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Top 10 Best Performing SIP Mutual


Funds to invest in 2016

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October 12, 2015 Suresh KP

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Top 10 Best Performing SIP


Mutual Funds to invest in
2016

Earlier, I have written on top


and

best

performing

SIP

mutual funds in past years


i.e. 2013, 2014 and 2015.
These

mutual

funds

have

been giving superior returns.


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for 2016. There are several


best mutual funds to invest in 2016. However, I have analysed them on
various aspects and providing top 10 mutual funds to invest in 2016 in this
article. Which are the Top 10 Best Performing SIP Mutual Funds to invest
in 2016? What parameters I have selected before considering such best

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Top 10 Best Performing SIP Mutual Funds to invest in 2016

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These top 10 best performing mutual funds to invest through SIP in India
have been analysed and shortlisted based on several key parameters.
These top mutual funds to invest is suitable based on risk appetite.

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Top 10 Best
Performing SIP
Mutual Funds to
invest in 2016

These are picked based on highest returns received in the last 5


years. Care has been taken to see that such funds gave superior
returns when you invest through SIP and not just a lump sum amount.

Mutual Funds that are rated by Crisil as Rank-1, Rank-2, Rank-3


and Rank-4 which indicates top performance across various market
cycles.

Value research (VRO) rated these mutual funds as 5 star and 4


star.

AUM (Assets under management) > 100 Crores. This is the amount
invesed by investors till now which proves investor confidence among
these top 10 best performing mutual funds.

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Some of the funds might be a repetition from my earlier


recommendation.

Mutual funds SIP returns are also considered while ranking these
funds.
Also Read: Which are the Best Debt Mutual Funds to invest now?
Top#1: UTI Equity Fund

Fund Objective: This mutual fund objective is to invest at least 80% of its
funds in equity and equity related instruments with medium to high risk
and balance 20% in debt instruments with low to medium risk profile.
Fund Performance: This fund has beaten its peers and provided 12%
annualised returns in last 5 years. If you have invested in this fund for Rs
1,000 per month through SIP for 5 years, your total investment would have
been Rs 60,000 and your investment value would have been Rs 94,900

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now. I had recommended this fund last year and it continues to be another
best fund to invest for long term of 10-20 years.
Why to invest: The fund has provided low volatility returns through a
difficult period in equity markets. The strategy is clearly articulated and
has delivered exactly what it promised. This fund has provided 12%
annualised returns in last 5 years compared to S&P BSE 100 returns of
5.8%. This has given 15.5% returns in last 10 yars compared to S&P BSE 100
returns of 12.2%. This is one of the oldest fund of 22 years of history and
performed well even in bear markets.
Top#2: ICICI Pru Focussed Blue Chip Fund

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Page 3 of 9

Fund Objective: This mutual fund objective is to invest in 20 large cap


companies from the top 200 stocks listed on the NSE on the basis of
market capitalization. This fund's objective would get altered if assets
cross more than 1,000 Crores (which we are seeing now) where it would
invest beyond 200 stocks listed in the NSE.
Fund Performance: This fund has beaten all its peers and provided 11%
annualised returns in last 5 years. If you have invested in this fund for Rs
1,000 per month through SIP for 5 years, your total investment would have
been Rs 60,000 and your investment value would have been Rs 89,200
now. Recently this fund has lagged in performance compared to its peers,
however, I still believe this is one of the best performing mutual fund to
invest for long term of 10-20 years.
Why to invest: This fund has a clear strategy and consistently performing
in the long run. This fund beats all its peers and provided 11% annualised
returns in the last 5 years comparing to CNX Nifty returns of 6.05% in a
similar period. This makes this as a unique fund among its peers. Hence,
this is one of the top mutual funds to invest.
Top#3: Birla SL Frontline Equity Fund

Fund Objective: This fund aims to generate long term growth of capital
by diversifying across various industries/sectors in BSE 200.
Fund Performance: This fund has beaten its peers and provided 11.2%
annualised returns in last 5 years. If you have invested in this fund for Rs
1,000 per month through SIP for 5 years, your total investment would have
been Rs 60,000 and your investment value would have been Rs 94,040
now. This is another top fund to invest for long term of 10+ years.
Why to invest: This MF scheme is a consistent performer. In long run of 10
years, it has given 17.8% annualized returns against S&P BSE 200 which
just gave 12% annualized returns. This has never lagged in last 10 years
and winner in various investment cycles. This is one of the consistent top
performing mutual fund to invest in 2016 as it has performed well in
various market cycles over a decade.
You may also like: Should you invest through ZIPSIP mutual fund
platform of myuniverse ?
Top#4: Franklin India Smaller Companies Fund

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Fund Objective: This funds objective is to generate long-term capital


appreciation from a portfolio of mid-cap and small-cap companies. It
invests upto 75% in smaller companies.
Fund Performance: This fund has beaten its benchmark and provided 19%
annualised returns in last 5 years. If you have invested in this fund for Rs
1,000 per month through SIP for 5 years, your total investment would have
been Rs 60,000 and your investment value would have been Rs 130,650
now. This is one of the best performing funds to invest for long term of
8-10 years. This is one of the higest return mutual fund which provided
30% annualised returns in last 3 years.
Why to invest: This fund differentiates itself from market cap orientation.
This fund invests smaller portion in large cap and invests a sizeable
amount in small companies, hence it can be termed as smaller stock fund.
This fund performed excellent in last 5 years and given 19% annualised
return comparing to CNX Midcap benchmark of 7.1%. In my personal view,
this is one of the top mutual funds to invest in mid-cap/small-cap
segment.
Top#5: Mirae Asset Equities Blue Chip Fund

Fund Objective: This fund aims to generate income and capital


appreciation from a diversified portfolio predominantly investing in Indian
equities and equity related securities of companies which are not part of
the top 100 stocks by market capitalization and have market capitalization
of atleast Rs.100 Crores at the time of investment.

Fund Performance: This is new entrant in to my top 10 best performing


funds. This fund has beaten its benchmark and provided 22% annualised
returns in last 5 years. If you have invested in this fund for Rs 1,000 per
month through SIP for 5 years, your total investment would have been Rs

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60,000 and your investment value would have been Rs 128,500 now. This is
one of the good funds to invest for long term of 8-10 years.
Why to invest: This fund performed well in last 5 years and given 22%
annualised return comparing to CNX Midcapbenchmark of 7.1% and overall
category average of 13.8%.
Top#6: UTI Mid Cap Fund

Fund Objective: This mutual fund scheme objective is to provide 'Capital


appreciation' by investing primarily in mid cap stocks.
Fund Performance: This fund has beaten its benchmark and provided
17.8% annualised returns in last 5 years. If you have invested in this fund
for Rs 1,000 per month through SIP for 5 years, your total investment
would have been Rs 60,000 and your investment value would have been Rs
126,700 now. This is one of the best mid-cap funds to invest for long term
of 8-10 years. This is one of the best performing mutual funds which gave
19% annualised returns in last 2 years.
Why to invest: This fund invests majority in mid-cap funds which
outperforms in shorter duration if one invests in the right mid-cap stocks.
This fund performed excellent in last 5 years and given 17.8% annualised
return comparing to CNX Midcap benchmark of 7%. High risk investors can
invest in best performing mid-cap funds through SIP.
Top#7: ICICI Pru Value Discovery Fund

Fund Objective: This fund aims to invest in a well-diversified portfolio of


value stocks which are having attractive valuations in relation to earnings
or book value or current and/or future dividends.
Fund Performance: This fund has beaten its benchmark and provided 17%
annualised returns in last 5 years. If you have invested in this fund for Rs
1,000 per month through SIP for 5 years, your total investment would have
been Rs 60,000 and your investment value would have been Rs 114,400
now. This is one of the top performing funds to invest in India for long
term of 8-10 years.
Why to invest: ICICI Pru Value Discovery is actually a market-cap agnostic
fund that practises classic value investing. The fund beaten records when
the markets have reversed directions unexpectedly. This fund performed
excellent in last 5 years and given 17% annualised return comparing to CNX
Midcap benchmark of 7.1%. Even in last 10 years it generated 19.3%
annualized returns compared to its CNX Mid-cap bnenchmark of 13%. If you

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want to play safe and reduce losses in a downturn and make the most in
bull run, you should own this mutual fund scheme.
Also Read: Best Hybrid Mutual Funds for moderate to low risk investors
Top#8: Franklin (I) High Growth Cos fund

Fund Objective: The fund invests in Indian companies/sectors with high


growth rates or potential. It will focus on companies offering the best
trade-off between growth, risk and valuation.
Fund Performance: This fund has beaten its benchmark and provided
15.4% annualised returns in last 5 years. If you have invested in this fund
for Rs 1,000 per month through SIP for 5 years, your total investment
would have been Rs 60,000 and your investment value would have been Rs
114,700 now. This is one of the best funds to invest for long term of 8-10
years. This is another good highest return mutual fund that provided over
30% returns in last 3 years.
Why to invest: This fund performed well in last 5 years and given 15%
annualised return comparing to CNX 500 benchmark of 6.29% and overall
category average of 9%. This invests in various sectors and hence this
multi-cap is expected to perform well in future too.
Top#9: HDFC Balanced Fund

Fund Objective: This mutual fund scheme aims to generate capital


appreciation from a combined portfolio of equity and debt instruments.
This scheme invests up to 60% in equity and balance in debt related
instruments.
Fund Performance: This fund has beaten its benchmark and provided
14.1% annualised returns in last 5 years. If you have invested in this fund
for Rs 1,000 per month through SIP for 5 years, your total investment
would have been Rs 60,000 and your investment value would have been Rs
96,900 now.
Why to invest: This fund performed well in last 10 years and given 16.3%
annualised return comparing to balanced fund category of 10.8%. Equity
centric balanced funds limit volatility by keeping part of investments in
fixed income and regularly rebalancing the portfolio. This fund rebalances its portfolio with an aggressive equity part.
Top#10: ICICI Balanced Fund

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Fund Objective: The scheme invests in equities and related securities as


well as fixed income and money market securities. It invests 60% minimum
in equity and balance in debt related instruments.
Fund Performance: This fund has beaten its benchmark and provided
14.5% annualised returns in last 5 years. If you have invested in this fund
for Rs 1,000 per month through SIP for 5 years, your total investment
would have been Rs 60,000 and your investment value would have been Rs
95,600 now.
Why to invest: This fund performed well in last 10 years and given 14.5%
annualised return comparing to balanced fund category of 6.3%. It would
reduce risk by investing part of the investment in debt instruments.
Also Read: Top Funds which I recommended to invest in 2015
Complete list of Best Performing Mutual Funds are indicated below

Conclusion: These Top and Best Performing SIP Mutual funds can be
invested to get good returns for the long term. This portfolio is designed
for all types of investors. I have excluded sector based funds as these are
for high risk investors and we need to monitor them regularly. If you are a
high risk investor, you can add more in the mid cap portfolio. If you are
moderate risk investor, you can add most balanced mutual funds in your
portfolio.
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Suresh
Top 10 Best Performing SIP Mutual Funds to invest in 2016

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281 comments
Older Comments

Sandeep
March 14, 2016 at 11:32 am

Hi Suresh
Can you also suggest large cap fund name to start with 1000 per
month SIP
Reply

Suresh KP
March 14, 2016 at 2:57 pm

You can invest in any of the large cap funds indicated here.
You can look for birla sl front line equity, ICICI focussed
blue chip fund etc.
Reply

Older Comments

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