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.

Read more
Best ULIP Plans
  • Guaranteed Tax Savings

    Guaranteed Tax Savings

    Under sec 80C & 10(10D)
  • savings

    ₹1 Crore

    Invest ₹10k Per Month*
  • Zero LTCG Tax

    Zero LTCG Tax

    Unlike 10% in Mutual Funds

Top performing plans with High Returns*

Invest ₹10K/month & Get ₹1 Crore returns*

+91
Secure
We don't spam
View Plans
Please wait. We Are Processing..
Your personal information is secure with us
Plans available only for people of Indian origin By clicking on "View Plans" you agree to our Privacy Policy and Terms of use #For a 55 year on investment of 20Lacs #Discount offered by insurance company
Get Updates on WhatsApp
We are rated~
rating
6.7 Crore
Registered Consumers
51
Insurance Partners
3.4 Crore
Policies Sold
Large Cap
Mid Cap
Balanced
Debt
Fund Details
Fund Size
NAV
5 Year
7 Year
10 Year
Top 200 Fund
Fund Size: 1,259 Cr
1,259 Cr
130.92 -0.08%
24.81% Highest Returns
21.74%
20.25%
Get Details
Virtue II
Fund Size: 2,155 Cr
2,155 Cr
55.06 -0.10%
19.25% Highest Returns
18.11%
17.26%
Get Details
Pure Equity
Fund Size: 1,804 Cr
1,804 Cr
57.44 0.05%
15.93%
15.32%
16.8% Highest Returns
Get Details
Super Select Equity Fund
Fund Size: 1,129 Cr
1,129 Cr
63.4 0.03%
15.56%
15.97%
16.78% Highest Returns
Get Details
Growth Opportunities Plus Fund
Fund Size: 808 Cr
808 Cr
55.73 0.00%
16.31%
16.3%
16.73% Highest Returns
Get Details
Growth Fund
Fund Size: 5,900 Cr
5,900 Cr
17.47 0.00%
-
-
16.17% Highest Returns
Get Details
Pure Stock Fund
Fund Size: 5,250 Cr
5,250 Cr
118.08 0.32%
14.52%
14.7%
16.16% Highest Returns
Get Details
Large Cap Equity Fund
Fund Size: 2,121 Cr
2,121 Cr
56.38 0.15%
18.68% Highest Returns
17.61%
15.99%
Get Details
Grow Money Plus Fund
Fund Size: 355 Cr
355 Cr
53 0.08%
15.3%
15.82% Highest Returns
15.78%
Get Details
Build India Fund
Fund Size: 32 Cr
32 Cr
47.98 0.08%
14.41%
15.08%
15.53% Highest Returns
Get Details
Whole Life Aggressive Growth Fund
Fund Size: 667 Cr
667 Cr
71.15 -0.03%
16.35% Highest Returns
15.49%
15.44%
Get Details
Frontline Equity Fund
Fund Size: 2,317 Cr
2,317 Cr
51.82 0.11%
16.3% Highest Returns
15.17%
15.41%
Get Details
Equity Top 250 Fund
Fund Size: 474 Cr
474 Cr
46.13 0.03%
13.9%
13.3%
14.62% Highest Returns
Get Details
Equity Growth Fund II
Fund Size: 4,298 Cr
4,298 Cr
58.61 0.10%
13.3%
13.97%
14.56% Highest Returns
Get Details
Top 50 Fund
Fund Size: 213 Cr
213 Cr
73.59 0.05%
15.8%
15.83% Highest Returns
14.39%
Get Details
Blue Chip Fund
Fund Size: 7,834 Cr
7,834 Cr
39.95 0.10%
13.28%
13.5%
14.12% Highest Returns
Get Details
Value & Momentum
Fund Size: 609 Cr
609 Cr
37.39 -0.04%
12.73%
10.13%
13.98% Highest Returns
Get Details
Future Apex Fund
Fund Size: 75 Cr
75 Cr
43.72 0.04%
16.5% Highest Returns
14.95%
13.96%
Get Details
Accelerator Fund
Fund Size: 196 Cr
196 Cr
36.71 0.06%
15.62% Highest Returns
14.92%
13.95%
Get Details
Maximiser
Fund Size: 2,523 Cr
2,523 Cr
53.13 0.08%
13.91%
13.93% Highest Returns
13.68%
Get Details
Enhancer Fund-II
Fund Size: 750 Cr
750 Cr
44.5 0.07%
13.04%
13.49% Highest Returns
13.49% Highest Returns
Get Details
Growth Super Fund
Fund Size: 11,900 Cr
11,900 Cr
62.57 0.02%
13.34%
14.05% Highest Returns
13.31%
Get Details
Super 20
Fund Size: 1,712 Cr
1,712 Cr
52.83 0.13%
13.9%
14.3% Highest Returns
13.16%
Get Details
Multi Cap Growth Fund
Fund Size: 17,275 Cr
17,275 Cr
41.82 0.00%
11.58%
10.96%
13.13% Highest Returns
Get Details
Equity Large Cap Fund
Fund Size: 452 Cr
452 Cr
45.24 0.09%
12.74%
12.38%
12.99% Highest Returns
Get Details
Equity Fund
Fund Size: 52,487 Cr
52,487 Cr
157.57 0.35%
12.92%
13.01% Highest Returns
12.97%
Get Details
Bluechip Fund
Fund Size: 4,000 Cr
4,000 Cr
37.01 0.06%
13.13% Highest Returns
12.58%
12.79%
Get Details
Magnifier
Fund Size: 1,135 Cr
1,135 Cr
99.08 0.14%
12.44%
12.66%
12.74% Highest Returns
Get Details
Future Opportunity Fund
Fund Size: 62 Cr
62 Cr
33.98 0.04%
15.1% Highest Returns
13.83%
12.74%
Get Details
Bluechip Equity Fund
Fund Size: 921 Cr
921 Cr
35.62 0.07%
14.33%
14.36% Highest Returns
12.66%
Get Details
Maximiser Fund V
Fund Size: 50,508 Cr
50,508 Cr
42.47 0.07%
12.99% Highest Returns
12.25%
12.24%
Get Details
Future Maximize Fund
Fund Size: 83 Cr
83 Cr
44.1 0.04%
13.62% Highest Returns
12.5%
11.91%
Get Details
Equity II Fund
Fund Size: 3,029 Cr
3,029 Cr
32.9 0.07%
11.04%
11.22%
11.37% Highest Returns
Get Details
Growth Plus Fund
Fund Size: 516 Cr
516 Cr
29.19 0.05%
11%
10.83%
11.18% Highest Returns
Get Details
See more funds
Fund Details
Fund Size
NAV
5 Year
7 Year
10 Year
Whole Life Mid Cap Equity Fund
Fund Size: 10,158 Cr
10,158 Cr
112.98 -0.23%
20.95%
18.38%
21.46% Highest Returns
Get Details
Multiplier
Fund Size: 3,446 Cr
3,446 Cr
73.07 -0.09%
17.1%
15.82%
19.88% Highest Returns
Get Details
Midcap Fund
Fund Size: 1,038 Cr
1,038 Cr
68.14 -0.01%
18.46%
16.1%
19.85% Highest Returns
Get Details
Opportunities Fund
Fund Size: 31,393 Cr
31,393 Cr
57.85 0.06%
16.37%
14.93%
18.59% Highest Returns
Get Details
Accelerator Mid-Cap Fund II
Fund Size: 5,017 Cr
5,017 Cr
63.22 0.08%
14.53%
14.42%
18.46% Highest Returns
Get Details
High Growth Fund
Fund Size: 3,654 Cr
3,654 Cr
79.86 -0.20%
23.19% Highest Returns
20.33%
18.37%
Get Details
Classic Opportunities Fund
Fund Size: 10,627 Cr
10,627 Cr
52.71 0.06%
14.85%
13.96%
15.08% Highest Returns
Get Details
Opportunity Fund
Fund Size: 2,455 Cr
2,455 Cr
44.92 0.02%
14.25% Highest Returns
13.46%
13.91%
Get Details
Flexi Cap
Fund Size: 1,170 Cr
1,170 Cr
41.04 0.05%
14.09% Highest Returns
13.64%
13.69%
Get Details
Save N Grow Money Fund
Fund Size: 70 Cr
70 Cr
49.69 0.07%
10.08%
9.97%
11.1% Highest Returns
Get Details
See more funds
Fund Details
Fund Size
NAV
5 Year
7 Year
10 Year
Whole Life Stable Growth Fund
Fund Size: 210 Cr
210 Cr
50.47 0.01%
13.39% Highest Returns
12.14%
12.58%
Get Details
Balanced Fund
Fund Size: 1,474 Cr
1,474 Cr
15.17 0.00%
-
-
11.85% Highest Returns
Get Details
Creator
Fund Size: 500 Cr
500 Cr
84.37 0.12%
10.2%
9.82%
10.92% Highest Returns
Get Details
Multi Cap Balanced Fund
Fund Size: 2,037 Cr
2,037 Cr
34.46 0.02%
9.56%
9.01%
10.59% Highest Returns
Get Details
Balancer II
Fund Size: 719 Cr
719 Cr
32.1 0.03%
10.6% Highest Returns
9.86%
10.45%
Get Details
Managed Fund
Fund Size: 41 Cr
41 Cr
32.41 0.02%
9.43%
8.73%
10.33% Highest Returns
Get Details
Stable Fund
Fund Size: 20 Cr
20 Cr
27.74 0.05%
10.1% Highest Returns
9.89%
10.06%
Get Details
Balanced Plus Fund
Fund Size: 2,090 Cr
2,090 Cr
26.93 0.04%
9.47%
8.69%
9.59% Highest Returns
Get Details
Future Balance Fund
Fund Size: 67 Cr
67 Cr
33.31 0.04%
9.75% Highest Returns
9.03%
9.44%
Get Details
Balanced Fund-II
Fund Size: 141 Cr
141 Cr
30.39 0.04%
8.89%
8.3%
9.42% Highest Returns
Get Details
Enhancer
Fund Size: 5,917 Cr
5,917 Cr
91.88 0.11%
8.4%
7.78%
8.92% Highest Returns
Get Details
Cautious Asset Allocator Fund
Fund Size: 40 Cr
40 Cr
30.31 0.03%
6.85%
6.05%
7.62% Highest Returns
Get Details
See more funds
Fund Details
Fund Size
NAV
5 Year
7 Year
10 Year
Pure Fund
Fund Size: 411 Cr
411 Cr
39.2 0.04%
13.87%
13.62%
15.31% Highest Returns
Get Details
Builder
Fund Size: 242 Cr
242 Cr
79.8 0.09%
8.11%
7.45%
9.18% Highest Returns
Get Details
Secured Fund
Fund Size: 532 Cr
532 Cr
13.81 0.00%
9.05% Highest Returns
9.05% Highest Returns
9.05% Highest Returns
Get Details
Whole Life Income Fund
Fund Size: 776 Cr
776 Cr
34.92 0.05%
7.31%
6.39%
8.3% Highest Returns
Get Details
Protector
Fund Size: 289 Cr
289 Cr
58.15 0.07%
7.16%
6.43%
8.1% Highest Returns
Get Details
Debt Fund
Fund Size: 446 Cr
446 Cr
33.25 0.04%
7.77%
6.27%
8.1% Highest Returns
Get Details
Dynamic Gilt Fund
Fund Size: 205 Cr
205 Cr
41.17 0.06%
6.84%
5.82%
8.03% Highest Returns
Get Details
Steady Money Fund
Fund Size: 70 Cr
70 Cr
35.29 0.05%
6.76%
5.89%
7.87% Highest Returns
Get Details
Dynamic Bond Fund
Fund Size: 1,481 Cr
1,481 Cr
44.64 0.06%
7.01%
5.87%
7.87% Highest Returns
Get Details
Income Advantage
Fund Size: 794 Cr
794 Cr
36.12 0.06%
7.22%
6.12%
7.85% Highest Returns
Get Details
Bond Fund
Fund Size: 109 Cr
109 Cr
25.63 0.00%
6.76%
6.44%
7.7% Highest Returns
Get Details
Income Fund
Fund Size: 9,315 Cr
9,315 Cr
28.13 0.03%
6.59%
5.87%
7.63% Highest Returns
Get Details
Secure Fund
Fund Size: 1,002 Cr
1,002 Cr
40.39 0.05%
6.75%
5.62%
7.57% Highest Returns
Get Details
Preserver II
Fund Size: 78 Cr
78 Cr
25.49 0.02%
6.47%
5.28%
7.14% Highest Returns
Get Details
Future Income Fund
Fund Size: 86 Cr
86 Cr
32.56 0.05%
5.72%
4.81%
7.13% Highest Returns
Get Details
Assure
Fund Size: 265 Cr
265 Cr
41.06 0.02%
6.37%
6.27%
7.09% Highest Returns
Get Details
Protector II
Fund Size: 755 Cr
755 Cr
26.03 0.03%
6.08%
5.09%
7.02% Highest Returns
Get Details
Whole Life Short-Term Fixed Income Fund
Fund Size: 234 Cr
234 Cr
31.19 0.00%
5.98%
5.9%
6.84% Highest Returns
Get Details
Money Market Fund
Fund Size: 387 Cr
387 Cr
31.43 -0.02%
5.13%
5.51%
6.4% Highest Returns
Get Details
Bond Fund-II
Fund Size: 101 Cr
101 Cr
24.44 0.02%
4.77%
3.9%
6.32% Highest Returns
Get Details
Dynamic Floating Rate Fund
Fund Size: 21 Cr
21 Cr
34.41 -0.01%
5.16%
5.04%
6.24% Highest Returns
Get Details
Liquid Plus
Fund Size: 243 Cr
243 Cr
20.79 -0.01%
5.06%
5.49%
6.24% Highest Returns
Get Details
Liquid Fund
Fund Size: 71 Cr
71 Cr
71.82 -0.03%
4.4%
4.73%
5.64% Highest Returns
Get Details
Safe Money Fund
Fund Size: 60 Cr
60 Cr
22.5 -0.01%
4.04%
4.45%
5.36% Highest Returns
Get Details
See more funds
grow your wealth

Grow Your Wealth!

Best ULIP Funds - Consider the best performing ULIP funds to invest in 2023 with Policybazaar. Find the list of best ULIP funds in India on the basis of Returns, Latest Nav, Fund Size and Categories

Why we need your mobile number?
We need it to confirm more details about you and advise accordingly. Our licensed experts work for you, not the insurance companies, so their advice is entirely unbiased
— No sales pitches here

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

top
  • Zero% commission
  • No hidden charges
  • Expert Advice
  • 100% calls recorded
Invest ₹10k/month Get ₹1Cr
Tax free on maturity*
Mobile +91
*T&C Applied.
Close
Download the Policybazaar app
to manage all your insurance needs.
INSTALL