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Table of Contents
- Why To Invest In A Systematic Investment Plan?
- Best SIP Plans To Invest In 2019
- How To Choose Best SIP Investment?
- SIP Calculator (SIP Return Calculator)
- How Invest In Systematic Investment Plan?
Top 10 Funds
- DSP Blackrock Us Flexible Equity Fund
- ICICI Prudential Banking And Financial Services Fund
- Invesco India Growth Opportunities Fund
- Kotak Standard Multicap Fund
- Mirae Asset India Equity Fund
- Axis Focused 25 Fund
- Aditya Birla Sun Life Banking And Financial Services Fund
- Kotak Equity Opportunities Fund
- TATA India Tax Savings Fund
- Sundaram Rural And Consumption Fund
Best Performing SIP Plans in India 2019 - 2020
Best SIP plans? How to choose them? These are some of the common questions that occur in the mind of investors when thinking of Investing in Mutual Funds through a SIP or Systematic Investment plan.
SIP investment is one of the most disciplined investing options when investing in Mutual Funds. Moreover, the minimum amount of investing in a SIP Mutual Fund is as less as INR 500. This makes investing in Top SIP plans much convenient.
Generally, some of the best SIP plans in India offer good returns when invested for a longer duration. To know how much one can earn by investing a SIP or Systematic Investment Plan, check the sip calculator (also known as SIP return calculator) section below.
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Why to Invest in a Systematic Investment Plan?
A systematic investment plan comes with multiple benefits. Its minimum investment amount INR 500 has not only gained attention most population, but also of many youngsters to begin their investment journey in mutual funds. An investor who wants to invest in a SIP can plan their major Financial goals like- child's education, marriage expenses, purchase of a house/car, etc., in a disciplined manner. One can simply start investing as per their goals (short-term, mid-term and long-term) and attain an increase in wealth over a certain period of time.
SIPs offer major benefits like rupee cost averaging and Power of Compounding. Rupee cost averaging helps an individual to average out the cost of an asset purchase. In a SIP, the purchase of units is done over a long period and these are spread out equally over monthly intervals (usually). Due to the investment being spread out over time, the investment is made into the stock market at different price points giving the investor the benefit of averaging cost, hence the term rupee cost averaging.
In the case of compound interest, unlike simple interest where you gain interest on only the principal, here 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 the mutual funds in the SIP are in instalments, they are compounded, which adds more to the initially invested sum.
Best SIP Plans to Invest In 2019
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2017 (%) DSP BlackRock US Flexible Equity Fund Growth ₹23.3421
↑ 0.04 ₹201 500 -10.5 -4.1 1.8 13.2 9.2 -1.1 ICICI Prudential Banking and Financial Services Fund Growth ₹61.34
↓ -0.31 ₹2,595 1,000 13.3 5.2 -2.3 25.7 24 -0.4 Invesco India Growth Opportunities Fund Growth ₹32.39
↓ -0.04 ₹969 500 4 -2 -2.4 15.4 16.4 -0.2 Kotak Standard Multicap Fund Growth ₹33.104
↓ -0.15 ₹21,369 500 5.3 -0.8 -2.4 16.3 19 -0.9 Mirae Asset India Equity Fund Growth ₹47.959
↓ -0.13 ₹9,697 1,000 4.6 2.2 -2.6 17.3 18.9 -0.6 Axis Focused 25 Fund Growth ₹25.74
↓ -0.06 ₹6,455 1,000 1.7 -9.9 -4.4 17.1 16.3 0.6 Aditya Birla Sun Life Banking And Financial Services Fund Growth ₹26.85
↓ -0.20 ₹1,561 1,000 8.8 -5.1 -5.6 22.3 22.7 -2.4 Kotak Equity Opportunities Fund Growth ₹112.668
↓ -0.56 ₹2,345 1,000 6.7 -0.2 -6 15.1 16.9 -5.6 Tata India Tax Savings Fund Growth ₹16.9407
↓ -0.04 ₹1,512 500 6.7 0.3 -8.2 14.7 -8.4 Sundaram Rural and Consumption Fund Growth ₹40.5851
↓ -0.17 ₹2,431 250 6.9 -0.7 -8.5 18 19.4 -7.8 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Jan 19
The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of BGF – USFEF. The Scheme may, at the discretion of the Investment Manager also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or money market/liquid schemes of DSP BlackRock Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized. It shall be noted ‘similar overseas mutual fund schemes’ shall have investment objective, investment strategy and risk profile/consideration similar to those of BGF – USFEF. DSP BlackRock US Flexible Equity Fund is a Equity - Global fund was launched on 3 Aug 12. It is a fund with High risk and has given a Below is the key information for DSP BlackRock US Flexible Equity Fund Returns up to 1 year are on ICICI Prudential Banking and Financial Services Fund is an Open-ended equity scheme that seeks to generate long-term capital appreciation to unitholders 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. ICICI Prudential Banking and Financial Services Fund is a Equity - Sectoral fund was launched on 22 Aug 08. It is a fund with High risk and has given a Below is the key information for ICICI Prudential Banking and Financial Services Fund Returns up to 1 year are on (Erstwhile Invesco India Growth Fund) The investment objective of the Scheme is to generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities. However, there can be no assurance that the objectives of the scheme will be achieved. Invesco India Growth Opportunities Fund is a Equity - Large & Mid Cap fund was launched on 9 Aug 07. It is a fund with Moderately High risk and has given a Below is the key information for Invesco India Growth Opportunities Fund Returns up to 1 year are on (Erstwhile Kotak Select Focus Fund) The investment objective of the scheme is to generate long term appreciation from the portfolio of equity and equity related sectors, generally focussed on few selected sectors. Kotak Standard Multicap Fund is a Equity - Multi Cap fund was launched on 11 Sep 09. It is a fund with Moderately High risk and has given a Below is the key information for Kotak Standard Multicap Fund Returns up to 1 year are on (Erstwhile Mirae Asset India Opportunities Fund) The investment objective of the scheme is to generate long term capital appreciation by capitalizing on potential investment opportunities through predominantly investing in equities, equity related securities. Mirae Asset India Equity Fund is a Equity - Multi Cap fund was launched on 4 Apr 08. It is a fund with Moderately High risk and has given a Below is the key information for Mirae Asset India Equity Fund Returns up to 1 year are on To generate long term capital appreciation by investing in a concentrated portfolio of equity & equity related instruments of up to 25 companies. Axis Focused 25 Fund is a Equity - Focused fund was launched on 29 Jun 12. It is a fund with Moderately High risk and has given a Below is the key information for Axis Focused 25 Fund Returns up to 1 year are on The primary 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. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes’ objectives will be achieved. Aditya Birla Sun Life Banking And Financial Services Fund is a Equity - Sectoral fund was launched on 14 Dec 13. It is a fund with High risk and has given a Below is the key information for Aditya Birla Sun Life Banking And Financial Services Fund Returns up to 1 year are on (Erstwhile Kotak Opportunities Scheme) To generate capital appreciation from a diversified portfolio of equity and equity
related securities. However, there is no assurance that the objective of the scheme will be realized. Kotak Equity Opportunities Fund is a Equity - Large & Mid Cap fund was launched on 9 Sep 04. It is a fund with Moderately High risk and has given a Below is the key information for Kotak Equity Opportunities Fund Returns up to 1 year are on To provide medium to long term capital gains along with income tax relief to its Unitholders, while at all times emphasising the importance of capital appreciation.. Tata India Tax Savings Fund is a Equity - ELSS fund was launched on 13 Oct 14. It is a fund with Moderately High risk and has given a Below is the key information for Tata India Tax Savings Fund Returns up to 1 year are on (Erstwhile Sundaram Rural India Fund) The primary investment objective of the scheme is to generate consistent long-term returns by investing predominantly in equity & equity related instruments of companies that are focusing on Rural India. Sundaram Rural and Consumption Fund is a Equity - Sectoral fund was launched on 12 May 06. It is a fund with Moderately High risk and has given a Below is the key information for Sundaram Rural and Consumption Fund Returns up to 1 year are on 1. DSP BlackRock US Flexible Equity Fund
CAGR/Annualized return of 14% since its launch. Ranked 3 in Global category. Return for 2018 was -1.1% , 2017 was 15.5% and 2016 was 9.8% . DSP BlackRock US Flexible Equity Fund
Growth Launch Date 3 Aug 12 NAV (17 Jan 19) ₹23.3421 ↑ 0.04 (0.16 %) Net Assets (Cr) ₹201 on 30 Nov 18 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆☆ Risk High Expense Ratio 2.1 Sharpe Ratio 0.51 Information Ratio -0.64 Alpha Ratio -0.76 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 13 ₹10,000 31 Dec 14 ₹11,312 31 Dec 15 ₹11,598 31 Dec 16 ₹12,736 31 Dec 17 ₹14,710 31 Dec 18 ₹14,553 Returns for DSP BlackRock US Flexible Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jan 19 Duration Returns 1 Month 0.9% 3 Month -10.5% 6 Month -4.1% 1 Year 1.8% 3 Year 13.2% 5 Year 9.2% 10 Year 15 Year Since launch 14% Historical performance (Yearly) on absolute basis
Year Returns 2017 -1.1% 2016 15.5% 2015 9.8% 2014 2.5% 2013 13.1% 2012 46.7% 2011 2010 2009 2008 Fund Manager information for DSP BlackRock US Flexible Equity Fund
Name Since Tenure Kedar Karnik 17 Jul 16 2.29 Yr. Laukik Bagwe 3 Aug 12 6.25 Yr. Jay Kothari 1 Mar 13 5.67 Yr. Data below for DSP BlackRock US Flexible Equity Fund as on 30 Nov 18
Equity Sector Allocation
Sector Value Technology 26.04% Health Care 17.97% Financial Services 14.27% Consumer Cyclical 10.34% Consumer Defensive 6.24% Energy 6.18% Industrials 5.02% Communication Services 3.8% Basic Materials 2.93% Utility 2.85% Asset Allocation
Asset Class Value Cash 6.37% Equity 95.63% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF US Flexible Equity I2 USD
Investment Fund | -96% ₹179 Cr 1,251,731
↑ 24,613 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -6% ₹11 Cr Net Receivables/Payables
Receivables | -2% -₹4 Cr 2. ICICI Prudential Banking and Financial Services Fund
CAGR/Annualized return of 19% since its launch. Return for 2018 was -0.4% , 2017 was 45.1% and 2016 was 21.1% . ICICI Prudential Banking and Financial Services Fund
Growth Launch Date 22 Aug 08 NAV (18 Jan 19) ₹61.34 ↓ -0.31 (-0.50 %) Net Assets (Cr) ₹2,595 on 30 Nov 18 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆☆ Risk High Expense Ratio 2.52 Sharpe Ratio -0.19 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 13 ₹10,000 31 Dec 14 ₹16,896 31 Dec 15 ₹15,676 31 Dec 16 ₹18,977 31 Dec 17 ₹27,527 31 Dec 18 ₹27,410 Returns for ICICI Prudential Banking and Financial Services Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jan 19 Duration Returns 1 Month 2.5% 3 Month 13.3% 6 Month 5.2% 1 Year -2.3% 3 Year 25.7% 5 Year 24% 10 Year 15 Year Since launch 19% Historical performance (Yearly) on absolute basis
Year Returns 2017 -0.4% 2016 45.1% 2015 21.1% 2014 -7.2% 2013 69% 2012 -2.6% 2011 72.2% 2010 -31.6% 2009 32.8% 2008 77.6% Fund Manager information for ICICI Prudential Banking and Financial Services Fund
Name Since Tenure Roshan Chutkey 29 Jan 18 0.76 Yr. Data below for ICICI Prudential Banking and Financial Services Fund as on 30 Nov 18
Equity Sector Allocation
Sector Value Financial Services 92.4% Asset Allocation
Asset Class Value Cash 9.22% Equity 90.78% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 08 | ICICIBANK14% ₹366 Cr 10,167,356
↑ 65,754 State Bank of India (Financial Services)
Equity, Since 31 Oct 08 | SBIN8% ₹228 Cr 7,704,116 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 08 | HDFCBANK8% ₹226 Cr 1,065,261
↑ 26,671 Treps
CBLO/Reverse Repo | -5% ₹146 Cr Bajaj Finserv Ltd (Financial Services)
Equity, Since 30 Jun 13 | 5329785% ₹135 Cr 208,773 Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 31 May 16 | HDFC5% ₹131 Cr 665,920 Bank of Baroda (Financial Services)
Equity, Since 31 May 17 | 5321344% ₹119 Cr 10,032,337
↑ 340,661 Muthoot Finance Ltd (Financial Services)
Equity, Since 30 Apr 14 | 5333984% ₹97 Cr 1,877,339 Mahindra & Mahindra Financial Services Ltd (Financial Services)
Equity, Since 30 Jun 18 | M&MFIN3% ₹92 Cr 1,949,638 Net Current Assets
Net Current Assets | -3% ₹86 Cr 3. Invesco India Growth Opportunities Fund
CAGR/Annualized return of 10.8% since its launch. Ranked 6 in Large & Mid Cap category. Return for 2018 was -0.2% , 2017 was 39.6% and 2016 was 3.3% . Invesco India Growth Opportunities Fund
Growth Launch Date 9 Aug 07 NAV (18 Jan 19) ₹32.39 ↓ -0.04 (-0.12 %) Net Assets (Cr) ₹969 on 30 Nov 18 Category Equity - Large & Mid Cap AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.8 Sharpe Ratio 0.02 Information Ratio 0 Alpha Ratio 0 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 Dec 13 ₹10,000 31 Dec 14 ₹14,375 31 Dec 15 ₹14,925 31 Dec 16 ₹15,422 31 Dec 17 ₹21,532 31 Dec 18 ₹21,480 Returns for Invesco India Growth Opportunities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jan 19 Duration Returns 1 Month -0.9% 3 Month 4% 6 Month -2% 1 Year -2.4% 3 Year 15.4% 5 Year 16.4% 10 Year 15 Year Since launch 10.8% Historical performance (Yearly) on absolute basis
Year Returns 2017 -0.2% 2016 39.6% 2015 3.3% 2014 3.8% 2013 43.7% 2012 11.5% 2011 26.5% 2010 -21.8% 2009 22.3% 2008 62.2% Fund Manager information for Invesco India Growth Opportunities Fund
Name Since Tenure Amit Ganatra 23 Jun 14 4.44 Yr. Taher Badshah 10 Jan 17 1.89 Yr. Data below for Invesco India Growth Opportunities Fund as on 30 Nov 18
Equity Sector Allocation
Sector Value Financial Services 29.53% Consumer Cyclical 18.14% Health Care 10.05% Industrials 8.63% Energy 8.33% Technology 7.42% Basic Materials 5.91% Consumer Defensive 4.89% Utility 2.58% Asset Allocation
Asset Class Value Cash 4.54% Equity 95.46% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 09 | HDFCBANK8% ₹79 Cr 372,365
↑ 24,355 Triparty Repo
CBLO/Reverse Repo | -7% ₹71 Cr Reliance Industries Ltd (Energy)
Equity, Since 31 Mar 17 | RELIANCE6% ₹57 Cr 508,593
↑ 1,678 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 15 | ICICIBANK5% ₹47 Cr 1,318,359
↑ 154,066 IndusInd Bank Ltd (Financial Services)
Equity, Since 30 Sep 15 | INDUSINDBK4% ₹36 Cr 226,180
↑ 15,946 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Mar 17 | LT3% ₹32 Cr 225,835
↑ 50,749 Tata Consultancy Services Ltd (Technology)
Equity, Since 28 Feb 13 | TCS3% ₹32 Cr 171,492 Bajaj Finance Ltd (Financial Services)
Equity, Since 30 Jun 18 | 5000343% ₹32 Cr 121,673 United Breweries Ltd (Consumer Defensive)
Equity, Since 31 Jan 15 | 5324783% ₹30 Cr 216,714 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 28 Feb 17 | KOTAKBANK3% ₹30 Cr 235,965 4. Kotak Standard Multicap Fund
CAGR/Annualized return of 13.7% since its launch. Ranked 3 in Multi Cap category. Return for 2018 was -0.9% , 2017 was 34.3% and 2016 was 9.4% . Kotak Standard Multicap Fund
Growth Launch Date 11 Sep 09 NAV (18 Jan 19) ₹33.104 ↓ -0.15 (-0.46 %) Net Assets (Cr) ₹21,369 on 30 Nov 18 Category Equity - Multi Cap AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.05 Sharpe Ratio -0.09 Information Ratio 0.61 Alpha Ratio -1.33 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 Dec 13 ₹10,000 31 Dec 14 ₹15,787 31 Dec 15 ₹16,254 31 Dec 16 ₹17,788 31 Dec 17 ₹23,891 31 Dec 18 ₹23,681 Returns for Kotak Standard Multicap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jan 19 Duration Returns 1 Month -0.9% 3 Month 5.3% 6 Month -0.8% 1 Year -2.4% 3 Year 16.3% 5 Year 19% 10 Year 15 Year Since launch 13.7% Historical performance (Yearly) on absolute basis
Year Returns 2017 -0.9% 2016 34.3% 2015 9.4% 2014 3% 2013 57.9% 2012 6.1% 2011 33.5% 2010 -22.3% 2009 20% 2008 Fund Manager information for Kotak Standard Multicap Fund
Name Since Tenure Harsha Upadhyaya 4 Aug 12 6.24 Yr. Data below for Kotak Standard Multicap Fund as on 30 Nov 18
Equity Sector Allocation
Sector Value Financial Services 35.29% Industrials 9.92% Energy 9.49% Consumer Cyclical 8.58% Basic Materials 7.69% Technology 7.35% Consumer Defensive 5.26% Utility 4.69% Health Care 2.88% Asset Allocation
Asset Class Value Cash 6.91% Equity 92.45% Other 0.63% Top Securities Holdings / Portfolio
Name Holding Value Quantity Triparty Repo
CBLO/Reverse Repo | -8% ₹1,656 Cr HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK7% ₹1,552 Cr 7,315,000 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Sep 10 | ICICIBANK6% ₹1,388 Cr 38,550,000
↑ 550,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Jan 16 | RELIANCE6% ₹1,346 Cr 12,000,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Sep 13 | LT5% ₹1,150 Cr 8,000,000
↑ 100,000 Infosys Ltd (Technology)
Equity, Since 30 Nov 10 | INFY4% ₹905 Cr 13,730,562 Axis Bank Ltd (Financial Services)
Equity, Since 31 May 12 | 5322154% ₹826 Cr 13,325,000
↑ 325,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 May 18 | TCS3% ₹653 Cr 3,450,000 State Bank of India (Financial Services)
Equity, Since 31 Jan 12 | SBIN3% ₹607 Cr 20,500,000 RBL Bank Ltd (Financial Services)
Equity, Since 31 Dec 16 | RBLBANK3% ₹578 Cr 10,035,000 5. Mirae Asset India Equity Fund
CAGR/Annualized return of 15.6% since its launch. Ranked 19 in Multi Cap category. Return for 2018 was -0.6% , 2017 was 38.6% and 2016 was 8.1% . Mirae Asset India Equity Fund
Growth Launch Date 4 Apr 08 NAV (18 Jan 19) ₹47.959 ↓ -0.13 (-0.28 %) Net Assets (Cr) ₹9,697 on 30 Nov 18 Category Equity - Multi Cap AMC Mirae Asset Global Inv (India) Pvt. Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.17 Sharpe Ratio 0.04 Information Ratio 0.81 Alpha Ratio -0.75 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 13 ₹10,000 31 Dec 14 ₹15,286 31 Dec 15 ₹15,936 31 Dec 16 ₹17,225 31 Dec 17 ₹23,871 31 Dec 18 ₹23,719 Returns for Mirae Asset India Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jan 19 Duration Returns 1 Month -0.9% 3 Month 4.6% 6 Month 2.2% 1 Year -2.6% 3 Year 17.3% 5 Year 18.9% 10 Year 15 Year Since launch 15.6% Historical performance (Yearly) on absolute basis
Year Returns 2017 -0.6% 2016 38.6% 2015 8.1% 2014 4.3% 2013 52.9% 2012 8.9% 2011 33.3% 2010 -19.6% 2009 23.1% 2008 109.3% Fund Manager information for Mirae Asset India Equity Fund
Name Since Tenure Neelesh Surana 10 Mar 08 10.65 Yr. Harshad Borawake 1 May 17 1.5 Yr. Data below for Mirae Asset India Equity Fund as on 30 Nov 18
Equity Sector Allocation
Sector Value Financial Services 33.4% Consumer Cyclical 10.98% Basic Materials 9.86% Technology 9.53% Energy 9.26% Consumer Defensive 7.54% Industrials 7.42% Health Care 6.64% Utility 1.35% Communication Services 0.53% Asset Allocation
Asset Class Value Cash 3.13% Equity 96.5% Other 0.36% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 28 Feb 09 | HDFCBANK9% ₹915 Cr 4,311,034
↑ 376,176 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 08 | RELIANCE6% ₹574 Cr 5,122,882
↑ 280,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK5% ₹491 Cr 13,619,349 Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 14 | 5322155% ₹470 Cr 7,575,272
↑ 930,385 Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 12 | LT4% ₹368 Cr 2,561,756 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 May 09 | TCS4% ₹355 Cr 1,876,792 State Bank of India (Financial Services)
Equity, Since 31 Jul 08 | SBIN4% ₹354 Cr 11,967,764 ITC Ltd (Consumer Defensive)
Equity, Since 29 Feb 12 | ITC3% ₹312 Cr 11,077,874
↑ 776,180 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jul 15 | KOTAKBANK3% ₹300 Cr 2,385,150
↓ -365,000 Infosys Ltd (Technology)
Equity, Since 31 May 08 | INFY3% ₹294 Cr 4,465,015 6. Axis Focused 25 Fund
CAGR/Annualized return of 15.5% since its launch. Ranked 7 in Focused category. Return for 2018 was 0.6% , 2017 was 45.2% and 2016 was 4.6% . Axis Focused 25 Fund
Growth Launch Date 29 Jun 12 NAV (18 Jan 19) ₹25.74 ↓ -0.06 (-0.23 %) Net Assets (Cr) ₹6,455 on 30 Nov 18 Category Equity - Focused AMC Axis Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.73 Sharpe Ratio 0.14 Information Ratio 0.6 Alpha Ratio -1.97 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 13 ₹10,000 31 Dec 14 ₹13,875 31 Dec 15 ₹14,417 31 Dec 16 ₹15,074 31 Dec 17 ₹21,880 31 Dec 18 ₹22,020 Returns for Axis Focused 25 Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jan 19 Duration Returns 1 Month -4.4% 3 Month 1.7% 6 Month -9.9% 1 Year -4.4% 3 Year 17.1% 5 Year 16.3% 10 Year 15 Year Since launch 15.5% Historical performance (Yearly) on absolute basis
Year Returns 2017 0.6% 2016 45.2% 2015 4.6% 2014 3.9% 2013 38.8% 2012 5.8% 2011 2010 2009 2008 Fund Manager information for Axis Focused 25 Fund
Name Since Tenure Jinesh Gopani 7 Jun 16 2.4 Yr. Data below for Axis Focused 25 Fund as on 30 Nov 18
Equity Sector Allocation
Sector Value Financial Services 41.62% Consumer Cyclical 26.65% Technology 11.77% Basic Materials 6.48% Industrials 3.8% Health Care 0.21% Asset Allocation
Asset Class Value Cash 9.88% Equity 90.53% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 12 | HDFCBANK9% ₹580 Cr 2,732,069 Clearing Corporation Of India Ltd
CBLO | -9% ₹579 Cr Bajaj Finance Ltd (Financial Services)
Equity, Since 30 Sep 16 | 5000348% ₹562 Cr 2,123,135
↑ 300,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 28 Feb 18 | TCS7% ₹499 Cr 2,635,007
↑ 290,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jul 13 | KOTAKBANK7% ₹463 Cr 3,686,855
↓ -2,489 Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 31 May 18 | HDFC7% ₹444 Cr 2,257,956
↑ 100,000 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Jul 16 | MARUTI6% ₹426 Cr 570,470
↓ -4,500 Avenue Supermarts Ltd (Consumer Cyclical)
Equity, Since 30 Apr 17 | 5403766% ₹411 Cr 2,556,636 Bajaj Finserv Ltd (Financial Services)
Equity, Since 31 Oct 16 | 5329785% ₹335 Cr 517,050
↑ 20,000 Supreme Industries Ltd (Consumer Cyclical)
Equity, Since 31 Dec 16 | 5099304% ₹296 Cr 2,522,829
↑ 521,212 7. Aditya Birla Sun Life Banking And Financial Services Fund
CAGR/Annualized return of 21.4% since its launch. Ranked 3 in Sectoral category. Return for 2018 was -2.4% , 2017 was 47.6% and 2016 was 15.7% . Aditya Birla Sun Life Banking And Financial Services Fund
Growth Launch Date 14 Dec 13 NAV (18 Jan 19) ₹26.85 ↓ -0.20 (-0.74 %) Net Assets (Cr) ₹1,561 on 30 Nov 18 Category Equity - Sectoral AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk High Expense Ratio 2.64 Sharpe Ratio -0.16 Information Ratio -0.08 Alpha Ratio -14.53 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 Dec 13 ₹10,000 31 Dec 14 ₹16,576 31 Dec 15 ₹16,486 31 Dec 16 ₹19,076 31 Dec 17 ₹28,163 31 Dec 18 ₹27,480 Returns for Aditya Birla Sun Life Banking And Financial Services Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jan 19 Duration Returns 1 Month -1.1% 3 Month 8.8% 6 Month -5.1% 1 Year -5.6% 3 Year 22.3% 5 Year 22.7% 10 Year 15 Year Since launch 21.4% Historical performance (Yearly) on absolute basis
Year Returns 2017 -2.4% 2016 47.6% 2015 15.7% 2014 -0.5% 2013 65.8% 2012 2011 2010 2009 2008 Fund Manager information for Aditya Birla Sun Life Banking And Financial Services Fund
Name Since Tenure Satyabrata Mohanty 14 Dec 13 4.88 Yr. Dhaval Gala 26 Aug 15 3.18 Yr. Data below for Aditya Birla Sun Life Banking And Financial Services Fund as on 30 Nov 18
Equity Sector Allocation
Sector Value Financial Services 92.6% Asset Allocation
Asset Class Value Cash 7.55% Equity 92.6% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 13 | HDFCBANK19% ₹301 Cr 1,421,000
↑ 51,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 13 | ICICIBANK13% ₹204 Cr 5,670,190 Bandhan Bank Ltd (Financial Services)
Equity, Since 30 Apr 18 | 5411538% ₹128 Cr 2,327,500
↑ 618,000 Clearing Corporation Of India Limited
CBLO | -7% ₹110 Cr State Bank of India (Financial Services)
Equity, Since 31 Oct 17 | SBIN7% ₹108 Cr 3,641,000
↑ 300,000 Bajaj Finance Ltd (Financial Services)
Equity, Since 30 Sep 16 | 5000346% ₹94 Cr 355,931
↓ -100,000 L&T Finance Holdings Ltd (Financial Services)
Equity, Since 31 Aug 16 | 5335195% ₹86 Cr 5,663,000 Bharat Financial Inclusion Ltd (Financial Services)
Equity, Since 31 May 14 | BHARATFIN5% ₹84 Cr 829,610
↑ 83,000 PNB Housing Finance Ltd (Financial Services)
Equity, Since 31 Oct 16 | PNBHOUSING3% ₹56 Cr 608,724 Axis Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | 5322153% ₹54 Cr 874,000
↑ 500,000 8. Kotak Equity Opportunities Fund
CAGR/Annualized return of 18.4% since its launch. Ranked 2 in Large & Mid Cap category. Return for 2018 was -5.6% , 2017 was 34.9% and 2016 was 9.6% . Kotak Equity Opportunities Fund
Growth Launch Date 9 Sep 04 NAV (18 Jan 19) ₹112.668 ↓ -0.56 (-0.49 %) Net Assets (Cr) ₹2,345 on 30 Nov 18 Category Equity - Large & Mid Cap AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.47 Sharpe Ratio -0.45 Information Ratio 0.04 Alpha Ratio -6.45 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 13 ₹10,000 31 Dec 14 ₹14,995 31 Dec 15 ₹15,485 31 Dec 16 ₹16,970 31 Dec 17 ₹22,888 31 Dec 18 ₹21,603 Returns for Kotak Equity Opportunities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jan 19 Duration Returns 1 Month -0.6% 3 Month 6.7% 6 Month -0.2% 1 Year -6% 3 Year 15.1% 5 Year 16.9% 10 Year 15 Year Since launch 18.4% Historical performance (Yearly) on absolute basis
Year Returns 2017 -5.6% 2016 34.9% 2015 9.6% 2014 3.3% 2013 49.9% 2012 4.2% 2011 30.1% 2010 -22.8% 2009 18.5% 2008 80.1% Fund Manager information for Kotak Equity Opportunities Fund
Name Since Tenure Harsha Upadhyaya 4 Aug 12 6.24 Yr. Data below for Kotak Equity Opportunities Fund as on 30 Nov 18
Equity Sector Allocation
Sector Value Financial Services 27.3% Industrials 15.72% Basic Materials 13.03% Technology 9.86% Consumer Cyclical 8.33% Energy 7.23% Utility 6.63% Health Care 4.92% Consumer Defensive 4.53% Asset Allocation
Asset Class Value Cash 1.37% Equity 97.63% Other 1.01% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 11 | HDFCBANK7% ₹159 Cr 750,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Mar 16 | RELIANCE5% ₹129 Cr 1,150,000 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Sep 10 | ICICIBANK5% ₹129 Cr 3,575,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Apr 18 | TCS5% ₹116 Cr 615,000 Infosys Ltd (Technology)
Equity, Since 31 Jan 09 | INFY4% ₹105 Cr 1,600,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Sep 13 | LT4% ₹101 Cr 700,000 Bharat Financial Inclusion Ltd (Financial Services)
Equity, Since 31 Jan 18 | BHARATFIN4% ₹94 Cr 925,000 Thermax Ltd (Industrials)
Equity, Since 31 Dec 17 | THERMAX3% ₹71 Cr 630,812 Axis Bank Ltd (Financial Services)
Equity, Since 31 Oct 12 | 5322153% ₹68 Cr 1,100,000 AIA Engineering Ltd (Industrials)
Equity, Since 31 Jul 14 | AIAENG3% ₹67 Cr 400,000 9. Tata India Tax Savings Fund
CAGR/Annualized return of 13.2% since its launch. Ranked 1 in ELSS category. Return for 2018 was -8.4% , 2017 was 46% and 2016 was 2.1% . Tata India Tax Savings Fund
Growth Launch Date 13 Oct 14 NAV (18 Jan 19) ₹16.9407 ↓ -0.04 (-0.25 %) Net Assets (Cr) ₹1,512 on 30 Nov 18 Category Equity - ELSS AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.61 Sharpe Ratio -0.42 Information Ratio -0.18 Alpha Ratio -15.19 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Dec 14 ₹10,530 31 Dec 15 ₹11,931 31 Dec 16 ₹12,187 31 Dec 17 ₹17,793 31 Dec 18 ₹16,302 Returns for Tata India Tax Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jan 19 Duration Returns 1 Month -0.1% 3 Month 6.7% 6 Month 0.3% 1 Year -8.2% 3 Year 14.7% 5 Year 10 Year 15 Year Since launch 13.2% Historical performance (Yearly) on absolute basis
Year Returns 2017 -8.4% 2016 46% 2015 2.1% 2014 13.3% 2013 2012 2011 2010 2009 2008 Fund Manager information for Tata India Tax Savings Fund
Name Since Tenure Rupesh Patel 1 Apr 15 3.59 Yr. Ennette Fernandes 18 Jun 18 0.37 Yr. Data below for Tata India Tax Savings Fund as on 30 Nov 18
Equity Sector Allocation
Sector Value Financial Services 41.2% Consumer Cyclical 15.5% Consumer Defensive 10.42% Industrials 9.22% Technology 7.36% Health Care 4.98% Energy 3.6% Basic Materials 3.42% Real Estate 0.7% Asset Allocation
Asset Class Value Cash 2.86% Equity 96.41% Debt 0.8% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 30 Nov 16 | ICICIBANK9% ₹145 Cr 4,015,000 HDFC Bank Ltd (Financial Services)
Equity, Since 28 Feb 10 | HDFCBANK8% ₹119 Cr 560,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Aug 18 | 5322155% ₹84 Cr 1,360,000
↑ 260,000 State Bank of India (Financial Services)
Equity, Since 30 Nov 18 | SBIN5% ₹84 Cr 2,830,000
↑ 790,000 Infosys Ltd (Technology)
Equity, Since 30 Sep 18 | INFY4% ₹67 Cr 1,020,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 May 15 | KOTAKBANK4% ₹62 Cr 495,000 Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 30 Jun 17 | HDFC4% ₹61 Cr 310,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Jan 18 | RELIANCE4% ₹56 Cr 500,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Jul 18 | TCS3% ₹47 Cr 250,000 Havells India Ltd (Industrials)
Equity, Since 31 Aug 17 | 5173543% ₹45 Cr 656,000 10. Sundaram Rural and Consumption Fund
CAGR/Annualized return of 11.7% since its launch. Ranked 2 in Sectoral category. Return for 2018 was -7.8% , 2017 was 38.7% and 2016 was 21.1% . Sundaram Rural and Consumption Fund
Growth Launch Date 12 May 06 NAV (18 Jan 19) ₹40.5851 ↓ -0.17 (-0.41 %) Net Assets (Cr) ₹2,431 on 30 Nov 18 Category Equity - Sectoral AMC Sundaram Asset Management Company Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.54 Sharpe Ratio -0.48 Information Ratio 0.66 Alpha Ratio -6.27 Min Investment 5,000 Min SIP Investment 250 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 13 ₹10,000 31 Dec 14 ₹14,737 31 Dec 15 ₹15,668 31 Dec 16 ₹18,978 31 Dec 17 ₹26,320 31 Dec 18 ₹24,262 Returns for Sundaram Rural and Consumption Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jan 19 Duration Returns 1 Month -0.6% 3 Month 6.9% 6 Month -0.7% 1 Year -8.5% 3 Year 18% 5 Year 19.4% 10 Year 15 Year Since launch 11.7% Historical performance (Yearly) on absolute basis
Year Returns 2017 -7.8% 2016 38.7% 2015 21.1% 2014 6.3% 2013 47.4% 2012 -0.6% 2011 34.1% 2010 -23.1% 2009 20.8% 2008 75.4% Fund Manager information for Sundaram Rural and Consumption Fund
Name Since Tenure S Krishnakumar 1 Jan 16 2.83 Yr. S. Bharath 25 Apr 18 0.52 Yr. Data below for Sundaram Rural and Consumption Fund as on 30 Nov 18
Equity Sector Allocation
Sector Value Consumer Defensive 34.57% Basic Materials 21.23% Consumer Cyclical 16.6% Financial Services 13.27% Industrials 3.79% Technology 2.37% Asset Allocation
Asset Class Value Cash 4.33% Equity 95.67% Top Securities Holdings / Portfolio
Name Holding Value Quantity Hindustan Unilever Ltd (Consumer Defensive)
Equity, Since 30 Apr 16 | 5006965% ₹127 Cr 700,000 ITC Ltd (Consumer Defensive)
Equity, Since 31 Jul 13 | ITC5% ₹124 Cr 4,388,000 Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 31 Dec 15 | M&M5% ₹121 Cr 1,509,724 Treps
CBLO/Reverse Repo | -4% ₹104 Cr UPL Ltd (Basic Materials)
Equity, Since 28 Feb 07 | UPL3% ₹76 Cr 1,000,000 State Bank of India (Financial Services)
Equity, Since 30 Nov 16 | SBIN3% ₹63 Cr 2,114,265 Britannia Industries Ltd (Consumer Defensive)
Equity, Since 31 Dec 16 | 5008253% ₹62 Cr 200,000 Asian Paints Ltd (Basic Materials)
Equity, Since 31 Jul 10 | 5008202% ₹58 Cr 425,000 Colgate-Palmolive (India) Ltd (Consumer Defensive)
Equity, Since 30 Nov 16 | 5008302% ₹56 Cr 420,000 City Union Bank Ltd (Financial Services)
Equity, Since 28 Feb 18 | CUB2% ₹54 Cr 2,750,000
How to Choose Best SIP Investment?
There are various Mutual Funds that allow you to invest through a SIP. But the main problem is selecting the best mutual funds for SIP. Though the best Mutual Funds might vary from person to person, below is a list of some points that investors might consider before choosing a best SIP Mutual Fund.
Understand Objective of the SIP Investment
When it comes to investing, each one of us has a different objective. So before investing in Mutual Funds through a SIP, it is advised to get a clear picture of your investment goals and risk profile. Generally, Equity Mutual Funds are considered to be beneficial for long-term objectives while money market and Debt fund are suitable for short-term objectives.
Know the Fund House
A large part of the SIP returns depends on the Fund House managing your money on your behalf. If the Fund House fails its objective, you will be the one losing your money. To make sure you have the best SIP plan choose a well-reputed fund house.
Monitor Fund Performance of the SIP Mutual Fund
One of the basic reasons due to which people invest in Mutual Funds through SIP is to make money. Therefore, it is important to analyse the performance of funds over a period of time to choose the best fund and then invest in the best SIP plans. Typically, for equity Mutual Funds long-term performance is looked at, while for the debt Mutual Funds short to mid-term returns are considered.
Analyse Loads and Recurring Expenses of SIP
Last but not the least, the exit load and the expense ratio incurred if the investment in redeemed before a specified period (usually called the lock-in period).
So, it is advised to choose the best SIP plans considering these parameters in mind. Think before you invest!
SIP Calculator (SIP Return Calculator)
For financial planning, SIP calculator or SIP return calculator is one of the best tools.
To monitor how your SIP grows through the power of compounding consider the below example.
| Monthly Investment | Time Period of Investment | Total Amount Invested | Final Value @ 14% p.a. |
|---|---|---|---|
| 1,000 | 5 years | 60,000 | 87,200 |
| 1,000 | 10 years | 1,20,000 | 2,62,091 |
| 1,000 | 15 years | 1,80,000 | 6,12,853 |
The above table mentions that if you invest INR 1,000 per month in a SIP Mutual Fund, your total investment in 5 years would be INR 60,000 and your SIP returns at an assumed return percentage of 14% p.a. would be INR 87,2001, respectively. Similarly, in 10 years the total investment would be INR 1,20,000 and the SIP return at the assumed percentage of 14% p.a. would be INR 2,62,091.
The same way, the investment in 15 years would be INR 1,80,000 and the final value at the return percentage of 14% p.a would be INR 6,12,853, respectively.
So, by simply investing INR 1,000 in a month, see how your money will grow in the years to come. Consider the above calculations when choosing a best SIP Mutual Fund to invest.
How Invest in Systematic Investment Plan?
Open Free Investment Account for Lifetime at Fincash.com
Complete your Registration and KYC Process
Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!
So, what are you waiting for? Get started with your SIP or Systematic Investment Plan and save better, now!
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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