While there was huge market correction in the last 6 months, there are still several mutual funds that has outperformed the benchmark and peers. It is always beneficial to analyze such funds to determine whether they are suitable for our investment portfolios. This article provides insights into 10 mutual fund schemes with 1-year returns between 12% and 21% during 10-Mar-2024 to 9-Mar-2025.
10 Mutual Fund Schemes with 1-Year Returns Between 12% to 21%
This list includes all equity funds, however excludes, ETFs, Global Funds, thematic or sector related funds.
Here is the list of top-performing mutual funds in the last year:
- Motilal Oswal Large Cap Fund – 1-Year Return: 21.2%
- Motilal Oswal Small Cap Fund – 1-Year Return: 20.9%
- Motilal Oswal Midcap Fund – 1-Year Return: 17.5%
- Motilal Oswal Flexi Cap Fund – 1-Year Return: 16.3%
- Bandhan Small Cap Fund – 1-Year Return: 16%
- Invesco India Mid Cap Fund – 1-Year Return: 15.2%
- Invesco India Focused Fund – 1-Year Return: 14.5%
- WhiteOak Capital ELSS Tax Saver Fund – 1-Year Return: 12.3%
- LIC MF ELSS Tax Saver Fund – 1-Year Return: 12.2%
- SBI Multicap Fund – 1-Year Return: 12.2%
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Investment Objective and Performance Details
#1 – Motilal Oswal Large Cap Fund
Investment Objective: The fund aims to provide long-term capital appreciation by investing predominantly in large-cap stocks.
Performance Details:
- 1-Year Return: 21.24%
Our View: This is relative new mutual fund with short term performance history. Large-cap funds are relatively stable compared to mid and small-cap funds. This fund has generated strong 1-year returns, making it an attractive option for conservative to moderate investors looking for long-term wealth accumulation. Investors can also review 6 Largecap Mutual Funds that generated over 13% CAGR returns in the last 10 years.
#2 – Motilal Oswal Small Cap Fund
Investment Objective: The scheme aims to provide capital appreciation by investing in a diversified portfolio of small-cap companies.
Performance Details:
- 1-Year Return: 20.92%
Our View: Even this is relative new mutual fund with short term history. Small-cap funds have performed exceptionally well in the short term, but they come with high volatility. Investors with a high-risk appetite and a long-term investment horizon can consider adding Small Cap Mutual Funds to their portfolio.
#3 – Motilal Oswal Midcap Fund
Investment Objective: The fund focuses on mid-sized companies with high growth potential.
Performance Details:
- 1-Year Return: 17.5%
- 3-Year Annualized Return: 31.7%
- 5-Year Annualized Return: 28.6%
- 10-Year Annualized Return: 17.4%
Our View: Midcap funds balance risk and return, offering higher potential than large caps but lower volatility than small caps. This fund is suitable for investors seeking moderate-to-high growth. We have recommended this fund as part of Best Lumpsum Mutual Funds to invest in 2025.
#4 – Motilal Oswal Flexi Cap Fund
Investment Objective: The fund aims to provide capital appreciation by investing across market capitalizations – large, mid, and small caps.
Performance Details:
- 1-Year Return: 16.3%
- 3-Year Annualized Return: 23.7%
- 5-Year Annualized Return: 17.2%
- 10-Year Annualized Return: 13.1%
Our View: Flexi-cap funds offer diversification across market segments. This fund is a good choice for investors looking for balanced exposure to various market caps. Many Flexicap Mutual Funds have turned ₹ 1 Lakh to 2.5 – 3.8 Lakhs in last 5 years.
#5 – Bandhan Small Cap Fund
Investment Objective: The fund invests in small-cap stocks with high-growth potential.
Performance Details:
- 1-Year Return: 16.06%
- 3-Year Annualized Return: 29.0%
- 5-Year Annualized Return: 34.4%
Our View: This fund has delivered strong returns in the last year, but investors should be cautious as small-cap funds tend to be highly volatile.
#6 – Invesco India Mid Cap Fund
Investment Objective: The scheme aims to provide capital appreciation by investing in mid-sized companies with strong fundamentals.
Performance Details:
- 1-Year Return: 15.2%
- 3-Year Annualized Return: 24.8%
- 5-Year Annualized Return: 24.6%
- 10-Year Annualized Return: 16.7%
Our View: Top Midcap funds can offer good returns with relatively lower volatility than small-cap funds. Investors with a moderate risk appetite can consider this option.
#7 – Invesco India Focused Fund
Investment Objective: A focused fund that invests in a concentrated portfolio of selected stocks.
Performance Details:
- 1-Year Return: 14.57%
- 3-Year Annualized Return: 22.9%
Our View: Focused funds carry higher risk due to limited diversification. Suitable for investors with a high-risk appetite.
#8 – WhiteOak Capital ELSS Tax Saver Fund
Investment Objective: A tax-saving mutual fund that provides deductions under Section 80C.
Performance Details:
- 1-Year Return: 12.39%
Our View: This fund was launched in Oct-2022 and has short term performance history. This ELSS fund provides tax benefits along with capital appreciation. Suitable for investors looking to save tax and invest for the long term.
#9 – LIC MF ELSS Tax Saver Fund
Investment Objective: A tax-saving equity fund that provides long-term growth and tax benefits.
Performance Details:
- 1-Year Return: 12.23%
- 3-Year Annualized Return: 17.3%
- 5-Year Annualized Return: 16.4%
- 10-Year Annualized Return: 11.4%
Our View: Similar to other ELSS funds, this is a good option for investors seeking tax savings under Section 80C.
#10 – SBI Multicap Fund
Investment Objective: The scheme invests across large, mid, and small-cap stocks to provide diversified exposure.
Performance Details:
- 1-Year Return: 12.18%
Our View: This fund was launched in Mar-22 and has only 2 years performance histsory. Multicap funds offer diversification and reduce risk compared to pure small or mid-cap funds. Suitable for moderate-risk investors.
Conclusion: These top-performing mutual funds have delivered impressive returns in the last year. However, past performance does not guarantee future returns. Investors should consider their risk appetite, financial goals, and investment horizon before investing. Diversifying across different categories such as large-cap, mid-cap, small-cap, and flexi-cap funds can help manage risks effectively.
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Dear Sir,
I am a loyal follower of your well-researched valuation of Mutual Fund Schemes.
I would like to request you to please publish an article on –
” Mutual Fund Schemes with Best Rolling Returns”
Looking forward to see this article soon from your desk.
Thanks & Regards,
Sure Darshan