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Best Mutual Fund Scheme in:

1)Large Cap Equity Scheme:

 SBI BlueChip Fund


 Aditya Birla Sun Life Top 100
 Aditya Birla Sun Life Frontline Equity

Rationale: large cap schemes invest in very large companies (or stocks with large cap market
capitalisations). For example, some large cap schemes invest in BSE top 100 stocks. These
companies may be leaders in their segments and they are less prone to volatility. They may
also fall less during a bad phase in the market. The opposite is also true: they also won't zoom
like unknown stocks when the market is in a bull phase.
These factors make large cap mutual fund schemes suitable for equity investors with low risk
appetite. As you may have realised by now, large cap schemes offer stable moderate returns.
That means if you are looking for eye-popping returns, you should not invest in large cap
schemes.

2)Mid Cap & Small Cap Equity Scheme:

 Reliance Mid and Small Cap Fund


 L&T Emerging Business Funds
 IDFC Sterling Equity-Direct

Rationale: this category is only for investors who have seen a number of equity cycles and
understand the risks in such investments. "Though the returns are tempting, the risk in small
and mid-cap funds is far higher.

3)Balanced Fund Scheme:

 HDFC Balanced Fund


 TATA Balanced Fund
 Birla Sun Life Balanced’95 Fund

Rationale: By investing in both Equity & Debt these schemes keep the risk under control but
the returns too are low as compared to those offered by equity schemes.

4)Tax Saver Scheme:

 Axis Long-Term Equity Direct


 Reliance Tax Saver Direct
 Franklin India Taxshield Direct

Rationale: Tax-saving investments traditionally have long lock-in periods. The PPF has a
lock-in of 15 years, the Employee Provident Fund (EPF) and National Pension System (NPS)
requires you to stay invested till you retire. Other options like FDs have a lock-in of at least 5
years. Compared to all of them, ELSS funds have a lock-in period of only 3 years. This
means you don’t have to compulsorily stay invested in them for long periods. You can
redeem your invested amount after a period of 3 years.

5)Debt Schemes:

 Franklin India Low Duration Fund


 HDFC Short Term Fund
 IndiaBulls Short Term Fund

Rationale: A debt fund is very liquid—you can withdraw your investments at any time and
the money is in your bank account the next day. Unlike a fixed deposit, the fund house does
not levy a penalty for exiting too soon. Some funds have an exit load if the investment is
redeemed within 3-6 months. However, most debt funds don't levy a charge if the investment
is redeemed after one month. Besides, you can make partial withdrawals, without having to
break the entire investment.

6)Liquid Schemes:

 Birla Sun Life Cash G Plus


 HDFC Liquid Fund G
 Axis Liquid Fund G

Rationale: Liquid funds are categorised as low risk products from liquidity and interest rate
risk perspective. This is because they hold very short term instruments where the chances of
interest rate fluctuations are less. Returns on these schemes fluctuate much less compared to
other debt funds.The probability of the credit risk i.e. the risk of default is also low due to
short maturity of investment portfolio. The credit risk is further mitigated by investments
based on evaluation of credit fundamentals such as outlook on the sector, parentage, quality
of management and credit ratings.

7)Theme Based Schemes:

 Birla Sun Life Buy India Fund


 Birla Sun Life India Gennext Fund
 Birla Sun Life India Reforms

Rationale: We live our lives based on our understanding of it. Our geography, education,
profession and habits determine how we go about ourselves. Even when it comes to money,
we generally like to invest in something that resonates with our ideas and understanding.
Thematic Investing is a platform that helps you do just that in a completely hassle-free way.
It is built to empower you to invest professionally based on your individual thinking process
instead of having to your own research or build your own portfolio from scratch.
For example, if you think that renewable energy is the way of the future and foresee that it
will replace fossil fuels someday, you can invest in a theme that is designed specifically with
that view. So, you can save your valuable time & energy to do other things instead of being
burdened with cumbersome and high level research work that is required to manually build
the portfolio yourself.