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2022 ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨ ਲਈ ਚੋਟੀ ਦੇ 5 ਮਿਉਚੁਅਲ ਫੰਡ

Updated on December 17, 2025 , 38169 views

ਮਿਉਚੁਅਲ ਫੰਡ ਦੇਰ ਨਾਲ ਨਿਵੇਸ਼ ਦਾ ਇੱਕ ਪ੍ਰਸਿੱਧ ਢੰਗ ਬਣ ਗਿਆ ਹੈ, ਅਤੇ ਬਹੁਤ ਸਾਰੇ ਨਿਵੇਸ਼ਕ ਇਸ ਵੱਲ ਝੁਕ ਰਹੇ ਹਨਨਿਵੇਸ਼ ਇਸ ਵਿੱਚ. ਮਿਉਚੁਅਲ ਫੰਡ ਨਾ ਸਿਰਫ਼ ਚੰਗੇ ਰਿਟਰਨ ਦੀ ਪੇਸ਼ਕਸ਼ ਕਰਦੇ ਹਨ, ਬਲਕਿ ਪ੍ਰਾਪਤ ਕਰਨ ਦਾ ਇੱਕ ਯੋਜਨਾਬੱਧ ਮੌਕਾ ਵੀ ਦਿੰਦੇ ਹਨਵਿੱਤੀ ਟੀਚੇ, ਜੋ ਕਿ ਅਜੋਕੇ ਸਮੇਂ ਵਿੱਚ ਉਹਨਾਂ ਦੀ ਪ੍ਰਸਿੱਧੀ ਦਾ ਇੱਕ ਕਾਰਨ ਹੈ। ਹਾਲਾਂਕਿ, ਲੋੜੀਂਦੇ ਨਿਵੇਸ਼ ਟੀਚੇ ਨੂੰ ਪ੍ਰਾਪਤ ਕਰਨ ਲਈ ਜਾਂ ਚੰਗੀ ਰਿਟਰਨ ਕਮਾਉਣ ਲਈ, ਸਹੀ ਫੰਡ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨਾ ਮਹੱਤਵਪੂਰਨ ਹੈ। ਇਸ ਲਈ ਅਸੀਂ ਇੱਥੇ ਹਾਂ! ਨਿਵੇਸ਼ਕ ਕਰਨ ਦੀ ਯੋਜਨਾ ਬਣਾ ਰਹੇ ਹਨਮਿਉਚੁਅਲ ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰੋ, ਅਸੀਂ ਤੁਹਾਡੇ ਲਈ ਕੁਝ ਲਿਆਉਂਦੇ ਹਾਂਵਧੀਆ ਪ੍ਰਦਰਸ਼ਨ ਕਰਨ ਵਾਲੇ ਮਿਉਚੁਅਲ ਫੰਡ ਜੋ ਤੁਹਾਨੂੰ ਨਿਵੇਸ਼ ਕਰਨ ਵੇਲੇ ਵਿਚਾਰਨ ਦੀ ਲੋੜ ਹੈ। ਇਹ ਫੰਡ ਮਹੱਤਵਪੂਰਨ ਮਾਪਦੰਡ ਜਿਵੇਂ ਕਿ ਏ.ਯੂ.ਐਮ., ਦੁਆਰਾ ਸ਼ਾਰਟਲਿਸਟ ਕੀਤੇ ਗਏ ਹਨ।ਨਹੀ ਹਨ, ਪਿਛਲੇ ਪ੍ਰਦਰਸ਼ਨ, ਪੀਅਰ ਔਸਤ ਰਿਟਰਨ, ਜਾਣਕਾਰੀ ਅਨੁਪਾਤ, ਆਦਿ।

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ਭਾਰਤ ਵਿੱਚ ਚੋਟੀ ਦੇ 5 ਵਧੀਆ ਪ੍ਰਦਰਸ਼ਨ ਕਰਨ ਵਾਲੇ ਮਿਉਚੁਅਲ ਫੰਡ

ਸਰਬੋਤਮ ਇਕੁਇਟੀ ਮਿਉਚੁਅਲ ਫੰਡ 2022

FundNAVNet Assets (Cr)Min InvestmentMin SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)Information RatioSharpe Ratio
DSP World Gold Fund Growth ₹52.3941
↑ 0.36
₹1,689 1,000 500 31.56615449.421.715.9-1.022.51
Franklin India Opportunities Fund Growth ₹257.976
↑ 2.63
₹8,304 5,000 500 -2.43.4028.32337.31.67-0.04
Invesco India PSU Equity Fund Growth ₹63.91
↑ 0.66
₹1,445 5,000 500 -0.91.52.926.926.525.6-0.490.06
SBI PSU Fund Growth ₹33.057
↑ 0.31
₹5,763 5,000 500 2.55.65.526.728.223.5-0.530.03
Invesco India Mid Cap Fund Growth ₹184.24
↑ 1.77
₹10,006 5,000 500 -0.374.726.524.543.100.37
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Dec 25
Note: Ratio's shown as on 30 Nov 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryDSP World Gold FundFranklin India Opportunities FundInvesco India PSU Equity FundSBI PSU FundInvesco India Mid Cap Fund
Point 1Bottom quartile AUM (₹1,689 Cr).Upper mid AUM (₹8,304 Cr).Bottom quartile AUM (₹1,445 Cr).Lower mid AUM (₹5,763 Cr).Highest AUM (₹10,006 Cr).
Point 2Established history (18+ yrs).Oldest track record among peers (25 yrs).Established history (16+ yrs).Established history (15+ yrs).Established history (18+ yrs).
Point 3Top rated.Rating: 3★ (upper mid).Rating: 3★ (lower mid).Rating: 2★ (bottom quartile).Rating: 2★ (bottom quartile).
Point 4Risk profile: High.Risk profile: Moderately High.Risk profile: High.Risk profile: High.Risk profile: Moderately High.
Point 55Y return: 21.72% (bottom quartile).5Y return: 22.99% (bottom quartile).5Y return: 26.51% (upper mid).5Y return: 28.24% (top quartile).5Y return: 24.52% (lower mid).
Point 63Y return: 49.40% (top quartile).3Y return: 28.29% (upper mid).3Y return: 26.88% (lower mid).3Y return: 26.75% (bottom quartile).3Y return: 26.51% (bottom quartile).
Point 71Y return: 153.98% (top quartile).1Y return: -0.04% (bottom quartile).1Y return: 2.93% (bottom quartile).1Y return: 5.54% (upper mid).1Y return: 4.65% (lower mid).
Point 8Alpha: -4.29 (bottom quartile).Alpha: -2.06 (bottom quartile).Alpha: -0.45 (upper mid).Alpha: -0.83 (lower mid).Alpha: 0.00 (top quartile).
Point 9Sharpe: 2.51 (top quartile).Sharpe: -0.04 (bottom quartile).Sharpe: 0.06 (lower mid).Sharpe: 0.03 (bottom quartile).Sharpe: 0.37 (upper mid).
Point 10Information ratio: -1.02 (bottom quartile).Information ratio: 1.67 (top quartile).Information ratio: -0.49 (lower mid).Information ratio: -0.53 (bottom quartile).Information ratio: 0.00 (upper mid).

DSP World Gold Fund

  • Bottom quartile AUM (₹1,689 Cr).
  • Established history (18+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 21.72% (bottom quartile).
  • 3Y return: 49.40% (top quartile).
  • 1Y return: 153.98% (top quartile).
  • Alpha: -4.29 (bottom quartile).
  • Sharpe: 2.51 (top quartile).
  • Information ratio: -1.02 (bottom quartile).

Franklin India Opportunities Fund

  • Upper mid AUM (₹8,304 Cr).
  • Oldest track record among peers (25 yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 22.99% (bottom quartile).
  • 3Y return: 28.29% (upper mid).
  • 1Y return: -0.04% (bottom quartile).
  • Alpha: -2.06 (bottom quartile).
  • Sharpe: -0.04 (bottom quartile).
  • Information ratio: 1.67 (top quartile).

Invesco India PSU Equity Fund

  • Bottom quartile AUM (₹1,445 Cr).
  • Established history (16+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: High.
  • 5Y return: 26.51% (upper mid).
  • 3Y return: 26.88% (lower mid).
  • 1Y return: 2.93% (bottom quartile).
  • Alpha: -0.45 (upper mid).
  • Sharpe: 0.06 (lower mid).
  • Information ratio: -0.49 (lower mid).

SBI PSU Fund

  • Lower mid AUM (₹5,763 Cr).
  • Established history (15+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 28.24% (top quartile).
  • 3Y return: 26.75% (bottom quartile).
  • 1Y return: 5.54% (upper mid).
  • Alpha: -0.83 (lower mid).
  • Sharpe: 0.03 (bottom quartile).
  • Information ratio: -0.53 (bottom quartile).

Invesco India Mid Cap Fund

  • Highest AUM (₹10,006 Cr).
  • Established history (18+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 24.52% (lower mid).
  • 3Y return: 26.51% (bottom quartile).
  • 1Y return: 4.65% (lower mid).
  • Alpha: 0.00 (top quartile).
  • Sharpe: 0.37 (upper mid).
  • Information ratio: 0.00 (upper mid).

ਸਰਬੋਤਮ ਕਰਜ਼ਾ ਫੰਡ 2022

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
DSP Credit Risk Fund Growth ₹50.702
↑ 0.00
₹2091.22.221.114.77.87.1%2Y 4M 17D3Y 3M 14D
Franklin India Ultra Short Bond Fund - Super Institutional Plan Growth ₹34.9131
↑ 0.04
₹2971.35.913.78.8 0%1Y 15D
Aditya Birla Sun Life Credit Risk Fund Growth ₹23.2413
↑ 0.00
₹1,09624.213.410.711.97.62%2Y 3M 18D3Y 29D
Sundaram Short Term Debt Fund Growth ₹36.3802
↑ 0.01
₹3620.811.412.85.3 4.52%1Y 2M 13D1Y 7M 3D
Sundaram Low Duration Fund Growth ₹28.8391
↑ 0.01
₹550110.211.85 4.19%5M 18D8M 1D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Dec 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryDSP Credit Risk FundFranklin India Ultra Short Bond Fund - Super Institutional PlanAditya Birla Sun Life Credit Risk FundSundaram Short Term Debt FundSundaram Low Duration Fund
Point 1Bottom quartile AUM (₹209 Cr).Bottom quartile AUM (₹297 Cr).Highest AUM (₹1,096 Cr).Lower mid AUM (₹362 Cr).Upper mid AUM (₹550 Cr).
Point 2Established history (22+ yrs).Established history (18+ yrs).Established history (10+ yrs).Oldest track record among peers (23 yrs).Established history (18+ yrs).
Point 3Top rated.Rating: 1★ (bottom quartile).Not Rated.Rating: 2★ (upper mid).Rating: 2★ (lower mid).
Point 4Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderately Low.
Point 51Y return: 21.09% (top quartile).1Y return: 13.69% (upper mid).1Y return: 13.37% (lower mid).1Y return: 12.83% (bottom quartile).1Y return: 11.79% (bottom quartile).
Point 61M return: 0.22% (bottom quartile).1M return: 0.59% (top quartile).1M return: 0.24% (lower mid).1M return: 0.20% (bottom quartile).1M return: 0.28% (upper mid).
Point 7Sharpe: 1.55 (lower mid).Sharpe: 2.57 (top quartile).Sharpe: 2.11 (upper mid).Sharpe: 0.98 (bottom quartile).Sharpe: 0.99 (bottom quartile).
Point 8Information ratio: 0.00 (top quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).Information ratio: 0.00 (bottom quartile).
Point 9Yield to maturity (debt): 7.10% (upper mid).Yield to maturity (debt): 0.00% (bottom quartile).Yield to maturity (debt): 7.62% (top quartile).Yield to maturity (debt): 4.52% (lower mid).Yield to maturity (debt): 4.19% (bottom quartile).
Point 10Modified duration: 2.38 yrs (bottom quartile).Modified duration: 0.00 yrs (top quartile).Modified duration: 2.30 yrs (bottom quartile).Modified duration: 1.20 yrs (lower mid).Modified duration: 0.47 yrs (upper mid).

DSP Credit Risk Fund

  • Bottom quartile AUM (₹209 Cr).
  • Established history (22+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 21.09% (top quartile).
  • 1M return: 0.22% (bottom quartile).
  • Sharpe: 1.55 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.10% (upper mid).
  • Modified duration: 2.38 yrs (bottom quartile).

Franklin India Ultra Short Bond Fund - Super Institutional Plan

  • Bottom quartile AUM (₹297 Cr).
  • Established history (18+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 13.69% (upper mid).
  • 1M return: 0.59% (top quartile).
  • Sharpe: 2.57 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 0.00% (bottom quartile).
  • Modified duration: 0.00 yrs (top quartile).

Aditya Birla Sun Life Credit Risk Fund

  • Highest AUM (₹1,096 Cr).
  • Established history (10+ yrs).
  • Not Rated.
  • Risk profile: Moderate.
  • 1Y return: 13.37% (lower mid).
  • 1M return: 0.24% (lower mid).
  • Sharpe: 2.11 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.62% (top quartile).
  • Modified duration: 2.30 yrs (bottom quartile).

Sundaram Short Term Debt Fund

  • Lower mid AUM (₹362 Cr).
  • Oldest track record among peers (23 yrs).
  • Rating: 2★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 12.83% (bottom quartile).
  • 1M return: 0.20% (bottom quartile).
  • Sharpe: 0.98 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 4.52% (lower mid).
  • Modified duration: 1.20 yrs (lower mid).

Sundaram Low Duration Fund

  • Upper mid AUM (₹550 Cr).
  • Established history (18+ yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 11.79% (bottom quartile).
  • 1M return: 0.28% (upper mid).
  • Sharpe: 0.99 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 4.19% (bottom quartile).
  • Modified duration: 0.47 yrs (upper mid).

ਸਰਵੋਤਮ ਹਾਈਬ੍ਰਿਡ ਫੰਡ 2022

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
UTI Multi Asset Fund Growth ₹79.0239
↑ 0.32
₹6,55147.89.819.415.220.7
ICICI Prudential Multi-Asset Fund Growth ₹810.375
↑ 0.54
₹75,0673.77.215.619.121.516.1
ICICI Prudential Equity and Debt Fund Growth ₹409.46
↑ 2.32
₹49,2231.35.91218.821.817.2
SBI Multi Asset Allocation Fund Growth ₹64.9291
↑ 0.36
₹12,4666.310.316.917.614.712.8
JM Equity Hybrid Fund Growth ₹119.947
↑ 0.96
₹811-2.20.8-417.617.227
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Dec 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryUTI Multi Asset FundICICI Prudential Multi-Asset FundICICI Prudential Equity and Debt FundSBI Multi Asset Allocation FundJM Equity Hybrid Fund
Point 1Bottom quartile AUM (₹6,551 Cr).Highest AUM (₹75,067 Cr).Upper mid AUM (₹49,223 Cr).Lower mid AUM (₹12,466 Cr).Bottom quartile AUM (₹811 Cr).
Point 2Established history (17+ yrs).Established history (23+ yrs).Established history (26+ yrs).Established history (20+ yrs).Oldest track record among peers (30 yrs).
Point 3Rating: 1★ (bottom quartile).Rating: 2★ (lower mid).Top rated.Rating: 4★ (upper mid).Rating: 1★ (bottom quartile).
Point 4Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderate.Risk profile: Moderately High.
Point 55Y return: 15.17% (bottom quartile).5Y return: 21.52% (upper mid).5Y return: 21.78% (top quartile).5Y return: 14.66% (bottom quartile).5Y return: 17.23% (lower mid).
Point 63Y return: 19.37% (top quartile).3Y return: 19.06% (upper mid).3Y return: 18.83% (lower mid).3Y return: 17.60% (bottom quartile).3Y return: 17.56% (bottom quartile).
Point 71Y return: 9.82% (bottom quartile).1Y return: 15.59% (upper mid).1Y return: 11.95% (lower mid).1Y return: 16.86% (top quartile).1Y return: -4.05% (bottom quartile).
Point 81M return: 0.40% (lower mid).1M return: 0.84% (upper mid).1M return: -0.33% (bottom quartile).1M return: 1.87% (top quartile).1M return: -1.64% (bottom quartile).
Point 9Alpha: 0.00 (upper mid).Alpha: 0.00 (lower mid).Alpha: 4.08 (top quartile).Alpha: 0.00 (bottom quartile).Alpha: -9.12 (bottom quartile).
Point 10Sharpe: 0.48 (bottom quartile).Sharpe: 1.32 (top quartile).Sharpe: 0.65 (lower mid).Sharpe: 1.17 (upper mid).Sharpe: -0.55 (bottom quartile).

UTI Multi Asset Fund

  • Bottom quartile AUM (₹6,551 Cr).
  • Established history (17+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 15.17% (bottom quartile).
  • 3Y return: 19.37% (top quartile).
  • 1Y return: 9.82% (bottom quartile).
  • 1M return: 0.40% (lower mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 0.48 (bottom quartile).

ICICI Prudential Multi-Asset Fund

  • Highest AUM (₹75,067 Cr).
  • Established history (23+ yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 21.52% (upper mid).
  • 3Y return: 19.06% (upper mid).
  • 1Y return: 15.59% (upper mid).
  • 1M return: 0.84% (upper mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 1.32 (top quartile).

ICICI Prudential Equity and Debt Fund

  • Upper mid AUM (₹49,223 Cr).
  • Established history (26+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 21.78% (top quartile).
  • 3Y return: 18.83% (lower mid).
  • 1Y return: 11.95% (lower mid).
  • 1M return: -0.33% (bottom quartile).
  • Alpha: 4.08 (top quartile).
  • Sharpe: 0.65 (lower mid).

SBI Multi Asset Allocation Fund

  • Lower mid AUM (₹12,466 Cr).
  • Established history (20+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderate.
  • 5Y return: 14.66% (bottom quartile).
  • 3Y return: 17.60% (bottom quartile).
  • 1Y return: 16.86% (top quartile).
  • 1M return: 1.87% (top quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 1.17 (upper mid).

JM Equity Hybrid Fund

  • Bottom quartile AUM (₹811 Cr).
  • Oldest track record among peers (30 yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 17.23% (lower mid).
  • 3Y return: 17.56% (bottom quartile).
  • 1Y return: -4.05% (bottom quartile).
  • 1M return: -1.64% (bottom quartile).
  • Alpha: -9.12 (bottom quartile).
  • Sharpe: -0.55 (bottom quartile).

ਸਰਬੋਤਮ ਗੋਲਡ ਮਿਉਚੁਅਲ ਫੰਡ 2022

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
DSP World Gold Fund Growth ₹52.3941
↑ 0.36
₹1,68931.56615449.421.715.9
IDBI Gold Fund Growth ₹34.4197
↑ 0.05
₹52420.232.872.133.220.218.7
Aditya Birla Sun Life Gold Fund Growth ₹38.4616
↓ -0.02
₹1,13620.33372.3332018.7
ICICI Prudential Regular Gold Savings Fund Growth ₹40.9305
↓ -0.14
₹3,98720.232.471.732.919.919.5
SBI Gold Fund Growth ₹38.65
↓ -0.08
₹9,32420.132.471.632.92019.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Dec 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryDSP World Gold FundIDBI Gold FundAditya Birla Sun Life Gold FundICICI Prudential Regular Gold Savings FundSBI Gold Fund
Point 1Lower mid AUM (₹1,689 Cr).Bottom quartile AUM (₹524 Cr).Bottom quartile AUM (₹1,136 Cr).Upper mid AUM (₹3,987 Cr).Highest AUM (₹9,324 Cr).
Point 2Oldest track record among peers (18 yrs).Established history (13+ yrs).Established history (13+ yrs).Established history (14+ yrs).Established history (14+ yrs).
Point 3Top rated.Not Rated.Rating: 3★ (upper mid).Rating: 1★ (bottom quartile).Rating: 2★ (lower mid).
Point 4Risk profile: High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 21.72% (top quartile).5Y return: 20.21% (upper mid).5Y return: 20.04% (lower mid).5Y return: 19.89% (bottom quartile).5Y return: 19.98% (bottom quartile).
Point 63Y return: 49.40% (top quartile).3Y return: 33.20% (upper mid).3Y return: 33.02% (lower mid).3Y return: 32.94% (bottom quartile).3Y return: 32.90% (bottom quartile).
Point 71Y return: 153.98% (top quartile).1Y return: 72.07% (lower mid).1Y return: 72.29% (upper mid).1Y return: 71.68% (bottom quartile).1Y return: 71.57% (bottom quartile).
Point 8Alpha: -4.29 (bottom quartile).1M return: 7.85% (upper mid).1M return: 7.43% (bottom quartile).1M return: 7.48% (lower mid).1M return: 7.30% (bottom quartile).
Point 9Sharpe: 2.51 (bottom quartile).Alpha: 0.00 (top quartile).Alpha: 0.00 (upper mid).Alpha: 0.00 (lower mid).Alpha: 0.00 (bottom quartile).
Point 10Information ratio: -1.02 (bottom quartile).Sharpe: 3.44 (bottom quartile).Sharpe: 3.57 (top quartile).Sharpe: 3.47 (lower mid).Sharpe: 3.54 (upper mid).

DSP World Gold Fund

  • Lower mid AUM (₹1,689 Cr).
  • Oldest track record among peers (18 yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 21.72% (top quartile).
  • 3Y return: 49.40% (top quartile).
  • 1Y return: 153.98% (top quartile).
  • Alpha: -4.29 (bottom quartile).
  • Sharpe: 2.51 (bottom quartile).
  • Information ratio: -1.02 (bottom quartile).

IDBI Gold Fund

  • Bottom quartile AUM (₹524 Cr).
  • Established history (13+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 20.21% (upper mid).
  • 3Y return: 33.20% (upper mid).
  • 1Y return: 72.07% (lower mid).
  • 1M return: 7.85% (upper mid).
  • Alpha: 0.00 (top quartile).
  • Sharpe: 3.44 (bottom quartile).

Aditya Birla Sun Life Gold Fund

  • Bottom quartile AUM (₹1,136 Cr).
  • Established history (13+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 20.04% (lower mid).
  • 3Y return: 33.02% (lower mid).
  • 1Y return: 72.29% (upper mid).
  • 1M return: 7.43% (bottom quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 3.57 (top quartile).

ICICI Prudential Regular Gold Savings Fund

  • Upper mid AUM (₹3,987 Cr).
  • Established history (14+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 19.89% (bottom quartile).
  • 3Y return: 32.94% (bottom quartile).
  • 1Y return: 71.68% (bottom quartile).
  • 1M return: 7.48% (lower mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 3.47 (lower mid).

SBI Gold Fund

  • Highest AUM (₹9,324 Cr).
  • Established history (14+ yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 19.98% (bottom quartile).
  • 3Y return: 32.90% (bottom quartile).
  • 1Y return: 71.57% (bottom quartile).
  • 1M return: 7.30% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 3.54 (upper mid).

ਮਿਉਚੁਅਲ ਫੰਡ ਦੀਆਂ ਕਿਸਮਾਂ: ਜੋਖਮ ਅਤੇ ਵਾਪਸੀ

ਨਿਵੇਸ਼ ਕਰਨ ਤੋਂ ਪਹਿਲਾਂ, ਹੇਠ ਲਿਖੀਆਂ ਮਿਉਚੁਅਲ ਫੰਡ ਸ਼੍ਰੇਣੀਆਂ ਦੇ ਬੁਨਿਆਦੀ ਜੋਖਮ ਅਤੇ ਔਸਤ ਰਿਟਰਨ ਨੂੰ ਜਾਣੋ:

ਮਿਉਚੁਅਲ ਫੰਡ ਸ਼੍ਰੇਣੀ ਔਸਤ ਵਾਪਸੀ ਜੋਖਮ ਜੋਖਮ ਦੀ ਕਿਸਮ
ਇਕੁਇਟੀ ਫੰਡ 2% -20% ਉੱਚ ਤੋਂ ਦਰਮਿਆਨੀ ਅਸਥਿਰਤਾ ਜੋਖਮ, ਪ੍ਰਦਰਸ਼ਨ ਜੋਖਮ, ਇਕਾਗਰਤਾ ਜੋਖਮ
ਕਰਜ਼ਾ/ਬਾਂਡ 8-14% ਘੱਟ ਤੋਂ ਦਰਮਿਆਨੀ ਵਿਆਜ ਦਰ ਜੋਖਮ, ਕ੍ਰੈਡਿਟ ਜੋਖਮ
ਮਨੀ ਮਾਰਕੀਟ ਫੰਡ 4%-8% ਘੱਟ ਮਹਿੰਗਾਈ ਜੋਖਮ, ਮੌਕੇ ਦਾ ਨੁਕਸਾਨ
ਸੰਤੁਲਿਤ ਫੰਡ 5-15% ਮੱਧਮ ਇਕੁਇਟੀ, ਕਰਜ਼ਾ ਹੋਲਡਿੰਗਜ਼ ਲਈ ਉੱਚ ਐਕਸਪੋਜਰ

ਮਿਉਚੁਅਲ ਫੰਡ ਕੈਲਕੁਲੇਟਰ: ਆਪਣੇ ਨਿਵੇਸ਼ ਰਿਟਰਨਾਂ ਨੂੰ ਪਹਿਲਾਂ ਤੋਂ ਨਿਰਧਾਰਤ ਕਰੋ

sip ਕੈਲਕੁਲੇਟਰ ਇੱਕ ਸਮਾਰਟ ਟੂਲ ਹੈ ਜੋ ਨਿਵੇਸ਼ਕਾਂ ਦੇ ਮੁੱਖ ਸਵਾਲਾਂ ਨੂੰ ਹੱਲ ਕਰਦਾ ਹੈ ਜਿਵੇਂ ਕਿ 'ਕਿੰਨਾ ਨਿਵੇਸ਼ ਕਰਨਾ ਹੈ', 'ਮੈਂ ਕਿੰਨਾ ਕਮਾਵਾਂਗਾ', 'ਮੇਰਾ ਲਾਭ ਕਿੰਨਾ ਹੋਵੇਗਾ', ਆਦਿ।ਮਿਉਚੁਅਲ ਫੰਡ ਕੈਲਕੁਲੇਟਰ, ਹੋਰ ਖਾਸ ਤੌਰ 'ਤੇ,SIP ਕੈਲਕੁਲੇਟਰ ਉਸ ਕਾਰਜਕਾਲ ਲਈ ਤੁਹਾਡੀ ਨਿਵੇਸ਼ ਰਕਮ ਨੂੰ ਪਹਿਲਾਂ ਤੋਂ ਨਿਰਧਾਰਤ ਕਰਦਾ ਹੈ ਜਿਸ ਲਈ ਤੁਸੀਂ ਨਿਵੇਸ਼ ਕਰਨਾ ਚਾਹੁੰਦੇ ਹੋ। ਇਹ ਪ੍ਰਭਾਵਸ਼ਾਲੀ ਲਈ ਸਭ ਤੋਂ ਵਧੀਆ ਸਾਧਨਾਂ ਵਿੱਚੋਂ ਇੱਕ ਹੈਵਿੱਤੀ ਯੋਜਨਾਬੰਦੀ. ਕੀ ਕੋਈ ਕਾਰ, ਘਰ ਖਰੀਦਣ ਦੀ ਯੋਜਨਾ ਬਣਾਉਣਾ ਚਾਹੁੰਦਾ ਹੈ, ਯੋਜਨਾ ਬਣਾਉਣਾ ਚਾਹੁੰਦਾ ਹੈਸੇਵਾਮੁਕਤੀ, ਇੱਕ ਬੱਚੇ ਦੀ ਉੱਚ ਸਿੱਖਿਆ ਜਾਂ ਕੋਈ ਹੋਰ ਵਿੱਤੀ ਟੀਚਾ, SIP ਕੈਲਕੁਲੇਟਰ ਨੂੰ ਉਸੇ ਲਈ ਵਰਤਿਆ ਜਾ ਸਕਦਾ ਹੈ। ਇੱਥੇ ਦੱਸਿਆ ਗਿਆ ਹੈ ਕਿ ਕੈਲਕੁਲੇਟਰ ਕਿਵੇਂ ਕੰਮ ਕਰਦਾ ਹੈ:

ਉਦਾਹਰਣ:

ਮਹੀਨਾਵਾਰ ਨਿਵੇਸ਼: ₹ 2,000

ਨਿਵੇਸ਼ ਦੀ ਮਿਆਦ: 10 ਸਾਲ

ਨਿਵੇਸ਼ ਕੀਤੀ ਕੁੱਲ ਰਕਮ: ₹ 2,40,000

ਲੰਬੇ ਸਮੇਂ ਦੀ ਮਹਿੰਗਾਈ: 5% (ਲਗਭਗ)

ਲੰਬੇ ਸਮੇਂ ਦੀ ਵਿਕਾਸ ਦਰ: 14% (ਲਗਭਗ)

SIP ਕੈਲਕੁਲੇਟਰ ਦੇ ਅਨੁਸਾਰ ਸੰਭਾਵਿਤ ਰਿਟਰਨ: ₹ 4,98,585

SIP-Calculator

ਤੁਹਾਨੂੰ ਸਿਰਫ਼ ਇੱਕ SIP ਕੈਲਕੁਲੇਟਰ ਵਿੱਚ ਕੁਝ ਬੁਨਿਆਦੀ ਇਨਪੁਟ ਦਾਖਲ ਕਰਨ ਦੀ ਲੋੜ ਹੈ ਜਿਵੇਂ ਕਿ ਨਿਵੇਸ਼ ਦੀ ਰਕਮ ਅਤੇ ਨਿਵੇਸ਼ ਦੀ ਮਿਆਦ (ਵਾਧੂ ਇਨਪੁੱਟ ਜਿਵੇਂ ਮਹਿੰਗਾਈ ਅਤੇ ਉਮੀਦ ਕੀਤੀ ਜਾਂਦੀ ਹੈ।ਬਜ਼ਾਰ ਰਿਟਰਨ ਇੱਕ ਹੋਰ ਯਥਾਰਥਵਾਦੀ ਤਸਵੀਰ ਦੇਵੇਗਾ). ਇਹਨਾਂ ਐਂਟਰੀਆਂ ਦਾ ਆਉਟਪੁੱਟ ਪਰਿਪੱਕਤਾ ਅਤੇ ਕੀਤੇ ਲਾਭਾਂ 'ਤੇ ਅੰਤਮ ਰਕਮ ਹੋਵੇਗੀ।

ਟੀਚੇ ਨੂੰ ਧਿਆਨ ਵਿੱਚ ਰੱਖਦੇ ਹੋਏ ਇੱਕ ਸਮਾਨ ਗਣਨਾ ਵੀ ਇਹ ਨਿਰਧਾਰਤ ਕਰਨ ਲਈ ਕੀਤੀ ਜਾ ਸਕਦੀ ਹੈ ਕਿ ਟੀਚੇ ਤੱਕ ਪਹੁੰਚਣ ਲਈ ਕਿੰਨਾ ਨਿਵੇਸ਼ ਕਰਨਾ ਚਾਹੀਦਾ ਹੈ। ਤੁਹਾਨੂੰ ਇੱਕ ਖਾਸ ਟੀਚਾ ਚੁਣਨਾ ਹੋਵੇਗਾ, ਜਿਵੇਂ ਕਿ ਹੇਠਾਂ ਦਿੱਤਾ ਗਿਆ ਹੈ, ਅਤੇ ਟੀਚਾ ਕੈਲਕੁਲੇਟਰ ਦੀ ਵਰਤੋਂ ਕਰਕੇ ਵੇਰਵਿਆਂ ਦਾ ਅੰਦਾਜ਼ਾ ਲਗਾਉਣਾ ਹੋਵੇਗਾ।

SIP-Calculator-6

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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