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Mutual Fund in India

Updated on January 17, 2022 , 72238 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 (%)2021 (%)
L&T Emerging Businesses Fund Growth ₹48.983
↑ 0.16
₹8,1907.524.179.926.321.477.4
IDFC Infrastructure Fund Growth ₹25.47
↑ 0.09
₹6614.912.163.321.113.664.8
Aditya Birla Sun Life Small Cap Fund Growth ₹57.0637
↑ 0.01
₹2,974-1.66.951.319.213.351.4
IDFC Tax Advantage (ELSS) Fund Growth ₹101.53
↓ -0.24
₹3,5330.915.947.624.319.749.2
SBI Small Cap Fund Growth ₹108.689
↓ -0.19
₹11,2503.114.147.529.823.947.6
Franklin Build India Fund Growth ₹67.8517
↑ 0.13
₹1,1221.715.345.519.915.845.9
DSP BlackRock Natural Resources and New Energy Fund Growth ₹54.777
↓ -0.74
₹753-5.66.444.421.714.642.8
L&T India Value Fund Growth ₹60.47
↓ -0.07
₹7,9350.115.939.720.915.440.3
Principal Emerging Bluechip Fund Growth ₹183.316
↑ 2.03
₹3,1242.913.638.921.919.2
Kotak Equity Opportunities Fund Growth ₹201.495
↓ -1.33
₹8,6630.711.130.221.416.730.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Jan 22

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 (%)2021 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Aditya Birla Sun Life Corporate Bond Fund Growth ₹89.1772
↑ 0.01
₹19,3920.61.84.38.345.54%2Y 1M 28D3Y 3M 11D
Aditya Birla Sun Life Savings Fund Growth ₹436.549
↓ 0.00
₹14,7430.91.94.16.43.94.69%7M 13D7M 20D
ICICI Prudential Long Term Plan Growth ₹28.958
↑ 0.01
₹6,6540.31.84.18.64.36.29%3Y 7M 24D7Y 18D
HDFC Corporate Bond Fund Growth ₹25.8933
↑ 0.01
₹28,1090.61.948.53.95.49%2Y 7M 20D4Y 5M 19D
Aditya Birla Sun Life Money Manager Fund Growth ₹293.813
↓ -0.02
₹16,01411.946.13.84.21%4M 6D4M 6D
HDFC Banking and PSU Debt Fund Growth ₹18.4893
↑ 0.00
₹8,8230.61.73.87.93.75.49%2Y 6M 25D3Y 10M 2D
JM Liquid Fund Growth ₹57.3779
↓ 0.00
₹1,1170.91.73.34.53.33.55%27D28D
Principal Cash Management Fund Growth ₹1,853.07
↓ -0.04
₹3,1370.81.63.24.33.23.35%12D13D
UTI Treasury Advantage Fund Growth ₹2,832.93
↑ 0.11
₹3,8750.86.99.23.894.27%5M 26D1Y 9M 11D
UTI Short Term Income Fund Growth ₹25.4123
↑ 0.00
₹3,7130.66.58.84.78.44.83%1Y 29D2Y 3M 4D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Jan 22
*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. L&T Emerging Businesses Fund

To generate long-term capital appreciation from a diversified portfolio of predominantly equity and equity related securities, including equity derivatives, in the Indian markets with key theme focus being emerging companies (small cap stocks). The Scheme could also additionally invest in Foreign Securities.

L&T Emerging Businesses Fund is a Equity - Small Cap fund was launched on 12 May 14. It is a fund with High risk and has given a CAGR/Annualized return of 22.9% since its launch.  Ranked 2 in Small Cap category.  Return for 2021 was 77.4% , 2020 was 15.5% and 2019 was -8.1% .

Below is the key information for L&T Emerging Businesses Fund

L&T Emerging Businesses Fund
Growth
Launch Date 12 May 14
NAV (19 Jan 22) ₹48.983 ↑ 0.16   (0.33 %)
Net Assets (Cr) ₹8,190 on 31 Dec 21
Category Equity - Small Cap
AMC L&T Investment Management Ltd
Rating
Risk High
Expense Ratio 1.95
Sharpe Ratio 4.22
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Dec 16₹10,000
31 Dec 17₹16,650
31 Dec 18₹14,366
31 Dec 19₹13,195
31 Dec 20₹15,234
31 Dec 21₹27,028

L&T Emerging Businesses Fund SIP Returns

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

Returns for L&T Emerging Businesses Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Jan 22

DurationReturns
1 Month 9.8%
3 Month 7.5%
6 Month 24.1%
1 Year 79.9%
3 Year 26.3%
5 Year 21.4%
10 Year
15 Year
Since launch 22.9%
Historical performance (Yearly) on absolute basis
YearReturns
2021 77.4%
2020 15.5%
2019 -8.1%
2018 -13.7%
2017 66.5%
2016 10.2%
2015 12.3%
2014
2013
2012
Fund Manager information for L&T Emerging Businesses Fund
NameSinceTenure
Venugopal Manghat17 Dec 191.96 Yr.
Vihang Naik17 Dec 191.96 Yr.

Data below for L&T Emerging Businesses Fund as on 31 Dec 21

Equity Sector Allocation
SectorValue
Industrials31.93%
Consumer Cyclical19.78%
Basic Materials16.72%
Technology12.36%
Consumer Defensive6.58%
Real Estate6.53%
Health Care2.39%
Financial Services1.87%
Energy0.42%
Asset Allocation
Asset ClassValue
Cash1.42%
Equity98.58%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
K.P.R. Mill Ltd (Consumer Cyclical)
Equity, Since 28 Feb 15 | 532889
7%₹542 Cr10,286,753
Grindwell Norton Ltd (Industrials)
Equity, Since 30 Sep 17 | 506076
4%₹280 Cr1,734,948
Balrampur Chini Mills Ltd (Consumer Defensive)
Equity, Since 31 Jul 19 | 500038
3%₹217 Cr6,974,700
Birlasoft Ltd (Technology)
Equity, Since 31 Aug 20 | 532400
3%₹217 Cr4,572,600
Brigade Enterprises Ltd (Real Estate)
Equity, Since 31 Jul 19 | 532929
3%₹217 Cr4,311,022
Sonata Software Ltd (Technology)
Equity, Since 31 Jul 18 | 532221
3%₹214 Cr2,338,967
Carborundum Universal Ltd (Industrials)
Equity, Since 31 Jul 16 | 513375
3%₹203 Cr2,209,700
Finolex Industries Ltd (Industrials)
Equity, Since 28 Feb 18 | FINPIPE
2%₹186 Cr8,769,275
Cera Sanitaryware Ltd (Industrials)
Equity, Since 31 Mar 19 | 532443
2%₹165 Cr329,245
Persistent Systems Ltd (Technology)
Equity, Since 31 Jul 18 | PERSISTENT
2%₹164 Cr396,254
↓ -123,946

2. Kotak Small Cap Fund

(Erstwhile Kotak Midcap Scheme)

The investment objective of the Scheme is to generate capital appreciation from a diversified portfolio of equity and equity related securities.

Kotak Small Cap Fund is a Equity - Small Cap fund was launched on 24 Feb 05. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 18.3% since its launch.  Ranked 23 in Small Cap category.  Return for 2021 was 70.9% , 2020 was 34.2% and 2019 was 5% .

Below is the key information for Kotak Small Cap Fund

Kotak Small Cap Fund
Growth
Launch Date 24 Feb 05
NAV (19 Jan 22) ₹172.159 ↓ -0.41   (-0.24 %)
Net Assets (Cr) ₹6,762 on 31 Dec 21
Category Equity - Small Cap
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately High
Expense Ratio 1.89
Sharpe Ratio 4.09
Information Ratio 1.48
Alpha Ratio 20.01
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 Dec 16₹10,000
31 Dec 17₹14,402
31 Dec 18₹11,910
31 Dec 19₹12,511
31 Dec 20₹16,791
31 Dec 21₹28,703

Kotak Small 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 ₹530,691.
Net Profit of ₹230,691
Invest Now

Returns for Kotak Small 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 19 Jan 22

DurationReturns
1 Month 4.2%
3 Month 2.1%
6 Month 17.4%
1 Year 67.7%
3 Year 35.8%
5 Year 22.7%
10 Year
15 Year
Since launch 18.3%
Historical performance (Yearly) on absolute basis
YearReturns
2021 70.9%
2020 34.2%
2019 5%
2018 -17.3%
2017 44%
2016 8.9%
2015 7.4%
2014 74%
2013 -4.9%
2012 50.2%
Fund Manager information for Kotak Small Cap Fund
NameSinceTenure
Pankaj Tibrewal21 Jan 1011.87 Yr.

Data below for Kotak Small Cap Fund as on 31 Dec 21

Equity Sector Allocation
SectorValue
Industrials32.91%
Consumer Cyclical27.11%
Basic Materials18.88%
Technology5.18%
Financial Services4.41%
Consumer Defensive1.54%
Health Care1.48%
Real Estate1%
Energy0.47%
Asset Allocation
Asset ClassValue
Cash6.57%
Equity93.43%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Century Plyboards (India) Ltd (Consumer Cyclical)
Equity, Since 31 Oct 18 | 532548
6%₹370 Cr6,149,285
↓ -357,760
Sheela Foam Ltd (Consumer Cyclical)
Equity, Since 30 Jun 18 | 540203
5%₹316 Cr969,087
↓ -198
Carborundum Universal Ltd (Industrials)
Equity, Since 30 Jun 18 | 513375
4%₹278 Cr3,027,554
↓ -105,000
Persistent Systems Ltd (Technology)
Equity, Since 31 Jul 13 | PERSISTENT
3%₹219 Cr529,948
Supreme Industries Ltd (Industrials)
Equity, Since 31 May 14 | 509930
3%₹204 Cr941,354
↑ 91,776
Ratnamani Metals & Tubes Ltd (Basic Materials)
Equity, Since 31 Jan 18 | 520111
3%₹200 Cr904,561
↑ 6,000
Somany Ceramics Ltd (Industrials)
Equity, Since 31 Jan 21 | 531548
3%₹198 Cr2,388,620
↑ 11,362
Blue Star Ltd (Industrials)
Equity, Since 31 May 18 | BLUESTARCO
3%₹188 Cr1,978,982
Galaxy Surfactants Ltd (Basic Materials)
Equity, Since 31 Jan 18 | 540935
3%₹184 Cr662,301
↑ 12,198
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Jan 18 | AMBER
3%₹164 Cr542,829
↑ 51,234

3. 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 13.8% since its launch.  Ranked 37 in Sectoral category.  Return for 2021 was 75.7% , 2020 was 70.6% and 2019 was 2.3% .

Below is the key information for ICICI Prudential Technology Fund

ICICI Prudential Technology Fund
Growth
Launch Date 3 Mar 00
NAV (19 Jan 22) ₹167.97 ↓ -2.94   (-1.72 %)
Net Assets (Cr) ₹7,909 on 31 Dec 21
Category Equity - Sectoral
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.53
Sharpe Ratio 4.51
Information Ratio 1.08
Alpha Ratio 26.65
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 Dec 16₹10,000
31 Dec 17₹11,980
31 Dec 18₹14,271
31 Dec 19₹14,606
31 Dec 20₹24,916
31 Dec 21₹43,787

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 ₹689,048.
Net Profit of ₹389,048
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 19 Jan 22

DurationReturns
1 Month 1.2%
3 Month 0.2%
6 Month 25.8%
1 Year 64.4%
3 Year 41.7%
5 Year 33.9%
10 Year
15 Year
Since launch 13.8%
Historical performance (Yearly) on absolute basis
YearReturns
2021 75.7%
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%
Fund Manager information for ICICI Prudential Technology Fund
NameSinceTenure
Priyanka Khandelwal8 Jul 201.4 Yr.
Vaibhav Dusad2 May 201.58 Yr.

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

Equity Sector Allocation
SectorValue
Technology83.38%
Communication Services11.75%
Industrials3.46%
Consumer Cyclical0.81%
Consumer Defensive0.14%
Asset Allocation
Asset ClassValue
Cash0.45%
Equity99.55%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Infosys Ltd (Technology)
Equity, Since 30 Apr 08 | INFY
22%₹1,647 Cr9,616,347
↑ 659,017
Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Sep 19 | TCS
9%₹662 Cr1,876,982
↓ -25,000
Tech Mahindra Ltd (Technology)
Equity, Since 31 Oct 16 | 532755
9%₹634 Cr4,112,736
↓ -19,323
HCL Technologies Ltd (Technology)
Equity, Since 30 Sep 20 | HCLTECH
9%₹633 Cr5,560,768
Persistent Systems Ltd (Technology)
Equity, Since 31 May 20 | PERSISTENT
5%₹364 Cr879,751
↓ -142,417
Wipro Ltd (Technology)
Equity, Since 30 Sep 19 | 507685
4%₹321 Cr5,043,902
↑ 2,266,505
Mphasis Ltd (Technology)
Equity, Since 30 Jun 20 | 526299
4%₹276 Cr952,295
↑ 23,367
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 20 | BHARTIARTL
4%₹264 Cr3,630,200
Cognizant Technology Solutions Corp Class A (Technology)
Equity, Since 31 Jul 21 | CTSH
3%₹242 Cr404,000
Cyient Ltd (Industrials)
Equity, Since 30 Jun 18 | CYIENT
2%₹165 Cr1,630,644
↑ 117,829

4. IDFC Infrastructure Fund

The investment objective of the scheme is to seek to generate long-term capital growth through an active diversified portfolio of predominantly equity and equity related instruments of companies that are participating in and benefiting from growth in Indian infrastructure and infrastructural related activities. However, there can be no assurance that the investment objective of the scheme will be realized.

IDFC Infrastructure Fund is a Equity - Sectoral fund was launched on 8 Mar 11. It is a fund with High risk and has given a CAGR/Annualized return of 9% since its launch.  Ranked 1 in Sectoral category.  Return for 2021 was 64.8% , 2020 was 6.3% and 2019 was -5.3% .

Below is the key information for IDFC Infrastructure Fund

IDFC Infrastructure Fund
Growth
Launch Date 8 Mar 11
NAV (19 Jan 22) ₹25.47 ↑ 0.09   (0.35 %)
Net Assets (Cr) ₹661 on 31 Dec 21
Category Equity - Sectoral
AMC IDFC Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.51
Sharpe Ratio 2.4
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Dec 16₹10,000
31 Dec 17₹15,867
31 Dec 18₹11,758
31 Dec 19₹11,140
31 Dec 20₹11,838
31 Dec 21₹19,514

IDFC Infrastructure 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 IDFC Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Jan 22

DurationReturns
1 Month 5.8%
3 Month 4.9%
6 Month 12.1%
1 Year 63.3%
3 Year 21.1%
5 Year 13.6%
10 Year
15 Year
Since launch 9%
Historical performance (Yearly) on absolute basis
YearReturns
2021 64.8%
2020 6.3%
2019 -5.3%
2018 -25.9%
2017 58.7%
2016 10.7%
2015 -0.2%
2014 43.2%
2013 -10.8%
2012 10%
Fund Manager information for IDFC Infrastructure Fund
NameSinceTenure
Sachin Relekar8 Dec 200.98 Yr.

Data below for IDFC Infrastructure Fund as on 31 Dec 21

Equity Sector Allocation
SectorValue
Industrials54.54%
Basic Materials24.82%
Utility12.16%
Communication Services4.42%
Energy1.13%
Asset Allocation
Asset ClassValue
Cash2.92%
Equity97.08%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 12 | LT
10%₹64 Cr365,000
UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Mar 14 | ULTRACEMCO
8%₹54 Cr72,000
Transport Corp of India Ltd (Industrials)
Equity, Since 31 Mar 18 | TCI
7%₹47 Cr681,424
↓ -47,116
JK Cement Ltd (Basic Materials)
Equity, Since 31 Oct 17 | JKCEMENT
7%₹46 Cr142,284
Torrent Power Ltd (Utilities)
Equity, Since 31 Mar 18 | 532779
5%₹31 Cr564,800
Gujarat Gas Ltd (Utilities)
Equity, Since 28 Feb 17 | 539336
4%₹29 Cr425,668
H.G. Infra Engineering Ltd Ordinary Shares (Industrials)
Equity, Since 28 Feb 18 | 541019
4%₹28 Cr461,127
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 19 | BHARTIARTL
4%₹28 Cr378,700
Sagar Cements Ltd (Basic Materials)
Equity, Since 31 Mar 18 | 502090
4%₹26 Cr1,012,665
PNC Infratech Ltd (Industrials)
Equity, Since 31 Oct 15 | PNCINFRA
4%₹26 Cr829,700

5. IDFC Sterling Value Fund

(Erstwhile IDFC Sterling Equity Fund)

To generate capital appreciation from a diversified portfolio of equity and equity related instruments.It will predominantly invest in small and midcap equity and equity related instruments. Small and Midcap equity & equity related instruments will be the stocks included in the Nifty Free Float Midcap 100 or equity and equity related instruments of such companies which have a market capitalization lower than the highest components of Nifty Free Float Midcap 100. It may also invest in stocks other than mid cap stocks (i.e. in stocks, which have a market capitalisation of above the market capitalisation range of the defined small - midcap stocks) & derivatives. On defensive consideration,It may also invest in debt and money market instruments. In case of discontinuation /suspension of Nifty Free Float Midcap 100, the AMC reserves the right tomodify the definition of Mid cap and Small cap companies. In case of such amodification, the interest of investors will be of paramount importance.

IDFC Sterling Value Fund is a Equity - Value fund was launched on 7 Mar 08. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 17.5% since its launch.  Ranked 21 in Value category.  Return for 2021 was 64.5% , 2020 was 15.2% and 2019 was -6.2% .

Below is the key information for IDFC Sterling Value Fund

IDFC Sterling Value Fund
Growth
Launch Date 7 Mar 08
NAV (19 Jan 22) ₹93.36 ↑ 0.07   (0.08 %)
Net Assets (Cr) ₹4,437 on 31 Dec 21
Category Equity - Value
AMC IDFC Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 2.07
Sharpe Ratio 3.31
Information Ratio -0.33
Alpha Ratio 6.1
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Dec 16₹10,000
31 Dec 17₹16,134
31 Dec 18₹14,045
31 Dec 19₹13,175
31 Dec 20₹15,177
31 Dec 21₹24,959

IDFC Sterling Value Fund SIP Returns

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

Returns for IDFC Sterling Value Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Jan 22

DurationReturns
1 Month 8%
3 Month 5.5%
6 Month 18.2%
1 Year 63%
3 Year 23.9%
5 Year 19.2%
10 Year
15 Year
Since launch 17.5%
Historical performance (Yearly) on absolute basis
YearReturns
2021 64.5%
2020 15.2%
2019 -6.2%
2018 -13%
2017 61.3%
2016 1.1%
2015 -0.3%
2014 57.3%
2013 4.9%
2012 45%
Fund Manager information for IDFC Sterling Value Fund
NameSinceTenure
Anoop Bhaskar30 Apr 165.59 Yr.
Daylynn Pinto20 Oct 165.12 Yr.

Data below for IDFC Sterling Value Fund as on 31 Dec 21

Equity Sector Allocation
SectorValue
Consumer Cyclical24.37%
Industrials15.45%
Financial Services14.87%
Basic Materials12.47%
Consumer Defensive8.75%
Technology8.59%
Health Care7.56%
Utility2.93%
Energy0.45%
Asset Allocation
Asset ClassValue
Cash4.52%
Equity95.48%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK
5%₹186 Cr2,600,000
Minda Industries Ltd (Consumer Cyclical)
Equity, Since 31 Aug 16 | 532539
3%₹127 Cr1,400,000
Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 31 May 20 | 532497
3%₹123 Cr1,092,310
↓ -6,101
Deepak Nitrite Ltd (Basic Materials)
Equity, Since 31 Mar 17 | 506401
3%₹121 Cr570,000
Gujarat Gas Ltd (Utilities)
Equity, Since 31 May 15 | 539336
3%₹121 Cr1,800,000
Jindal Steel & Power Ltd (Basic Materials)
Equity, Since 30 Apr 17 | 532286
3%₹117 Cr3,400,000
↑ 200,000
Greenpanel Industries Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Oct 19 | 542857
3%₹107 Cr2,868,919
↓ -1,081
Axis Bank Ltd (Financial Services)
Equity, Since 30 Apr 21 | 532215
2%₹102 Cr1,550,000
↑ 350,000
State Bank of India (Financial Services)
Equity, Since 30 Apr 21 | SBIN
2%₹101 Cr2,200,000
↑ 400,000
Cipla Ltd (Healthcare)
Equity, Since 31 May 21 | 500087
2%₹97 Cr1,000,000

6. ICICI Prudential Smallcap Fund

(Erstwhile ICICI Prudential Indo Asia Equity Fund)

ICICI Prudential Indo Asia Equity Fund is an OE equity scheme that seeks to generate long term capital appreciation by investing in equity, equity related securities and or share classes/units of equity funds of companies, which are incorporated or have their area of primary activity, in the Asia Pacific region. Initially the Scheme will invest in share classes of International Opportunities Fund Asian Equity Fund and thereafter the Fund Manager of the Indo Asia Equity Fund may choose to make investment in listed equity shares, securities in the Asia Pacific region. However, there can be no assurance that the investment objective of the Scheme will be realized.

ICICI Prudential Smallcap Fund is a Equity - Small Cap fund was launched on 18 Oct 07. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 12.4% since its launch.  Ranked 26 in Small Cap category.  Return for 2021 was 61% , 2020 was 22.8% and 2019 was 10% .

Below is the key information for ICICI Prudential Smallcap Fund

ICICI Prudential Smallcap Fund
Growth
Launch Date 18 Oct 07
NAV (19 Jan 22) ₹53.09 ↓ -0.09   (-0.17 %)
Net Assets (Cr) ₹3,450 on 31 Dec 21
Category Equity - Small Cap
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 2.25
Sharpe Ratio 2.87
Information Ratio 0.78
Alpha Ratio 2.22
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 Dec 16₹10,000
31 Dec 17₹14,274
31 Dec 18₹11,084
31 Dec 19₹12,196
31 Dec 20₹14,972
31 Dec 21₹24,105

ICICI Prudential Smallcap 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 ICICI Prudential Smallcap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Jan 22

DurationReturns
1 Month 5.2%
3 Month 2%
6 Month 12%
1 Year 62.4%
3 Year 31.8%
5 Year 19%
10 Year
15 Year
Since launch 12.4%
Historical performance (Yearly) on absolute basis
YearReturns
2021 61%
2020 22.8%
2019 10%
2018 -22.4%
2017 42.7%
2016 6%
2015 0.5%
2014 50.6%
2013 8.8%
2012 26%
Fund Manager information for ICICI Prudential Smallcap Fund
NameSinceTenure
Priyanka Khandelwal15 Jun 174.47 Yr.
Harish Bihani5 Nov 183.07 Yr.

Data below for ICICI Prudential Smallcap Fund as on 31 Dec 21

Equity Sector Allocation
SectorValue
Industrials24.44%
Consumer Cyclical16.72%
Financial Services10.83%
Technology8.54%
Basic Materials7.19%
Health Care7%
Communication Services6.03%
Real Estate5.56%
Consumer Defensive4.23%
Asset Allocation
Asset ClassValue
Cash5.44%
Equity94.56%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
INOX Leisure Ltd (Communication Services)
Equity, Since 31 Oct 18 | 532706
4%₹144 Cr3,601,283
↓ -14,334
KEI Industries Ltd (Industrials)
Equity, Since 31 Jan 20 | 517569
4%₹135 Cr1,218,416
↓ -7,378
V-Mart Retail Ltd (Consumer Cyclical)
Equity, Since 31 Jul 19 | 534976
4%₹125 Cr317,500
↓ -2,221
Birlasoft Ltd (Technology)
Equity, Since 31 Dec 20 | 532400
4%₹120 Cr2,520,309
↓ -200,000
Mahindra Lifespace Developers Ltd (Real Estate)
Equity, Since 31 Aug 19 | 532313
3%₹112 Cr4,354,770
↑ 11,368
Cyient Ltd (Industrials)
Equity, Since 31 Aug 18 | CYIENT
3%₹110 Cr1,085,387
↑ 92,250
Jamna Auto Industries Ltd (Consumer Cyclical)
Equity, Since 30 Apr 21 | 520051
3%₹109 Cr10,977,367
↑ 264,371
Blue Star Ltd (Industrials)
Equity, Since 30 Nov 17 | BLUESTARCO
3%₹95 Cr1,003,898
↓ -64,601
Cholamandalam Financial Holdings Ltd (Financial Services)
Equity, Since 30 Jun 19 | 504973
2%₹78 Cr1,116,662
↑ 4,555
Brigade Enterprises Ltd (Real Estate)
Equity, Since 30 Sep 16 | 532929
2%₹75 Cr1,491,839
↓ -679,361

7. DSP BlackRock Small Cap Fund 

(Erstwhile DSP BlackRock Micro Cap Fund)

The primary investment objective is to seek to generate long term capital appreciation from a portfolio that is substantially constituted of equity and equity related securities of small cap companies. From time to time, the fund manager will also seek participation in other equity and equity related securities to achieve optimal portfolio construction. There is no assurance that the investment objective of the Scheme will be realized

DSP BlackRock Small Cap Fund  is a Equity - Small Cap fund was launched on 14 Jun 07. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 18.4% since its launch.  Ranked 7 in Small Cap category.  Return for 2021 was 58.9% , 2020 was 33.1% and 2019 was 0.7% .

Below is the key information for DSP BlackRock Small Cap Fund 

DSP BlackRock Small Cap Fund 
Growth
Launch Date 14 Jun 07
NAV (19 Jan 22) ₹117.743 ↑ 0.30   (0.25 %)
Net Assets (Cr) ₹8,786 on 31 Dec 21
Category Equity - Small Cap
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk Moderately High
Expense Ratio 1.98
Sharpe Ratio 3.25
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 Dec 16₹10,000
31 Dec 17₹14,277
31 Dec 18₹10,643
31 Dec 19₹10,722
31 Dec 20₹14,274
31 Dec 21₹22,680

DSP BlackRock Small 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 ₹470,047.
Net Profit of ₹170,047
Invest Now

Returns for DSP BlackRock Small 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 19 Jan 22

DurationReturns
1 Month 7.3%
3 Month 6.3%
6 Month 17.3%
1 Year 61.7%
3 Year 30.4%
5 Year 17.6%
10 Year
15 Year
Since launch 18.4%
Historical performance (Yearly) on absolute basis
YearReturns
2021 58.9%
2020 33.1%
2019 0.7%
2018 -25.5%
2017 42.8%
2016 12.7%
2015 20.4%
2014 101.8%
2013 3.8%
2012 40.5%
Fund Manager information for DSP BlackRock Small Cap Fund 
NameSinceTenure
Vinit Sambre21 Jun 1011.45 Yr.
Jay Kothari1 Mar 138.76 Yr.
Resham Jain16 Mar 183.72 Yr.

Data below for DSP BlackRock Small Cap Fund  as on 31 Dec 21

Equity Sector Allocation
SectorValue
Consumer Cyclical37.74%
Basic Materials20.19%
Industrials13.52%
Health Care6.36%
Financial Services6.31%
Consumer Defensive5.28%
Technology4.15%
Communication Services1.65%
Asset Allocation
Asset ClassValue
Cash2.76%
Equity97.24%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Suprajit Engineering Ltd (Consumer Cyclical)
Equity, Since 30 Jun 14 | 532509
4%₹340 Cr8,183,746
↑ 687,949
Nilkamal Ltd (Consumer Cyclical)
Equity, Since 31 Jan 17 | 523385
4%₹306 Cr1,289,228
Tube Investments of India Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Jan 19 | 540762
4%₹293 Cr1,806,435
Chambal Fertilisers & Chemicals Ltd (Basic Materials)
Equity, Since 31 Jul 14 | 500085
3%₹291 Cr7,984,110
K.P.R. Mill Ltd (Consumer Cyclical)
Equity, Since 31 Jul 14 | 532889
3%₹289 Cr5,477,053
↓ -579,596
Atul Ltd (Basic Materials)
Equity, Since 31 Jul 13 | ATUL
3%₹272 Cr312,546
Ipca Laboratories Ltd (Healthcare)
Equity, Since 30 Nov 14 | 524494
3%₹254 Cr1,207,192
Sheela Foam Ltd (Consumer Cyclical)
Equity, Since 31 Mar 19 | 540203
3%₹248 Cr761,000
Ratnamani Metals & Tubes Ltd (Basic Materials)
Equity, Since 31 Dec 14 | 520111
3%₹227 Cr1,030,630
Manappuram Finance Ltd (Financial Services)
Equity, Since 30 Nov 13 | 531213
2%₹207 Cr12,658,180

8. Sundaram Small Cap Fund

(Erstwhile Sundaram SMILE Fund)

To primarily achieve capital appreciation by investing in diversified stocks that are generally termed as small and mid-caps and by investing in other equities.

Sundaram Small Cap Fund is a Equity - Small Cap fund was launched on 15 Feb 05. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 17.6% since its launch.  Ranked 19 in Small Cap category.  Return for 2021 was 60.3% , 2020 was 26.2% and 2019 was -6.1% .

Below is the key information for Sundaram Small Cap Fund

Sundaram Small Cap Fund
Growth
Launch Date 15 Feb 05
NAV (19 Jan 22) ₹156.371 ↓ -0.42   (-0.27 %)
Net Assets (Cr) ₹2,146 on 31 Dec 21
Category Equity - Small Cap
AMC Sundaram Asset Management Company Ltd
Rating
Risk Moderately High
Expense Ratio 2.35
Sharpe Ratio 3.78
Information Ratio -0.05
Alpha Ratio 12.86
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Dec 16₹10,000
31 Dec 17₹15,558
31 Dec 18₹11,019
31 Dec 19₹10,352
31 Dec 20₹13,060
31 Dec 21₹20,941

Sundaram Small 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 ₹447,579.
Net Profit of ₹147,579
Invest Now

Returns for Sundaram Small 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 19 Jan 22

DurationReturns
1 Month 6%
3 Month 1.7%
6 Month 15.2%
1 Year 61.2%
3 Year 25.3%
5 Year 15.1%
10 Year
15 Year
Since launch 17.6%
Historical performance (Yearly) on absolute basis
YearReturns
2021 60.3%
2020 26.2%
2019 -6.1%
2018 -29.2%
2017 55.6%
2016 -0.1%
2015 7.8%
2014 108.7%
2013 -5%
2012 44.8%
Fund Manager information for Sundaram Small Cap Fund
NameSinceTenure
Ratish Varier23 Jul 201.36 Yr.
Rohit Seksaria24 Feb 210.77 Yr.

Data below for Sundaram Small Cap Fund as on 31 Dec 21

Equity Sector Allocation
SectorValue
Industrials21.47%
Consumer Cyclical16.05%
Financial Services14.7%
Basic Materials12.31%
Technology11.72%
Health Care10.52%
Communication Services4.03%
Consumer Defensive3.57%
Real Estate0.49%
Asset Allocation
Asset ClassValue
Cash5.14%
Equity94.86%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
KPIT Technologies Ltd (Technology)
Equity, Since 30 Apr 19 | 542651
3%₹50 Cr1,019,378
↓ -20,000
Cyient Ltd (Industrials)
Equity, Since 31 Oct 20 | CYIENT
3%₹50 Cr492,530
↑ 16,677
Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 30 Jun 20 | MCX
3%₹49 Cr305,795
Persistent Systems Ltd (Technology)
Equity, Since 30 Jun 20 | PERSISTENT
3%₹49 Cr117,585
KSB Ltd (Industrials)
Equity, Since 31 May 14 | 500249
3%₹46 Cr372,310
↓ -172
Can Fin Homes Ltd (Financial Services)
Equity, Since 30 Sep 20 | 511196
3%₹46 Cr772,685
↑ 16,148
Carborundum Universal Ltd (Industrials)
Equity, Since 31 Mar 21 | 513375
3%₹45 Cr490,032
Amrutanjan Health Care Ltd (Healthcare)
Equity, Since 31 Jan 15 | 590006
3%₹45 Cr504,084
↓ -17,336
Tube Investments of India Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 28 Feb 19 | 540762
3%₹42 Cr258,222
↓ -3,608
Navin Fluorine International Ltd (Basic Materials)
Equity, Since 30 Jun 14 | 532504
2%₹38 Cr102,039

9. 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 25.4% since its launch.  Return for 2021 was 74.4% , 2020 was 54.8% and 2019 was 7.5% .

Below is the key information for TATA Digital India Fund

TATA Digital India Fund
Growth
Launch Date 28 Dec 15
NAV (19 Jan 22) ₹39.3463 ↓ -0.71   (-1.77 %)
Net Assets (Cr) ₹4,900 on 31 Dec 21
Category Equity - Sectoral
AMC Tata Asset Management Limited
Rating Not Rated
Risk High
Expense Ratio 1.73
Sharpe Ratio 4.47
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 150
Exit Load 0-3 Months (0.25%),3 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Dec 16₹10,000
31 Dec 17₹11,963
31 Dec 18₹14,944
31 Dec 19₹16,061
31 Dec 20₹24,866
31 Dec 21₹43,377

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 ₹689,048.
Net Profit of ₹389,048
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 19 Jan 22

DurationReturns
1 Month 1.5%
3 Month -0.9%
6 Month 26%
1 Year 59%
3 Year 39.5%
5 Year 33.7%
10 Year
15 Year
Since launch 25.4%
Historical performance (Yearly) on absolute basis
YearReturns
2021 74.4%
2020 54.8%
2019 7.5%
2018 24.9%
2017 19.6%
2016 -6%
2015
2014
2013
2012
Fund Manager information for TATA Digital India Fund
NameSinceTenure
Meeta Shetty20 Apr 201.62 Yr.
Venkat Samala26 Nov 201.01 Yr.

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

Equity Sector Allocation
SectorValue
Technology79.31%
Communication Services10.29%
Industrials4.8%
Consumer Cyclical2.34%
Asset Allocation
Asset ClassValue
Cash3.26%
Equity96.74%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Infosys Ltd (Technology)
Equity, Since 31 Jan 16 | INFY
23%₹961 Cr5,608,600
↑ 712,600
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Jan 16 | TCS
12%₹497 Cr1,408,126
HCL Technologies Ltd (Technology)
Equity, Since 31 Jan 16 | HCLTECH
10%₹401 Cr3,524,713
↑ 450,000
Tech Mahindra Ltd (Technology)
Equity, Since 30 Apr 16 | 532755
9%₹390 Cr2,532,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 21 | BHARTIARTL
4%₹181 Cr2,484,800
↑ 1,084,800
Wipro Ltd (Technology)
Equity, Since 31 Jul 18 | 507685
4%₹175 Cr2,750,000
↑ 800,000
L&T Technology Services Ltd (Technology)
Equity, Since 31 May 18 | LTTS
3%₹126 Cr238,500
Larsen & Toubro Infotech Ltd (Technology)
Equity, Since 28 Feb 21 | 540005
3%₹119 Cr175,300
Cyient Ltd (Industrials)
Equity, Since 28 Feb 21 | CYIENT
3%₹105 Cr1,039,455
↑ 205,116
Mphasis Ltd (Technology)
Equity, Since 30 Sep 20 | 526299
2%₹101 Cr349,485

10. 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 20.5% since its launch.  Ranked 40 in Mid Cap category.  Return for 2021 was 63.8% , 2020 was 48.4% and 2019 was 3.6% .

Below is the key information for PGIM India Midcap Opportunities Fund

PGIM India Midcap Opportunities Fund
Growth
Launch Date 2 Dec 13
NAV (19 Jan 22) ₹45.5 ↓ -0.06   (-0.13 %)
Net Assets (Cr) ₹4,070 on 31 Dec 21
Category Equity - Mid Cap
AMC Pramerica Asset Managers Private Limited
Rating
Risk High
Expense Ratio 2.53
Sharpe Ratio 4.03
Information Ratio 1.81
Alpha Ratio 16.94
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 Dec 16₹10,000
31 Dec 17₹13,696
31 Dec 18₹11,490
31 Dec 19₹11,900
31 Dec 20₹17,658
31 Dec 21₹28,920

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 ₹530,691.
Net Profit of ₹230,691
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 19 Jan 22

DurationReturns
1 Month 6.3%
3 Month 2.5%
6 Month 19.8%
1 Year 58.9%
3 Year 37.5%
5 Year 23%
10 Year
15 Year
Since launch 20.5%
Historical performance (Yearly) on absolute basis
YearReturns
2021 63.8%
2020 48.4%
2019 3.6%
2018 -16.1%
2017 37%
2016 -1.3%
2015 7.9%
2014 42.8%
2013
2012
Fund Manager information for PGIM India Midcap Opportunities Fund
NameSinceTenure
Aniruddha Naha1 Jun 210.5 Yr.
Vivek Sharma1 Jun 210.5 Yr.

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

Equity Sector Allocation
SectorValue
Industrials22.29%
Basic Materials16.72%
Technology13.41%
Consumer Cyclical12.28%
Financial Services12.17%
Health Care11.06%
Real Estate3.69%
Communication Services3.57%
Consumer Defensive1.57%
Utility0.87%
Asset Allocation
Asset ClassValue
Cash2.34%
Equity97.66%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Timken India Ltd (Industrials)
Equity, Since 30 Sep 21 | 522113
3%₹124 Cr614,231
Mphasis Ltd (Technology)
Equity, Since 28 Feb 21 | 526299
3%₹118 Cr406,776
↓ -64,441
Coforge Ltd (Technology)
Equity, Since 30 Jun 20 | 532541
3%₹117 Cr215,639
ABB India Ltd (Industrials)
Equity, Since 30 Sep 21 | 500002
3%₹114 Cr552,973
Max Financial Services Ltd (Financial Services)
Equity, Since 31 Aug 19 | 500271
3%₹107 Cr1,138,800
↑ 100,000
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Apr 21 | ICICIBANK
3%₹106 Cr1,477,154
↑ 966,154
Sanofi India Ltd (Healthcare)
Equity, Since 30 Apr 21 | 500674
3%₹104 Cr130,563
↑ 12,634
The Federal Bank Ltd (Financial Services)
Equity, Since 30 Jun 20 | FEDERALBNK
3%₹103 Cr11,830,000
Sobha Ltd (Real Estate)
Equity, Since 30 Nov 20 | 532784
3%₹98 Cr1,142,313
Ashok Leyland Ltd (Industrials)
Equity, Since 30 Apr 20 | 500477
3%₹95 Cr7,909,000

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. Nippon India Mutual Fund

Setup in 1995, Nippon India Mutual Fund (formerly known as Reliance Mutual Fund) is one of the oldest AMCs 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 Nippon India Vision Fund, Nippon India Banking Fund, Nippon India Liquid Fund, etc.

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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