एसआयपीमधील जोखीम: एसआयपी गुंतवणूकीतील जोखमीचे मूल्यांकन

Updated on August 1, 2026 , 62250 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.

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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

Lower mid AUM (₹1,433 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 21.39% (upper mid).
3Y return: 41.18% (top quartile).
1Y return: 59.69% (top quartile).
Alpha: 2.12 (lower mid).
Sharpe: 1.22 (upper mid).
Information ratio: -0.50 (bottom quartile).
Higher exposure to Basic Materials vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~93%).
Largest holding BGF World Gold I2 (~67.0%).
Top-3 holdings concentration ~100.3%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (31 Jul 26)	₹48.8787 ↓ -1.55 (-3.07 %)
Net Assets (Cr)	₹1,433 on 30 Jun 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	1.22
Information Ratio	-0.5
Alpha Ratio	2.12
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹7,373
31 Jul 23	₹9,366
31 Jul 24	₹11,150
31 Jul 25	₹16,504
31 Jul 26	₹26,355

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033 Invest Now

Returns for DSP World Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Jul 26

Duration	Returns
1 Month	-0.8%
3 Month	-15.4%
6 Month	-20.4%
1 Year	59.7%
3 Year	41.2%
5 Year	21.4%
10 Year
15 Year
Since launch	8.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	167.1%
2024	15.9%
2023	7%
2022	-7.7%
2021	-9%
2020	31.4%
2019	35.1%
2018	-10.7%
2017	-4%
2016	52.7%

Fund Manager information for DSP World Gold Fund

Name	Since	Tenure
Kaivalya Nadkarni	1 May 25	1.25 Yr.

Data below for DSP World Gold Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Basic Materials	92.85%

Asset Allocation

Asset Class	Value
Cash	5.2%
Equity	93.02%
Debt	0.01%
Other	1.77%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	67%	₹960 Cr	983,452 ↓ -21,591
VanEck Gold Miners ETF - \| GDX	29%	₹409 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	5%	₹67 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹4 Cr

2. Invesco India Mid Cap Fund

The Scheme seeks to provide long term capital appreciation by investing in a portfolio that is predominantly constituted of equity and equity related instruments of mid cap companies. However, there can be no assurance that the funds objectives will be achieved.

Research Highlights for Invesco India Mid Cap Fund

Highest AUM (₹13,767 Cr).
Oldest track record among peers (19 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.38% (lower mid).
3Y return: 25.34% (upper mid).
1Y return: 13.87% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.19 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Prestige Estates Projects Ltd (~7.1%).

Below is the key information for Invesco India Mid Cap Fund

Invesco India Mid Cap Fund Growth
Launch Date	19 Apr 07
NAV (03 Aug 26)	₹201.74 ↑ 4.02 (2.03 %)
Net Assets (Cr)	₹13,767 on 30 Jun 26
Category	Equity - Mid Cap
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.82
Sharpe Ratio	0.19
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 Jul 21	₹10,000
31 Jul 22	₹10,219
31 Jul 23	₹12,600
31 Jul 24	₹19,551
31 Jul 25	₹21,829
31 Jul 26	₹24,059

Invesco India Mid Cap Fund SIP Returns

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

Returns for Invesco India Mid Cap 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 Jul 26

Duration	Returns
1 Month	1.6%
3 Month	12.7%
6 Month	13.8%
1 Year	13.9%
3 Year	25.3%
5 Year	19.4%
10 Year
15 Year
Since launch	16.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.3%
2024	43.1%
2023	34.1%
2022	0.5%
2021	43.1%
2020	24.4%
2019	3.8%
2018	-5.3%
2017	44.3%
2016	1.1%

Fund Manager information for Invesco India Mid Cap Fund

Name	Since	Tenure
Aditya Khemani	9 Nov 23	2.73 Yr.

Data below for Invesco India Mid Cap Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	28.81%
Consumer Cyclical	19.95%
Health Care	17.65%
Industrials	13.86%
Real Estate	9.67%
Technology	3.8%
Basic Materials	3.66%
Utility	1.97%

Asset Allocation

Asset Class	Value
Cash	0.63%
Equity	99.37%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Prestige Estates Projects Ltd (Real Estate) Equity, Since 30 Nov 23 \| PRESTIGE	7%	₹976 Cr	6,236,588 ↑ 939,982
The Federal Bank Ltd (Financial Services) Equity, Since 31 Oct 22 \| FEDERALBNK	6%	₹768 Cr	23,278,440 ↑ 974,308
BSE Ltd (Financial Services) Equity, Since 31 Dec 23 \| BSE	5%	₹699 Cr	1,809,521
AU Small Finance Bank Ltd (Financial Services) Equity, Since 31 Jul 25 \| 540611	4%	₹616 Cr	5,936,790
Meesho Ltd (Consumer Cyclical) Equity, Since 30 Jun 26 \| MEESHO	4%	₹615 Cr	31,970,414 ↑ 31,970,414
Global Health Ltd (Healthcare) Equity, Since 30 Nov 23 \| MEDANTA	4%	₹601 Cr	4,577,395
Max Healthcare Institute Ltd Ordinary Shares (Healthcare) Equity, Since 31 Dec 22 \| MAXHEALTH	4%	₹592 Cr	5,241,044
InterGlobe Aviation Ltd (Industrials) Equity, Since 30 Apr 24 \| INDIGO	4%	₹575 Cr	1,071,057 ↓ -115,381
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Aug 25 \| ETERNAL	4%	₹544 Cr	20,552,364 ↓ -1,614,338
L&T Finance Ltd (Financial Services) Equity, Since 31 Dec 23 \| LTF	4%	₹524 Cr	16,854,973

3. DSP US Flexible Equity Fund

The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of BGF – USFEF. The Scheme may, at the discretion of the Investment Manager also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or money market/liquid schemes of DSP BlackRock Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized. It shall be noted ‘similar overseas mutual fund schemes’ shall have investment objective, investment strategy and risk profile/consideration similar to those of BGF – USFEF.

Research Highlights for DSP US Flexible Equity Fund

Bottom quartile AUM (₹1,291 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: High.
5Y return: 17.47% (bottom quartile).
3Y return: 24.98% (lower mid).
1Y return: 35.95% (upper mid).
Alpha: -4.10 (bottom quartile).
Sharpe: 1.93 (top quartile).
Information ratio: 0.15 (lower mid).
Higher exposure to Technology vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~94%).
Largest holding BGF US Flexible Equity I2 (~95.7%).
Top-3 holdings concentration ~100.4%.

Below is the key information for DSP US Flexible Equity Fund

DSP US Flexible Equity Fund Growth
Launch Date	3 Aug 12
NAV (31 Jul 26)	₹91.1133 ↑ 1.09 (1.22 %)
Net Assets (Cr)	₹1,291 on 30 Jun 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.55
Sharpe Ratio	1.93
Information Ratio	0.15
Alpha Ratio	-4.1
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 Jul 21	₹10,000
31 Jul 22	₹10,023
31 Jul 23	₹11,458
31 Jul 24	₹13,332
31 Jul 25	₹16,454
31 Jul 26	₹22,370

DSP US Flexible Equity Fund SIP 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 US Flexible 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 31 Jul 26

Duration	Returns
1 Month	-3%
3 Month	2.7%
6 Month	13%
1 Year	36%
3 Year	25%
5 Year	17.5%
10 Year
15 Year
Since launch	17.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	33.8%
2024	17.8%
2023	22%
2022	-5.9%
2021	24.2%
2020	22.6%
2019	27.5%
2018	-1.1%
2017	15.5%
2016	9.8%

Fund Manager information for DSP US Flexible Equity Fund

Name	Since	Tenure
Kaivalya Nadkarni	1 May 25	1.25 Yr.

Data below for DSP US Flexible Equity Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Technology	32.18%
Communication Services	13.8%
Industrials	13.38%
Financial Services	12.1%
Consumer Cyclical	9.45%
Health Care	7.39%
Energy	2.14%
Basic Materials	2.13%
Utility	1.5%

Asset Allocation

Asset Class	Value
Cash	5.91%
Equity	94.07%
Debt	0.02%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF US Flexible Equity I2 Investment Fund \| -	96%	₹1,236 Cr	1,784,131
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	4%	₹58 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹3 Cr

4. LIC MF Infrastructure Fund

The investment objective of the scheme is to provide long term growth from a portfolio of equity / equity related instruments of companies engaged either directly or indirectly in the infrastructure sector.

Research Highlights for LIC MF Infrastructure Fund

Bottom quartile AUM (₹1,137 Cr).
Established history (18+ yrs).
Not Rated.
Risk profile: High.
5Y return: 22.18% (top quartile).
3Y return: 24.68% (bottom quartile).
1Y return: 12.08% (bottom quartile).
Alpha: 8.41 (top quartile).
Sharpe: 0.22 (lower mid).
Information ratio: 0.58 (upper mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Tata Motors Passenger Vehicles Ltd (~3.8%).

Below is the key information for LIC MF Infrastructure Fund

LIC MF Infrastructure Fund Growth
Launch Date	29 Feb 08
NAV (03 Aug 26)	₹55.1872 ↑ 0.62 (1.14 %)
Net Assets (Cr)	₹1,137 on 30 Jun 26
Category	Equity - Sectoral
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	Not Rated
Risk	High
Expense Ratio	2.21
Sharpe Ratio	0.22
Information Ratio	0.58
Alpha Ratio	8.41
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹11,519
31 Jul 23	₹14,236
31 Jul 24	₹26,350
31 Jul 25	₹25,021
31 Jul 26	₹27,470

LIC MF Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 Invest Now

Returns for LIC MF Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Jul 26

Duration	Returns
1 Month	0.1%
3 Month	6.5%
6 Month	12.2%
1 Year	12.1%
3 Year	24.7%
5 Year	22.2%
10 Year
15 Year
Since launch	9.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	-3.7%
2024	47.8%
2023	44.4%
2022	7.9%
2021	46.6%
2020	-0.1%
2019	13.3%
2018	-14.6%
2017	42.2%
2016	-2.2%

Fund Manager information for LIC MF Infrastructure Fund

Name	Since	Tenure
Mahesh Bendre	1 Jul 24	2.08 Yr.

Data below for LIC MF Infrastructure Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Industrials	35.52%
Consumer Cyclical	19.57%
Basic Materials	12.18%
Utility	10.33%
Financial Services	9.93%
Communication Services	3.66%
Real Estate	2.1%
Health Care	1.74%
Technology	0.93%

Asset Allocation

Asset Class	Value
Cash	4.04%
Equity	95.96%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tata Motors Passenger Vehicles Ltd (Consumer Cyclical) Equity, Since 28 Feb 26 \| TMPV	4%	₹43 Cr	1,224,915 ↑ 242,024
JSW Infrastructure Ltd (Industrials) Equity, Since 30 Apr 26 \| JSWINFRA	4%	₹41 Cr	1,266,481 ↑ 132,623
Tata Motors Ltd (Consumer Cyclical) Equity, Since 31 Oct 25 \| TMCV	4%	₹40 Cr	944,348 ↓ -71,585
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Apr 09 \| LT	3%	₹40 Cr	96,023 ↓ -10,945
Garware Hi-Tech Films Ltd (Basic Materials) Equity, Since 31 Aug 23 \| 500655	3%	₹38 Cr	57,317 ↓ -8,008
Tata Power Co Ltd (Utilities) Equity, Since 29 Feb 24 \| 500400	3%	₹33 Cr	861,040
KSH International Ltd (Industrials) Equity, Since 31 Dec 25 \| KSHINTL	3%	₹32 Cr	367,501 ↓ -65,315
Bharat Dynamics Ltd Ordinary Shares (Industrials) Equity, Since 31 Jan 26 \| BDL	3%	₹30 Cr	222,408 ↓ -20,546
Carraro India Ltd (Consumer Cyclical) Equity, Since 31 Dec 24 \| CARRARO	3%	₹30 Cr	565,917 ↓ -7,074
NTPC Ltd (Utilities) Equity, Since 31 Mar 23 \| 532555	3%	₹30 Cr	834,071 ↑ 125,282

5. Invesco India Growth Opportunities Fund

(Erstwhile Invesco India Growth Fund)

The investment objective of the Scheme is to generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities. However, there can be no assurance that the objectives of the scheme will be achieved.

Research Highlights for Invesco India Growth Opportunities Fund

Upper mid AUM (₹11,164 Cr).
Established history (19+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.31% (bottom quartile).
3Y return: 24.32% (bottom quartile).
1Y return: 12.25% (bottom quartile).
Alpha: 6.78 (upper mid).
Sharpe: 0.12 (bottom quartile).
Information ratio: 1.15 (top quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Max Healthcare Institute Ltd Ordinary Shares (~7.8%).

Below is the key information for Invesco India Growth Opportunities Fund

Invesco India Growth Opportunities Fund Growth
Launch Date	9 Aug 07
NAV (03 Aug 26)	₹112.06 ↑ 2.32 (2.11 %)
Net Assets (Cr)	₹11,164 on 30 Jun 26
Category	Equity - Large & Mid Cap
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.82
Sharpe Ratio	0.12
Information Ratio	1.15
Alpha Ratio	6.78
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 Jul 21	₹10,000
31 Jul 22	₹10,105
31 Jul 23	₹11,931
31 Jul 24	₹18,404
31 Jul 25	₹20,337
31 Jul 26	₹22,116

Invesco India Growth Opportunities Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 Invest Now

Returns for Invesco India Growth 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 31 Jul 26

Duration	Returns
1 Month	1.6%
3 Month	14%
6 Month	14.7%
1 Year	12.3%
3 Year	24.3%
5 Year	17.3%
10 Year
15 Year
Since launch	13.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	4.7%
2024	37.5%
2023	31.6%
2022	-0.4%
2021	29.7%
2020	13.3%
2019	10.7%
2018	-0.2%
2017	39.6%
2016	3.3%

Fund Manager information for Invesco India Growth Opportunities Fund

Name	Since	Tenure
Aditya Khemani	9 Nov 23	2.73 Yr.

Data below for Invesco India Growth Opportunities Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	25.37%
Consumer Cyclical	20.87%
Health Care	19.88%
Industrials	19.13%
Real Estate	7.63%
Basic Materials	2.57%
Communication Services	1.58%
Utility	1.37%
Technology	0.79%

Asset Allocation

Asset Class	Value
Cash	0.8%
Equity	99.19%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Max Healthcare Institute Ltd Ordinary Shares (Healthcare) Equity, Since 30 Nov 22 \| MAXHEALTH	8%	₹866 Cr	7,668,370 ↑ 549,646
Eternal Ltd (Consumer Cyclical) Equity, Since 30 Jun 23 \| ETERNAL	7%	₹824 Cr	31,143,612 ↑ 3,836,133
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Mar 24 \| INDIGO	7%	₹797 Cr	1,484,863
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 15 \| ICICIBANK	6%	₹722 Cr	5,248,496 ↑ 107,098
Trent Ltd (Consumer Cyclical) Equity, Since 28 Feb 22 \| 500251	5%	₹536 Cr	1,633,683
Sai Life Sciences Ltd (Healthcare) Equity, Since 31 Dec 24 \| SAILIFE	5%	₹529 Cr	4,283,799
Prestige Estates Projects Ltd (Real Estate) Equity, Since 31 Dec 23 \| PRESTIGE	5%	₹517 Cr	3,304,450
ABB India Ltd (Industrials) Equity, Since 30 Jun 23 \| ABB	4%	₹428 Cr	608,622
Aditya Infotech Ltd (Industrials) Equity, Since 31 Aug 25 \| CPPLUS	3%	₹375 Cr	1,028,145
BSE Ltd (Financial Services) Equity, Since 31 Oct 23 \| BSE	3%	₹369 Cr	955,364

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.