These days new and inexperienced investors often search for the best mutual funds for 2025 to earn extra income or money. In the market, there are thousands of mutual fund schemes available from different mutual fund companies. But the question arises which one to choose? Which one has the potential to fulfill your expectations? Choosing the mutual fund scheme is not enough but the right one would be better. However, due to a lack of knowledge fresh investors usually end up losing their principal money instead of positive returns.
So today’s blog is all about the top 5 mutual fund schemes in India that have given good returns in the past and have stood up to the expectations of the investors. Keep reading to enhance your knowledge.
List of Top 5 Mutual Funds
1. Bank of India Mid & Small Cap Equity & Debt Fund Direct-Growth
Bank of India Mid & Small Cap Equity & Debt Fund Direct-Growth is an Aggressive Hybrid mutual fund program from Bank of India Mutual Fund. This scheme was launched on 29 June 2016. The fund has Rs.1,054 crores AUM as of 31 December 2024.
The latest NAV of Bank of India Mid & Small Cap Equity & Debt Fund Direct-Growth, as of Jan 7, 2025, is Rs.41.99. The fund's expense ratio is 0.84%, which is in line with most other Aggressive Hybrid funds. Currently, the fund has a 73.09% equity investment allocation and a debt investment allocation of 23.95%.
Bank of India Mid & Small Cap Equity & Debt Fund Direct-Growth returns for the last 1-year are 24.30%. Since its launch, it has returned about an average of 18.45% annually. The fund doubles the money invested in three years.
|
Return or Risk |
Volatility Protection |
Exit Load |
|
20% higher returns for each unit |
Performing worse |
1% exit load (If redeemed within three months). |
Fund Details
|
Fund House |
Bank of India Mutual Fund |
|
Launch Date |
29 Jun 2016 |
|
Expense Ratio |
0.84% as of Nov 30, 2024 |
|
Exit Load |
1% if redeemed within 3 months |
|
AUM |
Rs.1054 Cr |
|
Benchmark |
NA |
|
Min. Investment |
Lump- Rs.5000 and SIP- Rs.1000 |
|
Risk |
Very High |
|
1 Year Returns |
25.12% |
|
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 |
73.09% |
|
Debt |
23.95% |
|
Other |
2.96% |
Top 3 Stock Holdings
|
Company |
Holdings |
|
Jindal Stainless Ltd. |
2.66% |
|
Coforge Ltd. |
2.39% |
|
Swan Energy Ltd. |
2.06% |
2. JM Aggressive Hybrid Fund Direct-Growth
Created by JM Financial Mutual Fund, the JM Aggressive Hybrid Fund Direct-Growth is an aggressive hybrid mutual fund plan. It has been running for about twelve years since its inception on January 1, 2013.
By 31 Dec 2024, this fund had Rs.720 Cr AUM. The JM Aggressive Hybrid Fund Direct-Growth latest NAV as of the 7th of January 2025 is Rs.138.77. It also has an expense ratio of 0.66%, which is less than that of most other Aggressive Hybrid funds.
|
Return or Risk |
Volatility Protection |
Return Outperformance |
|
Performing poorer |
Ranks lower in its category |
Produced the highest return in aggressive hybrid funds in the last 10 years. |
Fund Details
|
Fund House |
JM Financial Mutual Fund |
|
Launch Date |
01 Jan 2013 |
|
Expense Ratio |
0.66% as of Nov 30, 2024 |
|
Exit Load |
1% if redeemed within 2 months |
|
AUM |
Rs.720 Cr |
|
Benchmark |
CRISIL Hybrid 35+65 Aggressive |
|
Min. Investment |
Lump- Rs.5000 and SIP- Rs.500 |
|
Risk |
Very High |
|
1 Year Returns |
25.42% |
|
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 |
74.99% |
|
Debt |
19.12% |
|
Other |
5.89% |
Top 3 Stock Holdings
|
Company |
Holdings |
|
HDFC Bank Ltd. |
4.74% |
|
Infosys Ltd. |
3.9% |
|
Bharti Airtel Ltd. |
3.73% |
3. ICICI Prudential Equity & Debt Fund Direct-Growth
It is an Aggressive Hybrid mutual fund scheme from ICICI Prudential Mutual Fund. This fund was launched on 01/01/2013. ICICI Prudential Equity & Debt Fund Direct-Growth has Rs.40,089 Cr worth of AUM as of 31/12/2024. The ICICI Prudential Equity & Debt Fund Direct-Growth latest NAV as of 07/01/2025 is Rs.404.21.
|
Return or Risk |
Chance |
Return Outperformance |
|
20% more returns for every unit. |
In 70% of cases, investors got an annual return of 14.16% if held for at least five years |
Given the highest return in aggressive hybrid funds in the last 10 years. |
Fund Details
|
Fund House |
ICICI Prudential Mutual Fund |
|
Launch Date |
01 Jan 2013 |
|
Expense Ratio |
0.98% as of Nov 30, 2024 |
|
Exit Load |
1% if redeemed within 12 months |
|
AUM |
Rs.40,089 Cr |
|
Benchmark |
CRISIL Hybrid 35+65 Aggressive |
|
Min. Investment |
Lump- Rs.5000 and SIP- Rs.500 |
|
Risk |
Very High |
|
1 Year Returns |
18.48% |
|
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 |
71.14% |
|
Debt |
23.04% |
|
Other |
5.83% |
Top 3 Stock Holdings
|
Company |
Holdings |
|
ICICI Bank Ltd. |
6.35% |
|
NTPC Ltd. |
6.04% |
|
HDFC Bank Ltd. |
5.72% |
4. Invesco India Mid Cap Fund Direct-Growth
The Invesco Indian Mid-Cap Fund Direct-Growth is a Mid-Cap mutual fund scheme. The fund existed for 12 years since its inception on 01/01/2013. On 31/12/2024, Invesco India Mid Cap Fund Direct-Growth's AUM is Rs.6,155 Cr and is deemed as medium-sized for its category. The Invesco India Mid Cap Fund Direct-Growth latest NAV as of 07/01/2025 is Rs.205.68. The fund's expense ratio is 0.58%, very similar to the expense that most other mid-cap funds make.
|
Return or Risk |
Exit Load |
Return Outperformance |
|
20% more returns for every unit. |
1% if redeemed within 12 months |
Given the highest return in mid-cap funds in the last 10 years. |
Fund Details
|
Fund House |
Invesco Mutual Fund |
|
Launch Date |
01 Jan 2013 |
|
Expense Ratio |
0.58% as of Nov 30, 2024 |
|
Exit Load |
1% if redeemed within 12 months |
|
AUM |
Rs.6155 Cr |
|
Benchmark |
BSE 150 MidCap TRI |
|
Min. Investment |
Lump- Rs.1000 and SIP- Rs.500 |
|
Risk |
Very High |
|
1 Year Returns |
43.36% |
|
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 |
99.03% |
|
Debt |
0 |
|
Other |
0.97% |
Top 3 Stock Holdings
|
Company |
Holdings |
|
The Federal Bank Ltd. |
4.5% |
|
Dixon Technologies (India) Ltd. |
4.19% |
|
Trent Ltd. |
3.88% |
5. ICICI Prudential MNC Fund Direct-Growth
ICICI Prudential MNC Fund Direct-Growth is a Thematic-MNC mutual fund scheme that ICICI Prudential Mutual Fund launched on 28/05/2019. This fund exists for 5 years and 7 months. As of 31/12/2024, ICICI Prudential MNC Fund Direct-Growth has Rs.1,744 Crores AUM, making it a medium-sized fund of its category. The latest Net Asset Value (NAV) of ICICI Prudential MNC Fund Direct-Growth as of 07/01/2025 is Rs.30.45. The fund has an expense ratio of 1.04%, which is lower than what most other Thematic-MNC funds charge.
|
Return or Risk |
Chance |
Return Outperformance |
|
20% more returns for every unit. |
24.18% returns in 70% of cases if held for more than 5 years. |
Given the highest return in thematic MNC funds in the last 5 years. |
Fund Details
|
Fund House |
ICICI Prudential Mutual Fund |
|
Launch Date |
28 May 2019 |
|
Expense Ratio |
1.04% as of Nov 30, 2024 |
|
Exit Load |
1% if redeemed within 12 months |
|
AUM |
Rs.1744 Cr |
|
Benchmark |
Nifty MNC TRI |
|
Min. Investment |
Lump- Rs.5000 and SIP- Rs.500 |
|
Risk |
Very High |
|
1 Year Returns |
18.48% |
|
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 |
92.87% |
|
Debt |
0.57% |
|
Other |
6.56% |
Top 3 Stock Holdings
|
Company |
Holdings |
|
Maruti Suzuki India Ltd. |
8.65% |
|
Hindustan Unilever Ltd. |
7.51% |
|
Sun Pharmaceutical Industries Ltd. |
5.44% |
Conclusion
Right mutual funds make that for the accomplishment of financial objectives. The above-mentioned top 5 mutual fund schemes have always helped provide sound returns while matching varieties of investment preferences; be it aggressive hybrid funds, mid-cap, or thematic funds, there is one suitable for every investor.
However, all investors must always consider their risk appetite, investment horizon, and financial objectives before choosing a fund. It is advisable to start small with SIPs as they reduce the element of risk and build wealth over time. Investing rightly today would make a financially secure tomorrow possible.
Disclaimer:
Not a buy or sell recommendation. No investment advice is given. Future returns are not guaranteed by past returns. This Mutual Funds analysis is provided solely for informative purposes and should not be considered investment advice. Always conduct research and talk with a financial advisor before investing.
Faqs:
1. Which mutual fund is best to invest in 2025?
- Flexi cap schemes: The agility across market cycles.
- Large-cap schemes: Stability at the time of uncertainty.
- Aggressive hybrid funds: Balanced growth with reduced volatility.
- Value funds: Holding undervalued stocks for long-term injury.
2. What are top 5 mutual funds?
The top 5 mutual funds for 2025 are discussed above in this blog.
3. Which scheme is best in mutual funds?
The above schemes are among the top mutual funds schemes in India in 2025.
