4 Best SIPs In Flexi Cap Funds, Offered Upto 105% Return, Rated By Crisil

The first look-out before investing in any SIP is to analyze where is the fund manager investing your money. Before choosing the SIP, you much check the stocks where the fund is investing, portfolio, and AUM of the fund. There are multiple options regarding fund sizes, like a large-cap, small-cap, focussed fund, and flexi-cap, etc. This article will discuss the 4 best flexi-cap SIPs and the benefits of flexi-cap funds.

Benefits of Investing in Flexi cap funds

The most important benefit of investing in flexi-cap funds is it will offer you exposure to a broad equity spectrum. A flexi-cap fund can invest around 65% in equities, but it will have a larger orbit of market capitalization. Hence, the funds can invest in all types of stocks like large-cap, mid-cap, and small-cap, without restrictions or limitations. It is known that large-cap funds are way more secured than other funds because of their steady returns and stable positions. But the small-cap funds generally fetch far better returns, both in the long term and short term, because they are developing companies. So, they will have a good scope of growth. So, a benefit of investing in a flexi-cap fund is it will offer you better security and good returns, rather than, in a focussed-cap fund.

If you are searching for funds where you can invest for at least 3-4 years with good returns, the flexi-cap funds can be ideal. However, there will always be risks involved with any kind of mutual fund/SIP/stock investment. With the movements of equity markets, your funds will perform. The first 2 below-mentioned funds were rated with 4 star, and the last 2 funds were rated with 5 star by rating agency Crisil.

1. Union Flexi Cap Fund - Direct Plan-Growth

Union Flexi Cap Fund has been rated 4 star by the reputed rating agency Crisil. This fund's NAV stood at Rs. 37.4 (till January 4, 2022), Asset Under Management (AUM) stood at Rs. 851.66 crore, and the expense ratio was 1.65%. The absolute returns of this fund are quite lucrative. In the last 1 year, this fund has given 18.71% return, in the last 2 years 49.40% return, in the last 3 years 61.50% return, and in the last 5 years 76.98% return.

The top 5 holdings of this fund are Reliance Industries, ICICI Bank, HDFC Bank, Infosys Ltd., and Bharti Airtel. Union Flexi Cap Fund has a 93.62% position in equities. This fund's Large Cap Investments are 54.91%, Mid Cap Investments are 15.21%, Small Cap Investments are 6.52%, and it invests 16.98% in other funds.

2. Canara Robeco Flexi Cap Fund - Direct Plan-Growth

Canara Robeco Flexi Cap Fund has been rated 4 star by Crisil. This fund's NAV stood at Rs. 250.79 (till January 4, 2022), Asset Under Management (AUM) stood at Rs. 6167.90 crore, and the expense ratio was 0.56%. In the last 1 year, this fund has given 16.95% return, in the last 2 years 44.67% return, in the last 3 years 57.46% return, and in the last 5 years 78.14% return.

The top 5 holdings of this fund are, ICICI Bank, Infosys Ltd., HDFC Bank, Reliance Industries - Refineries/marketing, and Bajaj Finance Ltd. Canara Robeco Flexi Cap Fund has a 96.65% holding in equities. This fund's Large Cap Investments are 59.92%, Mid Cap Investments are 14.24%, Small Cap Investments are 6.08%, and it invests 16.41% in other funds.

3. PGIM India Flexi Cap Fund - Direct Plan-Growth

PGIM India Flexi Cap Fund has been rated 5 star by Crisil. This fund's NAV stood at Rs. 30.75 (till January 4, 2022), Asset Under Management (AUM) stood at Rs. 2888.23 crore, and the expense ratio was 0.32%. In the last 1 year, this fund has given 21.51% return, in the last 2 years 63.14% return, in the last 3 years 83.23% return, and in the last 5 years 105.30% return.

The top 5 holdings of this fund are, Infosys Ltd., ICICI Bank, Larsen & Toubro, Housing Development Finance Corporation Ltd., and Bharti Airtel. PGIM India Flexi Cap Fund holds 95.84% in equities. This fund's Large Cap Investments are 46.88%, Mid Cap Investments are 15.63%, Small Cap Investments are 23.28%, while it invests 10.05% in other funds.

4. UTI Flexi Cap Fund - Direct Plan-Growth

UTI Flexi Cap Fund has been rated 5 star by Crisil. This fund's NAV stood at Rs. 285.06 (till January 4, 2022), Asset Under Management (AUM) stood at Rs. 24521.38 crore, and the expense ratio was 1.00%. In the last 1 year, this fund has given 17.87% return, in the last 2 years 52.54% return, in the last 3 years 68.13% return, and in the last 5 years 90.23% return.

The top 5 holdings of this fund are, Larsen & Toubro Infotech Ltd., Bajaj Finance Ltd., HDFC Bank, Kotak Mahindra Bank, and Infosys Ltd. UTI Flexi Cap Fund holds 97.56% in equities. This fund's Large Cap Investments are 40.27%, Mid Cap Investments are 31.71%, Small Cap Investments are 12.07%, and it invests 13.51% in other funds.

Performance comparison

Analyzing the above-mentioned Crisil rated fund, it can be said that the PGIM India Flexi Cap Fund has performed best among these funds. Both in long term (5 years) and short-term (1 year). However, if you are having a lesser risk appetite and are quite skeptical about the security of the fund, then you can check the portfolio of UTI Flexi Cap Fund because it has the highest Asset Under Management (AUM) at Rs. 24521.38 crore. This fund has given 90.23% absolute returns from SIP in the last 5 years, which is considerably good in the peer comparison. However, PGIM India Flexi Cap Fund has the best return records.

Considering NAV, or the unit price of the fund, the PGIM India Flexi Cap Fund, and the Union Flexi Cap Fund have the lowest NAV, which means you can obtain a higher number of units of these 2 funds, rather than the other 2 mentioned funds. The expense ratio or the management cost behind the fund is lowest in the case of the PGIM India Flexi Cap Fund, which can be an additional benefit for investors.

(Also read: 3 Best SIPs With 5 Star Rating, Those Invest In Large Caps)

 

 

Disclaimer

Investing in equities/SIPs pose a risk of financial losses. Investors must therefore exercise due caution. Greynium Information Technologies and the author are not liable for any losses caused as a result of decisions based on the article.

(Data taken from moneycontrol)