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Best Mutual Funds for SIP 2021

Updated on September 23, 2021 , 6655 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 21 - 22

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 (%)	2020 (%)
ICICI Prudential Technology Fund Growth	₹164.46 ↑ 1.37	₹5,037	100	28.9	52.2	111.6	38.8	33.6	70.6
TATA Digital India Fund Growth	₹38.7006 ↑ 0.24	₹2,768	500	29.2	50.2	110.4	35.6	32.7	54.8
Aditya Birla Sun Life Digital India Fund Growth	₹140.34 ↑ 1.17	₹2,288	1,000	24.7	45.3	103.7	37.3	32.2	59
SBI Technology Opportunities Fund Growth	₹155.715 ↑ 1.22	₹1,465	500	24.9	45.7	96.4	34	28.1	47.3
Franklin India Technology Fund Growth	₹356.537 ↑ 3.29	₹700	500	18.9	27.9	66.7	29.8	26.2	56.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Sep 21

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 (%)	2020 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Nippon India Strategic Debt Fund Growth	₹12.4706 ↓ -0.02	₹274	100	15.3	16.8	20.7	-4.1	-23.5	5.11%	2Y 3M 18D	2Y 9M 14D
Nippon India Credit Risk Fund Growth	₹27.0848 ↓ -0.01	₹990	100	8.1	10.2	15.4	3.2	-5.9	6.79%	1Y 11M 16D	2Y 7M 2D
UTI Credit Risk Fund Growth	₹12.6934 ↓ -0.01	₹411	500	10	11.8	14.9	-7.6	-27.8	5.83%	1Y 3M 11D	1Y 10M 24D
Baroda Pioneer Credit Risk Fund Growth	₹16.1437 ↓ -0.01	₹197	500	2.7	8.1	13.4	5.6	2.4	5.49%	1Y 8M 23D	2Y 5M 1D
HDFC Credit Risk Debt Fund Growth	₹19.0539 ↓ 0.00	₹8,311	500	2.1	4.8	10.1	9.5	10.9	6.67%	2Y 3M 11D	2Y 11M 12D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Sep 21

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 (%)	2020 (%)
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹22.97 ↓ -0.02	₹345	1,000	14.4	35.6	74.8	20.9	16.6	31.1
BNP Paribas Substantial Equity Hybrid Fund Growth	₹18.6111 ↓ -0.02	₹693	300	7.7	19.1	50.2	19.6		14.9
DSP BlackRock Equity and Bond Fund Growth	₹240.273 ↓ -0.46	₹7,516	500	9.8	20.2	54.2	19.4	13.6	17
Axis Triple Advantage Fund Growth	₹31.0036 ↓ -0.05	₹1,180	1,000	12	21.7	49.5	19.2	12.9	18
Canara Robeco Equity Debt Allocation Fund Growth	₹249.34 ↓ -0.13	₹6,493	1,000	10.4	19.5	48	18.9	14.6	19.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Sep 21

1. ICICI Prudential Technology Fund

To generate long-term capital appreciation for you from a portfolio made up predominantly of equity and equity-related securities of technology intensive companies.

ICICI Prudential Technology Fund is a Equity - Sectoral fund was launched on 3 Mar 00. It is a fund with High risk and has given a CAGR/Annualized return of 13.9% since its launch. Ranked 37 in Sectoral category. Return for 2020 was 70.6% , 2019 was 2.3% and 2018 was 19.1% .

Below is the key information for ICICI Prudential Technology Fund

ICICI Prudential Technology Fund Growth
Launch Date	3 Mar 00
NAV (24 Sep 21)	₹164.46 ↑ 1.37 (0.84 %)
Net Assets (Cr)	₹5,037 on 31 Aug 21
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆
Risk	High
Expense Ratio	2.53
Sharpe Ratio	5.19
Information Ratio	0.39
Alpha Ratio	27.7
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 Aug 16	₹10,000
31 Aug 17	₹10,287
31 Aug 18	₹15,588
31 Aug 19	₹15,401
31 Aug 20	₹18,448
31 Aug 21	₹38,991

ICICI Prudential Technology 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 ICICI Prudential Technology Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Sep 21

Duration	Returns
1 Month	10.1%
3 Month	28.9%
6 Month	52.2%
1 Year	111.6%
3 Year	38.8%
5 Year	33.6%
10 Year
15 Year
Since launch	13.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2020	70.6%
2019	2.3%
2018	19.1%
2017	19.8%
2016	-4%
2015	3.9%
2014	26.3%
2013	62.6%
2012	17.1%
2011	-18.9%

Fund Manager information for ICICI Prudential Technology Fund

Name	Since	Tenure
Sankaran Naren	14 Jul 17	4.05 Yr.
Priyanka Khandelwal	8 Jul 20	1.07 Yr.
Vaibhav Dusad	2 May 20	1.25 Yr.

Data below for ICICI Prudential Technology Fund as on 31 Aug 21

Equity Sector Allocation

Sector	Value
Technology	76.11%
Communication Services	9.58%
Industrials	7.65%
Consumer Cyclical	1.18%
Consumer Defensive	1.04%

Asset Allocation

Asset Class	Value
Cash	4.44%
Equity	95.56%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Infosys Ltd (Technology) Equity, Since 30 Apr 08 \| INFY	20%	₹829 Cr	5,147,218 ↓ -223,000
Tech Mahindra Ltd (Technology) Equity, Since 31 Oct 16 \| 532755	9%	₹359 Cr	2,968,698 ↑ 472,591
HCL Technologies Ltd Shs Dematerialised (Technology) Equity, Since 30 Sep 20 \| HCLTECH	8%	₹324 Cr	3,165,807 ↑ 360,000
Tata Consultancy Services Ltd (Technology) Equity, Since 30 Sep 19 \| TCS	7%	₹271 Cr	854,884 ↑ 129,699
Persistent Systems Ltd (Technology) Equity, Since 31 May 20 \| PERSISTENT	5%	₹205 Cr	652,793 ↑ 154,488
Cyient Ltd (Industrials) Equity, Since 30 Jun 18 \| CYIENT	3%	₹126 Cr	1,278,458 ↑ 368,478
Cognizant Technology Solutions Corp A (Technology) Equity, Since 31 Jul 21 \| CTSH	3%	₹115 Cr	210,000 ↑ 210,000
Indian Railway Catering And Tourism Corp Ltd (Industrials) Equity, Since 31 Dec 20 \| 542830	3%	₹114 Cr	490,609 ↓ -23,000
Wipro Ltd (Technology) Equity, Since 30 Sep 19 \| 507685	3%	₹107 Cr	1,821,450
Coforge Ltd Shs Dematerialised (Technology) Equity, Since 31 Jul 20 \| 532541	2%	₹98 Cr	192,594 ↓ -53,375

2. Aditya Birla Sun Life Digital India Fund

(Erstwhile Aditya Birla Sun Life New Millennium Fund)

A multi-sector open-ended growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of 100% equity, focusing on investing in technology and technology dependent companies, hardware, peripherals and components, software, telecom, media, internet and e-commerce and other technology enabled companies. The secondary objective is income generation and distribution of dividend.

Aditya Birla Sun Life Digital India Fund is a Equity - Sectoral fund was launched on 15 Jan 00. It is a fund with High risk and has given a CAGR/Annualized return of 12.9% since its launch. Ranked 33 in Sectoral category. Return for 2020 was 59% , 2019 was 9.6% and 2018 was 15.6% .

Below is the key information for Aditya Birla Sun Life Digital India Fund

Aditya Birla Sun Life Digital India Fund Growth
Launch Date	15 Jan 00
NAV (24 Sep 21)	₹140.34 ↑ 1.17 (0.84 %)
Net Assets (Cr)	₹2,288 on 31 Aug 21
Category	Equity - Sectoral
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆
Risk	High
Expense Ratio	2.56
Sharpe Ratio	6.14
Information Ratio	0.87
Alpha Ratio	30.67
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 16	₹10,000
31 Aug 17	₹10,447
31 Aug 18	₹15,844
31 Aug 19	₹15,374
31 Aug 20	₹18,971
31 Aug 21	₹37,429

Aditya Birla Sun Life Digital India Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹673,113.
Net Profit of ₹373,113 Invest Now

Returns for Aditya Birla Sun Life Digital India Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Sep 21

Duration	Returns
1 Month	9.5%
3 Month	24.7%
6 Month	45.3%
1 Year	103.7%
3 Year	37.3%
5 Year	32.2%
10 Year
15 Year
Since launch	12.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2020	59%
2019	9.6%
2018	15.6%
2017	22.4%
2016	-3.5%
2015	11.2%
2014	21.1%
2013	50.2%
2012	3.7%
2011	-21.8%

Fund Manager information for Aditya Birla Sun Life Digital India Fund

Name	Since	Tenure
Kunal Sangoi	15 Jan 14	7.55 Yr.

Data below for Aditya Birla Sun Life Digital India Fund as on 31 Aug 21

Equity Sector Allocation

Sector	Value
Technology	70.66%
Communication Services	14.02%
Industrials	7.59%
Consumer Cyclical	0.88%

Asset Allocation

Asset Class	Value
Cash	6.85%
Equity	93.15%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Infosys Ltd (Technology) Equity, Since 30 Apr 05 \| INFY	18%	₹360 Cr	2,235,259
HCL Technologies Ltd Shs Dematerialised (Technology) Equity, Since 31 Dec 10 \| HCLTECH	10%	₹189 Cr	1,843,931 ↑ 700,000
Tata Consultancy Services Ltd (Technology) Equity, Since 30 Apr 05 \| TCS	9%	₹180 Cr	569,487 ↑ 70,000
Tech Mahindra Ltd (Technology) Equity, Since 31 May 13 \| 532755	9%	₹178 Cr	1,469,943 ↑ 50,000
Cyient Ltd (Industrials) Equity, Since 31 May 14 \| CYIENT	5%	₹89 Cr	901,179 ↑ 18,570
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Aug 19 \| BHARTIARTL	4%	₹86 Cr	1,526,670 ↑ 459,733
Persistent Systems Ltd (Technology) Equity, Since 31 Jul 13 \| PERSISTENT	4%	₹73 Cr	231,326
Just Dial Ltd (Communication Services) Equity, Since 30 Sep 19 \| 535648	3%	₹64 Cr	658,953
Firstsource Solutions Ltd (Technology) Equity, Since 31 Aug 20 \| 532809	3%	₹51 Cr	2,605,109
Wipro Ltd (Technology) Equity, Since 31 Jan 21 \| 507685	2%	₹46 Cr	789,307

3. TATA Digital India Fund

The investment objective of the scheme is to seek long term capital appreciation by investing atleast 80% of its net assets in equity/equity related instruments of the companies in Information Technology Sector in India.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.

TATA Digital India Fund is a Equity - Sectoral fund was launched on 28 Dec 15. It is a fund with High risk and has given a CAGR/Annualized return of 26.6% since its launch. Return for 2020 was 54.8% , 2019 was 7.5% and 2018 was 24.9% .

Below is the key information for TATA Digital India Fund

TATA Digital India Fund Growth
Launch Date	28 Dec 15
NAV (24 Sep 21)	₹38.7006 ↑ 0.24 (0.62 %)
Net Assets (Cr)	₹2,768 on 31 Aug 21
Category	Equity - Sectoral
AMC	Tata Asset Management Limited
Rating	Not Rated
Risk	High
Expense Ratio	1.73
Sharpe Ratio	4.67
Information Ratio	-0.16
Alpha Ratio	15.6
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-3 Months (0.25%),3 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 16	₹10,000
31 Aug 17	₹9,924
31 Aug 18	₹16,358
31 Aug 19	₹16,028
31 Aug 20	₹17,912
31 Aug 21	₹37,162

TATA Digital India Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹673,113.
Net Profit of ₹373,113 Invest Now

Returns for TATA Digital India Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Sep 21

Duration	Returns
1 Month	11.4%
3 Month	29.2%
6 Month	50.2%
1 Year	110.4%
3 Year	35.6%
5 Year	32.7%
10 Year
15 Year
Since launch	26.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2020	54.8%
2019	7.5%
2018	24.9%
2017	19.6%
2016	-6%
2015
2014
2013
2012
2011

Fund Manager information for TATA Digital India Fund

Name	Since	Tenure
Meeta Shetty	20 Apr 20	1.28 Yr.
Venkat Samala	26 Nov 20	0.68 Yr.

Data below for TATA Digital India Fund as on 31 Aug 21

Equity Sector Allocation

Sector	Value
Technology	75.73%
Communication Services	8.13%
Industrials	7.41%
Consumer Cyclical	2.39%

Asset Allocation

Asset Class	Value
Cash	6.33%
Equity	93.67%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Infosys Ltd (Technology) Equity, Since 31 Jan 16 \| INFY	17%	₹371 Cr	2,305,000 ↑ 75,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Jan 16 \| TCS	12%	₹267 Cr	843,126 ↑ 30,000
HCL Technologies Ltd Shs Dematerialised (Technology) Equity, Since 31 Jan 16 \| HCLTECH	10%	₹212 Cr	2,064,713 ↑ 740,972
Tech Mahindra Ltd (Technology) Equity, Since 30 Apr 16 \| 532755	7%	₹154 Cr	1,275,000
Persistent Systems Ltd (Technology) Equity, Since 31 Jan 16 \| PERSISTENT	4%	₹96 Cr	303,963 ↓ -71,400
Indian Railway Catering And Tourism Corp Ltd (Industrials) Equity, Since 31 Dec 20 \| 542830	4%	₹79 Cr	338,816 ↑ 135,000
Larsen & Toubro Infotech Ltd (Technology) Equity, Since 28 Feb 21 \| 540005	4%	₹77 Cr	163,331 ↑ 25,000
Cyient Ltd (Industrials) Equity, Since 28 Feb 21 \| CYIENT	3%	₹72 Cr	733,339 ↓ -50,000
L&T Technology Services Ltd (Technology) Equity, Since 31 May 18 \| LTTS	3%	₹61 Cr	163,500 ↑ 39,000
Info Edge (India) Ltd (Communication Services) Equity, Since 31 Aug 20 \| NAUKRI	3%	₹56 Cr	107,330

4. SBI Technology Opportunities Fund

(Erstwhile SBI IT Fund)

To provide the investors maximum growth opportunity through equity investments in stocks of growth oriented sectors of the economy.

SBI Technology Opportunities Fund is a Equity - Sectoral fund was launched on 9 Jan 13. It is a fund with High risk and has given a CAGR/Annualized return of 24.6% since its launch. Ranked 42 in Sectoral category. Return for 2020 was 47.3% , 2019 was 12.2% and 2018 was 17.1% .

Below is the key information for SBI Technology Opportunities Fund

SBI Technology Opportunities Fund Growth
Launch Date	9 Jan 13
NAV (24 Sep 21)	₹155.715 ↑ 1.22 (0.79 %)
Net Assets (Cr)	₹1,465 on 31 Aug 21
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆
Risk	High
Expense Ratio	2.61
Sharpe Ratio	5.65
Information Ratio	0.97
Alpha Ratio	28.8
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-15 Days (0.5%),15 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 16	₹10,000
31 Aug 17	₹9,610
31 Aug 18	₹14,184
31 Aug 19	₹14,599
31 Aug 20	₹16,382
31 Aug 21	₹32,296

SBI Technology Opportunities 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 Technology 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 24 Sep 21

Duration	Returns
1 Month	7%
3 Month	24.9%
6 Month	45.7%
1 Year	96.4%
3 Year	34%
5 Year	28.1%
10 Year
15 Year
Since launch	24.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2020	47.3%
2019	12.2%
2018	17.1%
2017	13%
2016	-3.3%
2015	2.4%
2014	29.2%
2013
2012
2011

Fund Manager information for SBI Technology Opportunities Fund

Name	Since	Tenure
Anup Upadhyay	1 Jun 11	10.18 Yr.

Data below for SBI Technology Opportunities Fund as on 31 Aug 21

Equity Sector Allocation

Sector	Value
Technology	77.33%
Communication Services	12.88%
Industrials	3.11%
Consumer Cyclical	3.04%

Asset Allocation

Asset Class	Value
Cash	3.64%
Equity	96.36%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Infosys Ltd (Technology) Equity, Since 31 Jan 03 \| INFY	25%	₹289 Cr	1,792,200 ↑ 415,500
HCL Technologies Ltd Shs Dematerialised (Technology) Equity, Since 31 Mar 06 \| HCLTECH	10%	₹109 Cr	1,067,974 ↑ 317,600
Alphabet Inc Class A (Communication Services) Equity, Since 30 Sep 18 \| GOOGL	9%	₹100 Cr	4,975 ↑ 550
Tech Mahindra Ltd (Technology) Equity, Since 31 Aug 15 \| 532755	9%	₹98 Cr	810,935 ↑ 393,000
Tata Consultancy Services Ltd (Technology) Equity, Since 30 Apr 06 \| TCS	5%	₹61 Cr	191,411
Larsen & Toubro Infotech Ltd (Technology) Equity, Since 31 May 20 \| 540005	4%	₹48 Cr	103,000
Persistent Systems Ltd (Technology) Equity, Since 31 Aug 20 \| PERSISTENT	4%	₹45 Cr	144,100
Bharti Airtel Ltd (Communication Services) Equity, Since 31 May 18 \| BHARTIARTL	3%	₹38 Cr	673,130
Cyient Ltd (Industrials) Equity, Since 30 Apr 20 \| CYIENT	3%	₹36 Cr	362,150
Zomato Ltd (Consumer Cyclical) Equity, Since 31 Jul 21 \| 543320	3%	₹35 Cr	2,620,410 ↑ 2,620,410

5. PGIM India Midcap Opportunities Fund

The primary objective of the Scheme is to achieve long-term capital appreciation by predominantly investing in equity & equity related instruments of mid cap companies. However, there is no assurance that the investment objective of the Scheme will be realized.

PGIM India Midcap Opportunities Fund is a Equity - Mid Cap fund was launched on 2 Dec 13. It is a fund with High risk and has given a CAGR/Annualized return of 20.4% since its launch. Ranked 40 in Mid Cap category. Return for 2020 was 48.4% , 2019 was 3.6% and 2018 was -16.1% .

Below is the key information for PGIM India Midcap Opportunities Fund

PGIM India Midcap Opportunities Fund Growth
Launch Date	2 Dec 13
NAV (24 Sep 21)	₹42.57 ↓ -0.26 (-0.61 %)
Net Assets (Cr)	₹2,709 on 31 Aug 21
Category	Equity - Mid Cap
AMC	Pramerica Asset Managers Private Limited
Rating	☆
Risk	High
Expense Ratio	2.53
Sharpe Ratio	4.85
Information Ratio	1.78
Alpha Ratio	24.5
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 16	₹10,000
31 Aug 17	₹11,194
31 Aug 18	₹12,035
31 Aug 19	₹9,634
31 Aug 20	₹12,725
31 Aug 21	₹24,436

PGIM India Midcap 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 PGIM India Midcap 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 24 Sep 21

Duration	Returns
1 Month	8.8%
3 Month	17.9%
6 Month	38.7%
1 Year	99.4%
3 Year	32.6%
5 Year	20%
10 Year
15 Year
Since launch	20.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2020	48.4%
2019	3.6%
2018	-16.1%
2017	37%
2016	-1.3%
2015	7.9%
2014	42.8%
2013
2012
2011

Fund Manager information for PGIM India Midcap Opportunities Fund

Name	Since	Tenure
Aniruddha Naha	1 Jun 21	0.17 Yr.
Vivek Sharma	1 Jun 21	0.17 Yr.

Data below for PGIM India Midcap Opportunities Fund as on 31 Aug 21

Equity Sector Allocation

Sector	Value
Consumer Cyclical	16.74%
Basic Materials	16.52%
Technology	15.75%
Industrials	15.58%
Financial Services	13.35%
Health Care	12.94%
Consumer Defensive	1.7%
Real Estate	1.5%
Utility	1.22%

Asset Allocation

Asset Class	Value
Cash	4.68%
Equity	95.32%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Max Healthcare Institute Ltd Ordinary Shares (Healthcare) Equity, Since 31 May 21 \| 543220	5%	₹113 Cr	3,800,000 ↑ 688,333
Coforge Ltd Shs Dematerialised (Technology) Equity, Since 30 Jun 20 \| 532541	4%	₹102 Cr	200,000
Max Financial Services Ltd (Financial Services) Equity, Since 31 Aug 19 \| 500271	4%	₹97 Cr	863,800 ↑ 263,800
Muthoot Finance Ltd (Financial Services) Equity, Since 31 May 21 \| 533398	4%	₹93 Cr	600,000 ↑ 100,000
Mphasis Ltd (Technology) Equity, Since 28 Feb 21 \| 526299	4%	₹89 Cr	341,217 ↑ 191,217
Sanofi India Ltd (Healthcare) Equity, Since 30 Apr 21 \| 500674	4%	₹85 Cr	101,700 ↑ 35,103
MindTree Ltd (Technology) Equity, Since 30 Jun 20 \| 532819	3%	₹77 Cr	270,000
Voltas Ltd Shs Dematerialised (Industrials) Equity, Since 31 Jul 19 \| VOLTAS	3%	₹74 Cr	700,000 ↑ 125,000
Jubilant Foodworks Ltd (Consumer Cyclical) Equity, Since 31 Mar 21 \| JUBLFOOD	3%	₹66 Cr	175,000 ↑ 36,300
Aarti Industries Ltd Shs Dematerialised (Basic Materials) Equity, Since 30 Nov 20 \| 524208	3%	₹65 Cr	700,000 ↓ -30,000

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.