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एसआयपी गुंतवणूक: प्रथमच गुंतवणूकदारांसाठी

Updated on September 18, 2025 , 6500 views

SIP किंवा पद्धतशीरगुंतवणूक योजना हा एक गुंतवणूक मोड आहे जो तुम्हाला तुमचे पैसे ठराविक कालावधीत गुंतवू देतो. साधारणपणे, एसआयपी गुंतवणूक मासिक, त्रैमासिक आणि वार्षिक अशा वेळेच्या नियमित अंतराने संपत्ती निर्माण करण्याची प्रक्रिया सुरू करते. एसआयपी किंवा सिस्टिमॅटिक इन्व्हेस्टमेंट प्लॅनद्वारे केलेली गुंतवणूक स्टॉक मार्केटमध्ये गुंतवली जाते, अशा प्रकारे दीर्घ कालावधीसाठी गुंतवणूक केल्यावर चांगला परतावा मिळतो. एसआयपी गुंतवणूक ही त्यापैकी एक मानली जातेपैसे गुंतवण्याचे सर्वोत्तम मार्ग गुंतवलेले पैसे ठराविक कालावधीत वितरीत केले जातात. एकरकमी गुंतवणुकीच्या विपरीत, SIP गुंतवणूक एकाच वेळी होत नाही, त्यामुळे गुंतवणूकदारांसाठी ती सोयीची असते. साध्या SIP गुंतवणुकीसह, एखादी व्यक्ती सुरुवात करू शकतेगुंतवणूक लहानपणापासूनच अल्प रक्कम. आमच्याकडे त्यापैकी काहींची यादी आहेशीर्ष SIP तुमच्यासाठी गुंतवणूक. हे बघा!

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SIP 2022 साठी सर्वोत्तम म्युच्युअल फंड

एसआयपी गुंतवणूक करण्यासाठी हे समजून घेणे महत्त्वाचे आहेसर्वोत्तम SIP योजना तुमच्यावर आधारितजोखीम भूक. इक्विटीची एक मोठी श्रेणी आहेम्युच्युअल फंड ज्यामध्ये तुम्ही SIP द्वारे गुंतवणूक करू शकता. यामध्ये लार्ज कॅप,मिड कॅप फंड,स्मॉल कॅप फंड, मल्टी कॅप फंड. बॅलन्स्ड फंड्समध्ये एसआयपीद्वारे गुंतवणूकही करता येते. परंतु, प्रथमच गुंतवणूकदारांसाठी, SIP साठी सर्वोत्तम गुंतवणूक पर्याय असू शकतात-

1. लार्ज-कॅप म्युच्युअल फंड

मध्ये गुंतवणूक करत आहेलार्ज कॅप फंड SIP किंवा पद्धतशीर गुंतवणूक योजना द्वारे फायदेशीर आहे. सहसा, लार्ज-कॅप फंड अशा कंपन्यांमध्ये गुंतवणूक करतात ज्यांना स्थिर वाढ आणि वर्षानुवर्षे उच्च नफा कमावण्याची शक्यता असते. हे फंड सामान्यतः स्थिर असतात आणि दीर्घ कालावधीत गुंतवणूक केल्यावर स्थिर परतावा देतात.

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Nippon India Large Cap Fund Growth ₹93.4064
↓ -0.18
₹45,012 100 4.814.23.62024.718.2
ICICI Prudential Bluechip Fund Growth ₹112.45
↓ -0.24
₹71,840 100 3.312.21.718.821.816.9
SBI Bluechip Fund Growth ₹93.9936
↓ -0.25
₹52,421 500 3.311.50.814.61912.5
Aditya Birla Sun Life Frontline Equity Fund Growth ₹535.55
↓ -1.64
₹29,867 100 2.912.2-0.215.719.615.6
Indiabulls Blue Chip Fund Growth ₹43.82
↓ -0.09
₹127 500 4.414-1.714.316.612.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryNippon India Large Cap FundICICI Prudential Bluechip FundSBI Bluechip FundAditya Birla Sun Life Frontline Equity FundIndiabulls Blue Chip Fund
Point 1Lower mid AUM (₹45,012 Cr).Highest AUM (₹71,840 Cr).Upper mid AUM (₹52,421 Cr).Bottom quartile AUM (₹29,867 Cr).Bottom quartile AUM (₹127 Cr).
Point 2Established history (18+ yrs).Established history (17+ yrs).Established history (19+ yrs).Oldest track record among peers (23 yrs).Established history (13+ yrs).
Point 3Top rated.Rating: 4★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (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: 24.69% (top quartile).5Y return: 21.77% (upper mid).5Y return: 19.00% (bottom quartile).5Y return: 19.55% (lower mid).5Y return: 16.57% (bottom quartile).
Point 63Y return: 20.01% (top quartile).3Y return: 18.81% (upper mid).3Y return: 14.57% (bottom quartile).3Y return: 15.69% (lower mid).3Y return: 14.31% (bottom quartile).
Point 71Y return: 3.57% (top quartile).1Y return: 1.68% (upper mid).1Y return: 0.77% (lower mid).1Y return: -0.20% (bottom quartile).1Y return: -1.75% (bottom quartile).
Point 8Alpha: 2.49 (top quartile).Alpha: 1.67 (upper mid).Alpha: 1.27 (lower mid).Alpha: 0.89 (bottom quartile).Alpha: -0.05 (bottom quartile).
Point 9Sharpe: -0.40 (top quartile).Sharpe: -0.51 (lower mid).Sharpe: -0.50 (upper mid).Sharpe: -0.57 (bottom quartile).Sharpe: -0.63 (bottom quartile).
Point 10Information ratio: 1.96 (top quartile).Information ratio: 1.64 (upper mid).Information ratio: -0.10 (bottom quartile).Information ratio: 0.84 (lower mid).Information ratio: 0.12 (bottom quartile).

Nippon India Large Cap Fund

  • Lower mid AUM (₹45,012 Cr).
  • Established history (18+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 24.69% (top quartile).
  • 3Y return: 20.01% (top quartile).
  • 1Y return: 3.57% (top quartile).
  • Alpha: 2.49 (top quartile).
  • Sharpe: -0.40 (top quartile).
  • Information ratio: 1.96 (top quartile).

ICICI Prudential Bluechip Fund

  • Highest AUM (₹71,840 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 21.77% (upper mid).
  • 3Y return: 18.81% (upper mid).
  • 1Y return: 1.68% (upper mid).
  • Alpha: 1.67 (upper mid).
  • Sharpe: -0.51 (lower mid).
  • Information ratio: 1.64 (upper mid).

SBI Bluechip Fund

  • Upper mid AUM (₹52,421 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 19.00% (bottom quartile).
  • 3Y return: 14.57% (bottom quartile).
  • 1Y return: 0.77% (lower mid).
  • Alpha: 1.27 (lower mid).
  • Sharpe: -0.50 (upper mid).
  • Information ratio: -0.10 (bottom quartile).

Aditya Birla Sun Life Frontline Equity Fund

  • Bottom quartile AUM (₹29,867 Cr).
  • Oldest track record among peers (23 yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 19.55% (lower mid).
  • 3Y return: 15.69% (lower mid).
  • 1Y return: -0.20% (bottom quartile).
  • Alpha: 0.89 (bottom quartile).
  • Sharpe: -0.57 (bottom quartile).
  • Information ratio: 0.84 (lower mid).

Indiabulls Blue Chip Fund

  • Bottom quartile AUM (₹127 Cr).
  • Established history (13+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 16.57% (bottom quartile).
  • 3Y return: 14.31% (bottom quartile).
  • 1Y return: -1.75% (bottom quartile).
  • Alpha: -0.05 (bottom quartile).
  • Sharpe: -0.63 (bottom quartile).
  • Information ratio: 0.12 (bottom quartile).

2. मिड-कॅप म्युच्युअल फंड

मिड-कॅप फंड बहुतेक उदयोन्मुख कंपन्यांमध्ये गुंतवणूक करतात. चांगला परतावा मिळविण्यासाठी या फंडांमध्ये दीर्घ कालावधीसाठी गुंतवणूक करावी. लार्ज-कॅप फंडांपेक्षा जास्त. त्यामुळे एसआयपीचा सर्वाधिक फायदा होतो. SIP द्वारे गुंतवणूक केल्याने जोखीम कमी होते आणि परताव्याची स्थिरता कायम राहते.

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Kotak Emerging Equity Scheme Growth ₹140.357
↑ 0.45
₹56,988 1,000 7.121.24.722.127.333.6
Sundaram Mid Cap Fund Growth ₹1,417.37
↓ -0.74
₹12,501 100 617.40.62326.232
Taurus Discovery (Midcap) Fund Growth ₹124.6
↓ -0.06
₹128 1,000 4.917.2-218.120.611.3
HDFC Mid-Cap Opportunities Fund Growth ₹198.443
↑ 0.39
₹83,105 300 5.216.83.625.628.928.6
Edelweiss Mid Cap Fund Growth ₹103.003
↑ 0.14
₹11,297 500 3.916.92.524.428.838.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryKotak Emerging Equity SchemeSundaram Mid Cap FundTaurus Discovery (Midcap) FundHDFC Mid-Cap Opportunities FundEdelweiss Mid Cap Fund
Point 1Upper mid AUM (₹56,988 Cr).Lower mid AUM (₹12,501 Cr).Bottom quartile AUM (₹128 Cr).Highest AUM (₹83,105 Cr).Bottom quartile AUM (₹11,297 Cr).
Point 2Established history (18+ yrs).Established history (23+ yrs).Oldest track record among peers (31 yrs).Established history (18+ yrs).Established history (17+ yrs).
Point 3Top rated.Rating: 4★ (upper mid).Rating: 4★ (lower mid).Rating: 3★ (bottom quartile).Rating: 3★ (bottom quartile).
Point 4Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: High.
Point 55Y return: 27.34% (lower mid).5Y return: 26.20% (bottom quartile).5Y return: 20.59% (bottom quartile).5Y return: 28.89% (top quartile).5Y return: 28.81% (upper mid).
Point 63Y return: 22.06% (bottom quartile).3Y return: 23.03% (lower mid).3Y return: 18.12% (bottom quartile).3Y return: 25.58% (top quartile).3Y return: 24.39% (upper mid).
Point 71Y return: 4.71% (top quartile).1Y return: 0.65% (bottom quartile).1Y return: -1.95% (bottom quartile).1Y return: 3.59% (upper mid).1Y return: 2.47% (lower mid).
Point 8Alpha: 5.63 (top quartile).Alpha: 2.99 (bottom quartile).Alpha: -4.47 (bottom quartile).Alpha: 3.39 (lower mid).Alpha: 3.95 (upper mid).
Point 9Sharpe: -0.21 (top quartile).Sharpe: -0.33 (bottom quartile).Sharpe: -0.71 (bottom quartile).Sharpe: -0.28 (lower mid).Sharpe: -0.28 (upper mid).
Point 10Information ratio: -0.12 (bottom quartile).Information ratio: 0.22 (lower mid).Information ratio: -0.84 (bottom quartile).Information ratio: 0.88 (top quartile).Information ratio: 0.39 (upper mid).

Kotak Emerging Equity Scheme

  • Upper mid AUM (₹56,988 Cr).
  • Established history (18+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 27.34% (lower mid).
  • 3Y return: 22.06% (bottom quartile).
  • 1Y return: 4.71% (top quartile).
  • Alpha: 5.63 (top quartile).
  • Sharpe: -0.21 (top quartile).
  • Information ratio: -0.12 (bottom quartile).

Sundaram Mid Cap Fund

  • Lower mid AUM (₹12,501 Cr).
  • Established history (23+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 26.20% (bottom quartile).
  • 3Y return: 23.03% (lower mid).
  • 1Y return: 0.65% (bottom quartile).
  • Alpha: 2.99 (bottom quartile).
  • Sharpe: -0.33 (bottom quartile).
  • Information ratio: 0.22 (lower mid).

Taurus Discovery (Midcap) Fund

  • Bottom quartile AUM (₹128 Cr).
  • Oldest track record among peers (31 yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 20.59% (bottom quartile).
  • 3Y return: 18.12% (bottom quartile).
  • 1Y return: -1.95% (bottom quartile).
  • Alpha: -4.47 (bottom quartile).
  • Sharpe: -0.71 (bottom quartile).
  • Information ratio: -0.84 (bottom quartile).

HDFC Mid-Cap Opportunities Fund

  • Highest AUM (₹83,105 Cr).
  • Established history (18+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 28.89% (top quartile).
  • 3Y return: 25.58% (top quartile).
  • 1Y return: 3.59% (upper mid).
  • Alpha: 3.39 (lower mid).
  • Sharpe: -0.28 (lower mid).
  • Information ratio: 0.88 (top quartile).

Edelweiss Mid Cap Fund

  • Bottom quartile AUM (₹11,297 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 28.81% (upper mid).
  • 3Y return: 24.39% (upper mid).
  • 1Y return: 2.47% (lower mid).
  • Alpha: 3.95 (upper mid).
  • Sharpe: -0.28 (upper mid).
  • Information ratio: 0.39 (upper mid).

3. ELSS किंवा टॅक्स सेव्हिंग म्युच्युअल फंड

ELSS किंवा इक्विटी लिंक्ड सेव्हिंग्ज स्कीम ही इक्विटी डायव्हर्सिफाइड म्युच्युअल फंड आहे जी फंड कॉर्पसचा मोठा भाग, साधारणपणे 80% पेक्षा जास्त, इक्विटी साधनांमध्ये गुंतवते आणि प्रदान करते.बाजार जोडलेले परतावे. अंतर्गतकलम 80C याआयकर कायदा, ELSS फंड कर बचत करणारे म्युच्युअल फंड म्हणून काम करतात आणि INR 1,50 पर्यंत कर कपातीची परवानगी देतात,000 करपात्र साठीउत्पन्न. तर, ज्यांना तुम्ही नुकतेच कमवायला सुरुवात केली आहेकरपात्र उत्पन्न कर वाचवण्यासाठी आणि चांगला परतावा मिळवण्यासाठी आता ELSS फंडांमध्ये गुंतवणूक करू शकता.

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Tata India Tax Savings Fund Growth ₹44.9074
↓ -0.06
₹4,472 500 3.511.5-2.515.619.819.5
Bandhan Tax Advantage (ELSS) Fund Growth ₹154.753
↓ -0.26
₹6,899 500 3.211.4-2.715.922.913.1
Aditya Birla Sun Life Tax Relief '96 Growth ₹62.02
↓ -0.11
₹15,216 500 4.715.90.614.513.916.4
DSP Tax Saver Fund Growth ₹140.422
↓ -0.18
₹16,475 500 2.210-1.119.523.223.9
HDFC Long Term Advantage Fund Growth ₹595.168
↑ 0.28
₹1,318 500 1.215.435.520.617.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryTata India Tax Savings FundBandhan Tax Advantage (ELSS) FundAditya Birla Sun Life Tax Relief '96DSP Tax Saver FundHDFC Long Term Advantage Fund
Point 1Bottom quartile AUM (₹4,472 Cr).Lower mid AUM (₹6,899 Cr).Upper mid AUM (₹15,216 Cr).Highest AUM (₹16,475 Cr).Bottom quartile AUM (₹1,318 Cr).
Point 2Established history (10+ yrs).Established history (16+ yrs).Established history (17+ yrs).Established history (18+ yrs).Oldest track record among peers (24 yrs).
Point 3Top rated.Rating: 5★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 3★ (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: 19.80% (lower mid).5Y return: 22.93% (upper mid).5Y return: 13.90% (bottom quartile).5Y return: 23.16% (top quartile).5Y return: 17.39% (bottom quartile).
Point 63Y return: 15.56% (bottom quartile).3Y return: 15.89% (lower mid).3Y return: 14.48% (bottom quartile).3Y return: 19.48% (upper mid).3Y return: 20.64% (top quartile).
Point 71Y return: -2.53% (bottom quartile).1Y return: -2.74% (bottom quartile).1Y return: 0.65% (upper mid).1Y return: -1.09% (lower mid).1Y return: 35.51% (top quartile).
Point 8Alpha: -1.62 (lower mid).Alpha: -3.02 (bottom quartile).Alpha: 1.87 (top quartile).Alpha: -1.92 (bottom quartile).Alpha: 1.75 (upper mid).
Point 9Sharpe: -0.71 (lower mid).Sharpe: -0.87 (bottom quartile).Sharpe: -0.49 (upper mid).Sharpe: -0.75 (bottom quartile).Sharpe: 2.27 (top quartile).
Point 10Information ratio: -0.22 (bottom quartile).Information ratio: 0.02 (upper mid).Information ratio: -0.71 (bottom quartile).Information ratio: 0.99 (top quartile).Information ratio: -0.15 (lower mid).

Tata India Tax Savings Fund

  • Bottom quartile AUM (₹4,472 Cr).
  • Established history (10+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 19.80% (lower mid).
  • 3Y return: 15.56% (bottom quartile).
  • 1Y return: -2.53% (bottom quartile).
  • Alpha: -1.62 (lower mid).
  • Sharpe: -0.71 (lower mid).
  • Information ratio: -0.22 (bottom quartile).

Bandhan Tax Advantage (ELSS) Fund

  • Lower mid AUM (₹6,899 Cr).
  • Established history (16+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 22.93% (upper mid).
  • 3Y return: 15.89% (lower mid).
  • 1Y return: -2.74% (bottom quartile).
  • Alpha: -3.02 (bottom quartile).
  • Sharpe: -0.87 (bottom quartile).
  • Information ratio: 0.02 (upper mid).

Aditya Birla Sun Life Tax Relief '96

  • Upper mid AUM (₹15,216 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 13.90% (bottom quartile).
  • 3Y return: 14.48% (bottom quartile).
  • 1Y return: 0.65% (upper mid).
  • Alpha: 1.87 (top quartile).
  • Sharpe: -0.49 (upper mid).
  • Information ratio: -0.71 (bottom quartile).

DSP Tax Saver Fund

  • Highest AUM (₹16,475 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 23.16% (top quartile).
  • 3Y return: 19.48% (upper mid).
  • 1Y return: -1.09% (lower mid).
  • Alpha: -1.92 (bottom quartile).
  • Sharpe: -0.75 (bottom quartile).
  • Information ratio: 0.99 (top quartile).

HDFC Long Term Advantage Fund

  • Bottom quartile AUM (₹1,318 Cr).
  • Oldest track record among peers (24 yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 17.39% (bottom quartile).
  • 3Y return: 20.64% (top quartile).
  • 1Y return: 35.51% (top quartile).
  • Alpha: 1.75 (upper mid).
  • Sharpe: 2.27 (top quartile).
  • Information ratio: -0.15 (lower mid).

4. स्मॉल-कॅप म्युच्युअल फंड

लार्ज आणि मिड कॅप फंडांनंतर स्मॉल कॅप फंड येतात. हे फंड स्टार्टअप्स किंवा लहान आकाराच्या कंपन्यांमध्ये गुंतवणूक करतात, म्हणून या फंडांना वाढण्यास आणि परतावा निर्माण करण्यास वेळ लागतो. फंडाची कामगिरी कंपन्यांच्या वाढीवर अवलंबून असते. अशा प्रकारे, गुंतवणूकदारांना SIP मार्ग स्वीकारण्याचा सल्ला दिला जातो आणि दीर्घ मुदतीसाठी, आदर्शतः 7 वर्षांहून अधिक काळ गुंतवणूक करत रहा.

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Aditya Birla Sun Life Small Cap Fund Growth ₹86.7983
↑ 0.21
₹4,824 1,000 3.117.5-517.72321.5
SBI Small Cap Fund Growth ₹175.66
↓ -0.21
₹35,245 500 4.513.7-5.515.223.924.1
HDFC Small Cap Fund Growth ₹145.681
↑ 0.69
₹36,294 300 8.224323.63020.4
DSP Small Cap Fund  Growth ₹200.01
↑ 0.09
₹16,628 500 3.218.7-0.92026.625.6
Nippon India Small Cap Fund Growth ₹172.519
↑ 0.16
₹64,821 100 4.316.6-4.223.431.826.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryAditya Birla Sun Life Small Cap FundSBI Small Cap FundHDFC Small Cap FundDSP Small Cap Fund Nippon India Small Cap Fund
Point 1Bottom quartile AUM (₹4,824 Cr).Lower mid AUM (₹35,245 Cr).Upper mid AUM (₹36,294 Cr).Bottom quartile AUM (₹16,628 Cr).Highest AUM (₹64,821 Cr).
Point 2Oldest track record among peers (18 yrs).Established history (16+ yrs).Established history (17+ yrs).Established history (18+ yrs).Established history (15+ yrs).
Point 3Top rated.Rating: 5★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (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: 22.99% (bottom quartile).5Y return: 23.86% (bottom quartile).5Y return: 29.97% (upper mid).5Y return: 26.55% (lower mid).5Y return: 31.76% (top quartile).
Point 63Y return: 17.66% (bottom quartile).3Y return: 15.23% (bottom quartile).3Y return: 23.58% (top quartile).3Y return: 20.02% (lower mid).3Y return: 23.42% (upper mid).
Point 71Y return: -5.04% (bottom quartile).1Y return: -5.54% (bottom quartile).1Y return: 2.97% (top quartile).1Y return: -0.91% (upper mid).1Y return: -4.18% (lower mid).
Point 8Alpha: 0.00 (top quartile).Alpha: 0.00 (upper mid).Alpha: 0.00 (lower mid).Alpha: 0.00 (bottom quartile).Alpha: -2.55 (bottom quartile).
Point 9Sharpe: -0.56 (lower mid).Sharpe: -0.72 (bottom quartile).Sharpe: -0.33 (upper mid).Sharpe: -0.30 (top quartile).Sharpe: -0.65 (bottom quartile).
Point 10Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).Information ratio: 0.00 (bottom quartile).Information ratio: 0.10 (top quartile).

Aditya Birla Sun Life Small Cap Fund

  • Bottom quartile AUM (₹4,824 Cr).
  • Oldest track record among peers (18 yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 22.99% (bottom quartile).
  • 3Y return: 17.66% (bottom quartile).
  • 1Y return: -5.04% (bottom quartile).
  • Alpha: 0.00 (top quartile).
  • Sharpe: -0.56 (lower mid).
  • Information ratio: 0.00 (upper mid).

SBI Small Cap Fund

  • Lower mid AUM (₹35,245 Cr).
  • Established history (16+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 23.86% (bottom quartile).
  • 3Y return: 15.23% (bottom quartile).
  • 1Y return: -5.54% (bottom quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: -0.72 (bottom quartile).
  • Information ratio: 0.00 (lower mid).

HDFC Small Cap Fund

  • Upper mid AUM (₹36,294 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 29.97% (upper mid).
  • 3Y return: 23.58% (top quartile).
  • 1Y return: 2.97% (top quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.33 (upper mid).
  • Information ratio: 0.00 (bottom quartile).

DSP Small Cap Fund 

  • Bottom quartile AUM (₹16,628 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 26.55% (lower mid).
  • 3Y return: 20.02% (lower mid).
  • 1Y return: -0.91% (upper mid).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: -0.30 (top quartile).
  • Information ratio: 0.00 (bottom quartile).

Nippon India Small Cap Fund

  • Highest AUM (₹64,821 Cr).
  • Established history (15+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 31.76% (top quartile).
  • 3Y return: 23.42% (upper mid).
  • 1Y return: -4.18% (lower mid).
  • Alpha: -2.55 (bottom quartile).
  • Sharpe: -0.65 (bottom quartile).
  • Information ratio: 0.10 (top quartile).

5. मल्टी-कॅप म्युच्युअल फंड

हे फंड मोठ्या, मिड आणि स्मॉल कॅपमध्ये गुंतवणूक करतात, अशा प्रकारे नाव-मल्टी-कॅप. पोर्टफोलिओमध्ये विविधता आणण्यासाठी मल्टी-कॅप फंड हा एक चांगला पर्याय आहे. हे फंड मार्केट कॅपिटलायझेशनमध्ये गुंतवणूक करतात म्हणून, ते जोखीम संतुलित करतात आणि परतावा खूप चांगल्या प्रकारे देतात. SIP मार्ग घेतल्याने दीर्घकाळात स्थिर परतावा मिळून फायदा होऊ शकतो.

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Motilal Oswal Multicap 35 Fund Growth ₹63.9241
↓ -0.40
₹13,679 500 713.73.622.42045.7
Kotak Standard Multicap Fund Growth ₹86.026
↓ -0.25
₹53,626 500 2.514.22.916.819.416.5
Mirae Asset India Equity Fund  Growth ₹115.058
↓ -0.32
₹39,477 1,000 4.112.40.713.416.912.7
BNP Paribas Multi Cap Fund Growth ₹73.5154
↓ -0.01
₹588 300 -4.6-2.619.317.313.6
Aditya Birla Sun Life Equity Fund Growth ₹1,827.38
↓ -2.87
₹22,962 100 3.613.61.317.820.118.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryMotilal Oswal Multicap 35 FundKotak Standard Multicap FundMirae Asset India Equity Fund BNP Paribas Multi Cap FundAditya Birla Sun Life Equity Fund
Point 1Bottom quartile AUM (₹13,679 Cr).Highest AUM (₹53,626 Cr).Upper mid AUM (₹39,477 Cr).Bottom quartile AUM (₹588 Cr).Lower mid AUM (₹22,962 Cr).
Point 2Established history (11+ yrs).Established history (16+ yrs).Established history (17+ yrs).Established history (20+ yrs).Oldest track record among peers (27 yrs).
Point 3Top rated.Rating: 5★ (upper mid).Rating: 5★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (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: 20.03% (upper mid).5Y return: 19.40% (lower mid).5Y return: 16.91% (bottom quartile).5Y return: 13.57% (bottom quartile).5Y return: 20.12% (top quartile).
Point 63Y return: 22.44% (top quartile).3Y return: 16.84% (bottom quartile).3Y return: 13.39% (bottom quartile).3Y return: 17.28% (lower mid).3Y return: 17.80% (upper mid).
Point 71Y return: 3.60% (upper mid).1Y return: 2.86% (lower mid).1Y return: 0.72% (bottom quartile).1Y return: 19.34% (top quartile).1Y return: 1.26% (bottom quartile).
Point 8Alpha: 9.76 (top quartile).Alpha: 3.91 (upper mid).Alpha: 1.60 (bottom quartile).Alpha: 0.00 (bottom quartile).Alpha: 2.31 (lower mid).
Point 9Sharpe: -0.06 (upper mid).Sharpe: -0.37 (lower mid).Sharpe: -0.52 (bottom quartile).Sharpe: 2.86 (top quartile).Sharpe: -0.46 (bottom quartile).
Point 10Information ratio: 0.79 (top quartile).Information ratio: 0.19 (lower mid).Information ratio: -0.17 (bottom quartile).Information ratio: 0.00 (bottom quartile).Information ratio: 0.70 (upper mid).

Motilal Oswal Multicap 35 Fund

  • Bottom quartile AUM (₹13,679 Cr).
  • Established history (11+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 20.03% (upper mid).
  • 3Y return: 22.44% (top quartile).
  • 1Y return: 3.60% (upper mid).
  • Alpha: 9.76 (top quartile).
  • Sharpe: -0.06 (upper mid).
  • Information ratio: 0.79 (top quartile).

Kotak Standard Multicap Fund

  • Highest AUM (₹53,626 Cr).
  • Established history (16+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 19.40% (lower mid).
  • 3Y return: 16.84% (bottom quartile).
  • 1Y return: 2.86% (lower mid).
  • Alpha: 3.91 (upper mid).
  • Sharpe: -0.37 (lower mid).
  • Information ratio: 0.19 (lower mid).

Mirae Asset India Equity Fund 

  • Upper mid AUM (₹39,477 Cr).
  • Established history (17+ yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 16.91% (bottom quartile).
  • 3Y return: 13.39% (bottom quartile).
  • 1Y return: 0.72% (bottom quartile).
  • Alpha: 1.60 (bottom quartile).
  • Sharpe: -0.52 (bottom quartile).
  • Information ratio: -0.17 (bottom quartile).

BNP Paribas Multi Cap Fund

  • Bottom quartile AUM (₹588 Cr).
  • Established history (20+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 13.57% (bottom quartile).
  • 3Y return: 17.28% (lower mid).
  • 1Y return: 19.34% (top quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 2.86 (top quartile).
  • Information ratio: 0.00 (bottom quartile).

Aditya Birla Sun Life Equity Fund

  • Lower mid AUM (₹22,962 Cr).
  • Oldest track record among peers (27 yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 20.12% (top quartile).
  • 3Y return: 17.80% (upper mid).
  • 1Y return: 1.26% (bottom quartile).
  • Alpha: 2.31 (lower mid).
  • Sharpe: -0.46 (bottom quartile).
  • Information ratio: 0.70 (upper mid).

6. संतुलित निधी किंवा संकरित निधी

आणखी एक म्युच्युअल फंड जो प्रथमच एसआयपी गुंतवणुकीसाठी योग्य आहेसंतुलित निधी. बॅलन्स्ड म्युच्युअल फंड त्यांच्या मालमत्तेपैकी 65% पेक्षा जास्त इक्विटी साधनांमध्ये आणि उर्वरित मालमत्ता कर्ज साधनांमध्ये गुंतवतात. हे निधी पेक्षा कमी धोकादायक आहेतइक्विटी फंड इक्विटी तुलनात्मक परतावा प्रदान करताना. यामुळे नवशिक्यांसाठी संतुलित फंड हा एक आदर्श गुंतवणूक पर्याय बनतो.

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Edelweiss Arbitrage Fund Growth ₹19.5911
↑ 0.01
₹15,931 500 1.23.16.675.77.7
Aditya Birla Sun Life Equity Hybrid 95 Fund Growth ₹1,547.73
↓ -4.34
₹7,372 100 2.810.91.113.516.315.3
SBI Multi Asset Allocation Fund Growth ₹61.0605
↑ 0.06
₹10,262 500 3.8128.516.614.812.8
SBI Equity Hybrid Fund Growth ₹305.048
↑ 0.61
₹77,256 500 2.4116.713.816.514.2
ICICI Prudential Equity Arbitrage Fund Growth ₹34.6893
↑ 0.01
₹32,593 1,000 1.23.26.775.77.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryEdelweiss Arbitrage FundAditya Birla Sun Life Equity Hybrid 95 FundSBI Multi Asset Allocation FundSBI Equity Hybrid FundICICI Prudential Equity Arbitrage Fund
Point 1Lower mid AUM (₹15,931 Cr).Bottom quartile AUM (₹7,372 Cr).Bottom quartile AUM (₹10,262 Cr).Highest AUM (₹77,256 Cr).Upper mid AUM (₹32,593 Cr).
Point 2Established history (11+ yrs).Oldest track record among peers (30 yrs).Established history (19+ yrs).Established history (20+ yrs).Established history (18+ yrs).
Point 3Top rated.Rating: 5★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Moderately Low.Risk profile: Moderately High.Risk profile: Moderate.Risk profile: Moderately High.Risk profile: Moderate.
Point 55Y return: 5.70% (bottom quartile).5Y return: 16.25% (upper mid).5Y return: 14.76% (lower mid).5Y return: 16.52% (top quartile).5Y return: 5.68% (bottom quartile).
Point 63Y return: 7.00% (bottom quartile).3Y return: 13.52% (lower mid).3Y return: 16.59% (top quartile).3Y return: 13.81% (upper mid).3Y return: 6.99% (bottom quartile).
Point 71Y return: 6.57% (bottom quartile).1Y return: 1.06% (bottom quartile).1Y return: 8.50% (top quartile).1Y return: 6.73% (upper mid).1Y return: 6.66% (lower mid).
Point 81M return: 0.36% (bottom quartile).1M return: 1.44% (upper mid).1M return: 2.75% (top quartile).1M return: 1.18% (lower mid).1M return: 0.38% (bottom quartile).
Point 9Alpha: -0.22 (bottom quartile).Alpha: 0.62 (upper mid).Alpha: 0.00 (lower mid).Alpha: 5.33 (top quartile).Alpha: 0.00 (bottom quartile).
Point 10Sharpe: 0.64 (upper mid).Sharpe: -0.55 (bottom quartile).Sharpe: -0.10 (lower mid).Sharpe: -0.11 (bottom quartile).Sharpe: 0.92 (top quartile).

Edelweiss Arbitrage Fund

  • Lower mid AUM (₹15,931 Cr).
  • Established history (11+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 5Y return: 5.70% (bottom quartile).
  • 3Y return: 7.00% (bottom quartile).
  • 1Y return: 6.57% (bottom quartile).
  • 1M return: 0.36% (bottom quartile).
  • Alpha: -0.22 (bottom quartile).
  • Sharpe: 0.64 (upper mid).

Aditya Birla Sun Life Equity Hybrid 95 Fund

  • Bottom quartile AUM (₹7,372 Cr).
  • Oldest track record among peers (30 yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 16.25% (upper mid).
  • 3Y return: 13.52% (lower mid).
  • 1Y return: 1.06% (bottom quartile).
  • 1M return: 1.44% (upper mid).
  • Alpha: 0.62 (upper mid).
  • Sharpe: -0.55 (bottom quartile).

SBI Multi Asset Allocation Fund

  • Bottom quartile AUM (₹10,262 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 5Y return: 14.76% (lower mid).
  • 3Y return: 16.59% (top quartile).
  • 1Y return: 8.50% (top quartile).
  • 1M return: 2.75% (top quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.10 (lower mid).

SBI Equity Hybrid Fund

  • Highest AUM (₹77,256 Cr).
  • Established history (20+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 16.52% (top quartile).
  • 3Y return: 13.81% (upper mid).
  • 1Y return: 6.73% (upper mid).
  • 1M return: 1.18% (lower mid).
  • Alpha: 5.33 (top quartile).
  • Sharpe: -0.11 (bottom quartile).

ICICI Prudential Equity Arbitrage Fund

  • Upper mid AUM (₹32,593 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 5Y return: 5.68% (bottom quartile).
  • 3Y return: 6.99% (bottom quartile).
  • 1Y return: 6.66% (lower mid).
  • 1M return: 0.38% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 0.92 (top quartile).

SIP गुंतवणुकीचे फायदे

Benefits-of-SIP-Investment

साधारणपणे, एसआयपी गुंतवणूक हा एक आदर्श मार्ग मानला जातो, जेव्हाम्युच्युअल फंडात गुंतवणूक प्रथमच. नवशिक्यांसाठी गुंतवणूक करणे हे सहसा खूप क्लिष्ट आणि गोंधळलेले असते. त्यांच्या बचतीचे गुंतवणुकीत रुपांतर करण्यासाठी त्यांना अनेकदा आव्हानांचा सामना करावा लागतो. वर नमूद केलेल्या गोष्टींचा विचार करासर्वोत्तम म्युच्युअल फंड तुमची पहिली SIP गुंतवणूक करण्यासाठी SIP साठी. पहिले पाऊल उचलण्याची भीती बाळगून मोठी बचत करण्याची संधी गमावू नका. तुमचा पहिला पगार जमा झाला, आत्ताच योग्य SIP गुंतवणूक करा!

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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