Mutual Fund Sahi Hai,
Kya Aapka Mutual Fund Sahi Hai?

India's honest mutual fund scanner. Filter, sort, and rank — unbiased intelligence.

⭐ TOP RATED FUNDS

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🎯 INVESTOR RISK PROFILER

What Kind of Investor Are You?

8 questions · 2 minutes · Personalised fund recommendations

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🔍 ● LIVE FILTERS
Verdict Plan Category Sort By
FUND NAME CATEGORY SCORE ↕ 1Y RET ↕ 3Y RET ↕ VERDICT EXPENSE
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Showing up to 200 funds per view. Click any row to view deep fundamental analysis.

How BullWiser Scores Mutual Funds

BullWiser's Honest Score rates each mutual fund out of 10 across four independent pillars — Returns Quality, Charges & Costs, Stability & Risk, and Fund Quality. This methodology is inspired by SEBI's Mutual Fund Distributor certification framework (NISM Series V-A) and gives Indian retail investors a clear, bias-free signal about which funds deserve their money.

The 4 Scoring Pillars

  • Returns Quality (3/10): 1Y, 3Y, and 5Y CAGR vs category peers. Consistent outperformance matters — one good year doesn't count.
  • Charges & Costs (3/10): Expense Ratio (TER). Direct plans charge 0.1–1.2%; Regular plans charge 1.5–2.5%. A 1% TER difference compounds to lakhs of rupees over 15 years.
  • Stability & Risk (2/10): Sharpe Ratio (risk-adjusted returns) and Maximum Drawdown. A fund that falls 50% must double just to break even.
  • Fund Quality (2/10): AMC track record, fund age, and AUM. Funds under 3 years are marked "Under Evaluation" — insufficient history to judge.

Direct Plan vs Regular Plan — The Hidden Cost

Regular mutual fund plans pay a trail commission (typically 0.5–1.5% annually) to your distributor or broker — deducted from your returns every year. On a ₹10 lakh portfolio at 12% returns over 20 years: the Direct plan grows to ~₹96 lakh, while the Regular plan (with 1% higher TER) grows to only ~₹80 lakh. The ₹16 lakh difference is commission that silently left your pocket.

More Free Tools

→ SIP Calculator — Goal SIP, Step-up SIP & Capital Gains Tax calculator
→ Investor Risk Profiler — 8 NISM-aligned questions to find your risk profile
→ BullWiser Blog — Mutual fund guides for Indian investors

Frequently Asked Questions

What is BullWiser's Honest Score?

The Honest Score rates each mutual fund out of 10 on Returns Quality (3 pts), Charges & Costs (3 pts), Stability & Risk (2 pts), and Fund Quality (2 pts). 7+ = HIGH QUALITY; 5–6 = AVERAGE; 3–4 = BELOW AVERAGE; below 3 = POOR QUALITY.

What is the difference between Direct and Regular mutual fund plans?

Direct plans are bought directly from the AMC with no broker commission, giving them 0.5–1.5% lower expense ratios than Regular plans. Over 20 years, this compounds to ₹15–20 lakh on a ₹10 lakh investment.

How do I find the best mutual funds in India?

Use BullWiser's Fund Scanner: filter by category (Large Cap, Flexi Cap, ELSS, etc.), select verdict HIGH QUALITY, and sort by Honest Score. Look for Direct plans with low TER, consistent 3-year returns, and Sharpe Ratio above 1.0.

Is BullWiser free?

Yes — fund scanner, Honest Score, NAV chart, portfolio holdings, SIP calculator, risk profiler, and capital gains tax calculator are all free. PDF Audit Reports and Fund Comparison exports are paid features: ₹199 per PDF, or ₹499/month for up to 10 PDFs plus all premium features.

⚠️ Not Investment Advice: BullWiser is not a SEBI-registered investment adviser. All analysis is for educational purposes only. Full Disclaimer →

⭐ My Watchlist

Track your saved funds, monitor SIP performance, and get exit alerts — all in one place.

Fund Overlap Checker

Discover hidden duplication across your mutual fund portfolio. Add up to 5 funds to see shared holdings.

🔍 SELECT FUNDS TO COMPARE (2–5 FUNDS)
No funds selected yet. Search below.

💡 Overlap is calculated using AMFI-published monthly portfolio holdings. Data may be 30–45 days old.

🔀

Check Portfolio Duplication

Add 2–5 mutual funds above and hit Check Overlap to see
which stocks appear in multiple funds and how concentrated your portfolio really is.

Goal-Based SIP Calculator

Tell us your target corpus — we'll tell you the exact monthly SIP you need, inflation-adjusted.

🎯 YOUR GOAL
How much do you want to accumulate?
Conservative: 10% · Moderate: 12% · Aggressive: 14–15%
India's historical average ~6%. Used to show real purchasing power.
🎯

Enter your goal and click Calculate

We'll show you the exact SIP needed, inflation-adjusted target, and scenario comparison.

Capital Gains Tax Calculator

Budget 2024 rules — LTCG 12.5% (₹1.25L exempt) · STCG 20% · Debt at slab rate. Know your real in-hand amount before redeeming.

📋 REDEMPTION DETAILS
Equity: Large Cap, Mid Cap, Flexi Cap, Balanced Advantage ≥65%, etc. · ELSS has a 3-year statutory lock-in — redemption before 3 years is not permitted.
Don't know? Enter an expected CAGR below instead.
The ₹1.25L LTCG exemption is per financial year across all equity investments — including ELSS, stocks, and equity mutual funds.
📊

Know Your Tax Before You Redeem

Budget 2024: LTCG 12.5% above ₹1.25L · STCG 20% · Debt at slab. No surprises.

💡 LTCG HARVESTING STRATEGY
You can book up to ₹1.25 lakh of LTCG tax-free every financial year by redeeming equity units held over 1 year and immediately reinvesting. This resets your cost basis, reduces future tax, and costs you nothing (if done with Direct plans — no exit load after 1 year on most equity funds).

SIP Step-Up Calculator

Increasing your SIP by 10% every year can nearly double your final corpus. See the exact numbers.

📈 STEP-UP INPUTS
How much you'll increase SIP every year.
📈

See the power of annual SIP increases

A 10% step-up can grow your corpus by 60–80% compared to a flat SIP.

Regular → Direct Switch Calculator

See the exact rupees you're losing in a Regular plan — and a step-by-step guide to switch today.

💸 YOUR REGULAR PLAN DETAILS
⭐ LOAD FROM MY WATCHLIST
Select a saved fund to auto-fill all TER values.
🔍 SEARCH ANY FUND
Type any fund name to auto-fetch its Regular & Direct TER.
Your current portfolio value (check MF app or NSDL CAS).
Ongoing SIP going forward (enter 0 if lump sum only).
Usually 1.5–2.5%
Usually 0.1–1.2%
💸

See your true cost of staying in Regular

Most investors lose ₹1–5 lakh over 10 years in Regular plans without realising it.

💰 Lump Sum Calculator

Invest once and let compounding do the rest. See your future value, real returns after inflation, and year-by-year growth.

💰 YOUR ONE-TIME INVESTMENT
The lump sum you plan to invest today.
Equity funds avg 10–14%, debt funds 6–8%.
Longer horizon = compounding at its best.
India's avg inflation ~5–6%. Used to show purchasing-power adjusted return.
💰

See your lump sum grow

Enter your investment details and discover how compounding multiplies your wealth over time.

⚖️ Compare Funds

Add funds manually or upload your MF statement — BullWiser reads it and auto-adds your portfolio for comparison.

🔍 ADD FUNDS MANUALLY (up to 10)
📄 UPLOAD CAS STATEMENT PDF
Upload your CDSL or NSDL Consolidated Account Statement (CAS). BullWiser reads it locally — no data is sent to any server.
ℹ️ Get your CAS in 60 seconds:
  1. Go to MFCentral.com — official portal by CAMS + KFintech, covers all AMCs
  2. Enter your PAN → verify OTP on registered mobile
  3. Click Statements → CAS → Detailed → Download PDF
  4. Upload below — BullWiser reads it locally in your browser, nothing leaves your device
📂
Click or drag & drop your CAS PDF here
⚖️

Compare Funds Side by Side

Search and add funds above, or upload your MF statement PDF to auto-load your portfolio.