میوچل فنڈ ایک سرمایہ کاری کا ایک ایوینیو ہے جو اس وقت تشکیل دیا جاتا ہے جب متعدد افراد ایک ساتھ ملتے ہیں اور اپنے پیسوں کی سرمایہ کاری کرتے ہیں۔ اس کے بعد میوچل فنڈ اسکیم ان افراد کی طرف سے مختلف مالی آلات میں سرمایہ کاری کرتی ہے اور منافع کماتی ہے۔ میوچل فنڈ اسکیموں کی مختلف قسمیں ہیں جو افراد کی متنوع ضروریات کو پورا کرنے کے لئے بنائی گئی ہیں۔ میوچل فنڈ اسکیموں کی وسیع اقسامایکویٹی فنڈز،قرض فنڈ، اورہائبرڈ فنڈ. 2019 میں ، اسکیم کے تمام زمرے کی کارکردگی اچھی رہی۔باہمی چندہ وہ اپنے سرمایہ کاروں کے لئے مناسب منافع کمانے کے قابل تھے۔ تو ، آئیے 2019 کے لئے ان اسکیموں کی کارکردگی کو دیکھیں۔
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Fund NAV Net Assets (Cr) 2024 (%) 2023 (%) 2022 (%) 2021 (%) 2020 (%) Motilal Oswal Midcap 30 Fund Growth ₹101.72
↑ 0.52 ₹33,053 57.1 41.7 10.7 55.8 9.3 LIC MF Infrastructure Fund Growth ₹48.134
↓ -0.39 ₹1,053 47.8 44.4 7.9 46.6 -0.1 Motilal Oswal Long Term Equity Fund Growth ₹50.2812
↓ -0.14 ₹4,506 47.7 37 1.8 32.1 8.8 Motilal Oswal Multicap 35 Fund Growth ₹60.6801
↑ 0.33 ₹13,894 45.7 31 -3 15.3 10.3 Invesco India Mid Cap Fund Growth ₹179.51
↑ 0.03 ₹7,406 43.1 34.1 0.5 43.1 24.4 UTI Healthcare Fund Growth ₹294.793
↓ -0.28 ₹1,099 42.9 38.2 -12.3 19.1 67.4 SBI Healthcare Opportunities Fund Growth ₹432.397
↓ -0.51 ₹3,849 42.2 38.2 -6 20.1 65.8 TATA India Pharma & Healthcare Fund Growth ₹31.0352
↓ -0.10 ₹1,282 40.4 36.6 -8 19.1 64.4 IDBI Small Cap Fund Growth ₹29.1101
↓ -0.08 ₹605 40 33.4 2.4 64.7 19 Bandhan Infrastructure Fund Growth ₹48.965
↓ -0.41 ₹1,749 39.3 50.3 1.7 64.8 6.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Aug 25 Research Highlights & Commentary of 10 Funds showcased
Commentary Motilal Oswal Midcap 30 Fund LIC MF Infrastructure Fund Motilal Oswal Long Term Equity Fund Motilal Oswal Multicap 35 Fund Invesco India Mid Cap Fund UTI Healthcare Fund SBI Healthcare Opportunities Fund TATA India Pharma & Healthcare Fund IDBI Small Cap Fund Bandhan Infrastructure Fund Point 1 Highest AUM (₹33,053 Cr). Bottom quartile AUM (₹1,053 Cr). Upper mid AUM (₹4,506 Cr). Top quartile AUM (₹13,894 Cr). Upper mid AUM (₹7,406 Cr). Bottom quartile AUM (₹1,099 Cr). Upper mid AUM (₹3,849 Cr). Lower mid AUM (₹1,282 Cr). Bottom quartile AUM (₹605 Cr). Lower mid AUM (₹1,749 Cr). Point 2 Established history (11+ yrs). Established history (17+ yrs). Established history (10+ yrs). Established history (11+ yrs). Established history (18+ yrs). Oldest track record among peers (26 yrs). Established history (20+ yrs). Established history (9+ yrs). Established history (8+ yrs). Established history (14+ yrs). Point 3 Rating: 3★ (upper mid). Not Rated. Not Rated. Top rated. Rating: 2★ (upper mid). Rating: 1★ (lower mid). Rating: 2★ (upper mid). Not Rated. Not Rated. Rating: 5★ (top quartile). Point 4 Risk profile: Moderately High. Risk profile: High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: Moderately High. Risk profile: High. Point 5 5Y return: 33.92% (top quartile). 5Y return: 31.38% (upper mid). 5Y return: 25.46% (lower mid). 5Y return: 19.29% (bottom quartile). 5Y return: 28.69% (upper mid). 5Y return: 18.84% (bottom quartile). 5Y return: 20.24% (lower mid). 5Y return: 18.86% (bottom quartile). 5Y return: 28.22% (upper mid). 5Y return: 32.46% (top quartile). Point 6 3Y return: 28.09% (top quartile). 3Y return: 26.70% (upper mid). 3Y return: 24.04% (lower mid). 3Y return: 22.56% (bottom quartile). 3Y return: 27.68% (top quartile). 3Y return: 25.66% (lower mid). 3Y return: 26.79% (upper mid). 3Y return: 23.64% (bottom quartile). 3Y return: 17.16% (bottom quartile). 3Y return: 27.32% (upper mid). Point 7 1Y return: 3.93% (lower mid). 1Y return: -3.94% (bottom quartile). 1Y return: 1.10% (lower mid). 1Y return: 7.43% (upper mid). 1Y return: 15.20% (top quartile). 1Y return: 11.77% (top quartile). 1Y return: 11.57% (upper mid). 1Y return: 5.19% (upper mid). 1Y return: -8.07% (bottom quartile). 1Y return: -10.00% (bottom quartile). Point 8 Alpha: 3.89 (upper mid). Alpha: 0.77 (lower mid). Alpha: 6.93 (top quartile). Alpha: 8.72 (top quartile). Alpha: 0.00 (bottom quartile). Alpha: 1.14 (lower mid). Alpha: 2.79 (upper mid). Alpha: 2.42 (upper mid). Alpha: -7.27 (bottom quartile). Alpha: 0.00 (bottom quartile). Point 9 Sharpe: 0.23 (lower mid). Sharpe: -0.02 (bottom quartile). Sharpe: 0.26 (lower mid). Sharpe: 0.42 (upper mid). Sharpe: 0.54 (upper mid). Sharpe: 0.75 (top quartile). Sharpe: 0.87 (top quartile). Sharpe: 0.47 (upper mid). Sharpe: -0.27 (bottom quartile). Sharpe: -0.29 (bottom quartile). Point 10 Information ratio: 0.44 (upper mid). Information ratio: 0.45 (upper mid). Information ratio: 1.02 (top quartile). Information ratio: 0.73 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: -0.29 (bottom quartile). Information ratio: 0.37 (lower mid). Information ratio: 0.73 (upper mid). Information ratio: -0.92 (bottom quartile). Information ratio: 0.00 (bottom quartile). Motilal Oswal Midcap 30 Fund
LIC MF Infrastructure Fund
Motilal Oswal Long Term Equity Fund
Motilal Oswal Multicap 35 Fund
Invesco India Mid Cap Fund
UTI Healthcare Fund
SBI Healthcare Opportunities Fund
TATA India Pharma & Healthcare Fund
IDBI Small Cap Fund
Bandhan Infrastructure Fund
Fund NAV Net Assets (Cr) 2024 (%) 2023 (%) 2022 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Credit Risk Fund Growth ₹22.6317
↑ 0.04 ₹1,014 11.9 6.9 7.1 7.76% 2Y 1M 24D 3Y 2M 5D Bandhan Government Securities Fund - Investment Plan Growth ₹34.8878
↑ 0.16 ₹3,124 10.6 6.8 1.4 7.17% 12Y 18D 28Y Aditya Birla Sun Life Medium Term Plan Growth ₹40.2654
↑ 0.07 ₹2,732 10.5 6.9 24.8 7.52% 3Y 7M 17D 4Y 10M 10D ICICI Prudential Long Term Bond Fund Growth ₹89.9094
↑ 0.50 ₹1,164 10.1 6.8 1.3 6.74% 7Y 3M 19Y 3M 14D DSP Government Securities Fund Growth ₹95.5257
↑ 0.45 ₹1,852 10.1 7.1 2.7 6.61% 7Y 10M 17D 22Y 8M 8D Bandhan Dynamic Bond Fund Growth ₹33.5772
↑ 0.16 ₹2,862 10 6.4 1 7.16% 12Y 14D 27Y 11M 26D Axis Gilt Fund Growth ₹25.4895
↑ 0.12 ₹798 10 7.1 2.4 6.29% 5Y 9M 29D 12Y 5M 19D Invesco India Gilt Fund Growth ₹2,820.51
↑ 13.63 ₹580 10 6.6 2.3 6.7% 10Y 2M 23D 24Y 6M 7D DSP Strategic Bond Fund Growth ₹3,353.76
↑ 11.91 ₹1,545 9.9 7.9 1.6 6.64% 7Y 10M 10D 17Y 3M Edelweiss Government Securities Fund Growth ₹24.4177
↑ 0.09 ₹175 9.8 6.2 2.5 6.59% 7Y 11M 16D 18Y 1M 13D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Aug 25 Research Highlights & Commentary of 10 Funds showcased
Commentary Aditya Birla Sun Life Credit Risk Fund Bandhan Government Securities Fund - Investment Plan Aditya Birla Sun Life Medium Term Plan ICICI Prudential Long Term Bond Fund DSP Government Securities Fund Bandhan Dynamic Bond Fund Axis Gilt Fund Invesco India Gilt Fund DSP Strategic Bond Fund Edelweiss Government Securities Fund Point 1 Lower mid AUM (₹1,014 Cr). Highest AUM (₹3,124 Cr). Upper mid AUM (₹2,732 Cr). Lower mid AUM (₹1,164 Cr). Upper mid AUM (₹1,852 Cr). Top quartile AUM (₹2,862 Cr). Bottom quartile AUM (₹798 Cr). Bottom quartile AUM (₹580 Cr). Upper mid AUM (₹1,545 Cr). Bottom quartile AUM (₹175 Cr). Point 2 Established history (10+ yrs). Established history (16+ yrs). Established history (16+ yrs). Oldest track record among peers (27 yrs). Established history (25+ yrs). Established history (16+ yrs). Established history (13+ yrs). Established history (17+ yrs). Established history (18+ yrs). Established history (11+ yrs). Point 3 Not Rated. Rating: 3★ (upper mid). Top rated. Rating: 4★ (top quartile). Rating: 3★ (upper mid). Rating: 3★ (upper mid). Rating: 1★ (bottom quartile). Rating: 3★ (lower mid). Rating: 2★ (lower mid). Rating: 2★ (bottom quartile). Point 4 Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Point 5 1Y return: 16.47% (top quartile). 1Y return: 4.46% (bottom quartile). 1Y return: 13.17% (top quartile). 1Y return: 7.55% (upper mid). 1Y return: 6.20% (upper mid). 1Y return: 4.05% (bottom quartile). 1Y return: 6.76% (upper mid). 1Y return: 5.43% (lower mid). 1Y return: 5.92% (lower mid). 1Y return: 5.40% (bottom quartile). Point 6 1M return: 0.68% (top quartile). 1M return: -1.31% (bottom quartile). 1M return: 0.36% (top quartile). 1M return: -0.86% (lower mid). 1M return: -0.78% (upper mid). 1M return: -1.27% (bottom quartile). 1M return: -0.84% (upper mid). 1M return: -1.05% (bottom quartile). 1M return: -0.84% (upper mid). 1M return: -1.03% (lower mid). Point 7 Sharpe: 2.40 (top quartile). Sharpe: -0.09 (bottom quartile). Sharpe: 3.02 (top quartile). Sharpe: 0.80 (upper mid). Sharpe: 0.19 (lower mid). Sharpe: -0.19 (bottom quartile). Sharpe: 0.57 (upper mid). Sharpe: 0.14 (bottom quartile). Sharpe: 0.19 (lower mid). Sharpe: 0.24 (upper mid). Point 8 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: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 7.76% (top quartile). Yield to maturity (debt): 7.17% (upper mid). Yield to maturity (debt): 7.52% (top quartile). Yield to maturity (debt): 6.74% (upper mid). Yield to maturity (debt): 6.61% (bottom quartile). Yield to maturity (debt): 7.16% (upper mid). Yield to maturity (debt): 6.29% (bottom quartile). Yield to maturity (debt): 6.70% (lower mid). Yield to maturity (debt): 6.64% (lower mid). Yield to maturity (debt): 6.59% (bottom quartile). Point 10 Modified duration: 2.15 yrs (top quartile). Modified duration: 12.05 yrs (bottom quartile). Modified duration: 3.63 yrs (top quartile). Modified duration: 7.25 yrs (upper mid). Modified duration: 7.88 yrs (lower mid). Modified duration: 12.04 yrs (bottom quartile). Modified duration: 5.83 yrs (upper mid). Modified duration: 10.23 yrs (bottom quartile). Modified duration: 7.86 yrs (upper mid). Modified duration: 7.96 yrs (lower mid). Aditya Birla Sun Life Credit Risk Fund
Bandhan Government Securities Fund - Investment Plan
Aditya Birla Sun Life Medium Term Plan
ICICI Prudential Long Term Bond Fund
DSP Government Securities Fund
Bandhan Dynamic Bond Fund
Axis Gilt Fund
Invesco India Gilt Fund
DSP Strategic Bond Fund
Edelweiss Government Securities Fund
Fund NAV Net Assets (Cr) 2024 (%) 2023 (%) 2022 (%) 2021 (%) 2020 (%) JM Equity Hybrid Fund Growth ₹117.398
↓ -0.33 ₹862 27 33.8 8.1 22.9 30.5 BOI AXA Mid and Small Cap Equity and Debt Fund Growth ₹37.4
↑ 0.03 ₹1,250 25.8 33.7 -4.8 54.5 31.1 Kotak Equity Hybrid Fund Growth ₹62.171
↑ 0.05 ₹7,808 21.7 20.1 5 28.9 15.4 Bandhan Hybrid Equity Fund Growth ₹25.74
↑ 0.02 ₹989 21 20.4 -1.1 30.8 13.9 UTI Multi Asset Fund Growth ₹73.6148
↑ 0.12 ₹5,890 20.7 29.1 4.4 11.8 13.1 Edelweiss Multi Asset Allocation Fund Growth ₹62.95
↑ 0.09 ₹2,926 20.2 25.4 5.3 27.1 12.7 UTI Hybrid Equity Fund Growth ₹398.161
↑ 0.55 ₹6,468 19.7 25.5 5.6 30.5 13.2 BNP Paribas Substantial Equity Hybrid Fund Growth ₹27.5503
↓ -0.03 ₹1,245 19.3 21 4.3 22.2 14.9 DSP Equity and Bond Fund Growth ₹353.858
↑ 0.14 ₹11,418 17.7 25.3 -2.7 24.2 17 Franklin India Equity Hybrid Fund Growth ₹268.114
↑ 0.20 ₹2,248 17.7 22.5 4.7 23.8 13.7 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Aug 25 Research Highlights & Commentary of 10 Funds showcased
Commentary JM Equity Hybrid Fund BOI AXA Mid and Small Cap Equity and Debt Fund Kotak Equity Hybrid Fund Bandhan Hybrid Equity Fund UTI Multi Asset Fund Edelweiss Multi Asset Allocation Fund UTI Hybrid Equity Fund BNP Paribas Substantial Equity Hybrid Fund DSP Equity and Bond Fund Franklin India Equity Hybrid Fund Point 1 Bottom quartile AUM (₹862 Cr). Lower mid AUM (₹1,250 Cr). Top quartile AUM (₹7,808 Cr). Bottom quartile AUM (₹989 Cr). Upper mid AUM (₹5,890 Cr). Upper mid AUM (₹2,926 Cr). Upper mid AUM (₹6,468 Cr). Bottom quartile AUM (₹1,245 Cr). Highest AUM (₹11,418 Cr). Lower mid AUM (₹2,248 Cr). Point 2 Oldest track record among peers (30 yrs). Established history (9+ yrs). Established history (10+ yrs). Established history (8+ yrs). Established history (16+ yrs). Established history (16+ yrs). Established history (30+ yrs). Established history (8+ yrs). Established history (26+ yrs). Established history (25+ yrs). Point 3 Rating: 1★ (upper mid). Not Rated. Rating: 3★ (top quartile). Not Rated. Rating: 1★ (lower mid). Rating: 1★ (lower mid). Rating: 3★ (upper mid). Not Rated. Top rated. Rating: 3★ (upper mid). Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 21.06% (top quartile). 5Y return: 24.19% (top quartile). 5Y return: 19.73% (upper mid). 5Y return: 18.17% (lower mid). 5Y return: 15.38% (bottom quartile). 5Y return: 19.70% (upper mid). 5Y return: 19.62% (upper mid). 5Y return: 16.40% (bottom quartile). 5Y return: 17.29% (bottom quartile). 5Y return: 17.95% (lower mid). Point 6 3Y return: 19.44% (top quartile). 3Y return: 19.17% (top quartile). 3Y return: 15.12% (lower mid). 3Y return: 14.68% (bottom quartile). 3Y return: 18.20% (upper mid). 3Y return: 16.93% (upper mid). 3Y return: 15.94% (upper mid). 3Y return: 13.97% (bottom quartile). 3Y return: 15.34% (lower mid). 3Y return: 14.81% (bottom quartile). Point 7 1Y return: -5.25% (bottom quartile). 1Y return: -1.53% (bottom quartile). 1Y return: 4.14% (upper mid). 1Y return: 7.84% (top quartile). 1Y return: 3.78% (upper mid). 1Y return: 4.43% (upper mid). 1Y return: 2.53% (lower mid). 1Y return: 1.78% (bottom quartile). 1Y return: 6.25% (top quartile). 1Y return: 3.24% (lower mid). Point 8 1M return: -3.88% (bottom quartile). 1M return: -3.11% (bottom quartile). 1M return: -0.25% (top quartile). 1M return: -0.14% (top quartile). 1M return: -1.12% (upper mid). 1M return: -1.12% (upper mid). 1M return: -2.30% (bottom quartile). 1M return: -1.36% (upper mid). 1M return: -1.80% (lower mid). 1M return: -1.41% (lower mid). Point 9 Alpha: -6.24 (bottom quartile). Alpha: 0.00 (lower mid). Alpha: 0.00 (lower mid). Alpha: 5.14 (top quartile). Alpha: 0.00 (bottom quartile). Alpha: 2.31 (upper mid). Alpha: 0.77 (upper mid). Alpha: -2.03 (bottom quartile). Alpha: 3.71 (top quartile). Alpha: 0.08 (upper mid). Point 10 Sharpe: -0.41 (bottom quartile). Sharpe: -0.08 (bottom quartile). Sharpe: 0.10 (lower mid). Sharpe: 0.41 (top quartile). Sharpe: 0.22 (upper mid). Sharpe: 0.27 (upper mid). Sharpe: 0.15 (upper mid). Sharpe: -0.10 (bottom quartile). Sharpe: 0.44 (top quartile). Sharpe: 0.08 (lower mid). JM Equity Hybrid Fund
BOI AXA Mid and Small Cap Equity and Debt Fund
Kotak Equity Hybrid Fund
Bandhan Hybrid Equity Fund
UTI Multi Asset Fund
Edelweiss Multi Asset Allocation Fund
UTI Hybrid Equity Fund
BNP Paribas Substantial Equity Hybrid Fund
DSP Equity and Bond Fund
Franklin India Equity Hybrid Fund
انتخاب کا عملبہترین باہمی فنڈز مندرجہ ذیل ہیں.
سرمایہ کاری کا مقصد: افراد کسی خاص مقصد کی تکمیل کے لئے کوئی بھی سرمایہ کاری کرتے ہیں۔ لہذا ، یہ فیصلہ کرنا ضروری ہے کہ سرمایہ کاری کیوں کی جارہی ہے۔ کچھ مقاصد جن کے ل. افرادباہمی فنڈز میں سرمایہ کاری کریں گھر خرید رہے ہیں ، گاڑی خرید رہے ہیں ،ریٹائرمنٹ کی منصوبہ بندی، شادی کے لئے منصوبہ بندی ، اور بہت کچھ.
مدت ، متوقع واپسی ، اور خطرہ بھوک: ایک بار جب آپ سرمایہ کاری کا مقصد طے کرلیں تو ، اگلا مرحلہ متوقع منافع اور خطرے کی بھوک کے ساتھ ساتھ سرمایہ کاری کی مدت کا تعین کرنا ہے۔ افراد کو اس مدت کا فیصلہ کرنا چاہئے جہاں تک انہیں سرمایہ کاری کرنے کی ضرورت ہو۔ مدت ملازمت کے ساتھ ، افراد کو متوقع منافع اور خطرے کی بھوک کی بھی جانچ کرنی چاہئے۔ تین پیرامیٹرز کا تعی youن کرنے سے آپ سکیم کی قسم کا فیصلہ کرنے میں مدد کریں گے جس پر آپ سرمایہ کاری کا انتخاب کرسکتے ہیں۔
میوچل فنڈ اسکیم کے بارے میں تفصیلات چیک کریں: سرمایہ کاری کے لئے اسکیم کی قسم کا فیصلہ کرنے کے بعد ، افراد کو اس اسکیم کے بارے میں سمجھنا چاہئے۔ لوگوں کو اسکیم کے مختلف پہلوؤں جیسے فنڈ کی عمر ، اس کی اے او ایم یا اسکیم کا اثاثہ سائز ، اخراجات کا تناسب ، اور فنڈ کی کارکردگی کو چیک کرنا چاہئے۔ ان پیرامیٹرز کے ساتھ ، افراد کو بھی اس اسکیم کا انتظام کرنے والے فنڈ منیجر کی اسناد کی جانچ کرنا چاہئے۔
فنڈ ہاؤس کی اسناد دیکھیں: میوچل فنڈ اسکیم کی تفصیلات کا جائزہ لینے کے علاوہ ، افراد کو فنڈ ہاؤس یا اثاثہ جات انتظامیہ کمپنی کی اسناد کی بھی جانچ کرنی چاہئے۔اے ایم سی). اس کی وجہ یہ ہے کہ ، یہ فنڈ ہاؤس ہے جو اسکیموں کے انتظام کے لئے ذمہ دار ہے۔ اس کے نتیجے میں ، فنڈ ہاؤس بھی اس اسکیم کی کارکردگی کا ذمہ دار ہے۔
اپنی سرمایہ کاری کا باقاعدگی سے جائزہ لیں: بسسرمایہ کاری کافی نہیں ہے. افراد کو باہمی فنڈز میں سرمایہ کاری کرنے کے بعد پیچھے کی نشست نہیں لینا چاہئے۔ انہیں اپنی سرمایہ کاری کا باقاعدگی سے اور بروقت جائزہ لینا چاہئے تاکہ وہ اپنی سرمایہ کاری پر زیادہ سے زیادہ منافع حاصل کرسکیں۔