ಟಾಪ್ 10 ಅತ್ಯುತ್ತಮ ಕಾರ್ಯಕ್ಷಮತೆಯ ಸೆಕ್ಟೋರಲ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು 2022

Updated on August 3, 2026 , 128322 views

ಪ್ರಪಂಚದಲ್ಲಿಹೂಡಿಕೆ, 'ಹೈ-ರಿಸ್ಕ್ ಹೈ-ರಿಟರ್ನ್' ಹೂಡಿಕೆಗಳನ್ನು ದೃಢವಾಗಿ ನಂಬುವ ಹೂಡಿಕೆದಾರರು ಇದ್ದಾರೆ. ಮತ್ತು ಅಂತಹ ಹೆಚ್ಚಿನ ಅಪಾಯ ತೆಗೆದುಕೊಳ್ಳುವವರಿಗೆ,ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ಏನನ್ನಾದರೂ ತಡೆಹಿಡಿಯಿರಿ - ಸೆಕ್ಟರ್ ಫಂಡ್‌ಗಳು! ಸೆಕ್ಟರ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು ತಮ್ಮ ಹೂಡಿಕೆಯ ಉದ್ದೇಶದಿಂದ ವ್ಯಾಖ್ಯಾನಿಸಿದಂತೆ ನಿರ್ದಿಷ್ಟ ವಲಯದಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತವೆ. ಇನ್ಫ್ರಾ, ಫಾರ್ಮಾ, ಬ್ಯಾಂಕಿಂಗ್‌ನಂತಹ ಕೆಲವು ಕ್ಷೇತ್ರಗಳು ಸ್ಥಿರವಾಗಿ ಬೆಳೆಯುತ್ತಿವೆ ಮತ್ತು ಭವಿಷ್ಯಕ್ಕಾಗಿ ಸಕಾರಾತ್ಮಕ ದೃಷ್ಟಿಕೋನವನ್ನು ಹೊಂದಿವೆ. ಅಂತಹ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳು ನಿಮ್ಮ ಹಣವನ್ನು ದ್ವಿಗುಣಗೊಳಿಸಬಹುದು ಅಥವಾ ತೊಂದರೆಗೊಳಿಸಬಹುದು, ಹೂಡಿಕೆದಾರರು ಹೆಚ್ಚಿನ-ಅಪಾಯದ ಹಸಿವು ಸೆಕ್ಟರ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದು. ಈ ಲೇಖನದಲ್ಲಿ, 2022 ರಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಉತ್ತಮ ವಲಯದ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳ ಜೊತೆಗೆ ಸೆಕ್ಟರ್ ಫಂಡ್‌ಗಳ ಕುರಿತು ಕೆಲವು ವಿವರವಾದ ಒಳನೋಟಗಳನ್ನು ನೀವು ಪಡೆಯುತ್ತೀರಿ.

ಸೆಕ್ಟರ್ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಏಕೆ ಹೂಡಿಕೆ ಮಾಡಬೇಕು?

ಸೆಕ್ಟರ್ ಫಂಡ್ ಎನ್ನುವುದು ಒಂದು ರೀತಿಯ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಆಗಿದ್ದು ಅದು ನಿರ್ದಿಷ್ಟ ವಲಯಗಳ ಭದ್ರತೆಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತದೆಆರ್ಥಿಕತೆ, ಬ್ಯಾಂಕಿಂಗ್, ಟೆಲಿಕಾಂ, FMCG, ಔಷಧೀಯ, ಮಾಹಿತಿ ತಂತ್ರಜ್ಞಾನ (IT), ಮತ್ತು ಮೂಲಸೌಕರ್ಯ. ಬೇರೆ ರೀತಿಯಲ್ಲಿ ಹೇಳುವುದಾದರೆ, ಸೆಕ್ಟರ್ ಫಂಡ್‌ಗಳು ನಿಮ್ಮ ಹೂಡಿಕೆಯ ಸಂಪತ್ತನ್ನು ನಿರ್ದಿಷ್ಟ ಉದ್ಯಮ ಅಥವಾ ವಲಯಕ್ಕೆ ಮಾತ್ರ ಸಂಕುಚಿತಗೊಳಿಸುತ್ತವೆ. ಉದಾಹರಣೆಗೆ, ಬ್ಯಾಂಕಿಂಗ್ ವಲಯದ ನಿಧಿಯು ಬ್ಯಾಂಕ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದು ಮತ್ತು ಫಾರ್ಮಾ ನಿಧಿಯು ಫಾರ್ಮಾ ಕಂಪನಿಗಳ ಷೇರುಗಳಲ್ಲಿ ಮಾತ್ರ ಹೂಡಿಕೆ ಮಾಡಬಹುದು. ಈ ಫಂಡ್‌ಗಳ ಫಂಡ್ ಮ್ಯಾನೇಜರ್‌ಗಳು ಉತ್ತಮವಾಗಿ ಕಾರ್ಯನಿರ್ವಹಿಸುತ್ತಿರುವ ಕಂಪನಿಗಳ ಷೇರುಗಳಲ್ಲಿ ಹಣವನ್ನು ಹೂಡಿಕೆ ಮಾಡುತ್ತಾರೆಮಾರುಕಟ್ಟೆ. ಅಂತಹ ಹೂಡಿಕೆಯ ಒಟ್ಟಾರೆ ಉದ್ದೇಶವು ಮುಂದಿನ ದಿನಗಳಲ್ಲಿ ಹೆಚ್ಚಿನ ಬೆಳವಣಿಗೆಯ ಸಾಮರ್ಥ್ಯವನ್ನು ಹೊಂದಿರುವ ವಲಯಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು.

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ಹೂಡಿಕೆಯ ಸಮಯವು ನಿಖರವಾಗಿದ್ದರೆ ಈ ನಿಧಿಯು ನಿಜವಾಗಿಯೂ ದೊಡ್ಡ ಲಾಭವನ್ನು ಗಳಿಸಬಹುದು. ನಿಧಿಯನ್ನು ಯಾವಾಗ ನಮೂದಿಸಬೇಕು ಮತ್ತು ನಿರ್ಗಮಿಸಬೇಕು ಎಂಬುದನ್ನು ಒಬ್ಬರು ತಿಳಿದಿರಬೇಕು. ಹೂಡಿಕೆದಾರರು ಮಾರುಕಟ್ಟೆಯ ಕ್ಷೇತ್ರಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬೇಕು, ಅಲ್ಲಿ ಅವರು ವಿಶ್ವಾಸ ಹೊಂದಿರುವ ಅಥವಾ ಭವಿಷ್ಯದಲ್ಲಿ ಬೆಳವಣಿಗೆಯನ್ನು ನೋಡುತ್ತಾರೆ. ನಿರ್ದಿಷ್ಟ ಉದ್ಯಮ ಮತ್ತು ವಲಯದ ಬೆಳವಣಿಗೆಯ ಮೇಲೆ ಟ್ಯಾಪ್-ಇನ್ ಮಾಡುವುದು ಮುಖ್ಯ ಆಲೋಚನೆಯಾಗಿದೆ. ಸೆಕ್ಟರ್ ಫಂಡ್‌ಗಳ ಇತರ ಪ್ರಯೋಜನವೆಂದರೆ ವೈಯಕ್ತಿಕ ಸಂಸ್ಥೆ-ನಿರ್ದಿಷ್ಟ ಅಪಾಯದಿಂದ ನಿಮ್ಮನ್ನು ರಕ್ಷಿಸುವ ಸಾಮರ್ಥ್ಯ. ವೈಯಕ್ತಿಕ ಷೇರುಗಳನ್ನು ಖರೀದಿಸುವ ಬದಲು, ಸೆಕ್ಟರ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದರಿಂದ ಕಂಪನಿಯ ಕೆಟ್ಟ ಕಾರ್ಯಕ್ಷಮತೆಯು ನಿಮ್ಮ ಪೋರ್ಟ್‌ಫೋಲಿಯೊದ ಮೇಲೆ ಪರಿಣಾಮ ಬೀರುವುದಿಲ್ಲ ಎಂದು ಖಚಿತಪಡಿಸುತ್ತದೆ.

ಆದರೆ, ನೀವು ಸೆಕ್ಟರ್ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಮೊದಲು, ಮುಂದಿನ ದಿನಗಳಲ್ಲಿ ಆ ವಲಯವು ಉತ್ತಮವಾಗಿ ಕಾರ್ಯನಿರ್ವಹಿಸುತ್ತದೆ ಎಂದು ನೀವು ಏಕೆ ನಂಬುತ್ತೀರಿ ಎಂಬುದರ ಕುರಿತು ನೀವು ವಿಶ್ವಾಸ ಹೊಂದಿರಬೇಕು.

FY 22 - 23 ರಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಉನ್ನತ ಮತ್ತು ಅತ್ಯುತ್ತಮ ವಲಯದ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Sundaram Rural and Consumption Fund Growth	₹97.3321 ↑ 0.77	₹1,422	8.5	4.9	0.2	11.9	12.2	-0.1
Franklin Build India Fund Growth	₹145.794 ↑ 0.23	₹3,256	-1.2	-0.1	3.9	19.3	19.5	3.7
DSP Natural Resources and New Energy Fund Growth	₹108.562 ↑ 0.63	₹2,401	-3.5	0.6	22.4	20.2	15.4	17.5
Bandhan Infrastructure Fund Growth	₹50.216 ↑ 0.42	₹1,545	2.2	7	0.6	17.1	16.4	-6.9
Aditya Birla Sun Life Banking And Financial Services Fund Growth	₹64.09 ↑ 0.41	₹3,676	4.5	0.1	7.7	11.3	11.3	17.5
Kotak Infrastructure & Economic Reform Fund Growth	₹70.036 ↑ 0.27	₹2,447	4.4	8.5	8.5	16.1	18.4	-3.7
SBI Magnum COMMA Fund Growth	₹118.137 ↑ 0.89	₹1,150	0.4	4.1	14.2	17.8	11.1	12.3
SBI Consumption Opportunities Fund Growth	₹296.604 ↑ 1.35	₹2,906	2.4	1.9	-3.8	7.9	13.2	-6.3
Mirae Asset Great Consumer Fund Growth	₹95.793 ↑ 0.41	₹4,550	8.8	6.7	2.9	11.9	13.5	3.4
Nippon India Power and Infra Fund Growth	₹386.93 ↑ 2.40	₹8,043	1.2	12.4	13.1	21	22.2	-0.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 5 Aug 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	Sundaram Rural and Consumption Fund	Franklin Build India Fund	DSP Natural Resources and New Energy Fund	Bandhan Infrastructure Fund	Aditya Birla Sun Life Banking And Financial Services Fund	Kotak Infrastructure & Economic Reform Fund	SBI Magnum COMMA Fund	SBI Consumption Opportunities Fund	Mirae Asset Great Consumer Fund	Nippon India Power and Infra Fund
Point 1	Bottom quartile AUM (₹1,422 Cr).	Upper mid AUM (₹3,256 Cr).	Lower mid AUM (₹2,401 Cr).	Bottom quartile AUM (₹1,545 Cr).	Upper mid AUM (₹3,676 Cr).	Lower mid AUM (₹2,447 Cr).	Bottom quartile AUM (₹1,150 Cr).	Upper mid AUM (₹2,906 Cr).	Top quartile AUM (₹4,550 Cr).	Highest AUM (₹8,043 Cr).
Point 2	Established history (20+ yrs).	Established history (16+ yrs).	Established history (18+ yrs).	Established history (15+ yrs).	Established history (12+ yrs).	Established history (18+ yrs).	Established history (21+ yrs).	Established history (13+ yrs).	Established history (15+ yrs).	Oldest track record among peers (22 yrs).
Point 3	Top rated.	Rating: 5★ (top quartile).	Rating: 5★ (upper mid).	Rating: 5★ (upper mid).	Rating: 5★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 12.21% (bottom quartile).	5Y return: 19.54% (top quartile).	5Y return: 15.38% (upper mid).	5Y return: 16.36% (upper mid).	5Y return: 11.33% (bottom quartile).	5Y return: 18.38% (upper mid).	5Y return: 11.14% (bottom quartile).	5Y return: 13.17% (lower mid).	5Y return: 13.49% (lower mid).	5Y return: 22.16% (top quartile).
Point 6	3Y return: 11.85% (bottom quartile).	3Y return: 19.27% (upper mid).	3Y return: 20.17% (top quartile).	3Y return: 17.15% (upper mid).	3Y return: 11.34% (bottom quartile).	3Y return: 16.10% (lower mid).	3Y return: 17.77% (upper mid).	3Y return: 7.91% (bottom quartile).	3Y return: 11.89% (lower mid).	3Y return: 21.00% (top quartile).
Point 7	1Y return: 0.22% (bottom quartile).	1Y return: 3.91% (lower mid).	1Y return: 22.41% (top quartile).	1Y return: 0.59% (bottom quartile).	1Y return: 7.73% (upper mid).	1Y return: 8.54% (upper mid).	1Y return: 14.17% (top quartile).	1Y return: -3.77% (bottom quartile).	1Y return: 2.92% (lower mid).	1Y return: 13.11% (upper mid).
Point 8	Alpha: -6.29 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 3.47 (upper mid).	Alpha: 4.45 (top quartile).	Alpha: -0.86 (bottom quartile).	Alpha: -7.97 (bottom quartile).	Alpha: -0.41 (lower mid).	Alpha: 8.81 (top quartile).
Point 9	Sharpe: -0.67 (bottom quartile).	Sharpe: -0.04 (upper mid).	Sharpe: 0.72 (top quartile).	Sharpe: -0.25 (lower mid).	Sharpe: -0.06 (lower mid).	Sharpe: 0.03 (upper mid).	Sharpe: 0.29 (top quartile).	Sharpe: -0.78 (bottom quartile).	Sharpe: -0.36 (bottom quartile).	Sharpe: 0.24 (upper mid).
Point 10	Information ratio: -0.56 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.24 (top quartile).	Information ratio: -0.14 (lower mid).	Information ratio: -0.08 (lower mid).	Information ratio: -0.82 (bottom quartile).	Information ratio: -0.50 (bottom quartile).	Information ratio: 0.56 (top quartile).

Sundaram Rural and Consumption Fund

Bottom quartile AUM (₹1,422 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 12.21% (bottom quartile).
3Y return: 11.85% (bottom quartile).
1Y return: 0.22% (bottom quartile).
Alpha: -6.29 (bottom quartile).
Sharpe: -0.67 (bottom quartile).
Information ratio: -0.56 (bottom quartile).

Franklin Build India Fund

Upper mid AUM (₹3,256 Cr).
Established history (16+ yrs).
Rating: 5★ (top quartile).
Risk profile: High.
5Y return: 19.54% (top quartile).
3Y return: 19.27% (upper mid).
1Y return: 3.91% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.04 (upper mid).
Information ratio: 0.00 (upper mid).

DSP Natural Resources and New Energy Fund

Lower mid AUM (₹2,401 Cr).
Established history (18+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 15.38% (upper mid).
3Y return: 20.17% (top quartile).
1Y return: 22.41% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.72 (top quartile).
Information ratio: 0.00 (upper mid).

Bandhan Infrastructure Fund

Bottom quartile AUM (₹1,545 Cr).
Established history (15+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 16.36% (upper mid).
3Y return: 17.15% (upper mid).
1Y return: 0.59% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.25 (lower mid).
Information ratio: 0.00 (upper mid).

Aditya Birla Sun Life Banking And Financial Services Fund

Upper mid AUM (₹3,676 Cr).
Established history (12+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 11.33% (bottom quartile).
3Y return: 11.34% (bottom quartile).
1Y return: 7.73% (upper mid).
Alpha: 3.47 (upper mid).
Sharpe: -0.06 (lower mid).
Information ratio: 0.24 (top quartile).

Kotak Infrastructure & Economic Reform Fund

Lower mid AUM (₹2,447 Cr).
Established history (18+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 18.38% (upper mid).
3Y return: 16.10% (lower mid).
1Y return: 8.54% (upper mid).
Alpha: 4.45 (top quartile).
Sharpe: 0.03 (upper mid).
Information ratio: -0.14 (lower mid).

SBI Magnum COMMA Fund

Bottom quartile AUM (₹1,150 Cr).
Established history (21+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 11.14% (bottom quartile).
3Y return: 17.77% (upper mid).
1Y return: 14.17% (top quartile).
Alpha: -0.86 (bottom quartile).
Sharpe: 0.29 (top quartile).
Information ratio: -0.08 (lower mid).

SBI Consumption Opportunities Fund

Upper mid AUM (₹2,906 Cr).
Established history (13+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: High.
5Y return: 13.17% (lower mid).
3Y return: 7.91% (bottom quartile).
1Y return: -3.77% (bottom quartile).
Alpha: -7.97 (bottom quartile).
Sharpe: -0.78 (bottom quartile).
Information ratio: -0.82 (bottom quartile).

Mirae Asset Great Consumer Fund

Top quartile AUM (₹4,550 Cr).
Established history (15+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: High.
5Y return: 13.49% (lower mid).
3Y return: 11.89% (lower mid).
1Y return: 2.92% (lower mid).
Alpha: -0.41 (lower mid).
Sharpe: -0.36 (bottom quartile).
Information ratio: -0.50 (bottom quartile).

Nippon India Power and Infra Fund

Highest AUM (₹8,043 Cr).
Oldest track record among peers (22 yrs).
Rating: 4★ (bottom quartile).
Risk profile: High.
5Y return: 22.16% (top quartile).
3Y return: 21.00% (top quartile).
1Y return: 13.11% (upper mid).
Alpha: 8.81 (top quartile).
Sharpe: 0.24 (upper mid).
Information ratio: 0.56 (top quartile).

*AUM/Net ಸ್ವತ್ತುಗಳನ್ನು ಹೊಂದಿರುವ ಅತ್ಯುತ್ತಮ ಸೆಕ್ಟೋರಿಯಲ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳ ಪಟ್ಟಿ >100 ಕೋಟಿ.

1. Sundaram Rural and Consumption Fund

(Erstwhile Sundaram Rural India Fund)

The primary investment objective of the scheme is to generate consistent long-term returns by investing predominantly in equity & equity related instruments of companies that are focusing on Rural India.

Research Highlights for Sundaram Rural and Consumption Fund

Bottom quartile AUM (₹1,422 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 12.21% (bottom quartile).
3Y return: 11.85% (bottom quartile).
1Y return: 0.22% (bottom quartile).
Alpha: -6.29 (bottom quartile).
Sharpe: -0.67 (bottom quartile).
Information ratio: -0.56 (bottom quartile).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Bharti Airtel Ltd (~8.6%).

Below is the key information for Sundaram Rural and Consumption Fund

Sundaram Rural and Consumption Fund Growth
Launch Date	12 May 06
NAV (05 Aug 26)	₹97.3321 ↑ 0.77 (0.79 %)
Net Assets (Cr)	₹1,422 on 30 Jun 26
Category	Equity - Sectoral
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	2.18
Sharpe Ratio	-0.68
Information Ratio	-0.56
Alpha Ratio	-6.29
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹11,075
31 Jul 23	₹12,868
31 Jul 24	₹17,764
31 Jul 25	₹17,811
31 Jul 26	₹17,424

Sundaram Rural and Consumption Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684 Invest Now

Returns for Sundaram Rural and Consumption Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Aug 26

Duration	Returns
1 Month	5.3%
3 Month	8.5%
6 Month	4.9%
1 Year	0.2%
3 Year	11.9%
5 Year	12.2%
10 Year
15 Year
Since launch	11.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-0.1%
2023	20.1%
2022	30.2%
2021	9.3%
2020	19.3%
2019	13.5%
2018	2.7%
2017	-7.8%
2016	38.7%
2015	21.1%

Fund Manager information for Sundaram Rural and Consumption Fund

Name	Since	Tenure
Rohit Seksaria	27 Feb 26	0.42 Yr.
Shalav Saket	31 Dec 25	0.58 Yr.
Anuj Bansal	27 Feb 26	0.42 Yr.

Data below for Sundaram Rural and Consumption Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Consumer Cyclical	48.67%
Consumer Defensive	22.07%
Communication Services	9.57%
Health Care	5.25%
Industrials	3.69%
Basic Materials	2.76%
Technology	2.48%
Financial Services	1.47%

Asset Allocation

Asset Class	Value
Cash	4.05%
Equity	95.95%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 22 \| BHARTIARTL	9%	₹123 Cr	662,373
Eternal Ltd (Consumer Cyclical) Equity, Since 31 May 24 \| ETERNAL	8%	₹113 Cr	4,263,545
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Apr 22 \| M&M	7%	₹103 Cr	336,803 ↓ -43,526
Titan Co Ltd (Consumer Cyclical) Equity, Since 29 Feb 20 \| TITAN	7%	₹94 Cr	212,692
ITC Ltd (Consumer Defensive) Equity, Since 31 Jul 13 \| ITC	6%	₹80 Cr	2,789,487 ↓ -943,699
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 31 Jul 22 \| APOLLOHOSP	5%	₹74 Cr	85,724
Nestle India Ltd (Consumer Defensive) Equity, Since 30 Jun 16 \| NESTLEIND	4%	₹61 Cr	431,406
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Dec 25 \| INDIGO	4%	₹53 Cr	97,824 ↑ 8,421
SJS Enterprises Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| SJS	4%	₹52 Cr	235,207
TVS Motor Co Ltd (Consumer Cyclical) Equity, Since 31 Jan 25 \| 532343	3%	₹48 Cr	138,262 ↑ 21,106

2. Franklin Build India Fund

The Scheme seeks to achieve capital appreciation by investing in companies engaged directly or indirectly in infrastructure related activities.

Research Highlights for Franklin Build India Fund

Upper mid AUM (₹3,256 Cr).
Established history (16+ yrs).
Rating: 5★ (top quartile).
Risk profile: High.
5Y return: 19.54% (top quartile).
3Y return: 19.27% (upper mid).
1Y return: 3.91% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.04 (upper mid).
Information ratio: 0.00 (upper mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding Larsen & Toubro Ltd (~9.2%).

Below is the key information for Franklin Build India Fund

Franklin Build India Fund Growth
Launch Date	4 Sep 09
NAV (05 Aug 26)	₹145.794 ↑ 0.23 (0.16 %)
Net Assets (Cr)	₹3,256 on 30 Jun 26
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	2.01
Sharpe Ratio	-0.04
Information Ratio	0
Alpha Ratio	0
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 21	₹10,000
31 Jul 22	₹10,937
31 Jul 23	₹14,923
31 Jul 24	₹25,030
31 Jul 25	₹24,095
31 Jul 26	₹24,551

Franklin Build India Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for Franklin Build India Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Aug 26

Duration	Returns
1 Month	-1.3%
3 Month	-1.2%
6 Month	-0.1%
1 Year	3.9%
3 Year	19.3%
5 Year	19.5%
10 Year
15 Year
Since launch	17.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	3.7%
2023	27.8%
2022	51.1%
2021	11.2%
2020	45.9%
2019	5.4%
2018	6%
2017	-10.7%
2016	43.3%
2015	8.4%

Fund Manager information for Franklin Build India Fund

Name	Since	Tenure
Ajay Argal	18 Oct 21	4.79 Yr.
Kiran Sebastian	7 Feb 22	4.48 Yr.
Sandeep Manam	18 Oct 21	4.79 Yr.

Data below for Franklin Build India Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Industrials	39.49%
Utility	16.59%
Financial Services	13.87%
Energy	11.35%
Basic Materials	5.96%
Communication Services	4.95%
Real Estate	2.32%
Technology	1.24%
Consumer Cyclical	1.16%

Asset Allocation

Asset Class	Value
Cash	3.07%
Equity	96.93%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 29 Feb 20 \| LT	9%	₹300 Cr	725,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 29 Feb 20 \| INDIGO	7%	₹225 Cr	420,000
Reliance Industries Ltd (Energy) Equity, Since 31 Oct 21 \| RELIANCE	5%	₹168 Cr	1,300,000
NTPC Ltd (Utilities) Equity, Since 30 Nov 16 \| 532555	5%	₹164 Cr	4,600,000
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 30 Jun 19 \| 500312	5%	₹160 Cr	6,825,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 12 \| 532215	4%	₹135 Cr	1,000,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 09 \| BHARTIARTL	4%	₹131 Cr	710,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 25 \| HDFCBANK	4%	₹130 Cr	1,625,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 28 Feb 21 \| 532898	4%	₹125 Cr	4,350,000
Tata Power Co Ltd (Utilities) Equity, Since 31 Jan 25 \| 500400	4%	₹120 Cr	3,100,000

3. DSP Natural Resources and New Energy Fund

To seek to generate capital appreciation and provide long term growth opportunities by investing in equity and equity related securities of companies domiciled in India whose predominant economic activity is in the (a) discovery, development, production, or distribution of natural resources, viz., energy, mining etc; (b) alternative energy and energy technology sectors, with emphasis given to renewable energy, automotive and on-site power generation, energy storage and enabling energy technologies. also invest a certain portion of its corpus in the equity and equity related securities of companies domiciled overseas, which are principally engaged in the discovery, development, production or distribution of natural resources and alternative energy and/or the units shares of Merrill Lynch international Investment Funds New Energy Fund, Merrill Lynch International Investment Funds World Energy Fund and similar other overseas mutual fund schemes.

Research Highlights for DSP Natural Resources and New Energy Fund

Lower mid AUM (₹2,401 Cr).
Established history (18+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 15.38% (upper mid).
3Y return: 20.17% (top quartile).
1Y return: 22.41% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.72 (top quartile).
Information ratio: 0.00 (upper mid).
Higher exposure to Energy vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~90%).
Largest holding BGF World Energy I2 (~9.0%).

Below is the key information for DSP Natural Resources and New Energy Fund

DSP Natural Resources and New Energy Fund Growth
Launch Date	25 Apr 08
NAV (05 Aug 26)	₹108.562 ↑ 0.63 (0.59 %)
Net Assets (Cr)	₹2,401 on 30 Jun 26
Category	Equity - Sectoral
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.99
Sharpe Ratio	0.72
Information Ratio	0
Alpha Ratio	0
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 21	₹10,000
31 Jul 22	₹9,620
31 Jul 23	₹12,028
31 Jul 24	₹18,206
31 Jul 25	₹16,802
31 Jul 26	₹20,240

DSP Natural Resources and New Energy Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 Invest Now

Returns for DSP Natural Resources and New Energy Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Aug 26

Duration	Returns
1 Month	2.2%
3 Month	-3.5%
6 Month	0.6%
1 Year	22.4%
3 Year	20.2%
5 Year	15.4%
10 Year
15 Year
Since launch	13.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	17.5%
2023	13.9%
2022	31.2%
2021	9.8%
2020	42.8%
2019	11.5%
2018	4.4%
2017	-15.3%
2016	43.1%
2015	43.1%

Fund Manager information for DSP Natural Resources and New Energy Fund

Name	Since	Tenure
Rohit Singhania	1 Jul 12	14.09 Yr.

Data below for DSP Natural Resources and New Energy Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Energy	51.84%
Basic Materials	27.68%
Utility	7.71%
Industrials	1.53%
Technology	0.99%
Consumer Cyclical	0.03%

Asset Allocation

Asset Class	Value
Cash	10.22%
Equity	89.77%
Debt	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Energy I2 Investment Fund \| -	9%	₹215 Cr	602,478
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 08 \| 500547	8%	₹191 Cr	6,286,211 ↑ 373,776
Reliance Industries Ltd (Energy) Equity, Since 31 Aug 08 \| RELIANCE	7%	₹176 Cr	1,364,020 ↑ 563,272
Jindal Steel Ltd (Basic Materials) Equity, Since 31 Mar 20 \| 532286	7%	₹160 Cr	1,511,761
Tata Steel Ltd (Basic Materials) Equity, Since 31 Aug 16 \| TATASTEEL	7%	₹160 Cr	8,510,930
Indian Oil Corp Ltd (Energy) Equity, Since 31 May 25 \| IOC	6%	₹147 Cr	10,557,999 ↑ 584,108
Hindustan Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 13 \| HINDPETRO	6%	₹144 Cr	3,649,839 ↑ 47,391
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 31 May 20 \| 500312	5%	₹120 Cr	5,107,299
Hindustan Zinc Ltd (Basic Materials) Equity, Since 31 Mar 09 \| 500188	4%	₹100 Cr	1,866,806
Petronet LNG Ltd (Energy) Equity, Since 31 Jan 18 \| 532522	4%	₹98 Cr	3,491,869 ↑ 30,862

4. Bandhan Infrastructure Fund

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

Bottom quartile AUM (₹1,545 Cr).
Established history (15+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 16.36% (upper mid).
3Y return: 17.15% (upper mid).
1Y return: 0.59% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.25 (lower mid).
Information ratio: 0.00 (upper mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding Larsen & Toubro Ltd (~5.8%).

Below is the key information for Bandhan Infrastructure Fund

Bandhan Infrastructure Fund Growth
Launch Date	8 Mar 11
NAV (05 Aug 26)	₹50.216 ↑ 0.42 (0.84 %)
Net Assets (Cr)	₹1,545 on 30 Jun 26
Category	Equity - Sectoral
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	2.1
Sharpe Ratio	-0.25
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 Jul 21	₹10,000
31 Jul 22	₹9,965
31 Jul 23	₹13,634
31 Jul 24	₹24,906
31 Jul 25	₹21,737
31 Jul 26	₹21,407

Bandhan Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 Invest Now

Returns for Bandhan 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 5 Aug 26

Duration	Returns
1 Month	-0.2%
3 Month	2.2%
6 Month	7%
1 Year	0.6%
3 Year	17.1%
5 Year	16.4%
10 Year
15 Year
Since launch	11%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-6.9%
2023	39.3%
2022	50.3%
2021	1.7%
2020	64.8%
2019	6.3%
2018	-5.3%
2017	-25.9%
2016	58.7%
2015	10.7%

Fund Manager information for Bandhan Infrastructure Fund

Name	Since	Tenure
Vishal Biraia	24 Jan 24	2.52 Yr.
Ritika Behera	7 Oct 23	2.82 Yr.
Gaurav Satra	7 Jun 24	2.15 Yr.

Data below for Bandhan Infrastructure Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Industrials	53.02%
Utility	16.03%
Basic Materials	8.02%
Energy	4.52%
Communication Services	4.06%
Technology	3.79%
Financial Services	3.2%
Health Care	2.58%
Real Estate	1.01%
Consumer Cyclical	0.7%

Asset Allocation

Asset Class	Value
Cash	3.07%
Equity	96.93%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 29 Feb 12 \| LT	6%	₹90 Cr	217,318 ↓ -2,195
Kirloskar Brothers Ltd (Industrials) Equity, Since 31 Dec 17 \| KIRLOSBROS	5%	₹79 Cr	384,441 ↓ -26,105
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 24 \| RELIANCE	5%	₹70 Cr	539,669 ↑ 3,000
GPT Infraprojects Ltd (Industrials) Equity, Since 30 Nov 17 \| GPTINFRA	4%	₹63 Cr	4,733,244
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 19 \| BHARTIARTL	4%	₹63 Cr	338,533 ↓ -3,419
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Aug 24 \| INDIGO	4%	₹61 Cr	113,194 ↓ -1,143
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 Dec 23 \| ADANIPORTS	4%	₹57 Cr	315,614 ↓ -3,188
Bharat Electronics Ltd (Industrials) Equity, Since 31 Oct 19 \| BEL	4%	₹55 Cr	1,342,120 ↓ -13,556
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Mar 14 \| 532538	3%	₹53 Cr	47,330
Adani Energy Solutions Ltd (Utilities) Equity, Since 31 Aug 24 \| ADANIENSOL	3%	₹47 Cr	314,814

5. Aditya Birla Sun Life Banking And Financial Services Fund

The primary investment objective of the Scheme is to generate long-term capital appreciation to unit holders from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes’ objectives will be achieved.

Research Highlights for Aditya Birla Sun Life Banking And Financial Services Fund

Upper mid AUM (₹3,676 Cr).
Established history (12+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 11.33% (bottom quartile).
3Y return: 11.34% (bottom quartile).
1Y return: 7.73% (upper mid).
Alpha: 3.47 (upper mid).
Sharpe: -0.06 (lower mid).
Information ratio: 0.24 (top quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding ICICI Bank Ltd (~13.6%).

Below is the key information for Aditya Birla Sun Life Banking And Financial Services Fund

Aditya Birla Sun Life Banking And Financial Services Fund Growth
Launch Date	14 Dec 13
NAV (05 Aug 26)	₹64.09 ↑ 0.41 (0.64 %)
Net Assets (Cr)	₹3,676 on 30 Jun 26
Category	Equity - Sectoral
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.99
Sharpe Ratio	-0.06
Information Ratio	0.24
Alpha Ratio	3.47
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,150
31 Jul 23	₹12,850
31 Jul 24	₹15,342
31 Jul 25	₹16,422
31 Jul 26	₹17,240

Aditya Birla Sun Life Banking And Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518 Invest Now

Returns for Aditya Birla Sun Life Banking And Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Aug 26

Duration	Returns
1 Month	-0.4%
3 Month	4.5%
6 Month	0.1%
1 Year	7.7%
3 Year	11.3%
5 Year	11.3%
10 Year
15 Year
Since launch	15.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	17.5%
2023	8.7%
2022	21.7%
2021	11.5%
2020	16.8%
2019	1.1%
2018	14.9%
2017	-2.4%
2016	47.6%
2015	15.7%

Fund Manager information for Aditya Birla Sun Life Banking And Financial Services Fund

Name	Since	Tenure
Dhaval Gala	26 Aug 15	10.94 Yr.

Data below for Aditya Birla Sun Life Banking And Financial Services Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	97.42%
Technology	1.13%

Asset Allocation

Asset Class	Value
Cash	1.17%
Equity	98.83%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| ICICIBANK	14%	₹500 Cr	3,636,644 ↓ -81,285
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| HDFCBANK	11%	₹404 Cr	5,058,496
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| 532215	8%	₹310 Cr	2,302,100
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Sep 16 \| 500034	6%	₹215 Cr	2,137,250
State Bank of India (Financial Services) Equity, Since 31 Oct 17 \| SBIN	5%	₹197 Cr	1,918,689
Shriram Finance Ltd (Financial Services) Equity, Since 30 Jun 23 \| SHRIRAMFIN	5%	₹197 Cr	1,886,669
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 19 \| KOTAKBANK	4%	₹131 Cr	3,346,665
Bank of Maharashtra (Financial Services) Equity, Since 31 Dec 25 \| MAHABANK	3%	₹115 Cr	12,546,499
AU Small Finance Bank Ltd (Financial Services) Equity, Since 30 Nov 23 \| 540611	3%	₹109 Cr	1,046,861
PNB Housing Finance Ltd (Financial Services) Equity, Since 31 Aug 24 \| PNBHOUSING	3%	₹95 Cr	918,856

6. Kotak Infrastructure & Economic Reform Fund

The investment objective of the Scheme is to generate long-term capital appreciation from a diversified portfolio of predominantly (at least 65%) equity and equity-related securities of companies involved in economic development of India as a result of potential investments in infrastructure and unfolding economic reforms.

Research Highlights for Kotak Infrastructure & Economic Reform Fund

Lower mid AUM (₹2,447 Cr).
Established history (18+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 18.38% (upper mid).
3Y return: 16.10% (lower mid).
1Y return: 8.54% (upper mid).
Alpha: 4.45 (top quartile).
Sharpe: 0.03 (upper mid).
Information ratio: -0.14 (lower mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~100%).
Largest holding Larsen & Toubro Ltd (~11.8%).

Below is the key information for Kotak Infrastructure & Economic Reform Fund

Kotak Infrastructure & Economic Reform Fund Growth
Launch Date	25 Feb 08
NAV (05 Aug 26)	₹70.036 ↑ 0.27 (0.39 %)
Net Assets (Cr)	₹2,447 on 30 Jun 26
Category	Equity - Sectoral
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	High
Expense Ratio	2.01
Sharpe Ratio	0.03
Information Ratio	-0.14
Alpha Ratio	4.45
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 Jul 21	₹10,000
31 Jul 22	₹11,438
31 Jul 23	₹15,378
31 Jul 24	₹24,565
31 Jul 25	₹22,076
31 Jul 26	₹23,452

Kotak Infrastructure & Economic Reform Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656 Invest Now

Returns for Kotak Infrastructure & Economic Reform Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Aug 26

Duration	Returns
1 Month	0.5%
3 Month	4.4%
6 Month	8.5%
1 Year	8.5%
3 Year	16.1%
5 Year	18.4%
10 Year
15 Year
Since launch	11.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-3.7%
2023	32.4%
2022	37.3%
2021	15.6%
2020	57.3%
2019	3.4%
2018	3.6%
2017	-19.6%
2016	45.3%
2015	9.2%

Fund Manager information for Kotak Infrastructure & Economic Reform Fund

Name	Since	Tenure
Nalin Bhatt	1 Oct 23	2.84 Yr.

Data below for Kotak Infrastructure & Economic Reform Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Industrials	49.36%
Basic Materials	12.28%
Energy	9.31%
Communication Services	8.71%
Consumer Cyclical	8.26%
Technology	3.88%
Financial Services	3.17%
Real Estate	1.74%
Health Care	1.51%
Utility	1.51%

Asset Allocation

Asset Class	Value
Cash	0.27%
Equity	99.73%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 28 Feb 15 \| LT	12%	₹289 Cr	696,725 ↑ 89,725
Reliance Industries Ltd (Energy) Equity, Since 31 Mar 25 \| RELIANCE	8%	₹186 Cr	1,440,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 20 \| BHARTIARTL	5%	₹125 Cr	675,000
Solar Industries India Ltd (Basic Materials) Equity, Since 31 Oct 15 \| SOLARINDS	4%	₹101 Cr	54,000
Indus Towers Ltd Ordinary Shares (Communication Services) Equity, Since 31 Jul 25 \| 534816	4%	₹88 Cr	2,250,000
Kalpataru Projects International Ltd (Industrials) Equity, Since 31 Aug 17 \| KPIL	4%	₹86 Cr	630,000
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Mar 15 \| 532538	3%	₹68 Cr	60,000
Shree Cement Ltd (Basic Materials) Equity, Since 31 Dec 11 \| 500387	3%	₹61 Cr	24,300
VST Tillers Tractors Ltd (Industrials) Equity, Since 30 Apr 24 \| VSTTILLERS	2%	₹58 Cr	129,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 30 Sep 21 \| INDIGO	2%	₹58 Cr	108,000 ↑ 27,000

7. SBI Magnum COMMA Fund

To generate opportunities for growth along with possibility of consistent returns by investing predominantly in a portfolio of stocks of companies engaged in the commodity business within the following sectors - Oil & Gas, Metals, Materials & Agriculture and in debt & money market instruments.

Research Highlights for SBI Magnum COMMA Fund

Bottom quartile AUM (₹1,150 Cr).
Established history (21+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 11.14% (bottom quartile).
3Y return: 17.77% (upper mid).
1Y return: 14.17% (top quartile).
Alpha: -0.86 (bottom quartile).
Sharpe: 0.29 (top quartile).
Information ratio: -0.08 (lower mid).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding Tata Steel Ltd (~7.0%).

Below is the key information for SBI Magnum COMMA Fund

SBI Magnum COMMA Fund Growth
Launch Date	8 Aug 05
NAV (05 Aug 26)	₹118.137 ↑ 0.89 (0.76 %)
Net Assets (Cr)	₹1,150 on 30 Jun 26
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	High
Expense Ratio	2.58
Sharpe Ratio	0.29
Information Ratio	-0.08
Alpha Ratio	-0.86
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 21	₹10,000
31 Jul 22	₹9,240
31 Jul 23	₹10,318
31 Jul 24	₹15,164
31 Jul 25	₹14,840
31 Jul 26	₹16,633

SBI Magnum COMMA Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518 Invest Now

Returns for SBI Magnum COMMA Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Aug 26

Duration	Returns
1 Month	2.5%
3 Month	0.4%
6 Month	4.1%
1 Year	14.2%
3 Year	17.8%
5 Year	11.1%
10 Year
15 Year
Since launch	12.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	12.3%
2023	10.5%
2022	32.3%
2021	-6.6%
2020	52%
2019	23.9%
2018	11.8%
2017	-18.7%
2016	39.2%
2015	32.3%

Fund Manager information for SBI Magnum COMMA Fund

Name	Since	Tenure
Dinesh Balachandran	1 Jun 24	2.16 Yr.

Data below for SBI Magnum COMMA Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Basic Materials	51.02%
Energy	15.89%
Utility	13.3%
Consumer Cyclical	8.02%
Consumer Defensive	4.52%
Financial Services	1.8%

Asset Allocation

Asset Class	Value
Cash	5.2%
Equity	94.55%
Debt	0.26%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tata Steel Ltd (Basic Materials) Equity, Since 30 Apr 11 \| TATASTEEL	7%	₹80 Cr	4,276,000
JSW Steel Ltd (Basic Materials) Equity, Since 31 May 24 \| JSWSTEEL	5%	₹61 Cr	500,000
CESC Ltd (Utilities) Equity, Since 30 Sep 24 \| CESC	5%	₹54 Cr	3,170,000
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 31 May 20 \| 500312	5%	₹53 Cr	2,266,750
Gokaldas Exports Ltd (Consumer Cyclical) Equity, Since 30 Apr 26 \| GOKEX	4%	₹48 Cr	544,735 ↑ 94,735
Arvind Ltd (Consumer Cyclical) Equity, Since 30 Apr 24 \| 500101	4%	₹45 Cr	760,000
Steel Authority Of India Ltd (Basic Materials) Equity, Since 29 Feb 24 \| SAIL	4%	₹41 Cr	2,350,000
UltraTech Cement Ltd (Basic Materials) Equity, Since 30 Jun 18 \| 532538	3%	₹38 Cr	34,000
Balrampur Chini Mills Ltd (Consumer Defensive) Equity, Since 31 Jul 24 \| BALRAMCHIN	3%	₹36 Cr	650,000
NMDC Ltd (Basic Materials) Equity, Since 30 Sep 24 \| 526371	3%	₹35 Cr	4,127,919

8. SBI Consumption Opportunities Fund

(Erstwhile SBI FMCG Fund)

To provide the investors maximum growth opportunity through equity investments in stocks of growth oriented sectors of the economy.

Research Highlights for SBI Consumption Opportunities Fund

Upper mid AUM (₹2,906 Cr).
Established history (13+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: High.
5Y return: 13.17% (lower mid).
3Y return: 7.91% (bottom quartile).
1Y return: -3.77% (bottom quartile).
Alpha: -7.97 (bottom quartile).
Sharpe: -0.78 (bottom quartile).
Information ratio: -0.82 (bottom quartile).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding Mahindra & Mahindra Ltd (~5.3%).

Below is the key information for SBI Consumption Opportunities Fund

SBI Consumption Opportunities Fund Growth
Launch Date	2 Jan 13
NAV (05 Aug 26)	₹296.604 ↑ 1.35 (0.46 %)
Net Assets (Cr)	₹2,906 on 30 Jun 26
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	High
Expense Ratio	2
Sharpe Ratio	-0.78
Information Ratio	-0.82
Alpha Ratio	-7.97
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-15 Days (0.5%),15 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹12,144
31 Jul 23	₹15,094
31 Jul 24	₹20,910
31 Jul 25	₹19,485
31 Jul 26	₹18,562

SBI Consumption Opportunities Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for SBI Consumption 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 5 Aug 26

Duration	Returns
1 Month	2.4%
3 Month	2.4%
6 Month	1.9%
1 Year	-3.8%
3 Year	7.9%
5 Year	13.2%
10 Year
15 Year
Since launch	13.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-6.3%
2023	22.8%
2022	29.9%
2021	13.9%
2020	35.6%
2019	13.9%
2018	0.1%
2017	-2%
2016	53.1%
2015	2.4%

Fund Manager information for SBI Consumption Opportunities Fund

Name	Since	Tenure
Pradeep Kesavan	1 Apr 24	2.33 Yr.
Ashit Desai	1 Apr 24	2.33 Yr.

Data below for SBI Consumption Opportunities Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Consumer Cyclical	51.28%
Consumer Defensive	26.36%
Basic Materials	9.67%
Industrials	5.79%
Communication Services	3.03%
Technology	0.8%

Asset Allocation

Asset Class	Value
Cash	2.44%
Equity	97.46%
Debt	0.1%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 Jul 21 \| M&M	5%	₹153 Cr	500,000 ↑ 150,000
Asian Paints Ltd (Basic Materials) Equity, Since 30 Jun 25 \| 500820	5%	₹138 Cr	525,000 ↓ -54,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Jan 20 \| MARUTI	4%	₹127 Cr	90,000
Page Industries Ltd (Consumer Cyclical) Equity, Since 31 Jan 20 \| 532827	4%	₹123 Cr	29,678
Berger Paints India Ltd (Basic Materials) Equity, Since 30 Jun 24 \| 509480	4%	₹112 Cr	2,200,000 ↓ -150,172
Jubilant Foodworks Ltd (Consumer Cyclical) Equity, Since 30 Sep 23 \| JUBLFOOD	4%	₹110 Cr	2,640,600
Hindustan Unilever Ltd (Consumer Defensive) Equity, Since 31 May 22 \| HINDUNILVR	4%	₹106 Cr	500,000 ↓ -300,000
United Breweries Ltd (Consumer Defensive) Equity, Since 31 May 21 \| UBL	4%	₹104 Cr	780,000
Britannia Industries Ltd (Consumer Defensive) Equity, Since 30 Sep 20 \| 500825	4%	₹103 Cr	200,000
Avenue Supermarts Ltd (Consumer Defensive) Equity, Since 31 Mar 24 \| 540376	3%	₹99 Cr	225,000 ↑ 30,957

9. Mirae Asset Great Consumer Fund

The investment objective of the scheme is to generate long term capital appreciation by investing in a portfolio of companies/funds that are likely to benefit either directly or indirectly from consumption led demand in India. The Scheme does not guarantee or assure any returns

Research Highlights for Mirae Asset Great Consumer Fund

Top quartile AUM (₹4,550 Cr).
Established history (15+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: High.
5Y return: 13.49% (lower mid).
3Y return: 11.89% (lower mid).
1Y return: 2.92% (lower mid).
Alpha: -0.41 (lower mid).
Sharpe: -0.36 (bottom quartile).
Information ratio: -0.50 (bottom quartile).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~100%).
Largest holding Eternal Ltd (~7.0%).

Below is the key information for Mirae Asset Great Consumer Fund

Mirae Asset Great Consumer Fund Growth
Launch Date	29 Mar 11
NAV (05 Aug 26)	₹95.793 ↑ 0.41 (0.43 %)
Net Assets (Cr)	₹4,550 on 30 Jun 26
Category	Equity - Sectoral
AMC	Mirae Asset Global Inv (India) Pvt. Ltd
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.16
Sharpe Ratio	-0.36
Information Ratio	-0.5
Alpha Ratio	-0.41
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 Jul 21	₹10,000
31 Jul 22	₹11,299
31 Jul 23	₹13,770
31 Jul 24	₹19,152
31 Jul 25	₹18,567
31 Jul 26	₹18,832

Mirae Asset Great Consumer Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for Mirae Asset Great Consumer Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Aug 26

Duration	Returns
1 Month	3.7%
3 Month	8.8%
6 Month	6.7%
1 Year	2.9%
3 Year	11.9%
5 Year	13.5%
10 Year
15 Year
Since launch	15.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	3.4%
2023	17.2%
2022	32.9%
2021	7.2%
2020	33%
2019	11.2%
2018	8.6%
2017	1.9%
2016	51%
2015	2%

Fund Manager information for Mirae Asset Great Consumer Fund

Name	Since	Tenure
Siddhant Chhabria	21 Jun 21	5.11 Yr.

Data below for Mirae Asset Great Consumer Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Consumer Cyclical	57.09%
Consumer Defensive	19.85%
Basic Materials	8.31%
Communication Services	6.04%
Health Care	4.01%
Technology	2.4%
Industrials	1.29%
Financial Services	0.72%

Asset Allocation

Asset Class	Value
Cash	0.27%
Equity	99.73%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Eternal Ltd (Consumer Cyclical) Equity, Since 29 Feb 24 \| ETERNAL	7%	₹319 Cr	12,073,385
Titan Co Ltd (Consumer Cyclical) Equity, Since 31 Dec 16 \| TITAN	7%	₹318 Cr	722,296 ↑ 12,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Mar 12 \| MARUTI	7%	₹311 Cr	220,423
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 Oct 23 \| M&M	6%	₹279 Cr	908,648 ↓ -30,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 19 \| BHARTIARTL	6%	₹275 Cr	1,483,765 ↓ -25,000
Trent Ltd (Consumer Cyclical) Equity, Since 31 May 23 \| 500251	5%	₹236 Cr	717,669 ↓ -30,000
Asian Paints Ltd (Basic Materials) Equity, Since 31 Jan 21 \| 500820	4%	₹185 Cr	700,935 ↓ -20,000
ITC Ltd (Consumer Defensive) Equity, Since 29 Feb 12 \| ITC	4%	₹175 Cr	6,115,000 ↓ -610,000
Eicher Motors Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| EICHERMOT	4%	₹172 Cr	243,696 ↓ -7,000
Avenue Supermarts Ltd (Consumer Defensive) Equity, Since 31 Mar 23 \| 540376	4%	₹165 Cr	377,208 ↑ 57,021

10. Nippon India Power and Infra Fund

(Erstwhile Reliance Diversified Power Sector Fund)

The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies in the power sector.

Research Highlights for Nippon India Power and Infra Fund

Highest AUM (₹8,043 Cr).
Oldest track record among peers (22 yrs).
Rating: 4★ (bottom quartile).
Risk profile: High.
5Y return: 22.16% (top quartile).
3Y return: 21.00% (top quartile).
1Y return: 13.11% (upper mid).
Alpha: 8.81 (top quartile).
Sharpe: 0.24 (upper mid).
Information ratio: 0.56 (top quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Reliance Industries Ltd (~7.5%).

Below is the key information for Nippon India Power and Infra Fund

Nippon India Power and Infra Fund Growth
Launch Date	8 May 04
NAV (05 Aug 26)	₹386.93 ↑ 2.40 (0.62 %)
Net Assets (Cr)	₹8,043 on 30 Jun 26
Category	Equity - Sectoral
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.85
Sharpe Ratio	0.24
Information Ratio	0.56
Alpha Ratio	8.81
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 Jul 21	₹10,000
31 Jul 22	₹10,666
31 Jul 23	₹15,659
31 Jul 24	₹26,918
31 Jul 25	₹24,246
31 Jul 26	₹27,001

Nippon India Power and Infra 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 Nippon India Power and Infra Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Aug 26

Duration	Returns
1 Month	1.2%
3 Month	1.2%
6 Month	12.4%
1 Year	13.1%
3 Year	21%
5 Year	22.2%
10 Year
15 Year
Since launch	17.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-0.5%
2023	26.9%
2022	58%
2021	10.9%
2020	48.9%
2019	10.8%
2018	-2.9%
2017	-21.1%
2016	61.7%
2015	0.1%

Fund Manager information for Nippon India Power and Infra Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	8.19 Yr.
Rahul Modi	19 Aug 24	1.95 Yr.
Amber Singhania	11 Mar 26	0.39 Yr.

Data below for Nippon India Power and Infra Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Industrials	36.61%
Utility	20.76%
Consumer Cyclical	12.72%
Energy	9.02%
Basic Materials	7.09%
Financial Services	3.86%
Technology	3.69%
Communication Services	2.37%
Real Estate	1.54%
Health Care	1.47%

Asset Allocation

Asset Class	Value
Cash	0.86%
Equity	99.14%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 18 \| RELIANCE	7%	₹603 Cr	4,660,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 07 \| LT	7%	₹579 Cr	1,396,958 ↑ 30,000
NTPC Ltd (Utilities) Equity, Since 31 May 09 \| 532555	6%	₹449 Cr	12,600,000
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	4%	₹284 Cr	29,697,646 ↑ 1,103,062
Bharat Heavy Electricals Ltd (Industrials) Equity, Since 30 Sep 24 \| 500103	3%	₹253 Cr	6,100,000 ↑ 300,000
Triveni Turbine Ltd (Industrials) Equity, Since 30 Jun 25 \| 533655	3%	₹211 Cr	3,053,288 ↓ -140,000
Power Finance Corp Ltd (Financial Services) Equity, Since 31 Oct 24 \| 532810	3%	₹204 Cr	4,800,000 ↑ 180,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 18 \| BHARTIARTL	2%	₹191 Cr	1,030,000
Carborundum Universal Ltd (Industrials) Equity, Since 30 Sep 23 \| CARBORUNIV	2%	₹177 Cr	1,501,545
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 30 Sep 20 \| HAL	2%	₹172 Cr	392,000

ಅತ್ಯುತ್ತಮ ವಲಯದ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವಾಗ ಪರಿಗಣಿಸಲು ಸ್ಮಾರ್ಟ್ ಸಲಹೆಗಳು

ಸೆಕ್ಟರ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಮೊದಲು ನೀವು ತಿಳಿದುಕೊಳ್ಳಬೇಕಾದ ಕೆಲವು ವಿಷಯಗಳು ಇಲ್ಲಿವೆ:

1. ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಉದ್ದೇಶ

ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಯೋಜನೆಯ ಉದ್ದೇಶವನ್ನು ಯಾವಾಗಲೂ ಸರಿಯಾಗಿ ಅರ್ಥಮಾಡಿಕೊಳ್ಳಬೇಕು. ಉದಾಹರಣೆಗೆ, ಕೆಲವು ವಲಯದ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳು ಹೇಳಲಾದ ವಲಯದಲ್ಲಿ ಪೋರ್ಟ್‌ಫೋಲಿಯೊದ 65 ಪ್ರತಿಶತದವರೆಗೆ ಮಾತ್ರ ಹೂಡಿಕೆ ಮಾಡುತ್ತವೆ. ಇದು ವಲಯಕ್ಕೆ ನಿಮ್ಮ ಒಡ್ಡುವಿಕೆಯನ್ನು ದುರ್ಬಲಗೊಳಿಸಬಹುದು ಮತ್ತು ನೀವು ನಿರೀಕ್ಷಿಸಿದಂತೆ ಇಳುವರಿಯನ್ನು ಒದಗಿಸುವುದಿಲ್ಲ.

2. ಮಾರುಕಟ್ಟೆಯ ಸಮಯ

ಅವರು ಹೇಳಿದಂತೆ, ಸ್ಟಾಕ್ ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಸಂಪತ್ತನ್ನು ಬೆಳೆಸಲು, "ಮಾರುಕಟ್ಟೆಯ ಸಮಯಕ್ಕಿಂತ ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಸಮಯವು ಹೆಚ್ಚು ಮುಖ್ಯವಾಗಿದೆ." ಆದರೆ, ವಲಯದ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹಣ ಸಂಪಾದಿಸುವ ವಿಷಯಕ್ಕೆ ಬಂದಾಗ, ಮಾರುಕಟ್ಟೆಯನ್ನು ಸಮಯಕ್ಕೆ ಸರಿಯಾಗಿ ಕಲಿಯಬೇಕು, ವಿಶೇಷವಾಗಿ ಸಿಮೆಂಟ್‌ನಂತಹ ಆವರ್ತಕ ವಲಯಗಳಲ್ಲಿ,ಬ್ಯಾಂಕ್, ಉಕ್ಕು, ಇತ್ಯಾದಿ. ಉದಾಹರಣೆಗೆ, ಬಡ್ಡಿದರಗಳು ಕಡಿಮೆಯಾಗಿರುವಾಗ ಅಥವಾ ಕುಸಿಯುವ ನಿರೀಕ್ಷೆಯಿರುವಾಗ ಬ್ಯಾಂಕಿಂಗ್ ಷೇರುಗಳು ಉತ್ತಮವಾಗಿ ಕಾರ್ಯನಿರ್ವಹಿಸುತ್ತವೆ. ಮತ್ತು ಅವರುಕಳಪೆ ಪ್ರದರ್ಶನ ಬಡ್ಡಿದರಗಳು ಹೆಚ್ಚುತ್ತಿರುವಾಗ. ಆದ್ದರಿಂದ, ಬ್ಯಾಂಕಿಂಗ್ ಫಂಡ್‌ನಲ್ಲಿ ಉತ್ತಮ ಆದಾಯವನ್ನು ಪಡೆಯಲು, ಒಬ್ಬರು ಬಡ್ಡಿದರದ ಚಕ್ರದ ಸರಿಯಾದ ತಿರುವಿನಲ್ಲಿರಬೇಕು.

ತಾತ್ತ್ವಿಕವಾಗಿ, ಒಂದುಹೂಡಿಕೆದಾರ ತೆಗೆದುಕೊಳ್ಳಬೇಕುSIP ಅಂತಹ ನಿಧಿಗಳಿಗೆ ಒಡ್ಡುವಿಕೆಯನ್ನು ನಿರ್ಮಿಸಲು ಮಾರ್ಗವಾಗಿದೆ, ಆದರೆ ಸೆಕ್ಟರ್ ಫಂಡಮೆಂಟಲ್ಸ್ ಮಸುಕಾಗಲು ಅಥವಾ ಮುಳುಗಲು ಪ್ರಾರಂಭಿಸಿದಾಗ ಒಬ್ಬರು SIP ಗಳನ್ನು ಮುಚ್ಚಬೇಕು ಮತ್ತು ಸೆಕ್ಟರ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಸ್ಥಾನದಿಂದ ನಿರ್ಗಮಿಸಬೇಕು.

ಭಿನ್ನವಾಗಿವೈವಿಧ್ಯಮಯ ನಿಧಿಗಳು, ಸೆಕ್ಟರ್ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳು ಕಡಿಮೆ ವೈವಿಧ್ಯಮಯವಾಗಿವೆ, ಹೀಗಾಗಿ ಅಪಾಯದ ಮಾನ್ಯತೆ ತುಲನಾತ್ಮಕವಾಗಿ ಹೆಚ್ಚು. ಸೆಕ್ಟರ್ ಫಂಡ್‌ಗಳ ಸುತ್ತಲಿನ ಅನನುಕೂಲವೆಂದರೆ ಚಂಚಲತೆಯ ಹೆಚ್ಚಿನ ದರವಾಗಿದೆ. ಇದು ಹೂಡಿಕೆಯ ಸ್ವರೂಪದಿಂದಾಗಿ. ಮಾರುಕಟ್ಟೆಯು ಮೇಲ್ಮುಖವಾಗಿ ಚಲಿಸುತ್ತಿರುವಾಗ ಹೂಡಿಕೆದಾರರು ಹೆಚ್ಚಿನ ಆದಾಯವನ್ನು ಗಳಿಸುತ್ತಾರೆ ಮತ್ತು ನಿರ್ದಿಷ್ಟ ವಲಯದ ಮಾರುಕಟ್ಟೆಯು ಹದಗೆಟ್ಟಾಗ ಅಪಾರ ನಷ್ಟವನ್ನು ಅನುಭವಿಸುತ್ತಾರೆ.

3. ಯಾವಾಗ ನಿರ್ಗಮಿಸಬೇಕು ಎಂದು ತಿಳಿಯಿರಿ

ವೈವಿಧ್ಯಮಯ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಿಗೆ ಹೋಲಿಸಿದರೆ, ಸೆಕ್ಟರ್ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಅನ್ನು ಪೋರ್ಟ್‌ಫೋಲಿಯೊದಲ್ಲಿ ಬಹಳ ಸಮಯದವರೆಗೆ ಹಿಡಿದಿಟ್ಟುಕೊಳ್ಳಬಾರದು. ತಾತ್ತ್ವಿಕವಾಗಿ, ಒಂದು ವಲಯವು ಉತ್ತಮವಾಗಿ ಕಾರ್ಯನಿರ್ವಹಿಸಲು ನಿರೀಕ್ಷಿಸಿದಾಗ, ಒಬ್ಬರು ಅಂತಹ ನಿಧಿಯನ್ನು ಖರೀದಿಸಬೇಕು ಮತ್ತು ಅದು ಪರವಾಗಿ ಹೊರಬರಲು ಪ್ರಾರಂಭಿಸಿದಾಗ ನಿಧಿಯಿಂದ ನಿರ್ಗಮಿಸಬೇಕು. ಈ ನಿಧಿಗಳು ಹೆಚ್ಚಾಗಿ ಆವರ್ತಕವಾಗಿರುವುದರಿಂದ, ಅವರ ಅಧಿಕಾರಾವಧಿಯು ಸಾಮಾನ್ಯವಾಗಿ 3-5 ವರ್ಷಗಳು. ಹೀಗಾಗಿ, ಹೂಡಿಕೆದಾರರು ಅಂತಹ ಫಂಡ್‌ಗಳನ್ನು ಯಾವಾಗ ನಿರ್ಗಮಿಸಬೇಕು ಎಂದು ತಿಳಿಯಲು ಸ್ವಲ್ಪ ಸಮಯವನ್ನು ಕಳೆಯಬೇಕು.

4. ಸೀಮಿತ ಮಾನ್ಯತೆ

ಸೆಕ್ಟರ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಹೂಡಿಕೆದಾರರು ಫಂಡ್ ಮ್ಯಾನೇಜರ್ ತನ್ನ ಹೂಡಿಕೆಯ ಆಯ್ಕೆಗಳಲ್ಲಿ ನಿರ್ಬಂಧಿತರಾಗಿದ್ದಾರೆ ಮತ್ತು ಆ ವಲಯವು ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಉತ್ತಮವಾಗಿ ಕಾರ್ಯನಿರ್ವಹಿಸದಿದ್ದರೂ ಸಹ ನಿರ್ದಿಷ್ಟ ವಲಯದಲ್ಲಿ ಹೂಡಿಕೆಯನ್ನು ಮುಂದುವರಿಸಬೇಕಾಗುತ್ತದೆ ಎಂದು ಅರ್ಥಮಾಡಿಕೊಳ್ಳಬೇಕು. ಆದರೆ, ಈಕ್ವಿಟಿ ಡೈವರ್ಸಿಫೈಡ್ ಫಂಡ್‌ಗಳಲ್ಲಿ, ಫಂಡ್ ಮ್ಯಾನೇಜರ್ ಅಂತಹ ಯಾವುದೇ ನಿರ್ಬಂಧಕ್ಕೆ ಬದ್ಧರಾಗಿರುವುದಿಲ್ಲ.

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