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2021 সালের জন্য সেরা 7টি সেরা MIP (মাসিক আয়ের পরিকল্পনা) পারফরম্যান্স

Updated on August 30, 2025 , 5811 views

দ্যমাসিক আয় পরিকল্পনা একটি খোলা শেষ হয়পারস্পরিক তহবিল যে প্রধানত স্থায়ী তার সম্পদ বিনিয়োগআয় যন্ত্র সাধারণত, মাসিক আয়ের পরিকল্পনা হল ঋণ এবং ইকুইটি সম্পদের সংমিশ্রণ, যেখানে সম্পদের 65% বেশি বিনিয়োগ করা হয়নির্দিষ্ট আয় ফলন যন্ত্র যাইহোক, মাসিক আয় প্রকল্পের অবশিষ্ট সম্পদ শেয়ার এবং স্টকের মতো ইক্যুইটি-সংযুক্ত উপকরণগুলিতে বিনিয়োগ করা হয় যা প্রদান করেবাজার- লিঙ্কযুক্ত রিটার্ন। মাসিক আয় পরিকল্পনার মূল উদ্দেশ্য হল মানুষকে নিয়মিত আয় প্রদান করা। এছাড়াও, একটি MIP মিউচুয়াল ফান্ড মাসিক এবং ত্রৈমাসিক আয়ের একটি বিকল্প অফার করে, যা লোকেরা তাদের সুবিধা অনুযায়ী বেছে নিতে পারে। আপনি যদি মাসিক আয়ের পরিকল্পনায় বিনিয়োগ করতে চান, তাহলে বিভিন্ন মিউচুয়াল ফান্ড কোম্পানির দেওয়া সেরা মাসিক আয় পরিকল্পনার তালিকা বিবেচনা করার পরামর্শ দেওয়া হয়।

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2021 সালের জন্য শীর্ষ 7 মাসিক আয়ের পরিকল্পনা (MIP)

FundNAVNet Assets (Cr)2024 (%)2023 (%)2022 (%)2021 (%)2020 (%)
ICICI Prudential MIP 25 Growth ₹76.1691
↑ 0.02
₹3,23711.411.45.19.910.9
DSP Regular Savings Fund Growth ₹58.5902
↓ 0.00
₹17811123.57.89.3
Aditya Birla Sun Life Regular Savings Fund Growth ₹66.9919
↓ -0.01
₹1,52410.59.65.313.49.2
Baroda Pioneer Conservative Hybrid Fund Growth ₹30.2092
↑ 0.02
₹33
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 4 Funds showcased

CommentaryICICI Prudential MIP 25DSP Regular Savings FundAditya Birla Sun Life Regular Savings FundBaroda Pioneer Conservative Hybrid Fund
Point 1Highest AUM (₹3,237 Cr).Lower mid AUM (₹178 Cr).Upper mid AUM (₹1,524 Cr).Bottom quartile AUM (₹33 Cr).
Point 2Oldest track record among peers (21 yrs).Established history (21+ yrs).Established history (21+ yrs).Established history (21+ yrs).
Point 3Top rated.Rating: 3★ (lower mid).Rating: 5★ (upper mid).Rating: 2★ (bottom quartile).
Point 4Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderate.
Point 55Y return: 9.85% (upper mid).5Y return: 8.99% (lower mid).5Y return: 10.87% (top quartile).5Y return: 7.83% (bottom quartile).
Point 63Y return: 10.01% (top quartile).3Y return: 9.67% (upper mid).3Y return: 8.86% (bottom quartile).3Y return: 9.05% (lower mid).
Point 71Y return: 6.40% (upper mid).1Y return: 5.83% (lower mid).1Y return: 6.77% (top quartile).1Y return: 3.31% (bottom quartile).
Point 81M return: 0.46% (top quartile).1M return: -0.34% (lower mid).1M return: -0.08% (upper mid).1M return: -1.08% (bottom quartile).
Point 9Alpha: 0.00 (lower mid).Alpha: -0.12 (bottom quartile).Alpha: 0.75 (top quartile).Alpha: 0.25 (upper mid).
Point 10Sharpe: 0.25 (lower mid).Sharpe: 0.15 (bottom quartile).Sharpe: 0.38 (upper mid).Sharpe: 0.85 (top quartile).

ICICI Prudential MIP 25

  • Highest AUM (₹3,237 Cr).
  • Oldest track record among peers (21 yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 9.85% (upper mid).
  • 3Y return: 10.01% (top quartile).
  • 1Y return: 6.40% (upper mid).
  • 1M return: 0.46% (top quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 0.25 (lower mid).

DSP Regular Savings Fund

  • Lower mid AUM (₹178 Cr).
  • Established history (21+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 8.99% (lower mid).
  • 3Y return: 9.67% (upper mid).
  • 1Y return: 5.83% (lower mid).
  • 1M return: -0.34% (lower mid).
  • Alpha: -0.12 (bottom quartile).
  • Sharpe: 0.15 (bottom quartile).

Aditya Birla Sun Life Regular Savings Fund

  • Upper mid AUM (₹1,524 Cr).
  • Established history (21+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 10.87% (top quartile).
  • 3Y return: 8.86% (bottom quartile).
  • 1Y return: 6.77% (top quartile).
  • 1M return: -0.08% (upper mid).
  • Alpha: 0.75 (top quartile).
  • Sharpe: 0.38 (upper mid).

Baroda Pioneer Conservative Hybrid Fund

  • Bottom quartile AUM (₹33 Cr).
  • Established history (21+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderate.
  • 5Y return: 7.83% (bottom quartile).
  • 3Y return: 9.05% (lower mid).
  • 1Y return: 3.31% (bottom quartile).
  • 1M return: -1.08% (bottom quartile).
  • Alpha: 0.25 (upper mid).
  • Sharpe: 0.85 (top quartile).

2021 সালের পারফরম্যান্সের উপর ভিত্তি করে সেরা পারফরমিং এমআইপি ফান্ড

1. ICICI Prudential MIP 25

The Scheme seeks to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme. However, there can be no assurance that the investment objectives of the Scheme will be realized.

Research Highlights for ICICI Prudential MIP 25

  • Highest AUM (₹3,237 Cr).
  • Oldest track record among peers (21 yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 9.85% (upper mid).
  • 3Y return: 10.01% (top quartile).
  • 1Y return: 6.40% (upper mid).
  • 1M return: 0.46% (top quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 0.25 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Top sector: Financial Services.
  • Top bond sector: Corporate.
  • High-quality debt (AAA/AA ~92%).
  • Largest holding 6.99% Govt Stock 2034 (~5.2%).

Below is the key information for ICICI Prudential MIP 25

ICICI Prudential MIP 25
Growth
Launch Date 30 Mar 04
NAV (02 Sep 25) ₹76.1691 ↑ 0.02   (0.03 %)
Net Assets (Cr) ₹3,237 on 31 Jul 25
Category Hybrid - Hybrid Debt
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 1.67
Sharpe Ratio 0.25
Information Ratio 0
Alpha Ratio 0
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.

DateValue
31 Aug 20₹10,000
31 Aug 21₹11,401
31 Aug 22₹12,105
31 Aug 23₹13,100
31 Aug 24₹15,127
31 Aug 25₹16,065

ICICI Prudential MIP 25 SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859
Invest Now

Returns for ICICI Prudential MIP 25

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

DurationReturns
1 Month 0.5%
3 Month 1.5%
6 Month 6.9%
1 Year 6.4%
3 Year 10%
5 Year 9.8%
10 Year
15 Year
Since launch 9.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 11.4%
2023 11.4%
2022 5.1%
2021 9.9%
2020 10.9%
2019 9.6%
2018 5.1%
2017 12.9%
2016 10.9%
2015 6.4%
Fund Manager information for ICICI Prudential MIP 25
NameSinceTenure
Manish Banthia19 Sep 1311.96 Yr.
Akhil Kakkar22 Jan 241.61 Yr.
Roshan Chutkey2 May 223.34 Yr.
Sharmila D’mello31 Jul 223.09 Yr.

Data below for ICICI Prudential MIP 25 as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash14.99%
Equity23.49%
Debt61.23%
Other0.29%
Equity Sector Allocation
SectorValue
Financial Services6.63%
Consumer Cyclical4.16%
Health Care3%
Communication Services1.7%
Real Estate1.52%
Basic Materials1.25%
Technology1.15%
Industrials1.11%
Energy1.1%
Utility0.95%
Consumer Defensive0.93%
Debt Sector Allocation
SectorValue
Corporate46.29%
Government23.88%
Cash Equivalent6.05%
Credit Quality
RatingValue
A8.32%
AA33.13%
AAA58.55%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.99% Govt Stock 2034
Sovereign Bonds | -
5%₹169 Cr16,574,750
7.1% Govt Stock 2034
Sovereign Bonds | -
3%₹112 Cr10,775,880
National Bank For Agriculture And Rural Development
Debentures | -
3%₹102 Cr10,000
State Bank Of India
Debentures | -
3%₹100 Cr1,000
6.9% Govt Stock 2065
Sovereign Bonds | -
3%₹96 Cr10,000,000
L&T Metro Rail (Hyderabad) Limited
Debentures | -
2%₹80 Cr800
360 One Prime Limited
Debentures | -
2%₹75 Cr7,500
Yes Bank Limited
Debentures | -
2%₹65 Cr650
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Jun 19 | ICICIBANK
2%₹53 Cr372,298
Godrej Properties Limited
Debentures | -
2%₹51 Cr5,000

2. DSP Regular Savings Fund

(Erstwhile DSP BlackRock MIP Fund)

The scheme is seeking to generate an attractive return, consistent with prudent risk, from a portfolio which is substantially constituted of quality debt securities. The scheme will also seek to generate capital appreciation by investing a smaller portion of its corpus in equity and equity related securities of the 100 largest corporates by market capitalisation, listed in India.

Research Highlights for DSP Regular Savings Fund

  • Lower mid AUM (₹178 Cr).
  • Established history (21+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 8.99% (lower mid).
  • 3Y return: 9.67% (upper mid).
  • 1Y return: 5.83% (lower mid).
  • 1M return: -0.34% (lower mid).
  • Alpha: -0.12 (bottom quartile).
  • Sharpe: 0.15 (bottom quartile).
  • Information ratio: 0.49 (top quartile).
  • Top sector: Financial Services.
  • Higher exposure to Government (bond sector) vs peer median.
  • Debt-heavy allocation (~75%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 6.33% Goi 2035 (~14.2%).
  • Top-3 holdings concentration ~38.2%.

Below is the key information for DSP Regular Savings Fund

DSP Regular Savings Fund
Growth
Launch Date 11 Jun 04
NAV (02 Sep 25) ₹58.5902 ↓ 0.00   (0.00 %)
Net Assets (Cr) ₹178 on 31 Jul 25
Category Hybrid - Hybrid Debt
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk Moderately High
Expense Ratio 1.12
Sharpe Ratio 0.15
Information Ratio 0.49
Alpha Ratio -0.12
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.

DateValue
31 Aug 20₹10,000
31 Aug 21₹11,586
31 Aug 22₹11,758
31 Aug 23₹12,679
31 Aug 24₹14,630
31 Aug 25₹15,459

DSP Regular Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹376,357.
Net Profit of ₹76,357
Invest Now

Returns for DSP Regular Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

DurationReturns
1 Month -0.3%
3 Month 0%
6 Month 5.5%
1 Year 5.8%
3 Year 9.7%
5 Year 9%
10 Year
15 Year
Since launch 8.7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 11%
2023 12%
2022 3.5%
2021 7.8%
2020 9.3%
2019 6.9%
2018 -5.3%
2017 11%
2016 10.7%
2015 4.8%
Fund Manager information for DSP Regular Savings Fund
NameSinceTenure
Abhishek Singh31 May 214.26 Yr.
Shantanu Godambe1 Aug 241.08 Yr.

Data below for DSP Regular Savings Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash8.44%
Equity14.92%
Debt75.49%
Other1.16%
Equity Sector Allocation
SectorValue
Financial Services6.37%
Health Care2.17%
Consumer Cyclical2.17%
Utility0.82%
Technology0.77%
Consumer Defensive0.59%
Industrials0.57%
Energy0.56%
Basic Materials0.56%
Communication Services0.33%
Debt Sector Allocation
SectorValue
Government75.49%
Cash Equivalent8.44%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.33% Goi 2035
Sovereign Bonds | -
14%₹25 Cr2,500,000
↓ -500,000
7.81% Govt Stock 2033
Sovereign Bonds | -
12%₹21 Cr2,000,000
7.32% Govt Stock 2030
Sovereign Bonds | -
12%₹21 Cr2,000,000
Power Grid Corporation Of India Limited
Debentures | -
6%₹11 Cr100
7.1% Govt Stock 2029
Sovereign Bonds | -
6%₹11 Cr1,000,000
7.06% Govt Stock 2028
Sovereign Bonds | -
6%₹11 Cr1,000,000
7.37% Govt Stock 2028
Sovereign Bonds | -
3%₹5 Cr500,000
7.1% Govt Stock 2034
Sovereign Bonds | -
3%₹5 Cr500,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹5 Cr50
7.02% Govt Stock 2031
Sovereign Bonds | -
3%₹5 Cr500,000

3. Aditya Birla Sun Life Regular Savings Fund

(Erstwhile Aditya Birla Sun Life MIP II - Wealth 25 Plan)

An Open-ended income scheme with the objective to generate regular income so as to make monthly payment or distribution to unit holders with the secondary objective being growth of capital. Monthly Income is not assured and is subject to availability of distributable surplus.

Research Highlights for Aditya Birla Sun Life Regular Savings Fund

  • Upper mid AUM (₹1,524 Cr).
  • Established history (21+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 10.87% (top quartile).
  • 3Y return: 8.86% (bottom quartile).
  • 1Y return: 6.77% (top quartile).
  • 1M return: -0.08% (upper mid).
  • Alpha: 0.75 (top quartile).
  • Sharpe: 0.38 (upper mid).
  • Information ratio: -0.10 (lower mid).
  • Top sector: Financial Services.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~66%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Cholamandalam Investment And Finance Company Limited (~3.6%).

Below is the key information for Aditya Birla Sun Life Regular Savings Fund

Aditya Birla Sun Life Regular Savings Fund
Growth
Launch Date 22 May 04
NAV (02 Sep 25) ₹66.9919 ↓ -0.01   (-0.01 %)
Net Assets (Cr) ₹1,524 on 31 Jul 25
Category Hybrid - Hybrid Debt
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately High
Expense Ratio 1.91
Sharpe Ratio 0.38
Information Ratio -0.1
Alpha Ratio 0.75
Min Investment 1,000
Min SIP Investment 500
Exit Load 0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹12,315
31 Aug 22₹13,046
31 Aug 23₹13,992
31 Aug 24₹15,747
31 Aug 25₹16,779

Aditya Birla Sun Life Regular Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹395,578.
Net Profit of ₹95,578
Invest Now

Returns for Aditya Birla Sun Life Regular Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

DurationReturns
1 Month -0.1%
3 Month 0.9%
6 Month 6.5%
1 Year 6.8%
3 Year 8.9%
5 Year 10.9%
10 Year
15 Year
Since launch 9.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 10.5%
2023 9.6%
2022 5.3%
2021 13.4%
2020 9.2%
2019 5.8%
2018 -2.2%
2017 15.5%
2016 13.1%
2015 5.4%
Fund Manager information for Aditya Birla Sun Life Regular Savings Fund
NameSinceTenure
Mohit Sharma31 Oct 240.84 Yr.
Harshil Suvarnkar22 Mar 214.45 Yr.

Data below for Aditya Birla Sun Life Regular Savings Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash12.09%
Equity21.25%
Debt66.34%
Other0.31%
Equity Sector Allocation
SectorValue
Financial Services7.06%
Health Care2.66%
Technology2.04%
Basic Materials1.68%
Industrials1.68%
Consumer Cyclical1.65%
Real Estate1.43%
Communication Services1.1%
Consumer Defensive1.03%
Energy0.67%
Utility0.25%
Debt Sector Allocation
SectorValue
Corporate42.02%
Government26.57%
Cash Equivalent9.85%
Credit Quality
RatingValue
AA20.35%
AAA79.65%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Cholamandalam Investment And Finance Company Limited
Debentures | -
4%₹55 Cr5,500
Power Grid Corporation Of India Limited
Debentures | -
3%₹45 Cr4,500
Bajaj Housing Finance Limited
Debentures | -
2%₹31 Cr300
LIC Housing Finance Ltd
Debentures | -
2%₹31 Cr3,000
Nuvama Wealth Finance Limited
Debentures | -
2%₹30 Cr3,000
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Sep 17 | HDFCBANK
2%₹30 Cr150,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK
2%₹26 Cr185,000
Rural Electrification Corporation Limited
Debentures | -
2%₹26 Cr250
Bharti Telecom Limited
Debentures | -
2%₹26 Cr2,500
Jubilant Bevco Limited
Debentures | -
2%₹26 Cr2,500

4. Baroda Pioneer Conservative Hybrid Fund

(Erstwhile Baroda Pioneer MIP Fund)

To generate regular income through investment in debt and money market instruments and also to generate long term capital appreciation by investing a portion in equity and equity related instruments.

Research Highlights for Baroda Pioneer Conservative Hybrid Fund

  • Bottom quartile AUM (₹33 Cr).
  • Established history (21+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderate.
  • 5Y return: 7.83% (bottom quartile).
  • 3Y return: 9.05% (lower mid).
  • 1Y return: 3.31% (bottom quartile).
  • 1M return: -1.08% (bottom quartile).
  • Alpha: 0.25 (upper mid).
  • Sharpe: 0.85 (top quartile).
  • Information ratio: -0.38 (bottom quartile).

Below is the key information for Baroda Pioneer Conservative Hybrid Fund

Baroda Pioneer Conservative Hybrid Fund
Growth
Launch Date 8 Sep 04
NAV (11 Mar 22) ₹30.2092 ↑ 0.02   (0.06 %)
Net Assets (Cr) ₹33 on 31 Jan 22
Category Hybrid - Hybrid Debt
AMC Baroda Pioneer Asset Management Co. Ltd.
Rating
Risk Moderate
Expense Ratio 2.08
Sharpe Ratio 0.85
Information Ratio -0.38
Alpha Ratio 0.25
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹11,074

Baroda Pioneer Conservative Hybrid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹367,070.
Net Profit of ₹67,070
Invest Now

Returns for Baroda Pioneer Conservative Hybrid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

DurationReturns
1 Month -1.1%
3 Month -1.7%
6 Month -1.2%
1 Year 3.3%
3 Year 9.1%
5 Year 7.8%
10 Year
15 Year
Since launch 6.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for Baroda Pioneer Conservative Hybrid Fund
NameSinceTenure

Data below for Baroda Pioneer Conservative Hybrid Fund as on 31 Jan 22

Asset Allocation
Asset ClassValue
Equity Sector Allocation
SectorValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

Disclaimer:
এখানে প্রদত্ত তথ্য সঠিক কিনা তা নিশ্চিত করার জন্য সমস্ত প্রচেষ্টা করা হয়েছে। যাইহোক, তথ্যের সঠিকতা সম্পর্কে কোন গ্যারান্টি দেওয়া হয় না। কোনো বিনিয়োগ করার আগে স্কিমের তথ্য নথির সাথে যাচাই করুন।
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