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
360 ONE Dynamic Bond Fund - Regular Plan - Growth Option Large Cap360 ONE Dynamic Bond Fund	Moderate	4.69%	7.64%	6.75%	0%	Details →
360 ONE Dynamic Bond Fund Regular Plan Bonus Large Cap360 ONE Dynamic Bond Fund Regular Plan Bonus	Moderate	4.69%	7.64%	6.75%	0%	Details →
360 ONE Dynamic Bond Fund Regular Plan Half Yearly Dividend Large Cap360 ONE Dynamic Bond Fund Regular Plan Half Yearly Dividend	Moderate	4.69%	7.64%	6.75%	0%	Details →
NIPPON INDIA CORPORATE BOND FUND - DIRECT Plan - IDCW Option Large CapNIPPON INDIA CORPORATE BOND FUND	Moderate	5.01%	7.62%	6.84%	0%	Details →
Nippon India Corporate Bond Fund - Direct Plan Growth Plan - Bonus Large CapNippon India Corporate Bond Fund	Moderate	5.01%	7.62%	6.84%	0%	Details →
Nippon India Corporate Bond Fund - Direct Plan Growth Plan - Growth Option Large CapNippon India Corporate Bond Fund	Moderate	5.01%	7.62%	6.84%	0%	Details →
Baroda BNP Paribas Credit Risk Fund -Regular-Growth Option Large CapBaroda BNP Paribas Credit Risk Fund	Moderate	6.42%	7.6%	8.35%	0%	Details →
ICICI Prudential Credit Risk Fund - Bonus Large CapICICI Prudential Credit Risk Fund	Moderate	9.09%	7.59%	8.06%	0%	Details →
Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund) Regular Plan - Bonus DebtSundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund) Regular Plan	Moderate	9.24%	7.56%	5.62%	0%	Details →
BANDHAN Credit Risk Fund-Direct Plan-Periodic IDCW Large CapBANDHAN Credit Risk Fund	Moderate	6.58%	7.52%	6.21%	0%	Details →
Kotak Corporate Bond Fund- Direct Plan- Growth Option Large CapKotak Corporate Bond Fund	Moderate	5.18%	7.52%	6.52%	0%	Details →
SBI Credit Risk Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW) Large CapSBI Credit Risk Fund	Moderate	6.48%	7.49%	6.88%	0%	Details →
SBI CREDIT RISK FUND - REGULAR PLAN - GROWTH Large CapSBI CREDIT RISK FUND	Moderate	6.48%	7.49%	6.88%	0%	Details →
SBI Credit Risk Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) Large CapSBI Credit Risk Fund	Moderate	6.48%	7.49%	6.88%	0%	Details →
Franklin India Banking & PSU Debt Fund - Direct - Growth DebtFranklin India Banking & PSU Debt Fund	Moderate	6.04%	7.48%	6.35%	0%	Details →
ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Growth DebtICICI Prudential Banking and PSU Debt Fund	Moderate	5.32%	7.48%	6.73%	0%	Details →
Kotak Banking and PSU Debt Direct - Growth DebtKotak Banking and PSU Debt Direct	Moderate	5.24%	7.43%	6.58%	0%	Details →
Franklin India Corporate Debt Fund - Growth DebtFranklin India Corporate Debt Fund	Moderate	6.93%	7.42%	6.11%	0%	Details →
HDFC Credit Risk Debt Fund - Growth Option DebtHDFC Credit Risk Debt Fund	Moderate	6.44%	7.42%	6.68%	0%	Details →
HDFC Credit Risk Debt Fund - IDCW Option DebtHDFC Credit Risk Debt Fund	Moderate	6.44%	7.42%	6.68%	0%	Details →
ICICI Prudential Corporate Bond Fund - Growth Large CapICICI Prudential Corporate Bond Fund	Moderate	5.47%	7.41%	6.49%	0%	Details →
Tata Corporate Bond Fund-Direct Plan-Growth Large CapTata Corporate Bond Fund	Moderate	4.52%	7.39%	0%	0%	Details →
Tata Corporate Bond Fund-Direct Plan-IDCW Monthly Payout Large CapTata Corporate Bond Fund	Moderate	4.52%	7.39%	0%	0%	Details →
Tata Corporate Bond Fund-Direct Plan-IDCW Monthly Reinvestment Large CapTata Corporate Bond Fund	Moderate	4.52%	7.39%	0%	0%	Details →
Tata Corporate Bond Fund-Direct Plan-IDCW Periodic Payout Large CapTata Corporate Bond Fund	Moderate	4.52%	7.39%	0%	0%	Details →
Tata Corporate Bond Fund-Direct Plan-IDCW Periodic Reinvestment Large CapTata Corporate Bond Fund	Moderate	4.52%	7.39%	0%	0%	Details →
Tata Corporate Bond Fund-Direct Plan-IDCW Quarterly Payout Large CapTata Corporate Bond Fund	Moderate	4.52%	7.39%	0%	0%	Details →
Tata Corporate Bond Fund-Direct Plan-IDCW Quarterly Reinvestment Large CapTata Corporate Bond Fund	Moderate	4.52%	7.39%	0%	0%	Details →
Kotak Credit Risk Fund - Growth Large CapKotak Credit Risk Fund	Moderate	7.03%	7.37%	5.7%	0%	Details →
Kotak Credit Risk Fund - Regular Plan - Standard Income Distribution cum capital withdrawal option Large CapKotak Credit Risk Fund	Moderate	7.03%	7.37%	5.7%	0%	Details →
UTI Corporate Bond Fund - Direct Plan - Flexi IDCW Large CapUTI Corporate Bond Fund	Moderate	5.08%	7.37%	5.85%	0%	Details →
UTI Corporate Bond Fund - Direct Plan - Growth Option Large CapUTI Corporate Bond Fund	Moderate	5.08%	7.37%	6.3%	0%	Details →
UTI Corporate Bond Fund - Direct Plan - Half-Yearly IDCW Large CapUTI Corporate Bond Fund	Moderate	5.08%	7.37%	5.43%	0%	Details →
UTI Corporate Bond Fund - Direct Plan - Quarterly IDCW Large CapUTI Corporate Bond Fund	Moderate	5.08%	7.37%	5.75%	0%	Details →
BARODA BNP PARIBAS Corporate Bond Fund - Defunct Plan - Growth Option Large CapBARODA BNP PARIBAS Corporate Bond Fund	Moderate	5.21%	7.33%	0%	0%	Details →
BARODA BNP PARIBAS CORPORATE BOND FUND - Regular Plan - GROWTH OPTION Large CapBARODA BNP PARIBAS CORPORATE BOND FUND	Moderate	5.21%	7.33%	0%	0%	Details →
SBI Corporate Bond Fund - Direct Plan - Growth Large CapSBI Corporate Bond Fund	Moderate	4.86%	7.32%	6.26%	0%	Details →
SBI Corporate Bond Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) Large CapSBI Corporate Bond Fund	Moderate	4.86%	7.32%	6.26%	0%	Details →
SBI Corporate Bond Fund - Direct Plan - Quarterly Income Distribution cum Capital Withdrawal Option (IDCW) Large CapSBI Corporate Bond Fund	Moderate	4.86%	7.32%	6.26%	0%	Details →
BANDHAN Corporate Bond Fund - Direct Growth Large CapBANDHAN Corporate Bond Fund	Moderate	5.3%	7.31%	6.1%	0%	Details →
BANDHAN Corporate Bond Fund - Direct Periodic IDCW Large CapBANDHAN Corporate Bond Fund	Moderate	5.3%	7.31%	6.1%	0%	Details →
DSP Corporate Bond Fund - Direct - Growth Large CapDSP Corporate Bond Fund	Moderate	6.32%	7.3%	5.84%	0%	Details →
HDFC Corporate Bond Fund - Growth Option - Direct Plan Large CapHDFC Corporate Bond Fund	Moderate	4.21%	7.3%	6.36%	0%	Details →
Aditya Birla Sun Life Corporate Bond Fund - Growth - Direct Plan Large CapAditya Birla Sun Life Corporate Bond Fund	Moderate	4.21%	7.29%	6.4%	0%	Details →
LIC MF Banking & PSU Fund-Direct Plan-Growth Large CapLIC MF Banking & PSU Fund	Moderate	4.94%	7.28%	6.12%	0%	Details →
LIC MF Banking & PSU Fund-Direct Plan-Monthly IDCW Large CapLIC MF Banking & PSU Fund	Moderate	4.94%	7.28%	6.12%	0%	Details →
PGIM India Corporate Bond Fund - Direct Plan - Growth Large CapPGIM India Corporate Bond Fund	Moderate	4.92%	7.28%	6.4%	0%	Details →
UTI Banking & PSU Fund - Direct Plan - Flexi IDCW Large CapUTI Banking & PSU Fund	Moderate	6.2%	7.28%	7.51%	0%	Details →
UTI Banking & PSU Fund - Direct Plan - Growth Option Large CapUTI Banking & PSU Fund	Moderate	6.2%	7.28%	7.51%	0%	Details →
UTI Banking & PSU Fund - Direct Plan - Half-Yearly IDCW Large CapUTI Banking & PSU Fund	Moderate	6.2%	7.28%	7.27%	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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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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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.

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