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Mutual Fund Return Rate By Category in 2021: Types of Mutual Fund Returns

Want to know return rates for all mutual fund categories? Read this to get a detailed list of all mutual fund return rates, categorized basis performance & risk.

What is mutual funds return?

Mutual funds return is a return or an appreciation that comes from investing in securities like money market investments, from buying stocks and other assets. If you have invested in dividend options, you received or reinvested in a mutual fund return.

But always remember, if the mutual fund return rates is bigger than your investment, then it is a positive return, but if it is less than the investment, then it is a negative return which means loss. Sometimes it can go in loss, or sometimes it can give you higher profits depending on your investments.

Types of mutual funds returns

  • Trailing return : Trailing returns are the most famous measure to assess the overall performance of your fund in the past. They are point-to-point returns. The trailing duration may be of 1 year, two years, three years, five years, ten years, etc., essentially any duration.
  • Calendar returns : Calendar returns inform us how a fund performs in Market Rises and Market falls in numerous years. It indicates if the fund can include the losses higher than the Index it follows and how good returns a fund can generate in the market rallies.
  • Rolling returns : Rolling returns, also recognized as "rolling period returns" or "rolling time periods," are annualised common returns for the duration, finishing with the listed year. These returns are beneficial for analysing the behaviour of returns in the holding times, just like those who are skilled through investors.
  • SIP returns : A return on a SIP relies upon the risk that an investor is willing to take. More the risk, the greater the return. In this case, because the risk involved is moderate, the return will also be moderate. Investing in these funds may be carried out through a lump sum in addition to Systematic Investment Plan (SIP).

Comparison of moderate risk equity funds with mutual funds return rates

Scheme nameRisk Returns rates of 1 yearRatingFund size   (Rupees)
Canara Robeco Conservative Hybrid FundModerate11.55 star1000 cr
   LIC MF Liquid FundModerate3.53 star6702 cr
Kotak Dynamic Bond FundModerate3.75 star2972 cr
Nippon India Banking & PSU Debt FundModerate4.25 star6505 cr
ICICI Prudential Short Term FundModerate4.55 star20495 cr
Aditya Birla Sun Life Corporate Bond FundModerate4.05 star19779 cr
Nippon India Short Term FundModerate5.15 star9865 cr
UTI Value Opportunities Fund (G)Moderate30.54 star6469 cr
ICICI Prudential Corporate Bond FundModerate4.25 star19656 cr

Comparison of returns of high risk equity funds

These are the funds you should use to invest in shares of companies. These are termed risky because they are categorised according to the company's size. 

SchemeEstimated annualised return rateRisk factorRatingFund size(Rupees) 
Baroda Dynamic Equity Fund18.2%Highly risky5 - Star1580.07 Cr
Axis Small Cap Fund Direct Growth27.08%Highly Risky5 - Star739.96 Cr
Franklin India  Technology Fund Direct Growth22.27%Highly Risky5 - Star745.25 Cr

Comparison of returns of moderate risk tax saving funds

These mutual fund return rates are eligible for tax benefits under section 80 C of the Indian Income Tax Act. 

SchemeEstimated annualised return rateRisk factorRatingFundsize(Rupees) 
Sundaram Debt Oriented Hybrid Fund (G)15.34%Moderate2-Star33.77Cr
ICICI Pru MIP 25 (G)10.09%Moderately High5-Star3379.82Cr
UTI Regular Savings Fund – Reg (G)13.03%Moderately High3-Star1637 Cr

Comparison of returns of high risk tax saving funds

Tax saving funds are those from which we benefit from tax saving. These investments are made in the growth-oriented equity market.

SchemeEstimated annualised return rateRisk factorRatingFund size(Rupees) 
BOI AXA Midcap Tax Fund28.74%High risk5-Star90.25Cr
Mirae Asset Tax Saver26.84%High risk5-Star9117.90Cr
Canara Robeco Tax Saver26.51%High risk5-Star2576.75Cr

Comparison of returns from theme funds

These are the funds that are invested with a predetermined investment theme. The table given shows the top three thematic mutual funds. 

SchemeEstimated annualised return rateRisk factorRatingFundsize(Rupees) 
SBI Magnum COMMA Fund26.29%High4- Star11.49 Lakh
Tata Ethical Fund24.55%Moderately High5 - Star11.02 Lakh
Franklin India Opportunities Fund21.05%Moderately Low3- Star10.13 Lakh

Comparison of returns from moderate risk hybrid equity oriented funds

A hybrid fund is a combination of bonds and stocks. It is better for those who want to get funds without any loss. 

SchemeEstimated annualised return rateRisk FactorRatingFund size(Rupees) 
SBI Equity Hybrid Fund15.25%Very Risk4-Star47,738.12 Cr
Mirae Asset Hybrid Equity Fund15.46%Very Risk4-Star6,229.43Cr
ICICI Prudential Balanced Advantage Fund11.65%High5-Star37,011.99Cr

Comparison of returns from low risk hybrid equity oriented funds

It is best for those who are looking for low risk investments with better returns. 

SchemeEstimated annualised return rateRisk factorRatingFund size(Rupees) 
Motilal Oswal Dynamic Fund9.86%Moderately Low3-Star1108.29Cr
ICICI Prudential Advisor Series- Conservative Fund12.51%Moderately high3-Star14,250.79Cr
Kotak Debt Hybrid Fund14.47%Moderately high5-Star1204.12Cr

Returns from hybrid debt oriented funds

Scheme Estimated annualised return rateRisk factorRatingFund size(Rupees)
Sundaram Debt Oriented Hybrid Fund (G)15.34%Moderate 2-star33.77Cr
ICICI Pru MIP 25 (G)10.09%Moderately High5-star3379.82Cr
UTI Regular Savings Fund – Reg (G)13.03%Moderately High3-star1637 Cr
SBI Debt Hybrid Fund12.16Moderately High4-star4683 Cr

Returns from debt funds- six months to a one-year of holding 

SchemeEstimated annualised return rateRisk factorRatingFund size(Rupees)
ICICI Pru Flexible Income Plan (G)7.02%Moderately Low5-star29,810 Cr
Aditya Birla Sun life Floating Rate Fund in long term3.57%Low3-star19,376 Cr
Tata Treasury Advantage Fund3.57%Low to moderate2-star2694 Cr
DHFL Pramerica Ultra Short term 5.64%Moderately low3-star618.04

Returns from low-risk short term debt funds

SchemeEstimated annualised return rateRisk factorRatingFund size(Rupees)
ICICI Short term prudential fund3.68%Low to moderate5-star20583.56 Cr
HDFC Short Term Opportunities Fund 4.21%Low4-star18,982.19 Cr
Aditya Birla Sun life Short Term Fund 3.69%Low5-star10,298 Cr
Axis Banking & PSU Debt Fund 7.78%Moderately low4-star2119.43 Cr

Returns from moderate risk short term debt funds

SchemeEstimated annualised return rateRisk factorRatingFund size(Rupees)
Reliance Medium Term 6.43%Moderate4-star3925 Cr
Aditya Birla Sun Life Short Term- a direct plan 4.39%Moderate5-star10184.14 Cr
IIFL Dynamic Bond Fund7.14%Moderate4-star732.96 Cr
ICICI Prudential Corporate Bond Fund8.04%Moderate5-star19,656 Cr

Returns from moderate risk long term debt funds

SchemeEstimated annualised return rateRisk factorRatingFund size(Rupees)
Aditya Birla Sun life Dynamic Bond Fund in Regular Growth4.56%Moderately High3-star1566 Cr
UTI Dynamic Bond Fund – Regular4.12%Moderately High4-star329.23 Cr
HDFC Medium Term Opportunities Fund 7.99%Moderately High4- star28,622 Cr
Nippon India Banking & PSU Debt Fund8.37Moderate5-star6505 Cr

Returns from high risk long term debt funds

SchemeEstimated annualised return RateRisk factorRatingFund size(Rupees)
UTI Credit Risk Fund – Reg (G)-5.85%Moderately High1-star566 Cr
DSPBR Credit Risk Fund – Reg (G)3.98%High3- star239 Cr
Kotak Medium Term Fund (G)6.66%Moderately High3- star3054 Cr
Aditya Birla Sun life Fund for Medium Term3.43%Very High2-star1565 Cr

FAQs

  1. I would like to invest a large amount in mutual funds. Should I invest now or later?

    You need to understand that timing of the marketplace isn't possible to determine even by experts. Equity has continuously outperformed all different asset classes in the long term and works well towards growing inflation. 

    Equities are unstable in the quick run but can create great and strong wealth in the long run. But in case you don't feel that you have such patience, better make investments thru 1 year Systematic Transfer Plan.
  1. Can one borrow mutual funds?

    Mutual funds can be borrowed only to satisfy the temporary liquidity needs for the motive of repurchase, redemption of units, or charge of interest or dividend to the unitholders, provided that the mutual fund shall now no longer borrow greater than 20% of the net asset of the scheme. The period of this kind of borrowing shall now no longer exceed six months.
  1. What is the mutual fund return Rate? Explain.

    It can be understood as the additional money or interest received by investing in stocks, goods, and other assets in a special period of time.
  1. What is the objective of equity linked savings schemes?

    ELSS, or Equity Linked Savings Scheme, is a form of diversified equity scheme provided by mutual funds in India, with a lock-in duration of 3 years. The objective of ELSS is to provide long-time period capital appreciation and to assist investors to save on income tax.

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