2021 ರ ಟಾಪ್ 7 ಅತ್ಯುತ್ತಮ MIP (ಮಾಸಿಕ ಆದಾಯ ಯೋಜನೆ) ಕಾರ್ಯಕ್ಷಮತೆ

Updated on November 25, 2025 , 5925 views

ದಿಮಾಸಿಕ ಆದಾಯ ಯೋಜನೆ ಮುಕ್ತವಾಗಿದೆಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಅದು ಪ್ರಧಾನವಾಗಿ ತನ್ನ ಸ್ವತ್ತುಗಳನ್ನು ಸ್ಥಿರದಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತದೆಆದಾಯ ವಾದ್ಯಗಳು. ವಿಶಿಷ್ಟವಾಗಿ, ಮಾಸಿಕ ಆದಾಯ ಯೋಜನೆಯು ಸಾಲ ಮತ್ತು ಇಕ್ವಿಟಿ ಸ್ವತ್ತುಗಳ ಸಂಯೋಜನೆಯಾಗಿದೆ, ಇದರಲ್ಲಿ 65% ನಷ್ಟು ಆಸ್ತಿಗಳನ್ನು ಹೂಡಿಕೆ ಮಾಡಲಾಗುತ್ತದೆ.ಸ್ಥಿರ ಆದಾಯ ಇಳುವರಿ ಉಪಕರಣಗಳು. ಆದಾಗ್ಯೂ, ಮಾಸಿಕ ಆದಾಯ ಯೋಜನೆಯ ಉಳಿದ ಸ್ವತ್ತುಗಳನ್ನು ಷೇರುಗಳು ಮತ್ತು ಷೇರುಗಳಂತಹ ಇಕ್ವಿಟಿ-ಸಂಯೋಜಿತ ಸಾಧನಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲಾಗುತ್ತದೆ.ಮಾರುಕಟ್ಟೆ- ಲಿಂಕ್ಡ್ ರಿಟರ್ನ್ಸ್. ಮಾಸಿಕ ಆದಾಯ ಯೋಜನೆಯ ಮೂಲ ಉದ್ದೇಶವು ಜನರಿಗೆ ನಿಯಮಿತ ಆದಾಯವನ್ನು ಒದಗಿಸುವುದು. ಅಲ್ಲದೆ, MIP ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಮಾಸಿಕ ಮತ್ತು ತ್ರೈಮಾಸಿಕ ಆದಾಯದ ಆಯ್ಕೆಯನ್ನು ನೀಡುತ್ತದೆ, ಜನರು ತಮ್ಮ ಅನುಕೂಲಕ್ಕೆ ಅನುಗುಣವಾಗಿ ಆಯ್ಕೆ ಮಾಡಬಹುದು. ನೀವು ಮಾಸಿಕ ಆದಾಯ ಯೋಜನೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಬಯಸಿದರೆ, ವಿವಿಧ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಕಂಪನಿಗಳು ನೀಡುವ ಅತ್ಯುತ್ತಮ ಮಾಸಿಕ ಆದಾಯದ ಯೋಜನೆಯ ಪಟ್ಟಿಯನ್ನು ಪರಿಗಣಿಸಲು ಸಲಹೆ ನೀಡಲಾಗುತ್ತದೆ.

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2021 ರ ಟಾಪ್ 7 ಮಾಸಿಕ ಆದಾಯ ಯೋಜನೆ (MIP).

Fund	NAV	Net Assets (Cr)	2024 (%)	2023 (%)	2022 (%)	2021 (%)	2020 (%)
ICICI Prudential MIP 25 Growth	₹77.8829 ↓ -0.02	₹3,376	11.4	11.4	5.1	9.9	10.9
DSP Regular Savings Fund Growth	₹59.916 ↓ -0.01	₹180	11	12	3.5	7.8	9.3
Aditya Birla Sun Life Regular Savings Fund Growth	₹68.7476 ↓ -0.04	₹1,547	10.5	9.6	5.3	13.4	9.2
Baroda Pioneer Conservative Hybrid Fund Growth	₹30.2092 ↑ 0.02	₹33
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Nov 25

Research Highlights & Commentary of 4 Funds showcased

Commentary	ICICI Prudential MIP 25	DSP Regular Savings Fund	Aditya Birla Sun Life Regular Savings Fund	Baroda Pioneer Conservative Hybrid Fund
Point 1	Highest AUM (₹3,376 Cr).	Lower mid AUM (₹180 Cr).	Upper mid AUM (₹1,547 Cr).	Bottom quartile AUM (₹33 Cr).
Point 2	Oldest track record among peers (21 yrs).	Established history (21+ yrs).	Established history (21+ yrs).	Established history (21+ yrs).
Point 3	Top rated.	Rating: 3★ (lower mid).	Rating: 5★ (upper mid).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.
Point 5	5Y return: 9.51% (upper mid).	5Y return: 8.40% (lower mid).	5Y return: 9.79% (top quartile).	5Y return: 7.83% (bottom quartile).
Point 6	3Y return: 10.22% (top quartile).	3Y return: 10.02% (upper mid).	3Y return: 9.19% (lower mid).	3Y return: 9.05% (bottom quartile).
Point 7	1Y return: 8.45% (top quartile).	1Y return: 6.99% (lower mid).	1Y return: 7.79% (upper mid).	1Y return: 3.31% (bottom quartile).
Point 8	1M return: 0.46% (upper mid).	1M return: 0.52% (top quartile).	1M return: 0.32% (lower mid).	1M return: -1.08% (bottom quartile).
Point 9	Alpha: 0.00 (lower mid).	Alpha: -0.64 (bottom quartile).	Alpha: 0.61 (top quartile).	Alpha: 0.25 (upper mid).
Point 10	Sharpe: 0.52 (upper mid).	Sharpe: 0.07 (bottom quartile).	Sharpe: 0.41 (lower mid).	Sharpe: 0.85 (top quartile).

ICICI Prudential MIP 25

Highest AUM (₹3,376 Cr).
Oldest track record among peers (21 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 9.51% (upper mid).
3Y return: 10.22% (top quartile).
1Y return: 8.45% (top quartile).
1M return: 0.46% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.52 (upper mid).

DSP Regular Savings Fund

Lower mid AUM (₹180 Cr).
Established history (21+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 8.40% (lower mid).
3Y return: 10.02% (upper mid).
1Y return: 6.99% (lower mid).
1M return: 0.52% (top quartile).
Alpha: -0.64 (bottom quartile).
Sharpe: 0.07 (bottom quartile).

Aditya Birla Sun Life Regular Savings Fund

Upper mid AUM (₹1,547 Cr).
Established history (21+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 9.79% (top quartile).
3Y return: 9.19% (lower mid).
1Y return: 7.79% (upper mid).
1M return: 0.32% (lower mid).
Alpha: 0.61 (top quartile).
Sharpe: 0.41 (lower mid).

Baroda Pioneer Conservative Hybrid Fund

Bottom quartile AUM (₹33 Cr).
Established history (21+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
5Y return: 7.83% (bottom quartile).
3Y return: 9.05% (bottom quartile).
1Y return: 3.31% (bottom quartile).
1M return: -1.08% (bottom quartile).
Alpha: 0.25 (upper mid).
Sharpe: 0.85 (top quartile).

2021 ರ ಕಾರ್ಯಕ್ಷಮತೆಯ ಆಧಾರದ ಮೇಲೆ ಉತ್ತಮವಾಗಿ ಕಾರ್ಯನಿರ್ವಹಿಸುತ್ತಿರುವ MIP ನಿಧಿಗಳು

1. ICICI Prudential MIP 25

The Scheme seeks to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme. However, there can be no assurance that the investment objectives of the Scheme will be realized.

Research Highlights for ICICI Prudential MIP 25

Highest AUM (₹3,376 Cr).
Oldest track record among peers (21 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 9.51% (upper mid).
3Y return: 10.22% (top quartile).
1Y return: 8.45% (top quartile).
1M return: 0.46% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.52 (upper mid).
Information ratio: 0.00 (lower mid).

Below is the key information for ICICI Prudential MIP 25

ICICI Prudential MIP 25 Growth
Launch Date	30 Mar 04
NAV (27 Nov 25)	₹77.8829 ↓ -0.02 (-0.02 %)
Net Assets (Cr)	₹3,376 on 31 Oct 25
Category	Hybrid - Hybrid Debt
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.67
Sharpe Ratio	0.52
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

ICICI Prudential MIP 25 SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859 Invest Now

Returns for ICICI Prudential MIP 25

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Nov 25

Duration	Returns
1 Month	0.5%
3 Month	2.3%
6 Month	3.8%
1 Year	8.4%
3 Year	10.2%
5 Year	9.5%
10 Year
15 Year
Since launch	9.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	11.4%
2023	11.4%
2022	5.1%
2021	9.9%
2020	10.9%
2019	9.6%
2018	5.1%
2017	12.9%
2016	10.9%
2015	6.4%

Fund Manager information for ICICI Prudential MIP 25

Name	Since	Tenure

Data below for ICICI Prudential MIP 25 as on 31 Oct 25

Asset Allocation

Asset Class	Value

Equity Sector Allocation

Sector	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

2. DSP Regular Savings Fund

(Erstwhile DSP BlackRock MIP Fund)

The scheme is seeking to generate an attractive return, consistent with prudent risk, from a portfolio which is substantially constituted of quality debt securities. The scheme will also seek to generate capital appreciation by investing a smaller portion of its corpus in equity and equity related securities of the 100 largest corporates by market capitalisation, listed in India.

Research Highlights for DSP Regular Savings Fund

Lower mid AUM (₹180 Cr).
Established history (21+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 8.40% (lower mid).
3Y return: 10.02% (upper mid).
1Y return: 6.99% (lower mid).
1M return: 0.52% (top quartile).
Alpha: -0.64 (bottom quartile).
Sharpe: 0.07 (bottom quartile).
Information ratio: 0.47 (top quartile).

Below is the key information for DSP Regular Savings Fund

DSP Regular Savings Fund Growth
Launch Date	11 Jun 04
NAV (27 Nov 25)	₹59.916 ↓ -0.01 (-0.01 %)
Net Assets (Cr)	₹180 on 31 Oct 25
Category	Hybrid - Hybrid Debt
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.12
Sharpe Ratio	0.07
Information Ratio	0.47
Alpha Ratio	-0.64
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

DSP Regular Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹376,357.
Net Profit of ₹76,357 Invest Now

Returns for DSP Regular Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Nov 25

Duration	Returns
1 Month	0.5%
3 Month	2.3%
6 Month	2.3%
1 Year	7%
3 Year	10%
5 Year	8.4%
10 Year
15 Year
Since launch	8.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	11%
2023	12%
2022	3.5%
2021	7.8%
2020	9.3%
2019	6.9%
2018	-5.3%
2017	11%
2016	10.7%
2015	4.8%

Fund Manager information for DSP Regular Savings Fund

Name	Since	Tenure

Data below for DSP Regular Savings Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value

Equity Sector Allocation

Sector	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

3. Aditya Birla Sun Life Regular Savings Fund

(Erstwhile Aditya Birla Sun Life MIP II - Wealth 25 Plan)

An Open-ended income scheme with the objective to generate regular income so as to make monthly payment or distribution to unit holders with the secondary objective being growth of capital. Monthly Income is not assured and is subject to availability of distributable surplus.

Research Highlights for Aditya Birla Sun Life Regular Savings Fund

Upper mid AUM (₹1,547 Cr).
Established history (21+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 9.79% (top quartile).
3Y return: 9.19% (lower mid).
1Y return: 7.79% (upper mid).
1M return: 0.32% (lower mid).
Alpha: 0.61 (top quartile).
Sharpe: 0.41 (lower mid).
Information ratio: 0.01 (upper mid).

Below is the key information for Aditya Birla Sun Life Regular Savings Fund

Aditya Birla Sun Life Regular Savings Fund Growth
Launch Date	22 May 04
NAV (27 Nov 25)	₹68.7476 ↓ -0.04 (-0.06 %)
Net Assets (Cr)	₹1,547 on 31 Oct 25
Category	Hybrid - Hybrid Debt
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.91
Sharpe Ratio	0.41
Information Ratio	0.01
Alpha Ratio	0.61
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value

Aditya Birla Sun Life Regular Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859 Invest Now

Returns for Aditya Birla Sun Life Regular Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Nov 25

Duration	Returns
1 Month	0.3%
3 Month	2.7%
6 Month	3.6%
1 Year	7.8%
3 Year	9.2%
5 Year	9.8%
10 Year
15 Year
Since launch	9.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	10.5%
2023	9.6%
2022	5.3%
2021	13.4%
2020	9.2%
2019	5.8%
2018	-2.2%
2017	15.5%
2016	13.1%
2015	5.4%

Fund Manager information for Aditya Birla Sun Life Regular Savings Fund

Name	Since	Tenure

Data below for Aditya Birla Sun Life Regular Savings Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value

Equity Sector Allocation

Sector	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

4. Baroda Pioneer Conservative Hybrid Fund

(Erstwhile Baroda Pioneer MIP Fund)

To generate regular income through investment in debt and money market instruments and also to generate long term capital appreciation by investing a portion in equity and equity related instruments.

Research Highlights for Baroda Pioneer Conservative Hybrid Fund

Bottom quartile AUM (₹33 Cr).
Established history (21+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
5Y return: 7.83% (bottom quartile).
3Y return: 9.05% (bottom quartile).
1Y return: 3.31% (bottom quartile).
1M return: -1.08% (bottom quartile).
Alpha: 0.25 (upper mid).
Sharpe: 0.85 (top quartile).
Information ratio: -0.38 (bottom quartile).

Below is the key information for Baroda Pioneer Conservative Hybrid Fund

Baroda Pioneer Conservative Hybrid Fund Growth
Launch Date	8 Sep 04
NAV (11 Mar 22)	₹30.2092 ↑ 0.02 (0.06 %)
Net Assets (Cr)	₹33 on 31 Jan 22
Category	Hybrid - Hybrid Debt
AMC	Baroda Pioneer Asset Management Co. Ltd.
Rating	☆☆
Risk	Moderate
Expense Ratio	2.08
Sharpe Ratio	0.85
Information Ratio	-0.38
Alpha Ratio	0.25
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value

Baroda Pioneer Conservative Hybrid Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹367,070.
Net Profit of ₹67,070 Invest Now

Returns for Baroda Pioneer Conservative Hybrid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Nov 25

Duration	Returns
1 Month	-1.1%
3 Month	-1.7%
6 Month	-1.2%
1 Year	3.3%
3 Year	9.1%
5 Year	7.8%
10 Year
15 Year
Since launch	6.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for Baroda Pioneer Conservative Hybrid Fund

Name	Since	Tenure

Data below for Baroda Pioneer Conservative Hybrid Fund as on 31 Jan 22

Asset Allocation

Asset Class	Value

Equity Sector Allocation

Sector	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

Disclaimer:
ಇಲ್ಲಿ ಒದಗಿಸಲಾದ ಮಾಹಿತಿಯು ನಿಖರವಾಗಿದೆ ಎಂದು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಲು ಎಲ್ಲಾ ಪ್ರಯತ್ನಗಳನ್ನು ಮಾಡಲಾಗಿದೆ. ಆದಾಗ್ಯೂ, ಡೇಟಾದ ನಿಖರತೆಯ ಬಗ್ಗೆ ಯಾವುದೇ ಗ್ಯಾರಂಟಿಗಳನ್ನು ನೀಡಲಾಗುವುದಿಲ್ಲ. ಯಾವುದೇ ಹೂಡಿಕೆ ಮಾಡುವ ಮೊದಲು ದಯವಿಟ್ಟು ಸ್ಕೀಮ್ ಮಾಹಿತಿ ದಾಖಲೆಯೊಂದಿಗೆ ಪರಿಶೀಲಿಸಿ.