एसआईपी में जोखिम: एसआईपी निवेश में जोखिम का आकलन

Updated on August 26, 2025 , 61208 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

Bottom quartile AUM (₹1,212 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: High.
5Y return: 10.74% (bottom quartile).
3Y return: 36.87% (top quartile).
1Y return: 62.25% (top quartile).
Alpha: 2.80 (lower mid).
Sharpe: 1.56 (top quartile).
Information ratio: -0.56 (bottom quartile).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding BGF World Gold I2 (~77.8%).
Top-3 holdings concentration ~100.3%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (26 Aug 25)	₹35.7382 ↑ 0.45 (1.26 %)
Net Assets (Cr)	₹1,212 on 31 Jul 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	1.56
Information Ratio	-0.56
Alpha Ratio	2.8
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 Jul 20	₹10,000
31 Jul 21	₹8,272
31 Jul 22	₹6,099
31 Jul 23	₹7,748
31 Jul 24	₹9,223
31 Jul 25	₹13,652

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹395,578.
Net Profit of ₹95,578 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 26 Aug 25

Duration	Returns
1 Month	13.7%
3 Month	22%
6 Month	50%
1 Year	62.2%
3 Year	36.9%
5 Year	10.7%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	15.9%
2023	7%
2022	-7.7%
2021	-9%
2020	31.4%
2019	35.1%
2018	-10.7%
2017	-4%
2016	52.7%
2015	-18.5%

Fund Manager information for DSP World Gold Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	12.43 Yr.

Data below for DSP World Gold Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Basic Materials	94.86%

Asset Allocation

Asset Class	Value
Cash	2.29%
Equity	95.12%
Debt	0.02%
Other	2.57%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	78%	₹935 Cr	1,610,898 ↓ -37,716
VanEck Gold Miners ETF - \| GDX	21%	₹255 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	1%	₹14 Cr
Net Receivables/Payables CBLO \| -	0%	-₹3 Cr

2. Franklin India Opportunities Fund

The investment objective of Franklin India Opportunities Fund (FIOF) is to generate capital appreciation by capitalizing on the long-term growth opportunities in the Indian economy.

Research Highlights for Franklin India Opportunities Fund

Upper mid AUM (₹7,376 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 28.62% (upper mid).
3Y return: 29.08% (upper mid).
1Y return: 0.12% (lower mid).
Alpha: 1.79 (bottom quartile).
Sharpe: -0.30 (lower mid).
Information ratio: 1.83 (top quartile).
Top sector: Consumer Cyclical.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding Reliance Industries Ltd (~6.3%).

Below is the key information for Franklin India Opportunities Fund

Franklin India Opportunities Fund Growth
Launch Date	21 Feb 00
NAV (26 Aug 25)	₹254.422 ↓ -2.60 (-1.01 %)
Net Assets (Cr)	₹7,376 on 31 Jul 25
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	-0.3
Information Ratio	1.83
Alpha Ratio	1.79
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 Jul 20	₹10,000
31 Jul 21	₹16,320
31 Jul 22	₹16,368
31 Jul 23	₹21,841
31 Jul 24	₹36,906
31 Jul 25	₹36,999

Franklin India Opportunities Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹612,552.
Net Profit of ₹312,552 Invest Now

Returns for Franklin India Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Aug 25

Duration	Returns
1 Month	1.1%
3 Month	3.3%
6 Month	15.7%
1 Year	0.1%
3 Year	29.1%
5 Year	28.6%
10 Year
15 Year
Since launch	13.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	37.3%
2023	53.6%
2022	-1.9%
2021	29.7%
2020	27.3%
2019	5.4%
2018	-10.1%
2017	35.6%
2016	4.2%
2015	2.3%

Fund Manager information for Franklin India Opportunities Fund

Name	Since	Tenure
Kiran Sebastian	7 Feb 22	3.48 Yr.
R. Janakiraman	1 Apr 13	12.34 Yr.
Sandeep Manam	18 Oct 21	3.79 Yr.

Data below for Franklin India Opportunities Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	18.52%
Financial Services	17.94%
Health Care	12.34%
Technology	9.85%
Basic Materials	8.68%
Communication Services	6.9%
Energy	6.33%
Consumer Defensive	4.94%
Industrials	4.27%
Utility	2.95%
Real Estate	2.17%

Asset Allocation

Asset Class	Value
Cash	5.1%
Equity	94.9%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 22 \| RELIANCE	6%	₹456 Cr	3,038,968
HDFC Bank Ltd (Financial Services) Equity, Since 31 May 24 \| HDFCBANK	6%	₹409 Cr	2,043,971
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 25 \| 532215	5%	₹354 Cr	2,950,277 ↑ 1,002,248
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 24 \| BHARTIARTL	4%	₹270 Cr	1,342,233
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| 543320	4%	₹268 Cr	10,130,262 ↑ 3,731,849
Hindustan Unilever Ltd (Consumer Defensive) Equity, Since 30 Jun 24 \| HINDUNILVR	4%	₹257 Cr	1,121,657
NTPC Ltd (Utilities) Equity, Since 31 Aug 22 \| 532555	3%	₹212 Cr	6,333,312 ↑ 3,900,867
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Apr 25 \| MARUTI	3%	₹210 Cr	169,582 ↑ 86,684
HDFC Life Insurance Co Ltd (Financial Services) Equity, Since 31 Jul 24 \| HDFCLIFE	3%	₹208 Cr	2,560,258 ↑ 447,066
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 May 24 \| M&M	3%	₹203 Cr	637,966

3. 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

Lower mid AUM (₹5,278 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 28.50% (lower mid).
3Y return: 29.07% (lower mid).
1Y return: -10.62% (bottom quartile).
Alpha: 0.19 (bottom quartile).
Sharpe: -0.78 (bottom quartile).
Information ratio: -0.27 (lower mid).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~13.0%).

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (28 Aug 25)	₹30.3108 ↓ -0.27 (-0.87 %)
Net Assets (Cr)	₹5,278 on 31 Jul 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.78
Information Ratio	-0.27
Alpha Ratio	0.19
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 Jul 20	₹10,000
31 Jul 21	₹14,638
31 Jul 22	₹15,923
31 Jul 23	₹22,376
31 Jul 24	₹41,987
31 Jul 25	₹37,410

SBI PSU Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹612,552.
Net Profit of ₹312,552 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 26 Aug 25

Duration	Returns
1 Month	-3.8%
3 Month	-4.2%
6 Month	11.7%
1 Year	-10.6%
3 Year	29.1%
5 Year	28.5%
10 Year
15 Year
Since launch	7.7%

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	1.17 Yr.

Data below for SBI PSU Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Financial Services	34.3%
Utility	27.57%
Energy	15.13%
Industrials	12.97%
Basic Materials	5.37%

Asset Allocation

Asset Class	Value
Cash	4.57%
Equity	95.34%
Debt	0.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	13%	₹704 Cr	8,577,500
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	10%	₹547 Cr	12,975,000 ↓ -600,000
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| 532155	9%	₹491 Cr	25,750,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| 532898	8%	₹454 Cr	15,135,554
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| 532555	7%	₹407 Cr	12,143,244
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| 500547	6%	₹322 Cr	9,700,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| 532134	5%	₹274 Cr	11,000,000
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| 526371	4%	₹195 Cr	27,900,000
Oil India Ltd (Energy) Equity, Since 31 Mar 24 \| OIL	3%	₹167 Cr	3,850,000
General Insurance Corp of India (Financial Services) Equity, Since 31 May 24 \| GICRE	3%	₹160 Cr	4,150,000

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

Bottom quartile AUM (₹1,391 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 26.25% (bottom quartile).
3Y return: 28.43% (bottom quartile).
1Y return: -10.89% (bottom quartile).
Alpha: 5.70 (top quartile).
Sharpe: -0.57 (bottom quartile).
Information ratio: -0.30 (bottom quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding Bharat Electronics Ltd (~9.3%).

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund Growth
Launch Date	18 Nov 09
NAV (28 Aug 25)	₹59.84 ↓ -0.56 (-0.93 %)
Net Assets (Cr)	₹1,391 on 31 Jul 25
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.14
Sharpe Ratio	-0.57
Information Ratio	-0.3
Alpha Ratio	5.7
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 Jul 20	₹10,000
31 Jul 21	₹14,085
31 Jul 22	₹14,778
31 Jul 23	₹20,815
31 Jul 24	₹39,047
31 Jul 25	₹34,468

Invesco India PSU Equity 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 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 26 Aug 25

Duration	Returns
1 Month	-4.3%
3 Month	-6.2%
6 Month	17.5%
1 Year	-10.9%
3 Year	28.4%
5 Year	26.3%
10 Year
15 Year
Since launch	12.1%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	2.5%

Fund Manager information for Invesco India PSU Equity Fund

Name	Since	Tenure
Hiten Jain	1 Jul 25	0.08 Yr.
Sagar Gandhi	1 Jul 25	0.08 Yr.

Data below for Invesco India PSU Equity Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Industrials	29.23%
Utility	27.15%
Financial Services	20.44%
Energy	15.81%
Basic Materials	4.05%

Asset Allocation

Asset Class	Value
Cash	3.31%
Equity	96.69%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharat Electronics Ltd (Industrials) Equity, Since 31 Mar 17 \| BEL	9%	₹134 Cr	3,178,489
Bharat Petroleum Corp Ltd (Energy) Equity, Since 30 Sep 18 \| 500547	8%	₹114 Cr	3,445,961
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	8%	₹112 Cr	1,365,114
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| HAL	8%	₹110 Cr	226,465 ↑ 12,941
Power Grid Corp Of India Ltd (Utilities) Equity, Since 28 Feb 22 \| 532898	8%	₹108 Cr	3,599,413
NTPC Ltd (Utilities) Equity, Since 31 May 19 \| 532555	7%	₹103 Cr	3,085,790
Hindustan Petroleum Corp Ltd (Energy) Equity, Since 30 Nov 23 \| HINDPETRO	5%	₹69 Cr	1,564,169
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	4%	₹62 Cr	5,911,723
GAIL (India) Ltd (Utilities) Equity, Since 28 Feb 23 \| 532155	4%	₹59 Cr	3,089,630
NHPC Ltd (Utilities) Equity, Since 31 Oct 22 \| NHPC	4%	₹58 Cr	6,816,616

5. Motilal Oswal Midcap 30 Fund

(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

Highest AUM (₹33,609 Cr).
Established history (11+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 32.43% (top quartile).
3Y return: 28.36% (bottom quartile).
1Y return: 1.41% (upper mid).
Alpha: 3.70 (upper mid).
Sharpe: -0.11 (upper mid).
Information ratio: 0.44 (upper mid).
Higher exposure to Technology vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~83%).
Largest holding Coforge Ltd (~10.5%).

Below is the key information for Motilal Oswal Midcap 30 Fund

Motilal Oswal Midcap 30 Fund Growth
Launch Date	24 Feb 14
NAV (28 Aug 25)	₹102.502 ↓ -0.65 (-0.63 %)
Net Assets (Cr)	₹33,609 on 31 Jul 25
Category	Equity - Mid Cap
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.56
Sharpe Ratio	-0.11
Information Ratio	0.44
Alpha Ratio	3.7
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 Jul 20	₹10,000
31 Jul 21	₹16,540
31 Jul 22	₹20,655
31 Jul 23	₹26,047
31 Jul 24	₹44,147
31 Jul 25	₹44,850

Motilal Oswal Midcap 30 Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹673,113.
Net Profit of ₹373,113 Invest Now

Returns for Motilal Oswal Midcap 30 Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Aug 25

Duration	Returns
1 Month	2%
3 Month	4%
6 Month	13%
1 Year	1.4%
3 Year	28.4%
5 Year	32.4%
10 Year
15 Year
Since launch	22.5%

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	0.83 Yr.
Niket Shah	1 Jul 20	5.09 Yr.
Rakesh Shetty	22 Nov 22	2.69 Yr.
Sunil Sawant	1 Jul 24	1.08 Yr.

Data below for Motilal Oswal Midcap 30 Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Technology	33.7%
Industrials	18.11%
Consumer Cyclical	17.65%
Health Care	4.49%
Communication Services	3.99%
Real Estate	2.83%
Financial Services	2.61%

Asset Allocation

Asset Class	Value
Cash	17.17%
Equity	82.83%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Coforge Ltd (Technology) Equity, Since 31 Mar 23 \| COFORGE	10%	₹3,464 Cr	18,000,000
Persistent Systems Ltd (Technology) Equity, Since 31 Jan 23 \| PERSISTENT	10%	₹3,172 Cr	5,250,000
Trent Ltd (Consumer Cyclical) Equity, Since 30 Nov 24 \| 500251	9%	₹3,104 Cr	4,992,139 ↑ 2,848,945
Dixon Technologies (India) Ltd (Technology) Equity, Since 31 Mar 23 \| DIXON	9%	₹2,997 Cr	1,999,999 ↑ 1,164,799
Kalyan Jewellers India Ltd (Consumer Cyclical) Equity, Since 29 Feb 24 \| KALYANKJIL	8%	₹2,501 Cr	45,000,000 ↑ 1,509,750
Polycab India Ltd (Industrials) Equity, Since 30 Sep 23 \| POLYCAB	5%	₹1,671 Cr	2,550,000 ↑ 50,000
KEI Industries Ltd (Industrials) Equity, Since 30 Nov 24 \| KEI	4%	₹1,327 Cr	3,500,000 ↑ 750,000
Bharti Hexacom Ltd (Communication Services) Equity, Since 31 Oct 24 \| BHARTIHEXA	4%	₹1,318 Cr	6,750,000
Max Healthcare Institute Ltd Ordinary Shares (Healthcare) Equity, Since 31 Mar 24 \| MAXHEALTH	4%	₹1,272 Cr	9,969,361
Kaynes Technology India Ltd (Industrials) Equity, Since 30 Jun 25 \| KAYNES	3%	₹975 Cr	1,599,306 ↑ 1,599,306

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।