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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Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) DSP World Gold Fund Growth ₹43.9855
↑ 1.07 ₹1,421 500 40.5 69.6 93.2 52.4 16.5 15.9 Aditya Birla Sun Life Gold Fund Growth ₹33.1202
↓ -0.33 ₹725 100 15.3 29 52.1 30.3 16.3 18.7 ICICI Prudential Regular Gold Savings Fund Growth ₹35.3076
↓ -0.20 ₹2,603 100 14.9 28.4 51.4 30.1 15.9 19.5 Nippon India Gold Savings Fund Growth ₹43.667
↓ -0.23 ₹3,439 100 15 28.4 50.9 30 16.3 19 HDFC Gold Fund Growth ₹34.0962
↓ -0.18 ₹4,915 300 15.1 28.4 50.8 30 16.3 18.9 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Sep 25 Research Highlights & Commentary of 5 Funds showcased
Commentary DSP World Gold Fund Aditya Birla Sun Life Gold Fund ICICI Prudential Regular Gold Savings Fund Nippon India Gold Savings Fund HDFC Gold Fund Point 1 Bottom quartile AUM (₹1,421 Cr). Bottom quartile AUM (₹725 Cr). Lower mid AUM (₹2,603 Cr). Upper mid AUM (₹3,439 Cr). Highest AUM (₹4,915 Cr). Point 2 Oldest track record among peers (18 yrs). Established history (13+ yrs). Established history (13+ yrs). Established history (14+ yrs). Established history (13+ yrs). Point 3 Top rated. Rating: 3★ (upper mid). Rating: 1★ (bottom quartile). Rating: 2★ (lower mid). 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: 16.54% (top quartile). 5Y return: 16.32% (upper mid). 5Y return: 15.91% (bottom quartile). 5Y return: 16.25% (bottom quartile). 5Y return: 16.30% (lower mid). Point 6 3Y return: 52.45% (top quartile). 3Y return: 30.27% (upper mid). 3Y return: 30.08% (lower mid). 3Y return: 30.03% (bottom quartile). 3Y return: 29.95% (bottom quartile). Point 7 1Y return: 93.16% (top quartile). 1Y return: 52.11% (upper mid). 1Y return: 51.35% (lower mid). 1Y return: 50.90% (bottom quartile). 1Y return: 50.79% (bottom quartile). Point 8 Alpha: 3.15 (top quartile). 1M return: 15.57% (upper mid). 1M return: 15.07% (bottom quartile). 1M return: 15.10% (bottom quartile). 1M return: 15.14% (lower mid). Point 9 Sharpe: 1.80 (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: -1.09 (bottom quartile). Sharpe: 2.66 (top quartile). Sharpe: 2.55 (upper mid). Sharpe: 2.52 (bottom quartile). Sharpe: 2.55 (lower mid). DSP World Gold Fund
Aditya Birla Sun Life Gold Fund
ICICI Prudential Regular Gold Savings Fund
Nippon India Gold Savings Fund
HDFC Gold Fund
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) DSP World Gold Fund Growth ₹43.9855
↑ 1.07 ₹1,421 500 40.5 69.6 93.2 52.4 16.5 15.9 SBI PSU Fund Growth ₹32.223
↓ -0.07 ₹5,179 500 1.4 9.3 -2.3 31.5 32.4 23.5 Invesco India PSU Equity Fund Growth ₹64.01
↓ -0.26 ₹1,341 500 -0.3 13.6 -2.3 31.1 29.9 25.6 SBI Gold Fund Growth ₹33.3898
↓ -0.11 ₹5,221 500 14.8 28.3 50.7 30.4 16.5 19.6 Aditya Birla Sun Life Gold Fund Growth ₹33.1202
↓ -0.33 ₹725 100 15.3 29 52.1 30.3 16.3 18.7 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Sep 25 Research Highlights & Commentary of 5 Funds showcased
Commentary DSP World Gold Fund SBI PSU Fund Invesco India PSU Equity Fund SBI Gold Fund Aditya Birla Sun Life Gold Fund Point 1 Lower mid AUM (₹1,421 Cr). Upper mid AUM (₹5,179 Cr). Bottom quartile AUM (₹1,341 Cr). Highest AUM (₹5,221 Cr). Bottom quartile AUM (₹725 Cr). Point 2 Oldest track record among peers (18 yrs). Established history (15+ yrs). Established history (15+ yrs). Established history (14+ yrs). Established history (13+ yrs). Point 3 Top rated. Rating: 2★ (bottom quartile). Rating: 3★ (upper mid). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Point 4 Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 16.54% (lower mid). 5Y return: 32.43% (top quartile). 5Y return: 29.94% (upper mid). 5Y return: 16.50% (bottom quartile). 5Y return: 16.32% (bottom quartile). Point 6 3Y return: 52.45% (top quartile). 3Y return: 31.55% (upper mid). 3Y return: 31.12% (lower mid). 3Y return: 30.36% (bottom quartile). 3Y return: 30.27% (bottom quartile). Point 7 1Y return: 93.16% (top quartile). 1Y return: -2.32% (bottom quartile). 1Y return: -2.34% (bottom quartile). 1Y return: 50.74% (lower mid). 1Y return: 52.11% (upper mid). Point 8 Alpha: 3.15 (upper mid). Alpha: -0.35 (bottom quartile). Alpha: 5.81 (top quartile). 1M return: 15.00% (lower mid). 1M return: 15.57% (upper mid). Point 9 Sharpe: 1.80 (lower mid). Sharpe: -0.81 (bottom quartile). Sharpe: -0.58 (bottom quartile). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Point 10 Information ratio: -1.09 (bottom quartile). Information ratio: -0.37 (lower mid). Information ratio: -0.46 (bottom quartile). Sharpe: 2.58 (upper mid). Sharpe: 2.66 (top quartile). DSP World Gold Fund
SBI PSU Fund
Invesco India PSU Equity Fund
SBI Gold Fund
Aditya Birla Sun Life Gold Fund
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) DSP World Gold Fund Growth ₹43.9855
↑ 1.07 ₹1,421 500 40.5 69.6 93.2 52.4 16.5 15.9 SBI PSU Fund Growth ₹32.223
↓ -0.07 ₹5,179 500 1.4 9.3 -2.3 31.5 32.4 23.5 Invesco India PSU Equity Fund Growth ₹64.01
↓ -0.26 ₹1,341 500 -0.3 13.6 -2.3 31.1 29.9 25.6 Franklin India Opportunities Fund Growth ₹260.4
↓ -0.59 ₹7,509 500 5.6 14.3 -0.3 29.6 29.5 37.3 Nippon India Power and Infra Fund Growth ₹351.7
↓ -1.59 ₹7,175 100 2.9 11.8 -6.7 29 32.7 26.9 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Sep 25 Research Highlights & Commentary of 5 Funds showcased
Commentary DSP World Gold Fund SBI PSU Fund Invesco India PSU Equity Fund Franklin India Opportunities Fund Nippon India Power and Infra Fund Point 1 Bottom quartile AUM (₹1,421 Cr). Lower mid AUM (₹5,179 Cr). Bottom quartile AUM (₹1,341 Cr). Highest AUM (₹7,509 Cr). Upper mid AUM (₹7,175 Cr). Point 2 Established history (18+ yrs). Established history (15+ yrs). Established history (15+ yrs). Oldest track record among peers (25 yrs). Established history (21+ yrs). Point 3 Rating: 3★ (upper mid). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Top rated. Point 4 Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: Moderately High. Risk profile: High. Point 5 5Y return: 16.54% (bottom quartile). 5Y return: 32.43% (upper mid). 5Y return: 29.94% (lower mid). 5Y return: 29.52% (bottom quartile). 5Y return: 32.71% (top quartile). Point 6 3Y return: 52.45% (top quartile). 3Y return: 31.55% (upper mid). 3Y return: 31.12% (lower mid). 3Y return: 29.62% (bottom quartile). 3Y return: 29.02% (bottom quartile). Point 7 1Y return: 93.16% (top quartile). 1Y return: -2.32% (lower mid). 1Y return: -2.34% (bottom quartile). 1Y return: -0.28% (upper mid). 1Y return: -6.70% (bottom quartile). Point 8 Alpha: 3.15 (upper mid). Alpha: -0.35 (bottom quartile). Alpha: 5.81 (top quartile). Alpha: 2.40 (lower mid). Alpha: -3.51 (bottom quartile). Point 9 Sharpe: 1.80 (top quartile). Sharpe: -0.81 (bottom quartile). Sharpe: -0.58 (lower mid). Sharpe: -0.43 (upper mid). Sharpe: -0.66 (bottom quartile). Point 10 Information ratio: -1.09 (bottom quartile). Information ratio: -0.37 (lower mid). Information ratio: -0.46 (bottom quartile). Information ratio: 1.75 (top quartile). Information ratio: 0.79 (upper mid). DSP World Gold Fund
SBI PSU Fund
Invesco India PSU Equity Fund
Franklin India Opportunities Fund
Nippon India Power and Infra Fund
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Franklin India Opportunities Fund Growth ₹260.4
↓ -0.59 ₹7,509 500 5.6 14.3 -0.3 29.6 29.5 37.3 Nippon India Power and Infra Fund Growth ₹351.7
↓ -1.59 ₹7,175 100 2.9 11.8 -6.7 29 32.7 26.9 ICICI Prudential Infrastructure Fund Growth ₹196.06
↓ -0.62 ₹7,645 100 1.8 11 -1.7 29 37.5 27.4 DSP India T.I.G.E.R Fund Growth ₹316.809
↓ -0.68 ₹5,303 500 2.7 11.6 -8.3 26.6 34.1 32.4 UTI Healthcare Fund Growth ₹292.623
↓ -1.44 ₹1,119 500 5.5 8.5 2.3 26.2 18.4 42.9 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Sep 25 Research Highlights & Commentary of 5 Funds showcased
Commentary Franklin India Opportunities Fund Nippon India Power and Infra Fund ICICI Prudential Infrastructure Fund DSP India T.I.G.E.R Fund UTI Healthcare Fund Point 1 Upper mid AUM (₹7,509 Cr). Lower mid AUM (₹7,175 Cr). Highest AUM (₹7,645 Cr). Bottom quartile AUM (₹5,303 Cr). Bottom quartile AUM (₹1,119 Cr). Point 2 Established history (25+ yrs). Established history (21+ yrs). Established history (20+ yrs). Established history (21+ yrs). Oldest track record among peers (26 yrs). Point 3 Rating: 3★ (lower mid). Top rated. Rating: 3★ (bottom quartile). Rating: 4★ (upper mid). 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: 29.52% (bottom quartile). 5Y return: 32.71% (lower mid). 5Y return: 37.45% (top quartile). 5Y return: 34.13% (upper mid). 5Y return: 18.36% (bottom quartile). Point 6 3Y return: 29.62% (top quartile). 3Y return: 29.02% (upper mid). 3Y return: 28.96% (lower mid). 3Y return: 26.61% (bottom quartile). 3Y return: 26.16% (bottom quartile). Point 7 1Y return: -0.28% (upper mid). 1Y return: -6.70% (bottom quartile). 1Y return: -1.68% (lower mid). 1Y return: -8.28% (bottom quartile). 1Y return: 2.30% (top quartile). Point 8 Alpha: 2.40 (top quartile). Alpha: -3.51 (bottom quartile). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Alpha: 0.79 (upper mid). Point 9 Sharpe: -0.43 (upper mid). Sharpe: -0.66 (bottom quartile). Sharpe: -0.48 (lower mid). Sharpe: -0.71 (bottom quartile). Sharpe: -0.15 (top quartile). Point 10 Information ratio: 1.75 (top quartile). Information ratio: 0.79 (upper mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.10 (lower mid). Franklin India Opportunities Fund
Nippon India Power and Infra Fund
ICICI Prudential Infrastructure Fund
DSP India T.I.G.E.R Fund
UTI Healthcare Fund
काहीगुंतवणुकीचे फायदे SIP मध्ये आहेत:
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.
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.
याशिवाय पद्धतशीर गुंतवणूक योजना हे एक साधे साधन आहेपैसे वाचवा आणि कालांतराने सुरुवातीला कमी गुंतवणुकीमुळे आयुष्यात नंतर मोठ्या रकमेची भर पडेल.
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.
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.
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