Investment Strategies for Major Mutual Funds
In the dynamic world of investment, the performance of mutual funds plays a crucial role in shaping the investment landscape. As of July 2025, the large cap funds in India have demonstrated impressive returns, making them an attractive choice for long-term investors.
The Nippon India Large Cap Fund stands out among its peers, boasting a 5-year return of 25.46%, a strong 6-month SIP return of 33.71%, and a 10-year CAGR of 15.36%. The Motilal Oswal Large Cap Fund leads in the short term with a 6-month SIP return of 38.40%.
ICICI Prudential and HDFC Large Cap Funds also show strong performances, with 5-year returns above 22% and 10-year returns around 15% for ICICI Prudential. The Canara Robeco Large Cap Fund and Mirae Asset Large Cap Fund also deliver steady returns, with 10-year CAGRs of 15.28% and 14.41% respectively.
These funds invest at least 80% in the top 100 large-cap companies, offering stable and less volatile growth suitable for long-term investors seeking consistent performance. In comparison, the Nifty 100 TRI, a benchmark index, delivered a 10-year CAGR of about 13.3%.
For those looking to start investing in large cap funds, the good news is that you do not need a significant amount of money. Systematic Investment Plans (SIPs) allow you to start with as little as ₹500 per month.
Investing in large-cap mutual funds is a straightforward process. You can register online, choose the desired fund, select the investment amount and mode (SIP or lump sum), provide your KYC details, and complete the investment.
It is essential to note that while large cap funds offer relatively safer forms of equity investments, they are still subject to market risks. Gains from Large-cap equity mutual funds that are held for more than 12 months fall under a tax bracket of 10%. However, the gains up to ₹1 lakh are completely tax-exempted. When they are invested for less than 1 year, the tax stands at 15%.
Large cap funds have several advantages, including being invested in companies with a history of performing well, serving as a steady investment option, and being suitable for investors who want to balance risk and return. However, they are not tax-free.
In conclusion, the top performing large cap funds in India for July 2025 offer attractive returns and stable growth, making them an appealing choice for long-term investors. With the ease of online investment and the potential for steady returns, large cap funds provide a solid option for those looking to grow their wealth over time.
Capital gains from Large-cap equity mutual funds, held for more than 12 months, are taxed at 10%, while the gains up to ₹1 lakh are exempt. Equity funds like the Nippon India Large Cap Fund and the Motilal Oswal Large Cap Fund have demonstrated impressive returns, making them suitable options for long-term investors who want to balance risk and return.
