Best large cap mutual funds in India are the go-to choice for investors seeking stability and long-term wealth creation. These funds invest in the country’s top 100 companies, offering both safety and consistent returns. In this guide, we list the best large cap funds for 2025–2035, compare performance, and share SIP strategies to help you build wealth securely.
Best Large Cap Mutual Funds in India
Why Large Cap Mutual Funds Are the Safest Bet for Long-Term Investors
When investors in India think of stability, large cap mutual funds often come first. These funds invest in the top 100 companies in India by market capitalization (as per SEBI classification).
Unlike mid-cap and small-cap funds that swing wildly, large caps provide:
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Stable returns during market volatility
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Exposure to blue-chip companies (Reliance, TCS, HDFC Bank, Infosys, ICICI Bank, etc.)
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Stronger governance, liquidity, and long-term growth
For investors with a 10-year horizon, large cap funds are excellent for compounding wealth with moderate risk.
Key Factors to Select the Best Large Cap Mutual Funds in 2025
Before picking funds, investors should look beyond short-term hype. Key parameters include:
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5-year and 10-year CAGR (Compounded Annual Growth Rate)
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Consistency of returns across market cycles
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Expense ratio (lower is better for long-term compounding)
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Fund manager track record
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Portfolio quality (sector allocation, top holdings)
Best Large Cap Mutual Funds for the Next 10 Years in India
After analyzing performance data, portfolio strength, and consistency, here are the top 2 large cap funds for 2025–2035:
1. SBI Bluechip Fund – Long-Term Stability Champion
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Fund House: SBI Mutual Fund
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Category: Large Cap Fund
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Launch Date: 2006
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Fund Manager: Sohini Andani (strong long-term track record)
Why This Fund?
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One of the oldest and most consistent performers in India’s large cap space.
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Exposure to top companies across financials, IT, energy, and consumer goods.
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Historically beat benchmark Nifty 100 TRI over 10-year periods.
2. Axis Bluechip Fund – Consistent Performer with Quality Focus
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Fund House: Axis Mutual Fund
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Category: Large Cap Fund
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Launch Date: 2010
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Fund Manager: Shreyash Devalkar
Why This Fund?
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Focus on high-quality growth stocks with good governance.
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Has shown strong downside protection during market corrections.
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Lower volatility compared to peers, making it ideal for first-time investors.
Comparative Table: Best Large Cap Mutual Funds (2025 Edition)
| Fund Name | 5-Year CAGR | 10-Year CAGR | Expense Ratio | Top Holdings (2025) | Ideal For |
|---|---|---|---|---|---|
| SBI Bluechip Fund | ~12–13% | ~15% | 1.6% (Reg), 0.8% (Dir) | Reliance, HDFC Bank, Infosys, ICICI Bank, ITC | Long-term stability |
| Axis Bluechip Fund | ~11–12% | ~14% | 1.7% (Reg), 0.7% (Dir) | HDFC Bank, Bajaj Finance, TCS, Kotak Bank, Avenue Supermarts | First-time investors |
(Returns are indicative, based on past data; mutual fund performance is market-linked and not guaranteed.)
SIP Strategy to Maximize Returns from Large Cap Funds
The best way to invest in large caps for 10 years is via Systematic Investment Plans (SIPs).
Example SIP Calculation:
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Monthly SIP: ₹10,000
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Duration: 10 years
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Expected CAGR: 12%
Future Value = ₹23.2 lakhs (Invested ₹12 lakhs, Profit ₹11.2 lakhs)
This shows the power of compounding when you stick to discipline.
Risk vs Reward: Why Large Caps Beat Inflation Safely
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FDs & RDs give ~6–7% (post-tax returns ~4.5–5%).
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Large cap mutual funds historically deliver ~11–13% CAGR.
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Beating inflation is essential for wealth creation, and large caps balance growth with safety.
Mistakes to Avoid While Investing in Large Cap Funds
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Investing for short term (1–3 years) – They work best for 7–10 years horizon.
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Chasing past returns – Look at consistency, not just best year.
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Not checking expense ratio – Even a 0.5% difference compounds massively over 10 years.
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Stopping SIPs during market falls – Market crashes are the best buying opportunities.
Who Should Invest in Large Cap Funds?
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First-time equity investors who want low risk.
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Salaried professionals planning retirement corpus.
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Conservative investors who want stable equity exposure.
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Anyone with a 10+ year investment horizon.
Other Strong Large Cap Alternatives to Track in 2025
While SBI Bluechip and Axis Bluechip top the list, investors can also track:
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ICICI Prudential Bluechip Fund
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Mirae Asset Large Cap Fund
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HDFC Top 100 Fund
Diversifying across 2 funds is usually sufficient for a long-term portfolio.
Conclusion: Building Wealth with Large Cap Mutual Funds in India
For the next decade, large cap funds remain a reliable wealth-building tool for Indian investors. Among the top performers, SBI Bluechip Fund offers long-term stability while Axis Bluechip Fund provides consistent quality-driven growth.
Start early, stay consistent with SIPs, and let compounding work its magic. The best time to start was yesterday, the second-best time is today.
FAQs on Large Cap Mutual Funds in India
Q1. Which is the best large cap mutual fund in India for 2025?
SBI Bluechip Fund and Axis Bluechip Fund are among the most consistent large cap funds for long-term investing.
Q2. Are large cap mutual funds safe for beginners?
Yes, large cap funds are less volatile than mid-cap and small-cap funds, making them safer for beginners.
Q3. What is the minimum investment for large cap mutual funds?
You can start with as little as ₹500 per month SIP.
Q4. Can large cap funds beat inflation in India?
Yes, historically they deliver ~11–13% CAGR, well above inflation (~6%).
Q5. Should I invest lump sum or SIP in large cap funds?
SIP is recommended as it averages market volatility and builds discipline.
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