Handpicked List of Mutual Funds
The sheer number of available investment options can be overwhelming. To simplify your decision-making, we've handpicked mutual funds across three key dimensions: your investment goal, your comfort with risk, and the fund's category. Let's dive in.
Find Funds That Match Your Financial Goals
1. Long-Term Capital Gains (Equity Exposure)
For wealth creation over a 5+ year horizon, focusing on growth.
- Nippon India Large Cap Fund
- Parag Parikh Flexi Cap Fund
2. Regular Income & Payouts
Funds aiming for steady income through debt or hybrid strategies.
- Aditya Birla Sun Life Regular Savings Fund
- HDFC Hybrid Debt Fund
- DSP Regular Savings Fund
- UTI Conservative Hybrid Fund
3. Tax Saving (ELSS)
Equity-Linked Savings Schemes with a 3-year lock-in and tax benefits under Section 80C.
- SBI Long Term Equity Fund
- HDFC ELSS Tax Saver Fund
- Parag Parikh ELSS Tax Saver Fund
- DSP ELSS Tax Saver Fund
Choose Funds Based on Your Risk Appetite
Different investors can tolerate different levels of risk. Here’s a breakdown.
| Risk Level | Fund Types | Examples |
|---|---|---|
| Low | Arbitrage, Overnight, Pure Debt | Invesco India Arbitrage Fund; Axis Overnight Fund |
| Moderate | Dynamic Bond, Balanced Advantage, Arbitrage FoF | HDFC Dynamic Bond Fund; ICICI Corporate Bond Fund |
| High | Small/Mid-Cap, Credit Risk, Thematic | Nippon India Credit Risk Fund; Axis Small Cap Fund |
Low Risk: Best suited for capital preservation. Expected returns are typically around 5-7% p.a.
Moderate Risk: Aims for better returns over 3-5 years with manageable fluctuations.
High Risk: Targets returns greater than 25% p.a. in favorable markets but comes with the potential for significant drawdowns.
Explore Funds by Their Core Category
3.1 Equity Funds (High Risk, High Return Potential)
- Large/Multi-Cap: Nippon India Large Cap Fund, ICICI Prudential Bluechip Fund
- Flexi/Multi-Cap: Parag Parikh Flexi Cap Fund, HDFC Flexi Cap Fund
- Small-Cap & Sectoral: Axis Small Cap Fund, Thematic Funds (e.g., Consumption, Infrastructure)
3.2 Debt Funds (Lower Risk, Capital Safety)
- Overnight & Liquid: Axis Overnight Fund, Bank of India Overnight Fund
- Short-Term & Gilt: ICICI Prudential Gilt Fund, HDFC Corporate Bond Fund
3.3 Hybrid Funds (Balanced Mix of Equity & Debt)
- Conservative Hybrid: HDFC Hybrid Debt Fund (approx. 75% in debt)
- Multi-Asset Allocation: SBI Equity Hybrid Fund, ICICI Prudential Multi-Asset Fund
- FoFs & Arbitrage: ICICI Prudential Bharat 22 FoF, Tata Arbitrage Fund
3.4 Index Funds (Low-Cost Passive Investing)
- Broad Market Index: Navi Nifty 50 Index Fund, UTI Nifty 50 Index Fund
- Thematic Index: Motilal Oswal Nifty India Defence, Motilal Oswal S&P 500
Why These Select Mutual Funds?
- Expert Selection: Chosen based on historical performance, low expense ratios, and sound risk metrics.
- Transparent Data: Backed by data from AMFI and top aggregators for reliable NAV information.
- Goal-Oriented: Funds are categorized by objective, making it easier to find what you need.
Pro Tip: Always check the latest NAV, expense ratio, and fund manager details before investing. Most importantly, align your fund selection with your personal investment horizon and risk comfort level.