Best Mutual Funds to invest in 2021 – Best SIP for 2021 in India

Top 15 Best SIP Mutual Funds to invest in 2021Top 15 Best Mutual Funds to invest through SIP in 2021 India


Generally, mutual fund investors would invest in 3-5 mutual fund schemes through SIP and redeem as and when they need money. Instead of this, they should invest based on the risk appetite, financial goal and tenure. This way they can maximize the returns from such SIP mutual funds. Like every year, even this year, we are recommending top and best mutual funds to invest through SIP in 2021. This time instead of top 10 mutual funds, we would recommend Top 15 Mutual Funds for 2021. Which are the Top 15 Best SIP to invest in 2021 in India?

Also Read: International Mutual Funds with 1 year return of 75%

What are SIP Mutual Funds?

Systematic Investment Plan popularly known as SIP is the option provided by mutual fund houses where one can invest a small amount in a disciplined manner. You can invest in SIP Plans either daily, fortnightly, monthly, quarterly or yearly. Most popular one is monthly SIP. You can invest as low as ₹ 500 per month in SIP Plans.

How to choose SIP Mutual Funds?

Here are some tips on choosing Best Mutual Funds to invest in India.

1) Risk Appetite: Choose a SIP mutual fund based on your risk appetite (High risk, moderate risk and low risk). If you are low to moderate risk taker, no point in investing in a midcap mutual fund, which is meant for high risk takers. Investing in the correct SIP mutual fund would always reward you with higher returns.

2) Tenure of investment: Choose a mutual fund based on tenure you want to invest. This would help you to choose right mutual fund scheme. If you want to invest for 3 months, liquid mutual funds could be better. If you are looking to invest for 10 years, large cap mutual fund scheme / Flexicap mutual funds could be better options than debt mutual funds.

3) Fund Performance: When you choose a mutual fund scheme check how a mutual fund scheme performed in various market cycles. An extra step of checking the rolling returns i.e. checking consistency returns compared to peers and benchmark would always help you to invest in winning mutual funds.

4) Ranking and Ratings: Ranking given by Crisil and Ratings by Value Research could be taken additional parameters to assess the quality of the mutual fund scheme. This parameter should not be the sole reason to buy a SIP mutual fund.

Sector funds are avoided here. Index funds would work for strategy of long term investment, but many investors are still not in favor of it. while I am not against them, we have not considered in this article.

We have filtered based on the above criteria and came out with Top 15 Best Mutual Funds to invest in India through SIP in 2021.

Top 15 Best Mutual Funds to invest through SIP in 2021 in India

Here are Best SIP to invest in 2021 in India.

#1 – Mirae Asset Large Cap Fund

#2 – Axis Bluechip Fund

#3 – SBI Bluechip Fund

#4 – Canara Robeco Bluechip Equity Fund

#5 – Mirae Asset Emerging Bluechip Fund

#6 – SBI Small Cap Fund

#7 – Kotak Emerging Equity Fund Regular Plan

#8 – Axis Midcap

#9 – Axis smallcap

#10 – Kotak Standard Multicap Fund Regular Plan

#11 – Parag Parikh Flexicap fund

#12 – UTI Equity fund

#13 – SBI Equity Hybrid Fund

#14 – HDFC Hybrid Equity Fund

#15 – Canara Robecco Equity Hyrbid fund

Top 15 Best Mutual Funds to invest through SIP in 2021 – More Insights

Let us get into more insights about these funds.

Best Largecap Mutual Funds to invest through 2021

We have filtered 4 largecap mutual funds from this segment. Out of them 3 are already recommended by us last year. Canara Robeco Bluechip equity fund is a new entrant this year in our list.

Performance of these large-cap SIP mutual funds

Mutual Fund Scheme 1yr 3yr 5yr 10 Yrs
Mirae Asset Large Cap Fund 13.7% 8.4% 13.8% 13.5%
Axis Bluechip Fund 19.7% 14.7% 15.0% 12.5%
SBI Bluechip Fund 16.3% 7.6% 11.2% 11.8%
Canara Robeco Bluechip Equity Fund 23.1% 13.7% 14.5% 12.1%

* Annualised returns

Who should invest?

Largecap mutual funds would invest in largecap / bluechip stocks and provide stability to your portfolio. If you are moderate to high risk investor and willing to invest for 8 to 10 years, you can invest in these best largecap mutual funds to invest in 2021 through SIP.

Best Midcap and Smallcap Mutual Funds to invest in 2021

We have filtered 5 mutual funds from this segment. Out of them 3 are already recommended by us last year. Axis Midcap and Axis Smallcap funds are new entrants this year in our list.

Performance of these Midcap/Smallcap SIP mutual funds

Mutual Fund Scheme 1yr 3yr 5yr 10 Yrs
Mirae Asset Emerging Bluechip Fund 22.4% 9.9% 17.3% 20.1%
SBI Small Cap Fund 33.6% 4.4% 15.6% 18.9%
Kotak Emerging Equity Fund Regular Plan 21.9% 5.4% 13.1% 14.5%
Axis Midcap Fund 26.0% 13.2% 14.8% NA
Axis Small Cap Fund 22.4% 10.0% 13.8% NA

* Annualised returns

Who should invest?

Midcap and smallcap mutual funds would tap opportunities in midcap/smallcap stocks. While there are many multibagger midcap stocks and smallcap stocks, these are risky too. If you are a high risk investor and willing to invest for 10+ years, you can invest in such funds. Moderate or low risk investors should stay away from such high risk mutual funds.

Best Flexicap Mutual Funds to invest in 2021 through SIP

We have filtered 3 flexicap mutual funds from this segment. Out of them 1 is already recommended by us last year. UTI Equity Fund and Parag Parikh Flexicap funds are new entrants in this year.

Performance of these Flexicap SIP mutual funds

Mutual Fund Scheme 1yr 3yr 5yr 10 Yrs
Kotak Standard Multicap Fund 11.8% 7.5% 12.8% 12.6%
Parag Parikh Flexicap fund 32.3% 14.6% 15.0%
UTI Equity fund 31.6% 15.0% 14.9% 13.0%

* Annualised returns

Who should invest?

Flexicap mutual funds (erstwhile multicap funds) would invest across market cap. Such funds provide diversification to your portfolio. If you are moderate to high risk investor and willing to invest for 8-10 years, you can invest in these Flexicap / Multicap mutual fund schemes in 2021.

Best Hybrid Mutual Funds to invest in 2021 through SIP

Hybrid funds also known as balanced mutual funds. We have filtered 3 mutual funds from this segment. Out of them 2 are already recommended by us last year. Canara Robecco Equity Hybrid Fund is new entrant in this year.

Performance of these Hybrid / Balanced SIP mutual funds

Mutual Fund Scheme 1yr 3yr 5yr 10 Yrs
SBI Equity Hybrid Fund 12.9% 8.6% 11.1% 11.8%
HDFC Hybrid Equity Fund 13.4% 5.8% 10.6% 12.3%
Canara Robeco Equity Hybrid Fund 19.7% 10.6% 11.9% 12.4%

* Annualised returns

Who should invest?

Hybrid funds/ balanced funds would invest in equity and debt based on investment objective of the fund. The beauty of such funds is that while debt portion can provide stability, equity portion can provide growth in the fund. If you are moderate risk investor and willing to invest for 5+ years, you can invest in these Best Hybrid / balanced mutual funds.

How much should you invest in these funds?

I keep getting these kind of questions now and then saying what is an ideal mutual fund portfolio and which are the best mutual funds to invest for long term. This would depend on various factors. Here are a few tips that would help you to design your mutual fund portfolio. This is just an ideal mutual fund portfolio and one can fine tune them.

1) If you are young, willing to take risks (high risk taker) and invest for 20 to 30 years, you can consider the higher portion of mutual fund portfolio in midcap/smallcap, moderate portion in largecap/flexicap and hybrid portion. While there is no hard and fast rule, you can consider 50 : 25 : 25 (Midcap/Smallcap : largecap/flexicap : Hybrid fund).

2) If you are young or in 40’s, willing to take some risks (moderate to high risk taker) and invest for 10+ years, you can consider the moderate portion in all these categories of funds. Again, while there is no hard and fast rule, you can consider 30 : 40 : 20 (Midcap/Smallcap: large cap/flexicap: Hybrid fund).

3) If you are moderate risk taker / in 50’s and want to invest in 8-10 year tenure, avoid midcap/smallcap and consider your portfolio in other equity funds. Again, while there is specific rule, you can consider 40 : 60 (large cap/flexicap : Hybrid funds).

4) If you are a moderate risk taker, willing to invest for 5-8 years and want to balance your portfolio, invest in balanced mutual funds. You can also try an alternative option of investing in a combination of large cap/flexicap funds and debt funds. Another best way is to invest in balanced mutual funds.

 

Suresh KP

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64 comments

  1. Sir,

    I have 7lakh to invest . which I get it as a arrear of last 2 years. I want to invest iam planning this.

    A) 2 laks in liquid fund & STP of 2000 / day from liquid to icici flexi cap.
    B) 2Lakhs STP 2000/day from liquid to DSP quant fund
    C) 1Lakhs STP 1000/day from liquid to Axis small cap
    D)1Lakhs STP 2000/day from liquid to UTI flexi cap.
    E) 1Lakhs STP 2000/day from liquid to kotak eq. opportunity
    ( My time frame to invest is 5+ year)
    please give your valuable comments

    Rgds,

    1. Good funds except for Quant Funds. Such funds go by rule book and difficult to assess how such funds can perform in medium to long term. Add one fund from largecap or from global funds category too to balance your portfolio

      1. your comment means a lot before proceeding.

        Many thanks Suresh ji for giving continuous awareness & guidance through your blog.

  2. Hi Sir,
    I am investing in HDFC mid cap, franklin small cap, Franklin high growth (now focused fund) from last 7 year .Is this time to switch to better performing mutual fund or continue the same fund. Please suggest

    1. All these are consistent performer in various market cycles in the last 3 to 10 years. You can continue to invest. However, note that whatever you are holding is HIGH RISK portfolio. You should balance by adding largecap and balanced funds too.

  3. This Good article.. I have Couple of Quires.

    The Fund which has less AUM is risky since it could be started some years back. Same way When AUM is grown UP managing the Fund will be difficult for FM. So AXIS Blue ship and Midcap both are now good what about another 15 years works as it is now since it is AUM reached huge…?

    also for retirement planning example for 15 year what is the role of MID /SMALL cap Fuds will it will be required part of Port folio ?

    1. Veera, Regd AUM, yes avoid small AUM funds < 100 Crore. When the size is grown, mutual fund houses themselves are freezing for new investments. If retirement planning is done for next 15-20 years, one can still consider midcap/small cap funds. However, investing retirement corpus in midcap or smallcap funds could be risky.

  4. Hello sir
    I am thinking of investing in mutual fund from last 6 months but today only i saw your post and i want to invest 2-3k per month as sip for 3-5 years maybe more and want to get best possible return and have some options also like
    [Hdfc index fund sensex plan
    Parag parik long term equity fund
    Invesco india contra fund
    Axis small cap fund
    Mirae accet tax saver fund

    Should i go for this or what to do and how many to pic and which one? Sir plz reply immediately

    1. Hello Rajdeep, The selection of funds are good. However, these funds can generate good returns if you invest for medium to long term. Since your time horizon is only 3 to 5 years, these funds would be risky. You can go for balanced / hybrid funds indicated by us in the article if you wish you invest for this tenure

  5. What is your opinion on index funds.If the profile is of low risk,would it not be good to invest in index funds.

    1. Index funds would tend to perform well in medium to long term. In short term to medium term of say < 5 years, these are highly volatile. Your capital can go down. Hence index funds are for moderate to high risk investors. Low risk investors should stay away

  6. I have started SIP of Rs.6000/= per month from the current month in three schemes:
    ABSL Multicap Fund Normal Plan -> Rs.1000/-
    ABSL Digital India Fund -> Rs.2000/-
    SBI Blue Chip Fund Growth -> Rs.3000/-

    Have i made right choice? Any Suggestions?

    1. ABSL Digital Fund invests in technology sector which is high risk. If you are high risk investor, you can invest. Other two funds are good

  7. Hello Sir,
    My name is Naveen i am 36 years old i want invest approx 10000 per month for above 15 years i have no idea about SIP please suggest me to where will i invest and which one i will select.

    1. Regd funds selection, you can consider the funds indicated in this article. If you are new to investments, you can open account at Mycams, Zerodha etc., and invest in direct mutual fund schemes.

  8. Sir,
    I am 34 year old, unknown about Mutual funds. i read your blogs and searched about mutual funds. i want to invest lumsum amount for 3-5 yrs. please suggest me some mutual fund for Handsome return after 3-5 yr. and also suggest me i will diversify my lumsum amout into parts. or invest full amount into only one fund

    1. Hello Ankit, good to hear about you. If you can invest for 5 years atleast, you can invest in balanced funds indicated in this article. Since markets are at peak investing lumpsum ins not a good idea. You can invest in lots for next 9 months to 1 year.

  9. hi,
    Suresh, I am 28 years old and looking to start and sip my risk appetite is moderate or slightly high I want to start with 2000/month and increase the amount in the future I am looking for long term 10 or more years I don’t have any big specific goals just looking to maximize the wealth what kind of fund should I go for and should I start with 2000 in one fund or allocate to multiple funds

    1. Good to hear about you. Based on your risk appetite, you can go for largecap funds, flexicap funds and balanced mutual funds. You can consider funds from these categories indicated in this article

  10. Sir,
    I am 38 year old, unknown about Mutual funds. Recently read your blogs and searched about mutual funds. Now want to invest in mutual funds through SIP and consider “Parag Parikh Flexicap fund”. Please suggest any other option for me for a long period. Few amount I already invest in NPS and PF.

    1. Good to hear about you Khushal. Parag Parikh Flexicap fund is good fund, you can invest. You have to invest in mutual funds based on your risk appetite and tenure. Since you want to invest in long term, you can pick-up few funds indicated in this article based on your risk appetite. If you are not able to pick-up for some reason, indicate your risk appetite (high risk or moderate risk), I can guide you further

      1. Sir,
        As earlier told not much knowledge about mutual funds. Although i think moderate or slightly high risk would be good for me. Therefore I indicate Flexicap fund and consider Parag parikh. It would be nice for me, if you advise some other option.

        1. Got it. You can invest in largecap funds + multicap funds + balanced funds indicated in the article. You can invest through SIP. If you want to invest lumpsum, you can span such investments across 9-12 months as stock markets are at peak now

          1. Hi sir,
            I m 50 years old I want to invest lumpsum amount.
            Which fund should I select

          2. Since markets are at peak, you can invest in lots of say 5-6 months. Based on your age, you can consider balanced mutual funds and largecap mutual funds (indicated in the article) as these are between moderate to high risk.

  11. Hello Mr Suresh

    Long time follower, first time commenter. It’s literally taken me a good couple of years to be in a position where I can invest about 10k in mutual funds. I am 35 now, and looking to invest long term, with moderate risk.

    How well will the below stack work for me? Can you pl provide your suggestion

    Axis Midcap Equity-2500
    Mirage asset Bluechip-2500
    UTI Flexi Cap-1600
    Parag Parikh Flexi-1600
    SBI Equity-1800

    I am looking at long term where I can use the resulting money against a house or child education

    1. Good to hear about you. If you are moderate risk taker, you should avoid small cap or midcap funds. In this case Axis midcap is midcap which is only for high risk investor. You can avoid that. Other than this all other funds are good except for last one where you have not given complete name and just given SBI equity.

      1. It is SBI equity hybrid growth direct plan. Apologise for the delayed response.

        And, instead of axis can I put money on Kotak Emerging Equity ?

        1. SBI hybrid fund is good, you can invest. You can replace Kotak Emerging equity fund with Axis. You would have seen 1 year performance and would have taken this decision. But also check for 3 years and 5 years performance.

  12. I am 40 year old and investing 60,000 per month in following mutual funds. My goal is to create wealth of 1cr in next 5-7 years.I wanted to know the funds are right or not.

    Canara Robeco Emerging Equities-Regular Growth- 7000

    HDFC Mid Cap opportunities -G —-7000

    Kotak Standard multicap reg- g —7000

    L & T Midcap-G—7000

    Mirae Asset Hybrid Equity Reg-G–7000

    Mirae Asset Large Cap Reg-G—7000

    SBI Small cap-G—8000

    Mirae Asset Great Consumer Reg-G—3000

    HDFC Retirement Saving Fund Equity Reg-G–3000

    Also I have invested 1 Lakh Lumsum in Mirae Asset Focused Fund Reg-G in 2019.

    1. Hello Ashish, If your goal is 5 years, then you are investing in wrong funds that might not give good returns. Your portfolio contains midcap funds, largecap funds, smallcap funds and retirement savings funds which are meant for long term of say 8 to 10 years minimum. If your want to invest in 5-7 years, I would recommend you to stick to balanced mutual funds.

  13. Hello sir, in pandemic I started reading your column, your advices are good. I lost my job in pandemic and I’m preparing for a competitive exam. I want to invest, which is the best mutual fund or share market. 2nd I read ur blogs and research mutual fund and selected a few, can you tell me rather I can invest in these 4 MF or else or in the stocks market?
    1) axis long term equity fund tax.
    2) HDFC Hybrid Equity Fund.
    3) Parag Parikh Flexicap fund.
    4)Mirae Asset Emerging Bluechip Fund

    1. Sorry to hear you about your job loss. While I know you are preparing for competitive exam, if you are still interested in doing job in current situation, you can mail your resume to me (su****@my***************.com), I can float in my circle and see if I can help you.

      Coming to your queries, you have selected ELSS fund, hybrid fund, flexicap fund and large-midcap funds. All these are good for long term investment. You can invest through SIP. If you want to invest in lumpsum, you can check for any stock market correction of say 2,000 points and then invest

  14. Sir, Very recently I stared reading your column and is impressed with your advise.
    I am 71 years old a retired medical practioner. ihave invested nearly in 22 equity fund schemes (just by ignorance and a bit bad advise)in 6 large cap 4 mid caps and 5 multi cap and 3 focus equity fund. The schemes are Large cap Axis blue chip, mirraea asset large cap, Nippon large cap, IDBI top 100equity, ABSL Frntline equity
    Midcap –DSP and Kotak emergingeqity and HDFC Midcap opp. Multicap– IDFC Multicap,ICICI multi cap, Nippon multi cap.HDFC multicap. total is nearly 2 cr.

    now i want to reduce the schemes so pl. advise how should i do it and in what schemes.
    i want to include inex fund and NASDAQ 100 or SP 500.
    sorry for the inconvenience.

    1. Hello Bhuwan ji, Good to hear about you that at your age you are still preferring mutual funds to grow your money. You have indicated 22 schemes, but you have provided the smaller list. Instead of so many schemes, I would recommend you to keep 5 to 8 mutual funds spanning across various segments. I could pick-up few of them from your portfolio which are good.
      1) Axis blue chip fund
      2) Mirae Asset Largecap fund
      3) ABSL Frontline equity fund
      4) DSP midcap fund
      5) Kotak emerging bluechip equity
      6) HDFC Midcap Opps fund

      Balance you can review and exit.

      You can add Motilal Oswal NASDAQ 100 FoF as you wanted to invest in MASDAQ 100 also.

  15. Hi Suresh,

    It is nice article. I want to invents more and need your suggestion.
    I already have below funds. Shall I continue with same or add some more fund ?

    Nifty Next50 Index Fund-DP Growth
    DSP small and Mid cap fund
    ABSL Equity Fund-Growth-Direct
    HDFC Hybrid Equity Fund-Dir-Growth

    Regards,
    Manoj Jain

    1. Good funds that has 1 index fund, 1 small/midcap fund, 1 multicap fund and 1 hybrid fund. You can add largecap fund too like Axis bluechip fund or SBI bluechip fund etc.,

  16. Hi,
    good article.
    I’ve recently started SIP in below

    UTI Nifty Index Fund-Direct-Growth – 3500
    HDFC Index Fund Sensex Plan-Direct-Growth -3500
    ICICI Pru Nifty Next 50 Index Fund-Direct-Growth – 3000
    HDFC Hybrid growth – 3000

    I plant to invest 5000 more.

    are this good fund for 7+ years and where should I put my next 5000.

    Thanks
    priyanka

    1. Hello Priyanka, You have invested in all index funds which are good for long term. You also invested in HDFC hybrid fund which is balanced fund. You can add largecap or multicap funds to your portfolio. You can invest any of the following funds.

      1) Axis blue chip fund
      2) Parag Parikh flexicap fund

      1. Thanks a lot Suresh.

        Also is it a good idea to book profit in MF and leave the principle in after 7-8 years if the principle has doubled in those years

          1. Thnaks a lot.

            After your suggestion I added

            axis bluechip
            mirae emerging bluechip
            axis small cap to my portfolio…

            very nice blog articles.

  17. Hi, I would like to invest 50k as One time investment for short term duration (3-6 months). which is the best fund to invest. (high risk taker). Also i have the following MF. What is your opinion on this fund? Exit or Continue..
    1. ICICI Prudential Nifty Index Fund (1 year completed)
    2. ICICI Prudential Healthcare and diagnostic (PHD) Fund (6 months comp.)
    3. Quant Midcap Fund – (6 months comp.)

    Appreciate your reply..

    1. If you want to invest for short term of 3 to 6 months, you can go for ultra short term funds. Here are few funds in this segment
      1) ICICI Pru ultra short term fund
      2) Axis ultra short term fund

      Regd other funds indicated by you, these are good funds, you can continue. However ICICI Pru PHD fund is sector fund. One need to monitor pharma sector and then if there is down trend, one should exit

      1. Thank you so much for your immediate reply. I am a regular reader of your Article for the last few year. All the best.

  18. Dear Suresh
    Hope you are doing well!

    Below is my current MF portfolio. Could you please advise if any change is needed here.

    Mirae Asset Emerging Bluechip Fund (G) -Large and Mid- 3000
    PRINCIPAL EMERGING BLUECHIP FUND REGULAR PLAN GROWTH- Multi Cap 5000
    SBI BLUE CHIP FUND – GROWTH- Large Cap 3000
    ICICI Prudential Equity & Debt Fund – Direct Plan – Growth -Hybrid 3000
    SBI Equity Hybrid Fund – Direct Plan – Growth -Hybrid 3000
    HDFC Hybrid Equity Fund – Direct Plan- Hybrid 3000
    Mirae Asset Emerging Bluechip Fund – Direct Plan -Large and Mid 5000
    Kotak Standart Multicap Fund -Multi Cap 3000
    Axis Blue chip fund Large cap Direct Plan- Large Cap 5000

    Also, I am a Moderate to High-risk taker. Can I add Axis mid-cap/Parag Parikh Flexicap fund for 10 years or any other fund based on the above portfolio?

    Thank you

    Best Regards
    Dilip

    1. Hello Dilip, Good collection of funds from Multicap, Midcap, hybrid and blue chip category. Since you are high risk taker, you can add Axis midcap and Parag Parikh flexicap fund indicated by you. I would suggest you to add a small cap fund like SBI smallcap or Axis smallcap fund

  19. hi there,

    got nice information from your article,but still looking for advice , m thinking of sip (10k monthly amount) tenure 10 years, kindly suggest any icici mutual fund.and is this right time to invest??

    Regards,

    Gaurav

  20. I want to invest Rs.1000/= per month through SIP. I have no knowledge about this. Please give me some way to do so. Investing year should be maximum for five years.

    With thanks,

  21. Hi,

    I am completely new to this segment of investments and planning. Once in 2011 an SBI person asked me to invest in SIP and just for formality I said OK for Rs.500 per month auto-debit from bank account. He said that I would get the highest NAV of the whole tenure irrespective of the loss or gain by the SIP provider. After 36 months, in 2014 when I went to withdraw money, they gave me around 27k where I paid them only 18k based on the highest NAV till that date. I felt very happy for that but couldn’t invest again till now. Now I am planning to invest around 5k per month, but I didn’t remember the plan which I invested earlier.

    So, could you please advise me any SIP which gives highest NAV without risk of loosing money. You can call me a low to moderate risk taker. Any other suggestions would be appreciated:-)

    1. Hello Karteek, There is no such mutual fund which protects your capital. Equity funds are risky. Even debt funds became risky these days. However as per your note after 3 years you could see good money. This can happen when stock markets are doing good. Take example of 2020. Stock markets not worried about covid-19. Stock markets moved from 26K (Mar-20 low) to 48K now in Dec-20 end. Many investors gained from such move too. However, it is not always possible to get such positive returns in short span. If you are low to moderate risk taker, you can invest in balanced mutual funds or medium duration debt mutual funds

      Hybrid Funds – 1) SBI Equity Hybrid Fund 2) HDFC Hybrid Equity Fund 3) Canara Robeco Equity Hybrid fund
      Medium duration Debt funds – 1) SBI Magnum medium duration fund 2) IDFC Bond medium term 3) HDFC Medium term debt fund

  22. Hi Sujith,
    Hope you are doing well and your explanation is good.

    I had already invested 3K in SBI small cap fund in May 2018. I want to invest another 8K in mutual funds – Could you please suggest How can I split my investment ‘s. From your article I had picked up some of the funds and someone can assist me in investing in direct funds

    Parag Parikh Flexicap fund , UTI Equity fund Flexi cap funds.
    Axis Midcap Fund / Axis Small Cap Fund / Mirae Asset Emerging Bluechip Fund – Mid/Small cap funds

    Axis Bluechip Fund Large cap fund
    Canara Robeco Equity Hybrid Fund

    1. Hello Ashok, Good to hear about you. Fund selection should happen based on your risk appetite and how long you want to invest. If you are falling in respective risk category and wiling to invest for 8 to 10 years (hybrid funds one can invest for 5+ years), you can invest.

    1. Hello Sujith, Since markets are at peak, it is not advisable to invest lumpsum in equity funds. You can invest in liquid funds and do systematic transfer plan to any of these mutual funds based on your risk appetite and tenure

  23. Thank you very much for your very informative and knowledgeable post.I have been following your since last four years and youe advice and post benifitted me most.Thank you very much for your nice work.

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