+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 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
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) ICICI Prudential Infrastructure Fund Growth ₹189.27
↓ -0.79 ₹7,941 -2.2 15.7 -3 28 33 27.4 Motilal Oswal Midcap 30 Fund Growth ₹101.99
↓ -0.51 ₹33,609 1.9 15 0.1 28.1 32.2 57.1 Nippon India Small Cap Fund Growth ₹164.4
↓ -0.52 ₹65,922 -0.6 17.9 -7.9 23 31 26.1 Bandhan Infrastructure Fund Growth ₹48.543
↓ -0.14 ₹1,676 -4.4 19.1 -12.7 25.9 30.9 39.3 HDFC Infrastructure Fund Growth ₹46.343
↓ -0.12 ₹2,540 -2.3 17 -5.8 27.4 30.7 23 DSP India T.I.G.E.R Fund Growth ₹305.411
↓ -0.83 ₹5,406 -1.1 18 -9.8 25.6 30.5 32.4 Franklin Build India Fund Growth ₹137.689
↓ -0.46 ₹2,950 -0.7 16.8 -5.2 27.1 30.4 27.8 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Aug 25 Research Highlights & Commentary of 7 Funds showcased
Commentary ICICI Prudential Infrastructure Fund Motilal Oswal Midcap 30 Fund Nippon India Small Cap Fund Bandhan Infrastructure Fund HDFC Infrastructure Fund DSP India T.I.G.E.R Fund Franklin Build India Fund Point 1 Upper mid AUM (₹7,941 Cr). Upper mid AUM (₹33,609 Cr). Highest AUM (₹65,922 Cr). Bottom quartile AUM (₹1,676 Cr). Bottom quartile AUM (₹2,540 Cr). Lower mid AUM (₹5,406 Cr). Lower mid AUM (₹2,950 Cr). Point 2 Established history (20+ yrs). Established history (11+ yrs). Established history (14+ yrs). Established history (14+ yrs). Established history (17+ yrs). Oldest track record among peers (21 yrs). Established history (15+ yrs). Point 3 Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Rating: 4★ (upper mid). Top rated. Rating: 3★ (bottom quartile). Rating: 4★ (lower mid). Rating: 5★ (upper mid). Point 4 Risk profile: High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: High. Point 5 5Y return: 33.02% (top quartile). 5Y return: 32.15% (upper mid). 5Y return: 31.05% (upper mid). 5Y return: 30.90% (lower mid). 5Y return: 30.69% (lower mid). 5Y return: 30.53% (bottom quartile). 5Y return: 30.36% (bottom quartile). Point 6 3Y return: 28.04% (upper mid). 3Y return: 28.09% (top quartile). 3Y return: 22.96% (bottom quartile). 3Y return: 25.93% (lower mid). 3Y return: 27.37% (upper mid). 3Y return: 25.63% (bottom quartile). 3Y return: 27.14% (lower mid). Point 7 1Y return: -3.01% (upper mid). 1Y return: 0.15% (top quartile). 1Y return: -7.92% (lower mid). 1Y return: -12.67% (bottom quartile). 1Y return: -5.80% (lower mid). 1Y return: -9.79% (bottom quartile). 1Y return: -5.24% (upper mid). Point 8 Alpha: 0.00 (upper mid). Alpha: 3.70 (top quartile). Alpha: -3.84 (bottom quartile). Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Point 9 Sharpe: -0.42 (upper mid). Sharpe: -0.11 (top quartile). Sharpe: -0.51 (lower mid). Sharpe: -0.69 (bottom quartile). Sharpe: -0.56 (lower mid). Sharpe: -0.65 (bottom quartile). Sharpe: -0.51 (upper mid). Point 10 Information ratio: 0.00 (upper mid). Information ratio: 0.44 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). ICICI Prudential Infrastructure Fund
Motilal Oswal Midcap 30 Fund
Nippon India Small Cap Fund
Bandhan Infrastructure Fund
HDFC Infrastructure Fund
DSP India T.I.G.E.R Fund
Franklin Build India Fund
*Below is the list of 7 best mutual funds having Net Assets/AUM higher than 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 (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 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 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 Below is the key information for Bandhan Infrastructure Fund Returns up to 1 year are on 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 Below is the key information for HDFC Infrastructure 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 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 Below is the key information for Franklin Build India Fund Returns up to 1 year are on 100 Crore. Sorted on 5 year CAGR/Annualized returns.
1. ICICI Prudential Infrastructure Fund
ICICI Prudential Infrastructure Fund
Growth Launch Date 31 Aug 05 NAV (29 Aug 25) ₹189.27 ↓ -0.79 (-0.42 %) Net Assets (Cr) ₹7,941 on 31 Jul 25 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio -0.42 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 Aug 20 ₹10,000 31 Aug 21 ₹17,110 31 Aug 22 ₹20,943 31 Aug 23 ₹27,806 31 Aug 24 ₹44,803 31 Aug 25 ₹43,202 Returns for ICICI Prudential Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Aug 25 Duration Returns 1 Month -2.7% 3 Month -2.2% 6 Month 15.7% 1 Year -3% 3 Year 28% 5 Year 33% 10 Year 15 Year Since launch 15.8% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Ihab Dalwai 3 Jun 17 8.17 Yr. Sharmila D’mello 30 Jun 22 3.09 Yr. Data below for ICICI Prudential Infrastructure Fund as on 31 Jul 25
Equity Sector Allocation
Sector Value Industrials 38.68% Basic Materials 16.98% Financial Services 16.27% Utility 9.82% Energy 7.24% Real Estate 2.75% Consumer Cyclical 1.63% Communication Services 1.14% Asset Allocation
Asset Class Value Cash 5.5% Equity 94.5% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 09 | LT9% ₹727 Cr 1,980,204
↓ -150,000 NTPC Ltd (Utilities)
Equity, Since 29 Feb 16 | 5325554% ₹358 Cr 10,679,473
↑ 3,079,473 Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 May 24 | ADANIPORTS4% ₹329 Cr 2,268,659
↓ -200,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 23 | RELIANCE4% ₹290 Cr 1,929,725
↑ 266,998 NCC Ltd (Industrials)
Equity, Since 31 Aug 21 | NCC4% ₹289 Cr 12,522,005 Vedanta Ltd (Basic Materials)
Equity, Since 31 Jul 24 | 5002954% ₹284 Cr 6,158,750
↑ 935,088 JM Financial Ltd (Financial Services)
Equity, Since 31 Oct 21 | JMFINANCIL3% ₹247 Cr 15,506,510
↓ -2,256,731 Axis Bank Ltd (Financial Services)
Equity, Since 31 Dec 20 | 5322153% ₹227 Cr 1,896,057
↑ 400,000 Kalpataru Projects International Ltd (Industrials)
Equity, Since 30 Sep 06 | KPIL3% ₹221 Cr 1,803,566
↓ -100,000 AIA Engineering Ltd (Industrials)
Equity, Since 28 Feb 21 | AIAENG3% ₹219 Cr 660,770
↑ 120,000 2. Motilal Oswal Midcap 30 Fund
Motilal Oswal Midcap 30 Fund
Growth Launch Date 24 Feb 14 NAV (29 Aug 25) ₹101.99 ↓ -0.51 (-0.50 %) Net Assets (Cr) ₹33,609 on 31 Jul 25 Category Equity - Mid Cap AMC Motilal Oswal Asset Management Co. Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 1.56 Sharpe Ratio -0.11 Information Ratio 0.44 Alpha Ratio 3.7 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 Aug 20 ₹10,000 31 Aug 21 ₹16,108 31 Aug 22 ₹20,215 31 Aug 23 ₹25,558 31 Aug 24 ₹41,687 31 Aug 25 ₹41,704 Returns for Motilal Oswal Midcap 30 Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Aug 25 Duration Returns 1 Month 0.4% 3 Month 1.9% 6 Month 15% 1 Year 0.1% 3 Year 28.1% 5 Year 32.2% 10 Year 15 Year Since launch 22.4% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Ajay Khandelwal 1 Oct 24 0.83 Yr. Niket Shah 1 Jul 20 5.09 Yr. Rakesh Shetty 22 Nov 22 2.69 Yr. Sunil Sawant 1 Jul 24 1.08 Yr. Data below for Motilal Oswal Midcap 30 Fund as on 31 Jul 25
Equity Sector Allocation
Sector Value Technology 33.7% Industrials 18.11% Consumer Cyclical 17.65% Health Care 4.49% Communication Services 3.99% Real Estate 2.83% Financial Services 2.61% Asset Allocation
Asset Class Value Cash 17.17% Equity 82.83% Top Securities Holdings / Portfolio
Name Holding Value Quantity Coforge Ltd (Technology)
Equity, Since 31 Mar 23 | COFORGE10% ₹3,464 Cr 18,000,000 Persistent Systems Ltd (Technology)
Equity, Since 31 Jan 23 | PERSISTENT10% ₹3,172 Cr 5,250,000 Trent Ltd (Consumer Cyclical)
Equity, Since 30 Nov 24 | 5002519% ₹3,104 Cr 4,992,139
↑ 2,848,945 Dixon Technologies (India) Ltd (Technology)
Equity, Since 31 Mar 23 | DIXON9% ₹2,997 Cr 1,999,999
↑ 1,164,799 Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 29 Feb 24 | KALYANKJIL8% ₹2,501 Cr 45,000,000
↑ 1,509,750 Polycab India Ltd (Industrials)
Equity, Since 30 Sep 23 | POLYCAB5% ₹1,671 Cr 2,550,000
↑ 50,000 KEI Industries Ltd (Industrials)
Equity, Since 30 Nov 24 | KEI4% ₹1,327 Cr 3,500,000
↑ 750,000 Bharti Hexacom Ltd (Communication Services)
Equity, Since 31 Oct 24 | BHARTIHEXA4% ₹1,318 Cr 6,750,000 Max Healthcare Institute Ltd Ordinary Shares (Healthcare)
Equity, Since 31 Mar 24 | MAXHEALTH4% ₹1,272 Cr 9,969,361 Kaynes Technology India Ltd (Industrials)
Equity, Since 30 Jun 25 | KAYNES3% ₹975 Cr 1,599,306
↑ 1,599,306 3. Nippon India Small Cap Fund
Nippon India Small Cap Fund
Growth Launch Date 16 Sep 10 NAV (29 Aug 25) ₹164.4 ↓ -0.52 (-0.31 %) Net Assets (Cr) ₹65,922 on 31 Jul 25 Category Equity - Small Cap AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.44 Sharpe Ratio -0.51 Information Ratio 0 Alpha Ratio -3.84 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 Aug 20 ₹10,000 31 Aug 21 ₹19,171 31 Aug 22 ₹22,076 31 Aug 23 ₹29,854 31 Aug 24 ₹44,369 31 Aug 25 ₹40,510 Returns for Nippon India Small Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Aug 25 Duration Returns 1 Month -3.4% 3 Month -0.6% 6 Month 17.9% 1 Year -7.9% 3 Year 23% 5 Year 31% 10 Year 15 Year Since launch 20.6% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Samir Rachh 2 Jan 17 8.58 Yr. Kinjal Desai 25 May 18 7.19 Yr. Data below for Nippon India Small Cap Fund as on 31 Jul 25
Equity Sector Allocation
Sector Value Industrials 23.43% Financial Services 14.84% Consumer Cyclical 14.65% Basic Materials 12.82% Health Care 8.57% Consumer Defensive 8.11% Technology 7.37% Utility 2.24% Energy 1.77% Communication Services 1.45% Real Estate 0.69% Asset Allocation
Asset Class Value Cash 4.05% Equity 95.95% Top Securities Holdings / Portfolio
Name Holding Value Quantity Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 28 Feb 21 | MCX2% ₹1,656 Cr 1,851,010 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 22 | HDFCBANK2% ₹1,331 Cr 6,650,000 Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Oct 12 | KIRLOSBROS2% ₹1,054 Cr 4,472,130 Karur Vysya Bank Ltd (Financial Services)
Equity, Since 28 Feb 17 | 5900031% ₹850 Cr 31,784,062 ELANTAS Beck India Ltd (Basic Materials)
Equity, Since 28 Feb 13 | 5001231% ₹827 Cr 651,246
↑ 36,498 Apar Industries Ltd (Industrials)
Equity, Since 31 Mar 17 | APARINDS1% ₹784 Cr 899,271 Tube Investments of India Ltd Ordinary Shares (Industrials)
Equity, Since 30 Apr 18 | TIINDIA1% ₹777 Cr 2,499,222 State Bank of India (Financial Services)
Equity, Since 31 Oct 19 | SBIN1% ₹747 Cr 9,100,000 Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 30 Sep 22 | 5001031% ₹732 Cr 27,500,000 Pfizer Ltd (Healthcare)
Equity, Since 28 Feb 22 | PFIZER1% ₹685 Cr 1,206,103 4. Bandhan Infrastructure Fund
Bandhan Infrastructure Fund
Growth Launch Date 8 Mar 11 NAV (29 Aug 25) ₹48.543 ↓ -0.14 (-0.29 %) Net Assets (Cr) ₹1,676 on 31 Jul 25 Category Equity - Sectoral AMC IDFC Asset Management Company Limited Rating ☆☆☆☆☆ Risk High Expense Ratio 2.1 Sharpe Ratio -0.69 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.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹19,221 31 Aug 22 ₹20,185 31 Aug 23 ₹26,032 31 Aug 24 ₹45,976 31 Aug 25 ₹39,818 Returns for Bandhan Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Aug 25 Duration Returns 1 Month -3.4% 3 Month -4.4% 6 Month 19.1% 1 Year -12.7% 3 Year 25.9% 5 Year 30.9% 10 Year 15 Year Since launch 11.5% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Vishal Biraia 24 Jan 24 1.52 Yr. Ritika Behera 7 Oct 23 1.82 Yr. Gaurav Satra 7 Jun 24 1.15 Yr. Data below for Bandhan Infrastructure Fund as on 31 Jul 25
Equity Sector Allocation
Sector Value Industrials 53.42% Utility 12.27% Basic Materials 7.58% Communication Services 4.88% Energy 3.88% Financial Services 3.7% Technology 2.53% Health Care 1.87% Consumer Cyclical 1.71% Real Estate 0.63% Asset Allocation
Asset Class Value Cash 7.52% Equity 92.48% Top Securities Holdings / Portfolio
Name Holding Value Quantity Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Dec 17 | KIRLOSBROS6% ₹105 Cr 443,385 Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 12 | LT4% ₹76 Cr 206,262
↑ 23,089 Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 24 | RELIANCE4% ₹68 Cr 452,706 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 19 | BHARTIARTL4% ₹66 Cr 330,018 GPT Infraprojects Ltd (Industrials)
Equity, Since 30 Nov 17 | GPTINFRA4% ₹61 Cr 4,782,533
↓ -14,610 UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Mar 14 | 5325383% ₹61 Cr 50,452 Bharat Electronics Ltd (Industrials)
Equity, Since 31 Oct 19 | BEL3% ₹60 Cr 1,431,700 Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 Dec 23 | ADANIPORTS3% ₹53 Cr 365,137 PTC India Financial Services Ltd (Financial Services)
Equity, Since 31 Dec 23 | PFS3% ₹53 Cr 12,400,122 KEC International Ltd (Industrials)
Equity, Since 30 Jun 24 | 5327143% ₹47 Cr 512,915 5. HDFC Infrastructure Fund
HDFC Infrastructure Fund
Growth Launch Date 10 Mar 08 NAV (29 Aug 25) ₹46.343 ↓ -0.12 (-0.25 %) Net Assets (Cr) ₹2,540 on 31 Jul 25 Category Equity - Sectoral AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 2.06 Sharpe Ratio -0.56 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹16,545 31 Aug 22 ₹19,604 31 Aug 23 ₹26,941 31 Aug 24 ₹42,708 31 Aug 25 ₹39,954 Returns for HDFC Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Aug 25 Duration Returns 1 Month -2.9% 3 Month -2.3% 6 Month 17% 1 Year -5.8% 3 Year 27.4% 5 Year 30.7% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Srinivasan Ramamurthy 12 Jan 24 1.55 Yr. Dhruv Muchhal 22 Jun 23 2.11 Yr. Data below for HDFC Infrastructure Fund as on 31 Jul 25
Equity Sector Allocation
Sector Value Industrials 39.21% Financial Services 19.99% Basic Materials 10.82% Utility 6.94% Energy 6.55% Communication Services 3.93% Real Estate 2.13% Health Care 1.68% Technology 1.43% Consumer Cyclical 0.5% Asset Allocation
Asset Class Value Cash 6.83% Equity 93.17% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | 5321747% ₹188 Cr 1,300,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 23 | HDFCBANK5% ₹140 Cr 700,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT5% ₹139 Cr 380,000 J Kumar Infraprojects Ltd (Industrials)
Equity, Since 31 Oct 15 | JKIL4% ₹101 Cr 1,400,000
↓ -50,000 Kalpataru Projects International Ltd (Industrials)
Equity, Since 31 Jan 23 | KPIL4% ₹93 Cr 758,285 InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Dec 21 | INDIGO3% ₹90 Cr 150,000 Reliance Industries Ltd (Energy)
Equity, Since 31 May 24 | RELIANCE3% ₹75 Cr 500,000 NTPC Ltd (Utilities)
Equity, Since 31 Dec 17 | 5325553% ₹74 Cr 2,200,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 20 | BHARTIARTL3% ₹70 Cr 350,000 G R Infraprojects Ltd (Industrials)
Equity, Since 31 Jul 21 | 5433172% ₹62 Cr 470,000 6. DSP India T.I.G.E.R Fund
DSP India T.I.G.E.R Fund
Growth Launch Date 11 Jun 04 NAV (29 Aug 25) ₹305.411 ↓ -0.83 (-0.27 %) Net Assets (Cr) ₹5,406 on 31 Jul 25 Category Equity - Sectoral AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio -0.65 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 Aug 20 ₹10,000 31 Aug 21 ₹17,810 31 Aug 22 ₹20,079 31 Aug 23 ₹26,946 31 Aug 24 ₹44,026 31 Aug 25 ₹39,306 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 29 Aug 25 Duration Returns 1 Month -2.2% 3 Month -1.1% 6 Month 18% 1 Year -9.8% 3 Year 25.6% 5 Year 30.5% 10 Year 15 Year Since launch 17.5% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Rohit Singhania 21 Jun 10 15.12 Yr. Data below for DSP India T.I.G.E.R Fund as on 31 Jul 25
Equity Sector Allocation
Sector Value Industrials 28.5% Basic Materials 15.17% Utility 10.47% Financial Services 10.42% Consumer Cyclical 8.59% Health Care 6.63% Energy 5.45% Communication Services 2.61% Technology 2.16% Real Estate 1.62% Consumer Defensive 1.27% Asset Allocation
Asset Class Value Cash 7.11% Equity 92.89% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 04 | LT5% ₹256 Cr 697,669 NTPC Ltd (Utilities)
Equity, Since 30 Nov 17 | 5325554% ₹239 Cr 7,145,883 Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 31 Dec 24 | APOLLOHOSP3% ₹178 Cr 245,928 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jan 25 | 5328983% ₹167 Cr 5,567,574 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 31 May 25 | MCX3% ₹147 Cr 164,204 Rainbow Childrens Medicare Ltd (Healthcare)
Equity, Since 31 Jan 25 | 5435243% ₹146 Cr 935,870 Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Dec 24 | AMBER3% ₹140 Cr 207,277 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 18 | BHARTIARTL3% ₹138 Cr 688,435 Kirloskar Oil Engines Ltd (Industrials)
Equity, Since 31 Mar 23 | KIRLOSENG2% ₹137 Cr 1,608,534 Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Mar 14 | SOLARINDS2% ₹132 Cr 75,291 7. Franklin Build India Fund
Franklin Build India Fund
Growth Launch Date 4 Sep 09 NAV (29 Aug 25) ₹137.689 ↓ -0.46 (-0.33 %) Net Assets (Cr) ₹2,950 on 31 Jul 25 Category Equity - Sectoral AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆☆☆ Risk High Expense Ratio 2.01 Sharpe Ratio -0.51 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.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹17,164 31 Aug 22 ₹19,308 31 Aug 23 ₹25,108 31 Aug 24 ₹41,493 31 Aug 25 ₹38,961 Returns for Franklin Build India Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Aug 25 Duration Returns 1 Month -2.5% 3 Month -0.7% 6 Month 16.8% 1 Year -5.2% 3 Year 27.1% 5 Year 30.4% 10 Year 15 Year Since launch 17.8% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Ajay Argal 18 Oct 21 3.79 Yr. Kiran Sebastian 7 Feb 22 3.48 Yr. Sandeep Manam 18 Oct 21 3.79 Yr. Data below for Franklin Build India Fund as on 31 Jul 25
Equity Sector Allocation
Sector Value Industrials 36.15% Energy 12.74% Utility 12.5% Financial Services 11.47% Communication Services 8.4% Basic Materials 6.9% Real Estate 3.07% Consumer Cyclical 2.66% Technology 1.91% Asset Allocation
Asset Class Value Cash 4.19% Equity 95.81% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 20 | LT8% ₹244 Cr 665,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 21 | RELIANCE6% ₹180 Cr 1,200,000 InterGlobe Aviation Ltd (Industrials)
Equity, Since 29 Feb 20 | INDIGO6% ₹179 Cr 300,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 12 | 5321746% ₹173 Cr 1,200,000 Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 30 Jun 19 | 5003125% ₹147 Cr 6,000,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 09 | BHARTIARTL5% ₹143 Cr 710,000 NTPC Ltd (Utilities)
Equity, Since 30 Nov 16 | 5325555% ₹138 Cr 4,125,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 12 | 5322154% ₹120 Cr 1,000,000 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 28 Feb 21 | 5328984% ₹108 Cr 3,600,000 Tata Power Co Ltd (Utilities)
Equity, Since 31 Jan 25 | 5004003% ₹81 Cr 2,000,000
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Great Read. Clarified my doubts.