Indian stock markets have shown strong performance over the last few years, prompting investors to explore fresh opportunities for 2026. With AI-based recommendations gaining popularity, we decided to analyze the list generated by Google Gemini AI and evaluate whether the suggested funds truly stand strong based on the latest data available. This article provides a comprehensive analysis of the Top 10 Mutual Funds to Invest in 2026 as per Google Gemini AI, covering fund objectives, returns, risk levels, and suitable investor profiles.
Last year, Google Gemini Recommendation Mutual Funds for 2025 had 12 mtual funds.
What I Asked Google Gemini AI
To maintain transparency, here is the exact query posed to Gemini:
“As per you which are the Top 10 Best Mutual Funds to invest in 2026 across Largecap, Midcap, Smallcap, Flexicap and Global Funds to invest in India. I just need the List of mutual fund schemes.”
Gemini responded “Based on current market performance, consistency over 3-5 years, and forward-looking analysis for 2026, here is the curated list of the Top 10 Mutual Fund Schemes to invest in India across the requested categories.”.
Top 10 Best Mutual Funds to Invest in 2026 – As per Google Gemini AI
Below is the list generated from Gemini AI along with detailed performance analysis using data as on 28-Nov-2025.
| S No | Category | Mutual Fund Name | 5 Yrs CAGR |
|---|---|---|---|
| 1 | Largecap | Nippon India Large Cap Fund | 23.5% |
| 2 | Largecap | ICICI Prudential Large Cap Fund | 20.7% |
| 3 | Flexicap | Parag Parikh Flexi Cap Fund | 21.8% |
| 4 | Flexicap | HDFC Flexi Cap Fund | 26.9% |
| 5 | Midcap | Motilal Oswal Midcap Fund | 31.2% |
| 6 | Midcap | HDFC Mid Cap Fund | 27.8% |
| 7 | Smallcap | Nippon India Small Cap Fund | 30.4% |
| 8 | Smallcap | Bandhan Small Cap Fund | 29.9% |
| 9 | Global Funds | Motilal Oswal Nasdaq 100 FoF | 20.7% |
| 10 | Global Funds | Edelweiss US Technology Equity FoF | 15.6% |
Deep Dive into Top 10 Mutual Funds Recommended by Google Gemini AI for 2026
1) Nippon India Large Cap Fund
Fund Objective: Aims to invest in leading large-cap companies with strong fundamentals and consistent growth potential.
Key Details:
- Benchmark Index: Nifty 100 TRI
- Category Risk Level: High
- AUM: ₹48,871 Cr
- Expense Ratio (Direct Plan): 0.67%
CAGR Returns:
- 3 Years: 19.8%
- 5 Years: 23.5%
- 10 Years: 15.9%
Who Should Invest:
- Investors looking for stability and steady long-term wealth creation.
- Suitable for moderate-risk investors.
Risk Factors:
- Large-cap concentration risk
- May underperform in high volatility phases
This fund is among 6 Largecap Mutual Funds That Beat Their Indices Over 1, 3 and 5 Years.
2) ICICI Prudential Large Cap Fund
Fund Objective: Provides capital appreciation by investing in fundamentally strong large-cap stocks.
Key Details:
- Benchmark Index: Nifty 100 TRI
- Category Risk Level: High
- AUM: ₹75,863 Cr
- Expense Ratio (Direct Plan): 0.85%
CAGR Returns:
- 3 Years: 18.7%
- 5 Years: 20.7%
- 10 Years: 15.8%
Who Should Invest:
- Conservative equity investors
- Those seeking stable growth with lower downside risk
Risk Factors:
- Limited upside compared to aggressive peers
- Market-driven volatility
This fund is among the 8 Best Mutual Funds to Invest in 2026 as per ChatGPT.
3) Parag Parikh Flexi Cap Fund
Fund Objective: Offers diversified exposure across market caps with added global diversification.
Key Details:
- Benchmark Index: Nifty 500 TRI
- Category Risk Level: Very High
- AUM: ₹1,25,800 Cr
- Expense Ratio (Direct Plan): 0.63%
CAGR Returns:
- 3 Years: 21.8%
- 5 Years: 21.8%
- 10 Years: 18.3%
Who Should Invest:
- Long-term investors looking for stable, consistent performance
- Those seeking international allocation in equity portfolio
Risk Factors:
- Currency fluctuations
- Global market volatility
4) HDFC Flexi Cap Fund
Fund Objective: Invests dynamically across market caps based on opportunities.
Key Details:
- Benchmark Index: Nifty 500 TRI
- Category Risk Level: Very High
- AUM: ₹91,041 Cr
- Expense Ratio (Direct Plan): 0.68%
CAGR Returns:
- 3 Years: 21.9%
- 5 Years: 26.9%
- 10 Years: 17.3%
Who Should Invest:
- Investors seeking well-balanced diversification
- Suitable for long-term wealth creation
Risk Factors:
- Allocation-driven volatility
- Underperformance in sideways markets
Do you know that during last year, this fund was part of the Best Mutual Funds to Invest in 2025 from ChatGPT, Gemini & Deepseek AI.
5) Motilal Oswal Midcap Fund
Fund Objective: Targets high-growth midcap companies with scalable business potential.
Key Details:
- Benchmark Index: Nifty Midcap 150 TRI
- Category Risk Level: Very High
- AUM: ₹37,501 Cr
- Expense Ratio (Direct Plan): 0.69%
CAGR Returns:
- 3 Years: 27.6%
- 5 Years: 31.2%
- 10 Years: 19.2%
Who Should Invest:
- Investors with high risk tolerance
- Those looking for aggressive long-term growth
Risk Factors:
- Midcap volatility and liquidity risk
- Sharp drawdowns in corrections
6) HDFC Mid Cap Fund
Fund Objective: Focuses on mid-sized businesses with strong fundamentals and long-term growth prospects.
Key Details:
- Benchmark Index: Nifty Midcap 150 TRI
- Category Risk Level: Very High
- AUM: ₹89,383 Cr
- Expense Ratio (Direct Plan): 0.71%
CAGR Returns:
- 3 Years: 26.7%
- 5 Years: 27.8%
- 10 Years: 19.4%
Who Should Invest:
- Medium to long-term investors seeking high-growth opportunities
Risk Factors:
- Sector-based volatility
- Temporary underperformance during market correction
We have analysed this fund earlier and it is among 5 Best Midcap Mutual Funds to Invest based on Rolling Returns.
7) Nippon India Small Cap Fund
Fund Objective: Invests in emerging small-cap companies with strong future growth prospects.
Key Details:
- Benchmark Index: Nifty Smallcap 250 TRI
- Category Risk Level: Very High
- AUM: ₹68,969 Cr
- Expense Ratio (Direct Plan): 0.63%
CAGR Returns:
- 3 Years: 22.4%
- 5 Years: 30.4%
- 10 Years: 21.2%
Who Should Invest:
- Long-term investors willing to tolerate volatility
Risk Factors:
- Liquidity challenges
- High volatility during bear markets
8) Bandhan Small Cap Fund
Fund Objective: Aims to identify high-growth potential companies in the small-cap segment.
Key Details:
- Benchmark Index: Nifty Smallcap 250 TRI
- Category Risk Level: Very High
- AUM: ₹17,380 Cr
- Expense Ratio (Direct Plan): 0.4%
CAGR Returns:
- 3 Years: 32.0%
- 5 Years: 29.9%
Who Should Invest:
- Aggressive investors
- Ideal for long-term wealth creation
Risk Factors:
- High volatility
- Small-cap downturn risks
This fund is among 13 Best Mutual Funds Rated 5-Star by Value Research (30%+ CAGR in 5 Years).
9) Motilal Oswal Nasdaq 100 FoF
Fund Objective: Provides exposure to top U.S. technology and innovation-driven companies.
Key Details:
- Benchmark Index: Nasdaq 100
- Category Risk Level: Very High
- AUM: ₹6,635 Cr
- Expense Ratio (Direct Plan): 0.21%
CAGR Returns:
- 3 Years: 34.4%
- 5 Years: 20.7%
Who Should Invest:
- Investors seeking global tech exposure
- Ideal for long-term growth-oriented portfolios
Risk Factors:
- Currency risks
- U.S. tech sector volatility
10) Edelweiss US Technology Equity FoF
Fund Objective: Invests in global technology-oriented equity funds with a focus on U.S. tech giants.
Key Details:
- Benchmark Index: NASDAQ-based international fund basket
- Category Risk Level: Very High
- AUM: ₹3,866 Cr
- Expense Ratio (Direct Plan): 1.51%
CAGR Returns:
- 3 Years: 35.6%
- 5 Years: 15.6%
Who Should Invest:
- Investors seeking thematic exposure to global technology
- Best for long-term investors comfortable with global market cycles
Risk Factors:
- International regulatory risks
- High sector concentration
This was among 10 Best Performing Funds in the last 1 year with 35% returns.
Should We Trust AI Tools Like Google Gemini for Investment Choices?
AI tools like Google Gemini are becoming powerful research companions. They excel at:
- Filtering funds based on performance and consistency
- Summarizing complex data
- Providing unbiased recommendations
- Offering quick comparisons across categories
However, they also come with limitations:
- Depend heavily on historical data
- Cannot predict future performance
- Do not consider your personal risk profile
- Recommendations may vary across AI platforms
It is always wise to cross-verify data from sources such as AMFI, Morningstar, ValueResearch, and fund factsheets.
Video Link
Here is the link of the video which shows my question to Google Geimini AI and and its response.
Summary of Performance
- Midcap and small-cap categories continue to outperform largecaps across multiple timeframes.
- Global funds led by tech-focused strategies delivered the highest 3-year returns.
- Flexi cap funds provide the right blend of diversification and risk-adjusted performance.
Performance of these Top 10 Mutual Funds Recommended by Gemini AI from Google for 2026
| S No | Mutual Fund Name | AUM in Crs | 3 Yrs | 5 Yrs | 10 Yrs |
|---|---|---|---|---|---|
| 1 | Nippon India Large Cap Fund | 48,871 | 19.8% | 23.5% | 15.9% |
| 2 | ICICI Prudential Large Cap Fund | 75,863 | 18.7% | 20.7% | 15.8% |
| 3 | Parag Parikh Flexi Cap Fund | 1,25,800 | 21.8% | 21.8% | 18.3% |
| 4 | HDFC Flexi Cap Fund | 91,041 | 21.9% | 26.9% | 17.3% |
| 5 | Motilal Oswal Midcap Fund | 37,501 | 27.6% | 31.2% | 19.2% |
| 6 | HDFC Mid Cap Fund | 89,383 | 26.7% | 27.8% | 19.4% |
| 7 | Nippon India Small Cap Fund | 68,969 | 22.4% | 30.4% | 21.2% |
| 8 | Bandhan Small Cap Fund | 17,380 | 32.0% | 29.9% | – |
| 9 | Motilal Oswal Nasdaq 100 FoF | 6,635 | 34.4% | 20.7% | – |
| 10 | Edelweiss US Technology Equity FoF | 3,866 | 35.6% | 15.6% | – |
Conclusion
The Top 10 Mutual Funds recommended by Google Gemini AI offer an excellent mix of stability, growth, international diversification, and long-term wealth creation potential. While AI tools make research easier, ensure the final investment decision aligns with your financial goals, risk appetite and investment horizon.
If you’re planning your 2026 investment strategy, this curated list can be a strong starting point for building a robust and future-ready portfolio.
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very nice updation,
I take my dissition after consulting my financial adviser only.
thanks a lot.
very nice analysis by AI , I try to get advise from PMS which i have presently.
Soon after that I allocate my funds for investment.