| Fund Name | Category | 1Y Return | 3Y Return | 5Y Return | Expense Ratio |
|---|---|---|---|---|---|
| UTI Nifty 50 Index | Index Fund | 14.2% | 12.8% | 15.1% | 0.18% |
| Mirae Asset Large Cap | Large Cap | 15.8% | 14.2% | 16.3% | 0.53% |
| HDFC Mid Cap Opportunities | Mid Cap | 22.5% | 18.9% | 20.1% | 0.74% |
| SBI Small Cap | Small Cap | 28.3% | 21.4% | 24.2% | 0.62% |
| Parag Parikh Flexi Cap | Flexi Cap | 16.2% | 15.8% | 18.5% | 0.63% |
| Mirae Asset ELSS Tax Saver | ELSS | 14.6% | 13.5% | 16.0% | 0.59% |
| Axis Bluechip | Large Cap | 13.8% | 11.2% | 14.5% | 0.49% |
| Kotak Emerging Equity | Mid Cap | 20.1% | 17.5% | 19.8% | 0.48% |
| Nippon India Small Cap | Small Cap | 30.1% | 24.8% | 26.3% | 0.68% |
| HDFC Balanced Advantage | Hybrid | 12.5% | 13.2% | 14.8% | 0.73% |
| ICICI Pru Equity & Debt | Hybrid | 13.1% | 14.5% | 15.2% | 0.95% |
| SBI Liquid Fund | Liquid | 7.1% | 6.5% | 5.8% | 0.20% |
* Rates are indicative and may vary based on individual profile. Please verify with the institution before applying.
How to Read This Comparison
- Returns are annualized: 3Y return of 15% means the fund grew at 15% per year over 3 years (not total).
- Compare within category: Don't compare a small cap fund's returns with a large cap fund. Risk levels are different.
- Consistency matters: A fund delivering 14-16% every year is better than one delivering 30% one year and -10% the next.
- Expense ratio impact: 0.5% higher expense ratio over 20 years costs ~10% of your final corpus. Choose lower when performance is similar.
- Past performance disclaimer: These returns are historical and don't guarantee future performance. Use them as one input among many.
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Frequently Asked Questions
Which is the best mutual fund to invest in 2026?
There's no single best fund - it depends on your goals and risk appetite. For beginners: UTI Nifty 50 Index (low cost, market returns). For growth: Parag Parikh Flexi Cap (consistent outperformance). For tax saving: Mirae Asset ELSS. For stability: HDFC Balanced Advantage.
Are past mutual fund returns reliable for future?
Past returns indicate fund manager skill and consistency but don't guarantee future results. Look at: consistency across 3, 5, 10 years, performance across market cycles (bull and bear), and relative performance vs benchmark index. A fund consistently beating its benchmark is more reliable.
Should I invest in index funds or active funds?
Index funds work well for most investors: low cost (0.1-0.2% expense ratio), no fund manager risk, market-matching returns. Active funds can outperform but only if you choose well. A simple approach: 50% in Nifty 50 index + 50% in a good flexi-cap active fund.