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8 ਸਰਵੋਤਮ ਹਾਈਬ੍ਰਿਡ ਬੈਲੇਂਸਡ ਮਿਉਚੁਅਲ ਫੰਡ 2022

Updated on September 1, 2025 , 44175 views

ਹਾਈਬ੍ਰਿਡ ਫੰਡਾਂ ਨੂੰ ਆਮ ਤੌਰ 'ਤੇ ਵੀ ਜਾਣਿਆ ਜਾਂਦਾ ਹੈਸੰਤੁਲਿਤ ਫੰਡ. ਹਾਈਬ੍ਰਿਡ ਫੰਡ ਦੀ ਇੱਕ ਕਿਸਮ ਹੈਮਿਉਚੁਅਲ ਫੰਡ ਜੋ ਇਕੁਇਟੀ ਅਤੇ ਦੋਵਾਂ ਵਿਚ ਨਿਵੇਸ਼ ਕਰਦੇ ਹਨਕਰਜ਼ਾ ਮਿਉਚੁਅਲ ਫੰਡ. ਦੂਜੇ ਸ਼ਬਦਾਂ ਵਿਚ, ਇਹ ਫੰਡ ਕਰਜ਼ੇ ਅਤੇ ਇਕੁਇਟੀ ਦੋਵਾਂ ਦੇ ਸੁਮੇਲ ਵਜੋਂ ਕੰਮ ਕਰਦਾ ਹੈ, ਜਿੱਥੇ ਲਗਭਗ 65% ਪੋਰਟਫੋਲੀਓ ਇਕੁਇਟੀ ਨੂੰ ਸਮਰਪਿਤ ਹੈ ਅਤੇ ਬਾਕੀ ਨਿਸ਼ਚਿਤ ਕਰਨ ਲਈਆਮਦਨ ਯੰਤਰ

hybrid-or-balanced-mutual-funds

ਹਾਈਬ੍ਰਿਡ ਫੰਡ ਨਿਵੇਸ਼ਕਾਂ ਲਈ ਇੱਕ ਵਧੀਆ ਵਿਕਲਪ ਹਨ ਜੋ ਡਰਦੇ ਹਨਨਿਵੇਸ਼ ਵਿੱਚਇਕੁਇਟੀ ਫੰਡ. ਇਹ ਫੰਡ ਜੋਖਮ ਵਾਲੇ ਹਿੱਸੇ ਨੂੰ ਘਟਾਏਗਾ ਅਤੇ ਸਮੇਂ ਦੇ ਨਾਲ ਅਨੁਕੂਲ ਰਿਟਰਨ ਪ੍ਰਾਪਤ ਕਰਨ ਵਿੱਚ ਵੀ ਮਦਦ ਕਰੇਗਾ। ਸਭ ਤੋਂ ਵਧੀਆ ਸੰਭਵ ਮੁਨਾਫ਼ਾ ਕਮਾਉਣ ਲਈ, ਨਿਵੇਸ਼ਕਾਂ ਨੂੰ ਸਲਾਹ ਦਿੱਤੀ ਜਾਂਦੀ ਹੈ ਕਿ ਉਹ ਸਭ ਤੋਂ ਵਧੀਆ ਹਾਈਬ੍ਰਿਡ ਮਿਉਚੁਅਲ ਫੰਡ ਜਾਂ ਸਭ ਤੋਂ ਵਧੀਆ ਸੰਤੁਲਿਤ ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨ। ਇਸ ਤਰ੍ਹਾਂ, ਤੁਹਾਡੇ ਲਈ ਨਿਵੇਸ਼ ਕਰਨ ਦੀ ਪ੍ਰਕਿਰਿਆ ਨੂੰ ਆਸਾਨ ਬਣਾਉਣ ਲਈ, ਅਸੀਂ ਹੇਠਾਂ ਦਿੱਤੇ ਲੇਖ ਵਿੱਚ 2022 - 2023 ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨ ਲਈ ਕੁਝ ਉੱਚ ਪ੍ਰਦਰਸ਼ਨ ਕਰਨ ਵਾਲੇ ਹਾਈਬ੍ਰਿਡ ਫੰਡਾਂ ਨੂੰ ਸ਼ਾਰਟਲਿਸਟ ਕੀਤਾ ਹੈ।

ਹਾਈਬ੍ਰਿਡ ਜਾਂ ਸੰਤੁਲਿਤ ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਵਿੱਚ ਕਿਉਂ ਨਿਵੇਸ਼ ਕਰੋ?

  • ਹਾਈਬ੍ਰਿਡ ਫੰਡ ਪੋਰਟਫੋਲੀਓ ਨੂੰ ਸੰਤੁਲਿਤ ਕਰਨ ਵਿੱਚ ਮਦਦ ਕਰਦੇ ਹਨ। ਜਿਵੇਂ ਕਿ ਫੰਡ ਦੋਵਾਂ ਸਟਾਕਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦਾ ਹੈ ਅਤੇਬਾਂਡ, ਨਿਵੇਸ਼ਕ ਇੱਕ ਸੰਤੁਲਿਤ ਮਿਉਚੁਅਲ ਫੰਡ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਕੇ ਆਸਾਨੀ ਨਾਲ ਇੱਕ ਸੰਤੁਲਿਤ ਪੋਰਟਫੋਲੀਓ ਬਣਾ ਸਕਦੇ ਹਨ। ਇਹ ਸਕੀਮ ਵਿਭਿੰਨਤਾ ਲਾਭ ਵੀ ਪ੍ਰਦਾਨ ਕਰਦੀ ਹੈ। ਵਿਭਿੰਨਤਾ ਸਥਿਰ ਰਿਟਰਨ ਪੈਦਾ ਕਰਨ ਵਿੱਚ ਮਦਦ ਕਰਦੀ ਹੈ; ਤਾਂ ਜੋ ਜੇਕਰ ਇੱਕ ਫੰਡ ਘੱਟ ਪ੍ਰਦਰਸ਼ਨ ਕਰਦਾ ਹੈ, ਤਾਂ ਦੂਸਰੇ ਪੋਰਟਫੋਲੀਓ ਨੂੰ ਸਥਿਰ ਕਰ ਸਕਦੇ ਹਨ। ਇਹ ਪੋਰਟਫੋਲੀਓ ਦੇ ਸਮੁੱਚੇ ਜੋਖਮ ਨੂੰ ਘਟਾ ਦੇਵੇਗਾ।

  • ਹਾਈਬ੍ਰਿਡ ਜਾਂ ਸੰਤੁਲਿਤ ਫੰਡ ਉਹਨਾਂ ਲਈ ਵੀ ਇੱਕ ਗੇਟਵੇ ਹਨ ਜੋ ਆਪਣੇ ਇਕੁਇਟੀ ਨਿਵੇਸ਼ ਸ਼ੁਰੂ ਕਰਨਾ ਚਾਹੁੰਦੇ ਹਨ। ਇਹ ਥੋੜ੍ਹੇ ਤੋਂ ਮੱਧ ਕਾਰਜਕਾਲ ਦੇ ਅੰਦਰ ਅਨੁਕੂਲ ਰਿਟਰਨ ਪ੍ਰਾਪਤ ਕਰਨ ਵਿੱਚ ਮਦਦ ਕਰੇਗਾ। ਇਹ ਲਗਾਤਾਰ ਬਦਲਦੇ ਹੋਏ ਇਕੁਇਟੀ ਦੇ ਵੱਡੇ ਪਤਨ ਨੂੰ ਵੀ ਰੋਕੇਗਾਬਜ਼ਾਰ ਹਾਲਾਤ. ਇਸ ਤੋਂ ਇਲਾਵਾ, ਹਾਈਬ੍ਰਿਡ ਫੰਡ ਇੱਕ ਮੱਧਮ ਪੱਧਰ ਦਾ ਜੋਖਮ ਰੱਖਦੇ ਹਨ, ਜਦੋਂ ਕਿ ਇਕੁਇਟੀ ਫੰਡਾਂ ਵਿੱਚ ਉੱਚ ਪੱਧਰ ਦਾ ਨਿਵੇਸ਼ ਜੋਖਮ ਹੁੰਦਾ ਹੈ।

  • ਆਦਰਸ਼ਕ ਤੌਰ 'ਤੇ, ਹਾਈਬ੍ਰਿਡ ਫੰਡ ਨਿਵੇਸ਼ਕਾਂ ਲਈ ਇੱਕ ਚੰਗਾ ਨਿਵੇਸ਼ ਵਿਕਲਪ ਹੋ ਸਕਦਾ ਹੈ ਜੋ ਚਾਹੁੰਦੇ ਹਨਮਿਉਚੁਅਲ ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰੋ. ਇਹਨਾਂ ਫੰਡਾਂ ਵਿੱਚ ਦੋਵਾਂ ਸੰਸਾਰਾਂ ਵਿੱਚ ਸਭ ਤੋਂ ਵਧੀਆ ਹੈ: ਇਕੁਇਟੀ ਦੇ ਫਾਇਦੇ ਜਦੋਂ ਕਿ ਏਪੱਕੀ ਤਨਖਾਹ ਨਿਵੇਸ਼. ਇਸ ਤਰ੍ਹਾਂ, ਨਿਵੇਸ਼ਕ ਉਪਰੋਕਤ ਸੂਚੀਬੱਧ ਸਰਵੋਤਮ ਹਾਈਬ੍ਰਿਡ ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਦੀ ਚੋਣ ਕਰ ਸਕਦੇ ਹਨ ਅਤੇ ਸਕੀਮ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਕੇ ਚੰਗਾ ਲਾਭ ਕਮਾ ਸਕਦੇ ਹਨ।

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ਵਿੱਤੀ ਸਾਲ 22 - 23 ਵਿੱਚ ਨਿਵੇਸ਼ਾਂ ਲਈ ਚੋਟੀ ਦੇ 8 ਹਾਈਬ੍ਰਿਡ ਮਿਉਚੁਅਲ ਫੰਡ

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
JM Equity Hybrid Fund Growth ₹119.671
↑ 0.46
₹8412.19.9-7.620.120.827
ICICI Prudential Equity and Debt Fund Growth ₹395.35
↑ 1.80
₹44,605313.63.919.524.317.2
BOI AXA Mid and Small Cap Equity and Debt Fund Growth ₹37.8
↑ 0.22
₹1,258-0.717.3-4.618.62325.8
Sundaram Equity Hybrid Fund Growth ₹135.137
↑ 0.78
₹1,9540.510.527.11614.2
UTI Hybrid Equity Fund Growth ₹398.191
↑ 1.82
₹6,422-0.19.4-1.715.819.219.7
Nippon India Equity Hybrid Fund Growth ₹104.271
↑ 0.53
₹3,9361.612.30.715.518.416.1
DSP Equity and Bond Fund Growth ₹352.855
↑ 0.88
₹11,436-0.89.91.515.116.517.7
Bandhan Hybrid Equity Fund Growth ₹26.002
↑ 0.14
₹1,0833.416.54.31517.721
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 25

Research Highlights & Commentary of 8 Funds showcased

CommentaryJM Equity Hybrid FundICICI Prudential Equity and Debt FundBOI AXA Mid and Small Cap Equity and Debt FundSundaram Equity Hybrid FundUTI Hybrid Equity FundNippon India Equity Hybrid FundDSP Equity and Bond FundBandhan Hybrid Equity Fund
Point 1Bottom quartile AUM (₹841 Cr).Highest AUM (₹44,605 Cr).Lower mid AUM (₹1,258 Cr).Lower mid AUM (₹1,954 Cr).Upper mid AUM (₹6,422 Cr).Upper mid AUM (₹3,936 Cr).Top quartile AUM (₹11,436 Cr).Bottom quartile AUM (₹1,083 Cr).
Point 2Oldest track record among peers (30 yrs).Established history (25+ yrs).Established history (9+ yrs).Established history (25+ yrs).Established history (30+ yrs).Established history (20+ yrs).Established history (26+ yrs).Established history (8+ yrs).
Point 3Rating: 1★ (lower mid).Top rated.Not Rated.Rating: 2★ (lower mid).Rating: 3★ (upper mid).Rating: 4★ (top quartile).Rating: 4★ (upper mid).Not Rated.
Point 4Risk profile: Moderately 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.Risk profile: Moderately High.
Point 55Y return: 20.84% (upper mid).5Y return: 24.33% (top quartile).5Y return: 23.03% (top quartile).5Y return: 14.20% (bottom quartile).5Y return: 19.16% (upper mid).5Y return: 18.37% (lower mid).5Y return: 16.55% (bottom quartile).5Y return: 17.68% (lower mid).
Point 63Y return: 20.05% (top quartile).3Y return: 19.46% (top quartile).3Y return: 18.62% (upper mid).3Y return: 16.03% (upper mid).3Y return: 15.77% (lower mid).3Y return: 15.45% (lower mid).3Y return: 15.12% (bottom quartile).3Y return: 14.98% (bottom quartile).
Point 71Y return: -7.57% (bottom quartile).1Y return: 3.95% (upper mid).1Y return: -4.59% (bottom quartile).1Y return: 27.10% (top quartile).1Y return: -1.69% (lower mid).1Y return: 0.66% (lower mid).1Y return: 1.53% (upper mid).1Y return: 4.34% (top quartile).
Point 81M return: 0.36% (lower mid).1M return: 2.09% (top quartile).1M return: 0.48% (lower mid).1M return: 1.80% (top quartile).1M return: -0.24% (bottom quartile).1M return: 0.98% (upper mid).1M return: -0.57% (bottom quartile).1M return: 1.45% (upper mid).
Point 9Alpha: -7.43 (bottom quartile).Alpha: 2.01 (upper mid).Alpha: 0.00 (lower mid).Alpha: 5.81 (top quartile).Alpha: -0.36 (bottom quartile).Alpha: 0.72 (lower mid).Alpha: 2.89 (upper mid).Alpha: 6.44 (top quartile).
Point 10Sharpe: -0.92 (bottom quartile).Sharpe: -0.18 (upper mid).Sharpe: -0.38 (lower mid).Sharpe: 2.64 (top quartile).Sharpe: -0.42 (bottom quartile).Sharpe: -0.31 (lower mid).Sharpe: -0.08 (upper mid).Sharpe: 0.10 (top quartile).

JM Equity Hybrid Fund

  • Bottom quartile AUM (₹841 Cr).
  • Oldest track record among peers (30 yrs).
  • Rating: 1★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 20.84% (upper mid).
  • 3Y return: 20.05% (top quartile).
  • 1Y return: -7.57% (bottom quartile).
  • 1M return: 0.36% (lower mid).
  • Alpha: -7.43 (bottom quartile).
  • Sharpe: -0.92 (bottom quartile).

ICICI Prudential Equity and Debt Fund

  • Highest AUM (₹44,605 Cr).
  • Established history (25+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 24.33% (top quartile).
  • 3Y return: 19.46% (top quartile).
  • 1Y return: 3.95% (upper mid).
  • 1M return: 2.09% (top quartile).
  • Alpha: 2.01 (upper mid).
  • Sharpe: -0.18 (upper mid).

BOI AXA Mid and Small Cap Equity and Debt Fund

  • Lower mid AUM (₹1,258 Cr).
  • Established history (9+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 23.03% (top quartile).
  • 3Y return: 18.62% (upper mid).
  • 1Y return: -4.59% (bottom quartile).
  • 1M return: 0.48% (lower mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.38 (lower mid).

Sundaram Equity Hybrid Fund

  • Lower mid AUM (₹1,954 Cr).
  • Established history (25+ yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 14.20% (bottom quartile).
  • 3Y return: 16.03% (upper mid).
  • 1Y return: 27.10% (top quartile).
  • 1M return: 1.80% (top quartile).
  • Alpha: 5.81 (top quartile).
  • Sharpe: 2.64 (top quartile).

UTI Hybrid Equity Fund

  • Upper mid AUM (₹6,422 Cr).
  • Established history (30+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 19.16% (upper mid).
  • 3Y return: 15.77% (lower mid).
  • 1Y return: -1.69% (lower mid).
  • 1M return: -0.24% (bottom quartile).
  • Alpha: -0.36 (bottom quartile).
  • Sharpe: -0.42 (bottom quartile).

Nippon India Equity Hybrid Fund

  • Upper mid AUM (₹3,936 Cr).
  • Established history (20+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Moderately High.
  • 5Y return: 18.37% (lower mid).
  • 3Y return: 15.45% (lower mid).
  • 1Y return: 0.66% (lower mid).
  • 1M return: 0.98% (upper mid).
  • Alpha: 0.72 (lower mid).
  • Sharpe: -0.31 (lower mid).

DSP Equity and Bond Fund

  • Top quartile AUM (₹11,436 Cr).
  • Established history (26+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 16.55% (bottom quartile).
  • 3Y return: 15.12% (bottom quartile).
  • 1Y return: 1.53% (upper mid).
  • 1M return: -0.57% (bottom quartile).
  • Alpha: 2.89 (upper mid).
  • Sharpe: -0.08 (upper mid).

Bandhan Hybrid Equity Fund

  • Bottom quartile AUM (₹1,083 Cr).
  • Established history (8+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 17.68% (lower mid).
  • 3Y return: 14.98% (bottom quartile).
  • 1Y return: 4.34% (top quartile).
  • 1M return: 1.45% (upper mid).
  • Alpha: 6.44 (top quartile).
  • Sharpe: 0.10 (top quartile).
*ਫੰਡਾਂ ਦੀ ਸੂਚੀ ਆਧਾਰਿਤ ਹੈਜਾਇਦਾਦ > 500 ਕਰੋੜ & ਕ੍ਰਮਬੱਧ3 ਸਾਲਸੀ.ਏ.ਜੀ.ਆਰ ਵਾਪਸੀ.

ਹਾਈਬ੍ਰਿਡ / ਸੰਤੁਲਿਤ ਮਿਉਚੁਅਲ ਫੰਡ ਬੇਸਿਕਸ

1. ਸੰਤੁਲਿਤ ਫੰਡਾਂ ਨੂੰ ਸਮਝਣਾ

ਭਾਰਤ ਵਿੱਚ, ਬੈਲੇਂਸ ਫੰਡ ਆਮ ਤੌਰ 'ਤੇ ਆਪਣੇ ਪੋਰਟਫੋਲੀਓ ਦਾ 65% ਸਟਾਕ/ਇਕਵਿਟੀ/ਸ਼ੇਅਰਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦੇ ਹਨ ਅਤੇ ਬਾਕੀ ਦੇ ਸਰੋਤਾਂ ਨੂੰ ਬਾਂਡਾਂ ਅਤੇ ਹੋਰ ਕਰਜ਼ੇ ਦੇ ਯੰਤਰਾਂ ਜਿਵੇਂ ਕਿ ਕਾਰਪੋਰੇਟ ਬਾਂਡ/ਸਰਕਾਰੀ ਬਾਂਡ/ਇਨਫਰਾਸਟ੍ਰਕਚਰ ਬਾਂਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦੇ ਹਨ। ਇਸ ਲਈ ਸੰਤੁਲਿਤ ਫੰਡ ਆਮ ਤੌਰ 'ਤੇ ਇਕੁਇਟੀ-ਅਧਾਰਿਤ ਹਾਈਬ੍ਰਿਡ ਫੰਡ ਹੁੰਦੇ ਹਨ। ਉਹ ਪਹਿਲੀ ਵਾਰ ਨਿਵੇਸ਼ਕਾਂ ਲਈ ਇੱਕ ਢੁਕਵੇਂ ਵਿਕਲਪ ਵਜੋਂ ਕੰਮ ਕਰਦੇ ਹਨ ਜਿਨ੍ਹਾਂ ਕੋਲ ਘੱਟ-ਜੋਖਮ ਦੀ ਭੁੱਖ. ਉਹ ਨਿਵੇਸ਼ਕਾਂ ਲਈ ਹਨ ਜੋ ਜੋਖਮ ਭਰੇ ਵਿਕਲਪਾਂ ਨੂੰ ਨਹੀਂ ਲੈਣਾ ਚਾਹੁੰਦੇ ਪਰ ਫਿਰ ਵੀ ਚਾਹੁੰਦੇ ਹਨਪੂੰਜੀ ਪ੍ਰਸ਼ੰਸਾ ਨਾਲ ਹੀ 65% ਅਤੇ 35% ਇਕੁਇਟੀ ਵਾਲੇ ਕਰਜ਼ੇ ਦੇ ਅਧਾਰਤ ਹਾਈਬ੍ਰਿਡ/ਸੰਤੁਲਿਤ ਫੰਡ ਹਨ।

2. ਹਾਈਬ੍ਰਿਡ ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਦੀਆਂ ਕਿਸਮਾਂ

ਦੁਆਰਾ ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਦੇ ਹਾਲੀਆ (ਮਾਰਚ - ਅਪ੍ਰੈਲ 2018) ਵਰਗੀਕਰਨ ਦੇ ਆਧਾਰ 'ਤੇਸੇਬੀ. ਹੇਠ ਲਿਖੇ ਅਨੁਸਾਰ ਹਾਈਬ੍ਰਿਡ ਫੰਡ ਦੀਆਂ ਕਿਸਮਾਂ।

ਟਾਈਪ ਕਰੋ ਵੇਰਵੇ
ਹਾਈਬ੍ਰਿਡ ਇਕੁਇਟੀ 65% ਇਕੁਇਟੀ 35% ਕਰਜ਼ਾ
ਹਾਈਬ੍ਰਿਡ ਕਰਜ਼ਾ 65% ਕਰਜ਼ਾ 35% ਇਕੁਇਟੀ
ਆਰਬਿਟਰੇਸ਼ਨ 100% ਇਕੁਇਟੀ ਆਰਬਿਟਰੇਜ
ਡਾਇਨਾਮਿਕ ਅਲੋਕੇਸ਼ਨ ਮੁੱਲਾਂ ਦੇ ਅਧਾਰ 'ਤੇ ਗਤੀਸ਼ੀਲ ਅਲੋਕਾਇਟਨ
ਇਕੁਇਟੀ ਬਚਤ ਆਰਬਿਟਰੇਜ਼ ਮੌਕੇ, ਇਕੁਇਟੀ/ਇਕੁਇਟੀ ਨਾਲ ਸਬੰਧਤ ਯੰਤਰਾਂ ਅਤੇ ਕਰਜ਼ੇ ਵਿੱਚ ਨਿਵੇਸ਼/ਪੈਸੇ ਦੀ ਮਾਰਕੀਟ ਯੰਤਰ
ਬਹੁ ਸੰਪਤੀ ਮਲਟੀਪਲ ਸੰਪਤੀ ਵਰਗੀਫਲੋਟਿੰਗ ਦਰ ਅਤੇ ਨਿਸ਼ਚਿਤ ਦਰ ਦੇ ਕਰਜ਼ੇ ਦੇ ਯੰਤਰ, ਇਕੁਇਟੀ, ਮਨੀ ਮਾਰਕੀਟ ਯੰਤਰ ਅਤੇ ਡੈਰੀਵੇਟਿਵਜ਼
ਸੰਤੁਲਿਤ ਹਾਈਬ੍ਰਿਡ 50% ਇਕੁਇਟੀ 50% ਕਰਜ਼ਾ

3. ਸੰਤੁਲਿਤ ਫੰਡਾਂ ਦੇ ਫਾਇਦੇ

ਬੈਲੇਂਸ ਫੰਡ ਮਿਉਚੁਅਲ ਫੰਡ ਦੇ ਇੱਕ ਸਿੰਗਲ ਡੌਕਟ ਦੇ ਰੂਪ ਵਿੱਚ ਵਿਭਿੰਨਤਾ ਦੀ ਸਹੂਲਤ ਪ੍ਰਦਾਨ ਕਰਦੇ ਹਨ। ਇੱਕਨਿਵੇਸ਼ਕ ਇਸ ਲਈ ਫੰਡਾਂ ਦਾ ਇੱਕ ਗੁਲਦਸਤਾ ਵਿਸ਼ਲੇਸ਼ਣ ਕਰਨ ਅਤੇ ਚੁਣਨ ਦੀ ਪਰੇਸ਼ਾਨੀ ਵਿੱਚੋਂ ਲੰਘਣ ਦੀ ਲੋੜ ਹੈ। ਇੱਕ ਪੇਸ਼ੇਵਰ ਸਿਖਲਾਈ ਪ੍ਰਾਪਤ ਅਤੇ ਤਜਰਬੇਕਾਰ ਫੰਡ ਮੈਨੇਜਰ ਨਿਵੇਸ਼ਕ ਲਈ ਇਹ ਕੰਮ ਕਰਦਾ ਹੈ। ਕਰਜ਼ੇ ਅਤੇ ਇਕੁਇਟੀ ਭਾਗਾਂ ਦਾ ਇੱਕ ਗਿਣਿਆ ਹੋਇਆ ਸੁਮੇਲ ਫੰਡਾਂ ਨੂੰ ਮਾਰਕੀਟ ਅਸਥਿਰਤਾ ਲਈ ਘੱਟ ਕਮਜ਼ੋਰ ਬਣਾਉਂਦਾ ਹੈ। ਫੰਡ ਦੇ ਇਕੁਇਟੀ ਭਾਗਾਂ ਦਾ ਉਦੇਸ਼ ਪੂੰਜੀ ਦੀ ਕਦਰ ਪੈਦਾ ਕਰਨਾ ਹੈ ਅਤੇ ਉਹਨਾਂ ਦੇ ਕਰਜ਼ੇ ਦੇ ਹਿੱਸੇ ਨਿਵੇਸ਼ ਨੂੰ ਅਣਕਿਆਸੇ ਬਾਜ਼ਾਰ ਸੁਧਾਰਾਂ ਤੋਂ ਬਚਾਉਣ ਲਈ ਪ੍ਰਤੀਭੂਤੀਆਂ ਵਜੋਂ ਕੰਮ ਕਰਦੇ ਹਨ।

4. ਸੰਤੁਲਿਤ ਫੰਡਾਂ ਦੇ ਨੁਕਸਾਨ

ਹਾਲਾਂਕਿ ਇਹ ਜਾਪਦਾ ਹੈ ਕਿ ਸੰਤੁਲਿਤ ਫੰਡ ਅਸਲ ਵਿੱਚ ਜੋਖਮ-ਮੁਕਤ ਹੁੰਦੇ ਹਨ, ਇਹ ਪੂਰੀ ਤਰ੍ਹਾਂ ਅਜਿਹਾ ਨਹੀਂ ਹੈ। ਸੰਤੁਲਿਤ ਫੰਡਾਂ ਦਾ ਜੋਖਮ ਦਾ ਆਪਣਾ ਹਿੱਸਾ ਹੁੰਦਾ ਹੈ। ਜਦੋਂ ਕਿ ਬਹੁਤ ਸਾਰੇ ਸਟਾਕਾਂ ਅਤੇ ਕਰਜ਼ੇ ਦੇ ਸਾਧਨਾਂ ਵਿੱਚ ਸਿੱਧੇ ਨਿਵੇਸ਼ ਦੇ ਮਾਮਲੇ ਵਿੱਚ, ਕੋਈ ਵੀ ਵਿਭਿੰਨਤਾ ਦੇ ਰੂਪ ਵਿੱਚ ਵੱਖ-ਵੱਖ ਫੰਡਾਂ ਵਿੱਚ ਸਰੋਤਾਂ ਨੂੰ ਤਬਦੀਲ ਕਰ ਸਕਦਾ ਹੈਟੈਕਸ ਯੋਜਨਾਬੰਦੀ ਜਾਂ ਦੌਲਤ ਸਿਰਜਣਾ। ਹਾਲਾਂਕਿ, ਬਕਾਇਆ ਫੰਡਾਂ ਵਿੱਚ, ਕਿਉਂਕਿ ਸਰੋਤ ਵੰਡ ਦਾ ਫੈਸਲਾ ਫੰਡ ਮੈਨੇਜਰ ਕੋਲ ਹੁੰਦਾ ਹੈ, ਅਨੁਕੂਲਿਤ ਵਿਭਿੰਨਤਾ ਸੰਭਵ ਨਹੀਂ ਹੈ।

5. ਬਿਹਤਰ ਜੋਖਮ-ਆਧਾਰਿਤ ਰਿਟਰਨ

ਸੰਤੁਲਿਤ ਫੰਡਾਂ ਨੇ ਇਕੁਇਟੀ ਰਿਟਰਨ ਦੇ ਮੁਕਾਬਲੇ ਲੰਬੇ ਸਮੇਂ ਵਿੱਚ ਬਿਹਤਰ ਜੋਖਮ-ਅਨੁਕੂਲ ਰਿਟਰਨ ਦਿੱਤੇ ਹਨ। ਹੇਠਾਂ ਦਿੱਤੀ ਗਈ ਇੱਕ ਤੁਲਨਾ ਕੁਝ ਖਾਸ ਧਾਰਨਾਵਾਂ 'ਤੇ ਅਧਾਰਤ ਹੈ ਜੋ ਭਵਿੱਖ ਵਿੱਚ ਸਮੇਂ-ਸਮੇਂ 'ਤੇ ਬਦਲ ਸਕਦੀ ਹੈ।

ਫੰਡ ਸ਼੍ਰੇਣੀ 5-ਸਾਲ ਦੀ ਰੋਲਿੰਗ ਰਿਟਰਨ ਜੋਖਮ ਅਧਾਰਤ ਐਸ.ਟੀ.ਡੀ. ਭਟਕਣਾ
ਸੰਤੁਲਿਤ ਫੰਡ 13.20% 2.9
ਵੱਡੇ ਕੈਪ ਫੰਡ 12.90% 3.47
ਮਿਡ-ਕੈਪ ਅਤੇ ਵੱਡੇ ਕੈਪ ਫੰਡ 13.96% 3. 82
ਵਿਵਿਧ ਫੰਡ 14.91% 3. 96

1. JM Equity Hybrid Fund

(Erstwhile JM Balanced Fund)

To provide steady current income as well as long term growth of capital.

Research Highlights for JM Equity Hybrid Fund

  • Bottom quartile AUM (₹841 Cr).
  • Oldest track record among peers (30 yrs).
  • Rating: 1★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 20.84% (upper mid).
  • 3Y return: 20.05% (top quartile).
  • 1Y return: -7.57% (bottom quartile).
  • 1M return: 0.36% (lower mid).
  • Alpha: -7.43 (bottom quartile).
  • Sharpe: -0.92 (bottom quartile).
  • Information ratio: 1.07 (upper mid).

Below is the key information for JM Equity Hybrid Fund

JM Equity Hybrid Fund
Growth
Launch Date 1 Apr 95
NAV (03 Sep 25) ₹119.671 ↑ 0.46   (0.39 %)
Net Assets (Cr) ₹841 on 31 Jul 25
Category Hybrid - Hybrid Equity
AMC JM Financial Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 2.3
Sharpe Ratio -0.92
Information Ratio 1.07
Alpha Ratio -7.43
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-60 Days (1%),60 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹14,810
31 Aug 22₹15,114
31 Aug 23₹18,943
31 Aug 24₹28,366
31 Aug 25₹25,821

JM Equity Hybrid Fund SIP Returns

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

Returns for JM Equity Hybrid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 25

DurationReturns
1 Month 0.4%
3 Month 2.1%
6 Month 9.9%
1 Year -7.6%
3 Year 20.1%
5 Year 20.8%
10 Year
15 Year
Since launch 12.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 27%
2023 33.8%
2022 8.1%
2021 22.9%
2020 30.5%
2019 -8.1%
2018 1.7%
2017 18.5%
2016 3%
2015 -0.2%
Fund Manager information for JM Equity Hybrid Fund
NameSinceTenure
Satish Ramanathan1 Oct 240.92 Yr.
Asit Bhandarkar31 Dec 213.67 Yr.
Ruchi Fozdar4 Oct 240.91 Yr.
Deepak Gupta11 Apr 250.39 Yr.

Data below for JM Equity Hybrid Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash5.64%
Equity77.43%
Debt16.93%
Equity Sector Allocation
SectorValue
Financial Services19.12%
Technology14.68%
Industrials13.31%
Consumer Cyclical12.18%
Basic Materials6.7%
Communication Services4.1%
Health Care3.68%
Consumer Defensive3.66%
Debt Sector Allocation
SectorValue
Corporate10.67%
Government7.97%
Cash Equivalent3.93%
Credit Quality
RatingValue
AA5.15%
AAA94.85%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 24 | BHARTIARTL
4%₹34 Cr180,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 May 21 | LT
4%₹32 Cr88,520
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Jun 24 | HDFCBANK
4%₹30 Cr150,000
↓ -10,000
Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 31 May 25 | MCX
3%₹28 Cr36,000
↓ -3,000
Tech Mahindra Ltd (Technology)
Equity, Since 31 Dec 23 | 532755
3%₹27 Cr185,000
Ujjivan Small Finance Bank Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Jan 25 | UJJIVANSFB
3%₹26 Cr5,950,865
↑ 74,399
Bajaj Finance Ltd (Financial Services)
Equity, Since 31 Jan 25 | 500034
3%₹26 Cr290,040
↓ -25,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 21 | ICICIBANK
3%₹25 Cr170,114
InterGlobe Aviation Ltd (Industrials)
Equity, Since 30 Jun 25 | INDIGO
3%₹24 Cr40,000
Waaree Energies Ltd (Technology)
Equity, Since 31 May 25 | 544277
3%₹23 Cr77,000
↓ -3,000

2. ICICI Prudential Equity and Debt Fund

(Erstwhile ICICI Prudential Balanced Fund)

To generate long term capital appreciation and current income from a portfolio that is invested in equity and equity related securities as well as in fixed income securities.

Research Highlights for ICICI Prudential Equity and Debt Fund

  • Highest AUM (₹44,605 Cr).
  • Established history (25+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 24.33% (top quartile).
  • 3Y return: 19.46% (top quartile).
  • 1Y return: 3.95% (upper mid).
  • 1M return: 2.09% (top quartile).
  • Alpha: 2.01 (upper mid).
  • Sharpe: -0.18 (upper mid).
  • Information ratio: 2.06 (top quartile).

Below is the key information for ICICI Prudential Equity and Debt Fund

ICICI Prudential Equity and Debt Fund
Growth
Launch Date 3 Nov 99
NAV (03 Sep 25) ₹395.35 ↑ 1.80   (0.46 %)
Net Assets (Cr) ₹44,605 on 31 Jul 25
Category Hybrid - Hybrid Equity
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 1.6
Sharpe Ratio -0.19
Information Ratio 2.06
Alpha Ratio 2.01
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 Aug 20₹10,000
31 Aug 21₹15,332
31 Aug 22₹17,708
31 Aug 23₹20,751
31 Aug 24₹28,858
31 Aug 25₹29,677

ICICI Prudential Equity and Debt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833
Invest Now

Returns for ICICI Prudential Equity and Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 25

DurationReturns
1 Month 2.1%
3 Month 3%
6 Month 13.6%
1 Year 3.9%
3 Year 19.5%
5 Year 24.3%
10 Year
15 Year
Since launch 15.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024 17.2%
2023 28.2%
2022 11.7%
2021 41.7%
2020 9%
2019 9.3%
2018 -1.9%
2017 24.8%
2016 13.7%
2015 2.1%
Fund Manager information for ICICI Prudential Equity and Debt Fund
NameSinceTenure
Sankaran Naren7 Dec 159.74 Yr.
Manish Banthia19 Sep 1311.96 Yr.
Mittul Kalawadia29 Dec 204.68 Yr.
Akhil Kakkar22 Jan 241.61 Yr.
Sri Sharma30 Apr 214.34 Yr.
Sharmila D’mello31 Jul 223.09 Yr.
Nitya Mishra4 Nov 240.82 Yr.

Data below for ICICI Prudential Equity and Debt Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash7.79%
Equity77.34%
Debt14.87%
Equity Sector Allocation
SectorValue
Financial Services20.33%
Consumer Cyclical12.75%
Energy7.99%
Industrials6.24%
Health Care6.23%
Utility6.07%
Consumer Defensive5.41%
Technology4.54%
Communication Services2.66%
Real Estate2.57%
Basic Materials2.53%
Debt Sector Allocation
SectorValue
Corporate11.55%
Government8.13%
Cash Equivalent2.98%
Credit Quality
RatingValue
A3.21%
AA19.53%
AAA77.26%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jul 12 | ICICIBANK
6%₹2,712 Cr18,309,865
↓ -374,500
NTPC Ltd (Utilities)
Equity, Since 28 Feb 17 | 532555
6%₹2,493 Cr74,574,915
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Jul 21 | MARUTI
5%₹2,163 Cr1,715,417
Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 22 | RELIANCE
5%₹2,062 Cr14,832,605
↑ 3,514,713
Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 May 16 | SUNPHARMA
4%₹2,001 Cr11,723,757
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 21 | HDFCBANK
4%₹1,955 Cr9,687,952
Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 21 | 532215
4%₹1,660 Cr15,534,275
↑ 1,837,500
Avenue Supermarts Ltd (Consumer Defensive)
Equity, Since 31 Jan 23 | 540376
3%₹1,319 Cr3,090,730
↑ 100
TVS Motor Co Ltd (Consumer Cyclical)
Equity, Since 28 Feb 18 | 532343
3%₹1,192 Cr4,255,345
Infosys Ltd (Technology)
Equity, Since 30 Jun 16 | INFY
3%₹1,131 Cr7,492,013
↑ 2,593,931

3. BOI AXA Mid and Small Cap Equity and Debt Fund

(Erstwhile BOI AXA Mid Cap Equity And Debt Fund)

The scheme's objective is to provide capital appreciation and income distribution to investors from a portfolio constituting of mid cap equity and equity related securities as well as fixed income securities.However there can be no assurance that the investment objectives of the Scheme will be realized

Research Highlights for BOI AXA Mid and Small Cap Equity and Debt Fund

  • Lower mid AUM (₹1,258 Cr).
  • Established history (9+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 23.03% (top quartile).
  • 3Y return: 18.62% (upper mid).
  • 1Y return: -4.59% (bottom quartile).
  • 1M return: 0.48% (lower mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.38 (lower mid).
  • Information ratio: 0.00 (bottom quartile).

Below is the key information for BOI AXA Mid and Small Cap Equity and Debt Fund

BOI AXA Mid and Small Cap Equity and Debt Fund
Growth
Launch Date 20 Jul 16
NAV (03 Sep 25) ₹37.8 ↑ 0.22   (0.59 %)
Net Assets (Cr) ₹1,258 on 31 Jul 25
Category Hybrid - Hybrid Equity
AMC BOI AXA Investment Mngrs Private Ltd
Rating Not Rated
Risk Moderately High
Expense Ratio 2.27
Sharpe Ratio -0.39
Information Ratio 0
Alpha Ratio 0
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 Aug 20₹10,000
31 Aug 21₹16,993
31 Aug 22₹17,138
31 Aug 23₹20,673
31 Aug 24₹30,490
31 Aug 25₹28,432

BOI AXA Mid and Small Cap Equity and Debt Fund SIP Returns

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

Returns for BOI AXA Mid and Small Cap Equity and Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 25

DurationReturns
1 Month 0.5%
3 Month -0.7%
6 Month 17.3%
1 Year -4.6%
3 Year 18.6%
5 Year 23%
10 Year
15 Year
Since launch 15.7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 25.8%
2023 33.7%
2022 -4.8%
2021 54.5%
2020 31.1%
2019 -4.7%
2018 -14.2%
2017 47.1%
2016
2015
Fund Manager information for BOI AXA Mid and Small Cap Equity and Debt Fund
NameSinceTenure
Alok Singh16 Feb 178.54 Yr.

Data below for BOI AXA Mid and Small Cap Equity and Debt Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash15.99%
Equity69.56%
Debt14.45%
Equity Sector Allocation
SectorValue
Basic Materials16.26%
Financial Services12.74%
Industrials11.73%
Health Care8.54%
Technology8.21%
Consumer Cyclical6.2%
Consumer Defensive3.94%
Energy1%
Utility0.94%
Debt Sector Allocation
SectorValue
Government10.85%
Corporate10.78%
Cash Equivalent8.81%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Coforge Ltd (Technology)
Equity, Since 31 May 20 | COFORGE
4%₹46 Cr264,000
Jindal Stainless Ltd (Basic Materials)
Equity, Since 30 Sep 21 | JSL
3%₹39 Cr566,000
Housing & Urban Development Corp Ltd (Financial Services)
Equity, Since 31 May 24 | HUDCO
3%₹34 Cr1,580,000
Lloyds Metals & Energy Ltd (Basic Materials)
Equity, Since 28 Feb 25 | 512455
3%₹33 Cr222,000
Glenmark Pharmaceuticals Ltd (Healthcare)
Equity, Since 31 Jul 25 | 532296
3%₹32 Cr150,000
↑ 150,000
PB Fintech Ltd (Financial Services)
Equity, Since 29 Feb 24 | 543390
2%₹26 Cr145,000
Bharat Dynamics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jul 24 | BDL
2%₹26 Cr159,000
Hindustan Copper Ltd (Basic Materials)
Equity, Since 31 Oct 24 | 513599
2%₹26 Cr1,050,000
Eris Lifesciences Ltd Registered Shs (Healthcare)
Equity, Since 31 Jul 23 | ERIS
2%₹25 Cr138,000
Swan Corp Ltd (Industrials)
Equity, Since 31 Dec 23 | SWANENERGY
2%₹25 Cr525,000
↑ 50,000

4. Sundaram Equity Hybrid Fund

(Erstwhile Sundaram Balanced Fund)

The scheme seeks to generate capital appreciation and current income through a judicious mix of investments in equities and fixed income securities.

Research Highlights for Sundaram Equity Hybrid Fund

  • Lower mid AUM (₹1,954 Cr).
  • Established history (25+ yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 14.20% (bottom quartile).
  • 3Y return: 16.03% (upper mid).
  • 1Y return: 27.10% (top quartile).
  • 1M return: 1.80% (top quartile).
  • Alpha: 5.81 (top quartile).
  • Sharpe: 2.64 (top quartile).
  • Information ratio: -0.12 (bottom quartile).

Below is the key information for Sundaram Equity Hybrid Fund

Sundaram Equity Hybrid Fund
Growth
Launch Date 23 Jun 00
NAV (31 Dec 21) ₹135.137 ↑ 0.78   (0.58 %)
Net Assets (Cr) ₹1,954 on 30 Nov 21
Category Hybrid - Hybrid Equity
AMC Sundaram Asset Management Company Ltd
Rating
Risk Moderately High
Expense Ratio 2.18
Sharpe Ratio 2.64
Information Ratio -0.12
Alpha Ratio 5.81
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 Aug 20₹10,000
31 Aug 21₹14,231

Sundaram Equity Hybrid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710
Invest Now

Returns for Sundaram Equity Hybrid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 25

DurationReturns
1 Month 1.8%
3 Month 0.5%
6 Month 10.5%
1 Year 27.1%
3 Year 16%
5 Year 14.2%
10 Year
15 Year
Since launch 12.8%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for Sundaram Equity Hybrid Fund
NameSinceTenure

Data below for Sundaram Equity Hybrid Fund as on 30 Nov 21

Asset Allocation
Asset ClassValue
Equity Sector Allocation
SectorValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

5. UTI Hybrid Equity Fund

(Erstwhile UTI Balanced Fund)

The scheme aims to invest in a portfolio of equity/equity related securities and fixed income securities (debt and money market securities) with a view to generating regular income together with capital appreciation.

Research Highlights for UTI Hybrid Equity Fund

  • Upper mid AUM (₹6,422 Cr).
  • Established history (30+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 19.16% (upper mid).
  • 3Y return: 15.77% (lower mid).
  • 1Y return: -1.69% (lower mid).
  • 1M return: -0.24% (bottom quartile).
  • Alpha: -0.36 (bottom quartile).
  • Sharpe: -0.42 (bottom quartile).
  • Information ratio: 1.59 (top quartile).

Below is the key information for UTI Hybrid Equity Fund

UTI Hybrid Equity Fund
Growth
Launch Date 2 Jan 95
NAV (03 Sep 25) ₹398.191 ↑ 1.82   (0.46 %)
Net Assets (Cr) ₹6,422 on 31 Jul 25
Category Hybrid - Hybrid Equity
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately High
Expense Ratio 1.88
Sharpe Ratio -0.42
Information Ratio 1.59
Alpha Ratio -0.36
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 Aug 20₹10,000
31 Aug 21₹14,730
31 Aug 22₹15,700
31 Aug 23₹18,107
31 Aug 24₹24,653
31 Aug 25₹24,051

UTI Hybrid Equity Fund SIP Returns

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

Returns for UTI Hybrid Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 25

DurationReturns
1 Month -0.2%
3 Month -0.1%
6 Month 9.4%
1 Year -1.7%
3 Year 15.8%
5 Year 19.2%
10 Year
15 Year
Since launch 15%
Historical performance (Yearly) on absolute basis
YearReturns
2024 19.7%
2023 25.5%
2022 5.6%
2021 30.5%
2020 13.2%
2019 2.5%
2018 -5.6%
2017 25.7%
2016 8.8%
2015 2.4%
Fund Manager information for UTI Hybrid Equity Fund
NameSinceTenure
V Srivatsa24 Sep 0915.95 Yr.
Sunil Patil5 Feb 187.57 Yr.

Data below for UTI Hybrid Equity Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash2.48%
Equity69.01%
Debt28.51%
Equity Sector Allocation
SectorValue
Financial Services23.12%
Technology6.89%
Consumer Cyclical6.45%
Industrials5.43%
Health Care4.94%
Energy4.93%
Basic Materials4.75%
Communication Services4.56%
Consumer Defensive4.54%
Real Estate1.74%
Utility1.64%
Debt Sector Allocation
SectorValue
Government19.78%
Corporate8.49%
Cash Equivalent2.72%
Credit Quality
RatingValue
AA1%
AAA99%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 29 Feb 20 | HDFCBANK
7%₹437 Cr2,163,223
↓ -40,208
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 10 | ICICIBANK
6%₹358 Cr2,418,644
6.92% Govt Stock 2039
Sovereign Bonds | -
3%₹224 Cr2,200,000,000
Infosys Ltd (Technology)
Equity, Since 31 Mar 06 | INFY
3%₹216 Cr1,429,346
↑ 97,419
ITC Ltd (Consumer Defensive)
Equity, Since 31 Aug 06 | ITC
3%₹172 Cr4,164,106
7.23% Govt Stock 2039
Sovereign Bonds | -
3%₹168 Cr1,600,000,000
↓ -700,000,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Dec 19 | RELIANCE
2%₹151 Cr1,085,588
7.18% Govt Stock 2037
Sovereign Bonds | -
2%₹149 Cr1,425,000,000
7.32% Govt Stock 2030
Sovereign Bonds | -
2%₹126 Cr1,200,000,000
InterGlobe Aviation Ltd (Industrials)
Equity, Since 30 Nov 22 | INDIGO
2%₹126 Cr213,657

6. Nippon India Equity Hybrid Fund

(Erstwhile Reliance Regular Savings Fund - Balanced Plan)

The primary investment objective of this option is to generate consistent returns and appreciation of capital by investing in mix of securities comprising of Equity, Equity related instruments & fixed income instruments.

Research Highlights for Nippon India Equity Hybrid Fund

  • Upper mid AUM (₹3,936 Cr).
  • Established history (20+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Moderately High.
  • 5Y return: 18.37% (lower mid).
  • 3Y return: 15.45% (lower mid).
  • 1Y return: 0.66% (lower mid).
  • 1M return: 0.98% (upper mid).
  • Alpha: 0.72 (lower mid).
  • Sharpe: -0.31 (lower mid).
  • Information ratio: 1.26 (upper mid).

Below is the key information for Nippon India Equity Hybrid Fund

Nippon India Equity Hybrid Fund
Growth
Launch Date 8 Jun 05
NAV (03 Sep 25) ₹104.271 ↑ 0.53   (0.51 %)
Net Assets (Cr) ₹3,936 on 31 Jul 25
Category Hybrid - Hybrid Equity
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderately High
Expense Ratio 1.98
Sharpe Ratio -0.31
Information Ratio 1.26
Alpha Ratio 0.72
Min Investment 500
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 Aug 20₹10,000
31 Aug 21₹14,500
31 Aug 22₹15,355
31 Aug 23₹17,701
31 Aug 24₹23,370
31 Aug 25₹23,206

Nippon India Equity Hybrid Fund SIP Returns

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

Returns for Nippon India Equity Hybrid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 25

DurationReturns
1 Month 1%
3 Month 1.6%
6 Month 12.3%
1 Year 0.7%
3 Year 15.5%
5 Year 18.4%
10 Year
15 Year
Since launch 12.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024 16.1%
2023 24.1%
2022 6.6%
2021 27.8%
2020 -5.3%
2019 3%
2018 -4.9%
2017 29.5%
2016 4.2%
2015 8.7%
Fund Manager information for Nippon India Equity Hybrid Fund
NameSinceTenure
Meenakshi Dawar10 Sep 213.98 Yr.
Kinjal Desai25 May 187.27 Yr.
Sushil Budhia1 Feb 205.58 Yr.

Data below for Nippon India Equity Hybrid Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash4.92%
Equity76.18%
Debt18.9%
Equity Sector Allocation
SectorValue
Financial Services24.95%
Industrials10.28%
Consumer Cyclical7.55%
Technology6.31%
Health Care5.19%
Utility4.25%
Real Estate3.87%
Energy3.77%
Communication Services3.62%
Consumer Defensive3.58%
Basic Materials2.81%
Debt Sector Allocation
SectorValue
Corporate12.02%
Government6.88%
Cash Equivalent4.92%
Credit Quality
RatingValue
A3.1%
AA46.48%
AAA50.43%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 10 | HDFCBANK
6%₹239 Cr1,182,356
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Apr 12 | ICICIBANK
5%₹183 Cr1,236,000
↓ -14,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 28 Feb 13 | LT
3%₹129 Cr354,838
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Dec 19 | BHARTIARTL
3%₹122 Cr635,000
↓ -30,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 14 | RELIANCE
3%₹112 Cr806,000
Infosys Ltd (Technology)
Equity, Since 28 Feb 11 | INFY
3%₹110 Cr730,000
Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | 532215
3%₹100 Cr933,200
NTPC Ltd (Utilities)
Equity, Since 31 Aug 20 | 532555
2%₹94 Cr2,800,620
State Bank of India (Financial Services)
Equity, Since 31 Jul 16 | SBIN
2%₹80 Cr1,010,000
Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 31 Aug 20 | M&M
2%₹75 Cr235,000

7. DSP Equity and Bond Fund

Seeks to generate long term capital appreciation and current income from a portfolio constituted of equity and equity related securities as well as fixed income securities.

Research Highlights for DSP Equity and Bond Fund

  • Top quartile AUM (₹11,436 Cr).
  • Established history (26+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 16.55% (bottom quartile).
  • 3Y return: 15.12% (bottom quartile).
  • 1Y return: 1.53% (upper mid).
  • 1M return: -0.57% (bottom quartile).
  • Alpha: 2.89 (upper mid).
  • Sharpe: -0.08 (upper mid).
  • Information ratio: 0.83 (lower mid).

Below is the key information for DSP Equity and Bond Fund

DSP Equity and Bond Fund
Growth
Launch Date 27 May 99
NAV (03 Sep 25) ₹352.855 ↑ 0.88   (0.25 %)
Net Assets (Cr) ₹11,436 on 31 Jul 25
Category Hybrid - Hybrid Equity
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk Moderately High
Expense Ratio 1.76
Sharpe Ratio -0.09
Information Ratio 0.83
Alpha Ratio 2.89
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 Aug 20₹10,000
31 Aug 21₹14,541
31 Aug 22₹14,267
31 Aug 23₹16,262
31 Aug 24₹21,310
31 Aug 25₹21,569

DSP Equity and Bond Fund SIP Returns

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

Returns for DSP Equity and Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 25

DurationReturns
1 Month -0.6%
3 Month -0.8%
6 Month 9.9%
1 Year 1.5%
3 Year 15.1%
5 Year 16.5%
10 Year
15 Year
Since launch 14.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 17.7%
2023 25.3%
2022 -2.7%
2021 24.2%
2020 17%
2019 14.2%
2018 -5.1%
2017 27.6%
2016 8.3%
2015 4.8%
Fund Manager information for DSP Equity and Bond Fund
NameSinceTenure
Abhishek Singh1 Mar 241.5 Yr.
Shantanu Godambe1 Aug 241.08 Yr.

Data below for DSP Equity and Bond Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash2.87%
Equity66.96%
Debt30.16%
Other0.01%
Equity Sector Allocation
SectorValue
Financial Services28.51%
Consumer Cyclical9.94%
Health Care9.5%
Consumer Defensive5.46%
Technology4.42%
Utility3.36%
Basic Materials2.96%
Communication Services1.04%
Energy0.9%
Industrials0.88%
Debt Sector Allocation
SectorValue
Government23.79%
Corporate6.58%
Cash Equivalent2.66%
Credit Quality
RatingValue
AA7.75%
AAA92.25%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 14 | HDFCBANK
8%₹862 Cr4,270,582
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Nov 15 | ICICIBANK
5%₹575 Cr3,882,861
7.81% Govt Stock 2033
Sovereign Bonds | -
4%₹454 Cr42,500,000
SBI Life Insurance Co Ltd (Financial Services)
Equity, Since 30 Apr 24 | SBILIFE
4%₹426 Cr2,312,135
Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | M&M
4%₹422 Cr1,317,286
8.17% Govt Stock 2044
Sovereign Bonds | -
3%₹377 Cr32,500,000
Cipla Ltd (Healthcare)
Equity, Since 31 May 24 | 500087
3%₹335 Cr2,156,479
Samvardhana Motherson International Ltd (Consumer Cyclical)
Equity, Since 31 Mar 21 | MOTHERSON
3%₹302 Cr31,065,094
ITC Ltd (Consumer Defensive)
Equity, Since 31 Mar 24 | ITC
3%₹296 Cr7,193,074
Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | 532215
3%₹296 Cr2,769,013

8. Bandhan Hybrid Equity Fund

(Erstwhile IDFC Balanced Fund)

The Fund seeks to generate long term capital appreciation along with current income by investing in a mix of equity and equity related securities, debt securities and money market instruments. There is no assurance or guarantee that the objectives of the scheme will be realised.

Research Highlights for Bandhan Hybrid Equity Fund

  • Bottom quartile AUM (₹1,083 Cr).
  • Established history (8+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 17.68% (lower mid).
  • 3Y return: 14.98% (bottom quartile).
  • 1Y return: 4.34% (top quartile).
  • 1M return: 1.45% (upper mid).
  • Alpha: 6.44 (top quartile).
  • Sharpe: 0.10 (top quartile).
  • Information ratio: 0.50 (lower mid).

Below is the key information for Bandhan Hybrid Equity Fund

Bandhan Hybrid Equity Fund
Growth
Launch Date 30 Dec 16
NAV (03 Sep 25) ₹26.002 ↑ 0.14   (0.54 %)
Net Assets (Cr) ₹1,083 on 31 Jul 25
Category Hybrid - Hybrid Equity
AMC IDFC Asset Management Company Limited
Rating Not Rated
Risk Moderately High
Expense Ratio 2.35
Sharpe Ratio 0.1
Information Ratio 0.5
Alpha Ratio 6.44
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 Aug 20₹10,000
31 Aug 21₹14,916
31 Aug 22₹15,187
31 Aug 23₹16,857
31 Aug 24₹22,034
31 Aug 25₹22,641

Bandhan Hybrid Equity Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047
Invest Now

Returns for Bandhan Hybrid Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 25

DurationReturns
1 Month 1.5%
3 Month 3.4%
6 Month 16.5%
1 Year 4.3%
3 Year 15%
5 Year 17.7%
10 Year
15 Year
Since launch 11.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 21%
2023 20.4%
2022 -1.1%
2021 30.8%
2020 13.9%
2019 4.7%
2018 -3.8%
2017 16.2%
2016
2015
Fund Manager information for Bandhan Hybrid Equity Fund
NameSinceTenure
Harshal Joshi28 Jul 214.1 Yr.
Brijesh Shah10 Jun 241.23 Yr.
Prateek Poddar7 Jun 241.23 Yr.
Ritika Behera7 Oct 231.9 Yr.
Gaurav Satra7 Jun 241.23 Yr.

Data below for Bandhan Hybrid Equity Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash1.03%
Equity78.93%
Debt20.03%
Equity Sector Allocation
SectorValue
Financial Services20.1%
Consumer Cyclical11.22%
Technology10.67%
Health Care7.79%
Industrials6.81%
Basic Materials5.33%
Energy4.38%
Consumer Defensive3.94%
Utility3.63%
Real Estate2.74%
Communication Services2.03%
Debt Sector Allocation
SectorValue
Government17.51%
Corporate2.52%
Cash Equivalent1.03%
Credit Quality
RatingValue
AA5.64%
AAA94.36%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.3% Govt Stock 2053
Sovereign Bonds | -
9%₹100 Cr9,700,000
↑ 2,000,000
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Jun 24 | HDFCBANK
6%₹64 Cr318,147
↑ 43,378
Indian Railway Finance Corporation Limited
Debentures | -
5%₹56 Cr5,500,000
↑ 3,000,000
Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 20 | RELIANCE
4%₹47 Cr340,914
↑ 30,067
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jul 24 | ICICIBANK
4%₹47 Cr314,048
↑ 30,261
Eternal Ltd (Consumer Cyclical)
Equity, Since 31 May 24 | 543320
3%₹29 Cr957,164
↑ 84,558
Infosys Ltd (Technology)
Equity, Since 31 Jan 17 | INFY
2%₹26 Cr172,913
↑ 11,524
NTPC Ltd (Utilities)
Equity, Since 28 Feb 23 | 532555
2%₹25 Cr744,061
↑ 102,291
Axis Bank Ltd (Financial Services)
Equity, Since 31 Jan 17 | 532215
2%₹24 Cr223,238
↑ 8,877
One97 Communications Ltd (Technology)
Equity, Since 31 Oct 24 | 543396
2%₹23 Cr214,608
↑ 4,448

ਟੈਕਸ ਪ੍ਰਭਾਵ

ਔਸਤਨ 65% ਜਾਂ ਇਸ ਤੋਂ ਵੱਧ ਦੇ ਇਕੁਇਟੀ ਐਕਸਪੋਜ਼ਰ ਵਾਲੇ ਸਾਰੇ ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਨੂੰ ਟੈਕਸ ਦੇ ਉਦੇਸ਼ ਲਈ ਇਕੁਇਟੀ ਸੰਪਤੀ ਸ਼੍ਰੇਣੀ ਮੰਨਿਆ ਜਾਂਦਾ ਹੈ। ਇਸ ਲਈ ਛੋਟੀ ਮਿਆਦ ਦੇਪੂੰਜੀ ਲਾਭ ਭਾਵ ਇਕੁਇਟੀ-ਅਧਾਰਿਤ ਬਕਾਇਆ ਦੇ ਇੱਕ ਸਾਲ ਦੇ ਨਾਲ ਬੁੱਕ ਕੀਤੇ ਗਏ ਲਾਭਾਂ 'ਤੇ 15% ਟੈਕਸ ਲਗਾਇਆ ਜਾਂਦਾ ਹੈ। ਜੇਕਰ ਇਹ ਫੰਡ 12 ਮਹੀਨਿਆਂ ਤੋਂ ਵੱਧ ਸਮੇਂ ਲਈ ਰੱਖੇ ਜਾਂਦੇ ਹਨ, ਤਾਂ ਉਹਨਾਂ ਦੇ ਲੰਬੇ ਸਮੇਂ ਦੇ ਪੂੰਜੀ ਲਾਭਾਂ 'ਤੇ 10% ਟੈਕਸ ਲਗਾਇਆ ਜਾਂਦਾ ਹੈ ਜੇਕਰ ਬੁੱਕ ਕੀਤੇ ਲਾਭ ਰੁਪਏ ਤੋਂ ਵੱਧ ਹਨ। 1 ਲੱਖ (2018 ਦੇ ਨਵੀਨਤਮ ਬਜਟ ਅਨੁਸਾਰ)।

ਕਰਜ਼ੇ ਲਈ ਹਾਈਬ੍ਰਿਡ ਫੰਡ ਟੈਕਸ ਕਿਸੇ ਵੀ ਹੋਰ ਕਰਜ਼ੇ ਦੇ ਸਾਧਨ ਦੇ ਰੂਪ ਵਿੱਚ ਸੂਚਕਾਂਕ ਲਾਭ ਦੇ ਨਾਲ 20% ਹੈ ਜੇਕਰ ਹੋਲਡਿੰਗ 3 ਸਾਲ ਜਾਂ ਇਸ ਤੋਂ ਵੱਧ ਹੈ। ਥੋੜ੍ਹੇ ਸਮੇਂ ਲਈ ਟੈਕਸ ਦੀ ਮਾਮੂਲੀ ਦਰ (ਟੈਕਸ ਸਲੈਬ ਦੇ ਅਨੁਸਾਰ) 'ਤੇ ਟੈਕਸ ਲਗਾਇਆ ਜਾਂਦਾ ਹੈ।

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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।
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