शीर्ष 10 सर्वश्रेष्ठ प्रदर्शन करने वाली एसआईपी योजनाएं 2022 - 2023

Table of Contents

व्यवस्थित निवेश योजना में निवेश क्यों करें?
व्यवस्थित निवेश योजना में निवेश कैसे करें?
वित्त वर्ष 22 - 23 में निवेश करने के लिए सर्वश्रेष्ठ एसआईपी योजनाएं
सर्वश्रेष्ठ एसआईपी निवेश कैसे चुनें?
एसआईपी कैलकुलेटर (एसआईपी रिटर्न कैलकुलेटर)
पूछे जाने वाले प्रश्न
Top 10 Funds

भारत में सर्वश्रेष्ठ प्रदर्शन करने वाली एसआईपी योजनाएं 2022

Updated on September 21, 2023 , 152380 views

श्रेष्ठसिप योजना? उन्हें कैसे चुनें? ये कुछ सामान्य प्रश्न हैं जो सोचते समय निवेशकों के मन में उठते हैंनिवेश मेंम्यूचुअल फंड्स एक एसआईपी या व्यवस्थित . के माध्यम सेनिवेश योजना.

एसआईपी निवेश म्यूचुअल फंड में निवेश करते समय सबसे अनुशासित निवेश विकल्पों में से एक है। इसके अलावा, एक एसआईपी म्युचुअल फंड में निवेश की न्यूनतम राशि INR 500 जितनी कम है। यह निवेश करता हैशीर्ष एसआईपी बहुत सुविधाजनक योजनाएँ।

आम तौर पर, भारत में कुछ बेहतरीन एसआईपी योजनाएं लंबी अवधि के लिए निवेश करने पर अच्छा रिटर्न देती हैं। यह जानने के लिए कि एसआईपी या सिस्टमैटिक इन्वेस्टमेंट प्लान में निवेश करके कोई कितना कमा सकता है, चेक करेंघूंट कैलकुलेटर (एसआईपी रिटर्न कैलकुलेटर के रूप में भी जाना जाता है) नीचे अनुभाग।

व्यवस्थित निवेश योजना में निवेश क्यों करें?

एक व्यवस्थित निवेश योजना कई लाभों के साथ आती है। इसकी न्यूनतम निवेश राशिINR 500 न केवल अधिकांश आबादी का ध्यान आकर्षित किया है, बल्कि कई युवाओं ने भी म्यूचुअल फंड में अपनी निवेश यात्रा शुरू करने के लिए ध्यान आकर्षित किया है। एकइन्वेस्टर कौन करना चाहता हैSIP में निवेश करें अपने प्रमुख की योजना बना सकते हैंवित्तीय लक्ष्यों जैसे- बच्चे की शिक्षा, शादी का खर्च, घर/कार आदि की खरीद अनुशासित तरीके से करना। कोई भी अपने लक्ष्यों (अल्पकालिक, मध्य अवधि और लंबी अवधि) के अनुसार निवेश शुरू कर सकता है और एक निश्चित अवधि में धन में वृद्धि प्राप्त कर सकता है।

एसआईपी रुपये की औसत लागत और . जैसे प्रमुख लाभ प्रदान करते हैंकंपाउंडिंग की शक्ति. रुपये की औसत लागत एक व्यक्ति को संपत्ति की खरीद की लागत का औसत निकालने में मदद करती है। एक एसआईपी में, इकाइयों की खरीद लंबी अवधि में की जाती है और इन्हें मासिक अंतराल (आमतौर पर) में समान रूप से फैलाया जाता है। समय के साथ फैले निवेश के कारण स्टॉक में निवेश किया जाता हैमंडी अलग-अलग मूल्य बिंदुओं पर निवेशक को औसत लागत का लाभ मिलता है, इसलिए रुपये की लागत औसत।

चक्रवृद्धि ब्याज के मामले में, साधारण ब्याज के विपरीत, जहां आप केवल मूलधन पर ब्याज प्राप्त करते हैं, यहां ब्याज राशि मूलधन में जोड़ दी जाती है, और ब्याज की गणना नए मूलधन (पुराने मूलधन और लाभ) पर की जाती है। यह प्रक्रिया हर बार जारी रहती है। चूंकि एसआईपी में म्युचुअल फंड किश्तों में होते हैं, वे चक्रवृद्धि होते हैं, जो शुरू में निवेश की गई राशि में अधिक जोड़ता है।

व्यवस्थित निवेश योजना में निवेश कैसे करें?

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वित्त वर्ष 22 - 23 में निवेश करने के लिए सर्वश्रेष्ठ एसआईपी योजनाएं

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2022 (%)
Nippon India Small Cap Fund Growth	₹117.791 ↑ 1.09	₹34,469	100	17.9	29.5	36	42.1	21.8	6.5
Kotak Small Cap Fund Growth	₹193.889 ↑ 0.99	₹11,597	1,000	13.5	19.8	18.7	36	20.8	-3.1
ICICI Prudential Smallcap Fund Growth	₹65.13 ↑ 0.34	₹6,511	100	14.4	23.6	25.3	36.6	20.1	5.7
Aditya Birla Sun Life Digital India Fund Growth	₹134.3 ↑ 1.06	₹3,718	100	13	8.8	12.2	26	20	-21.6
ICICI Prudential Technology Fund Growth	₹147.01 ↑ 1.40	₹10,722	100	11.8	4.5	6.4	26.7	20	-23.2
SBI Technology Opportunities Fund Growth	₹154.255 ↑ 1.41	₹3,081	500	10	4.2	10.1	26.7	19.5	-15.5
Principal Emerging Bluechip Fund Growth	₹183.316 ↑ 2.03	₹3,124	100	2.9	13.6	38.9	21.9	19.2
PGIM India Midcap Opportunities Fund Growth	₹47.77 ↑ 0.35	₹9,261	1,000	8.5	12.4	9.8	30	19.2	-1.7
ICICI Prudential Infrastructure Fund Growth	₹120.77 ↑ 0.55	₹2,917	100	13.6	21.6	36.5	38.7	19.1	28.8
SBI Small Cap Fund Growth	₹131.097 ↑ 1.29	₹20,018	500	12.1	18.8	20.4	31.2	18.8	8.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Aug 23

*निधि के आधार पर सूचीसंपत्ति>= 200 करोड़ पर छाँटा गया5 साल का रिटर्न.

1. Nippon India Small Cap Fund

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

Nippon India Small Cap Fund is a Equity - Small Cap fund was launched on 16 Sep 10. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 21% since its launch. Ranked 6 in Small Cap category. Return for 2022 was 6.5% , 2021 was 74.3% and 2020 was 29.2% .

Below is the key information for Nippon India Small Cap Fund

Nippon India Small Cap Fund Growth
Launch Date	16 Sep 10
NAV (22 Aug 23)	₹117.791 ↑ 1.09 (0.93 %)
Net Assets (Cr)	₹34,469 on 31 Jul 23
Category	Equity - Small Cap
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.82
Sharpe Ratio	2.23
Information Ratio	1.58
Alpha Ratio	9.1
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 Aug 18	₹10,000
31 Aug 19	₹7,788
31 Aug 20	₹9,023
31 Aug 21	₹17,298
31 Aug 22	₹19,919
31 Aug 23	₹26,938

Nippon India Small Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033 Invest Now

Returns for Nippon India Small Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23

Duration	Returns
1 Month	3.9%
3 Month	17.9%
6 Month	29.5%
1 Year	36%
3 Year	42.1%
5 Year	21.8%
10 Year
15 Year
Since launch	21%

Historical performance (Yearly) on absolute basis

Year	Returns
2022	6.5%
2021	74.3%
2020	29.2%
2019	-2.5%
2018	-16.7%
2017	63%
2016	5.6%
2015	15.1%
2014	97.6%
2013	11.9%

Fund Manager information for Nippon India Small Cap Fund

Name	Since	Tenure
Samir Rachh	2 Jan 17	6.67 Yr.
Kinjal Desai	25 May 18	5.27 Yr.
Tejas Sheth	1 Feb 23	0.58 Yr.
Akshay Sharma	1 Dec 22	0.75 Yr.

Data below for Nippon India Small Cap Fund as on 31 Jul 23

Equity Sector Allocation

Sector	Value
Industrials	31.69%
Financial Services	14.07%
Basic Materials	12.14%
Consumer Cyclical	12.02%
Technology	8.78%
Consumer Defensive	7.49%
Health Care	6.98%
Communication Services	1.68%
Energy	0.99%
Utility	0.57%
Real Estate	0.24%

Asset Allocation

Asset Class	Value
Cash	2.34%
Equity	97.66%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tube Investments of India Ltd Ordinary Shares (Industrials) Equity, Since 30 Apr 18 \| TIINDIA	3%	₹948 Cr	3,267,559
HDFC Bank Ltd (Financial Services) Equity, Since 30 Apr 22 \| HDFCBANK	2%	₹664 Cr	4,225,000
Apar Industries Ltd Shs Dematerialised (Industrials) Equity, Since 31 Mar 17 \| APARINDS	2%	₹597 Cr	1,191,538 ↓ -51,427
KPIT Technologies Ltd (Technology) Equity, Since 30 Jun 19 \| KPITTECH	2%	₹559 Cr	4,756,932
CreditAccess Grameen Ltd Ordinary Shares (Financial Services) Equity, Since 31 Jul 19 \| CREDITACC	2%	₹555 Cr	3,922,401
Voltamp Transformers Ltd Shs Dematerialised (Industrials) Equity, Since 30 Sep 16 \| VOLTAMP	1%	₹502 Cr	873,167
Tejas Networks Ltd (Technology) Equity, Since 30 Jun 17 \| TEJASNET	1%	₹502 Cr	5,763,697
Bharat Heavy Electricals Ltd (Industrials) Equity, Since 30 Sep 22 \| 500103	1%	₹440 Cr	36,323,195
ELANTAS Beck India Ltd (Basic Materials) Equity, Since 28 Feb 13 \| 500123	1%	₹439 Cr	614,625
NIIT Learning Systems Ltd (Consumer Defensive) Equity, Since 30 Jun 23 \| -	1%	₹432 Cr	11,320,240 ↑ 11,320,240

2. Kotak Small Cap Fund

(Erstwhile Kotak Midcap Scheme)

The investment objective of the Scheme is to generate capital appreciation from a diversified portfolio of equity and equity related securities.

Kotak Small Cap Fund is a Equity - Small Cap fund was launched on 24 Feb 05. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 17.4% since its launch. Ranked 23 in Small Cap category. Return for 2022 was -3.1% , 2021 was 70.9% and 2020 was 34.2% .

Below is the key information for Kotak Small Cap Fund

Kotak Small Cap Fund Growth
Launch Date	24 Feb 05
NAV (22 Aug 23)	₹193.889 ↑ 0.99 (0.51 %)
Net Assets (Cr)	₹11,597 on 31 Jul 23
Category	Equity - Small Cap
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.48
Sharpe Ratio	1.24
Information Ratio	0.28
Alpha Ratio	-1.09
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 Aug 18	₹10,000
31 Aug 19	₹8,471
31 Aug 20	₹9,875
31 Aug 21	₹19,879
31 Aug 22	₹21,724
31 Aug 23	₹25,851

Kotak Small Cap 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 Kotak Small Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23

Duration	Returns
1 Month	2.9%
3 Month	13.5%
6 Month	19.8%
1 Year	18.7%
3 Year	36%
5 Year	20.8%
10 Year
15 Year
Since launch	17.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2022	-3.1%
2021	70.9%
2020	34.2%
2019	5%
2018	-17.3%
2017	44%
2016	8.9%
2015	7.4%
2014	74%
2013	-4.9%

Fund Manager information for Kotak Small Cap Fund

Name	Since	Tenure
Pankaj Tibrewal	21 Jan 10	13.62 Yr.
Arjun Khanna	30 Apr 22	1.34 Yr.

Data below for Kotak Small Cap Fund as on 31 Jul 23

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value
Cash	7.24%
Equity	92.76%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Cyient Ltd (Industrials) Equity, Since 31 Dec 19 \| CYIENT	4%	₹464 Cr	2,834,504 ↑ 75,862
Carborundum Universal Ltd (Industrials) Equity, Since 30 Jun 18 \| CARBORUNIV	3%	₹418 Cr	3,676,524 ↑ 45,540
Century Plyboards (India) Ltd (Basic Materials) Equity, Since 31 Oct 18 \| 532548	3%	₹412 Cr	6,012,844 ↑ 340,872
Ratnamani Metals & Tubes Ltd (Basic Materials) Equity, Since 31 Jan 18 \| RATNAMANI	3%	₹377 Cr	1,426,985
Galaxy Surfactants Ltd (Basic Materials) Equity, Since 31 Jan 18 \| GALAXYSURF	3%	₹313 Cr	1,166,604 ↑ 60,000
Alembic Pharmaceuticals Ltd (Healthcare) Equity, Since 31 Jan 22 \| 533573	2%	₹300 Cr	3,865,125
Blue Star Ltd (Industrials) Equity, Since 31 May 18 \| BLUESTARCO	2%	₹293 Cr	3,961,516 ↑ 155,000
Garware Technical Fibres Ltd (Consumer Cyclical) Equity, Since 30 Jun 21 \| GARFIBRES	2%	₹279 Cr	873,559 ↑ 9,657
Supreme Industries Ltd (Industrials) Equity, Since 31 May 14 \| 509930	2%	₹256 Cr	573,917 ↓ -240,725
V-Guard Industries Ltd (Industrials) Equity, Since 31 Oct 18 \| VGUARD	2%	₹250 Cr	7,938,792 ↑ 88,091

3. ICICI Prudential Smallcap Fund

(Erstwhile ICICI Prudential Indo Asia Equity Fund)

ICICI Prudential Indo Asia Equity Fund is an OE equity scheme that seeks to generate long term capital appreciation by investing in equity, equity related securities and or share classes/units of equity funds of companies, which are incorporated or have their area of primary activity, in the Asia Pacific region. Initially the Scheme will invest in share classes of International Opportunities Fund Asian Equity Fund and thereafter the Fund Manager of the Indo Asia Equity Fund may choose to make investment in listed equity shares, securities in the Asia Pacific region. However, there can be no assurance that the investment objective of the Scheme will be realized.

ICICI Prudential Smallcap Fund is a Equity - Small Cap fund was launched on 18 Oct 07. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 12.6% since its launch. Ranked 26 in Small Cap category. Return for 2022 was 5.7% , 2021 was 61% and 2020 was 22.8% .

Below is the key information for ICICI Prudential Smallcap Fund

ICICI Prudential Smallcap Fund Growth
Launch Date	18 Oct 07
NAV (22 Aug 23)	₹65.13 ↑ 0.34 (0.52 %)
Net Assets (Cr)	₹6,511 on 31 Jul 23
Category	Equity - Small Cap
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.04
Sharpe Ratio	1.54
Information Ratio	0.38
Alpha Ratio	2.62
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 Aug 18	₹10,000
31 Aug 19	₹8,965
31 Aug 20	₹9,621
31 Aug 21	₹17,922
31 Aug 22	₹20,239
31 Aug 23	₹25,430

ICICI Prudential Smallcap 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 ICICI Prudential Smallcap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23

Duration	Returns
1 Month	2.5%
3 Month	14.4%
6 Month	23.6%
1 Year	25.3%
3 Year	36.6%
5 Year	20.1%
10 Year
15 Year
Since launch	12.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2022	5.7%
2021	61%
2020	22.8%
2019	10%
2018	-22.4%
2017	42.7%
2016	6%
2015	0.5%
2014	50.6%
2013	8.8%

Fund Manager information for ICICI Prudential Smallcap Fund

Name	Since	Tenure
Harish Bihani	5 Nov 18	4.82 Yr.
Sharmila D’mello	30 Jun 22	1.17 Yr.

Data below for ICICI Prudential Smallcap Fund as on 31 Jul 23

Equity Sector Allocation

Sector	Value
Industrials	23.96%
Consumer Cyclical	20.12%
Health Care	14.37%
Financial Services	8.04%
Basic Materials	6.07%
Technology	4.27%
Real Estate	4.07%
Communication Services	4.02%
Consumer Defensive	3.32%

Asset Allocation

Asset Class	Value
Cash	10.93%
Equity	89.07%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Cyient Ltd (Industrials) Equity, Since 31 Aug 18 \| CYIENT	4%	₹306 Cr	1,870,832
PVR INOX Ltd (Communication Services) Equity, Since 28 Feb 23 \| PVRINOX	4%	₹265 Cr	1,482,223 ↑ 1,500
Krishna Institute of Medical Sciences Ltd (Healthcare) Equity, Since 30 Sep 22 \| 543308	3%	₹202 Cr	1,008,989 ↓ -15,000
KEI Industries Ltd (Industrials) Equity, Since 31 Jan 20 \| KEI	3%	₹199 Cr	734,852 ↑ 100,000
Rolex Rings Ltd (Industrials) Equity, Since 31 Jul 21 \| 543325	3%	₹191 Cr	873,867
EPL Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 30 Apr 21 \| 500135	3%	₹181 Cr	9,219,340 ↑ 52,730
Mahindra Lifespace Developers Ltd (Real Estate) Equity, Since 31 Aug 19 \| MAHLIFE	2%	₹162 Cr	2,848,630
Cholamandalam Financial Holdings Ltd (Financial Services) Equity, Since 30 Jun 19 \| CHOLAHLDNG	2%	₹159 Cr	1,617,691
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 30 Jun 19 \| MCX	2%	₹155 Cr	917,205
V-Mart Retail Ltd (Consumer Cyclical) Equity, Since 31 Jul 19 \| VMART	2%	₹151 Cr	676,631

4. Aditya Birla Sun Life Digital India Fund

(Erstwhile Aditya Birla Sun Life New Millennium Fund)

A multi-sector open-ended growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of 100% equity, focusing on investing in technology and technology dependent companies, hardware, peripherals and components, software, telecom, media, internet and e-commerce and other technology enabled companies. The secondary objective is income generation and distribution of dividend.

Aditya Birla Sun Life Digital India Fund is a Equity - Sectoral fund was launched on 15 Jan 00. It is a fund with High risk and has given a CAGR/Annualized return of 11.6% since its launch. Ranked 33 in Sectoral category. Return for 2022 was -21.6% , 2021 was 70.5% and 2020 was 59% .

Below is the key information for Aditya Birla Sun Life Digital India Fund

Aditya Birla Sun Life Digital India Fund Growth
Launch Date	15 Jan 00
NAV (21 Aug 23)	₹134.3 ↑ 1.06 (0.80 %)
Net Assets (Cr)	₹3,718 on 31 Jul 23
Category	Equity - Sectoral
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆
Risk	High
Expense Ratio	2.08
Sharpe Ratio	0.48
Information Ratio	1.52
Alpha Ratio	8.27
Min Investment	1,000
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 Aug 18	₹10,000
31 Aug 19	₹9,703
31 Aug 20	₹11,974
31 Aug 21	₹23,623
31 Aug 22	₹20,792
31 Aug 23	₹24,765

Aditya Birla Sun Life Digital India 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 Aditya Birla Sun Life Digital 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 22 Aug 23

Duration	Returns
1 Month	3.7%
3 Month	13%
6 Month	8.8%
1 Year	12.2%
3 Year	26%
5 Year	20%
10 Year
15 Year
Since launch	11.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2022	-21.6%
2021	70.5%
2020	59%
2019	9.6%
2018	15.6%
2017	22.4%
2016	-3.5%
2015	11.2%
2014	21.1%
2013	50.2%

Fund Manager information for Aditya Birla Sun Life Digital India Fund

Name	Since	Tenure
Kunal Sangoi	16 Jan 14	9.63 Yr.
Dhaval Joshi	21 Nov 22	0.78 Yr.

Data below for Aditya Birla Sun Life Digital India Fund as on 31 Jul 23

Equity Sector Allocation

Sector	Value
Technology	76.18%
Communication Services	9.17%
Industrials	8.71%
Consumer Cyclical	2.71%

Asset Allocation

Asset Class	Value
Cash	3.23%
Equity	96.77%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Infosys Ltd (Technology) Equity, Since 30 Apr 05 \| INFY	23%	₹898 Cr	6,253,401
Tata Consultancy Services Ltd Shs Dematerialised (Technology) Equity, Since 30 Apr 05 \| TCS	11%	₹413 Cr	1,231,476 ↑ 30,000
HCL Technologies Ltd (Technology) Equity, Since 31 Dec 10 \| HCLTECH	8%	₹301 Cr	2,568,727 ↑ 200,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Aug 19 \| BHARTIARTL	6%	₹246 Cr	2,874,697 ↑ 200,000
LTIMindtree Ltd (Technology) Equity, Since 31 Mar 21 \| LTIM	6%	₹234 Cr	451,352 ↑ 35,153
Cyient Ltd (Industrials) Equity, Since 31 May 14 \| CYIENT	5%	₹176 Cr	1,077,664
Coforge Ltd (Technology) Equity, Since 30 Jun 20 \| COFORGE	4%	₹164 Cr	299,286 ↑ 47,340
Tech Mahindra Ltd (Technology) Equity, Since 31 May 13 \| 532755	3%	₹123 Cr	1,024,930 ↓ -200,000
Birlasoft Ltd (Technology) Equity, Since 30 Sep 20 \| BSOFT	3%	₹106 Cr	2,083,371 ↓ -200,000
Rategain Travel Technologies Ltd (Technology) Equity, Since 31 Dec 21 \| 543417	2%	₹93 Cr	1,540,344 ↓ -229,952

5. ICICI Prudential Technology Fund

To generate long-term capital appreciation for you from a portfolio made up predominantly of equity and equity-related securities of technology intensive companies.

ICICI Prudential Technology Fund is a Equity - Sectoral fund was launched on 3 Mar 00. It is a fund with High risk and has given a CAGR/Annualized return of 12.1% since its launch. Ranked 37 in Sectoral category. Return for 2022 was -23.2% , 2021 was 75.7% and 2020 was 70.6% .

Below is the key information for ICICI Prudential Technology Fund

ICICI Prudential Technology Fund Growth
Launch Date	3 Mar 00
NAV (21 Aug 23)	₹147.01 ↑ 1.40 (0.96 %)
Net Assets (Cr)	₹10,722 on 31 Jul 23
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆
Risk	High
Expense Ratio	1.96
Sharpe Ratio	0.11
Information Ratio	1.33
Alpha Ratio	3.12
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

ICICI Prudential Technology Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for ICICI Prudential Technology Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23

Duration	Returns
1 Month	3.3%
3 Month	11.8%
6 Month	4.5%
1 Year	6.4%
3 Year	26.7%
5 Year	20%
10 Year
15 Year
Since launch	12.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2022	-23.2%
2021	75.7%
2020	70.6%
2019	2.3%
2018	19.1%
2017	19.8%
2016	-4%
2015	3.9%
2014	26.3%
2013	62.6%

Fund Manager information for ICICI Prudential Technology Fund

Name	Since	Tenure
Vaibhav Dusad	2 May 20	3.33 Yr.
Sharmila D’mello	30 Jun 22	1.17 Yr.

Data below for ICICI Prudential Technology Fund as on 31 Jul 23

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value
Cash	2.97%
Equity	97.03%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Infosys Ltd (Technology) Equity, Since 30 Apr 08 \| INFY	28%	₹3,104 Cr	21,626,635 ↓ -610,099
Tata Consultancy Services Ltd (Technology) Equity, Since 30 Sep 19 \| TCS	14%	₹1,526 Cr	4,547,147 ↓ -130,962
Bharti Airtel Ltd (Communication Services) Equity, Since 31 May 20 \| BHARTIARTL	8%	₹926 Cr	10,812,794 ↑ 605,085
HCL Technologies Ltd (Technology) Equity, Since 30 Sep 20 \| HCLTECH	7%	₹780 Cr	6,652,651 ↓ -238,161
Tech Mahindra Ltd (Technology) Equity, Since 31 Oct 16 \| 532755	6%	₹614 Cr	5,109,553 ↑ 320,274
LTIMindtree Ltd (Technology) Equity, Since 31 Jul 16 \| LTIM	5%	₹515 Cr	990,932 ↑ 25,000
Persistent Systems Ltd (Technology) Equity, Since 31 May 20 \| PERSISTENT	3%	₹319 Cr	594,446 ↑ 76,094
Wipro Ltd (Technology) Equity, Since 30 Sep 19 \| 507685	2%	₹250 Cr	6,127,361 ↓ -984,537
Mphasis Ltd (Technology) Equity, Since 30 Jun 20 \| 526299	2%	₹223 Cr	918,496 ↑ 93,764
Zensar Technologies Ltd (Technology) Equity, Since 30 Nov 21 \| ZENSARTECH	2%	₹218 Cr	4,142,353 ↓ -579,658

6. SBI Technology Opportunities Fund

(Erstwhile SBI IT Fund)

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

SBI Technology Opportunities Fund is a Equity - Sectoral fund was launched on 9 Jan 13. It is a fund with High risk and has given a CAGR/Annualized return of 19.7% since its launch. Ranked 42 in Sectoral category. Return for 2022 was -15.5% , 2021 was 66.4% and 2020 was 47.3% .

Below is the key information for SBI Technology Opportunities Fund

SBI Technology Opportunities Fund Growth
Launch Date	9 Jan 13
NAV (21 Aug 23)	₹154.255 ↑ 1.41 (0.92 %)
Net Assets (Cr)	₹3,081 on 31 Jul 23
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆
Risk	High
Expense Ratio	2.06
Sharpe Ratio	0.43
Information Ratio	1.34
Alpha Ratio	7.06
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 Aug 18	₹10,000
31 Aug 19	₹10,292
31 Aug 20	₹11,549
31 Aug 21	₹22,769
31 Aug 22	₹20,404
31 Aug 23	₹24,096

SBI Technology Opportunities Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for SBI Technology 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 22 Aug 23

Duration	Returns
1 Month	2.5%
3 Month	10%
6 Month	4.2%
1 Year	10.1%
3 Year	26.7%
5 Year	19.5%
10 Year
15 Year
Since launch	19.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2022	-15.5%
2021	66.4%
2020	47.3%
2019	12.2%
2018	17.1%
2017	13%
2016	-3.3%
2015	2.4%
2014	29.2%
2013

Fund Manager information for SBI Technology Opportunities Fund

Name	Since	Tenure
Saurabh Pant	1 Jan 22	1.67 Yr.
Mohit Jain	1 Jan 22	1.67 Yr.

Data below for SBI Technology Opportunities Fund as on 31 Jul 23

Equity Sector Allocation

Sector	Value
Technology	71.76%
Communication Services	20.34%
Industrials	3.94%
Consumer Cyclical	2.62%

Asset Allocation

Asset Class	Value
Cash	1.34%
Equity	98.66%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Infosys Ltd (Technology) Equity, Since 31 Jan 03 \| INFY	25%	₹818 Cr	5,700,000
Tata Consultancy Services Ltd Shs Dematerialised (Technology) Equity, Since 30 Apr 06 \| TCS	11%	₹369 Cr	1,100,000 ↓ -180,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 May 18 \| BHARTIARTL	9%	₹300 Cr	3,500,000
Tech Mahindra Ltd (Technology) Equity, Since 31 May 22 \| 532755	7%	₹238 Cr	1,980,000
Netflix Inc (Communication Services) Equity, Since 31 Aug 21 \| NFLX	4%	₹136 Cr	38,000
Firstsource Solutions Ltd Shs Dematerialised (Technology) Equity, Since 31 Mar 23 \| FSL	4%	₹135 Cr	8,300,000
PVR INOX Ltd (Communication Services) Equity, Since 31 Jan 22 \| PVRINOX	4%	₹129 Cr	722,000
HCL Technologies Ltd (Technology) Equity, Since 31 Mar 06 \| HCLTECH	4%	₹129 Cr	1,100,000
Delhivery Ltd (Industrials) Equity, Since 31 Jan 23 \| 543529	4%	₹127 Cr	2,900,000
Wipro Ltd (Technology) Equity, Since 30 Apr 21 \| 507685	4%	₹120 Cr	2,947,197

7. Principal Emerging Bluechip Fund

The primary objective of the Scheme is to achieve long-term capital appreciation by investing in equity & equity related instruments of mid cap & small cap companies.

Principal Emerging Bluechip Fund is a Equity - Large & Mid Cap fund was launched on 12 Nov 08. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 24.8% since its launch. Ranked 1 in Large & Mid Cap category. .

Below is the key information for Principal Emerging Bluechip Fund

Principal Emerging Bluechip Fund Growth
Launch Date	12 Nov 08
NAV (31 Dec 21)	₹183.316 ↑ 2.03 (1.12 %)
Net Assets (Cr)	₹3,124 on 30 Nov 21
Category	Equity - Large & Mid Cap
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	2.08
Sharpe Ratio	2.74
Information Ratio	0.22
Alpha Ratio	2.18
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 Aug 18	₹10,000
31 Aug 19	₹8,490
31 Aug 20	₹9,492
31 Aug 21	₹15,487

Principal Emerging Bluechip Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for Principal Emerging Bluechip Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23

Duration	Returns
1 Month	2.9%
3 Month	2.9%
6 Month	13.6%
1 Year	38.9%
3 Year	21.9%
5 Year	19.2%
10 Year
15 Year
Since launch	24.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013

Fund Manager information for Principal Emerging Bluechip Fund

Name	Since	Tenure

Data below for Principal Emerging Bluechip Fund as on 30 Nov 21

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

8. PGIM India Midcap Opportunities Fund

The primary objective of the Scheme is to achieve long-term capital appreciation by predominantly investing in equity & equity related instruments of mid cap companies. However, there is no assurance that the investment objective of the Scheme will be realized.

PGIM India Midcap Opportunities Fund is a Equity - Mid Cap fund was launched on 2 Dec 13. It is a fund with High risk and has given a CAGR/Annualized return of 17.5% since its launch. Ranked 40 in Mid Cap category. Return for 2022 was -1.7% , 2021 was 63.8% and 2020 was 48.4% .

Below is the key information for PGIM India Midcap Opportunities Fund

PGIM India Midcap Opportunities Fund Growth
Launch Date	2 Dec 13
NAV (22 Aug 23)	₹47.77 ↑ 0.35 (0.74 %)
Net Assets (Cr)	₹9,261 on 31 Jul 23
Category	Equity - Mid Cap
AMC	Pramerica Asset Managers Private Limited
Rating	☆
Risk	High
Expense Ratio	1.95
Sharpe Ratio	0.5
Information Ratio	-0.26
Alpha Ratio	-9.12
Min Investment	5,000
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 Aug 18	₹10,000
31 Aug 19	₹8,005
31 Aug 20	₹10,574
31 Aug 21	₹20,304
31 Aug 22	₹22,464
31 Aug 23	₹24,209

PGIM India Midcap Opportunities Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for PGIM India Midcap 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 22 Aug 23

Duration	Returns
1 Month	0.8%
3 Month	8.5%
6 Month	12.4%
1 Year	9.8%
3 Year	30%
5 Year	19.2%
10 Year
15 Year
Since launch	17.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2022	-1.7%
2021	63.8%
2020	48.4%
2019	3.6%
2018	-16.1%
2017	37%
2016	-1.3%
2015	7.9%
2014	42.8%
2013

Fund Manager information for PGIM India Midcap Opportunities Fund

Name	Since	Tenure
Vinay Paharia	1 Apr 23	0.42 Yr.
Puneet Pal	16 Jul 22	1.13 Yr.
Anandha Padmanabhan Anjeneyan	19 Aug 23	0.04 Yr.

Data below for PGIM India Midcap Opportunities Fund as on 31 Jul 23

Equity Sector Allocation

Sector	Value
Consumer Cyclical	20.48%
Financial Services	20.26%
Industrials	13.56%
Basic Materials	10.96%
Health Care	8.41%
Technology	6.83%
Real Estate	4.8%
Utility	4.41%
Consumer Defensive	3.65%

Asset Allocation

Asset Class	Value
Cash	6.49%
Equity	93.35%
Debt	0.16%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Phoenix Mills Ltd (Real Estate) Equity, Since 31 Jan 23 \| 503100	3%	₹294 Cr	1,697,055
Cholamandalam Investment and Finance Co Ltd (Financial Services) Equity, Since 31 Jan 22 \| CHOLAFIN	3%	₹287 Cr	2,532,684
Tube Investments of India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 30 Apr 23 \| TIINDIA	3%	₹283 Cr	919,677
Timken India Ltd Shs Dematerialised (Industrials) Equity, Since 30 Sep 21 \| 522113	3%	₹280 Cr	796,219
Max Healthcare Institute Ltd Ordinary Shares (Healthcare) Equity, Since 30 Nov 22 \| MAXHEALTH	3%	₹271 Cr	4,562,120
Cummins India Ltd (Industrials) Equity, Since 31 Dec 20 \| 500480	3%	₹270 Cr	1,371,160
Abbott India Ltd (Healthcare) Equity, Since 31 Jan 23 \| ABBOTINDIA	3%	₹241 Cr	100,119
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| HDFCBANK	3%	₹236 Cr	1,428,000 ↑ 1,428,000
Indraprastha Gas Ltd (Utilities) Equity, Since 30 Apr 23 \| IGL	2%	₹226 Cr	4,890,924
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 30 Jun 23 \| KOTAKBANK	2%	₹222 Cr	1,193,854

9. ICICI Prudential Infrastructure Fund

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

ICICI Prudential Infrastructure Fund is a Equity - Sectoral fund was launched on 31 Aug 05. It is a fund with High risk and has given a CAGR/Annualized return of 14.9% since its launch. Ranked 27 in Sectoral category. Return for 2022 was 28.8% , 2021 was 50.1% and 2020 was 3.6% .

Below is the key information for ICICI Prudential Infrastructure Fund

ICICI Prudential Infrastructure Fund Growth
Launch Date	31 Aug 05
NAV (22 Aug 23)	₹120.77 ↑ 0.55 (0.46 %)
Net Assets (Cr)	₹2,917 on 31 Jul 23
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	2.22
Sharpe Ratio	2.71
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 18	₹10,000
31 Aug 19	₹9,033
31 Aug 20	₹8,472
31 Aug 21	₹14,496
31 Aug 22	₹17,743
31 Aug 23	₹23,558

ICICI Prudential Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for ICICI Prudential Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23

Duration	Returns
1 Month	3%
3 Month	13.6%
6 Month	21.6%
1 Year	36.5%
3 Year	38.7%
5 Year	19.1%
10 Year
15 Year
Since launch	14.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2022	28.8%
2021	50.1%
2020	3.6%
2019	2.6%
2018	-14%
2017	40.8%
2016	2%
2015	-3.4%
2014	56.2%
2013	-5%

Fund Manager information for ICICI Prudential Infrastructure Fund

Name	Since	Tenure
Ihab Dalwai	3 Jun 17	6.25 Yr.
Sharmila D’mello	30 Jun 22	1.17 Yr.

Data below for ICICI Prudential Infrastructure Fund as on 31 Jul 23

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value
Cash	3.44%
Equity	95.36%
Debt	1.21%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
NTPC Ltd (Utilities) Equity, Since 29 Feb 16 \| 532555	9%	₹278 Cr	12,600,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 09 \| LT	6%	₹176 Cr	649,833 ↑ 20,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 16 \| ICICIBANK	5%	₹142 Cr	1,480,000 ↑ 200,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 16 \| BHARTIARTL	4%	₹130 Cr	1,520,601 ↑ 17,242
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 30 Jun 17 \| 500312	4%	₹124 Cr	7,145,300
Kalpataru Projects International Ltd (Industrials) Equity, Since 30 Sep 06 \| KPIL	4%	₹122 Cr	1,841,962
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jan 22 \| HDFCBANK	4%	₹117 Cr	744,300
NCC Ltd (Industrials) Equity, Since 31 Aug 21 \| NCC	4%	₹107 Cr	6,300,000
Tata Steel Ltd (Basic Materials) Equity, Since 31 Jan 20 \| TATASTEEL	2%	₹72 Cr	5,831,751 ↑ 1,500,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Dec 20 \| 532215	2%	₹60 Cr	620,000

10. SBI Small Cap Fund

(Erstwhile SBI Small & Midcap Fund)

The Scheme seeks to generate income and long term capital appreciation by investing in a diversified portfolio of predominantly in equity and equity related securities of small & midcap Companies

SBI Small Cap Fund is a Equity - Small Cap fund was launched on 9 Sep 09. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 20.3% since its launch. Ranked 4 in Small Cap category. Return for 2022 was 8.1% , 2021 was 47.6% and 2020 was 33.6% .

Below is the key information for SBI Small Cap Fund

SBI Small Cap Fund Growth
Launch Date	9 Sep 09
NAV (22 Aug 23)	₹131.097 ↑ 1.29 (0.99 %)
Net Assets (Cr)	₹20,018 on 31 Jul 23
Category	Equity - Small Cap
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.8
Sharpe Ratio	1.48
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 Aug 18	₹10,000
31 Aug 19	₹8,609
31 Aug 20	₹10,121
31 Aug 21	₹16,965
31 Aug 22	₹19,827
31 Aug 23	₹23,630

SBI Small Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656 Invest Now

Returns for SBI Small Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23

Duration	Returns
1 Month	3.1%
3 Month	12.1%
6 Month	18.8%
1 Year	20.4%
3 Year	31.2%
5 Year	18.8%
10 Year
15 Year
Since launch	20.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2022	8.1%
2021	47.6%
2020	33.6%
2019	6.1%
2018	-19.6%
2017	78.7%
2016	1.3%
2015	20.6%
2014	110.7%
2013	7.8%

Fund Manager information for SBI Small Cap Fund

Name	Since	Tenure
R. Srinivasan	16 Nov 13	9.8 Yr.
Mohit Jain	25 Aug 22	1.02 Yr.

Data below for SBI Small Cap Fund as on 31 Jul 23

Equity Sector Allocation

Sector	Value
Industrials	33.29%
Consumer Cyclical	19.41%
Basic Materials	10.62%
Financial Services	8.65%
Consumer Defensive	4.44%
Health Care	3.02%
Utility	2.87%
Communication Services	2.03%
Real Estate	1.36%

Asset Allocation

Asset Class	Value
Cash	14.24%
Equity	85.68%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Blue Star Ltd (Industrials) Equity, Since 30 Jun 18 \| BLUESTARCO	3%	₹696 Cr	9,400,000
SBFC Finance Ltd (Financial Services) Equity, Since 31 Aug 23 \| -	3%	₹616 Cr	69,999,999 ↑ 69,999,999
Kalpataru Projects International Ltd (Industrials) Equity, Since 31 May 20 \| KPIL	3%	₹594 Cr	9,000,000
Carborundum Universal Ltd (Industrials) Equity, Since 31 May 19 \| CARBORUNIV	3%	₹561 Cr	4,939,842
Finolex Industries Ltd (Industrials) Equity, Since 31 Aug 20 \| FINPIPE	3%	₹560 Cr	23,395,569
Lemon Tree Hotels Ltd (Consumer Cyclical) Equity, Since 30 Sep 19 \| LEMONTREE	3%	₹546 Cr	50,000,000
CMS Info Systems Ltd (Industrials) Equity, Since 31 Dec 21 \| 543441	3%	₹542 Cr	15,000,000
Chalet Hotels Ltd (Consumer Cyclical) Equity, Since 31 Jan 19 \| CHALET	3%	₹536 Cr	9,716,991
V-Guard Industries Ltd (Industrials) Equity, Since 31 Aug 20 \| VGUARD	3%	₹534 Cr	17,000,000
Krishna Institute of Medical Sciences Ltd (Healthcare) Equity, Since 30 Jun 23 \| 543308	2%	₹493 Cr	2,464,798

सर्वश्रेष्ठ एसआईपी निवेश कैसे चुनें?

ऐसे कई म्युचुअल फंड हैं जो आपको SIP के माध्यम से निवेश करने की अनुमति देते हैं। लेकिन मुख्य समस्या का चयन कर रहा हैसर्वश्रेष्ठ म्युचुअल फंड एसआईपी के लिए। हालांकि सर्वश्रेष्ठ म्युचुअल फंड एक व्यक्ति से दूसरे व्यक्ति में भिन्न हो सकते हैं, नीचे कुछ बिंदुओं की सूची दी गई है, जिन्हें निवेशक सर्वश्रेष्ठ एसआईपी म्यूचुअल फंड चुनने से पहले विचार कर सकते हैं।

एसआईपी निवेश के उद्देश्य को समझें

जब निवेश की बात आती है, तो हम में से प्रत्येक का एक अलग उद्देश्य होता है। इसलिए एसआईपी के माध्यम से म्यूचुअल फंड में निवेश करने से पहले, अपने निवेश लक्ष्यों की स्पष्ट तस्वीर प्राप्त करने की सलाह दी जाती है औरजोखिम प्रोफाइल. आम तौर पर,इक्विटी म्यूचुअल फंड लंबी अवधि के उद्देश्यों के लिए फायदेमंद माना जाता है जबकिमुद्रा बाजार तथाडेट फंड अल्पकालिक उद्देश्यों के लिए उपयुक्त हैं।

जानिए फंड हाउस

एसआईपी रिटर्न का एक बड़ा हिस्सा आपकी ओर से आपके पैसे का प्रबंधन करने वाले फंड हाउस पर निर्भर करता है। यदि फंड हाउस अपने उद्देश्य में विफल रहता है, तो आप अपना पैसा खो देंगे। यह सुनिश्चित करने के लिए कि आपके पास सबसे अच्छा एसआईपी प्लान है, एक प्रतिष्ठित फंड हाउस चुनें।

एसआईपी म्यूचुअल फंड के फंड प्रदर्शन की निगरानी करें

मूल कारणों में से एक जिसके कारण लोगम्युचुअल फंड में निवेश एसआईपी के जरिए पैसा कमाना है। इसलिए, सबसे अच्छा फंड चुनने और फिर सर्वश्रेष्ठ एसआईपी योजनाओं में निवेश करने के लिए समय के साथ फंड के प्रदर्शन का विश्लेषण करना महत्वपूर्ण है। आमतौर पर, इक्विटी म्युचुअल फंड के लिए लंबी अवधि के प्रदर्शन को देखा जाता है, जबकि ऋण के लिए म्युचुअल फंड कम से मध्य अवधि के रिटर्न पर विचार किया जाता है।

एसआईपी के भार और आवर्ती व्यय का विश्लेषण करें

अंतिम लेकिन कम से कम, एक्जिट लोड और व्यय अनुपात यदि एक निर्दिष्ट अवधि (आमतौर पर लॉक-इन अवधि कहा जाता है) से पहले भुनाया गया निवेश।

इसलिए, इन मापदंडों को ध्यान में रखते हुए सर्वश्रेष्ठ एसआईपी योजनाओं को चुनने की सलाह दी जाती है। निवेश करने से पहले सोचें!

एसआईपी कैलकुलेटर (एसआईपी रिटर्न कैलकुलेटर)

के लियेवित्तीय योजना, SIP कैलकुलेटर या SIP रिटर्न कैलकुलेटर सबसे अच्छे टूल में से एक है।

यह देखने के लिए कि कंपाउंडिंग की शक्ति से आपका एसआईपी कैसे बढ़ता है, नीचे दिए गए उदाहरण पर विचार करें।

मासिक निवेश	निवेश की समयावधि	निवेश की गई कुल राशि	अंतिम मूल्य @ 14% प्रति वर्ष
1,000	5 साल	60,000	87,200
1,000	10 वर्ष	1,20,000	2,62,091
1,000	पन्द्रह साल	1,80,000	6,12,853

उपरोक्त तालिका में उल्लेख किया गया है कि यदि आप एक एसआईपी म्यूचुअल फंड में प्रति माह INR 1,000 का निवेश करते हैं, तो 5 वर्षों में आपका कुल निवेश INR 60,000 होगा और आपका SIP 14% प्रति वर्ष के अनुमानित रिटर्न प्रतिशत पर वापस आएगा। होने वालाINR 87,2001, क्रमश। इसी प्रकार, 10 वर्षों में कुल निवेश होगाINR 1,20,000 और 14% प्रति वर्ष के अनुमानित प्रतिशत पर एसआईपी रिटर्न। होने वालाINR 2,62,091.

इसी तरह 15 साल में होगा निवेशINR 1,80,000 और 14% प्रति वर्ष के रिटर्न प्रतिशत पर अंतिम मूल्य होगाINR 6,12,853, क्रमश।

तो, एक महीने में केवल 1,000 रुपये का निवेश करके, देखें कि आने वाले वर्षों में आपका पैसा कैसे बढ़ेगा। निवेश करने के लिए सबसे अच्छा एसआईपी म्यूचुअल फंड चुनते समय उपरोक्त गणनाओं पर विचार करें।

पूछे जाने वाले प्रश्न

1. एसआईपी क्या है?

ए: एसआईपी या सिस्टेमैटिक इन्वेस्टमेंट प्लान एक म्यूचुअल फंड स्कीम के तहत पेश किया जाने वाला एक निवेश मार्ग है, जहां नियमित अंतराल पर इस योजना के तहत एक निश्चित राशि का निवेश किया जाता है। यह किस्त 500 रुपये जितनी छोटी हो सकती है।

2. एसआईपी के क्या लाभ हैं?

ए: SIP का प्राथमिक लाभ यह है कि यह निवेश को अधिक अनुशासित बनाता है। यह निवेशक को बनाने की अनुमति देता हैवित्तीय योजना उपयोगी है और निवेशक को निवेशक में निवेश करने की आदत विकसित करने में मदद करता है।

3. SIP में कौन निवेश कर सकता है?

ए: SIP में कोई भी निवेश कर सकता है। लेकिन, आपको अपना जोखिम विश्लेषण करना चाहिए, इसका मतलब यह है कि आप कितना जोखिम उठाना चाहते हैं। इसके अलावा, शुरू करने के लिए, आपको पैन विवरण, पता प्रमाण और . की आवश्यकता होगीबैंक विवरण।

4. SIP में ऑफलाइन मोड में निवेश करने के लिए क्या कदम उठाए गए हैं?

ए: ऑफलाइन मोड में निवेश करने के लिए, आपको आवेदन पत्र भरना होगा, मासिक या त्रैमासिक एसआईपी राशि के लिए एक चेक जमा करना होगा, इसकी एक प्रति प्रदान करनी होगी।पैन कार्ड, पते का प्रमाण, और आपके बैंक विवरण के प्रमाण के रूप में रद्द किया गया चेक।

5. मुझे आईसीआईसीआई प्रूडेंशियल टेक्नोलॉजी फंड में निवेश क्यों करना चाहिए?

ए: आईसीआईसीआई प्रूडेंशियल टेक्नोलॉजी फंड ने 3 मार्च 2000 को लॉन्च होने के बाद से 11.9% का रिटर्न दिखाया है। अन्य फंडों के विपरीत, वर्ष 2020 में, इसने 70.6% का रिटर्न स्थापित किया है। इसलिए, आईसीआईसीआई प्रूडेंशियल टेक्नोलॉजी फंड में निवेश करना सार्थक साबित हुआ है और पांच साल के लिए एसआईपी में निवेश किया है।

6. मुझे एसबीआई ब्लूचिप फंड रेगुलर ग्रोथ में निवेश क्यों करना चाहिए?

ए: एसबीआई ब्लूचिप फंड रेगुलर ग्रोथ ने पांच साल की विकास दर दिखाई है5.29%है, जो अपेक्षाकृत अधिक है।

7. एसआईपी में निवेश करते समय आपको क्या विचार करना चाहिए?

ए: जब आप एसआईपी में निवेश करते हैं, तो आपको नेट एसेट वैल्यू पर विचार करना चाहिए यानहीं हैं. यह वह निवेश है जो आप योजना के लिए करते हैं। आपको इसकी रेटिंग और इसके ऐतिहासिक प्रदर्शन की भी जांच करनी चाहिए। यह सुनिश्चित करने के लिए कि आपका निवेश सुरक्षित है, एसआईपी से मिलने वाले रिटर्न को समझना आवश्यक है।

8. क्या केवाईसी एसआईपी के लिए महत्वपूर्ण है?

ए: हां, केवाईसी एसआईपी के लिए भी जरूरी है। चूंकि एसआईपी म्यूचुअल फंड की योजना के अंतर्गत आता है, इसलिए आपको एसआईपी में निवेश करने के लिए केवाईसी दस्तावेज उपलब्ध कराने होंगे।

9. क्या एसआईपी में निवेश की न्यूनतम आवश्यकता होती है?

ए: हां, कुछ एसआईपी में न्यूनतम निवेश की आवश्यकता होती है। उदाहरण के लिए, आदित्य बिड़ला सन लाइफ डिजिटल इंडिया फंड में न्यूनतम एसआईपी निवेश की आवश्यकता 1000 रुपये है। एसबीआई ब्लूचिप फंड रेगुलर ग्रोथ के लिए न्यूनतम आवश्यकता 5000 रुपये है। इस प्रकार, आप जिस एसआईपी में निवेश कर रहे हैं, उसके आधार पर आपको अपनी निवेश राशि बढ़ानी होगी।

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।