+91-22-48913909म्यूचुअल फंड बनाम एफडी (सावधि जमा)
म्यूचुअल फंड बनामएफडी? पैसे बचाने के बारे में सोचते समय, ज्यादातर लोग सबसे पहले जो काम करने पर विचार करते हैं, वह हैनिवेश सावधि जमा (एफडी) में। ऐसा आमतौर पर इसलिए होता है क्योंकि इसे समझना आसान है और पीढ़ियों से किया जा रहा है। लेकिन क्या यह सबसे उपयुक्त निवेश है? और क्या यह सर्वोत्तम रिटर्न प्रदान करता है? या म्युचुअल फंड निवेश उद्देश्य को बेहतर ढंग से पूरा कर सकता है? इन सवालों के जवाब जानने के लिए नीचे पढ़ें!
FD या सावधि जमा
सावधि जमा, जिसे FD के रूप में भी जाना जाता है, एक लोकप्रिय हैबैंक दीर्घकालिक और अल्पकालिक निवेश दोनों के लिए उपयुक्त निवेश विकल्प। FD रिटर्न निश्चित होता है क्योंकि FD की ब्याज़ दर भारत सरकार द्वारा पूर्व-निर्धारित होती है। सावधि जमा पर ब्याज दर तय की जा रही है, इसका कोई प्रभाव नहीं हैमुद्रास्फीति इन निवेशों पर।
साथ ही, निवेशकों के हाथ में FD रिटर्न कर योग्य है। हालांकि, FD निवेश के तहत कर कटौती के लिए उत्तरदायी हैंधारा 80सी काआयकर कार्य।
म्यूचुअल फंड्स
म्यूचुअल फंड तीन प्रकार का होता है, डेट, इक्विटी और बैलेंस्डम्यूचुअल फंड्स.डेट म्यूचुअल फंड वे हैं जो अधिकांश संपत्ति सरकार में निवेश करते हैंबांड, कॉरपोरेट बॉन्ड और बाकी इक्विटी मार्केट में। इसके विपरीत, इक्विटी म्यूचुअल फंड अपनी संपत्ति का 65% से अधिक इक्विटी बाजारों में और शेष सरकारी बॉन्ड, कॉर्पोरेट बॉन्ड और प्रतिभूतियों में निवेश करते हैं। जबकि बैलेंस्ड म्यूचुअल फंड वे होते हैं जो आंशिक रूप से डेट में और आंशिक रूप से . में निवेश करते हैंइक्विटी फ़ंड. म्युचुअल फंड एक मुद्रास्फीति को मात देने वाला साधन है, इसलिए यह अधिक कर कुशल है और लंबी अवधि के निवेश पर बेहतर रिटर्न देने की उम्मीद है।
कौन सा बेहतर दीर्घकालिक निवेश है?
अब जब हम जानते हैं कि म्यूचुअल फंड और फिक्स्ड डिपॉजिट (FD) दोनों हैंटैक्स सेविंग निवेश, जो सवाल उठता है - कहां निवेश करना चाहिए? हालांकि यह एक व्यक्तिपरक प्रश्न है और इसका उत्तर एक व्यक्ति से दूसरे व्यक्ति में भिन्न हो सकता है, नीचे विभिन्न मापदंडों के आधार पर एक तुलना का उल्लेख किया गया है जो आपको बेहतर चुनने में मदद कर सकता है।
1. म्युचुअल फंड रिटर्न और एफडी रिटर्न
सावधि जमा पर रिटर्न पूर्व-निर्दिष्ट है और पूरे कार्यकाल में नहीं बदलता है। जबकि म्युचुअल फंड को वित्तीय से जोड़ा जा रहा हैमंडीलंबी अवधि के निवेश पर बेहतर रिटर्न देते हैं।
2. एफडी ब्याज दरें और म्यूचुअल फंड रिटर्न
FD पर ब्याज दर FD के प्रकार या FD की अवधि के आधार पर तय की जाती है, इसलिए कोई भी सावधि जमा पर उच्च ब्याज दरों की उम्मीद नहीं कर सकता है। दूसरी ओर, म्यूचुअल फंड पर रिटर्न अलग-अलग होते हैं क्योंकि विभिन्न प्रकार के फंड अस्थिर रिटर्न देते हैं। यदि बाजार ऊंचा जाता है तो रिटर्न बढ़ता है और इसके विपरीत।
3. जोखिम कारक
सावधि जमा में शायद ही कोई जोखिम होता है क्योंकि रिटर्न पूर्व निर्धारित होता है। इसके अलावा, अगर बैंक का भंडाफोड़ हो जाता है तो सभी बैंक खातों का 1 लाख रुपये तक का बीमा किया जाता है। दूसरी ओर, म्यूचुअल फंड अधिक जोखिम उठाते हैं क्योंकि वे अपनी संपत्ति को वित्तीय बाजार में निवेश करते हैं। इक्विटी म्युचुअल फंड, जिसकी अधिकांश संपत्ति इक्विटी बाजारों में निवेश की जाती है, बहुत अधिक जोखिम वहन करती है। डेट म्यूचुअल फंड में निवेश करना कम जोखिम भरा होता है, क्योंकि इन फंडों का बहुत कम हिस्सा शेयर बाजार में निवेश किया जाता है।
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4. मुद्रास्फीति का प्रभाव
ब्याज दर पूर्व निर्धारित होने के कारण सावधि जमा पर मुद्रास्फीति का कोई प्रभाव नहीं पड़ता है। जबकि, म्युचुअल फंड के लिए, रिटर्न मुद्रास्फीति-समायोजित होते हैं जो बेहतर रिटर्न अर्जित करने की इसकी क्षमता को बढ़ाता है।
5. पूंजीगत लाभ
यहाँ नहीं हैंराजधानी FD के मामले में लाभ संभव है। म्यूचुअल फंड के लिए,पूंजीगत लाभ धारण अवधि पर निर्भर करता है। विभिन्न म्युचुअल फंड विभिन्न पूंजीगत लाभ प्रदान करते हैं।
6. चलनिधि
सावधि जमा हैंअनकदी, क्योंकि निवेश की गई राशि एक निश्चित समय के लिए लॉक हो जाती है। यदि उस अवधि से पहले पैसा वापस ले लिया जाता है, तो एक निश्चित जुर्माना काट लिया जाता है। जबकि म्युचुअल फंड तरल होते हैं क्योंकि उन्हें कम समय में बिना ज्यादा खर्च किए बेचा जा सकता हैमूल्यह्रास फंड वैल्यू में। हालांकि, कुछ म्यूच्यूअल फण्ड को बेचने पर लागू होने वाले एक्जिट लोड पर नियंत्रण रखना महत्वपूर्ण है।
7. कराधान
सावधि जमा पर ब्याज पर व्यक्ति के टैक्स स्लैब के अनुसार कर लगाया जाता है। दूसरी ओर,म्यूचुअल फंड कराधान मुख्य रूप से होल्डिंग अवधि पर निर्भर करता है। शॉर्ट टर्म कैपिटल गेन्स (STCG) और लॉन्ग टर्म कैपिटल गेन्स (LTCG) दोनों पर अलग-अलग टैक्स लगता है।
8. टैक्स सेविंग FD की V/S इक्विटी लिंक्ड सेविंग स्कीम्स (ELSS)
उन निवेशकों के लिए जो आईटी अधिनियम की धारा 80 सी के तहत टैक्स सेविंग उद्देश्य के लिए एफडी पर विचार कर रहे हैं। (5 साल का लॉकिन)ईएलएसएस म्युचुअल फंड अच्छे विकल्प हैं क्योंकि उनके पास 3 साल का लॉक इन है और ऐतिहासिक रूप से बेहतर रिटर्न की पेशकश की है।
एक बेहतर निवेश योजना कौन सी है?
आइए संक्षेप में देखें:
| पैरामीटर | म्यूचुअल फंड | सावधि जमा |
|---|---|---|
| रिटर्न की दर | कोई सुनिश्चित रिटर्न नहीं | निश्चित रिटर्न |
| मुद्रास्फीति समायोजित रिटर्न | उच्च मुद्रास्फीति समायोजित रिटर्न की संभावना | आम तौर पर कम मुद्रास्फीति समायोजित रिटर्न |
| जोखिम | मध्यम से उच्च जोखिम | कम जोखिम |
| लिक्विडिटी | तरल | तरल |
| समयपूर्व निकासी | एक्जिट लोड/नो लोड के साथ अनुमत | दंड के साथ अनुमत |
| निवेश की लागत | प्रबंधन लागत/व्यय अनुपात | कोई लागत नहीं अाना |
| कर स्थिति | अनुकूल कर स्थिति | टैक्स स्लैब के अनुसार |
2022 में निवेश करने के लिए सर्वश्रेष्ठ म्युचुअल फंड
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2025 (%) DSP World Gold Fund Growth ₹63.6633
↓ -3.02 ₹1,441 10.8 -9.1 75.2 56.6 30 167.1 SBI PSU Fund Growth ₹34.1603
↓ -0.34 ₹6,678 -0.9 -7 13.8 22.3 23.2 11.3 Motilal Oswal Midcap 30 Fund Growth ₹104.219
↓ -2.59 ₹40,036 15.9 20 4.7 19.6 22.1 -12.1 ICICI Prudential Infrastructure Fund Growth ₹202.39
↓ -0.80 ₹8,523 1.4 3.4 7.4 18.6 22.1 6.7 DSP India T.I.G.E.R Fund Growth ₹362.979
↓ -0.84 ₹6,325 3.1 11.3 19.1 20.2 21.3 -2.5 LIC MF Infrastructure Fund Growth ₹54.5907
↓ -0.26 ₹1,145 1.9 8.6 15.6 23 21.3 -3.7 Nippon India Power and Infra Fund Growth ₹380.93
↓ -1.41 ₹8,042 -0.3 8.2 14.7 19.7 20.9 -0.5 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Aug 26 Research Highlights & Commentary of 7 Funds showcased
Commentary DSP World Gold Fund SBI PSU Fund Motilal Oswal Midcap 30 Fund ICICI Prudential Infrastructure Fund DSP India T.I.G.E.R Fund LIC MF Infrastructure Fund Nippon India Power and Infra Fund Point 1 Bottom quartile AUM (₹1,441 Cr). Lower mid AUM (₹6,678 Cr). Highest AUM (₹40,036 Cr). Upper mid AUM (₹8,523 Cr). Lower mid AUM (₹6,325 Cr). Bottom quartile AUM (₹1,145 Cr). Upper mid AUM (₹8,042 Cr). Point 2 Established history (18+ yrs). Established history (16+ yrs). Established history (12+ yrs). Established history (21+ yrs). Oldest track record among peers (22 yrs). Established history (18+ yrs). Established history (22+ yrs). Point 3 Rating: 3★ (upper mid). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Top rated. Not Rated. Rating: 4★ (upper mid). Point 4 Risk profile: High. Risk profile: High. Risk profile: Moderately High. Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: High. Point 5 5Y return: 30.05% (top quartile). 5Y return: 23.17% (upper mid). 5Y return: 22.08% (upper mid). 5Y return: 22.07% (lower mid). 5Y return: 21.33% (lower mid). 5Y return: 21.25% (bottom quartile). 5Y return: 20.93% (bottom quartile). Point 6 3Y return: 56.57% (top quartile). 3Y return: 22.25% (upper mid). 3Y return: 19.56% (bottom quartile). 3Y return: 18.59% (bottom quartile). 3Y return: 20.22% (lower mid). 3Y return: 23.02% (upper mid). 3Y return: 19.72% (lower mid). Point 7 1Y return: 75.22% (top quartile). 1Y return: 13.84% (lower mid). 1Y return: 4.73% (bottom quartile). 1Y return: 7.35% (bottom quartile). 1Y return: 19.12% (upper mid). 1Y return: 15.65% (upper mid). 1Y return: 14.70% (lower mid). Point 8 Alpha: 2.59 (upper mid). Alpha: -0.89 (bottom quartile). Alpha: -9.71 (bottom quartile). Alpha: 0.00 (lower mid). Alpha: 0.00 (lower mid). Alpha: 5.37 (upper mid). Alpha: 6.69 (top quartile). Point 9 Sharpe: 1.14 (top quartile). Sharpe: 0.28 (lower mid). Sharpe: -0.24 (bottom quartile). Sharpe: 0.04 (bottom quartile). Sharpe: 0.52 (upper mid). Sharpe: 0.28 (lower mid). Sharpe: 0.34 (upper mid). Point 10 Information ratio: -0.56 (bottom quartile). Information ratio: -0.34 (bottom quartile). Information ratio: 0.06 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.56 (top quartile). Information ratio: 0.40 (upper mid). DSP World Gold Fund
SBI PSU Fund
Motilal Oswal Midcap 30 Fund
ICICI Prudential Infrastructure Fund
DSP India T.I.G.E.R Fund
LIC MF Infrastructure Fund
Nippon India Power and Infra Fund
*नीचे 7 . की सूची हैसर्वश्रेष्ठ म्युचुअल फंड शुद्ध संपत्ति/एयूएम से अधिक होना "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 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 Below is the key information for SBI PSU Fund Returns up to 1 year are on (Erstwhile Motilal Oswal MOSt Focused Midcap 30 Fund) The investment objective of the Scheme is to achieve long term capital appreciation by investing in a maximum of 30 quality mid-cap companies having long-term competitive advantages and potential for growth. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved. Research Highlights for Motilal Oswal Midcap 30 Fund Below is the key information for Motilal Oswal Midcap 30 Fund Returns up to 1 year are on To generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure development and balance in debt securities and money market instruments. Research Highlights for ICICI Prudential Infrastructure Fund Below is the key information for ICICI Prudential Infrastructure Fund Returns up to 1 year are on To generate capital appreciation, from a portfolio that is substantially constituted of equity securities and equity related securities of corporates, which could benefit from structural changes brought about by continuing liberalization in economic policies by the government and/or continuing investments in infrastructure, both by the public and private sector. Research Highlights for DSP India T.I.G.E.R Fund Below is the key information for DSP India T.I.G.E.R Fund Returns up to 1 year are on The investment objective of the scheme is to provide long term growth from a portfolio of equity / equity related instruments of companies engaged either directly or indirectly in the infrastructure sector. Research Highlights for LIC MF Infrastructure Fund Below is the key information for LIC MF Infrastructure Fund Returns up to 1 year are on (Erstwhile Reliance Diversified Power Sector Fund) The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies in the power sector. Research Highlights for Nippon India Power and Infra Fund Below is the key information for Nippon India Power and Infra Fund Returns up to 1 year are on 100 करोड़. 5 साल के आधार पर छांटा गयासीएजीआर/वार्षिक रिटर्न।1. DSP World Gold Fund
DSP World Gold Fund
Growth Launch Date 14 Sep 07 NAV (31 Aug 26) ₹63.6633 ↓ -3.02 (-4.52 %) Net Assets (Cr) ₹1,441 on 31 Jul 26 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.41 Sharpe Ratio 1.14 Information Ratio -0.56 Alpha Ratio 2.59 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 21 ₹10,000 31 Aug 22 ₹7,679 31 Aug 23 ₹9,692 31 Aug 24 ₹12,678 31 Aug 25 ₹21,230 31 Aug 26 ₹37,198 Returns for DSP World Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Aug 26 Duration Returns 1 Month 30.2% 3 Month 10.8% 6 Month -9.1% 1 Year 75.2% 3 Year 56.6% 5 Year 30% 10 Year 15 Year Since launch 10.3% Historical performance (Yearly) on absolute basis
Year Returns 2025 167.1% 2024 15.9% 2023 7% 2022 -7.7% 2021 -9% 2020 31.4% 2019 35.1% 2018 -10.7% 2017 -4% 2016 52.7% Fund Manager information for DSP World Gold Fund
Name Since Tenure Kaivalya Nadkarni 1 May 25 1.25 Yr. Data below for DSP World Gold Fund as on 31 Jul 26
Equity Sector Allocation
Sector Value Basic Materials 91.57% Asset Allocation
Asset Class Value Cash 6.38% Equity 91.78% Debt 0.01% Other 1.84% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Gold I2
Investment Fund | -66% ₹954 Cr 983,452 VanEck Gold Miners ETF
- | GDX28% ₹405 Cr 573,719 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -4% ₹58 Cr Net Receivables/Payables
Net Current Assets | -2% ₹23 Cr 2. SBI PSU Fund
SBI PSU Fund
Growth Launch Date 7 Jul 10 NAV (01 Sep 26) ₹34.1603 ↓ -0.34 (-0.98 %) Net Assets (Cr) ₹6,678 on 31 Jul 26 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating ☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio 0.28 Information Ratio -0.34 Alpha Ratio -0.89 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 21 ₹10,000 31 Aug 22 ₹11,785 31 Aug 23 ₹15,512 31 Aug 24 ₹28,188 31 Aug 25 ₹24,899 31 Aug 26 ₹28,344 Returns for SBI PSU Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Aug 26 Duration Returns 1 Month 0.5% 3 Month -0.9% 6 Month -7% 1 Year 13.8% 3 Year 22.3% 5 Year 23.2% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2025 11.3% 2024 23.5% 2023 54% 2022 29% 2021 32.4% 2020 -10% 2019 6% 2018 -23.8% 2017 21.9% 2016 16.2% Fund Manager information for SBI PSU Fund
Name Since Tenure Rohit Shimpi 1 Jun 24 2.17 Yr. Data below for SBI PSU Fund as on 31 Jul 26
Equity Sector Allocation
Sector Value Financial Services 33.66% Utility 31.89% Industrials 14.38% Energy 11.69% Basic Materials 6.17% Asset Allocation
Asset Class Value Cash 1.87% Equity 98.05% Debt 0.07% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank of India (Financial Services)
Equity, Since 31 Jul 10 | SBIN17% ₹1,112 Cr 10,827,500 GAIL (India) Ltd (Utilities)
Equity, Since 31 May 24 | 5321559% ₹620 Cr 34,150,000
↓ -4,000,000 NTPC Ltd (Utilities)
Equity, Since 31 Jul 10 | 5325559% ₹606 Cr 17,443,244
↑ 2,000,000 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jul 10 | 5328988% ₹567 Cr 19,935,554 Bharat Electronics Ltd (Industrials)
Equity, Since 30 Jun 24 | BEL8% ₹550 Cr 14,185,000 Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 31 May 20 | 5003125% ₹355 Cr 14,655,000 Bank of Baroda (Financial Services)
Equity, Since 31 Aug 24 | 5321345% ₹348 Cr 14,350,000 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 31 Aug 24 | 5005475% ₹310 Cr 9,700,000 Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 30 Jun 25 | 5001034% ₹265 Cr 6,500,000 NMDC Ltd (Basic Materials)
Equity, Since 31 Oct 23 | 5263714% ₹237 Cr 27,900,000 3. Motilal Oswal Midcap 30 Fund
Motilal Oswal Midcap 30 Fund
Growth Launch Date 24 Feb 14 NAV (01 Sep 26) ₹104.219 ↓ -2.59 (-2.43 %) Net Assets (Cr) ₹40,036 on 31 Jul 26 Category Equity - Mid Cap AMC Motilal Oswal Asset Management Co. Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 1.56 Sharpe Ratio -0.24 Information Ratio 0.06 Alpha Ratio -9.71 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 21 ₹10,000 31 Aug 22 ₹12,549 31 Aug 23 ₹15,866 31 Aug 24 ₹25,879 31 Aug 25 ₹25,890 31 Aug 26 ₹27,113 Returns for Motilal Oswal Midcap 30 Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Aug 26 Duration Returns 1 Month 6.5% 3 Month 15.9% 6 Month 20% 1 Year 4.7% 3 Year 19.6% 5 Year 22.1% 10 Year 15 Year Since launch 20.8% Historical performance (Yearly) on absolute basis
Year Returns 2025 -12.1% 2024 57.1% 2023 41.7% 2022 10.7% 2021 55.8% 2020 9.3% 2019 9.7% 2018 -12.7% 2017 30.8% 2016 5.2% Fund Manager information for Motilal Oswal Midcap 30 Fund
Name Since Tenure Varun Sharma 21 Jan 26 0.53 Yr. Swapnil Mayekar 18 Nov 25 0.7 Yr. Ajay Khandelwal 1 Oct 24 1.83 Yr. Ankit Agarwal 21 Jan 26 0.53 Yr. Rakesh Shetty 22 Nov 22 3.69 Yr. Data below for Motilal Oswal Midcap 30 Fund as on 31 Jul 26
Equity Sector Allocation
Sector Value Technology 28.34% Financial Services 27.66% Consumer Cyclical 17.34% Industrials 13.7% Real Estate 2.58% Communication Services 2.55% Health Care 2.2% Energy 0.91% Consumer Defensive 0.6% Asset Allocation
Asset Class Value Cash 4.13% Equity 95.87% Top Securities Holdings / Portfolio
Name Holding Value Quantity Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 29 Feb 24 | KALYANKJIL9% ₹3,553 Cr 58,000,000
↓ -3,413,395 One97 Communications Ltd (Technology)
Equity, Since 30 Sep 24 | PAYTM8% ₹3,237 Cr 24,100,476 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Aug 25 | ETERNAL6% ₹2,552 Cr 84,386,866 Coforge Ltd (Technology)
Equity, Since 31 Mar 23 | COFORGE6% ₹2,235 Cr 12,988,926
↓ -2,464,386 Aditya Birla Capital Ltd (Financial Services)
Equity, Since 30 Jun 25 | ABCAPITAL5% ₹2,082 Cr 51,500,000
↓ -959,381 KEI Industries Ltd (Industrials)
Equity, Since 30 Nov 24 | KEI5% ₹1,925 Cr 3,850,000
↓ -20,834 Persistent Systems Ltd (Technology)
Equity, Since 31 Jan 23 | PERSISTENT5% ₹1,901 Cr 3,425,000
↓ -551,493 Billionbrains Garage Ventures Ltd (Financial Services)
Equity, Since 31 Jan 26 | GROWW4% ₹1,635 Cr 84,095,094
↓ -521,566 Shriram Finance Ltd (Financial Services)
Equity, Since 31 Jan 26 | SHRIRAMFIN4% ₹1,500 Cr 14,328,296
↑ 737,429 Dixon Technologies (India) Ltd (Technology)
Equity, Since 31 Mar 23 | DIXON3% ₹1,395 Cr 992,735
↓ -32,000 4. ICICI Prudential Infrastructure Fund
ICICI Prudential Infrastructure Fund
Growth Launch Date 31 Aug 05 NAV (01 Sep 26) ₹202.39 ↓ -0.80 (-0.39 %) Net Assets (Cr) ₹8,523 on 31 Jul 26 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio 0.04 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹12,240 31 Aug 23 ₹16,251 31 Aug 24 ₹26,185 31 Aug 25 ₹25,249 31 Aug 26 ₹27,106 Returns for ICICI Prudential Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Aug 26 Duration Returns 1 Month 0.3% 3 Month 1.4% 6 Month 3.4% 1 Year 7.4% 3 Year 18.6% 5 Year 22.1% 10 Year 15 Year Since launch 15.4% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.7% 2024 27.4% 2023 44.6% 2022 28.8% 2021 50.1% 2020 3.6% 2019 2.6% 2018 -14% 2017 40.8% 2016 2% Fund Manager information for ICICI Prudential Infrastructure Fund
Name Since Tenure Ihab Dalwai 3 Jun 17 9.17 Yr. Sharmila D’mello 30 Jun 22 4.09 Yr. Data below for ICICI Prudential Infrastructure Fund as on 31 Jul 26
Equity Sector Allocation
Sector Value Industrials 43.42% Basic Materials 13.66% Utility 10.45% Financial Services 9.8% Real Estate 8.34% Energy 7.84% Consumer Cyclical 2.16% Communication Services 0.06% Asset Allocation
Asset Class Value Cash 3.29% Equity 96.71% Top Securities Holdings / Portfolio
Name Holding Value Quantity InterGlobe Aviation Ltd (Industrials)
Equity, Since 28 Feb 23 | INDIGO8% ₹673 Cr 1,301,985 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 09 | LT6% ₹500 Cr 1,268,485 Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 23 | RELIANCE5% ₹396 Cr 3,029,725
↑ 1,050,000 Oberoi Realty Ltd (Real Estate)
Equity, Since 31 May 23 | OBEROIRLTY4% ₹373 Cr 2,038,517
↓ -100,909 NTPC Ltd (Utilities)
Equity, Since 29 Feb 16 | 5325554% ₹300 Cr 8,626,448 Shree Cement Ltd (Basic Materials)
Equity, Since 30 Apr 24 | 5003873% ₹279 Cr 106,892 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 22 | HDFCBANK3% ₹251 Cr 3,357,506 Brigade Enterprises Ltd (Real Estate)
Equity, Since 30 Nov 25 | 5329293% ₹247 Cr 4,257,556 Kalpataru Projects International Ltd (Industrials)
Equity, Since 30 Sep 06 | KPIL3% ₹236 Cr 1,830,742 AIA Engineering Ltd (Industrials)
Equity, Since 28 Feb 21 | AIAENG3% ₹233 Cr 507,392
↓ -48,354 5. DSP India T.I.G.E.R Fund
DSP India T.I.G.E.R Fund
Growth Launch Date 11 Jun 04 NAV (01 Sep 26) ₹362.979 ↓ -0.84 (-0.23 %) Net Assets (Cr) ₹6,325 on 31 Jul 26 Category Equity - Sectoral AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio 0.52 Information Ratio 0 Alpha Ratio 0 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 21 ₹10,000 31 Aug 22 ₹11,274 31 Aug 23 ₹15,130 31 Aug 24 ₹24,720 31 Aug 25 ₹22,070 31 Aug 26 ₹26,291 Returns for DSP India T.I.G.E.R Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Aug 26 Duration Returns 1 Month 1.2% 3 Month 3.1% 6 Month 11.3% 1 Year 19.1% 3 Year 20.2% 5 Year 21.3% 10 Year 15 Year Since launch 17.6% Historical performance (Yearly) on absolute basis
Year Returns 2025 -2.5% 2024 32.4% 2023 49% 2022 13.9% 2021 51.6% 2020 2.7% 2019 6.7% 2018 -17.2% 2017 47% 2016 4.1% Fund Manager information for DSP India T.I.G.E.R Fund
Name Since Tenure Rohit Singhania 21 Jun 10 16.12 Yr. Data below for DSP India T.I.G.E.R Fund as on 31 Jul 26
Equity Sector Allocation
Sector Value Industrials 27.78% Energy 12.96% Basic Materials 11.37% Utility 9.41% Financial Services 8.76% Health Care 5.86% Consumer Cyclical 5.03% Communication Services 2.65% Real Estate 1.51% Technology 1% Consumer Defensive 0.13% Asset Allocation
Asset Class Value Cash 10.3% Equity 89.7% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reliance Industries Ltd (Energy)
Equity, Since 31 Aug 19 | RELIANCE7% ₹427 Cr 3,267,164
↑ 246,542 NTPC Ltd (Utilities)
Equity, Since 30 Nov 17 | 5325555% ₹321 Cr 9,249,176 Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 31 Dec 24 | APOLLOHOSP4% ₹270 Cr 301,630 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 04 | LT4% ₹232 Cr 588,665 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Oct 25 | HAL3% ₹197 Cr 423,779 Nifty Aug26
- | -3% ₹190 Cr 77,805
↑ 77,805 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 18 | BHARTIARTL3% ₹168 Cr 849,969 Bharat Electronics Ltd (Industrials)
Equity, Since 31 May 26 | BEL3% ₹158 Cr 4,081,390 Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 31 Mar 24 | 5003122% ₹143 Cr 5,888,442
↑ 2,674,891 UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Dec 14 | 5325382% ₹140 Cr 118,010 6. LIC MF Infrastructure Fund
LIC MF Infrastructure Fund
Growth Launch Date 29 Feb 08 NAV (01 Sep 26) ₹54.5907 ↓ -0.26 (-0.47 %) Net Assets (Cr) ₹1,145 on 31 Jul 26 Category Equity - Sectoral AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating Risk High Expense Ratio 2.21 Sharpe Ratio 0.28 Information Ratio 0.56 Alpha Ratio 5.37 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹11,438 31 Aug 23 ₹14,078 31 Aug 24 ₹25,080 31 Aug 25 ₹22,664 31 Aug 26 ₹26,211 Returns for LIC MF Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Aug 26 Duration Returns 1 Month 0.5% 3 Month 1.9% 6 Month 8.6% 1 Year 15.6% 3 Year 23% 5 Year 21.3% 10 Year 15 Year Since launch 9.6% Historical performance (Yearly) on absolute basis
Year Returns 2025 -3.7% 2024 47.8% 2023 44.4% 2022 7.9% 2021 46.6% 2020 -0.1% 2019 13.3% 2018 -14.6% 2017 42.2% 2016 -2.2% Fund Manager information for LIC MF Infrastructure Fund
Name Since Tenure Mahesh Bendre 1 Jul 24 2.08 Yr. Data below for LIC MF Infrastructure Fund as on 31 Jul 26
Equity Sector Allocation
Sector Value Industrials 36.3% Consumer Cyclical 19.93% Financial Services 9.79% Basic Materials 9.64% Utility 9.62% Real Estate 5.65% Communication Services 3.64% Asset Allocation
Asset Class Value Cash 5.32% Equity 94.68% Top Securities Holdings / Portfolio
Name Holding Value Quantity Indo MIM Ltd (Industrials)
Equity, Since 31 Jul 26 | INDOMIM5% ₹63 Cr 805,997
↑ 805,997 Tata Motors Passenger Vehicles Ltd (Consumer Cyclical)
Equity, Since 28 Feb 26 | TMPV4% ₹42 Cr 1,224,915 Tata Motors Ltd (Consumer Cyclical)
Equity, Since 31 Oct 25 | TMCV4% ₹41 Cr 944,348 Garware Hi-Tech Films Ltd (Basic Materials)
Equity, Since 31 Aug 23 | 5006554% ₹41 Cr 57,317 Phoenix Mills Ltd (Real Estate)
Equity, Since 31 Jul 26 | 5031003% ₹39 Cr 206,535
↑ 206,535 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Apr 09 | LT3% ₹38 Cr 96,023 Tata Power Co Ltd (Utilities)
Equity, Since 29 Feb 24 | 5004003% ₹33 Cr 861,040 KSH International Ltd (Industrials)
Equity, Since 31 Dec 25 | KSHINTL3% ₹31 Cr 367,501 Carraro India Ltd (Consumer Cyclical)
Equity, Since 31 Dec 24 | CARRARO3% ₹30 Cr 565,917 Hitachi Energy India Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 26 | POWERINDIA3% ₹29 Cr 9,105
↑ 3,628 7. Nippon India Power and Infra Fund
Nippon India Power and Infra Fund
Growth Launch Date 8 May 04 NAV (01 Sep 26) ₹380.93 ↓ -1.41 (-0.37 %) Net Assets (Cr) ₹8,042 on 31 Jul 26 Category Equity - Sectoral AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk High Expense Ratio 1.85 Sharpe Ratio 0.34 Information Ratio 0.4 Alpha Ratio 6.69 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹11,087 31 Aug 23 ₹15,068 31 Aug 24 ₹25,109 31 Aug 25 ₹22,543 31 Aug 26 ₹25,857 Returns for Nippon India Power and Infra Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Aug 26 Duration Returns 1 Month 0.3% 3 Month -0.3% 6 Month 8.2% 1 Year 14.7% 3 Year 19.7% 5 Year 20.9% 10 Year 15 Year Since launch 17.7% Historical performance (Yearly) on absolute basis
Year Returns 2025 -0.5% 2024 26.9% 2023 58% 2022 10.9% 2021 48.9% 2020 10.8% 2019 -2.9% 2018 -21.1% 2017 61.7% 2016 0.1% Fund Manager information for Nippon India Power and Infra Fund
Name Since Tenure Kinjal Desai 25 May 18 8.19 Yr. Rahul Modi 19 Aug 24 1.95 Yr. Amber Singhania 11 Mar 26 0.39 Yr. Data below for Nippon India Power and Infra Fund as on 31 Jul 26
Equity Sector Allocation
Sector Value Industrials 37.06% Utility 20.05% Consumer Cyclical 12.45% Energy 9.09% Basic Materials 7.48% Financial Services 3.84% Technology 3.6% Communication Services 2.53% Real Estate 1.7% Health Care 1.5% Asset Allocation
Asset Class Value Cash 0.72% Equity 99.28% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 18 | RELIANCE8% ₹609 Cr 4,660,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 07 | LT7% ₹550 Cr 1,396,958 NTPC Ltd (Utilities)
Equity, Since 31 May 09 | 5325555% ₹438 Cr 12,600,000 NTPC Green Energy Ltd (Utilities)
Equity, Since 30 Nov 24 | NTPCGREEN4% ₹295 Cr 32,747,646
↑ 3,050,000 Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 30 Sep 24 | 5001033% ₹260 Cr 6,400,000
↑ 300,000 Power Finance Corp Ltd (Financial Services)
Equity, Since 31 Oct 24 | 5328103% ₹204 Cr 4,800,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 18 | BHARTIARTL3% ₹203 Cr 1,030,000 Triveni Turbine Ltd (Industrials)
Equity, Since 30 Jun 25 | 5336552% ₹184 Cr 3,053,288 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 30 Sep 20 | HAL2% ₹182 Cr 392,000 Ambuja Cements Ltd (Basic Materials)
Equity, Since 31 Mar 26 | 5004252% ₹181 Cr 4,188,394
↑ 440,000
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Great Read. Clarified my doubts.