Curated Mutual Fund Model Portfolios
Picking individual mutual funds in isolation often leads to duplicate stocks, overlapping fees, and unintended risk. Our ready-made model portfolios blend complementary, top-ranked schemes into an all-weather asset allocation tailored to your risk comfort and time horizon.
First-Time Beginner (2-Fund Starter)
Ideal for first-time investors who want to start investing with zero confusion. Splits your money equally between India's top 100 blue-chip companies for stability and a flexible multi-cap fund for extra growth.
| # | Recommended Scheme | Role in Portfolio | Weight | Monthly SIP | Score | 3Y CAGR | TER |
|---|---|---|---|---|---|---|---|
| 1 |
TA
Taurus Large Cap Fund
Large Cap • Taurus Mutual Fund
|
Large Cap Blue Chip Core
Invests in India's top 100 established market leaders (banking, IT, FMCG) to provide steady stability.
|
50% | ₹5,000 | 5.3 | +16.25% | 2.74% |
| 2 |
AB
Aditya Birla Sun Life Flexi Cap Fund
Flexi Cap • Aditya Birla Sun Life Mutual Fund
|
Multi-Cap Growth Compounder
Gives the fund manager dynamic flexibility to invest across large, mid, and small cap winners as market opportunities evolve.
|
50% | ₹5,000 | 6.5 | +15.93% | 1.66% |
Conservative Wealth Preserver
Designed for capital safety first. Combines dynamic asset allocation with high-grade fixed income to ensure market crashes do not disrupt your peace of mind.
| # | Recommended Scheme | Role in Portfolio | Weight | Monthly SIP | Score | 3Y CAGR | TER |
|---|---|---|---|---|---|---|---|
| 1 |
DS
DSP Dynamic Asset Allocation Fund
Balanced Advantage • DSP Mutual Fund
|
Dynamic Asset Allocation (Equity + Debt)
Automatically buys more equities when valuations are cheap and moves to debt when markets get overheated.
|
50% | ₹5,000 | 6.1 | +10.81% | 2.26% |
| 2 |
TA
Taurus Large Cap Fund
Large Cap • Taurus Mutual Fund
|
Blue Chip Inflation Beater
High-quality corporate leaders providing dividends and long-term capital growth.
|
30% | ₹3,000 | 5.3 | +16.25% | 2.74% |
| 3 |
PP
Parag Parikh Conservative Hybrid Fund
Conservative Hybrid • PPFAS Mutual Fund
|
Debt & High-Grade Bond Anchor
Invests 75-90% in debt instruments to generate regular income and act as a shock absorber.
|
20% | ₹2,000 | 8.7 | +8.69% | 0.66% |
Balanced Steady Compounder
The quintessential long-term portfolio. Blends multi-cap growth with large and mid cap compounding, cushioned by a high-performing hybrid fund for downside protection during corrections.
| # | Recommended Scheme | Role in Portfolio | Weight | Monthly SIP | Score | 3Y CAGR | TER |
|---|---|---|---|---|---|---|---|
| 1 |
AB
Aditya Birla Sun Life Flexi Cap Fund
Flexi Cap • Aditya Birla Sun Life Mutual Fund
|
Core Multi-Cap Compounder
Unconstrained equity allocation investing across high-conviction companies regardless of size.
|
40% | ₹4,000 | 6.5 | +15.93% | 1.66% |
| 2 |
IN
Invesco India Large & Mid Cap Fund
Large & Mid Cap • Invesco Mutual Fund
|
Established Growth & Next-Gen Leaders
At least 35% large caps for liquidity plus 35% mid caps for superior earnings growth.
|
30% | ₹3,000 | 6.8 | +21.93% | 1.85% |
| 3 |
BA
Bandhan Aggressive Hybrid Fund
Aggressive Hybrid • Bandhan Mutual Fund
|
Crash Buffer & Debt Cushion
Invests 65-80% in equities and 20-35% in debt to buffer against sharp corrections.
|
30% | ₹3,000 | 6.1 | +14.61% | 2.25% |
Aggressive Long-Term Wealth Creator
High-conviction equity portfolio with significant exposure to high-growth mid-cap and small-cap stocks. Suitable for investors willing to ride out market swings for potential multi-bagger returns.
| # | Recommended Scheme | Role in Portfolio | Weight | Monthly SIP | Score | 3Y CAGR | TER |
|---|---|---|---|---|---|---|---|
| 1 |
AB
Aditya Birla Sun Life Flexi Cap Fund
Flexi Cap • Aditya Birla Sun Life Mutual Fund
|
Multi-Cap Anchor
High-quality core equity ballast providing stability and selective mid/small cap alpha.
|
40% | ₹4,000 | 6.5 | +15.93% | 1.66% |
| 2 |
IN
Invesco India Mid Cap Fund
Mid Cap • Invesco Mutual Fund
|
High-Growth Emerging Leaders
Fast-growing companies ranked 101st to 250th by market cap with superior earnings momentum.
|
30% | ₹3,000 | 6.3 | +22.17% | 1.85% |
| 3 |
BA
BANDHAN SMALL CAP FUND
Small Cap • Bandhan Mutual Fund
|
Next-Gen Multi-Baggers
Nimble smaller businesses (ranked 251st onwards) with high growth runway.
|
20% | ₹2,000 | 7.8 | +21.17% | 1.73% |
| 4 |
TA
Taurus Large Cap Fund
Large Cap • Taurus Mutual Fund
|
Liquidity & Blue Chip Safety
Top-tier foundational companies providing dividend yield and liquidity.
|
10% | ₹1,000 | 5.3 | +16.25% | 2.74% |
Tax-Saver (ELSS) 80C Growth Builder
Save tax under Section 80C while building long-term equity wealth. The 3-year statutory lock-in prevents impulsive selling during market downturns, boosting overall returns.
| # | Recommended Scheme | Role in Portfolio | Weight | Monthly SIP | Score | 3Y CAGR | TER |
|---|---|---|---|---|---|---|---|
| 1 |
MO
Motilal Oswal ELSS Tax Saver Fund
ELSS • Motilal Oswal Mutual Fund
|
Core Large-Cap Biased ELSS
Provides disciplined, tax-exempt compounding with high stability in blue-chip holdings.
|
60% | ₹6,000 | 5.8 | +18.09% | 2.07% |
| 2 |
DS
DSP ELSS Tax Saver Fund
ELSS • DSP Mutual Fund
|
High-Alpha Growth ELSS
Complements core tax savings with higher mid-cap allocation for wealth appreciation.
|
40% | ₹4,000 | 7.1 | +14.38% | 1.77% |
Understanding Model Portfolio Allocations
How to use these portfolios: These model allocations illustrate how top-ranked mutual funds from complementary categories can be assembled to target specific investment horizons. Rather than attempting to time the market, long-term investors benefit by setting up an automatic monthly SIP split according to their chosen model allocation and rebalancing once every 12 to 18 months.