ایس آئی پی 2022 کے لیے بہترین میوچل فنڈز

Updated on August 18, 2026 , 16592 views

گھونٹ یا منظمسرمایہ کاری کا منصوبہ کے بہترین طریقوں میں سے ایک ہے۔میوچل فنڈز میں سرمایہ کاری کریں۔. یہ ایک سمارٹ اور پریشانی سے پاک موڈ ہے۔سرمایہ کاری میوچل فنڈ اسکیموں میں آپ کے پیسے۔ یہاں، آپ باقاعدہ وقفہ (ماہانہ/سہ ماہی، وغیرہ) پر ایک مخصوص پہلے سے طے شدہ رقم کی سرمایہ کاری کر سکتے ہیں۔ جیسا کہ آپ شروع کر سکتے ہیں۔SIP سرمایہ کاری صرف INR 500 کے ساتھ، یہ سرمایہ کاری کا سب سے سستا ذریعہ بناتا ہے۔ آپ کی رقم آپ سے خود بخود ڈیبٹ ہو جاتی ہے۔بینک اکاؤنٹ اور اسکیم میں سرمایہ کاری کی، جو بالواسطہ طور پر طویل مدت میں بچت کی عادت پیدا کرتی ہے۔ SIP سرمایہ کاری آپ کی منصوبہ بندی کرنے کا ایک بہترین طریقہ ہے۔مالی اہداف. آپ کو ایک مخصوص ہدف مقرر کرنا ہوگا اور اسے پورا کرنے کے لیے درکار وقت اور رقم کا اندازہ لگانا ہوگا۔ ذیل میں ہیںبہترین باہمی فنڈز سرمایہ کاری کی مدت پر مبنی SIP کے لیے اورخطرے کی بھوک. سرمایہ کار ان اسکیموں میں سرمایہ کاری کرکے اپنے سرمایہ کاری کے اہداف کو نشانہ بناسکتے ہیں اور انہیں وقت پر حاصل کرسکتے ہیں۔

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SIP سرمایہ کاری مالی سال 22 - 23 کے لیے سرفہرست میوچل فنڈز

بہترین ایکویٹی ایس آئی پی فنڈز— طویل مدتی دولت کی تخلیق کے لیے

ایکویٹی فنڈز توقع کی جاتی ہے کہ طویل مدت میں زیادہ منافع فراہم کریں گے، لیکن یہ خطرناک فنڈز ہیں۔ وہ سرمایہ کار جو 5 سال سے زیادہ کے لیے سرمایہ کاری کر سکتے ہیں انہیں ایکویٹی فنڈز میں سرمایہ کاری کرنے کا مشورہ دیا جاتا ہے۔ کوئی بھی ان فنڈز میں سرمایہ کاری کرکے اپنے طویل مدتی مالی اہداف کی منصوبہ بندی کر سکتا ہے۔

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
DSP World Gold Fund Growth	₹62.5589 ↑ 3.57	₹1,441	500	11.3	-0.1	86	59.2	29.6	167.1
SBI PSU Fund Growth	₹34.3376 ↑ 0.08	₹6,678	500	-1.2	-6.3	9.4	23	24.2	11.3
ICICI Prudential Infrastructure Fund Growth	₹203.71 ↑ 1.23	₹8,523	100	4	3.1	4.7	19.5	23.4	6.7
Motilal Oswal Midcap 30 Fund Growth	₹105.262 ↑ 1.34	₹40,036	500	14.1	14.8	1	21.4	22.8	-12.1
LIC MF Infrastructure Fund Growth	₹55.3917 ↑ 0.05	₹1,145	1,000	6.3	9.8	13.6	25.1	22.7	-3.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Aug 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP World Gold Fund	SBI PSU Fund	ICICI Prudential Infrastructure Fund	Motilal Oswal Midcap 30 Fund	LIC MF Infrastructure Fund
Point 1	Bottom quartile AUM (₹1,441 Cr).	Lower mid AUM (₹6,678 Cr).	Upper mid AUM (₹8,523 Cr).	Highest AUM (₹40,036 Cr).	Bottom quartile AUM (₹1,145 Cr).
Point 2	Established history (18+ yrs).	Established history (16+ yrs).	Oldest track record among peers (20 yrs).	Established history (12+ yrs).	Established history (18+ yrs).
Point 3	Top rated.	Rating: 2★ (bottom quartile).	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Not Rated.
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.
Point 5	5Y return: 29.59% (top quartile).	5Y return: 24.23% (upper mid).	5Y return: 23.43% (lower mid).	5Y return: 22.76% (bottom quartile).	5Y return: 22.71% (bottom quartile).
Point 6	3Y return: 59.20% (top quartile).	3Y return: 22.96% (lower mid).	3Y return: 19.52% (bottom quartile).	3Y return: 21.45% (bottom quartile).	3Y return: 25.12% (upper mid).
Point 7	1Y return: 86.05% (top quartile).	1Y return: 9.42% (lower mid).	1Y return: 4.67% (bottom quartile).	1Y return: 1.04% (bottom quartile).	1Y return: 13.64% (upper mid).
Point 8	Alpha: 2.59 (upper mid).	Alpha: -0.89 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: -9.71 (bottom quartile).	Alpha: 5.37 (top quartile).
Point 9	Sharpe: 1.14 (top quartile).	Sharpe: 0.28 (upper mid).	Sharpe: 0.04 (bottom quartile).	Sharpe: -0.24 (bottom quartile).	Sharpe: 0.28 (lower mid).
Point 10	Information ratio: -0.56 (bottom quartile).	Information ratio: -0.34 (bottom quartile).	Information ratio: 0.00 (lower mid).	Information ratio: 0.06 (upper mid).	Information ratio: 0.56 (top quartile).

DSP World Gold Fund

Bottom quartile AUM (₹1,441 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 29.59% (top quartile).
3Y return: 59.20% (top quartile).
1Y return: 86.05% (top quartile).
Alpha: 2.59 (upper mid).
Sharpe: 1.14 (top quartile).
Information ratio: -0.56 (bottom quartile).

SBI PSU Fund

Lower mid AUM (₹6,678 Cr).
Established history (16+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 24.23% (upper mid).
3Y return: 22.96% (lower mid).
1Y return: 9.42% (lower mid).
Alpha: -0.89 (bottom quartile).
Sharpe: 0.28 (upper mid).
Information ratio: -0.34 (bottom quartile).

ICICI Prudential Infrastructure Fund

Upper mid AUM (₹8,523 Cr).
Oldest track record among peers (20 yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 23.43% (lower mid).
3Y return: 19.52% (bottom quartile).
1Y return: 4.67% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.04 (bottom quartile).
Information ratio: 0.00 (lower mid).

Motilal Oswal Midcap 30 Fund

Highest AUM (₹40,036 Cr).
Established history (12+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 22.76% (bottom quartile).
3Y return: 21.45% (bottom quartile).
1Y return: 1.04% (bottom quartile).
Alpha: -9.71 (bottom quartile).
Sharpe: -0.24 (bottom quartile).
Information ratio: 0.06 (upper mid).

LIC MF Infrastructure Fund

Bottom quartile AUM (₹1,145 Cr).
Established history (18+ yrs).
Not Rated.
Risk profile: High.
5Y return: 22.71% (bottom quartile).
3Y return: 25.12% (upper mid).
1Y return: 13.64% (upper mid).
Alpha: 5.37 (top quartile).
Sharpe: 0.28 (lower mid).
Information ratio: 0.56 (top quartile).

بہترین ڈیبٹ ایس آئی پی فنڈز— زیادہ سے زیادہ منافع کمانے کے لیے

قرض فنڈ آپ کے پیسے کو محفوظ بنانے اور اوسط مستقل منافع پیدا کرنے کا ایک اچھا طریقہ ہے۔ وہ سرمایہ کار جو مستحکم منافع کی تلاش میں ہیں یا جو تین سال سے کم کے لیے سرمایہ کاری کرنا چاہتے ہیں ان کو ان فنڈز میں سرمایہ کاری کرنے پر غور کرنا چاہیے۔

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Sundaram Short Term Debt Fund Growth	₹36.3802 ↑ 0.01	₹362	250	0.8	11.4	12.8	5.3		4.52%	1Y 2M 13D	1Y 7M 3D
Aditya Birla Sun Life Credit Risk Fund Growth	₹25.3675 ↓ -0.04	₹1,532	100	3.1	4.3	12	12.3	13.4	7.98%	2Y 29D	2Y 9M 4D
Sundaram Low Duration Fund Growth	₹28.8391 ↑ 0.01	₹550	1,000	1	10.2	11.8	5		4.19%	5M 18D	8M 1D
DSP Credit Risk Fund Growth	₹55.0725 ↓ -0.07	₹287	500	3	9.5	10.4	16	21	7.73%	2Y 1M 28D	2Y 10M 17D
Aditya Birla Sun Life Medium Term Plan Growth	₹43.7505 ↓ -0.08	₹3,280	1,000	3.1	3.5	8.7	10	10.9	8.05%	3Y 1M 20D	4Y 7M 24D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Dec 21

Research Highlights & Commentary of 5 Funds showcased

Commentary	Sundaram Short Term Debt Fund	Aditya Birla Sun Life Credit Risk Fund	Sundaram Low Duration Fund	DSP Credit Risk Fund	Aditya Birla Sun Life Medium Term Plan
Point 1	Bottom quartile AUM (₹362 Cr).	Upper mid AUM (₹1,532 Cr).	Lower mid AUM (₹550 Cr).	Bottom quartile AUM (₹287 Cr).	Highest AUM (₹3,280 Cr).
Point 2	Oldest track record among peers (23 yrs).	Established history (11+ yrs).	Established history (19+ yrs).	Established history (23+ yrs).	Established history (17+ yrs).
Point 3	Rating: 2★ (lower mid).	Not Rated.	Rating: 2★ (bottom quartile).	Top rated.	Rating: 4★ (upper mid).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 12.83% (top quartile).	1Y return: 12.05% (upper mid).	1Y return: 11.79% (lower mid).	1Y return: 10.37% (bottom quartile).	1Y return: 8.70% (bottom quartile).
Point 6	1M return: 0.20% (bottom quartile).	1M return: 0.74% (top quartile).	1M return: 0.28% (bottom quartile).	1M return: 0.44% (lower mid).	1M return: 0.49% (upper mid).
Point 7	Sharpe: 0.98 (bottom quartile).	Sharpe: 1.77 (top quartile).	Sharpe: 0.99 (lower mid).	Sharpe: 0.75 (bottom quartile).	Sharpe: 1.10 (upper mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 4.52% (bottom quartile).	Yield to maturity (debt): 7.98% (upper mid).	Yield to maturity (debt): 4.19% (bottom quartile).	Yield to maturity (debt): 7.73% (lower mid).	Yield to maturity (debt): 8.05% (top quartile).
Point 10	Modified duration: 1.20 yrs (upper mid).	Modified duration: 2.08 yrs (lower mid).	Modified duration: 0.47 yrs (top quartile).	Modified duration: 2.16 yrs (bottom quartile).	Modified duration: 3.14 yrs (bottom quartile).

Sundaram Short Term Debt Fund

Bottom quartile AUM (₹362 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately Low.
1Y return: 12.83% (top quartile).
1M return: 0.20% (bottom quartile).
Sharpe: 0.98 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 4.52% (bottom quartile).
Modified duration: 1.20 yrs (upper mid).

Aditya Birla Sun Life Credit Risk Fund

Upper mid AUM (₹1,532 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 12.05% (upper mid).
1M return: 0.74% (top quartile).
Sharpe: 1.77 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.98% (upper mid).
Modified duration: 2.08 yrs (lower mid).

Sundaram Low Duration Fund

Lower mid AUM (₹550 Cr).
Established history (19+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 11.79% (lower mid).
1M return: 0.28% (bottom quartile).
Sharpe: 0.99 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 4.19% (bottom quartile).
Modified duration: 0.47 yrs (top quartile).

DSP Credit Risk Fund

Bottom quartile AUM (₹287 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 10.37% (bottom quartile).
1M return: 0.44% (lower mid).
Sharpe: 0.75 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.73% (lower mid).
Modified duration: 2.16 yrs (bottom quartile).

Aditya Birla Sun Life Medium Term Plan

Highest AUM (₹3,280 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 8.70% (bottom quartile).
1M return: 0.49% (upper mid).
Sharpe: 1.10 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.05% (top quartile).
Modified duration: 3.14 yrs (bottom quartile).

بہترین بیلنسڈ فنڈز— مستحکم منافع کمائیں + طویل مدتی دولت بنائیں

متوازن فنڈ اپنے پیسے کو ایکویٹی اور ڈیٹ فنڈز دونوں میں لگائیں۔ یہ خالص ایکویٹی سے کم غیر مستحکم ہیں۔باہمی چندہ. متوازن فنڈز تین سال سے زیادہ کی مدت میں اعلیٰ منافع فراہم کرتے ہیں۔ وہ سرمایہ کار جو ایکویٹی فنڈز میں سرمایہ کاری کرنا چاہتے ہیں، متوازن فنڈز شروع کرنے کا ایک بہترین طریقہ ہے۔

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹43.08 ↑ 0.25	₹1,841	1,000	7.2	12.7	13.4	17.8	14.9	-0.9
UTI Multi Asset Fund Growth	₹80.0904 ↑ 0.67	₹6,998	500	2.8	0.5	7.4	16.3	13.4	11.1
Sundaram Equity Hybrid Fund Growth	₹135.137 ↑ 0.78	₹1,954	100	0.5	10.5	27.1	16	14.2
SBI Multi Asset Allocation Fund Growth	₹67.1249 ↓ -0.25	₹20,240	500	1.2	0.3	13	15.4	13.2	18.6
ICICI Prudential Multi-Asset Fund Growth	₹817.015 ↓ -2.03	₹86,785	100	2.2	-0.4	7.4	15.3	16.7	18.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Aug 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	BOI AXA Mid and Small Cap Equity and Debt Fund	UTI Multi Asset Fund	Sundaram Equity Hybrid Fund	SBI Multi Asset Allocation Fund	ICICI Prudential Multi-Asset Fund
Point 1	Bottom quartile AUM (₹1,841 Cr).	Lower mid AUM (₹6,998 Cr).	Bottom quartile AUM (₹1,954 Cr).	Upper mid AUM (₹20,240 Cr).	Highest AUM (₹86,785 Cr).
Point 2	Established history (10+ yrs).	Established history (17+ yrs).	Oldest track record among peers (26 yrs).	Established history (20+ yrs).	Established history (23+ yrs).
Point 3	Not Rated.	Rating: 1★ (bottom quartile).	Rating: 2★ (upper mid).	Top rated.	Rating: 2★ (lower mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderately High.
Point 5	5Y return: 14.90% (upper mid).	5Y return: 13.43% (bottom quartile).	5Y return: 14.20% (lower mid).	5Y return: 13.23% (bottom quartile).	5Y return: 16.66% (top quartile).
Point 6	3Y return: 17.76% (top quartile).	3Y return: 16.31% (upper mid).	3Y return: 16.03% (lower mid).	3Y return: 15.44% (bottom quartile).	3Y return: 15.26% (bottom quartile).
Point 7	1Y return: 13.37% (upper mid).	1Y return: 7.38% (bottom quartile).	1Y return: 27.10% (top quartile).	1Y return: 12.96% (lower mid).	1Y return: 7.42% (bottom quartile).
Point 8	1M return: 2.82% (top quartile).	1M return: 2.03% (upper mid).	1M return: 1.80% (lower mid).	1M return: 0.59% (bottom quartile).	1M return: 0.58% (bottom quartile).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 5.81 (top quartile).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.32 (lower mid).	Sharpe: 0.17 (bottom quartile).	Sharpe: 2.64 (top quartile).	Sharpe: 0.63 (upper mid).	Sharpe: 0.28 (bottom quartile).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,841 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 14.90% (upper mid).
3Y return: 17.76% (top quartile).
1Y return: 13.37% (upper mid).
1M return: 2.82% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.32 (lower mid).

UTI Multi Asset Fund

Lower mid AUM (₹6,998 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 13.43% (bottom quartile).
3Y return: 16.31% (upper mid).
1Y return: 7.38% (bottom quartile).
1M return: 2.03% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.17 (bottom quartile).

Sundaram Equity Hybrid Fund

Bottom quartile AUM (₹1,954 Cr).
Oldest track record among peers (26 yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 14.20% (lower mid).
3Y return: 16.03% (lower mid).
1Y return: 27.10% (top quartile).
1M return: 1.80% (lower mid).
Alpha: 5.81 (top quartile).
Sharpe: 2.64 (top quartile).

SBI Multi Asset Allocation Fund

Upper mid AUM (₹20,240 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 13.23% (bottom quartile).
3Y return: 15.44% (bottom quartile).
1Y return: 12.96% (lower mid).
1M return: 0.59% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.63 (upper mid).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹86,785 Cr).
Established history (23+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 16.66% (top quartile).
3Y return: 15.26% (bottom quartile).
1Y return: 7.42% (bottom quartile).
1M return: 0.58% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.28 (bottom quartile).

1. DSP World Gold Fund

"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

Upper mid AUM (₹1,441 Cr).
Oldest track record among peers (18 yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 29.59% (top quartile).
3Y return: 59.20% (top quartile).
1Y return: 86.05% (top quartile).
Alpha: 2.59 (upper mid).
Sharpe: 1.14 (bottom quartile).
Information ratio: -0.56 (bottom quartile).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~93%).
Largest holding BGF World Gold I2 (~67.0%).
Top-3 holdings concentration ~100.3%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (19 Aug 26)	₹62.5589 ↑ 3.57 (6.05 %)
Net Assets (Cr)	₹1,441 on 31 Jul 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	1.14
Information Ratio	-0.56
Alpha Ratio	2.59
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 Jul 21	₹10,000
31 Jul 22	₹7,373
31 Jul 23	₹9,366
31 Jul 24	₹11,150
31 Jul 25	₹16,504
31 Jul 26	₹26,355

DSP World Gold 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 DSP World Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Aug 26

Duration	Returns
1 Month	31.7%
3 Month	11.3%
6 Month	-0.1%
1 Year	86%
3 Year	59.2%
5 Year	29.6%
10 Year
15 Year
Since launch	10.2%

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
Kaivalya Nadkarni	1 May 25	1.25 Yr.

Data below for DSP World Gold Fund as on 31 Jul 26

Equity Sector Allocation

Sector	Value
Basic Materials	92.85%

Asset Allocation

Asset Class	Value
Cash	5.2%
Equity	93.02%
Debt	0.01%
Other	1.77%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	67%	₹960 Cr	983,452 ↓ -21,591
VanEck Gold Miners ETF - \| GDX	29%	₹409 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	5%	₹67 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹4 Cr

2. DSP World Mining Fund

The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in the units of BlackRock Global Funds – World Mining Fund. 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 money market/liquid schemes of DSP BlackRock Mutual Fund, in order to meet liquidity requirements from time to time.

Research Highlights for DSP World Mining Fund

Bottom quartile AUM (₹168 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 19.19% (upper mid).
3Y return: 31.90% (upper mid).
1Y return: 81.90% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 1.67 (upper mid).
Information ratio: 0.00 (top quartile).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding BGF World Mining I2 (~96.5%).
Top-3 holdings concentration ~100.9%.

Below is the key information for DSP World Mining Fund

DSP World Mining Fund Growth
Launch Date	29 Dec 09
NAV (19 Aug 26)	₹34.3681 ↑ 0.98 (2.94 %)
Net Assets (Cr)	₹168 on 31 Jul 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.14
Sharpe Ratio	1.67
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 Jul 21	₹10,000
31 Jul 22	₹8,812
31 Jul 23	₹11,045
31 Jul 24	₹10,685
31 Jul 25	₹11,685
31 Jul 26	₹19,837

DSP World Mining Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for DSP World Mining Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Aug 26

Duration	Returns
1 Month	18.1%
3 Month	7.2%
6 Month	7.3%
1 Year	81.9%
3 Year	31.9%
5 Year	19.2%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	79%
2023	-8.1%
2022	0%
2021	12.2%
2020	18%
2019	34.9%
2018	21.5%
2017	-9.4%
2016	21.1%
2015	49.7%

Fund Manager information for DSP World Mining Fund

Name	Since	Tenure
Kaivalya Nadkarni	1 May 25	1.25 Yr.

Data below for DSP World Mining Fund as on 31 Jul 26

Equity Sector Allocation

Sector	Value
Basic Materials	94.45%
Energy	0.97%

Asset Allocation

Asset Class	Value
Cash	4.56%
Equity	95.43%
Debt	0.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Mining I2 Investment Fund \| -	96%	₹158 Cr	141,034 ↓ -01
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	4%	₹7 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹1 Cr

3. DSP US Flexible Equity Fund

The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of BGF – USFEF. 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 money market/liquid schemes of DSP BlackRock 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. It shall be noted ‘similar overseas mutual fund schemes’ shall have investment objective, investment strategy and risk profile/consideration similar to those of BGF – USFEF.

Research Highlights for DSP US Flexible Equity Fund

Lower mid AUM (₹1,296 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: High.
5Y return: 18.15% (lower mid).
3Y return: 27.46% (lower mid).
1Y return: 39.85% (bottom quartile).
Alpha: -7.66 (bottom quartile).
Sharpe: 1.40 (lower mid).
Information ratio: 0.00 (upper mid).
Top sector: Technology.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding BGF US Flexible Equity I2 (~95.7%).
Top-3 holdings concentration ~100.4%.

Below is the key information for DSP US Flexible Equity Fund

DSP US Flexible Equity Fund Growth
Launch Date	3 Aug 12
NAV (19 Aug 26)	₹93.417 ↓ -0.55 (-0.58 %)
Net Assets (Cr)	₹1,296 on 31 Jul 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.55
Sharpe Ratio	1.4
Information Ratio	0
Alpha Ratio	-7.66
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 Jul 21	₹10,000
31 Jul 22	₹10,023
31 Jul 23	₹11,458
31 Jul 24	₹13,332
31 Jul 25	₹16,454
31 Jul 26	₹22,370

DSP US Flexible Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656 Invest Now

Returns for DSP US Flexible Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Aug 26

Duration	Returns
1 Month	1.9%
3 Month	0.2%
6 Month	20%
1 Year	39.9%
3 Year	27.5%
5 Year	18.2%
10 Year
15 Year
Since launch	17.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	33.8%
2023	17.8%
2022	22%
2021	-5.9%
2020	24.2%
2019	22.6%
2018	27.5%
2017	-1.1%
2016	15.5%
2015	9.8%

Fund Manager information for DSP US Flexible Equity Fund

Name	Since	Tenure
Kaivalya Nadkarni	1 May 25	1.25 Yr.

Data below for DSP US Flexible Equity Fund as on 31 Jul 26

Equity Sector Allocation

Sector	Value
Technology	32.18%
Communication Services	13.8%
Industrials	13.38%
Financial Services	12.1%
Consumer Cyclical	9.45%
Health Care	7.39%
Energy	2.14%
Basic Materials	2.13%
Utility	1.5%

Asset Allocation

Asset Class	Value
Cash	5.91%
Equity	94.07%
Debt	0.02%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF US Flexible Equity I2 Investment Fund \| -	96%	₹1,236 Cr	1,784,131
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	4%	₹58 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹3 Cr

4. Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

The primary investment objective of the Scheme is to seek to provide long term capital growth by investing predominantly in the JPMorgan Funds - Emerging Markets Opportunities Fund, an equity fund which invests primarily in an aggressively managed portfolio of emerging market companies

Research Highlights for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Bottom quartile AUM (₹261 Cr).
Established history (12+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 10.47% (bottom quartile).
3Y return: 27.22% (bottom quartile).
1Y return: 54.23% (lower mid).
Alpha: 4.39 (top quartile).
Sharpe: 1.76 (top quartile).
Information ratio: -0.42 (lower mid).
Top sector: Technology.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding JPM Emerging Mkts Opps I acc USD (~96.5%).
Top-3 holdings concentration ~103.7%.

Below is the key information for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Edelweiss Emerging Markets Opportunities Equity Off-shore Fund Growth
Launch Date	7 Jul 14
NAV (19 Aug 26)	₹27.7347 ↓ -0.34 (-1.20 %)
Net Assets (Cr)	₹261 on 31 Jul 26
Category	Equity - Global
AMC	Edelweiss Asset Management Limited
Rating	☆☆☆
Risk	High
Expense Ratio	1.44
Sharpe Ratio	1.76
Information Ratio	-0.42
Alpha Ratio	4.39
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 Jul 21	₹10,000
31 Jul 22	₹7,821
31 Jul 23	₹8,604
31 Jul 24	₹9,029
31 Jul 25	₹10,507
31 Jul 26	₹16,349

Edelweiss Emerging Markets Opportunities Equity Off-shore Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹395,578.
Net Profit of ₹95,578 Invest Now

Returns for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Aug 26

Duration	Returns
1 Month	2%
3 Month	1%
6 Month	15.6%
1 Year	54.2%
3 Year	27.2%
5 Year	10.5%
10 Year
15 Year
Since launch	8.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	41.1%
2023	5.9%
2022	5.5%
2021	-16.8%
2020	-5.9%
2019	21.7%
2018	25.1%
2017	-7.2%
2016	30%
2015	9.8%

Fund Manager information for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Name	Since	Tenure
Bhavesh Jain	9 Apr 18	8.32 Yr.
Bharat Lahoti	1 Oct 21	4.84 Yr.

Data below for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund as on 31 Jul 26

Equity Sector Allocation

Sector	Value
Technology	41.58%
Financial Services	19.31%
Consumer Cyclical	8.89%
Communication Services	7.15%
Industrials	5.44%
Energy	3.87%
Basic Materials	2.58%
Consumer Defensive	1.76%
Utility	0.97%
Health Care	0.48%

Asset Allocation

Asset Class	Value
Cash	5.58%
Equity	93.57%
Debt	0.02%
Other	0.59%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
JPM Emerging Mkts Opps I acc USD Investment Fund \| -	97%	₹250 Cr	106,892 ↑ 4,756
Clearing Corporation Of India Ltd. CBLO/Reverse Repo \| -	5%	₹14 Cr
Net Receivables/(Payables) CBLO \| -	2%	-₹5 Cr
Accrued Interest CBLO \| -	0%	₹0 Cr

5. Kotak Global Emerging Market Fund

The investment objective of the scheme is to provide long-term capital appreciation by investing in an overseas mutual fund scheme that invests in a diversified portfolio of securities as prescribed by SEBI from time to time in global emerging markets.

Research Highlights for Kotak Global Emerging Market Fund

Highest AUM (₹1,663 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 12.10% (bottom quartile).
3Y return: 25.65% (bottom quartile).
1Y return: 45.35% (bottom quartile).
Alpha: -4.91 (bottom quartile).
Sharpe: 1.39 (bottom quartile).
Information ratio: -0.62 (bottom quartile).
Top sector: Technology.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding CI Emerging Markets Class A (~97.9%).
Top-3 holdings concentration ~100.5%.

Below is the key information for Kotak Global Emerging Market Fund

Kotak Global Emerging Market Fund Growth
Launch Date	26 Sep 07
NAV (19 Aug 26)	₹39.093 ↓ -0.53 (-1.34 %)
Net Assets (Cr)	₹1,663 on 31 Jul 26
Category	Equity - Global
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	1.64
Sharpe Ratio	1.39
Information Ratio	-0.62
Alpha Ratio	-4.91
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 Jul 21	₹10,000
31 Jul 22	₹8,472
31 Jul 23	₹9,265
31 Jul 24	₹9,876
31 Jul 25	₹11,685
31 Jul 26	₹17,135

Kotak Global Emerging Market Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684 Invest Now

Returns for Kotak Global Emerging Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Aug 26

Duration	Returns
1 Month	3.1%
3 Month	0.9%
6 Month	13.3%
1 Year	45.3%
3 Year	25.7%
5 Year	12.1%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	39.1%
2023	5.9%
2022	10.8%
2021	-15%
2020	-0.5%
2019	29.1%
2018	21.4%
2017	-14.4%
2016	30.4%
2015	-1.2%

Fund Manager information for Kotak Global Emerging Market Fund

Name	Since	Tenure
Arjun Khanna	9 May 19	7.24 Yr.

Data below for Kotak Global Emerging Market Fund as on 31 Jul 26

Equity Sector Allocation

Sector	Value
Technology	44.84%
Financial Services	21.03%
Industrials	8.48%
Consumer Cyclical	5.59%
Basic Materials	5.44%
Communication Services	5.12%
Energy	4.24%
Health Care	1.33%

Asset Allocation

Asset Class	Value
Cash	3.92%
Equity	96.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
CI Emerging Markets Class A Investment Fund \| -	98%	₹1,729 Cr	4,586,834 ↓ -2,532
Triparty Repo CBLO/Reverse Repo \| -	2%	₹42 Cr
Net Current Assets/(Liabilities) Net Current Assets \| -	0%	-₹5 Cr

SIP میں سرمایہ کاری کے فوائد

کچھ بڑےسرمایہ کاری کے فوائد SIP میں درج ذیل ہیں:

روپے کی لاگت کا اوسط

زیادہ تر سرمایہ کاروں کو اس میں سرمایہ کاری کرنے کے بہترین وقت کے بارے میں شبہ ہے۔مارکیٹ. وہ غیر مستحکم مارکیٹوں سے پریشان ہیں۔ لیکن، روپے کی اوسط قیمت تمام پریشانیوں کو توڑ دیتی ہے۔ چونکہ آپ باقاعدہ بن گئے ہیں۔سرمایہ کار ایس آئی پی کے ساتھ، آپ کے پیسے زیادہ یونٹ حاصل کرتے ہیں جب حصص کی قیمت کم ہوتی ہے اور قیمت زیادہ ہونے پر کم ہوتی ہے۔ غیر مستحکم سائیکل کے دوران، یہ آپ کو فی یونٹ کم اوسط قیمت حاصل کرنے کی اجازت دے سکتا ہے۔ اس طرح، SIP کے ذریعے سرمایہ کاری کے مثبت اثرات مارکیٹ کے اتار چڑھاو کے وقت کافی واضح ہو جاتے ہیں۔

کمپاؤنڈنگ کی طاقت

SIPs پر کام کرتے ہیں۔کمپاؤنڈنگ کی طاقت. سرمایہ کار تھوڑی سی رقم لگا سکتے ہیں اور دیکھ سکتے ہیں کہ وقت کے ساتھ قیمت میں کیسے اضافہ ہوتا ہے۔ آپ جتنی دیر تک سرمایہ کاری کرتے رہیں گے، آپ کی سرمایہ کاری کی قدر اتنی ہی زیادہ ہوتی جائے گی۔ جیسا کہ، باقاعدہ وقفوں پر حاصل ہونے والے منافع کو فنڈ میں دوبارہ لگایا جاتا ہے، سرمایہ کاروں کو واپسی پر واپسی ملتی ہے۔ اور یہی سلسلہ برسوں چلتا رہتا ہے۔ کمپاؤنڈنگ کی طاقت سے زیادہ سے زیادہ فائدہ اٹھانے کے لیے، سرمایہ کاروں کو اس سے زیادہ سے زیادہ فائدہ اٹھانے کے لیے چھوٹی عمر میں ہی بچت شروع کرنی چاہیے۔

مارکیٹ کو وقت دینے کی ضرورت نہیں۔

SIP کے ساتھ، سرمایہ کاروں کو مارکیٹ کے اوقات کے بارے میں فکر کرنے کی ضرورت نہیں ہے۔ SIP سرمایہ کاروں کو لاگت کا اوسط لگا کر مارکیٹ کے اتار چڑھاؤ پر سوار ہونے میں مدد کرتا ہے کیونکہ وہ مختلف سطحوں پر ایک مقررہ رقم باقاعدگی سے لگاتے ہیں۔

مالی اہداف کے حصول کا آسان طریقہ

جیسا کہ آپ SIP کے ذریعے باقاعدہ سرمایہ کار بن جاتے ہیں، آپ آسانی سے اپنے مالی اہداف کی منصوبہ بندی کر سکتے ہیں۔ مثال کے طور پر، اگر آپ کا قلیل مدتی مقصد 2 سال میں کار خریدنا ہے، تو آپ قرض فنڈز میں سرمایہ کاری کر سکتے ہیں، اور اگر آپ نے طے کر لیا ہے۔ریٹائرمنٹ پلاننگ آپ کے طویل مدتی مقصد کے طور پر، آپ کو ایکویٹی فنڈز میں SIP کے ذریعے سرمایہ کاری کرنی چاہیے۔ SIPs طویل مدت میں بچت کی باقاعدہ عادت بھی پیدا کرتے ہیں۔ وہ سرمایہ کار جو اپنی سرمایہ کاری میں تمام فوائد حاصل کرنا چاہتے ہیں انہیں Mutual Funds میں SIP کا راستہ اختیار کرنا چاہیے۔

ایس آئی پی ریٹرن کیلکولیٹر یا میوچل فنڈ کیلکولیٹر

اےگھونٹ کیلکولیٹر میوچل فنڈز میں سرمایہ کاری کرتے وقت استعمال کرنے کا سب سے زبردست ٹول ہے۔ یہ آپ کی SIP سرمایہ کاری پر متوقع منافع کا تعین کرنے میں مدد کرتا ہے۔ آپ اپنی سرمایہ کاری اور وقت کی مدت کے لیے درکار رقم کا حساب لگا سکتے ہیں جسے آپ کو مخصوص مالی ہدف تک پہنچنے کے لیے سرمایہ کاری میں رہنے کی ضرورت ہے۔

SIP کیلکولیٹر کا استعمال کرتے وقت، کسی کو کچھ متغیرات بھرنے ہوتے ہیں، جن میں شامل ہیں-

سرمایہ کاری کی رقم
مطلوبہ سرمایہ کاری کی مدت
متوقعمہنگائی آنے والے سالوں کے لیے شرح (سالانہ)
سرمایہ کاری پر طویل مدتی ترقی کی شرح

ایک بار جب آپ اوپر دی گئی تمام معلومات کو فیڈ کر دیتے ہیں، تو کیلکولیٹر اس رقم کا تخمینہ لگائے گا جو آپ کو آپ کی سرمایہ کاری کی مدت کے بعد حاصل ہو گی، اس کے ساتھ آپ کو حاصل ہونے والے خالص منافع کا بھی اندازہ ہو گا۔

Disclaimer:
یہاں فراہم کردہ معلومات کے درست ہونے کو یقینی بنانے کے لیے تمام کوششیں کی گئی ہیں۔ تاہم، ڈیٹا کی درستگی کے حوالے سے کوئی ضمانت نہیں دی جاتی ہے۔ براہ کرم کوئی بھی سرمایہ کاری کرنے سے پہلے اسکیم کی معلومات کے دستاویز کے ساتھ تصدیق کریں۔