2019 کے لئے بہترین میوچل فنڈ کی واپسی

Updated on August 20, 2025 , 1093 views

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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2019 پرفارمنس پر مبنی ٹاپ پرفارمنگ ایکویٹی فنڈز

Fund	NAV	Net Assets (Cr)	2024 (%)	2023 (%)	2022 (%)	2021 (%)	2020 (%)
Motilal Oswal Midcap 30 Fund Growth	₹104.433 ↑ 0.32	₹33,609	57.1	41.7	10.7	55.8	9.3
LIC MF Infrastructure Fund Growth	₹48.7142 ↑ 0.02	₹1,038	47.8	44.4	7.9	46.6	-0.1
Motilal Oswal Long Term Equity Fund Growth	₹50.884 ↑ 0.15	₹4,402	47.7	37	1.8	32.1	8.8
Motilal Oswal Multicap 35 Fund Growth	₹62.0874 ↑ 0.19	₹13,727	45.7	31	-3	15.3	10.3
Invesco India Mid Cap Fund Growth	₹183.64 ↓ -0.69	₹7,802	43.1	34.1	0.5	43.1	24.4
UTI Healthcare Fund Growth	₹296.626 ↑ 0.47	₹1,146	42.9	38.2	-12.3	19.1	67.4
SBI Healthcare Opportunities Fund Growth	₹437.285 ↑ 1.75	₹4,027	42.2	38.2	-6	20.1	65.8
TATA India Pharma & Healthcare Fund Growth	₹31.2646 ↑ 0.05	₹1,339	40.4	36.6	-8	19.1	64.4
IDBI Small Cap Fund Growth	₹30.0357 ↑ 0.14	₹618	40	33.4	2.4	64.7	19
Bandhan Infrastructure Fund Growth	₹49.694 ↓ -0.29	₹1,676	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 22 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 (₹33,609 Cr).	Bottom quartile AUM (₹1,038 Cr).	Upper mid AUM (₹4,402 Cr).	Top quartile AUM (₹13,727 Cr).	Upper mid AUM (₹7,802 Cr).	Bottom quartile AUM (₹1,146 Cr).	Upper mid AUM (₹4,027 Cr).	Lower mid AUM (₹1,339 Cr).	Bottom quartile AUM (₹618 Cr).	Lower mid AUM (₹1,676 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: 33.41% (top quartile).	5Y return: 30.74% (upper mid).	5Y return: 25.09% (lower mid).	5Y return: 19.47% (bottom quartile).	5Y return: 28.23% (upper mid).	5Y return: 18.73% (bottom quartile).	5Y return: 20.40% (lower mid).	5Y return: 18.97% (bottom quartile).	5Y return: 27.80% (upper mid).	5Y return: 31.45% (top quartile).
Point 6	3Y return: 28.96% (top quartile).	3Y return: 27.92% (upper mid).	3Y return: 24.95% (lower mid).	3Y return: 23.59% (bottom quartile).	3Y return: 29.25% (top quartile).	3Y return: 26.74% (lower mid).	3Y return: 27.35% (upper mid).	3Y return: 24.81% (bottom quartile).	3Y return: 18.52% (bottom quartile).	3Y return: 28.08% (upper mid).
Point 7	1Y return: 2.91% (lower mid).	1Y return: -6.10% (bottom quartile).	1Y return: -1.50% (lower mid).	1Y return: 6.46% (upper mid).	1Y return: 13.99% (top quartile).	1Y return: 8.35% (upper mid).	1Y return: 10.45% (top quartile).	1Y return: 3.55% (upper mid).	1Y return: -9.42% (bottom quartile).	1Y return: -11.37% (bottom quartile).
Point 8	Alpha: 3.70 (upper mid).	Alpha: 1.35 (lower mid).	Alpha: 11.36 (top quartile).	Alpha: 10.18 (top quartile).	Alpha: 0.00 (bottom quartile).	Alpha: 0.67 (lower mid).	Alpha: 3.04 (upper mid).	Alpha: 2.48 (upper mid).	Alpha: -3.30 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 9	Sharpe: -0.11 (lower mid).	Sharpe: -0.30 (bottom quartile).	Sharpe: 0.04 (lower mid).	Sharpe: 0.11 (upper mid).	Sharpe: 0.32 (upper mid).	Sharpe: 0.43 (top quartile).	Sharpe: 0.60 (top quartile).	Sharpe: 0.16 (upper mid).	Sharpe: -0.45 (bottom quartile).	Sharpe: -0.69 (bottom quartile).
Point 10	Information ratio: 0.44 (upper mid).	Information ratio: 0.40 (upper mid).	Information ratio: 0.92 (top quartile).	Information ratio: 0.80 (top quartile).	Information ratio: 0.00 (lower mid).	Information ratio: -0.06 (bottom quartile).	Information ratio: 0.38 (lower mid).	Information ratio: 0.60 (upper mid).	Information ratio: -0.66 (bottom quartile).	Information ratio: 0.00 (bottom quartile).

Motilal Oswal Midcap 30 Fund

Highest AUM (₹33,609 Cr).
Established history (11+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 33.41% (top quartile).
3Y return: 28.96% (top quartile).
1Y return: 2.91% (lower mid).
Alpha: 3.70 (upper mid).
Sharpe: -0.11 (lower mid).
Information ratio: 0.44 (upper mid).

LIC MF Infrastructure Fund

Bottom quartile AUM (₹1,038 Cr).
Established history (17+ yrs).
Not Rated.
Risk profile: High.
5Y return: 30.74% (upper mid).
3Y return: 27.92% (upper mid).
1Y return: -6.10% (bottom quartile).
Alpha: 1.35 (lower mid).
Sharpe: -0.30 (bottom quartile).
Information ratio: 0.40 (upper mid).

Motilal Oswal Long Term Equity Fund

Upper mid AUM (₹4,402 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 25.09% (lower mid).
3Y return: 24.95% (lower mid).
1Y return: -1.50% (lower mid).
Alpha: 11.36 (top quartile).
Sharpe: 0.04 (lower mid).
Information ratio: 0.92 (top quartile).

Motilal Oswal Multicap 35 Fund

Top quartile AUM (₹13,727 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 19.47% (bottom quartile).
3Y return: 23.59% (bottom quartile).
1Y return: 6.46% (upper mid).
Alpha: 10.18 (top quartile).
Sharpe: 0.11 (upper mid).
Information ratio: 0.80 (top quartile).

Invesco India Mid Cap Fund

Upper mid AUM (₹7,802 Cr).
Established history (18+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 28.23% (upper mid).
3Y return: 29.25% (top quartile).
1Y return: 13.99% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.32 (upper mid).
Information ratio: 0.00 (lower mid).

UTI Healthcare Fund

Bottom quartile AUM (₹1,146 Cr).
Oldest track record among peers (26 yrs).
Rating: 1★ (lower mid).
Risk profile: High.
5Y return: 18.73% (bottom quartile).
3Y return: 26.74% (lower mid).
1Y return: 8.35% (upper mid).
Alpha: 0.67 (lower mid).
Sharpe: 0.43 (top quartile).
Information ratio: -0.06 (bottom quartile).

SBI Healthcare Opportunities Fund

Upper mid AUM (₹4,027 Cr).
Established history (20+ yrs).
Rating: 2★ (upper mid).
Risk profile: High.
5Y return: 20.40% (lower mid).
3Y return: 27.35% (upper mid).
1Y return: 10.45% (top quartile).
Alpha: 3.04 (upper mid).
Sharpe: 0.60 (top quartile).
Information ratio: 0.38 (lower mid).

TATA India Pharma & Healthcare Fund

Lower mid AUM (₹1,339 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: High.
5Y return: 18.97% (bottom quartile).
3Y return: 24.81% (bottom quartile).
1Y return: 3.55% (upper mid).
Alpha: 2.48 (upper mid).
Sharpe: 0.16 (upper mid).
Information ratio: 0.60 (upper mid).

IDBI Small Cap Fund

Bottom quartile AUM (₹618 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 27.80% (upper mid).
3Y return: 18.52% (bottom quartile).
1Y return: -9.42% (bottom quartile).
Alpha: -3.30 (bottom quartile).
Sharpe: -0.45 (bottom quartile).
Information ratio: -0.66 (bottom quartile).

Bandhan Infrastructure Fund

Lower mid AUM (₹1,676 Cr).
Established history (14+ yrs).
Rating: 5★ (top quartile).
Risk profile: High.
5Y return: 31.45% (top quartile).
3Y return: 28.08% (upper mid).
1Y return: -11.37% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.69 (bottom quartile).
Information ratio: 0.00 (bottom quartile).

2019 کی کارکردگی پر مبنی ٹاپ پرفارمنگ ڈیبٹ فنڈز

Fund	NAV	Net Assets (Cr)	2024 (%)	2023 (%)	2022 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Credit Risk Fund Growth	₹22.6543 ↑ 0.01	₹1,023	11.9	6.9	7.1	7.6%	2Y 29D	3Y 29D
Bandhan Government Securities Fund - Investment Plan Growth	₹34.6293 ↓ -0.06	₹3,324	10.6	6.8	1.4	6.97%	10Y 7M 2D	21Y 5M 19D
Aditya Birla Sun Life Medium Term Plan Growth	₹40.2555 ↑ 0.00	₹2,744	10.5	6.9	24.8	7.44%	3Y 6M 18D	4Y 9M 4D
ICICI Prudential Long Term Bond Fund Growth	₹89.0721 ↓ 0.00	₹1,169	10.1	6.8	1.3	7.02%	9Y 2M 26D	24Y 4M 24D
DSP Government Securities Fund Growth	₹94.9152 ↓ -0.03	₹1,894	10.1	7.1	2.7	6.79%	9Y 3M 4D	23Y 5M 19D
Bandhan Dynamic Bond Fund Growth	₹33.315 ↓ -0.05	₹2,855	10	6.4	1	6.97%	10Y 7M 2D	21Y 5M 1D
Axis Gilt Fund Growth	₹25.3216 ↓ -0.01	₹619	10	7.1	2.4	6.78%	8Y 7M 24D	22Y 8M 1D
Invesco India Gilt Fund Growth	₹2,799.58 ↓ -2.18	₹537	10	6.6	2.3	6.83%	9Y 6M 4D	23Y 11D
DSP Strategic Bond Fund Growth	₹3,337.03 ↓ -1.35	₹1,531	9.9	7.9	1.6	6.64%	8Y 18D	18Y 6M 22D
Edelweiss Government Securities Fund Growth	₹24.2791 ↓ -0.02	₹172	9.8	6.2	2.5	6.86%	10Y 22D	24Y 10M 2D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 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 (₹1,023 Cr).	Highest AUM (₹3,324 Cr).	Upper mid AUM (₹2,744 Cr).	Lower mid AUM (₹1,169 Cr).	Upper mid AUM (₹1,894 Cr).	Top quartile AUM (₹2,855 Cr).	Bottom quartile AUM (₹619 Cr).	Bottom quartile AUM (₹537 Cr).	Upper mid AUM (₹1,531 Cr).	Bottom quartile AUM (₹172 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: 16.42% (top quartile).	1Y return: 2.97% (bottom quartile).	1Y return: 12.99% (top quartile).	1Y return: 6.32% (upper mid).	1Y return: 4.85% (upper mid).	1Y return: 2.55% (bottom quartile).	1Y return: 5.57% (upper mid).	1Y return: 4.10% (bottom quartile).	1Y return: 4.75% (lower mid).	1Y return: 4.47% (lower mid).
Point 6	1M return: 0.47% (top quartile).	1M return: -2.63% (bottom quartile).	1M return: 0.09% (top quartile).	1M return: -2.20% (lower mid).	1M return: -1.85% (upper mid).	1M return: -2.62% (bottom quartile).	1M return: -1.88% (upper mid).	1M return: -2.25% (bottom quartile).	1M return: -1.70% (upper mid).	1M return: -2.00% (lower mid).
Point 7	Sharpe: 2.49 (top quartile).	Sharpe: -0.04 (bottom quartile).	Sharpe: 2.94 (top quartile).	Sharpe: 0.69 (upper mid).	Sharpe: 0.25 (upper mid).	Sharpe: -0.14 (bottom quartile).	Sharpe: 0.41 (upper mid).	Sharpe: 0.10 (lower mid).	Sharpe: 0.20 (lower mid).	Sharpe: 0.07 (bottom quartile).
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): 7.60% (top quartile).	Yield to maturity (debt): 6.97% (upper mid).	Yield to maturity (debt): 7.44% (top quartile).	Yield to maturity (debt): 7.02% (upper mid).	Yield to maturity (debt): 6.79% (bottom quartile).	Yield to maturity (debt): 6.97% (upper mid).	Yield to maturity (debt): 6.78% (bottom quartile).	Yield to maturity (debt): 6.83% (lower mid).	Yield to maturity (debt): 6.64% (bottom quartile).	Yield to maturity (debt): 6.86% (lower mid).
Point 10	Modified duration: 2.08 yrs (top quartile).	Modified duration: 10.59 yrs (bottom quartile).	Modified duration: 3.55 yrs (top quartile).	Modified duration: 9.24 yrs (upper mid).	Modified duration: 9.26 yrs (lower mid).	Modified duration: 10.59 yrs (bottom quartile).	Modified duration: 8.65 yrs (upper mid).	Modified duration: 9.51 yrs (lower mid).	Modified duration: 8.05 yrs (upper mid).	Modified duration: 10.06 yrs (bottom quartile).

Aditya Birla Sun Life Credit Risk Fund

Lower mid AUM (₹1,023 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 16.42% (top quartile).
1M return: 0.47% (top quartile).
Sharpe: 2.49 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.60% (top quartile).
Modified duration: 2.08 yrs (top quartile).

Bandhan Government Securities Fund - Investment Plan

Highest AUM (₹3,324 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 2.97% (bottom quartile).
1M return: -2.63% (bottom quartile).
Sharpe: -0.04 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.97% (upper mid).
Modified duration: 10.59 yrs (bottom quartile).

Aditya Birla Sun Life Medium Term Plan

Upper mid AUM (₹2,744 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 12.99% (top quartile).
1M return: 0.09% (top quartile).
Sharpe: 2.94 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.44% (top quartile).
Modified duration: 3.55 yrs (top quartile).

ICICI Prudential Long Term Bond Fund

Lower mid AUM (₹1,169 Cr).
Oldest track record among peers (27 yrs).
Rating: 4★ (top quartile).
Risk profile: Moderate.
1Y return: 6.32% (upper mid).
1M return: -2.20% (lower mid).
Sharpe: 0.69 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.02% (upper mid).
Modified duration: 9.24 yrs (upper mid).

DSP Government Securities Fund

Upper mid AUM (₹1,894 Cr).
Established history (25+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 4.85% (upper mid).
1M return: -1.85% (upper mid).
Sharpe: 0.25 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.79% (bottom quartile).
Modified duration: 9.26 yrs (lower mid).

Bandhan Dynamic Bond Fund

Top quartile AUM (₹2,855 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 2.55% (bottom quartile).
1M return: -2.62% (bottom quartile).
Sharpe: -0.14 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.97% (upper mid).
Modified duration: 10.59 yrs (bottom quartile).

Axis Gilt Fund

Bottom quartile AUM (₹619 Cr).
Established history (13+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.57% (upper mid).
1M return: -1.88% (upper mid).
Sharpe: 0.41 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.78% (bottom quartile).
Modified duration: 8.65 yrs (upper mid).

Invesco India Gilt Fund

Bottom quartile AUM (₹537 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 4.10% (bottom quartile).
1M return: -2.25% (bottom quartile).
Sharpe: 0.10 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.83% (lower mid).
Modified duration: 9.51 yrs (lower mid).

DSP Strategic Bond Fund

Upper mid AUM (₹1,531 Cr).
Established history (18+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderate.
1Y return: 4.75% (lower mid).
1M return: -1.70% (upper mid).
Sharpe: 0.20 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.64% (bottom quartile).
Modified duration: 8.05 yrs (upper mid).

Edelweiss Government Securities Fund

Bottom quartile AUM (₹172 Cr).
Established history (11+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 4.47% (lower mid).
1M return: -2.00% (lower mid).
Sharpe: 0.07 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.86% (lower mid).
Modified duration: 10.06 yrs (bottom quartile).

2019 کی کارکردگی پر مبنی ٹاپ پرفارمنگ ہائبرڈ فنڈز

Fund	NAV	Net Assets (Cr)	2024 (%)	2023 (%)	2022 (%)	2021 (%)	2020 (%)
JM Equity Hybrid Fund Growth	₹119.841 ↓ -0.27	₹841	27	33.8	8.1	22.9	30.5
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹37.97 ↓ -0.03	₹1,258	25.8	33.7	-4.8	54.5	31.1
Kotak Equity Hybrid Fund Growth	₹62.593 ↓ -0.20	₹7,864	21.7	20.1	5	28.9	15.4
Bandhan Hybrid Equity Fund Growth	₹26.15 ↓ -0.06	₹1,083	21	20.4	-1.1	30.8	13.9
UTI Multi Asset Fund Growth	₹74.2586 ↓ -0.30	₹5,902	20.7	29.1	4.4	11.8	13.1
Edelweiss Multi Asset Allocation Fund Growth	₹63.65 ↓ -0.13	₹2,994	20.2	25.4	5.3	27.1	12.7
UTI Hybrid Equity Fund Growth	₹401.594 ↓ -1.87	₹6,422	19.7	25.5	5.6	30.5	13.2
BNP Paribas Substantial Equity Hybrid Fund Growth	₹27.7238 ↓ -0.15	₹1,230	19.3	21	4.3	22.2	14.9
DSP Equity and Bond Fund Growth	₹356.511 ↓ -1.40	₹11,436	17.7	25.3	-2.7	24.2	17
Franklin India Equity Hybrid Fund Growth	₹270.911 ↓ -1.07	₹2,256	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 22 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 (₹841 Cr).	Lower mid AUM (₹1,258 Cr).	Top quartile AUM (₹7,864 Cr).	Bottom quartile AUM (₹1,083 Cr).	Upper mid AUM (₹5,902 Cr).	Upper mid AUM (₹2,994 Cr).	Upper mid AUM (₹6,422 Cr).	Bottom quartile AUM (₹1,230 Cr).	Highest AUM (₹11,436 Cr).	Lower mid AUM (₹2,256 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: 21.04% (top quartile).	5Y return: 23.36% (top quartile).	5Y return: 19.39% (upper mid).	5Y return: 18.00% (lower mid).	5Y return: 15.41% (bottom quartile).	5Y return: 19.54% (upper mid).	5Y return: 19.45% (upper mid).	5Y return: 16.26% (bottom quartile).	5Y return: 16.87% (bottom quartile).	5Y return: 17.71% (lower mid).
Point 6	3Y return: 20.86% (top quartile).	3Y return: 20.13% (top quartile).	3Y return: 15.45% (bottom quartile).	3Y return: 15.63% (lower mid).	3Y return: 18.97% (upper mid).	3Y return: 17.77% (upper mid).	3Y return: 16.51% (upper mid).	3Y return: 14.49% (bottom quartile).	3Y return: 15.97% (lower mid).	3Y return: 15.55% (bottom quartile).
Point 7	1Y return: -7.24% (bottom quartile).	1Y return: -3.65% (bottom quartile).	1Y return: 2.26% (lower mid).	1Y return: 6.70% (top quartile).	1Y return: 2.76% (upper mid).	1Y return: 3.13% (upper mid).	1Y return: 0.74% (lower mid).	1Y return: -0.18% (bottom quartile).	1Y return: 4.70% (top quartile).	1Y return: 2.29% (upper mid).
Point 8	1M return: -2.20% (bottom quartile).	1M return: -2.14% (bottom quartile).	1M return: -0.53% (upper mid).	1M return: 0.27% (top quartile).	1M return: -0.56% (upper mid).	1M return: -0.24% (top quartile).	1M return: -1.50% (bottom quartile).	1M return: -1.26% (lower mid).	1M return: -1.16% (lower mid).	1M return: -0.54% (upper mid).
Point 9	Alpha: -7.43 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (upper mid).	Alpha: 6.44 (top quartile).	Alpha: 0.00 (lower mid).	Alpha: 1.29 (upper mid).	Alpha: -0.36 (bottom quartile).	Alpha: -1.51 (bottom quartile).	Alpha: 2.89 (top quartile).	Alpha: -0.16 (lower mid).
Point 10	Sharpe: -0.92 (bottom quartile).	Sharpe: -0.38 (lower mid).	Sharpe: -0.28 (upper mid).	Sharpe: 0.10 (top quartile).	Sharpe: -0.27 (upper mid).	Sharpe: -0.27 (upper mid).	Sharpe: -0.42 (bottom quartile).	Sharpe: -0.51 (bottom quartile).	Sharpe: -0.08 (top quartile).	Sharpe: -0.39 (lower mid).

JM Equity Hybrid Fund

Bottom quartile AUM (₹841 Cr).
Oldest track record among peers (30 yrs).
Rating: 1★ (upper mid).
Risk profile: Moderately High.
5Y return: 21.04% (top quartile).
3Y return: 20.86% (top quartile).
1Y return: -7.24% (bottom quartile).
1M return: -2.20% (bottom quartile).
Alpha: -7.43 (bottom quartile).
Sharpe: -0.92 (bottom quartile).

BOI AXA Mid and Small Cap Equity and Debt Fund

Lower mid AUM (₹1,258 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 23.36% (top quartile).
3Y return: 20.13% (top quartile).
1Y return: -3.65% (bottom quartile).
1M return: -2.14% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.38 (lower mid).

Kotak Equity Hybrid Fund

Top quartile AUM (₹7,864 Cr).
Established history (10+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 19.39% (upper mid).
3Y return: 15.45% (bottom quartile).
1Y return: 2.26% (lower mid).
1M return: -0.53% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.28 (upper mid).

Bandhan Hybrid Equity Fund

Bottom quartile AUM (₹1,083 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 18.00% (lower mid).
3Y return: 15.63% (lower mid).
1Y return: 6.70% (top quartile).
1M return: 0.27% (top quartile).
Alpha: 6.44 (top quartile).
Sharpe: 0.10 (top quartile).

UTI Multi Asset Fund

Upper mid AUM (₹5,902 Cr).
Established history (16+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 15.41% (bottom quartile).
3Y return: 18.97% (upper mid).
1Y return: 2.76% (upper mid).
1M return: -0.56% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.27 (upper mid).

Edelweiss Multi Asset Allocation Fund

Upper mid AUM (₹2,994 Cr).
Established history (16+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.54% (upper mid).
3Y return: 17.77% (upper mid).
1Y return: 3.13% (upper mid).
1M return: -0.24% (top quartile).
Alpha: 1.29 (upper mid).
Sharpe: -0.27 (upper mid).

UTI Hybrid Equity Fund

Upper mid AUM (₹6,422 Cr).
Established history (30+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 19.45% (upper mid).
3Y return: 16.51% (upper mid).
1Y return: 0.74% (lower mid).
1M return: -1.50% (bottom quartile).
Alpha: -0.36 (bottom quartile).
Sharpe: -0.42 (bottom quartile).

BNP Paribas Substantial Equity Hybrid Fund

Bottom quartile AUM (₹1,230 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.26% (bottom quartile).
3Y return: 14.49% (bottom quartile).
1Y return: -0.18% (bottom quartile).
1M return: -1.26% (lower mid).
Alpha: -1.51 (bottom quartile).
Sharpe: -0.51 (bottom quartile).

DSP Equity and Bond Fund

Highest AUM (₹11,436 Cr).
Established history (26+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 16.87% (bottom quartile).
3Y return: 15.97% (lower mid).
1Y return: 4.70% (top quartile).
1M return: -1.16% (lower mid).
Alpha: 2.89 (top quartile).
Sharpe: -0.08 (top quartile).

Franklin India Equity Hybrid Fund

Lower mid AUM (₹2,256 Cr).
Established history (25+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.71% (lower mid).
3Y return: 15.55% (bottom quartile).
1Y return: 2.29% (upper mid).
1M return: -0.54% (upper mid).
Alpha: -0.16 (lower mid).
Sharpe: -0.39 (lower mid).

بہترین باہمی فنڈز کا انتخاب کیسے کریں؟

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۔

Disclaimer:
یہاں فراہم کردہ معلومات کو درست بنانے کے لئے تمام کوششیں کی گئیں ہیں۔ تاہم ، اعداد و شمار کی درستگی کے بارے میں کوئی ضمانت نہیں دی گئی ہے۔ براہ کرم کوئی سرمایہ کاری کرنے سے پہلے اسکیم سے متعلق معلومات کے دستاویز کی تصدیق کریں۔