Long Duration mutual funds refer to funds that have excellent potential and the ability to provide high returns. However, these funds are very volatile in nature and come with high risks. When you take such a Long Duration mutual fund, you will be required to actively and thoroughly review the performance of these funds from time to time. This will help you be aware of how your fund is doing in the market.
These Long Duration mutual funds typically provide great dividends to an investor. If you are someone who is willing to take a high risk in order to receive good returns, then you can choose such a fund.
Long Duration mutual funds buy shares of different companies and invest the investor's money into those shares based on certain criteria.
By equity, we mean ownership. So when an individual or an institution buys stocks or shares of a company which is basically a borrower, then the individual acquires ownership in the company based on the number of units of stock or shares bought by him/her. Equity mutual funds give returns based on the market conditions. Like debt funds, they do not provide a fixed return over a period of time, but the return is dependent on the performance of the company on a daily basis. Hence the market value of equity mutual funds changes on a daily basis.
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| Fund Name | Category | Risk | 1Y Returns | Rating | Fund Size(in Cr) |
|---|---|---|---|---|---|
Motilal Oswal Midcap Fund | Equity | Very High | 65.7% | 5 | ₹18,604 |
Quant Tax Plan Fund | Equity | Very High | 25.8% | 5 | ₹5,614 |
ICICI Prudential BHARAT 22 FOF Fund | Equity | Very High | 49.8% | 5 | ₹2,183 |
LIC MF Infrastructure Fund | Equity | Very High | 62.5% | 5 | ₹750 |
Nippon India Small Cap Fund | Equity | Very High | 40.7% | 5 | ₹62,259 |
Kotak Infrastructure and Economic Reform Fund | Equity | Very High | 48.1% | 5 | ₹2,524 |
Invesco India Infrastructure Fund | Equity | Very High | 57.1% | 5 | ₹1,666 |
Bandhan Tax Advantage (ELSS) Fund | Equity | Very High | 16.8% | 5 | ₹5,160 |
Tata Small Cap Fund | Equity | Very High | 44.2% | 5 | ₹9,319 |
Motilal Oswal Large and Midcap Fund | Equity | Moderately High | 58.3% | 5 | ₹6,500 |
Quant Mid Cap Fund | Equity | Very High | 41.0% | 5 | ₹9,500 |
Quant Small Cap Fund | Equity | Very High | 44.9% | 5 | ₹26,644 |
JM Flexicap Fund | Equity | Very High | 50.8% | 5 | ₹4,531 |
SBI Contra Fund | Equity | Very High | 41.7% | 5 | ₹41,326 |
ICICI Prudential Retirement Fund | Equity | Moderately High | 47.3% | 5 | ₹1,035 |
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The basic difference between debt mutual funds and equity mutual funds is the investment destination. Debt mutual funds invest a large proportion (at least 65%) of the total money collected from investors into fixed income securities like Corporate Bonds, Government Bonds, Bonds issued by banks, Treasury Bills, etc. You can read more about the types of debt funds available here.
These funds are better suited to investors who do not want to participate in the market volatility as these instruments are uncorrelated with the stock market performance. Investors in debt oriented funds also seek regular and stable returns or want to achieve some financial goal like buying a house, or paying for their child's education at a certain point of time in the future. Such investments are generally made for short to medium term. Equity mutual funds are more suited to investors who are not risk averse and are looking for medium to long term investments. It enables the investors to benefit out of the volatile nature of market. Unlike debt funds, equity funds do not have a predefined maturity date and can be redeemed upon the request of the investor.
Absence of lock-in period adds to the liquid nature of the fund. In India, mutual fund returns have outperformed returns generated by stock market indices. It also allows the investor to take advantage of the expertise and knowledge of the fund manager as most funds are actively managed. Depending upon your risk appetite, you may choose to invest in small cap, mid cap or large cap companies.
Suppose a mutual fund invests in ten stocks and total current market value of these stocks is 1.1 Crore. Out of this, the AMC deducts say, 0.1 Crore for operating the fund (this is known as the expense ratio). So the net value is 1 crore. Now the AMC will divide this 1 Crore into say, 10,000 parts. These parts are known as units. The cost of one unit is 1Cr/10,000 = Rs. 1000. This is known as the Net Asset Value (NAV) of the mutual fund. Suppose the AMC has set a minimum investment requirement of Rs. 500. Then if you pay Rs. 500, you will get 0.5 units of the fund. Remember that the cost of one unit is the cost when you made the purchase. Suppose after one year, the NAV has fallen to Rs. 700 per unit and you wish to exit the fund (also known as redemption), then you sell your 0.5 units back to the AMC and get 0.5 x Rs. 700 = Rs. 350 back. Yes, you invested Rs. 500 and got back Rs. 350 – a loss of 150 over a year. The point is, that you buy units at current NAV and sell units (fully or partially) at current NAV. This is what investing in mutual fund actually means.
Now let us jump and check about these top 15 mutual fund schemes.
Fund Performance: The Motilal Oswal Midcap Fund has given 35.08% annualized returns in the past three years and 33.44% in the last 5 years. The Motilal Oswal Midcap Fund comes under the Equity category of Motilal Oswal Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in Motilal Oswal Midcap Fund via lump sum is ₹500 and via SIP is ₹500.
| Min Investment Amt | ₹500 |
|---|---|
| AUM | ₹18,604Cr |
| 1Y Returns | 65.7% |
Fund Performance: The Quant Tax Plan Fund has given 34.96% annualized returns in the past three years and 30.25% in the last 5 years. The Quant Tax Plan Fund comes under the Equity category of Quant Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in Quant Tax Plan Fund via lump sum is ₹500 and via SIP is ₹500.
| Min Investment Amt | ₹500 |
|---|---|
| AUM | ₹5,614Cr |
| 1Y Returns | 25.8% |
Fund Performance: The ICICI Prudential BHARAT 22 FOF Fund has given 33.35% annualized returns in the past three years and 25.8% in the last 5 years. The ICICI Prudential BHARAT 22 FOF Fund comes under the Equity category of ICICI Prudential Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in ICICI Prudential BHARAT 22 FOF Fund via lump sum is ₹5,000 and via SIP is ₹1,000.
| Min Investment Amt | ₹5,000 |
|---|---|
| AUM | ₹2,183Cr |
| 1Y Returns | 49.8% |
Fund Performance: The LIC MF Infrastructure Fund has given 32.59% annualized returns in the past three years and 29.33% in the last 5 years. The LIC MF Infrastructure Fund comes under the Equity category of LIC Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in LIC MF Infrastructure Fund via lump sum is ₹5,000 and via SIP is ₹200.
| Min Investment Amt | ₹5,000 |
|---|---|
| AUM | ₹750Cr |
| 1Y Returns | 62.5% |
Fund Performance: The Nippon India Small Cap Fund has given 29.85% annualized returns in the past three years and 36.94% in the last 5 years. The Nippon India Small Cap Fund comes under the Equity category of Nippon India Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in Nippon India Small Cap Fund via lump sum is ₹5,000 and via SIP is ₹100.
| Min Investment Amt | ₹5,000 |
|---|---|
| AUM | ₹62,259Cr |
| 1Y Returns | 40.7% |
Fund Performance: The Kotak Infrastructure and Economic Reform Fund has given 29.63% annualized returns in the past three years and 29.68% in the last 5 years. The Kotak Infrastructure and Economic Reform Fund comes under the Equity category of Kotak Mahindra Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in Kotak Infrastructure and Economic Reform Fund via lump sum is ₹100 and via SIP is ₹100.
| Min Investment Amt | ₹100 |
|---|---|
| AUM | ₹2,524Cr |
| 1Y Returns | 48.1% |
Fund Performance: The Invesco India Infrastructure Fund has given 29.46% annualized returns in the past three years and 32.32% in the last 5 years. The Invesco India Infrastructure Fund comes under the Equity category of Invesco Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in Invesco India Infrastructure Fund via lump sum is ₹1,000 and via SIP is ₹500.
| Min Investment Amt | ₹1,000 |
|---|---|
| AUM | ₹1,666Cr |
| 1Y Returns | 57.1% |
Fund Performance: The Bandhan Tax Advantage (ELSS) Fund has given 28.88% annualized returns in the past three years and 18.62% in the last 5 years. The Bandhan Tax Advantage (ELSS) Fund comes under the Equity category of IDFC Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in Bandhan Tax Advantage (ELSS) Fund via lump sum is ₹500 and via SIP is ₹500.
| Min Investment Amt | ₹500 |
|---|---|
| AUM | ₹5,160Cr |
| 1Y Returns | 16.8% |
Fund Performance: The Tata Small Cap Fund has given 27.49% annualized returns in the past three years and 35.12% in the last 5 years. The Tata Small Cap Fund comes under the Equity category of Tata Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in Tata Small Cap Fund via lump sum is ₹5,000 and via SIP is ₹100.
| Min Investment Amt | ₹5,000 |
|---|---|
| AUM | ₹9,319Cr |
| 1Y Returns | 44.2% |
Fund Performance: The Motilal Oswal Large and Midcap Fund has given 27.32% annualized returns in the past three years and 28.24% in the last 5 years. The Motilal Oswal Large and Midcap Fund comes under the Equity category of Motilal Oswal Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in Motilal Oswal Large and Midcap Fund via lump sum is ₹500 and via SIP is ₹500.
| Min Investment Amt | ₹500 |
|---|---|
| AUM | ₹6,500Cr |
| 1Y Returns | 58.3% |
Fund Performance: The Quant Mid Cap Fund has given 27.28% annualized returns in the past three years and 35.87% in the last 5 years. The Quant Mid Cap Fund comes under the Equity category of Quant Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in Quant Mid Cap Fund via lump sum is ₹5,000 and via SIP is ₹1,000.
| Min Investment Amt | ₹5,000 |
|---|---|
| AUM | ₹9,500Cr |
| 1Y Returns | 41.0% |
Fund Performance: The Quant Small Cap Fund has given 27.26% annualized returns in the past three years and 47.56% in the last 5 years. The Quant Small Cap Fund comes under the Equity category of Quant Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in Quant Small Cap Fund via lump sum is ₹5,000 and via SIP is ₹1,000.
| Min Investment Amt | ₹5,000 |
|---|---|
| AUM | ₹26,644Cr |
| 1Y Returns | 44.9% |
Fund Performance: The JM Flexicap Fund has given 26.65% annualized returns in the past three years and 25.8% in the last 5 years. The JM Flexicap Fund comes under the Equity category of JM Financial Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in JM Flexicap Fund via lump sum is ₹1,000 and via SIP is ₹100.
| Min Investment Amt | ₹1,000 |
|---|---|
| AUM | ₹4,531Cr |
| 1Y Returns | 50.8% |
Fund Performance: The SBI Contra Fund has given 26.09% annualized returns in the past three years and 32.21% in the last 5 years. The SBI Contra Fund comes under the Equity category of SBI Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in SBI Contra Fund via lump sum is ₹5,000 and via SIP is ₹500.
| Min Investment Amt | ₹5,000 |
|---|---|
| AUM | ₹41,326Cr |
| 1Y Returns | 41.7% |
Fund Performance: The ICICI Prudential Retirement Fund has given 25.29% annualized returns in the past three years and 26.29% in the last 5 years. The ICICI Prudential Retirement Fund comes under the Equity category of ICICI Prudential Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in ICICI Prudential Retirement Fund via lump sum is ₹5,000 and via SIP is ₹100.
| Min Investment Amt | ₹5,000 |
|---|---|
| AUM | ₹1,035Cr |
| 1Y Returns | 47.3% |
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