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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.
(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 Below is the key information for BOI AXA Mid and Small Cap Equity and Debt Fund Returns up to 1 year are on (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 Below is the key information for UTI Multi Asset Fund Returns up to 1 year are on (Erstwhile Sundaram Balanced Fund) The scheme seeks to generate capital appreciation and current income through a judicious mix of investments in equities and fixed income securities. Research Highlights for Sundaram Equity Hybrid Fund Below is the key information for Sundaram Equity Hybrid Fund Returns up to 1 year are on (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 Below is the key information for ICICI Prudential Equity and Debt Fund Returns up to 1 year are on (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 Below is the key information for SBI Multi Asset Allocation Fund Returns up to 1 year are on (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 Below is the key information for ICICI Prudential Multi-Asset Fund Returns up to 1 year are on (Erstwhile IDFC Balanced Fund) The Fund seeks to generate long term capital appreciation along with current income by investing in a mix of equity and equity related securities, debt securities and money market instruments. There is no assurance or guarantee that the objectives of the scheme will be realised. Research Highlights for Bandhan Hybrid Equity Fund Below is the key information for Bandhan Hybrid Equity Fund Returns up to 1 year are on 1. 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 (03 Aug 26) ₹42.29 ↑ 0.45 (1.08 %) Net Assets (Cr) ₹1,695 on 30 Jun 26 Category Hybrid - Hybrid Equity AMC BOI AXA Investment Mngrs Private Ltd Rating Risk Moderately High Expense Ratio 2.27 Sharpe Ratio 0.17 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 Jul 21 ₹10,000 31 Jul 22 ₹9,831 31 Jul 23 ₹11,950 31 Jul 24 ₹17,749 31 Jul 25 ₹17,353 31 Jul 26 ₹19,061 Returns for BOI AXA Mid and Small Cap Equity and Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Aug 26 Duration Returns 1 Month 1.4% 3 Month 5.7% 6 Month 11.3% 1 Year 12.4% 3 Year 17.4% 5 Year 13.7% 10 Year 15 Year Since launch 15.4% 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 9.46 Yr. Data below for BOI AXA Mid and Small Cap Equity and Debt Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 12.46% Equity 76.14% Debt 11.4% Equity Sector Allocation
Sector Value Financial Services 17.12% Industrials 15.35% Health Care 11.33% Consumer Cyclical 9.82% Basic Materials 9.55% Technology 6.67% Consumer Defensive 2.67% Energy 1.59% Real Estate 0.95% Utility 0.7% Communication Services 0.39% Debt Sector Allocation
Sector Value Corporate 11.72% Government 6.94% Cash Equivalent 5.19% Credit Quality
Rating Value AA 7.04% AAA 92.96% Top Securities Holdings / Portfolio
Name Holding Value Quantity Abbott India Ltd (Healthcare)
Equity, Since 31 Jan 23 | ABBOTINDIA2% ₹38 Cr 15,000 Aurobindo Pharma Ltd (Healthcare)
Equity, Since 31 Jan 26 | AUROPHARMA2% ₹38 Cr 240,000 UNO Minda Ltd (Consumer Cyclical)
Equity, Since 31 Jul 19 | UNOMINDA2% ₹36 Cr 331,037 Bank of Maharashtra (Financial Services)
Equity, Since 31 May 24 | MAHABANK2% ₹36 Cr 3,910,000 Nippon Life India Asset Management Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Jan 24 | NAM-INDIA2% ₹35 Cr 300,000 Bharat Dynamics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jul 24 | BDL2% ₹33 Cr 242,000 Indian Bank (Financial Services)
Equity, Since 31 Aug 23 | 5328142% ₹33 Cr 405,000 Glenmark Pharmaceuticals Ltd (Healthcare)
Equity, Since 31 Jul 25 | 5322962% ₹33 Cr 150,000 Quality Power Electrical Equipments Ltd (Industrials)
Equity, Since 30 Sep 25 | QPOWER2% ₹32 Cr 261,578 Lloyds Metals & Energy Ltd (Basic Materials)
Equity, Since 28 Feb 25 | 5124552% ₹31 Cr 172,133
↓ -49,590 2. UTI Multi Asset Fund
UTI Multi Asset Fund
Growth Launch Date 21 Oct 08 NAV (03 Aug 26) ₹79.9342 ↑ 0.86 (1.09 %) Net Assets (Cr) ₹6,890 on 30 Jun 26 Category Hybrid - Multi Asset AMC UTI Asset Management Company Ltd Rating ☆ Risk Moderately High Expense Ratio 1.79 Sharpe Ratio -0.11 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 Jul 21 ₹10,000 31 Jul 22 ₹10,276 31 Jul 23 ₹12,240 31 Jul 24 ₹16,905 31 Jul 25 ₹17,481 31 Jul 26 ₹18,727 Returns for UTI Multi Asset Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Aug 26 Duration Returns 1 Month 1.6% 3 Month 3.5% 6 Month 0.5% 1 Year 9% 3 Year 16.1% 5 Year 13.4% 10 Year 15 Year Since launch 12.4% 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 Goyal 12 Nov 21 4.72 Yr. Jaydeep Bhowal 1 Oct 24 1.83 Yr. Lokesh Kulthia 19 Jun 26 0.12 Yr. Data below for UTI Multi Asset Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 5.35% Equity 71.61% Debt 10.68% Other 12.37% Equity Sector Allocation
Sector Value Financial Services 20.48% Consumer Defensive 9.94% Industrials 9.7% Technology 7.6% Consumer Cyclical 6.02% Basic Materials 5.74% Real Estate 4.31% Health Care 3.33% Energy 2.18% Communication Services 2.15% Utility 0.04% Debt Sector Allocation
Sector Value Government 6.66% Cash Equivalent 4.91% Corporate 4.46% Credit Quality
Rating Value AA 6.99% AAA 93.01% Top Securities Holdings / Portfolio
Name Holding Value Quantity UTI Gold ETF
- | -12% ₹861 Cr 73,012,656 ICICI Bank Ltd (Financial Services)
Equity, Since 29 Feb 24 | ICICIBANK3% ₹223 Cr 1,619,611
↑ 3,198 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 25 | HDFCBANK3% ₹199 Cr 2,497,446 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 30 Apr 25 | KOTAKBANK3% ₹196 Cr 4,993,006 ITC Ltd (Consumer Defensive)
Equity, Since 31 Oct 22 | ITC3% ₹187 Cr 6,527,975
↑ 24,765 Nestle India Ltd (Consumer Defensive)
Equity, Since 29 Feb 24 | NESTLEIND3% ₹183 Cr 1,299,989 Tata Consultancy Services Ltd (Technology)
Equity, Since 29 Feb 24 | TCS2% ₹156 Cr 766,007 Bharat Electronics Ltd (Industrials)
Equity, Since 31 Oct 25 | BEL2% ₹128 Cr 3,118,720 InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Jul 23 | INDIGO2% ₹121 Cr 225,484 Cummins India Ltd (Industrials)
Equity, Since 30 Apr 23 | 5004802% ₹119 Cr 209,464
↑ 706 3. Sundaram Equity Hybrid Fund
Sundaram Equity Hybrid Fund
Growth Launch Date 23 Jun 00 NAV (31 Dec 21) ₹135.137 ↑ 0.78 (0.58 %) Net Assets (Cr) ₹1,954 on 30 Nov 21 Category Hybrid - Hybrid Equity AMC Sundaram Asset Management Company Ltd Rating ☆☆ Risk Moderately High Expense Ratio 2.18 Sharpe Ratio 2.64 Information Ratio -0.12 Alpha Ratio 5.81 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value Returns for Sundaram Equity Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Aug 26 Duration Returns 1 Month 1.8% 3 Month 0.5% 6 Month 10.5% 1 Year 27.1% 3 Year 16% 5 Year 14.2% 10 Year 15 Year Since launch 12.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Fund Manager information for Sundaram Equity Hybrid Fund
Name Since Tenure Data below for Sundaram Equity Hybrid Fund as on 30 Nov 21
Asset Allocation
Asset Class Value Equity Sector Allocation
Sector Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 4. ICICI Prudential Equity and Debt Fund
ICICI Prudential Equity and Debt Fund
Growth Launch Date 3 Nov 99 NAV (03 Aug 26) ₹413.12 ↑ 4.79 (1.17 %) Net Assets (Cr) ₹51,481 on 30 Jun 26 Category Hybrid - Hybrid Equity AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.6 Sharpe Ratio -0.22 Information Ratio 1.74 Alpha Ratio 2.04 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 Jul 21 ₹10,000 31 Jul 22 ₹11,616 31 Jul 23 ₹14,095 31 Jul 24 ₹19,320 31 Jul 25 ₹20,111 31 Jul 26 ₹21,024 Returns for ICICI Prudential Equity and Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Aug 26 Duration Returns 1 Month 1.3% 3 Month 3.3% 6 Month 1.2% 1 Year 6.7% 3 Year 15.1% 5 Year 16% 10 Year 15 Year Since launch 14.9% 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 10.66 Yr. Manish Banthia 19 Sep 13 12.87 Yr. Mittul Kalawadia 29 Dec 20 5.59 Yr. Akhil Kakkar 22 Jan 24 2.53 Yr. Sri Sharma 30 Apr 21 5.26 Yr. Sharmila D'Silva 31 Jul 22 4.01 Yr. Nitya Mishra 4 Nov 24 1.74 Yr. Data below for ICICI Prudential Equity and Debt Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 6.23% Equity 74.76% Debt 18.95% Equity Sector Allocation
Sector Value Financial Services 21.37% Consumer Cyclical 10.26% Industrials 7.35% Consumer Defensive 6.68% Energy 6.38% Health Care 4.97% Utility 4.41% Technology 3.45% Basic Materials 3.15% Real Estate 2.81% Communication Services 2.44% Debt Sector Allocation
Sector Value Corporate 11.67% Government 10% Cash Equivalent 3.57% Credit Quality
Rating Value A 2.7% AA 25.31% AAA 68.95% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 21 | HDFCBANK7% ₹3,496 Cr 43,807,166
↑ 3,023,388 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jul 12 | ICICIBANK5% ₹2,477 Cr 18,013,840
↓ -1,400,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 22 | RELIANCE5% ₹2,418 Cr 18,689,980
↑ 850,000 Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 May 16 | SUNPHARMA4% ₹1,855 Cr 9,957,398
↓ -1,618,750 NTPC Ltd (Utilities)
Equity, Since 28 Feb 17 | 5325554% ₹1,853 Cr 51,962,814 Avenue Supermarts Ltd (Consumer Defensive)
Equity, Since 31 Jan 23 | 5403763% ₹1,388 Cr 3,168,463 TVS Motor Co Ltd (Consumer Cyclical)
Equity, Since 28 Feb 18 | 5323433% ₹1,378 Cr 3,981,427 Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 21 | 5322153% ₹1,350 Cr 10,031,926
↓ -1,508,750 InterGlobe Aviation Ltd (Industrials)
Equity, Since 28 Feb 23 | INDIGO2% ₹1,115 Cr 2,077,841
↓ -616,350 Hindustan Unilever Ltd (Consumer Defensive)
Equity, Since 31 Jan 24 | HINDUNILVR2% ₹861 Cr 4,065,360 5. SBI Multi Asset Allocation Fund
SBI Multi Asset Allocation Fund
Growth Launch Date 21 Dec 05 NAV (31 Jul 26) ₹66.6766 ↑ 0.16 (0.24 %) Net Assets (Cr) ₹19,354 on 30 Jun 26 Category Hybrid - Multi Asset AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.46 Sharpe Ratio 0.53 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 Jul 21 ₹10,000 31 Jul 22 ₹10,414 31 Jul 23 ₹12,155 31 Jul 24 ₹15,410 31 Jul 25 ₹16,485 31 Jul 26 ₹18,525 Returns for SBI Multi Asset Allocation Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Aug 26 Duration Returns 1 Month 0.5% 3 Month 1.1% 6 Month -0.3% 1 Year 12.4% 3 Year 15.1% 5 Year 13.1% 10 Year 15 Year Since launch 9.6% 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 4.75 Yr. Mansi Sajeja 1 Dec 23 2.67 Yr. Vandna Soni 1 Jan 24 2.58 Yr. Data below for SBI Multi Asset Allocation Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 9.27% Equity 48.87% Debt 32.08% Other 9.78% Equity Sector Allocation
Sector Value Financial Services 13.5% Health Care 4.74% Consumer Cyclical 4.61% Real Estate 4.59% Utility 4.23% Energy 3.81% Basic Materials 3.75% Industrials 3.44% Consumer Defensive 2.39% Technology 1.93% Communication Services 1.87% Debt Sector Allocation
Sector Value Corporate 25.95% Cash Equivalent 8.53% Government 6.88% Credit Quality
Rating Value A 5.28% AA 48.27% AAA 46.44% Top Securities Holdings / Portfolio
Name Holding Value Quantity SBI Gold ETF
- | -6% ₹1,232 Cr 102,591,000 SBI Silver ETF
- | -4% ₹747 Cr 34,896,178 Brookfield India Real Estate Trust (Real Estate)
-, Since 30 Apr 25 | 5432613% ₹516 Cr 15,164,234 Bandhan Bank Ltd (Financial Services)
Equity, Since 30 Sep 24 | 5411532% ₹444 Cr 20,500,000 Delhivery Ltd (Industrials)
Equity, Since 15 Apr 26 | 5435292% ₹431 Cr 8,638,573 GAIL (India) Ltd (Utilities)
Equity, Since 31 Mar 21 | 5321552% ₹404 Cr 23,350,297 6.94% Govt Stock 2036
Sovereign Bonds | -2% ₹379 Cr 37,500,000
↑ 37,500,000 Biocon Ltd (Healthcare)
Equity, Since 30 Nov 24 | 5325232% ₹344 Cr 7,920,476 Indus Towers Ltd Ordinary Shares (Communication Services)
Equity, Since 31 Jan 26 | 5348162% ₹334 Cr 8,200,000 ICICI Bank Ltd (Financial Services)
Equity, Since 15 Apr 22 | ICICIBANK2% ₹329 Cr 2,320,000 6. ICICI Prudential Multi-Asset Fund
ICICI Prudential Multi-Asset Fund
Growth Launch Date 31 Oct 02 NAV (31 Jul 26) ₹814.441 ↑ 1.07 (0.13 %) Net Assets (Cr) ₹84,991 on 30 Jun 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 Jul 21 ₹10,000 31 Jul 22 ₹11,801 31 Jul 23 ₹14,478 31 Jul 24 ₹18,798 31 Jul 25 ₹20,192 31 Jul 26 ₹21,864 Returns for ICICI Prudential Multi-Asset Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Aug 26 Duration Returns 1 Month 1.8% 3 Month 1.8% 6 Month -0.5% 1 Year 8.3% 3 Year 14.7% 5 Year 16.9% 10 Year 15 Year Since launch 20.4% 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 14.51 Yr. Manish Banthia 22 Jan 24 2.53 Yr. Akhil Kakkar 22 Jan 24 2.53 Yr. Sri Sharma 30 Apr 21 5.26 Yr. Gaurav Chikane 2 Aug 21 5 Yr. Sharmila D'Silva 31 Jul 22 4.01 Yr. Masoomi Jhurmarvala 4 Nov 24 1.74 Yr. Antariksha Banerjee 15 Jun 26 0.13 Yr. Data below for ICICI Prudential Multi-Asset Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 12.58% Equity 64.7% Debt 11.14% Other 11.58% Equity Sector Allocation
Sector Value Financial Services 23.53% Consumer Cyclical 11.6% Consumer Defensive 5.47% Industrials 5.37% Basic Materials 5.03% Energy 4.25% Technology 4.02% Health Care 3.13% Real Estate 2.29% Utility 1.98% Communication Services 1.77% Debt Sector Allocation
Sector Value Cash Equivalent 9.91% Corporate 7.66% Government 6.16% Credit Quality
Rating Value A 1.07% AA 24.56% AAA 74.38% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Pru Gold ETF
- | -10% ₹8,301 Cr 691,140,357 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 22 | HDFCBANK6% ₹5,340 Cr 66,922,283
↑ 2,000,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Dec 20 | RELIANCE3% ₹2,801 Cr 21,647,703
↑ 9,635,911 ICICI Bank Ltd (Financial Services)
Equity, Since 31 May 06 | ICICIBANK3% ₹2,583 Cr 18,786,275
↓ -2,529,100 Bajaj Finserv Ltd (Financial Services)
Equity, Since 31 Jan 24 | 5329782% ₹2,053 Cr 11,533,749
↓ -1,000,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Dec 20 | 5322152% ₹1,994 Cr 14,818,164
↓ -1,250,000 Infosys Ltd (Technology)
Equity, Since 31 Oct 19 | INFY2% ₹1,792 Cr 17,908,002
↑ 972,229 InterGlobe Aviation Ltd (Industrials)
Equity, Since 28 Feb 23 | INDIGO2% ₹1,616 Cr 3,010,656
↓ -1,125,000 ITC Ltd (Consumer Defensive)
Equity, Since 31 Mar 24 | ITC2% ₹1,569 Cr 54,664,918
↓ -4,000,000 Future on Gold
- | -2% ₹1,539 Cr 1,080
↑ 1,080 7. Bandhan Hybrid Equity Fund
Bandhan Hybrid Equity Fund
Growth Launch Date 30 Dec 16 NAV (03 Aug 26) ₹28.333 ↑ 0.43 (1.55 %) Net Assets (Cr) ₹2,184 on 30 Jun 26 Category Hybrid - Hybrid Equity AMC IDFC Asset Management Company Limited Rating Risk Moderately High Expense Ratio 2.35 Sharpe Ratio 0.05 Information Ratio 0.71 Alpha Ratio 5.97 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 Jul 21 ₹10,000 31 Jul 22 ₹10,310 31 Jul 23 ₹11,751 31 Jul 24 ₹14,985 31 Jul 25 ₹16,045 31 Jul 26 ₹17,298 Returns for Bandhan Hybrid Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Aug 26 Duration Returns 1 Month 2.9% 3 Month 7% 6 Month 5.5% 1 Year 10.5% 3 Year 14.7% 5 Year 11.6% 10 Year 15 Year Since launch 11.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.7% 2023 21% 2022 20.4% 2021 -1.1% 2020 30.8% 2019 13.9% 2018 4.7% 2017 -3.8% 2016 16.2% 2015 Fund Manager information for Bandhan Hybrid Equity Fund
Name Since Tenure Harshal Joshi 28 Jul 21 5.01 Yr. Brijesh Shah 10 Jun 24 2.14 Yr. Prateek Poddar 7 Jun 24 2.15 Yr. Ritika Behera 7 Oct 23 2.82 Yr. Gaurav Satra 7 Jun 24 2.15 Yr. Data below for Bandhan Hybrid Equity Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 9.69% Equity 79.34% Debt 10.95% Other 0.02% Equity Sector Allocation
Sector Value Financial Services 23.8% Consumer Cyclical 12.73% Industrials 7.48% Technology 7.02% Basic Materials 5.96% Health Care 5.85% Consumer Defensive 4.58% Energy 4.02% Utility 3.71% Communication Services 2.63% Real Estate 1.56% Debt Sector Allocation
Sector Value Corporate 14.43% Cash Equivalent 4.08% Government 2.13% Credit Quality
Rating Value AA 4.54% AAA 95.46% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bandhan Low Duration Dir Gr
Investment Fund | -7% ₹150 Cr 35,739,309
↑ 35,739,309 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jul 24 | ICICIBANK6% ₹132 Cr 959,204
↑ 54,505 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Jun 24 | HDFCBANK5% ₹105 Cr 1,318,335
↑ 64,609 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 20 | RELIANCE4% ₹85 Cr 655,194
↑ 92,725 Power Finance Corporation Limited
Debentures | -3% ₹75 Cr 7,500,000
↑ 6,700,000 State Bank of India (Financial Services)
Equity, Since 28 Feb 21 | SBIN3% ₹67 Cr 655,783
↑ 77,156 NTPC Ltd (Utilities)
Equity, Since 28 Feb 23 | 5325553% ₹66 Cr 1,838,456
↓ -71,158 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Jan 17 | LT2% ₹55 Cr 131,703
↑ 33,324 Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 31 May 24 | M&M2% ₹45 Cr 147,978
↑ 17,407 Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 30 Apr 25 | SUNPHARMA2% ₹42 Cr 227,682
↑ 11,069
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."
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.
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Research Highlights for BOI AXA Mid and Small Cap Equity and Debt Fund