Live Data

Nifty 50 (1Y)+18.2%

Top ELSS (3Y)22.4%

Top Index Fund ER0.10%

Min SIP₹500

ITR deadline31 Jul

Data · Apr 2026

Best Mutual Funds in India

Q: What is the best mutual fund to invest in India?

For long-term wealth, Nifty 50 index funds have averaged 12% returns. For tax saving, ELSS funds offer 80C deduction up to ₹1.5L.

Q: Is SIP better than lump sum?

SIP reduces timing risk through rupee cost averaging. Lump sum works better in rising markets. For most investors, SIP is recommended.

Q: How are mutual funds taxed in India?

Equity: LTCG above ₹1.25L taxed at 12.5% (held >1yr). Debt: taxed at slab rate. ELSS qualifies for 80C.

Compare mutual funds by returns, expense ratio, and risk grade. Ranked by real performance — not what pays us most.

40+ AMCsNAV daily

All Funds Equity Debt Hybrid Index ELSS Large Cap Mid Cap Small Cap Flexi Cap

Equity Funds

Higher returns, higher risk

Debt Funds

Stable returns, lower risk

Hybrid Funds

Mix of equity + debt

Index Funds

Low cost, market returns

	Risk
UTI Capital Protection Oriented Scheme - Series X-II (1134 Days) - Regular Plan - IDCW HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Capital Protection Oriented Scheme Series IX-I (1467 Days) - Direct Plan - Growth Option HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Capital Protection Oriented Scheme Series IX-I (1467 Days) - Regular Plan - Growth Option HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Capital Protection Oriented Scheme Series IX-II ( 1462 Days) - Direct Plan - Growth Option HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Capital Protection Oriented Scheme Series IX-II ( 1462 Days) - Regular Plan - Growth Option HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Capital Protection Oriented Scheme Series IX-III ( 1389 Days) - Direct Plan - Growth Option HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Capital Protection Oriented Scheme Series IX-III ( 1389 Days) - Regular Plan - Growth Option HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Capital Protection Oriented Scheme Series VIII - II (1831 Days) - Regular Plan - Growth Option HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Capital Protection Oriented Scheme Series VIII -II (1831 Days) - Direct Plan - Growth Option HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Capital Protection Oriented Scheme Series VIII-III (1281 Days) - Direct Plan - Dividend Option HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Capital Protection Oriented Scheme Series VIII-III (1281 Days) - Regular Plan - Dividend Option HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Capital Protection Oriented Scheme Series VIII-III (1281 Days) - Regular Plan - Growth Option HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Capital Protection Oriented Scheme Series VIII-III (1281Days) - Direct Plan - Growth Option HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Capital Protection Oriented Scheme Series VIII-IV (1996 Days) - Direct Plan - Growth Option HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Capital Protection Oriented Scheme Series VIII-IV (1996 Days) - Regular Plan - Growth Option HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Capital Protection Oriented Scheme Series X-II ( 1134 Days) - Direct Plan - Growth Option HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Capital Protection Oriented Scheme Series X-II ( 1134 Days) - Regular Plan - Growth Option HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Children's Equity Fund - Direct Plan - Growth Option HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Children's Equity Fund - Direct Plan - IDCW HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Children's Equity Fund - Regular Plan - Growth Option HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Children's Equity Fund - Regular Plan - IDCW HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Children's Hybrid Fund - Direct Plan HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Children's Hybrid Fund - Regular Plan HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Conservative Hybrd Fund - Regular Plan - Monthly Payment Option HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Conservative Hybrid Fund - Direct Plan - Flexi IDCW HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Conservative Hybrid Fund - Direct Plan - Growth Option HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Conservative Hybrid Fund - Direct Plan - Monthly IDCW HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Conservative Hybrid Fund - Direct Plan - Monthly Payment Option HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Conservative Hybrid Fund - Regular Plan - Flexi IDCW HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Conservative Hybrid Fund - Regular Plan - Growth Option HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Conservative Hybrid Fund - Regular Plan - Monthly IDCW HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Credit Risk Fund ( Segregated - 17022020 ) - Direct Plan - Annual IDCW Large CapUTI Credit Risk Fund ( Segregated	Moderate	282.73%	0%	0%	0%	Details →
UTI Credit Risk Fund ( Segregated - 17022020 ) - Direct Plan - Flexi IDCW Large CapUTI Credit Risk Fund ( Segregated	Moderate	282.64%	0%	0%	0%	Details →
UTI Credit Risk Fund ( Segregated - 17022020 ) - Direct Plan - Half-Yearly IDCW Large CapUTI Credit Risk Fund ( Segregated	Moderate	282.93%	0%	0%	0%	Details →
UTI Credit Risk Fund ( Segregated - 17022020 ) - Direct Plan - Monthly IDCW Large CapUTI Credit Risk Fund ( Segregated	Moderate	282.72%	0%	0%	0%	Details →
UTI Credit Risk Fund ( Segregated - 17022020 ) - Direct Plan - Quarterly IDCW Large CapUTI Credit Risk Fund ( Segregated	Moderate	282.72%	0%	0%	0%	Details →
UTI Credit Risk Fund ( Segregated - 17022020 ) - Regular Plan - Annual IDCW Large CapUTI Credit Risk Fund ( Segregated	Moderate	274.9%	0%	0%	0%	Details →
UTI Credit Risk Fund ( Segregated - 17022020 ) - Regular Plan - Flexi IDCW Large CapUTI Credit Risk Fund ( Segregated	Moderate	274.85%	0%	0%	0%	Details →
UTI Credit Risk Fund ( Segregated - 17022020 ) - Regular Plan - Half-Yearly IDCW Large CapUTI Credit Risk Fund ( Segregated	Moderate	274.87%	0%	0%	0%	Details →
UTI Credit Risk Fund ( Segregated - 17022020 ) - Regular Plan - Monthly IDCW Large CapUTI Credit Risk Fund ( Segregated	Moderate	274.89%	0%	0%	0%	Details →
UTI Credit Risk Fund ( Segregated - 17022020 ) - Regular Plan - Quarterly IDCW Large CapUTI Credit Risk Fund ( Segregated	Moderate	274.86%	0%	0%	0%	Details →
UTI CRISIL SDL Maturity April 2033 Index Fund - Direct Plan - Growth Option Index FundUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI CRISIL SDL Maturity April 2033 Index Fund - Regular Plan - Growth Option Index FundUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI CRISIL SDL Maturity June 2027 Index Fund - Direct Plan - Growth Option Index FundUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI CRISIL SDL Maturity June 2027 Index Fund - Regular Plan - Growth Option Index FundUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Dividend Yield Fund - Direct Plan - IDCW Multi CapUTI Mutual Fund	High	0%	0%	0%	0%	Details →
UTI Dividend Yield Fund - Regular Plan - IDCW Multi CapUTI Mutual Fund	High	0%	0%	0%	0%	Details →
UTI Dual Advantage Fixed Term Fund Series V-I ( 1103 days) - Direct Plan - Growth Option HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Dual Advantage Fixed Term Fund Series V-I ( 1103 days) - Direct Plan - Dividend Option HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
UTI Dual Advantage Fixed Term Fund Series V-I ( 1103 days) - Regular Plan - Dividend Option HybridUTI Mutual Fund	Moderately High	0%	0%	0%	0%	Details →

This Week in Indian Money

What changed. What it means.

Updated weekly

Deadline·22 Apr 2026
Capital gains filing window closes 31 July
LTCG above ₹1.25L now taxed at 12.5%. AY2026-27 statements available in CAMS.
News·19 Apr 2026
Nippon India Small Cap gates fresh inflows
Third AMC this year to stop SIP acceptance in small-cap. Signals stretched valuations — SEBI may mandate restrictions.
Source: SEBI MF statistics
Rate Change·16 Apr 2026
Nifty 50 Index fund expense ratios compressed to 0.10%
UTI and Navi undercut on direct plan — lowest ever for an Indian index fund.
Policy·15 Apr 2026
SEBI mandates flexible SIP increase for existing investors
All AMCs must allow SIP top-ups without creating new folio — rolls out from June 1.
Source: SEBI circular

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How We Rate

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No AMC pays for higher ranking. Editorial is independent.

We evaluate funds on returns (1-10yr), expense ratio, Sharpe ratio, fund manager consistency, AUM stability, and category rank. When you invest through our links, we may earn a commission. This never influences ratings. Methodology disclosed → · How we make money →

Frequently Asked Questions

What is the best mutual fund to invest in India?

It depends on your goals and risk tolerance. For long-term wealth creation, index funds tracking Nifty 50 have averaged 12% annual returns. For tax saving, ELSS funds offer Section 80C deduction up to ₹1.5L. For stability, debt funds or hybrid funds are better.

Is SIP better than lump sum investment?

SIP reduces timing risk through rupee cost averaging — you buy more units when prices are low. Lump sum works better in consistently rising markets. For most investors, monthly SIP is the recommended approach as it builds discipline.

How are mutual funds taxed in India?

Equity funds held >1 year: LTCG above ₹1.25L taxed at 12.5%. Short-term (<1yr): 20%. Debt funds: taxed at your income tax slab rate regardless of holding period. ELSS qualifies for 80C deduction up to ₹1.5L with a 3-year lock-in.

What is expense ratio and why does it matter?

Expense ratio is the annual fee charged by the fund house for managing your money. A 1% vs 0.1% difference means lakhs over 20 years. Index funds typically have the lowest ratios (0.1-0.5%). Always compare expense ratios within the same category.

How do I choose between direct and regular plans?

Direct plans have 0.5-1% lower expense ratios (no distributor commission) and deliver higher returns over time. Regular plans include distributor fees. The fund itself is identical — only the fee structure differs. We always recommend direct plans.

What does "risk grade" mean for mutual funds?

SEBI mandates risk labels: Low, Low to Moderate, Moderate, Moderately High, High, Very High. This is based on the fund's portfolio volatility. Equity funds are typically High/Very High. Debt funds range from Low to Moderate. Match your risk grade to your investment horizon.

How does InvestingPro rate mutual funds?

We evaluate funds on returns across 5 time periods (1yr to 10yr), expense ratio, risk-adjusted performance (Sharpe ratio), fund manager track record, and AUM stability. Ratings update daily with NAV changes. No AMC pays for higher placement.

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SEBI regulatory notice

Regulated by Securities and Exchange Board of India.

Mutual funds in India are regulated by SEBI and managed by AMFI-registered AMCs. Fund performance, ratings, and expense ratios shown are sourced from AMFI / scheme information documents. Past performance is NOT indicative of future returns. NAV fluctuates with market conditions; capital is at risk.

Risk note: Mutual fund investments are subject to market risks. Read all scheme-related documents (SID/KIM) carefully before investing. We are NOT a SEBI-registered investment advisor (RIA); for personalised advice consult a registered advisor at sebi.gov.in.

InvestingPro is an independent comparison and education platform. We are NOT a SEBI-registered investment advisor, IRDAI-licensed insurance broker, or RBI-licensed lending intermediary. We may earn affiliate commission when you click through to a partner — see how we make money. For personalised advice consult a registered advisor.

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