ٹاپ 10 بہترین کارکردگی کا مظاہرہ کرنے والے سیکٹرل میوچل فنڈز 2022

Updated on August 31, 2025 , 126782 views

کی دنیا میںسرمایہ کاری، ایسے سرمایہ کار ہیں جو 'ہائی رسک ہائی ریٹرن' سرمایہ کاری پر پختہ یقین رکھتے ہیں۔ اور ایسے ہائی رسک لینے والوں کے لیے،باہمی چندہ کچھ ہولڈ پر ہے - سیکٹر فنڈز! سیکٹر میوچل فنڈز کسی خاص شعبے میں سرمایہ کاری کرتے ہیں جیسا کہ ان کے سرمایہ کاری کے مقصد سے بیان کیا گیا ہے۔ انفرا، فارما، بینکنگ جیسے کچھ شعبے مسلسل ترقی کر رہے ہیں اور مستقبل کے لیے مثبت نقطہ نظر رکھتے ہیں۔ اگرچہ اس طرح کے میوچل فنڈز آپ کے پیسے کو دوگنا یا پریشان کر سکتے ہیں، لیکن سرمایہ کارخطرے کی بھوک سیکٹر فنڈز میں سرمایہ کاری کر سکتے ہیں۔ اس آرٹیکل میں، آپ کو 2022 میں سرمایہ کاری کے لیے بہترین سیکٹر میوچل فنڈز کے ساتھ سیکٹر فنڈز کے بارے میں کچھ تفصیلی بصیرت ملے گی۔

سیکٹر میوچل فنڈز میں سرمایہ کاری کیوں کی جائے؟

سیکٹر فنڈ میوچل فنڈ کی ایک قسم ہے جو مخصوص سیکٹرز کی سیکیورٹیز میں سرمایہ کاری کرتا ہے۔معیشتجیسا کہ بینکنگ، ٹیلی کام، FMCG، فارماسیوٹیکل، انفارمیشن ٹیکنالوجی (IT) اور انفراسٹرکچر۔ دوسرے الفاظ میں، سیکٹر فنڈز آپ کی سرمایہ کاری کی دولت کو صرف مخصوص صنعت یا شعبے تک محدود کرتے ہیں۔ مثال کے طور پر، ایک بینکنگ سیکٹر فنڈ بینکوں میں سرمایہ کاری کرسکتا ہے اور فارما فنڈ صرف فارما کمپنیوں کے اسٹاک میں سرمایہ کاری کرسکتا ہے۔ ان فنڈز کے فنڈ مینیجر ان کمپنیوں کے حصص میں پیسہ لگاتے ہیں جو کہ میں اچھی کارکردگی کا مظاہرہ کر رہی ہیں۔مارکیٹ. اس طرح کی سرمایہ کاری کا مجموعی مقصد ان شعبوں میں سرمایہ کاری کرنا ہے جن میں مستقبل قریب میں ترقی کی اعلیٰ صلاحیت ہے۔

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اگر سرمایہ کاری کا وقت درست ہو تو یہ فنڈ واقعی بہت زیادہ منافع کما سکتے ہیں۔ کسی کو معلوم ہونا چاہیے کہ فنڈ میں کب داخل ہونا اور باہر نکلنا ہے۔ سرمایہ کاروں کو مارکیٹ کے ان علاقوں میں سرمایہ کاری کرنی چاہیے جہاں وہ پراعتماد ہوں یا مستقبل میں ترقی دیکھ سکیں۔ مرکزی خیال کسی خاص صنعت اور شعبے کی ترقی پر ٹیپ ان کرنا ہے۔ سیکٹر فنڈز کا دوسرا فائدہ یہ ہے کہ آپ کو انفرادی فرم کے مخصوص خطرے سے بچانے کی صلاحیت ہے۔ انفرادی اسٹاک خریدنے کے بجائے، سیکٹر فنڈز میں سرمایہ کاری اس بات کو یقینی بنائے گی کہ کمپنی کی خراب کارکردگی آپ کے پورٹ فولیو کو متاثر نہیں کرے گی۔

لیکن، اس سے پہلے کہ آپ کسی سیکٹر میوچل فنڈ میں سرمایہ کاری کریں، آپ کو اس بات پر اعتماد ہونا چاہیے کہ آپ کیوں سمجھتے ہیں کہ مستقبل قریب میں اس شعبے کی اچھی کارکردگی کا امکان ہے۔

مالی سال 22 - 23 میں سرمایہ کاری کے لیے سرفہرست اور بہترین شعبے کے میوچل فنڈز

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Sundaram Rural and Consumption Fund Growth	₹99.4389 ↑ 0.08	₹1,576	3.8	15.5	-1.2	16.2	19.2	20.1
Franklin Build India Fund Growth	₹139.604 ↑ 0.29	₹2,950	0.7	18.4	-4.4	27	31.3	27.8
DSP Natural Resources and New Energy Fund Growth	₹88.607 ↑ 1.27	₹1,310	0.9	13.4	-8.5	19.4	24	13.9
Bandhan Infrastructure Fund Growth	₹49.419 ↑ 0.31	₹1,676	-2.1	21.2	-10.9	26.1	32	39.3
Aditya Birla Sun Life Banking And Financial Services Fund Growth	₹58.38 ↓ -0.33	₹3,497	-3.1	12.4	2.6	14.1	19.3	8.7
Kotak Infrastructure & Economic Reform Fund Growth	₹64.407 ↑ 0.06	₹2,388	-1.3	23.1	-8.4	21	29.3	32.4
SBI Magnum COMMA Fund Growth	₹103.602 ↑ 0.83	₹708	1.9	19.1	-4.2	14.9	20	10.5
SBI Consumption Opportunities Fund Growth	₹315.162 ↑ 1.30	₹3,135	3.8	14	-6.9	16	24.2	22.8
Mirae Asset Great Consumer Fund Growth	₹96.205 ↓ 0.00	₹4,403	6.7	21.4	-2.4	17.7	21.5	17.2
Nippon India Power and Infra Fund Growth	₹340.911 ↑ 2.23	₹7,377	-0.8	20	-7.7	27.4	29.7	26.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 25

Research Highlights & Commentary of 10 Funds showcased

Commentary	Sundaram Rural and Consumption Fund	Franklin Build India Fund	DSP Natural Resources and New Energy Fund	Bandhan Infrastructure Fund	Aditya Birla Sun Life Banking And Financial Services Fund	Kotak Infrastructure & Economic Reform Fund	SBI Magnum COMMA Fund	SBI Consumption Opportunities Fund	Mirae Asset Great Consumer Fund	Nippon India Power and Infra Fund
Point 1	Bottom quartile AUM (₹1,576 Cr).	Upper mid AUM (₹2,950 Cr).	Bottom quartile AUM (₹1,310 Cr).	Lower mid AUM (₹1,676 Cr).	Upper mid AUM (₹3,497 Cr).	Lower mid AUM (₹2,388 Cr).	Bottom quartile AUM (₹708 Cr).	Upper mid AUM (₹3,135 Cr).	Top quartile AUM (₹4,403 Cr).	Highest AUM (₹7,377 Cr).
Point 2	Established history (19+ yrs).	Established history (16+ yrs).	Established history (17+ yrs).	Established history (14+ yrs).	Established history (11+ yrs).	Established history (17+ yrs).	Established history (20+ yrs).	Established history (12+ yrs).	Established history (14+ yrs).	Oldest track record among peers (21 yrs).
Point 3	Top rated.	Rating: 5★ (top quartile).	Rating: 5★ (upper mid).	Rating: 5★ (upper mid).	Rating: 5★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 19.16% (bottom quartile).	5Y return: 31.31% (top quartile).	5Y return: 24.04% (lower mid).	5Y return: 31.96% (top quartile).	5Y return: 19.34% (bottom quartile).	5Y return: 29.28% (upper mid).	5Y return: 19.96% (bottom quartile).	5Y return: 24.23% (upper mid).	5Y return: 21.49% (lower mid).	5Y return: 29.68% (upper mid).
Point 6	3Y return: 16.23% (lower mid).	3Y return: 26.97% (top quartile).	3Y return: 19.40% (upper mid).	3Y return: 26.12% (upper mid).	3Y return: 14.11% (bottom quartile).	3Y return: 21.04% (upper mid).	3Y return: 14.94% (bottom quartile).	3Y return: 16.01% (bottom quartile).	3Y return: 17.68% (lower mid).	3Y return: 27.43% (top quartile).
Point 7	1Y return: -1.16% (top quartile).	1Y return: -4.44% (upper mid).	1Y return: -8.50% (bottom quartile).	1Y return: -10.87% (bottom quartile).	1Y return: 2.60% (top quartile).	1Y return: -8.42% (bottom quartile).	1Y return: -4.17% (upper mid).	1Y return: -6.89% (lower mid).	1Y return: -2.40% (upper mid).	1Y return: -7.66% (lower mid).
Point 8	Alpha: -0.72 (upper mid).	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (upper mid).	Alpha: -8.11 (bottom quartile).	Alpha: -3.87 (lower mid).	Alpha: 4.11 (top quartile).	Alpha: -8.17 (bottom quartile).	Alpha: -3.64 (lower mid).	Alpha: -4.86 (bottom quartile).
Point 9	Sharpe: -0.27 (top quartile).	Sharpe: -0.51 (upper mid).	Sharpe: -0.82 (bottom quartile).	Sharpe: -0.69 (bottom quartile).	Sharpe: 0.09 (top quartile).	Sharpe: -0.54 (lower mid).	Sharpe: -0.40 (upper mid).	Sharpe: -0.69 (bottom quartile).	Sharpe: -0.42 (upper mid).	Sharpe: -0.65 (lower mid).
Point 10	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.19 (upper mid).	Information ratio: 0.05 (upper mid).	Information ratio: -0.04 (bottom quartile).	Information ratio: -0.01 (bottom quartile).	Information ratio: 0.20 (top quartile).	Information ratio: 1.02 (top quartile).

Sundaram Rural and Consumption Fund

Bottom quartile AUM (₹1,576 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 19.16% (bottom quartile).
3Y return: 16.23% (lower mid).
1Y return: -1.16% (top quartile).
Alpha: -0.72 (upper mid).
Sharpe: -0.27 (top quartile).
Information ratio: 0.00 (upper mid).

Franklin Build India Fund

Upper mid AUM (₹2,950 Cr).
Established history (16+ yrs).
Rating: 5★ (top quartile).
Risk profile: High.
5Y return: 31.31% (top quartile).
3Y return: 26.97% (top quartile).
1Y return: -4.44% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: -0.51 (upper mid).
Information ratio: 0.00 (lower mid).

DSP Natural Resources and New Energy Fund

Bottom quartile AUM (₹1,310 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 24.04% (lower mid).
3Y return: 19.40% (upper mid).
1Y return: -8.50% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.82 (bottom quartile).
Information ratio: 0.00 (lower mid).

Bandhan Infrastructure Fund

Lower mid AUM (₹1,676 Cr).
Established history (14+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 31.96% (top quartile).
3Y return: 26.12% (upper mid).
1Y return: -10.87% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.69 (bottom quartile).
Information ratio: 0.00 (bottom quartile).

Aditya Birla Sun Life Banking And Financial Services Fund

Upper mid AUM (₹3,497 Cr).
Established history (11+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 19.34% (bottom quartile).
3Y return: 14.11% (bottom quartile).
1Y return: 2.60% (top quartile).
Alpha: -8.11 (bottom quartile).
Sharpe: 0.09 (top quartile).
Information ratio: 0.19 (upper mid).

Kotak Infrastructure & Economic Reform Fund

Lower mid AUM (₹2,388 Cr).
Established history (17+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 29.28% (upper mid).
3Y return: 21.04% (upper mid).
1Y return: -8.42% (bottom quartile).
Alpha: -3.87 (lower mid).
Sharpe: -0.54 (lower mid).
Information ratio: 0.05 (upper mid).

SBI Magnum COMMA Fund

Bottom quartile AUM (₹708 Cr).
Established history (20+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 19.96% (bottom quartile).
3Y return: 14.94% (bottom quartile).
1Y return: -4.17% (upper mid).
Alpha: 4.11 (top quartile).
Sharpe: -0.40 (upper mid).
Information ratio: -0.04 (bottom quartile).

SBI Consumption Opportunities Fund

Upper mid AUM (₹3,135 Cr).
Established history (12+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: High.
5Y return: 24.23% (upper mid).
3Y return: 16.01% (bottom quartile).
1Y return: -6.89% (lower mid).
Alpha: -8.17 (bottom quartile).
Sharpe: -0.69 (bottom quartile).
Information ratio: -0.01 (bottom quartile).

Mirae Asset Great Consumer Fund

Top quartile AUM (₹4,403 Cr).
Established history (14+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: High.
5Y return: 21.49% (lower mid).
3Y return: 17.68% (lower mid).
1Y return: -2.40% (upper mid).
Alpha: -3.64 (lower mid).
Sharpe: -0.42 (upper mid).
Information ratio: 0.20 (top quartile).

Nippon India Power and Infra Fund

Highest AUM (₹7,377 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (bottom quartile).
Risk profile: High.
5Y return: 29.68% (upper mid).
3Y return: 27.43% (top quartile).
1Y return: -7.66% (lower mid).
Alpha: -4.86 (bottom quartile).
Sharpe: -0.65 (lower mid).
Information ratio: 1.02 (top quartile).

*اے یو ایم/نیٹ اثاثوں کے حامل بہترین سیکٹری میوچل فنڈز کی فہرست >100 کروڑ.

1. Sundaram Rural and Consumption Fund

(Erstwhile Sundaram Rural India Fund)

The primary investment objective of the scheme is to generate consistent long-term returns by investing predominantly in equity & equity related instruments of companies that are focusing on Rural India.

Research Highlights for Sundaram Rural and Consumption Fund

Bottom quartile AUM (₹1,576 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 19.16% (bottom quartile).
3Y return: 16.23% (lower mid).
1Y return: -1.16% (top quartile).
Alpha: -0.72 (upper mid).
Sharpe: -0.27 (top quartile).
Information ratio: 0.00 (upper mid).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding Bharti Airtel Ltd (~9.6%).

Below is the key information for Sundaram Rural and Consumption Fund

Sundaram Rural and Consumption Fund Growth
Launch Date	12 May 06
NAV (02 Sep 25)	₹99.4389 ↑ 0.08 (0.08 %)
Net Assets (Cr)	₹1,576 on 31 Jul 25
Category	Equity - Sectoral
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	2.23
Sharpe Ratio	-0.27
Information Ratio	0
Alpha Ratio	-0.72
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹13,919
31 Aug 22	₹15,651
31 Aug 23	₹17,889
31 Aug 24	₹24,595
31 Aug 25	₹24,259

Sundaram Rural and Consumption 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 Sundaram Rural and Consumption Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

Duration	Returns
1 Month	2.9%
3 Month	3.8%
6 Month	15.5%
1 Year	-1.2%
3 Year	16.2%
5 Year	19.2%
10 Year
15 Year
Since launch	12.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	20.1%
2023	30.2%
2022	9.3%
2021	19.3%
2020	13.5%
2019	2.7%
2018	-7.8%
2017	38.7%
2016	21.1%
2015	6.3%

Fund Manager information for Sundaram Rural and Consumption Fund

Name	Since	Tenure
Ratish Varier	1 Jan 22	3.67 Yr.

Data below for Sundaram Rural and Consumption Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	41.9%
Consumer Defensive	30.76%
Communication Services	11.5%
Health Care	3.76%
Financial Services	3.07%
Real Estate	2.05%
Basic Materials	1.46%

Asset Allocation

Asset Class	Value
Cash	5.49%
Equity	94.51%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 22 \| BHARTIARTL	10%	₹151 Cr	789,519
ITC Ltd (Consumer Defensive) Equity, Since 31 Jul 13 \| ITC	8%	₹127 Cr	3,085,016 ↑ 93,765
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Apr 22 \| M&M	8%	₹125 Cr	390,720
Hindustan Unilever Ltd (Consumer Defensive) Equity, Since 30 Apr 16 \| HINDUNILVR	7%	₹111 Cr	440,212
Eternal Ltd (Consumer Cyclical) Equity, Since 31 May 24 \| 543320	6%	₹89 Cr	2,892,836 ↓ -108,126
Titan Co Ltd (Consumer Cyclical) Equity, Since 29 Feb 20 \| TITAN	5%	₹71 Cr	212,692
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Jul 12 \| MARUTI	4%	₹64 Cr	50,511 ↓ -8,000
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 31 Jul 22 \| APOLLOHOSP	4%	₹59 Cr	79,027
Kalyan Jewellers India Ltd (Consumer Cyclical) Equity, Since 31 Mar 21 \| KALYANKJIL	3%	₹50 Cr	837,090
Bajaj Holdings and Investment Ltd (Financial Services) Equity, Since 30 Sep 23 \| BAJAJHLDNG	3%	₹48 Cr	34,697

2. Franklin Build India Fund

The Scheme seeks to achieve capital appreciation by investing in companies engaged directly or indirectly in infrastructure related activities.

Research Highlights for Franklin Build India Fund

Upper mid AUM (₹2,950 Cr).
Established history (16+ yrs).
Rating: 5★ (top quartile).
Risk profile: High.
5Y return: 31.31% (top quartile).
3Y return: 26.97% (top quartile).
1Y return: -4.44% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: -0.51 (upper mid).
Information ratio: 0.00 (lower mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Larsen & Toubro Ltd (~8.2%).

Below is the key information for Franklin Build India Fund

Franklin Build India Fund Growth
Launch Date	4 Sep 09
NAV (02 Sep 25)	₹139.604 ↑ 0.29 (0.21 %)
Net Assets (Cr)	₹2,950 on 31 Jul 25
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	2.01
Sharpe Ratio	-0.51
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 Aug 20	₹10,000
31 Aug 21	₹17,164
31 Aug 22	₹19,308
31 Aug 23	₹25,108
31 Aug 24	₹41,493
31 Aug 25	₹38,961

Franklin Build India Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹657,502.
Net Profit of ₹357,502 Invest Now

Returns for Franklin Build India Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

Duration	Returns
1 Month	-0.4%
3 Month	0.7%
6 Month	18.4%
1 Year	-4.4%
3 Year	27%
5 Year	31.3%
10 Year
15 Year
Since launch	17.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	27.8%
2023	51.1%
2022	11.2%
2021	45.9%
2020	5.4%
2019	6%
2018	-10.7%
2017	43.3%
2016	8.4%
2015	2.1%

Fund Manager information for Franklin Build India Fund

Name	Since	Tenure
Ajay Argal	18 Oct 21	3.87 Yr.
Kiran Sebastian	7 Feb 22	3.57 Yr.
Sandeep Manam	18 Oct 21	3.87 Yr.

Data below for Franklin Build India Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Industrials	35.65%
Utility	13.57%
Energy	12.61%
Financial Services	11.6%
Communication Services	7.94%
Basic Materials	5.39%
Real Estate	3.3%
Consumer Cyclical	3.01%
Technology	2.56%

Asset Allocation

Asset Class	Value
Cash	4.35%
Equity	95.65%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 29 Feb 20 \| LT	8%	₹242 Cr	665,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 12 \| ICICIBANK	6%	₹178 Cr	1,200,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 29 Feb 20 \| INDIGO	6%	₹177 Cr	300,000
Reliance Industries Ltd (Energy) Equity, Since 31 Oct 21 \| RELIANCE	6%	₹167 Cr	1,200,000
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 30 Jun 19 \| 500312	5%	₹154 Cr	6,400,000 ↑ 400,000
NTPC Ltd (Utilities) Equity, Since 30 Nov 16 \| 532555	5%	₹138 Cr	4,125,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 09 \| BHARTIARTL	5%	₹136 Cr	710,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 12 \| 532215	4%	₹107 Cr	1,000,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 28 Feb 21 \| 532898	4%	₹105 Cr	3,600,000
Sobha Ltd (Real Estate) Equity, Since 31 Aug 17 \| SOBHA	3%	₹88 Cr	547,553

3. DSP Natural Resources and New Energy Fund

To seek to generate capital appreciation and provide long term growth opportunities by investing in equity and equity related securities of companies domiciled in India whose predominant economic activity is in the (a) discovery, development, production, or distribution of natural resources, viz., energy, mining etc; (b) alternative energy and energy technology sectors, with emphasis given to renewable energy, automotive and on-site power generation, energy storage and enabling energy technologies. also invest a certain portion of its corpus in the equity and equity related securities of companies domiciled overseas, which are principally engaged in the discovery, development, production or distribution of natural resources and alternative energy and/or the units shares of Merrill Lynch international Investment Funds New Energy Fund, Merrill Lynch International Investment Funds World Energy Fund and similar other overseas mutual fund schemes.

Research Highlights for DSP Natural Resources and New Energy Fund

Bottom quartile AUM (₹1,310 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 24.04% (lower mid).
3Y return: 19.40% (upper mid).
1Y return: -8.50% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.82 (bottom quartile).
Information ratio: 0.00 (lower mid).
Higher exposure to Energy vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding Oil & Natural Gas Corp Ltd (~8.2%).

Below is the key information for DSP Natural Resources and New Energy Fund

DSP Natural Resources and New Energy Fund Growth
Launch Date	25 Apr 08
NAV (01 Sep 25)	₹88.607 ↑ 1.27 (1.45 %)
Net Assets (Cr)	₹1,310 on 31 Jul 25
Category	Equity - Sectoral
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.99
Sharpe Ratio	-0.82
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 Aug 20	₹10,000
31 Aug 21	₹17,515
31 Aug 22	₹17,667
31 Aug 23	₹20,921
31 Aug 24	₹32,345
31 Aug 25	₹29,171

DSP Natural Resources and New Energy Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 Invest Now

Returns for DSP Natural Resources and New Energy Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

Duration	Returns
1 Month	1.7%
3 Month	0.9%
6 Month	13.4%
1 Year	-8.5%
3 Year	19.4%
5 Year	24%
10 Year
15 Year
Since launch	13.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	13.9%
2023	31.2%
2022	9.8%
2021	42.8%
2020	11.5%
2019	4.4%
2018	-15.3%
2017	43.1%
2016	43.1%
2015	-1.7%

Fund Manager information for DSP Natural Resources and New Energy Fund

Name	Since	Tenure
Rohit Singhania	1 Jul 12	13.18 Yr.

Data below for DSP Natural Resources and New Energy Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Energy	45.08%
Basic Materials	35.32%
Utility	9.7%
Industrials	2.08%
Technology	1.97%

Asset Allocation

Asset Class	Value
Cash	5.84%
Equity	94.16%
Debt	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 31 May 20 \| 500312	8%	₹107 Cr	4,459,369
Jindal Steel Ltd (Basic Materials) Equity, Since 31 Mar 20 \| 532286	8%	₹105 Cr	1,092,337
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 08 \| 500547	7%	₹88 Cr	2,679,561 ↑ 112,345
Tata Steel Ltd (Basic Materials) Equity, Since 31 Aug 16 \| TATASTEEL	7%	₹86 Cr	5,435,373
Hindalco Industries Ltd (Basic Materials) Equity, Since 31 Oct 15 \| HINDALCO	6%	₹85 Cr	1,243,824
Coal India Ltd (Energy) Equity, Since 31 Mar 22 \| COALINDIA	6%	₹84 Cr	2,245,167
BGF Sustainable Energy I2 Investment Fund \| -	6%	₹82 Cr	443,474
BGF World Energy I2 Investment Fund \| -	6%	₹74 Cr	282,831
NMDC Ltd (Basic Materials) Equity, Since 30 Sep 18 \| 526371	5%	₹68 Cr	9,669,436
Oil India Ltd (Energy) Equity, Since 29 Feb 24 \| OIL	4%	₹54 Cr	1,233,586

4. Bandhan Infrastructure Fund

The investment objective of the scheme is to seek to generate long-term capital growth through an active diversified portfolio of predominantly equity and equity related instruments of companies that are participating in and benefiting from growth in Indian infrastructure and infrastructural related activities. However, there can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for Bandhan Infrastructure Fund

Lower mid AUM (₹1,676 Cr).
Established history (14+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 31.96% (top quartile).
3Y return: 26.12% (upper mid).
1Y return: -10.87% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.69 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Higher exposure to Industrials vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~91%).
Largest holding Kirloskar Brothers Ltd (~5.2%).

Below is the key information for Bandhan Infrastructure Fund

Bandhan Infrastructure Fund Growth
Launch Date	8 Mar 11
NAV (02 Sep 25)	₹49.419 ↑ 0.31 (0.64 %)
Net Assets (Cr)	₹1,676 on 31 Jul 25
Category	Equity - Sectoral
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	2.1
Sharpe Ratio	-0.69
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹19,221
31 Aug 22	₹20,185
31 Aug 23	₹26,032
31 Aug 24	₹45,976
31 Aug 25	₹39,818

Bandhan Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹657,502.
Net Profit of ₹357,502 Invest Now

Returns for Bandhan 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 2 Sep 25

Duration	Returns
1 Month	-0.3%
3 Month	-2.1%
6 Month	21.2%
1 Year	-10.9%
3 Year	26.1%
5 Year	32%
10 Year
15 Year
Since launch	11.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	39.3%
2023	50.3%
2022	1.7%
2021	64.8%
2020	6.3%
2019	-5.3%
2018	-25.9%
2017	58.7%
2016	10.7%
2015	-0.2%

Fund Manager information for Bandhan Infrastructure Fund

Name	Since	Tenure
Vishal Biraia	24 Jan 24	1.6 Yr.
Ritika Behera	7 Oct 23	1.9 Yr.
Gaurav Satra	7 Jun 24	1.24 Yr.

Data below for Bandhan Infrastructure Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Industrials	52.91%
Utility	12.23%
Basic Materials	7.2%
Communication Services	4.75%
Energy	3.76%
Financial Services	3.28%
Health Care	2.19%
Technology	1.74%
Consumer Cyclical	1.38%
Real Estate	1.08%

Asset Allocation

Asset Class	Value
Cash	9.47%
Equity	90.53%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Kirloskar Brothers Ltd (Industrials) Equity, Since 31 Dec 17 \| KIRLOSBROS	5%	₹87 Cr	443,385
Larsen & Toubro Ltd (Industrials) Equity, Since 29 Feb 12 \| LT	4%	₹75 Cr	206,262
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 19 \| BHARTIARTL	4%	₹63 Cr	330,018
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 24 \| RELIANCE	4%	₹63 Cr	452,706
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Mar 14 \| 532538	4%	₹61 Cr	49,772 ↓ -680
GPT Infraprojects Ltd (Industrials) Equity, Since 30 Nov 17 \| GPTINFRA	4%	₹61 Cr	4,733,244 ↓ -49,289
Bharat Electronics Ltd (Industrials) Equity, Since 31 Oct 19 \| BEL	3%	₹55 Cr	1,431,700
PTC India Financial Services Ltd (Financial Services) Equity, Since 31 Dec 23 \| PFS	3%	₹52 Cr	12,400,122
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 Dec 23 \| ADANIPORTS	3%	₹50 Cr	365,137
Ahluwalia Contracts (India) Ltd (Industrials) Equity, Since 30 Apr 15 \| AHLUCONT	3%	₹47 Cr	462,606

5. Aditya Birla Sun Life Banking And Financial Services Fund

The primary investment objective of the Scheme is to generate long-term capital appreciation to unit holders from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes’ objectives will be achieved.

Research Highlights for Aditya Birla Sun Life Banking And Financial Services Fund

Upper mid AUM (₹3,497 Cr).
Established history (11+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 19.34% (bottom quartile).
3Y return: 14.11% (bottom quartile).
1Y return: 2.60% (top quartile).
Alpha: -8.11 (bottom quartile).
Sharpe: 0.09 (top quartile).
Information ratio: 0.19 (upper mid).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding ICICI Bank Ltd (~20.9%).
Top-3 holdings concentration ~46.9%.

Below is the key information for Aditya Birla Sun Life Banking And Financial Services Fund

Aditya Birla Sun Life Banking And Financial Services Fund Growth
Launch Date	14 Dec 13
NAV (02 Sep 25)	₹58.38 ↓ -0.33 (-0.56 %)
Net Assets (Cr)	₹3,497 on 31 Jul 25
Category	Equity - Sectoral
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.99
Sharpe Ratio	0.09
Information Ratio	0.19
Alpha Ratio	-8.11
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹16,336
31 Aug 22	₹16,541
31 Aug 23	₹19,493
31 Aug 24	₹23,702
31 Aug 25	₹24,393

Aditya Birla Sun Life Banking And Financial Services 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 Aditya Birla Sun Life Banking And Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

Duration	Returns
1 Month	-2%
3 Month	-3.1%
6 Month	12.4%
1 Year	2.6%
3 Year	14.1%
5 Year	19.3%
10 Year
15 Year
Since launch	16.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.7%
2023	21.7%
2022	11.5%
2021	16.8%
2020	1.1%
2019	14.9%
2018	-2.4%
2017	47.6%
2016	15.7%
2015	-0.5%

Fund Manager information for Aditya Birla Sun Life Banking And Financial Services Fund

Name	Since	Tenure
Dhaval Gala	26 Aug 15	10.02 Yr.
Dhaval Joshi	21 Nov 22	2.78 Yr.

Data below for Aditya Birla Sun Life Banking And Financial Services Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Financial Services	96.87%
Technology	1.12%

Asset Allocation

Asset Class	Value
Cash	2.01%
Equity	97.99%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| ICICIBANK	21%	₹730 Cr	4,927,929 ↓ -65,200
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| HDFCBANK	19%	₹664 Cr	3,291,748 ↓ -45,200
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| 532215	7%	₹246 Cr	2,302,100
State Bank of India (Financial Services) Equity, Since 31 Oct 17 \| SBIN	6%	₹217 Cr	2,718,689 ↑ 367,197
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Sep 16 \| 500034	5%	₹188 Cr	2,137,250
Cholamandalam Financial Holdings Ltd (Financial Services) Equity, Since 31 Jan 20 \| CHOLAHLDNG	3%	₹118 Cr	623,906 ↓ -44,066
ICICI Lombard General Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 19 \| ICICIGI	3%	₹109 Cr	565,076
HDB Financial Services Ltd (Financial Services) Equity, Since 30 Jun 25 \| HDBFS	3%	₹108 Cr	1,429,781 ↑ 153,301
AU Small Finance Bank Ltd (Financial Services) Equity, Since 30 Nov 23 \| 540611	3%	₹107 Cr	1,446,861
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 19 \| KOTAKBANK	3%	₹93 Cr	469,972

6. Kotak Infrastructure & Economic Reform Fund

The investment objective of the Scheme is to generate long-term capital appreciation from a diversified portfolio of predominantly (at least 65%) equity and equity-related securities of companies involved in economic development of India as a result of potential investments in infrastructure and unfolding economic reforms.

Research Highlights for Kotak Infrastructure & Economic Reform Fund

Lower mid AUM (₹2,388 Cr).
Established history (17+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 29.28% (upper mid).
3Y return: 21.04% (upper mid).
1Y return: -8.42% (bottom quartile).
Alpha: -3.87 (lower mid).
Sharpe: -0.54 (lower mid).
Information ratio: 0.05 (upper mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Bharti Airtel Ltd (~7.4%).

Below is the key information for Kotak Infrastructure & Economic Reform Fund

Kotak Infrastructure & Economic Reform Fund Growth
Launch Date	25 Feb 08
NAV (02 Sep 25)	₹64.407 ↑ 0.06 (0.09 %)
Net Assets (Cr)	₹2,388 on 31 Jul 25
Category	Equity - Sectoral
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	High
Expense Ratio	2.01
Sharpe Ratio	-0.54
Information Ratio	0.05
Alpha Ratio	-3.87
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 Aug 20	₹10,000
31 Aug 21	₹17,231
31 Aug 22	₹20,526
31 Aug 23	₹25,737
31 Aug 24	₹39,858
31 Aug 25	₹35,926

Kotak Infrastructure & Economic Reform 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 Kotak Infrastructure & Economic Reform Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

Duration	Returns
1 Month	0.3%
3 Month	-1.3%
6 Month	23.1%
1 Year	-8.4%
3 Year	21%
5 Year	29.3%
10 Year
15 Year
Since launch	11.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	32.4%
2023	37.3%
2022	15.6%
2021	57.3%
2020	3.4%
2019	3.6%
2018	-19.6%
2017	45.3%
2016	9.2%
2015	-0.2%

Fund Manager information for Kotak Infrastructure & Economic Reform Fund

Name	Since	Tenure
Nalin Bhatt	1 Oct 23	1.92 Yr.

Data below for Kotak Infrastructure & Economic Reform Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Industrials	44.55%
Basic Materials	14.91%
Communication Services	10.97%
Consumer Cyclical	10.29%
Energy	8.35%
Utility	4.88%
Real Estate	2.05%
Financial Services	1.72%
Technology	1.21%

Asset Allocation

Asset Class	Value
Cash	0.97%
Equity	99.03%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 20 \| BHARTIARTL	7%	₹177 Cr	927,000
Reliance Industries Ltd (Energy) Equity, Since 31 Mar 25 \| RELIANCE	5%	₹125 Cr	900,000
Larsen & Toubro Ltd (Industrials) Equity, Since 28 Feb 15 \| LT	5%	₹113 Cr	310,000
Shree Cement Ltd (Basic Materials) Equity, Since 31 Dec 11 \| 500387	5%	₹108 Cr	35,000
Solar Industries India Ltd (Basic Materials) Equity, Since 31 Oct 15 \| SOLARINDS	3%	₹77 Cr	54,000 ↓ -18,000
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Mar 15 \| 532538	3%	₹73 Cr	60,000
Kalpataru Projects International Ltd (Industrials) Equity, Since 31 Aug 17 \| KPIL	3%	₹73 Cr	639,927
Bosch Ltd (Consumer Cyclical) Equity, Since 30 Sep 24 \| 500530	3%	₹71 Cr	17,500
Kajaria Ceramics Ltd (Industrials) Equity, Since 31 Oct 16 \| 500233	3%	₹60 Cr	510,000 ↓ -90,000
VST Tillers Tractors Ltd (Industrials) Equity, Since 30 Apr 24 \| VSTTILLERS	3%	₹60 Cr	130,659

7. SBI Magnum COMMA Fund

To generate opportunities for growth along with possibility of consistent returns by investing predominantly in a portfolio of stocks of companies engaged in the commodity business within the following sectors - Oil & Gas, Metals, Materials & Agriculture and in debt & money market instruments.

Research Highlights for SBI Magnum COMMA Fund

Bottom quartile AUM (₹708 Cr).
Established history (20+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 19.96% (bottom quartile).
3Y return: 14.94% (bottom quartile).
1Y return: -4.17% (upper mid).
Alpha: 4.11 (top quartile).
Sharpe: -0.40 (upper mid).
Information ratio: -0.04 (bottom quartile).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding Tata Steel Ltd (~8.4%).

Below is the key information for SBI Magnum COMMA Fund

SBI Magnum COMMA Fund Growth
Launch Date	8 Aug 05
NAV (02 Sep 25)	₹103.602 ↑ 0.83 (0.81 %)
Net Assets (Cr)	₹708 on 31 Jul 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	High
Expense Ratio	2.58
Sharpe Ratio	-0.4
Information Ratio	-0.04
Alpha Ratio	4.11
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 Aug 20	₹10,000
31 Aug 21	₹17,078
31 Aug 22	₹16,780
31 Aug 23	₹18,204
31 Aug 24	₹26,695
31 Aug 25	₹24,872

SBI Magnum COMMA 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 SBI Magnum COMMA Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

Duration	Returns
1 Month	1.3%
3 Month	1.9%
6 Month	19.1%
1 Year	-4.2%
3 Year	14.9%
5 Year	20%
10 Year
15 Year
Since launch	12.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	10.5%
2023	32.3%
2022	-6.6%
2021	52%
2020	23.9%
2019	11.8%
2018	-18.7%
2017	39.2%
2016	32.3%
2015	-6.1%

Fund Manager information for SBI Magnum COMMA Fund

Name	Since	Tenure
Dinesh Balachandran	1 Jun 24	1.25 Yr.

Data below for SBI Magnum COMMA Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Basic Materials	48.82%
Energy	26.35%
Utility	8.78%
Consumer Defensive	6.56%
Consumer Cyclical	3.39%
Financial Services	2.1%

Asset Allocation

Asset Class	Value
Cash	3.57%
Equity	96.01%
Debt	0.42%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tata Steel Ltd (Basic Materials) Equity, Since 30 Apr 11 \| TATASTEEL	8%	₹60 Cr	3,776,000
Reliance Industries Ltd (Energy) Equity, Since 28 Feb 07 \| RELIANCE	8%	₹59 Cr	424,732
UltraTech Cement Ltd (Basic Materials) Equity, Since 30 Jun 18 \| 532538	6%	₹42 Cr	34,000
CESC Ltd (Utilities) Equity, Since 30 Sep 24 \| CESC	5%	₹35 Cr	2,070,000
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 31 May 20 \| 500312	5%	₹34 Cr	1,400,000
Vedanta Ltd (Basic Materials) Equity, Since 30 Apr 24 \| 500295	4%	₹29 Cr	675,000
Indian Oil Corp Ltd (Energy) Equity, Since 29 Feb 24 \| IOC	4%	₹28 Cr	1,900,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 30 Sep 24 \| 532898	4%	₹27 Cr	930,000
Balrampur Chini Mills Ltd (Consumer Defensive) Equity, Since 31 Jul 24 \| BALRAMCHIN	4%	₹26 Cr	450,000
Nuvoco Vista Corp Ltd (Basic Materials) Equity, Since 30 Sep 24 \| 543334	4%	₹26 Cr	600,000

8. SBI Consumption Opportunities Fund

(Erstwhile SBI FMCG Fund)

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

Research Highlights for SBI Consumption Opportunities Fund

Upper mid AUM (₹3,135 Cr).
Established history (12+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: High.
5Y return: 24.23% (upper mid).
3Y return: 16.01% (bottom quartile).
1Y return: -6.89% (lower mid).
Alpha: -8.17 (bottom quartile).
Sharpe: -0.69 (bottom quartile).
Information ratio: -0.01 (bottom quartile).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
High-quality debt (AAA/AA ~100%).
Largest holding Bharti Airtel Ltd (~6.0%).

Below is the key information for SBI Consumption Opportunities Fund

SBI Consumption Opportunities Fund Growth
Launch Date	2 Jan 13
NAV (02 Sep 25)	₹315.162 ↑ 1.30 (0.42 %)
Net Assets (Cr)	₹3,135 on 31 Jul 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	High
Expense Ratio	2
Sharpe Ratio	-0.69
Information Ratio	-0.01
Alpha Ratio	-8.17
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 Aug 20	₹10,000
31 Aug 21	₹15,401
31 Aug 22	₹19,169
31 Aug 23	₹23,028
31 Aug 24	₹32,448
31 Aug 25	₹29,800

SBI Consumption Opportunities Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 Invest Now

Returns for SBI Consumption 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 2 Sep 25

Duration	Returns
1 Month	2.9%
3 Month	3.8%
6 Month	14%
1 Year	-6.9%
3 Year	16%
5 Year	24.2%
10 Year
15 Year
Since launch	15.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	22.8%
2023	29.9%
2022	13.9%
2021	35.6%
2020	13.9%
2019	0.1%
2018	-2%
2017	53.1%
2016	2.4%
2015	5.3%

Fund Manager information for SBI Consumption Opportunities Fund

Name	Since	Tenure
Pradeep Kesavan	1 Apr 24	1.42 Yr.
Ashit Desai	1 Apr 24	1.42 Yr.

Data below for SBI Consumption Opportunities Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	46.75%
Consumer Defensive	31.14%
Basic Materials	8.13%
Communication Services	6.05%
Industrials	5.67%

Asset Allocation

Asset Class	Value
Cash	1.7%
Equity	98.2%
Debt	0.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 20 \| BHARTIARTL	6%	₹190 Cr	990,000 ↑ 160,000
ITC Ltd (Consumer Defensive) Equity, Since 29 Feb 12 \| ITC	5%	₹163 Cr	3,960,660
Britannia Industries Ltd (Consumer Defensive) Equity, Since 30 Sep 20 \| 500825	4%	₹141 Cr	244,000
Jubilant Foodworks Ltd (Consumer Cyclical) Equity, Since 30 Sep 23 \| JUBLFOOD	4%	₹140 Cr	2,136,850
Ganesha Ecosphere Ltd (Consumer Cyclical) Equity, Since 31 May 18 \| 514167	4%	₹135 Cr	906,423
Berger Paints India Ltd (Basic Materials) Equity, Since 30 Jun 24 \| 509480	4%	₹133 Cr	2,350,172
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 Jul 21 \| M&M	4%	₹127 Cr	395,000
Hindustan Unilever Ltd (Consumer Defensive) Equity, Since 31 May 22 \| HINDUNILVR	4%	₹126 Cr	500,000 ↑ 125,000
Asian Paints Ltd (Basic Materials) Equity, Since 30 Jun 25 \| 500820	4%	₹122 Cr	509,000 ↑ 100,000
United Breweries Ltd (Consumer Defensive) Equity, Since 31 May 21 \| UBL	4%	₹114 Cr	588,029

9. Mirae Asset Great Consumer Fund

The investment objective of the scheme is to generate long term capital appreciation by investing in a portfolio of companies/funds that are likely to benefit either directly or indirectly from consumption led demand in India. The Scheme does not guarantee or assure any returns

Research Highlights for Mirae Asset Great Consumer Fund

Top quartile AUM (₹4,403 Cr).
Established history (14+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: High.
5Y return: 21.49% (lower mid).
3Y return: 17.68% (lower mid).
1Y return: -2.40% (upper mid).
Alpha: -3.64 (lower mid).
Sharpe: -0.42 (upper mid).
Information ratio: 0.20 (top quartile).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding ITC Ltd (~7.2%).

Below is the key information for Mirae Asset Great Consumer Fund

Mirae Asset Great Consumer Fund Growth
Launch Date	29 Mar 11
NAV (02 Sep 25)	₹96.205 ↓ 0.00 (0.00 %)
Net Assets (Cr)	₹4,403 on 31 Jul 25
Category	Equity - Sectoral
AMC	Mirae Asset Global Inv (India) Pvt. Ltd
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.16
Sharpe Ratio	-0.43
Information Ratio	0.2
Alpha Ratio	-3.64
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 Aug 20	₹10,000
31 Aug 21	₹14,987
31 Aug 22	₹16,581
31 Aug 23	₹19,443
31 Aug 24	₹27,752
31 Aug 25	₹26,734

Mirae Asset Great Consumer Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033 Invest Now

Returns for Mirae Asset Great Consumer Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

Duration	Returns
1 Month	4.2%
3 Month	6.7%
6 Month	21.4%
1 Year	-2.4%
3 Year	17.7%
5 Year	21.5%
10 Year
15 Year
Since launch	17%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	17.2%
2023	32.9%
2022	7.2%
2021	33%
2020	11.2%
2019	8.6%
2018	1.9%
2017	51%
2016	2%
2015	3.8%

Fund Manager information for Mirae Asset Great Consumer Fund

Name	Since	Tenure
Siddhant Chhabria	21 Jun 21	4.2 Yr.

Data below for Mirae Asset Great Consumer Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	51.13%
Consumer Defensive	24.63%
Basic Materials	7.03%
Communication Services	7%
Industrials	5.58%
Health Care	2.38%

Asset Allocation

Asset Class	Value
Cash	2.23%
Equity	97.77%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ITC Ltd (Consumer Defensive) Equity, Since 29 Feb 12 \| ITC	7%	₹318 Cr	7,725,000 ↑ 200,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 19 \| BHARTIARTL	7%	₹308 Cr	1,611,265 ↓ -30,000
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 Oct 23 \| M&M	6%	₹282 Cr	880,648
Eternal Ltd (Consumer Cyclical) Equity, Since 29 Feb 24 \| 543320	6%	₹277 Cr	9,000,000 ↓ -700,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Mar 12 \| MARUTI	5%	₹240 Cr	190,000
Trent Ltd (Consumer Cyclical) Equity, Since 31 May 23 \| 500251	4%	₹190 Cr	378,000
Avenue Supermarts Ltd (Consumer Defensive) Equity, Since 31 Mar 23 \| 540376	4%	₹166 Cr	390,000
Varun Beverages Ltd (Consumer Defensive) Equity, Since 31 Oct 24 \| VBL	3%	₹144 Cr	2,746,887
Hindustan Unilever Ltd (Consumer Defensive) Equity, Since 30 Sep 15 \| HINDUNILVR	3%	₹135 Cr	536,972 ↓ -75,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Aug 23 \| INDIGO	3%	₹134 Cr	226,123 ↓ -17,000

10. Nippon India Power and Infra Fund

(Erstwhile Reliance Diversified Power Sector Fund)

The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies in the power sector.

Research Highlights for Nippon India Power and Infra Fund

Highest AUM (₹7,377 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (bottom quartile).
Risk profile: High.
5Y return: 29.68% (upper mid).
3Y return: 27.43% (top quartile).
1Y return: -7.66% (lower mid).
Alpha: -4.86 (bottom quartile).
Sharpe: -0.65 (lower mid).
Information ratio: 1.02 (top quartile).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Reliance Industries Ltd (~8.1%).

Below is the key information for Nippon India Power and Infra Fund

Nippon India Power and Infra Fund Growth
Launch Date	8 May 04
NAV (02 Sep 25)	₹340.911 ↑ 2.23 (0.66 %)
Net Assets (Cr)	₹7,377 on 31 Jul 25
Category	Equity - Sectoral
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.85
Sharpe Ratio	-0.65
Information Ratio	1.02
Alpha Ratio	-4.86
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹16,203
31 Aug 22	₹17,964
31 Aug 23	₹24,415
31 Aug 24	₹40,684
31 Aug 25	₹36,526

Nippon India Power and Infra 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 Nippon India Power and Infra Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

Duration	Returns
1 Month	0.7%
3 Month	-0.8%
6 Month	20%
1 Year	-7.7%
3 Year	27.4%
5 Year	29.7%
10 Year
15 Year
Since launch	18%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	26.9%
2023	58%
2022	10.9%
2021	48.9%
2020	10.8%
2019	-2.9%
2018	-21.1%
2017	61.7%
2016	0.1%
2015	0.3%

Fund Manager information for Nippon India Power and Infra Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	7.28 Yr.
Rahul Modi	19 Aug 24	1.04 Yr.

Data below for Nippon India Power and Infra Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Industrials	36.81%
Utility	23.31%
Energy	9.39%
Basic Materials	7.62%
Communication Services	6.62%
Consumer Cyclical	5.95%
Real Estate	2.85%
Financial Services	2.21%
Health Care	2.13%
Technology	1.83%

Asset Allocation

Asset Class	Value
Cash	1.28%
Equity	98.72%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 18 \| RELIANCE	8%	₹594 Cr	4,275,000 ↑ 75,000
NTPC Ltd (Utilities) Equity, Since 31 May 09 \| 532555	8%	₹558 Cr	16,699,999
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 18 \| BHARTIARTL	7%	₹488 Cr	2,550,000 ↓ -50,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 07 \| LT	6%	₹442 Cr	1,214,337 ↓ -100,000
Tata Power Co Ltd (Utilities) Equity, Since 30 Apr 23 \| 500400	4%	₹314 Cr	7,900,789
CG Power & Industrial Solutions Ltd (Industrials) Equity, Since 30 Sep 24 \| 500093	3%	₹239 Cr	3,617,014 ↑ 509,091
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Oct 19 \| 532538	3%	₹214 Cr	175,000
Bharat Heavy Electricals Ltd (Industrials) Equity, Since 30 Sep 24 \| 500103	3%	₹208 Cr	8,713,730
Kaynes Technology India Ltd (Industrials) Equity, Since 30 Nov 22 \| KAYNES	3%	₹208 Cr	336,227
Carborundum Universal Ltd (Industrials) Equity, Since 30 Sep 23 \| CARBORUNIV	2%	₹168 Cr	1,800,000

بہترین سیکٹر میوچل فنڈز میں سرمایہ کاری کرتے وقت غور کرنے کے لیے اسمارٹ ٹپس

سیکٹر فنڈز میں سرمایہ کاری کرنے سے پہلے آپ کو کچھ چیزیں جاننے کی ضرورت ہے:

1. میوچل فنڈ کا مقصد

کسی کو ہمیشہ میوچل فنڈ اسکیم کے مقصد کو مناسب طریقے سے سمجھنا چاہیے۔ مثال کے طور پر، کچھ سیکٹر میوچل فنڈز بیان کردہ سیکٹر میں پورٹ فولیو کا صرف 65 فیصد تک سرمایہ کاری کرتے ہیں۔ یہ کسی شعبے میں آپ کی نمائش کو کم کر سکتا ہے اور آپ کی توقع کے مطابق پیداوار فراہم نہیں کرے گا۔

2. مارکیٹ کا ٹائمنگ

جیسا کہ وہ کہتے ہیں، اسٹاک مارکیٹ میں دولت بڑھانے کے لیے، "مارکیٹ میں وقت مارکیٹ کے وقت سے زیادہ اہم ہے۔" لیکن، جب سیکٹر میوچل فنڈز میں پیسہ کمانے کی بات آتی ہے، تو کسی کو مارکیٹ کو وقت کے ساتھ سیکھنے کی ضرورت ہوتی ہے، خاص طور پر، سیمنٹ جیسے چکراتی شعبوں میں،بینک، اسٹیل، وغیرہ۔ مثال کے طور پر، جب شرح سود کم ہوتی ہے یا ان کے گرنے کی توقع ہوتی ہے تو بینکنگ اسٹاک اچھی کارکردگی دکھاتے ہیں۔ اور وہکم کارکردگی دکھانا جب شرح سود بڑھ رہی ہے۔ لہذا، بینکنگ فنڈ میں اچھا منافع حاصل کرنے کے لیے، کسی کو شرح سود کے چکر کے صحیح موڑ پر آنے کی ضرورت ہے۔

مثالی طور پر، ایکسرمایہ کار لینا چاہئےگھونٹ اس طرح کے فنڈز کو ایکسپوز کرنے کا راستہ، لیکن جب سیکٹر کے بنیادی اصول ختم یا ڈوبنے لگیں تو کسی کو SIPs اور سیکٹر میوچل فنڈز میں ایگزٹ پوزیشن کو بند کرنا چاہیے۔

کے برعکسمتنوع فنڈز, سیکٹر میوچل فنڈز کم متنوع ہیں، اس طرح خطرے کی نمائش نسبتاً زیادہ ہے۔ سیکٹر فنڈز کا نقصان اتار چڑھاؤ کی بلند شرح ہے۔ یہ اس کی سرمایہ کاری کی نوعیت کی وجہ سے ہے۔ ایک سرمایہ کار اس وقت ضرورت سے زیادہ منافع حاصل کرے گا جب مارکیٹ اوپر کی سمت بڑھ رہی ہو اور جب اس مخصوص شعبے کی مارکیٹ خراب ہو رہی ہو تو اسے زبردست نقصان پہنچے گا۔

3. جانیں کہ کب باہر نکلنا ہے۔

متنوع میوچل فنڈز کے مقابلے میں، ایک سیکٹر میوچل فنڈ کو زیادہ دیر تک پورٹ فولیو میں نہیں رکھا جانا چاہیے۔ مثالی طور پر، جب کسی شعبے کی اچھی کارکردگی کی توقع کی جاتی ہے، تو ایسے فنڈ کو خریدنا چاہیے اور جب اس کے حق میں جانا شروع ہو جائے تو فنڈ سے نکل جانا چاہیے۔ چونکہ یہ فنڈز زیادہ تر چکراتی ہیں، ان کی مدت عام طور پر 3-5 سال ہوتی ہے۔ اس طرح، سرمایہ کاروں کو یہ جاننے کے لیے کچھ اچھا وقت گزارنا چاہیے کہ اس طرح کے فنڈز سے کب نکلنا ہے۔

4. محدود نمائش

سیکٹر فنڈز میں سرمایہ کاری کرنے والے سرمایہ کاروں کو یہ سمجھنا چاہیے کہ فنڈ مینیجر اپنے سرمایہ کاری کے اختیارات میں محدود ہے اور اسے کسی خاص شعبے میں سرمایہ کاری جاری رکھنی ہوگی چاہے وہ شعبہ مارکیٹ میں اچھی کارکردگی کا مظاہرہ نہ کر رہا ہو۔ جبکہ، ایکویٹی ڈائیورسیفائیڈ فنڈز میں، ایک فنڈ مینیجر ایسی کسی پابندی کا پابند نہیں ہے۔

بہترین سیکٹر میوچل فنڈز میں کیسے سرمایہ کاری کی جائے؟

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شروع کرنے کے

نتیجہ

سیکٹر فنڈز آپ کے پورٹ فولیو کو مرتکز خطرے سے دوچار کرتے ہیں، درحقیقت، اس سے آپ کو بہت بڑا نقصان ہو سکتا ہے، اگر آپ اپنے آپ کو کاروباری چکروں کے قریب نہیں رکھتے ہیں۔ دوسری طرف، اگر آپ سیکٹر کے بنیادی اصولوں سے بخوبی واقف ہیں اور اس طرح کے فنڈز کے ساتھ جڑے اتار چڑھاؤ کا اندازہ لگانے کی صلاحیت رکھتے ہیں، تو آپ اچھا منافع کما سکتے ہیں۔ تاہم، سیکٹر فنڈز میں سرمایہ کاری کرتے وقت ہمیشہ بہت محتاط رہیں اور صرف ایک محدود حصہ کی سرمایہ کاری کریں۔سرمایہ!

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۔