Best Mid-Cap Funds

Mid-Cap Funds are equity schemes that invest majorly in mid-cap stocks. Mid-cap stocks are the stock of companies that fall between the 101st to 250th rank in the market capitalization listing. Unit Linked Insurance Plan (ULIP) predominantly invests in mid-cap funds, which involve high risks and high returns to their investors. As per the SEBI guidelines, 65% of the total assets under the mid-cap funds should be invested in equity and equity-related investment instruments of mid-cap companies.

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Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.

Best Mid-Cap Funds

Here is a list of top mid-cap funds in the financial market.

Mid-Cap Fund Name	Fund Size	NAV	5 years	7 years	10 years
TATA AIA Life Insurance Whole Life Mid Cap Equity Fund	Rs. 8,405 Crore	73.96%	10.80%	13.85%	19.08%
TATA AIA Life Insurance Top 200 Fund	Rs. 623 Crore	84.63%	16.18%	17.25%	17.17%
Aditya Birla Capital Multiplier	Rs. 2,442 Crore	48.27%	8.53%	12.06%	16%
PNB Met Life Virtue II	Rs. 1,309 Crore	39.64%	14.32%	13.18%	15.58%
Axis Max Life Insurance High Growth Fund	Rs. 1,565 Crore	49.22%	13.10%	13.44%	15.21%
Bajaj Allianz Accelerator Mid-Cap Fund II	Rs. 4,255 Crore	43.39%	7.14%	12.44%	15.10%
HDFC Life Opportunities Fund	Rs. 27,193 Crore	39.95%	8.08%	11.81%	14.61%
ICICI Prudential Multi Cap Growth Fund	Rs. 17,624 Crore	31.385	5.44%	7.74%	11.54%

Tata AIA Life – Whole Life Mid Cap Equity Fund

Following are the main highlights of TATA AIA Life Whole Life Mid Cap Equity Fund:
- The date of inception of this fund is 8th January 2007.
- Total fund size id Rs. 8,405 crores approximately.
- The Net Value Asset (NAV) stands at 73.96% currently.
- 70% is the total assets in stocks.
- The number of stock holdings is 45.
- The top 10 holding is 23.56%.
- 5 year returns are 10.80%, 7 years is 13.85%, whereas 10 year returns under the fund are 19.08%.
TATA AIA Life Insurance Top 200 Fund

Following are the main highlights of TATA AIA Life Insurance Top 200 Fund:
- The date of inception of this fund is 12th January 2009.
- Total fund size id Rs. 2,442 crores approximately.
- The Net Value Asset (NAV) stands at 48.27% currently.
- The fund falls under the category of India Insurance Mid-cap.
- The number of equity holdings is 29, whereas other holdings are 3.
- The top 10 holding is 33%.
- 5 year returns are 16.18%, 7 years is 17.25%, whereas 10 year returns under the fund are 17.17%.
Aditya Birla Capital Multiplier

Following are the main highlights of Aditya Birla Capital Multiplier Fund:
- The date of inception of this fund is 30th October 2007.
- Total fund size id Rs. 623 crores approximately.
- The Net Value Asset (NAV) stands at 84.63% currently.
- 98.74% is the total assets in stocks.
- The fund falls under the category of India Insurance Multi-cap.
- The number of stock holdings is 86.
- The top 10 holding is 21.62%.
- 5 year returns are 8.53%, 7 years is 12.06%, whereas 10 year returns under the fund are 16%.
PNB Met Life Virtue II

Following are the main highlights of PNB Met Life Virtue II Fund:
- The date of inception of this fund is 8th January 2010.
- Total fund size id Rs. 1,309 crores approximately.
- The Net Value Asset (NAV) stands at 39.64% currently.
- The number of equity holdings is 129, whereas other holdings are 5.
- The fund falls under the category of India Insurance Multi-cap.
- The top 10 holding is 27%.
- 5 year returns are 14.32%, 7 years is 13.18%, whereas 10 year returns under the fund are 15.58%.
Axis Max Life Insurance High Growth Fund

Following are the main highlights of Axis Max Life Insurance High Growth Fund:
- The date of inception of this fund is 26th February 2008.
- Total fund size id Rs. 1,565 crores approximately.
- The Net Value Asset (NAV) stands at 49.22% currently.
- 93.70% is the total assets in stocks.
- The fund falls under the category of India Insurance Mid-cap.
- The number of stock holdings is 70.
- The top 10 holding is 30.54%.
- 5 year returns are 13.10%, 7 years is 13.44%, whereas 10 year returns under the fund are 15.21%.
Bajaj Allianz Accelerator Mid-Cap Fund II

Following are the main highlights of Bajaj Allianz Accelerator Mid-Cap Fund II:
- The date of inception of this fund is 4th January 2010.
- Total fund size id Rs. 4,255 crores approximately.
- The Net Value Asset (NAV) stands at 43.39% currently.
- 98.62% is the total assets in stocks.
- The fund falls under the category of India Insurance Mid-cap.
- The number of stock holdings is 88.
- The top 10 holding is 22.49%.
- 5 year returns are 7.14%, 7 years is 12.44%, whereas 10 year returns under the fund are 15.10%.
HDFC Life Opportunities Fund

Following are the main highlights of HDFC Life Opportunities Fund:
- The date of inception of this fund is 4th January 2010.
- Total fund size id Rs. 27,193 crores approximately.
- The Net Value Asset (NAV) stands at 39.95% currently.
- 76.96% is the total assets in stocks.
- The fund falls under the category of India Insurance Mid-cap.
- The number of stock holdings is 60.
- The top 10 holding is 24.32%.
- 5 year returns are 8.08%, 7 years is 11.81%, whereas 10 year returns under the fund are 14.61%.

To sum up!

Mid Cap Funds are beneficial investment options for investors willing to take high risks for higher returns. These funds are ideal for investors having a huge capital and are in a position to risk their money in life. However, an investor must be aware of the financial market and deeply understand how it works before putting their hard-earned money in any funds.

Happy investing!

FAQ's

Q. What things should an Investor consider before investing in mid-cap funds?
A. The investors should consider a lot of factors before proceeding with the investment, such as:
- Direct or Regular Plan: Regular plans are distributed through the brokers or distributors. Direct plans are purchased directly through mutual fund^^ companies. Since direct plans do not involve commission, the expense ratio is comparatively lower.
- Performance of the fund: Analyze the probable future returns in comparison with its historical performance. Understand the volatility of the fund, its strengths and its weakness.
- Exit load: Exit load is a percentage of proceeds deducted from the redemption of such units. Every mutual fund has a designated exit load mentioned specifically in the scheme document.
- Expense Ratio: The cost varies across various investments. This helps maximize your returns.
- Fund Manager: Comprehend the capabilities of the fund manager, their experience and reliability records, and qualifications and expertise.
Q. What are the advantages of mid-cap mutual funds?
A. Some advantages of midcap funds are:
- Low amount of Investment
- Better returns than large-cap funds
- Better transparency in NAV, expense ratio and investment portfolios
- Portfolio diversification
Q. What is the tax policy for mid-cap funds?

A. A 15% tax is charged on the capital gains if the investment is sold within 12 months. However, 10% charges are levied on the gains exceeding 1 Lakh if the units are sold after one year. Likewise, any dividend exceeding Rs. 5,000/- attracts TDS of 10%.
Q. Who should consider investing in mid-cap funds?

A. Any investors seeking wealth accumulation and willing to take risks can invest in mid-cap funds.
Q. For how long should you invest in a mid-cap mutual fund?

A. Mid-cap mutual funds are equity funds. Thereby it is imperative to stay invested for a minimum of 5 years to generate adequate returns.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
Tax benefit is subject to changes in tax laws
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^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in