When it comes to the initiation of investing your money, all of us want to invest our money in those options where we can earn stable and risk-free returns.
Mutual funds investment plans offer us a wide range of investment plans where everyone can invest their from high-risk tolerant investors to low risk tolerant conservative investors. Mutual funds have investment plans for almost everyone.
It is a common conception in everyone’s mind that if you want to become an investor or you want to invest your money to earn profits then you need a large amount of money.
Mutual funds have lower the bar and there is various mutual funds SIP (Systematic Investment Plans) where you can begin your investment as low as 100 Rupees/month.
If you are a student, millennial or belong to low income earning category than this SIP can be a good option for you to start your investments. You might be spending 100 rupees in buying some snacks in street or in college canteen but with the SIP you can earn a good amount of returns.
ICICI Prudential Blue Chip Fund
ICICI prudential blue-chip fund has put a lot of impact on the investment market. The fund was started back in the year 2008, in 2008 the Indian economy faced a major decline because of that this fund did not start as per expectations. After 2008 this fund keeps growing and reaching it all expected targets without showing any signs of weakness.
This fund belongs to a large-cap category and invests money in top 100 stocks of mutual funds markets based on their market cap. Majority of the funds are invested in the equity market but a small portion of about 5% is also invested in the debt market.
| Category | Large Cap |
| Benchmark | Nifty 100 TRI |
| Launch Date | 23-May-2008 |
| Minimum SIP | 100 Rupees |
| Assest Size | Rs. 200,115 crores (2018) |
| Return Inception | 13.60% |
Reliance Small Cap Fund
Reliance small-cap fund has become a very popular mutual fund over the period of time. It was started in September 2010, in starting few years it performed quite flat on the graph but after 2013 it showed exceptional growth. This fund given impressive growth even was an entire small-cap index was declined.
The brilliant performance of this fund shows excellent management and its strategy which is perfectly working in favour of the scheme.
Reliance small cap fund invests a majority of funds in equity small cap instruments. This fund is the perfect option for investors with long term investment plans and investors who have high-risk tolerance appetite.
| Category | Small-Cap |
| Benchmark | S&P BSE Small-Cap TRI |
| Launch Date | Sep-2010 |
| Minimum SIP | 100 Rupees |
| Asset Size | Rs. 7,461 crores (2018) |
| Return Inception | 17% |
Reliance Large Cap Fund
Reliance large-cap fund is considered to be one of the best and investment option to generate higher returns. The scheme follows a highly diverse pattern and invests funds in 45 stocks.
This fund is one the best option for those investors who can only invest a very small amount of money as a minimum monthly investment in SIP is just 100/month, even students and millennial can easily invest in this scheme.
Since scheme invests a majority of funds in large-cap stocks or blue-chip stocks which also make the best choice for investors with low-risk tolerance.
| Category | Large Cap |
| Benchmark | S&P BSE Large Cap TRI |
| Launch Date | Aug-2007 |
| Minimum SIP | 100 Rupees |
| Asset Size | Rs. 11,740 crores (2018) |
| Return Inception | 10% |
ICIC Prudential Mid Cap Fund
ICICI prudential mid-cap fund was launched in October 2018 since that this fund has gained a lot of trust amongst investors. This fund becomes one of the top investment options in the mid-cap category because of its excellent performance.
It was the top-performing fund in the year 2018 under the mid-cap category. The fund has managed to generate good annual returns since it has been launched and the average annual return of this fund is about 17%.
| Category | Mid Cap |
| Benchmark | Nifty Mid Cap 150 TRI |
| Launch Date | Oct-2018 |
| Minimum SIP | 100 Rupees |
| Assest Size | Rs. 1,577 crores (2018) |
| Return Inception | 16.60% |
ICICI Multi-Cap Fund
ICICI multi-cap fund is one the best pick for conservative investors or investors with low-risk appetite. Although the scheme is for conservative investors still it has been able to outperform other funds from the same benchmark and category in a matter of returns.
Currently, the scheme holds stocks of 68 companies which belong to large-cap category and companies which given stable growth over the period of time.
The scheme invests about 80% assets in these high reputed large-cap companies, rest of the assets are distributed in mid and small-cap sectors.
Fund managers of this scheme have diversified assets in the ratio to gain maximum returns at the lowest risk which make it a top choice for conservative investors.
| Category | Multi-Cap |
| Benchmark | Nifty 100 TRI |
| Launch Date | May-2008 |
| Minimum SIP | 100 Rupees |
| Asset Size | Rs. 3,121 crores (2018) |
| Return Inception | 14.60% |
Nippon India Large Cap Fund Growth
This is great another fund which allows investors to begin their investments with just SIP investment Rupees 100/month. This fund invests the majority of the assets about 70% in large-cap companies and rests 30% is distributed amongst mid and small-cap categories.
Since this fund manages a diverse portfolio which invests money in all caps, diversification of assets makes this fund one the best option in risk to reward factor.
| Category | Large Cap |
| Benchmark | S&P BSE 100 TRI |
| Launch Date | Aug-2007 |
| Minimum SIP | 100 Rupees |
| Asset Size | Rs. 10,298 crores |
| Return Inception | 14.61% |
IDFC Core Equity Fund – Growth
IDFC core equity is one the best pick for investors who can tolerate moderate-high risk. This is a multi-cap fund which invests assets amongst all three market caps, assets are distributed in the ratio to generate maximum profits at the lowest risks.
The scheme allows investing a minimum of 100 Rupees through SIP investment. This fund invests about 36.69% in large-cap, 38.94% in mid-cap and 15.8% in small-cap stocks. More than 98% of assets in this scheme are invested in the equity market.
| Category | Multi-Cap |
| Benchmark | Nifty 50 |
| Launch Date | Aug-2005 |
| Minimum SIP | 100 Rupees |
| Asset Size | Rs. 21,85.4 crores |
| Return Inception | 12.37% |
UTI Master share Unit Scheme – Growth
This is a mutual fund managed and offered from UTI mutual fund house and it is one the best investment option for investors who want to invest the majority of assets in large-cap category. Approx 75.19% assets in this scheme are invested in large-cap stocks which make this scheme perfect pick for conservative investors.
8.71% of assets are invested in mid-cap and an only a small portion of 3.15% is invested in the small-cap category. In large-cap scheme has its investments in HDFC Bank, ICICI Bank, Infosys, TCS, Axis Bank and L&T.
| Category | Large Cap |
| Benchmark | S&P BSE 100 TRI |
| Launch Date | Aug-2005 |
| Minimum SIP | 100 Rupees |
| Asset Size | Rs. 7,007.54 crores |
| Return Inception | 16.44% |
ICICI Prudential Nifty Next 50 Index Fund
This is one of the top index fund offered by ICICI prudential mutual fund house. Since its launch from 2010, the fund has provided consistent annual average growth of about 10.21%.
If you were to invest about 1 lakh rupees in this fund than in the period of 5 years this fund can return you about rupees 1.49 lakhs.
More than 99% of funds are invested in the Indian stock market, out of that 66.47% of assets are invested in large-cap, 26.7% in mid-cap and only 5.27% in the small-cap category.
| Category | Index Fund |
| Benchmark | NIFTY 50 TRI |
| Launch Date | Jan-2013 |
| Minimum SIP | 100 Rupees |
| Asset Size | Rs. 893.5 crores |
| Return Inception | 12.83% |
Nippon India Pharma Fund – Direct Plan
This is offered by Nippon India mutual fund house and this scheme is mainly focused on the pharmaceutical sector of the stock market. Fund has provided consistent growth over the period of time since it has been launched.
54.71% of assets are invested in large-cap companies and remaining is distributed amongst mid to small-cap companies. This fund is suitable for investors who can bear moderate to high risk.
| Category | Sectoral/Thematic |
| Benchmark | S&P BSE Healthcare TRI |
| Launch Date | Jan-2013 |
| Minimum SIP | 100 Rupees |
| Asset Size | Rs. 4,150.97 crores |
| Return Inception | 18.46% |
