What are the top performing Thematic-Consumption funds?

Based on 1-year returns, the top performing Thematic-Consumption funds are Tata India Consumer Fund - Direct Plan with 2.03% return, Kotak Consumption Fund - Direct Plan with 1.96% return, and Bank of India Consumption Fund - Direct Plan with 0.38% return. The category average 1-year return is -4.11%.

Which Thematic-Consumption funds have given the best returns over 3 years?

Over a 3-year period, the best performing Thematic-Consumption funds are Tata India Consumer Fund - Direct Plan with a 15.26% CAGR, Kotak Consumption Fund - Direct Plan with 12.46% CAGR, and Bank of India Consumption Fund - Direct Plan with 12.17% CAGR. The category average 3-year return stands at 11.44% CAGR.

Which Thematic-Consumption funds have given the best returns over 5 years?

Over a 5-year period, the top Thematic-Consumption funds are Tata India Consumer Fund - Direct Plan with a 15.45% CAGR, Kotak Consumption Fund - Direct Plan with 14.76% CAGR, and Bank of India Consumption Fund - Direct Plan with 14.33% CAGR. The category average 5-year return is 13.21% CAGR.

Which are the best Thematic-Consumption funds for SIP investment?

Based on average 5-year rolling returns, the best Thematic-Consumption funds for SIP are Canara Robeco Consumption Fund - Direct Plan with 5-year average rolling return of 18.57%, Mirae Asset Great Consumer Fund - Direct Plan with 18.46%, and Tata India Consumer Fund - Direct Plan with 18.28%. You can start a SIP in Thematic-Consumption funds with as little as ₹99 per month.

What are the largest Thematic-Consumption mutual funds by assets?

The largest Thematic-Consumption funds by Assets Under Management (AUM) are Aditya Birla Sun Life Consumption Fund - Direct Plan with ₹ 5,996.27 crore, Mirae Asset Great Consumer Fund - Direct Plan with ₹ 4,455.50 crore, and ICICI Prudential Bharat Consumption Fund - Direct Plan with ₹ 3,064.88 crore. Together, there are 31 Thematic-Consumption funds available in India.

What is the minimum amount to invest in Thematic-Consumption funds?

You can start investing in Thematic-Consumption funds with a minimum SIP of ₹99 per month or a minimum lumpsum of ₹100. The minimum investment varies across fund houses — some funds allow even lower entry points.

How are Thematic-Consumption fund returns taxed?

Gains from Thematic-Consumption funds held for less than 12 months are taxed at 20% (Short-Term Capital Gains). Gains on units held for 12 months or more are taxed at 12.5% (Long-Term Capital Gains), with ₹1.25 lakh per year being exempt per financial year. Dividends (IDCW) are taxed at your applicable income tax slab rate.

Which Thematic-Consumption funds have the lowest expense ratio?

Among Thematic-Consumption funds, Mirae Asset Nifty India New Age Consumption ETF FoF - Direct Plan has the lowest expense ratio at 0.11% (Direct Plan), followed by Tata BSE Multicap Consumption 50:30:20 Index Fund - Direct Plan at 0.27%. Lower expense ratios directly improve your net returns over the long term.

How many Thematic-Consumption mutual funds are available in India?

There are currently 31 Thematic-Consumption mutual funds available in India across different fund houses. You can compare all 31 funds on Sharpely based on returns, risk, AUM, and expense ratio to find the one that suits your investment goals.

mutual funds category

Thematic Consumption

Thematic-Consumption Funds

Thematic equity funds invest in stocks linked to a theme. These funds have a broader scope than sectoral funds, as they invest in stocks from various sectors that are linked to a particular theme. Energy thematic funds invest in energy-related stocks. As per the SEBI guidelines, a minimum of 80% of the funds will be invested in consumption-linked stocks.

Total Schemes

No. of schemes

Total AUM

₹ 0.40Lakh Cr

As on latest

Category Return (5Y)

13.21 %

CAGR

Benchmark

13.50%

NIFTY 500 TRI

Category Returns (%)

Period	1M	6M	1Y	3Y CAGR	5Y CAGR	10Y CAGR	YTD
Thematic-Consumption	-1.94 %	-8.96 %	-4.11 %	11.44 %	13.21 %	14.52 %	-8.08 %
Benchmark	-2.84 %	-10.91 %	-2.44 %	12.53 %	13.50 %	12.97 %	-9.65 %

Top Thematic-Consumption Funds (by AUM)

Fund Name	AUM (₹ Cr)	1Y Return	3Y CAGR	5Y CAGR	Expense Ratio
Aditya Birla Sun Life Consumption Fund - Direct PlanNAV: ₹224.52	5,996.27 Cr	-6.55%	10.42%	11.94%	0.83%
Mirae Asset Great Consumer Fund - Direct PlanNAV: ₹103.73	4,455.50 Cr	-2.98%	12.17%	14.33%	0.50%
ICICI Prudential Bharat Consumption Fund - Direct PlanNAV: ₹25.20	3,064.88 Cr	-4.66%	12.46%	14.22%	1.06%
SBI Consumption Opportunities Fund - Direct PlanNAV: ₹315.90	2,932.51 Cr	-8.62%	8.78%	13.83%	0.95%
Axis Consumption Fund - Direct PlanNAV: ₹8.85	2,869.48 Cr	-4.32%	-	-	0.68%
Tata India Consumer Fund - Direct PlanNAV: ₹50.35	2,590.64 Cr	2.03%	15.26%	15.45%	0.76%
Nippon India Consumption Fund - Direct PlanNAV: ₹202.64	2,442.86 Cr	-6.67%	11.40%	14.76%	1.82%
Canara Robeco Consumption Fund - Direct PlanNAV: ₹116.93	1,901.16 Cr	-5.72%	11.70%	13.19%	1.17%
HSBC Consumption Fund - Direct PlanNAV: ₹14.21	1,691.60 Cr	-0.06%	-	-	0.77%
Kotak Consumption Fund - Direct PlanNAV: ₹13.63	1,686.78 Cr	1.96%	-	-	0.63%
Sundaram Consumption Fund - Direct PlanNAV: ₹95.48	1,427.62 Cr	-8.43%	10.79%	11.95%	1.27%
Baroda BNP Paribas India Consumption Fund - Direct PlanNAV: ₹32.09	1,419.16 Cr	-4.88%	11.31%	12.56%	0.70%
Motilal Oswal Consumption Fund - Direct PlanNAV: ₹9.46	1,028.61 Cr	-	-	-	0.54%
HDFC Consumption Fund - Direct PlanNAV: ₹13.31	997.39 Cr	-5.37%	-	-	1.14%
UTI India Consumer Fund - Direct PlanNAV: ₹58.30	673.81 Cr	-3.18%	10.55%	10.95%	1.82%

About Thematic-Consumption Funds

What is it?

Objective

The objective of these funds is to generate maximum returns by investing in the stocks of consumption-linked companies.

Suitability and opinion

We believe that concentration risk is high in any thematic funds and the impact of the market cycle can be severe in this category. Though these funds may have higher diversification compared to sectoral funds, this category is suitable for informed investors who are comfortable with high risks as the fund will invest in companies with the same theme. These funds are suitable for investors that are bullish on the increasing consumption of the country. So, you should have a solid understanding of the theme before you invest in such funds. If there is a change in government policy affecting the theme, then it will impact the fund returns. Also, entry and exit timings matter in these funds, so we can not define the ideal time horizon for any particular thematic fund. Some themes may play out rapidly and others will take time. You should not allocate more than 10% of your portfolio to any thematic funds.

Thematic-Consumption vs Other Categories

5Y CAGR Return Comparison

14.18%

14.08%

13.21%

13.17%

12.85%

Thematic

Thematic-Quant

Thematic-Consumption

ELSS

Flexi Cap

Key Insights

Thematic-Consumption delivered 13.21% CAGR over the last 5 years.

It ranks #17 out of 24 categories based on 5Y performance.

Below the category average return of 15.13%.

16 categories outperform it, while 7 categories have lower returns.

Top performer: Thematic-PSU (24.47%).

Lowest performer: Sectoral-Technology (8.85%).

Let's have a closer look

Now let us jump and check about these top 15 mutual fund schemes.

Aditya Birla Sun Life Consumption Fund - Direct Plan

Fund Performance: Aditya Birla Sun Life Consumption Fund - Direct Plan has given 10.42% annualized returns in the past three years and 11.94% in the last 5 years. The Aditya Birla Sun Life Consumption Fund - Direct Plan comes under the Equity category of Aditya Birla Sun Life Mutual Fund.

Minimum Investment Amount: The minimum amount required to invest in Aditya Birla Sun Life Consumption Fund - Direct Plan via lump sum is ₹ 1,000.00 and via SIP is ₹ 100.00.

Min Investment Amt

₹ 1,000.00

AUM

₹ 5,996.27Cr

1Y Returns

-6.55%

Expense Ratio

0.83%

Mirae Asset Great Consumer Fund - Direct Plan

Fund Performance: Mirae Asset Great Consumer Fund - Direct Plan has given 12.17% annualized returns in the past three years and 14.33% in the last 5 years. The Mirae Asset Great Consumer Fund - Direct Plan comes under the Equity category of Mirae Asset Mutual Fund.

Minimum Investment Amount: The minimum amount required to invest in Mirae Asset Great Consumer Fund - Direct Plan via lump sum is ₹ 5,000.00 and via SIP is ₹ 99.00.

Min Investment Amt

₹ 5,000.00

AUM

₹ 4,455.50Cr

1Y Returns

-2.98%

Expense Ratio

0.50%

ICICI Prudential Bharat Consumption Fund - Direct Plan

Fund Performance: ICICI Prudential Bharat Consumption Fund - Direct Plan has given 12.46% annualized returns in the past three years and 14.22% in the last 5 years. The ICICI Prudential Bharat Consumption Fund - Direct Plan comes under the Equity category of ICICI Prudential Mutual Fund.

Minimum Investment Amount: The minimum amount required to invest in ICICI Prudential Bharat Consumption Fund - Direct Plan via lump sum is ₹ 5,000.00 and via SIP is ₹ 100.00.

Min Investment Amt

₹ 5,000.00

AUM

₹ 3,064.88Cr

1Y Returns

-4.66%

Expense Ratio

1.06%

SBI Consumption Opportunities Fund - Direct Plan

Fund Performance: SBI Consumption Opportunities Fund - Direct Plan has given 8.78% annualized returns in the past three years and 13.83% in the last 5 years. The SBI Consumption Opportunities Fund - Direct Plan comes under the Equity category of SBI Mutual Fund.

Minimum Investment Amount: The minimum amount required to invest in SBI Consumption Opportunities Fund - Direct Plan via lump sum is ₹ 5,000.00 and via SIP is ₹ 500.00.

Min Investment Amt

₹ 5,000.00

AUM

₹ 2,932.51Cr

1Y Returns

-8.62%

Expense Ratio

0.95%

Axis Consumption Fund - Direct Plan

Fund Performance: The Axis Consumption Fund - Direct Plan comes under the Equity category of Axis Mutual Fund.

Minimum Investment Amount: The minimum amount required to invest in Axis Consumption Fund - Direct Plan via lump sum is ₹ 100.00 and via SIP is ₹ 500.00.

Min Investment Amt

₹ 100.00

AUM

₹ 2,869.48Cr

1Y Returns

-4.32%

Expense Ratio

0.68%

Tata India Consumer Fund - Direct Plan

Fund Performance: Tata India Consumer Fund - Direct Plan has given 15.26% annualized returns in the past three years and 15.45% in the last 5 years. The Tata India Consumer Fund - Direct Plan comes under the Equity category of Tata Mutual Fund.

Minimum Investment Amount: The minimum amount required to invest in Tata India Consumer Fund - Direct Plan via lump sum is ₹ 5,000.00 and via SIP is ₹ 100.00.

Min Investment Amt

₹ 5,000.00

AUM

₹ 2,590.64Cr

1Y Returns

2.03%

Expense Ratio

0.76%

Nippon India Consumption Fund - Direct Plan

Fund Performance: Nippon India Consumption Fund - Direct Plan has given 11.40% annualized returns in the past three years and 14.76% in the last 5 years. The Nippon India Consumption Fund - Direct Plan comes under the Equity category of Nippon India Mutual Fund.

Minimum Investment Amount: The minimum amount required to invest in Nippon India Consumption Fund - Direct Plan via lump sum is ₹ 5,000.00 and via SIP is ₹ 100.00.

Min Investment Amt

₹ 5,000.00

AUM

₹ 2,442.86Cr

1Y Returns

-6.67%

Expense Ratio

1.82%

Canara Robeco Consumption Fund - Direct Plan

Fund Performance: Canara Robeco Consumption Fund - Direct Plan has given 11.70% annualized returns in the past three years and 13.19% in the last 5 years. The Canara Robeco Consumption Fund - Direct Plan comes under the Equity category of Canara Robeco Mutual Fund.

Minimum Investment Amount: The minimum amount required to invest in Canara Robeco Consumption Fund - Direct Plan via lump sum is ₹ 5,000.00 and via SIP is ₹ 1,000.00.

Min Investment Amt

₹ 5,000.00

AUM

₹ 1,901.16Cr

1Y Returns

-5.72%

Expense Ratio

1.17%

HSBC Consumption Fund - Direct Plan

Fund Performance: The HSBC Consumption Fund - Direct Plan comes under the Equity category of HSBC Mutual Fund.

Minimum Investment Amount: The minimum amount required to invest in HSBC Consumption Fund - Direct Plan via lump sum is ₹ 5,000.00 and via SIP is ₹ 500.00.

Min Investment Amt

₹ 5,000.00

AUM

₹ 1,691.60Cr

1Y Returns

-0.06%

Expense Ratio

0.77%

Kotak Consumption Fund - Direct Plan

Fund Performance: The Kotak Consumption Fund - Direct Plan comes under the Equity category of Kotak Mahindra Mutual Fund.

Minimum Investment Amount: The minimum amount required to invest in Kotak Consumption Fund - Direct Plan via lump sum is ₹ 100.00 and via SIP is ₹ 100.00.

Min Investment Amt

₹ 100.00

AUM

₹ 1,686.78Cr

1Y Returns

1.96%

Expense Ratio

0.63%

Sundaram Consumption Fund - Direct Plan

Fund Performance: Sundaram Consumption Fund - Direct Plan has given 10.79% annualized returns in the past three years and 11.95% in the last 5 years. The Sundaram Consumption Fund - Direct Plan comes under the Equity category of Sundaram Mutual Fund.

Minimum Investment Amount: The minimum amount required to invest in Sundaram Consumption Fund - Direct Plan via lump sum is ₹ 100.00 and via SIP is ₹ 100.00.

Min Investment Amt

₹ 100.00

AUM

₹ 1,427.62Cr

1Y Returns

-8.43%

Expense Ratio

1.27%

Baroda BNP Paribas India Consumption Fund - Direct Plan

Fund Performance: Baroda BNP Paribas India Consumption Fund - Direct Plan has given 11.31% annualized returns in the past three years and 12.56% in the last 5 years. The Baroda BNP Paribas India Consumption Fund - Direct Plan comes under the Equity category of Baroda BNP Paribas Mutual Fund.

Minimum Investment Amount: The minimum amount required to invest in Baroda BNP Paribas India Consumption Fund - Direct Plan via lump sum is ₹ 5,000.00 and via SIP is ₹ 500.00.

Min Investment Amt

₹ 5,000.00

AUM

₹ 1,419.16Cr

1Y Returns

-4.88%

Expense Ratio

0.70%

Motilal Oswal Consumption Fund - Direct Plan

Fund Performance: The Motilal Oswal Consumption Fund - Direct Plan comes under the Equity category of Motilal Oswal Mutual Fund.

Minimum Investment Amount: The minimum amount required to invest in Motilal Oswal Consumption Fund - Direct Plan via lump sum is ₹ 500.00 and via SIP is ₹ 500.00.

Min Investment Amt

₹ 500.00

AUM

₹ 1,028.61Cr

1Y Returns

Expense Ratio

0.54%

HDFC Consumption Fund - Direct Plan

Fund Performance: The HDFC Consumption Fund - Direct Plan comes under the Equity category of HDFC Mutual Fund.

Minimum Investment Amount: The minimum amount required to invest in HDFC Consumption Fund - Direct Plan via lump sum is ₹ 100.00 and via SIP is ₹ 100.00.

Min Investment Amt

₹ 100.00

AUM

₹ 997.39Cr

1Y Returns

-5.37%

Expense Ratio

1.14%

UTI India Consumer Fund - Direct Plan

Fund Performance: UTI India Consumer Fund - Direct Plan has given 10.55% annualized returns in the past three years and 10.95% in the last 5 years. The UTI India Consumer Fund - Direct Plan comes under the Equity category of UTI Mutual Fund.

Minimum Investment Amount: The minimum amount required to invest in UTI India Consumer Fund - Direct Plan via lump sum is ₹ 5,000.00 and via SIP is ₹ 500.00.

Min Investment Amt

₹ 5,000.00

AUM

₹ 673.81Cr

1Y Returns

-3.18%

Expense Ratio

1.82%