SIP 2022 साठी सर्वोत्तम म्युच्युअल फंड

Updated on March 8, 2026 , 14770 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 (%)
DSP World Gold Fund Growth	₹62.799 ↑ 0.52	₹1,975	500	28.2	58.2	154.1	60.6	29.4	167.1
SBI PSU Fund Growth	₹35.3611 ↑ 0.36	₹5,980	500	8.2	13.2	27.9	31.7	26.4	11.3
Invesco India PSU Equity Fund Growth	₹66.35 ↑ 0.92	₹1,492	500	4.2	7.6	26.4	29.8	24.4	10.3
ICICI Prudential Infrastructure Fund Growth	₹187.29 ↑ 2.61	₹8,077	100	-2.8	-2.8	11.3	22.4	24.3	6.7
DSP India T.I.G.E.R Fund Growth	₹317.705 ↑ 3.31	₹5,184	500	3.2	1.2	18.6	24.8	23.2	-2.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Mar 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP World Gold Fund	SBI PSU Fund	Invesco India PSU Equity Fund	ICICI Prudential Infrastructure Fund	DSP India T.I.G.E.R Fund
Point 1	Bottom quartile AUM (₹1,975 Cr).	Upper mid AUM (₹5,980 Cr).	Bottom quartile AUM (₹1,492 Cr).	Highest AUM (₹8,077 Cr).	Lower mid AUM (₹5,184 Cr).
Point 2	Established history (18+ yrs).	Established history (15+ yrs).	Established history (16+ yrs).	Established history (20+ yrs).	Oldest track record among peers (21 yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Top rated.
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 29.40% (top quartile).	5Y return: 26.35% (upper mid).	5Y return: 24.41% (lower mid).	5Y return: 24.32% (bottom quartile).	5Y return: 23.16% (bottom quartile).
Point 6	3Y return: 60.64% (top quartile).	3Y return: 31.74% (upper mid).	3Y return: 29.76% (lower mid).	3Y return: 22.36% (bottom quartile).	3Y return: 24.85% (bottom quartile).
Point 7	1Y return: 154.15% (top quartile).	1Y return: 27.92% (upper mid).	1Y return: 26.36% (lower mid).	1Y return: 11.28% (bottom quartile).	1Y return: 18.58% (bottom quartile).
Point 8	Alpha: 2.12 (top quartile).	Alpha: 0.05 (upper mid).	Alpha: -2.70 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).
Point 9	Sharpe: 3.41 (top quartile).	Sharpe: 0.63 (upper mid).	Sharpe: 0.53 (lower mid).	Sharpe: 0.15 (bottom quartile).	Sharpe: 0.08 (bottom quartile).
Point 10	Information ratio: -0.47 (lower mid).	Information ratio: -0.63 (bottom quartile).	Information ratio: -0.50 (bottom quartile).	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).

DSP World Gold Fund

Bottom quartile AUM (₹1,975 Cr).
Established history (18+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 29.40% (top quartile).
3Y return: 60.64% (top quartile).
1Y return: 154.15% (top quartile).
Alpha: 2.12 (top quartile).
Sharpe: 3.41 (top quartile).
Information ratio: -0.47 (lower mid).

SBI PSU Fund

Upper mid AUM (₹5,980 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 26.35% (upper mid).
3Y return: 31.74% (upper mid).
1Y return: 27.92% (upper mid).
Alpha: 0.05 (upper mid).
Sharpe: 0.63 (upper mid).
Information ratio: -0.63 (bottom quartile).

Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,492 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 24.41% (lower mid).
3Y return: 29.76% (lower mid).
1Y return: 26.36% (lower mid).
Alpha: -2.70 (bottom quartile).
Sharpe: 0.53 (lower mid).
Information ratio: -0.50 (bottom quartile).

ICICI Prudential Infrastructure Fund

Highest AUM (₹8,077 Cr).
Established history (20+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 24.32% (bottom quartile).
3Y return: 22.36% (bottom quartile).
1Y return: 11.28% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.15 (bottom quartile).
Information ratio: 0.00 (top quartile).

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

Lower mid AUM (₹5,184 Cr).
Oldest track record among peers (21 yrs).
Top rated.
Risk profile: High.
5Y return: 23.16% (bottom quartile).
3Y return: 24.85% (bottom quartile).
1Y return: 18.58% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.08 (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
Aditya Birla Sun Life Credit Risk Fund Growth	₹24.3524 ↑ 0.02	₹1,138	100	4.8	7.2	13.3	12	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
Sundaram Low Duration Fund Growth	₹28.8391 ↑ 0.01	₹550	1,000	1	10.2	11.8	5		4.19%	5M 18D	8M 1D
Aditya Birla Sun Life Medium Term Plan Growth	₹42.3514 ↑ 0.05	₹2,982	1,000	3	4.9	10.2	10	10.9	7.78%	3Y 4M 24D	4Y 6M 7D
Nippon India Strategic Debt Fund Growth	₹16.4153 ↑ 0.02	₹136	100	1.4	3	9.5	8.6	9.6	7.1%	3Y 6M 29D	4Y 8M 8D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Mar 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Credit Risk Fund	Sundaram Short Term Debt Fund	Sundaram Low Duration Fund	Aditya Birla Sun Life Medium Term Plan	Nippon India Strategic Debt Fund
Point 1	Upper mid AUM (₹1,138 Cr).	Bottom quartile AUM (₹362 Cr).	Lower mid AUM (₹550 Cr).	Highest AUM (₹2,982 Cr).	Bottom quartile AUM (₹136 Cr).
Point 2	Established history (10+ yrs).	Oldest track record among peers (23 yrs).	Established history (18+ yrs).	Established history (16+ yrs).	Established history (11+ yrs).
Point 3	Not Rated.	Rating: 2★ (lower mid).	Rating: 2★ (bottom quartile).	Top rated.	Rating: 4★ (upper mid).
Point 4	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 13.31% (top quartile).	1Y return: 12.83% (upper mid).	1Y return: 11.79% (lower mid).	1Y return: 10.24% (bottom quartile).	1Y return: 9.52% (bottom quartile).
Point 6	1M return: 0.54% (lower mid).	1M return: 0.20% (bottom quartile).	1M return: 0.28% (bottom quartile).	1M return: 0.61% (upper mid).	1M return: 0.79% (top quartile).
Point 7	Sharpe: 2.38 (top quartile).	Sharpe: 0.98 (bottom quartile).	Sharpe: 0.99 (bottom quartile).	Sharpe: 2.33 (upper mid).	Sharpe: 1.03 (lower mid).
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): 7.96% (top quartile).	Yield to maturity (debt): 4.52% (bottom quartile).	Yield to maturity (debt): 4.19% (bottom quartile).	Yield to maturity (debt): 7.78% (upper mid).	Yield to maturity (debt): 7.10% (lower mid).
Point 10	Modified duration: 2.41 yrs (lower mid).	Modified duration: 1.20 yrs (upper mid).	Modified duration: 0.47 yrs (top quartile).	Modified duration: 3.40 yrs (bottom quartile).	Modified duration: 3.58 yrs (bottom quartile).

Aditya Birla Sun Life Credit Risk Fund

Upper mid AUM (₹1,138 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 13.31% (top quartile).
1M return: 0.54% (lower mid).
Sharpe: 2.38 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.96% (top quartile).
Modified duration: 2.41 yrs (lower mid).

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% (upper mid).
1M return: 0.20% (bottom quartile).
Sharpe: 0.98 (bottom quartile).
Information ratio: 0.00 (upper mid).
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% (lower mid).
1M return: 0.28% (bottom quartile).
Sharpe: 0.99 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 4.19% (bottom quartile).
Modified duration: 0.47 yrs (top quartile).

Aditya Birla Sun Life Medium Term Plan

Highest AUM (₹2,982 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 10.24% (bottom quartile).
1M return: 0.61% (upper mid).
Sharpe: 2.33 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.78% (upper mid).
Modified duration: 3.40 yrs (bottom quartile).

Nippon India Strategic Debt Fund

Bottom quartile AUM (₹136 Cr).
Established history (11+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 9.52% (bottom quartile).
1M return: 0.79% (top quartile).
Sharpe: 1.03 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.10% (lower mid).
Modified duration: 3.58 yrs (bottom 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	₹77.7764 ↑ 0.87	₹6,848	500	-0.4	3	14.7	19.4	13.9	11.1
SBI Multi Asset Allocation Fund Growth	₹65.8993 ↑ 0.53	₹14,944	500	2.6	9.5	22.2	19.2	14.7	18.6
ICICI Prudential Multi-Asset Fund Growth	₹796.15 ↓ -8.43	₹80,768	100	-1.4	3.5	13.7	18.5	18.6	18.6
ICICI Prudential Equity and Debt Fund Growth	₹396.79 ↑ 3.53	₹49,257	100	-2.5	-0.1	12.6	18.1	17.8	13.3
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹37.35 ↑ 0.48	₹1,329	1,000	0.2	-1.6	12.9	17.8	16.7	-0.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Mar 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	BOI AXA Mid and Small Cap Equity and Debt Fund
Point 1	Bottom quartile AUM (₹6,848 Cr).	Lower mid AUM (₹14,944 Cr).	Highest AUM (₹80,768 Cr).	Upper mid AUM (₹49,257 Cr).	Bottom quartile AUM (₹1,329 Cr).
Point 2	Established history (17+ yrs).	Established history (20+ yrs).	Established history (23+ yrs).	Oldest track record among peers (26 yrs).	Established history (9+ yrs).
Point 3	Rating: 1★ (bottom quartile).	Top rated.	Rating: 2★ (lower mid).	Rating: 4★ (upper mid).	Not Rated.
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: 13.93% (bottom quartile).	5Y return: 14.67% (bottom quartile).	5Y return: 18.56% (top quartile).	5Y return: 17.81% (upper mid).	5Y return: 16.72% (lower mid).
Point 6	3Y return: 19.35% (top quartile).	3Y return: 19.17% (upper mid).	3Y return: 18.51% (lower mid).	3Y return: 18.10% (bottom quartile).	3Y return: 17.81% (bottom quartile).
Point 7	1Y return: 14.72% (upper mid).	1Y return: 22.17% (top quartile).	1Y return: 13.74% (lower mid).	1Y return: 12.62% (bottom quartile).	1Y return: 12.87% (bottom quartile).
Point 8	1M return: -3.30% (lower mid).	1M return: -2.08% (top quartile).	1M return: -3.80% (bottom quartile).	1M return: -3.90% (bottom quartile).	1M return: -2.76% (upper mid).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 3.54 (top quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.76 (lower mid).	Sharpe: 2.05 (top quartile).	Sharpe: 1.48 (upper mid).	Sharpe: 0.62 (bottom quartile).	Sharpe: 0.08 (bottom quartile).

UTI Multi Asset Fund

Bottom quartile AUM (₹6,848 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 13.93% (bottom quartile).
3Y return: 19.35% (top quartile).
1Y return: 14.72% (upper mid).
1M return: -3.30% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.76 (lower mid).

SBI Multi Asset Allocation Fund

Lower mid AUM (₹14,944 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 14.67% (bottom quartile).
3Y return: 19.17% (upper mid).
1Y return: 22.17% (top quartile).
1M return: -2.08% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 2.05 (top quartile).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹80,768 Cr).
Established history (23+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 18.56% (top quartile).
3Y return: 18.51% (lower mid).
1Y return: 13.74% (lower mid).
1M return: -3.80% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.48 (upper mid).

ICICI Prudential Equity and Debt Fund

Upper mid AUM (₹49,257 Cr).
Oldest track record among peers (26 yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.81% (upper mid).
3Y return: 18.10% (bottom quartile).
1Y return: 12.62% (bottom quartile).
1M return: -3.90% (bottom quartile).
Alpha: 3.54 (top quartile).
Sharpe: 0.62 (bottom quartile).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,329 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.72% (lower mid).
3Y return: 17.81% (bottom quartile).
1Y return: 12.87% (bottom quartile).
1M return: -2.76% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.08 (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

Upper mid AUM (₹1,975 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 29.40% (top quartile).
3Y return: 60.64% (top quartile).
1Y return: 154.15% (top quartile).
Alpha: 2.12 (top quartile).
Sharpe: 3.41 (top quartile).
Information ratio: -0.47 (lower mid).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding BGF World Gold I2 (~73.8%).
Top-3 holdings concentration ~100.8%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (09 Mar 26)	₹62.799 ↑ 0.52 (0.84 %)
Net Assets (Cr)	₹1,975 on 31 Jan 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	3.41
Information Ratio	-0.47
Alpha Ratio	2.12
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
28 Feb 21	₹10,000
28 Feb 22	₹10,843
28 Feb 23	₹9,241
29 Feb 24	₹8,778
28 Feb 25	₹13,911
28 Feb 26	₹41,909

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 9 Mar 26

Duration	Returns
1 Month	2.6%
3 Month	28.2%
6 Month	58.2%
1 Year	154.1%
3 Year	60.6%
5 Year	29.4%
10 Year
15 Year
Since launch	10.5%

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	12.93 Yr.

Data below for DSP World Gold Fund as on 31 Jan 26

Equity Sector Allocation

Sector	Value
Basic Materials	95.89%

Asset Allocation

Asset Class	Value
Cash	1.55%
Equity	95.89%
Debt	0.01%
Other	2.56%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	74%	₹1,458 Cr	1,177,658 ↓ -41,596
VanEck Gold Miners ETF - \| GDX	25%	₹497 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	2%	₹35 Cr
Net Receivables/Payables Net Current Assets \| -	1%	-₹15 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

Highest AUM (₹5,980 Cr).
Established history (15+ yrs).
Rating: 2★ (lower mid).
Risk profile: High.
5Y return: 26.35% (upper mid).
3Y return: 31.74% (upper mid).
1Y return: 27.92% (upper mid).
Alpha: 0.05 (lower mid).
Sharpe: 0.63 (upper mid).
Information ratio: -0.63 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~17.9%).
Top-3 holdings concentration ~36.8%.

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (10 Mar 26)	₹35.3611 ↑ 0.36 (1.02 %)
Net Assets (Cr)	₹5,980 on 31 Jan 26
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0.63
Information Ratio	-0.63
Alpha Ratio	0.05
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
28 Feb 21	₹10,000
28 Feb 22	₹11,846
28 Feb 23	₹13,615
29 Feb 24	₹26,250
28 Feb 25	₹24,523
28 Feb 26	₹34,330

SBI PSU 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 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 9 Mar 26

Duration	Returns
1 Month	-2.3%
3 Month	8.2%
6 Month	13.2%
1 Year	27.9%
3 Year	31.7%
5 Year	26.4%
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	1.67 Yr.

Data below for SBI PSU Fund as on 31 Jan 26

Equity Sector Allocation

Sector	Value
Financial Services	34.09%
Utility	29.59%
Energy	13.91%
Industrials	12.42%
Basic Materials	7.01%

Asset Allocation

Asset Class	Value
Cash	2.9%
Equity	97.02%
Debt	0.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	18%	₹1,069 Cr	9,927,500
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	10%	₹583 Cr	12,975,000
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| NTPC	9%	₹550 Cr	15,443,244
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| POWERGRID	9%	₹511 Cr	19,935,554 ↑ 2,300,000
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| GAIL	8%	₹488 Cr	29,150,000
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| BPCL	6%	₹354 Cr	9,700,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| BANKBARODA	6%	₹329 Cr	11,000,000
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| NMDC	4%	₹227 Cr	27,900,000
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| INDIANB	4%	₹221 Cr	2,427,235
Oil India Ltd (Energy) Equity, Since 31 Mar 24 \| OIL	3%	₹196 Cr	3,850,000

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

Lower mid AUM (₹1,492 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 24.41% (lower mid).
3Y return: 29.76% (lower mid).
1Y return: 26.36% (lower mid).
Alpha: -2.70 (bottom quartile).
Sharpe: 0.53 (lower mid).
Information ratio: -0.50 (bottom quartile).
Top sector: Industrials.
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 (10 Mar 26)	₹66.35 ↑ 0.92 (1.41 %)
Net Assets (Cr)	₹1,492 on 31 Jan 26
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.14
Sharpe Ratio	0.53
Information Ratio	-0.5
Alpha Ratio	-2.7
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
28 Feb 21	₹10,000
28 Feb 22	₹11,709
28 Feb 23	₹13,515
29 Feb 24	₹25,468
28 Feb 25	₹22,731
28 Feb 26	₹31,469

Invesco India PSU 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 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 9 Mar 26

Duration	Returns
1 Month	-2.6%
3 Month	4.2%
6 Month	7.6%
1 Year	26.4%
3 Year	29.8%
5 Year	24.4%
10 Year
15 Year
Since launch	12.3%

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	0.59 Yr.
Sagar Gandhi	1 Jul 25	0.59 Yr.

Data below for Invesco India PSU Equity Fund as on 31 Jan 26

Equity Sector Allocation

Sector	Value
Industrials	31.92%
Financial Services	29.89%
Utility	18.15%
Energy	12.64%
Basic Materials	4.19%
Consumer Cyclical	1.08%

Asset Allocation

Asset Class	Value
Cash	2.14%
Equity	97.86%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	9%	₹139 Cr	1,294,989 ↓ -92,628
Bharat Electronics Ltd (Industrials) Equity, Since 31 Mar 17 \| BEL	9%	₹135 Cr	2,997,692
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| INDIANB	7%	₹106 Cr	1,157,444
Bharat Petroleum Corp Ltd (Energy) Equity, Since 30 Sep 18 \| BPCL	7%	₹99 Cr	2,717,009
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| HAL	6%	₹87 Cr	187,643 ↓ -8,515
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	5%	₹79 Cr	9,129,820
Dredging Corp of India Ltd (Industrials) Equity, Since 31 Jul 25 \| DREDGECORP	5%	₹73 Cr	646,300
Bharat Dynamics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| BDL	5%	₹69 Cr	445,685
Bank of Baroda (Financial Services) Equity, Since 30 Jun 21 \| BANKBARODA	5%	₹67 Cr	2,244,222
NTPC Ltd (Utilities) Equity, Since 31 May 19 \| NTPC	4%	₹64 Cr	1,801,543

4. 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 (₹946 Cr).
Established history (18+ yrs).
Not Rated.
Risk profile: High.
5Y return: 22.38% (bottom quartile).
3Y return: 27.43% (bottom quartile).
1Y return: 18.73% (bottom quartile).
Alpha: -6.08 (bottom quartile).
Sharpe: 0.03 (bottom quartile).
Information ratio: 0.29 (top quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding Tata Motors Ltd (~5.1%).

Below is the key information for LIC MF Infrastructure Fund

LIC MF Infrastructure Fund Growth
Launch Date	29 Feb 08
NAV (10 Mar 26)	₹48.8886 ↑ 0.85 (1.76 %)
Net Assets (Cr)	₹946 on 31 Jan 26
Category	Equity - Sectoral
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	Not Rated
Risk	High
Expense Ratio	2.21
Sharpe Ratio	0.03
Information Ratio	0.29
Alpha Ratio	-6.08
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
28 Feb 21	₹10,000
28 Feb 22	₹12,622
28 Feb 23	₹13,475
29 Feb 24	₹21,758
28 Feb 25	₹22,556
28 Feb 26	₹29,283

LIC MF Infrastructure 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 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 9 Mar 26

Duration	Returns
1 Month	-3.4%
3 Month	2.1%
6 Month	-0.9%
1 Year	18.7%
3 Year	27.4%
5 Year	22.4%
10 Year
15 Year
Since launch	9.2%

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	5.38 Yr.
Mahesh Bendre	1 Jul 24	1.59 Yr.

Data below for LIC MF Infrastructure Fund as on 31 Jan 26

Equity Sector Allocation

Sector	Value
Industrials	48.01%
Consumer Cyclical	14.5%
Basic Materials	9.34%
Financial Services	6.56%
Utility	6.33%
Technology	3.72%
Real Estate	3.47%
Health Care	3.21%
Communication Services	2.91%

Asset Allocation

Asset Class	Value
Cash	1.95%
Equity	98.05%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tata Motors Ltd (Consumer Cyclical) Equity, Since 31 Oct 25 \| TMCV	5%	₹48 Cr	1,051,964 ↓ -36,431
Shakti Pumps (India) Ltd (Industrials) Equity, Since 31 Mar 24 \| SHAKTIPUMP	5%	₹43 Cr	686,379
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Apr 09 \| LT	5%	₹43 Cr	108,403
REC Ltd (Financial Services) Equity, Since 31 Jul 23 \| RECLTD	3%	₹33 Cr	901,191
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 30 Jun 25 \| APOLLOHOSP	3%	₹30 Cr	43,674
Garware Hi-Tech Films Ltd (Basic Materials) Equity, Since 31 Aug 23 \| 500655	3%	₹28 Cr	93,271
Schneider Electric Infrastructure Ltd (Industrials) Equity, Since 31 Dec 23 \| SCHNEIDER	3%	₹26 Cr	377,034 ↑ 61,173
Bharat Bijlee Ltd (Industrials) Equity, Since 31 Jul 22 \| BBL	3%	₹26 Cr	92,624
Avalon Technologies Ltd (Technology) Equity, Since 31 Jul 23 \| AVALON	3%	₹25 Cr	289,118
Mahindra Lifespace Developers Ltd (Real Estate) Equity, Since 30 Jun 24 \| MAHLIFE	3%	₹24 Cr	659,065

5. UTI Healthcare Fund

(Erstwhile UTI Pharma & Healthcare Fund)

The Investment objective of the Scheme is capital appreciation through investments in equities and equity related instruments of the Pharma & Healthcare sectors.

Research Highlights for UTI Healthcare Fund

Bottom quartile AUM (₹1,055 Cr).
Oldest track record among peers (26 yrs).
Rating: 1★ (bottom quartile).
Risk profile: High.
5Y return: 15.27% (bottom quartile).
3Y return: 25.78% (bottom quartile).
1Y return: 10.43% (bottom quartile).
Alpha: 0.48 (upper mid).
Sharpe: -0.28 (bottom quartile).
Information ratio: 0.00 (upper mid).
Higher exposure to Health Care vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Sun Pharmaceuticals Industries Ltd (~9.1%).

Below is the key information for UTI Healthcare Fund

UTI Healthcare Fund Growth
Launch Date	28 Jun 99
NAV (10 Mar 26)	₹282.415 ↑ 4.38 (1.58 %)
Net Assets (Cr)	₹1,055 on 31 Jan 26
Category	Equity - Sectoral
AMC	UTI Asset Management Company Ltd
Rating	☆
Risk	High
Expense Ratio	2.26
Sharpe Ratio	-0.29
Information Ratio	0
Alpha Ratio	0.48
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
28 Feb 21	₹10,000
28 Feb 22	₹11,103
28 Feb 23	₹10,525
29 Feb 24	₹16,576
28 Feb 25	₹18,397
28 Feb 26	₹21,110

UTI Healthcare Fund SIP Returns

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

Returns for UTI Healthcare Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Mar 26

Duration	Returns
1 Month	0.6%
3 Month	-0.8%
6 Month	-4.3%
1 Year	10.4%
3 Year	25.8%
5 Year	15.3%
10 Year
15 Year
Since launch	14.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-3.1%
2023	42.9%
2022	38.2%
2021	-12.3%
2020	19.1%
2019	67.4%
2018	1.2%
2017	-7.5%
2016	6.2%
2015	-9.7%

Fund Manager information for UTI Healthcare Fund

Name	Since	Tenure
Kamal Gada	2 May 22	3.76 Yr.

Data below for UTI Healthcare Fund as on 31 Jan 26

Equity Sector Allocation

Sector	Value
Health Care	97.64%
Basic Materials	1.15%

Asset Allocation

Asset Class	Value
Cash	1.21%
Equity	98.79%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 31 Oct 06 \| SUNPHARMA	9%	₹96 Cr	600,000
Ajanta Pharma Ltd (Healthcare) Equity, Since 31 Jul 17 \| AJANTPHARM	7%	₹77 Cr	276,882 ↓ -8,118
Lupin Ltd (Healthcare) Equity, Since 28 Feb 25 \| LUPIN	6%	₹64 Cr	294,991
Glenmark Pharmaceuticals Ltd (Healthcare) Equity, Since 31 Mar 24 \| GLENMARK	4%	₹44 Cr	220,000
Gland Pharma Ltd (Healthcare) Equity, Since 30 Nov 20 \| GLAND	4%	₹42 Cr	227,578 ↓ -2,422
Alkem Laboratories Ltd (Healthcare) Equity, Since 31 May 21 \| ALKEM	4%	₹39 Cr	68,000
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 30 Apr 21 \| APOLLOHOSP	3%	₹37 Cr	53,000
Dr Reddy's Laboratories Ltd (Healthcare) Equity, Since 28 Feb 18 \| DRREDDY	3%	₹36 Cr	299,461
Procter & Gamble Health Ltd (Healthcare) Equity, Since 31 Dec 20 \| PGHL	3%	₹32 Cr	60,000 ↓ -6,803
Jupiter Life Line Hospitals Ltd (Healthcare) Equity, Since 30 Sep 23 \| JLHL	3%	₹31 Cr	226,961 ↓ -11

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.