Table of Contents
Top 5 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 long-term capital appreciation for you from a portfolio made up predominantly of equity and equity-related securities of technology intensive companies. ICICI Prudential Technology Fund is a Equity - Sectoral fund was launched on 3 Mar 00. It is a fund with High risk and has given a Below is the key information for ICICI Prudential Technology Fund Returns up to 1 year are on The primary objective of the Scheme is to achieve long-term capital appreciation by predominantly investing in equity & equity related instruments of mid cap companies. However, there is no assurance that the investment objective of the Scheme will be realized. PGIM India Midcap Opportunities Fund is a Equity - Mid Cap fund was launched on 2 Dec 13. It is a fund with High risk and has given a Below is the key information for PGIM India Midcap Opportunities Fund Returns up to 1 year are on (Erstwhile Kotak Midcap Scheme) The investment objective of the Scheme is to generate capital appreciation from a diversified portfolio of equity and equity related securities. Kotak Small Cap Fund is a Equity - Small Cap fund was launched on 24 Feb 05. It is a fund with Moderately High risk and has given a Below is the key information for Kotak Small Cap Fund Returns up to 1 year are on (Erstwhile Aditya Birla Sun Life New Millennium Fund) A multi-sector open-ended growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of 100% equity, focusing on investing in technology and technology dependent companies, hardware, peripherals and components, software, telecom, media, internet and e-commerce and other technology enabled companies. The secondary objective is income generation and distribution of dividend. Aditya Birla Sun Life Digital India Fund is a Equity - Sectoral fund was launched on 15 Jan 00. It is a fund with High risk and has given a Below is the key information for Aditya Birla Sun Life Digital India Fund Returns up to 1 year are on The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related instruments of small cap companies and the secondary objective is to generate consistent returns by investing in debt and money market securities. Nippon India Small Cap Fund is a Equity - Small Cap fund was launched on 16 Sep 10. It is a fund with Moderately High risk and has given a Below is the key information for Nippon India Small Cap Fund Returns up to 1 year are on 1. ICICI Prudential Technology Fund
CAGR/Annualized
return of 12.1% since its launch. Ranked 37 in Sectoral
category. Return for 2021 was 75.7% , 2020 was 70.6% and 2019 was 2.3% . ICICI Prudential Technology Fund
Growth Launch Date 3 Mar 00 NAV (24 Jun 22) ₹128.04 ↓ -0.16 (-0.12 %) Net Assets (Cr) ₹8,772 on 31 May 22 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk High Expense Ratio 2.53 Sharpe Ratio 0.56 Information Ratio 1.04 Alpha Ratio 3.08 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 17 ₹10,000 31 May 18 ₹13,503 31 May 19 ₹14,581 31 May 20 ₹12,859 31 May 21 ₹29,277 31 May 22 ₹33,945 Returns for ICICI Prudential Technology Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 24 Jun 22 Duration Returns 1 Month -2.4% 3 Month -21.4% 6 Month -24.4% 1 Year 0.4% 3 Year 29.5% 5 Year 26.2% 10 Year 15 Year Since launch 12.1% Historical performance (Yearly) on absolute basis
Year Returns 2021 75.7% 2020 70.6% 2019 2.3% 2018 19.1% 2017 19.8% 2016 -4% 2015 3.9% 2014 26.3% 2013 62.6% 2012 17.1% Fund Manager information for ICICI Prudential Technology Fund
Name Since Tenure Priyanka Khandelwal 8 Jul 20 1.9 Yr. Vaibhav Dusad 2 May 20 2.08 Yr. Data below for ICICI Prudential Technology Fund as on 31 May 22
Equity Sector Allocation
Sector Value Technology 81.62% Communication Services 11.35% Industrials 1.69% Consumer Cyclical 0.32% Consumer Defensive 0% Asset Allocation
Asset Class Value Cash 5% Equity 94.98% Other 0.01% Top Securities Holdings / Portfolio
Name Holding Value Quantity Infosys Ltd (Technology)
Equity, Since 30 Apr 08 | INFY31% ₹2,663 Cr 16,989,470
↑ 1,638,799 HCL Technologies Ltd (Technology)
Equity, Since 30 Sep 20 | HCLTECH9% ₹801 Cr 7,419,738
↑ 239,000 Tech Mahindra Ltd (Technology)
Equity, Since 31 Oct 16 | TECHM9% ₹760 Cr 6,039,772
↑ 876,228 Wipro Ltd (Technology)
Equity, Since 30 Sep 19 | WIPRO9% ₹748 Cr 14,707,984
↑ 470,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 20 | BHARTIARTL6% ₹548 Cr 7,409,528
↑ 204,338 Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Sep 19 | TCS6% ₹473 Cr 1,334,145
↑ 391,722 Mphasis Ltd (Technology)
Equity, Since 30 Jun 20 | MPHASIS3% ₹221 Cr 777,415
↑ 250,120 MindTree Ltd (Technology)
Equity, Since 30 Jun 20 | MINDTREE2% ₹155 Cr 436,971
↑ 148,597 Persistent Systems Ltd (Technology)
Equity, Since 31 May 20 | PERSISTENT2% ₹128 Cr 295,270
↑ 77,202 Coforge Ltd (Technology)
Equity, Since 31 Jul 20 | COFORGE1% ₹113 Cr 269,530
↑ 79,000 2. PGIM India Midcap Opportunities Fund
CAGR/Annualized
return of 16.9% since its launch. Ranked 40 in Mid Cap
category. Return for 2021 was 63.8% , 2020 was 48.4% and 2019 was 3.6% . PGIM India Midcap Opportunities Fund
Growth Launch Date 2 Dec 13 NAV (24 Jun 22) ₹38.16 ↑ 0.44 (1.17 %) Net Assets (Cr) ₹5,119 on 31 May 22 Category Equity - Mid Cap AMC Pramerica Asset Managers Private Limited Rating ☆ Risk High Expense Ratio 2.53 Sharpe Ratio 0.76 Information Ratio 1.35 Alpha Ratio 4.66 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-365 Days (1%),365 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 May 17 ₹10,000 31 May 18 ₹10,678 31 May 19 ₹9,861 31 May 20 ₹8,889 31 May 21 ₹18,584 31 May 22 ₹21,357 Returns for PGIM India Midcap Opportunities Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 24 Jun 22 Duration Returns 1 Month -1.8% 3 Month -8.7% 6 Month -11% 1 Year 5.6% 3 Year 29.1% 5 Year 15.2% 10 Year 15 Year Since launch 16.9% Historical performance (Yearly) on absolute basis
Year Returns 2021 63.8% 2020 48.4% 2019 3.6% 2018 -16.1% 2017 37% 2016 -1.3% 2015 7.9% 2014 42.8% 2013 2012 Fund Manager information for PGIM India Midcap Opportunities Fund
Name Since Tenure Aniruddha Naha 1 Jun 21 1 Yr. Vivek Sharma 1 Jun 21 1 Yr. Kunal Jain 1 Dec 21 0.5 Yr. Data below for PGIM India Midcap Opportunities Fund as on 31 May 22
Equity Sector Allocation
Sector Value Industrials 22.3% Basic Materials 19.5% Financial Services 15.89% Consumer Cyclical 10.97% Technology 10.34% Health Care 7.63% Consumer Defensive 5.39% Utility 2.21% Real Estate 1.91% Communication Services 1.68% Asset Allocation
Asset Class Value Cash 2.17% Equity 97.83% Top Securities Holdings / Portfolio
Name Holding Value Quantity Persistent Systems Ltd (Technology)
Equity, Since 30 Nov 21 | PERSISTENT4% ₹210 Cr 486,573 HDFC Bank Ltd (Financial Services)
Equity, Since 28 Feb 22 | HDFCBANK4% ₹187 Cr 1,350,000
↑ 225,000 TVS Motor Co Ltd (Consumer Cyclical)
Equity, Since 31 Oct 21 | TVSMOTOR4% ₹180 Cr 2,750,000
↑ 250,000 The Federal Bank Ltd (Financial Services)
Equity, Since 30 Jun 20 | FEDERALBNK4% ₹178 Cr 18,516,000
↑ 1,500,000 Dalmia Bharat Ltd (Basic Materials)
Equity, Since 31 Jul 21 | DALBHARAT3% ₹175 Cr 1,150,154
↑ 50,000 Cummins India Ltd (Industrials)
Equity, Since 31 Dec 20 | CUMMINSIND3% ₹167 Cr 1,622,298 ABB India Ltd (Industrials)
Equity, Since 30 Sep 21 | ABB3% ₹163 Cr 777,973 Ashok Leyland Ltd (Industrials)
Equity, Since 30 Apr 20 | ASHOKLEY3% ₹159 Cr 12,500,000 Varun Beverages Ltd (Consumer Defensive)
Equity, Since 30 Jun 21 | VBL3% ₹153 Cr 1,414,293 Timken India Ltd (Industrials)
Equity, Since 30 Sep 21 | TIMKEN3% ₹144 Cr 724,231
↑ 25,000 3. Kotak Small Cap Fund
CAGR/Annualized
return of 16.7% since its launch. Ranked 23 in Small Cap
category. Return for 2021 was 70.9% , 2020 was 34.2% and 2019 was 5% . Kotak Small Cap Fund
Growth Launch Date 24 Feb 05 NAV (24 Jun 22) ₹145.656 ↑ 1.35 (0.93 %) Net Assets (Cr) ₹7,192 on 31 May 22 Category Equity - Small Cap AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 1.89 Sharpe Ratio 0.83 Information Ratio 1.39 Alpha Ratio 6.87 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 May 17 ₹10,000 31 May 18 ₹10,839 31 May 19 ₹10,011 31 May 20 ₹7,847 31 May 21 ₹18,478 31 May 22 ₹21,258 Returns for Kotak Small Cap Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 24 Jun 22 Duration Returns 1 Month -3.8% 3 Month -9.1% 6 Month -10.8% 1 Year 5% 3 Year 27.6% 5 Year 15% 10 Year 15 Year Since launch 16.7% Historical performance (Yearly) on absolute basis
Year Returns 2021 70.9% 2020 34.2% 2019 5% 2018 -17.3% 2017 44% 2016 8.9% 2015 7.4% 2014 74% 2013 -4.9% 2012 50.2% Fund Manager information for Kotak Small Cap Fund
Name Since Tenure Pankaj Tibrewal 21 Jan 10 12.37 Yr. Arjun Khanna 30 Apr 22 0.09 Yr. Data below for Kotak Small Cap Fund as on 31 May 22
Equity Sector Allocation
Sector Value Industrials 30.73% Consumer Cyclical 30.47% Basic Materials 18.61% Financial Services 4.61% Technology 4.05% Health Care 3.37% Real Estate 1.36% Consumer Defensive 1.26% Energy 0.54% Asset Allocation
Asset Class Value Cash 4.59% Equity 95.41% Top Securities Holdings / Portfolio
Name Holding Value Quantity Century Plyboards (India) Ltd (Consumer Cyclical)
Equity, Since 31 Oct 18 | CENTURYPLY5% ₹383 Cr 6,029,612
↑ 121,778 Sheela Foam Ltd (Consumer Cyclical)
Equity, Since 30 Jun 18 | SFL5% ₹339 Cr 963,274
↓ -1,849 Carborundum Universal Ltd (Industrials)
Equity, Since 30 Jun 18 | CARBORUNIV4% ₹287 Cr 3,748,104
↑ 204,977 Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Jan 18 | AMBER3% ₹251 Cr 676,952
↑ 24,008 Galaxy Surfactants Ltd (Basic Materials)
Equity, Since 31 Jan 18 | GALAXYSURF3% ₹234 Cr 802,595
↑ 10,000 Blue Star Ltd (Industrials)
Equity, Since 31 May 18 | BLUESTARCO3% ₹225 Cr 1,978,982 Ratnamani Metals & Tubes Ltd (Basic Materials)
Equity, Since 31 Jan 18 | RATNAMANI3% ₹213 Cr 904,561 Persistent Systems Ltd (Technology)
Equity, Since 31 Jul 13 | PERSISTENT3% ₹205 Cr 474,169 Supreme Industries Ltd (Industrials)
Equity, Since 31 May 14 | SUPREMEIND3% ₹193 Cr 990,770 Cyient Ltd (Industrials)
Equity, Since 31 Dec 19 | CYIENT3% ₹185 Cr 2,090,218 4. Aditya Birla Sun Life Digital India Fund
CAGR/Annualized
return of 11.3% since its launch. Ranked 33 in Sectoral
category. Return for 2021 was 70.5% , 2020 was 59% and 2019 was 9.6% . Aditya Birla Sun Life Digital India Fund
Growth Launch Date 15 Jan 00 NAV (24 Jun 22) ₹109.54 ↓ -0.23 (-0.21 %) Net Assets (Cr) ₹3,028 on 31 May 22 Category Equity - Sectoral AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆ Risk High Expense Ratio 2.56 Sharpe Ratio 0.38 Information Ratio 0.96 Alpha Ratio -1.63 Min Investment 1,000 Min SIP Investment 100 Exit Load 0-365 Days (1%),365 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 May 17 ₹10,000 31 May 18 ₹14,093 31 May 19 ₹14,863 31 May 20 ₹13,951 31 May 21 ₹29,633 31 May 22 ₹32,722 Returns for Aditya Birla Sun Life Digital India Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 24 Jun 22 Duration Returns 1 Month -2.2% 3 Month -20.8% 6 Month -24.1% 1 Year -2.7% 3 Year 27.3% 5 Year 25.3% 10 Year 15 Year Since launch 11.3% Historical performance (Yearly) on absolute basis
Year Returns 2021 70.5% 2020 59% 2019 9.6% 2018 15.6% 2017 22.4% 2016 -3.5% 2015 11.2% 2014 21.1% 2013 50.2% 2012 3.7% Fund Manager information for Aditya Birla Sun Life Digital India Fund
Name Since Tenure Kunal Sangoi 15 Jan 14 8.38 Yr. Data below for Aditya Birla Sun Life Digital India Fund as on 31 May 22
Equity Sector Allocation
Sector Value Technology 77.07% Communication Services 9.84% Industrials 7.11% Consumer Cyclical 1.69% Asset Allocation
Asset Class Value Cash 4.29% Equity 95.71% Top Securities Holdings / Portfolio
Name Holding Value Quantity Infosys Ltd (Technology)
Equity, Since 30 Apr 05 | INFY22% ₹685 Cr 4,371,816
↑ 650,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Apr 05 | TCS10% ₹310 Cr 875,450 HCL Technologies Ltd (Technology)
Equity, Since 31 Dec 10 | HCLTECH8% ₹261 Cr 2,421,227
↓ -202,704 Tech Mahindra Ltd (Technology)
Equity, Since 31 May 13 | TECHM7% ₹229 Cr 1,814,943
↑ 200,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Aug 19 | BHARTIARTL6% ₹189 Cr 2,551,670
↑ 100,000 Wipro Ltd (Technology)
Equity, Since 31 Jan 21 | WIPRO5% ₹166 Cr 3,261,888
↓ -200,000 Cyient Ltd (Industrials)
Equity, Since 31 May 14 | CYIENT3% ₹108 Cr 1,221,725
↑ 33,062 MindTree Ltd (Technology)
Equity, Since 30 Nov 20 | MINDTREE2% ₹79 Cr 221,745
↑ 86,745 Coforge Ltd (Technology)
Equity, Since 30 Jun 20 | COFORGE2% ₹78 Cr 185,774
↑ 20,000 Mphasis Ltd (Technology)
Equity, Since 29 Feb 20 | MPHASIS2% ₹76 Cr 265,923 5. Nippon India Small Cap Fund
CAGR/Annualized
return of 18.9% since its launch. Ranked 6 in Small Cap
category. Return for 2021 was 74.3% , 2020 was 29.2% and 2019 was -2.5% . Nippon India Small Cap Fund
Growth Launch Date 16 Sep 10 NAV (24 Jun 22) ₹76.5735 ↑ 1.28 (1.71 %) Net Assets (Cr) ₹18,675 on 31 May 22 Category Equity - Small Cap AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.98 Sharpe Ratio 0.91 Information Ratio 1.34 Alpha Ratio 9.67 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 17 ₹10,000 31 May 18 ₹12,023 31 May 19 ₹11,240 31 May 20 ₹8,379 31 May 21 ₹18,461 31 May 22 ₹22,068 Returns for Nippon India Small Cap Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 24 Jun 22 Duration Returns 1 Month -1.9% 3 Month -8.7% 6 Month -8.8% 1 Year 8.8% 3 Year 25.4% 5 Year 15.5% 10 Year 15 Year Since launch 18.9% Historical performance (Yearly) on absolute basis
Year Returns 2021 74.3% 2020 29.2% 2019 -2.5% 2018 -16.7% 2017 63% 2016 5.6% 2015 15.1% 2014 97.6% 2013 11.9% 2012 41.9% Fund Manager information for Nippon India Small Cap Fund
Name Since Tenure Samir Rachh 2 Jan 17 5.41 Yr. Kinjal Desai 25 May 18 4.02 Yr. Data below for Nippon India Small Cap Fund as on 31 May 22
Equity Sector Allocation
Sector Value Industrials 20.63% Basic Materials 17.23% Consumer Cyclical 15.73% Financial Services 12.81% Consumer Defensive 11.44% Technology 9.77% Health Care 4.85% Communication Services 3.13% Real Estate 0.57% Utility 0.07% Asset Allocation
Asset Class Value Cash 2.66% Equity 97.34% Top Securities Holdings / Portfolio
Name Holding Value Quantity Tube Investments of India Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 30 Apr 18 | TIINDIA3% ₹615 Cr 3,296,395 NIIT Ltd (Consumer Defensive)
Equity, Since 29 Feb 12 | NIITLTD3% ₹582 Cr 10,139,961 CreditAccess Grameen Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Jul 19 | CREDITACC2% ₹450 Cr 4,343,685
↑ 51,366 KPIT Technologies Ltd (Technology)
Equity, Since 30 Jun 19 | KPITTECH2% ₹443 Cr 8,004,004 Poonawalla Fincorp Ltd (Financial Services)
Equity, Since 28 Feb 18 | POONAWALLA2% ₹432 Cr 14,087,931 Deepak Nitrite Ltd (Basic Materials)
Equity, Since 31 Dec 16 | DEEPAKNTR2% ₹418 Cr 1,797,743
↓ -284,449 Navin Fluorine International Ltd (Basic Materials)
Equity, Since 30 Sep 11 | NAVINFLUOR2% ₹388 Cr 986,721 Balrampur Chini Mills Ltd (Consumer Defensive)
Equity, Since 28 Feb 19 | BALRAMCHIN2% ₹385 Cr 8,691,212
↓ -808,788 Bajaj Electricals Ltd (Consumer Cyclical)
Equity, Since 31 Mar 16 | BAJAJELEC2% ₹336 Cr 3,062,071 Orient Electric Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 May 18 | ORIENTELEC2% ₹320 Cr 9,706,033