சிறந்த 10 சிறப்பாகச் செயல்படும் துறைசார் பரஸ்பர நிதிகள் 2022

Updated on May 10, 2026 , 127933 views

உலகில்முதலீடு, 'அதிக ஆபத்துள்ள அதிக வருவாய்' முதலீடுகளை உறுதியாக நம்பும் முதலீட்டாளர்கள் உள்ளனர். மேலும் இது போன்ற அதிக ரிஸ்க் எடுப்பவர்களுக்கு,பரஸ்பர நிதி ஏதாவது நிறுத்தி வைத்திருங்கள் - துறை நிதிகள்! செக்டர் மியூச்சுவல் ஃபண்டுகள் ஒரு குறிப்பிட்ட துறையில் தங்கள் முதலீட்டு நோக்கத்தால் வரையறுக்கப்பட்டபடி முதலீடு செய்கின்றன. இன்ஃப்ரா, பார்மா, வங்கி போன்ற சில துறைகள் தொடர்ந்து வளர்ச்சியடைந்து, எதிர்காலத்திற்கான நேர்மறையான கண்ணோட்டத்தைக் கொண்டுள்ளன. இத்தகைய மியூச்சுவல் ஃபண்டுகள் உங்கள் பணத்தை இரட்டிப்பாக்கலாம் அல்லது தொந்தரவு செய்யலாம் என்றாலும், முதலீட்டாளர்கள் அதிக-ஆபத்து பசியின்மை துறை நிதிகளில் முதலீடு செய்யலாம். இந்த கட்டுரையில், 2022 இல் முதலீடு செய்ய சிறந்த துறை பரஸ்பர நிதிகளுடன், துறை நிதிகள் பற்றிய சில விரிவான நுண்ணறிவுகளைப் பெறுவீர்கள்.

செக்டார் மியூச்சுவல் ஃபண்டுகளில் ஏன் முதலீடு செய்ய வேண்டும்?

செக்டார் ஃபண்ட் என்பது குறிப்பிட்ட துறைகளின் பத்திரங்களில் முதலீடு செய்யும் ஒரு வகையான மியூச்சுவல் ஃபண்ட் ஆகும்பொருளாதாரம், வங்கி, தொலைத்தொடர்பு, FMCG, மருந்து, தகவல் தொழில்நுட்பம் (IT) மற்றும் உள்கட்டமைப்பு போன்றவை. வேறு வார்த்தைகளில் கூறுவதானால், துறை நிதிகள் நீங்கள் முதலீடு செய்த செல்வத்தை குறிப்பிட்ட தொழில் அல்லது துறைக்கு மட்டுமே குறைக்கின்றன. உதாரணமாக, ஒரு வங்கித் துறை நிதி வங்கிகளில் முதலீடு செய்யலாம் மற்றும் ஒரு பார்மா ஃபண்ட் மருந்து நிறுவனங்களின் பங்குகளில் மட்டுமே முதலீடு செய்ய முடியும். இந்த ஃபண்டுகளின் ஃபண்ட் மேலாளர்கள் பணத்தை சிறப்பாகச் செயல்படும் நிறுவனங்களின் பங்குகளில் முதலீடு செய்கிறார்கள்சந்தை. இத்தகைய முதலீட்டின் ஒட்டுமொத்த நோக்கம், எதிர்காலத்தில் அதிக வளர்ச்சி சாத்தியமுள்ள துறைகளில் முதலீடு செய்வதாகும்.

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முதலீட்டின் நேரம் துல்லியமாக இருந்தால், இந்த நிதி உண்மையில் பெரும் லாபத்தை ஈட்ட முடியும். நிதியில் எப்போது நுழைந்து வெளியேற வேண்டும் என்பதை ஒருவர் அறிந்திருக்க வேண்டும். முதலீட்டாளர்கள் சந்தையில் நம்பிக்கையுடன் இருக்கும் அல்லது எதிர்காலத்தில் வளர்ச்சியைக் காணும் பகுதிகளில் முதலீடு செய்ய வேண்டும். முக்கிய யோசனை ஒரு குறிப்பிட்ட தொழில் மற்றும் துறையின் வளர்ச்சியைத் தட்டுகிறது. துறை நிதிகளின் மற்ற நன்மை என்னவென்றால், தனிப்பட்ட நிறுவன-குறிப்பிட்ட அபாயத்திலிருந்து உங்களைப் பாதுகாக்கும் திறன் ஆகும். தனிப்பட்ட பங்குகளை வாங்குவதற்குப் பதிலாக, துறை நிதிகளில் முதலீடு செய்வது ஒரு நிறுவனத்தின் மோசமான செயல்திறன் உங்கள் போர்ட்ஃபோலியோவை பாதிக்காது என்பதை உறுதி செய்யும்.

ஆனால், நீங்கள் ஒரு செக்டார் மியூச்சுவல் ஃபண்டில் முதலீடு செய்வதற்கு முன், அந்தத் துறை எதிர்காலத்தில் சிறப்பாகச் செயல்படும் என்று நீங்கள் ஏன் நம்புகிறீர்கள் என்பதில் நீங்கள் நம்பிக்கையுடன் இருக்க வேண்டும்.

FY 22 - 23 இல் முதலீடு செய்ய சிறந்த மற்றும் சிறந்த துறை பரஸ்பர நிதிகள்

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
DSP Natural Resources and New Energy Fund Growth	₹110.122 ↓ -0.93	₹2,044	1.3	12.6	32.7	23.4	16.4	17.5
Bandhan Infrastructure Fund Growth	₹47.602 ↓ -1.10	₹1,278	-1.2	-4.2	-0.8	20.8	20.2	-6.9
Aditya Birla Sun Life Banking And Financial Services Fund Growth	₹59.69 ↓ -1.44	₹3,155	-8.5	-5.6	0.7	12.5	12.3	17.5
Franklin Build India Fund Growth	₹143.754 ↓ -2.19	₹2,858	-3.3	-0.9	6	24.3	22.8	3.7
Sundaram Rural and Consumption Fund Growth	₹87.4283 ↓ -1.93	₹1,294	-7.8	-13	-8.8	11.3	12.6	-0.1
Kotak Infrastructure & Economic Reform Fund Growth	₹65.295 ↓ -1.65	₹2,055	-1.3	-1.9	7.6	17.7	21.4	-3.7
SBI Magnum COMMA Fund Growth	₹115.698 ↓ -1.05	₹939	0.8	7	15.5	20.8	12.8	12.3
SBI Consumption Opportunities Fund Growth	₹280.987 ↓ -5.75	₹2,644	-5.7	-9.4	-8.8	9.4	14.5	-6.3
Mirae Asset Great Consumer Fund Growth	₹85.877 ↓ -1.64	₹4,018	-7.1	-10.8	-4.2	11.6	13.8	3.4
Nippon India Power and Infra Fund Growth	₹372.075 ↓ -9.47	₹6,534	5.5	4.9	12.4	25.6	24.3	-0.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 11 May 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	DSP Natural Resources and New Energy Fund	Bandhan Infrastructure Fund	Aditya Birla Sun Life Banking And Financial Services Fund	Franklin Build India Fund	Sundaram Rural and Consumption Fund	Kotak Infrastructure & Economic Reform Fund	SBI Magnum COMMA Fund	SBI Consumption Opportunities Fund	Mirae Asset Great Consumer Fund	Nippon India Power and Infra Fund
Point 1	Lower mid AUM (₹2,044 Cr).	Bottom quartile AUM (₹1,278 Cr).	Upper mid AUM (₹3,155 Cr).	Upper mid AUM (₹2,858 Cr).	Bottom quartile AUM (₹1,294 Cr).	Lower mid AUM (₹2,055 Cr).	Bottom quartile AUM (₹939 Cr).	Upper mid AUM (₹2,644 Cr).	Top quartile AUM (₹4,018 Cr).	Highest AUM (₹6,534 Cr).
Point 2	Established history (18+ yrs).	Established history (15+ yrs).	Established history (12+ yrs).	Established history (16+ yrs).	Established history (20+ yrs).	Established history (18+ yrs).	Established history (20+ yrs).	Established history (13+ yrs).	Established history (15+ yrs).	Oldest track record among peers (22 yrs).
Point 3	Top rated.	Rating: 5★ (top quartile).	Rating: 5★ (upper mid).	Rating: 5★ (upper mid).	Rating: 5★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 16.40% (upper mid).	5Y return: 20.18% (upper mid).	5Y return: 12.30% (bottom quartile).	5Y return: 22.79% (top quartile).	5Y return: 12.59% (bottom quartile).	5Y return: 21.37% (upper mid).	5Y return: 12.77% (bottom quartile).	5Y return: 14.51% (lower mid).	5Y return: 13.83% (lower mid).	5Y return: 24.29% (top quartile).
Point 6	3Y return: 23.37% (upper mid).	3Y return: 20.84% (upper mid).	3Y return: 12.48% (lower mid).	3Y return: 24.30% (top quartile).	3Y return: 11.33% (bottom quartile).	3Y return: 17.69% (lower mid).	3Y return: 20.85% (upper mid).	3Y return: 9.43% (bottom quartile).	3Y return: 11.64% (bottom quartile).	3Y return: 25.64% (top quartile).
Point 7	1Y return: 32.70% (top quartile).	1Y return: -0.78% (lower mid).	1Y return: 0.66% (lower mid).	1Y return: 6.02% (upper mid).	1Y return: -8.80% (bottom quartile).	1Y return: 7.58% (upper mid).	1Y return: 15.52% (top quartile).	1Y return: -8.80% (bottom quartile).	1Y return: -4.22% (bottom quartile).	1Y return: 12.37% (upper mid).
Point 8	Alpha: 0.00 (upper mid).	Alpha: 0.00 (upper mid).	Alpha: 3.17 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: -6.23 (bottom quartile).	Alpha: -1.06 (lower mid).	Alpha: 2.28 (top quartile).	Alpha: -9.93 (bottom quartile).	Alpha: -2.01 (bottom quartile).	Alpha: -0.88 (lower mid).
Point 9	Sharpe: 1.19 (top quartile).	Sharpe: -0.79 (bottom quartile).	Sharpe: -0.31 (lower mid).	Sharpe: -0.11 (upper mid).	Sharpe: -0.85 (bottom quartile).	Sharpe: -0.18 (upper mid).	Sharpe: 0.42 (top quartile).	Sharpe: -1.16 (bottom quartile).	Sharpe: -0.58 (lower mid).	Sharpe: -0.19 (upper mid).
Point 10	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.37 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: -0.59 (bottom quartile).	Information ratio: -0.44 (lower mid).	Information ratio: -0.06 (lower mid).	Information ratio: -0.78 (bottom quartile).	Information ratio: -0.55 (bottom quartile).	Information ratio: 0.38 (top quartile).

DSP Natural Resources and New Energy Fund

Lower mid AUM (₹2,044 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 16.40% (upper mid).
3Y return: 23.37% (upper mid).
1Y return: 32.70% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 1.19 (top quartile).
Information ratio: 0.00 (upper mid).

Bandhan Infrastructure Fund

Bottom quartile AUM (₹1,278 Cr).
Established history (15+ yrs).
Rating: 5★ (top quartile).
Risk profile: High.
5Y return: 20.18% (upper mid).
3Y return: 20.84% (upper mid).
1Y return: -0.78% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.79 (bottom quartile).
Information ratio: 0.00 (upper mid).

Aditya Birla Sun Life Banking And Financial Services Fund

Upper mid AUM (₹3,155 Cr).
Established history (12+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 12.30% (bottom quartile).
3Y return: 12.48% (lower mid).
1Y return: 0.66% (lower mid).
Alpha: 3.17 (top quartile).
Sharpe: -0.31 (lower mid).
Information ratio: 0.37 (top quartile).

Franklin Build India Fund

Upper mid AUM (₹2,858 Cr).
Established history (16+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 22.79% (top quartile).
3Y return: 24.30% (top quartile).
1Y return: 6.02% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.11 (upper mid).
Information ratio: 0.00 (upper mid).

Sundaram Rural and Consumption Fund

Bottom quartile AUM (₹1,294 Cr).
Established history (20+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 12.59% (bottom quartile).
3Y return: 11.33% (bottom quartile).
1Y return: -8.80% (bottom quartile).
Alpha: -6.23 (bottom quartile).
Sharpe: -0.85 (bottom quartile).
Information ratio: -0.59 (bottom quartile).

Kotak Infrastructure & Economic Reform Fund

Lower mid AUM (₹2,055 Cr).
Established history (18+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 21.37% (upper mid).
3Y return: 17.69% (lower mid).
1Y return: 7.58% (upper mid).
Alpha: -1.06 (lower mid).
Sharpe: -0.18 (upper mid).
Information ratio: -0.44 (lower mid).

SBI Magnum COMMA Fund

Bottom quartile AUM (₹939 Cr).
Established history (20+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 12.77% (bottom quartile).
3Y return: 20.85% (upper mid).
1Y return: 15.52% (top quartile).
Alpha: 2.28 (top quartile).
Sharpe: 0.42 (top quartile).
Information ratio: -0.06 (lower mid).

SBI Consumption Opportunities Fund

Upper mid AUM (₹2,644 Cr).
Established history (13+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: High.
5Y return: 14.51% (lower mid).
3Y return: 9.43% (bottom quartile).
1Y return: -8.80% (bottom quartile).
Alpha: -9.93 (bottom quartile).
Sharpe: -1.16 (bottom quartile).
Information ratio: -0.78 (bottom quartile).

Mirae Asset Great Consumer Fund

Top quartile AUM (₹4,018 Cr).
Established history (15+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: High.
5Y return: 13.83% (lower mid).
3Y return: 11.64% (bottom quartile).
1Y return: -4.22% (bottom quartile).
Alpha: -2.01 (bottom quartile).
Sharpe: -0.58 (lower mid).
Information ratio: -0.55 (bottom quartile).

Nippon India Power and Infra Fund

Highest AUM (₹6,534 Cr).
Oldest track record among peers (22 yrs).
Rating: 4★ (bottom quartile).
Risk profile: High.
5Y return: 24.29% (top quartile).
3Y return: 25.64% (top quartile).
1Y return: 12.37% (upper mid).
Alpha: -0.88 (lower mid).
Sharpe: -0.19 (upper mid).
Information ratio: 0.38 (top quartile).

*AUM/Net Assets கொண்ட சிறந்த துறை சார்ந்த பரஸ்பர நிதிகளின் பட்டியல் >100 கோடி.

1. DSP Natural Resources and New Energy Fund

To seek to generate capital appreciation and provide long term growth opportunities by investing in equity and equity related securities of companies domiciled in India whose predominant economic activity is in the (a) discovery, development, production, or distribution of natural resources, viz., energy, mining etc; (b) alternative energy and energy technology sectors, with emphasis given to renewable energy, automotive and on-site power generation, energy storage and enabling energy technologies. also invest a certain portion of its corpus in the equity and equity related securities of companies domiciled overseas, which are principally engaged in the discovery, development, production or distribution of natural resources and alternative energy and/or the units shares of Merrill Lynch international Investment Funds New Energy Fund, Merrill Lynch International Investment Funds World Energy Fund and similar other overseas mutual fund schemes.

Research Highlights for DSP Natural Resources and New Energy Fund

Lower mid AUM (₹2,044 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 16.40% (upper mid).
3Y return: 23.37% (upper mid).
1Y return: 32.70% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 1.19 (top quartile).
Information ratio: 0.00 (upper mid).
Higher exposure to Energy vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~81%).
Largest holding BGF World Energy I2 (~11.9%).

Below is the key information for DSP Natural Resources and New Energy Fund

DSP Natural Resources and New Energy Fund Growth
Launch Date	25 Apr 08
NAV (11 May 26)	₹110.122 ↓ -0.93 (-0.83 %)
Net Assets (Cr)	₹2,044 on 31 Mar 26
Category	Equity - Sectoral
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.99
Sharpe Ratio	1.19
Information Ratio	0
Alpha Ratio	0
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
30 Apr 21	₹10,000
30 Apr 22	₹11,908
30 Apr 23	₹12,255
30 Apr 24	₹18,431
30 Apr 25	₹17,579
30 Apr 26	₹23,385

DSP Natural Resources and New Energy Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 Invest Now

Returns for DSP Natural Resources and New Energy Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 May 26

Duration	Returns
1 Month	2%
3 Month	1.3%
6 Month	12.6%
1 Year	32.7%
3 Year	23.4%
5 Year	16.4%
10 Year
15 Year
Since launch	14.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	17.5%
2024	13.9%
2023	31.2%
2022	9.8%
2021	42.8%
2020	11.5%
2019	4.4%
2018	-15.3%
2017	43.1%
2016	43.1%

Fund Manager information for DSP Natural Resources and New Energy Fund

Name	Since	Tenure
Rohit Singhania	1 Jul 12	13.84 Yr.

Data below for DSP Natural Resources and New Energy Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Energy	40.61%
Basic Materials	32.04%
Utility	5.84%
Industrials	1.43%
Technology	0.97%
Consumer Cyclical	0.12%

Asset Allocation

Asset Class	Value
Cash	18.99%
Equity	81.01%
Debt	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Energy I2 Investment Fund \| -	12%	₹244 Cr	602,478
Tata Steel Ltd (Basic Materials) Equity, Since 31 Aug 16 \| TATASTEEL	8%	₹169 Cr	8,808,711
Jindal Steel Ltd (Basic Materials) Equity, Since 31 Mar 20 \| 532286	8%	₹168 Cr	1,511,761
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 31 May 20 \| 500312	8%	₹168 Cr	5,905,732
Oil India Ltd (Energy) Equity, Since 29 Feb 24 \| OIL	5%	₹105 Cr	2,214,812 ↑ 413,000
Petronet LNG Ltd (Energy) Equity, Since 31 Jan 18 \| 532522	4%	₹86 Cr	3,461,007
BGF Sustainable Energy I2 Investment Fund \| -	4%	₹82 Cr	330,203
National Aluminium Co Ltd (Basic Materials) Equity, Since 28 Feb 22 \| 532234	4%	₹74 Cr	1,928,199
Coal India Ltd (Energy) Equity, Since 31 Mar 22 \| COALINDIA	3%	₹69 Cr	1,533,115
Indian Oil Corp Ltd (Energy) Equity, Since 31 May 25 \| IOC	3%	₹59 Cr	4,371,802

2. Bandhan Infrastructure Fund

The investment objective of the scheme is to seek to generate long-term capital growth through an active diversified portfolio of predominantly equity and equity related instruments of companies that are participating in and benefiting from growth in Indian infrastructure and infrastructural related activities. However, there can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for Bandhan Infrastructure Fund

Bottom quartile AUM (₹1,278 Cr).
Established history (15+ yrs).
Rating: 5★ (top quartile).
Risk profile: High.
5Y return: 20.18% (upper mid).
3Y return: 20.84% (upper mid).
1Y return: -0.78% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.79 (bottom quartile).
Information ratio: 0.00 (upper mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Larsen & Toubro Ltd (~6.2%).

Below is the key information for Bandhan Infrastructure Fund

Bandhan Infrastructure Fund Growth
Launch Date	8 Mar 11
NAV (12 May 26)	₹47.602 ↓ -1.10 (-2.25 %)
Net Assets (Cr)	₹1,278 on 31 Mar 26
Category	Equity - Sectoral
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	2.1
Sharpe Ratio	-0.79
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
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
30 Apr 21	₹10,000
30 Apr 22	₹12,854
30 Apr 23	₹14,217
30 Apr 24	₹25,465
30 Apr 25	₹25,446
30 Apr 26	₹26,520

Bandhan Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 Invest Now

Returns for Bandhan Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 May 26

Duration	Returns
1 Month	3.4%
3 Month	-1.2%
6 Month	-4.2%
1 Year	-0.8%
3 Year	20.8%
5 Year	20.2%
10 Year
15 Year
Since launch	10.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	-6.9%
2024	39.3%
2023	50.3%
2022	1.7%
2021	64.8%
2020	6.3%
2019	-5.3%
2018	-25.9%
2017	58.7%
2016	10.7%

Fund Manager information for Bandhan Infrastructure Fund

Name	Since	Tenure
Vishal Biraia	24 Jan 24	2.27 Yr.
Ritika Behera	7 Oct 23	2.57 Yr.
Gaurav Satra	7 Jun 24	1.9 Yr.

Data below for Bandhan Infrastructure Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Industrials	54.3%
Utility	15.23%
Basic Materials	9.05%
Energy	5.4%
Communication Services	4.79%
Technology	4.13%
Health Care	2.63%
Financial Services	2.33%
Real Estate	0.97%
Consumer Cyclical	0.21%

Asset Allocation

Asset Class	Value
Cash	0.96%
Equity	99.04%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 29 Feb 12 \| LT	6%	₹79 Cr	225,830 ↑ 9,147
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 24 \| RELIANCE	5%	₹69 Cr	513,178
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 19 \| BHARTIARTL	5%	₹61 Cr	343,670
Kirloskar Brothers Ltd (Industrials) Equity, Since 31 Dec 17 \| KIRLOSBROS	4%	₹55 Cr	410,546
Bharat Electronics Ltd (Industrials) Equity, Since 31 Oct 19 \| BEL	4%	₹55 Cr	1,362,488
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Mar 14 \| 532538	4%	₹52 Cr	48,772
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Aug 24 \| INDIGO	4%	₹49 Cr	125,492 ↑ 6,500
GPT Infraprojects Ltd (Industrials) Equity, Since 30 Nov 17 \| GPTINFRA	4%	₹46 Cr	4,733,244
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 Dec 23 \| ADANIPORTS	3%	₹39 Cr	296,403
NTPC Ltd (Utilities) Equity, Since 31 Jul 23 \| 532555	3%	₹33 Cr	902,609

3. Aditya Birla Sun Life Banking And Financial Services Fund

The primary investment objective of the Scheme is to generate long-term capital appreciation to unit holders from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes’ objectives will be achieved.

Research Highlights for Aditya Birla Sun Life Banking And Financial Services Fund

Upper mid AUM (₹3,155 Cr).
Established history (12+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 12.30% (bottom quartile).
3Y return: 12.48% (lower mid).
1Y return: 0.66% (lower mid).
Alpha: 3.17 (top quartile).
Sharpe: -0.31 (lower mid).
Information ratio: 0.37 (top quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding ICICI Bank Ltd (~13.3%).

Below is the key information for Aditya Birla Sun Life Banking And Financial Services Fund

Aditya Birla Sun Life Banking And Financial Services Fund Growth
Launch Date	14 Dec 13
NAV (12 May 26)	₹59.69 ↓ -1.44 (-2.36 %)
Net Assets (Cr)	₹3,155 on 31 Mar 26
Category	Equity - Sectoral
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.99
Sharpe Ratio	-0.32
Information Ratio	0.37
Alpha Ratio	3.17
Min Investment	1,000
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
30 Apr 21	₹10,000
30 Apr 22	₹10,994
30 Apr 23	₹12,322
30 Apr 24	₹16,046
30 Apr 25	₹17,678
30 Apr 26	₹18,383

Aditya Birla Sun Life Banking And Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684 Invest Now

Returns for Aditya Birla Sun Life Banking And Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 May 26

Duration	Returns
1 Month	-2.4%
3 Month	-8.5%
6 Month	-5.6%
1 Year	0.7%
3 Year	12.5%
5 Year	12.3%
10 Year
15 Year
Since launch	15.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	17.5%
2024	8.7%
2023	21.7%
2022	11.5%
2021	16.8%
2020	1.1%
2019	14.9%
2018	-2.4%
2017	47.6%
2016	15.7%

Fund Manager information for Aditya Birla Sun Life Banking And Financial Services Fund

Name	Since	Tenure
Dhaval Gala	26 Aug 15	10.69 Yr.

Data below for Aditya Birla Sun Life Banking And Financial Services Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Financial Services	97.29%
Technology	1.09%

Asset Allocation

Asset Class	Value
Cash	1.61%
Equity	98.39%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| ICICIBANK	13%	₹470 Cr	3,717,929
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| HDFCBANK	12%	₹417 Cr	5,408,496
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| 532215	8%	₹292 Cr	2,302,100
State Bank of India (Financial Services) Equity, Since 31 Oct 17 \| SBIN	6%	₹205 Cr	1,918,689
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Sep 16 \| 500034	6%	₹200 Cr	2,137,250
Shriram Finance Ltd (Financial Services) Equity, Since 30 Jun 23 \| SHRIRAMFIN	5%	₹177 Cr	1,886,669
AU Small Finance Bank Ltd (Financial Services) Equity, Since 30 Nov 23 \| 540611	4%	₹137 Cr	1,346,861
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 19 \| KOTAKBANK	4%	₹136 Cr	3,546,665
ICICI Lombard General Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 19 \| ICICIGI	3%	₹100 Cr	565,076
Bank of Maharashtra (Financial Services) Equity, Since 31 Dec 25 \| MAHABANK	3%	₹98 Cr	12,546,499

4. Franklin Build India Fund

The Scheme seeks to achieve capital appreciation by investing in companies engaged directly or indirectly in infrastructure related activities.

Research Highlights for Franklin Build India Fund

Upper mid AUM (₹2,858 Cr).
Established history (16+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 22.79% (top quartile).
3Y return: 24.30% (top quartile).
1Y return: 6.02% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.11 (upper mid).
Information ratio: 0.00 (upper mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding Larsen & Toubro Ltd (~7.4%).

Below is the key information for Franklin Build India Fund

Franklin Build India Fund Growth
Launch Date	4 Sep 09
NAV (12 May 26)	₹143.754 ↓ -2.19 (-1.50 %)
Net Assets (Cr)	₹2,858 on 31 Mar 26
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	2.01
Sharpe Ratio	-0.11
Information Ratio	0
Alpha Ratio	0
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
30 Apr 21	₹10,000
30 Apr 22	₹12,746
30 Apr 23	₹14,773
30 Apr 24	₹26,326
30 Apr 25	₹26,665
30 Apr 26	₹29,695

Franklin Build India Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 Invest Now

Returns for Franklin Build India Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 May 26

Duration	Returns
1 Month	0%
3 Month	-3.3%
6 Month	-0.9%
1 Year	6%
3 Year	24.3%
5 Year	22.8%
10 Year
15 Year
Since launch	17.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	3.7%
2024	27.8%
2023	51.1%
2022	11.2%
2021	45.9%
2020	5.4%
2019	6%
2018	-10.7%
2017	43.3%
2016	8.4%

Fund Manager information for Franklin Build India Fund

Name	Since	Tenure
Ajay Argal	18 Oct 21	4.54 Yr.
Kiran Sebastian	7 Feb 22	4.23 Yr.
Sandeep Manam	18 Oct 21	4.54 Yr.

Data below for Franklin Build India Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Industrials	31.88%
Utility	16.03%
Financial Services	14.02%
Energy	13.73%
Communication Services	7.21%
Basic Materials	7.11%
Real Estate	2.27%
Consumer Cyclical	1.15%
Technology	1.04%

Asset Allocation

Asset Class	Value
Cash	5.57%
Equity	94.43%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 29 Feb 20 \| LT	7%	₹210 Cr	600,000 ↓ -65,000
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 30 Jun 19 \| 500312	7%	₹194 Cr	6,825,000
Reliance Industries Ltd (Energy) Equity, Since 31 Oct 21 \| RELIANCE	6%	₹169 Cr	1,260,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 29 Feb 20 \| INDIGO	6%	₹166 Cr	420,000
NTPC Ltd (Utilities) Equity, Since 30 Nov 16 \| 532555	6%	₹163 Cr	4,400,000 ↑ 421,273
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 09 \| BHARTIARTL	4%	₹127 Cr	710,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 28 Feb 21 \| 532898	4%	₹121 Cr	4,100,000 ↑ 500,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 25 \| HDFCBANK	4%	₹119 Cr	1,625,000 ↑ 125,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 12 \| 532215	4%	₹116 Cr	1,000,000
Tata Power Co Ltd (Utilities) Equity, Since 31 Jan 25 \| 500400	3%	₹83 Cr	2,200,000 ↑ 200,000

5. Sundaram Rural and Consumption Fund

(Erstwhile Sundaram Rural India Fund)

The primary investment objective of the scheme is to generate consistent long-term returns by investing predominantly in equity & equity related instruments of companies that are focusing on Rural India.

Research Highlights for Sundaram Rural and Consumption Fund

Bottom quartile AUM (₹1,294 Cr).
Established history (20+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 12.59% (bottom quartile).
3Y return: 11.33% (bottom quartile).
1Y return: -8.80% (bottom quartile).
Alpha: -6.23 (bottom quartile).
Sharpe: -0.85 (bottom quartile).
Information ratio: -0.59 (bottom quartile).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding Bharti Airtel Ltd (~10.1%).

Below is the key information for Sundaram Rural and Consumption Fund

Sundaram Rural and Consumption Fund Growth
Launch Date	12 May 06
NAV (12 May 26)	₹87.4283 ↓ -1.93 (-2.16 %)
Net Assets (Cr)	₹1,294 on 31 Mar 26
Category	Equity - Sectoral
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	2.18
Sharpe Ratio	-0.85
Information Ratio	-0.59
Alpha Ratio	-6.23
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹11,748
30 Apr 23	₹12,725
30 Apr 24	₹17,284
30 Apr 25	₹19,430
30 Apr 26	₹18,519

Sundaram Rural and Consumption Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684 Invest Now

Returns for Sundaram Rural and Consumption Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 May 26

Duration	Returns
1 Month	-0.5%
3 Month	-7.8%
6 Month	-13%
1 Year	-8.8%
3 Year	11.3%
5 Year	12.6%
10 Year
15 Year
Since launch	11.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	-0.1%
2024	20.1%
2023	30.2%
2022	9.3%
2021	19.3%
2020	13.5%
2019	2.7%
2018	-7.8%
2017	38.7%
2016	21.1%

Fund Manager information for Sundaram Rural and Consumption Fund

Name	Since	Tenure
Rohit Seksaria	27 Feb 26	0.17 Yr.
Shalav Saket	31 Dec 25	0.33 Yr.
Anuj Bansal	27 Feb 26	0.17 Yr.

Data below for Sundaram Rural and Consumption Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Consumer Cyclical	45.64%
Consumer Defensive	24.87%
Communication Services	11.76%
Health Care	4.92%
Financial Services	2.93%
Industrials	1.92%
Real Estate	1.76%
Basic Materials	1.61%

Asset Allocation

Asset Class	Value
Cash	4.59%
Equity	95.41%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 22 \| BHARTIARTL	10%	₹131 Cr	735,559
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Apr 22 \| M&M	9%	₹119 Cr	402,064
ITC Ltd (Consumer Defensive) Equity, Since 31 Jul 13 \| ITC	8%	₹107 Cr	3,733,186 ↑ 548,170
Titan Co Ltd (Consumer Cyclical) Equity, Since 29 Feb 20 \| TITAN	6%	₹84 Cr	212,692
Eternal Ltd (Consumer Cyclical) Equity, Since 31 May 24 \| 543320	6%	₹74 Cr	3,240,850 ↑ 348,014
Hindustan Unilever Ltd (Consumer Defensive) Equity, Since 30 Apr 16 \| HINDUNILVR	5%	₹65 Cr	317,789 ↓ -129,035
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 31 Jul 22 \| APOLLOHOSP	5%	₹64 Cr	85,724
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Jul 12 \| MARUTI	4%	₹52 Cr	42,610
Nestle India Ltd (Consumer Defensive) Equity, Since 30 Jun 16 \| NESTLEIND	4%	₹51 Cr	431,406
SJS Enterprises Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| 543387	3%	₹44 Cr	282,069

6. Kotak Infrastructure & Economic Reform Fund

The investment objective of the Scheme is to generate long-term capital appreciation from a diversified portfolio of predominantly (at least 65%) equity and equity-related securities of companies involved in economic development of India as a result of potential investments in infrastructure and unfolding economic reforms.

Research Highlights for Kotak Infrastructure & Economic Reform Fund

Lower mid AUM (₹2,055 Cr).
Established history (18+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 21.37% (upper mid).
3Y return: 17.69% (lower mid).
1Y return: 7.58% (upper mid).
Alpha: -1.06 (lower mid).
Sharpe: -0.18 (upper mid).
Information ratio: -0.44 (lower mid).
Higher exposure to Industrials vs peer median.
Equity-heavy allocation (~100%).
Largest holding Larsen & Toubro Ltd (~10.4%).

Below is the key information for Kotak Infrastructure & Economic Reform Fund

Kotak Infrastructure & Economic Reform Fund Growth
Launch Date	25 Feb 08
NAV (12 May 26)	₹65.295 ↓ -1.65 (-2.46 %)
Net Assets (Cr)	₹2,055 on 31 Mar 26
Category	Equity - Sectoral
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	High
Expense Ratio	2.01
Sharpe Ratio	-0.18
Information Ratio	-0.44
Alpha Ratio	-1.06
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
30 Apr 21	₹10,000
30 Apr 22	₹13,293
30 Apr 23	₹15,986
30 Apr 24	₹25,079
30 Apr 25	₹24,122
30 Apr 26	₹27,401

Kotak Infrastructure & Economic Reform Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033 Invest Now

Returns for Kotak Infrastructure & Economic Reform Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 May 26

Duration	Returns
1 Month	0.8%
3 Month	-1.3%
6 Month	-1.9%
1 Year	7.6%
3 Year	17.7%
5 Year	21.4%
10 Year
15 Year
Since launch	10.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	-3.7%
2024	32.4%
2023	37.3%
2022	15.6%
2021	57.3%
2020	3.4%
2019	3.6%
2018	-19.6%
2017	45.3%
2016	9.2%

Fund Manager information for Kotak Infrastructure & Economic Reform Fund

Name	Since	Tenure
Nalin Bhatt	1 Oct 23	2.58 Yr.

Data below for Kotak Infrastructure & Economic Reform Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Industrials	47.94%
Basic Materials	12.38%
Communication Services	11.13%
Consumer Cyclical	10.76%
Energy	7.19%
Financial Services	3.24%
Technology	2.55%
Utility	2.07%
Real Estate	1.76%
Health Care	1.14%

Asset Allocation

Asset Class	Value
Equity	100.16%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 28 Feb 15 \| LT	10%	₹213 Cr	607,000 ↓ -5,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 20 \| BHARTIARTL	7%	₹135 Cr	755,000
Reliance Industries Ltd (Energy) Equity, Since 31 Mar 25 \| RELIANCE	5%	₹106 Cr	790,000 ↓ -2,000
Indus Towers Ltd Ordinary Shares (Communication Services) Equity, Since 31 Jul 25 \| 534816	5%	₹94 Cr	2,250,000
Kalpataru Projects International Ltd (Industrials) Equity, Since 31 Aug 17 \| KPIL	3%	₹67 Cr	630,000
Cummins India Ltd (Industrials) Equity, Since 30 Sep 12 \| 500480	3%	₹66 Cr	145,800
Solar Industries India Ltd (Basic Materials) Equity, Since 31 Oct 15 \| SOLARINDS	3%	₹65 Cr	54,000
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Mar 15 \| 532538	3%	₹64 Cr	60,000
Shree Cement Ltd (Basic Materials) Equity, Since 31 Dec 11 \| 500387	3%	₹62 Cr	27,000
VST Tillers Tractors Ltd (Industrials) Equity, Since 30 Apr 24 \| VSTTILLERS	3%	₹62 Cr	129,000 ↓ -1,659

7. SBI Magnum COMMA Fund

To generate opportunities for growth along with possibility of consistent returns by investing predominantly in a portfolio of stocks of companies engaged in the commodity business within the following sectors - Oil & Gas, Metals, Materials & Agriculture and in debt & money market instruments.

Research Highlights for SBI Magnum COMMA Fund

Bottom quartile AUM (₹939 Cr).
Established history (20+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 12.77% (bottom quartile).
3Y return: 20.85% (upper mid).
1Y return: 15.52% (top quartile).
Alpha: 2.28 (top quartile).
Sharpe: 0.42 (top quartile).
Information ratio: -0.06 (lower mid).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding Tata Steel Ltd (~8.7%).

Below is the key information for SBI Magnum COMMA Fund

SBI Magnum COMMA Fund Growth
Launch Date	8 Aug 05
NAV (12 May 26)	₹115.698 ↓ -1.05 (-0.90 %)
Net Assets (Cr)	₹939 on 31 Mar 26
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	High
Expense Ratio	2.58
Sharpe Ratio	0.42
Information Ratio	-0.06
Alpha Ratio	2.28
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
30 Apr 21	₹10,000
30 Apr 22	₹12,001
30 Apr 23	₹10,978
30 Apr 24	₹16,343
30 Apr 25	₹16,180
30 Apr 26	₹19,720

SBI Magnum COMMA Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684 Invest Now

Returns for SBI Magnum COMMA Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 May 26

Duration	Returns
1 Month	2.9%
3 Month	0.8%
6 Month	7%
1 Year	15.5%
3 Year	20.8%
5 Year	12.8%
10 Year
15 Year
Since launch	12.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	12.3%
2024	10.5%
2023	32.3%
2022	-6.6%
2021	52%
2020	23.9%
2019	11.8%
2018	-18.7%
2017	39.2%
2016	32.3%

Fund Manager information for SBI Magnum COMMA Fund

Name	Since	Tenure
Dinesh Balachandran	1 Jun 24	1.92 Yr.

Data below for SBI Magnum COMMA Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Basic Materials	46.58%
Energy	24.26%
Utility	14.57%
Consumer Defensive	3.88%
Consumer Cyclical	2.74%
Financial Services	2.02%

Asset Allocation

Asset Class	Value
Cash	5.67%
Equity	94.02%
Debt	0.31%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tata Steel Ltd (Basic Materials) Equity, Since 30 Apr 11 \| TATASTEEL	9%	₹82 Cr	4,276,000
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 31 May 20 \| 500312	8%	₹72 Cr	2,530,000
Reliance Industries Ltd (Energy) Equity, Since 28 Feb 07 \| RELIANCE	5%	₹49 Cr	362,732
CESC Ltd (Utilities) Equity, Since 30 Sep 24 \| CESC	5%	₹48 Cr	3,170,000 ↑ 1,100,000
Oil India Ltd (Energy) Equity, Since 29 Feb 24 \| OIL	4%	₹37 Cr	785,000
UltraTech Cement Ltd (Basic Materials) Equity, Since 30 Jun 18 \| 532538	4%	₹37 Cr	34,000
Steel Authority Of India Ltd (Basic Materials) Equity, Since 29 Feb 24 \| SAIL	4%	₹36 Cr	2,350,000
JSW Steel Ltd (Basic Materials) Equity, Since 31 May 24 \| JSWSTEEL	4%	₹34 Cr	300,000
NMDC Ltd (Basic Materials) Equity, Since 30 Sep 24 \| 526371	3%	₹31 Cr	4,127,919
Coal India Ltd (Energy) Equity, Since 31 Mar 22 \| COALINDIA	3%	₹29 Cr	650,000

8. SBI Consumption Opportunities Fund

(Erstwhile SBI FMCG Fund)

To provide the investors maximum growth opportunity through equity investments in stocks of growth oriented sectors of the economy.

Research Highlights for SBI Consumption Opportunities Fund

Upper mid AUM (₹2,644 Cr).
Established history (13+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: High.
5Y return: 14.51% (lower mid).
3Y return: 9.43% (bottom quartile).
1Y return: -8.80% (bottom quartile).
Alpha: -9.93 (bottom quartile).
Sharpe: -1.16 (bottom quartile).
Information ratio: -0.78 (bottom quartile).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
High-quality debt (AAA/AA ~100%).
Largest holding Hindustan Unilever Ltd (~5.5%).

Below is the key information for SBI Consumption Opportunities Fund

SBI Consumption Opportunities Fund Growth
Launch Date	2 Jan 13
NAV (12 May 26)	₹280.987 ↓ -5.75 (-2.01 %)
Net Assets (Cr)	₹2,644 on 31 Mar 26
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	High
Expense Ratio	2
Sharpe Ratio	-1.16
Information Ratio	-0.78
Alpha Ratio	-9.93
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
30 Apr 21	₹10,000
30 Apr 22	₹13,578
30 Apr 23	₹14,930
30 Apr 24	₹20,304
30 Apr 25	₹21,505
30 Apr 26	₹20,550

SBI Consumption Opportunities Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for SBI Consumption Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 May 26

Duration	Returns
1 Month	-0.4%
3 Month	-5.7%
6 Month	-9.4%
1 Year	-8.8%
3 Year	9.4%
5 Year	14.5%
10 Year
15 Year
Since launch	13.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	-6.3%
2024	22.8%
2023	29.9%
2022	13.9%
2021	35.6%
2020	13.9%
2019	0.1%
2018	-2%
2017	53.1%
2016	2.4%

Fund Manager information for SBI Consumption Opportunities Fund

Name	Since	Tenure
Pradeep Kesavan	1 Apr 24	2.08 Yr.
Ashit Desai	1 Apr 24	2.08 Yr.

Data below for SBI Consumption Opportunities Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Consumer Cyclical	47.82%
Consumer Defensive	30.49%
Basic Materials	9.49%
Industrials	5.92%
Communication Services	3.54%
Technology	1.09%

Asset Allocation

Asset Class	Value
Cash	1.55%
Equity	98.35%
Debt	0.1%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Hindustan Unilever Ltd (Consumer Defensive) Equity, Since 31 May 22 \| HINDUNILVR	5%	₹161 Cr	716,352 ↑ 239,220
Asian Paints Ltd (Basic Materials) Equity, Since 30 Jun 25 \| 500820	5%	₹142 Cr	579,000
Avenue Supermarts Ltd (Consumer Defensive) Equity, Since 31 Mar 24 \| 540376	5%	₹135 Cr	294,043 ↓ -5,957
Jubilant Foodworks Ltd (Consumer Cyclical) Equity, Since 30 Sep 23 \| JUBLFOOD	4%	₹126 Cr	2,640,600
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 Jul 21 \| M&M	4%	₹124 Cr	400,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Jan 20 \| MARUTI	4%	₹120 Cr	90,000 ↑ 15,000
Britannia Industries Ltd (Consumer Defensive) Equity, Since 30 Sep 20 \| 500825	4%	₹115 Cr	200,000
United Breweries Ltd (Consumer Defensive) Equity, Since 31 May 21 \| UBL	4%	₹114 Cr	780,000 ↑ 100,000
Titan Co Ltd (Consumer Cyclical) Equity, Since 30 Jun 24 \| TITAN	4%	₹113 Cr	257,567 ↑ 7,567
Berger Paints India Ltd (Basic Materials) Equity, Since 30 Jun 24 \| 509480	4%	₹111 Cr	2,350,172

9. Mirae Asset Great Consumer Fund

The investment objective of the scheme is to generate long term capital appreciation by investing in a portfolio of companies/funds that are likely to benefit either directly or indirectly from consumption led demand in India. The Scheme does not guarantee or assure any returns

Research Highlights for Mirae Asset Great Consumer Fund

Top quartile AUM (₹4,018 Cr).
Established history (15+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: High.
5Y return: 13.83% (lower mid).
3Y return: 11.64% (bottom quartile).
1Y return: -4.22% (bottom quartile).
Alpha: -2.01 (bottom quartile).
Sharpe: -0.58 (lower mid).
Information ratio: -0.55 (bottom quartile).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~100%).
Largest holding Eternal Ltd (~7.5%).

Below is the key information for Mirae Asset Great Consumer Fund

Mirae Asset Great Consumer Fund Growth
Launch Date	29 Mar 11
NAV (12 May 26)	₹85.877 ↓ -1.64 (-1.87 %)
Net Assets (Cr)	₹4,018 on 31 Mar 26
Category	Equity - Sectoral
AMC	Mirae Asset Global Inv (India) Pvt. Ltd
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.16
Sharpe Ratio	-0.58
Information Ratio	-0.55
Alpha Ratio	-2.01
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
30 Apr 21	₹10,000
30 Apr 22	₹12,158
30 Apr 23	₹13,373
30 Apr 24	₹18,479
30 Apr 25	₹19,740
30 Apr 26	₹19,728

Mirae Asset Great Consumer Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for Mirae Asset Great Consumer Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 May 26

Duration	Returns
1 Month	-0.7%
3 Month	-7.1%
6 Month	-10.8%
1 Year	-4.2%
3 Year	11.6%
5 Year	13.8%
10 Year
15 Year
Since launch	15.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	3.4%
2024	17.2%
2023	32.9%
2022	7.2%
2021	33%
2020	11.2%
2019	8.6%
2018	1.9%
2017	51%
2016	2%

Fund Manager information for Mirae Asset Great Consumer Fund

Name	Since	Tenure
Siddhant Chhabria	21 Jun 21	4.86 Yr.

Data below for Mirae Asset Great Consumer Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Consumer Cyclical	56.36%
Consumer Defensive	20.04%
Communication Services	6.65%
Basic Materials	6.28%
Industrials	4.11%
Health Care	3.38%
Technology	2.7%

Asset Allocation

Asset Class	Value
Cash	0.47%
Equity	99.53%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Eternal Ltd (Consumer Cyclical) Equity, Since 29 Feb 24 \| 543320	7%	₹301 Cr	13,143,385 ↑ 400,000
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 Oct 23 \| M&M	7%	₹277 Cr	938,648
Titan Co Ltd (Consumer Cyclical) Equity, Since 31 Dec 16 \| TITAN	7%	₹276 Cr	699,296
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 19 \| BHARTIARTL	7%	₹267 Cr	1,498,765 ↓ -22,500
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Mar 12 \| MARUTI	6%	₹256 Cr	207,923
ITC Ltd (Consumer Defensive) Equity, Since 29 Feb 12 \| ITC	5%	₹193 Cr	6,725,000
Britannia Industries Ltd (Consumer Defensive) Equity, Since 31 Aug 19 \| 500825	4%	₹168 Cr	310,250 ↓ -8,500
Eicher Motors Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| EICHERMOT	4%	₹162 Cr	245,696
Trent Ltd (Consumer Cyclical) Equity, Since 31 May 23 \| 500251	4%	₹158 Cr	478,446
Varun Beverages Ltd (Consumer Defensive) Equity, Since 31 Oct 24 \| VBL	3%	₹135 Cr	3,516,886

10. Nippon India Power and Infra Fund

(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.

Research Highlights for Nippon India Power and Infra Fund

Highest AUM (₹6,534 Cr).
Oldest track record among peers (22 yrs).
Rating: 4★ (bottom quartile).
Risk profile: High.
5Y return: 24.29% (top quartile).
3Y return: 25.64% (top quartile).
1Y return: 12.37% (upper mid).
Alpha: -0.88 (lower mid).
Sharpe: -0.19 (upper mid).
Information ratio: 0.38 (top quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Reliance Industries Ltd (~8.7%).

Below is the key information for Nippon India Power and Infra Fund

Nippon India Power and Infra Fund Growth
Launch Date	8 May 04
NAV (12 May 26)	₹372.075 ↓ -9.47 (-2.48 %)
Net Assets (Cr)	₹6,534 on 31 Mar 26
Category	Equity - Sectoral
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.85
Sharpe Ratio	-0.19
Information Ratio	0.38
Alpha Ratio	-0.88
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
30 Apr 21	₹10,000
30 Apr 22	₹12,756
30 Apr 23	₹15,368
30 Apr 24	₹27,201
30 Apr 25	₹27,073
30 Apr 26	₹31,533

Nippon India Power and Infra Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 Invest Now

Returns for Nippon India Power and Infra Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 May 26

Duration	Returns
1 Month	5.8%
3 Month	5.5%
6 Month	4.9%
1 Year	12.4%
3 Year	25.6%
5 Year	24.3%
10 Year
15 Year
Since launch	17.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	-0.5%
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%

Fund Manager information for Nippon India Power and Infra Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	7.94 Yr.
Rahul Modi	19 Aug 24	1.7 Yr.
Amber Singhania	11 Mar 26	0.14 Yr.

Data below for Nippon India Power and Infra Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Industrials	35.15%
Utility	22.71%
Consumer Cyclical	10.87%
Energy	10.01%
Basic Materials	6.11%
Technology	4.98%
Financial Services	3.58%
Health Care	2.11%
Communication Services	2.08%
Real Estate	1.65%

Asset Allocation

Asset Class	Value
Cash	0.74%
Equity	99.26%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 18 \| RELIANCE	9%	₹667 Cr	4,660,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 07 \| LT	7%	₹541 Cr	1,346,958 ↑ 182,621
NTPC Ltd (Utilities) Equity, Since 31 May 09 \| 532555	7%	₹525 Cr	13,154,060 ↓ -645,940
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	4%	₹288 Cr	26,191,079 ↑ 1,700,000
Tata Power Co Ltd (Utilities) Equity, Since 30 Apr 23 \| 500400	3%	₹265 Cr	5,950,789 ↓ -1,650,000
Bharat Heavy Electricals Ltd (Industrials) Equity, Since 30 Sep 24 \| 500103	3%	₹245 Cr	6,948,468 ↑ 100,000
CG Power & Industrial Solutions Ltd (Industrials) Equity, Since 30 Sep 24 \| 500093	2%	₹176 Cr	2,170,014 ↓ -550,000
Triveni Turbine Ltd (Industrials) Equity, Since 30 Jun 25 \| 533655	2%	₹176 Cr	3,073,288 ↑ 60,249
Power Finance Corp Ltd (Financial Services) Equity, Since 31 Oct 24 \| 532810	2%	₹175 Cr	3,900,000 ↑ 300,000
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Oct 19 \| 532538	2%	₹174 Cr	150,000

சிறந்த செக்டார் மியூச்சுவல் ஃபண்டுகளில் முதலீடு செய்யும் போது கருத்தில் கொள்ள வேண்டிய ஸ்மார்ட் டிப்ஸ்

துறை நிதிகளில் முதலீடு செய்வதற்கு முன் நீங்கள் தெரிந்து கொள்ள வேண்டிய சில விஷயங்கள் இங்கே:

1. மியூச்சுவல் ஃபண்ட் குறிக்கோள்

மியூச்சுவல் ஃபண்ட் திட்டத்தின் நோக்கத்தை ஒருவர் எப்போதும் சரியாகப் புரிந்து கொள்ள வேண்டும். எடுத்துக்காட்டாக, சில துறை பரஸ்பர நிதிகள் குறிப்பிட்ட துறையில் போர்ட்ஃபோலியோவில் 65 சதவீதம் வரை மட்டுமே முதலீடு செய்கின்றன. இது ஒரு துறையின் மீதான உங்கள் வெளிப்பாட்டை நீர்த்துப்போகச் செய்யலாம் மற்றும் நீங்கள் எதிர்பார்க்கும் விளைச்சலை வழங்காது.

2. சந்தையின் நேரத்தை நிர்ணயித்தல்

அவர்கள் சொல்வது போல், பங்குச் சந்தையில் செல்வத்தை வளர்க்க, "சந்தையின் நேரத்தை விட சந்தையில் நேரம் முக்கியமானது." ஆனால், பரஸ்பர நிதித் துறையில் பணம் சம்பாதிக்கும் போது, சந்தையை, குறிப்பாக, சிமென்ட் போன்ற சுழற்சித் துறைகளில், நேரத்தைச் செலவிடக் கற்றுக் கொள்ள வேண்டும்.வங்கி, எஃகு, முதலியன. உதாரணமாக, வட்டி விகிதங்கள் குறைவாக இருக்கும் போது அல்லது குறையும் என எதிர்பார்க்கப்படும் போது வங்கிப் பங்குகள் சிறப்பாகச் செயல்படும். மற்றும் அவர்கள்குறைவான செயல்திறன் வட்டி விகிதங்கள் உயரும் போது. எனவே, வங்கி நிதியில் நல்ல வருமானத்தைப் பெற, ஒருவர் வட்டி விகித சுழற்சியின் சரியான திருப்பத்தில் இருக்க வேண்டும்.

வெறுமனே, ஒருமுதலீட்டாளர் எடுக்க வேண்டும்எஸ்ஐபி அத்தகைய நிதிகளுக்கு ஒரு வெளிப்பாட்டை உருவாக்குவதற்கான பாதை, ஆனால் ஒருவர் SIP களை மூடிவிட்டு, துறையின் அடிப்படைகள் மங்கத் தொடங்கும் போது அல்லது மூழ்கத் தொடங்கும் போது அந்தத் துறை பரஸ்பர நிதிகளில் இருந்து வெளியேற வேண்டும்.

போலல்லாமல்பன்முகப்படுத்தப்பட்ட நிதிகள், துறை பரஸ்பர நிதிகள் குறைவாக பன்முகத்தன்மை கொண்டவை, இதனால் அபாயத்தின் வெளிப்பாடு ஒப்பீட்டளவில் அதிகமாக உள்ளது. செக்டார் ஃபண்டுகளைச் சுற்றியுள்ள குறைபாடுகள் அதிக ஏற்ற இறக்கம் ஆகும். இது முதலீட்டின் தன்மை காரணமாகும். ஒரு முதலீட்டாளர் சந்தை மேல்நோக்கி நகரும் போது அதிகப்படியான வருமானத்தைப் பெறுவார் மற்றும் குறிப்பிட்ட துறையின் சந்தை மோசமடையும் போது மிகப்பெரிய இழப்பை சந்திக்க நேரிடும்.

3. எப்போது வெளியேற வேண்டும் என்பதை அறியவும்

பன்முகப்படுத்தப்பட்ட பரஸ்பர நிதிகளுடன் ஒப்பிடுகையில், ஒரு துறை பரஸ்பர நிதியை மிக நீண்ட காலத்திற்கு போர்ட்ஃபோலியோவில் வைத்திருக்கக்கூடாது. வெறுமனே, ஒரு துறை நன்றாக இருக்கும் என்று எதிர்பார்க்கப்படும் போது, ஒருவர் அத்தகைய நிதியை வாங்கி, அது சாதகமாக இல்லாமல் போகத் தொடங்கும் போது ஃபண்டிலிருந்து வெளியேற வேண்டும். இந்த நிதிகள் பெரும்பாலும் சுழற்சி முறையில் இருப்பதால், அவற்றின் பதவிக்காலம் பொதுவாக 3-5 ஆண்டுகள் ஆகும். எனவே, முதலீட்டாளர்கள் அத்தகைய நிதியிலிருந்து எப்போது வெளியேற வேண்டும் என்பதை அறிய சிறிது நேரம் செலவிட வேண்டும்.

4. வரையறுக்கப்பட்ட வெளிப்பாடு

செக்டார் ஃபண்டுகளில் முதலீடு செய்யும் முதலீட்டாளர்கள், ஃபண்ட் மேனேஜர் தனது முதலீட்டு விருப்பங்களில் கட்டுப்படுத்தப்படுகிறார் என்பதையும், அந்தத் துறை சந்தையில் சிறப்பாகச் செயல்படாவிட்டாலும், குறிப்பிட்ட துறையில் தொடர்ந்து முதலீடு செய்ய வேண்டும் என்பதையும் புரிந்து கொள்ள வேண்டும். அதேசமயம், ஈக்விட்டி டைவர்சிஃபைடு ஃபண்டுகளில், ஒரு ஃபண்ட் மேனேஜர் அத்தகைய கட்டுப்பாடுகளுக்குக் கட்டுப்படுவதில்லை.

சிறந்த செக்டார் மியூச்சுவல் ஃபண்டுகளில் எப்படி முதலீடு செய்வது?

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துறை நிதிகள் உங்கள் போர்ட்ஃபோலியோவை செறிவூட்டப்பட்ட அபாயத்திற்கு வெளிப்படுத்துகின்றன, உண்மையில், நீங்கள் வணிகச் சுழற்சிகளைத் தவிர்த்துவிட்டால், அது உங்களுக்கு பெரும் இழப்பை ஏற்படுத்தும். மறுபுறம், நீங்கள் துறையின் அடிப்படைகளை நன்கு அறிந்திருந்தால் மற்றும் அத்தகைய நிதிகளுடன் பிணைக்கப்பட்ட ஏற்ற இறக்கத்தை மதிப்பிடும் திறன் இருந்தால், நீங்கள் நல்ல லாபம் ஈட்டலாம். இருப்பினும், செக்டார் ஃபண்டுகளில் முதலீடு செய்யும் போது மிகவும் கவனமாக இருக்கவும் மற்றும் குறிப்பிட்ட பகுதியை மட்டுமே முதலீடு செய்யவும்மூலதனம்!

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