Best mutual fund to invest in 2021

 

TODAY IS THE BEST TIME TO INVEST IN STOCKMARKET(INDIA)

Sensex booming since 14-Jun-2021 (52,551) to 8 Sept-2021 (58,250) date and expected to be cross 61000 by the year end as per Finanacial experts.Investor most of the time get confuse and don’t know where to invest,without doing analysis of any stock or mutual funds may invite much risk and loss ,also it is hard to manage the investor psychology , thier fear and greed.

PORTFOLIO WITH DIVERSIFICATIONS

So avoid much risk and get much gain/profit diversification is a technique that reduces risk by allocating investments among various financial instruments, industries and other categories.So here fund manager use this techniques to allocate funds in different sectors ,stocks, invest in other financial products, such as bonds, cash, or commodities like gold and other precious metals to lower the rsik and get much profit this are advantages to mutual funds.

BEFORE INVESTING IN MUTUAL FUNDS

SEARCH FOR MUTUAL FUNDS WITH HIGHEST RETURN AND CHECK WITH BELOW PARAMETERS

Performance Since its inception (From started date)
Last 1 Year
Since last 3 Year
Since last 10 year
Beta
Alpha
Standard Deviations
Exit Load
Expenses Ratio

Stock Market Industry Beta is the measure of how a stock’s trading price moves compared to the market as a whole. Knowing this figure one can understand how volatile a stock is. A beta of 1 means a stock’s price fluctuates exactly as much as the market. A beta less than 1 means a stock is less volatile than the market and a beta greater than 1 means that stock is more volatile than the market.

BETA

Beta is is a measure of relative risk, it tells us how risky the stock or MF is compared to its industry benchmark.
Beta represents how much funds return will vary compared to its industry benchmark.Beta also measures the volatility of the fund but with its industry benchmark.

Take example of “S&P Sensex 500” (For Benchmark ) and one of its mutual fund “SBI Contra Fund – Regular Plan – Growth” mutual funds

Case Beta=1
Suppose now if market “S&P Sensex 500” up by 10% and fund’s beta is 1.0, then Fund’s NAV will be 10% align with market 10% (Same Benefit as market benchmark)
Suppose now if market “S&P Sensex 500” down by 10% and fund’s beta is 1.0 then Fund’s NAV will be 10% align with market 10% (Same Loss as its market benchmark)

Case Beta >1
Suppose now if market “S&P Sensex 500” up by 10% and fund’s beta is 1.1, then Fund’s NAV will be up by 11% rather 10% (high Benefit compare to market benchmark)
Suppose now if market “S&P Sensex 500” down by 10% and fund’s beta is 1.1 then Fund’s NAV will be down by 11% not 10%(high loss compare to market benchmark)

Case Beta<1

Suppose now if market “S&P Sensex 500” up by 10% and fund’s beta is 0.8, then Fund’s NAV will be up by 8% rather 10% (less benefit compare to market benchmark)
Suppose now if market “S&P Sensex 500” down by 10% and fund’s beta is 0.8 then Fund’s NAV will be down by 8% not 10% (less loss compare to market benchmark )

ALPHA

Alpha is the excess return of the fund over above its industry benchmark returns. Alpha is a risk-adjusted. The fund is rewarded if the returns are generated by keeping a low-risk profile and penalized for being volatile.

Comparing two funds with same level:
Suppose Fund A having beta :1.3
Suppose Fund B having the Same beta :1.3
A Alpha : 1.5
B Alpha : 2.0
Here Fund B is better because it gives higher risk-adjusted returns than Fund A (For same Profile Risk)

EXIT LOAD

If investor exit the scheme fully or partially from specific date from investment, he will charge some fee/penalty
by mutual funds house is nothing but Exit load that will be mention Scheme Information Document.

% of fund deducted from investors invested funds

EXPENSES RATIO

The expense ratio for a fund is calculated by dividing the the expenses for managing and operating the funds
=Total value of fund assets/(Management Fee + Operating Expenses)

SD ( STANDARD DEVIATION )

SD ( Standard deviation ) measures volatility of the fund’s return against its own return.Higher the number, higher will be the volatility in fund’s return.

HIGHLIGHT POINTS

Beta values gives us the relative risk of the fund compared to its benchmark (high beta –high Risk,lower beta value–lower Risk)
Alpha values gives us excess return over and above the benchmark return on a risk-adjusted basis
Higher the beta, lower is the alpha and vice versa
If higher is the volatility (higher risk) of the fund ,here higher will be SD
Unit of return earned for every unit of risk undertaken is called “Share ratio” ,higher its value mean better the funds

REGULATORY BODY IN INDIA

A mutual fund is required to be registered with Securities and Exchange Board of India (SEBI) and mutual funds regulated by SEBI before it can collect funds from the public.In india mutual funds are regulated by SEBI and is Regulatory body for Mutual funds.

MUTUAL FUNDS LARGE CAP,MUTUAL FUNDS SMALL CAP AND MID CAPS

BEST LARGE CAP MUTUAL FUNDS TO INVEST IN 2021

The stock of publicly traded companies that have a market capitalisation more than Rs 20,000 crore are classified under large cap.

Large Cap Mutual funds

MUTUAL FUNDS TOP 10 AND MORE

Scheme Name	Inception Date	Latest AUM (In INR Crs)	Expense Ratio	NAV	ExitLoad	1 Yr	5 Yr	10 Yr	Alpha (%)	SHARPE	Std Dev	BETA	Weighted Average	LargeCap	MidCap	SmallCap	Debt/Others
Aditya Birla SL Focused Equity Fund(G)	24-Oct-05	4968.10	2.02	91.04	1% on or before 365D, Nil after 365D	50.30	13.61	15.74	-2.36	0.32	21.13	0.93	35386.21	84.83	6.38	1.48	7.31
Aditya Birla SL Frontline Equity Fund(G)	30-Aug-02	21020.31	1.76	336.93	1% on or before 90D, Nil after 90D	52.52	12.87	15.44	-4.06	0.26	23.20	1.03	34350.67	84.76	11.59	1.79	1.87
Axis Bluechip Fund-Reg(G)	05-Jan-10	29160.60	1.71	46.56	Nil for 10% of investments and 1% for remaining investments on or before 12M, Nil after 12M	49.14	17.48	16.54	4.31	0.69	15.90	0.68	48180.36	93.20			6.80
Baroda Large Cap Fund(G)	22-Jun-10	45.33	2.55	21.96	1% on or Before 1Y, Nil after 1Y	48.48	12.62	10.47	-0.94	0.35	19.88	0.88	29841.81	83.73	6.46		9.82
BNP Paribas Large Cap Fund(G)	23-Sep-04	1128.86	2.29	138.92	Nil upto 10% of Units within 12M, 1% exceding 10% of Units within 12M, Nil after 12M	45.86	14.01	15.56	0.83	0.47	18.04	0.77	42809.79	87.90	4.31	3.38	4.41
Canara Rob Bluechip Equity Fund-Reg(G)	20-Aug-10	3691.25	1.93	41.63	1% on or before 1Y, Nil after 1Y	49.80	16.83	15.37	4.50	0.63	18.61	0.79	41469.30	83.93	11.33		4.74
DSP Top 100 Equity Fund-Reg(G)	10-Mar-03	2845.05	2.07	302.15	1% before 12M, Nil on or after 12M	50.28	11.42	12.47	-3.13	0.24	21.31	0.90	29038.80	79.77	19.95		0.28
Edelweiss Large Cap Fund(G)	20-May-09	262.98	2.5	54.59	1% on or before 365D, Nil after 365D	48.71	14.60	15.14	-0.85	0.39	20.45	0.91	31920.84	72.91	11.03		16.06
Navi Large Cap Equity Fund(G)	28-Sep-11	100.51	2.55	34.00	Nil	49.72	12.70		-4.03	0.25	21.80	0.96	44247.90	82.90	10.87	4.05	2.17
Franklin India Bluechip Fund(G)	01-Dec-93	6463.73	1.88	698.15	1% on or before 1Y	57.87	12.19	13.28	-3.85	0.25	26.19	1.16	25846.98	83.56	6.41		10.03
HDFC Top 100 Fund(G)	03-Sep-96	19956.83	1.85	664.17	1% on or before 1Y, Nil after 1Y	48.20	12.48	13.27	-4.01	0.23	24.23	1.06	39065.97	86.65	8.71	0.79	3.85
HSBC Large Cap Equity Fund(G)	10-Dec-02	746.17	2.43	317.23	1% on or before 1Y, Nil after 1Y	48.55	13.91	12.99	-1.77	0.35	20.51	0.90	47537.31	92.21	5.83		1.96
ICICI Pru Bluechip Fund(G)	23-May-08	28287.57	1.7	63.27	1% on or before 1Y, NIL after 1Y	49.08	14.33	15.31	-1.68	0.32	21.98	0.98	38508.54	89.10	5.69	0.60	4.61
IDBI India Top 100 Equity Fund(G)	15-May-12	486.26	2.67	38.74	1% on or before 1Y,Nil after 1Y	55.40	12.83		-1.23	0.33	21.70	0.94	39267.87	80.40	15.55	2.39	1.66
IDFC Large Cap Fund-Reg(G)	09-Jun-06	822.96	2.47	49.29	Nil upto 10% of investment and 1% for remaining investments on or before 365D, Nil after 365D	45.27	13.93	13.02	-0.93	0.34	19.46	0.83	42634.33	84.78	9.45	0.50	5.27
Indiabulls Blue Chip Fund(G)	10-Feb-12	102.52	2.43	28.51	1% on or before 7D, Nil after 7D	38.13	11.77		-3.78	0.23	18.38	0.81	45820.02	88.95	5.28	3.91	1.85

Research data till Aug 2021

BEST MID CAP MUTUAL FUNDS TO INVETS IN 2021

The stock of publicly traded companies that have a market capitalisation of more than Rs 20,000 crore and less than Rs 20,000 crore are classified under Mid cap.

Mid Cap Mutual funds

Scheme Name	Inception Date	Latest AUM (In INR Crs)	Expense Ratio	NAV	ExitLoad	1 Yr	5 Yr	10 Yr	Alpha (%)	SHARPE	Std Dev	BETA	Weighted Average	LargeCap	MidCap	SmallCap	Debt/Others
Edelweiss Mid Cap Fund-Reg(G)	26-Dec-07	1599.94	2.12	48.58	1% on or before 12M, Nil after 12M	72.02	17.64	20.73	3.34	0.29	33.75	0.93	2704.96	1.54	70.70	25.56	2.20
Franklin India Prima Fund(G)	01-Dec-93	7868.97	1.83	1505.34	1% on or before 1Y	61.69	13.66	19.34	-1.32	0.23	28.29	0.82	8115.97	20.68	68.11	7.31	3.91
HDFC Mid-Cap Opportunities Fund(G)	25-Jun-07	30524.73	1.85	88.34	1% on or before 1Y, Nil after 1Y	61.11	14.37	19.04	0.86	0.22	31.10	0.86	2561.94	7.46	66.42	22.35	3.77
ICICI Pru Midcap Fund(G)	28-Oct-04	2992.64	2.16	155.66	1% on or before 1Y, Nil after 1Y	66.11	15.11	18.21	-2.18	0.21	34.41	1.00	2923.16	7.40	66.84	19.79	5.97
IDBI Midcap Fund(G)	25-Jan-17	211.79	2.61	17.28	1% on or before 12M	60.15			-1.15	0.15	29.74	0.82	6016.14	24.09	67.89	6.45	1.56
Invesco India Midcap Fund(G)	19-Apr-07	1860.70	2.24	82.99	Nil upto 10% of units and 1% for above the limits on or before 1Y, Nil after 1Y	56.97	16.96	19.01	5.18	0.40	24.94	0.69	3898.28	11.33	67.70	18.66	2.31
Kotak Emerging Equity Fund(G)	30-Mar-07	15193.40	1.82	69.83	Nil upto 10% of investment and 1% for remaining investment on or before 1Y, Nil after 1Y	71.74	17.41	20.76	4.58	0.34	31.94	0.88	4154.76	10.77	69.54	15.14	4.56
L&T Midcap Fund-Reg(G)	09-Aug-04	6963.66	1.87	205.15	Nil upto 10% of units and 1% for above the limits on or before 1Y, Nil after 1Y	52.48	15.26	18.91	-0.78	0.16	26.64	0.74	2802.86	7.82	77.65	13.77	0.76
Mahindra Manulife Mid Cap Unnati Yojana-Reg(G)	30-Jan-18	795.69	2.29	16.58	1% on or before 1Y, Nil after 1Y	65.57			3.52	0.41	28.76	0.85	3081.06	8.54	67.82	20.11	3.53
Mirae Asset Midcap Fund-Reg(G)	29-Jul-19	5926.52	1.88	20.19	1% on or before 365D, Nil after 365D	75.47			4.85	1.30	34.93	0.95	7036.32	18.33	65.95	14.49	1.23
Motilal Oswal Midcap 30 Fund-Reg(G)	24-Feb-14	2150.93	2.10	40.06	1% on or before 15D, Nil after 15D	62.05	11.55		0.06	0.19	26.46	0.71	4437.30	9.30	69.72	12.85	8.13
Nippon India Growth Fund(G)	08-Oct-95	11107.41	1.94	1975.98	1% on or before 1M, Nil after 1M	67.81	17.11	17.09	3.69	0.32	30.15	0.93	4701.97	12.70	65.96	19.18	2.17
PGIM India Midcap Opp Fund-Reg(G)	02-Dec-13	2383.38	2.26	41.24	Nil upto 10% of units and 0.50% for remaining units on or before 90D, Nil after 90D	89.09	19.73		9.43	0.42	40.97	1.11	4072.00	10.17	66.57	17.49	5.77
Principal Midcap Fund-Reg(G)	30-Dec-19	414.39	2.45	16.86	Nil upto 24% of units and 1% for remaining units on or before 365D, Nil after 365D	64.17			7.02	2.63	20.30	0.71	5348.90	15.55	65.56	16.65	2.24
Quant Mid Cap Fund(G)	26-Feb-01	157.64	2.25	110.75	0.50% on or before 3M, Nil after 3M	78.77	19.01	14.94	5.29	0.42	34.22	0.98	5131.48	9.38	78.13	8.43	4.06
Sahara Midcap Fund(G)	22-Dec-04	5.93	2.30	62.30	1% on or before 1Y, Nil after 1Y	-21.82	2.62	8.39	3.90	0.18	18.77	0.92	27167.34	1.89			98.11
SBI Magnum Midcap Fund-Reg(G)	29-Mar-05	5928.65	2.08	129.99	1% on or before 1Y, Nil after 1Y	76.08	13.21	19.55	-7.93	0.25	35.79	1.55	2304.22	3.38	65.75	24.01	6.86
Sundaram Mid Cap Fund(G)	19-Jul-02	6783.54	1.91	697.92	Nil upto 25% of units and 1% for remaining units of or before 365D, Nil after 365D	60.29	11.37	16.82	-3.65	0.06	28.29	0.78	4069.05	16.71	71.91	8.31	3.08
Tata Mid Cap Growth Fund(G)	01-Jul-94	1350.28	2.30	240.17	Nil upto 12% of investments and 1% for remaining investments on or before 365D, Nil after 365D	65.86	16.85	19.30	4.40	0.35	27.51	0.75	4569.35	17.71	66.28	14.41	1.60
Taurus Discovery (Midcap) Fund-Reg(G)	05-Sep-94	76.50	2.55	71.86	1% on or before 365D, Nil after 365D	51.22	15.66	17.78	3.31	0.32	25.63	0.70	2806.01	11.98	66.62	19.05	2.35
UTI Mid Cap Fund-Reg(G)	30-Jul-05	6290.04	2.18	182.46	1% on or before 1Y, Nil after 1Y	68.24	14.85	19.73	-0.01	0.27	32.41	0.94	3212.81	13.45	65.79	19.42	1.34

Research data till Aug 2021

BEST SMALL CAP MUTUAL FUNDS TO INVEST IN 2021

The stock of publicly traded companies that have a market capitalisation ranging less than Rs 5,000 crore are classified under Small cap.

Small cap Mutual Funds

Scheme Name	Inception Date	Latest AUM (In INR Crs)	Expense Ratio	NAV	ExitLoad	1 Yr	5 Yr	10 Yr	Alpha (%)	SHARPE	Std Dev	BETA	Weighted Average	LargeCap	MidCap	SmallCap	Debt/Others
Aditya Birla SL Small Cap Fund(G)	31-May-07	3058.02	2.12	53.35	1% on or before 365D, Nil after 365D	81.03	11.70	16.44	-1.54	0.06	44.12	0.89	1279.38	1.27	21.56	74.19	2.98
Axis Small Cap Fund-Reg(G)	29-Nov-13	6785.27	1.95	57.33	Nil for 10% of investments and 1% for remaining investments on or before 12M, Nil after 12M	76.84	20.74		12.22	0.51	29.44	0.58	1279.68	0.17	21.60	67.37	10.87
BOI AXA Small Cap Fund-Reg(G)	19-Dec-18	181.76	2.74	24.28	Nil upto 10% of units and 1% for excess units on or before 1Y, Nil after 1Y	82.83			22.87	0.99	41.75	0.73	2004.67	1.27	14.82	78.63	5.28
Canara Rob Small Cap Fund-Reg(G)	15-Feb-19	1430.46	2.28	20.97	1% on or before 1Y, Nil after 1Y	86.23			11.58	0.81	45.29	0.83	1062.88	1.62	14.37	81.34	2.67
DSP Small Cap Fund-Reg(G)	14-Jun-07	8265.99	1.86	100.70	1% before 12M, Nil on or after 12M	71.91	14.72	21.16	1.04	0.22	39.81	0.89	999.44		18.83	78.75	2.42
Edelweiss Small Cap Fund-Reg(G)	07-Feb-19	1027.82	2.25	22.50	1% on or before 365D, NIL after 365D	84.46			10.70	0.79	44.30	0.82	1283.58		27.34	70.00	2.65
Franklin India Smaller Cos Fund(G)	13-Jan-06	7214.29	1.81	85.76	1% on or before 1Y	83.01	12.61	20.53	-0.90	0.11	40.21	0.85	3575.75	6.30	14.97	73.79	4.94
HDFC Small Cap Fund-Reg(G)	03-Apr-08	13274.62	1.88	70.20	1% on or before 1Y, Nil after 1Y	85.70	18.01	18.13	3.56	0.18	41.88	0.83	1046.24	1.77	8.70	84.33	5.20
HSBC Small Cap Equity Fund(G)	19-May-05	359.08	2.5	83.31	1% on or before 1Y, Nil after 1Y	84.82	13.60	17.18	-1.58	0.10	41.35	0.90	3583.91	4.07	25.74	69.39	0.80
ICICI Pru Smallcap Fund(G)	18-Oct-07	3001.62	2.18	47.88	1% on or before 1Y, NIL after 1Y	88.80	16.14	17.14	4.82	0.25	42.46	0.90	873.18		8.53	79.34	12.12
IDBI Small Cap Fund(G)	21-Jun-17	126.21	2.54	15.75	1% on or before 12M	77.77			0.00	0.13	36.86	0.79	1181.63		20.73	78.06	1.21
Invesco India Smallcap Fund-Reg(G)	30-Oct-18	1215.08	2.26	20.23	Nil upto 10% of units and 1% for above the limits on or before 1Y, Nil after 1Y	78.40			7.74	0.66	36.32	0.70	1121.94		19.64	74.30	6.06
Kotak Small Cap Fund(G)	24-Feb-05	5348.63	1.97	153.90	Nil upto 10% of investment and 1% for remaining investment on or before 1Y, Nil after 1Y	99.59	19.73	20.49	11.18	0.34	46.33	0.94	1979.22	2.73	25.17	64.64	7.46
L&T Emerging Businesses Fund-Reg(G)	12-May-14	7350.11	1.88	40.83	Nil upto 10% of units and 1% for above the limits on or before 1Y, Nil after 1Y	88.56	18.11		-3.02	0.12	41.96	0.92	1184.71		26.59	72.26	1.15
Nippon India Small Cap Fund(G)	16-Sep-10	16612.55	1.90	78.36	1% on or before 1M, Nil after 1M	89.72	21.69	24.15	5.66	0.26	43.48	0.93	2086.59	7.44	17.18	72.89	2.48
Principal Small Cap Fund-Reg(G)	13-May-19	445.69	2.49	21.49	Nil upto 24% of units and 1% for remaining units on or before 365D, Nil after 365D	83.83			16.52	1.11	40.31	0.72	3407.48	7.37	22.38	64.80	5.45
Quant Small Cap Fund(G)	16-Oct-96	1053.20	2.25	121.23	1% on or before 1Y, Nil after 1Y	111.76	20.75	15.09	19.55	0.41	68.86	1.42	1645.20	5.81	5.76	83.17	5.25

Research data till Aug 2021

Note : Mutual funds are subject to market risk ,Please read all documents and investigate again before investing

For Tax Saving Mutual funds ELSS i.e tax for mutual funds Please Click here

For mutual funds NSE Click here