Fund categories

Multi Asset Allocation Funds

Fund categoriesArrow
Fund Name
DSP Multi Asset Allocation Fund - Direct (G)
DSP Multi Asset Allocation Fund - Direct (G)

Multi Asset Allocation | Hybrid

21.86%₹100₹4,985.07Invest
Sundaram Multi Asset Allocation Fund-Dir (G)
Sundaram Multi Asset Allocation Fund-Dir (G)

Multi Asset Allocation | Hybrid

21.69%₹100₹2,925.07Invest
21.29%₹1,000₹764.15Invest
20.60%₹5,000₹8,722.27Invest
Union Multi Asset Allocation Fund - Direct (G)
Union Multi Asset Allocation Fund - Direct (G)

Multi Asset Allocation | Hybrid

20.54%₹1,000₹808.16Invest
19.86%₹500₹4,530.34Invest
18.72%₹5,000₹2,514.99Invest
18.62%₹500₹4,973.93Invest
Kotak Multi Asset Allocation Fund - Direct (G)
Kotak Multi Asset Allocation Fund - Direct (G)

Multi Asset Allocation | Hybrid

18.55%₹100₹9,429.18Invest
18.27%₹500₹1,283.50Invest
Bandhan Multi Asset Allocation Fund - Dir (G)
Bandhan Multi Asset Allocation Fund - Dir (G)

Multi Asset Allocation | Hybrid

18.02%₹1,000₹2,396.69Invest
SBI Multi Asset Allocation Fund - Direct (G)
SBI Multi Asset Allocation Fund - Direct (G)

Multi Asset Allocation | Hybrid

17.85%₹5,000₹11,306.23Invest
ICICI Pru Multi-Asset Fund - Direct (G)
ICICI Pru Multi-Asset Fund - Direct (G)

Multi Asset Allocation | Hybrid

17.57%₹5,000₹71,900.48Invest
AXIS Multi Asset Allocation Fund - Direct (G)
AXIS Multi Asset Allocation Fund - Direct (G)

Multi Asset Allocation | Hybrid

17.04%₹100₹1,704.90Invest
Quant Multi Asset Allocation Fund - Direct (G)
Quant Multi Asset Allocation Fund - Direct (G)

Multi Asset Allocation | Hybrid

16.70%₹5,000₹4,056.73Invest
HSBC Multi Asset Allocation Fund - Direct (G)
HSBC Multi Asset Allocation Fund - Direct (G)

Multi Asset Allocation | Hybrid

16.14%₹5,000₹2,407.97Invest
Tata Multi Asset Allocation Fund - Dir (G)
Tata Multi Asset Allocation Fund - Dir (G)

Multi Asset Allocation | Hybrid

15.01%₹5,000₹4,478.75Invest
Baroda BNP Paribas Multi Asset Fund - Dir (G)
Baroda BNP Paribas Multi Asset Fund - Dir (G)

Multi Asset Allocation | Hybrid

14.86%₹5,000₹1,248.19Invest
HDFC Multi-Asset Fund - Direct (G)
HDFC Multi-Asset Fund - Direct (G)

Multi Asset Allocation | Hybrid

14.53%₹100₹5,149.08Invest
14.46%₹500₹48.38Invest
UTI-Multi Asset Allocation Fund - Direct (G)
UTI-Multi Asset Allocation Fund - Direct (G)

Multi Asset Allocation | Hybrid

13.75%₹5,000₹6,375.80Invest
12.15%₹5,000₹337.14Invest
11.17%₹500₹137.19Invest
7.98%₹100₹2,416.61Invest
Motilal Oswal Multi Asset Fund - Direct (G)
Motilal Oswal Multi Asset Fund - Direct (G)

Multi Asset Allocation | Hybrid

-7.72%₹500₹93.80Invest
5.78%₹5,000₹2,224.76Invest
10.92%₹1,000₹203.54Invest
Groww Multi Asset Allocation Fund - Direct (G)
Groww Multi Asset Allocation Fund - Direct (G)

Multi Asset Allocation | Hybrid

1.56%₹500₹305.21Invest
17.70%₹1,000₹554.16Invest
21.89%₹5,000₹802.27Invest
7.90%₹5,000₹1,088.35Invest
Samco Multi Asset Allocation Fund - Direct (G)
Samco Multi Asset Allocation Fund - Direct (G)

Multi Asset Allocation | Hybrid

21.50%₹5,000₹357.27Invest
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1Y returns

21.86%

Min. Invest

₹100

AUM

₹4,985.07 Cr

1Y returns

21.69%

Min. Invest

₹100

AUM

₹2,925.07 Cr

1Y returns

21.29%

Min. Invest

₹1,000

AUM

₹764.15 Cr

1Y returns

20.60%

Min. Invest

₹5,000

AUM

₹8,722.27 Cr

1Y returns

20.54%

Min. Invest

₹1,000

AUM

₹808.16 Cr

1Y returns

19.86%

Min. Invest

₹500

AUM

₹4,530.34 Cr

1Y returns

18.72%

Min. Invest

₹5,000

AUM

₹2,514.99 Cr

1Y returns

18.62%

Min. Invest

₹500

AUM

₹4,973.93 Cr

1Y returns

18.55%

Min. Invest

₹100

AUM

₹9,429.18 Cr

1Y returns

18.27%

Min. Invest

₹500

AUM

₹1,283.50 Cr

1Y returns

18.02%

Min. Invest

₹1,000

AUM

₹2,396.69 Cr

1Y returns

17.85%

Min. Invest

₹5,000

AUM

₹11,306.23 Cr

ICICI Pru Multi-Asset Fund - Direct (G)

ICICI Pru Multi-Asset Fund - Direct (G)

Equity | Multi Asset Allocation

1Y returns

17.57%

Min. Invest

₹5,000

AUM

₹71,900.48 Cr

1Y returns

17.04%

Min. Invest

₹100

AUM

₹1,704.90 Cr

1Y returns

16.70%

Min. Invest

₹5,000

AUM

₹4,056.73 Cr

1Y returns

16.14%

Min. Invest

₹5,000

AUM

₹2,407.97 Cr

Tata Multi Asset Allocation Fund - Dir (G)

Tata Multi Asset Allocation Fund - Dir (G)

Equity | Multi Asset Allocation

1Y returns

15.01%

Min. Invest

₹5,000

AUM

₹4,478.75 Cr

1Y returns

14.86%

Min. Invest

₹5,000

AUM

₹1,248.19 Cr

HDFC Multi-Asset Fund - Direct (G)

HDFC Multi-Asset Fund - Direct (G)

Equity | Multi Asset Allocation

1Y returns

14.53%

Min. Invest

₹100

AUM

₹5,149.08 Cr

1Y returns

14.46%

Min. Invest

₹500

AUM

₹48.38 Cr

1Y returns

13.75%

Min. Invest

₹5,000

AUM

₹6,375.80 Cr

1Y returns

12.15%

Min. Invest

₹5,000

AUM

₹337.14 Cr

1Y returns

11.17%

Min. Invest

₹500

AUM

₹137.19 Cr

1Y returns

7.98%

Min. Invest

₹100

AUM

₹2,416.61 Cr

1Y returns

-7.72%

Min. Invest

₹500

AUM

₹93.80 Cr

1Y returns

%

Min. Invest

₹5,000

AUM

₹2,224.76 Cr

1Y returns

%

Min. Invest

₹1,000

AUM

₹203.54 Cr

1Y returns

%

Min. Invest

₹500

AUM

₹305.21 Cr

1Y returns

%

Min. Invest

₹1,000

AUM

₹554.16 Cr

1Y returns

%

Min. Invest

₹5,000

AUM

₹802.27 Cr

1Y returns

%

Min. Invest

₹5,000

AUM

₹1,088.35 Cr

1Y returns

%

Min. Invest

₹5,000

AUM

₹357.27 Cr

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What are Multi asset allocation funds?

Multi asset allocation funds are hybrid mutual funds that invest in at least three different asset classes, such as equities, debt, and commodities like gold. These funds aim to diversify their portfolio across various asset classes to optimize returns and manage risk effectively.  

Features of Multi asset allocation funds

These funds diversify investments across multiple asset classes including equity, debt, gold, and other commodities or real estate.They offer complete diversification and risk management through a single investment vehicle.
  • Diversification: Invest in multiple asset classes to spread risk.
  • Flexibility: Adjust allocations based on market conditions.
  • Risk Management: Lower risk compared to single asset class funds.
  • Professional Management: Managed by experienced fund managers.
  •  

How do Multi Asset Allocation Mutual Funds Work?

The best Multi Asset Allocation Mutual Funds work by allocating investments across different asset classes based on market conditions and the fund manager’s strategy. For example, during market volatility, the fund may increase its allocation to debt instruments for stability, while in bullish markets, it may increase equity exposure for stable returns. This dynamic allocation helps in balancing risk and return.  

Why Invest in Multi asset Allocation Funds?

The benefits of investing in multi asset allocation funds are multiple. These funds provide portfolio diversification, reducing the risk associated with investing in a single asset class. They offer flexibility to adjust allocations based on market conditions, which can optimize returns. Additionally, when you invest in multi asset allocation funds, they are managed by professional fund managers. The managers make informed decisions to balance risk appetite and reward.  

Who Must Invest in Multi asset allocation funds?

Investors seeking comprehensive diversification across equity, debt, gold, and other asset classes should invest in multi asset allocation mutual funds. They suit conservative investors wanting inflation-beating returns with lower volatility than pure equity funds. These funds benefit first-time investors looking for one-stop investment solutions, retirees seeking stable returns with capital preservation, and investors who prefer professional management across multiple asset classes without actively monitoring markets.

Factors to consider while investing in Multi Asset Allocation Mutual Fund Schemes

Investing in these funds requires careful evaluation of the fund's asset allocation strategy, historical performance, and risk management approach. This will help you understand whether or not you should invest in multi asset allocation mutual funds.
  • Expense Ratio: Check the fund’s expense ratio as it impacts net returns.
  • Fund Manager’s Expertise: The success of the fund depends on the manager’s skills.
  • Market Conditions: The fund’s performance is influenced by market volatility and liquidity.
  • Investment Horizon: Ideal for long term investments.
 

Risk Involved with Multi asset allocation funds

While these funds aim to manage risk through diversification, they are not entirely risk free. Additionally, there is the risk of underperformance if the fund manager’s decisions do not align with market movements. You must note this risk before you invest in multi asset allocation mutual funds. 

Taxation Rules of Multi asset Allocation Funds

These funds are treated as equity funds for tax purposes if they maintain a minimum equity exposure. Short term capital gains are for less than 12 months. These gains are taxed at 15%. The long term capital gains are for more than 12 months. This gain must exceed ₹1 lakh, taxed at 10% without indexation. This tax treatment makes them more attractive compared to pure debt funds, which are taxed at a higher rate.

FAQ’s

How long should I stay invested in a Multi Asset Allocation mutual fund?
The industry norm is to stay invested in Multi Asset Allocation mutual funds for at least 3 to 5 years to navigate market fluctuations and achieve optimal returns.

What kind of returns can I expect from a Multi Asset Allocation Fund?
Returns from the best multi asset allocation mutual funds can vary based on market conditions and the fund manager’s decisions.

What are the benchmark uses for multi asset funds?
The best multi asset allocation funds typically use a composite benchmark that reflects the performance of the various asset classes they invest in, such as a mix of equity and debt indices.

Where do these funds invest in?
The best multi asset allocation funds are invested in equities, debt instruments, and other asset classes like gold or real estate, depending on the fund’s strategy and market conditions.

What is a high expense ratio for a multi asset fund?
A high expense ratio for a multi asset fund is typically above 2%. It’s important to compare expense ratios across similar funds to ensure you’re getting the best value for your investment portfolio.

How does Multi Asset Fund reduce volatility?
Multi Asset Funds reduce volatility by diversifying investments across different asset classes.

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