Top-Rated-Funds

Best Mutual Funds

We know how the star-rating system helps folks in their decision-making about anything. That’s why Value Research ranks mutual funds on several criteria to help you choose the best funds.
The mutual fund ranking system of Value Research gives
...  a quick measure of how a fund has performed in the past when compared to its peers, with five being the highest rating and one being the lowest. It takes into account the risk, returns, expense ratio and other relevant factors to arrive at such ratings. This ranking system will help you find the best performing mutual funds in India. What’s more, you can also export your results and search in excel.
So what are you waiting for? Check out the best rated mutual funds.
  Read more

Funds
Rating
Riskometer
Return
Category
VR Opinion
Ret(₹ 1lakh)
RETURN %
SIP Ret (₹ 10K/M)
RETURN %
Exp. Ratio
4 star
Very High
Avg.

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1,39,242
39.24
1,45,413
41.65
0.91
4 star
Very High
Above Avg.

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1,39,316
39.32
1,47,301
44.91
0.92
4 star
Very High
Above Avg.

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1,31,979
31.98
1,40,663
33.54
0.51
4 star
Very High
High

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1,43,007
43.01
1,46,890
44.20
0.40
4 star
Very High
Above Avg.

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1,35,439
35.44
1,42,586
36.81
0.80
4 star
Very High
High

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1,38,696
38.70
1,44,853
40.69
1.08
5 star
Very High
High

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1,73,255
73.26
1,69,102
84.00
0.08
5 star
Very High
Above Avg.

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1,40,266
40.27
1,47,454
45.17
0.92
4 star
Very High
Above Avg.

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1,39,432
39.43
1,45,329
41.50
0.78
5 star
Very High
Avg.

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1,45,270
45.27
1,52,716
54.37
1.75
4 star
Very High
Above Avg.

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1,31,613
31.61
1,40,817
33.80
0.59
4 star
Very High
Above Avg.

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1,33,884
33.88
1,41,624
35.17
0.73
4 star
Very High
Above Avg.

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1,37,272
37.27
1,43,604
38.55
0.03
5 star
Very High
High

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1,43,368
43.37
1,46,649
43.78
0.82
5 star
Very High
High

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1,55,994
55.99
1,58,769
65.15
0.76
4 star
Very High
Above Avg.

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1,25,976
25.98
1,34,297
22.90
0.86
4 star
Very High
Above Avg.

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1,32,272
32.27
1,40,520
33.30
0.63
4 star
Very High
Above Avg.

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1,34,845
34.84
1,42,781
37.14
1.15
4 star
Very High
Above Avg.

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1,42,794
42.79
1,45,694
42.13
0.57
4 star
Very High
Above Avg.

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1,52,901
52.90
1,55,572
59.43
0.74
4 star
Very High
High

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1,50,147
50.15
1,50,377
50.26
0.83
5 star
Very High
Above Avg.

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1,43,988
43.99
1,49,514
48.75
0.83
4 star
Very High
Avg.

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1,40,238
40.24
1,45,151
41.20
0.53
4 star
Very High
Above Avg.

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1,53,119
53.12
1,54,077
56.78
0.41
4 star
Very High
Above Avg.

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1,40,656
40.66
1,45,604
41.98
0.62
5 star
Very High
Above Avg.

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1,51,356
51.36
1,52,686
54.32
0.50
5 star
Very High
High

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1,59,874
59.87
1,62,618
72.10
0.75
4 star
Very High
Above Avg.

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1,35,063
35.06
1,41,423
34.83
0.77
5 star
Very High
High

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1,38,140
38.14
1,43,047
37.59
0.92
4 star
Very High
High

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1,60,010
60.01
1,60,075
67.50
0.94
4 star
Very High
Above Avg.

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1,35,559
35.56
1,40,545
33.34
0.72
4 star
Very High
Above Avg.

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1,41,088
41.09
1,47,286
44.88
0.46
4 star
Very High
Above Avg.

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1,45,214
45.21
1,49,077
47.99
1.04
4 star
Very High
Above Avg.

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1,37,833
37.83
1,44,703
40.43
1.01
4 star
Very High
High

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1,43,275
43.28
1,48,498
46.98
0.83
4 star
Very High
High

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1,41,714
41.71
1,47,557
45.35
0.52
5 star
Very High
High

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1,41,363
41.36
1,44,978
40.90
0.68
4 star
Very High
Above Avg.

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1,44,423
44.42
1,49,652
48.99
0.58
5 star
Very High
Above Avg.

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1,48,610
48.61
1,53,514
55.78
0.79
5 star
Very High
High

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1,59,016
59.02
1,57,773
63.36
0.87
5 star
Very High
High

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1,60,041
60.04
1,59,410
66.30
0.58
4 star
Very High
High

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1,50,487
50.49
1,55,384
59.10
0.44
5 star
Very High
Above Avg.

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1,43,875
43.88
1,47,214
44.76
0.58
4 star
Very High
Above Avg.

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1,28,061
28.06
1,37,011
27.41
0.41
4 star
Very High
Above Avg.

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1,30,668
30.67
1,37,578
28.36
0.85
4 star
Very High
Above Avg.

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1,41,449
41.45
1,46,531
43.57
0.55
4 star
Very High
Above Avg.

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1,39,092
39.09
1,44,636
40.31
0.94
4 star
Very High
Above Avg.

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1,53,223
53.22
1,53,545
55.83
0.44
4 star
Very High
Above Avg.

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1,58,348
58.35
1,54,688
57.86
0.78
4 star
Very High
Avg.

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1,37,867
37.87
1,43,276
37.98
0.38
5 star
Very High
High

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1,53,737
53.74
1,55,553
59.40
0.64
4 star
Very High
Above Avg.

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1,55,513
55.51
1,52,152
53.38
0.86
5 star
Very High
High

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1,63,753
63.75
1,62,653
72.17
0.76
4 star
Very High
Above Avg.

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1,38,657
38.66
1,42,311
36.34
0.84
5 star
Very High
Avg.

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1,44,262
44.26
1,45,489
41.78
0.53
4 star
Very High
Above Avg.

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1,51,234
51.23
1,46,961
44.32
0.77
4 star
Very High
Above Avg.

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1,51,853
51.85
1,48,397
46.81
0.40
4 star
Very High
Avg.

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1,53,585
53.59
1,49,611
48.92
0.68
4 star
Very High
Above Avg.

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1,47,676
47.68
1,46,024
42.70
0.61
4 star
Very High
High

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1,58,554
58.55
1,51,883
52.90
0.73
5 star
Very High
Above Avg.

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1,44,489
44.49
1,45,166
41.22
0.31
4 star
Very High
High

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1,46,086
46.09
1,48,968
47.80
0.66
5 star
Very High
Avg.

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1,43,353
43.35
1,49,698
49.08
1.02
4 star
Very High
Above Avg.

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1,63,201
63.20
1,59,761
66.93
1.39
4 star
Very High
Avg.

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1,49,732
49.73
1,53,933
56.52
0.65
5 star
Very High
High

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1,49,586
49.59
1,51,529
52.28
0.68
4 star
Very High
Above Avg.

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1,46,902
46.90
1,50,751
50.92
1.02
4 star
Very High
High

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1,41,126
41.13
1,44,927
40.81
0.59
5 star
Very High
High

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1,53,904
53.90
1,56,131
60.42
1.21
4 star
Very High
Avg.

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1,33,496
33.50
1,41,462
34.90
0.57
4 star
Very High
Above Avg.

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1,42,176
42.18
1,48,120
46.33
0.68
4 star
Very High
Above Avg.

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1,45,858
45.86
1,50,484
50.45
1.14
4 star
Very High
Above Avg.

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1,37,365
37.37
1,43,765
38.82
0.55
4 star
Very High
Above Avg.

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1,36,696
36.70
1,42,945
37.42
0.59
4 star
Very High
Above Avg.

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1,52,956
52.96
1,55,305
58.95
0.65
5 star
Very High
Above Avg.

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1,35,769
35.77
1,44,424
39.95
0.73
5 star
Very High
High

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1,59,668
59.67
1,59,948
67.27
0.76
5 star
Very High
Above Avg.

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1,59,189
59.19
1,59,399
66.28
0.98
4 star
Very High
Above Avg.

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1,40,683
40.68
1,44,985
40.91
1.05
4 star
Very High
Above Avg.

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1,30,354
30.35
1,35,455
24.82
0.60
4 star
Very High
Above Avg.

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1,32,488
32.49
1,36,891
27.21
1.13
5 star
Very High
High

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1,39,467
39.47
1,40,887
33.92
0.80
4 star
Very High
Above Avg.

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1,27,267
27.27
1,32,261
19.56
0.51
4 star
Very High
Avg.

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1,60,818
60.82
1,57,674
63.18
0.97
4 star
Very High
High

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1,63,973
63.97
1,62,359
71.63
1.16
4 star
Very High
Above Avg.

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1,68,642
68.64
1,64,678
75.86
0.85
5 star
Very High
Avg.

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1,48,021
48.02
1,50,940
51.25
0.67
5 star
Very High
High

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1,78,395
78.40
1,79,041
102.65
0.77
4 star
Very High
Avg.

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1,63,650
63.65
1,60,401
68.09
1.56
5 star
Very High
Above Avg.

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1,64,882
64.88
1,61,172
69.48
1.05
4 star
Very High
High

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1,62,544
62.54
1,58,735
65.08
0.97
5 star
Very High
Above Avg.

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1,62,423
62.42
1,59,170
65.87
0.98
4 star
Very High
Avg.

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1,42,989
42.99
1,45,613
41.99
1.16
4 star
Very High
Above Avg.

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1,39,243
39.24
1,42,893
37.33
1.16
5 star
Very High
High

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1,34,904
34.90
1,38,942
30.64
1.02
4 star
Moderate
Above Avg.

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1,09,168
9.17
1,25,540
8.71
0.60
4 star
Moderate
Above Avg.

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1,08,130
8.13
1,24,945
7.76
0.41
4 star
Moderately High
Above Avg.

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1,09,107
9.11
1,25,233
8.22
0.79
5 star
Moderate
High

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1,08,159
8.16
1,24,846
7.60
1.25
5 star
Moderately High
High

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1,08,292
8.29
1,25,054
7.93
0.85
4 star
Moderately High
Above Avg.

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1,08,960
8.96
1,25,442
8.55
0.35
4 star
Moderate
Above Avg.

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1,08,719
8.72
1,25,279
8.29
0.40
4 star
Moderately High
Above Avg.

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1,08,328
8.33
1,25,063
7.95
0.74
5 star
Moderately High
High

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1,08,626
8.63
1,24,684
7.35
1.44
4 star
Moderate
Above Avg.

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1,08,228
8.23
1,25,046
7.92
0.38
4 star
Moderate
Above Avg.

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1,08,098
8.10
1,24,921
7.72
0.34
4 star
Moderate
Avg.

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1,08,441
8.44
1,25,005
7.86
0.38
4 star
Moderate
Above Avg.

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1,08,212
8.21
1,25,023
7.88
0.37
4 star
Moderate
Above Avg.

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1,08,501
8.50
1,25,147
8.08
0.45
4 star
Moderate
Above Avg.

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1,08,261
8.26
1,25,002
7.85
0.37
5 star
Moderate
High

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1,07,979
7.98
1,24,838
7.59
0.28
5 star
Moderate
High

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1,08,441
8.44
1,25,295
8.32
0.34
4 star
Moderate
Above Avg.

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1,07,811
7.81
1,24,796
7.52
0.40
4 star
Low to Moderate
Avg.

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1,07,672
7.67
1,24,712
7.39
0.29
4 star
Low to Moderate
Avg.

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1,07,834
7.83
1,24,794
7.52
0.25
4 star
Moderate
Avg.

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1,07,734
7.73
1,24,774
7.49
0.30
4 star
Low to Moderate
Above Avg.

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1,07,672
7.67
1,24,732
7.42
0.37
5 star
Low to Moderate
High

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1,07,536
7.54
1,24,638
7.27
0.33
5 star
Low to Moderate
High

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1,07,510
7.51
1,24,629
7.26
0.35
4 star
Moderate
Above Avg.

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1,07,682
7.68
1,24,779
7.50
0.33
4 star
Low to Moderate
Above Avg.

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1,07,594
7.59
1,24,701
7.37
0.30
5 star
Moderate
Above Avg.

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1,07,632
7.63
1,24,754
7.46
0.39
4 star
Low to Moderate
Below Avg.

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1,07,415
7.42
1,24,659
7.31
0.10
4 star
Low to Moderate
Below Avg.

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1,06,929
6.93
1,24,320
6.77
0.32
5 star
Moderate
High

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1,07,754
7.75
1,24,833
7.58
0.38
4 star
Low to Moderate
Avg.

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1,07,420
7.42
1,24,640
7.28
0.28
4 star
Low to Moderate
Avg.

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1,07,561
7.56
1,24,706
7.38
0.19
4 star
Moderate
High

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1,07,539
7.54
1,24,707
7.38
0.44
5 star
Moderate
High

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1,07,360
7.36
1,24,674
7.31
0.21
4 star
Low to Moderate
Above Avg.

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1,07,315
7.32
1,24,667
7.30
0.17
4 star
Low to Moderate
Above Avg.

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1,07,315
7.32
1,24,687
7.33
0.08
5 star
Low to Moderate
High

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1,07,302
7.30
1,24,659
7.28
0.19
4 star
Low to Moderate
Above Avg.

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1,07,304
7.30
1,24,661
7.29
0.12
4 star
Moderate
Above Avg.

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1,07,314
7.31
1,24,685
7.33
0.08
5 star
Low to Moderate
High

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1,07,349
7.35
1,24,697
7.34
0.15
4 star
Low to Moderate
Above Avg.

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1,07,306
7.31
1,24,664
7.30
0.12
4 star
Low to Moderate
Above Avg.

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1,07,311
7.31
1,24,655
7.28
0.13
4 star
Moderate
Above Avg.

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1,07,275
7.28
1,24,646
7.26
0.17
5 star
Low to Moderate
High

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1,07,340
7.34
1,24,690
7.33
0.08
4 star
Moderate
Above Avg.

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1,07,303
7.30
1,24,652
7.27
0.18
5 star
Moderate
High

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1,07,807
7.81
1,24,824
7.57
0.21
4 star
Low to Moderate
Above Avg.

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1,07,781
7.78
1,24,808
7.54
0.17
4 star
Moderate
Above Avg.

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1,07,725
7.72
1,24,771
7.48
0.23
4 star
Moderate
Above Avg.

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1,07,739
7.74
1,24,766
7.48
0.21
4 star
Moderate
Above Avg.

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1,07,727
7.73
1,24,801
7.53
0.25
5 star
Low to Moderate
High

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1,07,902
7.90
1,24,896
7.68
0.16
4 star
Low to Moderate
Above Avg.

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1,07,720
7.72
1,24,776
7.49
0.20
4 star
Low
Above Avg.

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1,06,796
6.80
1,24,363
6.82
0.08
5 star
Low
High

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1,06,816
6.82
1,24,378
6.84
0.05
5 star
Low
High

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1,06,857
6.86
1,24,409
6.89
0.09
4 star
Low
Above Avg.

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1,06,797
6.80
1,24,363
6.82
0.09
4 star
Low
Above Avg.

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1,06,811
6.81
1,24,368
6.83
0.06
4 star
Low
Above Avg.

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1,06,801
6.80
1,24,364
6.82
0.06
4 star
Low
Above Avg.

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1,06,800
6.80
1,24,360
6.82
0.08
5 star
Low
High

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1,06,811
6.81
1,24,372
6.84
0.08
4 star
Low
Above Avg.

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1,06,809
6.81
1,24,370
6.83
0.08
5 star
Moderate
High

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1,08,618
8.62
1,25,404
8.49
0.64
4 star
Moderate
Avg.

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1,08,183
8.18
1,25,216
8.19
0.23
4 star
Moderate
Above Avg.

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1,08,988
8.99
1,25,593
8.79
0.69
5 star
Moderate
High

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1,08,849
8.85
1,25,366
8.43
0.53
4 star
Moderate
Avg.

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1,08,735
8.73
1,26,276
9.88
0.14
4 star
Moderate
Avg.

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1,09,263
9.26
1,26,063
9.54
0.35
4 star
Moderate
Above Avg.

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1,09,974
9.97
1,25,804
9.13
0.61
4 star
Moderate
Above Avg.

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1,08,129
8.13
1,25,083
7.98
0.33
4 star
Moderate
Above Avg.

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1,08,295
8.29
1,25,067
7.95
0.30
4 star
Low to Moderate
Avg.

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1,07,557
7.56
1,24,555
7.14
0.29
5 star
Moderate
High

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1,08,164
8.16
1,24,924
7.73
0.32
5 star
Moderate
High

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1,08,400
8.40
1,25,108
8.02
0.34
4 star
Moderate
Above Avg.

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1,07,795
7.79
1,24,713
7.39
0.29
4 star
Moderate
Above Avg.

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1,08,090
8.09
1,24,987
7.83
0.31
5 star
Moderately High
Above Avg.

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1,08,489
8.49
1,25,288
8.30
0.79
5 star
Moderately High
High

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1,17,181
17.18
1,31,542
18.38
0.41
4 star
High
Above Avg.

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1,09,148
9.15
1,25,308
8.34
0.91
4 star
Moderately High
Above Avg.

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1,07,856
7.86
1,24,780
7.50
0.90
4 star
Moderate
Above Avg.

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1,07,835
7.84
1,24,826
7.57
0.38
4 star
Moderate
Avg.

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1,07,665
7.67
1,24,530
7.10
0.33
4 star
Moderate
Above Avg.

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1,07,970
7.97
1,24,897
7.68
0.39
5 star
Moderate
High

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1,08,199
8.20
1,24,970
7.80
0.39
5 star
Moderate
High

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1,07,704
7.70
1,25,108
8.02
0.15
4 star
Moderate
High

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1,08,107
8.11
1,24,988
7.83
0.37
4 star
Moderate
Avg.

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1,07,582
7.58
1,24,579
7.18
0.21
5 star
Low to Moderate
Above Avg.

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1,07,934
7.93
1,24,847
7.60
0.23
4 star
Low to Moderate
Above Avg.

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1,08,360
8.36
1,25,105
8.01
0.23
4 star
Moderate
Above Avg.

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1,08,166
8.17
1,24,972
7.80
0.26
4 star
Low to Moderate
Below Avg.

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1,07,719
7.72
1,24,786
7.51
0.35
4 star
Moderate
Above Avg.

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1,10,462
10.46
1,26,889
10.86
0.56
5 star
Moderate
High

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1,09,443
9.44
1,25,575
8.76
0.56
4 star
Moderate
Above Avg.

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1,09,596
9.60
1,25,904
9.28
0.46
4 star
Moderate
Above Avg.

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1,09,596
9.60
1,25,904
9.28
0.40
4 star
Moderate
Avg.

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1,09,782
9.78
1,26,344
9.99
0.45
5 star
Moderate
High

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1,10,095
10.10
1,25,878
9.24
0.47
4 star
Moderate
Avg.

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1,08,757
8.76
1,25,620
8.83
0.68
4 star
Very High
High

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1,47,413
47.41
1,50,335
50.19
1.38
4 star
Very High
Above Avg.

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1,33,688
33.69
1,42,749
37.09
0.56
4 star
Very High
Avg.

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1,27,393
27.39
1,37,628
28.44
0.64
5 star
Very High
Above Avg.

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1,35,684
35.68
1,43,028
37.56
0.21
4 star
Very High
Avg.

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1,33,358
33.36
1,42,138
36.04
1.19
5 star
Very High
Above Avg.

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1,30,735
30.73
1,37,981
29.03
0.94
5 star
Very High
Above Avg.

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1,31,557
31.56
1,39,177
31.04
0.94
5 star
Very High
High

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1,38,988
38.99
1,46,599
43.69
1.03
4 star
Very High
Above Avg.

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1,48,834
48.83
1,51,134
51.59
0.89
4 star
Very High
High

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1,51,164
51.16
1,55,662
59.59
0.61
4 star
Very High
Above Avg.

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1,26,949
26.95
1,37,135
27.62
0.46
4 star
Very High
Above Avg.

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1,34,152
34.15
1,41,532
35.02
0.50
5 star
Very High
High

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1,39,843
39.84
1,49,103
48.04
0.75
5 star
Very High
High

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1,36,753
36.75
1,40,757
33.70
0.88
4 star
Very High
Above Avg.

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1,26,253
26.25
1,35,124
24.27
1.07
4 star
Very High
Above Avg.

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1,32,725
32.72
1,40,307
32.94
1.29
4 star
Moderate
Avg.

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1,13,292
13.29
1,28,328
13.17
0.66
4 star
Moderately High
Above Avg.

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1,18,271
18.27
1,31,699
18.64
1.26
4 star
Moderately High
Avg.

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1,15,043
15.04
1,29,329
14.78
0.95
5 star
Moderately High
Above Avg.

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1,16,477
16.48
1,29,717
15.41
0.57
4 star
Moderately High
Above Avg.

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1,15,148
15.15
1,29,576
15.18
0.91
5 star
Moderately High
High

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1,19,235
19.24
1,32,458
19.88
0.50
5 star
High
Above Avg.

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1,15,652
15.65
1,29,389
14.88
0.62
4 star
High
High

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1,21,450
21.45
1,33,073
20.89
0.87
4 star
Moderately High
Avg.

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1,13,409
13.41
1,27,950
12.56
0.93
4 star
High
Above Avg.

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1,17,616
17.62
1,30,330
16.41
1.16
5 star
Moderate
Avg.

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1,17,981
17.98
1,31,542
18.38
0.59
4 star
Moderately High
Above Avg.

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1,22,586
22.59
1,34,371
23.03
0.61
4 star
Low to Moderate
Avg.

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1,11,700
11.70
1,27,204
11.36
0.50
5 star
Moderately High
Above Avg.

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1,20,084
20.08
1,33,522
21.63
0.77
4 star
Moderately High
High

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1,19,520
19.52
1,32,047
19.21
0.31
4 star
Moderately High
Above Avg.

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1,21,660
21.66
1,32,336
19.68
0.67
4 star
Moderate
Above Avg.

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1,19,349
19.35
1,31,996
19.12
0.71
4 star
Low
Above Avg.

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1,08,202
8.20
1,25,303
8.33
0.35
4 star
Low
Above Avg.

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1,08,083
8.08
1,25,261
8.26
0.31
5 star
Low
High

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1,08,331
8.33
1,25,391
8.47
0.39
5 star
Low
High

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1,08,332
8.33
1,25,376
8.44
0.37
4 star
Low
Above Avg.

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1,08,436
8.44
1,25,458
8.58
0.43
4 star
Low
Above Avg.

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1,08,254
8.25
1,25,312
8.34
0.39
5 star
Low
High

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1,08,277
8.28
1,25,344
8.39
0.30
4 star
Very High
Above Avg.

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1,26,371
26.37
1,37,817
28.76
0.52
4 star
High
Above Avg.

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1,28,933
28.93
1,38,040
29.13
0.53
5 star
Very High
High

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1,41,341
41.34
1,47,083
44.53
0.75
5 star
High
High

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1,28,060
28.06
1,36,721
26.92
0.26
4 star
High
Above Avg.

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1,22,137
22.14
1,35,039
24.13
0.87
4 star
High
Avg.

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1,22,665
22.67
1,35,229
24.44
0.61
4 star
High
Above Avg.

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1,24,756
24.76
1,36,293
26.21
0.30
4 star
High
Below Avg.

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1,19,039
19.04
1,32,001
19.13
0.37
5 star
High
Avg.

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1,22,608
22.61
1,34,383
23.05
0.16
4 star
Very High
Above Avg.

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1,31,612
31.61
1,40,152
32.68
0.74
4 star
Very High
Above Avg.

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1,34,049
34.05
1,39,314
31.27
0.35
5 star
Very High
High

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1,45,702
45.70
1,54,621
57.74
0.71
4 star
Very High
Avg.

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1,29,831
29.83
1,37,227
27.77
0.62
4 star
Very High
Above Avg.

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1,28,280
28.28
1,38,974
30.70
0.40
4 star
High
Above Avg.

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1,11,340
11.34
1,24,381
6.87
0.17
4 star
High
Avg.

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1,10,995
10.99
1,23,830
5.99
0.18

How to pick the best-performing mutual funds in India?

  • Financial goals: Before embarking on your mutual funds investment journey, define your financial goals. Check how much you would need to meet each goal and when you need the money. It will help you select the appropriate fund.

  • Risks and asset allocation: Always remember that returns and risks are related. While some assets have higher risks, some have lower risks. To balance return and risks while meeting your financial goals, opt for asset allocation. Consider your risk appetite and investment horizons while selecting the right mutual funds for your individual goals.

  • Investment horizon and investment objective: Do you want to invest for a long-term goal? Do you want consistent growth in your invested money? Your investment horizon and investment objective will help you select the best mutual fund in India. For long-term goals and capital appreciation, opt for equity funds, while select debt mutual funds if your investment horizon is short- or medium-term and your investment objective is to get regular income.

  • Track record of the fund house and its fund manager: Before making investments in a scheme, check its long-term performance record and also the track record of its fund manager and the fund house.

  • Expense ratio: Always opt for funds with a low expense ratio, as it will make a significant difference in your total returns. Especially if you invest in exchange-traded funds (ETFs) or index funds, the expense ratio should be taken into consideration.

  • Taxation: You should know the tax impact on your investments before you start your investments. The following tables will provide you with a better understanding of taxation in mutual fund schemes.

    taxation on mutual funds

The fund-rating methodology at Value Research

  • Rating process of Value Research: Our rating system helps measure both risk and returns. A purely quantitative model, it does not have any subjective component. Also, this assessment does not shed light on a fund's future potential. Consider our rating system as a summary of a fund's historical performance as compared to its peers.

  • Assessment: When it comes to hybrid and equity funds, we combine the fund ratings for two different periods (three and five years mainly) to provide a single assessment of its risk rating as against other funds in every fund category. For debt funds, we provide ratings on the basis of their 18-month weekly risk-adjusted performance as compared to peers.

  • Fund risk grade at Value Research: Our fund risk grade intends to capture a fund's risk of loss. We express a fund's relative performance as a risk score. Here is a glimpse of a fund's risk score.

    High Top 10%
    Above Average Next 22.5%
    Avarage Middle 35%
    Below Avarage Next 22.5%
    Low Bottom 10%
  • Fund return grade at Value Research: Our fund return grade aims at capturing the risk-adjusted return of a fund as compared to its peers. We assign a fund's return score based on the following distribution:

    High Top 10%
    Above Average Next 22.5%
    Avarage Middle 35%
    Below Avarage Next 22.5%
    Low Bottom 10%
  • Value Research fund rating: We determine the Value Research Fund Rating, which is basically a risk-adjusted rating, by subtracting a fund's risk score from the return score. Here is a glimpse of our rating system.

    fund rating

Mutual funds tools offered by Value Research

  • Portfolio planner: With our Portfolio Planner, identify new investments that are customised to your financial goals.

  • Fund screener: With our Fund Screener tool, you can filter funds on the basis of your criteria.

  • Fund compare: Use this tool for an in-depth comparison of up to five funds across various categories.

  • SIP calculator: Our mutual fund SIP calculator will enable you to identify SIP returns of funds at any period.

  • Point-to-point returns: Get a detailed view of how your fund has performed in a specific time period.

  • New fund offers: Use the tool to know the category and type of new fund, issue open and close dates, minimum investment amount, tenure, maturity date and term.

  • Fund monitor: Our mutual fund monitor tool will provide you with the returns of all the fund categories, like equity, debt, hybrid and commodities, across time periods.

  • Best mutual funds: Get a comprehensive list of funds highly rated by our rating system.

  • Forthcoming dividends: This tool helps you identify the best dividend funds and the schemes that are declaring dividends soon.

  • Analysts' Choice: It will enable you to get exclusive analysis as well as guidance on choosing a fund that can cater to your specific investment requirement.

Know more about mutual funds

A mutual fund is an investment avenue where several investors come and pool their funds. Then, this pooled fund is invested by the fund manager across different assets, including debt, equity and others, to generate returns. Whatever gains or losses are generated from the investments are distributed among investors based on the proportion of their investment share.

Advantages of mutual funds

  • Security and transparency: Following the introduction of SEBI guidelines, all mutual schemes have been labelled based on the risks associated with them. This helps investors assess the risk aspect before investments.

  • Low cost: Mutual funds in India are affordable. Fund management fees imposed by AMCs are only 1–2 per cent. With these lower fees, you can get higher returns by investing in a mutual fund.

  • Liquidity: You can purchase and sell funds quickly. Liquidity is another positive aspect when it comes to investing in these funds. Having said that, some mutual funds like ELSS come with a specific lock-in period.

  • Managed by experts: Mutual funds in India are managed by professional fund managers appointed by AMCs. These professionals have expertise in identifying the best stocks and maximising returns.

  • Small contributions: You do not need to spend much to invest in mutual fund schemes. You can begin your investments with as low as Rs 500. Also, based on your budget, you can make lump-sum investments or start your SIP investments.

  • Diversification: In mutual funds, the pooled money is invested in several stocks across sectors. Therefore, even if one asset class incurs a loss, it can be compensated by other asset classes. Diversification ultimately reduces the risks of your investments.

  • Easily accessible: Your journey to mutual fund investments can start from anywhere. You can start your investment journey by visiting various channels, including:

    • Through the AMC
    • Registrars like CAMS
    • Brokerage firms
    • Online platforms
    • Agents
  • Funds for all financial goals: Given the availability of mutual funds with varied time horizons, you can invest for both your short- and long-term goals.

  • Tax saving: If you invest in mutual funds in India, you will enjoy tax benefits. ELSS funds provide a tax exemption of Rs 1.5 lakh under Section 80C. Also, ELSS funds yield higher returns than those of conventional tax-saving instruments, including the NPS, PPF and so on.

  • Low lock-in period: The lock-in period of tax-saving mutual funds or ELSS is only three years. As compared to other tax-saving options like the PPF and the NPS, it is the lowest.

Ways to invest in mutual fund scheme

  • Lump sum: If you make a one-time investment, it means you have made a lump-sum investment. These investments are usually made when people receive a large amount of money.

  • SIP: If you want to invest a fixed amount of money at regular intervals, then opt for the SIP route. Given its convenience, the SIP investment route is often recommended by experts. Besides, the SIP mode helps in averaging out the cost.

Types of mutual funds

Mutual funds in India invest in various asset classes, and based on that, they are classified into several categories. The following are some popular categories:

  • Equity funds

    Large-cap funds Of their assets, 80 per cent is invested in the top 100 companies by their market cap. Mid-cap funds Of their assets, at least 65 per cent are invested in companies ranked 101st to 250th by their market capitalisation.
    Small-cap funds Of their total assets, at least 65 per cent is invested in companies ranked 251st and above by their market cap. Multi-cap funds Of their total assets, at least 25 per cent is invested in large, mid and small caps.
  • Debt funds

    For debt funds, the source of generating returns is to buy debt papers of corporates and the government. Here are some popular debt funds:

    Money market funds These debt funds invest in debt securities with short maturities and less credit risks. Overnight funds These open-ended debt funds invest in overnight assets or securities with a one-day maturity.
    Corporate bond funds Of their total assets, 80 per cent is invested in corporate bonds. Liquid funds These debt funds invest in instruments maturing in 91 days.
  • Hybrid funds

    These funds invest in various assets, including debt and equity. Based on their asset allocation across different assets, these funds are divided into various categories.

    Aggressive hybrid funds Of its total assets, they invest at least 65 per cent in equity. Multi-asset allocation funds Of their total assets, at least 10 per cent is invested in gold, debt and equity.
    Dynamic asset-allocation funds Based on their pre-decided asset-allocation framework, these funds adjust their allocation across asset classes. Arbitrage funds These funds get returns by leveraging price differences of securities in various markets.

Mutual funds: Frequently Asked Questions

The NAV of a mutual fund stands for Net Asset Value. A mutual fund scheme's NAV per unit signifies its performance. It is calculated by dividing the complete value of all securities and cash in a mutual fund's portfolio, without any liabilities, with the number of outstanding shares.

Mutual funds pool money from investors. Based on their share of investments in the pooled assets, investors are given units. Then, the pooled money is invested in different types of assets by fund managers. The intent of the fund manager is to maximise returns for investors. Unitholders or investors receive gains or losses generated by the fund based on their investment proportions.

The risk-return profiles of funds vary. So, you must select a fund on the basis of your risk appetite and investment time horizon. In other words, you need to strike a balance between your risk-taking capabilities and the risk aspect of the fund you are going to invest in. Generally, for short-term goals, which are less than three years away, investing in debt funds is suggested. On the other hand, equity funds are suggested if your goals are at least five years away.

You need to pay tax on your gains while withdrawing your investments. Gains from both debt and equity funds are subject to tax. Based on the holding period, all mutual fund gains are categorised as long-term capital gains (LTCG) and short-term capital gains (STCG). For debt funds, gains sold after three years of investments are classified as LTCG and gains sold after one year are classified as STCG.

When it comes to investing in mutual fund schemes, you can follow several routes. You can visit the website of the fund house and invest there directly. Alternatively, there are several investing apps available which can help you invest in direct funds. Here, it is important to note that you should opt for direct mutual funds instead of regular plans, as they do not charge any commission. So, it will have an impact on the fund's returns.

By using the mutual fund calculator, investors can get an estimate of the maturity amount at the end of the investment period. It is very easy to use Value Research's online investment calculator. It will give you the exact number of time period required to accumulate a specified corpus. For example, you are planning to invest Rs 10,000 every month to accumulate Rs 50 lakh. With our investment calculator, you will be able to know the time you will require to achieve the goal.

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