మ్యూచువల్ ఫండ్ vs FD (ఫిక్సెడ్ డిపాజిట్)

Updated on January 5, 2026 , 13866 views

మ్యూచువల్ ఫండ్ vsఎఫ్ డి? డబ్బు ఆదా చేయడం గురించి ఆలోచిస్తున్నప్పుడు, చాలా మంది ప్రజలు చేసే మొదటి విషయంపెట్టుబడి పెడుతున్నారు ఫిక్స్‌డ్ డిపాజిట్లలో (FDలు). ఇది సాధారణంగా అర్థం చేసుకోవడం సులభం మరియు తరాల నుండి జరుగుతోంది. అయితే ఇది అత్యంత సరైన పెట్టుబడినా? మరియు ఇది ఉత్తమ రాబడిని అందజేస్తుందా? లేదా మ్యూచువల్ ఫండ్ పెట్టుబడులు ప్రయోజనాన్ని మెరుగ్గా అందిస్తాయా? ఈ ప్రశ్నలకు సమాధానాలు తెలుసుకోవడానికి, క్రింద చదవండి!

FD లేదా ఫిక్సెడ్ డిపాజిట్

ఫిక్సెడ్ డిపాజిట్, ఎఫ్‌డి అని కూడా పిలుస్తారుబ్యాంక్ దీర్ఘకాలిక మరియు స్వల్పకాలిక పెట్టుబడులకు తగిన పెట్టుబడి ఎంపిక. FD వడ్డీ రేటు భారత ప్రభుత్వం ముందుగా నిర్ణయించినందున FD రిటర్న్‌లు నిర్ణయించబడతాయి. ఫిక్స్‌డ్ డిపాజిట్లపై వడ్డీ రేటు స్థిరంగా ఉంది, దీని ప్రభావం ఉండదుద్రవ్యోల్బణం ఈ పెట్టుబడులపై.

అలాగే, FD రిటర్న్‌లు పెట్టుబడిదారుల చేతుల్లో పన్ను విధించబడతాయి. అయితే, FD పెట్టుబడులు కింద పన్ను మినహాయింపులకు బాధ్యత వహిస్తాయిసెక్షన్ 80C యొక్కఆదాయ పన్ను చట్టం

మ్యూచువల్ ఫండ్స్

మ్యూచువల్ ఫండ్ మూడు రకాలు, డెట్, ఈక్విటీ మరియు బ్యాలెన్స్‌డ్మ్యూచువల్ ఫండ్స్.డెట్ మ్యూచువల్ ఫండ్ ప్రభుత్వంలో చాలా ఆస్తులను పెట్టుబడి పెట్టేవిబాండ్లు, కార్పొరేట్ బాండ్‌లు మరియు మిగిలినవి ఈక్విటీ మార్కెట్‌లలో. దీనికి విరుద్ధంగా, ఈక్విటీ మ్యూచువల్ ఫండ్‌లు దాని ఆస్తులలో 65% కంటే ఎక్కువ ఈక్విటీ మార్కెట్‌లలో మరియు మిగిలిన మొత్తాన్ని ప్రభుత్వ బాండ్‌లు, కార్పొరేట్ బాండ్‌లు మరియు సెక్యూరిటీలలో పెట్టుబడి పెడతాయి. బ్యాలెన్స్‌డ్ మ్యూచువల్ ఫండ్స్ అంటే పాక్షికంగా అప్పులో మరియు పాక్షికంగా పెట్టుబడి పెట్టేవిఈక్విటీ ఫండ్స్. మ్యూచువల్ ఫండ్ అనేది ద్రవ్యోల్బణాన్ని అధిగమించే సాధనం, కాబట్టి ఇది మరింత పన్ను సమర్ధవంతంగా ఉంటుంది మరియు దీర్ఘకాలిక పెట్టుబడులపై మెరుగైన రాబడిని అందిస్తుందని భావిస్తున్నారు.

ఏది మంచి దీర్ఘకాలిక పెట్టుబడి?

మ్యూచువల్ ఫండ్స్ మరియు ఫిక్సెడ్ డిపాజిట్లు (FDలు) రెండూ అని ఇప్పుడు మనకు తెలుసుపన్ను ఆదా పెట్టుబడులు, తలెత్తే ప్రశ్న ఏమిటంటే - ఎక్కడ పెట్టుబడి పెట్టాలి? ఇది ఆత్మాశ్రయ ప్రశ్న అయినప్పటికీ, దానికి సమాధానం వ్యక్తికి వ్యక్తికి మారవచ్చు, మీరు ఉత్తమంగా ఎంచుకోవడానికి సహాయపడే వివిధ పారామితుల ఆధారంగా పేర్కొనబడిన పోలిక క్రింద ఉంది.

1. మ్యూచువల్ ఫండ్ రిటర్న్స్ & FD రిటర్న్స్

ఫిక్స్‌డ్ డిపాజిట్‌పై రాబడులు ముందుగా పేర్కొనబడ్డాయి మరియు పదవీకాలం అంతటా మారవు. మ్యూచువల్ ఫండ్స్, ఫైనాన్షియల్‌తో లింక్ చేయబడుతున్నాయిసంత, దీర్ఘకాలిక పెట్టుబడులపై మెరుగైన రాబడిని అందిస్తాయి.

2. FD వడ్డీ రేట్లు & మ్యూచువల్ ఫండ్ రిటర్న్స్

FDలపై వడ్డీ రేటు FD రకం లేదా FD వ్యవధిని బట్టి నిర్ణయించబడుతుంది, కాబట్టి ఫిక్స్‌డ్ డిపాజిట్లపై అధిక వడ్డీ రేట్లను ఆశించలేరు. మరోవైపు, వివిధ రకాల ఫండ్‌లు అస్థిరమైన రాబడిని అందిస్తాయి కాబట్టి మ్యూచువల్ ఫండ్‌లపై రాబడి మారుతూ ఉంటుంది. మార్కెట్ ఎక్కువగా ఉంటే రాబడులు పెరుగుతాయి మరియు దీనికి విరుద్ధంగా.

3. ప్రమాద కారకాలు

రాబడులు ముందుగా నిర్ణయించబడినందున ఫిక్స్‌డ్ డిపాజిట్లు ఎటువంటి ప్రమాదాన్ని కలిగి ఉండవు. అలాగే, బ్యాంక్ బస్ట్ చేయబడితే, అన్ని బ్యాంక్ ఖాతాలు INR 1 లక్ష వరకు బీమా చేయబడతాయి. మరోవైపు, మ్యూచువల్ ఫండ్‌లు తమ ఆస్తులను ఫైనాన్షియల్ మార్కెట్‌లో పెట్టుబడి పెట్టడం వల్ల ఎక్కువ రిస్క్ ఉంటుంది. ఈక్విటీ మ్యూచువల్ ఫండ్‌లు, ఈక్విటీ మార్కెట్‌లలో చాలా వరకు ఆస్తులు పెట్టుబడి పెట్టడం వల్ల చాలా ఎక్కువ రిస్క్ ఉంటుంది. డెట్ మ్యూచువల్ ఫండ్స్‌లో పెట్టుబడి పెట్టడం తక్కువ ప్రమాదకరం, ఎందుకంటే ఈ ఫండ్‌లలో చాలా తక్కువ భాగం స్టాక్ మార్కెట్‌లో పెట్టుబడి పెట్టబడుతుంది.

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4. ద్రవ్యోల్బణం ప్రభావం

వడ్డీ రేటు ముందుగా నిర్ణయించినందున, ఫిక్స్‌డ్ డిపాజిట్లపై ద్రవ్యోల్బణం ప్రభావం ఉండదు. అయితే, మ్యూచువల్ ఫండ్‌ల కోసం, రాబడులు ద్రవ్యోల్బణం-సర్దుబాటులో ఉంటాయి, ఇది మెరుగైన రాబడిని సంపాదించే సామర్థ్యాన్ని పెంచుతుంది.

5. మూలధన లాభాలు

లేవురాజధాని FDల విషయంలో లాభాలు సాధ్యమవుతాయి. మ్యూచువల్ ఫండ్స్ కోసం,మూలధన లాభాలు హోల్డింగ్ వ్యవధిపై ఆధారపడి ఉంటుంది. వివిధ మ్యూచువల్ ఫండ్‌లు విభిన్న మూలధన లాభాలను అందిస్తాయి.

6. లిక్విడిటీ

ఫిక్స్‌డ్ డిపాజిట్లు ఉంటాయిలిక్విడ్, పెట్టుబడి పెట్టిన మొత్తం కొంత సమయం వరకు లాక్ చేయబడి ఉంటుంది. ఆ వ్యవధిలోపు డబ్బును విత్‌డ్రా చేస్తే, కొంత పెనాల్టీ తీసివేయబడుతుంది. మ్యూచువల్ ఫండ్‌లు లిక్విడ్‌గా ఉంటాయి కాబట్టి అవి ఎక్కువ కారణం లేకుండా తక్కువ వ్యవధిలో విక్రయించబడతాయితరుగుదల ఫండ్ విలువలో. అయితే, కొన్ని మ్యూచువల్ ఫండ్‌లను విక్రయించేటప్పుడు వర్తించే ఎగ్జిట్ లోడ్‌లను తనిఖీ చేయడం ముఖ్యం.

7. పన్ను విధింపు

ఫిక్స్‌డ్ డిపాజిట్‌పై వడ్డీ వ్యక్తి యొక్క పన్ను స్లాబ్ ప్రకారం పన్ను విధించబడుతుంది. మరోవైపు,మ్యూచువల్ ఫండ్ పన్ను ప్రధానంగా హోల్డింగ్ వ్యవధిపై ఆధారపడి ఉంటుంది. షార్ట్ టర్మ్ క్యాపిటల్ గెయిన్స్ (STCG) మరియు లాంగ్ టర్మ్ క్యాపిటల్ గెయిన్స్ (LTCG) రెండూ వేర్వేరుగా పన్ను విధించబడతాయి.

8. పన్ను ఆదా FD యొక్క V/S ఈక్విటీ లింక్డ్ సేవింగ్ స్కీమ్‌లు (ELSS)

IT చట్టంలోని సెక్షన్ 80c కింద పన్ను ఆదా ప్రయోజనం కోసం FDలను పరిశీలిస్తున్న పెట్టుబడిదారుల కోసం. (5 సంవత్సరాల లాక్కిన్)ELSS మ్యూచువల్ ఫండ్‌లు 3 సంవత్సరాల లాక్-ఇన్‌ను కలిగి ఉన్నందున మంచి ప్రత్యామ్నాయం మరియు చారిత్రాత్మకంగా మెరుగైన రాబడిని అందిస్తున్నాయి.

ఏది బెటర్ ఇన్వెస్ట్‌మెంట్ ప్లాన్?

క్లుప్తంగా చూద్దాం:

పరామితి	మ్యూచువల్ ఫండ్	స్థిర నిధి
రాబడి రేటు	హామీ ఇవ్వబడిన రిటర్న్‌లు లేవు	స్థిర రిటర్న్స్
ద్రవ్యోల్బణం సర్దుబాటు చేసిన రాబడులు	అధిక ద్రవ్యోల్బణం సర్దుబాటు చేసిన రాబడులకు సంభావ్యత	సాధారణంగా తక్కువ ద్రవ్యోల్బణం సర్దుబాటు చేసిన రాబడులు
ప్రమాదం	మీడియం నుండి హై రిస్క్	తక్కువ ప్రమాదం
ద్రవ్యత	ద్రవం	ద్రవం
అకాల ఉపసంహరణ	ఎగ్జిట్ లోడ్/ లోడ్ లేకుండా అనుమతించబడుతుంది	పెనాల్టీతో అనుమతించబడింది
పెట్టుబడి ఖర్చు	నిర్వహణ ఖర్చు/వ్యయ నిష్పత్తి	ఖర్చు లేదు
పన్ను స్థితి	అనుకూలమైన పన్ను స్థితి	పన్ను స్లాబ్ ప్రకారం

2022లో పెట్టుబడి పెట్టడానికి ఉత్తమ మ్యూచువల్ ఫండ్‌లు

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
ICICI Prudential Infrastructure Fund Growth	₹198.7 ↓ -0.91	₹8,160	1.2	-0.1	7.7	25.4	29.4	6.7
SBI PSU Fund Growth	₹34.4906 ↓ -0.11	₹5,763	5.5	6.4	13.9	29.2	28.9	11.3
Invesco India PSU Equity Fund Growth	₹67.21 ↓ -0.16	₹1,445	4.3	2.4	13.9	29.6	27.1	10.3
Motilal Oswal Midcap 30 Fund Growth	₹99.9437 ↑ 0.82	₹38,003	-3.5	-3.5	-9.9	26.1	27	-12.1
HDFC Infrastructure Fund Growth	₹47.911 ↓ -0.10	₹2,514	-0.2	-0.7	4.1	25.8	26.8	2.2
DSP India T.I.G.E.R Fund Growth	₹318.717 ↓ -0.03	₹5,419	1.2	-0.5	-0.5	24.7	26.4	-2.5
Nippon India Power and Infra Fund Growth	₹349.558 ↓ -0.40	₹7,301	-0.1	-1.2	1.7	26.3	26.3	-0.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Jan 26

Research Highlights & Commentary of 7 Funds showcased

Commentary	ICICI Prudential Infrastructure Fund	SBI PSU Fund	Invesco India PSU Equity Fund	Motilal Oswal Midcap 30 Fund	HDFC Infrastructure Fund	DSP India T.I.G.E.R Fund	Nippon India Power and Infra Fund
Point 1	Upper mid AUM (₹8,160 Cr).	Lower mid AUM (₹5,763 Cr).	Bottom quartile AUM (₹1,445 Cr).	Highest AUM (₹38,003 Cr).	Bottom quartile AUM (₹2,514 Cr).	Lower mid AUM (₹5,419 Cr).	Upper mid AUM (₹7,301 Cr).
Point 2	Established history (20+ yrs).	Established history (15+ yrs).	Established history (16+ yrs).	Established history (11+ yrs).	Established history (17+ yrs).	Oldest track record among peers (21 yrs).	Established history (21+ yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Top rated.	Rating: 4★ (upper mid).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 29.45% (top quartile).	5Y return: 28.90% (upper mid).	5Y return: 27.10% (upper mid).	5Y return: 27.04% (lower mid).	5Y return: 26.78% (lower mid).	5Y return: 26.36% (bottom quartile).	5Y return: 26.33% (bottom quartile).
Point 6	3Y return: 25.39% (bottom quartile).	3Y return: 29.19% (upper mid).	3Y return: 29.59% (top quartile).	3Y return: 26.06% (lower mid).	3Y return: 25.82% (lower mid).	3Y return: 24.68% (bottom quartile).	3Y return: 26.28% (upper mid).
Point 7	1Y return: 7.66% (upper mid).	1Y return: 13.94% (top quartile).	1Y return: 13.90% (upper mid).	1Y return: -9.86% (bottom quartile).	1Y return: 4.15% (lower mid).	1Y return: -0.46% (bottom quartile).	1Y return: 1.74% (lower mid).
Point 8	Alpha: 0.00 (top quartile).	Alpha: -0.83 (lower mid).	Alpha: -0.45 (lower mid).	Alpha: -11.47 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (upper mid).	Alpha: -12.90 (bottom quartile).
Point 9	Sharpe: 0.00 (upper mid).	Sharpe: 0.03 (upper mid).	Sharpe: 0.06 (top quartile).	Sharpe: -0.40 (bottom quartile).	Sharpe: -0.15 (lower mid).	Sharpe: -0.39 (bottom quartile).	Sharpe: -0.26 (lower mid).
Point 10	Information ratio: 0.00 (upper mid).	Information ratio: -0.53 (bottom quartile).	Information ratio: -0.49 (bottom quartile).	Information ratio: 0.21 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.42 (top quartile).

ICICI Prudential Infrastructure Fund

Upper mid AUM (₹8,160 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 29.45% (top quartile).
3Y return: 25.39% (bottom quartile).
1Y return: 7.66% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 0.00 (upper mid).
Information ratio: 0.00 (upper mid).

SBI PSU Fund

Lower mid AUM (₹5,763 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 28.90% (upper mid).
3Y return: 29.19% (upper mid).
1Y return: 13.94% (top quartile).
Alpha: -0.83 (lower mid).
Sharpe: 0.03 (upper mid).
Information ratio: -0.53 (bottom quartile).

Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,445 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 27.10% (upper mid).
3Y return: 29.59% (top quartile).
1Y return: 13.90% (upper mid).
Alpha: -0.45 (lower mid).
Sharpe: 0.06 (top quartile).
Information ratio: -0.49 (bottom quartile).

Motilal Oswal Midcap 30 Fund

Highest AUM (₹38,003 Cr).
Established history (11+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 27.04% (lower mid).
3Y return: 26.06% (lower mid).
1Y return: -9.86% (bottom quartile).
Alpha: -11.47 (bottom quartile).
Sharpe: -0.40 (bottom quartile).
Information ratio: 0.21 (upper mid).

HDFC Infrastructure Fund

Bottom quartile AUM (₹2,514 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 26.78% (lower mid).
3Y return: 25.82% (lower mid).
1Y return: 4.15% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.15 (lower mid).
Information ratio: 0.00 (lower mid).

DSP India T.I.G.E.R Fund

Lower mid AUM (₹5,419 Cr).
Oldest track record among peers (21 yrs).
Top rated.
Risk profile: High.
5Y return: 26.36% (bottom quartile).
3Y return: 24.68% (bottom quartile).
1Y return: -0.46% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.39 (bottom quartile).
Information ratio: 0.00 (lower mid).

Nippon India Power and Infra Fund

Upper mid AUM (₹7,301 Cr).
Established history (21+ yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 26.33% (bottom quartile).
3Y return: 26.28% (upper mid).
1Y return: 1.74% (lower mid).
Alpha: -12.90 (bottom quartile).
Sharpe: -0.26 (lower mid).
Information ratio: 0.42 (top quartile).

* క్రింద 7 జాబితా ఉందిఉత్తమ మ్యూచువల్ ఫండ్స్ నికర ఆస్తులు/AUM కంటే ఎక్కువ100 కోట్లు. 5 సంవత్సరాలలో క్రమబద్ధీకరించబడిందిCAGR/ వార్షికంగా తిరిగి వస్తుంది.

1. 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 (₹8,160 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 29.45% (top quartile).
3Y return: 25.39% (bottom quartile).
1Y return: 7.66% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 0.00 (upper mid).
Information ratio: 0.00 (upper mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
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 (07 Jan 26)	₹198.7 ↓ -0.91 (-0.46 %)
Net Assets (Cr)	₹8,160 on 30 Nov 25
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0
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 Dec 20	₹10,000
31 Dec 21	₹15,007
31 Dec 22	₹19,333
31 Dec 23	₹27,952
31 Dec 24	₹35,602
31 Dec 25	₹38,004

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 7 Jan 26

Duration	Returns
1 Month	1.4%
3 Month	1.2%
6 Month	-0.1%
1 Year	7.7%
3 Year	25.4%
5 Year	29.4%
10 Year
15 Year
Since launch	15.8%

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	8.5 Yr.
Sharmila D’mello	30 Jun 22	3.42 Yr.

Data below for ICICI Prudential Infrastructure Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Industrials	40.39%
Financial Services	14.64%
Basic Materials	12.34%
Utility	10.24%
Energy	9.18%
Real Estate	3.73%
Consumer Cyclical	2.03%
Communication Services	1.47%

Asset Allocation

Asset Class	Value
Cash	5.66%
Equity	94.34%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 09 \| LT	9%	₹715 Cr	1,755,704 ↓ -87,500
NTPC Ltd (Utilities) Equity, Since 29 Feb 16 \| NTPC	4%	₹358 Cr	10,976,448
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 May 24 \| ADANIPORTS	3%	₹281 Cr	1,854,934
AIA Engineering Ltd (Industrials) Equity, Since 28 Feb 21 \| AIAENG	3%	₹259 Cr	669,751 ↓ -32,202
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 23 \| RELIANCE	3%	₹240 Cr	1,529,725 ↓ -250,000
Vedanta Ltd (Basic Materials) Equity, Since 31 Jul 24 \| VEDL	3%	₹231 Cr	4,400,100 ↓ -299,900
NCC Ltd (Industrials) Equity, Since 31 Aug 21 \| NCC	3%	₹224 Cr	13,053,905
Kalpataru Projects International Ltd (Industrials) Equity, Since 30 Sep 06 \| 522287	3%	₹216 Cr	1,803,566
Axis Bank Ltd (Financial Services) Equity, Since 31 Dec 20 \| AXISBANK	3%	₹215 Cr	1,683,557 ↓ -312,500
IndusInd Bank Ltd (Financial Services) Equity, Since 31 Oct 24 \| INDUSINDBK	3%	₹208 Cr	2,424,016

2. 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

Lower mid AUM (₹5,763 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 28.90% (upper mid).
3Y return: 29.19% (upper mid).
1Y return: 13.94% (top quartile).
Alpha: -0.83 (lower mid).
Sharpe: 0.03 (upper mid).
Information ratio: -0.53 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~16.9%).

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (07 Jan 26)	₹34.4906 ↓ -0.11 (-0.31 %)
Net Assets (Cr)	₹5,763 on 30 Nov 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0.03
Information Ratio	-0.53
Alpha Ratio	-0.83
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 Dec 20	₹10,000
31 Dec 21	₹13,241
31 Dec 22	₹17,083
31 Dec 23	₹26,314
31 Dec 24	₹32,485
31 Dec 25	₹36,147

SBI PSU 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 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 7 Jan 26

Duration	Returns
1 Month	3.6%
3 Month	5.5%
6 Month	6.4%
1 Year	13.9%
3 Year	29.2%
5 Year	28.9%
10 Year
15 Year
Since launch	8.3%

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	1.5 Yr.

Data below for SBI PSU Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	36.69%
Utility	27.73%
Energy	13.4%
Industrials	12.38%
Basic Materials	5.83%

Asset Allocation

Asset Class	Value
Cash	3.88%
Equity	96.04%
Debt	0.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	17%	₹972 Cr	9,927,500
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	9%	₹534 Cr	12,975,000
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| NTPC	8%	₹475 Cr	14,543,244
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| GAIL	8%	₹453 Cr	25,750,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| POWERGRID	8%	₹446 Cr	16,535,554
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| BPCL	6%	₹348 Cr	9,700,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| BANKBARODA	6%	₹319 Cr	11,000,000
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| INDIANB	4%	₹211 Cr	2,427,235
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| NMDC	4%	₹206 Cr	27,900,000
General Insurance Corp of India (Financial Services) Equity, Since 31 May 24 \| GICRE	3%	₹161 Cr	4,150,000

3. 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 (₹1,445 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 27.10% (upper mid).
3Y return: 29.59% (top quartile).
1Y return: 13.90% (upper mid).
Alpha: -0.45 (lower mid).
Sharpe: 0.06 (top quartile).
Information ratio: -0.49 (bottom quartile).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding State Bank of India (~9.7%).

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund Growth
Launch Date	18 Nov 09
NAV (07 Jan 26)	₹67.21 ↓ -0.16 (-0.24 %)
Net Assets (Cr)	₹1,445 on 30 Nov 25
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.14
Sharpe Ratio	0.06
Information Ratio	-0.49
Alpha Ratio	-0.45
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 Dec 20	₹10,000
31 Dec 21	₹13,105
31 Dec 22	₹15,797
31 Dec 23	₹24,402
31 Dec 24	₹30,659
31 Dec 25	₹33,810

Invesco India PSU Equity 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 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 7 Jan 26

Duration	Returns
1 Month	3.9%
3 Month	4.3%
6 Month	2.4%
1 Year	13.9%
3 Year	29.6%
5 Year	27.1%
10 Year
15 Year
Since launch	12.5%

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	0.42 Yr.
Sagar Gandhi	1 Jul 25	0.42 Yr.

Data below for Invesco India PSU Equity Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Industrials	31.46%
Financial Services	29.47%
Utility	20.02%
Energy	13.28%
Basic Materials	2.92%

Asset Allocation

Asset Class	Value
Cash	2.85%
Equity	97.15%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	10%	₹140 Cr	1,426,314
Bharat Electronics Ltd (Industrials) Equity, Since 31 Mar 17 \| BEL	9%	₹123 Cr	2,997,692
Bharat Petroleum Corp Ltd (Energy) Equity, Since 30 Sep 18 \| BPCL	7%	₹104 Cr	2,901,565
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| INDIANB	7%	₹94 Cr	1,080,618
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| HAL	6%	₹89 Cr	196,158
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	6%	₹83 Cr	8,790,786
NTPC Ltd (Utilities) Equity, Since 31 May 19 \| NTPC	5%	₹66 Cr	2,024,963
Bharat Dynamics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| BDL	4%	₹64 Cr	424,045
Bank of Baroda (Financial Services) Equity, Since 30 Jun 21 \| BANKBARODA	4%	₹61 Cr	2,116,392
Dredging Corp of India Ltd (Industrials) Equity, Since 31 Jul 25 \| DREDGECORP	4%	₹55 Cr	646,300 ↑ 174,490

4. Motilal Oswal Midcap 30 Fund

(Erstwhile Motilal Oswal MOSt Focused Midcap 30 Fund)

The investment objective of the Scheme is to achieve long term capital appreciation by investing in a maximum of 30 quality mid-cap companies having long-term competitive advantages and potential for growth. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved.

Research Highlights for Motilal Oswal Midcap 30 Fund

Highest AUM (₹38,003 Cr).
Established history (11+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 27.04% (lower mid).
3Y return: 26.06% (lower mid).
1Y return: -9.86% (bottom quartile).
Alpha: -11.47 (bottom quartile).
Sharpe: -0.40 (bottom quartile).
Information ratio: 0.21 (upper mid).
Higher exposure to Technology vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~92%).
Largest holding Persistent Systems Ltd (~10.0%).

Below is the key information for Motilal Oswal Midcap 30 Fund

Motilal Oswal Midcap 30 Fund Growth
Launch Date	24 Feb 14
NAV (07 Jan 26)	₹99.9437 ↑ 0.82 (0.83 %)
Net Assets (Cr)	₹38,003 on 30 Nov 25
Category	Equity - Mid Cap
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.56
Sharpe Ratio	-0.4
Information Ratio	0.21
Alpha Ratio	-11.47
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 Dec 20	₹10,000
31 Dec 21	₹15,583
31 Dec 22	₹17,252
31 Dec 23	₹24,442
31 Dec 24	₹38,406
31 Dec 25	₹33,746

Motilal Oswal Midcap 30 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 Motilal Oswal Midcap 30 Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Jan 26

Duration	Returns
1 Month	-2.5%
3 Month	-3.5%
6 Month	-3.5%
1 Year	-9.9%
3 Year	26.1%
5 Year	27%
10 Year
15 Year
Since launch	21.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-12.1%
2023	57.1%
2022	41.7%
2021	10.7%
2020	55.8%
2019	9.3%
2018	9.7%
2017	-12.7%
2016	30.8%
2015	5.2%

Fund Manager information for Motilal Oswal Midcap 30 Fund

Name	Since	Tenure
Ajay Khandelwal	1 Oct 24	1.17 Yr.
Niket Shah	1 Jul 20	5.42 Yr.
Rakesh Shetty	22 Nov 22	3.03 Yr.
Sunil Sawant	1 Jul 24	1.42 Yr.

Data below for Motilal Oswal Midcap 30 Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Technology	37.64%
Consumer Cyclical	18.46%
Industrials	11.9%
Financial Services	11.71%
Communication Services	8.74%
Real Estate	2.43%
Health Care	1.61%

Asset Allocation

Asset Class	Value
Cash	7.92%
Equity	92.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Persistent Systems Ltd (Technology) Equity, Since 31 Jan 23 \| PERSISTENT	10%	₹3,812 Cr	6,000,000
Coforge Ltd (Technology) Equity, Since 31 Mar 23 \| COFORGE	10%	₹3,770 Cr	19,750,000 ↑ 99,301
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Aug 25 \| 543320	9%	₹3,301 Cr	110,001,000 ↑ 10,001,000
Dixon Technologies (India) Ltd (Technology) Equity, Since 31 Mar 23 \| DIXON	8%	₹3,066 Cr	2,100,000
Kalyan Jewellers India Ltd (Consumer Cyclical) Equity, Since 29 Feb 24 \| KALYANKJIL	8%	₹3,034 Cr	60,043,240 ↑ 43,240
One97 Communications Ltd (Technology) Equity, Since 30 Sep 24 \| 543396	8%	₹2,969 Cr	22,479,961 ↓ -2,520,039
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 25 \| BHARTIARTL	5%	₹1,997 Cr	9,500,000 ↑ 9,500,000
Polycab India Ltd (Industrials) Equity, Since 30 Sep 23 \| POLYCAB	5%	₹1,889 Cr	2,528,264 ↓ -145,406
Aditya Birla Capital Ltd (Financial Services) Equity, Since 30 Jun 25 \| ABCAPITAL	4%	₹1,701 Cr	47,500,000 ↑ 7,482,572
KEI Industries Ltd (Industrials) Equity, Since 30 Nov 24 \| KEI	4%	₹1,658 Cr	4,000,000

5. 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

Bottom quartile AUM (₹2,514 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 26.78% (lower mid).
3Y return: 25.82% (lower mid).
1Y return: 4.15% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.15 (lower mid).
Information ratio: 0.00 (lower mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding Larsen & Toubro Ltd (~6.2%).

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund Growth
Launch Date	10 Mar 08
NAV (07 Jan 26)	₹47.911 ↓ -0.10 (-0.20 %)
Net Assets (Cr)	₹2,514 on 30 Nov 25
Category	Equity - Sectoral
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	2.06
Sharpe Ratio	-0.15
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 Dec 20	₹10,000
31 Dec 21	₹14,317
31 Dec 22	₹17,080
31 Dec 23	₹26,545
31 Dec 24	₹32,658
31 Dec 25	₹33,376

HDFC Infrastructure 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 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 7 Jan 26

Duration	Returns
1 Month	1.3%
3 Month	-0.2%
6 Month	-0.7%
1 Year	4.1%
3 Year	25.8%
5 Year	26.8%
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	2.45 Yr.
Ashish Shah	1 Nov 25	0.08 Yr.

Data below for HDFC Infrastructure Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Industrials	39.35%
Financial Services	20.43%
Basic Materials	10.2%
Energy	6.93%
Utility	6.76%
Communication Services	4.12%
Real Estate	2.48%
Health Care	1.75%
Technology	1.41%
Consumer Cyclical	0.66%

Asset Allocation

Asset Class	Value
Cash	5.91%
Equity	94.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 12 \| LT	6%	₹155 Cr	380,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	6%	₹153 Cr	1,100,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Aug 23 \| HDFCBANK	6%	₹141 Cr	1,400,000
Kalpataru Projects International Ltd (Industrials) Equity, Since 31 Jan 23 \| 522287	4%	₹91 Cr	758,285
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Dec 21 \| INDIGO	4%	₹89 Cr	150,000
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%	₹78 Cr	500,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 20 \| BHARTIARTL	3%	₹74 Cr	350,000
NTPC Ltd (Utilities) Equity, Since 31 Dec 17 \| NTPC	3%	₹72 Cr	2,200,000
State Bank of India (Financial Services) Equity, Since 31 Mar 08 \| SBIN	3%	₹69 Cr	704,361

6. DSP India T.I.G.E.R Fund

To generate capital appreciation, from a portfolio that is substantially constituted of equity securities and equity related securities of corporates, which could benefit from structural changes brought about by continuing liberalization in economic policies by the government and/or continuing investments in infrastructure, both by the public and private sector.

Research Highlights for DSP India T.I.G.E.R Fund

Lower mid AUM (₹5,419 Cr).
Oldest track record among peers (21 yrs).
Top rated.
Risk profile: High.
5Y return: 26.36% (bottom quartile).
3Y return: 24.68% (bottom quartile).
1Y return: -0.46% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.39 (bottom quartile).
Information ratio: 0.00 (lower mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Larsen & Toubro Ltd (~5.2%).

Below is the key information for DSP India T.I.G.E.R Fund

DSP India T.I.G.E.R Fund Growth
Launch Date	11 Jun 04
NAV (07 Jan 26)	₹318.717 ↓ -0.03 (-0.01 %)
Net Assets (Cr)	₹5,419 on 30 Nov 25
Category	Equity - Sectoral
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.39
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
31 Dec 20	₹10,000
31 Dec 21	₹15,158
31 Dec 22	₹17,260
31 Dec 23	₹25,716
31 Dec 24	₹34,043
31 Dec 25	₹33,175

DSP India T.I.G.E.R 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 DSP India T.I.G.E.R Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Jan 26

Duration	Returns
1 Month	2.2%
3 Month	1.2%
6 Month	-0.5%
1 Year	-0.5%
3 Year	24.7%
5 Year	26.4%
10 Year
15 Year
Since launch	17.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-2.5%
2023	32.4%
2022	49%
2021	13.9%
2020	51.6%
2019	2.7%
2018	6.7%
2017	-17.2%
2016	47%
2015	4.1%

Fund Manager information for DSP India T.I.G.E.R Fund

Name	Since	Tenure
Rohit Singhania	21 Jun 10	15.46 Yr.

Data below for DSP India T.I.G.E.R Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Industrials	31.28%
Basic Materials	14.28%
Financial Services	11%
Utility	10.18%
Consumer Cyclical	8.97%
Energy	7.34%
Health Care	5.54%
Communication Services	3.04%
Technology	1.8%
Real Estate	1.6%
Consumer Defensive	1.22%

Asset Allocation

Asset Class	Value
Cash	3.74%
Equity	96.26%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 04 \| LT	5%	₹284 Cr	697,669
NTPC Ltd (Utilities) Equity, Since 30 Nov 17 \| NTPC	4%	₹233 Cr	7,145,883
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 31 Dec 24 \| APOLLOHOSP	3%	₹180 Cr	245,928
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 18 \| BHARTIARTL	3%	₹159 Cr	756,154
Kirloskar Oil Engines Ltd (Industrials) Equity, Since 31 Mar 23 \| KIRLOSENG	3%	₹159 Cr	1,412,412
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jan 25 \| POWERGRID	3%	₹150 Cr	5,567,574
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Dec 24 \| AMBER	3%	₹142 Cr	197,265
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 Oct 25 \| HAL	3%	₹139 Cr	305,098 ↑ 112,311
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 31 May 25 \| MCX	3%	₹137 Cr	136,165
Coal India Ltd (Energy) Equity, Since 31 Dec 23 \| COALINDIA	2%	₹125 Cr	3,321,453

7. 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

Upper mid AUM (₹7,301 Cr).
Established history (21+ yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 26.33% (bottom quartile).
3Y return: 26.28% (upper mid).
1Y return: 1.74% (lower mid).
Alpha: -12.90 (bottom quartile).
Sharpe: -0.26 (lower mid).
Information ratio: 0.42 (top quartile).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Reliance Industries Ltd (~9.5%).

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 (07 Jan 26)	₹349.558 ↓ -0.40 (-0.11 %)
Net Assets (Cr)	₹7,301 on 30 Nov 25
Category	Equity - Sectoral
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.85
Sharpe Ratio	-0.26
Information Ratio	0.42
Alpha Ratio	-12.9
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 Dec 20	₹10,000
31 Dec 21	₹14,888
31 Dec 22	₹16,512
31 Dec 23	₹26,089
31 Dec 24	₹33,115
31 Dec 25	₹32,946

Nippon India Power and Infra 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 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 7 Jan 26

Duration	Returns
1 Month	2%
3 Month	-0.1%
6 Month	-1.2%
1 Year	1.7%
3 Year	26.3%
5 Year	26.3%
10 Year
15 Year
Since launch	17.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-0.5%
2023	26.9%
2022	58%
2021	10.9%
2020	48.9%
2019	10.8%
2018	-2.9%
2017	-21.1%
2016	61.7%
2015	0.1%

Fund Manager information for Nippon India Power and Infra Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	7.53 Yr.
Rahul Modi	19 Aug 24	1.28 Yr.
Lokesh Maru	5 Sep 25	0.24 Yr.
Divya Sharma	5 Sep 25	0.24 Yr.

Data below for Nippon India Power and Infra Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Industrials	32.74%
Utility	22.88%
Energy	9.92%
Consumer Cyclical	9.2%
Basic Materials	6.97%
Communication Services	6.04%
Technology	4.89%
Real Estate	2.32%
Financial Services	2.26%
Health Care	2.11%

Asset Allocation

Asset Class	Value
Cash	0.65%
Equity	99.35%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 18 \| RELIANCE	10%	₹694 Cr	4,425,000 ↑ 150,000
NTPC Ltd (Utilities) Equity, Since 31 May 09 \| NTPC	8%	₹555 Cr	17,000,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 18 \| BHARTIARTL	6%	₹441 Cr	2,100,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 07 \| LT	6%	₹433 Cr	1,064,337 ↓ -50,000
Tata Power Co Ltd (Utilities) Equity, Since 30 Apr 23 \| TATAPOWER	4%	₹308 Cr	7,900,789
Bharat Heavy Electricals Ltd (Industrials) Equity, Since 30 Sep 24 \| BHEL	3%	₹233 Cr	8,000,838 ↓ -1,300,000
CG Power & Industrial Solutions Ltd (Industrials) Equity, Since 30 Sep 24 \| CGPOWER	3%	₹203 Cr	3,020,014
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Oct 19 \| ULTRACEMCO	3%	₹197 Cr	170,000
Bharat Forge Ltd (Consumer Cyclical) Equity, Since 31 Oct 24 \| BHARATFORG	2%	₹169 Cr	1,179,635
Kaynes Technology India Ltd (Technology) Equity, Since 30 Nov 22 \| KAYNES	2%	₹165 Cr	300,113 ↑ 50,000

ఆర్థిక ప్రణాళిక మీ నిర్వహణకు కీలకంఆదాయం మరియు ఖర్చులు. కాబట్టి, మీది ఏమిటిఆర్థిక లక్ష్యం? తెలివిగా విశ్లేషించి పెట్టుబడి పెట్టండి!

Disclaimer:
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