3 വർഷത്തെ നിക്ഷേപത്തിനായുള്ള മികച്ച SIP പ്ലാനുകൾ 2022

Updated on December 20, 2025 , 91707 views

മികച്ച SIP പ്ലാനുകൾ? അവരെ എങ്ങനെ തിരഞ്ഞെടുക്കാം? ചിന്തിക്കുമ്പോൾ നിക്ഷേപകരുടെ മനസ്സിൽ ഉണ്ടാകുന്ന പൊതുവായ ചില ചോദ്യങ്ങളാണിത്മ്യൂച്വൽ ഫണ്ടുകളിൽ നിക്ഷേപിക്കുന്നു എ വഴിഎസ്.ഐ.പി അല്ലെങ്കിൽ വ്യവസ്ഥാപിതംനിക്ഷേപ പദ്ധതി.SIP നിക്ഷേപം ഏറ്റവും അച്ചടക്കമുള്ള ഒന്നാണ്നിക്ഷേപിക്കുന്നു നിക്ഷേപം നടത്തുമ്പോൾ ഓപ്ഷനുകൾമ്യൂച്വൽ ഫണ്ടുകൾ. മാത്രമല്ല, ഒരു SIP മ്യൂച്വൽ ഫണ്ടിൽ നിക്ഷേപിക്കുന്നതിനുള്ള ഏറ്റവും കുറഞ്ഞ തുക 500 രൂപയിൽ താഴെയാണ്. ഇത് നിക്ഷേപം നടത്തുന്നുടോപ്പ് SIP വളരെ സൗകര്യപ്രദമായ പദ്ധതികൾ.

മ്യൂച്വൽ ഫണ്ട് SIP ഓൺലൈനിൽ എങ്ങനെ നിക്ഷേപിക്കാം?

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FY 22 - 23 ലെ 3 വർഷത്തെ നിക്ഷേപത്തിനുള്ള മികച്ച SIP പ്ലാനുകൾ

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Invesco India Growth Opportunities Fund Growth	₹101.33 ↑ 0.18	₹9,406	-1.8	2.8	5.1	24.1	20.7	37.5
Bandhan Core Equity Fund Growth	₹139.9 ↑ 0.86	₹12,784	2.4	6.7	8.2	23.9	22.9	28.8
UTI Core Equity Fund Growth	₹188.04 ↑ 1.45	₹5,498	4.5	5.6	7.7	22.6	23	27.2
Motilal Oswal Multicap 35 Fund Growth	₹61.4795 ↑ 0.38	₹14,312	-3.2	1	-2	22.3	16.4	45.7
Nippon India Multi Cap Fund Growth	₹301.062 ↑ 2.14	₹50,048	-1.3	1.9	4.2	22.3	26.3	25.8
Nippon India Value Fund Growth	₹232.287 ↑ 1.39	₹9,246	1.9	3.8	4.8	22.2	22.6	22.3
IDBI India Top 100 Equity Fund Growth	₹44.16 ↑ 0.05	₹655	9.2	12.5	15.4	21.9	12.6
HDFC Equity Fund Growth	₹2,068.81 ↑ 10.75	₹94,069	1.3	5	11.7	21.7	24.7	23.5
JM Value Fund Growth	₹96.7552 ↑ 1.08	₹987	-2.1	0.4	-3.5	21.4	21.6	25.1
ICICI Prudential Large & Mid Cap Fund Growth	₹1,048.29 ↑ 7.20	₹26,939	2.6	5.9	13.6	21.3	23.9	20.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Dec 25

Research Highlights & Commentary of 10 Funds showcased

Commentary	Invesco India Growth Opportunities Fund	Bandhan Core Equity Fund	UTI Core Equity Fund	Motilal Oswal Multicap 35 Fund	Nippon India Multi Cap Fund	Nippon India Value Fund	IDBI India Top 100 Equity Fund	HDFC Equity Fund	JM Value Fund	ICICI Prudential Large & Mid Cap Fund
Point 1	Lower mid AUM (₹9,406 Cr).	Upper mid AUM (₹12,784 Cr).	Bottom quartile AUM (₹5,498 Cr).	Upper mid AUM (₹14,312 Cr).	Top quartile AUM (₹50,048 Cr).	Lower mid AUM (₹9,246 Cr).	Bottom quartile AUM (₹655 Cr).	Highest AUM (₹94,069 Cr).	Bottom quartile AUM (₹987 Cr).	Upper mid AUM (₹26,939 Cr).
Point 2	Established history (18+ yrs).	Established history (20+ yrs).	Established history (16+ yrs).	Established history (11+ yrs).	Established history (20+ yrs).	Established history (20+ yrs).	Established history (13+ yrs).	Oldest track record among peers (30 yrs).	Established history (28+ yrs).	Established history (27+ yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 3★ (upper mid).	Rating: 5★ (top quartile).	Rating: 2★ (bottom quartile).	Not Rated.	Rating: 3★ (lower mid).	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.
Point 5	5Y return: 20.73% (bottom quartile).	5Y return: 22.91% (upper mid).	5Y return: 23.00% (upper mid).	5Y return: 16.38% (bottom quartile).	5Y return: 26.34% (top quartile).	5Y return: 22.59% (lower mid).	5Y return: 12.61% (bottom quartile).	5Y return: 24.65% (top quartile).	5Y return: 21.55% (lower mid).	5Y return: 23.94% (upper mid).
Point 6	3Y return: 24.12% (top quartile).	3Y return: 23.85% (top quartile).	3Y return: 22.64% (upper mid).	3Y return: 22.32% (upper mid).	3Y return: 22.27% (upper mid).	3Y return: 22.22% (lower mid).	3Y return: 21.88% (lower mid).	3Y return: 21.72% (bottom quartile).	3Y return: 21.45% (bottom quartile).	3Y return: 21.32% (bottom quartile).
Point 7	1Y return: 5.07% (lower mid).	1Y return: 8.15% (upper mid).	1Y return: 7.73% (upper mid).	1Y return: -2.03% (bottom quartile).	1Y return: 4.17% (bottom quartile).	1Y return: 4.79% (lower mid).	1Y return: 15.39% (top quartile).	1Y return: 11.67% (upper mid).	1Y return: -3.55% (bottom quartile).	1Y return: 13.61% (top quartile).
Point 8	Alpha: 2.54 (upper mid).	Alpha: 0.27 (upper mid).	Alpha: -1.49 (bottom quartile).	Alpha: -5.55 (bottom quartile).	Alpha: -0.86 (lower mid).	Alpha: -1.42 (lower mid).	Alpha: 2.11 (upper mid).	Alpha: 3.46 (top quartile).	Alpha: -9.62 (bottom quartile).	Alpha: 3.94 (top quartile).
Point 9	Sharpe: 0.31 (upper mid).	Sharpe: 0.20 (upper mid).	Sharpe: 0.08 (lower mid).	Sharpe: -0.21 (bottom quartile).	Sharpe: -0.06 (bottom quartile).	Sharpe: -0.01 (lower mid).	Sharpe: 1.09 (top quartile).	Sharpe: 0.42 (upper mid).	Sharpe: -0.49 (bottom quartile).	Sharpe: 0.51 (top quartile).
Point 10	Information ratio: 0.98 (upper mid).	Information ratio: 1.33 (top quartile).	Information ratio: 0.79 (upper mid).	Information ratio: 0.66 (bottom quartile).	Information ratio: 0.71 (lower mid).	Information ratio: 1.63 (top quartile).	Information ratio: 0.14 (bottom quartile).	Information ratio: 1.30 (upper mid).	Information ratio: 0.70 (lower mid).	Information ratio: 0.46 (bottom quartile).

Invesco India Growth Opportunities Fund

Lower mid AUM (₹9,406 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 20.73% (bottom quartile).
3Y return: 24.12% (top quartile).
1Y return: 5.07% (lower mid).
Alpha: 2.54 (upper mid).
Sharpe: 0.31 (upper mid).
Information ratio: 0.98 (upper mid).

Bandhan Core Equity Fund

Upper mid AUM (₹12,784 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 22.91% (upper mid).
3Y return: 23.85% (top quartile).
1Y return: 8.15% (upper mid).
Alpha: 0.27 (upper mid).
Sharpe: 0.20 (upper mid).
Information ratio: 1.33 (top quartile).

UTI Core Equity Fund

Bottom quartile AUM (₹5,498 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 23.00% (upper mid).
3Y return: 22.64% (upper mid).
1Y return: 7.73% (upper mid).
Alpha: -1.49 (bottom quartile).
Sharpe: 0.08 (lower mid).
Information ratio: 0.79 (upper mid).

Motilal Oswal Multicap 35 Fund

Upper mid AUM (₹14,312 Cr).
Established history (11+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderately High.
5Y return: 16.38% (bottom quartile).
3Y return: 22.32% (upper mid).
1Y return: -2.03% (bottom quartile).
Alpha: -5.55 (bottom quartile).
Sharpe: -0.21 (bottom quartile).
Information ratio: 0.66 (bottom quartile).

Nippon India Multi Cap Fund

Top quartile AUM (₹50,048 Cr).
Established history (20+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 26.34% (top quartile).
3Y return: 22.27% (upper mid).
1Y return: 4.17% (bottom quartile).
Alpha: -0.86 (lower mid).
Sharpe: -0.06 (bottom quartile).
Information ratio: 0.71 (lower mid).

Nippon India Value Fund

Lower mid AUM (₹9,246 Cr).
Established history (20+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 22.59% (lower mid).
3Y return: 22.22% (lower mid).
1Y return: 4.79% (lower mid).
Alpha: -1.42 (lower mid).
Sharpe: -0.01 (lower mid).
Information ratio: 1.63 (top quartile).

IDBI India Top 100 Equity Fund

Bottom quartile AUM (₹655 Cr).
Established history (13+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 12.61% (bottom quartile).
3Y return: 21.88% (lower mid).
1Y return: 15.39% (top quartile).
Alpha: 2.11 (upper mid).
Sharpe: 1.09 (top quartile).
Information ratio: 0.14 (bottom quartile).

HDFC Equity Fund

Highest AUM (₹94,069 Cr).
Oldest track record among peers (30 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 24.65% (top quartile).
3Y return: 21.72% (bottom quartile).
1Y return: 11.67% (upper mid).
Alpha: 3.46 (top quartile).
Sharpe: 0.42 (upper mid).
Information ratio: 1.30 (upper mid).

JM Value Fund

Bottom quartile AUM (₹987 Cr).
Established history (28+ yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 21.55% (lower mid).
3Y return: 21.45% (bottom quartile).
1Y return: -3.55% (bottom quartile).
Alpha: -9.62 (bottom quartile).
Sharpe: -0.49 (bottom quartile).
Information ratio: 0.70 (lower mid).

ICICI Prudential Large & Mid Cap Fund

Upper mid AUM (₹26,939 Cr).
Established history (27+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 23.94% (upper mid).
3Y return: 21.32% (bottom quartile).
1Y return: 13.61% (top quartile).
Alpha: 3.94 (top quartile).
Sharpe: 0.51 (top quartile).
Information ratio: 0.46 (bottom quartile).

*താഴെയുള്ള ഫണ്ടുകൾ മികച്ചതായി പരിഗണിക്കുന്നുസിഎജിആർ 3 വർഷത്തിലേറെയായി റിട്ടേണുകളും കുറഞ്ഞത് ഫണ്ട് ഉണ്ട്വിപണി 1 വർഷത്തെ ചരിത്രം (ഫണ്ട് പ്രായം) കൂടാതെ 3 വർഷത്തെ ഫണ്ടാണെങ്കിൽ മാനേജ്‌മെന്റിന് കീഴിൽ കുറഞ്ഞത് 500 കോടി ആസ്തി ഉണ്ടായിരിക്കണം. മൾട്ടി ക്യാപ്, ലാർജ് ക്യാപ്, ലാർജ് & എന്നിവയിൽ നിന്നുള്ളവയാണ് നിർദ്ദേശിച്ചിരിക്കുന്നത്മിഡ് ക്യാപ് മൂല്യ ഉപവിഭാഗങ്ങളും.

1. Invesco India Growth Opportunities Fund

(Erstwhile Invesco India Growth Fund)

The investment objective of the Scheme is to generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities. However, there can be no assurance that the objectives of the scheme will be achieved.

Research Highlights for Invesco India Growth Opportunities Fund

Lower mid AUM (₹9,406 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 20.73% (bottom quartile).
3Y return: 24.12% (top quartile).
1Y return: 5.07% (lower mid).
Alpha: 2.54 (upper mid).
Sharpe: 0.31 (upper mid).
Information ratio: 0.98 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding Max Healthcare Institute Ltd Ordinary Shares (~5.7%).

Below is the key information for Invesco India Growth Opportunities Fund

Invesco India Growth Opportunities Fund Growth
Launch Date	9 Aug 07
NAV (22 Dec 25)	₹101.33 ↑ 0.18 (0.18 %)
Net Assets (Cr)	₹9,406 on 30 Nov 25
Category	Equity - Large & Mid Cap
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.82
Sharpe Ratio	0.31
Information Ratio	0.98
Alpha Ratio	2.54
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
30 Nov 20	₹10,000
30 Nov 21	₹13,343
30 Nov 22	₹14,250
30 Nov 23	₹17,168
30 Nov 24	₹24,466
30 Nov 25	₹27,051

Invesco India Growth 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 Invesco India Growth 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 22 Dec 25

Duration	Returns
1 Month	-1.1%
3 Month	-1.8%
6 Month	2.8%
1 Year	5.1%
3 Year	24.1%
5 Year	20.7%
10 Year
15 Year
Since launch	13.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	37.5%
2023	31.6%
2022	-0.4%
2021	29.7%
2020	13.3%
2019	10.7%
2018	-0.2%
2017	39.6%
2016	3.3%
2015	3.8%

Fund Manager information for Invesco India Growth Opportunities Fund

Name	Since	Tenure
Aditya Khemani	9 Nov 23	2.06 Yr.
Amit Ganatra	21 Jan 22	3.86 Yr.

Data below for Invesco India Growth Opportunities Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	30.26%
Consumer Cyclical	20.42%
Health Care	18.7%
Industrials	11.16%
Real Estate	7.19%
Technology	6.01%
Basic Materials	3.15%
Communication Services	1.61%

Asset Allocation

Asset Class	Value
Cash	1.48%
Equity	98.5%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Max Healthcare Institute Ltd Ordinary Shares (Healthcare) Equity, Since 30 Nov 22 \| MAXHEALTH	6%	₹535 Cr	4,598,460 ↑ 372,528
Eternal Ltd (Consumer Cyclical) Equity, Since 30 Jun 23 \| 543320	5%	₹494 Cr	16,475,309 ↑ 2,786,008
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Mar 24 \| INDIGO	5%	₹471 Cr	797,566 ↑ 21,130
BSE Ltd (Financial Services) Equity, Since 31 Oct 23 \| BSE	5%	₹459 Cr	1,580,775
Cholamandalam Investment and Finance Co Ltd (Financial Services) Equity, Since 28 Feb 23 \| CHOLAFIN	5%	₹425 Cr	2,449,413
L&T Finance Ltd (Financial Services) Equity, Since 30 Apr 24 \| LTF	4%	₹419 Cr	13,404,597
Trent Ltd (Consumer Cyclical) Equity, Since 28 Feb 22 \| TRENT	4%	₹418 Cr	983,522 ↑ 44,558
Swiggy Ltd (Consumer Cyclical) Equity, Since 30 Nov 24 \| SWIGGY	4%	₹403 Cr	10,648,849 ↑ 277,572
Sai Life Sciences Ltd (Healthcare) Equity, Since 31 Dec 24 \| SAILIFE	4%	₹379 Cr	4,283,799
Prestige Estates Projects Ltd (Real Estate) Equity, Since 31 Dec 23 \| PRESTIGE	4%	₹347 Cr	2,070,930

2. Bandhan Core Equity Fund

(Erstwhile IDFC Classic Equity Fund)

The investment objective of the Scheme is to seek to generate long term capital growth from a diversified portfolio of predominantly equity and equity related instruments. However, there is no assurance or guarantee that the objectives of the scheme will be realized.

Research Highlights for Bandhan Core Equity Fund

Upper mid AUM (₹12,784 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 22.91% (upper mid).
3Y return: 23.85% (top quartile).
1Y return: 8.15% (upper mid).
Alpha: 0.27 (upper mid).
Sharpe: 0.20 (upper mid).
Information ratio: 1.33 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding HDFC Bank Ltd (~4.9%).

Below is the key information for Bandhan Core Equity Fund

Bandhan Core Equity Fund Growth
Launch Date	9 Aug 05
NAV (22 Dec 25)	₹139.9 ↑ 0.86 (0.62 %)
Net Assets (Cr)	₹12,784 on 30 Nov 25
Category	Equity - Large & Mid Cap
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.81
Sharpe Ratio	0.2
Information Ratio	1.33
Alpha Ratio	0.27
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
30 Nov 20	₹10,000
30 Nov 21	₹13,603
30 Nov 22	₹15,386
30 Nov 23	₹19,136
30 Nov 24	₹26,457
30 Nov 25	₹28,619

Bandhan Core Equity 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 Bandhan Core 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 22 Dec 25

Duration	Returns
1 Month	0.2%
3 Month	2.4%
6 Month	6.7%
1 Year	8.2%
3 Year	23.9%
5 Year	22.9%
10 Year
15 Year
Since launch	13.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	28.8%
2023	36.2%
2022	6.9%
2021	34.1%
2020	12.9%
2019	3.7%
2018	-5.1%
2017	37.3%
2016	8%
2015	5.2%

Fund Manager information for Bandhan Core Equity Fund

Name	Since	Tenure
Manish Gunwani	28 Jan 23	2.84 Yr.
Ritika Behera	7 Oct 23	2.15 Yr.
Gaurav Satra	7 Jun 24	1.48 Yr.
Rahul Agarwal	28 Aug 23	2.26 Yr.

Data below for Bandhan Core Equity Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	31.37%
Technology	12.13%
Industrials	9.76%
Health Care	9.67%
Consumer Cyclical	7.45%
Consumer Defensive	6.22%
Communication Services	5.55%
Basic Materials	4.84%
Real Estate	3.67%
Energy	3.53%
Utility	0.92%

Asset Allocation

Asset Class	Value
Cash	4.89%
Equity	95.1%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 12 \| HDFCBANK	5%	₹620 Cr	6,155,393 ↑ 200,000
State Bank of India (Financial Services) Equity, Since 30 Apr 25 \| SBIN	3%	₹424 Cr	4,328,876 ↑ 125,000
One97 Communications Ltd (Technology) Equity, Since 31 Mar 24 \| 543396	3%	₹390 Cr	2,955,400 ↑ 145,462
HDFC Asset Management Co Ltd (Financial Services) Equity, Since 28 Feb 25 \| HDFCAMC	3%	₹380 Cr	1,423,478 ↑ 135,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 24 \| AXISBANK	3%	₹355 Cr	2,774,489 ↑ 305,000
ICICI Bank Ltd (Financial Services) Equity, Since 29 Feb 16 \| ICICIBANK	3%	₹342 Cr	2,463,015 ↑ 27,919
Info Edge (India) Ltd (Communication Services) Equity, Since 31 Mar 25 \| NAUKRI	2%	₹268 Cr	2,014,491 ↑ 137,911
ICICI Lombard General Insurance Co Ltd (Financial Services) Equity, Since 30 Apr 25 \| ICICIGI	2%	₹243 Cr	1,234,947
Great Eastern Shipping Co Ltd (Industrials) Equity, Since 30 Jun 25 \| GESHIP	2%	₹230 Cr	2,074,848 ↑ 557,648
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 23 \| LT	2%	₹220 Cr	541,012 ↑ 61,328

3. UTI Core Equity Fund

(Erstwhile UTI Top 100 Fund)

The fund aims to provide long term capital appreciation/dividend distribution by investing predominantly in equity and equity related instruments of top 100 stocks by market capitalisation. There can be no assurance that the investment objectives of the scheme will be realised.

Research Highlights for UTI Core Equity Fund

Bottom quartile AUM (₹5,498 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 23.00% (upper mid).
3Y return: 22.64% (upper mid).
1Y return: 7.73% (upper mid).
Alpha: -1.49 (bottom quartile).
Sharpe: 0.08 (lower mid).
Information ratio: 0.79 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding HDFC Bank Ltd (~5.6%).

Below is the key information for UTI Core Equity Fund

UTI Core Equity Fund Growth
Launch Date	20 May 09
NAV (22 Dec 25)	₹188.04 ↑ 1.45 (0.78 %)
Net Assets (Cr)	₹5,498 on 30 Nov 25
Category	Equity - Large & Mid Cap
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.96
Sharpe Ratio	0.08
Information Ratio	0.79
Alpha Ratio	-1.49
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
30 Nov 20	₹10,000
30 Nov 21	₹14,834
30 Nov 22	₹16,142
30 Nov 23	₹19,792
30 Nov 24	₹26,966
30 Nov 25	₹28,676

UTI Core Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623 Invest Now

Returns for UTI Core 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 22 Dec 25

Duration	Returns
1 Month	1.7%
3 Month	4.5%
6 Month	5.6%
1 Year	7.7%
3 Year	22.6%
5 Year	23%
10 Year
15 Year
Since launch	13.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	27.2%
2023	34.4%
2022	4.6%
2021	40.8%
2020	12.8%
2019	1.5%
2018	-7.9%
2017	35.2%
2016	3.4%
2015	0.5%

Fund Manager information for UTI Core Equity Fund

Name	Since	Tenure
V Srivatsa	17 May 17	8.55 Yr.

Data below for UTI Core Equity Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	28.65%
Consumer Cyclical	10.88%
Technology	10.31%
Industrials	8.28%
Energy	8.18%
Basic Materials	7.56%
Health Care	7.5%
Consumer Defensive	5.78%
Communication Services	4.75%
Real Estate	2.67%
Utility	1.93%

Asset Allocation

Asset Class	Value
Cash	3.52%
Equity	96.48%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 20 \| HDFCBANK	6%	₹307 Cr	3,049,721
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 06 \| ICICIBANK	4%	₹198 Cr	1,427,555
Infosys Ltd (Technology) Equity, Since 28 Feb 06 \| INFY	4%	₹197 Cr	1,264,187 ↑ 45,000
Reliance Industries Ltd (Energy) Equity, Since 29 Feb 20 \| RELIANCE	3%	₹175 Cr	1,116,380
The Federal Bank Ltd (Financial Services) Equity, Since 30 Jun 17 \| FEDERALBNK	3%	₹150 Cr	5,833,275
ITC Ltd (Consumer Defensive) Equity, Since 31 Dec 08 \| ITC	3%	₹144 Cr	3,559,906
Vedanta Ltd (Basic Materials) Equity, Since 30 Apr 24 \| VEDL	2%	₹136 Cr	2,584,841
Aditya Birla Capital Ltd (Financial Services) Equity, Since 31 Aug 22 \| ABCAPITAL	2%	₹133 Cr	3,705,761 ↓ -245,000
Wipro Ltd (Technology) Equity, Since 30 Jun 24 \| WIPRO	2%	₹132 Cr	5,273,655
Indus Towers Ltd Ordinary Shares (Communication Services) Equity, Since 29 Feb 24 \| 534816	2%	₹123 Cr	3,074,620

4. Motilal Oswal Multicap 35 Fund

(Erstwhile Motilal Oswal MOSt Focused Multicap 35 Fund)

The investment objective of the Scheme is to achieve long term capital appreciation by primarily investing in a maximum of 35 equity & equity related instruments across sectors and market-capitalization levels.However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved.

Research Highlights for Motilal Oswal Multicap 35 Fund

Upper mid AUM (₹14,312 Cr).
Established history (11+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderately High.
5Y return: 16.38% (bottom quartile).
3Y return: 22.32% (upper mid).
1Y return: -2.03% (bottom quartile).
Alpha: -5.55 (bottom quartile).
Sharpe: -0.21 (bottom quartile).
Information ratio: 0.66 (bottom quartile).
Higher exposure to Technology vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~81%).
Largest holding Coforge Ltd (~10.0%).

Below is the key information for Motilal Oswal Multicap 35 Fund

Motilal Oswal Multicap 35 Fund Growth
Launch Date	28 Apr 14
NAV (22 Dec 25)	₹61.4795 ↑ 0.38 (0.62 %)
Net Assets (Cr)	₹14,312 on 30 Nov 25
Category	Equity - Multi Cap
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.77
Sharpe Ratio	-0.21
Information Ratio	0.66
Alpha Ratio	-5.55
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
30 Nov 20	₹10,000
30 Nov 21	₹11,907
30 Nov 22	₹12,321
30 Nov 23	₹14,704
30 Nov 24	₹22,045
30 Nov 25	₹22,084

Motilal Oswal Multicap 35 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 Motilal Oswal Multicap 35 Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Dec 25

Duration	Returns
1 Month	-1.3%
3 Month	-3.2%
6 Month	1%
1 Year	-2%
3 Year	22.3%
5 Year	16.4%
10 Year
15 Year
Since launch	16.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	45.7%
2023	31%
2022	-3%
2021	15.3%
2020	10.3%
2019	7.9%
2018	-7.8%
2017	43.1%
2016	8.5%
2015	14.6%

Fund Manager information for Motilal Oswal Multicap 35 Fund

Name	Since	Tenure
Ajay Khandelwal	1 Oct 24	1.17 Yr.
Niket Shah	1 Jul 22	3.42 Yr.
Rakesh Shetty	22 Nov 22	3.03 Yr.
Atul Mehra	1 Oct 24	1.17 Yr.
Sunil Sawant	1 Jul 24	1.42 Yr.

Data below for Motilal Oswal Multicap 35 Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Technology	28.53%
Consumer Cyclical	17.43%
Industrials	16.69%
Financial Services	9.55%
Communication Services	8.85%
Consumer Defensive	0.5%

Asset Allocation

Asset Class	Value
Cash	19.27%
Equity	80.73%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Coforge Ltd (Technology) Equity, Since 31 May 23 \| COFORGE	10%	₹1,432 Cr	7,500,000 ↑ 636,122
Persistent Systems Ltd (Technology) Equity, Since 31 Mar 23 \| PERSISTENT	10%	₹1,429 Cr	2,250,000 ↓ -183,634
Eternal Ltd (Consumer Cyclical) Equity, Since 31 May 25 \| 543320	8%	₹1,201 Cr	40,025,000 ↑ 25,000
Kalyan Jewellers India Ltd (Consumer Cyclical) Equity, Since 30 Sep 23 \| KALYANKJIL	8%	₹1,188 Cr	23,500,000
Polycab India Ltd (Industrials) Equity, Since 31 Jan 24 \| POLYCAB	8%	₹1,093 Cr	1,463,561 ↓ -77,051
Cholamandalam Investment and Finance Co Ltd (Financial Services) Equity, Since 31 Mar 23 \| CHOLAFIN	7%	₹1,020 Cr	5,877,496
Dixon Technologies (India) Ltd (Technology) Equity, Since 31 Mar 25 \| DIXON	7%	₹1,015 Cr	695,104 ↓ -104,889
CG Power & Industrial Solutions Ltd (Industrials) Equity, Since 31 Jan 25 \| CGPOWER	6%	₹807 Cr	12,000,000
Bharti Airtel Ltd (Partly Paid Rs.1.25) (Communication Services) Equity, Since 30 Apr 24 \| 890157	4%	₹637 Cr	4,000,000 ↑ 1,250,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 25 \| BHARTIARTL	4%	₹630 Cr	3,000,000 ↑ 3,000,000

5. Nippon India Multi Cap Fund

(Erstwhile Reliance Equity Opportunities Fund)

The primary investment objective of the scheme is to seek to generate capital appreciation & provide long-term growth opportunities by investing in a portfolio constituted of equity securities & equity related securities and the secondary objective is to generate consistent returns by investing in debt and money market securities.

Research Highlights for Nippon India Multi Cap Fund

Top quartile AUM (₹50,048 Cr).
Established history (20+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 26.34% (top quartile).
3Y return: 22.27% (upper mid).
1Y return: 4.17% (bottom quartile).
Alpha: -0.86 (lower mid).
Sharpe: -0.06 (bottom quartile).
Information ratio: 0.71 (lower mid).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding HDFC Bank Ltd (~5.4%).

Below is the key information for Nippon India Multi Cap Fund

Nippon India Multi Cap Fund Growth
Launch Date	28 Mar 05
NAV (22 Dec 25)	₹301.062 ↑ 2.14 (0.71 %)
Net Assets (Cr)	₹50,048 on 30 Nov 25
Category	Equity - Multi Cap
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.57
Sharpe Ratio	-0.06
Information Ratio	0.71
Alpha Ratio	-0.86
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
30 Nov 20	₹10,000
30 Nov 21	₹15,735
30 Nov 22	₹18,754
30 Nov 23	₹23,902
30 Nov 24	₹32,086
30 Nov 25	₹33,388

Nippon India Multi Cap 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 Nippon India Multi 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 22 Dec 25

Duration	Returns
1 Month	-0.5%
3 Month	-1.3%
6 Month	1.9%
1 Year	4.2%
3 Year	22.3%
5 Year	26.3%
10 Year
15 Year
Since launch	17.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	25.8%
2023	38.1%
2022	14.1%
2021	48.9%
2020	0%
2019	2.2%
2018	-2.2%
2017	40.9%
2016	-6.7%
2015	0.5%

Fund Manager information for Nippon India Multi Cap Fund

Name	Since	Tenure
Sailesh Raj Bhan	31 Mar 05	20.68 Yr.
Ashutosh Bhargava	1 Sep 21	4.25 Yr.
Kinjal Desai	25 May 18	7.53 Yr.
Lokesh Maru	5 Sep 25	0.24 Yr.
Divya Sharma	5 Sep 25	0.24 Yr.

Data below for Nippon India Multi Cap Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	23.17%
Financial Services	23.1%
Industrials	16.9%
Health Care	8.92%
Basic Materials	5.75%
Utility	5.73%
Consumer Defensive	5.56%
Technology	4.93%
Energy	3%
Communication Services	1.48%

Asset Allocation

Asset Class	Value
Cash	1.47%
Equity	98.53%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 10 \| HDFCBANK	5%	₹2,728 Cr	27,069,796
Axis Bank Ltd (Financial Services) Equity, Since 31 Jan 15 \| AXISBANK	4%	₹1,810 Cr	14,140,351 ↓ -1,959,544
Reliance Industries Ltd (Energy) Equity, Since 31 Oct 20 \| RELIANCE	3%	₹1,500 Cr	9,568,975
Infosys Ltd (Technology) Equity, Since 30 Apr 09 \| INFY	3%	₹1,433 Cr	9,183,231 ↑ 500,000
GE Vernova T&D India Ltd (Industrials) Equity, Since 31 May 12 \| GVT&D	3%	₹1,382 Cr	4,797,058
Max Financial Services Ltd (Financial Services) Equity, Since 31 Mar 12 \| MFSL	2%	₹1,239 Cr	7,281,109
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	2%	₹1,182 Cr	8,509,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Mar 10 \| LT	2%	₹1,010 Cr	2,482,390
NTPC Ltd (Utilities) Equity, Since 30 Jun 23 \| NTPC	2%	₹972 Cr	29,762,573
ITC Ltd (Consumer Defensive) Equity, Since 31 May 25 \| ITC	2%	₹930 Cr	23,013,819

6. Nippon India Value Fund

(Erstwhile Reliance Regular Savings Fund - Equity Plan)

The primary investment objective of this Option is to seek capital appreciation and/or to generate consistent returns by actively investing in equity/equity related securities.

Research Highlights for Nippon India Value Fund

Lower mid AUM (₹9,246 Cr).
Established history (20+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 22.59% (lower mid).
3Y return: 22.22% (lower mid).
1Y return: 4.79% (lower mid).
Alpha: -1.42 (lower mid).
Sharpe: -0.01 (lower mid).
Information ratio: 1.63 (top quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding HDFC Bank Ltd (~8.8%).

Below is the key information for Nippon India Value Fund

Nippon India Value Fund Growth
Launch Date	8 Jun 05
NAV (22 Dec 25)	₹232.287 ↑ 1.39 (0.60 %)
Net Assets (Cr)	₹9,246 on 30 Nov 25
Category	Equity - Value
AMC	Nippon Life Asset Management Ltd.
Rating	Not Rated
Risk	Moderately High
Expense Ratio	1.84
Sharpe Ratio	-0.01
Information Ratio	1.63
Alpha Ratio	-1.42
Min Investment	500
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
30 Nov 20	₹10,000
30 Nov 21	₹14,539
30 Nov 22	₹16,194
30 Nov 23	₹20,328
30 Nov 24	₹27,342
30 Nov 25	₹28,726

Nippon India Value 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 Value Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Dec 25

Duration	Returns
1 Month	-0.5%
3 Month	1.9%
6 Month	3.8%
1 Year	4.8%
3 Year	22.2%
5 Year	22.6%
10 Year
15 Year
Since launch	16.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	22.3%
2023	42.4%
2022	4.8%
2021	39.4%
2020	16.3%
2019	5.7%
2018	-8.4%
2017	45.7%
2016	-1.6%
2015	6.1%

Fund Manager information for Nippon India Value Fund

Name	Since	Tenure
Meenakshi Dawar	7 May 18	7.58 Yr.
Dhrumil Shah	1 Jan 23	2.92 Yr.
Kinjal Desai	25 May 18	7.53 Yr.
Lokesh Maru	5 Sep 25	0.24 Yr.
Divya Sharma	5 Sep 25	0.24 Yr.

Data below for Nippon India Value Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	36.31%
Technology	13.89%
Industrials	8.97%
Basic Materials	7.98%
Consumer Cyclical	7.87%
Energy	7.11%
Utility	5.29%
Health Care	4.15%
Communication Services	3.24%
Consumer Defensive	1.05%
Real Estate	0.34%

Asset Allocation

Asset Class	Value
Cash	3.79%
Equity	96.21%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Jun 13 \| HDFCBANK	9%	₹814 Cr	8,079,200
Infosys Ltd (Technology) Equity, Since 31 Oct 11 \| INFY	4%	₹343 Cr	2,200,779
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 18 \| ICICIBANK	3%	₹320 Cr	2,304,797
State Bank of India (Financial Services) Equity, Since 28 Feb 15 \| SBIN	3%	₹319 Cr	3,261,159
Reliance Industries Ltd (Energy) Equity, Since 31 Mar 18 \| RELIANCE	3%	₹301 Cr	1,920,396
Vedanta Ltd (Basic Materials) Equity, Since 30 Apr 24 \| VEDL	3%	₹290 Cr	5,509,092
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 25 \| KOTAKBANK	3%	₹283 Cr	1,330,000 ↑ 300,000
NTPC Ltd (Utilities) Equity, Since 31 May 22 \| NTPC	3%	₹275 Cr	8,434,650
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 18 \| BHARTIARTL	3%	₹268 Cr	1,277,248
IndusInd Bank Ltd (Financial Services) Equity, Since 31 May 23 \| INDUSINDBK	3%	₹257 Cr	2,994,522 ↑ 100,000

7. IDBI India Top 100 Equity Fund

The Investment objective of the Scheme is to provide investors with the opportunities for long-term capital appreciation by investing predominantly in Equity and Equity related Instruments of Large Cap companies. However there can be no assurance that the investment objective under the Scheme will be realized.

Research Highlights for IDBI India Top 100 Equity Fund

Bottom quartile AUM (₹655 Cr).
Established history (13+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 12.61% (bottom quartile).
3Y return: 21.88% (lower mid).
1Y return: 15.39% (top quartile).
Alpha: 2.11 (upper mid).
Sharpe: 1.09 (top quartile).
Information ratio: 0.14 (bottom quartile).

Below is the key information for IDBI India Top 100 Equity Fund

IDBI India Top 100 Equity Fund Growth
Launch Date	15 May 12
NAV (28 Jul 23)	₹44.16 ↑ 0.05 (0.11 %)
Net Assets (Cr)	₹655 on 30 Jun 23
Category	Equity - Large Cap
AMC	IDBI Asset Management Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.47
Sharpe Ratio	1.09
Information Ratio	0.14
Alpha Ratio	2.11
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
30 Nov 20	₹10,000
30 Nov 21	₹13,650
30 Nov 22	₹15,029

IDBI India Top 100 Equity 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 IDBI India Top 100 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 22 Dec 25

Duration	Returns
1 Month	3%
3 Month	9.2%
6 Month	12.5%
1 Year	15.4%
3 Year	21.9%
5 Year	12.6%
10 Year
15 Year
Since launch	14.2%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for IDBI India Top 100 Equity Fund

Name	Since	Tenure

Data below for IDBI India Top 100 Equity Fund as on 30 Jun 23

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

8. HDFC Equity Fund

Aims at providing capital appreciation through investments predominantly in equity oriented securities

Research Highlights for HDFC Equity Fund

Highest AUM (₹94,069 Cr).
Oldest track record among peers (30 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 24.65% (top quartile).
3Y return: 21.72% (bottom quartile).
1Y return: 11.67% (upper mid).
Alpha: 3.46 (top quartile).
Sharpe: 0.42 (upper mid).
Information ratio: 1.30 (upper mid).
Higher exposure to Financial Services vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~89%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~9.4%).

Below is the key information for HDFC Equity Fund

HDFC Equity Fund Growth
Launch Date	1 Jan 95
NAV (22 Dec 25)	₹2,068.81 ↑ 10.75 (0.52 %)
Net Assets (Cr)	₹94,069 on 30 Nov 25
Category	Equity - Multi Cap
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.44
Sharpe Ratio	0.42
Information Ratio	1.3
Alpha Ratio	3.46
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
30 Nov 20	₹10,000
30 Nov 21	₹14,638
30 Nov 22	₹18,110
30 Nov 23	₹21,444
30 Nov 24	₹28,854
30 Nov 25	₹31,843

HDFC Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 Invest Now

Returns for HDFC 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 22 Dec 25

Duration	Returns
1 Month	-0.3%
3 Month	1.3%
6 Month	5%
1 Year	11.7%
3 Year	21.7%
5 Year	24.7%
10 Year
15 Year
Since launch	18.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23.5%
2023	30.6%
2022	18.3%
2021	36.2%
2020	6.4%
2019	6.8%
2018	-3.5%
2017	36.9%
2016	7.3%
2015	-5.1%

Fund Manager information for HDFC Equity Fund

Name	Since	Tenure
Chirag Setalvad	8 Dec 25	0 Yr.
Dhruv Muchhal	22 Jun 23	2.45 Yr.

Data below for HDFC Equity Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	40.05%
Consumer Cyclical	15.16%
Health Care	7.87%
Technology	5.37%
Basic Materials	5.2%
Industrials	5.03%
Utility	2.61%
Communication Services	2.61%
Real Estate	2.49%
Energy	1.42%
Consumer Defensive	0.88%

Asset Allocation

Asset Class	Value
Cash	10.77%
Equity	88.68%
Debt	0.55%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	9%	₹8,888 Cr	64,000,000 ↑ 3,000,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 13 \| HDFCBANK	9%	₹8,262 Cr	82,000,000 ↑ 3,000,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 17 \| AXISBANK	7%	₹6,910 Cr	54,000,000
State Bank of India (Financial Services) Equity, Since 31 Jan 03 \| SBIN	5%	₹4,308 Cr	44,000,000
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 31 Mar 21 \| SBILIFE	4%	₹3,932 Cr	20,000,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Oct 23 \| KOTAKBANK	4%	₹3,866 Cr	18,200,000
Cipla Ltd (Healthcare) Equity, Since 30 Sep 12 \| CIPLA	3%	₹3,216 Cr	21,000,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Dec 23 \| MARUTI	3%	₹3,180 Cr	2,000,000
HCL Technologies Ltd (Technology) Equity, Since 30 Sep 20 \| HCLTECH	3%	₹2,924 Cr	18,000,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 30 Sep 23 \| POWERGRID	3%	₹2,457 Cr	91,000,000 ↑ 14,400,000

9. JM Value Fund

(Erstwhile JM Basic Fund)

The primary objective of the Scheme will be to provide capital appreciation to its Unitholders through judicious deployment of the corpus of the Scheme in sectors categorized under “basic industry” in the normal parlance and in context of the Indian economy, including but not limited to, energy, petrochemicals, oil & gas, power generation & distribution and electrical equipment suppliers, metals and building material. The fund would continue to remain open-ended with a sector focus.

Research Highlights for JM Value Fund

Bottom quartile AUM (₹987 Cr).
Established history (28+ yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 21.55% (lower mid).
3Y return: 21.45% (bottom quartile).
1Y return: -3.55% (bottom quartile).
Alpha: -9.62 (bottom quartile).
Sharpe: -0.49 (bottom quartile).
Information ratio: 0.70 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~100%).
Largest holding HDFC Bank Ltd (~4.8%).

Below is the key information for JM Value Fund

JM Value Fund Growth
Launch Date	2 Jun 97
NAV (22 Dec 25)	₹96.7552 ↑ 1.08 (1.13 %)
Net Assets (Cr)	₹987 on 30 Nov 25
Category	Equity - Value
AMC	JM Financial Asset Management Limited
Rating	☆☆☆☆
Risk	High
Expense Ratio	2.23
Sharpe Ratio	-0.49
Information Ratio	0.7
Alpha Ratio	-9.62
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-60 Days (1%),60 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹13,995
30 Nov 22	₹15,383
30 Nov 23	₹21,021
30 Nov 24	₹28,321
30 Nov 25	₹27,255

JM Value Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033 Invest Now

Returns for JM Value Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Dec 25

Duration	Returns
1 Month	-0.2%
3 Month	-2.1%
6 Month	0.4%
1 Year	-3.5%
3 Year	21.4%
5 Year	21.6%
10 Year
15 Year
Since launch	16.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	25.1%
2023	47.7%
2022	5.3%
2021	36.3%
2020	13.4%
2019	11.9%
2018	-11.2%
2017	44.6%
2016	12.1%
2015	3.5%

Fund Manager information for JM Value Fund

Name	Since	Tenure
Satish Ramanathan	20 Aug 21	4.28 Yr.
Asit Bhandarkar	11 Dec 06	18.99 Yr.
Ruchi Fozdar	4 Oct 24	1.16 Yr.
Deepak Gupta	11 Apr 25	0.64 Yr.

Data below for JM Value Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	31.75%
Consumer Cyclical	23.62%
Industrials	15.22%
Technology	9.95%
Basic Materials	5.47%
Communication Services	5.31%
Consumer Defensive	4.26%
Health Care	4.16%

Asset Allocation

Asset Class	Value
Cash	0.27%
Equity	99.73%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 12 \| HDFCBANK	5%	₹48 Cr	475,000 ↓ -25,000
Godfrey Phillips India Ltd (Consumer Defensive) Equity, Since 31 Aug 24 \| GODFRYPHLP	4%	₹42 Cr	146,367
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Apr 09 \| LT	4%	₹41 Cr	101,613 ↑ 9,000
Infosys Ltd (Technology) Equity, Since 31 May 18 \| INFY	4%	₹40 Cr	254,330 ↓ -6,275
Canara Bank (Financial Services) Equity, Since 30 Sep 25 \| CANBK	4%	₹37 Cr	2,450,000 ↑ 150,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 24 \| BHARTIARTL	4%	₹36 Cr	170,000 ↑ 20,000
Shriram Finance Ltd (Financial Services) Equity, Since 31 Aug 25 \| SHRIRAMFIN	3%	₹31 Cr	365,000 ↑ 90,000
Hero MotoCorp Ltd (Consumer Cyclical) Equity, Since 30 Sep 25 \| HEROMOTOCO	3%	₹31 Cr	50,000
CreditAccess Grameen Ltd Ordinary Shares (Financial Services) Equity, Since 31 Oct 24 \| CREDITACC	3%	₹29 Cr	215,630
Motilal Oswal Financial Services Ltd (Financial Services) Equity, Since 30 Apr 25 \| MOTILALOFS	3%	₹29 Cr	298,220 ↓ -20,000

10. ICICI Prudential Large & Mid Cap Fund

(Erstwhile ICICI Prudential Top 100 Fund)

To generate long-term capital appreciation from a portfolio that is invested predominantly in equity and equity related securities

Research Highlights for ICICI Prudential Large & Mid Cap Fund

Upper mid AUM (₹26,939 Cr).
Established history (27+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 23.94% (upper mid).
3Y return: 21.32% (bottom quartile).
1Y return: 13.61% (top quartile).
Alpha: 3.94 (top quartile).
Sharpe: 0.51 (top quartile).
Information ratio: 0.46 (bottom quartile).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding Axis Bank Ltd (~4.9%).

Below is the key information for ICICI Prudential Large & Mid Cap Fund

ICICI Prudential Large & Mid Cap Fund Growth
Launch Date	9 Jul 98
NAV (22 Dec 25)	₹1,048.29 ↑ 7.20 (0.69 %)
Net Assets (Cr)	₹26,939 on 30 Nov 25
Category	Equity - Large & Mid Cap
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.71
Sharpe Ratio	0.51
Information Ratio	0.46
Alpha Ratio	3.94
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
30 Nov 20	₹10,000
30 Nov 21	₹15,021
30 Nov 22	₹17,289
30 Nov 23	₹20,845
30 Nov 24	₹27,191
30 Nov 25	₹30,416

ICICI Prudential Large & Mid Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623 Invest Now

Returns for ICICI Prudential Large & 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 22 Dec 25

Duration	Returns
1 Month	-0.1%
3 Month	2.6%
6 Month	5.9%
1 Year	13.6%
3 Year	21.3%
5 Year	23.9%
10 Year
15 Year
Since launch	18.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	20.4%
2023	29.9%
2022	11.7%
2021	41.8%
2020	11.7%
2019	5.7%
2018	-6.2%
2017	29.8%
2016	10.3%
2015	-0.6%

Fund Manager information for ICICI Prudential Large & Mid Cap Fund

Name	Since	Tenure
Ihab Dalwai	1 Jun 22	3.5 Yr.
Sharmila D’mello	31 Jul 22	3.34 Yr.

Data below for ICICI Prudential Large & Mid Cap Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	24.19%
Financial Services	23.57%
Basic Materials	9.01%
Industrials	8.41%
Consumer Defensive	7.83%
Technology	5.84%
Health Care	5.1%
Energy	3.98%
Communication Services	3.58%
Utility	1.86%
Real Estate	0.89%

Asset Allocation

Asset Class	Value
Cash	5.33%
Equity	94.66%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 21 \| AXISBANK	5%	₹1,333 Cr	10,418,971 ↓ -937,500
SBI Cards and Payment Services Ltd Ordinary Shares (Financial Services) Equity, Since 30 Nov 22 \| SBICARD	4%	₹1,187 Cr	13,489,921 ↑ 2,706,765
FSN E-Commerce Ventures Ltd (Consumer Cyclical) Equity, Since 30 Apr 23 \| 543384	4%	₹980 Cr	36,677,556 ↓ -734,416
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Apr 22 \| MARUTI	4%	₹970 Cr	610,277 ↑ 11,420
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 06 \| ICICIBANK	3%	₹903 Cr	6,505,477 ↑ 1,834,477
Sona BLW Precision Forgings Ltd (Consumer Cyclical) Equity, Since 31 Aug 24 \| 543300	3%	₹818 Cr	15,981,365
IndusInd Bank Ltd (Financial Services) Equity, Since 31 Aug 24 \| INDUSINDBK	3%	₹783 Cr	9,114,259 ↑ 602,006
Page Industries Ltd (Consumer Cyclical) Equity, Since 29 Feb 24 \| PAGEIND	2%	₹670 Cr	174,833 ↑ 36,228
Infosys Ltd (Technology) Equity, Since 31 Dec 18 \| INFY	2%	₹663 Cr	4,249,986 ↓ -335,798
Alkem Laboratories Ltd (Healthcare) Equity, Since 31 May 22 \| ALKEM	2%	₹638 Cr	1,121,797 ↓ -54,844

Disclaimer:
ഇവിടെ നൽകിയിരിക്കുന്ന വിവരങ്ങൾ കൃത്യമാണെന്ന് ഉറപ്പാക്കാൻ എല്ലാ ശ്രമങ്ങളും നടത്തിയിട്ടുണ്ട്. എന്നിരുന്നാലും, ഡാറ്റയുടെ കൃത്യത സംബന്ധിച്ച് യാതൊരു ഉറപ്പും നൽകുന്നില്ല. എന്തെങ്കിലും നിക്ഷേപം നടത്തുന്നതിന് മുമ്പ് സ്കീം വിവര രേഖ ഉപയോഗിച്ച് പരിശോധിക്കുക.