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
Invest Online
4 star
Very High
Above Avg.

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1,30,116
30.12
1,41,708
37.20
1.01
Invest Online
4 star
Very High
Avg.

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1,36,409
36.41
1,46,576
46.03
0.91
Invest Online
4 star
Very High
Above Avg.

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1,36,458
36.46
1,48,115
48.86
0.92
Invest Online
4 star
Very High
Above Avg.

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1,28,709
28.71
1,40,944
35.83
0.51
4 star
Very High
High

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1,40,163
40.16
1,48,826
50.17
0.40
Invest Online
4 star
Very High
Above Avg.

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1,32,665
32.67
1,43,297
40.07
0.80
Invest Online
4 star
Very High
High

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1,36,118
36.12
1,45,617
44.28
1.08
Invest Now
5 star
Very High
High

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1,73,050
73.05
1,71,481
93.69
0.08
Invest Now
5 star
Very High
Above Avg.

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1,37,159
37.16
1,48,046
48.73
0.92
Invest Online
4 star
Very High
Above Avg.

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1,37,635
37.64
1,46,414
45.74
0.78
4 star
Very High
Avg.

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1,41,677
41.68
1,53,600
59.07
1.75
Invest Online
4 star
Very High
Above Avg.

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1,28,587
28.59
1,41,362
36.58
0.59
4 star
Very High
Above Avg.

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1,30,683
30.68
1,42,081
37.87
0.73
Invest Online
4 star
Very High
Above Avg.

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1,34,335
34.33
1,44,450
42.16
0.03
Invest Online
4 star
Very High
Avg.

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1,23,136
23.14
1,36,102
27.24
0.54
Invest Online
5 star
Very High
High

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1,39,739
39.74
1,46,657
46.18
0.82
5 star
Very High
High

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1,51,379
51.38
1,58,734
68.80
0.76
Invest Online
4 star
Very High
Above Avg.

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1,23,299
23.30
1,34,984
25.29
0.86
4 star
Very High
Above Avg.

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1,29,047
29.05
1,40,760
35.50
0.63
Invest Online
4 star
Very High
Above Avg.

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1,31,937
31.94
1,43,001
39.53
1.15
4 star
Very High
Above Avg.

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1,38,852
38.85
1,45,144
43.42
0.55
Invest Online
4 star
Very High
High

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1,48,051
48.05
1,52,222
56.48
0.83
Invest Now
4 star
Very High
Above Avg.

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1,42,602
42.60
1,51,185
54.55
0.83
Invest Online
5 star
Very High
Above Avg.

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1,37,280
37.28
1,45,237
43.59
0.53
4 star
Very High
Above Avg.

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1,51,265
51.26
1,56,474
64.49
0.41
Invest Online
4 star
Very High
Above Avg.

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1,38,428
38.43
1,46,193
45.33
0.62
Invest Online
5 star
Very High
Above Avg.

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1,49,072
49.07
1,52,758
57.49
0.50
5 star
Very High
High

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1,56,124
56.12
1,63,572
78.13
0.75
Invest Online
4 star
Very High
Above Avg.

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1,34,980
34.98
1,43,228
39.94
0.77
5 star
Very High
High

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1,34,341
34.34
1,43,169
39.83
0.92
Invest Online
4 star
Very High
High

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1,56,198
56.20
1,60,380
71.96
0.94
4 star
Very High
Above Avg.

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1,33,026
33.03
1,40,707
35.41
0.72
Invest Online Now
4 star
Very High
Above Avg.

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1,42,973
42.97
1,50,156
52.63
1.04
Invest Online Now
4 star
Very High
Above Avg.

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1,33,567
33.57
1,44,049
41.43
1.01
Invest Online
4 star
Very High
High

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1,41,229
41.23
1,49,709
51.80
0.83
Invest Online
4 star
Very High
High

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1,40,046
40.05
1,48,794
50.11
0.52
Invest Online
5 star
Very High
High

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1,38,912
38.91
1,45,421
43.92
0.68
Invest Now
4 star
Very High
Above Avg.

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1,41,116
41.12
1,49,191
50.85
0.58
Invest Now
5 star
Very High
Above Avg.

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1,46,536
46.54
1,53,676
60.72
0.79
Invest Now
5 star
Very High
High

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1,56,044
56.04
1,59,288
69.86
0.87
5 star
Very High
High

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1,56,795
56.80
1,60,023
71.27
0.58
4 star
Very High
High

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1,47,313
47.31
1,55,614
62.86
0.44
Invest Online
4 star
Very High
Above Avg.

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1,31,442
31.44
1,39,541
33.33
1.20
Invest Online
5 star
Very High
Above Avg.

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1,42,723
42.72
1,47,675
48.05
0.58
Invest Online
4 star
Very High
Above Avg.

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1,26,459
26.46
1,38,131
30.82
0.41
Invest Online
4 star
Very High
Above Avg.

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1,38,671
38.67
1,47,293
47.35
0.55
4 star
Very High
Above Avg.

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1,37,180
37.18
1,45,521
44.11
0.94
Invest Online
4 star
Very High
Above Avg.

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1,50,590
50.59
1,54,339
60.46
0.44
Invest Online
4 star
Very High
Above Avg.

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1,56,864
56.86
1,55,943
63.49
0.78
Invest Online
4 star
Very High
Avg.

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1,36,214
36.21
1,43,153
39.81
0.38
Invest Online
5 star
Very High
High

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1,53,739
53.74
1,54,315
60.41
0.64
Invest Online
4 star
Very High
Above Avg.

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1,55,103
55.10
1,54,874
61.47
0.86
5 star
Very High
High

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1,62,637
62.64
1,65,890
82.65
0.76
Invest Online
4 star
Very High
Above Avg.

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1,39,353
39.35
1,43,209
39.91
0.84
5 star
Very High
Above Avg.

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1,41,685
41.69
1,45,835
44.68
0.51
Invest Online
5 star
Very High
Above Avg.

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1,50,589
50.59
1,48,830
50.18
0.77
Invest Online
4 star
Very High
Above Avg.

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1,49,380
49.38
1,49,382
51.20
0.40
Invest Online
4 star
Very High
Avg.

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1,52,017
52.02
1,51,668
55.45
0.68
Invest Now
4 star
Very High
Above Avg.

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1,47,187
47.19
1,47,372
47.49
0.61
Invest Online
4 star
Very High
Above Avg.

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1,38,028
38.03
1,42,754
39.08
0.43
Invest Online
4 star
Very High
High

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1,56,840
56.84
1,52,991
57.92
0.73
Invest Online
4 star
Very High
Above Avg.

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1,46,457
46.46
1,47,618
47.95
0.31
Invest Online
4 star
Very High
High

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1,42,842
42.84
1,48,946
50.39
0.66
Invest Now
5 star
Very High
Avg.

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1,41,589
41.59
1,50,929
54.07
1.02
4 star
Very High
Above Avg.

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1,61,130
61.13
1,61,668
74.44
1.39
Invest Online
4 star
Very High
Avg.

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1,47,691
47.69
1,55,388
62.44
0.65
Invest Online
5 star
Very High
High

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1,49,467
49.47
1,53,395
58.68
0.68
Invest Online Now
4 star
Very High
Above Avg.

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1,46,837
46.84
1,52,575
57.14
1.02
Invest Online
5 star
Very High
High

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1,37,737
37.74
1,45,187
43.50
0.59
Invest Online
5 star
Very High
High

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1,51,619
51.62
1,57,120
65.72
1.21
Invest Online
4 star
Very High
Avg.

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1,30,595
30.60
1,41,670
37.13
0.57
4 star
Very High
Above Avg.

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1,40,677
40.68
1,49,438
51.30
0.68
Invest Online
4 star
Very High
Above Avg.

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1,44,278
44.28
1,52,159
56.36
1.14
Invest Online
5 star
Very High
Above Avg.

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1,34,619
34.62
1,44,093
41.51
0.55
Invest Online
4 star
Very High
Above Avg.

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1,34,062
34.06
1,43,251
39.98
0.59
Invest Online
4 star
Very High
Above Avg.

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1,50,463
50.46
1,55,693
63.01
0.65
Invest Online
5 star
Very High
Avg.

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1,35,416
35.42
1,45,595
44.24
0.73
Invest Online
4 star
Very High
Avg.

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1,23,479
23.48
1,34,661
24.72
0.73
5 star
Very High
High

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1,56,122
56.12
1,60,364
71.93
0.76
Invest Online
5 star
Very High
Above Avg.

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1,56,554
56.55
1,59,601
70.46
0.98
Invest Online
4 star
Very High
Above Avg.

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1,39,924
39.92
1,45,279
43.66
1.05
Invest Online
4 star
Very High
Above Avg.

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1,30,451
30.45
1,37,391
29.51
0.60
Invest Online
4 star
Very High
Above Avg.

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1,33,458
33.46
1,38,901
32.19
1.13
5 star
Very High
High

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1,40,509
40.51
1,43,451
40.34
0.80
Invest Online
4 star
Very High
Above Avg.

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1,28,135
28.14
1,34,684
24.76
0.51
Invest Online
4 star
Very High
Avg.

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1,56,400
56.40
1,58,377
68.12
0.97
Invest Now
4 star
Very High
High

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1,62,335
62.34
1,63,176
77.36
1.16
Invest Online
4 star
Very High
Above Avg.

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1,66,314
66.31
1,65,204
81.31
0.85
Invest Online
5 star
Very High
Above Avg.

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1,45,665
45.66
1,50,899
54.02
0.67
5 star
Very High
High

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1,73,885
73.89
1,78,357
107.52
0.77
Invest Online
4 star
Very High
Avg.

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1,60,891
60.89
1,60,843
72.85
1.56
Invest Now
5 star
Very High
Above Avg.

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1,63,315
63.31
1,62,683
76.40
1.05
4 star
Very High
High

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1,61,654
61.65
1,60,803
72.77
0.97
Invest Online
5 star
Very High
Above Avg.

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1,61,806
61.81
1,61,260
73.65
0.98
Invest Now
4 star
Very High
Avg.

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1,40,939
40.94
1,46,615
46.11
1.16
Invest Online
4 star
Very High
Above Avg.

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1,37,235
37.23
1,43,116
39.74
1.16
Invest Online
5 star
Very High
High

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1,33,766
33.77
1,40,228
34.55
1.02
Invest Now
4 star
Moderate
Above Avg.

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1,08,950
8.95
1,25,398
8.90
0.60
Invest Now
4 star
Moderate
Above Avg.

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1,08,017
8.02
1,24,739
7.80
0.41
Invest Online
4 star
Moderately High
Above Avg.

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1,08,780
8.78
1,25,136
8.46
0.79
Invest Online
5 star
Moderate
High

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1,07,868
7.87
1,24,726
7.78
1.25
Invest Online
5 star
Moderately High
High

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1,08,200
8.20
1,24,886
8.04
0.85
4 star
Moderately High
Above Avg.

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1,08,764
8.76
1,25,244
8.64
0.39
Invest Online
4 star
Moderate
Above Avg.

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1,08,511
8.51
1,25,098
8.40
0.40
Invest Now
4 star
Moderately High
Above Avg.

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1,08,189
8.19
1,24,852
7.99
0.74
Invest Online
5 star
Moderately High
High

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1,08,382
8.38
1,24,490
7.39
1.44
Invest Online
4 star
Moderate
Above Avg.

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1,08,096
8.10
1,24,840
7.97
0.38
4 star
Moderate
Above Avg.

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1,07,867
7.87
1,24,671
7.69
0.31
Invest Online
4 star
Moderate
Above Avg.

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1,08,036
8.04
1,24,775
7.86
0.37
Invest Now
4 star
Moderate
Above Avg.

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1,08,371
8.37
1,24,914
8.09
0.45
Invest Online
4 star
Moderate
Above Avg.

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1,07,990
7.99
1,24,705
7.74
0.37
5 star
Moderate
High

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1,07,748
7.75
1,24,567
7.51
0.28
Invest Online
5 star
Moderate
High

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1,08,228
8.23
1,25,018
8.26
0.34
Invest Online
4 star
Moderate
Above Avg.

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1,07,689
7.69
1,24,532
7.45
0.40
Invest Online
4 star
Low to Moderate
Above Avg.

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1,07,800
7.80
1,24,547
7.48
0.45
Invest Online
4 star
Low to Moderate
Avg.

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1,07,680
7.68
1,24,498
7.40
0.25
4 star
Moderate
Avg.

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1,07,615
7.61
1,24,503
7.41
0.30
Invest Online
4 star
Low to Moderate
Above Avg.

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1,07,564
7.56
1,24,468
7.35
0.37
5 star
Low to Moderate
High

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1,07,418
7.42
1,24,381
7.20
0.33
Invest Online
5 star
Low to Moderate
High

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1,07,405
7.40
1,24,382
7.21
0.35
4 star
Moderate
Above Avg.

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1,07,601
7.60
1,24,526
7.45
0.31
Invest Now
5 star
Moderate
Above Avg.

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1,07,526
7.53
1,24,480
7.37
0.39
4 star
Low to Moderate
Below Avg.

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1,07,357
7.36
1,24,430
7.29
0.10
Invest Online
4 star
Moderate
Avg.

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1,07,497
7.50
1,24,510
7.42
0.23
Invest Online
5 star
Moderate
High

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1,07,661
7.66
1,24,564
7.51
0.38
Invest Online
4 star
Low to Moderate
Avg.

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1,07,330
7.33
1,24,377
7.20
0.28
4 star
Low to Moderate
Avg.

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1,07,477
7.48
1,24,458
7.33
0.19
Invest Online
4 star
Moderate
Above Avg.

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1,07,580
7.58
1,24,543
7.47
0.31
Invest Online
4 star
Moderate
High

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1,07,443
7.44
1,24,450
7.32
0.44
Invest Online
5 star
Moderate
High

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1,07,306
7.31
1,24,439
7.28
0.21
4 star
Low to Moderate
Above Avg.

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1,07,253
7.25
1,24,428
7.26
0.15
Invest Online
4 star
Low to Moderate
Above Avg.

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1,07,255
7.26
1,24,451
7.30
0.08
Invest Online
5 star
Moderate
High

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1,07,238
7.24
1,24,422
7.25
0.19
Invest Online
4 star
Low to Moderate
Above Avg.

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1,07,245
7.24
1,24,430
7.26
0.12
Invest Online
4 star
Low to Moderate
Above Avg.

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1,07,243
7.24
1,24,437
7.27
0.08
5 star
Low to Moderate
High

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1,07,293
7.29
1,24,462
7.32
0.15
Invest Online
4 star
Low to Moderate
Above Avg.

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1,07,248
7.25
1,24,430
7.27
0.12
Invest Online
4 star
Low to Moderate
Above Avg.

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1,07,276
7.28
1,24,438
7.28
0.13
4 star
Moderate
Above Avg.

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1,07,222
7.22
1,24,412
7.23
0.17
5 star
Low to Moderate
High

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1,07,281
7.28
1,24,453
7.30
0.08
Invest Online
4 star
Moderate
Above Avg.

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1,07,249
7.25
1,24,419
7.24
0.18
Invest Online
5 star
Moderate
High

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1,07,689
7.69
1,24,536
7.46
0.21
4 star
Low to Moderate
Above Avg.

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1,07,662
7.66
1,24,533
7.46
0.21
Invest Online
4 star
Moderate
Above Avg.

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1,07,610
7.61
1,24,495
7.39
0.23
Invest Now
4 star
Moderate
Above Avg.

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1,07,623
7.62
1,24,498
7.40
0.21
Invest Online
5 star
Moderate
High

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1,07,621
7.62
1,24,528
7.45
0.25
Invest Online
4 star
Low to Moderate
Above Avg.

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1,07,622
7.62
1,24,461
7.34
0.20
Invest Online
5 star
Moderate
High

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1,07,794
7.79
1,24,623
7.61
0.16
Invest Online
4 star
Moderate
Above Avg.

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1,07,642
7.64
1,24,523
7.44
0.20
Invest Online
4 star
Low
Above Avg.

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1,06,778
6.78
1,24,164
6.82
0.08
5 star
Low
High

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1,06,797
6.80
1,24,177
6.84
0.05
Invest Online
5 star
Low
High

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1,06,836
6.84
1,24,206
6.89
0.09
Invest Online
4 star
Low
Above Avg.

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1,06,778
6.78
1,24,164
6.82
0.09
4 star
Low
Above Avg.

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1,06,792
6.79
1,24,168
6.84
0.06
Invest Online
4 star
Low
Above Avg.

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1,06,782
6.78
1,24,164
6.83
0.06
Invest Online
4 star
Low
Above Avg.

unlock premium

1,06,781
6.78
1,24,160
6.82
0.08
Invest Online
5 star
Low
High

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1,06,793
6.79
1,24,172
6.84
0.08
Invest Online
4 star
Low
Above Avg.

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1,06,790
6.79
1,24,170
6.83
0.08
Invest Online
5 star
Moderate
High

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1,08,512
8.51
1,25,317
8.76
0.64
4 star
Moderate
Above Avg.

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1,07,988
7.99
1,25,059
8.33
0.22
Invest Online
4 star
Moderate
Above Avg.

unlock premium

1,08,765
8.76
1,25,388
8.88
0.69
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High

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1,08,731
8.73
1,25,189
8.55
0.53
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1,08,784
8.78
1,26,189
10.22
0.14
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1,09,228
9.23
1,26,045
9.98
0.35
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1,09,523
9.52
1,25,717
9.43
0.61
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4 star
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1,08,015
8.01
1,24,840
7.97
0.33
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1,08,033
8.03
1,24,759
7.83
0.22
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1,07,349
7.35
1,24,281
7.04
0.29
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1,08,028
8.03
1,24,669
7.68
0.32
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1,08,128
8.13
1,24,783
7.87
0.34
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1,07,637
7.64
1,24,446
7.31
0.29
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1,07,896
7.90
1,24,705
7.74
0.31
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1,08,111
8.11
1,24,827
7.95
0.68
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1,08,509
8.51
1,25,073
8.36
0.79
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1,17,041
17.04
1,31,312
18.92
0.41
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1,08,963
8.96
1,25,044
8.31
0.91
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1,07,668
7.67
1,24,527
7.45
0.90
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1,07,672
7.67
1,24,562
7.50
0.38
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1,07,413
7.41
1,24,260
7.00
0.33
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1,07,764
7.76
1,24,616
7.59
0.39
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1,08,006
8.01
1,24,690
7.72
0.39
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1,07,671
7.67
1,24,915
8.09
0.15
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1,07,881
7.88
1,24,684
7.71
0.37
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1,07,354
7.35
1,24,328
7.12
0.21
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1,07,810
7.81
1,24,553
7.49
0.23
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1,08,262
8.26
1,24,842
7.97
0.23
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1,08,030
8.03
1,24,677
7.70
0.26
4 star
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1,07,629
7.63
1,24,543
7.47
0.35
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1,10,438
10.44
1,27,015
11.61
0.56
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1,09,320
9.32
1,25,421
8.94
0.56
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1,09,477
9.48
1,25,865
9.68
0.46
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1,09,478
9.48
1,25,866
9.68
0.40
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1,09,706
9.71
1,26,398
10.58
0.45
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1,09,702
9.70
1,25,838
9.64
0.47
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1,08,587
8.59
1,25,575
9.20
0.68
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1,44,220
44.22
1,50,421
53.13
1.38
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1,30,514
30.51
1,42,407
38.46
0.56
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1,24,844
24.84
1,37,531
29.76
0.64
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1,33,844
33.84
1,43,671
40.74
0.21
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4 star
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1,31,571
31.57
1,42,384
38.42
1.19
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5 star
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1,28,892
28.89
1,38,076
30.73
0.94
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4 star
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1,22,115
22.12
1,34,989
25.30
1.01
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5 star
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1,30,122
30.12
1,39,785
33.76
0.94
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High

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1,37,535
37.54
1,47,331
47.42
1.03
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4 star
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1,46,899
46.90
1,52,647
57.28
0.89
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High

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1,47,529
47.53
1,54,592
60.93
0.61
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4 star
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1,25,986
25.99
1,38,005
30.60
0.46
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1,32,178
32.18
1,41,988
37.71
0.50
5 star
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High

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1,34,674
34.67
1,47,035
46.88
0.75
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1,34,973
34.97
1,41,358
36.57
0.88
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4 star
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1,30,455
30.46
1,40,892
35.74
1.29
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1,12,786
12.79
1,28,432
14.01
0.66
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1,17,727
17.73
1,31,826
19.81
1.26
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4 star
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1,14,486
14.49
1,29,442
15.72
0.95
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1,16,180
16.18
1,29,382
15.98
0.57
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1,14,576
14.58
1,29,525
15.87
0.91
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High

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1,19,134
19.13
1,33,189
22.16
0.50
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1,14,834
14.83
1,29,211
15.33
0.62
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High
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1,20,417
20.42
1,32,730
21.37
0.87
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4 star
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1,17,264
17.26
1,31,845
19.84
0.59
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4 star
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Above Avg.

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1,20,788
20.79
1,33,002
21.84
0.61
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1,11,353
11.35
1,27,204
11.93
0.50
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5 star
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1,20,028
20.03
1,34,217
23.95
0.77
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4 star
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Above Avg.

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1,18,126
18.13
1,31,954
20.03
0.31
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Above Avg.

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1,20,895
20.89
1,32,732
21.37
0.67
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4 star
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Above Avg.

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1,18,335
18.33
1,32,222
20.49
0.71
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4 star
Low
Above Avg.

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1,08,194
8.19
1,25,109
8.42
0.35
4 star
Low
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1,08,080
8.08
1,25,066
8.34
0.31
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5 star
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High

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1,08,340
8.34
1,25,198
8.57
0.39
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1,08,360
8.36
1,25,215
8.59
0.37
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4 star
Low
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1,08,417
8.42
1,25,239
8.63
0.43
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1,08,236
8.24
1,25,108
8.41
0.39
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4 star
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1,08,233
8.23
1,25,139
8.47
0.30
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1,25,247
25.25
1,38,473
31.43
0.52
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4 star
High
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1,27,657
27.66
1,38,388
31.28
0.53
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High

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1,40,693
40.69
1,48,335
49.27
0.75
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5 star
High
High

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1,27,012
27.01
1,37,051
28.91
0.26
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4 star
High
Above Avg.

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1,21,008
21.01
1,35,116
25.52
0.87
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1,21,239
21.24
1,35,295
25.83
0.61
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4 star
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1,23,218
23.22
1,36,279
27.56
0.30
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4 star
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1,18,494
18.49
1,32,404
20.80
0.37
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4 star
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1,23,128
23.13
1,36,040
27.14
0.84
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1,21,881
21.88
1,34,036
24.19
0.16
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1,30,571
30.57
1,40,878
35.71
0.74
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1,41,952
41.95
1,53,870
59.57
0.71
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1,30,086
30.09
1,38,198
30.94
0.62
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1,26,219
26.22
1,38,686
31.81
0.40
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1,09,069
9.07
1,23,805
6.25
0.17
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1,08,480
8.48
1,23,901
6.41
0.26

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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