
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.

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!
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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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.
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.
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:
 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.   Below is the key information for ICICI Prudential Infrastructure Fund   Returns up to 1 year are on   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   Below is the key information for HDFC Infrastructure Fund   Returns up to 1 year are on   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   Below is the key information for SBI PSU Fund   Returns up to 1 year are on   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   Below is the key information for Franklin Build India Fund   Returns up to 1 year are on   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   Below is the key information for DSP India T.I.G.E.R Fund   Returns up to 1 year are on   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   Below is the key information for Bandhan Infrastructure Fund   Returns up to 1 year are on   (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   Below is the key information for Nippon India Power and Infra Fund   Returns up to 1 year are on   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   Below is the key information for Canara Robeco Infrastructure   Returns up to 1 year are on   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   Below is the key information for LIC MF Infrastructure Fund   Returns up to 1 year are on   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   Below is the key information for Invesco India PSU Equity Fund   Returns up to 1 year are on   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   Below is the key information for Kotak Infrastructure & Economic Reform Fund   Returns up to 1 year are on Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) ICICI Prudential Infrastructure Fund Growth  ₹202.16  
 ↓ -0.54 ₹7,645  100  4.2 11.8 7 28.4 38 27.4 HDFC Infrastructure Fund Growth  ₹48.931  
 ↓ -0.09 ₹2,483  300  2.7 9.5 3.8 28.8 35.6 23 SBI PSU Fund Growth  ₹33.6696  
 ↓ -0.04 ₹5,179  500  6.7 8.4 5.5 30.6 33.8 23.5 Franklin Build India Fund Growth  ₹146.942  
 ↓ -0.71 ₹2,884  500  4.5 11.1 5.1 27.9 33.7 27.8 DSP India T.I.G.E.R Fund Growth  ₹320.251  
 ↓ -0.44 ₹5,303  500  2.7 10.8 -0.6 26.4 33.3 32.4 Bandhan Infrastructure Fund Growth  ₹50.363  
 ↓ -0.10 ₹1,613  100  0.4 6.5 -1.3 27.5 33.1 39.3 Nippon India Power and Infra Fund Growth  ₹359.516  
 ↓ -0.53 ₹7,175  100  5.2 9.7 3.3 28.2 33 26.9 Canara Robeco Infrastructure Growth  ₹165.3  
 ↓ -0.27 ₹889  1,000  3.8 11.4 4.8 26.3 32.6 35.3 LIC MF Infrastructure Fund Growth  ₹51.1156  
 ↑ 0.08 ₹995  1,000  3.3 15.6 3.9 28.9 31.7 47.8 Invesco India PSU Equity Fund Growth  ₹66.31  
 ↓ -0.12 ₹1,341  500  6 9.7 5.5 30.1 31.4 25.6 Kotak Infrastructure & Economic Reform Fund Growth  ₹67.221  
 ↑ 0.49 ₹2,313  1,000  2.7 12.9 1.2 22.7 31.2 32.4 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Oct 25   Research Highlights & Commentary of 11 Funds showcased
Commentary ICICI Prudential Infrastructure Fund HDFC Infrastructure Fund SBI PSU Fund Franklin Build India Fund DSP India T.I.G.E.R Fund Bandhan Infrastructure Fund Nippon India Power and Infra Fund Canara Robeco Infrastructure LIC MF Infrastructure Fund Invesco India PSU Equity Fund Kotak Infrastructure & Economic Reform Fund Point 1 Highest AUM (₹7,645 Cr). Lower mid AUM (₹2,483 Cr). Upper mid AUM (₹5,179 Cr). Upper mid AUM (₹2,884 Cr). Upper mid AUM (₹5,303 Cr). Lower mid AUM (₹1,613 Cr). Top quartile AUM (₹7,175 Cr). Bottom quartile AUM (₹889 Cr). Bottom quartile AUM (₹995 Cr). Bottom quartile AUM (₹1,341 Cr). Lower mid AUM (₹2,313 Cr). Point 2 Established history (20+ yrs). Established history (17+ yrs). Established history (15+ yrs). Established history (16+ yrs). Oldest track record among peers (21 yrs). Established history (14+ yrs). Established history (21+ yrs). Established history (19+ yrs). Established history (17+ yrs). Established history (15+ yrs). Established history (17+ yrs). Point 3 Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). Rating: 5★ (top quartile). Rating: 4★ (upper mid). Top rated. Rating: 4★ (upper mid). Not Rated. Not Rated. Rating: 3★ (lower mid). Rating: 4★ (upper mid). 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: 38.01% (top quartile). 5Y return: 35.59% (top quartile). 5Y return: 33.77% (upper mid). 5Y return: 33.74% (upper mid). 5Y return: 33.26% (upper mid). 5Y return: 33.06% (lower mid). 5Y return: 33.05% (lower mid). 5Y return: 32.57% (lower mid). 5Y return: 31.71% (bottom quartile). 5Y return: 31.38% (bottom quartile). 5Y return: 31.17% (bottom quartile). Point 6 3Y return: 28.39% (upper mid). 3Y return: 28.81% (upper mid). 3Y return: 30.64% (top quartile). 3Y return: 27.94% (lower mid). 3Y return: 26.44% (bottom quartile). 3Y return: 27.45% (lower mid). 3Y return: 28.18% (lower mid). 3Y return: 26.27% (bottom quartile). 3Y return: 28.90% (upper mid). 3Y return: 30.11% (top quartile). 3Y return: 22.74% (bottom quartile). Point 7 1Y return: 6.98% (top quartile). 1Y return: 3.77% (lower mid). 1Y return: 5.49% (top quartile). 1Y return: 5.08% (upper mid). 1Y return: -0.58% (bottom quartile). 1Y return: -1.26% (bottom quartile). 1Y return: 3.32% (lower mid). 1Y return: 4.83% (upper mid). 1Y return: 3.93% (lower mid). 1Y return: 5.46% (upper mid). 1Y return: 1.19% (bottom quartile). Point 8 Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Alpha: -0.35 (lower mid). Alpha: 0.00 (upper mid). Alpha: 0.00 (upper mid). Alpha: 0.00 (top quartile). Alpha: -3.51 (bottom quartile). Alpha: 0.00 (lower mid). Alpha: -1.71 (bottom quartile). Alpha: 5.81 (top quartile). Alpha: -1.88 (bottom quartile). Point 9 Sharpe: -0.48 (upper mid). Sharpe: -0.64 (lower mid). Sharpe: -0.81 (bottom quartile). Sharpe: -0.64 (lower mid). Sharpe: -0.71 (bottom quartile). Sharpe: -0.71 (bottom quartile). Sharpe: -0.66 (lower mid). Sharpe: -0.41 (top quartile). Sharpe: -0.46 (top quartile). Sharpe: -0.58 (upper mid). Sharpe: -0.52 (upper mid). Point 10 Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: -0.37 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.79 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.34 (top quartile). Information ratio: -0.46 (bottom quartile). Information ratio: -0.04 (bottom quartile). ICICI Prudential Infrastructure Fund
HDFC Infrastructure Fund
SBI PSU Fund
Franklin Build India Fund
DSP India T.I.G.E.R Fund
Bandhan Infrastructure Fund
Nippon India Power and Infra Fund
Canara Robeco Infrastructure
LIC MF Infrastructure Fund
Invesco India PSU Equity Fund
Kotak Infrastructure & Economic Reform Fund
200 Crore in Equity Category of mutual funds ordered based on 5 year calendar year returns.
1. ICICI Prudential Infrastructure Fund
ICICI Prudential Infrastructure Fund 
 Growth Launch Date   31 Aug 05  NAV (30 Oct 25)   ₹202.16  ↓ -0.54   (-0.27 %)  Net Assets (Cr)   ₹7,645 on 31 Aug 25  Category  Equity - Sectoral AMC   ICICI Prudential Asset Management Company Limited  Rating  ☆☆☆ Risk  High Expense Ratio  1.89 Sharpe Ratio  -0.48 Information Ratio  0 Alpha Ratio  0 Min Investment   5,000  Min SIP Investment   100  Exit Load   0-1 Years (1%),1 Years and above(NIL)   Growth of 10,000 investment over the years. 
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹20,062 30 Sep 22 ₹22,524 30 Sep 23 ₹31,255 30 Sep 24 ₹50,301 30 Sep 25 ₹48,047  Returns for ICICI Prudential Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 25 Duration Returns 1 Month  5.1%  3 Month  4.2%  6 Month  11.8%  1 Year  7%  3 Year  28.4%  5 Year  38%  10 Year    15 Year    Since launch  16.1%   Historical performance (Yearly) on absolute basis 
Year Returns 2024  27.4%  2023  44.6%  2022  28.8%  2021  50.1%  2020  3.6%  2019  2.6%  2018  -14%  2017  40.8%  2016  2%  2015  -3.4%   Fund Manager information for ICICI Prudential Infrastructure Fund 
Name Since Tenure Ihab Dalwai 3 Jun 17 8.33 Yr. Sharmila D’mello 30 Jun 22 3.26 Yr. Data below for ICICI Prudential Infrastructure Fund as on 31 Aug 25 
 Equity Sector Allocation 
Sector Value Industrials 36.47% Basic Materials 15.25% Financial Services 14.68% Utility 10.24% Energy 9.47% Real Estate 2.93% Consumer Cyclical 1.84% Communication Services 1.67%  Asset Allocation 
Asset Class Value Cash 7.43% Equity 92.57%  Top Securities Holdings / Portfolio 
Name Holding Value Quantity  Larsen & Toubro Ltd (Industrials) 
Equity, Since 30 Nov 09 | LT9% ₹674 Cr 1,843,204 
 ↓ -155,750  NTPC Ltd (Utilities) 
Equity, Since 29 Feb 16 | 5325554% ₹352 Cr 10,329,473 
 ↓ -750,000  Vedanta Ltd (Basic Materials) 
Equity, Since 31 Jul 24 | 5002954% ₹293 Cr 6,279,591  Reliance Industries Ltd (Energy) 
Equity, Since 31 Jul 23 | RELIANCE4% ₹277 Cr 2,029,725  NCC Ltd (Industrials) 
Equity, Since 31 Aug 21 | NCC3% ₹271 Cr 13,053,905  Adani Ports & Special Economic Zone Ltd (Industrials) 
Equity, Since 31 May 24 | ADANIPORTS3% ₹260 Cr 1,854,934 
 ↓ -413,725  Kalpataru Projects International Ltd (Industrials) 
Equity, Since 30 Sep 06 | KPIL3% ₹226 Cr 1,803,566  Axis Bank Ltd (Financial Services) 
Equity, Since 31 Dec 20 | 5322153% ₹226 Cr 1,996,057  AIA Engineering Ltd (Industrials) 
Equity, Since 28 Feb 21 | AIAENG3% ₹202 Cr 660,770  CESC Ltd (Utilities) 
Equity, Since 30 Jun 23 | CESC2% ₹189 Cr 11,700,502 2. HDFC Infrastructure Fund
HDFC Infrastructure Fund 
 Growth Launch Date   10 Mar 08  NAV (30 Oct 25)   ₹48.931  ↓ -0.09   (-0.18 %)  Net Assets (Cr)   ₹2,483 on 31 Aug 25  Category  Equity - Sectoral AMC   HDFC Asset Management Company Limited  Rating  ☆☆☆ Risk  High Expense Ratio  2.06 Sharpe Ratio  -0.64 Information Ratio  0 Alpha Ratio  0 Min Investment   5,000  Min SIP Investment   300  Exit Load   0-1 Years (1%),1 Years and above(NIL)   Growth of 10,000 investment over the years. 
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹18,908 30 Sep 22 ₹20,652 30 Sep 23 ₹29,739 30 Sep 24 ₹46,335 30 Sep 25 ₹43,823  Returns for HDFC Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 25 Duration Returns 1 Month  4%  3 Month  2.7%  6 Month  9.5%  1 Year  3.8%  3 Year  28.8%  5 Year  35.6%  10 Year    15 Year    Since launch     Historical performance (Yearly) on absolute basis 
Year Returns 2024  23%  2023  55.4%  2022  19.3%  2021  43.2%  2020  -7.5%  2019  -3.4%  2018  -29%  2017  43.3%  2016  -1.9%  2015  -2.5%   Fund Manager information for HDFC Infrastructure Fund 
Name Since Tenure Srinivasan Ramamurthy 12 Jan 24 1.72 Yr. Dhruv Muchhal 22 Jun 23 2.28 Yr. Data below for HDFC Infrastructure Fund as on 31 Aug 25 
 Equity Sector Allocation 
Sector Value Industrials 38.53% Financial Services 19.18% Basic Materials 10.34% Utility 7.05% Energy 6.49% Communication Services 3.63% Real Estate 2.48% Health Care 1.76% Technology 1.57% Consumer Cyclical 0.49%  Asset Allocation 
Asset Class Value Cash 8.47% Equity 91.53%  Top Securities Holdings / Portfolio 
Name Holding Value Quantity  ICICI Bank Ltd (Financial Services) 
Equity, Since 31 Oct 09 | 5321746% ₹148 Cr 1,100,000 
 ↓ -200,000  Larsen & Toubro Ltd (Industrials) 
Equity, Since 30 Jun 12 | LT6% ₹139 Cr 380,000  HDFC Bank Ltd (Financial Services) 
Equity, Since 31 Aug 23 | HDFCBANK5% ₹133 Cr 1,400,000  Kalpataru Projects International Ltd (Industrials) 
Equity, Since 31 Jan 23 | 5222874% ₹95 Cr 758,557 
 ↑ 272  J Kumar Infraprojects Ltd (Industrials) 
Equity, Since 31 Oct 15 | JKIL4% ₹89 Cr 1,403,084 
 ↑ 3,084  InterGlobe Aviation Ltd (Industrials) 
Equity, Since 31 Dec 21 | INDIGO3% ₹84 Cr 150,000  NTPC Ltd (Utilities) 
Equity, Since 31 Dec 17 | 5325553% ₹75 Cr 2,200,646 
 ↑ 646  Reliance Industries Ltd (Energy) 
Equity, Since 31 May 24 | RELIANCE3% ₹68 Cr 500,000  Bharti Airtel Ltd (Communication Services) 
Equity, Since 30 Sep 20 | BHARTIARTL3% ₹66 Cr 350,000  State Bank of India (Financial Services) 
Equity, Since 31 Mar 08 | SBIN2% ₹61 Cr 704,361 3. SBI PSU Fund
SBI PSU Fund 
 Growth Launch Date   7 Jul 10  NAV (30 Oct 25)   ₹33.6696  ↓ -0.04   (-0.11 %)  Net Assets (Cr)   ₹5,179 on 31 Aug 25  Category  Equity - Sectoral AMC   SBI Funds Management Private Limited  Rating  ☆☆ Risk  High Expense Ratio  1.89 Sharpe Ratio  -0.81 Information Ratio  -0.37 Alpha Ratio  -0.35 Min Investment   5,000  Min SIP Investment   500  Exit Load   0-1 Years (1%),1 Years and above(NIL)   Growth of 10,000 investment over the years. 
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹16,196 30 Sep 22 ₹17,561 30 Sep 23 ₹25,841 30 Sep 24 ₹42,766 30 Sep 25 ₹40,703  Returns for SBI PSU Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 25 Duration Returns 1 Month  5.1%  3 Month  6.7%  6 Month  8.4%  1 Year  5.5%  3 Year  30.6%  5 Year  33.8%  10 Year    15 Year    Since launch  8.3%   Historical performance (Yearly) on absolute basis 
Year Returns 2024  23.5%  2023  54%  2022  29%  2021  32.4%  2020  -10%  2019  6%  2018  -23.8%  2017  21.9%  2016  16.2%  2015  -11.1%   Fund Manager information for SBI PSU Fund 
Name Since Tenure Rohit Shimpi 1 Jun 24 1.33 Yr. Data below for SBI PSU Fund as on 31 Aug 25 
 Equity Sector Allocation 
Sector Value Financial Services 36.21% Utility 29.89% Energy 13.58% Industrials 12.34% Basic Materials 5.79%  Asset Allocation 
Asset Class Value Cash 2.18% Equity 97.82%  Top Securities Holdings / Portfolio 
Name Holding Value Quantity  State Bank of India (Financial Services) 
Equity, Since 31 Jul 10 | SBIN16% ₹866 Cr 9,927,500  Bharat Electronics Ltd (Industrials) 
Equity, Since 30 Jun 24 | BEL9% ₹524 Cr 12,975,000  NTPC Ltd (Utilities) 
Equity, Since 31 Jul 10 | 5325559% ₹495 Cr 14,543,244  Power Grid Corp Of India Ltd (Utilities) 
Equity, Since 31 Jul 10 | 5328988% ₹463 Cr 16,535,554  GAIL (India) Ltd (Utilities) 
Equity, Since 31 May 24 | 5321558% ₹454 Cr 25,750,000  Bharat Petroleum Corp Ltd (Energy) 
Equity, Since 31 Aug 24 | 5005476% ₹329 Cr 9,700,000  Bank of Baroda (Financial Services) 
Equity, Since 31 Aug 24 | 5321345% ₹284 Cr 11,000,000  NMDC Ltd (Basic Materials) 
Equity, Since 31 Oct 23 | 5263714% ₹213 Cr 27,900,000  Indian Bank (Financial Services) 
Equity, Since 30 Jun 21 | 5328143% ₹182 Cr 2,427,235  Oil India Ltd (Energy) 
Equity, Since 31 Mar 24 | OIL3% ₹159 Cr 3,850,000 4. Franklin Build India Fund
Franklin Build India Fund 
 Growth Launch Date   4 Sep 09  NAV (30 Oct 25)   ₹146.942  ↓ -0.71   (-0.48 %)  Net Assets (Cr)   ₹2,884 on 31 Aug 25  Category  Equity - Sectoral AMC   Franklin Templeton Asst Mgmt(IND)Pvt Ltd  Rating  ☆☆☆☆☆ Risk  High Expense Ratio  2.01 Sharpe Ratio  -0.64 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 30 Sep 20 ₹10,000 30 Sep 21 ₹19,616 30 Sep 22 ₹20,506 30 Sep 23 ₹28,515 30 Sep 24 ₹45,123 30 Sep 25 ₹42,883  Returns for Franklin Build India Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 25 Duration Returns 1 Month  5%  3 Month  4.5%  6 Month  11.1%  1 Year  5.1%  3 Year  27.9%  5 Year  33.7%  10 Year    15 Year    Since launch  18.1%   Historical performance (Yearly) on absolute basis 
Year Returns 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 
Name Since Tenure Ajay Argal 18 Oct 21 3.96 Yr. Kiran Sebastian 7 Feb 22 3.65 Yr. Sandeep Manam 18 Oct 21 3.96 Yr. Data below for Franklin Build India Fund as on 31 Aug 25 
 Equity Sector Allocation 
Sector Value Industrials 35.44% Utility 14.2% Financial Services 13.18% Energy 12.89% Communication Services 7.62% Basic Materials 5.03% Real Estate 3.16% Consumer Cyclical 2.74% Technology 2.21%  Asset Allocation 
Asset Class Value Cash 3.52% Equity 96.48%  Top Securities Holdings / Portfolio 
Name Holding Value Quantity  Larsen & Toubro Ltd (Industrials) 
Equity, Since 29 Feb 20 | LT8% ₹243 Cr 665,000  InterGlobe Aviation Ltd (Industrials) 
Equity, Since 29 Feb 20 | INDIGO6% ₹176 Cr 315,000 
 ↑ 15,000  Reliance Industries Ltd (Energy) 
Equity, Since 31 Oct 21 | RELIANCE6% ₹164 Cr 1,200,000  Oil & Natural Gas Corp Ltd (Energy) 
Equity, Since 30 Jun 19 | 5003126% ₹163 Cr 6,825,000  ICICI Bank Ltd (Financial Services) 
Equity, Since 31 Mar 12 | ICICIBANK5% ₹162 Cr 1,200,000  NTPC Ltd (Utilities) 
Equity, Since 30 Nov 16 | 5325555% ₹148 Cr 4,350,000  Bharti Airtel Ltd (Communication Services) 
Equity, Since 30 Sep 09 | BHARTIARTL5% ₹133 Cr 710,000  Axis Bank Ltd (Financial Services) 
Equity, Since 31 Mar 12 | 5322154% ₹113 Cr 1,000,000  Power Grid Corp Of India Ltd (Utilities) 
Equity, Since 28 Feb 21 | 5328983% ₹101 Cr 3,600,000  GAIL (India) Ltd (Utilities) 
Equity, Since 31 Jan 25 | 5321553% ₹92 Cr 5,200,000 
 ↑ 400,000 5. DSP India T.I.G.E.R Fund
DSP India T.I.G.E.R Fund 
 Growth Launch Date   11 Jun 04  NAV (30 Oct 25)   ₹320.251  ↓ -0.44   (-0.14 %)  Net Assets (Cr)   ₹5,303 on 31 Aug 25  Category  Equity - Sectoral AMC   DSP BlackRock Invmt Managers Pvt. Ltd.  Rating  ☆☆☆☆ Risk  High Expense Ratio  1.89 Sharpe Ratio  -0.72 Information Ratio  0 Alpha Ratio  0 Min Investment   1,000  Min SIP Investment   500  Exit Load   0-12 Months (1%),12 Months and above(NIL)   Growth of 10,000 investment over the years. 
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹19,309 30 Sep 22 ₹20,860 30 Sep 23 ₹28,701 30 Sep 24 ₹47,137 30 Sep 25 ₹42,014  Returns for DSP India T.I.G.E.R Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 25 Duration Returns 1 Month  3.5%  3 Month  2.7%  6 Month  10.8%  1 Year  -0.6%  3 Year  26.4%  5 Year  33.3%  10 Year    15 Year    Since launch  17.6%   Historical performance (Yearly) on absolute basis 
Year Returns 2024  32.4%  2023  49%  2022  13.9%  2021  51.6%  2020  2.7%  2019  6.7%  2018  -17.2%  2017  47%  2016  4.1%  2015  0.7%   Fund Manager information for DSP India T.I.G.E.R Fund 
Name Since Tenure Rohit Singhania 21 Jun 10 15.29 Yr. Data below for DSP India T.I.G.E.R Fund as on 31 Aug 25 
 Equity Sector Allocation 
Sector Value Industrials 28.9% Basic Materials 14.22% Utility 10.79% Consumer Cyclical 9.07% Financial Services 8.65% Health Care 6.05% Energy 5.41% Communication Services 2.5% Technology 1.85% Real Estate 1.5% Consumer Defensive 1.15%  Asset Allocation 
Asset Class Value Cash 9.92% Equity 90.08%  Top Securities Holdings / Portfolio 
Name Holding Value Quantity  Larsen & Toubro Ltd (Industrials) 
Equity, Since 30 Jun 04 | LT5% ₹255 Cr 697,669  NTPC Ltd (Utilities) 
Equity, Since 30 Nov 17 | 5325555% ₹243 Cr 7,145,883  Apollo Hospitals Enterprise Ltd (Healthcare) 
Equity, Since 31 Dec 24 | APOLLOHOSP3% ₹182 Cr 245,928  Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) 
Equity, Since 31 Dec 24 | AMBER3% ₹160 Cr 197,265  Power Grid Corp Of India Ltd (Utilities) 
Equity, Since 31 Jan 25 | 5328983% ₹156 Cr 5,567,574  Kirloskar Oil Engines Ltd (Industrials) 
Equity, Since 31 Mar 23 | KIRLOSENG2% ₹130 Cr 1,412,412  Coal India Ltd (Energy) 
Equity, Since 31 Dec 23 | COALINDIA2% ₹130 Cr 3,321,453  Bharti Airtel Ltd (Communication Services) 
Equity, Since 31 Oct 18 | BHARTIARTL2% ₹129 Cr 688,435  Multi Commodity Exchange of India Ltd (Financial Services) 
Equity, Since 31 May 25 | MCX2% ₹128 Cr 164,204  Siemens Energy India Ltd (Utilities) 
Equity, Since 30 Apr 25 | ENRIN2% ₹127 Cr 369,482 6. Bandhan Infrastructure Fund
Bandhan Infrastructure Fund 
 Growth Launch Date   8 Mar 11  NAV (30 Oct 25)   ₹50.363  ↓ -0.10   (-0.20 %)  Net Assets (Cr)   ₹1,613 on 31 Aug 25  Category  Equity - Sectoral AMC   IDFC Asset Management Company Limited  Rating  ☆☆☆☆☆ Risk  High Expense Ratio  2.1 Sharpe Ratio  -0.71 Information Ratio  0 Alpha Ratio  0 Min Investment   5,000  Min SIP Investment   100  Exit Load   0-365 Days (1%),365 Days and above(NIL)   Growth of 10,000 investment over the years. 
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹20,085 30 Sep 22 ₹20,588 30 Sep 23 ₹27,745 30 Sep 24 ₹47,816 30 Sep 25 ₹41,763  Returns for Bandhan Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 25 Duration Returns 1 Month  2.9%  3 Month  0.4%  6 Month  6.5%  1 Year  -1.3%  3 Year  27.5%  5 Year  33.1%  10 Year    15 Year    Since launch  11.7%   Historical performance (Yearly) on absolute basis 
Year Returns 2024  39.3%  2023  50.3%  2022  1.7%  2021  64.8%  2020  6.3%  2019  -5.3%  2018  -25.9%  2017  58.7%  2016  10.7%  2015  -0.2%   Fund Manager information for Bandhan Infrastructure Fund 
Name Since Tenure Vishal Biraia 24 Jan 24 1.69 Yr. Ritika Behera 7 Oct 23 1.99 Yr. Gaurav Satra 7 Jun 24 1.32 Yr. Data below for Bandhan Infrastructure Fund as on 31 Aug 25 
 Equity Sector Allocation 
Sector Value Industrials 53.61% Utility 12.71% Basic Materials 7.66% Communication Services 4.85% Energy 3.82% Financial Services 2.89% Health Care 2.33% Technology 2.14% Consumer Cyclical 1.54% Real Estate 1.3%  Asset Allocation 
Asset Class Value Cash 7.14% Equity 92.86%  Top Securities Holdings / Portfolio 
Name Holding Value Quantity  Kirloskar Brothers Ltd (Industrials) 
Equity, Since 31 Dec 17 | KIRLOSBROS5% ₹84 Cr 433,186  Larsen & Toubro Ltd (Industrials) 
Equity, Since 29 Feb 12 | LT5% ₹75 Cr 206,262  Bharti Airtel Ltd (Communication Services) 
Equity, Since 30 Apr 19 | BHARTIARTL4% ₹66 Cr 352,330 
 ↑ 22,312  Reliance Industries Ltd (Energy) 
Equity, Since 30 Jun 24 | RELIANCE4% ₹62 Cr 452,706  UltraTech Cement Ltd (Basic Materials) 
Equity, Since 31 Mar 14 | 5325384% ₹61 Cr 49,772  Bharat Electronics Ltd (Industrials) 
Equity, Since 31 Oct 19 | BEL4% ₹58 Cr 1,431,700  GPT Infraprojects Ltd (Industrials) 
Equity, Since 30 Nov 17 | GPTINFRA3% ₹53 Cr 4,733,244  InterGlobe Aviation Ltd (Industrials) 
Equity, Since 31 Aug 24 | INDIGO3% ₹47 Cr 83,887  Ahluwalia Contracts (India) Ltd (Industrials) 
Equity, Since 30 Apr 15 | AHLUCONT3% ₹46 Cr 462,606  PTC India Financial Services Ltd (Financial Services) 
Equity, Since 31 Dec 23 | PFS3% ₹43 Cr 12,400,122 7. Nippon India Power and Infra Fund
Nippon India Power and Infra Fund 
 Growth Launch Date   8 May 04  NAV (30 Oct 25)   ₹359.516  ↓ -0.53   (-0.15 %)  Net Assets (Cr)   ₹7,175 on 31 Aug 25  Category  Equity - Sectoral AMC   Nippon Life Asset Management Ltd.  Rating  ☆☆☆☆ Risk  High Expense Ratio  1.85 Sharpe Ratio  -0.66 Information Ratio  0.79 Alpha Ratio  -3.51 Min Investment   5,000  Min SIP Investment   100  Exit Load   0-1 Years (1%),1 Years and above(NIL)   Growth of 10,000 investment over the years. 
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹17,764 30 Sep 22 ₹18,789 30 Sep 23 ₹26,697 30 Sep 24 ₹43,660 30 Sep 25 ₹39,496  Returns for Nippon India Power and Infra Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 25 Duration Returns 1 Month  4.4%  3 Month  5.2%  6 Month  9.7%  1 Year  3.3%  3 Year  28.2%  5 Year  33%  10 Year    15 Year    Since launch  18.2%   Historical performance (Yearly) on absolute basis 
Year Returns 2024  26.9%  2023  58%  2022  10.9%  2021  48.9%  2020  10.8%  2019  -2.9%  2018  -21.1%  2017  61.7%  2016  0.1%  2015  0.3%   Fund Manager information for Nippon India Power and Infra Fund 
Name Since Tenure Kinjal Desai 25 May 18 7.36 Yr. Rahul Modi 19 Aug 24 1.12 Yr. Data below for Nippon India Power and Infra Fund as on 31 Aug 25 
 Equity Sector Allocation 
Sector Value Industrials 32.83% Utility 24.03% Energy 9.35% Basic Materials 7.89% Consumer Cyclical 7.49% Communication Services 5.9% Technology 4.94% Real Estate 2.68% Financial Services 2.23% Health Care 2.12%  Asset Allocation 
Asset Class Value Cash 0.53% Equity 99.47%  Top Securities Holdings / Portfolio 
Name Holding Value Quantity  Reliance Industries Ltd (Energy) 
Equity, Since 30 Nov 18 | RELIANCE8% ₹583 Cr 4,275,000  NTPC Ltd (Utilities) 
Equity, Since 31 May 09 | 5325558% ₹579 Cr 17,000,000 
 ↑ 300,001  Bharti Airtel Ltd (Communication Services) 
Equity, Since 30 Apr 18 | BHARTIARTL6% ₹432 Cr 2,300,000 
 ↓ -250,000  Larsen & Toubro Ltd (Industrials) 
Equity, Since 30 Nov 07 | LT6% ₹415 Cr 1,134,337 
 ↓ -39,000  Tata Power Co Ltd (Utilities) 
Equity, Since 30 Apr 23 | 5004004% ₹307 Cr 7,900,789  CG Power & Industrial Solutions Ltd (Industrials) 
Equity, Since 30 Sep 24 | 5000933% ₹250 Cr 3,370,014 
 ↓ -247,000  Bharat Heavy Electricals Ltd (Industrials) 
Equity, Since 30 Sep 24 | 5001033% ₹222 Cr 9,300,838 
 ↑ 400,000  UltraTech Cement Ltd (Basic Materials) 
Equity, Since 31 Oct 19 | 5325383% ₹208 Cr 170,000 
 ↓ -5,000  Kaynes Technology India Ltd (Technology) 
Equity, Since 30 Nov 22 | KAYNES2% ₹176 Cr 250,113 
 ↓ -86,114  Carborundum Universal Ltd (Industrials) 
Equity, Since 30 Sep 23 | CARBORUNIV2% ₹166 Cr 1,800,000 8. Canara Robeco Infrastructure
Canara Robeco Infrastructure 
 Growth Launch Date   2 Dec 05  NAV (30 Oct 25)   ₹165.3  ↓ -0.27   (-0.16 %)  Net Assets (Cr)   ₹889 on 31 Aug 25  Category  Equity - Sectoral AMC   Canara Robeco Asset Management Co. Ltd.  Rating  Risk  High Expense Ratio  2.32 Sharpe Ratio  -0.41 Information Ratio  0 Alpha Ratio  0 Min Investment   5,000  Min SIP Investment   1,000  Exit Load   0-1 Years (1%),1 Years and above(NIL)   Growth of 10,000 investment over the years. 
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹17,905 30 Sep 22 ₹20,122 30 Sep 23 ₹25,247 30 Sep 24 ₹41,953 30 Sep 25 ₹39,774  Returns for Canara Robeco Infrastructure
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 25 Duration Returns 1 Month  3.1%  3 Month  3.8%  6 Month  11.4%  1 Year  4.8%  3 Year  26.3%  5 Year  32.6%  10 Year    15 Year    Since launch  15.1%   Historical performance (Yearly) on absolute basis 
Year Returns 2024  35.3%  2023  41.2%  2022  9%  2021  56.1%  2020  9%  2019  2.3%  2018  -19.1%  2017  40.2%  2016  2.1%  2015  6.7%   Fund Manager information for Canara Robeco Infrastructure 
Name Since Tenure Vishal Mishra 26 Jun 21 4.27 Yr. Shridatta Bhandwaldar 29 Sep 18 7.01 Yr. Data below for Canara Robeco Infrastructure as on 31 Aug 25 
 Equity Sector Allocation 
Sector Value Industrials 45.5% Utility 11.94% Basic Materials 10.09% Energy 8.15% Financial Services 7.2% Technology 5.17% Consumer Cyclical 3.1% Communication Services 2.81% Real Estate 1.23%  Asset Allocation 
Asset Class Value Cash 4.81% Equity 95.19%  Top Securities Holdings / Portfolio 
Name Holding Value Quantity  Larsen & Toubro Ltd (Industrials) 
Equity, Since 28 Feb 11 | LT9% ₹78 Cr 212,901 
 ↑ 10,000  State Bank of India (Financial Services) 
Equity, Since 31 Jul 24 | SBIN4% ₹39 Cr 442,500  Reliance Industries Ltd (Energy) 
Equity, Since 30 Apr 22 | RELIANCE4% ₹38 Cr 279,250  NTPC Ltd (Utilities) 
Equity, Since 30 Nov 18 | 5325554% ₹36 Cr 1,066,480  Bharat Electronics Ltd (Industrials) 
Equity, Since 31 Jul 19 | BEL4% ₹35 Cr 869,000  InterGlobe Aviation Ltd (Industrials) 
Equity, Since 31 Jan 23 | INDIGO4% ₹33 Cr 58,250  GE Vernova T&D India Ltd (Industrials) 
Equity, Since 31 Jan 24 | 5222753% ₹31 Cr 105,185 
 ↓ -13,008  Dixon Technologies (India) Ltd (Technology) 
Equity, Since 31 Oct 23 | DIXON3% ₹31 Cr 18,950  Tata Power Co Ltd (Utilities) 
Equity, Since 30 Sep 24 | 5004003% ₹31 Cr 785,000  CG Power & Industrial Solutions Ltd (Industrials) 
Equity, Since 31 Oct 23 | 5000933% ₹28 Cr 383,150 9. LIC MF Infrastructure Fund
LIC MF Infrastructure Fund 
 Growth Launch Date   29 Feb 08  NAV (30 Oct 25)   ₹51.1156  ↑ 0.08   (0.15 %)  Net Assets (Cr)   ₹995 on 31 Aug 25  Category  Equity - Sectoral AMC   LIC Mutual Fund Asset Mgmt Co Ltd  Rating  Risk  High Expense Ratio  2.21 Sharpe Ratio  -0.47 Information Ratio  0.34 Alpha Ratio  -1.71 Min Investment   5,000  Min SIP Investment   1,000  Exit Load   0-1 Years (1%),1 Years and above(NIL)   Growth of 10,000 investment over the years. 
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹17,349 30 Sep 22 ₹19,152 30 Sep 23 ₹24,311 30 Sep 24 ₹42,112 30 Sep 25 ₹39,703  Returns for LIC MF Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 25 Duration Returns 1 Month  4%  3 Month  3.3%  6 Month  15.6%  1 Year  3.9%  3 Year  28.9%  5 Year  31.7%  10 Year    15 Year    Since launch  9.7%   Historical performance (Yearly) on absolute basis 
Year Returns 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 
Name Since Tenure Yogesh Patil 18 Sep 20 5.04 Yr. Mahesh Bendre 1 Jul 24 1.25 Yr. Data below for LIC MF Infrastructure Fund as on 31 Aug 25 
 Equity Sector Allocation 
Sector Value Industrials 48.29% Basic Materials 9.85% Consumer Cyclical 8.84% Financial Services 8.09% Utility 6.27% Technology 4.21% Health Care 3.5% Real Estate 3.4% Communication Services 2.81% Energy 0.96%  Asset Allocation 
Asset Class Value Cash 3.77% Equity 96.23%  Top Securities Holdings / Portfolio 
Name Holding Value Quantity  Shakti Pumps (India) Ltd (Industrials) 
Equity, Since 31 Mar 24 | SHAKTIPUMP6% ₹57 Cr 693,857  Larsen & Toubro Ltd (Industrials) 
Equity, Since 30 Apr 09 | LT4% ₹40 Cr 109,584  Afcons Infrastructure Ltd (Industrials) 
Equity, Since 31 Oct 24 | AFCONS3% ₹35 Cr 769,765  REC Ltd (Financial Services) 
Equity, Since 31 Jul 23 | 5329553% ₹34 Cr 911,009  Apollo Hospitals Enterprise Ltd (Healthcare) 
Equity, Since 30 Jun 25 | APOLLOHOSP3% ₹33 Cr 44,149 
 ↓ -2,694  Avalon Technologies Ltd (Technology) 
Equity, Since 31 Jul 23 | AVALON3% ₹31 Cr 310,615  Garware Hi-Tech Films Ltd (Basic Materials) 
Equity, Since 31 Aug 23 | 5006553% ₹28 Cr 94,287  Schneider Electric Infrastructure Ltd (Industrials) 
Equity, Since 31 Dec 23 | SCHNEIDER3% ₹26 Cr 319,302  Bharat Bijlee Ltd (Industrials) 
Equity, Since 31 Jul 22 | BBL2% ₹25 Cr 80,133 
 ↑ 5,212  Cummins India Ltd (Industrials) 
Equity, Since 31 May 21 | 5004802% ₹24 Cr 62,276 
 ↓ -5,131 10. Invesco India PSU Equity Fund
Invesco India PSU Equity Fund 
 Growth Launch Date   18 Nov 09  NAV (30 Oct 25)   ₹66.31  ↓ -0.12   (-0.18 %)  Net Assets (Cr)   ₹1,341 on 31 Aug 25  Category  Equity - Sectoral AMC   Invesco Asset Management (India) Private Ltd  Rating  ☆☆☆ Risk  High Expense Ratio  2.14 Sharpe Ratio  -0.58 Information Ratio  -0.46 Alpha Ratio  5.81 Min Investment   5,000  Min SIP Investment   500  Exit Load   0-1 Years (1%),1 Years and above(NIL)   Growth of 10,000 investment over the years. 
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹15,713 30 Sep 22 ₹16,205 30 Sep 23 ₹22,862 30 Sep 24 ₹38,870 30 Sep 25 ₹36,848  Returns for Invesco India PSU Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 25 Duration Returns 1 Month  5.1%  3 Month  6%  6 Month  9.7%  1 Year  5.5%  3 Year  30.1%  5 Year  31.4%  10 Year    15 Year    Since launch  12.6%   Historical performance (Yearly) on absolute basis 
Year Returns 2024  25.6%  2023  54.5%  2022  20.5%  2021  31.1%  2020  6.1%  2019  10.1%  2018  -16.9%  2017  24.3%  2016  17.9%  2015  2.5%   Fund Manager information for Invesco India PSU Equity Fund 
Name Since Tenure Hiten Jain 1 Jul 25 0.25 Yr. Sagar Gandhi 1 Jul 25 0.25 Yr. Data below for Invesco India PSU Equity Fund as on 31 Aug 25 
 Equity Sector Allocation 
Sector Value Utility 29.05% Industrials 28.51% Financial Services 22.69% Energy 14.07% Basic Materials 4.39%  Asset Allocation 
Asset Class Value Cash 1.29% Equity 98.71%  Top Securities Holdings / Portfolio 
Name Holding Value Quantity  Bharat Electronics Ltd (Industrials) 
Equity, Since 31 Mar 17 | BEL9% ₹128 Cr 3,178,489  State Bank of India (Financial Services) 
Equity, Since 28 Feb 21 | SBIN9% ₹124 Cr 1,426,314  Bharat Petroleum Corp Ltd (Energy) 
Equity, Since 30 Sep 18 | 5005478% ₹110 Cr 3,229,041  Hindustan Aeronautics Ltd Ordinary Shares (Industrials) 
Equity, Since 31 May 22 | HAL8% ₹107 Cr 226,465  NTPC Ltd (Utilities) 
Equity, Since 31 May 19 | 5325557% ₹105 Cr 3,085,790  Power Grid Corp Of India Ltd (Utilities) 
Equity, Since 28 Feb 22 | 5328987% ₹101 Cr 3,599,413  NTPC Green Energy Ltd (Utilities) 
Equity, Since 30 Nov 24 | NTPCGREEN6% ₹85 Cr 8,790,786  NHPC Ltd (Utilities) 
Equity, Since 31 Oct 22 | NHPC5% ₹66 Cr 7,649,437  REC Ltd (Financial Services) 
Equity, Since 31 Aug 23 | 5329554% ₹55 Cr 1,485,615  GAIL (India) Ltd (Utilities) 
Equity, Since 28 Feb 23 | 5321554% ₹54 Cr 3,089,630 11. Kotak Infrastructure & Economic Reform Fund
Kotak Infrastructure & Economic Reform Fund 
 Growth Launch Date   25 Feb 08  NAV (29 Oct 25)   ₹67.221  ↑ 0.49   (0.73 %)  Net Assets (Cr)   ₹2,313 on 31 Aug 25  Category  Equity - Sectoral AMC   Kotak Mahindra Asset Management Co Ltd  Rating  ☆☆☆☆ Risk  High Expense Ratio  2.01 Sharpe Ratio  -0.52 Information Ratio  -0.04 Alpha Ratio  -1.88 Min Investment   5,000  Min SIP Investment   1,000  Exit Load   0-1 Years (1%),1 Years and above(NIL)   Growth of 10,000 investment over the years. 
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹18,729 30 Sep 22 ₹20,862 30 Sep 23 ₹26,765 30 Sep 24 ₹42,027 30 Sep 25 ₹37,236  Returns for Kotak Infrastructure & Economic Reform Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 25 Duration Returns 1 Month  4.8%  3 Month  2.7%  6 Month  12.9%  1 Year  1.2%  3 Year  22.7%  5 Year  31.2%  10 Year    15 Year    Since launch  11.4%   Historical performance (Yearly) on absolute basis 
Year Returns 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 
Name Since Tenure Nalin Bhatt 1 Oct 23 2 Yr. Data below for Kotak Infrastructure & Economic Reform Fund as on 31 Aug 25 
 Equity Sector Allocation 
Sector Value Industrials 46.31% Basic Materials 14.41% Consumer Cyclical 10.65% Communication Services 10.29% Energy 8.3% Utility 4.53% Real Estate 1.94% Financial Services 1.75% Technology 1.26%  Asset Allocation 
Asset Class Value Cash 0.55% Equity 99.45%  Top Securities Holdings / Portfolio 
Name Holding Value Quantity  Bharti Airtel Ltd (Communication Services) 
Equity, Since 30 Apr 20 | BHARTIARTL7% ₹163 Cr 870,000  Reliance Industries Ltd (Energy) 
Equity, Since 31 Mar 25 | RELIANCE5% ₹118 Cr 864,000  Shree Cement Ltd (Basic Materials) 
Equity, Since 31 Dec 11 | 5003874% ₹102 Cr 35,000  Larsen & Toubro Ltd (Industrials) 
Equity, Since 28 Feb 15 | LT4% ₹100 Cr 274,000  Kalpataru Projects International Ltd (Industrials) 
Equity, Since 31 Aug 17 | KPIL3% ₹80 Cr 639,927  UltraTech Cement Ltd (Basic Materials) 
Equity, Since 31 Mar 15 | 5325383% ₹73 Cr 60,000  Solar Industries India Ltd (Basic Materials) 
Equity, Since 31 Oct 15 | SOLARINDS3% ₹72 Cr 54,000  Mahindra Logistics Ltd (Industrials) 
Equity, Since 31 Jan 24 | MAHLOG3% ₹68 Cr 1,983,265  Bosch Ltd (Consumer Cyclical) 
Equity, Since 30 Sep 24 | 5005303% ₹67 Cr 17,500  VST Tillers Tractors Ltd (Industrials) 
Equity, Since 30 Apr 24 | VSTTILLERS3% ₹66 Cr 130,659 
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Research Highlights for ICICI Prudential Infrastructure Fund