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Difference Between Savings and Investment

Updated on September 10, 2025 , 1974 views

In today's world, understanding the basics of savings and investment is essential for achieving financial security. By making smart decisions about your finances, you can create a secure future for yourself and your family. The goal of this guide is to introduce savings and investments as well as some basic principles of financial planning. We will discuss different types of investment vehicles, how to save money, budgeting techniques, Retirement planning strategies, and more. With the proper knowledge in hand, you can make informed decisions when it comes time to invest or plan for retirement.

Difference Between Savings and Investment

An effective financial strategy requires a holistic approach that considers all aspects of Personal Finance, including taxation rules, insurance policies, estate planning considerations, debt management issues, and other factors related to building sustainable wealth over time. Investing wisely now can lead to greater returns in the future, so take the time now to learn about saving and investing correctly!

Key Differences Between Savings and Investment

Saving and investing are two distinct financial terms that people often use interchangeably. However, it is essential to understand the key differences between savings and investment, as they serve different purposes. Saving involves setting aside money for future use by putting it in a safe place such as a Bank account, Fixed Deposit or other secure investments. Investing, on the other hand, involves putting money in instruments like Mutual Funds, gold, stocks, ETFs, etc., with the goal of generating additional Income or Capital gains over time.

A key difference between saving and investing is that saving gives you very less returns and is low risk. While investing can be riskier but potentially generate higher returns. In addition to this, savings tend to have guaranteed safety, while investments may involve more Volatility depending on Market conditions. Ultimately, it’s up to you how much risk you are willing to take when deciding which type of activity best suits your needs and objectives.

Savings Investing
You can meet your short-term goals and manage all the unplanned expenses You can create wealth and a Portfolio, appreciating the capital that you are investing
It is ideal for short-term gains It is ideal for long-term gains as it gives positive returns
Doesn’t provide you with high-valued returns It helps you in gaining huge returns if you are following the right investment strategies
There are no risks involved with saving money This is subjected to market risks and might include losses if you are not following the market trends and analysis
You can save your money using certificates of deposits, money-making instruments, and opening a Savings Account You can invest in stocks, Bonds, ETFs, and mutual funds to create an investment portfolio

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Use the 50-20-30 rule to Create a Balanced Financial Plan

Creating a balanced Financial plan requires a consideration of the savings vs. investment ratio. Both savings and investment are integral aspects of personal finance, and it's crucial to maintain a balance between the two to achieve long-term financial stability. The ratio is a way to determine how much of your income you should allocate toward savings and investments each month.

The rule suggests that you should divide your after-tax income into three categories:

  • Needs (50%): This category includes all of the essential expenses that you must pay each month, such as rent, loans, utilities, groceries, transportation, and insurance.

  • Savings and Debt Reduction (20%): This category includes any money that you set aside for long-term goals, such as retirement savings or paying off debt. This category is also known as your "financial cushion" because it helps you build a safety net in case of emergencies.

  • Wants (30%): This category includes any discretionary spending that you choose to make, such as eating out, entertainment, traveling or hobbies.

Following the 50-20-30 rule can help you create a balanced financial plan that allows you to meet your essential needs, save for the future, and enjoy some of the things that make life enjoyable without overspending. However, it's important to remember that this is just a guideline, and you should adjust it to fit your own unique financial situation and priorities.

Why Investing is Better than Saving

Investing offers many benefits that traditional savings accounts lack, making it an important aspect of personal finance. One major benefit of investing is the potential for higher returns than savings accounts since assets like stocks, mutual funds, and Real Estate can appreciate in value over time. By investing in these assets, individuals can earn returns that surpass the interest rates offered by savings accounts. Another advantage of investing is the ability to grow wealth through compounding, where returns are reinvested to generate even greater returns.

This helps individuals achieve their long-term Financial goals, like saving for retirement or purchasing a home. Additionally, investing allows for diversification, which can help to reduce risk by spreading investments across various sectors and industries. Overall, by understanding the advantages of investing and making informed investment decisions, individuals can achieve their financial goals and secure their financial future.

Best Mutual Funds to Invest in 2025

investing in Mutual Funds is one of the best ways to grow your money over time. As markets rise and fall, having a diversified portfolio that includes investments such as mutual funds can help cushion any losses you may incur during market downturns. The following are some of the top-rated mutual funds for 2025 you must consider to invest:

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
ICICI Prudential Infrastructure Fund Growth ₹193.86
↑ 0.68
₹7,941 100 -115.5-2.227.335.627.4
HDFC Infrastructure Fund Growth ₹47.455
↑ 0.18
₹2,540 300 016.8-426.833.223
Bandhan Infrastructure Fund Growth ₹49.876
↑ 0.21
₹1,676 100 -1.116.6-10.325.133.139.3
DSP India T.I.G.E.R Fund Growth ₹314.633
↑ 1.04
₹5,406 500 1.717.5-7.824.832.932.4
Franklin Build India Fund Growth ₹141.555
↑ 0.54
₹2,950 500 1.316.8-2.626.232.927.8
LIC MF Infrastructure Fund Growth ₹49.6826
↑ 0.30
₹1,038 1,000 021.1-3.926.131.647.8
Canara Robeco Infrastructure Growth ₹161.91
↑ 0.91
₹917 1,000 218.6-1.922.931.535.3
Nippon India Power and Infra Fund Growth ₹348.894
↑ 2.46
₹7,377 100 1.517.2-6.226.931.126.9
SBI PSU Fund Growth ₹31.6191
↑ 0.11
₹5,278 500 -1.414-428.530.623.5
Kotak Infrastructure & Economic Reform Fund Growth ₹65.497
↑ 0.12
₹2,388 1,000 0.621-8.220.330.532.4
Invesco India Infrastructure Fund Growth ₹64.08
↑ 0.39
₹1,569 500 021.3-5.824.230.133.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 Sep 25

Research Highlights & Commentary of 11 Funds showcased

CommentaryICICI Prudential Infrastructure FundHDFC Infrastructure FundBandhan Infrastructure FundDSP India T.I.G.E.R FundFranklin Build India FundLIC MF Infrastructure FundCanara Robeco InfrastructureNippon India Power and Infra FundSBI PSU FundKotak Infrastructure & Economic Reform FundInvesco India Infrastructure Fund
Point 1Highest AUM (₹7,941 Cr).Lower mid AUM (₹2,540 Cr).Lower mid AUM (₹1,676 Cr).Upper mid AUM (₹5,406 Cr).Upper mid AUM (₹2,950 Cr).Bottom quartile AUM (₹1,038 Cr).Bottom quartile AUM (₹917 Cr).Top quartile AUM (₹7,377 Cr).Upper mid AUM (₹5,278 Cr).Lower mid AUM (₹2,388 Cr).Bottom quartile AUM (₹1,569 Cr).
Point 2Established history (20+ yrs).Established history (17+ yrs).Established history (14+ yrs).Oldest track record among peers (21 yrs).Established history (16+ yrs).Established history (17+ yrs).Established history (19+ yrs).Established history (21+ yrs).Established history (15+ yrs).Established history (17+ yrs).Established history (17+ yrs).
Point 3Rating: 3★ (lower mid).Rating: 3★ (lower mid).Top rated.Rating: 4★ (upper mid).Rating: 5★ (top quartile).Not Rated.Not Rated.Rating: 4★ (upper mid).Rating: 2★ (bottom quartile).Rating: 4★ (upper mid).Rating: 3★ (lower mid).
Point 4Risk 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 55Y return: 35.64% (top quartile).5Y return: 33.25% (top quartile).5Y return: 33.14% (upper mid).5Y return: 32.93% (upper mid).5Y return: 32.91% (upper mid).5Y return: 31.64% (lower mid).5Y return: 31.54% (lower mid).5Y return: 31.06% (lower mid).5Y return: 30.55% (bottom quartile).5Y return: 30.55% (bottom quartile).5Y return: 30.07% (bottom quartile).
Point 63Y return: 27.29% (top quartile).3Y return: 26.77% (upper mid).3Y return: 25.08% (lower mid).3Y return: 24.85% (lower mid).3Y return: 26.22% (upper mid).3Y return: 26.15% (lower mid).3Y return: 22.85% (bottom quartile).3Y return: 26.87% (upper mid).3Y return: 28.54% (top quartile).3Y return: 20.29% (bottom quartile).3Y return: 24.16% (bottom quartile).
Point 71Y return: -2.19% (top quartile).1Y return: -4.01% (upper mid).1Y return: -10.27% (bottom quartile).1Y return: -7.84% (bottom quartile).1Y return: -2.57% (upper mid).1Y return: -3.92% (upper mid).1Y return: -1.86% (top quartile).1Y return: -6.17% (lower mid).1Y return: -4.02% (lower mid).1Y return: -8.21% (bottom quartile).1Y return: -5.85% (lower mid).
Point 8Alpha: 0.00 (lower mid).Alpha: 0.00 (lower mid).Alpha: 0.00 (upper mid).Alpha: 0.00 (upper mid).Alpha: 0.00 (upper mid).Alpha: 1.35 (top quartile).Alpha: 0.00 (lower mid).Alpha: -4.86 (bottom quartile).Alpha: 0.19 (top quartile).Alpha: -3.87 (bottom quartile).Alpha: 0.00 (bottom quartile).
Point 9Sharpe: -0.42 (upper mid).Sharpe: -0.56 (lower mid).Sharpe: -0.69 (bottom quartile).Sharpe: -0.65 (lower mid).Sharpe: -0.51 (upper mid).Sharpe: -0.30 (top quartile).Sharpe: -0.36 (top quartile).Sharpe: -0.65 (bottom quartile).Sharpe: -0.78 (bottom quartile).Sharpe: -0.54 (lower mid).Sharpe: -0.38 (upper mid).
Point 10Information ratio: 0.00 (lower mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.40 (top quartile).Information ratio: 0.00 (lower mid).Information ratio: 1.02 (top quartile).Information ratio: -0.27 (bottom quartile).Information ratio: 0.05 (upper mid).Information ratio: 0.00 (bottom quartile).

ICICI Prudential Infrastructure Fund

  • Highest AUM (₹7,941 Cr).
  • Established history (20+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: High.
  • 5Y return: 35.64% (top quartile).
  • 3Y return: 27.29% (top quartile).
  • 1Y return: -2.19% (top quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.42 (upper mid).
  • Information ratio: 0.00 (lower mid).

HDFC Infrastructure Fund

  • Lower mid AUM (₹2,540 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: High.
  • 5Y return: 33.25% (top quartile).
  • 3Y return: 26.77% (upper mid).
  • 1Y return: -4.01% (upper mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.56 (lower mid).
  • Information ratio: 0.00 (lower mid).

Bandhan Infrastructure Fund

  • Lower mid AUM (₹1,676 Cr).
  • Established history (14+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 33.14% (upper mid).
  • 3Y return: 25.08% (lower mid).
  • 1Y return: -10.27% (bottom quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: -0.69 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).

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

  • Upper mid AUM (₹5,406 Cr).
  • Oldest track record among peers (21 yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: High.
  • 5Y return: 32.93% (upper mid).
  • 3Y return: 24.85% (lower mid).
  • 1Y return: -7.84% (bottom quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: -0.65 (lower mid).
  • Information ratio: 0.00 (upper mid).

Franklin Build India Fund

  • Upper mid AUM (₹2,950 Cr).
  • Established history (16+ yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: High.
  • 5Y return: 32.91% (upper mid).
  • 3Y return: 26.22% (upper mid).
  • 1Y return: -2.57% (upper mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: -0.51 (upper mid).
  • Information ratio: 0.00 (upper mid).

LIC MF Infrastructure Fund

  • Bottom quartile AUM (₹1,038 Cr).
  • Established history (17+ yrs).
  • Not Rated.
  • Risk profile: High.
  • 5Y return: 31.64% (lower mid).
  • 3Y return: 26.15% (lower mid).
  • 1Y return: -3.92% (upper mid).
  • Alpha: 1.35 (top quartile).
  • Sharpe: -0.30 (top quartile).
  • Information ratio: 0.40 (top quartile).

Canara Robeco Infrastructure

  • Bottom quartile AUM (₹917 Cr).
  • Established history (19+ yrs).
  • Not Rated.
  • Risk profile: High.
  • 5Y return: 31.54% (lower mid).
  • 3Y return: 22.85% (bottom quartile).
  • 1Y return: -1.86% (top quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.36 (top quartile).
  • Information ratio: 0.00 (lower mid).

Nippon India Power and Infra Fund

  • Top quartile AUM (₹7,377 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: High.
  • 5Y return: 31.06% (lower mid).
  • 3Y return: 26.87% (upper mid).
  • 1Y return: -6.17% (lower mid).
  • Alpha: -4.86 (bottom quartile).
  • Sharpe: -0.65 (bottom quartile).
  • Information ratio: 1.02 (top quartile).

SBI PSU Fund

  • Upper mid AUM (₹5,278 Cr).
  • Established history (15+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 30.55% (bottom quartile).
  • 3Y return: 28.54% (top quartile).
  • 1Y return: -4.02% (lower mid).
  • Alpha: 0.19 (top quartile).
  • Sharpe: -0.78 (bottom quartile).
  • Information ratio: -0.27 (bottom quartile).

Kotak Infrastructure & Economic Reform Fund

  • Lower mid AUM (₹2,388 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: High.
  • 5Y return: 30.55% (bottom quartile).
  • 3Y return: 20.29% (bottom quartile).
  • 1Y return: -8.21% (bottom quartile).
  • Alpha: -3.87 (bottom quartile).
  • Sharpe: -0.54 (lower mid).
  • Information ratio: 0.05 (upper mid).

Invesco India Infrastructure Fund

  • Bottom quartile AUM (₹1,569 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: High.
  • 5Y return: 30.07% (bottom quartile).
  • 3Y return: 24.16% (bottom quartile).
  • 1Y return: -5.85% (lower mid).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: -0.38 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
*List of best mutual funds SIP's having Net Assets/ AUM more than 200 Crore in Equity Category of mutual funds ordered based on 5 year calendar year returns.

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 (₹7,941 Cr).
  • Established history (20+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: High.
  • 5Y return: 35.64% (top quartile).
  • 3Y return: 27.29% (top quartile).
  • 1Y return: -2.19% (top quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.42 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Top sector: Industrials.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~93%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Larsen & Toubro Ltd (~9.2%).

Below is the key information for ICICI Prudential Infrastructure Fund

ICICI Prudential Infrastructure Fund
Growth
Launch Date 31 Aug 05
NAV (12 Sep 25) ₹193.86 ↑ 0.68   (0.35 %)
Net Assets (Cr) ₹7,941 on 31 Jul 25
Category Equity - Sectoral
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk High
Expense Ratio 1.89
Sharpe Ratio -0.42
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.

DateValue
31 Aug 20₹10,000
31 Aug 21₹17,110
31 Aug 22₹20,943
31 Aug 23₹27,806
31 Aug 24₹44,803
31 Aug 25₹43,202

ICICI Prudential Infrastructure Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹721,906.
Net Profit of ₹421,906
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 12 Sep 25

DurationReturns
1 Month 1%
3 Month -1%
6 Month 15.5%
1 Year -2.2%
3 Year 27.3%
5 Year 35.6%
10 Year
15 Year
Since launch 15.9%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Ihab Dalwai3 Jun 178.25 Yr.
Sharmila D’mello30 Jun 223.17 Yr.

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

Equity Sector Allocation
SectorValue
Industrials38.31%
Basic Materials15.82%
Financial Services15.42%
Utility10.35%
Energy7.15%
Real Estate2.9%
Consumer Cyclical1.92%
Communication Services1.08%
Asset Allocation
Asset ClassValue
Cash7.04%
Equity92.96%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 09 | LT
9%₹727 Cr1,998,954
↑ 18,750
NTPC Ltd (Utilities)
Equity, Since 29 Feb 16 | 532555
5%₹370 Cr11,079,473
↑ 400,000
Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 May 24 | ADANIPORTS
4%₹312 Cr2,268,659
Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 23 | RELIANCE
4%₹282 Cr2,029,725
↑ 100,000
NCC Ltd (Industrials)
Equity, Since 31 Aug 21 | NCC
3%₹273 Cr12,522,005
Vedanta Ltd (Basic Materials)
Equity, Since 31 Jul 24 | 500295
3%₹267 Cr6,279,591
↑ 120,841
AIA Engineering Ltd (Industrials)
Equity, Since 28 Feb 21 | AIAENG
3%₹207 Cr660,770
Kalpataru Projects International Ltd (Industrials)
Equity, Since 30 Sep 06 | KPIL
3%₹207 Cr1,803,566
Axis Bank Ltd (Financial Services)
Equity, Since 31 Dec 20 | 532215
3%₹203 Cr1,896,057
CESC Ltd (Utilities)
Equity, Since 30 Jun 23 | CESC
2%₹198 Cr11,700,502
↓ -300,000

2. 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 (₹2,540 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: High.
  • 5Y return: 33.25% (top quartile).
  • 3Y return: 26.77% (upper mid).
  • 1Y return: -4.01% (upper mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.56 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Top sector: Industrials.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~93%).
  • Largest holding ICICI Bank Ltd (~7.6%).

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund
Growth
Launch Date 10 Mar 08
NAV (12 Sep 25) ₹47.455 ↑ 0.18   (0.38 %)
Net Assets (Cr) ₹2,540 on 31 Jul 25
Category Equity - Sectoral
AMC HDFC Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.06
Sharpe Ratio -0.56
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.

DateValue
31 Aug 20₹10,000
31 Aug 21₹16,545
31 Aug 22₹19,604
31 Aug 23₹26,941
31 Aug 24₹42,708
31 Aug 25₹39,954

HDFC Infrastructure Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹689,048.
Net Profit of ₹389,048
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 12 Sep 25

DurationReturns
1 Month 1%
3 Month 0%
6 Month 16.8%
1 Year -4%
3 Year 26.8%
5 Year 33.2%
10 Year
15 Year
Since launch
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Srinivasan Ramamurthy12 Jan 241.64 Yr.
Dhruv Muchhal22 Jun 232.2 Yr.

Data below for HDFC Infrastructure Fund as on 31 Jul 25

Equity Sector Allocation
SectorValue
Industrials38.91%
Financial Services20.57%
Basic Materials10.46%
Utility6.9%
Energy6.37%
Communication Services3.71%
Real Estate2.25%
Health Care1.77%
Technology1.36%
Consumer Cyclical0.47%
Asset Allocation
Asset ClassValue
Cash7.23%
Equity92.77%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK
8%₹193 Cr1,300,000
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 23 | HDFCBANK
6%₹141 Cr700,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT
5%₹138 Cr380,000
J Kumar Infraprojects Ltd (Industrials)
Equity, Since 31 Oct 15 | JKIL
4%₹99 Cr1,400,000
InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Dec 21 | INDIGO
3%₹89 Cr150,000
Kalpataru Projects International Ltd (Industrials)
Equity, Since 31 Jan 23 | KPIL
3%₹87 Cr758,285
NTPC Ltd (Utilities)
Equity, Since 31 Dec 17 | 532555
3%₹74 Cr2,200,000
Reliance Industries Ltd (Energy)
Equity, Since 31 May 24 | RELIANCE
3%₹70 Cr500,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 20 | BHARTIARTL
3%₹67 Cr350,000
G R Infraprojects Ltd (Industrials)
Equity, Since 31 Jul 21 | 543317
2%₹57 Cr470,000

3. 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 (₹1,676 Cr).
  • Established history (14+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 33.14% (upper mid).
  • 3Y return: 25.08% (lower mid).
  • 1Y return: -10.27% (bottom quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: -0.69 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Higher exposure to Industrials vs peer median.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~91%).
  • Largest holding Kirloskar Brothers Ltd (~5.2%).

Below is the key information for Bandhan Infrastructure Fund

Bandhan Infrastructure Fund
Growth
Launch Date 8 Mar 11
NAV (12 Sep 25) ₹49.876 ↑ 0.21   (0.42 %)
Net Assets (Cr) ₹1,676 on 31 Jul 25
Category Equity - Sectoral
AMC IDFC Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.1
Sharpe Ratio -0.69
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.

DateValue
31 Aug 20₹10,000
31 Aug 21₹19,221
31 Aug 22₹20,185
31 Aug 23₹26,032
31 Aug 24₹45,976
31 Aug 25₹39,818

Bandhan Infrastructure Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹689,048.
Net Profit of ₹389,048
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 12 Sep 25

DurationReturns
1 Month 1.4%
3 Month -1.1%
6 Month 16.6%
1 Year -10.3%
3 Year 25.1%
5 Year 33.1%
10 Year
15 Year
Since launch 11.7%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Vishal Biraia24 Jan 241.6 Yr.
Ritika Behera7 Oct 231.9 Yr.
Gaurav Satra7 Jun 241.24 Yr.

Data below for Bandhan Infrastructure Fund as on 31 Jul 25

Equity Sector Allocation
SectorValue
Industrials52.91%
Utility12.23%
Basic Materials7.2%
Communication Services4.75%
Energy3.76%
Financial Services3.28%
Health Care2.19%
Technology1.74%
Consumer Cyclical1.38%
Real Estate1.08%
Asset Allocation
Asset ClassValue
Cash9.47%
Equity90.53%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Dec 17 | KIRLOSBROS
5%₹87 Cr443,385
Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 12 | LT
4%₹75 Cr206,262
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 19 | BHARTIARTL
4%₹63 Cr330,018
Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 24 | RELIANCE
4%₹63 Cr452,706
UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Mar 14 | 532538
4%₹61 Cr49,772
↓ -680
GPT Infraprojects Ltd (Industrials)
Equity, Since 30 Nov 17 | GPTINFRA
4%₹61 Cr4,733,244
↓ -49,289
Bharat Electronics Ltd (Industrials)
Equity, Since 31 Oct 19 | BEL
3%₹55 Cr1,431,700
PTC India Financial Services Ltd (Financial Services)
Equity, Since 31 Dec 23 | PFS
3%₹52 Cr12,400,122
Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 Dec 23 | ADANIPORTS
3%₹50 Cr365,137
Ahluwalia Contracts (India) Ltd (Industrials)
Equity, Since 30 Apr 15 | AHLUCONT
3%₹47 Cr462,606

4. 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 (₹5,406 Cr).
  • Oldest track record among peers (21 yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: High.
  • 5Y return: 32.93% (upper mid).
  • 3Y return: 24.85% (lower mid).
  • 1Y return: -7.84% (bottom quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: -0.65 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Top sector: Industrials.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~92%).
  • Largest holding Larsen & Toubro Ltd (~4.7%).

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 (12 Sep 25) ₹314.633 ↑ 1.04   (0.33 %)
Net Assets (Cr) ₹5,406 on 31 Jul 25
Category Equity - Sectoral
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk High
Expense Ratio 1.89
Sharpe Ratio -0.65
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.

DateValue
31 Aug 20₹10,000
31 Aug 21₹17,810
31 Aug 22₹20,079
31 Aug 23₹26,946
31 Aug 24₹44,026
31 Aug 25₹39,306

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

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹673,113.
Net Profit of ₹373,113
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 12 Sep 25

DurationReturns
1 Month 2.6%
3 Month 1.7%
6 Month 17.5%
1 Year -7.8%
3 Year 24.8%
5 Year 32.9%
10 Year
15 Year
Since launch 17.6%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Rohit Singhania21 Jun 1015.21 Yr.

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

Equity Sector Allocation
SectorValue
Industrials29.21%
Basic Materials15%
Utility10.69%
Consumer Cyclical9.02%
Financial Services8.65%
Health Care7.07%
Energy5.32%
Communication Services2.54%
Technology2.17%
Real Estate1.49%
Consumer Defensive1.18%
Asset Allocation
Asset ClassValue
Cash7.67%
Equity92.33%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 04 | LT
5%₹254 Cr697,669
NTPC Ltd (Utilities)
Equity, Since 30 Nov 17 | 532555
4%₹239 Cr7,145,883
Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 31 Dec 24 | APOLLOHOSP
3%₹184 Cr245,928
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Dec 24 | AMBER
3%₹165 Cr207,277
Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jan 25 | 532898
3%₹162 Cr5,567,574
Kirloskar Oil Engines Ltd (Industrials)
Equity, Since 31 Mar 23 | KIRLOSENG
3%₹145 Cr1,608,534
Rainbow Childrens Medicare Ltd (Healthcare)
Equity, Since 31 Jan 25 | 543524
3%₹143 Cr935,870
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 18 | BHARTIARTL
2%₹132 Cr688,435
Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 31 May 25 | MCX
2%₹126 Cr164,204
Coal India Ltd (Energy)
Equity, Since 31 Dec 23 | COALINDIA
2%₹125 Cr3,321,453

5. 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 (₹2,950 Cr).
  • Established history (16+ yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: High.
  • 5Y return: 32.91% (upper mid).
  • 3Y return: 26.22% (upper mid).
  • 1Y return: -2.57% (upper mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: -0.51 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Top sector: Industrials.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~96%).
  • Largest holding Larsen & Toubro Ltd (~8.2%).

Below is the key information for Franklin Build India Fund

Franklin Build India Fund
Growth
Launch Date 4 Sep 09
NAV (12 Sep 25) ₹141.555 ↑ 0.54   (0.38 %)
Net Assets (Cr) ₹2,950 on 31 Jul 25
Category Equity - Sectoral
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk High
Expense Ratio 2.01
Sharpe Ratio -0.51
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.

DateValue
31 Aug 20₹10,000
31 Aug 21₹17,164
31 Aug 22₹19,308
31 Aug 23₹25,108
31 Aug 24₹41,493
31 Aug 25₹38,961

Franklin Build India Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹673,113.
Net Profit of ₹373,113
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 12 Sep 25

DurationReturns
1 Month 1.5%
3 Month 1.3%
6 Month 16.8%
1 Year -2.6%
3 Year 26.2%
5 Year 32.9%
10 Year
15 Year
Since launch 18%
Historical performance (Yearly) on absolute basis
YearReturns
2024 27.8%
2023 51.1%
2022 11.2%
2021 45.9%
2020 5.4%
2019 6%
2018 -10.7%
2017 43.3%
2016 8.4%
2015 2.1%
Fund Manager information for Franklin Build India Fund
NameSinceTenure
Ajay Argal18 Oct 213.87 Yr.
Kiran Sebastian7 Feb 223.57 Yr.
Sandeep Manam18 Oct 213.87 Yr.

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

Equity Sector Allocation
SectorValue
Industrials35.65%
Utility13.57%
Energy12.61%
Financial Services11.6%
Communication Services7.94%
Basic Materials5.39%
Real Estate3.3%
Consumer Cyclical3.01%
Technology2.56%
Asset Allocation
Asset ClassValue
Cash4.35%
Equity95.65%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 20 | LT
8%₹242 Cr665,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 12 | ICICIBANK
6%₹178 Cr1,200,000
InterGlobe Aviation Ltd (Industrials)
Equity, Since 29 Feb 20 | INDIGO
6%₹177 Cr300,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 21 | RELIANCE
6%₹167 Cr1,200,000
Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 30 Jun 19 | 500312
5%₹154 Cr6,400,000
↑ 400,000
NTPC Ltd (Utilities)
Equity, Since 30 Nov 16 | 532555
5%₹138 Cr4,125,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 09 | BHARTIARTL
5%₹136 Cr710,000
Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 12 | 532215
4%₹107 Cr1,000,000
Power Grid Corp Of India Ltd (Utilities)
Equity, Since 28 Feb 21 | 532898
4%₹105 Cr3,600,000
Sobha Ltd (Real Estate)
Equity, Since 31 Aug 17 | SOBHA
3%₹88 Cr547,553

6. 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 (₹1,038 Cr).
  • Established history (17+ yrs).
  • Not Rated.
  • Risk profile: High.
  • 5Y return: 31.64% (lower mid).
  • 3Y return: 26.15% (lower mid).
  • 1Y return: -3.92% (upper mid).
  • Alpha: 1.35 (top quartile).
  • Sharpe: -0.30 (top quartile).
  • Information ratio: 0.40 (top quartile).
  • Higher exposure to Industrials vs peer median.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~95%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Shakti Pumps (India) Ltd (~6.0%).

Below is the key information for LIC MF Infrastructure Fund

LIC MF Infrastructure Fund
Growth
Launch Date 29 Feb 08
NAV (12 Sep 25) ₹49.6826 ↑ 0.30   (0.60 %)
Net Assets (Cr) ₹1,038 on 31 Jul 25
Category Equity - Sectoral
AMC LIC Mutual Fund Asset Mgmt Co Ltd
Rating Not Rated
Risk High
Expense Ratio 2.21
Sharpe Ratio -0.3
Information Ratio 0.4
Alpha Ratio 1.35
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.

DateValue
31 Aug 20₹10,000
31 Aug 21₹16,396
31 Aug 22₹18,753
31 Aug 23₹23,082
31 Aug 24₹41,121
31 Aug 25₹37,159

LIC MF Infrastructure Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹657,502.
Net Profit of ₹357,502
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 12 Sep 25

DurationReturns
1 Month 3.4%
3 Month 0%
6 Month 21.1%
1 Year -3.9%
3 Year 26.1%
5 Year 31.6%
10 Year
15 Year
Since launch 9.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 47.8%
2023 44.4%
2022 7.9%
2021 46.6%
2020 -0.1%
2019 13.3%
2018 -14.6%
2017 42.2%
2016 -2.2%
2015 -6.2%
Fund Manager information for LIC MF Infrastructure Fund
NameSinceTenure
Yogesh Patil18 Sep 204.96 Yr.
Mahesh Bendre1 Jul 241.17 Yr.

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

Equity Sector Allocation
SectorValue
Industrials49.62%
Basic Materials8.63%
Financial Services8.16%
Consumer Cyclical6.96%
Utility6.68%
Technology4.17%
Health Care3.87%
Real Estate3.65%
Communication Services2.48%
Energy0.92%
Asset Allocation
Asset ClassValue
Cash4.87%
Equity95.13%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Shakti Pumps (India) Ltd (Industrials)
Equity, Since 31 Mar 24 | SHAKTIPUMP
6%₹62 Cr693,857
↑ 217,865
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Apr 09 | LT
4%₹40 Cr109,584
↑ 6,093
REC Ltd (Financial Services)
Equity, Since 31 Jul 23 | 532955
3%₹36 Cr911,009
↑ 289,485
Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 30 Jun 25 | APOLLOHOSP
3%₹35 Cr46,843
↑ 6,976
Garware Hi-Tech Films Ltd (Basic Materials)
Equity, Since 31 Aug 23 | 500655
3%₹33 Cr94,287
Schneider Electric Infrastructure Ltd (Industrials)
Equity, Since 31 Dec 23 | SCHNEIDER
3%₹32 Cr319,302
Afcons Infrastructure Ltd (Industrials)
Equity, Since 31 Oct 24 | AFCONS
3%₹31 Cr769,765
Tata Power Co Ltd (Utilities)
Equity, Since 29 Feb 24 | 500400
3%₹29 Cr724,927
Avalon Technologies Ltd (Technology)
Equity, Since 31 Jul 23 | AVALON
3%₹26 Cr310,615
↓ -6,871
Mahindra Lifespace Developers Ltd (Real Estate)
Equity, Since 30 Jun 24 | MAHLIFE
2%₹25 Cr666,245

7. 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 (₹917 Cr).
  • Established history (19+ yrs).
  • Not Rated.
  • Risk profile: High.
  • 5Y return: 31.54% (lower mid).
  • 3Y return: 22.85% (bottom quartile).
  • 1Y return: -1.86% (top quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.36 (top quartile).
  • 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 (~7.8%).

Below is the key information for Canara Robeco Infrastructure

Canara Robeco Infrastructure
Growth
Launch Date 2 Dec 05
NAV (12 Sep 25) ₹161.91 ↑ 0.91   (0.57 %)
Net Assets (Cr) ₹917 on 31 Jul 25
Category Equity - Sectoral
AMC Canara Robeco Asset Management Co. Ltd.
Rating Not Rated
Risk High
Expense Ratio 2.32
Sharpe Ratio -0.36
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.

DateValue
31 Aug 20₹10,000
31 Aug 21₹17,138
31 Aug 22₹20,330
31 Aug 23₹23,805
31 Aug 24₹39,908
31 Aug 25₹38,048

Canara Robeco Infrastructure SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹657,502.
Net Profit of ₹357,502
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 12 Sep 25

DurationReturns
1 Month 2.1%
3 Month 2%
6 Month 18.6%
1 Year -1.9%
3 Year 22.9%
5 Year 31.5%
10 Year
15 Year
Since launch 15.1%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Vishal Mishra26 Jun 214.19 Yr.
Shridatta Bhandwaldar29 Sep 186.93 Yr.

Data below for Canara Robeco Infrastructure as on 31 Jul 25

Equity Sector Allocation
SectorValue
Industrials45.06%
Utility12.61%
Basic Materials10.12%
Energy8.15%
Financial Services6.69%
Technology5.72%
Consumer Cyclical2.94%
Communication Services2.85%
Real Estate1.37%
Asset Allocation
Asset ClassValue
Cash4.48%
Equity95.52%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Larsen & Toubro Ltd (Industrials)
Equity, Since 28 Feb 11 | LT
8%₹72 Cr197,901
↑ 5,000
Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 22 | RELIANCE
4%₹39 Cr279,250
↑ 15,000
NTPC Ltd (Utilities)
Equity, Since 30 Nov 18 | 532555
4%₹36 Cr1,066,480
InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Jan 23 | INDIGO
4%₹34 Cr58,250
State Bank of India (Financial Services)
Equity, Since 31 Jul 24 | SBIN
4%₹34 Cr430,000
Bharat Electronics Ltd (Industrials)
Equity, Since 31 Jul 19 | BEL
4%₹33 Cr869,000
↓ -50,000
GE Vernova T&D India Ltd (Industrials)
Equity, Since 31 Jan 24 | 522275
4%₹33 Cr119,833
↓ -3,000
Dixon Technologies (India) Ltd (Technology)
Equity, Since 31 Oct 23 | DIXON
3%₹32 Cr18,950
↑ 1,750
Tata Power Co Ltd (Utilities)
Equity, Since 30 Sep 24 | 500400
3%₹31 Cr785,000
Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Oct 09 | 532898
3%₹28 Cr957,546

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

  • Top quartile AUM (₹7,377 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: High.
  • 5Y return: 31.06% (lower mid).
  • 3Y return: 26.87% (upper mid).
  • 1Y return: -6.17% (lower mid).
  • Alpha: -4.86 (bottom quartile).
  • Sharpe: -0.65 (bottom quartile).
  • Information ratio: 1.02 (top quartile).
  • Top sector: Industrials.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~99%).
  • Largest holding Reliance Industries Ltd (~8.1%).

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 (12 Sep 25) ₹348.894 ↑ 2.46   (0.71 %)
Net Assets (Cr) ₹7,377 on 31 Jul 25
Category Equity - Sectoral
AMC Nippon Life Asset Management Ltd.
Rating
Risk High
Expense Ratio 1.85
Sharpe Ratio -0.65
Information Ratio 1.02
Alpha Ratio -4.86
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.

DateValue
31 Aug 20₹10,000
31 Aug 21₹16,203
31 Aug 22₹17,964
31 Aug 23₹24,415
31 Aug 24₹40,684
31 Aug 25₹36,526

Nippon India Power and Infra Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹657,502.
Net Profit of ₹357,502
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 12 Sep 25

DurationReturns
1 Month 3.7%
3 Month 1.5%
6 Month 17.2%
1 Year -6.2%
3 Year 26.9%
5 Year 31.1%
10 Year
15 Year
Since launch 18.1%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Kinjal Desai25 May 187.28 Yr.
Rahul Modi19 Aug 241.04 Yr.

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

Equity Sector Allocation
SectorValue
Industrials36.81%
Utility23.31%
Energy9.39%
Basic Materials7.62%
Communication Services6.62%
Consumer Cyclical5.95%
Real Estate2.85%
Financial Services2.21%
Health Care2.13%
Technology1.83%
Asset Allocation
Asset ClassValue
Cash1.28%
Equity98.72%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 18 | RELIANCE
8%₹594 Cr4,275,000
↑ 75,000
NTPC Ltd (Utilities)
Equity, Since 31 May 09 | 532555
8%₹558 Cr16,699,999
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 18 | BHARTIARTL
7%₹488 Cr2,550,000
↓ -50,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 07 | LT
6%₹442 Cr1,214,337
↓ -100,000
Tata Power Co Ltd (Utilities)
Equity, Since 30 Apr 23 | 500400
4%₹314 Cr7,900,789
CG Power & Industrial Solutions Ltd (Industrials)
Equity, Since 30 Sep 24 | 500093
3%₹239 Cr3,617,014
↑ 509,091
UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Oct 19 | 532538
3%₹214 Cr175,000
Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 30 Sep 24 | 500103
3%₹208 Cr8,713,730
Kaynes Technology India Ltd (Industrials)
Equity, Since 30 Nov 22 | KAYNES
3%₹208 Cr336,227
Carborundum Universal Ltd (Industrials)
Equity, Since 30 Sep 23 | CARBORUNIV
2%₹168 Cr1,800,000

9. 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 (₹5,278 Cr).
  • Established history (15+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 30.55% (bottom quartile).
  • 3Y return: 28.54% (top quartile).
  • 1Y return: -4.02% (lower mid).
  • Alpha: 0.19 (top quartile).
  • Sharpe: -0.78 (bottom quartile).
  • Information ratio: -0.27 (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 (~13.9%).

Below is the key information for SBI PSU Fund

SBI PSU Fund
Growth
Launch Date 7 Jul 10
NAV (12 Sep 25) ₹31.6191 ↑ 0.11   (0.36 %)
Net Assets (Cr) ₹5,278 on 31 Jul 25
Category Equity - Sectoral
AMC SBI Funds Management Private Limited
Rating
Risk High
Expense Ratio 1.89
Sharpe Ratio -0.78
Information Ratio -0.27
Alpha Ratio 0.19
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.

DateValue
31 Aug 20₹10,000
31 Aug 21₹14,312
31 Aug 22₹16,867
31 Aug 23₹22,201
31 Aug 24₹40,343
31 Aug 25₹35,635

SBI PSU Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹642,208.
Net Profit of ₹342,208
Invest Now

Returns for SBI PSU Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Sep 25

DurationReturns
1 Month 1.1%
3 Month -1.4%
6 Month 14%
1 Year -4%
3 Year 28.5%
5 Year 30.6%
10 Year
15 Year
Since launch 7.9%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Rohit Shimpi1 Jun 241.25 Yr.

Data below for SBI PSU Fund as on 31 Jul 25

Equity Sector Allocation
SectorValue
Financial Services34.8%
Utility29.58%
Energy15.36%
Industrials12.07%
Basic Materials5.49%
Asset Allocation
Asset ClassValue
Cash2.6%
Equity97.31%
Debt0.09%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
State Bank of India (Financial Services)
Equity, Since 31 Jul 10 | SBIN
14%₹735 Cr9,227,500
↑ 650,000
Bharat Electronics Ltd (Industrials)
Equity, Since 30 Jun 24 | BEL
9%₹497 Cr12,975,000
NTPC Ltd (Utilities)
Equity, Since 31 Jul 10 | 532555
9%₹486 Cr14,543,244
↑ 2,400,000
Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jul 10 | 532898
9%₹481 Cr16,535,554
↑ 1,400,000
GAIL (India) Ltd (Utilities)
Equity, Since 31 May 24 | 532155
9%₹458 Cr25,750,000
Bharat Petroleum Corp Ltd (Energy)
Equity, Since 31 Aug 24 | 500547
6%₹319 Cr9,700,000
Bank of Baroda (Financial Services)
Equity, Since 31 Aug 24 | 532134
5%₹262 Cr11,000,000
NMDC Ltd (Basic Materials)
Equity, Since 31 Oct 23 | 526371
4%₹198 Cr27,900,000
Oil India Ltd (Energy)
Equity, Since 31 Mar 24 | OIL
3%₹169 Cr3,850,000
General Insurance Corp of India (Financial Services)
Equity, Since 31 May 24 | 540755
3%₹163 Cr4,150,000

10. Kotak Infrastructure & Economic Reform Fund

The investment objective of the Scheme is to generate long-term capital appreciation from a diversified portfolio of predominantly (at least 65%) equity and equity-related securities of companies involved in economic development of India as a result of potential investments in infrastructure and unfolding economic reforms.

Research Highlights for Kotak Infrastructure & Economic Reform Fund

  • Lower mid AUM (₹2,388 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: High.
  • 5Y return: 30.55% (bottom quartile).
  • 3Y return: 20.29% (bottom quartile).
  • 1Y return: -8.21% (bottom quartile).
  • Alpha: -3.87 (bottom quartile).
  • Sharpe: -0.54 (lower mid).
  • Information ratio: 0.05 (upper mid).
  • Higher exposure to Industrials vs peer median.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~99%).
  • Largest holding Bharti Airtel Ltd (~7.4%).

Below is the key information for Kotak Infrastructure & Economic Reform Fund

Kotak Infrastructure & Economic Reform Fund
Growth
Launch Date 25 Feb 08
NAV (12 Sep 25) ₹65.497 ↑ 0.12   (0.18 %)
Net Assets (Cr) ₹2,388 on 31 Jul 25
Category Equity - Sectoral
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk High
Expense Ratio 2.01
Sharpe Ratio -0.54
Information Ratio 0.05
Alpha Ratio -3.87
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.

DateValue
31 Aug 20₹10,000
31 Aug 21₹17,231
31 Aug 22₹20,526
31 Aug 23₹25,737
31 Aug 24₹39,858
31 Aug 25₹35,926

Kotak Infrastructure & Economic Reform Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹642,208.
Net Profit of ₹342,208
Invest Now

Returns for Kotak Infrastructure & Economic Reform Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Sep 25

DurationReturns
1 Month 2.6%
3 Month 0.6%
6 Month 21%
1 Year -8.2%
3 Year 20.3%
5 Year 30.5%
10 Year
15 Year
Since launch 11.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024 32.4%
2023 37.3%
2022 15.6%
2021 57.3%
2020 3.4%
2019 3.6%
2018 -19.6%
2017 45.3%
2016 9.2%
2015 -0.2%
Fund Manager information for Kotak Infrastructure & Economic Reform Fund
NameSinceTenure
Nalin Bhatt1 Oct 231.92 Yr.

Data below for Kotak Infrastructure & Economic Reform Fund as on 31 Jul 25

Equity Sector Allocation
SectorValue
Industrials44.55%
Basic Materials14.91%
Communication Services10.97%
Consumer Cyclical10.29%
Energy8.35%
Utility4.88%
Real Estate2.05%
Financial Services1.72%
Technology1.21%
Asset Allocation
Asset ClassValue
Cash0.97%
Equity99.03%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 20 | BHARTIARTL
7%₹177 Cr927,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Mar 25 | RELIANCE
5%₹125 Cr900,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 28 Feb 15 | LT
5%₹113 Cr310,000
Shree Cement Ltd (Basic Materials)
Equity, Since 31 Dec 11 | 500387
5%₹108 Cr35,000
Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 15 | SOLARINDS
3%₹77 Cr54,000
↓ -18,000
UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Mar 15 | 532538
3%₹73 Cr60,000
Kalpataru Projects International Ltd (Industrials)
Equity, Since 31 Aug 17 | KPIL
3%₹73 Cr639,927
Bosch Ltd (Consumer Cyclical)
Equity, Since 30 Sep 24 | 500530
3%₹71 Cr17,500
Kajaria Ceramics Ltd (Industrials)
Equity, Since 31 Oct 16 | 500233
3%₹60 Cr510,000
↓ -90,000
VST Tillers Tractors Ltd (Industrials)
Equity, Since 30 Apr 24 | VSTTILLERS
3%₹60 Cr130,659

11. Invesco India Infrastructure Fund

The Scheme seeks to provide long term capital appreciation by investing in a portfolio that is predominantly constituted of equity and equity related instruments of infrastructure companies. However, there can be no assurance that the investment objective of the Scheme will be achieved.

Research Highlights for Invesco India Infrastructure Fund

  • Bottom quartile AUM (₹1,569 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: High.
  • 5Y return: 30.07% (bottom quartile).
  • 3Y return: 24.16% (bottom quartile).
  • 1Y return: -5.85% (lower mid).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: -0.38 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Higher exposure to Industrials vs peer median.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~99%).
  • Largest holding Bharti Airtel Ltd (~6.4%).

Below is the key information for Invesco India Infrastructure Fund

Invesco India Infrastructure Fund
Growth
Launch Date 21 Nov 07
NAV (12 Sep 25) ₹64.08 ↑ 0.39   (0.61 %)
Net Assets (Cr) ₹1,569 on 31 Jul 25
Category Equity - Sectoral
AMC Invesco Asset Management (India) Private Ltd
Rating
Risk High
Expense Ratio 2.09
Sharpe Ratio -0.38
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.

DateValue
31 Aug 20₹10,000
31 Aug 21₹16,507
31 Aug 22₹18,498
31 Aug 23₹22,765
31 Aug 24₹38,345
31 Aug 25₹35,557

Invesco India Infrastructure Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹642,208.
Net Profit of ₹342,208
Invest Now

Returns for Invesco India 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 12 Sep 25

DurationReturns
1 Month 2.4%
3 Month 0%
6 Month 21.3%
1 Year -5.8%
3 Year 24.2%
5 Year 30.1%
10 Year
15 Year
Since launch 11%
Historical performance (Yearly) on absolute basis
YearReturns
2024 33.2%
2023 51.1%
2022 2.3%
2021 55.4%
2020 16.2%
2019 6.1%
2018 -15.8%
2017 48.1%
2016 0.8%
2015 -2.6%
Fund Manager information for Invesco India Infrastructure Fund
NameSinceTenure
Amit Nigam3 Sep 205 Yr.
Sagar Gandhi1 Mar 250.5 Yr.

Data below for Invesco India Infrastructure Fund as on 31 Jul 25

Equity Sector Allocation
SectorValue
Industrials55.46%
Basic Materials9.93%
Consumer Cyclical8.6%
Communication Services6.36%
Utility5.32%
Real Estate4.39%
Health Care3.71%
Technology2.91%
Energy2.3%
Asset Allocation
Asset ClassValue
Cash1.03%
Equity98.97%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Aug 21 | BHARTIARTL
6%₹100 Cr521,351
Delhivery Ltd (Industrials)
Equity, Since 31 Aug 24 | 543529
5%₹72 Cr1,698,708
Supreme Industries Ltd (Industrials)
Equity, Since 30 Apr 24 | 509930
4%₹63 Cr146,832
↓ -3,558
PTC Industries Ltd (Industrials)
Equity, Since 30 Sep 24 | 539006
3%₹53 Cr35,841
Ramco Cements Ltd (Basic Materials)
Equity, Since 31 Jul 23 | RAMCOCEM
3%₹53 Cr448,912
ZF Commercial Vehicle Control Systems India Ltd (Consumer Cyclical)
Equity, Since 30 Jun 23 | ZFCVINDIA
3%₹49 Cr37,138
Power Grid Corp Of India Ltd (Utilities)
Equity, Since 30 Apr 22 | 532898
3%₹48 Cr1,650,305
↓ -325,287
Indian Railway Catering And Tourism Corp Ltd (Industrials)
Equity, Since 30 Apr 24 | IRCTC
3%₹47 Cr642,726
↓ -41,062
Honeywell Automation India Ltd (Industrials)
Equity, Since 30 Sep 20 | HONAUT
3%₹46 Cr11,992
↑ 4,698
Dixon Technologies (India) Ltd (Technology)
Equity, Since 30 Sep 22 | DIXON
3%₹46 Cr27,141
↓ -4,935

Conclusion

When it comes to making investment decisions, it's important to have a solid understanding of the options available to you. Investing in ETFs and mutual funds can offer a diversified portfolio, but it's crucial to assess your financial goals, risk tolerance, and time horizon before making any investment decisions. Without proper guidance or professional support, it can be challenging to navigate the complex world of investing.

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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