10, 20 বছরের বিনিয়োগ 2022-এর জন্য 10টি সেরা SIP প্ল্যান৷

Updated on January 26, 2026 , 233090 views

সেরা SIP পরিকল্পনা? কিভাবে তাদের নির্বাচন করতে? এগুলি এমন কিছু সাধারণ প্রশ্ন যা চিন্তা করার সময় বিনিয়োগকারীদের মনে আসেমিউচুয়াল ফান্ডে বিনিয়োগ একটি মাধ্যমেচুমুক বা পদ্ধতিগতবিনিয়োগ পরিকল্পনা.এসআইপি বিনিয়োগ সবচেয়ে সুশৃঙ্খল একবিনিয়োগ বিনিয়োগ করার সময় বিকল্পযৌথ পুঁজি.

তদুপরি, একটি SIP মিউচুয়াল ফান্ডে বিনিয়োগের সর্বনিম্ন পরিমাণ INR 500-এর মতো কম। এটি বিনিয়োগ করেশীর্ষ SIP অনেক সুবিধাজনক পরিকল্পনা.

কেন আপনার এসআইপি বা সিস্টেমেটিক ইনভেস্টমেন্ট প্ল্যানে বিনিয়োগ করা উচিত?

কিছুবিনিয়োগের সুবিধা একটি এসআইপিতে রয়েছে:

যৌগিক শক্তি

সিস্টেমেটিক ইনভেস্টমেন্ট প্ল্যানও এর সুবিধা দেয়যৌগিক শক্তি. সহজ সুদ হল যখন আপনি শুধুমাত্র মূলের উপর সুদ পান। চক্রবৃদ্ধি সুদের ক্ষেত্রে, সুদের পরিমাণ মূলে যোগ করা হয়, এবং সুদের নতুন মূল (পুরাতন মূল এবং লাভ) এর উপর গণনা করা হয়। এই প্রক্রিয়া প্রতিবার চলতে থাকে। যেহেতু এসআইপি-তে মিউচুয়াল ফান্ডগুলি কিস্তিতে থাকে, সেগুলি চক্রবৃদ্ধি করা হয়, যা প্রাথমিকভাবে বিনিয়োগকৃত রাশিতে আরও যোগ করে।

রুপি খরচ গড়

একটি পদ্ধতিগত বিনিয়োগ পরিকল্পনার সবচেয়ে বড় সুবিধা হল রুপি কস্ট অ্যাভারেজিং যা একজন ব্যক্তিকে সম্পদ ক্রয়ের খরচ গড়তে সাহায্য করে। একটি মিউচুয়াল ফান্ডে একমুঠো বিনিয়োগ করার সময় একটি নির্দিষ্ট সংখ্যক ইউনিট ক্রয় করেবিনিয়োগকারী একযোগে, একটি SIP-এর ক্ষেত্রে ইউনিট ক্রয় দীর্ঘ সময়ের জন্য করা হয় এবং এগুলি মাসিক ব্যবধানে (সাধারণত) সমানভাবে ছড়িয়ে দেওয়া হয়। সময়ের সাথে সাথে বিনিয়োগ ছড়িয়ে পড়ার কারণে, বিনিয়োগটি স্টকে তৈরি হয়বাজার বিভিন্ন মূল্য পয়েন্টে বিনিয়োগকারীকে গড় খরচের সুবিধা দেয়, তাই রুপি খরচ গড় শব্দটি।

সামর্থ্য

জনসাধারণের জন্য সঞ্চয় শুরু করার জন্য SIP একটি অত্যন্ত সাশ্রয়ী বিকল্প কারণ প্রতিটি কিস্তির জন্য প্রয়োজনীয় ন্যূনতম পরিমাণ (তাও মাসিক!) INR 500-এর মতো হতে পারে। কিছু মিউচুয়াল ফান্ড কোম্পানি এমনকি একটি নামক কিছু অফার করে।মাইক্রোএসআইপি যেখানে টিকিটের আকার INR 100 এর মতো কম।

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ঝুঁকি হ্রাস

প্রদত্ত যে একটি সুশৃঙ্খল বিনিয়োগ পরিকল্পনা দীর্ঘ সময়ের মধ্যে বিস্তৃত থাকে, কেউ শেয়ার বাজারের সমস্ত সময়কাল, উত্থান এবং আরও গুরুত্বপূর্ণভাবে মন্দাকে ধরে রাখে। মন্দার সময়ে, যখন ভয় বেশির ভাগ বিনিয়োগকারীদের ধরে ফেলে, তখন SIP কিস্তি বিনিয়োগকারীদের কেনা নিশ্চিত করেকম.

22 - 23 অর্থবছরে 10, 20 বছরের বিনিয়োগের জন্য সেরা SIP পরিকল্পনা৷

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
DSP World Gold Fund Growth	₹69.1145 ↑ 2.99	₹1,756	500	67.6	125.4	214.5	57.3	30.6	167.1
SBI PSU Fund Growth	₹35.1392 ↑ 0.27	₹5,817	500	4.8	10.9	23.5	31.7	30.4	11.3
ICICI Prudential Infrastructure Fund Growth	₹191.34 ↑ 1.20	₹8,134	100	-5.6	-1.6	8.8	24.6	29.7	6.7
Invesco India PSU Equity Fund Growth	₹69.03 ↑ 0.47	₹1,449	500	4.7	9.7	25.5	32.3	28.5	10.3
IDBI Gold Fund Growth	₹45.9857 ↑ 3.83	₹623	500	47.5	79	115.1	44.1	27.9	79
HDFC Infrastructure Fund Growth	₹46.418 ↑ 0.33	₹2,452	300	-5.3	-2.8	7.5	26	27.1	2.2
Axis Gold Fund Growth	₹51.6534 ↑ 3.88	₹2,167	1,000	41.8	66	100	40.4	25.9	69.8
Franklin Build India Fund Growth	₹141.553 ↑ 1.48	₹3,036	500	-4.1	0.2	10.3	26.5	25.9	3.7
SBI Gold Fund Growth	₹51.6546 ↑ 3.77	₹10,775	500	40.7	65.7	100.8	40.5	25.9	71.5
Motilal Oswal Midcap 30 Fund Growth	₹92.6137 ↑ 0.11	₹36,880	500	-11.4	-8.4	-1.2	23.1	25.9	-12.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jan 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	DSP World Gold Fund	SBI PSU Fund	ICICI Prudential Infrastructure Fund	Invesco India PSU Equity Fund	IDBI Gold Fund	HDFC Infrastructure Fund	Axis Gold Fund	Franklin Build India Fund	SBI Gold Fund	Motilal Oswal Midcap 30 Fund
Point 1	Bottom quartile AUM (₹1,756 Cr).	Upper mid AUM (₹5,817 Cr).	Upper mid AUM (₹8,134 Cr).	Bottom quartile AUM (₹1,449 Cr).	Bottom quartile AUM (₹623 Cr).	Lower mid AUM (₹2,452 Cr).	Lower mid AUM (₹2,167 Cr).	Upper mid AUM (₹3,036 Cr).	Top quartile AUM (₹10,775 Cr).	Highest AUM (₹36,880 Cr).
Point 2	Established history (18+ yrs).	Established history (15+ yrs).	Oldest track record among peers (20 yrs).	Established history (16+ yrs).	Established history (13+ yrs).	Established history (17+ yrs).	Established history (14+ yrs).	Established history (16+ yrs).	Established history (14+ yrs).	Established history (11+ yrs).
Point 3	Rating: 3★ (top quartile).	Rating: 2★ (lower mid).	Rating: 3★ (upper mid).	Rating: 3★ (upper mid).	Not Rated.	Rating: 3★ (upper mid).	Rating: 1★ (bottom quartile).	Top rated.	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 30.57% (top quartile).	5Y return: 30.38% (top quartile).	5Y return: 29.72% (upper mid).	5Y return: 28.54% (upper mid).	5Y return: 27.87% (upper mid).	5Y return: 27.12% (lower mid).	5Y return: 25.94% (lower mid).	5Y return: 25.91% (bottom quartile).	5Y return: 25.89% (bottom quartile).	5Y return: 25.89% (bottom quartile).
Point 6	3Y return: 57.31% (top quartile).	3Y return: 31.73% (lower mid).	3Y return: 24.58% (bottom quartile).	3Y return: 32.30% (upper mid).	3Y return: 44.12% (top quartile).	3Y return: 26.02% (bottom quartile).	3Y return: 40.42% (upper mid).	3Y return: 26.54% (lower mid).	3Y return: 40.54% (upper mid).	3Y return: 23.09% (bottom quartile).
Point 7	1Y return: 214.46% (top quartile).	1Y return: 23.52% (lower mid).	1Y return: 8.84% (bottom quartile).	1Y return: 25.50% (upper mid).	1Y return: 115.14% (top quartile).	1Y return: 7.49% (bottom quartile).	1Y return: 100.03% (upper mid).	1Y return: 10.26% (lower mid).	1Y return: 100.84% (upper mid).	1Y return: -1.23% (bottom quartile).
Point 8	Alpha: 1.32 (top quartile).	Alpha: -0.22 (bottom quartile).	Alpha: 0.00 (top quartile).	Alpha: -1.90 (bottom quartile).	1M return: 28.98% (top quartile).	Alpha: 0.00 (upper mid).	1M return: 19.43% (upper mid).	Alpha: 0.00 (lower mid).	1M return: 19.08% (upper mid).	Alpha: -18.12 (bottom quartile).
Point 9	Sharpe: 3.42 (upper mid).	Sharpe: 0.33 (upper mid).	Sharpe: 0.12 (lower mid).	Sharpe: 0.27 (lower mid).	Alpha: 0.00 (upper mid).	Sharpe: -0.12 (bottom quartile).	Alpha: 0.00 (upper mid).	Sharpe: -0.05 (bottom quartile).	Alpha: 0.00 (lower mid).	Sharpe: -0.79 (bottom quartile).
Point 10	Information ratio: -0.67 (bottom quartile).	Information ratio: -0.47 (bottom quartile).	Information ratio: 0.00 (top quartile).	Information ratio: -0.37 (bottom quartile).	Sharpe: 4.30 (upper mid).	Information ratio: 0.00 (upper mid).	Sharpe: 4.36 (top quartile).	Information ratio: 0.00 (lower mid).	Sharpe: 4.38 (top quartile).	Information ratio: 0.10 (top quartile).

DSP World Gold Fund

Bottom quartile AUM (₹1,756 Cr).
Established history (18+ yrs).
Rating: 3★ (top quartile).
Risk profile: High.
5Y return: 30.57% (top quartile).
3Y return: 57.31% (top quartile).
1Y return: 214.46% (top quartile).
Alpha: 1.32 (top quartile).
Sharpe: 3.42 (upper mid).
Information ratio: -0.67 (bottom quartile).

SBI PSU Fund

Upper mid AUM (₹5,817 Cr).
Established history (15+ yrs).
Rating: 2★ (lower mid).
Risk profile: High.
5Y return: 30.38% (top quartile).
3Y return: 31.73% (lower mid).
1Y return: 23.52% (lower mid).
Alpha: -0.22 (bottom quartile).
Sharpe: 0.33 (upper mid).
Information ratio: -0.47 (bottom quartile).

ICICI Prudential Infrastructure Fund

Upper mid AUM (₹8,134 Cr).
Oldest track record among peers (20 yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 29.72% (upper mid).
3Y return: 24.58% (bottom quartile).
1Y return: 8.84% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.12 (lower mid).
Information ratio: 0.00 (top quartile).

Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,449 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 28.54% (upper mid).
3Y return: 32.30% (upper mid).
1Y return: 25.50% (upper mid).
Alpha: -1.90 (bottom quartile).
Sharpe: 0.27 (lower mid).
Information ratio: -0.37 (bottom quartile).

IDBI Gold Fund

Bottom quartile AUM (₹623 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 27.87% (upper mid).
3Y return: 44.12% (top quartile).
1Y return: 115.14% (top quartile).
1M return: 28.98% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 4.30 (upper mid).

HDFC Infrastructure Fund

Lower mid AUM (₹2,452 Cr).
Established history (17+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 27.12% (lower mid).
3Y return: 26.02% (bottom quartile).
1Y return: 7.49% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.12 (bottom quartile).
Information ratio: 0.00 (upper mid).

Axis Gold Fund

Lower mid AUM (₹2,167 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 25.94% (lower mid).
3Y return: 40.42% (upper mid).
1Y return: 100.03% (upper mid).
1M return: 19.43% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 4.36 (top quartile).

Franklin Build India Fund

Upper mid AUM (₹3,036 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: High.
5Y return: 25.91% (bottom quartile).
3Y return: 26.54% (lower mid).
1Y return: 10.26% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.05 (bottom quartile).
Information ratio: 0.00 (lower mid).

SBI Gold Fund

Top quartile AUM (₹10,775 Cr).
Established history (14+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 25.89% (bottom quartile).
3Y return: 40.54% (upper mid).
1Y return: 100.84% (upper mid).
1M return: 19.08% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 4.38 (top quartile).

Motilal Oswal Midcap 30 Fund

Highest AUM (₹36,880 Cr).
Established history (11+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 25.89% (bottom quartile).
3Y return: 23.09% (bottom quartile).
1Y return: -1.23% (bottom quartile).
Alpha: -18.12 (bottom quartile).
Sharpe: -0.79 (bottom quartile).
Information ratio: 0.10 (top quartile).

* নীচের তহবিল সেরা বিবেচনা করা হয়সিএজিআর 5 বছরের বেশি সময় ধরে রিটার্ন এবং তহবিলের কমপক্ষে 5 বছরের বাজার ইতিহাস (ফান্ড বয়স) এবং ন্যূনতম থাকা500 কোটি ব্যবস্থাপনা অধীনে সম্পদ.

1. DSP World Gold Fund

"The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. 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 units of money market/liquid schemes of DSP Merrill Lynch 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."

Research Highlights for DSP World Gold Fund

Bottom quartile AUM (₹1,756 Cr).
Established history (18+ yrs).
Rating: 3★ (top quartile).
Risk profile: High.
5Y return: 30.57% (top quartile).
3Y return: 57.31% (top quartile).
1Y return: 214.46% (top quartile).
Alpha: 1.32 (top quartile).
Sharpe: 3.42 (upper mid).
Information ratio: -0.67 (bottom quartile).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding BGF World Gold I2 (~73.7%).
Top-3 holdings concentration ~100.4%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (28 Jan 26)	₹69.1145 ↑ 2.99 (4.52 %)
Net Assets (Cr)	₹1,756 on 31 Dec 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	3.42
Information Ratio	-0.67
Alpha Ratio	1.32
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 20	₹10,000
31 Dec 21	₹9,101
31 Dec 22	₹8,405
31 Dec 23	₹8,991
31 Dec 24	₹10,424
31 Dec 25	₹27,842

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹642,208.
Net Profit of ₹342,208 Invest Now

Returns for DSP World Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26

Duration	Returns
1 Month	26.3%
3 Month	67.6%
6 Month	125.4%
1 Year	214.5%
3 Year	57.3%
5 Year	30.6%
10 Year
15 Year
Since launch	11.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	167.1%
2023	15.9%
2022	7%
2021	-7.7%
2020	-9%
2019	31.4%
2018	35.1%
2017	-10.7%
2016	-4%
2015	52.7%

Fund Manager information for DSP World Gold Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	12.85 Yr.

Data below for DSP World Gold Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Basic Materials	94.95%

Asset Allocation

Asset Class	Value
Cash	2.43%
Equity	94.95%
Debt	0.01%
Other	2.6%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	74%	₹1,294 Cr	1,219,254 ↓ -59,731
VanEck Gold Miners ETF - \| GDX	25%	₹442 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	2%	₹28 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹8 Cr

2. SBI PSU Fund

The objective of the scheme would be to provide investors with opportunities for long-term growth in capital along with the liquidity of an open-ended scheme through an active management of investments in a diversified basket of equity stocks of domestic Public Sector Undertakings and in debt and money market instruments issued by PSUs AND others.

Research Highlights for SBI PSU Fund

Upper mid AUM (₹5,817 Cr).
Established history (15+ yrs).
Rating: 2★ (lower mid).
Risk profile: High.
5Y return: 30.38% (top quartile).
3Y return: 31.73% (lower mid).
1Y return: 23.52% (lower mid).
Alpha: -0.22 (bottom quartile).
Sharpe: 0.33 (upper mid).
Information ratio: -0.47 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~16.8%).

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (29 Jan 26)	₹35.1392 ↑ 0.27 (0.78 %)
Net Assets (Cr)	₹5,817 on 31 Dec 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0.33
Information Ratio	-0.47
Alpha Ratio	-0.22
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 20	₹10,000
31 Dec 21	₹13,241
31 Dec 22	₹17,083
31 Dec 23	₹26,314
31 Dec 24	₹32,485
31 Dec 25	₹36,147

SBI PSU Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹642,208.
Net Profit of ₹342,208 Invest Now

Returns for SBI PSU Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26

Duration	Returns
1 Month	4.6%
3 Month	4.8%
6 Month	10.9%
1 Year	23.5%
3 Year	31.7%
5 Year	30.4%
10 Year
15 Year
Since launch	8.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	11.3%
2023	23.5%
2022	54%
2021	29%
2020	32.4%
2019	-10%
2018	6%
2017	-23.8%
2016	21.9%
2015	16.2%

Fund Manager information for SBI PSU Fund

Name	Since	Tenure
Rohit Shimpi	1 Jun 24	1.59 Yr.

Data below for SBI PSU Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	35.24%
Utility	29.32%
Energy	13.87%
Industrials	12%
Basic Materials	6.69%

Asset Allocation

Asset Class	Value
Cash	2.8%
Equity	97.11%
Debt	0.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	17%	₹975 Cr	9,927,500
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	9%	₹518 Cr	12,975,000
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| 532555	9%	₹509 Cr	15,443,244 ↑ 900,000
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| 532155	9%	₹502 Cr	29,150,000 ↑ 3,400,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| 532898	8%	₹467 Cr	17,635,554 ↑ 1,100,000
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| 500547	6%	₹372 Cr	9,700,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| 532134	6%	₹325 Cr	11,000,000
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| 526371	4%	₹232 Cr	27,900,000
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| 532814	3%	₹203 Cr	2,427,235
Oil India Ltd (Energy) Equity, Since 31 Mar 24 \| OIL	3%	₹163 Cr	3,850,000

3. ICICI Prudential Infrastructure Fund

To generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure development and balance in debt securities and money market instruments.

Research Highlights for ICICI Prudential Infrastructure Fund

Upper mid AUM (₹8,134 Cr).
Oldest track record among peers (20 yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 29.72% (upper mid).
3Y return: 24.58% (bottom quartile).
1Y return: 8.84% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.12 (lower mid).
Information ratio: 0.00 (top quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding Larsen & Toubro Ltd (~8.8%).

Below is the key information for ICICI Prudential Infrastructure Fund

ICICI Prudential Infrastructure Fund Growth
Launch Date	31 Aug 05
NAV (29 Jan 26)	₹191.34 ↑ 1.20 (0.63 %)
Net Assets (Cr)	₹8,134 on 31 Dec 25
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0.12
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 Dec 20	₹10,000
31 Dec 21	₹15,007
31 Dec 22	₹19,333
31 Dec 23	₹27,952
31 Dec 24	₹35,602
31 Dec 25	₹38,004

ICICI Prudential Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹627,226.
Net Profit of ₹327,226 Invest Now

Returns for ICICI Prudential Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26

Duration	Returns
1 Month	-1.9%
3 Month	-5.6%
6 Month	-1.6%
1 Year	8.8%
3 Year	24.6%
5 Year	29.7%
10 Year
15 Year
Since launch	15.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.7%
2023	27.4%
2022	44.6%
2021	28.8%
2020	50.1%
2019	3.6%
2018	2.6%
2017	-14%
2016	40.8%
2015	2%

Fund Manager information for ICICI Prudential Infrastructure Fund

Name	Since	Tenure
Ihab Dalwai	3 Jun 17	8.59 Yr.
Sharmila D’mello	30 Jun 22	3.51 Yr.

Data below for ICICI Prudential Infrastructure Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	46.72%
Financial Services	13.08%
Basic Materials	11.19%
Utility	10.14%
Energy	8.12%
Real Estate	4.42%
Consumer Cyclical	1.99%
Communication Services	0.86%

Asset Allocation

Asset Class	Value
Cash	3.15%
Equity	96.85%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 09 \| LT	9%	₹717 Cr	1,755,704
InterGlobe Aviation Ltd (Industrials) Equity, Since 28 Feb 23 \| INDIGO	7%	₹565 Cr	1,116,358 ↑ 891,940
NTPC Ltd (Utilities) Equity, Since 29 Feb 16 \| 532555	4%	₹342 Cr	10,376,448 ↓ -600,000
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 May 24 \| ADANIPORTS	3%	₹250 Cr	1,700,000 ↓ -154,934
AIA Engineering Ltd (Industrials) Equity, Since 28 Feb 21 \| AIAENG	3%	₹246 Cr	612,120 ↓ -57,631
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 23 \| RELIANCE	3%	₹240 Cr	1,529,725
Kalpataru Projects International Ltd (Industrials) Equity, Since 30 Sep 06 \| KPIL	3%	₹230 Cr	1,911,120 ↑ 107,554
Axis Bank Ltd (Financial Services) Equity, Since 31 Dec 20 \| 532215	3%	₹214 Cr	1,683,557
IndusInd Bank Ltd (Financial Services) Equity, Since 31 Oct 24 \| INDUSINDBK	3%	₹209 Cr	2,424,016
NCC Ltd (Industrials) Equity, Since 31 Aug 21 \| NCC	3%	₹209 Cr	13,053,905

4. Invesco India PSU Equity Fund

To generate capital appreciation by investing in Equity and Equity Related Instruments of companies where the Central / State Government(s) has majority shareholding or management control or has powers to appoint majority of directors. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns.

Research Highlights for Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,449 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 28.54% (upper mid).
3Y return: 32.30% (upper mid).
1Y return: 25.50% (upper mid).
Alpha: -1.90 (bottom quartile).
Sharpe: 0.27 (lower mid).
Information ratio: -0.37 (bottom quartile).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding State Bank of India (~9.4%).

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund Growth
Launch Date	18 Nov 09
NAV (29 Jan 26)	₹69.03 ↑ 0.47 (0.69 %)
Net Assets (Cr)	₹1,449 on 31 Dec 25
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.14
Sharpe Ratio	0.27
Information Ratio	-0.37
Alpha Ratio	-1.9
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 20	₹10,000
31 Dec 21	₹13,105
31 Dec 22	₹15,797
31 Dec 23	₹24,402
31 Dec 24	₹30,659
31 Dec 25	₹33,810

Invesco India PSU Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹612,552.
Net Profit of ₹312,552 Invest Now

Returns for Invesco India PSU Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26

Duration	Returns
1 Month	5.1%
3 Month	4.7%
6 Month	9.7%
1 Year	25.5%
3 Year	32.3%
5 Year	28.5%
10 Year
15 Year
Since launch	12.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	10.3%
2023	25.6%
2022	54.5%
2021	20.5%
2020	31.1%
2019	6.1%
2018	10.1%
2017	-16.9%
2016	24.3%
2015	17.9%

Fund Manager information for Invesco India PSU Equity Fund

Name	Since	Tenure
Hiten Jain	1 Jul 25	0.5 Yr.
Sagar Gandhi	1 Jul 25	0.5 Yr.

Data below for Invesco India PSU Equity Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	31.01%
Financial Services	29.88%
Utility	19.12%
Energy	13.49%
Basic Materials	3.52%
Consumer Cyclical	1.22%

Asset Allocation

Asset Class	Value
Cash	1.76%
Equity	98.24%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	9%	₹136 Cr	1,387,617 ↓ -38,697
Bharat Electronics Ltd (Industrials) Equity, Since 31 Mar 17 \| BEL	8%	₹120 Cr	2,997,692
Bharat Petroleum Corp Ltd (Energy) Equity, Since 30 Sep 18 \| 500547	7%	₹104 Cr	2,717,009 ↓ -184,556
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| 532814	7%	₹97 Cr	1,157,444 ↑ 76,826
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	6%	₹86 Cr	9,129,820 ↑ 339,034
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| HAL	6%	₹86 Cr	196,158
Bank of Baroda (Financial Services) Equity, Since 30 Jun 21 \| 532134	5%	₹66 Cr	2,244,222 ↑ 127,830
Bharat Dynamics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| BDL	5%	₹65 Cr	445,685 ↑ 21,640
Dredging Corp of India Ltd (Industrials) Equity, Since 31 Jul 25 \| DREDGECORP	4%	₹64 Cr	646,300
NTPC Ltd (Utilities) Equity, Since 31 May 19 \| 532555	4%	₹59 Cr	1,801,543 ↓ -223,420

5. IDBI Gold Fund

The investment objective of the Scheme will be to generate returns that correspond closely to the returns generated by IDBI Gold Exchange Traded Fund (IDBI GOLD ETF).

Research Highlights for IDBI Gold Fund

Bottom quartile AUM (₹623 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 27.87% (upper mid).
3Y return: 44.12% (top quartile).
1Y return: 115.14% (top quartile).
1M return: 28.98% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 4.30 (upper mid).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding LIC MF Gold ETF (~99.0%).
Top-3 holdings concentration ~102.2%.

Below is the key information for IDBI Gold Fund

IDBI Gold Fund Growth
Launch Date	14 Aug 12
NAV (29 Jan 26)	₹45.9857 ↑ 3.83 (9.08 %)
Net Assets (Cr)	₹623 on 31 Dec 25
Category	Gold - Gold
AMC	IDBI Asset Management Limited
Rating	Not Rated
Risk	Moderately High
Expense Ratio	0.64
Sharpe Ratio	4.3
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
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 20	₹10,000
31 Dec 21	₹9,603
31 Dec 22	₹10,753
31 Dec 23	₹12,340
31 Dec 24	₹14,642
31 Dec 25	₹26,206

IDBI Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181 Invest Now

Returns for IDBI Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26

Duration	Returns
1 Month	29%
3 Month	47.5%
6 Month	79%
1 Year	115.1%
3 Year	44.1%
5 Year	27.9%
10 Year
15 Year
Since launch	12%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	79%
2023	18.7%
2022	14.8%
2021	12%
2020	-4%
2019	24.2%
2018	21.6%
2017	5.8%
2016	1.4%
2015	8.3%

Fund Manager information for IDBI Gold Fund

Name	Since	Tenure
Sumit Bhatnagar	1 Jun 24	1.59 Yr.

Data below for IDBI Gold Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	2.77%
Other	97.23%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
LIC MF Gold ETF - \| -	99%	₹617 Cr	493,852 ↑ 35,100
Treps CBLO/Reverse Repo \| -	2%	₹13 Cr
Net Receivables / (Payables) Net Current Assets \| -	1%	-₹7 Cr

6. HDFC Infrastructure Fund

To seek long-term capital appreciation by investing predominantly in equity and equity related securities of companies engaged in or expected to benefit from growth and development of infrastructure.

Research Highlights for HDFC Infrastructure Fund

Lower mid AUM (₹2,452 Cr).
Established history (17+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 27.12% (lower mid).
3Y return: 26.02% (bottom quartile).
1Y return: 7.49% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.12 (bottom quartile).
Information ratio: 0.00 (upper mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding Larsen & Toubro Ltd (~6.6%).

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund Growth
Launch Date	10 Mar 08
NAV (29 Jan 26)	₹46.418 ↑ 0.33 (0.72 %)
Net Assets (Cr)	₹2,452 on 31 Dec 25
Category	Equity - Sectoral
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	2.06
Sharpe Ratio	-0.13
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹14,317
31 Dec 22	₹17,080
31 Dec 23	₹26,545
31 Dec 24	₹32,658
31 Dec 25	₹33,376

HDFC Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181 Invest Now

Returns for HDFC Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26

Duration	Returns
1 Month	-1.5%
3 Month	-5.3%
6 Month	-2.8%
1 Year	7.5%
3 Year	26%
5 Year	27.1%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2024	2.2%
2023	23%
2022	55.4%
2021	19.3%
2020	43.2%
2019	-7.5%
2018	-3.4%
2017	-29%
2016	43.3%
2015	-1.9%

Fund Manager information for HDFC Infrastructure Fund

Name	Since	Tenure
Dhruv Muchhal	22 Jun 23	2.53 Yr.
Ashish Shah	1 Nov 25	0.17 Yr.

Data below for HDFC Infrastructure Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	39.43%
Financial Services	20.52%
Basic Materials	10.17%
Energy	7.36%
Utility	6.95%
Communication Services	4.29%
Real Estate	2.59%
Health Care	1.72%
Technology	1.41%
Consumer Cyclical	0.69%

Asset Allocation

Asset Class	Value
Cash	4.88%
Equity	95.12%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 12 \| LT	7%	₹162 Cr	397,500 ↑ 17,500
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| 532174	6%	₹148 Cr	1,100,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Aug 23 \| HDFCBANK	6%	₹139 Cr	1,400,000
Kalpataru Projects International Ltd (Industrials) Equity, Since 31 Jan 23 \| KPIL	4%	₹91 Cr	758,285
J Kumar Infraprojects Ltd (Industrials) Equity, Since 31 Oct 15 \| JKIL	3%	₹82 Cr	1,400,000
Reliance Industries Ltd (Energy) Equity, Since 31 May 24 \| RELIANCE	3%	₹79 Cr	500,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Dec 21 \| INDIGO	3%	₹76 Cr	150,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 20 \| BHARTIARTL	3%	₹74 Cr	350,000
NTPC Ltd (Utilities) Equity, Since 31 Dec 17 \| 532555	3%	₹73 Cr	2,200,000
State Bank of India (Financial Services) Equity, Since 31 Mar 08 \| SBIN	3%	₹69 Cr	704,361

7. Axis Gold Fund

To generate returns that closely correspond to returns generated by Axis Gold ETF.

Research Highlights for Axis Gold Fund

Lower mid AUM (₹2,167 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 25.94% (lower mid).
3Y return: 40.42% (upper mid).
1Y return: 100.03% (upper mid).
1M return: 19.43% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 4.36 (top quartile).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding Axis Gold ETF (~100.0%).
Top-3 holdings concentration ~101.2%.

Below is the key information for Axis Gold Fund

Axis Gold Fund Growth
Launch Date	20 Oct 11
NAV (29 Jan 26)	₹51.6534 ↑ 3.88 (8.12 %)
Net Assets (Cr)	₹2,167 on 31 Dec 25
Category	Gold - Gold
AMC	Axis Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.5
Sharpe Ratio	4.36
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 20	₹10,000
31 Dec 21	₹9,530
31 Dec 22	₹10,720
31 Dec 23	₹12,290
31 Dec 24	₹14,647
31 Dec 25	₹24,866

Axis Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 Invest Now

Returns for Axis Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26

Duration	Returns
1 Month	19.4%
3 Month	41.8%
6 Month	66%
1 Year	100%
3 Year	40.4%
5 Year	25.9%
10 Year
15 Year
Since launch	11.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	69.8%
2023	19.2%
2022	14.7%
2021	12.5%
2020	-4.7%
2019	26.9%
2018	23.1%
2017	8.3%
2016	0.7%
2015	10.7%

Fund Manager information for Axis Gold Fund

Name	Since	Tenure
Aditya Pagaria	9 Nov 21	4.15 Yr.
Pratik Tibrewal	1 Feb 25	0.91 Yr.

Data below for Axis Gold Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	1.48%
Other	98.52%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Gold ETF - \| -	100%	₹2,168 Cr	195,829,138 ↑ 10,476,454
Net Receivables / (Payables) CBLO \| -	1%	-₹13 Cr
Clearing Corporation Of India Ltd CBLO/Reverse Repo \| -	1%	₹12 Cr

8. Franklin Build India Fund

The Scheme seeks to achieve capital appreciation by investing in companies engaged directly or indirectly in infrastructure related activities.

Research Highlights for Franklin Build India Fund

Upper mid AUM (₹3,036 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: High.
5Y return: 25.91% (bottom quartile).
3Y return: 26.54% (lower mid).
1Y return: 10.26% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.05 (bottom quartile).
Information ratio: 0.00 (lower mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding Larsen & Toubro Ltd (~8.9%).

Below is the key information for Franklin Build India Fund

Franklin Build India Fund Growth
Launch Date	4 Sep 09
NAV (29 Jan 26)	₹141.553 ↑ 1.48 (1.05 %)
Net Assets (Cr)	₹3,036 on 31 Dec 25
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	2.01
Sharpe Ratio	-0.05
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 20	₹10,000
31 Dec 21	₹14,590
31 Dec 22	₹16,231
31 Dec 23	₹24,526
31 Dec 24	₹31,348
31 Dec 25	₹32,504

Franklin Build India Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 Invest Now

Returns for Franklin Build India Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26

Duration	Returns
1 Month	-0.2%
3 Month	-4.1%
6 Month	0.2%
1 Year	10.3%
3 Year	26.5%
5 Year	25.9%
10 Year
15 Year
Since launch	17.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	3.7%
2023	27.8%
2022	51.1%
2021	11.2%
2020	45.9%
2019	5.4%
2018	6%
2017	-10.7%
2016	43.3%
2015	8.4%

Fund Manager information for Franklin Build India Fund

Name	Since	Tenure
Ajay Argal	18 Oct 21	4.21 Yr.
Kiran Sebastian	7 Feb 22	3.9 Yr.
Sandeep Manam	18 Oct 21	4.21 Yr.

Data below for Franklin Build India Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	35%
Financial Services	15.02%
Utility	14.66%
Energy	13.57%
Communication Services	8.21%
Basic Materials	5.21%
Real Estate	2.63%
Consumer Cyclical	1.58%
Technology	1.15%

Asset Allocation

Asset Class	Value
Cash	2.97%
Equity	97.03%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 29 Feb 20 \| LT	9%	₹272 Cr	665,000
Reliance Industries Ltd (Energy) Equity, Since 31 Oct 21 \| RELIANCE	6%	₹188 Cr	1,200,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 29 Feb 20 \| INDIGO	5%	₹165 Cr	325,341 ↑ 10,341
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 30 Jun 19 \| 500312	5%	₹164 Cr	6,825,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 09 \| BHARTIARTL	5%	₹149 Cr	710,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 25 \| HDFCBANK	5%	₹149 Cr	1,500,000
NTPC Ltd (Utilities) Equity, Since 30 Nov 16 \| 532555	5%	₹143 Cr	4,350,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 12 \| 532215	4%	₹127 Cr	1,000,000
State Bank of India (Financial Services) Equity, Since 31 Jul 14 \| SBIN	3%	₹98 Cr	1,000,000
GAIL (India) Ltd (Utilities) Equity, Since 31 Jan 25 \| 532155	3%	₹96 Cr	5,600,000

9. SBI Gold Fund

The scheme seeks to provide returns that closely correspond to returns provided by SBI - ETF Gold (Previously known as SBI GETS).

Research Highlights for SBI Gold Fund

Top quartile AUM (₹10,775 Cr).
Established history (14+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 25.89% (bottom quartile).
3Y return: 40.54% (upper mid).
1Y return: 100.84% (upper mid).
1M return: 19.08% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 4.38 (top quartile).
Information ratio: 0.00 (lower mid).
Top bond sector: Cash Equivalent.
Largest holding SBI Gold ETF (~100.3%).
Top-3 holdings concentration ~102.3%.

Below is the key information for SBI Gold Fund

SBI Gold Fund Growth
Launch Date	12 Sep 11
NAV (29 Jan 26)	₹51.6546 ↑ 3.77 (7.88 %)
Net Assets (Cr)	₹10,775 on 31 Dec 25
Category	Gold - Gold
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	0.3
Sharpe Ratio	4.38
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 20	₹10,000
31 Dec 21	₹9,431
31 Dec 22	₹10,624
31 Dec 23	₹12,126
31 Dec 24	₹14,507
31 Dec 25	₹24,880

SBI Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 Invest Now

Returns for SBI Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26

Duration	Returns
1 Month	19.1%
3 Month	40.7%
6 Month	65.7%
1 Year	100.8%
3 Year	40.5%
5 Year	25.9%
10 Year
15 Year
Since launch	11.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	71.5%
2023	19.6%
2022	14.1%
2021	12.6%
2020	-5.7%
2019	27.4%
2018	22.8%
2017	6.4%
2016	3.5%
2015	10%

Fund Manager information for SBI Gold Fund

Name	Since	Tenure
Raviprakash Sharma	12 Sep 11	14.31 Yr.

Data below for SBI Gold Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	1.25%
Other	98.75%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
SBI Gold ETF - \| -	100%	₹10,805 Cr	951,342,785 ↑ 86,762,195
Net Receivable / Payable CBLO \| -	1%	-₹125 Cr
Treps CBLO/Reverse Repo \| -	1%	₹94 Cr

10. Motilal Oswal Midcap 30 Fund

(Erstwhile Motilal Oswal MOSt Focused Midcap 30 Fund)

The investment objective of the Scheme is to achieve long term capital appreciation by investing in a maximum of 30 quality mid-cap companies having long-term competitive advantages and potential for growth. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved.

Research Highlights for Motilal Oswal Midcap 30 Fund

Highest AUM (₹36,880 Cr).
Established history (11+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 25.89% (bottom quartile).
3Y return: 23.09% (bottom quartile).
1Y return: -1.23% (bottom quartile).
Alpha: -18.12 (bottom quartile).
Sharpe: -0.79 (bottom quartile).
Information ratio: 0.10 (top quartile).
Higher exposure to Technology vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~82%).
Largest holding Persistent Systems Ltd (~10.2%).

Below is the key information for Motilal Oswal Midcap 30 Fund

Motilal Oswal Midcap 30 Fund Growth
Launch Date	24 Feb 14
NAV (29 Jan 26)	₹92.6137 ↑ 0.11 (0.12 %)
Net Assets (Cr)	₹36,880 on 31 Dec 25
Category	Equity - Mid Cap
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.56
Sharpe Ratio	-0.79
Information Ratio	0.1
Alpha Ratio	-18.12
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 20	₹10,000
31 Dec 21	₹15,583
31 Dec 22	₹17,252
31 Dec 23	₹24,442
31 Dec 24	₹38,406
31 Dec 25	₹33,746

Motilal Oswal Midcap 30 Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 Invest Now

Returns for Motilal Oswal Midcap 30 Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26

Duration	Returns
1 Month	-6.6%
3 Month	-11.4%
6 Month	-8.4%
1 Year	-1.2%
3 Year	23.1%
5 Year	25.9%
10 Year
15 Year
Since launch	20.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-12.1%
2023	57.1%
2022	41.7%
2021	10.7%
2020	55.8%
2019	9.3%
2018	9.7%
2017	-12.7%
2016	30.8%
2015	5.2%

Fund Manager information for Motilal Oswal Midcap 30 Fund

Name	Since	Tenure
Ajay Khandelwal	1 Oct 24	1.25 Yr.
Niket Shah	1 Jul 20	5.51 Yr.
Rakesh Shetty	22 Nov 22	3.11 Yr.
Sunil Sawant	1 Jul 24	1.5 Yr.

Data below for Motilal Oswal Midcap 30 Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Technology	34.62%
Consumer Cyclical	15.12%
Industrials	10.84%
Financial Services	10.65%
Communication Services	9.14%
Real Estate	2.38%
Health Care	0.85%

Asset Allocation

Asset Class	Value
Cash	18.4%
Equity	81.6%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Persistent Systems Ltd (Technology) Equity, Since 31 Jan 23 \| PERSISTENT	10%	₹3,744 Cr	5,969,840 ↓ -30,160
Coforge Ltd (Technology) Equity, Since 31 Mar 23 \| COFORGE	9%	₹3,284 Cr	19,750,000
One97 Communications Ltd (Technology) Equity, Since 30 Sep 24 \| 543396	8%	₹2,923 Cr	22,501,127 ↑ 21,166
Kalyan Jewellers India Ltd (Consumer Cyclical) Equity, Since 29 Feb 24 \| KALYANKJIL	8%	₹2,914 Cr	60,043,240
Dixon Technologies (India) Ltd (Technology) Equity, Since 31 Mar 23 \| DIXON	7%	₹2,541 Cr	2,100,000
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Aug 25 \| 543320	6%	₹2,127 Cr	76,501,000 ↓ -33,500,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 25 \| BHARTIARTL	5%	₹2,004 Cr	9,517,664 ↑ 17,664
KEI Industries Ltd (Industrials) Equity, Since 30 Nov 24 \| KEI	5%	₹1,784 Cr	4,000,000
Aditya Birla Capital Ltd (Financial Services) Equity, Since 30 Jun 25 \| ABCAPITAL	5%	₹1,699 Cr	47,500,000
Bharti Hexacom Ltd (Communication Services) Equity, Since 31 Oct 24 \| BHARTIHEXA	4%	₹1,366 Cr	7,500,000

মিউচুয়াল ফান্ড এসআইপি অনলাইনে কীভাবে বিনিয়োগ করবেন?

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নথি আপলোড করুন (প্যান, আধার, ইত্যাদি)।এবং, আপনি বিনিয়োগ করতে প্রস্তুত!

এবার শুরু করা যাক

FAQs

1. আমি কি সময় বেছে নিতে পারি যখন পরিমাণ ডেবিট হবে?

ক: না, সময়কাল যখন আপনার থেকে টাকা ডেবিট করা হবেব্যাংক আপনি যে SIP-এ বিনিয়োগ করার সিদ্ধান্ত নিয়েছেন তার উপর নির্ভর করবে অ্যাকাউন্ট। আপনি বেছে নিতে পারেনএকটি এসআইপিতে বিনিয়োগ করুন এক বছরের সময়কাল থেকে 10+ বছর পর্যন্ত। SIP এর মেয়াদের উপর নির্ভর করে, আপনার অ্যাকাউন্ট থেকে পরিমাণ কেটে নেওয়া হবে।

2. SIP এর মেয়াদ এবং মেয়াদ কি একই জিনিস/টার্ম?

ক: হ্যাঁ, তারা একই। আপনি যখন অফার ডকুমেন্টটি পড়বেন, তখন সাবধানে এসআইপি টার্ম চেক করুন, কারণ এটি আপনাকে বলে দেবে যে সময়কাল/মেয়াদে আপনার অ্যাকাউন্ট থেকে টাকা কেটে নেওয়া হবে। মেয়াদ নির্বাচন করা সম্পূর্ণরূপে বিনিয়োগকারীদের পছন্দ।

3. SIP এর মেয়াদ কি পরিবর্তন করা যেতে পারে?

ক: আপনি যদি এমন একটি পরিকল্পনা বেছে নেন যা এসআইপিকে বাধ্যতামূলক করে, তাহলে আপনাকে সেই মেয়াদ শেষ করতে হবে। মেয়াদের পরে, আপনি পুরো টাকা তুলতে পারবেন। যাইহোক, আপনি যদি বিনিয়োগ পুনর্নবীকরণ করতে চান তবে আপনি মেয়াদ পরিবর্তন করতে পারেন এবং আরও বর্ধিত আদেশ সহ একটি ভিন্ন SIP নির্বাচন করতে পারেন।

4. আমি কি SIP-এর জন্য বিনিয়োগের পরিমাণ পরিবর্তন করতে পারি?

ক: আপনি নমনীয় SIP-এ বিনিয়োগ করতে বেছে নিতে পারেন। এই এসআইপিগুলি আপনাকে বিনিয়োগের সময়কালে আপনি যে পরিমাণ অর্থ বিনিয়োগ করতে পারেন তা পরিবর্তন করতে দেয়। আপনার মেয়াদের সময়, আপনি আপনার উপর নির্ভর করে SIP-এ যে পরিমাণ অর্থ বিনিয়োগ করতে চান তা পরিবর্তন করতে পারেননগদ প্রবাহ.

5. দীর্ঘমেয়াদী SIP কি?

ক: একটি দীর্ঘমেয়াদী এসআইপি এমন একটি হবে যাতে আপনি প্রায় 5 থেকে 10 বছরের জন্য বিনিয়োগ করেন। আদর্শভাবে, দীর্ঘমেয়াদী এসআইপি-তে ভালো রিটার্ন দেওয়ার সম্ভাবনা বেশি থাকে।

6. আমি কি মেয়াদের আগে একটি SIP প্রত্যাহার করতে পারি?

ক: এটি সবচেয়ে ভাল হবে যদি আপনি একটি SIP এর মেয়াদ শেষ করার আগে প্রত্যাহার না করেন। কখনও কখনও বিনিয়োগে এক্সিট লোড নাও থাকতে পারে, তবে এটি সম্পূর্ণভাবে নির্দিষ্ট SIP-এর উপর নির্ভর করে। আপনি যে বিনিয়োগ করছেন সে বিষয়ে আপনি যদি অনিশ্চিত হন, তাহলে আপনার এক বছরের জন্য মাত্র INR 500 বিনিয়োগ করে ছোট শুরু করা উচিত। আপনার ঝুঁকি গ্রহণের ক্ষুধা বাড়ার সাথে সাথে আপনি আপনার বিনিয়োগ বাড়াতে পারেন।

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।