म्युच्युअल फंडात एकरकमी गुंतवणूक

Updated on December 16, 2025 , 12735 views

तुम्हाला माहीत आहे का की तुम्ही एकरकमी रक्कम गुंतवू शकताम्युच्युअल फंड? जर होय, तर ते चांगले आहे. तथापि, जर नाही, तर काळजी करू नका. हा लेख तुम्हाला त्याच माध्यमातून मार्गदर्शन करेल. म्युच्युअल फंडातील एकरकमी गुंतवणूक म्हणजे अशी परिस्थिती जेव्हा एखादी व्यक्ती म्युच्युअल फंडात पैसे गुंतवते. येथे, ठेव अनेक वेळा होत नाही. मध्ये खूप फरक आहेSIP आणि गुंतवणुकीची एकरकमी पद्धत. तर, म्युच्युअल फंडातील एकरकमी गुंतवणूक ही संकल्पना समजून घेऊया,सर्वोत्तम म्युच्युअल फंड एकरकमी गुंतवणुकीसाठी, एकरकमी गुंतवणूक करताना विचारात घ्यायच्या गोष्टी, म्युच्युअल फंड एकरकमी परतावा कॅल्क्युलेटर आणि इतर संबंधित बाबी या लेखाद्वारे.

म्युच्युअल फंडातील एकरकमी गुंतवणूक म्हणजे काय?

म्युच्युअल फंडात एकरकमी गुंतवणूक ही एक अशी परिस्थिती आहे जिथे व्यक्तीम्युच्युअल फंडात गुंतवणूक करा फक्त एकदाच. तथापि, गुंतवणुकीच्या एसआयपी पद्धतीच्या विरूद्ध जेथे व्यक्ती एकरकमी मोडमध्ये लहान रक्कम जमा करतात, व्यक्ती लक्षणीय रक्कम जमा करतात. दुसऱ्या शब्दांत, ते एक-शॉट तंत्र आहेगुंतवणूक म्युच्युअल फंड मध्ये. एकरकमी गुंतवणुकीची पद्धत ज्या गुंतवणूकदारांकडे जास्त निधी आहे त्यांच्यासाठी योग्य आहेबँक खाते आणि अधिक कमाई करण्यासाठी चॅनेल शोधत आहातउत्पन्न म्युच्युअल फंडात गुंतवणूक करून.

2022 - 2023 मध्ये एकरकमी गुंतवणुकीसाठी सर्वोत्तम म्युच्युअल फंड

तुम्ही एकरकमी पद्धतीने म्युच्युअल फंडामध्ये गुंतवणूक करण्यापूर्वी, व्यक्तींनी विविध पॅरामीटर्स जसे की AUM, गुंतवणूक रक्कम आणि बरेच काही विचारात घेणे आवश्यक आहे. तर, या पॅरामीटर्सच्या आधारे एकरकमी गुंतवणुकीसाठी काही सर्वोत्तम म्युच्युअल फंड खालीलप्रमाणे आहेत.

इक्विटी म्युच्युअल फंडातील सर्वोत्तम एकरकमी गुंतवणूक

इक्विटी फंड अशा योजना आहेत ज्या विविध कंपन्यांच्या इक्विटी आणि इक्विटी-संबंधित साधनांमध्ये त्यांचे कॉर्पस गुंतवतात. या योजना दीर्घकालीन गुंतवणुकीसाठी चांगला पर्याय मानल्या जातात. जरी व्यक्ती इक्विटी फंडांमध्ये एकरकमी रक्कम गुंतवू शकतात तरीही इक्विटी फंडांमध्ये गुंतवणूक करण्याचे शिफारस केलेले तंत्र एकतर एसआयपीद्वारे किंवापद्धतशीर हस्तांतरण योजना (STP) मोड. एसटीपी मोडमध्ये, व्यक्ती प्रथम मोठ्या प्रमाणात पैसे जमा करतातकर्ज निधी जसेलिक्विड फंड आणि नंतर पैसे इक्विटी फंडांमध्ये नियमित अंतराने हस्तांतरित केले जातात. गुंतवणुकीसाठी विचारात घेतलेले काही इक्विटी म्युच्युअल फंड खालीलप्रमाणे आहेत.

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
ICICI Prudential Infrastructure Fund Growth	₹194.44 ↑ 1.93	₹8,232	5,000	-2.4	-0.9	0.6	23.5	29.8	27.4
SBI PSU Fund Growth	₹33.057 ↑ 0.31	₹5,714	5,000	2.5	5.6	5.5	26.7	28.2	23.5
Motilal Oswal Midcap 30 Fund Growth	₹100.503 ↑ 1.21	₹37,501	5,000	-7	-1.4	-13	24.1	28.1	57.1
HDFC Infrastructure Fund Growth	₹46.895 ↑ 0.40	₹2,586	5,000	-2.7	0.6	-1.4	23.5	27.4	23
Nippon India Small Cap Fund Growth	₹164.828 ↑ 1.52	₹68,969	5,000	-5.2	-2.6	-9	19.9	27.1	26.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Infrastructure Fund	SBI PSU Fund	Motilal Oswal Midcap 30 Fund	HDFC Infrastructure Fund	Nippon India Small Cap Fund
Point 1	Lower mid AUM (₹8,232 Cr).	Bottom quartile AUM (₹5,714 Cr).	Upper mid AUM (₹37,501 Cr).	Bottom quartile AUM (₹2,586 Cr).	Highest AUM (₹68,969 Cr).
Point 2	Oldest track record among peers (20 yrs).	Established history (15+ yrs).	Established history (11+ yrs).	Established history (17+ yrs).	Established history (15+ 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: Moderately High.	Risk profile: High.	Risk profile: Moderately High.
Point 5	5Y return: 29.76% (top quartile).	5Y return: 28.24% (upper mid).	5Y return: 28.05% (lower mid).	5Y return: 27.41% (bottom quartile).	5Y return: 27.12% (bottom quartile).
Point 6	3Y return: 23.49% (bottom quartile).	3Y return: 26.75% (top quartile).	3Y return: 24.12% (upper mid).	3Y return: 23.53% (lower mid).	3Y return: 19.91% (bottom quartile).
Point 7	1Y return: 0.59% (upper mid).	1Y return: 5.54% (top quartile).	1Y return: -13.04% (bottom quartile).	1Y return: -1.37% (lower mid).	1Y return: -9.02% (bottom quartile).
Point 8	Alpha: 0.00 (top quartile).	Alpha: -0.58 (lower mid).	Alpha: -4.22 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: -2.66 (bottom quartile).
Point 9	Sharpe: 0.00 (upper mid).	Sharpe: 0.09 (top quartile).	Sharpe: -0.13 (lower mid).	Sharpe: -0.15 (bottom quartile).	Sharpe: -0.35 (bottom quartile).
Point 10	Information ratio: 0.00 (upper mid).	Information ratio: -0.57 (bottom quartile).	Information ratio: 0.20 (top quartile).	Information ratio: 0.00 (lower mid).	Information ratio: -0.11 (bottom quartile).

ICICI Prudential Infrastructure Fund

Lower mid AUM (₹8,232 Cr).
Oldest track record among peers (20 yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 29.76% (top quartile).
3Y return: 23.49% (bottom quartile).
1Y return: 0.59% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 0.00 (upper mid).
Information ratio: 0.00 (upper mid).

SBI PSU Fund

Bottom quartile AUM (₹5,714 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 28.24% (upper mid).
3Y return: 26.75% (top quartile).
1Y return: 5.54% (top quartile).
Alpha: -0.58 (lower mid).
Sharpe: 0.09 (top quartile).
Information ratio: -0.57 (bottom quartile).

Motilal Oswal Midcap 30 Fund

Upper mid AUM (₹37,501 Cr).
Established history (11+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 28.05% (lower mid).
3Y return: 24.12% (upper mid).
1Y return: -13.04% (bottom quartile).
Alpha: -4.22 (bottom quartile).
Sharpe: -0.13 (lower mid).
Information ratio: 0.20 (top quartile).

HDFC Infrastructure Fund

Bottom quartile AUM (₹2,586 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 27.41% (bottom quartile).
3Y return: 23.53% (lower mid).
1Y return: -1.37% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.15 (bottom quartile).
Information ratio: 0.00 (lower mid).

Nippon India Small Cap Fund

Highest AUM (₹68,969 Cr).
Established history (15+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 27.12% (bottom quartile).
3Y return: 19.91% (bottom quartile).
1Y return: -9.02% (bottom quartile).
Alpha: -2.66 (bottom quartile).
Sharpe: -0.35 (bottom quartile).
Information ratio: -0.11 (bottom quartile).

Ready to Invest?
Talk to our investment specialist

डेट म्युच्युअल फंडात सर्वोत्तम एकरकमी गुंतवणूक

डेट फंड त्यांच्या फंडाचे पैसे वेगवेगळ्या ठिकाणी गुंतवतातनिश्चित उत्पन्न ट्रेझरी बिले, कॉर्पोरेट सारखी साधनेबंध, आणि बरेच काही. या योजना अल्प आणि मध्यम मुदतीसाठी चांगला पर्याय मानल्या जातात. अनेक व्यक्ती डेट म्युच्युअल फंडामध्ये एकरकमी पैसे गुंतवण्याचा पर्याय निवडतात. काहीसर्वोत्तम कर्ज निधी जे एकरकमी गुंतवणुकीसाठी निवडले जाऊ शकतात ते खालीलप्रमाणे आहेत.

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
DSP Credit Risk Fund Growth	₹50.702 ↑ 0.00	₹208	1,000	1.2	2.1	21	14.7	7.8	7.1%	2Y 29D	2Y 10M 24D
Franklin India Credit Risk Fund Growth	₹25.3348 ↑ 0.04	₹104	5,000	2.9	5	7.5	11		0%
Aditya Birla Sun Life Credit Risk Fund Growth	₹23.2413 ↑ 0.00	₹1,073	1,000	2	4.2	13.3	10.7	11.9	7.74%	2Y 1M 13D	3Y 1M 13D
Invesco India Credit Risk Fund Growth	₹1,980.6 ↓ -0.25	₹153	5,000	1.4	2.4	9.2	9.4	7.3	6.79%	2Y 3M 22D	3Y 29D
Aditya Birla Sun Life Medium Term Plan Growth	₹41.1276 ↓ -0.01	₹2,807	1,000	1.8	3.1	10.8	9.4	10.5	7.63%	3Y 8M 23D	5Y 29D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP Credit Risk Fund	Franklin India Credit Risk Fund	Aditya Birla Sun Life Credit Risk Fund	Invesco India Credit Risk Fund	Aditya Birla Sun Life Medium Term Plan
Point 1	Lower mid AUM (₹208 Cr).	Bottom quartile AUM (₹104 Cr).	Upper mid AUM (₹1,073 Cr).	Bottom quartile AUM (₹153 Cr).	Highest AUM (₹2,807 Cr).
Point 2	Oldest track record among peers (22 yrs).	Established history (14+ yrs).	Established history (10+ yrs).	Established history (11+ yrs).	Established history (16+ yrs).
Point 3	Top rated.	Rating: 1★ (bottom quartile).	Not Rated.	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 21.01% (top quartile).	1Y return: 7.45% (bottom quartile).	1Y return: 13.30% (upper mid).	1Y return: 9.23% (bottom quartile).	1Y return: 10.78% (lower mid).
Point 6	1M return: 0.23% (bottom quartile).	1M return: 0.91% (top quartile).	1M return: 0.29% (lower mid).	1M return: 0.38% (upper mid).	1M return: 0.18% (bottom quartile).
Point 7	Sharpe: 1.56 (lower mid).	Sharpe: 0.29 (bottom quartile).	Sharpe: 1.96 (upper mid).	Sharpe: 1.22 (bottom quartile).	Sharpe: 2.04 (top 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): 0.00% (bottom quartile).	Yield to maturity (debt): 7.74% (top quartile).	Yield to maturity (debt): 6.79% (bottom quartile).	Yield to maturity (debt): 7.63% (upper mid).
Point 10	Modified duration: 2.08 yrs (upper mid).	Modified duration: 0.00 yrs (top quartile).	Modified duration: 2.12 yrs (lower mid).	Modified duration: 2.31 yrs (bottom quartile).	Modified duration: 3.73 yrs (bottom quartile).

DSP Credit Risk Fund

Lower mid AUM (₹208 Cr).
Oldest track record among peers (22 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 21.01% (top quartile).
1M return: 0.23% (bottom quartile).
Sharpe: 1.56 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.10% (lower mid).
Modified duration: 2.08 yrs (upper mid).

Franklin India Credit Risk Fund

Bottom quartile AUM (₹104 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.45% (bottom quartile).
1M return: 0.91% (top quartile).
Sharpe: 0.29 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 0.00% (bottom quartile).
Modified duration: 0.00 yrs (top quartile).

Aditya Birla Sun Life Credit Risk Fund

Upper mid AUM (₹1,073 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 13.30% (upper mid).
1M return: 0.29% (lower mid).
Sharpe: 1.96 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.74% (top quartile).
Modified duration: 2.12 yrs (lower mid).

Invesco India Credit Risk Fund

Bottom quartile AUM (₹153 Cr).
Established history (11+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 9.23% (bottom quartile).
1M return: 0.38% (upper mid).
Sharpe: 1.22 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.79% (bottom quartile).
Modified duration: 2.31 yrs (bottom quartile).

Aditya Birla Sun Life Medium Term Plan

Highest AUM (₹2,807 Cr).
Established history (16+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 10.78% (lower mid).
1M return: 0.18% (bottom quartile).
Sharpe: 2.04 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.63% (upper mid).
Modified duration: 3.73 yrs (bottom quartile).

एकरकमी गुंतवणुकीसाठी सर्वोत्तम हायब्रिड फंड

हायब्रीड फंड म्हणूनही ओळखले जातेसंतुलित निधी त्यांचे पैसे इक्विटी आणि निश्चित उत्पन्न साधनांमध्ये गुंतवा. या योजना शोधत असलेल्या व्यक्तींसाठी योग्य आहेतभांडवल नियमित उत्पन्नासह निर्मिती. संतुलित योजना म्हणूनही ओळखल्या जाणार्‍या, व्यक्ती संकरित योजनांमध्ये एकरकमी रक्कम गुंतवणे निवडू शकतात. एकरकमी गुंतवणुकीसाठी काही सर्वोत्कृष्ट हायब्रिड फंड खाली सूचीबद्ध आहेत.

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
UTI Multi Asset Fund Growth	₹79.0239 ↑ 0.32	₹6,376	5,000	3.2	6.9	8.7	19.5	15.1	20.7
ICICI Prudential Multi-Asset Fund Growth	₹810.375 ↑ 0.54	₹71,900	5,000	3.7	7.2	15.6	19.1	21.5	16.1
ICICI Prudential Equity and Debt Fund Growth	₹409.46 ↑ 2.32	₹48,071	5,000	0.6	5.1	10.7	18.8	21.6	17.2
SBI Multi Asset Allocation Fund Growth	₹64.9291 ↑ 0.36	₹11,306	5,000	6.3	10.3	16.9	17.6	14.7	12.8
JM Equity Hybrid Fund Growth	₹119.947 ↑ 0.96	₹816	5,000	-2.9	-1	-5.4	17.4	17	27
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Multi Asset Fund	ICICI Prudential Multi-Asset Fund	ICICI Prudential Equity and Debt Fund	SBI Multi Asset Allocation Fund	JM Equity Hybrid Fund
Point 1	Bottom quartile AUM (₹6,376 Cr).	Highest AUM (₹71,900 Cr).	Upper mid AUM (₹48,071 Cr).	Lower mid AUM (₹11,306 Cr).	Bottom quartile AUM (₹816 Cr).
Point 2	Established history (17+ yrs).	Established history (23+ yrs).	Established history (26+ yrs).	Established history (20+ yrs).	Oldest track record among peers (30 yrs).
Point 3	Rating: 1★ (bottom quartile).	Rating: 2★ (lower mid).	Top rated.	Rating: 4★ (upper mid).	Rating: 1★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderately High.
Point 5	5Y return: 15.08% (bottom quartile).	5Y return: 21.52% (upper mid).	5Y return: 21.64% (top quartile).	5Y return: 14.66% (bottom quartile).	5Y return: 17.04% (lower mid).
Point 6	3Y return: 19.46% (top quartile).	3Y return: 19.06% (upper mid).	3Y return: 18.79% (lower mid).	3Y return: 17.60% (bottom quartile).	3Y return: 17.43% (bottom quartile).
Point 7	1Y return: 8.73% (bottom quartile).	1Y return: 15.59% (upper mid).	1Y return: 10.72% (lower mid).	1Y return: 16.86% (top quartile).	1Y return: -5.44% (bottom quartile).
Point 8	1M return: 0.51% (lower mid).	1M return: 0.84% (upper mid).	1M return: -0.60% (bottom quartile).	1M return: 1.87% (top quartile).	1M return: -2.44% (bottom quartile).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 2.46 (top quartile).	Alpha: 0.00 (bottom quartile).	Alpha: -7.75 (bottom quartile).
Point 10	Sharpe: 0.24 (bottom quartile).	Sharpe: 0.86 (top quartile).	Sharpe: 0.36 (lower mid).	Sharpe: 0.70 (upper mid).	Sharpe: -0.53 (bottom quartile).

UTI Multi Asset Fund

Bottom quartile AUM (₹6,376 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.08% (bottom quartile).
3Y return: 19.46% (top quartile).
1Y return: 8.73% (bottom quartile).
1M return: 0.51% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.24 (bottom quartile).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹71,900 Cr).
Established history (23+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 21.52% (upper mid).
3Y return: 19.06% (upper mid).
1Y return: 15.59% (upper mid).
1M return: 0.84% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.86 (top quartile).

ICICI Prudential Equity and Debt Fund

Upper mid AUM (₹48,071 Cr).
Established history (26+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 21.64% (top quartile).
3Y return: 18.79% (lower mid).
1Y return: 10.72% (lower mid).
1M return: -0.60% (bottom quartile).
Alpha: 2.46 (top quartile).
Sharpe: 0.36 (lower mid).

SBI Multi Asset Allocation Fund

Lower mid AUM (₹11,306 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
5Y return: 14.66% (bottom quartile).
3Y return: 17.60% (bottom quartile).
1Y return: 16.86% (top quartile).
1M return: 1.87% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.70 (upper mid).

JM Equity Hybrid Fund

Bottom quartile AUM (₹816 Cr).
Oldest track record among peers (30 yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.04% (lower mid).
3Y return: 17.43% (bottom quartile).
1Y return: -5.44% (bottom quartile).
1M return: -2.44% (bottom quartile).
Alpha: -7.75 (bottom quartile).
Sharpe: -0.53 (bottom quartile).

एकरकमी गुंतवणुकीसाठी सर्वोत्तम इंडेक्स फंड

इंडेक्स फंडाच्या पोर्टफोलिओमध्ये शेअर्स आणि इतर साधने निर्देशांकात असतात त्याच प्रमाणात असतात. दुसऱ्या शब्दांत, या योजना निर्देशांकाच्या कामगिरीची नक्कल करतात. हे निष्क्रीयपणे व्यवस्थापित केलेले फंड आहेत आणि एकरकमी गुंतवणुकीसाठी एक चांगला पर्याय मानला जाऊ शकतो. काही उत्तमइंडेक्स फंड जे एकरकमी गुंतवणुकीसाठी निवडले जाऊ शकतात ते खालीलप्रमाणे आहेत.

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Nippon India Index Fund - Sensex Plan Growth	₹43.2576 ↑ 0.23	₹957	1.8	4.1	6.1	12	13.1	8.9
LIC MF Index Fund Sensex Growth	₹158.702 ↑ 0.82	₹92	1.6	3.8	5.4	11.4	12.6	8.2
Franklin India Index Fund Nifty Plan Growth	₹209.677 ↑ 1.21	₹775	1.6	4.5	7.4	12.8	13.9	9.5
IDBI Nifty Index Fund Growth	₹36.2111 ↓ -0.02	₹208	9.1	11.9	16.2	20.3	11.7
Nippon India Index Fund - Nifty Plan Growth	₹44.1008 ↑ 0.26	₹2,864	1.6	4.5	7.5	12.9	13.8	9.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Nippon India Index Fund - Sensex Plan	LIC MF Index Fund Sensex	Franklin India Index Fund Nifty Plan	IDBI Nifty Index Fund	Nippon India Index Fund - Nifty Plan
Point 1	Upper mid AUM (₹957 Cr).	Bottom quartile AUM (₹92 Cr).	Lower mid AUM (₹775 Cr).	Bottom quartile AUM (₹208 Cr).	Highest AUM (₹2,864 Cr).
Point 2	Established history (15+ yrs).	Established history (23+ yrs).	Oldest track record among peers (25 yrs).	Established history (15+ yrs).	Established history (15+ yrs).
Point 3	Top rated.	Rating: 1★ (upper mid).	Rating: 1★ (lower mid).	Rating: 1★ (bottom quartile).	Rating: 1★ (bottom quartile).
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: 13.11% (lower mid).	5Y return: 12.57% (bottom quartile).	5Y return: 13.91% (top quartile).	5Y return: 11.74% (bottom quartile).	5Y return: 13.84% (upper mid).
Point 6	3Y return: 11.97% (bottom quartile).	3Y return: 11.41% (bottom quartile).	3Y return: 12.78% (lower mid).	3Y return: 20.28% (top quartile).	3Y return: 12.86% (upper mid).
Point 7	1Y return: 6.09% (bottom quartile).	1Y return: 5.41% (bottom quartile).	1Y return: 7.43% (lower mid).	1Y return: 16.16% (top quartile).	1Y return: 7.50% (upper mid).
Point 8	1M return: -0.27% (upper mid).	1M return: -0.30% (lower mid).	1M return: -0.34% (bottom quartile).	1M return: 3.68% (top quartile).	1M return: -0.40% (bottom quartile).
Point 9	Alpha: -0.50 (upper mid).	Alpha: -1.15 (bottom quartile).	Alpha: -0.59 (lower mid).	Alpha: -1.03 (bottom quartile).	Alpha: -0.48 (top quartile).
Point 10	Sharpe: 0.07 (bottom quartile).	Sharpe: 0.01 (bottom quartile).	Sharpe: 0.11 (lower mid).	Sharpe: 1.04 (top quartile).	Sharpe: 0.12 (upper mid).

Nippon India Index Fund - Sensex Plan

Upper mid AUM (₹957 Cr).
Established history (15+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 13.11% (lower mid).
3Y return: 11.97% (bottom quartile).
1Y return: 6.09% (bottom quartile).
1M return: -0.27% (upper mid).
Alpha: -0.50 (upper mid).
Sharpe: 0.07 (bottom quartile).

LIC MF Index Fund Sensex

Bottom quartile AUM (₹92 Cr).
Established history (23+ yrs).
Rating: 1★ (upper mid).
Risk profile: Moderately High.
5Y return: 12.57% (bottom quartile).
3Y return: 11.41% (bottom quartile).
1Y return: 5.41% (bottom quartile).
1M return: -0.30% (lower mid).
Alpha: -1.15 (bottom quartile).
Sharpe: 0.01 (bottom quartile).

Franklin India Index Fund Nifty Plan

Lower mid AUM (₹775 Cr).
Oldest track record among peers (25 yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 13.91% (top quartile).
3Y return: 12.78% (lower mid).
1Y return: 7.43% (lower mid).
1M return: -0.34% (bottom quartile).
Alpha: -0.59 (lower mid).
Sharpe: 0.11 (lower mid).

IDBI Nifty Index Fund

Bottom quartile AUM (₹208 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 11.74% (bottom quartile).
3Y return: 20.28% (top quartile).
1Y return: 16.16% (top quartile).
1M return: 3.68% (top quartile).
Alpha: -1.03 (bottom quartile).
Sharpe: 1.04 (top quartile).

Nippon India Index Fund - Nifty Plan

Highest AUM (₹2,864 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 13.84% (upper mid).
3Y return: 12.86% (upper mid).
1Y return: 7.50% (upper mid).
1M return: -0.40% (bottom quartile).
Alpha: -0.48 (top quartile).
Sharpe: 0.12 (upper mid).

मागील 1 महिन्यावर आधारित सर्वोत्तम म्युच्युअल फंड

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 (₹1,498 Cr).
Oldest track record among peers (18 yrs).
Top rated.
Risk profile: High.
5Y return: 21.72% (top quartile).
3Y return: 49.40% (top quartile).
1Y return: 153.98% (top quartile).
Alpha: -4.16 (bottom quartile).
Sharpe: 1.83 (bottom quartile).
Information ratio: -1.04 (bottom quartile).
Top sector: Basic Materials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding BGF World Gold I2 (~75.3%).
Top-3 holdings concentration ~101.3%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (18 Dec 25)	₹52.3941 ↑ 0.36 (0.70 %)
Net Assets (Cr)	₹1,498 on 31 Oct 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	1.83
Information Ratio	-1.04
Alpha Ratio	-4.16
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
30 Nov 20	₹10,000
30 Nov 21	₹9,903
30 Nov 22	₹8,659
30 Nov 23	₹9,599
30 Nov 24	₹12,026
30 Nov 25	₹27,573

DSP World Gold 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 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 18 Dec 25

Duration	Returns
1 Month	16.4%
3 Month	31.5%
6 Month	66%
1 Year	154%
3 Year	49.4%
5 Year	21.7%
10 Year
15 Year
Since launch	9.5%

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	12.68 Yr.

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

Equity Sector Allocation

Sector	Value
Basic Materials	95.15%

Asset Allocation

Asset Class	Value
Cash	2.29%
Equity	95.15%
Debt	0.02%
Other	2.54%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	75%	₹1,127 Cr	1,347,933 ↓ -108,097
VanEck Gold Miners ETF - \| GDX	24%	₹367 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	2%	₹23 Cr
Net Receivables/Payables Net Current Assets \| -	1%	-₹20 Cr

2. DSP World Mining Fund

The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in the units of BlackRock Global Funds – World Mining Fund. 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 money market/liquid schemes of DSP BlackRock Mutual Fund, in order to meet liquidity requirements from time to time.

Research Highlights for DSP World Mining Fund

Bottom quartile AUM (₹169 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 16.01% (bottom quartile).
3Y return: 17.58% (bottom quartile).
1Y return: 69.70% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: 1.28 (bottom quartile).
Information ratio: 0.00 (top quartile).
Top sector: Basic Materials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding BGF World Mining I2 (~98.8%).
Top-3 holdings concentration ~100.4%.

Below is the key information for DSP World Mining Fund

DSP World Mining Fund Growth
Launch Date	29 Dec 09
NAV (18 Dec 25)	₹26.0983 ↑ 0.10 (0.37 %)
Net Assets (Cr)	₹169 on 31 Oct 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.14
Sharpe Ratio	1.28
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹12,339
30 Nov 22	₹14,572
30 Nov 23	₹13,637
30 Nov 24	₹14,706
30 Nov 25	₹21,988

DSP World Mining Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 Invest Now

Returns for DSP World Mining Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Dec 25

Duration	Returns
1 Month	14.2%
3 Month	24.9%
6 Month	49.9%
1 Year	69.7%
3 Year	17.6%
5 Year	16%
10 Year
15 Year
Since launch	6.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-8.1%
2023	0%
2022	12.2%
2021	18%
2020	34.9%
2019	21.5%
2018	-9.4%
2017	21.1%
2016	49.7%
2015	-36%

Fund Manager information for DSP World Mining Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	12.68 Yr.

Data below for DSP World Mining Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Basic Materials	96.18%
Energy	1.1%

Asset Allocation

Asset Class	Value
Cash	2.35%
Equity	97.28%
Debt	0.01%
Other	0.36%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Mining I2 Investment Fund \| -	99%	₹167 Cr	193,620 ↓ -1,404
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	1%	₹2 Cr
Net Receivables/Payables Net Current Assets \| -	0%	₹0 Cr

3. Axis Gold Fund

To generate returns that closely correspond to returns generated by Axis Gold ETF.

Research Highlights for Axis Gold Fund

Upper mid AUM (₹1,800 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 20.06% (upper mid).
3Y return: 33.19% (upper mid).
1Y return: 69.73% (lower mid).
1M return: 9.59% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 2.42 (upper mid).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding Axis Gold ETF (~99.9%).
Top-3 holdings concentration ~100.8%.

Below is the key information for Axis Gold Fund

Axis Gold Fund Growth
Launch Date	20 Oct 11
NAV (19 Dec 25)	₹38.4632 ↓ -0.08 (-0.21 %)
Net Assets (Cr)	₹1,800 on 31 Oct 25
Category	Gold - Gold
AMC	Axis Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.5
Sharpe Ratio	2.43
Information Ratio	0
Alpha Ratio	0
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
30 Nov 20	₹10,000
30 Nov 21	₹9,776
30 Nov 22	₹10,573
30 Nov 23	₹12,492
30 Nov 24	₹15,037
30 Nov 25	₹24,261

Axis Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 Invest Now

Returns for Axis 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 18 Dec 25

Duration	Returns
1 Month	9.6%
3 Month	20%
6 Month	32.6%
1 Year	69.7%
3 Year	33.2%
5 Year	20.1%
10 Year
15 Year
Since launch	10%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	19.2%
2023	14.7%
2022	12.5%
2021	-4.7%
2020	26.9%
2019	23.1%
2018	8.3%
2017	0.7%
2016	10.7%
2015	-11.9%

Fund Manager information for Axis Gold Fund

Name	Since	Tenure
Aditya Pagaria	9 Nov 21	3.98 Yr.
Pratik Tibrewal	1 Feb 25	0.75 Yr.

Data below for Axis Gold Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	1.68%
Other	98.32%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Gold ETF - \| -	100%	₹1,798 Cr	178,172,322 ↑ 16,852,517
Clearing Corporation Of India Ltd CBLO/Reverse Repo \| -	0%	₹9 Cr
Net Receivables / (Payables) CBLO \| -	0%	-₹7 Cr

4. Invesco India Gold Fund

To provide returns that closely corresponds to returns provided by Invesco India Gold Exchange Traded Fund.

Research Highlights for Invesco India Gold Fund

Bottom quartile AUM (₹278 Cr).
Established history (14+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.65% (bottom quartile).
3Y return: 32.50% (bottom quartile).
1Y return: 67.88% (bottom quartile).
1M return: 9.52% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 2.40 (lower mid).
Information ratio: 0.00 (lower mid).
Top bond sector: Cash Equivalent.
Largest holding Invesco India Gold ETF (~97.5%).
Top-3 holdings concentration ~100.5%.

Below is the key information for Invesco India Gold Fund

Invesco India Gold Fund Growth
Launch Date	5 Dec 11
NAV (19 Dec 25)	₹37.0902 ↑ 0.05 (0.13 %)
Net Assets (Cr)	₹278 on 31 Oct 25
Category	Gold - Gold
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	0.37
Sharpe Ratio	2.4
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-6 Months (2%),6-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹9,636
30 Nov 22	₹10,509
30 Nov 23	₹12,273
30 Nov 24	₹14,833
30 Nov 25	₹23,695

Invesco India Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for Invesco India 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 18 Dec 25

Duration	Returns
1 Month	9.5%
3 Month	19%
6 Month	31.6%
1 Year	67.9%
3 Year	32.5%
5 Year	19.6%
10 Year
15 Year
Since launch	9.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	18.8%
2023	14.5%
2022	12.8%
2021	-5.5%
2020	27.2%
2019	21.4%
2018	6.6%
2017	1.3%
2016	21.6%
2015	-15.1%

Fund Manager information for Invesco India Gold Fund

Name	Since	Tenure
Abhisek Bahinipati	1 Nov 25	0 Yr.

Data below for Invesco India Gold Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	4.15%
Other	95.85%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Invesco India Gold ETF - \| -	97%	₹271 Cr	258,048 ↑ 24,628
Triparty Repo CBLO/Reverse Repo \| -	3%	₹8 Cr
Net Receivables / (Payables) CBLO \| -	0%	-₹1 Cr

5. Kotak Gold Fund

The investment objective of the scheme is to generate returns by investing in units of Kotak Gold Exchange Traded Fund.

Research Highlights for Kotak Gold Fund

Highest AUM (₹4,540 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.92% (lower mid).
3Y return: 33.10% (lower mid).
1Y return: 70.40% (upper mid).
1M return: 9.44% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.49 (top quartile).
Information ratio: 0.00 (bottom quartile).
Top bond sector: Cash Equivalent.
Largest holding Kotak Gold ETF (~100.0%).
Top-3 holdings concentration ~100.4%.

Below is the key information for Kotak Gold Fund

Kotak Gold Fund Growth
Launch Date	25 Mar 11
NAV (19 Dec 25)	₹50.7638 ↓ -0.26 (-0.50 %)
Net Assets (Cr)	₹4,540 on 31 Oct 25
Category	Gold - Gold
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆
Risk	Moderately High
Expense Ratio	0.5
Sharpe Ratio	2.49
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-6 Months (2%),6-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹9,788
30 Nov 22	₹10,506
30 Nov 23	₹12,325
30 Nov 24	₹14,831
30 Nov 25	₹23,984

Kotak Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for Kotak 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 18 Dec 25

Duration	Returns
1 Month	9.4%
3 Month	20.4%
6 Month	32.8%
1 Year	70.4%
3 Year	33.1%
5 Year	19.9%
10 Year
15 Year
Since launch	11.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	18.9%
2023	13.9%
2022	11.7%
2021	-4.7%
2020	26.6%
2019	24.1%
2018	7.3%
2017	2.5%
2016	10.2%
2015	-8.4%

Fund Manager information for Kotak Gold Fund

Name	Since	Tenure
Abhishek Bisen	25 Mar 11	14.62 Yr.
Jeetu Sonar	1 Oct 22	3.09 Yr.

Data below for Kotak Gold Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	1.51%
Other	98.49%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Kotak Gold ETF - \| -	100%	₹4,540 Cr	450,546,713 ↑ 18,692,026
Net Current Assets/(Liabilities) Net Current Assets \| -	0%	-₹10 Cr
Triparty Repo CBLO/Reverse Repo \| -	0%	₹9 Cr

एकरकमी गुंतवणूक करताना विचारात घ्यायच्या गोष्टी

म्युच्युअल फंडामध्ये गुंतवणूक करण्यापूर्वी व्यक्तींनी अनेक बाबींची काळजी घेणे आवश्यक आहे. यात समाविष्ट आहे:

मार्केटची वेळ

एकरकमी गुंतवणुकीचा प्रश्न येतो तेव्हा, व्यक्तींना नेहमी शोधण्याची गरज असतेबाजार विशेषत: इक्विटी-आधारित फंडांच्या संदर्भात वेळ. एकरकमी गुंतवणुकीची चांगली वेळ म्हणजे जेव्हा बाजार कमी असतात आणि त्यांना लवकरच प्रशंसा मिळण्यास वाव असतो. तथापि, जर बाजार आधीच शिखरावर असेल तर, एकरकमी गुंतवणुकीपासून दूर राहणे चांगले.

विविधीकरण

एकरकमी गुंतवणुक करण्यापूर्वी वैविध्यता ही एक महत्त्वाची बाब आहे ज्याचा विचार करणे आवश्यक आहे. एकरकमी गुंतवणुकीच्या बाबतीत व्यक्तींनी त्यांच्या गुंतवणुकीत अनेक मार्गांनी विस्तार करून विविधता आणली पाहिजे. हे सुनिश्चित करण्यात मदत करेल की त्यांच्या एकूण पोर्टफोलिओपैकी एक योजना चांगली कामगिरी करत नसली तरीही.

तुमच्या उद्दिष्टानुसार तुमची गुंतवणूक करा

व्यक्ती जी कोणतीही गुंतवणूक करतात ती विशिष्ट उद्दिष्ट साध्य करण्यासाठी असते. म्हणून, व्यक्तींनी योजनेचा दृष्टीकोन त्याच्याशी सुसंगत आहे की नाही हे तपासावेगुंतवणूकदारचे उद्दिष्ट. येथे, व्यक्तींनी विविध पॅरामीटर्स शोधले पाहिजेत जसे कीCAGR योजनेत गुंतवणूक करण्यापूर्वी परतावा, संपूर्ण परतावा, कर आकारणीचा प्रभाव आणि बरेच काही.

विमोचन योग्य वेळी केले पाहिजे

व्यक्तींनी त्यांचे करावेविमोचन एकरकमी गुंतवणूक योग्य वेळी. जरी ते अद्याप गुंतवणुकीच्या उद्दिष्टानुसार असू शकते; व्यक्तींनी ज्या योजनेत गुंतवणूक करण्याची योजना आखली आहे त्याचा वेळेवर आढावा घ्यावा. तथापि, त्यांना त्यांची गुंतवणूक दीर्घ कालावधीसाठी ठेवण्याची देखील आवश्यकता आहे जेणेकरून ते जास्तीत जास्त लाभ घेऊ शकतील.

म्युच्युअल फंड एकरकमी परतावा कॅल्क्युलेटर

म्युच्युअल फंड एकरकमी परतावा कॅल्क्युलेटर एखाद्या व्यक्तीची एकरकमी गुंतवणूक दिलेल्या कालावधीत कशी वाढते हे दर्शविण्यास मदत करते. एकरकमी कॅल्क्युलेटरमध्ये इनपुट करणे आवश्यक असलेल्या काही डेटामध्ये गुंतवणुकीचा कालावधी, प्रारंभिक गुंतवणूक रक्कम, दीर्घकालीन अपेक्षित वाढीचा दर आणि बरेच काही समाविष्ट आहे. म्युच्युअल फंड एकरकमी परतावा कॅल्क्युलेटरचे उदाहरण खालीलप्रमाणे आहे.

चित्रण

एकरकमी गुंतवणूक: 25 रुपये,000

गुंतवणुकीचा कालावधी: 15 वर्षे

दीर्घकालीन वाढीचा दर (अंदाजे): १५%

एकरकमी कॅल्क्युलेटरनुसार अपेक्षित परतावा: INR 2,03,427

गुंतवणुकीवर निव्वळ नफा: INR 1,78,427

अशा प्रकारे, वरील गणना दर्शवते की तुमच्या गुंतवणुकीवरील गुंतवणुकीवर निव्वळ नफा INR 1,78,427 आहे तर तुमच्या गुंतवणुकीचे एकूण मूल्य INR 2,03,427 आहे..

म्युच्युअल फंडातील एकवेळच्या गुंतवणुकीचे फायदे आणि तोटे

SIP प्रमाणेच, एकरकमी गुंतवणूकीचे स्वतःचे फायदे आणि तोटे आहेत. तर, हे फायदे आणि तोटे पाहू.

फायदे

एकरकमी गुंतवणुकीचे फायदे खालीलप्रमाणे आहेत.

मोठी रक्कम गुंतवा: व्यक्ती म्युच्युअल फंडामध्ये मोठ्या प्रमाणात गुंतवणूक करू शकतात आणि निधी निष्क्रिय ठेवण्याऐवजी जास्त परतावा मिळवू शकतात.
दीर्घ मुदतीसाठी आदर्श: एकरकमी गुंतवणुकीची पद्धत दीर्घकालीन गुंतवणुकीसाठी विशेषत: इक्विटी फंडांच्या बाबतीत चांगली आहे. तथापि, कर्ज निधीच्या बाबतीत, कार्यकाळ अल्प किंवा मध्यम-मुदतीचा असू शकतो
सुविधा: गुंतवणुकीची एकरकमी पद्धत सोयीस्कर आहे कारण पेमेंट एकदाच केले जाते आणि नियमित अंतराने वजा केले जात नाही.

तोटे

एकरकमी गुंतवणुकीचे तोटे आहेत:

अनियमित गुंतवणूक: एकरकमी गुंतवणूक ही गुंतवणूकदाराची नियमित बचत सुनिश्चित करत नाही कारण ती नियमित बचतीची सवय लावत नाही.
उच्च धोका: एकरकमी गुंतवणुकीत, वेळ पाहणे महत्त्वाचे आहे. कारण एकरकमी पद्धतीने गुंतवणूक फक्त एकदाच केली जाते आणि नियमित अंतराने नाही. म्हणून, जर व्यक्तींनी वेळेचा विचार केला नाही तर त्यांचे नुकसान होऊ शकते.

निष्कर्ष

अशाप्रकारे, वरील पॉइंटर्सवरून असे म्हणता येईल की म्युच्युअल फंडामध्ये गुंतवणुकीसाठी एकरकमी मोड देखील एक चांगला मार्ग आहे. तथापि, योजनेमध्ये एकरकमी रक्कम गुंतवताना व्यक्तींनी आत्मविश्वास बाळगणे आवश्यक आहे. नसल्यास, ते गुंतवणुकीचा SIP मोड निवडू शकतात. याशिवाय, लोकांनी गुंतवणूक करण्यापूर्वी योजनेचे स्वरूप समजून घेतले पाहिजे. आवश्यक असल्यास, ते एआर्थिक सल्लागार. हे त्यांना त्यांचे पैसे सुरक्षित असल्याची खात्री करण्यास मदत करेल आणि त्यांची उद्दिष्टे वेळेवर पूर्ण होतील.

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.