एनआरआई भारत में म्यूचुअल फंड में कैसे निवेश कर सकते हैं?

Updated on September 10, 2025 , 3659 views

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	33.4	66.6	94	44	13	15.9	Global
SBI PSU Fund Growth	-1.4	14	-4	28.5	30.6	23.5	Sectoral
Franklin India Opportunities Fund Growth	3.2	18.9	1.5	28.4	29.2	37.3	Sectoral
Invesco India PSU Equity Fund Growth	-1.4	19.5	-4.7	28.3	28.5	25.6	Sectoral
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	SBI PSU Fund	Franklin India Opportunities Fund	Invesco India PSU Equity Fund
Point 1	Bottom quartile AUM (₹13 Cr).	Bottom quartile AUM (₹1,212 Cr).	Upper mid AUM (₹5,278 Cr).	Highest AUM (₹7,376 Cr).	Lower mid AUM (₹1,391 Cr).
Point 2	Established history (23+ yrs).	Established history (18+ yrs).	Established history (15+ yrs).	Oldest track record among peers (25 yrs).	Established history (15+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Top rated.	Rating: 2★ (bottom quartile).	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).
Point 4	Risk profile: Moderate.	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.
Point 5	1Y return: 192.10% (top quartile).	5Y return: 13.01% (bottom quartile).	5Y return: 30.55% (upper mid).	5Y return: 29.17% (lower mid).	5Y return: 28.51% (bottom quartile).
Point 6	1M return: 192.10% (top quartile).	3Y return: 44.04% (upper mid).	3Y return: 28.54% (lower mid).	3Y return: 28.42% (bottom quartile).	3Y return: 28.32% (bottom quartile).
Point 7	Sharpe: -90.89 (bottom quartile).	1Y return: 94.04% (upper mid).	1Y return: -4.02% (bottom quartile).	1Y return: 1.51% (lower mid).	1Y return: -4.72% (bottom quartile).
Point 8	Information ratio: -2.42 (bottom quartile).	Alpha: 2.80 (upper mid).	Alpha: 0.19 (bottom quartile).	Alpha: 1.79 (lower mid).	Alpha: 5.70 (top quartile).
Point 9	Yield to maturity (debt): 0.00% (top quartile).	Sharpe: 1.56 (top quartile).	Sharpe: -0.78 (bottom quartile).	Sharpe: -0.30 (upper mid).	Sharpe: -0.57 (lower mid).
Point 10	Modified duration: 0.00 yrs (top quartile).	Information ratio: -0.56 (bottom quartile).	Information ratio: -0.27 (upper mid).	Information ratio: 1.83 (top quartile).	Information ratio: -0.30 (lower mid).

Franklin India Short Term Income Plan - Retail Plan

Bottom quartile AUM (₹13 Cr).
Established history (23+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 192.10% (top quartile).
1M return: 192.10% (top quartile).
Sharpe: -90.89 (bottom quartile).
Information ratio: -2.42 (bottom quartile).
Yield to maturity (debt): 0.00% (top quartile).
Modified duration: 0.00 yrs (top quartile).

DSP World Gold Fund

Bottom quartile AUM (₹1,212 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 13.01% (bottom quartile).
3Y return: 44.04% (upper mid).
1Y return: 94.04% (upper mid).
Alpha: 2.80 (upper mid).
Sharpe: 1.56 (top quartile).
Information ratio: -0.56 (bottom quartile).

SBI PSU Fund

Upper mid AUM (₹5,278 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 30.55% (upper mid).
3Y return: 28.54% (lower mid).
1Y return: -4.02% (bottom quartile).
Alpha: 0.19 (bottom quartile).
Sharpe: -0.78 (bottom quartile).
Information ratio: -0.27 (upper mid).

Franklin India Opportunities Fund

Highest AUM (₹7,376 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 29.17% (lower mid).
3Y return: 28.42% (bottom quartile).
1Y return: 1.51% (lower mid).
Alpha: 1.79 (lower mid).
Sharpe: -0.30 (upper mid).
Information ratio: 1.83 (top quartile).

Invesco India PSU Equity Fund

Lower mid AUM (₹1,391 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 28.51% (bottom quartile).
3Y return: 28.32% (bottom quartile).
1Y return: -4.72% (bottom quartile).
Alpha: 5.70 (top quartile).
Sharpe: -0.57 (lower mid).
Information ratio: -0.30 (lower mid).

*फंड की सूची पिछले 3 साल के रिटर्न पर आधारित है।

1. Franklin India Short Term Income Plan - Retail Plan

The objective of the Scheme is to provide investors stable returns by investing in fixed income securities.

Research Highlights for Franklin India Short Term Income Plan - Retail Plan

Bottom quartile AUM (₹13 Cr).
Established history (23+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 192.10% (top quartile).
1M return: 192.10% (top quartile).
Sharpe: -90.89 (bottom quartile).
Information ratio: -2.42 (bottom quartile).
Yield to maturity (debt): 0.00% (top quartile).
Modified duration: 0.00 yrs (top quartile).
Average maturity: 0.00 yrs (top quartile).
Exit load: 0-1 Years (0.5%),1 Years and above(NIL).

Below is the key information for 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
31 Aug 20	₹10,000
31 Aug 21	₹11,291
31 Aug 22	₹13,279
31 Aug 23	₹14,459
31 Aug 24	₹14,459

Franklin India Short Term Income Plan - Retail Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹287,982.
Net Profit of ₹107,982 Invest Now

Purchase not allowed

Returns for Franklin India Short Term Income Plan - Retail Plan

Returns up to 1 year are on 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

"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

Bottom quartile AUM (₹1,212 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 13.01% (bottom quartile).
3Y return: 44.04% (upper mid).
1Y return: 94.04% (upper mid).
Alpha: 2.80 (upper mid).
Sharpe: 1.56 (top quartile).
Information ratio: -0.56 (bottom quartile).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding BGF World Gold I2 (~77.7%).
Top-3 holdings concentration ~100.1%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (11 Sep 25)	₹40.4078 ↑ 0.35 (0.87 %)
Net Assets (Cr)	₹1,212 on 31 Jul 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	1.56
Information Ratio	-0.56
Alpha Ratio	2.8
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹7,754
31 Aug 22	₹5,954
31 Aug 23	₹7,515
31 Aug 24	₹9,830
31 Aug 25	₹16,461

DSP World Gold 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 DSP World Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 May 25

Duration	Returns
1 Month	20.2%
3 Month	33.4%
6 Month	66.6%
1 Year	94%
3 Year	44%
5 Year	13%
10 Year
15 Year
Since launch	8.1%

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	12.51 Yr.

Data below for DSP World Gold Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Basic Materials	95.27%

Asset Allocation

Asset Class	Value
Cash	1.87%
Equity	95.34%
Debt	0.01%
Other	2.79%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	78%	₹942 Cr	1,578,535 ↓ -32,363
VanEck Gold Miners ETF - \| GDX	21%	₹259 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	1%	₹13 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹2 Cr

3. SBI PSU Fund

The objective of the scheme would be to provide investors with opportunities for long-term growth in capital along with the liquidity of an open-ended scheme through an active management of investments in a diversified basket of equity stocks of domestic Public Sector Undertakings and in debt and money market instruments issued by PSUs AND others.

Research Highlights for SBI PSU Fund

Upper mid AUM (₹5,278 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 30.55% (upper mid).
3Y return: 28.54% (lower mid).
1Y return: -4.02% (bottom quartile).
Alpha: 0.19 (bottom quartile).
Sharpe: -0.78 (bottom quartile).
Information ratio: -0.27 (upper mid).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~13.9%).

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (12 Sep 25)	₹31.6191 ↑ 0.11 (0.36 %)
Net Assets (Cr)	₹5,278 on 31 Jul 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.78
Information Ratio	-0.27
Alpha Ratio	0.19
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 20	₹10,000
31 Aug 21	₹14,312
31 Aug 22	₹16,867
31 Aug 23	₹22,201
31 Aug 24	₹40,343
31 Aug 25	₹35,635

SBI PSU Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹642,208.
Net Profit of ₹342,208 Invest Now

Returns for SBI PSU Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 May 25

Duration	Returns
1 Month	1.1%
3 Month	-1.4%
6 Month	14%
1 Year	-4%
3 Year	28.5%
5 Year	30.6%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23.5%
2023	54%
2022	29%
2021	32.4%
2020	-10%
2019	6%
2018	-23.8%
2017	21.9%
2016	16.2%
2015	-11.1%

Fund Manager information for SBI PSU Fund

Name	Since	Tenure
Rohit Shimpi	1 Jun 24	1.25 Yr.

Data below for SBI PSU Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Financial Services	34.8%
Utility	29.58%
Energy	15.36%
Industrials	12.07%
Basic Materials	5.49%

Asset Allocation

Asset Class	Value
Cash	2.6%
Equity	97.31%
Debt	0.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	14%	₹735 Cr	9,227,500 ↑ 650,000
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	9%	₹497 Cr	12,975,000
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| 532555	9%	₹486 Cr	14,543,244 ↑ 2,400,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| 532898	9%	₹481 Cr	16,535,554 ↑ 1,400,000
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| 532155	9%	₹458 Cr	25,750,000
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| 500547	6%	₹319 Cr	9,700,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| 532134	5%	₹262 Cr	11,000,000
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| 526371	4%	₹198 Cr	27,900,000
Oil India Ltd (Energy) Equity, Since 31 Mar 24 \| OIL	3%	₹169 Cr	3,850,000
General Insurance Corp of India (Financial Services) Equity, Since 31 May 24 \| 540755	3%	₹163 Cr	4,150,000

4. Franklin India Opportunities Fund

The investment objective of Franklin India Opportunities Fund (FIOF) is to generate capital appreciation by capitalizing on the long-term growth opportunities in the Indian economy.

Research Highlights for Franklin India Opportunities Fund

Highest AUM (₹7,376 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 29.17% (lower mid).
3Y return: 28.42% (bottom quartile).
1Y return: 1.51% (lower mid).
Alpha: 1.79 (lower mid).
Sharpe: -0.30 (upper mid).
Information ratio: 1.83 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~5.6%).

Below is the key information for Franklin India Opportunities Fund

Franklin India Opportunities Fund Growth
Launch Date	21 Feb 00
NAV (11 Sep 25)	₹258.86 ↓ -0.11 (-0.04 %)
Net Assets (Cr)	₹7,376 on 31 Jul 25
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	-0.3
Information Ratio	1.83
Alpha Ratio	1.79
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 20	₹10,000
31 Aug 21	₹16,290
31 Aug 22	₹16,765
31 Aug 23	₹21,341
31 Aug 24	₹35,884
31 Aug 25	₹35,247

Franklin India Opportunities Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹627,226.
Net Profit of ₹327,226 Invest Now

Returns for Franklin India 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 2 May 25

Duration	Returns
1 Month	4.2%
3 Month	3.2%
6 Month	18.9%
1 Year	1.5%
3 Year	28.4%
5 Year	29.2%
10 Year
15 Year
Since launch	13.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	37.3%
2023	53.6%
2022	-1.9%
2021	29.7%
2020	27.3%
2019	5.4%
2018	-10.1%
2017	35.6%
2016	4.2%
2015	2.3%

Fund Manager information for Franklin India Opportunities Fund

Name	Since	Tenure
Kiran Sebastian	7 Feb 22	3.57 Yr.
R. Janakiraman	1 Apr 13	12.43 Yr.
Sandeep Manam	18 Oct 21	3.87 Yr.

Data below for Franklin India Opportunities Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Financial Services	19.78%
Consumer Cyclical	18.45%
Health Care	14.12%
Technology	11.61%
Basic Materials	9.22%
Communication Services	5.73%
Energy	5.1%
Industrials	4.14%
Utility	2.87%
Consumer Defensive	1.83%
Real Estate	0.84%

Asset Allocation

Asset Class	Value
Cash	6.31%
Equity	93.69%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 May 24 \| HDFCBANK	6%	₹413 Cr	2,043,971
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 22 \| RELIANCE	5%	₹376 Cr	2,707,279 ↓ -331,689
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 25 \| 532215	4%	₹315 Cr	2,950,277
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| 543320	4%	₹294 Cr	9,548,090 ↓ -582,172
Mphasis Ltd (Technology) Equity, Since 30 Nov 24 \| 526299	3%	₹227 Cr	814,231 ↑ 103,698
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 24 \| BHARTIARTL	3%	₹222 Cr	1,158,502 ↓ -183,731
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Apr 25 \| MARUTI	3%	₹214 Cr	169,582
NTPC Ltd (Utilities) Equity, Since 31 Aug 22 \| 532555	3%	₹212 Cr	6,333,312
Sudarshan Chemical Industries Ltd (Basic Materials) Equity, Since 30 Apr 24 \| SUDARSCHEM	3%	₹206 Cr	1,435,340
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 May 24 \| M&M	3%	₹204 Cr	637,966

5. Invesco India PSU Equity Fund

To generate capital appreciation by investing in Equity and Equity Related Instruments of companies where the Central / State Government(s) has majority shareholding or management control or has powers to appoint majority of directors. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns.

Research Highlights for Invesco India PSU Equity Fund

Lower mid AUM (₹1,391 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 28.51% (bottom quartile).
3Y return: 28.32% (bottom quartile).
1Y return: -4.72% (bottom quartile).
Alpha: 5.70 (top quartile).
Sharpe: -0.57 (lower mid).
Information ratio: -0.30 (lower mid).
Top sector: Utility.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding Bharat Electronics Ltd (~8.8%).

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund Growth
Launch Date	18 Nov 09
NAV (12 Sep 25)	₹62.99 ↑ 0.89 (1.43 %)
Net Assets (Cr)	₹1,391 on 31 Jul 25
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.14
Sharpe Ratio	-0.57
Information Ratio	-0.3
Alpha Ratio	5.7
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 20	₹10,000
31 Aug 21	₹14,116
31 Aug 22	₹15,840
31 Aug 23	₹20,143
31 Aug 24	₹37,355
31 Aug 25	₹32,909

Invesco India PSU Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹612,552.
Net Profit of ₹312,552 Invest Now

Returns for Invesco India PSU 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 2 May 25

Duration	Returns
1 Month	2.2%
3 Month	-1.4%
6 Month	19.5%
1 Year	-4.7%
3 Year	28.3%
5 Year	28.5%
10 Year
15 Year
Since launch	12.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	25.6%
2023	54.5%
2022	20.5%
2021	31.1%
2020	6.1%
2019	10.1%
2018	-16.9%
2017	24.3%
2016	17.9%
2015	2.5%

Fund Manager information for Invesco India PSU Equity Fund

Name	Since	Tenure
Hiten Jain	1 Jul 25	0.17 Yr.
Sagar Gandhi	1 Jul 25	0.17 Yr.

Data below for Invesco India PSU Equity Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Utility	27.91%
Industrials	27.8%
Financial Services	21.95%
Energy	16.03%
Basic Materials	3.99%

Asset Allocation

Asset Class	Value
Cash	2.33%
Equity	97.67%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharat Electronics Ltd (Industrials) Equity, Since 31 Mar 17 \| BEL	9%	₹122 Cr	3,178,489
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	8%	₹114 Cr	1,426,314 ↑ 61,200
Bharat Petroleum Corp Ltd (Energy) Equity, Since 30 Sep 18 \| 500547	8%	₹113 Cr	3,445,961
Power Grid Corp Of India Ltd (Utilities) Equity, Since 28 Feb 22 \| 532898	8%	₹105 Cr	3,599,413
NTPC Ltd (Utilities) Equity, Since 31 May 19 \| 532555	7%	₹103 Cr	3,085,790
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| HAL	7%	₹103 Cr	226,465
Hindustan Petroleum Corp Ltd (Energy) Equity, Since 30 Nov 23 \| HINDPETRO	5%	₹65 Cr	1,564,169
NHPC Ltd (Utilities) Equity, Since 31 Oct 22 \| NHPC	5%	₹64 Cr	7,649,437 ↑ 832,821
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	4%	₹62 Cr	5,911,723
REC Ltd (Financial Services) Equity, Since 31 Aug 23 \| 532955	4%	₹59 Cr	1,485,615 ↑ 362,125

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 Healthcare Fund Growth	4.1	15.7	2.3	25.7	19.3	42.9	Sectoral
UTI Transportation & Logistics Fund Growth	14	30.3	4.3	22.6	26.9	18.7	Sectoral
Sundaram Mid Cap Fund Growth	2.7	20.6	-0.5	21.7	26.7	32	Mid Cap
UTI Core Equity Fund Growth	0.9	14.4	-2.6	20.2	25.3	27.2	Large & Mid Cap
Sundaram Infrastructure Advantage Fund Growth	1	17.8	-3.2	20	27.2	23.8	Sectoral
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Healthcare Fund	UTI Transportation & Logistics Fund	Sundaram Mid Cap Fund	UTI Core Equity Fund	Sundaram Infrastructure Advantage Fund
Point 1	Bottom quartile AUM (₹1,146 Cr).	Lower mid AUM (₹3,565 Cr).	Highest AUM (₹12,596 Cr).	Upper mid AUM (₹4,865 Cr).	Bottom quartile AUM (₹962 Cr).
Point 2	Oldest track record among peers (26 yrs).	Established history (21+ yrs).	Established history (23+ yrs).	Established history (16+ yrs).	Established history (19+ yrs).
Point 3	Rating: 1★ (bottom quartile).	Rating: 3★ (upper mid).	Top rated.	Rating: 3★ (lower mid).	Not Rated.
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.
Point 5	5Y return: 19.29% (bottom quartile).	5Y return: 26.86% (upper mid).	5Y return: 26.68% (lower mid).	5Y return: 25.34% (bottom quartile).	5Y return: 27.16% (top quartile).
Point 6	3Y return: 25.66% (top quartile).	3Y return: 22.57% (upper mid).	3Y return: 21.65% (lower mid).	3Y return: 20.16% (bottom quartile).	3Y return: 20.05% (bottom quartile).
Point 7	1Y return: 2.28% (upper mid).	1Y return: 4.35% (top quartile).	1Y return: -0.50% (lower mid).	1Y return: -2.61% (bottom quartile).	1Y return: -3.21% (bottom quartile).
Point 8	Alpha: 0.67 (upper mid).	Alpha: 0.00 (bottom quartile).	Alpha: 3.17 (top quartile).	Alpha: 0.06 (bottom quartile).	Alpha: 0.10 (lower mid).
Point 9	Sharpe: 0.43 (top quartile).	Sharpe: -0.65 (bottom quartile).	Sharpe: -0.17 (upper mid).	Sharpe: -0.39 (lower mid).	Sharpe: -0.42 (bottom quartile).
Point 10	Information ratio: -0.06 (bottom quartile).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.76 (top quartile).	Information ratio: 0.05 (upper mid).

UTI Healthcare Fund

Bottom quartile AUM (₹1,146 Cr).
Oldest track record among peers (26 yrs).
Rating: 1★ (bottom quartile).
Risk profile: High.
5Y return: 19.29% (bottom quartile).
3Y return: 25.66% (top quartile).
1Y return: 2.28% (upper mid).
Alpha: 0.67 (upper mid).
Sharpe: 0.43 (top quartile).
Information ratio: -0.06 (bottom quartile).

UTI Transportation & Logistics Fund

Lower mid AUM (₹3,565 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 26.86% (upper mid).
3Y return: 22.57% (upper mid).
1Y return: 4.35% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.65 (bottom quartile).
Information ratio: 0.00 (lower mid).

Sundaram Mid Cap Fund

Highest AUM (₹12,596 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 26.68% (lower mid).
3Y return: 21.65% (lower mid).
1Y return: -0.50% (lower mid).
Alpha: 3.17 (top quartile).
Sharpe: -0.17 (upper mid).
Information ratio: 0.00 (bottom quartile).

UTI Core Equity Fund

Upper mid AUM (₹4,865 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 25.34% (bottom quartile).
3Y return: 20.16% (bottom quartile).
1Y return: -2.61% (bottom quartile).
Alpha: 0.06 (bottom quartile).
Sharpe: -0.39 (lower mid).
Information ratio: 0.76 (top quartile).

Sundaram Infrastructure Advantage Fund

Bottom quartile AUM (₹962 Cr).
Established history (19+ yrs).
Not Rated.
Risk profile: High.
5Y return: 27.16% (top quartile).
3Y return: 20.05% (bottom quartile).
1Y return: -3.21% (bottom quartile).
Alpha: 0.10 (lower mid).
Sharpe: -0.42 (bottom quartile).
Information ratio: 0.05 (upper mid).

*फंड की सूची पिछले 3 साल के रिटर्न पर आधारित है।

1. UTI Healthcare Fund

(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

Bottom quartile AUM (₹1,146 Cr).
Oldest track record among peers (26 yrs).
Rating: 1★ (bottom quartile).
Risk profile: High.
5Y return: 19.29% (bottom quartile).
3Y return: 25.66% (top quartile).
1Y return: 2.28% (upper mid).
Alpha: 0.67 (upper mid).
Sharpe: 0.43 (top quartile).
Information ratio: -0.06 (bottom quartile).
Higher exposure to Health Care vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
High-quality debt (AAA/AA ~100%).
Largest holding Sun Pharmaceuticals Industries Ltd (~9.8%).

Below is the key information for UTI Healthcare Fund

UTI Healthcare Fund Growth
Launch Date	28 Jun 99
NAV (12 Sep 25)	₹296.341 ↑ 0.48 (0.16 %)
Net Assets (Cr)	₹1,146 on 31 Jul 25
Category	Equity - Sectoral
AMC	UTI Asset Management Company Ltd
Rating	☆
Risk	High
Expense Ratio	2.26
Sharpe Ratio	0.43
Information Ratio	-0.06
Alpha Ratio	0.67
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 20	₹10,000
31 Aug 21	₹14,183
31 Aug 22	₹12,385
31 Aug 23	₹15,093
31 Aug 24	₹23,487
31 Aug 25	₹24,105

UTI Healthcare 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 Healthcare Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Sep 25

Duration	Returns
1 Month	1.8%
3 Month	4.1%
6 Month	15.7%
1 Year	2.3%
3 Year	25.7%
5 Year	19.3%
10 Year
15 Year
Since launch	15%

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	3.34 Yr.

Data below for UTI Healthcare Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Health Care	96.62%
Basic Materials	1.03%

Asset Allocation

Asset Class	Value
Cash	2.34%
Equity	97.66%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 31 Oct 06 \| SUNPHARMA	10%	₹113 Cr	661,016
Cipla Ltd (Healthcare) Equity, Since 31 Jan 03 \| 500087	5%	₹62 Cr	400,000
Ajanta Pharma Ltd (Healthcare) Equity, Since 31 Jul 17 \| 532331	5%	₹55 Cr	200,000 ↓ -10,000
Lupin Ltd (Healthcare) Equity, Since 28 Feb 25 \| 500257	4%	₹49 Cr	255,000 ↑ 55,000
Procter & Gamble Health Ltd (Healthcare) Equity, Since 31 Dec 20 \| PGHL	4%	₹47 Cr	80,283
Dr Reddy's Laboratories Ltd (Healthcare) Equity, Since 28 Feb 18 \| DRREDDY	4%	₹46 Cr	360,000
Glenmark Pharmaceuticals Ltd (Healthcare) Equity, Since 31 Mar 24 \| 532296	4%	₹41 Cr	190,000 ↓ -60,000
Fortis Healthcare Ltd (Healthcare) Equity, Since 31 Dec 20 \| 532843	3%	₹40 Cr	465,000
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 30 Apr 21 \| APOLLOHOSP	3%	₹40 Cr	53,000
Gland Pharma Ltd (Healthcare) Equity, Since 30 Nov 20 \| GLAND	3%	₹34 Cr	166,863 ↓ -13,137

2. UTI Transportation & Logistics Fund

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

Lower mid AUM (₹3,565 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 26.86% (upper mid).
3Y return: 22.57% (upper mid).
1Y return: 4.35% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.65 (bottom quartile).
Information ratio: 0.00 (lower mid).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding Mahindra & Mahindra Ltd (~14.0%).

Below is the key information for UTI Transportation & Logistics Fund

UTI Transportation & Logistics Fund Growth
Launch Date	11 Apr 04
NAV (12 Sep 25)	₹291.885 ↑ 0.78 (0.27 %)
Net Assets (Cr)	₹3,565 on 31 Jul 25
Category	Equity - Sectoral
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	1.93
Sharpe Ratio	-0.65
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 20	₹10,000
31 Aug 21	₹13,657
31 Aug 22	₹17,744
31 Aug 23	₹20,391
31 Aug 24	₹31,974
31 Aug 25	₹31,399

UTI Transportation & Logistics Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹584,107.
Net Profit of ₹284,107 Invest Now

Returns for UTI Transportation & Logistics Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Sep 25

Duration	Returns
1 Month	10.3%
3 Month	14%
6 Month	30.3%
1 Year	4.3%
3 Year	22.6%
5 Year	26.9%
10 Year
15 Year
Since launch	17.1%

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	8.95 Yr.

Data below for UTI Transportation & Logistics Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	78.96%
Industrials	16.81%

Asset Allocation

Asset Class	Value
Cash	4.04%
Equity	95.82%
Debt	0.15%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Apr 04 \| M&M	14%	₹498 Cr	1,555,675
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Apr 04 \| MARUTI	10%	₹342 Cr	271,513
Eicher Motors Ltd (Consumer Cyclical) Equity, Since 30 Nov 08 \| EICHERMOT	9%	₹320 Cr	584,527
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Jul 21 \| 543320	7%	₹249 Cr	8,074,415 ↑ 700,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 May 18 \| INDIGO	6%	₹229 Cr	387,991
Bajaj Auto Ltd (Consumer Cyclical) Equity, Since 30 Apr 18 \| 532977	5%	₹192 Cr	239,786
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 May 13 \| ADANIPORTS	5%	₹168 Cr	1,226,157
Hero MotoCorp Ltd (Consumer Cyclical) Equity, Since 31 Mar 12 \| HEROMOTOCO	4%	₹140 Cr	327,739
Hyundai Motor India Ltd (Consumer Cyclical) Equity, Since 31 Oct 24 \| HYUNDAI	4%	₹126 Cr	586,342
Tata Motors Ltd (Consumer Cyclical) Equity, Since 30 Apr 04 \| TATAMOTORS	4%	₹126 Cr	1,888,865

3. Sundaram Mid Cap Fund

(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

Highest AUM (₹12,596 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 26.68% (lower mid).
3Y return: 21.65% (lower mid).
1Y return: -0.50% (lower mid).
Alpha: 3.17 (top quartile).
Sharpe: -0.17 (upper mid).
Information ratio: 0.00 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding Coromandel International Ltd (~3.7%).

Below is the key information for Sundaram Mid Cap Fund

Sundaram Mid Cap Fund Growth
Launch Date	30 Jul 02
NAV (12 Sep 25)	₹1,397.35 ↑ 2.91 (0.21 %)
Net Assets (Cr)	₹12,596 on 31 Jul 25
Category	Equity - Mid Cap
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.8
Sharpe Ratio	-0.17
Information Ratio	0
Alpha Ratio	3.17
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹16,070
31 Aug 22	₹17,540
31 Aug 23	₹20,975
31 Aug 24	₹32,405
31 Aug 25	₹31,846

Sundaram Mid Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹584,107.
Net Profit of ₹284,107 Invest Now

Returns for Sundaram 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 12 Sep 25

Duration	Returns
1 Month	2.7%
3 Month	2.7%
6 Month	20.6%
1 Year	-0.5%
3 Year	21.7%
5 Year	26.7%
10 Year
15 Year
Since launch	23.8%

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	4.52 Yr.
Ratish Varier	24 Feb 21	4.52 Yr.

Data below for Sundaram Mid Cap Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Financial Services	19.28%
Consumer Cyclical	17.91%
Industrials	14.27%
Health Care	11.57%
Basic Materials	11.06%
Technology	5.61%
Consumer Defensive	4.27%
Real Estate	3.59%
Utility	2.59%
Communication Services	2.32%
Energy	2.04%

Asset Allocation

Asset Class	Value
Cash	5.49%
Equity	94.51%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Coromandel International Ltd (Basic Materials) Equity, Since 30 Nov 10 \| 506395	4%	₹461 Cr	1,712,601
Cummins India Ltd (Industrials) Equity, Since 31 Dec 17 \| 500480	4%	₹459 Cr	1,290,127
Kalyan Jewellers India Ltd (Consumer Cyclical) Equity, Since 31 Mar 21 \| KALYANKJIL	3%	₹358 Cr	6,016,821
Fortis Healthcare Ltd (Healthcare) Equity, Since 31 Dec 21 \| 532843	3%	₹333 Cr	3,879,249
GE Vernova T&D India Ltd (Industrials) Equity, Since 30 Sep 24 \| 522275	3%	₹322 Cr	1,179,542
Mahindra & Mahindra Financial Services Ltd (Financial Services) Equity, Since 31 Jan 24 \| M&MFIN	2%	₹307 Cr	11,920,703 ↑ 359,991
Lupin Ltd (Healthcare) Equity, Since 31 Jan 23 \| 500257	2%	₹299 Cr	1,549,486 ↑ 38,535
Hindustan Petroleum Corp Ltd (Energy) Equity, Since 31 Oct 21 \| HINDPETRO	2%	₹257 Cr	6,144,382
JK Cement Ltd (Basic Materials) Equity, Since 31 Jan 24 \| JKCEMENT	2%	₹255 Cr	382,553 ↓ -2,232
Persistent Systems Ltd (Technology) Equity, Since 30 Apr 22 \| PERSISTENT	2%	₹250 Cr	484,892

4. 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

Upper mid AUM (₹4,865 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 25.34% (bottom quartile).
3Y return: 20.16% (bottom quartile).
1Y return: -2.61% (bottom quartile).
Alpha: 0.06 (bottom quartile).
Sharpe: -0.39 (lower mid).
Information ratio: 0.76 (top quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~6.7%).

Below is the key information for UTI Core Equity Fund

UTI Core Equity Fund Growth
Launch Date	20 May 09
NAV (12 Sep 25)	₹179.357 ↑ 0.22 (0.12 %)
Net Assets (Cr)	₹4,865 on 31 Jul 25
Category	Equity - Large & Mid Cap
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.96
Sharpe Ratio	-0.39
Information Ratio	0.76
Alpha Ratio	0.06
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 20	₹10,000
31 Aug 21	₹16,499
31 Aug 22	₹17,304
31 Aug 23	₹20,643
31 Aug 24	₹31,364
31 Aug 25	₹29,783

UTI Core Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 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 12 Sep 25

Duration	Returns
1 Month	2.4%
3 Month	0.9%
6 Month	14.4%
1 Year	-2.6%
3 Year	20.2%
5 Year	25.3%
10 Year
15 Year
Since launch	13.9%

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	8.3 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	29.97%
Technology	9.45%
Basic Materials	9.27%
Consumer Cyclical	8.61%
Health Care	8.35%
Industrials	7.78%
Energy	6.38%
Communication Services	5.78%
Consumer Defensive	5.43%
Real Estate	2.3%
Utility	2.23%

Asset Allocation

Asset Class	Value
Cash	4.46%
Equity	95.54%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 20 \| HDFCBANK	7%	₹325 Cr	1,612,563
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 06 \| ICICIBANK	4%	₹214 Cr	1,447,555
Infosys Ltd (Technology) Equity, Since 28 Feb 06 \| INFY	3%	₹149 Cr	988,187 ↑ 81,220
The Federal Bank Ltd (Financial Services) Equity, Since 30 Jun 17 \| FEDERALBNK	3%	₹122 Cr	6,023,475 ↑ 330,250
ITC Ltd (Consumer Defensive) Equity, Since 31 Dec 08 \| ITC	2%	₹119 Cr	2,888,744
Reliance Industries Ltd (Energy) Equity, Since 29 Feb 20 \| RELIANCE	2%	₹115 Cr	825,401
InterGlobe Aviation Ltd (Industrials) Equity, Since 30 Nov 22 \| INDIGO	2%	₹112 Cr	190,114
Power Grid Corp Of India Ltd (Utilities) Equity, Since 30 Apr 24 \| 532898	2%	₹108 Cr	3,720,016 ↑ 333,951
Wipro Ltd (Technology) Equity, Since 30 Jun 24 \| 507685	2%	₹107 Cr	4,312,435 ↑ 339,470
Vedanta Ltd (Basic Materials) Equity, Since 30 Apr 24 \| 500295	2%	₹107 Cr	2,508,415 ↑ 58,121

5. Sundaram Infrastructure Advantage Fund

To generate consistent long-term returns by investing predominantly in equity/equity-related instruments of companies engaged either directly or indirectly in infrastructure- and infrastructure related activities or expected to benefit from the growth and development of infrastructure

Research Highlights for Sundaram Infrastructure Advantage Fund

Bottom quartile AUM (₹962 Cr).
Established history (19+ yrs).
Not Rated.
Risk profile: High.
5Y return: 27.16% (top quartile).
3Y return: 20.05% (bottom quartile).
1Y return: -3.21% (bottom quartile).
Alpha: 0.10 (lower mid).
Sharpe: -0.42 (bottom quartile).
Information ratio: 0.05 (upper mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding Bharti Airtel Ltd (~8.3%).

Below is the key information for Sundaram Infrastructure Advantage Fund

Sundaram Infrastructure Advantage Fund Growth
Launch Date	29 Sep 05
NAV (12 Sep 25)	₹94.7551 ↑ 0.38 (0.40 %)
Net Assets (Cr)	₹962 on 31 Jul 25
Category	Equity - Sectoral
AMC	Sundaram Asset Management Company Ltd
Rating	Not Rated
Risk	High
Expense Ratio	2.48
Sharpe Ratio	-0.42
Information Ratio	0.05
Alpha Ratio	0.1
Min Investment	100,000
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 Aug 20	₹10,000
31 Aug 21	₹16,386
31 Aug 22	₹18,355
31 Aug 23	₹22,072
31 Aug 24	₹33,835
31 Aug 25	₹32,094

Sundaram Infrastructure Advantage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181 Invest Now

Returns for Sundaram Infrastructure Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Sep 25

Duration	Returns
1 Month	1%
3 Month	1%
6 Month	17.8%
1 Year	-3.2%
3 Year	20%
5 Year	27.2%
10 Year
15 Year
Since launch	11.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23.8%
2023	41.7%
2022	2.1%
2021	49.5%
2020	10.4%
2019	2.2%
2018	-21.9%
2017	55.5%
2016	-0.5%
2015	4.8%

Fund Manager information for Sundaram Infrastructure Advantage Fund

Name	Since	Tenure
Ashish Aggarwal	1 Jan 22	3.67 Yr.

Data below for Sundaram Infrastructure Advantage Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Industrials	38.35%
Utility	11.75%
Energy	10.94%
Communication Services	10.74%
Basic Materials	7.63%
Consumer Cyclical	7.56%
Financial Services	3.88%
Real Estate	2.59%
Technology	0.7%

Asset Allocation

Asset Class	Value
Cash	5.88%
Equity	94.12%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 19 \| BHARTIARTL	8%	₹79 Cr	415,000 ↓ -10,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 May 09 \| LT	8%	₹76 Cr	210,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 18 \| RELIANCE	8%	₹73 Cr	525,000 ↓ -20,000
NTPC Ltd (Utilities) Equity, Since 31 Jan 22 \| 532555	5%	₹45 Cr	1,340,000
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Oct 19 \| 532538	4%	₹34 Cr	28,000
Bharat Electronics Ltd (Industrials) Equity, Since 31 Jul 22 \| BEL	3%	₹26 Cr	675,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Mar 22 \| 532898	2%	₹23 Cr	800,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Jun 18 \| ICICIBANK	2%	₹22 Cr	150,000 ↓ -10,000
GE Vernova T&D India Ltd (Industrials) Equity, Since 30 Sep 24 \| 522275	2%	₹19 Cr	70,000 ↓ -20,000
Bharat Petroleum Corp Ltd (Energy) Equity, Since 30 Sep 19 \| 500547	2%	₹19 Cr	575,000

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।