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.
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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 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 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 To provide the investors maximum growth opportunity through equity
investments in stocks of growth oriented sectors of the economy. SBI Contra Fund is a Equity - Contra fund was launched on 6 May 05. It is a fund with Moderately High risk and has given a Below is the key information for SBI Contra Fund Returns up to 1 year are on (Erstwhile SBI IT Fund) To provide the investors maximum growth opportunity through equity
investments in stocks of growth oriented sectors of the economy. SBI Technology Opportunities Fund is a Equity - Sectoral fund was launched on 9 Jan 13. It is a fund with High risk and has given a Below is the key information for SBI Technology Opportunities Fund Returns up to 1 year are on 1. ICICI Prudential Technology Fund
CAGR/Annualized
return of 12.2% since its launch. Ranked 37 in Sectoral
category. Return for 2022 was -23.2% , 2021 was 75.7% and 2020 was 70.6% . ICICI Prudential Technology Fund
Growth Launch Date 3 Mar 00 NAV (03 Feb 23) ₹140.54 ↑ 1.17 (0.84 %) Net Assets (Cr) ₹8,794 on 31 Dec 22 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk High Expense Ratio 2.07 Sharpe Ratio -1.37 Information Ratio 1.06 Alpha Ratio -7.36 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 Jan 18 ₹10,000 31 Jan 19 ₹11,695 31 Jan 20 ₹11,832 31 Jan 21 ₹19,316 31 Jan 22 ₹30,731 31 Jan 23 ₹26,514 Returns for ICICI Prudential Technology Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 3 Feb 23 Duration Returns 1 Month 4.4% 3 Month 4.4% 6 Month 3.9% 1 Year -12% 3 Year 32.4% 5 Year 22.5% 10 Year 15 Year Since launch 12.2% Historical performance (Yearly) on absolute basis
Year Returns 2022 -23.2% 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% Fund Manager information for ICICI Prudential Technology Fund
Name Since Tenure Vaibhav Dusad 2 May 20 2.67 Yr. Sharmila D’mello 30 Jun 22 0.51 Yr. Data below for ICICI Prudential Technology Fund as on 31 Dec 22
Equity Sector Allocation
Sector Value Technology 77.94% Communication Services 14.81% Industrials 1.91% Consumer Cyclical 1.51% Energy 0.1% Financial Services 0.07% Consumer Defensive 0.06% Asset Allocation
Asset Class Value Cash 3.59% Equity 96.41% Top Securities Holdings / Portfolio
Name Holding Value Quantity Infosys Ltd (Technology)
Equity, Since 30 Apr 08 | INFY35% ₹3,042 Cr 20,171,950
↑ 526,766 Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Sep 19 | TCS18% ₹1,586 Cr 4,869,655
↓ -2,837 HCL Technologies Ltd (Technology)
Equity, Since 30 Sep 20 | HCLTECH9% ₹753 Cr 7,242,552
↓ -1,219,624 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 20 | BHARTIARTL8% ₹722 Cr 8,955,724
↑ 571,524 Wipro Ltd (Technology)
Equity, Since 30 Sep 19 | WIPRO4% ₹377 Cr 9,594,302
↓ -1,551,782 Tech Mahindra Ltd (Technology)
Equity, Since 31 Oct 16 | TECHM3% ₹273 Cr 2,683,650
↓ -328,256 LTIMindtree Ltd (Technology)
Equity, Since 31 Jul 16 | LTIM2% ₹168 Cr 384,915
↓ -16,980 Zee Entertainment Enterprises Ltd (Communication Services)
Equity, Since 31 Jan 22 | ZEEL2% ₹136 Cr 5,670,671
↑ 330,100 Accenture PLC Class A (Technology)
Equity, Since 28 Feb 21 | ACN1% ₹96 Cr 43,600 IndiaMART InterMESH Ltd (Communication Services)
Equity, Since 30 Jun 20 | INDIAMART1% ₹83 Cr 192,122
↑ 28,962 2. Nippon India Small Cap Fund
CAGR/Annualized
return of 19.5% since its launch. Ranked 6 in Small Cap
category. Return for 2022 was 6.5% , 2021 was 74.3% and 2020 was 29.2% . Nippon India Small Cap Fund
Growth Launch Date 16 Sep 10 NAV (03 Feb 23) ₹91.0205 ↑ 0.03 (0.03 %) Net Assets (Cr) ₹23,701 on 31 Dec 22 Category Equity - Small Cap AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.86 Sharpe Ratio 0.17 Information Ratio 1.43 Alpha Ratio 7.6 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 Jan 18 ₹10,000 31 Jan 19 ₹8,121 31 Jan 20 ₹8,857 31 Jan 21 ₹10,750 31 Jan 22 ₹18,551 31 Jan 23 ₹19,678 Returns for Nippon India Small Cap Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 3 Feb 23 Duration Returns 1 Month -2.9% 3 Month -1.9% 6 Month 5.6% 1 Year 3.6% 3 Year 31.1% 5 Year 15.1% 10 Year 15 Year Since launch 19.5% Historical performance (Yearly) on absolute basis
Year Returns 2022 6.5% 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% Fund Manager information for Nippon India Small Cap Fund
Name Since Tenure Samir Rachh 2 Jan 17 6 Yr. Kinjal Desai 25 May 18 4.61 Yr. Akshay Sharma 1 Dec 22 0.08 Yr. Data below for Nippon India Small Cap Fund as on 31 Dec 22
Equity Sector Allocation
Sector Value Industrials 24.72% Consumer Cyclical 16.35% Financial Services 15.74% Basic Materials 15.66% Consumer Defensive 7.99% Technology 6.8% Health Care 5.02% Communication Services 1.37% Energy 0.59% Real Estate 0.49% Utility 0.37% Asset Allocation
Asset Class Value Cash 3.54% Equity 96.46% Top Securities Holdings / Portfolio
Name Holding Value Quantity Tube Investments of India Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 30 Apr 18 | TIINDIA4% ₹907 Cr 3,267,559 Bank of Baroda (Financial Services)
Equity, Since 31 Mar 21 | BANKBARODA2% ₹465 Cr 25,045,248 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 22 | HDFCBANK2% ₹440 Cr 2,700,000 KPIT Technologies Ltd (Technology)
Equity, Since 30 Jun 19 | KPITTECH2% ₹383 Cr 5,444,917
↓ -110,000 Bajaj Electricals Ltd (Consumer Cyclical)
Equity, Since 31 Mar 16 | BAJAJELEC2% ₹372 Cr 3,062,071 Balrampur Chini Mills Ltd (Consumer Defensive)
Equity, Since 28 Feb 19 | BALRAMCHIN2% ₹369 Cr 9,291,212 Fine Organic Industries Ltd Ordinary Shares (Basic Materials)
Equity, Since 30 Jun 18 | FINEORG1% ₹348 Cr 605,377 State Bank of India (Financial Services)
Equity, Since 31 Oct 19 | SBIN1% ₹335 Cr 5,466,500 Tejas Networks Ltd (Technology)
Equity, Since 30 Jun 17 | TEJASNET1% ₹333 Cr 5,763,697 Timken India Ltd (Industrials)
Equity, Since 28 Feb 18 | TIMKEN1% ₹331 Cr 1,067,270 3. PGIM India Midcap Opportunities Fund
CAGR/Annualized
return of 17.1% since its launch. Ranked 40 in Mid Cap
category. Return for 2022 was -1.7% , 2021 was 63.8% and 2020 was 48.4% . PGIM India Midcap Opportunities Fund
Growth Launch Date 2 Dec 13 NAV (03 Feb 23) ₹42.49 ↓ -0.06 (-0.14 %) Net Assets (Cr) ₹7,558 on 31 Dec 22 Category Equity - Mid Cap AMC Pramerica Asset Managers Private Limited Rating ☆ Risk High Expense Ratio 0 Sharpe Ratio -0.31 Information Ratio 1.24 Alpha Ratio -5.7 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 Jan 18 ₹10,000 31 Jan 19 ₹8,421 31 Jan 20 ₹9,640 31 Jan 21 ₹13,641 31 Jan 22 ₹21,564 31 Jan 23 ₹21,046 Returns for PGIM India Midcap Opportunities Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 3 Feb 23 Duration Returns 1 Month -3.4% 3 Month -6.3% 6 Month -1.3% 1 Year -4.5% 3 Year 30.2% 5 Year 17% 10 Year 15 Year Since launch 17.1% Historical performance (Yearly) on absolute basis
Year Returns 2022 -1.7% 2021 63.8% 2020 48.4% 2019 3.6% 2018 -16.1% 2017 37% 2016 -1.3% 2015 7.9% 2014 42.8% 2013 Fund Manager information for PGIM India Midcap Opportunities Fund
Name Since Tenure Aniruddha Naha 1 Jun 21 1.59 Yr. Puneet Pal 16 Jul 22 0.46 Yr. Vivek Sharma 1 Jun 21 1.59 Yr. Data below for PGIM India Midcap Opportunities Fund as on 31 Dec 22
Equity Sector Allocation
Sector Value Industrials 23.41% Consumer Cyclical 18.3% Financial Services 17.99% Basic Materials 9.24% Health Care 7.42% Consumer Defensive 5.51% Real Estate 3.03% Technology 3% Utility 1.4% Communication Services 1.37% Asset Allocation
Asset Class Value Cash 9.34% Equity 90.66% Top Securities Holdings / Portfolio
Name Holding Value Quantity Cummins India Ltd (Industrials)
Equity, Since 31 Dec 20 | CUMMINSIND4% ₹314 Cr 2,272,298
↑ 250,000 HDFC Bank Ltd (Financial Services)
Equity, Since 28 Feb 22 | HDFCBANK4% ₹294 Cr 1,808,204 Bata India Ltd (Consumer Cyclical)
Equity, Since 31 Aug 22 | BATAINDIA4% ₹277 Cr 1,679,700
↑ 250,000 The Federal Bank Ltd (Financial Services)
Equity, Since 30 Jun 20 | FEDERALBNK4% ₹277 Cr 19,906,857
↑ 4,000,000 Kajaria Ceramics Ltd (Industrials)
Equity, Since 31 Oct 21 | KAJARIACER4% ₹270 Cr 2,326,766
↑ 50,000 Timken India Ltd (Industrials)
Equity, Since 30 Sep 21 | TIMKEN4% ₹267 Cr 860,000
↓ -45,274 SKF India Ltd (Industrials)
Equity, Since 28 Feb 21 | SKFINDIA3% ₹241 Cr 536,509
↑ 110,000 Varun Beverages Ltd (Consumer Defensive)
Equity, Since 30 Jun 21 | VBL3% ₹236 Cr 1,781,539
↑ 152,500 Aditya Birla Fashion and Retail Ltd (Consumer Cyclical)
Equity, Since 31 Aug 22 | ABFRL3% ₹235 Cr 8,164,900
↑ 1,596,000 Jubilant Foodworks Ltd (Consumer Cyclical)
Equity, Since 31 Jul 22 | JUBLFOOD3% ₹225 Cr 4,398,000
↑ 450,000 4. SBI Contra Fund
CAGR/Annualized
return of 15.9% since its launch. Ranked 48 in Contra
category. Return for 2022 was 12.8% , 2021 was 49.9% and 2020 was 30.6% . SBI Contra Fund
Growth Launch Date 6 May 05 NAV (03 Feb 23) ₹225.037 ↑ 1.58 (0.71 %) Net Assets (Cr) ₹7,635 on 31 Dec 22 Category Equity - Contra AMC SBI Funds Management Private Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 2.19 Sharpe Ratio 0.58 Information Ratio 1.92 Alpha Ratio 7.29 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 18 ₹10,000 31 Jan 19 ₹8,329 31 Jan 20 ₹8,543 31 Jan 21 ₹11,228 31 Jan 22 ₹16,405 31 Jan 23 ₹18,199 Returns for SBI Contra Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 3 Feb 23 Duration Returns 1 Month -2.5% 3 Month -1.1% 6 Month 6.2% 1 Year 8.7% 3 Year 29.8% 5 Year 13.5% 10 Year 15 Year Since launch 15.9% Historical performance (Yearly) on absolute basis
Year Returns 2022 12.8% 2021 49.9% 2020 30.6% 2019 -1% 2018 -14.3% 2017 40.2% 2016 2.4% 2015 -0.1% 2014 47.7% 2013 -1.7% Fund Manager information for SBI Contra Fund
Name Since Tenure Dinesh Balachandran 7 May 18 4.66 Yr. Mohit Jain 5 May 18 4.66 Yr. Data below for SBI Contra Fund as on 31 Dec 22
Equity Sector Allocation
Sector Value Financial Services 22.48% Industrials 11.42% Utility 9.83% Basic Materials 9.74% Health Care 5.09% Consumer Defensive 5.02% Technology 4.86% Consumer Cyclical 4.65% Energy 4.19% Communication Services 2.52% Real Estate 1.66% Asset Allocation
Asset Class Value Cash 18.23% Equity 81.77% Top Securities Holdings / Portfolio
Name Holding Value Quantity GAIL (India) Ltd (Utilities)
Equity, Since 28 Feb 21 | GAIL3% ₹261 Cr 27,211,295
↑ 6,019,993 ICICI Bank Ltd (Financial Services)
Equity, Since 28 Feb 17 | ICICIBANK3% ₹235 Cr 2,640,345 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 16 | HDFCBANK3% ₹235 Cr 1,443,872 Axis Bank Ltd (Financial Services)
Equity, Since 31 May 19 | AXISBANK3% ₹234 Cr 2,504,255 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Dec 22 | POWERGRID2% ₹180 Cr 8,400,000
↑ 8,400,000 Tech Mahindra Ltd (Technology)
Equity, Since 31 Mar 22 | TECHM2% ₹176 Cr 1,736,104
↑ 650,000 Mahindra & Mahindra Financial Services Ltd (Financial Services)
Equity, Since 31 May 22 | M&MFIN2% ₹173 Cr 7,366,713
↑ 1,700,000 Infosys Ltd (Technology)
Equity, Since 28 Feb 19 | INFY2% ₹171 Cr 1,131,470
↓ -223,530 Equitas Holding Ltd (Financial Services)
Equity, Since 31 Jan 21 | EQUITAS2% ₹163 Cr 12,980,756 State Bank of India (Financial Services)
Equity, Since 31 Dec 10 | SBIN2% ₹159 Cr 2,594,269 5. SBI Technology Opportunities Fund
CAGR/Annualized
return of 20.4% since its launch. Ranked 42 in Sectoral
category. Return for 2022 was -15.5% , 2021 was 66.4% and 2020 was 47.3% . SBI Technology Opportunities Fund
Growth Launch Date 9 Jan 13 NAV (03 Feb 23) ₹148.789 ↑ 1.49 (1.01 %) Net Assets (Cr) ₹2,741 on 31 Dec 22 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating ☆ Risk High Expense Ratio 2.26 Sharpe Ratio -0.93 Information Ratio 0.78 Alpha Ratio 1.46 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-15 Days (0.5%),15 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jan 18 ₹10,000 31 Jan 19 ₹11,309 31 Jan 20 ₹12,287 31 Jan 21 ₹17,793 31 Jan 22 ₹26,341 31 Jan 23 ₹25,546 Returns for SBI Technology Opportunities Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 3 Feb 23 Duration Returns 1 Month 6.3% 3 Month 9% 6 Month 9.1% 1 Year -2.1% 3 Year 29.1% 5 Year 21.6% 10 Year 15 Year Since launch 20.4% Historical performance (Yearly) on absolute basis
Year Returns 2022 -15.5% 2021 66.4% 2020 47.3% 2019 12.2% 2018 17.1% 2017 13% 2016 -3.3% 2015 2.4% 2014 29.2% 2013 Fund Manager information for SBI Technology Opportunities Fund
Name Since Tenure Saurabh Pant 1 Jan 22 1 Yr. Mohit Jain 1 Jan 22 1 Yr. Data below for SBI Technology Opportunities Fund as on 31 Dec 22
Equity Sector Allocation
Sector Value Technology 71.44% Communication Services 18.14% Consumer Cyclical 0.39% Health Care 0.21% Consumer Defensive 0.18% Industrials 0.13% Utility 0.04% Financial Services 0.02% Energy 0.01% Real Estate 0.01% Asset Allocation
Asset Class Value Cash 9.43% Equity 90.57% Top Securities Holdings / Portfolio
Name Holding Value Quantity Infosys Ltd (Technology)
Equity, Since 31 Jan 03 | INFY29% ₹784 Cr 5,200,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Apr 06 | TCS13% ₹358 Cr 1,100,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 18 | BHARTIARTL10% ₹282 Cr 3,500,000
↑ 200,000 HCL Technologies Ltd (Technology)
Equity, Since 31 Mar 06 | HCLTECH6% ₹177 Cr 1,700,000 Microsoft Corp (Technology)
Equity, Since 31 Aug 20 | MSF5% ₹130 Cr 65,000 Wipro Ltd (Technology)
Equity, Since 30 Apr 21 | WIPRO4% ₹121 Cr 3,080,000 Netflix Inc (Communication Services)
Equity, Since 31 Aug 21 | NFC4% ₹113 Cr 47,000
↓ -31,955 NVIDIA Corp (Technology)
Equity, Since 30 Apr 21 | NVDA4% ₹100 Cr 83,000
↓ -74,000 Tech Mahindra Ltd (Technology)
Equity, Since 31 May 22 | TECHM3% ₹84 Cr 830,000 Persistent Systems Ltd (Technology)
Equity, Since 31 Jul 22 | PERSISTENT3% ₹77 Cr 200,000
↑ 107,822