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
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: 1,663 Cr
1,663 Cr
153.69 -0.15%
27.01% Highest Returns
21.57%
20.76%
Get Details
Virtue II
Fund Size: 2,894 Cr
2,894 Cr
67.01 -0.36%
22.83% Highest Returns
18.67%
18.66%
Get Details
Pure Equity
Fund Size: 2,337 Cr
2,337 Cr
69.86 -0.37%
19.4% Highest Returns
15.57%
17.94%
Get Details
Growth Opportunities Plus Fund
Fund Size: 961 Cr
961 Cr
65.68 -0.16%
18.65% Highest Returns
16.03%
17.15%
Get Details
Pure Stock Fund
Fund Size: 6,464 Cr
6,464 Cr
138.5 -0.32%
17.41% Highest Returns
14.78%
16.85%
Get Details
Super Select Equity Fund
Fund Size: 1,245 Cr
1,245 Cr
70.36 -0.56%
17.02% Highest Returns
14.04%
16.63%
Get Details
Large Cap Equity Fund
Fund Size: 2,544 Cr
2,544 Cr
65.77 0.15%
20.44% Highest Returns
17.97%
16.55%
Get Details
Frontline Equity Fund
Fund Size: 3,212 Cr
3,212 Cr
60.72 -0.18%
18.19% Highest Returns
15.31%
16.23%
Get Details
Grow Money Plus Fund
Fund Size: 425 Cr
425 Cr
62.1 -0.19%
17.35% Highest Returns
15.65%
16.22%
Get Details
Whole Life Aggressive Growth Fund
Fund Size: 755 Cr
755 Cr
80.97 0.03%
17.92% Highest Returns
15.7%
15.89%
Get Details
Build India Fund
Fund Size: 39 Cr
39 Cr
55.72 -0.13%
16.28% Highest Returns
14.7%
15.84%
Get Details
Equity Top 250 Fund
Fund Size: 551 Cr
551 Cr
53.6 -0.27%
15.62% Highest Returns
12.75%
15.02%
Get Details
Top 50 Fund
Fund Size: 274 Cr
274 Cr
86.27 0.10%
17.69% Highest Returns
16.06%
14.99%
Get Details
Accelerator Fund
Fund Size: 230 Cr
230 Cr
43.22 -0.01%
17.9% Highest Returns
15.36%
14.69%
Get Details
Equity Growth Fund II
Fund Size: 4,836 Cr
4,836 Cr
65.96 -0.09%
14.63% Highest Returns
13.48%
14.56%
Get Details
Future Apex Fund
Fund Size: 83 Cr
83 Cr
50.64 -0.15%
17.88% Highest Returns
14.87%
14.53%
Get Details
Blue Chip Fund
Fund Size: 8,677 Cr
8,677 Cr
45.6 -0.11%
14.55% Highest Returns
13.39%
14.23%
Get Details
Maximiser
Fund Size: 2,892 Cr
2,892 Cr
61.83 -0.36%
15.66% Highest Returns
13.76%
14.12%
Get Details
Growth Super Fund
Fund Size: 13,759 Cr
13,759 Cr
72.85 -0.23%
15.04% Highest Returns
14.08%
14.01%
Get Details
Multi Cap Growth Fund
Fund Size: 19,028 Cr
19,028 Cr
48.03 -0.21%
13.61% Highest Returns
10.62%
13.57%
Get Details
Value & Momentum
Fund Size: 664 Cr
664 Cr
43.59 -0.30%
15.44% Highest Returns
9.28%
13.55%
Get Details
Enhancer Fund-II
Fund Size: 898 Cr
898 Cr
50.99 -0.10%
14.44% Highest Returns
13.07%
13.54%
Get Details
Equity Fund
Fund Size: 66,368 Cr
66,368 Cr
182.78 -0.58%
14.63% Highest Returns
13.09%
13.5%
Get Details
Equity Large Cap Fund
Fund Size: 493 Cr
493 Cr
51.3 -0.09%
13.78% Highest Returns
11.9%
13.29%
Get Details
Super 20
Fund Size: 1,956 Cr
1,956 Cr
59.23 -0.33%
14.88% Highest Returns
13.7%
13.22%
Get Details
Bluechip Equity Fund
Fund Size: 1,074 Cr
1,074 Cr
40.8 -0.10%
15.95% Highest Returns
14.41%
13.18%
Get Details
Future Opportunity Fund
Fund Size: 71 Cr
71 Cr
39.01 -0.11%
16.37% Highest Returns
13.64%
13.17%
Get Details
Magnifier
Fund Size: 1,261 Cr
1,261 Cr
112.76 -0.62%
13.99% Highest Returns
12.34%
13.06%
Get Details
Bluechip Fund
Fund Size: 4,456 Cr
4,456 Cr
41.54 -0.09%
14.06% Highest Returns
12.38%
13.06%
Get Details
Maximiser Fund V
Fund Size: 55,624 Cr
55,624 Cr
48.67 -0.15%
14.56% Highest Returns
12.38%
12.64%
Get Details
Future Maximize Fund
Fund Size: 89 Cr
89 Cr
49.65 -0.11%
14.62% Highest Returns
12.27%
12.18%
Get Details
Equity II Fund
Fund Size: 3,400 Cr
3,400 Cr
37.57 -0.08%
12.31% Highest Returns
10.82%
11.69%
Get Details
Growth Plus Fund
Fund Size: 552 Cr
552 Cr
33.04 -0.05%
12.36% Highest Returns
10.62%
11.56%
Get Details
Blue-Chip Equity Fund
Fund Size: 1,081 Cr
1,081 Cr
32.13 -0.05%
12.22% Highest Returns
11.51%
11.45%
Get Details
Growth Fund
Fund Size: 8,706 Cr
8,706 Cr
97.75 -0.13%
11.02% Highest Returns
9.94%
10.47%
Get Details
See more funds
Fund Details
Fund Size
NAV
5 Year
7 Year
10 Year
Whole Life Mid Cap Equity Fund
Fund Size: 11,380 Cr
11,380 Cr
131.37 -0.18%
23.2% Highest Returns
17.19%
21.58%
Get Details
Midcap Fund
Fund Size: 1,340 Cr
1,340 Cr
84.21 -0.42%
23.17% Highest Returns
16.28%
19.65%
Get Details
High Growth Fund
Fund Size: 5,651 Cr
5,651 Cr
96.85 -1.08%
26.75% Highest Returns
20.68%
19.47%
Get Details
Multiplier
Fund Size: 4,058 Cr
4,058 Cr
85.95 -0.33%
19.28% Highest Returns
15.25%
19.28% Highest Returns
Get Details
Accelerator Mid-Cap Fund II
Fund Size: 5,938 Cr
5,938 Cr
76.91 -0.31%
18.51%
14.42%
18.52% Highest Returns
Get Details
Opportunities Fund
Fund Size: 35,583 Cr
35,583 Cr
67.26 -0.49%
18.81% Highest Returns
14.15%
18.1%
Get Details
Classic Opportunities Fund
Fund Size: 12,743 Cr
12,743 Cr
61.44 -0.24%
16.67% Highest Returns
13.76%
15.69%
Get Details
Opportunity Fund
Fund Size: 2,999 Cr
2,999 Cr
51.89 -0.19%
15.73% Highest Returns
13.51%
14.59%
Get Details
Flexi Cap
Fund Size: 1,350 Cr
1,350 Cr
49.04 -0.08%
16.42% Highest Returns
14.04%
14.47%
Get Details
Save N Grow Money Fund
Fund Size: 67 Cr
67 Cr
54.37 -0.06%
10.77%
10.26%
11.21% 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: 241 Cr
241 Cr
55.5 0.03%
14.47% Highest Returns
12.6%
12.81%
Get Details
Balanced Fund
Fund Size: 344 Cr
344 Cr
43.03 -0.07%
12.53% Highest Returns
11.01%
12.17%
Get Details
Creator
Fund Size: 523 Cr
523 Cr
92.16 -0.28%
10.83%
9.9%
11.04% Highest Returns
Get Details
Balancer II
Fund Size: 836 Cr
836 Cr
36.15 -0.04%
11.91% Highest Returns
10.59%
11.02%
Get Details
Stable Fund
Fund Size: 21 Cr
21 Cr
31.95 -0.02%
11.77% Highest Returns
10.9%
10.81%
Get Details
Multi Cap Balanced Fund
Fund Size: 2,107 Cr
2,107 Cr
37.89 -0.09%
10.63%
8.95%
10.75% Highest Returns
Get Details
Managed Fund
Fund Size: 41 Cr
41 Cr
34.67 -0.06%
9.54%
8.76%
10.39% Highest Returns
Get Details
Balanced Plus Fund
Fund Size: 2,129 Cr
2,129 Cr
29.53 -0.03%
10.27% Highest Returns
8.88%
9.81%
Get Details
Future Balance Fund
Fund Size: 70 Cr
70 Cr
36.35 -0.05%
10.33% Highest Returns
9.13%
9.6%
Get Details
Balanced Fund-II
Fund Size: 141 Cr
141 Cr
32.83 -0.02%
9.63% Highest Returns
8.54%
9.47%
Get Details
Enhancer
Fund Size: 6,003 Cr
6,003 Cr
98.01 -0.18%
8.72%
7.98%
9% Highest Returns
Get Details
Cautious Asset Allocator Fund
Fund Size: 36 Cr
36 Cr
31.54 -0.03%
6.81%
6.38%
7.5% Highest Returns
Get Details
See more funds
Fund Details
Fund Size
NAV
5 Year
7 Year
10 Year
Pure Fund
Fund Size: 487 Cr
487 Cr
46.68 -0.34%
16.57% Highest Returns
13.04%
16.12%
Get Details
Builder
Fund Size: 243 Cr
243 Cr
84.35 -0.09%
8.16%
7.75%
9.18% Highest Returns
Get Details
Whole Life Income Fund
Fund Size: 777 Cr
777 Cr
36.29 0.02%
7.26%
7.04%
8.29% Highest Returns
Get Details
Protector
Fund Size: 305 Cr
305 Cr
60.81 -0.03%
7.06%
6.82%
8.07% Highest Returns
Get Details
Debt Fund
Fund Size: 466 Cr
466 Cr
34.38 0.02%
7.46%
6.88%
8.05% Highest Returns
Get Details
Dynamic Gilt Fund
Fund Size: 202 Cr
202 Cr
42.65 0.04%
6.54%
6.53%
8.04% Highest Returns
Get Details
Income Advantage
Fund Size: 832 Cr
832 Cr
37.54 0.02%
7.08%
6.85%
7.87% Highest Returns
Get Details
Steady Money Fund
Fund Size: 75 Cr
75 Cr
36.62 0.02%
6.62%
6.37%
7.83% Highest Returns
Get Details
Dynamic Bond Fund
Fund Size: 1,433 Cr
1,433 Cr
46.17 0.04%
6.66%
6.44%
7.78% Highest Returns
Get Details
Bond Fund
Fund Size: 22,648 Cr
22,648 Cr
44.62 0.03%
6.54%
6.22%
7.59% Highest Returns
Get Details
Income Fund
Fund Size: 9,034 Cr
9,034 Cr
29.08 0.01%
6.38%
6.31%
7.59% Highest Returns
Get Details
Secure Fund
Fund Size: 1,021 Cr
1,021 Cr
41.8 0.02%
6.59%
6.18%
7.53% Highest Returns
Get Details
Preserver II
Fund Size: 80 Cr
80 Cr
26.41 0.01%
6.5%
6.06%
7.21% Highest Returns
Get Details
Assure
Fund Size: 279 Cr
279 Cr
42.26 -0.01%
6.14%
6.38%
6.96% Highest Returns
Get Details
Protector II
Fund Size: 774 Cr
774 Cr
26.92 0.02%
6.03%
5.64%
6.96% Highest Returns
Get Details
Future Income Fund
Fund Size: 83 Cr
83 Cr
33.6 0.03%
5.52%
5.36%
6.92% Highest Returns
Get Details
Whole Life Short-Term Fixed Income Fund
Fund Size: 234 Cr
234 Cr
32.13 -0.01%
5.8%
6.05%
6.76% Highest Returns
Get Details
Money Market Fund
Fund Size: 394 Cr
394 Cr
32.36 0.00%
5.1%
5.52%
6.35% Highest Returns
Get Details
Bond Fund-II
Fund Size: 72 Cr
72 Cr
25.17 0.01%
4.81%
4.45%
6.2% Highest Returns
Get Details
Liquid Plus
Fund Size: 251 Cr
251 Cr
21.38 -0.01%
5%
5.49%
6.14% Highest Returns
Get Details
Dynamic Floating Rate Fund
Fund Size: 20 Cr
20 Cr
35.36 -0.02%
4.97%
5.18%
6.08% Highest Returns
Get Details
Liquid Fund
Fund Size: 72 Cr
72 Cr
73.66 -0.02%
4.39%
4.73%
5.53% Highest Returns
Get Details
Safe Money Fund
Fund Size: 57 Cr
57 Cr
23.05 0.00%
4.06%
4.45%
5.25% 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 2024 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 21-05-2024. The returns are the returns of best-performing fund in the plan

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
^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

Become a Crorepati

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

Mobile +91
*T&C Applied.
Close
Download the Policybazaar app
to manage all your insurance needs.
INSTALL