Mutual Funds
Diversified, professionally managed, regulated. The most accessible investment vehicle in India — for good reason.
Top 100 mutual funds we track
Top 0 Direct-Growth funds from the largest AMCs across 0 SEBI categories. NAVs from AMFI India's daily feed; returns computed from historical NAVs.
| Asset Management Company — the firm that runs the fund (e.g. SBI, HDFC, ICICI Prudential). | Rating CRISIL rating (1–5), via Kuvera — based on risk-adjusted returns. Higher is better. Shown where available. | Net Asset Value — the per-unit price of the fund as published daily by AMFI. | Simple percent change over the trailing 6 months (not annualised — the window is shorter than a year). | Compound Annual Growth Rate over the trailing 1 year. Annualised return as if it compounded smoothly. | Annualised CAGR over the trailing 2 years. | Annualised CAGR over the trailing 3 years — a more honest read than 1Y. | Annualised CAGR over the trailing 5 years — the timeframe SEBI suggests for equity funds. | Annualised CAGR over the trailing 10 years. Shown only for funds that have actually existed that long. | Expense Total Expense Ratio — the annual fee the AMC charges, already reflected in the NAV. Via Kuvera, shown where available. | 30d Sparkline of the last 30 NAV points from MFAPI, oldest left, newest right. | As of | |||
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NAVs from AMFI India's daily feed (~10 PM IST). Returns computed as annualised CAGR using historical NAVs from MFAPI. CRISIL rating and expense ratio via Kuvera, shown where available. All schemes shown are Direct/Growth plans. Past performance is not indicative of future returns. This list is editorial, not a recommendation. Read scheme-related documents carefully before investing.
In plain language
A mutual fund pools money from many investors and buys a basket of stocks, bonds, gold, or other assets. A professional fund manager makes the buy/sell decisions, and you own units that reflect your share of the basket.
In India, mutual funds are regulated by SEBI and registered with AMFI. There are over 1,400 schemes across 40+ asset management companies — covering equity (large/mid/small cap, multi-cap, sectoral, thematic), debt (liquid, short-duration, dynamic bond), hybrid, ELSS for tax-saving, gold funds, and international funds.
You can invest a one-time lumpsum or set up a Systematic Investment Plan (SIP) — typically ₹500 per month minimum. The two big choices most investors miss: Direct vs Regular plans (Direct saves 0.5–1% per year in expense ratio), and Active vs Passive (index funds cost 0.1–0.5% vs 1–2% for active).
Visualised
Illustrative composite returns based on Nifty 500 TRI and CRISIL Composite Debt Fund Index. Past performance does not guarantee future returns.
Returns shown are historical and do not guarantee future performance.
Quick reference
Pros and cons
Pros
- Professionally managed and SEBI-regulated
- Wide diversification at low ticket size
- Liquid (most schemes redeem in T+1 or T+3)
- Transparent (NAV published daily)
- SIP enforces discipline — averaging costs over time
Cons
- Most active funds underperform their benchmark over 10 yrs
- Regular plan commissions silently eat 0.5–1% per year
- Exit loads (typically 1% if redeemed within 1 yr) catch new investors
- Debt fund taxation changed in 2023 — no longer the indexation benefit
- Too much choice leads to over-diversification (15 funds doing the same thing)
Who should consider this?
Consider mutual funds if you have ₹500+/month to invest, want to start before you have ₹50L+, value liquidity, and prefer a regulated structure. They're the right base layer for almost every investor in India.
Common mistakes
- Buying Regular plans through your bank or app instead of Direct (costs you 0.5–1% per year — over 30 years that's a 25% smaller corpus).
- Picking the fund that was #1 last year. Past performance leadership is the worst predictor of future returns.
- Owning 12 different equity funds that all hold the same Nifty-50 stocks — you've paid 12 expense ratios for one index.
- Stopping SIPs in market crashes. Those are the months your units cost the least.
- Ignoring the ELSS deduction (₹1.5L u/s 80C) when you're in old tax regime and could save ₹15k–₹45k in tax per year.
PlanMyCashflows + this product
CashFlow Planner tracks every mutual fund you own across folios and AMCs, flags Regular plans that should be moved to Direct, identifies overlap and concentration, and runs tax-loss harvesting on the ₹1.25L LTCG exemption every March. Our education-first explainers help you understand what a goal-aligned scheme list looks like.
Frequently asked
Direct vs Regular plans — does the 0.5% really matter?⌄
Yes. On a ₹10L corpus growing at 12% for 20 years, Direct gives you ~₹96L while Regular (at 11.5%) gives ~₹87L — a ₹9L gap from the same fund. Always invest in Direct plans via platforms like Coin (Zerodha), Kuvera, MFCentral, or directly through AMC websites.
How many mutual funds should I own?⌄
For most investors: 3–5 equity funds + 1–2 debt funds is plenty. One large-cap or index fund, one flexi-cap, one mid/small-cap if appetite allows, and one debt fund for short-term goals. More than that usually creates overlap without real diversification.
SIP or lumpsum?⌄
If you have monthly income → SIP (rupee-cost averaging + discipline). If you have a lumpsum (bonus, inheritance, sale proceeds) → STP (Systematic Transfer Plan) from a liquid fund into your target equity fund over 6–12 months reduces timing risk vs deploying all at once.
What about ELSS for tax saving?⌄
ELSS funds let you deduct up to ₹1.5L u/s 80C if you're in the old tax regime, with a 3-year lock-in (the shortest of any 80C option). They invest in equities, so returns are market-linked. Skip if you're in the new tax regime — there's no 80C benefit there.
Are international funds worth it?⌄
Some allocation (5–15%) to US or global funds gives currency diversification and exposure to large global tech. But Indian mutual funds investing abroad are now taxed as debt funds (slab rate), making them less attractive vs Indian equity post-2023. Consider GIFT City or direct US brokerages for larger allocations.
How much should I invest in mutual funds vs other assets?⌄
Depends on age, goals, and other assets. A reasonable starting framework: equity MF allocation = (100 - your age) % of investable surplus, with the rest split across debt, gold (5–10%), and emergency fund (6 months expenses). The AI Wealth Planner gives you a personalised number.
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