Best Long Term Funds~

One of the best ways to protect and secure your future is to invest and one of the smart ways to invest is over the long term. Best long-term funds are debit/debt funds that mainly invest in long-duration fixed-income securities. Long-term funds choose bonds with a usual maturity time period of above 7 years as per the SEBI instruction.

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Fund Details
Fund Size
NAV
5 Year
7 Year
10 Year
High Growth Fund
Fund Size: 9,928 Cr
9,928 Cr
116.7 -0.60%
27.23% Highest Returns
21.83%
18.4%
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Top 200 Fund
Fund Size: 2,323 Cr
2,323 Cr
178.67 -1.91%
30.78% Highest Returns
22.34%
17.46%
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Accelerator Mid-Cap Fund II
Fund Size: 5,652 Cr
5,652 Cr
83.19 -0.40%
23.59% Highest Returns
13.57%
14.73%
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Opportunities Fund
Fund Size: 37,289 Cr
37,289 Cr
78.13 -0.49%
25% Highest Returns
15.59%
14.71%
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Equity II Fund
Fund Size: 3,556 Cr
3,556 Cr
42.15 -0.33%
19.29% Highest Returns
10.82%
10.2%
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Accelerator Fund
Fund Size: 236 Cr
236 Cr
49.78 -0.39%
23% Highest Returns
15.76%
13.35%
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Grow Money Plus Fund
Fund Size: 440 Cr
440 Cr
68.73 -0.48%
20.42% Highest Returns
14.45%
13.81%
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Multiplier
Fund Size: 4,557 Cr
4,557 Cr
94.84 -0.72%
25.88% Highest Returns
14.93%
15.51%
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Equity Top 250 Fund
Fund Size: 539 Cr
539 Cr
58.41 -0.35%
19.7% Highest Returns
12.68%
11.51%
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Future Apex Fund
Fund Size: 101 Cr
101 Cr
57.71 -0.59%
23.82% Highest Returns
15.92%
13.34%
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Opportunities Fund
Fund Size: 3,368 Cr
3,368 Cr
59.78 -0.48%
22.7% Highest Returns
14.04%
12.36%
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Frontline Equity Fund
Fund Size: 4,348 Cr
4,348 Cr
69.41 -0.54%
23.77% Highest Returns
15.66%
14.08%
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Flexi Growth Fund
Fund Size: 717 Cr
717 Cr
11.82 -0.09%
-
-
-
Get Details
Virtue II
Fund Size: 3,248 Cr
3,248 Cr
70.77 -0.67%
24.25% Highest Returns
17.4%
15.09%
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Pension Dynamic Equity Fund
Fund Size: 6 Cr
6 Cr
73.66 -0.52%
18.95% Highest Returns
12.06%
10.83%
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Equity Fund
Fund Size: 78,278 Cr
78,278 Cr
206.47 -1.88%
19.71% Highest Returns
13.04%
11.79%
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Blue-Chip Equity Fund
Fund Size: 1,335 Cr
1,335 Cr
35.21 -0.21%
16.68% Highest Returns
11.12%
10.16%
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Best ULIP Funds - Consider the best performing ULIP funds to invest in 2025 with Policybazaar. Find the list of best ULIP funds in India on the basis of Returns, Latest Nav, Fund Size and Categories

Data source : value research

Returns as on 04-07-2025. The returns are the returns of best-performing fund in the plan

Disclaimer :
˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

Read on to know more about the best long term funds in detail: 

Long Term Funds – A Brief Overview 

Long term funds are typically open-ended investment funds that mainly invest in corporate and government bonds with a longer outstanding maturity time period. They have good potential and the ability to offer high returns. The returns are generated from the capital appreciation and interest income from the securities in the portfolio. Though, these types of funds are very volatile in nature and come with a high amount of risks. 

The fund managers of a long term funds choose bonds with a tenure of above 7 years. This could provide a higher return when compared with medium-term funds in a decreasing rate of interest situation. These long term funds usually provide excellent dividends to an investor. If you are ready to take a high risk to receive better returns, then you can select such a fund. 

Investment in Long Term Funds 

Long term funds invest in a fusion of government and corporate bonds of a longer tenure. It could also capitalize on money market instruments. As discussed, long term funds are more volatile in comparison to short-tenure debt funds, which mainly focus on the coupon income. The interest income is increased by capital profits to provide a better return when compared to debt funds. When you opt for such long term funds, you will be required to thoroughly and actively review the funds’ performance from time to time. Let’s discuss about such funds in detail: 

  1. Who Should Invest in Long Term Funds? 

    • You should think through investing in long term funds if you are prepared to stand short-term volatility and also stay invested for a long time. It can offer you a good return in comparison to most of the debt funds because it capitalizes on bonds of a longer term. 

    • You can also invest in long term funds if you are ready to face the risk of unstable or fluctuating rates of interest for a good return. 

    • You may also consider investing in these funds for a period of 3 to 5 years as it may support you fulfill medium-tenure financial objectives

  2. Who issues Long Duration funds? 

    ACMs i.e., Asset Management companies or fund houses issue investment funds. All the ACMs are required to be approved by the (SEBI) Securities and Exchange Board of India. 

  3. When Should I invest in Long Term Funds? 

    This is quite circumstantial. If you want to invest directly in stocks, then in such cases you choose equity funds. Whereas in case, if you wish to lower your tax outlay of money compared to a recurring or fixed deposit with good returns, then you can select debt funds. 

    Before investing in any funds, you should be clear about your requirements so that you can make the right decision regarding investment funds. 

Taxability of Best Long Term Funds~

Long term funds are taxed in the same manner as debt funds or capitals. The short-tenure capital profits after an allotment time of less than 36 months are supplemented with your taxable income. This is taxed on the basis of your income tax slab. And, the long-term capital gains after the allotment time of 36 months or above, are taxed at the rate of 20 percent along with the indexation benefit. This benefit helps in inflating the buying charge of the long term bonds to modify for inflation. You might be required to pay taxes based on the slab of your income tax. And you may receive a tax-efficient income in comparison to bank FDs if you fall in the high-income tax slabs. 

Points to Consider Before Investing in Long Term Funds 

  • Investment goals: You may capitalize on long term funds only if you remain invested for a long time. It might help you fulfill medium-tenure financial objectives. 

  • Risk profile: The long term funds possess more risk than debt funds. These funds mainly invest in bonds of a longer term, which makes them susceptible to a rate of interest fluctuations. 

  • Time Period: You should always think of investing in long term funds with a time period of 3 to 5 years 

  • Better Returns: Long term funds also provide a good return amount as compared to medium-term funds. It capitalizes on bonds of a long outstanding maturity and possibly will produce more returns during reduced interest rate events. 

  • Expense ratio: Always consider checking out the expense ratio of the long term funds. More expense ratios may consume into the fund return. 

Benefits of Investing in Best Long Term Funds~

Following are the advantages of investing in the best long term funds: 

  • You may get a good return as compared to various debt funds 

  • It provides a higher return in comparison to Bank FDs. It also offers a higher tax-effective return for financiers in the higher slabs of income tax 

  • Investing in these types of funds is a smart option to fulfill medium duration goals 

  • You can also consider varying the portfolio with long term funds. It provides stability and security against the unpredictability of the stock industry. 

At Last!

A long term investment fund makes a lot of significance in your portfolio. It is important for long-duration wealth creation. When you plan for your life objectives such as retirement child’s education, marriage, buying a house, etc., long term plans help in fulfilling all these goals.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
Tax benefit is subject to changes in tax laws
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

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