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LIVE RETURNS · 7 CATEGORIES · 35 FUNDS
Best Mutual Funds 2026
| Rank ⇅ | Scheme Name ⇅ | NAV (₹) ⇅ | 1Y CAGR ⇅ | 3Y CAGR ⇅ | 5Y CAGR ⇅ | 10Y CAGR ⇅ | Exp. Ratio ⇅ | As on Date ⇅ |
|---|---|---|---|---|---|---|---|---|
| 1 | Nippon India Large Cap Fund | ₹104.60 | -0.08% | 13.42% | 13.05% | 15.08% | 0.85% | 12-11-2026 |
| 2 | Invesco India Large Cap Fund | ₹92.51 | 7.20% | 16.70% | 11.60% | 15.05% | 0.90% | 12-11-2026 |
| 4 | Bandhan Large Cap Fund | ₹96.23 | 4.43% | 15.76% | 10.83% | 14.18% | 0.85% | 12-11-2026 |
| 3 | ICICI Prudential Large Cap Fund | ₹124.17 | -1.52% | 12.89% | 11.22% | 14.39% | 0.89% | 12-11-2026 |
| 6 | SBI Bluechip / Large Cap Fund | ₹108.34 | 2.78% | 11.68% | 9.45% | 13.09% | 0.86% | 12-11-2026 |
| 10 | HDFC Top 100 Fund | ₹35.29 | 3.50% | 6.87% | 6.18% | 7.12% | 1.09% | 12-11-2026 |
| 5 | Canara Robeco Large Cap Fund | ₹76.11 | 1.51% | 13.26% | 9.78% | 15.14% | 0.51% | 12-11-2026 |
| 8 | Kotak Bluechip Fund | ₹178.26 | -1.41% | 10.23% | 7.94% | 12.85% | 0.62% | 12-11-2026 |
| 7 | Mirae Asset Large Cap Fund | ₹133.72 | 1.16% | 11.72% | 8.48% | 13.64% | 0.54% | 12-11-2026 |
| 9 | Baroda BNP Paribas Large Cap | ₹247.71 | -1.50% | 10.16% | 7.89% | 12.79% | 0.88% | 12-11-2026 |
| 6 | Parag Parikh Flexi Cap Fund | ₹94.81 | 0.68% | 13.47% | 11.69% | 17.66% | 0.63% | 12-11-2026 |
| 1 | Motilal Oswal Midcap Fund | ₹123.67 | 3.96% | 19.24% | 19.49% | 18.43% | 0.93 | 12-11-2026 |
| 1 | HDFC Flexi Cap Fund | ₹2,374.13 | 4.97% | 17.89% | 16.80% | 16.61% | 0.79% | 12-11-2026 |
| 5 | Aditya Birla Sun Life Flexi Cap | ₹2,279.96 | 8.71% | 17.07% | 11.94% | 14.56% | 0.84% | 12-11-2026 |
| 9 | JM Flexicap Fund | ₹77.61 | 1.52% | 8.03% | 6.97% | 8.10% | 0.45% | 12-11-2026 |
| 7 | Franklin India Flexi Cap Fund | ₹1,856.25 | -0.47% | 12.50% | 11.08% | 14.28% | 0.94% | 12-11-2026 |
| 8 | Canara Robeco Flexi Cap Fund | ₹408.12 | 3.43% | 14.10% | 10.02% | 15.54% | 0.58% | 12-11-2026 |
| 10 | Kotak Flexicap Fund | ₹100.83 | 1.82% | 6.51% | 5.35% | 6.60% | 0.61% | 12-11-2026 |
| 6 | Nippon India Growth Fund | ₹4,949.06 | 5.31% | 17.37% | 16.58% | 18.51% | 0.86% | 12-11-2026 |
| 4 | Edelweiss Mid Cap Fund | ₹127.84 | 4.60% | 19.86% | 17.08% | N/A | 0.41% | 12-11-2026 |
| 8 | Tata Mid Cap Growth Fund | ₹534.50 | 4.56% | 14.90% | 14.15% | 17.20% | 0.83% | 12-11-2026 |
| 5 | Canara Robeco Mid Cap Fund | ₹19.51 | 6.26% | 17.04% | N/A | N/A | 0.62% | 12-11-2026 |
| 3 | Quant Small Cap Fund | ₹315.78 | 11.17% | 16.93% | 17.24% | 20.60% | 0.76% | 12-11-2026 |
| 4 | Nippon India Small Cap Fund | ₹204.88 | 7.14% | 14.12% | 17.20% | 20.82% | 0.68% | 12-11-2026 |
| 2 | Bandhan Small Cap Fund | ₹57.38 | 9.62% | 23.22% | 19.41% | N/A | 0.40% | 12-11-2026 |
| 2 | ICICI Pru Multi-Asset Fund | ₹903.74 | 1.61% | 14.57% | 14.60% | 15.74% | 0.91% | 12-11-2026 |
| 7 | Kotak Balanced Advantage Fund | ₹36.25 | 4.67% | 7.22% | 6.54% | 6.28% | 0.51% | 12-11-2026 |
| 3 | Nippon India Multi Asset Fund | ₹26.98 | 7.43% | 18.54% | 14.41% | N/A | 0.48% | 12-11-2026 |
| 6 | Canara Robeco Equity Hybrid | ₹437.70 | 4.39% | 12.63% | 9.88% | 13.38% | 0.61% | 12-11-2026 |
| 5 | Mirae Asset Aggressive Hybrid | ₹41.18 | 5.92% | 13.24% | 10.26% | 13.87% | 0.59% | 12-11-2026 |
| 3 | Mirae Asset ELSS Tax Saver | ₹58.89 | 1.74% | 14.13% | 10.70% | 17.15% | 0.65% | 12-11-2026 |
| 4 | Canara Robeco ELSS Tax Saver | ₹210.56 | 4.05% | 13.62% | 10.20% | 15.88% | 0.64% | 12-11-2026 |
| 5 | Axis ELSS Tax Saver Fund | ₹116.56 | 4.47% | 12.85% | 6.43% | 13.44% | 0.88% | 12-11-2026 |
| 5 | Franklin Asian Equity Fund | ₹47.04 | 21.80% | 22.14% | 7.39% | 10.66% | 1.24% | 12-11-2026 |
| 3 | Edelweiss US Technology FoF | ₹36.03 | 3.51% | 25.41% | 10.67% | N/A | 0.59% | 12-11-2026 |
| 2 | ICICI Pru US Bluechip Equity | ₹94.07 | 21.07% | 20.07% | 13.20% | 16.75% | 1.12% | 12-11-2026 |
| 1 | DSP US Flexible Equity FoF | ₹99.57 | 20.80% | 27.21% | 17.39% | 18.43% | 0.84% | 12-11-2026 |
| 3 | ICICI Prudential Flexi Cap Fund | ₹22.40 | 7.64% | 17.21% | 14.97% | N/A | 0.88 | 12-11-2026 |
| 4 | Quant Flexi Cap Fund | ₹123.41 | 11.09% | 16.12% | 14.22% | 19.50% | 0.62 | 12-11-2026 |
| 3 | HDFC Mid Cap Fund | ₹230.66 | 2.70% | 16.49% | 17.65% | 17.63% | 0.60 | 12-11-2026 |
| 9 | SBI Small Cap Fund | ₹210.35 | 6.84% | 11.79% | 12.01% | 18.29% | 0.81 | 12-11-2026 |
| 10 | Kotak Small Cap Fund | ₹321.41 | 6.06% | 11.93% | 10.97% | 17.46% | 0.51 | 12-11-2026 |
| 1 | Quant Multi Asset Allocation Fund | ₹180.34 | 9.67% | 21.10% | 17.84% | 18.38% | 0.6 | 12-11-2026 |
| 4 | ICICI Prudential Aggressive Hybrid Fund | ₹462.42 | 1.81% | 14.06% | 13.67% | 15.63% | 0.79 | 12-11-2026 |
| 2 | Parag Parikh ELSS Tax Saver Fund | ₹32.76 | -4.94% | 10.12% | 11.08% | N/A | 0.65 | 12-11-2026 |
| 1 | Bandhan ELSS Tax Saver Fund | ₹187.39 | 3.69% | 12.03% | 11.15% | 16.02% | 0.63 | 12-11-2026 |
| 4 | Nippon India Japan Equity | ₹29.76 | 18.29% | 20.22% | 9.30% | 10.80% | 1.20 | 12-11-2026 |
| 2 | Bank of India Flexi Cap Fund | ₹43.48 | 11.23% | 19.41% | 16.14% | N/A | 0.49 | 12-11-2026 |
| 2 | Invesco India Mid Cap Fund | ₹247.90 | 11.09% | 24.25% | 18.85% | 20.23% | 0.75 | 12-11-2026 |
| 7 | Kotak Mid Cap Fund | ₹166.30 | 3.27% | 16.41% | 15.15% | 17.88% | 0.54 | 12-11-2026 |
| 9 | Axis Midcap Fund | ₹144.91 | 7.60% | 17.19% | 12.31% | 18.54% | 0.49 | 12-11-2026 |
| 10 | SBI Midcap Fund | ₹265.70 | 0.76% | 10.26% | 11.09% | 14.24% | 0.72 | 12-11-2026 |
| 8 | Tata Small Cap Fund | ₹43.24 | -0.43% | 10.18% | 12.76% | N/A | 0.51 | 12-11-2026 |
| 7 | HDFC Small Cap Fund | ₹156.99 | -3.89% | 9.92% | 13.65% | 17.71% | 0.64 | 12-11-2026 |
| 1 | Invesco India Small Cap Fund | ₹56.37 | 19.28% | 21.95% | 19.64% | N/A | 0.63 | 12-11-2026 |
| 6 | Franklin India Small Cap Fund | ₹198.74 | 2.37% | 10.68% | 13.75% | 15.32% | 1.06 | 12-11-2026 |
| 5 | DSP Small Cap Fund | ₹249.38 | 13.98% | 16.39% | 15.99% | 16.88% | 0.83 | 12-11-2026 |
Top 5 Funds per category by 5-year CAGR · NAV as on 12 Nov 2026 · Direct, Growth
Top Large Cap Funds →
Investing
SIP Calculator
Estimate wealth accumulated through monthly systematic mutual fund investments in India with compounded return projections.
₹
= ₹10,000 (10 thousand)
%
years
Expected future value
₹23,23,391
Invested amount
51.6%Est. returns
48.4%Invested amount₹12,00,000
Estimated returns₹11,23,391
Total value₹23,23,391
Mutual fund investments are subject to market risks. Actual returns may vary depending on scheme performance.
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₹
= ₹1,00,000 (1 Lakh)
%
years
Expected future value
₹3,10,585
Invested amount₹1,00,000
Estimated returns₹2,10,585
Total value₹3,10,585
Calculated using annual compounding formula: A = P(1 + r)^n.
₹
₹
%
years
Final remaining corpus
₹7,32,014
Total initial investment₹10,00,000
Total withdrawal amount₹9,60,000
Final value₹7,32,014
grams
₹
= ₹6,000 (6 thousand)
₹
= ₹14,950 (14.95 thousand)
Check today's rate for your city and purity (24K or 22K).
years
%
Coins and bars: 0–5%. Jewellery: often 8–25%. Making charges are not paid back when you sell.
Your profit
₹87,700
Gold cost
40.1%Charges & GST
1.2%Profit
58.7%Total cost (incl. charges)₹61,800
Value today₹1,49,500
Profit₹87,700
Absolute return141.91%
Your yearly return (CAGR)34.24%
Gold price growth (CAGR)35.57%
Lost to making charges and GST₹1,800
Selling jewellery to a jeweller may involve further deductions for purity testing or wastage.
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₹
= ₹50,00,000 (50 Lakh)
years
%
Required Monthly SIP
₹21,521
Total Out-of-Pocket Investment₹25,82,520
Estimated Wealth Gain₹24,17,480
Target Corpus Achieved₹50,00,000
Calculated using reverse annuity formula: P = Target / [(((1+i)^n - 1)/i) * (1+i)].
₹
%
years
Total Maturity Amount
₹1,61,051
Principal Invested₹1,00,000
Total Compound Interest₹61,051
Effective Annual Rate (EAR)10.00%
Formula: A = P(1 + r/n)^(n*t). Compounding frequency directly enhances cumulative wealth growth.
First Purchase
shares
₹
Second Purchase (Averaging Down)
shares
₹
New Average Price
₹408.00
Total Shares Held
Total Capital Invested₹1,02,000
1st Buy Outlay₹45,000
2nd Buy Outlay₹57,000
Average Price = (Total Cost of 1st Buy + Total Cost of 2nd Buy) / Total Quantity.
x
Enter total times the Retail Individual Investors (RII) portion was subscribed.
accounts
Applying 1 lot each from different family members' PANs increases your lottery odds.
Chance of Getting at Least 1 Lot
18.15%
Probability per Single Application6.45% (1 in 15.5)
Allotment ModeSEBI Lottery Basis
Oversubscription StatusOversubscribed (15.5x)
SEBI mandates computerized retail allotment lottery. Applying multiple lots from the same PAN does NOT increase odds.
₹
shares
₹
Estimated Profit per Lot
₹5,400
Estimated Listing Price₹680.00
Expected Listing Gain (%)36.00%
Total Investment per Lot₹15,000
Estimated Total Value at Listing₹20,400
GMP is unofficial and market-driven. Actual listing performance depends on overall market conditions and institutional demand on listing day.
₹
%
years
Maturity value
₹1,42,873
Invested deposit₹1,00,000
Total interest earned₹42,873
Maturity amount₹1,42,873
Calculated assuming quarterly compounding as per Indian scheduled commercial bank standards.
₹
%
years
Maturity Amount
₹3,59,206
Total Invested Amount₹3,00,000
Total Interest Earned₹59,206
Maturity Value₹3,59,206
Calculated using standard quarterly compounding formula followed by Indian banks and Post Office.
₹
Maximum allowable deposit under PPF rules is ₹1.5 Lakh per financial year.
years
%
Maturity value (Tax-Free)
₹40,68,209
Total invested amount₹22,50,000
Total interest earned₹18,18,209
Maturity amount₹40,68,209
PPF enjoys EEE status (Exempt on Investment, Interest, and Maturity) under Section 80C.
₹
Deposits are made for the first 15 years from account opening.
years
%
Maturity Value at 21 Years
₹69,80,183
Total Amount Deposited (15 yrs)₹22,50,000
Total Interest Earned₹47,30,183
Maturity YearAfter 21 Years
Tax Status100% Tax-Free (EEE)
Calculated at 8.2% annual compounding. Interest accrues for the full 21-year term while deposits stop after 15 years.
₹
%
years
Maturity Value at 5 Years
₹1,44,903
Invested Amount₹1,00,000
Total Interest Accrued₹44,903
Section 80C EligibilityYes (Principal + Years 1-4 Interest)
NSC earns 7.7% annual compounding payable upon 5-year maturity with sovereign safety.
₹
%
Exact doubling tenure: 9 years and 7 months (115 months).
Guaranteed Maturity Amount
₹2,00,000
Invested Amount₹1,00,000
Total Gain (100% Guaranteed)₹1,00,000
Premature Exit AllowedAfter 2.5 Years (30 Months)
KVP guarantees doubling of principal invested at 7.5% p.a. backed by the Government of India.
₹
Limit: Single Account ₹9 Lakh | Joint Account ₹15 Lakh.
%
years
Guaranteed Monthly Income
₹5,550
Total Annual Interest Payout₹66,600
Total 5-Year Income Earned₹3,33,000
Principal Returned at Maturity₹9,00,000
Monthly interest is directly credited to your savings account. Principal is refunded 100% intact after 5 years.
₹
%
years
Monthly loan EMI
₹12,668
Principal loan amount₹10,00,000
Total interest payable₹5,20,109
Total payment (Principal + Int)₹15,20,109
₹
= ₹50,00,000 (50 Lakh)
%
years
Monthly Home Loan EMI
₹43,391
Principal amount
48.0%Total interest
52.0%Principal Loan Amount₹50,00,000
Total Interest Payable₹54,13,879
Total Payment (Principal + Int)₹1,04,13,879
Under the Old Tax Regime, principal repayment qualifies up to ₹1.5L u/s 80C and interest up to ₹2L u/s 24(b).
₹
= ₹8,00,000 (8 Lakh)
%
years
Monthly Car Loan EMI
₹16,685
Principal amount
79.9%Total interest
20.1%Principal Loan Amount₹8,00,000
Total Interest Payable₹2,01,093
Total Payment (Principal + Int)₹10,01,093
Most Indian banks finance 80%–90% of the vehicle on-road price for tenures between 1 and 7 years.
₹
= ₹3,00,000 (3 Lakh)
%
years
Monthly Personal Loan EMI
₹9,893
Principal amount
84.2%Total interest
15.8%Principal Loan Amount₹3,00,000
Total Interest Payable₹56,141
Total Payment (Principal + Int)₹3,56,141
Unsecured personal loans generally carry 10.5%–18% interest rates with tenures from 12 to 60 months.
₹
₹
%
years
Maximum Eligible Loan Amount
₹34,56,712
Permissible Monthly EMI Capacity₹30,00,000
Total Repayment Over Tenure₹72,00,000
Total Interest Payable₹37,43,288
Calculated assuming a standard banking FOIR (Fixed Obligation to Income Ratio) of 50%.
₹
%
years
₹
Total Interest Saved
₹4,68,912
Current Monthly EMI₹29,542
Tenure Reduced By28 Months (2.3 Yrs)
New Remaining Tenure12.7 Years
Prepaying principal early cuts the compounded interest stream significantly over the amortization lifetime.
₹
Loan Offer 1
%
years
Loan Offer 2
%
years
Comparison Verdict
Offer 1 Saves ₹1,42,824
Offer 1 Monthly EMI₹26,035
Offer 2 Monthly EMI₹26,630
Offer 1 Total Interest₹32,48,327
Offer 2 Total Interest₹33,91,151
Even an 0.25% or 0.30% lower rate yields significant savings over long-tenure home loans.
₹
₹
EPF, PPF, ELSS, Life Insurance premium (Max ₹1.5 Lakh).
₹
₹
Recommended Tax Choice (FY 2026-27)
New Regime Saves ₹61,100
Tax under New Regime (u/s 115BAC)₹97,500
Tax under Old Regime₹1,58,600
Standard Deduction Applied₹75,000 (New) / ₹50,000 (Old)
Sec 87A Tax Rebate (New Regime)Zero tax up to ₹12.75L salary
FY 2026-27 New Regime slabs: 0-4L Nil, 4-8L 5%, 8-12L 10%, 12-16L 15%, 16-20L 20%, 20-24L 25%, >24L 30% + 4% Cess.
₹
₹
₹
Exempted HRA (Tax-Free)
₹1,56,000
Tax-Exempt HRA Amount₹1,56,000
Taxable HRA Amount₹84,000
Rent paid over 10% of salary₹1,56,000
50% / 40% of Basic Salary₹3,00,000
Calculated under Section 10(13A) Rule 2A as the minimum of actual HRA, rent minus 10% basic, or 50%/40% of basic.
₹
Total Invoice Amount
₹11,800
Net / Base Price₹10,000
Total GST Amount₹1,800
CGST (Central Tax 50%)₹900
SGST / UTGST (State Tax 50%)₹900
For interstate sales, Integrated GST (IGST) is charged at the full combined rate (100%).
₹
%
₹
Monthly In-Hand / Take-Home
₹1,05,570
Gross Monthly Salary₹1,19,000
Employee PF Deduction (12% of Basic)₹6,000
Employer PF in CTC (12% of Basic)₹6,000
Estimated Monthly TDS (FY 2026-27 New Regime)₹7,230
Net take-home reflects monthly salary credited after employee PF, employer PF part of CTC, PT, and FY 2026-27 TDS deductions.
years
years
₹
%
Required Retirement Corpus
₹4,68,91,240
Monthly Expense at Retirement₹2,29,740
Required Monthly SIP from Today₹13,284
Assumed Post-Retirement Return8.0% p.a. (Debt/Hybrid)
Calculates inflation escalation till retirement and capital preservation during post-retirement life expectancy (85 years).
₹
years
Superannuation retirement age is standard 60 years.
%
%
Total NPS Corpus at Age 60
₹2,27,93,642
Total Invested Amount₹36,00,000
Tax-Free Lump-Sum Withdrawal (60%)₹1,36,76,185
Annuity Reinvestment (40%)₹91,17,457
Estimated Monthly Pension (at 6% Annuity)₹45,587
60% of the maturity corpus is completely tax-free under Section 10(12A). The remaining 40% generates regular monthly pension.
₹
years
%
%
Accumulated EPF Corpus at 58
₹1,24,67,819
Your Total Contribution (12%)
Employer EPF Share (3.67%)
Total Compound Interest Earned₹68,68,042
Employer contributes 12% total: 3.67% to EPF and 8.33% (up to wage ceiling) diverted to Employees Pension Scheme (EPS).
₹
years
Gratuity is payable after completing a minimum of 5 continuous years of service.
Statutory Gratuity Amount
₹4,50,000
Calculation Formula(15 × Basic × Years) / 26
Government Statutory Tax-Free Limit₹20,00,000
Taxability100% Tax-Free
Calculated as per the Payment of Gratuity Act, 1972 using 26 working days per month convention.
₹
Maximum deposit limit under SCSS rules is ₹30 Lakh.
%
years
Quarterly Interest Income
₹30,750
Annual Interest Payout₹1,23,000
Total 5-Year Interest Earned₹6,15,000
Principal Returned at 5 Yrs₹15,00,000
Interest is paid out on the first day of April, July, October, and January directly into the investor's bank account.
₹
%
years
Future Cost of the Same Item
₹1,19,828
Current Cost₹50,000
Increase Due to Inflation₹69,828
Future Purchasing Power of Today's ₹1 Lakh₹41,727
Calculated using compound expansion formula: Future Value = Present Value × (1 + Inflation)^Years.