મ્યુચ્યુઅલ ફંડ વિ FD (ફિક્સ્ડ ડિપોઝિટ)

Updated on April 17, 2026 , 14084 views

મ્યુચ્યુઅલ ફંડ વિFD? પૈસા બચાવવાનો વિચાર કરતી વખતે, મોટાભાગના લોકો જે કરવાનું વિચારે છે તે પ્રથમ વસ્તુ છેરોકાણ ફિક્સ્ડ ડિપોઝિટ (FDs) માં. તે સામાન્ય રીતે એટલા માટે છે કારણ કે તે સમજવામાં સરળ છે અને પેઢીઓથી કરવામાં આવે છે. પરંતુ શું તે સૌથી યોગ્ય રોકાણ છે? અને શું તે શ્રેષ્ઠ વળતર આપે છે? અથવા મ્યુચ્યુઅલ ફંડ રોકાણ હેતુને વધુ સારી રીતે પૂર્ણ કરી શકે છે? આ પ્રશ્નોના જવાબો જાણવા માટે, નીચે વાંચો!

FD અથવા ફિક્સ્ડ ડિપોઝિટ

ફિક્સ્ડ ડિપોઝિટ, જેને FD તરીકે પણ ઓળખવામાં આવે છે તે લોકપ્રિય છેબેંક લાંબા ગાળાના અને ટૂંકા ગાળાના રોકાણ માટે યોગ્ય રોકાણ વિકલ્પ. FD વળતર નિશ્ચિત છે કારણ કે FD વ્યાજ દર ભારત સરકાર દ્વારા પૂર્વ-નિર્ધારિત છે. ફિક્સ્ડ ડિપોઝિટ પર જે વ્યાજ દર નક્કી કરવામાં આવી રહ્યા છે, તેની કોઈ અસર નથીફુગાવો આ રોકાણો પર.

ઉપરાંત, FD વળતર રોકાણકારોના હાથમાં કરપાત્ર છે. જો કે, FD રોકાણ હેઠળ કર કપાત માટે જવાબદાર છેકલમ 80C નાઆવક વેરો એક્ટ.

મ્યુચ્યુઅલ ફંડ

મ્યુચ્યુઅલ ફંડ ત્રણ પ્રકારના હોય છે, ડેટ, ઇક્વિટી અને બેલેન્સ્ડમ્યુચ્યુઅલ ફંડ.ડેટ મ્યુચ્યુઅલ ફંડ જેઓ સરકારમાં મોટાભાગની સંપત્તિઓનું રોકાણ કરે છેબોન્ડ, કોર્પોરેટ બોન્ડ અને બાકીના ઇક્વિટી બજારોમાં. તેનાથી વિપરિત, ઇક્વિટી મ્યુચ્યુઅલ ફંડ્સ તેની સંપત્તિના 65% કરતાં વધુ ઇક્વિટી માર્કેટમાં અને બાકીનું સરકારી બોન્ડ, કોર્પોરેટ બોન્ડ અને સિક્યોરિટીઝમાં રોકાણ કરે છે. જ્યારે બેલેન્સ્ડ મ્યુચ્યુઅલ ફંડ્સ એવા છે જે આંશિક રીતે ડેટમાં અને આંશિક રીતે રોકાણ કરે છેઇક્વિટી ફંડ્સ. મ્યુચ્યુઅલ ફંડ એ ફુગાવાને હરાવવાનું સાધન છે, તેથી તે વધુ કર કાર્યક્ષમ છે અને લાંબા ગાળાના રોકાણ પર વધુ સારું વળતર આપે તેવી અપેક્ષા છે.

લાંબા ગાળાનું વધુ સારું રોકાણ કયું છે?

હવે જ્યારે આપણે જાણીએ છીએ કે મ્યુચ્યુઅલ ફંડ અને ફિક્સ્ડ ડિપોઝિટ (એફડી) બંને છેકર બચત રોકાણ, પ્રશ્ન એ ઊભો થાય છે કે - ક્યાં રોકાણ કરવું જોઈએ? જો કે તે એક વ્યક્તિલક્ષી પ્રશ્ન છે અને તેનો જવાબ વ્યક્તિ-વ્યક્તિએ અલગ-અલગ હોઈ શકે છે, નીચે વિવિધ પરિમાણોના આધારે ઉલ્લેખિત સરખામણી છે જે તમને વધુ સારી પસંદગી કરવામાં મદદ કરી શકે છે.

1. મ્યુચ્યુઅલ ફંડ રિટર્ન અને એફડી રિટર્ન

ફિક્સ્ડ ડિપોઝિટ પરનું વળતર પૂર્વ-નિર્દિષ્ટ છે અને સમગ્ર કાર્યકાળ દરમિયાન બદલાતું નથી. જ્યારે મ્યુચ્યુઅલ ફંડ, નાણાકીય સાથે જોડાયેલ છેબજાર, લાંબા ગાળાના રોકાણ પર વધુ સારું વળતર આપે છે.

2. FD વ્યાજ દરો અને મ્યુચ્યુઅલ ફંડ વળતર

FD પર વ્યાજ દર FD ના પ્રકાર અથવા FD ના સમયગાળાના આધારે નક્કી કરવામાં આવે છે, તેથી વ્યક્તિ ફિક્સ્ડ ડિપોઝિટ પર વધુ વ્યાજ દરની અપેક્ષા રાખી શકતી નથી. બીજી તરફ, મ્યુચ્યુઅલ ફંડ્સ પરનું વળતર અલગ-અલગ હોય છે કારણ કે વિવિધ પ્રકારના ફંડ્સ અસ્થિર વળતર આપે છે. જો બજાર ઊંચું જાય તો વળતર વધે છે અને ઊલટું.

3. જોખમી પરિબળો

ફિક્સ્ડ ડિપોઝિટમાં ભાગ્યે જ કોઈ જોખમ ઊભું થાય છે કારણ કે વળતર પૂર્વ-નિર્ધારિત હોય છે. ઉપરાંત, જો બેંકનો પર્દાફાશ થાય છે, તો તમામ બેંક ખાતાઓનો INR 1 લાખ સુધીનો વીમો લેવામાં આવે છે. બીજી બાજુ, મ્યુચ્યુઅલ ફંડ્સ વધુ જોખમ ધરાવે છે કારણ કે તેઓ નાણાકીય બજારમાં તેમની સંપત્તિનું રોકાણ કરે છે. ઇક્વિટી મ્યુચ્યુઅલ ફંડ્સ, તેની મોટાભાગની અસ્કયામતો ઇક્વિટી માર્કેટમાં રોકાણ કરે છે, તે ઘણું વધારે જોખમ ધરાવે છે. જ્યારે ડેટ મ્યુચ્યુઅલ ફંડમાં રોકાણ કરવું ઓછું જોખમી છે, કારણ કે આ ફંડ્સનો બહુ ઓછો હિસ્સો સ્ટોક માર્કેટમાં રોકાણ કરવામાં આવે છે.

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4. ફુગાવાની અસર

વ્યાજ દર પૂર્વ-નિર્ધારિત હોવાથી, ફિક્સ્ડ ડિપોઝિટ પર ફુગાવાની કોઈ અસર નથી. જ્યારે, મ્યુચ્યુઅલ ફંડ્સ માટે, વળતર ફુગાવા-વ્યવસ્થિત હોય છે જે વધુ સારું વળતર મેળવવાની તેની સંભાવનાને વધારે છે.

5. કેપિટલ ગેન્સ

ના છેપાટનગર FD ના કિસ્સામાં શક્ય લાભ. મ્યુચ્યુઅલ ફંડ માટે,મૂડી વધારો હોલ્ડિંગ સમયગાળા પર આધાર રાખે છે. વિવિધ મ્યુચ્યુઅલ ફંડ વિવિધ મૂડી લાભો ઓફર કરે છે.

6. પ્રવાહિતા

ફિક્સ્ડ ડિપોઝિટ છેઇલિક્વિડ, કારણ કે રોકાણ કરેલી રકમ ચોક્કસ સમય માટે લૉક કરવામાં આવે છે. જો તે સમયગાળા પહેલા પૈસા ઉપાડવામાં આવે તો, ચોક્કસ દંડ કાપવામાં આવે છે. જ્યારે મ્યુચ્યુઅલ ફંડ લિક્વિડ હોય છે કારણ કે તે ખૂબ જ કારણ વગર ટૂંકા ગાળામાં વેચી શકાય છેઅવમૂલ્યન ફંડ મૂલ્યમાં. જો કે, કેટલાક મ્યુચ્યુઅલ ફંડ્સ વેચવા પર લાગુ પડતા એક્ઝિટ લોડ પર નજર રાખવી મહત્વપૂર્ણ છે.

7. કરવેરા

ફિક્સ્ડ ડિપોઝિટ પરના વ્યાજ પર વ્યક્તિના ટેક્સ સ્લેબ મુજબ ટેક્સ લાગે છે. બીજી બાજુ,મ્યુચ્યુઅલ ફંડ કરવેરા મોટાભાગે હોલ્ડિંગ સમયગાળા પર આધાર રાખે છે. શોર્ટ ટર્મ કેપિટલ ગેઈન્સ (STCG) અને લોંગ ટર્મ કેપિટલ ગેઈન્સ (LTCG) બંને પર અલગ-અલગ કર લાદવામાં આવે છે.

8. ટેક્સ સેવિંગ એફડીની V/S ઇક્વિટી લિંક્ડ સેવિંગ સ્કીમ્સ (ELSS)

IT એક્ટની કલમ 80c હેઠળ ટેક્સ બચાવવાના હેતુ માટે FDની વિચારણા કરી રહેલા રોકાણકારો માટે. (5 વર્ષ લોકિન)ELSS મ્યુચ્યુઅલ ફંડ્સ સારો વિકલ્પ છે કારણ કે તેમાં 3 વર્ષનો લોક ઇન છે અને ઐતિહાસિક રીતે વધુ સારું વળતર ઓફર કરે છે.

વધુ સારી રોકાણ યોજના કઈ છે?

ચાલો સંક્ષિપ્તમાં જોઈએ:

પરિમાણ	મ્યુચ્યુઅલ ફંડ	ફિક્સ્ડ ડિપોઝિટ
વળતરનો દર	કોઈ ખાતરીપૂર્વકનું વળતર નહીં	સ્થિર વળતર
ફુગાવો સમાયોજિત વળતર	ઉચ્ચ ફુગાવો સમાયોજિત વળતર માટે સંભવિત	સામાન્ય રીતે ઓછો ફુગાવો સમાયોજિત વળતર
જોખમ	મધ્યમથી ઉચ્ચ જોખમ	ઓછું જોખમ
પ્રવાહિતા	પ્રવાહી	પ્રવાહી
અકાળ ઉપાડ	એક્ઝિટ લોડ/નો લોડ સાથે મંજૂરી	દંડ સાથે મંજૂરી
રોકાણની કિંમત	સંચાલન ખર્ચ/ખર્ચ ગુણોત્તર	કોઈ કિંમત નથી
કર સ્થિતિ	અનુકૂળ કર સ્થિતિ	ટેક્સ સ્લેબ મુજબ

2022 માં રોકાણ કરવા માટે શ્રેષ્ઠ મ્યુચ્યુઅલ ફંડ

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
SBI PSU Fund Growth	₹36.2641 ↑ 0.41	₹5,891	6.1	10.7	18.5	32.7	28.1	11.3
ICICI Prudential Infrastructure Fund Growth	₹200.32 ↑ 2.12	₹7,554	3.5	1.2	11.4	25	27.1	6.7
DSP World Gold Fund Growth	₹62.7845 ↓ -0.85	₹1,769	6.5	30.2	108.2	47.4	26.6	167.1
Invesco India PSU Equity Fund Growth	₹68.74 ↑ 0.78	₹1,335	2.4	6.2	16.8	30.5	26.5	10.3
Nippon India Power and Infra Fund Growth	₹369.92 ↑ 4.98	₹6,534	10.4	5.2	14.6	27.4	25.3	-0.5
DSP India T.I.G.E.R Fund Growth	₹339.045 ↑ 4.18	₹4,979	9.4	7.3	17.7	27.4	25.3	-2.5
HDFC Infrastructure Fund Growth	₹47.143 ↑ 0.47	₹2,132	1.1	-2.2	5.9	25.9	24.9	2.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Apr 26

Research Highlights & Commentary of 7 Funds showcased

Commentary	SBI PSU Fund	ICICI Prudential Infrastructure Fund	DSP World Gold Fund	Invesco India PSU Equity Fund	Nippon India Power and Infra Fund	DSP India T.I.G.E.R Fund	HDFC Infrastructure Fund
Point 1	Upper mid AUM (₹5,891 Cr).	Highest AUM (₹7,554 Cr).	Bottom quartile AUM (₹1,769 Cr).	Bottom quartile AUM (₹1,335 Cr).	Upper mid AUM (₹6,534 Cr).	Lower mid AUM (₹4,979 Cr).	Lower mid AUM (₹2,132 Cr).
Point 2	Established history (15+ yrs).	Established history (20+ yrs).	Established history (18+ yrs).	Established history (16+ yrs).	Oldest track record among peers (21 yrs).	Established history (21+ yrs).	Established history (18+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (lower mid).	Top rated.	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 28.14% (top quartile).	5Y return: 27.14% (upper mid).	5Y return: 26.64% (upper mid).	5Y return: 26.52% (lower mid).	5Y return: 25.34% (lower mid).	5Y return: 25.31% (bottom quartile).	5Y return: 24.91% (bottom quartile).
Point 6	3Y return: 32.67% (upper mid).	3Y return: 25.03% (bottom quartile).	3Y return: 47.40% (top quartile).	3Y return: 30.49% (upper mid).	3Y return: 27.36% (lower mid).	3Y return: 27.39% (lower mid).	3Y return: 25.92% (bottom quartile).
Point 7	1Y return: 18.46% (upper mid).	1Y return: 11.39% (bottom quartile).	1Y return: 108.17% (top quartile).	1Y return: 16.77% (lower mid).	1Y return: 14.60% (lower mid).	1Y return: 17.69% (upper mid).	1Y return: 5.87% (bottom quartile).
Point 8	Alpha: -1.15 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 1.04 (top quartile).	Alpha: -6.00 (bottom quartile).	Alpha: -0.88 (lower mid).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).
Point 9	Sharpe: 0.27 (upper mid).	Sharpe: -0.38 (bottom quartile).	Sharpe: 2.16 (top quartile).	Sharpe: 0.01 (upper mid).	Sharpe: -0.19 (lower mid).	Sharpe: -0.01 (lower mid).	Sharpe: -0.48 (bottom quartile).
Point 10	Information ratio: -0.31 (lower mid).	Information ratio: 0.00 (upper mid).	Information ratio: -0.83 (bottom quartile).	Information ratio: -0.79 (bottom quartile).	Information ratio: 0.38 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).

SBI PSU Fund

Upper mid AUM (₹5,891 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 28.14% (top quartile).
3Y return: 32.67% (upper mid).
1Y return: 18.46% (upper mid).
Alpha: -1.15 (bottom quartile).
Sharpe: 0.27 (upper mid).
Information ratio: -0.31 (lower mid).

ICICI Prudential Infrastructure Fund

Highest AUM (₹7,554 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 27.14% (upper mid).
3Y return: 25.03% (bottom quartile).
1Y return: 11.39% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.38 (bottom quartile).
Information ratio: 0.00 (upper mid).

DSP World Gold Fund

Bottom quartile AUM (₹1,769 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 26.64% (upper mid).
3Y return: 47.40% (top quartile).
1Y return: 108.17% (top quartile).
Alpha: 1.04 (top quartile).
Sharpe: 2.16 (top quartile).
Information ratio: -0.83 (bottom quartile).

Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,335 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 26.52% (lower mid).
3Y return: 30.49% (upper mid).
1Y return: 16.77% (lower mid).
Alpha: -6.00 (bottom quartile).
Sharpe: 0.01 (upper mid).
Information ratio: -0.79 (bottom quartile).

Nippon India Power and Infra Fund

Upper mid AUM (₹6,534 Cr).
Oldest track record among peers (21 yrs).
Top rated.
Risk profile: High.
5Y return: 25.34% (lower mid).
3Y return: 27.36% (lower mid).
1Y return: 14.60% (lower mid).
Alpha: -0.88 (lower mid).
Sharpe: -0.19 (lower mid).
Information ratio: 0.38 (top quartile).

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

Lower mid AUM (₹4,979 Cr).
Established history (21+ yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 25.31% (bottom quartile).
3Y return: 27.39% (lower mid).
1Y return: 17.69% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.01 (lower mid).
Information ratio: 0.00 (upper mid).

HDFC Infrastructure Fund

Lower mid AUM (₹2,132 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 24.91% (bottom quartile).
3Y return: 25.92% (bottom quartile).
1Y return: 5.87% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.48 (bottom quartile).
Information ratio: 0.00 (lower mid).

*નીચે 7 ની યાદી છેશ્રેષ્ઠ મ્યુચ્યુઅલ ફંડ કરતાં વધુ નેટ અસ્કયામતો/AUM ધરાવતો100 કરોડ. 5 વર્ષ પર સૉર્ટCAGR/વાર્ષિક પરત કરે છે.

1. SBI PSU Fund

The objective of the scheme would be to provide investors with opportunities for long-term growth in capital along with the liquidity of an open-ended scheme through an active management of investments in a diversified basket of equity stocks of domestic Public Sector Undertakings and in debt and money market instruments issued by PSUs AND others.

Research Highlights for SBI PSU Fund

Upper mid AUM (₹5,891 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 28.14% (top quartile).
3Y return: 32.67% (upper mid).
1Y return: 18.46% (upper mid).
Alpha: -1.15 (bottom quartile).
Sharpe: 0.27 (upper mid).
Information ratio: -0.31 (lower mid).
Higher exposure to Utility vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~16.5%).
Top-3 holdings concentration ~36.2%.

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (17 Apr 26)	₹36.2641 ↑ 0.41 (1.15 %)
Net Assets (Cr)	₹5,891 on 31 Mar 26
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0.27
Information Ratio	-0.31
Alpha Ratio	-1.15
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹12,520
31 Mar 23	₹14,284
31 Mar 24	₹26,707
31 Mar 25	₹28,297
31 Mar 26	₹30,937

SBI PSU Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹612,552.
Net Profit of ₹312,552 Invest Now

Returns for SBI PSU Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 26

Duration	Returns
1 Month	5.2%
3 Month	6.1%
6 Month	10.7%
1 Year	18.5%
3 Year	32.7%
5 Year	28.1%
10 Year
15 Year
Since launch	8.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	11.3%
2023	23.5%
2022	54%
2021	29%
2020	32.4%
2019	-10%
2018	6%
2017	-23.8%
2016	21.9%
2015	16.2%

Fund Manager information for SBI PSU Fund

Name	Since	Tenure
Rohit Shimpi	1 Jun 24	1.83 Yr.

Data below for SBI PSU Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Utility	31.55%
Financial Services	30.98%
Energy	12.91%
Industrials	12.8%
Basic Materials	6.89%

Asset Allocation

Asset Class	Value
Cash	4.8%
Equity	95.12%
Debt	0.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	17%	₹972 Cr	9,927,500
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| 532898	10%	₹590 Cr	19,935,554
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| 532555	10%	₹572 Cr	15,443,244
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	9%	₹536 Cr	13,385,000 ↓ -340,000
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| 532155	9%	₹525 Cr	38,150,000 ↑ 3,200,000
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 31 May 20 \| 500312	7%	₹386 Cr	13,555,000 ↑ 7,600,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| 532134	6%	₹324 Cr	13,100,000 ↑ 2,100,000
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| 500547	5%	₹273 Cr	9,700,000
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| 526371	4%	₹213 Cr	27,900,000
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| 532814	3%	₹205 Cr	2,427,235

2. ICICI Prudential Infrastructure Fund

To generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure development and balance in debt securities and money market instruments.

Research Highlights for ICICI Prudential Infrastructure Fund

Highest AUM (₹7,554 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 27.14% (upper mid).
3Y return: 25.03% (bottom quartile).
1Y return: 11.39% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.38 (bottom quartile).
Information ratio: 0.00 (upper mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding InterGlobe Aviation Ltd (~8.7%).

Below is the key information for ICICI Prudential Infrastructure Fund

ICICI Prudential Infrastructure Fund Growth
Launch Date	31 Aug 05
NAV (17 Apr 26)	₹200.32 ↑ 2.12 (1.07 %)
Net Assets (Cr)	₹7,554 on 31 Mar 26
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.38
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹13,553
31 Mar 23	₹16,550
31 Mar 24	₹27,030
31 Mar 25	₹29,212
31 Mar 26	₹28,800

ICICI Prudential Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181 Invest Now

Returns for ICICI Prudential Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 26

Duration	Returns
1 Month	9.3%
3 Month	3.5%
6 Month	1.2%
1 Year	11.4%
3 Year	25%
5 Year	27.1%
10 Year
15 Year
Since launch	15.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.7%
2023	27.4%
2022	44.6%
2021	28.8%
2020	50.1%
2019	3.6%
2018	2.6%
2017	-14%
2016	40.8%
2015	2%

Fund Manager information for ICICI Prudential Infrastructure Fund

Name	Since	Tenure
Ihab Dalwai	3 Jun 17	8.83 Yr.
Sharmila D’mello	30 Jun 22	3.76 Yr.

Data below for ICICI Prudential Infrastructure Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Industrials	47.14%
Financial Services	10.2%
Basic Materials	10.04%
Utility	9.84%
Real Estate	9.04%
Energy	6.55%
Consumer Cyclical	2.19%
Communication Services	0.09%

Asset Allocation

Asset Class	Value
Cash	4.96%
Equity	95.04%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
InterGlobe Aviation Ltd (Industrials) Equity, Since 28 Feb 23 \| INDIGO	9%	₹655 Cr	1,661,985 ↑ 270,536
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 09 \| LT	7%	₹528 Cr	1,505,704 ↑ 100,000
Oberoi Realty Ltd (Real Estate) Equity, Since 31 May 23 \| OBEROIRLTY	5%	₹374 Cr	2,636,802 ↑ 603,969
NTPC Ltd (Utilities) Equity, Since 29 Feb 16 \| 532555	5%	₹346 Cr	9,326,448
Shree Cement Ltd (Basic Materials) Equity, Since 30 Apr 24 \| 500387	3%	₹226 Cr	98,292 ↑ 33,738
Brigade Enterprises Ltd (Real Estate) Equity, Since 30 Nov 25 \| 532929	3%	₹219 Cr	3,363,877 ↑ 462,828
Container Corporation of India Ltd (Industrials) Equity, Since 31 Jan 16 \| CONCOR	3%	₹219 Cr	5,142,440 ↑ 2,109,364
Kalpataru Projects International Ltd (Industrials) Equity, Since 30 Sep 06 \| KPIL	3%	₹212 Cr	2,005,608 ↑ 73,641
AIA Engineering Ltd (Industrials) Equity, Since 28 Feb 21 \| AIAENG	3%	₹209 Cr	574,561
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 23 \| RELIANCE	3%	₹192 Cr	1,429,725 ↓ -100,000

3. DSP World Gold Fund

"The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized."

Research Highlights for DSP World Gold Fund

Bottom quartile AUM (₹1,769 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 26.64% (upper mid).
3Y return: 47.40% (top quartile).
1Y return: 108.17% (top quartile).
Alpha: 1.04 (top quartile).
Sharpe: 2.16 (top quartile).
Information ratio: -0.83 (bottom quartile).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding BGF World Gold I2 (~69.9%).
Top-3 holdings concentration ~101.6%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (16 Apr 26)	₹62.7845 ↓ -0.85 (-1.34 %)
Net Assets (Cr)	₹1,769 on 31 Mar 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	2.16
Information Ratio	-0.83
Alpha Ratio	1.04
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹11,138
31 Mar 23	₹10,487
31 Mar 24	₹10,232
31 Mar 25	₹15,284
31 Mar 26	₹33,879

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹584,107.
Net Profit of ₹284,107 Invest Now

Returns for DSP World Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 26

Duration	Returns
1 Month	5.7%
3 Month	6.5%
6 Month	30.2%
1 Year	108.2%
3 Year	47.4%
5 Year	26.6%
10 Year
15 Year
Since launch	10.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	167.1%
2023	15.9%
2022	7%
2021	-7.7%
2020	-9%
2019	31.4%
2018	35.1%
2017	-10.7%
2016	-4%
2015	52.7%

Fund Manager information for DSP World Gold Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	13.09 Yr.

Data below for DSP World Gold Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Basic Materials	94.27%

Asset Allocation

Asset Class	Value
Cash	3.92%
Equity	94.27%
Debt	0.01%
Other	1.8%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	70%	₹1,531 Cr	1,103,589 ↓ -74,069
VanEck Gold Miners ETF - \| GDX	28%	₹604 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	4%	₹90 Cr
Net Receivables/Payables Net Current Assets \| -	2%	-₹35 Cr

4. Invesco India PSU Equity Fund

To generate capital appreciation by investing in Equity and Equity Related Instruments of companies where the Central / State Government(s) has majority shareholding or management control or has powers to appoint majority of directors. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns.

Research Highlights for Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,335 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 26.52% (lower mid).
3Y return: 30.49% (upper mid).
1Y return: 16.77% (lower mid).
Alpha: -6.00 (bottom quartile).
Sharpe: 0.01 (upper mid).
Information ratio: -0.79 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding State Bank of India (~8.6%).

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund Growth
Launch Date	18 Nov 09
NAV (17 Apr 26)	₹68.74 ↑ 0.78 (1.15 %)
Net Assets (Cr)	₹1,335 on 31 Mar 26
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.14
Sharpe Ratio	0.01
Information Ratio	-0.79
Alpha Ratio	-6
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹12,277
31 Mar 23	₹13,931
31 Mar 24	₹25,544
31 Mar 25	₹26,724
31 Mar 26	₹27,849

Invesco India PSU Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹584,107.
Net Profit of ₹284,107 Invest Now

Returns for Invesco India PSU Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 26

Duration	Returns
1 Month	6.7%
3 Month	2.4%
6 Month	6.2%
1 Year	16.8%
3 Year	30.5%
5 Year	26.5%
10 Year
15 Year
Since launch	12.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	10.3%
2023	25.6%
2022	54.5%
2021	20.5%
2020	31.1%
2019	6.1%
2018	10.1%
2017	-16.9%
2016	24.3%
2015	17.9%

Fund Manager information for Invesco India PSU Equity Fund

Name	Since	Tenure
Hiten Jain	1 Jul 25	0.75 Yr.
Sagar Gandhi	1 Jul 25	0.75 Yr.

Data below for Invesco India PSU Equity Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Financial Services	30.35%
Industrials	28.06%
Utility	19.53%
Energy	13.58%
Basic Materials	3.6%
Consumer Cyclical	1.41%

Asset Allocation

Asset Class	Value
Cash	3.47%
Equity	96.53%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	9%	₹115 Cr	1,171,232
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| 532814	7%	₹98 Cr	1,157,444
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| HAL	7%	₹91 Cr	261,137
Bharat Petroleum Corp Ltd (Energy) Equity, Since 30 Sep 18 \| 500547	6%	₹86 Cr	3,076,024 ↑ 359,015
Bharat Electronics Ltd (Industrials) Equity, Since 31 Mar 17 \| BEL	6%	₹83 Cr	2,078,629 ↓ -237,890
NTPC Ltd (Utilities) Equity, Since 31 May 19 \| 532555	5%	₹67 Cr	1,801,543
Bank of Baroda (Financial Services) Equity, Since 30 Jun 21 \| 532134	5%	₹65 Cr	2,611,219 ↑ 133,663
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	5%	₹63 Cr	6,852,914 ↓ -2,276,906
REC Ltd (Financial Services) Equity, Since 31 Aug 23 \| 532955	4%	₹52 Cr	1,703,577
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 31 Aug 24 \| 500312	4%	₹52 Cr	1,821,612

5. Nippon India Power and Infra Fund

(Erstwhile Reliance Diversified Power Sector Fund)

The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies in the power sector.

Research Highlights for Nippon India Power and Infra Fund

Upper mid AUM (₹6,534 Cr).
Oldest track record among peers (21 yrs).
Top rated.
Risk profile: High.
5Y return: 25.34% (lower mid).
3Y return: 27.36% (lower mid).
1Y return: 14.60% (lower mid).
Alpha: -0.88 (lower mid).
Sharpe: -0.19 (lower mid).
Information ratio: 0.38 (top quartile).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Reliance Industries Ltd (~9.6%).

Below is the key information for Nippon India Power and Infra Fund

Nippon India Power and Infra Fund Growth
Launch Date	8 May 04
NAV (17 Apr 26)	₹369.92 ↑ 4.98 (1.36 %)
Net Assets (Cr)	₹6,534 on 31 Mar 26
Category	Equity - Sectoral
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.85
Sharpe Ratio	-0.19
Information Ratio	0.38
Alpha Ratio	-0.88
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹12,490
31 Mar 23	₹14,486
31 Mar 24	₹25,615
31 Mar 25	₹26,322
31 Mar 26	₹26,803

Nippon India Power and Infra Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 Invest Now

Returns for Nippon India Power and Infra Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 26

Duration	Returns
1 Month	9.3%
3 Month	10.4%
6 Month	5.2%
1 Year	14.6%
3 Year	27.4%
5 Year	25.3%
10 Year
15 Year
Since launch	17.9%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Nippon India Power and Infra Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	7.86 Yr.
Rahul Modi	19 Aug 24	1.62 Yr.
Amber Singhania	11 Mar 26	0.06 Yr.

Data below for Nippon India Power and Infra Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Industrials	33.96%
Utility	23.84%
Energy	10.82%
Consumer Cyclical	10.6%
Basic Materials	6.71%
Technology	4.26%
Financial Services	2.97%
Communication Services	2.32%
Health Care	2.26%
Real Estate	1.63%

Asset Allocation

Asset Class	Value
Cash	0.62%
Equity	99.38%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 18 \| RELIANCE	10%	₹626 Cr	4,660,000
NTPC Ltd (Utilities) Equity, Since 31 May 09 \| 532555	8%	₹511 Cr	13,800,000 ↓ -1,700,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 07 \| LT	6%	₹408 Cr	1,164,337 ↑ 175,000
Tata Power Co Ltd (Utilities) Equity, Since 30 Apr 23 \| 500400	4%	₹288 Cr	7,600,789 ↓ -300,000
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	3%	₹226 Cr	24,491,079 ↑ 1,920,000
CG Power & Industrial Solutions Ltd (Industrials) Equity, Since 30 Sep 24 \| 500093	3%	₹178 Cr	2,720,014
Bharat Heavy Electricals Ltd (Industrials) Equity, Since 30 Sep 24 \| 500103	3%	₹168 Cr	6,848,468 ↓ -51,532
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Oct 19 \| 532538	2%	₹161 Cr	150,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 18 \| BHARTIARTL	2%	₹152 Cr	850,000 ↑ 70,000
NLC India Ltd (Utilities) Equity, Since 31 Aug 24 \| 513683	2%	₹149 Cr	5,531,878

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

To generate capital appreciation, from a portfolio that is substantially constituted of equity securities and equity related securities of corporates, which could benefit from structural changes brought about by continuing liberalization in economic policies by the government and/or continuing investments in infrastructure, both by the public and private sector.

Research Highlights for DSP India T.I.G.E.R Fund

Lower mid AUM (₹4,979 Cr).
Established history (21+ yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 25.31% (bottom quartile).
3Y return: 27.39% (lower mid).
1Y return: 17.69% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.01 (lower mid).
Information ratio: 0.00 (upper mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding NTPC Ltd (~5.3%).

Below is the key information for DSP India T.I.G.E.R Fund

DSP India T.I.G.E.R Fund Growth
Launch Date	11 Jun 04
NAV (17 Apr 26)	₹339.045 ↑ 4.18 (1.25 %)
Net Assets (Cr)	₹4,979 on 31 Mar 26
Category	Equity - Sectoral
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.01
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹12,881
31 Mar 23	₹14,524
31 Mar 24	₹23,943
31 Mar 25	₹25,743
31 Mar 26	₹26,892

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

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 Invest Now

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

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 26

Duration	Returns
1 Month	9.7%
3 Month	9.4%
6 Month	7.3%
1 Year	17.7%
3 Year	27.4%
5 Year	25.3%
10 Year
15 Year
Since launch	17.5%

Historical performance (Yearly) on absolute basis

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

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

Name	Since	Tenure
Rohit Singhania	21 Jun 10	15.79 Yr.

Data below for DSP India T.I.G.E.R Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Industrials	27.68%
Basic Materials	13.33%
Financial Services	13%
Utility	11.64%
Consumer Cyclical	8.63%
Energy	7.37%
Health Care	6.56%
Communication Services	3.04%
Real Estate	1.51%
Technology	1.43%
Consumer Defensive	0.96%

Asset Allocation

Asset Class	Value
Cash	4.85%
Equity	95.15%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
NTPC Ltd (Utilities) Equity, Since 30 Nov 17 \| 532555	5%	₹262 Cr	7,063,207
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 31 Dec 24 \| APOLLOHOSP	4%	₹224 Cr	301,630
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 04 \| LT	4%	₹206 Cr	588,665 ↓ -89,980
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 31 May 25 \| MCX	3%	₹163 Cr	680,825
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 18 \| BHARTIARTL	3%	₹151 Cr	849,969 ↑ 37,224
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Dec 24 \| AMBER	3%	₹144 Cr	219,234
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jan 25 \| 532898	3%	₹139 Cr	4,694,365 ↓ -873,209
Coal India Ltd (Energy) Equity, Since 31 Dec 23 \| COALINDIA	2%	₹122 Cr	2,705,180
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 31 Mar 24 \| 500312	2%	₹119 Cr	4,196,344
Kirloskar Oil Engines Ltd (Industrials) Equity, Since 31 Mar 23 \| KIRLOSENG	2%	₹111 Cr	834,973 ↓ -195,952

7. HDFC Infrastructure Fund

To seek long-term capital appreciation by investing predominantly in equity and equity related securities of companies engaged in or expected to benefit from growth and development of infrastructure.

Research Highlights for HDFC Infrastructure Fund

Lower mid AUM (₹2,132 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 24.91% (bottom quartile).
3Y return: 25.92% (bottom quartile).
1Y return: 5.87% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.48 (bottom quartile).
Information ratio: 0.00 (lower mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding Larsen & Toubro Ltd (~7.1%).

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund Growth
Launch Date	10 Mar 08
NAV (17 Apr 26)	₹47.143 ↑ 0.47 (1.01 %)
Net Assets (Cr)	₹2,132 on 31 Mar 26
Category	Equity - Sectoral
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	2.06
Sharpe Ratio	-0.48
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹12,519
31 Mar 23	₹14,565
31 Mar 24	₹26,127
31 Mar 25	₹27,396
31 Mar 26	₹26,533

HDFC Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 Invest Now

Returns for HDFC Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 26

Duration	Returns
1 Month	7.2%
3 Month	1.1%
6 Month	-2.2%
1 Year	5.9%
3 Year	25.9%
5 Year	24.9%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2024	2.2%
2023	23%
2022	55.4%
2021	19.3%
2020	43.2%
2019	-7.5%
2018	-3.4%
2017	-29%
2016	43.3%
2015	-1.9%

Fund Manager information for HDFC Infrastructure Fund

Name	Since	Tenure
Dhruv Muchhal	22 Jun 23	2.78 Yr.
Ashish Shah	1 Nov 25	0.41 Yr.

Data below for HDFC Infrastructure Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Industrials	40.41%
Financial Services	21.13%
Basic Materials	9.71%
Utility	8.12%
Energy	7.29%
Communication Services	4.13%
Real Estate	3.07%
Health Care	2.03%
Technology	1.29%
Consumer Cyclical	0.75%

Asset Allocation

Asset Class	Value
Cash	2.06%
Equity	97.94%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 12 \| LT	7%	₹173 Cr	403,500
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	6%	₹152 Cr	1,100,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Aug 23 \| HDFCBANK	5%	₹124 Cr	1,400,000
Kalpataru Projects International Ltd (Industrials) Equity, Since 31 Jan 23 \| KPIL	4%	₹97 Cr	778,285 ↑ 20,000
State Bank of India (Financial Services) Equity, Since 31 Mar 08 \| SBIN	4%	₹85 Cr	704,361
NTPC Ltd (Utilities) Equity, Since 31 Dec 17 \| NTPC	3%	₹84 Cr	2,200,000
J Kumar Infraprojects Ltd (Industrials) Equity, Since 31 Oct 15 \| JKIL	3%	₹74 Cr	1,400,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Dec 21 \| INDIGO	3%	₹72 Cr	150,000
Reliance Industries Ltd (Energy) Equity, Since 31 May 24 \| RELIANCE	3%	₹70 Cr	500,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 24 \| AXISBANK	3%	₹69 Cr	500,000

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Disclaimer:
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