ایس آئی پی 2022 کے لیے بہترین میوچل فنڈز

Updated on November 3, 2026 , 17573 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 (%)	2025 (%)
DSP World Gold Fund Growth	₹55.8025 ↑ 1.32	₹1,665	500	2.6	-2	35.4	50.6	26.5	167.1
SBI PSU Fund Growth	₹33.586 ↑ 0.13	₹6,354	500	-3.3	-6.8	-0.7	19.5	20.3	11.3
DSP India T.I.G.E.R Fund Growth	₹347.372 ↑ 0.91	₹6,265	500	-4.5	-0.3	8.5	19.2	19	-2.5
LIC MF Infrastructure Fund Growth	₹53.2001 ↓ -0.48	₹1,153	1,000	-3.1	2.9	5	21.1	18.7	-3.7
BOI AXA Manufacturing and Infrastructure Fund Growth	₹66.77 ↓ -0.13	₹984	1,000	-0.6	5.5	13.1	20.4	18.6	7.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 5 Nov 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP World Gold Fund	SBI PSU Fund	DSP India T.I.G.E.R Fund	LIC MF Infrastructure Fund	BOI AXA Manufacturing and Infrastructure Fund
Point 1	Lower mid AUM (₹1,665 Cr).	Highest AUM (₹6,354 Cr).	Upper mid AUM (₹6,265 Cr).	Bottom quartile AUM (₹1,153 Cr).	Bottom quartile AUM (₹984 Cr).
Point 2	Established history (19+ yrs).	Established history (16+ yrs).	Oldest track record among peers (22 yrs).	Established history (18+ yrs).	Established history (16+ yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 2★ (lower mid).	Top rated.	Not Rated.	Not Rated.
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 26.49% (top quartile).	5Y return: 20.33% (upper mid).	5Y return: 18.98% (lower mid).	5Y return: 18.70% (bottom quartile).	5Y return: 18.58% (bottom quartile).
Point 6	3Y return: 50.55% (top quartile).	3Y return: 19.49% (bottom quartile).	3Y return: 19.21% (bottom quartile).	3Y return: 21.12% (upper mid).	3Y return: 20.41% (lower mid).
Point 7	1Y return: 35.45% (top quartile).	1Y return: -0.72% (bottom quartile).	1Y return: 8.46% (lower mid).	1Y return: 5.02% (bottom quartile).	1Y return: 13.14% (upper mid).
Point 8	Alpha: 4.06 (upper mid).	Alpha: -0.21 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: 12.01 (top quartile).	Alpha: 0.00 (bottom quartile).
Point 9	Sharpe: 0.67 (upper mid).	Sharpe: -0.14 (bottom quartile).	Sharpe: 0.38 (lower mid).	Sharpe: 0.27 (bottom quartile).	Sharpe: 0.70 (top quartile).
Point 10	Information ratio: -0.80 (bottom quartile).	Information ratio: -0.42 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.62 (top quartile).	Information ratio: 0.00 (lower mid).

DSP World Gold Fund

Lower mid AUM (₹1,665 Cr).
Established history (19+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 26.49% (top quartile).
3Y return: 50.55% (top quartile).
1Y return: 35.45% (top quartile).
Alpha: 4.06 (upper mid).
Sharpe: 0.67 (upper mid).
Information ratio: -0.80 (bottom quartile).

SBI PSU Fund

Highest AUM (₹6,354 Cr).
Established history (16+ yrs).
Rating: 2★ (lower mid).
Risk profile: High.
5Y return: 20.33% (upper mid).
3Y return: 19.49% (bottom quartile).
1Y return: -0.72% (bottom quartile).
Alpha: -0.21 (bottom quartile).
Sharpe: -0.14 (bottom quartile).
Information ratio: -0.42 (bottom quartile).

DSP India T.I.G.E.R Fund

Upper mid AUM (₹6,265 Cr).
Oldest track record among peers (22 yrs).
Top rated.
Risk profile: High.
5Y return: 18.98% (lower mid).
3Y return: 19.21% (bottom quartile).
1Y return: 8.46% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.38 (lower mid).
Information ratio: 0.00 (upper mid).

LIC MF Infrastructure Fund

Bottom quartile AUM (₹1,153 Cr).
Established history (18+ yrs).
Not Rated.
Risk profile: High.
5Y return: 18.70% (bottom quartile).
3Y return: 21.12% (upper mid).
1Y return: 5.02% (bottom quartile).
Alpha: 12.01 (top quartile).
Sharpe: 0.27 (bottom quartile).
Information ratio: 0.62 (top quartile).

BOI AXA Manufacturing and Infrastructure Fund

Bottom quartile AUM (₹984 Cr).
Established history (16+ yrs).
Not Rated.
Risk profile: High.
5Y return: 18.58% (bottom quartile).
3Y return: 20.41% (lower mid).
1Y return: 13.14% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.70 (top quartile).
Information ratio: 0.00 (lower 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 (%)	2025 (%)	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
Sundaram Low Duration Fund Growth	₹28.8391 ↑ 0.01	₹550	1,000	1	10.2	11.8	5		4.19%	5M 18D	8M 1D
Aditya Birla Sun Life Credit Risk Fund Growth	₹25.5547 ↓ 0.00	₹1,657	100	1	3.7	10.7	12.1	13.4	8.24%	1Y 7M 10D	2Y 2M 12D
DSP Credit Risk Fund Growth	₹55.4518 ↑ 0.00	₹326	500	0.7	3.7	9.8	12.9	21	8.26%	2Y 1M 2D	2Y 3M 7D
Aditya Birla Sun Life Medium Term Plan Growth	₹43.9416 ↓ -0.02	₹3,370	1,000	0.6	3.4	7.3	9.8	10.9	7.99%	2Y 5M 8D	4Y 25D
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	Sundaram Low Duration Fund	Aditya Birla Sun Life Credit Risk Fund	DSP Credit Risk Fund	Aditya Birla Sun Life Medium Term Plan
Point 1	Bottom quartile AUM (₹362 Cr).	Lower mid AUM (₹550 Cr).	Upper mid AUM (₹1,657 Cr).	Bottom quartile AUM (₹326 Cr).	Highest AUM (₹3,370 Cr).
Point 2	Oldest track record among peers (24 yrs).	Established history (19+ yrs).	Established history (11+ yrs).	Established history (23+ yrs).	Established history (17+ yrs).
Point 3	Rating: 2★ (lower mid).	Rating: 2★ (bottom quartile).	Not Rated.	Top rated.	Rating: 4★ (upper mid).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 12.83% (top quartile).	1Y return: 11.79% (upper mid).	1Y return: 10.68% (lower mid).	1Y return: 9.83% (bottom quartile).	1Y return: 7.35% (bottom quartile).
Point 6	1M return: 0.20% (bottom quartile).	1M return: 0.28% (bottom quartile).	1M return: 0.39% (upper mid).	1M return: 0.34% (lower mid).	1M return: 0.44% (top quartile).
Point 7	Sharpe: 0.98 (lower mid).	Sharpe: 0.99 (upper mid).	Sharpe: 1.61 (top quartile).	Sharpe: 0.75 (bottom quartile).	Sharpe: 0.92 (bottom quartile).
Point 8	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 1.23 (top quartile).	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): 4.19% (bottom quartile).	Yield to maturity (debt): 8.24% (upper mid).	Yield to maturity (debt): 8.26% (top quartile).	Yield to maturity (debt): 7.99% (lower mid).
Point 10	Modified duration: 1.20 yrs (upper mid).	Modified duration: 0.47 yrs (top quartile).	Modified duration: 1.61 yrs (lower mid).	Modified duration: 2.09 yrs (bottom quartile).	Modified duration: 2.44 yrs (bottom quartile).

Sundaram Short Term Debt Fund

Bottom quartile AUM (₹362 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately Low.
1Y return: 12.83% (top quartile).
1M return: 0.20% (bottom quartile).
Sharpe: 0.98 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 4.52% (bottom quartile).
Modified duration: 1.20 yrs (upper 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% (upper mid).
1M return: 0.28% (bottom quartile).
Sharpe: 0.99 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 4.19% (bottom quartile).
Modified duration: 0.47 yrs (top quartile).

Aditya Birla Sun Life Credit Risk Fund

Upper mid AUM (₹1,657 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 10.68% (lower mid).
1M return: 0.39% (upper mid).
Sharpe: 1.61 (top quartile).
Information ratio: 1.23 (top quartile).
Yield to maturity (debt): 8.24% (upper mid).
Modified duration: 1.61 yrs (lower mid).

DSP Credit Risk Fund

Bottom quartile AUM (₹326 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 9.83% (bottom quartile).
1M return: 0.34% (lower mid).
Sharpe: 0.75 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.26% (top quartile).
Modified duration: 2.09 yrs (bottom quartile).

Aditya Birla Sun Life Medium Term Plan

Highest AUM (₹3,370 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 7.35% (bottom quartile).
1M return: 0.44% (top quartile).
Sharpe: 0.92 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.99% (lower mid).
Modified duration: 2.44 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 (%)	2025 (%)
Sundaram Equity Hybrid Fund Growth	₹135.137 ↑ 0.78	₹1,954	100	0.5	10.5	27.1	16	14.2
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹41.75 ↓ -0.30	₹2,196	1,000	-0.8	4.3	9.7	14.7	12.9	-0.9
IDBI Hybrid Equity Fund Growth	₹17.1253 ↓ -0.01	₹179	500	7.8	9.8	12.1	14.4	7.1
Bandhan Hybrid Equity Fund Growth	₹28.611 ↑ 0.27	₹2,663	100	0	6.5	5.5	14.4	10.3	7.7
Baroda Pioneer Hybrid Equity Fund Growth	₹81.2894 ↑ 0.36	₹389	500	-3.5	-0.8	14.8	14.3	11.2
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 Equity Hybrid Fund	BOI AXA Mid and Small Cap Equity and Debt Fund	IDBI Hybrid Equity Fund	Bandhan Hybrid Equity Fund	Baroda Pioneer Hybrid Equity Fund
Point 1	Lower mid AUM (₹1,954 Cr).	Upper mid AUM (₹2,196 Cr).	Bottom quartile AUM (₹179 Cr).	Highest AUM (₹2,663 Cr).	Bottom quartile AUM (₹389 Cr).
Point 2	Oldest track record among peers (26 yrs).	Established history (10+ yrs).	Established history (10+ yrs).	Established history (9+ yrs).	Established history (23+ yrs).
Point 3	Rating: 2★ (upper mid).	Not Rated.	Not Rated.	Not Rated.	Top rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 14.20% (top quartile).	5Y return: 12.94% (upper mid).	5Y return: 7.09% (bottom quartile).	5Y return: 10.35% (bottom quartile).	5Y return: 11.17% (lower mid).
Point 6	3Y return: 16.03% (top quartile).	3Y return: 14.65% (upper mid).	3Y return: 14.43% (lower mid).	3Y return: 14.38% (bottom quartile).	3Y return: 14.26% (bottom quartile).
Point 7	1Y return: 27.10% (top quartile).	1Y return: 9.71% (bottom quartile).	1Y return: 12.06% (lower mid).	1Y return: 5.46% (bottom quartile).	1Y return: 14.82% (upper mid).
Point 8	1M return: 1.80% (lower mid).	1M return: -0.99% (bottom quartile).	1M return: 2.10% (upper mid).	1M return: 4.73% (top quartile).	1M return: -2.79% (bottom quartile).
Point 9	Alpha: 5.81 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: -0.26 (bottom quartile).	Alpha: 6.68 (top quartile).	Alpha: 6.53 (upper mid).
Point 10	Sharpe: 2.64 (top quartile).	Sharpe: 0.54 (bottom quartile).	Sharpe: 1.03 (lower mid).	Sharpe: 0.01 (bottom quartile).	Sharpe: 2.59 (upper mid).

Sundaram Equity Hybrid Fund

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

BOI AXA Mid and Small Cap Equity and Debt Fund

Upper mid AUM (₹2,196 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 12.94% (upper mid).
3Y return: 14.65% (upper mid).
1Y return: 9.71% (bottom quartile).
1M return: -0.99% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.54 (bottom quartile).

IDBI Hybrid Equity Fund

Bottom quartile AUM (₹179 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 7.09% (bottom quartile).
3Y return: 14.43% (lower mid).
1Y return: 12.06% (lower mid).
1M return: 2.10% (upper mid).
Alpha: -0.26 (bottom quartile).
Sharpe: 1.03 (lower mid).

Bandhan Hybrid Equity Fund

Highest AUM (₹2,663 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 10.35% (bottom quartile).
3Y return: 14.38% (bottom quartile).
1Y return: 5.46% (bottom quartile).
1M return: 4.73% (top quartile).
Alpha: 6.68 (top quartile).
Sharpe: 0.01 (bottom quartile).

Baroda Pioneer Hybrid Equity Fund

Bottom quartile AUM (₹389 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 11.17% (lower mid).
3Y return: 14.26% (bottom quartile).
1Y return: 14.82% (upper mid).
1M return: -2.79% (bottom quartile).
Alpha: 6.53 (upper mid).
Sharpe: 2.59 (upper mid).

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 (₹1,665 Cr).
Established history (19+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 26.49% (top quartile).
3Y return: 50.55% (top quartile).
1Y return: 35.45% (upper mid).
Alpha: 4.06 (top quartile).
Sharpe: 0.67 (bottom quartile).
Information ratio: -0.80 (bottom quartile).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding BGF World Gold I2 (~68.0%).
Top-3 holdings concentration ~100.1%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (05 Nov 26)	₹55.8025 ↑ 1.32 (2.42 %)
Net Assets (Cr)	₹1,665 on 30 Sep 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	0.67
Information Ratio	-0.8
Alpha Ratio	4.06
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 Oct 21	₹10,000
31 Oct 22	₹7,688
31 Oct 23	₹9,083
31 Oct 24	₹12,987
31 Oct 25	₹24,285
31 Oct 26	₹29,194

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹584,107.
Net Profit of ₹284,107 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 5 Nov 26

Duration	Returns
1 Month	-3.2%
3 Month	2.6%
6 Month	-2%
1 Year	35.4%
3 Year	50.6%
5 Year	26.5%
10 Year
15 Year
Since launch	9.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	167.1%
2024	15.9%
2023	7%
2022	-7.7%
2021	-9%
2020	31.4%
2019	35.1%
2018	-10.7%
2017	-4%
2016	52.7%

Fund Manager information for DSP World Gold Fund

Name	Since	Tenure
Kaivalya Nadkarni	1 May 25	1.42 Yr.

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

Equity Sector Allocation

Sector	Value
Basic Materials	94.33%

Asset Allocation

Asset Class	Value
Cash	3.43%
Equity	94.62%
Debt	0.01%
Other	1.94%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	68%	₹1,133 Cr	958,135
VanEck Gold Miners ETF - \| GDX	29%	₹483 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	3%	₹50 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹1 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 (₹176 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 16.93% (lower mid).
3Y return: 26.25% (upper mid).
1Y return: 35.95% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 1.05 (upper mid).
Information ratio: 0.00 (upper mid).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding BGF World Mining I2 (~97.2%).
Top-3 holdings concentration ~100.3%.

Below is the key information for DSP World Mining Fund

DSP World Mining Fund Growth
Launch Date	29 Dec 09
NAV (05 Nov 26)	₹29.8467 ↓ -0.11 (-0.38 %)
Net Assets (Cr)	₹176 on 30 Sep 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.14
Sharpe Ratio	1.05
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 Oct 21	₹10,000
31 Oct 22	₹9,981
31 Oct 23	₹10,267
31 Oct 24	₹12,008
31 Oct 25	₹16,345
31 Oct 26	₹21,095

DSP World Mining Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 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 5 Nov 26

Duration	Returns
1 Month	-8%
3 Month	-8.8%
6 Month	-6.7%
1 Year	35.9%
3 Year	26.2%
5 Year	16.9%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	79%
2024	-8.1%
2023	0%
2022	12.2%
2021	18%
2020	34.9%
2019	21.5%
2018	-9.4%
2017	21.1%
2016	49.7%

Fund Manager information for DSP World Mining Fund

Name	Since	Tenure
Kaivalya Nadkarni	1 May 25	1.42 Yr.

Data below for DSP World Mining Fund as on 30 Sep 26

Equity Sector Allocation

Sector	Value
Basic Materials	95.46%
Energy	0.85%

Asset Allocation

Asset Class	Value
Cash	3.68%
Equity	96.32%
Debt	0.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Mining I2 Investment Fund \| -	97%	₹171 Cr	139,088
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	3%	₹5 Cr
Net Receivables/Payables Net Current Assets \| -	0%	₹0 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 (₹1,280 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: High.
5Y return: 16.41% (bottom quartile).
3Y return: 26.01% (lower mid).
1Y return: 20.22% (bottom quartile).
Alpha: -4.45 (bottom quartile).
Sharpe: 1.20 (top quartile).
Information ratio: -0.08 (bottom quartile).
Higher exposure to Technology vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding BGF US Flexible Equity I2 (~96.3%).
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 (05 Nov 26)	₹89.0443 ↓ -2.13 (-2.34 %)
Net Assets (Cr)	₹1,280 on 30 Sep 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.55
Sharpe Ratio	1.2
Information Ratio	-0.08
Alpha Ratio	-4.45
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 Oct 21	₹10,000
31 Oct 22	₹9,621
31 Oct 23	₹10,379
31 Oct 24	₹13,099
31 Oct 25	₹17,978
31 Oct 26	₹21,817

DSP US Flexible Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 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 5 Nov 26

Duration	Returns
1 Month	-6%
3 Month	-6.7%
6 Month	-2.6%
1 Year	20.2%
3 Year	26%
5 Year	16.4%
10 Year
15 Year
Since launch	16.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	33.8%
2024	17.8%
2023	22%
2022	-5.9%
2021	24.2%
2020	22.6%
2019	27.5%
2018	-1.1%
2017	15.5%
2016	9.8%

Fund Manager information for DSP US Flexible Equity Fund

Name	Since	Tenure
Kaivalya Nadkarni	1 May 25	1.42 Yr.

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

Equity Sector Allocation

Sector	Value
Technology	33.48%
Industrials	12.59%
Financial Services	10.09%
Health Care	9.37%
Consumer Cyclical	9.32%
Communication Services	8.3%
Basic Materials	3.86%
Consumer Defensive	3.49%
Energy	3.25%
Utility	1.26%

Asset Allocation

Asset Class	Value
Cash	4.96%
Equity	95.03%
Debt	0.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF US Flexible Equity I2 Investment Fund \| -	96%	₹1,233 Cr	1,784,131
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	4%	₹48 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹1 Cr

4. Invesco India Feeder- Invesco Global Equity Income Fund

(Erstwhile Invesco India Global Equity Income Fund)

To provide capital appreciation and/or income by investing predominantly in units of Invesco Global Equity Income Fund, an overseas equity fund which invests primarily in equities of companies worldwide. The Scheme may, at the discretion of Fund Manager, also invest in units of other similar Overseas Mutual Funds with similar objectives, strategy and attributes which may constitute a significant portion of its net assets.

Research Highlights for Invesco India Feeder- Invesco Global Equity Income Fund

Bottom quartile AUM (₹329 Cr).
Established history (12+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 16.68% (bottom quartile).
3Y return: 25.02% (bottom quartile).
1Y return: 26.18% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.64 (bottom quartile).
Information ratio: 0.00 (lower mid).
Top sector: Industrials.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~83%).
Largest holding Invesco Global Equity Income C USD Acc (~86.4%).
Top-3 holdings concentration ~104.8%.

Below is the key information for Invesco India Feeder- Invesco Global Equity Income Fund

Invesco India Feeder- Invesco Global Equity Income Fund Growth
Launch Date	5 May 14
NAV (05 Nov 26)	₹39.3239 ↑ 0.71 (1.83 %)
Net Assets (Cr)	₹329 on 30 Sep 26
Category	Equity - Global
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	1.33
Sharpe Ratio	0.64
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 Oct 21	₹10,000
31 Oct 22	₹8,691
31 Oct 23	₹10,683
31 Oct 24	₹14,327
31 Oct 25	₹17,376
31 Oct 26	₹20,714

Invesco India Feeder- Invesco Global Equity Income Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 Invest Now

Returns for Invesco India Feeder- Invesco Global Equity Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Nov 26

Duration	Returns
1 Month	6.9%
3 Month	-0.1%
6 Month	8.2%
1 Year	26.2%
3 Year	25%
5 Year	16.7%
10 Year
15 Year
Since launch	11.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	23.8%
2024	13.7%
2023	27%
2022	-2.1%
2021	21%
2020	7.3%
2019	24.7%
2018	-7.5%
2017	13.2%
2016	2.6%

Fund Manager information for Invesco India Feeder- Invesco Global Equity Income Fund

Name	Since	Tenure
Sagar Gandhi	1 Mar 25	1.59 Yr.

Data below for Invesco India Feeder- Invesco Global Equity Income Fund as on 30 Sep 26

Equity Sector Allocation

Sector	Value
Industrials	19.81%
Financial Services	19.74%
Technology	12.97%
Consumer Cyclical	8.08%
Health Care	6.68%
Basic Materials	5.54%
Consumer Defensive	5.04%
Energy	1.91%
Real Estate	1.48%
Communication Services	1.45%

Asset Allocation

Asset Class	Value
Cash	12.91%
Equity	82.69%
Other	4.4%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Invesco Global Equity Income C USD Acc Investment Fund \| -	86%	₹285 Cr	157,432
Triparty Repo CBLO/Reverse Repo \| -	16%	₹53 Cr
Net Receivables / (Payables) Net Current Assets \| -	2%	-₹8 Cr

5. SBI Healthcare Opportunities Fund

(Erstwhile SBI Pharma Fund)

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

Research Highlights for SBI Healthcare Opportunities Fund

Highest AUM (₹5,870 Cr).
Oldest track record among peers (21 yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 18.48% (upper mid).
3Y return: 24.25% (bottom quartile).
1Y return: 19.79% (bottom quartile).
Alpha: 3.63 (upper mid).
Sharpe: 0.95 (lower mid).
Information ratio: 0.10 (top quartile).
Higher exposure to Health Care vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding Sun Pharmaceuticals Industries Ltd (~11.1%).

Below is the key information for SBI Healthcare Opportunities Fund

SBI Healthcare Opportunities Fund Growth
Launch Date	31 Dec 04
NAV (06 Nov 26)	₹524.306 ↑ 1.74 (0.33 %)
Net Assets (Cr)	₹5,870 on 30 Sep 26
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.93
Sharpe Ratio	0.95
Information Ratio	0.1
Alpha Ratio	3.63
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-15 Days (0.5%),15 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,166
31 Oct 23	₹12,129
31 Oct 24	₹19,105
31 Oct 25	₹19,589
31 Oct 26	₹22,856

SBI Healthcare Opportunities 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 SBI Healthcare Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Nov 26

Duration	Returns
1 Month	4.9%
3 Month	1.1%
6 Month	16.8%
1 Year	19.8%
3 Year	24.2%
5 Year	18.5%
10 Year
15 Year
Since launch	15.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	-3.5%
2024	42.2%
2023	38.2%
2022	-6%
2021	20.1%
2020	65.8%
2019	-0.5%
2018	-9.9%
2017	2.1%
2016	-14%

Fund Manager information for SBI Healthcare Opportunities Fund

Name	Since	Tenure
Tanmaya Desai	1 Jun 11	15.35 Yr.

Data below for SBI Healthcare Opportunities Fund as on 30 Sep 26

Equity Sector Allocation

Sector	Value
Health Care	88.34%
Basic Materials	7.2%

Asset Allocation

Asset Class	Value
Cash	4.47%
Equity	95.53%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 31 Dec 17 \| SUNPHARMA	11%	₹654 Cr	3,600,000
Divi's Laboratories Ltd (Healthcare) Equity, Since 31 Mar 12 \| DIVISLAB	8%	₹465 Cr	500,000
Acutaas Chemicals Ltd (Basic Materials) Equity, Since 30 Jun 24 \| 543349	5%	₹295 Cr	900,000
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 31 Jan 26 \| APOLLOHOSP	4%	₹261 Cr	320,000
Torrent Pharmaceuticals Ltd (Healthcare) Equity, Since 30 Jun 21 \| TORNTPHARM	4%	₹259 Cr	540,000
Cipla Ltd (Healthcare) Equity, Since 31 May 26 \| 500087	4%	₹258 Cr	1,920,000
Laurus Labs Ltd (Healthcare) Equity, Since 31 Aug 23 \| 540222	4%	₹238 Cr	1,200,000
Max Healthcare Institute Ltd Ordinary Shares (Healthcare) Equity, Since 31 Mar 21 \| MAXHEALTH	4%	₹223 Cr	2,400,000
Aurobindo Pharma Ltd (Healthcare) Equity, Since 31 Mar 26 \| AUROPHARMA	3%	₹201 Cr	1,200,000 ↓ -118,192
Aster DM Quality Care Ltd Ordinary Shares (Healthcare) Equity, Since 31 Mar 24 \| ASTERDM	3%	₹188 Cr	2,700,000

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۔