+91-22-48913909Risk in SIP: Assessment of Risk in SIP Investment
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).
Risk in SIP: Assessment of SIP Risks
Risk 1: The risk of SIP getting a negative return or price risk
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).
Risk 2: The risk being able to get your money back quickly or liquidity risk
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.
Risk 3: The risk of downgrade of a security or credit 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.
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Risk 4: The risk of the company not paying the owners of the bond their due or default risk
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.
Risk 5: The risk of processing your transaction correctly or technology risk
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.
Fund Selection Methodology used to find 5 funds
Risk 6: The risk of scheme performance by the portfolio manager or fund management risk
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
"The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized." Below is the key information for DSP World Gold 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. Research Highlights for SBI PSU Fund Below is the key information for SBI PSU Fund Returns up to 1 year are on 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. Research Highlights for Invesco India PSU Equity Fund Below is the key information for Invesco India PSU Equity 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. Research Highlights for Franklin India Opportunities Fund Below is the key information for Franklin India Opportunities Fund Returns up to 1 year are on The investment objective of the scheme is to provide long term growth from a portfolio of equity / equity related instruments of companies engaged either directly or indirectly in the infrastructure sector. Research Highlights for LIC MF Infrastructure Fund Below is the key information for LIC MF Infrastructure Fund Returns up to 1 year are on 1. DSP World Gold Fund
DSP World Gold Fund
Growth Launch Date 14 Sep 07 NAV (05 Feb 26) ₹57.6652 ↓ -3.01 (-4.96 %) Net Assets (Cr) ₹1,756 on 31 Dec 25 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.41 Sharpe Ratio 3.42 Information Ratio -0.67 Alpha Ratio 1.32 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.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹8,807 31 Jan 23 ₹9,422 31 Jan 24 ₹8,517 31 Jan 25 ₹12,548 31 Jan 26 ₹33,170 Returns for DSP World Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Feb 26 Duration Returns 1 Month 5.4% 3 Month 40% 6 Month 75.8% 1 Year 134.7% 3 Year 49.4% 5 Year 26.1% 10 Year 15 Year Since launch 10% Historical performance (Yearly) on absolute basis
Year Returns 2024 167.1% 2023 15.9% 2022 7% 2021 -7.7% 2020 -9% 2019 31.4% 2018 35.1% 2017 -10.7% 2016 -4% 2015 52.7% Fund Manager information for DSP World Gold Fund
Name Since Tenure Jay Kothari 1 Mar 13 12.85 Yr. Data below for DSP World Gold Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Basic Materials 94.95% Asset Allocation
Asset Class Value Cash 2.43% Equity 94.95% Debt 0.01% Other 2.6% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Gold I2
Investment Fund | -74% ₹1,294 Cr 1,219,254
↓ -59,731 VanEck Gold Miners ETF
- | GDX25% ₹442 Cr 573,719 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -2% ₹28 Cr Net Receivables/Payables
Net Current Assets | -0% -₹8 Cr 2. SBI PSU Fund
SBI PSU Fund
Growth Launch Date 7 Jul 10 NAV (06 Feb 26) ₹35.3653 ↑ 0.08 (0.22 %) Net Assets (Cr) ₹5,817 on 31 Dec 25 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating ☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio 0.33 Information Ratio -0.47 Alpha Ratio -0.22 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 Jan 21 ₹10,000 31 Jan 22 ₹14,656 31 Jan 23 ₹17,067 31 Jan 24 ₹30,032 31 Jan 25 ₹32,242 31 Jan 26 ₹38,028 Returns for SBI PSU Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Feb 26 Duration Returns 1 Month 2.2% 3 Month 6.1% 6 Month 13.9% 1 Year 21.8% 3 Year 32.7% 5 Year 28.4% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 11.3% 2023 23.5% 2022 54% 2021 29% 2020 32.4% 2019 -10% 2018 6% 2017 -23.8% 2016 21.9% 2015 16.2% Fund Manager information for SBI PSU Fund
Name Since Tenure Rohit Shimpi 1 Jun 24 1.59 Yr. Data below for SBI PSU Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Financial Services 35.24% Utility 29.32% Energy 13.87% Industrials 12% Basic Materials 6.69% Asset Allocation
Asset Class Value Cash 2.8% Equity 97.11% Debt 0.08% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank of India (Financial Services)
Equity, Since 31 Jul 10 | SBIN17% ₹975 Cr 9,927,500 Bharat Electronics Ltd (Industrials)
Equity, Since 30 Jun 24 | BEL9% ₹518 Cr 12,975,000 NTPC Ltd (Utilities)
Equity, Since 31 Jul 10 | 5325559% ₹509 Cr 15,443,244
↑ 900,000 GAIL (India) Ltd (Utilities)
Equity, Since 31 May 24 | 5321559% ₹502 Cr 29,150,000
↑ 3,400,000 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jul 10 | 5328988% ₹467 Cr 17,635,554
↑ 1,100,000 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 31 Aug 24 | 5005476% ₹372 Cr 9,700,000 Bank of Baroda (Financial Services)
Equity, Since 31 Aug 24 | 5321346% ₹325 Cr 11,000,000 NMDC Ltd (Basic Materials)
Equity, Since 31 Oct 23 | 5263714% ₹232 Cr 27,900,000 Indian Bank (Financial Services)
Equity, Since 30 Jun 21 | 5328143% ₹203 Cr 2,427,235 Oil India Ltd (Energy)
Equity, Since 31 Mar 24 | OIL3% ₹163 Cr 3,850,000 3. Invesco India PSU Equity Fund
Invesco India PSU Equity Fund
Growth Launch Date 18 Nov 09 NAV (06 Feb 26) ₹66.66 ↓ -0.26 (-0.39 %) Net Assets (Cr) ₹1,449 on 31 Dec 25 Category Equity - Sectoral AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk High Expense Ratio 2.14 Sharpe Ratio 0.27 Information Ratio -0.37 Alpha Ratio -1.9 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 Jan 21 ₹10,000 31 Jan 22 ₹13,872 31 Jan 23 ₹15,622 31 Jan 24 ₹26,577 31 Jan 25 ₹29,948 31 Jan 26 ₹35,297 Returns for Invesco India PSU Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Feb 26 Duration Returns 1 Month -1.1% 3 Month 1.5% 6 Month 8% 1 Year 19.7% 3 Year 31.1% 5 Year 26.8% 10 Year 15 Year Since launch 12.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 10.3% 2023 25.6% 2022 54.5% 2021 20.5% 2020 31.1% 2019 6.1% 2018 10.1% 2017 -16.9% 2016 24.3% 2015 17.9% Fund Manager information for Invesco India PSU Equity Fund
Name Since Tenure Hiten Jain 1 Jul 25 0.5 Yr. Sagar Gandhi 1 Jul 25 0.5 Yr. Data below for Invesco India PSU Equity Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Industrials 31.01% Financial Services 29.88% Utility 19.12% Energy 13.49% Basic Materials 3.52% Consumer Cyclical 1.22% Asset Allocation
Asset Class Value Cash 1.76% Equity 98.24% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank of India (Financial Services)
Equity, Since 28 Feb 21 | SBIN9% ₹136 Cr 1,387,617
↓ -38,697 Bharat Electronics Ltd (Industrials)
Equity, Since 31 Mar 17 | BEL8% ₹120 Cr 2,997,692 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 30 Sep 18 | 5005477% ₹104 Cr 2,717,009
↓ -184,556 Indian Bank (Financial Services)
Equity, Since 30 Jun 21 | 5328147% ₹97 Cr 1,157,444
↑ 76,826 NTPC Green Energy Ltd (Utilities)
Equity, Since 30 Nov 24 | NTPCGREEN6% ₹86 Cr 9,129,820
↑ 339,034 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | HAL6% ₹86 Cr 196,158 Bank of Baroda (Financial Services)
Equity, Since 30 Jun 21 | 5321345% ₹66 Cr 2,244,222
↑ 127,830 Bharat Dynamics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | BDL5% ₹65 Cr 445,685
↑ 21,640 Dredging Corp of India Ltd (Industrials)
Equity, Since 31 Jul 25 | DREDGECORP4% ₹64 Cr 646,300 NTPC Ltd (Utilities)
Equity, Since 31 May 19 | 5325554% ₹59 Cr 1,801,543
↓ -223,420 4. Franklin India Opportunities Fund
Franklin India Opportunities Fund
Growth Launch Date 21 Feb 00 NAV (05 Feb 26) ₹252.057 ↓ -1.64 (-0.65 %) Net Assets (Cr) ₹8,380 on 31 Dec 25 Category Equity - Sectoral AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 1.83 Sharpe Ratio -0.1 Information Ratio 1.69 Alpha Ratio -4.27 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 Jan 21 ₹10,000 31 Jan 22 ₹12,618 31 Jan 23 ₹12,455 31 Jan 24 ₹20,675 31 Jan 25 ₹25,253 31 Jan 26 ₹26,952 Returns for Franklin India Opportunities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Feb 26 Duration Returns 1 Month -4.2% 3 Month -3.9% 6 Month 0.7% 1 Year 5.4% 3 Year 29.9% 5 Year 20% 10 Year 15 Year Since launch 13.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 3.1% 2023 37.3% 2022 53.6% 2021 -1.9% 2020 29.7% 2019 27.3% 2018 5.4% 2017 -10.1% 2016 35.6% 2015 4.2% Fund Manager information for Franklin India Opportunities Fund
Name Since Tenure Kiran Sebastian 7 Feb 22 3.9 Yr. R. Janakiraman 1 Apr 13 12.76 Yr. Sandeep Manam 18 Oct 21 4.21 Yr. Data below for Franklin India Opportunities Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Financial Services 23.16% Consumer Cyclical 15.36% Technology 15.21% Health Care 11.71% Industrials 9.45% Basic Materials 8.79% Communication Services 6.09% Energy 3.11% Utility 2.49% Real Estate 0.46% Asset Allocation
Asset Class Value Cash 4.14% Equity 95.84% Top Securities Holdings / Portfolio
Name Holding Value Quantity Axis Bank Ltd (Financial Services)
Equity, Since 30 Apr 25 | 5322156% ₹501 Cr 3,948,707 State Bank of India (Financial Services)
Equity, Since 31 Oct 25 | SBIN6% ₹489 Cr 4,981,006 Amphenol Corp Class A (Technology)
Equity, Since 31 Jul 25 | APH3% ₹285 Cr 234,384 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 22 | RELIANCE3% ₹261 Cr 1,661,519 APL Apollo Tubes Ltd (Basic Materials)
Equity, Since 31 Oct 24 | APLAPOLLO3% ₹247 Cr 1,289,735 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 24 | BHARTIARTL3% ₹244 Cr 1,158,502 Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 31 May 24 | M&M3% ₹237 Cr 637,966 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 30 Nov 25 | HAL3% ₹233 Cr 531,519 Mphasis Ltd (Technology)
Equity, Since 30 Nov 24 | 5262993% ₹227 Cr 814,231 IDFC First Bank Ltd (Financial Services)
Equity, Since 30 Jun 25 | IDFCFIRSTB3% ₹222 Cr 25,878,858
↑ 5,038,869 5. LIC MF Infrastructure Fund
LIC MF Infrastructure Fund
Growth Launch Date 29 Feb 08 NAV (06 Feb 26) ₹49.5423 ↑ 0.11 (0.23 %) Net Assets (Cr) ₹1,003 on 31 Dec 25 Category Equity - Sectoral AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating Risk High Expense Ratio 2.21 Sharpe Ratio -0.21 Information Ratio 0.28 Alpha Ratio -18.43 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.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹15,011 31 Jan 23 ₹15,567 31 Jan 24 ₹24,683 31 Jan 25 ₹30,671 31 Jan 26 ₹31,739 Returns for LIC MF Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Feb 26 Duration Returns 1 Month -0.9% 3 Month -1.2% 6 Month 2% 1 Year 10.1% 3 Year 28.6% 5 Year 24.3% 10 Year 15 Year Since launch 9.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 -3.7% 2023 47.8% 2022 44.4% 2021 7.9% 2020 46.6% 2019 -0.1% 2018 13.3% 2017 -14.6% 2016 42.2% 2015 -2.2% Fund Manager information for LIC MF Infrastructure Fund
Name Since Tenure Yogesh Patil 18 Sep 20 5.29 Yr. Mahesh Bendre 1 Jul 24 1.5 Yr. Data below for LIC MF Infrastructure Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Industrials 47.89% Consumer Cyclical 13.2% Basic Materials 9.06% Financial Services 6.21% Utility 5.93% Technology 3.68% Real Estate 3.55% Communication Services 3.18% Health Care 3.07% Asset Allocation
Asset Class Value Cash 4.22% Equity 95.78% Top Securities Holdings / Portfolio
Name Holding Value Quantity Shakti Pumps (India) Ltd (Industrials)
Equity, Since 31 Mar 24 | SHAKTIPUMP5% ₹50 Cr 686,379
↓ -7,478 Tata Motors Ltd (Consumer Cyclical)
Equity, Since 31 Oct 25 | TMCV5% ₹45 Cr 1,088,395
↓ -159,564 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Apr 09 | LT4% ₹44 Cr 108,403
↓ -1,181 REC Ltd (Financial Services)
Equity, Since 31 Jul 23 | 5329553% ₹32 Cr 901,191
↓ -9,818 Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 30 Jun 25 | APOLLOHOSP3% ₹31 Cr 43,674
↓ -475 Garware Hi-Tech Films Ltd (Basic Materials)
Equity, Since 31 Aug 23 | 5006553% ₹29 Cr 93,271
↓ -1,016 Mahindra Lifespace Developers Ltd (Real Estate)
Equity, Since 30 Jun 24 | MAHLIFE3% ₹26 Cr 659,065
↓ -7,180 Avalon Technologies Ltd (Technology)
Equity, Since 31 Jul 23 | AVALON3% ₹25 Cr 289,118
↑ 2,984 Cummins India Ltd (Industrials)
Equity, Since 31 May 21 | 5004803% ₹25 Cr 56,889
↓ -619 Bharat Bijlee Ltd (Industrials)
Equity, Since 31 Jul 22 | BBL2% ₹25 Cr 92,624
↓ -1,009
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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Research Highlights for DSP World Gold Fund