⭐ TOP RATED FUNDS
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| FUND NAME | CATEGORY | SCORE ↕ | 1Y RET ↕ | 3Y RET ↕ | VERDICT | EXPENSE |
|---|---|---|---|---|---|---|
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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 →