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Best Mutual Funds in India: Compare Returns, NAV, SIP, & Risks
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Best Mutual Funds in India: Compare Returns, NAV, SIP, & Risks
Three Best Mutual Funds to Invest in India
Mutual Funds offer a special blend of long-term appreciation potential, diversity, by investing in equity, debt, hybrids, and indices. Every investor's goals such as wealth creation, retirement funding, are met by the right selection of mutual funds.
This is a comprehensive recommendation for the best mutual funds in India to invest in for your portfolio this year.
Good Mutual Funds to invest in 2025
The 3 good mutual fund schemes that might be suitable for 2025, as per ET Money, are discussed below-
1. ICICI Prudential Infrastructure Fund Dir-G
As of July 11, 2025, ICICI Prudential Infrastructure Direct-Growth has a NAV of Rs. 214.83.
|
Return or Risk |
Return Outperformance |
Chance |
|
20% more returns for every unit. |
Over the past 10 years, this fund has produced the highest return of any sectoral infrastructure fund. |
In 70% of cases, investors who have held this fund for at least 5 years have seen an annual return of 12.35%. |
Fund Details
|
Fund House |
ICICI Prudential Mutual Fund |
|
Launch Date |
01 Jan 2013 |
|
Expense Ratio |
1.14% as of Jun 30, 2025 |
|
Benchmark |
BSE India Infrastructure TRI |
|
Min. Investment |
SIP- Rs. 500 and Lumpsum- Rs. 5000 |
|
Risk |
Very High |
|
3-Year Returns |
149.57% |
|
Short Term Capital Gains (STCG) |
20% if redeemed earlier than 12 months |
|
Long Term Capital Gains (LTCG) |
After 12 months, 12.5% tax on gains of Rs. 1.25 lac + in a financial year |
Asset Allocation of Equity
|
Asset |
Percentage (%) |
|
Equity |
94.08% |
|
Debt |
0.62% |
|
Other |
5.3% |
Top 3 Stock Holdings
|
Company |
Holdings |
|
Larsen & Toubro Ltd. |
9.04% |
|
NTPC Ltd. |
4.45% |
|
Adani Ports and Special Economic Zone Ltd. |
4.09% |
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2. Invesco India PSU Equity Fund Dir-G
As of Jul 11, 2025, Invesco India PSU Equity Fund Direct-Growth has a NAV of Rs. 77.26.
|
Return or Risk |
Exit Load |
Return Outperformance |
|
20% more returns for every unit. |
1%, if more than 10% units are redeemed within 12 months. |
Produced the highest return over the previous 10 years among Thematic-PSU funds. |
Fund Details
|
Fund House |
Invesco Mutual Fund |
|
Launch Date |
01 Jan 2013 |
|
Expense Ratio |
0.94% as of Jun 30, 2025 |
|
Benchmark |
BSE PSU TRI |
|
Min. Investment |
SIP- Rs. 500 and Lumpsum- Rs. 5000 |
|
Risk |
Very High |
|
3-Year Returns |
172.91% |
|
Short Term Capital Gains (STCG) |
20% if redeemed earlier than 12 months |
|
Long Term Capital Gains (LTCG) |
After 12 months, 12.5% tax on gains of Rs. 1.25 lac + in a financial year |
Asset Allocation of Equity
|
Asset |
Percentage (%) |
|
Equity |
96.66% |
|
Other |
3.34% |
Top 3 Stock Holdings
|
Company |
Holdings |
|
Bharat Electronics Ltd. |
9.31% |
|
Bharat Petroleum Corporation Ltd. |
7.95% |
|
State Bank of India |
7.78% |
Explore Best EV ETFs in India.
3. Motilal Oswal Midcap Fund Dir-G
As of Jul 11, 2025, Motilal Oswal Midcap Fund Direct-Growth has a NAV of Rs. 116.75.
|
Return or Risk |
Return Outperformance |
Chance |
|
Performing poorly in its category |
Over the past 10 years, this fund has produced the highest return of any midcap fund. |
In 70% of cases, investors who have held this fund for at least 5 years have seen an annual return of 12.64%. |
Fund Details
|
Fund House |
|
|
Launch Date |
03 Feb 2014 |
|
Expense Ratio |
0.68% as of Jun 30, 2025 |
|
Benchmark |
NIFTY Midcap 150 TRI |
|
Min. Investment |
Lump- Rs. 1000 and SIP- Rs. 500 |
|
Risk |
Very High |
|
3-Year Returns |
138.85% |
|
Short Term Capital Gains (STCG) |
20% if redeemed earlier than 12 months |
|
Long Term Capital Gains (LTCG) |
After 12 months, 12.5% tax on gains of Rs. 1.25 lac + in a financial year |
Asset Allocation of Equity
|
Asset |
Percentage (%) |
|
Equity |
82.83% |
|
Other |
17.17% |
Top 3 Stock Holdings
|
Company |
Holdings |
|
Coforge Ltd. |
10.48% |
|
Persistent Systems Ltd. |
9.6% |
|
Trent Ltd. |
9.39% |
Conclusion
In 2025, the best mutual funds are providing remarkable returns in infrastructure, public sector undertakings, and midcap equities. These funds provide chances for long-term growth. Effective fund selection results from astute investing and meticulous computation, regardless of your investment goals-wealth creation, tax minimization, or portfolio diversification.
Disclaimer: Not a buy or sell recommendation. Future returns are not guaranteed by past returns. This Mutual Funds analysis is only for educational purposes and is NOT investment advice. Always conduct research and talk with a financial advisor before investing.
Frequently Asked Questions
List of the best mutual funds to invest in India based on returns:-
Motilal Oswal Midcap Fund Dir-G
Invesco India PSU Equity Fund Dir-G
ICICI Prudential Infrastructure Fund Dir-G
In general, mutual funds are considered safer than stocks because the former provide diversity and lower the risk associated with the volatility of individual equities.
NAV stands for Net Asset Value.
As per Economic Times, the following schemes have delivered more than 40% XIRR in the last three years-
Motilal Oswal Midcap Fund - 42.99%
Quant Smallcap Fund - 42.14%
Quant Midcap Fund - 42.10%
JM Value Fund - 40.80%
JM Flexicap Fund - 40.58%.
