Best Performing Mutual Funds In India Last 3 Years

The table below shows a list of the Best Performing Mutual Funds In India Last 3 Years based on AUM, NAV, and minimum SIP.

Name	AUM (Cr)	NAV (Rs)	Minimum SIP (Rs)
Motilal Oswal Midcap Fund	14445.55	114.57	1500
Nippon India Power & Infra Fund	7537.49	397.79	100
ICICI Pru Infrastructure Fund	6062.77	207.55	100
Aditya Birla SL PSU Equity Fund	5945.60	39.00	100
DSP India T.I.G.E.R Fund	5500.38	365.95	100
SBI PSU Fund	4851.11	37.05	1500
HDFC Infrastructure Fund	2533.24	53.74	100
ICICI Pru Bharat 22 FOF	1896.50	34.37	100
Invesco India PSU Equity Fund	1593.41	79.19	500
Bank of India Credit Risk Fund	121.92	11.84	100

Introduction To Top Mutual Funds In Last 3 Years

Motilal Oswal Midcap Fund

Motilal Oswal Midcap Fund is a Mid Cap mutual fund scheme from Motilal Oswal Mutual Fund. This fund has been operational for 10 years and 7 months, having been launched on February 3, 2014.

Motilal Oswal Midcap Fund falls under the Mid Cap Fund category with an AUM of ₹14,445.55 crores, a 5-year CAGR of 35.92%, an exit load of 1%, and an expense ratio of 0.6%. The SEBI risk category is Very High. Its asset allocation includes 78.28% in Equity and 21.72% in Cash & Equivalents.

Nippon India Power & Infra Fund

Nippon India Power & Infra Fund is a Sectoral-Infrastructure mutual fund scheme from Nippon India Mutual Fund. This fund has been operational for 11 years and 8 months, having been launched on January 1, 2013.

Nippon India Power & Infra Fund falls under the Sectoral Fund – Energy & Power category with an AUM of ₹7,537.49 crores, a 5-year CAGR of 34.16%, an exit load of 1%, and an expense ratio of 0.98%. The SEBI risk category is Very High. Its asset allocation includes 98.60% in Equity and 1.40% in Cash & Equivalents.

ICICI Prudential Infrastructure Fund

ICICI Prudential Infrastructure Fund is a Sectoral-Infrastructure mutual fund scheme from ICICI Prudential Mutual Fund. This fund has been operational for 11 years and 8 months, having been launched on January 1, 2013.

ICICI Prudential Infrastructure Fund falls under the Sectoral Fund – Infrastructure category with an AUM of ₹6,062.77 crores, a 5-year CAGR of 33.85%, an exit load of 1%, and an expense ratio of 1.18%. The SEBI risk category is Very High. Its asset allocation includes 92.93% in Equity, 5.10% in Cash & Equivalents, 1.15% in Treasury Bills, 0.71% in REITs & InvIT, and 0.12% in Rights.

Aditya Birla Sun Life PSU Equity Fund

Aditya Birla Sun Life PSU Equity Fund is a Thematic-PSU mutual fund scheme from Aditya Birla Sun Life Mutual Fund. This fund has been operational for 4 years and 9 months, having been launched on December 9, 2019.

Aditya Birla Sun Life PSU Equity Fund falls under the Thematic Fund category with an AUM of ₹5,945.60 crores, an exit load of 1%, and an expense ratio of 0.49%. The SEBI risk category is Very High. Its asset allocation includes 94.65% in Equity and 5.35% in Cash & Equivalents.

DSP India T.I.G.E.R Fund

DSP India T.I.G.E.R Fund is a Sectoral-Infrastructure mutual fund scheme from DSP Mutual Fund. This fund has been operational for 11 years and 8 months, having been launched on January 1, 2013.

DSP India T.I.G.E.R Fund falls under the Sectoral Fund – Infrastructure category with an AUM of ₹5,500.38 crores, a 5-year CAGR of 33.58%, an exit load of 1%, and an expense ratio of 0.89%. The SEBI risk category is Very High. Its asset allocation includes 92.65% in Equity, 6.65% in Cash & Equivalents, 0.63% in REITs & InvIT, and 0.08% in Rights.

SBI PSU Fund

SBI PSU Fund is a Thematic mutual fund scheme from SBI Mutual Fund. This fund has been operational for 11 years and 8 months, having been launched on January 1, 2013.

SBI PSU Fund falls under the Thematic Fund category with an AUM of ₹4,851.11 crores, a 5-year CAGR of 31.43%, an exit load of 0.5%, and an expense ratio of 0.72%. The SEBI risk category is Very High. Its asset allocation includes 92.07% in Equity and 7.93% in Cash & Equivalents.

HDFC Infrastructure Fund

HDFC Infrastructure Fund is a Sectoral-Infrastructure mutual fund scheme from HDFC Mutual Fund. This fund has been operational for 11 years and 8 months, having been launched on January 1, 2013.

HDFC Infrastructure Fund falls under the Sectoral Fund – Infrastructure category with an AUM of ₹2,533.24 crores, a 5-year CAGR of 29.36%, an exit load of 1%, and an expense ratio of 1.11%. The SEBI risk category is Very High. Its asset allocation includes 89.61% in Equity, 8.52% in Cash & Equivalents, and 1.87% in REITs & InvIT.

ICICI Prudential Bharat 22 FOF

ICICI Prudential Bharat 22 FOF is an Equity FoF mutual fund scheme from ICICI Prudential Mutual Fund. This fund has been operational for 6 years and 3 months, having been launched on June 19, 2018.

ICICI Prudential Bharat 22 FOF falls under the FoFs (Domestic) – Equity Oriented category with an AUM of ₹1,896.50 crores, a 5-year CAGR of 29.09%, and an expense ratio of 0.12%. The SEBI risk category is Very High. Its asset allocation includes 99.85% in Mutual Funds and 0.15% in Cash & Equivalents.

Invesco India PSU Equity Fund

Invesco India PSU Equity Fund is a Thematic mutual fund scheme from Invesco Mutual Fund. This fund has been operational for 11 years and 8 months, having been launched on January 1, 2013.

Invesco India PSU Equity Fund falls under the Thematic Fund category with an AUM of ₹1,593.41 crores, a 5-year CAGR of 35.00%, an exit load of 1%, and an expense ratio of 0.76%. The SEBI risk category is Very High. Its asset allocation includes 96.90% in Equity and 3.10% in Cash & Equivalents.

Bank of India Credit Risk Fund

Bank of India Credit Risk Fund is a Credit Risk mutual fund scheme from Bank of India Mutual Fund. This fund has been operational for 9 years and 7 months, having been launched on February 6, 2015.

Bank of India Credit Risk Fund falls under the Credit Risk Fund category with an AUM of ₹121.92 crores, a 5-year CAGR of 10.55%, an exit load of 3%, and an expense ratio of 1.18%. The SEBI risk category is Moderately High. Its asset allocation includes 63.77% in Corporate Debt, 22.03% in Equity, 12.09% in Cash & Equivalents, and 2.11% in Others.

What is a Mutual Fund?

A mutual fund is an investment vehicle that pools money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities. Managed by professional fund managers, it aims to provide returns based on the fund’s investment objective and market performance.

Mutual funds offer investors exposure to a variety of assets, enhancing diversification and reducing individual risk. By investing in a mutual fund, investors benefit from the expertise of professional managers who handle asset allocation and security selection, optimizing returns for fund participants.

Additionally, mutual funds come in various types, like equity, debt, and hybrid funds, catering to different risk appetites and investment goals. They allow small investors to participate in larger markets without needing extensive financial knowledge or large capital investments.

Features Of Best Mutual Funds In Last 3 Years

The main features of the best mutual funds in the last three years include consistent high returns, low expense ratios, diversified portfolios, and effective risk management. These funds have demonstrated resilience in volatile markets and are managed by experienced professionals focused on long-term growth and stability.

• Consistent High Returns: Top-performing funds have consistently provided above-average returns, showcasing resilience across market cycles, driven by skilled management and well-selected investments that cater to both growth and stability objectives.

• Low Expense Ratios: Funds with low expense ratios minimize costs for investors, allowing more of the returns to benefit them. This cost-efficiency has contributed to the fund’s superior performance compared to higher-cost counterparts.

• Diversified Portfolios: High-performing funds maintain diversified portfolios, spreading investments across sectors and asset classes. This reduces risk and helps protect against downturns in any single industry, ensuring more stable returns.

• Effective Risk Management: These funds employ strong risk management strategies, adjusting asset allocations based on market conditions to mitigate risks. This approach enhances the fund’s stability, even in volatile market environments.

• Experienced Fund Managers: The best funds are managed by seasoned professionals who use their expertise to analyze markets and select high-quality investments, aligning with the fund’s objective and maximizing returns for investors.

Highest Return Mutual Fund In Last 3 Years Based on Expense Ratio

The table below shows the Highest Return Mutual Fund In the Last 3 Years Based on the Expense Ratio.

Name	Expense Ratio (%)	Minimum SIP (Rs)
ICICI Pru Bharat 22 FOF	0.12	100
Aditya Birla SL PSU Equity Fund	0.49	100
Motilal Oswal Midcap Fund	0.6	1500
SBI PSU Fund	0.72	1500
Invesco India PSU Equity Fund	0.76	500
DSP India T.I.G.E.R Fund	0.89	100
Nippon India Power & Infra Fund	0.98	100
HDFC Infrastructure Fund	1.11	100
ICICI Pru Infrastructure Fund	1.18	100
Bank of India Credit Risk Fund	1.18	100

Best Performing Mutual Funds In India Last 3 Years Based on 3Y CAGR

The table below shows Best Performing Mutual Funds In India Last 3 Years Based on 3Y CAGR.

Name	CAGR 3Y (Cr)	Minimum SIP (Rs)
SBI PSU Fund	41.61	1500
Aditya Birla SL PSU Equity Fund	41.20	100
Bank of India Credit Risk Fund	39.53	100
ICICI Pru Bharat 22 FOF	39.17	100
Invesco India PSU Equity Fund	38.61	500
Motilal Oswal Midcap Fund	38.58	1500
ICICI Pru Infrastructure Fund	37.75	100
HDFC Infrastructure Fund	37.04	100
Nippon India Power & Infra Fund	36.55	100
DSP India T.I.G.E.R Fund	36.07	100

Top Performing Mutual Funds In Last 3 Years Based on Exit Load

Top Performing Mutual Funds In the Last 3 Years Based on Exit Load, i.e., the fee that the AMC charges investors when they exit or redeem their fund units.

Name	AMC	Exit Load (%)
Bank of India Credit Risk Fund	Bank of India Investment Managers Private Limited	3
Aditya Birla SL PSU Equity Fund	Aditya Birla Sun Life AMC Limited	1
Invesco India PSU Equity Fund	Invesco Asset Management Company Pvt Ltd.	1
Motilal Oswal Midcap Fund	Motilal Oswal Asset Management Company Limited	1
ICICI Pru Infrastructure Fund	ICICI Prudential Asset Management Company Limited	1
HDFC Infrastructure Fund	HDFC Asset Management Company Limited	1
Nippon India Power & Infra Fund	Nippon Life India Asset Management Limited	1
DSP India T.I.G.E.R Fund	DSP Investment Managers Private Limited	1
SBI PSU Fund	SBI Funds Management Limited	0.5
ICICI Pru Bharat 22 FOF	ICICI Prudential Asset Management Company Limited	0

High Dividend Yield Mutual Funds In Last 3 Years In India

The table below shows High Dividend Yield Mutual Funds In the Last 3 Years In India.

Name	Absolute Returns – 1Y (%)	Minimum SIP (Rs)
Invesco India PSU Equity Fund	84.42	500
Aditya Birla SL PSU Equity Fund	82.41	100
SBI PSU Fund	81.91	1500
Motilal Oswal Midcap Fund	70.43	1500
Nippon India Power & Infra Fund	69.08	100
DSP India T.I.G.E.R Fund	65.51	100
ICICI Pru Bharat 22 FOF	65.21	100
HDFC Infrastructure Fund	60.24	100
ICICI Pru Infrastructure Fund	60.12	100
Bank of India Credit Risk Fund	6.54	100

Historical Performance of Mutual Funds In Last 3 Years

The table below shows the Historical Performance of Mutual Funds In Last 3 Years based on 5Y CAGR.

Name	CAGR 5Y (Cr)	Minimum SIP (Rs)
Motilal Oswal Midcap Fund	35.92	1500
Invesco India PSU Equity Fund	35.00	500
Nippon India Power & Infra Fund	34.16	100
ICICI Pru Infrastructure Fund	33.85	100
DSP India T.I.G.E.R Fund	33.58	100
SBI PSU Fund	31.43	1500
HDFC Infrastructure Fund	29.36	100
ICICI Pru Bharat 22 FOF	29.09	100
Bank of India Credit Risk Fund	10.55	100
Aditya Birla SL PSU Equity Fund	0.00	100

Factors To Consider When Investing In Best Mutual Funds In Last 3 Years

When investing in the best mutual funds from the last three years, consider factors such as fund performance consistency, expense ratio, asset allocation, and fund manager expertise. Evaluating these elements helps align investment choices with personal goals and risk tolerance for optimal returns.

Fund performance consistency is essential; check if returns are sustainable across different market cycles. A lower expense ratio is preferable as it enhances net returns. Fund manager expertise and experience also play a key role, ensuring informed decisions and steady fund management.

Additionally, asset allocation within the fund should match your risk appetite and investment objectives. Funds heavily skewed towards equities may suit aggressive investors, while balanced funds fit conservative profiles. Assessing these factors can improve investment outcomes over time.

How To Invest In the Highest Return Mutual Fund In the Last 3 Years?

To invest in the Highest Return Mutual Fund In the Last 3 Years, start by researching funds with consistent long-term performance. Compare their returns, risk profiles, and investment strategies. You can invest through a broker like Alice Blue or directly with the fund house.

Begin by completing the Know Your Customer (KYC) process if you haven’t already. This typically involves submitting identity and address proof. Once your KYC is verified, you can invest online or offline by filling out the application form and making the payment.

Consider setting up a Systematic Investment Plan (SIP) for regular investments, which can help in rupee cost averaging over the long term. Alternatively, you can make a lump sum investment. Regularly review your investments and rebalance if necessary to ensure they align with your financial goals.

Impact of Government Policies on Mutual Funds

Government policies directly influence mutual funds through tax regulations, interest rates, and financial reforms. Favorable tax policies encourage investment, while higher interest rates can shift focus from equities to debt funds, affecting returns.

Additionally, regulatory changes in sectors like real estate or infrastructure impact fund performance, as portfolio composition might include companies affected by such policies. A stable policy environment supports mutual fund growth, making funds attractive to investors.

How Mutual Funds Perform in Economic Downturns?

In economic downturns, mutual funds often experience volatility, especially equity funds, as markets decline. Debt and balanced funds typically fare better due to their conservative asset allocation, providing more stability.

During these periods, fund managers may adjust holdings to safer assets, like government bonds, to preserve capital. Performance depends on fund type, with defensive sectors often yielding more consistent returns in turbulent times.

Advantages Of Investing In Mutual Funds In Last 3 Years?

The main advantages of investing in mutual funds over the last three years include access to professional management, diversification across various asset classes, and strong returns despite market volatility. Mutual funds have also offered liquidity and ease of investment for individual investors.

• Professional Management: Mutual funds are managed by experienced professionals who select investments strategically. Their expertise helps navigate volatile markets, enhancing potential returns and ensuring alignment with the fund’s objectives.

• Diversification: Investing in mutual funds provides diversification across stocks, bonds, and other assets, reducing risk exposure. This balanced approach protects against losses in any single sector, ensuring stable returns over time.

• Strong Returns: Many mutual funds have delivered strong returns over the past three years, leveraging market opportunities. This has benefited investors seeking inflation-beating growth and long-term capital appreciation.

• Liquidity: Mutual funds offer liquidity, allowing investors to buy or sell units at current Net Asset Value (NAV). This flexibility is especially valuable in times of sudden financial need.

• Ease of Investment: Mutual funds offer easy access through online platforms and SIP options, enabling investors to start small. This convenience has made mutual funds accessible to a broad range of investors.

Risks Of Investing In Best Performing Mutual Funds In Last 3 Years?

The main risks of investing in the best-performing mutual funds from the last three years include potential market volatility, overreliance on past performance, sector concentration, and economic fluctuations. High returns aren’t guaranteed, and changing market conditions can impact future performance significantly.

• Market Volatility: High-performing funds may experience significant price swings, especially in turbulent markets. Economic changes and geopolitical events can impact returns, posing risks to investors who may be unprepared for sharp fluctuations.

• Past Performance Reliance: Investing solely based on past success can be misleading. Top-performing funds may not sustain returns in the future, as market conditions and fund strategies can shift, affecting future performance.

• Sector Concentration: Some high-performing funds may focus on specific sectors. If that sector underperforms, the fund’s returns could suffer. This concentration risk can result in increased volatility for investors.

• Economic Fluctuations: Economic downturns or interest rate changes can negatively impact mutual fund returns. Funds exposed to impacted sectors may struggle to maintain past gains, posing risks to long-term investors.

• Interest Rate Sensitivity: Changes in interest rates can affect mutual fund returns, particularly for debt-oriented funds. Rising rates may lead to losses in bond prices, impacting the fund’s overall performance.

Mutual Fund GDP Contribution

Mutual funds contribute to GDP by channeling household savings into capital markets, facilitating economic growth. By funding businesses, mutual funds support job creation, industrial expansion, and infrastructure development.

Additionally, mutual fund growth promotes financial inclusion by providing investment access to retail investors. This broadened market participation boosts overall economic stability, enhancing GDP contribution over time.

Who Should Invest in Best Performing Mutual Funds In Last 3 Years?

Investors with a moderate to high-risk tolerance seeking long-term growth may consider the best-performing mutual funds from the last three years. These funds are ideal for those looking to diversify across high-potential equities and bonds.

Additionally, investors aiming for inflation-beating returns can benefit from these funds’ proven performance. However, investing in past performers should always align with individual goals, risk tolerance, and market outlook.

Best Performing Mutual Funds In Last 3 Years – FAQs 

 

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