Mutual Funds performance would vary during various market cycles. Investment in mutual funds needs to be done based on financial goals, risk appetite and tenure of investment. However, investors often tend to look beyond these parameters like returns, ratings from various agencies like Crisil, Value Research, Morning Star etc., One can also look for highest SIP return mutual funds + top rating by Crisil. In this article, we would provide the list of 5 Mutual Funds with Highest SIP returns which are rated as 5 Star from Crisil.
Also Read: 5 Debt Mutual Funds with Highest SIP Returns in last 10 years
What is Crisil Mutual Fund Rating?
Crisil Mutual Fund Ratings covers equity funds, debt funds and hybrid funds. Generally majority of the ranking models is based on returns or NAV. However, Crisil ranks mutual funds based on combination of NAV and portfolio based attributes for evaluation. This ranking considers key parameters such as risk-adjusted returns, asset concentration, liquidity and asset quality.
Crisil ranks mutual funds on a scale of 1 to 5. Rank-1 indicates “Very good performance” compared to its group peer. Among the group, it ranks 10% as Rank-1, next 20% as Rank-2 etc.,
How we filtered these Equity Mutual Funds?
We have considered the entire universe of equity mutual funds including sector funds / thematic mutual funds.
Funds that are rated by 5 Star (Rank-1 – Very good performance) are considered. We have further filtered where fund is existing in the last 5 years time frame. We could get 17 mutual fund schemes here.
We have checked the SIP returns in the last 5 years and ordered them in the highest to lowest.
We have finaly filtered 5 mutual funds with highest SIP returns and which are ranked by Crisil as 5 star (Rank-1).
Out of 5 funds, 4 are from Quant mutual funds and 5th is from SBI mutual fund.
5 Equity Funds with Highest SIP Returns + 5 Star rating by Crisil
Here is the list of Top Rated Mutual Funds from Crisil that generated highest SIP returns along with fund performance and where these funds currently invests.
#1 – Quant Small Cap Fund
The primary investment objective of the scheme is to seek to generate capital appreciation & provide long-term growth opportunities by investing in a portfolio of Small Cap companies.
Where does this scheme invest currently?
Currently, it invests in 75 stocks. It holds 57% smallcap stocks, 6.5% midcap stocks, 16% largecap stocks and balance in debt instruments or cash.
Its top holdings are ITC, Jindal Stainless, IRB Infra, PNB, RBL, Hindustan Copper, HFCl, Archean Chemicals and India cements.
Performance of the Fund
SIP Returns
3 Year SIP Returns – 42%
5 Year SIP Returns – 36%
10 Year SIP Returns – 22%
Annualised Returns
1 Year Returns – 14%
3 Year Annualised Returns – 56%
5 Year Annualised Returns – 24%
10 Year Annualised Returns – 16%
This fund generated highest SIP returns of 36% in the last 5 years. Value Research and Crisil rates this fund as 5 Star. Since this fund invests majorly in smallcap stocks, it is high risk investment. High risk investors can invest in such funds for medium to long term. Moderate to low risk investors should avoid such funds.
#2 – Quant Tax Plan
The investment objective of the Scheme is to generate Capital Appreciation by investing predominantly in a well-diversified portfolio of Equity Shares with growth potential. Investment in this fund qualifies for tax benefit u/s 80 c upto ₹ 1.5 Lakhs in financial year.
Where does this scheme invest currently?
Currently, it invests in 52 stocks. It holds 61% largecap stocks, 9.7% smallcap stocks, 9.6% midcap stocks and balance in debt instruments or cash..
Its top holdings are ITC, SBI, Reliance, HDFC Bank, Ambuja Cements, NTPC, Adani Ports, PNB, Patanjali Foods and LIC
Performance of the Fund
SIP Returns
3 Year SIP Returns – 29%
5 Year SIP Returns – 28%
10 Year SIP Returns – 23%
Annualised Returns
1 Year Returns – 11%
3 Year Annualised Returns – 43%
5 Year Annualised Returns – 23%
10 Year Annualised Returns – 22%
This fund generated 2nd highest SIP returns of 28% in the last 5 years. Value Research and Crisil rates this fund as 5 Star. Investors looking for tax savings u/s 80c with lockin period of 3 years can invest in such funds.
#3 – Quant Mid Cap Fund
The primary investment objective of the scheme is to seek to generate capital appreciation & provide long-term growth opportunities by investing in a portfolio of Mid Cap companies
Where does this scheme invest currently?
Currently, it invests in 28 stocks. It holds 41% midcap stocks, 26% largecap stocks, 11% smallcap stocks and balance in debt instruments or cash.
Its top holdings are ITC, PNB, Escorts, Voltas, Linde India, Patanjali Foods, LIC, Union Bank of India, Indiana Hotels and Bosch.
Performance of the Fund
SIP Returns
3 Year SIP Returns – 30%
5 Year SIP Returns – 27%
10 Year SIP Returns – 19%
Annualised Returns
1 Year Returns – 14%
3 Year Annualised Returns – 35%
5 Year Annualised Returns – 19%
10 Year Annualised Returns – 15%
This fund generated 3rd highest SIP returns of 27% in the last 5 years. Value Research and Crisil rates this fund as 5 Star. Since this fund invests in midcap companies, it is high risk. If you are high risk investor and willing to invest for medium to long term, you can invest in such funds. Moderate to low risk investors should avoid such funds.
#4 – Quant Active Fund
The primary investment objective of the scheme is to seek to generate capital appreciation & provide long-term growth opportunities by investing in a portfolio of Large Cap, Mid Cap and Small Cap companies.
Where does this scheme invest currently?
Currently, it invests in 61 stocks. It holds 39% largecap stocks, 25% smallcap stocks, 13% midcap stocks and balance in debt instruments or cash.
Its top holdings are ITC, SBI, Ambuja Cements, IRB Infra, PNB, Adani Ports, HDFC Bank, Tata Communications, Fortis Healthcare and Linde India.
Performance of the Fund
SIP Returns
3 Year SIP Returns – 26%
5 Year SIP Returns – 25%
10 Year SIP Returns – 21%
Annualised Returns
1 Year Returns – 9%
3 Year Annualised Returns – 38%
5 Year Annualised Returns – 21%
10 Year Annualised Returns – 20%
This fund generated 4th highest SIP returns of 25% in the last 5 years. Value Research has not rated this fund, however Crisil Rates this as 5 Star. This fund invests across various market cap and categorised as multicap fund. Since this fund invests in midcap and smallcap companies, it is high risk. While I am not favorable of investing in multicap funds, high risk investors can invest in such funds.
Also Read: Five Equity Funds with 1 Year Returns up to 24%
#5 – SBI Contra Fund
To provide the investor with the opportunity of long-term capital appreciation by investing in a diversified portfolio of equity and equity related securities following a contrarian investment strategy.
Where does this scheme invest currently?
Currently, it invests in 70 stocks. It holds 38% largecap stocks, 13% smallcap stocks, 11% midcap stocks and balance in debt instruments or cash.
Its top holdings are Gail, ICICI Bank, HDFC Bank, Tech Mahindra, Equitas SFB, Axis Bank, HDFC, Power Grid Corp, M&M Financial Services and ONGC.
Performance of the Fund
SIP Returns
3 Year SIP Returns – 30%
5 Year SIP Returns – 24%
10 Year SIP Returns – 17%
Annualised Returns
1 Year Returns – 19%
3 Year Annualised Returns – 36%
5 Year Annualised Returns – 15%
10 Year Annualised Returns – 15%
This fund generated 5th highest SIP returns of 25% in the last 5 years. Value Research and Crisil Rates this as 5 Star fund. This is categorised as value fund based on the investment objective. While I am not too favorable of investing in this category of funds, high risk investors can invest in such funds.
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Pl review my portfolio and advice me J can take moderate high risk my investment period is 4- 5 years ABSL FLEXICAP FUND ,DSP OPP FUND FRANKLIN BUILD INDIA FUND, HDFC BAL ADVANTSGEE FUND ,HDFC MULTI CAP FUND,MIRAE LARGECAP FUND ICICI TECBNOLOGY FUND,ICIC EQUITY & DEBTFUND,NIPPON SMALLCAPFUND,NIPPON VALUE FUND,TATA DIGITAL FUNX SBI BLUECHIPFJND,SUNDARAM SERVICEFUND, UTI FLEXICAP FUND ,UTI TRANSPORT & LOGISTICS FUND AND UTI VALUE OPP FUND THANKS
Hello Shankarnarayana, You have good funds in your portfolio, you can continue. If possible trim them to 5-7 funds max. Also if possible, avoid sector funds which are high risk.
Dear Mr Suresh K P,
Iam 75 yrs old with robest health. I have read your article and impressed. Kindly advise me which fund should invest in.I am ready to take reasonable risk. Should I invest in SIP or lumpsum. Kindly advise.
Regards,
B B Uppal
Hello Uppal garu, If you want to go with moderate risk, you can go for balanced or balanced advantage funds like HDFC Balanced advantage fund or ICICI balanced advantage fund. If you can take moderate to high risk, you can invest in largecap funds like Nippon Largecap Fund or Mirae Asset Large cap fund. Since markets are taking huge beatings now, you can invest lumpsum in 2-3 lots too.
Hi Suresh,
Please review below portfolio.
Canada robeco flexicap (SIP 10000)
PGIM india Midcap (SIP 4000)
Quant small cap ( SIP 5000)
Motilal oswal Nasdaq 100 FOF (SIP 1000)
The objective is to create wealth for long term. Please suggest if this portfolio needs any changes.
Good funds, you can continue