grok index , active funds, give consistan returns for last 5 years? list

 Below is a concise ranking of the best-performing Indian index funds and top 10 actively managed mutual funds based on 5-year annualized returns, as of June 2025. Data is sourced from web results and focuses on equity-oriented funds. Past performance does not guarantee future results.

Top Indian Index Funds (5-Year Annualized Returns):

1. ICICI Prudential Nifty 50 Index Fund: ~16.0%, tracks Nifty 50, expense ratio ~0.2%.
2. UTI Nifty 50 Index Fund: ~15.8%, tracks Nifty 50, expense ratio ~0.2%.
3. HDFC Index Fund Nifty 50 Plan: ~15.7%, tracks Nifty 50, expense ratio ~0.2%.
4. Motilal Oswal Nifty Midcap 150 Index Fund: ~32.4%, tracks mid-cap index, expense ratio ~0.3%.
5. ICICI Prudential Nifty Midcap 150 Index Fund: ~20.2%, tracks mid-cap index, expense ratio ~0.3%.

Top 10 Actively Managed Mutual Funds (5-Year Annualized Returns):

1. Bandhan Small Cap Fund: ~40.2%, small-cap, expense ratio 0.39%.
2. ICICI Prudential Infrastructure Fund: ~38.9%, sectoral, expense ratio ~1.0%.
3. Motilal Oswal Midcap Fund: ~40.0%, mid-cap, expense ratio 0.7%.
4. Invesco India Smallcap Fund: ~36.4%, small-cap, expense ratio ~0.8%.
5. Franklin Build India Fund: ~35.0%, infrastructure, expense ratio ~1.0%.
6. HDFC Mid-Cap Opportunities Fund: ~34.2%, mid-cap, expense ratio ~0.8%.
7. ICICI Prudential Value Discovery Fund: ~28.6%, value-oriented, expense ratio 1.1%.
8. Parag Parikh Flexi Cap Fund: ~27.5%, diversified, expense ratio 0.6%.
9. Bandhan Sterling Value Fund: ~32.3%, value-oriented, expense ratio ~0.7%.
10. Nippon India Small Cap Fund: ~31.2%, small-cap, expense ratio ~0.7%.

Notes: Index funds tracking Nifty 50 offer stable returns with low fees, while mid-cap index funds have higher returns but increased risk. Active funds, especially small/mid-cap and sectoral, outperform due to skilled management but carry higher fees and volatility. Consult a financial advisor before investing.

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which is can we use , 1)frequent invest and redeem less then 1 year, 2)more then >3 years? for better returns; among above, answer in 10lines;?

For frequent investments and redemptions (less than 1 year), index funds are preferable due to lower costs and stability. Among the listed Indian funds, ICICI Prudential Nifty 50 Index Fund or UTI Nifty 50 Index Fund (~15.8-16.0% 5-year returns, expense ratio ~0.2%) are ideal for their liquidity and lower volatility, minimizing short-term market risks. Avoid active funds due to higher fees and exit loads, which can erode short-term gains.

For long-term investments (>3 years), actively managed funds, particularly small and mid-cap funds, are better for higher returns despite increased risk. Bandhan Small Cap Fund (~40.2% 5-year returns, expense ratio 0.39%) or Motilal Oswal Midcap Fund (~40.0%, expense ratio 0.7%) are top choices due to their strong performance in growing segments. Alternatively, Parag Parikh Flexi Cap Fund (~27.5%, expense ratio 0.6%) offers diversified exposure with consistent returns. Long-term horizons benefit from compounding and market recovery, justifying active funds’ higher fees. Always consult a financial advisor.