+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 (%) 2024 (%) ICICI Prudential Infrastructure Fund Growth ₹197.92
↑ 4.97 ₹8,311 6.2 1.6 1.1 21.3 23 6.7 LIC MF Infrastructure Fund Growth ₹53.0141
↑ 1.24 ₹1,047 9.6 8.8 6.7 26.7 23 -3.7 DSP India T.I.G.E.R Fund Growth ₹351.015
↑ 6.24 ₹5,789 11.4 12.8 13.5 24.7 22.9 -2.5 Nippon India Power and Infra Fund Growth ₹375.003
↑ 9.29 ₹7,707 9.1 9.2 9.1 23.5 22.4 -0.5 SBI PSU Fund Growth ₹34.6154
↑ 0.54 ₹6,669 -2.3 4.9 7.9 28.4 22.4 11.3 Canara Robeco Infrastructure Growth ₹166.93
↑ 3.44 ₹989 3.5 6.2 5.2 22.2 21.7 0.1 Invesco India PSU Equity Fund Growth ₹64.61
↑ 1.26 ₹1,520 -2.9 0.6 1.1 24.2 21.1 10.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 Jun 26 Research Highlights & Commentary of 7 Funds showcased
Commentary ICICI Prudential Infrastructure Fund LIC MF Infrastructure Fund DSP India T.I.G.E.R Fund Nippon India Power and Infra Fund SBI PSU Fund Canara Robeco Infrastructure Invesco India PSU Equity Fund Point 1 Highest AUM (₹8,311 Cr). Bottom quartile AUM (₹1,047 Cr). Lower mid AUM (₹5,789 Cr). Upper mid AUM (₹7,707 Cr). Upper mid AUM (₹6,669 Cr). Bottom quartile AUM (₹989 Cr). Lower mid AUM (₹1,520 Cr). Point 2 Established history (20+ yrs). Established history (18+ yrs). Oldest track record among peers (22 yrs). Established history (22+ yrs). Established history (15+ yrs). Established history (20+ yrs). Established history (16+ yrs). Point 3 Rating: 3★ (upper mid). Not Rated. Top rated. Rating: 4★ (upper mid). Rating: 2★ (lower mid). Not Rated. Rating: 3★ (lower mid). Point 4 Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: High. Point 5 5Y return: 23.03% (top quartile). 5Y return: 22.98% (upper mid). 5Y return: 22.94% (upper mid). 5Y return: 22.43% (lower mid). 5Y return: 22.42% (lower mid). 5Y return: 21.70% (bottom quartile). 5Y return: 21.13% (bottom quartile). Point 6 3Y return: 21.30% (bottom quartile). 3Y return: 26.68% (upper mid). 3Y return: 24.75% (upper mid). 3Y return: 23.47% (lower mid). 3Y return: 28.43% (top quartile). 3Y return: 22.19% (bottom quartile). 3Y return: 24.20% (lower mid). Point 7 1Y return: 1.07% (bottom quartile). 1Y return: 6.70% (lower mid). 1Y return: 13.45% (top quartile). 1Y return: 9.11% (upper mid). 1Y return: 7.89% (upper mid). 1Y return: 5.17% (lower mid). 1Y return: 1.10% (bottom quartile). Point 8 Alpha: 0.00 (upper mid). Alpha: 10.33 (top quartile). Alpha: 0.00 (lower mid). Alpha: 7.84 (upper mid). Alpha: -2.06 (bottom quartile). Alpha: 0.00 (lower mid). Alpha: -6.52 (bottom quartile). Point 9 Sharpe: 0.34 (bottom quartile). Sharpe: 0.59 (upper mid). Sharpe: 0.68 (top quartile). Sharpe: 0.54 (lower mid). Sharpe: 0.58 (upper mid). Sharpe: 0.57 (lower mid). Sharpe: 0.38 (bottom quartile). Point 10 Information ratio: 0.00 (upper mid). Information ratio: 0.50 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.64 (top quartile). Information ratio: -0.34 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: -0.68 (bottom quartile). ICICI Prudential Infrastructure Fund
LIC MF Infrastructure Fund
DSP India T.I.G.E.R Fund
Nippon India Power and Infra Fund
SBI PSU Fund
Canara Robeco Infrastructure
Invesco India PSU Equity Fund
*नीचे 7 . की सूची हैसर्वश्रेष्ठ म्युचुअल फंड शुद्ध संपत्ति/एयूएम से अधिक होना 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 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 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 (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 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 T o g e n e r a t e income/capital appreciation by investing in equities and equity related instruments of companies in the infrastructure sector. However, there can be no assurance that the investment objective of the scheme will be realized. Research Highlights for Canara Robeco Infrastructure Below is the key information for Canara Robeco Infrastructure Returns up to 1 year are on 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 Below is the key information for Invesco India PSU Equity Fund Returns up to 1 year are on 100 करोड़. 5 साल के आधार पर छांटा गयासीएजीआर/वार्षिक रिटर्न।1. ICICI Prudential Infrastructure Fund
ICICI Prudential Infrastructure Fund
Growth Launch Date 31 Aug 05 NAV (12 Jun 26) ₹197.92 ↑ 4.97 (2.58 %) Net Assets (Cr) ₹8,311 on 30 Apr 26 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio 0.34 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 May 21 ₹10,000 31 May 22 ₹12,289 31 May 23 ₹15,941 31 May 24 ₹26,282 31 May 25 ₹28,419 31 May 26 ₹29,491 Returns for ICICI Prudential Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Jun 26 Duration Returns 1 Month 0.9% 3 Month 6.2% 6 Month 1.6% 1 Year 1.1% 3 Year 21.3% 5 Year 23% 10 Year 15 Year Since launch 15.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.7% 2023 27.4% 2022 44.6% 2021 28.8% 2020 50.1% 2019 3.6% 2018 2.6% 2017 -14% 2016 40.8% 2015 2% Fund Manager information for ICICI Prudential Infrastructure Fund
Name Since Tenure Ihab Dalwai 3 Jun 17 9 Yr. Sharmila D’mello 30 Jun 22 3.92 Yr. Data below for ICICI Prudential Infrastructure Fund as on 30 Apr 26
Equity Sector Allocation
Sector Value Industrials 47.27% Financial Services 10.61% Utility 10.29% Basic Materials 9.54% Real Estate 8.74% Energy 5.85% Consumer Cyclical 2.04% Communication Services 0.1% Asset Allocation
Asset Class Value Cash 4.86% Equity 95.14% Top Securities Holdings / Portfolio
Name Holding Value Quantity InterGlobe Aviation Ltd (Industrials)
Equity, Since 28 Feb 23 | INDIGO8% ₹705 Cr 1,641,985
↓ -20,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 09 | LT7% ₹604 Cr 1,505,704 Oberoi Realty Ltd (Real Estate)
Equity, Since 31 May 23 | OBEROIRLTY4% ₹357 Cr 2,139,426
↓ -497,376 NTPC Ltd (Utilities)
Equity, Since 29 Feb 16 | 5325554% ₹344 Cr 8,626,448
↓ -700,000 Brigade Enterprises Ltd (Real Estate)
Equity, Since 30 Nov 25 | 5329293% ₹260 Cr 3,288,140
↓ -75,737 Kalpataru Projects International Ltd (Industrials)
Equity, Since 30 Sep 06 | KPIL3% ₹251 Cr 2,005,608 Shree Cement Ltd (Basic Materials)
Equity, Since 30 Apr 24 | 5003873% ₹250 Cr 103,505
↑ 5,213 Container Corporation of India Ltd (Industrials)
Equity, Since 31 Jan 16 | CONCOR3% ₹249 Cr 4,885,153
↓ -257,287 NCC Ltd (Industrials)
Equity, Since 31 Aug 21 | NCC3% ₹240 Cr 14,665,904 Afcons Infrastructure Ltd (Industrials)
Equity, Since 31 Oct 24 | AFCONS3% ₹232 Cr 6,826,347
↓ -116,130 2. LIC MF Infrastructure Fund
LIC MF Infrastructure Fund
Growth Launch Date 29 Feb 08 NAV (12 Jun 26) ₹53.0141 ↑ 1.24 (2.40 %) Net Assets (Cr) ₹1,047 on 30 Apr 26 Category Equity - Sectoral AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating Risk High Expense Ratio 2.21 Sharpe Ratio 0.59 Information Ratio 0.5 Alpha Ratio 10.33 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 May 21 ₹10,000 31 May 22 ₹11,769 31 May 23 ₹13,631 31 May 24 ₹24,318 31 May 25 ₹26,424 31 May 26 ₹28,936 Returns for LIC MF Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Jun 26 Duration Returns 1 Month 3.4% 3 Month 9.6% 6 Month 8.8% 1 Year 6.7% 3 Year 26.7% 5 Year 23% 10 Year 15 Year Since launch 9.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 -3.7% 2023 47.8% 2022 44.4% 2021 7.9% 2020 46.6% 2019 -0.1% 2018 13.3% 2017 -14.6% 2016 42.2% 2015 -2.2% Fund Manager information for LIC MF Infrastructure Fund
Name Since Tenure Sumit Bhatnagar 7 Apr 26 0.15 Yr. Mahesh Bendre 1 Jul 24 1.92 Yr. Data below for LIC MF Infrastructure Fund as on 30 Apr 26
Equity Sector Allocation
Sector Value Industrials 32.59% Consumer Cyclical 24.07% Utility 9.79% Basic Materials 9.21% Communication Services 7.33% Financial Services 4.31% Health Care 3.19% Real Estate 2.12% Technology 0.79% Asset Allocation
Asset Class Value Cash 6.6% Equity 93.4% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 09 | BHARTIARTL5% ₹53 Cr 281,826
↑ 118,739 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Apr 09 | LT5% ₹47 Cr 117,852
↑ 2,505 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 30 Sep 25 | MARUTI4% ₹45 Cr 33,850
↑ 22,497 Tata Motors Passenger Vehicles Ltd (Consumer Cyclical)
Equity, Since 28 Feb 26 | TMPV4% ₹45 Cr 1,315,651
↑ 461,129 Tata Motors Ltd (Consumer Cyclical)
Equity, Since 31 Oct 25 | TMCV4% ₹41 Cr 988,950
↑ 422,131 Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 30 Jun 25 | APOLLOHOSP3% ₹33 Cr 43,676
↑ 928 NTPC Ltd (Utilities)
Equity, Since 31 Mar 23 | 5325553% ₹33 Cr 821,696
↑ 17,465 Carraro India Ltd (Consumer Cyclical)
Equity, Since 31 Dec 24 | CARRARO3% ₹32 Cr 572,991
↑ 155,777 Garware Hi-Tech Films Ltd (Basic Materials)
Equity, Since 31 Aug 23 | 5006553% ₹29 Cr 73,009
↑ 1,551 Bharat Bijlee Ltd (Industrials)
Equity, Since 31 Jul 22 | BBL3% ₹29 Cr 92,628
↑ 1,968 3. DSP India T.I.G.E.R Fund
DSP India T.I.G.E.R Fund
Growth Launch Date 11 Jun 04 NAV (12 Jun 26) ₹351.015 ↑ 6.24 (1.81 %) Net Assets (Cr) ₹5,789 on 30 Apr 26 Category Equity - Sectoral AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio 0.68 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 May 21 ₹10,000 31 May 22 ₹11,655 31 May 23 ₹14,449 31 May 24 ₹25,883 31 May 25 ₹25,501 31 May 26 ₹29,155 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 12 Jun 26 Duration Returns 1 Month 2.4% 3 Month 11.4% 6 Month 12.8% 1 Year 13.5% 3 Year 24.7% 5 Year 22.9% 10 Year 15 Year Since launch 17.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 -2.5% 2023 32.4% 2022 49% 2021 13.9% 2020 51.6% 2019 2.7% 2018 6.7% 2017 -17.2% 2016 47% 2015 4.1% Fund Manager information for DSP India T.I.G.E.R Fund
Name Since Tenure Rohit Singhania 21 Jun 10 15.96 Yr. Data below for DSP India T.I.G.E.R Fund as on 30 Apr 26
Equity Sector Allocation
Sector Value Industrials 28.28% Basic Materials 13.45% Financial Services 11.29% Utility 9.78% Consumer Cyclical 8.26% Energy 6.96% Health Care 5.89% Communication Services 2.77% Real Estate 1.52% Technology 1.51% Consumer Defensive 0.89% Asset Allocation
Asset Class Value Cash 9.38% Equity 90.62% Top Securities Holdings / Portfolio
Name Holding Value Quantity NTPC Ltd (Utilities)
Equity, Since 30 Nov 17 | 5325555% ₹261 Cr 6,528,592
↓ -534,615 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 04 | LT4% ₹236 Cr 588,665 Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 31 Dec 24 | APOLLOHOSP4% ₹230 Cr 301,630 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 31 May 25 | MCX3% ₹174 Cr 585,612
↓ -95,213 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 18 | BHARTIARTL3% ₹160 Cr 849,969 Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Dec 24 | AMBER3% ₹154 Cr 191,592
↓ -27,642 Kirloskar Oil Engines Ltd (Industrials)
Equity, Since 31 Mar 23 | KIRLOSENG2% ₹142 Cr 834,973 INOX India Ltd (Industrials)
Equity, Since 31 Dec 23 | INOXINDIA2% ₹137 Cr 940,841 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Oct 25 | HAL2% ₹132 Cr 305,098 Coal India Ltd (Energy)
Equity, Since 31 Dec 23 | COALINDIA2% ₹130 Cr 2,705,180 4. Nippon India Power and Infra Fund
Nippon India Power and Infra Fund
Growth Launch Date 8 May 04 NAV (12 Jun 26) ₹375.003 ↑ 9.29 (2.54 %) Net Assets (Cr) ₹7,707 on 30 Apr 26 Category Equity - Sectoral AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk High Expense Ratio 1.85 Sharpe Ratio 0.54 Information Ratio 0.64 Alpha Ratio 7.84 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 May 21 ₹10,000 31 May 22 ₹11,291 31 May 23 ₹14,690 31 May 24 ₹26,370 31 May 25 ₹26,323 31 May 26 ₹29,409 Returns for Nippon India Power and Infra Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Jun 26 Duration Returns 1 Month 0.8% 3 Month 9.1% 6 Month 9.2% 1 Year 9.1% 3 Year 23.5% 5 Year 22.4% 10 Year 15 Year Since launch 17.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 -0.5% 2023 26.9% 2022 58% 2021 10.9% 2020 48.9% 2019 10.8% 2018 -2.9% 2017 -21.1% 2016 61.7% 2015 0.1% Fund Manager information for Nippon India Power and Infra Fund
Name Since Tenure Kinjal Desai 25 May 18 8.02 Yr. Rahul Modi 19 Aug 24 1.78 Yr. Amber Singhania 11 Mar 26 0.22 Yr. Data below for Nippon India Power and Infra Fund as on 30 Apr 26
Equity Sector Allocation
Sector Value Industrials 35.15% Utility 22.71% Consumer Cyclical 10.87% Energy 10.01% Basic Materials 6.11% Technology 4.98% Financial Services 3.58% Health Care 2.11% Communication Services 2.08% Real Estate 1.65% Asset Allocation
Asset Class Value Cash 0.74% Equity 99.26% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 18 | RELIANCE9% ₹667 Cr 4,660,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 07 | LT7% ₹541 Cr 1,346,958
↑ 182,621 NTPC Ltd (Utilities)
Equity, Since 31 May 09 | 5325557% ₹525 Cr 13,154,060
↓ -645,940 NTPC Green Energy Ltd (Utilities)
Equity, Since 30 Nov 24 | NTPCGREEN4% ₹288 Cr 26,191,079
↑ 1,700,000 Tata Power Co Ltd (Utilities)
Equity, Since 30 Apr 23 | 5004003% ₹265 Cr 5,950,789
↓ -1,650,000 Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 30 Sep 24 | 5001033% ₹245 Cr 6,948,468
↑ 100,000 CG Power & Industrial Solutions Ltd (Industrials)
Equity, Since 30 Sep 24 | 5000932% ₹176 Cr 2,170,014
↓ -550,000 Triveni Turbine Ltd (Industrials)
Equity, Since 30 Jun 25 | 5336552% ₹176 Cr 3,073,288
↑ 60,249 Power Finance Corp Ltd (Financial Services)
Equity, Since 31 Oct 24 | 5328102% ₹175 Cr 3,900,000
↑ 300,000 UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Oct 19 | 5325382% ₹174 Cr 150,000 5. SBI PSU Fund
SBI PSU Fund
Growth Launch Date 7 Jul 10 NAV (12 Jun 26) ₹34.6154 ↑ 0.54 (1.57 %) Net Assets (Cr) ₹6,669 on 30 Apr 26 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating ☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio 0.58 Information Ratio -0.34 Alpha Ratio -2.06 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 May 21 ₹10,000 31 May 22 ₹10,885 31 May 23 ₹13,250 31 May 24 ₹26,908 31 May 25 ₹26,604 31 May 26 ₹29,030 Returns for SBI PSU Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Jun 26 Duration Returns 1 Month -0.5% 3 Month -2.3% 6 Month 4.9% 1 Year 7.9% 3 Year 28.4% 5 Year 22.4% 10 Year 15 Year Since launch 8.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 11.3% 2023 23.5% 2022 54% 2021 29% 2020 32.4% 2019 -10% 2018 6% 2017 -23.8% 2016 21.9% 2015 16.2% Fund Manager information for SBI PSU Fund
Name Since Tenure Rohit Shimpi 1 Jun 24 2 Yr. Data below for SBI PSU Fund as on 30 Apr 26
Equity Sector Allocation
Sector Value Financial Services 31.44% Utility 31.28% Industrials 13.3% Energy 12.65% Basic Materials 6.77% Asset Allocation
Asset Class Value Cash 4.48% Equity 95.45% Debt 0.07% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank of India (Financial Services)
Equity, Since 31 Jul 10 | SBIN17% ₹1,125 Cr 10,527,500
↑ 600,000 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jul 10 | 53289810% ₹635 Cr 19,935,554 GAIL (India) Ltd (Utilities)
Equity, Since 31 May 24 | 5321559% ₹623 Cr 38,150,000 NTPC Ltd (Utilities)
Equity, Since 31 Jul 10 | 5325559% ₹616 Cr 15,443,244 Bharat Electronics Ltd (Industrials)
Equity, Since 30 Jun 24 | BEL9% ₹577 Cr 13,385,000 Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 31 May 20 | 5003127% ₹439 Cr 14,655,000
↑ 1,100,000 Bank of Baroda (Financial Services)
Equity, Since 31 Aug 24 | 5321345% ₹345 Cr 13,100,000 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 31 Aug 24 | 5005474% ₹291 Cr 9,700,000 NMDC Ltd (Basic Materials)
Equity, Since 31 Oct 23 | 5263714% ₹252 Cr 27,900,000 Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 30 Jun 25 | 5001033% ₹229 Cr 6,500,000 6. Canara Robeco Infrastructure
Canara Robeco Infrastructure
Growth Launch Date 2 Dec 05 NAV (12 Jun 26) ₹166.93 ↑ 3.44 (2.10 %) Net Assets (Cr) ₹989 on 30 Apr 26 Category Equity - Sectoral AMC Canara Robeco Asset Management Co. Ltd. Rating Risk High Expense Ratio 2.32 Sharpe Ratio 0.58 Information Ratio 0 Alpha Ratio 0 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 May 21 ₹10,000 31 May 22 ₹11,826 31 May 23 ₹14,481 31 May 24 ₹24,941 31 May 25 ₹25,748 31 May 26 ₹27,695 Returns for Canara Robeco Infrastructure
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Jun 26 Duration Returns 1 Month 0.7% 3 Month 3.5% 6 Month 6.2% 1 Year 5.2% 3 Year 22.2% 5 Year 21.7% 10 Year 15 Year Since launch 14.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 0.1% 2023 35.3% 2022 41.2% 2021 9% 2020 56.1% 2019 9% 2018 2.3% 2017 -19.1% 2016 40.2% 2015 2.1% Fund Manager information for Canara Robeco Infrastructure
Name Since Tenure Vishal Mishra 26 Jun 21 4.93 Yr. Shridatta Bhandwaldar 29 Sep 18 7.68 Yr. Data below for Canara Robeco Infrastructure as on 30 Apr 26
Equity Sector Allocation
Sector Value Industrials 46.61% Utility 13.19% Basic Materials 10.47% Energy 7.67% Financial Services 7.17% Technology 3.55% Communication Services 3.08% Consumer Cyclical 2.91% Real Estate 1.1% Asset Allocation
Asset Class Value Cash 4.24% Equity 95.76% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 28 Feb 11 | LT9% ₹93 Cr 232,901
↑ 15,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 22 | RELIANCE5% ₹45 Cr 313,750
↑ 19,500 CG Power & Industrial Solutions Ltd (Industrials)
Equity, Since 31 Oct 23 | 5000934% ₹43 Cr 525,650
↑ 50,000 NTPC Ltd (Utilities)
Equity, Since 30 Nov 18 | 5325554% ₹43 Cr 1,066,480
↓ -40,000 State Bank of India (Financial Services)
Equity, Since 31 Jul 24 | SBIN4% ₹41 Cr 386,500
↑ 62,500 Tata Power Co Ltd (Utilities)
Equity, Since 30 Sep 24 | 5004004% ₹39 Cr 870,000 Bharat Electronics Ltd (Industrials)
Equity, Since 31 Jul 19 | BEL4% ₹37 Cr 869,000 Cummins India Ltd (Industrials)
Equity, Since 31 Jul 24 | 5004803% ₹31 Cr 58,500 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 24 | BHARTIARTL3% ₹30 Cr 161,600
↑ 15,000 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Oct 09 | 5328983% ₹30 Cr 932,546
↓ -75,000 7. Invesco India PSU Equity Fund
Invesco India PSU Equity Fund
Growth Launch Date 18 Nov 09 NAV (12 Jun 26) ₹64.61 ↑ 1.26 (1.99 %) Net Assets (Cr) ₹1,520 on 30 Apr 26 Category Equity - Sectoral AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk High Expense Ratio 2.14 Sharpe Ratio 0.38 Information Ratio -0.68 Alpha Ratio -6.52 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 May 21 ₹10,000 31 May 22 ₹10,735 31 May 23 ₹13,546 31 May 24 ₹27,302 31 May 25 ₹26,817 31 May 26 ₹27,281 Returns for Invesco India PSU Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Jun 26 Duration Returns 1 Month -1.2% 3 Month -2.9% 6 Month 0.6% 1 Year 1.1% 3 Year 24.2% 5 Year 21.1% 10 Year 15 Year Since launch 11.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 10.3% 2023 25.6% 2022 54.5% 2021 20.5% 2020 31.1% 2019 6.1% 2018 10.1% 2017 -16.9% 2016 24.3% 2015 17.9% Fund Manager information for Invesco India PSU Equity Fund
Name Since Tenure Hiten Jain 1 Jul 25 0.92 Yr. Sagar Gandhi 1 Jul 25 0.92 Yr. Data below for Invesco India PSU Equity Fund as on 30 Apr 26
Equity Sector Allocation
Sector Value Industrials 30.48% Financial Services 29.04% Utility 19.36% Energy 13.82% Basic Materials 3.27% Consumer Cyclical 1.63% Asset Allocation
Asset Class Value Cash 2.4% Equity 97.6% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank of India (Financial Services)
Equity, Since 28 Feb 21 | SBIN8% ₹125 Cr 1,171,232 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | HAL7% ₹113 Cr 261,137 Indian Bank (Financial Services)
Equity, Since 30 Jun 21 | 5328147% ₹108 Cr 1,263,319
↑ 105,875 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 30 Sep 18 | 5005476% ₹92 Cr 3,076,024 Bharat Electronics Ltd (Industrials)
Equity, Since 31 Mar 17 | BEL6% ₹90 Cr 2,078,629 NTPC Green Energy Ltd (Utilities)
Equity, Since 30 Nov 24 | NTPCGREEN5% ₹75 Cr 6,852,914 NTPC Ltd (Utilities)
Equity, Since 31 May 19 | 5325555% ₹72 Cr 1,801,543 Bank of Baroda (Financial Services)
Equity, Since 30 Jun 21 | 5321345% ₹69 Cr 2,611,219 Bharat Dynamics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | BDL4% ₹64 Cr 471,527 Dredging Corp of India Ltd (Industrials)
Equity, Since 31 Jul 25 | DREDGECORP4% ₹61 Cr 646,300
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Great Read. Clarified my doubts.