+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 ₹193.55
↓ -2.09 ₹8,232 -1.6 -1.1 -1 23.7 29.7 27.4 Motilal Oswal Midcap 30 Fund Growth ₹99.9775
↓ -0.66 ₹37,501 -5.6 -0.9 -12.8 24.4 28.3 57.1 SBI PSU Fund Growth ₹32.7398
↓ -0.25 ₹5,714 2.7 1.9 0.7 26.7 27.8 23.5 Nippon India Small Cap Fund Growth ₹164.846
↓ -0.99 ₹68,969 -3.9 -2.2 -9.4 20.3 27.3 26.1 DSP India T.I.G.E.R Fund Growth ₹310.531
↓ -1.03 ₹5,506 -2.3 0.2 -8.2 23.4 27.1 32.4 HDFC Infrastructure Fund Growth ₹46.816
↓ -0.31 ₹2,586 -2.3 -1.3 -4.2 23.9 27 23 Canara Robeco Infrastructure Growth ₹156.5
↓ -1.07 ₹936 -4.6 -1.5 -5.4 23.3 27 35.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 16 Dec 25 Research Highlights & Commentary of 7 Funds showcased
Commentary ICICI Prudential Infrastructure Fund Motilal Oswal Midcap 30 Fund SBI PSU Fund Nippon India Small Cap Fund DSP India T.I.G.E.R Fund HDFC Infrastructure Fund Canara Robeco Infrastructure Point 1 Upper mid AUM (₹8,232 Cr). Upper mid AUM (₹37,501 Cr). Lower mid AUM (₹5,714 Cr). Highest AUM (₹68,969 Cr). Lower mid AUM (₹5,506 Cr). Bottom quartile AUM (₹2,586 Cr). Bottom quartile AUM (₹936 Cr). Point 2 Established history (20+ yrs). Established history (11+ yrs). Established history (15+ yrs). Established history (15+ yrs). Oldest track record among peers (21 yrs). Established history (17+ yrs). Established history (20+ yrs). Point 3 Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). Top rated. Rating: 4★ (upper mid). Rating: 3★ (lower mid). Not Rated. Point 4 Risk profile: High. Risk profile: Moderately High. Risk profile: High. Risk profile: Moderately High. Risk profile: High. Risk profile: High. Risk profile: High. Point 5 5Y return: 29.68% (top quartile). 5Y return: 28.31% (upper mid). 5Y return: 27.79% (upper mid). 5Y return: 27.34% (lower mid). 5Y return: 27.09% (lower mid). 5Y return: 27.04% (bottom quartile). 5Y return: 26.96% (bottom quartile). Point 6 3Y return: 23.71% (lower mid). 3Y return: 24.40% (upper mid). 3Y return: 26.70% (top quartile). 3Y return: 20.29% (bottom quartile). 3Y return: 23.36% (lower mid). 3Y return: 23.88% (upper mid). 3Y return: 23.25% (bottom quartile). Point 7 1Y return: -0.97% (upper mid). 1Y return: -12.83% (bottom quartile). 1Y return: 0.72% (top quartile). 1Y return: -9.39% (bottom quartile). 1Y return: -8.19% (lower mid). 1Y return: -4.17% (upper mid). 1Y return: -5.45% (lower mid). Point 8 Alpha: 0.00 (top quartile). Alpha: -4.22 (bottom quartile). Alpha: -0.58 (lower mid). Alpha: -2.66 (bottom quartile). Alpha: 0.00 (upper mid). Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Point 9 Sharpe: 0.00 (upper mid). Sharpe: -0.13 (lower mid). Sharpe: 0.09 (top quartile). Sharpe: -0.35 (bottom quartile). Sharpe: -0.33 (bottom quartile). Sharpe: -0.15 (lower mid). Sharpe: -0.02 (upper mid). Point 10 Information ratio: 0.00 (upper mid). Information ratio: 0.20 (top quartile). Information ratio: -0.57 (bottom quartile). Information ratio: -0.11 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). ICICI Prudential Infrastructure Fund
Motilal Oswal Midcap 30 Fund
SBI PSU Fund
Nippon India Small Cap Fund
DSP India T.I.G.E.R Fund
HDFC Infrastructure Fund
Canara Robeco Infrastructure
*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 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 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 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 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 T o g e n e r a t e income/capital appreciation by investing in equities and equity related instruments of companies in the infrastructure sector. However, there can be no assurance that the investment objective of the scheme will be realized. Research Highlights for Canara Robeco Infrastructure Below is the key information for Canara Robeco Infrastructure 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 (16 Dec 25) ₹193.55 ↓ -2.09 (-1.07 %) Net Assets (Cr) ₹8,232 on 31 Oct 25 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio 0 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 30 Nov 20 ₹10,000 30 Nov 21 ₹16,536 30 Nov 22 ₹21,423 30 Nov 23 ₹28,347 30 Nov 24 ₹40,177 30 Nov 25 ₹42,083 Returns for ICICI Prudential Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Dec 25 Duration Returns 1 Month -3% 3 Month -1.6% 6 Month -1.1% 1 Year -1% 3 Year 23.7% 5 Year 29.7% 10 Year 15 Year Since launch 15.7% 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 8.42 Yr. Sharmila D’mello 30 Jun 22 3.34 Yr. Data below for ICICI Prudential Infrastructure Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Industrials 38.24% Financial Services 14.97% Basic Materials 12.93% Energy 10.52% Utility 10.49% Real Estate 2.69% Consumer Cyclical 1.96% Communication Services 1.25% Asset Allocation
Asset Class Value Cash 5.98% Equity 93.94% Debt 0.08% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 09 | LT9% ₹743 Cr 1,843,204 NTPC Ltd (Utilities)
Equity, Since 29 Feb 16 | 5325554% ₹370 Cr 10,976,448
↑ 646,975 NCC Ltd (Industrials)
Equity, Since 31 Aug 21 | NCC3% ₹277 Cr 13,053,905 Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 May 24 | ADANIPORTS3% ₹269 Cr 1,854,934 Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 23 | RELIANCE3% ₹265 Cr 1,779,725
↓ -250,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Dec 20 | 5322153% ₹246 Cr 1,996,057 Vedanta Ltd (Basic Materials)
Equity, Since 31 Jul 24 | 5002953% ₹232 Cr 4,700,000
↓ -1,579,591 AIA Engineering Ltd (Industrials)
Equity, Since 28 Feb 21 | AIAENG3% ₹228 Cr 701,953
↑ 41,183 Kalpataru Projects International Ltd (Industrials)
Equity, Since 30 Sep 06 | KPIL3% ₹227 Cr 1,803,566 IndusInd Bank Ltd (Financial Services)
Equity, Since 31 Oct 24 | INDUSINDBK2% ₹193 Cr 2,424,016
↑ 450,000 2. Motilal Oswal Midcap 30 Fund
Motilal Oswal Midcap 30 Fund
Growth Launch Date 24 Feb 14 NAV (16 Dec 25) ₹99.9775 ↓ -0.66 (-0.65 %) Net Assets (Cr) ₹37,501 on 31 Oct 25 Category Equity - Mid Cap AMC Motilal Oswal Asset Management Co. Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 1.56 Sharpe Ratio -0.13 Information Ratio 0.2 Alpha Ratio -4.22 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 30 Nov 20 ₹10,000 30 Nov 21 ₹15,596 30 Nov 22 ₹18,569 30 Nov 23 ₹24,148 30 Nov 24 ₹38,652 30 Nov 25 ₹36,880 Returns for Motilal Oswal Midcap 30 Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Dec 25 Duration Returns 1 Month -3% 3 Month -5.6% 6 Month -0.9% 1 Year -12.8% 3 Year 24.4% 5 Year 28.3% 10 Year 15 Year Since launch 21.5% 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 1.08 Yr. Niket Shah 1 Jul 20 5.34 Yr. Rakesh Shetty 22 Nov 22 2.94 Yr. Sunil Sawant 1 Jul 24 1.34 Yr. Data below for Motilal Oswal Midcap 30 Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Technology 40.62% Consumer Cyclical 22.89% Industrials 12.61% Communication Services 3.47% Financial Services 3.46% Real Estate 2.56% Health Care 1.61% Asset Allocation
Asset Class Value Cash 12.78% Equity 87.22% Top Securities Holdings / Portfolio
Name Holding Value Quantity Persistent Systems Ltd (Technology)
Equity, Since 31 Jan 23 | PERSISTENT9% ₹3,550 Cr 6,000,000 Coforge Ltd (Technology)
Equity, Since 31 Mar 23 | COFORGE9% ₹3,494 Cr 19,650,699
↓ -99,301 One97 Communications Ltd (Technology)
Equity, Since 30 Sep 24 | 5433969% ₹3,258 Cr 25,000,000 Dixon Technologies (India) Ltd (Technology)
Equity, Since 31 Mar 23 | DIXON9% ₹3,254 Cr 2,100,000
↑ 62,479 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Aug 25 | 5433208% ₹3,178 Cr 100,000,000 Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 29 Feb 24 | KALYANKJIL8% ₹3,058 Cr 60,000,000 Trent Ltd (Consumer Cyclical)
Equity, Since 30 Nov 24 | 5002516% ₹2,347 Cr 4,999,694 Polycab India Ltd (Industrials)
Equity, Since 30 Sep 23 | POLYCAB5% ₹2,060 Cr 2,673,670
↓ -476,330 Kaynes Technology India Ltd (Technology)
Equity, Since 30 Jun 25 | KAYNES4% ₹1,676 Cr 2,500,000
↑ 150,000 KEI Industries Ltd (Industrials)
Equity, Since 30 Nov 24 | KEI4% ₹1,613 Cr 4,000,000 3. SBI PSU Fund
SBI PSU Fund
Growth Launch Date 7 Jul 10 NAV (16 Dec 25) ₹32.7398 ↓ -0.25 (-0.77 %) Net Assets (Cr) ₹5,714 on 31 Oct 25 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating ☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio 0.09 Information Ratio -0.57 Alpha Ratio -0.58 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 30 Nov 20 ₹10,000 30 Nov 21 ₹13,886 30 Nov 22 ₹18,323 30 Nov 23 ₹23,973 30 Nov 24 ₹36,302 30 Nov 25 ₹38,023 Returns for SBI PSU Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Dec 25 Duration Returns 1 Month -3.7% 3 Month 2.7% 6 Month 1.9% 1 Year 0.7% 3 Year 26.7% 5 Year 27.8% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2024 23.5% 2023 54% 2022 29% 2021 32.4% 2020 -10% 2019 6% 2018 -23.8% 2017 21.9% 2016 16.2% 2015 -11.1% Fund Manager information for SBI PSU Fund
Name Since Tenure Rohit Shimpi 1 Jun 24 1.42 Yr. Data below for SBI PSU Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Financial Services 37.03% Utility 29.3% Energy 13.78% Industrials 12.67% Basic Materials 5.75% Asset Allocation
Asset Class Value Cash 1.48% Equity 98.52% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank of India (Financial Services)
Equity, Since 31 Jul 10 | SBIN16% ₹930 Cr 9,927,500 Bharat Electronics Ltd (Industrials)
Equity, Since 30 Jun 24 | BEL10% ₹553 Cr 12,975,000 NTPC Ltd (Utilities)
Equity, Since 31 Jul 10 | 5325559% ₹490 Cr 14,543,244 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jul 10 | 5328988% ₹476 Cr 16,535,554 GAIL (India) Ltd (Utilities)
Equity, Since 31 May 24 | 5321558% ₹471 Cr 25,750,000 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 31 Aug 24 | 5005476% ₹346 Cr 9,700,000 Bank of Baroda (Financial Services)
Equity, Since 31 Aug 24 | 5321345% ₹306 Cr 11,000,000 NMDC Ltd (Basic Materials)
Equity, Since 31 Oct 23 | 5263714% ₹211 Cr 27,900,000 Indian Bank (Financial Services)
Equity, Since 30 Jun 21 | 5328144% ₹208 Cr 2,427,235 Oil India Ltd (Energy)
Equity, Since 31 Mar 24 | OIL3% ₹167 Cr 3,850,000 4. Nippon India Small Cap Fund
Nippon India Small Cap Fund
Growth Launch Date 16 Sep 10 NAV (16 Dec 25) ₹164.846 ↓ -0.99 (-0.60 %) Net Assets (Cr) ₹68,969 on 31 Oct 25 Category Equity - Small Cap AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.44 Sharpe Ratio -0.35 Information Ratio -0.11 Alpha Ratio -2.66 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 30 Nov 20 ₹10,000 30 Nov 21 ₹17,553 30 Nov 22 ₹20,288 30 Nov 23 ₹28,079 30 Nov 24 ₹37,706 30 Nov 25 ₹36,088 Returns for Nippon India Small Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Dec 25 Duration Returns 1 Month -3.1% 3 Month -3.9% 6 Month -2.2% 1 Year -9.4% 3 Year 20.3% 5 Year 27.3% 10 Year 15 Year Since launch 20.2% 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 8.83 Yr. Kinjal Desai 25 May 18 7.44 Yr. Lokesh Maru 5 Sep 25 0.16 Yr. Divya Sharma 5 Sep 25 0.16 Yr. Data below for Nippon India Small Cap Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Industrials 20.62% Financial Services 15.84% Consumer Cyclical 15.32% Basic Materials 11.51% Consumer Defensive 9.7% Health Care 8.96% Technology 7.64% Utility 2.56% Energy 1.78% Communication Services 1.38% Real Estate 0.56% Asset Allocation
Asset Class Value Cash 4.15% Equity 95.85% Top Securities Holdings / Portfolio
Name Holding Value Quantity Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 28 Feb 21 | MCX2% ₹1,711 Cr 1,851,010 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 22 | HDFCBANK2% ₹1,313 Cr 13,300,000 State Bank of India (Financial Services)
Equity, Since 31 Oct 19 | SBIN1% ₹970 Cr 10,347,848
↑ 1,247,848 Karur Vysya Bank Ltd (Financial Services)
Equity, Since 28 Feb 17 | 5900031% ₹927 Cr 38,140,874 Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Oct 12 | KIRLOSBROS1% ₹838 Cr 4,472,130 eClerx Services Ltd (Technology)
Equity, Since 31 Jul 20 | ECLERX1% ₹810 Cr 1,712,794
↓ -49,536 Zydus Wellness Ltd (Consumer Defensive)
Equity, Since 31 Aug 16 | ZYDUSWELL1% ₹803 Cr 16,848,030 TD Power Systems Ltd (Industrials)
Equity, Since 31 Dec 15 | TDPOWERSYS1% ₹796 Cr 10,278,244 Apar Industries Ltd (Industrials)
Equity, Since 31 Mar 17 | APARINDS1% ₹780 Cr 899,271 Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 30 Sep 22 | 5001031% ₹758 Cr 28,538,232 5. DSP India T.I.G.E.R Fund
DSP India T.I.G.E.R Fund
Growth Launch Date 11 Jun 04 NAV (16 Dec 25) ₹310.531 ↓ -1.03 (-0.33 %) Net Assets (Cr) ₹5,506 on 31 Oct 25 Category Equity - Sectoral AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio -0.33 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 30 Nov 20 ₹10,000 30 Nov 21 ₹16,064 30 Nov 22 ₹18,724 30 Nov 23 ₹25,483 30 Nov 24 ₹37,523 30 Nov 25 ₹35,951 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 16 Dec 25 Duration Returns 1 Month -2.7% 3 Month -2.3% 6 Month 0.2% 1 Year -8.2% 3 Year 23.4% 5 Year 27.1% 10 Year 15 Year Since launch 17.3% 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 15.38 Yr. Data below for DSP India T.I.G.E.R Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Industrials 29.81% Basic Materials 14.24% Utility 10.39% Financial Services 10.27% Consumer Cyclical 8.92% Energy 7.04% Health Care 5.63% Communication Services 2.93% Technology 2.07% Real Estate 1.62% Consumer Defensive 1.2% Asset Allocation
Asset Class Value Cash 5.41% Equity 94.59% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 04 | LT5% ₹281 Cr 697,669 NTPC Ltd (Utilities)
Equity, Since 30 Nov 17 | 5325554% ₹241 Cr 7,145,883 Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 31 Dec 24 | APOLLOHOSP3% ₹189 Cr 245,928 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jan 25 | 5328983% ₹160 Cr 5,567,574 Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Dec 24 | AMBER3% ₹159 Cr 197,265 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 18 | BHARTIARTL3% ₹155 Cr 756,154
↑ 67,719 Kirloskar Oil Engines Ltd (Industrials)
Equity, Since 31 Mar 23 | KIRLOSENG3% ₹141 Cr 1,412,412 Coal India Ltd (Energy)
Equity, Since 31 Dec 23 | COALINDIA2% ₹129 Cr 3,321,453 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 31 May 25 | MCX2% ₹126 Cr 136,165
↓ -28,039 Rainbow Childrens Medicare Ltd (Healthcare)
Equity, Since 31 Jan 25 | 5435242% ₹121 Cr 885,167 6. HDFC Infrastructure Fund
HDFC Infrastructure Fund
Growth Launch Date 10 Mar 08 NAV (16 Dec 25) ₹46.816 ↓ -0.31 (-0.66 %) Net Assets (Cr) ₹2,586 on 31 Oct 25 Category Equity - Sectoral AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 2.06 Sharpe Ratio -0.15 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 30 Nov 20 ₹10,000 30 Nov 21 ₹16,017 30 Nov 22 ₹19,623 30 Nov 23 ₹27,687 30 Nov 24 ₹38,227 30 Nov 25 ₹38,951 Returns for HDFC Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Dec 25 Duration Returns 1 Month -3.6% 3 Month -2.3% 6 Month -1.3% 1 Year -4.2% 3 Year 23.9% 5 Year 27% 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 Dhruv Muchhal 22 Jun 23 2.36 Yr. Ashish Shah 1 Nov 25 0 Yr. Data below for HDFC Infrastructure Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Industrials 39.38% Financial Services 19.46% Basic Materials 10.52% Utility 6.92% Energy 6.63% Communication Services 3.84% Real Estate 2.42% Health Care 1.78% Technology 1.47% Consumer Cyclical 0.55% Asset Allocation
Asset Class Value Cash 7.03% Equity 92.97% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT6% ₹153 Cr 380,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK6% ₹148 Cr 1,100,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 23 | HDFCBANK5% ₹138 Cr 1,400,000 Kalpataru Projects International Ltd (Industrials)
Equity, Since 31 Jan 23 | KPIL4% ₹95 Cr 758,285 J Kumar Infraprojects Ltd (Industrials)
Equity, Since 31 Oct 15 | JKIL4% ₹92 Cr 1,400,000 InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Dec 21 | INDIGO3% ₹84 Cr 150,000 Reliance Industries Ltd (Energy)
Equity, Since 31 May 24 | RELIANCE3% ₹74 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% ₹72 Cr 350,000 State Bank of India (Financial Services)
Equity, Since 31 Mar 08 | SBIN3% ₹66 Cr 704,361 7. Canara Robeco Infrastructure
Canara Robeco Infrastructure
Growth Launch Date 2 Dec 05 NAV (16 Dec 25) ₹156.5 ↓ -1.07 (-0.68 %) Net Assets (Cr) ₹936 on 31 Oct 25 Category Equity - Sectoral AMC Canara Robeco Asset Management Co. Ltd. Rating Risk High Expense Ratio 2.32 Sharpe Ratio -0.02 Information Ratio 0 Alpha Ratio 0 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 30 Nov 20 ₹10,000 30 Nov 21 ₹16,180 30 Nov 22 ₹18,616 30 Nov 23 ₹23,198 30 Nov 24 ₹35,257 30 Nov 25 ₹35,720 Returns for Canara Robeco Infrastructure
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Dec 25 Duration Returns 1 Month -4.4% 3 Month -4.6% 6 Month -1.5% 1 Year -5.4% 3 Year 23.3% 5 Year 27% 10 Year 15 Year Since launch 14.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 35.3% 2023 41.2% 2022 9% 2021 56.1% 2020 9% 2019 2.3% 2018 -19.1% 2017 40.2% 2016 2.1% 2015 6.7% Fund Manager information for Canara Robeco Infrastructure
Name Since Tenure Vishal Mishra 26 Jun 21 4.35 Yr. Shridatta Bhandwaldar 29 Sep 18 7.1 Yr. Data below for Canara Robeco Infrastructure as on 31 Oct 25
Equity Sector Allocation
Sector Value Industrials 45.06% Utility 11.84% Basic Materials 8.75% Energy 8.39% Financial Services 7.27% Technology 7.04% Communication Services 3% Consumer Cyclical 2.95% Real Estate 1.39% Asset Allocation
Asset Class Value Cash 4.31% Equity 95.69% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 28 Feb 11 | LT10% ₹92 Cr 227,901
↑ 15,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 22 | RELIANCE4% ₹42 Cr 279,250 State Bank of India (Financial Services)
Equity, Since 31 Jul 24 | SBIN4% ₹41 Cr 442,500 Bharat Electronics Ltd (Industrials)
Equity, Since 31 Jul 19 | BEL4% ₹37 Cr 869,000 NTPC Ltd (Utilities)
Equity, Since 30 Nov 18 | 5325554% ₹36 Cr 1,066,480 InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Jan 23 | INDIGO3% ₹33 Cr 58,250 GE Vernova T&D India Ltd (Industrials)
Equity, Since 31 Jan 24 | 5222753% ₹32 Cr 105,185 Tata Power Co Ltd (Utilities)
Equity, Since 30 Sep 24 | 5004003% ₹32 Cr 785,000 CG Power & Industrial Solutions Ltd (Industrials)
Equity, Since 31 Oct 23 | 5000933% ₹30 Cr 413,150
↑ 30,000 Dixon Technologies (India) Ltd (Technology)
Equity, Since 31 Oct 23 | DIXON3% ₹29 Cr 18,950
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Great Read. Clarified my doubts.