Table of Contents
Top 5 Equity - Sectoral Funds
The risk in SIP varies for different Types of Mutual Funds. investing in Mutual Funds via SIP (Systematic Investment plan) involves Market linked risks, that are certainly higher for Equity Funds than debt and balanced Mutual Funds. The risk in SIP depends on the investment option that is chosen considering the risk profile, risk appetite and liquidity. However, the risk in SIP can be managed and reduced by the fund managers and the fund house.
To calculate the risk in SIP there are various tools available like sip calculator (also known as SIP return calculator).
Mutual fund investments are subject to market risks, is a commonly heard term. What this means is that your investment in a SIP can go down and you can end up with a value lower than what you invested depending on how the market behaves.
The risk in SIP is however related to the holding period and usually, the longer the holding period, the lower the risk. With higher holding period the probability of making profit increases. For e.g. have a look below for equity, a longer holding period for equity results in a lowering chance of loss. (The below is an analysis done on the BSE Sensex from 1979 to 2016).
The ability to get your money back quickly depends on the Underlying investments. Usually with mutual funds, this is not an issue, however, there have been periods (such in 2008), when there was an issue in selling securities(Bonds) and that certain mutual funds had to limit withdrawals from some schemes. The equity market is fairly liquid (meaning that buying and selling do not pose an issue). However, if the sale quantity exceeds the numbers of buyers by a large amount, then this will result in an issue, hence making subsequent payouts a problem and hence liquidity risk.
When the bond of a particular company/entity undergoes a downgrade by a credit rating agency, its price falls. If the price falls, this impacts the overall value of the Portfolio. This is called credit risk.
Talk to our investment specialist
When a company defaults on its payments to the bond holders, it’s called Default Risk.
With the investor not getting their money back, this will impact their portfolio, negatively.
Today, all transactions take place in the electronic mode. With the various touch-points, there is a possibility of a technological failure at various places, at the R & T Agent, the Bank to debit funds etc.
The non-processing of a transaction is also a risk in SIP.
Another risk in SIP is that the chosen scheme may not deliver upto expectations, and performance may be much lower than expected. The Fund Manager may under-deliver on performance, and this will lead to low returns on the SIP investment.
These are the major risks in a SIP, while we can go on and elaborate further risks in SIP like Economy risk etc., most of these risks would fall under one or more of the categories above.
Though there is definitely a risk in SIP, one should always remember that SIP or lump sum, this is just an investment route and NOT the underlying investment. One needs to look at the underlying investment, its risks, and then make a final decision.
*Below is the list of Top SIP's one can evaluate to invest in
To generate capital appreciation by investing in Equity and Equity Related Instruments of companies where the Central / State Government(s) has majority shareholding or management control or has powers to appoint majority of directors. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns. Invesco India PSU Equity Fund is a Equity - Sectoral fund was launched on 18 Nov 09. It is a fund with High risk and has given a Below is the key information for Invesco India PSU Equity Fund Returns up to 1 year are on The objective of the scheme would be to provide investors with opportunities for long-term growth in capital along with the liquidity of an open-ended scheme through an active management of investments in a diversified basket of equity stocks of domestic Public Sector Undertakings and in debt and money market instruments issued by PSUs AND others. SBI PSU Fund is a Equity - Sectoral fund was launched on 7 Jul 10. It is a fund with High risk and has given a Below is the key information for SBI PSU Fund Returns up to 1 year are on 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. HDFC Infrastructure Fund is a Equity - Sectoral fund was launched on 10 Mar 08. It is a fund with High risk and has given a Below is the key information for HDFC Infrastructure Fund Returns up to 1 year are on (Erstwhile Reliance Diversified Power Sector Fund) The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies in the power sector. Nippon India Power and Infra Fund is a Equity - Sectoral fund was launched on 8 May 04. It is a fund with High risk and has given a Below is the key information for Nippon India Power and Infra Fund Returns up to 1 year are on The investment objective of Franklin India Opportunities Fund (FIOF) is to generate capital appreciation by capitalizing on the long-term growth opportunities in the Indian economy. Franklin India Opportunities Fund is a Equity - Sectoral fund was launched on 21 Feb 00. It is a fund with Moderately High risk and has given a Below is the key information for Franklin India Opportunities Fund Returns up to 1 year are on 1. Invesco India PSU Equity Fund
CAGR/Annualized
return of 12.8% since its launch. Ranked 33 in Sectoral
category. Return for 2024 was 25.6% , 2023 was 54.5% and 2022 was 20.5% . Invesco India PSU Equity Fund
Growth Launch Date 18 Nov 09 NAV (06 Jun 25) ₹64.69 ↑ 0.33 (0.51 %) Net Assets (Cr) ₹1,281 on 30 Apr 25 Category Equity - Sectoral AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk High Expense Ratio 2.39 Sharpe Ratio -0.09 Information Ratio -0.3 Alpha Ratio 6.92 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹14,678 31 May 22 ₹15,757 31 May 23 ₹19,884 31 May 24 ₹40,074 31 May 25 ₹39,362 Returns for Invesco India PSU Equity Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 6 Jun 25 Duration Returns 1 Month 9.6% 3 Month 21.8% 6 Month 0.1% 1 Year 3.1% 3 Year 36.4% 5 Year 30.1% 10 Year 15 Year Since launch 12.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 25.6% 2023 54.5% 2022 20.5% 2021 31.1% 2020 6.1% 2019 10.1% 2018 -16.9% 2017 24.3% 2016 17.9% 2015 2.5% Fund Manager information for Invesco India PSU Equity Fund
Name Since Tenure Dhimant Kothari 19 May 20 5.04 Yr. Data below for Invesco India PSU Equity Fund as on 30 Apr 25
Equity Sector Allocation
Sector Value Industrials 29.48% Utility 26.88% Financial Services 22.09% Energy 16.43% Basic Materials 3.8% Asset Allocation
Asset Class Value Cash 1.31% Equity 98.69% Top Securities Holdings / Portfolio
Name Holding Value Quantity Power Grid Corp Of India Ltd (Utilities)
Equity, Since 28 Feb 22 | 5328989% ₹111 Cr 3,599,413 Bharat Electronics Ltd (Industrials)
Equity, Since 31 Mar 17 | BEL8% ₹109 Cr 3,455,627
↓ -438,992 State Bank of India (Financial Services)
Equity, Since 28 Feb 21 | SBIN8% ₹108 Cr 1,365,114
↑ 113,571 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 30 Sep 18 | 5005478% ₹107 Cr 3,445,961 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | HAL8% ₹105 Cr 233,477
↑ 58,122 NTPC Ltd (Utilities)
Equity, Since 31 May 19 | 5325556% ₹76 Cr 2,148,687
↑ 578,056 NTPC Green Energy Ltd (Utilities)
Equity, Since 30 Nov 24 | NTPCGREEN5% ₹59 Cr 5,911,723 Hindustan Petroleum Corp Ltd (Energy)
Equity, Since 30 Nov 23 | HINDPETRO5% ₹59 Cr 1,564,169 Bharat Dynamics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | BDL4% ₹52 Cr 338,824 NHPC Ltd (Utilities)
Equity, Since 31 Oct 22 | NHPC4% ₹51 Cr 5,962,963
↑ 2,141,456 2. SBI PSU Fund
CAGR/Annualized
return of 8.2% since its launch. Ranked 31 in Sectoral
category. Return for 2024 was 23.5% , 2023 was 54% and 2022 was 29% . SBI PSU Fund
Growth Launch Date 7 Jul 10 NAV (06 Jun 25) ₹32.1814 ↑ 0.26 (0.83 %) Net Assets (Cr) ₹5,035 on 30 Apr 25 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating ☆☆ Risk High Expense Ratio 2.3 Sharpe Ratio -0.3 Information Ratio -0.18 Alpha Ratio 1.05 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹15,496 31 May 22 ₹16,867 31 May 23 ₹20,532 31 May 24 ₹41,696 31 May 25 ₹41,224 Returns for SBI PSU Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 6 Jun 25 Duration Returns 1 Month 6.4% 3 Month 14.6% 6 Month -2% 1 Year 3% 3 Year 35.3% 5 Year 31.3% 10 Year 15 Year Since launch 8.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 23.5% 2023 54% 2022 29% 2021 32.4% 2020 -10% 2019 6% 2018 -23.8% 2017 21.9% 2016 16.2% 2015 -11.1% Fund Manager information for SBI PSU Fund
Name Since Tenure Rohit Shimpi 1 Jun 24 1 Yr. Data below for SBI PSU Fund as on 30 Apr 25
Equity Sector Allocation
Sector Value Financial Services 35.59% Utility 30.25% Energy 15.7% Industrials 9.6% Basic Materials 5.14% Asset Allocation
Asset Class Value Cash 3.7% Equity 96.3% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank of India (Financial Services)
Equity, Since 31 Jul 10 | SBIN13% ₹676 Cr 8,577,500 GAIL (India) Ltd (Utilities)
Equity, Since 31 May 24 | 53215510% ₹487 Cr 25,750,000 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jul 10 | 5328989% ₹465 Cr 15,135,554 NTPC Ltd (Utilities)
Equity, Since 31 Jul 10 | 5325559% ₹431 Cr 12,143,244
↑ 1,400,000 Bharat Electronics Ltd (Industrials)
Equity, Since 30 Jun 24 | BEL8% ₹426 Cr 13,575,000 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 31 Aug 24 | 5005476% ₹301 Cr 9,700,000 Bank of Baroda (Financial Services)
Equity, Since 31 Aug 24 | 5321345% ₹275 Cr 11,000,000 NMDC Ltd (Basic Materials)
Equity, Since 31 Oct 23 | 5263714% ₹181 Cr 27,900,000 General Insurance Corp of India (Financial Services)
Equity, Since 31 May 24 | GICRE3% ₹173 Cr 4,150,000 Oil India Ltd (Energy)
Equity, Since 31 Mar 24 | OIL3% ₹158 Cr 3,850,000 3. HDFC Infrastructure Fund
CAGR/Annualized
return of since its launch. Ranked 26 in Sectoral
category. Return for 2024 was 23% , 2023 was 55.4% and 2022 was 19.3% . HDFC Infrastructure Fund
Growth Launch Date 10 Mar 08 NAV (06 Jun 25) ₹47.762 ↑ 0.17 (0.35 %) Net Assets (Cr) ₹2,392 on 30 Apr 25 Category Equity - Sectoral AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 2.31 Sharpe Ratio -0.27 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 May 20 ₹10,000 31 May 21 ₹18,382 31 May 22 ₹20,960 31 May 23 ₹26,577 31 May 24 ₹47,409 31 May 25 ₹49,598 Returns for HDFC Infrastructure Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 6 Jun 25 Duration Returns 1 Month 7.8% 3 Month 16.5% 6 Month -1.5% 1 Year 7% 3 Year 33.8% 5 Year 35.7% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 -2.5% Fund Manager information for HDFC Infrastructure Fund
Name Since Tenure Srinivasan Ramamurthy 12 Jan 24 1.38 Yr. Dhruv Muchhal 22 Jun 23 1.94 Yr. Data below for HDFC Infrastructure Fund as on 30 Apr 25
Equity Sector Allocation
Sector Value Industrials 37.51% Financial Services 20.97% Basic Materials 11.02% Utility 7.56% Energy 6.75% Communication Services 4.01% Real Estate 2.2% Health Care 1.75% Technology 1.27% Consumer Cyclical 0.48% Asset Allocation
Asset Class Value Cash 6.48% Equity 93.52% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK8% ₹186 Cr 1,300,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 23 | HDFCBANK6% ₹135 Cr 700,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT5% ₹127 Cr 380,000 J Kumar Infraprojects Ltd (Industrials)
Equity, Since 31 Oct 15 | JKIL4% ₹94 Cr 1,450,000 InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Dec 21 | INDIGO3% ₹79 Cr 150,000 NTPC Ltd (Utilities)
Equity, Since 31 Dec 17 | 5325553% ₹78 Cr 2,200,000 Kalpataru Projects International Ltd (Industrials)
Equity, Since 31 Jan 23 | KPIL3% ₹74 Cr 758,285 Reliance Industries Ltd (Energy)
Equity, Since 31 May 24 | RELIANCE3% ₹70 Cr 500,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 20 | BHARTIARTL3% ₹65 Cr 350,000 Paradeep Phosphates Ltd (Basic Materials)
Equity, Since 31 May 22 | 5435303% ₹62 Cr 4,300,000
↓ -400,000 4. Nippon India Power and Infra Fund
CAGR/Annualized
return of 18.3% since its launch. Ranked 13 in Sectoral
category. Return for 2024 was 26.9% , 2023 was 58% and 2022 was 10.9% . Nippon India Power and Infra Fund
Growth Launch Date 8 May 04 NAV (06 Jun 25) ₹346.797 ↑ 1.57 (0.45 %) Net Assets (Cr) ₹7,026 on 30 Apr 25 Category Equity - Sectoral AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk High Expense Ratio 2.05 Sharpe Ratio -0.19 Information Ratio 1.09 Alpha Ratio -2.32 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.
Date Value 31 May 20 ₹10,000 31 May 21 ₹17,696 31 May 22 ₹19,981 31 May 23 ₹25,995 31 May 24 ₹46,664 31 May 25 ₹46,582 Returns for Nippon India Power and Infra Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 6 Jun 25 Duration Returns 1 Month 8% 3 Month 15.9% 6 Month -5.2% 1 Year 2% 3 Year 33.8% 5 Year 34.1% 10 Year 15 Year Since launch 18.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 26.9% 2023 58% 2022 10.9% 2021 48.9% 2020 10.8% 2019 -2.9% 2018 -21.1% 2017 61.7% 2016 0.1% 2015 0.3% Fund Manager information for Nippon India Power and Infra Fund
Name Since Tenure Kinjal Desai 25 May 18 7.02 Yr. Rahul Modi 19 Aug 24 0.78 Yr. Data below for Nippon India Power and Infra Fund as on 30 Apr 25
Equity Sector Allocation
Sector Value Industrials 38.96% Utility 20.7% Energy 9.63% Communication Services 7.86% Basic Materials 7.5% Consumer Cyclical 4.3% Real Estate 3.02% Financial Services 2.18% Health Care 2.09% Technology 2.02% Asset Allocation
Asset Class Value Cash 0.52% Equity 99.48% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 18 | RELIANCE8% ₹576 Cr 4,100,000 NTPC Ltd (Utilities)
Equity, Since 31 May 09 | 5325558% ₹550 Cr 15,500,000
↑ 100,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 18 | BHARTIARTL7% ₹485 Cr 2,600,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 07 | LT6% ₹449 Cr 1,344,337
↓ -127,664 Tata Power Co Ltd (Utilities)
Equity, Since 30 Apr 23 | 5004004% ₹296 Cr 7,700,789
↑ 570,000 UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Oct 19 | 5325383% ₹233 Cr 200,000
↓ -40,038 Kaynes Technology India Ltd (Industrials)
Equity, Since 30 Nov 22 | KAYNES3% ₹213 Cr 370,000
↓ -53,938 Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 30 Sep 24 | 5001033% ₹193 Cr 8,513,730
↑ 513,730 CG Power & Industrial Solutions Ltd (Industrials)
Equity, Since 30 Sep 24 | 5000933% ₹192 Cr 3,057,923
↑ 425,000 Carborundum Universal Ltd (Industrials)
Equity, Since 30 Sep 23 | CARBORUNIV3% ₹184 Cr 1,800,000 5. Franklin India Opportunities Fund
CAGR/Annualized
return of 13.6% since its launch. Ranked 47 in Sectoral
category. Return for 2024 was 37.3% , 2023 was 53.6% and 2022 was -1.9% . Franklin India Opportunities Fund
Growth Launch Date 21 Feb 00 NAV (06 Jun 25) ₹249.327 ↑ 1.52 (0.61 %) Net Assets (Cr) ₹6,485 on 30 Apr 25 Category Equity - Sectoral AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 2.12 Sharpe Ratio 0.19 Information Ratio 1.89 Alpha Ratio 3 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹17,667 31 May 22 ₹17,708 31 May 23 ₹22,025 31 May 24 ₹38,020 31 May 25 ₹41,249 Returns for Franklin India Opportunities Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 6 Jun 25 Duration Returns 1 Month 5.7% 3 Month 13.6% 6 Month -2.7% 1 Year 10.2% 3 Year 33.6% 5 Year 31.7% 10 Year 15 Year Since launch 13.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 37.3% 2023 53.6% 2022 -1.9% 2021 29.7% 2020 27.3% 2019 5.4% 2018 -10.1% 2017 35.6% 2016 4.2% 2015 2.3% Fund Manager information for Franklin India Opportunities Fund
Name Since Tenure Kiran Sebastian 7 Feb 22 3.31 Yr. R. Janakiraman 1 Apr 13 12.17 Yr. Sandeep Manam 18 Oct 21 3.62 Yr. Data below for Franklin India Opportunities Fund as on 30 Apr 25
Equity Sector Allocation
Sector Value Financial Services 19.02% Consumer Cyclical 15.92% Health Care 10.92% Technology 9.86% Communication Services 8.43% Basic Materials 8.14% Energy 6.58% Consumer Defensive 5.67% Industrials 4.86% Real Estate 2.15% Utility 1.33% Asset Allocation
Asset Class Value Cash 7.11% Equity 92.89% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 22 | RELIANCE7% ₹427 Cr 3,038,968
↑ 1,051,870 HDFC Bank Ltd (Financial Services)
Equity, Since 31 May 24 | HDFCBANK6% ₹393 Cr 2,043,971 Hindustan Unilever Ltd (Consumer Defensive)
Equity, Since 30 Jun 24 | HINDUNILVR4% ₹263 Cr 1,121,657
↑ 317,705 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 24 | BHARTIARTL4% ₹250 Cr 1,342,233 Axis Bank Ltd (Financial Services)
Equity, Since 30 Apr 25 | 5322154% ₹231 Cr 1,948,029
↑ 1,948,029 Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 31 May 24 | M&M3% ₹187 Cr 637,966 Lemon Tree Hotels Ltd (Consumer Cyclical)
Equity, Since 31 Aug 24 | LEMONTREE3% ₹176 Cr 12,833,401 Mphasis Ltd (Technology)
Equity, Since 30 Nov 24 | 5262993% ₹175 Cr 710,533 Intellect Design Arena Ltd (Technology)
Equity, Since 30 Jun 24 | INTELLECT3% ₹164 Cr 2,076,823
↑ 2,076,823 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jan 10 | ICICIBANK3% ₹164 Cr 1,148,695