2021 के लिए शीर्ष 7 सर्वश्रेष्ठ एमआईपी (मासिक आय योजना) प्रदर्शन

Updated on October 27, 2025 , 5884 views

मासिक आय योजना खुला हुआ हैम्यूचुअल फंड जो मुख्य रूप से अपनी संपत्ति को निश्चित 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।

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2021 के लिए शीर्ष 7 मासिक आय योजना (एमआईपी)

Fund	NAV	Net Assets (Cr)	2024 (%)	2023 (%)	2022 (%)	2021 (%)	2020 (%)
ICICI Prudential MIP 25 Growth	₹77.6606 ↑ 0.11	₹3,261	11.4	11.4	5.1	9.9	10.9
DSP Regular Savings Fund Growth	₹59.619 ↑ 0.04	₹177	11	12	3.5	7.8	9.3
Aditya Birla Sun Life Regular Savings Fund Growth	₹68.6285 ↑ 0.10	₹1,542	10.5	9.6	5.3	13.4	9.2
Baroda Pioneer Conservative Hybrid Fund Growth	₹30.2092 ↑ 0.02	₹33
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Oct 25

Research Highlights & Commentary of 4 Funds showcased

Commentary	ICICI Prudential MIP 25	DSP Regular Savings Fund	Aditya Birla Sun Life Regular Savings Fund	Baroda Pioneer Conservative Hybrid Fund
Point 1	Highest AUM (₹3,261 Cr).	Lower mid AUM (₹177 Cr).	Upper mid AUM (₹1,542 Cr).	Bottom quartile AUM (₹33 Cr).
Point 2	Oldest track record among peers (21 yrs).	Established history (21+ yrs).	Established history (21+ yrs).	Established history (21+ yrs).
Point 3	Top rated.	Rating: 3★ (lower mid).	Rating: 5★ (upper mid).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.
Point 5	5Y return: 10.01% (upper mid).	5Y return: 8.98% (lower mid).	5Y return: 10.96% (top quartile).	5Y return: 7.83% (bottom quartile).
Point 6	3Y return: 10.46% (top quartile).	3Y return: 10.22% (upper mid).	3Y return: 9.54% (lower mid).	3Y return: 9.05% (bottom quartile).
Point 7	1Y return: 8.33% (top quartile).	1Y return: 6.75% (lower mid).	1Y return: 8.07% (upper mid).	1Y return: 3.31% (bottom quartile).
Point 8	1M return: 1.39% (upper mid).	1M return: 1.33% (lower mid).	1M return: 1.80% (top quartile).	1M return: -1.08% (bottom quartile).
Point 9	Alpha: 0.00 (bottom quartile).	Alpha: 0.30 (upper mid).	Alpha: 1.03 (top quartile).	Alpha: 0.25 (lower mid).
Point 10	Sharpe: -0.06 (lower mid).	Sharpe: -0.18 (bottom quartile).	Sharpe: 0.04 (upper mid).	Sharpe: 0.85 (top quartile).

ICICI Prudential MIP 25

Highest AUM (₹3,261 Cr).
Oldest track record among peers (21 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 10.01% (upper mid).
3Y return: 10.46% (top quartile).
1Y return: 8.33% (top quartile).
1M return: 1.39% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.06 (lower mid).

DSP Regular Savings Fund

Lower mid AUM (₹177 Cr).
Established history (21+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 8.98% (lower mid).
3Y return: 10.22% (upper mid).
1Y return: 6.75% (lower mid).
1M return: 1.33% (lower mid).
Alpha: 0.30 (upper mid).
Sharpe: -0.18 (bottom quartile).

Aditya Birla Sun Life Regular Savings Fund

Upper mid AUM (₹1,542 Cr).
Established history (21+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 10.96% (top quartile).
3Y return: 9.54% (lower mid).
1Y return: 8.07% (upper mid).
1M return: 1.80% (top quartile).
Alpha: 1.03 (top quartile).
Sharpe: 0.04 (upper mid).

Baroda Pioneer Conservative Hybrid Fund

Bottom quartile AUM (₹33 Cr).
Established history (21+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
5Y return: 7.83% (bottom quartile).
3Y return: 9.05% (bottom quartile).
1Y return: 3.31% (bottom quartile).
1M return: -1.08% (bottom quartile).
Alpha: 0.25 (lower mid).
Sharpe: 0.85 (top quartile).

2021 के प्रदर्शन के आधार पर सर्वश्रेष्ठ प्रदर्शन करने वाला एमआईपी फंड

1. ICICI Prudential MIP 25

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

Highest AUM (₹3,261 Cr).
Oldest track record among peers (21 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 10.01% (upper mid).
3Y return: 10.46% (top quartile).
1Y return: 8.33% (top quartile).
1M return: 1.39% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.06 (lower mid).
Information ratio: 0.00 (lower mid).
Top sector: Financial Services.
Debt-heavy allocation (~69%).
High-quality debt (AAA/AA ~92%).
Largest holding 6.99% Govt Stock 2034 (~5.1%).

Below is the key information for ICICI Prudential MIP 25

ICICI Prudential MIP 25 Growth
Launch Date	30 Mar 04
NAV (29 Oct 25)	₹77.6606 ↑ 0.11 (0.14 %)
Net Assets (Cr)	₹3,261 on 15 Sep 25
Category	Hybrid - Hybrid Debt
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.67
Sharpe Ratio	-0.06
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 20	₹10,000
30 Sep 21	₹11,547
30 Sep 22	₹11,994
30 Sep 23	₹13,113
30 Sep 24	₹15,170
30 Sep 25	₹16,064

ICICI Prudential MIP 25 SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹395,578.
Net Profit of ₹95,578 Invest Now

Returns for ICICI Prudential MIP 25

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Oct 25

Duration	Returns
1 Month	1.4%
3 Month	2.2%
6 Month	4.9%
1 Year	8.3%
3 Year	10.5%
5 Year	10%
10 Year
15 Year
Since launch	10%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	11.4%
2023	11.4%
2022	5.1%
2021	9.9%
2020	10.9%
2019	9.6%
2018	5.1%
2017	12.9%
2016	10.9%
2015	6.4%

Fund Manager information for ICICI Prudential MIP 25

Name	Since	Tenure
Manish Banthia	19 Sep 13	12.04 Yr.
Akhil Kakkar	22 Jan 24	1.69 Yr.
Roshan Chutkey	2 May 22	3.42 Yr.
Sharmila D’mello	31 Jul 22	3.17 Yr.

Data below for ICICI Prudential MIP 25 as on 15 Sep 25

Asset Allocation

Asset Class	Value
Cash	7.36%
Equity	23.48%
Debt	68.86%
Other	0.29%

Equity Sector Allocation

Sector	Value
Financial Services	6.73%
Consumer Cyclical	3.71%
Health Care	2.56%
Communication Services	1.93%
Real Estate	1.67%
Technology	1.45%
Energy	1.32%
Utility	1.14%
Basic Materials	1.06%
Consumer Defensive	0.93%
Industrials	0.84%

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value
A	7.58%
AA	34.15%
AAA	58.27%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.99% Govt Stock 2034 Sovereign Bonds \| -	5%	₹169 Cr	16,574,750
6.9% Govt Stock 2065 Sovereign Bonds \| -	4%	₹146 Cr	15,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	3%	₹112 Cr	10,775,880
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹101 Cr	10,000
Adani Enterprises Ltd. ** Debentures \| -	3%	₹100 Cr	10,000 ↑ 10,000
L&T Metro Rail (Hyderabad) Limited Debentures \| -	2%	₹80 Cr	800
360 One Prime Limited Debentures \| -	2%	₹76 Cr	7,500
State Bank Of India Debentures \| -	2%	₹75 Cr	750
Yes Bank Limited Debentures \| -	2%	₹65 Cr	650
ICICI Bank Ltd (Financial Services) Equity, Since 30 Jun 19 \| ICICIBANK	2%	₹52 Cr	372,298

2. DSP Regular Savings Fund

(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

Lower mid AUM (₹177 Cr).
Established history (21+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 8.98% (lower mid).
3Y return: 10.22% (upper mid).
1Y return: 6.75% (lower mid).
1M return: 1.33% (lower mid).
Alpha: 0.30 (upper mid).
Sharpe: -0.18 (bottom quartile).
Information ratio: 0.67 (top quartile).
Top sector: Financial Services.
Top bond sector: Government.
Debt-heavy allocation (~69%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.33% Govt Stock 2035 (~14.2%).
Top-3 holdings concentration ~37.9%.

Below is the key information for DSP Regular Savings Fund

DSP Regular Savings Fund Growth
Launch Date	11 Jun 04
NAV (29 Oct 25)	₹59.619 ↑ 0.04 (0.07 %)
Net Assets (Cr)	₹177 on 31 Aug 25
Category	Hybrid - Hybrid Debt
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.12
Sharpe Ratio	-0.18
Information Ratio	0.67
Alpha Ratio	0.3
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
30 Sep 20	₹10,000
30 Sep 21	₹11,494
30 Sep 22	₹11,509
30 Sep 23	₹12,628
30 Sep 24	₹14,710
30 Sep 25	₹15,389

DSP Regular Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹376,357.
Net Profit of ₹76,357 Invest Now

Returns for DSP Regular Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Oct 25

Duration	Returns
1 Month	1.3%
3 Month	1.2%
6 Month	2.8%
1 Year	6.7%
3 Year	10.2%
5 Year	9%
10 Year
15 Year
Since launch	8.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	11%
2023	12%
2022	3.5%
2021	7.8%
2020	9.3%
2019	6.9%
2018	-5.3%
2017	11%
2016	10.7%
2015	4.8%

Fund Manager information for DSP Regular Savings Fund

Name	Since	Tenure
Abhishek Singh	31 May 21	4.34 Yr.
Shantanu Godambe	1 Aug 24	1.17 Yr.

Data below for DSP Regular Savings Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	12.79%
Equity	16.92%
Debt	69.13%
Other	1.15%

Equity Sector Allocation

Sector	Value
Financial Services	7.06%
Health Care	2.54%
Consumer Cyclical	1.59%
Technology	1.31%
Utility	1.06%
Consumer Defensive	1.06%
Energy	0.82%
Basic Materials	0.58%
Industrials	0.56%
Communication Services	0.34%

Debt Sector Allocation

Sector	Value
Government	69.13%
Cash Equivalent	12.79%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.33% Govt Stock 2035 Sovereign Bonds \| -	14%	₹25 Cr	2,500,000
7.32% Govt Stock 2030 Sovereign Bonds \| -	12%	₹22 Cr	2,000,000
6.82% Govt Stock 2033 Sovereign Bonds \| -	12%	₹21 Cr	2,000,000
Power Grid Corporation Of India Limited Debentures \| -	6%	₹11 Cr	100
7.1% Govt Stock 2029 Sovereign Bonds \| -	6%	₹11 Cr	1,000,000
7.06% Govt Stock 2028 Sovereign Bonds \| -	6%	₹10 Cr	1,000,000
7.37% Govt Stock 2028 Sovereign Bonds \| -	3%	₹5 Cr	500,000
7.02% Govt Stock 2031 Sovereign Bonds \| -	3%	₹5 Cr	500,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹5 Cr	50
6.63% Govt Stock 2031 Sovereign Bonds \| -	3%	₹5 Cr	500,000

3. Aditya Birla Sun Life Regular Savings Fund

(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

Upper mid AUM (₹1,542 Cr).
Established history (21+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 10.96% (top quartile).
3Y return: 9.54% (lower mid).
1Y return: 8.07% (upper mid).
1M return: 1.80% (top quartile).
Alpha: 1.03 (top quartile).
Sharpe: 0.04 (upper mid).
Information ratio: 0.18 (upper mid).
Top sector: Financial Services.
Debt-heavy allocation (~71%).
High-quality debt (AAA/AA ~98%).
Largest holding Cholamandalam Investment And Finance Company Limited (~3.6%).

Below is the key information for Aditya Birla Sun Life Regular Savings Fund

Aditya Birla Sun Life Regular Savings Fund Growth
Launch Date	22 May 04
NAV (29 Oct 25)	₹68.6285 ↑ 0.10 (0.14 %)
Net Assets (Cr)	₹1,542 on 15 Sep 25
Category	Hybrid - Hybrid Debt
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.91
Sharpe Ratio	0.04
Information Ratio	0.18
Alpha Ratio	1.03
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
30 Sep 20	₹10,000
30 Sep 21	₹12,391
30 Sep 22	₹12,891
30 Sep 23	₹13,951
30 Sep 24	₹15,880
30 Sep 25	₹16,791

Aditya Birla Sun Life Regular Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹395,578.
Net Profit of ₹95,578 Invest Now

Returns for Aditya Birla Sun Life Regular Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Oct 25

Duration	Returns
1 Month	1.8%
3 Month	2.2%
6 Month	4.6%
1 Year	8.1%
3 Year	9.5%
5 Year	11%
10 Year
15 Year
Since launch	9.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	10.5%
2023	9.6%
2022	5.3%
2021	13.4%
2020	9.2%
2019	5.8%
2018	-2.2%
2017	15.5%
2016	13.1%
2015	5.4%

Fund Manager information for Aditya Birla Sun Life Regular Savings Fund

Name	Since	Tenure
Mohit Sharma	31 Oct 24	0.92 Yr.
Harshil Suvarnkar	22 Mar 21	4.53 Yr.

Data below for Aditya Birla Sun Life Regular Savings Fund as on 15 Sep 25

Asset Allocation

Asset Class	Value
Cash	6.13%
Equity	22.61%
Debt	70.95%
Other	0.31%

Equity Sector Allocation

Sector	Value
Financial Services	7.24%
Health Care	2.7%
Technology	2.69%
Consumer Cyclical	2.32%
Basic Materials	1.76%
Industrials	1.46%
Real Estate	1.39%
Communication Services	1.15%
Consumer Defensive	0.98%
Energy	0.67%
Utility	0.25%

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value
A	2.22%
AA	23.1%
AAA	74.68%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Cholamandalam Investment And Finance Company Limited Debentures \| -	4%	₹56 Cr	5,500
Jtpm Metal TRaders Limited Debentures \| -	3%	₹44 Cr	4,316
Bajaj Housing Finance Limited Debentures \| -	2%	₹31 Cr	300
Nuvama Wealth Finance Limited Debentures \| -	2%	₹30 Cr	3,000
Power Grid Corporation Of India Limited Debentures \| -	2%	₹30 Cr	3,000 ↓ -1,500
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 17 \| HDFCBANK	2%	₹29 Cr	300,000
Jubilant Bevco Limited Debentures \| -	2%	₹26 Cr	2,500
Rural Electrification Corporation Limited Debentures \| -	2%	₹26 Cr	250
Bharti Telecom Limited Debentures \| -	2%	₹26 Cr	2,500
Indian Railway Finance Corporation Limited Debentures \| -	2%	₹26 Cr	2,500

4. Baroda Pioneer Conservative Hybrid Fund

(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

Bottom quartile AUM (₹33 Cr).
Established history (21+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
5Y return: 7.83% (bottom quartile).
3Y return: 9.05% (bottom quartile).
1Y return: 3.31% (bottom quartile).
1M return: -1.08% (bottom quartile).
Alpha: 0.25 (lower mid).
Sharpe: 0.85 (top quartile).
Information ratio: -0.38 (bottom quartile).

Below is the key information for 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
30 Sep 20	₹10,000
30 Sep 21	₹11,086

Baroda Pioneer Conservative Hybrid Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹367,070.
Net Profit of ₹67,070 Invest Now

Returns for Baroda Pioneer Conservative Hybrid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Oct 25

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

Disclaimer:
यहां प्रदान की गई जानकारी सटीक है, यह सुनिश्चित करने के लिए सभी प्रयास किए गए हैं। हालांकि, डेटा की शुद्धता के संबंध में कोई गारंटी नहीं दी जाती है। कृपया कोई भी निवेश करने से पहले योजना सूचना दस्तावेज के साथ सत्यापित करें।