म्यूचुअल फंड एक निवेश का तरीका है जो तब बनता है जब एक ही विचार को साझा करने वाले कई व्यक्ति एक साथ आते हैं और अपना पैसा निवेश करते हैं। म्यूचुअल फंड योजना तब इन व्यक्तियों की ओर से विभिन्न वित्तीय साधनों में निवेश करती है और लाभ कमाती है। म्यूचुअल फंड योजनाओं की विभिन्न श्रेणियां हैं जिन्हें व्यक्तियों की विविध आवश्यकताओं को पूरा करने के लिए डिज़ाइन किया गया है। म्यूचुअल फंड योजनाओं की व्यापक श्रेणियांइक्विटी फंड,डेट फंड, तथाहाइब्रिड फंड. 2021 में सभी स्कीम कैटेगरी का परफॉर्मेंस अच्छा रहा।म्यूचुअल फंड्स अपने निवेशकों के लिए अनुरूप रिटर्न अर्जित करने में सक्षम थे। तो, आइए 2021 के लिए इन योजनाओं के प्रदर्शन पर एक नजर डालते हैं।
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Fund NAV Net Assets (Cr) 2024 (%) 2023 (%) 2022 (%) 2021 (%) 2020 (%) Motilal Oswal Midcap 30 Fund Growth ₹104.111
↓ -0.06 ₹33,609 57.1 41.7 10.7 55.8 9.3 LIC MF Infrastructure Fund Growth ₹48.6978
↓ -0.05 ₹1,038 47.8 44.4 7.9 46.6 -0.1 Motilal Oswal Long Term Equity Fund Growth ₹50.731
↓ -0.38 ₹4,402 47.7 37 1.8 32.1 8.8 Motilal Oswal Multicap 35 Fund Growth ₹61.8928
↓ -0.01 ₹13,727 45.7 31 -3 15.3 10.3 Invesco India Mid Cap Fund Growth ₹184.33
↑ 0.20 ₹7,802 43.1 34.1 0.5 43.1 24.4 UTI Healthcare Fund Growth ₹296.152
↑ 1.14 ₹1,146 42.9 38.2 -12.3 19.1 67.4 SBI Healthcare Opportunities Fund Growth ₹435.532
↑ 0.19 ₹4,027 42.2 38.2 -6 20.1 65.8 TATA India Pharma & Healthcare Fund Growth ₹31.21
↑ 0.06 ₹1,339 40.4 36.6 -8 19.1 64.4 IDBI Small Cap Fund Growth ₹29.8967
↑ 0.04 ₹618 40 33.4 2.4 64.7 19 Bandhan Infrastructure Fund Growth ₹49.986
↓ -0.04 ₹1,676 39.3 50.3 1.7 64.8 6.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 21 Aug 25 Research Highlights & Commentary of 10 Funds showcased
Commentary Motilal Oswal Midcap 30 Fund LIC MF Infrastructure Fund Motilal Oswal Long Term Equity Fund Motilal Oswal Multicap 35 Fund Invesco India Mid Cap Fund UTI Healthcare Fund SBI Healthcare Opportunities Fund TATA India Pharma & Healthcare Fund IDBI Small Cap Fund Bandhan Infrastructure Fund Point 1 Highest AUM (₹33,609 Cr). Bottom quartile AUM (₹1,038 Cr). Upper mid AUM (₹4,402 Cr). Top quartile AUM (₹13,727 Cr). Upper mid AUM (₹7,802 Cr). Bottom quartile AUM (₹1,146 Cr). Upper mid AUM (₹4,027 Cr). Lower mid AUM (₹1,339 Cr). Bottom quartile AUM (₹618 Cr). Lower mid AUM (₹1,676 Cr). Point 2 Established history (11+ yrs). Established history (17+ yrs). Established history (10+ yrs). Established history (11+ yrs). Established history (18+ yrs). Oldest track record among peers (26 yrs). Established history (20+ yrs). Established history (9+ yrs). Established history (8+ yrs). Established history (14+ yrs). Point 3 Rating: 3★ (upper mid). Not Rated. Not Rated. Top rated. Rating: 2★ (upper mid). Rating: 1★ (lower mid). Rating: 2★ (upper mid). Not Rated. Not Rated. Rating: 5★ (top quartile). Point 4 Risk profile: Moderately High. Risk profile: High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: Moderately High. Risk profile: High. Point 5 5Y return: 33.33% (top quartile). 5Y return: 30.73% (upper mid). 5Y return: 25.02% (lower mid). 5Y return: 19.40% (bottom quartile). 5Y return: 28.33% (upper mid). 5Y return: 18.69% (bottom quartile). 5Y return: 20.47% (lower mid). 5Y return: 18.93% (bottom quartile). 5Y return: 27.68% (upper mid). 5Y return: 31.61% (top quartile). Point 6 3Y return: 28.37% (top quartile). 3Y return: 27.32% (upper mid). 3Y return: 24.11% (bottom quartile). 3Y return: 22.90% (bottom quartile). 3Y return: 28.77% (top quartile). 3Y return: 26.14% (lower mid). 3Y return: 27.18% (upper mid). 3Y return: 24.13% (lower mid). 3Y return: 18.25% (bottom quartile). 3Y return: 27.46% (upper mid). Point 7 1Y return: 3.86% (upper mid). 1Y return: -6.04% (bottom quartile). 1Y return: -0.80% (lower mid). 1Y return: 7.54% (upper mid). 1Y return: 15.29% (top quartile). 1Y return: 8.33% (upper mid). 1Y return: 10.33% (top quartile). 1Y return: 3.48% (lower mid). 1Y return: -9.50% (bottom quartile). 1Y return: -10.83% (bottom quartile). Point 8 Alpha: 3.70 (upper mid). Alpha: 1.35 (lower mid). Alpha: 11.36 (top quartile). Alpha: 10.18 (top quartile). Alpha: 0.00 (bottom quartile). Alpha: 0.67 (lower mid). Alpha: 3.04 (upper mid). Alpha: 2.48 (upper mid). Alpha: -3.30 (bottom quartile). Alpha: 0.00 (bottom quartile). Point 9 Sharpe: -0.11 (lower mid). Sharpe: -0.30 (bottom quartile). Sharpe: 0.04 (lower mid). Sharpe: 0.11 (upper mid). Sharpe: 0.32 (upper mid). Sharpe: 0.43 (top quartile). Sharpe: 0.60 (top quartile). Sharpe: 0.16 (upper mid). Sharpe: -0.45 (bottom quartile). Sharpe: -0.69 (bottom quartile). Point 10 Information ratio: 0.44 (upper mid). Information ratio: 0.40 (upper mid). Information ratio: 0.92 (top quartile). Information ratio: 0.80 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: -0.06 (bottom quartile). Information ratio: 0.38 (lower mid). Information ratio: 0.60 (upper mid). Information ratio: -0.66 (bottom quartile). Information ratio: 0.00 (bottom quartile). Motilal Oswal Midcap 30 Fund
LIC MF Infrastructure Fund
Motilal Oswal Long Term Equity Fund
Motilal Oswal Multicap 35 Fund
Invesco India Mid Cap Fund
UTI Healthcare Fund
SBI Healthcare Opportunities Fund
TATA India Pharma & Healthcare Fund
IDBI Small Cap Fund
Bandhan Infrastructure Fund
Fund NAV Net Assets (Cr) 2024 (%) 2023 (%) 2022 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Credit Risk Fund Growth ₹22.6416
↑ 0.00 ₹1,023 11.9 6.9 7.1 7.6% 2Y 29D 3Y 29D Bandhan Government Securities Fund - Investment Plan Growth ₹34.6845
↓ -0.04 ₹3,324 10.6 6.8 1.4 6.97% 10Y 7M 2D 21Y 5M 19D Aditya Birla Sun Life Medium Term Plan Growth ₹40.2524
↑ 0.00 ₹2,744 10.5 6.9 24.8 7.44% 3Y 6M 18D 4Y 9M 4D ICICI Prudential Long Term Bond Fund Growth ₹89.076
↓ -0.16 ₹1,169 10.1 6.8 1.3 7.02% 9Y 2M 26D 24Y 4M 24D DSP Government Securities Fund Growth ₹94.941
↓ -0.06 ₹1,894 10.1 7.1 2.7 6.79% 9Y 3M 4D 23Y 5M 19D Bandhan Dynamic Bond Fund Growth ₹33.3694
↓ -0.04 ₹2,855 10 6.4 1 6.97% 10Y 7M 2D 21Y 5M 1D Axis Gilt Fund Growth ₹25.3295
↓ -0.05 ₹619 10 7.1 2.4 6.78% 8Y 7M 24D 22Y 8M 1D Invesco India Gilt Fund Growth ₹2,801.76
↓ -4.47 ₹537 10 6.6 2.3 6.83% 9Y 6M 4D 23Y 11D DSP Strategic Bond Fund Growth ₹3,338.38
↓ -3.15 ₹1,531 9.9 7.9 1.6 6.64% 8Y 18D 18Y 6M 22D Edelweiss Government Securities Fund Growth ₹24.2978
↓ -0.03 ₹172 9.8 6.2 2.5 6.86% 10Y 22D 24Y 10M 2D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 21 Aug 25 Research Highlights & Commentary of 10 Funds showcased
Commentary Aditya Birla Sun Life Credit Risk Fund Bandhan Government Securities Fund - Investment Plan Aditya Birla Sun Life Medium Term Plan ICICI Prudential Long Term Bond Fund DSP Government Securities Fund Bandhan Dynamic Bond Fund Axis Gilt Fund Invesco India Gilt Fund DSP Strategic Bond Fund Edelweiss Government Securities Fund Point 1 Lower mid AUM (₹1,023 Cr). Highest AUM (₹3,324 Cr). Upper mid AUM (₹2,744 Cr). Lower mid AUM (₹1,169 Cr). Upper mid AUM (₹1,894 Cr). Top quartile AUM (₹2,855 Cr). Bottom quartile AUM (₹619 Cr). Bottom quartile AUM (₹537 Cr). Upper mid AUM (₹1,531 Cr). Bottom quartile AUM (₹172 Cr). Point 2 Established history (10+ yrs). Established history (16+ yrs). Established history (16+ yrs). Oldest track record among peers (27 yrs). Established history (25+ yrs). Established history (16+ yrs). Established history (13+ yrs). Established history (17+ yrs). Established history (18+ yrs). Established history (11+ yrs). Point 3 Not Rated. Rating: 3★ (upper mid). Top rated. Rating: 4★ (top quartile). Rating: 3★ (upper mid). Rating: 3★ (upper mid). Rating: 1★ (bottom quartile). Rating: 3★ (lower mid). Rating: 2★ (lower mid). Rating: 2★ (bottom quartile). Point 4 Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Point 5 1Y return: 16.39% (top quartile). 1Y return: 3.13% (bottom quartile). 1Y return: 13.00% (top quartile). 1Y return: 6.34% (upper mid). 1Y return: 4.88% (upper mid). 1Y return: 2.70% (bottom quartile). 1Y return: 5.62% (upper mid). 1Y return: 4.18% (bottom quartile). 1Y return: 4.82% (lower mid). 1Y return: 4.57% (lower mid). Point 6 1M return: 0.42% (top quartile). 1M return: -2.36% (bottom quartile). 1M return: 0.11% (top quartile). 1M return: -2.15% (bottom quartile). 1M return: -1.77% (upper mid). 1M return: -2.34% (bottom quartile). 1M return: -1.81% (upper mid). 1M return: -2.09% (lower mid). 1M return: -1.62% (upper mid). 1M return: -1.89% (lower mid). Point 7 Sharpe: 2.49 (top quartile). Sharpe: -0.04 (bottom quartile). Sharpe: 2.94 (top quartile). Sharpe: 0.69 (upper mid). Sharpe: 0.25 (upper mid). Sharpe: -0.14 (bottom quartile). Sharpe: 0.41 (upper mid). Sharpe: 0.10 (lower mid). Sharpe: 0.20 (lower mid). Sharpe: 0.07 (bottom quartile). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 7.60% (top quartile). Yield to maturity (debt): 6.97% (upper mid). Yield to maturity (debt): 7.44% (top quartile). Yield to maturity (debt): 7.02% (upper mid). Yield to maturity (debt): 6.79% (bottom quartile). Yield to maturity (debt): 6.97% (upper mid). Yield to maturity (debt): 6.78% (bottom quartile). Yield to maturity (debt): 6.83% (lower mid). Yield to maturity (debt): 6.64% (bottom quartile). Yield to maturity (debt): 6.86% (lower mid). Point 10 Modified duration: 2.08 yrs (top quartile). Modified duration: 10.59 yrs (bottom quartile). Modified duration: 3.55 yrs (top quartile). Modified duration: 9.24 yrs (upper mid). Modified duration: 9.26 yrs (lower mid). Modified duration: 10.59 yrs (bottom quartile). Modified duration: 8.65 yrs (upper mid). Modified duration: 9.51 yrs (lower mid). Modified duration: 8.05 yrs (upper mid). Modified duration: 10.06 yrs (bottom quartile). Aditya Birla Sun Life Credit Risk Fund
Bandhan Government Securities Fund - Investment Plan
Aditya Birla Sun Life Medium Term Plan
ICICI Prudential Long Term Bond Fund
DSP Government Securities Fund
Bandhan Dynamic Bond Fund
Axis Gilt Fund
Invesco India Gilt Fund
DSP Strategic Bond Fund
Edelweiss Government Securities Fund
Fund NAV Net Assets (Cr) 2024 (%) 2023 (%) 2022 (%) 2021 (%) 2020 (%) JM Equity Hybrid Fund Growth ₹120.106
↓ -0.06 ₹841 27 33.8 8.1 22.9 30.5 BOI AXA Mid and Small Cap Equity and Debt Fund Growth ₹38 ₹1,258 25.8 33.7 -4.8 54.5 31.1 Kotak Equity Hybrid Fund Growth ₹62.791
↓ -0.13 ₹7,864 21.7 20.1 5 28.9 15.4 Bandhan Hybrid Equity Fund Growth ₹26.214
↓ 0.00 ₹1,083 21 20.4 -1.1 30.8 13.9 UTI Multi Asset Fund Growth ₹74.557
↓ -0.03 ₹5,902 20.7 29.1 4.4 11.8 13.1 Edelweiss Multi Asset Allocation Fund Growth ₹63.78
↑ 0.08 ₹2,994 20.2 25.4 5.3 27.1 12.7 UTI Hybrid Equity Fund Growth ₹403.466
↑ 0.23 ₹6,422 19.7 25.5 5.6 30.5 13.2 BNP Paribas Substantial Equity Hybrid Fund Growth ₹27.8746
↑ 0.04 ₹1,230 19.3 21 4.3 22.2 14.9 DSP Equity and Bond Fund Growth ₹357.913
↑ 0.54 ₹11,436 17.7 25.3 -2.7 24.2 17 Franklin India Equity Hybrid Fund Growth ₹271.984
↑ 0.07 ₹2,256 17.7 22.5 4.7 23.8 13.7 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 21 Aug 25 Research Highlights & Commentary of 10 Funds showcased
Commentary JM Equity Hybrid Fund BOI AXA Mid and Small Cap Equity and Debt Fund Kotak Equity Hybrid Fund Bandhan Hybrid Equity Fund UTI Multi Asset Fund Edelweiss Multi Asset Allocation Fund UTI Hybrid Equity Fund BNP Paribas Substantial Equity Hybrid Fund DSP Equity and Bond Fund Franklin India Equity Hybrid Fund Point 1 Bottom quartile AUM (₹841 Cr). Lower mid AUM (₹1,258 Cr). Top quartile AUM (₹7,864 Cr). Bottom quartile AUM (₹1,083 Cr). Upper mid AUM (₹5,902 Cr). Upper mid AUM (₹2,994 Cr). Upper mid AUM (₹6,422 Cr). Bottom quartile AUM (₹1,230 Cr). Highest AUM (₹11,436 Cr). Lower mid AUM (₹2,256 Cr). Point 2 Oldest track record among peers (30 yrs). Established history (9+ yrs). Established history (10+ yrs). Established history (8+ yrs). Established history (16+ yrs). Established history (16+ yrs). Established history (30+ yrs). Established history (8+ yrs). Established history (26+ yrs). Established history (25+ yrs). Point 3 Rating: 1★ (upper mid). Not Rated. Rating: 3★ (top quartile). Not Rated. Rating: 1★ (lower mid). Rating: 1★ (lower mid). Rating: 3★ (upper mid). Not Rated. Top rated. Rating: 3★ (upper mid). Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 21.09% (top quartile). 5Y return: 23.38% (top quartile). 5Y return: 19.47% (upper mid). 5Y return: 18.06% (lower mid). 5Y return: 15.50% (bottom quartile). 5Y return: 19.58% (upper mid). 5Y return: 19.56% (upper mid). 5Y return: 16.39% (bottom quartile). 5Y return: 16.96% (bottom quartile). 5Y return: 17.80% (lower mid). Point 6 3Y return: 20.40% (top quartile). 3Y return: 19.71% (top quartile). 3Y return: 15.22% (bottom quartile). 3Y return: 15.23% (bottom quartile). 3Y return: 18.65% (upper mid). 3Y return: 17.42% (upper mid). 3Y return: 16.28% (upper mid). 3Y return: 14.21% (bottom quartile). 3Y return: 15.65% (lower mid). 3Y return: 15.25% (lower mid). Point 7 1Y return: -6.65% (bottom quartile). 1Y return: -3.38% (bottom quartile). 1Y return: 2.92% (upper mid). 1Y return: 7.21% (top quartile). 1Y return: 3.37% (upper mid). 1Y return: 3.66% (upper mid). 1Y return: 1.58% (lower mid). 1Y return: 0.70% (bottom quartile). 1Y return: 5.45% (top quartile). 1Y return: 2.88% (lower mid). Point 8 1M return: -1.96% (bottom quartile). 1M return: -2.24% (bottom quartile). 1M return: 0.05% (top quartile). 1M return: 0.70% (top quartile). 1M return: -0.18% (upper mid). 1M return: -0.11% (upper mid). 1M return: -1.32% (bottom quartile). 1M return: -0.72% (lower mid). 1M return: -1.02% (lower mid). 1M return: -0.16% (upper mid). Point 9 Alpha: -7.43 (bottom quartile). Alpha: 0.00 (upper mid). Alpha: 0.00 (upper mid). Alpha: 6.44 (top quartile). Alpha: 0.00 (lower mid). Alpha: 1.29 (upper mid). Alpha: -0.36 (bottom quartile). Alpha: -1.51 (bottom quartile). Alpha: 2.89 (top quartile). Alpha: -0.16 (lower mid). Point 10 Sharpe: -0.92 (bottom quartile). Sharpe: -0.38 (lower mid). Sharpe: -0.28 (upper mid). Sharpe: 0.10 (top quartile). Sharpe: -0.27 (upper mid). Sharpe: -0.27 (upper mid). Sharpe: -0.42 (bottom quartile). Sharpe: -0.51 (bottom quartile). Sharpe: -0.08 (top quartile). Sharpe: -0.39 (lower mid). JM Equity Hybrid Fund
BOI AXA Mid and Small Cap Equity and Debt Fund
Kotak Equity Hybrid Fund
Bandhan Hybrid Equity Fund
UTI Multi Asset Fund
Edelweiss Multi Asset Allocation Fund
UTI Hybrid Equity Fund
BNP Paribas Substantial Equity Hybrid Fund
DSP Equity and Bond Fund
Franklin India Equity Hybrid Fund
चयन की प्रक्रियासर्वश्रेष्ठ म्युचुअल फंड निम्नानुसार हैं।
निवेश उद्देश्य: व्यक्ति किसी विशेष उद्देश्य को पूरा करने के लिए कोई भी निवेश करते हैं। इसलिए यह तय करना जरूरी है कि निवेश क्यों किया जा रहा है। कुछ उद्देश्य जिनके लिए व्यक्तिम्युचुअल फंड में निवेश घर खरीद रहे हैं, वाहन खरीद रहे हैं,सेवानिवृत्ति योजना, शादी की योजना बना रहे हैं, और भी बहुत कुछ।
कार्यकाल, अपेक्षित प्रतिफल, और जोखिम-भूख: एक बार जब आप निवेश का उद्देश्य निर्धारित कर लेते हैं, तो अगला कदम अपेक्षित रिटर्न और जोखिम-भूख के साथ निवेश की अवधि निर्धारित करना होता है। व्यक्तियों को यह तय करना चाहिए कि उन्हें किस अवधि तक निवेश करना है। कार्यकाल के साथ, व्यक्तियों को अपेक्षित रिटर्न और जोखिम-भूख की भी जांच करनी चाहिए। तीन मापदंडों को निर्धारित करने से आपको यह तय करने में मदद मिलेगी कि आप किस प्रकार की योजना में निवेश करना चुन सकते हैं।
म्यूचुअल फंड योजना के बारे में विवरण देखें: निवेश करने के लिए योजना का प्रकार तय करने के बाद, व्यक्तियों को योजना के बारे में समझना चाहिए। लोगों को योजना के विभिन्न पहलुओं की जांच करनी चाहिए जैसे कि फंड की आयु, उसका एयूएम या योजना का परिसंपत्ति का आकार, व्यय अनुपात और फंड का प्रदर्शन। इन मापदंडों के साथ, व्यक्तियों को योजना का प्रबंधन करने वाले फंड मैनेजर की साख की भी जांच करनी चाहिए।
फंड हाउस की साख की जाँच करें: म्यूचुअल फंड योजना के विवरण का आकलन करने के अलावा, व्यक्तियों को फंड हाउस या एसेट मैनेजमेंट कंपनी की साख की भी जांच करनी चाहिए (एएमसी) ऐसा इसलिए है, क्योंकि यह फंड हाउस है जो योजनाओं के प्रबंधन के लिए जिम्मेदार है। नतीजतन, फंड हाउस भी योजना के प्रदर्शन के लिए जिम्मेदार है।
नियमित रूप से अपने निवेश की समीक्षा करें: अभी - अभीनिवेश काफी नहीं है। व्यक्तियों को म्यूचुअल फंड में निवेश करने के बाद पीछे नहीं हटना चाहिए। उन्हें नियमित रूप से और समयबद्ध तरीके से अपने निवेश की समीक्षा करनी चाहिए ताकि वे अपने निवेश पर अधिकतम रिटर्न अर्जित कर सकें।