Top 10 Best Mutual Funds to invest in India in 2015

Top and Best Mutual Funds in India to invest for 2015Top 10 Best SIP Mutual Funds to invest in 2015

Earlier, I  have written Top 10 Best Mutual Funds to Invest in India for SIP in 2013 and 2014. These Top Performing mutual funds have been performing well. The success of such  SIP Mutual funds is based on picking up top mutual funds portfolio which is suitable for long term investors. 2015 is fast approaching. In this article, I would touch up some of the best and top 10 mutual funds which, one can invest through Systematic Investment Plan (SIP) for 2015. I would not discuss about ELSS funds in this article. What are the Best Mutual Funds to Invest in 2015? Which are the top performing mutual funds for 2015 which you should invest?

Top 10 Best SIP Mutual Funds to invest in 2015

These top 10 mutual funds to invest in India have been analysed and shortlisted based on several key parameters.

  • These are picked based on highest returns received in the last 5 years.
  • Funds, which are rated by Crisil as Rank-1, Rank-2, Rank-3 and Rank-4 which indicates top performance across various market cycles.
  • Value research (VRO) rated these mutual funds as 5 star and 4 star.
  • AUM (Assets under management) > 100 Crores. This proves investor confidence among these top 10 mutual funds.
  • Some of the funds might be a repetition from my earlier recommendations.

Also Read: Best Mid-cap and Small cap mutual funds in India that are rocking now

Top-1: ICICI Pru Focussed Blue Chip Fund


Fund Objective: This fund's objective is to invest in 20 large cap companies from the top 200 stocks listed on the NSE on the basis of market capitalization. This fund's objective would get altered if assets cross more than 1,000 Crores (which we are seeing now) where it would invest beyond 200 stocks listed in the NSE.

Fund Performance: This fund has beaten all its peers and provided 17% annualised returns in last 5 years. If you have invested in this fund for Rs 1,000 per month through SIP for 5 years, your total investment would have been Rs 60,000 and your investment value would have been Rs 101,000 now. This is one of the best funds to invest for long term of 10-20 years.

Why to invest: This fund has a clear strategy and consistently performing in the long run. This fund beats all its peers and provided 17% annualised returns in the last 5 years comparing to CNX Nifty returns of 10.8% in a similar period. This makes this as a unique fund among its peers. This is one of the Best Mutual Funds for 2015.

Top-2: UTI Equity Mutual Fund


Fund Objective:  This fund's objective is to invest at least 80% of its funds in equity and equity related instruments with medium to high risk profile and balance 20% in debt and money market instruments with low to medium risk profile.

Fund Performance: This fund has beaten its peers and provided 16% annualised returns in last 5 years. If you have invested in this fund for Rs 1,000 per month through SIP for 5 years, your total investment would have been Rs 60,000 and your investment value would have been Rs 104,000 now. This is another best fund to invest for long term of 10-20 years.

Why to invest: The fund has provided low volatility returns through a difficult period in equity markets.  The strategy is clearly articulated and has delivered exactly what it promises. This fund has provided 16% annualised returns in last 5 years compared to S&P BSE 100 returns of 10.3%. One can invest in this Top Performing Best Mutual Fund for 2015.

Top-3: HDFC Top-200 Fund


Fund Objective:  The fund seeks capital appreciation and would invest 90 per cent in equity and balance 10% in debt instruments. The stocks are picked up from the companies in the BSE 200 Index as well as 200 largest capitalised companies in India

Fund Performance: This fund has beaten its peers and provided 15% annualised returns in last 5 years. If you have invested in this fund for Rs 1,000 per month through SIP for 5 years, your total investment would have been Rs 60,000 and your investment value would have been Rs 99,600 now. This is another best fund to invest for long term of 10+ years.

Why to invest: This MF scheme is a consistent performer. In long run of 10 years, it has given 22% annualized returns against S&P BSE 200 which just gave 15% annualized returns. This is one of the best mutual fund to invest in 2015 as it has performed well in various market cycles over a decade.

Top-4: HDFC MidCap Opportunities Fund


Fund Objective: This fund’s objective is to generate long-term capital appreciation from a portfolio of mid-cap and small-cap companies.

Fund Performance: This fund has beaten its benchmark and provided 25% annualised returns in last 5 years. If you have invested in this fund for Rs 1,000 per month through SIP for 5 years, your total investment would have been Rs 60,000 and your investment value would have been Rs 124,000 now. This is one of my favorite and best mid-cap fund to invest for the long term.

Why to invest: This fund performed excellent in last 5 years and given 25% annualised return comparing to CNX Midcap benchmark of 11.5% and overall category average of 18%. This fund has performed well in bad times in 2011, when the Sensex fell by 31 per cent, but this fund contained losses to 18.3 per cent and in 2013, when the fund rose by 9.6 per cent while its benchmark was in the red. This is one of the unique and best mutual funds for 2015.

Also Read: What are different types of Mutual funds in India?

Top-5: Franklin India Smaller Companies Fund


Fund Objective: This fund’s objective is to generate long-term capital appreciation from a portfolio of mid-cap and small-cap companies. It invests upto 75% in smaller companies.

Fund Performance: This fund has beaten its benchmark and provided 24% annualised returns in last 5 years. If you have invested in this fund for Rs 1,000 per month through SIP for 5 years, your total investment would have been Rs 60,000 and your investment value would have been Rs 138,000 now. This is one of the best top 10 mutual funds in mid-cap section to invest for long term of 8-10 years.

Why to invest: This fund differentiates itself from market cap orientation. This fund invests smaller portion in large cap and invests a sizeable amount in small companies, hence it can be termed as smaller stock fund. This fund performed excellent in last 5 years and given 24% annualised return comparing to CNX Midcap benchmark of 11.5% and overall.category average of 18.9%.

Top-5: UTI Mid Cap Fund


Fund Objective: This is an open-ended equity fund with the objective to provide 'Capital appreciation' by investing primarily in mid cap stocks.

Fund Performance: This fund has beaten its benchmark and provided 23% annualised returns in last 5 years. If you have invested in this fund for Rs 1,000 per month through SIP for 5 years, your total investment would have been Rs 60,000 and your investment value would have been Rs 134,000 now. This is one of the best funds to invest for long term of 8-10 years.

Why to invest: This fund invests majority in mid-cap funds which outperforms in shorter duration if one invests in the right mid-cap stocks.  This fund performed excellent in last 5 years and given 23% annualised return comparing to CNX Midcap benchmark of 11.5% and overall category average of 18.9%. High risk investors can invest in such mid-cap funds.

Top-7: Reliance Equity Opportunities fund


Fund Objective: This mutual fund plan objective is to invest in stocks across sectors which are influenced by ongoing economic reforms, FDI inflows and infrastructural changes.

Fund Performance: This fund has beaten its benchmark and provided 22% annualised returns in last 5 years. If you have invested in this fund for Rs 1,000 per month through SIP for 5 years, your total investment would have been Rs 60,000 and your investment value would have been Rs 116,000 now. This is one of the best funds to invest for long term of 8-10 years.

Why to invest: This fund performed well in last 5 years and given 22% annualised return comparing to S&P BSE 100 benchmark of 10.2% and overall category average of 19%. This invests in various sectors and hence this multi-cap is expected to perform well in future too. This is one of the best top 10 mutual funds scheme for 2015 (which is my favorite one).

Top-8: Franklin (I) High Growth Cos fund


Fund Objective: The fund invests in Indian companies/sectors with high growth rates or potential. It will focus on companies offering the best trade-off between growth, risk and valuation.

Fund Performance: This fund has beaten its benchmark and provided 20% annualised returns in last 5 years. If you have invested in this fund for Rs 1,000 per month through SIP for 5 years, your total investment would have been Rs 60,000 and your investment value would have been Rs 123,000 now. This is one of the best funds to invest for long term of 8-10 years.

Why to invest: This fund performed well in last 5 years and given 20% annualised return comparing to CNX 500 benchmark of 10.3% and overall category average of 14.3%. This invests in various sectors and hence this multi-cap is expected to perform well in future too.

Also Read: Which are the high return investments in small saving schemes in India?

Top-9: HDFC Balanced Fund


Fund Objective: This mutual fund scheme aims to generate capital appreciation from a combined portfolio of equity and debt instruments. This scheme invests up to 60% in equity and balance in debt related instruments.

Fund Performance: This fund has beaten its benchmark and provided 20% annualised returns in last 5 years. If you have invested in this fund for Rs 1,000 per month through SIP for 5 years, your total investment would have been Rs 60,000 and your investment value would have been Rs 106,000 now.

Why to invest: This fund performed well in last 10 years and given 20% annualised return comparing to balanced fund category of 10%. Equity centric balanced funds limit volatility by keeping part of investments in fixed income and regularly rebalancing the portfolio. This fund re-balances its portfolio with an aggressive equity part. I expect this to be one of the top and best mutual fund in 2015 which would provide good returns among hybrid funds.

Also Read: What is the difference between Growth and Dividend Option in Mutual Funds?

Top-10: ICICI Balanced Fund


Fund Objective: The scheme invests in equities and related securities as well as fixed income and money market securities. It invests 60% minimum in equity and balance in debt related instruments.

Fund Performance: This fund has beaten its benchmark and provided 18% annualised returns in last 5 years. If you have invested in this fund for Rs 1,000 per month through SIP for 5 years, your total investment would have been Rs 60,000 and your investment value would have been Rs 105,000 now.

Why to invest: This fund performed well in last 10 years and given 17% annualised return comparing to balanced fund category of 12%. It would reduce risk by investing part of the investment in debt instruments.

Top 10 Best SIP Mutual Funds to invest in 2015

Also Read: Top and Best Mutual Funds to invest in 2016

Note that you would not see schemes from some of the mutual fund houses like SBI Mutual Fund as they are not in top performing funds as per above analysis. 

Conclusion: These Top 10 Best SIP Mutual funds for 2015 can be invested through SIP to get good returns for the long term. This portfolio is designed for all types of investors. If you are a high risk investor, you can add more in the mid – cap portfolio. If you are moderate risk investor, you can add some more balanced mutual funds in your portfolio. Ideally, one can invest in this top-10 mutual funds equally through SIP which could be a strong portfolio.

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Suresh
Top 10 Best SIP Mutual Funds to invest in 2015

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