When it comes to mutual fund investments, many investors look for consistent performance over the long term, and third-party ratings like those from CRISIL (Credit Rating Information Services of India Limited) add an extra layer of trust. Today, we bring to you a list of top 10 CRISIL 5-star rated mutual funds that have delivered an impressive Compound Annual Growth Rate (CAGR) of over 30% in the last 5 years. These funds not only boast of high returns but also come with high credibility ratings.
What is CRISIL Mutual Fund Ranking?
CRISIL Mutual Fund Rankings are assigned based on a combination of quantitative and qualitative parameters. These include historical performance, risk-adjusted returns, portfolio concentration, liquidity, and fund manager track record. The ranking ranges from 1 to 5 stars, with 5-star rated funds considered top performers in their category.
Let us now look at the 10 mutual fund schemes with CRISIL 5-star ratings and 5-year returns of more than 30% CAGR.
Fund Category Wise List of CRISIL 5-Star Funds with Over 30% CAGR
Mid Cap Funds
- Motilal Oswal Midcap Fund (39.9%)
- Edelweiss Mid Cap Fund (36.0%)
Small Cap Funds
- ITI Small Cap Fund (33.9%)
Focused Funds
- HDFC Focused 30 Fund (33.8%)
- ICICI Prudential Focused Equity Fund (30.5%)
Flexi Cap Funds
- HDFC Flexi Cap Fund (33.2%)
Large & Mid Cap Funds
- ICICI Prudential Large & Mid Cap Fund (32.7%)
Sectoral/Thematic Funds
- Bank of India Manufacturing & Infrastructure Fund (34.5%)
- DSP Natural Resources and New Energy Fund (32.2%)
ELSS (Tax Saving) Funds
- HDFC ELSS Tax Saver (30.5%)
Detailed Mutual Fund Scheme Analysis (Sorted by Category)
Mid Cap Funds
#1 – Motilal Oswal Midcap Fund
- Fund Objective: Seeks to achieve long-term capital appreciation by investing primarily in midcap stocks.
- Annualised Returns:
- 3Y – 33.9%
- 5Y – 39.9%,
- 10Y – 19.1%
- Risks: High volatility, sectoral concentration
- Who Can Invest: Aggressive investors looking for long-term wealth creation through midcap exposure.
#2 – Edelweiss Mid Cap Fund
- Fund Objective: Aims to generate long-term capital appreciation from a diversified portfolio of midcap companies.
- Annualised Returns:
- 3Y – 30.7%
- 5Y – 36.0%
- 10Y – 19.2%
- Risks: Moderate to high risk due to midcap exposure
- Who Can Invest: Suitable for investors with medium to high risk appetite and a long-term investment horizon.
This MF is part of our earlier article on 10 Mutual Funds with 10 Year returns between 464% to 646%.
Small Cap Funds
#3 – ITI Small Cap Fund
- Fund Objective: Invests in equity and equity-related instruments of small-cap companies to provide long-term capital growth.
- Annualised Returns:
- 3Y – 32.5%
- 5Y – 33.9%
- Risks: Very high volatility due to small cap nature
- Who Can Invest: High-risk appetite investors with long-term goals.
Focused Funds
#4 – HDFC Focused 30 Fund
- Fund Objective: Focuses on a concentrated portfolio of up to 30 companies to generate long-term capital appreciation.
- Annualised Returns:
- 3Y – 28.5%
- 5Y – 33.8%
- 10Y – 15.9%
- Risks: High due to concentrated holdings
- Who Can Invest: Investors who believe in focused investing and can handle short-term volatility.
#5 – ICICI Prudential Focused Equity Fund
- Fund Objective: Invests in a focused portfolio of maximum 30 stocks across market caps.
- Annualised Returns:
- 3Y – 27.7%
- 5Y – 30.5%
- 10Y – 16.0%
- Risks: Concentrated risk, market cap exposure
- Who Can Invest: Suitable for investors seeking focused strategies with a long-term outlook.
Flexi Cap Funds
#6 – HDFC Flexi Cap Fund
- Fund Objective: Invests across market capitalizations (large, mid, small) for long-term growth.
- Annualised Returns:
- 3Y – 28.1%
- 5Y – 33.2%
- 10Y – 16.4%
- Risks: Moderate to high due to diversified equity exposure
- Who Can Invest: Suitable for long-term investors looking for a diversified equity portfolio.
This mutual fund is part of our earlier article on Best Mutual Funds as per Google Gemini AI for 2025.
Large & Mid Cap Funds
#7 – ICICI Prudential Large & Mid Cap Fund – Direct Plan – Growth
- Fund Objective: Invests in a mix of large and mid cap companies for balanced growth potential.
- Annualised Returns:
- 3Y – 26.7%
- 5Y – 32.7%
- 10Y – 16.4%
- Risks: Moderate
- Who Can Invest: Suitable for moderate-risk investors seeking a mix of stability and growth.
Sectoral/Thematic Funds
#8 – Bank of India Manufacturing & Infrastructure Fund
- Fund Objective: Focuses on investing in companies in the manufacturing and infrastructure space.
- Annualised Returns:
- 3Y – 29.4%
- 5Y – 34.5%
- 10Y – 17.9%
- Risks: High due to sectoral concentration
- Who Can Invest: Ideal for those who believe in India’s manufacturing and infrastructure growth story.
Investors can also read 10 Worst Peforming Mutual Funds in last 10 years
#9 – DSP Natural Resources and New Energy Fund
- Fund Objective: A thematic fund that invests in companies engaged in natural resources and new energy sectors.
- Annualised Returns:
- 3Y – 20.5%
- 5Y – 32.2%
- 10Y – 18.1%
- Risks: High sector-specific risk
- Who Can Invest: Thematic investors who understand commodity and energy sector trends.
ELSS (Tax Saving) Funds
#10 – HDFC ELSS Tax Saver
- Fund Objective: Offers tax benefits under Section 80C while aiming for long-term capital growth.
- Annualised Returns:
- 3Y – 27.1%
- 5Y – 30.5%
- 10Y – 14.2%
- Risks: Market-related risks with a 3-year lock-in
- Who Can Invest: Investors looking for tax-saving options u/s 80c with equity exposure.
Conclusion
These CRISIL 5-star rated mutual funds with over 30% CAGR in the last 5 years are ideal for investors looking for high-growth opportunities. However, high returns often come with higher risks. It’s important to align your investment choices with your financial goals, risk tolerance, and investment horizon.
Happy Investing!
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What about quant small cap fund
Its CRISIL 3 Star Rated Fund