SIP 2022 साठी सर्वोत्तम म्युच्युअल फंड

Updated on January 26, 2026 , 14692 views

SIP किंवा पद्धतशीरगुंतवणूक योजना सर्वोत्तम मार्गांपैकी एक आहेम्युच्युअल फंडात गुंतवणूक करा. हा एक स्मार्ट आणि त्रास-मुक्त मोड आहेगुंतवणूक म्युच्युअल फंड योजनांमध्ये तुमचे पैसे. येथे, तुम्ही ठराविक पूर्व-निर्धारित रक्कम नियमित अंतराने (मासिक/तिमाही इ.) गुंतवू शकता. जसे आपण आपले प्रारंभ करू शकताएसआयपी गुंतवणूक फक्त INR 500 सह, हे गुंतवणुकीचे सर्वात परवडणारे साधन बनवते. तुमचे पैसे तुमच्याकडून ऑटो-डेबिट केले जातातबँक खाते आणि योजनेत गुंतवणूक केली, ज्यामुळे अप्रत्यक्षपणे दीर्घकाळ बचत करण्याची सवय निर्माण होते. एसआयपी गुंतवणूक ही तुमची योजना करण्याचा एक उत्तम मार्ग आहेआर्थिक उद्दिष्टे. तुम्हाला एक विशिष्ट ध्येय सेट करावे लागेल आणि ते पूर्ण करण्यासाठी लागणारा वेळ आणि रकमेचा अंदाज घ्यावा लागेल. खाली आहेतसर्वोत्तम म्युच्युअल फंड गुंतवणूक कालावधीवर आधारित एसआयपीसाठी आणिजोखीम भूक. या योजनांमध्ये गुंतवणूक करून गुंतवणूकदार त्यांच्या गुंतवणुकीची उद्दिष्टे लक्ष्य करू शकतात आणि ते वेळेवर साध्य करू शकतात.

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SIP गुंतवणूक FY 22 - 23 साठी शीर्ष म्युच्युअल फंड

सर्वोत्कृष्ट इक्विटी एसआयपी फंड- दीर्घकालीन संपत्ती निर्मितीसाठी

इक्विटी फंड दीर्घकाळात उच्च परतावा देण्याची अपेक्षा आहे, परंतु ते धोकादायक फंड आहेत. जे गुंतवणूकदार 5 वर्षांपेक्षा जास्त काळ गुंतवणूक करू शकतात त्यांना इक्विटी फंडात गुंतवणूक करण्याचा सल्ला दिला जातो. या फंडांमध्ये गुंतवणूक करून एखादी व्यक्ती त्यांच्या दीर्घकालीन आर्थिक उद्दिष्टांची योजना देखील करू शकते.

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
SBI PSU Fund Growth	₹34.8666 ↑ 1.01	₹5,817	500	4.8	10.9	23.5	31.7	30.4	11.3
DSP World Gold Fund Growth	₹66.1226 ↑ 0.58	₹1,756	500	62.3	110.3	200.3	55	29.9	167.1
ICICI Prudential Infrastructure Fund Growth	₹190.14 ↑ 3.06	₹8,134	100	-5.3	-1.6	9.8	24.3	29.3	6.7
Invesco India PSU Equity Fund Growth	₹68.56 ↑ 2.71	₹1,449	500	4.7	9.7	25.5	32.3	28.5	10.3
HDFC Infrastructure Fund Growth	₹46.084 ↑ 0.68	₹2,452	300	-5	-2.5	8.7	25.7	26.7	2.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	SBI PSU Fund	DSP World Gold Fund	ICICI Prudential Infrastructure Fund	Invesco India PSU Equity Fund	HDFC Infrastructure Fund
Point 1	Upper mid AUM (₹5,817 Cr).	Bottom quartile AUM (₹1,756 Cr).	Highest AUM (₹8,134 Cr).	Bottom quartile AUM (₹1,449 Cr).	Lower mid AUM (₹2,452 Cr).
Point 2	Established history (15+ yrs).	Established history (18+ yrs).	Oldest track record among peers (20 yrs).	Established history (16+ yrs).	Established history (17+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 30.38% (top quartile).	5Y return: 29.86% (upper mid).	5Y return: 29.34% (lower mid).	5Y return: 28.54% (bottom quartile).	5Y return: 26.73% (bottom quartile).
Point 6	3Y return: 31.73% (lower mid).	3Y return: 55.00% (top quartile).	3Y return: 24.31% (bottom quartile).	3Y return: 32.30% (upper mid).	3Y return: 25.72% (bottom quartile).
Point 7	1Y return: 23.52% (lower mid).	1Y return: 200.31% (top quartile).	1Y return: 9.82% (bottom quartile).	1Y return: 25.50% (upper mid).	1Y return: 8.73% (bottom quartile).
Point 8	Alpha: -0.22 (bottom quartile).	Alpha: 1.32 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: -1.90 (bottom quartile).	Alpha: 0.00 (lower mid).
Point 9	Sharpe: 0.33 (upper mid).	Sharpe: 3.42 (top quartile).	Sharpe: 0.12 (bottom quartile).	Sharpe: 0.27 (lower mid).	Sharpe: -0.12 (bottom quartile).
Point 10	Information ratio: -0.47 (bottom quartile).	Information ratio: -0.67 (bottom quartile).	Information ratio: 0.00 (top quartile).	Information ratio: -0.37 (lower mid).	Information ratio: 0.00 (upper mid).

SBI PSU Fund

Upper mid AUM (₹5,817 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 30.38% (top quartile).
3Y return: 31.73% (lower mid).
1Y return: 23.52% (lower mid).
Alpha: -0.22 (bottom quartile).
Sharpe: 0.33 (upper mid).
Information ratio: -0.47 (bottom quartile).

DSP World Gold Fund

Bottom quartile AUM (₹1,756 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 29.86% (upper mid).
3Y return: 55.00% (top quartile).
1Y return: 200.31% (top quartile).
Alpha: 1.32 (top quartile).
Sharpe: 3.42 (top quartile).
Information ratio: -0.67 (bottom quartile).

ICICI Prudential Infrastructure Fund

Highest AUM (₹8,134 Cr).
Oldest track record among peers (20 yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 29.34% (lower mid).
3Y return: 24.31% (bottom quartile).
1Y return: 9.82% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.12 (bottom quartile).
Information ratio: 0.00 (top quartile).

Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,449 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 28.54% (bottom quartile).
3Y return: 32.30% (upper mid).
1Y return: 25.50% (upper mid).
Alpha: -1.90 (bottom quartile).
Sharpe: 0.27 (lower mid).
Information ratio: -0.37 (lower mid).

HDFC Infrastructure Fund

Lower mid AUM (₹2,452 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 26.73% (bottom quartile).
3Y return: 25.72% (bottom quartile).
1Y return: 8.73% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.12 (bottom quartile).
Information ratio: 0.00 (upper mid).

सर्वोत्कृष्ट डेट एसआयपी फंड- इष्टतम परतावा मिळविण्यासाठी

कर्ज निधी तुमचे पैसे सुरक्षित करण्याचा आणि सरासरी सातत्यपूर्ण परतावा निर्माण करण्याचा हा एक चांगला मार्ग आहे. जे गुंतवणूकदार स्थिर परतावा शोधत आहेत किंवा ज्यांना तीन वर्षांपेक्षा कमी कालावधीसाठी गुंतवणूक करायची आहे त्यांनी या फंडांमध्ये गुंतवणूक करण्याचा विचार करावा.

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
DSP Credit Risk Fund Growth	₹50.8553 ↑ 0.01	₹206	500	0.8	1.9	20.4	14.6	21	7.1%	2Y 4M 17D	3Y 3M 14D
Aditya Birla Sun Life Credit Risk Fund Growth	₹24.0917 ↓ -0.01	₹1,092	100	4.5	6.8	16.6	11.8	13.4	7.96%	2Y 4M 28D	3Y 2M 23D
Sundaram Short Term Debt Fund Growth	₹36.3802 ↑ 0.01	₹362	250	0.8	11.4	12.8	5.3		4.52%	1Y 2M 13D	1Y 7M 3D
Aditya Birla Sun Life Medium Term Plan Growth	₹41.9242 ↓ -0.01	₹2,905	1,000	2.5	4.2	11.9	9.9	10.9	7.78%	3Y 4M 24D	4Y 6M 7D
Sundaram Low Duration Fund Growth	₹28.8391 ↑ 0.01	₹550	1,000	1	10.2	11.8	5		4.19%	5M 18D	8M 1D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP Credit Risk Fund	Aditya Birla Sun Life Credit Risk Fund	Sundaram Short Term Debt Fund	Aditya Birla Sun Life Medium Term Plan	Sundaram Low Duration Fund
Point 1	Bottom quartile AUM (₹206 Cr).	Upper mid AUM (₹1,092 Cr).	Bottom quartile AUM (₹362 Cr).	Highest AUM (₹2,905 Cr).	Lower mid AUM (₹550 Cr).
Point 2	Established history (22+ yrs).	Established history (10+ yrs).	Oldest track record among peers (23 yrs).	Established history (16+ yrs).	Established history (18+ yrs).
Point 3	Top rated.	Not Rated.	Rating: 2★ (lower mid).	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	1Y return: 20.44% (top quartile).	1Y return: 16.59% (upper mid).	1Y return: 12.83% (lower mid).	1Y return: 11.95% (bottom quartile).	1Y return: 11.79% (bottom quartile).
Point 6	1M return: 0.11% (bottom quartile).	1M return: 3.56% (top quartile).	1M return: 0.20% (bottom quartile).	1M return: 1.75% (upper mid).	1M return: 0.28% (lower mid).
Point 7	Sharpe: 1.53 (lower mid).	Sharpe: 2.08 (top quartile).	Sharpe: 0.98 (bottom quartile).	Sharpe: 2.01 (upper mid).	Sharpe: 0.99 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.10% (lower mid).	Yield to maturity (debt): 7.96% (top quartile).	Yield to maturity (debt): 4.52% (bottom quartile).	Yield to maturity (debt): 7.78% (upper mid).	Yield to maturity (debt): 4.19% (bottom quartile).
Point 10	Modified duration: 2.38 yrs (lower mid).	Modified duration: 2.41 yrs (bottom quartile).	Modified duration: 1.20 yrs (upper mid).	Modified duration: 3.40 yrs (bottom quartile).	Modified duration: 0.47 yrs (top quartile).

DSP Credit Risk Fund

Bottom quartile AUM (₹206 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 20.44% (top quartile).
1M return: 0.11% (bottom quartile).
Sharpe: 1.53 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.10% (lower mid).
Modified duration: 2.38 yrs (lower mid).

Aditya Birla Sun Life Credit Risk Fund

Upper mid AUM (₹1,092 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 16.59% (upper mid).
1M return: 3.56% (top quartile).
Sharpe: 2.08 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.96% (top quartile).
Modified duration: 2.41 yrs (bottom quartile).

Sundaram Short Term Debt Fund

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

Aditya Birla Sun Life Medium Term Plan

Highest AUM (₹2,905 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 11.95% (bottom quartile).
1M return: 1.75% (upper mid).
Sharpe: 2.01 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.78% (upper mid).
Modified duration: 3.40 yrs (bottom quartile).

Sundaram Low Duration Fund

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

सर्वोत्कृष्ट बॅलन्स्ड फंड - स्थिर परतावा मिळवा + दीर्घकालीन संपत्ती तयार करा

संतुलित निधी त्यांचे पैसे इक्विटी आणि डेट फंडात गुंतवा. हे शुद्ध इक्विटीपेक्षा कमी अस्थिर आहेतम्युच्युअल फंड. बॅलन्स्ड फंड्स तीन वर्षांपेक्षा जास्त कालावधीत उत्कृष्ट परतावा देतात. ज्या गुंतवणूकदारांना इक्विटी फंड, बॅलन्स्ड फंडांमध्ये गुंतवणूक करायची आहे ते सुरुवात करण्याचा उत्तम मार्ग आहे.

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
UTI Multi Asset Fund Growth	₹80.1456 ↑ 0.71	₹6,720	500	3.6	8.9	15.9	21.3	15.4	11.1
SBI Multi Asset Allocation Fund Growth	₹67.4858 ↑ 0.73	₹13,033	500	7.8	13.6	24.7	20.2	15.6	18.6
ICICI Prudential Multi-Asset Fund Growth	₹812.613 ↑ 3.87	₹78,179	100	1.5	7.6	17.2	19.5	21.7	18.6
ICICI Prudential Equity and Debt Fund Growth	₹402.82 ↑ 3.09	₹49,641	100	-1.6	3.6	13.7	18.9	21.2	13.3
JM Equity Hybrid Fund Growth	₹117.516 ↑ 1.68	₹785	500	-4.5	-1.7	4.2	18.4	16.9	-3.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Multi Asset Fund	SBI Multi Asset Allocation Fund	ICICI Prudential Multi-Asset Fund	ICICI Prudential Equity and Debt Fund	JM Equity Hybrid Fund
Point 1	Bottom quartile AUM (₹6,720 Cr).	Lower mid AUM (₹13,033 Cr).	Highest AUM (₹78,179 Cr).	Upper mid AUM (₹49,641 Cr).	Bottom quartile AUM (₹785 Cr).
Point 2	Established history (17+ yrs).	Established history (20+ yrs).	Established history (23+ yrs).	Established history (26+ yrs).	Oldest track record among peers (30 yrs).
Point 3	Rating: 1★ (bottom quartile).	Top rated.	Rating: 2★ (lower mid).	Rating: 4★ (upper mid).	Rating: 1★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 15.39% (bottom quartile).	5Y return: 15.56% (bottom quartile).	5Y return: 21.67% (top quartile).	5Y return: 21.19% (upper mid).	5Y return: 16.86% (lower mid).
Point 6	3Y return: 21.26% (top quartile).	3Y return: 20.18% (upper mid).	3Y return: 19.48% (lower mid).	3Y return: 18.92% (bottom quartile).	3Y return: 18.44% (bottom quartile).
Point 7	1Y return: 15.88% (lower mid).	1Y return: 24.67% (top quartile).	1Y return: 17.15% (upper mid).	1Y return: 13.65% (bottom quartile).	1Y return: 4.20% (bottom quartile).
Point 8	1M return: 0.79% (upper mid).	1M return: 2.75% (top quartile).	1M return: -0.82% (lower mid).	1M return: -1.65% (bottom quartile).	1M return: -2.07% (bottom quartile).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 4.49 (top quartile).	Alpha: -11.83 (bottom quartile).
Point 10	Sharpe: 0.55 (bottom quartile).	Sharpe: 1.60 (upper mid).	Sharpe: 1.86 (top quartile).	Sharpe: 0.83 (lower mid).	Sharpe: -0.65 (bottom quartile).

UTI Multi Asset Fund

Bottom quartile AUM (₹6,720 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.39% (bottom quartile).
3Y return: 21.26% (top quartile).
1Y return: 15.88% (lower mid).
1M return: 0.79% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.55 (bottom quartile).

SBI Multi Asset Allocation Fund

Lower mid AUM (₹13,033 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 15.56% (bottom quartile).
3Y return: 20.18% (upper mid).
1Y return: 24.67% (top quartile).
1M return: 2.75% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 1.60 (upper mid).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹78,179 Cr).
Established history (23+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 21.67% (top quartile).
3Y return: 19.48% (lower mid).
1Y return: 17.15% (upper mid).
1M return: -0.82% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.86 (top quartile).

ICICI Prudential Equity and Debt Fund

Upper mid AUM (₹49,641 Cr).
Established history (26+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 21.19% (upper mid).
3Y return: 18.92% (bottom quartile).
1Y return: 13.65% (bottom quartile).
1M return: -1.65% (bottom quartile).
Alpha: 4.49 (top quartile).
Sharpe: 0.83 (lower mid).

JM Equity Hybrid Fund

Bottom quartile AUM (₹785 Cr).
Oldest track record among peers (30 yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.86% (lower mid).
3Y return: 18.44% (bottom quartile).
1Y return: 4.20% (bottom quartile).
1M return: -2.07% (bottom quartile).
Alpha: -11.83 (bottom quartile).
Sharpe: -0.65 (bottom quartile).

1. DSP World Gold Fund

"The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized."

Research Highlights for DSP World Gold Fund

Lower mid AUM (₹1,756 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 29.86% (upper mid).
3Y return: 55.00% (top quartile).
1Y return: 200.31% (top quartile).
Alpha: 1.32 (top quartile).
Sharpe: 3.42 (top quartile).
Information ratio: -0.67 (bottom quartile).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding BGF World Gold I2 (~73.7%).
Top-3 holdings concentration ~100.4%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (27 Jan 26)	₹66.1226 ↑ 0.58 (0.89 %)
Net Assets (Cr)	₹1,756 on 31 Dec 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	3.42
Information Ratio	-0.67
Alpha Ratio	1.32
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹9,101
31 Dec 22	₹8,405
31 Dec 23	₹8,991
31 Dec 24	₹10,424
31 Dec 25	₹27,842

DSP World Gold Fund SIP Returns

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

Returns for DSP World Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jan 26

Duration	Returns
1 Month	20.8%
3 Month	62.3%
6 Month	110.3%
1 Year	200.3%
3 Year	55%
5 Year	29.9%
10 Year
15 Year
Since launch	10.8%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for DSP World Gold Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	12.85 Yr.

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

Equity Sector Allocation

Sector	Value
Basic Materials	94.95%

Asset Allocation

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

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	74%	₹1,294 Cr	1,219,254 ↓ -59,731
VanEck Gold Miners ETF - \| GDX	25%	₹442 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	2%	₹28 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹8 Cr

2. Invesco India PSU Equity Fund

To generate capital appreciation by investing in Equity and Equity Related Instruments of companies where the Central / State Government(s) has majority shareholding or management control or has powers to appoint majority of directors. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns.

Research Highlights for Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,449 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 28.54% (lower mid).
3Y return: 32.30% (upper mid).
1Y return: 25.50% (upper mid).
Alpha: -1.90 (lower mid).
Sharpe: 0.27 (lower mid).
Information ratio: -0.37 (lower mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding State Bank of India (~9.4%).

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund Growth
Launch Date	18 Nov 09
NAV (28 Jan 26)	₹68.56 ↑ 2.71 (4.12 %)
Net Assets (Cr)	₹1,449 on 31 Dec 25
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.14
Sharpe Ratio	0.27
Information Ratio	-0.37
Alpha Ratio	-1.9
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹13,105
31 Dec 22	₹15,797
31 Dec 23	₹24,402
31 Dec 24	₹30,659
31 Dec 25	₹33,810

Invesco India PSU Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹612,552.
Net Profit of ₹312,552 Invest Now

Returns for Invesco India PSU Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jan 26

Duration	Returns
1 Month	5.1%
3 Month	4.7%
6 Month	9.7%
1 Year	25.5%
3 Year	32.3%
5 Year	28.5%
10 Year
15 Year
Since launch	12.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	10.3%
2023	25.6%
2022	54.5%
2021	20.5%
2020	31.1%
2019	6.1%
2018	10.1%
2017	-16.9%
2016	24.3%
2015	17.9%

Fund Manager information for Invesco India PSU Equity Fund

Name	Since	Tenure
Hiten Jain	1 Jul 25	0.5 Yr.
Sagar Gandhi	1 Jul 25	0.5 Yr.

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

Equity Sector Allocation

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

Asset Allocation

Asset Class	Value
Cash	1.76%
Equity	98.24%

Top Securities Holdings / Portfolio

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

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 (₹5,817 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 30.38% (top quartile).
3Y return: 31.73% (lower mid).
1Y return: 23.52% (lower mid).
Alpha: -0.22 (upper mid).
Sharpe: 0.33 (upper mid).
Information ratio: -0.47 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~16.8%).

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (28 Jan 26)	₹34.8666 ↑ 1.01 (2.99 %)
Net Assets (Cr)	₹5,817 on 31 Dec 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0.33
Information Ratio	-0.47
Alpha Ratio	-0.22
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹13,241
31 Dec 22	₹17,083
31 Dec 23	₹26,314
31 Dec 24	₹32,485
31 Dec 25	₹36,147

SBI PSU Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹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 27 Jan 26

Duration	Returns
1 Month	4.6%
3 Month	4.8%
6 Month	10.9%
1 Year	23.5%
3 Year	31.7%
5 Year	30.4%
10 Year
15 Year
Since launch	8.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	11.3%
2023	23.5%
2022	54%
2021	29%
2020	32.4%
2019	-10%
2018	6%
2017	-23.8%
2016	21.9%
2015	16.2%

Fund Manager information for SBI PSU Fund

Name	Since	Tenure
Rohit Shimpi	1 Jun 24	1.59 Yr.

Data below for SBI PSU Fund as on 31 Dec 25

Equity Sector Allocation

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

Asset Allocation

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

Top Securities Holdings / Portfolio

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

4. Franklin India Opportunities Fund

The investment objective of Franklin India Opportunities Fund (FIOF) is to generate capital appreciation by capitalizing on the long-term growth opportunities in the Indian economy.

Research Highlights for Franklin India Opportunities Fund

Highest AUM (₹8,380 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 21.22% (bottom quartile).
3Y return: 29.82% (bottom quartile).
1Y return: 8.24% (bottom quartile).
Alpha: -4.27 (bottom quartile).
Sharpe: -0.10 (bottom quartile).
Information ratio: 1.69 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding Axis Bank Ltd (~6.0%).

Below is the key information for Franklin India Opportunities Fund

Franklin India Opportunities Fund Growth
Launch Date	21 Feb 00
NAV (27 Jan 26)	₹248.358 ↑ 1.34 (0.54 %)
Net Assets (Cr)	₹8,380 on 31 Dec 25
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	-0.1
Information Ratio	1.69
Alpha Ratio	-4.27
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹12,966
31 Dec 22	₹12,725
31 Dec 23	₹19,540
31 Dec 24	₹26,826
31 Dec 25	₹27,668

Franklin India Opportunities Fund SIP Returns

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

Returns for Franklin India Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jan 26

Duration	Returns
1 Month	-3.9%
3 Month	-5.8%
6 Month	-1.3%
1 Year	8.2%
3 Year	29.8%
5 Year	21.2%
10 Year
15 Year
Since launch	13.2%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Franklin India Opportunities Fund

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

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

Equity Sector Allocation

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

Asset Allocation

Asset Class	Value
Cash	4.14%
Equity	95.84%

Top Securities Holdings / Portfolio

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

5. LIC MF Infrastructure Fund

The investment objective of the scheme is to provide long term growth from a portfolio of equity / equity related instruments of companies engaged either directly or indirectly in the infrastructure sector.

Research Highlights for LIC MF Infrastructure Fund

Bottom quartile AUM (₹1,003 Cr).
Established history (17+ yrs).
Not Rated.
Risk profile: High.
5Y return: 25.51% (bottom quartile).
3Y return: 26.73% (bottom quartile).
1Y return: 7.76% (bottom quartile).
Alpha: -18.43 (bottom quartile).
Sharpe: -0.21 (bottom quartile).
Information ratio: 0.28 (upper mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Shakti Pumps (India) Ltd (~5.0%).

Below is the key information for LIC MF Infrastructure Fund

LIC MF Infrastructure Fund Growth
Launch Date	29 Feb 08
NAV (28 Jan 26)	₹46.9535 ↑ 1.23 (2.68 %)
Net Assets (Cr)	₹1,003 on 31 Dec 25
Category	Equity - Sectoral
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	Not Rated
Risk	High
Expense Ratio	2.21
Sharpe Ratio	-0.21
Information Ratio	0.28
Alpha Ratio	-18.43
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 Dec 20	₹10,000
31 Dec 21	₹14,661
31 Dec 22	₹15,822
31 Dec 23	₹22,850
31 Dec 24	₹33,771
31 Dec 25	₹32,530

LIC MF Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 Invest Now

Returns for LIC MF 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 27 Jan 26

Duration	Returns
1 Month	-4.5%
3 Month	-7%
6 Month	-4.1%
1 Year	7.8%
3 Year	26.7%
5 Year	25.5%
10 Year
15 Year
Since launch	9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-3.7%
2023	47.8%
2022	44.4%
2021	7.9%
2020	46.6%
2019	-0.1%
2018	13.3%
2017	-14.6%
2016	42.2%
2015	-2.2%

Fund Manager information for LIC MF Infrastructure Fund

Name	Since	Tenure
Yogesh Patil	18 Sep 20	5.29 Yr.
Mahesh Bendre	1 Jul 24	1.5 Yr.

Data below for LIC MF Infrastructure Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	47.89%
Consumer Cyclical	13.2%
Basic Materials	9.06%
Financial Services	6.21%
Utility	5.93%
Technology	3.68%
Real Estate	3.55%
Communication Services	3.18%
Health Care	3.07%

Asset Allocation

Asset Class	Value
Cash	4.22%
Equity	95.78%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shakti Pumps (India) Ltd (Industrials) Equity, Since 31 Mar 24 \| SHAKTIPUMP	5%	₹50 Cr	686,379 ↓ -7,478
Tata Motors Ltd (Consumer Cyclical) Equity, Since 31 Oct 25 \| TMCV	5%	₹45 Cr	1,088,395 ↓ -159,564
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Apr 09 \| LT	4%	₹44 Cr	108,403 ↓ -1,181
REC Ltd (Financial Services) Equity, Since 31 Jul 23 \| 532955	3%	₹32 Cr	901,191 ↓ -9,818
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 30 Jun 25 \| APOLLOHOSP	3%	₹31 Cr	43,674 ↓ -475
Garware Hi-Tech Films Ltd (Basic Materials) Equity, Since 31 Aug 23 \| 500655	3%	₹29 Cr	93,271 ↓ -1,016
Mahindra Lifespace Developers Ltd (Real Estate) Equity, Since 30 Jun 24 \| MAHLIFE	3%	₹26 Cr	659,065 ↓ -7,180
Avalon Technologies Ltd (Technology) Equity, Since 31 Jul 23 \| AVALON	3%	₹25 Cr	289,118 ↑ 2,984
Cummins India Ltd (Industrials) Equity, Since 31 May 21 \| 500480	3%	₹25 Cr	56,889 ↓ -619
Bharat Bijlee Ltd (Industrials) Equity, Since 31 Jul 22 \| BBL	2%	₹25 Cr	92,624 ↓ -1,009

SIP मध्ये गुंतवणुकीचे फायदे

काही प्रमुखगुंतवणुकीचे फायदे SIP मध्ये खालीलप्रमाणे आहेत:

रुपया खर्च सरासरी

बहुतेक गुंतवणूकदारांना गुंतवणूक करण्याची सर्वोत्तम वेळ याबद्दल शंका आहेबाजार. त्यांना अस्थिर बाजाराची चिंता आहे. पण, रुपयाची सरासरी किंमत सर्व चिंता तोडते. तुम्ही नियमित झाल्यापासूनगुंतवणूकदार SIP सह, जेव्हा शेअर्सची किंमत कमी असते आणि किंमत जास्त असते तेव्हा तुमचे पैसे अधिक युनिट्स मिळवतात. अस्थिर चक्रादरम्यान, ते तुम्हाला प्रति युनिट कमी सरासरी खर्च साध्य करण्यास अनुमती देऊ शकते. अशा प्रकारे, बाजारातील चढउतारांच्या काळात SIP द्वारे गुंतवणूक करण्याचे सकारात्मक फायदे स्पष्ट होतात.

कंपाउंडिंगची शक्ती

SIP वर काम करतातकंपाउंडिंगची शक्ती. गुंतवणूकदार थोड्या प्रमाणात पैसे टाकू शकतात आणि वेळोवेळी मूल्य कसे वाढते ते पाहू शकतात. तुम्ही जितके जास्त वेळ गुंतवणुकीत राहाल, तितके तुमच्या गुंतवणुकीचे मूल्य अधिक होईल. नियमित अंतराने मिळालेला परतावा फंडात पुन्हा गुंतवला जातो, गुंतवणूकदारांना परताव्यावर परतावा मिळतो. आणि तेच चक्र वर्षानुवर्षे चालू राहते. चक्रवाढ शक्तीचा जास्तीत जास्त फायदा घेण्यासाठी, गुंतवणूकदारांनी लहान वयातच बचत सुरू करावी.

मार्केटला वेळ देण्याची गरज नाही

SIP सह, गुंतवणूकदारांना बाजाराच्या वेळेबद्दल काळजी करण्याची गरज नाही. एसआयपी गुंतवणूकदारांना किंमतीची सरासरी काढून बाजारातील अस्थिरता दूर करण्यास मदत करते कारण ते विविध स्तरांवर नियमितपणे एक निश्चित रक्कम गुंतवतात.

आर्थिक उद्दिष्टे साध्य करण्याचा सोपा मार्ग

तुम्ही SIP द्वारे नियमित गुंतवणूकदार बनत असताना, तुम्ही तुमच्या आर्थिक उद्दिष्टांची योजना सहजपणे करू शकता. उदाहरणार्थ, तुमचे अल्प-मुदतीचे उद्दिष्ट 2 वर्षांत कार विकत घेण्याचे असेल, तर तुम्ही डेट फंडात गुंतवणूक करू शकता आणि तुम्ही सेट केले असल्यासनिवृत्ती नियोजन तुमचे दीर्घकालीन उद्दिष्ट म्हणून, तुम्ही SIP द्वारे इक्विटी फंडांमध्ये गुंतवणूक करावी. दीर्घकाळापर्यंत बचत करण्याची नियमित सवय एसआयपी देखील तयार करते. ज्या गुंतवणूकदारांना त्यांच्या गुंतवणुकीतील सर्व फायदे मिळवायचे आहेत त्यांनी म्युच्युअल फंडामध्ये एसआयपीचा मार्ग स्वीकारावा.

एसआयपी रिटर्न कॅल्क्युलेटर किंवा म्युच्युअल फंड कॅल्क्युलेटर

एसिप कॅल्क्युलेटर म्युच्युअल फंडामध्ये गुंतवणूक करताना वापरण्यासाठी हे सर्वात स्मार्ट साधन आहे. हे तुमच्या SIP गुंतवणुकीवर अपेक्षित परतावा निर्धारित करण्यात मदत करते. तुम्ही तुमच्या गुंतवणुकीसाठी आवश्यक असलेली रक्कम आणि विशिष्ट आर्थिक उद्दिष्ट गाठण्यासाठी तुम्हाला गुंतवलेल्या कालावधीची गणना करू शकता.

एसआयपी कॅल्क्युलेटर वापरताना, एखाद्याला काही व्हेरिएबल्स भरावे लागतात, ज्यामध्ये हे समाविष्ट असते-

गुंतवणुकीची रक्कम
इच्छित गुंतवणूक कालावधी
अपेक्षितमहागाई पुढील वर्षांसाठी दर (वार्षिक).
गुंतवणुकीवर दीर्घकालीन वाढीचा दर

एकदा तुम्ही वर नमूद केलेली सर्व माहिती फीड केल्यावर, कॅल्क्युलेटर तुम्हाला तुमच्या गुंतवणुकीच्या कालावधीनंतर मिळणाऱ्या रकमेचा अंदाज लावेल, तसेच तुम्हाला मिळणाऱ्या निव्वळ नफ्यासह.

Disclaimer:
येथे प्रदान केलेली माहिती अचूक असल्याची खात्री करण्यासाठी सर्व प्रयत्न केले गेले आहेत. तथापि, डेटाच्या अचूकतेबद्दल कोणतीही हमी दिली जात नाही. कृपया कोणतीही गुंतवणूक करण्यापूर्वी योजना माहिती दस्तऐवजासह सत्यापित करा.