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Best Mutual Funds for SIP 2019
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 19 - 20
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 (%) 2018 (%) ICICI Prudential Banking and Financial Services Fund Growth ₹66.74
↓ -0.25 ₹3,068 100 3.6 9.9 13.4 19.8 17.1 Mirae Asset India Equity Fund Growth ₹51.187
↓ -0.07 ₹12,315 1,000 0.6 5.2 9.6 15.3 14.4 Kotak Standard Multicap Fund Growth ₹35.76
↓ -0.12 ₹24,297 500 2.1 6.3 8.8 14.6 15.1 Tata India Tax Savings Fund Growth ₹18.4524
↓ 0.00 ₹1,790 500 2.7 7.7 7.5 13.5 Franklin Build India Fund Growth ₹42.3575
↓ -0.34 ₹1,256 500 0.5 5.9 7.4 12.7 16 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Jun 19
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 (%) 2018 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity HDFC Corporate Bond Fund Growth ₹21.3076
↑ 0.01 ₹12,684 500 3 5.7 10.3 8.2 8.26% 2Y 5M 26D 3Y 5M 5D Aditya Birla Sun Life Corporate Bond Fund Growth ₹73.2452
↑ 0.02 ₹15,320 100 2.8 5.1 9.8 8.1 8.4% 1Y 7M 20D 2Y 2M 8D Franklin India Ultra Short Bond Fund - Super Institutional Plan Growth ₹26.7956
↑ 0.01 ₹18,337 500 2.3 4.9 9.7 9 0% 6M 18D HDFC Banking and PSU Debt Fund Growth ₹15.3274
↑ 0.01 ₹3,001 500 2.5 5.1 9.6 7.8 8.66% 2Y 25D 2Y 7M 2D Franklin India Dynamic Accrual Fund Growth ₹67.489
↑ 0.03 ₹3,892 500 1.7 3.9 9.6 9 11.33% 2Y 1M 12D 2Y 10M 20D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Jun 19
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 (%) 2018 (%) ICICI Prudential MIP 25 Growth ₹43.1779
↓ -0.03 ₹1,626 100 1.8 4.3 8.2 9.8 10.2 Edelweiss Arbitrage Fund Growth ₹13.9314
↓ 0.00 ₹3,283 500 1.9 3.2 6.4 6.3 SBI Debt Hybrid Fund Growth ₹40.0137
↓ -0.05 ₹1,203 500 1.5 4.5 6 6.8 8.8 Aditya Birla Sun Life Regular Savings Fund Growth ₹39.3694
↓ -0.04 ₹2,279 500 1.7 2.7 3 8 9.9 Aditya Birla Sun Life Equity Hybrid 95 Fund Growth ₹747.82
↓ -1.86 ₹13,221 100 -0.8 1.4 0.5 8.3 10.4 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Jun 19
(Erstwhile IDFC Government Securities Fund - Short Term Plan) IDFC – GSF -ST is an open ended dedicated gilt scheme with an objective to generate optimal returns with high liquidity by investing Government Securities.
However there is no assurance that the investment objective of the scheme will be realized. IDFC Government Securities Fund - Constant Maturity Plan is a Debt - 10 Yr Govt Bond fund was launched on 9 Mar 02. It is a fund with Moderate risk and has given a Below is the key information for IDFC Government Securities Fund - Constant Maturity Plan Returns up to 1 year are on The Scheme aims to provide reasonable returns by investing in portfolio of Government Securities with average maturity of around 10 years. However, there can be no assurance that the investment objective of the
Scheme will be realized. ICICI Prudential Constant Maturity Gilt Fund is a Debt - 10 Yr Govt Bond fund was launched on 12 Sep 14. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Constant Maturity Gilt Fund Returns up to 1 year are on The investment objective of the scheme is to generate long-term capital appreciation to unit holders from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services. However, there can be no assurance that the investment objective of the Scheme will be realized. SBI Banking & Financial Services Fund is a Equity - Sectoral fund was launched on 26 Feb 15. It is a fund with High risk and has given a Below is the key information for SBI Banking & Financial Services Fund Returns up to 1 year are on IDFC – GSF -IP is an open ended dedicated gilt scheme with an objective to generate optimal returns with high liquidity by investing in Government Securities.However there is no assurance that the investment objective of the scheme will be realized. IDFC Government Securities Fund - Investment Plan is a Debt - Government Bond fund was launched on 3 Dec 08. It is a fund with Moderate risk and has given a Below is the key information for IDFC Government Securities Fund - Investment Plan Returns up to 1 year are on The primary investment objective of the scheme is to generate optimal credit risk-free returns by investing in a portfolio of securities issued and guaranteed by the Central Government and State Government. Reliance Gilt Securities Fund is a Debt - Government Bond fund was launched on 22 Aug 08. It is a fund with Moderate risk and has given a Below is the key information for Reliance Gilt Securities Fund Returns up to 1 year are on 1. IDFC Government Securities Fund - Constant Maturity Plan
CAGR/Annualized return of 6.6% since its launch. Ranked 2 in 10 Yr Govt Bond category. . IDFC Government Securities Fund - Constant Maturity Plan
Growth Launch Date 9 Mar 02 NAV (19 Jun 19) ₹30.1138 ↓ -0.04 (-0.14 %) Net Assets (Cr) ₹37 on 30 Apr 19 Category Debt - 10 Yr Govt Bond AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.45 Sharpe Ratio 2.02 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 8.06% Effective Maturity 10 Years 7 Months 2 Days Modified Duration 6 Years 10 Months 20 Days Growth of 10,000 investment over the years.
Date Value 31 May 14 ₹10,000 31 May 15 ₹11,107 31 May 16 ₹12,136 31 May 17 ₹13,258 31 May 18 ₹13,918 31 May 19 ₹16,191 Returns for IDFC Government Securities Fund - Constant Maturity Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Jun 19 Duration Returns 1 Month 4.5% 3 Month 6.7% 6 Month 7.8% 1 Year 18.6% 3 Year 10.7% 5 Year 10.5% 10 Year 15 Year Since launch 6.6% Historical performance (Yearly) on absolute basis
Year Returns 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 Fund Manager information for IDFC Government Securities Fund - Constant Maturity Plan
Name Since Tenure Harshal Joshi 15 May 17 1.88 Yr. Data below for IDFC Government Securities Fund - Constant Maturity Plan as on 30 Apr 19
Asset Allocation
Asset Class Value Cash 3.8% Debt 96.2% Debt Sector Allocation
Sector Value Government 96.2% Cash Equivalent 3.8% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 08.08 MH SDL 2028
Sovereign Bonds | -27% ₹10 Cr 1,000,000
↑ 500,000 6.68% Govt Stock 2031
Sovereign Bonds | -25% ₹9 Cr 1,000,000
↓ -420,000 7.95% Govt Stock 2032
Sovereign Bonds | -14% ₹5 Cr 500,000
↑ 500,000 08.37 TN SDL 2029
Sovereign Bonds | -14% ₹5 Cr 500,000 08.30 KA SDL 2029
Sovereign Bonds | -14% ₹5 Cr 500,000 08.08 GJ SDL 2028
Sovereign Bonds | -3% ₹1 Cr 96,700 Triparty Repo
CBLO/Reverse Repo | -2% ₹1 Cr Net Current Assets
Net Current Assets | -1% ₹0 Cr 2. ICICI Prudential Constant Maturity Gilt Fund
CAGR/Annualized return of 10.3% since its launch. Ranked 6 in 10 Yr Govt Bond category. . ICICI Prudential Constant Maturity Gilt Fund
Growth Launch Date 12 Sep 14 NAV (19 Jun 19) ₹15.9851 ↓ -0.02 (-0.15 %) Net Assets (Cr) ₹60 on 30 Apr 19 Category Debt - 10 Yr Govt Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.33 Sharpe Ratio 1.86 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-7 Days (0.25%),7 Days and above(NIL) Yield to Maturity 7.51% Effective Maturity 8 Years 10 Months 20 Days Modified Duration 6 Years 22 Days Growth of 10,000 investment over the years.
Date Value 31 May 15 ₹10,979 31 May 16 ₹11,962 31 May 17 ₹13,331 31 May 18 ₹13,723 31 May 19 ₹15,616 Returns for ICICI Prudential Constant Maturity Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Jun 19 Duration Returns 1 Month 4.3% 3 Month 6.3% 6 Month 6.7% 1 Year 15.7% 3 Year 9.9% 5 Year 10 Year 15 Year Since launch 10.3% Historical performance (Yearly) on absolute basis
Year Returns 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 Fund Manager information for ICICI Prudential Constant Maturity Gilt Fund
Name Since Tenure Rahul Goswami 12 Sep 14 4.55 Yr. Data below for ICICI Prudential Constant Maturity Gilt Fund as on 30 Apr 19
Asset Allocation
Asset Class Value Cash 9.27% Debt 90.73% Debt Sector Allocation
Sector Value Government 90.73% Cash Equivalent 9.27% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.26% Govt Stock 2029
Sovereign Bonds | -49% ₹30 Cr 3,000,000
↑ 2,500,000 7.95% Govt Stock 2032
Sovereign Bonds | -17% ₹10 Cr 1,000,000 GOVT STOCK
Sovereign Bonds | -16% ₹10 Cr 1,000,000
↑ 1,000,000 7.17% Govt Stock 2028
Sovereign Bonds | -8% ₹5 Cr 486,500
↓ -1,000,000 Treps
CBLO/Reverse Repo | -8% ₹5 Cr Net Current Assets
Net Current Assets | -2% ₹1 Cr 3. SBI Banking & Financial Services Fund
CAGR/Annualized return of 15.4% since its launch. . SBI Banking & Financial Services Fund
Growth Launch Date 26 Feb 15 NAV (19 Jun 19) ₹18.5646 ↑ 0.01 (0.07 %) Net Assets (Cr) ₹776 on 30 Apr 19 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating Risk High Expense Ratio 3.02 Sharpe Ratio 0.57 Information Ratio -0.09 Alpha Ratio -4.24 Min Investment 5,000 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 May 15 ₹9,692 31 May 16 ₹10,270 31 May 17 ₹13,710 31 May 18 ₹16,088 31 May 19 ₹19,092 Returns for SBI Banking & Financial Services Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Jun 19 Duration Returns 1 Month 1.9% 3 Month 5.5% 6 Month 9.9% 1 Year 15.6% 3 Year 21.3% 5 Year 10 Year 15 Year Since launch 15.4% Historical performance (Yearly) on absolute basis
Year Returns 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 Fund Manager information for SBI Banking & Financial Services Fund
Name Since Tenure Sohini Andani 26 Feb 15 4.18 Yr. Data below for SBI Banking & Financial Services Fund as on 30 Apr 19
Equity Sector Allocation
Sector Value Financial Services 94.89% Asset Allocation
Asset Class Value Cash 5.11% Equity 94.89% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 28 Feb 15 | HDFCBANK17% ₹154 Cr 636,000
↓ -105,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 16 | ICICIBANK10% ₹91 Cr 2,155,814
↓ -350,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Mar 15 | KOTAKBANK9% ₹78 Cr 510,000 State Bank of India (Financial Services)
Equity, Since 31 Jul 18 | SBIN8% ₹75 Cr 2,115,000
↑ 500,000 Cholamandalam Financial Holdings Ltd (Financial Services)
Equity, Since 31 Mar 19 | 5049738% ₹70 Cr 1,407,084
↑ 131,000 IndusInd Bank Ltd (Financial Services)
Equity, Since 31 May 19 | INDUSINDBK6% ₹58 Cr 360,000
↑ 360,000 Bank of Baroda (Financial Services)
Equity, Since 31 May 19 | 5321346% ₹53 Cr 4,000,000
↑ 4,000,000 AU Small Finance Bank Ltd (Financial Services)
Equity, Since 31 Jul 17 | 5406115% ₹47 Cr 678,045 ICICI Prudential Life Insurance Co Ltd (Financial Services)
Equity, Since 31 Mar 19 | ICICIPRULI5% ₹47 Cr 1,200,000 Axis Bank Ltd (Financial Services)
Equity, Since 30 Jun 18 | 5322155% ₹42 Cr 520,000
↓ -350,000 4. IDFC Government Securities Fund - Investment Plan
CAGR/Annualized return of 8.4% since its launch. Ranked 14 in Government Bond category. . IDFC Government Securities Fund - Investment Plan
Growth Launch Date 3 Dec 08 NAV (19 Jun 19) ₹23.3402 ↓ -0.03 (-0.15 %) Net Assets (Cr) ₹422 on 30 Apr 19 Category Debt - Government Bond AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.37 Sharpe Ratio 1.76 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 8.22% Effective Maturity 9 Years 4 Months 17 Days Modified Duration 6 Years 3 Months 11 Days Growth of 10,000 investment over the years.
Date Value 31 May 14 ₹10,000 31 May 15 ₹11,392 31 May 16 ₹12,144 31 May 17 ₹13,787 31 May 18 ₹13,811 31 May 19 ₹15,672 Returns for IDFC Government Securities Fund - Investment Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Jun 19 Duration Returns 1 Month 4.1% 3 Month 5.9% 6 Month 7% 1 Year 15.4% 3 Year 9.4% 5 Year 9.7% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 Fund Manager information for IDFC Government Securities Fund - Investment Plan
Name Since Tenure Suyash Choudhary 15 Oct 10 8.46 Yr. Data below for IDFC Government Securities Fund - Investment Plan as on 30 Apr 19
Asset Allocation
Asset Class Value Cash 2.64% Debt 97.36% Debt Sector Allocation
Sector Value Government 97.36% Cash Equivalent 2.64% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 08.28 GJ SDL 2029
Sovereign Bonds | -20% ₹86 Cr 8,500,000 08.08 MH SDL 2028
Sovereign Bonds | -17% ₹70 Cr 7,000,000 08.08 TN SDL 2028
Sovereign Bonds | -13% ₹57 Cr 5,700,000
↑ 500,000 08.32 KA SDL 2029
Sovereign Bonds | -11% ₹46 Cr 4,500,000 08.26 MH SDL 2029
Sovereign Bonds | -11% ₹45 Cr 4,500,000 7.18% MH SDL 2029
Sovereign Bonds | -6% ₹25 Cr 2,700,000
↑ 2,700,000 08.30 GJ SDL 2029
Sovereign Bonds | -6% ₹25 Cr 2,500,000 08.30 KA SDL 2029
Sovereign Bonds | -5% ₹20 Cr 2,000,000 GOVT STOCK
Sovereign Bonds | -3% ₹13 Cr 1,300,000
↑ 1,300,000 7.35% Govt Stock 2024
Sovereign Bonds | -3% ₹11 Cr 1,100,000 5. Reliance Gilt Securities Fund
CAGR/Annualized return of 9.2% since its launch. Ranked 2 in Government Bond category. . Reliance Gilt Securities Fund
Growth Launch Date 22 Aug 08 NAV (19 Jun 19) ₹26.1034 ↓ -0.03 (-0.11 %) Net Assets (Cr) ₹962 on 30 Apr 19 Category Debt - Government Bond AMC Reliance Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.81 Sharpe Ratio 2.15 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-15 Days (0.25%),15 Days and above(NIL) Yield to Maturity 7.82% Effective Maturity 9 Years 4 Days Modified Duration 6 Years 11 Days Growth of 10,000 investment over the years.
Date Value 31 May 14 ₹10,000 31 May 15 ₹11,527 31 May 16 ₹12,442 31 May 17 ₹14,208 31 May 18 ₹14,504 31 May 19 ₹16,363 Returns for Reliance Gilt Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Jun 19 Duration Returns 1 Month 4.2% 3 Month 6% 6 Month 6.9% 1 Year 14.8% 3 Year 10.2% 5 Year 10.6% 10 Year 15 Year Since launch 9.2% Historical performance (Yearly) on absolute basis
Year Returns 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 Fund Manager information for Reliance Gilt Securities Fund
Name Since Tenure Prashant Pimple 30 Mar 09 10.01 Yr. Data below for Reliance Gilt Securities Fund as on 30 Apr 19
Asset Allocation
Asset Class Value Cash 3.62% Debt 96.27% Other 0.11% Debt Sector Allocation
Sector Value Government 96.27% Cash Equivalent 3.62% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.95% Govt Stock 2032
Sovereign Bonds | -17% ₹168 Cr 16,500,000
↑ 5,500,000 08.14 GJ SDL 2029
Sovereign Bonds | -13% ₹125 Cr 12,500,000
↑ 8,000,000 08.16 KA SDL 2029
Sovereign Bonds | -10% ₹100 Cr 10,000,000
↓ -2,500,000 GOVT STOCK
Sovereign Bonds | -10% ₹92 Cr 9,202,900
↑ 9,202,900 7.17% Govt Stock 2028
Sovereign Bonds | -9% ₹90 Cr 9,173,000
↓ -7,593,000 8.24% Govt Stock 2027
Sovereign Bonds | -9% ₹88 Cr 8,500,000
↑ 8,500,000 08.28 GJ SDL 2029
Sovereign Bonds | -7% ₹71 Cr 7,000,000
↓ -5,000,000 08.08 MH SDL 2028
Sovereign Bonds | -6% ₹55 Cr 5,500,000 8.95% Maharashtra SDL 2022
Sovereign Bonds | -4% ₹41 Cr 4,000,000
↑ 4,000,000 08.18 TN SDL 2028
Sovereign Bonds | -3% ₹30 Cr 3,000,000
↓ -11,000,000
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.
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.
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