2022లో పెట్టుబడి పెట్టడానికి ఉత్తమమైన డైవర్సిఫైడ్ మ్యూచువల్ ఫండ్‌లు

Updated on November 25, 2025 , 48381 views

డైవర్సిఫైడ్ ఫండ్స్, మల్టీ క్యాప్ ఫండ్స్ అని కూడా అంటారుఈక్విటీ ఫండ్స్. ఈక్విటీలలో బహిర్గతం చేయాలనుకునే అధిక-రిస్క్ ఆకలి ఉన్న పెట్టుబడిదారులు సాధారణంగా మొగ్గు చూపుతారుపెట్టుబడి పెడుతున్నారు విభిన్న నిధులలో. డైవర్సిఫైడ్ ఫండ్స్ అంతటా ఇన్వెస్ట్ చేస్తాయిసంత వంటి టోపీలు - లార్జ్ క్యాప్, మిడ్ క్యాప్ &చిన్న టోపీ.

మల్టీ క్యాప్, ఫ్లెక్సీ క్యాప్ లేదా డైవర్సిఫైడ్ స్కీమ్‌లు ఫండ్ మేనేజర్ వీక్షణ ఆధారంగా వివిధ మార్కెట్ క్యాపిటలైజేషన్‌లో స్టాక్‌లలో పెట్టుబడి పెట్టాలి. ఒక్కో మార్కెట్ క్యాప్‌కి కేటాయింపు పథకం నుండి స్కీమ్‌కు మారుతూ ఉంటుంది. కొన్ని పథకాలు నిర్ణీత నిష్పత్తిని కలిగి ఉంటాయి మరియు కొన్ని మార్కెట్ పరిస్థితులపై ఆధారపడి డైనమిక్‌గా మారుస్తాయి.

ఇవిమ్యూచువల్ ఫండ్స్ దత్తత aవిలువ పెట్టుబడి వారి గత పనితీరుతో పోల్చితే సాపేక్షంగా తక్కువగా ఉన్న కంపెనీల స్టాక్‌లను కొనుగోలు చేసే వ్యూహం,పుస్తకం విలువ,సంపాదన, మరియు ఇతర విలువ పారామితులు.

పెట్టుబడి పెట్టడం ద్వారాఉత్తమ డైవర్సిఫైడ్ ఈక్విటీ ఫండ్స్, పెట్టుబడిదారులు కొంచెం ఎక్కువ స్థిరమైన రాబడిని పొందగలరు, అయినప్పటికీ, వారు ఇప్పటికీ కల్లోలమైన మార్కెట్ పరిస్థితిలో ఈక్విటీల అస్థిరత ద్వారా ప్రభావితమవుతారు. పెట్టుబడి పెట్టడానికి ఎక్కువ రిస్క్ తీసుకోవడానికి ఇష్టపడని పెట్టుబడిదారులకు డైవర్సిఫైడ్ ఫండ్స్ మంచివిచిన్న స్టాక్స్, అయితే ఎమర్జింగ్ స్టాక్‌ల నుండి అదనపు అధిక రాబడిని పొందాలనుకుంటున్నారు. ఒక వ్యక్తి తక్కువ నుండి మోడరేట్ వరకు ఉన్నట్లయితే డైవర్సిఫైడ్ ఈక్విటీ ఫండ్లలో పెట్టుబడి పెట్టాలిప్రమాద ప్రొఫైల్.

మంచి డైవర్సిఫైడ్ ఈక్విటీ ఫండ్‌ని ఎంచుకునే ప్రక్రియను సులభతరం చేయడానికి, మేము ముందుగా ఎంచుకున్న కొన్ని టాప్ & బెస్ట్ డైవర్సిఫైడ్ ఈక్విటీ ఫండ్‌లతో పాటు అవసరమైన పారామితులను జాబితా చేసాము - పెట్టుబడిదారులు తమ పెట్టుబడి ప్రయాణంలో పరిగణనలోకి తీసుకోవచ్చు.

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9 ఉత్తమ పనితీరు కనబరుస్తున్న డైవర్సిఫైడ్ ఫండ్స్ FY 22 - 23

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Motilal Oswal Multicap 35 Fund Growth	₹62.4108 ↓ -0.12	₹14,319	1.8	3.9	1.4	22	17.2	45.7
Nippon India Multi Cap Fund Growth	₹303.99 ↓ -0.20	₹49,314	1.7	3.5	3.8	21.6	27.3	25.8
HDFC Equity Fund Growth	₹2,081.96 ↓ -2.41	₹91,041	4.8	6.8	10.3	21.1	26.1	23.5
JM Multicap Fund Growth	₹98.7894 ↓ -0.31	₹6,080	2.4	2.4	-4	20.7	22.1	33.3
ICICI Prudential Multicap Fund Growth	₹803.88 ↓ -1.01	₹16,067	2.4	2.6	3.4	19.3	21.5	20.7
Mahindra Badhat Yojana Growth	₹36.3274 ↓ -0.08	₹6,055	4.5	6.3	5.5	19.3	23.1	23.4
Aditya Birla Sun Life Manufacturing Equity Fund Growth	₹33.36 ↓ -0.04	₹1,115	5.9	7	2.8	19.2	17.5	25
Bandhan Focused Equity Fund Growth	₹89.534 ↓ -0.06	₹2,086	3.8	6.1	1.8	18.5	16.2	30.3
Baroda Pioneer Multi Cap Fund Growth	₹292.175 ↓ -0.92	₹3,108	2.9	5.7	0.1	18.4	21.1	31.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Nov 25

Research Highlights & Commentary of 9 Funds showcased

Commentary	Motilal Oswal Multicap 35 Fund	Nippon India Multi Cap Fund	HDFC Equity Fund	JM Multicap Fund	ICICI Prudential Multicap Fund	Mahindra Badhat Yojana	Aditya Birla Sun Life Manufacturing Equity Fund	Bandhan Focused Equity Fund	Baroda Pioneer Multi Cap Fund
Point 1	Upper mid AUM (₹14,319 Cr).	Top quartile AUM (₹49,314 Cr).	Highest AUM (₹91,041 Cr).	Lower mid AUM (₹6,080 Cr).	Upper mid AUM (₹16,067 Cr).	Lower mid AUM (₹6,055 Cr).	Bottom quartile AUM (₹1,115 Cr).	Bottom quartile AUM (₹2,086 Cr).	Bottom quartile AUM (₹3,108 Cr).
Point 2	Established history (11+ yrs).	Established history (20+ yrs).	Established history (30+ yrs).	Established history (17+ yrs).	Oldest track record among peers (31 yrs).	Established history (8+ yrs).	Established history (10+ yrs).	Established history (19+ yrs).	Established history (22+ yrs).
Point 3	Top rated.	Rating: 2★ (bottom quartile).	Rating: 3★ (upper mid).	Rating: 4★ (top quartile).	Rating: 3★ (lower mid).	Not Rated.	Not Rated.	Rating: 4★ (upper mid).	Rating: 3★ (lower mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 17.20% (bottom quartile).	5Y return: 27.32% (top quartile).	5Y return: 26.11% (top quartile).	5Y return: 22.08% (upper mid).	5Y return: 21.51% (lower mid).	5Y return: 23.12% (upper mid).	5Y return: 17.48% (bottom quartile).	5Y return: 16.21% (bottom quartile).	5Y return: 21.10% (lower mid).
Point 6	3Y return: 22.01% (top quartile).	3Y return: 21.62% (top quartile).	3Y return: 21.14% (upper mid).	3Y return: 20.66% (upper mid).	3Y return: 19.31% (lower mid).	3Y return: 19.29% (lower mid).	3Y return: 19.21% (bottom quartile).	3Y return: 18.48% (bottom quartile).	3Y return: 18.44% (bottom quartile).
Point 7	1Y return: 1.40% (bottom quartile).	1Y return: 3.77% (upper mid).	1Y return: 10.31% (top quartile).	1Y return: -3.98% (bottom quartile).	1Y return: 3.35% (upper mid).	1Y return: 5.48% (top quartile).	1Y return: 2.80% (lower mid).	1Y return: 1.83% (lower mid).	1Y return: 0.08% (bottom quartile).
Point 8	Alpha: 0.60 (top quartile).	Alpha: -0.58 (lower mid).	Alpha: 3.93 (top quartile).	Alpha: -10.27 (bottom quartile).	Alpha: -2.69 (bottom quartile).	Alpha: 0.43 (upper mid).	Alpha: 0.00 (upper mid).	Alpha: -0.06 (lower mid).	Alpha: -3.46 (bottom quartile).
Point 9	Sharpe: 0.05 (top quartile).	Sharpe: -0.07 (lower mid).	Sharpe: 0.39 (top quartile).	Sharpe: -0.64 (bottom quartile).	Sharpe: -0.23 (bottom quartile).	Sharpe: 0.00 (upper mid).	Sharpe: -0.14 (lower mid).	Sharpe: 0.00 (upper mid).	Sharpe: -0.23 (bottom quartile).
Point 10	Information ratio: 0.57 (upper mid).	Information ratio: 0.64 (upper mid).	Information ratio: 1.44 (top quartile).	Information ratio: 0.89 (top quartile).	Information ratio: 0.24 (lower mid).	Information ratio: 0.13 (bottom quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.40 (lower mid).	Information ratio: -0.01 (bottom quartile).

Motilal Oswal Multicap 35 Fund

Upper mid AUM (₹14,319 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 17.20% (bottom quartile).
3Y return: 22.01% (top quartile).
1Y return: 1.40% (bottom quartile).
Alpha: 0.60 (top quartile).
Sharpe: 0.05 (top quartile).
Information ratio: 0.57 (upper mid).

Nippon India Multi Cap Fund

Top quartile AUM (₹49,314 Cr).
Established history (20+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 27.32% (top quartile).
3Y return: 21.62% (top quartile).
1Y return: 3.77% (upper mid).
Alpha: -0.58 (lower mid).
Sharpe: -0.07 (lower mid).
Information ratio: 0.64 (upper mid).

HDFC Equity Fund

Highest AUM (₹91,041 Cr).
Established history (30+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 26.11% (top quartile).
3Y return: 21.14% (upper mid).
1Y return: 10.31% (top quartile).
Alpha: 3.93 (top quartile).
Sharpe: 0.39 (top quartile).
Information ratio: 1.44 (top quartile).

JM Multicap Fund

Lower mid AUM (₹6,080 Cr).
Established history (17+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately High.
5Y return: 22.08% (upper mid).
3Y return: 20.66% (upper mid).
1Y return: -3.98% (bottom quartile).
Alpha: -10.27 (bottom quartile).
Sharpe: -0.64 (bottom quartile).
Information ratio: 0.89 (top quartile).

ICICI Prudential Multicap Fund

Upper mid AUM (₹16,067 Cr).
Oldest track record among peers (31 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 21.51% (lower mid).
3Y return: 19.31% (lower mid).
1Y return: 3.35% (upper mid).
Alpha: -2.69 (bottom quartile).
Sharpe: -0.23 (bottom quartile).
Information ratio: 0.24 (lower mid).

Mahindra Badhat Yojana

Lower mid AUM (₹6,055 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 23.12% (upper mid).
3Y return: 19.29% (lower mid).
1Y return: 5.48% (top quartile).
Alpha: 0.43 (upper mid).
Sharpe: 0.00 (upper mid).
Information ratio: 0.13 (bottom quartile).

Aditya Birla Sun Life Manufacturing Equity Fund

Bottom quartile AUM (₹1,115 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: High.
5Y return: 17.48% (bottom quartile).
3Y return: 19.21% (bottom quartile).
1Y return: 2.80% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.14 (lower mid).
Information ratio: 0.00 (bottom quartile).

Bandhan Focused Equity Fund

Bottom quartile AUM (₹2,086 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 16.21% (bottom quartile).
3Y return: 18.48% (bottom quartile).
1Y return: 1.83% (lower mid).
Alpha: -0.06 (lower mid).
Sharpe: 0.00 (upper mid).
Information ratio: 0.40 (lower mid).

Baroda Pioneer Multi Cap Fund

Bottom quartile AUM (₹3,108 Cr).
Established history (22+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 21.10% (lower mid).
3Y return: 18.44% (bottom quartile).
1Y return: 0.08% (bottom quartile).
Alpha: -3.46 (bottom quartile).
Sharpe: -0.23 (bottom quartile).
Information ratio: -0.01 (bottom quartile).

*ఎగువ వైవిధ్యభరితమైన జాబితా ఉంది/మల్టీక్యాప్ AUM/నికర ఆస్తులతో మ్యూచువల్ ఫండ్స్ >500 కోట్లు, క్రమబద్ధీకరించబడింది3 సంవత్సరంCAGR తిరిగి వస్తుంది.

1. Motilal Oswal Multicap 35 Fund

(Erstwhile Motilal Oswal MOSt Focused Multicap 35 Fund)

The investment objective of the Scheme is to achieve long term capital appreciation by primarily investing in a maximum of 35 equity & equity related instruments across sectors and market-capitalization levels.However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved.

Research Highlights for Motilal Oswal Multicap 35 Fund

Upper mid AUM (₹14,319 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 17.20% (bottom quartile).
3Y return: 22.01% (top quartile).
1Y return: 1.40% (bottom quartile).
Alpha: 0.60 (top quartile).
Sharpe: 0.05 (top quartile).
Information ratio: 0.57 (upper mid).
Higher exposure to Technology vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~89%).
Largest holding Persistent Systems Ltd (~10.1%).

Below is the key information for Motilal Oswal Multicap 35 Fund

Motilal Oswal Multicap 35 Fund Growth
Launch Date	28 Apr 14
NAV (27 Nov 25)	₹62.4108 ↓ -0.12 (-0.19 %)
Net Assets (Cr)	₹14,319 on 31 Oct 25
Category	Equity - Multi Cap
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.77
Sharpe Ratio	0.05
Information Ratio	0.57
Alpha Ratio	0.6
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 Oct 20	₹10,000
31 Oct 21	₹13,623
31 Oct 22	₹13,522
31 Oct 23	₹15,130
31 Oct 24	₹23,154
31 Oct 25	₹24,384

Motilal Oswal Multicap 35 Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 Invest Now

Returns for Motilal Oswal Multicap 35 Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Nov 25

Duration	Returns
1 Month	-1.1%
3 Month	1.8%
6 Month	3.9%
1 Year	1.4%
3 Year	22%
5 Year	17.2%
10 Year
15 Year
Since launch	17.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	45.7%
2023	31%
2022	-3%
2021	15.3%
2020	10.3%
2019	7.9%
2018	-7.8%
2017	43.1%
2016	8.5%
2015	14.6%

Fund Manager information for Motilal Oswal Multicap 35 Fund

Name	Since	Tenure
Ajay Khandelwal	1 Oct 24	1.08 Yr.
Niket Shah	1 Jul 22	3.34 Yr.
Rakesh Shetty	22 Nov 22	2.94 Yr.
Atul Mehra	1 Oct 24	1.08 Yr.
Sunil Sawant	1 Jul 24	1.34 Yr.

Data below for Motilal Oswal Multicap 35 Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Technology	30.04%
Consumer Cyclical	24.62%
Industrials	17.86%
Financial Services	9.31%
Utility	4.45%
Communication Services	3.01%

Asset Allocation

Asset Class	Value
Cash	10.72%
Equity	89.28%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Persistent Systems Ltd (Technology) Equity, Since 31 Mar 23 \| PERSISTENT	10%	₹1,440 Cr	2,433,634 ↓ -66,366
Eternal Ltd (Consumer Cyclical) Equity, Since 31 May 25 \| 543320	9%	₹1,271 Cr	40,000,000
Dixon Technologies (India) Ltd (Technology) Equity, Since 31 Mar 25 \| DIXON	9%	₹1,240 Cr	799,993 ↑ 18,567
Coforge Ltd (Technology) Equity, Since 31 May 23 \| COFORGE	9%	₹1,220 Cr	6,863,878 ↓ -1,136,122
Kalyan Jewellers India Ltd (Consumer Cyclical) Equity, Since 30 Sep 23 \| KALYANKJIL	8%	₹1,198 Cr	23,500,000 ↑ 1,000,000
Polycab India Ltd (Industrials) Equity, Since 31 Jan 24 \| POLYCAB	8%	₹1,187 Cr	1,540,612 ↓ -345,714
Trent Ltd (Consumer Cyclical) Equity, Since 31 Jan 23 \| 500251	7%	₹1,056 Cr	2,250,000 ↑ 243,330
Cholamandalam Investment and Finance Co Ltd (Financial Services) Equity, Since 31 Mar 23 \| CHOLAFIN	7%	₹997 Cr	5,877,496
CG Power & Industrial Solutions Ltd (Industrials) Equity, Since 31 Jan 25 \| 500093	6%	₹884 Cr	12,000,000 ↓ -500,000
Siemens Energy India Ltd (Utilities) Equity, Since 30 Jun 25 \| ENRIN	4%	₹637 Cr	2,000,000 ↓ -171,491

2. Nippon India Multi Cap Fund

(Erstwhile Reliance Equity Opportunities Fund)

The primary investment objective of the scheme is to seek to generate capital appreciation & provide long-term growth opportunities by investing in a portfolio constituted of equity securities & equity related securities and the secondary objective is to generate consistent returns by investing in debt and money market securities.

Research Highlights for Nippon India Multi Cap Fund

Top quartile AUM (₹49,314 Cr).
Established history (20+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 27.32% (top quartile).
3Y return: 21.62% (top quartile).
1Y return: 3.77% (upper mid).
Alpha: -0.58 (lower mid).
Sharpe: -0.07 (lower mid).
Information ratio: 0.64 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding HDFC Bank Ltd (~5.4%).

Below is the key information for Nippon India Multi Cap Fund

Nippon India Multi Cap Fund Growth
Launch Date	28 Mar 05
NAV (27 Nov 25)	₹303.99 ↓ -0.20 (-0.07 %)
Net Assets (Cr)	₹49,314 on 31 Oct 25
Category	Equity - Multi Cap
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.57
Sharpe Ratio	-0.07
Information Ratio	0.64
Alpha Ratio	-0.58
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 Oct 20	₹10,000
31 Oct 21	₹18,151
31 Oct 22	₹20,964
31 Oct 23	₹25,629
31 Oct 24	₹36,587
31 Oct 25	₹38,085

Nippon India Multi Cap 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 Nippon India Multi Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Nov 25

Duration	Returns
1 Month	-0.4%
3 Month	1.7%
6 Month	3.5%
1 Year	3.8%
3 Year	21.6%
5 Year	27.3%
10 Year
15 Year
Since launch	18%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	25.8%
2023	38.1%
2022	14.1%
2021	48.9%
2020	0%
2019	2.2%
2018	-2.2%
2017	40.9%
2016	-6.7%
2015	0.5%

Fund Manager information for Nippon India Multi Cap Fund

Name	Since	Tenure
Sailesh Raj Bhan	31 Mar 05	20.6 Yr.
Ashutosh Bhargava	1 Sep 21	4.17 Yr.
Kinjal Desai	25 May 18	7.44 Yr.
Lokesh Maru	5 Sep 25	0.16 Yr.
Divya Sharma	5 Sep 25	0.16 Yr.

Data below for Nippon India Multi Cap Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Financial Services	23.81%
Consumer Cyclical	22.83%
Industrials	16.87%
Health Care	9.1%
Utility	6.05%
Consumer Defensive	5.91%
Basic Materials	5.45%
Technology	4.24%
Energy	2.88%
Communication Services	1.59%

Asset Allocation

Asset Class	Value
Cash	1.12%
Equity	98.88%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 10 \| HDFCBANK	5%	₹2,673 Cr	27,069,796 ↑ 2,068,900
Axis Bank Ltd (Financial Services) Equity, Since 31 Jan 15 \| 532215	4%	₹1,985 Cr	16,099,895
GE Vernova T&D India Ltd (Industrials) Equity, Since 31 May 12 \| 522275	3%	₹1,457 Cr	4,797,058
Reliance Industries Ltd (Energy) Equity, Since 31 Oct 20 \| RELIANCE	3%	₹1,422 Cr	9,568,975
Infosys Ltd (Technology) Equity, Since 30 Apr 09 \| INFY	3%	₹1,287 Cr	8,683,231
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	2%	₹1,145 Cr	8,509,000
Max Financial Services Ltd (Financial Services) Equity, Since 31 Mar 12 \| 500271	2%	₹1,126 Cr	7,281,109 ↓ -118,891
State Bank of India (Financial Services) Equity, Since 31 Mar 05 \| SBIN	2%	₹1,113 Cr	11,876,760 ↓ -500,000
NTPC Ltd (Utilities) Equity, Since 30 Jun 23 \| 532555	2%	₹1,003 Cr	29,762,573
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Mar 10 \| LT	2%	₹1,001 Cr	2,482,390 ↑ 100,000

3. HDFC Equity Fund

Aims at providing capital appreciation through investments predominantly in equity oriented securities

Research Highlights for HDFC Equity Fund

Highest AUM (₹91,041 Cr).
Established history (30+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 26.11% (top quartile).
3Y return: 21.14% (upper mid).
1Y return: 10.31% (top quartile).
Alpha: 3.93 (top quartile).
Sharpe: 0.39 (top quartile).
Information ratio: 1.44 (top quartile).
Higher exposure to Financial Services vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~90%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~9.0%).

Below is the key information for HDFC Equity Fund

HDFC Equity Fund Growth
Launch Date	1 Jan 95
NAV (27 Nov 25)	₹2,081.96 ↓ -2.41 (-0.12 %)
Net Assets (Cr)	₹91,041 on 31 Oct 25
Category	Equity - Multi Cap
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.44
Sharpe Ratio	0.39
Information Ratio	1.44
Alpha Ratio	3.93
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 Oct 20	₹10,000
31 Oct 21	₹17,467
31 Oct 22	₹19,915
31 Oct 23	₹22,855
31 Oct 24	₹32,913
31 Oct 25	₹36,269

HDFC Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹584,107.
Net Profit of ₹284,107 Invest Now

Returns for HDFC 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 27 Nov 25

Duration	Returns
1 Month	0.1%
3 Month	4.8%
6 Month	6.8%
1 Year	10.3%
3 Year	21.1%
5 Year	26.1%
10 Year
15 Year
Since launch	18.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23.5%
2023	30.6%
2022	18.3%
2021	36.2%
2020	6.4%
2019	6.8%
2018	-3.5%
2017	36.9%
2016	7.3%
2015	-5.1%

Fund Manager information for HDFC Equity Fund

Name	Since	Tenure
Roshi Jain	29 Jul 22	3.26 Yr.
Dhruv Muchhal	22 Jun 23	2.36 Yr.

Data below for HDFC Equity Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Financial Services	39.51%
Consumer Cyclical	15.78%
Health Care	8.26%
Basic Materials	5.93%
Technology	5.21%
Industrials	5.09%
Communication Services	2.63%
Real Estate	2.58%
Utility	2.42%
Energy	1.41%
Consumer Defensive	0.9%

Asset Allocation

Asset Class	Value
Cash	9.69%
Equity	89.74%
Debt	0.57%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	9%	₹8,206 Cr	61,000,000 ↑ 3,000,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 13 \| HDFCBANK	9%	₹7,800 Cr	79,000,000 ↑ 4,000,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 17 \| 532215	7%	₹6,657 Cr	54,000,000
State Bank of India (Financial Services) Equity, Since 31 Jan 03 \| SBIN	5%	₹4,123 Cr	44,000,000 ↑ 1,000,000
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 31 Mar 21 \| SBILIFE	4%	₹3,911 Cr	20,000,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Oct 23 \| KOTAKBANK	4%	₹3,826 Cr	18,200,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Dec 23 \| MARUTI	4%	₹3,237 Cr	2,000,000 ↓ -200,000
Cipla Ltd (Healthcare) Equity, Since 30 Sep 12 \| 500087	3%	₹3,153 Cr	21,000,000
HCL Technologies Ltd (Technology) Equity, Since 30 Sep 20 \| HCLTECH	3%	₹2,775 Cr	18,000,000 ↑ 300,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Aug 20 \| BHARTIARTL	2%	₹2,260 Cr	11,000,000

4. JM Multicap Fund

(Erstwhile JM Multi Strategy Fund)

The investment objective of the Scheme is to provide capital appreciation by investing in equity and equity related securities using a combination of strategies.

Research Highlights for JM Multicap Fund

Lower mid AUM (₹6,080 Cr).
Established history (17+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately High.
5Y return: 22.08% (upper mid).
3Y return: 20.66% (upper mid).
1Y return: -3.98% (bottom quartile).
Alpha: -10.27 (bottom quartile).
Sharpe: -0.64 (bottom quartile).
Information ratio: 0.89 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~5.5%).

Below is the key information for JM Multicap Fund

JM Multicap Fund Growth
Launch Date	23 Sep 08
NAV (27 Nov 25)	₹98.7894 ↓ -0.31 (-0.31 %)
Net Assets (Cr)	₹6,080 on 31 Oct 25
Category	Equity - Multi Cap
AMC	JM Financial Asset Management Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.84
Sharpe Ratio	-0.64
Information Ratio	0.89
Alpha Ratio	-10.27
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-60 Days (1%),60 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹16,602
31 Oct 22	₹17,570
31 Oct 23	₹21,650
31 Oct 24	₹33,523
31 Oct 25	₹31,781

JM Multicap 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 JM Multicap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Nov 25

Duration	Returns
1 Month	-1.3%
3 Month	2.4%
6 Month	2.4%
1 Year	-4%
3 Year	20.7%
5 Year	22.1%
10 Year
15 Year
Since launch	14.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	33.3%
2023	40%
2022	7.8%
2021	32.9%
2020	11.4%
2019	16.6%
2018	-5.4%
2017	39.5%
2016	10.5%
2015	-2.8%

Fund Manager information for JM Multicap Fund

Name	Since	Tenure
Satish Ramanathan	20 Aug 21	4.2 Yr.
Asit Bhandarkar	1 Oct 24	1.08 Yr.
Ruchi Fozdar	4 Oct 24	1.08 Yr.
Deepak Gupta	11 Apr 25	0.56 Yr.

Data below for JM Multicap Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Financial Services	31.75%
Consumer Cyclical	17.18%
Technology	15.53%
Industrials	12.95%
Health Care	7.22%
Consumer Defensive	5.35%
Communication Services	3.38%
Basic Materials	2.97%
Energy	1.77%
Real Estate	0.82%

Asset Allocation

Asset Class	Value
Cash	1.07%
Equity	98.92%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 21 \| ICICIBANK	6%	₹336 Cr	2,500,000 ↑ 300,000
State Bank of India (Financial Services) Equity, Since 30 Nov 20 \| SBIN	5%	₹310 Cr	3,305,000 ↑ 1,550,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 10 \| LT	5%	₹295 Cr	732,359 ↑ 232,359
Tech Mahindra Ltd (Technology) Equity, Since 31 Jul 24 \| 532755	4%	₹262 Cr	1,840,908 ↑ 400,000
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 23 \| HDFCBANK	4%	₹242 Cr	2,455,252 ↑ 100,000
Godfrey Phillips India Ltd (Consumer Defensive) Equity, Since 28 Feb 25 \| GODFRYPHLP	4%	₹242 Cr	785,118
One97 Communications Ltd (Technology) Equity, Since 31 May 25 \| 543396	4%	₹216 Cr	1,654,322
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 24 \| BHARTIARTL	3%	₹205 Cr	1,000,000 ↑ 60,000
Motilal Oswal Financial Services Ltd (Financial Services) Equity, Since 31 May 25 \| MOTILALOFS	2%	₹147 Cr	1,505,492
Eternal Ltd (Consumer Cyclical) Equity, Since 30 Nov 24 \| 543320	2%	₹142 Cr	4,470,323

5. ICICI Prudential Multicap Fund

To generate capital appreciation through investments in equity and equity related securities in core sectors and associated feeder industries.

Research Highlights for ICICI Prudential Multicap Fund

Upper mid AUM (₹16,067 Cr).
Oldest track record among peers (31 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 21.51% (lower mid).
3Y return: 19.31% (lower mid).
1Y return: 3.35% (upper mid).
Alpha: -2.69 (bottom quartile).
Sharpe: -0.23 (bottom quartile).
Information ratio: 0.24 (lower mid).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding Bharti Airtel Ltd (~4.0%).

Below is the key information for ICICI Prudential Multicap Fund

ICICI Prudential Multicap Fund Growth
Launch Date	1 Oct 94
NAV (27 Nov 25)	₹803.88 ↓ -1.01 (-0.13 %)
Net Assets (Cr)	₹16,067 on 31 Oct 25
Category	Equity - Multi Cap
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.75
Sharpe Ratio	-0.23
Information Ratio	0.24
Alpha Ratio	-2.69
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-18 Months (1%),18 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹16,885
31 Oct 22	₹17,378
31 Oct 23	₹20,371
31 Oct 24	₹29,374
31 Oct 25	₹30,034

ICICI Prudential Multicap 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 ICICI Prudential Multicap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Nov 25

Duration	Returns
1 Month	-0.6%
3 Month	2.4%
6 Month	2.6%
1 Year	3.4%
3 Year	19.3%
5 Year	21.5%
10 Year
15 Year
Since launch	15.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	20.7%
2023	35.4%
2022	4.7%
2021	36.4%
2020	9.2%
2019	6%
2018	0.2%
2017	28%
2016	10.1%
2015	3.1%

Fund Manager information for ICICI Prudential Multicap Fund

Name	Since	Tenure
Lalit Kumar	29 Sep 25	0.09 Yr.
Sharmila D’mello	31 Jul 22	3.26 Yr.

Data below for ICICI Prudential Multicap Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Basic Materials	23.44%
Industrials	19.8%
Financial Services	18.23%
Consumer Cyclical	13.71%
Communication Services	6.01%
Real Estate	5.78%
Health Care	5.58%
Consumer Defensive	1.77%
Technology	1.66%
Energy	1.13%
Utility	0.15%

Asset Allocation

Asset Class	Value
Cash	2.73%
Equity	97.25%
Debt	0.02%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 18 \| BHARTIARTL	4%	₹641 Cr	3,119,041
Vedanta Ltd (Basic Materials) Equity, Since 31 Aug 25 \| 500295	3%	₹511 Cr	10,352,245 ↑ 988,273
HDFC Bank Ltd (Financial Services) Equity, Since 31 Aug 18 \| HDFCBANK	3%	₹476 Cr	4,823,190
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Aug 25 \| 532538	3%	₹440 Cr	368,008 ↑ 70,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Dec 23 \| 532215	2%	₹385 Cr	3,122,359
BSE Ltd (Financial Services) Equity, Since 31 Aug 25 \| BSE	2%	₹327 Cr	1,320,724 ↑ 182,695
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Aug 25 \| INDIGO	2%	₹317 Cr	562,741
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 Aug 25 \| HAL	2%	₹302 Cr	645,553
PB Fintech Ltd (Financial Services) Equity, Since 31 Aug 25 \| 543390	2%	₹284 Cr	1,593,271 ↑ 273,538
Jindal Steel Ltd (Basic Materials) Equity, Since 31 Aug 25 \| 532286	2%	₹281 Cr	2,632,172 ↑ 1,250,504

6. Mahindra Badhat Yojana

The investment objective of the Scheme is to provide medium to long term capital appreciation through appropriate diversification and taking low risk on business quality. The diversified portfolio would predominantly consist of equity and equity related securities including derivatives. However, there can be no assurance that the investment objective of the Scheme will be achieved.

Research Highlights for Mahindra Badhat Yojana

Lower mid AUM (₹6,055 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 23.12% (upper mid).
3Y return: 19.29% (lower mid).
1Y return: 5.48% (top quartile).
Alpha: 0.43 (upper mid).
Sharpe: 0.00 (upper mid).
Information ratio: 0.13 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding Divi's Laboratories Ltd (~3.2%).

Below is the key information for Mahindra Badhat Yojana

Mahindra Badhat Yojana Growth
Launch Date	11 May 17
NAV (27 Nov 25)	₹36.3274 ↓ -0.08 (-0.23 %)
Net Assets (Cr)	₹6,055 on 31 Oct 25
Category	Equity - Multi Cap
AMC	Mahindra Asset Management Company Pvt. Ltd.
Rating	Not Rated
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	0
Information Ratio	0.13
Alpha Ratio	0.43
Min Investment	1,000
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 Oct 20	₹10,000
31 Oct 21	₹18,053
31 Oct 22	₹18,266
31 Oct 23	₹21,255
31 Oct 24	₹29,835
31 Oct 25	₹31,257

Mahindra Badhat Yojana SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623 Invest Now

Returns for Mahindra Badhat Yojana

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Nov 25

Duration	Returns
1 Month	0.3%
3 Month	4.5%
6 Month	6.3%
1 Year	5.5%
3 Year	19.3%
5 Year	23.1%
10 Year
15 Year
Since launch	16.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23.4%
2023	34.2%
2022	1.6%
2021	50.8%
2020	16.6%
2019	13.8%
2018	-9.9%
2017
2016
2015

Fund Manager information for Mahindra Badhat Yojana

Name	Since	Tenure
Manish Lodha	21 Dec 20	4.87 Yr.
Fatema Pacha	16 Oct 20	5.05 Yr.
Vishal Jajoo	3 Nov 25	0 Yr.

Data below for Mahindra Badhat Yojana as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Financial Services	27.73%
Health Care	15.66%
Industrials	15.4%
Consumer Cyclical	12.7%
Technology	8.04%
Basic Materials	7.97%
Communication Services	3.7%
Real Estate	2.27%
Energy	2.03%
Utility	1.19%

Asset Allocation

Asset Class	Value
Cash	1.99%
Equity	98.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Divi's Laboratories Ltd (Healthcare) Equity, Since 30 Apr 23 \| DIVISLAB	3%	₹192 Cr	285,000 ↓ -20,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 24 \| ICICIBANK	3%	₹189 Cr	1,403,000
Glenmark Pharmaceuticals Ltd (Healthcare) Equity, Since 30 Jun 25 \| 532296	3%	₹187 Cr	989,000
Indus Towers Ltd Ordinary Shares (Communication Services) Equity, Since 31 Jan 25 \| 534816	3%	₹163 Cr	4,490,000
Fortis Healthcare Ltd (Healthcare) Equity, Since 31 Jul 25 \| 532843	2%	₹150 Cr	1,465,000 ↑ 530,000
UltraTech Cement Ltd (Basic Materials) Equity, Since 28 Feb 25 \| 532538	2%	₹149 Cr	125,000
Angel One Ltd Ordinary Shares (Financial Services) Equity, Since 31 Oct 24 \| ANGELONE	2%	₹149 Cr	596,675 ↑ 192,675
Polycab India Ltd (Industrials) Equity, Since 31 Jul 25 \| POLYCAB	2%	₹149 Cr	193,000
State Bank of India (Financial Services) Equity, Since 31 Mar 25 \| SBIN	2%	₹146 Cr	1,555,000 ↑ 250,000
JSW Steel Ltd (Basic Materials) Equity, Since 30 Sep 25 \| JSWSTEEL	2%	₹145 Cr	1,198,239 ↑ 480,000

7. Aditya Birla Sun Life Manufacturing Equity Fund

The primary investment objective of the Schemes 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 Manufacturing activity. 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 Manufacturing Equity Fund

Bottom quartile AUM (₹1,115 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: High.
5Y return: 17.48% (bottom quartile).
3Y return: 19.21% (bottom quartile).
1Y return: 2.80% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.14 (lower mid).
Information ratio: 0.00 (bottom quartile).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Reliance Industries Ltd (~5.2%).

Below is the key information for Aditya Birla Sun Life Manufacturing Equity Fund

Aditya Birla Sun Life Manufacturing Equity Fund Growth
Launch Date	31 Jan 15
NAV (27 Nov 25)	₹33.36 ↓ -0.04 (-0.12 %)
Net Assets (Cr)	₹1,115 on 31 Oct 25
Category	Equity - Multi Cap
AMC	Birla Sun Life Asset Management Co Ltd
Rating	Not Rated
Risk	High
Expense Ratio	2.26
Sharpe Ratio	-0.14
Information Ratio	0
Alpha Ratio	0
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
31 Oct 20	₹10,000
31 Oct 21	₹14,633
31 Oct 22	₹14,523
31 Oct 23	₹16,211
31 Oct 24	₹24,207
31 Oct 25	₹24,655

Aditya Birla Sun Life Manufacturing Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 Invest Now

Returns for Aditya Birla Sun Life Manufacturing 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 27 Nov 25

Duration	Returns
1 Month	-1.1%
3 Month	5.9%
6 Month	7%
1 Year	2.8%
3 Year	19.2%
5 Year	17.5%
10 Year
15 Year
Since launch	11.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	25%
2023	32.5%
2022	-1.4%
2021	22.1%
2020	26.3%
2019	-4%
2018	-12.9%
2017	41.7%
2016	9.2%
2015

Fund Manager information for Aditya Birla Sun Life Manufacturing Equity Fund

Name	Since	Tenure
Harish Krishnan	3 Nov 23	2 Yr.

Data below for Aditya Birla Sun Life Manufacturing Equity Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	30.19%
Industrials	24.99%
Basic Materials	21.6%
Health Care	10.21%
Energy	5.24%
Consumer Defensive	4.57%
Technology	1.3%
Utility	0.75%

Asset Allocation

Asset Class	Value
Cash	1.16%
Equity	98.84%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reliance Industries Ltd (Energy) Equity, Since 31 Mar 19 \| RELIANCE	5%	₹58 Cr	392,938
Hindalco Industries Ltd (Basic Materials) Equity, Since 31 Mar 17 \| HINDALCO	5%	₹58 Cr	688,031
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 28 Feb 15 \| MARUTI	5%	₹53 Cr	32,584
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Nov 22 \| M&M	5%	₹52 Cr	150,000
Cummins India Ltd (Industrials) Equity, Since 28 Feb 15 \| 500480	4%	₹39 Cr	90,000 ↓ -17,954
Tata Steel Ltd (Basic Materials) Equity, Since 30 Jun 16 \| TATASTEEL	3%	₹35 Cr	1,902,669
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 30 Nov 22 \| SUNPHARMA	3%	₹32 Cr	190,238 ↑ 5,000
United Breweries Ltd (Consumer Defensive) Equity, Since 31 May 16 \| UBL	3%	₹30 Cr	167,179
Vedanta Ltd (Basic Materials) Equity, Since 31 Jul 24 \| 500295	3%	₹29 Cr	588,407
Bharat Electronics Ltd (Industrials) Equity, Since 28 Feb 15 \| BEL	3%	₹29 Cr	678,274

8. Bandhan Focused Equity Fund

The investment objective of the scheme is to seek to generate capital appreciation and/or provide income distribution from a portfolio of predominantly equity and equity related instruments. There is no assurance or guarantee that the objectives of the scheme will be realized.

Research Highlights for Bandhan Focused Equity Fund

Bottom quartile AUM (₹2,086 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 16.21% (bottom quartile).
3Y return: 18.48% (bottom quartile).
1Y return: 1.83% (lower mid).
Alpha: -0.06 (lower mid).
Sharpe: 0.00 (upper mid).
Information ratio: 0.40 (lower mid).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding Power Finance Corp Ltd (~7.9%).

Below is the key information for Bandhan Focused Equity Fund

Bandhan Focused Equity Fund Growth
Launch Date	16 Mar 06
NAV (27 Nov 25)	₹89.534 ↓ -0.06 (-0.07 %)
Net Assets (Cr)	₹2,086 on 31 Oct 25
Category	Equity - Multi Cap
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	2.1
Sharpe Ratio	0
Information Ratio	0.4
Alpha Ratio	-0.06
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
31 Oct 20	₹10,000
31 Oct 21	₹13,758
31 Oct 22	₹13,472
31 Oct 23	₹14,744
31 Oct 24	₹21,664
31 Oct 25	₹22,748

Bandhan Focused Equity 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 Bandhan Focused 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 27 Nov 25

Duration	Returns
1 Month	-0.8%
3 Month	3.8%
6 Month	6.1%
1 Year	1.8%
3 Year	18.5%
5 Year	16.2%
10 Year
15 Year
Since launch	11.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	30.3%
2023	31.3%
2022	-5%
2021	24.6%
2020	14.9%
2019	8.9%
2018	-12.7%
2017	54.4%
2016	1.8%
2015	-4.8%

Fund Manager information for Bandhan Focused Equity Fund

Name	Since	Tenure
Manish Gunwani	2 Dec 24	0.91 Yr.
Kirthi Jain	2 Dec 24	0.91 Yr.
Ritika Behera	7 Oct 23	2.07 Yr.
Gaurav Satra	7 Jun 24	1.4 Yr.
Rahul Agarwal	2 Dec 24	0.91 Yr.

Data below for Bandhan Focused Equity Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Financial Services	33.59%
Consumer Defensive	15.22%
Health Care	14.96%
Technology	9.79%
Real Estate	7.07%
Consumer Cyclical	4.27%
Industrials	3.69%
Basic Materials	3.06%
Energy	2.54%
Communication Services	2.26%
Utility	2.01%

Asset Allocation

Asset Class	Value
Cash	1.54%
Equity	98.46%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Power Finance Corp Ltd (Financial Services) Equity, Since 31 Mar 25 \| 532810	8%	₹165 Cr	4,092,723
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 19 \| HDFCBANK	6%	₹129 Cr	1,302,728
State Bank of India (Financial Services) Equity, Since 31 Jul 25 \| SBIN	6%	₹125 Cr	1,336,091 ↓ -389,846
LT Foods Ltd (Consumer Defensive) Equity, Since 30 Jun 25 \| 532783	6%	₹116 Cr	2,765,531 ↑ 915,205
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	5%	₹96 Cr	710,586
Prestige Estates Projects Ltd (Real Estate) Equity, Since 31 Jan 25 \| PRESTIGE	4%	₹92 Cr	524,887 ↓ -77,023
Tilaknagar Industries Ltd (Consumer Defensive) Equity, Since 31 Aug 25 \| TI	4%	₹88 Cr	1,662,932 ↑ 29,122
Jubilant Pharmova Ltd (Healthcare) Equity, Since 31 Jul 25 \| JUBLPHARMA	4%	₹88 Cr	794,914 ↑ 39,964
Glenmark Pharmaceuticals Ltd (Healthcare) Equity, Since 31 Dec 24 \| 532296	4%	₹84 Cr	442,894 ↑ 184,114
Cholamandalam Financial Holdings Ltd (Financial Services) Equity, Since 31 May 25 \| CHOLAHLDNG	4%	₹81 Cr	422,419 ↑ 8,072

9. Baroda Pioneer Multi Cap Fund

(Erstwhile Baroda Pioneer Growth Fund)

To generate long term capital appreciation from an actively managed portfolio of equity & equity related instruments.

Research Highlights for Baroda Pioneer Multi Cap Fund

Bottom quartile AUM (₹3,108 Cr).
Established history (22+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 21.10% (lower mid).
3Y return: 18.44% (bottom quartile).
1Y return: 0.08% (bottom quartile).
Alpha: -3.46 (bottom quartile).
Sharpe: -0.23 (bottom quartile).
Information ratio: -0.01 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~4.0%).

Below is the key information for Baroda Pioneer Multi Cap Fund

Baroda Pioneer Multi Cap Fund Growth
Launch Date	12 Sep 03
NAV (27 Nov 25)	₹292.175 ↓ -0.92 (-0.31 %)
Net Assets (Cr)	₹3,108 on 31 Oct 25
Category	Equity - Multi Cap
AMC	Baroda Pioneer Asset Management Co. Ltd.
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2
Sharpe Ratio	-0.23
Information Ratio	-0.01
Alpha Ratio	-3.46
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹17,578
31 Oct 22	₹17,437
31 Oct 23	₹19,579
31 Oct 24	₹29,166
31 Oct 25	₹29,393

Baroda Pioneer Multi Cap 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 Baroda Pioneer Multi Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Nov 25

Duration	Returns
1 Month	-0.1%
3 Month	2.9%
6 Month	5.7%
1 Year	0.1%
3 Year	18.4%
5 Year	21.1%
10 Year
15 Year
Since launch	16.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	31.7%
2023	30.8%
2022	-3%
2021	47.9%
2020	19.5%
2019	8.9%
2018	-11.9%
2017	36.8%
2016	2.3%
2015	-1.6%

Fund Manager information for Baroda Pioneer Multi Cap Fund

Name	Since	Tenure
Sanjay Chawla	1 Nov 15	10.01 Yr.
Sandeep Jain	14 Mar 22	3.64 Yr.

Data below for Baroda Pioneer Multi Cap Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Financial Services	26.93%
Consumer Cyclical	19.39%
Industrials	10.76%
Technology	10.03%
Basic Materials	8.63%
Health Care	7.92%
Consumer Defensive	4.79%
Energy	3.2%
Communication Services	1.75%
Real Estate	1.49%
Utility	1.26%

Asset Allocation

Asset Class	Value
Cash	3.83%
Equity	96.15%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jan 17 \| HDFCBANK	4%	₹125 Cr	1,269,472
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jan 17 \| ICICIBANK	4%	₹112 Cr	834,815
Reliance Industries Ltd (Energy) Equity, Since 31 Oct 21 \| RELIANCE	3%	₹100 Cr	670,000
Radico Khaitan Ltd (Consumer Defensive) Equity, Since 30 Sep 20 \| RADICO	3%	₹82 Cr	261,003
One97 Communications Ltd (Technology) Equity, Since 31 May 25 \| 543396	3%	₹78 Cr	600,000
TVS Motor Co Ltd (Consumer Cyclical) Equity, Since 30 Sep 23 \| 532343	2%	₹70 Cr	200,000
Navin Fluorine International Ltd (Basic Materials) Equity, Since 30 Jun 24 \| NAVINFLUOR	2%	₹68 Cr	120,000 ↑ 14,600
Karur Vysya Bank Ltd (Financial Services) Equity, Since 31 Jan 25 \| 590003	2%	₹67 Cr	2,736,000
Sagility Ltd (Healthcare) Equity, Since 30 Nov 24 \| SAGILITY	2%	₹66 Cr	12,600,000
Titan Co Ltd (Consumer Cyclical) Equity, Since 31 May 25 \| TITAN	2%	₹60 Cr	160,000

ఆన్‌లైన్‌లో డైవర్సిఫైడ్ ఫండ్స్‌లో ఇన్వెస్ట్ చేయడం ఎలా?

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ప్రారంభించడానికి

ఉత్తమ డైవర్సిఫైడ్ మ్యూచువల్ ఫండ్‌లను ఎంచుకోవడానికి స్మార్ట్ చిట్కాలు

ఒక ఆదర్శమైన డైవర్సిఫైడ్ ఫండ్ క్రింద పేర్కొన్న పారామితుల ద్వారా పాస్ చేయాలి:

1. ఒకే కేటగిరీలోని డైవర్సిఫైడ్ ఫండ్స్‌లో రాబడిని సరిపోల్చండి

బెంచ్‌మార్కింగ్ యొక్క అత్యంత ప్రాథమిక రూపాలలో ఒక ఫండ్‌ను సారూప్య వర్గంలో పోల్చడం ఉంటుంది. మూల్యాంకనం చేసినప్పుడు aలార్జ్ క్యాప్ ఫండ్, మీరు దాని రాబడిని ఇతర సరిపోలే లార్జ్ క్యాప్ డైవర్సిఫైడ్ ఈక్విటీ ఫండ్‌లతో పోల్చాలి. మిడ్-క్యాప్ డైవర్సిఫైడ్ ఈక్విటీ ఫండ్స్‌తో పోల్చడం వలన లార్జ్ క్యాప్ & రెండింటి మధ్య రిస్క్ మరియు రివార్డ్ రిలేషన్ కారణంగా ఖచ్చితమైన ఫలితం ఉండదు.మిడ్ క్యాప్ ఫండ్స్ పోల్చదగినవి కావు. డైవర్సిఫైడ్ ఫండ్స్, అదే విధంగా మార్కెట్ క్యాప్‌లలో పెట్టుబడి పెడుతుంది కాబట్టి వాటిని ఒకే విధమైన ఆదేశంతో ఫండ్‌లతో పోల్చాలి.

అదనపుకారకం డైవర్సిఫైడ్ ఫండ్‌ను మూల్యాంకనం చేయడంలో కాలపరిమితి ఉంటుంది. ఈక్విటీలు ఎక్కువ సమయం ఫ్రేమ్‌లలో (5 సంవత్సరాల కంటే ఎక్కువ) రాబడిని అందించడానికి అమర్చబడి ఉంటాయి కాబట్టి, డైవర్సిఫైడ్ ఫండ్‌లలో పెట్టుబడులు దీర్ఘకాలిక కాలానికి చేయాలి. సుదీర్ఘ కాల వ్యవధిలో విభిన్నమైన ఫండ్‌ను మూల్యాంకనం చేయడం బూమ్ అండ్ బస్ట్ సైకిల్ సమయంలో దాని పనితీరును అంచనా వేయడానికి మీకు సహాయం చేస్తుంది. పెట్టుబడిదారులు వర్గ సగటుతో పాటు వివిధ మార్కెట్ దశలలో దాని పనితీరును సమీక్షించడం ద్వారా డైవర్సిఫైడ్ ఫండ్ యొక్క రాబడి యొక్క స్థిరత్వాన్ని విశ్లేషించవచ్చు. ఇలా చెప్పిన తరువాత, సరైన పీర్ గ్రూప్‌ను ఏర్పాటు చేయడం ముఖ్యం, ఇది ఏర్పరుస్తుందిఆధారంగా రాబడి కోసం పోలిక, అస్థిరత మరియు తద్వారా తుది నిధుల ఎంపికలో సహాయపడుతుంది.

2. బెంచ్‌మార్క్ ఇండెక్స్‌కు వ్యతిరేకంగా డైవర్సిఫైడ్ ఫండ్ రిటర్న్‌లను తనిఖీ చేయండి

ప్రతి డైవర్సిఫైడ్ ఫండ్ దాని ఆఫర్ డాక్యుమెంట్‌లో బెంచ్‌మార్క్ ఇండెక్స్‌ను పేర్కొనడం తప్పనిసరి. ఈ బెంచ్‌మార్క్ ఇండెక్స్ డైవర్సిఫైడ్ ఫండ్ బాగా పనిచేసినట్లయితే నిర్ధారించడానికి సూచిక. డైవర్సిఫైడ్ ఫండ్ యొక్క పనితీరును మూల్యాంకనం చేస్తున్నప్పుడు, పెట్టుబడిదారులు 3 సంవత్సరాలు, 5 సంవత్సరాలు లేదా 10 సంవత్సరాల సుదీర్ఘ కాల చక్రాలను పరిగణనలోకి తీసుకోవాలి. తమ బెంచ్‌మార్క్ సూచికలను నిరంతరం అధిగమించే ఫండ్‌లను పెట్టుబడి కోసం పరిగణించాలి.

3. ఫండ్ యొక్క స్థిరత్వాన్ని తూకం వేయండి

బెంచ్‌మార్క్ ఇండెక్స్ మూల్యాంకనం కాకుండా, పెట్టుబడిదారులు ఫండ్ యొక్క చారిత్రక పనితీరును కూడా అంచనా వేయాలి. దీర్ఘకాలంలో, మార్కెట్ తిరోగమనం సమయంలో మరియు వాటి బెంచ్‌మార్క్ సూచీలు మరియు కేటగిరీ సగటు కంటే కూడా చాలా వైవిధ్యభరితమైన ఫండ్స్ పడిపోతాయి. కొంతమంది మాత్రమే అన్ని మార్కెట్ పరిస్థితులలో తమ పనితీరును నిలబెట్టుకుంటారు. అప్‌టర్న్‌లు మరియు డౌన్‌టర్న్‌లలో బాగా పనిచేసే ఫండ్‌ను ఎంచుకోవడం చాలా ముఖ్యం, లేకుంటే మీరు బాగా పని చేసే ఫండ్‌తో ముగుస్తుంది, కానీ అన్ని రాబడులు తిరోగమనంలో తుడిచిపెట్టుకుపోతాయని తర్వాత చూడడానికి మాత్రమే.పెట్టుబడిదారుడు వారు తమ పోర్ట్‌ఫోలియోలో అత్యంత స్థిరమైన ప్రదర్శనకారులను చేర్చారని నిర్ధారించుకోవాలి.

4. ఫండ్‌లోని ప్రమాదాల గురించి తెలుసుకోండి

పెట్టుబడి పెట్టడానికి ముందు, డైవర్సిఫైడ్ ఫండ్ యొక్క రిస్క్-రిటర్న్ విశ్లేషణ చేయాలి. అలా చేయడానికి, మీరు కొన్ని ముఖ్యమైన నిష్పత్తులను చూడాలి, అవి:

a. ఆల్ఫా

ఆల్ఫా రిస్క్-సర్దుబాటు ఆధారంగా డైవర్సిఫైడ్ ఫండ్ పనితీరు యొక్క కొలమానం. ఇది రిస్క్ అడ్జస్ట్డ్ ప్రాతిపదికన సాధారణ మార్కెట్‌లో ఫండ్ లేదా స్టాక్ ఎంత పనితీరును కనబరుస్తుంది. 1 యొక్క సానుకూల ఆల్ఫా అంటే ఫండ్ దాని బెంచ్‌మార్క్ ఇండెక్స్‌ను 1% అధిగమించిందని అర్థం, అయితే ప్రతికూల ఆల్ఫా -1 ఫండ్ దాని మార్కెట్ బెంచ్‌మార్క్ కంటే 1% తక్కువ రాబడిని అందించిందని సూచిస్తుంది. కాబట్టి, ప్రాథమికంగా, సానుకూల ఆల్ఫాతో సెక్యూరిటీలు లేదా మ్యూచువల్ ఫండ్‌లను కొనుగోలు చేయడం పెట్టుబడిదారుడి వ్యూహం.

బి. బీటా

బీటా దాని బెంచ్‌మార్క్ ఇండెక్స్‌తో పోలిస్తే డైవర్సిఫైడ్ ఫండ్ యొక్క అస్థిరతను కొలుస్తుంది. బీటా సానుకూల లేదా ప్రతికూల సంఖ్యలలో సూచించబడుతుంది. 1 బీటా అంటే స్టాక్ ధర లేదా మ్యూచువల్ ఫండ్కాదు మార్కెట్‌కు అనుగుణంగా కదులుతుంది. 1 కంటే ఎక్కువ బీటా స్టాక్ మార్కెట్ కంటే ప్రమాదకరమని సూచిస్తుంది మరియు 1 కంటే తక్కువ బీటా అంటే స్టాక్ మార్కెట్ కంటే తక్కువ ప్రమాదకరమని అర్థం. కాబట్టి, పడిపోతున్న మార్కెట్‌లో తక్కువ బీటా ఉత్తమం. పెరుగుతున్న మార్కెట్‌లో, అధిక-బీటా ఉత్తమం.

సి. ప్రామాణిక విచలనం (SD)

SD అనేది ఫండ్‌లో అస్థిరత లేదా ప్రమాదాన్ని సూచించే గణాంక కొలత. SD ఎక్కువగా ఉంటే, రాబడిలో హెచ్చుతగ్గులు ఎక్కువగా ఉంటాయి. ఆదర్శవంతంగా, పెట్టుబడిదారులు తక్కువ నిధుల కోసం చూస్తారుప్రామాణిక విచలనం.

డి. పదునైన నిష్పత్తి (SR)

పదునైన నిష్పత్తి తీసుకున్న రిస్క్‌కు సంబంధించి రిటర్న్‌లను (నెగటివ్ & పాజిటివ్ రెండూ) కొలుస్తుంది. ఇక్కడ ప్రమాదం ప్రామాణిక విచలనం ద్వారా నిర్వచించబడింది. అధిక షార్ప్ రేషియో అంటే, ఎక్కువ రిస్క్ లేకుండా అధిక రాబడి. అందువల్ల, పెట్టుబడి పెట్టేటప్పుడు, పెట్టుబడిదారులు అధిక షార్ప్ రేషియోను చూపించే డైవర్సిఫైడ్ ఫండ్‌ను ఎంచుకోవాలి. మళ్లీ, పెట్టుబడిదారుడు అత్యంత స్థిరమైన ప్రదర్శనకారులను ఎంచుకోవడానికి చారిత్రక ప్రాతిపదికన డైవర్సిఫైడ్ ఫండ్ యొక్క SD మరియు SRలను మూల్యాంకనం చేయడం మంచిది.

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ఇక్కడ అందించిన సమాచారం ఖచ్చితమైనదని నిర్ధారించడానికి అన్ని ప్రయత్నాలు చేయబడ్డాయి. అయినప్పటికీ, డేటా యొక్క ఖచ్చితత్వానికి సంబంధించి ఎటువంటి హామీలు ఇవ్వబడవు. దయచేసి ఏదైనా పెట్టుబడి పెట్టే ముందు పథకం సమాచార పత్రంతో ధృవీకరించండి.