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म्युच्युअल फंडात एकरकमी गुंतवणूक

Updated on October 14, 2025 , 12639 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.

Lump sum Mutual Funds

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.

FundNAVNet Assets (Cr)Min Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
ICICI Prudential Infrastructure Fund Growth ₹198.68
↑ 1.23
₹7,645 5,000 -0.311.50.329.43827.4
HDFC Infrastructure Fund Growth ₹48.229
↑ 0.27
₹2,483 5,000 -0.39.3-1.5293523
Motilal Oswal Midcap 30 Fund  Growth ₹105.107
↑ 0.05
₹34,780 5,000 1.716.7-3.727.233.857.1
Franklin Build India Fund Growth ₹143.48
↑ 0.50
₹2,884 5,000 -0.810.7-1.628.733.527.8
Bandhan Infrastructure Fund Growth ₹49.91
↑ 0.16
₹1,613 5,000 -3.67.5-9.527.733.539.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 16 Oct 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryICICI Prudential Infrastructure FundHDFC Infrastructure FundMotilal Oswal Midcap 30 Fund Franklin Build India FundBandhan Infrastructure Fund
Point 1Upper mid AUM (₹7,645 Cr).Bottom quartile AUM (₹2,483 Cr).Highest AUM (₹34,780 Cr).Lower mid AUM (₹2,884 Cr).Bottom quartile AUM (₹1,613 Cr).
Point 2Oldest track record among peers (20 yrs).Established history (17+ yrs).Established history (11+ yrs).Established history (16+ yrs).Established history (14+ yrs).
Point 3Rating: 3★ (lower mid).Rating: 3★ (bottom quartile).Rating: 3★ (bottom quartile).Top rated.Rating: 5★ (upper mid).
Point 4Risk profile: High.Risk profile: High.Risk profile: Moderately High.Risk profile: High.Risk profile: High.
Point 55Y return: 38.05% (top quartile).5Y return: 34.96% (upper mid).5Y return: 33.76% (lower mid).5Y return: 33.53% (bottom quartile).5Y return: 33.46% (bottom quartile).
Point 63Y return: 29.38% (top quartile).3Y return: 28.96% (upper mid).3Y return: 27.24% (bottom quartile).3Y return: 28.68% (lower mid).3Y return: 27.74% (bottom quartile).
Point 71Y return: 0.28% (top quartile).1Y return: -1.52% (upper mid).1Y return: -3.70% (bottom quartile).1Y return: -1.64% (lower mid).1Y return: -9.48% (bottom quartile).
Point 8Alpha: 0.00 (upper mid).Alpha: 0.00 (lower mid).Alpha: 4.99 (top quartile).Alpha: 0.00 (bottom quartile).Alpha: 0.00 (bottom quartile).
Point 9Sharpe: -0.48 (upper mid).Sharpe: -0.64 (lower mid).Sharpe: -0.18 (top quartile).Sharpe: -0.64 (bottom quartile).Sharpe: -0.71 (bottom quartile).
Point 10Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.57 (top quartile).Information ratio: 0.00 (bottom quartile).Information ratio: 0.00 (bottom quartile).

ICICI Prudential Infrastructure Fund

  • Upper mid AUM (₹7,645 Cr).
  • Oldest track record among peers (20 yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: High.
  • 5Y return: 38.05% (top quartile).
  • 3Y return: 29.38% (top quartile).
  • 1Y return: 0.28% (top quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: -0.48 (upper mid).
  • Information ratio: 0.00 (upper mid).

HDFC Infrastructure Fund

  • Bottom quartile AUM (₹2,483 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 34.96% (upper mid).
  • 3Y return: 28.96% (upper mid).
  • 1Y return: -1.52% (upper mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.64 (lower mid).
  • Information ratio: 0.00 (lower mid).

Motilal Oswal Midcap 30 Fund 

  • Highest AUM (₹34,780 Cr).
  • Established history (11+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 33.76% (lower mid).
  • 3Y return: 27.24% (bottom quartile).
  • 1Y return: -3.70% (bottom quartile).
  • Alpha: 4.99 (top quartile).
  • Sharpe: -0.18 (top quartile).
  • Information ratio: 0.57 (top quartile).

Franklin Build India Fund

  • Lower mid AUM (₹2,884 Cr).
  • Established history (16+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 33.53% (bottom quartile).
  • 3Y return: 28.68% (lower mid).
  • 1Y return: -1.64% (lower mid).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: -0.64 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).

Bandhan Infrastructure Fund

  • Bottom quartile AUM (₹1,613 Cr).
  • Established history (14+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: High.
  • 5Y return: 33.46% (bottom quartile).
  • 3Y return: 27.74% (bottom quartile).
  • 1Y return: -9.48% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: -0.71 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).

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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.

FundNAVNet Assets (Cr)Min Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
DSP Credit Risk Fund Growth ₹50.3772
↓ 0.00
₹207 1,000 1.13.621.7157.86.99%1Y 10M 28D2Y 7M 6D
Franklin India Credit Risk Fund Growth ₹25.3348
↑ 0.04
₹104 5,000 2.957.511 0%
Aditya Birla Sun Life Credit Risk Fund Growth ₹22.9957
↓ 0.00
₹1,044 1,000 2.2513.410.811.97.78%2Y 1M 6D3Y 1M 13D
Aditya Birla Sun Life Medium Term Plan Growth ₹40.8269
↓ -0.02
₹2,876 1,000 1.74.111.19.710.57.51%3Y 4M 17D4Y 6M 22D
Invesco India Credit Risk Fund Growth ₹1,962.8
↑ 1.06
₹152 5,000 1.12.89.39.57.36.81%2Y 4M 10D3Y 1M 28D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 16 Oct 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryDSP Credit Risk FundFranklin India Credit Risk FundAditya Birla Sun Life Credit Risk FundAditya Birla Sun Life Medium Term PlanInvesco India Credit Risk Fund
Point 1Lower mid AUM (₹207 Cr).Bottom quartile AUM (₹104 Cr).Upper mid AUM (₹1,044 Cr).Highest AUM (₹2,876 Cr).Bottom quartile AUM (₹152 Cr).
Point 2Oldest track record among peers (22 yrs).Established history (13+ yrs).Established history (10+ yrs).Established history (16+ yrs).Established history (11+ yrs).
Point 3Top rated.Rating: 1★ (bottom quartile).Not Rated.Rating: 4★ (upper mid).Rating: 4★ (lower mid).
Point 4Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.
Point 51Y return: 21.66% (top quartile).1Y return: 7.45% (bottom quartile).1Y return: 13.38% (upper mid).1Y return: 11.12% (lower mid).1Y return: 9.29% (bottom quartile).
Point 61M return: 0.60% (bottom quartile).1M return: 0.91% (lower mid).1M return: 0.97% (upper mid).1M return: 1.02% (top quartile).1M return: 0.62% (bottom quartile).
Point 7Sharpe: 1.56 (lower mid).Sharpe: 0.29 (bottom quartile).Sharpe: 2.29 (upper mid).Sharpe: 2.36 (top quartile).Sharpe: 1.11 (bottom quartile).
Point 8Information 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 9Yield to maturity (debt): 6.99% (lower mid).Yield to maturity (debt): 0.00% (bottom quartile).Yield to maturity (debt): 7.78% (top quartile).Yield to maturity (debt): 7.51% (upper mid).Yield to maturity (debt): 6.81% (bottom quartile).
Point 10Modified duration: 1.91 yrs (upper mid).Modified duration: 0.00 yrs (top quartile).Modified duration: 2.10 yrs (lower mid).Modified duration: 3.38 yrs (bottom quartile).Modified duration: 2.36 yrs (bottom quartile).

DSP Credit Risk Fund

  • Lower mid AUM (₹207 Cr).
  • Oldest track record among peers (22 yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 21.66% (top quartile).
  • 1M return: 0.60% (bottom quartile).
  • Sharpe: 1.56 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.99% (lower mid).
  • Modified duration: 1.91 yrs (upper mid).

Franklin India Credit Risk Fund

  • Bottom quartile AUM (₹104 Cr).
  • Established history (13+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 7.45% (bottom quartile).
  • 1M return: 0.91% (lower mid).
  • 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 (₹1,044 Cr).
  • Established history (10+ yrs).
  • Not Rated.
  • Risk profile: Moderate.
  • 1Y return: 13.38% (upper mid).
  • 1M return: 0.97% (upper mid).
  • Sharpe: 2.29 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.78% (top quartile).
  • Modified duration: 2.10 yrs (lower mid).

Aditya Birla Sun Life Medium Term Plan

  • Highest AUM (₹2,876 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 11.12% (lower mid).
  • 1M return: 1.02% (top quartile).
  • Sharpe: 2.36 (top quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.51% (upper mid).
  • Modified duration: 3.38 yrs (bottom quartile).

Invesco India Credit Risk Fund

  • Bottom quartile AUM (₹152 Cr).
  • Established history (11+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 9.29% (bottom quartile).
  • 1M return: 0.62% (bottom quartile).
  • Sharpe: 1.11 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.81% (bottom quartile).
  • Modified duration: 2.36 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.

FundNAVNet Assets (Cr)Min Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
JM Equity Hybrid Fund Growth ₹123.033
↑ 0.33
₹804 5,000 -0.17.5-4.421.521.627
UTI Multi Asset Fund Growth ₹77.868
↑ 0.42
₹5,941 5,000 4.210.6620.816.320.7
ICICI Prudential Multi-Asset Fund Growth ₹793.995
↑ 3.06
₹64,770 5,000 4.310.211.120.825.916.1
ICICI Prudential Equity and Debt Fund Growth ₹406.26
↑ 2.40
₹45,168 5,000 3.19.46.620.626.817.2
HDFC Balanced Advantage Fund Growth ₹527.061
↑ 2.34
₹101,080 5,000 0.87.23.219.824.516.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 16 Oct 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryJM Equity Hybrid FundUTI Multi Asset FundICICI Prudential Multi-Asset FundICICI Prudential Equity and Debt FundHDFC Balanced Advantage Fund
Point 1Bottom quartile AUM (₹804 Cr).Bottom quartile AUM (₹5,941 Cr).Upper mid AUM (₹64,770 Cr).Lower mid AUM (₹45,168 Cr).Highest AUM (₹101,080 Cr).
Point 2Oldest track record among peers (30 yrs).Established history (17+ yrs).Established history (22+ yrs).Established history (25+ yrs).Established history (25+ yrs).
Point 3Rating: 1★ (bottom quartile).Rating: 1★ (bottom quartile).Rating: 2★ (lower mid).Top rated.Rating: 4★ (upper mid).
Point 4Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 21.59% (bottom quartile).5Y return: 16.33% (bottom quartile).5Y return: 25.92% (upper mid).5Y return: 26.81% (top quartile).5Y return: 24.54% (lower mid).
Point 63Y return: 21.51% (top quartile).3Y return: 20.84% (upper mid).3Y return: 20.79% (lower mid).3Y return: 20.64% (bottom quartile).3Y return: 19.77% (bottom quartile).
Point 71Y return: -4.39% (bottom quartile).1Y return: 6.04% (lower mid).1Y return: 11.09% (top quartile).1Y return: 6.58% (upper mid).1Y return: 3.17% (bottom quartile).
Point 81M return: 0.66% (bottom quartile).1M return: 2.34% (top quartile).1M return: 2.32% (upper mid).1M return: 1.00% (bottom quartile).1M return: 1.06% (lower mid).
Point 9Alpha: -8.63 (bottom quartile).Alpha: 0.00 (upper mid).Alpha: 0.00 (lower mid).Alpha: 2.96 (top quartile).Alpha: 0.00 (bottom quartile).
Point 10Sharpe: -1.21 (bottom quartile).Sharpe: -0.52 (lower mid).Sharpe: 0.08 (top quartile).Sharpe: -0.29 (upper mid).Sharpe: -0.76 (bottom quartile).

JM Equity Hybrid Fund

  • Bottom quartile AUM (₹804 Cr).
  • Oldest track record among peers (30 yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 21.59% (bottom quartile).
  • 3Y return: 21.51% (top quartile).
  • 1Y return: -4.39% (bottom quartile).
  • 1M return: 0.66% (bottom quartile).
  • Alpha: -8.63 (bottom quartile).
  • Sharpe: -1.21 (bottom quartile).

UTI Multi Asset Fund

  • Bottom quartile AUM (₹5,941 Cr).
  • Established history (17+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 16.33% (bottom quartile).
  • 3Y return: 20.84% (upper mid).
  • 1Y return: 6.04% (lower mid).
  • 1M return: 2.34% (top quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: -0.52 (lower mid).

ICICI Prudential Multi-Asset Fund

  • Upper mid AUM (₹64,770 Cr).
  • Established history (22+ yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 25.92% (upper mid).
  • 3Y return: 20.79% (lower mid).
  • 1Y return: 11.09% (top quartile).
  • 1M return: 2.32% (upper mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 0.08 (top quartile).

ICICI Prudential Equity and Debt Fund

  • Lower mid AUM (₹45,168 Cr).
  • Established history (25+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 26.81% (top quartile).
  • 3Y return: 20.64% (bottom quartile).
  • 1Y return: 6.58% (upper mid).
  • 1M return: 1.00% (bottom quartile).
  • Alpha: 2.96 (top quartile).
  • Sharpe: -0.29 (upper mid).

HDFC Balanced Advantage Fund

  • Highest AUM (₹101,080 Cr).
  • Established history (25+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 24.54% (lower mid).
  • 3Y return: 19.77% (bottom quartile).
  • 1Y return: 3.17% (bottom quartile).
  • 1M return: 1.06% (lower mid).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: -0.76 (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.

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Nippon India Index Fund - Sensex Plan Growth ₹42.4915
↑ 0.44
₹8991.193.113.716.58.9
LIC MF Index Fund Sensex Growth ₹156.051
↑ 1.61
₹870.98.72.513.115.98.2
Franklin India Index Fund Nifty Plan Growth ₹206.418
↑ 2.11
₹7371.79.73.214.717.39.5
IDBI Nifty Index Fund Growth ₹36.2111
↓ -0.02
₹2089.111.916.220.311.7
Nippon India Index Fund - Nifty Plan Growth ₹43.4282
↑ 0.44
₹2,6071.79.83.314.817.29.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 16 Oct 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryNippon India Index Fund - Sensex PlanLIC MF Index Fund SensexFranklin India Index Fund Nifty PlanIDBI Nifty Index FundNippon India Index Fund - Nifty Plan
Point 1Upper mid AUM (₹899 Cr).Bottom quartile AUM (₹87 Cr).Lower mid AUM (₹737 Cr).Bottom quartile AUM (₹208 Cr).Highest AUM (₹2,607 Cr).
Point 2Established history (15+ yrs).Established history (22+ yrs).Oldest track record among peers (25 yrs).Established history (15+ yrs).Established history (15+ yrs).
Point 3Top rated.Rating: 1★ (upper mid).Rating: 1★ (lower mid).Rating: 1★ (bottom quartile).Rating: 1★ (bottom quartile).
Point 4Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 16.52% (lower mid).5Y return: 15.95% (bottom quartile).5Y return: 17.30% (top quartile).5Y return: 11.74% (bottom quartile).5Y return: 17.24% (upper mid).
Point 63Y return: 13.67% (bottom quartile).3Y return: 13.15% (bottom quartile).3Y return: 14.71% (lower mid).3Y return: 20.28% (top quartile).3Y return: 14.82% (upper mid).
Point 71Y return: 3.15% (bottom quartile).1Y return: 2.49% (bottom quartile).1Y return: 3.16% (lower mid).1Y return: 16.16% (top quartile).1Y return: 3.27% (upper mid).
Point 81M return: 1.29% (bottom quartile).1M return: 1.22% (bottom quartile).1M return: 1.35% (upper mid).1M return: 3.68% (top quartile).1M return: 1.34% (lower mid).
Point 9Alpha: -0.51 (lower mid).Alpha: -1.14 (bottom quartile).Alpha: -0.50 (upper mid).Alpha: -1.03 (bottom quartile).Alpha: -0.49 (top quartile).
Point 10Sharpe: -0.65 (bottom quartile).Sharpe: -0.70 (bottom quartile).Sharpe: -0.61 (upper mid).Sharpe: 1.04 (top quartile).Sharpe: -0.61 (lower mid).

Nippon India Index Fund - Sensex Plan

  • Upper mid AUM (₹899 Cr).
  • Established history (15+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 16.52% (lower mid).
  • 3Y return: 13.67% (bottom quartile).
  • 1Y return: 3.15% (bottom quartile).
  • 1M return: 1.29% (bottom quartile).
  • Alpha: -0.51 (lower mid).
  • Sharpe: -0.65 (bottom quartile).

LIC MF Index Fund Sensex

  • Bottom quartile AUM (₹87 Cr).
  • Established history (22+ yrs).
  • Rating: 1★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 15.95% (bottom quartile).
  • 3Y return: 13.15% (bottom quartile).
  • 1Y return: 2.49% (bottom quartile).
  • 1M return: 1.22% (bottom quartile).
  • Alpha: -1.14 (bottom quartile).
  • Sharpe: -0.70 (bottom quartile).

Franklin India Index Fund Nifty Plan

  • Lower mid AUM (₹737 Cr).
  • Oldest track record among peers (25 yrs).
  • Rating: 1★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 17.30% (top quartile).
  • 3Y return: 14.71% (lower mid).
  • 1Y return: 3.16% (lower mid).
  • 1M return: 1.35% (upper mid).
  • Alpha: -0.50 (upper mid).
  • Sharpe: -0.61 (upper 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 (₹2,607 Cr).
  • Established history (15+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 17.24% (upper mid).
  • 3Y return: 14.82% (upper mid).
  • 1Y return: 3.27% (upper mid).
  • 1M return: 1.34% (lower mid).
  • Alpha: -0.49 (top quartile).
  • Sharpe: -0.61 (lower 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

  • Bottom quartile AUM (₹1,421 Cr).
  • Oldest track record among peers (18 yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 17.52% (bottom quartile).
  • 3Y return: 53.96% (top quartile).
  • 1Y return: 106.80% (top quartile).
  • Alpha: 3.15 (top quartile).
  • Sharpe: 1.80 (bottom quartile).
  • Information ratio: -1.09 (bottom quartile).
  • Top sector: Basic Materials.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~96%).
  • Largest holding BGF World Gold I2 (~76.6%).
  • Top-3 holdings concentration ~100.2%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund
Growth
Launch Date 14 Sep 07
NAV (15 Oct 25) ₹47.0958 ↑ 0.82   (1.78 %)
Net Assets (Cr) ₹1,421 on 31 Aug 25
Category Equity - Global
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk High
Expense Ratio 1.41
Sharpe Ratio 1.8
Information Ratio -1.09
Alpha Ratio 3.15
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.

DateValue
30 Sep 20₹10,000
30 Sep 21₹7,753
30 Sep 22₹6,406
30 Sep 23₹7,497
30 Sep 24₹10,968
30 Sep 25₹21,899

DSP World Gold Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047
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 15 Oct 25

DurationReturns
1 Month 15.2%
3 Month 54.8%
6 Month 62.1%
1 Year 106.8%
3 Year 54%
5 Year 17.5%
10 Year
15 Year
Since launch 8.9%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Jay Kothari1 Mar 1312.51 Yr.

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

Equity Sector Allocation
SectorValue
Basic Materials95.55%
Asset Allocation
Asset ClassValue
Cash1.55%
Equity95.62%
Debt0.01%
Other2.83%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
BGF World Gold I2
Investment Fund | -
77%₹1,088 Cr1,545,650
↓ -32,885
VanEck Gold Miners ETF
- | GDX
22%₹318 Cr573,719
Treps / Reverse Repo Investments
CBLO/Reverse Repo | -
1%₹18 Cr
Net Receivables/Payables
Net Current Assets | -
0%-₹3 Cr

2. IDBI Gold Fund

The investment objective of the Scheme will be to generate returns that correspond closely to the returns generated by IDBI Gold Exchange Traded Fund (IDBI GOLD ETF).

Research Highlights for IDBI Gold Fund

  • Bottom quartile AUM (₹254 Cr).
  • Established history (13+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 19.16% (top quartile).
  • 3Y return: 34.41% (upper mid).
  • 1Y return: 63.73% (upper mid).
  • 1M return: 14.25% (upper mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 2.38 (bottom quartile).
  • Information ratio: 0.00 (top quartile).
  • Top bond sector: Cash Equivalent.
  • Largest holding LIC MF Gold ETF (~98.9%).
  • Top-3 holdings concentration ~100.9%.

Below is the key information for IDBI Gold Fund

IDBI Gold Fund
Growth
Launch Date 14 Aug 12
NAV (16 Oct 25) ₹33.0779 ↓ -0.22   (-0.67 %)
Net Assets (Cr) ₹254 on 31 Aug 25
Category Gold - Gold
AMC IDBI Asset Management Limited
Rating Not Rated
Risk Moderately High
Expense Ratio 0.64
Sharpe Ratio 2.38
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹9,217
30 Sep 22₹10,058
30 Sep 23₹11,430
30 Sep 24₹14,833
30 Sep 25₹22,097

IDBI Gold Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520
Invest Now

Returns for IDBI 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 15 Oct 25

DurationReturns
1 Month 14.3%
3 Month 29.3%
6 Month 33.5%
1 Year 63.7%
3 Year 34.4%
5 Year 19.2%
10 Year
15 Year
Since launch 9.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 18.7%
2023 14.8%
2022 12%
2021 -4%
2020 24.2%
2019 21.6%
2018 5.8%
2017 1.4%
2016 8.3%
2015 -8.7%
Fund Manager information for IDBI Gold Fund
NameSinceTenure
Sumit Bhatnagar1 Jun 241.25 Yr.

Data below for IDBI Gold Fund as on 31 Aug 25

Asset Allocation
Asset ClassValue
Cash2.08%
Other97.92%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
LIC MF Gold ETF
- | -
99%₹251 Cr270,044
↑ 31,450
Treps
CBLO/Reverse Repo | -
2%₹4 Cr
Net Receivables / (Payables)
CBLO | -
0%-₹1 Cr

3. HDFC Gold Fund

To seek capital appreciation by investing in units of HDFC Gold Exchange Traded Fund (HGETF).

Research Highlights for HDFC Gold Fund

  • Upper mid AUM (₹4,915 Cr).
  • Established history (13+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 18.47% (lower mid).
  • 3Y return: 34.19% (bottom quartile).
  • 1Y return: 63.13% (bottom quartile).
  • 1M return: 14.24% (lower mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 2.55 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Top bond sector: Cash Equivalent.
  • Largest holding HDFC Gold ETF (~100.0%).
  • Top-3 holdings concentration ~100.6%.

Below is the key information for HDFC Gold Fund

HDFC Gold Fund
Growth
Launch Date 24 Oct 11
NAV (16 Oct 25) ₹37.9634 ↓ -0.01   (-0.02 %)
Net Assets (Cr) ₹4,915 on 31 Aug 25
Category Gold - Gold
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 0.49
Sharpe Ratio 2.55
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load 0-6 Months (2%),6-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹8,979
30 Sep 22₹9,716
30 Sep 23₹11,065
30 Sep 24₹14,244
30 Sep 25₹21,453

HDFC Gold Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656
Invest Now

Returns for HDFC 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 15 Oct 25

DurationReturns
1 Month 14.2%
3 Month 29.6%
6 Month 33%
1 Year 63.1%
3 Year 34.2%
5 Year 18.5%
10 Year
15 Year
Since launch 10%
Historical performance (Yearly) on absolute basis
YearReturns
2024 18.9%
2023 14.1%
2022 12.7%
2021 -5.5%
2020 27.5%
2019 21.7%
2018 6.6%
2017 2.8%
2016 10.1%
2015 -7.3%
Fund Manager information for HDFC Gold Fund
NameSinceTenure
Arun Agarwal15 Feb 232.54 Yr.
Nandita Menezes29 Mar 250.43 Yr.

Data below for HDFC Gold Fund as on 31 Aug 25

Asset Allocation
Asset ClassValue
Cash1.62%
Other98.38%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Gold ETF
- | -
100%₹4,914 Cr558,222,024
↑ 22,311,579
Treps - Tri-Party Repo
CBLO/Reverse Repo | -
0%₹14 Cr
Net Current Assets
Net Current Assets | -
0%-₹14 Cr

4. SBI Gold Fund

The scheme seeks to provide returns that closely correspond to returns provided by SBI - ETF Gold (Previously known as SBI GETS).

Research Highlights for SBI Gold Fund

  • Highest AUM (₹5,221 Cr).
  • Established history (14+ yrs).
  • Rating: 2★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 18.65% (upper mid).
  • 3Y return: 34.25% (lower mid).
  • 1Y return: 63.25% (lower mid).
  • 1M return: 14.24% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 2.58 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Top bond sector: Cash Equivalent.
  • Largest holding SBI Gold ETF (~100.0%).
  • Top-3 holdings concentration ~100.9%.

Below is the key information for SBI Gold Fund

SBI Gold Fund
Growth
Launch Date 12 Sep 11
NAV (16 Oct 25) ₹37.1548 ↑ 0.01   (0.04 %)
Net Assets (Cr) ₹5,221 on 31 Aug 25
Category Gold - Gold
AMC SBI Funds Management Private Limited
Rating
Risk Moderately High
Expense Ratio 0.3
Sharpe Ratio 2.58
Information Ratio 0
Alpha Ratio 0
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.

DateValue
30 Sep 20₹10,000
30 Sep 21₹9,030
30 Sep 22₹9,763
30 Sep 23₹11,132
30 Sep 24₹14,369
30 Sep 25₹21,663

SBI Gold Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656
Invest Now

Returns for SBI 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 15 Oct 25

DurationReturns
1 Month 14.2%
3 Month 29.6%
6 Month 33.2%
1 Year 63.3%
3 Year 34.3%
5 Year 18.6%
10 Year
15 Year
Since launch 9.8%
Historical performance (Yearly) on absolute basis
YearReturns
2024 19.6%
2023 14.1%
2022 12.6%
2021 -5.7%
2020 27.4%
2019 22.8%
2018 6.4%
2017 3.5%
2016 10%
2015 -8.1%
Fund Manager information for SBI Gold Fund
NameSinceTenure
Raviprakash Sharma12 Sep 1113.98 Yr.

Data below for SBI Gold Fund as on 31 Aug 25

Asset Allocation
Asset ClassValue
Cash1.46%
Other98.54%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
SBI Gold ETF
- | -
100%₹5,221 Cr593,717,240
↑ 32,905,406
Treps
CBLO/Reverse Repo | -
0%₹23 Cr
Net Receivable / Payable
CBLO | -
0%-₹22 Cr

5. Nippon India Gold Savings Fund

The investment objective of the Scheme is to seek to provide returns that closely correspond to returns provided by Reliance ETF Gold BeES.

Research Highlights for Nippon India Gold Savings Fund

  • Lower mid AUM (₹3,439 Cr).
  • Established history (14+ yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 18.38% (bottom quartile).
  • 3Y return: 34.07% (bottom quartile).
  • 1Y return: 62.88% (bottom quartile).
  • 1M return: 14.13% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 2.52 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Top bond sector: Cash Equivalent.
  • Largest holding Nippon India ETF Gold BeES (~100.0%).
  • Top-3 holdings concentration ~100.4%.

Below is the key information for Nippon India Gold Savings Fund

Nippon India Gold Savings Fund
Growth
Launch Date 7 Mar 11
NAV (16 Oct 25) ₹48.596 ↑ 0.04   (0.07 %)
Net Assets (Cr) ₹3,439 on 31 Aug 25
Category Gold - Gold
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderately High
Expense Ratio 0.35
Sharpe Ratio 2.52
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-1 Years (2%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹8,958
30 Sep 22₹9,692
30 Sep 23₹11,032
30 Sep 24₹14,174
30 Sep 25₹21,300

Nippon India Gold Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656
Invest Now

Returns for Nippon India Gold Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Oct 25

DurationReturns
1 Month 14.1%
3 Month 29.4%
6 Month 32.7%
1 Year 62.9%
3 Year 34.1%
5 Year 18.4%
10 Year
15 Year
Since launch 11.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 19%
2023 14.3%
2022 12.3%
2021 -5.5%
2020 26.6%
2019 22.5%
2018 6%
2017 1.7%
2016 11.6%
2015 -8.1%
Fund Manager information for Nippon India Gold Savings Fund
NameSinceTenure
Himanshu Mange23 Dec 231.69 Yr.

Data below for Nippon India Gold Savings Fund as on 31 Aug 25

Asset Allocation
Asset ClassValue
Cash1.37%
Other98.63%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Nippon India ETF Gold BeES
- | -
100%₹3,438 Cr402,870,511
↑ 7,653,772
Triparty Repo
CBLO/Reverse Repo | -
0%₹8 Cr
Net Current Assets
Net Current Assets | -
0%-₹7 Cr
Cash Margin - Ccil
CBLO | -
0%₹0 Cr
Cash
Net Current Assets | -
0%₹0 Cr00

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

Lump-Sum-Calculator

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.
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