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Best Mutual Funds for SIP 2025

Updated on June 5, 2025 , 14184 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 (%)
Nippon India Small Cap Fund Growth	₹168.485 ↑ 0.49	₹58,029	100	15.8	-6.9	7.2	28	38.5	26.1
ICICI Prudential Infrastructure Fund Growth	₹196.47 ↑ 1.77	₹7,416	100	15	0.8	10.1	33	38.2	27.4
Motilal Oswal Midcap 30 Fund Growth	₹101.035 ↑ 0.60	₹27,780	500	11.8	-10	16.3	32.8	36.9	57.1
L&T Emerging Businesses Fund Growth	₹82.2862 ↑ 0.99	₹14,737	500	17.2	-9.9	5.2	24.5	35.8	28.5
HDFC Infrastructure Fund Growth	₹47.762 ↑ 0.17	₹2,392	300	16.5	-1.5	7	33.8	35.7	23
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 6 Jun 25

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 BlackRock Credit Risk Fund Growth	₹49.6315 ↑ 0.03	₹207	500	11.6	18.7	23.5	14.9	7.8	7.34%	1Y 11M 5D	2Y 7M 17D
L&T Credit Risk Fund Growth	₹32.3387 ↑ 0.05	₹670	1,000	15.8	17.6	22	11.4	7.2	7.44%	2Y 6M 7D	3Y 5M 12D
Aditya Birla Sun Life Credit Risk Fund Growth	₹22.3153 ↑ 0.04	₹985	100	3.7	9.1	17.9	11.3	11.9	8.03%	2Y 4M 24D	3Y 8M 16D
Aditya Birla Sun Life Medium Term Plan Growth	₹39.9762 ↑ 0.06	₹2,338	1,000	4	7.9	15.1	15	10.5	7.68%	3Y 7M 6D	4Y 9M 29D
Sundaram Short Term Debt Fund Growth	₹36.3802 ↑ 0.01	₹362	250	0.8	11.4	12.8	5.3		4.52%	1Y 2M 13D	1Y 7M 3D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 6 Jun 25

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	₹119.835 ↑ 1.37	₹802	500	8.3	-5.7	2.6	23.4	27	27
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹38.65 ↑ 0.06	₹1,095	1,000	15	-3	10.5	22.6	27.6	25.8
HDFC Balanced Advantage Fund Growth	₹518.674 ↑ 2.74	₹97,461	300	8.9	1.6	9.1	22	25.1	16.7
UTI Multi Asset Fund Growth	₹73.8229 ↑ 0.34	₹5,517	500	8.2	1.8	9.7	20.8	17.4	20.7
ICICI Prudential Equity and Debt Fund Growth	₹388.87 ↑ 2.92	₹42,340	100	9.8	4	12.3	20.7	25.9	17.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 6 Jun 25

1. 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.

Invesco India PSU Equity Fund is a Equity - Sectoral fund was launched on 18 Nov 09. It is a fund with High risk and has given a CAGR/Annualized return of 12.8% since its launch. Ranked 33 in Sectoral category. Return for 2024 was 25.6% , 2023 was 54.5% and 2022 was 20.5% .

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund Growth
Launch Date	18 Nov 09
NAV (06 Jun 25)	₹64.69 ↑ 0.33 (0.51 %)
Net Assets (Cr)	₹1,281 on 30 Apr 25
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.39
Sharpe Ratio	-0.09
Information Ratio	-0.3
Alpha Ratio	6.92
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 May 20	₹10,000
31 May 21	₹14,678
31 May 22	₹15,757
31 May 23	₹19,884
31 May 24	₹40,074
31 May 25	₹39,362

Invesco India PSU Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹642,208.
Net Profit of ₹342,208 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 6 Jun 25

Duration	Returns
1 Month	9.6%
3 Month	21.8%
6 Month	0.1%
1 Year	3.1%
3 Year	36.4%
5 Year	30.1%
10 Year
15 Year
Since launch	12.8%

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
Dhimant Kothari	19 May 20	5.04 Yr.

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

Equity Sector Allocation

Sector	Value
Industrials	29.48%
Utility	26.88%
Financial Services	22.09%
Energy	16.43%
Basic Materials	3.8%

Asset Allocation

Asset Class	Value
Cash	1.31%
Equity	98.69%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Power Grid Corp Of India Ltd (Utilities) Equity, Since 28 Feb 22 \| 532898	9%	₹111 Cr	3,599,413
Bharat Electronics Ltd (Industrials) Equity, Since 31 Mar 17 \| BEL	8%	₹109 Cr	3,455,627 ↓ -438,992
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	8%	₹108 Cr	1,365,114 ↑ 113,571
Bharat Petroleum Corp Ltd (Energy) Equity, Since 30 Sep 18 \| 500547	8%	₹107 Cr	3,445,961
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| HAL	8%	₹105 Cr	233,477 ↑ 58,122
NTPC Ltd (Utilities) Equity, Since 31 May 19 \| 532555	6%	₹76 Cr	2,148,687 ↑ 578,056
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	5%	₹59 Cr	5,911,723
Hindustan Petroleum Corp Ltd (Energy) Equity, Since 30 Nov 23 \| HINDPETRO	5%	₹59 Cr	1,564,169
Bharat Dynamics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| BDL	4%	₹52 Cr	338,824
NHPC Ltd (Utilities) Equity, Since 31 Oct 22 \| NHPC	4%	₹51 Cr	5,962,963 ↑ 2,141,456

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.

SBI PSU Fund is a Equity - Sectoral fund was launched on 7 Jul 10. It is a fund with High risk and has given a CAGR/Annualized return of 8.2% since its launch. Ranked 31 in Sectoral category. Return for 2024 was 23.5% , 2023 was 54% and 2022 was 29% .

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (06 Jun 25)	₹32.1814 ↑ 0.26 (0.83 %)
Net Assets (Cr)	₹5,035 on 30 Apr 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	2.3
Sharpe Ratio	-0.3
Information Ratio	-0.18
Alpha Ratio	1.05
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 May 20	₹10,000
31 May 21	₹15,496
31 May 22	₹16,867
31 May 23	₹20,532
31 May 24	₹41,696
31 May 25	₹41,224

SBI PSU 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 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 6 Jun 25

Duration	Returns
1 Month	6.4%
3 Month	14.6%
6 Month	-2%
1 Year	3%
3 Year	35.3%
5 Year	31.3%
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 Yr.

Data below for SBI PSU Fund as on 30 Apr 25

Equity Sector Allocation

Sector	Value
Financial Services	35.59%
Utility	30.25%
Energy	15.7%
Industrials	9.6%
Basic Materials	5.14%

Asset Allocation

Asset Class	Value
Cash	3.7%
Equity	96.3%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	13%	₹676 Cr	8,577,500
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| 532155	10%	₹487 Cr	25,750,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| 532898	9%	₹465 Cr	15,135,554
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| 532555	9%	₹431 Cr	12,143,244 ↑ 1,400,000
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	8%	₹426 Cr	13,575,000
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| 500547	6%	₹301 Cr	9,700,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| 532134	5%	₹275 Cr	11,000,000
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| 526371	4%	₹181 Cr	27,900,000
General Insurance Corp of India (Financial Services) Equity, Since 31 May 24 \| GICRE	3%	₹173 Cr	4,150,000
Oil India Ltd (Energy) Equity, Since 31 Mar 24 \| OIL	3%	₹158 Cr	3,850,000

3. HDFC Infrastructure Fund

To seek long-term capital appreciation by investing predominantly in equity and equity related securities of companies engaged in or expected to benefit from growth and development of infrastructure.

HDFC Infrastructure Fund is a Equity - Sectoral fund was launched on 10 Mar 08. It is a fund with High risk and has given a CAGR/Annualized return of since its launch. Ranked 26 in Sectoral category. Return for 2024 was 23% , 2023 was 55.4% and 2022 was 19.3% .

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund Growth
Launch Date	10 Mar 08
NAV (06 Jun 25)	₹47.762 ↑ 0.17 (0.35 %)
Net Assets (Cr)	₹2,392 on 30 Apr 25
Category	Equity - Sectoral
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	2.31
Sharpe Ratio	-0.27
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 May 20	₹10,000
31 May 21	₹18,382
31 May 22	₹20,960
31 May 23	₹26,577
31 May 24	₹47,409
31 May 25	₹49,598

HDFC Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹721,906.
Net Profit of ₹421,906 Invest Now

Returns for HDFC 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 6 Jun 25

Duration	Returns
1 Month	7.8%
3 Month	16.5%
6 Month	-1.5%
1 Year	7%
3 Year	33.8%
5 Year	35.7%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23%
2023	55.4%
2022	19.3%
2021	43.2%
2020	-7.5%
2019	-3.4%
2018	-29%
2017	43.3%
2016	-1.9%
2015	-2.5%

Fund Manager information for HDFC Infrastructure Fund

Name	Since	Tenure
Srinivasan Ramamurthy	12 Jan 24	1.38 Yr.
Dhruv Muchhal	22 Jun 23	1.94 Yr.

Data below for HDFC Infrastructure Fund as on 30 Apr 25

Equity Sector Allocation

Sector	Value
Industrials	37.51%
Financial Services	20.97%
Basic Materials	11.02%
Utility	7.56%
Energy	6.75%
Communication Services	4.01%
Real Estate	2.2%
Health Care	1.75%
Technology	1.27%
Consumer Cyclical	0.48%

Asset Allocation

Asset Class	Value
Cash	6.48%
Equity	93.52%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	8%	₹186 Cr	1,300,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Aug 23 \| HDFCBANK	6%	₹135 Cr	700,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 12 \| LT	5%	₹127 Cr	380,000
J Kumar Infraprojects Ltd (Industrials) Equity, Since 31 Oct 15 \| JKIL	4%	₹94 Cr	1,450,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Dec 21 \| INDIGO	3%	₹79 Cr	150,000
NTPC Ltd (Utilities) Equity, Since 31 Dec 17 \| 532555	3%	₹78 Cr	2,200,000
Kalpataru Projects International Ltd (Industrials) Equity, Since 31 Jan 23 \| KPIL	3%	₹74 Cr	758,285
Reliance Industries Ltd (Energy) Equity, Since 31 May 24 \| RELIANCE	3%	₹70 Cr	500,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 20 \| BHARTIARTL	3%	₹65 Cr	350,000
Paradeep Phosphates Ltd (Basic Materials) Equity, Since 31 May 22 \| 543530	3%	₹62 Cr	4,300,000 ↓ -400,000

4. Nippon India Power and Infra Fund

(Erstwhile Reliance Diversified Power Sector Fund)

The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies in the power sector.

Nippon India Power and Infra Fund is a Equity - Sectoral fund was launched on 8 May 04. It is a fund with High risk and has given a CAGR/Annualized return of 18.3% since its launch. Ranked 13 in Sectoral category. Return for 2024 was 26.9% , 2023 was 58% and 2022 was 10.9% .

Below is the key information for Nippon India Power and Infra Fund

Nippon India Power and Infra Fund Growth
Launch Date	8 May 04
NAV (06 Jun 25)	₹346.797 ↑ 1.57 (0.45 %)
Net Assets (Cr)	₹7,026 on 30 Apr 25
Category	Equity - Sectoral
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	2.05
Sharpe Ratio	-0.19
Information Ratio	1.09
Alpha Ratio	-2.32
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 May 20	₹10,000
31 May 21	₹17,696
31 May 22	₹19,981
31 May 23	₹25,995
31 May 24	₹46,664
31 May 25	₹46,582

Nippon India Power and Infra Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹705,310.
Net Profit of ₹405,310 Invest Now

Returns for Nippon India Power and Infra Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Jun 25

Duration	Returns
1 Month	8%
3 Month	15.9%
6 Month	-5.2%
1 Year	2%
3 Year	33.8%
5 Year	34.1%
10 Year
15 Year
Since launch	18.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	26.9%
2023	58%
2022	10.9%
2021	48.9%
2020	10.8%
2019	-2.9%
2018	-21.1%
2017	61.7%
2016	0.1%
2015	0.3%

Fund Manager information for Nippon India Power and Infra Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	7.02 Yr.
Rahul Modi	19 Aug 24	0.78 Yr.

Data below for Nippon India Power and Infra Fund as on 30 Apr 25

Equity Sector Allocation

Sector	Value
Industrials	38.96%
Utility	20.7%
Energy	9.63%
Communication Services	7.86%
Basic Materials	7.5%
Consumer Cyclical	4.3%
Real Estate	3.02%
Financial Services	2.18%
Health Care	2.09%
Technology	2.02%

Asset Allocation

Asset Class	Value
Cash	0.52%
Equity	99.48%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 18 \| RELIANCE	8%	₹576 Cr	4,100,000
NTPC Ltd (Utilities) Equity, Since 31 May 09 \| 532555	8%	₹550 Cr	15,500,000 ↑ 100,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 18 \| BHARTIARTL	7%	₹485 Cr	2,600,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 07 \| LT	6%	₹449 Cr	1,344,337 ↓ -127,664
Tata Power Co Ltd (Utilities) Equity, Since 30 Apr 23 \| 500400	4%	₹296 Cr	7,700,789 ↑ 570,000
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Oct 19 \| 532538	3%	₹233 Cr	200,000 ↓ -40,038
Kaynes Technology India Ltd (Industrials) Equity, Since 30 Nov 22 \| KAYNES	3%	₹213 Cr	370,000 ↓ -53,938
Bharat Heavy Electricals Ltd (Industrials) Equity, Since 30 Sep 24 \| 500103	3%	₹193 Cr	8,513,730 ↑ 513,730
CG Power & Industrial Solutions Ltd (Industrials) Equity, Since 30 Sep 24 \| 500093	3%	₹192 Cr	3,057,923 ↑ 425,000
Carborundum Universal Ltd (Industrials) Equity, Since 30 Sep 23 \| CARBORUNIV	3%	₹184 Cr	1,800,000

5. 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.

Franklin India Opportunities Fund is a Equity - Sectoral fund was launched on 21 Feb 00. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 13.6% since its launch. Ranked 47 in Sectoral category. Return for 2024 was 37.3% , 2023 was 53.6% and 2022 was -1.9% .

Below is the key information for Franklin India Opportunities Fund

Franklin India Opportunities Fund Growth
Launch Date	21 Feb 00
NAV (06 Jun 25)	₹249.327 ↑ 1.52 (0.61 %)
Net Assets (Cr)	₹6,485 on 30 Apr 25
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.12
Sharpe Ratio	0.19
Information Ratio	1.89
Alpha Ratio	3
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 May 20	₹10,000
31 May 21	₹17,667
31 May 22	₹17,708
31 May 23	₹22,025
31 May 24	₹38,020
31 May 25	₹41,249

Franklin India Opportunities 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 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 6 Jun 25

Duration	Returns
1 Month	5.7%
3 Month	13.6%
6 Month	-2.7%
1 Year	10.2%
3 Year	33.6%
5 Year	31.7%
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	3.31 Yr.
R. Janakiraman	1 Apr 13	12.17 Yr.
Sandeep Manam	18 Oct 21	3.62 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	19.02%
Consumer Cyclical	15.92%
Health Care	10.92%
Technology	9.86%
Communication Services	8.43%
Basic Materials	8.14%
Energy	6.58%
Consumer Defensive	5.67%
Industrials	4.86%
Real Estate	2.15%
Utility	1.33%

Asset Allocation

Asset Class	Value
Cash	7.11%
Equity	92.89%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 22 \| RELIANCE	7%	₹427 Cr	3,038,968 ↑ 1,051,870
HDFC Bank Ltd (Financial Services) Equity, Since 31 May 24 \| HDFCBANK	6%	₹393 Cr	2,043,971
Hindustan Unilever Ltd (Consumer Defensive) Equity, Since 30 Jun 24 \| HINDUNILVR	4%	₹263 Cr	1,121,657 ↑ 317,705
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 24 \| BHARTIARTL	4%	₹250 Cr	1,342,233
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 25 \| 532215	4%	₹231 Cr	1,948,029 ↑ 1,948,029
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 May 24 \| M&M	3%	₹187 Cr	637,966
Lemon Tree Hotels Ltd (Consumer Cyclical) Equity, Since 31 Aug 24 \| LEMONTREE	3%	₹176 Cr	12,833,401
Mphasis Ltd (Technology) Equity, Since 30 Nov 24 \| 526299	3%	₹175 Cr	710,533
Intellect Design Arena Ltd (Technology) Equity, Since 30 Jun 24 \| INTELLECT	3%	₹164 Cr	2,076,823 ↑ 2,076,823
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jan 10 \| ICICIBANK	3%	₹164 Cr	1,148,695

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.