Top 10 Best SIP Mutual Funds to invest in India in 2019

Top 10 Best SIP Mutual Funds to invest in India in 2019Top 10 Best SIP Mutual Funds to invest in India in 2019


We would be in the new year in another one month. Stock Markets continue to be volatile. In this scenario you might be thinking Which is the Best Mutual Fund to invest in India now in 2019.  Mutual Funds are one of the best ways to save money through SIP every month. Like every year, we have filtered Top 10 Best Mutual Funds to invest in India through Systematic Investment Plan (SIP). Whatever the goal could be, an investor can invest in these diversified portfolio of Top 10 Mutual Funds in 2019.

Also read: Best Tax Saving Mutual Funds to invest in India in 2019

How we filtered Top 10 Best SIP Mutual Funds to invest in India in 2019?


We have filtered these Top 10 Mutual funds for 2019 based on some of these key parameters.

1) Mutual Fund schemes that have performed well in 3 years, 5 years and 10 years time frame.

2) Mutual Fund Schemes that have overcome losses in the last 1 year due to stock market volatility.

3) Funds that have good rating by Value Research Online

4) Funds that have good rating by Crisil.

5) Mutual Funds that have AUM of over Rs 100 Crores which gives confidence to investors.

Some of these mutual funds have not performed well in the last 1 year due to stock market volatility. You need to keep this aside as your goal is to invest for long term of 8-10 years and over.

Top 10 Best SIP Mutual Funds to invest in India in 2019


Now let us jump into these Best Mutual Funds to invest in India.

Top#1 – ICICI Pru Blue Chip Fund


What is its investment Strategy?

The MF aims to generate long term capital appreciation and income distribution to investors from a portfolio that is predominantly invested in equity and equity related securities of large cap companies.

How this Fund Performing now?

This mutual fund scheme gave 15% annualized returns in the last 5 years and 20% annualized returns in the last 10 years. If you would have invested Rs 5,000 per month through SIP for 5 years, the invested value would have been Rs 3 Lakhs (Rs 5,000 x 60 months) and the value of the fund would have grown to Rs 4 Lakhs.  Even if you would have invested Rs 1 Lakh lumpsum amount 5 years back, it would have grown to Rs 2.1 Lakhs.

Why to invest?

This is one of the consistent performing mutual fund schemes. Its long term performance in 10 years is amazing. With VRO rating as 4 Star and Crisil as Rank-2, this is one of the best performing mutual funds in India that can be invested through SIP for 10-20 year period.

Top#2 – Aditya Birla SL Frontline Equity Fund


Best Mutual Funds to invest in 2019 - ABSL Frontline equity fundWhat is its investment Strategy?

The mutual fund aims for long term growth, 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, Nifty 50. The secondary objective

How this Fund Performing now?

This mutual fund scheme gave 15% annualized returns in the last 5 years and 19% annualized returns in the last 10 years. If you would have invested Rs 5,000 per month through SIP for 5 years, the invested value would have been Rs 3 Lakhs (Rs 5,000 x 60 months) and the value of the fund would have grown to Rs 3.8 Lakhs.  Even if you would have invested Rs 1 Lakh lump sum amount 5 years back, it would have grown to Rs 2.1 Lakhs.

Why to invest?

Even this fund is a consistent performer in large cap mutual funds segment. Its long term performance in 10 years is also good. With VRO rating as 4 Star and Crisil as Rank-3, this is one of the best mutual funds in India to invest through SIP for the long term.

Top#3 – HDFC Top 100 Fund


Best Mutual Funds to invest - HDFC top 100 fundWhat is its investment Strategy?

The scheme seeks to provide long-term capital appreciation/income by investing predominantly in Large-Cap companies.

How this Fund Performing now?

This mutual fund scheme gave 15% annualized returns in the last 5 years and 19% annualized returns in the last 10 years. If you would have invested Rs 5,000 per month through SIP for 5 years, the invested value would have been Rs 3 Lakhs (Rs 5,000 x 60 months) and the value of the fund would have grown to Rs 4 Lakhs.  Even if you would have invested Rs 1 Lakh lump sum amount 5 years back, it would have grown to Rs 2.05 Lakhs.

Why to invest?

Erstwhile this fund was called as HDFC Top 200. This fund has been consist performer in various stock market cycles. Its long term performance is at best. With VRO rating as 3 Star and Crisil as Rank-2, this is one of the good mutual funds to invest through Systematic Investment Plan (SIP) for 2019.

Top#4 – HDFC Mid-cap Opportunities Fund


Best Mutual Funds to invest in 2019 - HDFC midcap opportunities fundWhat is its investment Strategy?

The MF scheme objective is to provide long-term capital appreciation/income by investing predominantly in Mid-Cap companies.

How this Fund Performing now?

This mutual fund scheme gave 22% annualized returns in the last 5 years and 24% annualized returns in the last 10 years. If you would have invested Rs 5,000 per month through SIP for 5 years, the invested value would have been Rs 3 Lakhs (Rs 5,000 x 60 months) and the value of the fund would have grown to Rs 4.05 Lakhs.  Even if you would have invested Rs 1 Lakh lump sum amount 5 years back, it would have grown to Rs 2.75 Lakhs.

Why to invest?

This fund has beaten all its peers and gave 24% annualized returns in the long run of 10 years across various market cycles. With VRO rating as 5 Star and Crisil as Rank-3, this is one of the top mid-cap mutual funds invest in India in 2019.

Top#5 – Reliance Small cap Fund


Best Mutual Funds to invest in 2019 - reliance small cap fundWhat is its investment Strategy?

The mutual fund aims to generate long term capital appreciation by investing predominantly in equity and equity related instruments of small cap companies.

How this Fund Performing now?

This mutual fund scheme gave 14% annualized returns in the last 3 years and 30% annualized returns in the last 5 years. If you would have invested Rs 5,000 per month through SIP for 5 years, the invested value would have been Rs 3 Lakhs (Rs 5,000 x 60 months) and the value of the fund would have grown to Rs 4.65 Lakhs.  Even if you would have invested Rs 1 Lakh lump sum amount 5 years back, it would have grown to Rs 3.75 Lakhs.

Why to invest?

This mutual fund has 8 years of history. However, this fund has beaten all their peer mutual fund records and gave 30% annualized returns in the last 5 years even in difficult times.  With amazing annualised returns of 18% since inception, VRO rating of 5 Star, Crisil rating of Rank-3, this is one of the best mid-cap mutual funds to invest through SIP in India.

Top#6 – Mirae Asset Emerging Bluechip Fund


Best Mutual Funds to invest in 2019 - Mirae Asset Emerging Bluechip fundWhat is its investment Strategy?

This fund aims to generate income and capital appreciation from a diversified portfolio predominantly investing in Indian equities and equity related securities of large cap and midcap companies at the time of investment.

How this Fund Performing now?

This mutual fund scheme gave 17% annualized returns in the last 3 years and 28% annualized returns in the last 5 years. If you would have invested Rs 5,000 per month through SIP for 5 years, the invested value would have been Rs 3 Lakhs (Rs 5,000 x 60 months) and the value of the fund would have grown to Rs 4.8 Lakhs.  Even if you would have invested Rs 1 Lakh lump sum amount 5 years back, it would have grown to Rs 3.5 Lakhs by now.

Why to invest?

Even this fund was launched 8 years ago. This fund has beaten its peer mutual funds and gave 28% annualized returns in the last 5 years. With 21% annualised returns since inception of the fund and with VRO 5 Star and Crisil Rank-2, this is one of the top largecap-midcap mutual funds to invest in India for medium to long term of 8 to 10 years.

Top#7 – Franklin India Focused Equity Fund


Best Mutual Funds to invest in 2019 - franklin india focussed equity fundWhat is its investment Strategy?

The fund seeks to achieve capital appreciation by investing in Indian companies/sectors with high growth rates or potential.

How this Fund Performing now?

This mutual fund scheme gave 20% annualized returns in the last 5 years and 22% annualized returns in the last 10 years. If you would have invested Rs 5,000 per month through SIP for 5 years, the invested value would have been Rs 3 Lakhs (Rs 5,000 x 60 months) and the value of the fund would have grown to Rs 4 Lakhs.  Even if you would have invested Rs 1 Lakh lump sum amount 5 years back, it would have grown to Rs 2.5 Lakhs by now.

Why to invest?

This fund earlier was called as Franklin India High Growth Companies. It  is one of the consistent performing mutual fund that gave 22% annualized returns in the last 10 years. This proves the high level of confidence to investors that such funds can perform well in future too. With VRO rating as 3 Star and Crisil rating as Rank-4, this is one of the best diversified mutual funds to invest in India to invest for 8-10 year period.

Top#8 – Kotak Standard Multicap Fund


Best Mutual Funds to invest in 2019 - kotak standard multicap fundWhat is its investment Strategy?

This fund seeks to generate long term capital appreciation from a portfolio of equity and equity related securities, generally focused on a few selected sectors.

How this Fund Performing now?

This mutual fund scheme gave 13% annualized returns in the last 3 years and 19% annualized returns in the last 5 years. If you would have invested Rs 5,000 per month through SIP for 5 years, the invested value would have been Rs 3 Lakhs (Rs 5,000 x 60 months) and the value of the fund would have grown to Rs 4.15 Lakhs.  Even if you would have invested Rs 1 Lakh lump sum amount 5 years back, it would have grown to Rs 2.4 Lakhs by now.

Why to invest?

This fund earlier was called as Kotak Select Focus Fund. It is 9 years old fund. It has shown good performance in the last 6-9 years and gave 14% annualized returns since inception. With VRO rating as 4 Star and Crisil rating as Rank-2, this is one of the top Multicap funds to invest for medium to long term period in 2019.

Top#9 – HDFC Hybrid Equity Fund


Best Mutual Funds to invest in 2019 - hdfc hybrid equity fundWhat is its investment Strategy?

The Scheme seeks to generate capital appreciation / income from a portfolio, predominantly of equity & equity related instruments.

How this Fund Performing now?

This mutual fund scheme gave 17% annualized returns in the last 5 years and 20% annualized returns in the last 10 years. If you would have invested Rs 5,000 per month through SIP for 5 years, the invested value would have been Rs 3 Lakhs (Rs 5,000 x 60 months) and the value of the fund would have grown to Rs 3.5 Lakhs.  Even if you would have invested Rs 1 Lakh lump sum amount 5 years back, it would have grown to Rs 2.2 Lakhs by now.

Why to invest?

This fund was formed by merging 2 funds, i.e. HDFC Balanced Fund + HDFC Premier Multicap fund. Both these funds have been performing well in the last 8-10 years. VRO rated this as 4 Star fund. This is one of the good balanced mutual funds to invest in India in 2019.

Top#10 – ICICI Prudential Equity & Debt Fund


Best Mutual Funds to invest in 2019 - icici pru equity and debt fundWhat is its investment Strategy?

The fund aims to generate long-term capital appreciation and current income by investing in a portfolio that is investing 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% to 80% with a minimum of 51%, and the approximate debt allocation is 40% to 49%, with a minimum of 20%.

How this Fund Performing now?

This mutual fund scheme gave 17% annualized returns in the last 5 years and 18% annualized returns in the last 10 years. If you would have invested Rs 5,000 per month through SIP for 5 years, the invested value would have been Rs 3 Lakhs (Rs 5,000 x 60 months) and the value of the fund would have grown to Rs 4 Lakhs.  Even if you would have invested Rs 1 Lakh lump sum amount 5 years back, it would have grown to Rs 2.15 Lakhs by now.

Why to invest?

This fund has been performing well in the last 15-20 years. Since inception (20 years), it gave 14% annualized returns. VRO rated this as 4 Star and Crisil as Rank-2.  This is a unique balanced mutual fund to invest in India through SIP that has 20 year performance history.

Here is the summary of top 10 mutual funds for 2019


Top 10 Best SIP Mutual Funds to invest in India in 2019 - Mutual Funds list

Who can invest in these Top 10 Mutual Funds?


These 10 mutual funds portfolios consist of 3 Large cap funds, 3 Midcap/small cap funds, 2 multi-cap funds and 2 balanced funds. Hence this portfolio is suitable for most of the investors who want to create wealth for child education, for accumulation of wealth, retirement plans, etc.,

1) One should note that while all mutual fund schemes carry risk, Midcap/small cap funds are high risk.

2) If you are a high risk investor, you can invest more %age of your portfolio in midcap/smallcap funds.

3) If you are a moderate risk taker, you can just go with this ideal portfolio.

4) If you are conservative investor, you can add more in large cap and balanced mutual funds segment and avoid Midcap/small cap funds.

Readers, what is your view about the article on best mutual funds to invest in India in 2019.

If you enjoyed this article, share it with your friends and colleagues through Facebook and Twitter.

Suresh

Top 10 Best SIP Mutual Funds to invest in India in 2019

38 comments

  • Nitin Shevale

    Hello Suresh,

    I have selected trailing MF as per the goals, please do correct me if I need to make any changes in them

    Emergency Fund Allocation
    Edelweiss Arbitrage Fund-Direct-Growth +Axis Liquid Fund-Direct-Growth

    Short Term (3-5 yrs) Total-3000/-
    Franklin India Low Duration Fund -Direct-Growth 3000/-

    Medium Term (Son Graduation) (15-17 yrs) 12000/-
    Franklin India Smaller Companies fund-Direct-Growth (Small Cap) 4000/-
    L&T mid Cap Fund-Direct-Growth (Mid Cap) 4000/-
    Axis Blue Chip Fund-Direct-Growth (Large Cap) 4000/-

    Long Term (Retirement Allocation (25+yrs) 12000/-
    L&T Emerging Business Fund-Direct-Growth (Small Cap) 4000/-
    HDFC Midcap Opp. Fund-Direct-Growth (Midcap) 4000/-
    Aditya Birla Sun Life Equity Fund-Direct-Growth (Multicap) 4000/-

    Checked with common stocks and portfolio overlap (approximately 4-5 % )
    Equity & Debt ratio – 70:30 As the time duration is more have included midcap,small cap and multicap in the portfolio

    Appreciate your effort and good work, Thanks in advance.

  • Alankar Tiwari

    Dear Mr. Suresh,

    Thanks for the nice Article,

    I have invested in the following Mutual Funds.

    1. SBI Blue Chip Fund ( Growth)
    2. ICICI Prudential Value Discovery Fund (Growth)
    3. ICICI Prudential Export and Other Services (Growth)
    4. Franklin Build India Fund (Growth)
    5. Mirae Asset Emerging Blue Chip Fund (Growth)
    6. DSP Small Cap Fund (Growth)

    I have a long term Horizon of 10 years. Please advise if these are right funds.

    Looking forward to your response.

    Thanks & Best Regards,

    Alankar Tiwari

    • You are investing in good funds except for few observations 1) ICICI Value discovery fund is high risk fund and has been under performing for some time. You can review and exit 2) ICICI Pru Export and other services fund and franklin build india fund are sector funds and high risk. You need to keep monitoring such funds regularly every quarter to ensure there is no down turn in such sector.

  • Promod

    Dear Sureshji,

    I have invested in some mutual funds through SIP. Can you please advise whether I have to switch to any other funds or I can continue the below investments?

    1) Aditya Birla Sunlife MNC Fund – Growth – Regular Plan
    2) Aditya Birla Sunlife Pure Value Fund – Growth – Regular
    3) Canara Robeco Regular Equities
    4) DSP Small Cap Fund – Regular Plan – Growth
    5) Franklin India Focused Equity Fund – Growth
    6) Franklin India Smaller Companies Fund – Dividend
    7) HDFC Midcap Opportunities Fund – Regular Plan Growth
    8) Kotak Emerging Equity Scheme Growth (Regular Plan)
    9) SBI Blue Chip Fund – Direct Plan – Growth
    10) Tata Value Fund Series-1 – Regular Plan Growth (NFO)

    Presently i am investing around Rs. 28000/- per month. These funds i am investing since 3 years. I am planning to invest to another 7 years.

    Regards

  • Nagesh Lingayat

    Informative blog! Thanks for sharing it.

  • Prashant

    Hello Suresh ji

    My portfolio is as below

    1)icici bluechip equity 3k
    2)BSL Frontline equity 3k
    3)DS TAX saver 5k
    4)DSP small cap 3k
    5)FR smaller companies 1k
    6)MIR Asser emerging bluchip 2k
    7)Franklin Prisma 2k
    8)kotak standard multicap 4k
    9)Motilal most focused 35- 4k
    10)parag parikh equity 3k

    At present I am investing 27k per month
    Now I am planning to increase it to 35k per month
    I know I have more funds in my portfolio but I think it’s OK

    Please suggest me whether I have to exit from any of the above funds?
    My age is 34 and I have long term horizon
    Thanks

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