म्युच्युअल फंड वि एफडी (फिक्स्ड डिपॉझिट)

Updated on October 29, 2025 , 13763 views

म्युच्युअल फंड विएफडी? पैसे वाचवण्याचा विचार करताना, बहुतेक लोक प्रथम गोष्ट जी करण्याचा विचार करतातगुंतवणूक मुदत ठेवींमध्ये (FDs). हे सहसा समजण्यास सोपे असल्यामुळे आणि पिढ्यानपिढ्या केले जात आहे. पण ही सर्वात योग्य गुंतवणूक आहे का? आणि तो सर्वोत्तम परतावा देतो का? किंवा म्युच्युअल फंड गुंतवणुकीमुळे उद्देश अधिक चांगल्या प्रकारे पूर्ण होऊ शकतो? या प्रश्नांची उत्तरे जाणून घेण्यासाठी खाली वाचा!

एफडी किंवा मुदत ठेव

फिक्स्ड डिपॉझिट, ज्याला FD म्हणून देखील ओळखले जाते ही एक लोकप्रिय आहेबँक दीर्घकालीन आणि अल्पकालीन गुंतवणुकीसाठी योग्य गुंतवणूक पर्याय. FD परतावा निश्चित केला जातो कारण FD व्याज दर भारत सरकारने पूर्व-निर्धारित केला आहे. मुदत ठेवींवरील व्याजदर निश्चित केला जात आहे, त्याचा कोणताही परिणाम होत नाहीमहागाई या गुंतवणुकीवर.

तसेच, एफडी परतावा गुंतवणूकदारांच्या हातात करपात्र असतो. तथापि, एफडी गुंतवणूक अंतर्गत कर कपातीसाठी जबाबदार आहेतकलम 80C च्याआयकर कायदा.

म्युच्युअल फंड

म्युच्युअल फंड हे तीन प्रकारचे असतात, डेट, इक्विटी आणि बॅलन्स्डम्युच्युअल फंड.डेट म्युच्युअल फंड ते आहेत जे बहुतेक मालमत्ता सरकारमध्ये गुंतवतातबंध, कॉर्पोरेट बाँड्स आणि बाकीचे इक्विटी मार्केट्समध्ये. याउलट, इक्विटी म्युच्युअल फंड त्याच्या 65% पेक्षा जास्त मालमत्ता इक्विटी मार्केटमध्ये गुंतवतात आणि उर्वरित सरकारी बाँड्स, कॉर्पोरेट बाँड्स आणि सिक्युरिटीजमध्ये गुंतवतात. तर बॅलन्स्ड म्युच्युअल फंड असे आहेत जे अंशतः कर्जामध्ये आणि अंशतः गुंतवणूक करतातइक्विटी फंड. म्युच्युअल फंड हे चलनवाढ रोखण्याचे साधन आहे, त्यामुळे ते अधिक करक्षम आहे आणि दीर्घकालीन गुंतवणुकीवर चांगले परतावा देण्याची अपेक्षा आहे.

दीर्घकालीन गुंतवणूक कोणती चांगली आहे?

आता आपल्याला माहित आहे की म्युच्युअल फंड आणि मुदत ठेवी (एफडी) दोन्ही आहेतकर बचत गुंतवणूक, उद्भवणारा प्रश्न असा आहे - कोठे गुंतवणूक करावी? जरी हा एक व्यक्तिपरक प्रश्न आहे आणि त्याचे उत्तर व्यक्तीपरत्वे बदलू शकते, खाली विविध पॅरामीटर्सवर आधारित तुलना नमूद केली आहे जी तुम्हाला अधिक चांगली निवड करण्यात मदत करू शकते.

1. म्युच्युअल फंड परतावा आणि एफडी परतावा

मुदत ठेवीवरील परतावा पूर्व-निर्दिष्ट असतो आणि संपूर्ण कार्यकाळात बदलत नाही. म्युच्युअल फंड, आर्थिकशी जोडलेले असतानाबाजार, दीर्घकालीन गुंतवणुकीवर चांगला परतावा देतात.

2. FD व्याज दर आणि म्युच्युअल फंड परतावा

FD वरील व्याज दर FD च्या प्रकारावर किंवा FD च्या कालावधीनुसार निश्चित केले जातात, त्यामुळे कोणीही मुदत ठेवींवर जास्त व्याजदराची अपेक्षा करू शकत नाही. दुसरीकडे, म्युच्युअल फंडांवरील परतावा बदलतो कारण विविध प्रकारचे फंड अस्थिर परतावा देतात. जर बाजार उंचावर गेला तर परतावा वाढतो आणि उलट.

3. जोखीम घटक

मुदत ठेवींना कोणताही धोका नसतो कारण परतावा पूर्वनिर्धारित असतो. तसेच, बँकेचा भंडाफोड झाल्यास सर्व बँक खात्यांचा INR 1 लाखांपर्यंत विमा उतरवला जातो. दुसरीकडे, म्युच्युअल फंड त्यांच्या मालमत्तेची आर्थिक बाजारपेठेत गुंतवणूक करत असल्याने त्यांना जास्त जोखीम असते. इक्विटी म्युच्युअल फंड, ज्याची बहुतेक मालमत्ता इक्विटी मार्केटमध्ये गुंतवलेली असते, त्यात जास्त जोखीम असते. डेट म्युच्युअल फंडात गुंतवणूक करणे कमी जोखमीचे असते, कारण या फंडाचा फार कमी भाग शेअर बाजारात गुंतवला जातो.

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4. महागाईचा प्रभाव

व्याजदर पूर्वनिर्धारित असल्याने मुदत ठेवींवर महागाईचा कोणताही परिणाम होत नाही. तर, म्युच्युअल फंडांसाठी, परतावा महागाई-समायोजित असतो ज्यामुळे चांगले परतावा मिळविण्याची क्षमता वाढते.

5. भांडवली नफा

नाही आहेतभांडवल एफडीच्या बाबतीत लाभ संभवतो. म्युच्युअल फंडांसाठी,भांडवली नफा होल्डिंग कालावधीवर अवलंबून आहे. वेगवेगळे म्युच्युअल फंड वेगवेगळे भांडवली नफा देतात.

6. तरलता

मुदत ठेवी आहेतइलिक्विड, गुंतवलेली रक्कम ठराविक वेळेसाठी लॉक केलेली असते. त्या कालावधीपूर्वी पैसे काढल्यास, विशिष्ट दंड वजा केला जातो. म्युच्युअल फंड तरल असतात कारण ते फारसे काही न करता कमी कालावधीत विकले जाऊ शकतातघसारा निधी मूल्य मध्ये. तथापि, काही म्युच्युअल फंडांच्या विक्रीवर लागू होणारे एक्झिट लोड तपासणे महत्त्वाचे आहे.

7. कर आकारणी

मुदत ठेवीवरील व्याजावर व्यक्तीच्या कर स्लॅबनुसार कर आकारला जातो. दुसरीकडे,म्युच्युअल फंड कर आकारणी मुख्यतः होल्डिंग कालावधीवर अवलंबून असते. शॉर्ट टर्म कॅपिटल गेन (STCG) आणि लाँग टर्म कॅपिटल गेन्स (LTCG) या दोन्हींवर वेगळ्या पद्धतीने कर आकारला जातो.

8. कर बचत FD च्या V/S इक्विटी लिंक्ड सेव्हिंग स्कीम्स (ELSS)

आयटी कायद्याच्या कलम 80c अंतर्गत कर बचतीच्या उद्देशाने एफडीचा विचार करणाऱ्या गुंतवणूकदारांसाठी. (५ वर्ष लॉकिन)ELSS म्युच्युअल फंड हे चांगले पर्याय आहेत कारण ते 3 वर्षांचे लॉक इन आहेत आणि ऐतिहासिकदृष्ट्या चांगले परतावा देऊ करतात.

चांगली गुंतवणूक योजना कोणती आहे?

चला थोडक्यात पाहू:

पॅरामीटर	म्युच्युअल फंड	मुदत ठेव
परताव्याचा दर	खात्रीशीर परतावे नाहीत	निश्चित परतावा
चलनवाढ समायोजित परतावा	उच्च चलनवाढ समायोजित परताव्यासाठी संभाव्य	सहसा कमी चलनवाढ समायोजित परतावा
धोका	मध्यम ते उच्च धोका	कमी धोका
तरलता	द्रव	द्रव
मुदतपूर्व पैसे काढणे	एक्झिट लोड/नो लोडसह परवानगी आहे	दंडासह परवानगी
गुंतवणुकीची किंमत	व्यवस्थापन खर्च/खर्चाचे प्रमाण	कोणतीही किंमत नाही
कर स्थिती	अनुकूल कर स्थिती	टॅक्स स्लॅब नुसार

2022 मध्ये गुंतवणूक करण्यासाठी सर्वोत्तम म्युच्युअल फंड

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
ICICI Prudential Infrastructure Fund Growth	₹201.06 ↓ -1.10	₹7,645	3.8	11.5	5	27.7	37.6	27.4
HDFC Infrastructure Fund Growth	₹48.844 ↓ -0.09	₹2,483	2.9	9.9	1.9	28.1	35.4	23
SBI PSU Fund Growth	₹33.6704 ↑ 0.00	₹5,179	7.5	9.2	6	30.4	33.5	23.5
Franklin Build India Fund Growth	₹146.165 ↓ -0.78	₹2,884	3.1	10.4	2.7	27.1	33.4	27.8
DSP India T.I.G.E.R Fund Growth	₹319.271 ↓ -0.98	₹5,303	2.2	10.9	-2.9	26	33.2	32.4
Bandhan Infrastructure Fund Growth	₹50.14 ↓ -0.22	₹1,613	-0.1	7.3	-4	26.7	32.9	39.3
Nippon India Power and Infra Fund Growth	₹357.337 ↓ -2.18	₹7,175	4.4	9.9	1.3	27.3	32.9	26.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Oct 25

Research Highlights & Commentary of 7 Funds showcased

Commentary	ICICI Prudential Infrastructure Fund	HDFC Infrastructure Fund	SBI PSU Fund	Franklin Build India Fund	DSP India T.I.G.E.R Fund	Bandhan Infrastructure Fund	Nippon India Power and Infra Fund
Point 1	Highest AUM (₹7,645 Cr).	Bottom quartile AUM (₹2,483 Cr).	Lower mid AUM (₹5,179 Cr).	Lower mid AUM (₹2,884 Cr).	Upper mid AUM (₹5,303 Cr).	Bottom quartile AUM (₹1,613 Cr).	Upper mid AUM (₹7,175 Cr).
Point 2	Established history (20+ yrs).	Established history (17+ yrs).	Established history (15+ yrs).	Established history (16+ yrs).	Oldest track record among peers (21 yrs).	Established history (14+ yrs).	Established history (21+ yrs).
Point 3	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 2★ (bottom quartile).	Top rated.	Rating: 4★ (upper mid).	Rating: 5★ (upper mid).	Rating: 4★ (lower mid).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 37.65% (top quartile).	5Y return: 35.40% (upper mid).	5Y return: 33.54% (upper mid).	5Y return: 33.43% (lower mid).	5Y return: 33.17% (lower mid).	5Y return: 32.89% (bottom quartile).	5Y return: 32.88% (bottom quartile).
Point 6	3Y return: 27.74% (upper mid).	3Y return: 28.14% (upper mid).	3Y return: 30.35% (top quartile).	3Y return: 27.07% (lower mid).	3Y return: 26.01% (bottom quartile).	3Y return: 26.69% (bottom quartile).	3Y return: 27.33% (lower mid).
Point 7	1Y return: 4.96% (upper mid).	1Y return: 1.89% (lower mid).	1Y return: 6.04% (top quartile).	1Y return: 2.74% (upper mid).	1Y return: -2.94% (bottom quartile).	1Y return: -3.96% (bottom quartile).	1Y return: 1.28% (lower mid).
Point 8	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: -0.35 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (lower mid).	Alpha: -3.51 (bottom quartile).
Point 9	Sharpe: -0.48 (top quartile).	Sharpe: -0.64 (upper mid).	Sharpe: -0.81 (bottom quartile).	Sharpe: -0.64 (upper mid).	Sharpe: -0.71 (bottom quartile).	Sharpe: -0.71 (lower mid).	Sharpe: -0.66 (lower mid).
Point 10	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: -0.37 (bottom quartile).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.79 (top quartile).

ICICI Prudential Infrastructure Fund

Highest AUM (₹7,645 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 37.65% (top quartile).
3Y return: 27.74% (upper mid).
1Y return: 4.96% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: -0.48 (top quartile).
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: 35.40% (upper mid).
3Y return: 28.14% (upper mid).
1Y return: 1.89% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.64 (upper mid).
Information ratio: 0.00 (upper mid).

SBI PSU Fund

Lower mid AUM (₹5,179 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 33.54% (upper mid).
3Y return: 30.35% (top quartile).
1Y return: 6.04% (top quartile).
Alpha: -0.35 (bottom quartile).
Sharpe: -0.81 (bottom quartile).
Information ratio: -0.37 (bottom quartile).

Franklin Build India Fund

Lower mid AUM (₹2,884 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: High.
5Y return: 33.43% (lower mid).
3Y return: 27.07% (lower mid).
1Y return: 2.74% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.64 (upper mid).
Information ratio: 0.00 (lower mid).

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

Upper mid AUM (₹5,303 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 33.17% (lower mid).
3Y return: 26.01% (bottom quartile).
1Y return: -2.94% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.71 (bottom quartile).
Information ratio: 0.00 (lower mid).

Bandhan Infrastructure Fund

Bottom quartile AUM (₹1,613 Cr).
Established history (14+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 32.89% (bottom quartile).
3Y return: 26.69% (bottom quartile).
1Y return: -3.96% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.71 (lower mid).
Information ratio: 0.00 (bottom quartile).

Nippon India Power and Infra Fund

Upper mid AUM (₹7,175 Cr).
Established history (21+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 32.88% (bottom quartile).
3Y return: 27.33% (lower mid).
1Y return: 1.28% (lower mid).
Alpha: -3.51 (bottom quartile).
Sharpe: -0.66 (lower mid).
Information ratio: 0.79 (top quartile).

*खाली ७ ची यादी आहेसर्वोत्तम म्युच्युअल फंड पेक्षा जास्त निव्वळ मालमत्ता/एयूएम असणे100 कोटी. 5 वर्षावर क्रमवारी लावलीCAGR/वार्षिक परतावा

1. ICICI Prudential Infrastructure Fund

To generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure development and balance in debt securities and money market instruments.

Research Highlights for ICICI Prudential Infrastructure Fund

Highest AUM (₹7,645 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 37.65% (top quartile).
3Y return: 27.74% (upper mid).
1Y return: 4.96% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: -0.48 (top quartile).
Information ratio: 0.00 (upper mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~93%).
High-quality debt (AAA/AA ~100%).
Largest holding Larsen & Toubro Ltd (~8.6%).

Below is the key information for ICICI Prudential Infrastructure Fund

ICICI Prudential Infrastructure Fund Growth
Launch Date	31 Aug 05
NAV (31 Oct 25)	₹201.06 ↓ -1.10 (-0.54 %)
Net Assets (Cr)	₹7,645 on 31 Aug 25
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.48
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹19,902
31 Oct 22	₹23,709
31 Oct 23	₹30,130
31 Oct 24	₹47,075

ICICI Prudential Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹756,118.
Net Profit of ₹456,118 Invest Now

Returns for ICICI Prudential 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 31 Oct 25

Duration	Returns
1 Month	4%
3 Month	3.8%
6 Month	11.5%
1 Year	5%
3 Year	27.7%
5 Year	37.6%
10 Year
15 Year
Since launch	16%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	27.4%
2023	44.6%
2022	28.8%
2021	50.1%
2020	3.6%
2019	2.6%
2018	-14%
2017	40.8%
2016	2%
2015	-3.4%

Fund Manager information for ICICI Prudential Infrastructure Fund

Name	Since	Tenure
Ihab Dalwai	3 Jun 17	8.33 Yr.
Sharmila D’mello	30 Jun 22	3.26 Yr.

Data below for ICICI Prudential Infrastructure Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Industrials	36.47%
Basic Materials	15.25%
Financial Services	14.68%
Utility	10.24%
Energy	9.47%
Real Estate	2.93%
Consumer Cyclical	1.84%
Communication Services	1.67%

Asset Allocation

Asset Class	Value
Cash	7.43%
Equity	92.57%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 09 \| LT	9%	₹674 Cr	1,843,204 ↓ -155,750
NTPC Ltd (Utilities) Equity, Since 29 Feb 16 \| 532555	4%	₹352 Cr	10,329,473 ↓ -750,000
Vedanta Ltd (Basic Materials) Equity, Since 31 Jul 24 \| 500295	4%	₹293 Cr	6,279,591
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 23 \| RELIANCE	4%	₹277 Cr	2,029,725
NCC Ltd (Industrials) Equity, Since 31 Aug 21 \| NCC	3%	₹271 Cr	13,053,905
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 May 24 \| ADANIPORTS	3%	₹260 Cr	1,854,934 ↓ -413,725
Kalpataru Projects International Ltd (Industrials) Equity, Since 30 Sep 06 \| KPIL	3%	₹226 Cr	1,803,566
Axis Bank Ltd (Financial Services) Equity, Since 31 Dec 20 \| 532215	3%	₹226 Cr	1,996,057
AIA Engineering Ltd (Industrials) Equity, Since 28 Feb 21 \| AIAENG	3%	₹202 Cr	660,770
CESC Ltd (Utilities) Equity, Since 30 Jun 23 \| CESC	2%	₹189 Cr	11,700,502

2. HDFC Infrastructure Fund

To seek long-term capital appreciation by investing predominantly in equity and equity related securities of companies engaged in or expected to benefit from growth and development of infrastructure.

Research Highlights for HDFC Infrastructure Fund

Bottom quartile AUM (₹2,483 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 35.40% (upper mid).
3Y return: 28.14% (upper mid).
1Y return: 1.89% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.64 (upper mid).
Information ratio: 0.00 (upper mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~92%).
Largest holding ICICI Bank Ltd (~5.9%).

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund Growth
Launch Date	10 Mar 08
NAV (31 Oct 25)	₹48.844 ↓ -0.09 (-0.18 %)
Net Assets (Cr)	₹2,483 on 31 Aug 25
Category	Equity - Sectoral
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	2.06
Sharpe Ratio	-0.64
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹19,027
31 Oct 22	₹21,626
31 Oct 23	₹29,679
31 Oct 24	₹44,661

HDFC Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹721,906.
Net Profit of ₹421,906 Invest Now

Returns for HDFC Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25

Duration	Returns
1 Month	3.4%
3 Month	2.9%
6 Month	9.9%
1 Year	1.9%
3 Year	28.1%
5 Year	35.4%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23%
2023	55.4%
2022	19.3%
2021	43.2%
2020	-7.5%
2019	-3.4%
2018	-29%
2017	43.3%
2016	-1.9%
2015	-2.5%

Fund Manager information for HDFC Infrastructure Fund

Name	Since	Tenure
Srinivasan Ramamurthy	12 Jan 24	1.72 Yr.
Dhruv Muchhal	22 Jun 23	2.28 Yr.

Data below for HDFC Infrastructure Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Industrials	38.53%
Financial Services	19.18%
Basic Materials	10.34%
Utility	7.05%
Energy	6.49%
Communication Services	3.63%
Real Estate	2.48%
Health Care	1.76%
Technology	1.57%
Consumer Cyclical	0.49%

Asset Allocation

Asset Class	Value
Cash	8.47%
Equity	91.53%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| 532174	6%	₹148 Cr	1,100,000 ↓ -200,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 12 \| LT	6%	₹139 Cr	380,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Aug 23 \| HDFCBANK	5%	₹133 Cr	1,400,000
Kalpataru Projects International Ltd (Industrials) Equity, Since 31 Jan 23 \| 522287	4%	₹95 Cr	758,557 ↑ 272
J Kumar Infraprojects Ltd (Industrials) Equity, Since 31 Oct 15 \| JKIL	4%	₹89 Cr	1,403,084 ↑ 3,084
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Dec 21 \| INDIGO	3%	₹84 Cr	150,000
NTPC Ltd (Utilities) Equity, Since 31 Dec 17 \| 532555	3%	₹75 Cr	2,200,646 ↑ 646
Reliance Industries Ltd (Energy) Equity, Since 31 May 24 \| RELIANCE	3%	₹68 Cr	500,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 20 \| BHARTIARTL	3%	₹66 Cr	350,000
State Bank of India (Financial Services) Equity, Since 31 Mar 08 \| SBIN	2%	₹61 Cr	704,361

3. SBI PSU Fund

The objective of the scheme would be to provide investors with opportunities for long-term growth in capital along with the liquidity of an open-ended scheme through an active management of investments in a diversified basket of equity stocks of domestic Public Sector Undertakings and in debt and money market instruments issued by PSUs AND others.

Research Highlights for SBI PSU Fund

Lower mid AUM (₹5,179 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 33.54% (upper mid).
3Y return: 30.35% (top quartile).
1Y return: 6.04% (top quartile).
Alpha: -0.35 (bottom quartile).
Sharpe: -0.81 (bottom quartile).
Information ratio: -0.37 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~15.7%).

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (31 Oct 25)	₹33.6704 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹5,179 on 31 Aug 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.81
Information Ratio	-0.37
Alpha Ratio	-0.35
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹16,381
31 Oct 22	₹19,173
31 Oct 23	₹24,318
31 Oct 24	₹40,047

SBI PSU Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹689,048.
Net Profit of ₹389,048 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 31 Oct 25

Duration	Returns
1 Month	4.2%
3 Month	7.5%
6 Month	9.2%
1 Year	6%
3 Year	30.4%
5 Year	33.5%
10 Year
15 Year
Since launch	8.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23.5%
2023	54%
2022	29%
2021	32.4%
2020	-10%
2019	6%
2018	-23.8%
2017	21.9%
2016	16.2%
2015	-11.1%

Fund Manager information for SBI PSU Fund

Name	Since	Tenure
Rohit Shimpi	1 Jun 24	1.33 Yr.

Data below for SBI PSU Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	36.21%
Utility	29.89%
Energy	13.58%
Industrials	12.34%
Basic Materials	5.79%

Asset Allocation

Asset Class	Value
Cash	2.18%
Equity	97.82%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	16%	₹866 Cr	9,927,500
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	9%	₹524 Cr	12,975,000
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| 532555	9%	₹495 Cr	14,543,244
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| 532898	8%	₹463 Cr	16,535,554
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| 532155	8%	₹454 Cr	25,750,000
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| 500547	6%	₹329 Cr	9,700,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| 532134	5%	₹284 Cr	11,000,000
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| 526371	4%	₹213 Cr	27,900,000
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| 532814	3%	₹182 Cr	2,427,235
Oil India Ltd (Energy) Equity, Since 31 Mar 24 \| OIL	3%	₹159 Cr	3,850,000

4. Franklin Build India Fund

The Scheme seeks to achieve capital appreciation by investing in companies engaged directly or indirectly in infrastructure related activities.

Research Highlights for Franklin Build India Fund

Lower mid AUM (₹2,884 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: High.
5Y return: 33.43% (lower mid).
3Y return: 27.07% (lower mid).
1Y return: 2.74% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.64 (upper mid).
Information ratio: 0.00 (lower mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Larsen & Toubro Ltd (~8.3%).

Below is the key information for Franklin Build India Fund

Franklin Build India Fund Growth
Launch Date	4 Sep 09
NAV (31 Oct 25)	₹146.165 ↓ -0.78 (-0.53 %)
Net Assets (Cr)	₹2,884 on 31 Aug 25
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	2.01
Sharpe Ratio	-0.64
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.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹18,842
31 Oct 22	₹20,613
31 Oct 23	₹26,259
31 Oct 24	₹41,161

Franklin Build India Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹689,048.
Net Profit of ₹389,048 Invest Now

Returns for Franklin Build India Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25

Duration	Returns
1 Month	4.3%
3 Month	3.1%
6 Month	10.4%
1 Year	2.7%
3 Year	27.1%
5 Year	33.4%
10 Year
15 Year
Since launch	18.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	27.8%
2023	51.1%
2022	11.2%
2021	45.9%
2020	5.4%
2019	6%
2018	-10.7%
2017	43.3%
2016	8.4%
2015	2.1%

Fund Manager information for Franklin Build India Fund

Name	Since	Tenure
Ajay Argal	18 Oct 21	3.96 Yr.
Kiran Sebastian	7 Feb 22	3.65 Yr.
Sandeep Manam	18 Oct 21	3.96 Yr.

Data below for Franklin Build India Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Industrials	35.44%
Utility	14.2%
Financial Services	13.18%
Energy	12.89%
Communication Services	7.62%
Basic Materials	5.03%
Real Estate	3.16%
Consumer Cyclical	2.74%
Technology	2.21%

Asset Allocation

Asset Class	Value
Cash	3.52%
Equity	96.48%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 29 Feb 20 \| LT	8%	₹243 Cr	665,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 29 Feb 20 \| INDIGO	6%	₹176 Cr	315,000 ↑ 15,000
Reliance Industries Ltd (Energy) Equity, Since 31 Oct 21 \| RELIANCE	6%	₹164 Cr	1,200,000
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 30 Jun 19 \| 500312	6%	₹163 Cr	6,825,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 12 \| ICICIBANK	5%	₹162 Cr	1,200,000
NTPC Ltd (Utilities) Equity, Since 30 Nov 16 \| 532555	5%	₹148 Cr	4,350,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 09 \| BHARTIARTL	5%	₹133 Cr	710,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 12 \| 532215	4%	₹113 Cr	1,000,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 28 Feb 21 \| 532898	3%	₹101 Cr	3,600,000
GAIL (India) Ltd (Utilities) Equity, Since 31 Jan 25 \| 532155	3%	₹92 Cr	5,200,000 ↑ 400,000

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

To generate capital appreciation, from a portfolio that is substantially constituted of equity securities and equity related securities of corporates, which could benefit from structural changes brought about by continuing liberalization in economic policies by the government and/or continuing investments in infrastructure, both by the public and private sector.

Research Highlights for DSP India T.I.G.E.R Fund

Upper mid AUM (₹5,303 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 33.17% (lower mid).
3Y return: 26.01% (bottom quartile).
1Y return: -2.94% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.71 (bottom quartile).
Information ratio: 0.00 (lower mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~90%).
Largest holding Larsen & Toubro Ltd (~4.7%).

Below is the key information for DSP India T.I.G.E.R Fund

DSP India T.I.G.E.R Fund Growth
Launch Date	11 Jun 04
NAV (31 Oct 25)	₹319.271 ↓ -0.98 (-0.31 %)
Net Assets (Cr)	₹5,303 on 31 Aug 25
Category	Equity - Sectoral
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.72
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
31 Oct 20	₹10,000
31 Oct 21	₹18,690
31 Oct 22	₹20,934
31 Oct 23	₹26,634
31 Oct 24	₹43,153

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

Total investment amount is ₹300,000
expected amount after 5 Years is ₹689,048.
Net Profit of ₹389,048 Invest Now

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

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25

Duration	Returns
1 Month	2.8%
3 Month	2.2%
6 Month	10.9%
1 Year	-2.9%
3 Year	26%
5 Year	33.2%
10 Year
15 Year
Since launch	17.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	32.4%
2023	49%
2022	13.9%
2021	51.6%
2020	2.7%
2019	6.7%
2018	-17.2%
2017	47%
2016	4.1%
2015	0.7%

Fund Manager information for DSP India T.I.G.E.R Fund

Name	Since	Tenure
Rohit Singhania	21 Jun 10	15.29 Yr.

Data below for DSP India T.I.G.E.R Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Industrials	28.9%
Basic Materials	14.22%
Utility	10.79%
Consumer Cyclical	9.07%
Financial Services	8.65%
Health Care	6.05%
Energy	5.41%
Communication Services	2.5%
Technology	1.85%
Real Estate	1.5%
Consumer Defensive	1.15%

Asset Allocation

Asset Class	Value
Cash	9.92%
Equity	90.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 04 \| LT	5%	₹255 Cr	697,669
NTPC Ltd (Utilities) Equity, Since 30 Nov 17 \| 532555	5%	₹243 Cr	7,145,883
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 31 Dec 24 \| APOLLOHOSP	3%	₹182 Cr	245,928
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Dec 24 \| AMBER	3%	₹160 Cr	197,265
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jan 25 \| 532898	3%	₹156 Cr	5,567,574
Kirloskar Oil Engines Ltd (Industrials) Equity, Since 31 Mar 23 \| KIRLOSENG	2%	₹130 Cr	1,412,412
Coal India Ltd (Energy) Equity, Since 31 Dec 23 \| COALINDIA	2%	₹130 Cr	3,321,453
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 18 \| BHARTIARTL	2%	₹129 Cr	688,435
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 31 May 25 \| MCX	2%	₹128 Cr	164,204
Siemens Energy India Ltd (Utilities) Equity, Since 30 Apr 25 \| ENRIN	2%	₹127 Cr	369,482

6. Bandhan Infrastructure Fund

The investment objective of the scheme is to seek to generate long-term capital growth through an active diversified portfolio of predominantly equity and equity related instruments of companies that are participating in and benefiting from growth in Indian infrastructure and infrastructural related activities. However, there can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for Bandhan Infrastructure Fund

Bottom quartile AUM (₹1,613 Cr).
Established history (14+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 32.89% (bottom quartile).
3Y return: 26.69% (bottom quartile).
1Y return: -3.96% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.71 (lower mid).
Information ratio: 0.00 (bottom quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~93%).
Largest holding Kirloskar Brothers Ltd (~5.2%).

Below is the key information for Bandhan Infrastructure Fund

Bandhan Infrastructure Fund Growth
Launch Date	8 Mar 11
NAV (31 Oct 25)	₹50.14 ↓ -0.22 (-0.44 %)
Net Assets (Cr)	₹1,613 on 31 Aug 25
Category	Equity - Sectoral
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	2.1
Sharpe Ratio	-0.71
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹20,050
31 Oct 22	₹20,377
31 Oct 23	₹26,163
31 Oct 24	₹43,146

Bandhan Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹673,113.
Net Profit of ₹373,113 Invest Now

Returns for Bandhan 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 31 Oct 25

Duration	Returns
1 Month	2.2%
3 Month	-0.1%
6 Month	7.3%
1 Year	-4%
3 Year	26.7%
5 Year	32.9%
10 Year
15 Year
Since launch	11.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	39.3%
2023	50.3%
2022	1.7%
2021	64.8%
2020	6.3%
2019	-5.3%
2018	-25.9%
2017	58.7%
2016	10.7%
2015	-0.2%

Fund Manager information for Bandhan Infrastructure Fund

Name	Since	Tenure
Vishal Biraia	24 Jan 24	1.69 Yr.
Ritika Behera	7 Oct 23	1.99 Yr.
Gaurav Satra	7 Jun 24	1.32 Yr.

Data below for Bandhan Infrastructure Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Industrials	53.61%
Utility	12.71%
Basic Materials	7.66%
Communication Services	4.85%
Energy	3.82%
Financial Services	2.89%
Health Care	2.33%
Technology	2.14%
Consumer Cyclical	1.54%
Real Estate	1.3%

Asset Allocation

Asset Class	Value
Cash	7.14%
Equity	92.86%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Kirloskar Brothers Ltd (Industrials) Equity, Since 31 Dec 17 \| KIRLOSBROS	5%	₹84 Cr	433,186
Larsen & Toubro Ltd (Industrials) Equity, Since 29 Feb 12 \| LT	5%	₹75 Cr	206,262
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 19 \| BHARTIARTL	4%	₹66 Cr	352,330 ↑ 22,312
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 24 \| RELIANCE	4%	₹62 Cr	452,706
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Mar 14 \| 532538	4%	₹61 Cr	49,772
Bharat Electronics Ltd (Industrials) Equity, Since 31 Oct 19 \| BEL	4%	₹58 Cr	1,431,700
GPT Infraprojects Ltd (Industrials) Equity, Since 30 Nov 17 \| GPTINFRA	3%	₹53 Cr	4,733,244
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Aug 24 \| INDIGO	3%	₹47 Cr	83,887
Ahluwalia Contracts (India) Ltd (Industrials) Equity, Since 30 Apr 15 \| AHLUCONT	3%	₹46 Cr	462,606
PTC India Financial Services Ltd (Financial Services) Equity, Since 31 Dec 23 \| PFS	3%	₹43 Cr	12,400,122

7. Nippon India Power and Infra Fund

(Erstwhile Reliance Diversified Power Sector Fund)

The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies in the power sector.

Research Highlights for Nippon India Power and Infra Fund

Upper mid AUM (₹7,175 Cr).
Established history (21+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 32.88% (bottom quartile).
3Y return: 27.33% (lower mid).
1Y return: 1.28% (lower mid).
Alpha: -3.51 (bottom quartile).
Sharpe: -0.66 (lower mid).
Information ratio: 0.79 (top quartile).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Reliance Industries Ltd (~8.0%).

Below is the key information for Nippon India Power and Infra Fund

Nippon India Power and Infra Fund Growth
Launch Date	8 May 04
NAV (31 Oct 25)	₹357.337 ↓ -2.18 (-0.61 %)
Net Assets (Cr)	₹7,175 on 31 Aug 25
Category	Equity - Sectoral
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.85
Sharpe Ratio	-0.66
Information Ratio	0.79
Alpha Ratio	-3.51
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹18,067
31 Oct 22	₹20,069
31 Oct 23	₹26,247
31 Oct 24	₹40,909

Nippon India Power and Infra Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹673,113.
Net Profit of ₹373,113 Invest Now

Returns for Nippon India Power and Infra Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25

Duration	Returns
1 Month	3.8%
3 Month	4.4%
6 Month	9.9%
1 Year	1.3%
3 Year	27.3%
5 Year	32.9%
10 Year
15 Year
Since launch	18.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	26.9%
2023	58%
2022	10.9%
2021	48.9%
2020	10.8%
2019	-2.9%
2018	-21.1%
2017	61.7%
2016	0.1%
2015	0.3%

Fund Manager information for Nippon India Power and Infra Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	7.36 Yr.
Rahul Modi	19 Aug 24	1.12 Yr.

Data below for Nippon India Power and Infra Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Industrials	32.83%
Utility	24.03%
Energy	9.35%
Basic Materials	7.89%
Consumer Cyclical	7.49%
Communication Services	5.9%
Technology	4.94%
Real Estate	2.68%
Financial Services	2.23%
Health Care	2.12%

Asset Allocation

Asset Class	Value
Cash	0.53%
Equity	99.47%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 18 \| RELIANCE	8%	₹583 Cr	4,275,000
NTPC Ltd (Utilities) Equity, Since 31 May 09 \| 532555	8%	₹579 Cr	17,000,000 ↑ 300,001
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 18 \| BHARTIARTL	6%	₹432 Cr	2,300,000 ↓ -250,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 07 \| LT	6%	₹415 Cr	1,134,337 ↓ -39,000
Tata Power Co Ltd (Utilities) Equity, Since 30 Apr 23 \| 500400	4%	₹307 Cr	7,900,789
CG Power & Industrial Solutions Ltd (Industrials) Equity, Since 30 Sep 24 \| 500093	3%	₹250 Cr	3,370,014 ↓ -247,000
Bharat Heavy Electricals Ltd (Industrials) Equity, Since 30 Sep 24 \| 500103	3%	₹222 Cr	9,300,838 ↑ 400,000
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Oct 19 \| 532538	3%	₹208 Cr	170,000 ↓ -5,000
Kaynes Technology India Ltd (Technology) Equity, Since 30 Nov 22 \| KAYNES	2%	₹176 Cr	250,113 ↓ -86,114
Carborundum Universal Ltd (Industrials) Equity, Since 30 Sep 23 \| CARBORUNIV	2%	₹166 Cr	1,800,000

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