शीर्ष 10 सर्वश्रेष्ठ प्रदर्शन करने वाले क्षेत्रीय म्युचुअल फंड 2022

Updated on January 19, 2026 , 127429 views

की दुनिया मेंनिवेश, ऐसे निवेशक हैं जो 'हाई-रिस्क हाई-रिटर्न' निवेश में दृढ़ता से विश्वास करते हैं। और ऐसे उच्च जोखिम लेने वालों के लिए,म्यूचुअल फंड्स होल्ड पर कुछ है - सेक्टर फंड! सेक्टर म्युचुअल फंड एक विशेष क्षेत्र में निवेश करते हैं जैसा कि उनके निवेश उद्देश्य द्वारा परिभाषित किया गया है। इंफ्रा, फार्मा, बैंकिंग जैसे कुछ क्षेत्र लगातार बढ़ रहे हैं और भविष्य के लिए सकारात्मक दृष्टिकोण रखते हैं। हालांकि ऐसे म्युचुअल फंड आपके पैसे को दोगुना या परेशान कर सकते हैं, लेकिन उच्च-जोखिम उठाने का माद्दा सेक्टर फंड में निवेश कर सकते हैं। इस लेख में, आपको 2022 में निवेश करने के लिए सर्वश्रेष्ठ सेक्टर म्यूचुअल फंड के साथ-साथ सेक्टर फंड के बारे में कुछ विस्तृत जानकारी मिलेगी।

सेक्टर म्यूचुअल फंड में निवेश क्यों करें?

सेक्टर फंड एक प्रकार का म्यूचुअल फंड है जो विशिष्ट क्षेत्रों की प्रतिभूतियों में निवेश करता हैअर्थव्यवस्था, जैसे बैंकिंग, दूरसंचार, एफएमसीजी, फार्मास्युटिकल, सूचना प्रौद्योगिकी (आईटी), और बुनियादी ढांचा। दूसरे शब्दों में, सेक्टर फंड आपके निवेशित धन को केवल विशिष्ट उद्योग या क्षेत्र तक सीमित कर देते हैं। उदाहरण के लिए, एक बैंकिंग क्षेत्र का फंड बैंकों में निवेश कर सकता है और एक फार्मा फंड केवल फार्मा कंपनियों के शेयरों में निवेश कर सकता है। इन फंडों के फंड मैनेजर उन कंपनियों के शेयरों में पैसा लगाते हैं जो में अच्छा प्रदर्शन कर रही हैंमंडी. इस तरह के निवेश का समग्र उद्देश्य उन क्षेत्रों में निवेश करना है जिनमें निकट भविष्य में उच्च विकास क्षमता है।

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अगर निवेश का समय सही हो तो ये फंड वास्तव में एक बड़ा लाभ कमा सकते हैं। किसी को पता होना चाहिए कि फंड में कब प्रवेश करना है और कब बाहर निकलना है। निवेशकों को बाजार के उन क्षेत्रों में निवेश करना चाहिए जहां वे भविष्य में विकास के बारे में आश्वस्त हों या देखें। मुख्य विचार किसी विशेष उद्योग और क्षेत्र के विकास पर टैप-इन करना है। सेक्टर फंड का अन्य लाभ व्यक्तिगत फर्म-विशिष्ट जोखिम से आपकी रक्षा करने की क्षमता है। व्यक्तिगत स्टॉक खरीदने के बजाय, सेक्टर फंड में निवेश यह सुनिश्चित करेगा कि कंपनी का खराब प्रदर्शन आपके पोर्टफोलियो को प्रभावित नहीं करेगा।

लेकिन, इससे पहले कि आप किसी सेक्टर म्यूचुअल फंड में निवेश करें, आपको इस बात पर भरोसा होना चाहिए कि आप क्यों मानते हैं कि निकट भविष्य में सेक्टर के अच्छे प्रदर्शन की संभावना है।

वित्त वर्ष 22 - 23 में निवेश करने के लिए शीर्ष और सर्वश्रेष्ठ क्षेत्र म्युचुअल फंड

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Sundaram Rural and Consumption Fund Growth	₹91.7172 ↓ -0.41	₹1,584	-10	-6.1	-0.4	14.9	13.2	-0.1
Franklin Build India Fund Growth	₹136.738 ↓ -0.46	₹3,036	-5.4	-5.1	4.2	23.7	24	3.7
DSP Natural Resources and New Energy Fund Growth	₹100.529 ↓ -1.44	₹1,573	7.1	11.2	16.5	19.4	20.7	17.5
Bandhan Infrastructure Fund Growth	₹44.857 ↓ -0.23	₹1,522	-10.1	-12.9	-7.5	21.1	23.6	-6.9
Aditya Birla Sun Life Banking And Financial Services Fund Growth	₹62.86 ↓ -0.55	₹3,694	-0.1	1.6	20.1	15.4	14.4	17.5
Kotak Infrastructure & Economic Reform Fund Growth	₹61.134 ↓ -0.35	₹2,353	-7.8	-8.7	-3.1	17.8	23.1	-3.7
SBI Magnum COMMA Fund Growth	₹107.293 ↑ 0.09	₹863	0.6	1.1	12.2	16.4	17.4	12.3
SBI Consumption Opportunities Fund Growth	₹290.008 ↓ -0.92	₹3,162	-8.1	-7.1	-5.8	12.8	15.7	-6.3
Mirae Asset Great Consumer Fund Growth	₹88.893 ↓ -0.13	₹4,754	-9.4	-4.4	2.3	15.9	15.3	3.4
Nippon India Power and Infra Fund Growth	₹323.725 ↓ -1.80	₹7,117	-8.4	-7.3	-1.3	22.7	24.2	-0.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 21 Jan 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	Sundaram Rural and Consumption Fund	Franklin Build India Fund	DSP Natural Resources and New Energy Fund	Bandhan Infrastructure Fund	Aditya Birla Sun Life Banking And Financial Services Fund	Kotak Infrastructure & Economic Reform Fund	SBI Magnum COMMA Fund	SBI Consumption Opportunities Fund	Mirae Asset Great Consumer Fund	Nippon India Power and Infra Fund
Point 1	Lower mid AUM (₹1,584 Cr).	Upper mid AUM (₹3,036 Cr).	Bottom quartile AUM (₹1,573 Cr).	Bottom quartile AUM (₹1,522 Cr).	Upper mid AUM (₹3,694 Cr).	Lower mid AUM (₹2,353 Cr).	Bottom quartile AUM (₹863 Cr).	Upper mid AUM (₹3,162 Cr).	Top quartile AUM (₹4,754 Cr).	Highest AUM (₹7,117 Cr).
Point 2	Established history (19+ yrs).	Established history (16+ yrs).	Established history (17+ yrs).	Established history (14+ yrs).	Established history (12+ yrs).	Established history (17+ yrs).	Established history (20+ yrs).	Established history (13+ yrs).	Established history (14+ yrs).	Oldest track record among peers (21 yrs).
Point 3	Top rated.	Rating: 5★ (top quartile).	Rating: 5★ (upper mid).	Rating: 5★ (upper mid).	Rating: 5★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: High.	Risk profile: High.	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: 13.23% (bottom quartile).	5Y return: 24.04% (top quartile).	5Y return: 20.70% (upper mid).	5Y return: 23.55% (upper mid).	5Y return: 14.36% (bottom quartile).	5Y return: 23.09% (upper mid).	5Y return: 17.38% (lower mid).	5Y return: 15.74% (lower mid).	5Y return: 15.34% (bottom quartile).	5Y return: 24.17% (top quartile).
Point 6	3Y return: 14.88% (bottom quartile).	3Y return: 23.72% (top quartile).	3Y return: 19.40% (upper mid).	3Y return: 21.14% (upper mid).	3Y return: 15.40% (bottom quartile).	3Y return: 17.80% (upper mid).	3Y return: 16.36% (lower mid).	3Y return: 12.75% (bottom quartile).	3Y return: 15.91% (lower mid).	3Y return: 22.74% (top quartile).
Point 7	1Y return: -0.38% (lower mid).	1Y return: 4.25% (upper mid).	1Y return: 16.50% (top quartile).	1Y return: -7.54% (bottom quartile).	1Y return: 20.05% (top quartile).	1Y return: -3.14% (bottom quartile).	1Y return: 12.15% (upper mid).	1Y return: -5.79% (bottom quartile).	1Y return: 2.27% (upper mid).	1Y return: -1.30% (lower mid).
Point 8	Alpha: -8.82 (lower mid).	Alpha: 0.00 (top quartile).	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: -1.32 (upper mid).	Alpha: -18.36 (bottom quartile).	Alpha: -4.27 (upper mid).	Alpha: -15.33 (bottom quartile).	Alpha: -5.48 (lower mid).	Alpha: -15.06 (bottom quartile).
Point 9	Sharpe: -0.38 (bottom quartile).	Sharpe: -0.05 (upper mid).	Sharpe: 0.74 (top quartile).	Sharpe: -0.43 (bottom quartile).	Sharpe: 0.84 (top quartile).	Sharpe: -0.27 (lower mid).	Sharpe: 0.43 (upper mid).	Sharpe: -0.77 (bottom quartile).	Sharpe: -0.11 (upper mid).	Sharpe: -0.20 (lower mid).
Point 10	Information ratio: -0.52 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.25 (top quartile).	Information ratio: -0.25 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: -0.70 (bottom quartile).	Information ratio: -0.38 (bottom quartile).	Information ratio: 0.34 (top quartile).

Sundaram Rural and Consumption Fund

Lower mid AUM (₹1,584 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 13.23% (bottom quartile).
3Y return: 14.88% (bottom quartile).
1Y return: -0.38% (lower mid).
Alpha: -8.82 (lower mid).
Sharpe: -0.38 (bottom quartile).
Information ratio: -0.52 (bottom quartile).

Franklin Build India Fund

Upper mid AUM (₹3,036 Cr).
Established history (16+ yrs).
Rating: 5★ (top quartile).
Risk profile: High.
5Y return: 24.04% (top quartile).
3Y return: 23.72% (top quartile).
1Y return: 4.25% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: -0.05 (upper mid).
Information ratio: 0.00 (upper mid).

DSP Natural Resources and New Energy Fund

Bottom quartile AUM (₹1,573 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 20.70% (upper mid).
3Y return: 19.40% (upper mid).
1Y return: 16.50% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.74 (top quartile).
Information ratio: 0.00 (upper mid).

Bandhan Infrastructure Fund

Bottom quartile AUM (₹1,522 Cr).
Established history (14+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 23.55% (upper mid).
3Y return: 21.14% (upper mid).
1Y return: -7.54% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.43 (bottom quartile).
Information ratio: 0.00 (upper mid).

Aditya Birla Sun Life Banking And Financial Services Fund

Upper mid AUM (₹3,694 Cr).
Established history (12+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 14.36% (bottom quartile).
3Y return: 15.40% (bottom quartile).
1Y return: 20.05% (top quartile).
Alpha: -1.32 (upper mid).
Sharpe: 0.84 (top quartile).
Information ratio: 0.25 (top quartile).

Kotak Infrastructure & Economic Reform Fund

Lower mid AUM (₹2,353 Cr).
Established history (17+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 23.09% (upper mid).
3Y return: 17.80% (upper mid).
1Y return: -3.14% (bottom quartile).
Alpha: -18.36 (bottom quartile).
Sharpe: -0.27 (lower mid).
Information ratio: -0.25 (lower mid).

SBI Magnum COMMA Fund

Bottom quartile AUM (₹863 Cr).
Established history (20+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 17.38% (lower mid).
3Y return: 16.36% (lower mid).
1Y return: 12.15% (upper mid).
Alpha: -4.27 (upper mid).
Sharpe: 0.43 (upper mid).
Information ratio: 0.00 (lower mid).

SBI Consumption Opportunities Fund

Upper mid AUM (₹3,162 Cr).
Established history (13+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: High.
5Y return: 15.74% (lower mid).
3Y return: 12.75% (bottom quartile).
1Y return: -5.79% (bottom quartile).
Alpha: -15.33 (bottom quartile).
Sharpe: -0.77 (bottom quartile).
Information ratio: -0.70 (bottom quartile).

Mirae Asset Great Consumer Fund

Top quartile AUM (₹4,754 Cr).
Established history (14+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: High.
5Y return: 15.34% (bottom quartile).
3Y return: 15.91% (lower mid).
1Y return: 2.27% (upper mid).
Alpha: -5.48 (lower mid).
Sharpe: -0.11 (upper mid).
Information ratio: -0.38 (bottom quartile).

Nippon India Power and Infra Fund

Highest AUM (₹7,117 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (bottom quartile).
Risk profile: High.
5Y return: 24.17% (top quartile).
3Y return: 22.74% (top quartile).
1Y return: -1.30% (lower mid).
Alpha: -15.06 (bottom quartile).
Sharpe: -0.20 (lower mid).
Information ratio: 0.34 (top quartile).

*एयूएम/नेट एसेट्स वाले बेस्ट सेक्टोरियल म्यूचुअल फंड्स की सूची>100 करोड़.

1. Sundaram Rural and Consumption Fund

(Erstwhile Sundaram Rural India Fund)

The primary investment objective of the scheme is to generate consistent long-term returns by investing predominantly in equity & equity related instruments of companies that are focusing on Rural India.

Research Highlights for Sundaram Rural and Consumption Fund

Lower mid AUM (₹1,584 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 13.23% (bottom quartile).
3Y return: 14.88% (bottom quartile).
1Y return: -0.38% (lower mid).
Alpha: -8.82 (lower mid).
Sharpe: -0.38 (bottom quartile).
Information ratio: -0.52 (bottom quartile).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Bharti Airtel Ltd (~10.8%).

Below is the key information for Sundaram Rural and Consumption Fund

Sundaram Rural and Consumption Fund Growth
Launch Date	12 May 06
NAV (21 Jan 26)	₹91.7172 ↓ -0.41 (-0.45 %)
Net Assets (Cr)	₹1,584 on 31 Dec 25
Category	Equity - Sectoral
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	2.18
Sharpe Ratio	-0.38
Information Ratio	-0.52
Alpha Ratio	-8.82
Min Investment	5,000
Min SIP Investment	100
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	₹11,935
31 Dec 22	₹13,050
31 Dec 23	₹16,998
31 Dec 24	₹20,413
31 Dec 25	₹20,399

Sundaram Rural and Consumption Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for Sundaram Rural and Consumption Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26

Duration	Returns
1 Month	-5.5%
3 Month	-10%
6 Month	-6.1%
1 Year	-0.4%
3 Year	14.9%
5 Year	13.2%
10 Year
15 Year
Since launch	11.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-0.1%
2023	20.1%
2022	30.2%
2021	9.3%
2020	19.3%
2019	13.5%
2018	2.7%
2017	-7.8%
2016	38.7%
2015	21.1%

Fund Manager information for Sundaram Rural and Consumption Fund

Name	Since	Tenure
Ratish Varier	1 Jan 22	4 Yr.

Data below for Sundaram Rural and Consumption Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	46.69%
Consumer Defensive	28.55%
Communication Services	12.61%
Health Care	3.72%
Financial Services	3.1%
Real Estate	1.96%
Basic Materials	1.68%
Industrials	0.53%

Asset Allocation

Asset Class	Value
Cash	1.17%
Equity	98.83%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 22 \| BHARTIARTL	11%	₹171 Cr	810,559
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Apr 22 \| M&M	10%	₹157 Cr	423,056
ITC Ltd (Consumer Defensive) Equity, Since 31 Jul 13 \| ITC	8%	₹124 Cr	3,085,016
Hindustan Unilever Ltd (Consumer Defensive) Equity, Since 30 Apr 16 \| HINDUNILVR	7%	₹103 Cr	446,824
Titan Co Ltd (Consumer Cyclical) Equity, Since 29 Feb 20 \| TITAN	5%	₹86 Cr	212,692
Eternal Ltd (Consumer Cyclical) Equity, Since 31 May 24 \| 543320	5%	₹80 Cr	2,892,836
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Jul 12 \| MARUTI	4%	₹71 Cr	42,610 ↑ 2,366
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 31 Jul 22 \| APOLLOHOSP	4%	₹59 Cr	83,568 ↑ 4,541
Nestle India Ltd (Consumer Defensive) Equity, Since 30 Jun 16 \| NESTLEIND	4%	₹57 Cr	443,054
Trent Ltd (Consumer Cyclical) Equity, Since 29 Feb 24 \| 500251	3%	₹50 Cr	116,393 ↑ 11,623

2. Franklin Build India Fund

The Scheme seeks to achieve capital appreciation by investing in companies engaged directly or indirectly in infrastructure related activities.

Research Highlights for Franklin Build India Fund

Upper mid AUM (₹3,036 Cr).
Established history (16+ yrs).
Rating: 5★ (top quartile).
Risk profile: High.
5Y return: 24.04% (top quartile).
3Y return: 23.72% (top quartile).
1Y return: 4.25% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: -0.05 (upper mid).
Information ratio: 0.00 (upper mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding Larsen & Toubro Ltd (~8.9%).

Below is the key information for Franklin Build India Fund

Franklin Build India Fund Growth
Launch Date	4 Sep 09
NAV (21 Jan 26)	₹136.738 ↓ -0.46 (-0.34 %)
Net Assets (Cr)	₹3,036 on 31 Dec 25
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	2.01
Sharpe Ratio	-0.05
Information Ratio	0
Alpha Ratio	0
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	₹14,590
31 Dec 22	₹16,231
31 Dec 23	₹24,526
31 Dec 24	₹31,348
31 Dec 25	₹32,504

Franklin Build India 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 Franklin Build India Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26

Duration	Returns
1 Month	-3.5%
3 Month	-5.4%
6 Month	-5.1%
1 Year	4.2%
3 Year	23.7%
5 Year	24%
10 Year
15 Year
Since launch	17.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	3.7%
2023	27.8%
2022	51.1%
2021	11.2%
2020	45.9%
2019	5.4%
2018	6%
2017	-10.7%
2016	43.3%
2015	8.4%

Fund Manager information for Franklin Build India Fund

Name	Since	Tenure
Ajay Argal	18 Oct 21	4.21 Yr.
Kiran Sebastian	7 Feb 22	3.9 Yr.
Sandeep Manam	18 Oct 21	4.21 Yr.

Data below for Franklin Build India Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	35%
Financial Services	15.02%
Utility	14.66%
Energy	13.57%
Communication Services	8.21%
Basic Materials	5.21%
Real Estate	2.63%
Consumer Cyclical	1.58%
Technology	1.15%

Asset Allocation

Asset Class	Value
Cash	2.97%
Equity	97.03%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 29 Feb 20 \| LT	9%	₹272 Cr	665,000
Reliance Industries Ltd (Energy) Equity, Since 31 Oct 21 \| RELIANCE	6%	₹188 Cr	1,200,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 29 Feb 20 \| INDIGO	5%	₹165 Cr	325,341 ↑ 10,341
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 30 Jun 19 \| 500312	5%	₹164 Cr	6,825,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 09 \| BHARTIARTL	5%	₹149 Cr	710,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 25 \| HDFCBANK	5%	₹149 Cr	1,500,000
NTPC Ltd (Utilities) Equity, Since 30 Nov 16 \| 532555	5%	₹143 Cr	4,350,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 12 \| 532215	4%	₹127 Cr	1,000,000
State Bank of India (Financial Services) Equity, Since 31 Jul 14 \| SBIN	3%	₹98 Cr	1,000,000
GAIL (India) Ltd (Utilities) Equity, Since 31 Jan 25 \| 532155	3%	₹96 Cr	5,600,000

3. DSP Natural Resources and New Energy Fund

To seek to generate capital appreciation and provide long term growth opportunities by investing in equity and equity related securities of companies domiciled in India whose predominant economic activity is in the (a) discovery, development, production, or distribution of natural resources, viz., energy, mining etc; (b) alternative energy and energy technology sectors, with emphasis given to renewable energy, automotive and on-site power generation, energy storage and enabling energy technologies. also invest a certain portion of its corpus in the equity and equity related securities of companies domiciled overseas, which are principally engaged in the discovery, development, production or distribution of natural resources and alternative energy and/or the units shares of Merrill Lynch international Investment Funds New Energy Fund, Merrill Lynch International Investment Funds World Energy Fund and similar other overseas mutual fund schemes.

Research Highlights for DSP Natural Resources and New Energy Fund

Bottom quartile AUM (₹1,573 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 20.70% (upper mid).
3Y return: 19.40% (upper mid).
1Y return: 16.50% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.74 (top quartile).
Information ratio: 0.00 (upper mid).
Higher exposure to Energy vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~93%).
Largest holding Jindal Steel Ltd (~9.1%).

Below is the key information for DSP Natural Resources and New Energy Fund

DSP Natural Resources and New Energy Fund Growth
Launch Date	25 Apr 08
NAV (20 Jan 26)	₹100.529 ↓ -1.44 (-1.41 %)
Net Assets (Cr)	₹1,573 on 31 Dec 25
Category	Equity - Sectoral
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.99
Sharpe Ratio	0.74
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	₹14,280
31 Dec 22	₹15,680
31 Dec 23	₹20,570
31 Dec 24	₹23,429
31 Dec 25	₹27,530

DSP Natural Resources and New Energy Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 Invest Now

Returns for DSP Natural Resources and New Energy Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26

Duration	Returns
1 Month	4.3%
3 Month	7.1%
6 Month	11.2%
1 Year	16.5%
3 Year	19.4%
5 Year	20.7%
10 Year
15 Year
Since launch	13.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	17.5%
2023	13.9%
2022	31.2%
2021	9.8%
2020	42.8%
2019	11.5%
2018	4.4%
2017	-15.3%
2016	43.1%
2015	43.1%

Fund Manager information for DSP Natural Resources and New Energy Fund

Name	Since	Tenure
Rohit Singhania	1 Jul 12	13.51 Yr.

Data below for DSP Natural Resources and New Energy Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Energy	41.42%
Basic Materials	40.58%
Utility	8.34%
Industrials	1.69%
Technology	1.36%
Consumer Cyclical	0.07%

Asset Allocation

Asset Class	Value
Cash	6.54%
Equity	93.45%
Debt	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Jindal Steel Ltd (Basic Materials) Equity, Since 31 Mar 20 \| 532286	9%	₹143 Cr	1,356,666 ↑ 112,479
Tata Steel Ltd (Basic Materials) Equity, Since 31 Aug 16 \| TATASTEEL	9%	₹142 Cr	7,896,586 ↑ 440,344
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 31 May 20 \| 500312	9%	₹139 Cr	5,798,165 ↑ 327,603
BGF World Energy I2 Investment Fund \| -	7%	₹109 Cr	388,303 ↑ 53,433
Hindustan Zinc Ltd (Basic Materials) Equity, Since 31 Mar 09 \| 500188	5%	₹82 Cr	1,346,373 ↓ -170,030
National Aluminium Co Ltd (Basic Materials) Equity, Since 28 Feb 22 \| 532234	5%	₹77 Cr	2,439,055
Hindalco Industries Ltd (Basic Materials) Equity, Since 31 Oct 15 \| HINDALCO	5%	₹73 Cr	818,691 ↓ -134,099
BGF Sustainable Energy I2 Investment Fund \| -	5%	₹72 Cr	330,203 ↓ -113,271
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 08 \| 500547	4%	₹69 Cr	1,794,387 ↓ -204,474
Oil India Ltd (Energy) Equity, Since 29 Feb 24 \| OIL	4%	₹68 Cr	1,591,348 ↑ 186,088

4. Bandhan Infrastructure Fund

The investment objective of the scheme is to seek to generate long-term capital growth through an active diversified portfolio of predominantly equity and equity related instruments of companies that are participating in and benefiting from growth in Indian infrastructure and infrastructural related activities. However, there can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for Bandhan Infrastructure Fund

Bottom quartile AUM (₹1,522 Cr).
Established history (14+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 23.55% (upper mid).
3Y return: 21.14% (upper mid).
1Y return: -7.54% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.43 (bottom quartile).
Information ratio: 0.00 (upper mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding Larsen & Toubro Ltd (~5.4%).

Below is the key information for Bandhan Infrastructure Fund

Bandhan Infrastructure Fund Growth
Launch Date	8 Mar 11
NAV (21 Jan 26)	₹44.857 ↓ -0.23 (-0.51 %)
Net Assets (Cr)	₹1,522 on 31 Dec 25
Category	Equity - Sectoral
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	2.1
Sharpe Ratio	-0.43
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹16,484
31 Dec 22	₹16,758
31 Dec 23	₹25,188
31 Dec 24	₹35,093
31 Dec 25	₹32,662

Bandhan Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623 Invest Now

Returns for Bandhan 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 21 Jan 26

Duration	Returns
1 Month	-5.9%
3 Month	-10.1%
6 Month	-12.9%
1 Year	-7.5%
3 Year	21.1%
5 Year	23.6%
10 Year
15 Year
Since launch	10.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-6.9%
2023	39.3%
2022	50.3%
2021	1.7%
2020	64.8%
2019	6.3%
2018	-5.3%
2017	-25.9%
2016	58.7%
2015	10.7%

Fund Manager information for Bandhan Infrastructure Fund

Name	Since	Tenure
Vishal Biraia	24 Jan 24	1.94 Yr.
Ritika Behera	7 Oct 23	2.24 Yr.
Gaurav Satra	7 Jun 24	1.57 Yr.

Data below for Bandhan Infrastructure Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	54.05%
Utility	12.45%
Basic Materials	7.77%
Communication Services	4.75%
Energy	4.62%
Technology	3.92%
Financial Services	2.73%
Health Care	2.55%
Real Estate	1.33%
Consumer Cyclical	0.65%

Asset Allocation

Asset Class	Value
Cash	5.17%
Equity	94.83%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 29 Feb 12 \| LT	5%	₹82 Cr	201,193 ↓ -2,857
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 19 \| BHARTIARTL	5%	₹72 Cr	343,670 ↓ -4,881
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 24 \| RELIANCE	5%	₹70 Cr	447,851
Kirloskar Brothers Ltd (Industrials) Equity, Since 31 Dec 17 \| KIRLOSBROS	4%	₹68 Cr	420,795 ↓ -5,977
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Aug 24 \| INDIGO	4%	₹60 Cr	118,992 ↑ 29,641
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Mar 14 \| 532538	4%	₹58 Cr	49,239
Bharat Electronics Ltd (Industrials) Equity, Since 31 Oct 19 \| BEL	4%	₹56 Cr	1,396,506 ↓ -19,837
GPT Infraprojects Ltd (Industrials) Equity, Since 30 Nov 17 \| GPTINFRA	3%	₹53 Cr	4,733,244
Ahluwalia Contracts (India) Ltd (Industrials) Equity, Since 30 Apr 15 \| AHLUCONT	3%	₹44 Cr	451,235 ↓ -6,409
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 Dec 23 \| ADANIPORTS	3%	₹44 Cr	299,244 ↓ -4,250

5. Aditya Birla Sun Life Banking And Financial Services Fund

The primary investment objective of the Scheme is to generate long-term capital appreciation to unit holders from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes’ objectives will be achieved.

Research Highlights for Aditya Birla Sun Life Banking And Financial Services Fund

Upper mid AUM (₹3,694 Cr).
Established history (12+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 14.36% (bottom quartile).
3Y return: 15.40% (bottom quartile).
1Y return: 20.05% (top quartile).
Alpha: -1.32 (upper mid).
Sharpe: 0.84 (top quartile).
Information ratio: 0.25 (top quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~17.0%).
Top-3 holdings concentration ~39.4%.

Below is the key information for Aditya Birla Sun Life Banking And Financial Services Fund

Aditya Birla Sun Life Banking And Financial Services Fund Growth
Launch Date	14 Dec 13
NAV (21 Jan 26)	₹62.86 ↓ -0.55 (-0.87 %)
Net Assets (Cr)	₹3,694 on 31 Dec 25
Category	Equity - Sectoral
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.99
Sharpe Ratio	0.84
Information Ratio	0.25
Alpha Ratio	-1.32
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹11,681
31 Dec 22	₹13,020
31 Dec 23	₹15,852
31 Dec 24	₹17,234
31 Dec 25	₹20,248

Aditya Birla Sun Life Banking And Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for Aditya Birla Sun Life Banking And Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26

Duration	Returns
1 Month	-1.7%
3 Month	-0.1%
6 Month	1.6%
1 Year	20.1%
3 Year	15.4%
5 Year	14.4%
10 Year
15 Year
Since launch	16.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	17.5%
2023	8.7%
2022	21.7%
2021	11.5%
2020	16.8%
2019	1.1%
2018	14.9%
2017	-2.4%
2016	47.6%
2015	15.7%

Fund Manager information for Aditya Birla Sun Life Banking And Financial Services Fund

Name	Since	Tenure
Dhaval Gala	26 Aug 15	10.36 Yr.

Data below for Aditya Birla Sun Life Banking And Financial Services Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	97.16%
Technology	1.05%

Asset Allocation

Asset Class	Value
Cash	1.79%
Equity	98.21%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| 532174	17%	₹628 Cr	4,677,929
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| HDFCBANK	15%	₹536 Cr	5,408,496 ↓ -250,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| 532215	8%	₹292 Cr	2,302,100
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Sep 16 \| 500034	6%	₹211 Cr	2,137,250
State Bank of India (Financial Services) Equity, Since 31 Oct 17 \| SBIN	5%	₹188 Cr	1,918,689 ↓ -700,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 19 \| KOTAKBANK	4%	₹156 Cr	709,333
AU Small Finance Bank Ltd (Financial Services) Equity, Since 30 Nov 23 \| 540611	4%	₹134 Cr	1,346,861
Shriram Finance Ltd (Financial Services) Equity, Since 30 Jun 23 \| SHRIRAMFIN	3%	₹119 Cr	1,198,382
ICICI Lombard General Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 19 \| ICICIGI	3%	₹111 Cr	565,076
Cholamandalam Financial Holdings Ltd (Financial Services) Equity, Since 31 Jan 20 \| CHOLAHLDNG	3%	₹95 Cr	521,504 ↓ -60,084

6. Kotak Infrastructure & Economic Reform Fund

The investment objective of the Scheme is to generate long-term capital appreciation from a diversified portfolio of predominantly (at least 65%) equity and equity-related securities of companies involved in economic development of India as a result of potential investments in infrastructure and unfolding economic reforms.

Research Highlights for Kotak Infrastructure & Economic Reform Fund

Lower mid AUM (₹2,353 Cr).
Established history (17+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 23.09% (upper mid).
3Y return: 17.80% (upper mid).
1Y return: -3.14% (bottom quartile).
Alpha: -18.36 (bottom quartile).
Sharpe: -0.27 (lower mid).
Information ratio: -0.25 (lower mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~100%).
Largest holding Larsen & Toubro Ltd (~9.7%).

Below is the key information for Kotak Infrastructure & Economic Reform Fund

Kotak Infrastructure & Economic Reform Fund Growth
Launch Date	25 Feb 08
NAV (21 Jan 26)	₹61.134 ↓ -0.35 (-0.56 %)
Net Assets (Cr)	₹2,353 on 31 Dec 25
Category	Equity - Sectoral
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	High
Expense Ratio	2.01
Sharpe Ratio	-0.27
Information Ratio	-0.25
Alpha Ratio	-18.36
Min Investment	5,000
Min SIP Investment	1,000
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	₹15,733
31 Dec 22	₹18,184
31 Dec 23	₹24,959
31 Dec 24	₹33,053
31 Dec 25	₹31,828

Kotak Infrastructure & Economic Reform Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623 Invest Now

Returns for Kotak Infrastructure & Economic Reform Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26

Duration	Returns
1 Month	-5.3%
3 Month	-7.8%
6 Month	-8.7%
1 Year	-3.1%
3 Year	17.8%
5 Year	23.1%
10 Year
15 Year
Since launch	10.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-3.7%
2023	32.4%
2022	37.3%
2021	15.6%
2020	57.3%
2019	3.4%
2018	3.6%
2017	-19.6%
2016	45.3%
2015	9.2%

Fund Manager information for Kotak Infrastructure & Economic Reform Fund

Name	Since	Tenure
Nalin Bhatt	1 Oct 23	2.25 Yr.

Data below for Kotak Infrastructure & Economic Reform Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	48.41%
Basic Materials	12.23%
Communication Services	10.76%
Consumer Cyclical	10.25%
Energy	7.1%
Financial Services	2.99%
Utility	2.69%
Technology	2.25%
Real Estate	2.07%
Health Care	0.77%

Asset Allocation

Asset Class	Value
Cash	0.47%
Equity	99.53%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 28 Feb 15 \| LT	10%	₹228 Cr	558,000 ↑ 99,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 20 \| BHARTIARTL	7%	₹159 Cr	755,000 ↓ -45,000
Reliance Industries Ltd (Energy) Equity, Since 31 Mar 25 \| RELIANCE	6%	₹136 Cr	864,000
Indus Towers Ltd Ordinary Shares (Communication Services) Equity, Since 31 Jul 25 \| 534816	4%	₹94 Cr	2,250,000 ↑ 360,000
VST Tillers Tractors Ltd (Industrials) Equity, Since 30 Apr 24 \| VSTTILLERS	3%	₹82 Cr	130,659
Kalpataru Projects International Ltd (Industrials) Equity, Since 31 Aug 17 \| KPIL	3%	₹76 Cr	630,000
Shree Cement Ltd (Basic Materials) Equity, Since 31 Dec 11 \| 500387	3%	₹72 Cr	27,000
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Mar 15 \| 532538	3%	₹71 Cr	60,000
Solar Industries India Ltd (Basic Materials) Equity, Since 31 Oct 15 \| SOLARINDS	3%	₹66 Cr	54,000
Cummins India Ltd (Industrials) Equity, Since 30 Sep 12 \| 500480	3%	₹65 Cr	145,800 ↓ -14,200

7. SBI Magnum COMMA Fund

To generate opportunities for growth along with possibility of consistent returns by investing predominantly in a portfolio of stocks of companies engaged in the commodity business within the following sectors - Oil & Gas, Metals, Materials & Agriculture and in debt & money market instruments.

Research Highlights for SBI Magnum COMMA Fund

Bottom quartile AUM (₹863 Cr).
Established history (20+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 17.38% (lower mid).
3Y return: 16.36% (lower mid).
1Y return: 12.15% (upper mid).
Alpha: -4.27 (upper mid).
Sharpe: 0.43 (upper mid).
Information ratio: 0.00 (lower mid).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding Tata Steel Ltd (~8.9%).

Below is the key information for SBI Magnum COMMA Fund

SBI Magnum COMMA Fund Growth
Launch Date	8 Aug 05
NAV (21 Jan 26)	₹107.293 ↑ 0.09 (0.08 %)
Net Assets (Cr)	₹863 on 31 Dec 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	High
Expense Ratio	2.58
Sharpe Ratio	0.43
Information Ratio	0
Alpha Ratio	-4.27
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	₹15,200
31 Dec 22	₹14,203
31 Dec 23	₹18,795
31 Dec 24	₹20,763
31 Dec 25	₹23,322

SBI Magnum COMMA Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 Invest Now

Returns for SBI Magnum COMMA Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26

Duration	Returns
1 Month	1%
3 Month	0.6%
6 Month	1.1%
1 Year	12.2%
3 Year	16.4%
5 Year	17.4%
10 Year
15 Year
Since launch	12.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	12.3%
2023	10.5%
2022	32.3%
2021	-6.6%
2020	52%
2019	23.9%
2018	11.8%
2017	-18.7%
2016	39.2%
2015	32.3%

Fund Manager information for SBI Magnum COMMA Fund

Name	Since	Tenure
Dinesh Balachandran	1 Jun 24	1.59 Yr.

Data below for SBI Magnum COMMA Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Basic Materials	52.1%
Energy	24.77%
Utility	9.86%
Consumer Defensive	3.79%
Consumer Cyclical	2.79%
Financial Services	1.71%

Asset Allocation

Asset Class	Value
Cash	4.64%
Equity	95.03%
Debt	0.33%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tata Steel Ltd (Basic Materials) Equity, Since 30 Apr 11 \| TATASTEEL	9%	₹77 Cr	4,276,000 ↑ 500,000
Reliance Industries Ltd (Energy) Equity, Since 28 Feb 07 \| RELIANCE	8%	₹67 Cr	424,732
Indian Oil Corp Ltd (Energy) Equity, Since 29 Feb 24 \| IOC	5%	₹42 Cr	2,500,000
Vedanta Ltd (Basic Materials) Equity, Since 30 Apr 24 \| 500295	5%	₹41 Cr	675,000
UltraTech Cement Ltd (Basic Materials) Equity, Since 30 Jun 18 \| 532538	5%	₹40 Cr	34,000
JSW Steel Ltd (Basic Materials) Equity, Since 31 May 24 \| JSWSTEEL	4%	₹35 Cr	300,000 ↑ 100,000
CESC Ltd (Utilities) Equity, Since 30 Sep 24 \| CESC	4%	₹35 Cr	2,070,000
Steel Authority Of India Ltd (Basic Materials) Equity, Since 29 Feb 24 \| SAIL	4%	₹35 Cr	2,350,000
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 31 May 20 \| 500312	4%	₹34 Cr	1,400,000
Hindustan Petroleum Corp Ltd (Energy) Equity, Since 31 May 24 \| HINDPETRO	3%	₹30 Cr	600,000

8. SBI Consumption Opportunities Fund

(Erstwhile SBI FMCG Fund)

To provide the investors maximum growth opportunity through equity investments in stocks of growth oriented sectors of the economy.

Research Highlights for SBI Consumption Opportunities Fund

Upper mid AUM (₹3,162 Cr).
Established history (13+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: High.
5Y return: 15.74% (lower mid).
3Y return: 12.75% (bottom quartile).
1Y return: -5.79% (bottom quartile).
Alpha: -15.33 (bottom quartile).
Sharpe: -0.77 (bottom quartile).
Information ratio: -0.70 (bottom quartile).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
High-quality debt (AAA/AA ~100%).
Largest holding Bharti Airtel Ltd (~6.6%).

Below is the key information for SBI Consumption Opportunities Fund

SBI Consumption Opportunities Fund Growth
Launch Date	2 Jan 13
NAV (21 Jan 26)	₹290.008 ↓ -0.92 (-0.32 %)
Net Assets (Cr)	₹3,162 on 31 Dec 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	High
Expense Ratio	2
Sharpe Ratio	-0.77
Information Ratio	-0.7
Alpha Ratio	-15.33
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-15 Days (0.5%),15 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹13,557
31 Dec 22	₹15,436
31 Dec 23	₹20,054
31 Dec 24	₹24,631
31 Dec 25	₹23,080

SBI Consumption Opportunities Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 Invest Now

Returns for SBI Consumption Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26

Duration	Returns
1 Month	-5.7%
3 Month	-8.1%
6 Month	-7.1%
1 Year	-5.8%
3 Year	12.8%
5 Year	15.7%
10 Year
15 Year
Since launch	14.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-6.3%
2023	22.8%
2022	29.9%
2021	13.9%
2020	35.6%
2019	13.9%
2018	0.1%
2017	-2%
2016	53.1%
2015	2.4%

Fund Manager information for SBI Consumption Opportunities Fund

Name	Since	Tenure
Pradeep Kesavan	1 Apr 24	1.75 Yr.
Ashit Desai	1 Apr 24	1.75 Yr.

Data below for SBI Consumption Opportunities Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	46.81%
Consumer Defensive	26.13%
Basic Materials	8.45%
Industrials	6.87%
Communication Services	6.59%
Financial Services	1.49%
Technology	1.44%

Asset Allocation

Asset Class	Value
Cash	1.65%
Equity	98.23%
Debt	0.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 20 \| BHARTIARTL	7%	₹208 Cr	990,000
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 Jul 21 \| M&M	5%	₹169 Cr	455,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Jan 20 \| MARUTI	5%	₹160 Cr	96,100
Eicher Motors Ltd (Consumer Cyclical) Equity, Since 31 Oct 24 \| EICHERMOT	5%	₹143 Cr	195,956
Asian Paints Ltd (Basic Materials) Equity, Since 30 Jun 25 \| 500820	4%	₹141 Cr	509,000
Britannia Industries Ltd (Consumer Defensive) Equity, Since 30 Sep 20 \| 500825	4%	₹134 Cr	222,499
Jubilant Foodworks Ltd (Consumer Cyclical) Equity, Since 30 Sep 23 \| JUBLFOOD	4%	₹133 Cr	2,386,850
Berger Paints India Ltd (Basic Materials) Equity, Since 30 Jun 24 \| 509480	4%	₹126 Cr	2,350,172
Hindustan Unilever Ltd (Consumer Defensive) Equity, Since 31 May 22 \| HINDUNILVR	4%	₹122 Cr	527,132 ↓ -75,000
Titan Co Ltd (Consumer Cyclical) Equity, Since 30 Jun 24 \| TITAN	4%	₹112 Cr	277,500

9. Mirae Asset Great Consumer Fund

The investment objective of the scheme is to generate long term capital appreciation by investing in a portfolio of companies/funds that are likely to benefit either directly or indirectly from consumption led demand in India. The Scheme does not guarantee or assure any returns

Research Highlights for Mirae Asset Great Consumer Fund

Top quartile AUM (₹4,754 Cr).
Established history (14+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: High.
5Y return: 15.34% (bottom quartile).
3Y return: 15.91% (lower mid).
1Y return: 2.27% (upper mid).
Alpha: -5.48 (lower mid).
Sharpe: -0.11 (upper mid).
Information ratio: -0.38 (bottom quartile).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding ITC Ltd (~9.6%).

Below is the key information for Mirae Asset Great Consumer Fund

Mirae Asset Great Consumer Fund Growth
Launch Date	29 Mar 11
NAV (21 Jan 26)	₹88.893 ↓ -0.13 (-0.14 %)
Net Assets (Cr)	₹4,754 on 31 Dec 25
Category	Equity - Sectoral
AMC	Mirae Asset Global Inv (India) Pvt. Ltd
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.16
Sharpe Ratio	-0.11
Information Ratio	-0.38
Alpha Ratio	-5.48
Min Investment	5,000
Min SIP Investment	1,000
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	₹13,305
31 Dec 22	₹14,267
31 Dec 23	₹18,957
31 Dec 24	₹22,217
31 Dec 25	₹22,968

Mirae Asset Great Consumer Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 Invest Now

Returns for Mirae Asset Great Consumer Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26

Duration	Returns
1 Month	-5.9%
3 Month	-9.4%
6 Month	-4.4%
1 Year	2.3%
3 Year	15.9%
5 Year	15.3%
10 Year
15 Year
Since launch	15.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	3.4%
2023	17.2%
2022	32.9%
2021	7.2%
2020	33%
2019	11.2%
2018	8.6%
2017	1.9%
2016	51%
2015	2%

Fund Manager information for Mirae Asset Great Consumer Fund

Name	Since	Tenure
Siddhant Chhabria	21 Jun 21	4.53 Yr.

Data below for Mirae Asset Great Consumer Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	54.5%
Consumer Defensive	21.83%
Basic Materials	7.26%
Communication Services	6.96%
Industrials	3.64%
Health Care	2.55%
Technology	2.25%

Asset Allocation

Asset Class	Value
Cash	1%
Equity	99%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ITC Ltd (Consumer Defensive) Equity, Since 29 Feb 12 \| ITC	10%	₹458 Cr	11,375,000
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 Oct 23 \| M&M	7%	₹356 Cr	958,648
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Mar 12 \| MARUTI	7%	₹356 Cr	212,923 ↓ -6,577
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 19 \| BHARTIARTL	7%	₹331 Cr	1,571,265
Eternal Ltd (Consumer Cyclical) Equity, Since 29 Feb 24 \| 543320	7%	₹323 Cr	11,603,385 ↑ 1,503,385
Titan Co Ltd (Consumer Cyclical) Equity, Since 31 Dec 16 \| TITAN	5%	₹247 Cr	608,773
Eicher Motors Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| EICHERMOT	4%	₹198 Cr	271,196 ↓ -7,000
Trent Ltd (Consumer Cyclical) Equity, Since 31 May 23 \| 500251	4%	₹190 Cr	442,871 ↑ 85,000
Varun Beverages Ltd (Consumer Defensive) Equity, Since 31 Oct 24 \| VBL	3%	₹161 Cr	3,296,886 ↑ 250,000
Britannia Industries Ltd (Consumer Defensive) Equity, Since 31 Aug 19 \| 500825	3%	₹144 Cr	238,750 ↑ 8,256

10. 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

Highest AUM (₹7,117 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (bottom quartile).
Risk profile: High.
5Y return: 24.17% (top quartile).
3Y return: 22.74% (top quartile).
1Y return: -1.30% (lower mid).
Alpha: -15.06 (bottom quartile).
Sharpe: -0.20 (lower mid).
Information ratio: 0.34 (top quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~100%).
Largest holding Reliance Industries Ltd (~10.0%).

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 (21 Jan 26)	₹323.725 ↓ -1.80 (-0.55 %)
Net Assets (Cr)	₹7,117 on 31 Dec 25
Category	Equity - Sectoral
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.85
Sharpe Ratio	-0.2
Information Ratio	0.34
Alpha Ratio	-15.06
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	₹14,888
31 Dec 22	₹16,512
31 Dec 23	₹26,089
31 Dec 24	₹33,115
31 Dec 25	₹32,946

Nippon India Power and Infra 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 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 21 Jan 26

Duration	Returns
1 Month	-5.4%
3 Month	-8.4%
6 Month	-7.3%
1 Year	-1.3%
3 Year	22.7%
5 Year	24.2%
10 Year
15 Year
Since launch	17.4%

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	7.61 Yr.
Rahul Modi	19 Aug 24	1.37 Yr.
Lokesh Maru	5 Sep 25	0.32 Yr.
Divya Sharma	5 Sep 25	0.32 Yr.

Data below for Nippon India Power and Infra Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	32.98%
Utility	23%
Consumer Cyclical	10.79%
Energy	10.36%
Basic Materials	7.3%
Technology	4.55%
Communication Services	3.55%
Financial Services	2.54%
Real Estate	2.43%
Health Care	2.08%

Asset Allocation

Asset Class	Value
Cash	0.43%
Equity	99.57%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 18 \| RELIANCE	10%	₹715 Cr	4,550,000 ↑ 125,000
NTPC Ltd (Utilities) Equity, Since 31 May 09 \| 532555	8%	₹560 Cr	17,000,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 07 \| LT	6%	₹435 Cr	1,064,337
Tata Power Co Ltd (Utilities) Equity, Since 30 Apr 23 \| 500400	4%	₹300 Cr	7,900,789
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 18 \| BHARTIARTL	4%	₹253 Cr	1,200,000 ↓ -900,000
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Oct 19 \| 532538	3%	₹200 Cr	170,000
Bharat Heavy Electricals Ltd (Industrials) Equity, Since 30 Sep 24 \| 500103	3%	₹198 Cr	6,900,000 ↓ -1,100,838
CG Power & Industrial Solutions Ltd (Industrials) Equity, Since 30 Sep 24 \| 500093	3%	₹196 Cr	3,020,014
Bharat Forge Ltd (Consumer Cyclical) Equity, Since 31 Oct 24 \| 500493	2%	₹173 Cr	1,179,635
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	2%	₹165 Cr	17,497,157 ↑ 350,000

बेस्ट सेक्टर म्यूचुअल फंड में निवेश करते समय विचार करने के लिए स्मार्ट टिप्स

सेक्टर फंड में निवेश करने से पहले आपको कुछ चीजें जानने की जरूरत है:

1. म्युचुअल फंड उद्देश्य

म्यूचुअल फंड योजना के उद्देश्य को हमेशा उचित रूप से समझना चाहिए। उदाहरण के लिए, कुछ सेक्टर म्युचुअल फंड निर्दिष्ट क्षेत्र में पोर्टफोलियो का केवल 65 प्रतिशत तक निवेश करते हैं। यह किसी क्षेत्र में आपके जोखिम को कम कर सकता है और आपके द्वारा अपेक्षित प्रतिफल प्रदान नहीं करेगा।

2. बाजार का समय

जैसा कि वे कहते हैं, शेयर बाजार में धन बढ़ने के लिए, "बाजार में समय बाजार के समय से ज्यादा महत्वपूर्ण है।" लेकिन, जब सेक्टर म्यूचुअल फंड में पैसा बनाने की बात आती है, तो बाजार को समय के साथ सीखने की जरूरत है, खासकर सीमेंट जैसे चक्रीय क्षेत्रों में,बैंक, स्टील, आदि। उदाहरण के लिए, बैंकिंग स्टॉक अच्छा प्रदर्शन करते हैं जब ब्याज दरें कम होती हैं या गिरने की उम्मीद होती है। और वेकमजोर प्रदर्शन जब ब्याज दरें बढ़ रही हों। इसलिए, बैंकिंग फंड में अच्छा रिटर्न हासिल करने के लिए, किसी को ब्याज दर चक्र के सही मोड़ पर होना चाहिए।

आदर्श रूप से, एकइन्वेस्टर लेना चाहिएसिप इस तरह के फंडों के लिए एक एक्सपोजर बनाने का मार्ग, लेकिन किसी को एसआईपी को बंद कर देना चाहिए और सेक्टर म्यूचुअल फंड में बाहर निकलने की स्थिति को बंद कर देना चाहिए, जब सेक्टर के फंडामेंटल फीका या डूबने लगते हैं।

भिन्नविविध निधि, सेक्टर म्युचुअल फंड कम विविध हैं, इस प्रकार जोखिम का जोखिम तुलनात्मक रूप से अधिक है। सेक्टर फंड के आसपास का नुकसान अस्थिरता की उच्च दर है। यह निवेश की अपनी प्रकृति के कारण है। जब बाजार ऊपर की ओर बढ़ रहा होता है तो एक निवेशक को अत्यधिक लाभ प्राप्त होता है और जब उस विशेष क्षेत्र का बाजार बिगड़ रहा होता है तो उसे भारी नुकसान होता है।

3. जानें कि कब बाहर निकलना है

डायवर्सिफाइड म्यूचुअल फंड की तुलना में सेक्टर म्यूचुअल फंड को पोर्टफोलियो में ज्यादा समय तक नहीं रखना चाहिए। आदर्श रूप से, जब किसी सेक्टर से अच्छा प्रदर्शन करने की उम्मीद की जाती है, तो ऐसे फंड को खरीदना चाहिए और फंड से बाहर निकलना शुरू हो जाने पर फंड से बाहर निकल जाना चाहिए। चूंकि ये फंड ज्यादातर चक्रीय होते हैं, इनका कार्यकाल आमतौर पर 3-5 साल का होता है। इस प्रकार, निवेशकों को यह जानने के लिए कुछ अच्छा समय बिताना चाहिए कि ऐसे फंडों से कब बाहर निकलना है।

4. सीमित एक्सपोजर

सेक्टर फंड में निवेश करने वाले निवेशकों को यह समझना चाहिए कि फंड मैनेजर अपने निवेश विकल्पों में प्रतिबंधित है और किसी विशेष क्षेत्र में निवेश जारी रखना होगा, भले ही वह क्षेत्र बाजार में अच्छा प्रदर्शन नहीं कर रहा हो। जबकि, इक्विटी डायवर्सिफाइड फंड्स में, एक फंड मैनेजर इस तरह के किसी प्रतिबंध के लिए बाध्य नहीं होता है।

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निष्कर्ष

सेक्टर फंड आपके पोर्टफोलियो को केंद्रित जोखिम के लिए उजागर करते हैं, वास्तव में, यदि आप अपने आप को व्यापार चक्रों के बराबर नहीं रखते हैं, तो यह आपको बहुत बड़ा नुकसान पहुंचा सकता है। दूसरी ओर, यदि आप सेक्टर के बुनियादी सिद्धांतों से अच्छी तरह वाकिफ हैं और ऐसे फंडों से जुड़ी अस्थिरता का आकलन करने की क्षमता रखते हैं, तो आप अच्छा लाभ कमा सकते हैं। हालांकि, सेक्टर फंड में निवेश करते समय हमेशा बहुत सावधान रहें और इसका सीमित हिस्सा ही निवेश करेंराजधानी!

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।