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Top 3 Mutual Funds to invest in India (2025)
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There are thousands of mutual funds available for investment in India. However, choosing the top 3 mutual funds in India is not a simple task. In order to find the best mutual funds, you must evaluate them based on your goals' time horizon and risk tolerance.
The three main types of mutual funds are debt, hybrid, and equity. For long-term growth, the equity funds are undoubtedly the most popular among them.
Large-cap funds are seen as being comparatively stable among equity funds since they make investments in big, established, and financially sound businesses.
When compared with mid-cap or small-cap equities, these companies have historically displayed a comparatively lower level of volatility.
Some funds are more risk averse while others aim to achieve high returns even if at a higher risk. These assets are very volatile and could result in losses. For long-term capital appreciation, large-cap funds are a suitable choice.
In contrast to mid or small-cap funds, these funds are relatively safer because they invest in established firms.
As of 2024-2025, some of the best large-cap mutual funds have been performing really well, offering great returns.
List of Top 3 Mutual Funds in India in 2025
1. Nippon India Large Cap Fund Direct-Growth
|
Return or Risk |
Volatility Protection |
Return Outperformance |
|
Performing poorly in its category |
Ranks lower in protecting against volatility |
Over the past 10 years, this fund has produced the highest return among large-cap funds. |
Fund Details
|
Fund House |
Nippon India Mutual Fund |
|
Launch Date |
01 Jan 2013 |
|
Expense Ratio |
0.73% as of Feb 28, 2025 |
|
Benchmark |
BSE 100 TRI |
|
Min. Investment |
SIP- Rs.500 and Lump- Rs.1000 |
|
Risk |
Very High |
|
3 Year Returns |
69.58% |
|
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 |
97.77% |
|
Debt |
0.01% |
|
Other |
2.22% |
Top 3 Stock Holdings
|
Company |
Holdings |
|
HDFC Bank Ltd. |
9.02% |
|
Reliance Industries Ltd. |
6.4% |
|
ICICI Bank Ltd. |
5.97% |
2. SBI Bluechip Direct Plan-Growth
|
Return or Risk |
Exit Load |
Return Outperformance |
|
20% more returns for every unit. |
1% if redeemed within 12 months |
Over the past ten years, this product has produced the highest return among large-cap funds. |
Fund Details
|
Fund House |
SBI Mutual Fund |
|
Launch Date |
01 Jan 2013 |
|
Expense Ratio |
0.83% as of Feb 28, 2025 |
|
Benchmark |
BSE 100 TRI |
|
Min. Investment |
Lump- Rs.5000 and SIP- Rs.500 |
|
Risk |
Very High |
|
3 Year Returns |
44.8% |
|
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 |
95.57% |
|
Debt |
1.05% |
|
Other |
3.38% |
Top 3 Stock Holdings
|
Company |
Holdings |
|
HDFC Bank Ltd. |
9.56% |
|
ICICI Bank Ltd. |
7.4% |
|
Larsen & Toubro Ltd. |
5.37% |
3. HDFC Large Cap Fund Direct Plan-Growth
|
Return or Risk |
Chance |
Return Outperformance |
|
20% more returns for every unit. |
70% of the time it has produced an annual return of 11.25% if held for at least 5 years |
Over the past 10 years, this product has produced the highest return among large cap funds. |
Fund Details
|
Fund House |
HDFC Mutual Fund |
|
Launch Date |
01 Jan 2013 |
|
Expense Ratio |
1.01% as of Jan 31, 2025 |
|
Benchmark |
Nifty 100 TRI |
|
Min. Investment |
Lump- Rs.1000 and SIP- Rs.500 |
|
Risk |
Very High |
|
3 Year Returns |
56.72% |
|
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 |
99.27% |
|
Debt |
0% |
|
Other |
0.73% |
Top 3 Stock Holdings
|
Company |
Holdings |
|
HDFC Bank Ltd. |
9.58% |
|
ICICI Bank Ltd. |
9.27% |
|
Larsen & Toubro Ltd. |
6.07% |
Conclusion
The top 3 mutual funds (2025) are SBI Bluechip, Nippon India Large Cap, and HDFC Large Cap mutual funds, which have performed well over the last years. The funds yield high returns but come with very high risk, hence the investors are advised to choose according to their goals. Proper research is recommended along with consulting a financial advisor before making these investments.
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
The NAV of this fund is Rs.1,096.8 as of Feb 28, 2025.
Below are some top mutual funds selected on the criteria of returns
- HDFC Large Cap Fund Direct Plan-Growth
- SBI Bluechip Direct Plan-Growth
- Nippon India Large Cap Fund Direct-Growth
No, this fund has no lock in.
