+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 (%) 2025 (%) DSP World Gold Fund Growth ₹59.7447
↑ 0.92 ₹1,433 -5.4 -4.8 75.9 54 28.2 167.1 SBI PSU Fund Growth ₹34.8361
↓ -0.01 ₹6,684 -0.6 -2.9 11.2 23.7 23.5 11.3 ICICI Prudential Infrastructure Fund Growth ₹205.23
↑ 0.80 ₹8,550 4.4 4.7 6.3 19.5 22.7 6.7 LIC MF Infrastructure Fund Growth ₹55.7206
↑ 0.17 ₹1,137 7.7 11 14.8 25.4 22.4 -3.7 Motilal Oswal Midcap 30 Fund Growth ₹105.02
↑ 1.02 ₹37,474 16.7 13.6 3.8 20.8 22.4 -12.1 Nippon India Power and Infra Fund Growth ₹387.991
↑ 1.13 ₹8,043 3.2 11.2 14.4 21.4 22.2 -0.5 DSP India T.I.G.E.R Fund Growth ₹364.814
↑ 1.35 ₹6,264 5.8 13.2 17.9 22 21.8 -2.5 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 Aug 26 Research Highlights & Commentary of 7 Funds showcased
Commentary DSP World Gold Fund SBI PSU Fund ICICI Prudential Infrastructure Fund LIC MF Infrastructure Fund Motilal Oswal Midcap 30 Fund Nippon India Power and Infra Fund DSP India T.I.G.E.R Fund Point 1 Bottom quartile AUM (₹1,433 Cr). Lower mid AUM (₹6,684 Cr). Upper mid AUM (₹8,550 Cr). Bottom quartile AUM (₹1,137 Cr). Highest AUM (₹37,474 Cr). Upper mid AUM (₹8,043 Cr). Lower mid AUM (₹6,264 Cr). Point 2 Established history (18+ yrs). Established history (16+ yrs). Established history (20+ yrs). Established history (18+ yrs). Established history (12+ yrs). Oldest track record among peers (22 yrs). Established history (22+ yrs). Point 3 Rating: 3★ (upper mid). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Not Rated. Rating: 3★ (lower mid). 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: High. Point 5 5Y return: 28.23% (top quartile). 5Y return: 23.54% (upper mid). 5Y return: 22.72% (upper mid). 5Y return: 22.44% (lower mid). 5Y return: 22.40% (lower mid). 5Y return: 22.19% (bottom quartile). 5Y return: 21.83% (bottom quartile). Point 6 3Y return: 53.98% (top quartile). 3Y return: 23.69% (upper mid). 3Y return: 19.51% (bottom quartile). 3Y return: 25.40% (upper mid). 3Y return: 20.76% (bottom quartile). 3Y return: 21.36% (lower mid). 3Y return: 21.97% (lower mid). Point 7 1Y return: 75.90% (top quartile). 1Y return: 11.21% (lower mid). 1Y return: 6.34% (bottom quartile). 1Y return: 14.83% (upper mid). 1Y return: 3.78% (bottom quartile). 1Y return: 14.45% (lower mid). 1Y return: 17.93% (upper mid). Point 8 Alpha: 2.12 (upper mid). Alpha: -0.30 (bottom quartile). Alpha: 0.00 (lower mid). Alpha: 8.41 (upper mid). Alpha: -14.72 (bottom quartile). Alpha: 8.81 (top quartile). Alpha: 0.00 (lower mid). Point 9 Sharpe: 1.22 (top quartile). Sharpe: 0.12 (lower mid). Sharpe: -0.07 (bottom quartile). Sharpe: 0.22 (lower mid). Sharpe: -0.71 (bottom quartile). Sharpe: 0.24 (upper mid). Sharpe: 0.44 (upper mid). Point 10 Information ratio: -0.50 (bottom quartile). Information ratio: -0.11 (lower mid). Information ratio: 0.00 (upper mid). Information ratio: 0.58 (top quartile). Information ratio: -0.25 (bottom quartile). Information ratio: 0.56 (upper mid). Information ratio: 0.00 (lower mid). DSP World Gold Fund
SBI PSU Fund
ICICI Prudential Infrastructure Fund
LIC MF Infrastructure Fund
Motilal Oswal Midcap 30 Fund
Nippon India Power and Infra Fund
DSP India T.I.G.E.R Fund
*Below is the list of 7 best mutual funds having Net Assets/AUM higher than "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 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 The investment objective of the scheme is to provide long term growth from a portfolio of equity / equity related instruments of companies engaged either directly or indirectly in the infrastructure sector. Research Highlights for LIC MF Infrastructure Fund Below is the key information for LIC MF 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 (Erstwhile Reliance Diversified Power Sector Fund) The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies in the power sector. Research Highlights for Nippon India Power and Infra Fund Below is the key information for Nippon India Power and Infra 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 100 Crore. Sorted on 5 year CAGR/Annualized returns.
1. DSP World Gold Fund
DSP World Gold Fund
Growth Launch Date 14 Sep 07 NAV (12 Aug 26) ₹59.7447 ↑ 0.92 (1.56 %) Net Assets (Cr) ₹1,433 on 30 Jun 26 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.41 Sharpe Ratio 1.22 Information Ratio -0.5 Alpha Ratio 2.12 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 Jul 21 ₹10,000 31 Jul 22 ₹7,373 31 Jul 23 ₹9,366 31 Jul 24 ₹11,150 31 Jul 25 ₹16,504 31 Jul 26 ₹26,355 Returns for DSP World Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Aug 26 Duration Returns 1 Month 19.5% 3 Month -5.4% 6 Month -4.8% 1 Year 75.9% 3 Year 54% 5 Year 28.2% 10 Year 15 Year Since launch 9.9% Historical performance (Yearly) on absolute basis
Year Returns 2025 167.1% 2024 15.9% 2023 7% 2022 -7.7% 2021 -9% 2020 31.4% 2019 35.1% 2018 -10.7% 2017 -4% 2016 52.7% Fund Manager information for DSP World Gold Fund
Name Since Tenure Kaivalya Nadkarni 1 May 25 1.25 Yr. Data below for DSP World Gold Fund as on 30 Jun 26
Equity Sector Allocation
Sector Value Basic Materials 92.85% Asset Allocation
Asset Class Value Cash 5.2% Equity 93.02% Debt 0.01% Other 1.77% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Gold I2
Investment Fund | -67% ₹960 Cr 983,452
↓ -21,591 VanEck Gold Miners ETF
- | GDX29% ₹409 Cr 573,719 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -5% ₹67 Cr Net Receivables/Payables
Net Current Assets | -0% -₹4 Cr 2. SBI PSU Fund
SBI PSU Fund
Growth Launch Date 7 Jul 10 NAV (13 Aug 26) ₹34.8361 ↓ -0.01 (-0.01 %) Net Assets (Cr) ₹6,684 on 30 Jun 26 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating ☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio 0.12 Information Ratio -0.11 Alpha Ratio -0.3 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 Jul 21 ₹10,000 31 Jul 22 ₹10,878 31 Jul 23 ₹15,287 31 Jul 24 ₹28,684 31 Jul 25 ₹25,557 31 Jul 26 ₹28,011 Returns for SBI PSU Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Aug 26 Duration Returns 1 Month 0.6% 3 Month -0.6% 6 Month -2.9% 1 Year 11.2% 3 Year 23.7% 5 Year 23.5% 10 Year 15 Year Since launch 8.1% Historical performance (Yearly) on absolute basis
Year Returns 2025 11.3% 2024 23.5% 2023 54% 2022 29% 2021 32.4% 2020 -10% 2019 6% 2018 -23.8% 2017 21.9% 2016 16.2% Fund Manager information for SBI PSU Fund
Name Since Tenure Rohit Shimpi 1 Jun 24 2.17 Yr. Data below for SBI PSU Fund as on 30 Jun 26
Equity Sector Allocation
Sector Value Financial Services 33.03% Utility 32.22% Industrials 13.92% Energy 11.28% Basic Materials 6.1% Asset Allocation
Asset Class Value Cash 3.39% Equity 96.54% Debt 0.07% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank of India (Financial Services)
Equity, Since 31 Jul 10 | SBIN17% ₹1,112 Cr 10,827,500
↓ -700,000 GAIL (India) Ltd (Utilities)
Equity, Since 31 May 24 | 53215510% ₹662 Cr 38,150,000 Bharat Electronics Ltd (Industrials)
Equity, Since 30 Jun 24 | BEL9% ₹584 Cr 14,185,000 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jul 10 | 5328989% ₹571 Cr 19,935,554 NTPC Ltd (Utilities)
Equity, Since 31 Jul 10 | 5325558% ₹551 Cr 15,443,244 Bank of Baroda (Financial Services)
Equity, Since 31 Aug 24 | 5321346% ₹391 Cr 14,350,000
↑ 1,250,000 Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 31 May 20 | 5003125% ₹344 Cr 14,655,000 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 31 Aug 24 | 5005474% ₹294 Cr 9,700,000 Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 30 Jun 25 | 5001034% ₹269 Cr 6,500,000 NMDC Ltd (Basic Materials)
Equity, Since 31 Oct 23 | 5263714% ₹238 Cr 27,900,000 3. ICICI Prudential Infrastructure Fund
ICICI Prudential Infrastructure Fund
Growth Launch Date 31 Aug 05 NAV (13 Aug 26) ₹205.23 ↑ 0.80 (0.39 %) Net Assets (Cr) ₹8,550 on 30 Jun 26 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio -0.07 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹11,961 31 Jul 23 ₹16,935 31 Jul 24 ₹27,533 31 Jul 25 ₹26,878 31 Jul 26 ₹28,111 Returns for ICICI Prudential Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Aug 26 Duration Returns 1 Month 0.3% 3 Month 4.4% 6 Month 4.7% 1 Year 6.3% 3 Year 19.5% 5 Year 22.7% 10 Year 15 Year Since launch 15.5% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.7% 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% Fund Manager information for ICICI Prudential Infrastructure Fund
Name Since Tenure Ihab Dalwai 3 Jun 17 9.17 Yr. Sharmila D’mello 30 Jun 22 4.09 Yr. Data below for ICICI Prudential Infrastructure Fund as on 30 Jun 26
Equity Sector Allocation
Sector Value Industrials 45.24% Basic Materials 11.2% Financial Services 10.19% Utility 9.88% Real Estate 7.96% Energy 5.46% Consumer Cyclical 1.98% Communication Services 0.09% Asset Allocation
Asset Class Value Cash 7.57% Equity 92.43% Top Securities Holdings / Portfolio
Name Holding Value Quantity InterGlobe Aviation Ltd (Industrials)
Equity, Since 28 Feb 23 | INDIGO8% ₹699 Cr 1,301,985
↓ -390,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 09 | LT6% ₹526 Cr 1,268,485
↓ -237,219 Oberoi Realty Ltd (Real Estate)
Equity, Since 31 May 23 | OBEROIRLTY4% ₹379 Cr 2,139,426 NTPC Ltd (Utilities)
Equity, Since 29 Feb 16 | 5325554% ₹308 Cr 8,626,448 AIA Engineering Ltd (Industrials)
Equity, Since 28 Feb 21 | AIAENG3% ₹282 Cr 555,746
↓ -16,951 Gujarat Energy Ltd (Utilities)
Equity, Since 31 Jan 23 | GUJENERGY3% ₹275 Cr 8,407,984
↓ -74,040 Shree Cement Ltd (Basic Materials)
Equity, Since 30 Apr 24 | 5003873% ₹270 Cr 106,892 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 22 | HDFCBANK3% ₹268 Cr 3,357,506 Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 23 | RELIANCE3% ₹256 Cr 1,979,725
↑ 550,000 Kalpataru Projects International Ltd (Industrials)
Equity, Since 30 Sep 06 | KPIL3% ₹251 Cr 1,830,742
↓ -174,866 4. LIC MF Infrastructure Fund
LIC MF Infrastructure Fund
Growth Launch Date 29 Feb 08 NAV (13 Aug 26) ₹55.7206 ↑ 0.17 (0.31 %) Net Assets (Cr) ₹1,137 on 30 Jun 26 Category Equity - Sectoral AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating Risk High Expense Ratio 2.21 Sharpe Ratio 0.22 Information Ratio 0.58 Alpha Ratio 8.41 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹11,519 31 Jul 23 ₹14,236 31 Jul 24 ₹26,350 31 Jul 25 ₹25,021 31 Jul 26 ₹27,470 Returns for LIC MF Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Aug 26 Duration Returns 1 Month 1.7% 3 Month 7.7% 6 Month 11% 1 Year 14.8% 3 Year 25.4% 5 Year 22.4% 10 Year 15 Year Since launch 9.8% Historical performance (Yearly) on absolute basis
Year Returns 2025 -3.7% 2024 47.8% 2023 44.4% 2022 7.9% 2021 46.6% 2020 -0.1% 2019 13.3% 2018 -14.6% 2017 42.2% 2016 -2.2% Fund Manager information for LIC MF Infrastructure Fund
Name Since Tenure Mahesh Bendre 1 Jul 24 2.08 Yr. Data below for LIC MF Infrastructure Fund as on 30 Jun 26
Equity Sector Allocation
Sector Value Industrials 35.52% Consumer Cyclical 19.57% Basic Materials 12.18% Utility 10.33% Financial Services 9.93% Communication Services 3.66% Real Estate 2.1% Health Care 1.74% Technology 0.93% Asset Allocation
Asset Class Value Cash 4.04% Equity 95.96% Top Securities Holdings / Portfolio
Name Holding Value Quantity Tata Motors Passenger Vehicles Ltd (Consumer Cyclical)
Equity, Since 28 Feb 26 | TMPV4% ₹43 Cr 1,224,915
↑ 242,024 JSW Infrastructure Ltd (Industrials)
Equity, Since 30 Apr 26 | JSWINFRA4% ₹41 Cr 1,266,481
↑ 132,623 Tata Motors Ltd (Consumer Cyclical)
Equity, Since 31 Oct 25 | TMCV4% ₹40 Cr 944,348
↓ -71,585 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Apr 09 | LT3% ₹40 Cr 96,023
↓ -10,945 Garware Hi-Tech Films Ltd (Basic Materials)
Equity, Since 31 Aug 23 | 5006553% ₹38 Cr 57,317
↓ -8,008 Tata Power Co Ltd (Utilities)
Equity, Since 29 Feb 24 | 5004003% ₹33 Cr 861,040 KSH International Ltd (Industrials)
Equity, Since 31 Dec 25 | KSHINTL3% ₹32 Cr 367,501
↓ -65,315 Bharat Dynamics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jan 26 | BDL3% ₹30 Cr 222,408
↓ -20,546 Carraro India Ltd (Consumer Cyclical)
Equity, Since 31 Dec 24 | CARRARO3% ₹30 Cr 565,917
↓ -7,074 NTPC Ltd (Utilities)
Equity, Since 31 Mar 23 | 5325553% ₹30 Cr 834,071
↑ 125,282 5. Motilal Oswal Midcap 30 Fund
Motilal Oswal Midcap 30 Fund
Growth Launch Date 24 Feb 14 NAV (13 Aug 26) ₹105.02 ↑ 1.02 (0.98 %) Net Assets (Cr) ₹37,474 on 30 Jun 26 Category Equity - Mid Cap AMC Motilal Oswal Asset Management Co. Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 1.56 Sharpe Ratio -0.71 Information Ratio -0.25 Alpha Ratio -14.72 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 Jul 21 ₹10,000 31 Jul 22 ₹12,488 31 Jul 23 ₹15,748 31 Jul 24 ₹26,692 31 Jul 25 ₹27,117 31 Jul 26 ₹26,669 Returns for Motilal Oswal Midcap 30 Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Aug 26 Duration Returns 1 Month 5.9% 3 Month 16.7% 6 Month 13.6% 1 Year 3.8% 3 Year 20.8% 5 Year 22.4% 10 Year 15 Year Since launch 20.8% Historical performance (Yearly) on absolute basis
Year Returns 2025 -12.1% 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% Fund Manager information for Motilal Oswal Midcap 30 Fund
Name Since Tenure Varun Sharma 21 Jan 26 0.53 Yr. Swapnil Mayekar 18 Nov 25 0.7 Yr. Ajay Khandelwal 1 Oct 24 1.83 Yr. Ankit Agarwal 21 Jan 26 0.53 Yr. Rakesh Shetty 22 Nov 22 3.69 Yr. Data below for Motilal Oswal Midcap 30 Fund as on 30 Jun 26
Equity Sector Allocation
Sector Value Financial Services 31.53% Technology 26.25% Industrials 15.4% Consumer Cyclical 14.49% Real Estate 3.1% Communication Services 2.97% Health Care 2.8% Consumer Defensive 0.57% Asset Allocation
Asset Class Value Cash 2.89% Equity 97.11% Top Securities Holdings / Portfolio
Name Holding Value Quantity One97 Communications Ltd (Technology)
Equity, Since 30 Sep 24 | PAYTM7% ₹2,751 Cr 24,100,476
↑ 334,611 Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 29 Feb 24 | KALYANKJIL6% ₹2,375 Cr 61,413,395 Coforge Ltd (Technology)
Equity, Since 31 Mar 23 | COFORGE6% ₹2,265 Cr 15,453,312
↓ -250,000 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Aug 25 | ETERNAL6% ₹2,233 Cr 84,386,866 KEI Industries Ltd (Industrials)
Equity, Since 30 Nov 24 | KEI6% ₹2,101 Cr 3,870,834
↓ -160,000 Aditya Birla Capital Ltd (Financial Services)
Equity, Since 30 Jun 25 | ABCAPITAL5% ₹2,056 Cr 52,459,381 Persistent Systems Ltd (Technology)
Equity, Since 31 Jan 23 | PERSISTENT5% ₹1,720 Cr 3,976,493
↓ -50,000 Billionbrains Garage Ventures Ltd (Financial Services)
Equity, Since 31 Jan 26 | GROWW5% ₹1,710 Cr 84,616,660 Shriram Finance Ltd (Financial Services)
Equity, Since 31 Jan 26 | SHRIRAMFIN4% ₹1,416 Cr 13,590,867
↑ 1,116,515 BSE Ltd (Financial Services)
Equity, Since 30 Nov 25 | BSE4% ₹1,353 Cr 3,500,830 6. Nippon India Power and Infra Fund
Nippon India Power and Infra Fund
Growth Launch Date 8 May 04 NAV (13 Aug 26) ₹387.991 ↑ 1.13 (0.29 %) Net Assets (Cr) ₹8,043 on 30 Jun 26 Category Equity - Sectoral AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk High Expense Ratio 1.85 Sharpe Ratio 0.24 Information Ratio 0.56 Alpha Ratio 8.81 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,666 31 Jul 23 ₹15,659 31 Jul 24 ₹26,918 31 Jul 25 ₹24,246 31 Jul 26 ₹27,001 Returns for Nippon India Power and Infra Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Aug 26 Duration Returns 1 Month 1.9% 3 Month 3.2% 6 Month 11.2% 1 Year 14.4% 3 Year 21.4% 5 Year 22.2% 10 Year 15 Year Since launch 17.9% Historical performance (Yearly) on absolute basis
Year Returns 2025 -0.5% 2024 26.9% 2023 58% 2022 10.9% 2021 48.9% 2020 10.8% 2019 -2.9% 2018 -21.1% 2017 61.7% 2016 0.1% Fund Manager information for Nippon India Power and Infra Fund
Name Since Tenure Kinjal Desai 25 May 18 8.19 Yr. Rahul Modi 19 Aug 24 1.95 Yr. Amber Singhania 11 Mar 26 0.39 Yr. Data below for Nippon India Power and Infra Fund as on 30 Jun 26
Equity Sector Allocation
Sector Value Industrials 36.61% Utility 20.76% Consumer Cyclical 12.72% Energy 9.02% Basic Materials 7.09% Financial Services 3.86% Technology 3.69% Communication Services 2.37% Real Estate 1.54% Health Care 1.47% Asset Allocation
Asset Class Value Cash 0.86% Equity 99.14% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 18 | RELIANCE7% ₹603 Cr 4,660,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 07 | LT7% ₹579 Cr 1,396,958
↑ 30,000 NTPC Ltd (Utilities)
Equity, Since 31 May 09 | 5325556% ₹449 Cr 12,600,000 NTPC Green Energy Ltd (Utilities)
Equity, Since 30 Nov 24 | NTPCGREEN4% ₹284 Cr 29,697,646
↑ 1,103,062 Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 30 Sep 24 | 5001033% ₹253 Cr 6,100,000
↑ 300,000 Triveni Turbine Ltd (Industrials)
Equity, Since 30 Jun 25 | 5336553% ₹211 Cr 3,053,288
↓ -140,000 Power Finance Corp Ltd (Financial Services)
Equity, Since 31 Oct 24 | 5328103% ₹204 Cr 4,800,000
↑ 180,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 18 | BHARTIARTL2% ₹191 Cr 1,030,000 Carborundum Universal Ltd (Industrials)
Equity, Since 30 Sep 23 | CARBORUNIV2% ₹177 Cr 1,501,545 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 30 Sep 20 | HAL2% ₹172 Cr 392,000 7. DSP India T.I.G.E.R Fund
DSP India T.I.G.E.R Fund
Growth Launch Date 11 Jun 04 NAV (13 Aug 26) ₹364.814 ↑ 1.35 (0.37 %) Net Assets (Cr) ₹6,264 on 30 Jun 26 Category Equity - Sectoral AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio 0.44 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 Jul 21 ₹10,000 31 Jul 22 ₹10,886 31 Jul 23 ₹14,928 31 Jul 24 ₹25,470 31 Jul 25 ₹23,115 31 Jul 26 ₹26,604 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 12 Aug 26 Duration Returns 1 Month 0.7% 3 Month 5.8% 6 Month 13.2% 1 Year 17.9% 3 Year 22% 5 Year 21.8% 10 Year 15 Year Since launch 17.6% Historical performance (Yearly) on absolute basis
Year Returns 2025 -2.5% 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% Fund Manager information for DSP India T.I.G.E.R Fund
Name Since Tenure Rohit Singhania 21 Jun 10 16.12 Yr. Data below for DSP India T.I.G.E.R Fund as on 30 Jun 26
Equity Sector Allocation
Sector Value Industrials 29.71% Basic Materials 11.64% Energy 11.48% Utility 10.31% Financial Services 8.09% Health Care 5.66% Consumer Cyclical 5.47% Communication Services 2.51% Real Estate 1.52% Technology 1.11% Consumer Defensive 0.76% Asset Allocation
Asset Class Value Cash 7.68% Equity 92.32% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reliance Industries Ltd (Energy)
Equity, Since 31 Aug 19 | RELIANCE6% ₹391 Cr 3,020,622
↑ 1,036,807 NTPC Ltd (Utilities)
Equity, Since 30 Nov 17 | 5325555% ₹330 Cr 9,249,176
↑ 2,815,428 Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 31 Dec 24 | APOLLOHOSP4% ₹262 Cr 301,630 Nifty Jul26
- | -4% ₹250 Cr 104,260
↑ 104,260 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 04 | LT4% ₹244 Cr 588,665 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Oct 25 | HAL3% ₹186 Cr 423,779
↑ 118,681 Bharat Electronics Ltd (Industrials)
Equity, Since 31 May 26 | BEL3% ₹168 Cr 4,081,390
↑ 1,236,361 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 18 | BHARTIARTL3% ₹157 Cr 849,969 INOX India Ltd (Industrials)
Equity, Since 31 Dec 23 | INOXINDIA2% ₹152 Cr 774,594
↓ -156,835 Coal India Ltd (Energy)
Equity, Since 31 Dec 23 | COALINDIA2% ₹147 Cr 3,352,298
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Great Read. Clarified my doubts.