एसआयपी वि आरडी

Updated on April 20, 2026 , 36975 views

गुंतवणुकीचा उत्तम पर्याय कोणता आहे?

SIP विरुद्ध आरडी?कुठे गुंतवणूक करावी चांगल्या संपत्ती निर्मितीसाठी? संपत्ती निर्माण करण्याचा अंतिम दृष्टीकोन म्हणजे दरमहा पैसे वाचवणे. सामान्यतः, एक पद्धतशीरगुंतवणूक योजना (एसआयपी) आणि एक आरडी (आवर्ती ठेव) हे भारतातील सर्वात कार्यक्षम गुंतवणूक पर्यायांपैकी दोन आहेतपैसे वाचवा दर महिन्याला. SIP आणि RD दोन्ही गुंतवणूकदारांना चांगला परतावा मिळविण्यासाठी नियमित अंतराने लहान रकमेची गुंतवणूक करण्यास सक्षम करतात. सिस्टिमॅटिक इन्व्हेस्टमेंट प्लॅन (SIP) सह, गुंतवणूकदारांना कमाईसाठी मासिक किंवा त्रैमासिक, थोड्या प्रमाणात पैसे गुंतवावे लागतात.बाजार- लिंक्ड रिटर्न. आरडी (रिकरिंग डिपॉझिट) सोबत असताना, दगुंतवणूकदार निश्चित परतावा देण्यासाठी पूर्व-निर्धारित कालावधीसाठी निश्चित रक्कम गुंतवते. आता, गुंतवणूकदार सहजपणे ए वापरून एसआयपी परताव्याची गणना करू शकतातसिप कॅल्क्युलेटर आणि RD वापरून परत करतोआरडी कॅल्क्युलेटर त्यांच्या गुंतवणुकीच्या गरजांचा अंदाज लावणे.

भारतात, काही सर्वात सोयीस्कर नियतकालिक गुंतवणूक पर्यायांमध्ये SIP, RD आणि यांचा समावेश होतोपीपीएफ (एसआयपी सर्वात लोकप्रिय आहे).

SIP Vs RD - उत्पादनाची रचना

पद्धतशीर गुंतवणूक योजना (SIP)

SIP म्हणजे एकगुंतवणूक मध्ये ठराविक रक्कम गुंतवण्याची पद्धतम्युच्युअल फंड वेळोवेळी किमान रक्कमSIP मध्ये गुंतवणूक करा INR 500 पेक्षा कमी आहे. सहसा, इक्विटीमधील SIP चांगले परतावा देतात कारण ते बाजाराशी जोडलेले असतात आणि बाजाराशी सुसंगत परतावा देऊ शकतात. विविध स्त्रोतांनुसार, दीर्घ कालावधीसाठी SIP परतावा 12% ते 22% p.a. इतका जास्त असू शकतो, जो RD (रिकरिंग डिपॉझिट) द्वारे ऑफर केलेल्या व्याजदरांपेक्षा खूप जास्त आहे. SIP (सिस्टमॅटिक इन्व्हेस्टमेंट प्लॅन) चा एकमात्र तोटा असा आहे की SIP परतावा अस्थिर असतो कारण ते बाजाराशी निगडीत असतात, त्यामुळे जोखीमघटक खूप जास्त आहे. तथापि, दीर्घ मुदतीसाठी गुंतवणूक केल्यावर, SIP चा चांगला परतावा देतात असे मानले जाते.

आवर्ती ठेव (RD)

आवर्ती ठेव किंवा आरडी ही एक गुंतवणूक योजना आहे ज्यामध्ये गुंतवणूकदाराने गुंतवणूक करण्यापूर्वी गुंतवणूकीची रक्कम आणि गुंतवणुकीचा कालावधी निवडावा लागतो. RD अंतर्गत, गुंतवणूकदाराला काही व्याज आणि गुंतवलेली रक्कम मिळविण्यासाठी निवडलेल्या कालावधीत मासिक गुंतवणूक करावी लागते. साधारणपणे, RD चा व्याज दर 7% ते 9% p.a पर्यंत बदलतो. आणि परिणामी ज्येष्ठ नागरिकांसाठी जास्त आहे. फिक्स्ड डिपॉझिट आणि एसआयपी पेक्षा आरडी रिटर्न रेट खूपच कमी आहे कारण आरडीला फक्त पहिल्या ठेवीवर संपूर्ण 12 महिन्यांचे व्याज मिळते. आरडीमधील दुसऱ्या ठेवीवर, 11 महिन्यांसाठी, तिसऱ्या ठेवीवर 10 महिन्यांसाठी व्याज मिळते. तर, RD मध्ये कोणतेही चक्रवाढ फायदे नाहीत, उलटएफडी आणि SIP. आरडी रिटर्न्स निश्चित आहेत आणि आरडी कॅल्क्युलेटर वापरून सहजपणे मोजले जाऊ शकतात. आवर्ती ठेवीचा मोठा तोटा म्हणजे ती करक्षम नसते. व्याजावर TDS (टॅक्स डिडक्टेड अॅट सोर्स) लागू होतोउत्पन्न आरडी कडून

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टॉप 7 परफॉर्मिंग बॅलन्स्ड फंड एसआयपी

म्हणूनसंतुलित निधी पेक्षा कमी धोकादायक आहेइक्विटी म्युच्युअल फंड, बॅलन्स्ड फंड्स विस्तारित कालावधीत स्थिर परतावा देऊ शकतात. खालील फंडांची यादी मागील ३ वर्षांच्या वार्षिक परताव्यावर आधारित आहे (CAGR) आणि निव्वळ संपत्ती असलेले निधी500 कोटी आणि निधी वय > 3 वर्षे.

1. BOI AXA Mid and Small Cap Equity and Debt Fund

(Erstwhile BOI AXA Mid Cap Equity And Debt Fund)

The scheme's objective is to provide capital appreciation and income distribution to investors from a portfolio constituting of mid cap equity and equity related securities as well as fixed income securities.However there can be no assurance that the investment objectives of the Scheme will be realized

Research Highlights for BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,282 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 18.11% (upper mid).
3Y return: 20.60% (top quartile).
1Y return: 11.87% (upper mid).
1M return: 10.16% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.22 (lower mid).
Information ratio: 0.00 (upper mid).
Top sector: Financial Services.
Top bond sector: Government.
Equity-heavy allocation (~78%).
High-quality debt (AAA/AA ~100%).
Largest holding Abbott India Ltd (~3.0%).

Below is the key information for BOI AXA Mid and Small Cap Equity and Debt Fund

BOI AXA Mid and Small Cap Equity and Debt Fund Growth
Launch Date	20 Jul 16
NAV (22 Apr 26)	₹40.24 ↑ 0.21 (0.52 %)
Net Assets (Cr)	₹1,282 on 31 Mar 26
Category	Hybrid - Hybrid Equity
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	2.27
Sharpe Ratio	-0.22
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹13,441
31 Mar 23	₹12,955
31 Mar 24	₹18,917
31 Mar 25	₹20,174
31 Mar 26	₹20,614

BOI AXA Mid and Small Cap Equity and Debt Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656 Invest Now

Returns for BOI AXA Mid and Small Cap Equity and Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 26

Duration	Returns
1 Month	10.2%
3 Month	8.6%
6 Month	5.7%
1 Year	11.9%
3 Year	20.6%
5 Year	18.1%
10 Year
15 Year
Since launch	15.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-0.9%
2023	25.8%
2022	33.7%
2021	-4.8%
2020	54.5%
2019	31.1%
2018	-4.7%
2017	-14.2%
2016	47.1%
2015

Fund Manager information for BOI AXA Mid and Small Cap Equity and Debt Fund

Name	Since	Tenure
Alok Singh	16 Feb 17	9.13 Yr.

Data below for BOI AXA Mid and Small Cap Equity and Debt Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	8.83%
Equity	77.56%
Debt	13.62%

Equity Sector Allocation

Sector	Value
Financial Services	16.65%
Industrials	15.04%
Basic Materials	13.2%
Health Care	11.96%
Consumer Cyclical	10.74%
Consumer Defensive	3.59%
Technology	3.22%
Energy	1.24%
Utility	0.86%
Real Estate	0.54%
Communication Services	0.52%

Debt Sector Allocation

Sector	Value
Government	8.34%
Corporate	7.79%
Cash Equivalent	6.32%

Credit Quality

Rating	Value
AA	1.65%
AAA	98.35%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Abbott India Ltd (Healthcare) Equity, Since 31 Jan 23 \| ABBOTINDIA	3%	₹39 Cr	15,000
UNO Minda Ltd (Consumer Cyclical) Equity, Since 31 Jul 19 \| UNOMINDA	3%	₹34 Cr	331,037 ↑ 69,415
Indian Bank (Financial Services) Equity, Since 31 Aug 23 \| 532814	3%	₹32 Cr	380,000 ↑ 30,000
Glenmark Pharmaceuticals Ltd (Healthcare) Equity, Since 31 Jul 25 \| 532296	2%	₹32 Cr	150,000
Aurobindo Pharma Ltd (Healthcare) Equity, Since 31 Jan 26 \| AUROPHARMA	2%	₹31 Cr	240,000
Lloyds Metals & Energy Ltd (Basic Materials) Equity, Since 28 Feb 25 \| 512455	2%	₹28 Cr	221,723 ↑ 35,030
Bharat Dynamics Ltd Ordinary Shares (Industrials) Equity, Since 31 Jul 24 \| BDL	2%	₹27 Cr	242,000
Eris Lifesciences Ltd Registered Shs (Healthcare) Equity, Since 31 Jul 23 \| ERIS	2%	₹26 Cr	202,783
JK Cement Ltd (Basic Materials) Equity, Since 31 Aug 22 \| JKCEMENT	2%	₹26 Cr	51,000 ↑ 7,000
Jindal Stainless Ltd (Basic Materials) Equity, Since 30 Sep 21 \| JSL	2%	₹26 Cr	359,000 ↑ 73,000

2. ICICI Prudential Multi-Asset Fund

(Erstwhile ICICI Prudential Dynamic Plan)

To generate capital appreciation by actively investing in equity and equity related securities. For defensive considerations, the Scheme may invest in debt, money market instruments and derivatives. The investment manager will have the discretion to take aggressive asset calls i.e. by staying 100% invested in equity market/equity related instruments at a given point of time and 0% at another, in which case, the fund may be invested in debt related instruments at its discretion. The AMC may choose to churn the portfolio of the Scheme in order to achieve the investment objective. The Scheme is suitable for investors seeking high returns and for those who are willing to take commensurate risks.

Research Highlights for ICICI Prudential Multi-Asset Fund

Upper mid AUM (₹77,658 Cr).
Established history (23+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.88% (top quartile).
3Y return: 19.03% (upper mid).
1Y return: 11.17% (upper mid).
1M return: 5.48% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.01 (upper mid).
Information ratio: 0.00 (lower mid).
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~67%).
High-quality debt (AAA/AA ~99%).
Largest holding ICICI Pru Gold ETF (~9.2%).

Below is the key information for ICICI Prudential Multi-Asset Fund

ICICI Prudential Multi-Asset Fund Growth
Launch Date	31 Oct 02
NAV (21 Apr 26)	₹815.897 ↑ 4.43 (0.55 %)
Net Assets (Cr)	₹77,658 on 31 Mar 26
Category	Hybrid - Multi Asset
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.47
Sharpe Ratio	-0.01
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹13,110
31 Mar 23	₹14,472
31 Mar 24	₹19,185
31 Mar 25	₹21,737
31 Mar 26	₹22,851

ICICI Prudential Multi-Asset Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for ICICI Prudential Multi-Asset Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 26

Duration	Returns
1 Month	5.5%
3 Month	0.3%
6 Month	1.8%
1 Year	11.2%
3 Year	19%
5 Year	19.9%
10 Year
15 Year
Since launch	20.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	18.6%
2023	16.1%
2022	24.1%
2021	16.8%
2020	34.7%
2019	9.9%
2018	7.7%
2017	-2.2%
2016	28.2%
2015	12.5%

Fund Manager information for ICICI Prudential Multi-Asset Fund

Name	Since	Tenure
Sankaran Naren	1 Feb 12	14.17 Yr.
Manish Banthia	22 Jan 24	2.19 Yr.
Ihab Dalwai	3 Jun 17	8.83 Yr.
Akhil Kakkar	22 Jan 24	2.19 Yr.
Sri Sharma	30 Apr 21	4.92 Yr.
Gaurav Chikane	2 Aug 21	4.67 Yr.
Sharmila D'Silva	31 Jul 22	3.67 Yr.
Masoomi Jhurmarvala	4 Nov 24	1.41 Yr.

Data below for ICICI Prudential Multi-Asset Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	14.63%
Equity	66.61%
Debt	9.33%
Other	9.42%

Equity Sector Allocation

Sector	Value
Financial Services	21.55%
Consumer Cyclical	12.38%
Consumer Defensive	6.41%
Industrials	6.24%
Basic Materials	5.48%
Technology	5.24%
Health Care	4.02%
Energy	3.3%
Utility	2.38%
Real Estate	2.31%
Communication Services	2.15%

Debt Sector Allocation

Sector	Value
Cash Equivalent	12.37%
Corporate	7.1%
Government	4.5%

Credit Quality

Rating	Value
A	1.16%
AA	16.55%
AAA	82.29%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Pru Gold ETF - \| -	9%	₹7,167 Cr	571,818,912
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jan 22 \| HDFCBANK	5%	₹3,578 Cr	48,906,515 ↑ 13,750,235
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 06 \| ICICIBANK	3%	₹2,570 Cr	21,315,375
Bajaj Finserv Ltd (Financial Services) Equity, Since 31 Jan 24 \| 532978	3%	₹2,038 Cr	12,489,665 ↑ 3,369,067
Axis Bank Ltd (Financial Services) Equity, Since 31 Dec 20 \| 532215	2%	₹1,939 Cr	16,696,289 ↑ 881,522
Infosys Ltd (Technology) Equity, Since 31 Oct 19 \| INFY	2%	₹1,918 Cr	15,335,773 ↑ 1,633,672
InterGlobe Aviation Ltd (Industrials) Equity, Since 28 Feb 23 \| INDIGO	2%	₹1,773 Cr	4,496,856 ↑ 740,812
ITC Ltd (Consumer Defensive) Equity, Since 31 Mar 24 \| ITC	2%	₹1,688 Cr	58,664,918
Reliance Industries Ltd (Energy) Equity, Since 31 Dec 20 \| RELIANCE	2%	₹1,678 Cr	12,484,292 ↓ -2,365,513
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Aug 21 \| MARUTI	2%	₹1,403 Cr	1,140,477 ↑ 92,641

3. ICICI Prudential Equity and Debt Fund

(Erstwhile ICICI Prudential Balanced Fund)

To generate long term capital appreciation and current income from a portfolio that is invested in equity and equity related securities as well as in fixed income securities.

Research Highlights for ICICI Prudential Equity and Debt Fund

Upper mid AUM (₹46,700 Cr).
Established history (26+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 19.18% (upper mid).
3Y return: 18.90% (upper mid).
1Y return: 6.83% (lower mid).
1M return: 5.32% (lower mid).
Alpha: 2.02 (top quartile).
Sharpe: -0.33 (lower mid).
Information ratio: 1.81 (top quartile).
Top sector: Financial Services.
Top bond sector: Corporate.
Equity-heavy allocation (~78%).
High-quality debt (AAA/AA ~98%).
Largest holding NTPC Ltd (~5.2%).

Below is the key information for ICICI Prudential Equity and Debt Fund

ICICI Prudential Equity and Debt Fund Growth
Launch Date	3 Nov 99
NAV (22 Apr 26)	₹405.22 ↓ -0.74 (-0.18 %)
Net Assets (Cr)	₹46,700 on 31 Mar 26
Category	Hybrid - Hybrid Equity
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.6
Sharpe Ratio	-0.33
Information Ratio	1.81
Alpha Ratio	2.02
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹13,315
31 Mar 23	₹14,068
31 Mar 24	₹19,851
31 Mar 25	₹21,726
31 Mar 26	₹22,101

ICICI Prudential Equity and Debt Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for ICICI Prudential Equity and Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 26

Duration	Returns
1 Month	5.3%
3 Month	1%
6 Month	-0.9%
1 Year	6.8%
3 Year	18.9%
5 Year	19.2%
10 Year
15 Year
Since launch	15%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	13.3%
2023	17.2%
2022	28.2%
2021	11.7%
2020	41.7%
2019	9%
2018	9.3%
2017	-1.9%
2016	24.8%
2015	13.7%

Fund Manager information for ICICI Prudential Equity and Debt Fund

Name	Since	Tenure
Sankaran Naren	7 Dec 15	10.32 Yr.
Manish Banthia	19 Sep 13	12.54 Yr.
Mittul Kalawadia	29 Dec 20	5.26 Yr.
Akhil Kakkar	22 Jan 24	2.19 Yr.
Sri Sharma	30 Apr 21	4.92 Yr.
Sharmila D'Silva	31 Jul 22	3.67 Yr.
Nitya Mishra	4 Nov 24	1.41 Yr.

Data below for ICICI Prudential Equity and Debt Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	6.74%
Equity	77.78%
Debt	15.44%

Equity Sector Allocation

Sector	Value
Financial Services	18.33%
Consumer Cyclical	10.7%
Consumer Defensive	7.5%
Industrials	7.38%
Energy	7.15%
Health Care	6.4%
Utility	5.96%
Technology	5.49%
Real Estate	3.01%
Communication Services	2.4%
Basic Materials	2.23%

Debt Sector Allocation

Sector	Value
Corporate	10.8%
Government	8.55%
Cash Equivalent	2.87%

Credit Quality

Rating	Value
A	1.64%
AA	17.56%
AAA	80.8%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
NTPC Ltd (Utilities) Equity, Since 28 Feb 17 \| 532555	5%	₹2,437 Cr	65,759,814 ↓ -1,300,745
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 22 \| RELIANCE	5%	₹2,400 Cr	17,861,065 ↓ -277,844
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jul 12 \| ICICIBANK	5%	₹2,341 Cr	19,413,840
HDFC Bank Ltd (Financial Services) Equity, Since 30 Apr 21 \| HDFCBANK	5%	₹2,334 Cr	31,909,139 ↑ 5,428,174
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 31 May 16 \| SUNPHARMA	5%	₹2,119 Cr	12,056,468 ↓ -87,755
TVS Motor Co Ltd (Consumer Cyclical) Equity, Since 28 Feb 18 \| 532343	3%	₹1,339 Cr	3,981,427
Avenue Supermarts Ltd (Consumer Defensive) Equity, Since 31 Jan 23 \| 540376	3%	₹1,254 Cr	3,168,463 ↓ -50,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 21 \| 532215	3%	₹1,243 Cr	10,707,447
InterGlobe Aviation Ltd (Industrials) Equity, Since 28 Feb 23 \| INDIGO	2%	₹1,055 Cr	2,675,996 ↑ 140,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Mar 24 \| TCS	2%	₹979 Cr	4,151,035 ↑ 550,000

4. UTI Multi Asset Fund

(Erstwhile UTI Wealth Builder Fund)

The objective of the Scheme is to achieve long term capital appreciation by investing predominantly in a diversified portfolio of equity and equity related instruments along with investments in Gold ETFs and Debt and Money Market Instruments. However, there can be no assurance that the investment objective of the Scheme will be achieved.

Research Highlights for UTI Multi Asset Fund

Lower mid AUM (₹6,379 Cr).
Established history (17+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 14.39% (bottom quartile).
3Y return: 18.89% (lower mid).
1Y return: 8.36% (lower mid).
1M return: 5.04% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.15 (upper mid).
Information ratio: 0.00 (lower mid).
Top sector: Financial Services.
Top bond sector: Government.
Equity-heavy allocation (~69%).
High-quality debt (AAA/AA ~100%).
Largest holding UTI Gold ETF (~14.6%).

Below is the key information for UTI Multi Asset Fund

UTI Multi Asset Fund Growth
Launch Date	21 Oct 08
NAV (22 Apr 26)	₹78.082 ↓ -0.49 (-0.63 %)
Net Assets (Cr)	₹6,379 on 31 Mar 26
Category	Hybrid - Multi Asset
AMC	UTI Asset Management Company Ltd
Rating	☆
Risk	Moderately High
Expense Ratio	1.79
Sharpe Ratio	-0.15
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹10,999
31 Mar 23	₹11,528
31 Mar 24	₹16,109
31 Mar 25	₹17,493
31 Mar 26	₹18,071

UTI Multi Asset Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for UTI Multi Asset Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 26

Duration	Returns
1 Month	5%
3 Month	-1.6%
6 Month	-0.3%
1 Year	8.4%
3 Year	18.9%
5 Year	14.4%
10 Year
15 Year
Since launch	12.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	11.1%
2023	20.7%
2022	29.1%
2021	4.4%
2020	11.8%
2019	13.1%
2018	3.9%
2017	-0.5%
2016	17.1%
2015	7.3%

Fund Manager information for UTI Multi Asset Fund

Name	Since	Tenure
Sharwan Kumar Goyal	12 Nov 21	4.39 Yr.
Jaydeep Bhowal	1 Oct 24	1.5 Yr.

Data below for UTI Multi Asset Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	6.2%
Equity	69.12%
Debt	10.27%
Other	14.41%

Equity Sector Allocation

Sector	Value
Financial Services	16.56%
Technology	10.17%
Consumer Cyclical	9.12%
Consumer Defensive	8.63%
Industrials	5.7%
Basic Materials	4.92%
Health Care	3.78%
Real Estate	3.67%
Energy	3.51%
Communication Services	3.06%

Debt Sector Allocation

Sector	Value
Government	7.78%
Cash Equivalent	6.19%
Corporate	2.5%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
UTI Gold ETF - \| -	15%	₹928 Cr	75,761,481 ↓ -187,888
State Bank of India (Financial Services) Equity, Since 31 Oct 25 \| SBIN	3%	₹180 Cr	1,842,246 ↑ 125,516
Coal India Ltd (Energy) Equity, Since 31 Oct 22 \| COALINDIA	2%	₹151 Cr	3,341,545
Asian Paints Ltd (Basic Materials) Equity, Since 31 Oct 24 \| 500820	2%	₹145 Cr	671,457
Infosys Ltd (Technology) Equity, Since 31 Mar 24 \| INFY	2%	₹144 Cr	1,147,926
ITC Ltd (Consumer Defensive) Equity, Since 31 Oct 22 \| ITC	2%	₹143 Cr	4,977,387 ↑ 132,551
Nestle India Ltd (Consumer Defensive) Equity, Since 29 Feb 24 \| NESTLEIND	2%	₹134 Cr	1,142,201
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 24 \| BHARTIARTL	2%	₹133 Cr	748,429 ↑ 11,037
HDFC Bank Ltd (Financial Services) Equity, Since 30 Apr 25 \| HDFCBANK	2%	₹129 Cr	1,769,452 ↑ 261,723
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Oct 23 \| MARUTI	2%	₹125 Cr	101,405 ↑ 12,249

5. SBI Multi Asset Allocation Fund

(Erstwhile SBI Magnum Monthly Income Plan Floater)

To provide regular income, liquidity and attractive returns to investors in addition to mitigating the impact of interest rate risk through an actively managed portfolio of floating rate and fixed rate debt instruments, equity, money market instruments and derivatives.

Research Highlights for SBI Multi Asset Allocation Fund

Lower mid AUM (₹16,150 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
5Y return: 14.77% (bottom quartile).
3Y return: 18.06% (lower mid).
1Y return: 17.01% (top quartile).
1M return: 3.66% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.73 (top quartile).
Information ratio: 0.00 (bottom quartile).
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
High-quality debt (AAA/AA ~97%).
Largest holding SBI Gold ETF (~6.2%).

Below is the key information for SBI Multi Asset Allocation Fund

SBI Multi Asset Allocation Fund Growth
Launch Date	21 Dec 05
NAV (22 Apr 26)	₹66.1186 ↓ -0.10 (-0.16 %)
Net Assets (Cr)	₹16,150 on 31 Mar 26
Category	Hybrid - Multi Asset
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.46
Sharpe Ratio	0.73
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹11,389
31 Mar 23	₹11,969
31 Mar 24	₹15,185
31 Mar 25	₹16,774
31 Mar 26	₹18,978

SBI Multi Asset Allocation Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for SBI Multi Asset Allocation Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 26

Duration	Returns
1 Month	3.7%
3 Month	0%
6 Month	5.2%
1 Year	17%
3 Year	18.1%
5 Year	14.8%
10 Year
15 Year
Since launch	9.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	18.6%
2023	12.8%
2022	24.4%
2021	6%
2020	13%
2019	14.2%
2018	10.6%
2017	0.4%
2016	10.9%
2015	8.7%

Fund Manager information for SBI Multi Asset Allocation Fund

Name	Since	Tenure
Dinesh Balachandran	31 Oct 21	4.42 Yr.
Mansi Sajeja	1 Dec 23	2.33 Yr.
Vandna Soni	1 Jan 24	2.25 Yr.

Data below for SBI Multi Asset Allocation Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	10.64%
Equity	47.32%
Debt	31.56%
Other	10.48%

Equity Sector Allocation

Sector	Value
Financial Services	10.8%
Energy	5.02%
Consumer Cyclical	4.96%
Real Estate	4.94%
Basic Materials	4.14%
Utility	4.01%
Health Care	2.67%
Technology	2.26%
Consumer Defensive	2%
Communication Services	1.51%
Industrials	1.42%

Debt Sector Allocation

Sector	Value
Corporate	23.66%
Cash Equivalent	9.63%
Government	8.91%

Credit Quality

Rating	Value
A	3.13%
AA	45.6%
AAA	51.27%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
SBI Gold ETF - \| -	6%	₹1,008 Cr	80,591,000 ↑ 14,000,000
SBI Silver ETF - \| -	4%	₹715 Cr	32,296,178
Nifty Index 28-04-2026 Derivatives, Since 31 Mar 26 \| -	4%	₹581 Cr	258,895 ↑ 258,895
Brookfield India Real Estate Trust (Real Estate) -, Since 30 Apr 25 \| BIRET	3%	₹491 Cr	15,164,234
Madhya Pradesh (Government of) 7.56% - \| -	2%	₹368 Cr	37,500,000 ↓ -2,500,000
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 15 Apr 24 \| 500312	2%	₹327 Cr	11,500,000
GAIL (India) Ltd (Utilities) Equity, Since 31 Mar 21 \| 532155	2%	₹322 Cr	23,350,297
Adani Power Limited Debentures \| -	2%	₹298 Cr	30,000
Bandhan Bank Ltd (Financial Services) Equity, Since 30 Sep 24 \| BANDHANBNK	2%	₹290 Cr	20,500,000
Jtpm Metal TRaders Limited Debentures \| -	2%	₹259 Cr	25,000

6. JM Equity Hybrid Fund

(Erstwhile JM Balanced Fund)

To provide steady current income as well as long term growth of capital.

Research Highlights for JM Equity Hybrid Fund

Bottom quartile AUM (₹652 Cr).
Oldest track record among peers (31 yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.21% (lower mid).
3Y return: 17.52% (bottom quartile).
1Y return: -0.76% (bottom quartile).
1M return: 7.11% (upper mid).
Alpha: -5.37 (bottom quartile).
Sharpe: -0.95 (bottom quartile).
Information ratio: 0.45 (upper mid).
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Equity-heavy allocation (~75%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~4.2%).

Below is the key information for JM Equity Hybrid Fund

JM Equity Hybrid Fund Growth
Launch Date	1 Apr 95
NAV (22 Apr 26)	₹116.371 ↓ -0.31 (-0.27 %)
Net Assets (Cr)	₹652 on 31 Mar 26
Category	Hybrid - Hybrid Equity
AMC	JM Financial Asset Management Limited
Rating	☆
Risk	Moderately High
Expense Ratio	2.3
Sharpe Ratio	-0.95
Information Ratio	0.45
Alpha Ratio	-5.37
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-60 Days (1%),60 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹11,498
31 Mar 23	₹12,169
31 Mar 24	₹18,130
31 Mar 25	₹19,398
31 Mar 26	₹18,103

JM Equity Hybrid Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 Invest Now

Returns for JM Equity Hybrid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 26

Duration	Returns
1 Month	7.1%
3 Month	-0.4%
6 Month	-5.4%
1 Year	-0.8%
3 Year	17.5%
5 Year	15.2%
10 Year
15 Year
Since launch	12.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-3.1%
2023	27%
2022	33.8%
2021	8.1%
2020	22.9%
2019	30.5%
2018	-8.1%
2017	1.7%
2016	18.5%
2015	3%

Fund Manager information for JM Equity Hybrid Fund

Name	Since	Tenure
Satish Ramanathan	1 Oct 24	1.5 Yr.
Asit Bhandarkar	31 Dec 21	4.25 Yr.
Ruchi Fozdar	4 Oct 24	1.49 Yr.
Deepak Gupta	11 Apr 25	0.97 Yr.

Data below for JM Equity Hybrid Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	6.37%
Equity	74.98%
Debt	18.66%

Equity Sector Allocation

Sector	Value
Financial Services	24.26%
Consumer Cyclical	11.67%
Technology	11.18%
Industrials	10.54%
Basic Materials	4.23%
Health Care	4.16%
Communication Services	3.71%
Consumer Defensive	2.41%
Energy	1.9%
Utility	0.88%
Real Estate	0.04%

Debt Sector Allocation

Sector	Value
Corporate	12.82%
Government	9.54%
Cash Equivalent	2.66%

Credit Quality

Rating	Value
AA	12.89%
AAA	87.11%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Jun 24 \| HDFCBANK	4%	₹31 Cr	350,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 May 21 \| LT	4%	₹27 Cr	64,000 ↓ -14,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 24 \| BHARTIARTL	4%	₹27 Cr	145,246
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Jan 25 \| BAJFINANCE	4%	₹27 Cr	270,040 ↓ -15,000
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 31 May 25 \| MCX	3%	₹23 Cr	95,380 ↓ -44,000
Ujjivan Small Finance Bank Ltd Ordinary Shares (Financial Services) Equity, Since 31 Jan 25 \| UJJIVANSFB	3%	₹23 Cr	3,968,585 ↓ -1,505,780
6.48% Gs 2035 Sovereign Bonds \| -	3%	₹21 Cr	2,175,000 ↑ 100,000
Vedanta Ltd (Basic Materials) Equity, Since 31 Mar 25 \| VEDL	3%	₹20 Cr	280,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 25 \| AXISBANK	3%	₹19 Cr	134,516
Canara Bank (Financial Services) Equity, Since 30 Sep 25 \| CANBK	2%	₹18 Cr	1,129,319 ↓ -100,000

7. HDFC Balanced Advantage Fund

(Erstwhile HDFC Growth Fund and HDFC Prudence Fund)

Aims to generate long term capital appreciation from a portfolio that is invested predominantly in equity and equity related instruments.

Research Highlights for HDFC Balanced Advantage Fund

Highest AUM (₹98,458 Cr).
Established history (25+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.75% (lower mid).
3Y return: 16.58% (bottom quartile).
1Y return: 3.75% (bottom quartile).
1M return: 4.53% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.60 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Equity-heavy allocation (~71%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~4.8%).

Below is the key information for HDFC Balanced Advantage Fund

HDFC Balanced Advantage Fund Growth
Launch Date	11 Sep 00
NAV (22 Apr 26)	₹520.62 ↓ -1.94 (-0.37 %)
Net Assets (Cr)	₹98,458 on 31 Mar 26
Category	Hybrid - Dynamic Allocation
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.36
Sharpe Ratio	-0.6
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹12,104
31 Mar 23	₹13,710
31 Mar 24	₹19,146
31 Mar 25	₹20,793
31 Mar 26	₹20,503

HDFC Balanced Advantage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 Invest Now

Returns for HDFC Balanced Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 26

Duration	Returns
1 Month	4.5%
3 Month	-0.7%
6 Month	-1.7%
1 Year	3.8%
3 Year	16.6%
5 Year	17.7%
10 Year
15 Year
Since launch	17.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	16.7%
2022	31.3%
2021	18.8%
2020	26.4%
2019	7.6%
2018	6.9%
2017	-3.1%
2016	27.9%
2015	9.4%

Fund Manager information for HDFC Balanced Advantage Fund

Name	Since	Tenure
Anil Bamboli	29 Jul 22	3.68 Yr.
Gopal Agrawal	29 Jul 22	3.68 Yr.
Arun Agarwal	6 Oct 22	3.49 Yr.
Srinivasan Ramamurthy	29 Jul 22	3.68 Yr.
Dhruv Muchhal	22 Jun 23	2.78 Yr.
Nandita Menezes	29 Mar 25	1.01 Yr.

Data below for HDFC Balanced Advantage Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	4.15%
Equity	71.07%
Debt	24.78%

Equity Sector Allocation

Sector	Value
Financial Services	24.04%
Industrials	8.07%
Energy	7.52%
Consumer Cyclical	7.42%
Technology	5.66%
Health Care	4.44%
Utility	4.37%
Communication Services	3.16%
Basic Materials	2.39%
Consumer Defensive	2.2%
Real Estate	1.78%

Debt Sector Allocation

Sector	Value
Corporate	12.81%
Government	12.45%
Cash Equivalent	3.66%

Credit Quality

Rating	Value
AA	0.92%
AAA	99.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	5%	₹5,136 Cr	37,244,463 ↑ 5,000,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 22 \| HDFCBANK	4%	₹4,837 Cr	54,490,502 ↑ 3,000,000
State Bank of India (Financial Services) Equity, Since 31 May 07 \| SBIN	4%	₹4,206 Cr	35,000,000
Reliance Industries Ltd (Energy) Equity, Since 31 Dec 21 \| RELIANCE	4%	₹4,039 Cr	28,973,065 ↑ 901,323
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Aug 20 \| BHARTIARTL	3%	₹3,039 Cr	16,172,037 ↑ 1,000,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 12 \| LT	3%	₹2,815 Cr	6,579,083
Axis Bank Ltd (Financial Services) Equity, Since 31 Aug 17 \| AXISBANK	3%	₹2,744 Cr	19,825,582
NTPC Ltd (Utilities) Equity, Since 31 Aug 16 \| NTPC	2%	₹2,425 Cr	63,500,000
7.18% Gs 2033 Sovereign Bonds \| -	2%	₹2,255 Cr	218,533,300
Infosys Ltd (Technology) Equity, Since 31 Oct 09 \| INFY	2%	₹2,115 Cr	16,266,004

एसआयपी वि आरडी: आरडी किंवा एसआयपी कोणते चांगले आहे?

आवर्ती ठेव आणि SIP मधील फरक

येथे वापरलेले घटक म्हणजे परताव्याचा दर,तरलता, कर आकारणी, अस्थिरता, जोखीम घटक इ.

घटक	आवर्ती ठेव (RD)	पद्धतशीर गुंतवणूक योजना (SIP)
परताव्याचा दर	SIP रिटर्न्स हे मार्केट-लिंक्ड असतात आणि फंडाच्या प्रकारावर आणि फंडाच्या कामगिरीनुसार बदलू शकतात. तथापि, दीर्घ कालावधीसाठी गुंतवणूक केल्यास SIP चा परतावा चांगला असतो.	RD चा परतावा दर त्याच्यामुळे निश्चित केला जातोस्थिर व्याज दर. त्यामुळे या गुंतवणुकीवर बाजारातील अस्थिरतेचा कोणताही परिणाम होत नाही.
गुंतवणूक योजना	आरडी स्कीममध्ये, तुम्हाला एका ठेव योजनेत गुंतवणूक करावी लागेल जी तुम्हाला निश्चित दर परतावा देईल. जर तुम्ही अधिक लवचिकता शोधत असाल तर तुम्ही लवचिक आवर्ती ठेव योजना देखील निवडू शकता.	म्युच्युअल फंडासाठी एसआयपीमध्ये, तुम्ही तुमच्या जोखीम क्षमतेनुसार डेट किंवा इक्विटी प्रकारातील फंड निवडू शकता.
गुंतवणुकीचा प्रकार	आवर्ती ठेव योजनेत, गुंतवणूकदाराला दरमहा एक निश्चित रक्कम जमा करावी लागते.	सिस्टिमॅटिक इन्व्हेस्टमेंट प्लॅन हा तुमचा पैसा म्युच्युअल फंडांवर टाकण्याचा एक मार्ग आहे. नियतकालिक गुंतवणूक करता येतेआधार - दररोज, साप्ताहिक, मासिक किंवा त्रैमासिक.
तरलता	लाSIP रद्द करा, गुंतवणूकदार त्यांची गुंतवणूक बंद करू शकतात आणि कोणत्याही दंडात्मक शुल्काशिवाय त्यांचे पैसे काढू शकतात.	आरडीच्या बाबतीत, मुदतपूर्व पैसे काढणे किंवा गुंतवणूक बंद केल्याने दंड आकारला जाईल.
कर आकारणी	आवर्ती ठेव रक्कम किंवा त्यावर मिळणारे व्याज करातून सूट मिळत नाही.	जेव्हा इक्विटी लिंक्ड सेव्हिंग स्कीम (ELSS) निधी.
अस्थिरता	मार्केट-लिंक्ड असल्यामुळे, SIP रिटर्न्स अस्थिर असतात आणि ते फंडानुसार बदलू शकतात.	आरडी परतावा निश्चित असतो आणि त्यामुळे ही अस्थिर गुंतवणूक नसते.
जोखीम घटक	आरडी गुंतवणुकीत जोखीम घटक जवळजवळ शून्य असतो कारण परतावा निश्चित असतो. ही सर्वात सुरक्षित गुंतवणूक आहे.	एसआयपी मधील जोखीम आरडी पेक्षा जास्त आहे, कारण एसआयपी रिटर्न स्टॉक मार्केटवर अवलंबून आहे आणिमालमत्ता वाटप.
गुंतवणूक ध्येय	आवर्ती ठेवी सहसा अल्पकालीन बचतीचे उद्दिष्ट पूर्ण करतात आणि दीर्घकालीन संपत्ती वाढीस मदत करत नाहीत.	एसआयपी सर्व प्रकारच्या गुंतवणुकीच्या उद्दिष्टांमध्ये मदत करू शकतात, मग ते अल्पकालीन असो किंवा दीर्घकालीन, गुंतवणुकीची वारंवारता, निवडलेला निधी आणि इतर घटकांवर अवलंबून.
हप्ता वारंवारता	आवर्ती ठेव सहसा मासिक हप्त्यांसह येते	एसआयपी दैनिक, साप्ताहिक, मासिक, त्रैमासिक इत्यादी लवचिक हप्ते योजना देतात.

मूल्यमापन: SIP Vs RD चे रिटर्न

गुंतवणुकीचा चांगला पर्याय कोणता आहे- एसआयपी वि आरडी? या प्रश्नाचे उत्तर प्रत्येक व्यक्तीच्या वैयक्तिक गरजांनुसार बदलू शकते. तुम्हाला माहिती आहेच की, RD परतावा निश्चित असताना SIP परतावा बदलू शकतो, जर एखाद्याने INR 1 ची गुंतवणूक केली तर गुंतवणूक किती वाढते ते पाहूया,000 1 वर्षासाठी (12 महिने) RD आणि SIP दोन्हीमध्ये.

आरडी रिटर्न कॅल्क्युलेटर

RD व्याज दर प्रत्येक वेळी बदलू शकतातबँक, परंतु साधारणपणे, व्याज दर 7% ते 9% p.a. पर्यंत असतो. व्याज दर 8% आहे असे गृहीत धरून, 12 महिन्यांसाठी मासिक INR 1,000 च्या RD गुंतवणुकीतील वाढीचे विश्लेषण करूया.

एसआयपी रिटर्न कॅल्क्युलेटर

SIP व्याज दर 12% आहे असे गृहीत धरून, तुम्ही 1 वर्षासाठी मासिक INR 1000 ची गुंतवणूक केल्यास तुमचा SIP कसा वाढतो याचे निरीक्षण करूया.कंपाउंडिंगची शक्ती.

शेवटी, गुंतवणूकदारांसाठी येथे काही अंतिम टिपा आहेत.

तुम्ही जोखीम-प्रतिरोधक गुंतवणूकदार असाल, तर आरडी किंवा आवर्ती ठेव हा एक चांगला पर्याय आहे. आरडी व्याज दर आणि परतावा आधीपासून मर्यादित आहेत आणि सामान्यतः फार जास्त नसतात, 7-9% p.a पासून बदलू शकतात.
जर तुम्हाला थोडीशी जोखीम घ्यायची असेल, तर दीर्घकालीन गुंतवणुकीसाठी एसआयपी हा सर्वोत्तम गुंतवणूक पर्यायांपैकी एक आहे. विश्लेषणानुसार, SIPs चांगले परतावा देतात आणि व्याज दर सामान्यतः जास्त असतात, 15% p.a. पेक्षा जास्त. काही बाबतीत.
5 वर्षांसाठी गुंतवणूक करताना, निश्चित परतावा शोधणाऱ्या गुंतवणूकदारांसाठी RD हा एक सुरक्षित पर्याय आहे.
तथापि, विशिष्ट कालावधीसाठी (5 वर्षांपेक्षा जास्त) गुंतवणूक करतानाआर्थिक ध्येय, SIP चांगले परतावा देते आणि पैशाची वाढ जास्त असते.

"एसआयपीद्वारे इक्विटीमध्ये गुंतवणूक करणे म्हणजे झाड लावल्यासारखे आहे, फळ मिळविण्यासाठी संयम बाळगावा लागेल."

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.