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

86 comments

  • Sona Thapa

    Sir,
    I am 40 yrs old…i hv jst start a Rs 5000 sip in 5 fund…for the horizon of 10 years.I hv invest Rs 1000 in each fund.
    1) sbi blue chip fund (2) sbi magnum multicap fund (3) mirae asset equity fund (4) mirae emerging blue chip fund
    (5) kotak standard multicap fund..
    I would like to take 5 lakh sum assured for my mediclaim from star health plus
    and the last i would like to take 30 lakh term plan.
    Pl suggest me do i need to change something in my investment portfolia.

    • Hello Sona, You have selected good funds. You can continue to invest. 2) Mediclaim should be sufficient. 3) Rs 30 Lakhs term plan would depend on your current monthly expenses. You should take sum assured which should be sufficient for next 10-12 years expenses for your family. e.g. if you have Rs 20,000 monthly expenses in your family, you can consider Rs 20,000 x 12 x 10 = Rs 24 Lakhs.

  • Bonchi G Momin

    Hello, Sir
    My name is Bonchi Momin, age 23 years old and working as a fresher in a company.
    My plan is to have an working experience for the next 2019 and study MBA in 2020. Since I’m a fresher and have little knowledge about the investment funds I want you to guide me how and where to invest. Should I choose long term or short term?

    • Hello bonchi, Appreciate your interest in investment when you are just as a fresher in the company where you started your carrier. Keep 2 things in mind when you invest money (either in stocks or mutual funds). What is your risk appetite and what is your tenure? Since you are at young age, you can take high risk and then invest for medium to long term. Ideal investment options could be FD’s and mutual funds. FD’s can help you to keep some emergency money and mutual funds can help you to grow in medium to long term. You can open mutual fund with any mutual fund broker or ICICIdirect or fundsindia etc., Then create SIP( like monthly investment) and invest in 2-3 mutual funds. You can select large cap funds and balanced funds indicated in this article to start with. All the best.

  • Avijit Dutta

    Hello

    My name is Avijit and I am 30 years old. My wife is a home maker.

    I am listing my aims and what I have done so far. Can you please help e with what else can be done or any modifications if required.

    My aims are my retirement, child’s education, life & health Insurance and Emergency Fund.

    What I have done so far.

    1) For Emeregnecy Fund – I have accumulated 1 lakh in savings account.

    2) Health Insurance – Covered by my employer which covers me, my wife, maximum of two children, dad and mom.

    3) Life Insurance – Term policy for 2 Lakhs

    4) Retirement – I have a PPF policy for Rs 3000 a month for 15 years for now. NSC for Rs 6000 every quarter.

    5) Child’s Education – Time frame – 20 years from now.

    SBI Blue chip Fund – Rs 1000 a month for 20 years. Started – Sep 2018.
    Axis Mid cap – Rs 1000 a month for 20 years.Started – Oct 2018.
    Reliance Small cap fund – Rs 500 a month for 20 years. Started – Dec 2018.

    • Hello Avigit, Good to hear about you. 1) I hope your emergency fund, you have done a Fixed Deposit in a bank. If not, pls do it now 2) Health Insurance is covered, hence don’t need to worry. Just check if the sum insured is sufficient, otherwise, you can go for top-up by paying extra premium to your employer insurance 3) Term policy for Rs 2 Lakhs is very flow. You should consider your monthly expenses x 120 times. e.g. if your monthly expenses are Rs 20,000, your term insurance should be for minimum of Rs 20,000 x 120 = Rs 24 Lakhs. This is to ensure that your family survives for 10-15 years minimum in your absence 4) Instead of NSC, you can deposit it in PPF itself. PPF is great retirement tool. There is no tax on returns. In case of NSC, the returns are taxed 5) 3 funds which are largecap, midcap and smallcap. Since your horizon is 20 years, this portfolio is good. All the best for your future.

  • Binoy Dhokiya

    Hello Sir,

    My name is Binoy. age 33 years married and 1 kid with 1year age. my wife is home-maker.

    I need you to help me and to guide me about my investment porfolio as given below

    Emergency Fund – 2 lakh

    Franklin India Low Duration Fund

    Term Plan – 60 lakh (10% Increasing every year)

    Mutual Funds

    Child Education – 15 years – 40 lakh

    ABSL PURE VALUE – Direct – 2000 – Jan-18
    L&T EMERGING BUSINESS – Direct – 2000 – Dec-18

    Child Marriage – 25 years – 50 lakh

    RELIANCE SMALL CAP – Direct – 2000 – Jan-18

    Retirement – 27 years – 2.5 cr

    KOTAK STAND MULTICAP – Direct – 2000 – Jan-18
    MIRAE EMERG BLUECHIP – Direct – 2000 – Jan-18
    MOTILAL MULTICAP 35 FUND – Direct – 2000 – Jan-18

    Some Lumpsum as on Dec – 2017

    HDFC SMALL CAP – 50000
    ABSL SMALL CAL – 50000
    L&T INFRASTUCTURE – 50000

    all 3 lumpsum funds are in negative returns aprox 12-20 %

    i need ur suggestions regarding my current investments portfolio

    is my SIP fund selections are good as per specific goal selections?
    or need to switch or stop any of these…

    and also want to know about my lumpsum investment funds

    shall i keep continue with it or i stop any of the above running sip fund and start sip in lumpsum invested fund

    Please do the needful and guide me at right path of my investing career.

    • Hello Binoy, Good to hear about you and your 27 year financial plan. 1) Emergency fund in debt fund – Good, you can continue in this fund. 2) Child education in 15 years – Value fund + small cap fund. Good funds. You can think of adding a largecap or diversified fund too 3) Child marriage – You are investing in Reliance smallcap fund which is good fund. However, don’t depend on just 1 fund. Split that into 2-3 funds 4) Funds invested for retirement are good. You can continue to invest 5) Funds invested in lumpsum are good except for Infra. Infra funds are high risk. If you are high risk investor, you can continue to invest in this fund, else exit from such funds. All the best for your future.

      • Binoy Dhokiya

        Thank you soo much to give your precious time and support and your suggestions on my quires, will definetly try and follow your idea which you have given to me.

        as you said to add largecap or diversified fund for child education and also to add funds for his marriage goal so…

        can i add MIRAE ASSET INDIA EQUITY FUND for my child education goal

        and make STP from my existing L&T INFRASTRUCTURE FUND to start SIP in L&T MIDCAP FUND for his marriage goal..?

        Regards.

  • Nitin

    Hello Suresh Ji,

    Any suggestions or correction regarding trailing MFs

    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.

    • Your allocation is good. However for long term for retirement of 25 years, you should add diversified funds and largecap funds too which can provide protection to your portfolio from downside (especially which we are seeing in midcap/smallcap funds now)

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