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Mutual Fund in India

Updated on November 6, 2019 , 13388 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 (%)2018 (%)
Axis Focused 25 Fund Growth ₹30.38
↓ -0.23
₹8,38410.713.71915.813.50.6
Aditya Birla Sun Life Banking And Financial Services Fund Growth ₹30.3
↓ -0.04
₹1,80610.58.418.81215-2.4
ICICI Prudential Banking and Financial Services Fund Growth ₹66.8
↓ -0.27
₹3,2908.45.117.413.114.5-0.4
Tata India Tax Savings Fund Growth ₹18.8651
↓ -0.12
₹1,9198.47.716.41112.5-8.4
Kotak Equity Opportunities Fund Growth ₹124.171
↓ -0.34
₹2,6149714.59.610.3-5.6
Kotak Standard Multicap Fund Growth ₹36.757
↓ -0.10
₹26,9918.86.314.511.511.5-0.9
Mirae Asset India Equity Fund  Growth ₹53.19
↓ -0.31
₹14,9178.46.814.21311.9-0.6
DSP BlackRock Equity Opportunities Fund Growth ₹230.378
↓ -1.21
₹5,48910.38.2149.410.8-9.2
Invesco India Growth Opportunities Fund Growth ₹35.75
↓ -0.22
₹1,8229.78.713.71310.9-0.2
Motilal Oswal Multicap 35 Fund Growth ₹26.7395
↓ -0.28
₹13,2358.35.912.39.413.8-7.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Nov 19

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 (%)2018 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
HDFC Banking and PSU Debt Fund Growth ₹15.971
↓ -0.01
₹3,5722.26.111.47.55.97.79%2Y 1M 8D2Y 8M 4D
HDFC Corporate Bond Fund Growth ₹22.0791
↓ -0.01
₹13,1121.45.811.47.86.57.49%3Y 1M 6D4Y 2M 23D
Aditya Birla Sun Life Corporate Bond Fund Growth ₹75.8986
↓ -0.02
₹16,6051.85.510.67.877.2%1Y 5M 5D1Y 11M 8D
ICICI Prudential Long Term Plan Growth ₹24.4822
↓ -0.02
₹2,8161.35.710.67.56.28.76%3Y 3M 14D5Y 2M 16D
Franklin India Ultra Short Bond Fund - Super Institutional Plan Growth ₹27.6984
↓ 0.00
₹20,13024.69.98.88.79.69%5M 16D6M 18D
Aditya Birla Sun Life Savings Fund Growth ₹388.184
↑ 0.03
₹14,7391.94.49.17.87.66.75%4M 28D5M 12D
Aditya Birla Sun Life Money Manager Fund Growth ₹262.558
↑ 0.04
₹10,2191.74.28.67.67.95.98%4M 20D4M 20D
Franklin India Dynamic Accrual Fund Growth ₹68.8535
↓ 0.00
₹4,0121.23.28.688.411.96%2Y 1M 17D2Y 11M 1D
Franklin India Low Duration Fund Growth ₹22.4731
↑ 0.01
₹5,9351.137.988.411.6%11M 16D1Y 2M 16D
JM Liquid Fund Growth ₹52.9457
↑ 0.01
₹1,0421.43.1777.45.75%1M 1D1M 1D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Nov 19
*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. TATA Banking and Financial Services 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 the Banking and Financial Services sector in India.

TATA Banking and Financial Services 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 20.5% since its launch.  Return for 2018 was -0.1% , 2017 was 45% and 2016 was 17.8% .

Below is the key information for TATA Banking and Financial Services Fund

TATA Banking and Financial Services Fund
Growth
Launch Date 28 Dec 15
NAV (08 Nov 19) ₹20.5306 ↓ -0.01   (-0.07 %)
Net Assets (Cr) ₹351 on 30 Sep 19
Category Equity - Sectoral
AMC Tata Asset Management Limited
Rating Not Rated
Risk High
Expense Ratio 2.5
Sharpe Ratio 1.13
Information Ratio -0.42
Alpha Ratio 1.07
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 Oct 16₹13,182
31 Oct 17₹17,114
31 Oct 18₹15,449
31 Oct 19₹20,098

TATA Banking and Financial Services Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689
Invest Now

Returns for TATA Banking and Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Nov 19

DurationReturns
1 Month 7.3%
3 Month 10.2%
6 Month 12.4%
1 Year 29.7%
3 Year 16.3%
5 Year
10 Year
15 Year
Since launch 20.5%
Historical performance (Yearly) on absolute basis
YearReturns
2018 -0.1%
2017 45%
2016 17.8%
2015
2014
2013
2012
2011
2010
2009
Fund Manager information for TATA Banking and Financial Services Fund
NameSinceTenure
Sonam Udasi1 Apr 162.84 Yr.
Amey Sathe18 Jun 180.62 Yr.

Data below for TATA Banking and Financial Services Fund as on 30 Sep 19

Equity Sector Allocation
SectorValue
Financial Services98.54%
Asset Allocation
Asset ClassValue
Cash2.22%
Equity98.54%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 16 | HDFCBANK
22%₹78 Cr638,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK
15%₹51 Cr1,177,000
↑ 14,000
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jan 16 | KOTAKBANK
11%₹40 Cr242,000
Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 31 Mar 17 | HDFC
9%₹33 Cr166,800
Axis Bank Ltd (Financial Services)
Equity, Since 30 Nov 18 | 532215
9%₹31 Cr450,000
↑ 53,000
Bajaj Finance Ltd (Financial Services)
Equity, Since 30 Sep 16 | 500034
5%₹16 Cr40,500
Muthoot Finance Ltd (Financial Services)
Equity, Since 30 Jun 16 | 533398
3%₹12 Cr180,000
DCB Bank Ltd (Financial Services)
Equity, Since 31 Jan 16 | 532772
3%₹12 Cr595,000
ICICI Prudential Life Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 16 | ICICIPRULI
3%₹12 Cr250,000
HDFC Life Insurance Co Ltd (Financial Services)
Equity, Since 31 Jul 19 | 540777
3%₹11 Cr190,000

2. IIFL Focused Equity Fund

(Erstwhile IIFL India Growth Fund)

The investment objective of the scheme is to generate long term capital appreciation for investors from a portfolio of equity and equity related securities. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved.

IIFL Focused Equity Fund is a Equity - Focused fund was launched on 30 Oct 14. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 11.8% since its launch.  Return for 2018 was -6.8% , 2017 was 30% and 2016 was 9.9% .

Below is the key information for IIFL Focused Equity Fund

IIFL Focused Equity Fund
Growth
Launch Date 30 Oct 14
NAV (08 Nov 19) ₹17.5475 ↓ -0.14   (-0.79 %)
Net Assets (Cr) ₹258 on 30 Sep 19
Category Equity - Focused
AMC IIFL Asset Management Limited
Rating Not Rated
Risk Moderately High
Expense Ratio 2.42
Sharpe Ratio 1.16
Information Ratio -0.01
Alpha Ratio 13.86
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-2 Months (2%),2 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Oct 14₹10,000
31 Oct 15₹10,519
31 Oct 16₹12,741
31 Oct 17₹14,679
31 Oct 18₹13,713
31 Oct 19₹17,241

IIFL Focused Equity Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518
Invest Now

Returns for IIFL Focused Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Nov 19

DurationReturns
1 Month 6.1%
3 Month 9.7%
6 Month 13%
1 Year 26.8%
3 Year 11.7%
5 Year 11.4%
10 Year
15 Year
Since launch 11.8%
Historical performance (Yearly) on absolute basis
YearReturns
2018 -6.8%
2017 30%
2016 9.9%
2015 1.8%
2014
2013
2012
2011
2010
2009
Fund Manager information for IIFL Focused Equity Fund
NameSinceTenure
Prashastha Seth3 Nov 162.24 Yr.

Data below for IIFL Focused Equity Fund as on 30 Sep 19

Equity Sector Allocation
SectorValue
Financial Services46.85%
Technology11.06%
Industrials10.12%
Health Care8.17%
Basic Materials8.14%
Consumer Cyclical6.12%
Communication Services1.11%
Asset Allocation
Asset ClassValue
Cash8.4%
Equity91.6%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | ICICIBANK
9%₹23 Cr532,061
↑ 48,425
HDFC Bank Ltd (Financial Services)
Equity, Since 31 May 17 | HDFCBANK
9%₹23 Cr187,588
↑ 34,502
Tri-Party Repo
CBLO/Reverse Repo | -
8%₹21 Cr
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Dec 18 | LT
7%₹17 Cr116,104
↑ 27,235
Axis Bank Ltd (Financial Services)
Equity, Since 31 Jan 19 | 532215
6%₹16 Cr231,097
↑ 54,252
Procter & Gamble Health Ltd (Healthcare)
Equity, Since 31 Mar 18 | 500126
5%₹14 Cr29,803
↑ 5,223
Bajaj Finance Ltd (Financial Services)
Equity, Since 30 Sep 16 | 500034
5%₹13 Cr32,334
↑ 7,867
Crompton Greaves Consumer Electricals Ltd (Consumer Cyclical)
Equity, Since 31 May 19 | CROMPTON
4%₹11 Cr453,875
↑ 99,966
Muthoot Finance Ltd (Financial Services)
Equity, Since 31 Oct 18 | 533398
4%₹11 Cr158,866
↑ 43,247
CreditAccess Grameen Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Aug 18 | 541770
4%₹10 Cr152,170
↑ 20,826

3. SBI Banking & Financial Services Fund

The investment objective of the scheme is to generate long-term capital appreciation to unit holders from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services. However, there can be no assurance that the investment objective of the Scheme will be realized.

SBI Banking & Financial Services Fund is a Equity - Sectoral fund was launched on 26 Feb 15. It is a fund with High risk and has given a CAGR/Annualized return of 14.9% since its launch.  Return for 2018 was 9.5% , 2017 was 40.7% and 2016 was 17% .

Below is the key information for SBI Banking & Financial Services Fund

SBI Banking & Financial Services Fund
Growth
Launch Date 26 Feb 15
NAV (08 Nov 19) ₹19.1992 ↓ -0.02   (-0.09 %)
Net Assets (Cr) ₹1,128 on 30 Sep 19
Category Equity - Sectoral
AMC SBI Funds Management Private Limited
Rating Not Rated
Risk High
Expense Ratio 3.02
Sharpe Ratio 1.01
Information Ratio -0.4
Alpha Ratio -0.76
Min Investment 5,000
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 Oct 15₹9,313
31 Oct 16₹12,138
31 Oct 17₹14,761
31 Oct 18₹15,064
31 Oct 19₹18,995

SBI Banking & Financial Services Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689
Invest Now

Returns for SBI Banking & Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Nov 19

DurationReturns
1 Month 8.4%
3 Month 10%
6 Month 7.7%
1 Year 25.1%
3 Year 16.6%
5 Year
10 Year
15 Year
Since launch 14.9%
Historical performance (Yearly) on absolute basis
YearReturns
2018 9.5%
2017 40.7%
2016 17%
2015
2014
2013
2012
2011
2010
2009
Fund Manager information for SBI Banking & Financial Services Fund
NameSinceTenure
Milind Agrawal1 Aug 190.17 Yr.

Data below for SBI Banking & Financial Services Fund as on 30 Sep 19

Equity Sector Allocation
SectorValue
Financial Services99.36%
Asset Allocation
Asset ClassValue
Cash0.64%
Equity99.36%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 28 Feb 15 | HDFCBANK
24%₹274 Cr2,233,860
↑ 127,860
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 16 | ICICIBANK
13%₹149 Cr3,445,814
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Mar 15 | KOTAKBANK
9%₹105 Cr636,000
↑ 66,000
Axis Bank Ltd (Financial Services)
Equity, Since 30 Jun 18 | 532215
8%₹95 Cr1,390,000
State Bank of India (Financial Services)
Equity, Since 31 Jul 18 | SBIN
8%₹92 Cr3,385,000
AU Small Finance Bank Ltd (Financial Services)
Equity, Since 31 Jul 17 | 540611
8%₹88 Cr1,331,324
↓ -46,721
ICICI Prudential Life Insurance Co Ltd (Financial Services)
Equity, Since 31 Mar 19 | ICICIPRULI
5%₹56 Cr1,200,000
Cholamandalam Financial Holdings Ltd (Financial Services)
Equity, Since 31 Mar 19 | 504973
4%₹45 Cr925,072
↓ -143,283
Bajaj Finance Ltd (Financial Services)
Equity, Since 30 Sep 17 | 500034
3%₹37 Cr92,000
ICICI Lombard General Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 19 | 540716
3%₹34 Cr285,000
↑ 285,000

4. DSP BlackRock World Gold Fund

"The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized."

DSP BlackRock World Gold Fund is a Equity - Global fund was launched on 14 Sep 07. It is a fund with High risk and has given a CAGR/Annualized return of 2.5% since its launch.  Ranked 11 in Global category.  Return for 2018 was -10.7% , 2017 was -4% and 2016 was 52.7% .

Below is the key information for DSP BlackRock World Gold Fund

DSP BlackRock World Gold Fund
Growth
Launch Date 14 Sep 07
NAV (07 Nov 19) ₹13.4656 ↓ -0.05   (-0.37 %)
Net Assets (Cr) ₹323 on 30 Sep 19
Category Equity - Global
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk High
Expense Ratio 1.83
Sharpe Ratio 1.03
Information Ratio -0.82
Alpha Ratio -6.04
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 Oct 14₹10,000
31 Oct 15₹9,400
31 Oct 16₹14,586
31 Oct 17₹12,825
31 Oct 18₹11,473
31 Oct 19₹14,973

DSP BlackRock World Gold Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹367,070.
Net Profit of ₹67,070
Invest Now

Returns for DSP BlackRock World Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Nov 19

DurationReturns
1 Month -3.6%
3 Month -10.3%
6 Month 27.4%
1 Year 25%
3 Year -0.2%
5 Year 7.2%
10 Year
15 Year
Since launch 2.5%
Historical performance (Yearly) on absolute basis
YearReturns
2018 -10.7%
2017 -4%
2016 52.7%
2015 -18.5%
2014 -3%
2013 -41.5%
2012 -5.8%
2011 -2.6%
2010 29%
2009 41.5%
Fund Manager information for DSP BlackRock World Gold Fund
NameSinceTenure
Jay Kothari1 Mar 136.25 Yr.

Data below for DSP BlackRock World Gold Fund as on 30 Sep 19

Equity Sector Allocation
SectorValue
Basic Materials92.84%
Industrials0.42%
Asset Allocation
Asset ClassValue
Cash4.98%
Equity94.04%
Debt0.03%
Other0.94%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
BGF World Gold I2
Investment Fund | -
97%₹314 Cr1,257,723
↑ 79,968
Treps / Reverse Repo Investments / Corporate Debt Repo
CBLO/Reverse Repo | -
3%₹10 Cr
Net Receivables/Payables
Net Current Assets | -
0%-₹1 Cr

5. Axis Bluechip Fund

(Erstwhile Axis Equity Fund)

To achieve long term capital appreciation by investing in a diversified portfolio predominantly consisting of equity and equity related securities of Large Cap companies including derivatives. However, there can be no assurance that the investment objective of the Scheme will be achieved.

Axis Bluechip Fund is a Equity - Large Cap fund was launched on 5 Jan 10. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 12.4% since its launch.  Ranked 58 in Large Cap category.  Return for 2018 was 6.5% , 2017 was 38% and 2016 was -3.6% .

Below is the key information for Axis Bluechip Fund

Axis Bluechip Fund
Growth
Launch Date 5 Jan 10
NAV (08 Nov 19) ₹31.57 ↓ -0.19   (-0.60 %)
Net Assets (Cr) ₹8,050 on 30 Sep 19
Category Equity - Large Cap
AMC Axis Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 2.11
Sharpe Ratio 1.01
Information Ratio 0.65
Alpha Ratio 10.03
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 Oct 14₹10,000
31 Oct 15₹10,220
31 Oct 16₹10,908
31 Oct 17₹13,153
31 Oct 18₹13,518
31 Oct 19₹16,912

Axis Bluechip Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹395,578.
Net Profit of ₹95,578
Invest Now

Returns for Axis Bluechip Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Nov 19

DurationReturns
1 Month 4.4%
3 Month 8.8%
6 Month 13%
1 Year 23.6%
3 Year 16.6%
5 Year 10.9%
10 Year
15 Year
Since launch 12.4%
Historical performance (Yearly) on absolute basis
YearReturns
2018 6.5%
2017 38%
2016 -3.6%
2015 -1.2%
2014 40.8%
2013 13.5%
2012 31.7%
2011 -22.6%
2010
2009
Fund Manager information for Axis Bluechip Fund
NameSinceTenure
Shreyash Devalkar23 Nov 162.77 Yr.

Data below for Axis Bluechip Fund as on 30 Sep 19

Equity Sector Allocation
SectorValue
Financial Services44.44%
Technology13.45%
Consumer Defensive10.68%
Basic Materials7.76%
Energy6.62%
Consumer Cyclical3.68%
Industrials1.98%
Health Care1.01%
Communication Services0.91%
Asset Allocation
Asset ClassValue
Cash7.24%
Equity92.76%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Clearing Corporation Of India Ltd
CBLO | -
10%₹837 Cr
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 10 | HDFCBANK
9%₹738 Cr6,015,000
↑ 1,035,000
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Aug 11 | KOTAKBANK
9%₹724 Cr4,400,000
Infosys Ltd (Technology)
Equity, Since 31 Dec 17 | INFY
9%₹701 Cr8,700,000
↑ 2,930,000
Bajaj Finance Ltd (Financial Services)
Equity, Since 31 Jul 17 | 500034
8%₹677 Cr1,674,293
↑ 114,293
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | ICICIBANK
8%₹644 Cr14,859,375
↑ 1,859,375
Reliance Industries Ltd (Energy)
Equity, Since 28 Feb 18 | RELIANCE
7%₹533 Cr4,000,000
↑ 1,770,000
Avenue Supermarts Ltd (Consumer Defensive)
Equity, Since 31 Mar 17 | 540376
5%₹435 Cr2,340,224
↑ 160,626
Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 28 Feb 15 | HDFC
4%₹346 Cr1,750,000
↑ 450,000
Asian Paints Ltd (Basic Materials)
Equity, Since 31 Aug 16 | 500820
4%₹332 Cr1,886,000
↑ 186,000

(Erstwhile Canara Robeco F.O.R.C.E Fund)

The objective of the Fund is to provide long - term capital appreciation by primarily investing in equity and equity related securities of companies in the Finance, Retail & Entertainment sectors. However, there can be no assurance that the investment objective of the scheme will be realized.

Canara Robeco Consumer Trends Fund is a Equity - Sectoral fund was launched on 14 Sep 09. It is a fund with High risk and has given a CAGR/Annualized return of 15.3% since its launch.  Ranked 16 in Sectoral category.  Return for 2018 was 2% , 2017 was 41% and 2016 was 3.4% .

Below is the key information for Canara Robeco Consumer Trends Fund

Canara Robeco Consumer Trends Fund
Growth
Launch Date 14 Sep 09
NAV (08 Nov 19) ₹42.45 ↓ -0.30   (-0.70 %)
Net Assets (Cr) ₹354 on 30 Sep 19
Category Equity - Sectoral
AMC Canara Robeco Asset Management Co. Ltd.
Rating
Risk High
Expense Ratio 3.16
Sharpe Ratio 0.83
Information Ratio 0.2
Alpha Ratio 10.05
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Oct 14₹10,000
31 Oct 15₹11,064
31 Oct 16₹13,063
31 Oct 17₹15,583
31 Oct 18₹15,238
31 Oct 19₹18,932

Canara Robeco Consumer Trends Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684
Invest Now

Returns for Canara Robeco Consumer Trends Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Nov 19

DurationReturns
1 Month 7.2%
3 Month 13.4%
6 Month 13.3%
1 Year 22.1%
3 Year 13.5%
5 Year 12.9%
10 Year
15 Year
Since launch 15.3%
Historical performance (Yearly) on absolute basis
YearReturns
2018 2%
2017 41%
2016 3.4%
2015 1.8%
2014 56.3%
2013 -2.3%
2012 47.6%
2011 -22.3%
2010 32.8%
2009
Fund Manager information for Canara Robeco Consumer Trends Fund
NameSinceTenure
Shridatta Bhandwaldar1 Oct 190 Yr.
Cheenu Gupta15 Jun 181.29 Yr.

Data below for Canara Robeco Consumer Trends Fund as on 30 Sep 19

Equity Sector Allocation
SectorValue
Consumer Defensive31.02%
Financial Services28.52%
Basic Materials12.64%
Consumer Cyclical11.55%
Communication Services4.41%
Industrials4.17%
Utility2.14%
Health Care2.07%
Technology0.68%
Asset Allocation
Asset ClassValue
Cash2.8%
Equity97.18%
Debt0.01%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Hindustan Unilever Ltd (Consumer Defensive)
Equity, Since 31 May 17 | 500696
8%₹29 Cr147,400
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | HDFCBANK
6%₹23 Cr187,000
Bajaj Finance Ltd (Financial Services)
Equity, Since 31 May 19 | 500034
6%₹23 Cr55,825
↑ 5,000
Colgate-Palmolive (India) Ltd (Consumer Defensive)
Equity, Since 31 Jul 19 | 500830
5%₹17 Cr111,700
↑ 25,000
Nestle India Ltd (Consumer Defensive)
Equity, Since 30 Sep 18 | NESTLEIND
4%₹16 Cr11,250
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 19 | BHARTIARTL
4%₹16 Cr424,683
Dabur India Ltd (Consumer Defensive)
Equity, Since 30 Jun 18 | 500096
4%₹15 Cr326,000
↑ 36,000
Avenue Supermarts Ltd (Consumer Defensive)
Equity, Since 31 Aug 19 | 540376
4%₹14 Cr75,000
Asian Paints Ltd (Basic Materials)
Equity, Since 30 Jun 18 | 500820
4%₹14 Cr78,300
↑ 29,000
Bata India Ltd (Consumer Cyclical)
Equity, Since 31 Aug 19 | 500043
4%₹13 Cr74,000
↑ 31,000

7. DSP BlackRock Equity Fund

Aims to provide long term capital appreciation from a portfolio substantially constituted of equity and equity related securities.

DSP BlackRock Equity Fund is a Equity - Multi Cap fund was launched on 7 Jun 07. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 12.3% since its launch.  Ranked 42 in Multi Cap category.  Return for 2018 was -7.5% , 2017 was 40% and 2016 was 4.1% .

Below is the key information for DSP BlackRock Equity Fund

DSP BlackRock Equity Fund
Growth
Launch Date 7 Jun 07
NAV (08 Nov 19) ₹42.269 ↓ -0.35   (-0.82 %)
Net Assets (Cr) ₹2,786 on 30 Sep 19
Category Equity - Multi Cap
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk Moderately High
Expense Ratio 2.43
Sharpe Ratio 0.92
Information Ratio 0.17
Alpha Ratio 12.01
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 Oct 14₹10,000
31 Oct 15₹10,386
31 Oct 16₹12,064
31 Oct 17₹14,352
31 Oct 18₹13,265
31 Oct 19₹16,328

DSP BlackRock Equity 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 DSP BlackRock Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Nov 19

DurationReturns
1 Month 6.3%
3 Month 11%
6 Month 11.5%
1 Year 21%
3 Year 11.4%
5 Year 10%
10 Year
15 Year
Since launch 12.3%
Historical performance (Yearly) on absolute basis
YearReturns
2018 -7.5%
2017 40%
2016 4.1%
2015 -0.7%
2014 53%
2013 0.1%
2012 33.3%
2011 -23.9%
2010 19.8%
2009 90.7%
Fund Manager information for DSP BlackRock Equity Fund
NameSinceTenure
Atul Bhole1 Jun 163 Yr.

Data below for DSP BlackRock Equity Fund as on 30 Sep 19

Equity Sector Allocation
SectorValue
Financial Services42.92%
Basic Materials11.14%
Consumer Cyclical9.22%
Industrials8.19%
Consumer Defensive7.63%
Health Care7.58%
Technology6.53%
Energy2.55%
Real Estate2.48%
Asset Allocation
Asset ClassValue
Cash1.76%
Equity98.24%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Bajaj Finance Ltd (Financial Services)
Equity, Since 30 Sep 16 | 500034
9%₹244 Cr602,598
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 16 | ICICIBANK
8%₹226 Cr5,205,357
↑ 186,581
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Sep 14 | HDFCBANK
7%₹208 Cr1,696,735
↑ 90,491
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 28 Feb 19 | KOTAKBANK
5%₹140 Cr853,997
↑ 760
Hindustan Unilever Ltd (Consumer Defensive)
Equity, Since 28 Feb 19 | 500696
4%₹112 Cr565,490
Asian Paints Ltd (Basic Materials)
Equity, Since 30 Jun 16 | 500820
4%₹101 Cr570,495
↑ 491
Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | 532215
3%₹94 Cr1,369,377
↓ -281,588
Tata Consultancy Services Ltd (Technology)
Equity, Since 28 Feb 18 | TCS
3%₹77 Cr366,229
UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Dec 17 | ULTRACEMCO
3%₹72 Cr166,889
↑ 12,793
Godrej Properties Ltd (Real Estate)
Equity, Since 31 Jul 19 | GODREJPROP
2%₹69 Cr666,357
↑ 137,515

8. BNP Paribas Large Cap Fund

(Erstwhile BNP Paribas Equity Fund)

The investment objective of the Scheme is to generate long-term capital growth from a diversifi ed and actively managed portfolio of equity and equity related securities. The Scheme will invest in a range of companies, with a bias towards large & medium market capitalisation companies. 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 Large Cap Fund is a Equity - Large Cap fund was launched on 23 Sep 04. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 16.2% since its launch.  Ranked 38 in Large Cap category.  Return for 2018 was -4% , 2017 was 37% and 2016 was -5.5% .

Below is the key information for BNP Paribas Large Cap Fund

BNP Paribas Large Cap Fund
Growth
Launch Date 23 Sep 04
NAV (08 Nov 19) ₹96.27 ↓ -0.70   (-0.72 %)
Net Assets (Cr) ₹788 on 30 Sep 19
Category Equity - Large Cap
AMC BNP Paribas Asset Mgmt India Pvt. Ltd
Rating
Risk Moderately High
Expense Ratio 2.46
Sharpe Ratio 0.94
Information Ratio -0.23
Alpha Ratio 8.45
Min Investment 5,000
Min SIP Investment 300
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Oct 14₹10,000
31 Oct 15₹10,792
31 Oct 16₹11,476
31 Oct 17₹13,538
31 Oct 18₹12,780
31 Oct 19₹15,610

BNP Paribas Large Cap Fund SIP Returns

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

Returns for BNP Paribas Large Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Nov 19

DurationReturns
1 Month 5.4%
3 Month 9.1%
6 Month 11.4%
1 Year 20.7%
3 Year 11.2%
5 Year 9.1%
10 Year
15 Year
Since launch 16.2%
Historical performance (Yearly) on absolute basis
YearReturns
2018 -4%
2017 37%
2016 -5.5%
2015 5.6%
2014 47.4%
2013 8.7%
2012 30.5%
2011 -17.8%
2010 18.1%
2009 56.8%
Fund Manager information for BNP Paribas Large Cap Fund
NameSinceTenure
Abhijeet Dey16 Nov 162.87 Yr.
Karthikraj Lakshmanan7 Oct 162.98 Yr.

Data below for BNP Paribas Large Cap Fund as on 30 Sep 19

Equity Sector Allocation
SectorValue
Financial Services38.94%
Consumer Defensive13.15%
Technology9.81%
Basic Materials9.62%
Energy8.47%
Industrials8.24%
Consumer Cyclical2.87%
Communication Services2.47%
Asset Allocation
Asset ClassValue
Cash6.44%
Equity93.56%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 08 | HDFCBANK
10%₹75 Cr615,000
↓ -25,000
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Jun 12 | ICICIBANK
8%₹62 Cr1,432,000
↓ -243,000
Net Receivables / (Payables)
Net Current Assets | -
6%₹47 Cr
Infosys Ltd (Technology)
Equity, Since 31 Mar 09 | INFY
6%₹47 Cr580,000
Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | 532215
5%₹41 Cr600,000
↑ 150,000
Reliance Industries Ltd (Energy)
Equity, Since 30 Sep 17 | RELIANCE
5%₹41 Cr305,000
↓ -30,000
UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Dec 13 | ULTRACEMCO
5%₹37 Cr85,000
↑ 20,000
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 28 Feb 15 | KOTAKBANK
4%₹35 Cr215,000
↑ 65,000
Siemens Ltd (Industrials)
Equity, Since 28 Feb 19 | 500550
4%₹29 Cr192,000
↑ 60,000
Asian Paints Ltd (Basic Materials)
Equity, Since 30 Sep 14 | 500820
3%₹26 Cr150,000

9. BNP Paribas Substantial Equity Hybrid Fund

(Erstwhile BNP Paribas Balanced Fund)

The Scheme seeks to generate income and capital appreciation by investing in a diversified portfolio of equity and equity related instruments and fixed income instruments. However, there can be no assurance that the investment objectives of the Scheme will be realized. The Scheme does not guarantee/indicate any returns

BNP Paribas Substantial Equity Hybrid Fund is a Hybrid - Hybrid Equity fund was launched on 7 Apr 17. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 10.1% since its launch.  Return for 2018 was 0.4% .

Below is the key information for BNP Paribas Substantial Equity Hybrid Fund

BNP Paribas Substantial Equity Hybrid Fund
Growth
Launch Date 7 Apr 17
NAV (08 Nov 19) ₹12.8331 ↓ -0.06   (-0.50 %)
Net Assets (Cr) ₹316 on 30 Sep 19
Category Hybrid - Hybrid Equity
AMC BNP Paribas Asset Mgmt India Pvt. Ltd
Rating Not Rated
Risk Moderately High
Expense Ratio 0
Sharpe Ratio 1.05
Information Ratio 0
Alpha Ratio 4.82
Min Investment 5,000
Min SIP Investment 300
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Oct 17₹10,621
31 Oct 18₹10,444
31 Oct 19₹12,635

BNP Paribas Substantial Equity Hybrid 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 BNP Paribas Substantial Equity Hybrid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Nov 19

DurationReturns
1 Month 5.9%
3 Month 9.1%
6 Month 11.7%
1 Year 19.7%
3 Year
5 Year
10 Year
15 Year
Since launch 10.1%
Historical performance (Yearly) on absolute basis
YearReturns
2018 0.4%
2017
2016
2015
2014
2013
2012
2011
2010
2009
Fund Manager information for BNP Paribas Substantial Equity Hybrid Fund
NameSinceTenure
Karthikraj Lakshmanan7 Apr 172.48 Yr.
Mayank Prakash7 Apr 172.48 Yr.

Data below for BNP Paribas Substantial Equity Hybrid Fund as on 30 Sep 19

Asset Allocation
Asset ClassValue
Cash9.08%
Equity76.37%
Debt14.55%
Equity Sector Allocation
SectorValue
Financial Services25.68%
Consumer Defensive12.88%
Technology8.27%
Basic Materials8.06%
Industrials5.26%
Consumer Cyclical4.12%
Energy4.12%
Utility3.51%
Health Care2.6%
Communication Services1.86%
Debt Sector Allocation
SectorValue
Corporate16.07%
Cash Equivalent7.56%
Credit Quality
RatingValue
AA33.14%
AAA66.86%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 17 | HDFCBANK
8%₹26 Cr210,000
Net Receivables / (Payables)
Net Current Assets | -
7%₹21 Cr
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Apr 17 | ICICIBANK
5%₹16 Cr360,000
↓ -150,000
Infosys Ltd (Technology)
Equity, Since 30 Apr 17 | INFY
4%₹14 Cr175,000
INOX Leisure Ltd (Consumer Cyclical)
Equity, Since 31 Dec 18 | 532706
3%₹10 Cr300,000
↑ 112,877
GlaxoSmithKline Consumer Healthcare Ltd (Consumer Defensive)
Equity, Since 31 Aug 18 | 500676
3%₹10 Cr11,500
Asian Paints Ltd (Basic Materials)
Equity, Since 30 Apr 17 | 500820
3%₹9 Cr50,000
UltraTech Cement Ltd (Basic Materials)
Equity, Since 30 Apr 18 | ULTRACEMCO
3%₹8 Cr19,400
↑ 5,400
Axis Bank Ltd (Financial Services)
Equity, Since 31 Jul 18 | 532215
2%₹8 Cr110,000
↑ 35,000
Sundaram BNP Paribas Home Finance Limited
Debentures | -
2%₹7 Cr70

10. Motilal Oswal Focused 25 Fund 

(Erstwhile Motilal Oswal MOSt Focused 25 Fund)

The investment objective of the Scheme is to achieve long term capital appreciation by investing in upto 25 companies with long term sustainable competitive advantage and growth potential. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved.

Motilal Oswal Focused 25 Fund  is a Equity - Focused fund was launched on 7 May 13. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 14.1% since its launch.  Ranked 28 in Focused category.  Return for 2018 was -4.2% , 2017 was 32.2% and 2016 was 2.8% .

Below is the key information for Motilal Oswal Focused 25 Fund 

Motilal Oswal Focused 25 Fund 
Growth
Launch Date 7 May 13
NAV (08 Nov 19) ₹23.587 ↓ -0.16   (-0.69 %)
Net Assets (Cr) ₹1,140 on 30 Sep 19
Category Equity - Focused
AMC Motilal Oswal Asset Management Co. Ltd
Rating
Risk Moderately High
Expense Ratio 2.48
Sharpe Ratio 0.54
Information Ratio -0.22
Alpha Ratio 4.93
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 Oct 14₹10,000
31 Oct 15₹11,054
31 Oct 16₹12,369
31 Oct 17₹14,570
31 Oct 18₹13,516
31 Oct 19₹16,624

Motilal Oswal Focused 25 Fund  SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹395,578.
Net Profit of ₹95,578
Invest Now

Returns for Motilal Oswal Focused 25 Fund 

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Nov 19

DurationReturns
1 Month 6.1%
3 Month 12.1%
6 Month 11.4%
1 Year 19.6%
3 Year 10.4%
5 Year 10.5%
10 Year
15 Year
Since launch 14.1%
Historical performance (Yearly) on absolute basis
YearReturns
2018 -4.2%
2017 32.2%
2016 2.8%
2015 5.9%
2014 44.2%
2013
2012
2011
2010
2009
Fund Manager information for Motilal Oswal Focused 25 Fund 
NameSinceTenure
Abhiroop Mukherjee7 May 136.07 Yr.
Siddharth Bothra23 Nov 162.52 Yr.

Data below for Motilal Oswal Focused 25 Fund  as on 30 Sep 19

Equity Sector Allocation
SectorValue
Financial Services44.79%
Industrials19.3%
Technology10.11%
Consumer Defensive9.65%
Health Care8.47%
Consumer Cyclical6.38%
Basic Materials1%
Asset Allocation
Asset ClassValue
Cash0.27%
Equity99.7%
Debt0.03%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 May 13 | HDFCBANK
11%₹121 Cr983,600
HDFC Life Insurance Co Ltd (Financial Services)
Equity, Since 30 Nov 17 | 540777
10%₹117 Cr1,943,599
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Nov 18 | ICICIBANK
8%₹91 Cr2,091,600
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Mar 18 | TCS
7%₹84 Cr398,390
↑ 17,800
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 May 13 | KOTAKBANK
7%₹77 Cr465,362
↑ 13,000
Avenue Supermarts Ltd (Consumer Defensive)
Equity, Since 31 Jul 19 | 540376
6%₹69 Cr372,427
↓ -19,905
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Sep 18 | LT
6%₹68 Cr462,950
↑ 22,000
ABB India Ltd (Industrials)
Equity, Since 30 Apr 17 | 500002
5%₹52 Cr343,264
Container Corporation of India Ltd (Industrials)
Equity, Since 30 Apr 17 | 531344
4%₹48 Cr800,726
↑ 82,981
Abbott India Ltd (Healthcare)
Equity, Since 30 Apr 18 | 500488
4%₹46 Cr43,767
↑ 1,485

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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