+91-22-48913909How to Invest in Mutual Funds During Coronavirus Lockdown in India?
Corona Virus is becoming a major concern for every nation across the globe. India is on lockdown till April 15, 2020. India joined the bandwagon on the midnight of 24th March 2020 following PM Narendra Modi’s speech.
The market has experienced the fastest fall in history and stocks have become extremely cheap in the market. Everything except essential services will remain open during this time. Mutual fund offices are also operating with minimum staff at this time. However, they are trying and doing their best to keep the services running smoothly and efficiently.
According to a report, the Association of Mutual Funds in India informed SEBI the difficulties that are likely to take place in the daily operation of mutual funds. However, the authorities have been doing a great job to maintain market stability as much as possible.
Investors should invest cautiously and smartly at this crucial phase. Make use of staggered investments like Systematic Investment plan (SIP) and Systematic Transfer Plan (STPs). SIPs is recommended since it allows the investor to be disciplined and build long-term wealth. STP is recommended in volatile market conditions.
Investors who Invested through Paper and Cheque?
If you have invested via paper and cheque route you can still carry on transactions to your fund folios using the online mode. Here are a few steps to follow:
- Go to the AMCsofficial website online or app on your smartphone
- Register yourself with PAN number, email id and mobile number that’s linked with your fund folio
- You will receive an OTP on your registered email id and phone number
- Use it to verify your identity on your online account and redeem your investments. You can now sell, switch or even purchase new units
Talk to our investment specialist
Authorities Urge Investors To Go Online
The report also stated that there could be a delay in publishing Net Asset Value (NAV). However, authorities have stated that as long as telecom networks are fully functional they don’t see any issues in servicing investors’ requirements. Investors can use the website and mobile applications for transactions. Some AMCs have also passed an addendum to enable investors to email their transactions to them. They will have it processed provided the investors have a registered email id.
Mutual Fund company employees will be working from home to allow the smooth functioning of transactions through online modes.
In an advertisement issued in the public interest, AMFI said that Mutual funds will be keeping their collection centres/branch offices closed from March 23, 2020, and allow purely online transactions through various electronic modes like mutual fund websites, web portals, digital platforms, apps or virtual channels, etc., until the situation comes under control and social distancing is withdrawn by the authorities. This to ensure safety through social distancing for investors, distributors, visitors, employees of mutual funds.
How to Invest in Mutual Funds During Coronavirus Pandemic?
Well, the only way to invest in Mutual Funds is by becoming tech-savvy and going online. Leading experts say that this isn’t the time to be fearful, but to take advantage. They advise continuing with investment as the industry is well prepared to protect customers interest even as the Covid-19 crisis continues.
Fund Selection Methodology used to find 10 funds
1. Invest in Liquid Mutual Funds
Investing in Liquid Funds is advisable as they are a low-risk fund.. It invests in the certificate of deposits, T-bills, commercial papers and term deposits. You can withdraw your money within a 24-hr period. Some AMCs even have the option of instant redemption in liquid funds.
Fund NAV Net Assets (Cr) 1 MO (%) 3 MO (%) 6 MO (%) 1 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Indiabulls Liquid Fund Growth ₹2,609.02
↑ 0.39 ₹165 0.5 1.4 2.9 6.4 6.6 6.02% 2M 2M 1D PGIM India Insta Cash Fund Growth ₹351.231
↑ 0.05 ₹505 0.5 1.4 2.9 6.4 6.5 5.96% 1M 11D 1M 13D JM Liquid Fund Growth ₹73.5728
↑ 0.01 ₹2,851 0.5 1.4 2.8 6.3 6.4 5.91% 1M 10D 1M 14D Axis Liquid Fund Growth ₹3,004.5
↑ 0.44 ₹35,653 0.5 1.4 2.9 6.4 6.6 6.06% 1M 28D 2M 2D Aditya Birla Sun Life Liquid Fund Growth ₹434.75
↑ 0.07 ₹47,273 0.5 1.4 2.9 6.4 6.5 6.19% 2M 1D 2M 1D Tata Liquid Fund Growth ₹4,249.4
↑ 0.60 ₹18,946 0.5 1.4 2.9 6.4 6.5 6.08% 1M 28D 1M 28D Invesco India Liquid Fund Growth ₹3,708.51
↑ 0.55 ₹16,203 0.5 1.4 2.9 6.4 6.5 5.92% 1M 14D 1M 14D ICICI Prudential Liquid Fund Growth ₹399.357
↑ 0.06 ₹45,244 0.5 1.4 2.9 6.3 6.5 6.04% 1M 17D 1M 21D Nippon India Liquid Fund Growth ₹6,583.14
↑ 0.96 ₹27,591 0.5 1.4 2.8 6.3 6.5 8.73% 2Y 25D 2Y 5M 12D Baroda Pioneer Liquid Fund Growth ₹3,101.23
↑ 0.45 ₹9,334 0.5 1.4 2.9 6.3 6.4 6.01% 1M 18D 1M 18D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jan 26 Research Highlights & Commentary of 10 Funds showcased
Commentary Indiabulls Liquid Fund PGIM India Insta Cash Fund JM Liquid Fund Axis Liquid Fund Aditya Birla Sun Life Liquid Fund Tata Liquid Fund Invesco India Liquid Fund ICICI Prudential Liquid Fund Nippon India Liquid Fund Baroda Pioneer Liquid Fund Point 1 Bottom quartile AUM (₹165 Cr). Bottom quartile AUM (₹505 Cr). Bottom quartile AUM (₹2,851 Cr). Upper mid AUM (₹35,653 Cr). Highest AUM (₹47,273 Cr). Upper mid AUM (₹18,946 Cr). Lower mid AUM (₹16,203 Cr). Top quartile AUM (₹45,244 Cr). Upper mid AUM (₹27,591 Cr). Lower mid AUM (₹9,334 Cr). Point 2 Established history (14+ yrs). Established history (18+ yrs). Oldest track record among peers (28 yrs). Established history (16+ yrs). Established history (21+ yrs). Established history (21+ yrs). Established history (19+ yrs). Established history (20+ yrs). Established history (22+ yrs). Established history (16+ yrs). Point 3 Top rated. Rating: 5★ (top quartile). Rating: 5★ (upper mid). Rating: 4★ (upper mid). Rating: 4★ (upper mid). Rating: 4★ (lower mid). Rating: 4★ (lower mid). Rating: 4★ (bottom quartile). Rating: 4★ (bottom quartile). Rating: 4★ (bottom quartile). Point 4 Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 6.40% (top quartile). 1Y return: 6.38% (upper mid). 1Y return: 6.26% (bottom quartile). 1Y return: 6.41% (top quartile). 1Y return: 6.38% (upper mid). 1Y return: 6.38% (upper mid). 1Y return: 6.38% (lower mid). 1Y return: 6.35% (lower mid). 1Y return: 6.35% (bottom quartile). 1Y return: 6.30% (bottom quartile). Point 6 1M return: 0.46% (bottom quartile). 1M return: 0.47% (top quartile). 1M return: 0.45% (bottom quartile). 1M return: 0.47% (upper mid). 1M return: 0.47% (upper mid). 1M return: 0.47% (lower mid). 1M return: 0.47% (lower mid). 1M return: 0.47% (upper mid). 1M return: 0.46% (bottom quartile). 1M return: 0.47% (top quartile). Point 7 Sharpe: 3.18 (upper mid). Sharpe: 3.16 (lower mid). Sharpe: 2.52 (bottom quartile). Sharpe: 3.47 (top quartile). Sharpe: 3.21 (upper mid). Sharpe: 3.23 (upper mid). Sharpe: 3.28 (top quartile). Sharpe: 2.99 (bottom quartile). Sharpe: 3.05 (lower mid). Sharpe: 2.75 (bottom quartile). Point 8 Information ratio: -0.71 (bottom quartile). Information ratio: -0.10 (lower mid). Information ratio: -1.88 (bottom quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: -0.22 (lower mid). Information ratio: 0.00 (upper mid). Information ratio: -0.84 (bottom quartile). Point 9 Yield to maturity (debt): 6.02% (lower mid). Yield to maturity (debt): 5.96% (bottom quartile). Yield to maturity (debt): 5.91% (bottom quartile). Yield to maturity (debt): 6.06% (upper mid). Yield to maturity (debt): 6.19% (top quartile). Yield to maturity (debt): 6.08% (upper mid). Yield to maturity (debt): 5.92% (bottom quartile). Yield to maturity (debt): 6.04% (upper mid). Yield to maturity (debt): 8.73% (top quartile). Yield to maturity (debt): 6.01% (lower mid). Point 10 Modified duration: 0.17 yrs (bottom quartile). Modified duration: 0.11 yrs (top quartile). Modified duration: 0.11 yrs (top quartile). Modified duration: 0.16 yrs (lower mid). Modified duration: 0.17 yrs (bottom quartile). Modified duration: 0.16 yrs (lower mid). Modified duration: 0.12 yrs (upper mid). Modified duration: 0.13 yrs (upper mid). Modified duration: 2.07 yrs (bottom quartile). Modified duration: 0.13 yrs (upper mid). Indiabulls Liquid Fund
PGIM India Insta Cash Fund
JM Liquid Fund
Axis Liquid Fund
Aditya Birla Sun Life Liquid Fund
Tata Liquid Fund
Invesco India Liquid Fund
ICICI Prudential Liquid Fund
Nippon India Liquid Fund
Baroda Pioneer Liquid Fund
2. Invest in SIPs
SIP is the ideal way to invest in mutual funds. Many AMCsoffer the privilege of video KYC. In this way, you can start investing without having to visit the Bank. Upload PAN Card photograph, Aadhar card copy and fill the necessary requirements.
Some great news from the Market
1. L&T launches two new mutual funds
Larsen & Turbo (L&T) Mutual Fund launched two new mutual funds called Nifty50 and NiftyNext50 Index Funds on 24th March 2020. This was done after testing the remote access of various functions of mutual funds over the past few weeks after the coronavirus-led disruption into eh daily operations of the stock market. They took this action despite most of their employees working from home.
2. Consumption Industry to remain unaffected
As per the experts, the consumption industry will not be affected by the lockdown as consumers will continue to purchase goods and services for consumption. Many are also hoarding goods for meeting their daily needs. This will help the industry stay stable during the lockdown.
Best SIP Mutual Funds to Invest in 2026 - 2027
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. Below is the key information for SBI PSU Fund Returns up to 1 year are on "The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized." Research Highlights for DSP World Gold Fund Below is the key information for DSP World Gold Fund Returns up to 1 year are on 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 Below is the key information for ICICI Prudential Infrastructure Fund Returns up to 1 year are on 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 Below is the key information for Invesco India PSU Equity Fund Returns up to 1 year are on 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 Below is the key information for HDFC Infrastructure Fund Returns up to 1 year are on Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) SBI PSU Fund Growth ₹34.8666
↑ 1.01 ₹5,817 500 4.8 10.9 23.5 31.7 30.4 11.3 DSP World Gold Fund Growth ₹66.1226
↑ 0.58 ₹1,756 500 62.3 110.3 200.3 55 29.9 167.1 ICICI Prudential Infrastructure Fund Growth ₹190.14
↑ 3.06 ₹8,134 100 -5.3 -1.6 9.8 24.3 29.3 6.7 Invesco India PSU Equity Fund Growth ₹68.56
↑ 2.71 ₹1,449 500 4.7 9.7 25.5 32.3 28.5 10.3 HDFC Infrastructure Fund Growth ₹46.084
↑ 0.68 ₹2,452 300 -5 -2.5 8.7 25.7 26.7 2.2 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jan 26 Research Highlights & Commentary of 5 Funds showcased
Commentary SBI PSU Fund DSP World Gold Fund ICICI Prudential Infrastructure Fund Invesco India PSU Equity Fund HDFC Infrastructure Fund Point 1 Upper mid AUM (₹5,817 Cr). Bottom quartile AUM (₹1,756 Cr). Highest AUM (₹8,134 Cr). Bottom quartile AUM (₹1,449 Cr). Lower mid AUM (₹2,452 Cr). Point 2 Established history (15+ yrs). Established history (18+ yrs). Oldest track record among peers (20 yrs). Established history (16+ yrs). Established history (17+ yrs). Point 3 Rating: 2★ (bottom quartile). Top rated. Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Point 4 Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: High. Point 5 5Y return: 30.38% (top quartile). 5Y return: 29.86% (upper mid). 5Y return: 29.34% (lower mid). 5Y return: 28.54% (bottom quartile). 5Y return: 26.73% (bottom quartile). Point 6 3Y return: 31.73% (lower mid). 3Y return: 55.00% (top quartile). 3Y return: 24.31% (bottom quartile). 3Y return: 32.30% (upper mid). 3Y return: 25.72% (bottom quartile). Point 7 1Y return: 23.52% (lower mid). 1Y return: 200.31% (top quartile). 1Y return: 9.82% (bottom quartile). 1Y return: 25.50% (upper mid). 1Y return: 8.73% (bottom quartile). Point 8 Alpha: -0.22 (bottom quartile). Alpha: 1.32 (top quartile). Alpha: 0.00 (upper mid). Alpha: -1.90 (bottom quartile). Alpha: 0.00 (lower mid). Point 9 Sharpe: 0.33 (upper mid). Sharpe: 3.42 (top quartile). Sharpe: 0.12 (bottom quartile). Sharpe: 0.27 (lower mid). Sharpe: -0.12 (bottom quartile). Point 10 Information ratio: -0.47 (bottom quartile). Information ratio: -0.67 (bottom quartile). Information ratio: 0.00 (top quartile). Information ratio: -0.37 (lower mid). Information ratio: 0.00 (upper mid). SBI PSU Fund
DSP World Gold Fund
ICICI Prudential Infrastructure Fund
Invesco India PSU Equity Fund
HDFC Infrastructure Fund
200 Crore in Equity Category of mutual funds ordered based on 5 year CAGR returns.
1. SBI PSU Fund
SBI PSU Fund
Growth Launch Date 7 Jul 10 NAV (28 Jan 26) ₹34.8666 ↑ 1.01 (2.99 %) Net Assets (Cr) ₹5,817 on 31 Dec 25 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating ☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio 0.33 Information Ratio -0.47 Alpha Ratio -0.22 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value Returns for SBI PSU Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26 Duration Returns 1 Month 4.6% 3 Month 4.8% 6 Month 10.9% 1 Year 23.5% 3 Year 31.7% 5 Year 30.4% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 11.3% 2023 23.5% 2022 54% 2021 29% 2020 32.4% 2019 -10% 2018 6% 2017 -23.8% 2016 21.9% 2015 16.2% Fund Manager information for SBI PSU Fund
Name Since Tenure Data below for SBI PSU Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 2. DSP World Gold Fund
DSP World Gold Fund
Growth Launch Date 14 Sep 07 NAV (27 Jan 26) ₹66.1226 ↑ 0.58 (0.89 %) Net Assets (Cr) ₹1,756 on 31 Dec 25 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.41 Sharpe Ratio 3.42 Information Ratio -0.67 Alpha Ratio 1.32 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value Returns for DSP World Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26 Duration Returns 1 Month 20.8% 3 Month 62.3% 6 Month 110.3% 1 Year 200.3% 3 Year 55% 5 Year 29.9% 10 Year 15 Year Since launch 10.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 167.1% 2023 15.9% 2022 7% 2021 -7.7% 2020 -9% 2019 31.4% 2018 35.1% 2017 -10.7% 2016 -4% 2015 52.7% Fund Manager information for DSP World Gold Fund
Name Since Tenure Data below for DSP World Gold Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 3. ICICI Prudential Infrastructure Fund
ICICI Prudential Infrastructure Fund
Growth Launch Date 31 Aug 05 NAV (28 Jan 26) ₹190.14 ↑ 3.06 (1.64 %) Net Assets (Cr) ₹8,134 on 31 Dec 25 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio 0.12 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value Returns for ICICI Prudential Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26 Duration Returns 1 Month -3% 3 Month -5.3% 6 Month -1.6% 1 Year 9.8% 3 Year 24.3% 5 Year 29.3% 10 Year 15 Year Since launch 15.5% 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 Data below for ICICI Prudential Infrastructure Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 4. Invesco India PSU Equity Fund
Invesco India PSU Equity Fund
Growth Launch Date 18 Nov 09 NAV (28 Jan 26) ₹68.56 ↑ 2.71 (4.12 %) Net Assets (Cr) ₹1,449 on 31 Dec 25 Category Equity - Sectoral AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk High Expense Ratio 2.14 Sharpe Ratio 0.27 Information Ratio -0.37 Alpha Ratio -1.9 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value Returns for Invesco India PSU Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26 Duration Returns 1 Month 5.1% 3 Month 4.7% 6 Month 9.7% 1 Year 25.5% 3 Year 32.3% 5 Year 28.5% 10 Year 15 Year Since launch 12.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 10.3% 2023 25.6% 2022 54.5% 2021 20.5% 2020 31.1% 2019 6.1% 2018 10.1% 2017 -16.9% 2016 24.3% 2015 17.9% Fund Manager information for Invesco India PSU Equity Fund
Name Since Tenure Data below for Invesco India PSU Equity Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 5. HDFC Infrastructure Fund
HDFC Infrastructure Fund
Growth Launch Date 10 Mar 08 NAV (28 Jan 26) ₹46.084 ↑ 0.68 (1.50 %) Net Assets (Cr) ₹2,452 on 31 Dec 25 Category Equity - Sectoral AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 2.06 Sharpe Ratio -0.13 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value Returns for HDFC Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26 Duration Returns 1 Month -2.6% 3 Month -5% 6 Month -2.5% 1 Year 8.7% 3 Year 25.7% 5 Year 26.7% 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 Data below for HDFC Infrastructure Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity
Conclusion
This is the best time to invest in mutual funds as you will be able to buy it at lower prices. Markets will go back to normal in a while according to experts.
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.
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Research Highlights for SBI PSU Fund