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Monday, 20 Jul 2026 · IST
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5-Year rolling consistency

Most consistent mutual funds

We compute the rolling 5-year CAGR for every overlapping monthly window in each fund's history. A fund near the top of this list was positive in nearly every such window — the closest thing to "boring, reliable, predictable". Excludes cash-parking categories.

# Scheme Avg CAGR % positive
1 Tata Digital India Fund-Direct Plan-Growth
Tata
+25.24% 100%
2 Nippon India Small Cap Fund - Direct Plan Growth Plan - Bonus Option
Nippon India
+24.64% 100%
3 Nippon India Small Cap Fund - Direct Plan Growth Plan - Growth Option
Nippon India
+24.64% 100%
4 quant ELSS Tax Saver Fund - Growth Option - Direct Plan
Quant
+23.46% 100%
5 SBI Small Cap Fund - Direct Plan - Growth
SBI
+21.68% 100%
6 quant Flexi Cap Fund - Growth Option-Direct Plan
Quant
+21.59% 100%
7 Axis Small Cap Fund - Direct Plan - Growth
Axis
+21.59% 100%
8 quant Multi Cap Fund-GROWTH OPTION-Direct Plan
Quant
+21.41% 100%
9 ICICI Prudential Technology Fund - Direct Plan - Growth
ICICI Prudential
+21.34% 100%
10 Aditya Birla Sun Life Digital India Fund - Growth - Direct Plan
Aditya Birla Sun Life
+21.24% 100%
11 Kotak-Small Cap Fund - Growth - Direct
Kotak
+21.12% 100%
12 Tata Resources & Energy Fund-Direct Plan-Growth
Tata
+20.89% 100%
13 Mirae Asset Large & Midcap Fund - Direct Plan - Growth
Mirae Asset
+20.82% 100%
14 Kotak Midcap Fund - Direct Plan - Growth
Kotak
+20.80% 100%
15 Invesco India Midcap Fund - Direct Plan - Growth Option
Invesco
+20.43% 100%
16 HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan
HDFC
+20.31% 100%
17 DSP Small Cap Fund - Direct Plan - Growth
DSP
+20.27% 100%
18 SBI TECHNOLOGY OPPORTUNITIES FUND - DIRECT PLAN - GROWTH
SBI
+20.06% 100%
19 Mirae Asset ELSS Tax Saver Fund - Direct Plan - Growth
Mirae Asset
+19.99% 100%
20 Franklin Build India Fund - Direct - Growth
+19.77% 100%
21 Invesco India Infrastructure Fund - Direct Plan - Growth Option
Invesco
+19.70% 100%
22 HDFC Mid Cap Fund - Growth Option - Direct Plan
HDFC
+19.67% 100%
23 Motilal Oswal Midcap Fund-Direct Plan-Growth Option
Motilal Oswal
+19.62% 100%
24 BANK OF INDIA MID & SMALL CAP EQUITY & DEBT FUND - DIRECT PLAN GROWTH
Bank of India
+19.62% 100%
25 HDFC Small Cap Fund - Growth Option - Direct Plan
HDFC
+19.49% 100%
26 Axis Midcap Fund - Direct Plan - Growth
Axis
+19.48% 100%
27 Nippon India Growth Mid Cap Fund - Direct Plan Growth Plan - Growth Option
Nippon India
+19.34% 100%
28 Nippon India Growth Mid Cap Fund - Direct Plan Growth Plan - Bonus Option
Nippon India
+19.34% 100%
29 Parag Parikh Flexi Cap Fund - Direct Plan - Growth
Parag Parikh
+19.31% 100%
30 CANARA ROBECO LARGE AND MID CAP FUND - DIRECT PLAN - GROWTH OPTION
Canara Robeco
+19.26% 100%
31 PGIM India Midcap Fund - Direct Plan - Growth Option
PGIM India
+19.06% 100%
32 Tata India Pharma & Healthcare Fund-Direct Plan-Growth
Tata
+18.97% 100%
33 quant Large & Mid Cap Fund - Growth Option-Direct Plan
Quant
+18.92% 100%
34 Tata Mid Cap Fund - Direct Plan- Growth Option
Tata
+18.84% 100%
35 360 ONE Focused Fund-Direct Plan-Growth
360 ONE
+18.79% 100%
36 BANK OF INDIA Manufacturing & Infrastructure Fund-Direct Plan-Growth
Bank of India
+18.73% 100%
37 DSP Natural Resources and New Energy Fund - Direct Plan - Growth
DSP
+18.55% 100%
38 Invesco India Contra Fund - Direct Plan - Growth
Invesco
+18.42% 100%
39 Franklin India Technology Fund - Direct - Growth
Franklin India
+18.37% 100%
40 BANK OF INDIA ELSS Tax Saver -Direct Plan- Growth
Bank of India
+18.34% 100%
41 CANARA ROBECO CONSUMPTION FUND - DIRECT PLAN - GROWTH OPTION
Canara Robeco
+18.23% 100%
42 quant Aggressive Hybrid Fund-Growth Option-Direct Plan
Quant
+18.22% 100%
43 Mirae Asset Great Consumer Fund - Direct Plan - Growth
Mirae Asset
+18.21% 100%
44 JM Flexicap Fund (Direct) - Growth Option
+18.10% 100%
45 Tata India Consumer Fund-Direct Plan-Growth
Tata
+17.99% 100%
46 PGIM India Flexi Cap Fund - Direct Plan - Growth Option
PGIM India
+17.96% 100%
47 ICICI Prudential Aggressive Hybrid Active FOF - Direct Plan - Growth
ICICI Prudential
+17.95% 100%
48 JM Value Fund (Direct) - Growth Option
+17.87% 100%
49 UTI Mid Cap Fund-Growth Option- Direct
UTI
+17.65% 100%
50 BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth
Bandhan
+17.61% 100%

Why "% positive" matters

A trailing 5-year CAGR is a single number — sensitive to the exact start and end dates. A fund that returned +18% from Jan 2020 to Jan 2025 could have returned +25% from Mar 2020 (the COVID bottom) or +12% from Sep 2021 (a peak). Rolling 5-year returns smooth out this start-date bias by averaging across hundreds of overlapping windows.

% positive is the share of those rolling windows where the fund delivered a positive CAGR. A value of 100% means: no matter when in the fund's history you started, holding for 5 years was always positive. That's the gold standard for "reliable".

What this list isn't

Consistency ≠ highest absolute return. The funds at the top of this list won't necessarily appear in the biggest wealth creators list, because sectoral and thematic funds with explosive 2-3 year runs deliver enormous SIP outcomes but also have huge drawdowns. Pick your trade-off intentionally.