+91-22-48913909Difference Between Savings and Investment
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!
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:
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 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 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 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 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 (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 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 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 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 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 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 ₹196.05
↓ -0.29 ₹8,232 100 2 1.1 1.6 24.6 31.3 27.4 SBI PSU Fund Growth ₹33.0768
↑ 0.00 ₹5,714 500 7.3 3.8 1.5 26.5 29 23.5 HDFC Infrastructure Fund Growth ₹47.284
↓ -0.16 ₹2,586 300 0.5 -0.1 -1.5 24.5 29 23 DSP India T.I.G.E.R Fund Growth ₹312.931
↓ -0.19 ₹5,506 500 0.4 1.4 -6.5 23.4 28 32.4 Canara Robeco Infrastructure Growth ₹157.8
↓ -1.06 ₹936 1,000 -0.9 -1 -3.4 23.1 27.8 35.3 Nippon India Power and Infra Fund Growth ₹344.171
↓ -0.56 ₹7,530 100 1.3 0.2 -5.4 24.1 27.6 26.9 Franklin Build India Fund Growth ₹142.641
↓ -0.02 ₹3,088 500 2.1 2.7 -0.8 24.7 27.5 27.8 Bandhan Infrastructure Fund Growth ₹48.062
↓ -0.22 ₹1,625 100 -2.5 -4.5 -10.7 23.2 27.1 39.3 Invesco India PSU Equity Fund Growth ₹64.42
↑ 0.14 ₹1,466 500 5.9 0.7 0.2 26.7 27.1 25.6 LIC MF Infrastructure Fund Growth ₹48.7876
↓ -0.31 ₹1,054 1,000 0.8 -1.2 -6.2 25.5 26.7 47.8 Kotak Infrastructure & Economic Reform Fund Growth ₹64.885
↓ -0.21 ₹2,425 1,000 0.7 -1 -6.1 19.3 26.4 32.4 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Dec 25 Research Highlights & Commentary of 11 Funds showcased
Commentary ICICI Prudential Infrastructure Fund SBI PSU Fund HDFC Infrastructure Fund DSP India T.I.G.E.R Fund Canara Robeco Infrastructure Nippon India Power and Infra Fund Franklin Build India Fund Bandhan Infrastructure Fund Invesco India PSU Equity Fund LIC MF Infrastructure Fund Kotak Infrastructure & Economic Reform Fund Point 1 Highest AUM (₹8,232 Cr). Upper mid AUM (₹5,714 Cr). Lower mid AUM (₹2,586 Cr). Upper mid AUM (₹5,506 Cr). Bottom quartile AUM (₹936 Cr). Top quartile AUM (₹7,530 Cr). Upper mid AUM (₹3,088 Cr). Lower mid AUM (₹1,625 Cr). Bottom quartile AUM (₹1,466 Cr). Bottom quartile AUM (₹1,054 Cr). Lower mid AUM (₹2,425 Cr). Point 2 Established history (20+ yrs). Established history (15+ yrs). Established history (17+ yrs). Established history (21+ yrs). Established history (20+ yrs). Oldest track record among peers (21 yrs). Established history (16+ yrs). Established history (14+ yrs). Established history (16+ yrs). Established history (17+ yrs). Established history (17+ yrs). Point 3 Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Not Rated. Rating: 4★ (upper mid). Rating: 5★ (top quartile). Top rated. Rating: 3★ (lower mid). Not Rated. 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: 31.26% (top quartile). 5Y return: 28.98% (top quartile). 5Y return: 28.97% (upper mid). 5Y return: 27.95% (upper mid). 5Y return: 27.78% (upper mid). 5Y return: 27.56% (lower mid). 5Y return: 27.46% (lower mid). 5Y return: 27.14% (lower mid). 5Y return: 27.05% (bottom quartile). 5Y return: 26.68% (bottom quartile). 5Y return: 26.39% (bottom quartile). Point 6 3Y return: 24.60% (upper mid). 3Y return: 26.50% (top quartile). 3Y return: 24.50% (lower mid). 3Y return: 23.36% (lower mid). 3Y return: 23.08% (bottom quartile). 3Y return: 24.06% (lower mid). 3Y return: 24.65% (upper mid). 3Y return: 23.17% (bottom quartile). 3Y return: 26.72% (top quartile). 3Y return: 25.49% (upper mid). 3Y return: 19.32% (bottom quartile). Point 7 1Y return: 1.63% (top quartile). 1Y return: 1.46% (top quartile). 1Y return: -1.46% (upper mid). 1Y return: -6.49% (bottom quartile). 1Y return: -3.40% (lower mid). 1Y return: -5.39% (lower mid). 1Y return: -0.84% (upper mid). 1Y return: -10.68% (bottom quartile). 1Y return: 0.19% (upper mid). 1Y return: -6.19% (bottom quartile). 1Y return: -6.08% (lower mid). Point 8 Alpha: 0.00 (top quartile). Alpha: -0.58 (lower mid). Alpha: 0.00 (top quartile). Alpha: 0.00 (upper mid). Alpha: 0.00 (upper mid). Alpha: -7.46 (bottom quartile). Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Alpha: -0.54 (lower mid). Alpha: -6.32 (bottom quartile). Alpha: -8.58 (bottom quartile). Point 9 Sharpe: 0.00 (upper mid). Sharpe: 0.09 (top quartile). Sharpe: -0.15 (bottom quartile). Sharpe: -0.33 (bottom quartile). Sharpe: -0.02 (upper mid). Sharpe: -0.12 (lower mid). Sharpe: -0.11 (lower mid). Sharpe: -0.31 (bottom quartile). Sharpe: 0.09 (top quartile). Sharpe: -0.04 (upper mid). Sharpe: -0.14 (lower mid). Point 10 Information ratio: 0.00 (lower mid). Information ratio: -0.57 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.57 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: -0.60 (bottom quartile). Information ratio: 0.40 (top quartile). Information ratio: -0.11 (bottom quartile). ICICI Prudential Infrastructure Fund
SBI PSU Fund
HDFC Infrastructure Fund
DSP India T.I.G.E.R Fund
Canara Robeco Infrastructure
Nippon India Power and Infra Fund
Franklin Build India Fund
Bandhan Infrastructure Fund
Invesco India PSU Equity Fund
LIC MF Infrastructure 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 (04 Dec 25) ₹196.05 ↓ -0.29 (-0.15 %) Net Assets (Cr) ₹8,232 on 31 Oct 25 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio 0 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value Returns for ICICI Prudential Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Dec 25 Duration Returns 1 Month -2.2% 3 Month 2% 6 Month 1.1% 1 Year 1.6% 3 Year 24.6% 5 Year 31.3% 10 Year 15 Year Since launch 15.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 27.4% 2023 44.6% 2022 28.8% 2021 50.1% 2020 3.6% 2019 2.6% 2018 -14% 2017 40.8% 2016 2% 2015 -3.4% Fund Manager information for ICICI Prudential Infrastructure Fund
Name Since Tenure Data below for ICICI Prudential Infrastructure Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 2. SBI PSU Fund
SBI PSU Fund
Growth Launch Date 7 Jul 10 NAV (04 Dec 25) ₹33.0768 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹5,714 on 31 Oct 25 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating ☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio 0.09 Information Ratio -0.57 Alpha Ratio -0.58 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 Returns for SBI PSU Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Dec 25 Duration Returns 1 Month -1.9% 3 Month 7.3% 6 Month 3.8% 1 Year 1.5% 3 Year 26.5% 5 Year 29% 10 Year 15 Year Since launch 8.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 23.5% 2023 54% 2022 29% 2021 32.4% 2020 -10% 2019 6% 2018 -23.8% 2017 21.9% 2016 16.2% 2015 -11.1% Fund Manager information for SBI PSU Fund
Name Since Tenure Data below for SBI PSU Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 3. HDFC Infrastructure Fund
HDFC Infrastructure Fund
Growth Launch Date 10 Mar 08 NAV (04 Dec 25) ₹47.284 ↓ -0.16 (-0.33 %) Net Assets (Cr) ₹2,586 on 31 Oct 25 Category Equity - Sectoral AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 2.06 Sharpe Ratio -0.15 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value Returns for HDFC Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Dec 25 Duration Returns 1 Month -3.1% 3 Month 0.5% 6 Month -0.1% 1 Year -1.5% 3 Year 24.5% 5 Year 29% 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 Data below for HDFC Infrastructure Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 4. DSP India T.I.G.E.R Fund
DSP India T.I.G.E.R Fund
Growth Launch Date 11 Jun 04 NAV (04 Dec 25) ₹312.931 ↓ -0.19 (-0.06 %) Net Assets (Cr) ₹5,506 on 31 Oct 25 Category Equity - Sectoral AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio -0.33 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 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 4 Dec 25 Duration Returns 1 Month -2% 3 Month 0.4% 6 Month 1.4% 1 Year -6.5% 3 Year 23.4% 5 Year 28% 10 Year 15 Year Since launch 17.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 32.4% 2023 49% 2022 13.9% 2021 51.6% 2020 2.7% 2019 6.7% 2018 -17.2% 2017 47% 2016 4.1% 2015 0.7% Fund Manager information for DSP India T.I.G.E.R Fund
Name Since Tenure Data below for DSP India T.I.G.E.R Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 5. Canara Robeco Infrastructure
Canara Robeco Infrastructure
Growth Launch Date 2 Dec 05 NAV (04 Dec 25) ₹157.8 ↓ -1.06 (-0.67 %) Net Assets (Cr) ₹936 on 31 Oct 25 Category Equity - Sectoral AMC Canara Robeco Asset Management Co. Ltd. Rating Risk High Expense Ratio 2.32 Sharpe Ratio -0.02 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 Returns for Canara Robeco Infrastructure
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Dec 25 Duration Returns 1 Month -4% 3 Month -0.9% 6 Month -1% 1 Year -3.4% 3 Year 23.1% 5 Year 27.8% 10 Year 15 Year Since launch 14.8% 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 Data below for Canara Robeco Infrastructure as on 31 Oct 25
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 6. Nippon India Power and Infra Fund
Nippon India Power and Infra Fund
Growth Launch Date 8 May 04 NAV (04 Dec 25) ₹344.171 ↓ -0.56 (-0.16 %) Net Assets (Cr) ₹7,530 on 31 Oct 25 Category Equity - Sectoral AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk High Expense Ratio 1.85 Sharpe Ratio -0.12 Information Ratio 0.57 Alpha Ratio -7.46 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 Returns for Nippon India Power and Infra Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Dec 25 Duration Returns 1 Month -3.3% 3 Month 1.3% 6 Month 0.2% 1 Year -5.4% 3 Year 24.1% 5 Year 27.6% 10 Year 15 Year Since launch 17.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 26.9% 2023 58% 2022 10.9% 2021 48.9% 2020 10.8% 2019 -2.9% 2018 -21.1% 2017 61.7% 2016 0.1% 2015 0.3% Fund Manager information for Nippon India Power and Infra Fund
Name Since Tenure Data below for Nippon India Power and Infra Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 7. Franklin Build India Fund
Franklin Build India Fund
Growth Launch Date 4 Sep 09 NAV (04 Dec 25) ₹142.641 ↓ -0.02 (-0.01 %) Net Assets (Cr) ₹3,088 on 31 Oct 25 Category Equity - Sectoral AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆☆☆ Risk High Expense Ratio 2.01 Sharpe Ratio -0.11 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 Returns for Franklin Build India Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Dec 25 Duration Returns 1 Month -1.9% 3 Month 2.1% 6 Month 2.7% 1 Year -0.8% 3 Year 24.7% 5 Year 27.5% 10 Year 15 Year Since launch 17.8% 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 Data below for Franklin Build India Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 8. Bandhan Infrastructure Fund
Bandhan Infrastructure Fund
Growth Launch Date 8 Mar 11 NAV (04 Dec 25) ₹48.062 ↓ -0.22 (-0.46 %) Net Assets (Cr) ₹1,625 on 31 Oct 25 Category Equity - Sectoral AMC IDFC Asset Management Company Limited Rating ☆☆☆☆☆ Risk High Expense Ratio 2.1 Sharpe Ratio -0.31 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 Returns for Bandhan Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Dec 25 Duration Returns 1 Month -4.1% 3 Month -2.5% 6 Month -4.5% 1 Year -10.7% 3 Year 23.2% 5 Year 27.1% 10 Year 15 Year Since launch 11.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 39.3% 2023 50.3% 2022 1.7% 2021 64.8% 2020 6.3% 2019 -5.3% 2018 -25.9% 2017 58.7% 2016 10.7% 2015 -0.2% Fund Manager information for Bandhan Infrastructure Fund
Name Since Tenure Data below for Bandhan Infrastructure Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 9. Invesco India PSU Equity Fund
Invesco India PSU Equity Fund
Growth Launch Date 18 Nov 09 NAV (04 Dec 25) ₹64.42 ↑ 0.14 (0.22 %) Net Assets (Cr) ₹1,466 on 31 Oct 25 Category Equity - Sectoral AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk High Expense Ratio 2.14 Sharpe Ratio 0.09 Information Ratio -0.6 Alpha Ratio -0.54 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 Returns for Invesco India PSU Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Dec 25 Duration Returns 1 Month -3.4% 3 Month 5.9% 6 Month 0.7% 1 Year 0.2% 3 Year 26.7% 5 Year 27.1% 10 Year 15 Year Since launch 12.3% 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 Data below for Invesco India PSU Equity Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 10. LIC MF Infrastructure Fund
LIC MF Infrastructure Fund
Growth Launch Date 29 Feb 08 NAV (04 Dec 25) ₹48.7876 ↓ -0.31 (-0.64 %) Net Assets (Cr) ₹1,054 on 31 Oct 25 Category Equity - Sectoral AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating Risk High Expense Ratio 2.21 Sharpe Ratio -0.04 Information Ratio 0.4 Alpha Ratio -6.32 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 Returns for LIC MF Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Dec 25 Duration Returns 1 Month -4.5% 3 Month 0.8% 6 Month -1.2% 1 Year -6.2% 3 Year 25.5% 5 Year 26.7% 10 Year 15 Year Since launch 9.3% 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 Data below for LIC MF Infrastructure Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 11. Kotak Infrastructure & Economic Reform Fund
Kotak Infrastructure & Economic Reform Fund
Growth Launch Date 25 Feb 08 NAV (04 Dec 25) ₹64.885 ↓ -0.21 (-0.32 %) Net Assets (Cr) ₹2,425 on 31 Oct 25 Category Equity - Sectoral AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆ Risk High Expense Ratio 2.01 Sharpe Ratio -0.14 Information Ratio -0.11 Alpha Ratio -8.58 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 Returns for Kotak Infrastructure & Economic Reform Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Dec 25 Duration Returns 1 Month -3.1% 3 Month 0.7% 6 Month -1% 1 Year -6.1% 3 Year 19.3% 5 Year 26.4% 10 Year 15 Year Since launch 11.1% 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 Data below for Kotak Infrastructure & Economic Reform Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity
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.
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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