SIP 2022 ಗಾಗಿ ಅತ್ಯುತ್ತಮ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು

Updated on January 23, 2026 , 14687 views

SIP ಅಥವಾ ವ್ಯವಸ್ಥಿತಹೂಡಿಕೆ ಯೋಜನೆ ಅತ್ಯುತ್ತಮ ಮಾರ್ಗಗಳಲ್ಲಿ ಒಂದಾಗಿದೆಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿ. ಇದು ಸ್ಮಾರ್ಟ್ ಮತ್ತು ಜಗಳ-ಮುಕ್ತ ಮೋಡ್ ಆಗಿದೆಹೂಡಿಕೆ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಯೋಜನೆಗಳಲ್ಲಿ ನಿಮ್ಮ ಹಣ. ಇಲ್ಲಿ, ನೀವು ನಿಯಮಿತ ಮಧ್ಯಂತರದಲ್ಲಿ (ಮಾಸಿಕ/ತ್ರೈಮಾಸಿಕ, ಇತ್ಯಾದಿ) ನಿರ್ದಿಷ್ಟ ಪೂರ್ವನಿರ್ಧರಿತ ಮೊತ್ತವನ್ನು ಹೂಡಿಕೆ ಮಾಡಬಹುದು. ನೀವು ಪ್ರಾರಂಭಿಸಬಹುದು ನಿಮ್ಮSIP ಹೂಡಿಕೆ ಕೇವಲ INR 500 ನೊಂದಿಗೆ, ಇದು ಹೂಡಿಕೆಯ ಅತ್ಯಂತ ಕೈಗೆಟುಕುವ ಸಾಧನವಾಗಿದೆ. ನಿಮ್ಮ ಹಣವನ್ನು ನಿಮ್ಮಿಂದ ಸ್ವಯಂ-ಡೆಬಿಟ್ ಮಾಡಲಾಗಿದೆಬ್ಯಾಂಕ್ ಖಾತೆ ಮತ್ತು ಯೋಜನೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲಾಗುವುದು, ಇದು ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ಉಳಿತಾಯದ ಅಭ್ಯಾಸವನ್ನು ಪರೋಕ್ಷವಾಗಿ ಸೃಷ್ಟಿಸುತ್ತದೆ. SIP ಹೂಡಿಕೆಗಳು ನಿಮ್ಮ ಯೋಜನೆಗೆ ಉತ್ತಮ ಮಾರ್ಗವಾಗಿದೆಹಣಕಾಸಿನ ಗುರಿಗಳು. ನೀವು ನಿರ್ದಿಷ್ಟ ಗುರಿಯನ್ನು ಹೊಂದಿಸಬೇಕು ಮತ್ತು ಅದನ್ನು ಪೂರೈಸಲು ಅಗತ್ಯವಿರುವ ಸಮಯ ಮತ್ತು ಮೊತ್ತವನ್ನು ಅಂದಾಜು ಮಾಡಬೇಕಾಗುತ್ತದೆ. ಕೆಳಗೆ ಇವೆಅತ್ಯುತ್ತಮ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ಹೂಡಿಕೆಯ ಅವಧಿಯನ್ನು ಆಧರಿಸಿ SIP ಗಾಗಿ ಮತ್ತುಅಪಾಯದ ಹಸಿವು. ಈ ಯೋಜನೆಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಮೂಲಕ ಹೂಡಿಕೆದಾರರು ತಮ್ಮ ಹೂಡಿಕೆಯ ಗುರಿಗಳನ್ನು ಗುರಿಯಾಗಿಸಿಕೊಳ್ಳಬಹುದು ಮತ್ತು ಅವುಗಳನ್ನು ಸಮಯಕ್ಕೆ ಸರಿಯಾಗಿ ಸಾಧಿಸಬಹುದು.

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SIP ಹೂಡಿಕೆಗಾಗಿ ಟಾಪ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು FY 22 - 23

ಅತ್ಯುತ್ತಮ ಇಕ್ವಿಟಿ SIP ಫಂಡ್‌ಗಳು- ದೀರ್ಘಾವಧಿಯ ಸಂಪತ್ತು ಸೃಷ್ಟಿಗೆ

ಇಕ್ವಿಟಿ ಫಂಡ್‌ಗಳು ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ಹೆಚ್ಚಿನ ಆದಾಯವನ್ನು ನೀಡುವ ನಿರೀಕ್ಷೆಯಿದೆ, ಆದರೆ ಅಪಾಯಕಾರಿ ನಿಧಿಗಳಾಗಿವೆ. 5 ವರ್ಷಗಳಿಗಿಂತ ಹೆಚ್ಚು ಕಾಲ ಹೂಡಿಕೆ ಮಾಡಬಹುದಾದ ಹೂಡಿಕೆದಾರರು ಈಕ್ವಿಟಿ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಸಲಹೆ ನೀಡುತ್ತಾರೆ. ಈ ನಿಧಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಮೂಲಕ ಒಬ್ಬರು ತಮ್ಮ ದೀರ್ಘಾವಧಿಯ ಹಣಕಾಸಿನ ಗುರಿಗಳನ್ನು ಸಹ ಯೋಜಿಸಬಹುದು.

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
SBI PSU Fund Growth	₹33.4042 ↓ -0.57	₹5,817	500	0.9	3.2	13.4	27.4	28.8	11.3
DSP World Gold Fund Growth	₹65.542 ↑ 2.04	₹1,756	500	52.1	105.9	199.1	55	28.7	167.1
ICICI Prudential Infrastructure Fund Growth	₹185.79 ↓ -3.32	₹8,134	100	-7.1	-7	4.3	22.1	28.3	6.7
Invesco India PSU Equity Fund Growth	₹65.03 ↓ -1.16	₹1,449	500	-0.1	1	13.7	27.7	26.9	10.3
HDFC Infrastructure Fund Growth	₹45.096 ↓ -0.67	₹2,452	300	-6.8	-7	2.8	23	25.7	2.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	SBI PSU Fund	DSP World Gold Fund	ICICI Prudential Infrastructure Fund	Invesco India PSU Equity Fund	HDFC Infrastructure Fund
Point 1	Upper mid AUM (₹5,817 Cr).	Bottom quartile AUM (₹1,756 Cr).	Highest AUM (₹8,134 Cr).	Bottom quartile AUM (₹1,449 Cr).	Lower mid AUM (₹2,452 Cr).
Point 2	Established history (15+ yrs).	Established history (18+ yrs).	Oldest track record among peers (20 yrs).	Established history (16+ yrs).	Established history (17+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 28.78% (top quartile).	5Y return: 28.68% (upper mid).	5Y return: 28.27% (lower mid).	5Y return: 26.88% (bottom quartile).	5Y return: 25.72% (bottom quartile).
Point 6	3Y return: 27.45% (lower mid).	3Y return: 55.03% (top quartile).	3Y return: 22.12% (bottom quartile).	3Y return: 27.74% (upper mid).	3Y return: 22.97% (bottom quartile).
Point 7	1Y return: 13.39% (lower mid).	1Y return: 199.09% (top quartile).	1Y return: 4.27% (bottom quartile).	1Y return: 13.67% (upper mid).	1Y return: 2.76% (bottom quartile).
Point 8	Alpha: -0.22 (bottom quartile).	Alpha: 1.32 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: -1.90 (bottom quartile).	Alpha: 0.00 (lower mid).
Point 9	Sharpe: 0.33 (upper mid).	Sharpe: 3.42 (top quartile).	Sharpe: 0.12 (bottom quartile).	Sharpe: 0.27 (lower mid).	Sharpe: -0.12 (bottom quartile).
Point 10	Information ratio: -0.47 (bottom quartile).	Information ratio: -0.67 (bottom quartile).	Information ratio: 0.00 (top quartile).	Information ratio: -0.37 (lower mid).	Information ratio: 0.00 (upper mid).

SBI PSU Fund

Upper mid AUM (₹5,817 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 28.78% (top quartile).
3Y return: 27.45% (lower mid).
1Y return: 13.39% (lower mid).
Alpha: -0.22 (bottom quartile).
Sharpe: 0.33 (upper mid).
Information ratio: -0.47 (bottom quartile).

DSP World Gold Fund

Bottom quartile AUM (₹1,756 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 28.68% (upper mid).
3Y return: 55.03% (top quartile).
1Y return: 199.09% (top quartile).
Alpha: 1.32 (top quartile).
Sharpe: 3.42 (top quartile).
Information ratio: -0.67 (bottom quartile).

ICICI Prudential Infrastructure Fund

Highest AUM (₹8,134 Cr).
Oldest track record among peers (20 yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 28.27% (lower mid).
3Y return: 22.12% (bottom quartile).
1Y return: 4.27% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.12 (bottom quartile).
Information ratio: 0.00 (top quartile).

Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,449 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 26.88% (bottom quartile).
3Y return: 27.74% (upper mid).
1Y return: 13.67% (upper mid).
Alpha: -1.90 (bottom quartile).
Sharpe: 0.27 (lower mid).
Information ratio: -0.37 (lower mid).

HDFC Infrastructure Fund

Lower mid AUM (₹2,452 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 25.72% (bottom quartile).
3Y return: 22.97% (bottom quartile).
1Y return: 2.76% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.12 (bottom quartile).
Information ratio: 0.00 (upper mid).

ಅತ್ಯುತ್ತಮ ಸಾಲ SIP ನಿಧಿಗಳು- ಅತ್ಯುತ್ತಮ ಆದಾಯವನ್ನು ಗಳಿಸಲು

ಸಾಲ ನಿಧಿ ನಿಮ್ಮ ಹಣವನ್ನು ಸುರಕ್ಷಿತವಾಗಿರಿಸಲು ಮತ್ತು ಸರಾಸರಿ ಸ್ಥಿರವಾದ ಆದಾಯವನ್ನು ಸೃಷ್ಟಿಸಲು ಉತ್ತಮ ಮಾರ್ಗವಾಗಿದೆ. ಸ್ಥಿರ ಆದಾಯವನ್ನು ಹುಡುಕುತ್ತಿರುವ ಹೂಡಿಕೆದಾರರು ಅಥವಾ ಮೂರು ವರ್ಷಗಳಿಗಿಂತ ಕಡಿಮೆ ಅವಧಿಗೆ ಹೂಡಿಕೆ ಮಾಡಲು ಬಯಸುವವರು ಈ ನಿಧಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದನ್ನು ಪರಿಗಣಿಸಬೇಕು.

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
DSP Credit Risk Fund Growth	₹50.8554 ↓ 0.00	₹206	500	0.9	1.9	20.7	14.6	21	7.1%	2Y 4M 17D	3Y 3M 14D
Aditya Birla Sun Life Credit Risk Fund Growth	₹24.0969 ↑ 0.02	₹1,092	100	4.6	6.8	16.8	11.8	13.4	7.96%	2Y 4M 28D	3Y 2M 23D
Sundaram Short Term Debt Fund Growth	₹36.3802 ↑ 0.01	₹362	250	0.8	11.4	12.8	5.3		4.52%	1Y 2M 13D	1Y 7M 3D
Aditya Birla Sun Life Medium Term Plan Growth	₹41.9381 ↑ 0.01	₹2,905	1,000	2.6	4.2	12.2	9.9	10.9	7.78%	3Y 4M 24D	4Y 6M 7D
Sundaram Low Duration Fund Growth	₹28.8391 ↑ 0.01	₹550	1,000	1	10.2	11.8	5		4.19%	5M 18D	8M 1D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP Credit Risk Fund	Aditya Birla Sun Life Credit Risk Fund	Sundaram Short Term Debt Fund	Aditya Birla Sun Life Medium Term Plan	Sundaram Low Duration Fund
Point 1	Bottom quartile AUM (₹206 Cr).	Upper mid AUM (₹1,092 Cr).	Bottom quartile AUM (₹362 Cr).	Highest AUM (₹2,905 Cr).	Lower mid AUM (₹550 Cr).
Point 2	Established history (22+ yrs).	Established history (10+ yrs).	Oldest track record among peers (23 yrs).	Established history (16+ yrs).	Established history (18+ yrs).
Point 3	Top rated.	Not Rated.	Rating: 2★ (lower mid).	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	1Y return: 20.65% (top quartile).	1Y return: 16.77% (upper mid).	1Y return: 12.83% (lower mid).	1Y return: 12.25% (bottom quartile).	1Y return: 11.79% (bottom quartile).
Point 6	1M return: 0.35% (lower mid).	1M return: 3.81% (top quartile).	1M return: 0.20% (bottom quartile).	1M return: 2.11% (upper mid).	1M return: 0.28% (bottom quartile).
Point 7	Sharpe: 1.53 (lower mid).	Sharpe: 2.08 (top quartile).	Sharpe: 0.98 (bottom quartile).	Sharpe: 2.01 (upper mid).	Sharpe: 0.99 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.10% (lower mid).	Yield to maturity (debt): 7.96% (top quartile).	Yield to maturity (debt): 4.52% (bottom quartile).	Yield to maturity (debt): 7.78% (upper mid).	Yield to maturity (debt): 4.19% (bottom quartile).
Point 10	Modified duration: 2.38 yrs (lower mid).	Modified duration: 2.41 yrs (bottom quartile).	Modified duration: 1.20 yrs (upper mid).	Modified duration: 3.40 yrs (bottom quartile).	Modified duration: 0.47 yrs (top quartile).

DSP Credit Risk Fund

Bottom quartile AUM (₹206 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 20.65% (top quartile).
1M return: 0.35% (lower mid).
Sharpe: 1.53 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.10% (lower mid).
Modified duration: 2.38 yrs (lower mid).

Aditya Birla Sun Life Credit Risk Fund

Upper mid AUM (₹1,092 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 16.77% (upper mid).
1M return: 3.81% (top quartile).
Sharpe: 2.08 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.96% (top quartile).
Modified duration: 2.41 yrs (bottom quartile).

Sundaram Short Term Debt Fund

Bottom quartile AUM (₹362 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately Low.
1Y return: 12.83% (lower mid).
1M return: 0.20% (bottom quartile).
Sharpe: 0.98 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 4.52% (bottom quartile).
Modified duration: 1.20 yrs (upper mid).

Aditya Birla Sun Life Medium Term Plan

Highest AUM (₹2,905 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 12.25% (bottom quartile).
1M return: 2.11% (upper mid).
Sharpe: 2.01 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.78% (upper mid).
Modified duration: 3.40 yrs (bottom quartile).

Sundaram Low Duration Fund

Lower mid AUM (₹550 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 11.79% (bottom quartile).
1M return: 0.28% (bottom quartile).
Sharpe: 0.99 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 4.19% (bottom quartile).
Modified duration: 0.47 yrs (top quartile).

ಅತ್ಯುತ್ತಮ ಸಮತೋಲಿತ ನಿಧಿಗಳು- ಸ್ಥಿರ ಆದಾಯವನ್ನು ಗಳಿಸಿ + ದೀರ್ಘಾವಧಿಯ ಸಂಪತ್ತನ್ನು ರಚಿಸಿ

ಸಮತೋಲಿತ ನಿಧಿ ತಮ್ಮ ಹಣವನ್ನು ಇಕ್ವಿಟಿ ಮತ್ತು ಸಾಲ ನಿಧಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿ. ಇವು ಶುದ್ಧ ಇಕ್ವಿಟಿಗಿಂತ ಕಡಿಮೆ ಬಾಷ್ಪಶೀಲವಾಗಿವೆಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು. ಸಮತೋಲಿತ ನಿಧಿಗಳು ಮೂರು ವರ್ಷಗಳಿಗಿಂತ ಹೆಚ್ಚಿನ ಅವಧಿಯಲ್ಲಿ ಉತ್ತಮ ಆದಾಯವನ್ನು ನೀಡುತ್ತವೆ. ಈಕ್ವಿಟಿ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಬಯಸುವ ಹೂಡಿಕೆದಾರರು, ಸಮತೋಲಿತ ನಿಧಿಗಳು ಪ್ರಾರಂಭಿಸಲು ಉತ್ತಮ ಮಾರ್ಗವಾಗಿದೆ.

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
UTI Multi Asset Fund Growth	₹79.0264 ↓ -0.36	₹6,720	500	1.5	5.4	12.5	20	14.7	11.1
ICICI Prudential Multi-Asset Fund Growth	₹808.744 ↓ -2.93	₹78,179	100	1	6	15.7	18.8	21.1	18.6
SBI Multi Asset Allocation Fund Growth	₹66.1404 ↑ 0.05	₹13,033	500	5.5	9.5	20.6	18.5	14.8	18.6
ICICI Prudential Equity and Debt Fund Growth	₹397.9 ↓ -3.46	₹49,641	100	-2.7	1.1	11	17.9	20.5	13.3
JM Equity Hybrid Fund Growth	₹115.207 ↓ -1.62	₹785	500	-6.4	-6.2	-0.9	16.6	15.6	-3.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Multi Asset Fund	ICICI Prudential Multi-Asset Fund	SBI Multi Asset Allocation Fund	ICICI Prudential Equity and Debt Fund	JM Equity Hybrid Fund
Point 1	Bottom quartile AUM (₹6,720 Cr).	Highest AUM (₹78,179 Cr).	Lower mid AUM (₹13,033 Cr).	Upper mid AUM (₹49,641 Cr).	Bottom quartile AUM (₹785 Cr).
Point 2	Established history (17+ yrs).	Established history (23+ yrs).	Established history (20+ yrs).	Established history (26+ yrs).	Oldest track record among peers (30 yrs).
Point 3	Rating: 1★ (bottom quartile).	Rating: 2★ (lower mid).	Top rated.	Rating: 4★ (upper mid).	Rating: 1★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 14.75% (bottom quartile).	5Y return: 21.14% (top quartile).	5Y return: 14.83% (bottom quartile).	5Y return: 20.45% (upper mid).	5Y return: 15.64% (lower mid).
Point 6	3Y return: 20.02% (top quartile).	3Y return: 18.81% (upper mid).	3Y return: 18.53% (lower mid).	3Y return: 17.93% (bottom quartile).	3Y return: 16.63% (bottom quartile).
Point 7	1Y return: 12.54% (lower mid).	1Y return: 15.68% (upper mid).	1Y return: 20.61% (top quartile).	1Y return: 11.02% (bottom quartile).	1Y return: -0.95% (bottom quartile).
Point 8	1M return: -0.90% (upper mid).	1M return: -1.41% (lower mid).	1M return: 1.16% (top quartile).	1M return: -3.28% (bottom quartile).	1M return: -4.47% (bottom quartile).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 4.49 (top quartile).	Alpha: -11.83 (bottom quartile).
Point 10	Sharpe: 0.55 (bottom quartile).	Sharpe: 1.86 (top quartile).	Sharpe: 1.60 (upper mid).	Sharpe: 0.83 (lower mid).	Sharpe: -0.65 (bottom quartile).

UTI Multi Asset Fund

Bottom quartile AUM (₹6,720 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 14.75% (bottom quartile).
3Y return: 20.02% (top quartile).
1Y return: 12.54% (lower mid).
1M return: -0.90% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.55 (bottom quartile).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹78,179 Cr).
Established history (23+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 21.14% (top quartile).
3Y return: 18.81% (upper mid).
1Y return: 15.68% (upper mid).
1M return: -1.41% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 1.86 (top quartile).

SBI Multi Asset Allocation Fund

Lower mid AUM (₹13,033 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 14.83% (bottom quartile).
3Y return: 18.53% (lower mid).
1Y return: 20.61% (top quartile).
1M return: 1.16% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.60 (upper mid).

ICICI Prudential Equity and Debt Fund

Upper mid AUM (₹49,641 Cr).
Established history (26+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 20.45% (upper mid).
3Y return: 17.93% (bottom quartile).
1Y return: 11.02% (bottom quartile).
1M return: -3.28% (bottom quartile).
Alpha: 4.49 (top quartile).
Sharpe: 0.83 (lower mid).

JM Equity Hybrid Fund

Bottom quartile AUM (₹785 Cr).
Oldest track record among peers (30 yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.64% (lower mid).
3Y return: 16.63% (bottom quartile).
1Y return: -0.95% (bottom quartile).
1M return: -4.47% (bottom quartile).
Alpha: -11.83 (bottom quartile).
Sharpe: -0.65 (bottom quartile).

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 (₹1,756 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 28.68% (upper mid).
3Y return: 55.03% (top quartile).
1Y return: 199.09% (top quartile).
Alpha: 1.32 (top quartile).
Sharpe: 3.42 (top quartile).
Information ratio: -0.67 (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 (~73.7%).
Top-3 holdings concentration ~100.4%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (23 Jan 26)	₹65.542 ↑ 2.04 (3.22 %)
Net Assets (Cr)	₹1,756 on 31 Dec 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	3.42
Information Ratio	-0.67
Alpha Ratio	1.32
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 Dec 20	₹10,000
31 Dec 21	₹9,101
31 Dec 22	₹8,405
31 Dec 23	₹8,991
31 Dec 24	₹10,424
31 Dec 25	₹27,842

DSP World Gold 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 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 23 Jan 26

Duration	Returns
1 Month	19.7%
3 Month	52.1%
6 Month	105.9%
1 Year	199.1%
3 Year	55%
5 Year	28.7%
10 Year
15 Year
Since launch	10.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	167.1%
2023	15.9%
2022	7%
2021	-7.7%
2020	-9%
2019	31.4%
2018	35.1%
2017	-10.7%
2016	-4%
2015	52.7%

Fund Manager information for DSP World Gold Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	12.85 Yr.

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

Equity Sector Allocation

Sector	Value
Basic Materials	94.95%

Asset Allocation

Asset Class	Value
Cash	2.43%
Equity	94.95%
Debt	0.01%
Other	2.6%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	74%	₹1,294 Cr	1,219,254 ↓ -59,731
VanEck Gold Miners ETF - \| GDX	25%	₹442 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	2%	₹28 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹8 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 (₹8,380 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 20.30% (bottom quartile).
3Y return: 28.17% (upper mid).
1Y return: 4.05% (bottom quartile).
Alpha: -4.27 (bottom quartile).
Sharpe: -0.10 (bottom quartile).
Information ratio: 1.69 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding Axis Bank Ltd (~6.0%).

Below is the key information for Franklin India Opportunities Fund

Franklin India Opportunities Fund Growth
Launch Date	21 Feb 00
NAV (23 Jan 26)	₹247.017 ↓ -4.25 (-1.69 %)
Net Assets (Cr)	₹8,380 on 31 Dec 25
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	-0.1
Information Ratio	1.69
Alpha Ratio	-4.27
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 Dec 20	₹10,000
31 Dec 21	₹12,966
31 Dec 22	₹12,725
31 Dec 23	₹19,540
31 Dec 24	₹26,826
31 Dec 25	₹27,668

Franklin India Opportunities Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 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 23 Jan 26

Duration	Returns
1 Month	-4.9%
3 Month	-5.9%
6 Month	-3.3%
1 Year	4.1%
3 Year	28.2%
5 Year	20.3%
10 Year
15 Year
Since launch	13.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	3.1%
2023	37.3%
2022	53.6%
2021	-1.9%
2020	29.7%
2019	27.3%
2018	5.4%
2017	-10.1%
2016	35.6%
2015	4.2%

Fund Manager information for Franklin India Opportunities Fund

Name	Since	Tenure
Kiran Sebastian	7 Feb 22	3.9 Yr.
R. Janakiraman	1 Apr 13	12.76 Yr.
Sandeep Manam	18 Oct 21	4.21 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	23.16%
Consumer Cyclical	15.36%
Technology	15.21%
Health Care	11.71%
Industrials	9.45%
Basic Materials	8.79%
Communication Services	6.09%
Energy	3.11%
Utility	2.49%
Real Estate	0.46%

Asset Allocation

Asset Class	Value
Cash	4.14%
Equity	95.84%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 25 \| 532215	6%	₹501 Cr	3,948,707
State Bank of India (Financial Services) Equity, Since 31 Oct 25 \| SBIN	6%	₹489 Cr	4,981,006
Amphenol Corp Class A (Technology) Equity, Since 31 Jul 25 \| APH	3%	₹285 Cr	234,384
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 22 \| RELIANCE	3%	₹261 Cr	1,661,519
APL Apollo Tubes Ltd (Basic Materials) Equity, Since 31 Oct 24 \| APLAPOLLO	3%	₹247 Cr	1,289,735
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 24 \| BHARTIARTL	3%	₹244 Cr	1,158,502
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 May 24 \| M&M	3%	₹237 Cr	637,966
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 30 Nov 25 \| HAL	3%	₹233 Cr	531,519
Mphasis Ltd (Technology) Equity, Since 30 Nov 24 \| 526299	3%	₹227 Cr	814,231
IDFC First Bank Ltd (Financial Services) Equity, Since 30 Jun 25 \| IDFCFIRSTB	3%	₹222 Cr	25,878,858 ↑ 5,038,869

3. 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 (₹1,449 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 26.88% (lower mid).
3Y return: 27.74% (lower mid).
1Y return: 13.67% (upper mid).
Alpha: -1.90 (lower mid).
Sharpe: 0.27 (lower mid).
Information ratio: -0.37 (lower mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding State Bank of India (~9.4%).

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund Growth
Launch Date	18 Nov 09
NAV (23 Jan 26)	₹65.03 ↓ -1.16 (-1.75 %)
Net Assets (Cr)	₹1,449 on 31 Dec 25
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.14
Sharpe Ratio	0.27
Information Ratio	-0.37
Alpha Ratio	-1.9
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 Dec 20	₹10,000
31 Dec 21	₹13,105
31 Dec 22	₹15,797
31 Dec 23	₹24,402
31 Dec 24	₹30,659
31 Dec 25	₹33,810

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 23 Jan 26

Duration	Returns
1 Month	0%
3 Month	-0.1%
6 Month	1%
1 Year	13.7%
3 Year	27.7%
5 Year	26.9%
10 Year
15 Year
Since launch	12.3%

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	0.5 Yr.
Sagar Gandhi	1 Jul 25	0.5 Yr.

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

Equity Sector Allocation

Sector	Value
Industrials	31.01%
Financial Services	29.88%
Utility	19.12%
Energy	13.49%
Basic Materials	3.52%
Consumer Cyclical	1.22%

Asset Allocation

Asset Class	Value
Cash	1.76%
Equity	98.24%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	9%	₹136 Cr	1,387,617 ↓ -38,697
Bharat Electronics Ltd (Industrials) Equity, Since 31 Mar 17 \| BEL	8%	₹120 Cr	2,997,692
Bharat Petroleum Corp Ltd (Energy) Equity, Since 30 Sep 18 \| 500547	7%	₹104 Cr	2,717,009 ↓ -184,556
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| 532814	7%	₹97 Cr	1,157,444 ↑ 76,826
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	6%	₹86 Cr	9,129,820 ↑ 339,034
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| HAL	6%	₹86 Cr	196,158
Bank of Baroda (Financial Services) Equity, Since 30 Jun 21 \| 532134	5%	₹66 Cr	2,244,222 ↑ 127,830
Bharat Dynamics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| BDL	5%	₹65 Cr	445,685 ↑ 21,640
Dredging Corp of India Ltd (Industrials) Equity, Since 31 Jul 25 \| DREDGECORP	4%	₹64 Cr	646,300
NTPC Ltd (Utilities) Equity, Since 31 May 19 \| 532555	4%	₹59 Cr	1,801,543 ↓ -223,420

4. 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 (₹5,817 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 28.78% (top quartile).
3Y return: 27.45% (bottom quartile).
1Y return: 13.39% (lower mid).
Alpha: -0.22 (upper mid).
Sharpe: 0.33 (upper mid).
Information ratio: -0.47 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~16.8%).

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (23 Jan 26)	₹33.4042 ↓ -0.57 (-1.69 %)
Net Assets (Cr)	₹5,817 on 31 Dec 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0.33
Information Ratio	-0.47
Alpha Ratio	-0.22
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 Dec 20	₹10,000
31 Dec 21	₹13,241
31 Dec 22	₹17,083
31 Dec 23	₹26,314
31 Dec 24	₹32,485
31 Dec 25	₹36,147

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 23 Jan 26

Duration	Returns
1 Month	0%
3 Month	0.9%
6 Month	3.2%
1 Year	13.4%
3 Year	27.4%
5 Year	28.8%
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	1.59 Yr.

Data below for SBI PSU Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	35.24%
Utility	29.32%
Energy	13.87%
Industrials	12%
Basic Materials	6.69%

Asset Allocation

Asset Class	Value
Cash	2.8%
Equity	97.11%
Debt	0.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	17%	₹975 Cr	9,927,500
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	9%	₹518 Cr	12,975,000
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| 532555	9%	₹509 Cr	15,443,244 ↑ 900,000
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| 532155	9%	₹502 Cr	29,150,000 ↑ 3,400,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| 532898	8%	₹467 Cr	17,635,554 ↑ 1,100,000
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| 500547	6%	₹372 Cr	9,700,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| 532134	6%	₹325 Cr	11,000,000
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| 526371	4%	₹232 Cr	27,900,000
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| 532814	3%	₹203 Cr	2,427,235
Oil India Ltd (Energy) Equity, Since 31 Mar 24 \| OIL	3%	₹163 Cr	3,850,000

5. Edelweiss Mid Cap Fund

(Erstwhile Edelweiss Mid and Small Cap Fund )

The investment objective is to seek to generate long-term capital appreciation from a portfolio that predominantly invests in equity and equity-related securities of Mid Cap companies. However, there can be no assurance that the investment objective of the Scheme will be realised.

Research Highlights for Edelweiss Mid Cap Fund

Highest AUM (₹13,650 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 22.88% (bottom quartile).
3Y return: 24.61% (bottom quartile).
1Y return: 5.61% (bottom quartile).
Alpha: -1.98 (bottom quartile).
Sharpe: -0.02 (bottom quartile).
Information ratio: 0.40 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding Persistent Systems Ltd (~2.9%).

Below is the key information for Edelweiss Mid Cap Fund

Edelweiss Mid Cap Fund Growth
Launch Date	26 Dec 07
NAV (23 Jan 26)	₹99.408 ↓ -1.43 (-1.42 %)
Net Assets (Cr)	₹13,650 on 31 Dec 25
Category	Equity - Mid Cap
AMC	Edelweiss Asset Management Limited
Rating	☆☆☆
Risk	High
Expense Ratio	1.75
Sharpe Ratio	-0.02
Information Ratio	0.4
Alpha Ratio	-1.98
Min Investment	5,000
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 Dec 20	₹10,000
31 Dec 21	₹15,026
31 Dec 22	₹15,381
31 Dec 23	₹21,291
31 Dec 24	₹29,572
31 Dec 25	₹30,687

Edelweiss Mid Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 Invest Now

Returns for Edelweiss Mid Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Jan 26

Duration	Returns
1 Month	-5.2%
3 Month	-3.4%
6 Month	-2.6%
1 Year	5.6%
3 Year	24.6%
5 Year	22.9%
10 Year
15 Year
Since launch	13.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	3.8%
2023	38.9%
2022	38.4%
2021	2.4%
2020	50.3%
2019	26.4%
2018	5.2%
2017	-15.7%
2016	52.3%
2015	2.5%

Fund Manager information for Edelweiss Mid Cap Fund

Name	Since	Tenure
Dhruv Bhatia	14 Oct 24	1.22 Yr.
Trideep Bhattacharya	1 Oct 21	4.25 Yr.
Raj Koradia	1 Aug 24	1.42 Yr.

Data below for Edelweiss Mid Cap Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	29.72%
Consumer Cyclical	14.55%
Industrials	13.36%
Basic Materials	9.89%
Technology	9.35%
Health Care	8.08%
Consumer Defensive	4.81%
Real Estate	2.85%
Communication Services	2.39%
Energy	2.24%
Utility	0.55%

Asset Allocation

Asset Class	Value
Cash	2.21%
Equity	97.78%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Persistent Systems Ltd (Technology) Equity, Since 31 Mar 21 \| PERSISTENT	3%	₹400 Cr	637,288
Coforge Ltd (Technology) Equity, Since 30 Jun 23 \| COFORGE	2%	₹332 Cr	1,995,149 ↓ -382,006
Marico Ltd (Consumer Defensive) Equity, Since 31 Oct 24 \| 531642	2%	₹326 Cr	4,344,867 ↑ 967,772
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 30 Apr 24 \| MCX	2%	₹306 Cr	274,589
BSE Ltd (Financial Services) Equity, Since 31 Mar 24 \| BSE	2%	₹302 Cr	1,145,902
The Federal Bank Ltd (Financial Services) Equity, Since 31 Dec 18 \| FEDERALBNK	2%	₹293 Cr	10,970,839
PB Fintech Ltd (Financial Services) Equity, Since 29 Feb 24 \| 543390	2%	₹285 Cr	1,559,919
IDFC First Bank Ltd (Financial Services) Equity, Since 31 Aug 25 \| IDFCFIRSTB	2%	₹279 Cr	32,624,448 ↑ 397,200
UNO Minda Ltd (Consumer Cyclical) Equity, Since 31 Aug 17 \| UNOMINDA	2%	₹258 Cr	2,008,482 ↑ 26,593
Indian Bank (Financial Services) Equity, Since 31 Jan 21 \| 532814	2%	₹256 Cr	3,059,155 ↓ -296,236

SIP ನಲ್ಲಿ ಹೂಡಿಕೆಯ ಪ್ರಯೋಜನಗಳು

ಕೆಲವು ಪ್ರಮುಖಹೂಡಿಕೆಯ ಪ್ರಯೋಜನಗಳು SIP ನಲ್ಲಿ ಈ ಕೆಳಗಿನಂತಿವೆ:

ರೂಪಾಯಿ ವೆಚ್ಚದ ಸರಾಸರಿ

ಹೆಚ್ಚಿನ ಹೂಡಿಕೆದಾರರು ಹೂಡಿಕೆ ಮಾಡಲು ಉತ್ತಮ ಸಮಯದ ಬಗ್ಗೆ ಸಂಶಯ ವ್ಯಕ್ತಪಡಿಸುತ್ತಾರೆಮಾರುಕಟ್ಟೆ. ಅವರು ಬಾಷ್ಪಶೀಲ ಮಾರುಕಟ್ಟೆಗಳ ಬಗ್ಗೆ ಚಿಂತಿತರಾಗಿದ್ದಾರೆ. ಆದರೆ, ರೂಪಾಯಿ ಬೆಲೆಯ ಸರಾಸರಿ ಎಲ್ಲಾ ಚಿಂತೆಗಳನ್ನು ಮುರಿಯುತ್ತದೆ. ನೀವು ನಿಯಮಿತರಾಗಿರುವುದರಿಂದಹೂಡಿಕೆದಾರ SIP ಯೊಂದಿಗೆ, ನಿಮ್ಮ ಹಣವು ಷೇರುಗಳ ಬೆಲೆ ಕಡಿಮೆಯಾದಾಗ ಮತ್ತು ಬೆಲೆ ಹೆಚ್ಚಾದಾಗ ಕಡಿಮೆಯಾದಾಗ ಹೆಚ್ಚು ಯೂನಿಟ್‌ಗಳನ್ನು ಪಡೆಯುತ್ತದೆ. ಬಾಷ್ಪಶೀಲ ಚಕ್ರದಲ್ಲಿ, ಪ್ರತಿ ಯೂನಿಟ್‌ಗೆ ಕಡಿಮೆ ಸರಾಸರಿ ವೆಚ್ಚವನ್ನು ಸಾಧಿಸಲು ಇದು ನಿಮ್ಮನ್ನು ಅನುಮತಿಸುತ್ತದೆ. ಹೀಗಾಗಿ, ಮಾರುಕಟ್ಟೆಯ ಏರಿಳಿತದ ಸಮಯದಲ್ಲಿ SIP ಮೂಲಕ ಹೂಡಿಕೆ ಮಾಡುವ ಧನಾತ್ಮಕ ಅಂಶವು ಸಾಕಷ್ಟು ಸ್ಪಷ್ಟವಾಗುತ್ತದೆ.

ಸಂಯೋಜನೆಯ ಶಕ್ತಿ

SIP ಗಳು ಕಾರ್ಯನಿರ್ವಹಿಸುತ್ತವೆಸಂಯೋಜನೆಯ ಶಕ್ತಿ. ಹೂಡಿಕೆದಾರರು ಅಲ್ಪ ಪ್ರಮಾಣದ ಹಣವನ್ನು ಹಾಕಬಹುದು ಮತ್ತು ಕಾಲಾನಂತರದಲ್ಲಿ ಮೌಲ್ಯವು ಹೇಗೆ ಹೆಚ್ಚಾಗುತ್ತದೆ ಎಂಬುದನ್ನು ನೋಡಬಹುದು. ನೀವು ಹೆಚ್ಚು ಕಾಲ ಹೂಡಿಕೆಯಲ್ಲಿರುತ್ತೀರಿ, ನಿಮ್ಮ ಹೂಡಿಕೆಯ ಮೌಲ್ಯವು ಹೆಚ್ಚಾಗುತ್ತದೆ. ನಿಯಮಿತ ಮಧ್ಯಂತರದಲ್ಲಿ ಗಳಿಸಿದ ಆದಾಯವನ್ನು ಫಂಡ್‌ನಲ್ಲಿ ಮರುಹೂಡಿಕೆ ಮಾಡಲಾಗುತ್ತದೆ, ಹೂಡಿಕೆದಾರರು ಆದಾಯದ ಮೇಲೆ ಲಾಭವನ್ನು ಪಡೆಯುತ್ತಾರೆ. ಮತ್ತು ಅದೇ ಚಕ್ರವು ವರ್ಷಗಳವರೆಗೆ ಮುಂದುವರಿಯುತ್ತದೆ. ಸಂಯೋಜನೆಯ ಶಕ್ತಿಯಿಂದ ಹೆಚ್ಚಿನ ಪ್ರಯೋಜನವನ್ನು ಪಡೆಯಲು, ಹೂಡಿಕೆದಾರರು ಹೆಚ್ಚಿನದನ್ನು ಮಾಡಲು ಚಿಕ್ಕ ವಯಸ್ಸಿನಲ್ಲೇ ಉಳಿತಾಯವನ್ನು ಪ್ರಾರಂಭಿಸಬೇಕು.

ಮಾರುಕಟ್ಟೆಗೆ ಸಮಯ ನೀಡುವ ಅಗತ್ಯವಿಲ್ಲ

SIP ಯೊಂದಿಗೆ, ಹೂಡಿಕೆದಾರರು ಮಾರುಕಟ್ಟೆಯ ಸಮಯದ ಬಗ್ಗೆ ಚಿಂತಿಸಬೇಕಾಗಿಲ್ಲ. SIP ಹೂಡಿಕೆದಾರರು ವಿವಿಧ ಹಂತಗಳಲ್ಲಿ ನಿಯಮಿತವಾಗಿ ಸ್ಥಿರ ಮೊತ್ತವನ್ನು ಹೂಡಿಕೆ ಮಾಡುವುದರಿಂದ ವೆಚ್ಚವನ್ನು ಸರಾಸರಿ ಮಾಡುವ ಮೂಲಕ ಮಾರುಕಟ್ಟೆಯ ಚಂಚಲತೆಯನ್ನು ಸವಾರಿ ಮಾಡಲು ಸಹಾಯ ಮಾಡುತ್ತದೆ.

ಆರ್ಥಿಕ ಗುರಿಗಳನ್ನು ಸಾಧಿಸಲು ಸುಲಭವಾದ ಮಾರ್ಗ

ನೀವು SIP ಮೂಲಕ ನಿಯಮಿತ ಹೂಡಿಕೆದಾರರಾಗುತ್ತಿದ್ದಂತೆ, ನಿಮ್ಮ ಹಣಕಾಸಿನ ಗುರಿಗಳನ್ನು ನೀವು ಸುಲಭವಾಗಿ ಯೋಜಿಸಬಹುದು. ಉದಾಹರಣೆಗೆ, ನಿಮ್ಮ ಅಲ್ಪಾವಧಿಯ ಗುರಿಯು 2 ವರ್ಷಗಳಲ್ಲಿ ಕಾರನ್ನು ಖರೀದಿಸುತ್ತಿದ್ದರೆ, ನೀವು ಸಾಲ ನಿಧಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದು ಮತ್ತು ನೀವು ಹೊಂದಿಸಿದ್ದರೆನಿವೃತ್ತಿ ಯೋಜನೆ ನಿಮ್ಮ ದೀರ್ಘಾವಧಿಯ ಗುರಿಯಾಗಿ, ನೀವು SIP ಮೂಲಕ ಈಕ್ವಿಟಿ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬೇಕು. SIP ಗಳು ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ಉಳಿತಾಯದ ನಿಯಮಿತ ಅಭ್ಯಾಸವನ್ನು ಸಹ ಸೃಷ್ಟಿಸುತ್ತವೆ. ತಮ್ಮ ಹೂಡಿಕೆಯಲ್ಲಿ ಎಲ್ಲಾ ಪ್ರಯೋಜನಗಳನ್ನು ಪಡೆಯಲು ಬಯಸುವ ಹೂಡಿಕೆದಾರರು ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ SIP ಮಾರ್ಗವನ್ನು ತೆಗೆದುಕೊಳ್ಳಬೇಕು.

SIP ರಿಟರ್ನ್ ಕ್ಯಾಲ್ಕುಲೇಟರ್ ಅಥವಾ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಕ್ಯಾಲ್ಕುಲೇಟರ್

ಎಸಿಪ್ ಕ್ಯಾಲ್ಕುಲೇಟರ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವಾಗ ಬಳಸಲು ಅತ್ಯಂತ ಬುದ್ಧಿವಂತ ಸಾಧನವಾಗಿದೆ. ನಿಮ್ಮ SIP ಹೂಡಿಕೆಯಲ್ಲಿ ನಿರೀಕ್ಷಿತ ಆದಾಯವನ್ನು ನಿರ್ಧರಿಸಲು ಇದು ಸಹಾಯ ಮಾಡುತ್ತದೆ. ನಿರ್ದಿಷ್ಟ ಹಣಕಾಸಿನ ಗುರಿಯನ್ನು ತಲುಪಲು ನೀವು ಹೂಡಿಕೆಯಲ್ಲಿ ಉಳಿಯಬೇಕಾದ ನಿಮ್ಮ ಹೂಡಿಕೆ ಮತ್ತು ಸಮಯದ ಅವಧಿಗೆ ಅಗತ್ಯವಿರುವ ಮೊತ್ತವನ್ನು ನೀವು ಲೆಕ್ಕ ಹಾಕಬಹುದು.

SIP ಕ್ಯಾಲ್ಕುಲೇಟರ್ ಅನ್ನು ಬಳಸುವಾಗ, ಒಬ್ಬರು ಕೆಲವು ವೇರಿಯಬಲ್‌ಗಳನ್ನು ತುಂಬಬೇಕು, ಅದು ಒಳಗೊಂಡಿರುತ್ತದೆ-

ಹೂಡಿಕೆಯ ಮೊತ್ತ
ಅಪೇಕ್ಷಿತ ಹೂಡಿಕೆಯ ಅವಧಿ
ನಿರೀಕ್ಷಿಸಲಾಗಿದೆಹಣದುಬ್ಬರ ಮುಂಬರುವ ವರ್ಷಗಳಲ್ಲಿ ದರ (ವಾರ್ಷಿಕ).
ಹೂಡಿಕೆಗಳ ಮೇಲೆ ದೀರ್ಘಾವಧಿಯ ಬೆಳವಣಿಗೆ ದರ

ಒಮ್ಮೆ ನೀವು ಮೇಲೆ ತಿಳಿಸಿದ ಎಲ್ಲಾ ಮಾಹಿತಿಯನ್ನು ಫೀಡ್ ಮಾಡಿದರೆ, ಕ್ಯಾಲ್ಕುಲೇಟರ್ ನಿಮ್ಮ ಹೂಡಿಕೆಯ ಅವಧಿಯ ನಂತರ ನೀವು ಪಡೆಯುವ ನಿವ್ವಳ ಲಾಭದ ಜೊತೆಗೆ ನೀವು ಪಡೆಯುವ ಮೊತ್ತವನ್ನು ಅಂದಾಜು ಮಾಡುತ್ತದೆ.

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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.