Every first-time mutual fund investor eventually reaches the same crossroads: Growth or Dividend plan? On the surface, this seems like a straightforward preference question, similar to choosing between a savings account and a fixed deposit. But in reality, this single selection can determine whether your wealth compounds powerfully over decades or gets quietly eroded, one payout at a time. The difference between the two options is not just about how returns are delivered. It

Mutual fund redemption is the process of selling your mutual fund units back to the Asset Management Company (AMC) at the prevailing Net Asset Value (NAV). Unlike stocks, you do not sell to another buyer in a marketplace. You sell directly to the fund house, which buys back your units and credits the proceeds to your registered bank account within a stipulated settlement period. There comes a point in every investor's journey when the question shifts from 'where do I put my m

India's mutual fund industry has grown into one of the most dynamic investment markets in the world. With assets under management crossing Rs 70 lakh crore, selecting the right fund from hundreds of options can be a daunting task for both first time and experienced investors. This report cuts through the noise by presenting a rigorous, data backed ranking of the best performing equity mutual funds across six major SEBI regulated categories. Our analysis is grounded in 5 yea

Multi Cap mutual funds are open-ended equity schemes mandated by SEBI to invest across all three market capitalisation segments; large cap, mid cap, and small cap stocks in a fixed minimum proportion. Unlike Flexi Cap funds where managers have full discretion, SEBI’s October 2020 circular requires Multi Cap funds to maintain a minimum 25% each in large cap, mid cap, and small cap stocks, with the remaining 25% at the fund manager’s discretion. This structured allocation ensur

Published: 24-March-2026 Data as of: 14-Feb-2026 Mid cap mutual funds invest a minimum of 65% of their total assets in equity and equity-related instruments of mid cap companies, those ranked 101st to 250th in terms of full market capitalisation as defined by SEBI (Securities and Exchange Board of India). These companies represent the growth engine of the Indian economy, established enough to have proven business models, yet agile enough to deliver outsized returns over long

The following tables rank the top 10 large cap mutual funds across four time horizons: Since Inception, 10-Year, 5-Year, and 3-Year CAGR returns.

The expense ratio (also called the Total Expense Ratio or TER) is the annual fee that a mutual fund charges investors to cover the costs of managing the fund. It is expressed as a percentage of the fund's Average Daily Net Assets (AUM). Expense Ratio (%) = Total Annual Fund Expenses ÷ Average AUM × 100 For example, if a fund manages ₹1,000 crore in assets and spends ₹10 crore per year on management, administration, and distribution, its expense ratio is 1%. This fee is

Net Asset Value (NAV) is the per-unit market value of a mutual fund's portfolio. Think of it as the fund's share price except, unlike a stock price that fluctuates throughout the trading day, NAV is calculated only once every day and that is after the stock market closes each business day. The calculation itself is straightforward. The fund takes the total market value of everything it holds such as equities, bonds, cash, money-market instruments, accrued dividends, and inter

XIRR (Extended Internal Rate of Return) is a financial function that computes the annualised return on a series of cash flows that occur at irregular intervals. In the context of mutual funds, it is the most accurate measure of your actual portfolio return especially for SIP investors. It finds the single annualised interest rate that, when applied to all your cash outflows (investments) and inflows (withdrawals/redemptions) on their exact dates, makes the net present value (