एसआयपीमधील जोखीम: एसआयपी गुंतवणूकीतील जोखमीचे मूल्यांकन

Updated on September 22, 2025 , 61329 views

मध्ये धोकाSIP वेगवेगळ्या साठी बदलतेम्युच्युअल फंडाचे प्रकार.म्युच्युअल फंडात गुंतवणूक SIP द्वारे (सिस्टमॅटिकगुंतवणूक योजना) यांचा समावेश आहेबाजार लिंक्ड जोखीम, जे नक्कीच जास्त आहेतइक्विटी फंड कर्ज आणि संतुलित पेक्षाम्युच्युअल फंड. SIP मधील जोखीम विचारात घेऊन निवडलेल्या गुंतवणूक पर्यायावर अवलंबून असतेजोखीम प्रोफाइल, जोखीम भूक आणितरलता. तथापि, SIP मधील जोखीम फंड व्यवस्थापक आणि फंड हाऊसद्वारे व्यवस्थापित आणि कमी केली जाऊ शकते.

SIP मध्ये जोखीम मोजण्यासाठी विविध साधने उपलब्ध आहेत जसे कीसिप कॅल्क्युलेटर (एसआयपी रिटर्न कॅल्क्युलेटर म्हणूनही ओळखले जाते).

एसआयपीमधील जोखीम: एसआयपी जोखमींचे मूल्यांकन

जोखीम 1: SIP वर नकारात्मक परतावा मिळण्याचा धोका किंवा किंमत जोखीम

म्युच्युअल फंड गुंतवणूक ही बाजारातील जोखमीच्या अधीन असते, ही सामान्यतः ऐकलेली संज्ञा आहे. याचा अर्थ असा आहे की एसआयपीमधील तुमची गुंतवणूक कमी होऊ शकते आणि बाजार कसे वागते यावर अवलंबून तुम्ही गुंतवणूक केलेल्या मूल्यापेक्षा कमी मूल्य मिळवू शकता.

SIP मधील जोखीम मात्र होल्डिंग कालावधीशी संबंधित आहे आणि सहसा, होल्डिंग कालावधी जितका जास्त असेल तितका जोखीम कमी. जास्त होल्डिंग कालावधीसह नफा कमावण्याची शक्यता वाढते. साठी उदा. इक्विटीसाठी खाली पहा, इक्विटीसाठी जास्त होल्डिंग कालावधीमुळे तोटा होण्याची शक्यता कमी होते. (खालील 1979 ते 2016 पर्यंत BSE सेन्सेक्सवर केलेले विश्लेषण आहे).

जोखीम 2: तुमचे पैसे लवकर परत मिळण्याची जोखीम किंवा तरलता जोखीम

तुमचे पैसे त्वरीत परत मिळवण्याची क्षमता यावर अवलंबून असतेअंतर्निहित गुंतवणूक सहसा म्युच्युअल फंडांमध्ये, ही समस्या नसते, तथापि, असे काही कालावधी (जसे की 2008 मध्ये) आले आहेत, जेव्हा सिक्युरिटीज विकण्यात समस्या आली होती(बंध) आणि काही म्युच्युअल फंडांना काही योजनांमधून पैसे काढणे मर्यादित करावे लागले. इक्विटी मार्केट बर्‍यापैकी तरल आहे (म्हणजे खरेदी आणि विक्रीमध्ये समस्या येत नाही). तथापि, जर विक्रीचे प्रमाण मोठ्या प्रमाणात खरेदीदारांच्या संख्येपेक्षा जास्त असेल, तर यामुळे समस्या निर्माण होईल, त्यामुळे त्यानंतरच्या पेआउटमध्ये समस्या निर्माण होईल आणि त्यामुळे तरलतेचा धोका निर्माण होईल.

जोखीम 3: सुरक्षा किंवा क्रेडिट जोखीम कमी होण्याचा धोका

जेव्हा एखाद्या विशिष्ट कंपनी/संस्थेचे बॉण्ड क्रेडिट रेटिंग एजन्सीद्वारे डाउनग्रेड केले जाते, तेव्हा त्याची किंमत कमी होते. किंमत कमी झाल्यास, याचा परिणाम पोर्टफोलिओच्या एकूण मूल्यावर होतो. याला क्रेडिट रिस्क म्हणतात.

Ready to Invest?
Talk to our investment specialist

जोखीम 4: कंपनी बॉण्डच्या मालकांना त्यांची देय किंवा डीफॉल्ट जोखीम न देण्‍याचा धोका

जेव्हा एखादी कंपनी बॉण्डधारकांना देय देण्यावर चूक करते, तेव्हा त्याला म्हणतातअविचल जोखीम.

सहगुंतवणूकदार त्यांचे पैसे परत मिळत नाहीत, याचा त्यांच्या पोर्टफोलिओवर नकारात्मक परिणाम होईल.

जोखीम 5: तुमच्या व्यवहारावर योग्य प्रक्रिया करण्याचा धोका किंवा तंत्रज्ञानाचा धोका

आज सर्व व्यवहार इलेक्ट्रॉनिक पद्धतीने होतात. विविध टच-पॉइंट्ससह, विविध ठिकाणी, आर अँड टी एजंटमध्ये तांत्रिक बिघाड होण्याची शक्यता असते.बँक निधी डेबिट करणे इ.

व्यवहाराची प्रक्रिया न करणे देखील SIP मध्ये धोका आहे.

जोखीम 6: पोर्टफोलिओ व्यवस्थापकाद्वारे योजनेच्या कामगिरीचा धोका किंवा निधी व्यवस्थापन जोखीम

SIP मधील आणखी एक धोका असा आहे की निवडलेली योजना अपेक्षेनुसार वितरित करू शकत नाही आणि कामगिरी अपेक्षेपेक्षा खूपच कमी असू शकते. निधी व्यवस्थापक कामगिरीवर कमी-वितरण करू शकतो, आणि यामुळे कमी परतावा मिळेलएसआयपी गुंतवणूक.

SIP मधील हे प्रमुख धोके आहेत, तर आम्ही पुढे जाऊ शकतो आणि SIP मधील पुढील जोखीम यांसारख्याअर्थव्यवस्था जोखीम इ., यापैकी बहुतेक जोखीम वरीलपैकी एक किंवा अधिक श्रेणींमध्ये येतात.

SIP मध्ये निश्चितपणे धोका असला तरी, एखाद्याने नेहमी लक्षात ठेवले पाहिजे की SIP किंवा एकरकमी, हा फक्त एक गुंतवणुकीचा मार्ग आहे आणि अंतर्निहित गुंतवणूक नाही. एखाद्याने अंतर्निहित गुंतवणूक, त्यातील जोखीम पाहणे आणि नंतर अंतिम निर्णय घेणे आवश्यक आहे.

*खाली यादी दिली आहेशीर्ष SIPच्या गुंतवणुकीचे मूल्यांकन करू शकतो

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).
Established history (18+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 16.72% (bottom quartile).
3Y return: 51.63% (top quartile).
1Y return: 90.14% (top quartile).
Alpha: 3.15 (upper mid).
Sharpe: 1.80 (top quartile).
Information ratio: -1.09 (bottom quartile).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding BGF World Gold I2 (~77.7%).
Top-3 holdings concentration ~100.1%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (24 Sep 25)	₹43.2782 ↓ -0.71 (-1.61 %)
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.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹7,754
31 Aug 22	₹5,954
31 Aug 23	₹7,515
31 Aug 24	₹9,830
31 Aug 25	₹16,461

DSP World Gold 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 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 24 Sep 25

Duration	Returns
1 Month	25.2%
3 Month	43.1%
6 Month	68.4%
1 Year	90.1%
3 Year	51.6%
5 Year	16.7%
10 Year
15 Year
Since launch	8.5%

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	12.51 Yr.

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

Equity Sector Allocation

Sector	Value
Basic Materials	95.27%

Asset Allocation

Asset Class	Value
Cash	1.87%
Equity	95.34%
Debt	0.01%
Other	2.79%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	78%	₹942 Cr	1,578,535 ↓ -32,363
VanEck Gold Miners ETF - \| GDX	21%	₹259 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	1%	₹13 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹2 Cr

2. SBI PSU Fund

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

Research Highlights for SBI PSU Fund

Lower mid AUM (₹5,179 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 33.09% (upper mid).
3Y return: 31.46% (upper mid).
1Y return: -3.15% (bottom quartile).
Alpha: -0.35 (bottom quartile).
Sharpe: -0.81 (bottom quartile).
Information ratio: -0.37 (lower mid).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~13.9%).

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (25 Sep 25)	₹32.0225 ↓ -0.20 (-0.62 %)
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 Aug 20	₹10,000
31 Aug 21	₹14,312
31 Aug 22	₹16,867
31 Aug 23	₹22,201
31 Aug 24	₹40,343
31 Aug 25	₹35,635

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 24 Sep 25

Duration	Returns
1 Month	3.7%
3 Month	1%
6 Month	6.7%
1 Year	-3.2%
3 Year	31.5%
5 Year	33.1%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for SBI PSU Fund

Name	Since	Tenure
Rohit Shimpi	1 Jun 24	1.25 Yr.

Data below for SBI PSU Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	34.8%
Utility	29.58%
Energy	15.36%
Industrials	12.07%
Basic Materials	5.49%

Asset Allocation

Asset Class	Value
Cash	2.6%
Equity	97.31%
Debt	0.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	14%	₹735 Cr	9,227,500 ↑ 650,000
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	9%	₹497 Cr	12,975,000
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| 532555	9%	₹486 Cr	14,543,244 ↑ 2,400,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| 532898	9%	₹481 Cr	16,535,554 ↑ 1,400,000
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| 532155	9%	₹458 Cr	25,750,000
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| 500547	6%	₹319 Cr	9,700,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| 532134	5%	₹262 Cr	11,000,000
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| 526371	4%	₹198 Cr	27,900,000
Oil India Ltd (Energy) Equity, Since 31 Mar 24 \| OIL	3%	₹169 Cr	3,850,000
General Insurance Corp of India (Financial Services) Equity, Since 31 May 24 \| 540755	3%	₹163 Cr	4,150,000

3. Invesco India PSU Equity Fund

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

Research Highlights for Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,341 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 30.50% (lower mid).
3Y return: 30.94% (lower mid).
1Y return: -3.00% (lower mid).
Alpha: 5.81 (top quartile).
Sharpe: -0.58 (lower mid).
Information ratio: -0.46 (bottom quartile).
Top sector: Utility.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding Bharat Electronics Ltd (~8.8%).

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund Growth
Launch Date	18 Nov 09
NAV (25 Sep 25)	₹63.78 ↓ -0.23 (-0.36 %)
Net Assets (Cr)	₹1,341 on 31 Aug 25
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.14
Sharpe Ratio	-0.58
Information Ratio	-0.46
Alpha Ratio	5.81
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹14,116
31 Aug 22	₹15,840
31 Aug 23	₹20,143
31 Aug 24	₹37,355
31 Aug 25	₹32,909

Invesco India PSU Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹642,208.
Net Profit of ₹342,208 Invest Now

Returns for Invesco India PSU Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Sep 25

Duration	Returns
1 Month	4.1%
3 Month	-0.2%
6 Month	10.4%
1 Year	-3%
3 Year	30.9%
5 Year	30.5%
10 Year
15 Year
Since launch	12.4%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Invesco India PSU Equity Fund

Name	Since	Tenure
Hiten Jain	1 Jul 25	0.17 Yr.
Sagar Gandhi	1 Jul 25	0.17 Yr.

Data below for Invesco India PSU Equity Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Utility	27.91%
Industrials	27.8%
Financial Services	21.95%
Energy	16.03%
Basic Materials	3.99%

Asset Allocation

Asset Class	Value
Cash	2.33%
Equity	97.67%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharat Electronics Ltd (Industrials) Equity, Since 31 Mar 17 \| BEL	9%	₹122 Cr	3,178,489
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	8%	₹114 Cr	1,426,314 ↑ 61,200
Bharat Petroleum Corp Ltd (Energy) Equity, Since 30 Sep 18 \| 500547	8%	₹113 Cr	3,445,961
Power Grid Corp Of India Ltd (Utilities) Equity, Since 28 Feb 22 \| 532898	8%	₹105 Cr	3,599,413
NTPC Ltd (Utilities) Equity, Since 31 May 19 \| 532555	7%	₹103 Cr	3,085,790
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| HAL	7%	₹103 Cr	226,465
Hindustan Petroleum Corp Ltd (Energy) Equity, Since 30 Nov 23 \| HINDPETRO	5%	₹65 Cr	1,564,169
NHPC Ltd (Utilities) Equity, Since 31 Oct 22 \| NHPC	5%	₹64 Cr	7,649,437 ↑ 832,821
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	4%	₹62 Cr	5,911,723
REC Ltd (Financial Services) Equity, Since 31 Aug 23 \| 532955	4%	₹59 Cr	1,485,615 ↑ 362,125

4. Franklin India Opportunities Fund

The investment objective of Franklin India Opportunities Fund (FIOF) is to generate capital appreciation by capitalizing on the long-term growth opportunities in the Indian economy.

Research Highlights for Franklin India Opportunities Fund

Highest AUM (₹7,509 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 30.11% (bottom quartile).
3Y return: 29.51% (bottom quartile).
1Y return: -0.13% (upper mid).
Alpha: 2.40 (lower mid).
Sharpe: -0.43 (upper mid).
Information ratio: 1.75 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~5.6%).

Below is the key information for Franklin India Opportunities Fund

Franklin India Opportunities Fund Growth
Launch Date	21 Feb 00
NAV (24 Sep 25)	₹259.705 ↓ -0.69 (-0.27 %)
Net Assets (Cr)	₹7,509 on 31 Aug 25
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	-0.43
Information Ratio	1.75
Alpha Ratio	2.4
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 Aug 20	₹10,000
31 Aug 21	₹16,290
31 Aug 22	₹16,765
31 Aug 23	₹21,341
31 Aug 24	₹35,884
31 Aug 25	₹35,247

Franklin India Opportunities Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹642,208.
Net Profit of ₹342,208 Invest Now

Returns for Franklin India Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Sep 25

Duration	Returns
1 Month	1.3%
3 Month	4.9%
6 Month	13.1%
1 Year	-0.1%
3 Year	29.5%
5 Year	30.1%
10 Year
15 Year
Since launch	13.6%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Franklin India Opportunities Fund

Name	Since	Tenure
Kiran Sebastian	7 Feb 22	3.57 Yr.
R. Janakiraman	1 Apr 13	12.43 Yr.
Sandeep Manam	18 Oct 21	3.87 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	19.78%
Consumer Cyclical	18.45%
Health Care	14.12%
Technology	11.61%
Basic Materials	9.22%
Communication Services	5.73%
Energy	5.1%
Industrials	4.14%
Utility	2.87%
Consumer Defensive	1.83%
Real Estate	0.84%

Asset Allocation

Asset Class	Value
Cash	6.31%
Equity	93.69%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 May 24 \| HDFCBANK	6%	₹413 Cr	2,043,971
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 22 \| RELIANCE	5%	₹376 Cr	2,707,279 ↓ -331,689
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 25 \| 532215	4%	₹315 Cr	2,950,277
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| 543320	4%	₹294 Cr	9,548,090 ↓ -582,172
Mphasis Ltd (Technology) Equity, Since 30 Nov 24 \| 526299	3%	₹227 Cr	814,231 ↑ 103,698
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 24 \| BHARTIARTL	3%	₹222 Cr	1,158,502 ↓ -183,731
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Apr 25 \| MARUTI	3%	₹214 Cr	169,582
NTPC Ltd (Utilities) Equity, Since 31 Aug 22 \| 532555	3%	₹212 Cr	6,333,312
Sudarshan Chemical Industries Ltd (Basic Materials) Equity, Since 30 Apr 24 \| SUDARSCHEM	3%	₹206 Cr	1,435,340
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 May 24 \| M&M	3%	₹204 Cr	637,966

5. 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).
Top rated.
Risk profile: High.
5Y return: 33.28% (top quartile).
3Y return: 28.83% (bottom quartile).
1Y return: -7.52% (bottom quartile).
Alpha: -3.51 (bottom quartile).
Sharpe: -0.66 (bottom quartile).
Information ratio: 0.79 (upper mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Reliance Industries Ltd (~8.1%).

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 (25 Sep 25)	₹348.978 ↓ -2.72 (-0.77 %)
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 Aug 20	₹10,000
31 Aug 21	₹16,203
31 Aug 22	₹17,964
31 Aug 23	₹24,415
31 Aug 24	₹40,684
31 Aug 25	₹36,526

Nippon India Power and Infra 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 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 24 Sep 25

Duration	Returns
1 Month	2.8%
3 Month	1.9%
6 Month	9.4%
1 Year	-7.5%
3 Year	28.8%
5 Year	33.3%
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	7.28 Yr.
Rahul Modi	19 Aug 24	1.04 Yr.

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

Equity Sector Allocation

Sector	Value
Industrials	36.81%
Utility	23.31%
Energy	9.39%
Basic Materials	7.62%
Communication Services	6.62%
Consumer Cyclical	5.95%
Real Estate	2.85%
Financial Services	2.21%
Health Care	2.13%
Technology	1.83%

Asset Allocation

Asset Class	Value
Cash	1.28%
Equity	98.72%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 18 \| RELIANCE	8%	₹594 Cr	4,275,000 ↑ 75,000
NTPC Ltd (Utilities) Equity, Since 31 May 09 \| 532555	8%	₹558 Cr	16,699,999
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 18 \| BHARTIARTL	7%	₹488 Cr	2,550,000 ↓ -50,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 07 \| LT	6%	₹442 Cr	1,214,337 ↓ -100,000
Tata Power Co Ltd (Utilities) Equity, Since 30 Apr 23 \| 500400	4%	₹314 Cr	7,900,789
CG Power & Industrial Solutions Ltd (Industrials) Equity, Since 30 Sep 24 \| 500093	3%	₹239 Cr	3,617,014 ↑ 509,091
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Oct 19 \| 532538	3%	₹214 Cr	175,000
Bharat Heavy Electricals Ltd (Industrials) Equity, Since 30 Sep 24 \| 500103	3%	₹208 Cr	8,713,730
Kaynes Technology India Ltd (Industrials) Equity, Since 30 Nov 22 \| KAYNES	3%	₹208 Cr	336,227
Carborundum Universal Ltd (Industrials) Equity, Since 30 Sep 23 \| CARBORUNIV	2%	₹168 Cr	1,800,000

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.