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Fincash » Mutual Funds » Mutual Fund Vs FD

Mutual Fund vs FD (Fixed Deposit)

Updated on August 7, 2025 , 13627 views

Mutual Fund vs FD? When thinking of saving money, the first thing that most people consider doing is Investing in fixed deposits (FDs). That’s usually because it is easy to understand and is being done since generations. But is it the most appropriate investment? And does it provide the best returns? Or mutual fund investments can serve the purpose better? To know the answers to these questions, read below!

FD or Fixed Deposit

Fixed Deposit, also known as FD is a popular Bank investment option suitable for both long-term and short-term investments. FD returns are fixed as the FD interest rate is pre-decided by the government of India. The interest rate on Fixed Deposits being fixed, there is no effect of Inflation on these investments.

MF-vs-FD

Also, the FD returns are taxable in the hands of investors. However, FD investments are liable for tax deductions under Section 80C of income tax Act.

Mutual Funds

Mutual Fund is of three types, Debt, Equity and Balanced Mutual Funds. debt mutual fund are those that invest most of the assets in government Bonds, corporate bonds and the rest in equity markets. Contrarily, Equity Mutual Funds invest more than 65% of its assets in equity markets and the rest in government bonds, corporate bonds and securities. While Balanced Mutual Funds are those that invest partially in debt and partially in Equity Funds. Mutual Fund is an inflation beating instrument, so it is more tax efficient and is expected to offer better returns on long-term investments.

Which is a Better Long Term Investment?

Now that we know that Mutual Funds and Fixed Deposits (FDs) are both Tax Saving Investments, the question that arises is - Where should one invest? Though it is a subjective question and the answer to it may vary from person to person, below is a comparison mentioned based on various parameters that might help you choose better.

1. Mutual Fund Returns & FD Returns

The returns on Fixed Deposit is pre-specified and does not change throughout the tenure. While Mutual Funds, being linked to the financial Market, offer better returns on long-term investments.

2. FD Interest Rates & Mutual Fund Returns

The interest rate on FDs are fixed depending on the type of FD or the period of FD, so one cannot expect higher interest rates on Fixed Deposits. On the other hand, the returns on Mutual Funds vary as different kinds of funds offer volatile returns. If the market goes high the returns increase and vice-a-versa.

3. Risk Factors

Fixed Deposits hardly pose any risk as the returns are pre-determined. Also, if the bank gets busted all bank accounts are insured upto INR 1 lakh. On the other hand, Mutual Funds carry a higher risk as they invest their assets in the financial market. Equity Mutual Funds, having most of its assets invested in equity markets, carry a much higher risk. While investing in Debt Mutual Funds is less risky, as very less portion of these funds is invested in stock market.

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4. The Impact of Inflation

The interest rate being pre-decided, there is no effect of inflation on Fixed Deposits. While, for Mutual Funds, the returns are inflation-adjusted that enhances its potential to earn better returns.

5. Capital Gains

There are no Capital gains possible in the case of FDs. For Mutual funds, Capital Gains depend on the holding period. Different Mutual Funds offer varied capital gains.

6. Liquidity

Fixed deposits are Illiquid, as the invested amount is locked for a certain amount of time. If the money is withdrawn before that period, a certain penalty is deducted. While Mutual Funds are liquid as they can be sold in a short period of time without causing much Depreciation in the fund value. However, it is important to keep a check the exit loads applicable on selling a few Mutual Funds.

7. Taxation

The interest on Fixed Deposit is taxed as per the tax slab of the individual. On the other hand, Mutual Fund Taxation majorly depends on the holding period. Both Short Term Capital Gains (STCG) and Long Term Capital Gains (LTCG) are taxed differently.

8. Tax Saving FD's V/S Equity Linked Saving Schemes (ELSS)

For investors who are considering FD's for Tax Saving purpose under section 80c of IT Act. (5 Year Lockin) ELSS Mutual Funds are good alternative as they have lock in of 3 Years and has offered better returns historically.

Which is a Better Investment Plan ?

Let's look briefly:

Parameter Mutual Fund Fixed Deposit
Rate of Returns No Assured Returns Fixed Returns
Inflation Adjusted Returns Potential for High Inflation Adjusted Returns Usually Low Inflation Adjusted Returns
Risk Medium to High Risk Low Risk
liquidity Liquid Liquid
Premature Withdrawal Allowed with Exit Load/ No Load Allowed with Penalty
Cost of Investment Management Cost/Expense Ratio No Cost
Tax Status Favorable Tax Status As Per Tax Slab

Best Mutual Funds to Invest in 2025

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
ICICI Prudential Infrastructure Fund Growth ₹190.55
↓ -0.94
₹8,0436.27.60.629.535.927.4
HDFC Infrastructure Fund Growth ₹46.767
↓ -0.20
₹2,5916.17.9-2.229.834.123
Nippon India Small Cap Fund Growth ₹164.669
↓ -1.81
₹66,6027.84.1-4.8243426.1
Motilal Oswal Midcap 30 Fund  Growth ₹99.4516
↓ -2.77
₹33,0534.32.11.827.433.357.1
Bandhan Infrastructure Fund Growth ₹49.006
↓ -0.53
₹1,7496.15.3-10.927.932.939.3
Franklin Build India Fund Growth ₹138.945
↓ -1.09
₹2,9686.18.1-128.832.827.8
DSP India T.I.G.E.R Fund Growth ₹305.144
↓ -3.22
₹5,51776.2-7.526.932.632.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Aug 25

Research Highlights & Commentary of 7 Funds showcased

CommentaryICICI Prudential Infrastructure FundHDFC Infrastructure FundNippon India Small Cap FundMotilal Oswal Midcap 30 Fund Bandhan Infrastructure FundFranklin Build India FundDSP India T.I.G.E.R Fund
Point 1Upper mid AUM (₹8,043 Cr).Bottom quartile AUM (₹2,591 Cr).Highest AUM (₹66,602 Cr).Upper mid AUM (₹33,053 Cr).Bottom quartile AUM (₹1,749 Cr).Lower mid AUM (₹2,968 Cr).Lower mid AUM (₹5,517 Cr).
Point 2Established history (19+ yrs).Established history (17+ yrs).Established history (14+ yrs).Established history (11+ yrs).Established history (14+ yrs).Established history (15+ yrs).Oldest track record among peers (21 yrs).
Point 3Rating: 3★ (lower mid).Rating: 3★ (bottom quartile).Rating: 4★ (upper mid).Rating: 3★ (bottom quartile).Top rated.Rating: 5★ (upper mid).Rating: 4★ (lower mid).
Point 4Risk profile: High.Risk profile: High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: High.Risk profile: High.Risk profile: High.
Point 55Y return: 35.89% (top quartile).5Y return: 34.10% (upper mid).5Y return: 34.05% (upper mid).5Y return: 33.29% (lower mid).5Y return: 32.92% (lower mid).5Y return: 32.79% (bottom quartile).5Y return: 32.58% (bottom quartile).
Point 63Y return: 29.47% (upper mid).3Y return: 29.80% (top quartile).3Y return: 23.96% (bottom quartile).3Y return: 27.39% (lower mid).3Y return: 27.94% (lower mid).3Y return: 28.76% (upper mid).3Y return: 26.90% (bottom quartile).
Point 71Y return: 0.64% (upper mid).1Y return: -2.17% (lower mid).1Y return: -4.79% (lower mid).1Y return: 1.83% (top quartile).1Y return: -10.90% (bottom quartile).1Y return: -1.01% (upper mid).1Y return: -7.54% (bottom quartile).
Point 8Alpha: 0.00 (upper mid).Alpha: 0.00 (upper mid).Alpha: -2.86 (bottom quartile).Alpha: 3.89 (top quartile).Alpha: 0.00 (lower mid).Alpha: 0.00 (lower mid).Alpha: 0.00 (bottom quartile).
Point 9Sharpe: 0.01 (upper mid).Sharpe: -0.23 (lower mid).Sharpe: -0.10 (upper mid).Sharpe: 0.23 (top quartile).Sharpe: -0.29 (bottom quartile).Sharpe: -0.29 (lower mid).Sharpe: -0.36 (bottom quartile).
Point 10Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: -0.10 (bottom quartile).Information ratio: 0.44 (top quartile).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).

ICICI Prudential Infrastructure Fund

  • Upper mid AUM (₹8,043 Cr).
  • Established history (19+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: High.
  • 5Y return: 35.89% (top quartile).
  • 3Y return: 29.47% (upper mid).
  • 1Y return: 0.64% (upper mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 0.01 (upper mid).
  • Information ratio: 0.00 (upper mid).

HDFC Infrastructure Fund

  • Bottom quartile AUM (₹2,591 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 34.10% (upper mid).
  • 3Y return: 29.80% (top quartile).
  • 1Y return: -2.17% (lower mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: -0.23 (lower mid).
  • Information ratio: 0.00 (upper mid).

Nippon India Small Cap Fund

  • Highest AUM (₹66,602 Cr).
  • Established history (14+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 34.05% (upper mid).
  • 3Y return: 23.96% (bottom quartile).
  • 1Y return: -4.79% (lower mid).
  • Alpha: -2.86 (bottom quartile).
  • Sharpe: -0.10 (upper mid).
  • Information ratio: -0.10 (bottom quartile).

Motilal Oswal Midcap 30 Fund 

  • Upper mid AUM (₹33,053 Cr).
  • Established history (11+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 33.29% (lower mid).
  • 3Y return: 27.39% (lower mid).
  • 1Y return: 1.83% (top quartile).
  • Alpha: 3.89 (top quartile).
  • Sharpe: 0.23 (top quartile).
  • Information ratio: 0.44 (top quartile).

Bandhan Infrastructure Fund

  • Bottom quartile AUM (₹1,749 Cr).
  • Established history (14+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 32.92% (lower mid).
  • 3Y return: 27.94% (lower mid).
  • 1Y return: -10.90% (bottom quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.29 (bottom quartile).
  • Information ratio: 0.00 (lower mid).

Franklin Build India Fund

  • Lower mid AUM (₹2,968 Cr).
  • Established history (15+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: High.
  • 5Y return: 32.79% (bottom quartile).
  • 3Y return: 28.76% (upper mid).
  • 1Y return: -1.01% (upper mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.29 (lower mid).
  • Information ratio: 0.00 (lower mid).

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

  • Lower mid AUM (₹5,517 Cr).
  • Oldest track record among peers (21 yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: High.
  • 5Y return: 32.58% (bottom quartile).
  • 3Y return: 26.90% (bottom quartile).
  • 1Y return: -7.54% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: -0.36 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).

*Below is the list of 7 best mutual funds having Net Assets/AUM higher than 100 Crore. Sorted on 5 year CAGR/Annualized returns.

1. ICICI Prudential Infrastructure Fund

To generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure development and balance in debt securities and money market instruments.

Research Highlights for ICICI Prudential Infrastructure Fund

  • Upper mid AUM (₹8,043 Cr).
  • Established history (19+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: High.
  • 5Y return: 35.89% (top quartile).
  • 3Y return: 29.47% (upper mid).
  • 1Y return: 0.64% (upper mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 0.01 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Top sector: Industrials.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~94%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Larsen & Toubro Ltd (~9.0%).

Below is the key information for ICICI Prudential Infrastructure Fund

ICICI Prudential Infrastructure Fund
Growth
Launch Date 31 Aug 05
NAV (08 Aug 25) ₹190.55 ↓ -0.94   (-0.49 %)
Net Assets (Cr) ₹8,043 on 30 Jun 25
Category Equity - Sectoral
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.22
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.

DateValue
31 Jul 20₹10,000
31 Jul 21₹17,880
31 Jul 22₹21,387
31 Jul 23₹30,280
31 Jul 24₹49,231
31 Jul 25₹48,059

ICICI Prudential Infrastructure Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹721,906.
Net Profit of ₹421,906
Invest Now

Returns for ICICI Prudential Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25

DurationReturns
1 Month -4.5%
3 Month 6.2%
6 Month 7.6%
1 Year 0.6%
3 Year 29.5%
5 Year 35.9%
10 Year
15 Year
Since launch 15.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 27.4%
2023 44.6%
2022 28.8%
2021 50.1%
2020 3.6%
2019 2.6%
2018 -14%
2017 40.8%
2016 2%
2015 -3.4%
Fund Manager information for ICICI Prudential Infrastructure Fund
NameSinceTenure
Ihab Dalwai3 Jun 178.17 Yr.
Sharmila D’mello30 Jun 223.09 Yr.

Data below for ICICI Prudential Infrastructure Fund as on 30 Jun 25

Equity Sector Allocation
SectorValue
Industrials38.68%
Basic Materials16.98%
Financial Services16.27%
Utility9.82%
Energy7.24%
Real Estate2.75%
Consumer Cyclical1.63%
Communication Services1.14%
Asset Allocation
Asset ClassValue
Cash5.5%
Equity94.5%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 09 | LT
9%₹727 Cr1,980,204
↓ -150,000
NTPC Ltd (Utilities)
Equity, Since 29 Feb 16 | 532555
4%₹358 Cr10,679,473
↑ 3,079,473
Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 May 24 | ADANIPORTS
4%₹329 Cr2,268,659
↓ -200,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 23 | RELIANCE
4%₹290 Cr1,929,725
↑ 266,998
NCC Ltd (Industrials)
Equity, Since 31 Aug 21 | NCC
4%₹289 Cr12,522,005
Vedanta Ltd (Basic Materials)
Equity, Since 31 Jul 24 | 500295
4%₹284 Cr6,158,750
↑ 935,088
JM Financial Ltd (Financial Services)
Equity, Since 31 Oct 21 | JMFINANCIL
3%₹247 Cr15,506,510
↓ -2,256,731
Axis Bank Ltd (Financial Services)
Equity, Since 31 Dec 20 | 532215
3%₹227 Cr1,896,057
↑ 400,000
Kalpataru Projects International Ltd (Industrials)
Equity, Since 30 Sep 06 | KPIL
3%₹221 Cr1,803,566
↓ -100,000
AIA Engineering Ltd (Industrials)
Equity, Since 28 Feb 21 | AIAENG
3%₹219 Cr660,770
↑ 120,000

2. HDFC Infrastructure Fund

To seek long-term capital appreciation by investing predominantly in equity and equity related securities of companies engaged in or expected to benefit from growth and development of infrastructure.

Research Highlights for HDFC Infrastructure Fund

  • Bottom quartile AUM (₹2,591 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 34.10% (upper mid).
  • 3Y return: 29.80% (top quartile).
  • 1Y return: -2.17% (lower mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: -0.23 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Top sector: Industrials.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~93%).
  • Largest holding ICICI Bank Ltd (~7.3%).

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund
Growth
Launch Date 10 Mar 08
NAV (08 Aug 25) ₹46.767 ↓ -0.20   (-0.43 %)
Net Assets (Cr) ₹2,591 on 30 Jun 25
Category Equity - Sectoral
AMC HDFC Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.31
Sharpe Ratio -0.23
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.

DateValue
31 Jul 20₹10,000
31 Jul 21₹18,825
31 Jul 22₹20,454
31 Jul 23₹29,022
31 Jul 24₹48,197
31 Jul 25₹45,754

HDFC Infrastructure Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹705,310.
Net Profit of ₹405,310
Invest Now

Returns for HDFC Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25

DurationReturns
1 Month -3.2%
3 Month 6.1%
6 Month 7.9%
1 Year -2.2%
3 Year 29.8%
5 Year 34.1%
10 Year
15 Year
Since launch
Historical performance (Yearly) on absolute basis
YearReturns
2024 23%
2023 55.4%
2022 19.3%
2021 43.2%
2020 -7.5%
2019 -3.4%
2018 -29%
2017 43.3%
2016 -1.9%
2015 -2.5%
Fund Manager information for HDFC Infrastructure Fund
NameSinceTenure
Srinivasan Ramamurthy12 Jan 241.55 Yr.
Dhruv Muchhal22 Jun 232.11 Yr.

Data below for HDFC Infrastructure Fund as on 30 Jun 25

Equity Sector Allocation
SectorValue
Industrials39.21%
Financial Services19.99%
Basic Materials10.82%
Utility6.94%
Energy6.55%
Communication Services3.93%
Real Estate2.13%
Health Care1.68%
Technology1.43%
Consumer Cyclical0.5%
Asset Allocation
Asset ClassValue
Cash6.83%
Equity93.17%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | 532174
7%₹188 Cr1,300,000
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 23 | HDFCBANK
5%₹140 Cr700,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT
5%₹139 Cr380,000
J Kumar Infraprojects Ltd (Industrials)
Equity, Since 31 Oct 15 | JKIL
4%₹101 Cr1,400,000
↓ -50,000
Kalpataru Projects International Ltd (Industrials)
Equity, Since 31 Jan 23 | KPIL
4%₹93 Cr758,285
InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Dec 21 | INDIGO
3%₹90 Cr150,000
Reliance Industries Ltd (Energy)
Equity, Since 31 May 24 | RELIANCE
3%₹75 Cr500,000
NTPC Ltd (Utilities)
Equity, Since 31 Dec 17 | 532555
3%₹74 Cr2,200,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 20 | BHARTIARTL
3%₹70 Cr350,000
G R Infraprojects Ltd (Industrials)
Equity, Since 31 Jul 21 | 543317
2%₹62 Cr470,000

3. Nippon India Small Cap Fund

The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related instruments of small cap companies and the secondary objective is to generate consistent returns by investing in debt and money market securities.

Research Highlights for Nippon India Small Cap Fund

  • Highest AUM (₹66,602 Cr).
  • Established history (14+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 34.05% (upper mid).
  • 3Y return: 23.96% (bottom quartile).
  • 1Y return: -4.79% (lower mid).
  • Alpha: -2.86 (bottom quartile).
  • Sharpe: -0.10 (upper mid).
  • Information ratio: -0.10 (bottom quartile).
  • Top sector: Industrials.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~96%).
  • Largest holding Multi Commodity Exchange of India Ltd (~2.5%).

Below is the key information for Nippon India Small Cap Fund

Nippon India Small Cap Fund
Growth
Launch Date 16 Sep 10
NAV (08 Aug 25) ₹164.669 ↓ -1.81   (-1.09 %)
Net Assets (Cr) ₹66,602 on 30 Jun 25
Category Equity - Small Cap
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderately High
Expense Ratio 1.55
Sharpe Ratio -0.11
Information Ratio -0.1
Alpha Ratio -2.86
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.

DateValue
31 Jul 20₹10,000
31 Jul 21₹21,333
31 Jul 22₹23,526
31 Jul 23₹31,952
31 Jul 24₹49,722
31 Jul 25₹46,790

Nippon India Small Cap Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹705,310.
Net Profit of ₹405,310
Invest Now

Returns for Nippon India Small Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25

DurationReturns
1 Month -4.7%
3 Month 7.8%
6 Month 4.1%
1 Year -4.8%
3 Year 24%
5 Year 34%
10 Year
15 Year
Since launch 20.7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 26.1%
2023 48.9%
2022 6.5%
2021 74.3%
2020 29.2%
2019 -2.5%
2018 -16.7%
2017 63%
2016 5.6%
2015 15.1%
Fund Manager information for Nippon India Small Cap Fund
NameSinceTenure
Samir Rachh2 Jan 178.58 Yr.
Kinjal Desai25 May 187.19 Yr.

Data below for Nippon India Small Cap Fund as on 30 Jun 25

Equity Sector Allocation
SectorValue
Industrials23.43%
Financial Services14.84%
Consumer Cyclical14.65%
Basic Materials12.82%
Health Care8.57%
Consumer Defensive8.11%
Technology7.37%
Utility2.24%
Energy1.77%
Communication Services1.45%
Real Estate0.69%
Asset Allocation
Asset ClassValue
Cash4.05%
Equity95.95%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 28 Feb 21 | MCX
2%₹1,656 Cr1,851,010
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 22 | HDFCBANK
2%₹1,331 Cr6,650,000
Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Oct 12 | KIRLOSBROS
2%₹1,054 Cr4,472,130
Karur Vysya Bank Ltd (Financial Services)
Equity, Since 28 Feb 17 | 590003
1%₹850 Cr31,784,062
ELANTAS Beck India Ltd (Basic Materials)
Equity, Since 28 Feb 13 | 500123
1%₹827 Cr651,246
↑ 36,498
Apar Industries Ltd (Industrials)
Equity, Since 31 Mar 17 | APARINDS
1%₹784 Cr899,271
Tube Investments of India Ltd Ordinary Shares (Industrials)
Equity, Since 30 Apr 18 | TIINDIA
1%₹777 Cr2,499,222
State Bank of India (Financial Services)
Equity, Since 31 Oct 19 | SBIN
1%₹747 Cr9,100,000
Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 30 Sep 22 | 500103
1%₹732 Cr27,500,000
Pfizer Ltd (Healthcare)
Equity, Since 28 Feb 22 | PFIZER
1%₹685 Cr1,206,103

4. Motilal Oswal Midcap 30 Fund 

(Erstwhile Motilal Oswal MOSt Focused Midcap 30 Fund)

The investment objective of the Scheme is to achieve long term capital appreciation by investing in a maximum of 30 quality mid-cap companies having long-term competitive advantages and potential for growth. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved.

Research Highlights for Motilal Oswal Midcap 30 Fund 

  • Upper mid AUM (₹33,053 Cr).
  • Established history (11+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 33.29% (lower mid).
  • 3Y return: 27.39% (lower mid).
  • 1Y return: 1.83% (top quartile).
  • Alpha: 3.89 (top quartile).
  • Sharpe: 0.23 (top quartile).
  • Information ratio: 0.44 (top quartile).
  • Higher exposure to Technology vs peer median.
  • Higher exposure to Cash Equivalent (bond sector) vs peer median.
  • Equity-heavy allocation (~83%).
  • Largest holding Coforge Ltd (~10.5%).

Below is the key information for Motilal Oswal Midcap 30 Fund 

Motilal Oswal Midcap 30 Fund 
Growth
Launch Date 24 Feb 14
NAV (08 Aug 25) ₹99.4516 ↓ -2.77   (-2.71 %)
Net Assets (Cr) ₹33,053 on 30 Jun 25
Category Equity - Mid Cap
AMC Motilal Oswal Asset Management Co. Ltd
Rating
Risk Moderately High
Expense Ratio 0.66
Sharpe Ratio 0.23
Information Ratio 0.44
Alpha Ratio 3.89
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹16,540
31 Jul 22₹20,655
31 Jul 23₹26,047
31 Jul 24₹44,147
31 Jul 25₹44,850

Motilal Oswal Midcap 30 Fund  SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹689,048.
Net Profit of ₹389,048
Invest Now

Returns for Motilal Oswal Midcap 30 Fund 

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25

DurationReturns
1 Month -3.5%
3 Month 4.3%
6 Month 2.1%
1 Year 1.8%
3 Year 27.4%
5 Year 33.3%
10 Year
15 Year
Since launch 22.2%
Historical performance (Yearly) on absolute basis
YearReturns
2024 57.1%
2023 41.7%
2022 10.7%
2021 55.8%
2020 9.3%
2019 9.7%
2018 -12.7%
2017 30.8%
2016 5.2%
2015 16.5%
Fund Manager information for Motilal Oswal Midcap 30 Fund 
NameSinceTenure
Ajay Khandelwal1 Oct 240.83 Yr.
Niket Shah1 Jul 205.09 Yr.
Rakesh Shetty22 Nov 222.69 Yr.
Sunil Sawant1 Jul 241.08 Yr.

Data below for Motilal Oswal Midcap 30 Fund  as on 30 Jun 25

Equity Sector Allocation
SectorValue
Technology33.7%
Industrials18.11%
Consumer Cyclical17.65%
Health Care4.49%
Communication Services3.99%
Real Estate2.83%
Financial Services2.61%
Asset Allocation
Asset ClassValue
Cash17.17%
Equity82.83%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Coforge Ltd (Technology)
Equity, Since 31 Mar 23 | COFORGE
10%₹3,464 Cr18,000,000
Persistent Systems Ltd (Technology)
Equity, Since 31 Jan 23 | PERSISTENT
10%₹3,172 Cr5,250,000
Trent Ltd (Consumer Cyclical)
Equity, Since 30 Nov 24 | 500251
9%₹3,104 Cr4,992,139
↑ 2,848,945
Dixon Technologies (India) Ltd (Technology)
Equity, Since 31 Mar 23 | DIXON
9%₹2,997 Cr1,999,999
↑ 1,164,799
Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 29 Feb 24 | KALYANKJIL
8%₹2,501 Cr45,000,000
↑ 1,509,750
Polycab India Ltd (Industrials)
Equity, Since 30 Sep 23 | POLYCAB
5%₹1,671 Cr2,550,000
↑ 50,000
KEI Industries Ltd (Industrials)
Equity, Since 30 Nov 24 | KEI
4%₹1,327 Cr3,500,000
↑ 750,000
Bharti Hexacom Ltd (Communication Services)
Equity, Since 31 Oct 24 | BHARTIHEXA
4%₹1,318 Cr6,750,000
Max Healthcare Institute Ltd Ordinary Shares (Healthcare)
Equity, Since 31 Mar 24 | MAXHEALTH
4%₹1,272 Cr9,969,361
Kaynes Technology India Ltd (Industrials)
Equity, Since 30 Jun 25 | KAYNES
3%₹975 Cr1,599,306
↑ 1,599,306

5. Bandhan Infrastructure Fund

The investment objective of the scheme is to seek to generate long-term capital growth through an active diversified portfolio of predominantly equity and equity related instruments of companies that are participating in and benefiting from growth in Indian infrastructure and infrastructural related activities. However, there can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for Bandhan Infrastructure Fund

  • Bottom quartile AUM (₹1,749 Cr).
  • Established history (14+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 32.92% (lower mid).
  • 3Y return: 27.94% (lower mid).
  • 1Y return: -10.90% (bottom quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.29 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Higher exposure to Industrials vs peer median.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~92%).
  • Largest holding Kirloskar Brothers Ltd (~6.0%).

Below is the key information for Bandhan Infrastructure Fund

Bandhan Infrastructure Fund
Growth
Launch Date 8 Mar 11
NAV (08 Aug 25) ₹49.006 ↓ -0.53   (-1.06 %)
Net Assets (Cr) ₹1,749 on 30 Jun 25
Category Equity - Sectoral
AMC IDFC Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.33
Sharpe Ratio -0.3
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹20,043
31 Jul 22₹19,974
31 Jul 23₹27,326
31 Jul 24₹49,920
31 Jul 25₹43,568

Bandhan Infrastructure Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹673,113.
Net Profit of ₹373,113
Invest Now

Returns for Bandhan Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25

DurationReturns
1 Month -4.9%
3 Month 6.1%
6 Month 5.3%
1 Year -10.9%
3 Year 27.9%
5 Year 32.9%
10 Year
15 Year
Since launch 11.7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 39.3%
2023 50.3%
2022 1.7%
2021 64.8%
2020 6.3%
2019 -5.3%
2018 -25.9%
2017 58.7%
2016 10.7%
2015 -0.2%
Fund Manager information for Bandhan Infrastructure Fund
NameSinceTenure
Vishal Biraia24 Jan 241.52 Yr.
Ritika Behera7 Oct 231.82 Yr.
Gaurav Satra7 Jun 241.15 Yr.

Data below for Bandhan Infrastructure Fund as on 30 Jun 25

Equity Sector Allocation
SectorValue
Industrials53.42%
Utility12.27%
Basic Materials7.58%
Communication Services4.88%
Energy3.88%
Financial Services3.7%
Technology2.53%
Health Care1.87%
Consumer Cyclical1.71%
Real Estate0.63%
Asset Allocation
Asset ClassValue
Cash7.52%
Equity92.48%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Dec 17 | KIRLOSBROS
6%₹105 Cr443,385
Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 12 | LT
4%₹76 Cr206,262
↑ 23,089
Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 24 | RELIANCE
4%₹68 Cr452,706
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 19 | BHARTIARTL
4%₹66 Cr330,018
GPT Infraprojects Ltd (Industrials)
Equity, Since 30 Nov 17 | GPTINFRA
4%₹61 Cr4,782,533
↓ -14,610
UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Mar 14 | 532538
3%₹61 Cr50,452
Bharat Electronics Ltd (Industrials)
Equity, Since 31 Oct 19 | BEL
3%₹60 Cr1,431,700
Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 Dec 23 | ADANIPORTS
3%₹53 Cr365,137
PTC India Financial Services Ltd (Financial Services)
Equity, Since 31 Dec 23 | PFS
3%₹53 Cr12,400,122
KEC International Ltd (Industrials)
Equity, Since 30 Jun 24 | 532714
3%₹47 Cr512,915

6. Franklin Build India Fund

The Scheme seeks to achieve capital appreciation by investing in companies engaged directly or indirectly in infrastructure related activities.

Research Highlights for Franklin Build India Fund

  • Lower mid AUM (₹2,968 Cr).
  • Established history (15+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: High.
  • 5Y return: 32.79% (bottom quartile).
  • 3Y return: 28.76% (upper mid).
  • 1Y return: -1.01% (upper mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.29 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Top sector: Industrials.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~96%).
  • Largest holding Larsen & Toubro Ltd (~8.2%).

Below is the key information for Franklin Build India Fund

Franklin Build India Fund
Growth
Launch Date 4 Sep 09
NAV (08 Aug 25) ₹138.945 ↓ -1.09   (-0.78 %)
Net Assets (Cr) ₹2,968 on 30 Jun 25
Category Equity - Sectoral
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk High
Expense Ratio 2.13
Sharpe Ratio -0.29
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹17,587
31 Jul 22₹19,236
31 Jul 23₹26,244
31 Jul 24₹44,020
31 Jul 25₹42,375

Franklin Build India Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹673,113.
Net Profit of ₹373,113
Invest Now

Returns for Franklin Build India Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25

DurationReturns
1 Month -3.4%
3 Month 6.1%
6 Month 8.1%
1 Year -1%
3 Year 28.8%
5 Year 32.8%
10 Year
15 Year
Since launch 18%
Historical performance (Yearly) on absolute basis
YearReturns
2024 27.8%
2023 51.1%
2022 11.2%
2021 45.9%
2020 5.4%
2019 6%
2018 -10.7%
2017 43.3%
2016 8.4%
2015 2.1%
Fund Manager information for Franklin Build India Fund
NameSinceTenure
Ajay Argal18 Oct 213.79 Yr.
Kiran Sebastian7 Feb 223.48 Yr.
Sandeep Manam18 Oct 213.79 Yr.

Data below for Franklin Build India Fund as on 30 Jun 25

Equity Sector Allocation
SectorValue
Industrials36.15%
Energy12.74%
Utility12.5%
Financial Services11.47%
Communication Services8.4%
Basic Materials6.9%
Real Estate3.07%
Consumer Cyclical2.66%
Technology1.91%
Asset Allocation
Asset ClassValue
Cash4.19%
Equity95.81%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 20 | LT
8%₹244 Cr665,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 21 | RELIANCE
6%₹180 Cr1,200,000
InterGlobe Aviation Ltd (Industrials)
Equity, Since 29 Feb 20 | INDIGO
6%₹179 Cr300,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 12 | 532174
6%₹173 Cr1,200,000
Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 30 Jun 19 | 500312
5%₹147 Cr6,000,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 09 | BHARTIARTL
5%₹143 Cr710,000
NTPC Ltd (Utilities)
Equity, Since 30 Nov 16 | 532555
5%₹138 Cr4,125,000
Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 12 | 532215
4%₹120 Cr1,000,000
Power Grid Corp Of India Ltd (Utilities)
Equity, Since 28 Feb 21 | 532898
4%₹108 Cr3,600,000
Tata Power Co Ltd (Utilities)
Equity, Since 31 Jan 25 | 500400
3%₹81 Cr2,000,000

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

To generate capital appreciation, from a portfolio that is substantially constituted of equity securities and equity related securities of corporates, which could benefit from structural changes brought about by continuing liberalization in economic policies by the government and/or continuing investments in infrastructure, both by the public and private sector.

Research Highlights for DSP India T.I.G.E.R Fund

  • Lower mid AUM (₹5,517 Cr).
  • Oldest track record among peers (21 yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: High.
  • 5Y return: 32.58% (bottom quartile).
  • 3Y return: 26.90% (bottom quartile).
  • 1Y return: -7.54% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: -0.36 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Top sector: Industrials.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~93%).
  • Largest holding Larsen & Toubro Ltd (~4.6%).

Below is the key information for DSP India T.I.G.E.R Fund

DSP India T.I.G.E.R Fund
Growth
Launch Date 11 Jun 04
NAV (08 Aug 25) ₹305.144 ↓ -3.22   (-1.04 %)
Net Assets (Cr) ₹5,517 on 30 Jun 25
Category Equity - Sectoral
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk High
Expense Ratio 2.05
Sharpe Ratio -0.36
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 500
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹18,502
31 Jul 22₹20,142
31 Jul 23₹27,621
31 Jul 24₹47,125
31 Jul 25₹42,767

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

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹673,113.
Net Profit of ₹373,113
Invest Now

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

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25

DurationReturns
1 Month -4.7%
3 Month 7%
6 Month 6.2%
1 Year -7.5%
3 Year 26.9%
5 Year 32.6%
10 Year
15 Year
Since launch 17.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 32.4%
2023 49%
2022 13.9%
2021 51.6%
2020 2.7%
2019 6.7%
2018 -17.2%
2017 47%
2016 4.1%
2015 0.7%
Fund Manager information for DSP India T.I.G.E.R Fund
NameSinceTenure
Rohit Singhania21 Jun 1015.12 Yr.

Data below for DSP India T.I.G.E.R Fund as on 30 Jun 25

Equity Sector Allocation
SectorValue
Industrials28.5%
Basic Materials15.17%
Utility10.47%
Financial Services10.42%
Consumer Cyclical8.59%
Health Care6.63%
Energy5.45%
Communication Services2.61%
Technology2.16%
Real Estate1.62%
Consumer Defensive1.27%
Asset Allocation
Asset ClassValue
Cash7.11%
Equity92.89%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 04 | LT
5%₹256 Cr697,669
NTPC Ltd (Utilities)
Equity, Since 30 Nov 17 | 532555
4%₹239 Cr7,145,883
Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 31 Dec 24 | APOLLOHOSP
3%₹178 Cr245,928
Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jan 25 | 532898
3%₹167 Cr5,567,574
Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 31 May 25 | MCX
3%₹147 Cr164,204
Rainbow Childrens Medicare Ltd (Healthcare)
Equity, Since 31 Jan 25 | 543524
3%₹146 Cr935,870
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Dec 24 | AMBER
3%₹140 Cr207,277
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 18 | BHARTIARTL
3%₹138 Cr688,435
Kirloskar Oil Engines Ltd (Industrials)
Equity, Since 31 Mar 23 | KIRLOSENG
2%₹137 Cr1,608,534
Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Mar 14 | SOLARINDS
2%₹132 Cr75,291

financial planning is the key to managing your Income and expenditures. So, what is your financial goal? Analyse and invest wisely!

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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Sheila, posted on 1 Nov 18 10:23 PM

Great Read. Clarified my doubts.

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