Top 15 Best Mutual Funds SIP to invest in India in 2018

Top 15 Best Mutual Funds SIP to invest in India in 2018Top 15 Best Mutual Funds SIP to invest in India in 2018


Mutual Funds reclassification is completed now. There are several mutual fund schemes that are renamed. Some mutual funds are moved from one category to another. Stock markets are volatile, however not seen any major crash in blue chip stocks. However, Midcap and small cap mutual funds have shown lower returns in the last 6 months to 1 year. Investors are in little dilemma which are the top and best Mutual Funds SIP to invest in India in 2018. If you are one among such investor, this article is for you. We have picked up some of the top mutual funds to invest through SIP in 2018 in large cap, Midcap, small cap, multi cap and balanced fund category after the reclassification of mutual fund schemes.

Also Read: Best Performing Mutual Funds to invest in IT and FMCG

Top 15 Best Mutual Funds SIP to invest in India in 2018


These Top 15 mutual funds are picked-up based on some of the important parameters indicated here.

1) These funds are picked up based on highest returns received in the last 1,3 and 5 years.

2) Since markets have reached the peak and volatile too, we have considered 3 months returns also while ranking these funds.

3) Mutual Fund Schemes that are rated by Crisil as Rank-1, Rank-2 and Rank-3 are given preference as they indicate good fundamentals.

4) Value research Online (VRO) rated these SIP mutual funds as 5 star, 4 star and 3 star.

5) Funds has been further filtered based on AUM (Assets under management) > 500 Crores. This proves investor confidence among these mutual funds.

6) Direct Plans are excluded from such list.

3 Best Large Cap Mutual Funds SIP to invest in India in 2018


Top#1 – Mirae Asset India Equity Fund

Fund Objective: The mutual fund scheme aims to maximize long term capital appreciation by finding investment opportunities resulting from Indian economic growth and its structural shifts through investing in equity and equity related securities.

Fund Performance: This fund has provided 20% annualized returns in last 5 years. If one would have invested Rs 1,000 per month through SIP for 5 years, the total investment would have been Rs 60,000 and investment value would have grown to Rs 92,000.  If one would have invested Rs 1 Lakh lump sum 5 years back, the amount would have now grown to Rs 2.5 Lakhs.

Why to invest: Fund outperformed compared to its peers, making this as a unique mutual fund scheme. Crisil ranked as Rank-2 and value research online as 5-Star.  This is one of the best large cap mutual fund to invest in India.

Top#2 – UTI Equity Fund

Fund Objective: The scheme seeks to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies across the market capitalization spectrum.

Fund Performance: This fund has provided 17% annualized returns in last 5 years. If one would have invested Rs 1,000 per month through SIP for 5 years, the total investment would have been Rs 60,000 and investment value would have grown to Rs 90,000.  If one would have invested Rs 1 Lakh lump sum 5 years back, the amount would have now grown to Rs 2.1 Lakhs.

Why to invest: Even this fund outperformed compared to other large cap mutual funds. Crisil ranked as Rank-3 and value research online as 3-Star. This is one of the top large cap mutual fund to invest in 2018.

Top#3 – Aditya Birla Sun Life Frontline Equity Fund

Fund Objective:  The Scheme aims to generate long term growth of capital, through a portfolio with a target allocation of 100% equity by aiming at being as diversified across various industries and or sectors as its chosen benchmark index.

Fund Performance: This fund has provided 16% annualized returns in last 5 years. If one would have invested Rs 1,000 per month through SIP for 5 years, the total investment would have been Rs 60,000 and investment value would have grown to Rs 85,000.  If one would have invested Rs 1 Lakh lump sum 5 years back, the amount would have now grown to Rs 2.1 Lakhs.

Why to invest: This is the 3rd fund that has outperformed among the large cap funds. Crisil ranked as Rank-4 and value research online as 4-Star.

You may like: Best Largecap Mutual Funds to invest in 2018

3 Best Mid Cap Mutual Funds SIP to invest in India in 2018


Here are some recommendations in this category. These are already part of Top 5 Mutual Funds recommended by us earlier from in this category.

Top#4 – Canara Robeco Emerging Equities Fund

Fund Objective: The scheme seeks to generate capital appreciation by investing in a diversified portfolio of large and mid-cap stocks.

Fund Performance: This fund has provided 30% annualized returns in last 5 years. If one would have invested Rs 1,000 per month through SIP for 5 years, the total investment would have been Rs 60,000 and investment value would have grown to Rs 112,000.  If one would have invested Rs 1 Lakh lump sum 5 years back, the amount would have now grown to Rs 3.7 Lakhs.

Why to invest: This fund has outperformed among Midcap funds. Crisil ranked as Rank-3 and value research online as 4-Star. This is one of the best mid cap mutual fund to invest in India in 2018.

Top#5 – Aditya Birla Sun Life Pure Value Fund

Fund Objective: The scheme seeks to generate consistent long-term capital appreciation by investing predominantly in equity and equity related securities by following value investing strategy i.e buying into stocks that are trading for less than their intrinsic value – stocks that the market is undervaluing.

Fund Performance: This fund has provided 29% annualized returns in last 5 years. If one would have invested Rs 1,000 per month through SIP for 5 years, the total investment would have been Rs 60,000 and investment value would have grown to Rs 107,000.  If one would have invested Rs 1 Lakh lump sum 5 years back, the amount would have now grown to Rs 3.6 Lakhs.

Why to invest: This fund too has outperformed among Midcap funds. Crisil ranked as Rank-2 and value research online as 4-Star. This is one of the good mid cap mutual fund to invest in India.

Top#6 – L&T Midcap fund

Fund Objective: To generate capital appreciation by investing primarily in mid cap stocks. The Scheme will invest primarily in companies whose market capitalization falls between the highest and the lowest constituent of the Nifty Free Float Midcap 100 Index.

Fund Performance: This fund has provided 29% annualized returns in last 5 years. If one would have invested Rs 1,000 per month through SIP for 5 years, the total investment would have been Rs 60,000 and investment value would have grown to Rs 111,000.  If one would have invested Rs 1 Lakh lump sum 5 years back, the amount would have now grown to Rs 3.5 Lakhs.

Why to invest: This is the 3rd mid cap fund that outperformed among these mid cap funds. Crisil ranked as Rank-2 and value research online as 5-Star.

3 Best Small Cap Mutual Funds SIP to invest in India in 2018


Top#7 – Reliance Small Cap Fund

Fund Objective:  The scheme seeks to generate long term capital appreciation by investing predominantly in equity and equity related instruments of small cap companies.

Fund Performance: This fund has provided 35% annualized returns in last 5 years. If one would have invested Rs 1,000 per month through SIP for 5 years, the total investment would have been Rs 60,000 and investment value would have grown to Rs 125,000.  If one would have invested Rs 1 Lakh lump sum 5 years back, the amount would have now grown to Rs 4.5 Lakhs.

Why to invest: This fund has outperformed among small cap funds. Crisil ranked as Rank-1 and value research online as 4-Star. This is one of the best Small cap mutual fund to invest in India.

Top#8 – SBI Small Cap Fund

Fund Objective: The scheme seeks to provide investors with opportunities for long-term growth in the capital along with the liquidity of an open-ended scheme by investing predominantly in a well diversified basket of equity stocks of small cap companies.

Fund Performance: This fund has provided 35% annualized returns in last 5 years. If one would have invested Rs 1,000 per month through SIP for 5 years, the total investment would have been Rs 60,000 and investment value would have grown to Rs 131,000.  If one would have invested Rs 1 Lakh lump sum 5 years back, the amount would have now grown to Rs 4.4 Lakhs.

Why to invest: This fund too has outperformed among small cap funds, making it as a Top Small Cap fund. Value research online as 5-Star.

Top#9 – Franklin India Smaller Cos fund

Fund Objective:  The scheme aims to provide long-term capital appreciation by investing in mid and small cap companies. Normally, it would invest at least 75 per cent of its assets in smaller companies.

Fund Performance: This fund has provided 29% annualized returns in last 5 years. If one would have invested Rs 1,000 per month through SIP for 5 years, the total investment would have been Rs 60,000 and investment value would have grown to Rs 105,000.  If one would have invested Rs 1 Lakh lump sum 5 years back, the amount would have now grown to Rs 3.6 Lakhs.

Why to invest: This fund too outperformed among small cap funds, making it as a unique Small Cap fund. Crisil ranked as Rank-3 and value research online as 4-Star.

3 Best Diversified Multicap Mutual Funds SIP to invest in India in 2018


Top#10– Tata Equity PE Fund

Fund Objective:  This mutual fund aims provide capital appreciation by investing 70% in stocks having a trailing P/E ratio less than that of the BSE Sensex.

Fund Performance: This fund has provided 24% annualized returns in last 5 years. If one would have invested Rs 1,000 per month through SIP for 5 years, the total investment would have been Rs 60,000 and investment value would have grown to Rs 102,000.  If one would have invested Rs 1 Lakh lump sum 5 years back, the amount would have now grown to Rs 2.9 Lakhs.

Why to invest: This fund has outperformed among diversified mutual funds. Crisil ranked as Rank-1 and value research online as 5-Star.

Top#11– Invesco India Contra Fund

Fund Objective: The scheme seeks to generate capital appreciation by investing predominantly in Equity and Equity Related Instruments through contrarian investing.

Fund Performance: This fund has provided 24% annualized returns in last 5 years. If one would have invested Rs 1,000 per month through SIP for 5 years, the total investment would have been Rs 60,000 and investment value would have grown to Rs 100,000.  If one would have invested Rs 1 Lakh lump sum 5 years back, the amount would have now grown to Rs 2.9 Lakhs.

Why to invest: This fund too outperformed among diversified mutual funds in terms of performance. Crisil ranked as Rank-2 and value research online as 5-Star. This is one of the best diversified mutual fund to invest in India.

Top#12– Principal Multicap Growth Fund

Fund Objective: The fund seeks to achieve long-term capital appreciation through investment primarily in equities. With professional management and diversification provided the AMC, the risk will be considerably lower.

Fund Performance: This fund has provided 21% annualized returns in last 5 years. If one would have invested Rs 1,000 per month through SIP for 5 years, the total investment would have been Rs 60,000 and investment value would have grown to Rs 95,000.  If one would have invested Rs 1 Lakh lump sum 5 years back, the amount would have now grown to Rs 2.6 Lakhs.

Why to invest: Crisil ranked as Rank-1 and value research online as 5-Star. This fund has outperformed by giving 21% annualized returns among the category. This is one of the best diversified mutual fund to invest in 2018.

You may like: 10 Best Diversified Mutual Fund Schemes for 2018

3 Best Balanced Hybrid Mutual Funds to invest through SIP in 2018


Top#13– HDFC Balanced Fund

Fund Objective: The mutual fund scheme seeks to generate capital appreciation with current income from a combined portfolio of equity and debt instruments.

Fund Performance: This fund has provided 19% annualized returns in last 5 years. If one would have invested Rs 1,000 per month through SIP for 5 years, the total investment would have been Rs 60,000 and investment value would have grown to Rs 90,000.  If one would have invested Rs 1 Lakh lump sum 5 years back, the amount would have now grown to Rs 2.4 Lakhs.

Why to invest: This fund has outperformed among making it as top balanced mutual fund. Crisil ranked as Rank-1 and value research online as 4-Star. This is one of the best balanced mutual fund to invest in India.

Top#14– L&T Hybrid Equity Fund

Fund Objective: The scheme seeks to generate long-term capital appreciation from a diversified portfolio of predominantly equity and equity related securities and to generate reasonable returns through a portfolio of debt and money market instruments to help generating funds in the long term to save for the cost of children's education.

Fund Performance: This fund has provided 18% annualized returns in last 5 years. If one would have invested Rs 1,000 per month through SIP for 5 years, the total investment would have been Rs 60,000 and investment value would have grown to Rs 87,000.  If one would have invested Rs 1 Lakh lump sum 5 years back, the amount would have now grown to Rs 2.3 Lakhs.

Why to invest: This fund too has outperformed among its peers in this category. Value research online as 4-Star. This is one of the best balanced mutual fund to invest in 2018.

Top#15– ICICI Pru Equity and Debt Fund (Erstwhile ICICI Balanced Fund)

Fund Objective: The scheme seeks to generate long-term capital appreciation and current income by investing in a portfolio that is invested in equities and related securities as well as fixed income and money market securities. The approximate allocation to equity would be in the range of 60-80 per cent with a minimum of 51 per cent, and the approximate debt allocation is 40-49 per cent, with a minimum of 20 per cent.

Fund Performance: This fund has provided 17% annualized returns in last 5 years. If one would have invested Rs 1,000 per month through SIP for 5 years, the total investment would have been Rs 60,000 and investment value would have grown to Rs 87,000.  If one would have invested Rs 1 Lakh lump sum 5 years back, the amount would have now grown to Rs 2.2 Lakhs.

Why to invest: This fund has outperformed in the last 5 years compared to its peers. Crisil ranked as Rank-2 and value research online as 4-Star.

Also Read: Top 10 Sector Mutual Funds to invest in India

Summary of these Top 15 Best Mutual Funds SIP to invest in India in 2018


Performance of Top 15 Best SIP Mutual Funds to invest in 2018

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Suresh

Top 15 Best Mutual Funds SIP to invest in India in 2018

74 comments

  • Nikhil

    Dear sir,

     

    I am investing in below funds for past 1 year now. My investment horizon is long term (>10 years). Kindly suggest if the portfolio needs rebalancing as the returns for some funds are not up to the mark and I want to limit the funds to 3-4. Please suggest some new funds if rebalancing is needed.

    Fund

    Amount

    Equity

     

    Aditya Birla SL Frontline Equity Fund(G)

    2000

    DSPBR Midcap Fund-Reg(G)

    1000

    Franklin India Smaller Cos Fund(G)

    2000

    L&T India Value Fund-Reg(G)

    2000

    Reliance Small Cap Fund(G)

    2000

    SBI BlueChip Fund-Reg(G)

    2000

    Hybrid

     

    ICICI Pru Equity & Debt Fund(G)

    2000

    L&T Hybrid Equity Fund-Reg(G)

    2000

    Thanks,

    Nikhil

  • Dilip Kumar

    Dear Sir,
    I have the current MF portfolio as per below . Please advise on the funds that I have selected.
    Mirae Asset Emerging Bluechip Fund (G)- 3000 for 5 years
    PRINCIPAL EMERGING BLUECHIP FUND REGULAR PLAN GROWTH- 5000 for 5 Years
    SBI BLUE CHIP FUND – GROWTH- 3000 for 10 Years.
    ICICI Prudential Equity & Debt Fund – Direct Plan – Growth – 3000 for 25 years (recently started- my retirement fund).

    I would also like to add three more funds , 3000 each , 25 years for me and my wife (for retirement ) . Please advise

    Thanks
    Dilip

    • You are investing in good funds. Continue to invest in them. You can select any of the large cap, diversified or balanced funds from this article to add 3 funds in your portfolio

  • Kit

    My brother is planning to invest about 50k to 1 lac per month in SIP in the name of his son. Please suggest which funds should he go for anf how much to invest in each of them. His investmest horizon is long term for about 10-15 years

    • Since the investment horizon is 10-15 years which is long term, he can pick-up 2 funds each from Largecap, diversified, midcap/smallcap and balanced funds for a total of 6 to 8 funds. All funds indicated are good ones.

  • Sanjit Jai

    Respected Sir,

    First of all thanks for the informative articles . I keep on reading your articles on investment.

    Just one question which would be the best fund to invest as a  lumsum amount for long term. (say 10000).

  • raman

    Dear Sir, I am planning to invest in SIP for 10 – 15 years.
    (Rs. 1000 each in Growth option)

    1. Reliance small cap fund
    2. Canara rob emerging fund
    3. Mirae asset emerging bluechip reg
    4. L&T midcap fund reg
    5. HSBC smallcap fund
    6. Franklin india smaller cos fund
    7. aditya Birla SL pure value fund
    8. Principal emerging bluechip fund
    9. kotak emerging equity scheme
    10.Tata equity P/E fund
    11.HDFC midcap opportunities fund reg
    12.DSP Blackrock smallcap fund reg
    13.SBI bluechip fund reg
    14.UTI transportation & Logistic sector
    15.SBI smallcap fund
    16.Invesco india contra fund
    17.Edelweisss midcap fund reg
    18.Tata digital india fund reg
    19.Tata india consumerfund reg
    20.ICICI prudential value discovery fund
    21.Tata retirement fund – prog plan.

    Should I go ahead or some change is required.
    please advise.

    Thanks
    raman

    • Hello raman, first is you should be investing in so many funds (my god 21 funds :-)). You can cut them to 5-8 mutual fund schemes. Most of the funds are in smallcap, midcap, sector funds (except for last one which is retirement fund). If you are high risk investor, pick 2 funds from each of these categories and invest in them

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