+91-22-48913909एनआरआई भारत में म्यूचुअल फंड में कैसे निवेश कर सकते हैं?
म्यूचुअल फंड्स अनिवासी भारतीयों (एनआरआई) के लिए लाभ अर्जित करने और राष्ट्र के विकास में भाग लेने के लिए अच्छे निवेश विकल्प हैं। एनआरआई अपने अनुसार कई म्यूचुअल फंड योजनाओं में निवेश कर सकते हैंवित्तीय लक्ष्यों और उद्देश्य। म्यूचुअल फंड निवेश पोर्टफोलियो में विविधता लाने और समय के साथ इष्टतम रिटर्न अर्जित करने का एक बढ़िया विकल्प है। हालाँकि, कुछ महत्वपूर्ण दिशानिर्देश और नियम हैं जिनका पालन करने के लिए एक एनआरआई को भारत में म्यूचुअल फंड में अपना निवेश शुरू करने की आवश्यकता होती है।
अनिवासी भारतीयों के लिए म्युचुअल फंड में निवेश
प्रतिम्युचुअल फंड में निवेश भारत में किसी भारतीय के साथ निम्नलिखित में से कोई भी खाता खोलना चाहिएबैंक:
एनआरई खाता
यह अनिवासी बाहरी (एनआरई) खाता है जो बचत, चालू, स्थिर या के रूप में हो सकता हैआवर्ती जमा. आपको इस खाते में विदेशी मुद्रा जमा करनी होगी। भारतीय मुद्रा जमा करने में सक्षम होने के लिए, आपको एनआरओ खाता खोलना होगा। एनआरई खाते में लेनदेन राशि की कोई ऊपरी सीमा नहीं है।
एनआरओ खाता
एनआरओ या अनिवासी साधारण खाता बचत या चालू खाते के रूप में होता है जो एनआरआई के लिए उनके प्रबंधन के लिए होता है।आय भारत में अर्जित किया। एनआरओ खाते में जमा होने के बाद विदेशी मुद्रा भारतीय रुपये में परिवर्तित हो जाती है। एक एनआरओ खाता किसी अन्य एनआरआई के साथ-साथ निवासी भारतीय (करीबी रिश्तेदार) के साथ संयुक्त रूप से रखा जा सकता है।
एफसीएनआर खाता
यह विदेशी मुद्रा गैर-प्रत्यावर्तनीय खाता जमा के लिए है। इस खाते में, अनिवासी भारतीय अपना प्रेषण कर सकते हैंआय कनाडा की $, US$, यूरो, AU$, येन और पाउंड जैसी छह मुद्राओं में से एक में। अन्य एफसीएनआर या एनआरई खातों से फंड ट्रांसफर किया जा सकता है। FCNR में, मूलधन और ब्याज पर कोई टैक्स नहीं लगता है।
एक बार जब आप इनमें से कोई भी खाता खोलते हैं, तो आपको केवाईसी मानदंडों के तहत अपना केवाईसी (अपने ग्राहक को जानें) सफलतापूर्वक पूरा करना होगा, जो कि किसके द्वारा निर्धारित हैसेबी (भारतीय प्रतिभूति विनिमय बोर्ड)। कोई भी सेबी-पंजीकृत किसी भी इंटरमीडिएट के साथ अपना केवाईसी पूरा कर सकता है।
म्यूचुअल फंड में निवेश करने के लिए अनिवासी भारतीयों के लिए केवाईसी प्रक्रिया
आपकी केवाईसी प्रक्रिया को सफलतापूर्वक पूरा करने के लिए, अनिवासी भारतीयों को कुछ महत्वपूर्ण चरणों को पूरा करने और दस्तावेज प्रस्तुत करने की आवश्यकता है जैसे:
ए। केवाईसी फॉर्म
एक एनआरआई को जमा करना होगाकेवाईसी फॉर्म सेबी पंजीकृत इंटरमीडिएट में भरे गए सभी आवश्यक विवरण के साथ। दस्तावेजों को कूरियर/डाक द्वारा इंटरमीडिएट को भेजा जा सकता है।
बी। दस्तावेज़
निम्नलिखित आवश्यक दस्तावेज हैं जिन्हें जमा करने की आवश्यकता है:
- विदेशी पते का प्रमाण
- भारतीय निवासी पता प्रमाण
- हाल की एक तस्वीर
- पासपोर्ट की कॉपी
मर्चेंट नेवी में अनिवासी भारतीयों के मामले में, एक नाविक की घोषणा या निरंतर निर्वहन प्रमाणपत्र की प्रमाणित प्रति प्रस्तुत की जानी चाहिए।
बनाम प्रमाणपत्र
एनआरआई या पीआईओ (भारतीय मूल के व्यक्ति) भारत में पंजीकृत अनुसूचित वाणिज्यिक बैंकों की विदेशी शाखाओं के अधिकृत अधिकारियों, न्यायाधीश, कोर्ट मजिस्ट्रेट, सार्वजनिक नोटरी, या देश में भारतीय दूतावास / वाणिज्य दूतावास जनरल द्वारा प्रमाणित उपरोक्त दस्तावेज प्राप्त कर सकते हैं। स्थित हैं।
डी। व्यक्तिगत सत्यापन (आईपीवी) में
सेबी के नियमों के अनुसार केवाईसी प्रक्रिया के लिए आईपीवी अनिवार्य है। इंटरमीडिएट को एनआरआई/पीआईओ के आईपीवी का संचालन करना चाहिए।
कृपया ध्यान दें कि जमा करते समय उपरोक्त सभी दस्तावेज/प्रमाण अंग्रेजी भाषा में होने चाहिए।
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एनआरआई म्यूचुअल फंड कराधान
राजधानी वित्तीय वर्ष 2017-18 (आकलन वर्ष 2018-19) के लिए एनआरआई म्यूचुअल फंड निवेश पर लाभ कर की दरें नीचे दी गई हैं:
एनआरआईम्यूचुअल फंड पर कराधान-पूंजीगत लाभ कर की दरें- वित्तीय वर्ष 2017/2018 (आ.व.- 2018-19)
| म्यूचुअल फंड योजना के प्रकार | शॉर्ट टर्म कैपिटल गेन्स (STCG) | लॉन्ग टर्म कैपिटल गेन्स (LTCG) |
|---|---|---|
| इक्विटी फ़ंड- STCG- एक वर्ष से कम या उसके बराबर धारित इकाइयाँ, LTCG- एक वर्ष से अधिक धारित इकाइयाँ | 15% | शून्य |
| गैर-इक्विटी फंड- STCG- 3 साल या उससे कम के लिए धारित इकाइयाँ, LTCG- 3 साल से अधिक के लिए धारित इकाइयाँ | व्यक्ति के अनुसारआयकर ब्रैकेट | लिस्टेड फंड्स पर-20% (इंडेक्सेशन के साथ), अनलिस्टेड फंड्स- 10% (इंडेक्सेशन के बिना) |
लाभांश पर म्युचुअल फंड कराधान
इक्विटी फंड पर लाभांशइक्विटी फंड के लिए यूनिट होल्डर के हाथ में मिलने वाला डिविडेंड पूरी तरह से टैक्स फ्री होता है। लाभांश भी कर मुक्त हैएएमसी.
डेट फंड पर लाभांश: एएमसी को इस लाभांश आय को अपने यूनिट-धारकों को वितरित करने से पहले 28.84% का लाभांश वितरण कर (डीडीटी) देना होगा। a . द्वारा प्राप्त लाभांश आयडेट फंड यूनिट धारक भी कर मुक्त है।
नीचे निर्धारण वर्ष 2018-19 के लिए अनिवासी भारतीयों द्वारा एमएफ मोचन पर लागू टीडीएस दर है।
म्यूचुअल फंड पर एनआरआई कराधान- पूंजीगत लाभ कर दरें- वित्त वर्ष 2017/2018 (एवाई- 2018-19)
| एनआरआई और टीडीएस दर द्वारा म्युचुअल फंड मोचन | एसटीसीजी और टीडीएस दर | एलटीसीजी और टीडीएस दर |
|---|---|---|
| एमएफ योजना का प्रकार | ||
| इक्विटी ओरिएंटेड फंड | 15% | शून्य |
| ऋण निधि | 30% | लिस्टेड फंड्स पर- 20% (इंडेक्सेशन के साथ), अनलिस्टेड फंड्स- 10% (इंडेक्सेशन के बिना) |
अमेरिका/कनाडा को छोड़कर अनिवासी भारतीयों के लिए सर्वश्रेष्ठ प्रदर्शन करने वाले म्युचुअल फंड
Fund 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Sub Cat. Franklin India Short Term Income Plan - Retail Plan Growth 192.1 192.1 192.1 47.3 32.5 Short term Bond DSP World Gold Fund Growth 24 62.3 127.2 45.5 21.1 15.9 Global IDBI Gold Fund Growth 17.1 32.2 63.1 32.3 19.9 18.7 Gold SBI Gold Fund Growth 18.1 32.4 64.6 32.3 19.9 19.6 Gold ICICI Prudential Regular Gold Savings Fund Growth 18.1 32.4 64.2 32.2 19.8 19.5 Gold Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 May 25 Research Highlights & Commentary of 5 Funds showcased
Commentary Franklin India Short Term Income Plan - Retail Plan DSP World Gold Fund IDBI Gold Fund SBI Gold Fund ICICI Prudential Regular Gold Savings Fund Point 1 Bottom quartile AUM (₹13 Cr). Lower mid AUM (₹1,498 Cr). Bottom quartile AUM (₹465 Cr). Highest AUM (₹8,457 Cr). Upper mid AUM (₹3,770 Cr). Point 2 Oldest track record among peers (23 yrs). Established history (18+ yrs). Established history (13+ yrs). Established history (14+ yrs). Established history (14+ yrs). Point 3 Rating: 2★ (upper mid). Top rated. Not Rated. Rating: 2★ (lower mid). Rating: 1★ (bottom quartile). Point 4 Risk profile: Moderate. Risk profile: High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 1Y return: 192.10% (top quartile). 5Y return: 21.10% (upper mid). 5Y return: 19.89% (bottom quartile). 5Y return: 19.91% (lower mid). 5Y return: 19.80% (bottom quartile). Point 6 1M return: 192.10% (top quartile). 3Y return: 45.45% (upper mid). 3Y return: 32.34% (lower mid). 3Y return: 32.29% (bottom quartile). 3Y return: 32.25% (bottom quartile). Point 7 Sharpe: -90.89 (bottom quartile). 1Y return: 127.17% (upper mid). 1Y return: 63.05% (bottom quartile). 1Y return: 64.58% (lower mid). 1Y return: 64.24% (bottom quartile). Point 8 Information ratio: -2.42 (bottom quartile). Alpha: -4.16 (bottom quartile). 1M return: 3.67% (bottom quartile). 1M return: 3.65% (bottom quartile). 1M return: 3.71% (lower mid). Point 9 Yield to maturity (debt): 0.00% (top quartile). Sharpe: 1.83 (bottom quartile). Alpha: 0.00 (top quartile). Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Point 10 Modified duration: 0.00 yrs (top quartile). Information ratio: -1.04 (bottom quartile). Sharpe: 2.30 (lower mid). Sharpe: 2.42 (top quartile). Sharpe: 2.38 (upper mid). Franklin India Short Term Income Plan - Retail Plan
DSP World Gold Fund
IDBI Gold Fund
SBI Gold Fund
ICICI Prudential Regular Gold Savings Fund
*फंड की सूची पिछले 3 साल के रिटर्न पर आधारित है।
The objective of the Scheme is to provide investors stable returns by investing in fixed income securities. Below is the key information for Franklin India Short Term Income Plan - Retail Plan Returns up to 1 year are on "The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized." Research Highlights for DSP World Gold Fund Below is the key information for DSP World Gold Fund Returns up to 1 year are on The investment objective of the Scheme will be to generate returns that correspond closely to the returns generated by IDBI Gold Exchange Traded Fund (IDBI GOLD ETF). Research Highlights for IDBI Gold Fund Below is the key information for IDBI Gold Fund Returns up to 1 year are on The scheme seeks to provide returns that closely correspond to returns provided by SBI - ETF Gold (Previously known as SBI GETS). Research Highlights for SBI Gold Fund Below is the key information for SBI Gold Fund Returns up to 1 year are on ICICI Prudential Regular Gold Savings Fund (the Scheme) is a fund of funds scheme with the primary objective to generate returns by investing in units of ICICI Prudential Gold Exchange Traded Fund (IPru Gold ETF).
However, there can be no assurance that the investment objectives of the Scheme will be realized. Research Highlights for ICICI Prudential Regular Gold Savings Fund Below is the key information for ICICI Prudential Regular Gold Savings Fund Returns up to 1 year are on 1. Franklin India Short Term Income Plan - Retail Plan
Franklin India Short Term Income Plan - Retail Plan
Growth Launch Date 31 Jan 02 NAV (02 May 25) ₹15,041.3 ↑ 0.11 (0.00 %) Net Assets (Cr) ₹13 on 31 Mar 25 Category Debt - Short term Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆ Risk Moderate Expense Ratio 0 Sharpe Ratio -90.89 Information Ratio -2.42 Alpha Ratio -6.74 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (0.5%),1 Years and above(NIL) Yield to Maturity 0% Effective Maturity Modified Duration Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹11,710 30 Nov 22 ₹12,719 30 Nov 23 ₹13,658 30 Nov 24 ₹13,658
Purchase not allowed Returns for Franklin India Short Term Income Plan - Retail Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 May 25 Duration Returns 1 Month 192.1% 3 Month 192.1% 6 Month 192.1% 1 Year 192.1% 3 Year 47.3% 5 Year 32.5% 10 Year 15 Year Since launch 12.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Fund Manager information for Franklin India Short Term Income Plan - Retail Plan
Name Since Tenure Data below for Franklin India Short Term Income Plan - Retail Plan as on 31 Mar 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 2. DSP World Gold Fund
DSP World Gold Fund
Growth Launch Date 14 Sep 07 NAV (10 Dec 25) ₹49.6734 ↑ 0.69 (1.41 %) Net Assets (Cr) ₹1,498 on 31 Oct 25 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.41 Sharpe Ratio 1.83 Information Ratio -1.04 Alpha Ratio -4.16 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹9,903 30 Nov 22 ₹8,659 30 Nov 23 ₹9,599 30 Nov 24 ₹12,026 30 Nov 25 ₹27,573 Returns for DSP World Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 May 25 Duration Returns 1 Month 11.2% 3 Month 24% 6 Month 62.3% 1 Year 127.2% 3 Year 45.5% 5 Year 21.1% 10 Year 15 Year Since launch 9.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 15.9% 2023 7% 2022 -7.7% 2021 -9% 2020 31.4% 2019 35.1% 2018 -10.7% 2017 -4% 2016 52.7% 2015 -18.5% Fund Manager information for DSP World Gold Fund
Name Since Tenure Jay Kothari 1 Mar 13 12.68 Yr. Data below for DSP World Gold Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Basic Materials 95.15% Asset Allocation
Asset Class Value Cash 2.29% Equity 95.15% Debt 0.02% Other 2.54% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Gold I2
Investment Fund | -75% ₹1,127 Cr 1,347,933
↓ -108,097 VanEck Gold Miners ETF
- | GDX24% ₹367 Cr 573,719 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -2% ₹23 Cr Net Receivables/Payables
Net Current Assets | -1% -₹20 Cr 3. IDBI Gold Fund
IDBI Gold Fund
Growth Launch Date 14 Aug 12 NAV (11 Dec 25) ₹33.4972 ↑ 0.16 (0.48 %) Net Assets (Cr) ₹465 on 31 Oct 25 Category Gold - Gold AMC IDBI Asset Management Limited Rating Risk Moderately High Expense Ratio 0.64 Sharpe Ratio 2.3 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹9,703 30 Nov 22 ₹10,588 30 Nov 23 ₹12,417 30 Nov 24 ₹14,975 30 Nov 25 ₹24,232 Returns for IDBI Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 May 25 Duration Returns 1 Month 3.7% 3 Month 17.1% 6 Month 32.2% 1 Year 63.1% 3 Year 32.3% 5 Year 19.9% 10 Year 15 Year Since launch 9.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 18.7% 2023 14.8% 2022 12% 2021 -4% 2020 24.2% 2019 21.6% 2018 5.8% 2017 1.4% 2016 8.3% 2015 -8.7% Fund Manager information for IDBI Gold Fund
Name Since Tenure Sumit Bhatnagar 1 Jun 24 1.42 Yr. Data below for IDBI Gold Fund as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 1.22% Other 98.78% Top Securities Holdings / Portfolio
Name Holding Value Quantity LIC MF Gold ETF
- | -101% ₹467 Cr 430,952
↑ 77,308 Net Receivables / (Payables)
CBLO | -1% -₹5 Cr Treps
CBLO/Reverse Repo | -1% ₹2 Cr 4. SBI Gold Fund
SBI Gold Fund
Growth Launch Date 12 Sep 11 NAV (11 Dec 25) ₹37.718 ↑ 0.29 (0.77 %) Net Assets (Cr) ₹8,457 on 31 Oct 25 Category Gold - Gold AMC SBI Funds Management Private Limited Rating ☆☆ Risk Moderately High Expense Ratio 0.3 Sharpe Ratio 2.42 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 30 Nov 20 ₹10,000 30 Nov 21 ₹9,698 30 Nov 22 ₹10,538 30 Nov 23 ₹12,397 30 Nov 24 ₹14,960 30 Nov 25 ₹24,267 Returns for SBI Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 May 25 Duration Returns 1 Month 3.6% 3 Month 18.1% 6 Month 32.4% 1 Year 64.6% 3 Year 32.3% 5 Year 19.9% 10 Year 15 Year Since launch 9.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 19.6% 2023 14.1% 2022 12.6% 2021 -5.7% 2020 27.4% 2019 22.8% 2018 6.4% 2017 3.5% 2016 10% 2015 -8.1% Fund Manager information for SBI Gold Fund
Name Since Tenure Raviprakash Sharma 12 Sep 11 14.15 Yr. Data below for SBI Gold Fund as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 1.29% Other 98.71% Top Securities Holdings / Portfolio
Name Holding Value Quantity SBI Gold ETF
- | -100% ₹8,472 Cr 820,885,088
↑ 102,960,417 Net Receivable / Payable
CBLO | -1% -₹90 Cr Treps
CBLO/Reverse Repo | -1% ₹74 Cr 5. ICICI Prudential Regular Gold Savings Fund
ICICI Prudential Regular Gold Savings Fund
Growth Launch Date 11 Oct 11 NAV (11 Dec 25) ₹39.9542 ↑ 0.32 (0.81 %) Net Assets (Cr) ₹3,770 on 31 Oct 25 Category Gold - Gold AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderately High Expense Ratio 0.38 Sharpe Ratio 2.38 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-15 Months (2%),15 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹9,688 30 Nov 22 ₹10,449 30 Nov 23 ₹12,281 30 Nov 24 ₹14,858 30 Nov 25 ₹24,046 Returns for ICICI Prudential Regular Gold Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 May 25 Duration Returns 1 Month 3.7% 3 Month 18.1% 6 Month 32.4% 1 Year 64.2% 3 Year 32.2% 5 Year 19.8% 10 Year 15 Year Since launch 10.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 19.5% 2023 13.5% 2022 12.7% 2021 -5.4% 2020 26.6% 2019 22.7% 2018 7.4% 2017 0.8% 2016 8.9% 2015 -5.1% Fund Manager information for ICICI Prudential Regular Gold Savings Fund
Name Since Tenure Manish Banthia 27 Sep 12 13.1 Yr. Nishit Patel 29 Dec 20 4.84 Yr. Ashwini Bharucha 1 Nov 25 0 Yr. Venus Ahuja 1 Nov 25 0 Yr. Data below for ICICI Prudential Regular Gold Savings Fund as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 1.4% Other 98.6% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Pru Gold ETF
- | -100% ₹3,768 Cr 364,653,102
↑ 33,144,958 Treps
CBLO/Reverse Repo | -1% ₹23 Cr Net Current Assets
Net Current Assets | -1% -₹21 Cr
यूएस/कनाडा से अनिवासी भारतीयों के लिए सर्वश्रेष्ठ प्रदर्शन करने वाले म्युचुअल फंड
Fund 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Sub Cat. UTI Transportation & Logistics Fund Growth 0.5 12.9 13.7 24.5 23 18.7 Sectoral UTI Healthcare Fund Growth -3.3 0.7 -1.2 23.9 15.7 42.9 Sectoral Sundaram Mid Cap Fund Growth 1.4 2.4 -0.2 22.7 23.2 32 Mid Cap Sundaram Global Advantage Fund Growth 8.2 17 21.8 21.2 13.1 13.1 Global UTI Core Equity Fund Growth 3.3 3 1.6 20.9 22.1 27.2 Large & Mid Cap Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 11 Dec 25 Research Highlights & Commentary of 5 Funds showcased
Commentary UTI Transportation & Logistics Fund UTI Healthcare Fund Sundaram Mid Cap Fund Sundaram Global Advantage Fund UTI Core Equity Fund Point 1 Lower mid AUM (₹4,008 Cr). Bottom quartile AUM (₹1,125 Cr). Highest AUM (₹13,236 Cr). Bottom quartile AUM (₹145 Cr). Upper mid AUM (₹5,291 Cr). Point 2 Established history (21+ yrs). Oldest track record among peers (26 yrs). Established history (23+ yrs). Established history (18+ yrs). Established history (16+ yrs). Point 3 Rating: 3★ (upper mid). Rating: 1★ (bottom quartile). Top rated. Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Point 4 Risk profile: High. Risk profile: High. Risk profile: Moderately High. Risk profile: High. Risk profile: Moderately High. Point 5 5Y return: 23.00% (upper mid). 5Y return: 15.74% (bottom quartile). 5Y return: 23.22% (top quartile). 5Y return: 13.15% (bottom quartile). 5Y return: 22.10% (lower mid). Point 6 3Y return: 24.50% (top quartile). 3Y return: 23.90% (upper mid). 3Y return: 22.70% (lower mid). 3Y return: 21.16% (bottom quartile). 3Y return: 20.88% (bottom quartile). Point 7 1Y return: 13.73% (upper mid). 1Y return: -1.23% (bottom quartile). 1Y return: -0.23% (bottom quartile). 1Y return: 21.81% (top quartile). 1Y return: 1.55% (lower mid). Point 8 Alpha: 0.00 (top quartile). Alpha: -0.28 (bottom quartile). Alpha: -0.05 (lower mid). Alpha: 0.00 (upper mid). Alpha: -2.90 (bottom quartile). Point 9 Sharpe: 0.60 (upper mid). Sharpe: -0.18 (bottom quartile). Sharpe: 0.08 (lower mid). Sharpe: 1.43 (top quartile). Sharpe: -0.12 (bottom quartile). Point 10 Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.16 (upper mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.67 (top quartile). UTI Transportation & Logistics Fund
UTI Healthcare Fund
Sundaram Mid Cap Fund
Sundaram Global Advantage Fund
UTI Core Equity Fund
*फंड की सूची पिछले 3 साल के रिटर्न पर आधारित है।
Investment Objective is “capital appreciation” through investments in stocks of the companies engaged in the transportation and logistics sector. Research Highlights for UTI Transportation & Logistics Fund Below is the key information for UTI Transportation & Logistics Fund Returns up to 1 year are on (Erstwhile UTI Pharma & Healthcare Fund) The Investment objective of the Scheme is capital appreciation through investments in equities and equity related instruments of the Pharma & Healthcare sectors. Research Highlights for UTI Healthcare Fund Below is the key information for UTI Healthcare Fund Returns up to 1 year are on (Erstwhile Sundaram Select Midcap Fund) To achieve capital appreciation by investing
in diversified stocks that are generally termed
as mid-caps. Research Highlights for Sundaram Mid Cap Fund Below is the key information for Sundaram Mid Cap Fund Returns up to 1 year are on To achieve capital appreciation by investing in
units of overseas mutual funds and exchange
traded funds, domestic money market
instruments. Income generation may only be
a secondary objective. Research Highlights for Sundaram Global Advantage Fund Below is the key information for Sundaram Global Advantage Fund Returns up to 1 year are on (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 Below is the key information for UTI Core Equity Fund Returns up to 1 year are on 1. UTI Transportation & Logistics Fund
UTI Transportation & Logistics Fund
Growth Launch Date 11 Apr 04 NAV (11 Dec 25) ₹292.676 ↑ 2.45 (0.85 %) Net Assets (Cr) ₹4,008 on 31 Oct 25 Category Equity - Sectoral AMC UTI Asset Management Company Ltd Rating ☆☆☆ Risk High Expense Ratio 1.93 Sharpe Ratio 0.6 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 30 Nov 20 ₹10,000 30 Nov 21 ₹12,512 30 Nov 22 ₹15,441 30 Nov 23 ₹19,543 30 Nov 24 ₹25,175 30 Nov 25 ₹29,452 Returns for UTI Transportation & Logistics Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Dec 25 Duration Returns 1 Month 0.1% 3 Month 0.5% 6 Month 12.9% 1 Year 13.7% 3 Year 24.5% 5 Year 23% 10 Year 15 Year Since launch 16.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 18.7% 2023 40.1% 2022 14.7% 2021 24.3% 2020 11% 2019 -8.7% 2018 -19.5% 2017 39.6% 2016 4.8% 2015 5.7% Fund Manager information for UTI Transportation & Logistics Fund
Name Since Tenure Sachin Trivedi 22 Sep 16 9.11 Yr. Data below for UTI Transportation & Logistics Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Consumer Cyclical 79.11% Industrials 13.88% Asset Allocation
Asset Class Value Cash 5.18% Equity 94.65% Debt 0.13% Top Securities Holdings / Portfolio
Name Holding Value Quantity Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 30 Apr 04 | M&M14% ₹559 Cr 1,604,386
↑ 28,711 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 30 Apr 04 | MARUTI11% ₹423 Cr 261,576
↓ -2,437 Eicher Motors Ltd (Consumer Cyclical)
Equity, Since 30 Nov 08 | EICHERMOT10% ₹389 Cr 554,527 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Jul 21 | 5433207% ₹270 Cr 8,494,093
↑ 419,678 InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 May 18 | INDIGO5% ₹201 Cr 357,935
↓ -30,056 Bajaj Auto Ltd (Consumer Cyclical)
Equity, Since 30 Apr 18 | 5329775% ₹189 Cr 212,504 Hero MotoCorp Ltd (Consumer Cyclical)
Equity, Since 31 Mar 12 | HEROMOTOCO5% ₹182 Cr 327,739 Hyundai Motor India Ltd (Consumer Cyclical)
Equity, Since 31 Oct 24 | HYUNDAI4% ₹173 Cr 711,342
↑ 125,000 Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 May 13 | ADANIPORTS4% ₹156 Cr 1,076,157 TVS Motor Co Ltd (Consumer Cyclical)
Equity, Since 30 Sep 19 | 5323434% ₹142 Cr 403,430 2. UTI Healthcare Fund
UTI Healthcare Fund
Growth Launch Date 28 Jun 99 NAV (11 Dec 25) ₹286.235 ↑ 1.60 (0.56 %) Net Assets (Cr) ₹1,125 on 31 Oct 25 Category Equity - Sectoral AMC UTI Asset Management Company Ltd Rating ☆ Risk High Expense Ratio 2.26 Sharpe Ratio -0.18 Information Ratio 0 Alpha Ratio -0.28 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 30 Nov 20 ₹10,000 30 Nov 21 ₹12,244 30 Nov 22 ₹11,512 30 Nov 23 ₹14,895 30 Nov 24 ₹21,543 30 Nov 25 ₹21,790 Returns for UTI Healthcare Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Dec 25 Duration Returns 1 Month -0.9% 3 Month -3.3% 6 Month 0.7% 1 Year -1.2% 3 Year 23.9% 5 Year 15.7% 10 Year 15 Year Since launch 14.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 42.9% 2023 38.2% 2022 -12.3% 2021 19.1% 2020 67.4% 2019 1.2% 2018 -7.5% 2017 6.2% 2016 -9.7% 2015 12.4% Fund Manager information for UTI Healthcare Fund
Name Since Tenure Kamal Gada 2 May 22 3.5 Yr. Data below for UTI Healthcare Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Health Care 97.05% Basic Materials 1.08% Asset Allocation
Asset Class Value Cash 1.88% Equity 98.12% Top Securities Holdings / Portfolio
Name Holding Value Quantity Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Oct 06 | SUNPHARMA10% ₹110 Cr 650,000
↓ -11,016 Ajanta Pharma Ltd (Healthcare)
Equity, Since 31 Jul 17 | 5323316% ₹70 Cr 285,000
↑ 35,000 Lupin Ltd (Healthcare)
Equity, Since 28 Feb 25 | 5002576% ₹63 Cr 319,570
↑ 49,570 Glenmark Pharmaceuticals Ltd (Healthcare)
Equity, Since 31 Mar 24 | 5322964% ₹46 Cr 245,000
↑ 35,000 Cipla Ltd (Healthcare)
Equity, Since 31 Jan 03 | 5000874% ₹42 Cr 280,000
↓ -120,000 Procter & Gamble Health Ltd (Healthcare)
Equity, Since 31 Dec 20 | PGHL4% ₹41 Cr 67,014
↓ -2,306 Gland Pharma Ltd (Healthcare)
Equity, Since 30 Nov 20 | GLAND4% ₹41 Cr 213,141
↑ 13,844 Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 30 Apr 21 | APOLLOHOSP4% ₹41 Cr 53,000 Dr Reddy's Laboratories Ltd (Healthcare)
Equity, Since 28 Feb 18 | DRREDDY4% ₹40 Cr 335,000 Alkem Laboratories Ltd (Healthcare)
Equity, Since 31 May 21 | ALKEM4% ₹40 Cr 72,000 3. Sundaram Mid Cap Fund
Sundaram Mid Cap Fund
Growth Launch Date 30 Jul 02 NAV (11 Dec 25) ₹1,414.36 ↑ 8.20 (0.58 %) Net Assets (Cr) ₹13,236 on 31 Oct 25 Category Equity - Mid Cap AMC Sundaram Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.75 Sharpe Ratio 0.08 Information Ratio 0.16 Alpha Ratio -0.05 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 30 Nov 20 ₹10,000 30 Nov 21 ₹14,134 30 Nov 22 ₹15,433 30 Nov 23 ₹19,952 30 Nov 24 ₹27,745 30 Nov 25 ₹29,475 Returns for Sundaram Mid Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Dec 25 Duration Returns 1 Month -1.5% 3 Month 1.4% 6 Month 2.4% 1 Year -0.2% 3 Year 22.7% 5 Year 23.2% 10 Year 15 Year Since launch 23.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 32% 2023 40.4% 2022 4.8% 2021 37.5% 2020 11.8% 2019 -0.3% 2018 -15.4% 2017 40.8% 2016 11.3% 2015 11.2% Fund Manager information for Sundaram Mid Cap Fund
Name Since Tenure S. Bharath 24 Feb 21 4.69 Yr. Ratish Varier 24 Feb 21 4.69 Yr. Data below for Sundaram Mid Cap Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Financial Services 20.32% Consumer Cyclical 16.05% Industrials 14.56% Health Care 10.39% Basic Materials 9.54% Consumer Defensive 6.08% Technology 5.69% Real Estate 3.78% Utility 2.46% Communication Services 2.21% Energy 2.21% Asset Allocation
Asset Class Value Cash 6.43% Equity 93.55% Other 0% Top Securities Holdings / Portfolio
Name Holding Value Quantity Cummins India Ltd (Industrials)
Equity, Since 31 Dec 17 | 5004804% ₹553 Cr 1,273,753 Mahindra & Mahindra Financial Services Ltd (Financial Services)
Equity, Since 31 Jan 24 | M&MFIN3% ₹376 Cr 11,920,703 Fortis Healthcare Ltd (Healthcare)
Equity, Since 31 Dec 21 | 5328433% ₹367 Cr 3,592,166
↓ -199,021 Coromandel International Ltd (Basic Materials)
Equity, Since 30 Nov 10 | 5063953% ₹364 Cr 1,712,601 GE Vernova T&D India Ltd (Industrials)
Equity, Since 30 Sep 24 | 5222753% ₹358 Cr 1,179,542 IDFC First Bank Ltd (Financial Services)
Equity, Since 30 Jun 25 | IDFCFIRSTB2% ₹311 Cr 37,978,844
↑ 366,859 Indian Bank (Financial Services)
Equity, Since 31 Jul 23 | 5328142% ₹295 Cr 3,438,637
↓ -163,632 Hindustan Petroleum Corp Ltd (Energy)
Equity, Since 31 Oct 21 | HINDPETRO2% ₹292 Cr 6,144,382 Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 31 Mar 21 | KALYANKJIL2% ₹284 Cr 5,565,334
↑ 134,599 The Federal Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | FEDERALBNK2% ₹281 Cr 11,865,970
↓ -478,676 4. Sundaram Global Advantage Fund
Sundaram Global Advantage Fund
Growth Launch Date 24 Aug 07 NAV (10 Dec 25) ₹39.7755 ↑ 0.24 (0.60 %) Net Assets (Cr) ₹145 on 31 Oct 25 Category Equity - Global AMC Sundaram Asset Management Company Ltd Rating ☆☆ Risk High Expense Ratio 1.07 Sharpe Ratio 1.43 Information Ratio 0 Alpha Ratio 0 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 30 Nov 20 ₹10,000 30 Nov 21 ₹11,871 30 Nov 22 ₹10,641 30 Nov 23 ₹13,011 30 Nov 24 ₹14,830 30 Nov 25 ₹18,411 Returns for Sundaram Global Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Dec 25 Duration Returns 1 Month 2.4% 3 Month 8.2% 6 Month 17% 1 Year 21.8% 3 Year 21.2% 5 Year 13.1% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 13.1% 2023 30.1% 2022 -15.4% 2021 18.5% 2020 21.4% 2019 17.6% 2018 -8.1% 2017 19.8% 2016 12.8% 2015 -14.2% Fund Manager information for Sundaram Global Advantage Fund
Name Since Tenure Pathanjali Srinivasan 1 Apr 24 1.59 Yr. Data below for Sundaram Global Advantage Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Technology 35.32% Consumer Cyclical 20.49% Financial Services 14.49% Communication Services 13.02% Consumer Defensive 9.48% Industrials 4.6% Asset Allocation
Asset Class Value Cash 2.6% Equity 97.4% Top Securities Holdings / Portfolio
Name Holding Value Quantity Sundaram Global Brand Master
Investment Fund | -97% ₹141 Cr 8,718,570
↑ 184,783 Treps
CBLO/Reverse Repo | -4% ₹5 Cr Cash And Other Net Current Assets
CBLO | -1% -₹1 Cr 5. UTI Core Equity Fund
UTI Core Equity Fund
Growth Launch Date 20 May 09 NAV (11 Dec 25) ₹185.013 ↑ 0.82 (0.44 %) Net Assets (Cr) ₹5,291 on 31 Oct 25 Category Equity - Large & Mid Cap AMC UTI Asset Management Company Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 1.96 Sharpe Ratio -0.12 Information Ratio 0.67 Alpha Ratio -2.9 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 30 Nov 20 ₹10,000 30 Nov 21 ₹14,834 30 Nov 22 ₹16,142 30 Nov 23 ₹19,792 30 Nov 24 ₹26,966 30 Nov 25 ₹28,676 Returns for UTI Core Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Dec 25 Duration Returns 1 Month 0.4% 3 Month 3.3% 6 Month 3% 1 Year 1.6% 3 Year 20.9% 5 Year 22.1% 10 Year 15 Year Since launch 13.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 27.2% 2023 34.4% 2022 4.6% 2021 40.8% 2020 12.8% 2019 1.5% 2018 -7.9% 2017 35.2% 2016 3.4% 2015 0.5% Fund Manager information for UTI Core Equity Fund
Name Since Tenure V Srivatsa 17 May 17 8.46 Yr. Data below for UTI Core Equity Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Financial Services 28.65% Consumer Cyclical 10.69% Technology 10.15% Industrials 8.36% Energy 8.26% Basic Materials 7.68% Health Care 7.63% Consumer Defensive 5.83% Communication Services 5.02% Real Estate 2.51% Utility 2.08% Asset Allocation
Asset Class Value Cash 3.15% Equity 96.85% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 20 | HDFCBANK6% ₹301 Cr 3,049,721
↓ -95,405 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Nov 06 | ICICIBANK4% ₹192 Cr 1,427,555 Infosys Ltd (Technology)
Equity, Since 28 Feb 06 | INFY3% ₹181 Cr 1,219,187
↑ 106,000 Reliance Industries Ltd (Energy)
Equity, Since 29 Feb 20 | RELIANCE3% ₹166 Cr 1,116,380
↑ 76,979 ITC Ltd (Consumer Defensive)
Equity, Since 31 Dec 08 | ITC3% ₹150 Cr 3,559,906
↑ 255,000 The Federal Bank Ltd (Financial Services)
Equity, Since 30 Jun 17 | FEDERALBNK3% ₹138 Cr 5,833,275
↓ -190,200 Aditya Birla Capital Ltd (Financial Services)
Equity, Since 31 Aug 22 | ABCAPITAL2% ₹128 Cr 3,950,761 Vedanta Ltd (Basic Materials)
Equity, Since 30 Apr 24 | 5002952% ₹128 Cr 2,584,841 Wipro Ltd (Technology)
Equity, Since 30 Jun 24 | 5076852% ₹127 Cr 5,273,655
↑ 495,407 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Mar 14 | LT2% ₹117 Cr 290,715
↑ 34,884
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।
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Research Highlights for Franklin India Short Term Income Plan - Retail Plan