Synopsis- Multi Asset Allocation Funds offer diversified investment in equity, debt and commodities especially gold,making them balanced investment in the volatile markets. These funds help in reducing risk and maintaining stable gains. In this article, we rank the best performing Multi-Asset Allocation Funds in 2025 based on 3 year SIP XIRR performance and other key metrics.
1. Quant Multi Asset Allocation Direct Growth
- 3-Year SIP XIRR: 22.31%
- AUM: ₹3,570 Crores as on 11-07-2025
- Expense Ratio: 0.58%
- NAV: ₹285.02
- Minimum Lump Sum: ₹5,000
- Minimum SIP: ₹1,000
- The fund has provided the best 3 years SIP returns in the category. Suitable for investors looking for long term growth.
2. Nippon India Multi Asset Direct Growth
- 3-Year SIP XIRR: 20.90%
- AUM: ₹6,367 Crores as on 11-07-2025
- Expense Ratio: 0.29%
- NAV: ₹23.18
- Minimum Lump Sum: ₹5,000
- Minimum SIP: ₹100
- This fund has the lowest expense ratio as compared to peers and has a good track record, which makes it a good value fund to the cost conscious investor.
3. ICICI Prudential Multi Asset Direct Growth
- 3-Year SIP XIRR: 19.93%
- AUM: ₹62,013 Crores as on 11-07-2025
- Expense Ratio: 0.67%
- NAV: ₹835.65
- Minimum Lump Sum: ₹5,000
- Minimum SIP: ₹100
- This multi asset fund has the largest Asset Under Management, trusted by many.
4. UTI Multi Asset Allocation Direct Growth
- 3-Year SIP XIRR: 19.84%
- AUM: ₹5,890 Crores as on 11-07-2025
- Expense Ratio: 0.59%
- NAV: ₹82.40
- Minimum Lump Sum: ₹5,000
- Minimum SIP: ₹500
5. SBI Multi Asset Allocation Direct Growth
- 3-Year SIP XIRR: 17.96%
- AUM: ₹8,940 Crores as on 11-07-2025
- Expense Ratio: 0.57%
- NAV: ₹66.32
- Minimum Lump Sum: ₹5,000
- Minimum SIP: ₹500
6. Tata Multi Asset Opportunities Direct Growth
- 3-Year SIP XIRR: 16.66%
- AUM: ₹3,956 Crores as on 11-07-2025
- Expense Ratio: 0.40%
- NAV: ₹25.81
- Minimum Lump Sum: ₹5,000
- Minimum SIP: ₹100
- The offering of this fund is preferred by cost-sensitive investors as it has one of the lowest expense ratios.
7. HDFC Multi Asset Fund Direct Growth
- 3-Year SIP XIRR: 15.93%
- AUM: ₹4,544 Crores as on 11-07-2025
- Expense Ratio: 0.77%
- NAV: ₹79.66
- Minimum Lump Sum: ₹100
- Minimum SIP: ₹100
- Best suited for investors looking for an entry with a minimum amount of 100.
8. Axis Multi Asset Allocation Direct Growth
- 3-Year SIP XIRR: 14.02%
- AUM: ₹1,483 Crores as on 11-07-2025
- Expense Ratio: 1.02%
- NAV: ₹46.25
- Minimum Lump Sum: ₹100
- Minimum SIP: ₹100
- It is the most expensive fund with a comparatively low SIP returns.
Table Showing Best Performing Multi-Asset Allocation Funds in 2025
| Fund Name | 3Y SIP XIRR (%) | Fund Size (Cr) | Expense Ratio (%) | NAV (₹) | Min Lumpsum (₹) | Min SIP (₹) |
| Quant Multi Asset Allocation – Direct Growth | 22.31% | ₹3,570 | 0.58% | ₹285.02 | ₹5,000 | ₹1,000 |
| Nippon India Multi Asset – Direct Growth | 20.90% | ₹6,367 | 0.29% | ₹23.18 | ₹5,000 | ₹100 |
| ICICI Prudential Multi Asset – Direct Growth | 19.93% | ₹62,013 | 0.67% | ₹835.65 | ₹5,000 | ₹100 |
| UTI Multi Asset Allocation – Direct Growth | 19.84% | ₹5,890 | 0.59% | ₹82.40 | ₹5,000 | ₹500 |
| SBI Multi Asset Allocation – Direct Growth | 17.96% | ₹8,940 | 0.57% | ₹66.32 | ₹5,000 | ₹500 |
| Tata Multi Asset Opportunities – Direct Growth | 16.66% | ₹3,956 | 0.40% | ₹25.81 | ₹5,000 | ₹100 |
| HDFC Multi Asset Fund – Direct Growth | 15.93% | ₹4,544 | 0.77% | ₹79.66 | ₹100 | ₹100 |
| Axis Multi Asset Allocation – Direct Growth | 14.02% | ₹1,483 | 1.02% | ₹46.25 | ₹100 | ₹100 |
Final Thoughts
Multi Asset Allocation Funds remain a reliable option for investors who look for diversification, and exposure to multiple market segments with an “all in one” Single fund. The Fund offers a balanced option for long term wealth creation to first time investors and for investors looking to hedge equity volatility.
Written by Prajwal Hegde
