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Fincash » Mutual Funds » Australia-Based NRI Investment in Mutual Funds

Mutual Funds for Australia-Based NRI Investing in India

Updated on June 28, 2025 , 9543 views

As, India is one of the fastest growing economies in the world with over 5 percent GDP growth for many years, it attracts thousands of NRI investors from abroad. World Bank and IMF have projected India’s GDP to grow at 7.4 percent and 7.8 percent in 2018 and 2019 respectively. Currently, India is world’s fifth largest Economy at $2.7 trillion GDP.

Non-Resident Indians (NRIs) living in Australia can plan their investment in Mutual Funds India in order to earn optimal returns in the long-run. Australia-based NRIs can invest in stocks in India via mutual funds by Investing in Equity Funds. Equities are ideal for long-term investments, if you have goals like retirement, purchase of a house, or if you just want to build wealth these funds can be an ideal option. And in case, if you want to earn returns higher than bank savings accounts than investing in debt funds for short-term is advisable. Before investing, one should always access their risk ability.

Australia-based NRIs who want to invest in Mutual Funds in India there are some of the important guidelines & rules that need to be followed in order to begin their investment.

Australia-NRI

Accounts for NRIs Living in Australia

To invest in Mutual Funds in India one is supposed to open any of the following accounts with an Indian bank:

NRE Account

This is Non-Resident External (NRE) account which can be in the form of savings, current, fixed or Recurring deposit. You need to deposit the foreign currency in this account. To be able to deposit Indian currency, you must open NRO account. There is no upper limit on the transaction amount in an NRE account.

NRO Account

The NRO or Non-Resident Ordinary account is in the form of savings or current account that is meant for NRIs to manage their Income earned in India. In NRO account, foreign currency gets converted into Indian rupees after it gets deposited. An NRO account can be held jointly with another NRI as well as resident Indian (close relatives).

FCNR Account

This stands for Foreign Currency Non-Repatriable account deposits. In this account, NRIs can remit their Earnings in one of the six currencies such as Canadian $, US$, Euro, AU$, Yen, and Pound. Funds can be transferred from other FCNR or NRE accounts. In FCNR, the principal and interest don’t accrue any tax.

Once you open any of these accounts, you need successfully complete your KYC (Know Your Customer), under KYC norms, which is set by SEBI (Securities Exchange Board of India). One can complete their KYC with any of the SEBI-registered intermediates.

KYC Procedure for Australia NRIs to Invest in Mutual Funds

To successfully complete your KYC procedure, Australia NRIs need to complete certain important steps and furnish documents like:

a. KYC Form

An NRI needs to submit the KYC Form with all the necessary details filled to the SEBI registered intermediate. The documents can be sent by courier/post to the intermediate.

b. Documents

Following are the necessary documents that need to be submitted:

  • Overseas address proof
  • Indian resident address proof
  • A recent photograph
  • Passport copy

In case of NRIs in the Merchant Navy, a mariner’s declaration or certified copy of Continuous Discharge Certificate must be submitted.

c. Attestation

NRIs or PIOs (Person of India Origin) can get the above documents attested by the authorised officials of overseas branches of scheduled commercial banks registered in India, judge, court magistrate, public notaries, or the Indian embassy/consulate general in the country that they are located.

d. In Personal Verification (IPV)

As per SEBI rules, IPV is mandatory for KYC process. The intermediate should conduct the IPV of NRIs/PIOs.

Please note that all the above documents/proofs while submitting should be in the English language.

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Mutual Fund Taxation for Non-Resident Indian(NRI)

Capital Gains Tax Rates on NRI Mutual Fund Investments for the Financial Year 2017-18 (Assessment Year 2018-19) are as below:

NRI taxation on Mutual Funds- Capital Gains Tax Rates- FY 2017/2018 (AY- 2018-19)

Types of Mutual Fund Scheme Short Term Capital Gains (STCG) Long Term Capital Gains (LTCG)
Equity Funds- STCG- Units held less than or equal to a year, LTCG- Units held more than a year 15% Nil
Non-Equity Funds- STCG- Units held for 3 years or less, LTCG- Units held for more than 3 years As per Individual’s income tax bracket On listed funds-20% (with indexation), Unlisted funds- 10% (without indexation)

Mutual Fund Taxation on Dividends

  • Dividends on Equity Funds: The dividend received in the hands of unit holder for equity funds is completely tax-free. The dividend is also tax-free to the AMC.

  • Dividends on Debt Funds: The AMC has to pay a dividend distribution tax (DDT) of 28.84% before distributing this dividend income to its unit-holders. The dividend income received by a Debt fund unit holder is also tax-free.

Below is the TDS rate applicable on MF redemptions by NRIs for AY 2018-19.

NRI Taxation on Mutual Funds- Capital Gains Tax Rates- FY 2017/2018 (AY- 2018-19)

Mutual Fund Redemptions by NRIs & TDS Rate STCG & TDS Rate LTCG & TDS Rate
Type of MF Scheme
Equity Oriented Funds 15% Nil
Debt Funds 30% On listed funds- 20% (with indexation), unlisted funds- 10% (without indexation)

Some of the most popular cities in Australia where you can find most Indians are:

  • Sydney
  • Melbourne
  • Brisbane
  • Perth
  • Adelaide

Best Mutual Funds for Australia-Based NRIs

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
UTI Banking & PSU Debt Fund Growth ₹21.9973
↑ 0.01
₹8002.74.997.677.6
UTI Dynamic Bond Fund Growth ₹31.0322
↑ 0.03
₹4772.14.58.97.38.58.6
Sundaram Rural and Consumption Fund Growth ₹98.4157
↓ -0.08
₹1,54810.80.48.322.421.320.1
L&T India Value Fund Growth ₹112.65
↑ 0.52
₹13,32514.54.95.130.429.725.9
L&T Emerging Businesses Fund Growth ₹83.9765
↑ 0.68
₹16,06115.7-5.2-1.227.135.328.5
BNP Paribas Multi Cap Fund Growth ₹73.5154
↓ -0.01
₹588-4.6-2.619.317.313.6
Sundaram Mid Cap Fund Growth ₹1,393.5
↑ 7.04
₹12,34412.81930.229.232
UTI Short Term Income Fund Growth ₹31.8225
↑ 0.02
₹2,8222.54.78.97.67.17.9
UTI Bond Fund Growth ₹73.4655
↑ 0.05
₹3341.94.48.87.68.28.5
L&T Flexi Bond Fund Growth ₹29.6318
↑ 0.02
₹1851.54.48.77.45.38.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Jun 25

1. UTI Banking & PSU Debt Fund

The investment objective of the scheme is to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of predominantly debt & money market securities by Banks and Public Sector Undertakings (PSUs).

UTI Banking & PSU Debt Fund is a Debt - Banking & PSU Debt fund was launched on 3 Feb 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.2% since its launch.  Ranked 3 in Banking & PSU Debt category.  Return for 2024 was 7.6% , 2023 was 6.7% and 2022 was 10.3% .

Below is the key information for UTI Banking & PSU Debt Fund

UTI Banking & PSU Debt Fund
Growth
Launch Date 3 Feb 14
NAV (30 Jun 25) ₹21.9973 ↑ 0.01   (0.05 %)
Net Assets (Cr) ₹800 on 31 May 25
Category Debt - Banking & PSU Debt
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 0.55
Sharpe Ratio 2.2
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.44%
Effective Maturity 2 Years 2 Months 23 Days
Modified Duration 1 Year 11 Months 12 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,396
30 Jun 22₹11,289
30 Jun 23₹12,086
30 Jun 24₹12,889

UTI Banking & PSU Debt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for UTI Banking & PSU Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jun 25

DurationReturns
1 Month 0.3%
3 Month 2.7%
6 Month 4.9%
1 Year 9%
3 Year 7.6%
5 Year 7%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.6%
2023 6.7%
2022 10.3%
2021 2.8%
2020 8.9%
2019 -1%
2018 6.8%
2017 6.4%
2016 11.7%
2015 8.6%
Fund Manager information for UTI Banking & PSU Debt Fund
NameSinceTenure
Anurag Mittal1 Dec 213.5 Yr.

Data below for UTI Banking & PSU Debt Fund as on 31 May 25

Asset Allocation
Asset ClassValue
Cash3.94%
Debt95.73%
Other0.33%
Debt Sector Allocation
SectorValue
Corporate52.65%
Government43.08%
Cash Equivalent3.94%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.38% Govt Stock 2027
Sovereign Bonds | -
12%₹93 Cr900,000,000
Axis Bank Limited
Debentures | -
7%₹56 Cr550
Export Import Bank Of India
Debentures | -
6%₹51 Cr5,000
Small Industries Development Bank Of India
Debentures | -
6%₹51 Cr5,000
Power Finance Corporation Limited
Debentures | -
5%₹41 Cr400
Rural Electrification Corporation Limited
Debentures | -
4%₹36 Cr3,500
HDFC Bank Limited
Debentures | -
4%₹35 Cr350
Indian Railway Finance Corporation Limited
Debentures | -
4%₹31 Cr300
National Bank For Agriculture And Rural Development
Debentures | -
4%₹31 Cr3,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹26 Cr250

2. UTI Dynamic Bond Fund

The investment objective of the scheme is to generate optimal returns with adequate liquidity through active management of the portfolio, by investing in debt and money market instruments. However, there can be no assurance that the investment objective of the scheme will be realized.

UTI Dynamic Bond Fund is a Debt - Dynamic Bond fund was launched on 16 Jun 10. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.8% since its launch.  Ranked 3 in Dynamic Bond category.  Return for 2024 was 8.6% , 2023 was 6.2% and 2022 was 10.1% .

Below is the key information for UTI Dynamic Bond Fund

UTI Dynamic Bond Fund
Growth
Launch Date 16 Jun 10
NAV (30 Jun 25) ₹31.0322 ↑ 0.03   (0.09 %)
Net Assets (Cr) ₹477 on 31 May 25
Category Debt - Dynamic Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 1.54
Sharpe Ratio 1.52
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.56%
Effective Maturity 8 Years 2 Months 5 Days
Modified Duration 5 Years 4 Months 20 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,245
30 Jun 22₹12,137
30 Jun 23₹12,880
30 Jun 24₹13,785

UTI Dynamic Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148
Invest Now

Returns for UTI Dynamic Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jun 25

DurationReturns
1 Month -0.6%
3 Month 2.1%
6 Month 4.5%
1 Year 8.9%
3 Year 7.3%
5 Year 8.5%
10 Year
15 Year
Since launch 7.8%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.6%
2023 6.2%
2022 10.1%
2021 10.8%
2020 5.9%
2019 -3.9%
2018 5.2%
2017 4.2%
2016 14.9%
2015 6.9%
Fund Manager information for UTI Dynamic Bond Fund
NameSinceTenure
Pankaj Pathak8 Apr 250.15 Yr.

Data below for UTI Dynamic Bond Fund as on 31 May 25

Asset Allocation
Asset ClassValue
Cash5.42%
Debt94.28%
Other0.3%
Debt Sector Allocation
SectorValue
Government54.83%
Corporate39.45%
Cash Equivalent5.42%
Credit Quality
RatingValue
AA1.18%
AAA98.82%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.92% Govt Stock 2039
Sovereign Bonds | -
19%₹92 Cr900,000,000
6.79% Govt Stock 2034
Sovereign Bonds | -
11%₹51 Cr500,000,000
National Bank For Agriculture And Rural Development
Debentures | -
9%₹41 Cr4,000
Small Industries Development Bank Of India
Debentures | -
9%₹41 Cr4,000
Rec Limited
Debentures | -
9%₹41 Cr4,000
Power Finance Corporation Limited
Debentures | -
5%₹26 Cr2,500
LIC Housing Finance Ltd
Debentures | -
5%₹25 Cr2,500
↑ 2,500
Indian Railway Finance Corporation Limited
Debentures | -
5%₹25 Cr2,500
Bajaj Finance Limited
Debentures | -
5%₹25 Cr2,500
Ntpc Limited
Debentures | -
5%₹25 Cr2,500

3. Sundaram Rural and Consumption Fund

(Erstwhile Sundaram Rural India Fund)

The primary investment objective of the scheme is to generate consistent long-term returns by investing predominantly in equity & equity related instruments of companies that are focusing on Rural India.

Sundaram Rural and Consumption Fund is a Equity - Sectoral fund was launched on 12 May 06. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 12.7% since its launch.  Ranked 2 in Sectoral category.  Return for 2024 was 20.1% , 2023 was 30.2% and 2022 was 9.3% .

Below is the key information for Sundaram Rural and Consumption Fund

Sundaram Rural and Consumption Fund
Growth
Launch Date 12 May 06
NAV (30 Jun 25) ₹98.4157 ↓ -0.08   (-0.08 %)
Net Assets (Cr) ₹1,548 on 31 May 25
Category Equity - Sectoral
AMC Sundaram Asset Management Company Ltd
Rating
Risk Moderately High
Expense Ratio 2.23
Sharpe Ratio 0.4
Information Ratio 0.09
Alpha Ratio 3.32
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹14,316
30 Jun 22₹14,340
30 Jun 23₹18,300
30 Jun 24₹24,282

Sundaram Rural and Consumption Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033
Invest Now

Returns for Sundaram Rural and Consumption Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jun 25

DurationReturns
1 Month 3.3%
3 Month 10.8%
6 Month 0.4%
1 Year 8.3%
3 Year 22.4%
5 Year 21.3%
10 Year
15 Year
Since launch 12.7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 20.1%
2023 30.2%
2022 9.3%
2021 19.3%
2020 13.5%
2019 2.7%
2018 -7.8%
2017 38.7%
2016 21.1%
2015 6.3%
Fund Manager information for Sundaram Rural and Consumption Fund
NameSinceTenure
Ratish Varier1 Jan 223.42 Yr.

Data below for Sundaram Rural and Consumption Fund as on 31 May 25

Equity Sector Allocation
SectorValue
Consumer Cyclical41.5%
Consumer Defensive31.88%
Communication Services11.47%
Health Care3.51%
Financial Services3.01%
Real Estate2.21%
Basic Materials1.4%
Asset Allocation
Asset ClassValue
Cash5.03%
Equity94.97%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 22 | BHARTIARTL
9%₹147 Cr789,519
ITC Ltd (Consumer Defensive)
Equity, Since 31 Jul 13 | ITC
8%₹125 Cr2,991,251
Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 30 Apr 22 | M&M
8%₹116 Cr390,720
Hindustan Unilever Ltd (Consumer Defensive)
Equity, Since 30 Apr 16 | HINDUNILVR
7%₹103 Cr440,212
Titan Co Ltd (Consumer Cyclical)
Equity, Since 29 Feb 20 | TITAN
5%₹76 Cr212,692
↓ -22,597
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Jul 12 | MARUTI
5%₹72 Cr58,511
Eternal Ltd (Consumer Cyclical)
Equity, Since 31 May 24 | 543320
5%₹72 Cr3,000,962
United Spirits Ltd (Consumer Defensive)
Equity, Since 31 Dec 18 | UNITDSPR
4%₹69 Cr453,496
Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 31 Jul 22 | APOLLOHOSP
4%₹54 Cr79,027
Safari Industries (India) Ltd (Consumer Cyclical)
Equity, Since 28 Feb 22 | 523025
3%₹52 Cr225,560
↓ -20,000

4. L&T India Value Fund

To generate long-term capital appreciation from diversified portfolio of predominantly equity and equity related securities, in the Indian markets with higher focus on undervalued securities. The Scheme could also additionally invest in Foreign Securities in international markets.

L&T India Value Fund is a Equity - Value fund was launched on 8 Jan 10. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 16.9% since its launch.  Ranked 4 in Value category.  Return for 2024 was 25.9% , 2023 was 39.4% and 2022 was 5.2% .

Below is the key information for L&T India Value Fund

L&T India Value Fund
Growth
Launch Date 8 Jan 10
NAV (30 Jun 25) ₹112.65 ↑ 0.52   (0.46 %)
Net Assets (Cr) ₹13,325 on 31 May 25
Category Equity - Value
AMC L&T Investment Management Ltd
Rating
Risk Moderately High
Expense Ratio 1.77
Sharpe Ratio 0.14
Information Ratio 1.48
Alpha Ratio -1.05
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
30 Jun 20₹10,000
30 Jun 21₹16,614
30 Jun 22₹16,547
30 Jun 23₹21,813
30 Jun 24₹34,942

L&T India Value Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹627,226.
Net Profit of ₹327,226
Invest Now

Returns for L&T India Value Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jun 25

DurationReturns
1 Month 5.1%
3 Month 14.5%
6 Month 4.9%
1 Year 5.1%
3 Year 30.4%
5 Year 29.7%
10 Year
15 Year
Since launch 16.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 25.9%
2023 39.4%
2022 5.2%
2021 40.3%
2020 14.6%
2019 4.6%
2018 -11.4%
2017 41.3%
2016 8.1%
2015 12.9%
Fund Manager information for L&T India Value Fund
NameSinceTenure
Venugopal Manghat24 Nov 1212.53 Yr.
Sonal Gupta1 Oct 231.67 Yr.

Data below for L&T India Value Fund as on 31 May 25

Equity Sector Allocation
SectorValue
Financial Services32.26%
Basic Materials14.96%
Industrials10.45%
Consumer Cyclical10.44%
Consumer Defensive8.4%
Technology7.46%
Energy4.36%
Real Estate3.92%
Utility2.38%
Communication Services1.96%
Health Care1.23%
Asset Allocation
Asset ClassValue
Cash1.61%
Equity98.39%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | HDFCBANK
4%₹593 Cr3,047,100
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Apr 11 | ICICIBANK
4%₹541 Cr3,738,600
↓ -643,500
Paradeep Phosphates Ltd (Basic Materials)
Equity, Since 30 Sep 23 | 543530
3%₹428 Cr24,824,061
↓ -5,890,939
Godfrey Phillips India Ltd (Consumer Defensive)
Equity, Since 31 May 24 | GODFRYPHLP
3%₹404 Cr464,350
Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 30 Sep 23 | MCX
3%₹394 Cr596,611
Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 15 | RELIANCE
3%₹394 Cr2,769,911
State Bank of India (Financial Services)
Equity, Since 30 Nov 20 | SBIN
3%₹367 Cr4,516,900
Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 31 Jul 20 | M&M
2%₹325 Cr1,092,500
NTPC Ltd (Utilities)
Equity, Since 30 Apr 22 | NTPC
2%₹317 Cr9,497,371
The Federal Bank Ltd (Financial Services)
Equity, Since 31 Oct 20 | FEDERALBNK
2%₹303 Cr15,016,900
↓ -2,344,200

5. 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 21.1% 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 (30 Jun 25) ₹83.9765 ↑ 0.68   (0.82 %)
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
30 Jun 20₹10,000
30 Jun 21₹20,185
30 Jun 22₹22,103
30 Jun 23₹29,592
30 Jun 24₹45,892

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 ₹721,906.
Net Profit of ₹421,906
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 30 Jun 25

DurationReturns
1 Month 5.1%
3 Month 15.7%
6 Month -5.2%
1 Year -1.2%
3 Year 27.1%
5 Year 35.3%
10 Year
15 Year
Since launch 21.1%
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
Industrials28.92%
Financial Services16.18%
Consumer Cyclical15.6%
Basic Materials11.06%
Technology8.65%
Health Care7.18%
Consumer Defensive4.31%
Real Estate3.79%
Energy0.9%
Asset Allocation
Asset ClassValue
Cash3.42%
Equity96.58%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Aditya Birla Real Estate Ltd (Basic Materials)
Equity, Since 30 Sep 22 | ABREL
2%₹348 Cr1,595,574
Techno Electric & Engineering Co Ltd (Industrials)
Equity, Since 31 Jan 19 | TECHNOE
2%₹340 Cr2,414,100
↑ 129,138
K.P.R. Mill Ltd (Consumer Cyclical)
Equity, Since 28 Feb 15 | KPRMILL
2%₹335 Cr2,972,250
↓ -545,950
Nippon Life India Asset Management Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Aug 24 | NAM-INDIA
2%₹329 Cr4,446,300
Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 29 Feb 24 | MCX
2%₹316 Cr479,200
↑ 24,050
The Federal Bank Ltd (Financial Services)
Equity, Since 30 Sep 22 | FEDERALBNK
2%₹314 Cr15,544,000
Jyoti CNC Automation Ltd (Industrials)
Equity, Since 31 Jan 24 | JYOTICNC
2%₹300 Cr2,317,401
PNB Housing Finance Ltd (Financial Services)
Equity, Since 31 Jul 24 | PNBHOUSING
2%₹268 Cr2,566,200
Neuland Laboratories Ltd (Healthcare)
Equity, Since 31 Jan 24 | NEULANDLAB
2%₹266 Cr231,110
↓ -30,267
Karur Vysya Bank Ltd (Financial Services)
Equity, Since 31 Oct 22 | KARURVYSYA
2%₹264 Cr11,912,400

6. BNP Paribas Multi Cap Fund

(Erstwhile BNP Paribas Dividend Yield Fund)

The investment objective of the scheme is to generate long term capital growth from an actively managed portfolio of equity and equity related securities, primarily being high dividend yield stocks. High dividend yield stocks are defined as stocks of companies that have a dividend yield in excess of 0.5%, at the time of investment. However, there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

BNP Paribas Multi Cap Fund is a Equity - Multi Cap fund was launched on 15 Sep 05. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 12.9% since its launch.  Ranked 18 in Multi Cap category. .

Below is the key information for BNP Paribas Multi Cap Fund

BNP Paribas Multi Cap Fund
Growth
Launch Date 15 Sep 05
NAV (13 Mar 22) ₹73.5154 ↓ -0.01   (-0.01 %)
Net Assets (Cr) ₹588 on 31 Jan 22
Category Equity - Multi Cap
AMC BNP Paribas Asset Mgmt India Pvt. Ltd
Rating
Risk Moderately High
Expense Ratio 2.44
Sharpe Ratio 2.86
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹15,708

BNP Paribas Multi 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 ₹426,080.
Net Profit of ₹126,080
Invest Now

Returns for BNP Paribas Multi 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 30 Jun 25

DurationReturns
1 Month -4.4%
3 Month -4.6%
6 Month -2.6%
1 Year 19.3%
3 Year 17.3%
5 Year 13.6%
10 Year
15 Year
Since launch 12.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for BNP Paribas Multi Cap Fund
NameSinceTenure

Data below for BNP Paribas Multi Cap Fund as on 31 Jan 22

Equity Sector Allocation
SectorValue
Asset Allocation
Asset ClassValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

7. Sundaram Mid Cap Fund

(Erstwhile Sundaram Select Midcap Fund)

To achieve capital appreciation by investing in diversified stocks that are generally termed as mid-caps.

Sundaram Mid Cap Fund is a Equity - Mid Cap fund was launched on 30 Jul 02. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 24% since its launch.  Ranked 13 in Mid Cap category.  Return for 2024 was 32% , 2023 was 40.4% and 2022 was 4.8% .

Below is the key information for Sundaram Mid Cap Fund

Sundaram Mid Cap Fund
Growth
Launch Date 30 Jul 02
NAV (30 Jun 25) ₹1,393.5 ↑ 7.04   (0.51 %)
Net Assets (Cr) ₹12,344 on 31 May 25
Category Equity - Mid Cap
AMC Sundaram Asset Management Company Ltd
Rating
Risk Moderately High
Expense Ratio 1.8
Sharpe Ratio 0.38
Information Ratio 0.1
Alpha Ratio 2.99
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹16,403
30 Jun 22₹16,325
30 Jun 23₹21,303
30 Jun 24₹33,059

Sundaram Mid 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 ₹627,226.
Net Profit of ₹327,226
Invest Now

Returns for Sundaram Mid 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 30 Jun 25

DurationReturns
1 Month 3.7%
3 Month 12.8%
6 Month 1%
1 Year 9%
3 Year 30.2%
5 Year 29.2%
10 Year
15 Year
Since launch 24%
Historical performance (Yearly) on absolute basis
YearReturns
2024 32%
2023 40.4%
2022 4.8%
2021 37.5%
2020 11.8%
2019 -0.3%
2018 -15.4%
2017 40.8%
2016 11.3%
2015 11.2%
Fund Manager information for Sundaram Mid Cap Fund
NameSinceTenure
S. Bharath24 Feb 214.27 Yr.
Ratish Varier24 Feb 214.27 Yr.

Data below for Sundaram Mid Cap Fund as on 31 May 25

Equity Sector Allocation
SectorValue
Consumer Cyclical18.72%
Financial Services17.21%
Industrials14.53%
Basic Materials10.57%
Health Care10.4%
Technology6.5%
Consumer Defensive4.02%
Real Estate3.74%
Communication Services2.44%
Energy2.05%
Utility1.87%
Asset Allocation
Asset ClassValue
Cash7.89%
Equity92.11%
Other0%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Cummins India Ltd (Industrials)
Equity, Since 31 Dec 17 | CUMMINSIND
3%₹422 Cr1,290,127
↑ 20,000
Coromandel International Ltd (Basic Materials)
Equity, Since 30 Nov 10 | COROMANDEL
3%₹396 Cr1,731,853
↓ -15,329
The Federal Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | FEDERALBNK
3%₹389 Cr19,247,362
Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 31 Mar 21 | KALYANKJIL
3%₹337 Cr6,016,821
Lupin Ltd (Healthcare)
Equity, Since 31 Jan 23 | LUPIN
2%₹274 Cr1,401,952
↑ 51,631
Fortis Healthcare Ltd (Healthcare)
Equity, Since 31 Dec 21 | FORTIS
2%₹274 Cr3,879,249
Persistent Systems Ltd (Technology)
Equity, Since 30 Apr 22 | PERSISTENT
2%₹273 Cr484,892
GE Vernova T&D India Ltd (Industrials)
Equity, Since 30 Sep 24 | 522275
2%₹264 Cr1,179,542
Marico Ltd (Consumer Defensive)
Equity, Since 30 Jun 24 | MARICO
2%₹258 Cr3,599,583
Hindustan Petroleum Corp Ltd (Energy)
Equity, Since 31 Oct 21 | HINDPETRO
2%₹253 Cr6,144,382
↑ 143,420

8. UTI Short Term Income Fund

To generate steady and reasonable income with low risk and high level of liquidity from a portfolio of money market securities and high quality debt.

UTI Short Term Income Fund is a Debt - Short term Bond fund was launched on 19 Sep 07. It is a fund with Moderate risk and has given a CAGR/Annualized return of 6.7% since its launch.  Ranked 10 in Short term Bond category.  Return for 2024 was 7.9% , 2023 was 6.9% and 2022 was 3.8% .

Below is the key information for UTI Short Term Income Fund

UTI Short Term Income Fund
Growth
Launch Date 19 Sep 07
NAV (30 Jun 25) ₹31.8225 ↑ 0.02   (0.06 %)
Net Assets (Cr) ₹2,822 on 31 May 25
Category Debt - Short term Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 0.94
Sharpe Ratio 2.1
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.69%
Effective Maturity 3 Years 7 Months 24 Days
Modified Duration 2 Years 8 Months 12 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,517
30 Jun 22₹11,310
30 Jun 23₹12,077
30 Jun 24₹12,931

UTI Short Term Income Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for UTI Short Term Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jun 25

DurationReturns
1 Month 0.2%
3 Month 2.5%
6 Month 4.7%
1 Year 8.9%
3 Year 7.6%
5 Year 7.1%
10 Year
15 Year
Since launch 6.7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.9%
2023 6.9%
2022 3.8%
2021 8.4%
2020 10.5%
2019 -3.9%
2018 6%
2017 6.1%
2016 10.1%
2015 8.3%
Fund Manager information for UTI Short Term Income Fund
NameSinceTenure
Anurag Mittal8 Apr 250.15 Yr.
Sudhir Agarwal25 Oct 1212.61 Yr.

Data below for UTI Short Term Income Fund as on 31 May 25

Asset Allocation
Asset ClassValue
Cash7.97%
Debt91.8%
Other0.23%
Debt Sector Allocation
SectorValue
Corporate71.94%
Government24.47%
Cash Equivalent3.36%
Credit Quality
RatingValue
AA9.97%
AAA90.03%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2034
Sovereign Bonds | -
10%₹314 Cr3,050,000,000
LIC Housing Finance Ltd
Debentures | -
6%₹179 Cr1,750
National Housing Bank
Debentures | -
6%₹179 Cr17,500
Small Industries Development Bank Of India
Debentures | -
6%₹179 Cr17,500
Power Finance Corporation Limited
Debentures | -
6%₹178 Cr17,500
Axis Bank Ltd.
Debentures | -
5%₹141 Cr1,500,000,000
↑ 1,500,000,000
National Bank For Agriculture And Rural Development
Debentures | -
4%₹127 Cr12,500
↓ -5,000
Export Import Bank Of India
Debentures | -
4%₹127 Cr12,500
↑ 12,500
Mankind Pharma Limited
Debentures | -
3%₹102 Cr10,000
↑ 2,500
Export-Import Bank of India
Domestic Bonds | -
3%₹94 Cr1,000,000,000
↑ 1,000,000,000

9. UTI Bond Fund

(Erstwhile UTI - Bond Fund)

The Scheme will retain the flexibility to invest in the entire range of debt and money market instruments. The flexibility is being retained to adjust the portfolio in response to a change in the risk to return equation for asset classes under investment, with a view to maintain risks within manageable limits.

UTI Bond Fund is a Debt - Medium to Long term fund was launched on 4 May 98. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.6% since its launch.  Ranked 11 in Medium to Long term category.  Return for 2024 was 8.5% , 2023 was 6.4% and 2022 was 9.9% .

Below is the key information for UTI Bond Fund

UTI Bond Fund
Growth
Launch Date 4 May 98
NAV (30 Jun 25) ₹73.4655 ↑ 0.05   (0.07 %)
Net Assets (Cr) ₹334 on 31 May 25
Category Debt - Medium to Long term
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 1.62
Sharpe Ratio 1.62
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.74%
Effective Maturity 9 Years 6 Months 4 Days
Modified Duration 6 Years 1 Month 24 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,277
30 Jun 22₹11,894
30 Jun 23₹12,815
30 Jun 24₹13,638

UTI Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148
Invest Now

Returns for UTI Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jun 25

DurationReturns
1 Month -0.8%
3 Month 1.9%
6 Month 4.4%
1 Year 8.8%
3 Year 7.6%
5 Year 8.2%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.5%
2023 6.4%
2022 9.9%
2021 9.4%
2020 1.1%
2019 -5.8%
2018 4%
2017 3.6%
2016 13.9%
2015 6.3%
Fund Manager information for UTI Bond Fund
NameSinceTenure
Sunil Patil17 Apr 232.21 Yr.

Data below for UTI Bond Fund as on 31 May 25

Asset Allocation
Asset ClassValue
Cash3.94%
Debt95.8%
Other0.26%
Debt Sector Allocation
SectorValue
Government62.94%
Corporate32.86%
Cash Equivalent3.94%
Credit Quality
RatingValue
AA11.1%
AAA88.9%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.92% Govt Stock 2039
Sovereign Bonds | -
37%₹122 Cr1,190,000,000
6.79% Govt Stock 2034
Sovereign Bonds | -
8%₹26 Cr250,000,000
LIC Housing Finance Ltd
Debentures | -
8%₹26 Cr250
7.08% A P Sgl Mat - 26/03/2037
Sovereign Bonds | -
8%₹25 Cr250,000,000
Indian Railway Finance Corporation Limited
Debentures | -
8%₹25 Cr2,500
Hdb Financial Services Limited
Debentures | -
8%₹25 Cr250
Aditya Birla Renewables Limited
Debentures | -
5%₹15 Cr1,500
Cholamandalam Investment And Finance Company Limited
Debentures | -
5%₹15 Cr1,500
INDIA UNIVERSAL TRUST AL1
Unlisted bonds | -
4%₹14 Cr15
Bajaj Finance Limited
Debentures | -
2%₹7 Cr700

10. L&T Flexi Bond Fund

To generate reasonable returns through a diversified portfolio of fixed income securities.

L&T Flexi Bond Fund is a Debt - Dynamic Bond fund was launched on 30 Aug 06. It is a fund with Moderate risk and has given a CAGR/Annualized return of 5.9% since its launch.  Ranked 4 in Dynamic Bond category.  Return for 2024 was 8.7% , 2023 was 6.5% and 2022 was 2.6% .

Below is the key information for L&T Flexi Bond Fund

L&T Flexi Bond Fund
Growth
Launch Date 30 Aug 06
NAV (30 Jun 25) ₹29.6318 ↑ 0.02   (0.07 %)
Net Assets (Cr) ₹185 on 31 May 25
Category Debt - Dynamic Bond
AMC L&T Investment Management Ltd
Rating
Risk Moderate
Expense Ratio 0.77
Sharpe Ratio 1.38
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 1,000
Exit Load 0-1 Years (0.5%),1 Years and above(NIL)
Yield to Maturity 6.69%
Effective Maturity 16 Years 9 Months 14 Days
Modified Duration 8 Years 1 Month 17 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,283
30 Jun 22₹10,475
30 Jun 23₹11,101
30 Jun 24₹11,936

L&T Flexi Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for L&T Flexi Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jun 25

DurationReturns
1 Month -1.1%
3 Month 1.5%
6 Month 4.4%
1 Year 8.7%
3 Year 7.4%
5 Year 5.3%
10 Year
15 Year
Since launch 5.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.7%
2023 6.5%
2022 2.6%
2021 1%
2020 10.8%
2019 9.5%
2018 6.1%
2017 2.9%
2016 14.8%
2015 7.5%
Fund Manager information for L&T Flexi Bond Fund
NameSinceTenure
Shriram Ramanathan2 Feb 1510.41 Yr.
Mahesh Chhabria1 May 241.16 Yr.

Data below for L&T Flexi Bond Fund as on 31 May 25

Asset Allocation
Asset ClassValue
Cash1.21%
Debt98.47%
Other0.32%
Debt Sector Allocation
SectorValue
Government74.49%
Corporate23.99%
Cash Equivalent1.21%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.34% Govt Stock 2064
Sovereign Bonds | -
19%₹34 Cr3,200,000
↑ 1,000,000
6.33% Government Of India
Sovereign Bonds | -
14%₹27 Cr2,617,886
↑ 2,617,886
6.92% Govt Stock 2039
Sovereign Bonds | -
14%₹26 Cr2,450,000
7.09% Govt Stock 2054
Sovereign Bonds | -
11%₹21 Cr2,000,000
↓ -500,000
National Bank For Agriculture And Rural Development
Debentures | -
8%₹16 Cr1,500
↑ 1,500
Power Finance Corporation Ltd.
Debentures | -
7%₹13 Cr1,200
↑ 1,200
Rec Limited
Debentures | -
6%₹11 Cr110
Bajaj Finance Limited
Debentures | -
5%₹10 Cr1,000
↑ 1,000
National Housing Bank
Debentures | -
5%₹10 Cr1,000
↑ 1,000
6.79% Govt Stock 2034
Sovereign Bonds | -
4%₹7 Cr650,000
↓ -2,350,000

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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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