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Fincash » Coronavirus- A Guide to Investors

Why Should Investors Not Worry About Coronavirus?

Updated on December 2, 2021 , 420 views

Coronavirus is trending globally. With its massive outbreak in China, the country is experiencing a slowdown in its economic and fiscal growth. Other countries like the U.S, Singapore, UK, Malaysia, Thailand, etc., have felt some of the backfire as well.

The prices of various pharma products have gone up and the investors in the market are dead scared. And since India is one of the largest importers of Chinese products, the fear of a market meltdown has been in trend among the Indian investors.

Why Should Investors Not Worry About Coronavirus

Good News for Investors!

Industry experts have studied the entire situation and are waving the green flag in every investors’ direction.

According to a recent report, secretary of economic affairs, Atanu Chakraborty, said that the outbreak of coronavirus won’t hit the Indian economic activity. Moreover, the report also informed that the bankers said that they haven’t been able to see anything yet that would suggest an impact on the Economy.

Why Should you not Worry?

Historically, the market reaction to emerging diseases has been short-lived. If you see, Severe Acute Respiratory Syndrome (SARS) 2003, which was similar to coronavirus. In fact, it has affected to 8100 people and caused 770 deaths, but at that time SARS was the only thing when the stock bounced back.

Most notably, immense gains were followed after the swine flu crisis and a great rebound occurred after the Recession.

India has witnessed various outbreaks globally that have hit the Indian economy too. However, the economy bounces back and investors are always encouraged to invest more when the economy is facing a setback.

Short-term market fluctuations may not affect the returns of investors who focus on long-term investment as the market bounce backs in the long-run.

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Therefore, Focus on the Longterm!

Investors should stay cool and keep their focus on the long term gains. Avoid short-term market fluctuations, stay disciplined and stick to your asset.

Divide your funds into different sectors and diversify your portfolio. This one of the best ways to balance your risk and returns. This way, if one fund fails to perform, other funds can balance the returns.

You can best opt for SIP mode through Mutual Funds, where a small amount is invested in Equity Funds over a regular interval. As a SIP gives the benefit of the Power of Compounding and rupee cost averaging, the short-term pitfalls of the market doesn’t much affect your portfolio. The returns over the long-run are positive.

Best Performing SIP Funds to Invest FY 21 - 22

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2020 (%)
ICICI Prudential Technology Fund Growth ₹163.02
↓ -1.00
₹6,887 100 6.338.381.542.133.670.6
TATA Digital India Fund Growth ₹38.2451
↓ -0.30
₹3,842 500 6.337.482.439.433.554.8
Aditya Birla Sun Life Digital India Fund Growth ₹140.42
↓ -0.81
₹2,658 1,000 6.732.876.740.53359
SBI Technology Opportunities Fund Growth ₹156.393
↓ -0.83
₹1,891 500 534.472.736.629.447.3
Franklin India Technology Fund Growth ₹355.425
↑ 4.87
₹721 500 3.625.246.732.926.856.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Dec 21
*List of best mutual funds SIP's having Net Assets/ AUM more than 200 Crore in Equity Category of mutual funds ordered based on 5 year CAGR returns.

1. ICICI Prudential Technology Fund

To generate long-term capital appreciation for you from a portfolio made up predominantly of equity and equity-related securities of technology intensive companies.

ICICI Prudential Technology Fund is a Equity - Sectoral fund was launched on 3 Mar 00. It is a fund with High risk and has given a CAGR/Annualized return of 13.7% since its launch.  Ranked 37 in Sectoral category.  Return for 2020 was 70.6% , 2019 was 2.3% and 2018 was 19.1% .

Below is the key information for ICICI Prudential Technology Fund

ICICI Prudential Technology Fund
Growth
Launch Date 3 Mar 00
NAV (03 Dec 21) ₹163.02 ↓ -1.00   (-0.61 %)
Net Assets (Cr) ₹6,887 on 31 Oct 21
Category Equity - Sectoral
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.53
Sharpe Ratio 4.5
Information Ratio 0.5
Alpha Ratio 29.87
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.

DateValue
30 Nov 16₹10,000
30 Nov 17₹11,642
30 Nov 18₹14,597
30 Nov 19₹14,571
30 Nov 20₹22,704
30 Nov 21₹41,805

ICICI Prudential Technology Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 Technology Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Dec 21

DurationReturns
1 Month 1.3%
3 Month 6.3%
6 Month 38.3%
1 Year 81.5%
3 Year 42.1%
5 Year 33.6%
10 Year
15 Year
Since launch 13.7%
Historical performance (Yearly) on absolute basis
YearReturns
2020 70.6%
2019 2.3%
2018 19.1%
2017 19.8%
2016 -4%
2015 3.9%
2014 26.3%
2013 62.6%
2012 17.1%
2011 -18.9%
Fund Manager information for ICICI Prudential Technology Fund
NameSinceTenure
Priyanka Khandelwal8 Jul 201.32 Yr.
Vaibhav Dusad2 May 201.5 Yr.

Data below for ICICI Prudential Technology Fund as on 31 Oct 21

Equity Sector Allocation
SectorValue
Technology82.78%
Communication Services10.49%
Industrials3.45%
Consumer Cyclical0.43%
Consumer Defensive0.09%
Asset Allocation
Asset ClassValue
Cash2.77%
Equity97.23%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Infosys Ltd (Technology)
Equity, Since 30 Apr 08 | INFY
22%₹1,494 Cr8,957,330
↑ 1,831,327
Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Sep 19 | TCS
9%₹646 Cr1,901,982
↑ 470,000
HCL Technologies Ltd (Technology)
Equity, Since 30 Sep 20 | HCLTECH
9%₹636 Cr5,560,768
↑ 904,224
Tech Mahindra Ltd (Technology)
Equity, Since 31 Oct 16 | 532755
9%₹611 Cr4,132,059
↑ 107,956
Persistent Systems Ltd (Technology)
Equity, Since 31 May 20 | PERSISTENT
6%₹401 Cr1,022,168
↑ 151,873
Mphasis Ltd (Technology)
Equity, Since 30 Jun 20 | 526299
4%₹301 Cr928,928
↑ 302,772
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 20 | BHARTIARTL
4%₹249 Cr3,630,200
↑ 410,379
Cognizant Technology Solutions Corp Class A (Technology)
Equity, Since 31 Jul 21 | CTSH
3%₹236 Cr404,000
↑ 194,000
Wipro Ltd (Technology)
Equity, Since 30 Sep 19 | 507685
3%₹180 Cr2,777,397
↑ 955,947
eClerx Services Ltd (Technology)
Equity, Since 31 Aug 20 | 532927
2%₹166 Cr759,028
↑ 205,808

2. TATA Digital India Fund

The investment objective of the scheme is to seek long term capital appreciation by investing atleast 80% of its net assets in equity/equity related instruments of the companies in Information Technology Sector in India.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.

TATA Digital India Fund is a Equity - Sectoral fund was launched on 28 Dec 15. It is a fund with High risk and has given a CAGR/Annualized return of 25.4% since its launch.  Return for 2020 was 54.8% , 2019 was 7.5% and 2018 was 24.9% .

Below is the key information for TATA Digital India Fund

TATA Digital India Fund
Growth
Launch Date 28 Dec 15
NAV (03 Dec 21) ₹38.2451 ↓ -0.30   (-0.78 %)
Net Assets (Cr) ₹3,842 on 31 Oct 21
Category Equity - Sectoral
AMC Tata Asset Management Limited
Rating Not Rated
Risk High
Expense Ratio 1.73
Sharpe Ratio 4.16
Information Ratio 0.39
Alpha Ratio 23.32
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-3 Months (0.25%),3 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Nov 16₹10,000
30 Nov 17₹11,715
30 Nov 18₹15,384
30 Nov 19₹16,052
30 Nov 20₹22,527
30 Nov 21₹41,361

TATA Digital India Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹689,048.
Net Profit of ₹389,048
Invest Now

Returns for TATA Digital 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 3 Dec 21

DurationReturns
1 Month 1.4%
3 Month 6.3%
6 Month 37.4%
1 Year 82.4%
3 Year 39.4%
5 Year 33.5%
10 Year
15 Year
Since launch 25.4%
Historical performance (Yearly) on absolute basis
YearReturns
2020 54.8%
2019 7.5%
2018 24.9%
2017 19.6%
2016 -6%
2015
2014
2013
2012
2011
Fund Manager information for TATA Digital India Fund
NameSinceTenure
Meeta Shetty20 Apr 201.53 Yr.
Venkat Samala26 Nov 200.93 Yr.

Data below for TATA Digital India Fund as on 31 Oct 21

Equity Sector Allocation
SectorValue
Technology76.21%
Communication Services8.74%
Industrials3.88%
Consumer Cyclical2.02%
Asset Allocation
Asset ClassValue
Cash8.99%
Equity91.01%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Infosys Ltd (Technology)
Equity, Since 31 Jan 16 | INFY
21%₹817 Cr4,896,000
↑ 1,450,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Jan 16 | TCS
12%₹478 Cr1,408,126
↑ 200,000
Tech Mahindra Ltd (Technology)
Equity, Since 30 Apr 16 | 532755
10%₹374 Cr2,532,000
↑ 125,000
HCL Technologies Ltd (Technology)
Equity, Since 31 Jan 16 | HCLTECH
9%₹352 Cr3,074,713
↑ 600,000
Persistent Systems Ltd (Technology)
Equity, Since 31 Jan 16 | PERSISTENT
3%₹127 Cr324,857
↓ -181,106
Wipro Ltd (Technology)
Equity, Since 31 Jul 18 | 507685
3%₹126 Cr1,950,000
↑ 500,000
Larsen & Toubro Infotech Ltd (Technology)
Equity, Since 28 Feb 21 | 540005
3%₹117 Cr175,300
↓ -45,744
Mphasis Ltd (Technology)
Equity, Since 30 Sep 20 | 526299
3%₹113 Cr349,485
↓ -154,515
L&T Technology Services Ltd (Technology)
Equity, Since 31 May 18 | LTTS
3%₹113 Cr238,500
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 21 | BHARTIARTL
2%₹96 Cr1,400,000
↑ 1,400,000

3. Aditya Birla Sun Life Digital India Fund

(Erstwhile Aditya Birla Sun Life New Millennium Fund)

A multi-sector open-ended growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of 100% equity, focusing on investing in technology and technology dependent companies, hardware, peripherals and components, software, telecom, media, internet and e-commerce and other technology enabled companies. The secondary objective is income generation and distribution of dividend.

Aditya Birla Sun Life Digital India Fund is a Equity - Sectoral fund was launched on 15 Jan 00. It is a fund with High risk and has given a CAGR/Annualized return of 12.8% since its launch.  Ranked 33 in Sectoral category.  Return for 2020 was 59% , 2019 was 9.6% and 2018 was 15.6% .

Below is the key information for Aditya Birla Sun Life Digital India Fund

Aditya Birla Sun Life Digital India Fund
Growth
Launch Date 15 Jan 00
NAV (03 Dec 21) ₹140.42 ↓ -0.81   (-0.57 %)
Net Assets (Cr) ₹2,658 on 31 Oct 21
Category Equity - Sectoral
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk High
Expense Ratio 2.56
Sharpe Ratio 4.5
Information Ratio 0.99
Alpha Ratio 24.75
Min Investment 1,000
Min SIP Investment 1,000
Exit Load 0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Nov 16₹10,000
30 Nov 17₹12,026
30 Nov 18₹14,725
30 Nov 19₹15,720
30 Nov 20₹22,790
30 Nov 21₹40,612

Aditya Birla Sun Life Digital India Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹689,048.
Net Profit of ₹389,048
Invest Now

Returns for Aditya Birla Sun Life Digital 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 3 Dec 21

DurationReturns
1 Month 3.2%
3 Month 6.7%
6 Month 32.8%
1 Year 76.7%
3 Year 40.5%
5 Year 33%
10 Year
15 Year
Since launch 12.8%
Historical performance (Yearly) on absolute basis
YearReturns
2020 59%
2019 9.6%
2018 15.6%
2017 22.4%
2016 -3.5%
2015 11.2%
2014 21.1%
2013 50.2%
2012 3.7%
2011 -21.8%
Fund Manager information for Aditya Birla Sun Life Digital India Fund
NameSinceTenure
Kunal Sangoi15 Jan 147.8 Yr.

Data below for Aditya Birla Sun Life Digital India Fund as on 31 Oct 21

Equity Sector Allocation
SectorValue
Technology75.71%
Communication Services11.94%
Industrials5.85%
Consumer Cyclical1.7%
Asset Allocation
Asset ClassValue
Cash4.79%
Equity95.21%
Other0%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Infosys Ltd (Technology)
Equity, Since 30 Apr 05 | INFY
18%₹477 Cr2,859,816
↑ 255,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Apr 05 | TCS
11%₹291 Cr856,472
↑ 40,000
Tech Mahindra Ltd (Technology)
Equity, Since 31 May 13 | 532755
9%₹252 Cr1,704,943
↑ 115,000
HCL Technologies Ltd (Technology)
Equity, Since 31 Dec 10 | HCLTECH
8%₹225 Cr1,963,931
↑ 50,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Aug 19 | BHARTIARTL
6%₹161 Cr2,351,670
↓ -100,000
Cyient Ltd (Industrials)
Equity, Since 31 May 14 | CYIENT
4%₹105 Cr980,651
↑ 25,000
Persistent Systems Ltd (Technology)
Equity, Since 31 Jul 13 | PERSISTENT
4%₹100 Cr255,726
↓ -5,739
Wipro Ltd (Technology)
Equity, Since 31 Jan 21 | 507685
3%₹88 Cr1,356,888
↑ 280,000
Mphasis Ltd (Technology)
Equity, Since 29 Feb 20 | 526299
3%₹80 Cr247,470
↑ 40,000
Larsen & Toubro Infotech Ltd (Technology)
Equity, Since 31 Mar 21 | 540005
2%₹65 Cr96,710

4. SBI Technology Opportunities Fund

(Erstwhile SBI IT Fund)

To provide the investors maximum growth opportunity through equity investments in stocks of growth oriented sectors of the economy.

SBI Technology Opportunities Fund is a Equity - Sectoral fund was launched on 9 Jan 13. It is a fund with High risk and has given a CAGR/Annualized return of 24.1% since its launch.  Ranked 42 in Sectoral category.  Return for 2020 was 47.3% , 2019 was 12.2% and 2018 was 17.1% .

Below is the key information for SBI Technology Opportunities Fund

SBI Technology Opportunities Fund
Growth
Launch Date 9 Jan 13
NAV (03 Dec 21) ₹156.393 ↓ -0.83   (-0.53 %)
Net Assets (Cr) ₹1,891 on 31 Oct 21
Category Equity - Sectoral
AMC SBI Funds Management Private Limited
Rating
Risk High
Expense Ratio 2.61
Sharpe Ratio 4.4
Information Ratio 0.91
Alpha Ratio 25.62
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-15 Days (0.5%),15 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Nov 16₹10,000
30 Nov 17₹11,043
30 Nov 18₹13,866
30 Nov 19₹14,917
30 Nov 20₹20,273
30 Nov 21₹35,649

SBI Technology Opportunities Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 Technology Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Dec 21

DurationReturns
1 Month 1.7%
3 Month 5%
6 Month 34.4%
1 Year 72.7%
3 Year 36.6%
5 Year 29.4%
10 Year
15 Year
Since launch 24.1%
Historical performance (Yearly) on absolute basis
YearReturns
2020 47.3%
2019 12.2%
2018 17.1%
2017 13%
2016 -3.3%
2015 2.4%
2014 29.2%
2013
2012
2011
Fund Manager information for SBI Technology Opportunities Fund
NameSinceTenure
Anup Upadhyay1 Jun 1110.43 Yr.

Data below for SBI Technology Opportunities Fund as on 31 Oct 21

Equity Sector Allocation
SectorValue
Technology73.26%
Communication Services16.87%
Industrials2.05%
Consumer Cyclical1.82%
Asset Allocation
Asset ClassValue
Cash5.88%
Equity94.12%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Infosys Ltd (Technology)
Equity, Since 31 Jan 03 | INFY
22%₹425 Cr2,547,700
Alphabet Inc Class A (Communication Services)
Equity, Since 30 Sep 18 | GOOGL
10%₹183 Cr8,395
↑ 1,500
HCL Technologies Ltd (Technology)
Equity, Since 31 Mar 06 | HCLTECH
8%₹159 Cr1,393,774
↑ 97,800
Tech Mahindra Ltd (Technology)
Equity, Since 31 Aug 15 | 532755
7%₹134 Cr909,735
Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Apr 06 | TCS
6%₹112 Cr328,911
Larsen & Toubro Infotech Ltd (Technology)
Equity, Since 31 May 20 | 540005
6%₹108 Cr161,100
↑ 58,100
Microsoft Corp (Technology)
Equity, Since 31 Aug 20 | MSFT
5%₹101 Cr41,590
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 18 | BHARTIARTL
4%₹77 Cr1,130,130
NVIDIA Corp (Technology)
Equity, Since 30 Apr 21 | NVDA
3%₹64 Cr34,300
↑ 14,700
Persistent Systems Ltd (Technology)
Equity, Since 31 Aug 20 | PERSISTENT
3%₹57 Cr144,100

5. Franklin India Technology Fund

To provide long-term capital appreciation by predominantly investing in equity and equity related securities of technology and technology related companies.

Franklin India Technology Fund is a Equity - Sectoral fund was launched on 22 Aug 98. It is a fund with High risk and has given a CAGR/Annualized return of 20.1% since its launch.  Ranked 41 in Sectoral category.  Return for 2020 was 56.8% , 2019 was 12.4% and 2018 was 11.9% .

Below is the key information for Franklin India Technology Fund

Franklin India Technology Fund
Growth
Launch Date 22 Aug 98
NAV (02 Dec 21) ₹355.425 ↑ 4.87   (1.39 %)
Net Assets (Cr) ₹721 on 31 Oct 21
Category Equity - Sectoral
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk High
Expense Ratio 2.51
Sharpe Ratio 3.56
Information Ratio 0.11
Alpha Ratio 14.29
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.

DateValue
30 Nov 16₹10,000
30 Nov 17₹11,630
30 Nov 18₹13,764
30 Nov 19₹14,713
30 Nov 20₹21,595
30 Nov 21₹31,824

Franklin India Technology Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹584,107.
Net Profit of ₹284,107
Invest Now

Returns for Franklin India Technology Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Dec 21

DurationReturns
1 Month 2%
3 Month 3.6%
6 Month 25.2%
1 Year 46.7%
3 Year 32.9%
5 Year 26.8%
10 Year
15 Year
Since launch 20.1%
Historical performance (Yearly) on absolute basis
YearReturns
2020 56.8%
2019 12.4%
2018 11.9%
2017 19.1%
2016 -2.6%
2015 3.8%
2014 16.8%
2013 53.3%
2012 0.3%
2011 -15.5%
Fund Manager information for Franklin India Technology Fund
NameSinceTenure
Anand Radhakrishnan3 Mar 0714.68 Yr.
Varun Sharma30 Nov 155.93 Yr.
Mayank Bukrediwala24 Aug 201.19 Yr.

Data below for Franklin India Technology Fund as on 31 Oct 21

Equity Sector Allocation
SectorValue
Technology61.75%
Communication Services17.22%
Consumer Cyclical9.22%
Industrials1.52%
Basic Materials0.57%
Financial Services0.54%
Real Estate0.18%
Health Care0.1%
Asset Allocation
Asset ClassValue
Cash8.52%
Equity91.18%
Other0.3%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Infosys Ltd (Technology)
Equity, Since 29 Feb 12 | INFY
18%₹130 Cr778,984
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Aug 04 | TCS
10%₹71 Cr209,047
HCL Technologies Ltd (Technology)
Equity, Since 30 Jun 14 | HCLTECH
9%₹67 Cr589,055
↑ 9,055
Franklin Technology I Acc USD
Investment Fund | -
9%₹62 Cr116,868
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 18 | BHARTIARTL
7%₹51 Cr739,623
↑ 139,623
Info Edge (India) Ltd (Communication Services)
Equity, Since 31 Jan 17 | NAUKRI
6%₹44 Cr73,229
Tech Mahindra Ltd (Technology)
Equity, Since 28 Feb 14 | 532755
5%₹35 Cr239,424
Zomato Ltd (Consumer Cyclical)
Equity, Since 31 Jul 21 | 543320
3%₹24 Cr1,811,572
↑ 488,954
MakeMyTrip Ltd (Consumer Cyclical)
Equity, Since 31 Mar 20 | MMYT
3%₹19 Cr82,135
Taiwan Semiconductor Manufacturing Co Ltd (Technology)
Equity, Since 30 Nov 18 | 2330
2%₹12 Cr78,000

Stay calm, focus on the long-term returns and let your investments bounce back from short-term fluctuations!

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.
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