High-Risk High-Reward Mutual Funds: 20-27% CAGR Across Top 5 Picks, 7 Points

Mumbai

Top 5 Mutual Funds for Diwali 2025 with Up to 27% CAGR – Smart Picks for Long-Term Investors | Mutual Funds Delivering ₹68K+ Crore AUM & Robust Returns

1. ICICI Prudential Multi-Asset Fund – Balanced Performer with Strong Diversification

   1. NAV (Oct 2025): ₹799.25

   2. AUM: ₹67,999.63 crore

   3. Returns:

      • 1 Year: 13.14%

      • 3 Years: 26.75% CAGR (80.24% absolute)

      • 5 Years: 25.82% CAGR

      • Since Launch: 20.98% CAGR

   4. Portfolio Allocation:

      • Equity: ~49.8%

      • Debt: ~15.28%

      • Cash & Others: ~21.91%

   5. Minimum Investment: ₹1,000 (Lump Sum) or via SIP

   6. Expense Ratio: ~1.38%

   7. Risk Profile: High

   8. Investment Strategy: Long-term appreciation through asset diversification

2. Canara Robeco Large Cap Fund – Stability with Reliable Blue-Chip Exposure

   1. NAV (Oct 2025): ₹74.90

   2. AUM: ₹16,617.33 crore

   3. Average CAGR: 15.38%

   4. Top Holdings:

      • HDFC Bank: 9.45%

      • ICICI Bank: 8.24%

   5. Allocation: 96.14% in large-cap stocks

   6. Minimum Investment: ₹5,000 (Lump Sum), SIP ₹1,000

   7. Expense Ratio: 0.45%

   8. Risk Profile: Very High

   9. Key Edge: Consistent performance in blue-chip large caps

3. SBI Balanced Advantage Fund – Adaptive Risk Management for Steady Returns

   1. NAV (Oct 2025): ₹15.62

   2. AUM: ₹37,457.25 crore

   3. Returns:

      • 1 Year: 6.09%

      • 3 Years: 14.36% CAGR

      • Absolute Return (3 Years): 53.65%

   4. Expense Ratio: 0.73%

   5. Minimum Investment: ₹500 (SIP), ₹5,000 (Lump Sum)

   6. Exit Load: 1% (for redemptions above 10% within 1 year)

   7. Strategy: Dynamic asset allocation between equity and debt based on market trends

   8. Risk Profile: Very High

4. Nippon India Small Cap Fund – High Growth Potential with Consistent 5-Year Performance

   1. NAV (Oct 2025): ₹169.43

   2. AUM: ₹64,827.61 crore

   3. Returns:

      • 5 Years: 23.13% CAGR

      • Since Inception: 25.26% CAGR

   4. Sector Focus:

      • Industrials: 21.07%

      • Materials: 14.97%

      • Financials: 14.92%

      • Consumer Discretionary: 14.9%

   5. Minimum Investment: ₹5,000 (Lump Sum), ₹100 (SIP)

   6. Expense Ratio: ~1%

   7. Risk Profile: Very High

   8. Ideal For: Aggressive investors seeking high long-term returns

5. Motilal Oswal Midcap Fund – Aggressive Play on India’s Midcap Story

   1. NAV (Oct 2025): ₹120.18

   2. AUM: ₹34,749 crore

   3. Returns:

      • 1 Year: -2.02%

      • 5 Years: 23.79% CAGR

   4. Top Holdings:

      • Dixon Technologies

      • Coforge

      • Persistent Systems

      • One 97 Communications (Paytm)

   5. Expense Ratio: 0.71%

   6. Minimum Recommended Horizon: 3–5 Years

   7. Risk Profile: Very High

   8. Investment Focus: Capitalizing on mid-cap growth through stock selection

6. Comparative Returns Summary (CAGR %)

7. Financial Highlights for Investors

   1. ICICI Prudential Multi-Asset Fund leads with an AUM of nearly ₹68,000 crore.

   2. Nippon India Small Cap and Motilal Oswal Midcap outperform peers with CAGR above 23%.

   3. Canara Robeco Large Cap offers steady growth at ~15% CAGR in blue-chip equities.

   4. SBI Balanced Advantage provides balanced exposure ideal for moderate investors.

   5. All funds start at low SIP entry points from ₹100–₹1,000, encouraging systematic wealth creation.

Disclaimer (The Profit India)
This content is for informational purposes only and should not be taken as investment advice. Mutual fund investments are subject to market risks; investors are advised to consult financial advisors before making any decision. Past performance does not indicate future results.

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