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

Updated on August 10, 2025 , 5792 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)

Fund	NAV	Net Assets (Cr)	2024 (%)	2023 (%)	2022 (%)	2021 (%)	2020 (%)
ICICI Prudential MIP 25 Growth	₹75.9088 ↑ 0.08	₹3,220	11.4	11.4	5.1	9.9	10.9
DSP Regular Savings Fund Growth	₹58.5901 ↓ -0.05	₹174	11	12	3.5	7.8	9.3
Aditya Birla Sun Life Regular Savings Fund Growth	₹66.8659 ↓ -0.08	₹1,450	10.5	9.6	5.3	13.4	9.2
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 12 Aug 25

Research Highlights & Commentary of 4 Funds showcased

Commentary	ICICI Prudential MIP 25	DSP Regular Savings Fund	Aditya Birla Sun Life Regular Savings Fund	Baroda Pioneer Conservative Hybrid Fund
Point 1	Highest AUM (₹3,220 Cr).	Lower mid AUM (₹174 Cr).	Upper mid AUM (₹1,450 Cr).	Bottom quartile AUM (₹33 Cr).
Point 2	Oldest track record among peers (21 yrs).	Established history (21+ yrs).	Established history (21+ yrs).	Established history (20+ yrs).
Point 3	Top rated.	Rating: 3★ (lower mid).	Rating: 5★ (upper mid).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.
Point 5	5Y return: 9.98% (upper mid).	5Y return: 9.10% (lower mid).	5Y return: 11.04% (top quartile).	5Y return: 7.83% (bottom quartile).
Point 6	3Y return: 10.13% (top quartile).	3Y return: 9.80% (upper mid).	3Y return: 8.86% (bottom quartile).	3Y return: 9.05% (lower mid).
Point 7	1Y return: 7.20% (upper mid).	1Y return: 6.68% (lower mid).	1Y return: 7.74% (top quartile).	1Y return: 3.31% (bottom quartile).
Point 8	1M return: 0.09% (top quartile).	1M return: -0.55% (lower mid).	1M return: -0.30% (upper mid).	1M return: -1.08% (bottom quartile).
Point 9	Alpha: 0.00 (bottom quartile).	Alpha: 0.64 (upper mid).	Alpha: 0.78 (top quartile).	Alpha: 0.25 (lower mid).
Point 10	Sharpe: 0.63 (bottom quartile).	Sharpe: 0.68 (lower mid).	Sharpe: 0.71 (upper mid).	Sharpe: 0.85 (top quartile).

ICICI Prudential MIP 25

Highest AUM (₹3,220 Cr).
Oldest track record among peers (21 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 9.98% (upper mid).
3Y return: 10.13% (top quartile).
1Y return: 7.20% (upper mid).
1M return: 0.09% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.63 (bottom quartile).

DSP Regular Savings Fund

Lower mid AUM (₹174 Cr).
Established history (21+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 9.10% (lower mid).
3Y return: 9.80% (upper mid).
1Y return: 6.68% (lower mid).
1M return: -0.55% (lower mid).
Alpha: 0.64 (upper mid).
Sharpe: 0.68 (lower mid).

Aditya Birla Sun Life Regular Savings Fund

Upper mid AUM (₹1,450 Cr).
Established history (21+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 11.04% (top quartile).
3Y return: 8.86% (bottom quartile).
1Y return: 7.74% (top quartile).
1M return: -0.30% (upper mid).
Alpha: 0.78 (top quartile).
Sharpe: 0.71 (upper mid).

Baroda Pioneer Conservative Hybrid Fund

Bottom quartile AUM (₹33 Cr).
Established history (20+ 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 (lower 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 (₹3,220 Cr).
Oldest track record among peers (21 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 9.98% (upper mid).
3Y return: 10.13% (top quartile).
1Y return: 7.20% (upper mid).
1M return: 0.09% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.63 (bottom quartile).
Information ratio: 0.00 (lower 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 (12 Aug 25)	₹75.9088 ↑ 0.08 (0.10 %)
Net Assets (Cr)	₹3,220 on 30 Jun 25
Category	Hybrid - Hybrid Debt
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.74
Sharpe Ratio	0.63
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.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹11,287
31 Jul 22	₹12,051
31 Jul 23	₹13,232
31 Jul 24	₹15,157
31 Jul 25	₹16,286

ICICI Prudential MIP 25 SIP 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 12 Aug 25

Duration	Returns
1 Month	0.1%
3 Month	3%
6 Month	5.6%
1 Year	7.2%
3 Year	10.1%
5 Year	10%
10 Year
15 Year
Since launch	9.9%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Manish Banthia	19 Sep 13	11.87 Yr.
Akhil Kakkar	22 Jan 24	1.52 Yr.
Roshan Chutkey	2 May 22	3.25 Yr.
Sharmila D’mello	31 Jul 22	3 Yr.

Data below for ICICI Prudential MIP 25 as on 30 Jun 25

Asset Allocation

Asset Class	Value
Cash	14.25%
Equity	23.9%
Debt	61.56%
Other	0.29%

Equity Sector Allocation

Sector	Value
Financial Services	6.76%
Consumer Cyclical	3.79%
Health Care	3.44%
Real Estate	1.84%
Communication Services	1.73%
Basic Materials	1.49%
Industrials	1.16%
Consumer Defensive	1.14%
Technology	1.03%
Utility	0.95%
Energy	0.56%

Debt Sector Allocation

Sector	Value
Corporate	46.45%
Government	24.03%
Cash Equivalent	5.33%

Credit Quality

Rating	Value
A	8.39%
AA	35.63%
AAA	55.98%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.99% Govt Stock 2034 Sovereign Bonds \| -	5%	₹170 Cr	16,574,750
7.1% Govt Stock 2034 Sovereign Bonds \| -	3%	₹113 Cr	10,775,880
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹102 Cr	10,000
State Bank Of India Debentures \| -	3%	₹100 Cr	1,000
6.9% Govt Stock 2065 Sovereign Bonds \| -	3%	₹98 Cr	10,000,000 ↑ 10,000,000
L&T Metro Rail (Hyderabad) Limited Debentures \| -	2%	₹80 Cr	800
360 One Prime Limited Debentures \| -	2%	₹76 Cr	7,500
Yes Bank Limited Debentures \| -	2%	₹65 Cr	650
ICICI Bank Ltd (Financial Services) Equity, Since 30 Jun 19 \| ICICIBANK	2%	₹53 Cr	372,298
Godrej Properties Limited Debentures \| -	2%	₹51 Cr	5,000

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 (₹174 Cr).
Established history (21+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 9.10% (lower mid).
3Y return: 9.80% (upper mid).
1Y return: 6.68% (lower mid).
1M return: -0.55% (lower mid).
Alpha: 0.64 (upper mid).
Sharpe: 0.68 (lower mid).
Information ratio: 0.51 (top quartile).
Top sector: Financial Services.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~76%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.79% Govt Stock 2034 (~14.7%).
Top-3 holdings concentration ~38.6%.

Below is the key information for DSP Regular Savings Fund

DSP Regular Savings Fund Growth
Launch Date	11 Jun 04
NAV (12 Aug 25)	₹58.5901 ↓ -0.05 (-0.09 %)
Net Assets (Cr)	₹174 on 30 Jun 25
Category	Hybrid - Hybrid Debt
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.14
Sharpe Ratio	0.68
Information Ratio	0.51
Alpha Ratio	0.64
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 Jul 20	₹10,000
31 Jul 21	₹11,424
31 Jul 22	₹11,640
31 Jul 23	₹12,719
31 Jul 24	₹14,567
31 Jul 25	₹15,605

DSP Regular Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859 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 12 Aug 25

Duration	Returns
1 Month	-0.5%
3 Month	1.2%
6 Month	5.2%
1 Year	6.7%
3 Year	9.8%
5 Year	9.1%
10 Year
15 Year
Since launch	8.7%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Abhishek Singh	31 May 21	4.17 Yr.
Shantanu Godambe	1 Aug 24	1 Yr.

Data below for DSP Regular Savings Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value
Cash	8.55%
Equity	14.51%
Debt	75.79%
Other	1.15%

Equity Sector Allocation

Sector	Value
Financial Services	6.29%
Consumer Cyclical	2.2%
Health Care	2.09%
Utility	0.84%
Industrials	0.64%
Basic Materials	0.62%
Energy	0.61%
Consumer Defensive	0.61%
Technology	0.45%
Communication Services	0.17%

Debt Sector Allocation

Sector	Value
Government	75.79%
Cash Equivalent	8.55%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	15%	₹26 Cr	2,500,000
7.32% Govt Stock 2030 Sovereign Bonds \| -	12%	₹21 Cr	2,000,000
7.81% Govt Stock 2033 Sovereign Bonds \| -	12%	₹21 Cr	2,000,000 ↑ 1,500,000
7.1% Govt Stock 2029 Sovereign Bonds \| -	6%	₹11 Cr	1,000,000
Power Grid Corporation Of India Limited Debentures \| -	6%	₹11 Cr	100
7.06% Govt Stock 2028 Sovereign Bonds \| -	6%	₹10 Cr	1,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	3%	₹5 Cr	500,000
7.37% Govt Stock 2028 Sovereign Bonds \| -	3%	₹5 Cr	500,000
7.02% Govt Stock 2031 Sovereign Bonds \| -	3%	₹5 Cr	500,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹5 Cr	50

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 (₹1,450 Cr).
Established history (21+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 11.04% (top quartile).
3Y return: 8.86% (bottom quartile).
1Y return: 7.74% (top quartile).
1M return: -0.30% (upper mid).
Alpha: 0.78 (top quartile).
Sharpe: 0.71 (upper mid).
Information ratio: 0.10 (upper mid).
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~70%).
High-quality debt (AAA/AA ~100%).
Largest holding Cholamandalam Investment And Finance Company Limited (~3.8%).

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 (12 Aug 25)	₹66.8659 ↓ -0.08 (-0.12 %)
Net Assets (Cr)	₹1,450 on 15 Jul 25
Category	Hybrid - Hybrid Debt
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.89
Sharpe Ratio	0.71
Information Ratio	0.1
Alpha Ratio	0.78
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.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹12,266
31 Jul 22	₹13,083
31 Jul 23	₹14,152
31 Jul 24	₹15,830
31 Jul 25	₹17,094

Aditya Birla Sun Life Regular Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518 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 12 Aug 25

Duration	Returns
1 Month	-0.3%
3 Month	2.5%
6 Month	5.9%
1 Year	7.7%
3 Year	8.9%
5 Year	11%
10 Year
15 Year
Since launch	9.4%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Mohit Sharma	31 Oct 24	0.75 Yr.
Harshil Suvarnkar	22 Mar 21	4.36 Yr.

Data below for Aditya Birla Sun Life Regular Savings Fund as on 15 Jul 25

Asset Allocation

Asset Class	Value
Cash	6.44%
Equity	23.64%
Debt	69.59%
Other	0.33%

Equity Sector Allocation

Sector	Value
Financial Services	7.66%
Health Care	2.7%
Industrials	2.37%
Technology	2.35%
Basic Materials	1.8%
Consumer Cyclical	1.73%
Real Estate	1.7%
Communication Services	1.2%
Consumer Defensive	1.1%
Energy	0.77%
Utility	0.26%

Debt Sector Allocation

Sector	Value
Corporate	43.51%
Government	28.44%
Cash Equivalent	4.08%

Credit Quality

Rating	Value
AA	19.6%
AAA	80.4%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Cholamandalam Investment And Finance Company Limited Debentures \| -	4%	₹56 Cr	5,500
Bajaj Housing Finance Limited Debentures \| -	2%	₹31 Cr	300
LIC Housing Finance Ltd Debentures \| -	2%	₹31 Cr	3,000
Nuvama Wealth Finance Limited Debentures \| -	2%	₹30 Cr	3,000
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 17 \| HDFCBANK	2%	₹30 Cr	150,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	2%	₹26 Cr	185,000
Rural Electrification Corporation Limited Debentures \| -	2%	₹26 Cr	250
Indian Railway Finance Corporation Limited Debentures \| -	2%	₹26 Cr	2,500
Bharti Telecom Limited Debentures \| -	2%	₹26 Cr	2,500
Jubilant Bevco Limited Debentures \| -	2%	₹26 Cr	2,500

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 (20+ 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 (lower 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.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹10,850

Baroda Pioneer Conservative Hybrid Fund SIP 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 12 Aug 25

Duration	Returns
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

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for Baroda Pioneer Conservative Hybrid Fund

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Equity Sector Allocation

Sector	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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।