ہندوستان میں بہترین کارکردگی کا مظاہرہ کرنے والے SIP پلان 2022

Updated on January 27, 2026 , 199616 views

بہترینگھونٹ منصوبے؟ ان کا انتخاب کیسے کریں؟ یہ کچھ عام سوالات ہیں جو سوچتے وقت سرمایہ کاروں کے ذہن میں آتے ہیں۔سرمایہ کاری میںباہمی چندہ ایس آئی پی یا سیسٹیمیٹک کے ذریعےسرمایہ کاری کا منصوبہ.

SIP سرمایہ کاری Mutual Funds میں سرمایہ کاری کرتے وقت سب سے زیادہ نظم و ضبط والے سرمایہ کاری کے اختیارات میں سے ایک ہے۔ مزید یہ کہ، SIP میوچل فنڈ میں سرمایہ کاری کی کم از کم رقم INR 500 سے کم ہے۔ اس سے سرمایہ کاری ہوتی ہے۔ٹاپ ایس آئی پی بہت آسان منصوبے.

عام طور پر، ہندوستان میں کچھ بہترین SIP منصوبے طویل مدت کے لیے سرمایہ کاری کرنے پر اچھا منافع پیش کرتے ہیں۔ یہ جاننے کے لیے کہ کوئی SIP یا سسٹمیٹک انویسٹمنٹ پلان میں سرمایہ کاری کرکے کتنا کما سکتا ہے، چیک کریں۔گھونٹ کیلکولیٹر (جسے ایس آئی پی ریٹرن کیلکولیٹر بھی کہا جاتا ہے) سیکشن نیچے۔

سیسٹیمیٹک انویسٹمنٹ پلان میں سرمایہ کاری کیوں کی جائے؟

ایک منظم سرمایہ کاری کا منصوبہ متعدد فوائد کے ساتھ آتا ہے۔ اس کی کم از کم سرمایہ کاری کی رقمINR 500 میوچل فنڈز میں سرمایہ کاری کا سفر شروع کرنے کے لیے نہ صرف زیادہ تر آبادی بلکہ بہت سے نوجوانوں کی توجہ حاصل کی ہے۔ ایکسرمایہ کار کون چاہتا ہےSIP میں سرمایہ کاری کریں۔ ان کی اہم منصوبہ بندی کر سکتے ہیںمالی اہداف جیسے کہ بچوں کی تعلیم، شادی کے اخراجات، مکان/گاڑی کی خریداری وغیرہ، نظم و ضبط کے ساتھ۔ کوئی بھی اپنے اہداف (مختصر مدت، وسط مدتی اور طویل مدتی) کے مطابق سرمایہ کاری شروع کر سکتا ہے اور ایک خاص مدت کے دوران دولت میں اضافہ حاصل کر سکتا ہے۔

SIPs بڑے فوائد پیش کرتے ہیں جیسے روپے کی اوسط قیمت اورکمپاؤنڈنگ کی طاقت. روپے کی لاگت کا اوسط ایک فرد کو اثاثہ کی خریداری کی قیمت کا اوسط نکالنے میں مدد کرتا ہے۔ ایس آئی پی میں، یونٹس کی خریداری ایک طویل مدت میں کی جاتی ہے اور یہ ماہانہ وقفوں (عام طور پر) پر یکساں طور پر پھیلی ہوئی ہیں۔ سرمایہ کاری وقت کے ساتھ پھیل جانے کی وجہ سے، سرمایہ کاری اسٹاک میں کی جاتی ہے۔مارکیٹ مختلف قیمت پوائنٹس پر سرمایہ کار کو اوسط لاگت کا فائدہ دیتا ہے، لہذا اصطلاح روپیہ لاگت کا اوسط۔

مرکب سود کی صورت میں، سادہ سود کے برعکس جہاں آپ صرف پرنسپل پر سود حاصل کرتے ہیں، یہاں سود کی رقم پرنسپل میں شامل کی جاتی ہے، اور سود کا حساب نئے پرنسپل (پرانے پرنسپل کے علاوہ منافع) پر کیا جاتا ہے۔ یہ عمل ہر بار جاری رہتا ہے۔ چونکہ ایس آئی پی میں میوچل فنڈز قسطوں میں ہوتے ہیں، اس لیے وہ مرکب ہوتے ہیں، جو ابتدائی طور پر لگائی گئی رقم میں مزید اضافہ کرتے ہیں۔

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مالی سال 22 - 23 میں سرمایہ کاری کے لیے بہترین SIP پلان

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
SBI PSU Fund Growth	₹34.9227 ↓ -0.22	₹5,817	500	4.2	11.2	22.6	32.1	30.8	11.3
DSP World Gold Fund Growth	₹68.627 ↓ -0.49	₹1,756	500	63.1	121.5	206.2	56.9	30	167.1
ICICI Prudential Infrastructure Fund Growth	₹192.2 ↑ 0.86	₹8,134	100	-5.6	-1.6	8.8	24.6	29.7	6.7
Invesco India PSU Equity Fund Growth	₹68.37 ↓ -0.66	₹1,449	500	3.9	10.2	24	32.6	28.9	10.3
HDFC Infrastructure Fund Growth	₹46.464 ↑ 0.05	₹2,452	300	-5.3	-2.8	7.5	26	27.1	2.2
DSP India T.I.G.E.R Fund Growth	₹308.275 ↑ 0.83	₹5,323	500	-4.1	-1.5	7.6	24.5	26.1	-2.5
Nippon India Power and Infra Fund Growth	₹334.316 ↑ 0.75	₹7,117	100	-7.4	-2.5	5.5	25.5	26.1	-0.5
Motilal Oswal Midcap 30 Fund Growth	₹92.0246 ↓ -0.59	₹36,880	500	-11.8	-8.8	-3.4	23.1	26	-12.1
Franklin Build India Fund Growth	₹141.658 ↑ 0.10	₹3,036	500	-4.1	0.2	10.3	26.5	25.9	3.7
Nippon India Small Cap Fund Growth	₹159.253 ↑ 1.71	₹68,287	100	-8.5	-7.5	1.2	20.7	25.8	-4.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Jan 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	SBI PSU Fund	DSP World Gold Fund	ICICI Prudential Infrastructure Fund	Invesco India PSU Equity Fund	HDFC Infrastructure Fund	DSP India T.I.G.E.R Fund	Nippon India Power and Infra Fund	Motilal Oswal Midcap 30 Fund	Franklin Build India Fund	Nippon India Small Cap Fund
Point 1	Upper mid AUM (₹5,817 Cr).	Bottom quartile AUM (₹1,756 Cr).	Upper mid AUM (₹8,134 Cr).	Bottom quartile AUM (₹1,449 Cr).	Bottom quartile AUM (₹2,452 Cr).	Lower mid AUM (₹5,323 Cr).	Upper mid AUM (₹7,117 Cr).	Top quartile AUM (₹36,880 Cr).	Lower mid AUM (₹3,036 Cr).	Highest AUM (₹68,287 Cr).
Point 2	Established history (15+ yrs).	Established history (18+ yrs).	Established history (20+ yrs).	Established history (16+ yrs).	Established history (17+ yrs).	Oldest track record among peers (21 yrs).	Established history (21+ yrs).	Established history (11+ yrs).	Established history (16+ yrs).	Established history (15+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 4★ (top quartile).	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).	Top rated.	Rating: 4★ (upper mid).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.
Point 5	5Y return: 30.79% (top quartile).	5Y return: 29.97% (top quartile).	5Y return: 29.72% (upper mid).	5Y return: 28.94% (upper mid).	5Y return: 27.12% (upper mid).	5Y return: 26.11% (lower mid).	5Y return: 26.08% (lower mid).	5Y return: 25.98% (bottom quartile).	5Y return: 25.91% (bottom quartile).	5Y return: 25.79% (bottom quartile).
Point 6	3Y return: 32.07% (upper mid).	3Y return: 56.94% (top quartile).	3Y return: 24.58% (lower mid).	3Y return: 32.60% (top quartile).	3Y return: 26.02% (upper mid).	3Y return: 24.53% (bottom quartile).	3Y return: 25.53% (lower mid).	3Y return: 23.13% (bottom quartile).	3Y return: 26.54% (upper mid).	3Y return: 20.73% (bottom quartile).
Point 7	1Y return: 22.60% (upper mid).	1Y return: 206.15% (top quartile).	1Y return: 8.84% (upper mid).	1Y return: 24.04% (top quartile).	1Y return: 7.49% (lower mid).	1Y return: 7.60% (lower mid).	1Y return: 5.51% (bottom quartile).	1Y return: -3.39% (bottom quartile).	1Y return: 10.26% (upper mid).	1Y return: 1.20% (bottom quartile).
Point 8	Alpha: -0.22 (lower mid).	Alpha: 1.32 (top quartile).	Alpha: 0.00 (top quartile).	Alpha: -1.90 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (upper mid).	Alpha: -15.06 (bottom quartile).	Alpha: -18.12 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: -1.23 (lower mid).
Point 9	Sharpe: 0.33 (top quartile).	Sharpe: 3.42 (top quartile).	Sharpe: 0.12 (upper mid).	Sharpe: 0.27 (upper mid).	Sharpe: -0.12 (lower mid).	Sharpe: -0.31 (bottom quartile).	Sharpe: -0.20 (lower mid).	Sharpe: -0.79 (bottom quartile).	Sharpe: -0.05 (upper mid).	Sharpe: -0.42 (bottom quartile).
Point 10	Information ratio: -0.47 (bottom quartile).	Information ratio: -0.67 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: -0.37 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.34 (top quartile).	Information ratio: 0.10 (top quartile).	Information ratio: 0.00 (lower mid).	Information ratio: -0.02 (lower mid).

SBI PSU Fund

Upper mid AUM (₹5,817 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 30.79% (top quartile).
3Y return: 32.07% (upper mid).
1Y return: 22.60% (upper mid).
Alpha: -0.22 (lower mid).
Sharpe: 0.33 (top quartile).
Information ratio: -0.47 (bottom quartile).

DSP World Gold Fund

Bottom quartile AUM (₹1,756 Cr).
Established history (18+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 29.97% (top quartile).
3Y return: 56.94% (top quartile).
1Y return: 206.15% (top quartile).
Alpha: 1.32 (top quartile).
Sharpe: 3.42 (top quartile).
Information ratio: -0.67 (bottom quartile).

ICICI Prudential Infrastructure Fund

Upper mid AUM (₹8,134 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 29.72% (upper mid).
3Y return: 24.58% (lower mid).
1Y return: 8.84% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 0.12 (upper mid).
Information ratio: 0.00 (upper mid).

Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,449 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 28.94% (upper mid).
3Y return: 32.60% (top quartile).
1Y return: 24.04% (top quartile).
Alpha: -1.90 (bottom quartile).
Sharpe: 0.27 (upper mid).
Information ratio: -0.37 (bottom quartile).

HDFC Infrastructure Fund

Bottom quartile AUM (₹2,452 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 27.12% (upper mid).
3Y return: 26.02% (upper mid).
1Y return: 7.49% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.12 (lower mid).
Information ratio: 0.00 (upper mid).

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

Lower mid AUM (₹5,323 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (top quartile).
Risk profile: High.
5Y return: 26.11% (lower mid).
3Y return: 24.53% (bottom quartile).
1Y return: 7.60% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.31 (bottom quartile).
Information ratio: 0.00 (upper mid).

Nippon India Power and Infra Fund

Upper mid AUM (₹7,117 Cr).
Established history (21+ yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 26.08% (lower mid).
3Y return: 25.53% (lower mid).
1Y return: 5.51% (bottom quartile).
Alpha: -15.06 (bottom quartile).
Sharpe: -0.20 (lower mid).
Information ratio: 0.34 (top quartile).

Motilal Oswal Midcap 30 Fund

Top quartile AUM (₹36,880 Cr).
Established history (11+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 25.98% (bottom quartile).
3Y return: 23.13% (bottom quartile).
1Y return: -3.39% (bottom quartile).
Alpha: -18.12 (bottom quartile).
Sharpe: -0.79 (bottom quartile).
Information ratio: 0.10 (top quartile).

Franklin Build India Fund

Lower mid AUM (₹3,036 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: High.
5Y return: 25.91% (bottom quartile).
3Y return: 26.54% (upper mid).
1Y return: 10.26% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.05 (upper mid).
Information ratio: 0.00 (lower mid).

Nippon India Small Cap Fund

Highest AUM (₹68,287 Cr).
Established history (15+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 25.79% (bottom quartile).
3Y return: 20.73% (bottom quartile).
1Y return: 1.20% (bottom quartile).
Alpha: -1.23 (lower mid).
Sharpe: -0.42 (bottom quartile).
Information ratio: -0.02 (lower mid).

*فنڈز کی فہرست پر مبنی ہے۔اثاثے >= 200 کروڑ اور ترتیب دیا گیا5 سال کی واپسی۔.

1. SBI PSU Fund

The objective of the scheme would be to provide investors with opportunities for long-term growth in capital along with the liquidity of an open-ended scheme through an active management of investments in a diversified basket of equity stocks of domestic Public Sector Undertakings and in debt and money market instruments issued by PSUs AND others.

Research Highlights for SBI PSU Fund

Upper mid AUM (₹5,817 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 30.79% (top quartile).
3Y return: 32.07% (upper mid).
1Y return: 22.60% (upper mid).
Alpha: -0.22 (lower mid).
Sharpe: 0.33 (top quartile).
Information ratio: -0.47 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~16.8%).

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (30 Jan 26)	₹34.9227 ↓ -0.22 (-0.62 %)
Net Assets (Cr)	₹5,817 on 31 Dec 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0.33
Information Ratio	-0.47
Alpha Ratio	-0.22
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 Dec 20	₹10,000
31 Dec 21	₹13,241
31 Dec 22	₹17,083
31 Dec 23	₹26,314
31 Dec 24	₹32,485
31 Dec 25	₹36,147

SBI PSU Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹642,208.
Net Profit of ₹342,208 Invest Now

Returns for SBI PSU 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 Jan 26

Duration	Returns
1 Month	5.9%
3 Month	4.2%
6 Month	11.2%
1 Year	22.6%
3 Year	32.1%
5 Year	30.8%
10 Year
15 Year
Since launch	8.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	11.3%
2023	23.5%
2022	54%
2021	29%
2020	32.4%
2019	-10%
2018	6%
2017	-23.8%
2016	21.9%
2015	16.2%

Fund Manager information for SBI PSU Fund

Name	Since	Tenure
Rohit Shimpi	1 Jun 24	1.59 Yr.

Data below for SBI PSU Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	35.24%
Utility	29.32%
Energy	13.87%
Industrials	12%
Basic Materials	6.69%

Asset Allocation

Asset Class	Value
Cash	2.8%
Equity	97.11%
Debt	0.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	17%	₹975 Cr	9,927,500
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	9%	₹518 Cr	12,975,000
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| 532555	9%	₹509 Cr	15,443,244 ↑ 900,000
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| 532155	9%	₹502 Cr	29,150,000 ↑ 3,400,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| 532898	8%	₹467 Cr	17,635,554 ↑ 1,100,000
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| 500547	6%	₹372 Cr	9,700,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| 532134	6%	₹325 Cr	11,000,000
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| 526371	4%	₹232 Cr	27,900,000
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| 532814	3%	₹203 Cr	2,427,235
Oil India Ltd (Energy) Equity, Since 31 Mar 24 \| OIL	3%	₹163 Cr	3,850,000

2. 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

Bottom quartile AUM (₹1,756 Cr).
Established history (18+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 29.97% (top quartile).
3Y return: 56.94% (top quartile).
1Y return: 206.15% (top quartile).
Alpha: 1.32 (top quartile).
Sharpe: 3.42 (top quartile).
Information ratio: -0.67 (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 (~73.7%).
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 (29 Jan 26)	₹68.627 ↓ -0.49 (-0.71 %)
Net Assets (Cr)	₹1,756 on 31 Dec 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	3.42
Information Ratio	-0.67
Alpha Ratio	1.32
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 Dec 20	₹10,000
31 Dec 21	₹9,101
31 Dec 22	₹8,405
31 Dec 23	₹8,991
31 Dec 24	₹10,424
31 Dec 25	₹27,842

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹627,226.
Net Profit of ₹327,226 Invest Now

Returns for DSP World Gold Fund

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

Duration	Returns
1 Month	29.4%
3 Month	63.1%
6 Month	121.5%
1 Year	206.2%
3 Year	56.9%
5 Year	30%
10 Year
15 Year
Since launch	11.1%

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
Jay Kothari	1 Mar 13	12.85 Yr.

Data below for DSP World Gold Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Basic Materials	94.95%

Asset Allocation

Asset Class	Value
Cash	2.43%
Equity	94.95%
Debt	0.01%
Other	2.6%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	74%	₹1,294 Cr	1,219,254 ↓ -59,731
VanEck Gold Miners ETF - \| GDX	25%	₹442 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	2%	₹28 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹8 Cr

3. ICICI Prudential Infrastructure Fund

To generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure development and balance in debt securities and money market instruments.

Research Highlights for ICICI Prudential Infrastructure Fund

Upper mid AUM (₹8,134 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 29.72% (upper mid).
3Y return: 24.58% (lower mid).
1Y return: 8.84% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 0.12 (upper mid).
Information ratio: 0.00 (upper mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding Larsen & Toubro Ltd (~8.8%).

Below is the key information for ICICI Prudential Infrastructure Fund

ICICI Prudential Infrastructure Fund Growth
Launch Date	31 Aug 05
NAV (30 Jan 26)	₹192.2 ↑ 0.86 (0.45 %)
Net Assets (Cr)	₹8,134 on 31 Dec 25
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0.12
Information Ratio	0
Alpha Ratio	0
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 Dec 20	₹10,000
31 Dec 21	₹15,007
31 Dec 22	₹19,333
31 Dec 23	₹27,952
31 Dec 24	₹35,602
31 Dec 25	₹38,004

ICICI Prudential Infrastructure 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 ICICI Prudential 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 Jan 26

Duration	Returns
1 Month	-1.9%
3 Month	-5.6%
6 Month	-1.6%
1 Year	8.8%
3 Year	24.6%
5 Year	29.7%
10 Year
15 Year
Since launch	15.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.7%
2023	27.4%
2022	44.6%
2021	28.8%
2020	50.1%
2019	3.6%
2018	2.6%
2017	-14%
2016	40.8%
2015	2%

Fund Manager information for ICICI Prudential Infrastructure Fund

Name	Since	Tenure
Ihab Dalwai	3 Jun 17	8.59 Yr.
Sharmila D’mello	30 Jun 22	3.51 Yr.

Data below for ICICI Prudential Infrastructure Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	46.72%
Financial Services	13.08%
Basic Materials	11.19%
Utility	10.14%
Energy	8.12%
Real Estate	4.42%
Consumer Cyclical	1.99%
Communication Services	0.86%

Asset Allocation

Asset Class	Value
Cash	3.15%
Equity	96.85%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 09 \| LT	9%	₹717 Cr	1,755,704
InterGlobe Aviation Ltd (Industrials) Equity, Since 28 Feb 23 \| INDIGO	7%	₹565 Cr	1,116,358 ↑ 891,940
NTPC Ltd (Utilities) Equity, Since 29 Feb 16 \| 532555	4%	₹342 Cr	10,376,448 ↓ -600,000
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 May 24 \| ADANIPORTS	3%	₹250 Cr	1,700,000 ↓ -154,934
AIA Engineering Ltd (Industrials) Equity, Since 28 Feb 21 \| AIAENG	3%	₹246 Cr	612,120 ↓ -57,631
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 23 \| RELIANCE	3%	₹240 Cr	1,529,725
Kalpataru Projects International Ltd (Industrials) Equity, Since 30 Sep 06 \| KPIL	3%	₹230 Cr	1,911,120 ↑ 107,554
Axis Bank Ltd (Financial Services) Equity, Since 31 Dec 20 \| 532215	3%	₹214 Cr	1,683,557
IndusInd Bank Ltd (Financial Services) Equity, Since 31 Oct 24 \| INDUSINDBK	3%	₹209 Cr	2,424,016
NCC Ltd (Industrials) Equity, Since 31 Aug 21 \| NCC	3%	₹209 Cr	13,053,905

4. Invesco India PSU Equity Fund

To generate capital appreciation by investing in Equity and Equity Related Instruments of companies where the Central / State Government(s) has majority shareholding or management control or has powers to appoint majority of directors. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns.

Research Highlights for Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,449 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 28.94% (upper mid).
3Y return: 32.60% (top quartile).
1Y return: 24.04% (top quartile).
Alpha: -1.90 (bottom quartile).
Sharpe: 0.27 (upper mid).
Information ratio: -0.37 (bottom quartile).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding State Bank of India (~9.4%).

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund Growth
Launch Date	18 Nov 09
NAV (30 Jan 26)	₹68.37 ↓ -0.66 (-0.96 %)
Net Assets (Cr)	₹1,449 on 31 Dec 25
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.14
Sharpe Ratio	0.27
Information Ratio	-0.37
Alpha Ratio	-1.9
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 Dec 20	₹10,000
31 Dec 21	₹13,105
31 Dec 22	₹15,797
31 Dec 23	₹24,402
31 Dec 24	₹30,659
31 Dec 25	₹33,810

Invesco India PSU Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹612,552.
Net Profit of ₹312,552 Invest Now

Returns for Invesco India PSU 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 Jan 26

Duration	Returns
1 Month	6.2%
3 Month	3.9%
6 Month	10.2%
1 Year	24%
3 Year	32.6%
5 Year	28.9%
10 Year
15 Year
Since launch	12.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	10.3%
2023	25.6%
2022	54.5%
2021	20.5%
2020	31.1%
2019	6.1%
2018	10.1%
2017	-16.9%
2016	24.3%
2015	17.9%

Fund Manager information for Invesco India PSU Equity Fund

Name	Since	Tenure
Hiten Jain	1 Jul 25	0.5 Yr.
Sagar Gandhi	1 Jul 25	0.5 Yr.

Data below for Invesco India PSU Equity Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	31.01%
Financial Services	29.88%
Utility	19.12%
Energy	13.49%
Basic Materials	3.52%
Consumer Cyclical	1.22%

Asset Allocation

Asset Class	Value
Cash	1.76%
Equity	98.24%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	9%	₹136 Cr	1,387,617 ↓ -38,697
Bharat Electronics Ltd (Industrials) Equity, Since 31 Mar 17 \| BEL	8%	₹120 Cr	2,997,692
Bharat Petroleum Corp Ltd (Energy) Equity, Since 30 Sep 18 \| 500547	7%	₹104 Cr	2,717,009 ↓ -184,556
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| 532814	7%	₹97 Cr	1,157,444 ↑ 76,826
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	6%	₹86 Cr	9,129,820 ↑ 339,034
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| HAL	6%	₹86 Cr	196,158
Bank of Baroda (Financial Services) Equity, Since 30 Jun 21 \| 532134	5%	₹66 Cr	2,244,222 ↑ 127,830
Bharat Dynamics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| BDL	5%	₹65 Cr	445,685 ↑ 21,640
Dredging Corp of India Ltd (Industrials) Equity, Since 31 Jul 25 \| DREDGECORP	4%	₹64 Cr	646,300
NTPC Ltd (Utilities) Equity, Since 31 May 19 \| 532555	4%	₹59 Cr	1,801,543 ↓ -223,420

5. HDFC Infrastructure Fund

To seek long-term capital appreciation by investing predominantly in equity and equity related securities of companies engaged in or expected to benefit from growth and development of infrastructure.

Research Highlights for HDFC Infrastructure Fund

Bottom quartile AUM (₹2,452 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 27.12% (upper mid).
3Y return: 26.02% (upper mid).
1Y return: 7.49% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.12 (lower mid).
Information ratio: 0.00 (upper mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding Larsen & Toubro Ltd (~6.6%).

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund Growth
Launch Date	10 Mar 08
NAV (30 Jan 26)	₹46.464 ↑ 0.05 (0.10 %)
Net Assets (Cr)	₹2,452 on 31 Dec 25
Category	Equity - Sectoral
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	2.06
Sharpe Ratio	-0.13
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹14,317
31 Dec 22	₹17,080
31 Dec 23	₹26,545
31 Dec 24	₹32,658
31 Dec 25	₹33,376

HDFC Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181 Invest Now

Returns for HDFC 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 Jan 26

Duration	Returns
1 Month	-1.5%
3 Month	-5.3%
6 Month	-2.8%
1 Year	7.5%
3 Year	26%
5 Year	27.1%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2024	2.2%
2023	23%
2022	55.4%
2021	19.3%
2020	43.2%
2019	-7.5%
2018	-3.4%
2017	-29%
2016	43.3%
2015	-1.9%

Fund Manager information for HDFC Infrastructure Fund

Name	Since	Tenure
Dhruv Muchhal	22 Jun 23	2.53 Yr.
Ashish Shah	1 Nov 25	0.17 Yr.

Data below for HDFC Infrastructure Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	39.43%
Financial Services	20.52%
Basic Materials	10.17%
Energy	7.36%
Utility	6.95%
Communication Services	4.29%
Real Estate	2.59%
Health Care	1.72%
Technology	1.41%
Consumer Cyclical	0.69%

Asset Allocation

Asset Class	Value
Cash	4.88%
Equity	95.12%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 12 \| LT	7%	₹162 Cr	397,500 ↑ 17,500
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| 532174	6%	₹148 Cr	1,100,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Aug 23 \| HDFCBANK	6%	₹139 Cr	1,400,000
Kalpataru Projects International Ltd (Industrials) Equity, Since 31 Jan 23 \| KPIL	4%	₹91 Cr	758,285
J Kumar Infraprojects Ltd (Industrials) Equity, Since 31 Oct 15 \| JKIL	3%	₹82 Cr	1,400,000
Reliance Industries Ltd (Energy) Equity, Since 31 May 24 \| RELIANCE	3%	₹79 Cr	500,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Dec 21 \| INDIGO	3%	₹76 Cr	150,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 20 \| BHARTIARTL	3%	₹74 Cr	350,000
NTPC Ltd (Utilities) Equity, Since 31 Dec 17 \| 532555	3%	₹73 Cr	2,200,000
State Bank of India (Financial Services) Equity, Since 31 Mar 08 \| SBIN	3%	₹69 Cr	704,361

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

To generate capital appreciation, from a portfolio that is substantially constituted of equity securities and equity related securities of corporates, which could benefit from structural changes brought about by continuing liberalization in economic policies by the government and/or continuing investments in infrastructure, both by the public and private sector.

Research Highlights for DSP India T.I.G.E.R Fund

Lower mid AUM (₹5,323 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (top quartile).
Risk profile: High.
5Y return: 26.11% (lower mid).
3Y return: 24.53% (bottom quartile).
1Y return: 7.60% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.31 (bottom quartile).
Information ratio: 0.00 (upper mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Larsen & Toubro Ltd (~5.3%).

Below is the key information for DSP India T.I.G.E.R Fund

DSP India T.I.G.E.R Fund Growth
Launch Date	11 Jun 04
NAV (30 Jan 26)	₹308.275 ↑ 0.83 (0.27 %)
Net Assets (Cr)	₹5,323 on 31 Dec 25
Category	Equity - Sectoral
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.31
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 Dec 20	₹10,000
31 Dec 21	₹15,158
31 Dec 22	₹17,260
31 Dec 23	₹25,716
31 Dec 24	₹34,043
31 Dec 25	₹33,175

DSP India T.I.G.E.R 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 India T.I.G.E.R 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 Jan 26

Duration	Returns
1 Month	-1.5%
3 Month	-4.1%
6 Month	-1.5%
1 Year	7.6%
3 Year	24.5%
5 Year	26.1%
10 Year
15 Year
Since launch	17.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-2.5%
2023	32.4%
2022	49%
2021	13.9%
2020	51.6%
2019	2.7%
2018	6.7%
2017	-17.2%
2016	47%
2015	4.1%

Fund Manager information for DSP India T.I.G.E.R Fund

Name	Since	Tenure
Rohit Singhania	21 Jun 10	15.54 Yr.

Data below for DSP India T.I.G.E.R Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	30.1%
Basic Materials	14.02%
Financial Services	11.6%
Utility	10.47%
Consumer Cyclical	8.71%
Energy	7.67%
Health Care	5.45%
Communication Services	3.33%
Technology	1.7%
Real Estate	1.7%
Consumer Defensive	1.36%

Asset Allocation

Asset Class	Value
Cash	3.89%
Equity	96.11%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 04 \| LT	5%	₹284 Cr	694,468 ↓ -3,201
NTPC Ltd (Utilities) Equity, Since 30 Nov 17 \| 532555	4%	₹235 Cr	7,145,883
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 31 Dec 24 \| APOLLOHOSP	3%	₹173 Cr	245,928
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 18 \| BHARTIARTL	3%	₹171 Cr	812,745 ↑ 56,591
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 31 May 25 \| MCX	3%	₹152 Cr	136,165
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jan 25 \| 532898	3%	₹147 Cr	5,567,574
Kirloskar Oil Engines Ltd (Industrials) Equity, Since 31 Mar 23 \| KIRLOSENG	3%	₹141 Cr	1,154,264 ↓ -258,148
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 Oct 25 \| HAL	3%	₹134 Cr	305,098
Coal India Ltd (Energy) Equity, Since 31 Dec 23 \| COALINDIA	2%	₹133 Cr	3,321,453
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Dec 24 \| AMBER	2%	₹126 Cr	197,265

7. 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

Upper mid AUM (₹7,117 Cr).
Established history (21+ yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 26.08% (lower mid).
3Y return: 25.53% (lower mid).
1Y return: 5.51% (bottom quartile).
Alpha: -15.06 (bottom quartile).
Sharpe: -0.20 (lower mid).
Information ratio: 0.34 (top quartile).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~100%).
Largest holding Reliance Industries Ltd (~10.0%).

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 (30 Jan 26)	₹334.316 ↑ 0.75 (0.22 %)
Net Assets (Cr)	₹7,117 on 31 Dec 25
Category	Equity - Sectoral
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.85
Sharpe Ratio	-0.2
Information Ratio	0.34
Alpha Ratio	-15.06
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 Dec 20	₹10,000
31 Dec 21	₹14,888
31 Dec 22	₹16,512
31 Dec 23	₹26,089
31 Dec 24	₹33,115
31 Dec 25	₹32,946

Nippon India Power and Infra 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 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 30 Jan 26

Duration	Returns
1 Month	-2.8%
3 Month	-7.4%
6 Month	-2.5%
1 Year	5.5%
3 Year	25.5%
5 Year	26.1%
10 Year
15 Year
Since launch	17.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-0.5%
2023	26.9%
2022	58%
2021	10.9%
2020	48.9%
2019	10.8%
2018	-2.9%
2017	-21.1%
2016	61.7%
2015	0.1%

Fund Manager information for Nippon India Power and Infra Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	7.61 Yr.
Rahul Modi	19 Aug 24	1.37 Yr.
Lokesh Maru	5 Sep 25	0.32 Yr.
Divya Sharma	5 Sep 25	0.32 Yr.

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

Equity Sector Allocation

Sector	Value
Industrials	32.98%
Utility	23%
Consumer Cyclical	10.79%
Energy	10.36%
Basic Materials	7.3%
Technology	4.55%
Communication Services	3.55%
Financial Services	2.54%
Real Estate	2.43%
Health Care	2.08%

Asset Allocation

Asset Class	Value
Cash	0.43%
Equity	99.57%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 18 \| RELIANCE	10%	₹715 Cr	4,550,000 ↑ 125,000
NTPC Ltd (Utilities) Equity, Since 31 May 09 \| 532555	8%	₹560 Cr	17,000,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 07 \| LT	6%	₹435 Cr	1,064,337
Tata Power Co Ltd (Utilities) Equity, Since 30 Apr 23 \| 500400	4%	₹300 Cr	7,900,789
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 18 \| BHARTIARTL	4%	₹253 Cr	1,200,000 ↓ -900,000
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Oct 19 \| 532538	3%	₹200 Cr	170,000
Bharat Heavy Electricals Ltd (Industrials) Equity, Since 30 Sep 24 \| 500103	3%	₹198 Cr	6,900,000 ↓ -1,100,838
CG Power & Industrial Solutions Ltd (Industrials) Equity, Since 30 Sep 24 \| 500093	3%	₹196 Cr	3,020,014
Bharat Forge Ltd (Consumer Cyclical) Equity, Since 31 Oct 24 \| 500493	2%	₹173 Cr	1,179,635
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	2%	₹165 Cr	17,497,157 ↑ 350,000

8. Motilal Oswal Midcap 30 Fund

(Erstwhile Motilal Oswal MOSt Focused Midcap 30 Fund)

The investment objective of the Scheme is to achieve long term capital appreciation by investing in a maximum of 30 quality mid-cap companies having long-term competitive advantages and potential for growth. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved.

Research Highlights for Motilal Oswal Midcap 30 Fund

Top quartile AUM (₹36,880 Cr).
Established history (11+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 25.98% (bottom quartile).
3Y return: 23.13% (bottom quartile).
1Y return: -3.39% (bottom quartile).
Alpha: -18.12 (bottom quartile).
Sharpe: -0.79 (bottom quartile).
Information ratio: 0.10 (top quartile).
Higher exposure to Technology vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~82%).
Largest holding Persistent Systems Ltd (~10.2%).

Below is the key information for Motilal Oswal Midcap 30 Fund

Motilal Oswal Midcap 30 Fund Growth
Launch Date	24 Feb 14
NAV (30 Jan 26)	₹92.0246 ↓ -0.59 (-0.64 %)
Net Assets (Cr)	₹36,880 on 31 Dec 25
Category	Equity - Mid Cap
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.56
Sharpe Ratio	-0.79
Information Ratio	0.1
Alpha Ratio	-18.12
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 Dec 20	₹10,000
31 Dec 21	₹15,583
31 Dec 22	₹17,252
31 Dec 23	₹24,442
31 Dec 24	₹38,406
31 Dec 25	₹33,746

Motilal Oswal Midcap 30 Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 Invest Now

Returns for Motilal Oswal Midcap 30 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 Jan 26

Duration	Returns
1 Month	-6%
3 Month	-11.8%
6 Month	-8.8%
1 Year	-3.4%
3 Year	23.1%
5 Year	26%
10 Year
15 Year
Since launch	20.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-12.1%
2023	57.1%
2022	41.7%
2021	10.7%
2020	55.8%
2019	9.3%
2018	9.7%
2017	-12.7%
2016	30.8%
2015	5.2%

Fund Manager information for Motilal Oswal Midcap 30 Fund

Name	Since	Tenure
Ajay Khandelwal	1 Oct 24	1.25 Yr.
Niket Shah	1 Jul 20	5.51 Yr.
Rakesh Shetty	22 Nov 22	3.11 Yr.
Sunil Sawant	1 Jul 24	1.5 Yr.

Data below for Motilal Oswal Midcap 30 Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Technology	34.62%
Consumer Cyclical	15.12%
Industrials	10.84%
Financial Services	10.65%
Communication Services	9.14%
Real Estate	2.38%
Health Care	0.85%

Asset Allocation

Asset Class	Value
Cash	18.4%
Equity	81.6%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Persistent Systems Ltd (Technology) Equity, Since 31 Jan 23 \| PERSISTENT	10%	₹3,744 Cr	5,969,840 ↓ -30,160
Coforge Ltd (Technology) Equity, Since 31 Mar 23 \| COFORGE	9%	₹3,284 Cr	19,750,000
One97 Communications Ltd (Technology) Equity, Since 30 Sep 24 \| 543396	8%	₹2,923 Cr	22,501,127 ↑ 21,166
Kalyan Jewellers India Ltd (Consumer Cyclical) Equity, Since 29 Feb 24 \| KALYANKJIL	8%	₹2,914 Cr	60,043,240
Dixon Technologies (India) Ltd (Technology) Equity, Since 31 Mar 23 \| DIXON	7%	₹2,541 Cr	2,100,000
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Aug 25 \| 543320	6%	₹2,127 Cr	76,501,000 ↓ -33,500,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 25 \| BHARTIARTL	5%	₹2,004 Cr	9,517,664 ↑ 17,664
KEI Industries Ltd (Industrials) Equity, Since 30 Nov 24 \| KEI	5%	₹1,784 Cr	4,000,000
Aditya Birla Capital Ltd (Financial Services) Equity, Since 30 Jun 25 \| ABCAPITAL	5%	₹1,699 Cr	47,500,000
Bharti Hexacom Ltd (Communication Services) Equity, Since 31 Oct 24 \| BHARTIHEXA	4%	₹1,366 Cr	7,500,000

9. 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

Lower mid AUM (₹3,036 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: High.
5Y return: 25.91% (bottom quartile).
3Y return: 26.54% (upper mid).
1Y return: 10.26% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.05 (upper mid).
Information ratio: 0.00 (lower mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding Larsen & Toubro Ltd (~8.9%).

Below is the key information for Franklin Build India Fund

Franklin Build India Fund Growth
Launch Date	4 Sep 09
NAV (30 Jan 26)	₹141.658 ↑ 0.10 (0.07 %)
Net Assets (Cr)	₹3,036 on 31 Dec 25
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	2.01
Sharpe Ratio	-0.05
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 Dec 20	₹10,000
31 Dec 21	₹14,590
31 Dec 22	₹16,231
31 Dec 23	₹24,526
31 Dec 24	₹31,348
31 Dec 25	₹32,504

Franklin Build India Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 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 30 Jan 26

Duration	Returns
1 Month	-0.2%
3 Month	-4.1%
6 Month	0.2%
1 Year	10.3%
3 Year	26.5%
5 Year	25.9%
10 Year
15 Year
Since launch	17.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	3.7%
2023	27.8%
2022	51.1%
2021	11.2%
2020	45.9%
2019	5.4%
2018	6%
2017	-10.7%
2016	43.3%
2015	8.4%

Fund Manager information for Franklin Build India Fund

Name	Since	Tenure
Ajay Argal	18 Oct 21	4.21 Yr.
Kiran Sebastian	7 Feb 22	3.9 Yr.
Sandeep Manam	18 Oct 21	4.21 Yr.

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

Equity Sector Allocation

Sector	Value
Industrials	35%
Financial Services	15.02%
Utility	14.66%
Energy	13.57%
Communication Services	8.21%
Basic Materials	5.21%
Real Estate	2.63%
Consumer Cyclical	1.58%
Technology	1.15%

Asset Allocation

Asset Class	Value
Cash	2.97%
Equity	97.03%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 29 Feb 20 \| LT	9%	₹272 Cr	665,000
Reliance Industries Ltd (Energy) Equity, Since 31 Oct 21 \| RELIANCE	6%	₹188 Cr	1,200,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 29 Feb 20 \| INDIGO	5%	₹165 Cr	325,341 ↑ 10,341
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 30 Jun 19 \| 500312	5%	₹164 Cr	6,825,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 09 \| BHARTIARTL	5%	₹149 Cr	710,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 25 \| HDFCBANK	5%	₹149 Cr	1,500,000
NTPC Ltd (Utilities) Equity, Since 30 Nov 16 \| 532555	5%	₹143 Cr	4,350,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 12 \| 532215	4%	₹127 Cr	1,000,000
State Bank of India (Financial Services) Equity, Since 31 Jul 14 \| SBIN	3%	₹98 Cr	1,000,000
GAIL (India) Ltd (Utilities) Equity, Since 31 Jan 25 \| 532155	3%	₹96 Cr	5,600,000

10. Nippon India Small Cap Fund

The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related instruments of small cap companies and the secondary objective is to generate consistent returns by investing in debt and money market securities.

Research Highlights for Nippon India Small Cap Fund

Highest AUM (₹68,287 Cr).
Established history (15+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 25.79% (bottom quartile).
3Y return: 20.73% (bottom quartile).
1Y return: 1.20% (bottom quartile).
Alpha: -1.23 (lower mid).
Sharpe: -0.42 (bottom quartile).
Information ratio: -0.02 (lower mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Multi Commodity Exchange of India Ltd (~3.0%).

Below is the key information for Nippon India Small Cap Fund

Nippon India Small Cap Fund Growth
Launch Date	16 Sep 10
NAV (30 Jan 26)	₹159.253 ↑ 1.71 (1.08 %)
Net Assets (Cr)	₹68,287 on 31 Dec 25
Category	Equity - Small Cap
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.44
Sharpe Ratio	-0.42
Information Ratio	-0.02
Alpha Ratio	-1.23
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 Dec 20	₹10,000
31 Dec 21	₹17,434
31 Dec 22	₹18,574
31 Dec 23	₹27,661
31 Dec 24	₹34,872
31 Dec 25	₹33,217

Nippon India Small Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 Invest Now

Returns for Nippon India Small 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 Jan 26

Duration	Returns
1 Month	-4.5%
3 Month	-8.5%
6 Month	-7.5%
1 Year	1.2%
3 Year	20.7%
5 Year	25.8%
10 Year
15 Year
Since launch	19.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-4.7%
2023	26.1%
2022	48.9%
2021	6.5%
2020	74.3%
2019	29.2%
2018	-2.5%
2017	-16.7%
2016	63%
2015	5.6%

Fund Manager information for Nippon India Small Cap Fund

Name	Since	Tenure
Samir Rachh	2 Jan 17	9 Yr.
Kinjal Desai	25 May 18	7.61 Yr.
Lokesh Maru	5 Sep 25	0.32 Yr.
Divya Sharma	5 Sep 25	0.32 Yr.

Data below for Nippon India Small Cap Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	19.8%
Financial Services	16.77%
Consumer Cyclical	14.25%
Consumer Defensive	11.36%
Basic Materials	10.68%
Health Care	9.29%
Technology	6.96%
Utility	3%
Energy	1.86%
Communication Services	1.26%
Real Estate	0.92%

Asset Allocation

Asset Class	Value
Cash	3.83%
Equity	96.17%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 28 Feb 21 \| MCX	3%	₹2,061 Cr	1,851,010
HDFC Bank Ltd (Financial Services) Equity, Since 30 Apr 22 \| HDFCBANK	2%	₹1,318 Cr	13,300,000
State Bank of India (Financial Services) Equity, Since 31 Oct 19 \| SBIN	1%	₹1,016 Cr	10,347,848
Karur Vysya Bank Ltd (Financial Services) Equity, Since 28 Feb 17 \| 590003	1%	₹1,006 Cr	38,140,874
Bharat Heavy Electricals Ltd (Industrials) Equity, Since 30 Sep 22 \| 500103	1%	₹848 Cr	29,507,422
Emami Ltd (Consumer Defensive) Equity, Since 31 Jul 23 \| 531162	1%	₹835 Cr	15,798,302 ↑ 2,923,504
eClerx Services Ltd (Technology) Equity, Since 31 Jul 20 \| ECLERX	1%	₹804 Cr	1,712,794
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 24 \| RELIANCE	1%	₹780 Cr	4,964,128
Zydus Wellness Ltd (Consumer Defensive) Equity, Since 31 Aug 16 \| ZYDUSWELL	1%	₹775 Cr	17,048,030 ↑ 200,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Jul 24 \| 532215	1%	₹759 Cr	5,977,976

بہترین SIP سرمایہ کاری کا انتخاب کیسے کریں؟

مختلف میوچل فنڈز ہیں جو آپ کو SIP کے ذریعے سرمایہ کاری کرنے کی اجازت دیتے ہیں۔ لیکن بنیادی مسئلہ انتخاب کا ہے۔بہترین باہمی فنڈز ایس آئی پی کے لیے۔ اگرچہ بہترین میوچل فنڈز ہر شخص میں مختلف ہو سکتے ہیں، ذیل میں کچھ نکات کی فہرست دی گئی ہے جن پر سرمایہ کار بہترین SIP میوچل فنڈ کا انتخاب کرنے سے پہلے غور کر سکتے ہیں۔

SIP سرمایہ کاری کے مقصد کو سمجھیں۔

جب سرمایہ کاری کی بات آتی ہے تو ہم میں سے ہر ایک کا مقصد مختلف ہوتا ہے۔ لہذا SIP کے ذریعے میوچل فنڈز میں سرمایہ کاری کرنے سے پہلے، یہ مشورہ دیا جاتا ہے کہ آپ اپنے سرمایہ کاری کے اہداف کی واضح تصویر حاصل کریں اوررسک پروفائل. عام طور پر،ایکویٹی میوچل فنڈز طویل مدتی مقاصد کے لیے فائدہ مند سمجھا جاتا ہے جبکہکرنسی مارکیٹ اورقرض فنڈ مختصر مدت کے مقاصد کے لیے موزوں ہیں۔

فنڈ ہاؤس کو جانیں۔

SIP ریٹرن کا ایک بڑا حصہ فنڈ ہاؤس پر منحصر ہے جو آپ کی طرف سے آپ کے پیسے کا انتظام کرتا ہے۔ اگر فنڈ ہاؤس اپنے مقصد میں ناکام ہو جاتا ہے، تو آپ اپنی رقم کھونے والے ہوں گے۔ یہ یقینی بنانے کے لیے کہ آپ کے پاس بہترین SIP پلان ہے ایک معروف فنڈ ہاؤس کا انتخاب کریں۔

ایس آئی پی میوچل فنڈ کے فنڈ کی کارکردگی کی نگرانی کریں۔

بنیادی وجوہات میں سے ایک جس کی وجہ سے لوگمیوچل فنڈز میں سرمایہ کاری کریں۔ ایس آئی پی کے ذریعے پیسہ کمانا ہے۔ لہذا، بہترین فنڈ کا انتخاب کرنے اور پھر بہترین SIP منصوبوں میں سرمایہ کاری کرنے کے لیے وقت کے دوران فنڈز کی کارکردگی کا تجزیہ کرنا ضروری ہے۔ عام طور پر، ایکویٹی Mutual Funds کے لیے طویل مدتی کارکردگی کو دیکھا جاتا ہے، جبکہ قرض کے لیے Mutual Funds مختصر سے درمیانی مدت کے منافع پر غور کیا جاتا ہے۔

SIP کے بوجھ اور بار بار چلنے والے اخراجات کا تجزیہ کریں۔

آخری لیکن کم از کم نہیں، ایگزٹ لوڈ اور اخراجات کا تناسب اگر ایک مخصوص مدت (عام طور پر لاک ان پیریڈ کہلاتا ہے) سے پہلے سرمایہ کاری کو چھڑا لیا جائے۔

لہذا، یہ مشورہ دیا جاتا ہے کہ ان پیرامیٹرز کو ذہن میں رکھتے ہوئے بہترین SIP پلانز کا انتخاب کریں۔ سرمایہ کاری کرنے سے پہلے سوچیں!

SIP کیلکولیٹر (SIP ریٹرن کیلکولیٹر)

کے لیےمعاشی منصوبہ بندی، ایس آئی پی کیلکولیٹر یا ایس آئی پی ریٹرن کیلکولیٹر بہترین ٹولز میں سے ایک ہے۔

یہ مانیٹر کرنے کے لیے کہ آپ کا SIP کمپاؤنڈنگ کی طاقت سے کیسے بڑھتا ہے، ذیل کی مثال پر غور کریں۔

ماہانہ سرمایہ کاری	سرمایہ کاری کی مدت	سرمایہ کاری کی کل رقم	حتمی قیمت @ 14% p.a.
1،000	5 سال	60,000	87,200
1,000	10 سال	1,20,000	2,62,091
1,000	15 سال	1,80,000	6,12,853

مندرجہ بالا جدول میں بتایا گیا ہے کہ اگر آپ SIP Mutual Fund میں ماہانہ INR 1,000 کی سرمایہ کاری کرتے ہیں، تو 5 سالوں میں آپ کی کل سرمایہ کاری INR 60,000 ہوگی اور آپ کا SIP 14% p.a کے مفروضہ واپسی فیصد پر واپس آئے گا۔ ہو گا87,2001 روپےبالترتیب اسی طرح 10 سالوں میں کل سرمایہ کاری ہوگی۔INR 1,20,000 اور SIP 14% p.a کی فرضی فیصد پر واپسی ہو گاINR 2,62,091.

اسی طرح 15 سال میں سرمایہ کاری ہوگی۔INR 1,80,000 اور 14% p.a کی واپسی کے فیصد پر حتمی قیمت ہوگی۔6,12,853 روپےبالترتیب

لہذا، صرف ایک مہینے میں INR 1,000 کی سرمایہ کاری کرکے، دیکھیں کہ آنے والے سالوں میں آپ کی رقم کیسے بڑھے گی۔ سرمایہ کاری کے لیے بہترین SIP میوچل فنڈ کا انتخاب کرتے وقت مذکورہ بالا حسابات پر غور کریں۔

اکثر پوچھے گئے سوالات

1. SIP کیا ہے؟

A: ایس آئی پی یا سیسٹیمیٹک انویسٹمنٹ پلان ایک سرمایہ کاری کا راستہ ہے جو میوچل فنڈ اسکیم کے تحت پیش کیا جاتا ہے، جہاں اسکیم کے تحت باقاعدہ وقفوں پر ایک مخصوص رقم کی سرمایہ کاری کی جاتی ہے۔ یہ قسط 500 روپے تک ہو سکتی ہے۔

2. SIP کے کیا فوائد ہیں؟

A: SIP کا بنیادی فائدہ یہ ہے کہ یہ سرمایہ کاری کو زیادہ نظم و ضبط بناتا ہے۔ یہ سرمایہ کار کو بنانے کی اجازت دیتا ہے۔مالیاتی منصوبہ مفید ہے اور سرمایہ کار میں سرمایہ کاری کی عادت پیدا کرنے میں مدد کرتا ہے۔

3. SIP میں کون سرمایہ کاری کر سکتا ہے؟

A: کوئی بھی ایس آئی پی میں سرمایہ کاری کر سکتا ہے۔ لیکن، آپ کو اپنے خطرے کا تجزیہ کرنا چاہیے، مطلب یہ ہے کہ آپ کتنا خطرہ مول لینا چاہتے ہیں۔ اس کے علاوہ، شروع کرنے کے لیے، آپ کو PAN کی تفصیلات، ایڈریس پروف، اور کی ضرورت ہے۔بینک تفصیلات

4. آف لائن موڈ میں SIP میں سرمایہ کاری کرنے کے کیا اقدامات ہیں؟

A: آف لائن موڈ میں سرمایہ کاری کرنے کے لیے، آپ کو درخواست فارم کو پُر کرنا ہوگا، ماہانہ یا سہ ماہی SIP رقم کے لیے ایک چیک جمع کرانا ہوگا، اس کی ایک کاپی فراہم کرنا ہوگی۔پین کارڈآپ کے بینک کی تفصیلات کے ثبوت کے طور پر ایڈریس کا ثبوت، اور ایک منسوخ شدہ چیک۔

5. مجھے ICICI پرڈینشل ٹیکنالوجی فنڈ میں کیوں سرمایہ کاری کرنی چاہیے؟

A: ICICI پرڈینشل ٹیکنالوجی فنڈ نے 3 مارچ 2000 کو اپنے آغاز کے بعد سے 11.9% کی واپسی ظاہر کی ہے۔ دوسرے فنڈز کے برعکس، سال 2020 میں، اس نے 70.6% کی واپسی قائم کی ہے۔ لہذا، آئی سی آئی سی آئی پرڈینشل ٹیکنالوجی فنڈ میں سرمایہ کاری فائدہ مند ثابت ہوئی ہے اور اس نے پانچ سالوں کے لیے ایس آئی پی میں سرمایہ کاری کی ہے۔

6. مجھے ایس بی آئی بلیوچپ فنڈ ریگولر گروتھ میں کیوں سرمایہ کاری کرنی چاہئے؟

A: ایس بی آئی بلیوچپ فنڈ ریگولر گروتھ نے پانچ سالہ ترقی کی شرح ظاہر کی ہے۔5.29%، جو نسبتاً زیادہ ہے۔

7. SIP میں سرمایہ کاری کرتے وقت آپ کو کن چیزوں پر غور کرنا چاہیے؟

A: جب آپ SIP میں سرمایہ کاری کرتے ہیں، تو آپ کو خالص اثاثہ کی قیمت یانہیں ہیں. یہ وہ سرمایہ کاری ہے جو آپ اسکیم کے لیے کرتے ہیں۔ آپ کو اس کی ریٹنگز اور اس کی تاریخی کارکردگی کو بھی چیک کرنا چاہیے۔ اس بات کو یقینی بنانے کے لیے کہ آپ کی سرمایہ کاری محفوظ ہے SIP سے حاصل ہونے والے منافع کو سمجھنا ضروری ہے۔

8. کیا SIP کے لیے KYC اہم ہے؟

A: ہاں، SIP کے لیے بھی KYC ضروری ہے۔ چونکہ SIP میوچل فنڈ کی اسکیم کے تحت آتا ہے، آپ کو SIP میں سرمایہ کاری کرنے کے لیے KYC دستاویزات فراہم کرنے ہوں گے۔

9. کیا SIPs میں کم از کم سرمایہ کاری کی ضرورت ہوتی ہے؟

A: ہاں، کچھ SIPs میں کم از کم سرمایہ کاری کی ضرورت ہوتی ہے۔ مثال کے طور پر، آدتیہ برلا سن لائف ڈیجیٹل انڈیا فنڈ میں کم از کم SIP سرمایہ کاری کی ضرورت ہے 1000 روپے۔ ایس بی آئی بلیوچپ فنڈ ریگولر گروتھ کی کم از کم ضرورت 5000 روپے ہے۔ اس طرح، آپ جس SIP میں سرمایہ کاری کر رہے ہیں اس پر منحصر ہے، آپ کو اپنی سرمایہ کاری کی رقم میں اضافہ کرنا پڑے 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۔