ہندوستان میں بہترین کارکردگی کا مظاہرہ کرنے والے SIP پلان 2022

Updated on May 14, 2026 , 200278 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۔

سیسٹیمیٹک انویسٹمنٹ پلان میں کیسے سرمایہ کاری کریں؟

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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 (%)
DSP World Gold Fund Growth	₹62.8692 ↓ -0.27	₹1,769	500	0.4	34.8	134.1	50.2	26.5	167.1
ICICI Prudential Infrastructure Fund Growth	₹197.51 ↓ -0.54	₹7,554	100	0.8	-1	4	22.8	25.1	6.7
SBI PSU Fund Growth	₹35.0808 ↓ -0.28	₹5,891	500	-2.2	3.1	12.1	29.9	25	11.3
DSP India T.I.G.E.R Fund Growth	₹348.218 ↑ 0.14	₹4,979	500	8.1	9.1	15.6	26.4	24.9	-2.5
LIC MF Infrastructure Fund Growth	₹52.0924 ↓ -0.14	₹905	1,000	3.8	4	11.3	27.7	24.8	-3.7
Nippon India Power and Infra Fund Growth	₹376.749 ↓ -2.26	₹6,534	100	8	6.2	11.2	26	24.8	-0.5
Canara Robeco Infrastructure Growth	₹167.76 ↓ -0.75	₹864	1,000	3.6	2.5	8.5	24.3	23.8	0.1
HDFC Infrastructure Fund Growth	₹46.731 ↓ -0.03	₹2,132	300	-1.3	-3.8	0.2	23.6	23.4	2.2
Franklin Build India Fund Growth	₹145.29 ↓ -0.33	₹2,858	500	-1.2	-0.2	5.5	24.4	23.3	3.7
Invesco India PSU Equity Fund Growth	₹65.33 ↓ -1.06	₹1,335	500	-2.7	-2.2	5.4	26.6	23.3	10.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 13 May 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	DSP World Gold Fund	ICICI Prudential Infrastructure Fund	SBI PSU Fund	DSP India T.I.G.E.R Fund	LIC MF Infrastructure Fund	Nippon India Power and Infra Fund	Canara Robeco Infrastructure	HDFC Infrastructure Fund	Franklin Build India Fund	Invesco India PSU Equity Fund
Point 1	Lower mid AUM (₹1,769 Cr).	Highest AUM (₹7,554 Cr).	Upper mid AUM (₹5,891 Cr).	Upper mid AUM (₹4,979 Cr).	Bottom quartile AUM (₹905 Cr).	Top quartile AUM (₹6,534 Cr).	Bottom quartile AUM (₹864 Cr).	Lower mid AUM (₹2,132 Cr).	Upper mid AUM (₹2,858 Cr).	Bottom quartile AUM (₹1,335 Cr).
Point 2	Established history (18+ yrs).	Established history (20+ yrs).	Established history (15+ yrs).	Established history (21+ yrs).	Established history (18+ yrs).	Oldest track record among peers (22 yrs).	Established history (20+ yrs).	Established history (18+ yrs).	Established history (16+ yrs).	Established history (16+ yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 3★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 4★ (top quartile).	Not Rated.	Rating: 4★ (upper mid).	Not Rated.	Rating: 3★ (lower mid).	Top rated.	Rating: 3★ (lower 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: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 26.54% (top quartile).	5Y return: 25.13% (top quartile).	5Y return: 24.97% (upper mid).	5Y return: 24.95% (upper mid).	5Y return: 24.83% (upper mid).	5Y return: 24.76% (lower mid).	5Y return: 23.84% (lower mid).	5Y return: 23.42% (bottom quartile).	5Y return: 23.34% (bottom quartile).	5Y return: 23.29% (bottom quartile).
Point 6	3Y return: 50.23% (top quartile).	3Y return: 22.80% (bottom quartile).	3Y return: 29.90% (top quartile).	3Y return: 26.38% (upper mid).	3Y return: 27.70% (upper mid).	3Y return: 26.01% (lower mid).	3Y return: 24.29% (bottom quartile).	3Y return: 23.59% (bottom quartile).	3Y return: 24.42% (lower mid).	3Y return: 26.64% (upper mid).
Point 7	1Y return: 134.05% (top quartile).	1Y return: 4.03% (bottom quartile).	1Y return: 12.06% (upper mid).	1Y return: 15.56% (top quartile).	1Y return: 11.30% (upper mid).	1Y return: 11.23% (upper mid).	1Y return: 8.53% (lower mid).	1Y return: 0.18% (bottom quartile).	1Y return: 5.46% (lower mid).	1Y return: 5.39% (bottom quartile).
Point 8	Alpha: 1.04 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: -1.15 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 2.02 (top quartile).	Alpha: -0.88 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (lower mid).	Alpha: -6.00 (bottom quartile).
Point 9	Sharpe: 2.16 (top quartile).	Sharpe: -0.38 (bottom quartile).	Sharpe: 0.27 (top quartile).	Sharpe: -0.01 (lower mid).	Sharpe: -0.01 (upper mid).	Sharpe: -0.19 (bottom quartile).	Sharpe: 0.01 (upper mid).	Sharpe: -0.48 (bottom quartile).	Sharpe: -0.11 (lower mid).	Sharpe: 0.01 (upper mid).
Point 10	Information ratio: -0.83 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: -0.31 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.34 (top quartile).	Information ratio: 0.38 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: -0.79 (bottom quartile).

DSP World Gold Fund

Lower mid AUM (₹1,769 Cr).
Established history (18+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 26.54% (top quartile).
3Y return: 50.23% (top quartile).
1Y return: 134.05% (top quartile).
Alpha: 1.04 (top quartile).
Sharpe: 2.16 (top quartile).
Information ratio: -0.83 (bottom quartile).

ICICI Prudential Infrastructure Fund

Highest AUM (₹7,554 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 25.13% (top quartile).
3Y return: 22.80% (bottom quartile).
1Y return: 4.03% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.38 (bottom quartile).
Information ratio: 0.00 (upper mid).

SBI PSU Fund

Upper mid AUM (₹5,891 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 24.97% (upper mid).
3Y return: 29.90% (top quartile).
1Y return: 12.06% (upper mid).
Alpha: -1.15 (bottom quartile).
Sharpe: 0.27 (top quartile).
Information ratio: -0.31 (bottom quartile).

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

Upper mid AUM (₹4,979 Cr).
Established history (21+ yrs).
Rating: 4★ (top quartile).
Risk profile: High.
5Y return: 24.95% (upper mid).
3Y return: 26.38% (upper mid).
1Y return: 15.56% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.01 (lower mid).
Information ratio: 0.00 (upper mid).

LIC MF Infrastructure Fund

Bottom quartile AUM (₹905 Cr).
Established history (18+ yrs).
Not Rated.
Risk profile: High.
5Y return: 24.83% (upper mid).
3Y return: 27.70% (upper mid).
1Y return: 11.30% (upper mid).
Alpha: 2.02 (top quartile).
Sharpe: -0.01 (upper mid).
Information ratio: 0.34 (top quartile).

Nippon India Power and Infra Fund

Top quartile AUM (₹6,534 Cr).
Oldest track record among peers (22 yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 24.76% (lower mid).
3Y return: 26.01% (lower mid).
1Y return: 11.23% (upper mid).
Alpha: -0.88 (bottom quartile).
Sharpe: -0.19 (bottom quartile).
Information ratio: 0.38 (top quartile).

Canara Robeco Infrastructure

Bottom quartile AUM (₹864 Cr).
Established history (20+ yrs).
Not Rated.
Risk profile: High.
5Y return: 23.84% (lower mid).
3Y return: 24.29% (bottom quartile).
1Y return: 8.53% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.01 (upper mid).
Information ratio: 0.00 (upper mid).

HDFC Infrastructure Fund

Lower mid AUM (₹2,132 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 23.42% (bottom quartile).
3Y return: 23.59% (bottom quartile).
1Y return: 0.18% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.48 (bottom quartile).
Information ratio: 0.00 (lower mid).

Franklin Build India Fund

Upper mid AUM (₹2,858 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: High.
5Y return: 23.34% (bottom quartile).
3Y return: 24.42% (lower mid).
1Y return: 5.46% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.11 (lower mid).
Information ratio: 0.00 (lower mid).

Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,335 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 23.29% (bottom quartile).
3Y return: 26.64% (upper mid).
1Y return: 5.39% (bottom quartile).
Alpha: -6.00 (bottom quartile).
Sharpe: 0.01 (upper mid).
Information ratio: -0.79 (bottom quartile).

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

1. DSP World Gold Fund

"The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized."

Research Highlights for DSP World Gold Fund

Lower mid AUM (₹1,769 Cr).
Established history (18+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 26.54% (top quartile).
3Y return: 50.23% (top quartile).
1Y return: 134.05% (top quartile).
Alpha: 1.04 (top quartile).
Sharpe: 2.16 (top quartile).
Information ratio: -0.83 (bottom quartile).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding BGF World Gold I2 (~68.7%).
Top-3 holdings concentration ~100.2%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (13 May 26)	₹62.8692 ↓ -0.27 (-0.42 %)
Net Assets (Cr)	₹1,769 on 31 Mar 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	2.16
Information Ratio	-0.83
Alpha Ratio	1.04
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
30 Apr 21	₹10,000
30 Apr 22	₹9,761
30 Apr 23	₹9,973
30 Apr 24	₹10,050
30 Apr 25	₹15,157
30 Apr 26	₹31,297

DSP World Gold Fund SIP Returns

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

Returns for DSP World Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 May 26

Duration	Returns
1 Month	-0.4%
3 Month	0.4%
6 Month	34.8%
1 Year	134.1%
3 Year	50.2%
5 Year	26.5%
10 Year
15 Year
Since launch	10.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	167.1%
2023	15.9%
2022	7%
2021	-7.7%
2020	-9%
2019	31.4%
2018	35.1%
2017	-10.7%
2016	-4%
2015	52.7%

Fund Manager information for DSP World Gold Fund

Name	Since	Tenure
Kaivalya Nadkarni	1 May 25	1 Yr.

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

Equity Sector Allocation

Sector	Value
Basic Materials	93.74%

Asset Allocation

Asset Class	Value
Cash	4.22%
Equity	93.74%
Debt	0.01%
Other	2.03%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	69%	₹1,216 Cr	1,063,805 ↓ -39,784
VanEck Gold Miners ETF - \| GDX	28%	₹498 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	3%	₹59 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹3 Cr

2. 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

Highest AUM (₹7,554 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 25.13% (top quartile).
3Y return: 22.80% (bottom quartile).
1Y return: 4.03% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.38 (bottom quartile).
Information ratio: 0.00 (upper mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding InterGlobe Aviation Ltd (~8.7%).

Below is the key information for ICICI Prudential Infrastructure Fund

ICICI Prudential Infrastructure Fund Growth
Launch Date	31 Aug 05
NAV (15 May 26)	₹197.51 ↓ -0.54 (-0.27 %)
Net Assets (Cr)	₹7,554 on 31 Mar 26
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.38
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
30 Apr 21	₹10,000
30 Apr 22	₹13,945
30 Apr 23	₹17,098
30 Apr 24	₹28,420
30 Apr 25	₹29,330
30 Apr 26	₹32,588

ICICI Prudential Infrastructure 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 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 13 May 26

Duration	Returns
1 Month	0.3%
3 Month	0.8%
6 Month	-1%
1 Year	4%
3 Year	22.8%
5 Year	25.1%
10 Year
15 Year
Since launch	15.5%

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	8.91 Yr.
Sharmila D’mello	30 Jun 22	3.84 Yr.

Data below for ICICI Prudential Infrastructure Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Industrials	47.14%
Financial Services	10.2%
Basic Materials	10.04%
Utility	9.84%
Real Estate	9.04%
Energy	6.55%
Consumer Cyclical	2.19%
Communication Services	0.09%

Asset Allocation

Asset Class	Value
Cash	4.96%
Equity	95.04%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
InterGlobe Aviation Ltd (Industrials) Equity, Since 28 Feb 23 \| INDIGO	9%	₹655 Cr	1,661,985 ↑ 270,536
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 09 \| LT	7%	₹528 Cr	1,505,704 ↑ 100,000
Oberoi Realty Ltd (Real Estate) Equity, Since 31 May 23 \| OBEROIRLTY	5%	₹374 Cr	2,636,802 ↑ 603,969
NTPC Ltd (Utilities) Equity, Since 29 Feb 16 \| 532555	5%	₹346 Cr	9,326,448
Shree Cement Ltd (Basic Materials) Equity, Since 30 Apr 24 \| 500387	3%	₹226 Cr	98,292 ↑ 33,738
Brigade Enterprises Ltd (Real Estate) Equity, Since 30 Nov 25 \| 532929	3%	₹219 Cr	3,363,877 ↑ 462,828
Container Corporation of India Ltd (Industrials) Equity, Since 31 Jan 16 \| CONCOR	3%	₹219 Cr	5,142,440 ↑ 2,109,364
Kalpataru Projects International Ltd (Industrials) Equity, Since 30 Sep 06 \| KPIL	3%	₹212 Cr	2,005,608 ↑ 73,641
AIA Engineering Ltd (Industrials) Equity, Since 28 Feb 21 \| AIAENG	3%	₹209 Cr	574,561
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 23 \| RELIANCE	3%	₹192 Cr	1,429,725 ↓ -100,000

3. 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 (₹5,891 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 24.97% (upper mid).
3Y return: 29.90% (top quartile).
1Y return: 12.06% (upper mid).
Alpha: -1.15 (bottom quartile).
Sharpe: 0.27 (top quartile).
Information ratio: -0.31 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~16.9%).
Top-3 holdings concentration ~35.7%.

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (15 May 26)	₹35.0808 ↓ -0.28 (-0.78 %)
Net Assets (Cr)	₹5,891 on 31 Mar 26
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0.27
Information Ratio	-0.31
Alpha Ratio	-1.15
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹12,442
30 Apr 23	₹14,701
30 Apr 24	₹28,843
30 Apr 25	₹28,304
30 Apr 26	₹32,952

SBI PSU 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 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 13 May 26

Duration	Returns
1 Month	-1.8%
3 Month	-2.2%
6 Month	3.1%
1 Year	12.1%
3 Year	29.9%
5 Year	25%
10 Year
15 Year
Since launch	8.2%

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	1.91 Yr.

Data below for SBI PSU Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Financial Services	31.44%
Utility	31.28%
Industrials	13.3%
Energy	12.65%
Basic Materials	6.77%

Asset Allocation

Asset Class	Value
Cash	4.48%
Equity	95.45%
Debt	0.07%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	17%	₹1,125 Cr	10,527,500 ↑ 600,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| 532898	10%	₹635 Cr	19,935,554
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| 532155	9%	₹623 Cr	38,150,000
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| 532555	9%	₹616 Cr	15,443,244
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	9%	₹577 Cr	13,385,000
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 31 May 20 \| 500312	7%	₹439 Cr	14,655,000 ↑ 1,100,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| 532134	5%	₹345 Cr	13,100,000
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| 500547	4%	₹291 Cr	9,700,000
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| 526371	4%	₹252 Cr	27,900,000
Bharat Heavy Electricals Ltd (Industrials) Equity, Since 30 Jun 25 \| 500103	3%	₹229 Cr	6,500,000

4. 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

Upper mid AUM (₹4,979 Cr).
Established history (21+ yrs).
Rating: 4★ (top quartile).
Risk profile: High.
5Y return: 24.95% (upper mid).
3Y return: 26.38% (upper mid).
1Y return: 15.56% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.01 (lower mid).
Information ratio: 0.00 (upper mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding NTPC 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 (15 May 26)	₹348.218 ↑ 0.14 (0.04 %)
Net Assets (Cr)	₹4,979 on 31 Mar 26
Category	Equity - Sectoral
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.01
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
30 Apr 21	₹10,000
30 Apr 22	₹13,155
30 Apr 23	₹15,074
30 Apr 24	₹26,536
30 Apr 25	₹25,993
30 Apr 26	₹31,048

DSP India T.I.G.E.R 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 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 13 May 26

Duration	Returns
1 Month	4.5%
3 Month	8.1%
6 Month	9.1%
1 Year	15.6%
3 Year	26.4%
5 Year	24.9%
10 Year
15 Year
Since launch	17.6%

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	15.87 Yr.

Data below for DSP India T.I.G.E.R Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Industrials	27.68%
Basic Materials	13.33%
Financial Services	13%
Utility	11.64%
Consumer Cyclical	8.63%
Energy	7.37%
Health Care	6.56%
Communication Services	3.04%
Real Estate	1.51%
Technology	1.43%
Consumer Defensive	0.96%

Asset Allocation

Asset Class	Value
Cash	4.85%
Equity	95.15%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
NTPC Ltd (Utilities) Equity, Since 30 Nov 17 \| 532555	5%	₹262 Cr	7,063,207
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 31 Dec 24 \| APOLLOHOSP	4%	₹224 Cr	301,630
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 04 \| LT	4%	₹206 Cr	588,665 ↓ -89,980
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 31 May 25 \| MCX	3%	₹163 Cr	680,825
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 18 \| BHARTIARTL	3%	₹151 Cr	849,969 ↑ 37,224
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Dec 24 \| AMBER	3%	₹144 Cr	219,234
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jan 25 \| 532898	3%	₹139 Cr	4,694,365 ↓ -873,209
Coal India Ltd (Energy) Equity, Since 31 Dec 23 \| COALINDIA	2%	₹122 Cr	2,705,180
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 31 Mar 24 \| 500312	2%	₹119 Cr	4,196,344
Kirloskar Oil Engines Ltd (Industrials) Equity, Since 31 Mar 23 \| KIRLOSENG	2%	₹111 Cr	834,973 ↓ -195,952

5. LIC MF Infrastructure Fund

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

Research Highlights for LIC MF Infrastructure Fund

Bottom quartile AUM (₹905 Cr).
Established history (18+ yrs).
Not Rated.
Risk profile: High.
5Y return: 24.83% (upper mid).
3Y return: 27.70% (upper mid).
1Y return: 11.30% (upper mid).
Alpha: 2.02 (top quartile).
Sharpe: -0.01 (upper mid).
Information ratio: 0.34 (top quartile).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~93%).
Largest holding Bharti Airtel Ltd (~5.1%).

Below is the key information for LIC MF Infrastructure Fund

LIC MF Infrastructure Fund Growth
Launch Date	29 Feb 08
NAV (15 May 26)	₹52.0924 ↓ -0.14 (-0.28 %)
Net Assets (Cr)	₹905 on 31 Mar 26
Category	Equity - Sectoral
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	Not Rated
Risk	High
Expense Ratio	2.21
Sharpe Ratio	-0.01
Information Ratio	0.34
Alpha Ratio	2.02
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
30 Apr 21	₹10,000
30 Apr 22	₹13,207
30 Apr 23	₹14,269
30 Apr 24	₹24,631
30 Apr 25	₹25,613
30 Apr 26	₹30,460

LIC MF Infrastructure 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 LIC MF Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 May 26

Duration	Returns
1 Month	3.2%
3 Month	3.8%
6 Month	4%
1 Year	11.3%
3 Year	27.7%
5 Year	24.8%
10 Year
15 Year
Since launch	9.5%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for LIC MF Infrastructure Fund

Name	Since	Tenure
Sumit Bhatnagar	7 Apr 26	0.07 Yr.
Mahesh Bendre	1 Jul 24	1.83 Yr.

Data below for LIC MF Infrastructure Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Industrials	32.59%
Consumer Cyclical	24.07%
Utility	9.79%
Basic Materials	9.21%
Communication Services	7.33%
Financial Services	4.31%
Health Care	3.19%
Real Estate	2.12%
Technology	0.79%

Asset Allocation

Asset Class	Value
Cash	6.6%
Equity	93.4%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 09 \| BHARTIARTL	5%	₹53 Cr	281,826 ↑ 118,739
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Apr 09 \| LT	5%	₹47 Cr	117,852 ↑ 2,505
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Sep 25 \| MARUTI	4%	₹45 Cr	33,850 ↑ 22,497
Tata Motors Passenger Vehicles Ltd (Consumer Cyclical) Equity, Since 28 Feb 26 \| TMPV	4%	₹45 Cr	1,315,651 ↑ 461,129
Tata Motors Ltd (Consumer Cyclical) Equity, Since 31 Oct 25 \| TMCV	4%	₹41 Cr	988,950 ↑ 422,131
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 30 Jun 25 \| APOLLOHOSP	3%	₹33 Cr	43,676 ↑ 928
NTPC Ltd (Utilities) Equity, Since 31 Mar 23 \| 532555	3%	₹33 Cr	821,696 ↑ 17,465
Carraro India Ltd (Consumer Cyclical) Equity, Since 31 Dec 24 \| CARRARO	3%	₹32 Cr	572,991 ↑ 155,777
Garware Hi-Tech Films Ltd (Basic Materials) Equity, Since 31 Aug 23 \| 500655	3%	₹29 Cr	73,009 ↑ 1,551
Bharat Bijlee Ltd (Industrials) Equity, Since 31 Jul 22 \| BBL	3%	₹29 Cr	92,628 ↑ 1,968

6. 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

Top quartile AUM (₹6,534 Cr).
Oldest track record among peers (22 yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 24.76% (lower mid).
3Y return: 26.01% (lower mid).
1Y return: 11.23% (upper mid).
Alpha: -0.88 (bottom quartile).
Sharpe: -0.19 (bottom quartile).
Information ratio: 0.38 (top quartile).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Reliance Industries Ltd (~8.7%).

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 (15 May 26)	₹376.749 ↓ -2.26 (-0.60 %)
Net Assets (Cr)	₹6,534 on 31 Mar 26
Category	Equity - Sectoral
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.85
Sharpe Ratio	-0.19
Information Ratio	0.38
Alpha Ratio	-0.88
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
30 Apr 21	₹10,000
30 Apr 22	₹12,756
30 Apr 23	₹15,368
30 Apr 24	₹27,201
30 Apr 25	₹27,073
30 Apr 26	₹31,533

Nippon India Power and Infra 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 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 13 May 26

Duration	Returns
1 Month	4.3%
3 Month	8%
6 Month	6.2%
1 Year	11.2%
3 Year	26%
5 Year	24.8%
10 Year
15 Year
Since launch	17.9%

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	7.94 Yr.
Rahul Modi	19 Aug 24	1.7 Yr.
Amber Singhania	11 Mar 26	0.14 Yr.

Data below for Nippon India Power and Infra Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Industrials	35.15%
Utility	22.71%
Consumer Cyclical	10.87%
Energy	10.01%
Basic Materials	6.11%
Technology	4.98%
Financial Services	3.58%
Health Care	2.11%
Communication Services	2.08%
Real Estate	1.65%

Asset Allocation

Asset Class	Value
Cash	0.74%
Equity	99.26%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 18 \| RELIANCE	9%	₹667 Cr	4,660,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 07 \| LT	7%	₹541 Cr	1,346,958 ↑ 182,621
NTPC Ltd (Utilities) Equity, Since 31 May 09 \| 532555	7%	₹525 Cr	13,154,060 ↓ -645,940
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	4%	₹288 Cr	26,191,079 ↑ 1,700,000
Tata Power Co Ltd (Utilities) Equity, Since 30 Apr 23 \| 500400	3%	₹265 Cr	5,950,789 ↓ -1,650,000
Bharat Heavy Electricals Ltd (Industrials) Equity, Since 30 Sep 24 \| 500103	3%	₹245 Cr	6,948,468 ↑ 100,000
CG Power & Industrial Solutions Ltd (Industrials) Equity, Since 30 Sep 24 \| 500093	2%	₹176 Cr	2,170,014 ↓ -550,000
Triveni Turbine Ltd (Industrials) Equity, Since 30 Jun 25 \| 533655	2%	₹176 Cr	3,073,288 ↑ 60,249
Power Finance Corp Ltd (Financial Services) Equity, Since 31 Oct 24 \| 532810	2%	₹175 Cr	3,900,000 ↑ 300,000
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Oct 19 \| 532538	2%	₹174 Cr	150,000

7. Canara Robeco Infrastructure

T o g e n e r a t e income/capital appreciation by investing in equities and equity related instruments of companies in the infrastructure sector. However, there can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for Canara Robeco Infrastructure

Bottom quartile AUM (₹864 Cr).
Established history (20+ yrs).
Not Rated.
Risk profile: High.
5Y return: 23.84% (lower mid).
3Y return: 24.29% (bottom quartile).
1Y return: 8.53% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.01 (upper mid).
Information ratio: 0.00 (upper mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Larsen & Toubro Ltd (~9.5%).

Below is the key information for Canara Robeco Infrastructure

Canara Robeco Infrastructure Growth
Launch Date	2 Dec 05
NAV (15 May 26)	₹167.76 ↓ -0.75 (-0.45 %)
Net Assets (Cr)	₹864 on 31 Mar 26
Category	Equity - Sectoral
AMC	Canara Robeco Asset Management Co. Ltd.
Rating	Not Rated
Risk	High
Expense Ratio	2.32
Sharpe Ratio	0.01
Information Ratio	0
Alpha Ratio	0
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
30 Apr 21	₹10,000
30 Apr 22	₹13,181
30 Apr 23	₹14,959
30 Apr 24	₹24,460
30 Apr 25	₹26,002
30 Apr 26	₹30,191

Canara Robeco Infrastructure SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623 Invest Now

Returns for Canara Robeco Infrastructure

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 May 26

Duration	Returns
1 Month	0.4%
3 Month	3.6%
6 Month	2.5%
1 Year	8.5%
3 Year	24.3%
5 Year	23.8%
10 Year
15 Year
Since launch	14.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	0.1%
2023	35.3%
2022	41.2%
2021	9%
2020	56.1%
2019	9%
2018	2.3%
2017	-19.1%
2016	40.2%
2015	2.1%

Fund Manager information for Canara Robeco Infrastructure

Name	Since	Tenure
Vishal Mishra	26 Jun 21	4.85 Yr.
Shridatta Bhandwaldar	29 Sep 18	7.59 Yr.

Data below for Canara Robeco Infrastructure as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Industrials	46.61%
Utility	13.19%
Basic Materials	10.47%
Energy	7.67%
Financial Services	7.17%
Technology	3.55%
Communication Services	3.08%
Consumer Cyclical	2.91%
Real Estate	1.1%

Asset Allocation

Asset Class	Value
Cash	4.24%
Equity	95.76%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 28 Feb 11 \| LT	9%	₹93 Cr	232,901 ↑ 15,000
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 22 \| RELIANCE	5%	₹45 Cr	313,750 ↑ 19,500
CG Power & Industrial Solutions Ltd (Industrials) Equity, Since 31 Oct 23 \| 500093	4%	₹43 Cr	525,650 ↑ 50,000
NTPC Ltd (Utilities) Equity, Since 30 Nov 18 \| 532555	4%	₹43 Cr	1,066,480 ↓ -40,000
State Bank of India (Financial Services) Equity, Since 31 Jul 24 \| SBIN	4%	₹41 Cr	386,500 ↑ 62,500
Tata Power Co Ltd (Utilities) Equity, Since 30 Sep 24 \| 500400	4%	₹39 Cr	870,000
Bharat Electronics Ltd (Industrials) Equity, Since 31 Jul 19 \| BEL	4%	₹37 Cr	869,000
Cummins India Ltd (Industrials) Equity, Since 31 Jul 24 \| 500480	3%	₹31 Cr	58,500
Bharti Airtel Ltd (Communication Services) Equity, Since 31 May 24 \| BHARTIARTL	3%	₹30 Cr	161,600 ↑ 15,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Oct 09 \| 532898	3%	₹30 Cr	932,546 ↓ -75,000

8. 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

Lower mid AUM (₹2,132 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 23.42% (bottom quartile).
3Y return: 23.59% (bottom quartile).
1Y return: 0.18% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.48 (bottom quartile).
Information ratio: 0.00 (lower mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding Larsen & Toubro Ltd (~7.1%).

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund Growth
Launch Date	10 Mar 08
NAV (15 May 26)	₹46.731 ↓ -0.03 (-0.06 %)
Net Assets (Cr)	₹2,132 on 31 Mar 26
Category	Equity - Sectoral
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	2.06
Sharpe Ratio	-0.48
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
30 Apr 21	₹10,000
30 Apr 22	₹13,193
30 Apr 23	₹15,432
30 Apr 24	₹28,143
30 Apr 25	₹28,206
30 Apr 26	₹30,023

HDFC Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623 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 13 May 26

Duration	Returns
1 Month	0.8%
3 Month	-1.3%
6 Month	-3.8%
1 Year	0.2%
3 Year	23.6%
5 Year	23.4%
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	2.86 Yr.
Ashish Shah	1 Nov 25	0.5 Yr.

Data below for HDFC Infrastructure Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Industrials	40%
Financial Services	16.54%
Utility	10.14%
Basic Materials	9.57%
Energy	9.09%
Communication Services	4.4%
Real Estate	3.32%
Health Care	2.59%
Technology	1.4%
Consumer Cyclical	0.76%

Asset Allocation

Asset Class	Value
Cash	2.2%
Equity	97.8%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 12 \| LT	7%	₹151 Cr	431,000 ↑ 27,500
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	6%	₹133 Cr	1,100,000
NTPC Ltd (Utilities) Equity, Since 31 Dec 17 \| 532555	4%	₹83 Cr	2,250,000 ↑ 50,000
Kalpataru Projects International Ltd (Industrials) Equity, Since 31 Jan 23 \| KPIL	4%	₹82 Cr	778,285
Reliance Industries Ltd (Energy) Equity, Since 31 May 24 \| RELIANCE	3%	₹71 Cr	530,000 ↑ 30,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 30 Apr 24 \| 532898	3%	₹71 Cr	2,400,000 ↑ 800,000
Coal India Ltd (Energy) Equity, Since 31 Oct 18 \| COALINDIA	3%	₹63 Cr	1,400,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 20 \| BHARTIARTL	3%	₹62 Cr	350,000
J Kumar Infraprojects Ltd (Industrials) Equity, Since 31 Oct 15 \| JKIL	3%	₹60 Cr	1,400,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Dec 21 \| INDIGO	3%	₹54 Cr	137,000 ↓ -13,000

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

Upper mid AUM (₹2,858 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: High.
5Y return: 23.34% (bottom quartile).
3Y return: 24.42% (lower mid).
1Y return: 5.46% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.11 (lower mid).
Information ratio: 0.00 (lower mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding Larsen & Toubro Ltd (~7.4%).

Below is the key information for Franklin Build India Fund

Franklin Build India Fund Growth
Launch Date	4 Sep 09
NAV (15 May 26)	₹145.29 ↓ -0.33 (-0.23 %)
Net Assets (Cr)	₹2,858 on 31 Mar 26
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	2.01
Sharpe Ratio	-0.11
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
30 Apr 21	₹10,000
30 Apr 22	₹12,746
30 Apr 23	₹14,773
30 Apr 24	₹26,326
30 Apr 25	₹26,665
30 Apr 26	₹29,695

Franklin Build India Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623 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 13 May 26

Duration	Returns
1 Month	-0.4%
3 Month	-1.2%
6 Month	-0.2%
1 Year	5.5%
3 Year	24.4%
5 Year	23.3%
10 Year
15 Year
Since launch	17.4%

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	4.54 Yr.
Kiran Sebastian	7 Feb 22	4.23 Yr.
Sandeep Manam	18 Oct 21	4.54 Yr.

Data below for Franklin Build India Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Industrials	31.88%
Utility	16.03%
Financial Services	14.02%
Energy	13.73%
Communication Services	7.21%
Basic Materials	7.11%
Real Estate	2.27%
Consumer Cyclical	1.15%
Technology	1.04%

Asset Allocation

Asset Class	Value
Cash	5.57%
Equity	94.43%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 29 Feb 20 \| LT	7%	₹210 Cr	600,000 ↓ -65,000
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 30 Jun 19 \| 500312	7%	₹194 Cr	6,825,000
Reliance Industries Ltd (Energy) Equity, Since 31 Oct 21 \| RELIANCE	6%	₹169 Cr	1,260,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 29 Feb 20 \| INDIGO	6%	₹166 Cr	420,000
NTPC Ltd (Utilities) Equity, Since 30 Nov 16 \| 532555	6%	₹163 Cr	4,400,000 ↑ 421,273
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 09 \| BHARTIARTL	4%	₹127 Cr	710,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 28 Feb 21 \| 532898	4%	₹121 Cr	4,100,000 ↑ 500,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 25 \| HDFCBANK	4%	₹119 Cr	1,625,000 ↑ 125,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 12 \| 532215	4%	₹116 Cr	1,000,000
Tata Power Co Ltd (Utilities) Equity, Since 31 Jan 25 \| 500400	3%	₹83 Cr	2,200,000 ↑ 200,000

10. 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 (₹1,335 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 23.29% (bottom quartile).
3Y return: 26.64% (upper mid).
1Y return: 5.39% (bottom quartile).
Alpha: -6.00 (bottom quartile).
Sharpe: 0.01 (upper mid).
Information ratio: -0.79 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding State Bank of India (~8.6%).

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund Growth
Launch Date	18 Nov 09
NAV (15 May 26)	₹65.33 ↓ -1.06 (-1.60 %)
Net Assets (Cr)	₹1,335 on 31 Mar 26
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.14
Sharpe Ratio	0.01
Information Ratio	-0.79
Alpha Ratio	-6
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
30 Apr 21	₹10,000
30 Apr 22	₹12,101
30 Apr 23	₹14,364
30 Apr 24	₹26,853
30 Apr 25	₹26,997
30 Apr 26	₹30,338

Invesco India PSU Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623 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 13 May 26

Duration	Returns
1 Month	-3%
3 Month	-2.7%
6 Month	-2.2%
1 Year	5.4%
3 Year	26.6%
5 Year	23.3%
10 Year
15 Year
Since launch	12.1%

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	0.83 Yr.
Sagar Gandhi	1 Jul 25	0.83 Yr.

Data below for Invesco India PSU Equity Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Financial Services	30.35%
Industrials	28.06%
Utility	19.53%
Energy	13.58%
Basic Materials	3.6%
Consumer Cyclical	1.41%

Asset Allocation

Asset Class	Value
Cash	3.47%
Equity	96.53%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	9%	₹115 Cr	1,171,232
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| 532814	7%	₹98 Cr	1,157,444
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| HAL	7%	₹91 Cr	261,137
Bharat Petroleum Corp Ltd (Energy) Equity, Since 30 Sep 18 \| 500547	6%	₹86 Cr	3,076,024 ↑ 359,015
Bharat Electronics Ltd (Industrials) Equity, Since 31 Mar 17 \| BEL	6%	₹83 Cr	2,078,629 ↓ -237,890
NTPC Ltd (Utilities) Equity, Since 31 May 19 \| 532555	5%	₹67 Cr	1,801,543
Bank of Baroda (Financial Services) Equity, Since 30 Jun 21 \| 532134	5%	₹65 Cr	2,611,219 ↑ 133,663
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	5%	₹63 Cr	6,852,914 ↓ -2,276,906
REC Ltd (Financial Services) Equity, Since 31 Aug 23 \| 532955	4%	₹52 Cr	1,703,577
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 31 Aug 24 \| 500312	4%	₹52 Cr	1,821,612

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۔