🔝 Top 20 Mutual Funds to Consider Investing in Today – June 2025
If you’re looking to grow your money through mutual funds, selecting the right schemes is essential. Based on recent 3-year performance and current market trends, here are 20 top-rated mutual funds in India worth exploring today. These are categorized based on investment goals like growth, tax-saving, and stability.
✅ Best Performing Mutual Funds (2025)
- ICICI Prudential Value Discovery Fund – Direct Growth
Known for its strong value-investing approach, this fund focuses on undervalued stocks and has delivered consistent long-term returns of ~24.3%. - Parag Parikh Flexi Cap Fund – Direct Growth
A flexible equity fund with global exposure. Ideal for long-term investors looking to diversify. Return range: ~25–26%. - SBI Long Term Equity Fund (ELSS) – Direct Growth
A tax-saving fund under Section 80C with a lock-in of 3 years. It offers impressive returns between 29–31%. - HDFC Large and Mid Cap Fund – Direct Growth
Invests in both large and mid-cap stocks for balanced growth. Suitable for moderate to aggressive investors. - DSP ELSS Tax Saver Fund – Direct Growth
Another excellent ELSS option for tax saving with long-term capital growth potential. 3-year CAGR: ~24–26%. - Kotak Nasdaq 100 FOF – Direct Growth
Invests in the top 100 non-financial US companies listed on the Nasdaq. Ideal for global exposure. Returns ~24–29%. - Kotak Gold Fund – Direct Growth
A gold-themed fund ideal during uncertain market conditions or for portfolio diversification. - ICICI Prudential Large Cap Fund – Direct Growth
Focuses on blue-chip companies with stable performance. Suitable for conservative equity investors. - Bharat Bond FOF – April 2032 – Direct Growth
A government-backed bond fund with low risk and fixed maturity. Returns ~9.6%. - Bharat Bond FOF – April 2031 – Direct Growth
Another safe investment option with predictable income. Returns ~9.4%. - Bharat Bond FOF – April 2030 – Direct Growth
Good for conservative investors planning a medium-term goal. Return: ~9.2%. - Kotak Nifty SDL Apr 2027 Index Fund
Tracks the SDL bond index for 2027 maturity. Safe with moderate returns of ~8.3–8.4%. - HDFC Floating Rate Debt Fund – Direct Growth
A debt fund designed to benefit from changing interest rates. Return ~8.3–8.4%. - Nippon India Arbitrage Fund – Direct Growth
Low-risk arbitrage fund ideal for short-term investments and parking surplus funds. Return: ~7.5%. - Aditya Birla Sun Life Savings Fund – Direct Growth
Offers steady income with minimal risk. Good for short-term investors. Return ~7.6%. - Aditya Birla Sun Life Money Manager Fund – Direct Growth
Suitable for managing liquidity or short-term financial goals. Return: ~7.6%. - ICICI Prudential Liquid Fund – Direct Growth
Very low-risk fund for emergency or ultra-short-term cash parking. Return ~7.0%. - HDFC Overnight Fund – Direct Growth
Ideal for overnight parking of funds with virtually no risk. Return ~6.4%. - Bharat Bond ETF FOF – April 2032
Another variant offering fixed income backed by PSU bonds. Return ~9.7%. - Bharat Bond ETF FOF – April 2031
Safe and stable returns for long-term planners. Return ~9.4%.
📊 Which Mutual Fund is Right for You?
| Goal | Suggested Funds |
|---|---|
| Long-term capital growth | Parag Parikh Flexi Cap, HDFC Large & Mid Cap, ICICI Value Discovery |
| Tax saving (80C benefit) | SBI Long Term Equity, DSP ELSS Tax Saver |
| Global market exposure | Kotak Nasdaq 100 FOF |
| Hedge against inflation | Kotak Gold Fund |
| Stable income (low risk) | Bharat Bond FOFs, Kotak SDL, HDFC Floating Rate |
| Emergency fund | HDFC Overnight, ICICI Liquid Fund |
🧠 Tips Before You Invest
Know Your Risk Appetite: Equity funds are best for long-term growth (5+ years), while debt/liquid funds are safer for short-term goals.
Diversify Your Portfolio: Combine equity and debt to reduce overall risk.
Use Direct Plans: They have lower expense ratios than regular plans.
Review Fund Performance: Check 3-year and 5-year returns regularly.
