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 Investment Plans
  • Guaranteed Tax Savings

    Under sec 80C & 10(10D)
  • ₹ 1 Crore

    Invest 10k Per Month*
  • Zero LTCG Tax

    Unlike 10% in Mutual Funds

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Grow Your Wealth !

Best Plans With High Returns Available On One Platform

+91
View Plans
Please wait. We Are Processing..
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 Tax benefit is subject to changes in tax laws
Get Updates on WhatsApp

Top Best Long Term Funds

Fund Name
Fund Size
NAV
5 Year
7 Year
10 Year
Best Long Term Funds Pure Equity
1,120 Cr
43.09 -0.12%
11.46%
15.25%
15.85% Highest Returns
15.85% Highest Returns
View Plan
Best Long Term Funds Super Select Equity Fund
936 Cr
47.67 -0.01%
11.41%
13.07%
15.81% Highest Returns
15.81% Highest Returns
View Plan
Best Long Term Funds Pure Stock Fund
3,970 Cr
89.25 -0.45%
10.93%
14.62%
15.34% Highest Returns
15.34% Highest Returns
View Plan
Best Long Term Funds Large Cap Equity Fund
1,774 Cr
41.01 -0.02%
14.26%
12.08%
14.81% Highest Returns
14.81% Highest Returns
View Plan
Best Long Term Funds Equity Top 250 Fund
419 Cr
35.25 -0.10%
8.69%
12.19%
14.36% Highest Returns
14.36% Highest Returns
View Plan
Best Long Term Funds Equity Growth Fund II
3,713 Cr
46.29 -0.10%
10.77%
12.98%
14.14% Highest Returns
14.14% Highest Returns
View Plan
Best Long Term Funds Whole Life Aggressive Growth Fund
575 Cr
53.34 -0.03%
12.21%
12.14%
13.91% Highest Returns
13.91% Highest Returns
View Plan
Best Long Term Funds Equity Large Cap Fund
438 Cr
36.12 -0.02%
8.84%
12.47%
13.34% Highest Returns
13.34% Highest Returns
View Plan
Best Long Term Funds Blue Chip Fund
7,368 Cr
31.94 -0.03%
10.55%
10.23%
12.97% Highest Returns
12.97% Highest Returns
View Plan
Best Long Term Funds Equity Fund
36,101 Cr
123.73 -0.03%
9.49%
15.5% Highest Returns
12.96%
12.96%
View Plan
Best Long Term Funds Top 50 Fund
132 Cr
53.81 -0.01%
11.44%
13.32% Highest Returns
12.95%
12.95%
View Plan
Best Long Term Funds Future Apex Fund
75 Cr
32.33 -0.07%
11.03%
10.1%
12.71% Highest Returns
12.71% Highest Returns
View Plan
Best Long Term Funds Enhancer Fund-II
638 Cr
35.3 -0.03%
10.08%
9.86%
12.69% Highest Returns
12.69% Highest Returns
View Plan
Best Long Term Funds Super 20
1,424 Cr
42.27 0.04%
11.81%
11.73%
12.68% Highest Returns
12.68% Highest Returns
View Plan
Best Long Term Funds Opportunity Fund
1,890 Cr
33.93 -0.07%
9.4%
8.94%
12.6% Highest Returns
12.6% Highest Returns
View Plan
Best Long Term Funds Maximiser
2,258 Cr
41.76 -0.03%
10.58%
10.08%
12.5% Highest Returns
12.5% Highest Returns
View Plan
Best Long Term Funds Growth Super Fund
10,052 Cr
49.53 -0.11%
10.83%
10.22%
12.47% Highest Returns
12.47% Highest Returns
View Plan
Best Long Term Funds Flexi Cap
1,084 Cr
31.24 -0.08%
9.57%
9.53%
12.33% Highest Returns
12.33% Highest Returns
View Plan
Best Long Term Funds Bluechip Equity Fund
775 Cr
28.22 -0.02%
11.74%
10.14%
12.18% Highest Returns
12.18% Highest Returns
View Plan
Best Long Term Funds Magnifier
1,101 Cr
79.53 -0.05%
9.54%
12.31% Highest Returns
12.01%
12.01%
View Plan
Best Long Term Funds Maximiser Fund V
46,044 Cr
32.56 -0.06%
8.48%
7.56%
11.87% Highest Returns
11.87% Highest Returns
View Plan
Best Long Term Funds Bluechip Fund
3,502 Cr
29.18 -0.05%
9.45%
8.85%
11.57% Highest Returns
11.57% Highest Returns
View Plan
Best Long Term Funds Future Opportunity Fund
58 Cr
25.15 -0.06%
9.57%
8.89%
11.25% Highest Returns
11.25% Highest Returns
View Plan
Best Long Term Funds Future Maximize Fund
89 Cr
33.92 -0.06%
8.83%
8.52%
10.72% Highest Returns
10.72% Highest Returns
View Plan
Best Long Term Funds Value & Momentum
610 Cr
27.83 -0.12%
4.28%
10.46%
10.66% Highest Returns
10.66% Highest Returns
View Plan
Best Long Term Funds Growth Fund
8,322 Cr
74.86 -0.05%
7.69%
11.99% Highest Returns
9.67%
9.67%
View Plan
See more funds
Fund Name
Fund Size
NAV
5 Year
7 Year
10 Year
Best Long Term Funds Whole Life Mid Cap Equity Fund
8,405 Cr
75.75 -0.10%
12.03%
13.99%
19.14% Highest Returns
19.14% Highest Returns
View Plan
Best Long Term Funds Top 200 Fund
623 Cr
86.74 -0.11%
17.31%
17.42% Highest Returns
17.37%
17.37%
View Plan
Best Long Term Funds Multiplier
2,442 Cr
50.01 -0.23%
10.01%
12.11%
16.19% Highest Returns
16.19% Highest Returns
View Plan
Best Long Term Funds Virtue II
1,309 Cr
40.66 -0.27%
15.15%
12.85%
15.77% Highest Returns
15.77% Highest Returns
View Plan
Best Long Term Funds High Growth Fund
1,565 Cr
50.46 -0.10%
13.87%
13.2%
15.42% Highest Returns
15.42% Highest Returns
View Plan
Best Long Term Funds Accelerator Mid-Cap Fund II
4,255 Cr
44.61 -0.10%
8.12%
12.66%
15.23% Highest Returns
15.23% Highest Returns
View Plan
Best Long Term Funds Opportunities Fund
27,193 Cr
41.09 -0.06%
9.16%
12.03%
14.57% Highest Returns
14.57% Highest Returns
View Plan
Best Long Term Funds Multi Cap Growth Fund
17,624 Cr
32.37 0.00%
6.35%
7.72%
11.76% Highest Returns
11.76% Highest Returns
View Plan
Fund Name
Fund Size
NAV
5 Year
7 Year
10 Year
Best Long Term Funds Whole Life Stable Growth Fund
168 Cr
40.61 0.00%
10.23%
10.37%
11.56% Highest Returns
11.56% Highest Returns
View Plan
Best Long Term Funds Balanced Fund
271 Cr
31.57 0.00%
8.39%
9.63%
11.01% Highest Returns
11.01% Highest Returns
View Plan
Best Long Term Funds Save N Grow Money Fund
71 Cr
42.5 -0.01%
8.79%
9.52%
10.73% Highest Returns
10.73% Highest Returns
View Plan
Best Long Term Funds Growth Plus Fund
525 Cr
23.61 -0.01%
7.5%
7.94%
10.51% Highest Returns
10.51% Highest Returns
View Plan
Best Long Term Funds Creator
521 Cr
71.95 -0.01%
8.37%
11.32% Highest Returns
10.46%
10.46%
View Plan
Best Long Term Funds Multi Cap Balanced Fund
2,282 Cr
28.71 0.01%
6.36%
7.3%
10.28% Highest Returns
10.28% Highest Returns
View Plan
Best Long Term Funds Managed Fund
43 Cr
27.86 -0.01%
7.17%
9.86%
10.22% Highest Returns
10.22% Highest Returns
View Plan
Best Long Term Funds Balancer II
577 Cr
26.71 -0.04%
7.89%
8.17%
9.65% Highest Returns
9.65% Highest Returns
View Plan
Best Long Term Funds Stable Fund
22 Cr
23.03 -0.02%
7.77%
7.7%
9.31% Highest Returns
9.31% Highest Returns
View Plan
Best Long Term Funds Balanced Plus Fund
2,298 Cr
22.99 0.01%
6.89%
7.3%
9.11% Highest Returns
9.11% Highest Returns
View Plan
Best Long Term Funds Balanced Fund-II
147 Cr
26.25 0.00%
6.75%
7.57%
8.85% Highest Returns
8.85% Highest Returns
View Plan
Best Long Term Funds Enhancer
6,260 Cr
80.45 0.02%
6.6%
10.3% Highest Returns
8.61%
8.61%
View Plan
Best Long Term Funds Future Balance Fund
65 Cr
27.16 -0.02%
6.35%
6.82%
8.47% Highest Returns
8.47% Highest Returns
View Plan
Best Long Term Funds Cautious Asset Allocator Fund
63 Cr
27.62 0.05%
5.66%
7.84% Highest Returns
7.7%
7.7%
View Plan
See more funds
Fund Name
Fund Size
NAV
5 Year
7 Year
10 Year
Best Long Term Funds Pure Fund
308 Cr
29.88 -0.13%
8.42%
10.23%
13.69% Highest Returns
13.69% Highest Returns
View Plan
Best Long Term Funds Builder
266 Cr
70.9 0.00%
6.83%
9.65% Highest Returns
9.07%
9.07%
View Plan
Best Long Term Funds Whole Life Income Fund
775 Cr
31.95 0.04%
6.64%
7.8%
8.34% Highest Returns
8.34% Highest Returns
View Plan
Best Long Term Funds Bond Fund
105 Cr
23.35 -0.01%
6.32%
8.08% Highest Returns
8.01%
8.01%
View Plan
Best Long Term Funds Protector
332 Cr
52.65 0.00%
6.1%
8.13% Highest Returns
7.97%
7.97%
View Plan
Best Long Term Funds Steady Money Fund
83 Cr
32.37 0.03%
5.87%
7.7%
7.9% Highest Returns
7.9% Highest Returns
View Plan
Best Long Term Funds Debt Fund
402 Cr
30.5 0.03%
6.56%
8.28% Highest Returns
7.88%
7.88%
View Plan
Best Long Term Funds Income Advantage
839 Cr
33.09 0.02%
6.39%
9.03% Highest Returns
7.88%
7.88%
View Plan
Best Long Term Funds Income Fund
10,373 Cr
25.94 0.01%
5.94%
7.21%
7.86% Highest Returns
7.86% Highest Returns
View Plan
Best Long Term Funds Dynamic Bond Fund
1,626 Cr
41.16 0.04%
5.97%
7.83% Highest Returns
7.83% Highest Returns
7.83% Highest Returns
View Plan
Best Long Term Funds Dynamic Gilt Fund
202 Cr
37.74 0.05%
5.86%
7.31%
7.81% Highest Returns
7.81% Highest Returns
View Plan
Best Long Term Funds Secure Fund
920 Cr
36.72 0.04%
5.38%
7.59%
7.8% Highest Returns
7.8% Highest Returns
View Plan
Best Long Term Funds Assure
302 Cr
37.84 0.00%
6.36%
8.25% Highest Returns
7.54%
7.54%
View Plan
Best Long Term Funds Whole Life Short-Term Fixed Income Fund
232 Cr
28.76 0.00%
5.94%
7.07%
7.25% Highest Returns
7.25% Highest Returns
View Plan
Best Long Term Funds Future Income Fund
104 Cr
29.58 0.04%
4.23%
5.9%
7.01% Highest Returns
7.01% Highest Returns
View Plan
Best Long Term Funds Protector II
814 Cr
23.79 0.00%
4.78%
7.17% Highest Returns
6.9%
6.9%
View Plan
Best Long Term Funds Dynamic Floating Rate Fund
23 Cr
31.85 0.00%
4.81%
6.44%
6.89% Highest Returns
6.89% Highest Returns
View Plan
Best Long Term Funds Money Market Fund
3,344 Cr
23.35 -0.01%
5.29%
5.9%
6.78% Highest Returns
6.78% Highest Returns
View Plan
Best Long Term Funds Preserver II
80 Cr
23.22 0.02%
5.2%
6.96% Highest Returns
6.71%
6.71%
View Plan
Best Long Term Funds Liquid Plus
266 Cr
19.2 0.00%
5.25%
6.55%
6.56% Highest Returns
6.56% Highest Returns
View Plan
Best Long Term Funds Bond Fund-II
84 Cr
22.6 0.02%
3.37%
5.34%
6.44% Highest Returns
6.44% Highest Returns
View Plan
Best Long Term Funds Liquid Fund
67 Cr
66.9 -0.01%
4.47%
6.73% Highest Returns
6.08%
6.08%
View Plan
Best Long Term Funds Safe Money Fund
60 Cr
20.95 -0.01%
4.07%
5.87% Highest Returns
5.79%
5.79%
View Plan
See more funds
Fund Name
Fund Size
NAV
5 Year
7 Year
10 Year
Best Long Term Funds Growth Opportunities Plus Fund
583 Cr
43.26 -0.06%
12.95%
12.38%
15.96% Highest Returns
15.96% Highest Returns
View Plan
Best Long Term Funds Midcap Fund
807 Cr
43.09 -0.07%
7.99%
12.4%
15.71% Highest Returns
15.71% Highest Returns
View Plan
Best Long Term Funds Grow Money Plus Fund
276 Cr
41.82 -0.04%
12.74%
12.19%
15.34% Highest Returns
15.34% Highest Returns
View Plan
Best Long Term Funds Build India Fund
29 Cr
37.74 -0.06%
11.77%
11.5%
14.99% Highest Returns
14.99% Highest Returns
View Plan
Best Long Term Funds Frontline Equity Fund
1,363 Cr
38.34 -0.01%
11.14%
11.29%
14.05% Highest Returns
14.05% Highest Returns
View Plan
Best Long Term Funds Classic Opportunities Fund
8,871 Cr
40.26 -0.02%
9.91%
11.72%
13.89% Highest Returns
13.89% Highest Returns
View Plan
Best Long Term Funds Accelerator Fund
184 Cr
27.97 -0.08%
11.41%
10.16%
12.55% Highest Returns
12.55% Highest Returns
View Plan
Best Long Term Funds Equity Growth Fund
1,089 Cr
38 -0.05%
8.51%
9.75%
11.46% Highest Returns
11.46% Highest Returns
View Plan
Best Long Term Funds Equity II Fund
2,805 Cr
26.23 0.01%
7.52%
8.02%
10.79% Highest Returns
10.79% Highest Returns
View Plan
Best Long Term Funds Aggressive Asset Allocator Fund
158 Cr
38.91 -0.01%
9.14%
10.6% Highest Returns
10.22%
10.22%
View Plan
Best Long Term Funds Moderate Asset Allocator Fund
52 Cr
30.73 0.02%
6.54%
8.69% Highest Returns
8.34%
8.34%
View Plan
See more funds
grow your wealth

Grow Your Wealth!

Best ULIP Funds - Consider the best performing ULIP funds to invest in 2022 with Policybazaar. Find the list of best ULIP funds in India on the basis of Returns, Latest Nav, Fund Size and Categories

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.

top
  • Zero% commission
  • No hidden charges
  • One click easy refund
  • 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