+91-22-48913909কীভাবে এনআরআইরা ভারতে মিউচুয়াল ফান্ডে বিনিয়োগ করতে পারে?
যৌথ পুঁজি অনাবাসী ভারতীয়দের (এনআরআই) সুবিধা অর্জন করতে এবং জাতির বৃদ্ধিতে অংশগ্রহণ করার জন্য এটি ভাল বিনিয়োগের বিকল্প। এনআরআইরা তাদের মতে মিউচুয়াল ফান্ড স্কিমগুলির একটি হোস্টে বিনিয়োগ করতে পারেআর্থিক লক্ষ্য এবং উদ্দেশ্য। মিউচুয়াল ফান্ডগুলি বিনিয়োগের পোর্টফোলিওকে বৈচিত্র্যময় করার এবং সময়ের সাথে সাথে সর্বোত্তম আয় উপার্জন করার একটি দুর্দান্ত বিকল্প। যাইহোক, ভারতে মিউচুয়াল ফান্ডে বিনিয়োগ শুরু করার জন্য একজন এনআরআইকে অনুসরণ করতে হবে এমন কিছু গুরুত্বপূর্ণ নির্দেশিকা ও নিয়ম রয়েছে।
এনআরআইদের জন্য মিউচুয়াল ফান্ডে বিনিয়োগ
প্রতিমিউচুয়াল ফান্ডে বিনিয়োগ করুন ভারতে একজন ভারতীয়র সাথে নিম্নলিখিত অ্যাকাউন্টগুলির যে কোনও একটি খোলার কথাব্যাংক:
এনআরই অ্যাকাউন্ট
এটি অনাবাসিক বহিরাগত (NRE) অ্যাকাউন্ট যা সঞ্চয়, বর্তমান, স্থায়ী বাপুনরাবৃত্ত আমানত. আপনাকে এই অ্যাকাউন্টে বৈদেশিক মুদ্রা জমা করতে হবে। ভারতীয় মুদ্রা জমা করতে, আপনাকে অবশ্যই NRO অ্যাকাউন্ট খুলতে হবে। একটি এনআরই অ্যাকাউন্টে লেনদেনের পরিমাণের কোনও উচ্চ সীমা নেই।
এনআরও অ্যাকাউন্ট
এনআরও বা অনাবাসী সাধারণ অ্যাকাউন্টটি সঞ্চয় বা চলতি অ্যাকাউন্টের আকারে যা এনআরআইদের জন্য তাদের পরিচালনা করার জন্যআয় ভারতে অর্জিত। NRO অ্যাকাউন্টে, বিদেশী মুদ্রা জমা হওয়ার পরে ভারতীয় রুপিতে রূপান্তরিত হয়। একটি NRO অ্যাকাউন্ট অন্য NRI এবং সেইসাথে আবাসিক ভারতীয় (ঘনিষ্ঠ আত্মীয়দের) সাথে যৌথভাবে রাখা যেতে পারে।
FCNR অ্যাকাউন্ট
এর অর্থ হল বৈদেশিক মুদ্রা অ-প্রত্যাবর্তনযোগ্য অ্যাকাউন্ট আমানত। এই অ্যাকাউন্টে, এনআরআইরা তাদের টাকা পাঠাতে পারেআয় কানাডিয়ান $, US$, ইউরো, AU$, ইয়েন এবং পাউন্ডের মতো ছয়টি মুদ্রার একটিতে। অন্যান্য FCNR বা NRE অ্যাকাউন্ট থেকে তহবিল স্থানান্তর করা যেতে পারে। FCNR-এ, মূল এবং সুদ কোনো কর জমা করে না।
একবার আপনি এই অ্যাকাউন্টগুলির যে কোনও একটি খুললে, আপনাকে KYC নিয়মের অধীনে আপনার KYC (আপনার গ্রাহককে জানুন) সফলভাবে সম্পূর্ণ করতে হবে, যা দ্বারা সেট করা হয়েছেসেবি (ভারতীয় সিকিউরিটিজ এক্সচেঞ্জ বোর্ড)। কেউ SEBI-নিবন্ধিত মধ্যবর্তী যেকোনো একটির সাথে তাদের KYC সম্পূর্ণ করতে পারে।
মিউচুয়াল ফান্ডে বিনিয়োগের জন্য এনআরআইদের জন্য কেওয়াইসি পদ্ধতি
আপনার কেওয়াইসি পদ্ধতি সফলভাবে সম্পূর্ণ করার জন্য, এনআরআইদের কিছু গুরুত্বপূর্ণ পদক্ষেপগুলি সম্পূর্ণ করতে হবে এবং নথিপত্র সরবরাহ করতে হবে যেমন:
ক কেওয়াইসি ফর্ম
একজন এনআরআই জমা দিতে হবেকেওয়াইসি ফর্ম SEBI নিবন্ধিত ইন্টারমিডিয়েটে পূরণ করা সমস্ত প্রয়োজনীয় বিবরণ সহ। নথিগুলি ইন্টারমিডিয়েটে কুরিয়ার/ডাক দ্বারা পাঠানো যেতে পারে।
খ. নথিপত্র
নিম্নলিখিত প্রয়োজনীয় নথিগুলি জমা দিতে হবে:
- বিদেশী ঠিকানা প্রমাণ
- ভারতীয় বাসিন্দা ঠিকানা প্রমাণ
- সাম্প্রতিক একটি ছবি
- পাসপোর্টের অনুলিপি
মার্চেন্ট নেভিতে এনআরআইদের ক্ষেত্রে, একটি মেরিনারের ঘোষণা বা অবিচ্ছিন্ন ডিসচার্জ সার্টিফিকেটের প্রত্যয়িত অনুলিপি জমা দিতে হবে।
বনাম সনদপত্র
এনআরআই বা পিআইও (ভারতীয় বংশোদ্ভূত ব্যক্তি) উপরোক্ত নথিগুলি ভারতে নিবন্ধিত তফসিলি বাণিজ্যিক ব্যাঙ্কগুলির বিদেশী শাখাগুলির অনুমোদিত কর্মকর্তা, বিচারক, আদালতের ম্যাজিস্ট্রেট, পাবলিক নোটারি বা দেশের ভারতীয় দূতাবাস/কনস্যুলেট জেনারেলের দ্বারা সত্যায়িত করতে পারেন যে তারা অবস্থিত.
d ব্যক্তিগত যাচাইকরণে (আইপিভি)
SEBI নিয়ম অনুযায়ী, KYC প্রক্রিয়ার জন্য IPV বাধ্যতামূলক। মধ্যবর্তীদের এনআরআই/পিআইওদের আইপিভি পরিচালনা করা উচিত।
দয়া করে মনে রাখবেন যে জমা দেওয়ার সময় উপরের সমস্ত নথি/প্রমাণ ইংরেজি ভাষায় হওয়া উচিত।
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এনআরআই মিউচুয়াল ফান্ড ট্যাক্সেশন
মূলধন আর্থিক বছর 2017-18 (অ্যাসেসমেন্ট ইয়ার 2018-19) জন্য NRI মিউচুয়াল ফান্ড বিনিয়োগের উপর লাভ করের হার নিম্নরূপ:
NRI মিউচুয়াল ফান্ডের উপর কর আরোপ-মূলধন লাভ করের হার- FY 2017/2018 (AY- 2018-19)
| মিউচুয়াল ফান্ড স্কিমের প্রকারভেদ | স্বল্পমেয়াদী মূলধন লাভ (STCG) | দীর্ঘমেয়াদী মূলধন লাভ (LTCG) |
|---|---|---|
| ইক্যুইটি ফান্ড- STCG- এক বছরের কম বা সমান অনুষ্ঠিত হয়, LTCG- এক বছরের বেশি অনুষ্ঠিত হয় | 15% | শূন্য |
| নন-ইক্যুইটি ফান্ড- STCG- ইউনিট 3 বছর বা তার কম ধরে, LTCG- ইউনিট 3 বছরের বেশি ধরে | ব্যক্তির মতেআয়কর বন্ধনী | তালিকাভুক্ত তহবিলে - 20% (সূচীকরণ সহ), তালিকাভুক্ত তহবিল- 10% (সূচিপত্র ছাড়া) |
লভ্যাংশের উপর মিউচুয়াল ফান্ড ট্যাক্সেশন
ইক্যুইটি ফান্ডে লভ্যাংশ: ইক্যুইটি ফান্ডের জন্য ইউনিট হোল্ডারের হাতে প্রাপ্ত লভ্যাংশ সম্পূর্ণ করমুক্ত। লভ্যাংশও করমুক্তএএমসি.
ঋণ তহবিল লভ্যাংশ: AMC কে তার ইউনিট-হোল্ডারদের এই লভ্যাংশ আয় বিতরণ করার আগে 28.84% এর একটি লভ্যাংশ বন্টন কর (DDT) দিতে হবে। একটি দ্বারা প্রাপ্ত লভ্যাংশ আয়ঋণ তহবিল ইউনিট ধারকও করমুক্ত।
AY 2018-19-এর জন্য NRI-দের দ্বারা MF রিডেম্পশনের উপর প্রযোজ্য TDS হার নীচে দেওয়া হল।
মিউচুয়াল ফান্ডের উপর NRI ট্যাক্সেশন- ক্যাপিটাল গেইন ট্যাক্স রেট- FY 2017/2018 (AY- 2018-19)
| এনআরআই এবং টিডিএস রেট দ্বারা মিউচুয়াল ফান্ড রিডিমশন | STCG এবং TDS হার | এলটিসিজি এবং টিডিএস রেট |
|---|---|---|
| এমএফ স্কিমের প্রকার | ||
| ইক্যুইটি ওরিয়েন্টেড ফান্ড | 15% | শূন্য |
| ঋণ তহবিল | 30% | তালিকাভুক্ত তহবিলে- 20% (সূচিপত্র সহ), তালিকাভুক্ত তহবিল- 10% (সূচিপত্র ছাড়া) |
ইউএস/কানাডা ছাড়া এনআরআইদের জন্য সেরা পারফর্মিং মিউচুয়াল ফান্ড
Fund 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Sub Cat. DSP World Gold Fund Growth 62.3 110.3 200.3 55 29.9 167.1 Global Franklin India Short Term Income Plan - Retail Plan Growth 192.1 192.1 192.1 47.3 32.5 Short term Bond SBI Gold Fund Growth 40.7 65.7 100.8 40.5 25.9 71.5 Gold ICICI Prudential Regular Gold Savings Fund Growth 40.6 66 100.7 40.5 25.8 72 Gold Axis Gold Fund Growth 41.8 66 100 40.4 25.9 69.8 Gold Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Jan 26 Research Highlights & Commentary of 5 Funds showcased
Commentary DSP World Gold Fund Franklin India Short Term Income Plan - Retail Plan SBI Gold Fund ICICI Prudential Regular Gold Savings Fund Axis Gold Fund Point 1 Bottom quartile AUM (₹1,756 Cr). Bottom quartile AUM (₹13 Cr). Highest AUM (₹10,775 Cr). Upper mid AUM (₹4,482 Cr). Lower mid AUM (₹2,167 Cr). Point 2 Established history (18+ yrs). Oldest track record among peers (24 yrs). Established history (14+ yrs). Established history (14+ yrs). Established history (14+ yrs). Point 3 Top rated. Rating: 2★ (upper mid). Rating: 2★ (lower mid). Rating: 1★ (bottom quartile). Rating: 1★ (bottom quartile). Point 4 Risk profile: High. Risk profile: Moderate. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 29.86% (upper mid). 1Y return: 192.10% (upper mid). 5Y return: 25.89% (bottom quartile). 5Y return: 25.84% (bottom quartile). 5Y return: 25.94% (lower mid). Point 6 3Y return: 55.00% (top quartile). 1M return: 192.10% (top quartile). 3Y return: 40.54% (lower mid). 3Y return: 40.48% (bottom quartile). 3Y return: 40.42% (bottom quartile). Point 7 1Y return: 200.31% (top quartile). Sharpe: -90.89 (bottom quartile). 1Y return: 100.84% (lower mid). 1Y return: 100.74% (bottom quartile). 1Y return: 100.03% (bottom quartile). Point 8 Alpha: 1.32 (top quartile). Information ratio: -2.42 (bottom quartile). 1M return: 19.08% (bottom quartile). 1M return: 19.14% (bottom quartile). 1M return: 19.43% (lower mid). Point 9 Sharpe: 3.42 (bottom quartile). Yield to maturity (debt): 0.00% (upper mid). Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Point 10 Information ratio: -0.67 (bottom quartile). Modified duration: 0.00 yrs (upper mid). Sharpe: 4.38 (top quartile). Sharpe: 4.33 (lower mid). Sharpe: 4.36 (upper mid). DSP World Gold Fund
Franklin India Short Term Income Plan - Retail Plan
SBI Gold Fund
ICICI Prudential Regular Gold Savings Fund
Axis Gold Fund
*তহবিলের তালিকা বিগত 3 বছরের রিটার্নের উপর ভিত্তি করে নিম্নক্রম অনুসারে।
"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." Below is the key information for DSP World Gold Fund Returns up to 1 year are on The objective of the Scheme is to provide investors stable returns by investing in fixed income securities. Research Highlights for Franklin India Short Term Income Plan - Retail Plan Below is the key information for Franklin India Short Term Income Plan - Retail Plan Returns up to 1 year are on 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 Below is the key information for SBI Gold Fund Returns up to 1 year are on ICICI Prudential Regular Gold Savings Fund (the Scheme) is a fund of funds scheme with the primary objective to generate returns by investing in units of ICICI Prudential Gold Exchange Traded Fund (IPru Gold ETF).
However, there can be no assurance that the investment objectives of the Scheme will be realized. Research Highlights for ICICI Prudential Regular Gold Savings Fund Below is the key information for ICICI Prudential Regular Gold Savings Fund Returns up to 1 year are on To generate returns that closely correspond to returns generated by Axis Gold ETF. Research Highlights for Axis Gold Fund Below is the key information for Axis Gold Fund Returns up to 1 year are on 1. DSP World Gold Fund
DSP World Gold Fund
Growth Launch Date 14 Sep 07 NAV (27 Jan 26) ₹66.1226 ↑ 0.58 (0.89 %) 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 Returns for DSP World Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jan 26 Duration Returns 1 Month 20.8% 3 Month 62.3% 6 Month 110.3% 1 Year 200.3% 3 Year 55% 5 Year 29.9% 10 Year 15 Year Since launch 10.8% 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
- | GDX25% ₹442 Cr 573,719 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -2% ₹28 Cr Net Receivables/Payables
Net Current Assets | -0% -₹8 Cr 2. Franklin India Short Term Income Plan - Retail Plan
Franklin India Short Term Income Plan - Retail Plan
Growth Launch Date 31 Jan 02 NAV (02 May 25) ₹15,041.3 ↑ 0.11 (0.00 %) Net Assets (Cr) ₹13 on 31 Mar 25 Category Debt - Short term Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆ Risk Moderate Expense Ratio 0 Sharpe Ratio -90.89 Information Ratio -2.42 Alpha Ratio -6.74 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (0.5%),1 Years and above(NIL) Yield to Maturity 0% Effective Maturity Modified Duration Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹11,501 31 Dec 22 ₹12,490 31 Dec 23 ₹13,354 31 Dec 24 ₹13,354
Purchase not allowed Returns for Franklin India Short Term Income Plan - Retail Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jan 26 Duration Returns 1 Month 192.1% 3 Month 192.1% 6 Month 192.1% 1 Year 192.1% 3 Year 47.3% 5 Year 32.5% 10 Year 15 Year Since launch 12.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Fund Manager information for Franklin India Short Term Income Plan - Retail Plan
Name Since Tenure Data below for Franklin India Short Term Income Plan - Retail Plan as on 31 Mar 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 3. SBI Gold Fund
SBI Gold Fund
Growth Launch Date 12 Sep 11 NAV (28 Jan 26) ₹47.8823 ↑ 1.60 (3.46 %) 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 Returns for SBI Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 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 4. ICICI Prudential Regular Gold Savings Fund
ICICI Prudential Regular Gold Savings Fund
Growth Launch Date 11 Oct 11 NAV (28 Jan 26) ₹50.7787 ↑ 1.76 (3.59 %) Net Assets (Cr) ₹4,482 on 31 Dec 25 Category Gold - Gold AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderately High Expense Ratio 0.38 Sharpe Ratio 4.33 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-15 Months (2%),15 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹9,461 31 Dec 22 ₹10,666 31 Dec 23 ₹12,108 31 Dec 24 ₹14,470 31 Dec 25 ₹24,881 Returns for ICICI Prudential Regular Gold Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jan 26 Duration Returns 1 Month 19.1% 3 Month 40.6% 6 Month 66% 1 Year 100.7% 3 Year 40.5% 5 Year 25.8% 10 Year 15 Year Since launch 12% Historical performance (Yearly) on absolute basis
Year Returns 2024 72% 2023 19.5% 2022 13.5% 2021 12.7% 2020 -5.4% 2019 26.6% 2018 22.7% 2017 7.4% 2016 0.8% 2015 8.9% Fund Manager information for ICICI Prudential Regular Gold Savings Fund
Name Since Tenure Manish Banthia 27 Sep 12 13.27 Yr. Nishit Patel 29 Dec 20 5.01 Yr. Ashwini Bharucha 1 Nov 25 0.17 Yr. Venus Ahuja 1 Nov 25 0.17 Yr. Data below for ICICI Prudential Regular Gold Savings Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 1.46% Other 98.54% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Pru Gold ETF
- | -100% ₹4,479 Cr 391,858,244
↑ 23,365,770 Treps
CBLO/Reverse Repo | -2% ₹73 Cr Net Current Assets
Net Current Assets | -2% -₹70 Cr 5. Axis Gold Fund
Axis Gold Fund
Growth Launch Date 20 Oct 11 NAV (28 Jan 26) ₹47.7754 ↑ 1.75 (3.80 %) 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 Returns for Axis Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 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
ইউএস/কানাডা থেকে এনআরআইদের জন্য সেরা পারফর্মিং মিউচুয়াল ফান্ড
Fund 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Sub Cat. Sundaram Mid Cap Fund Growth -3.9 1.4 13.5 24.6 21.5 4.1 Mid Cap UTI Transportation & Logistics Fund Growth -4.8 7.3 19.7 23.7 20.1 19.5 Sectoral UTI Healthcare Fund Growth -7.5 -9.1 3.7 22.8 14.3 -3.1 Sectoral UTI Core Equity Fund Growth 0 3.7 12.9 22.1 21 7.4 Large & Mid Cap Sundaram Infrastructure Advantage Fund Growth -4.5 -1 10.8 21.7 21.9 4.1 Sectoral 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 5 Funds showcased
Commentary Sundaram Mid Cap Fund UTI Transportation & Logistics Fund UTI Healthcare Fund UTI Core Equity Fund Sundaram Infrastructure Advantage Fund Point 1 Highest AUM (₹13,293 Cr). Lower mid AUM (₹4,084 Cr). Bottom quartile AUM (₹1,102 Cr). Upper mid AUM (₹5,635 Cr). Bottom quartile AUM (₹947 Cr). Point 2 Established history (23+ yrs). Established history (21+ yrs). Oldest track record among peers (26 yrs). Established history (16+ yrs). Established history (20+ yrs). Point 3 Top rated. Rating: 3★ (upper mid). Rating: 1★ (bottom quartile). Rating: 3★ (lower mid). Not Rated. Point 4 Risk profile: Moderately High. Risk profile: High. Risk profile: High. Risk profile: Moderately High. Risk profile: High. Point 5 5Y return: 21.52% (upper mid). 5Y return: 20.12% (bottom quartile). 5Y return: 14.35% (bottom quartile). 5Y return: 21.02% (lower mid). 5Y return: 21.89% (top quartile). Point 6 3Y return: 24.63% (top quartile). 3Y return: 23.65% (upper mid). 3Y return: 22.76% (lower mid). 3Y return: 22.12% (bottom quartile). 3Y return: 21.68% (bottom quartile). Point 7 1Y return: 13.48% (upper mid). 1Y return: 19.74% (top quartile). 1Y return: 3.68% (bottom quartile). 1Y return: 12.88% (lower mid). 1Y return: 10.78% (bottom quartile). Point 8 Alpha: -1.77 (bottom quartile). Alpha: 0.00 (top quartile). Alpha: -0.86 (lower mid). Alpha: -0.64 (upper mid). Alpha: -9.98 (bottom quartile). Point 9 Sharpe: -0.01 (bottom quartile). Sharpe: 0.90 (top quartile). Sharpe: -0.48 (bottom quartile). Sharpe: 0.15 (upper mid). Sharpe: 0.00 (lower mid). Point 10 Information ratio: 0.13 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: -0.16 (bottom quartile). Information ratio: 0.92 (top quartile). Information ratio: -0.15 (bottom quartile). Sundaram Mid Cap Fund
UTI Transportation & Logistics Fund
UTI Healthcare Fund
UTI Core Equity Fund
Sundaram Infrastructure Advantage Fund
*তহবিলের তালিকা বিগত 3 বছরের রিটার্নের উপর ভিত্তি করে নিম্নক্রম অনুসারে।
(Erstwhile Sundaram Select Midcap Fund) To achieve capital appreciation by investing
in diversified stocks that are generally termed
as mid-caps. Research Highlights for Sundaram Mid Cap Fund Below is the key information for Sundaram Mid Cap Fund Returns up to 1 year are on Investment Objective is “capital appreciation” through investments in stocks of the companies engaged in the transportation and logistics sector. Research Highlights for UTI Transportation & Logistics Fund Below is the key information for UTI Transportation & Logistics Fund Returns up to 1 year are on (Erstwhile UTI Pharma & Healthcare Fund) The Investment objective of the Scheme is capital appreciation through investments in equities and equity related instruments of the Pharma & Healthcare sectors. Research Highlights for UTI Healthcare Fund Below is the key information for UTI Healthcare Fund Returns up to 1 year are on (Erstwhile UTI Top 100 Fund) The fund aims to provide long term capital appreciation/dividend distribution by investing predominantly in equity and equity related instruments of top 100 stocks by market capitalisation. There can be no assurance that the investment objectives of the scheme will be realised. Research Highlights for UTI Core Equity Fund Below is the key information for UTI Core Equity Fund Returns up to 1 year are on To generate consistent long-term returns by
investing predominantly in
equity/equity-related instruments of
companies engaged either directly or
indirectly in infrastructure- and infrastructure
related activities or expected to benefit from
the growth and development of infrastructure Research Highlights for Sundaram Infrastructure Advantage Fund Below is the key information for Sundaram Infrastructure Advantage Fund Returns up to 1 year are on 1. Sundaram Mid Cap Fund
Sundaram Mid Cap Fund
Growth Launch Date 30 Jul 02 NAV (28 Jan 26) ₹1,381.72 ↑ 20.69 (1.52 %) Net Assets (Cr) ₹13,293 on 31 Dec 25 Category Equity - Mid Cap AMC Sundaram Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.75 Sharpe Ratio -0.01 Information Ratio 0.13 Alpha Ratio -1.77 Min Investment 5,000 Min SIP Investment 100 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 ₹13,749 31 Dec 22 ₹14,414 31 Dec 23 ₹20,231 31 Dec 24 ₹26,707 31 Dec 25 ₹27,800 Returns for Sundaram Mid Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26 Duration Returns 1 Month -3.4% 3 Month -3.9% 6 Month 1.4% 1 Year 13.5% 3 Year 24.6% 5 Year 21.5% 10 Year 15 Year Since launch 23.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 4.1% 2023 32% 2022 40.4% 2021 4.8% 2020 37.5% 2019 11.8% 2018 -0.3% 2017 -15.4% 2016 40.8% 2015 11.3% Fund Manager information for Sundaram Mid Cap Fund
Name Since Tenure S. Bharath 24 Feb 21 4.85 Yr. Ratish Varier 24 Feb 21 4.85 Yr. Data below for Sundaram Mid Cap Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Financial Services 22.43% Consumer Cyclical 15.55% Industrials 14.51% Basic Materials 9.84% Health Care 9.78% Consumer Defensive 6.25% Technology 6.11% Real Estate 3.8% Utility 2.45% Communication Services 2.41% Energy 2.31% Asset Allocation
Asset Class Value Cash 4.54% Equity 95.44% Other 0% Top Securities Holdings / Portfolio
Name Holding Value Quantity Cummins India Ltd (Industrials)
Equity, Since 31 Dec 17 | 5004804% ₹513 Cr 1,157,021
↓ -80,512 Mahindra & Mahindra Financial Services Ltd (Financial Services)
Equity, Since 31 Jan 24 | M&MFIN3% ₹465 Cr 11,544,032
↓ -299,671 Coromandel International Ltd (Basic Materials)
Equity, Since 30 Nov 10 | 5063953% ₹392 Cr 1,730,022
↓ -1,179 GE Vernova T&D India Ltd (Industrials)
Equity, Since 30 Sep 24 | 5222753% ₹363 Cr 1,158,576 IDFC First Bank Ltd (Financial Services)
Equity, Since 30 Jun 25 | IDFCFIRSTB2% ₹325 Cr 37,978,844 The Federal Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | FEDERALBNK2% ₹317 Cr 11,865,970 Hindustan Petroleum Corp Ltd (Energy)
Equity, Since 31 Oct 21 | HINDPETRO2% ₹307 Cr 6,144,382 Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 31 Mar 21 | KALYANKJIL2% ₹287 Cr 5,916,197
↑ 274,462 Marico Ltd (Consumer Defensive)
Equity, Since 30 Jun 24 | 5316422% ₹275 Cr 3,663,821
↑ 3,467 PB Fintech Ltd (Financial Services)
Equity, Since 31 Mar 23 | 5433902% ₹268 Cr 1,468,580 2. UTI Transportation & Logistics Fund
UTI Transportation & Logistics Fund
Growth Launch Date 11 Apr 04 NAV (28 Jan 26) ₹281.694 ↑ 2.77 (0.99 %) Net Assets (Cr) ₹4,084 on 31 Dec 25 Category Equity - Sectoral AMC UTI Asset Management Company Ltd Rating ☆☆☆ Risk High Expense Ratio 1.93 Sharpe Ratio 0.9 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 ₹12,434 31 Dec 22 ₹14,261 31 Dec 23 ₹19,972 31 Dec 24 ₹23,705 31 Dec 25 ₹28,333 Returns for UTI Transportation & Logistics Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26 Duration Returns 1 Month -3.8% 3 Month -4.8% 6 Month 7.3% 1 Year 19.7% 3 Year 23.7% 5 Year 20.1% 10 Year 15 Year Since launch 16.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 19.5% 2023 18.7% 2022 40.1% 2021 14.7% 2020 24.3% 2019 11% 2018 -8.7% 2017 -19.5% 2016 39.6% 2015 4.8% Fund Manager information for UTI Transportation & Logistics Fund
Name Since Tenure Sachin Trivedi 22 Sep 16 9.28 Yr. Data below for UTI Transportation & Logistics Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Consumer Cyclical 82.23% Industrials 13.93% Asset Allocation
Asset Class Value Cash 3.67% Equity 96.16% Debt 0.13% Top Securities Holdings / Portfolio
Name Holding Value Quantity Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 30 Apr 04 | M&M15% ₹612 Cr 1,649,386 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 30 Apr 04 | MARUTI11% ₹432 Cr 258,455 Eicher Motors Ltd (Consumer Cyclical)
Equity, Since 30 Nov 08 | EICHERMOT10% ₹390 Cr 532,652 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Jul 21 | 5433206% ₹236 Cr 8,494,093 Bajaj Auto Ltd (Consumer Cyclical)
Equity, Since 30 Apr 18 | 5329776% ₹234 Cr 250,855
↑ 38,351 InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 May 18 | INDIGO5% ₹200 Cr 395,767
↑ 37,832 Hero MotoCorp Ltd (Consumer Cyclical)
Equity, Since 31 Mar 12 | HEROMOTOCO5% ₹189 Cr 327,739 Hyundai Motor India Ltd (Consumer Cyclical)
Equity, Since 31 Oct 24 | HYUNDAI4% ₹163 Cr 711,342 Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 May 13 | ADANIPORTS4% ₹158 Cr 1,076,157 TVS Motor Co Ltd (Consumer Cyclical)
Equity, Since 30 Sep 19 | 5323434% ₹150 Cr 403,430 3. UTI Healthcare Fund
UTI Healthcare Fund
Growth Launch Date 28 Jun 99 NAV (28 Jan 26) ₹269.592 ↑ 0.61 (0.23 %) Net Assets (Cr) ₹1,102 on 31 Dec 25 Category Equity - Sectoral AMC UTI Asset Management Company Ltd Rating ☆ Risk High Expense Ratio 2.26 Sharpe Ratio -0.48 Information Ratio -0.16 Alpha Ratio -0.86 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 ₹11,908 31 Dec 22 ₹10,441 31 Dec 23 ₹14,430 31 Dec 24 ₹20,614 31 Dec 25 ₹19,965 Returns for UTI Healthcare Fund
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 -7.5% 6 Month -9.1% 1 Year 3.7% 3 Year 22.8% 5 Year 14.3% 10 Year 15 Year Since launch 14.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 -3.1% 2023 42.9% 2022 38.2% 2021 -12.3% 2020 19.1% 2019 67.4% 2018 1.2% 2017 -7.5% 2016 6.2% 2015 -9.7% Fund Manager information for UTI Healthcare Fund
Name Since Tenure Kamal Gada 2 May 22 3.67 Yr. Data below for UTI Healthcare Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Health Care 98.42% Basic Materials 0.98% Asset Allocation
Asset Class Value Cash 0.6% Equity 99.4% Top Securities Holdings / Portfolio
Name Holding Value Quantity Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Oct 06 | SUNPHARMA9% ₹103 Cr 600,000 Ajanta Pharma Ltd (Healthcare)
Equity, Since 31 Jul 17 | 5323317% ₹79 Cr 285,000 Lupin Ltd (Healthcare)
Equity, Since 28 Feb 25 | 5002576% ₹62 Cr 294,991
↓ -24,579 Glenmark Pharmaceuticals Ltd (Healthcare)
Equity, Since 31 Mar 24 | 5322964% ₹45 Cr 220,000
↓ -15,028 Gland Pharma Ltd (Healthcare)
Equity, Since 30 Nov 20 | GLAND4% ₹40 Cr 230,000
↑ 8,838 Procter & Gamble Health Ltd (Healthcare)
Equity, Since 31 Dec 20 | PGHL3% ₹38 Cr 66,803
↓ -211 Dr Reddy's Laboratories Ltd (Healthcare)
Equity, Since 28 Feb 18 | DRREDDY3% ₹38 Cr 299,461
↓ -35,539 Cipla Ltd (Healthcare)
Equity, Since 31 Jan 03 | 5000873% ₹38 Cr 250,000 Alkem Laboratories Ltd (Healthcare)
Equity, Since 31 May 21 | ALKEM3% ₹37 Cr 68,000 Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 30 Apr 21 | APOLLOHOSP3% ₹37 Cr 53,000 4. UTI Core Equity Fund
UTI Core Equity Fund
Growth Launch Date 20 May 09 NAV (28 Jan 26) ₹183.8 ↑ 2.21 (1.21 %) Net Assets (Cr) ₹5,635 on 31 Dec 25 Category Equity - Large & Mid Cap AMC UTI Asset Management Company Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 1.96 Sharpe Ratio 0.15 Information Ratio 0.92 Alpha Ratio -0.64 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 ₹14,076 31 Dec 22 ₹14,720 31 Dec 23 ₹19,789 31 Dec 24 ₹25,171 31 Dec 25 ₹27,036 Returns for UTI Core Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26 Duration Returns 1 Month -1.8% 3 Month 0% 6 Month 3.7% 1 Year 12.9% 3 Year 22.1% 5 Year 21% 10 Year 15 Year Since launch 13.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.4% 2023 27.2% 2022 34.4% 2021 4.6% 2020 40.8% 2019 12.8% 2018 1.5% 2017 -7.9% 2016 35.2% 2015 3.4% Fund Manager information for UTI Core Equity Fund
Name Since Tenure V Srivatsa 17 May 17 8.63 Yr. Data below for UTI Core Equity Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Financial Services 27.98% Consumer Cyclical 10.46% Technology 10.3% Energy 8.47% Basic Materials 7.67% Industrials 7.59% Health Care 7.37% Consumer Defensive 5.72% Communication Services 5.49% Real Estate 3.1% Utility 2.03% Asset Allocation
Asset Class Value Cash 3.82% Equity 96.18% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 20 | HDFCBANK5% ₹302 Cr 3,049,721 Infosys Ltd (Technology)
Equity, Since 28 Feb 06 | INFY3% ₹196 Cr 1,213,225
↓ -50,962 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Nov 06 | 5321743% ₹192 Cr 1,427,555 Reliance Industries Ltd (Energy)
Equity, Since 29 Feb 20 | RELIANCE3% ₹175 Cr 1,116,380 Vedanta Ltd (Basic Materials)
Equity, Since 30 Apr 24 | 5002953% ₹149 Cr 2,459,841
↓ -125,000 Wipro Ltd (Technology)
Equity, Since 30 Jun 24 | 5076853% ₹144 Cr 5,473,655
↑ 200,000 ITC Ltd (Consumer Defensive)
Equity, Since 31 Dec 08 | ITC3% ₹143 Cr 3,559,906 The Federal Bank Ltd (Financial Services)
Equity, Since 30 Jun 17 | FEDERALBNK2% ₹134 Cr 5,018,275
↓ -815,000 Indus Towers Ltd Ordinary Shares (Communication Services)
Equity, Since 29 Feb 24 | 5348162% ₹129 Cr 3,074,620 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Mar 14 | LT2% ₹122 Cr 299,956 5. Sundaram Infrastructure Advantage Fund
Sundaram Infrastructure Advantage Fund
Growth Launch Date 29 Sep 05 NAV (28 Jan 26) ₹92.748 ↑ 1.68 (1.84 %) Net Assets (Cr) ₹947 on 31 Dec 25 Category Equity - Sectoral AMC Sundaram Asset Management Company Ltd Rating Risk High Expense Ratio 2.37 Sharpe Ratio 0 Information Ratio -0.15 Alpha Ratio -9.98 Min Investment 100,000 Min SIP Investment 100 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 ₹14,950 31 Dec 22 ₹15,265 31 Dec 23 ₹21,625 31 Dec 24 ₹26,778 31 Dec 25 ₹27,887 Returns for Sundaram Infrastructure Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26 Duration Returns 1 Month -3.9% 3 Month -4.5% 6 Month -1% 1 Year 10.8% 3 Year 21.7% 5 Year 21.9% 10 Year 15 Year Since launch 11.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 4.1% 2023 23.8% 2022 41.7% 2021 2.1% 2020 49.5% 2019 10.4% 2018 2.2% 2017 -21.9% 2016 55.5% 2015 -0.5% Fund Manager information for Sundaram Infrastructure Advantage Fund
Name Since Tenure Clyton Fernandes 10 Dec 25 0.06 Yr. Data below for Sundaram Infrastructure Advantage Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Industrials 38.73% Energy 12.18% Communication Services 11.91% Utility 11.39% Consumer Cyclical 7.06% Basic Materials 6.23% Financial Services 4.13% Real Estate 2.15% Health Care 0.93% Technology 0.51% Asset Allocation
Asset Class Value Cash 4.78% Equity 95.22% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 19 | BHARTIARTL9% ₹87 Cr 415,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 May 09 | LT9% ₹86 Cr 210,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Jan 18 | RELIANCE8% ₹80 Cr 510,000 NTPC Ltd (Utilities)
Equity, Since 31 Jan 22 | 5325555% ₹44 Cr 1,340,000 UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Oct 19 | 5325383% ₹33 Cr 28,000 Bharat Electronics Ltd (Industrials)
Equity, Since 31 Jul 22 | BEL3% ₹27 Cr 675,000 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 30 Sep 19 | 5005472% ₹22 Cr 575,000 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Mar 22 | 5328982% ₹21 Cr 800,000 State Bank of India (Financial Services)
Equity, Since 28 Feb 22 | SBIN2% ₹20 Cr 200,000 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Jun 18 | 5321742% ₹19 Cr 145,000
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Research Highlights for DSP World Gold Fund