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Best Long-Term Mutual Funds to Invest in India for 2026

It takes patience, time, and a realistic plan to grow your money. Mutual funds can help with that. They provide an easy and efficient way for investors to contribute to the growth of the economy over the long run. Selecting the right mutual funds can have a significant impact on your long-term financial security, retirement, or your child’s future.

We will discuss some of the top long-term mutual funds available in this blog and explain how to choose the ones that best fit your objectives.

Factors to Consider Before Choosing a Long-term Mutual Fund

Here are factors that to be considered before choosing a Long-Term Mutual Fund:

1. Begin by finding a clear objective

Clearly defining the purpose of your investment (retirement, education for children, accumulation of wealth over time, etc.) helps you stay focused on your blogs and reduces the chances of emotional decision-making during market fluctuations.

2. Take your time to think

If you want to make money over the long term, staying invested for at least 5–10 years is generally recommended. More time helps smooth out market ups and downs.

3. Consider Risks

Choose a fund that matches with your risk tolerance level. If you don’t like volatility, stick with large-cap or index funds. Mid- and small-cap funds may offer higher growth potential over time but come with higher volatility.

4. Know where the fund invests

Find out if the fund only invests in large, medium, or small companies, or a mix of all three or mix equities with bonds and commodities. It is more important to have a clear and consistent plan than to have multiple themes.

5. Never believe the hype; look for consistency.

Do not run after the best performer from last year. Funds that give you steady returns no matter what the market is doing are better long-term friends.

The best long-term mutual fund isn’t the one with the most bells and whistles. It’s the one that meets your needs, lets you stay invested for years without worrying about it, and is comfortable with the level of risk.

List of Best Long-term Mutual Funds to Invest In

The following are the top 10 list of Mutuals Funds for long-term investment:

S. No	Funds	Latest NAV	AUM (Cr.)	Expense Ratio	Exit Load (Period)	Sharpe Ratio
1	SBI Focused Fund	381.1	42,773	1.53%	0.25 (30D)	1.08
2	ICICI Prudential Focused Equity Fund	97.86	14,146	1.70%	1.00 (365D)	1.27
3	ICICI Prudential Large & Mid Cap Fund	1,052.58	26,939	1.63%	1.00 (30D)	1.21
4	Kotak Focused Fund	27.03	3,942	1.88%	1.00 (365D)	0.89
5	HDFC Flexi Cap Fund	2,072.35	94,069	1.35%	1.00 (365D)	1.36
6	ICICI Prudential Large Cap Fund	115.51	78,160	1.40%	1.00 (365D)	1.04
7	Aditya Birla Sun Life Flexi Cap Fund	1,893.33	24,815	1.65%	1.00 (90D)	0.93
8	ICICI Prudential Midcap Fund	315.28	7,055	1.85%	1.00 (365D)	1.00
9	HDFC Focused Fund	238.74	26,230	1.61%	1.00 (365D)	1.41
10	Tata Flexi Cap Fund	24.98	3,670	1.89%	0.50 (30D)	0.90

(Data as of 1st January, 2026)

Best Long-Term Mutual Funds – An Overview

1. SBI Focused Fund

The fund follows a concentrated investment approach and holds a limited number of high-conviction stocks. Minimum investment in this fund is INR 5,000. Minimum SIP amount is INR 500. The fund was launched on 11 October, 2004. Some of the top holdings of the fund include HDFC Bank, SBI, Muthoot Finance, Bajaj Finserv etc.

1-Year Return	3-Year Return (CAGR)	5-Year Return (CAGR)	No. of Stocks	Benchmark
14.20%	18.48%	16.78%	33	S&P BSE 500

2. ICICI Prudential Focused Equity Fund

The idea of this fund is to back businesses with strong fundamentals. It is best suited for long-term investors. Minimum investment amount is INR 5,000. Minimum SIP Amount is 100. The launch date of the fund was 28th May 2009. Some of the top holdings of the fund include Infosys, ICICI Bank, HDFC Bank Axis Bank. etc.

1-Year Return	3-Year Return (CAGR)	5-Year Return (CAGR)	No. of Stocks	Benchmark
15.15%	23.51%	22.07%	41	S&P BSE 500

3. ICICI Prudential Large & Mid Cap Fund

The fund has an objective to balance stability and growth by investing in both large and mid-sized companies. Large-cap stocks provide relative stability while mid-caps offer higher growth potential. Minimum Investment amount is INR 5,000, and min SIP amount is INR 100. The fund was launched on 9 July 1998. Some of the top holdings include Axis Bank, SBI Cards, Nykaa, ICICI Bank, etc.

1-Year Return	3-Year Return (CAGR)	5-Year Return (CAGR)	No. of Stocks	Benchmark
12.63%	21.47%	23.17%	108	S&P BSE 500

4. Kotak Focused Fund

Kotak Focused Fund uses bottom-up stock selection to invest in a small portfolio of top companies. Those with solid balance sheets, competent management, and long-term earnings growth are preferred by the fund. The minimum investment amount is INR 100, and the minimum SIP amount is also INR 100. The fund was launched on 16 July 2019. Some of the top holdings include ICICI Bank, HDFC Bank, Bharti Airtel, Zomato (Eternal Ltd.), etc.

1-Year Return	3-Year Return (CAGR)	5-Year Return (CAGR)	No. of Stocks	Benchmark
12.45%	17.76%	17.27%	30	S&P BSE 500

5. HDFC Flexi Cap Fund

Depending on market conditions, the HDFC Flexi Cap Fund invests in large-cap, mid-cap, and small-cap stocks to provide flexibility. In addition to capturing opportunities across segments, its diversified allocation helps in risk management. The minimum investment amount is INR 100, and the minimum SIP amount is also INR 100. The fund was launched on 1 January 1995. Some of the top holdings include ICICI Bank, HDFC Bank, Axis Bank, and SBI, among others.

1-Year Return	3-Year Return (CAGR)	5-Year Return (CAGR)	No. of Stocks	Benchmark
10.55%	21.70%	23.76%	57	S&P BSE 500

6. ICICI Prudential Large Cap Fund

This fund mostly invests in large-cap companies that are well-known and prominent in their respective sectors. Compared to mid-cap and small-cap funds, this one is less volatile. The minimum investment amount is INR 100, and the minimum SIP amount is also INR 100. The fund was launched on 23 May 2008. Some of the top holdings include ICICI Bank, HDFC Bank, Reliance, Larsen & Toubro, and Airtel, among others.

1-Year Return	3-Year Return (CAGR)	5-Year Return (CAGR)	No. of Stocks	Benchmark
10.16%	18.51%	18.18%	88	S&P BSE 500

7. Aditya Birla Sun Life Flexi Cap Fund

Aditya Birla The Sun Life Flexi Cap Fund invests in a wide range of market capitalizations with a flexible investment approach. The fund focuses on companies that are fundamentally strong and uses both growth and value styles. The minimum investment amount is INR 100, and the minimum SIP amount is also INR 100. The fund was launched on 27 August 1998. Some of the top holdings include ICICI Bank, HDFC Bank, Infosys, Kotak Mahindra, etc.

1-Year Return	3-Year Return (CAGR)	5-Year Return (CAGR)	No. of Stocks	Benchmark
9.90	18.43%	16.49%	78	S&P BSE 500

8. ICICI Prudential Midcap Fund

The ICICI Prudential Midcap Fund invests in mid-sized companies. The fund may be volatile in the short term, but it can give you higher returns over the long term. It is good for investors who are willing to take more risk and are willing to wait a long time for their money to grow. The minimum investment amount is INR 5,000, and the minimum SIP amount is also INR 100. The fund was launched on 28 October 2004. Some of the top holdings include Muthoot Finance, BSE, Jindal Steel, UPL, MCX, etc.

1-Year Return	3-Year Return (CAGR)	5-Year Return (CAGR)	No. of Stocks	Benchmark
10.86%	23.41%	22.71%	90	S&P BSE 500

9. HDFC Focused Fund

HDFC Focused Fund has a small number of high-quality stocks in its portfolio, added after extensive research. The fund’s primary objectives are to see long-term profits and sustainable companies. Since it is concentrated, performance may change in the short term. The minimum investment amount is INR 100, and the minimum SIP amount is also INR 100. The fund was launched on 17 September 2004. Some of the top holdings include ICICI Bank, HDFC Bank, Axis Bank, and SBI, among others.

1-Year Return	3-Year Return (CAGR)	5-Year Return (CAGR)	No. of Stocks	Benchmark
10.38%	21.48%	24..31%	33	S&P BSE 500

10. Tata Flexi Cap Fund

The Tata Flexi Cap Fund can invest in large-cap, mid-cap, and small-cap stocks without limitations on how much to invest in each. This lets the manager take advantage of market opportunities. The flexible strategy aims for long-term capital growth while reducing risk by diversifying investments across different assets.

The minimum investment amount is INR 5,000, and the minimum SIP amount is also INR 100. The fund was launched on 6 September 2018. Some of the top holdings include ICICI Bank, HDFC Bank, Reliance, L&T, Axis Bank, etc.

1-Year Return	3-Year Return (CAGR)	5-Year Return (CAGR)	No. of Stocks	Benchmark
9.23%	16.94%	14.28%	60	S&P BSE 500

Risks Involved in investing in Long-Term Mutual Funds

The risks related to investing in Long-term Mutual Funds are as follows:

Returns are not guaranteed – Unlike fixed deposits, mutual funds do not give fixed returns. Performance can vary from year to year.
Higher volatility in mid and small-cap funds – These funds can offer strong long-term returns but may see sharper ups and downs in the short run.
Changes in fund management – A change in fund manager or strategy can impact how the fund performs for some time.
Temporary underperformance – Even good funds may underperform the market or peers during certain phases. This is a normal part of long-term investing.
Emotional decisions by investors – Panic selling during market corrections or frequent switching between funds often hurts returns more than market volatility.

Conclusion

Long-term investing is not about chasing temporary profits or trying to outsmart the markets. It is about being steady, managing your emotions, and being patient with your investments so they have time to grow. If you choose the appropriate mutual funds for your financial goals, wealth creation is certain. Develop a strong financial plan, stay disciplined with your investments, and let the magic of compounding work for you.

For a Seamless investing experience, start your journey with Pocketful now!

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Frequently Asked Questions (FAQs)

Are long-term mutual funds safe?
They carry market risk, but staying invested for long periods helps in reducing volatility and improving returns.
Is SIP better than a lump sum?
SIP is better for investors since it gives them the benefit of rupee cost averaging.
How many mutual funds should I hold for the long term?
For more investors, a few well-chosen funds are enough to stay diversified.
Can I stop my SIP during a market fall?
It is usually suggested to continue your SIPs during market corrections.
What if a fund underperforms for a few years?
Temporary underperformance is normal. Exit only if there is a clear issue with a fund’s strategy or management. It is suggested to consult your financial advisor before making an investment decision.

January 12, 2026

Best SIP Mutual Funds in India

For most people, investing does not start with big amounts or perfect timing. It starts with small, regular steps, and that is where SIPs kick in. With a Systematic Investment Plan, you can invest regularly, no matter what the market goes through, and then gradually build up your wealth over time.

There are so many mutual funds to choose from these days that it can be hard to know which SIP is right for you. Large cap, mid cap, small cap, sectoral, flexi cap, each serves a different purpose.

In this blog, we will break down some of the best SIP mutual funds and explain how to choose the right one based on your goals, risk appetite, and investment horizon.

How to Choose the Best SIP Mutual Funds

Choosing the right SIP mutual fund doesn’t have to be complicated. It is not about chasing the highest returns or picking the most commonly discussed fund. Instead, it is about finding a fund that meets your needs, your time frame, and how prepared you are to face ups and downs.

We have mentioned below some points that an investor can consider before starting their SIP.

1. Be Specific About Why You are Investing- Before picking any fund, ask yourself one basic question: What am I investing for?

It could be for long-term wealth, retirement, your child’s education, or even just building a financial cushion. Choosing the right fund is much easier once you know what you want to do.

2. Consider how long you can keep your money invested- Time is one of the biggest advantages in SIP investing. If you’re investing for the long term, temporary market swings won’t matter much. The more time you have to handle volatility, the better it is.

3. Be Truthful About How Comfortable You Are with Risk- Some people are comfortable seeing their investments fluctuate. Others get stressed the moment markets fall. There is no right or wrong here. What matters is choosing a fund that lets you stay invested without panic.

4. Look for Consistency, Not Just Big Returns- Instead of looking at how a fund did last year, look at how it has done over the years. A good SIP fund should do well in all kinds of market conditions. Consistency over time is far more valuable than occasional spikes in returns.

5. Understand How the Fund Is Managed- There is a certain style that each fund follows. Some focus on stable companies, some chase growth, and others look for undervalued opportunities. The stability of a fund manager in decision-making often leads to better long-term results.

6. Keep an Eye on Costs, But Do not Obsess- Expense ratio is important because it affects how much money you make over time. Lower costs are usually better, but they shouldn’t be the only thing you think about. If a fund has consistently done well, it may still be worth it to pay a little more.

7. Check What the Fund Actually Invests In- Take a quick look at the fund’s top holdings and sector exposure. A well-diversified portfolio lowers risk and keeps you from relying too much on one stock or sector.

List of Top 10 SIP Mutual Funds

S. No	Fund Name	Category	Launch Date	Min SIP	AUM (₹ Cr)	NAV (₹)	3 Yr SIP Ret (%)	5 Yr SIP Ret (%)
1	ICICI Prudential Infrastructure Fund	Equity – Infrastructure	31 Aug 2005	₹100	8,160	194.78	17.88	24.36
2	Motilal Oswal Midcap Fund	Equity – Mid Cap	24 Feb 2014	₹500	38,003	100.4	18.85	23.66
3	Bandhan Small Cap Fund	Equity – Small Cap	25 Feb 2020	₹100	18,174	46.23	22.72	23.24
4	HDFC Mid Cap Fund	Equity – Mid Cap	25 Jun 2007	₹100	92,169	202.33	20.68	22.94
5	Franklin Build India Fund	Equity -Thematic (Infra)	4 Sep 2009	₹500	3,068	141.45	17.89	22.35
6	ICICI Prudential Value Fund	Equity – Value Oriented	16 Aug 2004	₹100	60,391	498.08	19.16	20.57
7	Nippon India Growth Mid Cap Fund	Equity – Mid Cap	8 Oct 1995	₹100	40,042	700.71	19.41	21.48
8	HDFC Focused Fund	Equity – Flexi Cap	17 Sep 2004	₹100	26,230	238.45	18.98	21.26
9	Motilal Oswal Large & Mid Cap Fund	Equity – Flexi Cap	17 Oct 2019	₹100	15,146	33.34	19.95	21.13
10	HDFC Flexi Cap Fund	Equity – Flexi Cap	1 Jan 1995	₹100	94,069	2,073.28	19.49	21.06

(Data as of 02th Janurary, 2026)

1. ICICI Prudential Infrastructure Fund

ICICI Prudential Mutual Fund is a well-known name in India’s mutual fund industry. It began in 1993 and is backed by ICICI Bank and Prudential Plc, a UK-based company. The fund house has built a strong reputation for investing driven by research. It has a diverse range of funds across various categories. Exit Load is 1% for redemption within 15 days. Return since launch is 15.75%. The Fund Manager is Ihab Dalwani.

2. Motilal Oswal Midcap Fund

Motilal Oswal Financial Services started Motilal Oswal Mutual Fund in 2008 and is based in Mumbai. It manages an array of different mutual fund schemes and tries to add value through extensive research and active fund management. Exit Load is 1% for redemption within 365 days. Return since launch is 21.58%. The Fund Manager is Niket Shah.

3. Bandhan Small Cap Fund

Bandhan Mutual Fund is one of India’s oldest fund houses and has been managing funds since 2000. Bandhan Financial Holdings bought it and changed its name from IDFC Mutual Fund to Bandhan Financial Holdings. Today, it offers a wide range of equity, debt, and hybrid funds. Exit Load is 1% for redemption within 365 days. Return since launch is 30.21%. Fund Managers of the fund are Kirthi Jain & Manish Gunwani.

4. HDFC Mid Cap Fund

Founded in 1999, HDFC Mutual Fund is one of the oldest and most well-known AMCs in India. It is part of the prominent HDFC Group. It offers different mutual fund schemes in multiple categories. Exit Load is 1% for redemption within 365 days. Return since launch is 17.67%. The fund manager is Chirag Setalvad.

5. Franklin Build India Fund

As a part of the international investment company Franklin Templeton, Franklin Templeton Mutual Fund has been operating in India for many years. It has long offered a variety of debt, equity, and hybrid funds and is renowned for its long-term, research-driven investment philosophy. Exit Load is 1% for redemption within 365 days. Return since launch is 17.67%. The Fund Manager is Ajay Argal.

6. ICICI Prudential Value Fund

This fund follows a value investing philosophy, focusing on stocks that are undervalued when compared to their intrinsic value. Exit Load is 1% for redemption within 365 days. Return since launch is 20.10%. The Fund Manager is Dharmesh Kakkad.

7. Nippon India Growth Mid Cap Fund

Nippon India Mutual Fund was founded in 1995 and is among India’s largest and fastest-growing AMCs. It manages a variety of equity, debt, hybrid, and index funds and is backed by Nippon Life Insurance of Japan. Exit Load is 1% for redemption within 30 days. Return since launch is 22.15%

8. HDFC Focused Fund

A fund that follows a focused investing approach and concentrates its portfolio on a select number of companies. Exit Load is 1% for redemption within 365 days. Return since launch is 16.10%. The Fund Manager is Gopal Agarwal. The fund is generally chosen by investors who believe in quality over quantity.

9. Motilal Oswal Large & Mid Cap Fund

This fund is offered by Motilal Oswal Mutual Fund, a Mumbai-based AMC known for its strong research capabilities. The fund invests in both large-cap and mid-cap stocks, blending stability with growth potential. Exit Load is 1% for redemption within 365 days. Return since launch is 21.60%. The Fund Manager is Ajay Khandelwal.

10. HDFC Flexi Cap Fund

The fund has been in existence for over 30 years. The approach is to balance risk and reward.

Exit Load is 1% for redemption within 365 days. Return since launch is 18.80%. The fund manager is Chirag Setalvad.

Start your investing journey with Pocketful for seamless, easy, and smarter investing—track, analyze, and invest with confidence, all in one simple platform.

Conclusion

There isn’t a “best” SIP mutual fund that works for everyone. The right fund is one that fits your financial goals, your risk tolerance, and lets you stay invested calmly through market ups and downs. SIP investing is less about guessing what will happen in the markets and more about being disciplined and patient if you pick the right mix of funds and give your investments enough time.

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Frequently Asked Questions (FAQs)

What is SIP in Mutual Funds?
An SIP lets you invest a fixed amount regularly in a mutual fund instead of investing a lump sum at once.
Are SIPs safe investments?
SIPs are market-linked, so returns are not guaranteed, but they help reduce risk through disciplined investing over time.
Can I stop or pause my SIP anytime?
Yes, SIPs are flexible and can be paused, modified, or stopped anytime.
Do SIPs give guaranteed returns?
No, SIP returns depend on market performance, but long-term investing improves return potential.
How many SIPs should I have at one time?
It is better to have a few well-chosen SIPs aligned with your goals rather than too many overlapping funds.

January 12, 2026

What is Auction Market?

While trading in the share market, you must have seen that the price changes are quite frequent. But what you might not have realised is that this is the result of an ongoing auction. Yes, this is the auction market. It is a situation where the buyers and sellers continuously compete to get the right deal for them.

To understand price movements better, it helps to know what is auction trading and why this mechanism is central to how stocks are bought and sold every day.

What Is an Auction Market?

An auction market is a market where prices are discovered through trading rather than fixed in advance. This is done through continuous interaction between buyers and sellers. Participants in the market place bid and offer. The seller chooses to sell when a bid matches their acceptable price. When these prices match, a trade takes place. There is no preset transaction price. The market itself decides the price.

This is where auction market theory becomes important. It explains how prices move as new orders enter the market. According to the theory, prices tend rise when buying pressure is stronger and fall when selling pressure dominates. In the share market, this process helps traders understand price behaviour, liquidity, and why stocks move the way they do during the trading day.

How an Auction Market Functions

An auction market works as a continuous process where prices are shaped by active participation from buyers and sellers. Instead of fixed prices, the market keeps adjusting as new orders enter. This is the foundation of auction market theory, which explains how prices are discovered in real time.

1. Market as an Ongoing Auction

This is true for most trades in the share market. Buyers and sellers constantly negotiate. It is done using bids and offers. Prices move until both sides agree, making the market dynamic throughout the day.

2. Price Discovery and Fair Value

The goal of auction trading is to discover a fair price. This is the price level where the highest number of trades occur. The demand and supply tend to balance at this level. Also, the price often stabilized temporarily around this level.

3. Buyer and Seller Imbalance

Prices change when there is an imbalance. When the buyers are more, the price tends to rise. But when the sellers are more, the price tends to fall. The changes in price is caused by news, policy, and so on.

The Point of Control represents the price where maximum trading volume happens. It shows where the market accepted price levels for a longer time and signals a balance.

5. Role of Price and Spot Price

Price reflects the level at which buyers and sellers agree to transact. The spot price is the current market price at which an asset can be bought or sold instantly. It keeps updating as orders change.

6. Bid and Ask Price Dynamics

The bid price shows what buyers are willing to pay. The ask price shows what sellers want. The gap between them indicates liquidity. A narrow spread signals active trading.

7. Volume and Time Interaction

Volume confirms the strength of the price movement. Time shows how long the price stays at a level. Together, they help traders understand balance and imbalance phases in auction trading.

Read Also: What is MIS in Share Market?

Key Stakeholders in Auction Trading

Auction trading functions smoothly because different participants play specific roles in the market. Each stakeholder influences how prices are formed and how trades are executed.

1. Buyers

Buyers place bids based on the price they are willing to pay. Their demand creates upward pressure on prices. Strong buying interest often signals confidence in the asset.

2. Sellers

Sellers place ask orders at prices they want to receive. Increased selling adds downward pressure on prices. Their actions reflect profit booking or risk concerns.

3. Stock Exchange

The exchange provides the platform for auction market activity. It matches orders in a transparent manner. It also ensures fair execution using price-time priority rules.

4. Brokers and Trading Platforms

Brokers connect market participants to the exchange. They route orders and provide market data. This enables smooth participation in auction trading.

5. Market Makers and Liquidity Providers

These participants help maintain liquidity. They do this by continuously quoting bid and ask prices. They reduce spreads and support stable trading. This is important during volatile periods.

6. Regulators

Regulators oversee the auction market to ensure fair practices. They protect investors, monitor manipulation, and maintain trust in the trading system.

Assume a stock opens near ₹200. Some investors feel the price is low and start placing buy orders at ₹198 and ₹199. At the same time, existing holders believe the stock deserves a higher value. In such a case, they place sell orders at ₹201 and ₹202.

At this stage, no trade happens. This is because buyers and sellers do not agree on price. Now, say more buyers enter. Then one buyer raises the bid to ₹201. A seller accepts this price, and the trade is executed. This price becomes the new spot price.

If buying interest continues, prices move higher. If sellers dominate later, prices fall. This ongoing adjustment is auction trading, where prices are discovered through demand and supply, as described by auction market theory.

Auction Market vs. Order-Driven Market

At first glance, an auction market and an order-driven market may seem different, but in practice, they are closely linked. Still, there are some clear structural differences worth understanding, especially for traders.

Basis of Comparison	Auction Market	Order-Driven Market
Meaning	A market where prices are discovered through continuous bidding between buyers and sellers.	A market where trades are executed by matching buy and sell orders through an electronic order book.
Price Formation	Prices change based on demand and supply imbalance, following auction market theory.	Prices are formed through automatic order matching using price and time priority.
Trading Mechanism	Focuses on auction trading, where participants negotiate value through bids and offers.	Focuses on order execution, where the system matches existing orders.
Role of Participants	Buyers and sellers actively influence price movement by adjusting bids and asks.	Participants place orders, but the system decides execution without negotiation.
Market Transparency	High transparency as bids and offers reflect real-time market interest.	High transparency through visible order book and execution rules.
Liquidity Source	Liquidity comes from active participation of buyers and sellers.	Liquidity depends on the number and depth of orders in the order book.
Use in Share Market	Explains how prices move and settle during trading hours.	Explains how trades are processed on the exchange platform.

Conclusion

An auction market explains how prices are discovered. In other words, it says that constant interaction between buyers and sellers is a must in the market. When combined with an order-driven system, it creates a fair and transparent trading environment. Understanding this structure helps you read price movements better and trade with clarity.

For more such simplified market concepts and trading insights, explore learning resources and tools on Pocketful to make informed investment decisions.

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Frequently Asked Questions (FAQs)

What is an auction market in simple terms?
It is a market where prices are decided through bidding. This is attained by the match of the buyers and sellers, not fixed in advance.
What is auction trading in the share market?
Auction trading is the process where buy and sell orders compete to discover the market price.
Is the Indian stock market an auction market?
Yes, Indian exchanges follow auction market principles. They do this by using an order-driven trading system.
What is auction market theory used for?
It helps traders understand price discovery. This helps bring in clarity on the balance and the imbalance in the market.
How is liquidity shown in auction trading?
Liquidity is reflected through bid-ask spread and trading volume.

January 11, 2026

Best Gilt Mutual Funds in India: Returns, Risks & Top Picks

In 2026, India’s bond and interest rate environment has become crucial for investors. Fluctuations in interest rates are being observed due to efforts to control inflation and the policies of the Reserve Bank of India (RBI). In such a scenario, many investors are turning to government-backed mutual funds, where credit risk is virtually non-existent. Gilt mutual funds are considered useful for investors who seek stable returns with a safe option and want to maintain a balanced portfolio. This article will help you understand gilt fund returns, the risks associated with them, and suitable gilt funds for 2026.

What Are Gilt Mutual Funds?

Gilt mutual funds are included in the debt mutual fund categories defined by SEBI (Securities and Exchange Board of India). The primary objective of these funds is to invest investors’ money in government bonds to minimize credit risk.

Best Gilt Mutual Funds to invest in India

SBI Gilt Fund
ICICI Prudential Gilt Fund
HDFC Gilt Fund
Nippon India Gilt Fund
Baroda BNP Paribas Gilt Fund
Tata Gilt Securities Fund
Axis Gilt Fund
UTI Gilt Fund
Quant Gilt Fund
PGIM India Gilt Fund

Best Gilt Mutual Funds – An Overview

1. SBI Gilt Fund

The SBI Gilt Fund is managed by SBI Mutual Fund, which was established on February 7, 1992. This fund invests exclusively in government bonds and exhibits stability due to its large size. The portfolio has a significant allocation to government securities maturing between 2032 and 2055, such as bonds maturing in 2040 and 2035, giving it long-duration exposure. The fund is managed by Sudhir Agarwal.

Fund Details :

Details	Information
Current NAV	70.07
Fund Size	11,033.35
Expense Ratio	0.95%
Minimum Investment	₹5,000
Minimum SIP	₹500
Exit Load	Nil
Lock-in Period	Not Applicable
Fund Manager	Sudhir Agarwal

Fund Performance

Metric	Value
3-year return	7.33
5-year return	6.09
Alpha	-0.07%
Beta	1.05
Sharpe Ratio	0.05
Risk	6.83%

2. ICICI Prudential Gilt Fund

ICICI Prudential Gilt Fund is a pure government bond-based mutual fund managed by ICICI Prudential AMC, which was launched in 1993. This fund invests its money exclusively in bonds issued by the central and state governments, thus eliminating the risk of credit default. Its portfolio includes long-term G-Secs maturing between 2055 and 2065, along with some State Development Loans, which allows the fund to perform well during periods of falling interest rates.

Fund Details :

Details	Information
Current NAV	112.83
Fund Size	92,15.50
Expense Ratio	1.10%
Minimum Investment	₹5,000
Minimum SIP	₹1,000
Exit Load	Nil
Lock-in Period	Not Applicable
Fund Manager	Manish Banthia

Fund Performance

Metric	Value
3-year return	8.21
5-year return	6.69
Category Average (3Y)	6.34%
Alpha	0.02%
Beta	0.62
Sharpe Ratio	0.16
Risk	7.65%

3. HDFC Gilt Fund

The HDFC Gilt Fund is managed by HDFC Mutual Fund and was launched on December 10, 1999. This fund invests exclusively in bonds issued by the central government and has been active in the gilt segment for a long time. Its portfolio includes government bonds maturing between 2031 and 2065, making it suitable for medium- to long-term investors. Fund manager Anil Bamboli manages the duration of the portfolio keeping the prevailing interest rate environment in mind.

Fund Details :

Details	Information
Current NAV	58.57
Fund Size	2,938.91
Expense Ratio	0.89%
Minimum Investment	₹100
Minimum SIP	₹100
Exit Load	Nil
Lock-in Period	Not Applicable
Fund Manager	Anil Bamboli

Fund Performance

Metric	Value
3-year return	7.22
5-year return	5.35
Alpha	-0.07%
Beta	0.91
Sharpe Ratio	0.04
Risk	6.77%

4 . Nippon India Gilt Fund

The Nippon India Gilt Fund is managed by Nippon India Mutual Fund, which was established on February 24, 1995. This fund invests exclusively in bonds issued by the central and state governments. The portfolio has a significant allocation to long-term G-Secs maturing between 2039 and 2064, along with some State Development Loans (SDLs) and net current assets to maintain liquidity. The fund is managed by Pranay Sinha, who focuses on balancing duration and risk.

Fund Details :

Details	Information
Current NAV	42.92
Fund Size	1,862.21
Expense Ratio	1.28%
Minimum Investment	₹5,000
Minimum SIP	₹100
Exit Load	0.25% up to 7 days; Nil thereafter
Lock-in Period	Not Applicable
Fund Manager	Pranay Sinha

Fund Performance

Metric	Value
3-year return	7.04
5-year return	5.44
Alpha	-0.13%
Beta	1.09
Sharpe Ratio	-0.01
Risk	6.20%

5. Baroda BNP Paribas Gilt Fund

The Baroda BNP Paribas Gilt Fund is managed by Baroda BNP Paribas Mutual Fund and was launched on November 4, 2003. This fund invests exclusively in government bonds and its portfolio has a significant allocation to G-Secs maturing between 2035 and 2065. The fund focuses on stable duration management to mitigate the impact of interest rate fluctuations. It is managed by Gurvinder Singh Vasan.

Fund Details :

Details	Information
Current NAV	46.96
Fund Size	1,326.61
Expense Ratio	0.45%
Minimum Investment	₹5,000
Minimum SIP	₹500
Exit Load	Nil
Lock-in Period	Not Applicable
Fund Manager	Gurvinder Singh Wasan

Fund Performance

Metric	Value
3-year return	7.58
5-year return	5.55
Alpha	-0.04%
Beta	1.02
Sharpe Ratio	0.10
Risk	7.23%

6. Tata Gilt Securities Fund

The Tata Gilt Securities Fund is managed by Tata Mutual Fund and was launched on March 15, 1994. This fund focuses entirely on government bonds and invests in bonds issued by the central government as well as some state governments. The portfolio includes long-term G-Secs maturing between 2033 and 2074, making the fund sensitive to changes in interest rates. Additionally, liquidity is maintained through holdings in Repo Instruments. The fund is managed by Akhil Mittal.

Fund Details :

Details	Information
Current NAV	87.57
Fund Size	1,288.11
Expense Ratio	1.37%
Minimum Investment	₹5,000
Minimum SIP	₹150
Exit Load	Nil
Lock-in Period	Not Applicable
Fund Manager	Akhil Mittal

Fund Performance

Metric	Value
3-year return	7.62
5-year return	5.59
Alpha	-0.12%
Beta	1.12
Sharpe Ratio	0.01
Risk	6.53%

7. Axis Gilt Fund

The Axis Gilt Fund is managed by Axis Mutual Fund and was launched on January 13, 2009. This fund invests exclusively in central government bonds, thus eliminating credit risk. Its portfolio has a significant allocation to long-term government bonds maturing between 2034 and 2065, making the fund sensitive to interest rate fluctuations. The fund is managed by Devang Shah, who focuses on maintaining a balanced duration in the portfolio.

Fund Details :

Details	Information
Current NAV	27.38
Fund Size	599.23
Expense Ratio	0.82%
Minimum Investment	₹5,000
Minimum SIP	₹1,000
Exit Load	Nil
Lock-in Period	Not Applicable
Fund Manager	Devang Shah

Fund Performance

Metric	Value
3-year return	7.62
5-year return	5.82
Alpha	-0.08%
Beta	0.96
Sharpe Ratio	0.07
Risk	7.17%

7. UTI Gilt Fund

The UTI Gilt Fund is managed by UTI Mutual Fund and was established on November 14, 2002. This fund is entirely focused on government bonds and holds a significant portion of G-Secs (Government Securities) maturing between 2031 and 2053 in its portfolio. A portion of the fund is also invested in State Development Loans and net current assets to maintain liquidity. The fund is managed by Pankaj Pathak, who focuses on stable duration and risk control.

Fund Details :

Details	Information
Current NAV	65.58
Fund Size	560.78
Expense Ratio	0.93%
Minimum Investment	₹500
Minimum SIP	₹500
Exit Load	Nil
Lock-in Period	Not Applicable
Fund Manager	Pankaj Pathak

Fund Performance

Metric	Value
3-year return	7.06
5-year return	5.44
Alpha	-0.07%
Beta	0.96
Sharpe Ratio	0.05
Risk	6.78%

8. Quant Gilt Fund

The Quant Gilt Fund is managed by Quant Mutual Fund, which was established on December 1, 1995. This fund invests exclusively in government bonds and some State Development Loans (SDLs). Its portfolio is spread across government bonds maturing between 2030 and 2064, while also maintaining liquidity and diversification through TREPS and SDLs. The fund is managed by Sanjeev Sharma, who actively manages the duration based on the changing interest rate environment.

Fund Details :

Details	Information
Current NAV	12.17
Fund Size	111.73
Expense Ratio	1.41%
Minimum Investment	₹5,000
Minimum SIP	₹1,000
Exit Load	Nil
Lock-in Period	Not Applicable
Fund Manager	Sanjeev Sharma

Fund Performance

Metric	Value
3-year return	6.73
5-year return	–
Alpha	-0.15%
Beta	1.06
Sharpe Ratio	-0.09
Risk	5.76%

10. PGIM India Gilt Fund

The PGIM India Gilt Fund is managed by PGIM India Mutual Fund, which was established on September 24, 2008. This fund invests exclusively in government bonds, and its portfolio has a significant allocation to G-Secs maturing between 2034 and 2055. Liquidity is maintained by holding a portion of the assets in net current assets. The fund is managed by Puneet Pal, whose focus is on duration control and risk management.

Fund Details :

Details	Information
Current NAV	32.64
Fund Size	105.01
Expense Ratio	1.38%
Minimum Investment	₹5,000
Minimum SIP	₹1,000
Exit Load	Nil
Lock-in Period	Not Applicable
Fund Manager	Gurvinder Singh Wasan

Fund Details :

Metric	Value
3-year return	7.28
5-year return	5.79
Alpha	-0.12%
Beta	1.01
Sharpe Ratio	-0.01
Risk	6.23%

Risks Associated With Gilt Mutual Funds

Impact of Interest Rate Changes : Gilt funds are directly linked to government bonds, so changes in interest rates affect their Net Asset Value (NAV). When interest rates rise, the value of existing bonds decreases, and the fund’s value may fall.
Short-Term Return Risk : If you invest in gilt funds for a very short period, the returns can be uncertain, especially if the direction of interest rates changes suddenly.
Market Liquidity Conditions : Government bonds are generally easy to buy and sell, but liquidity can decrease somewhat during periods of market stress.
Inflation-Related Risk : If the returns from a gilt fund are lower than the inflation rate, the investor’s real earnings are affected. This is why they are not considered entirely risk-free.

Conclusion

Gilt mutual funds can be suitable for investors seeking relatively safe investments through government bonds and who understand the fluctuations in interest rates. Choosing the right gilt fund requires considering the investment horizon, risk tolerance, and the prevailing interest rate environment. In the long run, these funds can help stabilize a portfolio, but investing without understanding the risks is not advisable.

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Frequently Asked Questions (FAQs)

What is a gilt mutual fund?
This is a mutual fund that invests exclusively in government-issued bonds.
Are gilt funds completely safe?
There is no credit risk, but returns can fluctuate due to changes in interest rates.
Can I lose money in gilt funds?
Yes, in the short term, especially when interest rates rise.
Who should consider investing in gilt funds?
Investors who want to invest for 3-5 years or longer.
Are gilt funds better than fixed deposits?
Fixed deposits offer a fixed return, while returns from gilt funds depend on market conditions.

January 10, 2026

Top Green Hydrogen Stocks in India

In India’s clean energy narrative, green hydrogen is gradually establishing its presence as the country attempts to decrease its dependence on foreign fuels and reduce emissions. Green hydrogen is expected to be one of the long-term practical alternatives for sectors where renewable electricity by itself will not be enough. With strong government backing, it is transitioning from a planning stage to operational activity, thus creating investment opportunities for those interested in the growth potential of India’s energy future.

In this blog, we will explore how green hydrogen is emerging as a key pillar in India’s clean energy transition and the investment opportunities it presents as government support turns long-term plans into real, on-ground progress.

What is Green Hydrogen?

Green hydrogen is a type of hydrogen fuel that is made from renewable energy sources like solar or wind power. It does not produce any carbon emissions when it is made, which is better for the environment.

The process is easy. Electricity converts water (H₂O) into hydrogen and oxygen. This process is called electrolysis . Green hydrogen comes from renewable sources of electricity. The oxygen is released into the air, and the hydrogen is stored and used as fuel later.

Why Do They Call It “Green”? The process is clean and therefore called green hydrogen. There are no fossil fuels used, and no harmful gases are released.

An Overview of the Green Hydrogen Industry in India

By 2047, India wants to be energy-independent and have net-zero emissions. To do this, we need to cut down on pollution and fossil fuel imports. Green hydrogen fits this vision perfectly because it is a clean alternative to traditional renewable energy.

India is also looking into producing hydrogen from biomass, like agricultural waste. This could help farmers and boost rural incomes at the same time.

One of the most important things about green hydrogen is that it can help clean up sectors that are hard to decarbonize. Electricity alone does not always provide industries like steel, fertilizers, chemicals, and heavy transport the fuel they need. Green hydrogen is a cleaner choice here.

India can make hydrogen from its own renewable resources, which will help the country depend less on oil and gas from other countries. This makes the energy system less likely to be affected by sudden changes in global prices.

The government has initiated the National Green Hydrogen Mission with a substantial funding of 19,744 crores, aiming for a production capacity of 5 million tonnes per annum to accelerate progress. The goal is to build large-scale production capacity, encourage involvement of private companies, and position India as a global hub for green hydrogen in the future.

List of Best Green Hydrogen Stocks Based on Market Capitalisation

S. No.	Company	CMP (In INR)	Market Capitalization (In Crores)	52-Week High (In INR)	52-Week Low (In INR)
1	RELIANCE	1,545	20,90,903	1,581	1,115
2	LARSEN & TOUBRO	4,060	5,58,685	4,140	2,965
4	NTPC	321	3,11,505	371	293
3	ONGC	233	2,92,944	274	205
6	INDIAN OIL CORPORATION	168	2,37,647	174	111
7	POWER GRID CORPORATION	261	2,42,746	329	247
5	ADANI GREEN	1,021	1,68,202	1,179	758
9	BHARAT PETROLEUM	368	1,59,917	382	234
8	GAIL INDIA	169	1,11,178	203	151
10	JSW ENERGY	475	83,002	701	419

(Data as of 19 Dec, 2025)

Overview of Top Green Hydrogen Companies

1. Reliance

As part of its clean energy plans, Reliance is making significant investments in green hydrogen. The company intends to develop everything internally, including hydrogen production, electrolyser manufacturing, and renewable energy. Reliance wants to make green hydrogen widely available and reasonably priced in the long run, not just as a test project.

1Y Return (%)	3Y Return (%)	5Y Return (%)
28.86%	25.90%	62.06%

(data as of 19 Dec, 2025)

2. Larsen & Toubro

L&T doesn’t make hydrogen directly, but it does a considerable amount of significant operations behind the scenes. The company uses its engineering and project management skills to build hydrogen plants, electrolysers, and infrastructure. L&T is a key supplier and technology partner in the green hydrogen ecosystem in India, so it will benefit as more green hydrogen projects get started.

1Y Return (%)	3Y Return (%)	5Y Return (%)
12.25%	98.11%	223.09%

(data as of 19 Dec, 2025)

3. NTPC

NTPC is gradually transitioning to green hydrogen through renewable energy-related pilot projects. It is exploring the potential applications of hydrogen in transportation, power generation, and storage. NTPC is adopting a steady and long-term approach due to its significant renewable resources and strong government support.

1Y Return (%)	3Y Return (%)	5Y Return (%)
-2.86%	98.83%	228.87%

(data as of 19 Dec, 2025)

4. Oil & Natural Gas Corporation

By exploring green hydrogen and renewable energy sources, ONGC intends to go beyond oil and gas. Reducing emissions and getting ready for a cleaner future are the goals. The change shows that even conventional energy companies are gradually adjusting to the energy transition.

1Y Return (%)	3Y Return (%)	5Y Return (%)
-1.83%	69.13%	160.41%

(data as of 19 Dec, 2025)

5. Indian Oil Corporation

Green hydrogen is primarily being considered by Indian Oil as a means of improving refinery operations. To reduce emissions, the company is installing hydrogen units that function on renewable energy. IOC may eventually rank among India’s biggest consumers of green hydrogen due to its extensive refining network.

1Y Return (%)	3Y Return (%)	5Y Return (%)
18.79%	124.21%	178.49%

(data as of 19 Dec, 2025)

6. Power Grid Corporation

Power Grid plays a more invisible but significant role in green hydrogen. Strong transmission infrastructure becomes crucial as hydrogen production and renewable energy grow. Additionally, hydrogen-based energy storage is being tested by the company.

1Y Return (%)	3Y Return (%)	5Y Return (%)
-14.86	69.43%	151.24%

(data as of 19 Dec, 2025)

7. Adani Green Energy

Adani Green’s main goal is to build a significant number of solar and wind power plants, which will help the Adani Group’s green hydrogen plans. The company is building up its renewable base first, instead of jumping right into producing hydrogen. This combined approach could be very important for making hydrogen production possible on a large scale.

1Y Return (%)	3Y Return (%)	5Y Return (%)
-1.46%	-43.64%	-2.44%

(data as of 19 Dec, 2025)

8. Bharat Petroleum Corporation

As part of its shift to clean energy, BPCL is testing green hydrogen at its refineries. These projects are still in the planning stages, but they exhibit that they want to cut down on emissions and reduce their dependence on fossil fuels.

1Y Return (%)	3Y Return (%)	5Y Return (%)
28.24%	128.08%	98.05%

(data as of 19 Dec, 2025)

9. Gail India

GAIL is primarily investigating green hydrogen from the perspective of distribution and transportation. It is investigating the safe transportation of hydrogen and testing the blending of hydrogen in gas pipelines. In the future, GAIL’s vast pipeline network may play a significant role in connecting hydrogen producers and industrial consumers.

1Y Return (%)	3Y Return (%)	5Y Return (%)
-11.22%	88.09%	118.44%

(data as of 19 Dec, 2025)

10. JSW Energy

JSW Energy is closely monitoring green hydrogen prospects and expanding its renewable portfolio. The company is investigating possible applications of hydrogen in energy storage and industrial applications. Its emphasis on clean energy and group-level demand gives it a good reason to look into this domain.

1Y Return (%)	3Y Return (%)	5Y Return (%)
-26.50%	91.41%	603.19%

(data as of 19 Dec, 2025)

Read Also: Best Hydropower Stocks in India

Key Performance Indicators

S. no	Company	ROE (in %)	ROCE (in %)	Debt-to-Equity	P/E (x)
1	RELIANCE	8.4	9.69	0.43	27.6
2	LARSEN & TOUBRO	16.6	14.5	1.32	34.9
3	NTPC	12.1	9.95	1.33	13.1
4	ONGC	10.6	12	0.48	8
5	INDIAN OIL CORPORATION	6.51	7.36	0.74	9.41
6	POWER GRID CORPORATION	17	12.8	1.37	16.1
7	ADANI GREEN	14.6	8.7	4.52	76.8
8	BHARAT PETROLEUM	17.3	16.2	0.56	7.38
9	GAIL INDIA	13.1	14	0.25	12.4
10	JSW ENERGY	7.41	6.49	2.37	41.3

Reasons to Invest in Green Hydrogen Stocks

Early-stage opportunity – Green hydrogen is still developing, which means long-term investors are getting in early rather than chasing an already successful trend.
Strong government Support – India is actively supporting green hydrogen through policies and long-term targets, giving the sector a growth direction.
Export potential in the future – As global demand grows, India could become a supplier of green hydrogen, creating new growth opportunities.
Portfolio diversification – Green hydrogen stocks offer diversification to your portfolio and exposure to a future-oriented energy theme, which is a bit different from traditional sectors.

Conclusion

India’s green hydrogen journey has just begun and will need time to develop. This investment theme is not likely to provide instant returns. Rather, it is a theme that demands patience for the results we want. However, with adequate government support and policies in place, green hydrogen should grow in both industrial consumption and through the entry of developed companies. If you believe that India will eventually transition to clean energy, investing in green hydrogen stocks represents an opportunity to participate in this transformation over the longer term.

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Frequently Asked Questions (FAQs)

Why is green hydrogen important for India?
It helps reduce carbon emissions, cut fuel imports, and support India’s clean energy goals.
Is green hydrogen a short-term investment option?
No, it is a long-term investment theme that may take years to fully develop.
Which sectors will use green hydrogen the most?
Steel, cement, fertilisers, refineries, and heavy transport are expected to use hydrogen the most.
How does green hydrogen differ from solar or wind energy?
Hydrogen can store energy and power heavy vehicle industries where direct electricity is not practical.
Can retail investors invest in green hydrogen stocks?
Yes, with long-term view and proper portfolio diversification, investors can invest.

January 10, 2026

Best Two Wheeler Insurance in India 2026

Today’s market offers a wide range of two-wheelers with varied designs, features, and performance, making it important for riders to choose a model that suits their lifestyle, safety needs, and usage patterns, ensuring better comfort, efficiency, and long-term satisfaction.

Investing in two-wheeler insurance stocks offers exposure to India’s growing vehicle ownership and rising insurance awareness, benefiting from higher policy adoption, regulatory support, and increasing demand for motor insurance protection.

In this blog, we will explore why choosing the right two-wheeler insurance matters and how two-wheeler insurance–linked stocks benefit from India’s growing mobility and insurance adoption.

Why Two-Wheeler Insurance is Mandatory

According to the 1988 Motor Vehicles Act you are not allowed to drive a vehicle without “Third Party Liability” insurance. This is because the cost of compensating other people is enormous if you cause an accident and injure them, or damage their property. The government wishes to ensure that no matter who causes such an accident, whoever was injured gets money for it anyway.

First Offense: Rs.2,000 and/or imprisonment for up to 3 months.
Second Offense: Rs.4,000 and/or imprisonment.

Top 5 Bike Insurance Companies in India

1. IFFCO Tokio Two-Wheeler Insurance

IFFCO Tokio is a popular choice, especially if you live in Tier-2 or Tier-3 cities. They are a joint venture between Indian Farmers Fertiliser Cooperative (IFFCO) and Tokio Marine Group.

The Rural Edge: In small towns they have unique “Bima Kendras” (insurance centres). If you like face-to-face service, this is something which definitely comes in handy for you.
Auto Crash Insurance: They have a claim settlement ratio (CSR) of around 95.8%. So in terms of paying out claims they’re reliable indeed.

2. HDFC ERGO Bike Insurance

If you are an app user and don’t like heavy paperwork then HDFC ERGO is likely the best fit. They are known for their digital-first approach.

AI Speed: They use Artificial Intelligence (AI) for claims. For minor damages, you can just click photos on your phone, upload them, and get approval in minutes and there is no waiting for a surveyor to visit.
The Numbers: They report a high CSR, often nearing 100% in some segments. They have a big network of 2,000+ garages specifically for two-wheelers.
Overnight Repair: In many cities, they offer a service where they pick up your bike, repair it overnight, and drop it back.

3. Tata AIG Two-Wheeler Plans

The name “Tata” is a name of trust in India. Tata AIG combines this trust with the global expertise of AIG.

Huge Network: Their network is one of the widest in India with more than 7,500 cashless garages. This is a major perk if you tend to road-trip often.
Settlement ratio: Their claim settlement ratio is at a comfortable 98%, which is very good. They are also known for being clear with their terms, no hidden conditions or charges.

4. Bajaj Allianz Bike Coverage

Bajaj Allianz is a joint venture involving Bajaj Finserv. Since Bajaj is a major bike manufacturer, they understand the two-wheeler market.

Super Fast Claims: They pioneered a feature called “Motor OTS” (On-The-Spot). For claims up to Rs.20,000 or Rs.30,000, they can approve the claim instantly via their mobile app.
Network: They have a strong network of over 4,000 garages.
Long-Term Focus: They were among the first to popularize long-term plans, protecting everyone from yearly price hikes.

5. SBI General Insurance Options

This Insurance is supported by the State Bank of India, here the insurer has a wide reach because of thousands of SBI branches across the country.

Affordability: The insurance has a good competitive price as per the market and if you are looking for a budget friendly insurance option that is also reliable then this insurance should be the choice.
Reach: It has a huge network with over 9,000 garages as per the latest official data which covers almost every corner of the country.
Trust: Being a part of the SBI family gives them a high trust factor, especially for people who already bank with SBI.

Top Two Wheeler Insurance Plans

Comprehensive Coverage Options

Key Characteristics: It covers damage to your bike and damage you cause to others (Third-Party).
Why buy it: If the bike is stolen, damaged in a fire, or ruined in a flood, this policy pays you and gives a complete peace of mind.

Third-Party Liability Plans

Key Characteristics: It only pays for damages caused to other people or their property.
Does not include: It does not include the damages of your own vehicle.
Who is it for: This is best for very old bikes (10+ years old) where the repair cost might be more than the bike’s value.

Zero Depreciation Add-On Plans

The Problem: Your claim is subject to “depreciation” with ordinary insurance. Is that if you have to replace a plastic part, they may cover only 50% because your bike is old and you can pay the rest.
The Solution: A “Zero Dep” add-on forces the insurer to pay the full cost of the part, regardless of how old your bike is and it saves you thousands during a claim but costs a little extra.

Factors To Consider While Choosing a Two-Wheeler Insurance Plan

Claim Settlement Ratio (CSR)

This is the most critical number as this number tells us the percentage of claims that the company has settled. Look for a company with a CSR consistently above 90% or 95%. A high CSR means the company is not looking for excuses to reject your claim.

Network of Cashless Garages

“Cashless” means you don’t have to pay from your pocket and wait for a refund. The insurer has to pay the garage directly. Before buying, check the insurer’s list to see if your local mechanic or service center is in their network. If you live in Bangalore and the garage is in Delhi then it won’t help you.

Premium Costs and Discounts

Sometimes a policy is cheap because they have lowered the “IDV” (Insured Declared Value). IDV is the maximum money you get if your bike is stolen. We should never lower the IDV just to save RS.100 or RS.200 on the premium. It is not worth the risk.

Coverage Types: Comprehensive vs Third-Party

Always go for Comprehensive with Zero Depreciation. You might switch to a Third-Party if the bike is very old, but Comprehensive is still safer.

Add-On Benefits and Riders

They cost extra but make the policy better. Essential if you go on long rides. They will bring a mechanic or tow truck if you break down. This covers the rider for injuries or death. It is mandatory to have at least Rs.15 Lakhs coverage.

Read Also: Best Insurance Stocks in India

How to Buy the Best Bike Insurance Online

Buying online is cheaper, faster, and transparent.

Go to an Aggregator: Websites like PolicyBazaar or Coverfox allow us to compare prices.
Add Details: The bike’s number should be added then the system will check the details automatically.
Customize: Add “Roadside Assistance” and “Zero Depreciation” after selecting “Comprehensive Plan” to customize.
Verify IDV: Make sure the bike’s market value corresponds with its displayed value.
Pay: Either use UPI or a card, you will automatically receive the policy PDF in your email instantly.

You can also sometimes save 5% on commission cost if you buy directly from the insurer’s website (like HDFC ERGO or Acko).

How to invest in Two-Wheeler Insurance Companies in India?

Investing in two-wheeler insurance companies means gaining exposure to general insurers that earn premiums from motor insurance policies. You can research, track fundamentals, and invest seamlessly through Pocketful, which simplifies stock analysis and long-term investing.

Understand the business model: Motor insurance is a core revenue driver due to mandatory coverage norms.
Track sector growth: Rising two-wheeler ownership and insurance awareness support demand.
Analyze fundamentals: Focus on premium growth, claim ratios, and profitability.
Use Pocketful: Identify opportunities, compare stocks, and invest with ease.
Think long term: Insurance businesses benefit from compounding over time.

Conclusion

The primary purpose of two-wheeler insurance is to safeguard your bike from unforeseen risks such as theft, accidents, and damage. It also provides mandatory coverage against third-party liabilities. Along with protection from fire and external losses, policyholders benefit from yearly services and flexible payment options, including digital and offline modes, making policy purchase and renewal hassle-free.

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Frequently Asked Questions (FAQs)

What is the new 120-day rule for retaining my No Claim Bonus (NCB)?
The Insurance Regulatory and Development Authority of India (IRDAI) has changed and extended the time tenure for No Claim Bonus (NCB) from 90 days to 120 days following the policy’s expiry date.
Can I insure just my bike’s damage if I buy a new one?
Yes. Since new two-wheelers mandatorily come with a 5-year Third-Party (TP) policy, you only need to purchase a Standalone Own Damage (OD) policy to cover damage repairs to the bike.
Does my policy cover me if I’m riding a friend’s bike?
No, the insurance policy is linked to the vehicle and not with the rider. If any accident occurs on a friend’s bike, your policy will not cover the damages.
What exactly is a “cashless garage”?
A cashless garage is a workshop or service center that has a direct partnership agreement with your insurance company.
Why is it a bad idea to drastically reduce my Insured Declared Value (IDV)?
Reducing the Insured Declared Value (IDV) will lower your premium though it significantly reduces the maximum amount the insurer will pay out if your bike is stolen or completely totaled.

January 9, 2026

Ashish Dhawan Portfolio : Top Holdings, Strategy & Lessons

Ashiah Dhawan is one of the most prominent players in the Indian stock market who is respected by many. Unlike most day traders that buy, then sell shares daily for short-term profit, Mr. Dhawan has a different approach. He has a long-term view and makes large investments into individual company stocks and will typically hold onto those stocks for several years. In the year 2025, his portfolio has been in the news for making some bold moves. He has bought new stocks, sold some old winners, and held onto companies that are going through big changes.

In this blog, you will get to know his investment style, top holdings, and the simple lessons that can be learnt from his portfolio.

About Ashish Dhawan

A Strong Foundation

Ashish Dhawan has always focused on excellence. He studied at Harvard and Yale Business School in the USA, the 2 best universities in the world. After his studies, he worked on Wall Street, learning how the world of global finance works.

The ChrysCapital Success

In 1999, he returned to India and cofounded a company called ChrysCapital. It was a Private Equity firm and under his leadership, ChrysCapital emerged as one of the most successful firms in India, investing in big names like Spectramind and Suzlon.

A Shift to Philanthropy

In 2012, he quit the corporate world to focus on social work. He set up the Central Square Foundation to improve school education in India and assisted with building Ashoka University. Today, he invests his own money to fund these charitable causes. This means he invests to create long-term wealth that can help society, not just to make a quick buck.

Investment Journey fo Ashish Dhawan

Most people in the stock market panic when the stock price falls. That is different from Ashish Dhawan, who comes from a background of Private Equity.

You cannot sell your shares just because the market is down when you run a firm in private equity. You are “locked in” for years which then forces you to be patient. You focus on the business, not the stock price. Even though Ashish Dhawan now buys stocks in the public market – where he can sell any time, he still acts like he is locked in.

He looks for companies undergoing some kind of “transformation.” An example could be a bank cleaning up its bad loans or a company breaking itself up into smaller parts. These changes often take 3 to 5 years. He is willing to wait while other investors get bored and leave. This patience is his “secret weapon.

Ashish Dhawan Investment Strategy

The “Barbell” Strategy

Dhawan balances his portfolio,he buys stable companies that grow slowly but surely, such as Greenlam Industries, which makes laminates for homes. He buys riskier companies that can grow very fast, such as IDFC First Bank. This balance ensures that even if one risky bet fails, the safe bets keep his portfolio steady.

Focus on “Mid-Cap” Companies

He rarely buys giant companies like Reliance or TCS as these are the most prominent companies of the market. Instead, he looks for “Mid-Cap” companies medium-sized businesses (worth Rs.2,000 to Rs.20,000 Crores). These companies are big enough to be safe but small enough to still double or triple in size.

Concentration: Bet Big

He does not scatter his money across 50 different stocks. He usually holds only 12 to 15 stocks. He believes that if you have done your homework and found a great company, you should invest a meaningful amount of money in it.

Top Holdings of Ashish Dhawan

Stock Name	Holding (%)	Value (Cr)	3M Returns (%)
IDFC First Bank	1.3%	788.9	22.03%
M&M Financial	1.1%	586.1	9.95%
Religare Ent.	4.1%	340.6	-0.91%
Equites Small Finance bank	4.0%	283.2	8.93%
AGI Greenpac	4.8%	233.2	-10.83%
Greenlam Industries	3.8%	232.1	-0.09%
Quess Corp.	4.1%	126.2	-18.87%
RPSG Ventures	3.7%	92.3	-11.56%

(Data as of January 2025)

1. IDFC First Bank Ltd.

IDFC First Bank Ltd. has been changing from a corporate bank (lending to big factories) to a retail bank (lending to common people). This takes a lot of time and money. While the stock price has been up and down, Dhawan increased his stake in late 2025. This shows he is confident the bank is now ready to make good profits.

2. Mahindra & Mahindra Financial Services Ltd.

Ashish Dhawan holds a meaningful stake in Mahindra & Mahindra Financial Services Ltd., a rural-focused NBFC aligned with the Mahindra ecosystem. The company caters to underserved borrowers, especially in tractors and utility vehicles. Despite cyclical stress, Dhawan’s continued holding reflects confidence in long-term rural recovery, asset-quality improvement, and steady compounding potential.

3. Religare Enterprises Ltd.

Religare Enterprises this company owns Care Health Insurance, which is a very strong business. Religare had some trouble with its old owners years ago, but the new management has transformed the business. Dhawan is waiting for the market to realize the true value of the health insurance business hidden inside this company.

4. Equitas Small Finance Bank Ltd.

Equitas Small Finance Bank lends money to small shop owners, truck drivers, and micro-entrepreneurs. These are big banks that are usually ignored by the people. It is a risky business, but it earns high interest. In late 2025, Dhawan bought more shares of Equitas, showing he thinks the stock is currently available at a cheap price.

5. AGI Greenpac Ltd.

The world is moving away from plastic bottles so AGI Greenpac made glass bottles for medicines, food, and drinks. Dhawan is betting that as plastic gets banned, demand for glass will shoot up, resulting in a better future for the company.

6. Greenlam Industries Ltd.

Ashish Dhawan holds a stake in Greenlam Industries Ltd., a leading player in laminates and surface solutions. The company benefits from housing upgrades, premiumisation, and export demand. Dhawan’s holding reflects confidence in Greenlam’s strong brand, improving margins, and long-term growth from construction and interior trends.

7. The Quess Corp Split (The “Hidden” Value)

In 2025, Quess Corp split into three separate companies to unlock value. Handles technology and business processing and also handles facility management (like security guards and housekeeping services). If you look at the stock price of just Quess Corp, it looks like it crashed. But it didn’t, the value just moved into Digitide and Bluspring. Dhawan held his shares through this split because he believes these businesses run better separately.

8. RPSG Ventures Ltd.

Ashish Dhawan holds a stake in RPSG Ventures Ltd., a company incubating and scaling consumer, technology, and lifestyle businesses. While near-term volatility exists, Dhawan’s investment reflects confidence in value unlocking through demergers, brand-building, and long-term growth across emerging segments.

What Changed in Portfolio?

He had invested in Glenmark Pharmaceuticals way back in 2019 but he sold Glenmark Pharma in 2025. For years, it did nothing, but in 2024-25, the price started to shoot up which was seen as an opportunity. Dhawan sold most of his shares, reducing his stake below 1% to book his profits. He followed the rule of buying at low and selling at high price.

In late 2025, when the market was worried about banks, he bought more shares of IDFC First and Equitas. He is not scared by any short-term adverse news.

One of the changes he supported is splitting Quess Corp. He prefers simple and focussed companies over complicated giants doing too many things.

Key Takeaways

Patience Pays: Patience is the biggest lesson that we can learn from Dhawan. He held stocks like Glenmark and IDFC First Bank for 5 or 6 years. In the stock market, money moves from the impatient to the patient so one should not expect to get rich in a month.
Understand What You Buy: Dhawan invests heavily in Banks and Financial companies because he understands them well. He does not chase every new trend like AI or crypto if he doesn’t understand it so stick to what you know.
Don’t Panic Over Headlines: Misleading Headline – For example, news reports stated “Quess Corp Crashes,” when it actually was only splitting into three separate companies. Therefore, you should always dig deeper and be sure to do your due diligence before selling off any stock during panic.
Invest in “Boring” Companies: The Laminates Business is a “boring” business, and Glass Bottles are also boring. The same is for the staffing companies; they are all “boring.” However, “boring” can be a profitable way to do business, and as such, Greenlam Industries (laminates) is still one of the more consistent stocks in my portfolio.

Conclusion

Ashish Dhawan’s portfolio is a bet on the future of India. He thinks more Indians will take loans (Banking), more Indians will improve their homes (Greenlam), and more Indians will get formal jobs (Quess).

He doesn’t play the game of daily trading. He is planting seeds and some of those seeds grow up into trees and he takes the fruit, like Glenmark. Other seeds are growing, like Equitas and IDFC.

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Frequently Asked Questions (FAQs)

What is the value of Ashish Dhawan’s portfolio?
As of late 2025, the value of his public stock portfolio is estimated to be between Rs.2,800 Crore and Rs.3,500 Crore. This value changes daily as stock prices move up and down.
Why did Ashish Dhawan’s investment in Quess Corp seem to drop?
It was not a loss as Quess Corp split into three separate companies (Quess, Digitide, and Bluspring). Dhawan still owns shares in all three. The value just got divided across three different stocks instead of one.
Did Ashish Dhawan sell Glenmark Pharmaceuticals?
In the late 2025 he sold a large part of his holding. He reduced his stake below 1%. This was likely to book profits after the share price surged significantly.
What new stock did he buy in 2025?
His major new purchase was Northern ARC Capital, a financial services company and bought a stake of around 2.17%.
Which sector is his favorite?
The most preferred sector was the Financial Sector. A large part of his money is invested in banks and finance companies like IDFC First Bank, Equitas Small Finance Bank, Religare, and M&M Finance.

January 8, 2026

How Interest Rates Impact Mutual Funds in India

A few years ago, fixed deposits felt like the safest answer for most investors. Investors used to lock their funds in a fixed deposit and earn a steady interest. There was limited concern about market fluctuations, as fixed deposits offered predictable returns. But then interest rates started moving and returns changed. Suddenly, many people began looking beyond deposits and towards mutual funds.

This shift highlights why interest rates and mutual funds are deeply connected. In fact, a change in the interest rate can impact the mutual fund performance, especially over time. To invest with clarity, it is also important to understandhow interest rates influence mutual funds, rather than treating them as the same thing.

So, if you are new to investing or have been investing for years now, read this guide. Understand how these two are connected and why you should evaluate the relationship when you plan to invest.

Understanding Interest Rates

Interest rates affect everyday money decisions, even when we do not notice them directly. From loan EMIs to returns on deposits, almost every financial decision is influenced by interest rates. Simply put, interest rates are the cost of borrowing money and the reward for saving it.

Here is how interest rates work in real life:

When the interest rate is low, borrowing rates are low. People can borrow more at a lower cost. This increases the spending capacity of the people.
When the interest rate is high, the earning part of savings becomes more lucrative. This is the time when people spend less and invest more into savings.

These changes influence markets and investment products, including mutual funds. Understanding this basic cycle helps you see why interest rates matter beyond banks and deposits.

RBI Tools That Shape Interest Rates

Interest rates in India do not move on their own, they are largely influenced by policy decisions and economic conditions.. Behind every interest rate rise or cut, there is a decision taken by the Reserve Bank of India. The RBI’s role is not to chase market returns. It works to ensure that the economy is stable and is helping the banking system work seamlessly.

The RBI rates that you must know of are as follows:

1. Repo Rate

The repo rate is the interest rate at which banks borrow money from the RBI. This is usually for short periods. When the repo rate goes up, banks pay more to borrow. This usually leads to higher loan interest for customers. When the repo rate comes down, loans become cheaper. This is the time when spending quickly picks up.

2. Reverse Repo Rate

The reverse repo rate is the opposite. It is the rate banks earn when they park extra money with the RBI. When this rate is high, banks prefer keeping money with the RBI instead of lending. This reduces money flow in the economy and the general interest rate rises. When it is low, banks are in a position where they can lend more and interest rates fall.

3. Cash Reserve Ratio (CRR)

This is the amount that the banks keep with the RBI for safekeeping. It is the amount that the bank cannot use for lending to customers. A rise in CRR means that banks have less money to lend, and so rates will rise. At the same time, when CRR falls, the money with banks increases to give out loans to customers. Now banks can lend more at lower rates.

With the help of these, the RBI controls the money supply and the credit growth. Also, the overall interest rate direction is determined without directly setting loan rates.

Factors Affecting Interest Rates

Interest never moves in a straight line. It works in cycles. This is why it is very important to know all the factors that impact the interest rates and how you can actually manage them better. So, the key factors are as follows:

1. Inflation Pressure

When everyday costs like food, fuel, and services rise quickly, interest rates are increased. Higher rates make borrowing costly. This reduces the amount that people seek as a loan. This also reduces the purchasing parity as well and so the consumption as well.

2. Pace of Economic Activity

If businesses are expanding and people are spending freely, demand for loans increases. This pushes interest rates upward. When economic activity slows, lower rates are used to encourage borrowing and revive demand.

3. Availability of Money With Banks

When banks have excess funds, lending becomes easier and interest rates remain low. If funds dry up, banks raise rates to manage risk. Central bank actions often control this flow of money using various monetary tools.

4. Government Spending and Borrowing

Large government borrowing increases demand for funds in the market. This can lead to higher interest rates. Lower borrowing eases pressure and supports stable rates.

5. Global Market Influence

Interest rate moves in other major economies affect capital movement. If global rates rise, domestic rates may also increase to retain foreign investment. When global rates fall, there is room to cut rates locally.

All these factors work together and create a positive or negative impact on the interest rates. This thereby creates pressure on the investment plans as well.

How Interest Rates Impact Mutual Funds

Interest rate changes gradually make their way into mutual fund performance over time. The effect is not instant, but it becomes clear over time. The impact also depends on the type of mutual fund you hold. Debt funds react faster, equity funds react gradually, and hybrid funds fall somewhere in between.

1. Impact on Debt Mutual Funds

Debt mutual funds are the ones that are impacted by the interest rates directly. This is mainly because these funds invest in bonds and other debt instruments.

When interest rates rise, new bonds offer higher yields. Existing bonds with lower rates lose value, which can pull down debt fund NAVs. When interest rates fall, older bonds with higher coupons become more attractive and the bond value rises. So debt fund NAVs usually rise.

Long-duration debt funds are more sensitive to rate changes. Short-term and liquid funds are less affected.

2. Impact on Equity Mutual Funds

Equity mutual funds are affected indirectly as it has an impact on the company’s financials, profits and its investment decision. This impacts the market liquidity as well.

Lower interest rates reduce borrowing costs for companies. This supports expansion and improves earnings. This is positive for equity funds. Higher interest rates increase borrowing costs and slow economic growth. This can pressure stock valuations and its profitability.

The impact is not uniform. Rate-sensitive sectors feel it more, while defensive sectors remain relatively stable.

3. Impact on Hybrid Mutual Funds

Hybrid mutual funds hold both equity and debt. Their reaction to interest rate changes is more balanced.

The debt portion reacts directly to rate movements. The equity portion reacts based on growth expectations. Because these funds combine equity and debt, the overall impact is more balanced. This is why the same shows a relatively smoother and gradual performance across the interest rate cycles.

This makes them suitable for investors who want stability during changing rate environments.

In conclusion, interest rates influence mutual fund performance in different ways across fund categories. But in reality, they affect return direction and volatility, which are key factors in mutual fund performance analysis. So, there is an indirect relationship between interest rates and mutual funds.

Understanding the Link Between Interest Rates and Mutual Funds

Interest rates influence mutual funds in different ways, depending on what the fund invests in. A simple comparison helps make this link clearer. Instead of tracking every rate change, it is better to understand the pattern and how each fund type usually reacts.

The table below explains this connection in a practical way.

Interest Rate Movement	Debt Mutual Funds	Equity Mutual Funds	Hybrid Mutual Funds
Rates increase	Bond prices fall. Debt fund NAVs may decline, especially in long-duration funds.	Borrowing costs rise. Profit expectations may reduce, affecting market sentiment.	The debt portion may face pressure. The equity portion may turn cautious.
Rates decrease	Bond prices rise. Debt fund NAVs generally improve.	Lower borrowing costs support growth and valuations over time.	Debt gains support. Equity benefits gradually from growth optimism.
Stable rates	Returns come mainly from interest income. Volatility stays low.	Markets focus on earnings and fundamentals.	Balanced performance with limited volatility.
Sharp rate changes	High impact on long-duration funds. Short-term funds stay safer.	Short-term volatility increases before markets adjust.	Asset allocation helps smooth the impact.

Tips to Protect Your Mutual Fund Investments During Interest Rate Changes

Interest rate cycles are unavoidable. But understanding how to invest during these cycles can help you manage risk more effectively. So, you need to work on logic and not emotions and it requires a disciplined approach. Some of the tips for you to follow are as follows:

1. Match Fund Type With Rate Direction

When interest rates are rising, prefer short-duration or low-duration debt funds. They face less price pressure. When rates are expected to fall, longer-duration debt funds may benefit more.

2. Avoid Frequent Switching

Constantly moving between funds based on rate news often hurts returns. Interest rate impact plays out over time. Staying disciplined works better than trying to time every move.

3. Keep Equity Investments Goal Focused

Equity mutual funds should be aligned with long-term goals. Short-term changes can lead to volatility, but you should not panic. It is generally better to stay invested over the long-term to absorb short-term rate-driven volatility.

4. Use Asset Allocation to Reduce Risk

You must spread your investment across different assets. This will work best when there are market fluctuations and reduce overall portfolio risk. When one asset reacts negatively to rates, another may offer stability.

5. Review, Do Not Panic

Rate changes are normal. Review your portfolio periodically based on goal and time horizon. These small corrections lead to better results and can improve outcomes over time without unnecessary disruption.

These steps help you stay invested with confidence, even when interest rates move against expectations.

Conclusion

Interest rates are never the same. They change with time and can create varied impacts on investments. This is why it becomes really important for investors to keep an eye on the investment options as well as the interest rate.

Mutual funds react to these changes in different ways. And once you know and understand this, you will be working for investments based on logic. This will remove all the noise from between.

If you want to track interest rate trends and choose mutual funds that match your goals, platforms like Pocketful can help you invest with clarity and confidence.

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Frequently Asked Questions (FAQs)

o mutual fund returns change immediately when interest rates change?
Debt mutual funds may react quickly, especially long-duration funds. Equity mutual funds usually respond gradually as company earnings and market sentiment adjust.
Are debt mutual funds safe when interest rates are rising?
Short-duration and liquid debt funds are relatively safer during rising interest rate phases. Long-duration funds carry higher interest rate risk.
Should I stop SIPs in equity funds when interest rates rise?
No. Rising interest rates can cause short-term volatility, but long-term equity investing works best when SIPs are continued without interruption.
Which mutual funds benefit most when interest rates fall?
Long-duration debt funds and dynamic bond funds usually benefit more when interest rates decline, as bond prices tend to rise.
Can interest rates alone decide mutual fund performance?
No. Interest rates influence returns. But if you consider the overall performance, there are other factors as well that can create a varied impact. Analysing all will help you invest better.

January 8, 2026

Best Target Maturity Mutual Funds in India to Invest

In India today, many investors are looking for investment options that offer both security of capital and a predictable return. This has led to increased interest in Target Maturity Mutual Funds. These debt funds invest in government and highly-rated bonds for a fixed period. In the current volatile interest rate environment, they are being seen as a balanced alternative to Fixed Deposits (FDs) and traditional Fixed Maturity Plans (FMPs) during 2025.

What Are Target Maturity Mutual Funds?

Target Maturity Mutual Funds are passive debt funds that have a fixed maturity date. These funds track a specific bond index and maintain their investments in the bonds included in that index until their maturity. The objective is to provide investors with relatively stable and predictable returns over time, provided the investment is held until maturity.

Best Target Maturity Mutual Funds to invest in India

HDFC Nifty G Sec July 2031 Index Direct Growth
Aditya Birla Sun Life CRISIL IBX Gilt Apr 2029 Index Fund Direct Growth
Nippon India Nifty G Sec Jun 2036 Maturity Index Fund Direct Growth
SBI CRISIL IBX Gilt Index April 2029 Fund Direct Growth
SBI CRISIL IBX Gilt Index June 2036 Fund Direct Growth
HDFC Nifty G Sec Sep 2032 Index Direct Growth
ICICI Prudential Nifty SDL Dec 2028 Index Fund Direct Growth
Mirae Asset CRISIL IBX Gilt Index April 2033 Index Fund Direct Growth
ICICI Prudential Nifty G Sec Dec 2030 Index Fund Direct Growth
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Sep 2028 Index Fund Direct Growth

Read Also: Best Investment Options in India

1. HDFC Nifty G Sec July 2031 Index Direct Growth

HDFC Nifty G Sec July 2031 Index Direct Growth is a target maturity debt fund that tracks the Nifty G-Sec July 2031 Index. Investments in this scheme are primarily made in government bonds issued by the Government of India, which limits credit risk. The fund has a fixed maturity date, and its performance depends on interest rate fluctuations and index movements.

Fund Details:

Details	Information
Current NAV	12.87
Fund Size	670.47
Expense Ratio	0.20
Minimum Investment	100
Minimum SIP	100
Exit Load	Nill
Fund Manager	Sankalp Baid
1-year return	7.82
3-year return	8.43

2. Aditya Birla Sun Life CRISIL IBX Gilt Apr 2029 Index Fund Direct Growth

The Aditya Birla Sun Life CRISIL IBX Gilt Apr 2029 Index Fund Direct Growth is a debt fund with a fixed maturity date of April 2029. This fund invests in government bonds that are part of the CRISIL IBX Gilt Index. Since the investments are in government-issued bonds, the credit risk is low. The fund’s Net Asset Value (NAV) fluctuates periodically with changes in bond yields and interest rates, especially before maturity.

Fund Details:

Details	Information
Current NAV	13.03
Fund Size	610.41
Expense Ratio	0.22
Minimum Investment	500
Minimum SIP	500
Exit Load	Nill
Fund Manager	Harshil Suvarnkar
1-year return	8.78
3-year return	8.46

3 . Nippon India Nifty G Sec Jun 2036 Maturity Index Fund Direct Growth

The Nippon India Nifty G Sec Jun 2036 Maturity Index Fund Direct Growth is a target maturity debt fund with a maturity date of June 2036. This fund invests in government bonds included in the Nifty G-Sec June 2036 Index. Since the entire investment is in government securities, its structure is considered to have limited credit risk. The fund’s Net Asset Value (NAV) fluctuates periodically based on changes in interest rates and bond yields, especially before maturity.

Fund Details:

Details	Information
Current NAV	12.75
Fund Size	845.56
Expense Ratio	0.20
Minimum Investment	1000
Minimum SIP	100
Exit Load	Nill
Fund Manager	Siddharth Deb
1-year return	6.65
3-year return	8.46

4. SBI CRISIL IBX Gilt Index April 2029 Fund Direct Growth

The SBI CRISIL IBX Gilt Index April 2029 Fund Direct Growth is a target maturity debt fund with a maturity date of April 2029. This fund invests in government bonds included in the CRISIL IBX Gilt Index. Since the fund invests in securities issued by the central government, its credit structure is relatively secure. The fund’s Net Asset Value (NAV) fluctuates over time based on changes in bond yields and interest rates, particularly as it approaches maturity.

Fund Details:

Details	Information
Current NAV	12.98
Fund Size	2088.17
Expense Ratio	0.21
Minimum Investment	5000
Minimum SIP	500
Exit Load	Nill
Fund Manager	Ranjana Gupta
1-year return	8.76
3-year return	8.38

5. SBI CRISIL IBX Gilt Index June 2036 Fund Direct Growth

The SBI CRISIL IBX Gilt Index June 2036 Fund Direct Growth is a target maturity debt fund with a maturity date of June 2036. This fund invests in long-term government bonds included in the CRISIL IBX Gilt Index. Since the entire investment is in government securities, the credit risk is limited. The fund’s Net Asset Value (NAV) fluctuates with changes in interest rates and bond yields, particularly in the years leading up to maturity.

Fund Details:

Details	Information
Current NAV	13.01
Fund Size	2741.92
Expense Ratio	0.28
Minimum Investment	5000
Minimum SIP	500
Exit Load	Nill
Fund Manager	Ranjana Gupta
1-year return	6.45
3-year return	8.36

6. HDFC Nifty G Sec Sep 2032 Index Direct Growth

HDFC Nifty G Sec Sep 2032 Index Direct Growth is a target maturity debt fund with a maturity date of September 2032. This fund invests in government bonds included in the Nifty G-Sec September 2032 Index. Due to its entire investment being in government securities, it has a clean credit structure. The fund’s Net Asset Value (NAV) fluctuates over time based on changes in interest rates and bond yields, particularly in the period leading up to maturity.

Fund Details:

Details	Information
Current NAV	12.74
Fund Size	650.26
Expense Ratio	0.20
Minimum Investment	100
Minimum SIP	100
Exit Load	Nill
Fund Manager	Sanklap Baid
1-year return	7.51
3-year return	8.34

7. ICICI Prudential Nifty SDL Dec 2028 Index Fund Direct Growth

ICICI Prudential Nifty SDL Dec 2028 Index Fund Direct Growth is a target maturity debt fund with a maturity date of December 2028. This fund invests in bonds issued by state governments (SDLs) included in the Nifty SDL Index. Since the underlying investments are in state government securities, the credit structure is relatively clean. The fund’s Net Asset Value (NAV) fluctuates over time with changes in interest rates and bond yields, particularly before maturity.

Fund Details:

Details	Information
Current NAV	12.97
Fund Size	860.65
Expense Ratio	0.20
Minimum Investment	1000
Minimum SIP	–
Exit Load	Nill
Fund Manager	Darshil Dedhia
1-year return	8.12
3-year return	8.23

8. Mirae Asset CRISIL IBX Gilt Index April 2033 Index Fund Direct Growth

The Mirae Asset CRISIL IBX Gilt Index April 2033 Index Fund Direct Growth is a target maturity debt fund with a maturity date of April 2033. This fund invests in central government bonds that are part of the CRISIL IBX Gilt Index. Since the entire portfolio is based on government securities, credit risk is limited. The fund’s NAV fluctuates according to bond yields and interest rate movements, particularly in the period leading up to maturity.

Fund Details:

Details	Information
Current NAV	13.01
Fund Size	228.78
Expense Ratio	0.12
Minimum Investment	5000
Minimum SIP	–
Exit Load	Nill
Fund Manager	Mahendra Kumar Jajoo
1-year return	7.44
3-year return	8.29

9. ICICI Prudential Nifty G Sec Dec 2030 Index Fund Direct Growth

ICICI Prudential Nifty G Sec Dec 2030 Index Fund Direct Growth is a target maturity debt fund with a maturity date of December 2030. This fund invests in government bonds included in the Nifty G-Sec December 2030 Index. Due to its investment structure being entirely based on government securities, the credit risk is limited. The fund’s Net Asset Value (NAV) fluctuates periodically with changes in interest rates and bond yields, particularly in the period leading up to maturity.

Fund Details:

Details	Information
Current NAV	12.93
Fund Size	883.74
Expense Ratio	0.20
Minimum Investment	1000
Minimum SIP	500
Exit Load	Nill
Fund Manager	Darshil Dedhia
1-year return	7.68
3-year return	8.21

10. Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Sep 2028 Index Fund Direct Growth

The Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Sep 2028 Index Fund Direct Growth is a target maturity debt fund with a maturity date of September 2028. This fund tracks the CRISIL IBX 50:50 Gilt Plus SDL Index, which includes government bonds and state government bonds in roughly equal proportions. The fund’s Net Asset Value (NAV) fluctuates periodically based on changes in interest rates and the yields of these bonds, particularly in the period leading up to maturity.

Fund Details:

Details	Information
Current NAV	12.84
Fund Size	144.84
Expense Ratio	0.20
Minimum Investment	100
Minimum SIP	100
Exit Load	Nill
Fund Manager	Pranavi Kulkarni
1-year return	8.33
3-year return	8.18

Types of Target Maturity Funds Available in India

Gilt Target Maturity Funds: Gilt Target Maturity Funds invest in central government bonds, therefore they have very low credit risk. While NAV fluctuations may occur initially due to interest rate movements, the risk is significantly reduced if held until maturity. This option is considered suitable for safety-conscious investors.
SDL Target Maturity Funds: SDL Target Maturity Funds invest in state government bonds. They may offer slightly better yields compared to Gilt Funds. The risk remains limited, but it’s important to consider liquidity and interest rate fluctuations. This fund is suitable for investors seeking balanced returns.
PSU and Bharat Bond Target Maturity Funds: These funds invest in bonds of public sector undertakings (PSUs) and government-backed entities, where government support is present. The risk level is low to moderate, and returns are typically slightly better than Gilt Funds. This option is useful for those seeking secure and stable income.

Key Risks Associated with Target Maturity Funds

Interest Rate Risk: If interest rates change before maturity, the fund’s NAV may fluctuate. This fluctuation can be more pronounced in longer-term funds.
Early Exit Risk: These funds are open-ended, but if an investor withdraws money prematurely, the prevailing market conditions at that time can affect the returns.
Reinvestment Risk: When reinvesting after the fund matures, interest rates may be lower, which could limit future returns.
Tracking Error: Since these are index-based funds, the fund’s performance may sometimes deviate slightly from its underlying index.
Liquidity Risk: In some schemes, low trading volume can slightly impact the NAV at the time of exit, especially during periods of market volatility.

Conclusion

Target Maturity Mutual Funds are designed for investors who seek a defined timeframe and a relatively stable structure within the debt segment. The key features of these funds are their fixed maturity date and bond-based structure, which makes the investment behavior easier to understand. However, they are still subject to the impact of interest rate fluctuations, and should be viewed with that in mind. Overall, Target Maturity Funds offer a distinct approach to intelligently managing a debt portfolio.

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Frequently Asked Questions (FAQs)

What are Target Maturity Mutual Funds?
These are debt funds that have a fixed maturity date and track a bond index.
Do Target Maturity Funds give fixed returns?
No, their returns are not fixed; they depend on bond yields and interest rates.
Is the NAV stable in Target Maturity Funds?
The NAV is usually stable closer to maturity, but fluctuations are possible before that.
Can money be withdrawn before maturity?
Yes, these are open-ended funds, but early withdrawal may affect the NAV.
Are Target Maturity Funds risk-free?
They are not entirely risk-free, but the credit risk is generally low.

January 7, 2026

Best Performing Mutual Funds of the Last 10 Years

Short-term returns can be tempting in mutual fund investing, but they do not always reflect the complete picture. Markets fluctuate over time, and a fund that looks like a top performer today may not remain one in the future. That is why evaluating mutual fund performance over a longer period is important while selecting them. A decade-long track record shows how a fund has handled different market phases over time.

In this blog, we look at some of the best-performing mutual funds over the last 10 years.

What are Mutual Funds?

Mutual funds are a way to invest your money without having to pick individual stocks or bonds yourself. Your money is pooled together with other investors and managed by a professional fund manager, who invests it across shares, bonds, or other asset classes. Your risk is spread out because of diversification across multiple securities.

Why 10-Year Returns are Important – Reviewing a fund’s 10-year returns helps you see the bigger picture. Over a decade, markets go through multiple phases, rallies, corrections, and even crashes.A fund that performs well over this period demonstrates resilience across different market conditions. Long-term returns also tell you how consistent a fund has been and make it easier to ignore short-term noise.

List of Best Performing Mutual Funds of the Last 10 Years

S. No	Fund Name	Category	10 Year Returns (in%)	AUM	Current NAV	Fund Manager	Min SIP	Min Investment
1	Quant ELSS Tax Saver Fund	Equity -ELSS	21.47	12,514 Cr	426.2708	Ayusha Kumbhat/Sameer Kate	500	500
2	Nippon India Small Cap Fund	Equity – Small Cap	20.9	68,572 Cr	187.055	Samir Rachh	100	5,000
3	Invesco India Mid Cap Fund	Equity – Mid Cap	20.11	10,006 Cr	222.95	Amit Ganatra	500	1,000
4	Edelweiss Mid Cap Fund	Equity – Mid Cap	19.99	13,196 Cr	123.069	Trideep Bhattacharya/Dhruv Bhatia/Raj Koradia	100	100
5	Quant Small Cap Fund	Equity – Small Cap	19.99	30,170 Cr	275.0669	Ayusha Kumbhat/Sameer Kate	1,000	5,000
6	DSP Natural Resources and New Energy Fund	Equity- Thematic	19.78	1,467 Cr	108.836	Rohit Singhania	100	100
7	Kotak Midcap Fund	Equity – Mid Cap	19.46	60,480 Cr	159.316	Atul Bhole	100	100
8	HDFC Mid Cap Fund	Equity – Mid Cap	19.39	92,169 Cr	225.488	Chirag Setalvad	100	100
9	Nippon India Growth Mid Cap Fund	Equity – Mid Cap	19.15	42,042 Cr	4,656.03	Rupesh Patel	100	100
10.	SBI Technology Opportunities Fund	Equity-Sectoral	18.90	5,130 Cr	267.6166	Vivek Gedda	500	5,000

Overview of Top Performing Mutual Funds of the Last 10 Years

1. Nippon India Small Cap Fund

Nippon India Small Cap Fund is meant for investors who are comfortable taking higher risk in exchange for long-term growth. The fund was launched in 2010. It invests mainly in small and emerging companies that have the potential to grow over time. While returns can be volatile in the short term, the fund has rewarded investors who stay invested for longer periods and can handle ups and downs. Return since launch is 20.12%. Exit Load stands at 1% for redemption within 1 year. Benchmark is NIFTY Smallcap 250 TRI. Top holdings of the fund include MCX, HDFC Bank, SBI, Karur Vyasa Bank, BHEL, etc.

2. Quant ELSS Tax Saver Fund

Quant ELSS Tax Saver Fund is a good option for investors for long-term wealth creation, along with tax benefits under Section 80C. Launched in January 2013, the fund is managed by Quant Mutual Fund and follows an investment strategy that adapts to changing market cycles. The fund falls under the ELSS category and has a lock-in period of three years. It invests across large, mid, and small-cap stocks, offering diversification within equities. The benchmark of the fund is NIFTY 500 TRI Index.

3. Invesco India Mid Cap Fund

Invesco India Mid Cap Fund is designed for investors looking for long-term capital appreciation by investing in mid-cap Indian companies. The fund was launched in April 2007. The fund invests primarily in mid-cap stocks that offer a balance between growth potential and business stability. With a moderately high risk profile, it is suitable for investors who can stay invested for the long term. Return since launch is 21.55%. An exit load of 1% will be charged for redemption within 365 days. Top holdings of the fund include The Federal Bank, AU Small Fin Bank, L&T Fin, Swiggy, BSE, etc.

4. Edelweiss Mid Cap Fund

Edelweiss Mid Cap Fund aims to generate long-term capital growth by investing in fundamentally strong mid-cap companies. Launched in January 2013. It carries a moderately high risk profile. Return since launch is 22.07% and has 1% exit load for redemption within 90 days. Top holdings of the fund include Coforge, Persistent Systems, BSE, Indian Bank, etc. The benchmark of the fund is NIFTY Midcap 150 TRI.

5. Quant Small Cap Fund

Quant Small Cap Fund is suitable for investors seeking aggressive long-term growth through small-cap companies. The fund was launched in January 2013 and invests primarily in small-cap stocks across sectors and carries a high-risk profile. Return since launch is 17.51% annualized and has a 1% exit load for redemption within 365 days. Top holdings of the fund include Reliance, Jio Financial, RBL Bank, Aegis Logistics, Adani Power, etc. The Benchmark of the fund is NIFTY Smallcap 250 TRI.

6. DSP Natural Resources and New Energy Fund

This is a thematic equity fund suitable for investors looking to benefit from global and domestic trends in energy, commodities, and natural resources. The fund was launched in April 2007. The fund invests in companies related to natural resources, power, energy, and allied sectors. Due to its thematic nature, it carries a very high-risk profile. Returns since launch are 17.52%. Exit Load is nil. Benchmark is MSCI World Energy 10/40 Net TRI (35), BSE Oil & Gas TRI (35), BSE Metal TRI (30). Top Holdings are ONGC, Jindal Steel, Tata Steel, Black Rock Global Funds, Etc.

7. Kotak Mid Cap Fund

The fund was launched in September 2014. The fund invests across diversified mid-cap stocks and follows a bottom-up stock selection approach. With a moderately high risk profile, it is suitable for investors aiming for long-term wealth creation. Returns since launch are 20.60%. Exit Load 1% will be charged for redemption within 365 days. The Top Holdings of the fund are GE Vernova T&D, Fortis Healthcare, Mphasis, Ipca Laboratories, etc.

8. HDFC Mid Cap Fund

Launched in July 2007, it belongs to India’s most trusted and experienced mutual fund houses. The fund invests in quality mid-cap companies with sustainable business models and strong management. It carries a moderately high risk profile and is suitable for long-term investors seeking consistent growth through exposure to mid-sized companies. Returns since launch are 21.06%. Benchmark of the fund is NIFTY Midcap 150 TRI. Exit Load is 1% for redemption within 365 days. The Top Holdings of the fund are Max Financial, AU Small Fin Bank, The Federal Bank, Indian Bank, Balkrishna Ind., etc.

9. Nippon India Growth Mid Cap Fund

Nippon India Growth Mid Cap Fund is designed for investors looking to build wealth. It was launched in October 1995 and is one of the oldest mid-cap funds. With a moderately high risk profile and a proven long-term track record, it is suitable for investors. Returns since launch are 18.63%. Benchmark is NIFTY Midcap 150 TRI. Exit Load is 1% for redemption within 30 days. Top Holdings of the fund are BSE, Fortis, Federal Bank, AU Small Fin Bank, etc.

10. SBI Technology Opportunities Fund

This fund is meant for investors who want focused exposure to India’s fast-growing technology and digital sectors. Since it is a sector-focused fund, returns can be volatile in the short term. It is best suited for long-term investors who believe in the technology growth story. Returns since launch are 20.84%. Exit Load is 0.5% for redemption within 15 days. Benchmark is BSE Teck TRI. Top Holdings of the fund are Infosys, Bharti Airtel, Coforge, LTI Mindtree.

Conclusion

Strong 10-year returns do not guarantee future performance, but they do highlight funds that have shown consistency and discipline over time. Remember, these fund rankings can also vary and are subject to changes depending on multiple scenarios. For example, a change in fund manager may impact a fund’s performance positively or negatively. Also, match these funds with your goals, risk comfort, and investment horizon and consult your financial expert before making any investment decision.

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Frequently Asked Questions (FAQs)

Are mutual funds with high 10-year returns safe?
Not always, strong past returns show consistency, but every fund carries market risk.
Should I invest only based on past performance?
No. Past performance can be helpful, but you should also consider other factors like fund category, risk, objective, etc.
Is SIP better than a lump sum for long-term funds?
Although both modes of investment give similar returns, if you are a retail investor, SIPs will work better.
How often should I review my mutual fund investments?
You should review your mutual fund investments every 6 months.
Can beginners invest in long-term mutual funds?
Beginners can start with SIPs and focus on diversification of portfolio to spread out the risk.

January 7, 2026

Blog

Best Long-Term Mutual Funds to Invest in India for 2026

Factors to Consider Before Choosing a Long-term Mutual Fund

List of Best Long-term Mutual Funds to Invest In

Best Long-Term Mutual Funds – An Overview

1. SBI Focused Fund

2. ICICI Prudential Focused Equity Fund

3. ICICI Prudential Large & Mid Cap Fund

4. Kotak Focused Fund

5. HDFC Flexi Cap Fund

6. ICICI Prudential Large Cap Fund

7. Aditya Birla Sun Life Flexi Cap Fund

8. ICICI Prudential Midcap Fund

9. HDFC Focused Fund

10. Tata Flexi Cap Fund

Risks Involved in investing in Long-Term Mutual Funds

Conclusion

Frequently Asked Questions (FAQs)

Are long-term mutual funds safe?

Is SIP better than a lump sum?

How many mutual funds should I hold for the long term?

Can I stop my SIP during a market fall?

What if a fund underperforms for a few years?

Best SIP Mutual Funds in India

How to Choose the Best SIP Mutual Funds

List of Top 10 SIP Mutual Funds

1. ICICI Prudential Infrastructure Fund

2. Motilal Oswal Midcap Fund

3. Bandhan Small Cap Fund

4. HDFC Mid Cap Fund

5. Franklin Build India Fund

6. ICICI Prudential Value Fund

7. Nippon India Growth Mid Cap Fund

8. HDFC Focused Fund

9. Motilal Oswal Large & Mid Cap Fund

10. HDFC Flexi Cap Fund

Conclusion

Frequently Asked Questions (FAQs)

What is SIP in Mutual Funds?

Are SIPs safe investments?

Can I stop or pause my SIP anytime?

Do SIPs give guaranteed returns?

How many SIPs should I have at one time?

What is Auction Market?

What Is an Auction Market?

How an Auction Market Functions

1. Market as an Ongoing Auction

2. Price Discovery and Fair Value

3. Buyer and Seller Imbalance

4. Point of Control in the Share Market

5. Role of Price and Spot Price

6. Bid and Ask Price Dynamics

7. Volume and Time Interaction

Key Stakeholders in Auction Trading

1. Buyers

2. Sellers

3. Stock Exchange

4. Brokers and Trading Platforms

5. Market Makers and Liquidity Providers

6. Regulators

Example of Auction Trading in the Share Market

Auction Market vs. Order-Driven Market

Conclusion

Frequently Asked Questions (FAQs)

What is an auction market in simple terms?

What is auction trading in the share market?

Is the Indian stock market an auction market?

What is auction market theory used for?

How is liquidity shown in auction trading?

Best Gilt Mutual Funds in India: Returns, Risks & Top Picks

What Are Gilt Mutual Funds?

Best Gilt Mutual Funds to invest in India

Best Gilt Mutual Funds – An Overview

1. SBI Gilt Fund

Fund Details :

Fund Performance

2. ICICI Prudential Gilt Fund

Fund Details :

Fund Performance

3. HDFC Gilt Fund