10 ਸਰਵੋਤਮ HDFC MF SIP ਫੰਡ 2022

Updated on July 29, 2026 , 151403 views

ਵਿਵਸਥਿਤਨਿਵੇਸ਼ ਯੋਜਨਾ ਜਾਂSIP ਦੀ ਇੱਕ ਵਿਧੀ ਹੈਨਿਵੇਸ਼ ਇੱਕ ਨਿਰਧਾਰਤ ਸਮੇਂ 'ਤੇ ਨਿਯਮਤ ਤੌਰ 'ਤੇ ਇੱਕ ਨਿਸ਼ਚਿਤ ਰਕਮ। ਇਹ ਸਭ ਤੋਂ ਲਚਕਦਾਰ ਅਤੇ ਆਸਾਨ ਨਿਵੇਸ਼ ਯੋਜਨਾ ਹੈ। ਤੁਹਾਡਾ ਪੈਸਾ ਤੁਹਾਡੇ ਤੋਂ ਆਟੋ-ਡੈਬਿਟ ਹੁੰਦਾ ਹੈਬੈਂਕ ਖਾਤਾ ਹੈ ਅਤੇ ਸਕੀਮ ਵਿੱਚ ਨਿਵੇਸ਼ ਕੀਤਾ ਜਾਂਦਾ ਹੈ। SIP ਦੀ ਨਿਵੇਸ਼ ਸ਼ੈਲੀ ਦੇ ਕਾਰਨ, ਨਿਵੇਸ਼ਕਾਂ ਨੂੰ ਸਮਾਂ ਕੱਢਣ ਦੀ ਲੋੜ ਨਹੀਂ ਹੈਬਜ਼ਾਰ.

HDFC ਮਿਉਚੁਅਲ ਫੰਡ, ਭਾਰਤ ਦੇ ਪ੍ਰਮੁੱਖਾਂ ਵਿੱਚੋਂ ਇੱਕ ਹੈAMCs, ਨਿਵੇਸ਼ਕ ਹਮੇਸ਼ਾ ਕੰਪਨੀ ਦੁਆਰਾ ਪੇਸ਼ ਕੀਤੇ ਗਏ SIP ਫੰਡਾਂ ਨੂੰ ਤਰਜੀਹ ਦਿੰਦੇ ਹਨ। ਤੁਸੀਂ ਸਿਰਫ਼ INR 500 ਦੇ ਨਾਲ ਇੱਕ SIP ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨਾ ਸ਼ੁਰੂ ਕਰ ਸਕਦੇ ਹੋ। ਏ ਦੇ ਹੋਰ ਫਾਇਦਿਆਂ ਵਿੱਚੋਂ ਇੱਕSIP ਨਿਵੇਸ਼ ਇਹ ਹੈ ਕਿ ਤੁਸੀਂ ਆਪਣੀ ਯੋਜਨਾ ਬਣਾ ਸਕਦੇ ਹੋ ਅਤੇ ਪੂਰਾ ਕਰ ਸਕਦੇ ਹੋਵਿੱਤੀ ਟੀਚੇ.

ਵਿਆਹ ਵਰਗੇ ਟੀਚੇ,ਰਿਟਾਇਰਮੈਂਟ ਦੀ ਯੋਜਨਾਬੰਦੀ, ਇੱਕ ਘਰ/ਵਾਹਨ ਆਦਿ ਦੀ ਖਰੀਦ, ਇੱਕ SIP ਰੂਟ ਨਾਲ ਚੰਗੀ ਤਰ੍ਹਾਂ ਯੋਜਨਾਬੱਧ ਅਤੇ ਸਮੇਂ ਸਿਰ ਪ੍ਰਾਪਤ ਕੀਤੀ ਜਾ ਸਕਦੀ ਹੈ।

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HDFC ਮਿਉਚੁਅਲ ਫੰਡ SIP ਵਿੱਚ ਕਿਉਂ ਨਿਵੇਸ਼ ਕਰੋ?

HDFC SIP ਸਭ ਤੋਂ ਪ੍ਰਸਿੱਧ ਹੈਮਿਉਚੁਅਲ ਫੰਡ ਕੰਪਨੀ ਦੁਆਰਾ ਪੇਸ਼ ਕੀਤੀਆਂ ਸਕੀਮਾਂ. ਇੱਕ SIP ਬਿਲਕੁਲ ਏਆਵਰਤੀ ਡਿਪਾਜ਼ਿਟ. ਹਰ ਮਹੀਨੇ ਇੱਕ ਖਾਸ ਮਿਤੀ ਨੂੰ ਇੱਕ ਨਿਸ਼ਚਿਤ ਰਕਮ ਜੋ ਤੁਹਾਡੇ ਦੁਆਰਾ ਚੁਣੀ ਜਾਂਦੀ ਹੈ ਤੁਹਾਡੀ ਪਸੰਦ ਦੀ ਇੱਕ ਮਿਉਚੁਅਲ ਫੰਡ ਸਕੀਮ ਵਿੱਚ ਨਿਵੇਸ਼ ਕੀਤੀ ਜਾਂਦੀ ਹੈ। SIP ਨਿਵੇਸ਼ ਲਈ ਉਪਲਬਧ ਤਾਰੀਖਾਂ ਕੰਪਨੀ ਦੀ ਵੈੱਬਸਾਈਟ 'ਤੇ ਦਿੱਤੀਆਂ ਗਈਆਂ ਹਨ। ਕਈ ਹਨਨਿਵੇਸ਼ ਦੇ ਲਾਭ HDFC MF SIP ਦੁਆਰਾ। ਉਹਨਾਂ ਵਿੱਚੋਂ ਕੁਝ ਸ਼ਾਮਲ ਹਨ:

ਅਨੁਸ਼ਾਸਿਤ ਨਿਵੇਸ਼ ਦੀ ਆਦਤ
ਆਪਣੇ ਵਿੱਤੀ ਟੀਚੇ ਨੂੰ ਪ੍ਰਾਪਤ ਕਰਨਾ
ਰੁਪਏ ਦੀ ਔਸਤ ਲਾਗਤ ਦਾ ਫਾਇਦਾ ਉਠਾਉਂਦੇ ਹੋਏ
ਸਮੇਂ ਦੀ ਇੱਕ ਮਿਆਦ ਵਿੱਚ ਨਿਵੇਸ਼ ਵਿੱਚ ਵਾਧਾ ਜੋ ਵਧੇਰੇ ਰਿਟਰਨ ਪੈਦਾ ਕਰਦਾ ਹੈ
ਸਿਰਫ਼ INR 500 ਮਾਸਿਕ ਦਾ ਘੱਟੋ-ਘੱਟ SIP ਨਿਵੇਸ਼

ਹੇਠਾਂ ਦਿੱਤੇ ਹਨ ਸਭ ਤੋਂ ਵਧੀਆ ਐਚਡੀਐਫਸੀ ਐਸਆਈਪੀ ਫੰਡ (ਇਕੁਇਟੀ ਫੰਡ) ਸਾਲ 2022 - 2023 ਲਈ। ਇਹ ਫੰਡ ਕੁਝ ਮਾਪਦੰਡਾਂ ਜਿਵੇਂ ਕਿ ਏ.ਯੂ.ਐਮ., ਦੁਆਰਾ ਸ਼ਾਰਟਲਿਸਟ ਕੀਤੇ ਗਏ ਹਨ।ਨਹੀ ਹਨ, ਪੀਅਰ ਔਸਤ ਰਿਟਰਨ, ਪਿਛਲੇ ਪ੍ਰਦਰਸ਼ਨ, ਆਦਿ।

ਸਰਬੋਤਮ ਐਚਡੀਐਫਸੀ ਇਕੁਇਟੀ ਐਸਆਈਪੀ ਮਿਉਚੁਅਲ ਫੰਡ

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
HDFC Infrastructure Fund Growth	₹46.897 ↑ 0.29	₹2,444	300	-0.9	0.9	-1.2	15.9	19.1	2.2
HDFC Focused 30 Fund Growth	₹234.77 ↑ 0.13	₹27,303	300	5.5	0.3	3.1	15.9	18.4	10.9
HDFC Capital Builder Value Fund Growth	₹788.576 ↑ 2.63	₹7,583	300	6.1	4.5	6.8	15.8	14.6	8.6
HDFC Tax Saver Fund Growth	₹1,389.44 ↑ 3.01	₹15,685	500	4.1	-2.4	-0.8	14.3	15.8	10.3
HDFC Growth Opportunities Fund Growth	₹350.157 ↑ 1.55	₹29,285	300	5.7	3.6	3.9	14.1	15.6	6.1
HDFC Small Cap Fund Growth	₹140.168 ↑ 0.61	₹40,417	300	6.5	4.7	-0.8	11.7	14.7	-0.6
HDFC Top 100 Fund Growth	₹1,146.99 ↑ 6.51	₹39,024	300	5.1	0	1.5	10.3	12.9	7.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Jul 26

Research Highlights & Commentary of 7 Funds showcased

Commentary	HDFC Infrastructure Fund	HDFC Focused 30 Fund	HDFC Capital Builder Value Fund	HDFC Tax Saver Fund	HDFC Growth Opportunities Fund	HDFC Small Cap Fund	HDFC Top 100 Fund
Point 1	Bottom quartile AUM (₹2,444 Cr).	Lower mid AUM (₹27,303 Cr).	Bottom quartile AUM (₹7,583 Cr).	Lower mid AUM (₹15,685 Cr).	Upper mid AUM (₹29,285 Cr).	Highest AUM (₹40,417 Cr).	Upper mid AUM (₹39,024 Cr).
Point 2	Established history (18+ yrs).	Established history (21+ yrs).	Oldest track record among peers (32 yrs).	Established history (30+ yrs).	Established history (32+ yrs).	Established history (18+ yrs).	Established history (29+ yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Rating: 2★ (bottom quartile).	Top rated.	Rating: 3★ (lower mid).
Point 4	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 19.14% (top quartile).	5Y return: 18.36% (upper mid).	5Y return: 14.64% (bottom quartile).	5Y return: 15.85% (upper mid).	5Y return: 15.58% (lower mid).	5Y return: 14.71% (lower mid).	5Y return: 12.86% (bottom quartile).
Point 6	3Y return: 15.91% (top quartile).	3Y return: 15.86% (upper mid).	3Y return: 15.84% (upper mid).	3Y return: 14.32% (lower mid).	3Y return: 14.06% (lower mid).	3Y return: 11.68% (bottom quartile).	3Y return: 10.28% (bottom quartile).
Point 7	1Y return: -1.22% (bottom quartile).	1Y return: 3.05% (upper mid).	1Y return: 6.80% (top quartile).	1Y return: -0.83% (bottom quartile).	1Y return: 3.86% (upper mid).	1Y return: -0.81% (lower mid).	1Y return: 1.47% (lower mid).
Point 8	Alpha: 0.00 (upper mid).	Alpha: -0.27 (lower mid).	Alpha: 3.42 (top quartile).	Alpha: -5.00 (bottom quartile).	Alpha: -1.54 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: -0.39 (lower mid).
Point 9	Sharpe: -0.23 (upper mid).	Sharpe: -0.32 (lower mid).	Sharpe: -0.13 (top quartile).	Sharpe: -0.64 (bottom quartile).	Sharpe: -0.29 (upper mid).	Sharpe: -0.37 (lower mid).	Sharpe: -0.49 (bottom quartile).
Point 10	Information ratio: 0.00 (lower mid).	Information ratio: 0.67 (upper mid).	Information ratio: 1.47 (top quartile).	Information ratio: 0.42 (upper mid).	Information ratio: -0.01 (bottom quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.08 (lower mid).

HDFC Infrastructure Fund

Bottom quartile AUM (₹2,444 Cr).
Established history (18+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 19.14% (top quartile).
3Y return: 15.91% (top quartile).
1Y return: -1.22% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.23 (upper mid).
Information ratio: 0.00 (lower mid).

HDFC Focused 30 Fund

Lower mid AUM (₹27,303 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 18.36% (upper mid).
3Y return: 15.86% (upper mid).
1Y return: 3.05% (upper mid).
Alpha: -0.27 (lower mid).
Sharpe: -0.32 (lower mid).
Information ratio: 0.67 (upper mid).

HDFC Capital Builder Value Fund

Bottom quartile AUM (₹7,583 Cr).
Oldest track record among peers (32 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 14.64% (bottom quartile).
3Y return: 15.84% (upper mid).
1Y return: 6.80% (top quartile).
Alpha: 3.42 (top quartile).
Sharpe: -0.13 (top quartile).
Information ratio: 1.47 (top quartile).

HDFC Tax Saver Fund

Lower mid AUM (₹15,685 Cr).
Established history (30+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.85% (upper mid).
3Y return: 14.32% (lower mid).
1Y return: -0.83% (bottom quartile).
Alpha: -5.00 (bottom quartile).
Sharpe: -0.64 (bottom quartile).
Information ratio: 0.42 (upper mid).

HDFC Growth Opportunities Fund

Upper mid AUM (₹29,285 Cr).
Established history (32+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.58% (lower mid).
3Y return: 14.06% (lower mid).
1Y return: 3.86% (upper mid).
Alpha: -1.54 (bottom quartile).
Sharpe: -0.29 (upper mid).
Information ratio: -0.01 (bottom quartile).

HDFC Small Cap Fund

Highest AUM (₹40,417 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 14.71% (lower mid).
3Y return: 11.68% (bottom quartile).
1Y return: -0.81% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.37 (lower mid).
Information ratio: 0.00 (bottom quartile).

HDFC Top 100 Fund

Upper mid AUM (₹39,024 Cr).
Established history (29+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 12.86% (bottom quartile).
3Y return: 10.28% (bottom quartile).
1Y return: 1.47% (lower mid).
Alpha: -0.39 (lower mid).
Sharpe: -0.49 (bottom quartile).
Information ratio: 0.08 (lower mid).

1. HDFC Infrastructure Fund

To seek long-term capital appreciation by investing predominantly in equity and equity related securities of companies engaged in or expected to benefit from growth and development of infrastructure.

Research Highlights for HDFC Infrastructure Fund

Bottom quartile AUM (₹2,444 Cr).
Established history (18+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 19.14% (top quartile).
3Y return: 15.91% (top quartile).
1Y return: -1.22% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.23 (upper mid).
Information ratio: 0.00 (lower mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~100%).
Largest holding Larsen & Toubro Ltd (~7.2%).

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund Growth
Launch Date	10 Mar 08
NAV (31 Jul 26)	₹46.897 ↑ 0.29 (0.62 %)
Net Assets (Cr)	₹2,444 on 30 Jun 26
Category	Equity - Sectoral
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	2.06
Sharpe Ratio	-0.23
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,865
31 Jul 23	₹15,416
31 Jul 24	₹25,602
31 Jul 25	₹24,305

HDFC Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for HDFC 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 31 Jul 26

Duration	Returns
1 Month	-2.3%
3 Month	-0.9%
6 Month	0.9%
1 Year	-1.2%
3 Year	15.9%
5 Year	19.1%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2025	2.2%
2024	23%
2023	55.4%
2022	19.3%
2021	43.2%
2020	-7.5%
2019	-3.4%
2018	-29%
2017	43.3%
2016	-1.9%

Fund Manager information for HDFC Infrastructure Fund

Name	Since	Tenure
Dhruv Muchhal	22 Jun 23	3.02 Yr.
Ashish Shah	1 Nov 25	0.66 Yr.

Data below for HDFC Infrastructure Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Industrials	46.16%
Financial Services	13.54%
Utility	12.4%
Basic Materials	8.64%
Energy	6.75%
Real Estate	4.21%
Communication Services	3.43%
Health Care	2.28%
Technology	1.45%
Consumer Cyclical	0.72%

Asset Allocation

Asset Class	Value
Cash	0.44%
Equity	99.56%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 12 \| LT	7%	₹172 Cr	421,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	4%	₹106 Cr	845,000 ↓ -185,000
Kalpataru Projects International Ltd (Industrials) Equity, Since 31 Jan 23 \| KPIL	4%	₹99 Cr	756,994 ↓ -21,291
NTPC Ltd (Utilities) Equity, Since 31 Dec 17 \| NTPC	4%	₹91 Cr	2,350,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Dec 21 \| INDIGO	3%	₹73 Cr	166,369 ↑ 10,000
J Kumar Infraprojects Ltd (Industrials) Equity, Since 31 Oct 15 \| JKIL	3%	₹70 Cr	1,400,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 30 Apr 24 \| POWERGRID	3%	₹70 Cr	2,400,000
TD Power Systems Ltd (Industrials) Equity, Since 30 Jun 23 \| TDPOWERSYS	3%	₹69 Cr	525,000 ↓ -25,000
Reliance Industries Ltd (Energy) Equity, Since 31 May 24 \| RELIANCE	3%	₹67 Cr	510,000 ↓ -20,000
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 Jan 25 \| ADANIPORTS	3%	₹67 Cr	370,000

2. HDFC Focused 30 Fund

(Erstwhile HDFC Core & Satellite Fund)

To generate capital appreciation through equity investment in companies whose shares are quoting at prices below their true value.

Research Highlights for HDFC Focused 30 Fund

Lower mid AUM (₹27,303 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 18.36% (upper mid).
3Y return: 15.86% (upper mid).
1Y return: 3.05% (upper mid).
Alpha: -0.27 (lower mid).
Sharpe: -0.32 (lower mid).
Information ratio: 0.67 (upper mid).
Higher exposure to Financial Services vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~92%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~9.0%).

Below is the key information for HDFC Focused 30 Fund

HDFC Focused 30 Fund Growth
Launch Date	17 Sep 04
NAV (31 Jul 26)	₹234.77 ↑ 0.13 (0.06 %)
Net Assets (Cr)	₹27,303 on 30 Jun 26
Category	Equity - Focused
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.68
Sharpe Ratio	-0.32
Information Ratio	0.67
Alpha Ratio	-0.27
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹11,941
31 Jul 23	₹14,937
31 Jul 24	₹21,242
31 Jul 25	₹22,542

HDFC Focused 30 Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656 Invest Now

Returns for HDFC Focused 30 Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Jul 26

Duration	Returns
1 Month	2.4%
3 Month	5.5%
6 Month	0.3%
1 Year	3.1%
3 Year	15.9%
5 Year	18.4%
10 Year
15 Year
Since launch	15.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	10.9%
2024	24%
2023	29.6%
2022	18.3%
2021	40.1%
2020	4.2%
2019	3.8%
2018	-14.6%
2017	38.7%
2016	2.1%

Fund Manager information for HDFC Focused 30 Fund

Name	Since	Tenure
Amit Ganatra	1 Feb 26	0.41 Yr.
Dhruv Muchhal	22 Jun 23	3.02 Yr.

Data below for HDFC Focused 30 Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	41.04%
Consumer Cyclical	22.07%
Industrials	8.09%
Health Care	6.61%
Technology	3.86%
Communication Services	3.39%
Utility	3.01%
Basic Materials	2.55%
Real Estate	1.79%

Asset Allocation

Asset Class	Value
Cash	7.4%
Equity	92.4%
Debt	0.19%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jul 12 \| ICICIBANK	9%	₹2,349 Cr	18,700,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 17 \| HDFCBANK	8%	₹2,124 Cr	28,526,520
Axis Bank Ltd (Financial Services) Equity, Since 30 Sep 18 \| AXISBANK	7%	₹1,930 Cr	15,000,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 30 Sep 23 \| KOTAKBANK	6%	₹1,451 Cr	37,772,860
State Bank of India (Financial Services) Equity, Since 30 Apr 12 \| SBIN	5%	₹1,362 Cr	14,120,988
HCL Technologies Ltd (Technology) Equity, Since 30 Apr 22 \| HCLTECH	4%	₹1,006 Cr	8,500,017
Cipla Ltd (Healthcare) Equity, Since 31 Jan 22 \| CIPLA	4%	₹978 Cr	6,981,112
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| MARUTI	4%	₹965 Cr	734,963 ↑ 31,374
Eternal Ltd (Consumer Cyclical) Equity, Since 28 Feb 26 \| ETERNAL	4%	₹958 Cr	38,246,676 ↑ 789,832
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 31 Jan 22 \| SBILIFE	4%	₹943 Cr	5,154,673

3. HDFC Capital Builder Value Fund

(Erstwhile HDFC Capital Builder Fund)

The fund plans to achieve long term capital appreciation.

Research Highlights for HDFC Capital Builder Value Fund

Bottom quartile AUM (₹7,583 Cr).
Oldest track record among peers (32 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 14.64% (bottom quartile).
3Y return: 15.84% (upper mid).
1Y return: 6.80% (top quartile).
Alpha: 3.42 (top quartile).
Sharpe: -0.13 (top quartile).
Information ratio: 1.47 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding ICICI Bank Ltd (~6.4%).

Below is the key information for HDFC Capital Builder Value Fund

HDFC Capital Builder Value Fund Growth
Launch Date	1 Feb 94
NAV (31 Jul 26)	₹788.576 ↑ 2.63 (0.33 %)
Net Assets (Cr)	₹7,583 on 30 Jun 26
Category	Equity - Value
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.84
Sharpe Ratio	-0.13
Information Ratio	1.47
Alpha Ratio	3.42
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,544
31 Jul 23	₹12,739
31 Jul 24	₹18,446
31 Jul 25	₹18,542

HDFC Capital Builder Value Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for HDFC Capital Builder 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 31 Jul 26

Duration	Returns
1 Month	3%
3 Month	6.1%
6 Month	4.5%
1 Year	6.8%
3 Year	15.8%
5 Year	14.6%
10 Year
15 Year
Since launch	14.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	8.6%
2024	20.7%
2023	29.6%
2022	3.6%
2021	35.6%
2020	12.9%
2019	0%
2018	-5.5%
2017	42.3%
2016	3.8%

Fund Manager information for HDFC Capital Builder Value Fund

Name	Since	Tenure
Anand Laddha	1 Feb 24	2.41 Yr.
Dhruv Muchhal	22 Jun 23	3.03 Yr.

Data below for HDFC Capital Builder Value Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	34.39%
Consumer Cyclical	11.53%
Industrials	10.06%
Technology	8.73%
Health Care	8.17%
Communication Services	5.26%
Consumer Defensive	5.03%
Utility	4.55%
Real Estate	3.95%
Energy	3.86%
Basic Materials	3.84%

Asset Allocation

Asset Class	Value
Cash	0.63%
Equity	99.37%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	6%	₹471 Cr	3,750,000
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 11 \| HDFCBANK	5%	₹385 Cr	5,170,000
Axis Bank Ltd (Financial Services) Equity, Since 28 Feb 09 \| AXISBANK	4%	₹312 Cr	2,425,000
State Bank of India (Financial Services) Equity, Since 31 Aug 20 \| SBIN	3%	₹256 Cr	2,650,000 ↓ -50,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 May 20 \| BHARTIARTL	3%	₹238 Cr	1,300,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Oct 20 \| LT	3%	₹214 Cr	525,000
Infosys Ltd (Technology) Equity, Since 31 Jul 09 \| INFY	3%	₹197 Cr	1,700,000 ↓ -49,077
NTPC Ltd (Utilities) Equity, Since 31 Aug 17 \| NTPC	3%	₹193 Cr	5,000,000
AU Small Finance Bank Ltd (Financial Services) Equity, Since 31 Aug 24 \| AUBANK	2%	₹181 Cr	1,840,000
Reliance Industries Ltd (Energy) Equity, Since 31 Aug 25 \| RELIANCE	2%	₹165 Cr	1,250,000 ↑ 45,000

4. HDFC Tax Saver Fund

The fund plans to provide long term growth of capital.

Research Highlights for HDFC Tax Saver Fund

Lower mid AUM (₹15,685 Cr).
Established history (30+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.85% (upper mid).
3Y return: 14.32% (lower mid).
1Y return: -0.83% (bottom quartile).
Alpha: -5.00 (bottom quartile).
Sharpe: -0.64 (bottom quartile).
Information ratio: 0.42 (upper mid).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~9.0%).

Below is the key information for HDFC Tax Saver Fund

HDFC Tax Saver Fund Growth
Launch Date	31 Mar 96
NAV (31 Jul 26)	₹1,389.44 ↑ 3.01 (0.22 %)
Net Assets (Cr)	₹15,685 on 30 Jun 26
Category	Equity - ELSS
AMC	HDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.7
Sharpe Ratio	-0.64
Information Ratio	0.42
Alpha Ratio	-5
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹11,333
31 Jul 23	₹13,966
31 Jul 24	₹20,325
31 Jul 25	₹21,040

HDFC Tax Saver Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 Invest Now

Returns for HDFC Tax Saver Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Jul 26

Duration	Returns
1 Month	2.9%
3 Month	4.1%
6 Month	-2.4%
1 Year	-0.8%
3 Year	14.3%
5 Year	15.8%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2025	10.3%
2024	21.3%
2023	33.2%
2022	10.5%
2021	35.3%
2020	5.8%
2019	3.7%
2018	-10.9%
2017	38.7%
2016	7.6%

Fund Manager information for HDFC Tax Saver Fund

Name	Since	Tenure
Amar Kalkundrikar	8 Dec 25	0.56 Yr.
Dhruv Muchhal	22 Jun 23	3.02 Yr.

Data below for HDFC Tax Saver Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	41.75%
Consumer Cyclical	16.64%
Health Care	7.95%
Technology	6.76%
Industrials	5.67%
Basic Materials	4.94%
Communication Services	4.51%
Consumer Defensive	4.21%
Energy	2.86%
Utility	2.08%

Asset Allocation

Asset Class	Value
Cash	2.3%
Equity	97.37%
Debt	0.33%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	9%	₹1,382 Cr	11,000,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 15 \| HDFCBANK	8%	₹1,236 Cr	16,600,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| AXISBANK	7%	₹1,140 Cr	8,863,395
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| MARUTI	5%	₹722 Cr	550,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 19 \| BHARTIARTL	5%	₹693 Cr	3,788,193
State Bank of India (Financial Services) Equity, Since 31 Dec 06 \| SBIN	4%	₹675 Cr	7,000,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Dec 23 \| KOTAKBANK	4%	₹672 Cr	17,500,000
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 31 Jan 22 \| SBILIFE	4%	₹549 Cr	3,000,012
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 15 \| RELIANCE	3%	₹439 Cr	3,325,000
HCL Technologies Ltd (Technology) Equity, Since 30 Sep 20 \| HCLTECH	3%	₹423 Cr	3,575,000

5. HDFC Growth Opportunities Fund

(Erstwhile HDFC Large Cap Fund)

The investment objective of the scheme is to achieve long-term capital appreciation by investing primarily in equity and equity related securities of companies having large market capitalization.

Research Highlights for HDFC Growth Opportunities Fund

Upper mid AUM (₹29,285 Cr).
Established history (32+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.58% (lower mid).
3Y return: 14.06% (lower mid).
1Y return: 3.86% (upper mid).
Alpha: -1.54 (bottom quartile).
Sharpe: -0.29 (upper mid).
Information ratio: -0.01 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding HDFC Bank Ltd (~3.8%).

Below is the key information for HDFC Growth Opportunities Fund

HDFC Growth Opportunities Fund Growth
Launch Date	18 Feb 94
NAV (31 Jul 26)	₹350.157 ↑ 1.55 (0.44 %)
Net Assets (Cr)	₹29,285 on 30 Jun 26
Category	Equity - Large & Mid Cap
AMC	HDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.66
Sharpe Ratio	-0.29
Information Ratio	-0.01
Alpha Ratio	-1.54
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹11,090
31 Jul 23	₹13,897
31 Jul 24	₹20,271
31 Jul 25	₹19,857

HDFC Growth Opportunities Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 Invest Now

Returns for HDFC Growth 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 31 Jul 26

Duration	Returns
1 Month	2.6%
3 Month	5.7%
6 Month	3.6%
1 Year	3.9%
3 Year	14.1%
5 Year	15.6%
10 Year
15 Year
Since launch	12.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.1%
2024	19.4%
2023	37.7%
2022	8.2%
2021	43.1%
2020	11.4%
2019	6.6%
2018	-3.8%
2017	29.4%
2016	3.9%

Fund Manager information for HDFC Growth Opportunities Fund

Name	Since	Tenure
Gopal Agrawal	16 Jul 20	5.96 Yr.
Dhruv Muchhal	22 Jun 23	3.02 Yr.

Data below for HDFC Growth Opportunities Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	30.04%
Consumer Cyclical	13.71%
Health Care	13.18%
Industrials	9.75%
Technology	8.9%
Basic Materials	7.73%
Utility	3.73%
Energy	3.6%
Communication Services	3.25%
Consumer Defensive	3.04%
Real Estate	2.48%

Asset Allocation

Asset Class	Value
Cash	0.58%
Equity	99.42%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jan 03 \| HDFCBANK	4%	₹1,092 Cr	14,664,794
ICICI Bank Ltd (Financial Services) Equity, Since 31 Aug 12 \| ICICIBANK	3%	₹993 Cr	7,900,836 ↑ 1,000,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Sep 22 \| AXISBANK	2%	₹547 Cr	4,250,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 22 \| BHARTIARTL	2%	₹532 Cr	2,906,378
Reliance Industries Ltd (Energy) Equity, Since 31 May 07 \| RELIANCE	2%	₹453 Cr	3,426,186 ↑ 1,500,000
Fortis Healthcare Ltd (Healthcare) Equity, Since 31 Mar 24 \| FORTIS	2%	₹439 Cr	4,733,349
Max Financial Services Ltd (Financial Services) Equity, Since 30 Jun 18 \| MFSL	2%	₹436 Cr	2,602,017
State Bank of India (Financial Services) Equity, Since 30 Jun 14 \| SBIN	1%	₹406 Cr	4,210,091
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Dec 21 \| MARUTI	1%	₹385 Cr	293,447
Infosys Ltd (Technology) Equity, Since 30 Jun 04 \| INFY	1%	₹375 Cr	3,231,484

6. HDFC Small Cap Fund

To provide long-term capital appreciation by investing predominantly in Small-Cap and Mid-Cap companies.

Research Highlights for HDFC Small Cap Fund

Highest AUM (₹40,417 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 14.71% (lower mid).
3Y return: 11.68% (bottom quartile).
1Y return: -0.81% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.37 (lower mid).
Information ratio: 0.00 (bottom quartile).
Higher exposure to Industrials vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~90%).
Largest holding Firstsource Solutions Ltd (~3.9%).

Below is the key information for HDFC Small Cap Fund

HDFC Small Cap Fund Growth
Launch Date	3 Apr 08
NAV (31 Jul 26)	₹140.168 ↑ 0.61 (0.44 %)
Net Assets (Cr)	₹40,417 on 30 Jun 26
Category	Equity - Small Cap
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.58
Sharpe Ratio	-0.37
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,056
31 Jul 23	₹14,262
31 Jul 24	₹19,750
31 Jul 25	₹20,027

HDFC Small Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for HDFC 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 31 Jul 26

Duration	Returns
1 Month	2.4%
3 Month	6.5%
6 Month	4.7%
1 Year	-0.8%
3 Year	11.7%
5 Year	14.7%
10 Year
15 Year
Since launch	15.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	-0.6%
2024	20.4%
2023	44.8%
2022	4.6%
2021	64.9%
2020	20.2%
2019	-9.5%
2018	-8.1%
2017	60.8%
2016	5.4%

Fund Manager information for HDFC Small Cap Fund

Name	Since	Tenure
Chirag Setalvad	28 Jun 14	12.02 Yr.
Dhruv Muchhal	22 Jun 23	3.03 Yr.

Data below for HDFC Small Cap Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Industrials	21.38%
Consumer Cyclical	20.81%
Financial Services	12.52%
Health Care	11.83%
Technology	10.13%
Basic Materials	7.46%
Consumer Defensive	4.05%
Communication Services	1.68%

Asset Allocation

Asset Class	Value
Cash	10.14%
Equity	89.86%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Firstsource Solutions Ltd (Technology) Equity, Since 31 Mar 18 \| FSL	4%	₹1,522 Cr	57,922,189 ↑ 1,402,758
Aster DM Healthcare Ltd Ordinary Shares (Healthcare) Equity, Since 30 Jun 19 \| ASTERDM	4%	₹1,474 Cr	20,240,031 ↓ -3,827,000
Bank of Baroda (Financial Services) Equity, Since 31 Mar 19 \| BANKBARODA	3%	₹1,257 Cr	46,828,792
Gabriel India Ltd (Consumer Cyclical) Equity, Since 31 Oct 18 \| GABRIEL	3%	₹1,075 Cr	9,775,044
eClerx Services Ltd (Technology) Equity, Since 31 Mar 18 \| ECLERX	2%	₹952 Cr	6,313,993 ↑ 38,545
Eris Lifesciences Ltd Registered Shs (Healthcare) Equity, Since 31 Jul 23 \| ERIS	2%	₹918 Cr	6,563,458 ↓ -200,000
Fortis Healthcare Ltd (Healthcare) Equity, Since 31 Jul 23 \| FORTIS	2%	₹876 Cr	9,440,132
Krishna Institute of Medical Sciences Ltd (Healthcare) Equity, Since 31 Jul 23 \| KIMS	2%	₹845 Cr	11,133,566
Indian Bank (Financial Services) Equity, Since 31 Jul 16 \| INDIANB	2%	₹807 Cr	9,688,128
Apar Industries Ltd (Industrials) Equity, Since 30 Sep 16 \| APARINDS	2%	₹663 Cr	505,371

7. HDFC Top 100 Fund

(Erstwhile HDFC Top 200)

To generate long term capital appreciation from a portfolio of equity and equity linked instruments. The investment portfolio for equity and equity linked instruments will be primarily drawn from the companies in the BSE 200 Index. Further, the Scheme may also invest in listed companies that would qualify to be in the top 200 by market capitalisation on the BSE even though they may not be listed on the BSE. This includes participation in large Ipos where in the market capitalisation of the company based on issue price would make the company a part of the top 200 companies listed on the BSE based on market capitalisation.

Research Highlights for HDFC Top 100 Fund

Upper mid AUM (₹39,024 Cr).
Established history (29+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 12.86% (bottom quartile).
3Y return: 10.28% (bottom quartile).
1Y return: 1.47% (lower mid).
Alpha: -0.39 (lower mid).
Sharpe: -0.49 (bottom quartile).
Information ratio: 0.08 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~9.2%).

Below is the key information for HDFC Top 100 Fund

HDFC Top 100 Fund Growth
Launch Date	11 Oct 96
NAV (31 Jul 26)	₹1,146.99 ↑ 6.51 (0.57 %)
Net Assets (Cr)	₹39,024 on 30 Jun 26
Category	Equity - Large Cap
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.61
Sharpe Ratio	-0.49
Information Ratio	0.08
Alpha Ratio	-0.39
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹11,202
31 Jul 23	₹13,653
31 Jul 24	₹18,495
31 Jul 25	₹18,044

HDFC Top 100 Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684 Invest Now

Returns for HDFC Top 100 Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Jul 26

Duration	Returns
1 Month	3%
3 Month	5.1%
6 Month	0%
1 Year	1.5%
3 Year	10.3%
5 Year	12.9%
10 Year
15 Year
Since launch	18.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.9%
2024	11.6%
2023	30%
2022	10.6%
2021	28.5%
2020	5.9%
2019	7.7%
2018	0.1%
2017	32%
2016	8.5%

Fund Manager information for HDFC Top 100 Fund

Name	Since	Tenure
Rahul Baijal	29 Jul 22	3.93 Yr.
Dhruv Muchhal	22 Jun 23	3.03 Yr.

Data below for HDFC Top 100 Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	37.34%
Consumer Cyclical	18.35%
Health Care	9.89%
Industrials	8.27%
Communication Services	5.77%
Energy	5.22%
Consumer Defensive	3.99%
Technology	2.98%
Basic Materials	2.91%
Utility	2.28%
Real Estate	0.33%

Asset Allocation

Asset Class	Value
Cash	2.17%
Equity	97.33%
Debt	0.5%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 05 \| ICICIBANK	9%	₹3,470 Cr	27,615,474
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jan 10 \| HDFCBANK	8%	₹2,885 Cr	38,752,638
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 20 \| BHARTIARTL	6%	₹2,180 Cr	11,921,785
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Aug 23 \| KOTAKBANK	6%	₹2,089 Cr	54,361,056
Reliance Industries Ltd (Energy) Equity, Since 31 Mar 06 \| RELIANCE	5%	₹1,975 Cr	14,950,234
Titan Co Ltd (Consumer Cyclical) Equity, Since 28 Feb 23 \| TITAN	4%	₹1,680 Cr	4,121,802
Torrent Pharmaceuticals Ltd (Healthcare) Equity, Since 31 Mar 25 \| TORNTPHARM	4%	₹1,403 Cr	3,180,904
Axis Bank Ltd (Financial Services) Equity, Since 31 Jan 07 \| AXISBANK	4%	₹1,378 Cr	10,711,912
Bajaj Auto Ltd (Consumer Cyclical) Equity, Since 31 Dec 20 \| BAJAJ-AUTO	3%	₹1,178 Cr	1,126,298
Bajaj Finserv Ltd (Financial Services) Equity, Since 30 Jun 25 \| BAJAJFINSV	3%	₹1,172 Cr	6,572,078 ↑ 622,490

SIP ਨਿਵੇਸ਼ ਕਿਵੇਂ ਵਧਦਾ ਹੈ?

ਇਹ ਜਾਣਨਾ ਚਾਹੁੰਦੇ ਹੋ ਕਿ ਜੇਕਰ ਤੁਸੀਂ ਕਿਸੇ ਖਾਸ ਸਮੇਂ ਲਈ ਮਹੀਨਾਵਾਰ ਇੱਕ ਨਿਸ਼ਚਿਤ ਰਕਮ ਦਾ ਨਿਵੇਸ਼ ਕਰਦੇ ਹੋ ਤਾਂ ਤੁਹਾਡਾ SIP ਨਿਵੇਸ਼ ਕਿਵੇਂ ਵਧੇਗਾ? ਅਸੀਂ ਤੁਹਾਨੂੰ ਇੱਕ ਉਦਾਹਰਣ ਦੇ ਨਾਲ ਸਮਝਾਵਾਂਗੇ।

SIP ਕੈਲਕੁਲੇਟਰ ਜਾਂ SIP ਰਿਟਰਨ ਕੈਲਕੁਲੇਟਰ

SIP ਕੈਲਕੂਲੇਟਰ ਆਮ ਤੌਰ 'ਤੇ ਇਨਪੁਟ ਲੈਂਦੇ ਹਨ ਜਿਵੇਂ ਕਿ SIP ਨਿਵੇਸ਼ ਰਕਮ (ਟੀਚਾ) ਜੋ ਨਿਵੇਸ਼ ਕਰਨਾ ਚਾਹੁੰਦਾ ਹੈ, ਲੋੜੀਂਦੇ ਨਿਵੇਸ਼ ਦੇ ਸਾਲਾਂ ਦੀ ਸੰਖਿਆ, ਉਮੀਦ ਕੀਤੀ ਜਾਂਦੀ ਹੈ।ਮਹਿੰਗਾਈ ਦਰਾਂ (ਕਿਸੇ ਨੂੰ ਇਸ ਲਈ ਲੇਖਾ ਦੇਣਾ ਚਾਹੀਦਾ ਹੈ!) ਅਤੇ ਸੰਭਾਵਿਤ ਰਿਟਰਨ। ਇਸ ਲਈ, ਕੋਈ ਟੀਚਾ ਪ੍ਰਾਪਤ ਕਰਨ ਲਈ ਲੋੜੀਂਦੇ SIP ਰਿਟਰਨਾਂ ਦੀ ਗਣਨਾ ਕਰ ਸਕਦਾ ਹੈ!

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

ਮਹੀਨਾਵਾਰ ਨਿਵੇਸ਼: INR 10,000

ਨਿਵੇਸ਼ ਦੀ ਮਿਆਦ: 10 ਸਾਲ

ਨਿਵੇਸ਼ ਕੀਤੀ ਗਈ ਕੁੱਲ ਰਕਮ: INR 12,00,000

ਲੰਬੇ ਸਮੇਂ ਦੀ ਵਿਕਾਸ ਦਰ (ਲਗਭਗ): 15%

ਦੇ ਅਨੁਸਾਰ ਸੰਭਾਵਿਤ ਰਿਟਰਨsip ਕੈਲਕੁਲੇਟਰ: 27,86,573 ਰੁਪਏ

ਕੁੱਲ ਲਾਭ: 15,86,573 ਰੁਪਏ (ਸੰਪੂਰਨ ਵਾਪਸੀ= 132.2%)

ਉਪਰੋਕਤ ਗਣਨਾਵਾਂ ਦਰਸਾਉਂਦੀਆਂ ਹਨ ਕਿ ਜੇਕਰ ਤੁਸੀਂ 10 ਸਾਲਾਂ ਲਈ INR 10,000 ਮਹੀਨਾਵਾਰ ਨਿਵੇਸ਼ ਕਰਦੇ ਹੋ (ਕੁੱਲ INR12,00,000) ਤੁਸੀਂ ਕਮਾਈ ਕਰੋਗੇ27,86,573 ਰੁਪਏ, ਜਿਸਦਾ ਮਤਲਬ ਹੈ ਕਿ ਤੁਸੀਂ ਜੋ ਸ਼ੁੱਧ ਲਾਭ ਕਮਾਉਂਦੇ ਹੋ15,86,573 ਰੁਪਏ. ਕੀ ਇਹ ਬਹੁਤ ਵਧੀਆ ਨਹੀਂ ਹੈ!

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