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Multi Asset Allocation Mutual Funds

Find here some best Multi Asset Allocation fund to invest

  • Annual Returns 13.51%
  • Average Risk Medium
  • Total Funds 24

What is Multi Asset Allocation Mutual Fund?

A Multi Asset Allocation Fund is a type of hybrid fund that invests a minimum of 10% of its money in at least three different asset classes, such as equity, debt and another asset like gold or real estate. A multi allocation fund aims to balance risk by spreading investments across multiple areas, helping investors achieve better risk-adjusted returns. While Multi asset allocation offers lower risk compared to many hybrid funds, they may not perform as well in rising markets due to a smaller allocation to stocks.

  • The average multi asset allocation fund returns range between 10-15%, balancing stability and growth potential.
  • The multi asset allocation schemes have low volatility due to diversified investments in equity and fixed-income securities.
  • The best recommended time for minimum investment is 1-3 years.
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Top Performing Multi Asset Allocation Funds in India for High Returns

AMC List

  • Kotak
  • Aditya Birla Sun Life
  • ICICI
  • Tata
  • HDFC
  • SBI
  • UTI
  • Nippon
  • Sundaram
  • Canara
  • Invesco
  • Axis
  • Baroda BNP Paribas
  • DSP
  • EDELWEISS
  • Franklin
  • HSBC
  • JM Financial
  • LIC
  • Mirae Asset
  • Motilal Oswal
  • Mahindra
  • PGIM
  • WOC
  • Bandhan
  • 360 One
  • Bajaj Finserv
  • Quant
  • Parag Parikh
  • ITI
  • Bank of India
  • Groww
  • Helios

Minimum SIP Amt.

  • ₹100 - ₹500
  • ₹500 - ₹1000
  • ₹1000 - ₹5000

Fund Option

  • Growth
  • Dividend
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Snapshot

Returns

Risk

Information

NAV Details

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1D NAV Changed 1.06%
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1D NAV Changed 1.03%
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1D NAV Changed 0.7%
SIP 3Y P.a. -2.17%
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1D NAV Changed 0.62%
SIP 3Y P.a. 14.26%
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1D NAV Changed 0.32%
SIP 3Y P.a. 16.77%
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1D NAV Changed 0.24%
SIP 3Y P.a. 11.56%
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1D NAV Changed 0.22%
SIP 3Y P.a. 18.61%
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1D NAV Changed 0.22%
SIP 3Y P.a. 9.81%
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SIP 3Y P.a. 17.37%
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1 Month -2.36%
3 Months -2.55%
6 Months -3.88%
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1 Month -8.13%
3 Months -7.56%
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Min SIP ₹0
Min Lumpsum ₹5000
Expense Ratio 1.93%
Fund Manager Mithraem Bharucha
Launch Date 28-Feb 2024
Invest
Min SIP ₹500
Min Lumpsum ₹5000
Expense Ratio 1.87%
Fund Manager Mahesh A Chhabria
Launch Date 22-Feb 2024
Invest
Min SIP ₹500
Min Lumpsum ₹500
Expense Ratio 2.03%
Fund Manager Ankush Sood
Launch Date 04-Aug 2020
Invest
Min SIP ₹500
Min Lumpsum ₹5000
Expense Ratio 1.44%
Fund Manager Dinesh Balachandran
Launch Date 21-Dec 2005
Invest
Min SIP ₹100
Min Lumpsum ₹500
Expense Ratio 1.88%
Fund Manager Piyush Baranwal
Launch Date 19-May 2023
Invest
Min SIP ₹100
Min Lumpsum ₹500
Expense Ratio 1.85%
Fund Manager Dhaval Shah
Launch Date 31-Jan 2023
Invest
Min SIP ₹100
Min Lumpsum ₹5000
Expense Ratio 1.49%
Fund Manager Vikram Dhawan
Launch Date 27-Aug 2020
Invest
Min SIP ₹500
Min Lumpsum ₹5000
Expense Ratio 2.01%
Fund Manager Ritesh Patel
Launch Date 31-Jan 2024
Invest
Min SIP ₹500
Min Lumpsum ₹1000
Expense Ratio 2.05%
Fund Manager Rahul Pal
Launch Date 13-Mar 2024
Invest
Min SIP ₹100
Min Lumpsum ₹100
Expense Ratio 1.73%
Fund Manager Abhishek Bisen
Launch Date 22-Sep 2023
Invest
Min SIP ₹100
Min Lumpsum ₹5000
Expense Ratio 2.1%
Fund Manager Jitendra Sriram
Launch Date 19-Dec 2022
Invest
Min SIP ₹100
Min Lumpsum ₹5000
Expense Ratio 1.87%
Fund Manager Murthy Nagarajan
Launch Date 04-Mar 2020
Invest
Min SIP ₹500
Min Lumpsum ₹5000
Expense Ratio 1.77%
Fund Manager Sunil Madhukar Patil
Launch Date 17-Dec 2008
Invest
Min SIP ₹100
Min Lumpsum ₹100
Expense Ratio 2.1%
Fund Manager Devang Shah
Launch Date 23-Aug 2010
Invest
Min SIP ₹1000
Min Lumpsum ₹5000
Expense Ratio 1.88%
Fund Manager Sanjeev Sharma
Launch Date 18-Apr 2001
Invest
Min SIP ₹500
Min Lumpsum ₹500
Expense Ratio 2.08%
Fund Manager Nimesh Chandan
Launch Date 06-Jun 2024
Invest
Min SIP ₹100
Min Lumpsum ₹100
Expense Ratio 1.76%
Fund Manager Dwijendra Srivastava
Launch Date 25-Jan 2024
Invest
Min SIP ₹5000
Min Lumpsum ₹5000
Expense Ratio -
Fund Manager Nikhil Rungta
Launch Date 14-Feb 2025
Invest
Min SIP ₹100
Min Lumpsum ₹1000
Expense Ratio 1.99%
Fund Manager Gautam Kaul
Launch Date 24-Jan 2024
Invest
Min SIP ₹100
Min Lumpsum ₹100
Expense Ratio 1.64%
Fund Manager Jay Kothari
Launch Date 27-Sep 2023
Invest
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Are Multi Asset Allocation Funds Suitable for You?

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Check Suitability of Multi Asset Allocation Funds for your Portfolio

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Comparison of Top Multi Asset Allocation Funds

Multi Asset Allocation Funds Return Calculator

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  • Invested Amount
  • Estimated Returns

  • Invested Amount ₹43,855
  • Interest Earned ₹6,145

Benefits of Multi Asset Allocation Funds

It is important to identify the advantages of a Mutual Funds scheme before investing in a multi allocation fund:

  1. Diversification

    Multi Asset Allocation Funds allow you to invest in different asset classes like stocks, bonds and gold funds, helping to divide risk and maximize returns.

  1. Steady Returns

    These funds help generate steady returns by balancing investments across different assets, even during market ups and downs.

  1. Automatic Rebalancing

    The funds automatically adjust your investments to keep them balanced, which helps you stay on track during market changes.

  1. Ready-Made Portfolio

    With a multi allocation fund, you get a well-balanced portfolio without needing a professional to create one for you. It’s a simple way to invest in various assets through just one fund.

  1. No Entry or Exit Charges

    There are no charges for entering or exiting the fund, as long as you redeem less than 10% of your investment before a year. If you redeem more than 10%, a small exit fee is applied.

  1. Potential for Quick Returns

    Even though multi asset allocation fund have not been through a full market cycle, they can provide good returns in a short time for investors who know how to manage asset allocation.

Get your finances straight via SIP for a paperless and hassle-free investment journey.

Top Multi Asset Funds to Invest via SIP

Here are the 3 Best Performing Multi Asset Funds to begin your systematic investment plan (SIP) with:

  1. ICICI Prudential Multi Asset Fund

    After being launched on 31st October 2002, the ICICI Prudential Multi Asset Fund has delivered outstanding SIP returns of 19.19% & 21.97% in the last 3 and 5 years respectively. Being a multi allocation fund, it invests at least 65% of your money in equity funds that include domestic and overseas stocks as well. Moreover, it is a good investment option as it offers low risk by doing an in-depth credit evaluation to minimise the credit risk and gives you a balance of income stability and growth potential.

  1. Nippon India Multi Asset Allocation

    Established on 5th August 2020, it makes the Nippon India Multi Asset Allocation Fund a newly launched scheme amongst its peers while giving an impressive 17.59% SIP returns in a 3-year time frame. The core focus is investing in short-term, high-quality debt instruments that will give more liquidity and make it easy to buy and sell your investments. It applies a dynamic multi asset strategy to adjust equity exposure as per the market conditions.

  1. Quant Multi Asset Fund

    Amongst the best performing multi asset funds, the Quant Multi Asset Fund has achieved its place by delivering impressive SIP returns of 19.37% & 24.1% in 3 and 5 years, respectively. The multi asset allocation of this fund is 10-80% in equities (domestic & overseas), 0-30% in gold ETFs and silver ETFs, commodity ETFs and 0-30% in REITs & InvITs, which gives a flexible approach using the quantitative and qualitative measures.

Pro Tip: Do your calculation in minutes using the SIP Calculator for free.

Who Should Invest in a Multi Allocation Fund?

The following points show the suitability of multi asset allocation mutual funds for you:

  1. Investors with Low-Risk Appetite

    If you are someone who wants low-risk funds but still wants steady returns, this type of fund is a good option.

  1. Those Looking to Diversify

    Multi asset mutual funds invest in different things like stocks, bonds, and gold. This helps reduce the risk of losing money if one of those investments does not perform well.

  1. Investors Seeking Steady Income

    A multi allocation fund can give you a steady income, even if some investments aren’t performing as well. It’s a good choice for people who want more stability.

How to Invest in Multi Asset Mutual Funds via MySIPonline?

You can follow the given steps to easily start your investments in the best multi asset allocation mutual funds via SIP:

  • Step 1: Log in to MySIPonline
    Set up your free MySIPonline account.
  • Step 2: Complete KYC
    Ensure your KYC is done or complete Video KYC.
  • Step 3: Provide Personal Details
    Enter your PAN, Aadhaar, bank details, nominee, and signature.
  • Step 4: Choose an AMC
    Select your preferred Asset Management Company (AMC).
  • Stepp 5: Pick a Multi Asset Fund
    Choose the best Multi Asset Allocation Mutual Fund that suits your goals.
  • Step 6: Add Mutual Funds to the Cart
    Add the fund to your cart and select SIP or lump sum.
  • Step 7: Make Payment
    Pay via UPI or net banking to finalize the investment.
  • Step 8: Track Your Investment
    Monitor and analyse your investment on the dashboard.

Pro Tip: Stay ahead of time by stepping up your investments via Step Up SIP Calculator Today.

Frequently Asked Questions

Who should invest in Multi Asset Allocation Mutual Funds?
Multi Asset Allocation funds are suitable for the investors who can digest high risk in search for higher returns. Moreover, these funds are not suitable for the investors who are stepping in the finance market with a short term investment perspective as they might end up delivering negative returns.
What is the minimum investment required for investing in Multi Asset Allocation funds?
The minimum investment depends from one scheme to another. In general, for lumpsum investment the minimum investment can range from Rs. 500 to Rs. 5000. Whereas, in case of SIP, the range may vary between Rs. 500 to Rs. 1000. For authentic information, never forget to check the scheme related documents.
What is the investment philosophy followed by Multi Asset Allocation companies?
The fund manager of Multi Asset Allocation fund targets the best small sized companies having the potential to generate excellent gains in the future. Such companies do not have much resources as the large cap or mid cap companies but have high potential to outperform many big companies.
Why to invest in Multi Asset Allocation funds?
Multi Asset Allocation funds have more tendency of providing exceptional returns than the other categories of funds. Moreover, they can also be a suitable option for providing diversification to your portfolio.
How risky are Multi Asset Allocation funds?
Multi Asset Allocation funds are one of the riskiest mutual funds. But at the same time rewards are also high. Therefore, an investor who is willing to expose his corpus towards risk for fetching higher returns should invest in Multi Asset Allocation funds.
Are Multi Asset Allocation Funds for long term investment?
Yes, Multi Asset Allocation funds are a suitable choice for generating long term capital appreciation. Moreover, in short term these funds can cause double digit losses to the investors. Thus, always maintain a long term investment perspective while investing in Multi Asset Allocation mutual funds.
What is the benchmark of Multi Asset Allocation Fund?
Benchmark is a standard with which a mutual fund competes in terms of growth & performance. Different Multi Asset Allocation funds have different benchmark. Thus, read the mutual fund document carefully to know the benchmark.
What are the taxes applied on Multi Asset Allocation Mutual Funds?
Multi Asset Allocation funds are eligible for two types of taxes- STCG (Short Term Capital Gain) and LTCG (Long Term Capital Gain). STCG is the capital gain generated on the units which are hold for up to 1 year. The STCG tax imposed by the Government of India is 15%. LTCG is the profit generated on the units which are hold for more than one years. The LTCG levied is 10% for the profit above Rs. 1 Lakh.

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