HAVE INVESTED IN INDIAN MUTUAL FUND?ADVISE NEEDED?

INVESTMENT QUERIES AND ADVISE NEEDED?
I invested in some indian mutual fund
on Ist Jan 2008.made mistake when sensex was hightest, The list of mutual funds i invested in are
1.Reliance Growth Fund-Retail Plan-Grwth
2.Sundaram Capex Opportunites-Growth
3.Sundaram Select Focus-Appreciation
4.Birla Midcap Fund-Growth
5.Fidelity Equity Fund-Growth option
6.JP Morgan India Equity Fund-Growth Pln
7.Sundaram Energy Oportunity Fund-Grwth
8.UTI-Infrstruture Advantage Fund Series 1
9.LIC Infrastruture Mutal Fund
10.ICICI [...]

Who gives higher returns of interest Banks or Investment companies when it comes to mutual funds?

Who’s going to give the best return in Mutual Funds, a bank or an investment company? Who’s less likely to have all the fees that come along with me investing in mutual funds?

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