ہندوستان میں بہترین کارکردگی کا مظاہرہ کرنے والے SIP پلان 2022

Updated on September 26, 2025 , 197895 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 (%)
ICICI Prudential Infrastructure Fund Growth	₹192.93 ↓ -2.22	₹7,645	100	-2.7	8.7	-4.6	29.2	37.1	27.4
HDFC Infrastructure Fund Growth	₹47.115 ↑ 0.04	₹2,483	300	-2.1	9.2	-6.2	28.9	34.3	23
Franklin Build India Fund Growth	₹140.601 ↑ 0.22	₹2,884	500	-1.4	9.7	-5.3	28.4	34.1	27.8
DSP India T.I.G.E.R Fund Growth	₹309.89 ↓ -0.77	₹5,303	500	-1.7	9.7	-10.2	26.8	33.7	32.4
Bandhan Infrastructure Fund Growth	₹49.038 ↓ -0.03	₹1,613	100	-4.3	8.1	-12.3	27.3	33.5	39.3
Motilal Oswal Midcap 30 Fund Growth	₹98.7303 ↓ -0.79	₹34,780	500	-3.7	7.4	-6.8	25	32.8	57.1
LIC MF Infrastructure Fund Growth	₹49.0676 ↑ 0.01	₹995	1,000	-2.7	12.9	-4.7	28.7	32.3	47.8
Canara Robeco Infrastructure Growth	₹160.61 ↑ 0.06	₹889	1,000	-0.4	11.7	-5	25.8	32.3	35.3
Nippon India Small Cap Fund Growth	₹166.038 ↓ -0.24	₹64,821	100	-2.9	11.3	-8.6	23.4	32.2	26.1
SBI PSU Fund Growth	₹32.0734 ↑ 0.43	₹5,179	500	-1.6	7.3	-6.1	32.3	32.1	23.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 26 Sep 25

Research Highlights & Commentary of 10 Funds showcased

Commentary	ICICI Prudential Infrastructure Fund	HDFC Infrastructure Fund	Franklin Build India Fund	DSP India T.I.G.E.R Fund	Bandhan Infrastructure Fund	Motilal Oswal Midcap 30 Fund	LIC MF Infrastructure Fund	Canara Robeco Infrastructure	Nippon India Small Cap Fund	SBI PSU Fund
Point 1	Upper mid AUM (₹7,645 Cr).	Lower mid AUM (₹2,483 Cr).	Lower mid AUM (₹2,884 Cr).	Upper mid AUM (₹5,303 Cr).	Bottom quartile AUM (₹1,613 Cr).	Top quartile AUM (₹34,780 Cr).	Bottom quartile AUM (₹995 Cr).	Bottom quartile AUM (₹889 Cr).	Highest AUM (₹64,821 Cr).	Upper mid AUM (₹5,179 Cr).
Point 2	Established history (20+ yrs).	Established history (17+ yrs).	Established history (16+ yrs).	Oldest track record among peers (21 yrs).	Established history (14+ yrs).	Established history (11+ yrs).	Established history (17+ yrs).	Established history (19+ yrs).	Established history (15+ yrs).	Established history (15+ yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Top rated.	Rating: 4★ (upper mid).	Rating: 5★ (top quartile).	Rating: 3★ (lower mid).	Not Rated.	Not Rated.	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.
Point 5	5Y return: 37.06% (top quartile).	5Y return: 34.34% (top quartile).	5Y return: 34.10% (upper mid).	5Y return: 33.68% (upper mid).	5Y return: 33.50% (upper mid).	5Y return: 32.75% (lower mid).	5Y return: 32.32% (lower mid).	5Y return: 32.31% (bottom quartile).	5Y return: 32.24% (bottom quartile).	5Y return: 32.15% (bottom quartile).
Point 6	3Y return: 29.25% (top quartile).	3Y return: 28.87% (upper mid).	3Y return: 28.43% (upper mid).	3Y return: 26.82% (lower mid).	3Y return: 27.34% (lower mid).	3Y return: 25.03% (bottom quartile).	3Y return: 28.73% (upper mid).	3Y return: 25.82% (bottom quartile).	3Y return: 23.36% (bottom quartile).	3Y return: 32.30% (top quartile).
Point 7	1Y return: -4.60% (top quartile).	1Y return: -6.17% (lower mid).	1Y return: -5.33% (upper mid).	1Y return: -10.22% (bottom quartile).	1Y return: -12.33% (bottom quartile).	1Y return: -6.75% (lower mid).	1Y return: -4.73% (top quartile).	1Y return: -5.01% (upper mid).	1Y return: -8.58% (bottom quartile).	1Y return: -6.08% (upper mid).
Point 8	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 4.99 (top quartile).	Alpha: -1.71 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: -2.55 (bottom quartile).	Alpha: -0.35 (bottom quartile).
Point 9	Sharpe: -0.48 (upper mid).	Sharpe: -0.64 (upper mid).	Sharpe: -0.64 (lower mid).	Sharpe: -0.71 (bottom quartile).	Sharpe: -0.71 (bottom quartile).	Sharpe: -0.18 (top quartile).	Sharpe: -0.46 (upper mid).	Sharpe: -0.41 (top quartile).	Sharpe: -0.65 (lower mid).	Sharpe: -0.81 (bottom quartile).
Point 10	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.57 (top quartile).	Information ratio: 0.34 (top quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.10 (upper mid).	Information ratio: -0.37 (bottom quartile).

ICICI Prudential Infrastructure Fund

Upper mid AUM (₹7,645 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 37.06% (top quartile).
3Y return: 29.25% (top quartile).
1Y return: -4.60% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: -0.48 (upper mid).
Information ratio: 0.00 (upper mid).

HDFC Infrastructure Fund

Lower mid AUM (₹2,483 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 34.34% (top quartile).
3Y return: 28.87% (upper mid).
1Y return: -6.17% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.64 (upper mid).
Information ratio: 0.00 (upper mid).

Franklin Build India Fund

Lower mid AUM (₹2,884 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: High.
5Y return: 34.10% (upper mid).
3Y return: 28.43% (upper mid).
1Y return: -5.33% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.64 (lower mid).
Information ratio: 0.00 (lower mid).

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

Upper mid AUM (₹5,303 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 33.68% (upper mid).
3Y return: 26.82% (lower mid).
1Y return: -10.22% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.71 (bottom quartile).
Information ratio: 0.00 (lower mid).

Bandhan Infrastructure Fund

Bottom quartile AUM (₹1,613 Cr).
Established history (14+ yrs).
Rating: 5★ (top quartile).
Risk profile: High.
5Y return: 33.50% (upper mid).
3Y return: 27.34% (lower mid).
1Y return: -12.33% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.71 (bottom quartile).
Information ratio: 0.00 (bottom quartile).

Motilal Oswal Midcap 30 Fund

Top quartile AUM (₹34,780 Cr).
Established history (11+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 32.75% (lower mid).
3Y return: 25.03% (bottom quartile).
1Y return: -6.75% (lower mid).
Alpha: 4.99 (top quartile).
Sharpe: -0.18 (top quartile).
Information ratio: 0.57 (top quartile).

LIC MF Infrastructure Fund

Bottom quartile AUM (₹995 Cr).
Established history (17+ yrs).
Not Rated.
Risk profile: High.
5Y return: 32.32% (lower mid).
3Y return: 28.73% (upper mid).
1Y return: -4.73% (top quartile).
Alpha: -1.71 (bottom quartile).
Sharpe: -0.46 (upper mid).
Information ratio: 0.34 (top quartile).

Canara Robeco Infrastructure

Bottom quartile AUM (₹889 Cr).
Established history (19+ yrs).
Not Rated.
Risk profile: High.
5Y return: 32.31% (bottom quartile).
3Y return: 25.82% (bottom quartile).
1Y return: -5.01% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.41 (top quartile).
Information ratio: 0.00 (bottom quartile).

Nippon India Small Cap Fund

Highest AUM (₹64,821 Cr).
Established history (15+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 32.24% (bottom quartile).
3Y return: 23.36% (bottom quartile).
1Y return: -8.58% (bottom quartile).
Alpha: -2.55 (bottom quartile).
Sharpe: -0.65 (lower mid).
Information ratio: 0.10 (upper mid).

SBI PSU Fund

Upper mid AUM (₹5,179 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 32.15% (bottom quartile).
3Y return: 32.30% (top quartile).
1Y return: -6.08% (upper mid).
Alpha: -0.35 (bottom quartile).
Sharpe: -0.81 (bottom quartile).
Information ratio: -0.37 (bottom quartile).

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

1. 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 (₹7,645 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 37.06% (top quartile).
3Y return: 29.25% (top quartile).
1Y return: -4.60% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: -0.48 (upper mid).
Information ratio: 0.00 (upper mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~93%).
High-quality debt (AAA/AA ~100%).
Largest holding Larsen & Toubro Ltd (~9.2%).

Below is the key information for ICICI Prudential Infrastructure Fund

ICICI Prudential Infrastructure Fund Growth
Launch Date	31 Aug 05
NAV (26 Sep 25)	₹192.93 ↓ -2.22 (-1.14 %)
Net Assets (Cr)	₹7,645 on 31 Aug 25
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.48
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 Aug 20	₹10,000
31 Aug 21	₹17,110
31 Aug 22	₹20,943
31 Aug 23	₹27,806
31 Aug 24	₹44,803
31 Aug 25	₹43,202

ICICI Prudential Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹756,118.
Net Profit of ₹456,118 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 26 Sep 25

Duration	Returns
1 Month	0.6%
3 Month	-2.7%
6 Month	8.7%
1 Year	-4.6%
3 Year	29.2%
5 Year	37.1%
10 Year
15 Year
Since launch	15.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	27.4%
2023	44.6%
2022	28.8%
2021	50.1%
2020	3.6%
2019	2.6%
2018	-14%
2017	40.8%
2016	2%
2015	-3.4%

Fund Manager information for ICICI Prudential Infrastructure Fund

Name	Since	Tenure
Ihab Dalwai	3 Jun 17	8.25 Yr.
Sharmila D’mello	30 Jun 22	3.17 Yr.

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

Equity Sector Allocation

Sector	Value
Industrials	38.31%
Basic Materials	15.82%
Financial Services	15.42%
Utility	10.35%
Energy	7.15%
Real Estate	2.9%
Consumer Cyclical	1.92%
Communication Services	1.08%

Asset Allocation

Asset Class	Value
Cash	7.04%
Equity	92.96%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 09 \| LT	9%	₹727 Cr	1,998,954 ↑ 18,750
NTPC Ltd (Utilities) Equity, Since 29 Feb 16 \| 532555	5%	₹370 Cr	11,079,473 ↑ 400,000
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 May 24 \| ADANIPORTS	4%	₹312 Cr	2,268,659
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 23 \| RELIANCE	4%	₹282 Cr	2,029,725 ↑ 100,000
NCC Ltd (Industrials) Equity, Since 31 Aug 21 \| NCC	3%	₹273 Cr	12,522,005
Vedanta Ltd (Basic Materials) Equity, Since 31 Jul 24 \| 500295	3%	₹267 Cr	6,279,591 ↑ 120,841
AIA Engineering Ltd (Industrials) Equity, Since 28 Feb 21 \| AIAENG	3%	₹207 Cr	660,770
Kalpataru Projects International Ltd (Industrials) Equity, Since 30 Sep 06 \| KPIL	3%	₹207 Cr	1,803,566
Axis Bank Ltd (Financial Services) Equity, Since 31 Dec 20 \| 532215	3%	₹203 Cr	1,896,057
CESC Ltd (Utilities) Equity, Since 30 Jun 23 \| CESC	2%	₹198 Cr	11,700,502 ↓ -300,000

2. 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 (₹2,483 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 34.34% (top quartile).
3Y return: 28.87% (upper mid).
1Y return: -6.17% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.64 (upper mid).
Information ratio: 0.00 (upper mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~93%).
Largest holding ICICI Bank Ltd (~7.6%).

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund Growth
Launch Date	10 Mar 08
NAV (29 Sep 25)	₹47.115 ↑ 0.04 (0.08 %)
Net Assets (Cr)	₹2,483 on 31 Aug 25
Category	Equity - Sectoral
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	2.06
Sharpe Ratio	-0.64
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 Aug 20	₹10,000
31 Aug 21	₹16,545
31 Aug 22	₹19,604
31 Aug 23	₹26,941
31 Aug 24	₹42,708
31 Aug 25	₹39,954

HDFC Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹705,310.
Net Profit of ₹405,310 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 26 Sep 25

Duration	Returns
1 Month	0.3%
3 Month	-2.1%
6 Month	9.2%
1 Year	-6.2%
3 Year	28.9%
5 Year	34.3%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23%
2023	55.4%
2022	19.3%
2021	43.2%
2020	-7.5%
2019	-3.4%
2018	-29%
2017	43.3%
2016	-1.9%
2015	-2.5%

Fund Manager information for HDFC Infrastructure Fund

Name	Since	Tenure
Srinivasan Ramamurthy	12 Jan 24	1.64 Yr.
Dhruv Muchhal	22 Jun 23	2.2 Yr.

Data below for HDFC Infrastructure Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Industrials	38.91%
Financial Services	20.57%
Basic Materials	10.46%
Utility	6.9%
Energy	6.37%
Communication Services	3.71%
Real Estate	2.25%
Health Care	1.77%
Technology	1.36%
Consumer Cyclical	0.47%

Asset Allocation

Asset Class	Value
Cash	7.23%
Equity	92.77%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	8%	₹193 Cr	1,300,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Aug 23 \| HDFCBANK	6%	₹141 Cr	700,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 12 \| LT	5%	₹138 Cr	380,000
J Kumar Infraprojects Ltd (Industrials) Equity, Since 31 Oct 15 \| JKIL	4%	₹99 Cr	1,400,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Dec 21 \| INDIGO	3%	₹89 Cr	150,000
Kalpataru Projects International Ltd (Industrials) Equity, Since 31 Jan 23 \| KPIL	3%	₹87 Cr	758,285
NTPC Ltd (Utilities) Equity, Since 31 Dec 17 \| 532555	3%	₹74 Cr	2,200,000
Reliance Industries Ltd (Energy) Equity, Since 31 May 24 \| RELIANCE	3%	₹70 Cr	500,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 20 \| BHARTIARTL	3%	₹67 Cr	350,000
G R Infraprojects Ltd (Industrials) Equity, Since 31 Jul 21 \| 543317	2%	₹57 Cr	470,000

3. 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 (₹2,884 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: High.
5Y return: 34.10% (upper mid).
3Y return: 28.43% (upper mid).
1Y return: -5.33% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.64 (lower mid).
Information ratio: 0.00 (lower mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Larsen & Toubro Ltd (~8.2%).

Below is the key information for Franklin Build India Fund

Franklin Build India Fund Growth
Launch Date	4 Sep 09
NAV (29 Sep 25)	₹140.601 ↑ 0.22 (0.16 %)
Net Assets (Cr)	₹2,884 on 31 Aug 25
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	2.01
Sharpe Ratio	-0.64
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹17,164
31 Aug 22	₹19,308
31 Aug 23	₹25,108
31 Aug 24	₹41,493
31 Aug 25	₹38,961

Franklin Build India Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹705,310.
Net Profit of ₹405,310 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 26 Sep 25

Duration	Returns
1 Month	0.6%
3 Month	-1.4%
6 Month	9.7%
1 Year	-5.3%
3 Year	28.4%
5 Year	34.1%
10 Year
15 Year
Since launch	17.9%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Franklin Build India Fund

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

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

Equity Sector Allocation

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

Asset Allocation

Asset Class	Value
Cash	4.35%
Equity	95.65%

Top Securities Holdings / Portfolio

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

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 (₹5,303 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 33.68% (upper mid).
3Y return: 26.82% (lower mid).
1Y return: -10.22% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.71 (bottom quartile).
Information ratio: 0.00 (lower mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~92%).
Largest holding Larsen & Toubro Ltd (~4.7%).

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 (29 Sep 25)	₹309.89 ↓ -0.77 (-0.25 %)
Net Assets (Cr)	₹5,303 on 31 Aug 25
Category	Equity - Sectoral
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.72
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹17,810
31 Aug 22	₹20,079
31 Aug 23	₹26,946
31 Aug 24	₹44,026
31 Aug 25	₹39,306

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

Total investment amount is ₹300,000
expected amount after 5 Years is ₹689,048.
Net Profit of ₹389,048 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 26 Sep 25

Duration	Returns
1 Month	0.7%
3 Month	-1.7%
6 Month	9.7%
1 Year	-10.2%
3 Year	26.8%
5 Year	33.7%
10 Year
15 Year
Since launch	17.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	32.4%
2023	49%
2022	13.9%
2021	51.6%
2020	2.7%
2019	6.7%
2018	-17.2%
2017	47%
2016	4.1%
2015	0.7%

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

Name	Since	Tenure
Rohit Singhania	21 Jun 10	15.21 Yr.

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

Equity Sector Allocation

Sector	Value
Industrials	29.21%
Basic Materials	15%
Utility	10.69%
Consumer Cyclical	9.02%
Financial Services	8.65%
Health Care	7.07%
Energy	5.32%
Communication Services	2.54%
Technology	2.17%
Real Estate	1.49%
Consumer Defensive	1.18%

Asset Allocation

Asset Class	Value
Cash	7.67%
Equity	92.33%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 04 \| LT	5%	₹254 Cr	697,669
NTPC Ltd (Utilities) Equity, Since 30 Nov 17 \| 532555	4%	₹239 Cr	7,145,883
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 31 Dec 24 \| APOLLOHOSP	3%	₹184 Cr	245,928
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Dec 24 \| AMBER	3%	₹165 Cr	207,277
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jan 25 \| 532898	3%	₹162 Cr	5,567,574
Kirloskar Oil Engines Ltd (Industrials) Equity, Since 31 Mar 23 \| KIRLOSENG	3%	₹145 Cr	1,608,534
Rainbow Childrens Medicare Ltd (Healthcare) Equity, Since 31 Jan 25 \| 543524	3%	₹143 Cr	935,870
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 18 \| BHARTIARTL	2%	₹132 Cr	688,435
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 31 May 25 \| MCX	2%	₹126 Cr	164,204
Coal India Ltd (Energy) Equity, Since 31 Dec 23 \| COALINDIA	2%	₹125 Cr	3,321,453

5. Bandhan Infrastructure Fund

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

Research Highlights for Bandhan Infrastructure Fund

Bottom quartile AUM (₹1,613 Cr).
Established history (14+ yrs).
Rating: 5★ (top quartile).
Risk profile: High.
5Y return: 33.50% (upper mid).
3Y return: 27.34% (lower mid).
1Y return: -12.33% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.71 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~91%).
Largest holding Kirloskar Brothers Ltd (~5.2%).

Below is the key information for Bandhan Infrastructure Fund

Bandhan Infrastructure Fund Growth
Launch Date	8 Mar 11
NAV (29 Sep 25)	₹49.038 ↓ -0.03 (-0.06 %)
Net Assets (Cr)	₹1,613 on 31 Aug 25
Category	Equity - Sectoral
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	2.1
Sharpe Ratio	-0.71
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

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

Bandhan Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹689,048.
Net Profit of ₹389,048 Invest Now

Returns for Bandhan Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Sep 25

Duration	Returns
1 Month	-0.1%
3 Month	-4.3%
6 Month	8.1%
1 Year	-12.3%
3 Year	27.3%
5 Year	33.5%
10 Year
15 Year
Since launch	11.5%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Bandhan Infrastructure Fund

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

Data below for Bandhan Infrastructure Fund as on 31 Aug 25

Equity Sector Allocation

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

Asset Allocation

Asset Class	Value
Cash	9.47%
Equity	90.53%

Top Securities Holdings / Portfolio

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

6. 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 (₹34,780 Cr).
Established history (11+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 32.75% (lower mid).
3Y return: 25.03% (bottom quartile).
1Y return: -6.75% (lower mid).
Alpha: 4.99 (top quartile).
Sharpe: -0.18 (top quartile).
Information ratio: 0.57 (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 Dixon Technologies (India) Ltd (~10.5%).

Below is the key information for Motilal Oswal Midcap 30 Fund

Motilal Oswal Midcap 30 Fund Growth
Launch Date	24 Feb 14
NAV (29 Sep 25)	₹98.7303 ↓ -0.79 (-0.80 %)
Net Assets (Cr)	₹34,780 on 31 Aug 25
Category	Equity - Mid Cap
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.56
Sharpe Ratio	-0.18
Information Ratio	0.57
Alpha Ratio	4.99
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹16,108
31 Aug 22	₹20,215
31 Aug 23	₹25,558
31 Aug 24	₹41,687
31 Aug 25	₹41,704

Motilal Oswal Midcap 30 Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹673,113.
Net Profit of ₹373,113 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 26 Sep 25

Duration	Returns
1 Month	-3.5%
3 Month	-3.7%
6 Month	7.4%
1 Year	-6.8%
3 Year	25%
5 Year	32.8%
10 Year
15 Year
Since launch	21.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	57.1%
2023	41.7%
2022	10.7%
2021	55.8%
2020	9.3%
2019	9.7%
2018	-12.7%
2017	30.8%
2016	5.2%
2015	16.5%

Fund Manager information for Motilal Oswal Midcap 30 Fund

Name	Since	Tenure
Ajay Khandelwal	1 Oct 24	0.92 Yr.
Niket Shah	1 Jul 20	5.17 Yr.
Rakesh Shetty	22 Nov 22	2.78 Yr.
Sunil Sawant	1 Jul 24	1.17 Yr.

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

Equity Sector Allocation

Sector	Value
Technology	34.22%
Industrials	18.95%
Consumer Cyclical	16.7%
Communication Services	3.85%
Health Care	3.7%
Financial Services	2.6%
Real Estate	2.03%

Asset Allocation

Asset Class	Value
Cash	17.96%
Equity	82.04%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Dixon Technologies (India) Ltd (Technology) Equity, Since 31 Mar 23 \| DIXON	11%	₹3,537 Cr	2,099,999 ↑ 100,000
Coforge Ltd (Technology) Equity, Since 31 Mar 23 \| COFORGE	9%	₹3,147 Cr	18,000,050 ↑ 50
Kalyan Jewellers India Ltd (Consumer Cyclical) Equity, Since 29 Feb 24 \| KALYANKJIL	9%	₹2,978 Cr	50,076,240 ↑ 5,076,240
Persistent Systems Ltd (Technology) Equity, Since 31 Jan 23 \| PERSISTENT	8%	₹2,787 Cr	5,400,005 ↑ 150,005
Trent Ltd (Consumer Cyclical) Equity, Since 30 Nov 24 \| 500251	8%	₹2,634 Cr	5,250,000 ↑ 257,861
Polycab India Ltd (Industrials) Equity, Since 30 Sep 23 \| POLYCAB	6%	₹1,876 Cr	2,750,000 ↑ 200,000
One97 Communications Ltd (Technology) Equity, Since 30 Sep 24 \| 543396	4%	₹1,511 Cr	13,869,997 ↑ 3,773,933
KEI Industries Ltd (Industrials) Equity, Since 30 Nov 24 \| KEI	4%	₹1,345 Cr	3,500,000
Bharti Hexacom Ltd (Communication Services) Equity, Since 31 Oct 24 \| BHARTIHEXA	4%	₹1,293 Cr	7,000,000 ↑ 250,000
Max Healthcare Institute Ltd Ordinary Shares (Healthcare) Equity, Since 31 Mar 24 \| MAXHEALTH	4%	₹1,242 Cr	9,969,361

7. 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 (₹995 Cr).
Established history (17+ yrs).
Not Rated.
Risk profile: High.
5Y return: 32.32% (lower mid).
3Y return: 28.73% (upper mid).
1Y return: -4.73% (top quartile).
Alpha: -1.71 (bottom quartile).
Sharpe: -0.46 (upper mid).
Information ratio: 0.34 (top quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding Shakti Pumps (India) Ltd (~6.0%).

Below is the key information for LIC MF Infrastructure Fund

LIC MF Infrastructure Fund Growth
Launch Date	29 Feb 08
NAV (29 Sep 25)	₹49.0676 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹995 on 31 Aug 25
Category	Equity - Sectoral
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	Not Rated
Risk	High
Expense Ratio	2.21
Sharpe Ratio	-0.47
Information Ratio	0.34
Alpha Ratio	-1.71
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹16,396
31 Aug 22	₹18,753
31 Aug 23	₹23,082
31 Aug 24	₹41,121
31 Aug 25	₹37,159

LIC MF Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹673,113.
Net Profit of ₹373,113 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 26 Sep 25

Duration	Returns
1 Month	2.4%
3 Month	-2.7%
6 Month	12.9%
1 Year	-4.7%
3 Year	28.7%
5 Year	32.3%
10 Year
15 Year
Since launch	9.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	47.8%
2023	44.4%
2022	7.9%
2021	46.6%
2020	-0.1%
2019	13.3%
2018	-14.6%
2017	42.2%
2016	-2.2%
2015	-6.2%

Fund Manager information for LIC MF Infrastructure Fund

Name	Since	Tenure
Yogesh Patil	18 Sep 20	4.96 Yr.
Mahesh Bendre	1 Jul 24	1.17 Yr.

Data below for LIC MF Infrastructure Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Industrials	49.62%
Basic Materials	8.63%
Financial Services	8.16%
Consumer Cyclical	6.96%
Utility	6.68%
Technology	4.17%
Health Care	3.87%
Real Estate	3.65%
Communication Services	2.48%
Energy	0.92%

Asset Allocation

Asset Class	Value
Cash	4.87%
Equity	95.13%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shakti Pumps (India) Ltd (Industrials) Equity, Since 31 Mar 24 \| SHAKTIPUMP	6%	₹62 Cr	693,857 ↑ 217,865
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Apr 09 \| LT	4%	₹40 Cr	109,584 ↑ 6,093
REC Ltd (Financial Services) Equity, Since 31 Jul 23 \| 532955	3%	₹36 Cr	911,009 ↑ 289,485
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 30 Jun 25 \| APOLLOHOSP	3%	₹35 Cr	46,843 ↑ 6,976
Garware Hi-Tech Films Ltd (Basic Materials) Equity, Since 31 Aug 23 \| 500655	3%	₹33 Cr	94,287
Schneider Electric Infrastructure Ltd (Industrials) Equity, Since 31 Dec 23 \| SCHNEIDER	3%	₹32 Cr	319,302
Afcons Infrastructure Ltd (Industrials) Equity, Since 31 Oct 24 \| AFCONS	3%	₹31 Cr	769,765
Tata Power Co Ltd (Utilities) Equity, Since 29 Feb 24 \| 500400	3%	₹29 Cr	724,927
Avalon Technologies Ltd (Technology) Equity, Since 31 Jul 23 \| AVALON	3%	₹26 Cr	310,615 ↓ -6,871
Mahindra Lifespace Developers Ltd (Real Estate) Equity, Since 30 Jun 24 \| MAHLIFE	2%	₹25 Cr	666,245

8. 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 (₹889 Cr).
Established history (19+ yrs).
Not Rated.
Risk profile: High.
5Y return: 32.31% (bottom quartile).
3Y return: 25.82% (bottom quartile).
1Y return: -5.01% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.41 (top quartile).
Information ratio: 0.00 (bottom quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Larsen & Toubro Ltd (~7.8%).

Below is the key information for Canara Robeco Infrastructure

Canara Robeco Infrastructure Growth
Launch Date	2 Dec 05
NAV (29 Sep 25)	₹160.61 ↑ 0.06 (0.04 %)
Net Assets (Cr)	₹889 on 31 Aug 25
Category	Equity - Sectoral
AMC	Canara Robeco Asset Management Co. Ltd.
Rating	Not Rated
Risk	High
Expense Ratio	2.32
Sharpe Ratio	-0.41
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
31 Aug 20	₹10,000
31 Aug 21	₹17,138
31 Aug 22	₹20,330
31 Aug 23	₹23,805
31 Aug 24	₹39,908
31 Aug 25	₹38,048

Canara Robeco Infrastructure SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹673,113.
Net Profit of ₹373,113 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 26 Sep 25

Duration	Returns
1 Month	1.7%
3 Month	-0.4%
6 Month	11.7%
1 Year	-5%
3 Year	25.8%
5 Year	32.3%
10 Year
15 Year
Since launch	15%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	35.3%
2023	41.2%
2022	9%
2021	56.1%
2020	9%
2019	2.3%
2018	-19.1%
2017	40.2%
2016	2.1%
2015	6.7%

Fund Manager information for Canara Robeco Infrastructure

Name	Since	Tenure
Vishal Mishra	26 Jun 21	4.19 Yr.
Shridatta Bhandwaldar	29 Sep 18	6.93 Yr.

Data below for Canara Robeco Infrastructure as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Industrials	45.06%
Utility	12.61%
Basic Materials	10.12%
Energy	8.15%
Financial Services	6.69%
Technology	5.72%
Consumer Cyclical	2.94%
Communication Services	2.85%
Real Estate	1.37%

Asset Allocation

Asset Class	Value
Cash	4.48%
Equity	95.52%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 28 Feb 11 \| LT	8%	₹72 Cr	197,901 ↑ 5,000
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 22 \| RELIANCE	4%	₹39 Cr	279,250 ↑ 15,000
NTPC Ltd (Utilities) Equity, Since 30 Nov 18 \| 532555	4%	₹36 Cr	1,066,480
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Jan 23 \| INDIGO	4%	₹34 Cr	58,250
State Bank of India (Financial Services) Equity, Since 31 Jul 24 \| SBIN	4%	₹34 Cr	430,000
Bharat Electronics Ltd (Industrials) Equity, Since 31 Jul 19 \| BEL	4%	₹33 Cr	869,000 ↓ -50,000
GE Vernova T&D India Ltd (Industrials) Equity, Since 31 Jan 24 \| 522275	4%	₹33 Cr	119,833 ↓ -3,000
Dixon Technologies (India) Ltd (Technology) Equity, Since 31 Oct 23 \| DIXON	3%	₹32 Cr	18,950 ↑ 1,750
Tata Power Co Ltd (Utilities) Equity, Since 30 Sep 24 \| 500400	3%	₹31 Cr	785,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Oct 09 \| 532898	3%	₹28 Cr	957,546

9. 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 (₹64,821 Cr).
Established history (15+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 32.24% (bottom quartile).
3Y return: 23.36% (bottom quartile).
1Y return: -8.58% (bottom quartile).
Alpha: -2.55 (bottom quartile).
Sharpe: -0.65 (lower mid).
Information ratio: 0.10 (upper mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Multi Commodity Exchange of India Ltd (~2.2%).

Below is the key information for Nippon India Small Cap Fund

Nippon India Small Cap Fund Growth
Launch Date	16 Sep 10
NAV (29 Sep 25)	₹166.038 ↓ -0.24 (-0.15 %)
Net Assets (Cr)	₹64,821 on 31 Aug 25
Category	Equity - Small Cap
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.44
Sharpe Ratio	-0.65
Information Ratio	0.1
Alpha Ratio	-2.55
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹19,171
31 Aug 22	₹22,076
31 Aug 23	₹29,854
31 Aug 24	₹44,369
31 Aug 25	₹40,510

Nippon India Small Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹673,113.
Net Profit of ₹373,113 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 26 Sep 25

Duration	Returns
1 Month	0%
3 Month	-2.9%
6 Month	11.3%
1 Year	-8.6%
3 Year	23.4%
5 Year	32.2%
10 Year
15 Year
Since launch	20.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	26.1%
2023	48.9%
2022	6.5%
2021	74.3%
2020	29.2%
2019	-2.5%
2018	-16.7%
2017	63%
2016	5.6%
2015	15.1%

Fund Manager information for Nippon India Small Cap Fund

Name	Since	Tenure
Samir Rachh	2 Jan 17	8.67 Yr.
Kinjal Desai	25 May 18	7.28 Yr.

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

Equity Sector Allocation

Sector	Value
Industrials	22.6%
Financial Services	15.03%
Consumer Cyclical	14.43%
Basic Materials	13.05%
Health Care	8.85%
Consumer Defensive	8.53%
Technology	7.18%
Utility	2.47%
Energy	1.53%
Communication Services	1.43%
Real Estate	0.59%

Asset Allocation

Asset Class	Value
Cash	4.3%
Equity	95.7%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 28 Feb 21 \| MCX	2%	₹1,424 Cr	1,851,010
HDFC Bank Ltd (Financial Services) Equity, Since 30 Apr 22 \| HDFCBANK	2%	₹1,342 Cr	6,650,000
Kirloskar Brothers Ltd (Industrials) Equity, Since 31 Oct 12 \| KIRLOSBROS	1%	₹881 Cr	4,472,130
Paradeep Phosphates Ltd (Basic Materials) Equity, Since 31 May 22 \| 543530	1%	₹870 Cr	40,362,502 ↑ 1,670,164
Karur Vysya Bank Ltd (Financial Services) Equity, Since 28 Feb 17 \| 590003	1%	₹838 Cr	31,784,062
Apar Industries Ltd (Industrials) Equity, Since 31 Mar 17 \| APARINDS	1%	₹801 Cr	899,271
ELANTAS Beck India Ltd (Basic Materials) Equity, Since 28 Feb 13 \| 500123	1%	₹798 Cr	651,246
State Bank of India (Financial Services) Equity, Since 31 Oct 19 \| SBIN	1%	₹725 Cr	9,100,000
Tube Investments of India Ltd Ordinary Shares (Industrials) Equity, Since 30 Apr 18 \| TIINDIA	1%	₹710 Cr	2,499,222
Zydus Wellness Ltd (Consumer Defensive) Equity, Since 31 Aug 16 \| ZYDUSWELL	1%	₹684 Cr	3,369,221 ↑ 17,475

10. 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 (₹5,179 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 32.15% (bottom quartile).
3Y return: 32.30% (top quartile).
1Y return: -6.08% (upper mid).
Alpha: -0.35 (bottom quartile).
Sharpe: -0.81 (bottom quartile).
Information ratio: -0.37 (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 (~13.9%).

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (29 Sep 25)	₹32.0734 ↑ 0.43 (1.35 %)
Net Assets (Cr)	₹5,179 on 31 Aug 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.81
Information Ratio	-0.37
Alpha Ratio	-0.35
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹14,312
31 Aug 22	₹16,867
31 Aug 23	₹22,201
31 Aug 24	₹40,343
31 Aug 25	₹35,635

SBI PSU Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹673,113.
Net Profit of ₹373,113 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 26 Sep 25

Duration	Returns
1 Month	3.5%
3 Month	-1.6%
6 Month	7.3%
1 Year	-6.1%
3 Year	32.3%
5 Year	32.1%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23.5%
2023	54%
2022	29%
2021	32.4%
2020	-10%
2019	6%
2018	-23.8%
2017	21.9%
2016	16.2%
2015	-11.1%

Fund Manager information for SBI PSU Fund

Name	Since	Tenure
Rohit Shimpi	1 Jun 24	1.25 Yr.

Data below for SBI PSU Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	34.8%
Utility	29.58%
Energy	15.36%
Industrials	12.07%
Basic Materials	5.49%

Asset Allocation

Asset Class	Value
Cash	2.6%
Equity	97.31%
Debt	0.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	14%	₹735 Cr	9,227,500 ↑ 650,000
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	9%	₹497 Cr	12,975,000
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| 532555	9%	₹486 Cr	14,543,244 ↑ 2,400,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| 532898	9%	₹481 Cr	16,535,554 ↑ 1,400,000
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| 532155	9%	₹458 Cr	25,750,000
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| 500547	6%	₹319 Cr	9,700,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| 532134	5%	₹262 Cr	11,000,000
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| 526371	4%	₹198 Cr	27,900,000
Oil India Ltd (Energy) Equity, Since 31 Mar 24 \| OIL	3%	₹169 Cr	3,850,000
General Insurance Corp of India (Financial Services) Equity, Since 31 May 24 \| 540755	3%	₹163 Cr	4,150,000

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۔