Best Mutual Fund In India For Long Term

The table below shows the Best Mutual Fund In India For the Long Term based on AUM, NAV, and minimum SIP.

What Are Long Term Mutual Funds?

Long-term mutual funds are investment vehicles designed for holding periods of typically five years or more. They invest in a diversified portfolio of stocks, bonds, or other securities, aiming for substantial growth over time. These funds benefit from compounding returns and are suitable for achieving long-term financial goals.

Best Mutual Fund In India For Long Term

The table below shows the Best Mutual Fund In India For the Long Term based on the Highest 5Y CAGR. 

Top Mutual Fund In India For Long Term

The table below shows the Top Mutual Fund In India For Long Term based on exit load i.e. the fee that the AMC charges investors when exiting or redeeming their fund units.

Best Performing Mutual Funds In India For Long Term Investment

The table below shows the best-performing Mutual Funds In India For Long Term Investment based on Absolute 1 Year Return and AMC. 

Performance Metrics Of Best Mutual Fund In India For Long Term

Performance metrics of the best mutual fund in India for long-term investments are crucial indicators that can help investors gauge the potential success and reliability of their investments, ensuring they align with their financial goals.

1. Historical Returns: Consistent and strong returns over an extended period, reflecting the fund’s ability to perform well through various market cycles.

2. Expense Ratio: The fund’s cost of management, which should be competitive to maximize investor returns.

3. Fund Manager’s Experience: The expertise and track record of the fund manager in making sound investment decisions.

4. Risk-Adjusted Returns: Metrics such as the Sharpe ratio, indicate how well the fund compensates investors for the risk taken.

5. Asset Allocation: The diversification and strategic allocation of assets within the fund, ensuring a balanced risk-reward profile.

How Do You Invest In Mutual Fund In India For Long Term?

To invest in mutual funds in India for the long term, open an account with a trusted broker or mutual fund house. Complete your KYC, choose a fund that aligns with your goals, and start a SIP (Systematic Investment Plan) for regular contributions. Monitor your investment periodically and adjust as needed to stay aligned with your financial objectives.

Benefits Of Investing In Best Mutual Fund In India For Long Term

The benefits of investing in the best mutual fund in India for the long term include many advantages that can significantly enhance your financial growth and security, fostering a stable and prosperous investment journey.

1. Diversification: Mutual funds pool money from many investors to buy a diversified portfolio of stocks, bonds, and other securities, reducing the risk associated with individual investments.

2. Professional Management: Mutual funds are managed by professional fund managers who have the expertise and resources to make informed investment decisions on behalf of investors.

3. Cost Efficiency: Mutual funds often benefit from economies of scale, resulting in lower transaction costs and management fees compared to investing directly in individual securities.

4. Liquidity: Mutual fund investments can be easily bought and sold, providing investors with liquidity and flexibility to access their money when needed.

5. Tax Efficiency: Long-term investments in mutual funds can be tax-efficient, as they often benefit from lower long-term capital gains tax rates compared to short-term investments.

Challenges Of Investing In Mutual Fund In India For Long Term

The challenges of investing in mutual funds in India in the long term involve navigating market volatility, understanding fund performance, and dealing with regulatory changes, which can impact returns and investor confidence over time.

1. Market Volatility: The market’s fluctuating nature can lead to significant variations in the value of mutual fund investments.

2. Fund Performance: Predicting which funds will perform well in the long term is challenging due to numerous influencing factors.

3. Regulatory Changes: Shifts in government policies and regulations can affect the mutual fund landscape and investor returns.

4. Inflation Impact: Over the long term, inflation can erode the real value of returns on mutual fund investments.

5. Management Fees: Ongoing fees for managing mutual funds can accumulate, reducing overall returns for investors.

Introduction to Best Mutual Fund In India For Long Term

Nippon India Nivesh Lakshya Fund

Nippon India Nivesh Lakshya Fund Direct – Growth is a Long Duration mutual fund scheme from Nippon India Mutual Fund. This fund has been in existence for 6 years 4 months, having been launched on 18/06/2018.

The fund has an exit load of 1.0% and an expense ratio of 0.3%. Over the past 5 years, it has achieved a Compound Annual Growth Rate (CAGR) of 7.4%. With Assets Under Management (AUM) amounting to ₹8,820.17 crore, the fund is classified as Moerate-risk. The actual asset composition includes : No Equity, 96.83% Debt, 3.17% in Others.

HDFC Long Duration Debt Fund

HDFC Long Duration Debt Fund Direct – Growth is a Long Duration mutual fund scheme from Hdfc Mutual Fund. This fund has been in existence for 1 years 9 months, having been launched on 06/01/2023.

The fund has no exit load and an expense ratio of 0.25%. With a moderate risk level, it has achieved an Annual Growth of 13.86% over the past year. The fund manages assets totaling ₹4,865.63 crore.

The actual asset composition includes : No Equity, 98.85% Debt, 1.15% in Others.

SBI Long Duration Fund

SBI Long Duration Fund Direct – Growth is a Long Duration mutual fund scheme from Sbi Mutual Fund. This fund has been in existence for 1 years 10 months, having been launched on 12/12/2022.

The fund has an exit load of 0.25% and an expense ratio of 0.23%. It is important to note that this fund carries a Moderate risk level. However,  it has achieved an Annual Growth of 13.7% over the past year. Additionally, the fund manages significant assets, with its Assets Under Management (AUM) totaling ₹2,406.69 crore.

The actual asset composition includes : No Equity, 93.94% in Debt, 6.06% in Others.

ICICI Pru Long Term Bond Fund

ICICI Prudential Long Term Bond Fund Direct Plan-Growth is a Long Duration mutual fund scheme from Icici Prudential Mutual Fund. This fund has been in existence for 11 years 10 months, having been launched on 01/01/2013.

The Fund has no exit load and an expense ratio of 0.4%. It is important to note that this fund carries a Moderate risk level. However, it has shown performance over the past 5 years, with a Compound Annual Growth Rate (CAGR) of 6.45%. Additionally, the fund manages a substantial amount of assets, with its Assets Under Management (AUM) totaling ₹991.18 crore.

The actual asset composition includes :  No Equity, 95.66% Debt, 4.34% in Others.

Axis Long Duration Fund

Axis Long Duration Fund Direct-Growth is a Long Duration mutual fund scheme from Axis Mutual Fund. This fund has been in existence for 1 years 10 months, having been launched on 07/12/2022.

The Fund has an exit load of 1.0% and an expense ratio of 0.26%. This fund carries a Moderate risk level. It has achieved an Annual Growth of 13.39% over the past year. Additionally, the fund manages a substantial amount of assets, with its Assets Under Management (AUM) totaling ₹387.2 crore.

The actual asset composition includes : No Equity, 99.53% Debt, 0.47% in Others.

Kotak Long Duration Fund

Kotak Long Duration Fund Direct – Growth is a Long Duration mutual fund scheme from Kotak Mahindra Mutual Fund. This fund has been in existence for 8 months, having been launched on 28/02/2024.

The Fund has no exit load and an expense ratio of 0.34%. It is important to note that this fund carries a Moderate risk level. Additionally, the fund manages a significant amount of assets, with its Assets Under Management (AUM) totaling ₹184.73 crore.

The actual asset composition includes : No Equity, 94.8% Debt, 5.2% in Others.

Bandhan Long Duration Fund

Bandhan Long Duration Fund Direct-Growth is a Long Duration mutual fund scheme from Bandhan Mutual Fund. This fund has been in existence for 8 months, having been launched on 05/03/2024.

The Fund has no exit load and an expense ratio of 0.25%. It is important to note that this fund carries a Moderate risk level. Additionally, the fund manages significant assets, with its Assets Under Management (AUM) totaling ₹135.99 crore.

The actual asset composition includes : No Equity, 97.87% in Debt, 2.13% in Others.

Aditya Birla SL Long Duration Fund

Aditya Birla Sun Life Long Duration Fund Direct-Growth is a Long Duration mutual fund scheme from Aditya Birla Sun Life Mutual Fund. This fund has been in existence for 2 years 3 months, having been launched on 22/07/2022.

The Fund has no exit load and an expense ratio of 0.43%. It is important to note that this fund carries a Moderate risk level. It has achieved an Annual Growth of 12.65% over the past year. Additionally, the fund manages significant assets, with its Assets Under Management (AUM) totaling ₹131.86 crore.

The actual asset composition includes : No Equity, 91.56% in Debt, 8.44% in Others.

UTI Long Duration Fund

UTI Long Duration Fund Direct – Growth is a Long Duration mutual fund scheme from Uti Mutual Fund. This fund has been in existence for 1 years 7 months, having been launched on 06/03/2023. 

The Fund has no exit load and an expense ratio of 0.6%. It is important to note that this fund carries a Moderate risk level. It has achieved an Annual Growth of 13.02% over the past year. Additionally, the fund manages a significant amount of assets, with its Assets Under Management (AUM) totaling ₹109.21 crores.

The actual asset composition includes : Nil in Equity, 97.76% in Debt, 2.24% in Others.

Best Performing Mutual Funds In India For Long Term Investment – FAQs

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Disclaimer: The above article is written for educational purposes, and the companies’ data mentioned in the article may change with respect to time The securities quoted are exemplary and are not recommendatory.