મ્યુચ્યુઅલ ફંડ વિ FD (ફિક્સ્ડ ડિપોઝિટ)

Updated on January 6, 2026 , 13866 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 (%)
ICICI Prudential Infrastructure Fund Growth	₹195.89 ↓ -2.81	₹8,160	0.2	-1.9	6.8	24.8	28.9	6.7
SBI PSU Fund Growth	₹33.7437 ↓ -0.75	₹5,763	4	3.6	11.5	28.2	28	11.3
Motilal Oswal Midcap 30 Fund Growth	₹98.9549 ↓ -0.99	₹38,003	-3.8	-4	-9.3	25.6	26.5	-12.1
Invesco India PSU Equity Fund Growth	₹66.08 ↓ -1.13	₹1,445	3.4	0	12.3	28.9	26.4	10.3
HDFC Infrastructure Fund Growth	₹47.26 ↓ -0.65	₹2,514	-1	-2.2	3.6	25.2	26.3	2.2
DSP India T.I.G.E.R Fund Growth	₹313.448 ↓ -5.27	₹5,419	0.2	-2.1	-0.7	24	25.7	-2.5
Nippon India Small Cap Fund Growth	₹164.094 ↓ -2.90	₹68,572	-2.2	-5	-4.5	21	25.6	-4.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Jan 26

Research Highlights & Commentary of 7 Funds showcased

Commentary	ICICI Prudential Infrastructure Fund	SBI PSU Fund	Motilal Oswal Midcap 30 Fund	Invesco India PSU Equity Fund	HDFC Infrastructure Fund	DSP India T.I.G.E.R Fund	Nippon India Small Cap Fund
Point 1	Upper mid AUM (₹8,160 Cr).	Lower mid AUM (₹5,763 Cr).	Upper mid AUM (₹38,003 Cr).	Bottom quartile AUM (₹1,445 Cr).	Bottom quartile AUM (₹2,514 Cr).	Lower mid AUM (₹5,419 Cr).	Highest AUM (₹68,572 Cr).
Point 2	Established history (20+ yrs).	Established history (15+ yrs).	Established history (11+ yrs).	Established history (16+ yrs).	Established history (17+ yrs).	Oldest track record among peers (21 yrs).	Established history (15+ yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Top rated.	Rating: 4★ (upper mid).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.
Point 5	5Y return: 28.88% (top quartile).	5Y return: 28.04% (upper mid).	5Y return: 26.49% (upper mid).	5Y return: 26.41% (lower mid).	5Y return: 26.26% (lower mid).	5Y return: 25.66% (bottom quartile).	5Y return: 25.63% (bottom quartile).
Point 6	3Y return: 24.80% (lower mid).	3Y return: 28.25% (upper mid).	3Y return: 25.64% (upper mid).	3Y return: 28.86% (top quartile).	3Y return: 25.24% (lower mid).	3Y return: 23.98% (bottom quartile).	3Y return: 21.04% (bottom quartile).
Point 7	1Y return: 6.76% (upper mid).	1Y return: 11.46% (upper mid).	1Y return: -9.31% (bottom quartile).	1Y return: 12.29% (top quartile).	1Y return: 3.63% (lower mid).	1Y return: -0.73% (lower mid).	1Y return: -4.49% (bottom quartile).
Point 8	Alpha: 0.00 (top quartile).	Alpha: -0.83 (lower mid).	Alpha: -11.47 (bottom quartile).	Alpha: -0.45 (lower mid).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (upper mid).	Alpha: -1.19 (bottom quartile).
Point 9	Sharpe: 0.00 (upper mid).	Sharpe: 0.03 (upper mid).	Sharpe: -0.40 (bottom quartile).	Sharpe: 0.06 (top quartile).	Sharpe: -0.15 (lower mid).	Sharpe: -0.39 (lower mid).	Sharpe: -0.40 (bottom quartile).
Point 10	Information ratio: 0.00 (upper mid).	Information ratio: -0.53 (bottom quartile).	Information ratio: 0.21 (top quartile).	Information ratio: -0.49 (bottom quartile).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.05 (upper mid).

ICICI Prudential Infrastructure Fund

Upper mid AUM (₹8,160 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 28.88% (top quartile).
3Y return: 24.80% (lower mid).
1Y return: 6.76% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 0.00 (upper mid).
Information ratio: 0.00 (upper mid).

SBI PSU Fund

Lower mid AUM (₹5,763 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 28.04% (upper mid).
3Y return: 28.25% (upper mid).
1Y return: 11.46% (upper mid).
Alpha: -0.83 (lower mid).
Sharpe: 0.03 (upper mid).
Information ratio: -0.53 (bottom quartile).

Motilal Oswal Midcap 30 Fund

Upper mid AUM (₹38,003 Cr).
Established history (11+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 26.49% (upper mid).
3Y return: 25.64% (upper mid).
1Y return: -9.31% (bottom quartile).
Alpha: -11.47 (bottom quartile).
Sharpe: -0.40 (bottom quartile).
Information ratio: 0.21 (top quartile).

Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,445 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 26.41% (lower mid).
3Y return: 28.86% (top quartile).
1Y return: 12.29% (top quartile).
Alpha: -0.45 (lower mid).
Sharpe: 0.06 (top quartile).
Information ratio: -0.49 (bottom quartile).

HDFC Infrastructure Fund

Bottom quartile AUM (₹2,514 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 26.26% (lower mid).
3Y return: 25.24% (lower mid).
1Y return: 3.63% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.15 (lower mid).
Information ratio: 0.00 (lower mid).

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

Lower mid AUM (₹5,419 Cr).
Oldest track record among peers (21 yrs).
Top rated.
Risk profile: High.
5Y return: 25.66% (bottom quartile).
3Y return: 23.98% (bottom quartile).
1Y return: -0.73% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.39 (lower mid).
Information ratio: 0.00 (lower mid).

Nippon India Small Cap Fund

Highest AUM (₹68,572 Cr).
Established history (15+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 25.63% (bottom quartile).
3Y return: 21.04% (bottom quartile).
1Y return: -4.49% (bottom quartile).
Alpha: -1.19 (bottom quartile).
Sharpe: -0.40 (bottom quartile).
Information ratio: 0.05 (upper mid).

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

1. ICICI Prudential Infrastructure Fund

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

Research Highlights for ICICI Prudential Infrastructure Fund

Upper mid AUM (₹8,160 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 28.88% (top quartile).
3Y return: 24.80% (lower mid).
1Y return: 6.76% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 0.00 (upper mid).
Information ratio: 0.00 (upper mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding Larsen & Toubro Ltd (~8.8%).

Below is the key information for ICICI Prudential Infrastructure Fund

ICICI Prudential Infrastructure Fund Growth
Launch Date	31 Aug 05
NAV (08 Jan 26)	₹195.89 ↓ -2.81 (-1.41 %)
Net Assets (Cr)	₹8,160 on 30 Nov 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
31 Dec 20	₹10,000
31 Dec 21	₹15,007
31 Dec 22	₹19,333
31 Dec 23	₹27,952
31 Dec 24	₹35,602
31 Dec 25	₹38,004

ICICI Prudential Infrastructure 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 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 8 Jan 26

Duration	Returns
1 Month	1.7%
3 Month	0.2%
6 Month	-1.9%
1 Year	6.8%
3 Year	24.8%
5 Year	28.9%
10 Year
15 Year
Since launch	15.7%

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	8.5 Yr.
Sharmila D’mello	30 Jun 22	3.42 Yr.

Data below for ICICI Prudential Infrastructure Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Industrials	40.39%
Financial Services	14.64%
Basic Materials	12.34%
Utility	10.24%
Energy	9.18%
Real Estate	3.73%
Consumer Cyclical	2.03%
Communication Services	1.47%

Asset Allocation

Asset Class	Value
Cash	5.66%
Equity	94.34%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 09 \| LT	9%	₹715 Cr	1,755,704 ↓ -87,500
NTPC Ltd (Utilities) Equity, Since 29 Feb 16 \| NTPC	4%	₹358 Cr	10,976,448
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 May 24 \| ADANIPORTS	3%	₹281 Cr	1,854,934
AIA Engineering Ltd (Industrials) Equity, Since 28 Feb 21 \| AIAENG	3%	₹259 Cr	669,751 ↓ -32,202
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 23 \| RELIANCE	3%	₹240 Cr	1,529,725 ↓ -250,000
Vedanta Ltd (Basic Materials) Equity, Since 31 Jul 24 \| VEDL	3%	₹231 Cr	4,400,100 ↓ -299,900
NCC Ltd (Industrials) Equity, Since 31 Aug 21 \| NCC	3%	₹224 Cr	13,053,905
Kalpataru Projects International Ltd (Industrials) Equity, Since 30 Sep 06 \| 522287	3%	₹216 Cr	1,803,566
Axis Bank Ltd (Financial Services) Equity, Since 31 Dec 20 \| AXISBANK	3%	₹215 Cr	1,683,557 ↓ -312,500
IndusInd Bank Ltd (Financial Services) Equity, Since 31 Oct 24 \| INDUSINDBK	3%	₹208 Cr	2,424,016

2. 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

Lower mid AUM (₹5,763 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 28.04% (upper mid).
3Y return: 28.25% (upper mid).
1Y return: 11.46% (upper mid).
Alpha: -0.83 (lower mid).
Sharpe: 0.03 (upper mid).
Information ratio: -0.53 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~16.9%).

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (08 Jan 26)	₹33.7437 ↓ -0.75 (-2.17 %)
Net Assets (Cr)	₹5,763 on 30 Nov 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0.03
Information Ratio	-0.53
Alpha Ratio	-0.83
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 Dec 20	₹10,000
31 Dec 21	₹13,241
31 Dec 22	₹17,083
31 Dec 23	₹26,314
31 Dec 24	₹32,485
31 Dec 25	₹36,147

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 8 Jan 26

Duration	Returns
1 Month	3.4%
3 Month	4%
6 Month	3.6%
1 Year	11.5%
3 Year	28.2%
5 Year	28%
10 Year
15 Year
Since launch	8.2%

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	1.5 Yr.

Data below for SBI PSU Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	36.69%
Utility	27.73%
Energy	13.4%
Industrials	12.38%
Basic Materials	5.83%

Asset Allocation

Asset Class	Value
Cash	3.88%
Equity	96.04%
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
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	9%	₹534 Cr	12,975,000
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| NTPC	8%	₹475 Cr	14,543,244
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| GAIL	8%	₹453 Cr	25,750,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| POWERGRID	8%	₹446 Cr	16,535,554
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| BPCL	6%	₹348 Cr	9,700,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| BANKBARODA	6%	₹319 Cr	11,000,000
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| INDIANB	4%	₹211 Cr	2,427,235
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| NMDC	4%	₹206 Cr	27,900,000
General Insurance Corp of India (Financial Services) Equity, Since 31 May 24 \| GICRE	3%	₹161 Cr	4,150,000

3. Motilal Oswal Midcap 30 Fund

(Erstwhile Motilal Oswal MOSt Focused Midcap 30 Fund)

The investment objective of the Scheme is to achieve long term capital appreciation by investing in a maximum of 30 quality mid-cap companies having long-term competitive advantages and potential for growth. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved.

Research Highlights for Motilal Oswal Midcap 30 Fund

Upper mid AUM (₹38,003 Cr).
Established history (11+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 26.49% (upper mid).
3Y return: 25.64% (upper mid).
1Y return: -9.31% (bottom quartile).
Alpha: -11.47 (bottom quartile).
Sharpe: -0.40 (bottom quartile).
Information ratio: 0.21 (top quartile).
Higher exposure to Technology vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~92%).
Largest holding Persistent Systems Ltd (~10.0%).

Below is the key information for Motilal Oswal Midcap 30 Fund

Motilal Oswal Midcap 30 Fund Growth
Launch Date	24 Feb 14
NAV (08 Jan 26)	₹98.9549 ↓ -0.99 (-0.99 %)
Net Assets (Cr)	₹38,003 on 30 Nov 25
Category	Equity - Mid Cap
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.56
Sharpe Ratio	-0.4
Information Ratio	0.21
Alpha Ratio	-11.47
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 Dec 20	₹10,000
31 Dec 21	₹15,583
31 Dec 22	₹17,252
31 Dec 23	₹24,442
31 Dec 24	₹38,406
31 Dec 25	₹33,746

Motilal Oswal Midcap 30 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 Motilal Oswal Midcap 30 Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Jan 26

Duration	Returns
1 Month	-1.5%
3 Month	-3.8%
6 Month	-4%
1 Year	-9.3%
3 Year	25.6%
5 Year	26.5%
10 Year
15 Year
Since launch	21.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-12.1%
2023	57.1%
2022	41.7%
2021	10.7%
2020	55.8%
2019	9.3%
2018	9.7%
2017	-12.7%
2016	30.8%
2015	5.2%

Fund Manager information for Motilal Oswal Midcap 30 Fund

Name	Since	Tenure
Ajay Khandelwal	1 Oct 24	1.17 Yr.
Niket Shah	1 Jul 20	5.42 Yr.
Rakesh Shetty	22 Nov 22	3.03 Yr.
Sunil Sawant	1 Jul 24	1.42 Yr.

Data below for Motilal Oswal Midcap 30 Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Technology	37.64%
Consumer Cyclical	18.46%
Industrials	11.9%
Financial Services	11.71%
Communication Services	8.74%
Real Estate	2.43%
Health Care	1.61%

Asset Allocation

Asset Class	Value
Cash	7.92%
Equity	92.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Persistent Systems Ltd (Technology) Equity, Since 31 Jan 23 \| PERSISTENT	10%	₹3,812 Cr	6,000,000
Coforge Ltd (Technology) Equity, Since 31 Mar 23 \| COFORGE	10%	₹3,770 Cr	19,750,000 ↑ 99,301
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Aug 25 \| 543320	9%	₹3,301 Cr	110,001,000 ↑ 10,001,000
Dixon Technologies (India) Ltd (Technology) Equity, Since 31 Mar 23 \| DIXON	8%	₹3,066 Cr	2,100,000
Kalyan Jewellers India Ltd (Consumer Cyclical) Equity, Since 29 Feb 24 \| KALYANKJIL	8%	₹3,034 Cr	60,043,240 ↑ 43,240
One97 Communications Ltd (Technology) Equity, Since 30 Sep 24 \| 543396	8%	₹2,969 Cr	22,479,961 ↓ -2,520,039
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 25 \| BHARTIARTL	5%	₹1,997 Cr	9,500,000 ↑ 9,500,000
Polycab India Ltd (Industrials) Equity, Since 30 Sep 23 \| POLYCAB	5%	₹1,889 Cr	2,528,264 ↓ -145,406
Aditya Birla Capital Ltd (Financial Services) Equity, Since 30 Jun 25 \| ABCAPITAL	4%	₹1,701 Cr	47,500,000 ↑ 7,482,572
KEI Industries Ltd (Industrials) Equity, Since 30 Nov 24 \| KEI	4%	₹1,658 Cr	4,000,000

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 (₹1,445 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 26.41% (lower mid).
3Y return: 28.86% (top quartile).
1Y return: 12.29% (top quartile).
Alpha: -0.45 (lower mid).
Sharpe: 0.06 (top quartile).
Information ratio: -0.49 (bottom quartile).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding State Bank of India (~9.7%).

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund Growth
Launch Date	18 Nov 09
NAV (08 Jan 26)	₹66.08 ↓ -1.13 (-1.68 %)
Net Assets (Cr)	₹1,445 on 30 Nov 25
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.14
Sharpe Ratio	0.06
Information Ratio	-0.49
Alpha Ratio	-0.45
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 Dec 20	₹10,000
31 Dec 21	₹13,105
31 Dec 22	₹15,797
31 Dec 23	₹24,402
31 Dec 24	₹30,659
31 Dec 25	₹33,810

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 8 Jan 26

Duration	Returns
1 Month	3.9%
3 Month	3.4%
6 Month	0%
1 Year	12.3%
3 Year	28.9%
5 Year	26.4%
10 Year
15 Year
Since launch	12.4%

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	0.42 Yr.
Sagar Gandhi	1 Jul 25	0.42 Yr.

Data below for Invesco India PSU Equity Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Industrials	31.46%
Financial Services	29.47%
Utility	20.02%
Energy	13.28%
Basic Materials	2.92%

Asset Allocation

Asset Class	Value
Cash	2.85%
Equity	97.15%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	10%	₹140 Cr	1,426,314
Bharat Electronics Ltd (Industrials) Equity, Since 31 Mar 17 \| BEL	9%	₹123 Cr	2,997,692
Bharat Petroleum Corp Ltd (Energy) Equity, Since 30 Sep 18 \| BPCL	7%	₹104 Cr	2,901,565
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| INDIANB	7%	₹94 Cr	1,080,618
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| HAL	6%	₹89 Cr	196,158
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	6%	₹83 Cr	8,790,786
NTPC Ltd (Utilities) Equity, Since 31 May 19 \| NTPC	5%	₹66 Cr	2,024,963
Bharat Dynamics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| BDL	4%	₹64 Cr	424,045
Bank of Baroda (Financial Services) Equity, Since 30 Jun 21 \| BANKBARODA	4%	₹61 Cr	2,116,392
Dredging Corp of India Ltd (Industrials) Equity, Since 31 Jul 25 \| DREDGECORP	4%	₹55 Cr	646,300 ↑ 174,490

5. 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

Bottom quartile AUM (₹2,514 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 26.26% (lower mid).
3Y return: 25.24% (lower mid).
1Y return: 3.63% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.15 (lower mid).
Information ratio: 0.00 (lower mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding Larsen & Toubro Ltd (~6.2%).

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund Growth
Launch Date	10 Mar 08
NAV (08 Jan 26)	₹47.26 ↓ -0.65 (-1.36 %)
Net Assets (Cr)	₹2,514 on 30 Nov 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
31 Dec 20	₹10,000
31 Dec 21	₹14,317
31 Dec 22	₹17,080
31 Dec 23	₹26,545
31 Dec 24	₹32,658
31 Dec 25	₹33,376

HDFC Infrastructure 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 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 8 Jan 26

Duration	Returns
1 Month	1.4%
3 Month	-1%
6 Month	-2.2%
1 Year	3.6%
3 Year	25.2%
5 Year	26.3%
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	2.45 Yr.
Ashish Shah	1 Nov 25	0.08 Yr.

Data below for HDFC Infrastructure Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Industrials	39.35%
Financial Services	20.43%
Basic Materials	10.2%
Energy	6.93%
Utility	6.76%
Communication Services	4.12%
Real Estate	2.48%
Health Care	1.75%
Technology	1.41%
Consumer Cyclical	0.66%

Asset Allocation

Asset Class	Value
Cash	5.91%
Equity	94.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 12 \| LT	6%	₹155 Cr	380,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	6%	₹153 Cr	1,100,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Aug 23 \| HDFCBANK	6%	₹141 Cr	1,400,000
Kalpataru Projects International Ltd (Industrials) Equity, Since 31 Jan 23 \| 522287	4%	₹91 Cr	758,285
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Dec 21 \| INDIGO	4%	₹89 Cr	150,000
J Kumar Infraprojects Ltd (Industrials) Equity, Since 31 Oct 15 \| JKIL	3%	₹82 Cr	1,400,000
Reliance Industries Ltd (Energy) Equity, Since 31 May 24 \| RELIANCE	3%	₹78 Cr	500,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 20 \| BHARTIARTL	3%	₹74 Cr	350,000
NTPC Ltd (Utilities) Equity, Since 31 Dec 17 \| NTPC	3%	₹72 Cr	2,200,000
State Bank of India (Financial Services) Equity, Since 31 Mar 08 \| SBIN	3%	₹69 Cr	704,361

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 (₹5,419 Cr).
Oldest track record among peers (21 yrs).
Top rated.
Risk profile: High.
5Y return: 25.66% (bottom quartile).
3Y return: 23.98% (bottom quartile).
1Y return: -0.73% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.39 (lower mid).
Information ratio: 0.00 (lower mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Larsen & Toubro Ltd (~5.2%).

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 (08 Jan 26)	₹313.448 ↓ -5.27 (-1.65 %)
Net Assets (Cr)	₹5,419 on 30 Nov 25
Category	Equity - Sectoral
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.39
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 Dec 20	₹10,000
31 Dec 21	₹15,158
31 Dec 22	₹17,260
31 Dec 23	₹25,716
31 Dec 24	₹34,043
31 Dec 25	₹33,175

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 8 Jan 26

Duration	Returns
1 Month	2.3%
3 Month	0.2%
6 Month	-2.1%
1 Year	-0.7%
3 Year	24%
5 Year	25.7%
10 Year
15 Year
Since launch	17.3%

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	15.46 Yr.

Data below for DSP India T.I.G.E.R Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Industrials	31.28%
Basic Materials	14.28%
Financial Services	11%
Utility	10.18%
Consumer Cyclical	8.97%
Energy	7.34%
Health Care	5.54%
Communication Services	3.04%
Technology	1.8%
Real Estate	1.6%
Consumer Defensive	1.22%

Asset Allocation

Asset Class	Value
Cash	3.74%
Equity	96.26%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 04 \| LT	5%	₹284 Cr	697,669
NTPC Ltd (Utilities) Equity, Since 30 Nov 17 \| NTPC	4%	₹233 Cr	7,145,883
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 31 Dec 24 \| APOLLOHOSP	3%	₹180 Cr	245,928
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 18 \| BHARTIARTL	3%	₹159 Cr	756,154
Kirloskar Oil Engines Ltd (Industrials) Equity, Since 31 Mar 23 \| KIRLOSENG	3%	₹159 Cr	1,412,412
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jan 25 \| POWERGRID	3%	₹150 Cr	5,567,574
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Dec 24 \| AMBER	3%	₹142 Cr	197,265
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 Oct 25 \| HAL	3%	₹139 Cr	305,098 ↑ 112,311
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 31 May 25 \| MCX	3%	₹137 Cr	136,165
Coal India Ltd (Energy) Equity, Since 31 Dec 23 \| COALINDIA	2%	₹125 Cr	3,321,453

7. Nippon India Small Cap Fund

The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related instruments of small cap companies and the secondary objective is to generate consistent returns by investing in debt and money market securities.

Research Highlights for Nippon India Small Cap Fund

Highest AUM (₹68,572 Cr).
Established history (15+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 25.63% (bottom quartile).
3Y return: 21.04% (bottom quartile).
1Y return: -4.49% (bottom quartile).
Alpha: -1.19 (bottom quartile).
Sharpe: -0.40 (bottom quartile).
Information ratio: 0.05 (upper mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Multi Commodity Exchange of India Ltd (~2.7%).

Below is the key information for Nippon India Small Cap Fund

Nippon India Small Cap Fund Growth
Launch Date	16 Sep 10
NAV (08 Jan 26)	₹164.094 ↓ -2.90 (-1.74 %)
Net Assets (Cr)	₹68,572 on 30 Nov 25
Category	Equity - Small Cap
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.44
Sharpe Ratio	-0.4
Information Ratio	0.05
Alpha Ratio	-1.19
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 Dec 20	₹10,000
31 Dec 21	₹17,434
31 Dec 22	₹18,574
31 Dec 23	₹27,661
31 Dec 24	₹34,872
31 Dec 25	₹33,217

Nippon India Small Cap 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 Small Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Jan 26

Duration	Returns
1 Month	0.9%
3 Month	-2.2%
6 Month	-5%
1 Year	-4.5%
3 Year	21%
5 Year	25.6%
10 Year
15 Year
Since launch	20%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-4.7%
2023	26.1%
2022	48.9%
2021	6.5%
2020	74.3%
2019	29.2%
2018	-2.5%
2017	-16.7%
2016	63%
2015	5.6%

Fund Manager information for Nippon India Small Cap Fund

Name	Since	Tenure
Samir Rachh	2 Jan 17	8.92 Yr.
Kinjal Desai	25 May 18	7.53 Yr.
Lokesh Maru	5 Sep 25	0.24 Yr.
Divya Sharma	5 Sep 25	0.24 Yr.

Data below for Nippon India Small Cap Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Industrials	20.06%
Financial Services	16.18%
Consumer Cyclical	15.33%
Basic Materials	11.01%
Consumer Defensive	10.83%
Health Care	8.81%
Technology	7.25%
Utility	2.37%
Energy	1.83%
Communication Services	1.23%
Real Estate	0.95%

Asset Allocation

Asset Class	Value
Cash	4.15%
Equity	95.85%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 28 Feb 21 \| MCX	3%	₹1,865 Cr	1,851,010
HDFC Bank Ltd (Financial Services) Equity, Since 30 Apr 22 \| HDFCBANK	2%	₹1,340 Cr	13,300,000
State Bank of India (Financial Services) Equity, Since 31 Oct 19 \| SBIN	1%	₹1,013 Cr	10,347,848
Karur Vysya Bank Ltd (Financial Services) Equity, Since 28 Feb 17 \| KARURVYSYA	1%	₹946 Cr	38,140,874
Bharat Heavy Electricals Ltd (Industrials) Equity, Since 30 Sep 22 \| BHEL	1%	₹858 Cr	29,507,422 ↑ 969,190
Apar Industries Ltd (Industrials) Equity, Since 31 Mar 17 \| APARINDS	1%	₹824 Cr	899,271
TD Power Systems Ltd (Industrials) Equity, Since 31 Dec 15 \| TDPOWERSYS	1%	₹799 Cr	10,278,244
eClerx Services Ltd (Technology) Equity, Since 31 Jul 20 \| ECLERX	1%	₹779 Cr	1,712,794
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 24 \| RELIANCE	1%	₹778 Cr	4,964,128
Axis Bank Ltd (Financial Services) Equity, Since 31 Jul 24 \| AXISBANK	1%	₹765 Cr	5,977,976

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Disclaimer:
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