Mutual Funds

Invest your money in mutual funds online. Explore the best mutual funds in India that generate higher returns than inflation and safely achieve your financial goals.

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What are Mutual Funds?

A mutual fund is an investment option created by AMCs (asset management companies) that appoints a fund manager to pool money and invest across various asset classes such as equity, debt, gold and other securities to generate good returns with secured risk from the different types of financial resources.

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Types of Mutual Funds

Equity Funds

Equity Funds are specific funds that invest 60% or more in the stock market (equity stocks) for long-term returns.

Types of Equity Funds

Large Cap Funds

Invests at least 80% of money in top 100 companies.

Mid Cap Funds

Invests up to 65% of money in mid-sized growing companies.

Small Cap Funds

Invests 65% of money in 251st-ranked companies.

Multi Cap Funds

Invest 25% of the money equally in large, mid and small cap stocks.

Best Equity Fund By Our Expert

Medal High Growth Fund
Returns (3Yr. Avg.):

21.53% p.a.

Our Rating: Stars
See All Equity Funds

Best Debt Fund By Our Expert

Medal Best for Passive Investing
Returns (3Yr. Avg.):

6.59% p.a.

Our Rating: Stars
See All Debt Funds

DEBT FUNDS

Debt Funds invest in fixed-income securities to give steady income like corporate bonds & government securities.

Types of Debt Funds

Liquid Funds

Invests 100% in money market instruments with up to 91-day maturities.

Short-term Funds

Invests at least 80% of money in short-term debt instruments for 1-3 years.

Corporate Bonds

Invests up to 80% of money in high-rated corporate debt securities.

Government Bonds

Invests 100% of money in bonds issued by the government, eg, treasury bonds.

HYBRID FUNDS

Hybrid Funds invest in mixed asset classes like equity, debt, and gold, giving the benefits of a multi-cap strategy via single scheme.

Types of Hybrid Funds

Agressive Hybrid Funds

Invests 60-80% of money in equity & 20-35% in debt securities.

Conservative Funds

Invests 65% in equity derivatives, rest in stocks & bonds.

Multi Asset Funds

Invests 10% of assets amongst equity, debt and gold.

Dynamic Funds

Shifts allocation in equity and debt based on market conditions.

Best Hybrid Fund By Our Expert

Medal Best for Balanced Growth
Returns (3Yr. Avg.):

22.53% p.a.

Our Rating: Stars
See All Hybrid Funds

Best Other Fund By Our Expert

Medal Best Gold Fund
Returns (3Yr. Avg.):

15.38% p.a.

Our Rating: Stars
See All Other Funds

OTHER FUNDS

Other Funds include investment options that don’t fit into traditional equity or debt categories, offering unique ways to diversify your portfolio.

Types of Other Funds

Gold Funds

Invest in gold securities & mining stocks for gold price appreciation.

International Funds

Invest in foreign stocks or bonds for global diversification.

Index Funds

Tracks Nifty 50 & S&P 500 for low-cost broad market exposure.

Silver Funds

Invest in silver ETFs or mining companies for price growth.

Benefits of Investing in Mutual Funds

Sip Mutual

Diversification

A single fund gives benefits by investing in a variety of stocks and bonds, minimizing overall risk.

Sip Mutual

Flexibility

You can choose to invest in varied asset types and adjust invested amount to align with your goals.

Sip Mutual

Professional Management

The funds are managed by experienced analysts who strategically invest money to maximize returns.

Sip Mutual

Transparency

Full disclosure of your investments helps you make informed adjustments to your portfolio.

Sip Mutual

Liquidity

Freedom to buy and sell your mutual funds anytime without having its price affected.

Sip Mutual

Systematic Investment

You can build strong long-term wealth by making small regular payments via SIPs.

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Top Performing Mutual 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
  • LIC
  • Mirae Asset
  • Motilal Oswal
  • Mahindra
  • PGIM
  • WOC
  • Bandhan
  • 360 One
  • Bajaj Finserv
  • Quant
  • Parag Parikh
  • ITI

Asset Type

  • Equity
  • Commodities
  • Debt
  • Solution Oriented
  • Hybrid
  • Others

Category Type

  • Large Cap
  • Mid Cap
  • Small Cap
  • Flexi Cap
  • Index Fund
  • Large and Mid Cap
  • Multi Cap
  • ELSS
  • Banking & Financial
  • IT & Technology
  • Pharma & Healthcare
  • Infrastructure
  • FMCG
  • Focused
  • Value
  • Contra
  • Consumption Theme
  • Energy Sector
  • PSU Themes
  • MNC Themes
  • Others Sector
  • Other Themes
  • Dividend Yield
  • International Funds
  • Thematic-Infrastructure
  • Close ended equity scheme
  • ETFs
  • Manufacturing
  • Thematic Transportation
  • Overnight
  • Liquid
  • Ultra Short Duration
  • Low Duration
  • Money Market
  • Short Duration
  • Dynamic Bond
  • Corporate Bond
  • Medium Duration
  • Medium to Long Duration
  • Long Duration
  • Gilt
  • 10 yrs Gilt Fund
  • Credit Risk
  • Banking and PSU
  • Floater
  • FMP
  • Aggressive
  • Balanced Hybrid
  • Conservative
  • Equity Savings
  • Dynamic Asset Allocation
  • Multi Asset Allocation
  • Arbitrage Funds
  • Gold
  • Silver
  • Retirement Funds
  • Childrens Funds
  • Domestic Equity FoF
  • Domestic Deb FoF
  • Domestic Hybrid FoF
  • Domestic FoF
  • International FoF

Minimum SIP Amt.

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

Fund Option

  • Growth
  • Dividend
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Snapshot

Returns

Risk

Information

NAV Details

Compare Funds

Lumpsum 3Y P.a 8.02%
SIP 3Y P.a. -
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Lumpsum 3Y P.a 35.26%
SIP 3Y P.a. 45.94%
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Lumpsum 3Y P.a 33.32%
SIP 3Y P.a. 42.82%
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Lumpsum 3Y P.a -
SIP 3Y P.a. -
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Lumpsum 3Y P.a 28.12%
SIP 3Y P.a. 40.81%
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SIP 3Y P.a. -
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Lumpsum 3Y P.a 27.91%
SIP 3Y P.a. 40.84%
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Lumpsum 3Y P.a 24.89%
SIP 3Y P.a. 37.06%
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Lumpsum 3Y P.a 25.57%
SIP 3Y P.a. 37.15%
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Lumpsum 3Y P.a 29.12%
SIP 3Y P.a. 42.4%
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Short Term

Long Term

SIP

Rolling Term

1 Week 64.29%
1 Month 64.29%
3 Months 64.29%
6 Months 64.29%
1 Year 64.29%
Invest
1 Week 0.89%
1 Month 3.88%
3 Months 3.43%
6 Months 17.56%
1 Year 55%
Invest
1 Week 0.68%
1 Month 1.65%
3 Months -0.84%
6 Months 4.28%
1 Year 49.9%
Invest
1 Week 2.01%
1 Month 3.82%
3 Months 4%
6 Months 29.1%
1 Year 49.43%
Invest
1 Week 0.94%
1 Month 4.34%
3 Months 1.54%
6 Months 15.82%
1 Year 48.7%
Invest
1 Week 0.36%
1 Month 4.37%
3 Months 6.26%
6 Months 22.68%
1 Year 47.53%
Invest
1 Week 0.18%
1 Month 5.26%
3 Months 2%
6 Months 17.62%
1 Year 46.51%
Invest
1 Week 1.18%
1 Month 3.7%
3 Months 0.54%
6 Months 23.1%
1 Year 46.24%
Invest
1 Week -0.03%
1 Month 3.7%
3 Months -0.39%
6 Months 12.28%
1 Year 44.48%
Invest
1 Week -0.05%
1 Month 1.11%
3 Months -3.14%
6 Months 15.01%
1 Year 44.46%
Invest
2 Years 8.02%
3 Years 8.02%
5 Years 8.02%
Annual Rt 9.47%
Invest
2 Years 48.77%
3 Years 35.26%
5 Years 32.96%
Annual Rt 24.71%
Invest
2 Years 46.75%
3 Years 33.32%
5 Years 27.69%
Annual Rt 10.53%
Invest
2 Years -
3 Years -
5 Years -
Annual Rt 56.27%
Invest
2 Years 42.43%
3 Years 28.12%
5 Years 24.11%
Annual Rt 18.64%
Invest
2 Years -
3 Years -
5 Years -
Annual Rt 33.63%
Invest
2 Years 42.31%
3 Years 27.91%
5 Years 26.39%
Annual Rt 26.61%
Invest
2 Years 42.81%
3 Years 24.89%
5 Years 30.63%
Annual Rt 24.53%
Invest
2 Years 39.15%
3 Years 25.57%
5 Years 28.13%
Annual Rt 43.2%
Invest
2 Years 48.94%
3 Years 29.12%
5 Years -
Annual Rt 40.92%
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Min SIP ₹100
Min Lumpsum ₹500
Expense Ratio 1.91%
Fund Manager Dhaval Shah
Launch Date 22-May 2004
Invest
Min SIP ₹500
Min Lumpsum ₹500
Expense Ratio 1.62%
Fund Manager Niket Shah
Launch Date 24-Feb 2014
Invest
Min SIP ₹1000
Min Lumpsum ₹5000
Expense Ratio 2.34%
Fund Manager Yogesh Patil
Launch Date 24-Mar 2008
Invest
Min SIP ₹100
Min Lumpsum ₹100
Expense Ratio 2.17%
Fund Manager Dhruv Muchhal
Launch Date 28-Sep 2023
Invest
Min SIP ₹500
Min Lumpsum ₹500
Expense Ratio 1.83%
Fund Manager Ajay Khandelwal
Launch Date 21-Jan 2015
Invest
Min SIP ₹500
Min Lumpsum ₹500
Expense Ratio 1.92%
Fund Manager Ajay Khandelwal
Launch Date 26-Dec 2023
Invest
Min SIP ₹500
Min Lumpsum ₹500
Expense Ratio 1.77%
Fund Manager Ajay Khandelwal
Launch Date 17-Oct 2019
Invest
Min SIP ₹500
Min Lumpsum ₹5000
Expense Ratio 1.92%
Fund Manager Dharmesh Kakkad
Launch Date 13-Jul 2018
Invest
Min SIP ₹500
Min Lumpsum ₹1000
Expense Ratio 1.82%
Fund Manager Aditya Khemani
Launch Date 19-Apr 2007
Invest
Min SIP ₹100
Min Lumpsum ₹1000
Expense Ratio 1.72%
Fund Manager Manish Gunwani
Launch Date 26-Feb 2020
Invest
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How do Mutual Funds Work?

A Mutual fund works as an investment vehicle that collects money to invest in a diversified portfolio such as stocks, bonds other securities. Now, when you are investing in a mutual funds scheme, it allots specific units called NAV or net asset value that represents your holdings or ownership in a particular fund. Let's see a step-by-step guide to how mutual funds work:

  1. Pooling Money: Investors give money by buying shares or units in the mutual fund. This collective money is managed by experts.
  2. Investment Strategy: The fund manager uses the pooled money to invest in various assets based on the fund's objectives (e.g., stocks for growth, bonds for income).
  3. NAV Calculation: The value of one share of the fund is known as the NAV or the Net Asset Value. It’s calculated by dividing the total value of the fund’s investments by the number of outstanding shares. The net asset value changes daily based on the performance of the assets.
  4. Value Changes: If the investments do well, the NAV goes up, and if they perform poorly, the NAV goes down.
  5. Returns to Investors: Investors earn returns through capital gains (profits from selling assets) and income distributions (like dividends or interest). These returns can be reinvested or paid out to investors.
  6. Buying and Selling: Investors can buy or sell their shares in the mutual fund at the NAV (net asset value) price that is calculated at the end of each trading day.
  7. Fees: The mutual funds charge a fee for managing your investments and administrative costs and exit loads. It is necessary to understand that these can affect your total returns.
  8. Tax Implications: Mutual fund returns are subject to capital gains tax. Investors pay taxes on any profits made by the fund.

Example of how NAV is calculated:

Imagine you invest Rs 10,000 in a mutual fund. The fund’s NAV is Rs 10, and you buy 1,000 units.

  • If the NAV increases to Rs 12 after a year, your 1,000 units will now be worth Rs 12,000, giving you a profit of Rs 2,000.
  • If the NAV drops to Rs 8, your investment would be worth Rs 8,000, resulting in a loss of Rs 2,000.

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How to Choose the Right Mutual Fund for You?

You can filter the Best Mutual Funds by using these 4 principles:

  1. Investment Strategy: Make sure that the investment strategy match with your financial goals and risk taking capacity. Observe the fund based on its growth, balanced approach and asset allocation to measure the quality it brings to your portfolio.
  2. Consistency in Returns: Look at the fund's past track record, like trailing and rolling returns, which will give you an idea of how the fund performs during market volatility. The best mutual funds showcase stable performance in the long term with timely recovery.
  3. Robust Fund Management: The consistency of the fund manager is very important. It speaks to the understanding of the fund and managing tactics of the manager, giving higher chances of strong returns.
  4. Risk & Reward Ratio: Use key metrics such as standard deviation, which measures volatility and beta and compare risk to the fund's benchmark. It helps you understand how much return the fund generates per unit of risk taken.

Direct Plan Vs Regular Plan: Which is Better?

Mutual funds offer you investment via two different types of plans: direct and regular plans. Here is a comparison of direct plans vs regular plans based on several parameters:

 
Particulars Direct Plan Regular Plan
Assistance/ Recommendations No At every step, you are assisted by a mutual funds expert
NAV (Net Asset Value) Higher Lower
Market Analysis Required Yes No
Research on Funds Required Deep analysis is required as you may miss the buy-and-sell opportunity Not required as an advisor will assist you
Convenience Less More
Time Consumption More Less

 

How to Invest in Mutual Funds via MySIPonline?

Here is a quick and easy guide to starting your mutual fund's investment:

  • Sign Up: Register using your email and OTP for a secure account.
  • Select Fund: Choose the mutual fund you want to invest in.
  • Enter Investment Amount: Decide how much you want to invest.
  • Investment Type: Select one-time lumpsum investment or start a SIP (Systematic Investment Plan).
  • Enter Details: Provide your PAN full name and verify your mobile number.
  • Bank Details: Input your bank account details and select the payment method.
  • Set Up SIP (if applicable): For SIP, set up a payment mandate.
  • Complete KYC: Go through the KYC process by uploading a selfie, completing a live video and e-signing.
  • Transaction Processing: Once KYC is verified, your transaction will be processed.

What are the Tax Implications on the Best Mutual Funds in India?

Here is how you can calculate tax implications on your mutual funds under the New Tax Regime:

  1. Equity Mutual Funds

    • Short-Term Capital Gains (STCG): If you sell your units within 1 year, the gains are taxed at 15%.
    • Long-Term Capital Gains (LTCG): If you hold the units for more than 1 year, the gains over Rs.1 lakh in a financial year are taxed at 10% without the benefit of indexation.
  2. Debt Mutual Funds

    • Short-Term Capital Gains (STCG): If sold within 3 years, the gains add to your income and are taxed as per your income tax slab.
    • Long-Term Capital Gains (LTCG): If held for more than 3 years, you are taxedat 20% with indexation.
  3. Hybrid Funds (Combination of Equity and Debt)

    • Taxation depends on the fund’s asset allocation. If more than 65% of the fund’s assets are in equities, it is taxed as an equity fund. Otherwise, it follows the debt fund tax rules.
  4. Dividend Income

    • Equity Funds: Dividends are tax-free in the hands of investors.
    • Debt Funds: Dividends are subject to 10% TDS if the amount exceeds Rs.5,000 in a financial year.

New Fund Offerings

Explore newly launched mutual funds by AMC and pick the one that fits your goals & needs.

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Frequently Asked Questions

What Are The Best Mutual Funds To Invest In 2025?

Here are the 3 top-performing mutual funds to start your SIP:

Scheme Name Launch Date AUM (Cr) as of 30.10.24
ICICI Pru Large & Mid Cap Fund 09.07.1988 17,120
ICICI Prudential Short Term Fund 01.10.2001 19,922
HDFC Balance Advantage Fund 01.02.1994 94,865
How Are Returns Generated On Mutual Funds?

You can earn returns on your mutual funds through dividends and capital gains.

How to Select a Better Mutual Fund?

Mutual funds provide a number of schemes suiting the goals and objective of investors from every category. To choose the right fund for yourself, you can either research for yourself or take the assistance of a financial expert.

What Is Net Asset Value (NAV) In Mutual Funds?

The net asset value is the per unit price at which you buy and sell your mutual funds. It is calculated by dividing the total assets of the fund minus liabilities by the number of outstanding units.

Who Regulates Mutual Funds?

The SEBI (Securities and Exchange Board of India) is the regulatory body that governs the mutual funds industry in India

What Is The Role Of A Fund Manager?

A fund manager is in charge of managing a mutual fund's portfolio using their expertise to adjust the fund's assets to meet your financial goals.

What Documents Are Required For A Mutual Fund?

To complete your KYC (know your customer), you require identity proof and address proof such as PAN and Aadhar card, passport, bank statement etc.

Which Mutual Funds Are Tax-free?

The ELSS Funds (equity-linked schemes) are the only category in mutual funds that offer tax deductions under section 80C.

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