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What are Diversified Funds (Multi Cap Funds)?
In the game of Investing, where returns are essentially important, somehow risk-adjusted returns is what eventually counts. And to strengthen the risk-adjusted returns if one has a long-term view, diversified equities can prove to be beneficial. Diversified funds have historically proven to come out as a winner in most Market conditions given long holding periods. They invest across all spectrums of capitalization, within permitted risk levels. But are these funds for you? Let’s find out.
Diversified Equity Funds, also known as Multi-cap or Flexi cap funds, invest in stocks of companies across market capitalization i.e.,-large cap, mid and small cap stocks. In other words, they have the flexibility to adapt their portfolios according to the market. They typically invest anywhere between 40-60% in large cap stocks, 10-40% in mid-cap stocks and about 10% in small-cap stocks. Sometimes, the exposure to small-caps may be very small or none at all.
Diversified funds do not have any limitations on market caps from an investment point of view. They don’t follow a sectoral approach, instead adopting a growth or Value investing strategy, buying stocks whose price are relatively lower to their historical performance, Book Value, Earnings, cash flow potential and dividend yields.
These funds balance out the risk and reduce the volatility that usually comes with stock investments by investing across market capitalizations and sectors. Larger companies (large caps) tend to perform better during tough market times than the smaller companies, and they can provide investors with better investment returns. Mid-cap stocks can stabilize portfolio returns with higher growth potential than the large cap stocks and less risky than the small cap stocks. However, irrespective of the market caps, all stock investments carry a certain level of risk, and investors should closely monitor their investments as business conditions can change daily. Given that the Underlying investment is equity, there is a risk of loss of Capital that can occur in the short term.
Nevertheless, diversified funds have exceptionally performed well over past 5 years, especially after elections, returning 23% p.a. and 21% p.a. for the last 3-5 years, respectively.
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Why to Invest in Diversified Funds?
As diversified funds or multi-cap funds invest across market caps, they have several benefits compared to funds focused on any one particular market cap. Some of these are discussed below:
The foremost advantage of diversified funds is that it reduces the need to keep a track on multiple funds in the portfolio distinctly. As the monies are invested across market capitalization, the need to maintain separate Large cap funds, mid and Small cap funds is eliminated.
During bull market phases, diversified funds tend to outperform large caps (in the long term) by capturing some of the upside offered by small and mid-cap funds. In the bull market rallies, the large-cap valuations (P/E multiples) run up faster to a point where they appear stretched, in such scenario mid-cap stocks tend to outperform.
Since, diversified funds have all three large cap, mid cap and small cap companies in their portfolio, they have potential to deliver good performance on a consistent Basis.
In the bear market phases, small and mid-cap stocks tend to suffer sharp declines and liquidity issues. Also, consequently, they face liquidity constraints when Redemption pressures increase during phases of bear markets, especially when investors are exiting investments. On the other hand, diversified funds don’t face liquidity problems as much—as large cap stocks comprise a sustainable portion of the portfolio.
Diversified funds are suitable for investors who start with just one fund and still want to invest across market caps. Also, investors who are not sure of their risk tolerance levels can take advantage of diversified funds.
Fund managers of diversified funds invest in companies of all sizes i.e. large, mid, small cap, based on their long-term growth potential. They also change their portfolio allocations between different sectors from time to time, to maximize fund the performance within defined investment objectives. Investing in diversified or multi-cap funds helps to prevent the tendency of investors to switch between large cap funds and mid-cap/small-cap funds based on short-term performance.
Risk in Diversified Funds
Diversified funds may suffer massively if the moves are extreme, during falls of the markets, diversified funds are affected from than large caps. This is due to the fact that during most declines, the fall in small & mid-caps is much higher. This can lead to higher volatility of returns, causing these funds to have a higher Standard Deviation, which is one of the important parameters to measure a fund's risk. Larger the standard deviation, higher will be the level of risk.
Who Should Invest in Diversified Mutual Funds?
An investor who has a moderate-risk appetite and who wishes to have an exposure in equities can park their funds in diversified funds. Also, investors who are not well-versed with the technique of Asset Allocation in respect to investments can also put a part of their funds here.
Investors incline towards investing in these funds as it holds a mix of stocks across market capitalizations. Any high degree of volatility shown by either small cap or mid cap funds can be balanced by the stability provided by large-cap equity funds. However, the returns from such diversified funds are vastly dependent on the fund manager’s knowledge and intelligence as to how he is able to include stocks as per the market conditions. In this situation, there is a probability of fund manager going wrong in his allocation strategy. That is why it is advisable for investors to study the record of the fund manager before investing in diversified funds.
Taxation on Diversified Equity Funds
The short-term and long-term Capital Gains offered by Mutual Funds are taxed at different rates.
| Fund Type | Short-Term Capital Gains | Long-Term Capital Gains |
|---|---|---|
| Equity funds | 15% + cess + surcharge | Up to Rs. 1 lakh a year is tax-exempt. Any gains above Rs. 1 lakh are taxed at 10% + cess + surcharge |
Best Diversified Funds to Invest in 2022 - 2023
Top performing diversified funds in India are as follows-
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2021 (%) Mahindra Badhat Yojana Growth ₹20.5145
↑ 0.40 ₹1,388 13.6 -0.5 0.8 23.2 14.6 50.8 PGIM India Diversified Equity Fund Growth ₹24.82
↑ 0.33 ₹5,081 9.8 -3.5 -6.7 23.1 14.4 43.5 Parag Parikh Long Term Equity Fund Growth ₹46.7469
↑ 0.15 ₹25,996 6.3 -5.5 -5.7 22.5 16.3 45.5 Principal Multi Cap Growth Fund Growth ₹237.831
↑ 2.97 ₹1,903 12.3 0.5 2.8 20.5 12.2 46.3 Nippon India Multi Cap Fund Growth ₹162.897
↑ 2.90 ₹13,224 17.9 7.6 12.1 20.3 13.7 48.9 Baroda Pioneer Multi Cap Fund Growth ₹166.812
↑ 2.72 ₹1,694 11 -4.4 -1.7 20 11.7 47.9 Franklin India Equity Fund Growth ₹963.211
↑ 14.72 ₹10,245 11.9 1.4 1.5 19.4 12 40.3 UTI Equity Fund Growth ₹238.88
↑ 3.27 ₹26,503 12.2 -2.5 -9.5 18.9 14.4 34 Invesco India Multicap Fund Growth ₹77.54
↑ 1.01 ₹2,192 13.3 1.5 -2.5 18.6 11 40.7 HDFC Equity Fund Growth ₹1,066.17
↑ 13.19 ₹30,473 11.2 5.4 8.6 18.4 13 36.2 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Sep 22
The investment objective of the Scheme is to provide medium to long term capital appreciation through appropriate diversification and taking low risk on business quality. The diversified portfolio would predominantly consist of equity and equity related securities including derivatives. However, there can be no assurance that the investment objective of the Scheme will be achieved. Mahindra Badhat Yojana is a Equity - Multi Cap fund was launched on 11 May 17. It is a fund with Moderately High risk and has given a Below is the key information for Mahindra Badhat Yojana Returns up to 1 year are on To generate income & capital appreciation by predominantly investing in an actively managed diversified portfolio of equity & equity related instruments including derivatives. PGIM India Diversified Equity Fund is a Equity - Multi Cap fund was launched on 4 Mar 15. It is a fund with Moderately High risk and has given a Below is the key information for PGIM India Diversified Equity Fund Returns up to 1 year are on (Erstwhile Parag Parikh Long Term Value Fund) The investment objective of the scheme is to seek to generate long-term capital growth from an actively managed portfolio primarily of equity and equity related securities. Parag Parikh Long Term Equity Fund is a Equity - Multi Cap fund was launched on 24 May 13. It is a fund with Moderately High risk and has given a Below is the key information for Parag Parikh Long Term Equity Fund Returns up to 1 year are on (Erstwhile Principal Growth Fund) The primary investment objective of the scheme is to achieve long-term capital appreciation. Principal Multi Cap Growth Fund is a Equity - Multi Cap fund was launched on 25 Oct 00. It is a fund with Moderately High risk and has given a Below is the key information for Principal Multi Cap Growth Fund Returns up to 1 year are on (Erstwhile Reliance Equity Opportunities Fund) The primary investment objective of the scheme is to seek to generate capital appreciation & provide long-term growth opportunities by investing in a portfolio constituted of equity securities & equity related securities and the secondary objective is to generate consistent returns by investing in debt and money market securities. Nippon India Multi Cap Fund is a Equity - Multi Cap fund was launched on 28 Mar 05. It is a fund with Moderately High risk and has given a Below is the key information for Nippon India Multi Cap Fund Returns up to 1 year are on (Erstwhile Baroda Pioneer Growth Fund) To generate long term capital appreciation from an actively managed portfolio of equity & equity related instruments. Baroda Pioneer Multi Cap Fund is a Equity - Multi Cap fund was launched on 12 Sep 03. It is a fund with Moderately High risk and has given a Below is the key information for Baroda Pioneer Multi Cap Fund Returns up to 1 year are on (Erstwhile Franklin India Prima Plus) The investment objective of Prima Plus is to provide growth of capital plus regular dividend through a diversified portfolio of equities, fixed income securities and money market instruments. Franklin India Equity Fund is a Equity - Multi Cap fund was launched on 29 Sep 94. It is a fund with Moderately High risk and has given a Below is the key information for Franklin India Equity Fund Returns up to 1 year are on This Scheme primarily aims at securing for the unitholders capital appreciation by investing the funds of the scheme in equity shares and convertible and non-convertible bonds/ debentures of companies with good growth prospects and money market instruments. UTI Equity Fund is a Equity - Multi Cap fund was launched on 18 May 92. It is a fund with Moderately High risk and has given a Below is the key information for UTI Equity Fund Returns up to 1 year are on (Erstwhile Invesco India Mid N Small Cap Fund) The investment objective of the Scheme is to provide long term capital appreciation by investing in a portfolio that is predominantly constituted of equity and equity related instruments of mid and small cap companies. Invesco India Multicap Fund is a Equity - Multi Cap fund was launched on 17 Mar 08. It is a fund with Moderately High risk and has given a Below is the key information for Invesco India Multicap Fund Returns up to 1 year are on Aims at providing capital appreciation through investments predominantly in equity oriented securities HDFC Equity Fund is a Equity - Multi Cap fund was launched on 1 Jan 95. It is a fund with Moderately High risk and has given a Below is the key information for HDFC Equity Fund Returns up to 1 year are on 1. Mahindra Badhat Yojana
CAGR/Annualized return of 14.2% since its launch. Return for 2021 was 50.8% , 2020 was 16.6% and 2019 was 13.8% . Mahindra Badhat Yojana
Growth Launch Date 11 May 17 NAV (30 Sep 22) ₹20.5145 ↑ 0.40 (1.97 %) Net Assets (Cr) ₹1,388 on 31 Aug 22 Category Equity - Multi Cap AMC Mahindra Asset Management Company Pvt. Ltd. Rating Risk Moderately High Expense Ratio 2.39 Sharpe Ratio 0.19 Information Ratio 0.37 Alpha Ratio -1.35 Min Investment 1,000 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 17 ₹10,000 30 Sep 18 ₹9,773 30 Sep 19 ₹10,564 30 Sep 20 ₹10,940 30 Sep 21 ₹19,599 Returns for Mahindra Badhat Yojana
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 22 Duration Returns 1 Month -0.8% 3 Month 13.6% 6 Month -0.5% 1 Year 0.8% 3 Year 23.2% 5 Year 14.6% 10 Year 15 Year Since launch 14.2% Historical performance (Yearly) on absolute basis
Year Returns 2021 50.8% 2020 16.6% 2019 13.8% 2018 -9.9% 2017 2016 2015 2014 2013 2012 Fund Manager information for Mahindra Badhat Yojana
Name Since Tenure Manish Lodha 21 Dec 20 1.69 Yr. Fatema Pacha 16 Oct 20 1.87 Yr. Data below for Mahindra Badhat Yojana as on 31 Aug 22
Equity Sector Allocation
Sector Value Financial Services 25.6% Industrials 19.46% Consumer Cyclical 13.77% Technology 10.86% Basic Materials 8.16% Energy 6.05% Communication Services 4.2% Consumer Defensive 3.84% Utility 3.04% Health Care 2.48% Real Estate 0.26% Asset Allocation
Asset Class Value Cash 2.28% Equity 97.72% Top Securities Holdings / Portfolio
Name Holding Value Quantity Infosys Ltd (Technology)
Equity, Since 31 May 18 | INFY5% ₹67 Cr 446,850 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | ICICIBANK5% ₹66 Cr 747,900
↓ -45,000 State Bank of India (Financial Services)
Equity, Since 31 Oct 18 | SBIN4% ₹56 Cr 1,051,051
↓ -261,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 22 | HDFCBANK3% ₹40 Cr 270,000
↑ 270,000 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Aug 21 | 5411543% ₹40 Cr 172,800 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 22 | RELIANCE3% ₹39 Cr 148,500
↓ -27,000 United Spirits Ltd (Consumer Defensive)
Equity, Since 30 Sep 21 | 5324323% ₹38 Cr 468,000
↑ 90,000 Escorts Kubota Ltd (Industrials)
Equity, Since 30 Nov 21 | 5004953% ₹38 Cr 189,000 Deepak Fertilisers & Petrochemicals Corp Ltd (Basic Materials)
Equity, Since 30 Apr 22 | 5006453% ₹36 Cr 389,494 Tech Mahindra Ltd (Technology)
Equity, Since 31 Dec 21 | 5327553% ₹35 Cr 324,000 2. PGIM India Diversified Equity Fund
CAGR/Annualized return of 12.7% since its launch. Return for 2021 was 43.5% , 2020 was 35.9% and 2019 was 10% . PGIM India Diversified Equity Fund
Growth Launch Date 4 Mar 15 NAV (30 Sep 22) ₹24.82 ↑ 0.33 (1.35 %) Net Assets (Cr) ₹5,081 on 31 Aug 22 Category Equity - Multi Cap AMC Pramerica Asset Managers Private Limited Rating Risk Moderately High Expense Ratio 2.54 Sharpe Ratio -0.32 Information Ratio 0.91 Alpha Ratio -8.31 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-365 Days (1%),365 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Sep 17 ₹10,000 30 Sep 18 ₹9,874 30 Sep 19 ₹10,522 30 Sep 20 ₹12,119 30 Sep 21 ₹21,036 Returns for PGIM India Diversified Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 22 Duration Returns 1 Month -2.9% 3 Month 9.8% 6 Month -3.5% 1 Year -6.7% 3 Year 23.1% 5 Year 14.4% 10 Year 15 Year Since launch 12.7% Historical performance (Yearly) on absolute basis
Year Returns 2021 43.5% 2020 35.9% 2019 10% 2018 -7.9% 2017 36.6% 2016 -0.6% 2015 2014 2013 2012 Fund Manager information for PGIM India Diversified Equity Fund
Name Since Tenure Bhupesh Kalyani 13 Sep 22 0 Yr. Aniruddha Naha 5 Apr 18 4.41 Yr. A. Anandha Padmanabhan 1 Jun 21 1.25 Yr. Rahul Jagwani 12 May 22 0.3 Yr. Data below for PGIM India Diversified Equity Fund as on 31 Aug 22
Equity Sector Allocation
Sector Value Financial Services 30.4% Consumer Cyclical 16.32% Industrials 14.87% Basic Materials 9.37% Technology 6.99% Communication Services 6.2% Utility 2.9% Energy 2.6% Consumer Defensive 2.58% Health Care 1.76% Real Estate 1.21% Asset Allocation
Asset Class Value Cash 4.8% Equity 95.2% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | ICICIBANK9% ₹444 Cr 5,000,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 22 | HDFCBANK7% ₹372 Cr 2,500,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Jan 21 | 5322154% ₹196 Cr 2,606,000
↓ -500,000 Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 30 Jun 22 | M&M3% ₹172 Cr 1,317,588
↓ -75,000 Cholamandalam Investment and Finance Co Ltd (Financial Services)
Equity, Since 30 Jun 22 | CHOLAFIN3% ₹169 Cr 2,132,500
↑ 712,500 Infosys Ltd (Technology)
Equity, Since 31 Mar 20 | INFY3% ₹164 Cr 1,098,743
↓ -430,000 Can Fin Homes Ltd (Financial Services)
Equity, Since 30 Sep 20 | 5111963% ₹161 Cr 2,541,333
↑ 300,000 Route Mobile Ltd Ordinary Shares (Communication Services)
Equity, Since 30 Apr 22 | 5432283% ₹148 Cr 974,504
↑ 344,500 NTPC Ltd (Utilities)
Equity, Since 31 Aug 22 | 5325553% ₹148 Cr 9,000,000
↑ 9,000,000 Bharat Electronics Ltd (Industrials)
Equity, Since 28 Feb 22 | BEL3% ₹138 Cr 4,500,000
↓ -500,000 3. Parag Parikh Long Term Equity Fund
CAGR/Annualized return of 17.9% since its launch. Ranked 34 in Multi Cap category. Return for 2021 was 45.5% , 2020 was 32.3% and 2019 was 14.4% . Parag Parikh Long Term Equity Fund
Growth Launch Date 24 May 13 NAV (30 Sep 22) ₹46.7469 ↑ 0.15 (0.32 %) Net Assets (Cr) ₹25,996 on 31 Aug 22 Category Equity - Multi Cap AMC PPFAS Asset Management Pvt. Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 1.84 Sharpe Ratio -0.18 Information Ratio 0.44 Alpha Ratio -5.28 Min Investment 1,000 Min SIP Investment 1,000 Exit Load 0-365 Days (2%),365-730 Days (1%),730 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Sep 17 ₹10,000 30 Sep 18 ₹11,094 30 Sep 19 ₹11,551 30 Sep 20 ₹14,320 30 Sep 21 ₹22,537 Returns for Parag Parikh Long Term Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 22 Duration Returns 1 Month -2.9% 3 Month 6.3% 6 Month -5.5% 1 Year -5.7% 3 Year 22.5% 5 Year 16.3% 10 Year 15 Year Since launch 17.9% Historical performance (Yearly) on absolute basis
Year Returns 2021 45.5% 2020 32.3% 2019 14.4% 2018 -0.4% 2017 29.4% 2016 3.3% 2015 8.9% 2014 44.8% 2013 2012 Fund Manager information for Parag Parikh Long Term Equity Fund
Name Since Tenure Raj Mehta 27 Jan 16 6.6 Yr. Rajeev Thakkar 24 May 13 9.28 Yr. Raunak Onkar 24 May 13 9.28 Yr. Rukun Tarachandani 16 May 22 0.29 Yr. Data below for Parag Parikh Long Term Equity Fund as on 31 Aug 22
Equity Sector Allocation
Sector Value Financial Services 36.06% Technology 11.37% Consumer Cyclical 11.35% Communication Services 8.89% Consumer Defensive 7.48% Utility 5.05% Health Care 4.73% Energy 4.39% Basic Materials 0.58% Asset Allocation
Asset Class Value Cash 10.09% Equity 89.91% Top Securities Holdings / Portfolio
Name Holding Value Quantity Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 30 Apr 22 | HDFC8% ₹2,131 Cr 8,712,504
↑ 325,000 Bajaj Holdings and Investment Ltd (Financial Services)
Equity, Since 31 Oct 16 | 5004908% ₹2,009 Cr 3,675,550
↑ 32,087 ITC Ltd (Consumer Defensive)
Equity, Since 31 Mar 20 | ITC7% ₹1,945 Cr 60,698,959 ICICI Bank Ltd (Financial Services)
Equity, Since 31 May 14 | ICICIBANK6% ₹1,613 Cr 18,180,614 Alphabet Inc Class A (Communication Services)
Equity, Since 31 May 21 | GOOGL6% ₹1,564 Cr 1,799,290 Microsoft Corp (Technology)
Equity, Since 30 Apr 20 | MSFT6% ₹1,504 Cr 713,688 Axis Bank Ltd (Financial Services)
Equity, Since 30 Jun 13 | 5322155% ₹1,333 Cr 17,739,011
↑ 300,000 Amazon.com Inc (Consumer Cyclical)
Equity, Since 31 Jan 19 | AMZN5% ₹1,321 Cr 1,281,380 HCL Technologies Ltd (Technology)
Equity, Since 31 Jan 21 | HCLTECH5% ₹1,319 Cr 14,049,083
↑ 1,266,362 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 30 Sep 21 | 5328985% ₹1,314 Cr 57,222,496 4. Principal Multi Cap Growth Fund
CAGR/Annualized return of 15.5% since its launch. Ranked 12 in Multi Cap category. Return for 2021 was 46.3% , 2020 was 15% and 2019 was 3.9% . Principal Multi Cap Growth Fund
Growth Launch Date 25 Oct 00 NAV (30 Sep 22) ₹237.831 ↑ 2.97 (1.26 %) Net Assets (Cr) ₹1,903 on 31 Aug 22 Category Equity - Multi Cap AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd. Rating ☆☆☆☆ Risk Moderately High Expense Ratio 2.48 Sharpe Ratio 0.32 Information Ratio -0.24 Alpha Ratio 0.83 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 17 ₹10,000 30 Sep 18 ₹10,266 30 Sep 19 ₹10,170 30 Sep 20 ₹10,216 30 Sep 21 ₹17,304 Returns for Principal Multi Cap Growth Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 22 Duration Returns 1 Month -2.1% 3 Month 12.3% 6 Month 0.5% 1 Year 2.8% 3 Year 20.5% 5 Year 12.2% 10 Year 15 Year Since launch 15.5% Historical performance (Yearly) on absolute basis
Year Returns 2021 46.3% 2020 15% 2019 3.9% 2018 -8.7% 2017 48.7% 2016 6.4% 2015 2.8% 2014 49.4% 2013 8.3% 2012 46% Fund Manager information for Principal Multi Cap Growth Fund
Name Since Tenure Ratish Varier 1 Jan 22 0.67 Yr. Sudhir Kedia 1 Jan 22 0.67 Yr. Data below for Principal Multi Cap Growth Fund as on 31 Aug 22
Equity Sector Allocation
Sector Value Financial Services 28.12% Industrials 17.66% Consumer Cyclical 12.75% Technology 8.48% Basic Materials 7.25% Energy 5.94% Health Care 5.31% Consumer Defensive 4.03% Real Estate 3.82% Communication Services 2.27% Asset Allocation
Asset Class Value Cash 3.34% Equity 96.66% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reliance Industries Ltd (Energy)
Equity, Since 31 Jan 05 | RELIANCE6% ₹113 Cr 428,238 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK5% ₹90 Cr 1,012,161 State Bank of India (Financial Services)
Equity, Since 30 Nov 08 | SBIN4% ₹83 Cr 1,564,122
↑ 24,424 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 09 | HDFCBANK4% ₹79 Cr 530,246 Infosys Ltd (Technology)
Equity, Since 30 Apr 08 | INFY4% ₹67 Cr 452,087 Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 17 | 5322153% ₹57 Cr 760,841
↑ 55,725 Ashok Leyland Ltd (Industrials)
Equity, Since 31 Oct 21 | 5004773% ₹55 Cr 3,600,690 3M India Ltd (Industrials)
Equity, Since 31 Dec 21 | 5233952% ₹47 Cr 20,262
↑ 3,176 Can Fin Homes Ltd (Financial Services)
Equity, Since 31 Jan 20 | 5111962% ₹47 Cr 739,710 SRF Ltd (Basic Materials)
Equity, Since 28 Feb 19 | SRF2% ₹47 Cr 184,150 5. Nippon India Multi Cap Fund
CAGR/Annualized return of 17.3% since its launch. Ranked 63 in Multi Cap category. Return for 2021 was 48.9% , 2020 was 0% and 2019 was 2.2% . Nippon India Multi Cap Fund
Growth Launch Date 28 Mar 05 NAV (30 Sep 22) ₹162.897 ↑ 2.90 (1.81 %) Net Assets (Cr) ₹13,224 on 31 Aug 22 Category Equity - Multi Cap AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderately High Expense Ratio 1.94 Sharpe Ratio 0.72 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 17 ₹10,000 30 Sep 18 ₹10,418 30 Sep 19 ₹10,917 30 Sep 20 ₹9,251 30 Sep 21 ₹16,972 Returns for Nippon India Multi Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 22 Duration Returns 1 Month 1.4% 3 Month 17.9% 6 Month 7.6% 1 Year 12.1% 3 Year 20.3% 5 Year 13.7% 10 Year 15 Year Since launch 17.3% Historical performance (Yearly) on absolute basis
Year Returns 2021 48.9% 2020 0% 2019 2.2% 2018 -2.2% 2017 40.9% 2016 -6.7% 2015 0.5% 2014 59.7% 2013 4.6% 2012 47.4% Fund Manager information for Nippon India Multi Cap Fund
Name Since Tenure Sailesh Raj Bhan 31 Mar 05 17.43 Yr. Ashutosh Bhargava 1 Sep 21 1 Yr. Kinjal Desai 25 May 18 4.27 Yr. Data below for Nippon India Multi Cap Fund as on 31 Aug 22
Equity Sector Allocation
Sector Value Financial Services 26.35% Industrials 22.47% Consumer Cyclical 20.8% Technology 7.62% Basic Materials 5.99% Health Care 5.45% Consumer Defensive 3.18% Communication Services 3.18% Energy 1.6% Real Estate 0.65% Asset Allocation
Asset Class Value Cash 2.34% Equity 97.66% Top Securities Holdings / Portfolio
Name Holding Value Quantity Linde India Ltd (Basic Materials)
Equity, Since 31 May 13 | 5234575% ₹618 Cr 1,803,610
↓ -14,525 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 10 | HDFCBANK4% ₹595 Cr 4,000,448
↑ 400,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Mar 10 | LT4% ₹538 Cr 2,800,000
↑ 400,000 Indian Hotels Co Ltd (Consumer Cyclical)
Equity, Since 31 May 14 | 5008504% ₹514 Cr 18,000,000
↓ -500,000 Kennametal India Ltd (Industrials)
Equity, Since 31 Mar 13 | 5058904% ₹482 Cr 2,032,159 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK4% ₹470 Cr 5,300,000
↓ -300,000 Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 31 May 21 | HDFC3% ₹416 Cr 1,700,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Jan 15 | 5322153% ₹406 Cr 5,400,121
↓ -600,000 EIH Ltd (Consumer Cyclical)
Equity, Since 31 Jul 14 | 5008403% ₹381 Cr 23,753,076 Zee Entertainment Enterprises Ltd (Communication Services)
Equity, Since 31 May 21 | ZEEL3% ₹347 Cr 13,500,000 6. Baroda Pioneer Multi Cap Fund
CAGR/Annualized return of 15.9% since its launch. Ranked 37 in Multi Cap category. Return for 2021 was 47.9% , 2020 was 19.5% and 2019 was 8.9% . Baroda Pioneer Multi Cap Fund
Growth Launch Date 12 Sep 03 NAV (30 Sep 22) ₹166.812 ↑ 2.72 (1.66 %) Net Assets (Cr) ₹1,694 on 31 Aug 22 Category Equity - Multi Cap AMC Baroda Pioneer Asset Management Co. Ltd. Rating ☆☆☆ Risk Moderately High Expense Ratio 2.47 Sharpe Ratio 0.15 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-365 Days (1%),365 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Sep 17 ₹10,000 30 Sep 18 ₹9,584 30 Sep 19 ₹10,063 30 Sep 20 ₹10,072 30 Sep 21 ₹17,689 Returns for Baroda Pioneer Multi Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 22 Duration Returns 1 Month -1.6% 3 Month 11% 6 Month -4.4% 1 Year -1.7% 3 Year 20% 5 Year 11.7% 10 Year 15 Year Since launch 15.9% Historical performance (Yearly) on absolute basis
Year Returns 2021 47.9% 2020 19.5% 2019 8.9% 2018 -11.9% 2017 36.8% 2016 2.3% 2015 -1.6% 2014 46.5% 2013 3.6% 2012 25.7% Fund Manager information for Baroda Pioneer Multi Cap Fund
Name Since Tenure Sanjay Chawla 1 Nov 15 6.84 Yr. Sandeep Jain 14 Mar 22 0.47 Yr. Data below for Baroda Pioneer Multi Cap Fund as on 31 Aug 22
Equity Sector Allocation
Sector Value Financial Services 22.27% Consumer Cyclical 16.46% Health Care 12.31% Technology 10.66% Industrials 10.1% Basic Materials 7.7% Communication Services 5.26% Energy 4.28% Consumer Defensive 2.56% Real Estate 2.16% Utility 0.91% Asset Allocation
Asset Class Value Cash 4.68% Equity 95.32% Other 0% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jan 17 | ICICIBANK8% ₹139 Cr 1,564,815 Infosys Ltd (Technology)
Equity, Since 31 Jan 18 | INFY6% ₹94 Cr 628,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 17 | HDFCBANK5% ₹83 Cr 560,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 21 | RELIANCE4% ₹73 Cr 275,000 J.B. Chemicals & Pharmaceuticals Ltd (Healthcare)
Equity, Since 30 Jun 21 | 5069433% ₹44 Cr 246,384
↑ 41,384 Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 30 Nov 20 | SUNPHARMA3% ₹44 Cr 490,000
↓ -100,000 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Sep 20 | 5324973% ₹43 Cr 415,000 Fortis Healthcare Ltd (Healthcare)
Equity, Since 30 Sep 21 | 5328433% ₹43 Cr 1,475,000 Bank of Baroda (Financial Services)
Equity, Since 30 Jun 21 | 5321343% ₹43 Cr 3,310,000 Brigade Enterprises Ltd (Real Estate)
Equity, Since 30 Sep 21 | 5329292% ₹37 Cr 713,713 7. Franklin India Equity Fund
CAGR/Annualized return of 17.7% since its launch. Ranked 50 in Multi Cap category. Return for 2021 was 40.3% , 2020 was 16% and 2019 was 3.3% . Franklin India Equity Fund
Growth Launch Date 29 Sep 94 NAV (30 Sep 22) ₹963.211 ↑ 14.72 (1.55 %) Net Assets (Cr) ₹10,245 on 31 Aug 22 Category Equity - Multi Cap AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 1.84 Sharpe Ratio 0.35 Information Ratio 0.19 Alpha Ratio 1.93 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 17 ₹10,000 30 Sep 18 ₹10,409 30 Sep 19 ₹10,346 30 Sep 20 ₹9,844 30 Sep 21 ₹17,337 Returns for Franklin India Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 22 Duration Returns 1 Month -1.7% 3 Month 11.9% 6 Month 1.4% 1 Year 1.5% 3 Year 19.4% 5 Year 12% 10 Year 15 Year Since launch 17.7% Historical performance (Yearly) on absolute basis
Year Returns 2021 40.3% 2020 16% 2019 3.3% 2018 -4.4% 2017 30.6% 2016 5% 2015 4.4% 2014 56.8% 2013 5.5% 2012 31% Fund Manager information for Franklin India Equity Fund
Name Since Tenure Anand Radhakrishnan 2 Apr 07 15.42 Yr. R. Janakiraman 1 Feb 11 11.59 Yr. Sandeep Manam 18 Oct 21 0.87 Yr. Data below for Franklin India Equity Fund as on 31 Aug 22
Equity Sector Allocation
Sector Value Financial Services 30.66% Consumer Cyclical 11.07% Technology 10.06% Industrials 9.65% Consumer Defensive 8.6% Basic Materials 7.65% Utility 5.43% Communication Services 4.82% Energy 3.14% Health Care 2.71% Asset Allocation
Asset Class Value Cash 6.2% Equity 93.8% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jan 10 | ICICIBANK9% ₹887 Cr 10,000,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 11 | HDFCBANK8% ₹788 Cr 5,300,000 Axis Bank Ltd (Financial Services)
Equity, Since 30 Jun 14 | 5322156% ₹631 Cr 8,400,000
↓ -200,000 Infosys Ltd (Technology)
Equity, Since 29 Feb 12 | INFY6% ₹597 Cr 4,000,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Aug 13 | LT5% ₹519 Cr 2,700,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 28 Feb 06 | BHARTIARTL5% ₹494 Cr 6,800,000
↓ -300,000 State Bank of India (Financial Services)
Equity, Since 31 Aug 15 | SBIN3% ₹345 Cr 6,500,000
↓ -1,000,000 NTPC Ltd (Utilities)
Equity, Since 28 Feb 17 | 5325553% ₹279 Cr 17,000,000
↓ -1,000,000 Grasim Industries Ltd (Basic Materials)
Equity, Since 31 Jan 19 | GRASIM3% ₹277 Cr 1,650,000 HCL Technologies Ltd (Technology)
Equity, Since 31 Dec 13 | HCLTECH3% ₹272 Cr 2,900,000
↑ 100,000 8. UTI Equity Fund
CAGR/Annualized return of 13.2% since its launch. Ranked 54 in Multi Cap category. Return for 2021 was 34% , 2020 was 31.5% and 2019 was 11.7% . UTI Equity Fund
Growth Launch Date 18 May 92 NAV (30 Sep 22) ₹238.88 ↑ 3.27 (1.39 %) Net Assets (Cr) ₹26,503 on 31 Aug 22 Category Equity - Multi Cap AMC UTI Asset Management Company Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 1.96 Sharpe Ratio -0.43 Information Ratio 0.18 Alpha Ratio -11.14 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 17 ₹10,000 30 Sep 18 ₹11,066 30 Sep 19 ₹11,658 30 Sep 20 ₹12,835 30 Sep 21 ₹21,655 Returns for UTI Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 22 Duration Returns 1 Month -2.6% 3 Month 12.2% 6 Month -2.5% 1 Year -9.5% 3 Year 18.9% 5 Year 14.4% 10 Year 15 Year Since launch 13.2% Historical performance (Yearly) on absolute basis
Year Returns 2021 34% 2020 31.5% 2019 11.7% 2018 3.5% 2017 30.1% 2016 1.1% 2015 0.9% 2014 46.8% 2013 7.6% 2012 32.2% Fund Manager information for UTI Equity Fund
Name Since Tenure Ajay Tyagi 11 Jan 16 6.64 Yr. Data below for UTI Equity Fund as on 31 Aug 22
Equity Sector Allocation
Sector Value Financial Services 26.13% Consumer Cyclical 18.37% Technology 13.22% Health Care 11.53% Basic Materials 8.06% Consumer Defensive 7.35% Industrials 6.67% Communication Services 5.1% Asset Allocation
Asset Class Value Cash 3.43% Equity 96.42% Debt 0.15% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bajaj Finance Ltd (Financial Services)
Equity, Since 30 Nov 17 | 5000346% ₹1,572 Cr 2,151,570
↓ -4,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 21 | ICICIBANK6% ₹1,485 Cr 16,734,040
↑ 1,026,550 HDFC Bank Ltd (Financial Services)
Equity, Since 31 May 07 | HDFCBANK4% ₹1,169 Cr 7,865,972
↓ -248,630 Infosys Ltd (Technology)
Equity, Since 31 May 07 | INFY4% ₹1,105 Cr 7,401,716 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 30 Apr 15 | KOTAKBANK4% ₹1,077 Cr 5,621,401 Avenue Supermarts Ltd (Consumer Defensive)
Equity, Since 31 Jul 19 | 5403764% ₹1,025 Cr 2,262,723
↑ 9,150 Larsen & Toubro Infotech Ltd (Technology)
Equity, Since 31 Aug 18 | 5400054% ₹1,000 Cr 2,153,480 Info Edge (India) Ltd (Communication Services)
Equity, Since 31 Jan 16 | NAUKRI3% ₹816 Cr 1,877,682
↑ 23,158 Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 31 Oct 15 | HDFC3% ₹786 Cr 3,214,028
↓ -160,300 Astral Ltd (Industrials)
Equity, Since 31 Mar 16 | ASTRAL3% ₹745 Cr 3,560,696
↑ 44,360 9. Invesco India Multicap Fund
CAGR/Annualized return of 15.1% since its launch. Ranked 37 in Multi Cap category. Return for 2021 was 40.7% , 2020 was 18.8% and 2019 was 4.6% . Invesco India Multicap Fund
Growth Launch Date 17 Mar 08 NAV (30 Sep 22) ₹77.54 ↑ 1.01 (1.32 %) Net Assets (Cr) ₹2,192 on 31 Aug 22 Category Equity - Multi Cap AMC Invesco Asset Management (India) Private Ltd Rating ☆☆ Risk Moderately High Expense Ratio 2.24 Sharpe Ratio -0.12 Information Ratio -0.57 Alpha Ratio -6.2 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 17 ₹10,000 30 Sep 18 ₹10,000 30 Sep 19 ₹10,102 30 Sep 20 ₹10,363 30 Sep 21 ₹17,276 Returns for Invesco India Multicap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 22 Duration Returns 1 Month -0.5% 3 Month 13.3% 6 Month 1.5% 1 Year -2.5% 3 Year 18.6% 5 Year 11% 10 Year 15 Year Since launch 15.1% Historical performance (Yearly) on absolute basis
Year Returns 2021 40.7% 2020 18.8% 2019 4.6% 2018 -12.5% 2017 46.2% 2016 0.7% 2015 6.7% 2014 72.1% 2013 11.2% 2012 43.9% Fund Manager information for Invesco India Multicap Fund
Name Since Tenure Amit Nigam 3 Sep 20 1.99 Yr. Pranav Gokhale 29 Mar 18 4.43 Yr. Data below for Invesco India Multicap Fund as on 31 Aug 22
Equity Sector Allocation
Sector Value Financial Services 22.99% Industrials 20.77% Consumer Cyclical 15.44% Basic Materials 10.51% Health Care 6.08% Technology 5.63% Consumer Defensive 5.21% Energy 4.33% Utility 2.45% Communication Services 1.12% Real Estate 1.01% Asset Allocation
Asset Class Value Cash 3.56% Equity 96.44% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK6% ₹133 Cr 1,498,238 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 22 | RELIANCE4% ₹95 Cr 359,606
↓ -70,662 Infosys Ltd (Technology)
Equity, Since 31 Mar 22 | INFY4% ₹93 Cr 625,953
↑ 101,451 Axis Bank Ltd (Financial Services)
Equity, Since 31 Oct 20 | 5322153% ₹73 Cr 974,261 Timken India Ltd (Industrials)
Equity, Since 30 Apr 17 | 5221132% ₹53 Cr 174,190 State Bank of India (Financial Services)
Equity, Since 31 Mar 21 | SBIN2% ₹52 Cr 977,235
↓ -139,353 Vinati Organics Ltd (Basic Materials)
Equity, Since 29 Feb 20 | 5242002% ₹49 Cr 223,653
↑ 26,323 Bharat Electronics Ltd (Industrials)
Equity, Since 31 Jul 20 | BEL2% ₹49 Cr 1,596,222 Thermax Ltd (Industrials)
Equity, Since 31 Jan 22 | THERMAX2% ₹48 Cr 197,245
↑ 27,335 Sundaram Fasteners Ltd (Consumer Cyclical)
Equity, Since 31 Jul 20 | SUNDRMFAST2% ₹46 Cr 545,026 10. HDFC Equity Fund
CAGR/Annualized return of 18.3% since its launch. Ranked 34 in Multi Cap category. Return for 2021 was 36.2% , 2020 was 6.4% and 2019 was 6.8% . HDFC Equity Fund
Growth Launch Date 1 Jan 95 NAV (30 Sep 22) ₹1,066.17 ↑ 13.19 (1.25 %) Net Assets (Cr) ₹30,473 on 31 Aug 22 Category Equity - Multi Cap AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 1.79 Sharpe Ratio 0.9 Information Ratio -0.01 Alpha Ratio 10.71 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 17 ₹10,000 30 Sep 18 ₹10,615 30 Sep 19 ₹11,124 30 Sep 20 ₹9,659 30 Sep 21 ₹16,996 Returns for HDFC Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 22 Duration Returns 1 Month -2.7% 3 Month 11.2% 6 Month 5.4% 1 Year 8.6% 3 Year 18.4% 5 Year 13% 10 Year 15 Year Since launch 18.3% Historical performance (Yearly) on absolute basis
Year Returns 2021 36.2% 2020 6.4% 2019 6.8% 2018 -3.5% 2017 36.9% 2016 7.3% 2015 -5.1% 2014 53.8% 2013 3.8% 2012 34.1% Fund Manager information for HDFC Equity Fund
Name Since Tenure Roshi Jain 29 Jul 22 0.09 Yr. Priya Ranjan 1 May 22 0.33 Yr. Data below for HDFC Equity Fund as on 31 Aug 22
Equity Sector Allocation
Sector Value Financial Services 36.44% Industrials 12.48% Energy 10.28% Technology 10.28% Utility 6.11% Communication Services 4.7% Consumer Defensive 4.6% Consumer Cyclical 3.44% Health Care 3.35% Basic Materials 1.11% Asset Allocation
Asset Class Value Cash 7.21% Equity 92.79% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK8% ₹2,398 Cr 27,021,485 State Bank of India (Financial Services)
Equity, Since 31 Jan 03 | SBIN8% ₹2,324 Cr 43,751,213 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 13 | HDFCBANK6% ₹1,681 Cr 11,311,818 Infosys Ltd (Technology)
Equity, Since 31 Oct 08 | INFY5% ₹1,626 Cr 10,890,571 Coal India Ltd (Energy)
Equity, Since 31 Aug 18 | COALINDIA5% ₹1,435 Cr 61,117,058 ITC Ltd (Consumer Defensive)
Equity, Since 28 Feb 18 | ITC5% ₹1,403 Cr 43,764,614 NTPC Ltd (Utilities)
Equity, Since 30 Nov 16 | 5325554% ₹1,360 Cr 82,906,344 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 May 12 | LT4% ₹1,318 Cr 6,856,998 Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 31 Mar 22 | HDFC3% ₹1,042 Cr 4,258,730 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Aug 20 | BHARTIARTL3% ₹908 Cr 12,491,969
↑ 4,406,599
Conclusion
When making a long-term investment, investors are advised to take into account their risk appetite. Investors who wish to invest in equity funds should smartly allocate funds to their portfolio. However, there are no hard and fast rules, investors should see the level of risk they can take and then decide the funds to invest. Investors could thoroughly study these funds and invest according to their investment objectives by adding the Best diversified funds to their portfolio.
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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