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Top 11 Mutual Funds That Delivered Positive Returns in Every Market Condition

Investing in mutual funds can be challenging, especially in volatile markets. However, some Flexi Cap mutual funds have consistently provided positive returns for four straight years (2021-2024), despite market fluctuations. These funds have proven to be resilient and profitable, making them strong contenders for long-term investments.

While 2025 has started with a slight dip, these funds have shown impressive historical performance. Let’s explore these top 11 mutual funds and their performance in detail.

Why These Funds Stand Out?

Flexi Cap funds offer diversification across large-cap, mid-cap, and small-cap stocks. This category was officially recognized by SEBI in November 2020, allowing fund managers the flexibility to adapt to market conditions.

The 11 funds listed below have never recorded a negative return from 2021 to 2024, making them ideal choices for investors looking for stability and growth.

Performance of the Top 11 Mutual Funds (2021-2025 YTD)

Fund Name 2021 2022 2023 2024 2025 (YTD)
Edelweiss Flexi Cap Fund 34.70% 0.68% 29.29% 25.38% -5.32%
Franklin India Flexi Cap Fund 40.31% 5.34% 30.75% 21.75% -3.81%
HDFC Flexi Cap Fund 36.17% 18.29% 30.60% 23.48% -1.42%
JM Flexicap Fund 32.94% 7.84% 39.99% 33.26% -6.36%
Kotak Flexicap Fund 25.37% 5.00% 24.20% 16.50% -2.80%
Mahindra Manulife Flexi Cap Fund 2.20% 1.37% 30.91% 14.64% -2.29%
Navi Flexi Cap Fund 32.85% 0.44% 24.24% 11.37% -3.83%
Quant Flexi Cap Fund 57.91% 11.10% 29.78% 15.28% -3.58%
SBI Flexi Cap Fund 30.77% 0.68% 22.81% 14.22% -1.44%
Shriram Flexi Cap Fund 20.42% 2.35% 26.58% 16.04% -11.08%
Taurus Flexi Cap Fund 22.08% 4.79% 26.90% 17.34% -4.14%

(Source: ACE MF, Returns as of February 4, 2025)

Key Observations:

  • All 11 funds posted positive returns for four straight years (2021-2024).
  • 2025 started with declines, but these funds have historically bounced back.
  • Quant Flexi Cap Fund had an exceptional return of 57.91% in 2021.
  • Shriram Flexi Cap Fund saw the largest 2025 YTD decline at -11.08%.

Fund-Wise Performance Breakdown

1. Edelweiss Flexi Cap Fund

  • Consistent positive growth over the last four years.
  • 2025 YTD performance: -5.32%.

2. Franklin India Flexi Cap Fund

  • Strong performer, delivering above-average returns.
  • 2025 YTD dip: -3.81%.

3. HDFC Flexi Cap Fund

  • Stable performer with one of the lowest declines in 2025 (-1.42%).

4. JM Flexicap Fund

  • Impressive 39.99% return in 2023.
  • 2025 YTD decline: -6.36%.

5. Kotak Flexicap Fund

  • Balanced growth over the last four years.
  • 2025 YTD decline: -2.80%.

6. Mahindra Manulife Flexi Cap Fund

  • Newer fund but consistently positive since 2021.
  • 2025 YTD decline: -2.29%.

7. Navi Flexi Cap Fund

  • Delivered a strong 32.85% return in 2021.
  • 2025 YTD decline: -3.83%.

8. Quant Flexi Cap Fund

  • Best performer in 2021 (57.91%).
  • 2025 YTD decline: -3.58%.

9. SBI Flexi Cap Fund

  • One of the largest Flexi Cap funds with steady performance.
  • 2025 YTD decline: -1.44%.

10. Shriram Flexi Cap Fund

  • Consistently profitable for four years.
  • 2025 YTD dip: -11.08% (largest among all).

11. Taurus Flexi Cap Fund

  • Never posted negative returns before 2025.
  • 2025 YTD decline: -4.14%.

Why Parag Parikh Flexi Cap Fund is Missing from This List?

Although Parag Parikh Flexi Cap Fund is a well-known name, it was excluded because it posted a negative return of -7.23% in 2022. However, it has a positive return of 0.30% in 2025 YTD.

Selection Criteria for These Funds

  • Only Flexi Cap mutual funds existing since 2021 or earlier were considered.
  • Funds that delivered positive returns every year from 2021-2024 were shortlisted.
  • Regular and growth options were analyzed for performance consistency.

Should You Invest in These Mutual Funds?

Despite market fluctuations, these 11 funds have demonstrated resilience and growth potential. However, 2025 has begun with some declines, so investors should assess market trends before making new investments.

Investment Recommendations:

✔️ Long-term investors: These funds are strong options for wealth accumulation.
✔️ New investors: Start with SIP investments and monitor market trends.
✔️ Short-term investors: Keep an eye on market conditions before making decisions.

Final Thoughts

The mutual fund market is dynamic, and while past performance is a good indicator, it is not a guarantee of future results. If you’re planning to invest, ensure you align your risk tolerance and financial goals before making a move.

📌 Disclaimer:
This article is for informational purposes only and should not be considered financial advice. Always consult a certified financial advisor before making investment decisions.

By choosing the right mutual funds, you can navigate market ups and downs while securing consistent growth for your investments. Stay informed and invest wisely!

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