Best Mutual Fund SIP Plan For April 2025: Motilal Oswal Midcap, HDFC Midcap Opp and More

Investing in mutual funds can be a good way to diversify your portfolio and gain exposure to a range of assets like stocks, bonds, or other securities. A mutual fund pools money from many investors to invest in a diversified portfolio of assets.

A fund manager decides how the fund’s money is allocated based on the fund’s objective. You, as an investor, own units in the mutual fund, and your share of the fund’s returns (either profits or losses) is proportional to the amount you’ve invested. In this blog, will explore best mutual fund SIP plan for April 2025;

Best Mutual Funds SIPs for April 2025

Note: The above mentioned schemes have been selected based on 3Y CAGR as of March 28, 2025

Overview of 5 Best Mutual Fund SIPs

1. Motilal Oswal Midcap Fund

Motilal Oswal Midcap Fund is an open-ended equity mutual fund by Motilal Oswal Mutual Fund. The scheme falls in the mid-cap category of mutual funds. It mainly invests in stocks of mid-sized companies with a percentage of stocks of other market capitalisations.

Key Metrics

• Expense Ratio: 0.68
• Tracking Error: 9.48

2. HDFC Mid-Cap Opportunities Fund

HDFC Mid-Cap Opportunities Fund is an open ended equity scheme predominantly investing in mid cap stocks. HDFC Mid-Cap Opportunities Fund follow a predominantly Mid cap strategy with a minimum exposure of 65% to Mid-Cap stocks.

Key Metrics

• Expense Ratio: 0.83
• Tracking Error: 4.77

3. HDFC Focused 30 Fund

HDFC Focused 30 Fund is an open ended equity scheme investing in maximum 30 stocks in large-cap, mid-cap and small-cap category. HDFC Focused 30 Fund have the flexibility to invest across market capitalization in stocks with high growth potential.

Key Metrics

• Expense Ratio: 0.71
• Tracking Error: 6.18

4. ICICI Pru India Opp Fund

ICICI Pru India Opp Fund aims to generate long-term capital appreciation by investing in opportunities presented by special situations such as corporate restructuring, Government policy and/or regulatory changes, companies going through temporary unique challenges and other similar instances.

Key Metrics

• Expense Ratio: 0.69
• Tracking Error: 5.87

5. SBI Long Term Equity Fund

SBI Long Term Equity Fund is an open ended Equity Linked Saving Scheme with a statutory lock-in period of 3 years and tax benefit. The fund invests a minimum of 80% of its assets in equity, cumulative convertible preference shares, fully convertible debentures, bonds etc

Key Metrics

• Expense Ratio: 1.07
• Tracking Error: 3.76

Things to Know Before Investing in Mutual Fund SIPs

• Costs and Fees: Look for mutual funds with low expense ratios, as high fees can erode long-term returns.
• Investment Objective: Determine your investment goals (retirement, savings, etc.), as this will guide your choice of fund type.
• Fund Performance: Past performance offers insight but is not a guarantee of future results.
• Diversification: Mutual funds provide built-in diversification by pooling your money with other investors to spread risk.
• Tax Considerations: Be mindful of capital gains distributions from mutual funds, which could impact your taxes.
• Liquidity: Mutual funds are generally liquid, allowing you to buy or sell shares at the end of each trading day.

Conclusion

Investing in mutual funds offers a balanced approach to building wealth through diversification, professional management, and accessibility. While they come with certain costs and risks, mutual funds can be an excellent choice for both new and experienced investors aiming for long-term financial goals

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Mutual Fund investments in the securities market are subject to market risks, read all the related documents carefully before investing.