+91-22-48913909Mutual Fund vs FD (Fixed Deposit)
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.
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 Funds 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 |
Fund Selection Methodology used to find 7 funds
Best Mutual Funds to Invest in 2026
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) SBI PSU Fund Growth ₹35.3653
↑ 0.08 ₹5,817 6.1 13.9 21.8 32.7 28.4 11.3 ICICI Prudential Infrastructure Fund Growth ₹195.39
↓ -0.45 ₹8,134 -1.7 2 9.7 25.3 27.7 6.7 Invesco India PSU Equity Fund Growth ₹66.66
↓ -0.26 ₹1,449 1.5 8 19.7 31.1 26.8 10.3 DSP World Gold Fund Growth ₹57.6652
↓ -3.01 ₹1,756 40 75.8 134.7 49.4 26.1 167.1 Motilal Oswal Midcap 30 Fund Growth ₹93.5699
↓ -0.34 ₹36,880 -9 -7.6 -3.2 22.9 24.6 -12.1 DSP India T.I.G.E.R Fund Growth ₹315.953
↑ 0.08 ₹5,323 0 2.4 9.6 25.1 24.6 -2.5 Nippon India Small Cap Fund Growth ₹161.337
↓ -0.54 ₹68,287 -4.6 -3.3 1.5 20.9 24.5 -4.7 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 6 Feb 26 Research Highlights & Commentary of 7 Funds showcased
Commentary SBI PSU Fund ICICI Prudential Infrastructure Fund Invesco India PSU Equity Fund DSP World Gold Fund Motilal Oswal Midcap 30 Fund DSP India T.I.G.E.R Fund Nippon India Small Cap Fund Point 1 Lower mid AUM (₹5,817 Cr). Upper mid AUM (₹8,134 Cr). Bottom quartile AUM (₹1,449 Cr). Bottom quartile AUM (₹1,756 Cr). Upper mid AUM (₹36,880 Cr). Lower mid AUM (₹5,323 Cr). Highest AUM (₹68,287 Cr). Point 2 Established history (15+ yrs). Established history (20+ yrs). Established history (16+ yrs). Established history (18+ yrs). Established history (11+ yrs). Oldest track record among peers (21 yrs). Established history (15+ yrs). Point 3 Rating: 2★ (bottom quartile). Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Top rated. Rating: 4★ (upper mid). Point 4 Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: Moderately High. Risk profile: High. Risk profile: Moderately High. Point 5 5Y return: 28.40% (top quartile). 5Y return: 27.73% (upper mid). 5Y return: 26.81% (upper mid). 5Y return: 26.14% (lower mid). 5Y return: 24.62% (lower mid). 5Y return: 24.57% (bottom quartile). 5Y return: 24.54% (bottom quartile). Point 6 3Y return: 32.69% (upper mid). 3Y return: 25.28% (lower mid). 3Y return: 31.06% (upper mid). 3Y return: 49.36% (top quartile). 3Y return: 22.90% (bottom quartile). 3Y return: 25.14% (lower mid). 3Y return: 20.87% (bottom quartile). Point 7 1Y return: 21.79% (upper mid). 1Y return: 9.66% (lower mid). 1Y return: 19.66% (upper mid). 1Y return: 134.74% (top quartile). 1Y return: -3.18% (bottom quartile). 1Y return: 9.63% (lower mid). 1Y return: 1.54% (bottom quartile). Point 8 Alpha: -0.22 (lower mid). Alpha: 0.00 (upper mid). Alpha: -1.90 (bottom quartile). Alpha: 1.32 (top quartile). Alpha: -18.12 (bottom quartile). Alpha: 0.00 (upper mid). Alpha: -1.23 (lower mid). Point 9 Sharpe: 0.33 (upper mid). Sharpe: 0.12 (lower mid). Sharpe: 0.27 (upper mid). Sharpe: 3.42 (top quartile). Sharpe: -0.79 (bottom quartile). Sharpe: -0.31 (lower mid). Sharpe: -0.42 (bottom quartile). Point 10 Information ratio: -0.47 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: -0.37 (lower mid). Information ratio: -0.67 (bottom quartile). Information ratio: 0.10 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: -0.02 (lower mid). SBI PSU Fund
ICICI Prudential Infrastructure Fund
Invesco India PSU Equity Fund
DSP World Gold Fund
Motilal Oswal Midcap 30 Fund
DSP India T.I.G.E.R Fund
Nippon India Small Cap Fund
*Below is the list of 7 best mutual funds having Net Assets/AUM higher than The objective of the scheme would be to provide investors with opportunities for long-term growth in capital along with the liquidity of an open-ended scheme through an active management of investments in a diversified basket of equity stocks of domestic Public Sector Undertakings and in debt and money market instruments issued by PSUs AND others. Research Highlights for SBI PSU Fund Below is the key information for SBI PSU Fund Returns up to 1 year are on 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 Below is the key information for ICICI Prudential Infrastructure Fund Returns up to 1 year are on To generate capital appreciation by investing in Equity and Equity Related Instruments of companies where the Central / State Government(s) has majority shareholding or management control or has powers to appoint majority of directors. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns. Research Highlights for Invesco India PSU Equity Fund Below is the key information for Invesco India PSU Equity Fund Returns up to 1 year are on "The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized." Research Highlights for DSP World Gold Fund Below is the key information for DSP World Gold Fund Returns up to 1 year are on (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 Below is the key information for Motilal Oswal Midcap 30 Fund Returns up to 1 year are on 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 Below is the key information for DSP India T.I.G.E.R Fund Returns up to 1 year are on 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 Below is the key information for Nippon India Small Cap Fund Returns up to 1 year are on 100 Crore. Sorted on 5 year CAGR/Annualized returns.
1. SBI PSU Fund
SBI PSU Fund
Growth Launch Date 7 Jul 10 NAV (06 Feb 26) ₹35.3653 ↑ 0.08 (0.22 %) Net Assets (Cr) ₹5,817 on 31 Dec 25 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating ☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio 0.33 Information Ratio -0.47 Alpha Ratio -0.22 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.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹14,656 31 Jan 23 ₹17,067 31 Jan 24 ₹30,032 31 Jan 25 ₹32,242 31 Jan 26 ₹38,028 Returns for SBI PSU Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Feb 26 Duration Returns 1 Month 2.2% 3 Month 6.1% 6 Month 13.9% 1 Year 21.8% 3 Year 32.7% 5 Year 28.4% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 11.3% 2023 23.5% 2022 54% 2021 29% 2020 32.4% 2019 -10% 2018 6% 2017 -23.8% 2016 21.9% 2015 16.2% Fund Manager information for SBI PSU Fund
Name Since Tenure Rohit Shimpi 1 Jun 24 1.59 Yr. Data below for SBI PSU Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Financial Services 35.24% Utility 29.32% Energy 13.87% Industrials 12% Basic Materials 6.69% Asset Allocation
Asset Class Value Cash 2.8% Equity 97.11% Debt 0.08% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank of India (Financial Services)
Equity, Since 31 Jul 10 | SBIN17% ₹975 Cr 9,927,500 Bharat Electronics Ltd (Industrials)
Equity, Since 30 Jun 24 | BEL9% ₹518 Cr 12,975,000 NTPC Ltd (Utilities)
Equity, Since 31 Jul 10 | 5325559% ₹509 Cr 15,443,244
↑ 900,000 GAIL (India) Ltd (Utilities)
Equity, Since 31 May 24 | 5321559% ₹502 Cr 29,150,000
↑ 3,400,000 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jul 10 | 5328988% ₹467 Cr 17,635,554
↑ 1,100,000 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 31 Aug 24 | 5005476% ₹372 Cr 9,700,000 Bank of Baroda (Financial Services)
Equity, Since 31 Aug 24 | 5321346% ₹325 Cr 11,000,000 NMDC Ltd (Basic Materials)
Equity, Since 31 Oct 23 | 5263714% ₹232 Cr 27,900,000 Indian Bank (Financial Services)
Equity, Since 30 Jun 21 | 5328143% ₹203 Cr 2,427,235 Oil India Ltd (Energy)
Equity, Since 31 Mar 24 | OIL3% ₹163 Cr 3,850,000 2. ICICI Prudential Infrastructure Fund
ICICI Prudential Infrastructure Fund
Growth Launch Date 31 Aug 05 NAV (06 Feb 26) ₹195.39 ↓ -0.45 (-0.23 %) Net Assets (Cr) ₹8,134 on 31 Dec 25 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio 0.12 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 Jan 21 ₹10,000 31 Jan 22 ₹16,042 31 Jan 23 ₹19,152 31 Jan 24 ₹29,825 31 Jan 25 ₹34,393 31 Jan 26 ₹36,891 Returns for ICICI Prudential Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Feb 26 Duration Returns 1 Month -2.1% 3 Month -1.7% 6 Month 2% 1 Year 9.7% 3 Year 25.3% 5 Year 27.7% 10 Year 15 Year Since launch 15.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.7% 2023 27.4% 2022 44.6% 2021 28.8% 2020 50.1% 2019 3.6% 2018 2.6% 2017 -14% 2016 40.8% 2015 2% Fund Manager information for ICICI Prudential Infrastructure Fund
Name Since Tenure Ihab Dalwai 3 Jun 17 8.59 Yr. Sharmila D’mello 30 Jun 22 3.51 Yr. Data below for ICICI Prudential Infrastructure Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Industrials 46.72% Financial Services 13.08% Basic Materials 11.19% Utility 10.14% Energy 8.12% Real Estate 4.42% Consumer Cyclical 1.99% Communication Services 0.86% Asset Allocation
Asset Class Value Cash 3.15% Equity 96.85% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 09 | LT9% ₹717 Cr 1,755,704 InterGlobe Aviation Ltd (Industrials)
Equity, Since 28 Feb 23 | INDIGO7% ₹565 Cr 1,116,358
↑ 891,940 NTPC Ltd (Utilities)
Equity, Since 29 Feb 16 | 5325554% ₹342 Cr 10,376,448
↓ -600,000 Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 May 24 | ADANIPORTS3% ₹250 Cr 1,700,000
↓ -154,934 AIA Engineering Ltd (Industrials)
Equity, Since 28 Feb 21 | AIAENG3% ₹246 Cr 612,120
↓ -57,631 Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 23 | RELIANCE3% ₹240 Cr 1,529,725 Kalpataru Projects International Ltd (Industrials)
Equity, Since 30 Sep 06 | KPIL3% ₹230 Cr 1,911,120
↑ 107,554 Axis Bank Ltd (Financial Services)
Equity, Since 31 Dec 20 | 5322153% ₹214 Cr 1,683,557 IndusInd Bank Ltd (Financial Services)
Equity, Since 31 Oct 24 | INDUSINDBK3% ₹209 Cr 2,424,016 NCC Ltd (Industrials)
Equity, Since 31 Aug 21 | NCC3% ₹209 Cr 13,053,905 3. Invesco India PSU Equity Fund
Invesco India PSU Equity Fund
Growth Launch Date 18 Nov 09 NAV (06 Feb 26) ₹66.66 ↓ -0.26 (-0.39 %) Net Assets (Cr) ₹1,449 on 31 Dec 25 Category Equity - Sectoral AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk High Expense Ratio 2.14 Sharpe Ratio 0.27 Information Ratio -0.37 Alpha Ratio -1.9 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.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹13,872 31 Jan 23 ₹15,622 31 Jan 24 ₹26,577 31 Jan 25 ₹29,948 31 Jan 26 ₹35,297 Returns for Invesco India PSU Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Feb 26 Duration Returns 1 Month -1.1% 3 Month 1.5% 6 Month 8% 1 Year 19.7% 3 Year 31.1% 5 Year 26.8% 10 Year 15 Year Since launch 12.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 10.3% 2023 25.6% 2022 54.5% 2021 20.5% 2020 31.1% 2019 6.1% 2018 10.1% 2017 -16.9% 2016 24.3% 2015 17.9% Fund Manager information for Invesco India PSU Equity Fund
Name Since Tenure Hiten Jain 1 Jul 25 0.5 Yr. Sagar Gandhi 1 Jul 25 0.5 Yr. Data below for Invesco India PSU Equity Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Industrials 31.01% Financial Services 29.88% Utility 19.12% Energy 13.49% Basic Materials 3.52% Consumer Cyclical 1.22% Asset Allocation
Asset Class Value Cash 1.76% Equity 98.24% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank of India (Financial Services)
Equity, Since 28 Feb 21 | SBIN9% ₹136 Cr 1,387,617
↓ -38,697 Bharat Electronics Ltd (Industrials)
Equity, Since 31 Mar 17 | BEL8% ₹120 Cr 2,997,692 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 30 Sep 18 | 5005477% ₹104 Cr 2,717,009
↓ -184,556 Indian Bank (Financial Services)
Equity, Since 30 Jun 21 | 5328147% ₹97 Cr 1,157,444
↑ 76,826 NTPC Green Energy Ltd (Utilities)
Equity, Since 30 Nov 24 | NTPCGREEN6% ₹86 Cr 9,129,820
↑ 339,034 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | HAL6% ₹86 Cr 196,158 Bank of Baroda (Financial Services)
Equity, Since 30 Jun 21 | 5321345% ₹66 Cr 2,244,222
↑ 127,830 Bharat Dynamics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | BDL5% ₹65 Cr 445,685
↑ 21,640 Dredging Corp of India Ltd (Industrials)
Equity, Since 31 Jul 25 | DREDGECORP4% ₹64 Cr 646,300 NTPC Ltd (Utilities)
Equity, Since 31 May 19 | 5325554% ₹59 Cr 1,801,543
↓ -223,420 4. DSP World Gold Fund
DSP World Gold Fund
Growth Launch Date 14 Sep 07 NAV (05 Feb 26) ₹57.6652 ↓ -3.01 (-4.96 %) Net Assets (Cr) ₹1,756 on 31 Dec 25 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.41 Sharpe Ratio 3.42 Information Ratio -0.67 Alpha Ratio 1.32 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.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹8,807 31 Jan 23 ₹9,422 31 Jan 24 ₹8,517 31 Jan 25 ₹12,548 31 Jan 26 ₹33,170 Returns for DSP World Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Feb 26 Duration Returns 1 Month 5.4% 3 Month 40% 6 Month 75.8% 1 Year 134.7% 3 Year 49.4% 5 Year 26.1% 10 Year 15 Year Since launch 10% Historical performance (Yearly) on absolute basis
Year Returns 2024 167.1% 2023 15.9% 2022 7% 2021 -7.7% 2020 -9% 2019 31.4% 2018 35.1% 2017 -10.7% 2016 -4% 2015 52.7% Fund Manager information for DSP World Gold Fund
Name Since Tenure Jay Kothari 1 Mar 13 12.85 Yr. Data below for DSP World Gold Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Basic Materials 94.95% Asset Allocation
Asset Class Value Cash 2.43% Equity 94.95% Debt 0.01% Other 2.6% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Gold I2
Investment Fund | -74% ₹1,294 Cr 1,219,254
↓ -59,731 VanEck Gold Miners ETF
- | GDX25% ₹442 Cr 573,719 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -2% ₹28 Cr Net Receivables/Payables
Net Current Assets | -0% -₹8 Cr 5. Motilal Oswal Midcap 30 Fund
Motilal Oswal Midcap 30 Fund
Growth Launch Date 24 Feb 14 NAV (06 Feb 26) ₹93.5699 ↓ -0.34 (-0.36 %) Net Assets (Cr) ₹36,880 on 31 Dec 25 Category Equity - Mid Cap AMC Motilal Oswal Asset Management Co. Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 1.56 Sharpe Ratio -0.79 Information Ratio 0.1 Alpha Ratio -18.12 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.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹15,611 31 Jan 23 ₹17,167 31 Jan 24 ₹25,382 31 Jan 25 ₹32,939 31 Jan 26 ₹31,530 Returns for Motilal Oswal Midcap 30 Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Feb 26 Duration Returns 1 Month -5.6% 3 Month -9% 6 Month -7.6% 1 Year -3.2% 3 Year 22.9% 5 Year 24.6% 10 Year 15 Year Since launch 20.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 -12.1% 2023 57.1% 2022 41.7% 2021 10.7% 2020 55.8% 2019 9.3% 2018 9.7% 2017 -12.7% 2016 30.8% 2015 5.2% Fund Manager information for Motilal Oswal Midcap 30 Fund
Name Since Tenure Ajay Khandelwal 1 Oct 24 1.25 Yr. Niket Shah 1 Jul 20 5.51 Yr. Rakesh Shetty 22 Nov 22 3.11 Yr. Sunil Sawant 1 Jul 24 1.5 Yr. Data below for Motilal Oswal Midcap 30 Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Technology 34.62% Consumer Cyclical 15.12% Industrials 10.84% Financial Services 10.65% Communication Services 9.14% Real Estate 2.38% Health Care 0.85% Asset Allocation
Asset Class Value Cash 18.4% Equity 81.6% Top Securities Holdings / Portfolio
Name Holding Value Quantity Persistent Systems Ltd (Technology)
Equity, Since 31 Jan 23 | PERSISTENT10% ₹3,744 Cr 5,969,840
↓ -30,160 Coforge Ltd (Technology)
Equity, Since 31 Mar 23 | COFORGE9% ₹3,284 Cr 19,750,000 One97 Communications Ltd (Technology)
Equity, Since 30 Sep 24 | 5433968% ₹2,923 Cr 22,501,127
↑ 21,166 Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 29 Feb 24 | KALYANKJIL8% ₹2,914 Cr 60,043,240 Dixon Technologies (India) Ltd (Technology)
Equity, Since 31 Mar 23 | DIXON7% ₹2,541 Cr 2,100,000 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Aug 25 | 5433206% ₹2,127 Cr 76,501,000
↓ -33,500,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Nov 25 | BHARTIARTL5% ₹2,004 Cr 9,517,664
↑ 17,664 KEI Industries Ltd (Industrials)
Equity, Since 30 Nov 24 | KEI5% ₹1,784 Cr 4,000,000 Aditya Birla Capital Ltd (Financial Services)
Equity, Since 30 Jun 25 | ABCAPITAL5% ₹1,699 Cr 47,500,000 Bharti Hexacom Ltd (Communication Services)
Equity, Since 31 Oct 24 | BHARTIHEXA4% ₹1,366 Cr 7,500,000 6. DSP India T.I.G.E.R Fund
DSP India T.I.G.E.R Fund
Growth Launch Date 11 Jun 04 NAV (06 Feb 26) ₹315.953 ↑ 0.08 (0.03 %) Net Assets (Cr) ₹5,323 on 31 Dec 25 Category Equity - Sectoral AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio -0.31 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.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹15,028 31 Jan 23 ₹16,816 31 Jan 24 ₹26,495 31 Jan 25 ₹30,221 31 Jan 26 ₹31,981 Returns for DSP India T.I.G.E.R Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Feb 26 Duration Returns 1 Month -0.9% 3 Month 0% 6 Month 2.4% 1 Year 9.6% 3 Year 25.1% 5 Year 24.6% 10 Year 15 Year Since launch 17.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 -2.5% 2023 32.4% 2022 49% 2021 13.9% 2020 51.6% 2019 2.7% 2018 6.7% 2017 -17.2% 2016 47% 2015 4.1% Fund Manager information for DSP India T.I.G.E.R Fund
Name Since Tenure Rohit Singhania 21 Jun 10 15.54 Yr. Data below for DSP India T.I.G.E.R Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Industrials 30.1% Basic Materials 14.02% Financial Services 11.6% Utility 10.47% Consumer Cyclical 8.71% Energy 7.67% Health Care 5.45% Communication Services 3.33% Technology 1.7% Real Estate 1.7% Consumer Defensive 1.36% Asset Allocation
Asset Class Value Cash 3.89% Equity 96.11% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 04 | LT5% ₹284 Cr 694,468
↓ -3,201 NTPC Ltd (Utilities)
Equity, Since 30 Nov 17 | 5325554% ₹235 Cr 7,145,883 Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 31 Dec 24 | APOLLOHOSP3% ₹173 Cr 245,928 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 18 | BHARTIARTL3% ₹171 Cr 812,745
↑ 56,591 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 31 May 25 | MCX3% ₹152 Cr 136,165 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jan 25 | 5328983% ₹147 Cr 5,567,574 Kirloskar Oil Engines Ltd (Industrials)
Equity, Since 31 Mar 23 | KIRLOSENG3% ₹141 Cr 1,154,264
↓ -258,148 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Oct 25 | HAL3% ₹134 Cr 305,098 Coal India Ltd (Energy)
Equity, Since 31 Dec 23 | COALINDIA2% ₹133 Cr 3,321,453 Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Dec 24 | AMBER2% ₹126 Cr 197,265 7. Nippon India Small Cap Fund
Nippon India Small Cap Fund
Growth Launch Date 16 Sep 10 NAV (06 Feb 26) ₹161.337 ↓ -0.54 (-0.33 %) Net Assets (Cr) ₹68,287 on 31 Dec 25 Category Equity - Small Cap AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.44 Sharpe Ratio -0.42 Information Ratio -0.02 Alpha Ratio -1.23 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 Jan 21 ₹10,000 31 Jan 22 ₹17,257 31 Jan 23 ₹18,306 31 Jan 24 ₹28,687 31 Jan 25 ₹31,667 31 Jan 26 ₹31,833 Returns for Nippon India Small Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Feb 26 Duration Returns 1 Month -3.3% 3 Month -4.6% 6 Month -3.3% 1 Year 1.5% 3 Year 20.9% 5 Year 24.5% 10 Year 15 Year Since launch 19.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 -4.7% 2023 26.1% 2022 48.9% 2021 6.5% 2020 74.3% 2019 29.2% 2018 -2.5% 2017 -16.7% 2016 63% 2015 5.6% Fund Manager information for Nippon India Small Cap Fund
Name Since Tenure Samir Rachh 2 Jan 17 9 Yr. Kinjal Desai 25 May 18 7.61 Yr. Lokesh Maru 5 Sep 25 0.32 Yr. Divya Sharma 5 Sep 25 0.32 Yr. Data below for Nippon India Small Cap Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Industrials 19.8% Financial Services 16.77% Consumer Cyclical 14.25% Consumer Defensive 11.36% Basic Materials 10.68% Health Care 9.29% Technology 6.96% Utility 3% Energy 1.86% Communication Services 1.26% Real Estate 0.92% Asset Allocation
Asset Class Value Cash 3.83% Equity 96.17% Top Securities Holdings / Portfolio
Name Holding Value Quantity Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 28 Feb 21 | MCX3% ₹2,061 Cr 1,851,010 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 22 | HDFCBANK2% ₹1,318 Cr 13,300,000 State Bank of India (Financial Services)
Equity, Since 31 Oct 19 | SBIN1% ₹1,016 Cr 10,347,848 Karur Vysya Bank Ltd (Financial Services)
Equity, Since 28 Feb 17 | 5900031% ₹1,006 Cr 38,140,874 Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 30 Sep 22 | 5001031% ₹848 Cr 29,507,422 Emami Ltd (Consumer Defensive)
Equity, Since 31 Jul 23 | 5311621% ₹835 Cr 15,798,302
↑ 2,923,504 eClerx Services Ltd (Technology)
Equity, Since 31 Jul 20 | ECLERX1% ₹804 Cr 1,712,794 Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 24 | RELIANCE1% ₹780 Cr 4,964,128 Zydus Wellness Ltd (Consumer Defensive)
Equity, Since 31 Aug 16 | ZYDUSWELL1% ₹775 Cr 17,048,030
↑ 200,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Jul 24 | 5322151% ₹759 Cr 5,977,976
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Great Read. Clarified my doubts.