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भारतातील म्युच्युअल फंडाचे प्रकार

Updated on July 8, 2026 , 60928 views

म्युच्युअल फंड उद्योग भारतात 1963 पासून आहे. आज भारतात 10,000 पेक्षा जास्त योजना अस्तित्वात आहेत आणि उद्योगाची वाढ मोठ्या प्रमाणात झाली आहे. भारतीय म्युच्युअल फंड उद्योगाची AUM पासून वाढ झाली आहे30 एप्रिल 2011 पर्यंत ₹7.85 ट्रिलियन ते 30 एप्रिल 2021 पर्यंत ₹32.38 ट्रिलियन याचा अर्थ 10 वर्षांच्या कालावधीत 4 पट वाढ झाली आहे. जोडण्यासाठी, 30 एप्रिल 2021 रोजी MF भाषेनुसार एकूण फोलिओची संख्या होती9.86 कोटी (98.6 दशलक्ष).

अशा डोळ्यांना भुरळ घालणारी वाढ पाहता, अनेक लोक गुंतवणूक करण्यास आकर्षित होतात, जे भविष्य सुरक्षित करण्यासाठी एक उत्तम पाऊल आहे. आपण प्रारंभ करण्यापूर्वी, आपले संशोधन चांगले सुनिश्चित करा. MF चे प्रकार जसे की मूलभूत माहिती जाणून घेणे महत्वाचे आहेम्युच्युअल फंड, जोखीम आणि परतावा, वैविध्य इ. म्युच्युअल फंड इक्विटीसाठी स्टॉक मार्केटमध्ये गुंतवणूक करून पैसे उपयोजित करतात, ते डेट इन्स्ट्रुमेंट्सच्या संपर्कात देखील घेतात. त्याचप्रमाणे, ते देखीलसोन्यात गुंतवणूक करा, संकरित, FOFs, इ.

मूलभूत वर्गीकरण परिपक्वता कालावधीनुसार आहे, जेथे म्युच्युअल फंडाच्या दोन व्यापक श्रेणी आहेत - ओपन एंडेड आणि क्लोज एंडेड.

ओपन-एंडेड म्युच्युअल फंड

भारतातील बहुतांश म्युच्युअल फंड हे ओपन एंडेड स्वरूपाचे आहेत. हे फंड गुंतवणुकदारांसाठी कोणत्याही वेळी सबस्क्रिप्शनसाठी (किंवा सोप्या भाषेत खरेदीसाठी) खुले असतात. ज्या गुंतवणूकदारांना फंडात प्रवेश घ्यायचा आहे त्यांना ते नवीन युनिट्स जारी करतात. प्रारंभिक ऑफर कालावधीनंतर (NFO), या निधीची युनिट्स खरेदी केली जाऊ शकतात. दुर्मिळ परिस्थितीत, मालमत्ता व्यवस्थापन कंपनी (AMCजर एएमसीला असे वाटत असेल की नवीन पैसे उपयोजित करण्यासाठी पुरेशा आणि चांगल्या संधी नाहीत तर ते गुंतवणूकदारांद्वारे पुढील खरेदी थांबवू शकतात. तथापि, विमोचनासाठी, AMC ला युनिट्स परत विकत घ्याव्या लागतात.

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क्लोज-एंडेड म्युच्युअल फंड

हे असे फंड आहेत जे प्रारंभिक ऑफर कालावधी (NFO) नंतर गुंतवणूकदारांद्वारे पुढील सदस्यता (किंवा खरेदी) साठी बंद केले जातात. ओपन-एंडेड फंडांच्या विपरीत, गुंतवणूकदार एनएफओ कालावधीनंतर या प्रकारच्या म्युच्युअल फंडांची नवीन युनिट्स खरेदी करू शकत नाहीत. त्यामुळे क्लोज-एंडेड फंडात गुंतवणूक करणे केवळ NFO कालावधीतच शक्य आहे. तसेच, एक गोष्ट लक्षात घेण्यासारखी आहे की गुंतवणुकदार क्लोज-एंडेड फंडातील रिडेम्पशनद्वारे बाहेर पडू शकत नाहीत. विमोचन कालावधी परिपक्व झाल्यावर होते.

याव्यतिरिक्त, बाहेर पडण्याची संधी प्रदान करण्यासाठी,म्युच्युअल फंड घरे स्टॉक एक्सचेंजवर क्लोज-एंडेड फंडांची यादी करा. त्यामुळे, गुंतवणूकदारांना मुदतपूर्ती कालावधीपूर्वी ते बाहेर पडण्यासाठी एक्सचेंजवर क्लोज-एंडेड फंडांचा व्यापार करणे आवश्यक आहे.

types-of-mutual-funds

म्युच्युअल फंडाचे विविध प्रकार

सिक्युरिटीज अँड एक्सचेंज बोर्ड ऑफ इंडियाचे मार्गदर्शनसेबी) नियमानुसार, म्युच्युअल फंडामध्ये पाच मुख्य व्यापक श्रेणी आणि 36 उप-श्रेण्या आहेत.

1. इक्विटी म्युच्युअल फंड

इक्विटी फंड इक्विटी स्टॉक मार्केटमध्ये गुंतवणूक करून गुंतवणूकदारांसाठी पैसे कमवा. दीर्घकालीन परतावा शोधणाऱ्या गुंतवणूकदारांसाठी हा पर्याय योग्य आहे. इक्विटी म्युच्युअल फंडाचे काही प्रकार आहेत-

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2025 (%)
ICICI Prudential Infrastructure Fund Growth ₹205.3
↑ 2.56 		₹8,3516.45.83.221.523.96.7
LIC MF Infrastructure Fund Growth ₹54.9742
↑ 0.53 		₹1,0991113.38.726.623.5-3.7
SBI PSU Fund Growth ₹34.5645
↑ 0.53 		₹6,594-1.82.56.92623.211.3
DSP India T.I.G.E.R Fund Growth ₹362.845
↑ 3.72 		₹6,01911.917.313.124.822.9-2.5
DSP World Gold Fund Growth ₹50.0235
↑ 0.83 		₹1,679-19.8-11.267.644.722.6167.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Jul 26

Research Highlights & Commentary of 5 Funds showcased

CommentaryICICI Prudential Infrastructure FundLIC MF Infrastructure FundSBI PSU FundDSP India T.I.G.E.R FundDSP World Gold Fund
Point 1Highest AUM (₹8,351 Cr).Bottom quartile AUM (₹1,099 Cr).Upper mid AUM (₹6,594 Cr).Lower mid AUM (₹6,019 Cr).Bottom quartile AUM (₹1,679 Cr).
Point 2Established history (20+ yrs).Established history (18+ yrs).Established history (16+ yrs).Oldest track record among peers (22 yrs).Established history (18+ yrs).
Point 3Rating: 3★ (upper mid).Not Rated.Rating: 2★ (bottom quartile).Top rated.Rating: 3★ (lower mid).
Point 4Risk profile: High.Risk profile: High.Risk profile: High.Risk profile: High.Risk profile: High.
Point 55Y return: 23.93% (top quartile).5Y return: 23.52% (upper mid).5Y return: 23.23% (lower mid).5Y return: 22.91% (bottom quartile).5Y return: 22.59% (bottom quartile).
Point 63Y return: 21.48% (bottom quartile).3Y return: 26.59% (upper mid).3Y return: 26.03% (lower mid).3Y return: 24.76% (bottom quartile).3Y return: 44.67% (top quartile).
Point 71Y return: 3.16% (bottom quartile).1Y return: 8.69% (lower mid).1Y return: 6.95% (bottom quartile).1Y return: 13.06% (upper mid).1Y return: 67.61% (top quartile).
Point 8Alpha: 0.00 (lower mid).Alpha: 4.51 (top quartile).Alpha: 0.16 (upper mid).Alpha: 0.00 (bottom quartile).Alpha: -0.46 (bottom quartile).
Point 9Sharpe: 0.00 (bottom quartile).Sharpe: 0.26 (lower mid).Sharpe: 0.26 (bottom quartile).Sharpe: 0.48 (upper mid).Sharpe: 1.77 (top quartile).
Point 10Information ratio: 0.00 (upper mid).Information ratio: 0.55 (top quartile).Information ratio: -0.02 (bottom quartile).Information ratio: 0.00 (lower mid).Information ratio: -0.78 (bottom quartile).

ICICI Prudential Infrastructure Fund

  • Highest AUM (₹8,351 Cr).
  • Established history (20+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: High.
  • 5Y return: 23.93% (top quartile).
  • 3Y return: 21.48% (bottom quartile).
  • 1Y return: 3.16% (bottom quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 0.00 (bottom quartile).
  • Information ratio: 0.00 (upper mid).

LIC MF Infrastructure Fund

  • Bottom quartile AUM (₹1,099 Cr).
  • Established history (18+ yrs).
  • Not Rated.
  • Risk profile: High.
  • 5Y return: 23.52% (upper mid).
  • 3Y return: 26.59% (upper mid).
  • 1Y return: 8.69% (lower mid).
  • Alpha: 4.51 (top quartile).
  • Sharpe: 0.26 (lower mid).
  • Information ratio: 0.55 (top quartile).

SBI PSU Fund

  • Upper mid AUM (₹6,594 Cr).
  • Established history (16+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 23.23% (lower mid).
  • 3Y return: 26.03% (lower mid).
  • 1Y return: 6.95% (bottom quartile).
  • Alpha: 0.16 (upper mid).
  • Sharpe: 0.26 (bottom quartile).
  • Information ratio: -0.02 (bottom quartile).

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

  • Lower mid AUM (₹6,019 Cr).
  • Oldest track record among peers (22 yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 22.91% (bottom quartile).
  • 3Y return: 24.76% (bottom quartile).
  • 1Y return: 13.06% (upper mid).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 0.48 (upper mid).
  • Information ratio: 0.00 (lower mid).

DSP World Gold Fund

  • Bottom quartile AUM (₹1,679 Cr).
  • Established history (18+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: High.
  • 5Y return: 22.59% (bottom quartile).
  • 3Y return: 44.67% (top quartile).
  • 1Y return: 67.61% (top quartile).
  • Alpha: -0.46 (bottom quartile).
  • Sharpe: 1.77 (top quartile).
  • Information ratio: -0.78 (bottom quartile).

लार्ज-कॅप फंड अशा कंपन्यांमध्ये गुंतवणूक करतात ज्यांचे बाजार भांडवल (म्हणून नाव लार्ज-), सहसा, या खूप मोठ्या कंपन्या आहेत आणि प्रस्थापित खेळाडू आहेत, उदा. युनिलिव्हर, रिलायन्स, आयटीसी इ. मिड-कॅप आणि स्मॉल-कॅप फंड गुंतवणूक करतात. लहान कंपन्यांमध्ये, या कंपन्या लहान असल्याने असाधारण वाढ दर्शवू शकतात आणि चांगले परतावा देऊ शकतात. तथापि, ते लहान असल्याने ते नुकसान देऊ शकतात आणि अधिक धोकादायक असतात.

थीमॅटिक फंड हे इन्फ्रास्ट्रक्चर, पॉवर, मीडिया आणि मनोरंजन इत्यादीसारख्या विशिष्ट क्षेत्रात गुंतवणूक करतात. सर्व म्युच्युअल फंड थीमॅटिक फंड प्रदान करत नाहीत, उदा.रिलायन्स म्युच्युअल फंड पॉवर सेक्टर फंड, मीडिया आणि एंटरटेनमेंट फंड इत्यादीद्वारे थीमॅटिक फंडांना एक्सपोजर प्रदान करते.ICICI प्रुडेन्शियल म्युच्युअल फंड आयसीआयसीआय प्रुडेन्शियल बँकिंग आणि फायनान्शियल सर्व्हिसेस फंड, आयसीआयसीआय प्रुडेन्शियल टेक्नॉलॉजी फंड द्वारे तंत्रज्ञानाद्वारे बँकिंग आणि वित्तीय सेवा क्षेत्राला एक्सपोजर प्रदान करते.

2. डेट म्युच्युअल फंड

कर्ज निधी निश्चित उत्पन्न साधनांमध्ये गुंतवणूक करा, ज्याला म्हणून देखील ओळखले जातेबंध आणि गिल्ट्स. बाँड फंडांचे त्यांच्या मुदतपूर्तीच्या कालावधीनुसार वर्गीकरण केले जाते (म्हणून नाव, दीर्घकालीन किंवा अल्प मुदत). कार्यकाळानुसार, जोखीम देखील बदलते. डेट म्युच्युअल फंडाच्या विस्तृत श्रेणी, जसे की:

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2025 (%)
Franklin India Ultra Short Bond Fund - Super Institutional Plan Growth ₹34.9131
↑ 0.04 		₹2971.35.913.78.88.7
Sundaram Short Term Debt Fund Growth ₹36.3802
↑ 0.01 		₹3620.811.412.85.35.6
Aditya Birla Sun Life Credit Risk Fund Growth ₹25.1899
↑ 0.03 		₹1,3912.44.512.112.21013.4
Sundaram Low Duration Fund Growth ₹28.8391
↑ 0.01 		₹550110.211.855.7
DSP Credit Risk Fund Growth ₹54.8394
↑ 0.06 		₹2588.17.910.116.112.421
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Aug 22

Research Highlights & Commentary of 5 Funds showcased

CommentaryFranklin India Ultra Short Bond Fund - Super Institutional PlanSundaram Short Term Debt FundAditya Birla Sun Life Credit Risk FundSundaram Low Duration FundDSP Credit Risk Fund
Point 1Bottom quartile AUM (₹297 Cr).Lower mid AUM (₹362 Cr).Highest AUM (₹1,391 Cr).Upper mid AUM (₹550 Cr).Bottom quartile AUM (₹258 Cr).
Point 2Established history (18+ yrs).Oldest track record among peers (23 yrs).Established history (11+ yrs).Established history (19+ yrs).Established history (23+ yrs).
Point 3Rating: 1★ (bottom quartile).Rating: 2★ (upper mid).Not Rated.Rating: 2★ (lower mid).Top rated.
Point 4Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderate.
Point 51Y return: 13.69% (top quartile).1Y return: 12.83% (upper mid).1Y return: 12.15% (lower mid).1Y return: 11.79% (bottom quartile).1Y return: 10.11% (bottom quartile).
Point 61M return: 0.59% (lower mid).1M return: 0.20% (bottom quartile).1M return: 1.31% (upper mid).1M return: 0.28% (bottom quartile).1M return: 1.46% (top quartile).
Point 7Sharpe: 2.57 (top quartile).Sharpe: 0.98 (bottom quartile).Sharpe: 1.60 (upper mid).Sharpe: 0.99 (lower mid).Sharpe: 0.57 (bottom quartile).
Point 8Information ratio: 0.00 (top quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).Information ratio: 0.00 (bottom quartile).
Point 9Yield to maturity (debt): 0.00% (bottom quartile).Yield to maturity (debt): 4.52% (upper mid).Yield to maturity (debt): 8.40% (top quartile).Yield to maturity (debt): 4.19% (lower mid).Yield to maturity (debt): 0.00% (bottom quartile).
Point 10Modified duration: 0.00 yrs (top quartile).Modified duration: 1.20 yrs (lower mid).Modified duration: 1.87 yrs (bottom quartile).Modified duration: 0.47 yrs (upper mid).Modified duration: 2.33 yrs (bottom quartile).

Franklin India Ultra Short Bond Fund - Super Institutional Plan

  • Bottom quartile AUM (₹297 Cr).
  • Established history (18+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 13.69% (top quartile).
  • 1M return: 0.59% (lower mid).
  • Sharpe: 2.57 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 0.00% (bottom quartile).
  • Modified duration: 0.00 yrs (top quartile).

Sundaram Short Term Debt Fund

  • Lower mid AUM (₹362 Cr).
  • Oldest track record among peers (23 yrs).
  • Rating: 2★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 12.83% (upper mid).
  • 1M return: 0.20% (bottom quartile).
  • Sharpe: 0.98 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 4.52% (upper mid).
  • Modified duration: 1.20 yrs (lower mid).

Aditya Birla Sun Life Credit Risk Fund

  • Highest AUM (₹1,391 Cr).
  • Established history (11+ yrs).
  • Not Rated.
  • Risk profile: Moderate.
  • 1Y return: 12.15% (lower mid).
  • 1M return: 1.31% (upper mid).
  • Sharpe: 1.60 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 8.40% (top quartile).
  • Modified duration: 1.87 yrs (bottom quartile).

Sundaram Low Duration Fund

  • Upper mid AUM (₹550 Cr).
  • Established history (19+ yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 11.79% (bottom quartile).
  • 1M return: 0.28% (bottom quartile).
  • Sharpe: 0.99 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 4.19% (lower mid).
  • Modified duration: 0.47 yrs (upper mid).

DSP Credit Risk Fund

  • Bottom quartile AUM (₹258 Cr).
  • Established history (23+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 10.11% (bottom quartile).
  • 1M return: 1.46% (top quartile).
  • Sharpe: 0.57 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 0.00% (bottom quartile).
  • Modified duration: 2.33 yrs (bottom quartile).

3. हायब्रिड म्युच्युअल फंड

हायब्रीड फंड हा एक प्रकारचा म्युच्युअल फंड आहे जो इक्विटी आणि डेट या दोन्हीमध्ये गुंतवणूक करतो. ते असू शकतातसंतुलित निधी किंवामासिक उत्पन्न योजना (एमआयपी). गुंतवणुकीचा भाग इक्विटीमध्ये जास्त असतो. हायब्रीड फंडाचे काही प्रकार आहेत:

  • लवाद निधी
  • गतिमानमालमत्ता वाटप
  • पुराणमतवादी संकरित निधी
  • संतुलित संकरित निधी

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2025 (%)
BOI AXA Mid and Small Cap Equity and Debt Fund Growth ₹41.9
↑ 0.36 		₹1,4829.310.88.318.914.8-0.9
SBI Multi Asset Allocation Fund Growth ₹66.8641
↑ 0.43 		₹18,2902.52.711.716.213.418.6
Sundaram Equity Hybrid Fund Growth ₹135.137
↑ 0.78 		₹1,9540.510.527.11614.2
ICICI Prudential Multi-Asset Fund Growth ₹807.616
↑ 4.32 		₹84,1651.9-0.86.11617.318.6
ICICI Prudential Equity and Debt Fund Growth ₹407.73
↑ 3.01 		₹50,0332.60.13.715.916.813.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Jul 26

Research Highlights & Commentary of 5 Funds showcased

CommentaryBOI AXA Mid and Small Cap Equity and Debt FundSBI Multi Asset Allocation FundSundaram Equity Hybrid FundICICI Prudential Multi-Asset FundICICI Prudential Equity and Debt Fund
Point 1Bottom quartile AUM (₹1,482 Cr).Lower mid AUM (₹18,290 Cr).Bottom quartile AUM (₹1,954 Cr).Highest AUM (₹84,165 Cr).Upper mid AUM (₹50,033 Cr).
Point 2Established history (9+ yrs).Established history (20+ yrs).Oldest track record among peers (26 yrs).Established history (23+ yrs).Established history (26+ yrs).
Point 3Not Rated.Top rated.Rating: 2★ (lower mid).Rating: 2★ (bottom quartile).Rating: 4★ (upper mid).
Point 4Risk profile: Moderately High.Risk profile: Moderate.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 14.78% (lower mid).5Y return: 13.41% (bottom quartile).5Y return: 14.20% (bottom quartile).5Y return: 17.27% (top quartile).5Y return: 16.83% (upper mid).
Point 63Y return: 18.88% (top quartile).3Y return: 16.23% (upper mid).3Y return: 16.03% (lower mid).3Y return: 15.99% (bottom quartile).3Y return: 15.88% (bottom quartile).
Point 71Y return: 8.27% (lower mid).1Y return: 11.71% (upper mid).1Y return: 27.10% (top quartile).1Y return: 6.08% (bottom quartile).1Y return: 3.66% (bottom quartile).
Point 81M return: 4.57% (top quartile).1M return: 2.41% (lower mid).1M return: 1.80% (bottom quartile).1M return: 2.22% (bottom quartile).1M return: 4.53% (upper mid).
Point 9Alpha: 0.00 (lower mid).Alpha: 0.00 (bottom quartile).Alpha: 5.81 (top quartile).Alpha: 0.00 (bottom quartile).Alpha: 1.75 (upper mid).
Point 10Sharpe: 0.50 (lower mid).Sharpe: 0.78 (upper mid).Sharpe: 2.64 (top quartile).Sharpe: 0.18 (bottom quartile).Sharpe: -0.21 (bottom quartile).

BOI AXA Mid and Small Cap Equity and Debt Fund

  • Bottom quartile AUM (₹1,482 Cr).
  • Established history (9+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 14.78% (lower mid).
  • 3Y return: 18.88% (top quartile).
  • 1Y return: 8.27% (lower mid).
  • 1M return: 4.57% (top quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 0.50 (lower mid).

SBI Multi Asset Allocation Fund

  • Lower mid AUM (₹18,290 Cr).
  • Established history (20+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 5Y return: 13.41% (bottom quartile).
  • 3Y return: 16.23% (upper mid).
  • 1Y return: 11.71% (upper mid).
  • 1M return: 2.41% (lower mid).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 0.78 (upper mid).

Sundaram Equity Hybrid Fund

  • Bottom quartile AUM (₹1,954 Cr).
  • Oldest track record among peers (26 yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 14.20% (bottom quartile).
  • 3Y return: 16.03% (lower mid).
  • 1Y return: 27.10% (top quartile).
  • 1M return: 1.80% (bottom quartile).
  • Alpha: 5.81 (top quartile).
  • Sharpe: 2.64 (top quartile).

ICICI Prudential Multi-Asset Fund

  • Highest AUM (₹84,165 Cr).
  • Established history (23+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 17.27% (top quartile).
  • 3Y return: 15.99% (bottom quartile).
  • 1Y return: 6.08% (bottom quartile).
  • 1M return: 2.22% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 0.18 (bottom quartile).

ICICI Prudential Equity and Debt Fund

  • Upper mid AUM (₹50,033 Cr).
  • Established history (26+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 16.83% (upper mid).
  • 3Y return: 15.88% (bottom quartile).
  • 1Y return: 3.66% (bottom quartile).
  • 1M return: 4.53% (upper mid).
  • Alpha: 1.75 (upper mid).
  • Sharpe: -0.21 (bottom quartile).

4. समाधानाभिमुख योजना

दीर्घकालीन संपत्ती निर्माण करू इच्छिणाऱ्या गुंतवणूकदारांसाठी सोल्युशन ओरिएंटेड योजना उपयुक्त आहेत ज्यात प्रामुख्याने समावेश होतोनिवृत्ती नियोजन आणि मुलाचे भविष्यातील शिक्षणम्युच्युअल फंडात गुंतवणूक. पूर्वी, या योजना इक्विटी किंवा संतुलित योजनांचा एक भाग होत्या, परंतु SEBI च्या नवीन परिसंचरणानुसार, या निधीचे स्वतंत्रपणे सोल्यूशन ओरिएंटेड योजनांमध्ये वर्गीकरण केले गेले आहे. तसेच या योजनांना तीन वर्षांसाठी लॉक-इन असायचे, परंतु आता या फंडांना पाच वर्षांचे लॉक-इन अनिवार्य आहे.

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2025 (%)
ICICI Prudential Child Care Plan (Gift) Growth ₹329.94
↑ 2.71 		₹1,4083.91-0.714.713.38.3
HDFC Retirement Savings Fund - Equity Plan Growth ₹48.869
↑ 0.52 		₹6,6601.5-4.5-4.811135.2
Tata Retirement Savings Fund - Progressive Growth ₹68.6257
↑ 0.93 		₹2,13210.87314.611.4-1.2
Tata Retirement Savings Fund-Moderate Growth ₹67.6644
↑ 0.81 		₹2,1459.563.613.5111
SBI Magnum Children's Benefit Plan Growth ₹118.348
↑ 0.28 		₹1395.77.17.212.310.93.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Jul 26

Research Highlights & Commentary of 5 Funds showcased

CommentaryICICI Prudential Child Care Plan (Gift)HDFC Retirement Savings Fund - Equity Plan Tata Retirement Savings Fund - ProgressiveTata Retirement Savings Fund-ModerateSBI Magnum Children's Benefit Plan
Point 1Bottom quartile AUM (₹1,408 Cr).Highest AUM (₹6,660 Cr).Lower mid AUM (₹2,132 Cr).Upper mid AUM (₹2,145 Cr).Bottom quartile AUM (₹139 Cr).
Point 2Oldest track record among peers (24 yrs).Established history (10+ yrs).Established history (14+ yrs).Established history (14+ yrs).Established history (24+ yrs).
Point 3Rating: 2★ (bottom quartile).Not Rated.Top rated.Rating: 5★ (upper mid).Rating: 5★ (lower mid).
Point 4Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 13.28% (top quartile).5Y return: 13.01% (upper mid).5Y return: 11.40% (lower mid).5Y return: 11.02% (bottom quartile).5Y return: 10.89% (bottom quartile).
Point 63Y return: 14.71% (top quartile).3Y return: 10.98% (bottom quartile).3Y return: 14.63% (upper mid).3Y return: 13.54% (lower mid).3Y return: 12.27% (bottom quartile).
Point 71Y return: -0.71% (bottom quartile).1Y return: -4.80% (bottom quartile).1Y return: 3.01% (lower mid).1Y return: 3.55% (upper mid).1Y return: 7.23% (top quartile).
Point 81M return: 2.98% (bottom quartile).1M return: 4.66% (lower mid).1M return: 6.29% (top quartile).1M return: 5.72% (upper mid).1M return: 3.43% (bottom quartile).
Point 9Alpha: 0.00 (upper mid).Alpha: -7.14 (bottom quartile).Alpha: 2.66 (top quartile).Alpha: 0.00 (lower mid).Alpha: 0.00 (bottom quartile).
Point 10Sharpe: -0.07 (upper mid).Sharpe: -0.67 (bottom quartile).Sharpe: -0.06 (top quartile).Sharpe: -0.08 (lower mid).Sharpe: -0.32 (bottom quartile).

ICICI Prudential Child Care Plan (Gift)

  • Bottom quartile AUM (₹1,408 Cr).
  • Oldest track record among peers (24 yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 13.28% (top quartile).
  • 3Y return: 14.71% (top quartile).
  • 1Y return: -0.71% (bottom quartile).
  • 1M return: 2.98% (bottom quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: -0.07 (upper mid).

HDFC Retirement Savings Fund - Equity Plan

  • Highest AUM (₹6,660 Cr).
  • Established history (10+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 13.01% (upper mid).
  • 3Y return: 10.98% (bottom quartile).
  • 1Y return: -4.80% (bottom quartile).
  • 1M return: 4.66% (lower mid).
  • Alpha: -7.14 (bottom quartile).
  • Sharpe: -0.67 (bottom quartile).

Tata Retirement Savings Fund - Progressive

  • Lower mid AUM (₹2,132 Cr).
  • Established history (14+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 11.40% (lower mid).
  • 3Y return: 14.63% (upper mid).
  • 1Y return: 3.01% (lower mid).
  • 1M return: 6.29% (top quartile).
  • Alpha: 2.66 (top quartile).
  • Sharpe: -0.06 (top quartile).

Tata Retirement Savings Fund-Moderate

  • Upper mid AUM (₹2,145 Cr).
  • Established history (14+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 11.02% (bottom quartile).
  • 3Y return: 13.54% (lower mid).
  • 1Y return: 3.55% (upper mid).
  • 1M return: 5.72% (upper mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.08 (lower mid).

SBI Magnum Children's Benefit Plan

  • Bottom quartile AUM (₹139 Cr).
  • Established history (24+ yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 10.89% (bottom quartile).
  • 3Y return: 12.27% (bottom quartile).
  • 1Y return: 7.23% (top quartile).
  • 1M return: 3.43% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: -0.32 (bottom quartile).

5. गोल्ड फंड

गोल्ड म्युच्युअल फंड गुंतवणूक करतातसोने ETFs (एक्सचेंज ट्रेडेड फंड). सोन्यामध्ये एक्सपोजर घेऊ इच्छिणाऱ्या गुंतवणूकदारांसाठी आदर्शपणे योग्य. भौतिक सोन्याच्या विपरीत, ते खरेदी आणि पूर्तता (खरेदी आणि विक्री) करणे सोपे आहे. तसेच, ते गुंतवणूकदारांना खरेदी आणि विक्रीसाठी किंमतीची पारदर्शकता देतात.

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2025 (%)
SBI Gold Fund Growth ₹41.6271
↓ -0.09 		₹16,533-4.44.146.132.92371.5
ICICI Prudential Regular Gold Savings Fund Growth ₹44.01
↓ -0.14 		₹6,856-4.43.945.932.82372
Aditya Birla Sun Life Gold Fund Growth ₹41.3102
↓ -0.08 		₹1,822-4.5445.832.822.972
IDBI Gold Fund Growth ₹36.8919
↓ -0.01 		₹824-4.13.944.832.822.979
Kotak Gold Fund Growth ₹54.588
↓ -0.13 		₹7,065-4.43.945.732.722.670.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Jul 26

Research Highlights & Commentary of 5 Funds showcased

CommentarySBI Gold FundICICI Prudential Regular Gold Savings FundAditya Birla Sun Life Gold FundIDBI Gold FundKotak Gold Fund
Point 1Highest AUM (₹16,533 Cr).Lower mid AUM (₹6,856 Cr).Bottom quartile AUM (₹1,822 Cr).Bottom quartile AUM (₹824 Cr).Upper mid AUM (₹7,065 Cr).
Point 2Established history (14+ yrs).Established history (14+ yrs).Established history (14+ yrs).Established history (13+ yrs).Oldest track record among peers (15 yrs).
Point 3Rating: 2★ (upper mid).Rating: 1★ (lower mid).Top rated.Not Rated.Rating: 1★ (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: 23.02% (top quartile).5Y return: 22.98% (upper mid).5Y return: 22.87% (bottom quartile).5Y return: 22.91% (lower mid).5Y return: 22.60% (bottom quartile).
Point 63Y return: 32.95% (top quartile).3Y return: 32.85% (upper mid).3Y return: 32.81% (lower mid).3Y return: 32.76% (bottom quartile).3Y return: 32.69% (bottom quartile).
Point 71Y return: 46.05% (top quartile).1Y return: 45.86% (upper mid).1Y return: 45.78% (lower mid).1Y return: 44.83% (bottom quartile).1Y return: 45.67% (bottom quartile).
Point 81M return: -2.55% (lower mid).1M return: -2.46% (upper mid).1M return: -2.97% (bottom quartile).1M return: -2.81% (bottom quartile).1M return: -2.26% (top quartile).
Point 9Alpha: 0.00 (top quartile).Alpha: 0.00 (upper mid).Alpha: 0.00 (lower mid).Alpha: 0.00 (bottom quartile).Alpha: 0.00 (bottom quartile).
Point 10Sharpe: 1.93 (upper mid).Sharpe: 1.79 (bottom quartile).Sharpe: 1.76 (bottom quartile).Sharpe: 1.82 (lower mid).Sharpe: 2.12 (top quartile).

SBI Gold Fund

  • Highest AUM (₹16,533 Cr).
  • Established history (14+ yrs).
  • Rating: 2★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 23.02% (top quartile).
  • 3Y return: 32.95% (top quartile).
  • 1Y return: 46.05% (top quartile).
  • 1M return: -2.55% (lower mid).
  • Alpha: 0.00 (top quartile).
  • Sharpe: 1.93 (upper mid).

ICICI Prudential Regular Gold Savings Fund

  • Lower mid AUM (₹6,856 Cr).
  • Established history (14+ yrs).
  • Rating: 1★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 22.98% (upper mid).
  • 3Y return: 32.85% (upper mid).
  • 1Y return: 45.86% (upper mid).
  • 1M return: -2.46% (upper mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 1.79 (bottom quartile).

Aditya Birla Sun Life Gold Fund

  • Bottom quartile AUM (₹1,822 Cr).
  • Established history (14+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 22.87% (bottom quartile).
  • 3Y return: 32.81% (lower mid).
  • 1Y return: 45.78% (lower mid).
  • 1M return: -2.97% (bottom quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 1.76 (bottom quartile).

IDBI Gold Fund

  • Bottom quartile AUM (₹824 Cr).
  • Established history (13+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 22.91% (lower mid).
  • 3Y return: 32.76% (bottom quartile).
  • 1Y return: 44.83% (bottom quartile).
  • 1M return: -2.81% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 1.82 (lower mid).

Kotak Gold Fund

  • Upper mid AUM (₹7,065 Cr).
  • Oldest track record among peers (15 yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 22.60% (bottom quartile).
  • 3Y return: 32.69% (bottom quartile).
  • 1Y return: 45.67% (bottom quartile).
  • 1M return: -2.26% (top quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 2.12 (top quartile).

इतर म्युच्युअल फंड योजना

इंडेक्स फंड/एक्सचेंज ट्रेडेड फंड (ईटीएफ) आणिनिधीचा निधी (एफओएफ) इतर योजनांतर्गत वर्गीकृत केले आहेत.

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2025 (%)
IDBI Nifty Junior Index Fund Growth ₹53.8192
↑ 0.67 		₹1067.36.1618.113.22
ICICI Prudential Nifty Next 50 Index Fund Growth ₹63.5409
↑ 0.79 		₹9,2426.95.75.718.213.22.1
Kotak Asset Allocator Fund - FOF Growth ₹253.06
↑ 2.11 		₹2,5021.6-0.77.115.215.115.4
ICICI Prudential Advisor Series - Debt Management Fund Growth ₹47.8023
↑ 0.07 		₹1062.63.65.97.56.57.6
Franklin India Life Stage Fund Of Funds - 40s Plan Growth ₹60.0656
↑ 0.01 		₹162.29.356.95.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Jul 26

Research Highlights & Commentary of 5 Funds showcased

CommentaryIDBI Nifty Junior Index FundICICI Prudential Nifty Next 50 Index FundKotak Asset Allocator Fund - FOFICICI Prudential Advisor Series - Debt Management FundFranklin India Life Stage Fund Of Funds - 40s Plan
Point 1Bottom quartile AUM (₹106 Cr).Highest AUM (₹9,242 Cr).Upper mid AUM (₹2,502 Cr).Lower mid AUM (₹106 Cr).Bottom quartile AUM (₹16 Cr).
Point 2Established history (15+ yrs).Established history (16+ yrs).Established history (21+ yrs).Oldest track record among peers (22 yrs).Established history (22+ 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: Moderate.Risk profile: Moderately High.
Point 55Y return: 13.18% (lower mid).5Y return: 13.20% (upper mid).5Y return: 15.07% (top quartile).5Y return: 6.52% (bottom quartile).5Y return: 5.67% (bottom quartile).
Point 63Y return: 18.13% (upper mid).3Y return: 18.17% (top quartile).3Y return: 15.17% (lower mid).3Y return: 7.53% (bottom quartile).3Y return: 6.89% (bottom quartile).
Point 71Y return: 6.04% (upper mid).1Y return: 5.72% (bottom quartile).1Y return: 7.07% (top quartile).1Y return: 5.87% (lower mid).1Y return: 4.97% (bottom quartile).
Point 81M return: 5.05% (top quartile).1M return: 4.58% (upper mid).1M return: 0.77% (bottom quartile).1M return: 1.60% (lower mid).1M return: 1.02% (bottom quartile).
Point 9Alpha: -0.76 (bottom quartile).Alpha: -0.79 (bottom quartile).Alpha: 0.00 (top quartile).Alpha: 0.00 (upper mid).Alpha: 0.00 (lower mid).
Point 10Sharpe: 0.15 (upper mid).Sharpe: 0.15 (lower mid).Sharpe: 0.35 (top quartile).Sharpe: -0.93 (bottom quartile).Sharpe: -0.23 (bottom quartile).

IDBI Nifty Junior Index Fund

  • Bottom quartile AUM (₹106 Cr).
  • Established history (15+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 13.18% (lower mid).
  • 3Y return: 18.13% (upper mid).
  • 1Y return: 6.04% (upper mid).
  • 1M return: 5.05% (top quartile).
  • Alpha: -0.76 (bottom quartile).
  • Sharpe: 0.15 (upper mid).

ICICI Prudential Nifty Next 50 Index Fund

  • Highest AUM (₹9,242 Cr).
  • Established history (16+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 13.20% (upper mid).
  • 3Y return: 18.17% (top quartile).
  • 1Y return: 5.72% (bottom quartile).
  • 1M return: 4.58% (upper mid).
  • Alpha: -0.79 (bottom quartile).
  • Sharpe: 0.15 (lower mid).

Kotak Asset Allocator Fund - FOF

  • Upper mid AUM (₹2,502 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 15.07% (top quartile).
  • 3Y return: 15.17% (lower mid).
  • 1Y return: 7.07% (top quartile).
  • 1M return: 0.77% (bottom quartile).
  • Alpha: 0.00 (top quartile).
  • Sharpe: 0.35 (top quartile).

ICICI Prudential Advisor Series - Debt Management Fund

  • Lower mid AUM (₹106 Cr).
  • Oldest track record among peers (22 yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 5Y return: 6.52% (bottom quartile).
  • 3Y return: 7.53% (bottom quartile).
  • 1Y return: 5.87% (lower mid).
  • 1M return: 1.60% (lower mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: -0.93 (bottom quartile).

Franklin India Life Stage Fund Of Funds - 40s Plan

  • Bottom quartile AUM (₹16 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 5.67% (bottom quartile).
  • 3Y return: 6.89% (bottom quartile).
  • 1Y return: 4.97% (bottom quartile).
  • 1M return: 1.02% (bottom quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.23 (bottom quartile).

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SUNIL, posted on 22 May 20 8:26 PM

What is the future of mutual funds now after Covid 19, approximately how long it will take for the Sensex and Nifty to recover in January-February 2020 ?

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