Best IDF in 2026

Top performers by 3-year CAGR · Direct-Growth · NAV as of 30-Jun-2026

This list ranks the 36 idf on MoneyDock by their 3-year CAGR, computed from AMFI NAV history for the Direct-Growth plan. Nippon India Fixed Maturity Plan - Xlv - Series 5 currently leads with +9.01%.

Returns measure past performance only and should be one input among many — also weigh expense ratio, risk, fund house track record and how the fund fits your goals. Past performance does not guarantee future results.

#	Fund	3Y CAGR Return	NAV
1	Nippon India Fixed Maturity Plan - Xlv - Series 5	+9.01%	₹13.49
2	Trustmf Fixed Maturity Plan -Series II (1196 Days)	+8.57%	₹1,298.7
3	Kotak FMP Series 304	+7.99%	₹13.3
4	Nippon India Fixed Maturity Plan - Xli - Series 8	+7.96%	₹17.88
5	Nippon India Fixed Maturity Plan - Xliv - Series 1	+7.90%	₹13.51
6	Nippon India Fixed Maturity Plan - Xliii - Series 5	+7.86%	₹13.63
7	Nippon India Fixed Maturity Plan - Xliii - Series 1	+7.30%	₹13.41
8	SBI Fixed Maturity Plan (FMP) - Series 60 (1878 Days)	+5.32%	₹13.42
9	SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days)	+5.25%	₹17.84
10	SBI Fixed Maturity Plan (FMP) - Series 61 (1927 Days)	+5.24%	₹13.43
11	SBI Fixed Maturity Plan (FMP) - Series 58 (1842 Days)	+5.24%	₹13.51
12	SBI Fixed Maturity Plan (FMP) - Series 53 (1839 Days)	+5.23%	₹13.52
13	SBI Fixed Maturity Plan (FMP) - Series 49 (1823 Days)	+5.22%	₹13.51
14	SBI Fixed Maturity Plan (FMP) - Series 57 (1835 Days)	+5.22%	₹13.39
15	SBI Fixed Maturity Plan (FMP) - Series 51 (1846 Days)	+5.20%	₹13.46
16	SBI Fixed Maturity Plan (FMP) - Series 54 (1842 Days)	+5.20%	₹13.51
17	SBI Fixed Maturity Plan (FMP) - Series 55 (1849 Days)	+5.19%	₹13.48
18	SBI Fixed Maturity Plan (FMP) - Series 50 (1843 Days)	+5.19%	₹13.44
19	SBI Fixed Maturity Plan (FMP) - Series 6 (3668 Days)	+5.17%	₹17.35
20	SBI Fixed Maturity Plan (FMP) - Series 52 (1848 Days)	+5.17%	₹13.46
21	SBI Fixed Maturity Plan (FMP) - Series 34 (3682 Days)	+5.05%	₹14.94
22	SBI Fixed Maturity Plan (FMP) - Series 67 (1467 Days)	+5.03%	₹13.15
23	SBI Fixed Maturity Plan (FMP) - Series 46 (1850 Days)	+4.99%	₹13.58
24	SBI Fixed Maturity Plan (FMP) - Series 44 (1855 Days)	+4.94%	₹13.55
25	SBI Fixed Maturity Plan (FMP)-Series 81 (1157 Days)	+4.94%	₹12.48

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Frequently Asked Questions

Which is the best idf in 2026?

By 3-year CAGR, Nippon India Fixed Maturity Plan - Xlv - Series 5 currently tops this list with +9.01%. Rankings are based on past NAV performance and refresh daily — they are not a recommendation.

How are these funds ranked?

Funds are ranked purely by their 3-year CAGR, computed from AMFI NAV history for the Direct-Growth plan. We rank over the longest period the available history supports and extend toward longer 1-, 3- and 5-year windows as more NAV data is collected. Past performance does not guarantee future results.

Are these Direct or Regular plans?

All returns shown are for the Direct-Growth plan, which carries no distributor commission and therefore has a lower expense ratio and typically higher long-term returns than the Regular plan.

Returns are computed from AMFI NAV history for the Direct-Growth plan and rank past performance only. This is not investment advice — mutual fund investments are subject to market risks; read all scheme-related documents carefully.