+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 35.4 62.9 113.5 45.3 18.9 15.9 Global SBI Gold Fund Growth 23.5 28.2 57.8 31.3 18.2 19.6 Gold ICICI Prudential Regular Gold Savings Fund Growth 23.3 28 57.7 31.3 18 19.5 Gold Aditya Birla Sun Life Gold Fund Growth 23.7 28.6 58.7 31.3 18.1 18.7 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 SBI Gold Fund ICICI Prudential Regular Gold Savings Fund Aditya Birla Sun Life Gold Fund Point 1 Bottom quartile AUM (₹13 Cr). Lower mid AUM (₹1,498 Cr). Highest AUM (₹8,457 Cr). Upper mid AUM (₹3,770 Cr). Bottom quartile AUM (₹1,042 Cr). Point 2 Oldest track record among peers (23 yrs). Established history (18+ yrs). Established history (14+ yrs). Established history (14+ yrs). Established history (13+ yrs). Point 3 Rating: 2★ (lower mid). Top rated. Rating: 2★ (bottom quartile). Rating: 1★ (bottom quartile). Rating: 3★ (upper mid). 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: 18.87% (upper mid). 5Y return: 18.23% (lower mid). 5Y return: 18.01% (bottom quartile). 5Y return: 18.08% (bottom quartile). Point 6 1M return: 192.10% (top quartile). 3Y return: 45.27% (upper mid). 3Y return: 31.35% (lower mid). 3Y return: 31.27% (bottom quartile). 3Y return: 31.25% (bottom quartile). Point 7 Sharpe: -90.89 (bottom quartile). 1Y return: 113.48% (upper mid). 1Y return: 57.81% (bottom quartile). 1Y return: 57.69% (bottom quartile). 1Y return: 58.67% (lower mid). Point 8 Information ratio: -2.42 (bottom quartile). Alpha: -4.16 (bottom quartile). 1M return: -3.19% (bottom quartile). 1M return: -2.50% (lower mid). 1M return: -2.80% (bottom quartile). 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: 2.42 (upper mid). Sharpe: 2.38 (lower mid). Sharpe: 2.45 (top quartile). Franklin India Short Term Income Plan - Retail Plan
DSP World Gold Fund
SBI Gold Fund
ICICI Prudential Regular Gold Savings Fund
Aditya Birla Sun Life Gold 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 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 An Open ended Fund of Funds Scheme with the investment objective to provide returns that tracks returns provided by Birla Sun Life Gold ETF (BSL Gold ETF). Research Highlights for Aditya Birla Sun Life Gold Fund Below is the key information for Aditya Birla Sun Life Gold 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 31 Oct 20 ₹10,000 31 Oct 21 ₹11,915 31 Oct 22 ₹12,911 31 Oct 23 ₹13,998 31 Oct 24 ₹13,998
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 (20 Nov 25) ₹45.5048 ↓ -0.51 (-1.11 %) 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 31 Oct 20 ₹10,000 31 Oct 21 ₹9,021 31 Oct 22 ₹6,936 31 Oct 23 ₹8,194 31 Oct 24 ₹11,716 31 Oct 25 ₹21,909 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 -2.1% 3 Month 35.4% 6 Month 62.9% 1 Year 113.5% 3 Year 45.3% 5 Year 18.9% 10 Year 15 Year Since launch 8.7% 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 12.59 Yr. Data below for DSP World Gold Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Basic Materials 95.54% Asset Allocation
Asset Class Value Cash 1.83% Equity 95.6% Debt 0.01% Other 2.56% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Gold I2
Investment Fund | -76% ₹1,268 Cr 1,456,030
↓ -89,620 VanEck Gold Miners ETF
- | GDX23% ₹389 Cr 573,719 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -1% ₹18 Cr Net Receivables/Payables
Net Current Assets | -0% ₹3 Cr 3. SBI Gold Fund
SBI Gold Fund
Growth Launch Date 12 Sep 11 NAV (21 Nov 25) ₹35.9776 ↑ 0.18 (0.50 %) 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 31 Oct 20 ₹10,000 31 Oct 21 ₹9,322 31 Oct 22 ₹9,704 31 Oct 23 ₹11,658 31 Oct 24 ₹14,955 31 Oct 25 ₹22,348 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 -3.2% 3 Month 23.5% 6 Month 28.2% 1 Year 57.8% 3 Year 31.3% 5 Year 18.2% 10 Year 15 Year Since launch 9.4% 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 14.06 Yr. Data below for SBI Gold Fund as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 0.27% Other 99.73% Top Securities Holdings / Portfolio
Name Holding Value Quantity SBI Gold ETF
- | -101% ₹7,118 Cr 717,924,671
↑ 124,207,431 Net Receivable / Payable
CBLO | -4% -₹255 Cr Treps
CBLO/Reverse Repo | -2% ₹171 Cr 4. ICICI Prudential Regular Gold Savings Fund
ICICI Prudential Regular Gold Savings Fund
Growth Launch Date 11 Oct 11 NAV (21 Nov 25) ₹38.0521 ↑ 0.17 (0.44 %) 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 31 Oct 20 ₹10,000 31 Oct 21 ₹9,395 31 Oct 22 ₹9,756 31 Oct 23 ₹11,687 31 Oct 24 ₹15,007 31 Oct 25 ₹22,357 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 -2.5% 3 Month 23.3% 6 Month 28% 1 Year 57.7% 3 Year 31.3% 5 Year 18% 10 Year 15 Year Since launch 9.9% 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 13.02 Yr. Nishit Patel 29 Dec 20 4.76 Yr. Data below for ICICI Prudential Regular Gold Savings Fund as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 1.47% Other 98.53% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Pru Gold ETF
- | -100% ₹3,301 Cr 331,508,144
↑ 37,135,052 Treps
CBLO/Reverse Repo | -1% ₹40 Cr Net Current Assets
Net Current Assets | -1% -₹36 Cr 5. Aditya Birla Sun Life Gold Fund
Aditya Birla Sun Life Gold Fund
Growth Launch Date 20 Mar 12 NAV (21 Nov 25) ₹35.8103 ↑ 0.38 (1.07 %) Net Assets (Cr) ₹1,042 on 31 Oct 25 Category Gold - Gold AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 0.51 Sharpe Ratio 2.45 Information Ratio 0 Alpha Ratio 0 Min Investment 100 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 Oct 20 ₹10,000 31 Oct 21 ₹9,398 31 Oct 22 ₹9,736 31 Oct 23 ₹11,666 31 Oct 24 ₹14,931 31 Oct 25 ₹22,223 Returns for Aditya Birla Sun Life 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 -2.8% 3 Month 23.7% 6 Month 28.6% 1 Year 58.7% 3 Year 31.3% 5 Year 18.1% 10 Year 15 Year Since launch 9.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 18.7% 2023 14.5% 2022 12.3% 2021 -5% 2020 26% 2019 21.3% 2018 6.8% 2017 1.6% 2016 11.5% 2015 -7.2% Fund Manager information for Aditya Birla Sun Life Gold Fund
Name Since Tenure Priya Sridhar 31 Dec 24 0.75 Yr. Data below for Aditya Birla Sun Life Gold Fund as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 0.93% Other 99.07% Top Securities Holdings / Portfolio
Name Holding Value Quantity Aditya BSL Gold ETF
- | -100% ₹913 Cr 89,486,826
↑ 9,590,606 Net Receivables / (Payables)
Net Current Assets | -2% -₹15 Cr Clearing Corporation Of India Limited
CBLO/Reverse Repo | -1% ₹11 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 5.2 15.8 18.7 25.2 24.5 18.7 Sectoral Sundaram Mid Cap Fund Growth 2.5 7.8 8.7 24.8 24.8 32 Mid Cap UTI Healthcare Fund Growth -2.8 4.7 3.2 24.2 17.3 42.9 Sectoral Sundaram Infrastructure Advantage Fund Growth 2.5 6.1 8.7 22.2 25.7 23.8 Sectoral UTI Core Equity Fund Growth 2.9 5.6 8.7 22 23.7 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 21 Nov 25 Research Highlights & Commentary of 5 Funds showcased
Commentary UTI Transportation & Logistics Fund Sundaram Mid Cap Fund UTI Healthcare Fund Sundaram Infrastructure Advantage Fund UTI Core Equity Fund Point 1 Lower mid AUM (₹4,008 Cr). Highest AUM (₹13,236 Cr). Bottom quartile AUM (₹1,125 Cr). Bottom quartile AUM (₹968 Cr). Upper mid AUM (₹5,291 Cr). Point 2 Established history (21+ yrs). Established history (23+ yrs). Oldest track record among peers (26 yrs). Established history (20+ yrs). Established history (16+ yrs). Point 3 Rating: 3★ (upper mid). Top rated. Rating: 1★ (bottom quartile). Not Rated. Rating: 3★ (lower mid). Point 4 Risk profile: High. Risk profile: Moderately High. Risk profile: High. Risk profile: High. Risk profile: Moderately High. Point 5 5Y return: 24.51% (lower mid). 5Y return: 24.84% (upper mid). 5Y return: 17.30% (bottom quartile). 5Y return: 25.74% (top quartile). 5Y return: 23.70% (bottom quartile). Point 6 3Y return: 25.23% (top quartile). 3Y return: 24.80% (upper mid). 3Y return: 24.20% (lower mid). 3Y return: 22.24% (bottom quartile). 3Y return: 22.00% (bottom quartile). Point 7 1Y return: 18.68% (top quartile). 1Y return: 8.68% (bottom quartile). 1Y return: 3.20% (bottom quartile). 1Y return: 8.71% (upper mid). 1Y return: 8.69% (lower mid). Point 8 Alpha: 0.00 (top quartile). Alpha: -0.05 (upper mid). Alpha: -0.28 (lower mid). Alpha: -5.45 (bottom quartile). Alpha: -2.90 (bottom quartile). Point 9 Sharpe: 0.60 (top quartile). Sharpe: 0.08 (upper mid). Sharpe: -0.18 (bottom quartile). Sharpe: -0.05 (lower mid). Sharpe: -0.12 (bottom quartile). Point 10 Information ratio: 0.00 (lower mid). Information ratio: 0.16 (upper mid). Information ratio: 0.00 (bottom quartile). Information ratio: -0.15 (bottom quartile). Information ratio: 0.67 (top quartile). UTI Transportation & Logistics Fund
Sundaram Mid Cap Fund
UTI Healthcare Fund
Sundaram Infrastructure 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 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 (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 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 Below is the key information for Sundaram Infrastructure 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 (21 Nov 25) ₹294.567 ↓ -0.55 (-0.19 %) 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 31 Oct 20 ₹10,000 31 Oct 21 ₹15,108 31 Oct 22 ₹17,833 31 Oct 23 ₹20,381 31 Oct 24 ₹29,022 31 Oct 25 ₹33,393 Returns for UTI Transportation & Logistics Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Nov 25 Duration Returns 1 Month -0.9% 3 Month 5.2% 6 Month 15.8% 1 Year 18.7% 3 Year 25.2% 5 Year 24.5% 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 9.03 Yr. Data below for UTI Transportation & Logistics Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Consumer Cyclical 79.22% Industrials 14.63% Asset Allocation
Asset Class Value Cash 5.98% Equity 93.85% Debt 0.13% Top Securities Holdings / Portfolio
Name Holding Value Quantity Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 30 Apr 04 | M&M14% ₹540 Cr 1,575,675 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 30 Apr 04 | MARUTI11% ₹423 Cr 264,013 Eicher Motors Ltd (Consumer Cyclical)
Equity, Since 30 Nov 08 | EICHERMOT10% ₹388 Cr 554,527
↓ -30,000 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Jul 21 | 5433207% ₹263 Cr 8,074,415 InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 May 18 | INDIGO5% ₹217 Cr 387,991 Bajaj Auto Ltd (Consumer Cyclical)
Equity, Since 30 Apr 18 | 5329775% ₹184 Cr 212,504
↓ -27,282 Hero MotoCorp Ltd (Consumer Cyclical)
Equity, Since 31 Mar 12 | HEROMOTOCO5% ₹179 Cr 327,739 Hyundai Motor India Ltd (Consumer Cyclical)
Equity, Since 31 Oct 24 | HYUNDAI4% ₹152 Cr 586,342 Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 May 13 | ADANIPORTS4% ₹151 Cr 1,076,157 TVS Motor Co Ltd (Consumer Cyclical)
Equity, Since 30 Sep 19 | 5323433% ₹139 Cr 403,430
↑ 13,058 2. Sundaram Mid Cap Fund
Sundaram Mid Cap Fund
Growth Launch Date 30 Jul 02 NAV (21 Nov 25) ₹1,431.38 ↓ -16.41 (-1.13 %) 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 31 Oct 20 ₹10,000 31 Oct 21 ₹16,282 31 Oct 22 ₹17,269 31 Oct 23 ₹20,504 31 Oct 24 ₹31,197 31 Oct 25 ₹33,101 Returns for Sundaram Mid Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Nov 25 Duration Returns 1 Month 0.4% 3 Month 2.5% 6 Month 7.8% 1 Year 8.7% 3 Year 24.8% 5 Year 24.8% 10 Year 15 Year Since launch 23.7% 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 4.6 Yr. Ratish Varier 24 Feb 21 4.6 Yr. Data below for Sundaram Mid Cap Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Financial Services 19.58% Consumer Cyclical 17.35% Industrials 14.8% Health Care 11.72% Basic Materials 10.47% Consumer Defensive 6.31% Technology 5.48% Real Estate 3.58% Utility 2.52% Energy 2.16% Communication Services 2.15% Asset Allocation
Asset Class Value Cash 3.85% Equity 96.13% Other 0% Top Securities Holdings / Portfolio
Name Holding Value Quantity Cummins India Ltd (Industrials)
Equity, Since 31 Dec 17 | 5004804% ₹500 Cr 1,273,753
↓ -16,374 Coromandel International Ltd (Basic Materials)
Equity, Since 30 Nov 10 | 5063953% ₹385 Cr 1,712,601 Fortis Healthcare Ltd (Healthcare)
Equity, Since 31 Dec 21 | 5328433% ₹368 Cr 3,791,187
↓ -88,062 GE Vernova T&D India Ltd (Industrials)
Equity, Since 30 Sep 24 | 5222753% ₹349 Cr 1,179,542 Mahindra & Mahindra Financial Services Ltd (Financial Services)
Equity, Since 31 Jan 24 | M&MFIN3% ₹328 Cr 11,920,703 Lupin Ltd (Healthcare)
Equity, Since 31 Jan 23 | 5002572% ₹300 Cr 1,569,363 Hindustan Petroleum Corp Ltd (Energy)
Equity, Since 31 Oct 21 | HINDPETRO2% ₹272 Cr 6,144,382 Indian Bank (Financial Services)
Equity, Since 31 Jul 23 | 5328142% ₹270 Cr 3,602,269
↓ -324,199 IDFC First Bank Ltd (Financial Services)
Equity, Since 30 Jun 25 | IDFCFIRSTB2% ₹262 Cr 37,611,985
↑ 1,979,784 Marico Ltd (Consumer Defensive)
Equity, Since 30 Jun 24 | 5316422% ₹255 Cr 3,660,354
↑ 161,343 3. UTI Healthcare Fund
UTI Healthcare Fund
Growth Launch Date 28 Jun 99 NAV (21 Nov 25) ₹287.751 ↓ -1.62 (-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 31 Oct 20 ₹10,000 31 Oct 21 ₹12,799 31 Oct 22 ₹12,052 31 Oct 23 ₹14,059 31 Oct 24 ₹22,392 31 Oct 25 ₹22,840 Returns for UTI Healthcare Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Nov 25 Duration Returns 1 Month -2.2% 3 Month -2.8% 6 Month 4.7% 1 Year 3.2% 3 Year 24.2% 5 Year 17.3% 10 Year 15 Year Since launch 14.8% 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 3.42 Yr. Data below for UTI Healthcare Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Health Care 97.9% Basic Materials 1.07% Asset Allocation
Asset Class Value Cash 1.02% Equity 98.98% Top Securities Holdings / Portfolio
Name Holding Value Quantity Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Oct 06 | SUNPHARMA10% ₹105 Cr 661,016 Ajanta Pharma Ltd (Healthcare)
Equity, Since 31 Jul 17 | 5323315% ₹60 Cr 250,000
↑ 7,327 Cipla Ltd (Healthcare)
Equity, Since 31 Jan 03 | 5000875% ₹60 Cr 400,000 Lupin Ltd (Healthcare)
Equity, Since 28 Feb 25 | 5002575% ₹52 Cr 270,000 Procter & Gamble Health Ltd (Healthcare)
Equity, Since 31 Dec 20 | PGHL4% ₹44 Cr 69,320
↓ -719 Glenmark Pharmaceuticals Ltd (Healthcare)
Equity, Since 31 Mar 24 | 5322964% ₹41 Cr 210,000
↓ -10,000 Dr Reddy's Laboratories Ltd (Healthcare)
Equity, Since 28 Feb 18 | 5001244% ₹41 Cr 335,000
↓ -25,000 Gland Pharma Ltd (Healthcare)
Equity, Since 30 Nov 20 | GLAND4% ₹40 Cr 199,297 Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 30 Apr 21 | APOLLOHOSP4% ₹39 Cr 53,000 Alkem Laboratories Ltd (Healthcare)
Equity, Since 31 May 21 | ALKEM4% ₹39 Cr 72,000 4. Sundaram Infrastructure Advantage Fund
Sundaram Infrastructure Advantage Fund
Growth Launch Date 29 Sep 05 NAV (21 Nov 25) ₹97.7271 ↓ -0.92 (-0.93 %) Net Assets (Cr) ₹968 on 31 Oct 25 Category Equity - Sectoral AMC Sundaram Asset Management Company Ltd Rating Risk High Expense Ratio 2.37 Sharpe Ratio -0.05 Information Ratio -0.15 Alpha Ratio -5.45 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 Oct 20 ₹10,000 31 Oct 21 ₹17,987 31 Oct 22 ₹18,815 31 Oct 23 ₹22,229 31 Oct 24 ₹33,153 31 Oct 25 ₹34,240 Returns for Sundaram Infrastructure Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Nov 25 Duration Returns 1 Month 1.2% 3 Month 2.5% 6 Month 6.1% 1 Year 8.7% 3 Year 22.2% 5 Year 25.7% 10 Year 15 Year Since launch 12% 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 3.75 Yr. Data below for Sundaram Infrastructure Advantage Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Industrials 38.82% Utility 12.1% Energy 11.07% Communication Services 10.6% Consumer Cyclical 7.92% Basic Materials 7.4% Financial Services 3.93% Real Estate 2.24% Technology 0.69% Asset Allocation
Asset Class Value Cash 5.23% Equity 94.77% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 19 | BHARTIARTL8% ₹78 Cr 415,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 May 09 | LT8% ₹77 Cr 210,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Jan 18 | RELIANCE8% ₹72 Cr 525,000 NTPC Ltd (Utilities)
Equity, Since 31 Jan 22 | 5325555% ₹46 Cr 1,340,000 UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Oct 19 | 5325384% ₹34 Cr 28,000 Bharat Electronics Ltd (Industrials)
Equity, Since 31 Jul 22 | BEL3% ₹27 Cr 675,000 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Mar 22 | 5328982% ₹22 Cr 800,000 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Jun 18 | ICICIBANK2% ₹20 Cr 145,000
↓ -5,000 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 30 Sep 19 | 5005472% ₹20 Cr 575,000 GE Vernova T&D India Ltd (Industrials)
Equity, Since 30 Sep 24 | 5222752% ₹19 Cr 64,000
↓ -3,000 5. UTI Core Equity Fund
UTI Core Equity Fund
Growth Launch Date 20 May 09 NAV (21 Nov 25) ₹184.983 ↓ -1.03 (-0.55 %) 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 31 Oct 20 ₹10,000 31 Oct 21 ₹17,416 31 Oct 22 ₹17,785 31 Oct 23 ₹20,801 31 Oct 24 ₹30,618 31 Oct 25 ₹31,681 Returns for UTI Core Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Nov 25 Duration Returns 1 Month 1.9% 3 Month 2.9% 6 Month 5.6% 1 Year 8.7% 3 Year 22% 5 Year 23.7% 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 8.38 Yr. Data below for UTI Core Equity Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Financial Services 29.29% Consumer Cyclical 11.04% Technology 9.66% Health Care 8.5% Basic Materials 8.43% Industrials 8.14% Energy 7.34% Consumer Defensive 5.59% Communication Services 5.03% Real Estate 2.42% Utility 2.14% Asset Allocation
Asset Class Value Cash 2.42% Equity 97.58% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 20 | HDFCBANK6% ₹299 Cr 3,145,126
↓ -80,000 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% ₹160 Cr 1,113,187
↑ 45,000 Reliance Industries Ltd (Energy)
Equity, Since 29 Feb 20 | RELIANCE3% ₹142 Cr 1,039,401
↑ 64,000 ITC Ltd (Consumer Defensive)
Equity, Since 31 Dec 08 | ITC3% ₹133 Cr 3,304,906
↑ 155,027 Vedanta Ltd (Basic Materials)
Equity, Since 30 Apr 24 | 5002952% ₹120 Cr 2,584,841
↑ 76,426 The Federal Bank Ltd (Financial Services)
Equity, Since 30 Jun 17 | FEDERALBNK2% ₹116 Cr 6,023,475 Aditya Birla Capital Ltd (Financial Services)
Equity, Since 31 Aug 22 | ABCAPITAL2% ₹116 Cr 3,950,761 Wipro Ltd (Technology)
Equity, Since 30 Jun 24 | 5076852% ₹114 Cr 4,778,248
↑ 75,000 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 30 Apr 24 | 5328982% ₹107 Cr 3,821,220
↑ 101,204
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