I Purchase HDFC top 200 fund in growth option before 2 years. Now returns appx 15-18% annual. I think its better than bank fixed deposit or recurring deposit. This fund performance is excellent. This fund assets value more than 12, 000 cr. I am happy to have in my Investment plan. I also suggest everyone if you want some smart returns then invest in this scheme even now you can purchase this fund for better and higher returns. Govt also remove capital gain tax on mutual fund so after one year no tension of taxes.