3 साल के निवेश के लिए सर्वश्रेष्ठ एसआईपी योजनाएं 2022

Updated on January 19, 2026 , 91793 views

सर्वश्रेष्ठ एसआईपी योजनाएं? उन्हें कैसे चुनें? ये कुछ सामान्य प्रश्न हैं जो सोचते समय निवेशकों के मन में उठते हैंम्यूचुअल फंड में निवेश किसी के जरिएसिप या व्यवस्थितनिवेश योजना.एसआईपी निवेश सबसे अनुशासित में से एक हैनिवेश में निवेश करते समय विकल्पम्यूचुअल फंड्स. इसके अलावा, एक एसआईपी म्युचुअल फंड में निवेश की न्यूनतम राशि INR 500 जितनी कम है। यह निवेश करता हैशीर्ष एसआईपी बहुत सुविधाजनक योजनाएँ।

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वित्तीय वर्ष 22 - 23 में 3 साल के निवेश के लिए सर्वश्रेष्ठ एसआईपी योजनाएं

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Invesco India Growth Opportunities Fund Growth	₹94.87 ↓ -0.37	₹9,344	-9.1	-7.7	7.6	21.9	17	4.7
Bandhan Core Equity Fund Growth	₹133.986 ↓ -0.85	₹13,636	-3.2	-0.7	9.2	21.9	19.8	7.5
IDBI India Top 100 Equity Fund Growth	₹44.16 ↑ 0.05	₹655	9.2	12.5	15.4	21.9	12.6
Motilal Oswal Multicap 35 Fund Growth	₹57.992 ↓ -0.77	₹13,862	-7.8	-8.1	2.1	21	13.3	-5.6
UTI Core Equity Fund Growth	₹181.096 ↓ -0.91	₹5,635	-0.3	-0.5	8.4	20.7	19.8	7.4
Nippon India Value Fund Growth	₹224.303 ↓ -1.29	₹9,153	-3.4	-1.8	6.3	20.7	19.6	4.2
HDFC Equity Fund Growth	₹2,033.88 ↓ -10.18	₹96,295	-1.9	2.4	13.3	20.6	21.9	11.4
ICICI Prudential Large & Mid Cap Fund Growth	₹1,010.59 ↓ -3.65	₹27,745	-2.7	0.4	10.2	19.9	21.1	14.4
ICICI Prudential Value Discovery Fund Growth	₹480.83 ↓ -2.19	₹61,272	-0.6	2.2	11.7	19.8	21.1	13.8
Nippon India Multi Cap Fund Growth	₹283.438 ↓ -1.13	₹50,352	-7.1	-6.3	4.1	19.6	22.6	4.1
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	Invesco India Growth Opportunities Fund	Bandhan Core Equity Fund	IDBI India Top 100 Equity Fund	Motilal Oswal Multicap 35 Fund	UTI Core Equity Fund	Nippon India Value Fund	HDFC Equity Fund	ICICI Prudential Large & Mid Cap Fund	ICICI Prudential Value Discovery Fund	Nippon India Multi Cap Fund
Point 1	Lower mid AUM (₹9,344 Cr).	Lower mid AUM (₹13,636 Cr).	Bottom quartile AUM (₹655 Cr).	Upper mid AUM (₹13,862 Cr).	Bottom quartile AUM (₹5,635 Cr).	Bottom quartile AUM (₹9,153 Cr).	Highest AUM (₹96,295 Cr).	Upper mid AUM (₹27,745 Cr).	Top quartile AUM (₹61,272 Cr).	Upper mid AUM (₹50,352 Cr).
Point 2	Established history (18+ yrs).	Established history (20+ yrs).	Established history (13+ yrs).	Established history (11+ yrs).	Established history (16+ yrs).	Established history (20+ yrs).	Oldest track record among peers (31 yrs).	Established history (27+ yrs).	Established history (21+ yrs).	Established history (20+ yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 3★ (upper mid).	Rating: 5★ (top quartile).	Rating: 3★ (upper mid).	Not Rated.	Rating: 3★ (lower mid).	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 17.05% (bottom quartile).	5Y return: 19.84% (upper mid).	5Y return: 12.61% (bottom quartile).	5Y return: 13.32% (bottom quartile).	5Y return: 19.75% (lower mid).	5Y return: 19.61% (lower mid).	5Y return: 21.86% (top quartile).	5Y return: 21.09% (upper mid).	5Y return: 21.12% (upper mid).	5Y return: 22.62% (top quartile).
Point 6	3Y return: 21.92% (top quartile).	3Y return: 21.90% (top quartile).	3Y return: 21.88% (upper mid).	3Y return: 21.01% (upper mid).	3Y return: 20.75% (upper mid).	3Y return: 20.68% (lower mid).	3Y return: 20.60% (lower mid).	3Y return: 19.91% (bottom quartile).	3Y return: 19.75% (bottom quartile).	3Y return: 19.60% (bottom quartile).
Point 7	1Y return: 7.56% (lower mid).	1Y return: 9.22% (upper mid).	1Y return: 15.39% (top quartile).	1Y return: 2.12% (bottom quartile).	1Y return: 8.40% (lower mid).	1Y return: 6.27% (bottom quartile).	1Y return: 13.29% (top quartile).	1Y return: 10.23% (upper mid).	1Y return: 11.65% (upper mid).	1Y return: 4.14% (bottom quartile).
Point 8	Alpha: -3.20 (bottom quartile).	Alpha: -0.51 (upper mid).	Alpha: 2.11 (upper mid).	Alpha: -12.91 (bottom quartile).	Alpha: -0.64 (lower mid).	Alpha: -3.34 (bottom quartile).	Alpha: 3.70 (upper mid).	Alpha: 6.09 (top quartile).	Alpha: 5.80 (top quartile).	Alpha: -1.30 (lower mid).
Point 9	Sharpe: 0.01 (lower mid).	Sharpe: 0.16 (upper mid).	Sharpe: 1.09 (top quartile).	Sharpe: -0.51 (bottom quartile).	Sharpe: 0.15 (lower mid).	Sharpe: -0.07 (bottom quartile).	Sharpe: 0.53 (upper mid).	Sharpe: 0.74 (top quartile).	Sharpe: 0.74 (upper mid).	Sharpe: -0.05 (bottom quartile).
Point 10	Information ratio: 0.75 (lower mid).	Information ratio: 1.23 (upper mid).	Information ratio: 0.14 (bottom quartile).	Information ratio: 0.54 (bottom quartile).	Information ratio: 0.92 (upper mid).	Information ratio: 1.54 (top quartile).	Information ratio: 1.24 (top quartile).	Information ratio: 0.42 (bottom quartile).	Information ratio: 0.97 (upper mid).	Information ratio: 0.64 (lower mid).

Invesco India Growth Opportunities Fund

Lower mid AUM (₹9,344 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 17.05% (bottom quartile).
3Y return: 21.92% (top quartile).
1Y return: 7.56% (lower mid).
Alpha: -3.20 (bottom quartile).
Sharpe: 0.01 (lower mid).
Information ratio: 0.75 (lower mid).

Bandhan Core Equity Fund

Lower mid AUM (₹13,636 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 19.84% (upper mid).
3Y return: 21.90% (top quartile).
1Y return: 9.22% (upper mid).
Alpha: -0.51 (upper mid).
Sharpe: 0.16 (upper mid).
Information ratio: 1.23 (upper mid).

IDBI India Top 100 Equity Fund

Bottom quartile AUM (₹655 Cr).
Established history (13+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 12.61% (bottom quartile).
3Y return: 21.88% (upper mid).
1Y return: 15.39% (top quartile).
Alpha: 2.11 (upper mid).
Sharpe: 1.09 (top quartile).
Information ratio: 0.14 (bottom quartile).

Motilal Oswal Multicap 35 Fund

Upper mid AUM (₹13,862 Cr).
Established history (11+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderately High.
5Y return: 13.32% (bottom quartile).
3Y return: 21.01% (upper mid).
1Y return: 2.12% (bottom quartile).
Alpha: -12.91 (bottom quartile).
Sharpe: -0.51 (bottom quartile).
Information ratio: 0.54 (bottom quartile).

UTI Core Equity Fund

Bottom quartile AUM (₹5,635 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 19.75% (lower mid).
3Y return: 20.75% (upper mid).
1Y return: 8.40% (lower mid).
Alpha: -0.64 (lower mid).
Sharpe: 0.15 (lower mid).
Information ratio: 0.92 (upper mid).

Nippon India Value Fund

Bottom quartile AUM (₹9,153 Cr).
Established history (20+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 19.61% (lower mid).
3Y return: 20.68% (lower mid).
1Y return: 6.27% (bottom quartile).
Alpha: -3.34 (bottom quartile).
Sharpe: -0.07 (bottom quartile).
Information ratio: 1.54 (top quartile).

HDFC Equity Fund

Highest AUM (₹96,295 Cr).
Oldest track record among peers (31 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 21.86% (top quartile).
3Y return: 20.60% (lower mid).
1Y return: 13.29% (top quartile).
Alpha: 3.70 (upper mid).
Sharpe: 0.53 (upper mid).
Information ratio: 1.24 (top quartile).

ICICI Prudential Large & Mid Cap Fund

Upper mid AUM (₹27,745 Cr).
Established history (27+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 21.09% (upper mid).
3Y return: 19.91% (bottom quartile).
1Y return: 10.23% (upper mid).
Alpha: 6.09 (top quartile).
Sharpe: 0.74 (top quartile).
Information ratio: 0.42 (bottom quartile).

ICICI Prudential Value Discovery Fund

Top quartile AUM (₹61,272 Cr).
Established history (21+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 21.12% (upper mid).
3Y return: 19.75% (bottom quartile).
1Y return: 11.65% (upper mid).
Alpha: 5.80 (top quartile).
Sharpe: 0.74 (upper mid).
Information ratio: 0.97 (upper mid).

Nippon India Multi Cap Fund

Upper mid AUM (₹50,352 Cr).
Established history (20+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 22.62% (top quartile).
3Y return: 19.60% (bottom quartile).
1Y return: 4.14% (bottom quartile).
Alpha: -1.30 (lower mid).
Sharpe: -0.05 (bottom quartile).
Information ratio: 0.64 (lower mid).

*नीचे दिए गए फंड सबसे अच्छा विचार कर रहे हैंसीएजीआर 3 साल से अधिक के लिए रिटर्न और कम से कम फंड वाले फंडमंडी 1 वर्ष का इतिहास (फंड की आयु) और प्रबंधन के तहत न्यूनतम 500 करोड़ की संपत्ति 3 साल के फंड की अवधि के रूप में है। सुझाए गए मल्टी कैप, लार्ज कैप, लार्ज और से हैंमध्यम दर्जे की कंपनियों के शेयर और मूल्य उप श्रेणियां।

1. Invesco India Growth Opportunities Fund

(Erstwhile Invesco India Growth Fund)

The investment objective of the Scheme is to generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities. However, there can be no assurance that the objectives of the scheme will be achieved.

Research Highlights for Invesco India Growth Opportunities Fund

Lower mid AUM (₹9,344 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 17.05% (bottom quartile).
3Y return: 21.92% (top quartile).
1Y return: 7.56% (lower mid).
Alpha: -3.20 (bottom quartile).
Sharpe: 0.01 (lower mid).
Information ratio: 0.75 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding InterGlobe Aviation Ltd (~5.9%).

Below is the key information for Invesco India Growth Opportunities Fund

Invesco India Growth Opportunities Fund Growth
Launch Date	9 Aug 07
NAV (21 Jan 26)	₹94.87 ↓ -0.37 (-0.39 %)
Net Assets (Cr)	₹9,344 on 31 Dec 25
Category	Equity - Large & Mid Cap
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.82
Sharpe Ratio	0.01
Information Ratio	0.75
Alpha Ratio	-3.2
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	₹12,966
31 Dec 22	₹12,918
31 Dec 23	₹16,995
31 Dec 24	₹23,365
31 Dec 25	₹24,461

Invesco India Growth Opportunities 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 Invesco India Growth 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	-6.2%
3 Month	-9.1%
6 Month	-7.7%
1 Year	7.6%
3 Year	21.9%
5 Year	17%
10 Year
15 Year
Since launch	13%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	4.7%
2023	37.5%
2022	31.6%
2021	-0.4%
2020	29.7%
2019	13.3%
2018	10.7%
2017	-0.2%
2016	39.6%
2015	3.3%

Fund Manager information for Invesco India Growth Opportunities Fund

Name	Since	Tenure
Aditya Khemani	9 Nov 23	2.15 Yr.
Amit Ganatra	21 Jan 22	3.95 Yr.

Data below for Invesco India Growth Opportunities Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	29.54%
Consumer Cyclical	20.26%
Health Care	18.77%
Industrials	12.01%
Real Estate	7.06%
Technology	5.35%
Basic Materials	3.04%
Communication Services	1.72%

Asset Allocation

Asset Class	Value
Cash	2.23%
Equity	97.75%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Mar 24 \| INDIGO	6%	₹553 Cr	1,092,986 ↑ 295,420
Max Healthcare Institute Ltd Ordinary Shares (Healthcare) Equity, Since 30 Nov 22 \| MAXHEALTH	5%	₹510 Cr	4,882,227 ↑ 283,767
Eternal Ltd (Consumer Cyclical) Equity, Since 30 Jun 23 \| 543320	5%	₹458 Cr	16,475,309
Swiggy Ltd (Consumer Cyclical) Equity, Since 30 Nov 24 \| SWIGGY	5%	₹425 Cr	11,008,816 ↑ 359,967
L&T Finance Ltd (Financial Services) Equity, Since 30 Apr 24 \| LTF	5%	₹424 Cr	13,404,597
Trent Ltd (Consumer Cyclical) Equity, Since 28 Feb 22 \| 500251	5%	₹421 Cr	983,522
Cholamandalam Investment and Finance Co Ltd (Financial Services) Equity, Since 28 Feb 23 \| CHOLAFIN	4%	₹417 Cr	2,449,413
BSE Ltd (Financial Services) Equity, Since 31 Oct 23 \| BSE	4%	₹416 Cr	1,580,775
Sai Life Sciences Ltd (Healthcare) Equity, Since 31 Dec 24 \| SAILIFE	4%	₹389 Cr	4,283,799
The Federal Bank Ltd (Financial Services) Equity, Since 30 Nov 22 \| FEDERALBNK	4%	₹372 Cr	13,936,080 ↑ 2,198,584

2. Bandhan Core Equity Fund

(Erstwhile IDFC Classic Equity Fund)

The investment objective of the Scheme is to seek to generate long term capital growth from a diversified portfolio of predominantly equity and equity related instruments. However, there is no assurance or guarantee that the objectives of the scheme will be realized.

Research Highlights for Bandhan Core Equity Fund

Lower mid AUM (₹13,636 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 19.84% (upper mid).
3Y return: 21.90% (top quartile).
1Y return: 9.22% (upper mid).
Alpha: -0.51 (upper mid).
Sharpe: 0.16 (upper mid).
Information ratio: 1.23 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~4.5%).

Below is the key information for Bandhan Core Equity Fund

Bandhan Core Equity Fund Growth
Launch Date	9 Aug 05
NAV (21 Jan 26)	₹133.986 ↓ -0.85 (-0.63 %)
Net Assets (Cr)	₹13,636 on 31 Dec 25
Category	Equity - Large & Mid Cap
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.81
Sharpe Ratio	0.16
Information Ratio	1.23
Alpha Ratio	-0.51
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	₹13,408
31 Dec 22	₹14,337
31 Dec 23	₹19,532
31 Dec 24	₹25,155
31 Dec 25	₹27,042

Bandhan Core Equity 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 Bandhan Core Equity 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	-3.6%
3 Month	-3.2%
6 Month	-0.7%
1 Year	9.2%
3 Year	21.9%
5 Year	19.8%
10 Year
15 Year
Since launch	13.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	28.8%
2022	36.2%
2021	6.9%
2020	34.1%
2019	12.9%
2018	3.7%
2017	-5.1%
2016	37.3%
2015	8%

Fund Manager information for Bandhan Core Equity Fund

Name	Since	Tenure
Manish Gunwani	28 Jan 23	2.93 Yr.
Ritika Behera	7 Oct 23	2.24 Yr.
Gaurav Satra	7 Jun 24	1.57 Yr.
Rahul Agarwal	28 Aug 23	2.35 Yr.

Data below for Bandhan Core Equity Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	32.98%
Technology	11.25%
Industrials	10.68%
Health Care	8.96%
Basic Materials	6.66%
Consumer Cyclical	6.09%
Communication Services	5.76%
Consumer Defensive	4.98%
Energy	3.78%
Real Estate	3.63%
Utility	1.33%

Asset Allocation

Asset Class	Value
Cash	3.89%
Equity	96.1%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 12 \| HDFCBANK	4%	₹610 Cr	6,155,393
State Bank of India (Financial Services) Equity, Since 30 Apr 25 \| SBIN	3%	₹428 Cr	4,353,876 ↑ 25,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 24 \| 532215	3%	₹400 Cr	3,149,489 ↑ 375,000
HDFC Asset Management Co Ltd (Financial Services) Equity, Since 28 Feb 25 \| HDFCAMC	3%	₹391 Cr	1,463,478 ↑ 40,000
One97 Communications Ltd (Technology) Equity, Since 31 Mar 24 \| 543396	3%	₹384 Cr	2,955,400
ICICI Bank Ltd (Financial Services) Equity, Since 29 Feb 16 \| 532174	2%	₹331 Cr	2,463,015
Info Edge (India) Ltd (Communication Services) Equity, Since 31 Mar 25 \| NAUKRI	2%	₹325 Cr	2,440,235 ↑ 425,744
Great Eastern Shipping Co Ltd (Industrials) Equity, Since 30 Jun 25 \| GESHIP	2%	₹271 Cr	2,399,848 ↑ 325,000
ICICI Lombard General Insurance Co Ltd (Financial Services) Equity, Since 30 Apr 25 \| ICICIGI	2%	₹267 Cr	1,359,947 ↑ 125,000
Hindustan Zinc Ltd (Basic Materials) Equity, Since 31 Dec 25 \| 500188	2%	₹263 Cr	4,300,000 ↑ 4,300,000

3. IDBI India Top 100 Equity Fund

The Investment objective of the Scheme is to provide investors with the opportunities for long-term capital appreciation by investing predominantly in Equity and Equity related Instruments of Large Cap companies. However there can be no assurance that the investment objective under the Scheme will be realized.

Research Highlights for IDBI India Top 100 Equity Fund

Bottom quartile AUM (₹655 Cr).
Established history (13+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 12.61% (bottom quartile).
3Y return: 21.88% (upper mid).
1Y return: 15.39% (top quartile).
Alpha: 2.11 (upper mid).
Sharpe: 1.09 (top quartile).
Information ratio: 0.14 (bottom quartile).

Below is the key information for IDBI India Top 100 Equity Fund

IDBI India Top 100 Equity Fund Growth
Launch Date	15 May 12
NAV (28 Jul 23)	₹44.16 ↑ 0.05 (0.11 %)
Net Assets (Cr)	₹655 on 30 Jun 23
Category	Equity - Large Cap
AMC	IDBI Asset Management Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.47
Sharpe Ratio	1.09
Information Ratio	0.14
Alpha Ratio	2.11
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	₹13,125
31 Dec 22	₹13,511

IDBI India Top 100 Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684 Invest Now

Returns for IDBI India Top 100 Equity 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%
3 Month	9.2%
6 Month	12.5%
1 Year	15.4%
3 Year	21.9%
5 Year	12.6%
10 Year
15 Year
Since launch	14.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for IDBI India Top 100 Equity Fund

Name	Since	Tenure

Data below for IDBI India Top 100 Equity Fund as on 30 Jun 23

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

4. Motilal Oswal Multicap 35 Fund

(Erstwhile Motilal Oswal MOSt Focused Multicap 35 Fund)

The investment objective of the Scheme is to achieve long term capital appreciation by primarily investing in a maximum of 35 equity & equity related instruments across sectors and market-capitalization levels.However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved.

Research Highlights for Motilal Oswal Multicap 35 Fund

Upper mid AUM (₹13,862 Cr).
Established history (11+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderately High.
5Y return: 13.32% (bottom quartile).
3Y return: 21.01% (upper mid).
1Y return: 2.12% (bottom quartile).
Alpha: -12.91 (bottom quartile).
Sharpe: -0.51 (bottom quartile).
Information ratio: 0.54 (bottom quartile).
Higher exposure to Technology vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~76%).
Largest holding Persistent Systems Ltd (~10.2%).

Below is the key information for Motilal Oswal Multicap 35 Fund

Motilal Oswal Multicap 35 Fund Growth
Launch Date	28 Apr 14
NAV (21 Jan 26)	₹57.992 ↓ -0.77 (-1.31 %)
Net Assets (Cr)	₹13,862 on 31 Dec 25
Category	Equity - Multi Cap
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.77
Sharpe Ratio	-0.51
Information Ratio	0.54
Alpha Ratio	-12.91
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	₹11,530
31 Dec 22	₹11,187
31 Dec 23	₹14,654
31 Dec 24	₹21,349
31 Dec 25	₹20,147

Motilal Oswal Multicap 35 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 Motilal Oswal Multicap 35 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	-5.1%
3 Month	-7.8%
6 Month	-8.1%
1 Year	2.1%
3 Year	21%
5 Year	13.3%
10 Year
15 Year
Since launch	16.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-5.6%
2023	45.7%
2022	31%
2021	-3%
2020	15.3%
2019	10.3%
2018	7.9%
2017	-7.8%
2016	43.1%
2015	8.5%

Fund Manager information for Motilal Oswal Multicap 35 Fund

Name	Since	Tenure
Ajay Khandelwal	1 Oct 24	1.25 Yr.
Niket Shah	1 Jul 22	3.51 Yr.
Rakesh Shetty	22 Nov 22	3.11 Yr.
Atul Mehra	1 Oct 24	1.25 Yr.
Sunil Sawant	1 Jul 24	1.5 Yr.

Data below for Motilal Oswal Multicap 35 Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Technology	22.19%
Industrials	15.89%
Consumer Cyclical	13.34%
Financial Services	12.91%
Communication Services	9.44%
Energy	2.24%
Consumer Defensive	0.27%

Asset Allocation

Asset Class	Value
Cash	23.73%
Equity	76.27%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Persistent Systems Ltd (Technology) Equity, Since 31 Mar 23 \| PERSISTENT	10%	₹1,411 Cr	2,249,513 ↓ -487
Coforge Ltd (Technology) Equity, Since 31 May 23 \| COFORGE	9%	₹1,247 Cr	7,500,000
Kalyan Jewellers India Ltd (Consumer Cyclical) Equity, Since 30 Sep 23 \| KALYANKJIL	7%	₹974 Cr	20,075,900 ↓ -3,424,100
Cholamandalam Investment and Finance Co Ltd (Financial Services) Equity, Since 31 Mar 23 \| CHOLAFIN	7%	₹933 Cr	5,480,348 ↓ -397,148
Polycab India Ltd (Industrials) Equity, Since 31 Jan 24 \| POLYCAB	7%	₹905 Cr	1,188,311 ↓ -275,250
ICICI Bank Ltd (Financial Services) Equity, Since 28 Feb 21 \| 532174	6%	₹853 Cr	6,353,221 ↑ 3,853,721
CG Power & Industrial Solutions Ltd (Industrials) Equity, Since 31 Jan 25 \| 500093	6%	₹770 Cr	11,879,369 ↓ -120,631
Eternal Ltd (Consumer Cyclical) Equity, Since 31 May 25 \| 543320	6%	₹765 Cr	27,525,000 ↓ -12,500,000
Bharti Airtel Ltd (Partly Paid Rs.1.25) (Communication Services) Equity, Since 30 Apr 24 \| 890157	5%	₹676 Cr	4,000,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 25 \| BHARTIARTL	5%	₹632 Cr	3,000,000

5. UTI Core Equity Fund

(Erstwhile UTI Top 100 Fund)

The fund aims to provide long term capital appreciation/dividend distribution by investing predominantly in equity and equity related instruments of top 100 stocks by market capitalisation. There can be no assurance that the investment objectives of the scheme will be realised.

Research Highlights for UTI Core Equity Fund

Bottom quartile AUM (₹5,635 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 19.75% (lower mid).
3Y return: 20.75% (upper mid).
1Y return: 8.40% (lower mid).
Alpha: -0.64 (lower mid).
Sharpe: 0.15 (lower mid).
Information ratio: 0.92 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding HDFC Bank Ltd (~5.4%).

Below is the key information for UTI Core Equity Fund

UTI Core Equity Fund Growth
Launch Date	20 May 09
NAV (21 Jan 26)	₹181.096 ↓ -0.91 (-0.50 %)
Net Assets (Cr)	₹5,635 on 31 Dec 25
Category	Equity - Large & Mid Cap
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.96
Sharpe Ratio	0.15
Information Ratio	0.92
Alpha Ratio	-0.64
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	₹14,076
31 Dec 22	₹14,720
31 Dec 23	₹19,789
31 Dec 24	₹25,171
31 Dec 25	₹27,036

UTI Core Equity 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 UTI Core Equity 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	-2.9%
3 Month	-0.3%
6 Month	-0.5%
1 Year	8.4%
3 Year	20.7%
5 Year	19.8%
10 Year
15 Year
Since launch	13.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	27.2%
2022	34.4%
2021	4.6%
2020	40.8%
2019	12.8%
2018	1.5%
2017	-7.9%
2016	35.2%
2015	3.4%

Fund Manager information for UTI Core Equity Fund

Name	Since	Tenure
V Srivatsa	17 May 17	8.63 Yr.

Data below for UTI Core Equity Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	27.98%
Consumer Cyclical	10.46%
Technology	10.3%
Energy	8.47%
Basic Materials	7.67%
Industrials	7.59%
Health Care	7.37%
Consumer Defensive	5.72%
Communication Services	5.49%
Real Estate	3.1%
Utility	2.03%

Asset Allocation

Asset Class	Value
Cash	3.82%
Equity	96.18%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 20 \| HDFCBANK	5%	₹302 Cr	3,049,721
Infosys Ltd (Technology) Equity, Since 28 Feb 06 \| INFY	3%	₹196 Cr	1,213,225 ↓ -50,962
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 06 \| 532174	3%	₹192 Cr	1,427,555
Reliance Industries Ltd (Energy) Equity, Since 29 Feb 20 \| RELIANCE	3%	₹175 Cr	1,116,380
Vedanta Ltd (Basic Materials) Equity, Since 30 Apr 24 \| 500295	3%	₹149 Cr	2,459,841 ↓ -125,000
Wipro Ltd (Technology) Equity, Since 30 Jun 24 \| 507685	3%	₹144 Cr	5,473,655 ↑ 200,000
ITC Ltd (Consumer Defensive) Equity, Since 31 Dec 08 \| ITC	3%	₹143 Cr	3,559,906
The Federal Bank Ltd (Financial Services) Equity, Since 30 Jun 17 \| FEDERALBNK	2%	₹134 Cr	5,018,275 ↓ -815,000
Indus Towers Ltd Ordinary Shares (Communication Services) Equity, Since 29 Feb 24 \| 534816	2%	₹129 Cr	3,074,620
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Mar 14 \| LT	2%	₹122 Cr	299,956

6. Nippon India Value Fund

(Erstwhile Reliance Regular Savings Fund - Equity Plan)

The primary investment objective of this Option is to seek capital appreciation and/or to generate consistent returns by actively investing in equity/equity related securities.

Research Highlights for Nippon India Value Fund

Bottom quartile AUM (₹9,153 Cr).
Established history (20+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 19.61% (lower mid).
3Y return: 20.68% (lower mid).
1Y return: 6.27% (bottom quartile).
Alpha: -3.34 (bottom quartile).
Sharpe: -0.07 (bottom quartile).
Information ratio: 1.54 (top quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding HDFC Bank Ltd (~8.7%).

Below is the key information for Nippon India Value Fund

Nippon India Value Fund Growth
Launch Date	8 Jun 05
NAV (21 Jan 26)	₹224.303 ↓ -1.29 (-0.57 %)
Net Assets (Cr)	₹9,153 on 31 Dec 25
Category	Equity - Value
AMC	Nippon Life Asset Management Ltd.
Rating	Not Rated
Risk	Moderately High
Expense Ratio	1.84
Sharpe Ratio	-0.07
Information Ratio	1.54
Alpha Ratio	-3.34
Min Investment	500
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	₹13,940
31 Dec 22	₹14,606
31 Dec 23	₹20,796
31 Dec 24	₹25,440
31 Dec 25	₹26,500

Nippon India Value 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 Nippon India Value 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	-2.9%
3 Month	-3.4%
6 Month	-1.8%
1 Year	6.3%
3 Year	20.7%
5 Year	19.6%
10 Year
15 Year
Since launch	16.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	4.2%
2023	22.3%
2022	42.4%
2021	4.8%
2020	39.4%
2019	16.3%
2018	5.7%
2017	-8.4%
2016	45.7%
2015	-1.6%

Fund Manager information for Nippon India Value Fund

Name	Since	Tenure
Meenakshi Dawar	7 May 18	7.66 Yr.
Dhrumil Shah	1 Jan 23	3 Yr.
Kinjal Desai	25 May 18	7.61 Yr.
Lokesh Maru	5 Sep 25	0.32 Yr.
Divya Sharma	5 Sep 25	0.32 Yr.

Data below for Nippon India Value Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	34.98%
Technology	14.26%
Basic Materials	8.92%
Consumer Cyclical	8.87%
Industrials	8.8%
Energy	7.27%
Utility	5.38%
Health Care	4.14%
Communication Services	3.3%
Consumer Defensive	1.02%
Real Estate	0.36%

Asset Allocation

Asset Class	Value
Cash	2.7%
Equity	97.3%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Jun 13 \| HDFCBANK	9%	₹801 Cr	8,079,200
Vedanta Ltd (Basic Materials) Equity, Since 30 Apr 24 \| 500295	4%	₹363 Cr	6,009,092 ↑ 500,000
Infosys Ltd (Technology) Equity, Since 31 Oct 11 \| INFY	4%	₹327 Cr	2,022,594 ↓ -178,185
State Bank of India (Financial Services) Equity, Since 28 Feb 15 \| SBIN	3%	₹320 Cr	3,261,159
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 18 \| 532174	3%	₹310 Cr	2,304,797
Reliance Industries Ltd (Energy) Equity, Since 31 Mar 18 \| RELIANCE	3%	₹302 Cr	1,920,396
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 25 \| KOTAKBANK	3%	₹293 Cr	1,330,000
NTPC Ltd (Utilities) Equity, Since 31 May 22 \| 532555	3%	₹278 Cr	8,434,650
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 18 \| BHARTIARTL	3%	₹269 Cr	1,277,248
IndusInd Bank Ltd (Financial Services) Equity, Since 31 May 23 \| INDUSINDBK	3%	₹259 Cr	2,994,522

7. HDFC Equity Fund

Aims at providing capital appreciation through investments predominantly in equity oriented securities

Research Highlights for HDFC Equity Fund

Highest AUM (₹96,295 Cr).
Oldest track record among peers (31 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 21.86% (top quartile).
3Y return: 20.60% (lower mid).
1Y return: 13.29% (top quartile).
Alpha: 3.70 (upper mid).
Sharpe: 0.53 (upper mid).
Information ratio: 1.24 (top quartile).
Higher exposure to Financial Services vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~87%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~8.9%).

Below is the key information for HDFC Equity Fund

HDFC Equity Fund Growth
Launch Date	1 Jan 95
NAV (21 Jan 26)	₹2,033.88 ↓ -10.18 (-0.50 %)
Net Assets (Cr)	₹96,295 on 31 Dec 25
Category	Equity - Multi Cap
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.44
Sharpe Ratio	0.53
Information Ratio	1.24
Alpha Ratio	3.7
Min Investment	5,000
Min SIP Investment	300
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	₹13,617
31 Dec 22	₹16,108
31 Dec 23	₹21,038
31 Dec 24	₹25,978
31 Dec 25	₹28,947

HDFC Equity 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 HDFC Equity 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	-1.2%
3 Month	-1.9%
6 Month	2.4%
1 Year	13.3%
3 Year	20.6%
5 Year	21.9%
10 Year
15 Year
Since launch	18.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	11.4%
2023	23.5%
2022	30.6%
2021	18.3%
2020	36.2%
2019	6.4%
2018	6.8%
2017	-3.5%
2016	36.9%
2015	7.3%

Fund Manager information for HDFC Equity Fund

Name	Since	Tenure
Chirag Setalvad	8 Dec 25	0.07 Yr.
Dhruv Muchhal	22 Jun 23	2.53 Yr.

Data below for HDFC Equity Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	38.96%
Consumer Cyclical	15.22%
Health Care	7.46%
Technology	5.6%
Basic Materials	5.25%
Industrials	4.76%
Utility	2.5%
Communication Services	2.47%
Real Estate	2.36%
Energy	1.37%
Consumer Defensive	0.86%

Asset Allocation

Asset Class	Value
Cash	12.66%
Equity	86.81%
Debt	0.53%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| 532174	9%	₹8,595 Cr	64,000,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 13 \| HDFCBANK	8%	₹8,128 Cr	82,000,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 17 \| 532215	7%	₹6,855 Cr	54,000,000
State Bank of India (Financial Services) Equity, Since 31 Jan 03 \| SBIN	4%	₹4,322 Cr	44,000,000
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 31 Mar 21 \| SBILIFE	4%	₹4,070 Cr	20,000,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Oct 23 \| KOTAKBANK	4%	₹4,006 Cr	18,200,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Dec 23 \| MARUTI	3%	₹3,339 Cr	2,000,000
Cipla Ltd (Healthcare) Equity, Since 30 Sep 12 \| 500087	3%	₹3,174 Cr	21,000,000
HCL Technologies Ltd (Technology) Equity, Since 30 Sep 20 \| HCLTECH	3%	₹2,922 Cr	18,000,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 30 Sep 23 \| 532898	3%	₹2,408 Cr	91,000,000

8. ICICI Prudential Large & Mid Cap Fund

(Erstwhile ICICI Prudential Top 100 Fund)

To generate long-term capital appreciation from a portfolio that is invested predominantly in equity and equity related securities

Research Highlights for ICICI Prudential Large & Mid Cap Fund

Upper mid AUM (₹27,745 Cr).
Established history (27+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 21.09% (upper mid).
3Y return: 19.91% (bottom quartile).
1Y return: 10.23% (upper mid).
Alpha: 6.09 (top quartile).
Sharpe: 0.74 (top quartile).
Information ratio: 0.42 (bottom quartile).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding Axis Bank Ltd (~4.8%).

Below is the key information for ICICI Prudential Large & Mid Cap Fund

ICICI Prudential Large & Mid Cap Fund Growth
Launch Date	9 Jul 98
NAV (21 Jan 26)	₹1,010.59 ↓ -3.65 (-0.36 %)
Net Assets (Cr)	₹27,745 on 31 Dec 25
Category	Equity - Large & Mid Cap
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.71
Sharpe Ratio	0.74
Information Ratio	0.42
Alpha Ratio	6.09
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	₹14,180
31 Dec 22	₹15,839
31 Dec 23	₹20,580
31 Dec 24	₹24,775
31 Dec 25	₹28,339

ICICI Prudential Large & Mid 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 ICICI Prudential Large & Mid 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 21 Jan 26

Duration	Returns
1 Month	-2.9%
3 Month	-2.7%
6 Month	0.4%
1 Year	10.2%
3 Year	19.9%
5 Year	21.1%
10 Year
15 Year
Since launch	18.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	14.4%
2023	20.4%
2022	29.9%
2021	11.7%
2020	41.8%
2019	11.7%
2018	5.7%
2017	-6.2%
2016	29.8%
2015	10.3%

Fund Manager information for ICICI Prudential Large & Mid Cap Fund

Name	Since	Tenure
Ihab Dalwai	1 Jun 22	3.59 Yr.
Sharmila D’mello	31 Jul 22	3.42 Yr.

Data below for ICICI Prudential Large & Mid Cap Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	25.17%
Financial Services	24.1%
Industrials	9.4%
Basic Materials	8.22%
Consumer Defensive	8%
Technology	5.18%
Health Care	4.62%
Energy	3.87%
Communication Services	3.19%
Utility	1.85%
Real Estate	1.16%

Asset Allocation

Asset Class	Value
Cash	5.13%
Equity	94.86%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 21 \| 532215	5%	₹1,324 Cr	10,428,219 ↑ 9,248
SBI Cards and Payment Services Ltd Ordinary Shares (Financial Services) Equity, Since 30 Nov 22 \| 543066	4%	₹1,237 Cr	14,355,608 ↑ 865,687
FSN E-Commerce Ventures Ltd (Consumer Cyclical) Equity, Since 30 Apr 23 \| 543384	3%	₹969 Cr	36,545,252 ↓ -132,304
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 06 \| 532174	3%	₹874 Cr	6,505,477
Page Industries Ltd (Consumer Cyclical) Equity, Since 29 Feb 24 \| 532827	3%	₹870 Cr	241,430 ↑ 66,597
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Apr 22 \| MARUTI	3%	₹859 Cr	514,527 ↓ -95,750
IndusInd Bank Ltd (Financial Services) Equity, Since 31 Aug 24 \| INDUSINDBK	3%	₹788 Cr	9,114,259
Sona BLW Precision Forgings Ltd (Consumer Cyclical) Equity, Since 31 Aug 24 \| 543300	3%	₹781 Cr	16,281,365 ↑ 300,000
Alkem Laboratories Ltd (Healthcare) Equity, Since 31 May 22 \| ALKEM	2%	₹618 Cr	1,121,797
Infosys Ltd (Technology) Equity, Since 31 Dec 18 \| INFY	2%	₹609 Cr	3,769,676 ↓ -480,310

9. ICICI Prudential Value Discovery Fund

To generate returns through a combination of dividend income and capital appreciation by investing primarily in a well-diversified portfolio of value stocks. Value stocks are those, which have attractive valuations in relation to earnings or book value or current and/or future dividends.

Research Highlights for ICICI Prudential Value Discovery Fund

Top quartile AUM (₹61,272 Cr).
Established history (21+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 21.12% (upper mid).
3Y return: 19.75% (bottom quartile).
1Y return: 11.65% (upper mid).
Alpha: 5.80 (top quartile).
Sharpe: 0.74 (upper mid).
Information ratio: 0.97 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~8.4%).

Below is the key information for ICICI Prudential Value Discovery Fund

ICICI Prudential Value Discovery Fund Growth
Launch Date	16 Aug 04
NAV (21 Jan 26)	₹480.83 ↓ -2.19 (-0.45 %)
Net Assets (Cr)	₹61,272 on 31 Dec 25
Category	Equity - Value
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.55
Sharpe Ratio	0.74
Information Ratio	0.97
Alpha Ratio	5.8
Min Investment	1,000
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	₹13,852
31 Dec 22	₹15,923
31 Dec 23	₹20,922
31 Dec 24	₹25,103
31 Dec 25	₹28,562

ICICI Prudential Value Discovery 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 ICICI Prudential Value Discovery 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	-3.2%
3 Month	-0.6%
6 Month	2.2%
1 Year	11.7%
3 Year	19.8%
5 Year	21.1%
10 Year
15 Year
Since launch	19.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	13.8%
2023	20%
2022	31.4%
2021	15%
2020	38.5%
2019	22.9%
2018	0.6%
2017	-4.2%
2016	23.8%
2015	4.6%

Fund Manager information for ICICI Prudential Value Discovery Fund

Name	Since	Tenure
Sankaran Naren	18 Jan 21	4.96 Yr.
Dharmesh Kakkad	18 Jan 21	4.96 Yr.
Sharmila D’mello	30 Jun 22	3.51 Yr.
Masoomi Jhurmarvala	4 Nov 24	1.16 Yr.

Data below for ICICI Prudential Value Discovery Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	33.32%
Technology	12.74%
Health Care	10.4%
Energy	9.76%
Consumer Defensive	9.41%
Consumer Cyclical	5.99%
Utility	4.56%
Industrials	3.19%
Basic Materials	3.13%
Communication Services	1.67%

Asset Allocation

Asset Class	Value
Cash	5.77%
Equity	94.22%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 28 Feb 21 \| 532174	8%	₹5,140 Cr	38,278,164
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 23 \| RELIANCE	7%	₹4,186 Cr	26,657,283
HDFC Bank Ltd (Financial Services) Equity, Since 30 Jun 21 \| HDFCBANK	7%	₹4,128 Cr	41,642,327 ↑ 2,495,892
Infosys Ltd (Technology) Equity, Since 30 Sep 14 \| INFY	6%	₹3,623 Cr	22,426,207 ↓ -5,955,521
ITC Ltd (Consumer Defensive) Equity, Since 30 Sep 17 \| ITC	5%	₹3,180 Cr	78,901,331 ↑ 22,954,161
Tata Consultancy Services Ltd (Technology) Equity, Since 28 Feb 25 \| TCS	5%	₹2,826 Cr	8,815,008
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 31 May 16 \| SUNPHARMA	5%	₹2,803 Cr	16,298,476 ↑ 791,042
Axis Bank Ltd (Financial Services) Equity, Since 31 Aug 20 \| 532215	4%	₹2,540 Cr	20,006,091 ↑ 131,204
NTPC Ltd (Utilities) Equity, Since 30 Sep 14 \| 532555	4%	₹2,308 Cr	70,040,641 ↑ 1,020,051
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 31 May 21 \| SBILIFE	3%	₹1,950 Cr	9,583,134

10. Nippon India Multi Cap Fund

(Erstwhile Reliance Equity Opportunities Fund)

The primary investment objective of the scheme is to seek to generate capital appreciation & provide long-term growth opportunities by investing in a portfolio constituted of equity securities & equity related securities and the secondary objective is to generate consistent returns by investing in debt and money market securities.

Research Highlights for Nippon India Multi Cap Fund

Upper mid AUM (₹50,352 Cr).
Established history (20+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 22.62% (top quartile).
3Y return: 19.60% (bottom quartile).
1Y return: 4.14% (bottom quartile).
Alpha: -1.30 (lower mid).
Sharpe: -0.05 (bottom quartile).
Information ratio: 0.64 (lower mid).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding HDFC Bank Ltd (~5.4%).

Below is the key information for Nippon India Multi Cap Fund

Nippon India Multi Cap Fund Growth
Launch Date	28 Mar 05
NAV (21 Jan 26)	₹283.438 ↓ -1.13 (-0.40 %)
Net Assets (Cr)	₹50,352 on 31 Dec 25
Category	Equity - Multi Cap
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.57
Sharpe Ratio	-0.06
Information Ratio	0.64
Alpha Ratio	-1.3
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	₹14,891
31 Dec 22	₹16,994
31 Dec 23	₹23,474
31 Dec 24	₹29,536
31 Dec 25	₹30,734

Nippon India Multi Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 Invest Now

Returns for Nippon India Multi 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 21 Jan 26

Duration	Returns
1 Month	-5.2%
3 Month	-7.1%
6 Month	-6.3%
1 Year	4.1%
3 Year	19.6%
5 Year	22.6%
10 Year
15 Year
Since launch	17.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	4.1%
2023	25.8%
2022	38.1%
2021	14.1%
2020	48.9%
2019	0%
2018	2.2%
2017	-2.2%
2016	40.9%
2015	-6.7%

Fund Manager information for Nippon India Multi Cap Fund

Name	Since	Tenure
Sailesh Raj Bhan	31 Mar 05	20.77 Yr.
Ashutosh Bhargava	1 Sep 21	4.34 Yr.
Kinjal Desai	25 May 18	7.61 Yr.
Lokesh Maru	5 Sep 25	0.32 Yr.
Divya Sharma	5 Sep 25	0.32 Yr.

Data below for Nippon India Multi Cap Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	23.93%
Financial Services	23.31%
Industrials	16.17%
Health Care	9.48%
Basic Materials	5.74%
Utility	5.65%
Consumer Defensive	5.53%
Technology	5.19%
Energy	2.52%
Communication Services	1.44%

Asset Allocation

Asset Class	Value
Cash	1.03%
Equity	98.97%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 10 \| HDFCBANK	5%	₹2,733 Cr	27,569,796 ↑ 500,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Jan 15 \| 532215	4%	₹1,795 Cr	14,140,351
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| 532174	3%	₹1,478 Cr	11,009,000 ↑ 2,500,000
Infosys Ltd (Technology) Equity, Since 30 Apr 09 \| INFY	3%	₹1,444 Cr	8,939,713 ↓ -243,518
GE Vernova T&D India Ltd (Industrials) Equity, Since 31 May 12 \| 522275	3%	₹1,377 Cr	4,395,615 ↓ -401,443
Reliance Industries Ltd (Energy) Equity, Since 31 Oct 20 \| RELIANCE	3%	₹1,267 Cr	8,068,975 ↓ -1,500,000
Max Financial Services Ltd (Financial Services) Equity, Since 31 Mar 12 \| 500271	2%	₹1,203 Cr	7,196,331 ↓ -84,778
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Mar 10 \| LT	2%	₹1,014 Cr	2,482,390
NTPC Ltd (Utilities) Equity, Since 30 Jun 23 \| 532555	2%	₹981 Cr	29,762,573
ITC Ltd (Consumer Defensive) Equity, Since 31 May 25 \| ITC	2%	₹927 Cr	23,013,819

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।