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Best Mutual Funds for SIP 2022

Updated on January 17, 2022 , 7460 views

SIP or Systematic Investment plan is one of the best ways to invest in Mutual Funds. It is a smart and hassle-free mode of Investing your money in Mutual Fund schemes. Here, you can invest a certain pre-determined amount at a regular interval (monthly/quarterly, etc.). As you can start your SIP investment with just INR 500, it makes the most affordable means of investment. Your money is auto-debited from your Bank account and invested into the scheme, which indirectly creates a habit of savings in the long-run. SIP investments are a great way to plan your Financial goals. You need to set a specific goal and estimate the time and amount required to fulfil it. Below are the best mutual funds for SIP based on the investment tenure and risk appetite. Investors can target their investment goals and achieve them on time by investing in these schemes.

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Top Mutual Funds for SIP Investment FY 22 - 23

Best Equity SIP Funds— For Long Term Wealth Creation

Equity Funds are expected to deliver high returns in the long-run, but are risky funds. Investors who can invest for more than 5 years are advised to invest in equity funds. One can also plan their long-term financial goals by investing in these funds.

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2021 (%)
ICICI Prudential Technology Fund Growth	₹167.97 ↓ -2.94	₹7,909	100	0.2	25.8	64.4	41.7	33.9	75.7
TATA Digital India Fund Growth	₹39.3463 ↓ -0.71	₹4,900	150	-0.9	26	59	39.5	33.7	74.4
Aditya Birla Sun Life Digital India Fund Growth	₹143.92 ↓ -2.55	₹3,176	100	1.4	22.6	58.2	41.2	32.6	70.5
SBI Technology Opportunities Fund Growth	₹157.251 ↓ -2.74	₹2,302	500	-0.4	20.3	52.8	36.2	29	66.4
Franklin India Technology Fund Growth	₹357.955 ↓ -6.30	₹789	500	0.3	16.9	30.6	32.3	26.2	39
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Jan 22

Best Debt SIP Funds— To Earn Optimal Returns

Debt fund are a good way to secure your money and generate average consistent returns. Investors who are looking for stable returns or those who want to invest for less than three years should consider investing in these funds.

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2021 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
UTI Credit Risk Fund Growth	₹13.744 ↑ 0.00	₹554	500	0.7	18.7	21.7	-5.9	21.5	6.28%	1Y 6M 22D	3Y
Baroda Pioneer Credit Risk Fund Growth	₹17.5153 ↑ 0.00	₹207	500	0.8	11	19.1	7.6	19.2	6.52%	2Y 29D	2Y 10M 20D
Nippon India Strategic Debt Fund Growth	₹12.4935 ↑ 0.00	₹240	100	0.2	1.4	17	-4.8	17.4	5.39%	2Y 4M 13D	2Y 10M 13D
Nippon India Credit Risk Fund Growth	₹27.5045 ↑ 0.00	₹1,110	100	1.3	3	13.4	2.8	13.5	6.89%	1Y 9M 4D	2Y 4M 2D
Sundaram Short Term Debt Fund Growth	₹36.3802 ↑ 0.01	₹362	250	0.8	11.4	12.8	5.3		4.52%	1Y 2M 13D	1Y 7M 3D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Jan 22

Best Balanced Funds— Earn Stable Returns + Create Long Term Wealth

Balanced Fund invest their money both in equity and debt funds. These are less volatile than pure equity Mutual Funds. Balanced funds deliver superior returns over a period of more than three years. Investors who want to invest in equity funds, balanced funds are a great way to start off with.

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2021 (%)
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹24.65 ↓ -0.04	₹371	1,000	3.2	13.2	54.1	25.7	18.8	54.5
ICICI Prudential Equity and Debt Fund Growth	₹225.28 ↓ -0.28	₹18,456	100	0.8	19	40.6	20.9	15.8	41.7
Kotak Equity Hybrid Fund Growth	₹40.909 ↓ -0.13	₹2,290	1,000	1	11.3	28	20.7	14.2	28.9
Axis Triple Advantage Fund Growth	₹31.7212 ↓ -0.23	₹1,650	1,000	0.2	12	24.2	20	14.4	22.8
DSP BlackRock Equity and Bond Fund Growth	₹241.572 ↓ -0.81	₹7,641	500	-1.4	7.7	23	19.5	14.2	24.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Jan 22

1. ICICI Prudential Technology Fund

To generate long-term capital appreciation for you from a portfolio made up predominantly of equity and equity-related securities of technology intensive companies.

ICICI Prudential Technology Fund is a Equity - Sectoral fund was launched on 3 Mar 00. It is a fund with High risk and has given a CAGR/Annualized return of 13.8% since its launch. Ranked 37 in Sectoral category. Return for 2021 was 75.7% , 2020 was 70.6% and 2019 was 2.3% .

Below is the key information for ICICI Prudential Technology Fund

ICICI Prudential Technology Fund Growth
Launch Date	3 Mar 00
NAV (19 Jan 22)	₹167.97 ↓ -2.94 (-1.72 %)
Net Assets (Cr)	₹7,909 on 31 Dec 21
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆
Risk	High
Expense Ratio	2.53
Sharpe Ratio	4.51
Information Ratio	1.08
Alpha Ratio	26.65
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 16	₹10,000
31 Dec 17	₹11,980
31 Dec 18	₹14,271
31 Dec 19	₹14,606
31 Dec 20	₹24,916
31 Dec 21	₹43,787

ICICI Prudential Technology Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹689,048.
Net Profit of ₹389,048 Invest Now

Returns for ICICI Prudential Technology Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Jan 22

Duration	Returns
1 Month	1.2%
3 Month	0.2%
6 Month	25.8%
1 Year	64.4%
3 Year	41.7%
5 Year	33.9%
10 Year
15 Year
Since launch	13.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2021	75.7%
2020	70.6%
2019	2.3%
2018	19.1%
2017	19.8%
2016	-4%
2015	3.9%
2014	26.3%
2013	62.6%
2012	17.1%

Fund Manager information for ICICI Prudential Technology Fund

Name	Since	Tenure
Priyanka Khandelwal	8 Jul 20	1.4 Yr.
Vaibhav Dusad	2 May 20	1.58 Yr.

Data below for ICICI Prudential Technology Fund as on 31 Dec 21

Equity Sector Allocation

Sector	Value
Technology	83.38%
Communication Services	11.75%
Industrials	3.46%
Consumer Cyclical	0.81%
Consumer Defensive	0.14%

Asset Allocation

Asset Class	Value
Cash	0.45%
Equity	99.55%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Infosys Ltd (Technology) Equity, Since 30 Apr 08 \| INFY	22%	₹1,647 Cr	9,616,347 ↑ 659,017
Tata Consultancy Services Ltd (Technology) Equity, Since 30 Sep 19 \| TCS	9%	₹662 Cr	1,876,982 ↓ -25,000
Tech Mahindra Ltd (Technology) Equity, Since 31 Oct 16 \| 532755	9%	₹634 Cr	4,112,736 ↓ -19,323
HCL Technologies Ltd (Technology) Equity, Since 30 Sep 20 \| HCLTECH	9%	₹633 Cr	5,560,768
Persistent Systems Ltd (Technology) Equity, Since 31 May 20 \| PERSISTENT	5%	₹364 Cr	879,751 ↓ -142,417
Wipro Ltd (Technology) Equity, Since 30 Sep 19 \| 507685	4%	₹321 Cr	5,043,902 ↑ 2,266,505
Mphasis Ltd (Technology) Equity, Since 30 Jun 20 \| 526299	4%	₹276 Cr	952,295 ↑ 23,367
Bharti Airtel Ltd (Communication Services) Equity, Since 31 May 20 \| BHARTIARTL	4%	₹264 Cr	3,630,200
Cognizant Technology Solutions Corp Class A (Technology) Equity, Since 31 Jul 21 \| CTSH	3%	₹242 Cr	404,000
Cyient Ltd (Industrials) Equity, Since 30 Jun 18 \| CYIENT	2%	₹165 Cr	1,630,644 ↑ 117,829

2. Aditya Birla Sun Life Digital India Fund

(Erstwhile Aditya Birla Sun Life New Millennium Fund)

A multi-sector open-ended growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of 100% equity, focusing on investing in technology and technology dependent companies, hardware, peripherals and components, software, telecom, media, internet and e-commerce and other technology enabled companies. The secondary objective is income generation and distribution of dividend.

Aditya Birla Sun Life Digital India Fund is a Equity - Sectoral fund was launched on 15 Jan 00. It is a fund with High risk and has given a CAGR/Annualized return of 12.9% since its launch. Ranked 33 in Sectoral category. Return for 2021 was 70.5% , 2020 was 59% and 2019 was 9.6% .

Below is the key information for Aditya Birla Sun Life Digital India Fund

Aditya Birla Sun Life Digital India Fund Growth
Launch Date	15 Jan 00
NAV (19 Jan 22)	₹143.92 ↓ -2.55 (-1.74 %)
Net Assets (Cr)	₹3,176 on 31 Dec 21
Category	Equity - Sectoral
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆
Risk	High
Expense Ratio	2.56
Sharpe Ratio	4.92
Information Ratio	1.14
Alpha Ratio	25.9
Min Investment	1,000
Min SIP Investment	100
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 16	₹10,000
31 Dec 17	₹12,235
31 Dec 18	₹14,147
31 Dec 19	₹15,501
31 Dec 20	₹24,652
31 Dec 21	₹42,023

Aditya Birla Sun Life Digital India Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹673,113.
Net Profit of ₹373,113 Invest Now

Returns for Aditya Birla Sun Life Digital India Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Jan 22

Duration	Returns
1 Month	2%
3 Month	1.4%
6 Month	22.6%
1 Year	58.2%
3 Year	41.2%
5 Year	32.6%
10 Year
15 Year
Since launch	12.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2021	70.5%
2020	59%
2019	9.6%
2018	15.6%
2017	22.4%
2016	-3.5%
2015	11.2%
2014	21.1%
2013	50.2%
2012	3.7%

Fund Manager information for Aditya Birla Sun Life Digital India Fund

Name	Since	Tenure
Kunal Sangoi	15 Jan 14	7.88 Yr.

Data below for Aditya Birla Sun Life Digital India Fund as on 31 Dec 21

Equity Sector Allocation

Sector	Value
Technology	77.27%
Communication Services	11.86%
Industrials	7.1%
Consumer Cyclical	1.72%

Asset Allocation

Asset Class	Value
Cash	2.05%
Equity	97.95%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Infosys Ltd (Technology) Equity, Since 30 Apr 05 \| INFY	18%	₹509 Cr	2,969,816 ↑ 110,000
Tata Consultancy Services Ltd (Technology) Equity, Since 30 Apr 05 \| TCS	11%	₹326 Cr	924,472 ↑ 68,000
Tech Mahindra Ltd (Technology) Equity, Since 31 May 13 \| 532755	9%	₹263 Cr	1,704,943
HCL Technologies Ltd (Technology) Equity, Since 31 Dec 10 \| HCLTECH	9%	₹246 Cr	2,163,931 ↑ 200,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Aug 19 \| BHARTIARTL	6%	₹171 Cr	2,351,670
Persistent Systems Ltd (Technology) Equity, Since 31 Jul 13 \| PERSISTENT	4%	₹106 Cr	255,726
Wipro Ltd (Technology) Equity, Since 31 Jan 21 \| 507685	4%	₹101 Cr	1,581,888 ↑ 225,000
Cyient Ltd (Industrials) Equity, Since 31 May 14 \| CYIENT	3%	₹99 Cr	980,651
Mphasis Ltd (Technology) Equity, Since 29 Feb 20 \| 526299	3%	₹72 Cr	247,470
Birlasoft Ltd (Technology) Equity, Since 30 Sep 20 \| 532400	2%	₹67 Cr	1,414,956

3. TATA Digital India Fund

The investment objective of the scheme is to seek long term capital appreciation by investing atleast 80% of its net assets in equity/equity related instruments of the companies in Information Technology Sector in India.However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved.The Scheme does not assure or guarantee any returns.

TATA Digital India Fund is a Equity - Sectoral fund was launched on 28 Dec 15. It is a fund with High risk and has given a CAGR/Annualized return of 25.4% since its launch. Return for 2021 was 74.4% , 2020 was 54.8% and 2019 was 7.5% .

Below is the key information for TATA Digital India Fund

TATA Digital India Fund Growth
Launch Date	28 Dec 15
NAV (19 Jan 22)	₹39.3463 ↓ -0.71 (-1.77 %)
Net Assets (Cr)	₹4,900 on 31 Dec 21
Category	Equity - Sectoral
AMC	Tata Asset Management Limited
Rating	Not Rated
Risk	High
Expense Ratio	1.73
Sharpe Ratio	4.47
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	150
Exit Load	0-3 Months (0.25%),3 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 16	₹10,000
31 Dec 17	₹11,963
31 Dec 18	₹14,944
31 Dec 19	₹16,061
31 Dec 20	₹24,866
31 Dec 21	₹43,377

TATA Digital India Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹689,048.
Net Profit of ₹389,048 Invest Now

Returns for TATA Digital India Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Jan 22

Duration	Returns
1 Month	1.5%
3 Month	-0.9%
6 Month	26%
1 Year	59%
3 Year	39.5%
5 Year	33.7%
10 Year
15 Year
Since launch	25.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2021	74.4%
2020	54.8%
2019	7.5%
2018	24.9%
2017	19.6%
2016	-6%
2015
2014
2013
2012

Fund Manager information for TATA Digital India Fund

Name	Since	Tenure
Meeta Shetty	20 Apr 20	1.62 Yr.
Venkat Samala	26 Nov 20	1.01 Yr.

Data below for TATA Digital India Fund as on 31 Dec 21

Equity Sector Allocation

Sector	Value
Technology	79.31%
Communication Services	10.29%
Industrials	4.8%
Consumer Cyclical	2.34%

Asset Allocation

Asset Class	Value
Cash	3.26%
Equity	96.74%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Infosys Ltd (Technology) Equity, Since 31 Jan 16 \| INFY	23%	₹961 Cr	5,608,600 ↑ 712,600
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Jan 16 \| TCS	12%	₹497 Cr	1,408,126
HCL Technologies Ltd (Technology) Equity, Since 31 Jan 16 \| HCLTECH	10%	₹401 Cr	3,524,713 ↑ 450,000
Tech Mahindra Ltd (Technology) Equity, Since 30 Apr 16 \| 532755	9%	₹390 Cr	2,532,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 21 \| BHARTIARTL	4%	₹181 Cr	2,484,800 ↑ 1,084,800
Wipro Ltd (Technology) Equity, Since 31 Jul 18 \| 507685	4%	₹175 Cr	2,750,000 ↑ 800,000
L&T Technology Services Ltd (Technology) Equity, Since 31 May 18 \| LTTS	3%	₹126 Cr	238,500
Larsen & Toubro Infotech Ltd (Technology) Equity, Since 28 Feb 21 \| 540005	3%	₹119 Cr	175,300
Cyient Ltd (Industrials) Equity, Since 28 Feb 21 \| CYIENT	3%	₹105 Cr	1,039,455 ↑ 205,116
Mphasis Ltd (Technology) Equity, Since 30 Sep 20 \| 526299	2%	₹101 Cr	349,485

4. PGIM India Midcap Opportunities Fund

The primary objective of the Scheme is to achieve long-term capital appreciation by predominantly investing in equity & equity related instruments of mid cap companies. However, there is no assurance that the investment objective of the Scheme will be realized.

PGIM India Midcap Opportunities Fund is a Equity - Mid Cap fund was launched on 2 Dec 13. It is a fund with High risk and has given a CAGR/Annualized return of 20.5% since its launch. Ranked 40 in Mid Cap category. Return for 2021 was 63.8% , 2020 was 48.4% and 2019 was 3.6% .

Below is the key information for PGIM India Midcap Opportunities Fund

PGIM India Midcap Opportunities Fund Growth
Launch Date	2 Dec 13
NAV (19 Jan 22)	₹45.5 ↓ -0.06 (-0.13 %)
Net Assets (Cr)	₹4,070 on 31 Dec 21
Category	Equity - Mid Cap
AMC	Pramerica Asset Managers Private Limited
Rating	☆
Risk	High
Expense Ratio	2.53
Sharpe Ratio	4.03
Information Ratio	1.81
Alpha Ratio	16.94
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 16	₹10,000
31 Dec 17	₹13,696
31 Dec 18	₹11,490
31 Dec 19	₹11,900
31 Dec 20	₹17,658
31 Dec 21	₹28,920

PGIM India Midcap Opportunities Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 Invest Now

Returns for PGIM India Midcap Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Jan 22

Duration	Returns
1 Month	6.3%
3 Month	2.5%
6 Month	19.8%
1 Year	58.9%
3 Year	37.5%
5 Year	23%
10 Year
15 Year
Since launch	20.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2021	63.8%
2020	48.4%
2019	3.6%
2018	-16.1%
2017	37%
2016	-1.3%
2015	7.9%
2014	42.8%
2013
2012

Fund Manager information for PGIM India Midcap Opportunities Fund

Name	Since	Tenure
Aniruddha Naha	1 Jun 21	0.5 Yr.
Vivek Sharma	1 Jun 21	0.5 Yr.

Data below for PGIM India Midcap Opportunities Fund as on 31 Dec 21

Equity Sector Allocation

Sector	Value
Industrials	22.29%
Basic Materials	16.72%
Technology	13.41%
Consumer Cyclical	12.28%
Financial Services	12.17%
Health Care	11.06%
Real Estate	3.69%
Communication Services	3.57%
Consumer Defensive	1.57%
Utility	0.87%

Asset Allocation

Asset Class	Value
Cash	2.34%
Equity	97.66%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Timken India Ltd (Industrials) Equity, Since 30 Sep 21 \| 522113	3%	₹124 Cr	614,231
Mphasis Ltd (Technology) Equity, Since 28 Feb 21 \| 526299	3%	₹118 Cr	406,776 ↓ -64,441
Coforge Ltd (Technology) Equity, Since 30 Jun 20 \| 532541	3%	₹117 Cr	215,639
ABB India Ltd (Industrials) Equity, Since 30 Sep 21 \| 500002	3%	₹114 Cr	552,973
Max Financial Services Ltd (Financial Services) Equity, Since 31 Aug 19 \| 500271	3%	₹107 Cr	1,138,800 ↑ 100,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Apr 21 \| ICICIBANK	3%	₹106 Cr	1,477,154 ↑ 966,154
Sanofi India Ltd (Healthcare) Equity, Since 30 Apr 21 \| 500674	3%	₹104 Cr	130,563 ↑ 12,634
The Federal Bank Ltd (Financial Services) Equity, Since 30 Jun 20 \| FEDERALBNK	3%	₹103 Cr	11,830,000
Sobha Ltd (Real Estate) Equity, Since 30 Nov 20 \| 532784	3%	₹98 Cr	1,142,313
Ashok Leyland Ltd (Industrials) Equity, Since 30 Apr 20 \| 500477	3%	₹95 Cr	7,909,000

5. SBI Technology Opportunities Fund

(Erstwhile SBI IT Fund)

To provide the investors maximum growth opportunity through equity investments in stocks of growth oriented sectors of the economy.

SBI Technology Opportunities Fund is a Equity - Sectoral fund was launched on 9 Jan 13. It is a fund with High risk and has given a CAGR/Annualized return of 23.8% since its launch. Ranked 42 in Sectoral category. Return for 2021 was 66.4% , 2020 was 47.3% and 2019 was 12.2% .

Below is the key information for SBI Technology Opportunities Fund

SBI Technology Opportunities Fund Growth
Launch Date	9 Jan 13
NAV (19 Jan 22)	₹157.251 ↓ -2.74 (-1.71 %)
Net Assets (Cr)	₹2,302 on 31 Dec 21
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆
Risk	High
Expense Ratio	2.61
Sharpe Ratio	4.45
Information Ratio	0.79
Alpha Ratio	25.01
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-15 Days (0.5%),15 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 16	₹10,000
31 Dec 17	₹11,301
31 Dec 18	₹13,238
31 Dec 19	₹14,858
31 Dec 20	₹21,891
31 Dec 21	₹36,431

SBI Technology Opportunities Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹612,552.
Net Profit of ₹312,552 Invest Now

Returns for SBI Technology Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Jan 22

Duration	Returns
1 Month	-0.3%
3 Month	-0.4%
6 Month	20.3%
1 Year	52.8%
3 Year	36.2%
5 Year	29%
10 Year
15 Year
Since launch	23.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2021	66.4%
2020	47.3%
2019	12.2%
2018	17.1%
2017	13%
2016	-3.3%
2015	2.4%
2014	29.2%
2013
2012

Fund Manager information for SBI Technology Opportunities Fund

Name	Since	Tenure
Anup Upadhyay	1 Jun 11	10.51 Yr.

Data below for SBI Technology Opportunities Fund as on 31 Dec 21

Equity Sector Allocation

Sector	Value
Technology	71.93%
Communication Services	18.2%
Consumer Cyclical	1.94%
Industrials	1.78%

Asset Allocation

Asset Class	Value
Cash	6.15%
Equity	93.85%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Infosys Ltd (Technology) Equity, Since 31 Jan 03 \| INFY	21%	₹436 Cr	2,547,700
HCL Technologies Ltd (Technology) Equity, Since 31 Mar 06 \| HCLTECH	9%	₹187 Cr	1,641,774 ↑ 248,000
Alphabet Inc Class A (Communication Services) Equity, Since 30 Sep 18 \| GOOGL	9%	₹183 Cr	8,395
Tech Mahindra Ltd (Technology) Equity, Since 31 Aug 15 \| 532755	7%	₹140 Cr	909,735
Bharti Airtel Ltd (Communication Services) Equity, Since 31 May 18 \| BHARTIARTL	6%	₹126 Cr	1,735,130 ↑ 605,000
Tata Consultancy Services Ltd (Technology) Equity, Since 30 Apr 06 \| TCS	6%	₹116 Cr	328,911
Larsen & Toubro Infotech Ltd (Technology) Equity, Since 31 May 20 \| 540005	5%	₹110 Cr	161,100
Microsoft Corp (Technology) Equity, Since 31 Aug 20 \| MSFT	5%	₹105 Cr	41,590
NVIDIA Corp (Technology) Equity, Since 30 Apr 21 \| NVDA	4%	₹86 Cr	34,300
Netflix Inc (Communication Services) Equity, Since 31 Aug 21 \| NFLX	3%	₹61 Cr	12,300 ↑ 3,500

Benefits of Investing in SIP

Some of the major advantages of investing in a SIP are as follows:

Rupee Cost Averaging

Most investors are skeptical about the best time to invest in the Market. They are worried about the volatile markets. But, rupee cost averaging breaks all the worries. Since you become a regular investor with a SIP, your money fetches more units when the price of shares is low and lesser when the price is high. During the volatile cycle, it may allow you to achieve a lower average cost per unit. Thus, the positives of investing through a SIP becomes quite evident in the times of market fluctuations.

Power of Compounding

SIPs work on Power of Compounding. Investors can put in a small amount of money and can see how the value increase over time. The longer you stay invested, the greater the value of your investment becomes. As, the returns earned at regular intervals are reinvested in the fund, investors get a return on the return. And the same cycle continues for years. To benefit the most out of the power of compounding, investors should start a savings at an early age to make the most out of it.

No Need to Time the Market

With a SIP, investors don’t need to worry about the market timings. SIP helps investors ride the market volatility by averaging out the cost as they invest a fixed sum regularly at various levels.

Easy Way to Achieve Financial Goals

As you become a regular investor via a SIP, you can easily plan your financial goals. For example, if your short-term goal is buying a car in 2 years, then you can invest in debt funds, and if you have set Retirement planning as your long-term goal then, you should invest in equity funds via a SIP. SIPs also create a regular habit of savings over the long-run. Investors who want to avail all the benefits in their investments should take a SIP route in Mutual Funds.

SIP Return Calculator or Mutual Fund Calculator

A sip calculator is the smartest tool to use while investing in Mutual Funds. It helps to determine the expected returns on your SIP investment. You can calculate the amount required for your investment and time period that you need to stay invested to reach the particular financial goal.

When using a SIP calculator, one has to fill certain variables, that includes-

Investment amount
The desired investment duration
Expected Inflation rate (annual) for the years to come
Long-term growth rate on investments

Once you feed all the above-mentioned information, the calculator will estimate the amount that you will receive after your investment tenure, along with the net profit that you will earn.

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.