Top 10 Best SIP Mutual Funds to invest in India in 2022

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If you are a follower of my blog for a long, then you are aware that yearly I used to publish my Top 10 Best SIP Mutual Funds to invest in India. As usual, I am publishing my Top 10 Best SIP Mutual Funds to invest in India in 2022.

Note:- Refer to my debt funds recommendations for 2022 at “Top 10 Best Debt Mutual Funds to invest in India in 2022“.

First of all, I am really sorry for publishing this post late. Many of my readers waited a lot. However, due to my hectic Fee-Only Financial Planning Service, I was unable to publish as usual like during the months of December or January.

Let me recap what I have recommended last year (Top 10 Best SIP Mutual Funds to invest in India in 2021).

Top 10 Best SIP Mutual Funds to invest in India in 2021

If you remember, since it’s almost two years, I stayed away from active fund recommendations and adopted the passive funds (Index Funds) and the reasons are as below:-

By adopting the Index investing, you are ending the search for the BEST MUTUAL FUND COMPANY and BEST FUND MANAGER. Investing in Index Fund and expecting the returns of the Index is the simplest way of investment. The only risk you can’t avoid is market risk, which you have to manage by proper asset allocation between debt and equity (I mean at the portfolio level).

As you may be aware, many AMCs are now launching a lot of Index Funds. Because they are trying to follow the trend. Few launched with an idea of low cost and few brought complications by launching smart-beta funds. However, in my view, owning the whole market (especially Nifty 100) is far better than these various smart-beta index funds. I know that they may reduce the volatility. However, it comes with compensation of returns. Hence, for simplicity, owning the Nifty 100 is far better. It remembers me the quote from John Bogle.

“The winning formula for success in investing is owning the entire stock market through an index fund, and then doing nothing. Just stay the course.”
– John C. Bogle, The Little Book of Common Sense Investing.

Owning Index Funds is fine. However, sticking to this strategy requires lot of patience. As you may be aware, day in and day out, we are flooded with information (I call it NOISE) and obviously, there may be few active funds and they may be currently beating the Index. During such a period, you start to doubt your strategy of adopting index investing.

John Bogle once said, “Buying funds based purely on their past performance is one of the stupidest things an investor can do.“. The majority of buying of new mutual funds is based on their past performance. We HOPE that past performance will repeat. However, fund managers themselves are not sure whether they repeat the same past performance. But, we the investors are forced to believe that it will repeat.

Sharing once again the quote of Morgan Housel.

“If I had to summarize my views on investing, it’s this: Every investor should pick a strategy that has the highest odds of successfully meeting their goals. And I think for most investors, dollar-cost averaging into a low-cost index fund will provide the highest odds of long-term success.” – Morgan Housel, The Psychology of Money (Timeless Lessons on Wealth, Greed and Happiness).

Hence, we all know that there are few fund managers who can BEAT the Index. However, finding such rare species that can beat the index CONSISTENTLY is the biggest task and in fact impossible task.

The cost you pay to them is fixed. However, the returns are not fixed. If a fund manager is claiming that his fund is beating the index, then you have to check what is the actual returns after cost and how consistently he can deliver returns.

How to choose the Best Index Funds?

When you decided to invest in Index Funds, you have to just concentrate on three aspects of the funds and they are as below.

# Expense Ratio:-Lower the Expense ratio is better for me.

# Tracking Error:-It is nothing but how much is the fund deviated in terms of returns with respect to the Index it is benchmarked. Lower the tracking error means better the fund performance. Few fund houses do not publish this data on regular basis. Hence, you have to be cautious with this data.

# AUM:-Higher the AUM means better the advantage for the fund manager to manage the liquidity issues.

If you go by these criteria, then Index NFOs are also not considered. Once they have decent AUM with historical tracking error, then you can consider them.

Basics of Investing Mantras

Now before jumping to investing, you must have an idea of what are the basics of investing. I repeat this exercise on yearly basis in my blog post. But still, find the same type of questions from the readers. Hence, to give you the clarity, I am writing once again.

As per me, before jumping into an investment, one must aware of how well they are prepared for facing financial emergencies. Financial emergencies maybe like loss of life, meeting with an accident, hospitalization or sudden income loss, or job loss.

Hence, the first step is to cover yourself with proper Life Insurance (Term Life Insurance where the coverage should be at least 15-20 times of your yearly income). You must have your own health insurance (rather than relying on employer-provided health insurance). Create better coverage with a family floater plan and Super Top Up Health Insurance. Ideally around 3-5 Lakh of family floater plan and around Rs.10-25 Lakh of Super Top Up is a must nowadays. Buy around 15 to 20 times of your monthly salary corpus as accidental insurance. Then finally create an emergency fund of at least 6-24 months of your monthly commitment. This will be handy whenever your income will stop or if you face any unplanned expenses.

Once these basics are done, then think of investing. If your basics are not done properly, then whatever investment building you are creating may tumble at any point of time. Let us move on and understand the basics of investing.

You must have a proper Financial Goal

I noticed that many investors simply invest in mutual funds just because they have some surplus money. The second reason may be someone guided that mutual funds are best in the long run compared to Bank FDs, PPF, RDs, or even LIC endowment products.

If you have clarity like why you are investing, when you need the money, and how much you need money at that time, then you will get better clarity in selecting the product. Hence, first, identify your financial goals.

You must know the current cost of that goal. Along with that, you must also know the inflation rate associated with that particular goal. Remember that each financial goal has its own inflation rate. For example, the education or marriage cost of your kid’s inflation is different than the inflation rate of household expenses.

By identifying the current cost, time horizon, and inflation rate of that particular goal, you can easily find out the future cost of that goal. This future cost of the goal is your target amount.

I have written a separate post on how to set your financial goals. Read the same at “Financial Goals – How to set before jumping into investing?

Asset Allocation is MUST

Next step is to identify the asset allocation. Whether it is a short-term goal or a long-term goal, the proper asset allocation between debt and equity is a must. I personally suggest the below-shared asset allocation strategy. Remember that it may differ from individual to individual. However, the basic idea of asset allocation is to protect your money and smoothly sail to reach your financial goals.

If the goal is below 5 years-Don’t touch equity product. Use the debt products of your choice like FDs, RDs, Liquid Funds, Money Market Funds, or Ultra Short Term Funds.

If the goal is 5 years to 10 years-Allocate debt: equity in the ratio of 60:40.

If the goal is more than 10 years-Allocate debt:equity in the ratio of 40:60.

While choosing a debt product, make sure that the maturity period of the product must match your financial goals. For example, PPF is the best debt product. However, it must match your financial goals. If the PPF maturity period is 13 years and your goal is 10 years, then you will fall short of meeting your financial goals.

First fill the debt allocation with EPF, PPF, or SSY (based on the maturity and goal type). If you still have room to invest in debt, then choose the debt funds. Personally, my choice always is to fill these wonderful debt products like EPF, PPF, and SSY.

Return Expectation

Next and the biggest step is the return expectation from each asset class. For equity, you can expect around 10% to 12% return. For debt, you can expect around 6% to 7% returns.

When your expectations are defined, then there is less probability of deviating or taking knee-jerk reactions to the volatility.

Portfolio Return Expectation

Once you understand how much is your return expectation from each asset class, then the next step is to identify the return expectation from the portfolio.

Let us say you defined the asset allocation of debt:equity as 40:60. Return expectation from debt is 6% and equity is 10%, then the overall portfolio return expectation is as below.

(60% x 10%) + (40% x 6%)=8.4%.

How much to invest?

Once the goals are defined with the target amount, asset allocations are done, return expectation from each asset class is defined, then the final step is to identify the amount to invest each month.

There are two ways to do it. One is a constant monthly investment throughout the goal period. The second way is increasing some fixed % each year up to the goal period. Decide which suits you.

I hope the above information will give you clarity before jumping into equity mutual fund products.

How many mutual funds are enough?

How many mutual funds do we have? Is it 1, 3, 5 or more than 5? The answer is simple…you don’t need more than 3-4 funds for investing in mutual funds. Whether your investment is Rs.1,000 a month or Rs.1 lakh a month. With a maximum of 3-4 funds, you can easily create a diversified equity portfolio.

Having more funds does not give you enough diversification. Instead, in many cases, it may create your portfolio overlapping and leads to underperformance.

Few choose new funds for each goal. That creates a lot of clutter and confusion. Because, starting is easy and after few years, it looks like a hilarious task to manage. Hence, my suggestion is to have the same set of funds for all goals. Either you create a unified portfolio or create a separate folio for each goal and invest.

Taxation of Equity Mutual Funds for FY 2022-23

Remember that Equity Funds and Debt funds are taxed differently. Hence, you must understand the taxation part as well before jumping into investment. I tried to explain the same in the below image.

The rate of taxation is as below for the FY 2022-23 is as below.

Mutual Fund Taxation FY 2022-23

I hope the taxation part is clear to all of you. If you still have doubts, then refer my latest post ”Mutual Fund Taxation FY 2022-23 / AY 2023-24“.

Top 10 Best SIP Mutual Funds to invest in India in 2022

I have written few posts in the last year which as per me are best to add value to your investment journey. Hence, suggest you to read them first (sharing the list below).

Now let us move on and share with you my Top 10 Best SIP Mutual Funds to invest in India in 2022.

Best SIP Mutual Funds to invest in India in 2022 -Large Cap

Last year I recommended two Large Cap Index Funds. I am retaining the same funds for this year too.

# UTI Nifty Index Fund-Direct-Growth

# HDFC Index Fund Sensex Plan-Direct-Growth

Best SIP Mutual Funds to invest in India in 2022 -Mid Cap

Last year, I recommended two Nifty Next 50 Index Funds. This year also, I am retaining the same funds for my recommendations in Mid Cap Funds. In my latest article Nifty Next 50 Vs Nifty Midcap 150 – Which is best?, I have given the reasons why Nifty Next 50 should be your better alternative than the Nifty Mid Cap.

Nifty Next 50 is actually an essence of both large-cap and mid-cap. Because of this, it acts with the same volatility as mid-cap. Hence, I am suggesting Nifty Next 50 as my mid-cap fund than particular Mid Cap Active or Index Funds.

I am continuing last year’s choices:-

# ICICI Pru Nifty Next 50 Index Fund-Direct-Growth

# UTI Nifty Next 50 Index Fund-Direct-Growth

Best SIP Mutual Funds to invest in India in 2022 -Flexi-Cap

Last year I recommended Parag Parikh Long Term Equity Fund and Axis Multi-Cap Fund. I am retaining both funds as usual.

# Parag Parikh Flexi Cap Fund-Direct-Growth

# Axis Flexi Cap Fund–Direct-Growth

Now, you may be surprised why I am recommending the Axis AMC fund when there is news of scam by fund managers. First thing, the fund managers who are involved in the front running are not managing this fund and hence have no impact on this fund. However, if you are uncomfortable with this AMC, then you can go with my favorite Parag Parikh Flexi Cap Fund.

Best SIP Mutual Funds to invest in India in 2022 – Equity Oriented Balanced Funds or Aggressive Hybrid Fund

Last year I recommended HDFC Hybrid Equity Fund and Franklin India Equity Hybrid Fund. However, this year, I am changing my recommendations in both the funds. Regarding HDFC, I am a bit skeptical about their debt portfolio which I noticed during the Covid period when they did some inter scheme transfer. Along with this, its consistent underperformance is one more reason. Regarding the Franklin, I am not sure how long they sustain with a bad history behind them (Franklin Templeton India Closed 6 Debt Funds – Is it right?).

Hence, this year, I am recommending two new funds in this category.

# SBI Equity Hybrid Fund

# Canara Robeco Equity Hybrid Fund

What if someone already invested in my earlier recommended funds? No need to panic. For few of my clients, I suggested continuing the HDFC Hybrid Fund. You can stop the fresh investment and start with these two funds. After a year or so, as per your tax liability, you can slowly move to the above-recommended funds.

Best SIP Mutual Funds to invest in India in 2022 – ELSS or Tax Saver Funds

Last year, I have recommended Birla Sunlife Tax Relief ’96 and DSP Tax Saver. This year also, I am maintaining the same.

# Aditya Birla Sun Life Tax Relief ’96 – Growth – Direct Plan

# DSP Tax Saver – Growth – Direct Plan

What about Small-Cap Funds?

Personally, I never invested in small-cap funds, and also for all my fee-only financial planning clients, I never suggest small-cap funds. I may be conservative. However, in the end, what I want is a decent return with sound sleep at night. Hence, this year, I thought not to recommend any small-cap funds.

So you noticed that there are no major changes this year (except Hybrid Funds). You can continue the same funds which I have recommended. However, don’t forget to check your asset allocation (at least once a year). It is very much important.

Finally, a list of my Top 10 Best SIP Mutual Funds to invest in India in 2022 are as below.

What is my style of construction Equity Portfolio?

I have listed all the funds above. However, I suggest constructing the portfolio as below within your equity portfolio.

50% Large Cap Index+30% Nifty Next 50+20% Hybrid Funds

50% Large Cap Index+30% Nifty Next 50+20% Flexi Cap Funds

50% Large Cap Index+20% Nifty Next 50+30% Hybrid Funds

50% Large Cap Index+20% Nifty Next 50+30% Flexi Cap Funds

However, my favorite is 80% Index and around 20% active (either through Hybrid or through Flexi Cap).

Disclosure:-I have investments in UTI Nifty Index Fund, ICICI Pru Nifty Next 50 Index Fund, Parag Parikh Flexi Cap Fund, and HDFC Hybrid Fund (will wait for few more years before taking a call on this) as equity part of my daughter’s educational goal and my retirement goal.

Conclusion:-These are my selections but it does not mean they must be universal selections. Hence, if you have a different opinion, then you can adopt so. You also noticed that I hardly change my stance until and unless there is a valid reason. In the end, investing is a BORING and LONG TERM journey ? Best of LUCK!!

More To Explore

42 Responses

  1. Dear Basu,

    Thank you for the long awaited article. Big fan of your blogs.Currently hold below mutual funds in HDFC AMC. Would like to diversif and rebalance it as per above list. Do you advice to go with individual investmests in fund houses or go with online broker platforms like zerodha coin where we will have a combined view and invest in multiole Diversified fund houses.

    How do you invest in mutual funds if you could shed some light on it would be grateful.

    HDFC Index sensex fund direct growth
    HDFC midcap oppurtunities direct growth
    HDFC Hybrid equity direct growth

    1. Dear Ajith,
      Thanks for your kind words. Regarding the platforms, I prefer the one which offers a single point of the process, not forcing me to hold units in demat, obviously DIRECT and FREE. Hence, I prefer platforms like Kuvera, CAMS or KFintech (You can check MF Central too).
      Regarding the funds, as I mentioned, I stayed away from active funds and am skeptical of hybrid.

  2. Sir, can you throw light on why you choose ABSL Tax Relief 96 as its not performing good as compared to peers. As you have dropped HDFC Midcap due to underperformance then what is the reason for keeping ABSL ELSS fund?

    1. Dear Ram,
      The underperformance started since two years (especially). Let us wait for a year or so.

  3. Dear Mr basu,

    Last year you have recommended “Axis multi cap fund” but I don’t see that fund this year.

    I have started SIP in this fund few months back, what is your suggestion on this fund ?

    Should I stop SIP in this fund and switch to Axis flexicap ?

    1. Dear Arun,
      Earlier Axis Multi Cap now turned to Axis Flexi Cap, which is there in my above list.

  4. Dear Mr.Basu,

    Currently in my portfolio debt equity allocation ration is not even 50:50%. I dont want to change current debt allocation which is PPF + LIC, but instead would like to increase equity allocation so that ratio can be reached to 50:50% or 50:60% considering long term investment. As i said, currently i am doing SIP of Rs.8000 and would like to increase it to Rs.15000, which will make my asset allocation ration of 50:50%.

    Can you pls suggest MF and type where i should start fresh SIP?

    Thank You,
    Ravi

  5. Dear Mr.Basu,

    First of all thank you for such a wonderful and detailed article. You have given all details which is required for an investor. I would like your valuable advice on my portfolio. Currently i am doing investment as below.

    Age: 36 yrs
    Goal: Child education & retirement, so duration will be 10+ yrs
    Debt: PPF – Rs.1,50,000 every year
    LIC Jeevan Saral – Rs.36,030 (Policy term -20 yrs, already paid premiums for 11 yrs (i.e. Rs.3,96,330), current surrender value is Rs.6,70,000)

    Equity MF (SIPs):
    HDFC MidCap Opportunity Fund (G) – Rs.3000 (since 5 yrs)
    DSP Tax Saver Fund (G) – Rs.3000 (since 5 yrs)
    Kotak Flexicap Fund (G) – Rs.2000 (since 4 yrs)

    I would like to invest more in MF to balance the portfolio. I can allocate more Rs.7000 per month for SIP, so total will have SIPs of Rs.15000. Whats your view about my portfolio? Can you pls suggest in which MFs i should start SIP along with amount for better diversification and return. Also suggest if i need to switch any of three existing funds. Though Kotak Flexicap Fund shows IRR as 12.71 but somehow i am not confident about it. I started investing in it as Largecap fund but later it converted to Multicap and then Flexicap Fund.

    Please advice.

    Thank You,
    Ravi

    1. Dear Ravi,
      Before jumping into an investment, at first check your asset allocation between debt to equity and what % you wish to manage. Also, make sure that your invested products must be available to liquidate when you actually need. Refer my post once again. You will get the clarity.

  6. Tata nifty index fund have expense ratio of 0.16 against the 0.21 of UTI and .40 of HDFC. So I have purchased Tata index fund recently based on expense ratio.
    Only difference between Tata and others is AUM as per my understanding.
    What is your view on this?

  7. Dear Basavaraj,
    Good article, After reading I understood one thing, that I need to build emergency fund and take life insurance and then do investing.
    1. Can you please recommend best term life insurance company to buy a plan?
    2. How can I save for emergency fund?
    I just started investing like 8 months back,
    I have some stocks and mutual funds sip which I bought like 4 months back
    1. UTI nifty index
    2. PPFAS flexi cap
    3. Axis long term ELSS
    I bought axis long term after buying I thought why I bought, because there were other good performing ELss funds, I have read many blogs and no one recommends this I am little worried about this. Btw I bought seeing AUM.
    4. Should I exit and buy a new one?
    5. Can you please guide me on the mutual fund allocation?
    5. Can I invest in a new mutual fund now since markets are down?

    Regards,

    1. Chicha,
      1) Sure..Writing that post also soon.
      2) Slowly around 10% of your investable surplus can be set aside to build the emergency fund (either through RD or in Liquid Funds).
      Before jumping into investment check your suitability rather than blind following of anyone. If you feel the fund is not suitable, then exit.
      3) Just because no one recommended it does not mean it is bad 🙂
      4) First do your own research of why you want to exit and what if the new fund also follows the same as old fund?
      5) Refer my above post.
      6) How can you say that market is down? What if it goes further down?

  8. Thanks for such a nice and detailed article. It gives clear picture to reader/investor how to study the fund before investing, very nice.
    I have query –
    In 2021 table, HDFC Midcap fund was there but in 2022 you removed it, any specific reason for it. I know its underperforming from last few years and I have personally invested in this fund from 2015 and keeping sip ON for this fund. I would like to know your view on exiting HDFC Midcap in year 2022

    1. Dear Ram,
      There are two reasons to it. One is adopting passive funds and the second is its underperformance. Hence, I suggest you stop the fresh investment in this fund and start Nifty Next 50 or Nifty Mid Cap Index. Existing investments can be slowly moved to the new fund.

  9. Dear Mr. Basu

    I love your independent reviews and articles. It gives confidence and shares views which are mostly hidden from DIY Investors by Distributors n Sellers. I love your approach of building conservative return expectations and over delivering rather doing reverse.

    I did have different opinion for 2021 recommendations but do concur with your 2022 Recommendations except ABSL Tax Saver. It has been consistent underperformer since last 3-4 years though there is huge rally in mid and small cap indexes. Surprisingly, you don’t recommend any International Diversification as well as No Debt Funds (just in case someone wants to invest)

    I am invested in Nippon Nifty 50 Bees, Parag Parikh Flexi Cap, Axis Growth Opp, Canara Robeco Hybrid Equity. I am also invested via S & P 500 as well as PGIM Global Equity Funds in overseas market. I am covering my Debt Portion with IDFC Short Term Debt as well as HDFC Short Term Bond Fund (as I cannot wait for higher lock in of VPF/PPF)

    All the best to you and will await more blogs from you to validate my thesis.

    1. Dear Keyur,
      Thanks for your appreciation. Regarding ABSL Tax Saver, it is one of the oldest and most consistent performers and I know that the fund is underperforming since few years. However, rather than taking knee jerk reaction, I prefer to wait and watch. Coming back to international exposure, I avoid them directly. Mainly because of huge tracking errors and taxation of such funds. Rather, I love to have international exposure through Parag Parikh Flexi Cap Fund.
      Regarding the debt, I thought to have a separate post rather than including the same asset class here in equity.

  10. Dear Basu,
    Can you advise whether sip in PGIM India flexi cap fund direct growth plan is a wise decision.

  11. Hi Mr.Basu,
    Very good insight
    The way the article is organised is appreciable.
    Keep blogging.

  12. Dear Basu,
    Thank you Basu for taking your time to give the answers. I am talking about aggressive hybrid fund from ICICI fund house. Currently I am invested in HDFC hybrid equity fund and continuing. I concur your views on this fund.
    Best,

    1. Dear Kaushik,
      Post-Covid, I am a little bit apprehensive about these Hybrid Funds debt portfolios. As there is no clarity on the definition by SEBI, the fund manager has complete freedom to play with yield and credit risk. Hence, I thought of avoiding it. However, if this forms a small portion of your overall equity portfolio, then continue.

  13. Dear Basu,
    It seems you have exited from HDFC sensex index fund and added PP Flexi Cap fund. Can
    you give your thought over ICICI debt and equity fund. Since it has an outstanding long track record and one of the
    oldest fund. I don’t understand why you keep recommending ABSL Tax 96 in elss category. I am a investor in this for
    last 4 years but it remains most of the time in lowest quartile. One more thing what difference can it make if you
    put only 20% in actively managed fund. One more thing i will expect from you if you kindly write a blog on factor
    based index investing as currently there are plethora of such funds. Keep on your honest work.

    1. Dear Kaushik,
      I have exited from HDFC Sensex Fund not because of fund because of goal is nearby. I am not sure about which ICICI Debt and Equity Fund you are pointing. Can you elaborate? Yes, I wish for a minimal call on active. Surely, will write on factor-based index funds (it’s long-pending and will do soon).

  14. Hello Sir,
    Since this blog is exclusively on mutual funds, so I agree to your points. Well explained, that is helpful.
    But in my case, to invest in India’s growth and economy, I would prefer investing in ETF’s like nifty bees over conventional index funds. This is for below reasons:

    1) ETF’S are bought and sold at there real market prices. Whereas if I buy an index fund after 1:30pm, I will get the NAV price of next day’s closing. So in index fund there could be a delay in one day, which could lead to buying units at undesirable price.

    2) Index funds comes with exit loads and expense ratios, whereas we don’t bear such additional cost on ETF’s

    3) Many index funds imposes a minimum investment of Rs 500 or sometimes Rs 1000 and above to start investment. But in contrast many ETF’s like nifty bees are available below Rs 200 price. So it is in reach of many new investors or students who wish to start their journey.

    4) Liquidity and Volume is also not much of a problem for many ETF’s as they have gained enough popularity and exposure in Indian equity market, compare to how it was 10 years back.

    5) ETF’s are available to give international exposure, example mirae asset MAFANG or MASTOP150. Whereas through mutual funds the way is through funds-of-funds which charges double and have higher expense ratio.

    1. Dear Durgesh,
      1) Does one day NAV matter a lot for long-term investors? Personally, I feel it hardly impacts.
      2) ETFs also have expense ratios but not exit load. Why we have to bother about exit load when our view is long term? Yes, if we think cost, ETFs are better However, liquidity is still a concern (especially during market fall).
      3) How does it matters to someone whose investments are in thousands or lakhs?
      4) Check volume during falling market. You may not get the right price.
      5) Check the tracking error.

  15. I wants to invest one time investment on Rs 30L Kindly advise which are the best options. The goals is to meet the expenses of my daughters marriage, which would taken place next 5 to 8 years.

  16. Hi Basu,
    Very good insights
    The way the article is organized is excellent. No section in your article is skippable.

    Keep up the good work and keep blogging.

  17. Hello Sir,
    Thank you so much for the most awaited article. I have one question regarding suggestions on Flexi cap funds. I see, you have mentioned 2 funds for Axis.. Axis Multi Cap and Axis Flexi Cap.. And both funds are different. So which one did you mean in your suggestions.. Kindly clarify..

    Thank you.

  18. Love your approach and thought process to investing

    Thank you for this informative article

    Been a fan since 7 years

  19. Dear Basu Sir,

    Thank you very much for this blog. Many, including ME were waiting since 5 months for this blog. It has come out very excellent as usual.

    Regards

  20. Thanks a lot for posting.
    I would like to confirm that is it different or same parag parekh long term equity fund and parag parekh flexy cap fund direct growth?.

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