Table of Contents
Mutual 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 ₹181.24
↓ -0.29 ₹7,214 3.1 -4.3 3.8 28.3 38.7 27.4 Nippon India Small Cap Fund Growth ₹156.435
↑ 0.53 ₹55,491 0.5 -9.6 1.8 21.8 38.2 26.1 Motilal Oswal Midcap 30 Fund Growth ₹94.8983
↑ 0.93 ₹26,028 -1 -9.2 14.5 26.9 36.4 57.1 IDFC Infrastructure Fund Growth ₹47.368
↓ -0.04 ₹1,563 3.5 -7.3 1.2 26.1 35.7 39.3 Nippon India Power and Infra Fund Growth ₹328.152
↑ 0.56 ₹6,849 3.8 -5.8 0.5 28.9 35.5 26.9 SBI Contra Fund Growth ₹369.319
↑ 4.06 ₹42,220 3.2 -3.1 5.1 21.4 35.2 18.8 L&T Emerging Businesses Fund Growth ₹74.4416
↑ 0.17 ₹13,334 -2.8 -12.6 -1.4 18.2 35 28.5 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Apr 25
*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. 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 Below is the key information for ICICI Prudential Infrastructure 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. 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 Below is the key information for Nippon India Small Cap 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. 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 Below is the key information for Motilal Oswal Midcap 30 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. 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 Below is the key information for IDFC Infrastructure 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. Nippon India Power and Infra Fund is a Equity - Sectoral fund was launched on 8 May 04. It is a fund with High risk and has given a Below is the key information for Nippon India Power and Infra Fund Returns up to 1 year are on To provide the investors maximum growth opportunity through equity
investments in stocks of growth oriented sectors of the economy. SBI Contra Fund is a Equity - Contra fund was launched on 6 May 05. It is a fund with Moderately High risk and has given a Below is the key information for SBI Contra Fund Returns up to 1 year are on 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 Below is the key information for L&T Emerging Businesses Fund Returns up to 1 year are on 100 Crore. Sorted on 5 year CAGR/Annualized returns.
1. ICICI Prudential Infrastructure Fund
CAGR/Annualized return of 15.9% since its launch. Ranked 27 in Sectoral category. Return for 2024 was 27.4% , 2023 was 44.6% and 2022 was 28.8% . ICICI Prudential Infrastructure Fund
Growth Launch Date 31 Aug 05 NAV (29 Apr 25) ₹181.24 ↓ -0.29 (-0.16 %) Net Assets (Cr) ₹7,214 on 31 Mar 25 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 2.22 Sharpe Ratio 0.14 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 Mar 20 ₹10,000 31 Mar 21 ₹18,670 31 Mar 22 ₹25,304 31 Mar 23 ₹30,899 31 Mar 24 ₹50,465 31 Mar 25 ₹54,540 Returns for ICICI Prudential Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Apr 25 Duration Returns 1 Month 1.6% 3 Month 3.1% 6 Month -4.3% 1 Year 3.8% 3 Year 28.3% 5 Year 38.7% 10 Year 15 Year Since launch 15.9% 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 7.83 Yr. Sharmila D’mello 30 Jun 22 2.76 Yr. Data below for ICICI Prudential Infrastructure Fund as on 31 Mar 25
Equity Sector Allocation
Sector Value Industrials 37.76% Basic Materials 20.96% Financial Services 15.36% Utility 9.33% Energy 6.59% Communication Services 1.87% Consumer Cyclical 0.9% Real Estate 0.82% Asset Allocation
Asset Class Value Cash 5.82% Equity 93.59% Debt 0.6% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 09 | LT9% ₹678 Cr 1,940,000
↓ -112,790 Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 May 24 | ADANIPORTS4% ₹312 Cr 2,637,644
↓ -57,680 Shree Cement Ltd (Basic Materials)
Equity, Since 30 Apr 24 | 5003874% ₹264 Cr 86,408
↓ -12,000 NCC Ltd (Industrials)
Equity, Since 31 Aug 21 | NCC4% ₹262 Cr 12,522,005
↑ 515,888 NTPC Ltd (Utilities)
Equity, Since 29 Feb 16 | 5325553% ₹250 Cr 7,000,000
↓ -260,775 Vedanta Ltd (Basic Materials)
Equity, Since 31 Jul 24 | 5002953% ₹219 Cr 4,723,662
↓ -200,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 16 | ICICIBANK3% ₹216 Cr 1,600,000
↓ -390,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 23 | RELIANCE3% ₹199 Cr 1,559,486
↓ -150,000 Cummins India Ltd (Industrials)
Equity, Since 31 May 17 | 5004803% ₹194 Cr 635,000 Kalpataru Projects International Ltd (Industrials)
Equity, Since 30 Sep 06 | 5222873% ₹186 Cr 1,903,566 2. Nippon India Small Cap Fund
CAGR/Annualized return of 20.7% since its launch. Ranked 6 in Small Cap category. Return for 2024 was 26.1% , 2023 was 48.9% and 2022 was 6.5% . Nippon India Small Cap Fund
Growth Launch Date 16 Sep 10 NAV (29 Apr 25) ₹156.435 ↑ 0.53 (0.34 %) Net Assets (Cr) ₹55,491 on 31 Mar 25 Category Equity - Small Cap AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.55 Sharpe Ratio 0.07 Information Ratio 0.53 Alpha Ratio -0.23 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 Mar 20 ₹10,000 31 Mar 21 ₹21,742 31 Mar 22 ₹31,334 31 Mar 23 ₹33,418 31 Mar 24 ₹51,907 31 Mar 25 ₹55,076 Returns for Nippon India Small Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Apr 25 Duration Returns 1 Month 4.4% 3 Month 0.5% 6 Month -9.6% 1 Year 1.8% 3 Year 21.8% 5 Year 38.2% 10 Year 15 Year Since launch 20.7% 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 8.25 Yr. Kinjal Desai 25 May 18 6.86 Yr. Data below for Nippon India Small Cap Fund as on 31 Mar 25
Equity Sector Allocation
Sector Value Industrials 22.79% Consumer Cyclical 14.16% Financial Services 13.52% Basic Materials 12.56% Consumer Defensive 9.06% Technology 8.18% Health Care 8.18% Utility 2% Energy 1.96% Communication Services 1.49% Real Estate 0.5% Asset Allocation
Asset Class Value Cash 5.21% Equity 94.79% Other 0.01% Top Securities Holdings / Portfolio
Name Holding Value Quantity Nippon India Liquid Dir Gr
Investment Fund | -3% ₹1,502 Cr 2,367,230
↑ 2,367,230 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 22 | HDFCBANK2% ₹1,216 Cr 6,650,000 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 28 Feb 21 | MCX2% ₹983 Cr 1,851,010 Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Oct 12 | KIRLOSBROS1% ₹766 Cr 4,472,130 State Bank of India (Financial Services)
Equity, Since 31 Oct 19 | SBIN1% ₹702 Cr 9,100,000 Tube Investments of India Ltd Ordinary Shares (Industrials)
Equity, Since 30 Apr 18 | TIINDIA1% ₹692 Cr 2,499,222 NLC India Ltd (Utilities)
Equity, Since 31 Oct 22 | NLCINDIA1% ₹665 Cr 27,190,940 Karur Vysya Bank Ltd (Financial Services)
Equity, Since 28 Feb 17 | 5900031% ₹665 Cr 31,784,062 Dixon Technologies (India) Ltd (Technology)
Equity, Since 30 Nov 18 | DIXON1% ₹620 Cr 470,144 Balrampur Chini Mills Ltd (Consumer Defensive)
Equity, Since 28 Feb 19 | BALRAMCHIN1% ₹606 Cr 11,061,303
↑ 212,506 3. Motilal Oswal Midcap 30 Fund
CAGR/Annualized return of 22.3% since its launch. Ranked 27 in Mid Cap category. Return for 2024 was 57.1% , 2023 was 41.7% and 2022 was 10.7% . Motilal Oswal Midcap 30 Fund
Growth Launch Date 24 Feb 14 NAV (29 Apr 25) ₹94.8983 ↑ 0.93 (0.99 %) Net Assets (Cr) ₹26,028 on 31 Mar 25 Category Equity - Mid Cap AMC Motilal Oswal Asset Management Co. Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 0.66 Sharpe Ratio 0.47 Information Ratio 0.63 Alpha Ratio 8.9 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 Mar 20 ₹10,000 31 Mar 21 ₹16,888 31 Mar 22 ₹23,342 31 Mar 23 ₹25,677 31 Mar 24 ₹41,172 31 Mar 25 ₹48,151 Returns for Motilal Oswal Midcap 30 Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Apr 25 Duration Returns 1 Month 2.5% 3 Month -1% 6 Month -9.2% 1 Year 14.5% 3 Year 26.9% 5 Year 36.4% 10 Year 15 Year Since launch 22.3% 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 0.5 Yr. Niket Shah 1 Jul 20 4.75 Yr. Rakesh Shetty 22 Nov 22 2.36 Yr. Sunil Sawant 1 Jul 24 0.75 Yr. Data below for Motilal Oswal Midcap 30 Fund as on 31 Mar 25
Equity Sector Allocation
Sector Value Technology 29.51% Consumer Cyclical 16.27% Industrials 13.67% Health Care 5.06% Communication Services 3.66% Real Estate 2.93% Basic Materials 2.25% Utility 1.13% Financial Services 0.09% Asset Allocation
Asset Class Value Cash 32.88% Equity 67.12% Top Securities Holdings / Portfolio
Name Holding Value Quantity Coforge Ltd (Technology)
Equity, Since 31 Mar 23 | COFORGE10% ₹2,635 Cr 3,250,000
↑ 60,000 Persistent Systems Ltd (Technology)
Equity, Since 31 Jan 23 | PERSISTENT10% ₹2,481 Cr 4,499,800
↑ 250,000 Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 29 Feb 24 | KALYANKJIL7% ₹1,869 Cr 39,994,625
↑ 4,967,550 Polycab India Ltd (Industrials)
Equity, Since 30 Sep 23 | POLYCAB4% ₹1,145 Cr 2,225,000
↑ 475,000 Trent Ltd (Consumer Cyclical)
Equity, Since 30 Nov 24 | 5002514% ₹1,137 Cr 2,135,744
↑ 335,744 Max Healthcare Institute Ltd Ordinary Shares (Healthcare)
Equity, Since 31 Mar 24 | MAXHEALTH4% ₹1,094 Cr 9,969,361 One97 Communications Ltd (Technology)
Equity, Since 30 Sep 24 | 5433964% ₹971 Cr 12,388,500
↓ -677,859 Dixon Technologies (India) Ltd (Technology)
Equity, Since 31 Mar 23 | DIXON4% ₹969 Cr 735,200
↓ -399,124 Bharti Hexacom Ltd (Communication Services)
Equity, Since 31 Oct 24 | BHARTIHEXA4% ₹951 Cr 6,500,000
↑ 250,000 KEI Industries Ltd (Industrials)
Equity, Since 30 Nov 24 | KEI3% ₹723 Cr 2,500,000 4. IDFC Infrastructure Fund
CAGR/Annualized return of 11.6% since its launch. Ranked 1 in Sectoral category. Return for 2024 was 39.3% , 2023 was 50.3% and 2022 was 1.7% . IDFC Infrastructure Fund
Growth Launch Date 8 Mar 11 NAV (29 Apr 25) ₹47.368 ↓ -0.04 (-0.09 %) Net Assets (Cr) ₹1,563 on 31 Mar 25 Category Equity - Sectoral AMC IDFC Asset Management Company Limited Rating ☆☆☆☆☆ Risk High Expense Ratio 2.33 Sharpe Ratio 0.11 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 Mar 20 ₹10,000 31 Mar 21 ₹20,153 31 Mar 22 ₹24,848 31 Mar 23 ₹27,324 31 Mar 24 ₹47,064 31 Mar 25 ₹50,038 Returns for IDFC Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Apr 25 Duration Returns 1 Month 3.1% 3 Month 3.5% 6 Month -7.3% 1 Year 1.2% 3 Year 26.1% 5 Year 35.7% 10 Year 15 Year Since launch 11.6% 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 IDFC Infrastructure Fund
Name Since Tenure Vishal Biraia 24 Jan 24 1.19 Yr. Ritika Behera 7 Oct 23 1.48 Yr. Gaurav Satra 7 Jun 24 0.82 Yr. Data below for IDFC Infrastructure Fund as on 31 Mar 25
Equity Sector Allocation
Sector Value Industrials 56.16% Utility 13.16% Basic Materials 9.87% Communication Services 4.63% Energy 3.69% Financial Services 2.72% Consumer Cyclical 2.55% Technology 2.5% Health Care 1.93% Asset Allocation
Asset Class Value Cash 2.79% Equity 97.21% Top Securities Holdings / Portfolio
Name Holding Value Quantity Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Dec 17 | KIRLOSBROS5% ₹76 Cr 443,385 Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 12 | LT4% ₹64 Cr 183,173 UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Mar 14 | 5325384% ₹58 Cr 50,452 Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 24 | RELIANCE4% ₹58 Cr 452,706 GPT Infraprojects Ltd (Industrials)
Equity, Since 30 Nov 17 | GPTINFRA4% ₹57 Cr 4,797,143 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 19 | BHARTIARTL4% ₹57 Cr 330,018 Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 Dec 23 | ADANIPORTS3% ₹43 Cr 365,137 Bharat Electronics Ltd (Industrials)
Equity, Since 31 Oct 19 | BEL3% ₹43 Cr 1,431,700 KEC International Ltd (Industrials)
Equity, Since 30 Jun 24 | 5327143% ₹40 Cr 512,915 PTC India Financial Services Ltd (Financial Services)
Equity, Since 31 Dec 23 | PFS2% ₹39 Cr 12,400,122 5. Nippon India Power and Infra Fund
CAGR/Annualized return of 18.1% since its launch. Ranked 13 in Sectoral category. Return for 2024 was 26.9% , 2023 was 58% and 2022 was 10.9% . Nippon India Power and Infra Fund
Growth Launch Date 8 May 04 NAV (29 Apr 25) ₹328.152 ↑ 0.56 (0.17 %) Net Assets (Cr) ₹6,849 on 31 Mar 25 Category Equity - Sectoral AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk High Expense Ratio 2.05 Sharpe Ratio -0.05 Information Ratio 1.15 Alpha Ratio 2.34 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 Mar 20 ₹10,000 31 Mar 21 ₹18,563 31 Mar 22 ₹23,186 31 Mar 23 ₹26,891 31 Mar 24 ₹47,550 31 Mar 25 ₹48,861 Returns for Nippon India Power and Infra Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Apr 25 Duration Returns 1 Month 3.2% 3 Month 3.8% 6 Month -5.8% 1 Year 0.5% 3 Year 28.9% 5 Year 35.5% 10 Year 15 Year Since launch 18.1% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 0.3% Fund Manager information for Nippon India Power and Infra Fund
Name Since Tenure Kinjal Desai 25 May 18 6.86 Yr. Rahul Modi 19 Aug 24 0.62 Yr. Data below for Nippon India Power and Infra Fund as on 31 Mar 25
Equity Sector Allocation
Sector Value Industrials 41.09% Utility 20.7% Energy 9.09% Basic Materials 8.27% Communication Services 7.84% Real Estate 3.46% Consumer Cyclical 2.88% Technology 2.17% Financial Services 2.11% Health Care 2.03% Asset Allocation
Asset Class Value Cash 0.35% Equity 99.65% Top Securities Holdings / Portfolio
Name Holding Value Quantity NTPC Ltd (Utilities)
Equity, Since 31 May 09 | 5325558% ₹551 Cr 15,400,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 18 | RELIANCE8% ₹523 Cr 4,100,000
↑ 100,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 07 | LT8% ₹514 Cr 1,472,001
↓ -20,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 18 | BHARTIARTL7% ₹451 Cr 2,600,000 UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Oct 19 | 5325384% ₹276 Cr 240,038 Tata Power Co Ltd (Utilities)
Equity, Since 30 Apr 23 | 5004004% ₹268 Cr 7,130,789
↑ 155,000 Kaynes Technology India Ltd (Industrials)
Equity, Since 30 Nov 22 | KAYNES3% ₹201 Cr 423,938 Siemens Ltd (Industrials)
Equity, Since 31 May 21 | 5005503% ₹185 Cr 350,000 Carborundum Universal Ltd (Industrials)
Equity, Since 30 Sep 23 | CARBORUNIV3% ₹183 Cr 1,800,000 Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 30 Sep 24 | 5001033% ₹173 Cr 8,000,000
↑ 300,000 6. SBI Contra Fund
CAGR/Annualized return of 15% since its launch. Ranked 48 in Contra category. Return for 2024 was 18.8% , 2023 was 38.2% and 2022 was 12.8% . SBI Contra Fund
Growth Launch Date 6 May 05 NAV (28 Apr 25) ₹369.319 ↑ 4.06 (1.11 %) Net Assets (Cr) ₹42,220 on 31 Mar 25 Category Equity - Contra AMC SBI Funds Management Private Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 1.7 Sharpe Ratio 0.07 Information Ratio 1.73 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 Mar 20 ₹10,000 31 Mar 21 ₹20,310 31 Mar 22 ₹26,477 31 Mar 23 ₹29,993 31 Mar 24 ₹44,365 31 Mar 25 ₹47,483 Returns for SBI Contra Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Apr 25 Duration Returns 1 Month 3% 3 Month 3.2% 6 Month -3.1% 1 Year 5.1% 3 Year 21.4% 5 Year 35.2% 10 Year 15 Year Since launch 15% Historical performance (Yearly) on absolute basis
Year Returns 2024 18.8% 2023 38.2% 2022 12.8% 2021 49.9% 2020 30.6% 2019 -1% 2018 -14.3% 2017 40.2% 2016 2.4% 2015 -0.1% Fund Manager information for SBI Contra Fund
Name Since Tenure Dinesh Balachandran 7 May 18 6.91 Yr. Pradeep Kesavan 1 Dec 23 1.33 Yr. Data below for SBI Contra Fund as on 31 Mar 25
Equity Sector Allocation
Sector Value Financial Services 23.67% Technology 7.71% Energy 7.35% Health Care 7.2% Basic Materials 7.18% Consumer Cyclical 5.41% Utility 5.22% Consumer Defensive 4.69% Industrials 4.11% Communication Services 2.97% Real Estate 0.48% Asset Allocation
Asset Class Value Cash 22.87% Equity 75.99% Debt 1.14% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 16 | HDFCBANK9% ₹3,697 Cr 20,224,629
↑ 2,500,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Mar 23 | RELIANCE4% ₹1,789 Cr 14,028,250
↑ 1,700,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Mar 24 | KOTAKBANK3% ₹1,391 Cr 6,405,768 Bank of India Ltd.
Debentures | -2% ₹984 Cr 20,000
↑ 20,000 GAIL (India) Ltd (Utilities)
Equity, Since 28 Feb 21 | 5321552% ₹952 Cr 51,993,788 Torrent Power Ltd (Utilities)
Equity, Since 31 Oct 21 | 5327792% ₹916 Cr 6,163,300 Dabur India Ltd (Consumer Defensive)
Equity, Since 31 Dec 23 | 5000962% ₹863 Cr 17,046,663
↑ 3,969,196 Tech Mahindra Ltd (Technology)
Equity, Since 31 Mar 22 | 5327552% ₹821 Cr 5,786,409 Tata Steel Ltd (Basic Materials)
Equity, Since 31 Jul 22 | TATASTEEL2% ₹817 Cr 52,995,525 State Bank of India (Financial Services)
Equity, Since 31 Dec 10 | SBIN2% ₹791 Cr 10,254,269 7. L&T Emerging Businesses Fund
CAGR/Annualized return of 20.1% since its launch. Ranked 2 in Small Cap category. Return for 2024 was 28.5% , 2023 was 46.1% and 2022 was 1% . L&T Emerging Businesses Fund
Growth Launch Date 12 May 14 NAV (29 Apr 25) ₹74.4416 ↑ 0.17 (0.23 %) Net Assets (Cr) ₹13,334 on 28 Feb 25 Category Equity - Small Cap AMC L&T Investment Management Ltd Rating ☆☆☆☆☆ Risk High Expense Ratio 1.73 Sharpe Ratio -0.4 Information Ratio -0.11 Alpha Ratio 1.44 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.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹20,010 31 Mar 22 ₹29,870 31 Mar 23 ₹31,289 31 Mar 24 ₹46,026 31 Mar 25 ₹48,026 Returns for L&T Emerging Businesses Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Apr 25 Duration Returns 1 Month 2.6% 3 Month -2.8% 6 Month -12.6% 1 Year -1.4% 3 Year 18.2% 5 Year 35% 10 Year 15 Year Since launch 20.1% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Venugopal Manghat 17 Dec 19 5.29 Yr. Cheenu Gupta 1 Oct 23 1.5 Yr. Sonal Gupta 1 Oct 23 1.5 Yr. Data below for L&T Emerging Businesses Fund as on 28 Feb 25
Equity Sector Allocation
Sector Value Industrials 26.11% Consumer Cyclical 15.8% Financial Services 13.58% Basic Materials 10.91% Technology 9.31% Health Care 5.7% Real Estate 4.71% Consumer Defensive 4.25% Energy 1.01% Asset Allocation
Asset Class Value Cash 6.28% Equity 93.72% Top Securities Holdings / Portfolio
Name Holding Value Quantity Neuland Laboratories Limited
Equity, Since 31 Jan 24 | -2% ₹339 Cr 280,946
↓ -11,533 Aditya Birla Real Estate Ltd (Basic Materials)
Equity, Since 30 Sep 22 | 5000402% ₹313 Cr 1,595,574 K.P.R. Mill Ltd (Consumer Cyclical)
Equity, Since 28 Feb 15 | KPRMILL2% ₹312 Cr 3,445,300
↑ 158,403 The Federal Bank Ltd (Financial Services)
Equity, Since 30 Sep 22 | FEDERALBNK2% ₹300 Cr 15,544,000
↑ 2,257,421 Time Technoplast Ltd (Consumer Cyclical)
Equity, Since 31 Jan 24 | TIMETECHNO2% ₹284 Cr 6,810,500 Suven Pharmaceuticals Ltd (Healthcare)
Equity, Since 31 Mar 20 | SUVENPHAR2% ₹265 Cr 2,298,085 Sumitomo Chemical India Ltd Ordinary Shares (Basic Materials)
Equity, Since 31 Oct 20 | SUMICHEM2% ₹261 Cr 4,672,221 Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Jan 20 | AMBER2% ₹257 Cr 356,138 KFin Technologies Ltd (Technology)
Equity, Since 31 Aug 24 | KFINTECH2% ₹250 Cr 2,429,736 Karur Vysya Bank Ltd (Financial Services)
Equity, Since 31 Oct 22 | 5900032% ₹249 Cr 11,912,400
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Great Read. Clarified my doubts.