SIP 2022 साठी सर्वोत्तम म्युच्युअल फंड

Updated on August 8, 2025 , 14373 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 (%)
ICICI Prudential Infrastructure Fund Growth	₹190.55 ↓ -0.94	₹8,043	100	6.2	7.6	0.6	29.5	35.9	27.4
HDFC Infrastructure Fund Growth	₹46.767 ↓ -0.20	₹2,591	300	6.1	7.9	-2.2	29.8	34.1	23
Nippon India Small Cap Fund Growth	₹164.669 ↓ -1.81	₹66,602	100	7.8	4.1	-4.8	24	34	26.1
Motilal Oswal Midcap 30 Fund Growth	₹99.4516 ↓ -2.77	₹33,053	500	4.3	2.1	1.8	27.4	33.3	57.1
Bandhan Infrastructure Fund Growth	₹49.006 ↓ -0.53	₹1,749	100	6.1	5.3	-10.9	27.9	32.9	39.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Aug 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Infrastructure Fund	HDFC Infrastructure Fund	Nippon India Small Cap Fund	Motilal Oswal Midcap 30 Fund	Bandhan Infrastructure Fund
Point 1	Lower mid AUM (₹8,043 Cr).	Bottom quartile AUM (₹2,591 Cr).	Highest AUM (₹66,602 Cr).	Upper mid AUM (₹33,053 Cr).	Bottom quartile AUM (₹1,749 Cr).
Point 2	Oldest track record among peers (19 yrs).	Established history (17+ yrs).	Established history (14+ yrs).	Established history (11+ yrs).	Established history (14+ yrs).
Point 3	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).	Top rated.
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.
Point 5	5Y return: 35.89% (top quartile).	5Y return: 34.10% (upper mid).	5Y return: 34.05% (lower mid).	5Y return: 33.29% (bottom quartile).	5Y return: 32.92% (bottom quartile).
Point 6	3Y return: 29.47% (upper mid).	3Y return: 29.80% (top quartile).	3Y return: 23.96% (bottom quartile).	3Y return: 27.39% (bottom quartile).	3Y return: 27.94% (lower mid).
Point 7	1Y return: 0.64% (upper mid).	1Y return: -2.17% (lower mid).	1Y return: -4.79% (bottom quartile).	1Y return: 1.83% (top quartile).	1Y return: -10.90% (bottom quartile).
Point 8	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: -2.86 (bottom quartile).	Alpha: 3.89 (top quartile).	Alpha: 0.00 (bottom quartile).
Point 9	Sharpe: 0.01 (upper mid).	Sharpe: -0.23 (bottom quartile).	Sharpe: -0.10 (lower mid).	Sharpe: 0.23 (top quartile).	Sharpe: -0.29 (bottom quartile).
Point 10	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: -0.10 (bottom quartile).	Information ratio: 0.44 (top quartile).	Information ratio: 0.00 (bottom quartile).

ICICI Prudential Infrastructure Fund

Lower mid AUM (₹8,043 Cr).
Oldest track record among peers (19 yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 35.89% (top quartile).
3Y return: 29.47% (upper mid).
1Y return: 0.64% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.01 (upper mid).
Information ratio: 0.00 (upper mid).

HDFC Infrastructure Fund

Bottom quartile AUM (₹2,591 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 34.10% (upper mid).
3Y return: 29.80% (top quartile).
1Y return: -2.17% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.23 (bottom quartile).
Information ratio: 0.00 (lower mid).

Nippon India Small Cap Fund

Highest AUM (₹66,602 Cr).
Established history (14+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 34.05% (lower mid).
3Y return: 23.96% (bottom quartile).
1Y return: -4.79% (bottom quartile).
Alpha: -2.86 (bottom quartile).
Sharpe: -0.10 (lower mid).
Information ratio: -0.10 (bottom quartile).

Motilal Oswal Midcap 30 Fund

Upper mid AUM (₹33,053 Cr).
Established history (11+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 33.29% (bottom quartile).
3Y return: 27.39% (bottom quartile).
1Y return: 1.83% (top quartile).
Alpha: 3.89 (top quartile).
Sharpe: 0.23 (top quartile).
Information ratio: 0.44 (top quartile).

Bandhan Infrastructure Fund

Bottom quartile AUM (₹1,749 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: High.
5Y return: 32.92% (bottom quartile).
3Y return: 27.94% (lower mid).
1Y return: -10.90% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.29 (bottom quartile).
Information ratio: 0.00 (bottom quartile).

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	₹49.8959 ↓ 0.00	₹209	500	2.2	18	22.3	14.7	7.8	6.94%	2Y 29D	2Y 9M 7D
Aditya Birla Sun Life Credit Risk Fund Growth	₹22.5995 ↑ 0.01	₹1,014	100	2.8	9.1	16.6	10.5	11.9	7.76%	2Y 1M 24D	3Y 2M 5D
Aditya Birla Sun Life Medium Term Plan Growth	₹40.2634 ↑ 0.01	₹2,732	1,000	2.3	7.4	13.4	9.5	10.5	7.52%	3Y 7M 17D	4Y 10M 10D
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
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 8 Aug 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP Credit Risk Fund	Aditya Birla Sun Life Credit Risk Fund	Aditya Birla Sun Life Medium Term Plan	Sundaram Short Term Debt Fund	Sundaram Low Duration Fund
Point 1	Bottom quartile AUM (₹209 Cr).	Upper mid AUM (₹1,014 Cr).	Highest AUM (₹2,732 Cr).	Bottom quartile AUM (₹362 Cr).	Lower mid AUM (₹550 Cr).
Point 2	Oldest track record among peers (22 yrs).	Established history (10+ yrs).	Established history (16+ yrs).	Established history (22+ yrs).	Established history (18+ yrs).
Point 3	Top rated.	Not Rated.	Rating: 4★ (upper mid).	Rating: 2★ (lower mid).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.
Point 5	1Y return: 22.33% (top quartile).	1Y return: 16.57% (upper mid).	1Y return: 13.37% (lower mid).	1Y return: 12.83% (bottom quartile).	1Y return: 11.79% (bottom quartile).
Point 6	1M return: 0.17% (bottom quartile).	1M return: 0.61% (top quartile).	1M return: 0.43% (upper mid).	1M return: 0.20% (bottom quartile).	1M return: 0.28% (lower mid).
Point 7	Sharpe: 1.67 (lower mid).	Sharpe: 2.40 (upper mid).	Sharpe: 3.02 (top quartile).	Sharpe: 0.98 (bottom quartile).	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): 6.94% (lower mid).	Yield to maturity (debt): 7.76% (top quartile).	Yield to maturity (debt): 7.52% (upper mid).	Yield to maturity (debt): 4.52% (bottom quartile).	Yield to maturity (debt): 4.19% (bottom quartile).
Point 10	Modified duration: 2.08 yrs (lower mid).	Modified duration: 2.15 yrs (bottom quartile).	Modified duration: 3.63 yrs (bottom quartile).	Modified duration: 1.20 yrs (upper mid).	Modified duration: 0.47 yrs (top quartile).

DSP Credit Risk Fund

Bottom quartile AUM (₹209 Cr).
Oldest track record among peers (22 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 22.33% (top quartile).
1M return: 0.17% (bottom quartile).
Sharpe: 1.67 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.94% (lower mid).
Modified duration: 2.08 yrs (lower mid).

Aditya Birla Sun Life Credit Risk Fund

Upper mid AUM (₹1,014 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 16.57% (upper mid).
1M return: 0.61% (top quartile).
Sharpe: 2.40 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.76% (top quartile).
Modified duration: 2.15 yrs (bottom quartile).

Aditya Birla Sun Life Medium Term Plan

Highest AUM (₹2,732 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 13.37% (lower mid).
1M return: 0.43% (upper mid).
Sharpe: 3.02 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.52% (upper mid).
Modified duration: 3.63 yrs (bottom quartile).

Sundaram Short Term Debt Fund

Bottom quartile AUM (₹362 Cr).
Established history (22+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately Low.
1Y return: 12.83% (bottom quartile).
1M return: 0.20% (bottom quartile).
Sharpe: 0.98 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 4.52% (bottom quartile).
Modified duration: 1.20 yrs (upper mid).

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 (%)
JM Equity Hybrid Fund Growth	₹117.264 ↓ -1.68	₹862	500	3	0.1	-5.7	20.1	21	27
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹37.15 ↓ -0.48	₹1,250	1,000	6.2	2.8	-2.1	19.2	24	25.8
ICICI Prudential Multi-Asset Fund Growth	₹750.659 ↑ 0.64	₹62,014	100	2	5.5	8.8	19.1	23.1	16.1
HDFC Balanced Advantage Fund Growth	₹509.362 ↓ -2.81	₹102,790	300	2.2	4.4	1.4	19	23.3	16.7
ICICI Prudential Equity and Debt Fund Growth	₹385.63 ↓ -2.25	₹44,552	100	2.1	5.9	4.7	18.9	24.7	17.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Aug 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	JM Equity Hybrid Fund	BOI AXA Mid and Small Cap Equity and Debt Fund	ICICI Prudential Multi-Asset Fund	HDFC Balanced Advantage Fund	ICICI Prudential Equity and Debt Fund
Point 1	Bottom quartile AUM (₹862 Cr).	Bottom quartile AUM (₹1,250 Cr).	Upper mid AUM (₹62,014 Cr).	Highest AUM (₹102,790 Cr).	Lower mid AUM (₹44,552 Cr).
Point 2	Oldest track record among peers (30 yrs).	Established history (9+ yrs).	Established history (22+ yrs).	Established history (24+ yrs).	Established history (25+ yrs).
Point 3	Rating: 1★ (bottom quartile).	Not Rated.	Rating: 2★ (lower mid).	Top rated.	Rating: 4★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 20.96% (bottom quartile).	5Y return: 23.97% (upper mid).	5Y return: 23.09% (bottom quartile).	5Y return: 23.32% (lower mid).	5Y return: 24.67% (top quartile).
Point 6	3Y return: 20.07% (top quartile).	3Y return: 19.17% (upper mid).	3Y return: 19.11% (lower mid).	3Y return: 19.00% (bottom quartile).	3Y return: 18.91% (bottom quartile).
Point 7	1Y return: -5.69% (bottom quartile).	1Y return: -2.06% (bottom quartile).	1Y return: 8.76% (top quartile).	1Y return: 1.40% (lower mid).	1Y return: 4.69% (upper mid).
Point 8	1M return: -4.34% (bottom quartile).	1M return: -3.73% (bottom quartile).	1M return: -1.42% (top quartile).	1M return: -2.87% (lower mid).	1M return: -2.22% (upper mid).
Point 9	Alpha: -6.24 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 2.78 (top quartile).
Point 10	Sharpe: -0.41 (bottom quartile).	Sharpe: -0.08 (bottom quartile).	Sharpe: 0.66 (top quartile).	Sharpe: 0.00 (lower mid).	Sharpe: 0.33 (upper mid).

JM Equity Hybrid Fund

Bottom quartile AUM (₹862 Cr).
Oldest track record among peers (30 yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 20.96% (bottom quartile).
3Y return: 20.07% (top quartile).
1Y return: -5.69% (bottom quartile).
1M return: -4.34% (bottom quartile).
Alpha: -6.24 (bottom quartile).
Sharpe: -0.41 (bottom quartile).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,250 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 23.97% (upper mid).
3Y return: 19.17% (upper mid).
1Y return: -2.06% (bottom quartile).
1M return: -3.73% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.08 (bottom quartile).

ICICI Prudential Multi-Asset Fund

Upper mid AUM (₹62,014 Cr).
Established history (22+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 23.09% (bottom quartile).
3Y return: 19.11% (lower mid).
1Y return: 8.76% (top quartile).
1M return: -1.42% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.66 (top quartile).

HDFC Balanced Advantage Fund

Highest AUM (₹102,790 Cr).
Established history (24+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 23.32% (lower mid).
3Y return: 19.00% (bottom quartile).
1Y return: 1.40% (lower mid).
1M return: -2.87% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.00 (lower mid).

ICICI Prudential Equity and Debt Fund

Lower mid AUM (₹44,552 Cr).
Established history (25+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 24.67% (top quartile).
3Y return: 18.91% (bottom quartile).
1Y return: 4.69% (upper mid).
1M return: -2.22% (upper mid).
Alpha: 2.78 (top quartile).
Sharpe: 0.33 (upper mid).

1. DSP World Gold Fund

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

Research Highlights for DSP World Gold Fund

Bottom quartile AUM (₹1,202 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: High.
5Y return: 8.19% (bottom quartile).
3Y return: 35.39% (top quartile).
1Y return: 73.50% (top quartile).
Alpha: 1.97 (top quartile).
Sharpe: 1.80 (top quartile).
Information ratio: -0.35 (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 (~77.8%).
Top-3 holdings concentration ~100.3%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (07 Aug 25)	₹34.0465 ↑ 0.59 (1.76 %)
Net Assets (Cr)	₹1,202 on 30 Jun 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.35
Sharpe Ratio	1.8
Information Ratio	-0.35
Alpha Ratio	1.97
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹8,272
31 Jul 22	₹6,099
31 Jul 23	₹7,748
31 Jul 24	₹9,223
31 Jul 25	₹13,652

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹376,357.
Net Profit of ₹76,357 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 7 Aug 25

Duration	Returns
1 Month	11.1%
3 Month	17.9%
6 Month	37.7%
1 Year	73.5%
3 Year	35.4%
5 Year	8.2%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	15.9%
2023	7%
2022	-7.7%
2021	-9%
2020	31.4%
2019	35.1%
2018	-10.7%
2017	-4%
2016	52.7%
2015	-18.5%

Fund Manager information for DSP World Gold Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	12.43 Yr.

Data below for DSP World Gold Fund as on 30 Jun 25

Equity Sector Allocation

Sector	Value
Basic Materials	94.86%

Asset Allocation

Asset Class	Value
Cash	2.29%
Equity	95.12%
Debt	0.02%
Other	2.57%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	78%	₹935 Cr	1,610,898 ↓ -37,716
VanEck Gold Miners ETF - \| GDX	21%	₹255 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	1%	₹14 Cr
Net Receivables/Payables CBLO \| -	0%	-₹3 Cr

2. 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 (₹5,427 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 29.83% (upper mid).
3Y return: 32.01% (upper mid).
1Y return: -7.64% (bottom quartile).
Alpha: 0.60 (lower mid).
Sharpe: -0.23 (bottom quartile).
Information ratio: -0.28 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~13.0%).

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (08 Aug 25)	₹31.0237 ↑ 0.07 (0.22 %)
Net Assets (Cr)	₹5,427 on 30 Jun 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	2.3
Sharpe Ratio	-0.23
Information Ratio	-0.28
Alpha Ratio	0.6
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹14,638
31 Jul 22	₹15,923
31 Jul 23	₹22,376
31 Jul 24	₹41,987
31 Jul 25	₹37,410

SBI PSU 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 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 7 Aug 25

Duration	Returns
1 Month	-4.7%
3 Month	3.5%
6 Month	7.1%
1 Year	-7.6%
3 Year	32%
5 Year	29.8%
10 Year
15 Year
Since launch	7.8%

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	1.17 Yr.

Data below for SBI PSU Fund as on 30 Jun 25

Equity Sector Allocation

Sector	Value
Financial Services	34.3%
Utility	27.57%
Energy	15.13%
Industrials	12.97%
Basic Materials	5.37%

Asset Allocation

Asset Class	Value
Cash	4.57%
Equity	95.34%
Debt	0.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	13%	₹704 Cr	8,577,500
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	10%	₹547 Cr	12,975,000 ↓ -600,000
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| 532155	9%	₹491 Cr	25,750,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| 532898	8%	₹454 Cr	15,135,554
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| 532555	7%	₹407 Cr	12,143,244
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| 500547	6%	₹322 Cr	9,700,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| 532134	5%	₹274 Cr	11,000,000
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| 526371	4%	₹195 Cr	27,900,000
Oil India Ltd (Energy) Equity, Since 31 Mar 24 \| OIL	3%	₹167 Cr	3,850,000
General Insurance Corp of India (Financial Services) Equity, Since 31 May 24 \| GICRE	3%	₹160 Cr	4,150,000

3. Invesco India PSU Equity Fund

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

Research Highlights for Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,439 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 27.56% (bottom quartile).
3Y return: 31.34% (lower mid).
1Y return: -8.75% (bottom quartile).
Alpha: 0.81 (upper mid).
Sharpe: -0.23 (bottom quartile).
Information ratio: -0.15 (lower mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding Bharat Electronics Ltd (~9.3%).

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund Growth
Launch Date	18 Nov 09
NAV (08 Aug 25)	₹61.19 ↓ -0.29 (-0.47 %)
Net Assets (Cr)	₹1,439 on 30 Jun 25
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.39
Sharpe Ratio	-0.23
Information Ratio	-0.15
Alpha Ratio	0.81
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹14,085
31 Jul 22	₹14,778
31 Jul 23	₹20,815
31 Jul 24	₹39,047
31 Jul 25	₹34,468

Invesco India PSU Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181 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 7 Aug 25

Duration	Returns
1 Month	-7.4%
3 Month	5.2%
6 Month	10.1%
1 Year	-8.8%
3 Year	31.3%
5 Year	27.6%
10 Year
15 Year
Since launch	12.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	25.6%
2023	54.5%
2022	20.5%
2021	31.1%
2020	6.1%
2019	10.1%
2018	-16.9%
2017	24.3%
2016	17.9%
2015	2.5%

Fund Manager information for Invesco India PSU Equity Fund

Name	Since	Tenure
Hiten Jain	1 Jul 25	0.08 Yr.
Sagar Gandhi	1 Jul 25	0.08 Yr.

Data below for Invesco India PSU Equity Fund as on 30 Jun 25

Equity Sector Allocation

Sector	Value
Industrials	29.23%
Utility	27.15%
Financial Services	20.44%
Energy	15.81%
Basic Materials	4.05%

Asset Allocation

Asset Class	Value
Cash	3.31%
Equity	96.69%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharat Electronics Ltd (Industrials) Equity, Since 31 Mar 17 \| BEL	9%	₹134 Cr	3,178,489
Bharat Petroleum Corp Ltd (Energy) Equity, Since 30 Sep 18 \| 500547	8%	₹114 Cr	3,445,961
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	8%	₹112 Cr	1,365,114
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| HAL	8%	₹110 Cr	226,465 ↑ 12,941
Power Grid Corp Of India Ltd (Utilities) Equity, Since 28 Feb 22 \| 532898	8%	₹108 Cr	3,599,413
NTPC Ltd (Utilities) Equity, Since 31 May 19 \| 532555	7%	₹103 Cr	3,085,790
Hindustan Petroleum Corp Ltd (Energy) Equity, Since 30 Nov 23 \| HINDPETRO	5%	₹69 Cr	1,564,169
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	4%	₹62 Cr	5,911,723
GAIL (India) Ltd (Utilities) Equity, Since 28 Feb 23 \| 532155	4%	₹59 Cr	3,089,630
NHPC Ltd (Utilities) Equity, Since 31 Oct 22 \| NHPC	4%	₹58 Cr	6,816,616

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 (₹7,200 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 29.08% (lower mid).
3Y return: 30.21% (bottom quartile).
1Y return: 1.53% (upper mid).
Alpha: -1.73 (bottom quartile).
Sharpe: -0.09 (upper mid).
Information ratio: 1.71 (top 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 Reliance Industries Ltd (~6.3%).

Below is the key information for Franklin India Opportunities Fund

Franklin India Opportunities Fund Growth
Launch Date	21 Feb 00
NAV (08 Aug 25)	₹247.008 ↓ -2.29 (-0.92 %)
Net Assets (Cr)	₹7,200 on 30 Jun 25
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.12
Sharpe Ratio	-0.09
Information Ratio	1.71
Alpha Ratio	-1.73
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹16,320
31 Jul 22	₹16,368
31 Jul 23	₹21,841
31 Jul 24	₹36,906
31 Jul 25	₹36,999

Franklin India Opportunities 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 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 7 Aug 25

Duration	Returns
1 Month	-1.8%
3 Month	4.8%
6 Month	4.8%
1 Year	1.5%
3 Year	30.2%
5 Year	29.1%
10 Year
15 Year
Since launch	13.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	37.3%
2023	53.6%
2022	-1.9%
2021	29.7%
2020	27.3%
2019	5.4%
2018	-10.1%
2017	35.6%
2016	4.2%
2015	2.3%

Fund Manager information for Franklin India Opportunities Fund

Name	Since	Tenure
Kiran Sebastian	7 Feb 22	3.48 Yr.
R. Janakiraman	1 Apr 13	12.34 Yr.
Sandeep Manam	18 Oct 21	3.79 Yr.

Data below for Franklin India Opportunities Fund as on 30 Jun 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	18.52%
Financial Services	17.94%
Health Care	12.34%
Technology	9.85%
Basic Materials	8.68%
Communication Services	6.9%
Energy	6.33%
Consumer Defensive	4.94%
Industrials	4.27%
Utility	2.95%
Real Estate	2.17%

Asset Allocation

Asset Class	Value
Cash	5.1%
Equity	94.9%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 22 \| RELIANCE	6%	₹456 Cr	3,038,968
HDFC Bank Ltd (Financial Services) Equity, Since 31 May 24 \| HDFCBANK	6%	₹409 Cr	2,043,971
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 25 \| 532215	5%	₹354 Cr	2,950,277 ↑ 1,002,248
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 24 \| BHARTIARTL	4%	₹270 Cr	1,342,233
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| 543320	4%	₹268 Cr	10,130,262 ↑ 3,731,849
Hindustan Unilever Ltd (Consumer Defensive) Equity, Since 30 Jun 24 \| HINDUNILVR	4%	₹257 Cr	1,121,657
NTPC Ltd (Utilities) Equity, Since 31 Aug 22 \| 532555	3%	₹212 Cr	6,333,312 ↑ 3,900,867
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Apr 25 \| MARUTI	3%	₹210 Cr	169,582 ↑ 86,684
HDFC Life Insurance Co Ltd (Financial Services) Equity, Since 31 Jul 24 \| HDFCLIFE	3%	₹208 Cr	2,560,258 ↑ 447,066
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 May 24 \| M&M	3%	₹203 Cr	637,966

5. 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

Lower mid AUM (₹2,591 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 34.10% (top quartile).
3Y return: 29.80% (bottom quartile).
1Y return: -2.17% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.23 (lower mid).
Information ratio: 0.00 (upper mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~93%).
Largest holding ICICI Bank Ltd (~7.3%).

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund Growth
Launch Date	10 Mar 08
NAV (08 Aug 25)	₹46.767 ↓ -0.20 (-0.43 %)
Net Assets (Cr)	₹2,591 on 30 Jun 25
Category	Equity - Sectoral
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	2.31
Sharpe Ratio	-0.23
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 Jul 20	₹10,000
31 Jul 21	₹18,825
31 Jul 22	₹20,454
31 Jul 23	₹29,022
31 Jul 24	₹48,197
31 Jul 25	₹45,754

HDFC Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹705,310.
Net Profit of ₹405,310 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 7 Aug 25

Duration	Returns
1 Month	-3.2%
3 Month	6.1%
6 Month	7.9%
1 Year	-2.2%
3 Year	29.8%
5 Year	34.1%
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
Srinivasan Ramamurthy	12 Jan 24	1.55 Yr.
Dhruv Muchhal	22 Jun 23	2.11 Yr.

Data below for HDFC Infrastructure Fund as on 30 Jun 25

Equity Sector Allocation

Sector	Value
Industrials	39.21%
Financial Services	19.99%
Basic Materials	10.82%
Utility	6.94%
Energy	6.55%
Communication Services	3.93%
Real Estate	2.13%
Health Care	1.68%
Technology	1.43%
Consumer Cyclical	0.5%

Asset Allocation

Asset Class	Value
Cash	6.83%
Equity	93.17%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| 532174	7%	₹188 Cr	1,300,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Aug 23 \| HDFCBANK	5%	₹140 Cr	700,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 12 \| LT	5%	₹139 Cr	380,000
J Kumar Infraprojects Ltd (Industrials) Equity, Since 31 Oct 15 \| JKIL	4%	₹101 Cr	1,400,000 ↓ -50,000
Kalpataru Projects International Ltd (Industrials) Equity, Since 31 Jan 23 \| KPIL	4%	₹93 Cr	758,285
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Dec 21 \| INDIGO	3%	₹90 Cr	150,000
Reliance Industries Ltd (Energy) Equity, Since 31 May 24 \| RELIANCE	3%	₹75 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%	₹70 Cr	350,000
G R Infraprojects Ltd (Industrials) Equity, Since 31 Jul 21 \| 543317	2%	₹62 Cr	470,000

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.