ਨਿਵੇਸ਼ ਕਰਨ ਲਈ ਚੋਟੀ ਦੇ 5 ਸਰਬੋਤਮ ਇਕੁਇਟੀ SIP ਫੰਡ

Updated on July 9, 2026 , 8243 views

ਜੇਕਰ ਤੁਸੀਂ ਚਾਹੁੰਦੇ ਹੋ ਕਿ ਤੁਹਾਡੇ ਨਿਵੇਸ਼ਾਂ ਨੂੰ ਸਭ ਵਿੱਚ ਪਸੰਦ ਕੀਤਾ ਜਾਵੇਬਜ਼ਾਰ ਹਾਲਾਤ, ਫਿਰ ਆਪਣੇ ਨਿਵੇਸ਼ ਨੂੰ ਲੈSIP ਤਰੀਕਾ! ਸਿਸਟਮੈਟਿਕ ਇਨਵੈਸਟਮੈਂਟ ਪਲਾਨ (SIPs) ਨੂੰ ਸਭ ਤੋਂ ਪ੍ਰਭਾਵਸ਼ਾਲੀ ਢੰਗ ਮੰਨਿਆ ਜਾਂਦਾ ਹੈਮਿਉਚੁਅਲ ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨਾ. ਅਤੇ ਜੇਕਰ ਤੁਸੀਂ ਇਕੁਇਟੀ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨ ਦੀ ਯੋਜਨਾ ਬਣਾ ਰਹੇ ਹੋ, ਤਾਂ SIPs ਤਰਸਯੋਗ ਰਿਟਰਨ ਬਣਾਉਣ ਦਾ ਸਭ ਤੋਂ ਵਧੀਆ ਤਰੀਕਾ ਹੈ। ਸਰਬੋਤਮ ਇਕੁਇਟੀ SIP ਫੰਡ ਤੁਹਾਨੂੰ ਲੰਬੇ ਸਮੇਂ ਵਿੱਚ ਪੂਰਾ ਕਰਨ ਲਈ ਲੋੜੀਂਦੇ ਰਿਟਰਨ ਦੇ ਸਕਦੇ ਹਨਵਿੱਤੀ ਟੀਚੇ. ਤਾਂ, ਆਓ ਦੇਖੀਏ ਕਿ SIP ਕਿਵੇਂ ਕੰਮ ਕਰਦੀ ਹੈ, ਦੇ ਲਾਭSIP ਨਿਵੇਸ਼ਦੀ ਮਹੱਤਵਪੂਰਨ ਵਰਤੋਂsip ਕੈਲਕੁਲੇਟਰ ਇਕੁਇਟੀ ਨਿਵੇਸ਼ਾਂ ਲਈ ਵਧੀਆ ਪ੍ਰਦਰਸ਼ਨ ਕਰਨ ਵਾਲੇ SIP ਫੰਡਾਂ ਦੇ ਨਾਲ।

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ਇਕੁਇਟੀ ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਲਈ ਪ੍ਰਣਾਲੀਗਤ ਨਿਵੇਸ਼

ਆਦਰਸ਼ਕ ਤੌਰ 'ਤੇ, ਜਦੋਂ ਨਿਵੇਸ਼ਕ ਇਕੁਇਟੀ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨ ਦੀ ਯੋਜਨਾ ਬਣਾਉਂਦੇ ਹਨ, ਤਾਂ ਉਹ ਅਕਸਰ ਰਿਟਰਨ ਦੀ ਸਥਿਰਤਾ ਬਾਰੇ ਸ਼ੱਕ ਕਰਦੇ ਹਨ। ਇਹ ਇਸ ਲਈ ਹੈ ਕਿਉਂਕਿ ਉਹ ਮਾਰਕੀਟ ਨਾਲ ਜੁੜੇ ਹੋਏ ਹਨ ਅਤੇ ਅਕਸਰ ਅਸਥਿਰਤਾ ਦਾ ਸਾਹਮਣਾ ਕਰਦੇ ਹਨ. ਇਸ ਤਰ੍ਹਾਂ, ਅਜਿਹੀ ਅਸਥਿਰਤਾ ਨੂੰ ਸੰਤੁਲਿਤ ਕਰਨ ਅਤੇ ਲੰਬੇ ਸਮੇਂ ਦੇ ਸਥਿਰ ਰਿਟਰਨ ਨੂੰ ਯਕੀਨੀ ਬਣਾਉਣ ਲਈ, ਇਕੁਇਟੀ ਨਿਵੇਸ਼ਾਂ ਵਿੱਚ SIPs ਦੀ ਬਹੁਤ ਜ਼ਿਆਦਾ ਸਿਫ਼ਾਰਸ਼ ਕੀਤੀ ਜਾਂਦੀ ਹੈ। ਇਤਿਹਾਸਕ ਤੌਰ 'ਤੇ, ਖਰਾਬ ਮਾਰਕੀਟ ਪੜਾਅ ਵਿੱਚ, ਇਹ ਦੇਖਿਆ ਗਿਆ ਹੈ ਕਿ ਜਿਨ੍ਹਾਂ ਨਿਵੇਸ਼ਕਾਂ ਨੇ SIP ਰੂਟ ਲਿਆ ਸੀ, ਉਨ੍ਹਾਂ ਨੇ ਇੱਕਮੁਸ਼ਤ ਰੂਟ ਲੈਣ ਵਾਲਿਆਂ ਨਾਲੋਂ ਵਧੇਰੇ ਸਥਿਰ ਰਿਟਰਨ ਕਮਾਏ ਹਨ। SIP ਦਾ ਨਿਵੇਸ਼ ਸਮੇਂ ਦੇ ਨਾਲ ਫੈਲਿਆ ਹੋਇਆ ਹੈ, ਇੱਕਮੁਸ਼ਤ ਨਿਵੇਸ਼ ਦੇ ਉਲਟ ਜੋ ਇੱਕ ਵਾਰ ਵਿੱਚ ਹੁੰਦਾ ਹੈ। ਇਸ ਲਈ, SIP ਵਿੱਚ ਤੁਹਾਡਾ ਪੈਸਾ ਹਰ ਦਿਨ ਵਧਣਾ ਸ਼ੁਰੂ ਹੁੰਦਾ ਹੈ (ਸਟਾਕ ਮਾਰਕੀਟ ਵਿੱਚ ਨਿਵੇਸ਼ ਕੀਤਾ ਜਾ ਰਿਹਾ ਹੈ)।

ਇੱਕ ਯੋਜਨਾਬੱਧਨਿਵੇਸ਼ ਯੋਜਨਾ ਨੂੰ ਲੰਬੇ ਸਮੇਂ ਦੇ ਵਿੱਤੀ ਟੀਚਿਆਂ ਨੂੰ ਪ੍ਰਾਪਤ ਕਰਨ ਲਈ ਵੀ ਵਿਆਪਕ ਤੌਰ 'ਤੇ ਮੰਨਿਆ ਜਾਂਦਾ ਹੈਰਿਟਾਇਰਮੈਂਟ ਦੀ ਯੋਜਨਾਬੰਦੀ, ਬੱਚੇ ਦੀ ਸਿੱਖਿਆ, ਘਰ/ਕਾਰ ਜਾਂ ਕੋਈ ਹੋਰ ਜਾਇਦਾਦ ਦੀ ਖਰੀਦਦਾਰੀ। ਇਸ ਤੋਂ ਪਹਿਲਾਂ ਕਿ ਅਸੀਂ ਕੁਝ ਹੋਰ ਦੇਖੀਏਨਿਵੇਸ਼ ਦੇ ਲਾਭ ਇੱਕ SIP ਵਿੱਚ, ਆਓ ਨਿਵੇਸ਼ ਕਰਨ ਲਈ ਕੁਝ ਵਧੀਆ ਇਕੁਇਟੀ SIP ਫੰਡਾਂ ਦੀ ਜਾਂਚ ਕਰੀਏ।

ਇਕੁਇਟੀ ਫੰਡ 2022 ਲਈ ਵਧੀਆ SIP ਯੋਜਨਾਵਾਂ

ਵਧੀਆ ਲਾਰਜ ਕੈਪ ਇਕੁਇਟੀ SIP ਫੰਡ

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
JM Core 11 Fund Growth	₹20.2426 ↑ 0.30	₹279	500	8.1	1.8	2.6	14.2	14.1	-1.9
SBI Bluechip Fund Growth	₹94.1312 ↑ 0.85	₹53,527	500	3.6	-1.6	0.4	10.3	11.2	9.7
Indiabulls Blue Chip Fund Growth	₹43.05 ↑ 0.46	₹129	500	2	-1.8	-0.3	10.9	10.4	7.5
Nippon India Large Cap Fund Growth	₹90.1145 ↑ 0.90	₹51,660	100	2.3	-2.5	-1.3	13.1	15.2	9.2
ICICI Prudential Bluechip Fund Growth	₹109.1 ↑ 1.11	₹76,297	100	1.6	-4.1	-1.9	13.1	13.5	11.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Jul 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	JM Core 11 Fund	SBI Bluechip Fund	Indiabulls Blue Chip Fund	Nippon India Large Cap Fund	ICICI Prudential Bluechip Fund
Point 1	Bottom quartile AUM (₹279 Cr).	Upper mid AUM (₹53,527 Cr).	Bottom quartile AUM (₹129 Cr).	Lower mid AUM (₹51,660 Cr).	Highest AUM (₹76,297 Cr).
Point 2	Established history (18+ yrs).	Oldest track record among peers (20 yrs).	Established history (14+ yrs).	Established history (18+ yrs).	Established history (18+ yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 14.06% (upper mid).	5Y return: 11.22% (bottom quartile).	5Y return: 10.38% (bottom quartile).	5Y return: 15.24% (top quartile).	5Y return: 13.52% (lower mid).
Point 6	3Y return: 14.22% (top quartile).	3Y return: 10.28% (bottom quartile).	3Y return: 10.86% (bottom quartile).	3Y return: 13.13% (upper mid).	3Y return: 13.12% (lower mid).
Point 7	1Y return: 2.59% (top quartile).	1Y return: 0.41% (upper mid).	1Y return: -0.30% (lower mid).	1Y return: -1.27% (bottom quartile).	1Y return: -1.91% (bottom quartile).
Point 8	Alpha: -0.12 (bottom quartile).	Alpha: 2.05 (top quartile).	Alpha: 1.21 (upper mid).	Alpha: 0.46 (lower mid).	Alpha: -1.97 (bottom quartile).
Point 9	Sharpe: -0.23 (top quartile).	Sharpe: -0.26 (upper mid).	Sharpe: -0.28 (lower mid).	Sharpe: -0.35 (bottom quartile).	Sharpe: -0.48 (bottom quartile).
Point 10	Information ratio: 0.10 (lower mid).	Information ratio: -0.15 (bottom quartile).	Information ratio: -0.06 (bottom quartile).	Information ratio: 1.03 (top quartile).	Information ratio: 0.90 (upper mid).

JM Core 11 Fund

Bottom quartile AUM (₹279 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 14.06% (upper mid).
3Y return: 14.22% (top quartile).
1Y return: 2.59% (top quartile).
Alpha: -0.12 (bottom quartile).
Sharpe: -0.23 (top quartile).
Information ratio: 0.10 (lower mid).

SBI Bluechip Fund

Upper mid AUM (₹53,527 Cr).
Oldest track record among peers (20 yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 11.22% (bottom quartile).
3Y return: 10.28% (bottom quartile).
1Y return: 0.41% (upper mid).
Alpha: 2.05 (top quartile).
Sharpe: -0.26 (upper mid).
Information ratio: -0.15 (bottom quartile).

Indiabulls Blue Chip Fund

Bottom quartile AUM (₹129 Cr).
Established history (14+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 10.38% (bottom quartile).
3Y return: 10.86% (bottom quartile).
1Y return: -0.30% (lower mid).
Alpha: 1.21 (upper mid).
Sharpe: -0.28 (lower mid).
Information ratio: -0.06 (bottom quartile).

Nippon India Large Cap Fund

Lower mid AUM (₹51,660 Cr).
Established history (18+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.24% (top quartile).
3Y return: 13.13% (upper mid).
1Y return: -1.27% (bottom quartile).
Alpha: 0.46 (lower mid).
Sharpe: -0.35 (bottom quartile).
Information ratio: 1.03 (top quartile).

ICICI Prudential Bluechip Fund

Highest AUM (₹76,297 Cr).
Established history (18+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 13.52% (lower mid).
3Y return: 13.12% (lower mid).
1Y return: -1.91% (bottom quartile).
Alpha: -1.97 (bottom quartile).
Sharpe: -0.48 (bottom quartile).
Information ratio: 0.90 (upper mid).

ਵਧੀਆ ਲਾਰਜ ਅਤੇ ਮਿਡ ਕੈਪ ਇਕੁਇਟੀ SIP ਫੰਡ

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
Invesco India Growth Opportunities Fund Growth	₹110.01 ↑ 0.93	₹10,153	100	14.9	11.4	9	24.2	17.9	4.7
Kotak Equity Opportunities Fund Growth	₹354.599 ↑ 4.57	₹30,127	1,000	4.5	1.3	2.9	15.5	14.5	5.6
DSP Equity Opportunities Fund Growth	₹627.135 ↑ 7.33	₹17,370	500	3.6	-1.7	0.4	16.3	13.2	7.1
Bandhan Core Equity Fund Growth	₹141.028 ↑ 1.93	₹17,461	100	6.1	2.9	5.5	20.1	17.3	7.5
Edelweiss Large and Mid Cap Fund Growth	₹90.135 ↑ 1.24	₹4,557	1,000	5	1.5	2.9	15.4	13.5	4.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Jul 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Invesco India Growth Opportunities Fund	Kotak Equity Opportunities Fund	DSP Equity Opportunities Fund	Bandhan Core Equity Fund	Edelweiss Large and Mid Cap Fund
Point 1	Bottom quartile AUM (₹10,153 Cr).	Highest AUM (₹30,127 Cr).	Lower mid AUM (₹17,370 Cr).	Upper mid AUM (₹17,461 Cr).	Bottom quartile AUM (₹4,557 Cr).
Point 2	Established history (18+ yrs).	Established history (21+ yrs).	Oldest track record among peers (26 yrs).	Established history (20+ yrs).	Established history (19+ yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 5★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 17.87% (top quartile).	5Y return: 14.53% (lower mid).	5Y return: 13.16% (bottom quartile).	5Y return: 17.28% (upper mid).	5Y return: 13.46% (bottom quartile).
Point 6	3Y return: 24.15% (top quartile).	3Y return: 15.51% (bottom quartile).	3Y return: 16.31% (lower mid).	3Y return: 20.07% (upper mid).	3Y return: 15.42% (bottom quartile).
Point 7	1Y return: 8.97% (top quartile).	1Y return: 2.93% (lower mid).	1Y return: 0.43% (bottom quartile).	1Y return: 5.46% (upper mid).	1Y return: 2.88% (bottom quartile).
Point 8	Alpha: 2.71 (upper mid).	Alpha: -1.30 (bottom quartile).	Alpha: -4.38 (bottom quartile).	Alpha: 2.88 (top quartile).	Alpha: -0.20 (lower mid).
Point 9	Sharpe: 0.07 (upper mid).	Sharpe: -0.14 (bottom quartile).	Sharpe: -0.33 (bottom quartile).	Sharpe: 0.10 (top quartile).	Sharpe: -0.07 (lower mid).
Point 10	Information ratio: 0.87 (upper mid).	Information ratio: -0.30 (bottom quartile).	Information ratio: 0.03 (lower mid).	Information ratio: 1.61 (top quartile).	Information ratio: -0.28 (bottom quartile).

Invesco India Growth Opportunities Fund

Bottom quartile AUM (₹10,153 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 17.87% (top quartile).
3Y return: 24.15% (top quartile).
1Y return: 8.97% (top quartile).
Alpha: 2.71 (upper mid).
Sharpe: 0.07 (upper mid).
Information ratio: 0.87 (upper mid).

Kotak Equity Opportunities Fund

Highest AUM (₹30,127 Cr).
Established history (21+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 14.53% (lower mid).
3Y return: 15.51% (bottom quartile).
1Y return: 2.93% (lower mid).
Alpha: -1.30 (bottom quartile).
Sharpe: -0.14 (bottom quartile).
Information ratio: -0.30 (bottom quartile).

DSP Equity Opportunities Fund

Lower mid AUM (₹17,370 Cr).
Oldest track record among peers (26 yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately High.
5Y return: 13.16% (bottom quartile).
3Y return: 16.31% (lower mid).
1Y return: 0.43% (bottom quartile).
Alpha: -4.38 (bottom quartile).
Sharpe: -0.33 (bottom quartile).
Information ratio: 0.03 (lower mid).

Bandhan Core Equity Fund

Upper mid AUM (₹17,461 Cr).
Established history (20+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.28% (upper mid).
3Y return: 20.07% (upper mid).
1Y return: 5.46% (upper mid).
Alpha: 2.88 (top quartile).
Sharpe: 0.10 (top quartile).
Information ratio: 1.61 (top quartile).

Edelweiss Large and Mid Cap Fund

Bottom quartile AUM (₹4,557 Cr).
Established history (19+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 13.46% (bottom quartile).
3Y return: 15.42% (bottom quartile).
1Y return: 2.88% (bottom quartile).
Alpha: -0.20 (lower mid).
Sharpe: -0.07 (lower mid).
Information ratio: -0.28 (bottom quartile).

ਸਰਬੋਤਮ ਮਿਡ ਕੈਪ ਇਕੁਇਟੀ SIP ਫੰਡ

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
Sundaram Mid Cap Fund Growth	₹1,499.55 ↑ 21.84	₹13,687	100	8.3	6.2	8.2	22	18.3	4.1
Kotak Emerging Equity Scheme Growth	₹147.168 ↑ 2.16	₹64,749	1,000	10.4	8.9	8	20.7	17.5	1.8
Taurus Discovery (Midcap) Fund Growth	₹120.34 ↑ 1.34	₹125	1,000	7.2	1.9	-3.9	11.3	11.6	0.8
BNP Paribas Mid Cap Fund Growth	₹112.262 ↑ 1.57	₹2,461	300	8.3	8.3	11.1	19.7	15.9	2.5
Edelweiss Mid Cap Fund Growth	₹108.565 ↑ 1.37	₹16,849	500	8.4	5.7	6.5	23.3	18.6	3.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Jul 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Sundaram Mid Cap Fund	Kotak Emerging Equity Scheme	Taurus Discovery (Midcap) Fund	BNP Paribas Mid Cap Fund	Edelweiss Mid Cap Fund
Point 1	Lower mid AUM (₹13,687 Cr).	Highest AUM (₹64,749 Cr).	Bottom quartile AUM (₹125 Cr).	Bottom quartile AUM (₹2,461 Cr).	Upper mid AUM (₹16,849 Cr).
Point 2	Established history (23+ yrs).	Established history (19+ yrs).	Oldest track record among peers (31 yrs).	Established history (20+ yrs).	Established history (18+ yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 18.32% (upper mid).	5Y return: 17.51% (lower mid).	5Y return: 11.61% (bottom quartile).	5Y return: 15.88% (bottom quartile).	5Y return: 18.64% (top quartile).
Point 6	3Y return: 22.00% (upper mid).	3Y return: 20.71% (lower mid).	3Y return: 11.30% (bottom quartile).	3Y return: 19.74% (bottom quartile).	3Y return: 23.29% (top quartile).
Point 7	1Y return: 8.24% (upper mid).	1Y return: 8.01% (lower mid).	1Y return: -3.94% (bottom quartile).	1Y return: 11.08% (top quartile).	1Y return: 6.50% (bottom quartile).
Point 8	Alpha: -0.11 (bottom quartile).	Alpha: 0.18 (lower mid).	Alpha: -9.74 (bottom quartile).	Alpha: 2.64 (top quartile).	Alpha: 0.35 (upper mid).
Point 9	Sharpe: 0.17 (bottom quartile).	Sharpe: 0.18 (lower mid).	Sharpe: -0.32 (bottom quartile).	Sharpe: 0.34 (top quartile).	Sharpe: 0.19 (upper mid).
Point 10	Information ratio: 0.23 (upper mid).	Information ratio: -0.33 (lower mid).	Information ratio: -2.03 (bottom quartile).	Information ratio: -0.33 (bottom quartile).	Information ratio: 0.30 (top quartile).

Sundaram Mid Cap Fund

Lower mid AUM (₹13,687 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 18.32% (upper mid).
3Y return: 22.00% (upper mid).
1Y return: 8.24% (upper mid).
Alpha: -0.11 (bottom quartile).
Sharpe: 0.17 (bottom quartile).
Information ratio: 0.23 (upper mid).

Kotak Emerging Equity Scheme

Highest AUM (₹64,749 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.51% (lower mid).
3Y return: 20.71% (lower mid).
1Y return: 8.01% (lower mid).
Alpha: 0.18 (lower mid).
Sharpe: 0.18 (lower mid).
Information ratio: -0.33 (lower mid).

Taurus Discovery (Midcap) Fund

Bottom quartile AUM (₹125 Cr).
Oldest track record among peers (31 yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 11.61% (bottom quartile).
3Y return: 11.30% (bottom quartile).
1Y return: -3.94% (bottom quartile).
Alpha: -9.74 (bottom quartile).
Sharpe: -0.32 (bottom quartile).
Information ratio: -2.03 (bottom quartile).

BNP Paribas Mid Cap Fund

Bottom quartile AUM (₹2,461 Cr).
Established history (20+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 15.88% (bottom quartile).
3Y return: 19.74% (bottom quartile).
1Y return: 11.08% (top quartile).
Alpha: 2.64 (top quartile).
Sharpe: 0.34 (top quartile).
Information ratio: -0.33 (bottom quartile).

Edelweiss Mid Cap Fund

Upper mid AUM (₹16,849 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 18.64% (top quartile).
3Y return: 23.29% (top quartile).
1Y return: 6.50% (bottom quartile).
Alpha: 0.35 (upper mid).
Sharpe: 0.19 (upper mid).
Information ratio: 0.30 (top quartile).

ਵਧੀਆ ਸਮਾਲ ਕੈਪ ਇਕੁਇਟੀ SIP ਫੰਡ

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
Aditya Birla Sun Life Small Cap Fund Growth	₹96.2577 ↑ 1.14	₹5,453	1,000	15.6	15.6	9.8	16.9	13.1	-3.7
SBI Small Cap Fund Growth	₹180.629 ↑ 1.33	₹37,395	500	12.6	10.9	2.5	13.3	14	-4.9
DSP Small Cap Fund Growth	₹222.601 ↑ 2.22	₹18,358	500	14.6	15.8	9.8	19.2	18.1	-2.8
Nippon India Small Cap Fund Growth	₹181.682 ↑ 2.43	₹74,604	100	13	12.2	4.7	18.1	19.7	-4.7
Franklin India Smaller Companies Fund Growth	₹179.776 ↑ 3.30	₹13,847	500	12.6	10.4	1.6	16.6	17.3	-8.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Jul 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Small Cap Fund	SBI Small Cap Fund	DSP Small Cap Fund	Nippon India Small Cap Fund	Franklin India Smaller Companies Fund
Point 1	Bottom quartile AUM (₹5,453 Cr).	Upper mid AUM (₹37,395 Cr).	Lower mid AUM (₹18,358 Cr).	Highest AUM (₹74,604 Cr).	Bottom quartile AUM (₹13,847 Cr).
Point 2	Established history (19+ yrs).	Established history (16+ yrs).	Established history (19+ yrs).	Established history (15+ yrs).	Oldest track record among peers (20 yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 13.06% (bottom quartile).	5Y return: 14.00% (bottom quartile).	5Y return: 18.08% (upper mid).	5Y return: 19.67% (top quartile).	5Y return: 17.32% (lower mid).
Point 6	3Y return: 16.93% (lower mid).	3Y return: 13.31% (bottom quartile).	3Y return: 19.22% (top quartile).	3Y return: 18.13% (upper mid).	3Y return: 16.56% (bottom quartile).
Point 7	1Y return: 9.77% (top quartile).	1Y return: 2.51% (bottom quartile).	1Y return: 9.76% (upper mid).	1Y return: 4.70% (lower mid).	1Y return: 1.59% (bottom quartile).
Point 8	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 2.35 (top quartile).	Alpha: -2.10 (bottom quartile).
Point 9	Sharpe: 0.23 (top quartile).	Sharpe: -0.22 (bottom quartile).	Sharpe: 0.13 (upper mid).	Sharpe: 0.05 (lower mid).	Sharpe: -0.15 (bottom quartile).
Point 10	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: -0.24 (bottom quartile).	Information ratio: -0.62 (bottom quartile).

Aditya Birla Sun Life Small Cap Fund

Bottom quartile AUM (₹5,453 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 13.06% (bottom quartile).
3Y return: 16.93% (lower mid).
1Y return: 9.77% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.23 (top quartile).
Information ratio: 0.00 (top quartile).

SBI Small Cap Fund

Upper mid AUM (₹37,395 Cr).
Established history (16+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 14.00% (bottom quartile).
3Y return: 13.31% (bottom quartile).
1Y return: 2.51% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.22 (bottom quartile).
Information ratio: 0.00 (upper mid).

DSP Small Cap Fund

Lower mid AUM (₹18,358 Cr).
Established history (19+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 18.08% (upper mid).
3Y return: 19.22% (top quartile).
1Y return: 9.76% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.13 (upper mid).
Information ratio: 0.00 (lower mid).

Nippon India Small Cap Fund

Highest AUM (₹74,604 Cr).
Established history (15+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.67% (top quartile).
3Y return: 18.13% (upper mid).
1Y return: 4.70% (lower mid).
Alpha: 2.35 (top quartile).
Sharpe: 0.05 (lower mid).
Information ratio: -0.24 (bottom quartile).

Franklin India Smaller Companies Fund

Bottom quartile AUM (₹13,847 Cr).
Oldest track record among peers (20 yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.32% (lower mid).
3Y return: 16.56% (bottom quartile).
1Y return: 1.59% (bottom quartile).
Alpha: -2.10 (bottom quartile).
Sharpe: -0.15 (bottom quartile).
Information ratio: -0.62 (bottom quartile).

ਸਰਬੋਤਮ ਮਲਟੀ ਕੈਪ ਇਕੁਇਟੀ SIP ਫੰਡ

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
Kotak Standard Multicap Fund Growth	₹86.033 ↑ 1.01	₹54,801	500	3	-0.6	-0.4	13.5	12	9.5
Mirae Asset India Equity Fund Growth	₹112.467 ↑ 1.15	₹37,692	1,000	4	-2.9	-1.2	9.9	9.5	10.2
Motilal Oswal Multicap 35 Fund Growth	₹59.7947 ↑ 0.79	₹12,937	500	7.9	-1	-4.9	19	12.1	-5.6
BNP Paribas Multi Cap Fund Growth	₹73.5154 ↓ -0.01	₹588	300	-4.6	-2.6	19.3	17.3	13.6
Aditya Birla Sun Life Equity Fund Growth	₹1,918.97 ↑ 18.39	₹26,032	100	6.6	3.1	6.3	16	12.5	11.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Jul 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Kotak Standard Multicap Fund	Mirae Asset India Equity Fund	Motilal Oswal Multicap 35 Fund	BNP Paribas Multi Cap Fund	Aditya Birla Sun Life Equity Fund
Point 1	Highest AUM (₹54,801 Cr).	Upper mid AUM (₹37,692 Cr).	Bottom quartile AUM (₹12,937 Cr).	Bottom quartile AUM (₹588 Cr).	Lower mid AUM (₹26,032 Cr).
Point 2	Established history (16+ yrs).	Established history (18+ yrs).	Established history (12+ yrs).	Established history (20+ yrs).	Oldest track record among peers (27 yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 5★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 12.01% (bottom quartile).	5Y return: 9.45% (bottom quartile).	5Y return: 12.07% (lower mid).	5Y return: 13.57% (top quartile).	5Y return: 12.54% (upper mid).
Point 6	3Y return: 13.51% (bottom quartile).	3Y return: 9.87% (bottom quartile).	3Y return: 19.00% (top quartile).	3Y return: 17.28% (upper mid).	3Y return: 15.98% (lower mid).
Point 7	1Y return: -0.39% (lower mid).	1Y return: -1.17% (bottom quartile).	1Y return: -4.86% (bottom quartile).	1Y return: 19.34% (top quartile).	1Y return: 6.31% (upper mid).
Point 8	Alpha: -0.62 (lower mid).	Alpha: -0.89 (bottom quartile).	Alpha: -5.87 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 4.07 (top quartile).
Point 9	Sharpe: -0.24 (lower mid).	Sharpe: -0.40 (bottom quartile).	Sharpe: -0.52 (bottom quartile).	Sharpe: 2.86 (top quartile).	Sharpe: 0.04 (upper mid).
Point 10	Information ratio: -0.05 (bottom quartile).	Information ratio: -0.60 (bottom quartile).	Information ratio: 0.47 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 1.20 (top quartile).

Kotak Standard Multicap Fund

Highest AUM (₹54,801 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 12.01% (bottom quartile).
3Y return: 13.51% (bottom quartile).
1Y return: -0.39% (lower mid).
Alpha: -0.62 (lower mid).
Sharpe: -0.24 (lower mid).
Information ratio: -0.05 (bottom quartile).

Mirae Asset India Equity Fund

Upper mid AUM (₹37,692 Cr).
Established history (18+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 9.45% (bottom quartile).
3Y return: 9.87% (bottom quartile).
1Y return: -1.17% (bottom quartile).
Alpha: -0.89 (bottom quartile).
Sharpe: -0.40 (bottom quartile).
Information ratio: -0.60 (bottom quartile).

Motilal Oswal Multicap 35 Fund

Bottom quartile AUM (₹12,937 Cr).
Established history (12+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately High.
5Y return: 12.07% (lower mid).
3Y return: 19.00% (top quartile).
1Y return: -4.86% (bottom quartile).
Alpha: -5.87 (bottom quartile).
Sharpe: -0.52 (bottom quartile).
Information ratio: 0.47 (upper mid).

BNP Paribas Multi Cap Fund

Bottom quartile AUM (₹588 Cr).
Established history (20+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 13.57% (top quartile).
3Y return: 17.28% (upper mid).
1Y return: 19.34% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 2.86 (top quartile).
Information ratio: 0.00 (lower mid).

Aditya Birla Sun Life Equity Fund

Lower mid AUM (₹26,032 Cr).
Oldest track record among peers (27 yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 12.54% (upper mid).
3Y return: 15.98% (lower mid).
1Y return: 6.31% (upper mid).
Alpha: 4.07 (top quartile).
Sharpe: 0.04 (upper mid).
Information ratio: 1.20 (top quartile).

ਸਰਬੋਤਮ ਸੈਕਟਰ ਇਕੁਇਟੀ SIP ਫੰਡ

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
DSP Natural Resources and New Energy Fund Growth	₹105.124 ↑ 0.39	₹2,457	500	-2.5	5.9	16.8	20.3	15.5	17.5
Aditya Birla Sun Life Banking And Financial Services Fund Growth	₹64.48 ↑ 0.98	₹3,466	1,000	5.4	0.7	3.8	12.2	12.2	17.5
Franklin Build India Fund Growth	₹147.829 ↑ 2.09	₹3,160	500	2.9	5.4	2.8	21.7	20.6	3.7
ICICI Prudential Banking and Financial Services Fund Growth	₹134.19 ↑ 2.04	₹10,643	100	4.5	-2.8	-1	11	10.5	15.9
Bandhan Infrastructure Fund Growth	₹50.502 ↑ 0.63	₹1,495	100	9.7	7.7	-2.5	19.4	17.8	-6.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Jul 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP Natural Resources and New Energy Fund	Aditya Birla Sun Life Banking And Financial Services Fund	Franklin Build India Fund	ICICI Prudential Banking and Financial Services Fund	Bandhan Infrastructure Fund
Point 1	Bottom quartile AUM (₹2,457 Cr).	Upper mid AUM (₹3,466 Cr).	Lower mid AUM (₹3,160 Cr).	Highest AUM (₹10,643 Cr).	Bottom quartile AUM (₹1,495 Cr).
Point 2	Oldest track record among peers (18 yrs).	Established history (12+ yrs).	Established history (16+ yrs).	Established history (17+ yrs).	Established history (15+ yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 5★ (lower mid).	Rating: 5★ (bottom quartile).	Rating: 5★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 15.52% (lower mid).	5Y return: 12.16% (bottom quartile).	5Y return: 20.65% (top quartile).	5Y return: 10.49% (bottom quartile).	5Y return: 17.77% (upper mid).
Point 6	3Y return: 20.26% (upper mid).	3Y return: 12.24% (bottom quartile).	3Y return: 21.70% (top quartile).	3Y return: 11.00% (bottom quartile).	3Y return: 19.44% (lower mid).
Point 7	1Y return: 16.80% (top quartile).	1Y return: 3.85% (upper mid).	1Y return: 2.79% (lower mid).	1Y return: -1.05% (bottom quartile).	1Y return: -2.45% (bottom quartile).
Point 8	Alpha: 0.00 (upper mid).	Alpha: 3.78 (top quartile).	Alpha: 0.00 (lower mid).	Alpha: -2.48 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 9	Sharpe: 1.33 (top quartile).	Sharpe: -0.15 (lower mid).	Sharpe: 0.01 (upper mid).	Sharpe: -0.46 (bottom quartile).	Sharpe: -0.26 (bottom quartile).
Point 10	Information ratio: 0.00 (lower mid).	Information ratio: 0.28 (top quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.01 (upper mid).	Information ratio: 0.00 (bottom quartile).

DSP Natural Resources and New Energy Fund

Bottom quartile AUM (₹2,457 Cr).
Oldest track record among peers (18 yrs).
Top rated.
Risk profile: High.
5Y return: 15.52% (lower mid).
3Y return: 20.26% (upper mid).
1Y return: 16.80% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 1.33 (top quartile).
Information ratio: 0.00 (lower mid).

Aditya Birla Sun Life Banking And Financial Services Fund

Upper mid AUM (₹3,466 Cr).
Established history (12+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 12.16% (bottom quartile).
3Y return: 12.24% (bottom quartile).
1Y return: 3.85% (upper mid).
Alpha: 3.78 (top quartile).
Sharpe: -0.15 (lower mid).
Information ratio: 0.28 (top quartile).

Franklin Build India Fund

Lower mid AUM (₹3,160 Cr).
Established history (16+ yrs).
Rating: 5★ (lower mid).
Risk profile: High.
5Y return: 20.65% (top quartile).
3Y return: 21.70% (top quartile).
1Y return: 2.79% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.01 (upper mid).
Information ratio: 0.00 (bottom quartile).

ICICI Prudential Banking and Financial Services Fund

Highest AUM (₹10,643 Cr).
Established history (17+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: High.
5Y return: 10.49% (bottom quartile).
3Y return: 11.00% (bottom quartile).
1Y return: -1.05% (bottom quartile).
Alpha: -2.48 (bottom quartile).
Sharpe: -0.46 (bottom quartile).
Information ratio: 0.01 (upper mid).

Bandhan Infrastructure Fund

Bottom quartile AUM (₹1,495 Cr).
Established history (15+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: High.
5Y return: 17.77% (upper mid).
3Y return: 19.44% (lower mid).
1Y return: -2.45% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.26 (bottom quartile).
Information ratio: 0.00 (bottom quartile).

ਵਧੀਆ ELSS SIP ਫੰਡ

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
Tata India Tax Savings Fund Growth	₹46.6493 ↑ 0.48	₹4,516	500	5.5	3	4.1	14	13.4	4.9
Bandhan Tax Advantage (ELSS) Fund Growth	₹154.625 ↑ 1.32	₹6,767	500	4.1	-0.5	0.8	11.1	12.3	8
Aditya Birla Sun Life Tax Relief '96 Growth	₹62.08 ↑ 0.65	₹14,249	500	4.9	0.3	2.2	12.8	9.3	9.3
DSP Tax Saver Fund Growth	₹139.824 ↑ 1.58	₹16,156	500	3.3	-2.6	-1	15.6	13.4	7.5
HDFC Long Term Advantage Fund Growth	₹595.168 ↑ 0.28	₹1,318	500	1.2	15.4	35.5	20.6	17.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Jul 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Tata India Tax Savings Fund	Bandhan Tax Advantage (ELSS) Fund	Aditya Birla Sun Life Tax Relief '96	DSP Tax Saver Fund	HDFC Long Term Advantage Fund
Point 1	Bottom quartile AUM (₹4,516 Cr).	Lower mid AUM (₹6,767 Cr).	Upper mid AUM (₹14,249 Cr).	Highest AUM (₹16,156 Cr).	Bottom quartile AUM (₹1,318 Cr).
Point 2	Established history (11+ yrs).	Established history (17+ yrs).	Established history (18+ yrs).	Established history (19+ yrs).	Oldest track record among peers (25 yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 13.44% (upper mid).	5Y return: 12.33% (bottom quartile).	5Y return: 9.27% (bottom quartile).	5Y return: 13.41% (lower mid).	5Y return: 17.39% (top quartile).
Point 6	3Y return: 14.03% (lower mid).	3Y return: 11.08% (bottom quartile).	3Y return: 12.77% (bottom quartile).	3Y return: 15.59% (upper mid).	3Y return: 20.64% (top quartile).
Point 7	1Y return: 4.13% (upper mid).	1Y return: 0.75% (bottom quartile).	1Y return: 2.17% (lower mid).	1Y return: -1.05% (bottom quartile).	1Y return: 35.51% (top quartile).
Point 8	Alpha: 3.02 (top quartile).	Alpha: -0.53 (bottom quartile).	Alpha: 0.39 (lower mid).	Alpha: -3.11 (bottom quartile).	Alpha: 1.75 (upper mid).
Point 9	Sharpe: -0.04 (upper mid).	Sharpe: -0.26 (bottom quartile).	Sharpe: -0.18 (lower mid).	Sharpe: -0.38 (bottom quartile).	Sharpe: 2.27 (top quartile).
Point 10	Information ratio: 0.21 (upper mid).	Information ratio: -0.60 (bottom quartile).	Information ratio: -0.22 (bottom quartile).	Information ratio: 0.60 (top quartile).	Information ratio: -0.15 (lower mid).

Tata India Tax Savings Fund

Bottom quartile AUM (₹4,516 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 13.44% (upper mid).
3Y return: 14.03% (lower mid).
1Y return: 4.13% (upper mid).
Alpha: 3.02 (top quartile).
Sharpe: -0.04 (upper mid).
Information ratio: 0.21 (upper mid).

Bandhan Tax Advantage (ELSS) Fund

Lower mid AUM (₹6,767 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 12.33% (bottom quartile).
3Y return: 11.08% (bottom quartile).
1Y return: 0.75% (bottom quartile).
Alpha: -0.53 (bottom quartile).
Sharpe: -0.26 (bottom quartile).
Information ratio: -0.60 (bottom quartile).

Aditya Birla Sun Life Tax Relief '96

Upper mid AUM (₹14,249 Cr).
Established history (18+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 9.27% (bottom quartile).
3Y return: 12.77% (bottom quartile).
1Y return: 2.17% (lower mid).
Alpha: 0.39 (lower mid).
Sharpe: -0.18 (lower mid).
Information ratio: -0.22 (bottom quartile).

DSP Tax Saver Fund

Highest AUM (₹16,156 Cr).
Established history (19+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 13.41% (lower mid).
3Y return: 15.59% (upper mid).
1Y return: -1.05% (bottom quartile).
Alpha: -3.11 (bottom quartile).
Sharpe: -0.38 (bottom quartile).
Information ratio: 0.60 (top quartile).

HDFC Long Term Advantage Fund

Bottom quartile AUM (₹1,318 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.39% (top quartile).
3Y return: 20.64% (top quartile).
1Y return: 35.51% (top quartile).
Alpha: 1.75 (upper mid).
Sharpe: 2.27 (top quartile).
Information ratio: -0.15 (lower mid).

ਵਧੀਆ ਮੁੱਲ ਇਕੁਇਟੀ SIP ਫੰਡ

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
Tata Equity PE Fund Growth	₹350.348 ↑ 3.81	₹8,346	150	2.3	-1.5	-1.3	14	14.9	3.7
JM Value Fund Growth	₹94.5987 ↑ 1.07	₹805	500	6.4	1.4	-5.6	14.7	15.6	-4.4
Aditya Birla Sun Life Pure Value Fund Growth	₹136.064 ↑ 1.69	₹6,530	1,000	9.2	6.7	7.6	17.6	15	2.6
HDFC Capital Builder Value Fund Growth	₹784.089 ↑ 8.93	₹7,314	300	6.9	2.7	4.1	17.2	15.2	8.6
Bandhan Sterling Value Fund Growth	₹147.319 ↑ 1.30	₹9,823	100	3.8	-1.2	-1.2	12	13.8	5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Jul 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Tata Equity PE Fund	JM Value Fund	Aditya Birla Sun Life Pure Value Fund	HDFC Capital Builder Value Fund	Bandhan Sterling Value Fund
Point 1	Upper mid AUM (₹8,346 Cr).	Bottom quartile AUM (₹805 Cr).	Bottom quartile AUM (₹6,530 Cr).	Lower mid AUM (₹7,314 Cr).	Highest AUM (₹9,823 Cr).
Point 2	Established history (22+ yrs).	Established history (29+ yrs).	Established history (18+ yrs).	Oldest track record among peers (32 yrs).	Established history (18+ yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 14.86% (bottom quartile).	5Y return: 15.55% (top quartile).	5Y return: 15.02% (lower mid).	5Y return: 15.18% (upper mid).	5Y return: 13.76% (bottom quartile).
Point 6	3Y return: 13.97% (bottom quartile).	3Y return: 14.68% (lower mid).	3Y return: 17.61% (top quartile).	3Y return: 17.16% (upper mid).	3Y return: 11.98% (bottom quartile).
Point 7	1Y return: -1.31% (bottom quartile).	1Y return: -5.59% (bottom quartile).	1Y return: 7.59% (top quartile).	1Y return: 4.14% (upper mid).	1Y return: -1.24% (lower mid).
Point 8	Alpha: -1.12 (lower mid).	Alpha: -5.51 (bottom quartile).	Alpha: 6.66 (top quartile).	Alpha: 2.21 (upper mid).	Alpha: -2.02 (bottom quartile).
Point 9	Sharpe: -0.27 (lower mid).	Sharpe: -0.48 (bottom quartile).	Sharpe: 0.14 (top quartile).	Sharpe: -0.08 (upper mid).	Sharpe: -0.35 (bottom quartile).
Point 10	Information ratio: 0.34 (lower mid).	Information ratio: 0.30 (bottom quartile).	Information ratio: 0.75 (upper mid).	Information ratio: 1.34 (top quartile).	Information ratio: -0.20 (bottom quartile).

Tata Equity PE Fund

Upper mid AUM (₹8,346 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 14.86% (bottom quartile).
3Y return: 13.97% (bottom quartile).
1Y return: -1.31% (bottom quartile).
Alpha: -1.12 (lower mid).
Sharpe: -0.27 (lower mid).
Information ratio: 0.34 (lower mid).

JM Value Fund

Bottom quartile AUM (₹805 Cr).
Established history (29+ yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 15.55% (top quartile).
3Y return: 14.68% (lower mid).
1Y return: -5.59% (bottom quartile).
Alpha: -5.51 (bottom quartile).
Sharpe: -0.48 (bottom quartile).
Information ratio: 0.30 (bottom quartile).

Aditya Birla Sun Life Pure Value Fund

Bottom quartile AUM (₹6,530 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 15.02% (lower mid).
3Y return: 17.61% (top quartile).
1Y return: 7.59% (top quartile).
Alpha: 6.66 (top quartile).
Sharpe: 0.14 (top quartile).
Information ratio: 0.75 (upper mid).

HDFC Capital Builder Value Fund

Lower mid AUM (₹7,314 Cr).
Oldest track record among peers (32 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.18% (upper mid).
3Y return: 17.16% (upper mid).
1Y return: 4.14% (upper mid).
Alpha: 2.21 (upper mid).
Sharpe: -0.08 (upper mid).
Information ratio: 1.34 (top quartile).

Bandhan Sterling Value Fund

Highest AUM (₹9,823 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 13.76% (bottom quartile).
3Y return: 11.98% (bottom quartile).
1Y return: -1.24% (lower mid).
Alpha: -2.02 (bottom quartile).
Sharpe: -0.35 (bottom quartile).
Information ratio: -0.20 (bottom quartile).

ਸਰਬੋਤਮ ਫੋਕਸਡ ਇਕੁਇਟੀ SIP ਫੰਡ

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
Axis Focused 25 Fund Growth	₹54.1 ↑ 0.42	₹10,666	500	6.9	0.3	-2.9	8.7	5.3	2.5
Aditya Birla Sun Life Focused Equity Fund Growth	₹146.286 ↑ 1.79	₹7,732	1,000	4.2	-1.4	2.4	13.9	12.1	10.1
Sundaram Select Focus Fund Growth	₹264.968 ↓ -1.18	₹1,354	100	-5	8.5	24.5	17	17.3
Motilal Oswal Focused 25 Fund Growth	₹49.7076 ↑ 0.50	₹1,557	500	16.5	14.1	13.8	12.1	9.6	-1.7
HDFC Focused 30 Fund Growth	₹233.327 ↑ 2.14	₹26,082	300	3.3	-1.9	1.2	16.9	18.9	10.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Jul 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Axis Focused 25 Fund	Aditya Birla Sun Life Focused Equity Fund	Sundaram Select Focus Fund	Motilal Oswal Focused 25 Fund	HDFC Focused 30 Fund
Point 1	Upper mid AUM (₹10,666 Cr).	Lower mid AUM (₹7,732 Cr).	Bottom quartile AUM (₹1,354 Cr).	Bottom quartile AUM (₹1,557 Cr).	Highest AUM (₹26,082 Cr).
Point 2	Established history (14+ yrs).	Established history (20+ yrs).	Oldest track record among peers (23 yrs).	Established history (13+ yrs).	Established history (21+ yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 5.31% (bottom quartile).	5Y return: 12.09% (lower mid).	5Y return: 17.29% (upper mid).	5Y return: 9.57% (bottom quartile).	5Y return: 18.87% (top quartile).
Point 6	3Y return: 8.73% (bottom quartile).	3Y return: 13.92% (lower mid).	3Y return: 17.03% (top quartile).	3Y return: 12.14% (bottom quartile).	3Y return: 16.86% (upper mid).
Point 7	1Y return: -2.91% (bottom quartile).	1Y return: 2.41% (lower mid).	1Y return: 24.49% (top quartile).	1Y return: 13.79% (upper mid).	1Y return: 1.16% (bottom quartile).
Point 8	Alpha: -6.68 (bottom quartile).	Alpha: 0.09 (upper mid).	Alpha: -5.62 (bottom quartile).	Alpha: 6.10 (top quartile).	Alpha: -3.45 (lower mid).
Point 9	Sharpe: -0.60 (bottom quartile).	Sharpe: -0.19 (lower mid).	Sharpe: 1.85 (top quartile).	Sharpe: 0.14 (upper mid).	Sharpe: -0.41 (bottom quartile).
Point 10	Information ratio: -1.12 (bottom quartile).	Information ratio: 0.06 (upper mid).	Information ratio: -0.52 (bottom quartile).	Information ratio: -0.34 (lower mid).	Information ratio: 0.53 (top quartile).

Axis Focused 25 Fund

Upper mid AUM (₹10,666 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 5.31% (bottom quartile).
3Y return: 8.73% (bottom quartile).
1Y return: -2.91% (bottom quartile).
Alpha: -6.68 (bottom quartile).
Sharpe: -0.60 (bottom quartile).
Information ratio: -1.12 (bottom quartile).

Aditya Birla Sun Life Focused Equity Fund

Lower mid AUM (₹7,732 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 12.09% (lower mid).
3Y return: 13.92% (lower mid).
1Y return: 2.41% (lower mid).
Alpha: 0.09 (upper mid).
Sharpe: -0.19 (lower mid).
Information ratio: 0.06 (upper mid).

Sundaram Select Focus Fund

Bottom quartile AUM (₹1,354 Cr).
Oldest track record among peers (23 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 17.29% (upper mid).
3Y return: 17.03% (top quartile).
1Y return: 24.49% (top quartile).
Alpha: -5.62 (bottom quartile).
Sharpe: 1.85 (top quartile).
Information ratio: -0.52 (bottom quartile).

Motilal Oswal Focused 25 Fund

Bottom quartile AUM (₹1,557 Cr).
Established history (13+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 9.57% (bottom quartile).
3Y return: 12.14% (bottom quartile).
1Y return: 13.79% (upper mid).
Alpha: 6.10 (top quartile).
Sharpe: 0.14 (upper mid).
Information ratio: -0.34 (lower mid).

HDFC Focused 30 Fund

Highest AUM (₹26,082 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 18.87% (top quartile).
3Y return: 16.86% (upper mid).
1Y return: 1.16% (bottom quartile).
Alpha: -3.45 (lower mid).
Sharpe: -0.41 (bottom quartile).
Information ratio: 0.53 (top quartile).

ਇਕੁਇਟੀ ਫੰਡਾਂ 'ਤੇ ਟੈਕਸ

ਬਜਟ 2018 ਦੇ ਭਾਸ਼ਣ ਦੇ ਅਨੁਸਾਰ, ਇੱਕ ਨਵੀਂ ਲੰਬੀ ਮਿਆਦਪੂੰਜੀ ਇਕੁਇਟੀ ਓਰੀਐਂਟਿਡ 'ਤੇ ਲਾਭ (LTCG) ਟੈਕਸਮਿਉਚੁਅਲ ਫੰਡ ਅਤੇ ਸਟਾਕ 1 ਅਪ੍ਰੈਲ ਤੋਂ ਲਾਗੂ ਹੋਣਗੇ। ਵਿੱਤ ਬਿੱਲ 2018 14 ਮਾਰਚ 2018 ਨੂੰ ਲੋਕ ਸਭਾ ਵਿੱਚ ਜ਼ੁਬਾਨੀ ਵੋਟ ਦੁਆਰਾ ਪਾਸ ਕੀਤਾ ਗਿਆ ਸੀ। ਇਹ ਹੈ ਨਵਾਂ ਕਿਵੇਂਆਮਦਨ ਟੈਕਸ ਤਬਦੀਲੀਆਂ 1 ਅਪ੍ਰੈਲ 2018 ਤੋਂ ਇਕੁਇਟੀ ਨਿਵੇਸ਼ਾਂ ਨੂੰ ਪ੍ਰਭਾਵਤ ਕਰਨਗੀਆਂ। *

1. ਲੰਬੀ ਮਿਆਦ ਦੇ ਪੂੰਜੀ ਲਾਭ

ਤੋਂ ਪੈਦਾ ਹੋਏ INR 1 ਲੱਖ ਤੋਂ ਵੱਧ ਦੇ LTCGsਛੁਟਕਾਰਾ 1 ਅਪ੍ਰੈਲ 2018 ਨੂੰ ਜਾਂ ਇਸ ਤੋਂ ਬਾਅਦ ਮਿਉਚੁਅਲ ਫੰਡ ਯੂਨਿਟਾਂ ਜਾਂ ਇਕੁਇਟੀਜ਼ 'ਤੇ 10 ਪ੍ਰਤੀਸ਼ਤ (ਪਲੱਸ ਸੈੱਸ) ਜਾਂ 10.4 ਪ੍ਰਤੀਸ਼ਤ ਟੈਕਸ ਲਗਾਇਆ ਜਾਵੇਗਾ। ਲੰਮਾ ਸਮਾਂਪੂੰਜੀ ਲਾਭ INR 1 ਲੱਖ ਤੱਕ ਛੋਟ ਹੋਵੇਗੀ। ਉਦਾਹਰਨ ਲਈ, ਜੇਕਰ ਤੁਸੀਂ ਇੱਕ ਵਿੱਤੀ ਸਾਲ ਵਿੱਚ ਸਟਾਕਾਂ ਜਾਂ ਮਿਉਚੁਅਲ ਫੰਡ ਨਿਵੇਸ਼ਾਂ ਤੋਂ ਸੰਯੁਕਤ ਲੰਬੇ ਸਮੇਂ ਦੇ ਪੂੰਜੀ ਲਾਭ ਵਿੱਚ INR 3 ਲੱਖ ਕਮਾਉਂਦੇ ਹੋ। ਟੈਕਸਯੋਗ LTCGs INR 2 ਲੱਖ (INR 3 ਲੱਖ - 1 ਲੱਖ) ਅਤੇਟੈਕਸ ਦੇਣਦਾਰੀ 20 ਰੁਪਏ ਹੋਵੇਗਾ,000 (INR 2 ਲੱਖ ਦਾ 10 ਪ੍ਰਤੀਸ਼ਤ)।

ਲੰਬੇ ਸਮੇਂ ਦੇ ਪੂੰਜੀ ਲਾਭ ਨੂੰ ਵੇਚਣ ਜਾਂ ਛੁਡਾਉਣ ਤੋਂ ਪੈਦਾ ਹੋਣ ਵਾਲੇ ਲਾਭ ਹਨਇਕੁਇਟੀ ਫੰਡ ਇੱਕ ਸਾਲ ਤੋਂ ਵੱਧ ਆਯੋਜਿਤ ਕੀਤਾ ਗਿਆ।

2. ਛੋਟੀ ਮਿਆਦ ਦੇ ਪੂੰਜੀ ਲਾਭ

ਜੇਕਰ ਮਿਉਚੁਅਲ ਫੰਡ ਯੂਨਿਟਾਂ ਹੋਲਡਿੰਗ ਦੇ ਇੱਕ ਸਾਲ ਤੋਂ ਪਹਿਲਾਂ ਵੇਚੀਆਂ ਜਾਂਦੀਆਂ ਹਨ, ਤਾਂ ਸ਼ਾਰਟ ਟਰਮ ਕੈਪੀਟਲ ਗੇਨ (STCGs) ਟੈਕਸ ਲਾਗੂ ਹੋਵੇਗਾ। STCGs ਟੈਕਸ ਨੂੰ 15 ਫੀਸਦੀ 'ਤੇ ਬਰਕਰਾਰ ਰੱਖਿਆ ਗਿਆ ਹੈ।

ਇਕੁਇਟੀ ਸਕੀਮਾਂ	ਹੋਲਡਿੰਗ ਪੀਰੀਅਡ	ਟੈਕਸ ਦੀ ਦਰ
ਲੰਬੀ ਮਿਆਦ ਦੇ ਪੂੰਜੀ ਲਾਭ (LTCG)	1 ਸਾਲ ਤੋਂ ਵੱਧ	10% (ਬਿਨਾਂ ਸੂਚਕਾਂਕ)*****
ਛੋਟੀ ਮਿਆਦ ਦੇ ਪੂੰਜੀ ਲਾਭ (STCG)	ਇੱਕ ਸਾਲ ਤੋਂ ਘੱਟ ਜਾਂ ਬਰਾਬਰ	15%
ਵੰਡੇ ਹੋਏ ਲਾਭਅੰਸ਼ 'ਤੇ ਟੈਕਸ	-	10%#

*1 ਲੱਖ ਰੁਪਏ ਤੱਕ ਦੇ ਲਾਭ ਟੈਕਸ ਮੁਕਤ ਹਨ। INR 1 ਲੱਖ ਤੋਂ ਵੱਧ ਦੇ ਲਾਭਾਂ 'ਤੇ 10% ਟੈਕਸ ਲਾਗੂ ਹੁੰਦਾ ਹੈ। ਪਹਿਲਾਂ ਦੀ ਦਰ 31 ਜਨਵਰੀ, 2018 ਨੂੰ ਸਮਾਪਤੀ ਕੀਮਤ ਵਜੋਂ 0% ਲਾਗਤ ਦੀ ਗਣਨਾ ਕੀਤੀ ਗਈ ਸੀ। #10% ਦਾ ਲਾਭਅੰਸ਼ ਟੈਕਸ + ਸਰਚਾਰਜ 12% + ਉਪਕਰ 4% = 11.648% 4% ਦਾ ਸਿਹਤ ਅਤੇ ਸਿੱਖਿਆ ਸੈੱਸ ਪੇਸ਼ ਕੀਤਾ ਗਿਆ। ਪਹਿਲਾਂ ਸਿੱਖਿਆ ਸੈੱਸ 3 ਸੀ%

SIP ਨਿਵੇਸ਼ ਦੇ ਲਾਭ

ਕੁਝ ਮਹੱਤਵਪੂਰਨਪ੍ਰਣਾਲੀਗਤ ਨਿਵੇਸ਼ ਯੋਜਨਾਵਾਂ ਦੇ ਲਾਭ ਹਨ:

ਰੁਪਿਆ ਲਾਗਤ ਔਸਤ

ਇੱਕ SIP ਪੇਸ਼ਕਸ਼ ਦਾ ਇੱਕ ਸਭ ਤੋਂ ਵੱਡਾ ਫਾਇਦਾ ਰੁਪਈਆ ਲਾਗਤ ਔਸਤ ਹੈ, ਜੋ ਇੱਕ ਵਿਅਕਤੀ ਨੂੰ ਸੰਪੱਤੀ ਦੀ ਖਰੀਦ ਦੀ ਲਾਗਤ ਨੂੰ ਔਸਤ ਕਰਨ ਵਿੱਚ ਮਦਦ ਕਰਦਾ ਹੈ। ਇੱਕ ਮਿਉਚੁਅਲ ਫੰਡ ਵਿੱਚ ਇੱਕਮੁਸ਼ਤ ਨਿਵੇਸ਼ ਕਰਦੇ ਸਮੇਂ ਦੁਆਰਾ ਇੱਕ ਨਿਸ਼ਚਿਤ ਗਿਣਤੀ ਵਿੱਚ ਯੂਨਿਟ ਖਰੀਦੇ ਜਾਂਦੇ ਹਨਨਿਵੇਸ਼ਕ ਇੱਕ ਵਾਰ ਵਿੱਚ, ਇੱਕ SIP ਦੇ ਮਾਮਲੇ ਵਿੱਚ, ਯੂਨਿਟਾਂ ਦੀ ਖਰੀਦ ਲੰਬੇ ਸਮੇਂ ਲਈ ਕੀਤੀ ਜਾਂਦੀ ਹੈ ਅਤੇ ਇਹ ਮਾਸਿਕ ਅੰਤਰਾਲਾਂ (ਆਮ ਤੌਰ 'ਤੇ) ਵਿੱਚ ਬਰਾਬਰ ਫੈਲ ਜਾਂਦੀਆਂ ਹਨ। ਸਮੇਂ ਦੇ ਨਾਲ ਨਿਵੇਸ਼ ਨੂੰ ਫੈਲਾਏ ਜਾਣ ਦੇ ਕਾਰਨ, ਨਿਵੇਸ਼ ਨੂੰ ਵੱਖ-ਵੱਖ ਕੀਮਤ ਬਿੰਦੂਆਂ 'ਤੇ ਸਟਾਕ ਮਾਰਕੀਟ ਵਿੱਚ ਕੀਤਾ ਜਾਂਦਾ ਹੈ, ਜਿਸ ਨਾਲ ਨਿਵੇਸ਼ਕ ਨੂੰ ਔਸਤ ਲਾਗਤ ਦਾ ਲਾਭ ਮਿਲਦਾ ਹੈ, ਇਸਲਈ ਰੁਪਿਆ ਲਾਗਤ ਔਸਤ ਦੀ ਮਿਆਦ।

ਮਿਸ਼ਰਿਤ ਕਰਨ ਦੀ ਸ਼ਕਤੀ

SIPs ਦੇ ਲਾਭ ਦੀ ਪੇਸ਼ਕਸ਼ ਕਰਦੇ ਹਨਮਿਸ਼ਰਿਤ ਕਰਨ ਦੀ ਸ਼ਕਤੀ. ਸਧਾਰਨ ਵਿਆਜ ਉਦੋਂ ਹੁੰਦਾ ਹੈ ਜਦੋਂ ਤੁਸੀਂ ਸਿਰਫ਼ ਮੂਲ 'ਤੇ ਵਿਆਜ ਪ੍ਰਾਪਤ ਕਰਦੇ ਹੋ। ਮਿਸ਼ਰਿਤ ਵਿਆਜ ਦੇ ਮਾਮਲੇ ਵਿੱਚ, ਵਿਆਜ ਦੀ ਰਕਮ ਨੂੰ ਮੂਲ ਵਿੱਚ ਜੋੜਿਆ ਜਾਂਦਾ ਹੈ, ਅਤੇ ਵਿਆਜ ਦੀ ਗਣਨਾ ਨਵੇਂ ਮੂਲ (ਪੁਰਾਣੇ ਮੂਲ ਦੇ ਨਾਲ ਲਾਭ) 'ਤੇ ਕੀਤੀ ਜਾਂਦੀ ਹੈ। ਇਹ ਸਿਲਸਿਲਾ ਹਰ ਵਾਰ ਜਾਰੀ ਰਹਿੰਦਾ ਹੈ। ਕਿਉਂਕਿ SIP ਵਿੱਚ ਮਿਉਚੁਅਲ ਫੰਡ ਕਿਸ਼ਤਾਂ ਵਿੱਚ ਹੁੰਦੇ ਹਨ, ਉਹ ਮਿਸ਼ਰਿਤ ਹੁੰਦੇ ਹਨ, ਜੋ ਸ਼ੁਰੂਆਤੀ ਨਿਵੇਸ਼ ਕੀਤੀ ਰਕਮ ਵਿੱਚ ਹੋਰ ਵਾਧਾ ਕਰਦਾ ਹੈ।

ਸਮਰੱਥਾ

SIPs ਬਹੁਤ ਕਿਫਾਇਤੀ ਹਨ. SIP ਵਿੱਚ ਮਾਸਿਕ ਘੱਟੋ-ਘੱਟ ਨਿਵੇਸ਼ ਦੀ ਰਕਮ INR 500 ਤੋਂ ਘੱਟ ਹੋ ਸਕਦੀ ਹੈ। ਕੁਝ ਫੰਡ ਹਾਊਸ, "ਮਾਈਕ੍ਰੋਸਿਪ" ਨਾਮਕ ਚੀਜ਼ ਦੀ ਪੇਸ਼ਕਸ਼ ਵੀ ਕਰਦੇ ਹਨ ਜਿੱਥੇ ਟਿਕਟ ਦਾ ਆਕਾਰ INR 100 ਤੋਂ ਘੱਟ ਹੁੰਦਾ ਹੈ। ਇਹ ਨੌਜਵਾਨਾਂ ਨੂੰ ਆਪਣੀ ਲੰਬੀ ਸ਼ੁਰੂਆਤ ਕਰਨ ਲਈ ਇੱਕ ਵਧੀਆ ਵਿਕਲਪ ਦਿੰਦਾ ਹੈ। - ਜੀਵਨ ਦੇ ਸ਼ੁਰੂਆਤੀ ਪੜਾਅ 'ਤੇ ਮਿਆਦੀ ਨਿਵੇਸ਼।

SIP ਕੈਲਕੁਲੇਟਰ

SIP ਕੈਲਕੁਲੇਟਰ ਤੁਹਾਡੇ ਨਿਵੇਸ਼ ਵਿੱਚ ਸਭ ਤੋਂ ਲਾਭਦਾਇਕ ਸਾਧਨ ਹੋ ਸਕਦਾ ਹੈ। ਇਹ ਉਸ ਸਮੇਂ ਤੱਕ ਤੁਹਾਡੇ SIP ਨਿਵੇਸ਼ ਲਈ ਵਾਧੇ ਦਾ ਅਨੁਮਾਨ ਲਗਾਉਂਦਾ ਹੈ ਜਦੋਂ ਤੱਕ ਤੁਸੀਂ ਨਿਵੇਸ਼ ਕਰਨਾ ਚਾਹੁੰਦੇ ਹੋ। ਇਸ ਲਈ, ਪਹਿਲਾਂ ਵੀਨਿਵੇਸ਼ ਇੱਕ ਫੰਡ ਵਿੱਚ, ਕੋਈ ਆਪਣੀ ਕੁੱਲ SIP ਨੂੰ ਪਹਿਲਾਂ ਤੋਂ ਨਿਰਧਾਰਤ ਕਰ ਸਕਦਾ ਹੈਕਮਾਈਆਂ SIP ਕੈਲਕੁਲੇਟਰ ਦੁਆਰਾ। ਕੈਲਕੂਲੇਟਰ ਆਮ ਤੌਰ 'ਤੇ ਇਨਪੁਟ ਲੈਂਦੇ ਹਨ ਜਿਵੇਂ ਕਿ SIP ਨਿਵੇਸ਼ ਦੀ ਰਕਮ ਜੋ ਨਿਵੇਸ਼ ਕਰਨਾ ਚਾਹੁੰਦਾ ਹੈ, ਨਿਵੇਸ਼ ਦੀ ਮਿਆਦ, ਉਮੀਦ ਕੀਤੀ ਜਾਂਦੀ ਹੈਮਹਿੰਗਾਈ ਦਰਾਂ (ਇੱਕ ਨੂੰ ਇਸ ਲਈ ਲੇਖਾ ਦੇਣਾ ਚਾਹੀਦਾ ਹੈ)। ਇਸ ਦੀ ਉਦਾਹਰਣ ਹੇਠਾਂ ਦਿੱਤੀ ਗਈ ਹੈ:

ਮੰਨ ਲਓ, ਜੇਕਰ ਤੁਸੀਂ 10 ਸਾਲਾਂ ਲਈ INR 5,000 ਦਾ ਨਿਵੇਸ਼ ਕਰਦੇ ਹੋ, ਤਾਂ ਦੇਖੋ ਕਿ ਤੁਹਾਡਾ SIP ਨਿਵੇਸ਼ ਕਿਵੇਂ ਵਧਦਾ ਹੈ-

ਮਹੀਨਾਵਾਰ ਨਿਵੇਸ਼: INR 5,000
ਨਿਵੇਸ਼ ਦੀ ਮਿਆਦ: 10 ਸਾਲ
ਨਿਵੇਸ਼ ਕੀਤੀ ਗਈ ਕੁੱਲ ਰਕਮ: INR 6,00,000
ਲੰਬੇ ਸਮੇਂ ਦੀ ਵਿਕਾਸ ਦਰ (ਲਗਭਗ): 14%
SIP ਕੈਲਕੁਲੇਟਰ ਦੇ ਅਨੁਸਾਰ ਸੰਭਾਵਿਤ ਰਿਟਰਨ: 12,46,462 ਰੁਪਏ
ਕੁੱਲ ਲਾਭ: 6,46,462 ਰੁਪਏ

ਉਪਰੋਕਤ ਗਣਨਾਵਾਂ ਦਿਖਾਉਂਦੀਆਂ ਹਨ ਕਿ ਜੇਕਰ ਤੁਸੀਂ 10 ਸਾਲਾਂ ਲਈ INR 5,000 ਮਹੀਨਾਵਾਰ ਨਿਵੇਸ਼ ਕਰਦੇ ਹੋ (ਕੁੱਲ INR 6,00,000) ਤਾਂ ਤੁਸੀਂ ਕਮਾਓਗੇINR 12,46,462 ਜਿਸਦਾ ਮਤਲਬ ਹੈ ਕਿ ਤੁਸੀਂ ਜੋ ਸ਼ੁੱਧ ਲਾਭ ਕਮਾਉਂਦੇ ਹੋ6,46,462 ਰੁਪਏ ਕੀ ਇਹ ਬਹੁਤ ਵਧੀਆ ਨਹੀਂ ਹੈ!

Disclaimer:
ਇਹ ਯਕੀਨੀ ਬਣਾਉਣ ਲਈ ਸਾਰੇ ਯਤਨ ਕੀਤੇ ਗਏ ਹਨ ਕਿ ਇੱਥੇ ਦਿੱਤੀ ਗਈ ਜਾਣਕਾਰੀ ਸਹੀ ਹੈ। ਹਾਲਾਂਕਿ, ਡੇਟਾ ਦੀ ਸ਼ੁੱਧਤਾ ਬਾਰੇ ਕੋਈ ਗਾਰੰਟੀ ਨਹੀਂ ਦਿੱਤੀ ਗਈ ਹੈ। ਕਿਰਪਾ ਕਰਕੇ ਕੋਈ ਵੀ ਨਿਵੇਸ਼ ਕਰਨ ਤੋਂ ਪਹਿਲਾਂ ਸਕੀਮ ਜਾਣਕਾਰੀ ਦਸਤਾਵੇਜ਼ ਨਾਲ ਤਸਦੀਕ ਕਰੋ।