Best Mutual Funds for SIP 2026

Updated on February 5, 2026 , 14722 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 26 - 27

Fund Selection Methodology used to find 5 funds

Category: Equity
Investment Option: SIP
AUM Range: 500 to 1000000 Cr
Sorted On : 5-year return (high to low)
Tags: SmartSip, fcpro
No Of Funds: 5

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 (%)
SBI PSU Fund Growth	₹35.3653 ↑ 0.08	₹5,817	500	6.1	13.9	21.8	32.7	28.4	11.3
ICICI Prudential Infrastructure Fund Growth	₹195.39 ↓ -0.45	₹8,134	100	-1.7	2	9.7	25.3	27.7	6.7
Invesco India PSU Equity Fund Growth	₹66.66 ↓ -0.26	₹1,449	500	1.5	8	19.7	31.1	26.8	10.3
DSP World Gold Fund Growth	₹57.6652 ↓ -3.01	₹1,756	500	40	75.8	134.7	49.4	26.1	167.1
Motilal Oswal Midcap 30 Fund Growth	₹93.5699 ↓ -0.34	₹36,880	500	-9	-7.6	-3.2	22.9	24.6	-12.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 6 Feb 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	SBI PSU Fund	ICICI Prudential Infrastructure Fund	Invesco India PSU Equity Fund	DSP World Gold Fund	Motilal Oswal Midcap 30 Fund
Point 1	Lower mid AUM (₹5,817 Cr).	Upper mid AUM (₹8,134 Cr).	Bottom quartile AUM (₹1,449 Cr).	Bottom quartile AUM (₹1,756 Cr).	Highest AUM (₹36,880 Cr).
Point 2	Established history (15+ yrs).	Oldest track record among peers (20 yrs).	Established history (16+ yrs).	Established history (18+ yrs).	Established history (11+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.
Point 5	5Y return: 28.40% (top quartile).	5Y return: 27.73% (upper mid).	5Y return: 26.81% (lower mid).	5Y return: 26.14% (bottom quartile).	5Y return: 24.62% (bottom quartile).
Point 6	3Y return: 32.69% (upper mid).	3Y return: 25.28% (bottom quartile).	3Y return: 31.06% (lower mid).	3Y return: 49.36% (top quartile).	3Y return: 22.90% (bottom quartile).
Point 7	1Y return: 21.79% (upper mid).	1Y return: 9.66% (bottom quartile).	1Y return: 19.66% (lower mid).	1Y return: 134.74% (top quartile).	1Y return: -3.18% (bottom quartile).
Point 8	Alpha: -0.22 (lower mid).	Alpha: 0.00 (upper mid).	Alpha: -1.90 (bottom quartile).	Alpha: 1.32 (top quartile).	Alpha: -18.12 (bottom quartile).
Point 9	Sharpe: 0.33 (upper mid).	Sharpe: 0.12 (bottom quartile).	Sharpe: 0.27 (lower mid).	Sharpe: 3.42 (top quartile).	Sharpe: -0.79 (bottom quartile).
Point 10	Information ratio: -0.47 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: -0.37 (lower mid).	Information ratio: -0.67 (bottom quartile).	Information ratio: 0.10 (top quartile).

SBI PSU Fund

Lower mid AUM (₹5,817 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 28.40% (top quartile).
3Y return: 32.69% (upper mid).
1Y return: 21.79% (upper mid).
Alpha: -0.22 (lower mid).
Sharpe: 0.33 (upper mid).
Information ratio: -0.47 (bottom quartile).

ICICI Prudential Infrastructure Fund

Upper mid AUM (₹8,134 Cr).
Oldest track record among peers (20 yrs).
Top rated.
Risk profile: High.
5Y return: 27.73% (upper mid).
3Y return: 25.28% (bottom quartile).
1Y return: 9.66% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.12 (bottom quartile).
Information ratio: 0.00 (upper mid).

Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,449 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 26.81% (lower mid).
3Y return: 31.06% (lower mid).
1Y return: 19.66% (lower mid).
Alpha: -1.90 (bottom quartile).
Sharpe: 0.27 (lower mid).
Information ratio: -0.37 (lower mid).

DSP World Gold Fund

Bottom quartile AUM (₹1,756 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 26.14% (bottom quartile).
3Y return: 49.36% (top quartile).
1Y return: 134.74% (top quartile).
Alpha: 1.32 (top quartile).
Sharpe: 3.42 (top quartile).
Information ratio: -0.67 (bottom quartile).

Motilal Oswal Midcap 30 Fund

Highest AUM (₹36,880 Cr).
Established history (11+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 24.62% (bottom quartile).
3Y return: 22.90% (bottom quartile).
1Y return: -3.18% (bottom quartile).
Alpha: -18.12 (bottom quartile).
Sharpe: -0.79 (bottom quartile).
Information ratio: 0.10 (top quartile).

About the Fincash Research Team

At Fincash, our mission is to help investors make informed, confident decisions. With over 10 years in Mutual Fund distribution, our team blends deep industry expertise with a commitment to transparency, accuracy, and investor education.

Who We Are

AMFI Registration No.: 112358
MCA CIN: U74999MH2016PTC282153
Location: Thane, Maharashtra, India
Experience: 10+ years in Mutual Fund distribution

Our Expertise

Certified Mutual Fund Distributors with hands-on advisory experience.
Market analysts tracking performance, macro trends, and sectors.
Data specialists processing NAVs, allocations, and risk metrics from Morning Star.

Our Research Process

Data sourcing: SEBI-registered fund houses & verified third-party provider Morning Star
Screening: Returns, manager track record, expenses, sector mix, risk-adjusted metrics.
Expert review: Senior team members review every article and list for accuracy.
Updates: Regular refreshes so performance data reflects current market conditions.

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Disclaimer

Content is for educational and informational purposes only and is not investment advice. Please consider your risk profile and consult a financial advisor before investing.

Best Debt SIP Funds— To Earn Optimal Returns

Debt funds 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	₹49.9569 ↓ -0.26	₹206	500	-1.1	0.1	18.1	13.8	21	7.1%	2Y 4M 17D	3Y 3M 14D
Aditya Birla Sun Life Credit Risk Fund Growth	₹24.1941 ↓ -0.02	₹1,092	100	4.7	7.1	16.7	11.9	13.4	7.96%	2Y 4M 28D	3Y 2M 23D
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
Aditya Birla Sun Life Medium Term Plan Growth	₹42.066 ↓ -0.07	₹2,905	1,000	2.7	4.6	12.1	9.9	10.9	7.78%	3Y 4M 24D	4Y 6M 7D
Sundaram Low Duration Fund Growth	₹28.8391 ↑ 0.01	₹550	1,000	1	10.2	11.8	5		4.19%	5M 18D	8M 1D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 6 Feb 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP Credit Risk Fund	Aditya Birla Sun Life Credit Risk Fund	Sundaram Short Term Debt Fund	Aditya Birla Sun Life Medium Term Plan	Sundaram Low Duration Fund
Point 1	Bottom quartile AUM (₹206 Cr).	Upper mid AUM (₹1,092 Cr).	Bottom quartile AUM (₹362 Cr).	Highest AUM (₹2,905 Cr).	Lower mid AUM (₹550 Cr).
Point 2	Established history (22+ yrs).	Established history (10+ yrs).	Oldest track record among peers (23 yrs).	Established history (16+ yrs).	Established history (18+ yrs).
Point 3	Top rated.	Not Rated.	Rating: 2★ (lower mid).	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	1Y return: 18.05% (top quartile).	1Y return: 16.69% (upper mid).	1Y return: 12.83% (lower mid).	1Y return: 12.07% (bottom quartile).	1Y return: 11.79% (bottom quartile).
Point 6	1M return: -1.72% (bottom quartile).	1M return: 0.33% (top quartile).	1M return: 0.20% (lower mid).	1M return: 0.16% (bottom quartile).	1M return: 0.28% (upper mid).
Point 7	Sharpe: 1.53 (lower mid).	Sharpe: 2.08 (top quartile).	Sharpe: 0.98 (bottom quartile).	Sharpe: 2.01 (upper mid).	Sharpe: 0.99 (bottom 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): 7.96% (top quartile).	Yield to maturity (debt): 4.52% (bottom quartile).	Yield to maturity (debt): 7.78% (upper mid).	Yield to maturity (debt): 4.19% (bottom quartile).
Point 10	Modified duration: 2.38 yrs (lower mid).	Modified duration: 2.41 yrs (bottom quartile).	Modified duration: 1.20 yrs (upper mid).	Modified duration: 3.40 yrs (bottom quartile).	Modified duration: 0.47 yrs (top quartile).

DSP Credit Risk Fund

Bottom quartile AUM (₹206 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 18.05% (top quartile).
1M return: -1.72% (bottom quartile).
Sharpe: 1.53 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.10% (lower mid).
Modified duration: 2.38 yrs (lower mid).

Aditya Birla Sun Life Credit Risk Fund

Upper mid AUM (₹1,092 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 16.69% (upper mid).
1M return: 0.33% (top quartile).
Sharpe: 2.08 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.96% (top quartile).
Modified duration: 2.41 yrs (bottom quartile).

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).

Aditya Birla Sun Life Medium Term Plan

Highest AUM (₹2,905 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 12.07% (bottom quartile).
1M return: 0.16% (bottom quartile).
Sharpe: 2.01 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.78% (upper mid).
Modified duration: 3.40 yrs (bottom quartile).

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).

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	₹79.4307 ↓ -0.07	₹6,720	500	3	8.1	11.8	20.3	14.6	11.1
SBI Multi Asset Allocation Fund Growth	₹66.5019 ↓ -0.23	₹13,033	500	5.8	12.7	19.6	19.7	15	18.6
ICICI Prudential Multi-Asset Fund Growth	₹822.569 ↓ -3.82	₹78,179	100	3.4	9.4	15.3	19.7	20.4	18.6
ICICI Prudential Equity and Debt Fund Growth	₹409.51 ↑ 0.15	₹49,641	100	1.2	5.7	12.5	19.4	19.8	13.3
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹38.02 ↓ -0.07	₹1,349	1,000	0.4	1.2	5.2	18.6	18.8	-0.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 6 Feb 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Multi Asset Fund	SBI Multi Asset Allocation Fund	ICICI Prudential Multi-Asset Fund	ICICI Prudential Equity and Debt Fund	BOI AXA Mid and Small Cap Equity and Debt Fund
Point 1	Bottom quartile AUM (₹6,720 Cr).	Lower mid AUM (₹13,033 Cr).	Highest AUM (₹78,179 Cr).	Upper mid AUM (₹49,641 Cr).	Bottom quartile AUM (₹1,349 Cr).
Point 2	Established history (17+ yrs).	Established history (20+ yrs).	Established history (23+ yrs).	Oldest track record among peers (26 yrs).	Established history (9+ yrs).
Point 3	Rating: 1★ (bottom quartile).	Top rated.	Rating: 2★ (lower mid).	Rating: 4★ (upper mid).	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 14.61% (bottom quartile).	5Y return: 15.02% (bottom quartile).	5Y return: 20.45% (top quartile).	5Y return: 19.83% (upper mid).	5Y return: 18.80% (lower mid).
Point 6	3Y return: 20.28% (top quartile).	3Y return: 19.74% (upper mid).	3Y return: 19.65% (lower mid).	3Y return: 19.38% (bottom quartile).	3Y return: 18.64% (bottom quartile).
Point 7	1Y return: 11.84% (bottom quartile).	1Y return: 19.59% (top quartile).	1Y return: 15.26% (upper mid).	1Y return: 12.51% (lower mid).	1Y return: 5.23% (bottom quartile).
Point 8	1M return: -0.55% (lower mid).	1M return: 1.28% (top quartile).	1M return: -0.20% (upper mid).	1M return: -1.03% (bottom quartile).	1M return: -2.41% (bottom quartile).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 4.49 (top quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.55 (bottom quartile).	Sharpe: 1.60 (upper mid).	Sharpe: 1.86 (top quartile).	Sharpe: 0.83 (lower mid).	Sharpe: -0.29 (bottom quartile).

UTI Multi Asset Fund

Bottom quartile AUM (₹6,720 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 14.61% (bottom quartile).
3Y return: 20.28% (top quartile).
1Y return: 11.84% (bottom quartile).
1M return: -0.55% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.55 (bottom quartile).

SBI Multi Asset Allocation Fund

Lower mid AUM (₹13,033 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 15.02% (bottom quartile).
3Y return: 19.74% (upper mid).
1Y return: 19.59% (top quartile).
1M return: 1.28% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 1.60 (upper mid).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹78,179 Cr).
Established history (23+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 20.45% (top quartile).
3Y return: 19.65% (lower mid).
1Y return: 15.26% (upper mid).
1M return: -0.20% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.86 (top quartile).

ICICI Prudential Equity and Debt Fund

Upper mid AUM (₹49,641 Cr).
Oldest track record among peers (26 yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 19.83% (upper mid).
3Y return: 19.38% (bottom quartile).
1Y return: 12.51% (lower mid).
1M return: -1.03% (bottom quartile).
Alpha: 4.49 (top quartile).
Sharpe: 0.83 (lower mid).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,349 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 18.80% (lower mid).
3Y return: 18.64% (bottom quartile).
1Y return: 5.23% (bottom quartile).
1M return: -2.41% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.29 (bottom quartile).

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

Lower mid AUM (₹1,756 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 26.14% (lower mid).
3Y return: 49.36% (top quartile).
1Y return: 134.74% (top quartile).
Alpha: 1.32 (top quartile).
Sharpe: 3.42 (top quartile).
Information ratio: -0.67 (bottom quartile).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding BGF World Gold I2 (~73.7%).
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 (05 Feb 26)	₹57.6652 ↓ -3.01 (-4.96 %)
Net Assets (Cr)	₹1,756 on 31 Dec 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	3.42
Information Ratio	-0.67
Alpha Ratio	1.32
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
31 Jan 21	₹10,000
31 Jan 22	₹8,807
31 Jan 23	₹9,422
31 Jan 24	₹8,517
31 Jan 25	₹12,548
31 Jan 26	₹33,170

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹584,107.
Net Profit of ₹284,107 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 5 Feb 26

Duration	Returns
1 Month	5.4%
3 Month	40%
6 Month	75.8%
1 Year	134.7%
3 Year	49.4%
5 Year	26.1%
10 Year
15 Year
Since launch	10%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	167.1%
2023	15.9%
2022	7%
2021	-7.7%
2020	-9%
2019	31.4%
2018	35.1%
2017	-10.7%
2016	-4%
2015	52.7%

Fund Manager information for DSP World Gold Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	12.85 Yr.

Data below for DSP World Gold Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Basic Materials	94.95%

Asset Allocation

Asset Class	Value
Cash	2.43%
Equity	94.95%
Debt	0.01%
Other	2.6%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	74%	₹1,294 Cr	1,219,254 ↓ -59,731
VanEck Gold Miners ETF - \| GDX	25%	₹442 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	2%	₹28 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹8 Cr

2. 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

Upper mid AUM (₹5,817 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 28.40% (top quartile).
3Y return: 32.69% (upper mid).
1Y return: 21.79% (upper mid).
Alpha: -0.22 (upper mid).
Sharpe: 0.33 (upper mid).
Information ratio: -0.47 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~16.8%).

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (06 Feb 26)	₹35.3653 ↑ 0.08 (0.22 %)
Net Assets (Cr)	₹5,817 on 31 Dec 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0.33
Information Ratio	-0.47
Alpha Ratio	-0.22
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
31 Jan 21	₹10,000
31 Jan 22	₹14,656
31 Jan 23	₹17,067
31 Jan 24	₹30,032
31 Jan 25	₹32,242
31 Jan 26	₹38,028

SBI PSU 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 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 5 Feb 26

Duration	Returns
1 Month	2.2%
3 Month	6.1%
6 Month	13.9%
1 Year	21.8%
3 Year	32.7%
5 Year	28.4%
10 Year
15 Year
Since launch	8.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	11.3%
2023	23.5%
2022	54%
2021	29%
2020	32.4%
2019	-10%
2018	6%
2017	-23.8%
2016	21.9%
2015	16.2%

Fund Manager information for SBI PSU Fund

Name	Since	Tenure
Rohit Shimpi	1 Jun 24	1.59 Yr.

Data below for SBI PSU Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	35.24%
Utility	29.32%
Energy	13.87%
Industrials	12%
Basic Materials	6.69%

Asset Allocation

Asset Class	Value
Cash	2.8%
Equity	97.11%
Debt	0.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	17%	₹975 Cr	9,927,500
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	9%	₹518 Cr	12,975,000
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| 532555	9%	₹509 Cr	15,443,244 ↑ 900,000
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| 532155	9%	₹502 Cr	29,150,000 ↑ 3,400,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| 532898	8%	₹467 Cr	17,635,554 ↑ 1,100,000
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| 500547	6%	₹372 Cr	9,700,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| 532134	6%	₹325 Cr	11,000,000
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| 526371	4%	₹232 Cr	27,900,000
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| 532814	3%	₹203 Cr	2,427,235
Oil India Ltd (Energy) Equity, Since 31 Mar 24 \| OIL	3%	₹163 Cr	3,850,000

3. 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 (₹1,449 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 26.81% (upper mid).
3Y return: 31.06% (lower mid).
1Y return: 19.66% (lower mid).
Alpha: -1.90 (lower mid).
Sharpe: 0.27 (lower mid).
Information ratio: -0.37 (lower mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding State Bank of India (~9.4%).

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund Growth
Launch Date	18 Nov 09
NAV (06 Feb 26)	₹66.66 ↓ -0.26 (-0.39 %)
Net Assets (Cr)	₹1,449 on 31 Dec 25
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.14
Sharpe Ratio	0.27
Information Ratio	-0.37
Alpha Ratio	-1.9
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
31 Jan 21	₹10,000
31 Jan 22	₹13,872
31 Jan 23	₹15,622
31 Jan 24	₹26,577
31 Jan 25	₹29,948
31 Jan 26	₹35,297

Invesco India PSU Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹584,107.
Net Profit of ₹284,107 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 5 Feb 26

Duration	Returns
1 Month	-1.1%
3 Month	1.5%
6 Month	8%
1 Year	19.7%
3 Year	31.1%
5 Year	26.8%
10 Year
15 Year
Since launch	12.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	10.3%
2023	25.6%
2022	54.5%
2021	20.5%
2020	31.1%
2019	6.1%
2018	10.1%
2017	-16.9%
2016	24.3%
2015	17.9%

Fund Manager information for Invesco India PSU Equity Fund

Name	Since	Tenure
Hiten Jain	1 Jul 25	0.5 Yr.
Sagar Gandhi	1 Jul 25	0.5 Yr.

Data below for Invesco India PSU Equity Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	31.01%
Financial Services	29.88%
Utility	19.12%
Energy	13.49%
Basic Materials	3.52%
Consumer Cyclical	1.22%

Asset Allocation

Asset Class	Value
Cash	1.76%
Equity	98.24%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	9%	₹136 Cr	1,387,617 ↓ -38,697
Bharat Electronics Ltd (Industrials) Equity, Since 31 Mar 17 \| BEL	8%	₹120 Cr	2,997,692
Bharat Petroleum Corp Ltd (Energy) Equity, Since 30 Sep 18 \| 500547	7%	₹104 Cr	2,717,009 ↓ -184,556
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| 532814	7%	₹97 Cr	1,157,444 ↑ 76,826
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	6%	₹86 Cr	9,129,820 ↑ 339,034
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| HAL	6%	₹86 Cr	196,158
Bank of Baroda (Financial Services) Equity, Since 30 Jun 21 \| 532134	5%	₹66 Cr	2,244,222 ↑ 127,830
Bharat Dynamics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| BDL	5%	₹65 Cr	445,685 ↑ 21,640
Dredging Corp of India Ltd (Industrials) Equity, Since 31 Jul 25 \| DREDGECORP	4%	₹64 Cr	646,300
NTPC Ltd (Utilities) Equity, Since 31 May 19 \| 532555	4%	₹59 Cr	1,801,543 ↓ -223,420

4. 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

Highest AUM (₹8,380 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.99% (bottom quartile).
3Y return: 29.92% (bottom quartile).
1Y return: 5.36% (bottom quartile).
Alpha: -4.27 (bottom quartile).
Sharpe: -0.10 (bottom quartile).
Information ratio: 1.69 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding Axis Bank Ltd (~6.0%).

Below is the key information for Franklin India Opportunities Fund

Franklin India Opportunities Fund Growth
Launch Date	21 Feb 00
NAV (05 Feb 26)	₹252.057 ↓ -1.64 (-0.65 %)
Net Assets (Cr)	₹8,380 on 31 Dec 25
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	-0.1
Information Ratio	1.69
Alpha Ratio	-4.27
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
31 Jan 21	₹10,000
31 Jan 22	₹12,618
31 Jan 23	₹12,455
31 Jan 24	₹20,675
31 Jan 25	₹25,253
31 Jan 26	₹26,952

Franklin India Opportunities Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 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 5 Feb 26

Duration	Returns
1 Month	-4.2%
3 Month	-3.9%
6 Month	0.7%
1 Year	5.4%
3 Year	29.9%
5 Year	20%
10 Year
15 Year
Since launch	13.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	3.1%
2023	37.3%
2022	53.6%
2021	-1.9%
2020	29.7%
2019	27.3%
2018	5.4%
2017	-10.1%
2016	35.6%
2015	4.2%

Fund Manager information for Franklin India Opportunities Fund

Name	Since	Tenure
Kiran Sebastian	7 Feb 22	3.9 Yr.
R. Janakiraman	1 Apr 13	12.76 Yr.
Sandeep Manam	18 Oct 21	4.21 Yr.

Data below for Franklin India Opportunities Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	23.16%
Consumer Cyclical	15.36%
Technology	15.21%
Health Care	11.71%
Industrials	9.45%
Basic Materials	8.79%
Communication Services	6.09%
Energy	3.11%
Utility	2.49%
Real Estate	0.46%

Asset Allocation

Asset Class	Value
Cash	4.14%
Equity	95.84%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 25 \| 532215	6%	₹501 Cr	3,948,707
State Bank of India (Financial Services) Equity, Since 31 Oct 25 \| SBIN	6%	₹489 Cr	4,981,006
Amphenol Corp Class A (Technology) Equity, Since 31 Jul 25 \| APH	3%	₹285 Cr	234,384
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 22 \| RELIANCE	3%	₹261 Cr	1,661,519
APL Apollo Tubes Ltd (Basic Materials) Equity, Since 31 Oct 24 \| APLAPOLLO	3%	₹247 Cr	1,289,735
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 24 \| BHARTIARTL	3%	₹244 Cr	1,158,502
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 May 24 \| M&M	3%	₹237 Cr	637,966
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 30 Nov 25 \| HAL	3%	₹233 Cr	531,519
Mphasis Ltd (Technology) Equity, Since 30 Nov 24 \| 526299	3%	₹227 Cr	814,231
IDFC First Bank Ltd (Financial Services) Equity, Since 30 Jun 25 \| IDFCFIRSTB	3%	₹222 Cr	25,878,858 ↑ 5,038,869

5. LIC MF Infrastructure Fund

The investment objective of the scheme is to provide long term growth from a portfolio of equity / equity related instruments of companies engaged either directly or indirectly in the infrastructure sector.

Research Highlights for LIC MF Infrastructure Fund

Bottom quartile AUM (₹1,003 Cr).
Established history (17+ yrs).
Not Rated.
Risk profile: High.
5Y return: 24.32% (bottom quartile).
3Y return: 28.60% (bottom quartile).
1Y return: 10.12% (bottom quartile).
Alpha: -18.43 (bottom quartile).
Sharpe: -0.21 (bottom quartile).
Information ratio: 0.28 (upper mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Shakti Pumps (India) Ltd (~5.0%).

Below is the key information for LIC MF Infrastructure Fund

LIC MF Infrastructure Fund Growth
Launch Date	29 Feb 08
NAV (06 Feb 26)	₹49.5423 ↑ 0.11 (0.23 %)
Net Assets (Cr)	₹1,003 on 31 Dec 25
Category	Equity - Sectoral
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	Not Rated
Risk	High
Expense Ratio	2.21
Sharpe Ratio	-0.21
Information Ratio	0.28
Alpha Ratio	-18.43
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹15,011
31 Jan 23	₹15,567
31 Jan 24	₹24,683
31 Jan 25	₹30,671
31 Jan 26	₹31,739

LIC MF Infrastructure 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 LIC MF Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Feb 26

Duration	Returns
1 Month	-0.9%
3 Month	-1.2%
6 Month	2%
1 Year	10.1%
3 Year	28.6%
5 Year	24.3%
10 Year
15 Year
Since launch	9.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-3.7%
2023	47.8%
2022	44.4%
2021	7.9%
2020	46.6%
2019	-0.1%
2018	13.3%
2017	-14.6%
2016	42.2%
2015	-2.2%

Fund Manager information for LIC MF Infrastructure Fund

Name	Since	Tenure
Yogesh Patil	18 Sep 20	5.29 Yr.
Mahesh Bendre	1 Jul 24	1.5 Yr.

Data below for LIC MF Infrastructure Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	47.89%
Consumer Cyclical	13.2%
Basic Materials	9.06%
Financial Services	6.21%
Utility	5.93%
Technology	3.68%
Real Estate	3.55%
Communication Services	3.18%
Health Care	3.07%

Asset Allocation

Asset Class	Value
Cash	4.22%
Equity	95.78%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shakti Pumps (India) Ltd (Industrials) Equity, Since 31 Mar 24 \| SHAKTIPUMP	5%	₹50 Cr	686,379 ↓ -7,478
Tata Motors Ltd (Consumer Cyclical) Equity, Since 31 Oct 25 \| TMCV	5%	₹45 Cr	1,088,395 ↓ -159,564
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Apr 09 \| LT	4%	₹44 Cr	108,403 ↓ -1,181
REC Ltd (Financial Services) Equity, Since 31 Jul 23 \| 532955	3%	₹32 Cr	901,191 ↓ -9,818
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 30 Jun 25 \| APOLLOHOSP	3%	₹31 Cr	43,674 ↓ -475
Garware Hi-Tech Films Ltd (Basic Materials) Equity, Since 31 Aug 23 \| 500655	3%	₹29 Cr	93,271 ↓ -1,016
Mahindra Lifespace Developers Ltd (Real Estate) Equity, Since 30 Jun 24 \| MAHLIFE	3%	₹26 Cr	659,065 ↓ -7,180
Avalon Technologies Ltd (Technology) Equity, Since 31 Jul 23 \| AVALON	3%	₹25 Cr	289,118 ↑ 2,984
Cummins India Ltd (Industrials) Equity, Since 31 May 21 \| 500480	3%	₹25 Cr	56,889 ↓ -619
Bharat Bijlee Ltd (Industrials) Equity, Since 31 Jul 22 \| BBL	2%	₹25 Cr	92,624 ↓ -1,009

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.