A Systematic Investment plan (SIP) is considered to be the most efficient way to invest in Mutual Funds, especially for the long-term plan. It permits investors to purchase a unit on a particular date every month in order to implement a long-term savings plan. One of the reasons why investors feel comfortable towards Investing in SIP is the flexibility they offer. Investors can invest in SIP on either monthly, quarterly or weekly Basis, as per their convenience. Let’s learn more about how one can achieve their Financial goals with systematic investment plans, how sip calculator is helpful in investment, along with best mutual funds in India for SIP.
SIP is designed in a way that one can easily pre-plan their investments and invest according to their financial goals. But, one has to invest for a long-time to achieve goals via SIP. Generally, SIP is widely used for planning goals like-
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One can start investing in SIPs with an amount as minimum as INR 500 and INR 1000. Once you begin investing in SIP your money start going each day as it is exposed to the stock Market. That is why SIPs as a route is mostly preferred in Equity Funds. Moreover, historically, investment in equity stocks has given impressive returns amongst all the other asset classes, if the investment was done with discipline and with a long-term horizon.
SIP in equity helps to avoid the risk of timing the market and facilitate wealth creation by averaging the cost of investment. Let’s look at some more Benefits of SIP that helps in achieving long-term goals:
Power of Compounding- Simple interest is when you gain interest on only the principal. In the case of compound interest, the interest amount is added to the principal, and interest is calculated on the new principal (old principal plus gains). This process continues every time. Since SIP in Mutual Funds are in instalments, they are compounded, which adds more to the initially invested sum.
Risk reduction- Given that a SIP is spread over a long period of time, one catches all periods of the stock market, the ups and more importantly the downturns. In downturns, when fear catches most investors, SIP instalments continue ensuring the investors buy “low”.
Convenience of SIPs- Convenience is one of the biggest benefits of a SIP. A user has to sign-up one-time and go through documentation. Once done, thereafter debits for subsequent investments take place automatically and the investor just has to monitor the investments.
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Nippon India Large Cap Fund Growth ₹90.4332
↓ -0.16 ₹44,165 100 1.5 15.7 0.6 19 23.2 18.2 ICICI Prudential Bluechip Fund Growth ₹109.5
↓ -0.19 ₹71,788 100 0.9 13.7 -0.5 17.9 20.9 16.9 DSP TOP 100 Equity Growth ₹463.509
↓ -1.52 ₹6,399 500 -1.5 9.9 -1.3 17.1 18.2 20.5 Invesco India Largecap Fund Growth ₹68.69
↓ -0.06 ₹1,528 100 0.9 17.1 -1.7 16.1 18.5 20 HDFC Top 100 Fund Growth ₹1,121.54
↓ -1.50 ₹38,117 300 0.3 10.3 -4.5 15.8 20.1 11.6 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 25 Research Highlights & Commentary of 5 Funds showcased
Commentary Nippon India Large Cap Fund ICICI Prudential Bluechip Fund DSP TOP 100 Equity Invesco India Largecap Fund HDFC Top 100 Fund Point 1 Upper mid AUM (₹44,165 Cr). Highest AUM (₹71,788 Cr). Bottom quartile AUM (₹6,399 Cr). Bottom quartile AUM (₹1,528 Cr). Lower mid AUM (₹38,117 Cr). Point 2 Established history (18+ yrs). Established history (17+ yrs). Established history (22+ yrs). Established history (16+ yrs). Oldest track record among peers (28 yrs). Point 3 Top rated. Rating: 4★ (upper mid). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). 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: 23.21% (top quartile). 5Y return: 20.87% (upper mid). 5Y return: 18.18% (bottom quartile). 5Y return: 18.54% (bottom quartile). 5Y return: 20.14% (lower mid). Point 6 3Y return: 19.04% (top quartile). 3Y return: 17.94% (upper mid). 3Y return: 17.13% (lower mid). 3Y return: 16.08% (bottom quartile). 3Y return: 15.79% (bottom quartile). Point 7 1Y return: 0.59% (top quartile). 1Y return: -0.48% (upper mid). 1Y return: -1.25% (lower mid). 1Y return: -1.67% (bottom quartile). 1Y return: -4.47% (bottom quartile). Point 8 Alpha: 0.61 (lower mid). Alpha: 1.58 (upper mid). Alpha: 0.42 (bottom quartile). Alpha: 2.28 (top quartile). Alpha: -2.13 (bottom quartile). Point 9 Sharpe: -0.37 (lower mid). Sharpe: -0.35 (upper mid). Sharpe: -0.38 (bottom quartile). Sharpe: -0.32 (top quartile). Sharpe: -0.64 (bottom quartile). Point 10 Information ratio: 1.84 (top quartile). Information ratio: 1.50 (upper mid). Information ratio: 0.84 (bottom quartile). Information ratio: 0.62 (bottom quartile). Information ratio: 0.96 (lower mid). Nippon India Large Cap Fund
ICICI Prudential Bluechip Fund
DSP TOP 100 Equity
Invesco India Largecap Fund
HDFC Top 100 Fund
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Motilal Oswal Multicap 35 Fund Growth ₹62.5831
↓ 0.00 ₹13,727 500 4.7 18.6 4.6 22.9 19.6 45.7 Nippon India Multi Cap Fund Growth ₹298.791
↑ 0.19 ₹45,881 100 1.2 19.1 0 22.7 28.8 25.8 HDFC Equity Fund Growth ₹1,982.84
↓ -3.29 ₹80,642 300 2 14.3 4.4 22.1 27.1 23.5 JM Multicap Fund Growth ₹96.4176
↓ -0.19 ₹5,957 500 -0.1 11.5 -10.7 21.6 24.8 33.3 ICICI Prudential Multicap Fund Growth ₹783.18
↑ 1.33 ₹15,523 100 -0.2 13.9 -3.6 19.9 23.3 20.7 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 25 Research Highlights & Commentary of 5 Funds showcased
Commentary Motilal Oswal Multicap 35 Fund Nippon India Multi Cap Fund HDFC Equity Fund JM Multicap Fund ICICI Prudential Multicap Fund Point 1 Bottom quartile AUM (₹13,727 Cr). Upper mid AUM (₹45,881 Cr). Highest AUM (₹80,642 Cr). Bottom quartile AUM (₹5,957 Cr). Lower mid AUM (₹15,523 Cr). Point 2 Established history (11+ yrs). Established history (20+ yrs). Oldest track record among peers (30 yrs). Established history (16+ yrs). Established history (30+ yrs). Point 3 Top rated. Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). 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: 19.57% (bottom quartile). 5Y return: 28.84% (top quartile). 5Y return: 27.12% (upper mid). 5Y return: 24.78% (lower mid). 5Y return: 23.26% (bottom quartile). Point 6 3Y return: 22.89% (top quartile). 3Y return: 22.65% (upper mid). 3Y return: 22.05% (lower mid). 3Y return: 21.56% (bottom quartile). 3Y return: 19.87% (bottom quartile). Point 7 1Y return: 4.60% (top quartile). 1Y return: -0.01% (lower mid). 1Y return: 4.45% (upper mid). 1Y return: -10.70% (bottom quartile). 1Y return: -3.59% (bottom quartile). Point 8 Alpha: 10.18 (top quartile). Alpha: 2.00 (lower mid). Alpha: 4.65 (upper mid). Alpha: -9.56 (bottom quartile). Alpha: -0.54 (bottom quartile). Point 9 Sharpe: 0.11 (top quartile). Sharpe: -0.27 (lower mid). Sharpe: -0.02 (upper mid). Sharpe: -1.04 (bottom quartile). Sharpe: -0.43 (bottom quartile). Point 10 Information ratio: 0.80 (bottom quartile). Information ratio: 0.95 (upper mid). Information ratio: 1.60 (top quartile). Information ratio: 0.94 (lower mid). Information ratio: 0.37 (bottom quartile). Motilal Oswal Multicap 35 Fund
Nippon India Multi Cap Fund
HDFC Equity Fund
JM Multicap Fund
ICICI Prudential Multicap Fund
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Invesco India Mid Cap Fund Growth ₹179.07
↓ -0.61 ₹7,802 500 5.4 26.8 9.3 26.9 27.6 43.1 ICICI Prudential MidCap Fund Growth ₹293.52
↑ 0.28 ₹6,654 100 1.7 21.7 0.1 21.1 25.7 27 TATA Mid Cap Growth Fund Growth ₹426.86
↑ 0.36 ₹4,984 150 2.4 18.3 -5.2 19.6 24.1 22.7 BNP Paribas Mid Cap Fund Growth ₹100.111
↑ 0.23 ₹2,183 300 0.7 15.7 -4.4 18.7 23.9 28.5 Aditya Birla Sun Life Midcap Fund Growth ₹776.85
↑ 2.40 ₹6,106 1,000 1.2 18.5 -3.2 18.1 23.8 22 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 25 Research Highlights & Commentary of 5 Funds showcased
Commentary Invesco India Mid Cap Fund ICICI Prudential MidCap Fund TATA Mid Cap Growth Fund BNP Paribas Mid Cap Fund Aditya Birla Sun Life Midcap Fund Point 1 Highest AUM (₹7,802 Cr). Upper mid AUM (₹6,654 Cr). Bottom quartile AUM (₹4,984 Cr). Bottom quartile AUM (₹2,183 Cr). Lower mid AUM (₹6,106 Cr). Point 2 Established history (18+ yrs). Established history (20+ yrs). Oldest track record among peers (31 yrs). Established history (19+ yrs). Established history (22+ yrs). Point 3 Rating: 2★ (lower mid). Rating: 2★ (bottom quartile). Rating: 2★ (bottom quartile). Top rated. Rating: 3★ (upper mid). Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: High. Risk profile: Moderately High. Point 5 5Y return: 27.63% (top quartile). 5Y return: 25.65% (upper mid). 5Y return: 24.14% (lower mid). 5Y return: 23.87% (bottom quartile). 5Y return: 23.81% (bottom quartile). Point 6 3Y return: 26.86% (top quartile). 3Y return: 21.07% (upper mid). 3Y return: 19.60% (lower mid). 3Y return: 18.73% (bottom quartile). 3Y return: 18.14% (bottom quartile). Point 7 1Y return: 9.34% (top quartile). 1Y return: 0.10% (upper mid). 1Y return: -5.24% (bottom quartile). 1Y return: -4.44% (bottom quartile). 1Y return: -3.23% (lower mid). Point 8 Alpha: 0.00 (upper mid). Alpha: 2.10 (top quartile). Alpha: -4.59 (bottom quartile). Alpha: -2.60 (bottom quartile). Alpha: -0.08 (lower mid). Point 9 Sharpe: 0.32 (top quartile). Sharpe: -0.22 (upper mid). Sharpe: -0.59 (bottom quartile). Sharpe: -0.49 (bottom quartile). Sharpe: -0.33 (lower mid). Point 10 Information ratio: 0.00 (top quartile). Information ratio: -0.41 (upper mid). Information ratio: -0.81 (lower mid). Information ratio: -0.92 (bottom quartile). Information ratio: -1.00 (bottom quartile). Invesco India Mid Cap Fund
ICICI Prudential MidCap Fund
TATA Mid Cap Growth Fund
BNP Paribas Mid Cap Fund
Aditya Birla Sun Life Midcap Fund
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) HDFC Small Cap Fund Growth ₹142.308
↑ 1.23 ₹36,353 300 5.2 25.1 0.2 23.4 30.4 20.4 Nippon India Small Cap Fund Growth ₹167.443
↑ 0.56 ₹65,922 100 0.5 20 -6.7 22.9 32.3 26.1 Franklin India Smaller Companies Fund Growth ₹168.29
↑ 0.73 ₹13,825 500 -2 17.5 -9.3 22.6 29.1 23.2 DSP Small Cap Fund Growth ₹196.978 ₹17,005 500 1.5 23.8 -1.8 20.4 27.4 25.6 Sundaram Small Cap Fund Growth ₹254.233
↑ 1.22 ₹3,394 100 0.5 21.3 -4.1 19.5 27.4 19.1 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 25 Research Highlights & Commentary of 5 Funds showcased
Commentary HDFC Small Cap Fund Nippon India Small Cap Fund Franklin India Smaller Companies Fund DSP Small Cap Fund Sundaram Small Cap Fund Point 1 Upper mid AUM (₹36,353 Cr). Highest AUM (₹65,922 Cr). Bottom quartile AUM (₹13,825 Cr). Lower mid AUM (₹17,005 Cr). Bottom quartile AUM (₹3,394 Cr). Point 2 Established history (17+ yrs). Established history (14+ yrs). Established history (19+ yrs). Established history (18+ yrs). Oldest track record among peers (20 yrs). Point 3 Top rated. Rating: 4★ (upper mid). Rating: 4★ (lower mid). Rating: 4★ (bottom quartile). Rating: 3★ (bottom quartile). 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: 30.36% (upper mid). 5Y return: 32.30% (top quartile). 5Y return: 29.14% (lower mid). 5Y return: 27.45% (bottom quartile). 5Y return: 27.38% (bottom quartile). Point 6 3Y return: 23.40% (top quartile). 3Y return: 22.91% (upper mid). 3Y return: 22.56% (lower mid). 3Y return: 20.35% (bottom quartile). 3Y return: 19.48% (bottom quartile). Point 7 1Y return: 0.16% (top quartile). 1Y return: -6.69% (bottom quartile). 1Y return: -9.33% (bottom quartile). 1Y return: -1.83% (upper mid). 1Y return: -4.07% (lower mid). Point 8 Alpha: 0.00 (upper mid). Alpha: -3.84 (bottom quartile). Alpha: -5.51 (bottom quartile). Alpha: 0.00 (lower mid). Alpha: 3.14 (top quartile). Point 9 Sharpe: -0.17 (upper mid). Sharpe: -0.51 (bottom quartile). Sharpe: -0.59 (bottom quartile). Sharpe: -0.06 (top quartile). Sharpe: -0.17 (lower mid). Point 10 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: -0.06 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: -0.51 (bottom quartile). HDFC Small Cap Fund
Nippon India Small Cap Fund
Franklin India Smaller Companies Fund
DSP Small Cap Fund
Sundaram Small Cap Fund
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Motilal Oswal Long Term Equity Fund Growth ₹50.729
↑ 0.10 ₹4,402 500 -1.9 22.8 -1.8 24.4 24.6 47.7 SBI Magnum Tax Gain Fund Growth ₹429.611
↑ 0.32 ₹30,271 500 -0.6 11.5 -4 23.3 24.4 27.7 HDFC Tax Saver Fund Growth ₹1,405.31
↓ -2.98 ₹16,579 500 1.5 14.5 1.8 21.4 24.1 21.3 IDBI Equity Advantage Fund Growth ₹43.39
↑ 0.04 ₹485 500 9.7 15.1 16.9 20.8 10 HDFC Long Term Advantage Fund Growth ₹595.168
↑ 0.28 ₹1,318 500 1.2 15.4 35.5 20.6 17.4 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 25 Research Highlights & Commentary of 5 Funds showcased
Commentary Motilal Oswal Long Term Equity Fund SBI Magnum Tax Gain Fund HDFC Tax Saver Fund IDBI Equity Advantage Fund HDFC Long Term Advantage Fund Point 1 Lower mid AUM (₹4,402 Cr). Highest AUM (₹30,271 Cr). Upper mid AUM (₹16,579 Cr). Bottom quartile AUM (₹485 Cr). Bottom quartile AUM (₹1,318 Cr). Point 2 Established history (10+ yrs). Established history (18+ yrs). Oldest track record among peers (29 yrs). Established history (11+ yrs). Established history (24+ yrs). Point 3 Not Rated. Rating: 2★ (lower mid). Rating: 2★ (bottom quartile). Top rated. Rating: 3★ (upper mid). 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: 24.60% (top quartile). 5Y return: 24.40% (upper mid). 5Y return: 24.15% (lower mid). 5Y return: 9.97% (bottom quartile). 5Y return: 17.39% (bottom quartile). Point 6 3Y return: 24.36% (top quartile). 3Y return: 23.28% (upper mid). 3Y return: 21.36% (lower mid). 3Y return: 20.84% (bottom quartile). 3Y return: 20.64% (bottom quartile). Point 7 1Y return: -1.80% (bottom quartile). 1Y return: -4.04% (bottom quartile). 1Y return: 1.77% (lower mid). 1Y return: 16.92% (upper mid). 1Y return: 35.51% (top quartile). Point 8 Alpha: 11.36 (top quartile). Alpha: -1.89 (bottom quartile). Alpha: 3.09 (upper mid). Alpha: 1.78 (lower mid). Alpha: 1.75 (bottom quartile). Point 9 Sharpe: 0.04 (lower mid). Sharpe: -0.62 (bottom quartile). Sharpe: -0.18 (bottom quartile). Sharpe: 1.21 (upper mid). Sharpe: 2.27 (top quartile). Point 10 Information ratio: 0.92 (lower mid). Information ratio: 2.16 (top quartile). Information ratio: 1.67 (upper mid). Information ratio: -1.13 (bottom quartile). Information ratio: -0.15 (bottom quartile). Motilal Oswal Long Term Equity Fund
SBI Magnum Tax Gain Fund
HDFC Tax Saver Fund
IDBI Equity Advantage Fund
HDFC Long Term Advantage Fund
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) SBI Banking & Financial Services Fund Growth ₹41.4578
↓ -0.14 ₹8,450 500 0.3 15.5 9.7 17.6 20.1 19.6 Baroda Pioneer Banking And Financial Services Fund Growth ₹46.3096
↓ -0.26 ₹297 500 -2.9 12.9 7.6 15 18.1 12.5 ICICI Prudential Banking and Financial Services Fund Growth ₹130.28
↓ -0.69 ₹9,930 100 -2.1 12.6 5.8 14.8 19.6 11.6 TATA Banking and Financial Services Fund Growth ₹41.384
↓ -0.13 ₹2,895 150 -2.7 12.8 5.6 16.5 18.8 9 UTI Banking and Financial Services Fund Growth ₹182.639
↓ -1.03 ₹1,305 500 -2.9 13 5.5 14.8 19.2 11.1 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 25 Research Highlights & Commentary of 5 Funds showcased
Commentary SBI Banking & Financial Services Fund Baroda Pioneer Banking And Financial Services Fund ICICI Prudential Banking and Financial Services Fund TATA Banking and Financial Services Fund UTI Banking and Financial Services Fund Point 1 Upper mid AUM (₹8,450 Cr). Bottom quartile AUM (₹297 Cr). Highest AUM (₹9,930 Cr). Lower mid AUM (₹2,895 Cr). Bottom quartile AUM (₹1,305 Cr). Point 2 Established history (10+ yrs). Established history (13+ yrs). Established history (17+ yrs). Established history (9+ yrs). Oldest track record among peers (21 yrs). Point 3 Not Rated. Rating: 2★ (lower mid). Top rated. Not Rated. Rating: 3★ (upper mid). Point 4 Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: High. Point 5 5Y return: 20.10% (top quartile). 5Y return: 18.08% (bottom quartile). 5Y return: 19.60% (upper mid). 5Y return: 18.83% (bottom quartile). 5Y return: 19.25% (lower mid). Point 6 3Y return: 17.57% (top quartile). 3Y return: 15.04% (lower mid). 3Y return: 14.76% (bottom quartile). 3Y return: 16.47% (upper mid). 3Y return: 14.79% (bottom quartile). Point 7 1Y return: 9.68% (top quartile). 1Y return: 7.64% (upper mid). 1Y return: 5.85% (lower mid). 1Y return: 5.58% (bottom quartile). 1Y return: 5.46% (bottom quartile). Point 8 Alpha: -2.42 (upper mid). Alpha: -2.36 (top quartile). Alpha: -3.35 (lower mid). Alpha: -4.10 (bottom quartile). Alpha: -5.63 (bottom quartile). Point 9 Sharpe: 0.48 (upper mid). Sharpe: 0.50 (top quartile). Sharpe: 0.37 (lower mid). Sharpe: 0.36 (bottom quartile). Sharpe: 0.27 (bottom quartile). Point 10 Information ratio: 0.59 (top quartile). Information ratio: 0.33 (lower mid). Information ratio: 0.18 (bottom quartile). Information ratio: 0.59 (upper mid). Information ratio: 0.23 (bottom quartile). SBI Banking & Financial Services Fund
Baroda Pioneer Banking And Financial Services Fund
ICICI Prudential Banking and Financial Services Fund
TATA Banking and Financial Services Fund
UTI Banking and Financial Services Fund
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) ICICI Prudential Focused Equity Fund Growth ₹91.7
↓ -0.02 ₹12,380 100 2 19.1 2.5 22.1 23.9 26.5 HDFC Focused 30 Fund Growth ₹230.306
↓ -0.43 ₹21,456 300 2.2 14.1 5.6 22 27.1 24 Sundaram Select Focus Fund Growth ₹264.968
↓ -1.18 ₹1,354 100 -5 8.5 24.5 17 17.3 DSP Focus Fund Growth ₹53.189
↑ 0.02 ₹2,595 500 -1.5 11.6 -4.1 16.4 17.9 18.5 Franklin India Focused Equity Fund Growth ₹107.381
↓ -0.08 ₹12,421 500 2 13.2 -2.8 16.2 22.9 19.9 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 25 Research Highlights & Commentary of 5 Funds showcased
Commentary ICICI Prudential Focused Equity Fund HDFC Focused 30 Fund Sundaram Select Focus Fund DSP Focus Fund Franklin India Focused Equity Fund Point 1 Lower mid AUM (₹12,380 Cr). Highest AUM (₹21,456 Cr). Bottom quartile AUM (₹1,354 Cr). Bottom quartile AUM (₹2,595 Cr). Upper mid AUM (₹12,421 Cr). Point 2 Established history (16+ yrs). Established history (20+ yrs). Oldest track record among peers (23 yrs). Established history (15+ yrs). Established history (18+ yrs). Point 3 Rating: 2★ (bottom quartile). Top rated. Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 23.87% (upper mid). 5Y return: 27.11% (top quartile). 5Y return: 17.29% (bottom quartile). 5Y return: 17.86% (bottom quartile). 5Y return: 22.86% (lower mid). Point 6 3Y return: 22.10% (top quartile). 3Y return: 22.03% (upper mid). 3Y return: 17.03% (lower mid). 3Y return: 16.43% (bottom quartile). 3Y return: 16.20% (bottom quartile). Point 7 1Y return: 2.53% (lower mid). 1Y return: 5.60% (upper mid). 1Y return: 24.49% (top quartile). 1Y return: -4.05% (bottom quartile). 1Y return: -2.77% (bottom quartile). Point 8 Alpha: 5.93 (top quartile). Alpha: 4.74 (upper mid). Alpha: -5.62 (bottom quartile). Alpha: 2.09 (lower mid). Alpha: -0.18 (bottom quartile). Point 9 Sharpe: -0.08 (lower mid). Sharpe: 0.01 (upper mid). Sharpe: 1.85 (top quartile). Sharpe: -0.28 (bottom quartile). Sharpe: -0.43 (bottom quartile). Point 10 Information ratio: 1.48 (top quartile). Information ratio: 1.44 (upper mid). Information ratio: -0.52 (bottom quartile). Information ratio: 0.26 (lower mid). Information ratio: 0.15 (bottom quartile). ICICI Prudential Focused Equity Fund
HDFC Focused 30 Fund
Sundaram Select Focus Fund
DSP Focus Fund
Franklin India Focused Equity Fund
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) JM Value Fund Growth ₹95.7697
↑ 0.24 ₹1,062 500 -2 13.8 -13.1 23.5 25.1 25.1 ICICI Prudential Value Discovery Fund Growth ₹467.17
↑ 2.99 ₹53,716 100 0.9 13.2 0.1 21.5 25.8 20 Nippon India Value Fund Growth ₹221.51
↑ 0.32 ₹8,768 100 -0.3 12.8 -3.9 21 24.8 22.3 HDFC Capital Builder Value Fund Growth ₹727.854
↑ 0.51 ₹7,348 300 0.4 15.6 -2.7 18.8 21.9 20.7 Aditya Birla Sun Life Pure Value Fund Growth ₹119.767
↑ 0.09 ₹6,099 1,000 -2.9 13 -10.7 18.4 21.3 18.5 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 25 Research Highlights & Commentary of 5 Funds showcased
Commentary JM Value Fund ICICI Prudential Value Discovery Fund Nippon India Value Fund HDFC Capital Builder Value Fund Aditya Birla Sun Life Pure Value Fund Point 1 Bottom quartile AUM (₹1,062 Cr). Highest AUM (₹53,716 Cr). Upper mid AUM (₹8,768 Cr). Lower mid AUM (₹7,348 Cr). Bottom quartile AUM (₹6,099 Cr). Point 2 Established history (28+ yrs). Established history (21+ yrs). Established history (20+ yrs). Oldest track record among peers (31 yrs). Established history (17+ yrs). Point 3 Top rated. Rating: 2★ (bottom quartile). Not Rated. Rating: 3★ (upper mid). Rating: 3★ (lower mid). Point 4 Risk profile: High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 25.10% (upper mid). 5Y return: 25.76% (top quartile). 5Y return: 24.85% (lower mid). 5Y return: 21.90% (bottom quartile). 5Y return: 21.32% (bottom quartile). Point 6 3Y return: 23.50% (top quartile). 3Y return: 21.53% (upper mid). 3Y return: 20.96% (lower mid). 3Y return: 18.78% (bottom quartile). 3Y return: 18.40% (bottom quartile). Point 7 1Y return: -13.11% (bottom quartile). 1Y return: 0.10% (top quartile). 1Y return: -3.92% (lower mid). 1Y return: -2.70% (upper mid). 1Y return: -10.65% (bottom quartile). Point 8 Alpha: -8.41 (bottom quartile). Alpha: 1.35 (upper mid). Alpha: -0.35 (lower mid). Alpha: 1.74 (top quartile). Alpha: -3.62 (bottom quartile). Point 9 Sharpe: -0.92 (bottom quartile). Sharpe: -0.31 (top quartile). Sharpe: -0.46 (lower mid). Sharpe: -0.32 (upper mid). Sharpe: -0.62 (bottom quartile). Point 10 Information ratio: 1.11 (lower mid). Information ratio: 1.04 (bottom quartile). Information ratio: 1.73 (top quartile). Information ratio: 1.34 (upper mid). Information ratio: 0.59 (bottom quartile). JM Value Fund
ICICI Prudential Value Discovery Fund
Nippon India Value Fund
HDFC Capital Builder Value Fund
Aditya Birla Sun Life Pure Value Fund
SIP calculator is one of the efficient tools an investor can use while investing in mutual funds. Whether one wants to invest to buy a car/house, plan for retirement, a child's higher education or any other asset, the SIP calculator can be used for the same. It helps to calculate the amount of investment and time period that is required for investing to reach the particular financial goal. So, common questions like "how much to invest in a SIP or how till that time should I invest", resolves using this calculator.
When using a SIP calculator, one has to fill certain variables, that include (illustration is given below)-
Once you feed all the above-mentioned information, the calculator will end up giving you the amount you will receive (your SIP returns) after the number of years mentioned. Your net profit will be highlighted as well so that you can estimate your goal fulfilment accordingly.
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