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Fincash » Mutual Funds » Mutual Fund Vs FD

Mutual Fund vs FD (Fixed Deposit)

Updated on June 25, 2025 , 13541 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 (%)
Nippon India Small Cap Fund Growth ₹172.095
↑ 0.92
₹63,00714.5-1.70.930.837.526.1
ICICI Prudential Infrastructure Fund Growth ₹199.43
↑ 1.24
₹7,92011.66.95.33637.527.4
Motilal Oswal Midcap 30 Fund  Growth ₹103.517
↑ 0.21
₹30,40111.5-7.11035.436.257.1
HDFC Infrastructure Fund Growth ₹48.416
↑ 0.32
₹2,54011.63.70.836.534.923
IDFC Infrastructure Fund Growth ₹51.897
↑ 0.64
₹1,70112.70.3-4.535.834.839.3
L&T Emerging Businesses Fund Growth ₹83.2921
↑ 0.16
₹16,06114.4-6-1.326.634.728.5
DSP BlackRock India T.I.G.E.R Fund Growth ₹318.111
↑ 1.93
₹5,31911.7-1.6-3.833.434.332.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Jun 25

*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. 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.

Nippon India Small Cap Fund is a Equity - Small Cap fund was launched on 16 Sep 10. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 21.2% since its launch.  Ranked 6 in Small Cap category.  Return for 2024 was 26.1% , 2023 was 48.9% and 2022 was 6.5% .

Below is the key information for Nippon India Small Cap Fund

Nippon India Small Cap Fund
Growth
Launch Date 16 Sep 10
NAV (27 Jun 25) ₹172.095 ↑ 0.92   (0.53 %)
Net Assets (Cr) ₹63,007 on 31 May 25
Category Equity - Small Cap
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderately High
Expense Ratio 1.55
Sharpe Ratio 0.08
Information Ratio 0.28
Alpha Ratio -2.16
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 May 20₹10,000
31 May 21₹22,034
31 May 22₹26,339
31 May 23₹33,417
31 May 24₹51,089
31 May 25₹54,222

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 ₹756,118.
Net Profit of ₹456,118
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 27 Jun 25

DurationReturns
1 Month 4%
3 Month 14.5%
6 Month -1.7%
1 Year 0.9%
3 Year 30.8%
5 Year 37.5%
10 Year
15 Year
Since launch 21.2%
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 178.41 Yr.
Kinjal Desai25 May 187.02 Yr.

Data below for Nippon India Small Cap Fund as on 31 May 25

Equity Sector Allocation
SectorValue
Industrials22.85%
Consumer Cyclical14.12%
Financial Services13.91%
Basic Materials12.5%
Consumer Defensive9.15%
Health Care8.25%
Technology8.09%
Energy1.92%
Utility1.9%
Communication Services1.47%
Real Estate0.5%
Asset Allocation
Asset ClassValue
Cash5.34%
Equity94.66%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 22 | HDFCBANK
2%₹1,280 Cr6,650,000
Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 28 Feb 21 | MCX
2%₹1,134 Cr1,851,010
Dixon Technologies (India) Ltd (Technology)
Equity, Since 30 Nov 18 | DIXON
1%₹773 Cr470,144
Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Oct 12 | KIRLOSBROS
1%₹766 Cr4,472,130
Tube Investments of India Ltd Ordinary Shares (Industrials)
Equity, Since 30 Apr 18 | TIINDIA
1%₹724 Cr2,499,222
State Bank of India (Financial Services)
Equity, Since 31 Oct 19 | SBIN
1%₹718 Cr9,100,000
Karur Vysya Bank Ltd (Financial Services)
Equity, Since 28 Feb 17 | 590003
1%₹693 Cr31,784,062
Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 30 Sep 22 | 500103
1%₹624 Cr27,500,000
Emami Ltd (Consumer Defensive)
Equity, Since 31 Jul 23 | 531162
1%₹623 Cr9,970,126
NLC India Ltd (Utilities)
Equity, Since 31 Oct 22 | NLCINDIA
1%₹619 Cr27,190,940

2. 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.

ICICI Prudential Infrastructure Fund is a Equity - Sectoral fund was launched on 31 Aug 05. It is a fund with High risk and has given a CAGR/Annualized return of 16.3% since its launch.  Ranked 27 in Sectoral category.  Return for 2024 was 27.4% , 2023 was 44.6% and 2022 was 28.8% .

Below is the key information for ICICI Prudential Infrastructure Fund

ICICI Prudential Infrastructure Fund
Growth
Launch Date 31 Aug 05
NAV (27 Jun 25) ₹199.43 ↑ 1.24   (0.63 %)
Net Assets (Cr) ₹7,920 on 31 May 25
Category Equity - Sectoral
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.22
Sharpe Ratio 0.15
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 May 20₹10,000
31 May 21₹18,721
31 May 22₹23,007
31 May 23₹29,843
31 May 24₹49,203
31 May 25₹53,203

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 ₹756,118.
Net Profit of ₹456,118
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 27 Jun 25

DurationReturns
1 Month 3.4%
3 Month 11.6%
6 Month 6.9%
1 Year 5.3%
3 Year 36%
5 Year 37.5%
10 Year
15 Year
Since launch 16.3%
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 Yr.
Sharmila D’mello30 Jun 222.92 Yr.

Data below for ICICI Prudential Infrastructure Fund as on 31 May 25

Equity Sector Allocation
SectorValue
Industrials39.73%
Basic Materials18.96%
Financial Services14.34%
Utility8.93%
Energy6.65%
Real Estate2.45%
Communication Services1.71%
Consumer Cyclical0.89%
Asset Allocation
Asset ClassValue
Cash6.34%
Equity93.66%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 09 | LT
10%₹722 Cr2,160,204
↑ 220,204
Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 May 24 | ADANIPORTS
4%₹306 Cr2,515,859
↓ -121,785
NCC Ltd (Industrials)
Equity, Since 31 Aug 21 | NCC
4%₹265 Cr12,522,005
Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 23 | RELIANCE
3%₹234 Cr1,662,727
↑ 103,241
NTPC Ltd (Utilities)
Equity, Since 29 Feb 16 | 532555
3%₹227 Cr6,400,000
↓ -600,000
Shree Cement Ltd (Basic Materials)
Equity, Since 30 Apr 24 | 500387
3%₹224 Cr75,408
↓ -11,000
Vedanta Ltd (Basic Materials)
Equity, Since 31 Jul 24 | 500295
3%₹219 Cr5,223,662
↑ 500,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 16 | ICICIBANK
3%₹203 Cr1,425,000
↓ -175,000
CESC Ltd (Utilities)
Equity, Since 30 Jun 23 | CESC
3%₹191 Cr12,000,502
Kalpataru Projects International Ltd (Industrials)
Equity, Since 30 Sep 06 | KPIL
2%₹185 Cr1,903,566

3. 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.

Motilal Oswal Midcap 30 Fund  is a Equity - Mid Cap fund was launched on 24 Feb 14. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 22.9% since its launch.  Ranked 27 in Mid Cap category.  Return for 2024 was 57.1% , 2023 was 41.7% and 2022 was 10.7% .

Below is the key information for Motilal Oswal Midcap 30 Fund 

Motilal Oswal Midcap 30 Fund 
Growth
Launch Date 24 Feb 14
NAV (27 Jun 25) ₹103.517 ↑ 0.21   (0.21 %)
Net Assets (Cr) ₹30,401 on 31 May 25
Category Equity - Mid Cap
AMC Motilal Oswal Asset Management Co. Ltd
Rating
Risk Moderately High
Expense Ratio 0.66
Sharpe Ratio 0.56
Information Ratio 0.47
Alpha Ratio 9.44
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 May 20₹10,000
31 May 21₹17,139
31 May 22₹21,910
31 May 23₹27,996
31 May 24₹41,746
31 May 25₹49,975

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 ₹738,840.
Net Profit of ₹438,840
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 27 Jun 25

DurationReturns
1 Month 4.2%
3 Month 11.5%
6 Month -7.1%
1 Year 10%
3 Year 35.4%
5 Year 36.2%
10 Year
15 Year
Since launch 22.9%
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 240.66 Yr.
Niket Shah1 Jul 204.92 Yr.
Rakesh Shetty22 Nov 222.52 Yr.
Sunil Sawant1 Jul 240.92 Yr.

Data below for Motilal Oswal Midcap 30 Fund  as on 31 May 25

Equity Sector Allocation
SectorValue
Technology29.99%
Consumer Cyclical16.64%
Industrials14.58%
Health Care4.76%
Communication Services3.95%
Real Estate3.03%
Basic Materials2.07%
Utility0.35%
Financial Services0.09%
Asset Allocation
Asset ClassValue
Cash32.1%
Equity67.9%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Coforge Ltd (Technology)
Equity, Since 31 Mar 23 | COFORGE
10%₹3,078 Cr3,600,000
Persistent Systems Ltd (Technology)
Equity, Since 31 Jan 23 | PERSISTENT
10%₹2,960 Cr5,250,000
Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 29 Feb 24 | KALYANKJIL
8%₹2,437 Cr43,490,250
Polycab India Ltd (Industrials)
Equity, Since 30 Sep 23 | POLYCAB
5%₹1,498 Cr2,500,000
Bharti Hexacom Ltd (Communication Services)
Equity, Since 31 Oct 24 | BHARTIHEXA
4%₹1,236 Cr6,750,000
↑ 250,000
Dixon Technologies (India) Ltd (Technology)
Equity, Since 31 Mar 23 | DIXON
4%₹1,227 Cr835,200
↑ 100,000
Trent Ltd (Consumer Cyclical)
Equity, Since 30 Nov 24 | TRENT
4%₹1,210 Cr2,143,194
↑ 7,450
One97 Communications Ltd (Technology)
Equity, Since 30 Sep 24 | 543396
4%₹1,149 Cr12,900,814
↑ 512,314
Max Healthcare Institute Ltd Ordinary Shares (Healthcare)
Equity, Since 31 Mar 24 | MAXHEALTH
4%₹1,122 Cr9,969,361
KEI Industries Ltd (Industrials)
Equity, Since 30 Nov 24 | KEI
3%₹993 Cr2,750,000
↑ 50,000

4. 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.

HDFC Infrastructure Fund is a Equity - Sectoral fund was launched on 10 Mar 08. It is a fund with High risk and has given a CAGR/Annualized return of since its launch.  Ranked 26 in Sectoral category.  Return for 2024 was 23% , 2023 was 55.4% and 2022 was 19.3% .

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund
Growth
Launch Date 10 Mar 08
NAV (27 Jun 25) ₹48.416 ↑ 0.32   (0.66 %)
Net Assets (Cr) ₹2,540 on 31 May 25
Category Equity - Sectoral
AMC HDFC Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.31
Sharpe Ratio -0.02
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 May 20₹10,000
31 May 21₹18,382
31 May 22₹20,960
31 May 23₹26,577
31 May 24₹47,409
31 May 25₹49,598

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 27 Jun 25

DurationReturns
1 Month 2.4%
3 Month 11.6%
6 Month 3.7%
1 Year 0.8%
3 Year 36.5%
5 Year 34.9%
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 241.38 Yr.
Dhruv Muchhal22 Jun 231.94 Yr.

Data below for HDFC Infrastructure Fund as on 31 May 25

Equity Sector Allocation
SectorValue
Industrials37.51%
Financial Services20.97%
Basic Materials11.02%
Utility7.56%
Energy6.75%
Communication Services4.01%
Real Estate2.2%
Health Care1.75%
Technology1.27%
Consumer Cyclical0.48%
Asset Allocation
Asset ClassValue
Cash6.48%
Equity93.52%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK
8%₹186 Cr1,300,000
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 23 | HDFCBANK
6%₹135 Cr700,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT
5%₹127 Cr380,000
J Kumar Infraprojects Ltd (Industrials)
Equity, Since 31 Oct 15 | JKIL
4%₹94 Cr1,450,000
InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Dec 21 | INDIGO
3%₹79 Cr150,000
NTPC Ltd (Utilities)
Equity, Since 31 Dec 17 | 532555
3%₹78 Cr2,200,000
Kalpataru Projects International Ltd (Industrials)
Equity, Since 31 Jan 23 | KPIL
3%₹74 Cr758,285
Reliance Industries Ltd (Energy)
Equity, Since 31 May 24 | RELIANCE
3%₹70 Cr500,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 20 | BHARTIARTL
3%₹65 Cr350,000
Paradeep Phosphates Ltd (Basic Materials)
Equity, Since 31 May 22 | 543530
3%₹62 Cr4,300,000
↓ -400,000

5. IDFC 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.

IDFC Infrastructure Fund is a Equity - Sectoral fund was launched on 8 Mar 11. It is a fund with High risk and has given a CAGR/Annualized return of 12.2% since its launch.  Ranked 1 in Sectoral category.  Return for 2024 was 39.3% , 2023 was 50.3% and 2022 was 1.7% .

Below is the key information for IDFC Infrastructure Fund

IDFC Infrastructure Fund
Growth
Launch Date 8 Mar 11
NAV (27 Jun 25) ₹51.897 ↑ 0.64   (1.25 %)
Net Assets (Cr) ₹1,701 on 31 May 25
Category Equity - Sectoral
AMC IDFC Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.33
Sharpe Ratio -0.09
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 May 20₹10,000
31 May 21₹20,010
31 May 22₹21,463
31 May 23₹26,973
31 May 24₹48,493
31 May 25₹48,898

IDFC 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 IDFC 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 27 Jun 25

DurationReturns
1 Month 2.9%
3 Month 12.7%
6 Month 0.3%
1 Year -4.5%
3 Year 35.8%
5 Year 34.8%
10 Year
15 Year
Since launch 12.2%
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 IDFC Infrastructure Fund
NameSinceTenure
Vishal Biraia24 Jan 241.35 Yr.
Ritika Behera7 Oct 231.65 Yr.
Gaurav Satra7 Jun 240.98 Yr.

Data below for IDFC Infrastructure Fund as on 31 May 25

Equity Sector Allocation
SectorValue
Industrials55.04%
Utility13%
Basic Materials9.55%
Communication Services5.07%
Energy4.03%
Financial Services2.72%
Technology2.49%
Consumer Cyclical2.37%
Health Care1.93%
Asset Allocation
Asset ClassValue
Cash3.24%
Equity96.76%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Dec 17 | KIRLOSBROS
5%₹76 Cr443,385
Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 24 | RELIANCE
4%₹64 Cr452,706
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 19 | BHARTIARTL
4%₹62 Cr330,018
Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 12 | LT
4%₹61 Cr183,173
GPT Infraprojects Ltd (Industrials)
Equity, Since 30 Nov 17 | GPTINFRA
4%₹60 Cr4,797,143
UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Mar 14 | 532538
4%₹59 Cr50,452
Bharat Electronics Ltd (Industrials)
Equity, Since 31 Oct 19 | BEL
3%₹45 Cr1,431,700
Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 Dec 23 | ADANIPORTS
3%₹44 Cr365,137
Ahluwalia Contracts (India) Ltd (Industrials)
Equity, Since 30 Apr 15 | AHLUCONT
3%₹40 Cr468,237
PTC India Financial Services Ltd (Financial Services)
Equity, Since 31 Dec 23 | PFS
2%₹39 Cr12,400,122

6. L&T Emerging Businesses Fund

To generate long-term capital appreciation from a diversified portfolio of predominantly equity and equity related securities, including equity derivatives, in the Indian markets with key theme focus being emerging companies (small cap stocks). The Scheme could also additionally invest in Foreign Securities.

L&T Emerging Businesses Fund is a Equity - Small Cap fund was launched on 12 May 14. It is a fund with High risk and has given a CAGR/Annualized return of 21% since its launch.  Ranked 2 in Small Cap category.  Return for 2024 was 28.5% , 2023 was 46.1% and 2022 was 1% .

Below is the key information for L&T Emerging Businesses Fund

L&T Emerging Businesses Fund
Growth
Launch Date 12 May 14
NAV (27 Jun 25) ₹83.2921 ↑ 0.16   (0.19 %)
Net Assets (Cr) ₹16,061 on 31 May 25
Category Equity - Small Cap
AMC L&T Investment Management Ltd
Rating
Risk High
Expense Ratio 1.73
Sharpe Ratio 0.02
Information Ratio -0.39
Alpha Ratio -3.97
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 May 20₹10,000
31 May 21₹21,275
31 May 22₹25,707
31 May 23₹31,323
31 May 24₹46,528
31 May 25₹48,396

L&T Emerging Businesses 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 L&T Emerging Businesses Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jun 25

DurationReturns
1 Month 5.3%
3 Month 14.4%
6 Month -6%
1 Year -1.3%
3 Year 26.6%
5 Year 34.7%
10 Year
15 Year
Since launch 21%
Historical performance (Yearly) on absolute basis
YearReturns
2024 28.5%
2023 46.1%
2022 1%
2021 77.4%
2020 15.5%
2019 -8.1%
2018 -13.7%
2017 66.5%
2016 10.2%
2015 12.3%
Fund Manager information for L&T Emerging Businesses Fund
NameSinceTenure
Venugopal Manghat17 Dec 195.46 Yr.
Sonal Gupta1 Oct 231.67 Yr.

Data below for L&T Emerging Businesses Fund as on 31 May 25

Equity Sector Allocation
SectorValue
Industrials26.56%
Consumer Cyclical15.68%
Financial Services15.22%
Basic Materials10.89%
Technology9.44%
Health Care7.99%
Real Estate4.93%
Consumer Defensive4.43%
Energy0.97%
Asset Allocation
Asset ClassValue
Cash3.89%
Equity96.11%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
K.P.R. Mill Ltd (Consumer Cyclical)
Equity, Since 28 Feb 15 | KPRMILL
2%₹351 Cr3,518,200
↑ 72,900
Neuland Laboratories Ltd (Healthcare)
Equity, Since 31 Jan 24 | 524558
2%₹313 Cr261,377
↑ 261,377
Aditya Birla Real Estate Ltd (Basic Materials)
Equity, Since 30 Sep 22 | 500040
2%₹306 Cr1,595,574
The Federal Bank Ltd (Financial Services)
Equity, Since 30 Sep 22 | FEDERALBNK
2%₹306 Cr15,544,000
KFin Technologies Ltd (Technology)
Equity, Since 31 Aug 24 | KFINTECH
2%₹291 Cr2,429,736
Nippon Life India Asset Management Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Aug 24 | NAM-INDIA
2%₹284 Cr4,446,300
↑ 355,900
Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 29 Feb 24 | MCX
2%₹279 Cr455,150
↑ 50,216
Cohance Lifesciences Ltd (Healthcare)
Equity, Since 31 Mar 20 | SUVENPHAR
2%₹261 Cr2,298,085
Karur Vysya Bank Ltd (Financial Services)
Equity, Since 31 Oct 22 | 590003
2%₹260 Cr11,912,400
PNB Housing Finance Ltd (Financial Services)
Equity, Since 31 Jul 24 | PNBHOUSING
2%₹259 Cr2,566,200

7. DSP BlackRock 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.

DSP BlackRock India T.I.G.E.R Fund is a Equity - Sectoral fund was launched on 11 Jun 04. It is a fund with High risk and has given a CAGR/Annualized return of 17.9% since its launch.  Ranked 12 in Sectoral category.  Return for 2024 was 32.4% , 2023 was 49% and 2022 was 13.9% .

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

DSP BlackRock India T.I.G.E.R Fund
Growth
Launch Date 11 Jun 04
NAV (27 Jun 25) ₹318.111 ↑ 1.93   (0.61 %)
Net Assets (Cr) ₹5,319 on 31 May 25
Category Equity - Sectoral
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk High
Expense Ratio 2.24
Sharpe Ratio -0.26
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 May 20₹10,000
31 May 21₹18,391
31 May 22₹21,435
31 May 23₹26,572
31 May 24₹47,601
31 May 25₹46,897

DSP BlackRock 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 ₹705,310.
Net Profit of ₹405,310
Invest Now

Returns for DSP BlackRock 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 27 Jun 25

DurationReturns
1 Month 3.8%
3 Month 11.7%
6 Month -1.6%
1 Year -3.8%
3 Year 33.4%
5 Year 34.3%
10 Year
15 Year
Since launch 17.9%
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 BlackRock India T.I.G.E.R Fund
NameSinceTenure
Rohit Singhania21 Jun 1014.95 Yr.

Data below for DSP BlackRock India T.I.G.E.R Fund as on 31 May 25

Equity Sector Allocation
SectorValue
Industrials27.2%
Basic Materials14.98%
Utility9.76%
Financial Services8.12%
Consumer Cyclical7.52%
Health Care6.82%
Energy5.82%
Communication Services2.7%
Technology2.55%
Real Estate1.72%
Consumer Defensive1.53%
Asset Allocation
Asset ClassValue
Cash9.39%
Equity90.61%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
NTPC Ltd (Utilities)
Equity, Since 30 Nov 17 | 532555
5%₹253 Cr7,145,883
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 04 | LT
4%₹187 Cr559,286
Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 31 Dec 24 | APOLLOHOSP
3%₹172 Cr245,928
Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jan 25 | 532898
3%₹171 Cr5,567,574
↑ 1,647,526
Rainbow Childrens Medicare Ltd (Healthcare)
Equity, Since 31 Jan 25 | 543524
3%₹129 Cr935,870
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 18 | BHARTIARTL
3%₹128 Cr688,435
↓ -534,680
Coal India Ltd (Energy)
Equity, Since 31 Dec 23 | COALINDIA
3%₹128 Cr3,321,453
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Dec 24 | AMBER
3%₹128 Cr207,277
↑ 1,525
Kirloskar Oil Engines Ltd (Industrials)
Equity, Since 31 Mar 23 | KIRLOSENG
2%₹120 Cr1,608,534
↑ 38,005
Siemens Ltd (Industrials)
Equity, Since 30 Nov 18 | 500550
2%₹107 Cr369,482

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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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