এসআইপি 2022-এর জন্য 11টি সেরা মিউচুয়াল ফান্ড

Updated on January 17, 2026 , 265204 views

চুমুক যৌথ পুঁজি (বা শীর্ষ 11 SIP মিউচুয়াল ফান্ড) হল এমন ফান্ড যা স্টক মার্কেটের অনিবার্য উত্থান-পতনের সময় নার্ভাস বিক্রি এড়াতে পর্যায়ক্রমিক বিনিয়োগের সহজ সূত্র মেনে চলে।

সাধারণত, SIP বা পদ্ধতিগতবিনিয়োগ পরিকল্পনা মিউচুয়াল ফান্ডে অর্থ বিনিয়োগ করার একটি মোড।বিনিয়োগ সেরা 11 SIP মিউচুয়াল ফান্ড আপনার বিনিয়োগের জন্য একটি নিয়মতান্ত্রিক এবং সুশৃঙ্খল পদ্ধতি নিয়ে আসে। এটি প্রতিদিন আপনার বিনিয়োগ পরিচালনা করার প্রচেষ্টাকে হ্রাস করেভিত্তি. অধিকন্তু, এটি লিভারেজ অফার করেযৌগিক শক্তি সময়ের সাথে সাথে কাঙ্ক্ষিত রিটার্নের দিকে পরিচালিত করে।

তারা আলাদামিউচুয়াল ফান্ডের প্রকারভেদ এসআইপি-এর জন্য যার মধ্যে রয়েছে ইক্যুইটি, ঋণ, সুষম, অতি-স্বল্পমেয়াদী তহবিল, ইত্যাদি। যাইহোক, ইক্যুইটি মিউচুয়াল ফান্ডগুলি SIP এর মাধ্যমে বিনিয়োগ করলে সর্বাধিক রিটার্ন অফার করে। আর্থিক উপদেষ্টারা পরামর্শ দেন যে, বিনিয়োগকারীদের অবশ্যই বিনিয়োগ করতে হবেসেরা মিউচুয়াল ফান্ড এসআইপি ভিত্তিতে তাদের বিনিয়োগের উদ্দেশ্য এবং সময়কালএসআইপি বিনিয়োগ.

কেন শীর্ষ 11 SIP তহবিলে বিনিয়োগ করবেন?

SIP মিউচুয়াল ফান্ডে বিনিয়োগের প্রতি একটি সুশৃঙ্খল দৃষ্টিভঙ্গি দেয়
পদ্ধতিগত বিনিয়োগ ভবিষ্যতের স্বপ্ন এবং প্রধান লক্ষ্যগুলির অর্থায়নে সাহায্য করে যেমন- অবসর গ্রহণ, সন্তানের কর্মজীবন, একটি বাড়ি, গাড়ি বা অন্য কোনো সম্পদ ক্রয়
এসআইপিগুলি সর্বাধিক চক্রবৃদ্ধি করতে সহায়তা করে এবং তরুণ বিনিয়োগকারীদের জন্য আদর্শ
পদ্ধতিগত বিনিয়োগ পরিকল্পনা ইক্যুইটি ওঠানামার ঝুঁকি কমিয়ে দেয়

কিভাবে SIP এ বিনিয়োগ করবেন?

অর্থ বিনিয়োগ করা একটি শিল্প, সঠিকভাবে করা হলে এটি বিস্ময়কর কাজ করতে পারে। এখন আপনি জানেন যেশীর্ষ SIP পরিকল্পনা আপনি জানতে হবে এটা বিনিয়োগ কিভাবে. আমরা নীচে এসআইপিতে বিনিয়োগের পদক্ষেপগুলি উল্লেখ করেছি।

1. আপনার আর্থিক লক্ষ্য বিশ্লেষণ

আপনার উপযুক্ত একটি SIP বিনিয়োগ চয়ন করুনআর্থিক লক্ষ্য. উদাহরণস্বরূপ, যদি আপনার লক্ষ্য স্বল্পমেয়াদী হয় (যদি আগামী 2 বছরে একটি গাড়ি কিনতে চান), তাহলে আপনাকে ডেট মিউচুয়াল ফান্ডে বিনিয়োগ করা উচিত। এবং, যদি আপনার লক্ষ্য দীর্ঘমেয়াদী হয় (যেমনঅবসর পরিকল্পনা) তারপর ইক্যুইটি মিউচুয়াল ফান্ডে বিনিয়োগ করতে পছন্দ করে।

2. বিনিয়োগের একটি টাইমলাইন বেছে নিন

এটি নিশ্চিত করবে যে আপনি সঠিক সময়ের জন্য সঠিক পরিমাণ অর্থ বিনিয়োগ করবেন।

3. আপনি মাসিক যে পরিমাণ বিনিয়োগ করতে চান তা নির্ধারণ করুন

যেহেতু এসআইপি একটি মাসিক বিনিয়োগ, তাই আপনার এমন একটি পরিমাণ বেছে নেওয়া উচিত যেটি ছাড়াই আপনি মাসিক বিনিয়োগ করতে পারবেনব্যর্থ. আপনি ব্যবহার করে আপনার লক্ষ্য অনুযায়ী উপযুক্ত পরিমাণও গণনা করতে পারেনচুমুক ক্যালকুলেটর অথবা এসআইপি রিটার্ন ক্যালকুলেটর।

4. সেরা SIP পরিকল্পনা নির্বাচন করুন

পরামর্শ করে একটি বিজ্ঞ বিনিয়োগ পছন্দ করুন aআর্থিক উপদেষ্টা বা নির্বাচন করেসেরা SIP পরিকল্পনা বিভিন্ন অনলাইন বিনিয়োগ প্ল্যাটফর্ম দ্বারা অফার করা হয়।

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ভারতের শীর্ষ 11টি SIP মিউচুয়াল ফান্ড FY 22 - 23৷

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
ICICI Prudential Infrastructure Fund Growth	₹188.23 ↓ -4.10	₹8,134	100	-2.9	-3.2	6.8	23.6	28.4	6.7
SBI PSU Fund Growth	₹33.5997 ↓ -0.46	₹5,817	500	4	5.8	14	28.6	28.3	11.3
Invesco India PSU Equity Fund Growth	₹65.54 ↓ -1.36	₹1,449	500	3.3	4.1	14.9	29.2	26.9	10.3
DSP World Gold Fund Growth	₹58.945 ↓ -0.24	₹1,756	500	22.3	95.5	171.1	49	25.8	167.1
HDFC Infrastructure Fund Growth	₹45.572 ↓ -0.71	₹2,452	300	-4	-3.7	3.7	23.9	25.8	2.2
DSP India T.I.G.E.R Fund Growth	₹301.007 ↓ -7.01	₹5,323	500	-2.6	-3.5	1.4	22.8	25.3	-2.5
Nippon India Power and Infra Fund Growth	₹325.52 ↓ -7.81	₹7,117	100	-5.2	-4.4	-0.1	23.9	24.7	-0.5
Canara Robeco Infrastructure Growth	₹150.59 ↓ -2.92	₹894	1,000	-5.7	-5.1	2.1	22.3	24.4	0.1
Bandhan Infrastructure Fund Growth	₹45.086 ↓ -1.09	₹1,522	100	-7.2	-10.1	-6.4	22.1	24.2	-6.9
LIC MF Infrastructure Fund Growth	₹46.1871 ↓ -1.24	₹1,003	1,000	-8	-8.8	-4.5	24.7	24	-3.7
Franklin Build India Fund Growth	₹137.198 ↓ -2.73	₹3,036	500	-5	-4.6	2.3	23.9	23.9	3.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Jan 26

Research Highlights & Commentary of 11 Funds showcased

Commentary	ICICI Prudential Infrastructure Fund	SBI PSU Fund	Invesco India PSU Equity Fund	DSP World Gold Fund	HDFC Infrastructure Fund	DSP India T.I.G.E.R Fund	Nippon India Power and Infra Fund	Canara Robeco Infrastructure	Bandhan Infrastructure Fund	LIC MF Infrastructure Fund	Franklin Build India Fund
Point 1	Highest AUM (₹8,134 Cr).	Upper mid AUM (₹5,817 Cr).	Bottom quartile AUM (₹1,449 Cr).	Lower mid AUM (₹1,756 Cr).	Lower mid AUM (₹2,452 Cr).	Upper mid AUM (₹5,323 Cr).	Top quartile AUM (₹7,117 Cr).	Bottom quartile AUM (₹894 Cr).	Lower mid AUM (₹1,522 Cr).	Bottom quartile AUM (₹1,003 Cr).	Upper mid AUM (₹3,036 Cr).
Point 2	Established history (20+ yrs).	Established history (15+ yrs).	Established history (16+ yrs).	Established history (18+ yrs).	Established history (17+ yrs).	Oldest track record among peers (21 yrs).	Established history (21+ yrs).	Established history (20+ yrs).	Established history (14+ yrs).	Established history (17+ yrs).	Established history (16+ yrs).
Point 3	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Rating: 3★ (lower mid).	Rating: 3★ (upper mid).	Rating: 4★ (upper mid).	Rating: 4★ (upper mid).	Not Rated.	Rating: 5★ (top quartile).	Not Rated.	Top rated.
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 28.41% (top quartile).	5Y return: 28.34% (top quartile).	5Y return: 26.91% (upper mid).	5Y return: 25.80% (upper mid).	5Y return: 25.79% (upper mid).	5Y return: 25.26% (lower mid).	5Y return: 24.71% (lower mid).	5Y return: 24.39% (lower mid).	5Y return: 24.24% (bottom quartile).	5Y return: 23.96% (bottom quartile).	5Y return: 23.94% (bottom quartile).
Point 6	3Y return: 23.57% (lower mid).	3Y return: 28.55% (upper mid).	3Y return: 29.23% (top quartile).	3Y return: 49.00% (top quartile).	3Y return: 23.93% (upper mid).	3Y return: 22.84% (bottom quartile).	3Y return: 23.85% (lower mid).	3Y return: 22.27% (bottom quartile).	3Y return: 22.09% (bottom quartile).	3Y return: 24.71% (upper mid).	3Y return: 23.86% (lower mid).
Point 7	1Y return: 6.83% (upper mid).	1Y return: 14.03% (upper mid).	1Y return: 14.93% (top quartile).	1Y return: 171.06% (top quartile).	1Y return: 3.73% (upper mid).	1Y return: 1.44% (lower mid).	1Y return: -0.10% (bottom quartile).	1Y return: 2.13% (lower mid).	1Y return: -6.36% (bottom quartile).	1Y return: -4.51% (bottom quartile).	1Y return: 2.30% (lower mid).
Point 8	Alpha: 0.00 (upper mid).	Alpha: -0.22 (lower mid).	Alpha: -1.90 (bottom quartile).	Alpha: 1.32 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (top quartile).	Alpha: -15.06 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (upper mid).	Alpha: -18.43 (bottom quartile).	Alpha: 0.00 (lower mid).
Point 9	Sharpe: 0.12 (upper mid).	Sharpe: 0.33 (top quartile).	Sharpe: 0.27 (upper mid).	Sharpe: 3.42 (top quartile).	Sharpe: -0.12 (lower mid).	Sharpe: -0.31 (bottom quartile).	Sharpe: -0.20 (lower mid).	Sharpe: -0.18 (lower mid).	Sharpe: -0.43 (bottom quartile).	Sharpe: -0.21 (bottom quartile).	Sharpe: -0.05 (upper mid).
Point 10	Information ratio: 0.00 (lower mid).	Information ratio: -0.47 (bottom quartile).	Information ratio: -0.37 (bottom quartile).	Information ratio: -0.67 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.34 (top quartile).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.28 (top quartile).	Information ratio: 0.00 (lower mid).

ICICI Prudential Infrastructure Fund

Highest AUM (₹8,134 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 28.41% (top quartile).
3Y return: 23.57% (lower mid).
1Y return: 6.83% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.12 (upper mid).
Information ratio: 0.00 (lower mid).

SBI PSU Fund

Upper mid AUM (₹5,817 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 28.34% (top quartile).
3Y return: 28.55% (upper mid).
1Y return: 14.03% (upper mid).
Alpha: -0.22 (lower mid).
Sharpe: 0.33 (top quartile).
Information ratio: -0.47 (bottom quartile).

Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,449 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 26.91% (upper mid).
3Y return: 29.23% (top quartile).
1Y return: 14.93% (top quartile).
Alpha: -1.90 (bottom quartile).
Sharpe: 0.27 (upper mid).
Information ratio: -0.37 (bottom quartile).

DSP World Gold Fund

Lower mid AUM (₹1,756 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 25.80% (upper mid).
3Y return: 49.00% (top quartile).
1Y return: 171.06% (top quartile).
Alpha: 1.32 (top quartile).
Sharpe: 3.42 (top quartile).
Information ratio: -0.67 (bottom quartile).

HDFC Infrastructure Fund

Lower mid AUM (₹2,452 Cr).
Established history (17+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 25.79% (upper mid).
3Y return: 23.93% (upper mid).
1Y return: 3.73% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.12 (lower mid).
Information ratio: 0.00 (upper mid).

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

Upper mid AUM (₹5,323 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 25.26% (lower mid).
3Y return: 22.84% (bottom quartile).
1Y return: 1.44% (lower mid).
Alpha: 0.00 (top quartile).
Sharpe: -0.31 (bottom quartile).
Information ratio: 0.00 (upper mid).

Nippon India Power and Infra Fund

Top quartile AUM (₹7,117 Cr).
Established history (21+ yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 24.71% (lower mid).
3Y return: 23.85% (lower mid).
1Y return: -0.10% (bottom quartile).
Alpha: -15.06 (bottom quartile).
Sharpe: -0.20 (lower mid).
Information ratio: 0.34 (top quartile).

Canara Robeco Infrastructure

Bottom quartile AUM (₹894 Cr).
Established history (20+ yrs).
Not Rated.
Risk profile: High.
5Y return: 24.39% (lower mid).
3Y return: 22.27% (bottom quartile).
1Y return: 2.13% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.18 (lower mid).
Information ratio: 0.00 (lower mid).

Bandhan Infrastructure Fund

Lower mid AUM (₹1,522 Cr).
Established history (14+ yrs).
Rating: 5★ (top quartile).
Risk profile: High.
5Y return: 24.24% (bottom quartile).
3Y return: 22.09% (bottom quartile).
1Y return: -6.36% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.43 (bottom quartile).
Information ratio: 0.00 (upper mid).

LIC MF Infrastructure Fund

Bottom quartile AUM (₹1,003 Cr).
Established history (17+ yrs).
Not Rated.
Risk profile: High.
5Y return: 23.96% (bottom quartile).
3Y return: 24.71% (upper mid).
1Y return: -4.51% (bottom quartile).
Alpha: -18.43 (bottom quartile).
Sharpe: -0.21 (bottom quartile).
Information ratio: 0.28 (top quartile).

Franklin Build India Fund

Upper mid AUM (₹3,036 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: High.
5Y return: 23.94% (bottom quartile).
3Y return: 23.86% (lower mid).
1Y return: 2.30% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.05 (upper mid).
Information ratio: 0.00 (lower mid).

*সেরা মিউচুয়াল ফান্ডের তালিকা SIP-এর নেট অ্যাসেট/ AUM-এর থেকে বেশি200 কোটি মিউচুয়াল ফান্ডের ইক্যুইটি বিভাগে 5 বছরের ক্যালেন্ডার বছরের রিটার্নের ভিত্তিতে অর্ডার করা হয়েছে।

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

Highest AUM (₹8,134 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 28.41% (top quartile).
3Y return: 23.57% (lower mid).
1Y return: 6.83% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.12 (upper mid).
Information ratio: 0.00 (lower mid).
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 (20 Jan 26)	₹188.23 ↓ -4.10 (-2.13 %)
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 ₹612,552.
Net Profit of ₹312,552 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 20 Jan 26

Duration	Returns
1 Month	-1.1%
3 Month	-2.9%
6 Month	-3.2%
1 Year	6.8%
3 Year	23.6%
5 Year	28.4%
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

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★ (bottom quartile).
Risk profile: High.
5Y return: 28.34% (top quartile).
3Y return: 28.55% (upper mid).
1Y return: 14.03% (upper mid).
Alpha: -0.22 (lower mid).
Sharpe: 0.33 (top quartile).
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 (20 Jan 26)	₹33.5997 ↓ -0.46 (-1.36 %)
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 ₹612,552.
Net Profit of ₹312,552 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 20 Jan 26

Duration	Returns
1 Month	3%
3 Month	4%
6 Month	5.8%
1 Year	14%
3 Year	28.6%
5 Year	28.3%
10 Year
15 Year
Since launch	8.2%

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. 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★ (lower mid).
Risk profile: High.
5Y return: 26.91% (upper mid).
3Y return: 29.23% (top quartile).
1Y return: 14.93% (top quartile).
Alpha: -1.90 (bottom quartile).
Sharpe: 0.27 (upper 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 (20 Jan 26)	₹65.54 ↓ -1.36 (-2.03 %)
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 ₹584,107.
Net Profit of ₹284,107 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 20 Jan 26

Duration	Returns
1 Month	4.7%
3 Month	3.3%
6 Month	4.1%
1 Year	14.9%
3 Year	29.2%
5 Year	26.9%
10 Year
15 Year
Since launch	12.5%

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

4. 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

Lower mid AUM (₹1,756 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 25.80% (upper mid).
3Y return: 49.00% (top quartile).
1Y return: 171.06% (top quartile).
Alpha: 1.32 (top quartile).
Sharpe: 3.42 (top quartile).
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 (16 Jan 26)	₹58.945 ↓ -0.24 (-0.40 %)
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 ₹570,326.
Net Profit of ₹270,326 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 20 Jan 26

Duration	Returns
1 Month	12.4%
3 Month	22.3%
6 Month	95.5%
1 Year	171.1%
3 Year	49%
5 Year	25.8%
10 Year
15 Year
Since launch	10.2%

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

5. 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: 25.79% (upper mid).
3Y return: 23.93% (upper mid).
1Y return: 3.73% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.12 (lower mid).
Information ratio: 0.00 (upper mid).
Top sector: Industrials.
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 (20 Jan 26)	₹45.572 ↓ -0.71 (-1.54 %)
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 ₹570,326.
Net Profit of ₹270,326 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 20 Jan 26

Duration	Returns
1 Month	-1.3%
3 Month	-4%
6 Month	-3.7%
1 Year	3.7%
3 Year	23.9%
5 Year	25.8%
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

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

Upper mid AUM (₹5,323 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 25.26% (lower mid).
3Y return: 22.84% (bottom quartile).
1Y return: 1.44% (lower mid).
Alpha: 0.00 (top quartile).
Sharpe: -0.31 (bottom quartile).
Information ratio: 0.00 (upper mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Larsen & Toubro Ltd (~5.3%).

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 (20 Jan 26)	₹301.007 ↓ -7.01 (-2.27 %)
Net Assets (Cr)	₹5,323 on 31 Dec 25
Category	Equity - Sectoral
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.31
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
31 Dec 20	₹10,000
31 Dec 21	₹15,158
31 Dec 22	₹17,260
31 Dec 23	₹25,716
31 Dec 24	₹34,043
31 Dec 25	₹33,175

DSP India T.I.G.E.R 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 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 20 Jan 26

Duration	Returns
1 Month	-0.9%
3 Month	-2.6%
6 Month	-3.5%
1 Year	1.4%
3 Year	22.8%
5 Year	25.3%
10 Year
15 Year
Since launch	17.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-2.5%
2023	32.4%
2022	49%
2021	13.9%
2020	51.6%
2019	2.7%
2018	6.7%
2017	-17.2%
2016	47%
2015	4.1%

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

Name	Since	Tenure
Rohit Singhania	21 Jun 10	15.54 Yr.

Data below for DSP India T.I.G.E.R Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	30.1%
Basic Materials	14.02%
Financial Services	11.6%
Utility	10.47%
Consumer Cyclical	8.71%
Energy	7.67%
Health Care	5.45%
Communication Services	3.33%
Technology	1.7%
Real Estate	1.7%
Consumer Defensive	1.36%

Asset Allocation

Asset Class	Value
Cash	3.89%
Equity	96.11%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 04 \| LT	5%	₹284 Cr	694,468 ↓ -3,201
NTPC Ltd (Utilities) Equity, Since 30 Nov 17 \| 532555	4%	₹235 Cr	7,145,883
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 31 Dec 24 \| APOLLOHOSP	3%	₹173 Cr	245,928
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 18 \| BHARTIARTL	3%	₹171 Cr	812,745 ↑ 56,591
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 31 May 25 \| MCX	3%	₹152 Cr	136,165
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jan 25 \| 532898	3%	₹147 Cr	5,567,574
Kirloskar Oil Engines Ltd (Industrials) Equity, Since 31 Mar 23 \| KIRLOSENG	3%	₹141 Cr	1,154,264 ↓ -258,148
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 Oct 25 \| HAL	3%	₹134 Cr	305,098
Coal India Ltd (Energy) Equity, Since 31 Dec 23 \| COALINDIA	2%	₹133 Cr	3,321,453
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Dec 24 \| AMBER	2%	₹126 Cr	197,265

7. 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

Top quartile AUM (₹7,117 Cr).
Established history (21+ yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 24.71% (lower mid).
3Y return: 23.85% (lower mid).
1Y return: -0.10% (bottom quartile).
Alpha: -15.06 (bottom quartile).
Sharpe: -0.20 (lower mid).
Information ratio: 0.34 (top quartile).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~100%).
Largest holding Reliance Industries Ltd (~10.0%).

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 (20 Jan 26)	₹325.52 ↓ -7.81 (-2.34 %)
Net Assets (Cr)	₹7,117 on 31 Dec 25
Category	Equity - Sectoral
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.85
Sharpe Ratio	-0.2
Information Ratio	0.34
Alpha Ratio	-15.06
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	₹14,888
31 Dec 22	₹16,512
31 Dec 23	₹26,089
31 Dec 24	₹33,115
31 Dec 25	₹32,946

Nippon India Power and Infra Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 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 20 Jan 26

Duration	Returns
1 Month	-2.6%
3 Month	-5.2%
6 Month	-4.4%
1 Year	-0.1%
3 Year	23.9%
5 Year	24.7%
10 Year
15 Year
Since launch	17.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-0.5%
2023	26.9%
2022	58%
2021	10.9%
2020	48.9%
2019	10.8%
2018	-2.9%
2017	-21.1%
2016	61.7%
2015	0.1%

Fund Manager information for Nippon India Power and Infra Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	7.61 Yr.
Rahul Modi	19 Aug 24	1.37 Yr.
Lokesh Maru	5 Sep 25	0.32 Yr.
Divya Sharma	5 Sep 25	0.32 Yr.

Data below for Nippon India Power and Infra Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	32.98%
Utility	23%
Consumer Cyclical	10.79%
Energy	10.36%
Basic Materials	7.3%
Technology	4.55%
Communication Services	3.55%
Financial Services	2.54%
Real Estate	2.43%
Health Care	2.08%

Asset Allocation

Asset Class	Value
Cash	0.43%
Equity	99.57%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 18 \| RELIANCE	10%	₹715 Cr	4,550,000 ↑ 125,000
NTPC Ltd (Utilities) Equity, Since 31 May 09 \| 532555	8%	₹560 Cr	17,000,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 07 \| LT	6%	₹435 Cr	1,064,337
Tata Power Co Ltd (Utilities) Equity, Since 30 Apr 23 \| 500400	4%	₹300 Cr	7,900,789
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 18 \| BHARTIARTL	4%	₹253 Cr	1,200,000 ↓ -900,000
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Oct 19 \| 532538	3%	₹200 Cr	170,000
Bharat Heavy Electricals Ltd (Industrials) Equity, Since 30 Sep 24 \| 500103	3%	₹198 Cr	6,900,000 ↓ -1,100,838
CG Power & Industrial Solutions Ltd (Industrials) Equity, Since 30 Sep 24 \| 500093	3%	₹196 Cr	3,020,014
Bharat Forge Ltd (Consumer Cyclical) Equity, Since 31 Oct 24 \| 500493	2%	₹173 Cr	1,179,635
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	2%	₹165 Cr	17,497,157 ↑ 350,000

8. 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 (₹894 Cr).
Established history (20+ yrs).
Not Rated.
Risk profile: High.
5Y return: 24.39% (lower mid).
3Y return: 22.27% (bottom quartile).
1Y return: 2.13% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.18 (lower mid).
Information ratio: 0.00 (lower mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Larsen & Toubro Ltd (~10.0%).

Below is the key information for Canara Robeco Infrastructure

Canara Robeco Infrastructure Growth
Launch Date	2 Dec 05
NAV (20 Jan 26)	₹150.59 ↓ -2.92 (-1.90 %)
Net Assets (Cr)	₹894 on 31 Dec 25
Category	Equity - Sectoral
AMC	Canara Robeco Asset Management Co. Ltd.
Rating	Not Rated
Risk	High
Expense Ratio	2.32
Sharpe Ratio	-0.18
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	₹15,613
31 Dec 22	₹17,013
31 Dec 23	₹24,024
31 Dec 24	₹32,498
31 Dec 25	₹32,543

Canara Robeco Infrastructure SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 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 20 Jan 26

Duration	Returns
1 Month	-2%
3 Month	-5.7%
6 Month	-5.1%
1 Year	2.1%
3 Year	22.3%
5 Year	24.4%
10 Year
15 Year
Since launch	14.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	0.1%
2023	35.3%
2022	41.2%
2021	9%
2020	56.1%
2019	9%
2018	2.3%
2017	-19.1%
2016	40.2%
2015	2.1%

Fund Manager information for Canara Robeco Infrastructure

Name	Since	Tenure
Vishal Mishra	26 Jun 21	4.52 Yr.
Shridatta Bhandwaldar	29 Sep 18	7.26 Yr.

Data below for Canara Robeco Infrastructure as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	45.69%
Utility	12.07%
Basic Materials	9.54%
Energy	9.39%
Financial Services	7.49%
Technology	4.06%
Communication Services	3.22%
Consumer Cyclical	3.04%
Real Estate	1.29%

Asset Allocation

Asset Class	Value
Cash	4.21%
Equity	95.79%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 28 Feb 11 \| LT	10%	₹89 Cr	217,901 ↓ -5,000
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 22 \| RELIANCE	5%	₹46 Cr	291,750 ↑ 12,500
State Bank of India (Financial Services) Equity, Since 31 Jul 24 \| SBIN	5%	₹43 Cr	442,500
NTPC Ltd (Utilities) Equity, Since 30 Nov 18 \| 532555	4%	₹36 Cr	1,106,480 ↑ 40,000
Bharat Electronics Ltd (Industrials) Equity, Since 31 Jul 19 \| BEL	4%	₹36 Cr	894,000 ↑ 25,000
GE Vernova T&D India Ltd (Industrials) Equity, Since 31 Jan 24 \| 522275	4%	₹31 Cr	99,985 ↓ -5,200
Tata Power Co Ltd (Utilities) Equity, Since 30 Sep 24 \| 500400	3%	₹31 Cr	810,000 ↑ 25,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Jan 23 \| INDIGO	3%	₹29 Cr	58,250
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 \| 500093	3%	₹29 Cr	440,650 ↑ 27,500

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

Lower mid AUM (₹1,522 Cr).
Established history (14+ yrs).
Rating: 5★ (top quartile).
Risk profile: High.
5Y return: 24.24% (bottom quartile).
3Y return: 22.09% (bottom quartile).
1Y return: -6.36% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.43 (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 (~5.4%).

Below is the key information for Bandhan Infrastructure Fund

Bandhan Infrastructure Fund Growth
Launch Date	8 Mar 11
NAV (20 Jan 26)	₹45.086 ↓ -1.09 (-2.37 %)
Net Assets (Cr)	₹1,522 on 31 Dec 25
Category	Equity - Sectoral
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	2.1
Sharpe Ratio	-0.43
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
31 Dec 20	₹10,000
31 Dec 21	₹16,484
31 Dec 22	₹16,758
31 Dec 23	₹25,188
31 Dec 24	₹35,093
31 Dec 25	₹32,662

Bandhan Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 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 20 Jan 26

Duration	Returns
1 Month	-3.1%
3 Month	-7.2%
6 Month	-10.1%
1 Year	-6.4%
3 Year	22.1%
5 Year	24.2%
10 Year
15 Year
Since launch	10.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-6.9%
2023	39.3%
2022	50.3%
2021	1.7%
2020	64.8%
2019	6.3%
2018	-5.3%
2017	-25.9%
2016	58.7%
2015	10.7%

Fund Manager information for Bandhan Infrastructure Fund

Name	Since	Tenure
Vishal Biraia	24 Jan 24	1.94 Yr.
Ritika Behera	7 Oct 23	2.24 Yr.
Gaurav Satra	7 Jun 24	1.57 Yr.

Data below for Bandhan Infrastructure Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	54.05%
Utility	12.45%
Basic Materials	7.77%
Communication Services	4.75%
Energy	4.62%
Technology	3.92%
Financial Services	2.73%
Health Care	2.55%
Real Estate	1.33%
Consumer Cyclical	0.65%

Asset Allocation

Asset Class	Value
Cash	5.17%
Equity	94.83%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 29 Feb 12 \| LT	5%	₹82 Cr	201,193 ↓ -2,857
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 19 \| BHARTIARTL	5%	₹72 Cr	343,670 ↓ -4,881
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 24 \| RELIANCE	5%	₹70 Cr	447,851
Kirloskar Brothers Ltd (Industrials) Equity, Since 31 Dec 17 \| KIRLOSBROS	4%	₹68 Cr	420,795 ↓ -5,977
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Aug 24 \| INDIGO	4%	₹60 Cr	118,992 ↑ 29,641
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Mar 14 \| 532538	4%	₹58 Cr	49,239
Bharat Electronics Ltd (Industrials) Equity, Since 31 Oct 19 \| BEL	4%	₹56 Cr	1,396,506 ↓ -19,837
GPT Infraprojects Ltd (Industrials) Equity, Since 30 Nov 17 \| GPTINFRA	3%	₹53 Cr	4,733,244
Ahluwalia Contracts (India) Ltd (Industrials) Equity, Since 30 Apr 15 \| AHLUCONT	3%	₹44 Cr	451,235 ↓ -6,409
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 Dec 23 \| ADANIPORTS	3%	₹44 Cr	299,244 ↓ -4,250

10. LIC MF Infrastructure Fund

The investment objective of the scheme is to provide long term growth from a portfolio of equity / equity related instruments of companies engaged either directly or indirectly in the infrastructure sector.

Research Highlights for LIC MF Infrastructure Fund

Bottom quartile AUM (₹1,003 Cr).
Established history (17+ yrs).
Not Rated.
Risk profile: High.
5Y return: 23.96% (bottom quartile).
3Y return: 24.71% (upper mid).
1Y return: -4.51% (bottom quartile).
Alpha: -18.43 (bottom quartile).
Sharpe: -0.21 (bottom quartile).
Information ratio: 0.28 (top quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Shakti Pumps (India) Ltd (~5.0%).

Below is the key information for LIC MF Infrastructure Fund

LIC MF Infrastructure Fund Growth
Launch Date	29 Feb 08
NAV (20 Jan 26)	₹46.1871 ↓ -1.24 (-2.60 %)
Net Assets (Cr)	₹1,003 on 31 Dec 25
Category	Equity - Sectoral
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	Not Rated
Risk	High
Expense Ratio	2.21
Sharpe Ratio	-0.21
Information Ratio	0.28
Alpha Ratio	-18.43
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	₹14,661
31 Dec 22	₹15,822
31 Dec 23	₹22,850
31 Dec 24	₹33,771
31 Dec 25	₹32,530

LIC MF Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623 Invest Now

Returns for LIC MF 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 20 Jan 26

Duration	Returns
1 Month	-5%
3 Month	-8%
6 Month	-8.8%
1 Year	-4.5%
3 Year	24.7%
5 Year	24%
10 Year
15 Year
Since launch	8.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-3.7%
2023	47.8%
2022	44.4%
2021	7.9%
2020	46.6%
2019	-0.1%
2018	13.3%
2017	-14.6%
2016	42.2%
2015	-2.2%

Fund Manager information for LIC MF Infrastructure Fund

Name	Since	Tenure
Yogesh Patil	18 Sep 20	5.29 Yr.
Mahesh Bendre	1 Jul 24	1.5 Yr.

Data below for LIC MF Infrastructure Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	47.89%
Consumer Cyclical	13.2%
Basic Materials	9.06%
Financial Services	6.21%
Utility	5.93%
Technology	3.68%
Real Estate	3.55%
Communication Services	3.18%
Health Care	3.07%

Asset Allocation

Asset Class	Value
Cash	4.22%
Equity	95.78%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shakti Pumps (India) Ltd (Industrials) Equity, Since 31 Mar 24 \| SHAKTIPUMP	5%	₹50 Cr	686,379 ↓ -7,478
Tata Motors Ltd (Consumer Cyclical) Equity, Since 31 Oct 25 \| TMCV	5%	₹45 Cr	1,088,395 ↓ -159,564
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Apr 09 \| LT	4%	₹44 Cr	108,403 ↓ -1,181
REC Ltd (Financial Services) Equity, Since 31 Jul 23 \| 532955	3%	₹32 Cr	901,191 ↓ -9,818
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 30 Jun 25 \| APOLLOHOSP	3%	₹31 Cr	43,674 ↓ -475
Garware Hi-Tech Films Ltd (Basic Materials) Equity, Since 31 Aug 23 \| 500655	3%	₹29 Cr	93,271 ↓ -1,016
Mahindra Lifespace Developers Ltd (Real Estate) Equity, Since 30 Jun 24 \| MAHLIFE	3%	₹26 Cr	659,065 ↓ -7,180
Avalon Technologies Ltd (Technology) Equity, Since 31 Jul 23 \| AVALON	3%	₹25 Cr	289,118 ↑ 2,984
Cummins India Ltd (Industrials) Equity, Since 31 May 21 \| 500480	3%	₹25 Cr	56,889 ↓ -619
Bharat Bijlee Ltd (Industrials) Equity, Since 31 Jul 22 \| BBL	2%	₹25 Cr	92,624 ↓ -1,009

11. 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: 23.94% (bottom quartile).
3Y return: 23.86% (lower mid).
1Y return: 2.30% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.05 (upper mid).
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 (20 Jan 26)	₹137.198 ↓ -2.73 (-1.95 %)
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 ₹543,623.
Net Profit of ₹243,623 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 20 Jan 26

Duration	Returns
1 Month	-3.2%
3 Month	-5%
6 Month	-4.6%
1 Year	2.3%
3 Year	23.9%
5 Year	23.9%
10 Year
15 Year
Since launch	17.3%

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

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FAQs

1. মিউচুয়াল ফান্ড কি?

ক: মিউচুয়াল ফান্ডগুলি হল সিস্টেমেটিক ইনভেস্টমেন্ট প্ল্যান বা এসআইপিগুলির একটি অংশ যা সাধারণত পরে চমৎকার রিটার্ন দেয়। যখন তুমিমিউচুয়াল ফান্ডে বিনিয়োগ করুন, আপনি আপনার বিনিয়োগ পোর্টফোলিও বৈচিত্র্যময়. একটি মিউচুয়াল ফান্ড একটি বিনিয়োগের হাতিয়ার হিসাবে বিবেচিত হতে পারে যা একটি দ্বারা তৈরি করা হয়েছেসম্পদ ব্যবস্থাপনা কোম্পানি একাধিক বিনিয়োগকারী এবং কোম্পানির বিনিয়োগের মধ্যে পুলিং করে।

2. বিভিন্ন ধরনের মিউচুয়াল ফান্ড কি কি?

ক: মিউচুয়াল ফান্ডগুলিকে বিস্তৃতভাবে নিম্নলিখিত ধরণের মধ্যে শ্রেণীবদ্ধ করা যেতে পারে:

ইক্যুইটি বা বৃদ্ধি তহবিল
স্থায়ী আয় তহবিল বাঋণ তহবিল
কর সঞ্চয় তহবিল
তরল তহবিল
ব্যালেন্সড ফান্ড
গিল্ট ফান্ড
এক্সচেঞ্জ-ট্রেডেড ফান্ড বাইটিএফ

3. গ্রোথ ইক্যুইটি ফান্ড কি?

ক: বৃদ্ধিইক্যুইটি ফান্ড সবচেয়ে সাধারণ মিউচুয়াল ফান্ড। যাইহোক, এই পোর্টফোলিওতে অস্থির বিনিয়োগ থাকবে। তা সত্ত্বেও, বিনিয়োগকারীরা প্রায়শই গ্রোথ ইক্যুইটি তহবিলগুলিকে পছন্দ করে কারণ এগুলির আয় বেশি এবং অল্প সময়ের জন্য বিনিয়োগ করা যেতে পারে।

4. কেন আপনার একটি ঋণ তহবিলে বিনিয়োগ করা উচিত?

ক: এই বিনিয়োগগুলি সেই ব্যক্তিদের জন্য আদর্শ যারা বিনিয়োগের উপর নির্দিষ্ট রিটার্ন খুঁজছেন। নির্দিষ্ট আয় ডিবেঞ্চার, ঋণ সিকিউরিটিজ, বাণিজ্যিক কাগজপত্র, এবং সরকারী সিকিউরিটিজ থেকে উপার্জন করা যেতে পারে। মিউচুয়াল ফান্ড বিভিন্ন ধরনের বিনিয়োগের একটি পোর্টফোলিও তৈরি করবে এবং ঝুঁকি নষ্ট করবে।

5. কেন আপনি SIP-এ বিনিয়োগ করবেন?

ক: এসআইপি বিনিয়োগকারীকে নিশ্চিত আয় প্রদান করতে পারে। আপনি যদি প্যাসিভ ইনকাম করতে আগ্রহী হন এবং নিশ্চিত করতে চান যে আপনার বিনিয়োগ নিয়মিত আয় তৈরি করে, তাহলে আপনি SIP-এ বিনিয়োগ করার কথা বিবেচনা করতে পারেন। .

6. কর সাশ্রয়ী মিউচুয়াল ফান্ডে কেন বিনিয়োগ করবেন?

ক: আপনি আপনার বৃদ্ধি খুঁজছেন হয়মূলধন এবং একই সময়ে কর ছাড় উপভোগ করতে চান, তাহলে আপনি ট্যাক্স সাশ্রয়ী মিউচুয়াল ফান্ডে বিনিয়োগ করতে পারেন। অধীনধারা 80C এরআয়কর 1861 সালের আইন, আপনি যদি ইক্যুইটি-লিঙ্কড ট্যাক্স সেভিং মিউচুয়াল ফান্ডে বিনিয়োগ করেন, তাহলে আপনি আপনার বিনিয়োগে কর ছাড় উপভোগ করতে পারেন।

7. মিউচুয়াল ফান্ডে বিনিয়োগ করার জন্য আমার কি একজন ব্রোকার দরকার?

ক: বিনিয়োগে সাহায্য করার জন্য আপনাকে একটি ব্রোকার বা আর্থিক প্রতিষ্ঠানের সহায়তার প্রয়োজন হবে। উপযুক্ত এসআইপিগুলি সনাক্ত করতে এবং বিনিয়োগগুলি সঠিকভাবে করা হয়েছে তা নিশ্চিত করতে আপনার সহায়তার প্রয়োজন হবে।

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।