for growth. These funds remain equity-oriented and can experience significant market fluctuations.

SEBI has set a clear classification as to what is a large cap, mid cap and small cap:

Market Capitalization Description
Large cap company 1st to 100th company in terms of full market capitalization
Mid cap company 101st to 250th company in terms of full market capitalization
Small cap company 251st company onwards in terms of full market capitalization
  • Multi Cap Equity Fund

    In multi-cap funds, the fund manager invests across the board in large-caps and mid-caps without any restriction (the only restriction being the fund mandate). A minimum of 65 percent of its total assets should be allocated to equities.

  • Equity Linked Savings Scheme

    Equity Linked Savings Schemes (ELSS) is a tax saving fund that comes with a lock-in period of three years. A minimum of 80 percent of its total assets has to be invested in equities.

  • Dividend Yield Fund

    This fund will predominantly invest in dividend yielding stocks. This scheme will invest a minimum 65 percent of its total assets in equities, but in dividend yielding stocks.

  • Value Fund

    This is an equity fund that will follow the value investment strategy.

  • Contra Fund

    This equity scheme will follow the contrarian investment strategy. Value/Contra will invest at least 65 percent of its total assets in equities, but a Mutual Fund house can either offer a value fund or a contra fund, but not both.

  • Focused Fund

    This fund will focus on large, mid, small or multi-cap stocks, but can have a maximum of 30 stocks. focused fund can invest at least 65 percent of its total assets in equities.

  • Sector/Thematic Fund

    These are the funds that invest in a particular sector or a theme. At least 80 percent of the total assets of these schemes will be invested in a particular sector or theme.

  • Index Funds

    Index Funds are passively managed mutual funds that aim to replicate the performance of a market index, such as the Nifty 50 or Sensex. They invest in the securities of the underlying index in similar proportions, subject to tracking error and expenses.

2. Debt Funds

Debt mutual funds invest primarily in fixed-income and money-market instruments such as government securities, corporate bonds and other permitted debt instruments. The risk and return characteristics of debt funds vary depending on factors such as credit quality, interest-rate sensitivity and portfolio duration.

Major debt-fund categories include:

  • Overnight Fund

    Overnight Funds invest in overnight securities with a maturity of one day. These funds generally carry relatively low interest-rate and credit risk because of the very short maturity of their underlying securities.

  • Liquid Fund

    Liquid Funds invest in debt and money market securities with a maturity of up to 91 days. They are generally used by investors looking to park money for a short period while seeking relatively low volatility compared with longer-duration debt funds. Returns are not guaranteed, and the value of the investment can fluctuate.

  • Ultra Short Duration Fund

    Ultra Short Duration Funds invest in debt and money market instruments with a Macaulay duration between three and six months. Their interest-rate sensitivity is generally higher than that of liquid funds because they invest in securities with longer durations.

  • Low Duration Fund

    Low Duration Funds invest in debt and money market instruments with a Macaulay duration between six and 12 months. They generally have higher interest-rate sensitivity than ultra short duration funds.

  • Money Market Fund

    Money Market Funds invest in money market instruments with a maturity of up to one year. These may include instruments such as Treasury Bills, commercial papers and certificates of deposit.

  • Short Duration Fund

    Short Duration Funds invest in debt and money market instruments with a Macaulay duration between one and three years. Their returns can be affected by changes in interest rates as well as the credit quality of the securities in the portfolio.

  • Medium Duration Fund

    Medium Duration Funds invest in debt and money market instruments with a Macaulay duration between three and four years. These funds are more sensitive to changes in interest rates than shorter-duration debt funds.

  • Medium to Long Duration Fund

    Medium to Long Duration Funds invest in debt and money market instruments with a Macaulay duration between four and seven years. Their longer portfolio duration can make them more sensitive to changes in interest rates.

  • Long Duration Fund

    Long Duration Funds invest in debt and money market instruments with a Macaulay duration greater than seven years. These funds can experience greater price fluctuations when interest rates change because of their longer duration.

  • Dynamic Bond Fund

    Dynamic Bond Funds invest across different maturity periods. The fund manager can change the portfolio's duration and maturity profile based on the assessment of interest-rate movements and market conditions. As a result, the level of interest-rate risk can vary over time.

  • Corporate Bond Fund

    Corporate Bond Funds predominantly invest in highly rated corporate bonds. Under the current classification, these schemes are required to invest at least 80% of total assets in AA+ and above rated corporate bonds, subject to the applicable regulations.

  • Credit Risk Fund

    Credit Risk Funds invest predominantly in lower-rated corporate bonds and carry higher credit risk than categories that focus on highly rated securities. Under the current classification, these schemes are required to invest at least 65% of total assets in AA and below rated corporate bonds, excluding securities rated below investment grade.

  • Banking and PUS Fund

    Banking and PSU Funds predominantly invest in debt securities issued by banks, public sector undertakings and public financial institutions. These funds generally focus on securities issued by these institutions, but investors should still consider credit and interest-rate risks before investing.

  • Gilt Fund

    Gilt Funds invest predominantly in government securities issued by the central and state governments. They do not carry the same credit risk associated with corporate debt because the underlying securities are government securities, but they can be sensitive to changes in interest rates. Longer-duration gilt funds may experience greater price volatility when interest rates change.

  • Gilt Fund with 10-year Constant Duration

    These funds invest predominantly in government securities while maintaining a portfolio Macaulay duration of around 10 years, in accordance with the applicable scheme classification. Because of their long duration, they can be particularly sensitive to changes in interest rates.

  • Floater Fund

    Floater Funds predominantly invest in floating-rate instruments. Under the current classification, these schemes invest at least 65% of total assets in floating-rate instruments. Their interest-rate sensitivity can differ from fixed-rate debt funds because the interest payments on floating-rate securities can reset periodically.

3. Hybrid Funds

Hybrid mutual funds invest in more than one asset class, typically combining equity and debt. The allocation between asset classes varies across categories, which means hybrid funds can have different risk and return characteristics. Major hybrid-fund categories include -

  • Conservative Hybrid Fund

    Conservative Hybrid Funds invest predominantly in debt instruments while maintaining a smaller allocation to equity and equity-related instruments. Under the current classification, these schemes invest 75% to 90% of their total assets in debt instruments and 10% to 25% in equity and equity-related instruments.

  • Balanced Hybrid Fund

    Balanced Hybrid Funds invest in both equity and debt instruments, with 40% to 60% of total assets allocated to each. The category is designed to maintain a relatively balanced exposure to equity and debt, although the actual portfolio and risk level can vary within the permitted range.

  • Aggressive Hybrid Fund

    Aggressive Hybrid Funds invest predominantly in equity and equity-related instruments, with 65% to 80% of total assets allocated to equity and equity-related instruments and 20% to 35% to debt instruments. The higher equity allocation gives these funds greater exposure to equity-market movements compared with conservative and balanced hybrid funds.

  • Dynamic Asset Allocation or Balanced Advantage Fund

    This fund dynamically manage their allocation between equity and debt instruments. The fund manager can increase or reduce exposure to different asset classes based on the scheme's investment strategy and market conditions. The allocation can therefore change over time rather than remaining fixed.

  • Multi Asset Allocation

    Multi Asset Allocation Funds invest across at least three asset classes, with a minimum allocation of 10% of total assets to each asset class. Apart from equity and debt, the scheme may invest in another asset class, such as commodities, subject to the applicable regulations. Foreign securities are not treated as a separate asset class for this purpose.

  • Arbitrage Fund

    Arbitrage Funds seek to generate returns by taking advantage of price differences for the same or related securities across different market segments, such as the cash and derivatives markets. These schemes use an arbitrage strategy and must invest at least 65% of their total assets in equity and equity-related instruments.

  • Equity Savings

    This invest in a combination of equity, equity-related instruments, arbitrage opportunities and debt. These schemes must invest at least 65% of total assets in equity and equity-related instruments and at least 10% in debt. The scheme's investment strategy specifies the minimum hedged and unhedged exposure in the Scheme Information Document (SID).

4. Solution Oriented Schemes

  • Retirement Fund

    Retirement Funds are solution-oriented mutual fund schemes designed to help investors build a corpus for retirement. These schemes have a lock-in period of five years or until retirement age, whichever is earlier, subject to the applicable scheme terms.

  • Children’s Fund

    Children's Funds are solution-oriented schemes designed to help investors build a corpus for a child's future needs. These schemes have a lock-in period of five years or until the child reaches the age of majority, whichever is earlier, subject to the applicable scheme terms.

5. Other Schemes

  • Exchange Traded Funds (ETFs)

    ETFs are funds that are traded on stock exchanges like shares. They can track an index, commodity or other underlying assets and are bought and sold during market hours at prevailing market prices. A demat and trading account is generally required to invest in ETFs.

  • FoFs (Overseas Domestic)

    A Fund of Funds (FoF) is a mutual fund scheme that invests primarily in units of other mutual fund schemes or other permitted underlying funds. Instead of directly holding a portfolio of individual securities, investors gain exposure to the underlying funds through a single mutual fund scheme.

6. Other Mutual Fund Categories to Consider

  • International Funds

    International Funds invest in securities of companies, markets or funds outside India, depending on the scheme's investment objective. They may provide investors with exposure to international markets and currencies and can invest across developed markets, emerging markets or specific overseas sectors.

    The level of risk depends on the underlying investments, geographical exposure, currency movements and market conditions.

  • Gold Funds

    Gold Funds are mutual fund schemes that primarily invest in gold-related instruments, typically through units of gold ETFs or other permitted gold-related securities.

    Unlike Gold ETFs, investors in a Gold Fund do not need a demat or trading account to purchase the mutual fund units. The value of the fund is influenced by movements in gold prices as well as the performance and expenses of the underlying investments.

Best Mutual Funds in India 2026

Fincash's mutual fund lists use quantitative filters and fund-level data to identify schemes for comparison.

Fund Selection Methodology used to find 10 funds

  • Category: Equity
  • AUM Range: 300 to 1000000 Cr
  • Sorted On : drat (high to low)
  • Tags: fcpro
  • No Of Funds: 10

Top 10 Equity Mutual Funds

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Franklin Asian Equity Fund Growth ₹45.7236
↓ -0.15
₹9545.420.441.822.78.323.7
DSP US Flexible Equity Fund Growth ₹92.8253
↑ 0.01
₹1,296-218.13526.218.133.8
Aditya Birla Sun Life Small Cap Fund Growth ₹102.453
↑ 0.86
₹5,86513.825.421.114.713.7-3.7
DSP Natural Resources and New Energy Fund Growth ₹108.482
↓ -0.60
₹2,441-1.21.119.918.515.417.5
SBI Small Cap Fund Growth ₹187.139
↑ 0.19
₹39,95512.420.38.61114-4.9
Invesco India Growth Opportunities Fund Growth ₹110.41
₹11,74610.716.18.421.416.24.7
Tata India Tax Savings Fund Growth ₹47.1822
↓ -0.13
₹4,6647.46.78.311.611.54.9
Aditya Birla Sun Life Banking And Financial Services Fund Growth ₹62.72
↓ -0.44
₹3,6487.32.569.59.817.5
Kotak Equity Opportunities Fund Growth ₹349.742
↓ -1.16
₹32,0505.61.43.612.212.45.6
Tata Equity PE Fund Growth ₹352.044
↓ -0.75
₹8,4926.32.63.411.912.83.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Sep 26

Research Highlights & Commentary of 10 Funds showcased

CommentaryFranklin Asian Equity FundDSP US Flexible Equity FundAditya Birla Sun Life Small Cap FundDSP Natural Resources and New Energy FundSBI Small Cap FundInvesco India Growth Opportunities FundTata India Tax Savings FundAditya Birla Sun Life Banking And Financial Services FundKotak Equity Opportunities FundTata Equity PE Fund
Point 1Bottom quartile AUM (₹954 Cr).Bottom quartile AUM (₹1,296 Cr).Upper mid AUM (₹5,865 Cr).Bottom quartile AUM (₹2,441 Cr).Highest AUM (₹39,955 Cr).Upper mid AUM (₹11,746 Cr).Lower mid AUM (₹4,664 Cr).Lower mid AUM (₹3,648 Cr).Top quartile AUM (₹32,050 Cr).Upper mid AUM (₹8,492 Cr).
Point 2Established history (18+ yrs).Established history (14+ yrs).Established history (19+ yrs).Established history (18+ yrs).Established history (17+ yrs).Established history (19+ yrs).Established history (11+ yrs).Established history (12+ yrs).Oldest track record among peers (22 yrs).Established history (22+ yrs).
Point 3Top rated.Rating: 5★ (top quartile).Rating: 5★ (upper mid).Rating: 5★ (upper mid).Rating: 5★ (upper mid).Rating: 5★ (lower mid).Rating: 5★ (lower mid).Rating: 5★ (bottom quartile).Rating: 5★ (bottom quartile).Rating: 5★ (bottom quartile).
Point 4Risk profile: High.Risk profile: High.Risk profile: Moderately High.Risk profile: High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 8.28% (bottom quartile).5Y return: 18.09% (top quartile).5Y return: 13.71% (upper mid).5Y return: 15.38% (upper mid).5Y return: 13.99% (upper mid).5Y return: 16.21% (top quartile).5Y return: 11.48% (bottom quartile).5Y return: 9.81% (bottom quartile).5Y return: 12.37% (lower mid).5Y return: 12.77% (lower mid).
Point 63Y return: 22.69% (top quartile).3Y return: 26.19% (top quartile).3Y return: 14.66% (upper mid).3Y return: 18.54% (upper mid).3Y return: 11.03% (bottom quartile).3Y return: 21.37% (upper mid).3Y return: 11.60% (bottom quartile).3Y return: 9.55% (bottom quartile).3Y return: 12.17% (lower mid).3Y return: 11.85% (lower mid).
Point 71Y return: 41.79% (top quartile).1Y return: 35.02% (top quartile).1Y return: 21.14% (upper mid).1Y return: 19.85% (upper mid).1Y return: 8.59% (upper mid).1Y return: 8.45% (lower mid).1Y return: 8.35% (lower mid).1Y return: 6.04% (bottom quartile).1Y return: 3.57% (bottom quartile).1Y return: 3.38% (bottom quartile).
Point 8Alpha: 0.00 (upper mid).Alpha: -7.66 (bottom quartile).Alpha: 0.00 (upper mid).Alpha: 0.00 (lower mid).Alpha: -1.22 (bottom quartile).Alpha: 3.86 (top quartile).Alpha: 3.16 (upper mid).Alpha: 4.29 (top quartile).Alpha: -0.80 (lower mid).Alpha: -1.97 (bottom quartile).
Point 9Sharpe: 1.27 (top quartile).Sharpe: 1.40 (top quartile).Sharpe: 0.40 (upper mid).Sharpe: 0.93 (upper mid).Sharpe: -0.04 (bottom quartile).Sharpe: 0.23 (upper mid).Sharpe: 0.13 (lower mid).Sharpe: 0.08 (lower mid).Sharpe: 0.02 (bottom quartile).Sharpe: -0.17 (bottom quartile).
Point 10Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (lower mid).Information ratio: -0.63 (bottom quartile).Information ratio: 1.19 (top quartile).Information ratio: 0.02 (upper mid).Information ratio: -0.02 (bottom quartile).Information ratio: -0.12 (bottom quartile).Information ratio: 0.12 (top quartile).

Franklin Asian Equity Fund

  • Bottom quartile AUM (₹954 Cr).
  • Established history (18+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 8.28% (bottom quartile).
  • 3Y return: 22.69% (top quartile).
  • 1Y return: 41.79% (top quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 1.27 (top quartile).
  • Information ratio: 0.00 (upper mid).

DSP US Flexible Equity Fund

  • Bottom quartile AUM (₹1,296 Cr).
  • Established history (14+ yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: High.
  • 5Y return: 18.09% (top quartile).
  • 3Y return: 26.19% (top quartile).
  • 1Y return: 35.02% (top quartile).
  • Alpha: -7.66 (bottom quartile).
  • Sharpe: 1.40 (top quartile).
  • Information ratio: 0.00 (upper mid).

Aditya Birla Sun Life Small Cap Fund

  • Upper mid AUM (₹5,865 Cr).
  • Established history (19+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 13.71% (upper mid).
  • 3Y return: 14.66% (upper mid).
  • 1Y return: 21.14% (upper mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 0.40 (upper mid).
  • Information ratio: 0.00 (lower mid).

DSP Natural Resources and New Energy Fund

  • Bottom quartile AUM (₹2,441 Cr).
  • Established history (18+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: High.
  • 5Y return: 15.38% (upper mid).
  • 3Y return: 18.54% (upper mid).
  • 1Y return: 19.85% (upper mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 0.93 (upper mid).
  • Information ratio: 0.00 (lower mid).

SBI Small Cap Fund

  • Highest AUM (₹39,955 Cr).
  • Established history (17+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 13.99% (upper mid).
  • 3Y return: 11.03% (bottom quartile).
  • 1Y return: 8.59% (upper mid).
  • Alpha: -1.22 (bottom quartile).
  • Sharpe: -0.04 (bottom quartile).
  • Information ratio: -0.63 (bottom quartile).

Invesco India Growth Opportunities Fund

  • Upper mid AUM (₹11,746 Cr).
  • Established history (19+ yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 16.21% (top quartile).
  • 3Y return: 21.37% (upper mid).
  • 1Y return: 8.45% (lower mid).
  • Alpha: 3.86 (top quartile).
  • Sharpe: 0.23 (upper mid).
  • Information ratio: 1.19 (top quartile).

Tata India Tax Savings Fund

  • Lower mid AUM (₹4,664 Cr).
  • Established history (11+ yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 11.48% (bottom quartile).
  • 3Y return: 11.60% (bottom quartile).
  • 1Y return: 8.35% (lower mid).
  • Alpha: 3.16 (upper mid).
  • Sharpe: 0.13 (lower mid).
  • Information ratio: 0.02 (upper mid).

Aditya Birla Sun Life Banking And Financial Services Fund

  • Lower mid AUM (₹3,648 Cr).
  • Established history (12+ yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 9.81% (bottom quartile).
  • 3Y return: 9.55% (bottom quartile).
  • 1Y return: 6.04% (bottom quartile).
  • Alpha: 4.29 (top quartile).
  • Sharpe: 0.08 (lower mid).
  • Information ratio: -0.02 (bottom quartile).

Kotak Equity Opportunities Fund

  • Top quartile AUM (₹32,050 Cr).
  • Oldest track record among peers (22 yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 12.37% (lower mid).
  • 3Y return: 12.17% (lower mid).
  • 1Y return: 3.57% (bottom quartile).
  • Alpha: -0.80 (lower mid).
  • Sharpe: 0.02 (bottom quartile).
  • Information ratio: -0.12 (bottom quartile).

Tata Equity PE Fund

  • Upper mid AUM (₹8,492 Cr).
  • Established history (22+ yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 12.77% (lower mid).
  • 3Y return: 11.85% (lower mid).
  • 1Y return: 3.38% (bottom quartile).
  • Alpha: -1.97 (bottom quartile).
  • Sharpe: -0.17 (bottom quartile).
  • Information ratio: 0.12 (top quartile).

About the Fincash Research Team

At Fincash, our mission is to help investors make informed, confident decisions. With over 10 years in Mutual Fund distribution, our team blends deep industry expertise with a commitment to transparency, accuracy, and investor education.

Who We Are

AMFI Registration No.
112358
MCA CIN
U74999MH2016PTC282153
Location
Thane, Maharashtra, India
Experience
10+ years in Mutual Fund distribution

Our Expertise

  • Certified Mutual Fund Distributors with hands-on advisory experience.
  • Market analysts tracking performance, macro trends, and sectors.
  • Data specialists processing NAVs, allocations, and risk metrics from Morning Star.

Our Research Process

  • Data sourcing: SEBI-registered fund houses & verified third-party provider Morning Star
  • Screening: Returns, manager track record, expenses, sector mix, risk-adjusted metrics.
  • Expert review: Senior team members review every article and list for accuracy.
  • Updates: Regular refreshes so performance data reflects current market conditions.

Why Trust Us

  • Regulated & compliant: AMFI-registered and MCA-incorporated.
  • Investor-first: No pay-to-promote lists; suitability and performance drive coverage.
  • Education-focused: We simplify complex concepts for everyday investors.

Disclaimer

Content is for educational and informational purposes only and is not investment advice. Please consider your risk profile and consult a financial advisor before investing.

Top Debt 10 Mutual Funds

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Aditya Birla Sun Life Money Manager Fund Growth ₹399.699
↑ 0.06
₹30,1602.23.66.67.37.46.95%6M 25D6M 29D
Aditya Birla Sun Life Savings Fund Growth ₹591.711
↑ 0.11
₹18,18923.56.67.37.47.45%5M 26D6M 18D
JM Liquid Fund Growth ₹76.5514
↑ 0.01
₹2,8491.73.46.36.86.46.27%2M 3D2M 7D
UTI Banking & PSU Debt Fund Growth ₹23.5491
↑ 0.00
₹1,48323.36.17.27.86.9%8M 5D8M 16D
ICICI Prudential Long Term Plan Growth ₹39.1855
↑ 0.01
₹13,2602.12.85.27.17.27.83%6Y 5M 5D14Y 6M
HDFC Banking and PSU Debt Fund Growth ₹24.4178
↑ 0.00
₹5,2091.82.65.26.87.57.18%2Y 11M 26D4Y 18D
Aditya Birla Sun Life Corporate Bond Fund Growth ₹119.658
↑ 0.02
₹23,6231.92.55.177.47.34%4Y 1M 6D6Y 7M 28D
HDFC Corporate Bond Fund Growth ₹34.4436
↑ 0.00
₹30,6641.92.54.96.97.37.31%4Y 2M 16D7Y 1M 6D
Aditya Birla Sun Life Medium Term Plan Growth ₹43.8483
↑ 0.01
₹3,2802.23.58.79.910.98.05%3Y 1M 20D4Y 7M 24D
SBI Credit Risk Fund Growth ₹49.8809
↓ 0.00
₹2,18134.88.187.98.38%2Y 3M 18D3Y 18D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Sep 26

Research Highlights & Commentary of 10 Funds showcased

CommentaryAditya Birla Sun Life Money Manager FundAditya Birla Sun Life Savings FundJM Liquid FundUTI Banking & PSU Debt FundICICI Prudential Long Term PlanHDFC Banking and PSU Debt FundAditya Birla Sun Life Corporate Bond FundHDFC Corporate Bond FundAditya Birla Sun Life Medium Term PlanSBI Credit Risk Fund
Point 1Top quartile AUM (₹30,160 Cr).Upper mid AUM (₹18,189 Cr).Bottom quartile AUM (₹2,849 Cr).Bottom quartile AUM (₹1,483 Cr).Upper mid AUM (₹13,260 Cr).Lower mid AUM (₹5,209 Cr).Upper mid AUM (₹23,623 Cr).Highest AUM (₹30,664 Cr).Lower mid AUM (₹3,280 Cr).Bottom quartile AUM (₹2,181 Cr).
Point 2Established history (20+ yrs).Established history (23+ yrs).Established history (28+ yrs).Established history (12+ yrs).Established history (16+ yrs).Established history (12+ yrs).Oldest track record among peers (29 yrs).Established history (16+ yrs).Established history (17+ yrs).Established history (22+ yrs).
Point 3Top rated.Rating: 5★ (top quartile).Rating: 5★ (upper mid).Rating: 5★ (upper mid).Rating: 5★ (upper mid).Rating: 5★ (lower mid).Rating: 5★ (lower mid).Rating: 5★ (bottom quartile).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Low.Risk profile: Moderately Low.Risk profile: Low.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderate.
Point 51Y return: 6.59% (upper mid).1Y return: 6.57% (upper mid).1Y return: 6.31% (upper mid).1Y return: 6.08% (lower mid).1Y return: 5.25% (lower mid).1Y return: 5.18% (bottom quartile).1Y return: 5.07% (bottom quartile).1Y return: 4.89% (bottom quartile).1Y return: 8.72% (top quartile).1Y return: 8.06% (top quartile).
Point 61M return: 0.71% (top quartile).1M return: 0.66% (upper mid).1M return: 0.55% (upper mid).1M return: 0.63% (upper mid).1M return: -0.15% (bottom quartile).1M return: -0.03% (lower mid).1M return: -0.10% (bottom quartile).1M return: -0.15% (bottom quartile).1M return: 0.15% (lower mid).1M return: 0.66% (top quartile).
Point 7Sharpe: 0.63 (upper mid).Sharpe: 0.81 (upper mid).Sharpe: 2.06 (top quartile).Sharpe: -0.04 (lower mid).Sharpe: -0.22 (lower mid).Sharpe: -0.26 (bottom quartile).Sharpe: -0.27 (bottom quartile).Sharpe: -0.29 (bottom quartile).Sharpe: 1.10 (top quartile).Sharpe: 0.93 (upper mid).
Point 8Information ratio: 0.00 (top quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.08 (top quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).Information ratio: 0.00 (bottom quartile).Information ratio: 0.00 (bottom quartile).
Point 9Yield to maturity (debt): 6.95% (bottom quartile).Yield to maturity (debt): 7.45% (upper mid).Yield to maturity (debt): 6.27% (bottom quartile).Yield to maturity (debt): 6.90% (bottom quartile).Yield to maturity (debt): 7.83% (upper mid).Yield to maturity (debt): 7.18% (lower mid).Yield to maturity (debt): 7.34% (upper mid).Yield to maturity (debt): 7.31% (lower mid).Yield to maturity (debt): 8.05% (top quartile).Yield to maturity (debt): 8.38% (top quartile).
Point 10Modified duration: 0.57 yrs (upper mid).Modified duration: 0.49 yrs (top quartile).Modified duration: 0.18 yrs (top quartile).Modified duration: 0.68 yrs (upper mid).Modified duration: 6.43 yrs (bottom quartile).Modified duration: 2.99 yrs (lower mid).Modified duration: 4.10 yrs (bottom quartile).Modified duration: 4.21 yrs (bottom quartile).Modified duration: 3.14 yrs (lower mid).Modified duration: 2.30 yrs (upper mid).

Aditya Birla Sun Life Money Manager Fund

  • Top quartile AUM (₹30,160 Cr).
  • Established history (20+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 6.59% (upper mid).
  • 1M return: 0.71% (top quartile).
  • Sharpe: 0.63 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.95% (bottom quartile).
  • Modified duration: 0.57 yrs (upper mid).

Aditya Birla Sun Life Savings Fund

  • Upper mid AUM (₹18,189 Cr).
  • Established history (23+ yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 6.57% (upper mid).
  • 1M return: 0.66% (upper mid).
  • Sharpe: 0.81 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.45% (upper mid).
  • Modified duration: 0.49 yrs (top quartile).

JM Liquid Fund

  • Bottom quartile AUM (₹2,849 Cr).
  • Established history (28+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.31% (upper mid).
  • 1M return: 0.55% (upper mid).
  • Sharpe: 2.06 (top quartile).
  • Information ratio: 0.08 (top quartile).
  • Yield to maturity (debt): 6.27% (bottom quartile).
  • Modified duration: 0.18 yrs (top quartile).

UTI Banking & PSU Debt Fund

  • Bottom quartile AUM (₹1,483 Cr).
  • Established history (12+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 6.08% (lower mid).
  • 1M return: 0.63% (upper mid).
  • Sharpe: -0.04 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.90% (bottom quartile).
  • Modified duration: 0.68 yrs (upper mid).

ICICI Prudential Long Term Plan

  • Upper mid AUM (₹13,260 Cr).
  • Established history (16+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 5.25% (lower mid).
  • 1M return: -0.15% (bottom quartile).
  • Sharpe: -0.22 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.83% (upper mid).
  • Modified duration: 6.43 yrs (bottom quartile).

HDFC Banking and PSU Debt Fund

  • Lower mid AUM (₹5,209 Cr).
  • Established history (12+ yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 5.18% (bottom quartile).
  • 1M return: -0.03% (lower mid).
  • Sharpe: -0.26 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.18% (lower mid).
  • Modified duration: 2.99 yrs (lower mid).

Aditya Birla Sun Life Corporate Bond Fund

  • Upper mid AUM (₹23,623 Cr).
  • Oldest track record among peers (29 yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 5.07% (bottom quartile).
  • 1M return: -0.10% (bottom quartile).
  • Sharpe: -0.27 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.34% (upper mid).
  • Modified duration: 4.10 yrs (bottom quartile).

HDFC Corporate Bond Fund

  • Highest AUM (₹30,664 Cr).
  • Established history (16+ yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 4.89% (bottom quartile).
  • 1M return: -0.15% (bottom quartile).
  • Sharpe: -0.29 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.31% (lower mid).
  • Modified duration: 4.21 yrs (bottom quartile).

Aditya Birla Sun Life Medium Term Plan

  • Lower mid AUM (₹3,280 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 8.72% (top quartile).
  • 1M return: 0.15% (lower mid).
  • Sharpe: 1.10 (top quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 8.05% (top quartile).
  • Modified duration: 3.14 yrs (lower mid).

SBI Credit Risk Fund

  • Bottom quartile AUM (₹2,181 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 8.06% (top quartile).
  • 1M return: 0.66% (top quartile).
  • Sharpe: 0.93 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 8.38% (top quartile).
  • Modified duration: 2.30 yrs (upper mid).

1. DSP World Gold Fund

"The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized."

Research Highlights for DSP World Gold Fund

  • Lower mid AUM (₹1,441 Cr).
  • Oldest track record among peers (19 yrs).
  • Rating: 3★ (top quartile).
  • Risk profile: High.
  • 5Y return: 29.62% (top quartile).
  • 3Y return: 57.32% (top quartile).
  • 1Y return: 67.57% (top quartile).
  • Alpha: 2.59 (top quartile).
  • Sharpe: 1.14 (bottom quartile).
  • Information ratio: -0.56 (bottom quartile).
  • Higher exposure to Basic Materials vs peer median.
  • Higher exposure to Cash Equivalent (bond sector) vs peer median.
  • Equity-heavy allocation (~92%).
  • Largest holding BGF World Gold I2 (~66.2%).
  • Top-3 holdings concentration ~98.4%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund
Growth
Launch Date 14 Sep 07
NAV (04 Sep 26) ₹63.6408 ↓ -0.62   (-0.96 %)
Net Assets (Cr) ₹1,441 on 31 Jul 26
Category Equity - Global
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk High
Expense Ratio 1.41
Sharpe Ratio 1.14
Information Ratio -0.56
Alpha Ratio 2.59
Min Investment 1,000
Min SIP Investment 500
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Aug 21₹10,000
31 Aug 22₹7,679
31 Aug 23₹9,692
31 Aug 24₹12,678
31 Aug 25₹21,230
31 Aug 26₹37,198

DSP World Gold Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹627,226.
Net Profit of ₹327,226
Invest Now

Returns for DSP World Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Sep 26

DurationReturns
1 Month 23.7%
3 Month 11.2%
6 Month -4%
1 Year 67.6%
3 Year 57.3%
5 Year 29.6%
10 Year
15 Year
Since launch 10.2%
Historical performance (Yearly) on absolute basis
YearReturns
2024 167.1%
2023 15.9%
2022 7%
2021 -7.7%
2020 -9%
2019 31.4%
2018 35.1%
2017 -10.7%
2016 -4%
2015 52.7%
Fund Manager information for DSP World Gold Fund
NameSinceTenure
Kaivalya Nadkarni1 May 251.25 Yr.

Data below for DSP World Gold Fund as on 31 Jul 26

Equity Sector Allocation
SectorValue
Basic Materials91.57%
Asset Allocation
Asset ClassValue
Cash6.38%
Equity91.78%
Debt0.01%
Other1.84%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
BGF World Gold I2
Investment Fund | -
66%₹954 Cr983,452
VanEck Gold Miners ETF
- | GDX
28%₹405 Cr573,719
Treps / Reverse Repo Investments
CBLO/Reverse Repo | -
4%₹58 Cr
Net Receivables/Payables
Net Current Assets | -
2%₹23 Cr

2. Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

The primary investment objective of the Scheme is to seek to provide long term capital growth by investing predominantly in the JPMorgan Funds - Emerging Markets Opportunities Fund, an equity fund which invests primarily in an aggressively managed portfolio of emerging market companies

Research Highlights for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

  • Bottom quartile AUM (₹261 Cr).
  • Established history (12+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: High.
  • 5Y return: 10.62% (bottom quartile).
  • 3Y return: 28.23% (bottom quartile).
  • 1Y return: 55.49% (top quartile).
  • Alpha: 4.39 (top quartile).
  • Sharpe: 1.76 (top quartile).
  • Information ratio: -0.42 (bottom quartile).
  • Higher exposure to Technology vs peer median.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~94%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding JPM Emerging Mkts Opps I acc USD (~95.8%).
  • Top-3 holdings concentration ~100.5%.

Below is the key information for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Edelweiss Emerging Markets Opportunities Equity Off-shore Fund
Growth
Launch Date 7 Jul 14
NAV (07 Sep 26) ₹28.673 ↑ 0.39   (1.38 %)
Net Assets (Cr) ₹261 on 31 Jul 26
Category Equity - Global
AMC Edelweiss Asset Management Limited
Rating
Risk High
Expense Ratio 1.44
Sharpe Ratio 1.76
Information Ratio -0.42
Alpha Ratio 4.39
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Aug 21₹10,000
31 Aug 22₹7,804
31 Aug 23₹7,986
31 Aug 24₹8,986
31 Aug 25₹10,616
31 Aug 26₹16,665

Edelweiss Emerging Markets Opportunities Equity Off-shore Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹395,578.
Net Profit of ₹95,578
Invest Now

Returns for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Sep 26

DurationReturns
1 Month 4.3%
3 Month 2.2%
6 Month 23%
1 Year 55.5%
3 Year 28.2%
5 Year 10.6%
10 Year
15 Year
Since launch 9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 41.1%
2023 5.9%
2022 5.5%
2021 -16.8%
2020 -5.9%
2019 21.7%
2018 25.1%
2017 -7.2%
2016 30%
2015 9.8%
Fund Manager information for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund
NameSinceTenure
Bhavesh Jain9 Apr 188.32 Yr.
Bharat Lahoti1 Oct 214.84 Yr.

Data below for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund as on 31 Jul 26

Equity Sector Allocation
SectorValue
Technology42.21%
Financial Services20.2%
Consumer Cyclical8.02%
Communication Services7.14%
Industrials5.46%
Energy3.24%
Basic Materials2.19%
Consumer Defensive1.64%
Utility1.5%
Health Care0.51%
Asset Allocation
Asset ClassValue
Cash5.39%
Equity94.05%
Debt0.01%
Other0.29%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
JPM Emerging Mkts Opps I acc USD
Investment Fund | -
96%₹250 Cr112,056
↑ 5,164
Clearing Corporation Of India Ltd.
CBLO/Reverse Repo | -
4%₹12 Cr
Net Receivables/(Payables)
CBLO | -
0%-₹1 Cr
Accrued Interest
CBLO | -
0%₹0 Cr

3. Kotak Global Emerging Market Fund

The investment objective of the scheme is to provide long-term capital appreciation by investing in an overseas mutual fund scheme that invests in a diversified portfolio of securities as prescribed by SEBI from time to time in global emerging markets.

Research Highlights for Kotak Global Emerging Market Fund

  • Upper mid AUM (₹1,663 Cr).
  • Established history (18+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: High.
  • 5Y return: 11.54% (bottom quartile).
  • 3Y return: 25.20% (bottom quartile).
  • 1Y return: 45.72% (upper mid).
  • Alpha: -4.91 (bottom quartile).
  • Sharpe: 1.39 (top quartile).
  • Information ratio: -0.62 (bottom quartile).
  • Top sector: Technology.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~96%).
  • Largest holding CI Emerging Markets Class A (~98.4%).
  • Top-3 holdings concentration ~101.8%.

Below is the key information for Kotak Global Emerging Market Fund

Kotak Global Emerging Market Fund
Growth
Launch Date 26 Sep 07
NAV (04 Sep 26) ₹39.685 ↑ 0.44   (1.12 %)
Net Assets (Cr) ₹1,663 on 31 Jul 26
Category Equity - Global
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk High
Expense Ratio 1.64
Sharpe Ratio 1.39
Information Ratio -0.62
Alpha Ratio -4.91
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Aug 21₹10,000
31 Aug 22₹8,424
31 Aug 23₹8,826
31 Aug 24₹9,981
31 Aug 25₹11,941
31 Aug 26₹17,531

Kotak Global Emerging Market Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518
Invest Now

Returns for Kotak Global Emerging Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Sep 26

DurationReturns
1 Month 3.7%
3 Month -5%
6 Month 20.2%
1 Year 45.7%
3 Year 25.2%
5 Year 11.5%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 39.1%
2023 5.9%
2022 10.8%
2021 -15%
2020 -0.5%
2019 29.1%
2018 21.4%
2017 -14.4%
2016 30.4%
2015 -1.2%
Fund Manager information for Kotak Global Emerging Market Fund
NameSinceTenure
Arjun Khanna9 May 197.24 Yr.

Data below for Kotak Global Emerging Market Fund as on 31 Jul 26

Equity Sector Allocation
SectorValue
Technology36.55%
Financial Services24.43%
Consumer Cyclical8.32%
Industrials7.31%
Communication Services6.71%
Basic Materials5.98%
Energy5.74%
Health Care0.99%
Consumer Defensive0.09%
Utility0.04%
Real Estate0.01%
Asset Allocation
Asset ClassValue
Cash3.82%
Equity96.18%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
CI Emerging Markets Class A
Investment Fund | -
98%₹1,636 Cr4,597,762
↑ 10,928
Triparty Repo
CBLO/Reverse Repo | -
3%₹42 Cr
Net Current Assets/(Liabilities)
Net Current Assets | -
1%-₹15 Cr

4. Franklin Asian Equity Fund

An open-end diversified equity fund that seeks to provide medium to long term appreciation through investments primarily in Asian Companies / sectors (excluding Japan) with long term potential across market capitalisation.

Research Highlights for Franklin Asian Equity Fund

  • Lower mid AUM (₹954 Cr).
  • Established history (18+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 8.28% (bottom quartile).
  • 3Y return: 22.69% (bottom quartile).
  • 1Y return: 41.79% (upper mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 1.27 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Top sector: Technology.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~94%).
  • Largest holding Taiwan Semiconductor Manufacturing Co Ltd (~10.0%).

Below is the key information for Franklin Asian Equity Fund

Franklin Asian Equity Fund
Growth
Launch Date 16 Jan 08
NAV (08 Sep 26) ₹45.7236 ↓ -0.15   (-0.34 %)
Net Assets (Cr) ₹954 on 31 Jul 26
Category Equity - Global
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk High
Expense Ratio 2.54
Sharpe Ratio 1.27
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-3 Years (1%),3 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Aug 21₹10,000
31 Aug 22₹8,227
31 Aug 23₹8,219
31 Aug 24₹9,438
31 Aug 25₹10,545
31 Aug 26₹15,148

Franklin Asian Equity Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹376,357.
Net Profit of ₹76,357
Invest Now

Returns for Franklin Asian Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Sep 26

DurationReturns
1 Month 3.4%
3 Month 5.4%
6 Month 20.4%
1 Year 41.8%
3 Year 22.7%
5 Year 8.3%
10 Year
15 Year
Since launch 8.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 23.7%
2023 14.4%
2022 0.7%
2021 -14.5%
2020 -5.9%
2019 25.8%
2018 28.2%
2017 -13.6%
2016 35.5%
2015 7.2%
Fund Manager information for Franklin Asian Equity Fund
NameSinceTenure
Sandeep Manam18 Oct 214.79 Yr.
Shyam Sriram26 Sep 241.85 Yr.

Data below for Franklin Asian Equity Fund as on 31 Jul 26

Equity Sector Allocation
SectorValue
Technology32.47%
Consumer Cyclical12.7%
Financial Services12.28%
Industrials10.32%
Health Care7.66%
Communication Services5.12%
Real Estate4.79%
Basic Materials2.82%
Utility2.59%
Consumer Defensive1.87%
Energy1.59%
Asset Allocation
Asset ClassValue
Cash5.8%
Equity94.2%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Taiwan Semiconductor Manufacturing Co Ltd (Technology)
Equity, Since 31 Mar 09 | 2330
10%₹95 Cr133,000
↑ 3,000
Samsung Electronics Co Ltd (Technology)
Equity, Since 31 Mar 08 | 005930
7%₹71 Cr41,012
↑ 4,902
SK hynix Inc (Technology)
Equity, Since 30 Jun 20 | 000660
5%₹51 Cr4,450
↑ 611
Tencent Holdings Ltd (Communication Services)
Equity, Since 31 Jul 14 | 00700
3%₹33 Cr57,000
↑ 14,300
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 25 | ICICIBANK
3%₹33 Cr226,594
Torrent Pharmaceuticals Ltd (Healthcare)
Equity, Since 31 Mar 24 | TORNTPHARM
2%₹23 Cr45,546
Divi's Laboratories Ltd (Healthcare)
Equity, Since 31 Mar 26 | DIVISLAB
2%₹23 Cr28,750
Oberoi Realty Ltd (Real Estate)
Equity, Since 31 May 17 | OBEROIRLTY
2%₹21 Cr114,827
MediaTek Inc (Technology)
Equity, Since 31 Aug 20 | 2454
2%₹20 Cr19,000
Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Jul 21 | ETERNAL
2%₹18 Cr590,802
↓ -48,361

5. ICICI Prudential Regular Gold Savings Fund

ICICI Prudential Regular Gold Savings Fund (the Scheme) is a fund of funds scheme with the primary objective to generate returns by investing in units of ICICI Prudential Gold Exchange Traded Fund (IPru Gold ETF). However, there can be no assurance that the investment objectives of the Scheme will be realized.

Research Highlights for ICICI Prudential Regular Gold Savings Fund

  • Top quartile AUM (₹6,398 Cr).
  • Established history (14+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 24.91% (top quartile).
  • 3Y return: 35.51% (top quartile).
  • 1Y return: 41.40% (upper mid).
  • 1M return: 1.89% (bottom quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 1.16 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Top bond sector: Cash Equivalent.
  • Largest holding ICICI Pru Gold ETF (~99.9%).
  • Top-3 holdings concentration ~100.3%.

Below is the key information for ICICI Prudential Regular Gold Savings Fund

ICICI Prudential Regular Gold Savings Fund
Growth
Launch Date 11 Oct 11
NAV (08 Sep 26) ₹46.8277 ↑ 0.13   (0.28 %)
Net Assets (Cr) ₹6,398 on 31 Jul 26
Category Gold - Gold
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 0.38
Sharpe Ratio 1.16
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-15 Months (2%),15 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Aug 21₹10,000
31 Aug 22₹10,737
31 Aug 23₹12,284
31 Aug 24₹14,764
31 Aug 25₹20,704
31 Aug 26₹30,750

ICICI Prudential Regular Gold Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833
Invest Now

Returns for ICICI Prudential Regular Gold Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Sep 26

DurationReturns
1 Month 1.9%
3 Month 1.4%
6 Month -3.8%
1 Year 41.4%
3 Year 35.5%
5 Year 24.9%
10 Year
15 Year
Since launch 10.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 72%
2023 19.5%
2022 13.5%
2021 12.7%
2020 -5.4%
2019 26.6%
2018 22.7%
2017 7.4%
2016 0.8%
2015 8.9%
Fund Manager information for ICICI Prudential Regular Gold Savings Fund
NameSinceTenure
Manish Banthia27 Sep 1213.85 Yr.
Nishit Patel29 Dec 205.59 Yr.
Ashwini Bharucha1 Nov 250.75 Yr.
Venus Ahuja1 Nov 250.75 Yr.

Data below for ICICI Prudential Regular Gold Savings Fund as on 31 Jul 26

Asset Allocation
Asset ClassValue
Cash2.02%
Other97.98%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Pru Gold ETF
- | -
100%₹6,392 Cr526,862,660
↑ 5,383,968
Treps
CBLO/Reverse Repo | -
0%₹15 Cr
Net Current Assets
Net Current Assets | -
0%-₹10 Cr

6. IDBI Gold Fund

The investment objective of the Scheme will be to generate returns that correspond closely to the returns generated by IDBI Gold Exchange Traded Fund (IDBI GOLD ETF).

Research Highlights for IDBI Gold Fund

  • Bottom quartile AUM (₹775 Cr).
  • Established history (14+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 24.85% (upper mid).
  • 3Y return: 35.38% (upper mid).
  • 1Y return: 40.41% (lower mid).
  • 1M return: 2.12% (lower mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 1.17 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Top bond sector: Cash Equivalent.
  • Largest holding LIC MF Gold ETF (~100.0%).
  • Top-3 holdings concentration ~100.6%.

Below is the key information for IDBI Gold Fund

IDBI Gold Fund
Growth
Launch Date 14 Aug 12
NAV (08 Sep 26) ₹39.2158 ↑ 0.03   (0.07 %)
Net Assets (Cr) ₹775 on 31 Jul 26
Category Gold - Gold
AMC IDBI Asset Management Limited
Rating Not Rated
Risk Moderately High
Expense Ratio 0.64
Sharpe Ratio 1.17
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Aug 21₹10,000
31 Aug 22₹10,802
31 Aug 23₹12,318
31 Aug 24₹14,809
31 Aug 25₹20,729
31 Aug 26₹30,772

IDBI Gold Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833
Invest Now

Returns for IDBI Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Sep 26

DurationReturns
1 Month 2.1%
3 Month 1%
6 Month -4.5%
1 Year 40.4%
3 Year 35.4%
5 Year 24.8%
10 Year
15 Year
Since launch 10.2%
Historical performance (Yearly) on absolute basis
YearReturns
2024 79%
2023 18.7%
2022 14.8%
2021 12%
2020 -4%
2019 24.2%
2018 21.6%
2017 5.8%
2016 1.4%
2015 8.3%
Fund Manager information for IDBI Gold Fund
NameSinceTenure
Sumit Bhatnagar1 Jun 242.17 Yr.
Sasikant Aravamuthan1 Jul 260.08 Yr.

Data below for IDBI Gold Fund as on 31 Jul 26

Asset Allocation
Asset ClassValue
Cash1.95%
Other98.05%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
LIC MF Gold ETF
- | -
100%₹775 Cr60,829,200
↑ 945,000
Treps
CBLO/Reverse Repo | -
0%₹2 Cr
Net Receivables / (Payables)
Net Current Assets | -
0%-₹2 Cr

7. Nippon India Gold Savings Fund

The investment objective of the Scheme is to seek to provide returns that closely correspond to returns provided by Reliance ETF Gold BeES.

Research Highlights for Nippon India Gold Savings Fund

  • Highest AUM (₹6,959 Cr).
  • Established history (15+ yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 24.76% (lower mid).
  • 3Y return: 35.35% (upper mid).
  • 1Y return: 39.34% (lower mid).
  • 1M return: 1.96% (bottom quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 1.13 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Top bond sector: Cash Equivalent.
  • Largest holding Nippon India ETF Gold BeES (~100.0%).
  • Top-3 holdings concentration ~100.3%.

Below is the key information for Nippon India Gold Savings Fund

Nippon India Gold Savings Fund
Growth
Launch Date 7 Mar 11
NAV (08 Sep 26) ₹57.8623 ↑ 0.12   (0.21 %)
Net Assets (Cr) ₹6,959 on 31 Jul 26
Category Gold - Gold
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderately High
Expense Ratio 0.35
Sharpe Ratio 1.13
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-1 Years (2%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Aug 21₹10,000
31 Aug 22₹10,706
31 Aug 23₹12,237
31 Aug 24₹14,692
31 Aug 25₹20,596
31 Aug 26₹30,613

Nippon India Gold Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833
Invest Now

Returns for Nippon India Gold Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Sep 26

DurationReturns
1 Month 2%
3 Month 1.3%
6 Month -3.9%
1 Year 39.3%
3 Year 35.3%
5 Year 24.8%
10 Year
15 Year
Since launch 12%
Historical performance (Yearly) on absolute basis
YearReturns
2024 71.2%
2023 19%
2022 14.3%
2021 12.3%
2020 -5.5%
2019 26.6%
2018 22.5%
2017 6%
2016 1.7%
2015 11.6%
Fund Manager information for Nippon India Gold Savings Fund
NameSinceTenure
Himanshu Mange23 Dec 232.61 Yr.

Data below for Nippon India Gold Savings Fund as on 31 Jul 26

Asset Allocation
Asset ClassValue
Cash1.66%
Other98.34%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Nippon India ETF Gold BeES
- | -
100%₹6,959 Cr594,220,572
↑ 3,245,000
Net Current Assets
Net Current Assets | -
0%-₹11 Cr
Triparty Repo
CBLO/Reverse Repo | -
0%₹11 Cr
Cash Margin - Ccil
CBLO/Reverse Repo | -
0%₹0 Cr

8. Invesco India Gold Fund

To provide returns that closely corresponds to returns provided by Invesco India Gold Exchange Traded Fund.

Research Highlights for Invesco India Gold Fund

  • Bottom quartile AUM (₹463 Cr).
  • Established history (14+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 24.68% (lower mid).
  • 3Y return: 35.07% (lower mid).
  • 1Y return: 39.29% (bottom quartile).
  • 1M return: 2.47% (upper mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 1.21 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Top bond sector: Cash Equivalent.
  • Largest holding Invesco India Gold ETF (~98.1%).
  • Top-3 holdings concentration ~100.0%.

Below is the key information for Invesco India Gold Fund

Invesco India Gold Fund
Growth
Launch Date 5 Dec 11
NAV (08 Sep 26) ₹42.5552 ↑ 0.32   (0.77 %)
Net Assets (Cr) ₹463 on 31 Jul 26
Category Gold - Gold
AMC Invesco Asset Management (India) Private Ltd
Rating
Risk Moderately High
Expense Ratio 0.37
Sharpe Ratio 1.21
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-6 Months (2%),6-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Aug 21₹10,000
31 Aug 22₹10,679
31 Aug 23₹12,199
31 Aug 24₹14,719
31 Aug 25₹20,302
31 Aug 26₹30,196

Invesco India Gold Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833
Invest Now

Returns for Invesco India Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Sep 26

DurationReturns
1 Month 2.5%
3 Month 1.8%
6 Month -3.1%
1 Year 39.3%
3 Year 35.1%
5 Year 24.7%
10 Year
15 Year
Since launch 10.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024 69.6%
2023 18.8%
2022 14.5%
2021 12.8%
2020 -5.5%
2019 27.2%
2018 21.4%
2017 6.6%
2016 1.3%
2015 21.6%
Fund Manager information for Invesco India Gold Fund
NameSinceTenure
Abhisek Bahinipati1 Nov 250.83 Yr.

Data below for Invesco India Gold Fund as on 31 Jul 26

Asset Allocation
Asset ClassValue
Cash3.75%
Other96.25%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Invesco India Gold ETF
- | -
98%₹454 Cr36,832,080
↑ 250,000
Triparty Repo
CBLO/Reverse Repo | -
2%₹8 Cr
Net Receivables / (Payables)
CBLO | -
0%₹0 Cr

9. Aditya Birla Sun Life Gold Fund

An Open ended Fund of Funds Scheme with the investment objective to provide returns that tracks returns provided by Birla Sun Life Gold ETF (BSL Gold ETF).

Research Highlights for Aditya Birla Sun Life Gold Fund

  • Upper mid AUM (₹1,665 Cr).
  • Established history (14+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 24.88% (upper mid).
  • 3Y return: 35.50% (upper mid).
  • 1Y return: 39.29% (bottom quartile).
  • 1M return: 2.03% (lower mid).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 1.13 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Top bond sector: Cash Equivalent.
  • Largest holding Aditya BSL Gold ETF (~100.0%).
  • Top-3 holdings concentration ~100.3%.

Below is the key information for Aditya Birla Sun Life Gold Fund

Aditya Birla Sun Life Gold Fund
Growth
Launch Date 20 Mar 12
NAV (08 Sep 26) ₹44.0017 ↑ 0.05   (0.11 %)
Net Assets (Cr) ₹1,665 on 31 Jul 26
Category Gold - Gold
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately High
Expense Ratio 0.51
Sharpe Ratio 1.13
Information Ratio 0
Alpha Ratio 0
Min Investment 100
Min SIP Investment 100
Exit Load 0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Aug 21₹10,000
31 Aug 22₹10,619
31 Aug 23₹12,278
31 Aug 24₹14,660
31 Aug 25₹20,546
31 Aug 26₹30,645

Aditya Birla Sun Life Gold Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833
Invest Now

Returns for Aditya Birla Sun Life Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Sep 26

DurationReturns
1 Month 2%
3 Month 1.3%
6 Month -3.9%
1 Year 39.3%
3 Year 35.5%
5 Year 24.9%
10 Year
15 Year
Since launch 10.8%
Historical performance (Yearly) on absolute basis
YearReturns
2024 72%
2023 18.7%
2022 14.5%
2021 12.3%
2020 -5%
2019 26%
2018 21.3%
2017 6.8%
2016 1.6%
2015 11.5%
Fund Manager information for Aditya Birla Sun Life Gold Fund
NameSinceTenure
Mehul Dama7 Jul 260.07 Yr.
Priya Sridhar31 Dec 241.58 Yr.

Data below for Aditya Birla Sun Life Gold Fund as on 31 Jul 26

Asset Allocation
Asset ClassValue
Cash1.64%
Other98.36%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Aditya BSL Gold ETF
- | -
100%₹1,665 Cr133,588,381
↑ 5,000
Treps
CBLO/Reverse Repo | -
0%₹3 Cr
Net Receivable / Payable
CBLO | -
0%-₹2 Cr

10. Axis Gold Fund

To generate returns that closely correspond to returns generated by Axis Gold ETF.

Research Highlights for Axis Gold Fund

  • Upper mid AUM (₹2,887 Cr).
  • Established history (14+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 24.85% (upper mid).
  • 3Y return: 35.18% (lower mid).
  • 1Y return: 39.26% (bottom quartile).
  • 1M return: 1.63% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 1.28 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Top bond sector: Cash Equivalent.
  • Largest holding Axis Gold ETF (~100.0%).
  • Top-3 holdings concentration ~100.2%.

Below is the key information for Axis Gold Fund

Axis Gold Fund
Growth
Launch Date 20 Oct 11
NAV (08 Sep 26) ₹43.9858 ↑ 0.22   (0.50 %)
Net Assets (Cr) ₹2,887 on 31 Jul 26
Category Gold - Gold
AMC Axis Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 0.5
Sharpe Ratio 1.28
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Aug 21₹10,000
31 Aug 22₹10,714
31 Aug 23₹12,344
31 Aug 24₹14,775
31 Aug 25₹20,643
31 Aug 26₹30,532

Axis Gold Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833
Invest Now

Returns for Axis Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Sep 26

DurationReturns
1 Month 1.6%
3 Month 1.8%
6 Month -3.7%
1 Year 39.3%
3 Year 35.2%
5 Year 24.9%
10 Year
15 Year
Since launch 10.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 69.8%
2023 19.2%
2022 14.7%
2021 12.5%
2020 -4.7%
2019 26.9%
2018 23.1%
2017 8.3%
2016 0.7%
2015 10.7%
Fund Manager information for Axis Gold Fund
NameSinceTenure
Aditya Pagaria9 Nov 214.81 Yr.
Pratik Tibrewal1 Feb 251.58 Yr.

Data below for Axis Gold Fund as on 31 Jul 26

Asset Allocation
Asset ClassValue
Cash2.23%
Other97.77%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Axis Gold ETF
- | -
100%₹2,888 Cr244,790,771
↑ 2,473,713
Net Receivables / (Payables)
Net Current Assets | -
0%-₹4 Cr
Clearing Corporation Of India Ltd
CBLO/Reverse Repo | -
0%₹3 Cr

Mutual Fund Companies in India

Mutual fund companies in India are commonly referred to as Asset Management Companies (AMCs). They manage mutual fund schemes across categories such as equity, debt, hybrid and other asset classes. Investors can compare mutual fund schemes based on their individual objectives rather than selecting a fund house solely because of its size.

Some of the major AMCs operating in India include SBI Mutual Fund, HDFC Mutual Fund, ICICI Prudential Mutual Fund, Nippon India Mutual Fund, UTI Mutual Fund, Aditya Birla Sun Life Mutual Fund, Kotak Mutual Fund, Axis Mutual Fund and others.

How to Invest in Mutual Funds in India

Investors can invest in mutual funds through several routes, including directly through a mutual fund house or through an investment platform, distributor or financial intermediary.

Before investing, consider the following steps:

  • Define your financial goal — Determine what you are investing for and when you may need the money
  • Assess your risk tolerance — Understand how much market fluctuation you can comfortably handle
  • Choose the appropriate mutual fund category — Select a category based on your goal, time horizon and risk profile
  • Compare suitable schemes — Review performance, risk, costs, portfolio and investment strategy
  • Choose SIP or lump-sum investing — Select an investment method that fits your cash flow and financial plan
  • Review periodically — Monitor whether the investment continues to suit your financial goals

Choosing a Mutual Fund Based on Your Goal

The mutual fund category you choose should depend on your financial objective, investment horizon and risk tolerance. For example, an investor with a long-term wealth-creation goal and a higher tolerance for equity-market volatility may consider equity-oriented funds, while an investor seeking exposure to fixed-income securities may consider debt funds.

Hybrid funds combine different asset classes and may be considered by investors looking for a diversified approach across equity and debt. There is no single mutual fund category that is appropriate for every investor or every financial goal.

What Is Mutual Fund NAV?

Net Asset Value (NAV) represents the per-unit value of a mutual fund scheme. The NAV is calculated based on the value of the scheme's assets after accounting for applicable liabilities and expenses. Mutual fund NAVs are published regularly as required under applicable regulations.

Importantly, a lower NAV does not automatically mean that a mutual fund is cheaper or a better investment. Fund selection should be based on the scheme's portfolio, objective, performance, risk and other relevant factors.

Mutual Fund Calculator

A mutual fund calculator can help investors estimate how much they may need to invest to work towards a financial goal. For SIP calculations, you can enter the investment amount, expected rate of return and investment period to estimate the potential value of the investment.

These calculations are only illustrations. Actual mutual fund returns can vary because market-linked investments do not provide guaranteed returns.

Know Your Monthly SIP Amount

   
My Goal Amount:
Goal Tenure:
Years
Expected Annual Returns:
%
Total investment required is ₹56/month for 5 Years
  or   ₹2,381 one time (Lumpsum)
to achieve ₹5,000
Invest Now

Mutual Fund Ratings

Mutual fund ratings and rankings can be useful as a starting point when comparing schemes, but they should not be the only basis for an investment decision. Different rating methodologies may consider factors such as historical performance, risk, consistency and portfolio characteristics.

Before investing, investors should also examine the fund's category, investment objective, risk level, costs and portfolio.

Conclusion

Mutual funds provide investors with access to different asset classes and investment strategies through professionally managed schemes. However, choosing a mutual fund should not begin with simply searching for the fund with the highest return. Investors should first identify their financial goal, investment horizon and risk tolerance, then select an appropriate category and compare suitable schemes based on performance, risk, costs, portfolio and investment strategy.

A disciplined approach to Mutual Fund Investing can help investors make decisions that are aligned with their individual financial goals.

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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Arun Kapoor, posted on 2 Nov 22 1:07 AM

Thanks A Lot for more valuable information. Please provide such information on insurance life and health

Narendra kumar bansal, posted on 30 Aug 19 4:09 PM

Best mutual fund for 2 to 5 year investment in single schemes

Unknown, posted on 11 Jul 19 4:53 PM

Educative and very Useful information. Thank you.

Bholanath, posted on 30 Nov 18 4:21 PM

Great Read. Informative Page about all types of mutual funds.

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