A. Equity Schemes
Invest in stocks, for capital growth and higher returns, carrying higher risk
A. Equity Schemes
Invest in stocks, for capital growth and higher returns, carrying higher riskBest Equity Mutual Fund
11 Sub categories - 1. Mutli Cap fund, 2. Large Cap fund, 3. Large and Mid-Cap fund, 4. Mid-Cap fund, 5. Small Cap fund, 6. Dividend Yield fund, 7. Value/Contra fund, 8. Focused fund, 9. Sectoral/Thematic, 10. Equity Linked Savings Scheme, 11. Flexi-cap fund
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AMC
|
Category
|
AUM (Rs. in cr)
|
1 yr
|
3 yrs
|
5 yrs
|
Expense ratio
|
|---|---|---|---|---|---|---|
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HDFC Mid Cap Opportunities Fund (G)
|
Mid-Cap
|
67,578
|
13.19%
|
23.75%
|
33.25%
|
1.42%
|
|
Motilal Oswal Midcap Fund (G)
|
Mid-Cap
|
23,704
|
22.68%
|
28.11%
|
35.56%
|
1.61%
|
|
Nippon India Small Cap Fund (G)
|
Small-Cap
|
50,826
|
9.47%
|
21.16%
|
39.30%
|
1.48%
|
|
Quant Small Cap Fund (G)
|
Small-Cap
|
22,832
|
2.71%
|
20.53%
|
49.46%
|
1.65%
|
|
Edelweiss Small Cap Fund (G)
|
Small-Cap
|
3,719
|
10.58%
|
16.91%
|
35.02%
|
1.87%
|
|
SBI Long Term Equity Fund (D)
|
ELSS
|
25,723
|
1.16%
|
19.86%
|
29.14%
|
1.60%
|
|
Motilal Oswal ELSS - Tax Saver Fund (D)
|
ELSS
|
3,405
|
-1.51%
|
17.55%
|
25.04%
|
1.87%
|
B. Debt Schemes
Invest in government bonds, corporate bonds, treasury bills, commercial paper, for income stability and safe
B. Debt Schemes
Invest in government bonds, corporate bonds, treasury bills, commercial paper, for income stability and safeBest Debt Mutual Fund
16 sub categories - 1. Overnight fund, 2. Liquid fund, 3. Ultra - Short Duration fund, 4. Low Duration fund, 5. Money market fund, 6. Short Duration fund, 7. Medium Duration fund, 8. Medium to long duration fund, 9. Long duration fund, 10. Dynamic bond, 11. Corporate bond fund, 12. Credit Risk fund, 13. Banking and PSU fund, 14. Gilt fund, 15. Gilt fund with 10 year constant duration, 16. Floater fund
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AMC
|
Category
|
AUM (Rs. in cr)
|
1 yr
|
3 yrs
|
5 yrs
|
|---|---|---|---|---|---|
C. Hybrid Schemes
Invest in mix of stocks and bonds, for growth potential with income generation and risk mitigation
C. Hybrid Schemes
Invest in mix of stocks and bonds, for growth potential with income generation and risk mitigationBest Hybrid Mutual Fund
6 sub categories - 1. Conservative hybrid fund, 2. Balance or Aggressive hybrid fund, 3. Dynamic Asset allocation or Balance Advantage , 4. Mutli Asset Allocation, 5. Arbitrage fund, 6. Equity Saving
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AMC
|
Category
|
AUM (Rs. in cr)
|
1 yr
|
3 yrs
|
5 yrs
|
Expense ratio
|
|---|---|---|---|---|---|---|
D. Solution Oriented Schemes
Specifc financial goals, like retirement or education
D. Solution Oriented Schemes
Specifc financial goals, like retirement or educationBest Solution Oriented Mutual Fund
2 sub categories- 1. Retirement fund, 2. Children's fund
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AMC
|
Category
|
AUM (Rs. in cr)
|
1 yr
|
3 yrs
|
5 yrs
|
Expense ratio
|
|---|---|---|---|---|---|---|
D. Other Schemes
D. Other Schemes
Best Other Schemes
2 sub categories- 1. Index fund / Exchange traded fund, 2. Fund of Funds (Overseas / Domestic) Other type - 1. Fixed Maturity Plans, 2. Capital Protection Oriented funds, 3. Infrastructure Debt fund, 4. Real Estate Mutual fund. New Type of funds - 1. Smart Beta fund, 2. Quant fund, 3. International REIT's, 4. Specialized Investment fund
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AMC
|
Category
|
AUM (Rs. in cr)
|
1 yr
|
3 yrs
|
5 yrs
|
Expense ratio
|
|---|---|---|---|---|---|---|
Note:
- AK is as an AMFI registered Mutual fund distributor
- Mutual Fund investments are subject to market risk, read all scheme related documents carefully.
Frequently Asked Questions
What are Mutual Funds and how do they work?
A mutual fund pools money from many investors and invests it in shares, bonds or other securities as per a stated objective. A professional fund manager runs the portfolio. Investors hold units, and the value of each unit, called the NAV (Net Asset Value), is declared every business day. Mutual funds in India are regulated by SEBI.
What are the different types of mutual funds?
The main categories are equity funds (invest in shares), debt funds (invest in bonds and money market instruments) and hybrid funds (a mix of both). Other options include index funds and ETFs that track a market index, ELSS tax-saving funds, and fund of funds. SEBI further defines sub-categories such as large cap, flexi cap and liquid funds.
How do I choose the best mutual funds to invest in?
Start with your goal, time horizon and comfort with risk, then pick the category that fits. Within that category, compare performance over 3 to 5 years across market cycles rather than recent returns alone. Also check the expense ratio, risk-o-meter, fund size and fund manager’s track record, and avoid holding too many funds with overlapping portfolios.
Can I invest in mutual funds with a small amount?
Yes. Many funds allow a SIP (Systematic Investment Plan) from ₹500 a month, and some accept smaller amounts. Lump sum investments can often start from ₹1,000 to ₹5,000. Investing a fixed amount regularly builds discipline and spreads your purchase cost across market ups and downs, so you do not need to time the market.
How long should I stay invested in mutual funds?
It depends on the fund type and your goal. Liquid and overnight funds suit a few days to months, debt funds 1 to 3 years, hybrid funds 3 to 5 years, and equity funds 5 years or more. A longer horizon gives equity time to ride out short-term market falls. Review your portfolio at least once a year.
Can I withdraw money from a mutual fund at any time?
Open-ended funds can be redeemed on any business day, and the money is credited to your bank account within a few working days. Some funds charge an exit load, commonly 1%, if you redeem within a set period. ELSS funds have a 3-year lock-in, and close-ended funds can be exited before maturity only by selling units on the stock exchange.
What is the difference between direct and regular mutual funds?
Both plans of a scheme hold the same portfolio and have the same fund manager. A direct plan is bought straight from the fund house, with no distributor, so it has a lower expense ratio and a higher NAV. A regular plan is bought through a distributor, who is paid a commission from the scheme’s expenses, so its expense ratio is higher.