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Mutual Fund in India

Updated on February 24, 2021 , 34389 views

A Mutual Fund is a collective pool (hence the word mutual) of money given by investors with a common objective for purchasing securities (via the fund). The collective pool is formed by the investors in a Mutual Fund, they are regulated in India by the Securities and Exchange Board of India (SEBI).

Those new to finance, planning and investing often hear the term “Mutual Fund” and ask “what is a Mutual Fund?”, "which are the best Mutual Funds?", "what are the Types of Mutual Funds", "what are the companies?", "How to Invest in Mutual Funds?" etc. Mutual Funds today are becoming more common with investors and have in the recent years become an avenue by which investors can participate in the debt and equity markets.

what-is-a-mutual-fund

We shall try to answer to most of the queries related to Mutual Funds here.

Overview

Mutual Funds are a vehicle that collects money from investors to buy securities. These investors have a common objective, and this pool of money is advised by the fund manager who decides how to invest the money. With good fund management, the Mutual Fund Manager (or Portfolio Manager) generates returns for the investors, which are passed back to investors. Mutual Funds are a regulated industry, there are various rules, guidelines & policies for the mutual fund companies, the fund managers and specifically the funds being managed also. These regulations are formed by the Securities and Exchange Board of India (SEBI) who is the regulator for Mutual Funds.

Mutual Funds Meaning

As the two words, Mutual connotes getting together and Fund connotes money. Hence by definition, a Mutual Fund is a vehicle for investing money for investors with a common objective. In India, Mutual Funds is a regulated industry with a long history.

Mutual Funds Basics

The basics of Mutual Funds entails getting a basic understanding of Mutual Fund's, the advantages of Mutual Funds and dis-advantages of Mutual Funds. One can use various sources to obtain knowledge. In this article, we have tried to cover most aspects of Mutual Fund basics.

Mutual Funds History

Mutual Funds in India came into being in 1963 by an act of parliament.This was done by the government of India with the help of the Reserve Bank of India (RBI). Till 1987, there was no other player in India and it was a monopoly. At that time the industry opened up for the public sector and saw the entry of the another player called SBI Mutual Fund. Other players too came in shortly thereafter.In 1993, the government gave permission the private sector to open up asset management companies. In the next 2 years, 11 more private sector funds came in. 1996 marked another era with SEBI and AMFI coming in.

Mutual Funds India

The Association of Mutual Funds in India was formed to develop the industry and setup minimum standards.

Mutual Funds Sahi Hai

mutual fund sahi hai is the recently launched campaign by AMFI (Association of Mutual Funds in India) to create investor awareness on Mutual Funds. This campaign is across various media such as TV, newspaper, radio and across the web too. The campaign is not only in English but also across various vernaculars languages. The aim of the Mutual Funds Sahi Hai campaign is to educate people on the various aspects of the industry and increase the penetration of Mutual Funds.

Mutual Funds Investment

Mutual funds offer investors a route to save money and earn returns over time. One can invest in a lump sum or a fixed amount monthly, more commonly known as a systematic investment plan (SIP). Using a lump sum or SIPs, they inculcate the habit of savings. Investors can start Mutual Fund investments with amounts as low as INR 5000 and in the case of SIPs as low as INR 500. There are various mutual fund calculators, available which help first-time investors decide what amount to start off with. These mutual fund calculators help investors kick-start investments.

Systematic Investment Plans: SIP In Mutual Funds

Mutual Funds offer a route called the "Systematic Investment Plan" or SIP where investors can choose to put in a fixed amount of money every month in a scheme of a mutual fund. SIPs are a very convenient way for investors to invest since after the first investment, subsequent investments are automated and the investor can sit back and relax. Systematic investment plans ( SIPs) also offer rupee cost averaging and there are many benefits of SIPs.

Mutual Fund Returns

5 Year Returns Across Categories

Category: Equity Avg. 5Y Ret. Category: Balanced Avg. 5Y Ret. Category: Fixed Income Avg. 5Y Ret Category: Money Market Avg. 5Y Ret.
ELSS (Tax Saving) 18.88 Conservative Allocation 10.56 Corporate Credit 9.54 Liquid 8.3
Equity - Other 18.72 Hybrid Allocation 11.15 Dynamic Bond 9.43 Ultrashort Bond 8.64
Flexi Cap 18.89 Moderate Allocation 15. 62 Intermediate Bond 8.93 -
Large Cap 15.33 - Intermediate Government Bond 9.91 -
- - Long Term Government Bond 9.87 -
- - Short Term Bond 8.72 -
- - Short Term Government Bond 8.63

(*Return as of 10th June 2017)

Mutual Funds over the last few decades have been a phenomenal vehicle for generating returns for retail investors. To give an idea of returns over the last years, the above table gives an idea of returns across the various categories of Mutual Funds.

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Types Of Mutual Funds

On 6th October 2017, Securities of Exchange Board of India (SEBI) introduced new and broad categories in Mutual Funds in order to bring uniformity in similar schemes launched by the different Mutual Funds. This is to aim and ensure that investors can find it easier to compare the products and evaluate the different options available before investing in a scheme.

SEBI intends to make Mutual Fund investment easier for the investors. Investors could invest according to their needs, financial goals and risk ability. This mandates Mutual Fund Houses to categorize all their schemes (existing & future scheme) into 5 broad categories and 36 sub-categories. Let’s see the new distinct categories introduced by SEBI in Equity Funds, Debt Funds, Hybrid Funds, Solution Oriented Funds and other schemes

1 Equity Funds

Equity Mutual Funds can be the Large cap funds, mid cap funds, small cap funds, or multi-cap, these are for investors wanting to take exposure to the equity markets. As the name goes, equity funds invest in the equity markets. There are specialist fund managers who specialise in stock selection. They try and select the best stocks for their funds, given the Mutual Fund investment mandate. SEBI has set 1- distinct categories for equity funds.

1.1. Large Cap Equity Fund

Large-cap funds invest in large-cap companies which are big sized companies with large balance sheets, big teams and a clear organisation structure in place. The exposure in large-cap stocks has to be a minimum 80 percent of the scheme’s total assets.

1.2. Mid Cap Fund

Mid-cap funds, on the other hand, invest in smaller-sized companies, these are the emerging stars in their sector and have a potential for growth. Being small in size, these mid-cap companies are very nimble footed and can make changes to product & strategy very quickly. Given this, mid-cap investing brings in a larger risk also. The scheme will invest 65 percent of its total assets in mid-cap stocks.

1.3. Large and Mid Cap Fund

These are the schemes that invest in both large & mid cap stocks. These funds will invest a minimum of 35 percent each in mid and large cap stocks.

SEBI has set a clear classification as to what is a large cap, mid cap and small cap:

Market Capitalization Description
Large cap company 1st to 100th company in terms of full market capitalization
Mid cap company 101st to 250th company in terms of full market capitalization
Small cap company 251st company onwards in terms of full market capitalization

1.4. Multi Cap Equity Fund

In multi-cap funds, the fund manager invests across the board in large-caps and mid-caps without any restriction (the only restriction being the fund mandate). A minimum of 65 percent of its total assets should be allocated to equities.

1.5. Equity Linked Savings Scheme

Equity Linked Savings Schemes (ELSS) is a tax saving fund that comes with a lock-in period of three years. A minimum of 80 percent of its total assets has to be invested in equities.

1.6. Dividend Yield Fund

This fund will predominantly invest in dividend yielding stocks. This scheme will invest a minimum 65 percent of its total assets in equities, but in dividend yielding stocks.

1.7. Value Fund

This is an equity fund that will follow the value investment strategy.

1.8. Contra Fund

This equity scheme will follow the contrarian investment strategy. Value/Contra will invest at least 65 percent of its total assets in equities, but a Mutual Fund house can either offer a value fund or a contra fund, but not both.

1.9. Focused Fund

This fund will focus on large, mid, small or multi-cap stocks, but can have a maximum of 30 stocks. focused fund can invest at least 65 percent of its total assets in equities.

1.10. Sector/Thematic Fund

These are the funds that invest in a particular sector or a theme. At least 80 percent of the total assets of these schemes will be invested in a particular sector or theme.

2 Debt Funds

Then there are debt funds, which invest in debt instruments. There are various kinds of debt funds that exist in the Indian markets. These funds invest in various debt & money market instruments such as government securities (G-Secs), commercial papers (CPs), certificate of deposits (CDs) and other instruments. As per SEBI’s new categorization, Debt fund schemes will have 16 categories. Here’s the list:

2.1. Overnight Fund

This debt scheme will invest in overnight securities having a maturity of one day.

2.2. Liquid Fund

These are very "liquid" as the name goes. These are the funds that in most cases would try to generate returns for investors even he/she invests for one day! As per regulations, Liquid Funds invest in debt/money market securities with a maturity of less than 91 days. These are apt for investors looking to park their money for a couple of days. These funds typically don't have any exit load.

2.3. Ultra Short Duration Fund

On the risk scale, these funds have a risk that is slightly above that of liquid funds. Ultra short term funds invest in debt securities with a slightly higher maturity than liquid funds. These types of Mutual funds can give a minor loss in a day if there is a very sharp upward movement in interest rates. However, these are great for investors looking to invest money between three months to six months. Most ultra short term funds don't have any exit load, even if they do, it is for a week to a fortnight at best.

2.4. Low Duration Fund

Low duration debt securities come with a slightly higher maturity than ultra short funds. The scheme will invest in debt and money market securities with a Macaulay duration between six to 12 months.

2.5. Money Market Fund

This scheme will invest in money market instruments such as CDs, CPs, T-Bills having a maturity up to one year.

2.6. Short Term Fund

Short term Mutual Funds are great for investors looking to invest for a year or more. These also invest in debt securities and do take a little bit of interest rate risk. If interest rates move downwards then there will be capital appreciation on the portfolio along with the return earned due to interest. These funds invest in debt and money market instruments with a Macaulay duration of one to three years.

2.7. Medium Duration Fund

This scheme will invest in debt and money market instruments with a Macaulay duration of three to four years.

2.8. Medium to Long Duration Fund

This scheme will invest in debt and money market instruments with a Macaulay duration of four to seven years.

2.9. Long Duration Fund

This scheme will invest in debt and money market instruments with a Macaulay duration greater than seven years.

2.10. Dynamic Bond Fund

A dynamic bond fund is a mutual fund scheme that invests its funds in fixed income securities consisting of varying maturity periods, which means that they invest across all the duration. Here, the fund manager decides on which funds they need to invest based on their perception of the interest rate scenario and future interest rate movements. Based on this decision, they invest in funds across various maturity periods of debt instruments. This mutual fund scheme is suitable for individuals who feel puzzled about the interest rate scenario. Such individuals can rely on the view of the fund managers to earn money through dynamic bonds funds.

2.11. Corporate Bond Fund

Corporate bond funds are essentially a certificate of debt issued by major companies. These are issued as a way of raising money for businesses. Corporate bond funds are a great option when it comes to good return and low-risk type investment. This debt scheme mainly invests in the highest rated corporate bonds. The fund can invest a minimum 80 percent of its total assets in the highest-rated corporate bonds.

2.12. Credit Risk Fund

This scheme will invest in below the high-rated corporate bonds. The credit risk fund should invest at least 65 percent of its assets below the highest-rated instruments.

2.13. Banking and PUS Fund

This scheme predominantly invests in debt instruments of Banks, Public Financial Institutional, Public Sector Undertakings.

2.14. Gilt Fund

This funds invest in government securities. The maturity of the funds various as per the mandate of the fund. And so does the risk in the fund. Gilt funds are usually used as an avenue to invest by seasoned investors who know what they are doing and are clear on interest rate movements. The higher the duration or maturity of the gilt fund, higher the risk. This funds will invest a minimum 80 percent of its total assets in government securities.

2.15. Gilt Fund with 10-year Constant Duration

This scheme will invest in government securities with a maturity of 10 years. Gilt Funds with 10-year Constant Duration will invest a minimum 80 percent in government securities.

2.16. Floater Fund

This debt scheme mainly invests in floating rate instruments. Floater Fund will invest a minimum of 65 percent of its total assets in floating rate instruments.

3. Hybrid Funds

For the investors in the middle who want to be on the fence, there are balanced funds or hybrid funds. According to the new SEBI’s regulation, there will be six categories of Hybrid Funds:

3.1. Conservative Hybrid Fund

Hybrid Funds are also commonly known as Balanced Fund. Hybrid funds are a type of Mutual Funds that invest in both equity and debt mutual fund. In other words, this fund acts as a combination of both debt and equity. The conservative hybrid funds will majorly invested in debt instruments. About 75 to 90 percent of their total assets will be invest in debt instruments and about 10 to 25 percent in equity-related instruments. Hybrid funds are a great option for the investors who fear of investing in equity funds. This fund will reduce the risk portion and also help in gaining optimal returns over the time.

3.2. Balanced Hybrid Fund

This fund will invest around 40-60 percent of its total assets in both debt and equity instruments.

3.3. Aggressive Hybrid Fund

This fund will invest around 65 to 85 percent of its total assets in equity-related instruments and about 20 to 35 percent of their assets in debt instruments. Mutual fund houses can offer either a balanced hybrid or an aggressive hybrid fund, not both.

3.4. Dynamic Asset Allocation or Balanced Advantage Fund

This scheme would dynamically manage their investments in equity and debt instruments.

3.5. Multi Asset Allocation

This scheme can invest in three asset classes, which means that they can invest in an extra asset class apart from equity and debt. The fund should invest at least 10 percent in each of the asset classes. Foreign securities will not be treated as a separate asset class.

3.6. Arbitrage Fund

An arbitrage fund is a popular short-term financial investment in India. Arbitrage funds are Mutual Funds that leverage the differential price between the cash market and derivative market to generate mutual fund returns. The returns generated by arbitrage funds are dependent on the volatility of the stock market. Arbitrage mutual funds are hybrid in nature and in times of high or persistent volatility, these funds offer relatively risk-free returns to investors. This fund invest at least 65 percent of its assets in equity-related instruments.

3.7. Equity Savings

This scheme will invest in equity, arbitrage and debt. Equity savings will invest at least 65 percent of the total assets in stocks and a minimum 10 percent in debt. The scheme would state the minimum hedged and unhedged investments in the scheme information document.

4. Solution Oriented Schemes

4.1. Retirement Fund

This is a retirement solution oriented scheme that will have a lock-in of five years or till the age of retirement.

4.2. Children’s Fund

This is children oriented scheme having a lock-on for five years or until the child attains the age of majority, whichever is earlier.

5. Other Schemes

5.1. Index Fund/ETF

Index Funds refer to the Mutual Fund schemes whose portfolio is constructed using a market index as a base. In other words, the performance of an index fund is dependent on the performance of a particular index. These schemes are passively managed. These funds contain shares in the similar proportion as they are in a particular index. In India, many of the schemes use Nifty or Sensex as the base to construct their portfolio. For example, if the Nifty portfolio constitutes of SBI shares whose proportion is 12% then; the Nifty Index fund will also have 12% equity shares. This fund can invest at least 95 percent of its total asset in securities of a particular index.

5.2. FoFs (Overseas Domestic)

Fund of funds is an option for those whose investment amounts are not too large and it is easier to manage one fund (a fund of funds) rather than a number of Mutual Funds. In this form of mutual fund investment strategy, investors get to hold a number of funds under the umbrella of a single fund, hence the name funds of funds. Often going by the name of multi-manager investment; it is considered as one of the mutual fund categories. One of the key advantages of multi-manager investments is that at a lower ticket size, the investor can diversify themselves across a gamut of mutual fund schemes. This fund can invest a minimum of 95 percent of its total assets in the underlying fund.

Some of the other Mutual Funds to consider:

5.3. International Funds

International Funds invest in international securities or into master funds that are domiciled out of India. Most of these funds invest in equity as an asset class. These can be of various types such as emerging market funds, developed markets funds, commodity-related international funds etc. The DSP Blackrock World Gold Fund is an example of a fund that invests in a master fund based out of India. This fund invests predominantly in gold and other precious metals. Today, there are many international Mutual Funds available in India to the investor.

5.4. Gold Funds

Gold funds are a new class of funds. These invest in gold ETFs. While gold ETFs are available to the retail investor, anyone wanting to buy an ETF has to do it through the stock exchange, which requires one to have a broking account. In a Mutual Fund, there is no such requirement, an investor can simply fill an application form and get the units allotted after making the payment.

Best Mutual Funds

Investors are always searching for the top mutual funds or best mutual funds to invest in. How to select the best mutual fund is another exercise in itself. One needs to look are various things like the goal for investing, fund house, mutual fund rating and over this follow a disciplined approach. Only then can one try and select the best mutual fund.

Top 10 Mutual Funds: Equity

The top 10 equity mutual funds to invest are always something investors try to seek. From the entire list of the funds available in a category getting to the Top 10 Mutual Funds involves doing many activities to filter the list and get the top & Best Performing Mutual Funds. The top 10 equity mutual funds to invest in are:

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2020 (%)
DSP BlackRock Natural Resources and New Energy Fund Growth ₹42.838
↑ 1.04
₹40828.939.748.35.721.611.5
SBI Small Cap Fund Growth ₹78.3156
↓ -0.52
₹6,59419.83238.79.62233.6
IDFC Tax Advantage (ELSS) Fund Growth ₹74.27
↓ -1.65
₹2,67823.535.334.98.317.918.7
IDFC Infrastructure Fund Growth ₹18.02
↓ -0.29
₹5063442.134.3-114.36.3
Aditya Birla Sun Life Small Cap Fund Growth ₹41.8
↓ -0.44
₹2,31024.33833.4-0.214.319.8
DSP BlackRock US Flexible Equity Fund Growth ₹36.1262
↑ 0.46
₹3206.414.531.217.116.922.6
L&T Emerging Businesses Fund Growth ₹29.25
↓ -0.28
₹5,34920.832.529.21.918.215.5
Franklin Build India Fund Growth ₹50.6262
↓ -1.77
₹8972641.627.26.715.85.4
Principal Emerging Bluechip Fund Growth ₹142.1
↓ -3.46
₹2,32816.228.226.99.420.122.3
DSP BlackRock Equity Opportunities Fund Growth ₹291.48
↓ -7.07
₹5,37316.827.724.49.91814.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 25 Feb 21

Top 10 Mutual Funds: Debt

The top 10 debt mutual funds to invest are always something investors try to seek. From the entire list of the funds available in a category getting to the top 10 mutual funds involves doing many activities to filter the list and get the top & best performing Mutual Funds. The top 10 debt mutual funds to invest in are:

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2020 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Aditya Birla Sun Life Corporate Bond Fund Growth ₹85.1296
↓ -0.05
₹26,658-0.32.89.1911.95.19%2Y 3M 29D2Y 10M 20D
ICICI Prudential Long Term Plan Growth ₹27.749
↓ -0.02
₹5,47203.88.49.211.86.02%2Y 6M3Y 7M 17D
HDFC Corporate Bond Fund Growth ₹24.6973
↓ -0.02
₹30,847-0.42.78.3911.85.35%2Y 10M 9D4Y 4M 9D
HDFC Banking and PSU Debt Fund Growth ₹17.7255
↓ -0.01
₹10,735-0.22.77.58.510.65.45%2Y 7M 7D3Y 6M 26D
Aditya Birla Sun Life Savings Fund Growth ₹420.686
↑ 0.06
₹16,1180.72.26.27.574.15%5M 12D6M
Aditya Birla Sun Life Money Manager Fund Growth ₹283.759
↑ 0.02
₹10,1890.826.17.36.63.95%3M 25D3M 25D
JM Liquid Fund Growth ₹55.7075
↑ 0.00
₹1,7900.81.53.65.843.46%10D
Aditya Birla Sun Life Short Term Opportunities Fund Growth ₹36.3022
↓ -0.01
₹8,371-0.13.69.48.411.15.31%2Y 1M 6D2Y 6M 25D
HDFC Credit Risk Debt Fund Growth ₹18.0728
↓ -0.01
₹6,8481.15.48.88.410.98.05%1Y 11M 27D2Y 5M 28D
Aditya Birla Sun Life Medium Term Plan Growth ₹23.9262
↓ 0.00
₹1,8562.16.48.43.38.17.22%3Y 4M 20D4Y 6M 22D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 26 Feb 21
*Below is the detailed list of top mutual funds based on last one year CAGR/Annualized returns & having AUM between 200 - 10,000 Crores across categories (Equity, Debt, Hybrid, Gold etc.)

1. ICICI Prudential Technology Fund

To generate long-term capital appreciation for you from a portfolio made up predominantly of equity and equity-related securities of technology intensive companies.

ICICI Prudential Technology Fund is a Equity - Sectoral fund was launched on 3 Mar 00. It is a fund with High risk and has given a CAGR/Annualized return of 11.7% since its launch.  Ranked 37 in Sectoral category.  Return for 2020 was 70.6% , 2019 was 2.3% and 2018 was 19.1% .

Below is the key information for ICICI Prudential Technology Fund

ICICI Prudential Technology Fund
Growth
Launch Date 3 Mar 00
NAV (26 Feb 21) ₹102.12 ↓ -1.91   (-1.84 %)
Net Assets (Cr) ₹1,412 on 31 Jan 21
Category Equity - Sectoral
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.6
Sharpe Ratio 1.46
Information Ratio -0.43
Alpha Ratio 1.48
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.

DateValue
31 Jan 16₹10,000
31 Jan 17₹9,128
31 Jan 18₹12,466
31 Jan 19₹14,578
31 Jan 20₹14,750
31 Jan 21₹24,079

ICICI Prudential Technology 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 ICICI Prudential Technology Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Feb 21

DurationReturns
1 Month 0.4%
3 Month 17.2%
6 Month 38.8%
1 Year 67.9%
3 Year 25.5%
5 Year 21.6%
10 Year
15 Year
Since launch 11.7%
Historical performance (Yearly) on absolute basis
YearReturns
2020 70.6%
2019 2.3%
2018 19.1%
2017 19.8%
2016 -4%
2015 3.9%
2014 26.3%
2013 62.6%
2012 17.1%
2011 -18.9%
Fund Manager information for ICICI Prudential Technology Fund
NameSinceTenure
Sankaran Naren14 Jul 173.55 Yr.
Priyanka Khandelwal8 Jul 200.57 Yr.
Vaibhav Dusad2 May 200.75 Yr.

Data below for ICICI Prudential Technology Fund as on 31 Jan 21

Equity Sector Allocation
SectorValue
Technology70.39%
Communication Services13.8%
Industrials9.05%
Consumer Cyclical0.96%
Consumer Defensive0.41%
Health Care0.35%
Asset Allocation
Asset ClassValue
Cash5.04%
Equity94.96%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Infosys Ltd (Technology)
Equity, Since 30 Apr 08 | INFY
19%₹267 Cr2,156,037
↑ 190,000
HCL Technologies Ltd Shs Dematerialised (Technology)
Equity, Since 30 Sep 20 | HCLTECH
9%₹120 Cr1,315,744
↑ 276,000
Tech Mahindra Ltd (Technology)
Equity, Since 31 Oct 16 | 532755
7%₹102 Cr1,057,674
↑ 308,169
Persistent Systems Ltd (Technology)
Equity, Since 31 May 20 | PERSISTENT
5%₹74 Cr483,133
↑ 165,286
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 20 | BHARTIARTL
4%₹63 Cr1,141,840
↑ 205,000
Birlasoft Ltd (Technology)
Equity, Since 30 Jun 20 | 532400
3%₹48 Cr1,909,182
↑ 712,129
Cyient Ltd (Industrials)
Equity, Since 30 Jun 18 | CYIENT
3%₹45 Cr742,213
↑ 84,839
Coforge Ltd Shs Dematerialised (Technology)
Equity, Since 31 Jul 20 | 532541
3%₹45 Cr186,593
↑ 67,690
IndiaMART InterMESH Ltd (Communication Services)
Equity, Since 30 Jun 20 | 542726
3%₹44 Cr56,911
↓ -9,893
Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Sep 19 | TCS
3%₹37 Cr120,185

2. PGIM India Global Agribusiness Offshore Fund

The primary investment objective of the scheme is to generate long-term capital growth by investing predominantly in units of overseas mutual funds, focusing on agriculture and/or would be direct and indirect beneficiaries of the anticipated growth in the agriculture and/or affiliated/allied sectors.

PGIM India Global Agribusiness Offshore Fund is a Others - Fund of Fund fund was launched on 14 May 10. It is a fund with High risk and has given a CAGR/Annualized return of 12.5% since its launch.  Ranked 33 in Fund of Fund category.  Return for 2020 was 72.4% , 2019 was 30.9% and 2018 was 0.3% .

Below is the key information for PGIM India Global Agribusiness Offshore Fund

PGIM India Global Agribusiness Offshore Fund
Growth
Launch Date 14 May 10
NAV (25 Feb 21) ₹35.48 ↓ -0.20   (-0.56 %)
Net Assets (Cr) ₹769 on 31 Jan 21
Category Others - Fund of Fund
AMC Pramerica Asset Managers Private Limited
Rating
Risk High
Expense Ratio 0.96
Sharpe Ratio 2.35
Information Ratio 1.78
Alpha Ratio 35.84
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jan 16₹10,000
31 Jan 17₹11,448
31 Jan 18₹12,760
31 Jan 19₹13,960
31 Jan 20₹17,072
31 Jan 21₹28,192

PGIM India Global Agribusiness Offshore Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691
Invest Now

Returns for PGIM India Global Agribusiness Offshore Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Feb 21

DurationReturns
1 Month -2.8%
3 Month 9.8%
6 Month 17.6%
1 Year 63.8%
3 Year 31%
5 Year 22.2%
10 Year
15 Year
Since launch 12.5%
Historical performance (Yearly) on absolute basis
YearReturns
2020 72.4%
2019 30.9%
2018 0.3%
2017 11.9%
2016 0.8%
2015 -14.7%
2014 0.9%
2013 13.4%
2012 19.9%
2011 1.4%
Fund Manager information for PGIM India Global Agribusiness Offshore Fund
NameSinceTenure
Alok Agarwal27 Jul 173.52 Yr.

Data below for PGIM India Global Agribusiness Offshore Fund as on 31 Jan 21

Asset Allocation
Asset ClassValue
Cash4.23%
Equity95.77%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
PGIM Jennison Global Eq Opps USD I Acc
Investment Fund | -
97%₹748 Cr363,190
↑ 46,340
Net Receivables / (Payables)
Net Current Assets | -
2%₹17 Cr
Treps / Reverse Repo
CBLO/Reverse Repo | -
1%₹4 Cr

3. Aditya Birla Sun Life Digital India Fund

(Erstwhile Aditya Birla Sun Life New Millennium Fund)

A multi-sector open-ended growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of 100% equity, focusing on investing in technology and technology dependent companies, hardware, peripherals and components, software, telecom, media, internet and e-commerce and other technology enabled companies. The secondary objective is income generation and distribution of dividend.

Aditya Birla Sun Life Digital India Fund is a Equity - Sectoral fund was launched on 15 Jan 00. It is a fund with High risk and has given a CAGR/Annualized return of 11% since its launch.  Ranked 33 in Sectoral category.  Return for 2020 was 59% , 2019 was 9.6% and 2018 was 15.6% .

Below is the key information for Aditya Birla Sun Life Digital India Fund

Aditya Birla Sun Life Digital India Fund
Growth
Launch Date 15 Jan 00
NAV (26 Feb 21) ₹91.01 ↓ -2.13   (-2.29 %)
Net Assets (Cr) ₹941 on 31 Jan 21
Category Equity - Sectoral
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk High
Expense Ratio 2.6
Sharpe Ratio 1.35
Information Ratio 0.27
Alpha Ratio 1.8
Min Investment 1,000
Min SIP Investment 1,000
Exit Load 0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jan 16₹10,000
31 Jan 17₹9,373
31 Jan 18₹13,318
31 Jan 19₹14,494
31 Jan 20₹16,130
31 Jan 21₹24,673

Aditya Birla Sun Life Digital India Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623
Invest Now

Returns for Aditya Birla Sun Life Digital India Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Feb 21

DurationReturns
1 Month 0%
3 Month 16.9%
6 Month 34.4%
1 Year 57.2%
3 Year 24.3%
5 Year 23.2%
10 Year
15 Year
Since launch 11%
Historical performance (Yearly) on absolute basis
YearReturns
2020 59%
2019 9.6%
2018 15.6%
2017 22.4%
2016 -3.5%
2015 11.2%
2014 21.1%
2013 50.2%
2012 3.7%
2011 -21.8%
Fund Manager information for Aditya Birla Sun Life Digital India Fund
NameSinceTenure
Kunal Sangoi15 Jan 147.05 Yr.

Data below for Aditya Birla Sun Life Digital India Fund as on 31 Jan 21

Equity Sector Allocation
SectorValue
Technology72.51%
Communication Services14.16%
Industrials9.9%
Asset Allocation
Asset ClassValue
Cash3.43%
Equity96.56%
Other0.01%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Infosys Ltd (Technology)
Equity, Since 30 Apr 05 | INFY
22%₹211 Cr1,704,259
↓ -20,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Apr 05 | TCS
11%₹102 Cr326,987
↑ 4,911
Tech Mahindra Ltd (Technology)
Equity, Since 31 May 13 | 532755
8%₹78 Cr813,943
↑ 170,951
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Aug 19 | BHARTIARTL
7%₹69 Cr1,246,907
↑ 100,000
HCL Technologies Ltd Shs Dematerialised (Technology)
Equity, Since 31 Dec 10 | HCLTECH
7%₹65 Cr709,931
Cyient Ltd (Industrials)
Equity, Since 31 May 14 | CYIENT
5%₹47 Cr769,609
Just Dial Ltd (Communication Services)
Equity, Since 30 Sep 19 | 535648
4%₹36 Cr603,953
Honeywell Automation India Ltd (Industrials)
Equity, Since 30 Jun 18 | 517174
3%₹32 Cr8,159
Apple Inc (Technology)
Equity, Since 30 Nov 18 | AAPL
3%₹24 Cr24,481
Persistent Systems Ltd (Technology)
Equity, Since 31 Jul 13 | PERSISTENT
3%₹24 Cr156,326

4. Franklin India Technology Fund

To provide long-term capital appreciation by predominantly investing in equity and equity related securities of technology and technology related companies.

Franklin India Technology Fund is a Equity - Sectoral fund was launched on 22 Aug 98. It is a fund with High risk and has given a CAGR/Annualized return of 19.5% since its launch.  Ranked 41 in Sectoral category.  Return for 2020 was 56.8% , 2019 was 12.4% and 2018 was 11.9% .

Below is the key information for Franklin India Technology Fund

Franklin India Technology Fund
Growth
Launch Date 22 Aug 98
NAV (25 Feb 21) ₹273.464 ↓ -0.39   (-0.14 %)
Net Assets (Cr) ₹495 on 31 Jan 21
Category Equity - Sectoral
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk High
Expense Ratio 2.46
Sharpe Ratio 1.47
Information Ratio 0.37
Alpha Ratio 4.67
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
31 Jan 16₹10,000
31 Jan 17₹9,634
31 Jan 18₹12,605
31 Jan 19₹13,884
31 Jan 20₹15,200
31 Jan 21₹23,265

Franklin India Technology Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644
Invest Now

Returns for Franklin India Technology Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Feb 21

DurationReturns
1 Month -1.5%
3 Month 15.4%
6 Month 34.2%
1 Year 56%
3 Year 24.1%
5 Year 20.7%
10 Year
15 Year
Since launch 19.5%
Historical performance (Yearly) on absolute basis
YearReturns
2020 56.8%
2019 12.4%
2018 11.9%
2017 19.1%
2016 -2.6%
2015 3.8%
2014 16.8%
2013 53.3%
2012 0.3%
2011 -15.5%
Fund Manager information for Franklin India Technology Fund
NameSinceTenure
Anand Radhakrishnan3 Mar 0713.93 Yr.
Varun Sharma30 Nov 155.18 Yr.
Mayank Bukrediwala24 Aug 200.44 Yr.

Data below for Franklin India Technology Fund as on 31 Jan 21

Equity Sector Allocation
SectorValue
Technology66.98%
Communication Services16.13%
Consumer Cyclical4.9%
Industrials2.48%
Financial Services0.67%
Real Estate0.19%
Health Care0.12%
Consumer Defensive0.04%
Asset Allocation
Asset ClassValue
Cash8.26%
Equity91.55%
Other0.19%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Infosys Ltd (Technology)
Equity, Since 29 Feb 12 | INFY
24%₹117 Cr945,647
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Aug 04 | TCS
11%₹52 Cr167,936
↓ -2,064
HCL Technologies Ltd Shs Dematerialised (Technology)
Equity, Since 30 Jun 14 | HCLTECH
9%₹43 Cr470,000
↑ 20,000
Franklin Technology I Acc USD
Investment Fund | -
8%₹38 Cr91,868
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 18 | BHARTIARTL
7%₹33 Cr600,000
Tech Mahindra Ltd Ordinary Shares (Technology)
Equity, Since 28 Feb 14 | 532755
4%₹22 Cr230,000
↑ 10,000
Info Edge (India) Ltd (Communication Services)
Equity, Since 31 Jan 17 | NAUKRI
4%₹20 Cr46,300
Taiwan Semiconductor Manufacturing Co Ltd (Technology)
Equity, Since 30 Nov 18 | 2330
3%₹14 Cr88,000
MakeMyTrip Ltd (Consumer Cyclical)
Equity, Since 31 Mar 20 | MMYT
3%₹13 Cr60,135
Larsen & Toubro Infotech Ltd (Technology)
Equity, Since 30 Apr 19 | 540005
2%₹12 Cr31,000

5. PGIM India Midcap Opportunities Fund

The primary objective of the Scheme is to achieve long-term capital appreciation by predominantly investing in equity & equity related instruments of mid cap companies. However, there is no assurance that the investment objective of the Scheme will be realized.

PGIM India Midcap Opportunities Fund is a Equity - Mid Cap fund was launched on 2 Dec 13. It is a fund with High risk and has given a CAGR/Annualized return of 16.8% since its launch.  Ranked 40 in Mid Cap category.  Return for 2020 was 48.4% , 2019 was 3.6% and 2018 was -16.1% .

Below is the key information for PGIM India Midcap Opportunities Fund

PGIM India Midcap Opportunities Fund
Growth
Launch Date 2 Dec 13
NAV (26 Feb 21) ₹30.82 ↓ -0.38   (-1.22 %)
Net Assets (Cr) ₹713 on 31 Jan 21
Category Equity - Mid Cap
AMC Pramerica Asset Managers Private Limited
Rating
Risk High
Expense Ratio 2.52
Sharpe Ratio 1.03
Information Ratio 1.24
Alpha Ratio 19.95
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jan 16₹10,000
31 Jan 17₹11,319
31 Jan 18₹14,067
31 Jan 19₹11,846
31 Jan 20₹13,560
31 Jan 21₹19,188

PGIM India Midcap Opportunities Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656
Invest Now

Returns for PGIM India Midcap Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Feb 21

DurationReturns
1 Month 9.5%
3 Month 23.5%
6 Month 39.5%
1 Year 54.9%
3 Year 15.7%
5 Year 18.9%
10 Year
15 Year
Since launch 16.8%
Historical performance (Yearly) on absolute basis
YearReturns
2020 48.4%
2019 3.6%
2018 -16.1%
2017 37%
2016 -1.3%
2015 7.9%
2014 42.8%
2013
2012
2011
Fund Manager information for PGIM India Midcap Opportunities Fund
NameSinceTenure
Aniruddha Naha5 Apr 182.83 Yr.

Data below for PGIM India Midcap Opportunities Fund as on 31 Jan 21

Equity Sector Allocation
SectorValue
Industrials20.59%
Basic Materials18.97%
Financial Services17.4%
Technology14.81%
Consumer Cyclical9.77%
Health Care7.6%
Consumer Defensive2.53%
Utility2.33%
Real Estate1.78%
Communication Services0.33%
Asset Allocation
Asset ClassValue
Cash3.9%
Equity96.1%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Voltas Ltd Shs Dematerialised (Industrials)
Equity, Since 31 Jul 19 | VOLTAS
4%₹25 Cr275,000
↑ 50,000
Whirlpool of India Ltd (Technology)
Equity, Since 31 Jul 18 | 500238
3%₹24 Cr95,000
↑ 15,000
Coforge Ltd Shs Dematerialised (Technology)
Equity, Since 30 Jun 20 | 532541
3%₹24 Cr100,000
Max Financial Services Ltd (Financial Services)
Equity, Since 31 Aug 19 | 500271
3%₹24 Cr350,000
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 21 | HDFCBANK
3%₹24 Cr170,000
↑ 170,000
The Federal Bank Ltd (Financial Services)
Equity, Since 30 Jun 20 | FEDERALBNK
3%₹23 Cr3,116,434
↑ 150,000
Ashok Leyland Ltd (Consumer Cyclical)
Equity, Since 30 Apr 20 | 500477
3%₹22 Cr2,000,000
↑ 500,000
Persistent Systems Ltd (Technology)
Equity, Since 31 Oct 20 | PERSISTENT
3%₹21 Cr140,000
↑ 40,000
Kajaria Ceramics Ltd (Industrials)
Equity, Since 31 Jan 20 | 500233
3%₹21 Cr250,000
↑ 50,000
Bharat Forge Ltd Shs Dematerialised (Consumer Cyclical)
Equity, Since 31 Dec 20 | 500493
3%₹20 Cr340,000
↑ 140,000

6. UTI Healthcare Fund

(Erstwhile UTI Pharma & Healthcare Fund)

The Investment objective of the Scheme is capital appreciation through investments in equities and equity related instruments of the Pharma & Healthcare sectors.

UTI Healthcare Fund is a Equity - Sectoral fund was launched on 28 Jun 99. It is a fund with High risk and has given a CAGR/Annualized return of 14.2% since its launch.  Ranked 40 in Sectoral category.  Return for 2020 was 67.4% , 2019 was 1.2% and 2018 was -7.5% .

Below is the key information for UTI Healthcare Fund

UTI Healthcare Fund
Growth
Launch Date 28 Jun 99
NAV (26 Feb 21) ₹134.903 ↓ -1.65   (-1.21 %)
Net Assets (Cr) ₹617 on 31 Jan 21
Category Equity - Sectoral
AMC UTI Asset Management Company Ltd
Rating
Risk High
Expense Ratio 2.59
Sharpe Ratio 1.47
Information Ratio 0.38
Alpha Ratio 6.61
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
31 Jan 16₹10,000
31 Jan 17₹9,225
31 Jan 18₹9,651
31 Jan 19₹9,061
31 Jan 20₹9,481
31 Jan 21₹14,654

UTI Healthcare Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859
Invest Now

Returns for UTI Healthcare Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Feb 21

DurationReturns
1 Month -4.6%
3 Month 2.3%
6 Month 8.1%
1 Year 52.6%
3 Year 15.3%
5 Year 9.2%
10 Year
15 Year
Since launch 14.2%
Historical performance (Yearly) on absolute basis
YearReturns
2020 67.4%
2019 1.2%
2018 -7.5%
2017 6.2%
2016 -9.7%
2015 12.4%
2014 43.7%
2013 23.3%
2012 24.8%
2011 -9.6%
Fund Manager information for UTI Healthcare Fund
NameSinceTenure
V Srivatsa3 Mar 173.92 Yr.

Data below for UTI Healthcare Fund as on 31 Jan 21

Equity Sector Allocation
SectorValue
Health Care96.01%
Basic Materials2.21%
Asset Allocation
Asset ClassValue
Cash1.78%
Equity98.22%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Oct 06 | SUNPHARMA
10%₹64 Cr1,094,387
↓ -38,171
Cipla Ltd (Healthcare)
Equity, Since 31 Jan 03 | 500087
10%₹60 Cr730,312
↑ 76,085
Aurobindo Pharma Ltd (Healthcare)
Equity, Since 31 Oct 13 | AUROPHARMA
9%₹57 Cr624,369
Dr Reddy's Laboratories Ltd (Healthcare)
Equity, Since 28 Feb 18 | 500124
8%₹50 Cr108,375
↓ -2,407
Divi's Laboratories Ltd (Healthcare)
Equity, Since 30 Sep 17 | DIVISLAB
6%₹37 Cr108,683
↓ -2,866
Eris Lifesciences Ltd Registered Shs (Healthcare)
Equity, Since 31 Mar 19 | 540596
6%₹35 Cr578,554
Cadila Healthcare Ltd (Healthcare)
Equity, Since 31 Jan 03 | 532321
5%₹29 Cr636,049
↓ -30,996
Narayana Hrudayalaya Ltd (Healthcare)
Equity, Since 31 Jan 20 | NH
4%₹26 Cr580,716
Ajanta Pharma Ltd (Healthcare)
Equity, Since 31 Jul 17 | 532331
4%₹24 Cr137,818
Fortis Healthcare Ltd (Healthcare)
Equity, Since 31 Dec 20 | 532843
3%₹21 Cr1,281,363
↑ 101,312

7. TATA Digital India Fund

The investment objective of the scheme is to seek long term capital appreciation by investing atleast 80% of its net assets in equity/equity related instruments of the companies in Information Technology Sector in India.However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved.The Scheme does not assure or guarantee any returns.

TATA Digital India Fund is a Equity - Sectoral fund was launched on 28 Dec 15. It is a fund with High risk and has given a CAGR/Annualized return of 18.5% since its launch.  Return for 2020 was 54.8% , 2019 was 7.5% and 2018 was 24.9% .

Below is the key information for TATA Digital India Fund

TATA Digital India Fund
Growth
Launch Date 28 Dec 15
NAV (26 Feb 21) ₹24.0682 ↓ -0.34   (-1.40 %)
Net Assets (Cr) ₹921 on 31 Jan 21
Category Equity - Sectoral
AMC Tata Asset Management Limited
Rating Not Rated
Risk High
Expense Ratio 2.05
Sharpe Ratio 1.33
Information Ratio -0.68
Alpha Ratio -3.9
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-3 Months (0.25%),3 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jan 16₹10,000
31 Jan 17₹8,708
31 Jan 18₹12,261
31 Jan 19₹14,638
31 Jan 20₹15,245
31 Jan 21₹23,254

TATA Digital India Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520
Invest Now

Returns for TATA Digital India Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Feb 21

DurationReturns
1 Month -1.9%
3 Month 17%
6 Month 37.3%
1 Year 52.3%
3 Year 24.7%
5 Year 19.9%
10 Year
15 Year
Since launch 18.5%
Historical performance (Yearly) on absolute basis
YearReturns
2020 54.8%
2019 7.5%
2018 24.9%
2017 19.6%
2016 -6%
2015
2014
2013
2012
2011
Fund Manager information for TATA Digital India Fund
NameSinceTenure
Rahul Singh20 Apr 200.78 Yr.
Meeta Shetty20 Apr 200.78 Yr.

Data below for TATA Digital India Fund as on 31 Jan 21

Equity Sector Allocation
SectorValue
Technology87.68%
Industrials2.36%
Communication Services1.71%
Asset Allocation
Asset ClassValue
Cash8.25%
Equity91.75%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Infosys Ltd (Technology)
Equity, Since 31 Jan 16 | INFY
26%₹235 Cr1,900,000
↑ 70,000
HCL Technologies Ltd Shs Dematerialised (Technology)
Equity, Since 31 Jan 16 | HCLTECH
10%₹90 Cr984,000
↑ 190,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Jan 16 | TCS
10%₹88 Cr282,126
↓ -31,874
Persistent Systems Ltd (Technology)
Equity, Since 31 Jan 16 | PERSISTENT
9%₹79 Cr520,363
↑ 50,000
Wipro Ltd (Technology)
Equity, Since 31 Jul 18 | 507685
7%₹67 Cr1,596,000
↑ 420,000
Tech Mahindra Ltd (Technology)
Equity, Since 30 Apr 16 | 532755
6%₹59 Cr610,000
↑ 85,000
MindTree Ltd (Technology)
Equity, Since 31 Jul 19 | 532819
4%₹40 Cr245,000
Birlasoft Ltd (Technology)
Equity, Since 31 Jul 20 | 532400
4%₹38 Cr1,505,000
↑ 265,000
Tata Elxsi Ltd (Technology)
Equity, Since 31 May 20 | 500408
4%₹33 Cr124,000
KPIT Technologies Ltd (Technology)
Equity, Since 31 Jan 19 | 542651
3%₹24 Cr1,665,000

8. Nippon India Pharma Fund

The primary investment objective of the scheme is to seek to generate consistent returns by investing in equity and equity related or fixed income securities of Pharma and other associated companies.

Nippon India Pharma Fund is a Equity - Sectoral fund was launched on 5 Jun 04. It is a fund with High risk and has given a CAGR/Annualized return of 21% since its launch.  Ranked 35 in Sectoral category.  Return for 2020 was 66.4% , 2019 was 1.7% and 2018 was 3.6% .

Below is the key information for Nippon India Pharma Fund

Nippon India Pharma Fund
Growth
Launch Date 5 Jun 04
NAV (26 Feb 21) ₹242.472 ↓ -2.98   (-1.21 %)
Net Assets (Cr) ₹4,197 on 31 Jan 21
Category Equity - Sectoral
AMC Nippon Life Asset Management Ltd.
Rating
Risk High
Expense Ratio 2.13
Sharpe Ratio 1.51
Information Ratio 1.16
Alpha Ratio 8.15
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.

DateValue
31 Jan 16₹10,000
31 Jan 17₹9,298
31 Jan 18₹10,161
31 Jan 19₹10,739
31 Jan 20₹11,056
31 Jan 21₹17,252

Nippon India Pharma 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 Nippon India Pharma Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Feb 21

DurationReturns
1 Month -5.1%
3 Month 3.1%
6 Month 9.7%
1 Year 51.8%
3 Year 19.8%
5 Year 13.1%
10 Year
15 Year
Since launch 21%
Historical performance (Yearly) on absolute basis
YearReturns
2020 66.4%
2019 1.7%
2018 3.6%
2017 7.6%
2016 -10.6%
2015 19.4%
2014 49.5%
2013 20.9%
2012 34.8%
2011 -11%
Fund Manager information for Nippon India Pharma Fund
NameSinceTenure
Sailesh Raj Bhan1 Apr 0515.85 Yr.

Data below for Nippon India Pharma Fund as on 31 Jan 21

Equity Sector Allocation
SectorValue
Health Care96.71%
Asset Allocation
Asset ClassValue
Cash3.29%
Equity96.71%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Oct 09 | SUNPHARMA
11%₹469 Cr8,000,976
Aurobindo Pharma Ltd (Healthcare)
Equity, Since 31 Dec 15 | AUROPHARMA
11%₹453 Cr5,000,000
Cipla Ltd (Healthcare)
Equity, Since 31 May 08 | 500087
10%₹413 Cr5,000,000
Lupin Ltd (Healthcare)
Equity, Since 31 Aug 08 | 500257
9%₹383 Cr3,800,025
↓ -200,000
Dr Reddy's Laboratories Ltd (Healthcare)
Equity, Since 30 Jun 11 | 500124
9%₹368 Cr800,000
↑ 50,000
Divi's Laboratories Ltd (Healthcare)
Equity, Since 31 Mar 12 | DIVISLAB
8%₹337 Cr1,000,000
↓ -50,000
Fortis Healthcare Ltd (Healthcare)
Equity, Since 31 Aug 18 | 532843
6%₹258 Cr16,000,240
↓ -3,301
Cadila Healthcare Ltd (Healthcare)
Equity, Since 31 Jan 18 | 532321
6%₹248 Cr5,500,000
↓ -498,982
Thyrocare Technologies Ltd (Healthcare)
Equity, Since 31 May 16 | THYROCARE
4%₹184 Cr2,041,561
Narayana Hrudayalaya Ltd (Healthcare)
Equity, Since 30 Jun 17 | NH
4%₹156 Cr3,500,881
↓ -500,000

9. SBI Healthcare Opportunities Fund

(Erstwhile SBI Pharma Fund)

To provide the investors maximum growth opportunity through equity investments in stocks of growth oriented sectors of the economy.

SBI Healthcare Opportunities Fund is a Equity - Sectoral fund was launched on 31 Dec 04. It is a fund with High risk and has given a CAGR/Annualized return of 14.3% since its launch.  Ranked 34 in Sectoral category.  Return for 2020 was 65.8% , 2019 was -0.5% and 2018 was -9.9% .

Below is the key information for SBI Healthcare Opportunities Fund

SBI Healthcare Opportunities Fund
Growth
Launch Date 31 Dec 04
NAV (26 Feb 21) ₹191.971 ↓ -2.65   (-1.36 %)
Net Assets (Cr) ₹1,551 on 31 Jan 21
Category Equity - Sectoral
AMC SBI Funds Management Private Limited
Rating
Risk High
Expense Ratio 2.37
Sharpe Ratio 1.58
Information Ratio 0.24
Alpha Ratio 9.69
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-15 Days (0.5%),15 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jan 16₹10,000
31 Jan 17₹9,025
31 Jan 18₹8,891
31 Jan 19₹8,279
31 Jan 20₹8,599
31 Jan 21₹13,358

SBI Healthcare Opportunities Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹376,357.
Net Profit of ₹76,357
Invest Now

Returns for SBI Healthcare Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Feb 21

DurationReturns
1 Month -4.3%
3 Month 4.7%
6 Month 11.8%
1 Year 48.5%
3 Year 15.4%
5 Year 8.1%
10 Year
15 Year
Since launch 14.3%
Historical performance (Yearly) on absolute basis
YearReturns
2020 65.8%
2019 -0.5%
2018 -9.9%
2017 2.1%
2016 -14%
2015 27.1%
2014 56.8%
2013 26%
2012 37.1%
2011 -5.5%
Fund Manager information for SBI Healthcare Opportunities Fund
NameSinceTenure
Tanmaya Desai1 Jun 119.68 Yr.

Data below for SBI Healthcare Opportunities Fund as on 31 Jan 21

Equity Sector Allocation
SectorValue
Health Care97.78%
Asset Allocation
Asset ClassValue
Cash1.87%
Equity98.13%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Dec 17 | SUNPHARMA
11%₹164 Cr2,800,000
↑ 100,000
Lupin Ltd (Healthcare)
Equity, Since 31 Jul 18 | 500257
10%₹151 Cr1,500,000
Cipla Ltd (Healthcare)
Equity, Since 31 Aug 16 | 500087
10%₹149 Cr1,800,000
↑ 80,000
Aurobindo Pharma Ltd (Healthcare)
Equity, Since 30 Apr 20 | AUROPHARMA
9%₹145 Cr1,600,000
↑ 100,000
Dr Reddy's Laboratories Ltd (Healthcare)
Equity, Since 31 Mar 20 | 500124
9%₹138 Cr300,000
Divi's Laboratories Ltd (Healthcare)
Equity, Since 31 Mar 12 | DIVISLAB
8%₹121 Cr360,000
Alkem Laboratories Ltd (Healthcare)
Equity, Since 31 Jul 20 | ALKEM
5%₹75 Cr250,000
↑ 50,000
Narayana Hrudayalaya Ltd (Healthcare)
Equity, Since 31 Dec 19 | NH
5%₹71 Cr1,600,000
Strides Pharma Science Ltd (Healthcare)
Equity, Since 31 Mar 14 | STAR
4%₹61 Cr750,000
Abbott India Ltd (Healthcare)
Equity, Since 31 Mar 19 | 500488
4%₹57 Cr40,000
↑ 5,000

10. DSP BlackRock Natural Resources and New Energy Fund

To seek to generate capital appreciation and provide long term growth opportunities by investing in equity and equity related securities of companies domiciled in India whose predominant economic activity is in the (a) discovery, development, production, or distribution of natural resources, viz., energy, mining etc; (b) alternative energy and energy technology sectors, with emphasis given to renewable energy, automotive and on-site power generation, energy storage and enabling energy technologies. also invest a certain portion of its corpus in the equity and equity related securities of companies domiciled overseas, which are principally engaged in the discovery, development, production or distribution of natural resources and alternative energy and/or the units shares of Merrill Lynch international Investment Funds New Energy Fund, Merrill Lynch International Investment Funds World Energy Fund and similar other overseas mutual fund schemes.

DSP BlackRock Natural Resources and New Energy Fund is a Equity - Sectoral fund was launched on 25 Apr 08. It is a fund with High risk and has given a CAGR/Annualized return of 12% since its launch.  Ranked 2 in Sectoral category.  Return for 2020 was 11.5% , 2019 was 4.4% and 2018 was -15.3% .

Below is the key information for DSP BlackRock Natural Resources and New Energy Fund

DSP BlackRock Natural Resources and New Energy Fund
Growth
Launch Date 25 Apr 08
NAV (25 Feb 21) ₹42.838 ↑ 1.04   (2.50 %)
Net Assets (Cr) ₹408 on 31 Jan 21
Category Equity - Sectoral
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk High
Expense Ratio 2.42
Sharpe Ratio 0.53
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.

DateValue
31 Jan 16₹10,000
31 Jan 17₹16,100
31 Jan 18₹21,079
31 Jan 19₹17,083
31 Jan 20₹17,004
31 Jan 21₹20,260

DSP BlackRock Natural Resources and New Energy 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 DSP BlackRock Natural Resources and New Energy Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Feb 21

DurationReturns
1 Month 15.3%
3 Month 28.9%
6 Month 39.7%
1 Year 48.3%
3 Year 5.7%
5 Year 21.6%
10 Year
15 Year
Since launch 12%
Historical performance (Yearly) on absolute basis
YearReturns
2020 11.5%
2019 4.4%
2018 -15.3%
2017 43.1%
2016 43.1%
2015 -1.7%
2014 46.8%
2013 -5.7%
2012 11.5%
2011 -23.2%
Fund Manager information for DSP BlackRock Natural Resources and New Energy Fund
NameSinceTenure
Rohit Singhania1 Jul 128.59 Yr.
Jay Kothari1 Mar 137.93 Yr.
Aayush Ganeriwala1 Jan 210.08 Yr.

Data below for DSP BlackRock Natural Resources and New Energy Fund as on 31 Jan 21

Equity Sector Allocation
SectorValue
Basic Materials47.01%
Energy29.9%
Utility10.68%
Technology5.6%
Industrials3.99%
Consumer Defensive0.81%
Asset Allocation
Asset ClassValue
Cash1.84%
Equity98.16%
Debt0%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
BGF Sustainable Energy I2
Investment Fund | -
16%₹64 Cr474,952
↑ 15,404
BGF World Energy I2
Investment Fund | -
10%₹41 Cr412,267
↑ 20,768
Tata Steel Ltd (Basic Materials)
Equity, Since 31 Aug 16 | TATASTEEL
9%₹38 Cr637,845
↑ 23,204
Hindustan Zinc Ltd (Basic Materials)
Equity, Since 31 Mar 09 | 500188
9%₹36 Cr1,312,183
↓ -111,459
Hindalco Industries Ltd Shs Dematerialised (Basic Materials)
Equity, Since 31 Oct 15 | HINDALCO
9%₹35 Cr1,567,003
Jindal Steel & Power Ltd (Basic Materials)
Equity, Since 31 Mar 20 | 532286
8%₹33 Cr1,252,661
↑ 224,898
Reliance Industries Ltd Shs Dematerialised (Energy)
Equity, Since 31 Aug 08 | RELIANCE
5%₹21 Cr111,666
↑ 34,412
Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 31 May 20 | 500312
4%₹16 Cr1,865,787
↑ 327,782
Steel Authority Of India Ltd Shs Dematerialised (Basic Materials)
Equity, Since 31 Aug 20 | 500113
4%₹16 Cr2,761,641
↑ 213,184
NMDC Ltd (Basic Materials)
Equity, Since 30 Sep 18 | 526371
4%₹16 Cr1,486,889

Mutual Fund Companies

There are 42 Mutual Fund companies in India (called Asset Management Companies “AMCs”) which provide mutual fund schemes which investors can invest in. These Mutual Fund companies are regulated by SEBI. Some of the noticeable Mutual Fund Companies are:

1. SBI Mutual Fund

SBI Mutual Fund was set up in 1987 by the State Bank of India. Today SBI MF manages INR 1,57,025 crore (Mar-31-2017) of assets. It is one of largest asset management companies in India and offers over 70 funds across categories of equity, debt and balanced.

2. HDFC Mutual Fund

Setup in the year 2000, HDFC asset management company is one of the prominent asset managers looking after some famous names such as HDFC Equity Funds and the HDFC top 200 Fund. Today, it manages INR 2,37,177 crore (Mar-31-2017) of assets. It has schemes across asset classes and boasts of over 63 schemes that it manages. It is backed by the parent of the very large banking institution called Housing Development Finance Corporation (HDFC).

3. Reliance Mutual Fund

Setup in 1995, Reliance Mutual Fund is one of the oldest Mutual Fund companies in India. With explosive growth over the last 2 decades, today it has over 210890 crores (Mar-31-2017) of assets under management. It manages some of the oldest funds in the industry such as Reliance Vision Fund, Reliance Growth Fund, Reliance Banking Fund & Reliance Liquid Fund.

4. UTI Mutual Fund

UTI Mutual Fund is the oldest asset management company in India. Mutual Funds in India started in 1963 with the formation of the Unit Trust of India (UTI), since then UTI has grown over the years. Today, UTI AMC is a very large asset manager with assets of 1,36,810 crore (Mar-31-2017). Some of its prominent funds are UTI equity fund and UTI MNC Fund. It offers fund across asset classes.

5. Franklin Templeton Mutual Fund

Franklin Mutual Fund was set up in 1995. It is also a large fund house with assets of 81,615 crores (Mar-31-2017). Franklin Templeton Mutual Fund is backed by the US parent Templeton International Inc. Franklin Templeton Mutual Fund is a very process driven fund house

6. LIC Mutual Fund

Backed by the Life Insurance Corporation of India (LIC), this mutual fund company started operations in 1994. Today it manages about INR 21,475 crore (Mar-31-2017) of assets.

7. Blackrock Mutual Fund

DSP BlackRock Mutual Fund is a joint venture of DSP Group and BlackRock Inc. Setup in 1996 the fund house manages across asset classes. It manages names such as the DSP Blackrock Microcap Fund & the DSP Blackrock taxsaver Fund.

How To Invest In Mutual Funds

How to invest in Mutual Funds?There are various avenues to invest, one can go directly to funds houses, also one can use the services of a broker or distributor or one can even use a financial advisor. There are many advantages of using the services of a distributor, instead of going to different AMCs, making the process cumbersome one can use a distributor who can help interact and do the purchases & redemptions with all of them and make the process easy for the investor. Today, investors can also make the purchase of mutual funds online and be sitting at home to complete the entire process.

Mutual Fund Investment Plans

One can make various Mutual Fund investment plans given the risk profile of the investor. For those who can take higher risk, there are equity funds and for those with lower risk, there are debt/money market funds. One can do goal planning with various calculators to achieve a goal such as buying a house, car or any other asset. Using a SIP over a period of time one can try and achieve these goals. Also, using asset allocation one can choose the mix of assets given the level of risk one can tolerate.

Mutual Fund NAV

The industry is very transparent; funds are required to publish their prices daily. The price is known as the Net Asset Value (NAV). All mutual funds are required by SEBI to publish their NAV daily. The NAVs are published on websites of most AMCs as well as at the website of AMFI to ensure transparency.

Mutual Fund Calculator

The mutual fund calculator is a very important tool to plan for goals using SIPs and also to see how one can grow using the systematic investment plan. Taking basic inputs such as expected growth rate and inflation it can do all sorts of calculations. Access the calculator here:

Know Your Monthly SIP Amount

   
My Goal Amount:
Goal Tenure:
Years
Expected Annual Returns:
%
Total investment required is ₹56/month for 5 Years
  or   ₹2,381 one time (Lumpsum)
to achieve ₹5,000
Invest Now

Mutual Funds: Index Funds

Today, there are many index funds also available on the mutual fund platform. These are offered by various mutual fund companies. Other than index funds, there are various Exchange Traded Fund (ETFs) also available on the mutual fund platform.Nifty ETFs, Gold ETFs etc to name a few are all available in the fund's form.

Mutual Fund Ratings

Mutual funds ratings today are provided by many players like CRISIL, ICRA, MorningStar etc to name a few. mutual fund ratings usually take in a number of quantitative as well as qualitative factors to arrive at the final rating. The Mutual Fund rating is a good starting point for an investor in selecting the scheme.

Today, mutual funds have become an important route for retail investors, and choosing the best fund is very important for investors. Investors should always do their bit of research in understanding which funds to invest in and choosing the right distributor/advisor to help them on this journey.

Disclaimer:
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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Narendra kumar bansal, posted on 30 Aug 19 4:09 PM

Best mutual fund for 2 to 5 year investment in single schemes

Unknown, posted on 11 Jul 19 4:53 PM

Educative and very Useful information. Thank you.

Bholanath, posted on 30 Nov 18 4:21 PM

Great Read. Informative Page about all types of mutual funds.

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