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Aditya Birla Capital LimitedAditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 61,600 employees, the businesses of ABCL have a nationwide reach with over 1,690 branches and more than 200,000 agents/channel partners along with several bank partners.
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What is a Large and Mid-Cap Mutual Fund?
A Large and Mid-Cap Mutual Fund is an equity fund that invests its portfolio in a mix of Large and Mid-Cap stocks and securities to gain from long-term market growth.
Advantages of Large and Mid-Cap Mutual Funds
Growth potential
Being equity-oriented, Large and Mid-Cap Mutual Funds offer a good growth potential for long-term investors.
Portfolio diversification
As the fund invests in securities across two market caps, you benefit from a diversified portfolio investing in both Large and Mid-Cap stocks.
Professional management
Large and Mid-Cap Mutual Funds are actively managed schemes wherein experienced portfolio managers manage the portfolio.
Exposure to Different Growth Cycles
Investing in both large and mid-cap stocks allows participation in the growth phases of both stable, established leaders and potentially higher-growth, emerging companies.
Explore Large and Mid-Cap Funds
Most Popular
AUM: 23427(Cr)
Risk: Very High
- MIN. INVESTMENT 500
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹10000
- Get (30 Yrs) ₹24,850*
*Projections/estimations is backtested using historical data.
Most Popular
- AUM: 23427(Cr)
- Risk: High
- MIN. INVESTMENT 1000
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹15000
- Get (30 Yrs) ₹34,850*
*Projections/estimations is backtested using historical data.
Large and Mid-Cap Funds Returns Calculator
REGULAR INVESTMENT
SIP
Invest systematically in regular amounts and build a corpus with a disciplined investing habit.
ONE TIME INVESTMENT
Lump sum
Invest once with the facility of lump sum investing and save at your will. Time the market correctly and earn good returns.
Total Amount Invested
₹ 0
after 30 years you will get a return of
₹ 0
Disclaimer: Projections/estimations is backtested using historical data.
Total Amount Invested
₹ 0
after 30 years you will get a return of
₹ 0
Disclaimer: Projections/estimations is backtested using historical data.
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Understanding Large and Mid-Cap Funds
Table of Contents
What are Large and Mid-Cap Funds?
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Large and Mid-Cap Mutual Funds are equity schemes which combine securities across large and Mid-Cap market capitalisation. It offers a wider portfolio diversification so that investment risks are reduced.
What are the features of Large and Mid-Cap Funds?
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Actively managed equity mutual funds
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Good combination of mid-cap returns and large cap security
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Suitable for investors with a long-term investment horizon
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Invest through SIPs or lump sum
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Earn tax-free returns up to ₹1 lakh if you stay invested
What is the meaning of market capitalisation?
Market capitalisation means the total value of a company’s shares
The total number of listed shares is considered for calculation
The current market value is taken to calculate the market cap
Formula -
Market capitalisation = total number of outstanding shares X current market value per share
What should be the investment horizon for Large and Mid-Cap Funds?
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Large and Mid-Cap funds have a high risk profile
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They are prone to short-term volatility and negative investment returns
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To avoid short-term volatility, a long-term investment horizon is recommended
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A long-term horizon also helps earn attractive investment returns as large and Mid-Cap companies grow
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You also get a tax benefit on staying invested for a longer tenure
What is the tax implication of Large and Mid-Cap Funds?
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Returns up to ₹1 lakh are tax-free if you stay invested for 12 or more months
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Returns exceeding ₹1 lakh are taxed at 10%
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For redemption within 12 months, returns are taxed at 15%
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Dividends earned, if any, are taxed at your income tax slab rate
What are the payout options?
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Dividend option
Earn dividends on your investment at regular intervals
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Growth option
Accumulate the returns over the investment tenure and get a lump sum amount on redemption
FAQs On Large and Mid-Cap Funds
Which type of fund is suitable for you depends on your investment goals, risk tolerance, and investment horizon. Each type has its benefits.
While large-cap funds
help you avoid risk to a larger extent by investing in established company stocks, mid-cap funds carry relatively higher risk with more volatility and higher return potential. If you opt for Large & Mid-Cap Funds, you adopt a middle-ground strategy where you have the low-risk factor of the large-cap component plus the growth potential of the mid-cap component.
Large & Mid-Cap Funds are risky because of the balance between the volatility of mid-cap stocks and the relative stability of large-cap stocks. These funds can be lucrative if you invest wisely based on your investment horizon, risk appetite, and specific financial goals.
The minimum investment limit for Large & Mid-Cap Funds can vary based on the specific fund and the fund house. Generally, you can start a SIP in a large & mid-cap fund for as low as ₹100 and a lumpsum investment for as low as ₹1000.
At any point, investing for any financial goal depends on time horizon and risk tolerance. For education funding, consider the following.
• The ideal investment horizon for Large & Mid-Cap Funds is considered 5+ years. If your course starts in 5 years, consider diversifying your portfolio with other investments.
• If you have a low-risk tolerance, adding bonds should make your portfolio more conservative.
• Get a proper estimate of the amount you need for your education. If it’s time-sensitive, focus on capital preservation more than on aggressive growth.
• Ensure you have a fully safe, highly liquid emergency fund available. Relying completely on investments with the slightest risk would not be a wise option.
No, the allocation of Large & Mid-Cap Funds that go into large-caps and mid-caps is up to the fund manager
, subject to a minimum of 35% for each category as per SEBI guidelines. The fund manager is free to pick a variety of funds within the specific category. Hence, the fund's past performance would be a good sign to look out for before investing, although not indicative or reliable.
If you are particular about your allocations, you can choose to invest separately in large-cap and mid-cap funds so that you have the freedom to create your portfolio.
The key advantage of Large & Mid-Cap Funds is their in-built diversification across large-caps and mid-caps, giving you the balanced benefit of growth exposure and stability.
The biggest risk associated with Large & Mid-Cap Funds is due to market volatility carried by mid-caps. Midcap securities are prone to considerable price fluctuations, which might hamper the returns of the fund.
Yes, you can invest in Large & Mid-Cap Funds through SIP (Systematic Investment Plan) wherein you invest a fixed amount at regular intervals.
The exit load or the charge you would be liable to pay upon premature redemption of your large & mid-cap fund depends on your fund house. Please check the exit load percentage and the holding period for your fund before investing.
Yes, professional, expert fund managers monitor your Large & Mid-Cap Funds and make investment decisions aligned with your financial benefit. They try to minimise investment risks and maximise portfolio returns.
Large and mid-cap funds invest in a combination of companies with large market capitalisation and those with mid-level market capitalisation.
Investors seeking long-term capital growth - Large & mid-cap funds are ideal for an investment horizon of 5+ years. Hence, you should invest in them for your long-term financial goals and not for immediate goals. Long-term goals could include higher education, early retirement, etc.
Investors looking to invest in mid-cap but don't want to take a lot of risk - Mid-cap stocks provide a high return potential with high risk. For investors who want the benefits while hedging the risks, the large cap component of large & mid-cap funds fulfils the purpose.
Large & mid-cap Funds have delivered an average 19.93% p.a. returns in the past 5 years. Their 3 and 10-year annualised returns are 23.14% and 18.56% p.a. respectively.
You must consider your investment goals, investment horizon, the risks involved and your tolerance towards them, and the expense ratio of the large & mid-cap fund you pick.
No, there is no lock-in period for large & mid-cap funds.
Types of Equity Mutual Funds
Funds Based On Market Capitalisation
Funds Based On Investment Style
Other Asset Class Funds
ETF Funds
Invest in funds listed and traded on the stock exchange
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Fund of Funds
Mutual funds that invest in other mutual funds both in India and globally
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Hybrid Funds
Get a mix of equity, debt and other asset classes for a diversified portfolio
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Index Fund
Passively-managed mutual funds tracking a particular index
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