+91-22-489139096 सर्वश्रेष्ठ मासिक आय योजना (एमआईपी) 2022
मासिक आय योजना एक ओपन-एंडेड म्यूचुअल फंड है जो मुख्य रूप से अपनी संपत्ति को फिक्स्ड में निवेश करता हैआय उपकरण। आम तौर पर, मासिक आय योजना ऋण और इक्विटी संपत्ति का एक संयोजन है, जिसमें 65% से अधिक संपत्ति का निवेश किया जाता हैनिश्चित आय उपज साधन। हालांकि, मासिक आय योजना की शेष संपत्ति इक्विटी से जुड़े उपकरणों में निवेश की जाती है, जैसे शेयर और स्टॉक, जो प्रदान करते हैंमंडी-लिंक्ड रिटर्न।
मासिक आय योजना का मूल उद्देश्य लोगों को नियमित आय प्रदान करना है। साथ ही, एक एमआईपी म्यूचुअल फंड मासिक के साथ-साथ त्रैमासिक आय का एक विकल्प प्रदान करता है, जिसे लोग अपनी सुविधा के अनुसार चुन सकते हैं।
यदि आप मासिक आय योजना में निवेश करना चाहते हैं, तो विभिन्न म्यूचुअल फंड कंपनियों द्वारा पेश की जाने वाली सर्वोत्तम मासिक आय योजना की सूची पर विचार करने की सलाह दी जाती है।
मासिक आय योजना (एमआईपी) में किसे निवेश करना चाहिए?
कोई भी मध्यम जोखिम-प्रतिकूलइन्वेस्टर जो निश्चित आय के साथ इक्विटी बाजारों में कुछ निवेश की तलाश में है, वह मासिक आय योजना में निवेश कर सकता है। निश्चित आय प्रदान करने के अलावा, मासिक आय योजना बाजार से जुड़े रिटर्न प्रदान करती है। इसके अलावा, एक मासिक आय योजना वरिष्ठ नागरिकों के लिए भी उपयुक्त है, जो निकट हैंनिवृत्ति.
इसलिए, यदि आप मासिक आय की तलाश में हैं, तो अभी सर्वश्रेष्ठ मासिक आय योजना में निवेश करें!
भारत में 6 सर्वश्रेष्ठ प्रदर्शन करने वाले मासिक आय म्युचुअल फंड वित्तीय वर्ष 22 - 23
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Since launch (%) ICICI Prudential MIP 25 Growth ₹76.0863
↑ 0.22 ₹3,271 -2.2 -1 4.5 9.4 8.3 7.9 9.7 DSP Regular Savings Fund Growth ₹58.6574
↑ 0.17 ₹184 -2.4 -0.7 2.3 9.2 7.5 7.2 8.5 Baroda Pioneer Conservative Hybrid Fund Growth ₹30.2092
↑ 0.02 ₹33 -1.7 -1.2 3.3 9.1 7.8 6.5 Aditya Birla Sun Life Regular Savings Fund Growth ₹67.3463
↑ 0.24 ₹1,523 -1.7 -0.4 4.9 8.7 7.9 7.1 9.1 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Mar 26 Research Highlights & Commentary of 4 Funds showcased
Commentary ICICI Prudential MIP 25 DSP Regular Savings Fund Baroda Pioneer Conservative Hybrid Fund Aditya Birla Sun Life Regular Savings Fund Point 1 Highest AUM (₹3,271 Cr). Lower mid AUM (₹184 Cr). Bottom quartile AUM (₹33 Cr). Upper mid AUM (₹1,523 Cr). Point 2 Oldest track record among peers (22 yrs). Established history (21+ yrs). Established history (21+ yrs). Established history (21+ yrs). Point 3 Top rated. Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). Rating: 5★ (upper mid). Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderate. Risk profile: Moderately High. Point 5 5Y return: 8.35% (top quartile). 5Y return: 7.50% (bottom quartile). 5Y return: 7.83% (lower mid). 5Y return: 7.92% (upper mid). Point 6 3Y return: 9.44% (top quartile). 3Y return: 9.22% (upper mid). 3Y return: 9.05% (lower mid). 3Y return: 8.72% (bottom quartile). Point 7 1Y return: 4.48% (upper mid). 1Y return: 2.35% (bottom quartile). 1Y return: 3.31% (lower mid). 1Y return: 4.91% (top quartile). Point 8 1M return: -2.15% (upper mid). 1M return: -2.31% (lower mid). 1M return: -1.08% (top quartile). 1M return: -2.50% (bottom quartile). Point 9 Alpha: 0.00 (lower mid). Alpha: -0.12 (bottom quartile). Alpha: 0.25 (upper mid). Alpha: 1.70 (top quartile). Point 10 Sharpe: 1.14 (upper mid). Sharpe: 0.62 (bottom quartile). Sharpe: 0.85 (lower mid). Sharpe: 1.22 (top quartile). ICICI Prudential MIP 25
DSP Regular Savings Fund
Baroda Pioneer Conservative Hybrid Fund
Aditya Birla Sun Life Regular Savings Fund
The Scheme seeks to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme. However, there can be no assurance that the investment objectives of the Scheme will be realized. Research Highlights for ICICI Prudential MIP 25 Below is the key information for ICICI Prudential MIP 25 Returns up to 1 year are on (Erstwhile DSP BlackRock MIP Fund) The scheme is seeking to generate an attractive return, consistent with prudent risk, from a portfolio which is substantially constituted of quality debt securities. The scheme will also seek to generate capital appreciation by investing a smaller portion of its corpus in equity and equity related securities of the 100 largest corporates by market capitalisation, listed in India. Research Highlights for DSP Regular Savings Fund Below is the key information for DSP Regular Savings Fund Returns up to 1 year are on (Erstwhile Baroda Pioneer MIP Fund) To generate regular income through investment in debt and money market instruments and also to generate long term capital appreciation by investing a portion in equity and equity related instruments. Research Highlights for Baroda Pioneer Conservative Hybrid Fund Below is the key information for Baroda Pioneer Conservative Hybrid Fund Returns up to 1 year are on (Erstwhile Aditya Birla Sun Life MIP II - Wealth 25 Plan) An Open-ended income scheme with the objective to generate regular income so as to make monthly payment or distribution to unit holders with the secondary objective being growth of capital. Monthly Income is not assured and is subject to availability of distributable surplus. Research Highlights for Aditya Birla Sun Life Regular Savings Fund Below is the key information for Aditya Birla Sun Life Regular Savings Fund Returns up to 1 year are on 1. ICICI Prudential MIP 25
ICICI Prudential MIP 25
Growth Launch Date 30 Mar 04 NAV (24 Mar 26) ₹76.0863 ↑ 0.22 (0.29 %) Net Assets (Cr) ₹3,271 on 15 Mar 26 Category Hybrid - Hybrid Debt AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.67 Sharpe Ratio 1.14 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 28 Feb 21 ₹10,000 28 Feb 22 ₹10,857 28 Feb 23 ₹11,380 29 Feb 24 ₹13,002 28 Feb 25 ₹14,010 28 Feb 26 ₹15,261 Returns for ICICI Prudential MIP 25
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Mar 26 Duration Returns 1 Month -2.2% 3 Month -2.2% 6 Month -1% 1 Year 4.5% 3 Year 9.4% 5 Year 8.3% 10 Year 15 Year Since launch 9.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.9% 2023 11.4% 2022 11.4% 2021 5.1% 2020 9.9% 2019 10.9% 2018 9.6% 2017 5.1% 2016 12.9% 2015 10.9% Fund Manager information for ICICI Prudential MIP 25
Name Since Tenure Manish Banthia 19 Sep 13 12.45 Yr. Akhil Kakkar 22 Jan 24 2.1 Yr. Roshan Chutkey 2 May 22 3.83 Yr. Sharmila D’mello 31 Jul 22 3.58 Yr. Data below for ICICI Prudential MIP 25 as on 15 Mar 26
Asset Allocation
Asset Class Value Cash 11.05% Equity 23.11% Debt 65.54% Other 0.29% Equity Sector Allocation
Sector Value Financial Services 6.75% Consumer Cyclical 2.76% Communication Services 1.97% Health Care 1.95% Technology 1.92% Consumer Defensive 1.84% Real Estate 1.46% Industrials 1.33% Utility 1.27% Energy 0.98% Basic Materials 0.88% Debt Sector Allocation
Sector Value Corporate 45.49% Government 21.47% Cash Equivalent 9.65% Credit Quality
Rating Value A 7.43% AA 47.23% AAA 45.34% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.68% Gs 2040
Sovereign Bonds | -5% ₹159 Cr 16,464,700 6.90% Gs 2065
Sovereign Bonds | -4% ₹141 Cr 15,000,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹101 Cr 10,000 Manappuram Finance Limited
Debentures | -3% ₹100 Cr 10,000 Adani Enterprises Limited
Debentures | -3% ₹100 Cr 10,000 L&T Metro Rail (Hyderabad) Limited
Debentures | -2% ₹80 Cr 800 360 One Prime Limited
Debentures | -2% ₹75 Cr 7,500 Yes Bank Limited
Debentures | -2% ₹65 Cr 650 Goi Frb 2034
Sovereign Bonds | -2% ₹62 Cr 6,036,910
↓ -166,750 6.48% Gs 2035
Sovereign Bonds | -2% ₹52 Cr 5,259,000 2. DSP Regular Savings Fund
DSP Regular Savings Fund
Growth Launch Date 11 Jun 04 NAV (24 Mar 26) ₹58.6574 ↑ 0.17 (0.28 %) Net Assets (Cr) ₹184 on 28 Feb 26 Category Hybrid - Hybrid Debt AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk Moderately High Expense Ratio 1.12 Sharpe Ratio 0.62 Information Ratio 0.5 Alpha Ratio -0.12 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 28 Feb 21 ₹10,000 28 Feb 22 ₹10,766 28 Feb 23 ₹11,081 29 Feb 24 ₹12,612 28 Feb 25 ₹13,672 28 Feb 26 ₹14,756 Returns for DSP Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Mar 26 Duration Returns 1 Month -2.3% 3 Month -2.4% 6 Month -0.7% 1 Year 2.3% 3 Year 9.2% 5 Year 7.5% 10 Year 15 Year Since launch 8.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.2% 2023 11% 2022 12% 2021 3.5% 2020 7.8% 2019 9.3% 2018 6.9% 2017 -5.3% 2016 11% 2015 10.7% Fund Manager information for DSP Regular Savings Fund
Name Since Tenure Abhishek Singh 31 May 21 4.75 Yr. Shantanu Godambe 1 Aug 24 1.58 Yr. Data below for DSP Regular Savings Fund as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 14.21% Equity 19.19% Debt 65.61% Other 0.99% Equity Sector Allocation
Sector Value Financial Services 10.21% Health Care 2.43% Consumer Cyclical 1.53% Consumer Defensive 1.27% Technology 0.8% Utility 0.8% Basic Materials 0.8% Energy 0.65% Industrials 0.43% Communication Services 0.28% Debt Sector Allocation
Sector Value Government 53.63% Corporate 22.18% Cash Equivalent 4.02% Credit Quality
Rating Value AA 5.89% AAA 94.11% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.32% Gs 2030
Sovereign Bonds | -12% ₹21 Cr 2,000,000 Goi Floating Rate Bond 2033
Sovereign Bonds | -9% ₹16 Cr 1,500,000
↓ -500,000 7.03% Maharashtra Sgs 2038
Sovereign Bonds | -8% ₹15 Cr 1,500,000 7.06% Gs 2028
Sovereign Bonds | -6% ₹11 Cr 1,000,000 6.33% Gs 2035
Sovereign Bonds | -5% ₹10 Cr 1,000,000 IDFC First Bank Ltd.
Debentures | -5% ₹9 Cr 200 Muthoot Finance Limited
Debentures | -4% ₹7 Cr 750 7.10% Gs 2029
Sovereign Bonds | -3% ₹5 Cr 500,000 7.10% Gs 2034
Sovereign Bonds | -3% ₹5 Cr 500,000 Cholamandalam Investment And Finance Company Limited
Debentures | -3% ₹5 Cr 500
↑ 500 3. Baroda Pioneer Conservative Hybrid Fund
Baroda Pioneer Conservative Hybrid Fund
Growth Launch Date 8 Sep 04 NAV (11 Mar 22) ₹30.2092 ↑ 0.02 (0.06 %) Net Assets (Cr) ₹33 on 31 Jan 22 Category Hybrid - Hybrid Debt AMC Baroda Pioneer Asset Management Co. Ltd. Rating ☆☆ Risk Moderate Expense Ratio 2.08 Sharpe Ratio 0.85 Information Ratio -0.38 Alpha Ratio 0.25 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 28 Feb 21 ₹10,000 28 Feb 22 ₹10,434 Returns for Baroda Pioneer Conservative Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Mar 26 Duration Returns 1 Month -1.1% 3 Month -1.7% 6 Month -1.2% 1 Year 3.3% 3 Year 9.1% 5 Year 7.8% 10 Year 15 Year Since launch 6.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Fund Manager information for Baroda Pioneer Conservative Hybrid Fund
Name Since Tenure Data below for Baroda Pioneer Conservative Hybrid Fund as on 31 Jan 22
Asset Allocation
Asset Class Value Equity Sector Allocation
Sector Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 4. Aditya Birla Sun Life Regular Savings Fund
Aditya Birla Sun Life Regular Savings Fund
Growth Launch Date 22 May 04 NAV (24 Mar 26) ₹67.3463 ↑ 0.24 (0.36 %) Net Assets (Cr) ₹1,523 on 28 Feb 26 Category Hybrid - Hybrid Debt AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.91 Sharpe Ratio 1.22 Information Ratio 0.22 Alpha Ratio 1.7 Min Investment 1,000 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 28 Feb 21 ₹10,000 28 Feb 22 ₹11,143 28 Feb 23 ₹11,487 29 Feb 24 ₹12,752 28 Feb 25 ₹13,756 28 Feb 26 ₹15,093 Returns for Aditya Birla Sun Life Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Mar 26 Duration Returns 1 Month -2.5% 3 Month -1.7% 6 Month -0.4% 1 Year 4.9% 3 Year 8.7% 5 Year 7.9% 10 Year 15 Year Since launch 9.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.1% 2023 10.5% 2022 9.6% 2021 5.3% 2020 13.4% 2019 9.2% 2018 5.8% 2017 -2.2% 2016 15.5% 2015 13.1% Fund Manager information for Aditya Birla Sun Life Regular Savings Fund
Name Since Tenure Mohit Sharma 31 Oct 24 1.33 Yr. Harshil Suvarnkar 22 Mar 21 4.94 Yr. Data below for Aditya Birla Sun Life Regular Savings Fund as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 7.54% Equity 22.21% Debt 69.92% Other 0.32% Equity Sector Allocation
Sector Value Financial Services 8.03% Health Care 2.66% Consumer Cyclical 2.3% Basic Materials 1.97% Industrials 1.64% Technology 1.12% Communication Services 1.11% Consumer Defensive 0.93% Real Estate 0.89% Utility 0.88% Energy 0.69% Debt Sector Allocation
Sector Value Corporate 44.72% Government 27.05% Cash Equivalent 5.69% Credit Quality
Rating Value A 3.72% AA 23.57% AAA 72.71% Top Securities Holdings / Portfolio
Name Holding Value Quantity Cholamandalam Investment And Finance Company Limited
Debentures | -4% ₹56 Cr 5,500 Housing And Urban Development Corporation Limited
Debentures | -3% ₹50 Cr 5,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹45 Cr 4,316 6.68% Gs 2040
Sovereign Bonds | -3% ₹43 Cr 4,490,000
↑ 4,000,000 Adani Power Ltd
Debentures | -2% ₹35 Cr 3,500 Bajaj Housing Finance Limited
Debentures | -2% ₹31 Cr 300 Nuvama Wealth Finance Limited
Debentures | -2% ₹30 Cr 3,000 Bharti Telecom Limited
Debentures | -2% ₹30 Cr 3,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK2% ₹28 Cr 206,000 Jubilant Bevco Limited
Debentures | -2% ₹27 Cr 2,500
एमआईपी म्युचुअल फंड योजना में जोखिम
पहलेनिवेश उपर्युक्त सर्वोत्तम मासिक आय योजनाओं में से किसी में, आपको मासिक आय योजना के जोखिमों के बारे में पता होना चाहिए।
कोई निश्चित आश्वासन नहीं
यह एक आम धारणा है कि मासिक आय योजना मासिक निश्चित आय प्रदान करती है। लेकिन, ऐसे म्यूचुअल फंड में सुनिश्चित रिटर्न की कोई गारंटी नहीं होती है। चूंकि यह योजना भी निवेश करती हैइक्विटीज, रिटर्न फंड के प्रदर्शन और बाजार की स्थिति पर निर्भर करता है।
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लाभांश की घोषणा मुनाफे के माध्यम से की जाती है न कि पूंजी से
मासिक आय योजना के लिए लाभांश का भुगतान केवल अतिरिक्त आय से किया जा सकता है न किराजधानी निवेश। उदाहरण के लिए, यदि शुद्ध संपत्ति मूल्य (नहीं हैं) फंड की से बढ़ जाती हैINR 10 से INR 13, यह योजना केवल 3 रुपये में से घोषित कर सकती है जिसे उसने पूंजीगत प्रशंसा में अर्जित किया है। इसलिए, यदि बाजार की चाल के कारण योजना का एनएवी धीरे-धीरे बढ़ता है या गिरता है, तो यह लाभांश की घोषणा बिल्कुल भी नहीं कर सकता है।
डीडीटी चार्ज किया जाता है
यदि आप लाभांश के साथ एमआईपी का विकल्प चुनते हैं, तो लाभांश के रूप में आप समय-समय पर जो आय अर्जित करते हैं, उस पर लाभांश वितरण कर (डीडीटी) लगाया जाता है। तो, रिटर्न पूरी तरह से कर-मुक्त नहीं हैं।
एमआईपी पर कराधान और निकास भार
कुछ मासिक आय योजनाओं की लॉक-इन अवधि तीन वर्ष जितनी अधिक होती है, इसलिए यदि योजना परिपक्वता अवधि से पहले बेची जाती है तो एक निश्चित निकास भार लागू होता है। साथ ही, एमआईपी अपनी अधिकांश संपत्ति डेट इंस्ट्रूमेंट्स में निवेश करते हैं, इसलिए डेट निवेश के अनुसार उन पर टैक्स लगता है।
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You clarified nicely that MIP is not about regular monthly income as its returns works like regular mutual fund schemes. But is this MIP having risk with the capital too. Do we lose capital in case market performance is poor ie same as MFs
Best information is given for investment
Please advise for investment regards
Excellent understand ing