शीर्ष म्युच्युअल फंड एसआयपी परतावा कामगिरी

Updated on August 1, 2026 , 78152 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 (%)	2025 (%)
DSP World Mining Fund Growth	₹30.184 ↓ -0.53	₹164	500	-5.4	-5.2	69.8	21.6	14.7	79
DSP World Gold Fund Growth	₹48.8787 ↓ -1.55	₹1,433	500	-15.4	-20.4	59.7	41.2	21.4	167.1
Edelweiss Emerging Markets Opportunities Equity Off-shore Fund Growth	₹27.5514 ↑ 0.82	₹259	1,000	3.6	15.4	55.6	23.9	10.3	41.1
Kotak Global Emerging Market Fund Growth	₹38.533 ↑ 2.06	₹1,767	1,000	2.5	12.2	46.6	22.7	11.4	39.1
SBI Gold Fund Growth	₹41.3323 ↑ 0.06	₹15,294	500	-5.1	-6.2	43.2	32.2	22.8	71.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Jul 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP World Mining Fund	DSP World Gold Fund	Edelweiss Emerging Markets Opportunities Equity Off-shore Fund	Kotak Global Emerging Market Fund	SBI Gold Fund
Point 1	Bottom quartile AUM (₹164 Cr).	Lower mid AUM (₹1,433 Cr).	Bottom quartile AUM (₹259 Cr).	Upper mid AUM (₹1,767 Cr).	Highest AUM (₹15,294 Cr).
Point 2	Established history (16+ yrs).	Oldest track record among peers (18 yrs).	Established history (12+ yrs).	Established history (18+ yrs).	Established history (14+ yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.
Point 5	5Y return: 14.68% (lower mid).	5Y return: 21.39% (upper mid).	5Y return: 10.33% (bottom quartile).	5Y return: 11.37% (bottom quartile).	5Y return: 22.83% (top quartile).
Point 6	3Y return: 21.55% (bottom quartile).	3Y return: 41.18% (top quartile).	3Y return: 23.86% (lower mid).	3Y return: 22.75% (bottom quartile).	3Y return: 32.23% (upper mid).
Point 7	1Y return: 69.76% (top quartile).	1Y return: 59.69% (upper mid).	1Y return: 55.60% (lower mid).	1Y return: 46.64% (bottom quartile).	1Y return: 43.17% (bottom quartile).
Point 8	Alpha: 0.00 (lower mid).	Alpha: 2.12 (upper mid).	Alpha: 6.30 (top quartile).	Alpha: -1.76 (bottom quartile).	1M return: -2.56% (lower mid).
Point 9	Sharpe: 1.74 (lower mid).	Sharpe: 1.22 (bottom quartile).	Sharpe: 2.20 (top quartile).	Sharpe: 1.88 (upper mid).	Alpha: 0.00 (bottom quartile).
Point 10	Information ratio: 0.00 (top quartile).	Information ratio: -0.50 (bottom quartile).	Information ratio: -0.41 (bottom quartile).	Information ratio: -0.25 (lower mid).	Sharpe: 1.29 (bottom quartile).

DSP World Mining Fund

Bottom quartile AUM (₹164 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: High.
5Y return: 14.68% (lower mid).
3Y return: 21.55% (bottom quartile).
1Y return: 69.76% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 1.74 (lower mid).
Information ratio: 0.00 (top quartile).

DSP World Gold Fund

Lower mid AUM (₹1,433 Cr).
Oldest track record among peers (18 yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 21.39% (upper mid).
3Y return: 41.18% (top quartile).
1Y return: 59.69% (upper mid).
Alpha: 2.12 (upper mid).
Sharpe: 1.22 (bottom quartile).
Information ratio: -0.50 (bottom quartile).

Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Bottom quartile AUM (₹259 Cr).
Established history (12+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 10.33% (bottom quartile).
3Y return: 23.86% (lower mid).
1Y return: 55.60% (lower mid).
Alpha: 6.30 (top quartile).
Sharpe: 2.20 (top quartile).
Information ratio: -0.41 (bottom quartile).

Kotak Global Emerging Market Fund

Upper mid AUM (₹1,767 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 11.37% (bottom quartile).
3Y return: 22.75% (bottom quartile).
1Y return: 46.64% (bottom quartile).
Alpha: -1.76 (bottom quartile).
Sharpe: 1.88 (upper mid).
Information ratio: -0.25 (lower mid).

SBI Gold Fund

Highest AUM (₹15,294 Cr).
Established history (14+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 22.83% (top quartile).
3Y return: 32.23% (upper mid).
1Y return: 43.17% (bottom quartile).
1M return: -2.56% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.29 (bottom 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 (%)	2025 (%)
DSP World Gold Fund Growth	₹48.8787 ↓ -1.55	₹1,433	500	-15.4	-20.4	59.7	41.2	21.4	167.1
SBI Gold Fund Growth	₹41.3323 ↑ 0.06	₹15,294	500	-5.1	-6.2	43.2	32.2	22.8	71.5
ICICI Prudential Regular Gold Savings Fund Growth	₹43.6482 ↑ 0.04	₹6,265	100	-5.2	-6.7	42.8	32	22.7	72
HDFC Gold Fund Growth	₹42.117 ↑ 0.06	₹11,019	300	-5.1	-6.7	42.7	31.9	22.7	71.3
Nippon India Gold Savings Fund Growth	₹53.9306 ↑ 0.07	₹6,854	100	-5.1	-6.5	42.5	31.9	22.6	71.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Jul 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP World Gold Fund	SBI Gold Fund	ICICI Prudential Regular Gold Savings Fund	HDFC Gold Fund	Nippon India Gold Savings Fund
Point 1	Bottom quartile AUM (₹1,433 Cr).	Highest AUM (₹15,294 Cr).	Bottom quartile AUM (₹6,265 Cr).	Upper mid AUM (₹11,019 Cr).	Lower mid AUM (₹6,854 Cr).
Point 2	Oldest track record among peers (18 yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (15+ yrs).
Point 3	Top rated.	Rating: 2★ (upper mid).	Rating: 1★ (bottom quartile).	Rating: 1★ (bottom quartile).	Rating: 2★ (lower mid).
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: 21.39% (bottom quartile).	5Y return: 22.83% (top quartile).	5Y return: 22.75% (upper mid).	5Y return: 22.70% (lower mid).	5Y return: 22.65% (bottom quartile).
Point 6	3Y return: 41.18% (top quartile).	3Y return: 32.23% (upper mid).	3Y return: 32.02% (lower mid).	3Y return: 31.95% (bottom quartile).	3Y return: 31.91% (bottom quartile).
Point 7	1Y return: 59.69% (top quartile).	1Y return: 43.17% (upper mid).	1Y return: 42.78% (lower mid).	1Y return: 42.66% (bottom quartile).	1Y return: 42.54% (bottom quartile).
Point 8	Alpha: 2.12 (top quartile).	1M return: -2.56% (bottom quartile).	1M return: -2.71% (bottom quartile).	1M return: -2.53% (upper mid).	1M return: -2.55% (lower mid).
Point 9	Sharpe: 1.22 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Information ratio: -0.50 (bottom quartile).	Sharpe: 1.29 (top quartile).	Sharpe: 1.22 (lower mid).	Sharpe: 1.28 (upper mid).	Sharpe: 1.19 (bottom quartile).

DSP World Gold Fund

Bottom quartile AUM (₹1,433 Cr).
Oldest track record among peers (18 yrs).
Top rated.
Risk profile: High.
5Y return: 21.39% (bottom quartile).
3Y return: 41.18% (top quartile).
1Y return: 59.69% (top quartile).
Alpha: 2.12 (top quartile).
Sharpe: 1.22 (bottom quartile).
Information ratio: -0.50 (bottom quartile).

SBI Gold Fund

Highest AUM (₹15,294 Cr).
Established history (14+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 22.83% (top quartile).
3Y return: 32.23% (upper mid).
1Y return: 43.17% (upper mid).
1M return: -2.56% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 1.29 (top quartile).

ICICI Prudential Regular Gold Savings Fund

Bottom quartile AUM (₹6,265 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 22.75% (upper mid).
3Y return: 32.02% (lower mid).
1Y return: 42.78% (lower mid).
1M return: -2.71% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 1.22 (lower mid).

HDFC Gold Fund

Upper mid AUM (₹11,019 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 22.70% (lower mid).
3Y return: 31.95% (bottom quartile).
1Y return: 42.66% (bottom quartile).
1M return: -2.53% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.28 (upper mid).

Nippon India Gold Savings Fund

Lower mid AUM (₹6,854 Cr).
Established history (15+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 22.65% (bottom quartile).
3Y return: 31.91% (bottom quartile).
1Y return: 42.54% (bottom quartile).
1M return: -2.55% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.19 (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 (%)	2025 (%)
DSP World Gold Fund Growth	₹48.8787 ↓ -1.55	₹1,433	500	-15.4	-20.4	59.7	41.2	21.4	167.1
Nippon India Gold Savings Fund Growth	₹53.9306 ↑ 0.07	₹6,854	100	-5.1	-6.5	42.5	31.9	22.6	71.2
Kotak Gold Fund Growth	₹54.1751 ↑ 0.10	₹6,422	1,000	-5.2	-6.3	42.9	31.8	22.4	70.4
Invesco India Mid Cap Fund Growth	₹201.74 ↑ 4.02	₹13,767	500	12.7	13.8	13.9	25.3	19.4	6.3
LIC MF Infrastructure Fund Growth	₹55.1872 ↑ 0.62	₹1,137	1,000	6.5	12.2	12.1	24.7	22.2	-3.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Jul 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP World Gold Fund	Nippon India Gold Savings Fund	Kotak Gold Fund	Invesco India Mid Cap Fund	LIC MF Infrastructure Fund
Point 1	Bottom quartile AUM (₹1,433 Cr).	Upper mid AUM (₹6,854 Cr).	Lower mid AUM (₹6,422 Cr).	Highest AUM (₹13,767 Cr).	Bottom quartile AUM (₹1,137 Cr).
Point 2	Established history (18+ yrs).	Established history (15+ yrs).	Established history (15+ yrs).	Oldest track record among peers (19 yrs).	Established history (18+ yrs).
Point 3	Top rated.	Rating: 2★ (upper mid).	Rating: 1★ (bottom quartile).	Rating: 2★ (lower mid).	Not Rated.
Point 4	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.
Point 5	5Y return: 21.39% (bottom quartile).	5Y return: 22.65% (top quartile).	5Y return: 22.45% (upper mid).	5Y return: 19.38% (bottom quartile).	5Y return: 22.18% (lower mid).
Point 6	3Y return: 41.18% (top quartile).	3Y return: 31.91% (upper mid).	3Y return: 31.85% (lower mid).	3Y return: 25.34% (bottom quartile).	3Y return: 24.68% (bottom quartile).
Point 7	1Y return: 59.69% (top quartile).	1Y return: 42.54% (lower mid).	1Y return: 42.92% (upper mid).	1Y return: 13.87% (bottom quartile).	1Y return: 12.08% (bottom quartile).
Point 8	Alpha: 2.12 (upper mid).	1M return: -2.55% (bottom quartile).	1M return: -2.54% (bottom quartile).	Alpha: 0.00 (bottom quartile).	Alpha: 8.41 (top quartile).
Point 9	Sharpe: 1.22 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Sharpe: 0.19 (bottom quartile).	Sharpe: 0.22 (bottom quartile).
Point 10	Information ratio: -0.50 (bottom quartile).	Sharpe: 1.19 (lower mid).	Sharpe: 1.38 (top quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.58 (top quartile).

DSP World Gold Fund

Bottom quartile AUM (₹1,433 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 21.39% (bottom quartile).
3Y return: 41.18% (top quartile).
1Y return: 59.69% (top quartile).
Alpha: 2.12 (upper mid).
Sharpe: 1.22 (upper mid).
Information ratio: -0.50 (bottom quartile).

Nippon India Gold Savings Fund

Upper mid AUM (₹6,854 Cr).
Established history (15+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 22.65% (top quartile).
3Y return: 31.91% (upper mid).
1Y return: 42.54% (lower mid).
1M return: -2.55% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 1.19 (lower mid).

Kotak Gold Fund

Lower mid AUM (₹6,422 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 22.45% (upper mid).
3Y return: 31.85% (lower mid).
1Y return: 42.92% (upper mid).
1M return: -2.54% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.38 (top quartile).

Invesco India Mid Cap Fund

Highest AUM (₹13,767 Cr).
Oldest track record among peers (19 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.38% (bottom quartile).
3Y return: 25.34% (bottom quartile).
1Y return: 13.87% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.19 (bottom quartile).
Information ratio: 0.00 (bottom quartile).

LIC MF Infrastructure Fund

Bottom quartile AUM (₹1,137 Cr).
Established history (18+ yrs).
Not Rated.
Risk profile: High.
5Y return: 22.18% (lower mid).
3Y return: 24.68% (bottom quartile).
1Y return: 12.08% (bottom quartile).
Alpha: 8.41 (top quartile).
Sharpe: 0.22 (bottom quartile).
Information ratio: 0.58 (top quartile).

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 (%)	2025 (%)
UTI Healthcare Fund Growth	₹336.768 ↑ 2.26	₹1,308	500	15.1	21.3	15.6	23.5	14.6	-3.1
SBI Healthcare Opportunities Fund Growth	₹514.753 ↑ 1.45	₹4,998	500	17.2	24.6	19	23.3	16.8	-3.5
ICICI Prudential MidCap Fund Growth	₹341.14 ↑ 2.79	₹7,846	100	3.6	7.9	16.5	22.8	17	11.1
DSP India T.I.G.E.R Fund Growth	₹362.535 ↑ 3.00	₹6,264	500	5.4	15.2	17.5	22.2	21.5	-2.5
Sundaram Mid Cap Fund Growth	₹1,529.41 ↑ 20.02	₹14,026	100	8	8	12.4	21.4	17.8	4.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Aug 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Healthcare Fund	SBI Healthcare Opportunities Fund	ICICI Prudential MidCap Fund	DSP India T.I.G.E.R Fund	Sundaram Mid Cap Fund
Point 1	Bottom quartile AUM (₹1,308 Cr).	Bottom quartile AUM (₹4,998 Cr).	Upper mid AUM (₹7,846 Cr).	Lower mid AUM (₹6,264 Cr).	Highest AUM (₹14,026 Cr).
Point 2	Oldest track record among peers (27 yrs).	Established history (21+ yrs).	Established history (21+ yrs).	Established history (22+ yrs).	Established history (24+ yrs).
Point 3	Rating: 1★ (bottom quartile).	Rating: 2★ (lower mid).	Rating: 2★ (bottom quartile).	Top rated.	Rating: 4★ (upper mid).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.
Point 5	5Y return: 14.60% (bottom quartile).	5Y return: 16.76% (bottom quartile).	5Y return: 16.99% (lower mid).	5Y return: 21.52% (top quartile).	5Y return: 17.84% (upper mid).
Point 6	3Y return: 23.46% (top quartile).	3Y return: 23.34% (upper mid).	3Y return: 22.84% (lower mid).	3Y return: 22.21% (bottom quartile).	3Y return: 21.41% (bottom quartile).
Point 7	1Y return: 15.63% (bottom quartile).	1Y return: 18.98% (top quartile).	1Y return: 16.47% (lower mid).	1Y return: 17.51% (upper mid).	1Y return: 12.38% (bottom quartile).
Point 8	Alpha: 2.15 (lower mid).	Alpha: 2.23 (upper mid).	Alpha: 6.02 (top quartile).	Alpha: 0.00 (bottom quartile).	Alpha: 0.71 (bottom quartile).
Point 9	Sharpe: 0.58 (upper mid).	Sharpe: 0.59 (top quartile).	Sharpe: 0.32 (bottom quartile).	Sharpe: 0.44 (lower mid).	Sharpe: 0.06 (bottom quartile).
Point 10	Information ratio: 0.20 (lower mid).	Information ratio: -0.17 (bottom quartile).	Information ratio: 0.87 (top quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.32 (upper mid).

UTI Healthcare Fund

Bottom quartile AUM (₹1,308 Cr).
Oldest track record among peers (27 yrs).
Rating: 1★ (bottom quartile).
Risk profile: High.
5Y return: 14.60% (bottom quartile).
3Y return: 23.46% (top quartile).
1Y return: 15.63% (bottom quartile).
Alpha: 2.15 (lower mid).
Sharpe: 0.58 (upper mid).
Information ratio: 0.20 (lower mid).

SBI Healthcare Opportunities Fund

Bottom quartile AUM (₹4,998 Cr).
Established history (21+ yrs).
Rating: 2★ (lower mid).
Risk profile: High.
5Y return: 16.76% (bottom quartile).
3Y return: 23.34% (upper mid).
1Y return: 18.98% (top quartile).
Alpha: 2.23 (upper mid).
Sharpe: 0.59 (top quartile).
Information ratio: -0.17 (bottom quartile).

ICICI Prudential MidCap Fund

Upper mid AUM (₹7,846 Cr).
Established history (21+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.99% (lower mid).
3Y return: 22.84% (lower mid).
1Y return: 16.47% (lower mid).
Alpha: 6.02 (top quartile).
Sharpe: 0.32 (bottom quartile).
Information ratio: 0.87 (top quartile).

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

Lower mid AUM (₹6,264 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: High.
5Y return: 21.52% (top quartile).
3Y return: 22.21% (bottom quartile).
1Y return: 17.51% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.44 (lower mid).
Information ratio: 0.00 (bottom quartile).

Sundaram Mid Cap Fund

Highest AUM (₹14,026 Cr).
Established history (24+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.84% (upper mid).
3Y return: 21.41% (bottom quartile).
1Y return: 12.38% (bottom quartile).
Alpha: 0.71 (bottom quartile).
Sharpe: 0.06 (bottom quartile).
Information ratio: 0.32 (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.