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Mutual Funds for New Zealand-Based NRI Investing in India
NRIs living in New Zealand can invest in a host of mutual fund schemes as per their investment objectives. Also, one who wants to diversify the investment portfolio and earn optimal returns over the time, Mutual Funds are a great option to consider.
Non-Resident Indians (NRIs) living in New Zealand can benefit from a growing home Economy by Investing in mutual funds in India. Since, the time there were headlines of India announced as the sixth largest economy in the World, it caught many NRIs investors’ attention.
Traditionally, Non-Resident Indians have been more comfortable investing in real estate in India. But, the growing economy of India has broadened the investment choices for them, especially mutual funds.
NRIs most often prefer investing in mutual funds for two main reasons- one is as they can indirectly participate in stocks via equities and the other is they can earn more returns than Bank savings accounts for a short-term by investing in debt funds. Mutual funds are also a great option for portfolio diversification. As MFs invest in multiple securities this diversifies the risk.
Mutual Fund Investment for NRIs Living in New Zealand
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 New Zealand NRIs to Invest in Mutual Funds
To successfully complete your KYC procedure, New Zealand 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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Non-Resident Indian (NRI) Mutual Fund Taxation
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) |
Best Mutual Funds for New Zealand NRIs
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2021 (%) UTI Dynamic Bond Fund Growth ₹25.0694
↓ 0.00 ₹354 7.6 7.2 18.2 8.9 4.8 10.8 L&T Emerging Businesses Fund Growth ₹40.293
↑ 0.77 ₹7,580 -9.8 -10.5 10.2 20.1 11.4 77.4 UTI Banking & PSU Debt Fund Growth ₹17.6507
↓ 0.00 ₹269 5.7 6.6 8.4 7.1 5.3 2.8 Sundaram Rural and Consumption Fund Growth ₹53.9888
↑ 0.87 ₹1,119 -2.1 -3.5 0.9 10.1 6.5 19.3 L&T India Value Fund Growth ₹50.196
↑ 0.43 ₹7,297 -11.8 -11.4 -0.1 12 8.1 40.3 BNP Paribas Multi Cap Fund Growth ₹73.5154
↓ -0.01 ₹588 -4.6 -2.6 19.3 17.3 13.6 UTI Bond Fund Growth ₹58.828
↓ -0.04 ₹296 6.5 6.1 15.4 5.9 2.7 9.4 UTI Treasury Advantage Fund Growth ₹2,870.96
↑ 0.50 ₹3,010 0.6 1.6 8.6 7.3 4.7 9 UTI Short Term Income Fund Growth ₹25.5325
↑ 0.00 ₹2,425 -0.1 0.7 7.4 8.2 4.7 8.4 Sundaram Debt Oriented Hybrid Fund Growth ₹23.0578
↑ 0.03 ₹31 -2.1 -2.2 6.7 7.1 4.9 14.5 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Jun 22
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 Below is the key information for UTI Dynamic Bond 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 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 Below is the key information for UTI Banking & PSU Debt Fund Returns up to 1 year are on (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 Below is the key information for Sundaram Rural and Consumption Fund Returns up to 1 year are on 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 Below is the key information for L&T India Value Fund Returns up to 1 year are on (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 Below is the key information for BNP Paribas Multi Cap Fund Returns up to 1 year are on (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 Below is the key information for UTI Bond Fund Returns up to 1 year are on The scheme will endeavour to generate an attractive return for its investors consistent with capital preservation and liquidity by investing in a portfolio of quality debt securities, money market instruments and structured obligations. UTI Treasury Advantage Fund is a Debt - Low Duration fund was launched on 23 Apr 07. It is a fund with Moderately Low risk and has given a Below is the key information for UTI Treasury Advantage Fund Returns up to 1 year are on 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 Below is the key information for UTI Short Term Income Fund Returns up to 1 year are on (Erstwhile Sundaram Monthly Income Plan - Aggressive Fund) To generate regular income through investment in fixed
income securities. The secondary objective is to generate
long term capital appreciation by investing a portion of the
schemes assets in equity and equity related instruments Sundaram Debt Oriented Hybrid Fund is a Hybrid - Hybrid Debt fund was launched on 8 Mar 10. It is a fund with Moderately High risk and has given a Below is the key information for Sundaram Debt Oriented Hybrid Fund Returns up to 1 year are on 1. UTI Dynamic Bond Fund
CAGR/Annualized return of 7.9% since its launch. Ranked 3 in Dynamic Bond category. Return for 2021 was 10.8% , 2020 was 5.9% and 2019 was -3.9% . UTI Dynamic Bond Fund
Growth Launch Date 16 Jun 10 NAV (24 Jun 22) ₹25.0694 ↓ 0.00 (0.00 %) Net Assets (Cr) ₹354 on 31 May 22 Category Debt - Dynamic Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 0.18 Sharpe Ratio 1.27 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 4.26% Effective Maturity 2 Years 3 Months 4 Days Modified Duration 9 Months 25 Days Growth of 10,000 investment over the years.
Date Value 31 May 17 ₹10,000 31 May 18 ₹10,291 31 May 19 ₹10,494 31 May 20 ₹10,500 31 May 21 ₹10,893 31 May 22 ₹12,912 Returns for UTI Dynamic Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Jun 22 Duration Returns 1 Month 3 Month 7.6% 6 Month 7.2% 1 Year 18.2% 3 Year 8.9% 5 Year 4.8% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 2021 10.8% 2020 5.9% 2019 -3.9% 2018 5.2% 2017 4.2% 2016 14.9% 2015 6.9% 2014 14.7% 2013 7.6% 2012 11.2% Fund Manager information for UTI Dynamic Bond Fund
Name Since Tenure Sudhir Agarwal 1 Dec 21 0.5 Yr. Data below for UTI Dynamic Bond Fund as on 31 May 22
Asset Allocation
Asset Class Value Cash 34.22% Debt 65.78% Debt Sector Allocation
Sector Value Government 58.14% Cash Equivalent 27.75% Corporate 14.11% Credit Quality
Rating Value AA 11.38% AAA 71.79% Below B 16.82% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 Dtb 27102022
Sovereign Bonds | -26% ₹98 Cr 1,000,000,000 5.63% Govt Stock 2026
Sovereign Bonds | -13% ₹48 Cr 500,000,000
↑ 500,000,000 5.53% Govt Stock 2033
Sovereign Bonds | -11% ₹40 Cr 400,000,000 182 Dtb 15092022
Sovereign Bonds | -5% ₹20 Cr 200,000,000 Piramal Capital & Housing Finance Limited
Debentures | -3% ₹10 Cr 123,219 Punjab National Bank
Debentures | -3% ₹10 Cr 100 Can Fin Homes Limited
Debentures | -3% ₹10 Cr 100 Tata Capital Limited
Debentures | -1% ₹5 Cr 50 L&T Metro Rail (Hyderabad) Limited
Debentures | -1% ₹3 Cr 36 Net Current Assets
Net Current Assets | -27% ₹101 Cr 2. L&T Emerging Businesses Fund
CAGR/Annualized return of 18.7% since its launch. Ranked 2 in Small Cap category. Return for 2021 was 77.4% , 2020 was 15.5% and 2019 was -8.1% . L&T Emerging Businesses Fund
Growth Launch Date 12 May 14 NAV (24 Jun 22) ₹40.293 ↑ 0.77 (1.94 %) Net Assets (Cr) ₹7,580 on 31 May 22 Category Equity - Small Cap AMC L&T Investment Management Ltd Rating ☆☆☆☆☆ Risk High Expense Ratio 1.95 Sharpe Ratio 0.97 Information Ratio 0 Alpha Ratio 0 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 May 17 ₹10,000 31 May 18 ₹11,707 31 May 19 ₹10,465 31 May 20 ₹7,089 31 May 21 ₹15,082 31 May 22 ₹18,224 Returns for L&T Emerging Businesses Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Jun 22 Duration Returns 1 Month -3% 3 Month -9.8% 6 Month -10.5% 1 Year 10.2% 3 Year 20.1% 5 Year 11.4% 10 Year 15 Year Since launch 18.7% Historical performance (Yearly) on absolute basis
Year Returns 2021 77.4% 2020 15.5% 2019 -8.1% 2018 -13.7% 2017 66.5% 2016 10.2% 2015 12.3% 2014 2013 2012 Fund Manager information for L&T Emerging Businesses Fund
Name Since Tenure Venugopal Manghat 17 Dec 19 2.46 Yr. Vihang Naik 17 Dec 19 2.46 Yr. Sonal Gupta 5 Jul 21 0.91 Yr. Data below for L&T Emerging Businesses Fund as on 31 May 22
Equity Sector Allocation
Sector Value Industrials 31.03% Consumer Cyclical 20.29% Basic Materials 17.08% Technology 9.42% Consumer Defensive 7.37% Real Estate 6.45% Health Care 3.07% Financial Services 2.8% Energy 0.39% Asset Allocation
Asset Class Value Cash 2.08% Equity 97.92% Top Securities Holdings / Portfolio
Name Holding Value Quantity K.P.R. Mill Ltd (Consumer Cyclical)
Equity, Since 28 Feb 15 | KPRMILL7% ₹528 Cr 8,382,009
↓ -510,625 Grindwell Norton Ltd (Industrials)
Equity, Since 30 Sep 17 | GRINDWELL4% ₹289 Cr 1,684,948 Balrampur Chini Mills Ltd (Consumer Defensive)
Equity, Since 31 Jul 19 | BALRAMCHIN3% ₹257 Cr 5,801,745
↓ -562,985 E I D Parry India Ltd (Consumer Defensive)
Equity, Since 31 Jan 20 | EIDPARRY3% ₹209 Cr 3,933,689
↑ 1,889 RHI Magnesita India Ltd (Industrials)
Equity, Since 31 Aug 18 | RHIM3% ₹208 Cr 3,425,917 Brigade Enterprises Ltd (Real Estate)
Equity, Since 31 Jul 19 | BRIGADE2% ₹196 Cr 4,311,022 Sonata Software Ltd (Technology)
Equity, Since 31 Jul 18 | SONATSOFTW2% ₹176 Cr 2,338,967 Birlasoft Ltd (Technology)
Equity, Since 31 Aug 20 | BSOFT2% ₹173 Cr 4,170,543 Carborundum Universal Ltd (Industrials)
Equity, Since 31 Jul 16 | CARBORUNIV2% ₹166 Cr 2,159,700
↓ -50,000 Supreme Petrochem Ltd (Basic Materials)
Equity, Since 30 Sep 16 | 5004052% ₹155 Cr 1,694,075 3. UTI Banking & PSU Debt Fund
CAGR/Annualized return of 7% since its launch. Ranked 3 in Banking & PSU Debt category. Return for 2021 was 2.8% , 2020 was 8.9% and 2019 was -1% . UTI Banking & PSU Debt Fund
Growth Launch Date 3 Feb 14 NAV (24 Jun 22) ₹17.6507 ↓ 0.00 (-0.01 %) Net Assets (Cr) ₹269 on 31 May 22 Category Debt - Banking & PSU Debt AMC UTI Asset Management Company Ltd Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 0.32 Sharpe Ratio 0.83 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 5.19% Effective Maturity 1 Year 7 Months 20 Days Modified Duration 1 Year 4 Months 10 Days Growth of 10,000 investment over the years.
Date Value 31 May 17 ₹10,000 31 May 18 ₹10,554 31 May 19 ₹10,546 31 May 20 ₹11,462 31 May 21 ₹12,046 31 May 22 ₹13,039 Returns for UTI Banking & PSU Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Jun 22 Duration Returns 1 Month 0.2% 3 Month 5.7% 6 Month 6.6% 1 Year 8.4% 3 Year 7.1% 5 Year 5.3% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2021 2.8% 2020 8.9% 2019 -1% 2018 6.8% 2017 6.4% 2016 11.7% 2015 8.6% 2014 2013 2012 Fund Manager information for UTI Banking & PSU Debt Fund
Name Since Tenure Anurag Mittal 1 Dec 21 0.5 Yr. Data below for UTI Banking & PSU Debt Fund as on 31 May 22
Asset Allocation
Asset Class Value Cash 16.91% Debt 83.09% Debt Sector Allocation
Sector Value Government 42.13% Corporate 40.96% Cash Equivalent 16.91% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Limited
Debentures | -9% ₹25 Cr 250 Export Import Bank Of India
Debentures | -9% ₹25 Cr 250 Power Finance Corporation Ltd.
Debentures | -9% ₹24 Cr 250
↑ 250 Rec Limited
Debentures | -9% ₹24 Cr 250
↑ 250 Axis Bank Limited
Debentures | -7% ₹20 Cr 200 Power Grid Corporation Of India Limited
Debentures | -5% ₹15 Cr 500
↑ 500 Oil And Natural Gas Corporation Limited
Debentures | -5% ₹15 Cr 150 National Bank For Agriculture And Rural Development
Debentures | -5% ₹14 Cr 150 Housing And Urban Development Corporation Limited
Debentures | -5% ₹13 Cr 125 Hindustan Petroleum Corporation Limited
Debentures | -4% ₹10 Cr 100 4. Sundaram Rural and Consumption Fund
CAGR/Annualized return of 11% since its launch. Ranked 2 in Sectoral category. Return for 2021 was 19.3% , 2020 was 13.5% and 2019 was 2.7% . Sundaram Rural and Consumption Fund
Growth Launch Date 12 May 06 NAV (24 Jun 22) ₹53.9888 ↑ 0.87 (1.63 %) Net Assets (Cr) ₹1,119 on 31 May 22 Category Equity - Sectoral AMC Sundaram Asset Management Company Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.24 Sharpe Ratio 0.51 Information Ratio -0.47 Alpha Ratio -0.87 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.
Date Value 31 May 17 ₹10,000 31 May 18 ₹10,989 31 May 19 ₹10,651 31 May 20 ₹8,964 31 May 21 ₹13,108 31 May 22 ₹14,153 Returns for Sundaram Rural and Consumption Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Jun 22 Duration Returns 1 Month 0.5% 3 Month -2.1% 6 Month -3.5% 1 Year 0.9% 3 Year 10.1% 5 Year 6.5% 10 Year 15 Year Since launch 11% Historical performance (Yearly) on absolute basis
Year Returns 2021 19.3% 2020 13.5% 2019 2.7% 2018 -7.8% 2017 38.7% 2016 21.1% 2015 6.3% 2014 47.4% 2013 -0.6% 2012 34.1% Fund Manager information for Sundaram Rural and Consumption Fund
Name Since Tenure Ratish Varier 1 Jan 22 0.41 Yr. Ashish Aggarwal 1 Jan 22 0.41 Yr. Data below for Sundaram Rural and Consumption Fund as on 31 May 22
Equity Sector Allocation
Sector Value Consumer Defensive 36.05% Consumer Cyclical 31.89% Financial Services 15.77% Basic Materials 6.59% Industrials 3.57% Communication Services 1.38% Real Estate 1.11% Technology 0.16% Asset Allocation
Asset Class Value Cash 3.48% Equity 96.52% Top Securities Holdings / Portfolio
Name Holding Value Quantity Hindustan Unilever Ltd (Consumer Defensive)
Equity, Since 30 Apr 16 | HINDUNILVR7% ₹82 Cr 366,606 Titan Co Ltd (Consumer Cyclical)
Equity, Since 29 Feb 20 | TITAN7% ₹75 Cr 306,141 Varun Beverages Ltd (Consumer Defensive)
Equity, Since 31 Oct 16 | VBL6% ₹72 Cr 665,418
↓ -9,500 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Jul 12 | MARUTI6% ₹68 Cr 87,655
↓ -5,394 Tata Consumer Products Ltd (Consumer Defensive)
Equity, Since 28 Feb 17 | TATACONSUM6% ₹66 Cr 799,477 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Jun 19 | ICICIBANK6% ₹64 Cr 856,113
↓ -50,000 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Jun 19 | HDFCBANK5% ₹62 Cr 446,466
↑ 71,422 Page Industries Ltd (Consumer Cyclical)
Equity, Since 28 Feb 21 | PAGEIND5% ₹56 Cr 12,350 Asian Paints Ltd (Basic Materials)
Equity, Since 31 Jul 10 | ASIANPAINT5% ₹52 Cr 161,556
↓ -24,872 Crompton Greaves Consumer Electricals Ltd (Consumer Cyclical)
Equity, Since 30 Jun 18 | CROMPTON4% ₹51 Cr 1,320,000 5. L&T India Value Fund
CAGR/Annualized return of 13.8% since its launch. Ranked 4 in Value category. Return for 2021 was 40.3% , 2020 was 14.6% and 2019 was 4.6% . L&T India Value Fund
Growth Launch Date 8 Jan 10 NAV (24 Jun 22) ₹50.196 ↑ 0.43 (0.87 %) Net Assets (Cr) ₹7,297 on 31 May 22 Category Equity - Value AMC L&T Investment Management Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.88 Sharpe Ratio 0.41 Information Ratio -0.25 Alpha Ratio 0.26 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 May 17 ₹10,000 31 May 18 ₹10,757 31 May 19 ₹10,862 31 May 20 ₹8,350 31 May 21 ₹14,582 31 May 22 ₹15,837 Returns for L&T India Value Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Jun 22 Duration Returns 1 Month -4.4% 3 Month -11.8% 6 Month -11.4% 1 Year -0.1% 3 Year 12% 5 Year 8.1% 10 Year 15 Year Since launch 13.8% Historical performance (Yearly) on absolute basis
Year Returns 2021 40.3% 2020 14.6% 2019 4.6% 2018 -11.4% 2017 41.3% 2016 8.1% 2015 12.9% 2014 74.1% 2013 6.6% 2012 39.8% Fund Manager information for L&T India Value Fund
Name Since Tenure Venugopal Manghat 24 Nov 12 9.52 Yr. Vihang Naik 17 Dec 19 2.46 Yr. Sonal Gupta 5 Jul 21 0.91 Yr. Data below for L&T India Value Fund as on 31 May 22
Equity Sector Allocation
Sector Value Financial Services 24.8% Basic Materials 19.12% Technology 9.64% Consumer Cyclical 8.47% Industrials 8.09% Health Care 6.66% Energy 6.49% Consumer Defensive 4.58% Utility 4.07% Communication Services 3.34% Real Estate 3.22% Asset Allocation
Asset Class Value Cash 1.52% Equity 98.48% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 30 Apr 11 | ICICIBANK9% ₹690 Cr 9,285,800 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 15 | RELIANCE5% ₹363 Cr 1,300,900 Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Mar 17 | SUNPHARMA5% ₹359 Cr 3,864,500 State Bank of India (Financial Services)
Equity, Since 30 Nov 20 | SBIN4% ₹330 Cr 6,651,900 Infosys Ltd (Technology)
Equity, Since 31 Dec 10 | INFY4% ₹300 Cr 1,910,700
↓ -573,900 Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 16 | LT3% ₹207 Cr 1,222,200 K.P.R. Mill Ltd (Consumer Cyclical)
Equity, Since 31 Mar 15 | KPRMILL2% ₹184 Cr 2,912,594
↓ -356,581 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | HDFCBANK2% ₹176 Cr 1,271,400
↓ -424,300 ITC Ltd (Consumer Defensive)
Equity, Since 31 Aug 15 | ITC2% ₹163 Cr 6,281,500
↑ 1,070,600 HCL Technologies Ltd (Technology)
Equity, Since 31 Aug 16 | HCLTECH2% ₹163 Cr 1,509,000
↓ -250,300 6. BNP Paribas Multi Cap Fund
CAGR/Annualized return of 12.9% since its launch. Ranked 18 in Multi Cap category. . 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.
Date Value 31 May 17 ₹10,000 31 May 18 ₹10,896 31 May 19 ₹11,420 31 May 20 ₹9,468 31 May 21 ₹15,343 Returns for BNP Paribas Multi Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Jun 22 Duration Returns 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
Year Returns 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 Fund Manager information for BNP Paribas Multi Cap Fund
Name Since Tenure Data below for BNP Paribas Multi Cap Fund as on 31 Jan 22
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 7. UTI Bond Fund
CAGR/Annualized return of 7.6% since its launch. Ranked 11 in Medium to Long term category. Return for 2021 was 9.4% , 2020 was 1.1% and 2019 was -5.8% . UTI Bond Fund
Growth Launch Date 4 May 98 NAV (24 Jun 22) ₹58.828 ↓ -0.04 (-0.07 %) Net Assets (Cr) ₹296 on 31 May 22 Category Debt - Medium to Long term AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0 Sharpe Ratio 1.17 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 5.98% Effective Maturity 7 Years 6 Months 7 Days Modified Duration 4 Years 1 Month 17 Days Growth of 10,000 investment over the years.
Date Value 31 May 17 ₹10,000 31 May 18 ₹10,217 31 May 19 ₹10,347 31 May 20 ₹9,675 31 May 21 ₹10,062 31 May 22 ₹11,652 Returns for UTI Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Jun 22 Duration Returns 1 Month -0.3% 3 Month 6.5% 6 Month 6.1% 1 Year 15.4% 3 Year 5.9% 5 Year 2.7% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2021 9.4% 2020 1.1% 2019 -5.8% 2018 4% 2017 3.6% 2016 13.9% 2015 6.3% 2014 15.6% 2013 4% 2012 10.5% Fund Manager information for UTI Bond Fund
Name Since Tenure Amandeep Chopra 31 Jan 12 10.34 Yr. Data below for UTI Bond Fund as on 31 May 22
Asset Allocation
Asset Class Value Cash 8.78% Debt 91.22% Debt Sector Allocation
Sector Value Government 87.12% Cash Equivalent 8.78% Corporate 4.1% Credit Quality
Rating Value AA 9.71% AAA 80.78% Below B 9.51% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.54% Govt Stock 2032
Sovereign Bonds | -19% ₹57 Cr 600,000,000
↑ 200,000,000 6.1% Govt Stock 2031
Sovereign Bonds | -15% ₹46 Cr 500,000,000 5.53% Govt Stock 2033
Sovereign Bonds | -15% ₹45 Cr 450,000,000 5.22% Govt Stock 2025
Sovereign Bonds | -11% ₹33 Cr 350,000,000 182 Dtb 10112022
Sovereign Bonds | -8% ₹24 Cr 250,000,000
↑ 250,000,000 Punjab National Bank
Debentures | -5% ₹15 Cr 150 Food Corporation Of India
Debentures | -5% ₹14 Cr 150 6.67% Govt Stock 2035
Sovereign Bonds | -5% ₹14 Cr 150,000,000 Piramal Capital & Housing Finance Limited
Debentures | -3% ₹10 Cr 123,219 182 Dtb 29092022
Sovereign Bonds | -3% ₹10 Cr 100,000,000 8. UTI Treasury Advantage Fund
CAGR/Annualized return of 7.2% since its launch. Ranked 15 in Low Duration category. Return for 2021 was 9% , 2020 was 7.3% and 2019 was -4.2% . UTI Treasury Advantage Fund
Growth Launch Date 23 Apr 07 NAV (24 Jun 22) ₹2,870.96 ↑ 0.50 (0.02 %) Net Assets (Cr) ₹3,010 on 31 May 22 Category Debt - Low Duration AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.44 Sharpe Ratio 1.07 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 4.83% Effective Maturity 6 Months 11 Days Modified Duration 6 Months 29 Days Growth of 10,000 investment over the years.
Date Value 31 May 17 ₹10,000 31 May 18 ₹10,641 31 May 19 ₹11,455 31 May 20 ₹11,042 31 May 21 ₹11,618 31 May 22 ₹12,624 Returns for UTI Treasury Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Jun 22 Duration Returns 1 Month 0.4% 3 Month 0.6% 6 Month 1.6% 1 Year 8.6% 3 Year 7.3% 5 Year 4.7% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2021 9% 2020 7.3% 2019 -4.2% 2018 7.3% 2017 7% 2016 8.9% 2015 8.8% 2014 9.3% 2013 9.6% 2012 9.7% Fund Manager information for UTI Treasury Advantage Fund
Name Since Tenure Anurag Mittal 1 Dec 21 0.5 Yr. Data below for UTI Treasury Advantage Fund as on 31 May 22
Asset Allocation
Asset Class Value Cash 52.76% Debt 47.24% Debt Sector Allocation
Sector Value Cash Equivalent 35.49% Government 34.16% Corporate 30.35% Credit Quality
Rating Value AA 8.77% AAA 91.23% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 Dtb 29092022
Sovereign Bonds | -11% ₹344 Cr 3,500,000,000 182 Dtb 08092022
Sovereign Bonds | -8% ₹246 Cr 2,500,000,000 Axis Finance Limited
Debentures | -4% ₹114 Cr 1,150 07.02 MH Sdl 2022
Sovereign Bonds | -3% ₹101 Cr 1,000,000,000 182 Dtb 18082022
Sovereign Bonds | -3% ₹99 Cr 1,000,000,000
↑ 1,000,000,000 182 Dtb 22092022
Sovereign Bonds | -3% ₹98 Cr 1,000,000,000 Mahindra Rural Housing Finance Limited
Debentures | -2% ₹78 Cr 800 Rec Limited
Debentures | -2% ₹76 Cr 750 8.15% Govt Stock 2022
Sovereign Bonds | -2% ₹75 Cr 750,000,000 Tata Capital Limited
Debentures | -2% ₹59 Cr 600 9. UTI Short Term Income Fund
CAGR/Annualized return of 6.6% since its launch. Ranked 10 in Short term Bond category. Return for 2021 was 8.4% , 2020 was 10.5% and 2019 was -3.9% . UTI Short Term Income Fund
Growth Launch Date 19 Sep 07 NAV (24 Jun 22) ₹25.5325 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹2,425 on 31 May 22 Category Debt - Short term Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.93 Sharpe Ratio 0.89 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 5.62% Effective Maturity 2 Years 2 Months 26 Days Modified Duration 1 Year 3 Months 18 Days Growth of 10,000 investment over the years.
Date Value 31 May 17 ₹10,000 31 May 18 ₹10,493 31 May 19 ₹11,263 31 May 20 ₹11,024 31 May 21 ₹11,753 31 May 22 ₹12,665 Returns for UTI Short Term Income Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Jun 22 Duration Returns 1 Month 0.1% 3 Month -0.1% 6 Month 0.7% 1 Year 7.4% 3 Year 8.2% 5 Year 4.7% 10 Year 15 Year Since launch 6.6% Historical performance (Yearly) on absolute basis
Year Returns 2021 8.4% 2020 10.5% 2019 -3.9% 2018 6% 2017 6.1% 2016 10.1% 2015 8.3% 2014 10.9% 2013 9% 2012 11.2% Fund Manager information for UTI Short Term Income Fund
Name Since Tenure Sudhir Agarwal 25 Oct 12 9.61 Yr. Data below for UTI Short Term Income Fund as on 31 May 22
Asset Allocation
Asset Class Value Cash 30.77% Debt 69.23% Debt Sector Allocation
Sector Value Corporate 38.18% Government 31.05% Cash Equivalent 30.77% Credit Quality
Rating Value AA 27.67% AAA 72.33% Top Securities Holdings / Portfolio
Name Holding Value Quantity Axis Finance Limited
Debentures | -6% ₹159 Cr 1,600 5.53% Govt Stock 2033
Sovereign Bonds | -4% ₹104 Cr 1,050,000,000 Power Grid Corporation Of India Limited
Debentures | -4% ₹102 Cr 1,000 National Bank For Agriculture And Rural Development
Debentures | -4% ₹99 Cr 1,000 Power Finance Corporation Ltd.
Debentures | -3% ₹75 Cr 750 India Grid TRust
Debentures | -3% ₹75 Cr 750 Mahindra Rural Housing Finance Limited
Debentures | -3% ₹68 Cr 700 Can Fin Homes Limited
Debentures | -3% ₹63 Cr 650 TATA Motors Finance Limited
Debentures | -2% ₹59 Cr 600 7.68% Govt Stock 2023
Sovereign Bonds | -2% ₹51 Cr 500,000,000 10. Sundaram Debt Oriented Hybrid Fund
CAGR/Annualized return of 7% since its launch. Ranked 8 in Hybrid Debt category. Return for 2021 was 14.5% , 2020 was 7.3% and 2019 was 0.9% . Sundaram Debt Oriented Hybrid Fund
Growth Launch Date 8 Mar 10 NAV (24 Jun 22) ₹23.0578 ↑ 0.03 (0.13 %) Net Assets (Cr) ₹31 on 31 May 22 Category Hybrid - Hybrid Debt AMC Sundaram Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately High Expense Ratio 2.19 Sharpe Ratio 0.6 Information Ratio -0.47 Alpha Ratio 6.72 Min Investment 5,000 Min SIP Investment 250 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 May 17 ₹10,000 31 May 18 ₹10,477 31 May 19 ₹10,997 31 May 20 ₹10,437 31 May 21 ₹11,890 31 May 22 ₹12,846 Returns for Sundaram Debt Oriented Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Jun 22 Duration Returns 1 Month -0.3% 3 Month -2.1% 6 Month -2.2% 1 Year 6.7% 3 Year 7.1% 5 Year 4.9% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2021 14.5% 2020 7.3% 2019 0.9% 2018 -1.2% 2017 12.1% 2016 9.9% 2015 8.7% 2014 21.6% 2013 0% 2012 17% Fund Manager information for Sundaram Debt Oriented Hybrid Fund
Name Since Tenure Dwijendra Srivastava 1 Jun 12 10.01 Yr. S. Bharath 16 May 22 0.04 Yr. Sandeep Agarwal 30 Sep 12 9.67 Yr. Ashish Aggarwal 1 Jan 22 0.41 Yr. Data below for Sundaram Debt Oriented Hybrid Fund as on 31 May 22
Asset Allocation
Asset Class Value Cash 41.89% Equity 18.43% Debt 39.68% Equity Sector Allocation
Sector Value Financial Services 6.7% Industrials 2.44% Consumer Defensive 2.05% Health Care 1.81% Technology 1.8% Energy 1.67% Communication Services 0.7% Basic Materials 0.64% Consumer Cyclical 0.43% Utility 0.17% Debt Sector Allocation
Sector Value Cash Equivalent 41.89% Government 36.35% Corporate 3.33% Credit Quality
Rating Value AA 20.95% AAA 79.05% Top Securities Holdings / Portfolio
Name Holding Value Quantity 5.22% Govt Stock 2025
Sovereign Bonds | -15% ₹5 Cr 500,000 6.1% Govt Stock 2031
Sovereign Bonds | -15% ₹5 Cr 500,000 Indian Oil Corporation Limited
Debentures | -6% ₹2 Cr 20 Piramal Capital & Housing Finance Limited
Debentures | -3% ₹1 Cr 12,738 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Aug 18 | ICICIBANK3% ₹1 Cr 12,672 HDFC Bank Ltd (Financial Services)
Equity, Since 28 Feb 19 | HDFCBANK2% ₹1 Cr 4,914 Reliance Industries Ltd (Energy)
Equity, Since 31 Aug 18 | RELIANCE2% ₹1 Cr 2,151 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Sep 19 | LT1% ₹0 Cr 2,941 Procter & Gamble Hygiene and Health Care Ltd (Consumer Defensive)
Equity, Since 28 Feb 21 | PGHH1% ₹0 Cr 260 Axis Bank Ltd (Financial Services)
Equity, Since 28 Feb 19 | 5322151% ₹0 Cr 5,120
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