Invest in Mutual Funds
at 0% Commission
Open your FREE demat account in minutes! Plan SIPs and lumpsums with our complete calculator suite — direct plans, no commissions, ever.
No Fees Forever!
Plan direct mutual funds at zero cost — for lifetime!
Discover Top Funds
Discover and explore top-rated, consistently-performing mutual funds.
Rich Portfolio Insights
Smart, browser-only insights on every scenario you model — for free.
Manage SIPs like a Pro
Step up SIPs, run goal-based plans, and model rebalances in one place.
Choose From 1500+ Direct Mutual Funds
Explore funds across every asset class — pick a tab to see its sub-categories.
Explore the diverse range of best equity funds available in India's mutual fund market. Pick a category that fits your horizon and risk appetite.
Top Mutual Funds Based on Asset Class
Pick a category to see the top 5 funds (indicative 5-year returns) and jump into the SIP calculator.
Top mutual funds based on asset class
Top 5 Large Cap Funds
- Nippon India Large Cap Fund Direct - Growth18.68%
- ICICI Prudential Large Cap Fund Direct - Growth15.96%
- Invesco India Largecap Fund Direct - Growth15.88%
- HDFC Large Cap Fund Direct - Growth15.01%
- Baroda BNP Paribas Large Cap Fund Direct - Growth14.66%
Large Cap Funds
Large Cap Funds invest in well-established companies with a strong market presence. They offer stability and consistent returns, making them ideal for conservative investors.
Choose from 40+ Mutual Fund AMCs
Pick from a range of funds offered by India's leading mutual fund companies — every major AMC, one window.
Why to Invest in Direct Mutual Funds on Calcly
Earn 1% More
Direct plans skip distributor commissions — typically 0.5–1% lower expense ratio that compounds into a meaningful corpus difference.
High Returns
Equity mutual funds have historically delivered 10–14% CAGR over 10+ year horizons — comfortably ahead of FDs and debt.
40+ AMCs
Every major AMC is on the platform — SBI, HDFC, ICICI, Nippon, Kotak, Axis, Aditya Birla, UTI, Mirae, Quant and more.
1500+ MF Schemes
Across equity, debt, hybrid, ELSS and index — find the scheme that fits your goal, horizon and risk appetite.
Regular vs Direct Mutual Fund
| Aspect | Regular Fund | Direct Fund |
|---|---|---|
| Expense Ratios | Higher expense ratios due to distributor commissions, impacting returns. | Lower expense ratios as there are no intermediaries, maximizing potential gains. |
| Returns | Slightly lower because of higher costs associated with distributor fees. | Typically offer higher returns due to lower fees and costs. |
| Control | Less control over fund selection as choices are guided by advisors. | More control, allowing investors to choose funds independently. |
| Investment Guidance | Offers personalized guidance from advisors, aiding in fund selection. | No advisor assistance; suitable for investors comfortable making decisions independently. |
Advantages of Mutual Fund SIP
Investment Discipline
SIP encourages regular investing, fostering financial discipline and steady wealth creation.
Power of Compounding
By investing consistently, you benefit from the power of compounding over multi-decade horizons.
You Can Start Small
You can start investing with as little as ₹100–₹500 per month — the bar to entry is minimal.
Convenient — At Your Fingertips
SIPs offer convenience, letting you invest effortlessly via auto-debit on a fixed date.
Professional Fund Management
Your SIPs are managed by professional fund managers backed by SEBI-regulated AMCs.
Can be Automated
SIPs can be easily automated via AutoPay or NACH mandate — set it once and forget it.
Benefits of Mutual Fund Investment
Diversification of Investment
Mutual funds spread your investment across many securities, reducing single-stock risk and smoothing volatility.
80C Benefits
ELSS funds offer tax deduction up to ₹1.5 L under Section 80C with the shortest 3-year lock-in among 80C options.
Highly Regulated
Mutual funds are regulated by SEBI, ensuring transparency, periodic disclosures, and investor protection.
Lower Transaction Costs
Investing in mutual funds typically incurs lower transaction costs than building the same diversified basket of stocks yourself.
Liquid Assets
Open-ended funds offer high liquidity — redeem any business day at the day's NAV with T+1 to T+3 settlement.
Invest in Smaller Amounts
Start with as little as ₹100/month — accessible across income brackets.
How to Choose the Best Mutual Funds
Fund Performance
Evaluate the fund's historical 5- and 10-year rolling returns and its Assets Under Management (AUM) to gauge consistency and scale.
AMC Track Record
Consider the track record of the Asset Management Company — their flagship funds, governance and how they performed in past drawdowns.
Fund Managers
Look at the experience and tenure of the fund managers — long tenure with the same scheme is a strong positive signal.
Index Benchmark
Compare the fund's returns against its benchmark — consistent benchmark-beating performance over multiple cycles is what you want.
Mutual Funds — Customized for You
Invest in Mutual Fund in Just 3 Steps!
Choose the fund you want to invest in
Pick a category that fits your goal — equity for growth, debt for stability, hybrid for both.
Analyse the fund performance
Compare 5-year rolling returns, expense ratio, manager tenure and downside in past drawdowns.
Invest via SIP or Lumpsum
Start a monthly SIP from ₹100 or deploy a lumpsum — model both with our calculators first.
Invest in Direct Mutual Funds at 0% Commission
Build your mutual fund portfolio on Calcly without any extra charges. No hidden fees, no AMC charges — for life.
Important Terms Related to Mutual Funds
12 terms every mutual-fund investor should know.
SIPSystematic Investment Plan
A SIP allows you to invest a fixed amount regularly (typically monthly) in a mutual fund. It enforces discipline, averages out your buying price across market cycles, and lets compounding work in your favour over the long run.
Mutual Fund Calculators
Plan SIPs, ELSS tax savings, STPs, SWPs and more. All calculators run in your browser — your inputs persist in the URL, so you can share a scenario with one tap.
Step-Up SIP Calculator
SIP with annual percentage increase — model salary-linked SIP growth.
STP Calculator
Systematic Transfer Plan from a debt fund to an equity fund.
ELSS Calculator
Tax-saving ELSS SIP with Section 80C deduction projection.
Goal SIP Calculator
Reverse SIP calculator — find the SIP needed to hit a future goal.
NAV Calculator
Units bought, current value and gain on a fund holding.
Related calculators
Cross-links into the broader finance suite that pair well with mutual-fund planning.
SIP Calculator
Estimate the future value of monthly mutual-fund SIPs.
Lumpsum Calculator
Compound growth on a one-time mutual-fund investment.
SWP Calculator
Plan a Systematic Withdrawal Plan from a corpus.
Mutual Fund Returns Calculator
Estimate returns across SIP and lumpsum modes.
XIRR Calculator
Annualised return on irregular cash flows.
CAGR Calculator
Compound Annual Growth Rate of an investment.
Frequently asked questions
Invest in Direct Mutual Funds at 0% Commission!
Choose from 1500+ Mutual Funds & build your wealth with Calcly.