Invest in the best mutual funds recommended by Scripbox that are scientifically and algorithmically selected that best suit your needs. Let's take a look at the top mutual funds to invest this year. Be it long-term, short-term, tax saving or your emergency needs. We have you covered.
1 . ICICI Prudential Value Discovery Fund Direct (G)
ICICI Prudential Value Discovery Fund Direct (G)
is a Equity fund
that has delivered a 1 Year return of 13.8% , a 3 Years return of 22.3% and a 5 Years return of 31.1%
. The fund has an expense ratio of 1.1% and an AUM of ₹
51112 crores as of 2025-05-12.
The minimum lump sum investment is ₹5000.
2 . HDFC Large and Mid Cap Fund Direct (G)
HDFC Large and Mid Cap Fund Direct (G)
is a Equity fund
that has delivered a 1 Year return of 7.9% , a 3 Years return of 22.1% and a 5 Years return of 30.4%
. The fund has an expense ratio of 1.0% and an AUM of ₹
24326 crores as of 2025-05-12.
It was Launched on 2013-01-01. The minimum lump sum investment is ₹5000.
3 . SBI Long Term Equity Fund Direct (G)
SBI Long Term Equity Fund Direct (G)
is a Equity fund
that has delivered a 1 Year return of 9.2% , a 3 Years return of 26.1% and a 5 Years return of 29.9%
. The fund has an expense ratio of 1.1% and an AUM of ₹
28506 crores as of 2025-05-12.
The minimum lump sum investment is ₹500.
4 . Parag Parikh Flexi Cap Fund Direct (G)
Parag Parikh Flexi Cap Fund Direct (G)
is a Equity fund
that has delivered a 1 Year return of 13.7% , a 3 Years return of 21.2% and a 5 Years return of 28.9%
. The fund has an expense ratio of 0.6% and an AUM of ₹
98541 crores as of 2025-05-12.
It was Launched on 2013-05-24. The minimum lump sum investment is ₹5000.
5 . DSP ELSS Tax Saver Fund Direct (G)
DSP ELSS Tax Saver Fund Direct (G)
is a Equity fund
that has delivered a 1 Year return of 15.7% , a 3 Years return of 21.8% and a 5 Years return of 28.3%
. The fund has an expense ratio of 0.7% and an AUM of ₹
16218 crores as of 2025-05-12.
It was Launched on 2013-01-01. The minimum lump sum investment is ₹500.
6 . ICICI Prudential Bluechip Fund Direct (G)
ICICI Prudential Bluechip Fund Direct (G)
is a Equity fund
that has delivered a 1 Year return of 10.8% , a 3 Years return of 20.0% and a 5 Years return of 25.9%
. The fund has an expense ratio of 0.9% and an AUM of ₹
68034 crores as of 2025-05-12.
The minimum lump sum investment is ₹5000.
7 . HDFC Floating Rate Debt Fund Direct (G)
HDFC Floating Rate Debt Fund Direct (G)
is a Debt fund
that has delivered a 1 Year return of 9.1% , a 3 Years return of 8.0% and a 5 Years return of 7.2%
. The fund has an expense ratio of 0.3% and an AUM of ₹
15015 crores as of 2025-05-12.
It was Launched on 2013-01-01. The minimum lump sum investment is ₹5000.
8 . Aditya Birla Sun Life Money Manager Fund Direct (G)
Aditya Birla Sun Life Money Manager Fund Direct (G)
is a Debt fund
that has delivered a 1 Year return of 8.1% , a 3 Years return of 7.4% and a 5 Years return of 6.3%
. The fund has an expense ratio of 0.2% and an AUM of ₹
27171 crores as of 2025-05-12.
The minimum lump sum investment is ₹5000.
9 . Nippon India Arbitrage Fund Direct (G)
Nippon India Arbitrage Fund Direct (G)
is a Debt fund
that has delivered a 1 Year return of 7.8% , a 3 Years return of 7.4% and a 5 Years return of 6.1%
. The fund has an expense ratio of 0.4% and an AUM of ₹
14113 crores as of 2025-05-12.
The minimum lump sum investment is ₹5000.
10 . ICICI Prudential Liquid Fund Direct (G)
ICICI Prudential Liquid Fund Direct (G)
is a Debt fund
that has delivered a 1 Year return of 7.3% , a 3 Years return of 6.9% and a 5 Years return of 5.5%
. The fund has an expense ratio of 0.2% and an AUM of ₹
53193 crores as of 2025-05-12.
The minimum lump sum investment is ₹1000.
Top 10 Mutual Funds (Direct Plan) to Invest in India 2025
ICICI Prudential Value Discovery Fund Direct Growth Plan
Parag Parikh Flexi Cap Fund Direct Growth Plan
HDFC Large and Mid Cap Fund Direct Plan Growth
DSP ELSS Tax Saver Fund Direct Growth Plan
Mirae Asset ELSS Tax Saver Fund Direct Growth Plan
ICICI Prudential Bluechip Fund Direct Plan Growth
Kotak Gold Fund Direct Growth Plan
HDFC Gold ETF Fund of Fund Direct Plan Growth
HDFC Floating Rate Debt Fund Direct Plan Growth
Aditya Birla Sun Life Savings Fund Direct Growth Plan
Top 10 Mutual Funds (Regular Plan) to Invest in India 2025
ICICI Prudential Value Discovery Fund Regular Growth Plan
Parag Parikh Flexi Cap Fund Regular Growth Plan
HDFC Large and Mid Cap Fund Regular Growth Plan
DSP ELSS Tax Saver Fund Regular Growth Plan
Mirae Asset ELSS Tax Saver Fund Regular Growth Plan
ICICI Prudential Bluechip Fund Regular Growth Plan
ICICI Prudential US Bluechip Equity Fund Regular Growth Plan
HDFC Gold Fund Regular Growth Plan
Kotak Gold Fund Regular Growth Plan
HDFC Floating Rate Debt Fund Regular Growth Plan
What are the Mutual Funds?
An asset management company (AMC) or fund house pools investments made by individual investors and institutional investors. With this pool of investments, an AMC forms a mutual fund. AMCs have fund managers who manage the fund investments amount and invest in stocks, securities, and bonds, etc on the behalf of investors.
Mutual fund investors are allocated units of the fund against the quantum of investment. These units can be re-invested or redeemed by investors on the maturity of the fund at the NAV.
What is a mutual fund NAV?
Net Asset Value NAV is the market price of the fund. It is important because it represents the worth of each share of the fund. One can say just like shares have a share price, mutual funds have a NAV to represent it’s worth.
How to Select the Top Performing Mutual Funds In India in 2025?
An investor would ultimately want a mutual fund that provides a higher return. The entire selection process can be guided by three attributes which are an investor’s life goals, understanding of investment risk and investment horizon.
Investment Objective:An investor should first sort out his personal life goals and corresponding to the life goals an investment plan must be chosen. Each scheme is different from the other and serves a different purpose. Hence to arrive at a meaningful decision the fund investments objective must match an investor’s goals, investment plan and risk appetite. A long term objective cannot be met with a short term scheme. All the necessary details related to the scheme, its asset allocation, objective, and strategy are available in the key information document and scheme information document.
Fund History: The fund history is the track record of the fund’s performance in the past during the ups and downs of the market. This shows the strength of the fund during tough times. A recently launched fund may or may not outperform the tough times i.e. bear runs in the market since it does not have dealt with such scenarios. On the other hand, a fund with a good history of generating consistent returns shows the accuracy of investment strategies. To shortlist, an investor must check the track for the same period for which the investment horizon is decided. For example, if an investor is willing to invest for say 5 years he must check the track record of 5 years of the fund.
Expense Ratio: An annual fee is charged by the fund house manager for managing an investor’s funds, this is called expense ratio and expressed as a percentage. The final payoff to an investor will be the returns generated minus the expense ratio. The net amount is the final amount that an investor received. A higher expense ratio would result in lower returns for an investor. Hence while considering a fund, an investor must choose a fund with a lower expense ratio compared to peer funds in the category.
Performance of Fund Manager: The fund manager’s involvement is critical in the performance of a fund. It is the fund manager’s responsibility to ensure the show is going smoothly. It is important to know the track record of the fund manager. An investor must check the performance of the fund during the market rally and slump. Better fund management is showcased when a fund provides consistent returns and contains losses during the bear runs of the market.
What are the Advantages of Mutual Funds Investments?
Unlike other investment plans like Fixed Deposit, PPF, NSC fund investment does not carry a lock in period except the ELSS fund. Mutual Fund investment allows an investor to redeem the units at any point in time and as and when required. Mutual Funds have a flexible tenure of investment and withdrawal. But this withdrawal comes along with a pre-exit penalty and an exit load.
Since Mutual fund has an asset allocation diversified among various types of assets, this diversified portfolio reduces the risk for an investor and the overall performance has a lower chance of being volatile
Mutual Fund investments are managed and operated by an expert fund house that appoints fund managers to pool investments and invest in securities ensuring investors incur a profit.
Mutual Funds are easy to buy due to multiple channels and options available for an investor. Mutual funds are managed by AMC and fund house and distributed through the below channels.
Brokerage Firms
Registrars like CAMS and Karvy
Agents and banks
Online Mutual Fund Investment Platforms. You don’t need a Demat account to make an investment.
The mutual fund has provided a higher return than other fixed income investment plan like fixed deposit, saving account balance interest, NSC, PPF, and others
Investment in ELSS Funds is allowed as a deduction under section 80c making it more attractive for an investor given the tax saving opportunity it provides. Hence investing in ELSS fund provide an opportunity to save tax and earn a return
The best thing about mutual fund investments is that an investor can start an investment with as low as Rs 500 and there is no limit on the maximum amount. An investor can choose to invest as per his income, expenses, risk taking ability, investment plan and tax plan
Frequently Asked Questions
How do you select the right mutual fund to invest in?
Before investing in a mutual fund an investor sets his life goals and understands his or her exposure to risk. The next step is to examine the past performance of the fund for the same investment horizon as selected by the investor. Along with performance, the rating of the fund reflects the reliability of the fund, the higher the better.
What is a Mutual Fund Calculator?
The mutual fund calculator provides an investor with the maturity amount and wealth gained out of the principal amount invested. An investor needs to provide the monthly amount invested, investment horizon, expected rate of return, and annual step-up percentage.
Which is the best way to invest in mutual funds?
An investor has the option to invest a lump sum or through SIP. For an investor investing through SIP can be regarded as the best way to invest in mutual funds in India because it helps build a habit of saving regularly in a disciplined manner. During the course of investing in mutual funds, an investor may be exposed to the ups and downs of the market. However, in the long run, staying invested is the best way to achieve a financial goal with a mutual fund investment plan. You can use Scripbox’s SIP calculator and lumpsum calculator to get an estimate of total wealth gained on mutual fund investments and maturity amount at the end of the fund schemes investment horizon You can also use Scripbox’s ELSS fund calculator to estimate the return on ELSS fund investments and the maturity value at the end of the investment horizon. Since investment in ELSS fund is allowed as a deduction under Section 80C it is also known as tax saver equity funds.
Why invest in the best mutual funds through Scripbox?
Investing in the best mutual funds gives you better returns thereby growing your money the right way to meet your objectives. In Scripbox once we have selected the funds, we don’t stop there; we continuously monitor the performance of the fund and eliminate the funds that are underperforming and introduce a new fund that has the potential to perform better.
Which are the best mutual funds to invest for 1 year?
You can invest in Scripbox’s emergency fund that is catered for your emergencies and can be withdrawn anytime at ease.
How does Scripbox rate funds?
Proprietary system to rate mutual funds
We use a proprietary system to rate mutual funds and based on the outcome of the rating, we classify funds into 4 categories namely "Recommended", "Top Ranked", "Neutral" and "Not Recommended".
Scripbox algorithm recommends 2-4 funds for investment for an investment asset class such as large cap, diversified, liquid etc. When you invest for an objective, the algorithm suggests the appropriate asset class and funds.
Top Ranked
These funds are the top performers within a category of mutual funds considering a combination of criteria. The best amongst these funds are also labelled as Scripbox Recommended.
Neutral
Scripbox recommends other funds, which are more suitable for your investment objectives, within this asset and sub asset class.
Not Recommended
Scripbox algorithm classifies funds as "not recommended" when they perform poorly on a combination of criteria. These funds are usually the poorest performers within a category.
Things we consider to provide ratings for a mutual fund.
Outperformance Consistency
We look at the consistency of the outperformance that the fund has displayed. A fund with high consistency is preferred
Rolling Returns (1 Year Holding Period)
We consider average 1 year return that the fund has delivered over an extended period of time
Rolling Returns (3 Year Holding Period)
We consider average 3 year return that the fund has delivered over an extended period of time
Volatility of Outperformance
We consider how volatile the out-performance over the benchmark has been. A lower volatility is preferred
Downside Protection Measure
We look at how resilient the fund is to market down trends. A fund that has shown a higher resilience is preferred
Upside Participation Measure
We consider how well the fund has been able to participate in upmoves in the market. A fund that participates well is preferred
Fund Size
We look at the size of the fund with respect to other funds in the category. Larger funds are preferred.
How to invest in best mutual funds?
Investing through Scripbox is made easy and paperless. All you need to do is follow the below steps and start investing.
0 1
Choose a plan
Choose a plan to invest to start investing
0 2
Create an Account
Create an account with Scripbox through a paperless process, to invest in best mutual funds.
0 3
Invest online & transfer
Invest via netbanking, UPI or through an SIP (eNACH mandate).
0 4
Track your investments
Track, invest more and withdraw your investments through the Scripbox dashboard
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With Scripbox, I have my investments at my fingertips. It changed my lifeElroy Joseph NazarethCloud Specialist, Amdocs India Pvt Ltd
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Mutual Fund investments are subject to market risks. Please read all scheme related documents
carefully before investing. Past performance is not an indicator of future returns.
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