एसआईपी में जोखिम: एसआईपी निवेश में जोखिम का आकलन

Updated on April 29, 2026 , 61966 views

में जोखिमसिप भिन्न के लिए भिन्न होता हैम्यूचुअल फंड के प्रकार.म्यूचुअल फंड में निवेश एसआईपी के माध्यम से (व्यवस्थितनिवेश योजना) शामिल हैमंडी जुड़े जोखिम, जो निश्चित रूप से अधिक हैंइक्विटी फ़ंड ऋण और संतुलित की तुलना मेंम्यूचुअल फंड्स. एसआईपी में जोखिम उस निवेश विकल्प पर निर्भर करता है जिसे को देखते हुए चुना जाता हैजोखिम प्रोफाइल, जोखिम की भूख औरलिक्विडिटी. हालांकि, एसआईपी में जोखिम को फंड मैनेजर और फंड हाउस द्वारा प्रबंधित और कम किया जा सकता है।

एसआईपी में जोखिम की गणना करने के लिए विभिन्न उपकरण उपलब्ध हैं जैसेघूंट कैलकुलेटर (एसआईपी रिटर्न कैलकुलेटर के रूप में भी जाना जाता है)।

एसआईपी में जोखिम: एसआईपी जोखिमों का आकलन

जोखिम 1: एसआईपी के नकारात्मक रिटर्न या मूल्य जोखिम मिलने का जोखिम

म्युचुअल फंड निवेश बाजार के जोखिमों के अधीन हैं, यह आमतौर पर सुना जाने वाला शब्द है। इसका मतलब यह है कि एसआईपी में आपका निवेश कम हो सकता है और बाजार के व्यवहार के आधार पर आप जितना निवेश करते हैं, उससे कम मूल्य के साथ समाप्त हो सकते हैं।

हालांकि एसआईपी में जोखिम होल्डिंग अवधि से संबंधित होता है और आमतौर पर होल्डिंग अवधि जितनी लंबी होती है, जोखिम उतना ही कम होता है। उच्च धारण अवधि के साथ लाभ कमाने की संभावना बढ़ जाती है। उदाहरण के लिए इक्विटी के लिए नीचे देखें, इक्विटी के लिए लंबी होल्डिंग अवधि के परिणामस्वरूप नुकसान की संभावना कम होती है। (नीचे 1979 से 2016 तक बीएसई सेंसेक्स पर किया गया विश्लेषण है)।

जोखिम 2: आपके पैसे को जल्दी से वापस पाने में सक्षम होने का जोखिम या तरलता जोखिम

आपका पैसा जल्दी वापस पाने की क्षमता इस पर निर्भर करती है:आधारभूत निवेश। आम तौर पर म्यूचुअल फंड के साथ, यह कोई मुद्दा नहीं है, हालांकि, कुछ अवधि (जैसे 2008 में) रही है, जब प्रतिभूतियों को बेचने में कोई समस्या थी (बांड) और कुछ म्यूचुअल फंडों को कुछ योजनाओं से निकासी को सीमित करना पड़ा। इक्विटी बाजार काफी तरल है (जिसका अर्थ है कि खरीदना और बेचना कोई समस्या नहीं है)। हालांकि, अगर बिक्री की मात्रा बड़ी मात्रा में खरीदारों की संख्या से अधिक हो जाती है, तो इसके परिणामस्वरूप एक समस्या होगी, इसलिए बाद में भुगतान एक समस्या बन जाएगी और इसलिए तरलता जोखिम।

जोखिम 3: किसी सुरक्षा या क्रेडिट जोखिम के डाउनग्रेड होने का जोखिम

जब किसी विशेष कंपनी/इकाई के बांड को क्रेडिट रेटिंग एजेंसी द्वारा डाउनग्रेड किया जाता है, तो इसकी कीमत गिर जाती है। अगर कीमत गिरती है, तो यह पोर्टफोलियो के समग्र मूल्य को प्रभावित करता है। इसे क्रेडिट रिस्क कहते हैं।

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जोखिम 4: कंपनी द्वारा बांड के मालिकों को उनके देय या डिफ़ॉल्ट जोखिम का भुगतान नहीं करने का जोखिम

जब कोई कंपनी बांड धारकों को अपने भुगतान में चूक करती है, तो इसे कहा जाता हैभुगतान में चूक की जोखिम.

साथइन्वेस्टर उनका पैसा वापस नहीं मिलने से उनके पोर्टफोलियो पर नकारात्मक असर पड़ेगा।

जोखिम 5: आपके लेन-देन को सही ढंग से संसाधित करने का जोखिम या तकनीकी जोखिम

आज, सभी लेनदेन इलेक्ट्रॉनिक मोड में होते हैं। विभिन्न स्पर्श-बिंदुओं के साथ, आर एंड टी एजेंट में विभिन्न स्थानों पर तकनीकी विफलता की संभावना है,बैंक धन आदि डेबिट करने के लिए

लेनदेन का गैर-प्रसंस्करण भी एसआईपी में एक जोखिम है।

जोखिम 6: पोर्टफोलियो प्रबंधक या फंड प्रबंधन जोखिम द्वारा योजना के प्रदर्शन का जोखिम

एसआईपी में एक और जोखिम यह है कि चुनी गई योजना उम्मीदों पर खरी नहीं उतरती है, और प्रदर्शन उम्मीद से बहुत कम हो सकता है। फंड मैनेजर प्रदर्शन पर कम डिलीवर कर सकता है, और इससे कम रिटर्न मिलेगाएसआईपी निवेश.

एसआईपी में ये प्रमुख जोखिम हैं, जबकि हम आगे बढ़ सकते हैं और एसआईपी में आगे के जोखिमों को विस्तृत कर सकते हैं जैसे:अर्थव्यवस्था जोखिम आदि, इनमें से अधिकतर जोखिम उपरोक्त श्रेणियों में से एक या अधिक के अंतर्गत आते हैं।

हालांकि एसआईपी में निश्चित रूप से एक जोखिम है, किसी को हमेशा याद रखना चाहिए कि एसआईपी या एकमुश्त, यह सिर्फ एक निवेश मार्ग है न कि अंतर्निहित निवेश। किसी को अंतर्निहित निवेश, उसके जोखिमों को देखने और फिर अंतिम निर्णय लेने की आवश्यकता है।

*नीचे दी गई सूची हैशीर्ष एसआईपीमें निवेश करने के लिए कोई मूल्यांकन कर सकता है

1. DSP World Gold Fund

"The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized."

Research Highlights for DSP World Gold Fund

Upper mid AUM (₹1,769 Cr).
Oldest track record among peers (18 yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 25.63% (upper mid).
3Y return: 46.41% (top quartile).
1Y return: 106.48% (top quartile).
Alpha: 1.04 (upper mid).
Sharpe: 2.16 (top quartile).
Information ratio: -0.83 (bottom quartile).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding BGF World Gold I2 (~69.9%).
Top-3 holdings concentration ~101.6%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (30 Apr 26)	₹57.7687 ↑ 0.93 (1.63 %)
Net Assets (Cr)	₹1,769 on 31 Mar 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	2.16
Information Ratio	-0.83
Alpha Ratio	1.04
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
30 Apr 21	₹10,000
30 Apr 22	₹9,761
30 Apr 23	₹9,973
30 Apr 24	₹10,050
30 Apr 25	₹15,157
30 Apr 26	₹31,297

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 Invest Now

Returns for DSP World Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Apr 26

Duration	Returns
1 Month	-0.4%
3 Month	-5.9%
6 Month	35.4%
1 Year	106.5%
3 Year	46.4%
5 Year	25.6%
10 Year
15 Year
Since launch	9.9%

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
Jay Kothari	1 Mar 13	13.09 Yr.

Data below for DSP World Gold Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Basic Materials	94.27%

Asset Allocation

Asset Class	Value
Cash	3.92%
Equity	94.27%
Debt	0.01%
Other	1.8%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	70%	₹1,531 Cr	1,103,589 ↓ -74,069
VanEck Gold Miners ETF - \| GDX	28%	₹604 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	4%	₹90 Cr
Net Receivables/Payables Net Current Assets \| -	2%	-₹35 Cr

2. SBI PSU Fund

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

Research Highlights for SBI PSU Fund

Highest AUM (₹5,891 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 26.93% (top quartile).
3Y return: 30.87% (upper mid).
1Y return: 16.42% (bottom quartile).
Alpha: -1.15 (lower mid).
Sharpe: 0.27 (lower mid).
Information ratio: -0.31 (lower mid).
Higher exposure to Utility vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~16.5%).
Top-3 holdings concentration ~36.2%.

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (30 Apr 26)	₹35.8946 ↓ -0.47 (-1.29 %)
Net Assets (Cr)	₹5,891 on 31 Mar 26
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0.27
Information Ratio	-0.31
Alpha Ratio	-1.15
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
30 Apr 21	₹10,000
30 Apr 22	₹12,442
30 Apr 23	₹14,701
30 Apr 24	₹28,843
30 Apr 25	₹28,304
30 Apr 26	₹32,952

SBI PSU Fund SIP Returns

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

Returns for SBI PSU Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Apr 26

Duration	Returns
1 Month	9.8%
3 Month	2.8%
6 Month	6.6%
1 Year	16.4%
3 Year	30.9%
5 Year	26.9%
10 Year
15 Year
Since launch	8.4%

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	1.83 Yr.

Data below for SBI PSU Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Utility	31.55%
Financial Services	30.98%
Energy	12.91%
Industrials	12.8%
Basic Materials	6.89%

Asset Allocation

Asset Class	Value
Cash	4.8%
Equity	95.12%
Debt	0.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	17%	₹972 Cr	9,927,500
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| 532898	10%	₹590 Cr	19,935,554
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| 532555	10%	₹572 Cr	15,443,244
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	9%	₹536 Cr	13,385,000 ↓ -340,000
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| 532155	9%	₹525 Cr	38,150,000 ↑ 3,200,000
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 31 May 20 \| 500312	7%	₹386 Cr	13,555,000 ↑ 7,600,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| 532134	6%	₹324 Cr	13,100,000 ↑ 2,100,000
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| 500547	5%	₹273 Cr	9,700,000
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| 526371	4%	₹213 Cr	27,900,000
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| 532814	3%	₹205 Cr	2,427,235

3. LIC MF Infrastructure Fund

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

Bottom quartile AUM (₹905 Cr).
Established history (18+ yrs).
Not Rated.
Risk profile: High.
5Y return: 24.95% (lower mid).
3Y return: 28.76% (lower mid).
1Y return: 18.92% (lower mid).
Alpha: 2.02 (top quartile).
Sharpe: -0.01 (bottom quartile).
Information ratio: 0.34 (top quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~92%).
Largest holding Larsen & Toubro Ltd (~4.5%).

Below is the key information for LIC MF Infrastructure Fund

LIC MF Infrastructure Fund Growth
Launch Date	29 Feb 08
NAV (30 Apr 26)	₹51.8214 ↓ -0.29 (-0.56 %)
Net Assets (Cr)	₹905 on 31 Mar 26
Category	Equity - Sectoral
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	Not Rated
Risk	High
Expense Ratio	2.21
Sharpe Ratio	-0.01
Information Ratio	0.34
Alpha Ratio	2.02
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
30 Apr 21	₹10,000
30 Apr 22	₹13,207
30 Apr 23	₹14,269
30 Apr 24	₹24,631
30 Apr 25	₹25,613
30 Apr 26	₹30,460

LIC MF Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 Invest Now

Returns for LIC MF Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Apr 26

Duration	Returns
1 Month	14.7%
3 Month	8.7%
6 Month	1.4%
1 Year	18.9%
3 Year	28.8%
5 Year	25%
10 Year
15 Year
Since launch	9.5%

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
Sumit Bhatnagar	7 Apr 26	0 Yr.
Mahesh Bendre	1 Jul 24	1.75 Yr.

Data below for LIC MF Infrastructure Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Industrials	41.35%
Consumer Cyclical	16.7%
Utility	9.81%
Basic Materials	8.85%
Communication Services	5.56%
Health Care	3.51%
Technology	2.14%
Real Estate	2.08%
Financial Services	1.6%

Asset Allocation

Asset Class	Value
Cash	8.4%
Equity	91.6%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Apr 09 \| LT	4%	₹40 Cr	115,347 ↑ 6,944
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 30 Jun 25 \| APOLLOHOSP	4%	₹32 Cr	42,748 ↓ -926
Schneider Electric Infrastructure Ltd (Industrials) Equity, Since 31 Dec 23 \| SCHNEIDER	3%	₹30 Cr	357,347 ↓ -7,743
NTPC Ltd (Utilities) Equity, Since 31 Mar 23 \| 532555	3%	₹30 Cr	804,231 ↓ -69,677
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 09 \| BHARTIARTL	3%	₹29 Cr	163,087 ↓ -13,757
Cummins India Ltd (Industrials) Equity, Since 31 May 21 \| 500480	3%	₹25 Cr	56,285 ↓ -604
Tata Motors Passenger Vehicles Ltd (Consumer Cyclical) Equity, Since 28 Feb 26 \| TMPV	3%	₹25 Cr	854,522 ↓ -18,517
Garware Hi-Tech Films Ltd (Basic Materials) Equity, Since 31 Aug 23 \| 500655	3%	₹24 Cr	71,458 ↓ -1,547
Siemens Energy India Ltd (Utilities) Equity, Since 31 Aug 25 \| ENRIN	3%	₹24 Cr	93,672 ↓ -2,029
Tata Motors Ltd (Consumer Cyclical) Equity, Since 31 Oct 25 \| TMCV	2%	₹22 Cr	566,819 ↓ -229,339

4. Invesco India PSU Equity Fund

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

Research Highlights for Invesco India PSU Equity Fund

Lower mid AUM (₹1,335 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 24.85% (bottom quartile).
3Y return: 28.30% (bottom quartile).
1Y return: 12.37% (bottom quartile).
Alpha: -6.00 (bottom quartile).
Sharpe: 0.01 (bottom quartile).
Information ratio: -0.79 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding State Bank of India (~8.6%).

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund Growth
Launch Date	18 Nov 09
NAV (30 Apr 26)	₹67.29 ↓ -1.05 (-1.54 %)
Net Assets (Cr)	₹1,335 on 31 Mar 26
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.14
Sharpe Ratio	0.01
Information Ratio	-0.79
Alpha Ratio	-6
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
30 Apr 21	₹10,000
30 Apr 22	₹12,101
30 Apr 23	₹14,364
30 Apr 24	₹26,853
30 Apr 25	₹26,997
30 Apr 26	₹30,338

Invesco India PSU Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 Invest Now

Returns for Invesco India PSU Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Apr 26

Duration	Returns
1 Month	12.3%
3 Month	-1.6%
6 Month	1.3%
1 Year	12.4%
3 Year	28.3%
5 Year	24.9%
10 Year
15 Year
Since launch	12.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	10.3%
2024	25.6%
2023	54.5%
2022	20.5%
2021	31.1%
2020	6.1%
2019	10.1%
2018	-16.9%
2017	24.3%
2016	17.9%

Fund Manager information for Invesco India PSU Equity Fund

Name	Since	Tenure
Hiten Jain	1 Jul 25	0.75 Yr.
Sagar Gandhi	1 Jul 25	0.75 Yr.

Data below for Invesco India PSU Equity Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Financial Services	30.35%
Industrials	28.06%
Utility	19.53%
Energy	13.58%
Basic Materials	3.6%
Consumer Cyclical	1.41%

Asset Allocation

Asset Class	Value
Cash	3.47%
Equity	96.53%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	9%	₹115 Cr	1,171,232
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| 532814	7%	₹98 Cr	1,157,444
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| HAL	7%	₹91 Cr	261,137
Bharat Petroleum Corp Ltd (Energy) Equity, Since 30 Sep 18 \| 500547	6%	₹86 Cr	3,076,024 ↑ 359,015
Bharat Electronics Ltd (Industrials) Equity, Since 31 Mar 17 \| BEL	6%	₹83 Cr	2,078,629 ↓ -237,890
NTPC Ltd (Utilities) Equity, Since 31 May 19 \| 532555	5%	₹67 Cr	1,801,543
Bank of Baroda (Financial Services) Equity, Since 30 Jun 21 \| 532134	5%	₹65 Cr	2,611,219 ↑ 133,663
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	5%	₹63 Cr	6,852,914 ↓ -2,276,906
REC Ltd (Financial Services) Equity, Since 31 Aug 23 \| 532955	4%	₹52 Cr	1,703,577
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 31 Aug 24 \| 500312	4%	₹52 Cr	1,821,612

5. DSP US Flexible Equity Fund

The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of BGF – USFEF. 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 money market/liquid schemes of DSP BlackRock 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. It shall be noted ‘similar overseas mutual fund schemes’ shall have investment objective, investment strategy and risk profile/consideration similar to those of BGF – USFEF.

Research Highlights for DSP US Flexible Equity Fund

Bottom quartile AUM (₹1,055 Cr).
Established history (13+ yrs).
Top rated.
Risk profile: High.
5Y return: 17.33% (bottom quartile).
3Y return: 27.37% (bottom quartile).
1Y return: 72.42% (upper mid).
Alpha: -1.33 (bottom quartile).
Sharpe: 1.98 (upper mid).
Information ratio: -0.27 (upper mid).
Higher exposure to Technology vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~93%).
Largest holding BGF US Flexible Equity I2 (~96.0%).
Top-3 holdings concentration ~100.5%.

Below is the key information for DSP US Flexible Equity Fund

DSP US Flexible Equity Fund Growth
Launch Date	3 Aug 12
NAV (30 Apr 26)	₹88.727 ↑ 0.68 (0.77 %)
Net Assets (Cr)	₹1,055 on 31 Mar 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.55
Sharpe Ratio	1.98
Information Ratio	-0.27
Alpha Ratio	-1.33
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
30 Apr 21	₹10,000
30 Apr 22	₹10,180
30 Apr 23	₹10,762
30 Apr 24	₹12,948
30 Apr 25	₹12,899
30 Apr 26	₹22,240

DSP US Flexible Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 Invest Now

Returns for DSP US Flexible Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Apr 26

Duration	Returns
1 Month	16.1%
3 Month	10.1%
6 Month	19%
1 Year	72.4%
3 Year	27.4%
5 Year	17.3%
10 Year
15 Year
Since launch	17.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	33.8%
2024	17.8%
2023	22%
2022	-5.9%
2021	24.2%
2020	22.6%
2019	27.5%
2018	-1.1%
2017	15.5%
2016	9.8%

Fund Manager information for DSP US Flexible Equity Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	13.09 Yr.

Data below for DSP US Flexible Equity Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Technology	30.88%
Industrials	14.11%
Financial Services	12.33%
Communication Services	11.41%
Health Care	10.09%
Consumer Cyclical	9.41%
Energy	2.56%
Basic Materials	2.45%

Asset Allocation

Asset Class	Value
Cash	6.74%
Equity	93.24%
Debt	0.02%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF US Flexible Equity I2 Investment Fund \| -	96%	₹1,013 Cr	1,817,053
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	4%	₹45 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹2 Cr

Disclaimer:
यहां प्रदान की गई जानकारी सटीक है, यह सुनिश्चित करने के लिए सभी प्रयास किए गए हैं। हालांकि, डेटा की शुद्धता के संबंध में कोई गारंटी नहीं दी जाती है। कृपया कोई भी निवेश करने से पहले योजना सूचना दस्तावेज के साथ सत्यापित करें।