Mutual fund mein average kitna return milta hai, types wise returns — complete Hindi guide.
Published by The Retail Trader · AUG 09, 2026 · Features
Mutual fund mein average kitna return milta hai, types wise returns — complete Hindi guide.
Ye aath baatein dhyaan mein rakho:
• Large Cap — 1 Year: 15-20%, 3 Years: 12-15%, 5 Years: 12-14%, 10 Years: 11-13%
• Mid Cap — 1 Year: 20-30%, 3 Years: 15-20%, 5 Years: 14-18%, 10 Years: 13-16%
• Small Cap — 1 Year: 25-40%, 3 Years: 18-25%, 5 Years: 16-22%, 10 Years: 14-18%
• Flexi Cap — 1 Year: 18-25%, 3 Years: 14-18%, 5 Years: 13-16%, 10 Years: 12-15%
• Index Fund — 1 Year: 15-20%, 3 Years: 12-15%, 5 Years: 12-14%, 10 Years: 12-14%
• ELSS — 1 Year: 18-25%, 3 Years: 14-18%, 5 Years: 13-16%, 10 Years: 12-15%
• Debt Fund — 1 Year: 6-8%, 3 Years: 6-7%, 5 Years: 6-7%, 10 Years: 6-8%
• Hybrid — 1 Year: 10-15%, 3 Years: 9-12%, 5 Years: 9-11%, 10 Years: 9-11%
Ye teen baatein dhyaan mein rakho:
• 2005-2015 — Nifty 50 CAGR: 12.5%, Best Category: Small Cap (18%)
• 2010-2020 — Nifty 50 CAGR: 10.8%, Best Category: Mid Cap (14%)
• 2015-2025 — Nifty 50 CAGR: 13.2%, Best Category: Small Cap (16%)
What to Expect:
• Large Cap/Index: 12-14% long-term
• Mid Cap: 14-18% long-term
• Small Cap: 16-22% long-term (but very volatile)
• Debt: 6-8% (stable, low risk)
What NOT to Expect:
• "50% returns every year" — Unrealistic
• "Guaranteed returns" — Market mein kuch guaranteed nahi
• "Past returns = Future returns" — Not true
Ye paanch baatein dhyaan mein rakho:
• Savings Account — Returns: 3-4%, Inflation: 6%, Real Returns: -2%
• FD — Returns: 6-7%, Inflation: 6%, Real Returns: 0-1%
• Gold — Returns: 8-10%, Inflation: 6%, Real Returns: 2-4%
• Real Estate — Returns: 8-12%, Inflation: 6%, Real Returns: 2-6%
• Equity MF — Returns: 12-15%, Inflation: 6%, Real Returns: 6-9%
Equity MF beats inflation by 6-9% — best wealth creator.
Ye baatein dhyaan mein rakho:
• 📌 MF AVERAGE RETURNS
• BY TYPE:
• 📊 Large Cap: 12-14% (10 years)
• 📊 Mid Cap: 14-18%
• 📊 Small Cap: 16-22%
• 📊 Index Fund: 12-14%
• 📊 Debt: 6-8%
• 📊 Hybrid: 9-11%
• REALITY:
• 📊 12-15% long-term realistic
• 📊 50% every year unrealistic
• 📊 Guaranteed returns = scam
• REAL RETURNS (after inflation):
• 📊 Equity MF: 6-9%
• 📊 FD: 0-1%
• 📊 Savings: -2%
• BEST WEALTH CREATOR:
• 📊 Equity MF > Gold > Real Estate > FD > Savings
Ye baatein dhyaan mein rakho:
• Mutual Fund Types | SIP vs Lump Sum | Nifty 50 Companies
The Retail Trader — educational market analysis. Not investment advice.
Ye article sirf educational hai — koi buy ya sell recommendation nahi, koi guaranteed return ka daawa nahi, aur koi advisory nahi. Rules, rates aur mechanics exchange, SEBI aur RBI time-time par badalte hain, isliye har number apne broker ya official source par khud verify karo.