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Best 3 Performing Mutual Funds to Invest in India
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A mutual fund is one of the most common investment options for people among others. In India, there are thousands of mutual funds that one can invest in. It is not an easy task, however, to select the best 3 Performing mutual funds in India or to decide which mutual fund is the best. If you are looking for the best mutual funds, you need to analyze them according to your risk profile and the time horizon of your goals.
Risk profile is defined as the willingness and ability to take risks. The time horizon of your goals is the period of time you plan to hold an investment for a specific purpose, and this also becomes important.
List of Top 3 Mutual Funds in 2025
Below is the list of top 3 mutual funds in India in 2025 discussed below-
1. Motilal Oswal Midcap Fund Direct-Growth
|
Return or Risk |
Volatility Protection |
Return Outperformance |
|
Performing poorly in its category |
Ranks lower in protecting against volatility |
Over the past ten years, this product has produced the highest return among mid-cap funds. |
Fund Details
|
Fund House |
Motilal Oswal Mutual Fund |
|
Launch Date |
03 Feb 2014 |
|
Expense Ratio |
0.65% as of Jan 31, 2025 |
|
Benchmark |
NIFTY Midcap 150 TRI |
|
Min. Investment |
SIP- Rs.500 and Lump- Rs.1000 |
|
Risk |
Very High |
|
1 Year Returns |
21.98% |
|
Short Term Capital Gains (STCG) |
20% if redeemed earlier than 12 months |
|
Long Term Capital Gains (LTCG) |
After 12 months, 12.5% tax on gains of Rs.1.25 lac + in a financial year |
Asset Allocation of Equity
|
Asset |
Percentage (%) |
|
Equity |
75.62% |
|
Debt |
- |
|
Other |
24.38% |
Top 3 Stock Holdings
|
Company |
Holdings |
|
Persistent Systems Ltd. |
9.85% |
|
Coforge Ltd. |
9.62% |
|
Kalyan Jewellers India Ltd. |
7.19% |
2. Quant Small Cap Fund Direct Plan-Growth
|
Return or Risk |
Volatility Protection |
Return Outperformance |
|
20% more returns for every unit. |
Ranks lower against volatility protection in its category |
Over the past ten years, this product has produced the highest return among small-cap funds. |
Fund Details
|
Fund House |
Quant Mutual Fund |
|
Launch Date |
01 Jan 2013 |
|
Expense Ratio |
0.68% as of Jan 31, 2025 |
|
Benchmark |
NIFTY Smallcap 250 TRI |
|
Min. Investment |
Lump- Rs.5000 and SIP- Rs.1000 |
|
Risk |
Very High |
|
1 Year Returns |
-8.02% |
|
Short Term Capital Gains (STCG) |
20% if redeemed earlier than 12 months |
|
Long Term Capital Gains (LTCG) |
After 12 months, 12.5% tax on gains of Rs.1.25 lac + in a financial year |
Asset Allocation of Equity
|
Asset |
Percentage (%) |
|
Equity |
93.9% |
|
Debt |
1.27% |
|
Other |
4.85% |
Top 3 Stock Holdings
|
Company |
Holdings |
|
Reliance Industries Ltd. |
10.34% |
|
JIO Financial Services Ltd. |
5.05% |
|
Aegis Logistics Ltd. |
3.67% |
3. ICICI Prudential Infrastructure Direct-Growth
|
Return or Risk |
Chance |
Return Outperformance |
|
20% more returns for every unit. |
70% of the time it has produced an annual return of 12.14% if held for at least 5 years |
Over the past 10 years, this product has produced the highest return among sectoral-infrastructure funds. |
Fund Details
|
Fund House |
ICICI Prudential Mutual Fund |
|
Launch Date |
01 Jan 2013 |
|
Expense Ratio |
1.15% as of Jan 31, 2025 |
|
Benchmark |
BSE India Infrastructure TRI |
|
Min. Investment |
Lump- Rs.5000 and SIP- Rs.500 |
|
Risk |
Very High |
|
1 Year Returns |
4.6% |
|
Short Term Capital Gains (STCG) |
20% if redeemed earlier than 12 months |
|
Long Term Capital Gains (LTCG) |
After 12 months, 12.5% tax on gains of Rs.1.25 lac + in a financial year |
Asset Allocation of Equity
|
Asset |
Percentage (%) |
|
Equity |
93.3% |
|
Debt |
0.97% |
|
Other |
5.73% |
Top 3 Stock Holdings
|
Company |
Holdings |
|
Larsen & Toubro Ltd. |
9.24% |
|
Shree Cement Ltd. |
4.07% |
|
Adani Ports and Special Economic Zone Ltd. |
3.99% |
Conclusion
Mutual fund selection depends on the investors’ risk appetite along with their financial goals. All the above three funds have performed well within their categories. The above best 3 performing mutual funds have been sorted based on returns. However, research and review are important before investing in any of them. Invest wisely and seek professional advice where necessary.
Disclaimer: Not a buy or sell recommendation. No investment advice is given. Past returns do not guarantee future returns. This Mutual Funds analysis is provided solely for informative purposes and should not be considered investment advice. Always conduct research and talk with a financial advisor before investing.
Frequently Asked Questions
Motilal Oswal Midcap Fund with 21.98% has produced the highest return.
SBI mutual fund in terms of AUM.
Rs.181.36 as of 18 Feb 2025.
