ایس آئی پی 2022 کے لیے بہترین میوچل فنڈز

Updated on July 29, 2026 , 16198 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۔

Ready to Invest?
Talk to our investment specialist

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 (%)
ICICI Prudential Infrastructure Fund Growth	₹202.51 ↑ 0.83	₹8,550	100	1.1	5.4	4.6	18.4	23	6.7
SBI PSU Fund Growth	₹34.3228 ↑ 0.27	₹6,684	500	-4.4	-1.7	9.6	22.4	22.9	11.3
LIC MF Infrastructure Fund Growth	₹54.5662 ↑ 0.75	₹1,137	1,000	5.3	14.5	9.8	24.5	22.4	-3.7
DSP World Gold Fund Growth	₹50.4247 ↑ 1.63	₹1,433	500	-12.7	-17.8	62.8	43.6	22.1	167.1
Nippon India Power and Infra Fund Growth	₹381.086 ↑ 3.66	₹8,043	100	0.6	14	11.4	19.9	22	-0.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Jul 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Infrastructure Fund	SBI PSU Fund	LIC MF Infrastructure Fund	DSP World Gold Fund	Nippon India Power and Infra Fund
Point 1	Highest AUM (₹8,550 Cr).	Lower mid AUM (₹6,684 Cr).	Bottom quartile AUM (₹1,137 Cr).	Bottom quartile AUM (₹1,433 Cr).	Upper mid AUM (₹8,043 Cr).
Point 2	Established history (20+ yrs).	Established history (16+ yrs).	Established history (18+ yrs).	Established history (18+ yrs).	Oldest track record among peers (22 yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 2★ (bottom quartile).	Not Rated.	Rating: 3★ (lower mid).	Top rated.
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 22.96% (top quartile).	5Y return: 22.88% (upper mid).	5Y return: 22.40% (lower mid).	5Y return: 22.15% (bottom quartile).	5Y return: 21.98% (bottom quartile).
Point 6	3Y return: 18.40% (bottom quartile).	3Y return: 22.37% (lower mid).	3Y return: 24.50% (upper mid).	3Y return: 43.62% (top quartile).	3Y return: 19.91% (bottom quartile).
Point 7	1Y return: 4.59% (bottom quartile).	1Y return: 9.60% (bottom quartile).	1Y return: 9.79% (lower mid).	1Y return: 62.77% (top quartile).	1Y return: 11.37% (upper mid).
Point 8	Alpha: 0.00 (bottom quartile).	Alpha: -0.30 (bottom quartile).	Alpha: 8.41 (upper mid).	Alpha: 2.12 (lower mid).	Alpha: 8.81 (top quartile).
Point 9	Sharpe: -0.07 (bottom quartile).	Sharpe: 0.12 (bottom quartile).	Sharpe: 0.22 (lower mid).	Sharpe: 1.22 (top quartile).	Sharpe: 0.24 (upper mid).
Point 10	Information ratio: 0.00 (lower mid).	Information ratio: -0.11 (bottom quartile).	Information ratio: 0.58 (top quartile).	Information ratio: -0.50 (bottom quartile).	Information ratio: 0.56 (upper mid).

ICICI Prudential Infrastructure Fund

Highest AUM (₹8,550 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 22.96% (top quartile).
3Y return: 18.40% (bottom quartile).
1Y return: 4.59% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.07 (bottom quartile).
Information ratio: 0.00 (lower mid).

SBI PSU Fund

Lower mid AUM (₹6,684 Cr).
Established history (16+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 22.88% (upper mid).
3Y return: 22.37% (lower mid).
1Y return: 9.60% (bottom quartile).
Alpha: -0.30 (bottom quartile).
Sharpe: 0.12 (bottom quartile).
Information ratio: -0.11 (bottom quartile).

LIC MF Infrastructure Fund

Bottom quartile AUM (₹1,137 Cr).
Established history (18+ yrs).
Not Rated.
Risk profile: High.
5Y return: 22.40% (lower mid).
3Y return: 24.50% (upper mid).
1Y return: 9.79% (lower mid).
Alpha: 8.41 (upper mid).
Sharpe: 0.22 (lower mid).
Information ratio: 0.58 (top quartile).

DSP World Gold Fund

Bottom quartile AUM (₹1,433 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 22.15% (bottom quartile).
3Y return: 43.62% (top quartile).
1Y return: 62.77% (top quartile).
Alpha: 2.12 (lower mid).
Sharpe: 1.22 (top quartile).
Information ratio: -0.50 (bottom quartile).

Nippon India Power and Infra Fund

Upper mid AUM (₹8,043 Cr).
Oldest track record among peers (22 yrs).
Top rated.
Risk profile: High.
5Y return: 21.98% (bottom quartile).
3Y return: 19.91% (bottom quartile).
1Y return: 11.37% (upper mid).
Alpha: 8.81 (top quartile).
Sharpe: 0.24 (upper mid).
Information ratio: 0.56 (upper mid).

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	₹25.2587 ↑ 0.01	₹1,461	100	2.7	4.8	11.9	12.2	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	₹54.9552 ↑ 0.01	₹275	500	2.9	8.1	10.1	16	21	7.73%	2Y 1M 28D	2Y 10M 17D
Aditya Birla Sun Life Medium Term Plan Growth	₹43.6388 ↑ 0.02	₹3,213	1,000	2.7	4	8.4	9.9	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 (₹1,461 Cr).	Lower mid AUM (₹550 Cr).	Bottom quartile AUM (₹275 Cr).	Highest AUM (₹3,213 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: 11.87% (upper mid).	1Y return: 11.79% (lower mid).	1Y return: 10.15% (bottom quartile).	1Y return: 8.44% (bottom quartile).
Point 6	1M return: 0.20% (bottom quartile).	1M return: 0.47% (top quartile).	1M return: 0.28% (bottom quartile).	1M return: 0.34% (upper mid).	1M return: 0.30% (lower mid).
Point 7	Sharpe: 0.98 (bottom quartile).	Sharpe: 1.95 (top quartile).	Sharpe: 0.99 (lower mid).	Sharpe: 0.76 (bottom quartile).	Sharpe: 1.29 (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 (₹1,461 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 11.87% (upper mid).
1M return: 0.47% (top quartile).
Sharpe: 1.95 (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 (₹275 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 10.15% (bottom quartile).
1M return: 0.34% (upper mid).
Sharpe: 0.76 (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 (₹3,213 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 8.44% (bottom quartile).
1M return: 0.30% (lower mid).
Sharpe: 1.29 (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	₹41.84 ↑ 0.20	₹1,695	1,000	4.5	10.7	9.8	16.8	13.8	-0.9
Sundaram Equity Hybrid Fund Growth	₹135.137 ↑ 0.78	₹1,954	100	0.5	10.5	27.1	16	14.2
UTI Multi Asset Fund Growth	₹79.0729 ↑ 0.14	₹6,890	500	2.3	-0.6	7.1	15.2	13.4	11.1
SBI Multi Asset Allocation Fund Growth	₹66.5157 ↓ -0.09	₹19,354	500	0.8	-0.6	11.5	15.2	13.1	18.6
ICICI Prudential Multi-Asset Fund Growth	₹813.375 ↑ 1.67	₹84,991	100	1.7	-0.7	7.6	15	16.9	18.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Jul 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	BOI AXA Mid and Small Cap Equity and Debt Fund	Sundaram Equity Hybrid Fund	UTI Multi Asset Fund	SBI Multi Asset Allocation Fund	ICICI Prudential Multi-Asset Fund
Point 1	Bottom quartile AUM (₹1,695 Cr).	Bottom quartile AUM (₹1,954 Cr).	Lower mid AUM (₹6,890 Cr).	Upper mid AUM (₹19,354 Cr).	Highest AUM (₹84,991 Cr).
Point 2	Established history (10+ yrs).	Oldest track record among peers (26 yrs).	Established history (17+ yrs).	Established history (20+ yrs).	Established history (23+ yrs).
Point 3	Not Rated.	Rating: 2★ (upper mid).	Rating: 1★ (bottom quartile).	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: 13.77% (lower mid).	5Y return: 14.20% (upper mid).	5Y return: 13.37% (bottom quartile).	5Y return: 13.07% (bottom quartile).	5Y return: 16.90% (top quartile).
Point 6	3Y return: 16.84% (top quartile).	3Y return: 16.03% (upper mid).	3Y return: 15.23% (lower mid).	3Y return: 15.18% (bottom quartile).	3Y return: 15.00% (bottom quartile).
Point 7	1Y return: 9.85% (lower mid).	1Y return: 27.10% (top quartile).	1Y return: 7.13% (bottom quartile).	1Y return: 11.52% (upper mid).	1Y return: 7.61% (bottom quartile).
Point 8	1M return: 0.34% (bottom quartile).	1M return: 1.80% (upper mid).	1M return: 2.16% (top quartile).	1M return: 0.26% (bottom quartile).	1M return: 1.66% (lower mid).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 5.81 (top quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.17 (lower mid).	Sharpe: 2.64 (top quartile).	Sharpe: -0.11 (bottom quartile).	Sharpe: 0.53 (upper mid).	Sharpe: 0.01 (bottom quartile).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,695 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 13.77% (lower mid).
3Y return: 16.84% (top quartile).
1Y return: 9.85% (lower mid).
1M return: 0.34% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.17 (lower mid).

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% (upper mid).
3Y return: 16.03% (upper mid).
1Y return: 27.10% (top quartile).
1M return: 1.80% (upper mid).
Alpha: 5.81 (top quartile).
Sharpe: 2.64 (top quartile).

UTI Multi Asset Fund

Lower mid AUM (₹6,890 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 13.37% (bottom quartile).
3Y return: 15.23% (lower mid).
1Y return: 7.13% (bottom quartile).
1M return: 2.16% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.11 (bottom quartile).

SBI Multi Asset Allocation Fund

Upper mid AUM (₹19,354 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 13.07% (bottom quartile).
3Y return: 15.18% (bottom quartile).
1Y return: 11.52% (upper mid).
1M return: 0.26% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.53 (upper mid).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹84,991 Cr).
Established history (23+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 16.90% (top quartile).
3Y return: 15.00% (bottom quartile).
1Y return: 7.61% (bottom quartile).
1M return: 1.66% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.01 (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 (₹1,433 Cr).
Established history (18+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 22.15% (upper mid).
3Y return: 43.62% (top quartile).
1Y return: 62.77% (top quartile).
Alpha: 2.12 (lower mid).
Sharpe: 1.22 (upper mid).
Information ratio: -0.50 (bottom quartile).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding BGF World Gold I2 (~68.0%).
Top-3 holdings concentration ~100.4%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (30 Jul 26)	₹50.4247 ↑ 1.63 (3.33 %)
Net Assets (Cr)	₹1,433 on 30 Jun 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	1.22
Information Ratio	-0.5
Alpha Ratio	2.12
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 ₹530,691.
Net Profit of ₹230,691 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 30 Jul 26

Duration	Returns
1 Month	2.3%
3 Month	-12.7%
6 Month	-17.8%
1 Year	62.8%
3 Year	43.6%
5 Year	22.1%
10 Year
15 Year
Since launch	8.9%

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	1.17 Yr.

Data below for DSP World Gold Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Basic Materials	94.47%

Asset Allocation

Asset Class	Value
Cash	3.62%
Equity	94.47%
Debt	0%
Other	1.91%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	68%	₹1,141 Cr	1,005,044
VanEck Gold Miners ETF - \| GDX	29%	₹490 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	3%	₹54 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹6 Cr

2. 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

Bottom quartile AUM (₹1,291 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: High.
5Y return: 17.19% (bottom quartile).
3Y return: 24.61% (upper mid).
1Y return: 36.94% (upper mid).
Alpha: -4.10 (bottom quartile).
Sharpe: 1.93 (top quartile).
Information ratio: 0.15 (lower mid).
Higher exposure to Technology vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~93%).
Largest holding BGF US Flexible Equity I2 (~95.7%).
Top-3 holdings concentration ~100.2%.

Below is the key information for DSP US Flexible Equity Fund

DSP US Flexible Equity Fund Growth
Launch Date	3 Aug 12
NAV (30 Jul 26)	₹90.0193 ↑ 0.77 (0.86 %)
Net Assets (Cr)	₹1,291 on 30 Jun 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.55
Sharpe Ratio	1.93
Information Ratio	0.15
Alpha Ratio	-4.1
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 ₹470,047.
Net Profit of ₹170,047 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 30 Jul 26

Duration	Returns
1 Month	-4.1%
3 Month	1.5%
6 Month	11.7%
1 Year	36.9%
3 Year	24.6%
5 Year	17.2%
10 Year
15 Year
Since launch	17%

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	1.17 Yr.

Data below for DSP US Flexible Equity Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Technology	33.05%
Industrials	13.62%
Financial Services	12.17%
Communication Services	12.05%
Consumer Cyclical	9.62%
Health Care	7.65%
Basic Materials	2.45%
Energy	2.43%

Asset Allocation

Asset Class	Value
Cash	6.96%
Equity	93.02%
Debt	0.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF US Flexible Equity I2 Investment Fund \| -	96%	₹1,265 Cr	1,784,131 ↓ -32,921
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	4%	₹59 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹2 Cr

3. LIC MF Infrastructure Fund

The investment objective of the scheme is to provide long term growth from a portfolio of equity / equity related instruments of companies engaged either directly or indirectly in the infrastructure sector.

Research Highlights for LIC MF Infrastructure Fund

Bottom quartile AUM (₹1,137 Cr).
Established history (18+ yrs).
Not Rated.
Risk profile: High.
5Y return: 22.40% (top quartile).
3Y return: 24.50% (lower mid).
1Y return: 9.79% (bottom quartile).
Alpha: 8.41 (top quartile).
Sharpe: 0.22 (bottom quartile).
Information ratio: 0.58 (top quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Larsen & Toubro Ltd (~4.0%).

Below is the key information for LIC MF Infrastructure Fund

LIC MF Infrastructure Fund Growth
Launch Date	29 Feb 08
NAV (31 Jul 26)	₹54.5662 ↑ 0.75 (1.39 %)
Net Assets (Cr)	₹1,137 on 30 Jun 26
Category	Equity - Sectoral
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	Not Rated
Risk	High
Expense Ratio	2.21
Sharpe Ratio	0.22
Information Ratio	0.58
Alpha Ratio	8.41
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	₹11,519
31 Jul 23	₹14,236
31 Jul 24	₹26,350
31 Jul 25	₹25,021
31 Jul 26	₹27,470

LIC MF Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 Invest Now

Returns for LIC MF Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jul 26

Duration	Returns
1 Month	-0.9%
3 Month	5.3%
6 Month	14.5%
1 Year	9.8%
3 Year	24.5%
5 Year	22.4%
10 Year
15 Year
Since launch	9.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-3.7%
2023	47.8%
2022	44.4%
2021	7.9%
2020	46.6%
2019	-0.1%
2018	13.3%
2017	-14.6%
2016	42.2%
2015	-2.2%

Fund Manager information for LIC MF Infrastructure Fund

Name	Since	Tenure
Sumit Bhatnagar	7 Apr 26	0.23 Yr.
Mahesh Bendre	1 Jul 24	2 Yr.

Data below for LIC MF Infrastructure Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Industrials	37.05%
Consumer Cyclical	20.88%
Basic Materials	12.42%
Utility	11.88%
Communication Services	5.02%
Financial Services	3.98%
Real Estate	1.97%
Health Care	1.89%
Technology	1.08%

Asset Allocation

Asset Class	Value
Cash	3.82%
Equity	96.18%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Apr 09 \| LT	4%	₹44 Cr	106,968 ↓ -10,884
Garware Hi-Tech Films Ltd (Basic Materials) Equity, Since 31 Aug 23 \| 500655	4%	₹40 Cr	65,325 ↓ -7,684
Tata Motors Passenger Vehicles Ltd (Consumer Cyclical) Equity, Since 28 Feb 26 \| TMPV	4%	₹39 Cr	982,891 ↓ -332,760
Tata Motors Ltd (Consumer Cyclical) Equity, Since 31 Oct 25 \| TMCV	4%	₹39 Cr	1,015,933 ↑ 26,983
Tata Power Co Ltd (Utilities) Equity, Since 29 Feb 24 \| TATAPOWER	3%	₹36 Cr	861,040 ↑ 524,312
KSH International Ltd (Industrials) Equity, Since 31 Dec 25 \| KSHINTL	3%	₹34 Cr	432,816 ↑ 6,280
Siemens Energy India Ltd (Utilities) Equity, Since 31 Aug 25 \| ENRIN	3%	₹34 Cr	87,106 ↑ 24,800
JSW Infrastructure Ltd (Industrials) Equity, Since 30 Apr 26 \| JSWINFRA	3%	₹31 Cr	1,133,858 ↑ 745,681
Carraro India Ltd (Consumer Cyclical) Equity, Since 31 Dec 24 \| CARRARO	3%	₹31 Cr	572,991
Bharat Dynamics Ltd Ordinary Shares (Industrials) Equity, Since 31 Jan 26 \| BDL	3%	₹29 Cr	242,954 ↑ 157,744

4. Invesco India Mid Cap Fund

The Scheme seeks to provide long term capital appreciation by investing in a portfolio that is predominantly constituted of equity and equity related instruments of mid cap companies. However, there can be no assurance that the funds objectives will be achieved.

Research Highlights for Invesco India Mid Cap Fund

Highest AUM (₹13,767 Cr).
Established history (19+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.19% (lower mid).
3Y return: 24.06% (bottom quartile).
1Y return: 10.22% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.19 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding BSE Ltd (~6.1%).

Below is the key information for Invesco India Mid Cap Fund

Invesco India Mid Cap Fund Growth
Launch Date	19 Apr 07
NAV (31 Jul 26)	₹197.72 ↑ 0.24 (0.12 %)
Net Assets (Cr)	₹13,767 on 30 Jun 26
Category	Equity - Mid Cap
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.82
Sharpe Ratio	0.19
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,219
31 Jul 23	₹12,600
31 Jul 24	₹19,551
31 Jul 25	₹21,829
31 Jul 26	₹24,059

Invesco India Mid Cap 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 Invesco India Mid Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jul 26

Duration	Returns
1 Month	1.3%
3 Month	10.5%
6 Month	14.9%
1 Year	10.2%
3 Year	24.1%
5 Year	19.2%
10 Year
15 Year
Since launch	16.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.3%
2023	43.1%
2022	34.1%
2021	0.5%
2020	43.1%
2019	24.4%
2018	3.8%
2017	-5.3%
2016	44.3%
2015	1.1%

Fund Manager information for Invesco India Mid Cap Fund

Name	Since	Tenure
Aditya Khemani	9 Nov 23	2.64 Yr.

Data below for Invesco India Mid Cap Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	30.63%
Health Care	18.1%
Consumer Cyclical	16.29%
Industrials	15.05%
Real Estate	8.55%
Technology	4.13%
Basic Materials	3.85%
Utility	1.93%

Asset Allocation

Asset Class	Value
Cash	1.46%
Equity	98.54%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BSE Ltd (Financial Services) Equity, Since 31 Dec 23 \| BSE	6%	₹750 Cr	1,809,521 ↓ -89,716
Prestige Estates Projects Ltd (Real Estate) Equity, Since 30 Nov 23 \| PRESTIGE	6%	₹725 Cr	5,296,606 ↑ 150,291
The Federal Bank Ltd (Financial Services) Equity, Since 31 Oct 22 \| FEDERALBNK	5%	₹644 Cr	22,304,132
AU Small Finance Bank Ltd (Financial Services) Equity, Since 31 Jul 25 \| AUBANK	5%	₹585 Cr	5,936,790
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Aug 25 \| ETERNAL	4%	₹555 Cr	22,166,702 ↑ 799,446
Global Health Ltd (Healthcare) Equity, Since 30 Nov 23 \| MEDANTA	4%	₹544 Cr	4,577,395
InterGlobe Aviation Ltd (Industrials) Equity, Since 30 Apr 24 \| INDIGO	4%	₹523 Cr	1,186,438 ↑ 53,285
Max Healthcare Institute Ltd Ordinary Shares (Healthcare) Equity, Since 31 Dec 22 \| MAXHEALTH	4%	₹506 Cr	5,241,044
L&T Finance Ltd (Financial Services) Equity, Since 31 Dec 23 \| LTF	4%	₹483 Cr	16,854,973
IndusInd Bank Ltd (Financial Services) Equity, Since 31 Jan 26 \| INDUSINDBK	4%	₹472 Cr	5,164,015

5. UTI Healthcare Fund

(Erstwhile UTI Pharma & Healthcare Fund)

The Investment objective of the Scheme is capital appreciation through investments in equities and equity related instruments of the Pharma & Healthcare sectors.

Research Highlights for UTI Healthcare Fund

Lower mid AUM (₹1,308 Cr).
Oldest track record among peers (27 yrs).
Rating: 1★ (bottom quartile).
Risk profile: High.
5Y return: 14.70% (bottom quartile).
3Y return: 23.21% (bottom quartile).
1Y return: 12.75% (lower mid).
Alpha: 2.15 (upper mid).
Sharpe: 0.58 (lower mid).
Information ratio: 0.20 (upper mid).
Higher exposure to Health Care vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding Sun Pharmaceuticals Industries Ltd (~8.9%).

Below is the key information for UTI Healthcare Fund

UTI Healthcare Fund Growth
Launch Date	28 Jun 99
NAV (31 Jul 26)	₹334.51 ↑ 0.45 (0.14 %)
Net Assets (Cr)	₹1,308 on 30 Jun 26
Category	Equity - Sectoral
AMC	UTI Asset Management Company Ltd
Rating	☆
Risk	High
Expense Ratio	2.26
Sharpe Ratio	0.58
Information Ratio	0.2
Alpha Ratio	2.15
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹8,749
31 Jul 23	₹10,615
31 Jul 24	₹15,542
31 Jul 25	₹17,610
31 Jul 26	₹19,855

UTI Healthcare Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for UTI Healthcare Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jul 26

Duration	Returns
1 Month	2.6%
3 Month	14.3%
6 Month	22.9%
1 Year	12.7%
3 Year	23.2%
5 Year	14.7%
10 Year
15 Year
Since launch	15%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-3.1%
2023	42.9%
2022	38.2%
2021	-12.3%
2020	19.1%
2019	67.4%
2018	1.2%
2017	-7.5%
2016	6.2%
2015	-9.7%

Fund Manager information for UTI Healthcare Fund

Name	Since	Tenure
Kamal Gada	2 May 22	4.17 Yr.

Data below for UTI Healthcare Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Health Care	94.45%

Asset Allocation

Asset Class	Value
Cash	5.55%
Equity	94.45%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 31 Oct 06 \| SUNPHARMA	9%	₹108 Cr	600,000
Divi's Laboratories Ltd (Healthcare) Equity, Since 30 Sep 17 \| DIVISLAB	5%	₹59 Cr	88,814 ↑ 28,076
Ajanta Pharma Ltd (Healthcare) Equity, Since 31 Jul 17 \| AJANTPHARM	5%	₹57 Cr	195,295 ↓ -41,216
Gland Pharma Ltd (Healthcare) Equity, Since 30 Nov 20 \| GLAND	4%	₹48 Cr	215,251
Lupin Ltd (Healthcare) Equity, Since 28 Feb 25 \| LUPIN	4%	₹46 Cr	203,834 ↓ -6,166
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 30 Apr 21 \| APOLLOHOSP	4%	₹43 Cr	53,000
Dr Reddy's Laboratories Ltd (Healthcare) Equity, Since 28 Feb 18 \| DRREDDY	3%	₹38 Cr	290,000
Caplin Point Laboratories Ltd (Healthcare) Equity, Since 31 Dec 23 \| CAPLIPOINT	3%	₹37 Cr	185,000 ↑ 39,847
Alkem Laboratories Ltd (Healthcare) Equity, Since 31 May 21 \| ALKEM	3%	₹37 Cr	68,000
Fortis Healthcare Ltd (Healthcare) Equity, Since 31 Dec 20 \| FORTIS	3%	₹37 Cr	400,000

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۔