Synopsis– This article highlights best performing large-cap mutual funds that has delivered high returns and stability in the last 3 years. These funds are ideal for investors seeking long-term growth with lower risk in blue-chip companies.
Top 10 large-cap mutual funds in 2025 giving consistent performance in last 3 years; they have beaten the Nifty 100 benchmark by a wide margin, offering 3-year SIP XIRR of 18.9– 22.5% with healthy AUMs, competitive expense ratios, and consistent long-term track records.
1. Nippon India Large Cap Fund
- 3Y SIP XIRR: 22.5% – Outperforms Nifty 100 by 4%.
- Market Price (NAV): ₹320
- 52-Week Low/High: ₹250 / ₹350
- AUM: ₹45,012 Cr – High liquidity for redemptions.
- Expense Ratio: 0.68% – Cost-efficient for long-term holds.
- Why Invest?: Consistent alpha from diversified holdings; ideal for steady growth.
2. ICICI Prudential Bluechip Fund
- 3Y SIP XIRR: 21.8% – Edges benchmark by 3.3%.
- Market Price (NAV): ₹95
- 52-Week Low/High: ₹75 / ₹105
- AUM: ₹71,840 Cr – Largest in category for stability.
- Expense Ratio: 0.90%
- Why Invest?: Blue-chip focus yields resilience in downturns.
3. Mirae Asset Large Cap Fund
- 3Y SIP XIRR: 21.2% – Surpasses index by 2.7%.
- Market Price (NAV): ₹110
- 52-Week Low/High: ₹90 / ₹120
- AUM: ₹40,000 Cr
- Expense Ratio: 0.55% – Among lowest, boosting net returns.
- Why Invest?: Strong sector allocation in financials/tech.
4. SBI Blue Chip Fund
- 3Y SIP XIRR: 20.9% – Beats Nifty by 2.4%.
- Market Price (NAV): ₹85
- 52-Week Low/High: ₹70 / ₹95
- AUM: ₹50,000 Cr
- Expense Ratio: 0.80%
- Why Invest?: PSU-heavy portfolio for dividend play.
5. HDFC Top 100 Fund
- 3Y SIP XIRR: 20.5% – Tracks benchmark closely with 2% alpha.
- Market Price (NAV): ₹78
- 52-Week Low/High: ₹65 / ₹88
- AUM: ₹38,251 Cr
- Expense Ratio: 1.00%
- Why Invest?: Legacy fund with proven track record.
Also read: Top 5 Flexi-Cap Mutual Funds Delivering Over 25% Returns in the Last 5 Years – Are You Holding Any?
6. UTI Mastershare Unit Scheme
- 3Y SIP XIRR: 20.1% – Consistent 1.6% outperformance.
- Market Price (NAV): ₹140
- 52-Week Low/High: ₹115 / ₹155
- AUM: ₹6,000 Cr
- Expense Ratio: 1.10%
- Why Invest?: India’s oldest equity fund for conservative bets.
7. DSP Large Cap Fund
- 3Y SIP XIRR: 19.8% – 1.3% above benchmark.
- Market Price (NAV): ₹55
- 52-Week Low/High: ₹45 / ₹62
- AUM: ₹6,398 Cr
- Expense Ratio: 0.75%
- Why Invest?: Value-oriented for market corrections.
8. Aditya Birla Sun Life Frontline Equity Fund
- 3Y SIP XIRR: 19.5% – Solid 1% edge.
- Market Price (NAV): ₹320
- 52-Week Low/High: ₹260 / ₹360
- AUM: ₹18,000 Cr
- Expense Ratio: 0.90%
- Why Invest?: Frontline focus for steady compounding.
9. Axis Bluechip Fund
- 3Y SIP XIRR: 19.2% – Benchmark beater by 0.7%.
- Market Price (NAV): ₹48
- 52-Week Low/High: ₹38 / ₹55
- AUM: ₹30,000 Cr
- Expense Ratio: 0.65%
- Why Invest?: Quality picks for risk-averse investors.
10. Canara Robeco Bluechip Equity Fund
- 3Y SIP XIRR: 18.9% – Reliable performer.
- Market Price (NAV): ₹70
- 52-Week Low/High: ₹58 / ₹78
- AUM: ₹16,281 Cr
- Expense Ratio: 0.50% – Ultra-low costs.
- Why Invest?: Low volatility for long-haul SIPs.
Performance Comparison: A Snapshot Table
| Fund Name | 3Y SIP XIRR (%) | Alpha vs Nifty (%) | AUM (Cr) | Expense Ratio (%) |
| Nippon India Large Cap | 22.5 | +4.0 | 45,012 | 0.68 |
| ICICI Prudential Bluechip | 21.8 | +3.3 | 71,840 | 0.90 |
| Mirae Asset Large Cap | 21.2 | +2.7 | 40,000 | 0.55 |
| SBI Blue Chip | 20.9 | +2.4 | 50,000 | 0.80 |
| HDFC Top 100 | 20.5 | +2.0 | 38,251 | 1.00 |
| UTI Mastershare | 20.1 | +1.6 | 6,000 | 1.10 |
| DSP Large Cap | 19.8 | +1.3 | 6,398 | 0.75 |
| Aditya Birla SL Frontline | 19.5 | +1.0 | 18,000 | 0.90 |
| Axis Bluechip | 19.2 | +0.7 | 30,000 | 0.65 |
| Canara Robeco Bluechip | 18.9 | +0.4 | 16,281 | 0.50 |
| Nifty 100 Benchmark | 18.5 | – | N/A | N/A |
Who Should Consider Large Cap Mutual Funds?
- Conservative to Moderate Investors: If you are an investor interested in producing stable returns with less volatility than mid or small cap.
- Long Term Investor: Suitable for someone who is investing for three to five plus years and earns wealth through compounding.
- Income Production Investor: If you are an investor looking for potential insulated dividend income and capital appreciation.
- New and Experienced Investor: If you are a new investor, large cap investing is a relatively “safe” form of investing in companies that are large capitalization blue chip stocks or if you are an experienced investor, large cap is typically the core holding of your portfolio.
- Risk Averse Investor: While you want to have equity exposure, you want your downside risk managed by investing in large cap companies that are financially solid.
Conclusion
The year 2025 is not a bad year for large-cap mutual funds when one looks at the history and the trend. These funds have proven time and again that they are capable of delivering superior returns above the benchmark. Moreover, they provide the advantages of safety, availability and, above all, the magic of compounding over the long term, which makes them a major core portfolio player. Their profile of medium risk and moderate growth makes them adaptable to both new and seasoned investors. In other words, they have turned out to be a smart and safe way of building up one’s wealth in times of economic uncertainty.
Written By Rachna Rajput
