शीर्ष म्युच्युअल फंड एसआयपी परतावा कामगिरी

Updated on January 8, 2026 , 77133 views

SIP म्युच्युअल फंड (किंवाशीर्ष 10 SIP म्युच्युअल फंड) हे फंड आहेत जे स्टॉकच्या अपरिहार्य चढ-उतार दरम्यान चिंताग्रस्त विक्री टाळण्यासाठी नियतकालिक गुंतवणुकीच्या साध्या सूत्राचे पालन करतातबाजार. सामान्यतः, SIP किंवा पद्धतशीरगुंतवणूक योजना एक आहेगुंतवणूक म्युच्युअल फंडात पैसे गुंतवण्याची पद्धत. शीर्ष 10 SIP म्युच्युअल फंडांमध्ये गुंतवणूक केल्याने तुमच्या गुंतवणुकीसाठी पद्धतशीर आणि शिस्तबद्ध दृष्टीकोन येतो. हे व्यवस्थापित करण्याचा तुमचा प्रयत्न कमी करतेएसआयपी गुंतवणूक.

SIP चे लाभ देतेकंपाउंडिंगची शक्ती कालांतराने इच्छित परतावा मिळवून देतो. वेगवेगळे आहेतम्युच्युअल फंडाचे प्रकार SIP साठी ज्यात इक्विटी, कर्ज, संतुलित आणि अति-अल्पकालीन निधी. तथापि,इक्विटी म्युच्युअल फंड SIP द्वारे गुंतवणूक केल्यावर जास्तीत जास्त परतावा देतात.

आर्थिक सल्लागार सुचवा की गुंतवणूकदारांनी गुंतवणूक करावीसर्वोत्तम म्युच्युअल फंड SIP साठीआधार त्यांची गुंतवणूक उद्दिष्टे आणि SIP गुंतवणुकीचा कालावधी.

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मागील 5 वर्षातील टॉप 5 SIP म्युच्युअल फंड परतावा

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
DSP World Gold Fund Growth	₹54.6929 ↑ 0.13	₹1,689	500	18.3	79.9	162.5	46.9	22.8	167.1
DSP World Mining Fund Growth	₹27.612 ↓ -0.40	₹181	500	17.9	56.4	81.9	18	15.5	79
SBI Gold Fund Growth	₹39.9927 ↑ 0.45	₹9,324	500	11.5	41.7	73.5	33	20.7	71.5
ICICI Prudential Regular Gold Savings Fund Growth	₹42.3525 ↑ 0.48	₹3,987	100	12.2	41.7	73.1	32.8	20.6	72
Nippon India Gold Savings Fund Growth	₹52.3595 ↑ 0.61	₹4,849	100	11.9	41.7	73.1	32.7	20.5	71.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP World Gold Fund	DSP World Mining Fund	SBI Gold Fund	ICICI Prudential Regular Gold Savings Fund	Nippon India Gold Savings Fund
Point 1	Bottom quartile AUM (₹1,689 Cr).	Bottom quartile AUM (₹181 Cr).	Highest AUM (₹9,324 Cr).	Lower mid AUM (₹3,987 Cr).	Upper mid AUM (₹4,849 Cr).
Point 2	Oldest track record among peers (18 yrs).	Established history (16+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 2★ (lower mid).	Rating: 1★ (bottom quartile).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 22.78% (top quartile).	5Y return: 15.50% (bottom quartile).	5Y return: 20.72% (upper mid).	5Y return: 20.61% (lower mid).	5Y return: 20.54% (bottom quartile).
Point 6	3Y return: 46.93% (top quartile).	3Y return: 17.97% (bottom quartile).	3Y return: 32.95% (upper mid).	3Y return: 32.80% (lower mid).	3Y return: 32.70% (bottom quartile).
Point 7	1Y return: 162.47% (top quartile).	1Y return: 81.94% (upper mid).	1Y return: 73.51% (lower mid).	1Y return: 73.13% (bottom quartile).	1Y return: 73.07% (bottom quartile).
Point 8	Alpha: -4.29 (bottom quartile).	Alpha: 0.00 (top quartile).	1M return: 6.80% (bottom quartile).	1M return: 6.81% (bottom quartile).	1M return: 6.87% (lower mid).
Point 9	Sharpe: 2.51 (bottom quartile).	Sharpe: 1.75 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).
Point 10	Information ratio: -1.02 (bottom quartile).	Information ratio: 0.00 (top quartile).	Sharpe: 3.54 (upper mid).	Sharpe: 3.47 (lower mid).	Sharpe: 3.61 (top quartile).

DSP World Gold Fund

Bottom quartile AUM (₹1,689 Cr).
Oldest track record among peers (18 yrs).
Top rated.
Risk profile: High.
5Y return: 22.78% (top quartile).
3Y return: 46.93% (top quartile).
1Y return: 162.47% (top quartile).
Alpha: -4.29 (bottom quartile).
Sharpe: 2.51 (bottom quartile).
Information ratio: -1.02 (bottom quartile).

DSP World Mining Fund

Bottom quartile AUM (₹181 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 15.50% (bottom quartile).
3Y return: 17.97% (bottom quartile).
1Y return: 81.94% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 1.75 (bottom quartile).
Information ratio: 0.00 (top quartile).

SBI Gold Fund

Highest AUM (₹9,324 Cr).
Established history (14+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 20.72% (upper mid).
3Y return: 32.95% (upper mid).
1Y return: 73.51% (lower mid).
1M return: 6.80% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 3.54 (upper mid).

ICICI Prudential Regular Gold Savings Fund

Lower mid AUM (₹3,987 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 20.61% (lower mid).
3Y return: 32.80% (lower mid).
1Y return: 73.13% (bottom quartile).
1M return: 6.81% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 3.47 (lower mid).

Nippon India Gold Savings Fund

Upper mid AUM (₹4,849 Cr).
Established history (14+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 20.54% (bottom quartile).
3Y return: 32.70% (bottom quartile).
1Y return: 73.07% (bottom quartile).
1M return: 6.87% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 3.61 (top quartile).

गेल्या 10 वर्षात टॉप 5 SIP म्युच्युअल फंड परतावा

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
DSP World Gold Fund Growth	₹54.6929 ↑ 0.13	₹1,689	500	18.3	79.9	162.5	46.9	22.8	167.1
SBI Gold Fund Growth	₹39.9927 ↑ 0.45	₹9,324	500	11.5	41.7	73.5	33	20.7	71.5
Aditya Birla Sun Life Gold Fund Growth	₹39.7152 ↑ 0.40	₹1,136	100	11.2	41.7	72.9	32.8	20.6	72
Axis Gold Fund Growth	₹39.8369 ↑ 0.60	₹1,954	1,000	11.8	41.8	72.8	32.8	20.7	69.8
ICICI Prudential Regular Gold Savings Fund Growth	₹42.3525 ↑ 0.48	₹3,987	100	12.2	41.7	73.1	32.8	20.6	72
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP World Gold Fund	SBI Gold Fund	Aditya Birla Sun Life Gold Fund	Axis Gold Fund	ICICI Prudential Regular Gold Savings Fund
Point 1	Bottom quartile AUM (₹1,689 Cr).	Highest AUM (₹9,324 Cr).	Bottom quartile AUM (₹1,136 Cr).	Lower mid AUM (₹1,954 Cr).	Upper mid AUM (₹3,987 Cr).
Point 2	Oldest track record among peers (18 yrs).	Established history (14+ yrs).	Established history (13+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).
Point 3	Top rated.	Rating: 2★ (lower mid).	Rating: 3★ (upper mid).	Rating: 1★ (bottom quartile).	Rating: 1★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 22.78% (top quartile).	5Y return: 20.72% (upper mid).	5Y return: 20.65% (bottom quartile).	5Y return: 20.70% (lower mid).	5Y return: 20.61% (bottom quartile).
Point 6	3Y return: 46.93% (top quartile).	3Y return: 32.95% (upper mid).	3Y return: 32.83% (lower mid).	3Y return: 32.80% (bottom quartile).	3Y return: 32.80% (bottom quartile).
Point 7	1Y return: 162.47% (top quartile).	1Y return: 73.51% (upper mid).	1Y return: 72.89% (bottom quartile).	1Y return: 72.79% (bottom quartile).	1Y return: 73.13% (lower mid).
Point 8	Alpha: -4.29 (bottom quartile).	1M return: 6.80% (bottom quartile).	1M return: 7.05% (lower mid).	1M return: 7.12% (upper mid).	1M return: 6.81% (bottom quartile).
Point 9	Sharpe: 2.51 (bottom quartile).	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).
Point 10	Information ratio: -1.02 (bottom quartile).	Sharpe: 3.54 (lower mid).	Sharpe: 3.57 (upper mid).	Sharpe: 3.58 (top quartile).	Sharpe: 3.47 (bottom quartile).

DSP World Gold Fund

Bottom quartile AUM (₹1,689 Cr).
Oldest track record among peers (18 yrs).
Top rated.
Risk profile: High.
5Y return: 22.78% (top quartile).
3Y return: 46.93% (top quartile).
1Y return: 162.47% (top quartile).
Alpha: -4.29 (bottom quartile).
Sharpe: 2.51 (bottom quartile).
Information ratio: -1.02 (bottom quartile).

SBI Gold Fund

Highest AUM (₹9,324 Cr).
Established history (14+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 20.72% (upper mid).
3Y return: 32.95% (upper mid).
1Y return: 73.51% (upper mid).
1M return: 6.80% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: 3.54 (lower mid).

Aditya Birla Sun Life Gold Fund

Bottom quartile AUM (₹1,136 Cr).
Established history (13+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 20.65% (bottom quartile).
3Y return: 32.83% (lower mid).
1Y return: 72.89% (bottom quartile).
1M return: 7.05% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 3.57 (upper mid).

Axis Gold Fund

Lower mid AUM (₹1,954 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 20.70% (lower mid).
3Y return: 32.80% (bottom quartile).
1Y return: 72.79% (bottom quartile).
1M return: 7.12% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 3.58 (top quartile).

ICICI Prudential Regular Gold Savings Fund

Upper mid AUM (₹3,987 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 20.61% (bottom quartile).
3Y return: 32.80% (bottom quartile).
1Y return: 73.13% (lower mid).
1M return: 6.81% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 3.47 (bottom quartile).

मागील 15 वर्षांतील शीर्ष 5 SIP म्युच्युअल फंड परतावा

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
DSP World Gold Fund Growth	₹54.6929 ↑ 0.13	₹1,689	500	18.3	79.9	162.5	46.9	22.8	167.1
Franklin India Opportunities Fund Growth	₹258.859 ↓ -3.19	₹8,304	500	0.6	1.8	4.1	30	21.4	3.1
Invesco India PSU Equity Fund Growth	₹65.87 ↓ -0.21	₹1,445	500	2.3	0	13.2	28.3	26.3	10.3
SBI PSU Fund Growth	₹33.7341 ↓ -0.01	₹5,763	500	3.3	4.1	13.1	27.8	28	11.3
LIC MF Infrastructure Fund Growth	₹48.5112 ↓ -0.75	₹1,022	1,000	-2.8	-3.7	-3.3	26.3	25.2	-3.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP World Gold Fund	Franklin India Opportunities Fund	Invesco India PSU Equity Fund	SBI PSU Fund	LIC MF Infrastructure Fund
Point 1	Lower mid AUM (₹1,689 Cr).	Highest AUM (₹8,304 Cr).	Bottom quartile AUM (₹1,445 Cr).	Upper mid AUM (₹5,763 Cr).	Bottom quartile AUM (₹1,022 Cr).
Point 2	Established history (18+ yrs).	Oldest track record among peers (25 yrs).	Established history (16+ yrs).	Established history (15+ yrs).	Established history (17+ yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Not Rated.
Point 4	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 22.78% (bottom quartile).	5Y return: 21.39% (bottom quartile).	5Y return: 26.33% (upper mid).	5Y return: 28.03% (top quartile).	5Y return: 25.15% (lower mid).
Point 6	3Y return: 46.93% (top quartile).	3Y return: 29.97% (upper mid).	3Y return: 28.34% (lower mid).	3Y return: 27.82% (bottom quartile).	3Y return: 26.30% (bottom quartile).
Point 7	1Y return: 162.47% (top quartile).	1Y return: 4.15% (bottom quartile).	1Y return: 13.22% (upper mid).	1Y return: 13.08% (lower mid).	1Y return: -3.25% (bottom quartile).
Point 8	Alpha: -4.29 (bottom quartile).	Alpha: -2.06 (lower mid).	Alpha: -0.45 (top quartile).	Alpha: -0.83 (upper mid).	Alpha: -13.09 (bottom quartile).
Point 9	Sharpe: 2.51 (top quartile).	Sharpe: -0.04 (bottom quartile).	Sharpe: 0.06 (upper mid).	Sharpe: 0.03 (lower mid).	Sharpe: -0.18 (bottom quartile).
Point 10	Information ratio: -1.02 (bottom quartile).	Information ratio: 1.67 (top quartile).	Information ratio: -0.49 (lower mid).	Information ratio: -0.53 (bottom quartile).	Information ratio: 0.31 (upper mid).

DSP World Gold Fund

Lower mid AUM (₹1,689 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 22.78% (bottom quartile).
3Y return: 46.93% (top quartile).
1Y return: 162.47% (top quartile).
Alpha: -4.29 (bottom quartile).
Sharpe: 2.51 (top quartile).
Information ratio: -1.02 (bottom quartile).

Franklin India Opportunities Fund

Highest AUM (₹8,304 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 21.39% (bottom quartile).
3Y return: 29.97% (upper mid).
1Y return: 4.15% (bottom quartile).
Alpha: -2.06 (lower mid).
Sharpe: -0.04 (bottom quartile).
Information ratio: 1.67 (top quartile).

Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,445 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 26.33% (upper mid).
3Y return: 28.34% (lower mid).
1Y return: 13.22% (upper mid).
Alpha: -0.45 (top quartile).
Sharpe: 0.06 (upper mid).
Information ratio: -0.49 (lower mid).

SBI PSU Fund

Upper mid AUM (₹5,763 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 28.03% (top quartile).
3Y return: 27.82% (bottom quartile).
1Y return: 13.08% (lower mid).
Alpha: -0.83 (upper mid).
Sharpe: 0.03 (lower mid).
Information ratio: -0.53 (bottom quartile).

LIC MF Infrastructure Fund

Bottom quartile AUM (₹1,022 Cr).
Established history (17+ yrs).
Not Rated.
Risk profile: High.
5Y return: 25.15% (lower mid).
3Y return: 26.30% (bottom quartile).
1Y return: -3.25% (bottom quartile).
Alpha: -13.09 (bottom quartile).
Sharpe: -0.18 (bottom quartile).
Information ratio: 0.31 (upper mid).

मागील 20 वर्षांतील शीर्ष 5 SIP म्युच्युअल फंड परतावा

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Franklin India Opportunities Fund Growth	₹258.859 ↓ -3.19	₹8,304	500	0.6	1.8	4.1	30	21.4	3.1
UTI Transportation & Logistics Fund Growth	₹294.471 ↓ -3.60	₹4,067	500	0.6	11.1	18.9	25.1	21.7	19.5
Nippon India Power and Infra Fund Growth	₹337.997 ↓ -4.09	₹7,301	100	-3	-4.6	0.5	24.5	25.1	-0.5
SBI Healthcare Opportunities Fund Growth	₹425.348 ↓ -5.62	₹4,131	500	-0.6	-2	-3.6	24.3	15.8	-3.5
Franklin India Technology Fund Growth	₹534.258 ↓ -5.21	₹1,957	500	3	1.5	-2.1	24.2	14.2	-1.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Franklin India Opportunities Fund	UTI Transportation & Logistics Fund	Nippon India Power and Infra Fund	SBI Healthcare Opportunities Fund	Franklin India Technology Fund
Point 1	Highest AUM (₹8,304 Cr).	Bottom quartile AUM (₹4,067 Cr).	Upper mid AUM (₹7,301 Cr).	Lower mid AUM (₹4,131 Cr).	Bottom quartile AUM (₹1,957 Cr).
Point 2	Established history (25+ yrs).	Established history (21+ yrs).	Established history (21+ yrs).	Established history (21+ yrs).	Oldest track record among peers (27 yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Top rated.	Rating: 2★ (bottom quartile).	Rating: 1★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 21.39% (lower mid).	5Y return: 21.71% (upper mid).	5Y return: 25.09% (top quartile).	5Y return: 15.85% (bottom quartile).	5Y return: 14.24% (bottom quartile).
Point 6	3Y return: 29.97% (top quartile).	3Y return: 25.12% (upper mid).	3Y return: 24.54% (lower mid).	3Y return: 24.31% (bottom quartile).	3Y return: 24.22% (bottom quartile).
Point 7	1Y return: 4.15% (upper mid).	1Y return: 18.90% (top quartile).	1Y return: 0.53% (lower mid).	1Y return: -3.60% (bottom quartile).	1Y return: -2.10% (bottom quartile).
Point 8	Alpha: -2.06 (bottom quartile).	Alpha: 0.00 (top quartile).	Alpha: -12.90 (bottom quartile).	Alpha: -0.61 (upper mid).	Alpha: -0.62 (lower mid).
Point 9	Sharpe: -0.04 (upper mid).	Sharpe: 0.72 (top quartile).	Sharpe: -0.26 (bottom quartile).	Sharpe: -0.12 (lower mid).	Sharpe: -0.49 (bottom quartile).
Point 10	Information ratio: 1.67 (top quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.42 (lower mid).	Information ratio: -0.03 (bottom quartile).	Information ratio: 1.24 (upper mid).

Franklin India Opportunities Fund

Highest AUM (₹8,304 Cr).
Established history (25+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 21.39% (lower mid).
3Y return: 29.97% (top quartile).
1Y return: 4.15% (upper mid).
Alpha: -2.06 (bottom quartile).
Sharpe: -0.04 (upper mid).
Information ratio: 1.67 (top quartile).

UTI Transportation & Logistics Fund

Bottom quartile AUM (₹4,067 Cr).
Established history (21+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 21.71% (upper mid).
3Y return: 25.12% (upper mid).
1Y return: 18.90% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.72 (top quartile).
Information ratio: 0.00 (bottom quartile).

Nippon India Power and Infra Fund

Upper mid AUM (₹7,301 Cr).
Established history (21+ yrs).
Top rated.
Risk profile: High.
5Y return: 25.09% (top quartile).
3Y return: 24.54% (lower mid).
1Y return: 0.53% (lower mid).
Alpha: -12.90 (bottom quartile).
Sharpe: -0.26 (bottom quartile).
Information ratio: 0.42 (lower mid).

SBI Healthcare Opportunities Fund

Lower mid AUM (₹4,131 Cr).
Established history (21+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 15.85% (bottom quartile).
3Y return: 24.31% (bottom quartile).
1Y return: -3.60% (bottom quartile).
Alpha: -0.61 (upper mid).
Sharpe: -0.12 (lower mid).
Information ratio: -0.03 (bottom quartile).

Franklin India Technology Fund

Bottom quartile AUM (₹1,957 Cr).
Oldest track record among peers (27 yrs).
Rating: 1★ (bottom quartile).
Risk profile: High.
5Y return: 14.24% (bottom quartile).
3Y return: 24.22% (bottom quartile).
1Y return: -2.10% (bottom quartile).
Alpha: -0.62 (lower mid).
Sharpe: -0.49 (bottom quartile).
Information ratio: 1.24 (upper mid).

तुम्ही एसआयपी किंवा सिस्टिमॅटिक इन्व्हेस्टमेंट प्लॅनमध्ये गुंतवणूक का करावी?

काहीगुंतवणुकीचे फायदे SIP मध्ये आहेत:

रुपया खर्च सरासरी

पद्धतशीर गुंतवणूक योजना ऑफर करणारा सर्वात मोठा फायदा म्हणजे रुपयाची किंमत सरासरी जी एखाद्या व्यक्तीला मालमत्ता खरेदीच्या खर्चाची सरासरी काढण्यास मदत करते. म्युच्युअल फंडात एकरकमी गुंतवणूक करताना काही युनिट्सची खरेदी केली जातेगुंतवणूकदार सर्व एकाच वेळी, एसआयपीच्या बाबतीत युनिट्सची खरेदी दीर्घ कालावधीसाठी केली जाते आणि ती मासिक अंतराने (सामान्यतः) समान प्रमाणात पसरविली जाते. कालांतराने गुंतवणुकीचा प्रसार होत असल्यामुळे, गुंतवणूकदाराला सरासरी खर्चाचा फायदा देऊन वेगवेगळ्या किंमतींवर शेअर बाजारात गुंतवणूक केली जाते, त्यामुळे रुपयाची सरासरी किंमत ही संज्ञा आहे.

कंपाउंडिंगची शक्ती

पद्धतशीर गुंतवणूक योजना चक्रवाढ शक्तीचा लाभ देखील देतात. जेव्हा तुम्ही फक्त मुद्दलावर व्याज मिळवता तेव्हा साधे व्याज असते. चक्रवाढ व्याजाच्या बाबतीत, व्याजाची रक्कम मुद्दलामध्ये जोडली जाते आणि व्याज नवीन मुद्दल (जुने मुद्दल अधिक नफा) वर मोजले जाते. ही प्रक्रिया प्रत्येक वेळी चालू राहते. SIP मधील म्युच्युअल फंड हप्त्यांमध्ये असल्याने, ते चक्रवाढ केले जातात, ज्यामुळे सुरुवातीला गुंतवलेल्या रकमेत अधिक भर पडते.

बचतीची सवय

याशिवाय पद्धतशीर गुंतवणूक योजना हे एक साधे साधन आहेपैसे वाचवा आणि कालांतराने सुरुवातीला कमी गुंतवणुकीमुळे आयुष्यात नंतर मोठ्या रकमेची भर पडेल.

परवडणारी

बचत सुरू करण्यासाठी एसआयपी हा जनतेसाठी एक अतिशय परवडणारा पर्याय आहे कारण प्रत्येक हप्त्यासाठी आवश्यक असलेली किमान रक्कम (तेही मासिक!) INR 500 इतकी कमी असू शकते. काही म्युच्युअल फंड कंपन्या "मायक्रोएसआयपी" नावाचे काहीतरी ऑफर देखील करतात जिथे तिकीट आकार INR 100 इतके कमी आहे.

जोखीम कमी करणे

एक पद्धतशीर गुंतवणुकीची योजना दीर्घ कालावधीत पसरलेली असते, हे लक्षात घेता, शेअर बाजारातील सर्व काळ, चढ-उतार आणि त्याहूनही महत्त्वाचे म्हणजे पडझड लक्षात येते. मंदीच्या काळात, जेव्हा बहुतेक गुंतवणूकदारांना भीती वाटते तेव्हा, गुंतवणूकदार “कमी” खरेदी करतात याची खात्री करून SIP हप्ते चालू राहतात.

म्युच्युअल फंड SIP मध्ये ऑनलाइन गुंतवणूक कशी करावी?

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सुरु करूया

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.