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
HSBC Consumption Fund - Direct Growth Multi CapHSBC Mutual Fund	High	0%	0%	0%	0%	Details →
HSBC Consumption Fund - Direct IDCW Multi CapHSBC Mutual Fund	High	0%	0%	0%	0%	Details →
HSBC Consumption Fund - Regular Growth Multi CapHSBC Mutual Fund	High	0%	0%	0%	0%	Details →
HSBC Consumption Fund - Regular IDCW Multi CapHSBC Mutual Fund	High	0%	0%	0%	0%	Details →
HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund - Direct - Growth Index FundHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund - Direct - Payout of IDCW Index FundHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund - Regular - Growth Index FundHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund - Regular - payout of IDCW Index FundHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC CRISIL IBX Gilt June 2027 Index Fund - Direct - Growth Index FundHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC CRISIL IBX Gilt June 2027 Index Fund - Direct - IDCW Index FundHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC CRISIL IBX Gilt June 2027 Index Fund - Regular - Growth Index FundHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC CRISIL IBX Gilt June 2027 Index Fund - Regular - IDCW Index FundHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC Dynamic Bond Fund - Direct Annual IDCW Large CapHSBC Dynamic Bond Fund	Moderate	0%	0%	0%	0%	Details →
HSBC Dynamic Bond Fund - Direct Growth Large CapHSBC Dynamic Bond Fund	Moderate	0%	0%	0%	0%	Details →
HSBC Dynamic Bond Fund - Direct Monthly IDCW Large CapHSBC Dynamic Bond Fund	Moderate	0%	0%	0%	0%	Details →
HSBC Dynamic Bond Fund - Regular Annual IDCW Large CapHSBC Dynamic Bond Fund	Moderate	0%	0%	0%	0%	Details →
HSBC Dynamic Bond Fund - Regular Growth Large CapHSBC Dynamic Bond Fund	Moderate	0%	0%	0%	0%	Details →
HSBC Dynamic Bond Fund - Regular Monthly IDCW Large CapHSBC Dynamic Bond Fund	Moderate	0%	0%	0%	0%	Details →
HSBC ELSS Tax saver Fund - Direct Growth ELSSHSBC Mutual Fund	High	0%	0%	0%	0%	Details →
HSBC ELSS Tax saver Fund - Direct IDCW Payout ELSSHSBC Mutual Fund	High	0%	0%	0%	0%	Details →
HSBC ELSS Tax saver Fund - Regular Growth ELSSHSBC Mutual Fund	High	0%	0%	0%	0%	Details →
HSBC ELSS Tax saver Fund - Regular IDCW Payout ELSSHSBC Mutual Fund	High	0%	0%	0%	0%	Details →
HSBC Equity Savings Fund - Direct Growth HybridHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC Equity Savings Fund - Direct Monthly IDCW HybridHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC Equity Savings Fund - Direct Quarterly IDCW HybridHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC Equity Savings Fund - Regular Growth HybridHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC Equity Savings Fund - Regular Monthly IDCW HybridHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC Equity Savings Fund - Regular Quarterly IDCW HybridHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC Financial Services Fund - Direct Growth Multi CapHSBC Mutual Fund	High	0%	0%	0%	0%	Details →
HSBC Financial Services Fund - Direct IDCW Multi CapHSBC Mutual Fund	High	0%	0%	0%	0%	Details →
HSBC Financial Services Fund - Regular Growth Multi CapHSBC Mutual Fund	High	0%	0%	0%	0%	Details →
HSBC Financial Services Fund - Regular IDCW Multi CapHSBC Mutual Fund	High	0%	0%	0%	0%	Details →
HSBC Fixed Term Series 125 - Direct Plan Growth Option HybridHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC Fixed Term Series 125 - Dividend Option HybridHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC Fixed Term Series 125 - Growth Option HybridHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC Fixed Term Series 126 - Direct Plan Growth Option HybridHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC Fixed Term Series 126 - Dividend Option HybridHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC Fixed Term Series 126 - Growth Option HybridHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC Fixed Term Series 128 - Direct Plan Growth Option HybridHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC Fixed Term Series 128 - Growth Option HybridHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC Fixed Term Series 129 - Direct Plan Growth Option HybridHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC Fixed Term Series 129 - Growth Option HybridHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC Fixed Term Series 130 - Growth Option HybridHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC Fixed Term Series 131 - Direct Plan Growth Option HybridHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC Fixed Term Series 131 - Growth Option HybridHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC Fixed Term Series 132 - Direct Plan Growth Option HybridHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC Fixed Term Series 132 - Growth Option HybridHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC Fixed Term Series 133 - Direct Plan Growth Option HybridHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC Fixed Term Series 133 - Growth Option HybridHSBC Mutual Fund	Moderately High	0%	0%	0%	0%	Details →
HSBC Fixed Term Series 134 - Direct Plan Growth Option HybridHSBC 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.

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