10, 20 ஆண்டு முதலீட்டுக்கான 10 சிறந்த SIP திட்டங்கள் 2022

Updated on January 29, 2026 , 233096 views

சிறந்த SIP திட்டங்கள்? அவற்றை எவ்வாறு தேர்வு செய்வது? என்று நினைக்கும் போது முதலீட்டாளர்களின் மனதில் ஏற்படும் பொதுவான கேள்விகள் இவைமியூச்சுவல் ஃபண்டுகளில் முதலீடு செய்தல் ஒரு மூலம்எஸ்ஐபி அல்லது முறையானமுதலீட்டுத் திட்டம்.SIP முதலீடு மிகவும் ஒழுக்கமான ஒன்றாகும்முதலீடு முதலீடு செய்யும் போது விருப்பங்கள்பரஸ்பர நிதி.

மேலும், SIP மியூச்சுவல் ஃபண்டில் முதலீடு செய்வதற்கான குறைந்தபட்சத் தொகை 500 ரூபாய்க்குக் குறைவாக உள்ளது. இது முதலீடு செய்ய வைக்கிறது.சிறந்த SIP மிகவும் வசதியான திட்டங்கள்.

நீங்கள் ஏன் SIP அல்லது முறையான முதலீட்டுத் திட்டத்தில் முதலீடு செய்ய வேண்டும்?

அவற்றில் சிலமுதலீட்டின் நன்மைகள் ஒரு SIP இல்:

கலவையின் சக்தி

முறையான முதலீட்டுத் திட்டங்களும் நன்மைகளை வழங்குகின்றனகலவையின் சக்தி. நீங்கள் அசல் மீது மட்டும் வட்டி பெறும் போது எளிய வட்டி. கூட்டு வட்டி விஷயத்தில், வட்டித் தொகை அசலில் சேர்க்கப்படும், மேலும் வட்டி புதிய அசலில் (பழைய அசல் மற்றும் ஆதாயங்கள்) கணக்கிடப்படும். இந்த செயல்முறை ஒவ்வொரு முறையும் தொடர்கிறது. SIP இல் உள்ள பரஸ்பர நிதிகள் தவணைகளில் இருப்பதால், அவை கூட்டுத்தொகையாக இருக்கும், இது ஆரம்பத்தில் முதலீடு செய்யப்பட்ட தொகைக்கு மேலும் சேர்க்கிறது.

ரூபாய் செலவு சராசரி

ஒரு முறையான முதலீட்டுத் திட்டம் வழங்கும் மிகப்பெரிய நன்மை ரூபாய் செலவு சராசரி ஆகும், இது ஒரு தனிநபருக்கு சொத்து வாங்குவதற்கான செலவை சராசரியாகக் கணக்கிட உதவுகிறது. மியூச்சுவல் ஃபண்டில் மொத்தமாக முதலீடு செய்யும் போது குறிப்பிட்ட எண்ணிக்கையிலான யூனிட்கள் வாங்கப்படுகின்றனமுதலீட்டாளர் ஒரே நேரத்தில், ஒரு SIP விஷயத்தில் அலகுகளை வாங்குவது நீண்ட காலத்திற்கு செய்யப்படுகிறது மற்றும் இவை மாத இடைவெளியில் (பொதுவாக) சமமாக விநியோகிக்கப்படுகின்றன. காலப்போக்கில் முதலீடு பரவுவதால், முதலீடு பங்குகளில் செய்யப்படுகிறதுசந்தை வெவ்வேறு விலை புள்ளிகளில் முதலீட்டாளருக்கு சராசரி செலவின் பலனை அளிக்கிறது, எனவே ரூபாய் செலவு சராசரி.

மலிவு

ஒவ்வொரு தவணைக்கும் தேவைப்படும் குறைந்தபட்சத் தொகை (அதுவும் மாதந்தோறும்!) INR 500 ஆகக் குறைவாக இருக்கும் என்பதால், SIP கள், வெகுஜனங்கள் சேமிப்பைத் தொடங்க மிகவும் மலிவு விருப்பமாகும். சில மியூச்சுவல் ஃபண்ட் நிறுவனங்கள் கூடMicroSIP டிக்கெட் அளவு INR 100 ஆக குறைவாக இருக்கும்.

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இடர் குறைப்பு

ஒரு முறையான முதலீட்டுத் திட்டம் நீண்ட காலத்திற்குப் பரவியிருப்பதால், பங்குச் சந்தையின் அனைத்து காலகட்டங்களையும், ஏற்றங்களையும், மிக முக்கியமாக இறக்கங்களையும் ஒருவர் பிடிக்கிறார். வீழ்ச்சியின் போது, பெரும்பாலான முதலீட்டாளர்களுக்கு பயம் ஏற்படும் போது, SIP தவணைகள் முதலீட்டாளர்கள் வாங்குவதை உறுதி செய்கின்றனகுறைந்த.

FY 22 - 23 இல் 10, 20 வருட முதலீட்டிற்கான சிறந்த SIP திட்டங்கள்

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
SBI PSU Fund Growth	₹34.9227 ↓ -0.22	₹5,817	500	3.7	10.7	20.6	31.7	30.6	11.3
DSP World Gold Fund Growth	₹68.627 ↓ -0.49	₹1,756	500	63.1	121.5	206.2	56.9	30	167.1
ICICI Prudential Infrastructure Fund Growth	₹192.2 ↑ 0.86	₹8,134	100	-4.9	-1.6	9.2	24.9	29.8	6.7
Invesco India PSU Equity Fund Growth	₹68.37 ↓ -0.66	₹1,449	500	3.1	9.2	21.3	32.3	28.7	10.3
ICICI Prudential Regular Gold Savings Fund Growth	₹55.0727 ↑ 4.29	₹4,482	100	48.1	80.2	116.7	44.3	27.9	72
Axis Gold Fund Growth	₹51.6534 ↑ 3.88	₹2,167	1,000	47.7	79.6	115	44.1	27.9	69.8
SBI Gold Fund Growth	₹51.6546 ↑ 3.77	₹10,775	500	47.1	78.9	115.5	44.1	27.8	71.5
HDFC Gold Fund Growth	₹52.7322 ↑ 3.91	₹8,501	300	46.9	78.7	115.3	43.7	27.6	71.3
Kotak Gold Fund Growth	₹67.2222 ↑ 4.48	₹5,213	1,000	45.3	77.3	112.9	43.3	27.2	70.4
HDFC Infrastructure Fund Growth	₹46.464 ↑ 0.05	₹2,452	300	-5	-2.7	7.5	26	27.1	2.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Jan 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	SBI PSU Fund	DSP World Gold Fund	ICICI Prudential Infrastructure Fund	Invesco India PSU Equity Fund	ICICI Prudential Regular Gold Savings Fund	Axis Gold Fund	SBI Gold Fund	HDFC Gold Fund	Kotak Gold Fund	HDFC Infrastructure Fund
Point 1	Upper mid AUM (₹5,817 Cr).	Bottom quartile AUM (₹1,756 Cr).	Upper mid AUM (₹8,134 Cr).	Bottom quartile AUM (₹1,449 Cr).	Lower mid AUM (₹4,482 Cr).	Bottom quartile AUM (₹2,167 Cr).	Highest AUM (₹10,775 Cr).	Top quartile AUM (₹8,501 Cr).	Upper mid AUM (₹5,213 Cr).	Lower mid AUM (₹2,452 Cr).
Point 2	Established history (15+ yrs).	Established history (18+ yrs).	Oldest track record among peers (20 yrs).	Established history (16+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (17+ yrs).
Point 3	Rating: 2★ (upper mid).	Top rated.	Rating: 3★ (top quartile).	Rating: 3★ (upper mid).	Rating: 1★ (lower mid).	Rating: 1★ (bottom quartile).	Rating: 2★ (lower mid).	Rating: 1★ (bottom quartile).	Rating: 1★ (bottom quartile).	Rating: 3★ (upper mid).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.
Point 5	5Y return: 30.62% (top quartile).	5Y return: 29.97% (top quartile).	5Y return: 29.83% (upper mid).	5Y return: 28.69% (upper mid).	5Y return: 27.91% (upper mid).	5Y return: 27.87% (lower mid).	5Y return: 27.84% (lower mid).	5Y return: 27.62% (bottom quartile).	5Y return: 27.15% (bottom quartile).	5Y return: 27.14% (bottom quartile).
Point 6	3Y return: 31.68% (bottom quartile).	3Y return: 56.94% (top quartile).	3Y return: 24.88% (bottom quartile).	3Y return: 32.31% (lower mid).	3Y return: 44.33% (top quartile).	3Y return: 44.12% (upper mid).	3Y return: 44.13% (upper mid).	3Y return: 43.73% (upper mid).	3Y return: 43.28% (lower mid).	3Y return: 26.01% (bottom quartile).
Point 7	1Y return: 20.61% (bottom quartile).	1Y return: 206.15% (top quartile).	1Y return: 9.19% (bottom quartile).	1Y return: 21.31% (lower mid).	1Y return: 116.66% (top quartile).	1Y return: 115.01% (upper mid).	1Y return: 115.45% (upper mid).	1Y return: 115.28% (upper mid).	1Y return: 112.90% (lower mid).	1Y return: 7.46% (bottom quartile).
Point 8	Alpha: -0.22 (bottom quartile).	Alpha: 1.32 (top quartile).	Alpha: 0.00 (top quartile).	Alpha: -1.90 (bottom quartile).	1M return: 30.27% (top quartile).	1M return: 30.59% (top quartile).	1M return: 29.43% (upper mid).	1M return: 29.43% (upper mid).	1M return: 29.10% (lower mid).	Alpha: 0.00 (bottom quartile).
Point 9	Sharpe: 0.33 (lower mid).	Sharpe: 3.42 (lower mid).	Sharpe: 0.12 (bottom quartile).	Sharpe: 0.27 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (lower mid).	Sharpe: -0.12 (bottom quartile).
Point 10	Information ratio: -0.47 (bottom quartile).	Information ratio: -0.67 (bottom quartile).	Information ratio: 0.00 (top quartile).	Information ratio: -0.37 (bottom quartile).	Sharpe: 4.33 (upper mid).	Sharpe: 4.36 (upper mid).	Sharpe: 4.38 (upper mid).	Sharpe: 4.39 (top quartile).	Sharpe: 4.63 (top quartile).	Information ratio: 0.00 (lower mid).

SBI PSU Fund

Upper mid AUM (₹5,817 Cr).
Established history (15+ yrs).
Rating: 2★ (upper mid).
Risk profile: High.
5Y return: 30.62% (top quartile).
3Y return: 31.68% (bottom quartile).
1Y return: 20.61% (bottom quartile).
Alpha: -0.22 (bottom quartile).
Sharpe: 0.33 (lower mid).
Information ratio: -0.47 (bottom quartile).

DSP World Gold Fund

Bottom quartile AUM (₹1,756 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 29.97% (top quartile).
3Y return: 56.94% (top quartile).
1Y return: 206.15% (top quartile).
Alpha: 1.32 (top quartile).
Sharpe: 3.42 (lower mid).
Information ratio: -0.67 (bottom quartile).

ICICI Prudential Infrastructure Fund

Upper mid AUM (₹8,134 Cr).
Oldest track record among peers (20 yrs).
Rating: 3★ (top quartile).
Risk profile: High.
5Y return: 29.83% (upper mid).
3Y return: 24.88% (bottom quartile).
1Y return: 9.19% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.12 (bottom quartile).
Information ratio: 0.00 (top quartile).

Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,449 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 28.69% (upper mid).
3Y return: 32.31% (lower mid).
1Y return: 21.31% (lower mid).
Alpha: -1.90 (bottom quartile).
Sharpe: 0.27 (bottom quartile).
Information ratio: -0.37 (bottom quartile).

ICICI Prudential Regular Gold Savings Fund

Lower mid AUM (₹4,482 Cr).
Established history (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 27.91% (upper mid).
3Y return: 44.33% (top quartile).
1Y return: 116.66% (top quartile).
1M return: 30.27% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 4.33 (upper mid).

Axis Gold Fund

Bottom quartile AUM (₹2,167 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 27.87% (lower mid).
3Y return: 44.12% (upper mid).
1Y return: 115.01% (upper mid).
1M return: 30.59% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 4.36 (upper mid).

SBI Gold Fund

Highest AUM (₹10,775 Cr).
Established history (14+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 27.84% (lower mid).
3Y return: 44.13% (upper mid).
1Y return: 115.45% (upper mid).
1M return: 29.43% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 4.38 (upper mid).

HDFC Gold Fund

Top quartile AUM (₹8,501 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 27.62% (bottom quartile).
3Y return: 43.73% (upper mid).
1Y return: 115.28% (upper mid).
1M return: 29.43% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 4.39 (top quartile).

Kotak Gold Fund

Upper mid AUM (₹5,213 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 27.15% (bottom quartile).
3Y return: 43.28% (lower mid).
1Y return: 112.90% (lower mid).
1M return: 29.10% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 4.63 (top quartile).

HDFC Infrastructure Fund

Lower mid AUM (₹2,452 Cr).
Established history (17+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 27.14% (bottom quartile).
3Y return: 26.01% (bottom quartile).
1Y return: 7.46% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.12 (bottom quartile).
Information ratio: 0.00 (lower mid).

*கீழே உள்ள நிதிகள் சிறந்தவை எனக் கருதுகின்றனசிஏஜிஆர் 5 ஆண்டுகளுக்கும் மேலான வருமானம் மற்றும் குறைந்தபட்சம் 5 வருட சந்தை வரலாறு (நிதி வயது) மற்றும் குறைந்தபட்சம்500 கோடி நிர்வாகத்தின் கீழ் உள்ள சொத்து.

1. SBI PSU Fund

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

Upper mid AUM (₹5,817 Cr).
Established history (15+ yrs).
Rating: 2★ (upper mid).
Risk profile: High.
5Y return: 30.62% (top quartile).
3Y return: 31.68% (bottom quartile).
1Y return: 20.61% (bottom quartile).
Alpha: -0.22 (bottom quartile).
Sharpe: 0.33 (lower mid).
Information ratio: -0.47 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~16.8%).

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (30 Jan 26)	₹34.9227 ↓ -0.22 (-0.62 %)
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

SBI PSU Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹642,208.
Net Profit of ₹342,208 Invest Now

Returns for SBI PSU Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jan 26

Duration	Returns
1 Month	4.5%
3 Month	3.7%
6 Month	10.7%
1 Year	20.6%
3 Year	31.7%
5 Year	30.6%
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 \| SBIN	17%	₹975 Cr	9,927,500
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	9%	₹518 Cr	12,975,000
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| 532555	9%	₹509 Cr	15,443,244 ↑ 900,000
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| 532155	9%	₹502 Cr	29,150,000 ↑ 3,400,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| 532898	8%	₹467 Cr	17,635,554 ↑ 1,100,000
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| 500547	6%	₹372 Cr	9,700,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| 532134	6%	₹325 Cr	11,000,000
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| 526371	4%	₹232 Cr	27,900,000
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| 532814	3%	₹203 Cr	2,427,235
Oil India Ltd (Energy) Equity, Since 31 Mar 24 \| OIL	3%	₹163 Cr	3,850,000

2. DSP World Gold Fund

"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."

Research Highlights for DSP World Gold Fund

Bottom quartile AUM (₹1,756 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 29.97% (top quartile).
3Y return: 56.94% (top quartile).
1Y return: 206.15% (top quartile).
Alpha: 1.32 (top quartile).
Sharpe: 3.42 (lower mid).
Information ratio: -0.67 (bottom quartile).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding BGF World Gold I2 (~73.7%).
Top-3 holdings concentration ~100.4%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (29 Jan 26)	₹68.627 ↓ -0.49 (-0.71 %)
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	₹37,089

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹627,226.
Net Profit of ₹327,226 Invest Now

Returns for DSP World Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jan 26

Duration	Returns
1 Month	29.4%
3 Month	63.1%
6 Month	121.5%
1 Year	206.2%
3 Year	56.9%
5 Year	30%
10 Year
15 Year
Since launch	11.1%

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 - \| GDX	25%	₹442 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	2%	₹28 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹8 Cr

3. ICICI Prudential Infrastructure Fund

To generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure development and balance in debt securities and money market instruments.

Research Highlights for ICICI Prudential Infrastructure Fund

Upper mid AUM (₹8,134 Cr).
Oldest track record among peers (20 yrs).
Rating: 3★ (top quartile).
Risk profile: High.
5Y return: 29.83% (upper mid).
3Y return: 24.88% (bottom quartile).
1Y return: 9.19% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.12 (bottom quartile).
Information ratio: 0.00 (top quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding Larsen & Toubro Ltd (~8.8%).

Below is the key information for ICICI Prudential Infrastructure Fund

ICICI Prudential Infrastructure Fund Growth
Launch Date	31 Aug 05
NAV (30 Jan 26)	₹192.2 ↑ 0.86 (0.45 %)
Net Assets (Cr)	₹8,134 on 31 Dec 25
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0.12
Information Ratio	0
Alpha Ratio	0
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 21	₹10,000
31 Jan 22	₹16,042
31 Jan 23	₹19,152
31 Jan 24	₹29,825
31 Jan 25	₹34,393
31 Jan 26	₹36,891

ICICI Prudential Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹627,226.
Net Profit of ₹327,226 Invest Now

Returns for ICICI Prudential 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 30 Jan 26

Duration	Returns
1 Month	-1.5%
3 Month	-4.9%
6 Month	-1.6%
1 Year	9.2%
3 Year	24.9%
5 Year	29.8%
10 Year
15 Year
Since launch	15.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.7%
2023	27.4%
2022	44.6%
2021	28.8%
2020	50.1%
2019	3.6%
2018	2.6%
2017	-14%
2016	40.8%
2015	2%

Fund Manager information for ICICI Prudential Infrastructure Fund

Name	Since	Tenure
Ihab Dalwai	3 Jun 17	8.59 Yr.
Sharmila D’mello	30 Jun 22	3.51 Yr.

Data below for ICICI Prudential Infrastructure Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	46.72%
Financial Services	13.08%
Basic Materials	11.19%
Utility	10.14%
Energy	8.12%
Real Estate	4.42%
Consumer Cyclical	1.99%
Communication Services	0.86%

Asset Allocation

Asset Class	Value
Cash	3.15%
Equity	96.85%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 09 \| LT	9%	₹717 Cr	1,755,704
InterGlobe Aviation Ltd (Industrials) Equity, Since 28 Feb 23 \| INDIGO	7%	₹565 Cr	1,116,358 ↑ 891,940
NTPC Ltd (Utilities) Equity, Since 29 Feb 16 \| 532555	4%	₹342 Cr	10,376,448 ↓ -600,000
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 May 24 \| ADANIPORTS	3%	₹250 Cr	1,700,000 ↓ -154,934
AIA Engineering Ltd (Industrials) Equity, Since 28 Feb 21 \| AIAENG	3%	₹246 Cr	612,120 ↓ -57,631
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 23 \| RELIANCE	3%	₹240 Cr	1,529,725
Kalpataru Projects International Ltd (Industrials) Equity, Since 30 Sep 06 \| KPIL	3%	₹230 Cr	1,911,120 ↑ 107,554
Axis Bank Ltd (Financial Services) Equity, Since 31 Dec 20 \| 532215	3%	₹214 Cr	1,683,557
IndusInd Bank Ltd (Financial Services) Equity, Since 31 Oct 24 \| INDUSINDBK	3%	₹209 Cr	2,424,016
NCC Ltd (Industrials) Equity, Since 31 Aug 21 \| NCC	3%	₹209 Cr	13,053,905

4. Invesco India PSU Equity Fund

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

Bottom quartile AUM (₹1,449 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 28.69% (upper mid).
3Y return: 32.31% (lower mid).
1Y return: 21.31% (lower mid).
Alpha: -1.90 (bottom quartile).
Sharpe: 0.27 (bottom quartile).
Information ratio: -0.37 (bottom quartile).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding State Bank of India (~9.4%).

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund Growth
Launch Date	18 Nov 09
NAV (30 Jan 26)	₹68.37 ↓ -0.66 (-0.96 %)
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

Invesco India PSU Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹612,552.
Net Profit of ₹312,552 Invest Now

Returns for Invesco India PSU Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jan 26

Duration	Returns
1 Month	4.9%
3 Month	3.1%
6 Month	9.2%
1 Year	21.3%
3 Year	32.3%
5 Year	28.7%
10 Year
15 Year
Since launch	12.6%

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 \| SBIN	9%	₹136 Cr	1,387,617 ↓ -38,697
Bharat Electronics Ltd (Industrials) Equity, Since 31 Mar 17 \| BEL	8%	₹120 Cr	2,997,692
Bharat Petroleum Corp Ltd (Energy) Equity, Since 30 Sep 18 \| 500547	7%	₹104 Cr	2,717,009 ↓ -184,556
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| 532814	7%	₹97 Cr	1,157,444 ↑ 76,826
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	6%	₹86 Cr	9,129,820 ↑ 339,034
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| HAL	6%	₹86 Cr	196,158
Bank of Baroda (Financial Services) Equity, Since 30 Jun 21 \| 532134	5%	₹66 Cr	2,244,222 ↑ 127,830
Bharat Dynamics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| BDL	5%	₹65 Cr	445,685 ↑ 21,640
Dredging Corp of India Ltd (Industrials) Equity, Since 31 Jul 25 \| DREDGECORP	4%	₹64 Cr	646,300
NTPC Ltd (Utilities) Equity, Since 31 May 19 \| 532555	4%	₹59 Cr	1,801,543 ↓ -223,420

5. ICICI Prudential Regular Gold Savings Fund

ICICI Prudential Regular Gold Savings Fund (the Scheme) is a fund of funds scheme with the primary objective to generate returns by investing in units of ICICI Prudential Gold Exchange Traded Fund (IPru Gold ETF). However, there can be no assurance that the investment objectives of the Scheme will be realized.

Research Highlights for ICICI Prudential Regular Gold Savings Fund

Lower mid AUM (₹4,482 Cr).
Established history (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 27.91% (upper mid).
3Y return: 44.33% (top quartile).
1Y return: 116.66% (top quartile).
1M return: 30.27% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 4.33 (upper mid).
Information ratio: 0.00 (top quartile).
Top bond sector: Cash Equivalent.
Largest holding ICICI Pru Gold ETF (~99.9%).
Top-3 holdings concentration ~103.1%.

Below is the key information for ICICI Prudential Regular Gold Savings Fund

ICICI Prudential Regular Gold Savings Fund Growth
Launch Date	11 Oct 11
NAV (29 Jan 26)	₹55.0727 ↑ 4.29 (8.46 %)
Net Assets (Cr)	₹4,482 on 31 Dec 25
Category	Gold - Gold
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.38
Sharpe Ratio	4.33
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-15 Months (2%),15 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹9,678
31 Jan 23	₹11,361
31 Jan 24	₹12,399
31 Jan 25	₹16,060
31 Jan 26	₹34,236

ICICI Prudential Regular Gold Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181 Invest Now

Returns for ICICI Prudential Regular Gold Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jan 26

Duration	Returns
1 Month	30.3%
3 Month	48.1%
6 Month	80.2%
1 Year	116.7%
3 Year	44.3%
5 Year	27.9%
10 Year
15 Year
Since launch	12.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	72%
2023	19.5%
2022	13.5%
2021	12.7%
2020	-5.4%
2019	26.6%
2018	22.7%
2017	7.4%
2016	0.8%
2015	8.9%

Fund Manager information for ICICI Prudential Regular Gold Savings Fund

Name	Since	Tenure
Manish Banthia	27 Sep 12	13.27 Yr.
Nishit Patel	29 Dec 20	5.01 Yr.
Ashwini Bharucha	1 Nov 25	0.17 Yr.
Venus Ahuja	1 Nov 25	0.17 Yr.

Data below for ICICI Prudential Regular Gold Savings Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	1.46%
Other	98.54%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Pru Gold ETF - \| -	100%	₹4,479 Cr	391,858,244 ↑ 23,365,770
Treps CBLO/Reverse Repo \| -	2%	₹73 Cr
Net Current Assets Net Current Assets \| -	2%	-₹70 Cr

6. Axis Gold Fund

To generate returns that closely correspond to returns generated by Axis Gold ETF.

Research Highlights for Axis Gold Fund

Bottom quartile AUM (₹2,167 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 27.87% (lower mid).
3Y return: 44.12% (upper mid).
1Y return: 115.01% (upper mid).
1M return: 30.59% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 4.36 (upper mid).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding Axis Gold ETF (~100.0%).
Top-3 holdings concentration ~101.2%.

Below is the key information for Axis Gold Fund

Axis Gold Fund Growth
Launch Date	20 Oct 11
NAV (29 Jan 26)	₹51.6534 ↑ 3.88 (8.12 %)
Net Assets (Cr)	₹2,167 on 31 Dec 25
Category	Gold - Gold
AMC	Axis Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.5
Sharpe Ratio	4.36
Information Ratio	0
Alpha Ratio	0
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	₹9,659
31 Jan 23	₹11,397
31 Jan 24	₹12,487
31 Jan 25	₹16,126
31 Jan 26	₹34,187

Axis Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181 Invest Now

Returns for Axis Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jan 26

Duration	Returns
1 Month	30.6%
3 Month	47.7%
6 Month	79.6%
1 Year	115%
3 Year	44.1%
5 Year	27.9%
10 Year
15 Year
Since launch	12.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	69.8%
2023	19.2%
2022	14.7%
2021	12.5%
2020	-4.7%
2019	26.9%
2018	23.1%
2017	8.3%
2016	0.7%
2015	10.7%

Fund Manager information for Axis Gold Fund

Name	Since	Tenure
Aditya Pagaria	9 Nov 21	4.15 Yr.
Pratik Tibrewal	1 Feb 25	0.91 Yr.

Data below for Axis Gold Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	1.48%
Other	98.52%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Gold ETF - \| -	100%	₹2,168 Cr	195,829,138 ↑ 10,476,454
Net Receivables / (Payables) CBLO \| -	1%	-₹13 Cr
Clearing Corporation Of India Ltd CBLO/Reverse Repo \| -	1%	₹12 Cr

7. SBI Gold Fund

The scheme seeks to provide returns that closely correspond to returns provided by SBI - ETF Gold (Previously known as SBI GETS).

Research Highlights for SBI Gold Fund

Highest AUM (₹10,775 Cr).
Established history (14+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 27.84% (lower mid).
3Y return: 44.13% (upper mid).
1Y return: 115.45% (upper mid).
1M return: 29.43% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 4.38 (upper mid).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding SBI Gold ETF (~100.3%).
Top-3 holdings concentration ~102.3%.

Below is the key information for SBI Gold Fund

SBI Gold Fund Growth
Launch Date	12 Sep 11
NAV (29 Jan 26)	₹51.6546 ↑ 3.77 (7.88 %)
Net Assets (Cr)	₹10,775 on 31 Dec 25
Category	Gold - Gold
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	0.3
Sharpe Ratio	4.38
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
31 Jan 21	₹10,000
31 Jan 22	₹9,629
31 Jan 23	₹11,359
31 Jan 24	₹12,462
31 Jan 25	₹16,115
31 Jan 26	₹34,149

SBI Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181 Invest Now

Returns for SBI Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jan 26

Duration	Returns
1 Month	29.4%
3 Month	47.1%
6 Month	78.9%
1 Year	115.5%
3 Year	44.1%
5 Year	27.8%
10 Year
15 Year
Since launch	12.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	71.5%
2023	19.6%
2022	14.1%
2021	12.6%
2020	-5.7%
2019	27.4%
2018	22.8%
2017	6.4%
2016	3.5%
2015	10%

Fund Manager information for SBI Gold Fund

Name	Since	Tenure
Raviprakash Sharma	12 Sep 11	14.31 Yr.

Data below for SBI Gold Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	1.25%
Other	98.75%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
SBI Gold ETF - \| -	100%	₹10,805 Cr	951,342,785 ↑ 86,762,195
Net Receivable / Payable CBLO \| -	1%	-₹125 Cr
Treps CBLO/Reverse Repo \| -	1%	₹94 Cr

8. HDFC Gold Fund

To seek capital appreciation by investing in units of HDFC Gold Exchange Traded Fund (HGETF).

Research Highlights for HDFC Gold Fund

Top quartile AUM (₹8,501 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 27.62% (bottom quartile).
3Y return: 43.73% (upper mid).
1Y return: 115.28% (upper mid).
1M return: 29.43% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 4.39 (top quartile).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding HDFC Gold ETF (~100.1%).
Top-3 holdings concentration ~101.0%.

Below is the key information for HDFC Gold Fund

HDFC Gold Fund Growth
Launch Date	24 Oct 11
NAV (29 Jan 26)	₹52.7322 ↑ 3.91 (8.01 %)
Net Assets (Cr)	₹8,501 on 31 Dec 25
Category	Gold - Gold
AMC	HDFC Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.49
Sharpe Ratio	4.39
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-6 Months (2%),6-12 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	₹9,641
31 Jan 23	₹11,342
31 Jan 24	₹12,349
31 Jan 25	₹15,958
31 Jan 26	₹33,852

HDFC Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181 Invest Now

Returns for HDFC Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jan 26

Duration	Returns
1 Month	29.4%
3 Month	46.9%
6 Month	78.7%
1 Year	115.3%
3 Year	43.7%
5 Year	27.6%
10 Year
15 Year
Since launch	12.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	71.3%
2023	18.9%
2022	14.1%
2021	12.7%
2020	-5.5%
2019	27.5%
2018	21.7%
2017	6.6%
2016	2.8%
2015	10.1%

Fund Manager information for HDFC Gold Fund

Name	Since	Tenure
Arun Agarwal	15 Feb 23	2.88 Yr.
Nandita Menezes	29 Mar 25	0.76 Yr.

Data below for HDFC Gold Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	1.32%
Other	98.68%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Gold ETF - \| -	100%	₹8,513 Cr	748,659,417 ↑ 41,324,000
Net Current Assets Net Current Assets \| -	1%	-₹43 Cr
Treps - Tri-Party Repo CBLO/Reverse Repo \| -	0%	₹31 Cr

9. Kotak Gold Fund

The investment objective of the scheme is to generate returns by investing in units of Kotak Gold Exchange Traded Fund.

Research Highlights for Kotak Gold Fund

Upper mid AUM (₹5,213 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 27.15% (bottom quartile).
3Y return: 43.28% (lower mid).
1Y return: 112.90% (lower mid).
1M return: 29.10% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 4.63 (top quartile).
Information ratio: 0.00 (lower mid).
Top bond sector: Cash Equivalent.
Largest holding Kotak Gold ETF (~100.2%).
Top-3 holdings concentration ~101.1%.

Below is the key information for Kotak Gold Fund

Kotak Gold Fund Growth
Launch Date	25 Mar 11
NAV (29 Jan 26)	₹67.2222 ↑ 4.48 (7.14 %)
Net Assets (Cr)	₹5,213 on 31 Dec 25
Category	Gold - Gold
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆
Risk	Moderately High
Expense Ratio	0.5
Sharpe Ratio	4.63
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-6 Months (2%),6-12 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	₹9,630
31 Jan 23	₹11,266
31 Jan 24	₹12,247
31 Jan 25	₹15,860
31 Jan 26	₹33,234

Kotak Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181 Invest Now

Returns for Kotak Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jan 26

Duration	Returns
1 Month	29.1%
3 Month	45.3%
6 Month	77.3%
1 Year	112.9%
3 Year	43.3%
5 Year	27.2%
10 Year
15 Year
Since launch	13.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	70.4%
2023	18.9%
2022	13.9%
2021	11.7%
2020	-4.7%
2019	26.6%
2018	24.1%
2017	7.3%
2016	2.5%
2015	10.2%

Fund Manager information for Kotak Gold Fund

Name	Since	Tenure
Abhishek Bisen	25 Mar 11	14.78 Yr.
Jeetu Sonar	1 Oct 22	3.25 Yr.

Data below for Kotak Gold Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	1.32%
Other	98.68%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Kotak Gold ETF - \| -	100%	₹5,221 Cr	471,742,933 ↑ 14,812,922
Net Current Assets/(Liabilities) Net Current Assets \| -	1%	-₹29 Cr
Triparty Repo CBLO/Reverse Repo \| -	0%	₹21 Cr

10. HDFC Infrastructure Fund

To seek long-term capital appreciation by investing predominantly in equity and equity related securities of companies engaged in or expected to benefit from growth and development of infrastructure.

Research Highlights for HDFC Infrastructure Fund

Lower mid AUM (₹2,452 Cr).
Established history (17+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 27.14% (bottom quartile).
3Y return: 26.01% (bottom quartile).
1Y return: 7.46% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.12 (bottom quartile).
Information ratio: 0.00 (lower mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding Larsen & Toubro Ltd (~6.6%).

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund Growth
Launch Date	10 Mar 08
NAV (30 Jan 26)	₹46.464 ↑ 0.05 (0.10 %)
Net Assets (Cr)	₹2,452 on 31 Dec 25
Category	Equity - Sectoral
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	2.06
Sharpe Ratio	-0.13
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹15,059
31 Jan 23	₹16,950
31 Jan 24	₹28,499
31 Jan 25	₹31,485
31 Jan 26	₹33,227

HDFC Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181 Invest Now

Returns for HDFC 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 30 Jan 26

Duration	Returns
1 Month	-1.2%
3 Month	-5%
6 Month	-2.7%
1 Year	7.5%
3 Year	26%
5 Year	27.1%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2024	2.2%
2023	23%
2022	55.4%
2021	19.3%
2020	43.2%
2019	-7.5%
2018	-3.4%
2017	-29%
2016	43.3%
2015	-1.9%

Fund Manager information for HDFC Infrastructure Fund

Name	Since	Tenure
Dhruv Muchhal	22 Jun 23	2.53 Yr.
Ashish Shah	1 Nov 25	0.17 Yr.

Data below for HDFC Infrastructure Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	39.43%
Financial Services	20.52%
Basic Materials	10.17%
Energy	7.36%
Utility	6.95%
Communication Services	4.29%
Real Estate	2.59%
Health Care	1.72%
Technology	1.41%
Consumer Cyclical	0.69%

Asset Allocation

Asset Class	Value
Cash	4.88%
Equity	95.12%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 12 \| LT	7%	₹162 Cr	397,500 ↑ 17,500
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| 532174	6%	₹148 Cr	1,100,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Aug 23 \| HDFCBANK	6%	₹139 Cr	1,400,000
Kalpataru Projects International Ltd (Industrials) Equity, Since 31 Jan 23 \| KPIL	4%	₹91 Cr	758,285
J Kumar Infraprojects Ltd (Industrials) Equity, Since 31 Oct 15 \| JKIL	3%	₹82 Cr	1,400,000
Reliance Industries Ltd (Energy) Equity, Since 31 May 24 \| RELIANCE	3%	₹79 Cr	500,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Dec 21 \| INDIGO	3%	₹76 Cr	150,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 20 \| BHARTIARTL	3%	₹74 Cr	350,000
NTPC Ltd (Utilities) Equity, Since 31 Dec 17 \| 532555	3%	₹73 Cr	2,200,000
State Bank of India (Financial Services) Equity, Since 31 Mar 08 \| SBIN	3%	₹69 Cr	704,361

மியூச்சுவல் ஃபண்ட் SIP ஆன்லைனில் எப்படி முதலீடு செய்வது?

Fincash.com இல் வாழ்நாள் முழுவதும் இலவச முதலீட்டுக் கணக்கைத் திறக்கவும்.

உங்கள் பதிவு மற்றும் KYC செயல்முறையை முடிக்கவும்

ஆவணங்களைப் பதிவேற்றவும் (PAN, ஆதார் போன்றவை).மேலும், நீங்கள் முதலீடு செய்ய தயாராக உள்ளீர்கள்!

தொடங்குங்கள்

அடிக்கடி கேட்கப்படும் கேள்விகள்

1. தொகை பற்று வைக்கப்படும் நேரத்தை நான் தேர்வு செய்யலாமா?

A: இல்லை, உங்களிடமிருந்து தொகை பற்று வைக்கப்படும் காலம்வங்கி நீங்கள் முதலீடு செய்ய முடிவு செய்துள்ள SIPஐப் பொறுத்து கணக்கு அமையும். நீங்கள் தேர்வு செய்யலாம்SIP இல் முதலீடு செய்யுங்கள் ஒரு வருடம் முதல் 10+ ஆண்டுகள் வரை. SIP இன் காலத்தைப் பொறுத்து, உங்கள் கணக்கிலிருந்து தொகை கழிக்கப்படும்.

2. SIPக்கான காலம் மற்றும் பதவிக்காலம் ஒரே விஷயம்/காலமா?

A: ஆம், அவை ஒன்றே. நீங்கள் சலுகை ஆவணத்தைப் படிக்கும்போது, SIP காலத்தை கவனமாகச் சரிபார்க்கவும், ஏனெனில் இது உங்கள் கணக்கில் இருந்து அவர்கள் பணம் கழிக்கப்படும் காலம்/பதவிக்காலம் ஆகியவற்றை உங்களுக்குத் தெரிவிக்கும். பதவிக்காலத்தைத் தேர்ந்தெடுப்பது முற்றிலும் முதலீட்டாளரின் விருப்பமாகும்.

3. SIPகளின் பதவிக்காலத்தை மாற்ற முடியுமா?

A: SIPஐ கட்டாயமாக்கும் திட்டத்தை நீங்கள் தேர்ந்தெடுத்திருந்தால், அந்த பதவிக்காலத்தை நீங்கள் முடிக்க வேண்டும். பதவிக்காலத்திற்குப் பிறகு, நீங்கள் முழுத் தொகையையும் திரும்பப் பெறலாம். இருப்பினும், நீங்கள் முதலீட்டைப் புதுப்பிக்க விரும்பினால், நீங்கள் பதவிக்காலத்தை மாற்றி, மேலும் நீட்டிக்கப்பட்ட கட்டளையுடன் வேறு SIPஐத் தேர்ந்தெடுக்கலாம்.

4. SIPகளுக்கான முதலீட்டுத் தொகையை மாற்றலாமா?

A: நெகிழ்வான SIPகளில் முதலீடு செய்ய நீங்கள் தேர்வு செய்யலாம். இந்த SIPகள் முதலீட்டு காலத்தில் நீங்கள் முதலீடு செய்யக்கூடிய பணத்தை மாற்ற அனுமதிக்கின்றன. உங்களின் பதவிக் காலத்தில், SIP-களில் முதலீடு செய்ய விரும்பும் பணத்தின் அளவை உங்களுக்கேற்ப மாற்றிக்கொள்ளலாம்பணப்புழக்கம்.

5. நீண்ட கால SIPகள் என்றால் என்ன?

A: நீண்ட கால SIP என்பது நீங்கள் கிட்டத்தட்ட 5 முதல் 10 ஆண்டுகள் வரை முதலீடு செய்யும் ஒன்றாக இருக்கும். வெறுமனே, நீண்ட கால SIP கள் நல்ல வருமானத்தை வழங்க அதிக வாய்ப்புகள் உள்ளன.

6. பதவிக்காலத்திற்கு முன் நான் SIP இலிருந்து வெளியேறலாமா?

A: SIP இன் பதவிக் காலத்தை முடிக்கும் முன் நீங்கள் அதை வெளியே எடுக்காமல் இருந்தால் நல்லது. சில நேரங்களில் முதலீடு வெளியேறும் சுமை இல்லாமல் இருக்கலாம், ஆனால் அது குறிப்பிட்ட SIP ஐப் பொறுத்தது. நீங்கள் செய்யும் முதலீடு குறித்து உங்களுக்குத் தெரியாவிட்டால், ஒரு வருடத்திற்கு 500 ரூபாய் மட்டுமே முதலீடு செய்து சிறிய அளவில் தொடங்க வேண்டும். உங்கள் ரிஸ்க் எடுக்கும் பசி அதிகரிக்கும் போது, உங்கள் முதலீட்டை அதிகரிக்கலாம்.

Disclaimer:
இங்கு வழங்கப்பட்ட தகவல்கள் துல்லியமானவை என்பதை உறுதிப்படுத்த அனைத்து முயற்சிகளும் மேற்கொள்ளப்பட்டுள்ளன. இருப்பினும், தரவுகளின் சரியான தன்மை குறித்து எந்த உத்தரவாதமும் அளிக்கப்படவில்லை. முதலீடு செய்வதற்கு முன் திட்டத் தகவல் ஆவணத்துடன் சரிபார்க்கவும்.