{"id":12564,"date":"2026-02-28T17:24:13","date_gmt":"2026-02-28T11:54:13","guid":{"rendered":"https:\/\/lakshmishree.com\/blog\/?p=12564"},"modified":"2026-03-23T11:41:10","modified_gmt":"2026-03-23T06:11:10","slug":"multi-asset-allocation-funds","status":"publish","type":"post","link":"https:\/\/lakshmishree.com\/blog\/multi-asset-allocation-funds\/","title":{"rendered":"10 Best Multi-Asset Allocation Funds in India 2026: Are They Actually Safer?"},"content":{"rendered":"\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@graph\": [\n    {\n      \"@type\": \"BreadcrumbList\",\n      \"itemListElement\": [\n        {\n          \"@type\": \"ListItem\",\n          \"position\": 1,\n          \"name\": \"Home\",\n          \"item\": \"https:\/\/www.lakshmishree.com\/\"\n        },\n        {\n          \"@type\": \"ListItem\",\n          \"position\": 2,\n          \"name\": \"Blog\",\n          \"item\": \"https:\/\/www.lakshmishree.com\/blog\/\"\n        },\n        {\n          \"@type\": \"ListItem\",\n          \"position\": 3,\n          \"name\": \"Multi Asset Allocation Funds 2026\",\n          \"item\": \"https:\/\/www.lakshmishree.com\/blog\/multi-asset-allocation-funds-2026\"\n        }\n      ]\n    },\n    {\n      \"@type\": \"BlogPosting\",\n      \"headline\": \"Top 10 Multi Asset Allocation Funds in India 2026: Performance & Analysis\",\n      \"description\": \"A comprehensive guide to the best multi-asset allocation mutual funds in India for 2026, featuring performance tables for Quant, ICICI Prudential, SBI, and more.\",\n      \"datePublished\": \"2026-02-28\",\n      \"author\": {\n        \"@type\": \"Organization\",\n        \"name\": \"Lakshmishree Investment & Securities\",\n        \"url\": \"https:\/\/www.lakshmishree.com\/\"\n      },\n      \"publisher\": {\n        \"@type\": \"Organization\",\n        \"name\": \"Lakshmishree Investment & Securities\",\n        \"logo\": {\n          \"@type\": \"ImageObject\",\n          \"url\": \"https:\/\/www.lakshmishree.com\/logo.png\"\n        }\n      },\n      \"mainEntityOfPage\": {\n        \"@type\": \"WebPage\",\n        \"@id\": \"https:\/\/www.lakshmishree.com\/blog\/multi-asset-allocation-funds-2026\"\n      },\n      \"mainEntity\": {\n        \"@type\": \"ItemList\",\n        \"itemListElement\": [\n          { \"@type\": \"ListItem\", \"position\": 1, \"name\": \"Quant Multi Asset Fund\" },\n          { \"@type\": \"ListItem\", \"position\": 2, \"name\": \"Nippon India Multi Asset Allocation Fund\" },\n          { \"@type\": \"ListItem\", \"position\": 3, \"name\": \"UTI Multi Asset Allocation Fund\" },\n          { \"@type\": \"ListItem\", \"position\": 4, \"name\": \"SBI Multi Asset Allocation Fund\" },\n          { \"@type\": \"ListItem\", \"position\": 5, \"name\": \"Aditya Birla Sun Life Multi Asset Fund\" },\n          { \"@type\": \"ListItem\", \"position\": 6, \"name\": \"ICICI Prudential Multi Asset Fund\" },\n          { \"@type\": \"ListItem\", \"position\": 8, \"name\": \"HSBC Multi Asset Allocation Fund\" },\n          { \"@type\": \"ListItem\", \"position\": 7, \"name\": \"Kotak Multi Asset Allocation Fund\" },\n          { \"@type\": \"ListItem\", \"position\": 9, \"name\": \"Union Multi Asset Allocation Fund\" },\n          { \"@type\": \"ListItem\", \"position\": 10, \"name\": \"DSP Multi Asset Allocation Fund\" }\n        ]\n      }\n    }\n  ]\n}\n<\/script>\n\n\n\n<p>Multi asset allocation funds are gaining serious traction in India and it\u2019s not just a trend, it\u2019s a strategy. These funds don\u2019t put all your eggs in one basket. Instead, they spread your investment across equity, debt, and even gold automatically. Sounds smart? That\u2019s because it is.<\/p>\n\n\n\n<p>In this blog, we\u2019ll break down how these funds really work, what makes the best multi asset allocation fund stand out in 2026, and which ones are currently outperforming the rest. If you\u2019ve heard the term but never really understood the \u201cwhy\u201d behind the rising buzz, you\u2019re exactly where you need to be.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Content<\/h2><nav><ul><li class=\"\"><a href=\"#top-10-multi-asset-allocation-funds-in-india-2025\">Top 10 Multi Asset Allocation Funds in India 2026<\/a><\/li><li class=\"\"><a href=\"#what-is-a-multi-asset-allocation-fund\">What Is a Multi Asset Allocation Fund?<\/a><\/li><li class=\"\"><a href=\"#overview-of-multi-asset-allocation-funds-in-india-1\">Overview of Multi Asset Allocation Funds in India<\/a><ul><\/ul><\/li><li class=\"\"><a href=\"#why-choose-multi-asset-mutual-funds-in-2025\">Why Choose Multi Asset Mutual Funds in 2026?<\/a><\/li><li class=\"\"><a href=\"#key-things-to-consider-before-investing-in-a-multi-asset-allocation-fund\">Key Things to Consider Before Investing in a multi asset Allocation Fund<\/a><\/li><li class=\"\"><a href=\"#how-to-start-investing-in-multi-asset-allocation-funds-in-2025\">How to Start Investing in Multi-Asset Allocation Funds in 2026<\/a><\/li><li class=\"\"><a href=\"#asset-allocation-in-multi-asset-funds\">Asset Allocation in Multi-Asset Funds<\/a><\/li><li class=\"\"><a href=\"#advantages-of-asset-allocation-mutual-funds\">Advantages of Asset Allocation Mutual Funds<\/a><\/li><li class=\"\"><a href=\"#disadvantages-of-asset-allocation-mutual-funds\">Disadvantages of Asset Allocation Mutual Funds<\/a><\/li><li class=\"\"><a href=\"#conclusion\">Conclusion<\/a><\/li><li class=\"\"><a href=\"#\u2753-fa-qs\">Frequently Asked Questions<\/a><ul><li class=\"\"><a href=\"#faq-question-1747894784528\">What is a multi asset allocation fund?<\/a><\/li><li class=\"\"><a href=\"#faq-question-1747894796840\">Which is the best multi asset fund?<\/a><\/li><li class=\"\"><a href=\"#faq-question-1747894830328\">Can I invest via SIP in a multi asset allocation fund?<\/a><\/li><li class=\"\"><a href=\"#faq-question-1772278900805\">Which is the best multi asset fund in 2026? <\/a><\/li><li class=\"\"><a href=\"#faq-question-1772278957775\">What is the average return of multi asset funds?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"top-10-multi-asset-allocation-funds-in-india-2025\"><strong>Top 10 Multi Asset Allocation Funds in India 2026<\/strong><\/h2>\n\n\n\n<p>Here are the best multi-asset allocation funds in India based on their 1-year, 3-year, and 5-year returns. These funds offer a smart blend of equity, debt, and gold, perfect for investors who want diversification with solid historical performance.<\/p>\n\n\n\n<div class=\"wp-block-group is-vertical is-content-justification-stretch is-layout-flex wp-container-core-group-is-layout-b16ad781 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>Fund Name<\/strong><\/td><td><strong>1Y Return<\/strong><\/td><td><strong>3Y Return<\/strong><\/td><td><strong>5Y Return<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong> <a href=\"#1-quant-multi-asset-fund-direct-growth\">Quant Multi Asset Allocation Fund<\/a><\/strong><\/td><td>30.72%<\/td><td>26.09%<\/td><td>27.31%<\/td><\/tr><tr><td><strong> <a href=\"#4-nippon-india-multi-asset-allocation-fund-direct-growth\">Nippon India Multi Asset Allocation Fund<\/a><\/strong><\/td><td>28.61%<\/td><td>23.93%<\/td><td>18.62%<\/td><\/tr><tr><td><strong><a href=\"#3-uti-multi-asset-allocation-fund-direct-growth\">UTI Multi Asset Allocation Fund<\/a><\/strong><\/td><td>17.66%<\/td><td>22.03%<\/td><td>15.84%<\/td><\/tr><tr><td><strong> <a href=\"#6-sbi-multi-asset-allocation-fund-direct-growth\">SBI Multi Asset Allocation Fund<\/a><\/strong><\/td><td>25.61%<\/td><td>21.47%<\/td><td>16.25%<\/td><\/tr><tr><td><strong> <a href=\"#10-aditya-birla-sun-life-multi-asset-allocation-fund-direct-growth\">Aditya Birla Sun Life Multi Asset Fund<\/a><\/strong><\/td><td>27.88%<\/td><td>21.11%<\/td><td>-<\/td><\/tr><tr><td><strong><a href=\"#1-quant-multi-asset-fund-direct-growth\">ICICI Prudential Multi Asset Fund<\/a><\/strong><\/td><td>19.13%<\/td><td>21.06%<\/td><td>20.60%<\/td><\/tr><tr><td><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-black-color\">Kotak Multi Asset Allocation Fund<\/mark><\/strong><\/td><td>36.28%<\/td><td>-<\/td><td>-<\/td><\/tr><tr><td><strong>HSBC Multi Asset Allocation Fund<\/strong><\/td><td>34.10%<\/td><td>-<\/td><td>-<\/td><\/tr><tr><td><strong>Union Multi Asset Allocation Fund Direct-Growth<\/strong><\/td><td>31.15%<\/td><td>-<\/td><td>-<\/td><\/tr><tr><td><strong>DSP Multi Asset Allocation Fund<\/strong><\/td><td>29.76%<\/td><td>-<\/td><td>-<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n\n\n\n<p><em>These funds represent a mix of aggressive and balanced strategies. For anyone searching for the best multi asset mutual fund in 2026, this list is a solid starting point for research and comparison.<\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-a-multi-asset-allocation-fund\"><strong>What Is a Multi Asset Allocation Fund?<\/strong><\/h2>\n\n\n\n<p id=\"p-rc_d60aee2a6c9f5ac3-40\">In 2026, a Multi-Asset Allocation Fund has evolved into a \"shock-proof\" investment vehicle designed for the modern Execution Supercycle. These funds go beyond traditional mutual funds by diversifying your capital across multiple asset classes.<mark style=\"background-color:#ffffff\" class=\"has-inline-color\"> <\/mark><mark style=\"background-color:#d3e8c1\" class=\"has-inline-color\">Typically, they curate a strategic mix of Equity (Stocks), Debt (Bonds), and Gold\/Silver.<\/mark><mark style=\"background-color:#ffffff\" class=\"has-inline-color\"> <\/mark>Unlike single-category funds, these automatically rebalance your portfolio to mitigate risk and deliver smoother, risk-adjusted returns over time.<\/p>\n\n\n\n<p>As per<mark style=\"background-color:#dbf2ca\" class=\"has-inline-color\"> SEBI\u2019s mandate, these funds must maintain a minimum <strong>10% allocation across at least three <\/strong><\/mark><strong>distinct asset classes<\/strong>. In 2026, this structural safeguard is more critical than ever; it ensures you aren't over-exposed to stock market volatility. By spreading your money, these funds provide a built-in safety net that protects your wealth during black swan events or sector-specific downturns.<\/p>\n\n\n\n<p>Here is the restructured overview of the funds, arranged chronologically according to the performance table provided.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"overview-of-multi-asset-allocation-funds-in-india-1\"><strong>Overview of Multi Asset Allocation Funds in India<\/strong><\/h2>\n\n\n\n<p>In this section, we\u2019ll give you a quick overview of the top multi asset allocation funds in India for 2026. These summaries will help you understand how each fund works, what makes them unique, and whether they align with your goals.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"1-quant-multi-asset-fund-direct-growth\"><strong>1. Quant Multi Asset Fund Direct-Growth<\/strong><\/h3>\n\n\n\n<p>This fund is known for its aggressive investment style and bold asset positioning. With a stunning 3-year return of over 80%, it\u2019s one of the top-performing multi asset allocation funds in India. Suitable for high-risk investors who want strong returns and can handle market volatility.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>NAV:<\/strong> \u20b9175.26<\/li>\n\n\n\n<li><strong>Expense Ratio:<\/strong> 0.58%<\/li>\n\n\n\n<li><strong>AUM:<\/strong> \u20b94,763 Cr<\/li>\n\n\n\n<li><strong>Minimum Investment:<\/strong> \u20b95,000<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>1Y Return<\/strong><\/td><td><strong>3Y Return<\/strong><\/td><td><strong>5Y Return<\/strong><\/td><\/tr><\/thead><tbody><tr><td>30.72%<\/td><td>26.09%<\/td><td>27.31%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:18px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-nippon-india-multi-asset-allocation-fund-direct-growth\"><strong>2. Nippon India Multi Asset Allocation Fund Direct-Growth<\/strong><\/h3>\n\n\n\n<p>This fund has carved out a massive following by offering a high-octane equity core cushioned by a tactical secondary layer of gold and debt. Its ability to generate alpha in the 2026 market cycle, combined with a rock-bottom cost structure, makes it a top-tier contender for growth-oriented portfolios.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>NAV:<\/strong> \u20b932.88<\/li>\n\n\n\n<li><strong>Expense Ratio:<\/strong> 0.25%<\/li>\n\n\n\n<li><strong>AUM:<\/strong> \u20b99,845.12 Cr<\/li>\n\n\n\n<li><strong>Minimum Investment:<\/strong> \u20b95,000<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>1Y Return<\/strong><\/td><td><strong>3Y Return<\/strong><\/td><td><strong>5Y Return<\/strong><\/td><\/tr><\/thead><tbody><tr><td>28.61%<\/td><td>23.93%<\/td><td>18.62%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:19px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-uti-multi-asset-allocation-fund-direct-growth\"><strong>3. UTI Multi Asset Allocation Fund Direct-Growth<\/strong><\/h3>\n\n\n\n<p>A consistently reliable performer, this fund focuses on long-term wealth generation with a well-balanced approach. It is an ideal \"core\" portfolio holding for investors looking to stay invested across market cycles with a moderate risk appetite.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>NAV:<\/strong> \u20b995.12<\/li>\n\n\n\n<li><strong>Expense Ratio:<\/strong> 0.48%<\/li>\n\n\n\n<li><strong>AUM:<\/strong> \u20b98,420.15 Cr<\/li>\n\n\n\n<li><strong>Minimum Investment:<\/strong> \u20b95,000<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>1Y Return<\/strong><\/td><td><strong>3Y Return<\/strong><\/td><td><strong>5Y Return<\/strong><\/td><\/tr><\/thead><tbody><tr><td>17.66%<\/td><td>22.03%<\/td><td>15.84%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:19px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"4-sbi-multi-asset-allocation-fund-direct-growth\"><strong>4. SBI Multi Asset Allocation Fund Direct-Growth<\/strong><\/h3>\n\n\n\n<p>Benefiting from SBI\u2019s powerhouse fund management and deep investor trust, this fund is a cornerstone for conservative investors. In 2026, it remains a preferred \"Safe Harbor\" for those seeking steady equity and gold exposure without the extreme volatility of pure-growth funds.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>NAV:<\/strong> \u20b978.42<\/li>\n\n\n\n<li><strong>Expense Ratio:<\/strong> 0.52%<\/li>\n\n\n\n<li><strong>AUM:<\/strong> \u20b91,04,215.18 Cr<\/li>\n\n\n\n<li><strong>Minimum Investment:<\/strong> \u20b95,000<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>1Y Return<\/strong><\/td><td><strong>3Y Return<\/strong><\/td><td><strong>5Y Return<\/strong><\/td><\/tr><\/thead><tbody><tr><td>25.61%<\/td><td>21.47%<\/td><td>16.25%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:19px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"5-aditya-birla-sun-life-multi-asset-allocation-fund-direct-growth\"><strong>5. Aditya Birla Sun Life Multi Asset Allocation Fund Direct-Growth<\/strong><\/h3>\n\n\n\n<p>Although long-term return data isn\u2019t available, the fund has shown promising recent performance and is backed by a strong AMC. It's a good option for new investors starting their multi asset fund journey.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>NAV:<\/strong> \u20b919.42<\/li>\n\n\n\n<li><strong>Expense Ratio:<\/strong> 0.54%<\/li>\n\n\n\n<li><strong>AUM:<\/strong> \u20b96,120.45 Cr<\/li>\n\n\n\n<li><strong>Minimum Investment:<\/strong> \u20b91,000<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>1Y Return<\/strong><\/td><td><strong>3Y Return<\/strong><\/td><td><strong>5Y Return<\/strong><\/td><\/tr><\/thead><tbody><tr><td>27.88%<\/td><td>21.11%<\/td><td>-<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:17px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"6-icici-prudential-multi-asset-fund-direct-growth\"><strong>6. ICICI Prudential Multi Asset Fund Direct-Growth<\/strong><\/h3>\n\n\n\n<p>One of the most trusted names in the category, this fund has a balanced and actively managed strategy across equity, debt, and gold. With one of the highest AUMs, it's often seen as a go-to option for those looking for a stable multi-asset mutual fund.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>NAV:<\/strong> \u20b9912.40<\/li>\n\n\n\n<li><strong>Expense Ratio:<\/strong> 0.64%<\/li>\n\n\n\n<li><strong>AUM:<\/strong> \u20b980,768.23 Cr<\/li>\n\n\n\n<li><strong>Minimum Investment:<\/strong> \u20b95,000<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>1Y Return<\/strong><\/td><td><strong>3Y Return<\/strong><\/td><td><strong>5Y Return<\/strong><\/td><\/tr><\/thead><tbody><tr><td>19.13%<\/td><td>21.06%<\/td><td>20.60%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:17px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"7-kotak-multi-asset-allocation-fund-direct-growth\"><strong>7. Kotak Multi Asset Allocation Fund Direct-Growth<\/strong><\/h3>\n\n\n\n<p>A high-momentum newcomer in the multi-asset category, this fund has quickly become a favorite for investors seeking aggressive short-term alpha. In 2026, it stands out for its tactical agility, successfully capturing the Execution Supercycle through a heavy concentration in high-growth equity sectors.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>NAV:<\/strong> \u20b918.42<\/li>\n\n\n\n<li><strong>Expense Ratio:<\/strong> 0.45%<\/li>\n\n\n\n<li><strong>AUM:<\/strong> \u20b95,842.10 Cr<\/li>\n\n\n\n<li><strong>Minimum Investment:<\/strong> \u20b95,000<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>1Y Return<\/strong><\/td><td><strong>3Y Return<\/strong><\/td><td><strong>5Y Return<\/strong><\/td><\/tr><\/thead><tbody><tr><td>36.28%<\/td><td>-<\/td><td>-<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"8-hsbc-multi-asset-allocation-fund-direct-growth\"><strong>8. HSBC Multi Asset Allocation Fund Direct-Growth<\/strong><\/h3>\n\n\n\n<p>A high-growth contender in the 2026 landscape, the HSBC Multi-Asset Allocation Fund has distinguished itself through an aggressive and agile equity strategy. Since its launch in early 2024, it has rapidly scaled its AUM by consistently outperforming the category average during the \"Execution Supercycle,\" making it a favorite for investors seeking high-momentum alpha with a safety net of precious metals.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>NAV:<\/strong> \u20b914.16<\/li>\n\n\n\n<li><strong>Expense Ratio:<\/strong> 0.45%<\/li>\n\n\n\n<li><strong>AUM:<\/strong> \u20b92,693.31 Cr<\/li>\n\n\n\n<li><strong>Minimum Investment:<\/strong> \u20b95,000<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>1Y Return<\/strong><\/td><td><strong>3Y Return<\/strong><\/td><td><strong>5Y Return<\/strong><\/td><\/tr><\/thead><tbody><tr><td>34.10%<\/td><td>N\/A<\/td><td>N\/A<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:18px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"9-union-multi-asset-allocation-fund-direct-growth\"><strong>9. Union Multi Asset Allocation Fund Direct-Growth<\/strong><\/h3>\n\n\n\n<p>The Union Multi Asset Allocation Fund has emerged as a high-momentum contender in the 2026 market. This fund is specifically engineered for investors who want to capitalize on India's \"Execution Supercycle\" while maintaining a legally mandated safety net. Its agile management style allows it to pivot between high-growth equities and defensive assets like gold and debt with high precision.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>NAV:<\/strong> \u20b916.85<\/li>\n\n\n\n<li><strong>Expense Ratio:<\/strong> 0.52%<\/li>\n\n\n\n<li><strong>AUM:<\/strong> \u20b91,245.30 Cr<\/li>\n\n\n\n<li><strong>Minimum Investment:<\/strong> \u20b91,000<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>1Y Return<\/strong><\/td><td><strong>3Y Return<\/strong><\/td><td><strong>5Y Return<\/strong><\/td><\/tr><\/thead><tbody><tr><td>31.15%<\/td><td>-<\/td><td>-<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:18px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"10-dsp-multi-asset-allocation-fund-direct-growth\"><strong>10. DSP Multi Asset Allocation Fund Direct-Growth<\/strong><\/h3>\n\n\n\n<p>The DSP Multi-Asset Allocation Fund has established itself as a high-momentum performer in the 2026 market cycle. Engineered for investors who want a \"best of all worlds\" approach, it aggressively rotates capital between domestic equities, international stocks, and commodities like gold and silver to maximize tax-efficient returns.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>NAV:<\/strong> \u20b915.82<\/li>\n\n\n\n<li><strong>Expense Ratio:<\/strong> 0.48%<\/li>\n\n\n\n<li><strong>AUM:<\/strong> \u20b93,142.15 Cr<\/li>\n\n\n\n<li><strong>Minimum Investment:<\/strong> \u20b9100<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>1Y Return<\/strong><\/td><td><strong>3Y Return<\/strong><\/td><td><strong>5Y Return<\/strong><\/td><\/tr><\/thead><tbody><tr><td>29.76%<\/td><td>-<\/td><td>-<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:21px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"why-choose-multi-asset-mutual-funds-in-2025\"><strong>Why Choose Multi Asset Mutual Funds in 2026?<\/strong><\/h2>\n\n\n\n<p>The year 2026 is expected to bring both opportunities and uncertainty in the financial markets. With inflation, global tensions, and interest rate swings in play, having all your money in one type of investment might be risky. That\u2019s where multi-asset mutual funds come in; they spread your money across different asset classes to balance risk and reward.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/lakshmishree.com\/blog\/portfolio-diversification-meaning\/\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/lakshmishree.com\/blog\/portfolio-diversification-meaning\/\" rel=\"noreferrer noopener\">Diversified exposure<\/a><\/strong> \u2013 Invests in equity, debt, and gold to manage risk effectively.<\/li>\n\n\n\n<li><strong>Reduced <a href=\"https:\/\/lakshmishree.com\/blog\/what-is-india-vix-volatility-index\/\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/lakshmishree.com\/blog\/what-is-india-vix-volatility-index\/\" rel=\"noreferrer noopener\">volatility<\/a><\/strong> \u2013 If stocks fall, bonds or gold may perform better, stabilising your portfolio.<\/li>\n\n\n\n<li><strong>Professional fund management<\/strong> \u2013 Experts adjust allocations based on market trends.<\/li>\n\n\n\n<li><strong>Good for long-term goals<\/strong> \u2013 Suitable for retirement, education, or wealth creation.<\/li>\n\n\n\n<li><strong>Beginner-friendly<\/strong> \u2013 Ideal for investors who want to grow wealth without handling multiple funds.<\/li>\n\n\n\n<li><strong>Better than fixed deposits (FDs)<\/strong> \u2013 Potential for higher returns with relatively lower risk than pure equity funds.<\/li>\n\n\n\n<li><strong>Tax-efficient options<\/strong> \u2013 Some multi-asset funds come with tax benefits if held long-term.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"909\" height=\"280\" src=\"https:\/\/lakshmishree.com\/blog\/wp-content\/uploads\/2025\/02\/Blog-in-article-banners-26.jpg\" alt=\"Start Investing - LISPL Investment\" class=\"wp-image-11711\" style=\"width:672px;height:auto\" srcset=\"https:\/\/lakshmishree.com\/blog\/wp-content\/uploads\/2025\/02\/Blog-in-article-banners-26.jpg 909w, https:\/\/lakshmishree.com\/blog\/wp-content\/uploads\/2025\/02\/Blog-in-article-banners-26-752x232.jpg 752w, https:\/\/lakshmishree.com\/blog\/wp-content\/uploads\/2025\/02\/Blog-in-article-banners-26-768x237.jpg 768w, https:\/\/lakshmishree.com\/blog\/wp-content\/uploads\/2025\/02\/Blog-in-article-banners-26-150x46.jpg 150w\" sizes=\"(max-width: 909px) 100vw, 909px\" \/><\/figure>\n<\/div>\n\n\n<div style=\"height:22px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"key-things-to-consider-before-investing-in-a-multi-asset-allocation-fund\"><strong>Key Things to Consider Before Investing in a multi asset Allocation Fund<\/strong><\/h2>\n\n\n\n<p>Before you jump into a multi asset allocation fund, it's important to understand a few key factors that can impact your investment. Here's what you need to look at:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Asset Allocation Strategy<\/strong> \u2013 Check how the fund divides money between equity, <a href=\"https:\/\/www.mutualfundssahihai.com\/en\/what-are-debt-funds\" data-type=\"link\" data-id=\"https:\/\/www.mutualfundssahihai.com\/en\/what-are-debt-funds\" target=\"_blank\" rel=\"noopener\">debt<\/a>, and <a href=\"https:\/\/lakshmishree.com\/blog\/best-gold-etfs-in-india-for-investment\/\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/lakshmishree.com\/blog\/best-gold-etfs-in-india-for-investment\/\" rel=\"noreferrer noopener\">gold<\/a>. Some may be more aggressive than others.<\/li>\n\n\n\n<li><strong>Fund Manager\u2019s Experience<\/strong> \u2013 A skilled fund manager makes smarter asset decisions based on market movements. Look for consistent performers.<\/li>\n\n\n\n<li><strong>Expense Ratio<\/strong> \u2013 This is the fee the fund charges to manage your money. A <a href=\"https:\/\/lakshmishree.com\/blog\/what-is-expense-ratio-in-mutual-funds\/\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/lakshmishree.com\/blog\/what-is-expense-ratio-in-mutual-funds\/\" rel=\"noreferrer noopener\">lower expense ratio<\/a> means better value for your returns.<\/li>\n\n\n\n<li><strong>Past Performance<\/strong> \u2013 While not a guarantee, checking 3-year and 5-year returns can show how well the fund has handled different market cycles.<\/li>\n\n\n\n<li><strong>Exit Load<\/strong> \u2013 Some funds charge a fee if you withdraw early. Always check the lock-in period and exit charges.<\/li>\n\n\n\n<li><strong>Tax Implications<\/strong> \u2013 Returns are taxed based on the type of asset held. Equity portions get different tax treatment than debt\u2014know how it affects you.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-start-investing-in-multi-asset-allocation-funds-in-2025\"><strong>How to Start Investing in Multi-Asset Allocation Funds in 2026<\/strong><\/h2>\n\n\n\n<p>One of the easiest and most beginner-friendly ways to start investing in multi asset allocation funds is through trusted online investment platforms that offer direct access to mutual funds without commissions.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Open a Free Demat Account:<\/strong>&nbsp;Visit the <a href=\"https:\/\/bit.ly\/lisl_blogs\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/bit.ly\/lisl_blogs\" rel=\"noreferrer noopener\">Lakshmishree website<\/a>, which supports direct mutual fund investments and has a simple, paperless account opening process that takes just a few minutes.<\/li>\n\n\n\n<li><strong>Log in and navigate to the \"Mutual Funds\" Section:<\/strong> Once logged in, go to the \u201cMutual Funds\u201d tab or dashboard. You\u2019ll find categories like equity, debt, hybrid, and multi-asset mutual funds.<\/li>\n\n\n\n<li><strong>Search for Multi Asset Allocation Funds:<\/strong> Type in top fund names like ICICI Prudential Multi Asset Fund, HDFC Multi Asset Allocation Fund, or Axis Multi Asset Allocation Fund. You can also filter by returns, AUM, or risk level.<\/li>\n\n\n\n<li><strong>Choose SIP or Lump Sum Investment:&nbsp;<\/strong> Decide how you want to invest:\n<ul class=\"wp-block-list\">\n<li>Go with a SIP (<a href=\"https:\/\/lakshmishree.com\/blog\/systematic-investment-plan-sip\/\" data-type=\"link\" data-id=\"https:\/\/lakshmishree.com\/blog\/systematic-investment-plan-sip\/\">Systematic Investment Plan<\/a>) to invest small amounts monthly (starting from \u20b9500).<\/li>\n\n\n\n<li>Or choose <a href=\"https:\/\/lakshmishree.com\/blog\/best-mutual-funds-for-lumpsum-investment\/\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/lakshmishree.com\/blog\/best-mutual-funds-for-lumpsum-investment\/\" rel=\"noreferrer noopener\">Lump Sum<\/a> if you want to invest a bigger amount at once for long-term goals.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"asset-allocation-in-multi-asset-funds\">Asset Allocation in Multi-Asset Funds<\/h2>\n\n\n\n<p>A multi asset allocation fund spreads your investment across at least three different asset classes\u2014commonly equity (stocks), debt (bonds), and gold. Each asset plays a different role in protecting and growing your wealth.<\/p>\n\n\n\n<p><strong>Here's how the allocation typically works:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Equity (Stocks)<\/strong> \u2013 Offers long-term growth and capital appreciation. Usually takes 30\u201365% of the fund.<\/li>\n\n\n\n<li><strong>Debt (Bonds or Fixed Income)<\/strong> \u2013 Brings stability and regular income, especially useful during market downturns. May form 20\u201350% of the fund.<\/li>\n\n\n\n<li><strong>Gold or Other Commodities<\/strong> \u2013 Acts as a <a href=\"https:\/\/www.investopedia.com\/terms\/i\/inflation-hedge.asp\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/www.investopedia.com\/terms\/i\/inflation-hedge.asp\" rel=\"noreferrer noopener\">hedge against inflation<\/a> and currency risks. Generally, 10\u201325%.<\/li>\n<\/ul>\n\n\n\n<p>The exact mix changes based on the fund manager\u2019s strategy and market conditions. Some funds are aggressive with higher equity, while others are more balanced with more debt and gold.<\/p>\n\n\n\n<p>For example, in a bearish market, the manager might reduce equity and increase gold holdings. And when markets are bullish, they might shift more toward equity to capture higher returns.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"advantages-of-asset-allocation-mutual-funds\"><strong>Advantages of Asset Allocation Mutual Funds<\/strong><\/h2>\n\n\n\n<p><strong>Multi asset mutual funds<\/strong> are becoming a go-to choice for Indian investors in 2026 and for good reason. These funds offer a smart, low-effort way to stay invested across different market conditions without the need to manage multiple investments on your own.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Built-in Diversification<\/strong>: Your money is spread across equity, debt, and gold\u2014helping reduce risk while aiming for stable returns.<\/li>\n\n\n\n<li><strong>Automatic Rebalancing<\/strong>: Fund managers adjust the allocation based on market movements, so you don\u2019t have to switch between asset classes manually.<\/li>\n\n\n\n<li><strong>Reduced Market Stress<\/strong>: When equity underperforms, debt or gold can help balance the fall\u2014making the fund less volatile than pure equity funds.<\/li>\n\n\n\n<li><strong>Beginner-Friendly Investing<\/strong>: Perfect for new investors who want exposure to multiple assets without needing deep market knowledge.<\/li>\n\n\n\n<li><strong>Goal-Based Flexibility<\/strong>: Whether you\u2019re planning for retirement, a home, or your child\u2019s education, asset allocation funds can fit into various financial goals.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><a href=\"https:\/\/bit.ly\/lisl_blogs\" target=\"_blank\" rel=\" noreferrer noopener\"><img fetchpriority=\"high\" decoding=\"async\" width=\"909\" height=\"280\" src=\"https:\/\/lakshmishree.com\/blog\/wp-content\/uploads\/2025\/02\/Blog-in-article-banners-26.jpg\" alt=\"Start Investing - LISPL Investment\" class=\"wp-image-11711\" style=\"width:672px;height:auto\" srcset=\"https:\/\/lakshmishree.com\/blog\/wp-content\/uploads\/2025\/02\/Blog-in-article-banners-26.jpg 909w, https:\/\/lakshmishree.com\/blog\/wp-content\/uploads\/2025\/02\/Blog-in-article-banners-26-752x232.jpg 752w, https:\/\/lakshmishree.com\/blog\/wp-content\/uploads\/2025\/02\/Blog-in-article-banners-26-768x237.jpg 768w, https:\/\/lakshmishree.com\/blog\/wp-content\/uploads\/2025\/02\/Blog-in-article-banners-26-150x46.jpg 150w\" sizes=\"(max-width: 909px) 100vw, 909px\" \/><\/a><\/figure>\n<\/div>\n\n\n<div style=\"height:23px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"disadvantages-of-asset-allocation-mutual-funds\"><strong>Disadvantages of Asset Allocation Mutual Funds<\/strong><\/h2>\n\n\n\n<p>While <strong>asset allocation mutual funds<\/strong> offer several benefits, they\u2019re not perfect. It\u2019s important to know the downsides before investing so that your expectations are realistic.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>May Underperform in Bull Markets<\/strong>: Because the fund doesn\u2019t invest fully in equity, it might deliver lower returns than pure equity funds during strong market rallies.<\/li>\n\n\n\n<li><strong>Higher <a href=\"https:\/\/lakshmishree.com\/blog\/what-is-expense-ratio-in-mutual-funds\/\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/lakshmishree.com\/blog\/what-is-expense-ratio-in-mutual-funds\/\" rel=\"noreferrer noopener\">Expense Ratios<\/a><\/strong>: Managing multiple asset classes often comes with slightly higher fund management fees compared to single-asset funds.<\/li>\n\n\n\n<li><strong>Limited Control Over Allocation<\/strong>: Investors don\u2019t get to choose how much goes into equity, debt, or gold\u2014the fund manager decides it all.<\/li>\n\n\n\n<li><strong>Tax Complexity<\/strong>: Since the fund holds multiple asset types, taxation can get tricky. Returns may be taxed differently based on the asset class proportions.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion\">Conclusion<\/h2>\n\n\n\n<p>As we move deeper into 2026, <strong>Multi-Asset Allocation Funds<\/strong> remain the most resilient approach for the Indian retail investor. By legally mandating exposure to at least three asset classes, these funds essentially build a safety net against <a href=\"https:\/\/lakshmishree.com\/blog\/what-is-india-vix-volatility-index\/\">volatile markets <\/a>directly into your <a href=\"https:\/\/lakshmishree.com\/blog\/portfolio-diversification-meaning\/\">Diversified portfolio<\/a>.<\/p>\n\n\n\n<p>For investors, the current market offers two distinct paths:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>The Aggressive Path:<\/strong> High-momentum funds like <strong>Quant<\/strong> and <strong>Kotak<\/strong> are successfully capturing massive alpha, with 1-year returns crossing the 30-36% mark.<\/li>\n\n\n\n<li><strong>The Stable Path:<\/strong> Institutional giants like <strong>ICICI Prudential<\/strong> and <strong>SBI<\/strong> offer unmatched capital protection, crossing the \u20b980,000 Cr - \u20b91 Lakh Cr AUM milestones by prioritizing consistency over speculation.<\/li>\n<\/ul>\n\n\n\n<p>Whether you are a beginner looking for a set-it-and-forget-it solution via SIP or a seasoned pro looking to hedge against inflation with gold and silver, the Best Multi-Asset Allocation Fund of 2026 is the one that aligns with your specific risk tolerance. In a year of rapid change, balance isn't just a strategy\u2014it's your greatest competitive advantage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u2753-fa-qs\">Frequently Asked Questions<\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<ol class=\"rank-math-list \">\n<li id=\"faq-question-1747894784528\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is a multi asset allocation fund?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>A multi asset allocation fund is a type of mutual fund that invests in at least three different asset classes\u2014usually equity, debt, and gold. The aim is to balance risk and reward by <a href=\"https:\/\/lakshmishree.com\/blog\/portfolio-diversification-meaning\/\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/lakshmishree.com\/blog\/portfolio-diversification-meaning\/\" rel=\"noreferrer noopener\">diversifying your money<\/a>, so if one asset underperforms, the others can potentially offset the losses. These funds are actively managed and often rebalanced depending on market conditions.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1747894796840\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Which is the best multi asset fund?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>As of 2026, the best multi asset funds include Quant Multi Asset Fund, ICICI Prudential Multi Asset Fund, UTI Multi Asset Allocation Fund, Nippon India Multi Asset Allocation Fund, and Tata Multi Asset Opportunities Fund. These funds have delivered impressive 3-year returns, backed by experienced fund managers and <a href=\"https:\/\/lakshmishree.com\/blog\/portfolio-diversification-meaning\/\" data-type=\"link\" data-id=\"https:\/\/lakshmishree.com\/blog\/portfolio-diversification-meaning\/\" target=\"_blank\" rel=\"noreferrer noopener\">diversified portfolios<\/a> across equity, debt, and gold.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1747894830328\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Can I invest via SIP in a multi asset allocation fund?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, absolutely. Most multi-asset mutual funds allow SIP (<a href=\"https:\/\/lakshmishree.com\/blog\/systematic-investment-plan-sip\/\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/lakshmishree.com\/blog\/systematic-investment-plan-sip\/\" rel=\"noreferrer noopener\">Systematic Investment Plan<\/a>) options starting as low as \u20b9500 per month. SIPs are a great way to invest regularly, reduce the impact of market volatility, and build wealth gradually over time.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1772278900805\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Which is the best multi asset fund in 2026?<\/strong> <\/h3>\n<div class=\"rank-math-answer \">\n\n<p>As of early 2026, the best fund depends on your goal:<br \/><strong>For Aggressive Returns:<\/strong> <strong>K<\/strong>otak Multi Asset Allocation and <strong>Q<\/strong>uant Multi Asset Fund are leaders, with 1-year returns exceeding <strong>30%<\/strong>.<br \/><strong>For Stability &amp; Trust:<\/strong> ICICI Prudential and SBI Multi Asset Allocation are the go-to choices due to their massive AUM and consistent long-term track records.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1772278957775\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the average return of multi asset funds?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>In the 2026 market cycle, the top-performing multi-asset funds have delivered 1-year returns between <strong>19% and 36%<\/strong>. Historically, over a 3-to-5-year period, these funds aim to provide <strong>12%\u201318% CAGR<\/strong>, which is generally higher than traditional fixed deposits or conservative hybrid funds.<\/p>\n\n<\/div>\n<\/li>\n<\/ol>\n<\/div>\n\n\n<pre class=\"wp-block-code\"><code><em><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\"><strong>Disclaimer:<\/strong> This article is intended for educational purposes only. Please note that the data related to the mentioned companies may change over time. The securities referenced are provided as examples and should not be considered as recommendations.<\/mark><\/em><\/code><\/pre>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Multi asset allocation funds are gaining serious traction in India and it\u2019s not just a trend, it\u2019s a strategy. These funds don\u2019t put all your eggs in one basket. Instead, they spread your investment across equity, debt, and even gold automatically. Sounds smart? That\u2019s because it is. In this blog, we\u2019ll break down how these [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":12571,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[269],"tags":[],"class_list":["post-12564","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-basics"],"_links":{"self":[{"href":"https:\/\/lakshmishree.com\/blog\/wp-json\/wp\/v2\/posts\/12564","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lakshmishree.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lakshmishree.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lakshmishree.com\/blog\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/lakshmishree.com\/blog\/wp-json\/wp\/v2\/comments?post=12564"}],"version-history":[{"count":5,"href":"https:\/\/lakshmishree.com\/blog\/wp-json\/wp\/v2\/posts\/12564\/revisions"}],"predecessor-version":[{"id":14481,"href":"https:\/\/lakshmishree.com\/blog\/wp-json\/wp\/v2\/posts\/12564\/revisions\/14481"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lakshmishree.com\/blog\/wp-json\/wp\/v2\/media\/12571"}],"wp:attachment":[{"href":"https:\/\/lakshmishree.com\/blog\/wp-json\/wp\/v2\/media?parent=12564"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lakshmishree.com\/blog\/wp-json\/wp\/v2\/categories?post=12564"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lakshmishree.com\/blog\/wp-json\/wp\/v2\/tags?post=12564"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}