11 Best Mutual Funds for SIP 2025

Updated on August 31, 2025 , 264295 views

Over the past decade (2015–2025), equity SIPs in India have delivered an average annualised return of 10–14%, with many investors seeing their wealth double in under 7 years. The magic lies in the Power of Compounding and disciplined Investing — SIPs turn small, consistent contributions into substantial long-term gains, even through Market ups and downs.

With evolving SEBI norms, changing sector dynamics, and heightened market Volatility, the “set and forget” approach no longer suffices. That’s why we go beyond mere rankings—Offering well-researched, 2025-relevant insights that balance growth potential with risk management. Your SIP shouldn’t just grow—it should adapt, endure, and support your financial journey at every stage.

Why Invest in SIP Mutual Funds?

SIPs encourage a disciplined and systematic approach towards investing in Mutual Funds.
They help you finance major life goals such as retirement, your child’s education, buying a house or car.
The power of compounding makes SIPs ideal for wealth creation over time, especially for young investors.
SIPs reduce the risk of timing the market by spreading your investments across market cycles.

Additionally, SIPs offer flexibility — you can start with small amounts and increase investments as your Income grows, making them suitable for investors at any stage.

What Influences SIP Returns?

SIP returns depend on several factors, including market conditions, fund management, and economic cycles. Equity markets can be volatile in the short term, which impacts SIP performance, but disciplined investing over longer periods usually smooths out fluctuations. Fund manager expertise and consistency significantly influence SIP returns, especially in volatile markets. Furthermore, SEBI’s recent reforms aimed at improving fund transparency and risk controls have helped investors make better-informed choices, potentially improving SIP outcomes.

All selected funds have at least ₹500 crore in AUM and a minimum of 5 years of consistent performance, ensuring stability and reliability for long-term investing.

Fund Selection Methodology used to find 11 funds

Category: Equity
Investment Option: SIP
AUM Range: 200 to 20000 Cr
Sorted On : 5-year return (high to low)
No Of Funds: 11

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Top 11 SIP Mutual Funds in India FY 25 - 26

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
ICICI Prudential Infrastructure Fund Growth	₹191.6 ↑ 0.14	₹7,941	100	-1.1	17.2	-2.9	27.9	33.9	27.4
Bandhan Infrastructure Fund Growth	₹49.419 ↑ 0.31	₹1,676	100	-2.1	21.2	-10.9	26.1	32	39.3
HDFC Infrastructure Fund Growth	₹46.829 ↑ 0.05	₹2,540	300	-1.3	18.3	-5.3	27.1	31.8	23
DSP India T.I.G.E.R Fund Growth	₹311.242 ↑ 1.18	₹5,406	500	0.8	20.2	-8.3	25.8	31.5	32.4
Franklin Build India Fund Growth	₹139.604 ↑ 0.29	₹2,950	500	0.7	18.4	-4.4	27	31.3	27.8
Canara Robeco Infrastructure Growth	₹159.4 ↑ 0.48	₹917	1,000	0.4	22.9	-2.3	23.6	30.7	35.3
LIC MF Infrastructure Fund Growth	₹48.3191 ↑ 0.34	₹1,038	1,000	-1.6	24.2	-7.2	26.1	30.1	47.8
Nippon India Power and Infra Fund Growth	₹340.911 ↑ 2.23	₹7,377	100	-0.8	20	-7.7	27.4	29.7	26.9
Kotak Infrastructure & Economic Reform Fund Growth	₹64.407 ↑ 0.06	₹2,388	1,000	-1.3	23.1	-8.4	21	29.3	32.4
SBI PSU Fund Growth	₹30.9967 ↑ 0.28	₹5,278	500	-3.3	16.9	-9.4	29.5	29.2	23.5
Franklin India Smaller Companies Fund Growth	₹168.29 ↑ 0.73	₹13,825	500	-2	17.5	-9.3	22.6	29.1	23.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 25

Research Highlights & Commentary of 11 Funds showcased

Commentary	ICICI Prudential Infrastructure Fund	Bandhan Infrastructure Fund	HDFC Infrastructure Fund	DSP India T.I.G.E.R Fund	Franklin Build India Fund	Canara Robeco Infrastructure	LIC MF Infrastructure Fund	Nippon India Power and Infra Fund	Kotak Infrastructure & Economic Reform Fund	SBI PSU Fund	Franklin India Smaller Companies Fund
Point 1	Top quartile AUM (₹7,941 Cr).	Bottom quartile AUM (₹1,676 Cr).	Lower mid AUM (₹2,540 Cr).	Upper mid AUM (₹5,406 Cr).	Lower mid AUM (₹2,950 Cr).	Bottom quartile AUM (₹917 Cr).	Bottom quartile AUM (₹1,038 Cr).	Upper mid AUM (₹7,377 Cr).	Lower mid AUM (₹2,388 Cr).	Upper mid AUM (₹5,278 Cr).	Highest AUM (₹13,825 Cr).
Point 2	Established history (20+ yrs).	Established history (14+ yrs).	Established history (17+ yrs).	Established history (21+ yrs).	Established history (16+ yrs).	Established history (19+ yrs).	Established history (17+ yrs).	Oldest track record among peers (21 yrs).	Established history (17+ yrs).	Established history (15+ yrs).	Established history (19+ yrs).
Point 3	Rating: 3★ (lower mid).	Rating: 5★ (top quartile).	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).	Top rated.	Not Rated.	Not Rated.	Rating: 4★ (lower mid).	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 4★ (upper mid).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.
Point 5	5Y return: 33.90% (top quartile).	5Y return: 31.96% (top quartile).	5Y return: 31.84% (upper mid).	5Y return: 31.55% (upper mid).	5Y return: 31.31% (upper mid).	5Y return: 30.66% (lower mid).	5Y return: 30.12% (lower mid).	5Y return: 29.68% (lower mid).	5Y return: 29.28% (bottom quartile).	5Y return: 29.22% (bottom quartile).	5Y return: 29.14% (bottom quartile).
Point 6	3Y return: 27.90% (top quartile).	3Y return: 26.12% (lower mid).	3Y return: 27.15% (upper mid).	3Y return: 25.80% (lower mid).	3Y return: 26.97% (upper mid).	3Y return: 23.57% (bottom quartile).	3Y return: 26.08% (lower mid).	3Y return: 27.43% (upper mid).	3Y return: 21.04% (bottom quartile).	3Y return: 29.51% (top quartile).	3Y return: 22.56% (bottom quartile).
Point 7	1Y return: -2.93% (top quartile).	1Y return: -10.87% (bottom quartile).	1Y return: -5.25% (upper mid).	1Y return: -8.31% (lower mid).	1Y return: -4.44% (upper mid).	1Y return: -2.30% (top quartile).	1Y return: -7.20% (upper mid).	1Y return: -7.66% (lower mid).	1Y return: -8.42% (lower mid).	1Y return: -9.41% (bottom quartile).	1Y return: -9.33% (bottom quartile).
Point 8	Alpha: 0.00 (lower mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (upper mid).	Alpha: 1.35 (top quartile).	Alpha: -4.86 (bottom quartile).	Alpha: -3.87 (bottom quartile).	Alpha: 0.19 (top quartile).	Alpha: -5.51 (bottom quartile).
Point 9	Sharpe: -0.42 (upper mid).	Sharpe: -0.69 (bottom quartile).	Sharpe: -0.56 (lower mid).	Sharpe: -0.65 (lower mid).	Sharpe: -0.51 (upper mid).	Sharpe: -0.36 (top quartile).	Sharpe: -0.30 (top quartile).	Sharpe: -0.65 (bottom quartile).	Sharpe: -0.54 (upper mid).	Sharpe: -0.78 (bottom quartile).	Sharpe: -0.59 (lower mid).
Point 10	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.40 (top quartile).	Information ratio: 1.02 (top quartile).	Information ratio: 0.05 (upper mid).	Information ratio: -0.27 (bottom quartile).	Information ratio: -0.06 (bottom quartile).

ICICI Prudential Infrastructure Fund

Top quartile AUM (₹7,941 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 33.90% (top quartile).
3Y return: 27.90% (top quartile).
1Y return: -2.93% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.42 (upper mid).
Information ratio: 0.00 (lower mid).

Bandhan Infrastructure Fund

Bottom quartile AUM (₹1,676 Cr).
Established history (14+ yrs).
Rating: 5★ (top quartile).
Risk profile: High.
5Y return: 31.96% (top quartile).
3Y return: 26.12% (lower mid).
1Y return: -10.87% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.69 (bottom quartile).
Information ratio: 0.00 (lower mid).

HDFC Infrastructure Fund

Lower mid AUM (₹2,540 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 31.84% (upper mid).
3Y return: 27.15% (upper mid).
1Y return: -5.25% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.56 (lower mid).
Information ratio: 0.00 (lower mid).

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

Upper mid AUM (₹5,406 Cr).
Established history (21+ yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 31.55% (upper mid).
3Y return: 25.80% (lower mid).
1Y return: -8.31% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.65 (lower mid).
Information ratio: 0.00 (bottom quartile).

Franklin Build India Fund

Lower mid AUM (₹2,950 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: High.
5Y return: 31.31% (upper mid).
3Y return: 26.97% (upper mid).
1Y return: -4.44% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.51 (upper mid).
Information ratio: 0.00 (upper mid).

Canara Robeco Infrastructure

Bottom quartile AUM (₹917 Cr).
Established history (19+ yrs).
Not Rated.
Risk profile: High.
5Y return: 30.66% (lower mid).
3Y return: 23.57% (bottom quartile).
1Y return: -2.30% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.36 (top quartile).
Information ratio: 0.00 (upper mid).

LIC MF Infrastructure Fund

Bottom quartile AUM (₹1,038 Cr).
Established history (17+ yrs).
Not Rated.
Risk profile: High.
5Y return: 30.12% (lower mid).
3Y return: 26.08% (lower mid).
1Y return: -7.20% (upper mid).
Alpha: 1.35 (top quartile).
Sharpe: -0.30 (top quartile).
Information ratio: 0.40 (top quartile).

Nippon India Power and Infra Fund

Upper mid AUM (₹7,377 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 29.68% (lower mid).
3Y return: 27.43% (upper mid).
1Y return: -7.66% (lower mid).
Alpha: -4.86 (bottom quartile).
Sharpe: -0.65 (bottom quartile).
Information ratio: 1.02 (top quartile).

Kotak Infrastructure & Economic Reform Fund

Lower mid AUM (₹2,388 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 29.28% (bottom quartile).
3Y return: 21.04% (bottom quartile).
1Y return: -8.42% (lower mid).
Alpha: -3.87 (bottom quartile).
Sharpe: -0.54 (upper mid).
Information ratio: 0.05 (upper mid).

SBI PSU Fund

Upper mid AUM (₹5,278 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 29.22% (bottom quartile).
3Y return: 29.51% (top quartile).
1Y return: -9.41% (bottom quartile).
Alpha: 0.19 (top quartile).
Sharpe: -0.78 (bottom quartile).
Information ratio: -0.27 (bottom quartile).

Franklin India Smaller Companies Fund

Highest AUM (₹13,825 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 29.14% (bottom quartile).
3Y return: 22.56% (bottom quartile).
1Y return: -9.33% (bottom quartile).
Alpha: -5.51 (bottom quartile).
Sharpe: -0.59 (lower mid).
Information ratio: -0.06 (bottom quartile).

About the Fincash Research Team

At Fincash, our mission is to help investors make informed, confident decisions. With over 9 years in Mutual Fund distribution, our team blends deep industry expertise with a commitment to transparency, accuracy, and investor education.

Who We Are

AMFI Registration No.: 112358
MCA CIN: U74999MH2016PTC282153
Location: Thane, Maharashtra, India
Experience: 9+ years in Mutual Fund distribution

Our Expertise

Certified Mutual Fund Distributors with hands-on advisory experience.
Market analysts tracking performance, macro trends, and sectors.
Data specialists processing NAVs, allocations, and risk metrics from Morning Star.

Our Research Process

Data sourcing: SEBI-registered fund houses & verified third-party provider Morning Star
Screening: Returns, manager track record, expenses, sector mix, risk-adjusted metrics.
Expert review: Senior team members review every article and list for accuracy.
Updates: Regular refreshes so performance data reflects current market conditions.

Why Trust Us

Regulated & compliant: AMFI-registered and MCA-incorporated.
Investor-first: No pay-to-promote lists; suitability and performance drive coverage.
Education-focused: We simplify complex concepts for everyday investors.

Disclaimer

Content is for educational and informational purposes only and is not investment advice. Please consider your risk profile and consult a financial advisor before investing.

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

Top quartile AUM (₹7,941 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 33.90% (top quartile).
3Y return: 27.90% (top quartile).
1Y return: -2.93% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.42 (upper mid).
Information ratio: 0.00 (lower mid).

Below is the key information for ICICI Prudential Infrastructure Fund

ICICI Prudential Infrastructure Fund Growth
Launch Date	31 Aug 05
NAV (02 Sep 25)	₹191.6 ↑ 0.14 (0.07 %)
Net Assets (Cr)	₹7,941 on 31 Jul 25
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.42
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 Aug 20	₹10,000
31 Aug 21	₹17,110
31 Aug 22	₹20,943
31 Aug 23	₹27,806
31 Aug 24	₹44,803
31 Aug 25	₹43,202

ICICI Prudential Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹689,048.
Net Profit of ₹389,048 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 2 Sep 25

Duration	Returns
1 Month	0.2%
3 Month	-1.1%
6 Month	17.2%
1 Year	-2.9%
3 Year	27.9%
5 Year	33.9%
10 Year
15 Year
Since launch	15.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	27.4%
2023	44.6%
2022	28.8%
2021	50.1%
2020	3.6%
2019	2.6%
2018	-14%
2017	40.8%
2016	2%
2015	-3.4%

Fund Manager information for ICICI Prudential Infrastructure Fund

Name	Since	Tenure
Ihab Dalwai	3 Jun 17	8.25 Yr.
Sharmila D’mello	30 Jun 22	3.17 Yr.

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

Equity Sector Allocation

Sector	Value
Industrials	38.31%
Basic Materials	15.82%
Financial Services	15.42%
Utility	10.35%
Energy	7.15%
Real Estate	2.9%
Consumer Cyclical	1.92%
Communication Services	1.08%

Asset Allocation

Asset Class	Value
Cash	7.04%
Equity	92.96%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 09 \| LT	9%	₹727 Cr	1,998,954 ↑ 18,750
NTPC Ltd (Utilities) Equity, Since 29 Feb 16 \| 532555	5%	₹370 Cr	11,079,473 ↑ 400,000
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 May 24 \| ADANIPORTS	4%	₹312 Cr	2,268,659
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 23 \| RELIANCE	4%	₹282 Cr	2,029,725 ↑ 100,000
NCC Ltd (Industrials) Equity, Since 31 Aug 21 \| NCC	3%	₹273 Cr	12,522,005
Vedanta Ltd (Basic Materials) Equity, Since 31 Jul 24 \| 500295	3%	₹267 Cr	6,279,591 ↑ 120,841
AIA Engineering Ltd (Industrials) Equity, Since 28 Feb 21 \| AIAENG	3%	₹207 Cr	660,770
Kalpataru Projects International Ltd (Industrials) Equity, Since 30 Sep 06 \| KPIL	3%	₹207 Cr	1,803,566
Axis Bank Ltd (Financial Services) Equity, Since 31 Dec 20 \| 532215	3%	₹203 Cr	1,896,057
CESC Ltd (Utilities) Equity, Since 30 Jun 23 \| CESC	2%	₹198 Cr	11,700,502 ↓ -300,000

2. Bandhan Infrastructure Fund

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

Research Highlights for Bandhan Infrastructure Fund

Bottom quartile AUM (₹1,676 Cr).
Established history (14+ yrs).
Rating: 5★ (top quartile).
Risk profile: High.
5Y return: 31.96% (top quartile).
3Y return: 26.12% (lower mid).
1Y return: -10.87% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.69 (bottom quartile).
Information ratio: 0.00 (lower mid).

Below is the key information for Bandhan Infrastructure Fund

Bandhan Infrastructure Fund Growth
Launch Date	8 Mar 11
NAV (02 Sep 25)	₹49.419 ↑ 0.31 (0.64 %)
Net Assets (Cr)	₹1,676 on 31 Jul 25
Category	Equity - Sectoral
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	2.1
Sharpe Ratio	-0.69
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹19,221
31 Aug 22	₹20,185
31 Aug 23	₹26,032
31 Aug 24	₹45,976
31 Aug 25	₹39,818

Bandhan Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹657,502.
Net Profit of ₹357,502 Invest Now

Returns for Bandhan Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

Duration	Returns
1 Month	-0.3%
3 Month	-2.1%
6 Month	21.2%
1 Year	-10.9%
3 Year	26.1%
5 Year	32%
10 Year
15 Year
Since launch	11.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	39.3%
2023	50.3%
2022	1.7%
2021	64.8%
2020	6.3%
2019	-5.3%
2018	-25.9%
2017	58.7%
2016	10.7%
2015	-0.2%

Fund Manager information for Bandhan Infrastructure Fund

Name	Since	Tenure
Vishal Biraia	24 Jan 24	1.6 Yr.
Ritika Behera	7 Oct 23	1.9 Yr.
Gaurav Satra	7 Jun 24	1.24 Yr.

Data below for Bandhan Infrastructure Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Industrials	52.91%
Utility	12.23%
Basic Materials	7.2%
Communication Services	4.75%
Energy	3.76%
Financial Services	3.28%
Health Care	2.19%
Technology	1.74%
Consumer Cyclical	1.38%
Real Estate	1.08%

Asset Allocation

Asset Class	Value
Cash	9.47%
Equity	90.53%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Kirloskar Brothers Ltd (Industrials) Equity, Since 31 Dec 17 \| KIRLOSBROS	5%	₹87 Cr	443,385
Larsen & Toubro Ltd (Industrials) Equity, Since 29 Feb 12 \| LT	4%	₹75 Cr	206,262
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 19 \| BHARTIARTL	4%	₹63 Cr	330,018
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 24 \| RELIANCE	4%	₹63 Cr	452,706
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Mar 14 \| 532538	4%	₹61 Cr	49,772 ↓ -680
GPT Infraprojects Ltd (Industrials) Equity, Since 30 Nov 17 \| GPTINFRA	4%	₹61 Cr	4,733,244 ↓ -49,289
Bharat Electronics Ltd (Industrials) Equity, Since 31 Oct 19 \| BEL	3%	₹55 Cr	1,431,700
PTC India Financial Services Ltd (Financial Services) Equity, Since 31 Dec 23 \| PFS	3%	₹52 Cr	12,400,122
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 Dec 23 \| ADANIPORTS	3%	₹50 Cr	365,137
Ahluwalia Contracts (India) Ltd (Industrials) Equity, Since 30 Apr 15 \| AHLUCONT	3%	₹47 Cr	462,606

3. 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 (₹2,540 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 31.84% (upper mid).
3Y return: 27.15% (upper mid).
1Y return: -5.25% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.56 (lower mid).
Information ratio: 0.00 (lower mid).

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund Growth
Launch Date	10 Mar 08
NAV (02 Sep 25)	₹46.829 ↑ 0.05 (0.11 %)
Net Assets (Cr)	₹2,540 on 31 Jul 25
Category	Equity - Sectoral
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	2.06
Sharpe Ratio	-0.56
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 Aug 20	₹10,000
31 Aug 21	₹16,545
31 Aug 22	₹19,604
31 Aug 23	₹26,941
31 Aug 24	₹42,708
31 Aug 25	₹39,954

HDFC Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹657,502.
Net Profit of ₹357,502 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 2 Sep 25

Duration	Returns
1 Month	-0.3%
3 Month	-1.3%
6 Month	18.3%
1 Year	-5.3%
3 Year	27.1%
5 Year	31.8%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23%
2023	55.4%
2022	19.3%
2021	43.2%
2020	-7.5%
2019	-3.4%
2018	-29%
2017	43.3%
2016	-1.9%
2015	-2.5%

Fund Manager information for HDFC Infrastructure Fund

Name	Since	Tenure
Srinivasan Ramamurthy	12 Jan 24	1.64 Yr.
Dhruv Muchhal	22 Jun 23	2.2 Yr.

Data below for HDFC Infrastructure Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Industrials	38.91%
Financial Services	20.57%
Basic Materials	10.46%
Utility	6.9%
Energy	6.37%
Communication Services	3.71%
Real Estate	2.25%
Health Care	1.77%
Technology	1.36%
Consumer Cyclical	0.47%

Asset Allocation

Asset Class	Value
Cash	7.23%
Equity	92.77%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	8%	₹193 Cr	1,300,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Aug 23 \| HDFCBANK	6%	₹141 Cr	700,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 12 \| LT	5%	₹138 Cr	380,000
J Kumar Infraprojects Ltd (Industrials) Equity, Since 31 Oct 15 \| JKIL	4%	₹99 Cr	1,400,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Dec 21 \| INDIGO	3%	₹89 Cr	150,000
Kalpataru Projects International Ltd (Industrials) Equity, Since 31 Jan 23 \| KPIL	3%	₹87 Cr	758,285
NTPC Ltd (Utilities) Equity, Since 31 Dec 17 \| 532555	3%	₹74 Cr	2,200,000
Reliance Industries Ltd (Energy) Equity, Since 31 May 24 \| RELIANCE	3%	₹70 Cr	500,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 20 \| BHARTIARTL	3%	₹67 Cr	350,000
G R Infraprojects Ltd (Industrials) Equity, Since 31 Jul 21 \| 543317	2%	₹57 Cr	470,000

4. 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

Upper mid AUM (₹5,406 Cr).
Established history (21+ yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 31.55% (upper mid).
3Y return: 25.80% (lower mid).
1Y return: -8.31% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.65 (lower mid).
Information ratio: 0.00 (bottom quartile).

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 (02 Sep 25)	₹311.242 ↑ 1.18 (0.38 %)
Net Assets (Cr)	₹5,406 on 31 Jul 25
Category	Equity - Sectoral
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.65
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 Aug 20	₹10,000
31 Aug 21	₹17,810
31 Aug 22	₹20,079
31 Aug 23	₹26,946
31 Aug 24	₹44,026
31 Aug 25	₹39,306

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

Total investment amount is ₹300,000
expected amount after 5 Years is ₹657,502.
Net Profit of ₹357,502 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 2 Sep 25

Duration	Returns
1 Month	0.9%
3 Month	0.8%
6 Month	20.2%
1 Year	-8.3%
3 Year	25.8%
5 Year	31.5%
10 Year
15 Year
Since launch	17.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	32.4%
2023	49%
2022	13.9%
2021	51.6%
2020	2.7%
2019	6.7%
2018	-17.2%
2017	47%
2016	4.1%
2015	0.7%

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

Name	Since	Tenure
Rohit Singhania	21 Jun 10	15.21 Yr.

Data below for DSP India T.I.G.E.R Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Industrials	29.21%
Basic Materials	15%
Utility	10.69%
Consumer Cyclical	9.02%
Financial Services	8.65%
Health Care	7.07%
Energy	5.32%
Communication Services	2.54%
Technology	2.17%
Real Estate	1.49%
Consumer Defensive	1.18%

Asset Allocation

Asset Class	Value
Cash	7.67%
Equity	92.33%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 04 \| LT	5%	₹254 Cr	697,669
NTPC Ltd (Utilities) Equity, Since 30 Nov 17 \| 532555	4%	₹239 Cr	7,145,883
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 31 Dec 24 \| APOLLOHOSP	3%	₹184 Cr	245,928
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Dec 24 \| AMBER	3%	₹165 Cr	207,277
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jan 25 \| 532898	3%	₹162 Cr	5,567,574
Kirloskar Oil Engines Ltd (Industrials) Equity, Since 31 Mar 23 \| KIRLOSENG	3%	₹145 Cr	1,608,534
Rainbow Childrens Medicare Ltd (Healthcare) Equity, Since 31 Jan 25 \| 543524	3%	₹143 Cr	935,870
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 18 \| BHARTIARTL	2%	₹132 Cr	688,435
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 31 May 25 \| MCX	2%	₹126 Cr	164,204
Coal India Ltd (Energy) Equity, Since 31 Dec 23 \| COALINDIA	2%	₹125 Cr	3,321,453

5. Franklin Build India Fund

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

Research Highlights for Franklin Build India Fund

Lower mid AUM (₹2,950 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: High.
5Y return: 31.31% (upper mid).
3Y return: 26.97% (upper mid).
1Y return: -4.44% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.51 (upper mid).
Information ratio: 0.00 (upper mid).

Below is the key information for Franklin Build India Fund

Franklin Build India Fund Growth
Launch Date	4 Sep 09
NAV (02 Sep 25)	₹139.604 ↑ 0.29 (0.21 %)
Net Assets (Cr)	₹2,950 on 31 Jul 25
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	2.01
Sharpe Ratio	-0.51
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 Aug 20	₹10,000
31 Aug 21	₹17,164
31 Aug 22	₹19,308
31 Aug 23	₹25,108
31 Aug 24	₹41,493
31 Aug 25	₹38,961

Franklin Build India Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹657,502.
Net Profit of ₹357,502 Invest Now

Returns for Franklin Build India Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

Duration	Returns
1 Month	-0.4%
3 Month	0.7%
6 Month	18.4%
1 Year	-4.4%
3 Year	27%
5 Year	31.3%
10 Year
15 Year
Since launch	17.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	27.8%
2023	51.1%
2022	11.2%
2021	45.9%
2020	5.4%
2019	6%
2018	-10.7%
2017	43.3%
2016	8.4%
2015	2.1%

Fund Manager information for Franklin Build India Fund

Name	Since	Tenure
Ajay Argal	18 Oct 21	3.87 Yr.
Kiran Sebastian	7 Feb 22	3.57 Yr.
Sandeep Manam	18 Oct 21	3.87 Yr.

Data below for Franklin Build India Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Industrials	35.65%
Utility	13.57%
Energy	12.61%
Financial Services	11.6%
Communication Services	7.94%
Basic Materials	5.39%
Real Estate	3.3%
Consumer Cyclical	3.01%
Technology	2.56%

Asset Allocation

Asset Class	Value
Cash	4.35%
Equity	95.65%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 29 Feb 20 \| LT	8%	₹242 Cr	665,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 12 \| ICICIBANK	6%	₹178 Cr	1,200,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 29 Feb 20 \| INDIGO	6%	₹177 Cr	300,000
Reliance Industries Ltd (Energy) Equity, Since 31 Oct 21 \| RELIANCE	6%	₹167 Cr	1,200,000
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 30 Jun 19 \| 500312	5%	₹154 Cr	6,400,000 ↑ 400,000
NTPC Ltd (Utilities) Equity, Since 30 Nov 16 \| 532555	5%	₹138 Cr	4,125,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 09 \| BHARTIARTL	5%	₹136 Cr	710,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 12 \| 532215	4%	₹107 Cr	1,000,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 28 Feb 21 \| 532898	4%	₹105 Cr	3,600,000
Sobha Ltd (Real Estate) Equity, Since 31 Aug 17 \| SOBHA	3%	₹88 Cr	547,553

6. Canara Robeco Infrastructure

T o g e n e r a t e income/capital appreciation by investing in equities and equity related instruments of companies in the infrastructure sector. However, there can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for Canara Robeco Infrastructure

Bottom quartile AUM (₹917 Cr).
Established history (19+ yrs).
Not Rated.
Risk profile: High.
5Y return: 30.66% (lower mid).
3Y return: 23.57% (bottom quartile).
1Y return: -2.30% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.36 (top quartile).
Information ratio: 0.00 (upper mid).

Below is the key information for Canara Robeco Infrastructure

Canara Robeco Infrastructure Growth
Launch Date	2 Dec 05
NAV (02 Sep 25)	₹159.4 ↑ 0.48 (0.30 %)
Net Assets (Cr)	₹917 on 31 Jul 25
Category	Equity - Sectoral
AMC	Canara Robeco Asset Management Co. Ltd.
Rating	Not Rated
Risk	High
Expense Ratio	2.32
Sharpe Ratio	-0.36
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 Aug 20	₹10,000
31 Aug 21	₹17,138
31 Aug 22	₹20,330
31 Aug 23	₹23,805
31 Aug 24	₹39,908
31 Aug 25	₹38,048

Canara Robeco Infrastructure 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 Canara Robeco Infrastructure

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

Duration	Returns
1 Month	-0.1%
3 Month	0.4%
6 Month	22.9%
1 Year	-2.3%
3 Year	23.6%
5 Year	30.7%
10 Year
15 Year
Since launch	15%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	35.3%
2023	41.2%
2022	9%
2021	56.1%
2020	9%
2019	2.3%
2018	-19.1%
2017	40.2%
2016	2.1%
2015	6.7%

Fund Manager information for Canara Robeco Infrastructure

Name	Since	Tenure
Vishal Mishra	26 Jun 21	4.19 Yr.
Shridatta Bhandwaldar	29 Sep 18	6.93 Yr.

Data below for Canara Robeco Infrastructure as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Industrials	45.06%
Utility	12.61%
Basic Materials	10.12%
Energy	8.15%
Financial Services	6.69%
Technology	5.72%
Consumer Cyclical	2.94%
Communication Services	2.85%
Real Estate	1.37%

Asset Allocation

Asset Class	Value
Cash	4.48%
Equity	95.52%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 28 Feb 11 \| LT	8%	₹72 Cr	197,901 ↑ 5,000
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 22 \| RELIANCE	4%	₹39 Cr	279,250 ↑ 15,000
NTPC Ltd (Utilities) Equity, Since 30 Nov 18 \| 532555	4%	₹36 Cr	1,066,480
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Jan 23 \| INDIGO	4%	₹34 Cr	58,250
State Bank of India (Financial Services) Equity, Since 31 Jul 24 \| SBIN	4%	₹34 Cr	430,000
Bharat Electronics Ltd (Industrials) Equity, Since 31 Jul 19 \| BEL	4%	₹33 Cr	869,000 ↓ -50,000
GE Vernova T&D India Ltd (Industrials) Equity, Since 31 Jan 24 \| 522275	4%	₹33 Cr	119,833 ↓ -3,000
Dixon Technologies (India) Ltd (Technology) Equity, Since 31 Oct 23 \| DIXON	3%	₹32 Cr	18,950 ↑ 1,750
Tata Power Co Ltd (Utilities) Equity, Since 30 Sep 24 \| 500400	3%	₹31 Cr	785,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Oct 09 \| 532898	3%	₹28 Cr	957,546

7. LIC MF Infrastructure Fund

The investment objective of the scheme is to provide long term growth from a portfolio of equity / equity related instruments of companies engaged either directly or indirectly in the infrastructure sector.

Research Highlights for LIC MF Infrastructure Fund

Bottom quartile AUM (₹1,038 Cr).
Established history (17+ yrs).
Not Rated.
Risk profile: High.
5Y return: 30.12% (lower mid).
3Y return: 26.08% (lower mid).
1Y return: -7.20% (upper mid).
Alpha: 1.35 (top quartile).
Sharpe: -0.30 (top quartile).
Information ratio: 0.40 (top quartile).

Below is the key information for LIC MF Infrastructure Fund

LIC MF Infrastructure Fund Growth
Launch Date	29 Feb 08
NAV (02 Sep 25)	₹48.3191 ↑ 0.34 (0.71 %)
Net Assets (Cr)	₹1,038 on 31 Jul 25
Category	Equity - Sectoral
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	Not Rated
Risk	High
Expense Ratio	2.21
Sharpe Ratio	-0.3
Information Ratio	0.4
Alpha Ratio	1.35
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 Aug 20	₹10,000
31 Aug 21	₹16,396
31 Aug 22	₹18,753
31 Aug 23	₹23,082
31 Aug 24	₹41,121
31 Aug 25	₹37,159

LIC MF Infrastructure 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 LIC MF 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 2 Sep 25

Duration	Returns
1 Month	-1.9%
3 Month	-1.6%
6 Month	24.2%
1 Year	-7.2%
3 Year	26.1%
5 Year	30.1%
10 Year
15 Year
Since launch	9.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	47.8%
2023	44.4%
2022	7.9%
2021	46.6%
2020	-0.1%
2019	13.3%
2018	-14.6%
2017	42.2%
2016	-2.2%
2015	-6.2%

Fund Manager information for LIC MF Infrastructure Fund

Name	Since	Tenure
Yogesh Patil	18 Sep 20	4.96 Yr.
Mahesh Bendre	1 Jul 24	1.17 Yr.

Data below for LIC MF Infrastructure Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Industrials	49.62%
Basic Materials	8.63%
Financial Services	8.16%
Consumer Cyclical	6.96%
Utility	6.68%
Technology	4.17%
Health Care	3.87%
Real Estate	3.65%
Communication Services	2.48%
Energy	0.92%

Asset Allocation

Asset Class	Value
Cash	4.87%
Equity	95.13%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shakti Pumps (India) Ltd (Industrials) Equity, Since 31 Mar 24 \| SHAKTIPUMP	6%	₹62 Cr	693,857 ↑ 217,865
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Apr 09 \| LT	4%	₹40 Cr	109,584 ↑ 6,093
REC Ltd (Financial Services) Equity, Since 31 Jul 23 \| 532955	3%	₹36 Cr	911,009 ↑ 289,485
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 30 Jun 25 \| APOLLOHOSP	3%	₹35 Cr	46,843 ↑ 6,976
Garware Hi-Tech Films Ltd (Basic Materials) Equity, Since 31 Aug 23 \| 500655	3%	₹33 Cr	94,287
Schneider Electric Infrastructure Ltd (Industrials) Equity, Since 31 Dec 23 \| SCHNEIDER	3%	₹32 Cr	319,302
Afcons Infrastructure Ltd (Industrials) Equity, Since 31 Oct 24 \| AFCONS	3%	₹31 Cr	769,765
Tata Power Co Ltd (Utilities) Equity, Since 29 Feb 24 \| 500400	3%	₹29 Cr	724,927
Avalon Technologies Ltd (Technology) Equity, Since 31 Jul 23 \| AVALON	3%	₹26 Cr	310,615 ↓ -6,871
Mahindra Lifespace Developers Ltd (Real Estate) Equity, Since 30 Jun 24 \| MAHLIFE	2%	₹25 Cr	666,245

8. 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 (₹7,377 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 29.68% (lower mid).
3Y return: 27.43% (upper mid).
1Y return: -7.66% (lower mid).
Alpha: -4.86 (bottom quartile).
Sharpe: -0.65 (bottom quartile).
Information ratio: 1.02 (top quartile).

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 (02 Sep 25)	₹340.911 ↑ 2.23 (0.66 %)
Net Assets (Cr)	₹7,377 on 31 Jul 25
Category	Equity - Sectoral
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.85
Sharpe Ratio	-0.65
Information Ratio	1.02
Alpha Ratio	-4.86
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 Aug 20	₹10,000
31 Aug 21	₹16,203
31 Aug 22	₹17,964
31 Aug 23	₹24,415
31 Aug 24	₹40,684
31 Aug 25	₹36,526

Nippon India Power and Infra 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 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 2 Sep 25

Duration	Returns
1 Month	0.7%
3 Month	-0.8%
6 Month	20%
1 Year	-7.7%
3 Year	27.4%
5 Year	29.7%
10 Year
15 Year
Since launch	18%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	26.9%
2023	58%
2022	10.9%
2021	48.9%
2020	10.8%
2019	-2.9%
2018	-21.1%
2017	61.7%
2016	0.1%
2015	0.3%

Fund Manager information for Nippon India Power and Infra Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	7.28 Yr.
Rahul Modi	19 Aug 24	1.04 Yr.

Data below for Nippon India Power and Infra Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Industrials	36.81%
Utility	23.31%
Energy	9.39%
Basic Materials	7.62%
Communication Services	6.62%
Consumer Cyclical	5.95%
Real Estate	2.85%
Financial Services	2.21%
Health Care	2.13%
Technology	1.83%

Asset Allocation

Asset Class	Value
Cash	1.28%
Equity	98.72%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 18 \| RELIANCE	8%	₹594 Cr	4,275,000 ↑ 75,000
NTPC Ltd (Utilities) Equity, Since 31 May 09 \| 532555	8%	₹558 Cr	16,699,999
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 18 \| BHARTIARTL	7%	₹488 Cr	2,550,000 ↓ -50,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 07 \| LT	6%	₹442 Cr	1,214,337 ↓ -100,000
Tata Power Co Ltd (Utilities) Equity, Since 30 Apr 23 \| 500400	4%	₹314 Cr	7,900,789
CG Power & Industrial Solutions Ltd (Industrials) Equity, Since 30 Sep 24 \| 500093	3%	₹239 Cr	3,617,014 ↑ 509,091
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Oct 19 \| 532538	3%	₹214 Cr	175,000
Bharat Heavy Electricals Ltd (Industrials) Equity, Since 30 Sep 24 \| 500103	3%	₹208 Cr	8,713,730
Kaynes Technology India Ltd (Industrials) Equity, Since 30 Nov 22 \| KAYNES	3%	₹208 Cr	336,227
Carborundum Universal Ltd (Industrials) Equity, Since 30 Sep 23 \| CARBORUNIV	2%	₹168 Cr	1,800,000

9. Kotak Infrastructure & Economic Reform Fund

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

Research Highlights for Kotak Infrastructure & Economic Reform Fund

Lower mid AUM (₹2,388 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 29.28% (bottom quartile).
3Y return: 21.04% (bottom quartile).
1Y return: -8.42% (lower mid).
Alpha: -3.87 (bottom quartile).
Sharpe: -0.54 (upper mid).
Information ratio: 0.05 (upper mid).

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

Kotak Infrastructure & Economic Reform Fund Growth
Launch Date	25 Feb 08
NAV (02 Sep 25)	₹64.407 ↑ 0.06 (0.09 %)
Net Assets (Cr)	₹2,388 on 31 Jul 25
Category	Equity - Sectoral
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	High
Expense Ratio	2.01
Sharpe Ratio	-0.54
Information Ratio	0.05
Alpha Ratio	-3.87
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 Aug 20	₹10,000
31 Aug 21	₹17,231
31 Aug 22	₹20,526
31 Aug 23	₹25,737
31 Aug 24	₹39,858
31 Aug 25	₹35,926

Kotak Infrastructure & Economic Reform 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 Kotak Infrastructure & Economic Reform Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

Duration	Returns
1 Month	0.3%
3 Month	-1.3%
6 Month	23.1%
1 Year	-8.4%
3 Year	21%
5 Year	29.3%
10 Year
15 Year
Since launch	11.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	32.4%
2023	37.3%
2022	15.6%
2021	57.3%
2020	3.4%
2019	3.6%
2018	-19.6%
2017	45.3%
2016	9.2%
2015	-0.2%

Fund Manager information for Kotak Infrastructure & Economic Reform Fund

Name	Since	Tenure
Nalin Bhatt	1 Oct 23	1.92 Yr.

Data below for Kotak Infrastructure & Economic Reform Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Industrials	44.55%
Basic Materials	14.91%
Communication Services	10.97%
Consumer Cyclical	10.29%
Energy	8.35%
Utility	4.88%
Real Estate	2.05%
Financial Services	1.72%
Technology	1.21%

Asset Allocation

Asset Class	Value
Cash	0.97%
Equity	99.03%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 20 \| BHARTIARTL	7%	₹177 Cr	927,000
Reliance Industries Ltd (Energy) Equity, Since 31 Mar 25 \| RELIANCE	5%	₹125 Cr	900,000
Larsen & Toubro Ltd (Industrials) Equity, Since 28 Feb 15 \| LT	5%	₹113 Cr	310,000
Shree Cement Ltd (Basic Materials) Equity, Since 31 Dec 11 \| 500387	5%	₹108 Cr	35,000
Solar Industries India Ltd (Basic Materials) Equity, Since 31 Oct 15 \| SOLARINDS	3%	₹77 Cr	54,000 ↓ -18,000
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Mar 15 \| 532538	3%	₹73 Cr	60,000
Kalpataru Projects International Ltd (Industrials) Equity, Since 31 Aug 17 \| KPIL	3%	₹73 Cr	639,927
Bosch Ltd (Consumer Cyclical) Equity, Since 30 Sep 24 \| 500530	3%	₹71 Cr	17,500
Kajaria Ceramics Ltd (Industrials) Equity, Since 31 Oct 16 \| 500233	3%	₹60 Cr	510,000 ↓ -90,000
VST Tillers Tractors Ltd (Industrials) Equity, Since 30 Apr 24 \| VSTTILLERS	3%	₹60 Cr	130,659

10. 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 (₹5,278 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 29.22% (bottom quartile).
3Y return: 29.51% (top quartile).
1Y return: -9.41% (bottom quartile).
Alpha: 0.19 (top quartile).
Sharpe: -0.78 (bottom quartile).
Information ratio: -0.27 (bottom quartile).

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (02 Sep 25)	₹30.9967 ↑ 0.28 (0.90 %)
Net Assets (Cr)	₹5,278 on 31 Jul 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.78
Information Ratio	-0.27
Alpha Ratio	0.19
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 Aug 20	₹10,000
31 Aug 21	₹14,312
31 Aug 22	₹16,867
31 Aug 23	₹22,201
31 Aug 24	₹40,343
31 Aug 25	₹35,635

SBI PSU 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 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 2 Sep 25

Duration	Returns
1 Month	0.3%
3 Month	-3.3%
6 Month	16.9%
1 Year	-9.4%
3 Year	29.5%
5 Year	29.2%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23.5%
2023	54%
2022	29%
2021	32.4%
2020	-10%
2019	6%
2018	-23.8%
2017	21.9%
2016	16.2%
2015	-11.1%

Fund Manager information for SBI PSU Fund

Name	Since	Tenure
Rohit Shimpi	1 Jun 24	1.25 Yr.

Data below for SBI PSU Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Financial Services	34.8%
Utility	29.58%
Energy	15.36%
Industrials	12.07%
Basic Materials	5.49%

Asset Allocation

Asset Class	Value
Cash	2.6%
Equity	97.31%
Debt	0.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	14%	₹735 Cr	9,227,500 ↑ 650,000
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	9%	₹497 Cr	12,975,000
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| 532555	9%	₹486 Cr	14,543,244 ↑ 2,400,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| 532898	9%	₹481 Cr	16,535,554 ↑ 1,400,000
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| 532155	9%	₹458 Cr	25,750,000
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| 500547	6%	₹319 Cr	9,700,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| 532134	5%	₹262 Cr	11,000,000
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| 526371	4%	₹198 Cr	27,900,000
Oil India Ltd (Energy) Equity, Since 31 Mar 24 \| OIL	3%	₹169 Cr	3,850,000
General Insurance Corp of India (Financial Services) Equity, Since 31 May 24 \| 540755	3%	₹163 Cr	4,150,000

11. Franklin India Smaller Companies Fund

The Fund seeks to provide long-term capital appreciation by investing in mid and small cap companies.

Research Highlights for Franklin India Smaller Companies Fund

Highest AUM (₹13,825 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 29.14% (bottom quartile).
3Y return: 22.56% (bottom quartile).
1Y return: -9.33% (bottom quartile).
Alpha: -5.51 (bottom quartile).
Sharpe: -0.59 (lower mid).
Information ratio: -0.06 (bottom quartile).

Below is the key information for Franklin India Smaller Companies Fund

Franklin India Smaller Companies Fund Growth
Launch Date	13 Jan 06
NAV (02 Sep 25)	₹168.29 ↑ 0.73 (0.44 %)
Net Assets (Cr)	₹13,825 on 31 Jul 25
Category	Equity - Small Cap
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.72
Sharpe Ratio	-0.59
Information Ratio	-0.06
Alpha Ratio	-5.51
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 Aug 20	₹10,000
31 Aug 21	₹18,194
31 Aug 22	₹19,752
31 Aug 23	₹27,174
31 Aug 24	₹40,276
31 Aug 25	₹35,949

Franklin India Smaller Companies 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 Franklin India Smaller Companies Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

Duration	Returns
1 Month	-1.1%
3 Month	-2%
6 Month	17.5%
1 Year	-9.3%
3 Year	22.6%
5 Year	29.1%
10 Year
15 Year
Since launch	15.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23.2%
2023	52.1%
2022	3.6%
2021	56.4%
2020	18.7%
2019	-5%
2018	-17.4%
2017	43.5%
2016	10.2%
2015	9.6%

Fund Manager information for Franklin India Smaller Companies Fund

Name	Since	Tenure
R. Janakiraman	1 Feb 11	14.59 Yr.
Sandeep Manam	18 Oct 21	3.87 Yr.
Akhil Kalluri	8 Sep 22	2.98 Yr.

Data below for Franklin India Smaller Companies Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	18.85%
Financial Services	17.1%
Industrials	16.95%
Health Care	12.14%
Basic Materials	10.14%
Technology	6.66%
Real Estate	4.57%
Consumer Defensive	3.86%
Utility	2.94%
Energy	0.96%

Asset Allocation

Asset Class	Value
Cash	5.69%
Equity	94.15%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Aster DM Healthcare Ltd Ordinary Shares (Healthcare) Equity, Since 31 Jul 23 \| ASTERDM	3%	₹443 Cr	7,329,408
Brigade Enterprises Ltd (Real Estate) Equity, Since 30 Jun 14 \| 532929	3%	₹390 Cr	3,868,691
Eris Lifesciences Ltd Registered Shs (Healthcare) Equity, Since 30 Sep 19 \| ERIS	2%	₹336 Cr	1,866,828
Syrma SGS Technology Ltd (Technology) Equity, Since 31 Aug 22 \| SYRMA	2%	₹296 Cr	3,916,115
Kalyan Jewellers India Ltd (Consumer Cyclical) Equity, Since 31 May 22 \| KALYANKJIL	2%	₹295 Cr	4,963,469
Equitas Small Finance Bank Ltd Ordinary Shares (Financial Services) Equity, Since 31 Oct 20 \| EQUITASBNK	2%	₹285 Cr	48,064,081
CCL Products (India) Ltd (Consumer Defensive) Equity, Since 30 Apr 19 \| CCL	2%	₹278 Cr	3,260,279
Karur Vysya Bank Ltd (Financial Services) Equity, Since 31 Oct 12 \| 590003	2%	₹278 Cr	10,542,130 ↓ -3,316,913
Zensar Technologies Ltd (Technology) Equity, Since 28 Feb 23 \| ZENSARTECH	2%	₹260 Cr	3,220,340
J.B. Chemicals & Pharmaceuticals Ltd (Healthcare) Equity, Since 30 Jun 14 \| JBCHEPHARM	2%	₹256 Cr	1,448,723

How to Start a SIP in 2025 – A Practical Guide

Investing in a Systematic Investment plan (SIP) is a smart way to build wealth steadily, but it’s important to follow a clear process aligned with your goals and capacity. Here’s a step-by-step guide with examples to help you start your SIP journey confidently:

1. Analyse Your Financial Goals

Before investing, define what you want to achieve:

Short-term goal example: Buying a car in 2 years → Choose Debt Mutual Funds or Ultra short-term funds that are less volatile and safer.
Medium-term goal example: Funding a child’s higher education in 5-7 years → Consider Balanced or Hybrid Funds that balance risk and growth.
Long-term goal example: Retirement planning 15+ years away → Opt for Equity Mutual Funds for higher growth potential.

Example: If you plan to buy a house in 3 years, putting your money into a Debt fund SIP is safer than equity, which can be volatile in the short term.

2. Choose Your Investment Timeline

Decide how long you can stay invested without withdrawing. Longer timelines generally allow you to take more risk for higher returns.

For 5 years or less → Lean towards safer debt or Balanced Fund.
For 7+ years → Equity Funds can offer better growth.

Example: A 30-year-old investor saving for retirement in 30 years can afford a 15-year or more horizon, choosing an equity SIP for compounding benefits.

3. Decide Your Monthly SIP Amount

Calculate how much you can comfortably invest every month without affecting your daily expenses. Use SIP calculators available on platforms like Fincash to estimate future value based on expected returns.

Example: If your goal is to accumulate ₹20 lakhs in 10 years and average returns are 12%, a monthly SIP of approximately ₹12,000 might be needed.

4. Select the Best SIP Plan

Research SIP mutual funds based on performance, risk, and expenses.
Use trusted platforms or consult a certified financial advisor.
Look for funds with consistent 5-year+ performance and a good fund manager track record.

Example: If you want a Large cap fund, SBI Bluechip Fund may be a good choice based on its historical stability and returns.

5. Monitor and Review Your SIP

Track your SIP performance every 6-12 months.
Don’t panic during market dips; SIPs are designed to average out volatility.
Rebalance or switch funds if your goals or market conditions change.

Example: If after 3 years, your SIP is underperforming or your Financial goals change, consider consulting an advisor to review or adjust your investments.

Bonus Tip: Automate Your SIP Set up auto-debit instructions from your Bank account to your SIP fund to ensure consistent investing without missing payments.

This practical approach helps you tailor SIP investments to your unique financial situation, maximising benefits while managing risk effectively.

How to Invest in SIP MF Online?

Open Free Investment Account for Lifetime at Fincash.com

Complete your Registration and KYC Process

Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!

Get Started

Begin your investment journey with SIP today!

Parameters to Consider While Investing in Best Systematic Investment Plans

To evaluate best performing SIP Funds, let’s know the factors that one must consider before investing.

Quantitative Factors to Invest in Top SIP

The quantitative factors one must consider before investing via SIP include:

Performance ratings from CRISIL, Value Research, and other trusted agencies.
Fund age and history of consistent returns over at least 5 years.
Fund volatility and risk measures such as Standard Deviation.
Expense ratio — lower is generally better, ideally under 2%.
Exit load policies affecting liquidity and costs.

Qualitative Factors to Invest in Top SIP

Qualitative key statistics to analyse include:

The fund manager’s track record and tenure with the fund.
The reputation and stability of the Asset Management Company (AMC).
The investment philosophy and process followed by the fund.
Transparency and communication with investors.

FAQs

1. What are mutual funds?

A: Mutual funds pool money from many investors to invest in diversified securities managed by professional fund managers.

2. What types of mutual funds exist?

A: Equity, debt, balanced, liquid, tax-saving (ELSS), gilt, and ETFs.

3. What are growth equity funds?

A: Funds focusing on stocks with potential for Capital appreciation, though with higher volatility.

4. Why invest in debt funds?

A: Ideal for investors seeking regular Fixed Income with lower risk.

5. Why invest via SIPs?

A: SIPs promote disciplined investing, reduce timing risk, and harness compounding for wealth creation.

6. What are tax-saving mutual funds?

A: Equity-linked saving schemes (ELSS) offer tax benefits under Section 80C with potential for capital growth.

7. Do I need a broker to invest in mutual funds?

A: You can invest directly via platforms like Fincash or through brokers/advisors for tailored guidance.

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.