ಭಾರತದಲ್ಲಿ ಕೊರೊನಾವೈರಸ್ ಲಾಕ್‌ಡೌನ್ ಸಮಯದಲ್ಲಿ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಹೇಗೆ?

Updated on November 22, 2025 , 7487 views

ಕರೋನವೈರಸ್ ಪ್ರಪಂಚದಾದ್ಯಂತದ ಪ್ರತಿಯೊಂದು ರಾಷ್ಟ್ರಕ್ಕೂ ಒಂದು ಪ್ರಮುಖ ಕಾಳಜಿಯಾಗಿದೆ. ಭಾರತವು ಏಪ್ರಿಲ್ 15, 2020 ರವರೆಗೆ ಲಾಕ್‌ಡೌನ್ ಆಗಿದೆ. ಪ್ರಧಾನಿ ನರೇಂದ್ರ ಮೋದಿಯವರ ಭಾಷಣದ ನಂತರ ಭಾರತವು 24ನೇ ಮಾರ್ಚ್ 2020 ರ ಮಧ್ಯರಾತ್ರಿ ಬ್ಯಾಂಡ್‌ವ್ಯಾಗನ್‌ಗೆ ಸೇರಿದೆ.

ದಿಮಾರುಕಟ್ಟೆ ಇತಿಹಾಸದಲ್ಲಿ ಅತ್ಯಂತ ವೇಗದ ಕುಸಿತವನ್ನು ಅನುಭವಿಸಿದೆ ಮತ್ತು ಷೇರುಗಳು ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಅತ್ಯಂತ ಅಗ್ಗವಾಗಿವೆ. ಈ ಸಮಯದಲ್ಲಿ ಅಗತ್ಯ ಸೇವೆಗಳನ್ನು ಹೊರತುಪಡಿಸಿ ಎಲ್ಲವೂ ತೆರೆದಿರುತ್ತದೆ. ಈ ಸಮಯದಲ್ಲಿ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಕಚೇರಿಗಳು ಕನಿಷ್ಠ ಸಿಬ್ಬಂದಿಯೊಂದಿಗೆ ಕಾರ್ಯನಿರ್ವಹಿಸುತ್ತಿವೆ. ಆದಾಗ್ಯೂ, ಅವರು ಸೇವೆಗಳನ್ನು ಸುಗಮವಾಗಿ ಮತ್ತು ಪರಿಣಾಮಕಾರಿಯಾಗಿ ನಡೆಸಲು ತಮ್ಮ ಕೈಲಾದಷ್ಟು ಪ್ರಯತ್ನಿಸುತ್ತಿದ್ದಾರೆ ಮತ್ತು ಮಾಡುತ್ತಿದ್ದಾರೆ.

ವರದಿಯ ಪ್ರಕಾರ, ಅಸೋಸಿಯೇಷನ್ ಆಫ್ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ಭಾರತದಲ್ಲಿ ಮಾಹಿತಿSEBI ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳ ದೈನಂದಿನ ಕಾರ್ಯಾಚರಣೆಯಲ್ಲಿ ಸಂಭವಿಸಬಹುದಾದ ತೊಂದರೆಗಳು. ಆದರೆ, ಮಾರುಕಟ್ಟೆ ಸ್ಥಿರತೆ ಕಾಯ್ದುಕೊಳ್ಳಲು ಅಧಿಕಾರಿಗಳು ಉತ್ತಮ ಕೆಲಸ ಮಾಡುತ್ತಿದ್ದಾರೆ.

ಈ ನಿರ್ಣಾಯಕ ಹಂತದಲ್ಲಿ ಹೂಡಿಕೆದಾರರು ಎಚ್ಚರಿಕೆಯಿಂದ ಮತ್ತು ಚುರುಕಾಗಿ ಹೂಡಿಕೆ ಮಾಡಬೇಕು. ವ್ಯವಸ್ಥಿತವಾದಂತಹ ದಿಗ್ಭ್ರಮೆಗೊಂಡ ಹೂಡಿಕೆಗಳನ್ನು ಬಳಸಿಕೊಳ್ಳಿಹೂಡಿಕೆ ಯೋಜನೆ (SIP) ಮತ್ತುವ್ಯವಸ್ಥಿತ ವರ್ಗಾವಣೆ ಯೋಜನೆ (STP ಗಳು). ಇದು ಅನುಮತಿಸುವ ಕಾರಣ SIP ಗಳನ್ನು ಶಿಫಾರಸು ಮಾಡಲಾಗಿದೆಹೂಡಿಕೆದಾರ ಶಿಸ್ತುಬದ್ಧವಾಗಿರಬೇಕು ಮತ್ತು ದೀರ್ಘಾವಧಿಯ ಸಂಪತ್ತನ್ನು ನಿರ್ಮಿಸಬೇಕು. ಬಾಷ್ಪಶೀಲ ಮಾರುಕಟ್ಟೆ ಪರಿಸ್ಥಿತಿಗಳಲ್ಲಿ STP ಅನ್ನು ಶಿಫಾರಸು ಮಾಡಲಾಗಿದೆ.

ಪೇಪರ್ ಮತ್ತು ಚೆಕ್ ಮೂಲಕ ಹೂಡಿಕೆ ಮಾಡಿದ ಹೂಡಿಕೆದಾರರು?

ನೀವು ಪೇಪರ್ ಮತ್ತು ಚೆಕ್ ಮಾರ್ಗದ ಮೂಲಕ ಹೂಡಿಕೆ ಮಾಡಿದ್ದರೆ ನೀವು ಆನ್‌ಲೈನ್ ಮೋಡ್ ಅನ್ನು ಬಳಸಿಕೊಂಡು ನಿಮ್ಮ ಫಂಡ್ ಫೋಲಿಯೊಗಳಿಗೆ ವಹಿವಾಟುಗಳನ್ನು ಮುಂದುವರಿಸಬಹುದು. ಅನುಸರಿಸಲು ಕೆಲವು ಹಂತಗಳು ಇಲ್ಲಿವೆ:

AMCsofficial ವೆಬ್‌ಸೈಟ್ ಆನ್‌ಲೈನ್ ಅಥವಾ ನಿಮ್ಮ ಸ್ಮಾರ್ಟ್‌ಫೋನ್‌ನಲ್ಲಿ ಅಪ್ಲಿಕೇಶನ್‌ಗೆ ಹೋಗಿ
ನಿಮ್ಮ ಫಂಡ್ ಫೋಲಿಯೊದೊಂದಿಗೆ ಲಿಂಕ್ ಮಾಡಲಾದ PAN ಸಂಖ್ಯೆ, ಇಮೇಲ್ ಐಡಿ ಮತ್ತು ಮೊಬೈಲ್ ಸಂಖ್ಯೆಯೊಂದಿಗೆ ನಿಮ್ಮನ್ನು ನೋಂದಾಯಿಸಿಕೊಳ್ಳಿ
ನಿಮ್ಮ ನೋಂದಾಯಿತ ಇಮೇಲ್ ಐಡಿ ಮತ್ತು ಫೋನ್ ಸಂಖ್ಯೆಯಲ್ಲಿ ನೀವು OTP ಅನ್ನು ಸ್ವೀಕರಿಸುತ್ತೀರಿ
ನಿಮ್ಮ ಆನ್‌ಲೈನ್ ಖಾತೆಯಲ್ಲಿ ನಿಮ್ಮ ಗುರುತನ್ನು ಪರಿಶೀಲಿಸಲು ಮತ್ತು ನಿಮ್ಮ ಹೂಡಿಕೆಗಳನ್ನು ಪಡೆದುಕೊಳ್ಳಲು ಇದನ್ನು ಬಳಸಿ. ನೀವು ಈಗ ಹೊಸ ಘಟಕಗಳನ್ನು ಮಾರಾಟ ಮಾಡಬಹುದು, ಬದಲಾಯಿಸಬಹುದು ಅಥವಾ ಖರೀದಿಸಬಹುದು

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ಹೂಡಿಕೆದಾರರನ್ನು ಆನ್‌ಲೈನ್‌ಗೆ ಹೋಗಲು ಅಧಿಕಾರಿಗಳು ಒತ್ತಾಯಿಸುತ್ತಾರೆ

ನಿವ್ವಳ ಆಸ್ತಿ ಮೌಲ್ಯವನ್ನು ಪ್ರಕಟಿಸಲು ವಿಳಂಬವಾಗಬಹುದು ಎಂದು ವರದಿ ಹೇಳಿದೆ (ಅವು ಅಲ್ಲ) ಆದಾಗ್ಯೂ, ಟೆಲಿಕಾಂ ನೆಟ್‌ವರ್ಕ್‌ಗಳು ಸಂಪೂರ್ಣವಾಗಿ ಕಾರ್ಯನಿರ್ವಹಿಸುವವರೆಗೆ ಹೂಡಿಕೆದಾರರ ಅಗತ್ಯತೆಗಳನ್ನು ಪೂರೈಸುವಲ್ಲಿ ಯಾವುದೇ ಸಮಸ್ಯೆಗಳನ್ನು ಅವರು ಕಾಣುವುದಿಲ್ಲ ಎಂದು ಅಧಿಕಾರಿಗಳು ಹೇಳಿದ್ದಾರೆ. ಹೂಡಿಕೆದಾರರು ವಹಿವಾಟುಗಳಿಗಾಗಿ ವೆಬ್‌ಸೈಟ್ ಮತ್ತು ಮೊಬೈಲ್ ಅಪ್ಲಿಕೇಶನ್‌ಗಳನ್ನು ಬಳಸಬಹುದು. ಕೆಲವುAMC ಗಳು ಹೂಡಿಕೆದಾರರು ತಮ್ಮ ವಹಿವಾಟುಗಳನ್ನು ಇಮೇಲ್ ಮಾಡಲು ಅನುವು ಮಾಡಿಕೊಡಲು ಅನುಬಂಧವನ್ನು ಸಹ ರವಾನಿಸಿದ್ದಾರೆ. ಹೂಡಿಕೆದಾರರು ನೋಂದಾಯಿತ ಇಮೇಲ್ ಐಡಿಯನ್ನು ಹೊಂದಿದ್ದರೆ ಅವರು ಅದನ್ನು ಪ್ರಕ್ರಿಯೆಗೊಳಿಸುತ್ತಾರೆ.

ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಕಂಪನಿಯ ಉದ್ಯೋಗಿಗಳು ಆನ್‌ಲೈನ್ ಮೋಡ್‌ಗಳ ಮೂಲಕ ವ್ಯವಹಾರಗಳ ಸುಗಮ ಕಾರ್ಯನಿರ್ವಹಣೆಯನ್ನು ಅನುಮತಿಸಲು ಮನೆಯಿಂದಲೇ ಕೆಲಸ ಮಾಡುತ್ತಾರೆ.

ಸಾರ್ವಜನಿಕ ಹಿತಾಸಕ್ತಿಗಾಗಿ ನೀಡಿದ ಜಾಹೀರಾತಿನಲ್ಲಿ,AMFI ಮಾರ್ಚ್ 23, 2020 ರಿಂದ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳು ತಮ್ಮ ಸಂಗ್ರಹಣಾ ಕೇಂದ್ರಗಳು/ಶಾಖೆ ಕಚೇರಿಗಳನ್ನು ಮುಚ್ಚುತ್ತವೆ ಮತ್ತು ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ವೆಬ್‌ಸೈಟ್‌ಗಳು, ವೆಬ್ ಪೋರ್ಟಲ್‌ಗಳು, ಡಿಜಿಟಲ್ ಪ್ಲಾಟ್‌ಫಾರ್ಮ್‌ಗಳು, ಅಪ್ಲಿಕೇಶನ್‌ಗಳು ಅಥವಾ ವರ್ಚುವಲ್ ಚಾನೆಲ್‌ಗಳು ಮುಂತಾದ ವಿವಿಧ ಎಲೆಕ್ಟ್ರಾನಿಕ್ ಮೋಡ್‌ಗಳ ಮೂಲಕ ಸಂಪೂರ್ಣವಾಗಿ ಆನ್‌ಲೈನ್ ವಹಿವಾಟುಗಳನ್ನು ಅನುಮತಿಸುತ್ತವೆ. ಪರಿಸ್ಥಿತಿ ನಿಯಂತ್ರಣಕ್ಕೆ ಬರುತ್ತದೆ ಮತ್ತು ಅಧಿಕಾರಿಗಳು ಸಾಮಾಜಿಕ ಅಂತರವನ್ನು ಹಿಂತೆಗೆದುಕೊಳ್ಳುತ್ತಾರೆ. ಹೂಡಿಕೆದಾರರು, ವಿತರಕರು, ಸಂದರ್ಶಕರು, ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳ ಉದ್ಯೋಗಿಗಳಿಗೆ ಸಾಮಾಜಿಕ ಅಂತರದ ಮೂಲಕ ಸುರಕ್ಷತೆಯನ್ನು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಲು ಇದು.

ಕೊರೊನಾವೈರಸ್ ಸಾಂಕ್ರಾಮಿಕ ಸಮಯದಲ್ಲಿ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಹೇಗೆ?

ಸರಿ, ಒಂದೇ ದಾರಿಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿ ಟೆಕ್-ಬುದ್ಧಿವಂತರಾಗುವ ಮೂಲಕ ಮತ್ತು ಆನ್‌ಲೈನ್‌ಗೆ ಹೋಗುವುದು. ಇದು ಭಯಪಡುವ ಸಮಯವಲ್ಲ, ಆದರೆ ಲಾಭ ಪಡೆಯಲು ಎಂದು ಪ್ರಮುಖ ತಜ್ಞರು ಹೇಳುತ್ತಾರೆ. ಕೋವಿಡ್-19 ಬಿಕ್ಕಟ್ಟು ಮುಂದುವರಿದಾಗಲೂ ಗ್ರಾಹಕರ ಆಸಕ್ತಿಯನ್ನು ರಕ್ಷಿಸಲು ಉದ್ಯಮವು ಉತ್ತಮವಾಗಿ ಸಿದ್ಧವಾಗಿರುವುದರಿಂದ ಹೂಡಿಕೆಯೊಂದಿಗೆ ಮುಂದುವರಿಯಲು ಅವರು ಸಲಹೆ ನೀಡುತ್ತಾರೆ.

1. ಲಿಕ್ವಿಡ್ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿ

ಹೂಡಿಕೆ ಒಳಗೆದ್ರವ ನಿಧಿಗಳು ಇದು ಕಡಿಮೆ ಅಪಾಯದ ನಿಧಿಯಾಗಿರುವುದರಿಂದ ಸಲಹೆ ನೀಡಲಾಗುತ್ತದೆ.. ಇದು ಠೇವಣಿಗಳ ಪ್ರಮಾಣಪತ್ರ, ಟಿ-ಬಿಲ್‌ಗಳು, ವಾಣಿಜ್ಯ ಪತ್ರಗಳು ಮತ್ತು ಅವಧಿ ಠೇವಣಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತದೆ. ನೀವು 24 ಗಂಟೆಗಳ ಅವಧಿಯಲ್ಲಿ ನಿಮ್ಮ ಹಣವನ್ನು ಹಿಂಪಡೆಯಬಹುದು. ಕೆಲವು AMC ಗಳು ತ್ವರಿತ ಆಯ್ಕೆಯನ್ನು ಸಹ ಹೊಂದಿವೆವಿಮೋಚನೆ ದ್ರವ ನಿಧಿಗಳಲ್ಲಿ.

Fund	NAV	Net Assets (Cr)	1 MO (%)	3 MO (%)	6 MO (%)	1 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Indiabulls Liquid Fund Growth	₹2,583.61 ↑ 0.36	₹155	0.5	1.4	3	6.7	7.4	6.03%	1M 9D	1M 9D
PGIM India Insta Cash Fund Growth	₹347.781 ↑ 0.05	₹573	0.5	1.4	2.9	6.6	7.3	5.95%	1M 2D	1M 2D
JM Liquid Fund Growth	₹72.866 ↑ 0.01	₹1,374	0.5	1.4	2.9	6.5	7.2	6.04%	1M 6D	1M 8D
Axis Liquid Fund Growth	₹2,974.7 ↑ 0.43	₹35,360	0.5	1.4	3	6.7	7.4	6%	1M 6D	1M 8D
Tata Liquid Fund Growth	₹4,207.44 ↑ 0.62	₹22,366	0.5	1.4	3	6.6	7.3	6.09%	2M 2D	2M 2D
Aditya Birla Sun Life Liquid Fund Growth	₹430.464 ↑ 0.07	₹56,938	0.5	1.4	2.9	6.6	7.3	6.11%	2M 12D	2M 12D
Invesco India Liquid Fund Growth	₹3,671.74 ↑ 0.54	₹16,638	0.5	1.4	2.9	6.6	7.4	5.95%	1M 8D	1M 8D
Nippon India Liquid Fund Growth	₹6,518.96 ↑ 0.96	₹30,230	0.5	1.4	2.9	6.6	7.3	6.06%	1M 9D	1M 11D
ICICI Prudential Liquid Fund Growth	₹395.415 ↑ 0.06	₹50,121	0.5	1.4	2.9	6.6	7.4	6%	1M 7D	1M 11D
Baroda Pioneer Liquid Fund Growth	₹3,070.57 ↑ 0.44	₹9,502	0.5	1.4	2.9	6.5	7.3	5.96%	1M 7D	1M 7D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Nov 25

Research Highlights & Commentary of 10 Funds showcased

Commentary	Indiabulls Liquid Fund	PGIM India Insta Cash Fund	JM Liquid Fund	Axis Liquid Fund	Tata Liquid Fund	Aditya Birla Sun Life Liquid Fund	Invesco India Liquid Fund	Nippon India Liquid Fund	ICICI Prudential Liquid Fund	Baroda Pioneer Liquid Fund
Point 1	Bottom quartile AUM (₹155 Cr).	Bottom quartile AUM (₹573 Cr).	Bottom quartile AUM (₹1,374 Cr).	Upper mid AUM (₹35,360 Cr).	Upper mid AUM (₹22,366 Cr).	Highest AUM (₹56,938 Cr).	Lower mid AUM (₹16,638 Cr).	Upper mid AUM (₹30,230 Cr).	Top quartile AUM (₹50,121 Cr).	Lower mid AUM (₹9,502 Cr).
Point 2	Established history (14+ yrs).	Established history (18+ yrs).	Oldest track record among peers (27 yrs).	Established history (16+ yrs).	Established history (21+ yrs).	Established history (21+ yrs).	Established history (19+ yrs).	Established history (21+ yrs).	Established history (20+ yrs).	Established history (16+ yrs).
Point 3	Top rated.	Rating: 5★ (top quartile).	Rating: 5★ (upper mid).	Rating: 4★ (upper mid).	Rating: 4★ (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: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 6.66% (top quartile).	1Y return: 6.64% (upper mid).	1Y return: 6.52% (bottom quartile).	1Y return: 6.67% (top quartile).	1Y return: 6.63% (upper mid).	1Y return: 6.62% (upper mid).	1Y return: 6.62% (lower mid).	1Y return: 6.60% (lower mid).	1Y return: 6.59% (bottom quartile).	1Y return: 6.53% (bottom quartile).
Point 6	1M return: 0.49% (top quartile).	1M return: 0.48% (lower mid).	1M return: 0.48% (bottom quartile).	1M return: 0.49% (upper mid).	1M return: 0.49% (upper mid).	1M return: 0.49% (top quartile).	1M return: 0.49% (upper mid).	1M return: 0.49% (lower mid).	1M return: 0.48% (bottom quartile).	1M return: 0.48% (bottom quartile).
Point 7	Sharpe: 2.76 (upper mid).	Sharpe: 2.91 (upper mid).	Sharpe: 2.30 (bottom quartile).	Sharpe: 3.13 (top quartile).	Sharpe: 2.83 (upper mid).	Sharpe: 2.76 (lower mid).	Sharpe: 2.93 (top quartile).	Sharpe: 2.59 (lower mid).	Sharpe: 2.58 (bottom quartile).	Sharpe: 2.37 (bottom quartile).
Point 8	Information ratio: -1.01 (bottom quartile).	Information ratio: -0.36 (lower mid).	Information ratio: -2.00 (bottom quartile).	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: -0.48 (lower mid).	Information ratio: -1.03 (bottom quartile).
Point 9	Yield to maturity (debt): 6.03% (upper mid).	Yield to maturity (debt): 5.95% (bottom quartile).	Yield to maturity (debt): 6.04% (upper mid).	Yield to maturity (debt): 6.00% (lower mid).	Yield to maturity (debt): 6.09% (top quartile).	Yield to maturity (debt): 6.11% (top quartile).	Yield to maturity (debt): 5.95% (bottom quartile).	Yield to maturity (debt): 6.06% (upper mid).	Yield to maturity (debt): 6.00% (lower mid).	Yield to maturity (debt): 5.96% (bottom quartile).
Point 10	Modified duration: 0.11 yrs (lower mid).	Modified duration: 0.09 yrs (top quartile).	Modified duration: 0.10 yrs (upper mid).	Modified duration: 0.10 yrs (top quartile).	Modified duration: 0.17 yrs (bottom quartile).	Modified duration: 0.20 yrs (bottom quartile).	Modified duration: 0.11 yrs (lower mid).	Modified duration: 0.11 yrs (bottom quartile).	Modified duration: 0.10 yrs (upper mid).	Modified duration: 0.10 yrs (upper mid).

Indiabulls Liquid Fund

Bottom quartile AUM (₹155 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.66% (top quartile).
1M return: 0.49% (top quartile).
Sharpe: 2.76 (upper mid).
Information ratio: -1.01 (bottom quartile).
Yield to maturity (debt): 6.03% (upper mid).
Modified duration: 0.11 yrs (lower mid).

PGIM India Insta Cash Fund

Bottom quartile AUM (₹573 Cr).
Established history (18+ yrs).
Rating: 5★ (top quartile).
Risk profile: Low.
1Y return: 6.64% (upper mid).
1M return: 0.48% (lower mid).
Sharpe: 2.91 (upper mid).
Information ratio: -0.36 (lower mid).
Yield to maturity (debt): 5.95% (bottom quartile).
Modified duration: 0.09 yrs (top quartile).

JM Liquid Fund

Bottom quartile AUM (₹1,374 Cr).
Oldest track record among peers (27 yrs).
Rating: 5★ (upper mid).
Risk profile: Low.
1Y return: 6.52% (bottom quartile).
1M return: 0.48% (bottom quartile).
Sharpe: 2.30 (bottom quartile).
Information ratio: -2.00 (bottom quartile).
Yield to maturity (debt): 6.04% (upper mid).
Modified duration: 0.10 yrs (upper mid).

Axis Liquid Fund

Upper mid AUM (₹35,360 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.67% (top quartile).
1M return: 0.49% (upper mid).
Sharpe: 3.13 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.00% (lower mid).
Modified duration: 0.10 yrs (top quartile).

Tata Liquid Fund

Upper mid AUM (₹22,366 Cr).
Established history (21+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.63% (upper mid).
1M return: 0.49% (upper mid).
Sharpe: 2.83 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.09% (top quartile).
Modified duration: 0.17 yrs (bottom quartile).

Aditya Birla Sun Life Liquid Fund

Highest AUM (₹56,938 Cr).
Established history (21+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 6.62% (upper mid).
1M return: 0.49% (top quartile).
Sharpe: 2.76 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.11% (top quartile).
Modified duration: 0.20 yrs (bottom quartile).

Invesco India Liquid Fund

Lower mid AUM (₹16,638 Cr).
Established history (19+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 6.62% (lower mid).
1M return: 0.49% (upper mid).
Sharpe: 2.93 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 5.95% (bottom quartile).
Modified duration: 0.11 yrs (lower mid).

Nippon India Liquid Fund

Upper mid AUM (₹30,230 Cr).
Established history (21+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Low.
1Y return: 6.60% (lower mid).
1M return: 0.49% (lower mid).
Sharpe: 2.59 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.06% (upper mid).
Modified duration: 0.11 yrs (bottom quartile).

ICICI Prudential Liquid Fund

Top quartile AUM (₹50,121 Cr).
Established history (20+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Low.
1Y return: 6.59% (bottom quartile).
1M return: 0.48% (bottom quartile).
Sharpe: 2.58 (bottom quartile).
Information ratio: -0.48 (lower mid).
Yield to maturity (debt): 6.00% (lower mid).
Modified duration: 0.10 yrs (upper mid).

Baroda Pioneer Liquid Fund

Lower mid AUM (₹9,502 Cr).
Established history (16+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Low.
1Y return: 6.53% (bottom quartile).
1M return: 0.48% (bottom quartile).
Sharpe: 2.37 (bottom quartile).
Information ratio: -1.03 (bottom quartile).
Yield to maturity (debt): 5.96% (bottom quartile).
Modified duration: 0.10 yrs (upper mid).

2. SIP ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿ

ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು SIP ಸೂಕ್ತ ಮಾರ್ಗವಾಗಿದೆ. ಅನೇಕ AMCಗಳು ವೀಡಿಯೊ KYC ಯ ಸವಲತ್ತುಗಳನ್ನು ನೀಡುತ್ತವೆ. ಈ ರೀತಿಯಾಗಿ, ನೀವು ಭೇಟಿ ನೀಡದೆಯೇ ಹೂಡಿಕೆಯನ್ನು ಪ್ರಾರಂಭಿಸಬಹುದುಬ್ಯಾಂಕ್. ಅಪ್ಲೋಡ್ ಮಾಡಿಪ್ಯಾನ್ ಕಾರ್ಡ್ ಭಾವಚಿತ್ರ, ಆಧಾರ್ ಕಾರ್ಡ್ ನಕಲು ಮತ್ತು ಅಗತ್ಯ ಅವಶ್ಯಕತೆಗಳನ್ನು ಭರ್ತಿ ಮಾಡಿ.

ಮಾರುಕಟ್ಟೆಯಿಂದ ಕೆಲವು ಉತ್ತಮ ಸುದ್ದಿ

1. L&T ಎರಡು ಹೊಸ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳನ್ನು ಪ್ರಾರಂಭಿಸುತ್ತದೆ

ಲಾರ್ಸೆನ್ & ಟರ್ಬೊ (L&T) ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ನಿಫ್ಟಿ 50 ಮತ್ತು ನಿಫ್ಟಿ ನೆಕ್ಸ್ಟ್ 50 ಎಂಬ ಎರಡು ಹೊಸ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳನ್ನು ಬಿಡುಗಡೆ ಮಾಡಿದೆಸೂಚ್ಯಂಕ ನಿಧಿಗಳು 24ನೇ ಮಾರ್ಚ್ 2020 ರಂದು. ಕಳೆದ ಕೆಲವು ವಾರಗಳಲ್ಲಿ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳ ವಿವಿಧ ಕಾರ್ಯಗಳ ರಿಮೋಟ್ ಪ್ರವೇಶವನ್ನು ಪರೀಕ್ಷಿಸಿದ ನಂತರ ಇದನ್ನು ಮಾಡಲಾಗಿದೆಕೊರೊನಾವೈರಸ್- ಷೇರು ಮಾರುಕಟ್ಟೆಯ ದೈನಂದಿನ ಕಾರ್ಯಾಚರಣೆಗಳಿಗೆ ಅಡ್ಡಿಪಡಿಸುತ್ತದೆ. ತಮ್ಮ ಹೆಚ್ಚಿನ ಉದ್ಯೋಗಿಗಳು ಮನೆಯಿಂದಲೇ ಕೆಲಸ ಮಾಡುತ್ತಿದ್ದರೂ ಅವರು ಈ ಕ್ರಮ ಕೈಗೊಂಡಿದ್ದಾರೆ.

2. ಬಳಕೆ ಉದ್ಯಮವು ಬಾಧಿತವಾಗದಂತೆ ಉಳಿಯುತ್ತದೆ

ತಜ್ಞರ ಪ್ರಕಾರ, ಲಾಕ್‌ಡೌನ್‌ನಿಂದ ಬಳಕೆಯ ಉದ್ಯಮವು ಪರಿಣಾಮ ಬೀರುವುದಿಲ್ಲ ಏಕೆಂದರೆ ಗ್ರಾಹಕರು ಬಳಕೆಗಾಗಿ ಸರಕು ಮತ್ತು ಸೇವೆಗಳನ್ನು ಖರೀದಿಸುವುದನ್ನು ಮುಂದುವರಿಸುತ್ತಾರೆ. ಅನೇಕರು ತಮ್ಮ ದೈನಂದಿನ ಅಗತ್ಯಗಳನ್ನು ಪೂರೈಸಲು ಸರಕುಗಳನ್ನು ಕೂಡ ಸಂಗ್ರಹಿಸುತ್ತಿದ್ದಾರೆ. ಲಾಕ್‌ಡೌನ್ ಸಮಯದಲ್ಲಿ ಉದ್ಯಮವು ಸ್ಥಿರವಾಗಿರಲು ಇದು ಸಹಾಯ ಮಾಡುತ್ತದೆ.

2022 - 2023 ರಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಉತ್ತಮ SIP ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
ICICI Prudential Infrastructure Fund Growth	₹196.15 ↓ -0.78	₹8,232	100	1.1	2.2	6.9	25.4	33.3	27.4
HDFC Infrastructure Fund Growth	₹47.851 ↓ -0.23	₹2,586	300	0.5	1.3	4.9	25.8	31.2	23
SBI PSU Fund Growth	₹33.4458 ↓ -0.30	₹5,714	500	7.6	5	7.5	27.6	30.6	23.5
DSP India T.I.G.E.R Fund Growth	₹313.945 ↓ -2.65	₹5,506	500	0	2.9	-0.7	24.6	29.3	32.4
Bandhan Infrastructure Fund Growth	₹48.675 ↓ -0.39	₹1,625	100	-2.1	-3	-2.2	24.9	29.2	39.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Nov 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Infrastructure Fund	HDFC Infrastructure Fund	SBI PSU Fund	DSP India T.I.G.E.R Fund	Bandhan Infrastructure Fund
Point 1	Highest AUM (₹8,232 Cr).	Bottom quartile AUM (₹2,586 Cr).	Upper mid AUM (₹5,714 Cr).	Lower mid AUM (₹5,506 Cr).	Bottom quartile AUM (₹1,625 Cr).
Point 2	Established history (20+ yrs).	Established history (17+ yrs).	Established history (15+ yrs).	Oldest track record among peers (21 yrs).	Established history (14+ yrs).
Point 3	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 2★ (bottom quartile).	Rating: 4★ (upper mid).	Top rated.
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 33.31% (top quartile).	5Y return: 31.21% (upper mid).	5Y return: 30.55% (lower mid).	5Y return: 29.27% (bottom quartile).	5Y return: 29.24% (bottom quartile).
Point 6	3Y return: 25.37% (lower mid).	3Y return: 25.80% (upper mid).	3Y return: 27.55% (top quartile).	3Y return: 24.65% (bottom quartile).	3Y return: 24.85% (bottom quartile).
Point 7	1Y return: 6.92% (upper mid).	1Y return: 4.89% (lower mid).	1Y return: 7.52% (top quartile).	1Y return: -0.65% (bottom quartile).	1Y return: -2.25% (bottom quartile).
Point 8	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: -0.58 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).
Point 9	Sharpe: 0.00 (upper mid).	Sharpe: -0.15 (lower mid).	Sharpe: 0.09 (top quartile).	Sharpe: -0.33 (bottom quartile).	Sharpe: -0.31 (bottom quartile).
Point 10	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: -0.57 (bottom quartile).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).

ICICI Prudential Infrastructure Fund

Highest AUM (₹8,232 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 33.31% (top quartile).
3Y return: 25.37% (lower mid).
1Y return: 6.92% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 0.00 (upper mid).
Information ratio: 0.00 (top quartile).

HDFC Infrastructure Fund

Bottom quartile AUM (₹2,586 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 31.21% (upper mid).
3Y return: 25.80% (upper mid).
1Y return: 4.89% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.15 (lower mid).
Information ratio: 0.00 (upper mid).

SBI PSU Fund

Upper mid AUM (₹5,714 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 30.55% (lower mid).
3Y return: 27.55% (top quartile).
1Y return: 7.52% (top quartile).
Alpha: -0.58 (bottom quartile).
Sharpe: 0.09 (top quartile).
Information ratio: -0.57 (bottom quartile).

DSP India T.I.G.E.R Fund

Lower mid AUM (₹5,506 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 29.27% (bottom quartile).
3Y return: 24.65% (bottom quartile).
1Y return: -0.65% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.33 (bottom quartile).
Information ratio: 0.00 (lower mid).

Bandhan Infrastructure Fund

Bottom quartile AUM (₹1,625 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: High.
5Y return: 29.24% (bottom quartile).
3Y return: 24.85% (bottom quartile).
1Y return: -2.25% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.31 (bottom quartile).
Information ratio: 0.00 (bottom quartile).

*ಪಟ್ಟಿಅತ್ಯುತ್ತಮ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು SIP ನಿವ್ವಳ ಸ್ವತ್ತುಗಳನ್ನು ಹೊಂದಿದೆ/ AUM ಗಿಂತ ಹೆಚ್ಚು200 ಕೋಟಿ 5 ವರ್ಷಗಳ ಆಧಾರದ ಮೇಲೆ ಆದೇಶಿಸಿದ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳ ಇಕ್ವಿಟಿ ವರ್ಗದಲ್ಲಿಸಿಎಜಿಆರ್ ಹಿಂದಿರುಗಿಸುತ್ತದೆ.

1. ICICI Prudential Infrastructure Fund

To generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure development and balance in debt securities and money market instruments.

Research Highlights for ICICI Prudential Infrastructure Fund

Highest AUM (₹8,232 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 33.31% (top quartile).
3Y return: 25.37% (lower mid).
1Y return: 6.92% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 0.00 (upper mid).
Information ratio: 0.00 (top quartile).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding Larsen & Toubro Ltd (~9.0%).

Below is the key information for ICICI Prudential Infrastructure Fund

ICICI Prudential Infrastructure Fund Growth
Launch Date	31 Aug 05
NAV (24 Nov 25)	₹196.15 ↓ -0.78 (-0.40 %)
Net Assets (Cr)	₹8,232 on 31 Oct 25
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0
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
31 Oct 20	₹10,000
31 Oct 21	₹19,902
31 Oct 22	₹23,709
31 Oct 23	₹30,130
31 Oct 24	₹47,075
31 Oct 25	₹49,413

ICICI Prudential Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹689,048.
Net Profit of ₹389,048 Invest Now

Returns for ICICI Prudential 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 24 Nov 25

Duration	Returns
1 Month	-1.8%
3 Month	1.1%
6 Month	2.2%
1 Year	6.9%
3 Year	25.4%
5 Year	33.3%
10 Year
15 Year
Since launch	15.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	27.4%
2023	44.6%
2022	28.8%
2021	50.1%
2020	3.6%
2019	2.6%
2018	-14%
2017	40.8%
2016	2%
2015	-3.4%

Fund Manager information for ICICI Prudential Infrastructure Fund

Name	Since	Tenure
Ihab Dalwai	3 Jun 17	8.42 Yr.
Sharmila D’mello	30 Jun 22	3.34 Yr.

Data below for ICICI Prudential Infrastructure Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Industrials	38.24%
Financial Services	14.97%
Basic Materials	12.93%
Energy	10.52%
Utility	10.49%
Real Estate	2.69%
Consumer Cyclical	1.96%
Communication Services	1.25%

Asset Allocation

Asset Class	Value
Cash	5.98%
Equity	93.94%
Debt	0.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 09 \| LT	9%	₹743 Cr	1,843,204
NTPC Ltd (Utilities) Equity, Since 29 Feb 16 \| 532555	4%	₹370 Cr	10,976,448 ↑ 646,975
NCC Ltd (Industrials) Equity, Since 31 Aug 21 \| NCC	3%	₹277 Cr	13,053,905
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 May 24 \| ADANIPORTS	3%	₹269 Cr	1,854,934
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 23 \| RELIANCE	3%	₹265 Cr	1,779,725 ↓ -250,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Dec 20 \| 532215	3%	₹246 Cr	1,996,057
Vedanta Ltd (Basic Materials) Equity, Since 31 Jul 24 \| 500295	3%	₹232 Cr	4,700,000 ↓ -1,579,591
AIA Engineering Ltd (Industrials) Equity, Since 28 Feb 21 \| AIAENG	3%	₹228 Cr	701,953 ↑ 41,183
Kalpataru Projects International Ltd (Industrials) Equity, Since 30 Sep 06 \| KPIL	3%	₹227 Cr	1,803,566
IndusInd Bank Ltd (Financial Services) Equity, Since 31 Oct 24 \| INDUSINDBK	2%	₹193 Cr	2,424,016 ↑ 450,000

2. HDFC Infrastructure Fund

To seek long-term capital appreciation by investing predominantly in equity and equity related securities of companies engaged in or expected to benefit from growth and development of infrastructure.

Research Highlights for HDFC Infrastructure Fund

Bottom quartile AUM (₹2,586 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 31.21% (upper mid).
3Y return: 25.80% (upper mid).
1Y return: 4.89% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.15 (lower mid).
Information ratio: 0.00 (upper mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~93%).
Largest holding Larsen & Toubro Ltd (~5.9%).

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund Growth
Launch Date	10 Mar 08
NAV (24 Nov 25)	₹47.851 ↓ -0.23 (-0.48 %)
Net Assets (Cr)	₹2,586 on 31 Oct 25
Category	Equity - Sectoral
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	2.06
Sharpe Ratio	-0.15
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹19,027
31 Oct 22	₹21,626
31 Oct 23	₹29,679
31 Oct 24	₹44,661
31 Oct 25	₹45,504

HDFC Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹657,502.
Net Profit of ₹357,502 Invest Now

Returns for HDFC 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 24 Nov 25

Duration	Returns
1 Month	-0.9%
3 Month	0.5%
6 Month	1.3%
1 Year	4.9%
3 Year	25.8%
5 Year	31.2%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23%
2023	55.4%
2022	19.3%
2021	43.2%
2020	-7.5%
2019	-3.4%
2018	-29%
2017	43.3%
2016	-1.9%
2015	-2.5%

Fund Manager information for HDFC Infrastructure Fund

Name	Since	Tenure
Dhruv Muchhal	22 Jun 23	2.36 Yr.
Ashish Shah	1 Nov 25	0 Yr.

Data below for HDFC Infrastructure Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Industrials	39.38%
Financial Services	19.46%
Basic Materials	10.52%
Utility	6.92%
Energy	6.63%
Communication Services	3.84%
Real Estate	2.42%
Health Care	1.78%
Technology	1.47%
Consumer Cyclical	0.55%

Asset Allocation

Asset Class	Value
Cash	7.03%
Equity	92.97%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 12 \| LT	6%	₹153 Cr	380,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	6%	₹148 Cr	1,100,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Aug 23 \| HDFCBANK	5%	₹138 Cr	1,400,000
Kalpataru Projects International Ltd (Industrials) Equity, Since 31 Jan 23 \| KPIL	4%	₹95 Cr	758,285
J Kumar Infraprojects Ltd (Industrials) Equity, Since 31 Oct 15 \| JKIL	4%	₹92 Cr	1,400,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Dec 21 \| INDIGO	3%	₹84 Cr	150,000
Reliance Industries Ltd (Energy) Equity, Since 31 May 24 \| RELIANCE	3%	₹74 Cr	500,000
NTPC Ltd (Utilities) Equity, Since 31 Dec 17 \| 532555	3%	₹74 Cr	2,200,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 20 \| BHARTIARTL	3%	₹72 Cr	350,000
State Bank of India (Financial Services) Equity, Since 31 Mar 08 \| SBIN	3%	₹66 Cr	704,361

3. SBI PSU Fund

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

Research Highlights for SBI PSU Fund

Upper mid AUM (₹5,714 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 30.55% (lower mid).
3Y return: 27.55% (top quartile).
1Y return: 7.52% (top quartile).
Alpha: -0.58 (bottom quartile).
Sharpe: 0.09 (top quartile).
Information ratio: -0.57 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~16.3%).

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (24 Nov 25)	₹33.4458 ↓ -0.30 (-0.90 %)
Net Assets (Cr)	₹5,714 on 31 Oct 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0.09
Information Ratio	-0.57
Alpha Ratio	-0.58
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 Oct 20	₹10,000
31 Oct 21	₹16,381
31 Oct 22	₹19,173
31 Oct 23	₹24,318
31 Oct 24	₹40,047
31 Oct 25	₹42,467

SBI PSU Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹642,208.
Net Profit of ₹342,208 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 24 Nov 25

Duration	Returns
1 Month	1.2%
3 Month	7.6%
6 Month	5%
1 Year	7.5%
3 Year	27.6%
5 Year	30.6%
10 Year
15 Year
Since launch	8.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23.5%
2023	54%
2022	29%
2021	32.4%
2020	-10%
2019	6%
2018	-23.8%
2017	21.9%
2016	16.2%
2015	-11.1%

Fund Manager information for SBI PSU Fund

Name	Since	Tenure
Rohit Shimpi	1 Jun 24	1.42 Yr.

Data below for SBI PSU Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Financial Services	37.03%
Utility	29.3%
Energy	13.78%
Industrials	12.67%
Basic Materials	5.75%

Asset Allocation

Asset Class	Value
Cash	1.48%
Equity	98.52%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	16%	₹930 Cr	9,927,500
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	10%	₹553 Cr	12,975,000
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| 532555	9%	₹490 Cr	14,543,244
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| 532898	8%	₹476 Cr	16,535,554
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| 532155	8%	₹471 Cr	25,750,000
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| 500547	6%	₹346 Cr	9,700,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| 532134	5%	₹306 Cr	11,000,000
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| 526371	4%	₹211 Cr	27,900,000
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| 532814	4%	₹208 Cr	2,427,235
Oil India Ltd (Energy) Equity, Since 31 Mar 24 \| OIL	3%	₹167 Cr	3,850,000

4. DSP India T.I.G.E.R Fund

To generate capital appreciation, from a portfolio that is substantially constituted of equity securities and equity related securities of corporates, which could benefit from structural changes brought about by continuing liberalization in economic policies by the government and/or continuing investments in infrastructure, both by the public and private sector.

Research Highlights for DSP India T.I.G.E.R Fund

Lower mid AUM (₹5,506 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 29.27% (bottom quartile).
3Y return: 24.65% (bottom quartile).
1Y return: -0.65% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.33 (bottom quartile).
Information ratio: 0.00 (lower mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding Larsen & Toubro Ltd (~5.1%).

Below is the key information for DSP India T.I.G.E.R Fund

DSP India T.I.G.E.R Fund Growth
Launch Date	11 Jun 04
NAV (24 Nov 25)	₹313.945 ↓ -2.65 (-0.84 %)
Net Assets (Cr)	₹5,506 on 31 Oct 25
Category	Equity - Sectoral
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.33
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 Oct 20	₹10,000
31 Oct 21	₹18,690
31 Oct 22	₹20,934
31 Oct 23	₹26,634
31 Oct 24	₹43,153
31 Oct 25	₹41,884

DSP India T.I.G.E.R Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹627,226.
Net Profit of ₹327,226 Invest Now

Returns for DSP India T.I.G.E.R Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Nov 25

Duration	Returns
1 Month	-0.8%
3 Month	0%
6 Month	2.9%
1 Year	-0.7%
3 Year	24.6%
5 Year	29.3%
10 Year
15 Year
Since launch	17.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	32.4%
2023	49%
2022	13.9%
2021	51.6%
2020	2.7%
2019	6.7%
2018	-17.2%
2017	47%
2016	4.1%
2015	0.7%

Fund Manager information for DSP India T.I.G.E.R Fund

Name	Since	Tenure
Rohit Singhania	21 Jun 10	15.38 Yr.

Data below for DSP India T.I.G.E.R Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Industrials	29.81%
Basic Materials	14.24%
Utility	10.39%
Financial Services	10.27%
Consumer Cyclical	8.92%
Energy	7.04%
Health Care	5.63%
Communication Services	2.93%
Technology	2.07%
Real Estate	1.62%
Consumer Defensive	1.2%

Asset Allocation

Asset Class	Value
Cash	5.41%
Equity	94.59%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 04 \| LT	5%	₹281 Cr	697,669
NTPC Ltd (Utilities) Equity, Since 30 Nov 17 \| 532555	4%	₹241 Cr	7,145,883
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 31 Dec 24 \| APOLLOHOSP	3%	₹189 Cr	245,928
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jan 25 \| 532898	3%	₹160 Cr	5,567,574
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Dec 24 \| AMBER	3%	₹159 Cr	197,265
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 18 \| BHARTIARTL	3%	₹155 Cr	756,154 ↑ 67,719
Kirloskar Oil Engines Ltd (Industrials) Equity, Since 31 Mar 23 \| KIRLOSENG	3%	₹141 Cr	1,412,412
Coal India Ltd (Energy) Equity, Since 31 Dec 23 \| COALINDIA	2%	₹129 Cr	3,321,453
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 31 May 25 \| MCX	2%	₹126 Cr	136,165 ↓ -28,039
Rainbow Childrens Medicare Ltd (Healthcare) Equity, Since 31 Jan 25 \| 543524	2%	₹121 Cr	885,167

5. 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 (₹1,625 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: High.
5Y return: 29.24% (bottom quartile).
3Y return: 24.85% (bottom quartile).
1Y return: -2.25% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.31 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding Larsen & Toubro Ltd (~5.1%).

Below is the key information for Bandhan Infrastructure Fund

Bandhan Infrastructure Fund Growth
Launch Date	8 Mar 11
NAV (24 Nov 25)	₹48.675 ↓ -0.39 (-0.78 %)
Net Assets (Cr)	₹1,625 on 31 Oct 25
Category	Equity - Sectoral
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	2.1
Sharpe Ratio	-0.31
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 Oct 20	₹10,000
31 Oct 21	₹20,050
31 Oct 22	₹20,377
31 Oct 23	₹26,163
31 Oct 24	₹43,146
31 Oct 25	₹41,438

Bandhan Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹627,226.
Net Profit of ₹327,226 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 24 Nov 25

Duration	Returns
1 Month	-2.8%
3 Month	-2.1%
6 Month	-3%
1 Year	-2.2%
3 Year	24.9%
5 Year	29.2%
10 Year
15 Year
Since launch	11.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	39.3%
2023	50.3%
2022	1.7%
2021	64.8%
2020	6.3%
2019	-5.3%
2018	-25.9%
2017	58.7%
2016	10.7%
2015	-0.2%

Fund Manager information for Bandhan Infrastructure Fund

Name	Since	Tenure
Vishal Biraia	24 Jan 24	1.77 Yr.
Ritika Behera	7 Oct 23	2.07 Yr.
Gaurav Satra	7 Jun 24	1.4 Yr.

Data below for Bandhan Infrastructure Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Industrials	53.35%
Utility	12.64%
Basic Materials	8.05%
Communication Services	4.41%
Energy	4.1%
Technology	3.65%
Financial Services	2.97%
Health Care	2.22%
Real Estate	1.44%
Consumer Cyclical	1.17%

Asset Allocation

Asset Class	Value
Cash	6.01%
Equity	93.99%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 29 Feb 12 \| LT	5%	₹82 Cr	204,050 ↓ -2,212
Kirloskar Brothers Ltd (Industrials) Equity, Since 31 Dec 17 \| KIRLOSBROS	5%	₹80 Cr	426,772 ↓ -6,414
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 19 \| BHARTIARTL	4%	₹72 Cr	348,551 ↓ -3,779
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 24 \| RELIANCE	4%	₹67 Cr	447,851 ↓ -4,855
Bharat Electronics Ltd (Industrials) Equity, Since 31 Oct 19 \| BEL	4%	₹60 Cr	1,416,343 ↓ -15,357
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Mar 14 \| 532538	4%	₹59 Cr	49,239 ↓ -533
GPT Infraprojects Ltd (Industrials) Equity, Since 30 Nov 17 \| GPTINFRA	3%	₹51 Cr	4,733,244
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Aug 24 \| INDIGO	3%	₹47 Cr	82,988 ↓ -899
PTC India Financial Services Ltd (Financial Services) Equity, Since 31 Dec 23 \| PFS	3%	₹45 Cr	12,400,122
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 Dec 23 \| ADANIPORTS	3%	₹44 Cr	303,494 ↓ -3,290

ತೀರ್ಮಾನ

ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಇದು ಉತ್ತಮ ಸಮಯವಾಗಿದೆ ಏಕೆಂದರೆ ನೀವು ಅದನ್ನು ಕಡಿಮೆ ಬೆಲೆಯಲ್ಲಿ ಖರೀದಿಸಲು ಸಾಧ್ಯವಾಗುತ್ತದೆ. ತಜ್ಞರ ಪ್ರಕಾರ ಸ್ವಲ್ಪ ಸಮಯದ ನಂತರ ಮಾರುಕಟ್ಟೆಗಳು ಸಹಜ ಸ್ಥಿತಿಗೆ ಮರಳುತ್ತವೆ.

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.