Best Mutual Funds for SIP 2025

Updated on December 22, 2025 , 14614 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.

Ready to Invest?
Talk to our investment specialist

Top Mutual Funds for SIP Investment FY 25 - 26

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 (%)	2024 (%)
ICICI Prudential Infrastructure Fund Growth	₹196.24 ↑ 0.13	₹8,160	100	0.1	1	5.2	26.3	30.8	27.4
SBI PSU Fund Growth	₹33.3222 ↓ -0.07	₹5,763	500	3.4	4.4	7.8	30.6	29.2	23.5
Motilal Oswal Midcap 30 Fund Growth	₹99.8872 ↓ -0.59	₹38,003	500	-3	-2.6	-9.5	27	28.2	57.1
HDFC Infrastructure Fund Growth	₹47.445 ↓ -0.11	₹2,514	300	-0.8	0.2	1.5	27.4	27.9	23
Nippon India Small Cap Fund Growth	₹166.154 ↓ -0.44	₹68,572	100	-2.3	-1.1	-4.8	23.3	27.7	26.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Infrastructure Fund	SBI PSU Fund	Motilal Oswal Midcap 30 Fund	HDFC Infrastructure Fund	Nippon India Small Cap Fund
Point 1	Lower mid AUM (₹8,160 Cr).	Bottom quartile AUM (₹5,763 Cr).	Upper mid AUM (₹38,003 Cr).	Bottom quartile AUM (₹2,514 Cr).	Highest AUM (₹68,572 Cr).
Point 2	Oldest track record among peers (20 yrs).	Established history (15+ yrs).	Established history (11+ yrs).	Established history (17+ yrs).	Established history (15+ yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Top rated.
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.
Point 5	5Y return: 30.79% (top quartile).	5Y return: 29.16% (upper mid).	5Y return: 28.24% (lower mid).	5Y return: 27.89% (bottom quartile).	5Y return: 27.69% (bottom quartile).
Point 6	3Y return: 26.31% (bottom quartile).	3Y return: 30.65% (top quartile).	3Y return: 27.02% (lower mid).	3Y return: 27.40% (upper mid).	3Y return: 23.29% (bottom quartile).
Point 7	1Y return: 5.22% (upper mid).	1Y return: 7.79% (top quartile).	1Y return: -9.49% (bottom quartile).	1Y return: 1.49% (lower mid).	1Y return: -4.81% (bottom quartile).
Point 8	Alpha: 0.00 (top quartile).	Alpha: -0.83 (lower mid).	Alpha: -11.47 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: -1.19 (bottom quartile).
Point 9	Sharpe: 0.00 (upper mid).	Sharpe: 0.03 (top quartile).	Sharpe: -0.40 (bottom quartile).	Sharpe: -0.15 (lower mid).	Sharpe: -0.40 (bottom quartile).
Point 10	Information ratio: 0.00 (lower mid).	Information ratio: -0.53 (bottom quartile).	Information ratio: 0.21 (top quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.05 (upper mid).

ICICI Prudential Infrastructure Fund

Lower mid AUM (₹8,160 Cr).
Oldest track record among peers (20 yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 30.79% (top quartile).
3Y return: 26.31% (bottom quartile).
1Y return: 5.22% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 0.00 (upper mid).
Information ratio: 0.00 (lower mid).

SBI PSU Fund

Bottom quartile AUM (₹5,763 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 29.16% (upper mid).
3Y return: 30.65% (top quartile).
1Y return: 7.79% (top quartile).
Alpha: -0.83 (lower mid).
Sharpe: 0.03 (top quartile).
Information ratio: -0.53 (bottom quartile).

Motilal Oswal Midcap 30 Fund

Upper mid AUM (₹38,003 Cr).
Established history (11+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 28.24% (lower mid).
3Y return: 27.02% (lower mid).
1Y return: -9.49% (bottom quartile).
Alpha: -11.47 (bottom quartile).
Sharpe: -0.40 (bottom quartile).
Information ratio: 0.21 (top quartile).

HDFC Infrastructure Fund

Bottom quartile AUM (₹2,514 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 27.89% (bottom quartile).
3Y return: 27.40% (upper mid).
1Y return: 1.49% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.15 (lower mid).
Information ratio: 0.00 (bottom quartile).

Nippon India Small Cap Fund

Highest AUM (₹68,572 Cr).
Established history (15+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 27.69% (bottom quartile).
3Y return: 23.29% (bottom quartile).
1Y return: -4.81% (bottom quartile).
Alpha: -1.19 (bottom quartile).
Sharpe: -0.40 (bottom quartile).
Information ratio: 0.05 (upper mid).

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 (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
DSP Credit Risk Fund Growth	₹50.7857 ↑ 0.11	₹209	500	1.3	2.2	21.2	14.7	7.8	7.1%	2Y 4M 17D	3Y 3M 14D
Aditya Birla Sun Life Credit Risk Fund Growth	₹23.2486 ↑ 0.04	₹1,096	100	1.9	4.1	13.4	10.7	11.9	7.62%	2Y 3M 18D	3Y 29D
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
Sundaram Low Duration Fund Growth	₹28.8391 ↑ 0.01	₹550	1,000	1	10.2	11.8	5		4.19%	5M 18D	8M 1D
Aditya Birla Sun Life Medium Term Plan Growth	₹41.1899 ↑ 0.12	₹2,886	1,000	1.7	3.1	11	9.5	10.5	7.48%	3Y 8M 16D	4Y 11M 5D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP Credit Risk Fund	Aditya Birla Sun Life Credit Risk Fund	Sundaram Short Term Debt Fund	Sundaram Low Duration Fund	Aditya Birla Sun Life Medium Term Plan
Point 1	Bottom quartile AUM (₹209 Cr).	Upper mid AUM (₹1,096 Cr).	Bottom quartile AUM (₹362 Cr).	Lower mid AUM (₹550 Cr).	Highest AUM (₹2,886 Cr).
Point 2	Established history (22+ yrs).	Established history (10+ yrs).	Oldest track record among peers (23 yrs).	Established history (18+ yrs).	Established history (16+ yrs).
Point 3	Top rated.	Not Rated.	Rating: 2★ (lower mid).	Rating: 2★ (bottom quartile).	Rating: 4★ (upper mid).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.
Point 5	1Y return: 21.19% (top quartile).	1Y return: 13.43% (upper mid).	1Y return: 12.83% (lower mid).	1Y return: 11.79% (bottom quartile).	1Y return: 11.00% (bottom quartile).
Point 6	1M return: 0.32% (top quartile).	1M return: 0.10% (bottom quartile).	1M return: 0.20% (lower mid).	1M return: 0.28% (upper mid).	1M return: 0.15% (bottom quartile).
Point 7	Sharpe: 1.55 (lower mid).	Sharpe: 2.11 (upper mid).	Sharpe: 0.98 (bottom quartile).	Sharpe: 0.99 (bottom quartile).	Sharpe: 2.17 (top quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.10% (lower mid).	Yield to maturity (debt): 7.62% (top quartile).	Yield to maturity (debt): 4.52% (bottom quartile).	Yield to maturity (debt): 4.19% (bottom quartile).	Yield to maturity (debt): 7.48% (upper mid).
Point 10	Modified duration: 2.38 yrs (bottom quartile).	Modified duration: 2.30 yrs (lower mid).	Modified duration: 1.20 yrs (upper mid).	Modified duration: 0.47 yrs (top quartile).	Modified duration: 3.71 yrs (bottom quartile).

DSP Credit Risk Fund

Bottom quartile AUM (₹209 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 21.19% (top quartile).
1M return: 0.32% (top quartile).
Sharpe: 1.55 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.10% (lower mid).
Modified duration: 2.38 yrs (bottom quartile).

Aditya Birla Sun Life Credit Risk Fund

Upper mid AUM (₹1,096 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 13.43% (upper mid).
1M return: 0.10% (bottom quartile).
Sharpe: 2.11 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.62% (top quartile).
Modified duration: 2.30 yrs (lower mid).

Sundaram Short Term Debt Fund

Bottom quartile AUM (₹362 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately Low.
1Y return: 12.83% (lower mid).
1M return: 0.20% (lower mid).
Sharpe: 0.98 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 4.52% (bottom quartile).
Modified duration: 1.20 yrs (upper mid).

Sundaram Low Duration Fund

Lower mid AUM (₹550 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 11.79% (bottom quartile).
1M return: 0.28% (upper mid).
Sharpe: 0.99 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 4.19% (bottom quartile).
Modified duration: 0.47 yrs (top quartile).

Aditya Birla Sun Life Medium Term Plan

Highest AUM (₹2,886 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 11.00% (bottom quartile).
1M return: 0.15% (bottom quartile).
Sharpe: 2.17 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.48% (upper mid).
Modified duration: 3.71 yrs (bottom quartile).

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 (%)	2024 (%)
UTI Multi Asset Fund Growth	₹79.6419 ↓ -0.10	₹6,551	500	5.5	7.7	11.6	21.2	15.3	20.7
ICICI Prudential Multi-Asset Fund Growth	₹820.321 ↑ 1.10	₹75,067	100	5	8.7	18.2	20.2	22.3	16.1
ICICI Prudential Equity and Debt Fund Growth	₹410.45 ↓ -0.95	₹49,223	100	2.1	5.4	13	20.2	22.1	17.2
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹38.08 ↑ 0.07	₹1,321	1,000	-0.2	-0.1	-2.6	19.6	19.7	25.8
SBI Multi Asset Allocation Fund Growth	₹65.577 ↑ 0.19	₹12,466	500	7.7	11	18.6	19.2	15	12.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Multi Asset Fund	ICICI Prudential Multi-Asset Fund	ICICI Prudential Equity and Debt Fund	BOI AXA Mid and Small Cap Equity and Debt Fund	SBI Multi Asset Allocation Fund
Point 1	Bottom quartile AUM (₹6,551 Cr).	Highest AUM (₹75,067 Cr).	Upper mid AUM (₹49,223 Cr).	Bottom quartile AUM (₹1,321 Cr).	Lower mid AUM (₹12,466 Cr).
Point 2	Established history (17+ yrs).	Established history (23+ yrs).	Oldest track record among peers (26 yrs).	Established history (9+ yrs).	Established history (20+ yrs).
Point 3	Rating: 1★ (bottom quartile).	Rating: 2★ (lower mid).	Top rated.	Not Rated.	Rating: 4★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.
Point 5	5Y return: 15.33% (bottom quartile).	5Y return: 22.33% (top quartile).	5Y return: 22.08% (upper mid).	5Y return: 19.68% (lower mid).	5Y return: 14.95% (bottom quartile).
Point 6	3Y return: 21.25% (top quartile).	3Y return: 20.20% (upper mid).	3Y return: 20.15% (lower mid).	3Y return: 19.58% (bottom quartile).	3Y return: 19.17% (bottom quartile).
Point 7	1Y return: 11.61% (bottom quartile).	1Y return: 18.25% (upper mid).	1Y return: 13.03% (lower mid).	1Y return: -2.58% (bottom quartile).	1Y return: 18.59% (top quartile).
Point 8	1M return: 1.76% (lower mid).	1M return: 1.84% (upper mid).	1M return: 0.37% (bottom quartile).	1M return: 1.09% (bottom quartile).	1M return: 3.68% (top quartile).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 4.08 (top quartile).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.48 (bottom quartile).	Sharpe: 1.32 (top quartile).	Sharpe: 0.65 (lower mid).	Sharpe: -0.30 (bottom quartile).	Sharpe: 1.17 (upper mid).

UTI Multi Asset Fund

Bottom quartile AUM (₹6,551 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.33% (bottom quartile).
3Y return: 21.25% (top quartile).
1Y return: 11.61% (bottom quartile).
1M return: 1.76% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.48 (bottom quartile).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹75,067 Cr).
Established history (23+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 22.33% (top quartile).
3Y return: 20.20% (upper mid).
1Y return: 18.25% (upper mid).
1M return: 1.84% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 1.32 (top quartile).

ICICI Prudential Equity and Debt Fund

Upper mid AUM (₹49,223 Cr).
Oldest track record among peers (26 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 22.08% (upper mid).
3Y return: 20.15% (lower mid).
1Y return: 13.03% (lower mid).
1M return: 0.37% (bottom quartile).
Alpha: 4.08 (top quartile).
Sharpe: 0.65 (lower mid).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,321 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 19.68% (lower mid).
3Y return: 19.58% (bottom quartile).
1Y return: -2.58% (bottom quartile).
1M return: 1.09% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.30 (bottom quartile).

SBI Multi Asset Allocation Fund

Lower mid AUM (₹12,466 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
5Y return: 14.95% (bottom quartile).
3Y return: 19.17% (bottom quartile).
1Y return: 18.59% (top quartile).
1M return: 3.68% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.17 (upper mid).

1. DSP World Gold Fund

"The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized."

Research Highlights for DSP World Gold Fund

Bottom quartile AUM (₹1,689 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 23.24% (bottom quartile).
3Y return: 50.72% (top quartile).
1Y return: 173.36% (top quartile).
Alpha: -4.29 (bottom quartile).
Sharpe: 2.51 (top quartile).
Information ratio: -1.02 (bottom quartile).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding BGF World Gold I2 (~73.8%).
Top-3 holdings concentration ~100.4%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (23 Dec 25)	₹54.7424 ↓ -0.15 (-0.27 %)
Net Assets (Cr)	₹1,689 on 30 Nov 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	2.51
Information Ratio	-1.02
Alpha Ratio	-4.29
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹9,903
30 Nov 22	₹8,659
30 Nov 23	₹9,599
30 Nov 24	₹12,026
30 Nov 25	₹27,573

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623 Invest Now

Returns for DSP World Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Dec 25

Duration	Returns
1 Month	25%
3 Month	24.5%
6 Month	74.9%
1 Year	173.4%
3 Year	50.7%
5 Year	23.2%
10 Year
15 Year
Since launch	9.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	15.9%
2023	7%
2022	-7.7%
2021	-9%
2020	31.4%
2019	35.1%
2018	-10.7%
2017	-4%
2016	52.7%
2015	-18.5%

Fund Manager information for DSP World Gold Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	12.76 Yr.

Data below for DSP World Gold Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Basic Materials	93.58%

Asset Allocation

Asset Class	Value
Cash	3.5%
Equity	93.84%
Debt	0.01%
Other	2.64%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	74%	₹1,246 Cr	1,278,985 ↓ -68,948
VanEck Gold Miners ETF - \| GDX	25%	₹427 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	1%	₹24 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹8 Cr

2. Franklin India Opportunities Fund

The investment objective of Franklin India Opportunities Fund (FIOF) is to generate capital appreciation by capitalizing on the long-term growth opportunities in the Indian economy.

Research Highlights for Franklin India Opportunities Fund

Upper mid AUM (₹8,304 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 23.44% (bottom quartile).
3Y return: 31.07% (upper mid).
1Y return: 3.72% (bottom quartile).
Alpha: -2.06 (bottom quartile).
Sharpe: -0.04 (bottom quartile).
Information ratio: 1.67 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding Axis Bank Ltd (~6.1%).

Below is the key information for Franklin India Opportunities Fund

Franklin India Opportunities Fund Growth
Launch Date	21 Feb 00
NAV (24 Dec 25)	₹258.957 ↓ -0.76 (-0.29 %)
Net Assets (Cr)	₹8,304 on 30 Nov 25
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	-0.04
Information Ratio	1.67
Alpha Ratio	-2.06
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹13,952
30 Nov 22	₹14,394
30 Nov 23	₹19,801
30 Nov 24	₹29,167
30 Nov 25	₹30,396

Franklin India Opportunities Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623 Invest Now

Returns for Franklin India 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 23 Dec 25

Duration	Returns
1 Month	-0.4%
3 Month	-0.3%
6 Month	5.3%
1 Year	3.7%
3 Year	31.1%
5 Year	23.4%
10 Year
15 Year
Since launch	13.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	37.3%
2023	53.6%
2022	-1.9%
2021	29.7%
2020	27.3%
2019	5.4%
2018	-10.1%
2017	35.6%
2016	4.2%
2015	2.3%

Fund Manager information for Franklin India Opportunities Fund

Name	Since	Tenure
Kiran Sebastian	7 Feb 22	3.82 Yr.
R. Janakiraman	1 Apr 13	12.68 Yr.
Sandeep Manam	18 Oct 21	4.12 Yr.

Data below for Franklin India Opportunities Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	22.81%
Technology	16.14%
Consumer Cyclical	15.05%
Health Care	12.45%
Basic Materials	8.58%
Industrials	8.2%
Communication Services	6.02%
Energy	3.14%
Utility	2.49%
Real Estate	0.47%

Asset Allocation

Asset Class	Value
Cash	4.65%
Equity	95.34%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 25 \| AXISBANK	6%	₹505 Cr	3,948,707
State Bank of India (Financial Services) Equity, Since 31 Oct 25 \| SBIN	6%	₹488 Cr	4,981,006
Amphenol Corp Class A (Technology) Equity, Since 31 Jul 25 \| APH	4%	₹295 Cr	234,384 ↑ 78,643
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 22 \| RELIANCE	3%	₹260 Cr	1,661,519
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 24 \| BHARTIARTL	3%	₹243 Cr	1,158,502
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 30 Nov 25 \| HAL	3%	₹241 Cr	531,519 ↑ 531,519
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 May 24 \| M&M	3%	₹240 Cr	637,966
Mphasis Ltd (Technology) Equity, Since 30 Nov 24 \| MPHASIS	3%	₹229 Cr	814,231
APL Apollo Tubes Ltd (Basic Materials) Equity, Since 31 Oct 24 \| APLAPOLLO	3%	₹222 Cr	1,289,735 ↑ 258,433
NTPC Ltd (Utilities) Equity, Since 31 Aug 22 \| NTPC	2%	₹207 Cr	6,333,312

3. SBI PSU Fund

The objective of the scheme would be to provide investors with opportunities for long-term growth in capital along with the liquidity of an open-ended scheme through an active management of investments in a diversified basket of equity stocks of domestic Public Sector Undertakings and in debt and money market instruments issued by PSUs AND others.

Research Highlights for SBI PSU Fund

Lower mid AUM (₹5,763 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 29.16% (top quartile).
3Y return: 30.65% (lower mid).
1Y return: 7.79% (upper mid).
Alpha: -0.83 (lower mid).
Sharpe: 0.03 (bottom quartile).
Information ratio: -0.53 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~16.9%).

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (24 Dec 25)	₹33.3222 ↓ -0.07 (-0.21 %)
Net Assets (Cr)	₹5,763 on 30 Nov 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0.03
Information Ratio	-0.53
Alpha Ratio	-0.83
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹13,886
30 Nov 22	₹18,323
30 Nov 23	₹23,973
30 Nov 24	₹36,302
30 Nov 25	₹38,023

SBI PSU Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹627,226.
Net Profit of ₹327,226 Invest Now

Returns for SBI PSU Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Dec 25

Duration	Returns
1 Month	-0.4%
3 Month	3.4%
6 Month	4.4%
1 Year	7.8%
3 Year	30.6%
5 Year	29.2%
10 Year
15 Year
Since launch	8.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23.5%
2023	54%
2022	29%
2021	32.4%
2020	-10%
2019	6%
2018	-23.8%
2017	21.9%
2016	16.2%
2015	-11.1%

Fund Manager information for SBI PSU Fund

Name	Since	Tenure
Rohit Shimpi	1 Jun 24	1.5 Yr.

Data below for SBI PSU Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	36.69%
Utility	27.73%
Energy	13.4%
Industrials	12.38%
Basic Materials	5.83%

Asset Allocation

Asset Class	Value
Cash	3.88%
Equity	96.04%
Debt	0.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	17%	₹972 Cr	9,927,500
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	9%	₹534 Cr	12,975,000
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| NTPC	8%	₹475 Cr	14,543,244
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| GAIL	8%	₹453 Cr	25,750,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| POWERGRID	8%	₹446 Cr	16,535,554
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| BPCL	6%	₹348 Cr	9,700,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| BANKBARODA	6%	₹319 Cr	11,000,000
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| INDIANB	4%	₹211 Cr	2,427,235
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| NMDC	4%	₹206 Cr	27,900,000
General Insurance Corp of India (Financial Services) Equity, Since 31 May 24 \| GICRE	3%	₹161 Cr	4,150,000

4. Invesco India PSU Equity Fund

To generate capital appreciation by investing in Equity and Equity Related Instruments of companies where the Central / State Government(s) has majority shareholding or management control or has powers to appoint majority of directors. 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.

Research Highlights for Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,445 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 27.58% (upper mid).
3Y return: 30.33% (bottom quartile).
1Y return: 7.49% (lower mid).
Alpha: -0.45 (upper mid).
Sharpe: 0.06 (lower mid).
Information ratio: -0.49 (lower mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding State Bank of India (~9.7%).

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund Growth
Launch Date	18 Nov 09
NAV (24 Dec 25)	₹65.19 ↑ 0.17 (0.26 %)
Net Assets (Cr)	₹1,445 on 30 Nov 25
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.14
Sharpe Ratio	0.06
Information Ratio	-0.49
Alpha Ratio	-0.45
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹13,532
30 Nov 22	₹16,574
30 Nov 23	₹21,911
30 Nov 24	₹33,100
30 Nov 25	₹34,463

Invesco India PSU Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181 Invest Now

Returns for Invesco India PSU Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Dec 25

Duration	Returns
1 Month	0.2%
3 Month	1.8%
6 Month	1.6%
1 Year	7.5%
3 Year	30.3%
5 Year	27.6%
10 Year
15 Year
Since launch	12.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	25.6%
2023	54.5%
2022	20.5%
2021	31.1%
2020	6.1%
2019	10.1%
2018	-16.9%
2017	24.3%
2016	17.9%
2015	2.5%

Fund Manager information for Invesco India PSU Equity Fund

Name	Since	Tenure
Hiten Jain	1 Jul 25	0.42 Yr.
Sagar Gandhi	1 Jul 25	0.42 Yr.

Data below for Invesco India PSU Equity Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Industrials	31.46%
Financial Services	29.47%
Utility	20.02%
Energy	13.28%
Basic Materials	2.92%

Asset Allocation

Asset Class	Value
Cash	2.85%
Equity	97.15%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	10%	₹140 Cr	1,426,314
Bharat Electronics Ltd (Industrials) Equity, Since 31 Mar 17 \| BEL	9%	₹123 Cr	2,997,692
Bharat Petroleum Corp Ltd (Energy) Equity, Since 30 Sep 18 \| BPCL	7%	₹104 Cr	2,901,565
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| INDIANB	7%	₹94 Cr	1,080,618
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| HAL	6%	₹89 Cr	196,158
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	6%	₹83 Cr	8,790,786
NTPC Ltd (Utilities) Equity, Since 31 May 19 \| NTPC	5%	₹66 Cr	2,024,963
Bharat Dynamics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| BDL	4%	₹64 Cr	424,045
Bank of Baroda (Financial Services) Equity, Since 30 Jun 21 \| BANKBARODA	4%	₹61 Cr	2,116,392
Dredging Corp of India Ltd (Industrials) Equity, Since 31 Jul 25 \| DREDGECORP	4%	₹55 Cr	646,300 ↑ 174,490

5. Invesco India Mid Cap Fund

The Scheme seeks to provide long term capital appreciation by investing in a portfolio that is predominantly constituted of equity and equity related instruments of mid cap companies. However, there can be no assurance that the funds objectives will be achieved.

Research Highlights for Invesco India Mid Cap Fund

Highest AUM (₹10,006 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 24.41% (lower mid).
3Y return: 28.52% (bottom quartile).
1Y return: 6.48% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.37 (upper mid).
Information ratio: 0.00 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding The Federal Bank Ltd (~5.7%).

Below is the key information for Invesco India Mid Cap Fund

Invesco India Mid Cap Fund Growth
Launch Date	19 Apr 07
NAV (24 Dec 25)	₹183.96 ↓ -0.75 (-0.41 %)
Net Assets (Cr)	₹10,006 on 30 Nov 25
Category	Equity - Mid Cap
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.82
Sharpe Ratio	0.37
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹14,577
30 Nov 22	₹15,346
30 Nov 23	₹19,288
30 Nov 24	₹28,186
30 Nov 25	₹31,678

Invesco India Mid Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 Invest Now

Returns for Invesco India Mid Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Dec 25

Duration	Returns
1 Month	-0.5%
3 Month	1.3%
6 Month	3.7%
1 Year	6.5%
3 Year	28.5%
5 Year	24.4%
10 Year
15 Year
Since launch	16.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	43.1%
2023	34.1%
2022	0.5%
2021	43.1%
2020	24.4%
2019	3.8%
2018	-5.3%
2017	44.3%
2016	1.1%
2015	6.4%

Fund Manager information for Invesco India Mid Cap Fund

Name	Since	Tenure
Aditya Khemani	9 Nov 23	2.06 Yr.
Amit Ganatra	1 Sep 23	2.25 Yr.

Data below for Invesco India Mid Cap Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	34.71%
Consumer Cyclical	20.6%
Health Care	17.1%
Real Estate	7.67%
Industrials	6.94%
Technology	6.9%
Basic Materials	3.63%
Communication Services	0.44%

Asset Allocation

Asset Class	Value
Cash	2.01%
Equity	97.99%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
The Federal Bank Ltd (Financial Services) Equity, Since 31 Oct 22 \| FEDERALBNK	6%	₹575 Cr	22,304,132 ↑ 2,343,148
AU Small Finance Bank Ltd (Financial Services) Equity, Since 31 Jul 25 \| AUBANK	6%	₹567 Cr	5,936,790
L&T Finance Ltd (Financial Services) Equity, Since 31 Dec 23 \| LTF	5%	₹526 Cr	16,854,973
Swiggy Ltd (Consumer Cyclical) Equity, Since 30 Nov 24 \| SWIGGY	5%	₹514 Cr	13,591,659 ↑ 1,712,546
BSE Ltd (Financial Services) Equity, Since 31 Dec 23 \| BSE	4%	₹441 Cr	1,519,233
Max Financial Services Ltd (Financial Services) Equity, Since 30 Nov 23 \| MFSL	4%	₹412 Cr	2,422,867
Prestige Estates Projects Ltd (Real Estate) Equity, Since 30 Nov 23 \| PRESTIGE	4%	₹411 Cr	2,451,815
Glenmark Pharmaceuticals Ltd (Healthcare) Equity, Since 31 Mar 24 \| GLENMARK	4%	₹363 Cr	1,864,031
Global Health Ltd (Healthcare) Equity, Since 30 Nov 23 \| MEDANTA	3%	₹342 Cr	2,742,111 ↑ 540,183
Trent Ltd (Consumer Cyclical) Equity, Since 30 Apr 21 \| TRENT	3%	₹304 Cr	716,270 ↑ 132,839

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.