All funds do not give the same returns. This depends on the Type of Fund, and the Channel you buy it from.

  1. Channel: If you go through a broker or an app that does not offer “Direct Plans” of Mutual Funds, then you will lost 40% more gain on your total portfolio. That is because the 1% to 1.5% commission that the broker takes adds upto 40% over the long run. Always go for Direct Plan Mutual Funds. Choose an online platform that makes it easy. Jama.co.in is one [Disclosure: I am with Jama]

  2. Type of Fund: Mutual Funds invest either in stocks or bonds.

    1. In general stocks give higher return over a longer period.

    2. Bonds are more predictable and give stable returns, but lesser than stocks.

In general, higher the risk, higher the return over a long enough time period. This applies to debt or bond funds too. You can easily fund the various sub categories and find the returns expectations.