ITI Mutual Fund: Top Funds, Returns and How to Invest

ITI Mutual Fund is an AMFI-registered asset management company incorporated on 14 May 2018, managing ₹12,674.56 crore across 24 schemes. Sponsored by The Investment Trust of India Limited and Fortune Credit Capital Limited, it operates with a long-term, investor-focused philosophy supported by experienced equity and credit research teams.

Key takeaways

• ITI Mutual Fund manages ₹12,674.56 crore across 24 schemes
• Incorporated on 14 May 2018, the AMC has built a presence across 29 branches with over 196 employees
• The ITI Small Cap Fund leads equity performance with a 3-year return of 23.43% and a 5-year return of 17.59%
• The fund range spans equity, sectoral, and debt categories — from ultra short duration to flexi cap and ELSS
• ITI AMC is part of the ITI Group of Companies, a financial services conglomerate

What Is ITI Mutual Fund?

ITI Mutual Fund was established in 2018 with the aim of delivering long-term wealth creation solutions for Indian investors. Promoted by The Investment Trust of India Ltd, the AMC is part of the ITI Group of Companies, a financial services conglomerate that covers equity research (retail and institutional), equity broking (retail and institutional), investment banking, asset-based lending, and alternative investment funds.

The fund house brings together equity and credit researchers alongside investment managers who follow a distinctive investment philosophy. Since inception, it has grown to 29 branches and employs more than 196 professionals across India. The AMC is headed by MD Mr. Hitesh Thakkar and CEO Mr. Jatinder Pal Singh, with compliance managed by Ms. Nisha Sanjeev.

Top 10 ITI Mutual Fund Schemes Ranked by Invo Wealth

The table below covers the top 10 ITI Mutual Fund schemes ranked by Invo Wealth's internal score, showing returns across six months, one year, three years, and five years.

Performance data as of 5 September 2026.

All funds listed are Regular Plan - Growth option. CAGR = compound annual growth rate.

Standout Performers to Know

The ITI Small Cap Fund has been the strongest performer across all available timeframes — 67.97% over six months, 22.47% over one year, 23.43% over three years, and 17.59% over five years. The ITI Pharma and Healthcare Fund posted a 34.56% six-month return and carries the highest Sortino ratio among listed equity funds at 0.89, indicating better downside risk management.

For diversified equity exposure, the ITI Flexi Cap Fund returned 28.85% over six months and 16.83% over three years. The ITI Focused Fund recorded a three-year return of 17.28% with a maximum drawdown of -19.04%. The ITI ELSS Tax Saver Fund — the fund house's tax-saving equity option — shows a 3-year return of 15.84% and a 5-year return of 11.75%.

On the debt side, the ITI Banking & PSU Debt Fund (3-year: 6.51%, volatility: 0.99%) and the ITI Ultra Short Term Fund (3-year: 6.28%, volatility: 0.39%) offer low-volatility options for conservative or short-term investors.

Risk Profile of Top ITI Mutual Fund Schemes

The table below shows volatility, maximum drawdown, and Sortino ratios to help you match each fund to your risk appetite.

Among equity funds, the ITI Small Cap Fund carries the highest volatility at 23.18% and the deepest maximum drawdown at -24.40%, consistent with the small-cap segment. The ITI Pharma and Healthcare Fund shows a more contained risk profile at 17.05% volatility and a -17.64% maximum drawdown. Debt-oriented funds like the ITI Ultra Short Term Fund and ITI Banking & PSU Debt Fund post near-zero drawdowns (-0.06% and -0.37% respectively), making them appropriate for capital preservation goals.

How to Invest in ITI Mutual Fund

Investing in ITI Mutual Fund schemes is accessible through multiple channels:

• Via Invo Wealth: Sign up on Invo Wealth, get complete portfolio insights and start investing in mutual funds that actually suit you — including the full ITI scheme range
• Direct through ITI AMC: Visit the official ITI AMC website and transact using your folio number
• Other platforms: Any SEBI-registered online portal or mobile app that lists ITI Mutual Fund schemes

Increasing your SIP amount: ITI Mutual Fund offers a Step-up (top-up) SIP facility. Confirm availability with the fund house and use a Step-up Calculator to estimate the revised instalment before making changes.

Stopping a SIP: Place a Cancel SIP request online through the ITI AMC website using your folio number, contact your distributor, or use the platform where you originally invested.

Redeeming your investment: Submit an online redemption request via the ITI AMC website, use your investment platform, or visit the nearest branch with a completed physical form.

Conclusion

ITI Mutual Fund has grown steadily since its incorporation in May 2018, reaching ₹12,674.56 crore in AUM across 24 schemes. Its equity offerings — especially the Small Cap and Pharma & Healthcare funds — have delivered competitive returns across medium-term horizons, while debt options provide stability for more conservative investors. Past performance does not guarantee future returns; evaluate each scheme against your own risk profile and financial goals before investing.