+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 ₹198.54
↑ 0.31 ₹8,232 2 4.1 8.5 26.6 34.1 27.4 HDFC Infrastructure Fund Growth ₹48.487
↑ 0.04 ₹2,586 1.5 3.6 6.6 26.8 31.9 23 SBI PSU Fund Growth ₹34.0515
↓ -0.01 ₹5,714 8.5 8.2 11.1 29.4 31.3 23.5 Motilal Oswal Midcap 30 Fund Growth ₹103.806
↓ -0.10 ₹37,501 -0.4 5.5 -0.4 27 30.6 57.1 Nippon India Small Cap Fund Growth ₹170.243
↑ 0.08 ₹68,969 0.4 4.5 0.7 22.5 30.4 26.1 Bandhan Infrastructure Fund Growth ₹49.556
↑ 0.07 ₹1,625 -0.9 0.1 -1.2 26.1 30.2 39.3 Canara Robeco Infrastructure Growth ₹163.77
↑ 0.49 ₹936 1.9 6.2 6.7 25.2 30 35.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Nov 25 Research Highlights & Commentary of 7 Funds showcased
Commentary ICICI Prudential Infrastructure Fund HDFC Infrastructure Fund SBI PSU Fund Motilal Oswal Midcap 30 Fund Nippon India Small Cap Fund Bandhan Infrastructure Fund Canara Robeco Infrastructure Point 1 Upper mid AUM (₹8,232 Cr). Lower mid AUM (₹2,586 Cr). Lower mid AUM (₹5,714 Cr). Upper mid AUM (₹37,501 Cr). Highest AUM (₹68,969 Cr). Bottom quartile AUM (₹1,625 Cr). Bottom quartile AUM (₹936 Cr). Point 2 Oldest track record among peers (20 yrs). Established history (17+ yrs). Established history (15+ yrs). Established history (11+ yrs). Established history (15+ yrs). Established history (14+ yrs). Established history (19+ yrs). Point 3 Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Top rated. Not Rated. Point 4 Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: High. Risk profile: High. Point 5 5Y return: 34.06% (top quartile). 5Y return: 31.94% (upper mid). 5Y return: 31.32% (upper mid). 5Y return: 30.55% (lower mid). 5Y return: 30.43% (lower mid). 5Y return: 30.17% (bottom quartile). 5Y return: 30.01% (bottom quartile). Point 6 3Y return: 26.61% (lower mid). 3Y return: 26.78% (upper mid). 3Y return: 29.38% (top quartile). 3Y return: 26.96% (upper mid). 3Y return: 22.55% (bottom quartile). 3Y return: 26.09% (lower mid). 3Y return: 25.19% (bottom quartile). Point 7 1Y return: 8.53% (upper mid). 1Y return: 6.58% (lower mid). 1Y return: 11.06% (top quartile). 1Y return: -0.38% (bottom quartile). 1Y return: 0.71% (lower mid). 1Y return: -1.17% (bottom quartile). 1Y return: 6.75% (upper mid). Point 8 Alpha: 0.00 (top quartile). Alpha: 0.00 (upper mid). Alpha: -0.58 (lower mid). Alpha: -4.22 (bottom quartile). Alpha: -2.66 (bottom quartile). Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Point 9 Sharpe: 0.00 (upper mid). Sharpe: -0.15 (lower mid). Sharpe: 0.09 (top quartile). Sharpe: -0.13 (lower mid). Sharpe: -0.35 (bottom quartile). Sharpe: -0.31 (bottom quartile). Sharpe: -0.02 (upper mid). Point 10 Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: -0.57 (bottom quartile). Information ratio: 0.20 (top quartile). Information ratio: -0.11 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). ICICI Prudential Infrastructure Fund
HDFC Infrastructure Fund
SBI PSU Fund
Motilal Oswal Midcap 30 Fund
Nippon India Small Cap Fund
Bandhan Infrastructure Fund
Canara Robeco Infrastructure
*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 To seek long-term capital appreciation by investing predominantly in equity and equity related securities of companies engaged in or expected to benefit from growth and development of infrastructure. Research Highlights for HDFC Infrastructure Fund Below is the key information for HDFC Infrastructure 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 The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related instruments of small cap companies and the secondary objective is to generate consistent returns by investing in debt and money market securities. Research Highlights for Nippon India Small Cap Fund Below is the key information for Nippon India Small Cap Fund Returns up to 1 year are on The investment objective of the scheme is to seek to generate long-term capital growth through an active diversified portfolio of predominantly equity and equity related instruments of companies that are participating in and benefiting from growth in Indian infrastructure and infrastructural related activities. However, there can be no assurance that the investment objective of the scheme will be realized. Research Highlights for Bandhan Infrastructure Fund Below is the key information for Bandhan Infrastructure 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 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 (20 Nov 25) ₹198.54 ↑ 0.31 (0.16 %) Net Assets (Cr) ₹8,232 on 31 Oct 25 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio 0 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 Oct 20 ₹10,000 31 Oct 21 ₹19,902 31 Oct 22 ₹23,709 31 Oct 23 ₹30,130 31 Oct 24 ₹47,075 31 Oct 25 ₹49,413 Returns for ICICI Prudential Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Nov 25 Duration Returns 1 Month -0.3% 3 Month 2% 6 Month 4.1% 1 Year 8.5% 3 Year 26.6% 5 Year 34.1% 10 Year 15 Year Since launch 15.9% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 -3.4% Fund Manager information for ICICI Prudential Infrastructure Fund
Name Since Tenure Ihab Dalwai 3 Jun 17 8.33 Yr. Sharmila D’mello 30 Jun 22 3.26 Yr. Data below for ICICI Prudential Infrastructure Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Industrials 36.47% Basic Materials 15.25% Financial Services 14.68% Utility 10.24% Energy 9.47% Real Estate 2.93% Consumer Cyclical 1.84% Communication Services 1.67% Asset Allocation
Asset Class Value Cash 7.43% Equity 92.57% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 09 | LT9% ₹674 Cr 1,843,204
↓ -155,750 NTPC Ltd (Utilities)
Equity, Since 29 Feb 16 | 5325554% ₹352 Cr 10,329,473
↓ -750,000 Vedanta Ltd (Basic Materials)
Equity, Since 31 Jul 24 | 5002954% ₹293 Cr 6,279,591 Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 23 | RELIANCE4% ₹277 Cr 2,029,725 NCC Ltd (Industrials)
Equity, Since 31 Aug 21 | NCC3% ₹271 Cr 13,053,905 Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 May 24 | ADANIPORTS3% ₹260 Cr 1,854,934
↓ -413,725 Kalpataru Projects International Ltd (Industrials)
Equity, Since 30 Sep 06 | KPIL3% ₹226 Cr 1,803,566 Axis Bank Ltd (Financial Services)
Equity, Since 31 Dec 20 | 5322153% ₹226 Cr 1,996,057 AIA Engineering Ltd (Industrials)
Equity, Since 28 Feb 21 | AIAENG3% ₹202 Cr 660,770 CESC Ltd (Utilities)
Equity, Since 30 Jun 23 | CESC2% ₹189 Cr 11,700,502 2. HDFC Infrastructure Fund
HDFC Infrastructure Fund
Growth Launch Date 10 Mar 08 NAV (20 Nov 25) ₹48.487 ↑ 0.04 (0.08 %) Net Assets (Cr) ₹2,586 on 31 Oct 25 Category Equity - Sectoral AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 2.06 Sharpe Ratio -0.15 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 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 ₹19,027 31 Oct 22 ₹21,626 31 Oct 23 ₹29,679 31 Oct 24 ₹44,661 31 Oct 25 ₹45,504 Returns for HDFC Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Nov 25 Duration Returns 1 Month 0.2% 3 Month 1.5% 6 Month 3.6% 1 Year 6.6% 3 Year 26.8% 5 Year 31.9% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2024 23% 2023 55.4% 2022 19.3% 2021 43.2% 2020 -7.5% 2019 -3.4% 2018 -29% 2017 43.3% 2016 -1.9% 2015 -2.5% Fund Manager information for HDFC Infrastructure Fund
Name Since Tenure Srinivasan Ramamurthy 12 Jan 24 1.72 Yr. Dhruv Muchhal 22 Jun 23 2.28 Yr. Data below for HDFC Infrastructure Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Industrials 38.53% Financial Services 19.18% Basic Materials 10.34% Utility 7.05% Energy 6.49% Communication Services 3.63% Real Estate 2.48% Health Care 1.76% Technology 1.57% Consumer Cyclical 0.49% Asset Allocation
Asset Class Value Cash 8.47% Equity 91.53% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | 5321746% ₹148 Cr 1,100,000
↓ -200,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT6% ₹139 Cr 380,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 23 | HDFCBANK5% ₹133 Cr 1,400,000 Kalpataru Projects International Ltd (Industrials)
Equity, Since 31 Jan 23 | 5222874% ₹95 Cr 758,557
↑ 272 J Kumar Infraprojects Ltd (Industrials)
Equity, Since 31 Oct 15 | JKIL4% ₹89 Cr 1,403,084
↑ 3,084 InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Dec 21 | INDIGO3% ₹84 Cr 150,000 NTPC Ltd (Utilities)
Equity, Since 31 Dec 17 | 5325553% ₹75 Cr 2,200,646
↑ 646 Reliance Industries Ltd (Energy)
Equity, Since 31 May 24 | RELIANCE3% ₹68 Cr 500,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 20 | BHARTIARTL3% ₹66 Cr 350,000 State Bank of India (Financial Services)
Equity, Since 31 Mar 08 | SBIN2% ₹61 Cr 704,361 3. SBI PSU Fund
SBI PSU Fund
Growth Launch Date 7 Jul 10 NAV (20 Nov 25) ₹34.0515 ↓ -0.01 (-0.02 %) Net Assets (Cr) ₹5,714 on 31 Oct 25 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating ☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio 0.09 Information Ratio -0.57 Alpha Ratio -0.58 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 ₹16,381 31 Oct 22 ₹19,173 31 Oct 23 ₹24,318 31 Oct 24 ₹40,047 31 Oct 25 ₹42,467 Returns for SBI PSU Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Nov 25 Duration Returns 1 Month 3.2% 3 Month 8.5% 6 Month 8.2% 1 Year 11.1% 3 Year 29.4% 5 Year 31.3% 10 Year 15 Year Since launch 8.3% 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 1.33 Yr. Data below for SBI PSU Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Financial Services 36.21% Utility 29.89% Energy 13.58% Industrials 12.34% Basic Materials 5.79% Asset Allocation
Asset Class Value Cash 2.18% Equity 97.82% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank of India (Financial Services)
Equity, Since 31 Jul 10 | SBIN16% ₹866 Cr 9,927,500 Bharat Electronics Ltd (Industrials)
Equity, Since 30 Jun 24 | BEL9% ₹524 Cr 12,975,000 NTPC Ltd (Utilities)
Equity, Since 31 Jul 10 | 5325559% ₹495 Cr 14,543,244 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jul 10 | 5328988% ₹463 Cr 16,535,554 GAIL (India) Ltd (Utilities)
Equity, Since 31 May 24 | 5321558% ₹454 Cr 25,750,000 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 31 Aug 24 | 5005476% ₹329 Cr 9,700,000 Bank of Baroda (Financial Services)
Equity, Since 31 Aug 24 | 5321345% ₹284 Cr 11,000,000 NMDC Ltd (Basic Materials)
Equity, Since 31 Oct 23 | 5263714% ₹213 Cr 27,900,000 Indian Bank (Financial Services)
Equity, Since 30 Jun 21 | 5328143% ₹182 Cr 2,427,235 Oil India Ltd (Energy)
Equity, Since 31 Mar 24 | OIL3% ₹159 Cr 3,850,000 4. Motilal Oswal Midcap 30 Fund
Motilal Oswal Midcap 30 Fund
Growth Launch Date 24 Feb 14 NAV (20 Nov 25) ₹103.806 ↓ -0.10 (-0.10 %) Net Assets (Cr) ₹37,501 on 31 Oct 25 Category Equity - Mid Cap AMC Motilal Oswal Asset Management Co. Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 1.56 Sharpe Ratio -0.13 Information Ratio 0.2 Alpha Ratio -4.22 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 ₹17,165 31 Oct 22 ₹20,795 31 Oct 23 ₹24,620 31 Oct 24 ₹40,895 31 Oct 25 ₹41,318 Returns for Motilal Oswal Midcap 30 Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Nov 25 Duration Returns 1 Month -0.9% 3 Month -0.4% 6 Month 5.5% 1 Year -0.4% 3 Year 27% 5 Year 30.6% 10 Year 15 Year Since launch 22.1% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 16.5% Fund Manager information for Motilal Oswal Midcap 30 Fund
Name Since Tenure Ajay Khandelwal 1 Oct 24 1 Yr. Niket Shah 1 Jul 20 5.25 Yr. Rakesh Shetty 22 Nov 22 2.86 Yr. Sunil Sawant 1 Jul 24 1.25 Yr. Data below for Motilal Oswal Midcap 30 Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Technology 35.03% Consumer Cyclical 23.94% Industrials 21.59% Communication Services 3.22% Financial Services 3.15% Real Estate 2.39% Health Care 1.69% Asset Allocation
Asset Class Value Cash 8.99% Equity 91.01% Top Securities Holdings / Portfolio
Name Holding Value Quantity Dixon Technologies (India) Ltd (Technology)
Equity, Since 31 Mar 23 | DIXON10% ₹3,326 Cr 2,037,521
↓ -62,478 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Aug 25 | 5433209% ₹3,255 Cr 100,000,000 Coforge Ltd (Technology)
Equity, Since 31 Mar 23 | COFORGE9% ₹3,142 Cr 19,750,000 Persistent Systems Ltd (Technology)
Equity, Since 31 Jan 23 | PERSISTENT8% ₹2,894 Cr 6,000,000
↑ 500,000 One97 Communications Ltd (Technology)
Equity, Since 30 Sep 24 | 5433968% ₹2,810 Cr 25,000,000 Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 29 Feb 24 | KALYANKJIL8% ₹2,726 Cr 60,000,000 Trent Ltd (Consumer Cyclical)
Equity, Since 30 Nov 24 | 5002517% ₹2,339 Cr 4,999,694
↓ -1,000,306 Polycab India Ltd (Industrials)
Equity, Since 30 Sep 23 | POLYCAB7% ₹2,295 Cr 3,150,000
↑ 100,000 Kaynes Technology India Ltd (Industrials)
Equity, Since 30 Jun 25 | KAYNES5% ₹1,657 Cr 2,350,000
↑ 250,000 KEI Industries Ltd (Industrials)
Equity, Since 30 Nov 24 | KEI5% ₹1,625 Cr 4,000,000
↑ 250,000 5. Nippon India Small Cap Fund
Nippon India Small Cap Fund
Growth Launch Date 16 Sep 10 NAV (20 Nov 25) ₹170.243 ↑ 0.08 (0.05 %) Net Assets (Cr) ₹68,969 on 31 Oct 25 Category Equity - Small Cap AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.44 Sharpe Ratio -0.35 Information Ratio -0.11 Alpha Ratio -2.66 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 Oct 20 ₹10,000 31 Oct 21 ₹19,480 31 Oct 22 ₹22,272 31 Oct 23 ₹29,220 31 Oct 24 ₹42,673 31 Oct 25 ₹41,342 Returns for Nippon India Small Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Nov 25 Duration Returns 1 Month 0.2% 3 Month 0.4% 6 Month 4.5% 1 Year 0.7% 3 Year 22.5% 5 Year 30.4% 10 Year 15 Year Since launch 20.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 26.1% 2023 48.9% 2022 6.5% 2021 74.3% 2020 29.2% 2019 -2.5% 2018 -16.7% 2017 63% 2016 5.6% 2015 15.1% Fund Manager information for Nippon India Small Cap Fund
Name Since Tenure Samir Rachh 2 Jan 17 8.75 Yr. Kinjal Desai 25 May 18 7.36 Yr. Data below for Nippon India Small Cap Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Industrials 20.82% Consumer Cyclical 15.14% Financial Services 14.81% Basic Materials 12.07% Consumer Defensive 9.3% Health Care 8.98% Technology 7.7% Utility 2.67% Energy 1.51% Communication Services 1.42% Real Estate 0.53% Asset Allocation
Asset Class Value Cash 4.9% Equity 95.1% Top Securities Holdings / Portfolio
Name Holding Value Quantity Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 28 Feb 21 | MCX2% ₹1,443 Cr 1,851,010 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 22 | HDFCBANK2% ₹1,265 Cr 13,300,000 Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Oct 12 | KIRLOSBROS1% ₹863 Cr 4,472,130 Karur Vysya Bank Ltd (Financial Services)
Equity, Since 28 Feb 17 | 5900031% ₹804 Cr 38,140,874 State Bank of India (Financial Services)
Equity, Since 31 Oct 19 | SBIN1% ₹794 Cr 9,100,000 NLC India Ltd (Utilities)
Equity, Since 31 Oct 22 | NLCINDIA1% ₹776 Cr 27,190,940 Tube Investments of India Ltd Ordinary Shares (Industrials)
Equity, Since 30 Apr 18 | TIINDIA1% ₹774 Cr 2,499,222 Zydus Wellness Ltd (Consumer Defensive)
Equity, Since 31 Aug 16 | ZYDUSWELL1% ₹770 Cr 16,848,030 Paradeep Phosphates Ltd (Basic Materials)
Equity, Since 31 May 22 | 5435301% ₹747 Cr 38,089,109 Apar Industries Ltd (Industrials)
Equity, Since 31 Mar 17 | APARINDS1% ₹736 Cr 899,271 6. Bandhan Infrastructure Fund
Bandhan Infrastructure Fund
Growth Launch Date 8 Mar 11 NAV (20 Nov 25) ₹49.556 ↑ 0.07 (0.15 %) Net Assets (Cr) ₹1,625 on 31 Oct 25 Category Equity - Sectoral AMC IDFC Asset Management Company Limited Rating ☆☆☆☆☆ Risk High Expense Ratio 2.1 Sharpe Ratio -0.31 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 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 ₹20,050 31 Oct 22 ₹20,377 31 Oct 23 ₹26,163 31 Oct 24 ₹43,146 31 Oct 25 ₹41,438 Returns for Bandhan Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Nov 25 Duration Returns 1 Month -0.7% 3 Month -0.9% 6 Month 0.1% 1 Year -1.2% 3 Year 26.1% 5 Year 30.2% 10 Year 15 Year Since launch 11.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 39.3% 2023 50.3% 2022 1.7% 2021 64.8% 2020 6.3% 2019 -5.3% 2018 -25.9% 2017 58.7% 2016 10.7% 2015 -0.2% Fund Manager information for Bandhan Infrastructure Fund
Name Since Tenure Vishal Biraia 24 Jan 24 1.69 Yr. Ritika Behera 7 Oct 23 1.99 Yr. Gaurav Satra 7 Jun 24 1.32 Yr. Data below for Bandhan Infrastructure Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Industrials 53.61% Utility 12.71% Basic Materials 7.66% Communication Services 4.85% Energy 3.82% Financial Services 2.89% Health Care 2.33% Technology 2.14% Consumer Cyclical 1.54% Real Estate 1.3% Asset Allocation
Asset Class Value Cash 7.14% Equity 92.86% Top Securities Holdings / Portfolio
Name Holding Value Quantity Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Dec 17 | KIRLOSBROS5% ₹84 Cr 433,186 Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 12 | LT5% ₹75 Cr 206,262 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 19 | BHARTIARTL4% ₹66 Cr 352,330
↑ 22,312 Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 24 | RELIANCE4% ₹62 Cr 452,706 UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Mar 14 | 5325384% ₹61 Cr 49,772 Bharat Electronics Ltd (Industrials)
Equity, Since 31 Oct 19 | BEL4% ₹58 Cr 1,431,700 GPT Infraprojects Ltd (Industrials)
Equity, Since 30 Nov 17 | GPTINFRA3% ₹53 Cr 4,733,244 InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Aug 24 | INDIGO3% ₹47 Cr 83,887 Ahluwalia Contracts (India) Ltd (Industrials)
Equity, Since 30 Apr 15 | AHLUCONT3% ₹46 Cr 462,606 PTC India Financial Services Ltd (Financial Services)
Equity, Since 31 Dec 23 | PFS3% ₹43 Cr 12,400,122 7. Canara Robeco Infrastructure
Canara Robeco Infrastructure
Growth Launch Date 2 Dec 05 NAV (20 Nov 25) ₹163.77 ↑ 0.49 (0.30 %) Net Assets (Cr) ₹936 on 31 Oct 25 Category Equity - Sectoral AMC Canara Robeco Asset Management Co. Ltd. Rating Risk High Expense Ratio 2.32 Sharpe Ratio -0.02 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 Oct 20 ₹10,000 31 Oct 21 ₹18,193 31 Oct 22 ₹20,521 31 Oct 23 ₹24,210 31 Oct 24 ₹39,188 31 Oct 25 ₹40,693 Returns for Canara Robeco Infrastructure
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Nov 25 Duration Returns 1 Month 0.3% 3 Month 1.9% 6 Month 6.2% 1 Year 6.7% 3 Year 25.2% 5 Year 30% 10 Year 15 Year Since launch 15% Historical performance (Yearly) on absolute basis
Year Returns 2024 35.3% 2023 41.2% 2022 9% 2021 56.1% 2020 9% 2019 2.3% 2018 -19.1% 2017 40.2% 2016 2.1% 2015 6.7% Fund Manager information for Canara Robeco Infrastructure
Name Since Tenure Vishal Mishra 26 Jun 21 4.27 Yr. Shridatta Bhandwaldar 29 Sep 18 7.01 Yr. Data below for Canara Robeco Infrastructure as on 31 Oct 25
Equity Sector Allocation
Sector Value Industrials 45.5% Utility 11.94% Basic Materials 10.09% Energy 8.15% Financial Services 7.2% Technology 5.17% Consumer Cyclical 3.1% Communication Services 2.81% Real Estate 1.23% Asset Allocation
Asset Class Value Cash 4.81% Equity 95.19% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 28 Feb 11 | LT9% ₹78 Cr 212,901
↑ 10,000 State Bank of India (Financial Services)
Equity, Since 31 Jul 24 | SBIN4% ₹39 Cr 442,500 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 22 | RELIANCE4% ₹38 Cr 279,250 NTPC Ltd (Utilities)
Equity, Since 30 Nov 18 | 5325554% ₹36 Cr 1,066,480 Bharat Electronics Ltd (Industrials)
Equity, Since 31 Jul 19 | BEL4% ₹35 Cr 869,000 InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Jan 23 | INDIGO4% ₹33 Cr 58,250 GE Vernova T&D India Ltd (Industrials)
Equity, Since 31 Jan 24 | 5222753% ₹31 Cr 105,185
↓ -13,008 Dixon Technologies (India) Ltd (Technology)
Equity, Since 31 Oct 23 | DIXON3% ₹31 Cr 18,950 Tata Power Co Ltd (Utilities)
Equity, Since 30 Sep 24 | 5004003% ₹31 Cr 785,000 CG Power & Industrial Solutions Ltd (Industrials)
Equity, Since 31 Oct 23 | 5000933% ₹28 Cr 383,150
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Great Read. Clarified my doubts.