Best ITI Mutual Funds in 2025
What are ITI Mutual Fund funds?
ITI Mutual Fund is a mutual fund Asset Management Company (AMC) that pools money from many different investors and invests them.
| Funds Included | All Fund Returns (3Y annualised) |
Top 5 fund Returns (3Y annualised) |
|---|---|---|
| 19 | 14.44% | 22.35% |
Trailing returns for ITI Mutual Fund funds
These are average returns over the indicated period.
Monthly trailing returns:| Dec-2025 | Nov-2025 | Oct-2025 | Sep-2025 | Aug-2025 | Jul-2025 |
|---|---|---|---|---|---|
| -0.93% | 0.50% | 3.03% | 1.18% | -1.62% | -1.26% |
Quarterly trailing returns:
| 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 | 2024Q3 |
|---|---|---|---|---|---|
| 2.58% | -1.72% | 8.39% | -3.99% | -2.11% | 5.46% |
Yearly trailing returns:
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| 4.52% | 18.98% | 23.74% | 3.47% | 15.68% | 5.84% |
Fundwise SIP, Lumpsum and SWP returns
Rolling SIP returns (less than 1 year)
| Fund | Any 1M SIP | Any 3M SIP | Any 6M SIP |
|---|---|---|---|
| ITI Banking And Financial Services Fund | 29.21% | 44.47% | 26.95% |
| ITI Overnight Fund | 5.29% | 5.3% | 5.32% |
| ITI Liquid Fund | 6.01% | 5.92% | 5.96% |
| ITI Multi Cap Fund | 4.65% | 11.13% | 7.89% |
| ITI Focused Fund | 29.38% | 28.58% | 27.67% |
| ITI Mid Cap Fund | -0.83% | 17.62% | 11.85% |
| ITI Pharma And Healthcare Fund | -25.2% | -7.1% | -3.32% |
| ITI Flexi Cap Fund | 5.51% | 13.56% | 12.06% |
| ITI Large Cap Fund | -0.95% | 12.34% | 8.51% |
| ITI ELSS Tax Saver Fund | -24.54% | 1.92% | 3.35% |
| ITI Value Fund | 2.88% | 17.78% | 12.24% |
| ITI Dynamic Bond Fund | 2.19% | 4.09% | 1.18% |
| ITI Banking PSU Debt Fund | 5.08% | 6.07% | 5.68% |
| ITI Arbitrage Fund | 6.54% | 6.6% | 6.46% |
| ITI Ultra Short Duration Fund | 6.28% | 6.24% | 6.18% |
| ITI Bharat Consumption Fund | 23.34% | 19.65% | 17.82% |
| ITI Balanced Advantage Fund | 4.9% | 10.42% | 8.91% |
| ITI Small Cap Fund | -25.7% | -6.07% | -1.45% |
| ITI Large Midcap Fund | 8.65% | 1.85% | 14.08% |
Note: Returns for less than one year are annualised. However, given the nature of the calculation, XIRR for such periods are not meaningful.
Rolling SIP returns (1 year or more):
| Fund | Any 1Y SIP | Any 3Y SIP | Any 5Y SIP |
|---|---|---|---|
| ITI Banking And Financial Services Fund | 17.74% | 16.98% | 0% |
| ITI Overnight Fund | 5.49% | 6.05% | 5.8% |
| ITI Liquid Fund | 5.87% | 5.96% | 5.97% |
| ITI Multi Cap Fund | 12.48% | 17.36% | 17.86% |
| ITI Focused Fund | 15.17% | 0% | 0% |
| ITI Mid Cap Fund | 12.56% | 22.85% | 0% |
| ITI Pharma And Healthcare Fund | 4.07% | 21.66% | 0% |
| ITI Flexi Cap Fund | 14.92% | 0% | 0% |
| ITI Large Cap Fund | 11.03% | 19.11% | 0% |
| ITI ELSS Tax Saver Fund | 15.55% | 20.58% | 18.68% |
| ITI Value Fund | 12.54% | 15.98% | 0% |
| ITI Dynamic Bond Fund | 5.95% | 6.76% | 0% |
| ITI Banking PSU Debt Fund | 4.93% | 7.73% | 7.16% |
| ITI Arbitrage Fund | 6.73% | 7.07% | 6.57% |
| ITI Ultra Short Duration Fund | 7.34% | 7.18% | 0% |
| ITI Bharat Consumption Fund | 0% | 0% | 0% |
| ITI Balanced Advantage Fund | 12.1% | 8.85% | 11.85% |
| ITI Small Cap Fund | 23.49% | 23.57% | 22.41% |
| ITI Large Midcap Fund | 9.09% | 0% | 0% |
Rolling Lumpsum returns
| Fund | Any 1Y | Any 3Y | Any 5Y |
|---|---|---|---|
| ITI Banking And Financial Services Fund | 15.8% | 15.51% | 0% |
| ITI Overnight Fund | 5.71% | 6.22% | 5.22% |
| ITI Liquid Fund | 5.01% | 5.02% | 5.06% |
| ITI Multi Cap Fund | 1.59% | 20.48% | 19.31% |
| ITI Focused Fund | 11.95% | 0% | 0% |
| ITI Mid Cap Fund | 4.58% | 25.02% | 0% |
| ITI Pharma And Healthcare Fund | 11.36% | 21.02% | 0% |
| ITI Flexi Cap Fund | 17.28% | 0% | 0% |
| ITI Large Cap Fund | 8.25% | 16.55% | 0% |
| ITI ELSS Tax Saver Fund | 8.0% | 20.92% | 20.07% |
| ITI Value Fund | 3.26% | 19.53% | 0% |
| ITI Dynamic Bond Fund | 5.5% | 7.25% | 0% |
| ITI Banking PSU Debt Fund | 4.88% | 7.63% | 6.33% |
| ITI Arbitrage Fund | 6.34% | 5.39% | 5.53% |
| ITI Ultra Short Duration Fund | 7.37% | 6.57% | 0% |
| ITI Bharat Consumption Fund | 0% | 0% | 0% |
| ITI Balanced Advantage Fund | 10.41% | 12.02% | 12.88% |
| ITI Small Cap Fund | 16.54% | 27.0% | 24.79% |
| ITI Large Midcap Fund | -0.39% | 0% | 0% |
Rolling SWP returns
| Fund | Any 1Y SWP | Any 3Y SWP | Any 5Y SWP |
|---|---|---|---|
| ITI Banking And Financial Services Fund | 14.3% | 13.35% | 0% |
| ITI Overnight Fund | 5.96% | 6.4% | 4.59% |
| ITI Liquid Fund | 5.03% | 4.13% | 4.14% |
| ITI Multi Cap Fund | -8.85% | 24.36% | 21.1% |
| ITI Focused Fund | 26.83% | 0% | 0% |
| ITI Mid Cap Fund | 11.82% | 28.5% | 0% |
| ITI Pharma And Healthcare Fund | 10.45% | 24.71% | 0% |
| ITI Flexi Cap Fund | 38.37% | 0% | 0% |
| ITI Large Cap Fund | 11.46% | 13.11% | 0% |
| ITI ELSS Tax Saver Fund | 20.97% | 24.29% | 20.3% |
| ITI Value Fund | -8.23% | 23.83% | 0% |
| ITI Dynamic Bond Fund | 5.22% | 7.84% | 0% |
| ITI Banking PSU Debt Fund | 4.63% | 7.53% | 5.42% |
| ITI Arbitrage Fund | 4.76% | 4.27% | 4.4% |
| ITI Ultra Short Duration Fund | 7.39% | 5.94% | 0% |
| ITI Bharat Consumption Fund | 0% | 0% | 0% |
| ITI Balanced Advantage Fund | 11.09% | 14.54% | 14.19% |
| ITI Small Cap Fund | 20.51% | 34.0% | 32.08% |
| ITI Large Midcap Fund | -8.67% | 0% | 0% |
SIP and SWP returns with step-up
Rolling SIP returns with 10% step-up
| Fund | Any 1Y SIP | Any 3Y 目↑ SIP | Any 5Y 目↑ SIP |
|---|---|---|---|
| ITI Banking And Financial Services Fund | 17.74% | 18.27% | 0% |
| ITI Overnight Fund | 5.49% | 6.03% | 5.82% |
| ITI Liquid Fund | 5.87% | 6.76% | 6.41% |
| ITI Multi Cap Fund | 12.48% | 16.73% | 17.51% |
| ITI Focused Fund | 15.17% | 0% | 0% |
| ITI Mid Cap Fund | 12.56% | 20.44% | 0% |
| ITI Pharma And Healthcare Fund | 4.07% | 17.05% | 0% |
| ITI Flexi Cap Fund | 14.92% | 0% | 0% |
| ITI Large Cap Fund | 11.03% | 13.1% | 0% |
| ITI ELSS Tax Saver Fund | 15.55% | 17.48% | 17.96% |
| ITI Value Fund | 12.54% | 15.42% | 0% |
| ITI Dynamic Bond Fund | 5.95% | 6.69% | 0% |
| ITI Banking PSU Debt Fund | 4.93% | 7.72% | 7.2% |
| ITI Arbitrage Fund | 6.73% | 7.46% | 6.74% |
| ITI Ultra Short Duration Fund | 7.34% | 7.18% | 0% |
| ITI Bharat Consumption Fund | 0% | 0% | 0% |
| ITI Balanced Advantage Fund | 12.1% | 11.82% | 11.8% |
| ITI Small Cap Fund | 23.49% | 20.12% | 21.18% |
| ITI Large Midcap Fund | 9.09% | 0% | 0% |
Rolling SWP returns with 10% step-up
| Fund | Any 1Y SWP | Any 3Y 目↑ SWP | Any 5Y 目↑ SWP |
|---|---|---|---|
| ITI Banking And Financial Services Fund | 14.3% | 12.05% | 0% |
| ITI Overnight Fund | 5.96% | 6.4% | 4.66% |
| ITI Liquid Fund | 5.03% | 6.91% | 4.88% |
| ITI Multi Cap Fund | -8.85% | 24.39% | 20.97% |
| ITI Focused Fund | 26.83% | 0% | 0% |
| ITI Mid Cap Fund | 11.82% | 29.08% | 0% |
| ITI Pharma And Healthcare Fund | 10.45% | 25.13% | 0% |
| ITI Flexi Cap Fund | 38.37% | 0% | 0% |
| ITI Large Cap Fund | 11.46% | 16.38% | 0% |
| ITI ELSS Tax Saver Fund | 20.97% | 24.8% | 20.35% |
| ITI Value Fund | -8.23% | 23.68% | 0% |
| ITI Dynamic Bond Fund | 5.22% | 7.86% | 0% |
| ITI Banking PSU Debt Fund | 4.63% | 7.55% | 5.51% |
| ITI Arbitrage Fund | 4.76% | 7.47% | 4.73% |
| ITI Ultra Short Duration Fund | 7.39% | 7.29% | 0% |
| ITI Bharat Consumption Fund | 0% | 0% | 0% |
| ITI Balanced Advantage Fund | 11.09% | 14.3% | 14.04% |
| ITI Small Cap Fund | 20.51% | 34.48% | 26.27% |
| ITI Large Midcap Fund | -8.67% | 0% | 0% |
Note:N.A. in returns indicate that the fund does not have sufficient history.
Tables have been updated on 14-Dec-2025
Frequently Asked Questions (FAQs) regarding ITI Mutual Fund
What is ITI Mutual Fund?
ITI Mutual Fund is a mutual fund Asset Management Company (AMC) which is a company that pools money from many different investors and invests them in stocks, bonds, cash and metals (like gold) to generate returns.
How big is ITI Mutual Fund?
ITI Mutual Fund offers 19 funds in total across various categories.
How safe are mutual funds offered by ITI Mutual Fund?
Mutual Funds from ITI Mutual Fund are regulated by the Securities and Exchange Board of India (SEBI), which ensures that certain rules apply to how the company operates its funds. However, mutual fund investments are subject to market risks (i.e. they go up and down in value) and there is no guarantee of any returns.
What returns are given by the mutual funds offered by ITI Mutual Fund?
Mutual Funds from ITI Mutual Fund have given an average 14.44% return in the last 3 years for a lump sum investment. Past returns do not guarantee returns in the future.
How much returns are given by the best mutual funds offered by ITI Mutual Fund?
The five best mutual Funds from ITI Mutual Fund have given an average 22.35% return in the last 3 years for a lump sum investment. Past returns do not guarantee returns in the future.
How much SIP returns are given by the best mutual funds offered by ITI Mutual Fund?
The five best mutual Funds from ITI Mutual Fund have given an average 18.14% return in the last 3 years for a monthly SIP investment. Past returns do not guarantee returns in the future.
How much SWP returns are given by the best mutual funds offered by ITI Mutual Fund?
The five best mutual Funds from ITI Mutual Fund have given an average 28.29% return pre-tax in the last 3 years for a monthly withdrawal via SWP. Past returns do not guarantee returns in the future.
How can I invest in ITI Mutual Fund mutual funds?
You can invest in ITI Mutual Fund mutual funds online through their official website, mobile app, or via third-party platforms like MFCentral and distributors. You may also invest offline by submitting a physical application form through an authorised mutual fund distributor.
How can I redeem my investments from ITI Mutual Fund?
Redemption of ITI Mutual Fund mutual funds can be done online through the AMC's website, MFCentral website, or through your distributor. The redemption amount is typically credited to your registered bank account within 1-3 business days, depending on the fund type.
Does ITI Mutual Fund charge any fees or expenses?
Yes. Mutual funds managed by ITI Mutual Fund charge an expense ratio, which covers management fees and operational costs. Additionally, some schemes may have exit loads if you redeem units before a specific period.
Is a PAN and KYC mandatory to invest in ITI Mutual Fund mutual funds?
Yes. As per SEBI regulations, investors must have a valid PAN and complete the KYC process before investing in any mutual fund offered by ITI Mutual Fund.
Where can I view the performance and NAV of ITI Mutual Fund funds?
You can check the latest NAVs and performance data of all ITI Mutual Fund mutual funds on their official website, AMFI's portal, or financial websites like Arthgyaan.
Does ITI Mutual Fund offer SIP (Systematic Investment Plan) options?
Yes. ITI Mutual Fund allows investors to invest through SIPs, which enable disciplined investing by allowing them to contribute a fixed amount at regular intervals. You can see the SIP performance of their funds on this page.
Does ITI Mutual Fund offer SWP (Systematic Withdrawal Plan) options?
Yes. ITI Mutual Fund allows investors to withdraw through SWPs, where you can withdraw a fixed amount at regular intervals like monthly. You can see the pre-tax SWP performance of their funds on this page.
What is the minimum investment amount in ITI Mutual Fund mutual funds?
The minimum investment amount in ITI Mutual Fund mutual funds varies by fund and plan. Typically, SIPs can start from ₹500 per month, while lump sum investments usually begin at ₹5,000.
How are mutual fund returns from ITI Mutual Fund taxed?
Taxation of funds from ITI Mutual Fund depends on the type of fund and the holding period. Equity and debt funds are taxed differently under capital gains rules as defined by the Income Tax Act.
How can I contact ITI Mutual Fund for support or queries?
You can reach ITI Mutual Fund through their customer care email, toll-free number, or by visiting their nearest branch office. Contact details are available on their official website.
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Equity Scheme funds Debt Scheme funds Hybrid Scheme funds Solution Oriented Schemes – Funds for Retirement and Children Other Schemes – ETFs and Fund of Funds Commodity Schemes – Funds Investing in Gold, Silver or BothDisclaimer: Mutual fund investments are subject to market risks, read all scheme related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of future performance of the schemes. The Mutual Fund is not guaranteeing or assuring any dividend under any of the schemes and the same is subject to the availability and adequacy of distributable surplus. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.
Note: NAVs and returns updated on 14-Dec-2025.
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