MF Analyser
Unlock Pro MF

Multi Asset Allocation Mutual Funds

At least 10% each in three asset classes.

Equity, debt and usually gold in one fund. The three rarely fall together, so the ride is smoother — and you never have to decide when to buy gold.

Who it suits. Investors who want one holding that already diversifies across asset classes. Hold for 5 years or more.

Direct plans Regular plans

Direct plans in this category

Returns as of 10 Nov 2026 · Direct · Growth option

Fund 1y3y5y

Point-to-point CAGR from AMFI NAV history, Direct plans only, computed to 10 Nov 2026 with the same engine the fund pages use, so a fund's number here matches its own page. Ordered by five-year return so the list has a shape, not because the order is a judgement. Past returns do not predict future ones — a fund near the top is usually there because its style suited the last five years, and styles take turns.

Compare any two Multi Asset Allocation funds side by side (666 comparisons) →

Other categories

Large CapFunds that must keep at least 80% in India's 100 biggest listed companies. Mid CapAt least 65% in companies ranked 101st to 250th by market value. Small CapAt least 65% in companies ranked 251st and below. Flexi CapAt least 65% in equity, with no limit on where across large, mid and small. Multi CapAt least 25% each in large, mid and small caps — the split is mandatory. Large & Mid CapAt least 35% in large caps and 35% in mid caps. FocusedA maximum of 30 stocks, at least 65% in equity. Value / ContraAt least 65% in equity, following a value or contrarian strategy.

All 35 categories →

Questions people ask

What is a Multi Asset Allocation fund?

At least 10% each in three asset classes. Equity, debt and usually gold in one fund. The three rarely fall together, so the ride is smoother — and you never have to decide when to buy gold.

Who should invest in Multi Asset Allocation funds?

Investors who want one holding that already diversifies across asset classes. A sensible holding period is 5 years or more.

How is this list ordered?

By five-year CAGR computed from AMFI's published NAV history, within one plan type. It is a sort, not a verdict — a fund near the top is there because its style suited the last five years, which is not a promise about the next five.

Should I choose the Direct or Regular plan?

A Direct plan holds exactly the same portfolio without the distributor commission, so its expense ratio is lower — commonly 0.5% to 1.2% a year — and it compounds ahead of the Regular plan for ever. Choose Regular only if you want an intermediary's advice and are content to pay for it annually.