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

Updated on December 23, 2025 , 232934 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 (%)
ICICI Prudential Infrastructure Fund Growth	₹196.24 ↑ 0.13	₹8,160	100	0.1	1	5.2	26.3	30.8	27.4
SBI PSU Fund Growth	₹33.3222 ↓ -0.07	₹5,763	500	3.4	4.4	7.8	30.6	29.2	23.5
Motilal Oswal Midcap 30 Fund Growth	₹99.8872 ↓ -0.59	₹38,003	500	-3	-2.6	-9.5	27	28.2	57.1
HDFC Infrastructure Fund Growth	₹47.445 ↓ -0.11	₹2,514	300	-0.8	0.2	1.5	27.4	27.9	23
Nippon India Small Cap Fund Growth	₹166.154 ↓ -0.44	₹68,572	100	-2.3	-1.1	-4.8	23.3	27.7	26.1
DSP India T.I.G.E.R Fund Growth	₹314.333 ↓ -0.98	₹5,419	500	-0.8	1.4	-2.7	26.1	27.6	32.4
Invesco India PSU Equity Fund Growth	₹65.19 ↑ 0.17	₹1,445	500	1.8	1.6	7.5	30.3	27.6	25.6
Nippon India Power and Infra Fund Growth	₹345.186 ↓ -0.73	₹7,301	100	-1.9	0	-1	27.1	27.4	26.9
Bandhan Infrastructure Fund Growth	₹48.286 ↓ -0.02	₹1,566	100	-3.6	-4	-6.1	26.7	27.3	39.3
Canara Robeco Infrastructure Growth	₹157.86 ↓ -0.31	₹916	1,000	-3.3	-1.2	-0.1	25.3	27.3	35.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Dec 25

Research Highlights & Commentary of 10 Funds showcased

Commentary	ICICI Prudential Infrastructure Fund	SBI PSU Fund	Motilal Oswal Midcap 30 Fund	HDFC Infrastructure Fund	Nippon India Small Cap Fund	DSP India T.I.G.E.R Fund	Invesco India PSU Equity Fund	Nippon India Power and Infra Fund	Bandhan Infrastructure Fund	Canara Robeco Infrastructure
Point 1	Upper mid AUM (₹8,160 Cr).	Upper mid AUM (₹5,763 Cr).	Top quartile AUM (₹38,003 Cr).	Lower mid AUM (₹2,514 Cr).	Highest AUM (₹68,572 Cr).	Lower mid AUM (₹5,419 Cr).	Bottom quartile AUM (₹1,445 Cr).	Upper mid AUM (₹7,301 Cr).	Bottom quartile AUM (₹1,566 Cr).	Bottom quartile AUM (₹916 Cr).
Point 2	Established history (20+ yrs).	Established history (15+ yrs).	Established history (11+ yrs).	Established history (17+ yrs).	Established history (15+ yrs).	Oldest track record among peers (21 yrs).	Established history (16+ yrs).	Established history (21+ yrs).	Established history (14+ yrs).	Established history (20+ yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Rating: 3★ (lower mid).	Rating: 4★ (top quartile).	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).	Top rated.	Not Rated.
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 30.79% (top quartile).	5Y return: 29.16% (top quartile).	5Y return: 28.24% (upper mid).	5Y return: 27.89% (upper mid).	5Y return: 27.69% (upper mid).	5Y return: 27.59% (lower mid).	5Y return: 27.58% (lower mid).	5Y return: 27.37% (bottom quartile).	5Y return: 27.25% (bottom quartile).	5Y return: 27.25% (bottom quartile).
Point 6	3Y return: 26.31% (lower mid).	3Y return: 30.65% (top quartile).	3Y return: 27.02% (upper mid).	3Y return: 27.40% (upper mid).	3Y return: 23.29% (bottom quartile).	3Y return: 26.14% (bottom quartile).	3Y return: 30.33% (top quartile).	3Y return: 27.14% (upper mid).	3Y return: 26.65% (lower mid).	3Y return: 25.28% (bottom quartile).
Point 7	1Y return: 5.22% (upper mid).	1Y return: 7.79% (top quartile).	1Y return: -9.49% (bottom quartile).	1Y return: 1.49% (upper mid).	1Y return: -4.81% (bottom quartile).	1Y return: -2.68% (lower mid).	1Y return: 7.49% (top quartile).	1Y return: -1.00% (lower mid).	1Y return: -6.11% (bottom quartile).	1Y return: -0.08% (upper mid).
Point 8	Alpha: 0.00 (top quartile).	Alpha: -0.83 (lower mid).	Alpha: -11.47 (bottom quartile).	Alpha: 0.00 (top quartile).	Alpha: -1.19 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: -0.45 (lower mid).	Alpha: -12.90 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (upper mid).
Point 9	Sharpe: 0.00 (upper mid).	Sharpe: 0.03 (top quartile).	Sharpe: -0.40 (bottom quartile).	Sharpe: -0.15 (upper mid).	Sharpe: -0.40 (bottom quartile).	Sharpe: -0.39 (lower mid).	Sharpe: 0.06 (top quartile).	Sharpe: -0.26 (lower mid).	Sharpe: -0.40 (bottom quartile).	Sharpe: -0.13 (upper mid).
Point 10	Information ratio: 0.00 (upper mid).	Information ratio: -0.53 (bottom quartile).	Information ratio: 0.21 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.05 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: -0.49 (bottom quartile).	Information ratio: 0.42 (top quartile).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).

ICICI Prudential Infrastructure Fund

Upper mid AUM (₹8,160 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 30.79% (top quartile).
3Y return: 26.31% (lower mid).
1Y return: 5.22% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 0.00 (upper mid).
Information ratio: 0.00 (upper mid).

SBI PSU Fund

Upper mid AUM (₹5,763 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 29.16% (top quartile).
3Y return: 30.65% (top quartile).
1Y return: 7.79% (top quartile).
Alpha: -0.83 (lower mid).
Sharpe: 0.03 (top quartile).
Information ratio: -0.53 (bottom quartile).

Motilal Oswal Midcap 30 Fund

Top quartile AUM (₹38,003 Cr).
Established history (11+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 28.24% (upper mid).
3Y return: 27.02% (upper mid).
1Y return: -9.49% (bottom quartile).
Alpha: -11.47 (bottom quartile).
Sharpe: -0.40 (bottom quartile).
Information ratio: 0.21 (top quartile).

HDFC Infrastructure Fund

Lower mid AUM (₹2,514 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 27.89% (upper mid).
3Y return: 27.40% (upper mid).
1Y return: 1.49% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: -0.15 (upper mid).
Information ratio: 0.00 (upper mid).

Nippon India Small Cap Fund

Highest AUM (₹68,572 Cr).
Established history (15+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately High.
5Y return: 27.69% (upper mid).
3Y return: 23.29% (bottom quartile).
1Y return: -4.81% (bottom quartile).
Alpha: -1.19 (bottom quartile).
Sharpe: -0.40 (bottom quartile).
Information ratio: 0.05 (upper mid).

DSP India T.I.G.E.R Fund

Lower mid AUM (₹5,419 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 27.59% (lower mid).
3Y return: 26.14% (bottom quartile).
1Y return: -2.68% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.39 (lower mid).
Information ratio: 0.00 (lower mid).

Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,445 Cr).
Established history (16+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 27.58% (lower mid).
3Y return: 30.33% (top quartile).
1Y return: 7.49% (top quartile).
Alpha: -0.45 (lower mid).
Sharpe: 0.06 (top quartile).
Information ratio: -0.49 (bottom quartile).

Nippon India Power and Infra Fund

Upper mid AUM (₹7,301 Cr).
Established history (21+ yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 27.37% (bottom quartile).
3Y return: 27.14% (upper mid).
1Y return: -1.00% (lower mid).
Alpha: -12.90 (bottom quartile).
Sharpe: -0.26 (lower mid).
Information ratio: 0.42 (top quartile).

Bandhan Infrastructure Fund

Bottom quartile AUM (₹1,566 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: High.
5Y return: 27.25% (bottom quartile).
3Y return: 26.65% (lower mid).
1Y return: -6.11% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.40 (bottom quartile).
Information ratio: 0.00 (lower mid).

Canara Robeco Infrastructure

Bottom quartile AUM (₹916 Cr).
Established history (20+ yrs).
Not Rated.
Risk profile: High.
5Y return: 27.25% (bottom quartile).
3Y return: 25.28% (bottom quartile).
1Y return: -0.08% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.13 (upper mid).
Information ratio: 0.00 (bottom 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. 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 (₹8,160 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 30.79% (top quartile).
3Y return: 26.31% (lower mid).
1Y return: 5.22% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 0.00 (upper mid).
Information ratio: 0.00 (upper mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
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 (24 Dec 25)	₹196.24 ↑ 0.13 (0.07 %)
Net Assets (Cr)	₹8,160 on 30 Nov 25
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0
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
30 Nov 20	₹10,000
30 Nov 21	₹16,536
30 Nov 22	₹21,423
30 Nov 23	₹28,347
30 Nov 24	₹40,177
30 Nov 25	₹42,083

ICICI Prudential Infrastructure 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 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 24 Dec 25

Duration	Returns
1 Month	0%
3 Month	0.1%
6 Month	1%
1 Year	5.2%
3 Year	26.3%
5 Year	30.8%
10 Year
15 Year
Since launch	15.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	27.4%
2023	44.6%
2022	28.8%
2021	50.1%
2020	3.6%
2019	2.6%
2018	-14%
2017	40.8%
2016	2%
2015	-3.4%

Fund Manager information for ICICI Prudential Infrastructure Fund

Name	Since	Tenure
Ihab Dalwai	3 Jun 17	8.5 Yr.
Sharmila D’mello	30 Jun 22	3.42 Yr.

Data below for ICICI Prudential Infrastructure Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Industrials	40.39%
Financial Services	14.64%
Basic Materials	12.34%
Utility	10.24%
Energy	9.18%
Real Estate	3.73%
Consumer Cyclical	2.03%
Communication Services	1.47%

Asset Allocation

Asset Class	Value
Cash	5.66%
Equity	94.34%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 09 \| LT	9%	₹715 Cr	1,755,704 ↓ -87,500
NTPC Ltd (Utilities) Equity, Since 29 Feb 16 \| NTPC	4%	₹358 Cr	10,976,448
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 May 24 \| ADANIPORTS	3%	₹281 Cr	1,854,934
AIA Engineering Ltd (Industrials) Equity, Since 28 Feb 21 \| AIAENG	3%	₹259 Cr	669,751 ↓ -32,202
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 23 \| RELIANCE	3%	₹240 Cr	1,529,725 ↓ -250,000
Vedanta Ltd (Basic Materials) Equity, Since 31 Jul 24 \| VEDL	3%	₹231 Cr	4,400,100 ↓ -299,900
NCC Ltd (Industrials) Equity, Since 31 Aug 21 \| NCC	3%	₹224 Cr	13,053,905
Kalpataru Projects International Ltd (Industrials) Equity, Since 30 Sep 06 \| 522287	3%	₹216 Cr	1,803,566
Axis Bank Ltd (Financial Services) Equity, Since 31 Dec 20 \| AXISBANK	3%	₹215 Cr	1,683,557 ↓ -312,500
IndusInd Bank Ltd (Financial Services) Equity, Since 31 Oct 24 \| INDUSINDBK	3%	₹208 Cr	2,424,016

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 (₹5,763 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 29.16% (top quartile).
3Y return: 30.65% (top quartile).
1Y return: 7.79% (top quartile).
Alpha: -0.83 (lower mid).
Sharpe: 0.03 (top quartile).
Information ratio: -0.53 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~16.9%).

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (24 Dec 25)	₹33.3222 ↓ -0.07 (-0.21 %)
Net Assets (Cr)	₹5,763 on 30 Nov 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0.03
Information Ratio	-0.53
Alpha Ratio	-0.83
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
30 Nov 20	₹10,000
30 Nov 21	₹13,886
30 Nov 22	₹18,323
30 Nov 23	₹23,973
30 Nov 24	₹36,302
30 Nov 25	₹38,023

SBI PSU 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 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 24 Dec 25

Duration	Returns
1 Month	-0.4%
3 Month	3.4%
6 Month	4.4%
1 Year	7.8%
3 Year	30.6%
5 Year	29.2%
10 Year
15 Year
Since launch	8.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23.5%
2023	54%
2022	29%
2021	32.4%
2020	-10%
2019	6%
2018	-23.8%
2017	21.9%
2016	16.2%
2015	-11.1%

Fund Manager information for SBI PSU Fund

Name	Since	Tenure
Rohit Shimpi	1 Jun 24	1.5 Yr.

Data below for SBI PSU Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	36.69%
Utility	27.73%
Energy	13.4%
Industrials	12.38%
Basic Materials	5.83%

Asset Allocation

Asset Class	Value
Cash	3.88%
Equity	96.04%
Debt	0.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	17%	₹972 Cr	9,927,500
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	9%	₹534 Cr	12,975,000
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| NTPC	8%	₹475 Cr	14,543,244
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| GAIL	8%	₹453 Cr	25,750,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| POWERGRID	8%	₹446 Cr	16,535,554
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| BPCL	6%	₹348 Cr	9,700,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| BANKBARODA	6%	₹319 Cr	11,000,000
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| INDIANB	4%	₹211 Cr	2,427,235
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| NMDC	4%	₹206 Cr	27,900,000
General Insurance Corp of India (Financial Services) Equity, Since 31 May 24 \| GICRE	3%	₹161 Cr	4,150,000

3. 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

Top quartile AUM (₹38,003 Cr).
Established history (11+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 28.24% (upper mid).
3Y return: 27.02% (upper mid).
1Y return: -9.49% (bottom quartile).
Alpha: -11.47 (bottom quartile).
Sharpe: -0.40 (bottom quartile).
Information ratio: 0.21 (top quartile).
Higher exposure to Technology vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~92%).
Largest holding Persistent Systems Ltd (~10.0%).

Below is the key information for Motilal Oswal Midcap 30 Fund

Motilal Oswal Midcap 30 Fund Growth
Launch Date	24 Feb 14
NAV (24 Dec 25)	₹99.8872 ↓ -0.59 (-0.59 %)
Net Assets (Cr)	₹38,003 on 30 Nov 25
Category	Equity - Mid Cap
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.56
Sharpe Ratio	-0.4
Information Ratio	0.21
Alpha Ratio	-11.47
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
30 Nov 20	₹10,000
30 Nov 21	₹15,596
30 Nov 22	₹18,569
30 Nov 23	₹24,148
30 Nov 24	₹38,652
30 Nov 25	₹36,880

Motilal Oswal Midcap 30 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 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 24 Dec 25

Duration	Returns
1 Month	-1.9%
3 Month	-3%
6 Month	-2.6%
1 Year	-9.5%
3 Year	27%
5 Year	28.2%
10 Year
15 Year
Since launch	21.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	57.1%
2023	41.7%
2022	10.7%
2021	55.8%
2020	9.3%
2019	9.7%
2018	-12.7%
2017	30.8%
2016	5.2%
2015	16.5%

Fund Manager information for Motilal Oswal Midcap 30 Fund

Name	Since	Tenure
Ajay Khandelwal	1 Oct 24	1.17 Yr.
Niket Shah	1 Jul 20	5.42 Yr.
Rakesh Shetty	22 Nov 22	3.03 Yr.
Sunil Sawant	1 Jul 24	1.42 Yr.

Data below for Motilal Oswal Midcap 30 Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Technology	37.64%
Consumer Cyclical	18.46%
Industrials	11.9%
Financial Services	11.71%
Communication Services	8.74%
Real Estate	2.43%
Health Care	1.61%

Asset Allocation

Asset Class	Value
Cash	7.92%
Equity	92.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Persistent Systems Ltd (Technology) Equity, Since 31 Jan 23 \| PERSISTENT	10%	₹3,812 Cr	6,000,000
Coforge Ltd (Technology) Equity, Since 31 Mar 23 \| COFORGE	10%	₹3,770 Cr	19,750,000 ↑ 99,301
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Aug 25 \| 543320	9%	₹3,301 Cr	110,001,000 ↑ 10,001,000
Dixon Technologies (India) Ltd (Technology) Equity, Since 31 Mar 23 \| DIXON	8%	₹3,066 Cr	2,100,000
Kalyan Jewellers India Ltd (Consumer Cyclical) Equity, Since 29 Feb 24 \| KALYANKJIL	8%	₹3,034 Cr	60,043,240 ↑ 43,240
One97 Communications Ltd (Technology) Equity, Since 30 Sep 24 \| 543396	8%	₹2,969 Cr	22,479,961 ↓ -2,520,039
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 25 \| BHARTIARTL	5%	₹1,997 Cr	9,500,000 ↑ 9,500,000
Polycab India Ltd (Industrials) Equity, Since 30 Sep 23 \| POLYCAB	5%	₹1,889 Cr	2,528,264 ↓ -145,406
Aditya Birla Capital Ltd (Financial Services) Equity, Since 30 Jun 25 \| ABCAPITAL	4%	₹1,701 Cr	47,500,000 ↑ 7,482,572
KEI Industries Ltd (Industrials) Equity, Since 30 Nov 24 \| KEI	4%	₹1,658 Cr	4,000,000

4. 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 (₹2,514 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 27.89% (upper mid).
3Y return: 27.40% (upper mid).
1Y return: 1.49% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: -0.15 (upper mid).
Information ratio: 0.00 (upper mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding Larsen & Toubro Ltd (~6.2%).

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund Growth
Launch Date	10 Mar 08
NAV (24 Dec 25)	₹47.445 ↓ -0.11 (-0.23 %)
Net Assets (Cr)	₹2,514 on 30 Nov 25
Category	Equity - Sectoral
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	2.06
Sharpe Ratio	-0.15
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
30 Nov 20	₹10,000
30 Nov 21	₹16,017
30 Nov 22	₹19,623
30 Nov 23	₹27,687
30 Nov 24	₹38,227
30 Nov 25	₹38,951

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 24 Dec 25

Duration	Returns
1 Month	-0.8%
3 Month	-0.8%
6 Month	0.2%
1 Year	1.5%
3 Year	27.4%
5 Year	27.9%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23%
2023	55.4%
2022	19.3%
2021	43.2%
2020	-7.5%
2019	-3.4%
2018	-29%
2017	43.3%
2016	-1.9%
2015	-2.5%

Fund Manager information for HDFC Infrastructure Fund

Name	Since	Tenure
Dhruv Muchhal	22 Jun 23	2.45 Yr.
Ashish Shah	1 Nov 25	0.08 Yr.

Data below for HDFC Infrastructure Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Industrials	39.35%
Financial Services	20.43%
Basic Materials	10.2%
Energy	6.93%
Utility	6.76%
Communication Services	4.12%
Real Estate	2.48%
Health Care	1.75%
Technology	1.41%
Consumer Cyclical	0.66%

Asset Allocation

Asset Class	Value
Cash	5.91%
Equity	94.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 12 \| LT	6%	₹155 Cr	380,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	6%	₹153 Cr	1,100,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Aug 23 \| HDFCBANK	6%	₹141 Cr	1,400,000
Kalpataru Projects International Ltd (Industrials) Equity, Since 31 Jan 23 \| 522287	4%	₹91 Cr	758,285
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Dec 21 \| INDIGO	4%	₹89 Cr	150,000
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%	₹78 Cr	500,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 20 \| BHARTIARTL	3%	₹74 Cr	350,000
NTPC Ltd (Utilities) Equity, Since 31 Dec 17 \| NTPC	3%	₹72 Cr	2,200,000
State Bank of India (Financial Services) Equity, Since 31 Mar 08 \| SBIN	3%	₹69 Cr	704,361

5. Nippon India Small Cap Fund

The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related instruments of small cap companies and the secondary objective is to generate consistent returns by investing in debt and money market securities.

Research Highlights for Nippon India Small Cap Fund

Highest AUM (₹68,572 Cr).
Established history (15+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately High.
5Y return: 27.69% (upper mid).
3Y return: 23.29% (bottom quartile).
1Y return: -4.81% (bottom quartile).
Alpha: -1.19 (bottom quartile).
Sharpe: -0.40 (bottom quartile).
Information ratio: 0.05 (upper mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Multi Commodity Exchange of India Ltd (~2.7%).

Below is the key information for Nippon India Small Cap Fund

Nippon India Small Cap Fund Growth
Launch Date	16 Sep 10
NAV (24 Dec 25)	₹166.154 ↓ -0.44 (-0.26 %)
Net Assets (Cr)	₹68,572 on 30 Nov 25
Category	Equity - Small Cap
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.44
Sharpe Ratio	-0.4
Information Ratio	0.05
Alpha Ratio	-1.19
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
30 Nov 20	₹10,000
30 Nov 21	₹17,553
30 Nov 22	₹20,288
30 Nov 23	₹28,079
30 Nov 24	₹37,706
30 Nov 25	₹36,088

Nippon India Small Cap 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 Nippon India Small Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 25

Duration	Returns
1 Month	-0.9%
3 Month	-2.3%
6 Month	-1.1%
1 Year	-4.8%
3 Year	23.3%
5 Year	27.7%
10 Year
15 Year
Since launch	20.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	26.1%
2023	48.9%
2022	6.5%
2021	74.3%
2020	29.2%
2019	-2.5%
2018	-16.7%
2017	63%
2016	5.6%
2015	15.1%

Fund Manager information for Nippon India Small Cap Fund

Name	Since	Tenure
Samir Rachh	2 Jan 17	8.92 Yr.
Kinjal Desai	25 May 18	7.53 Yr.
Lokesh Maru	5 Sep 25	0.24 Yr.
Divya Sharma	5 Sep 25	0.24 Yr.

Data below for Nippon India Small Cap Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Industrials	20.06%
Financial Services	16.18%
Consumer Cyclical	15.33%
Basic Materials	11.01%
Consumer Defensive	10.83%
Health Care	8.81%
Technology	7.25%
Utility	2.37%
Energy	1.83%
Communication Services	1.23%
Real Estate	0.95%

Asset Allocation

Asset Class	Value
Cash	4.15%
Equity	95.85%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 28 Feb 21 \| MCX	3%	₹1,865 Cr	1,851,010
HDFC Bank Ltd (Financial Services) Equity, Since 30 Apr 22 \| HDFCBANK	2%	₹1,340 Cr	13,300,000
State Bank of India (Financial Services) Equity, Since 31 Oct 19 \| SBIN	1%	₹1,013 Cr	10,347,848
Karur Vysya Bank Ltd (Financial Services) Equity, Since 28 Feb 17 \| KARURVYSYA	1%	₹946 Cr	38,140,874
Bharat Heavy Electricals Ltd (Industrials) Equity, Since 30 Sep 22 \| BHEL	1%	₹858 Cr	29,507,422 ↑ 969,190
Apar Industries Ltd (Industrials) Equity, Since 31 Mar 17 \| APARINDS	1%	₹824 Cr	899,271
TD Power Systems Ltd (Industrials) Equity, Since 31 Dec 15 \| TDPOWERSYS	1%	₹799 Cr	10,278,244
eClerx Services Ltd (Technology) Equity, Since 31 Jul 20 \| ECLERX	1%	₹779 Cr	1,712,794
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 24 \| RELIANCE	1%	₹778 Cr	4,964,128
Axis Bank Ltd (Financial Services) Equity, Since 31 Jul 24 \| AXISBANK	1%	₹765 Cr	5,977,976

6. DSP India T.I.G.E.R Fund

To generate capital appreciation, from a portfolio that is substantially constituted of equity securities and equity related securities of corporates, which could benefit from structural changes brought about by continuing liberalization in economic policies by the government and/or continuing investments in infrastructure, both by the public and private sector.

Research Highlights for DSP India T.I.G.E.R Fund

Lower mid AUM (₹5,419 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 27.59% (lower mid).
3Y return: 26.14% (bottom quartile).
1Y return: -2.68% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.39 (lower mid).
Information ratio: 0.00 (lower mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Larsen & Toubro Ltd (~5.2%).

Below is the key information for DSP India T.I.G.E.R Fund

DSP India T.I.G.E.R Fund Growth
Launch Date	11 Jun 04
NAV (24 Dec 25)	₹314.333 ↓ -0.98 (-0.31 %)
Net Assets (Cr)	₹5,419 on 30 Nov 25
Category	Equity - Sectoral
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.39
Information Ratio	0
Alpha Ratio	0
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
30 Nov 20	₹10,000
30 Nov 21	₹16,064
30 Nov 22	₹18,724
30 Nov 23	₹25,483
30 Nov 24	₹37,523
30 Nov 25	₹35,951

DSP India T.I.G.E.R 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 DSP India T.I.G.E.R Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 25

Duration	Returns
1 Month	0.1%
3 Month	-0.8%
6 Month	1.4%
1 Year	-2.7%
3 Year	26.1%
5 Year	27.6%
10 Year
15 Year
Since launch	17.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	32.4%
2023	49%
2022	13.9%
2021	51.6%
2020	2.7%
2019	6.7%
2018	-17.2%
2017	47%
2016	4.1%
2015	0.7%

Fund Manager information for DSP India T.I.G.E.R Fund

Name	Since	Tenure
Rohit Singhania	21 Jun 10	15.46 Yr.

Data below for DSP India T.I.G.E.R Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Industrials	31.28%
Basic Materials	14.28%
Financial Services	11%
Utility	10.18%
Consumer Cyclical	8.97%
Energy	7.34%
Health Care	5.54%
Communication Services	3.04%
Technology	1.8%
Real Estate	1.6%
Consumer Defensive	1.22%

Asset Allocation

Asset Class	Value
Cash	3.74%
Equity	96.26%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 04 \| LT	5%	₹284 Cr	697,669
NTPC Ltd (Utilities) Equity, Since 30 Nov 17 \| NTPC	4%	₹233 Cr	7,145,883
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 31 Dec 24 \| APOLLOHOSP	3%	₹180 Cr	245,928
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 18 \| BHARTIARTL	3%	₹159 Cr	756,154
Kirloskar Oil Engines Ltd (Industrials) Equity, Since 31 Mar 23 \| KIRLOSENG	3%	₹159 Cr	1,412,412
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jan 25 \| POWERGRID	3%	₹150 Cr	5,567,574
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Dec 24 \| AMBER	3%	₹142 Cr	197,265
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 Oct 25 \| HAL	3%	₹139 Cr	305,098 ↑ 112,311
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 31 May 25 \| MCX	3%	₹137 Cr	136,165
Coal India Ltd (Energy) Equity, Since 31 Dec 23 \| COALINDIA	2%	₹125 Cr	3,321,453

7. 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 (₹1,445 Cr).
Established history (16+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 27.58% (lower mid).
3Y return: 30.33% (top quartile).
1Y return: 7.49% (top quartile).
Alpha: -0.45 (lower mid).
Sharpe: 0.06 (top quartile).
Information ratio: -0.49 (bottom quartile).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding State Bank of India (~9.7%).

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund Growth
Launch Date	18 Nov 09
NAV (24 Dec 25)	₹65.19 ↑ 0.17 (0.26 %)
Net Assets (Cr)	₹1,445 on 30 Nov 25
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.14
Sharpe Ratio	0.06
Information Ratio	-0.49
Alpha Ratio	-0.45
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
30 Nov 20	₹10,000
30 Nov 21	₹13,532
30 Nov 22	₹16,574
30 Nov 23	₹21,911
30 Nov 24	₹33,100
30 Nov 25	₹34,463

Invesco India PSU Equity 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 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 24 Dec 25

Duration	Returns
1 Month	0.2%
3 Month	1.8%
6 Month	1.6%
1 Year	7.5%
3 Year	30.3%
5 Year	27.6%
10 Year
15 Year
Since launch	12.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	25.6%
2023	54.5%
2022	20.5%
2021	31.1%
2020	6.1%
2019	10.1%
2018	-16.9%
2017	24.3%
2016	17.9%
2015	2.5%

Fund Manager information for Invesco India PSU Equity Fund

Name	Since	Tenure
Hiten Jain	1 Jul 25	0.42 Yr.
Sagar Gandhi	1 Jul 25	0.42 Yr.

Data below for Invesco India PSU Equity Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Industrials	31.46%
Financial Services	29.47%
Utility	20.02%
Energy	13.28%
Basic Materials	2.92%

Asset Allocation

Asset Class	Value
Cash	2.85%
Equity	97.15%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	10%	₹140 Cr	1,426,314
Bharat Electronics Ltd (Industrials) Equity, Since 31 Mar 17 \| BEL	9%	₹123 Cr	2,997,692
Bharat Petroleum Corp Ltd (Energy) Equity, Since 30 Sep 18 \| BPCL	7%	₹104 Cr	2,901,565
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| INDIANB	7%	₹94 Cr	1,080,618
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| HAL	6%	₹89 Cr	196,158
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	6%	₹83 Cr	8,790,786
NTPC Ltd (Utilities) Equity, Since 31 May 19 \| NTPC	5%	₹66 Cr	2,024,963
Bharat Dynamics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| BDL	4%	₹64 Cr	424,045
Bank of Baroda (Financial Services) Equity, Since 30 Jun 21 \| BANKBARODA	4%	₹61 Cr	2,116,392
Dredging Corp of India Ltd (Industrials) Equity, Since 31 Jul 25 \| DREDGECORP	4%	₹55 Cr	646,300 ↑ 174,490

8. Nippon India Power and Infra Fund

(Erstwhile Reliance Diversified Power Sector Fund)

The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies in the power sector.

Research Highlights for Nippon India Power and Infra Fund

Upper mid AUM (₹7,301 Cr).
Established history (21+ yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 27.37% (bottom quartile).
3Y return: 27.14% (upper mid).
1Y return: -1.00% (lower mid).
Alpha: -12.90 (bottom quartile).
Sharpe: -0.26 (lower mid).
Information ratio: 0.42 (top quartile).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Reliance Industries Ltd (~9.5%).

Below is the key information for Nippon India Power and Infra Fund

Nippon India Power and Infra Fund Growth
Launch Date	8 May 04
NAV (24 Dec 25)	₹345.186 ↓ -0.73 (-0.21 %)
Net Assets (Cr)	₹7,301 on 30 Nov 25
Category	Equity - Sectoral
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.85
Sharpe Ratio	-0.26
Information Ratio	0.42
Alpha Ratio	-12.9
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
30 Nov 20	₹10,000
30 Nov 21	₹15,847
30 Nov 22	₹18,308
30 Nov 23	₹25,579
30 Nov 24	₹36,521
30 Nov 25	₹35,852

Nippon India Power and Infra 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 Nippon India Power and Infra Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 25

Duration	Returns
1 Month	-0.5%
3 Month	-1.9%
6 Month	0%
1 Year	-1%
3 Year	27.1%
5 Year	27.4%
10 Year
15 Year
Since launch	17.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	26.9%
2023	58%
2022	10.9%
2021	48.9%
2020	10.8%
2019	-2.9%
2018	-21.1%
2017	61.7%
2016	0.1%
2015	0.3%

Fund Manager information for Nippon India Power and Infra Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	7.53 Yr.
Rahul Modi	19 Aug 24	1.28 Yr.
Lokesh Maru	5 Sep 25	0.24 Yr.
Divya Sharma	5 Sep 25	0.24 Yr.

Data below for Nippon India Power and Infra Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Industrials	32.74%
Utility	22.88%
Energy	9.92%
Consumer Cyclical	9.2%
Basic Materials	6.97%
Communication Services	6.04%
Technology	4.89%
Real Estate	2.32%
Financial Services	2.26%
Health Care	2.11%

Asset Allocation

Asset Class	Value
Cash	0.65%
Equity	99.35%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 18 \| RELIANCE	10%	₹694 Cr	4,425,000 ↑ 150,000
NTPC Ltd (Utilities) Equity, Since 31 May 09 \| NTPC	8%	₹555 Cr	17,000,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 18 \| BHARTIARTL	6%	₹441 Cr	2,100,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 07 \| LT	6%	₹433 Cr	1,064,337 ↓ -50,000
Tata Power Co Ltd (Utilities) Equity, Since 30 Apr 23 \| TATAPOWER	4%	₹308 Cr	7,900,789
Bharat Heavy Electricals Ltd (Industrials) Equity, Since 30 Sep 24 \| BHEL	3%	₹233 Cr	8,000,838 ↓ -1,300,000
CG Power & Industrial Solutions Ltd (Industrials) Equity, Since 30 Sep 24 \| CGPOWER	3%	₹203 Cr	3,020,014
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Oct 19 \| ULTRACEMCO	3%	₹197 Cr	170,000
Bharat Forge Ltd (Consumer Cyclical) Equity, Since 31 Oct 24 \| BHARATFORG	2%	₹169 Cr	1,179,635
Kaynes Technology India Ltd (Technology) Equity, Since 30 Nov 22 \| KAYNES	2%	₹165 Cr	300,113 ↑ 50,000

9. Bandhan Infrastructure Fund

The investment objective of the scheme is to seek to generate long-term capital growth through an active diversified portfolio of predominantly equity and equity related instruments of companies that are participating in and benefiting from growth in Indian infrastructure and infrastructural related activities. However, there can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for Bandhan Infrastructure Fund

Bottom quartile AUM (₹1,566 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: High.
5Y return: 27.25% (bottom quartile).
3Y return: 26.65% (lower mid).
1Y return: -6.11% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.40 (bottom quartile).
Information ratio: 0.00 (lower mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding Larsen & Toubro Ltd (~5.3%).

Below is the key information for Bandhan Infrastructure Fund

Bandhan Infrastructure Fund Growth
Launch Date	8 Mar 11
NAV (24 Dec 25)	₹48.286 ↓ -0.02 (-0.05 %)
Net Assets (Cr)	₹1,566 on 30 Nov 25
Category	Equity - Sectoral
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	2.1
Sharpe Ratio	-0.4
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹17,586
30 Nov 22	₹18,616
30 Nov 23	₹25,550
30 Nov 24	₹38,310
30 Nov 25	₹35,897

Bandhan 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 Bandhan 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 24 Dec 25

Duration	Returns
1 Month	-0.8%
3 Month	-3.6%
6 Month	-4%
1 Year	-6.1%
3 Year	26.7%
5 Year	27.3%
10 Year
15 Year
Since launch	11.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	39.3%
2023	50.3%
2022	1.7%
2021	64.8%
2020	6.3%
2019	-5.3%
2018	-25.9%
2017	58.7%
2016	10.7%
2015	-0.2%

Fund Manager information for Bandhan Infrastructure Fund

Name	Since	Tenure
Vishal Biraia	24 Jan 24	1.85 Yr.
Ritika Behera	7 Oct 23	2.15 Yr.
Gaurav Satra	7 Jun 24	1.48 Yr.

Data below for Bandhan Infrastructure Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Industrials	53.33%
Utility	12.43%
Basic Materials	7.51%
Communication Services	4.68%
Energy	4.48%
Technology	4.12%
Financial Services	2.76%
Health Care	2.6%
Real Estate	1.38%
Consumer Cyclical	0.97%

Asset Allocation

Asset Class	Value
Cash	5.75%
Equity	94.25%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 29 Feb 12 \| LT	5%	₹83 Cr	204,050
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 19 \| BHARTIARTL	5%	₹73 Cr	348,551
Kirloskar Brothers Ltd (Industrials) Equity, Since 31 Dec 17 \| KIRLOSBROS	5%	₹72 Cr	426,772
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 24 \| RELIANCE	4%	₹70 Cr	447,851
Bharat Electronics Ltd (Industrials) Equity, Since 31 Oct 19 \| BEL	4%	₹58 Cr	1,416,343
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Mar 14 \| ULTRACEMCO	4%	₹57 Cr	49,239
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Aug 24 \| INDIGO	3%	₹53 Cr	89,351 ↑ 6,363
GPT Infraprojects Ltd (Industrials) Equity, Since 30 Nov 17 \| GPTINFRA	3%	₹51 Cr	4,733,244
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 Dec 23 \| ADANIPORTS	3%	₹46 Cr	303,494
Ahluwalia Contracts (India) Ltd (Industrials) Equity, Since 30 Apr 15 \| AHLUCONT	3%	₹46 Cr	457,644

10. Canara Robeco Infrastructure

T o g e n e r a t e income/capital appreciation by investing in equities and equity related instruments of companies in the infrastructure sector. However, there can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for Canara Robeco Infrastructure

Bottom quartile AUM (₹916 Cr).
Established history (20+ yrs).
Not Rated.
Risk profile: High.
5Y return: 27.25% (bottom quartile).
3Y return: 25.28% (bottom quartile).
1Y return: -0.08% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.13 (upper mid).
Information ratio: 0.00 (bottom quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding Larsen & Toubro Ltd (~9.9%).

Below is the key information for Canara Robeco Infrastructure

Canara Robeco Infrastructure Growth
Launch Date	2 Dec 05
NAV (24 Dec 25)	₹157.86 ↓ -0.31 (-0.20 %)
Net Assets (Cr)	₹916 on 30 Nov 25
Category	Equity - Sectoral
AMC	Canara Robeco Asset Management Co. Ltd.
Rating	Not Rated
Risk	High
Expense Ratio	2.32
Sharpe Ratio	-0.13
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
30 Nov 20	₹10,000
30 Nov 21	₹16,180
30 Nov 22	₹18,616
30 Nov 23	₹23,198
30 Nov 24	₹35,257
30 Nov 25	₹35,720

Canara Robeco Infrastructure 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 Canara Robeco Infrastructure

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 25

Duration	Returns
1 Month	-1.7%
3 Month	-3.3%
6 Month	-1.2%
1 Year	-0.1%
3 Year	25.3%
5 Year	27.3%
10 Year
15 Year
Since launch	14.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	35.3%
2023	41.2%
2022	9%
2021	56.1%
2020	9%
2019	2.3%
2018	-19.1%
2017	40.2%
2016	2.1%
2015	6.7%

Fund Manager information for Canara Robeco Infrastructure

Name	Since	Tenure
Vishal Mishra	26 Jun 21	4.44 Yr.
Shridatta Bhandwaldar	29 Sep 18	7.18 Yr.

Data below for Canara Robeco Infrastructure as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Industrials	45.45%
Utility	11.55%
Energy	8.72%
Basic Materials	8.65%
Financial Services	7.34%
Technology	6.43%
Communication Services	3.13%
Consumer Cyclical	2.94%
Real Estate	1.22%

Asset Allocation

Asset Class	Value
Cash	4.57%
Equity	95.43%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 28 Feb 11 \| LT	10%	₹91 Cr	222,901 ↓ -5,000
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 22 \| RELIANCE	5%	₹44 Cr	279,250
State Bank of India (Financial Services) Equity, Since 31 Jul 24 \| SBIN	5%	₹43 Cr	442,500
Bharat Electronics Ltd (Industrials) Equity, Since 31 Jul 19 \| BEL	4%	₹36 Cr	869,000
NTPC Ltd (Utilities) Equity, Since 30 Nov 18 \| NTPC	4%	₹35 Cr	1,066,480
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Jan 23 \| INDIGO	4%	₹34 Cr	58,250
Tata Power Co Ltd (Utilities) Equity, Since 30 Sep 24 \| TATAPOWER	3%	₹31 Cr	785,000
GE Vernova T&D India Ltd (Industrials) Equity, Since 31 Jan 24 \| GVT&D	3%	₹30 Cr	105,185
Bharti Airtel Ltd (Communication Services) Equity, Since 31 May 24 \| BHARTIARTL	3%	₹29 Cr	136,600
CG Power & Industrial Solutions Ltd (Industrials) Equity, Since 31 Oct 23 \| CGPOWER	3%	₹28 Cr	413,150

মিউচুয়াল ফান্ড এসআইপি অনলাইনে কীভাবে বিনিয়োগ করবেন?

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আপনার রেজিস্ট্রেশন এবং KYC প্রক্রিয়া সম্পূর্ণ করুন

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।