Best Mutual Funds for SIP 2025

Updated on November 2, 2025 , 14541 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 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	₹200.53 ↓ -1.35	₹7,645	100	4.5	11	5.7	27.4	37.3	27.4
HDFC Infrastructure Fund Growth	₹48.818 ↓ -0.26	₹2,483	300	3.2	10	3.1	27.5	34.8	23
SBI PSU Fund Growth	₹33.7012 ↓ -0.27	₹5,179	500	8.2	9.4	6.6	29.3	33.3	23.5
Nippon India Small Cap Fund Growth	₹171.625 ↓ -0.77	₹64,821	100	1.7	11.3	-2.2	22.8	33	26.1
Nippon India Power and Infra Fund Growth	₹355.786 ↓ -2.23	₹7,175	100	4.2	10.1	2	26.6	32.8	26.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Nov 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Infrastructure Fund	HDFC Infrastructure Fund	SBI PSU Fund	Nippon India Small Cap Fund	Nippon India Power and Infra Fund
Point 1	Upper mid AUM (₹7,645 Cr).	Bottom quartile AUM (₹2,483 Cr).	Bottom quartile AUM (₹5,179 Cr).	Highest AUM (₹64,821 Cr).	Lower mid AUM (₹7,175 Cr).
Point 2	Established history (20+ yrs).	Established history (17+ yrs).	Established history (15+ yrs).	Established history (15+ yrs).	Oldest track record among peers (21 yrs).
Point 3	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 2★ (bottom quartile).	Top rated.	Rating: 4★ (upper mid).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.
Point 5	5Y return: 37.31% (top quartile).	5Y return: 34.76% (upper mid).	5Y return: 33.35% (lower mid).	5Y return: 32.95% (bottom quartile).	5Y return: 32.76% (bottom quartile).
Point 6	3Y return: 27.36% (lower mid).	3Y return: 27.53% (upper mid).	3Y return: 29.34% (top quartile).	3Y return: 22.81% (bottom quartile).	3Y return: 26.58% (bottom quartile).
Point 7	1Y return: 5.75% (upper mid).	1Y return: 3.10% (lower mid).	1Y return: 6.64% (top quartile).	1Y return: -2.25% (bottom quartile).	1Y return: 2.03% (bottom quartile).
Point 8	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: -0.35 (lower mid).	Alpha: -2.55 (bottom quartile).	Alpha: -3.51 (bottom quartile).
Point 9	Sharpe: -0.48 (top quartile).	Sharpe: -0.64 (upper mid).	Sharpe: -0.81 (bottom quartile).	Sharpe: -0.65 (lower mid).	Sharpe: -0.66 (bottom quartile).
Point 10	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: -0.37 (bottom quartile).	Information ratio: 0.10 (upper mid).	Information ratio: 0.79 (top quartile).

ICICI Prudential Infrastructure Fund

Upper mid AUM (₹7,645 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 37.31% (top quartile).
3Y return: 27.36% (lower mid).
1Y return: 5.75% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: -0.48 (top quartile).
Information ratio: 0.00 (lower mid).

HDFC Infrastructure Fund

Bottom quartile AUM (₹2,483 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 34.76% (upper mid).
3Y return: 27.53% (upper mid).
1Y return: 3.10% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.64 (upper mid).
Information ratio: 0.00 (bottom quartile).

SBI PSU Fund

Bottom quartile AUM (₹5,179 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 33.35% (lower mid).
3Y return: 29.34% (top quartile).
1Y return: 6.64% (top quartile).
Alpha: -0.35 (lower mid).
Sharpe: -0.81 (bottom quartile).
Information ratio: -0.37 (bottom quartile).

Nippon India Small Cap Fund

Highest AUM (₹64,821 Cr).
Established history (15+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 32.95% (bottom quartile).
3Y return: 22.81% (bottom quartile).
1Y return: -2.25% (bottom quartile).
Alpha: -2.55 (bottom quartile).
Sharpe: -0.65 (lower mid).
Information ratio: 0.10 (upper mid).

Nippon India Power and Infra Fund

Lower mid AUM (₹7,175 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 32.76% (bottom quartile).
3Y return: 26.58% (bottom quartile).
1Y return: 2.03% (bottom quartile).
Alpha: -3.51 (bottom quartile).
Sharpe: -0.66 (bottom quartile).
Information ratio: 0.79 (top quartile).

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	₹50.4864 ↑ 0.02	₹207	500	1.1	3.4	21.6	14.9	7.8	6.99%	1Y 10M 28D	2Y 7M 6D
Aditya Birla Sun Life Credit Risk Fund Growth	₹23.089 ↑ 0.01	₹1,044	100	2.1	4.9	13.4	10.8	11.9	7.78%	2Y 1M 6D	3Y 1M 13D
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	₹40.9555 ↑ 0.02	₹2,876	1,000	1.6	3.9	11.2	9.7	10.5	7.51%	3Y 4M 17D	4Y 6M 22D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Nov 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 (₹207 Cr).	Upper mid AUM (₹1,044 Cr).	Bottom quartile AUM (₹362 Cr).	Lower mid AUM (₹550 Cr).	Highest AUM (₹2,876 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: 21.58% (top quartile).	1Y return: 13.43% (upper mid).	1Y return: 12.83% (lower mid).	1Y return: 11.79% (bottom quartile).	1Y return: 11.24% (bottom quartile).
Point 6	1M return: 0.46% (lower mid).	1M return: 0.69% (top quartile).	1M return: 0.20% (bottom quartile).	1M return: 0.28% (bottom quartile).	1M return: 0.66% (upper mid).
Point 7	Sharpe: 1.56 (lower mid).	Sharpe: 2.29 (upper mid).	Sharpe: 0.98 (bottom quartile).	Sharpe: 0.99 (bottom quartile).	Sharpe: 2.36 (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): 6.99% (lower mid).	Yield to maturity (debt): 7.78% (top quartile).	Yield to maturity (debt): 4.52% (bottom quartile).	Yield to maturity (debt): 4.19% (bottom quartile).	Yield to maturity (debt): 7.51% (upper mid).
Point 10	Modified duration: 1.91 yrs (lower mid).	Modified duration: 2.10 yrs (bottom quartile).	Modified duration: 1.20 yrs (upper mid).	Modified duration: 0.47 yrs (top quartile).	Modified duration: 3.38 yrs (bottom quartile).

DSP Credit Risk Fund

Bottom quartile AUM (₹207 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 21.58% (top quartile).
1M return: 0.46% (lower mid).
Sharpe: 1.56 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.99% (lower mid).
Modified duration: 1.91 yrs (lower mid).

Aditya Birla Sun Life Credit Risk Fund

Upper mid AUM (₹1,044 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 13.43% (upper mid).
1M return: 0.69% (top quartile).
Sharpe: 2.29 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.78% (top quartile).
Modified duration: 2.10 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% (bottom quartile).
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% (bottom quartile).
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 (₹2,876 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 11.24% (bottom quartile).
1M return: 0.66% (upper mid).
Sharpe: 2.36 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.51% (upper mid).
Modified duration: 3.38 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 (%)
JM Equity Hybrid Fund Growth	₹122.556 ↓ -0.68	₹804	500	2	6.5	-1.1	19.9	20.9	27
ICICI Prudential Multi-Asset Fund Growth	₹799.23 ↑ 1.36	₹64,770	100	6.9	9	12.9	19.6	25.1	16.1
UTI Multi Asset Fund Growth	₹77.2023 ↓ -0.29	₹5,941	500	4.4	7.6	8.3	19.4	15.9	20.7
ICICI Prudential Equity and Debt Fund Growth	₹406.08 ↓ -1.92	₹45,168	100	4.4	6.8	9.8	19	26	17.2
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹38.33 ↓ -0.32	₹1,253	1,000	1.1	8.9	1.3	18.8	22.3	25.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Nov 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	JM Equity Hybrid Fund	ICICI Prudential Multi-Asset Fund	UTI Multi Asset Fund	ICICI Prudential Equity and Debt Fund	BOI AXA Mid and Small Cap Equity and Debt Fund
Point 1	Bottom quartile AUM (₹804 Cr).	Highest AUM (₹64,770 Cr).	Lower mid AUM (₹5,941 Cr).	Upper mid AUM (₹45,168 Cr).	Bottom quartile AUM (₹1,253 Cr).
Point 2	Oldest track record among peers (30 yrs).	Established history (23+ yrs).	Established history (17+ yrs).	Established history (26+ yrs).	Established history (9+ yrs).
Point 3	Rating: 1★ (lower mid).	Rating: 2★ (upper mid).	Rating: 1★ (bottom quartile).	Top rated.	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 20.90% (bottom quartile).	5Y return: 25.10% (upper mid).	5Y return: 15.92% (bottom quartile).	5Y return: 26.03% (top quartile).	5Y return: 22.28% (lower mid).
Point 6	3Y return: 19.87% (top quartile).	3Y return: 19.63% (upper mid).	3Y return: 19.39% (lower mid).	3Y return: 18.97% (bottom quartile).	3Y return: 18.80% (bottom quartile).
Point 7	1Y return: -1.08% (bottom quartile).	1Y return: 12.91% (top quartile).	1Y return: 8.30% (lower mid).	1Y return: 9.84% (upper mid).	1Y return: 1.35% (bottom quartile).
Point 8	1M return: 1.94% (lower mid).	1M return: 2.27% (upper mid).	1M return: 2.82% (top quartile).	1M return: 1.56% (bottom quartile).	1M return: 0.50% (bottom quartile).
Point 9	Alpha: -8.63 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 2.96 (top quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: -1.21 (bottom quartile).	Sharpe: 0.08 (top quartile).	Sharpe: -0.52 (lower mid).	Sharpe: -0.29 (upper mid).	Sharpe: -0.64 (bottom quartile).

JM Equity Hybrid Fund

Bottom quartile AUM (₹804 Cr).
Oldest track record among peers (30 yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 20.90% (bottom quartile).
3Y return: 19.87% (top quartile).
1Y return: -1.08% (bottom quartile).
1M return: 1.94% (lower mid).
Alpha: -8.63 (bottom quartile).
Sharpe: -1.21 (bottom quartile).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹64,770 Cr).
Established history (23+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 25.10% (upper mid).
3Y return: 19.63% (upper mid).
1Y return: 12.91% (top quartile).
1M return: 2.27% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.08 (top quartile).

UTI Multi Asset Fund

Lower mid AUM (₹5,941 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.92% (bottom quartile).
3Y return: 19.39% (lower mid).
1Y return: 8.30% (lower mid).
1M return: 2.82% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.52 (lower mid).

ICICI Prudential Equity and Debt Fund

Upper mid AUM (₹45,168 Cr).
Established history (26+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 26.03% (top quartile).
3Y return: 18.97% (bottom quartile).
1Y return: 9.84% (upper mid).
1M return: 1.56% (bottom quartile).
Alpha: 2.96 (top quartile).
Sharpe: -0.29 (upper mid).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,253 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 22.28% (lower mid).
3Y return: 18.80% (bottom quartile).
1Y return: 1.35% (bottom quartile).
1M return: 0.50% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.64 (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 (₹1,421 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 15.84% (bottom quartile).
3Y return: 48.86% (top quartile).
1Y return: 87.38% (top quartile).
Alpha: 3.15 (upper mid).
Sharpe: 1.80 (top quartile).
Information ratio: -1.09 (bottom quartile).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding BGF World Gold I2 (~75.6%).
Top-3 holdings concentration ~99.8%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (03 Nov 25)	₹42.7598 ↑ 0.09 (0.21 %)
Net Assets (Cr)	₹1,421 on 31 Aug 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	1.8
Information Ratio	-1.09
Alpha Ratio	3.15
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 Oct 20	₹10,000
31 Oct 21	₹9,021
31 Oct 22	₹6,936
31 Oct 23	₹8,194
31 Oct 24	₹11,716
31 Oct 25	₹21,909

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 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 3 Nov 25

Duration	Returns
1 Month	-5%
3 Month	38.6%
6 Month	58.5%
1 Year	87.4%
3 Year	48.9%
5 Year	15.8%
10 Year
15 Year
Since launch	8.3%

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	12.59 Yr.

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

Equity Sector Allocation

Sector	Value
Basic Materials	95.54%

Asset Allocation

Asset Class	Value
Cash	1.83%
Equity	95.6%
Debt	0.01%
Other	2.56%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	76%	₹1,268 Cr	1,456,030 ↓ -89,620
VanEck Gold Miners ETF - \| GDX	23%	₹389 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	1%	₹18 Cr
Net Receivables/Payables Net Current Assets \| -	0%	₹3 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

Highest AUM (₹7,509 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 27.75% (bottom quartile).
3Y return: 30.07% (upper mid).
1Y return: 6.65% (lower mid).
Alpha: 2.40 (lower mid).
Sharpe: -0.43 (upper mid).
Information ratio: 1.75 (top quartile).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~93%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~5.0%).

Below is the key information for Franklin India Opportunities Fund

Franklin India Opportunities Fund Growth
Launch Date	21 Feb 00
NAV (03 Nov 25)	₹263.504 ↑ 1.41 (0.54 %)
Net Assets (Cr)	₹7,509 on 31 Aug 25
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	-0.43
Information Ratio	1.75
Alpha Ratio	2.4
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 Oct 20	₹10,000
31 Oct 21	₹16,039
31 Oct 22	₹15,668
31 Oct 23	₹19,891
31 Oct 24	₹32,356
31 Oct 25	₹34,323

Franklin India Opportunities 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 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 3 Nov 25

Duration	Returns
1 Month	2.9%
3 Month	5.7%
6 Month	11.5%
1 Year	6.6%
3 Year	30.1%
5 Year	27.7%
10 Year
15 Year
Since launch	13.6%

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	3.65 Yr.
R. Janakiraman	1 Apr 13	12.51 Yr.
Sandeep Manam	18 Oct 21	3.96 Yr.

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

Equity Sector Allocation

Sector	Value
Consumer Cyclical	20.07%
Financial Services	18.85%
Health Care	12.76%
Technology	11.87%
Basic Materials	9.66%
Communication Services	5.71%
Industrials	4.42%
Energy	4.34%
Utility	2.78%
Consumer Defensive	1.74%
Real Estate	0.5%

Asset Allocation

Asset Class	Value
Cash	7.28%
Equity	92.71%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 May 24 \| HDFCBANK	5%	₹389 Cr	4,087,942
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 22 \| RELIANCE	4%	₹337 Cr	2,472,229
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 25 \| 532215	4%	₹334 Cr	2,950,277
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| 543320	4%	₹311 Cr	9,548,090
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Apr 25 \| MARUTI	4%	₹272 Cr	169,582
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 May 24 \| M&M	3%	₹219 Cr	637,966
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 24 \| BHARTIARTL	3%	₹218 Cr	1,158,502
Mphasis Ltd (Technology) Equity, Since 30 Nov 24 \| 526299	3%	₹216 Cr	814,231
NTPC Ltd (Utilities) Equity, Since 31 Aug 22 \| 532555	3%	₹216 Cr	6,333,312
Lemon Tree Hotels Ltd (Consumer Cyclical) Equity, Since 31 Aug 24 \| LEMONTREE	3%	₹213 Cr	12,833,401

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 (₹1,341 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 31.35% (upper mid).
3Y return: 29.55% (lower mid).
1Y return: 6.86% (upper mid).
Alpha: 5.81 (top quartile).
Sharpe: -0.58 (bottom quartile).
Information ratio: -0.46 (bottom quartile).
Higher exposure to Utility vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Bharat Electronics Ltd (~9.1%).

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund Growth
Launch Date	18 Nov 09
NAV (04 Nov 25)	₹66.7 ↓ -0.59 (-0.88 %)
Net Assets (Cr)	₹1,341 on 31 Aug 25
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.14
Sharpe Ratio	-0.58
Information Ratio	-0.46
Alpha Ratio	5.81
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 Oct 20	₹10,000
31 Oct 21	₹15,830
31 Oct 22	₹17,783
31 Oct 23	₹22,422
31 Oct 24	₹36,974
31 Oct 25	₹38,950

Invesco India PSU Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹657,502.
Net Profit of ₹357,502 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 3 Nov 25

Duration	Returns
1 Month	3.2%
3 Month	7.7%
6 Month	11.7%
1 Year	6.9%
3 Year	29.5%
5 Year	31.3%
10 Year
15 Year
Since launch	12.6%

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	0.25 Yr.
Sagar Gandhi	1 Jul 25	0.25 Yr.

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

Equity Sector Allocation

Sector	Value
Utility	29.05%
Industrials	28.51%
Financial Services	22.69%
Energy	14.07%
Basic Materials	4.39%

Asset Allocation

Asset Class	Value
Cash	1.29%
Equity	98.71%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharat Electronics Ltd (Industrials) Equity, Since 31 Mar 17 \| BEL	9%	₹128 Cr	3,178,489
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	9%	₹124 Cr	1,426,314
Bharat Petroleum Corp Ltd (Energy) Equity, Since 30 Sep 18 \| 500547	8%	₹110 Cr	3,229,041
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| HAL	8%	₹107 Cr	226,465
NTPC Ltd (Utilities) Equity, Since 31 May 19 \| 532555	7%	₹105 Cr	3,085,790
Power Grid Corp Of India Ltd (Utilities) Equity, Since 28 Feb 22 \| 532898	7%	₹101 Cr	3,599,413
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	6%	₹85 Cr	8,790,786
NHPC Ltd (Utilities) Equity, Since 31 Oct 22 \| NHPC	5%	₹66 Cr	7,649,437
REC Ltd (Financial Services) Equity, Since 31 Aug 23 \| 532955	4%	₹55 Cr	1,485,615
GAIL (India) Ltd (Utilities) Equity, Since 28 Feb 23 \| 532155	4%	₹54 Cr	3,089,630

4. 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 (₹995 Cr).
Established history (17+ yrs).
Not Rated.
Risk profile: High.
5Y return: 31.20% (lower mid).
3Y return: 29.43% (bottom quartile).
1Y return: 2.18% (bottom quartile).
Alpha: -1.71 (bottom quartile).
Sharpe: -0.46 (lower mid).
Information ratio: 0.34 (upper mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding Shakti Pumps (India) Ltd (~5.5%).

Below is the key information for LIC MF Infrastructure Fund

LIC MF Infrastructure Fund Growth
Launch Date	29 Feb 08
NAV (04 Nov 25)	₹51.1126 ↓ -0.32 (-0.61 %)
Net Assets (Cr)	₹995 on 31 Aug 25
Category	Equity - Sectoral
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	Not Rated
Risk	High
Expense Ratio	2.21
Sharpe Ratio	-0.47
Information Ratio	0.34
Alpha Ratio	-1.71
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 Oct 20	₹10,000
31 Oct 21	₹16,982
31 Oct 22	₹18,599
31 Oct 23	₹23,073
31 Oct 24	₹39,075
31 Oct 25	₹39,641

LIC MF Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹657,502.
Net Profit of ₹357,502 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 3 Nov 25

Duration	Returns
1 Month	2.2%
3 Month	3.5%
6 Month	17.6%
1 Year	2.2%
3 Year	29.4%
5 Year	31.2%
10 Year
15 Year
Since launch	9.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	47.8%
2023	44.4%
2022	7.9%
2021	46.6%
2020	-0.1%
2019	13.3%
2018	-14.6%
2017	42.2%
2016	-2.2%
2015	-6.2%

Fund Manager information for LIC MF Infrastructure Fund

Name	Since	Tenure
Yogesh Patil	18 Sep 20	5.04 Yr.
Mahesh Bendre	1 Jul 24	1.25 Yr.

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

Equity Sector Allocation

Sector	Value
Industrials	48.29%
Basic Materials	9.85%
Consumer Cyclical	8.84%
Financial Services	8.09%
Utility	6.27%
Technology	4.21%
Health Care	3.5%
Real Estate	3.4%
Communication Services	2.81%
Energy	0.96%

Asset Allocation

Asset Class	Value
Cash	3.77%
Equity	96.23%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shakti Pumps (India) Ltd (Industrials) Equity, Since 31 Mar 24 \| SHAKTIPUMP	6%	₹57 Cr	693,857
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Apr 09 \| LT	4%	₹40 Cr	109,584
Afcons Infrastructure Ltd (Industrials) Equity, Since 31 Oct 24 \| AFCONS	3%	₹35 Cr	769,765
REC Ltd (Financial Services) Equity, Since 31 Jul 23 \| 532955	3%	₹34 Cr	911,009
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 30 Jun 25 \| APOLLOHOSP	3%	₹33 Cr	44,149 ↓ -2,694
Avalon Technologies Ltd (Technology) Equity, Since 31 Jul 23 \| AVALON	3%	₹31 Cr	310,615
Garware Hi-Tech Films Ltd (Basic Materials) Equity, Since 31 Aug 23 \| 500655	3%	₹28 Cr	94,287
Schneider Electric Infrastructure Ltd (Industrials) Equity, Since 31 Dec 23 \| SCHNEIDER	3%	₹26 Cr	319,302
Bharat Bijlee Ltd (Industrials) Equity, Since 31 Jul 22 \| BBL	2%	₹25 Cr	80,133 ↑ 5,212
Cummins India Ltd (Industrials) Equity, Since 31 May 21 \| 500480	2%	₹24 Cr	62,276 ↓ -5,131

5. 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 (₹5,179 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 33.35% (top quartile).
3Y return: 29.34% (bottom quartile).
1Y return: 6.64% (bottom quartile).
Alpha: -0.35 (bottom quartile).
Sharpe: -0.81 (bottom quartile).
Information ratio: -0.37 (lower mid).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~15.7%).

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (04 Nov 25)	₹33.7012 ↓ -0.27 (-0.78 %)
Net Assets (Cr)	₹5,179 on 31 Aug 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.81
Information Ratio	-0.37
Alpha Ratio	-0.35
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 Oct 20	₹10,000
31 Oct 21	₹16,381
31 Oct 22	₹19,173
31 Oct 23	₹24,318
31 Oct 24	₹40,047
31 Oct 25	₹42,467

SBI PSU 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 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 3 Nov 25

Duration	Returns
1 Month	3.2%
3 Month	8.2%
6 Month	9.4%
1 Year	6.6%
3 Year	29.3%
5 Year	33.3%
10 Year
15 Year
Since launch	8.2%

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	1.33 Yr.

Data below for SBI PSU Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	36.21%
Utility	29.89%
Energy	13.58%
Industrials	12.34%
Basic Materials	5.79%

Asset Allocation

Asset Class	Value
Cash	2.18%
Equity	97.82%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	16%	₹866 Cr	9,927,500
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	9%	₹524 Cr	12,975,000
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| 532555	9%	₹495 Cr	14,543,244
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| 532898	8%	₹463 Cr	16,535,554
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| 532155	8%	₹454 Cr	25,750,000
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| 500547	6%	₹329 Cr	9,700,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| 532134	5%	₹284 Cr	11,000,000
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| 526371	4%	₹213 Cr	27,900,000
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| 532814	3%	₹182 Cr	2,427,235
Oil India Ltd (Energy) Equity, Since 31 Mar 24 \| OIL	3%	₹159 Cr	3,850,000

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.