2022 میں سرمایہ کاری کے لیے 5 بہترین حل پر مبنی اسکیمیں

Updated on September 26, 2025 , 4568 views

سیکورٹی اینڈ ایکسچینج بورڈ آف انڈیا (SEBI) کے تحت ایک نئی درجہ بندی 'حل اورینٹڈ اسکیم' متعارف کرائی ہے۔باہمی چندہ. یہ فنڈز طویل مدتی اہداف کی منصوبہ بندی کے لیے اہم ہیں، خاص طور پر-ریٹائرمنٹ پلاننگ اور بچے کی تعلیم لہذا، اگر آپ کسی چیز کو اسی طرح کے مقصد کے ساتھ دیکھ رہے ہیں۔سرمایہ کاری، پھر آپ صحیح جگہ پر ہیں۔ آئیے سرمایہ کاری کے لیے کچھ بہترین حل پر مبنی اسکیموں کے ساتھ ان فنڈز کو تفصیلی انداز میں دیکھتے ہیں۔

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حل پر مبنی اسکیمیں کیا ہیں؟

حل پر مبنی اسکیمیں ان سرمایہ کاروں کے لیے مددگار ہیں جو طویل مدتی دولت بنانا چاہتے ہیں جس میں بنیادی طور پر ریٹائرمنٹ کی منصوبہ بندی اور بچوں کی مستقبل کی تعلیم شامل ہے۔میوچل فنڈز میں سرمایہ کاری. پہلے، یہ منصوبے ایکویٹی یا متوازن اسکیموں کا حصہ تھے، لیکن SEBI کے نئے سرکولیشن کے مطابق، ان فنڈز کو الگ الگ حل پر مبنی اسکیموں کے تحت درجہ بندی کیا گیا ہے۔

نیز، ان اسکیموں میں تین سال کے لیے لاک ان ہوتا تھا، لیکن اب ان فنڈز میں پانچ سال کا لازمی لاک ان ہے۔ سرمایہ کاری کے ان اہداف کو حاصل کرنے کے لیے سرمایہ کاروں کو طویل مدت تک سرمایہ کاری میں رکھنے کا یہ مثالی طور پر ایک اچھا طریقہ ہے۔ یہ سرمایہ کاری میں نظم و ضبط برقرار رکھتا ہے۔

ٹاپ 5 بہترین پرفارمنگ سلوشن اورینٹڈ سکیمیں FY 22 - 23

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
SBI Magnum Children's Benefit Plan Growth	₹109.612 ↓ -0.01	₹129	0.4	3.7	3.1	12.4	13.5	17.4
Tata Retirement Savings Fund-Moderate Growth	₹63.1128 ↑ 0.21	₹2,115	-4.6	7.2	-5	14.1	14.7	19.5
Tata Retirement Savings Fund - Progressive Growth	₹63.5266 ↑ 0.23	₹2,047	-6.2	7.4	-8.6	14.9	15.6	21.7
Tata Retirement Savings Fund - Conservative Growth	₹31.5194 ↑ 0.03	₹177	-1.3	4.2	0.9	8.4	7.5	9.9
ICICI Prudential Child Care Plan (Gift) Growth	₹325.48 ↓ -3.35	₹1,373	-2.3	9.5	-1.2	18.7	19.4	16.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	SBI Magnum Children's Benefit Plan	Tata Retirement Savings Fund-Moderate	Tata Retirement Savings Fund - Progressive	Tata Retirement Savings Fund - Conservative	ICICI Prudential Child Care Plan (Gift)
Point 1	Bottom quartile AUM (₹129 Cr).	Highest AUM (₹2,115 Cr).	Upper mid AUM (₹2,047 Cr).	Bottom quartile AUM (₹177 Cr).	Lower mid AUM (₹1,373 Cr).
Point 2	Established history (23+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Oldest track record among peers (24 yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 5★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 13.47% (bottom quartile).	5Y return: 14.69% (lower mid).	5Y return: 15.58% (upper mid).	5Y return: 7.54% (bottom quartile).	5Y return: 19.37% (top quartile).
Point 6	3Y return: 12.41% (bottom quartile).	3Y return: 14.13% (lower mid).	3Y return: 14.89% (upper mid).	3Y return: 8.38% (bottom quartile).	3Y return: 18.67% (top quartile).
Point 7	1Y return: 3.10% (top quartile).	1Y return: -5.02% (bottom quartile).	1Y return: -8.58% (bottom quartile).	1Y return: 0.88% (upper mid).	1Y return: -1.20% (lower mid).
Point 8	1M return: 0.66% (top quartile).	1M return: -1.21% (bottom quartile).	1M return: -1.78% (bottom quartile).	1M return: 0.07% (upper mid).	1M return: -1.13% (lower mid).
Point 9	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: -0.19 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: -0.57 (lower mid).	Sharpe: -0.56 (upper mid).	Sharpe: -0.60 (bottom quartile).	Sharpe: -0.78 (bottom quartile).	Sharpe: -0.26 (top quartile).

SBI Magnum Children's Benefit Plan

Bottom quartile AUM (₹129 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 13.47% (bottom quartile).
3Y return: 12.41% (bottom quartile).
1Y return: 3.10% (top quartile).
1M return: 0.66% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: -0.57 (lower mid).

Tata Retirement Savings Fund-Moderate

Highest AUM (₹2,115 Cr).
Established history (13+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 14.69% (lower mid).
3Y return: 14.13% (lower mid).
1Y return: -5.02% (bottom quartile).
1M return: -1.21% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.56 (upper mid).

Tata Retirement Savings Fund - Progressive

Upper mid AUM (₹2,047 Cr).
Established history (13+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately High.
5Y return: 15.58% (upper mid).
3Y return: 14.89% (upper mid).
1Y return: -8.58% (bottom quartile).
1M return: -1.78% (bottom quartile).
Alpha: -0.19 (bottom quartile).
Sharpe: -0.60 (bottom quartile).

Tata Retirement Savings Fund - Conservative

Bottom quartile AUM (₹177 Cr).
Established history (13+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 7.54% (bottom quartile).
3Y return: 8.38% (bottom quartile).
1Y return: 0.88% (upper mid).
1M return: 0.07% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.78 (bottom quartile).

ICICI Prudential Child Care Plan (Gift)

Lower mid AUM (₹1,373 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.37% (top quartile).
3Y return: 18.67% (top quartile).
1Y return: -1.20% (lower mid).
1M return: -1.13% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.26 (top quartile).

1. SBI Magnum Children's Benefit Plan

To provide attractive returns to the Magnum holders / Unit holders by means of capital appreciation through an actively managed portfolio of debt, equity and money market instruments. Income generated through the receipt of coupon payments, the amortization of the discount on the debt instruments, receipt of dividends or purchase and sale of securities in the underlying portfolio, will be reinvested.

Research Highlights for SBI Magnum Children's Benefit Plan

Bottom quartile AUM (₹129 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 13.47% (bottom quartile).
3Y return: 12.41% (bottom quartile).
1Y return: 3.10% (top quartile).
1M return: 0.66% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: -0.57 (lower mid).
Information ratio: 0.00 (top quartile).
Top sector: Consumer Cyclical.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~66%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.79% Govt Stock 2034 (~16.0%).
Top-3 holdings concentration ~36.1%.

Below is the key information for SBI Magnum Children's Benefit Plan

SBI Magnum Children's Benefit Plan Growth
Launch Date	21 Feb 02
NAV (29 Sep 25)	₹109.612 ↓ -0.01 (-0.01 %)
Net Assets (Cr)	₹129 on 15 Sep 25
Category	Solutions - Childrens Fund
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.21
Sharpe Ratio	-0.57
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (3%),1-2 Years (2%),2-3 Years (1%),3 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹12,421
31 Aug 22	₹13,152
31 Aug 23	₹14,796
31 Aug 24	₹17,945
31 Aug 25	₹18,601

SBI Magnum Children's Benefit Plan SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Purchase not allowed

Returns for SBI Magnum Children's Benefit Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Sep 25

Duration	Returns
1 Month	0.7%
3 Month	0.4%
6 Month	3.7%
1 Year	3.1%
3 Year	12.4%
5 Year	13.5%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2024	17.4%
2023	16.9%
2022	1.9%
2021	18.3%
2020	14.8%
2019	2.6%
2018	0.1%
2017	24.3%
2016	16.1%
2015	7%

Fund Manager information for SBI Magnum Children's Benefit Plan

Name	Since	Tenure
R. Srinivasan	13 Jan 21	4.64 Yr.
Lokesh Mallya	1 Jul 25	0.17 Yr.

Data below for SBI Magnum Children's Benefit Plan as on 15 Sep 25

Asset Allocation

Asset Class	Value
Cash	16.57%
Equity	17.42%
Debt	66.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	16%	₹20 Cr	2,000,000
7.38% State Government Of Uttar Pradesh 2036 Sovereign Bonds \| -	12%	₹15 Cr	1,500,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	8%	₹10 Cr	1,000,000
Sundaram Finance Limited Debentures \| -	4%	₹5 Cr	500
Rajasthan (Government of ) 7.49% - \| -	4%	₹5 Cr	500,000
LIC Housing Finance Ltd Debentures \| -	4%	₹5 Cr	500
Nexus Select TRust Debentures \| -	4%	₹5 Cr	500
Mahindra And Mahindra Financial Services Limited Debentures \| -	4%	₹5 Cr	500
Gs CG 16/12/2026 - (Strips) Tb Sovereign Bonds \| -	3%	₹3 Cr	375,000
Muthoot Finance Limited Debentures \| -	2%	₹3 Cr	300

2. Tata Retirement Savings Fund-Moderate

To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends.

Research Highlights for Tata Retirement Savings Fund-Moderate

Highest AUM (₹2,115 Cr).
Established history (13+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 14.69% (lower mid).
3Y return: 14.13% (lower mid).
1Y return: -5.02% (bottom quartile).
1M return: -1.21% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.56 (upper mid).
Information ratio: 0.00 (upper mid).
Higher exposure to Financial Services vs peer median.
Top bond sector: Government.
Equity-heavy allocation (~79%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.79% Govt Stock 2034 (~6.0%).

Below is the key information for Tata Retirement Savings Fund-Moderate

Tata Retirement Savings Fund-Moderate Growth
Launch Date	1 Nov 11
NAV (29 Sep 25)	₹63.1128 ↑ 0.21 (0.34 %)
Net Assets (Cr)	₹2,115 on 31 Aug 25
Category	Solutions - Retirement Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	2.02
Sharpe Ratio	-0.57
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	150
Exit Load	0-60 Years (1%),60 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹13,703
31 Aug 22	₹13,828
31 Aug 23	₹15,640
31 Aug 24	₹20,649
31 Aug 25	₹20,095

Tata Retirement Savings Fund-Moderate SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for Tata Retirement Savings Fund-Moderate

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Sep 25

Duration	Returns
1 Month	-1.2%
3 Month	-4.6%
6 Month	7.2%
1 Year	-5%
3 Year	14.1%
5 Year	14.7%
10 Year
15 Year
Since launch	14.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	19.5%
2023	25.3%
2022	-1.9%
2021	20.5%
2020	15.1%
2019	8.6%
2018	-3.6%
2017	38.8%
2016	6.7%
2015	7.7%

Fund Manager information for Tata Retirement Savings Fund-Moderate

Name	Since	Tenure
Murthy Nagarajan	1 Apr 17	8.42 Yr.
Sonam Udasi	1 Apr 16	9.42 Yr.

Data below for Tata Retirement Savings Fund-Moderate as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	7.1%
Equity	79.42%
Debt	13.48%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	6%	₹128 Cr	12,500,000
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 11 \| HDFCBANK	6%	₹123 Cr	607,000 ↓ -80,500
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 18 \| RELIANCE	4%	₹79 Cr	567,900
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Mar 24 \| 543320	3%	₹74 Cr	2,412,000
Radico Khaitan Ltd (Consumer Defensive) Equity, Since 30 Nov 17 \| RADICO	3%	₹73 Cr	266,500
Solar Industries India Ltd (Basic Materials) Equity, Since 31 Oct 22 \| SOLARINDS	3%	₹73 Cr	51,155
BSE Ltd (Financial Services) Equity, Since 31 May 24 \| BSE	3%	₹72 Cr	297,000
ITC Ltd (Consumer Defensive) Equity, Since 30 Apr 18 \| ITC	3%	₹66 Cr	1,613,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Aug 20 \| TCS	3%	₹64 Cr	211,500
Mahanagar Gas Ltd (Utilities) Equity, Since 29 Feb 24 \| MGL	2%	₹45 Cr	333,000

3. Tata Retirement Savings Fund - Progressive

Research Highlights for Tata Retirement Savings Fund - Progressive

Upper mid AUM (₹2,047 Cr).
Established history (13+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately High.
5Y return: 15.58% (upper mid).
3Y return: 14.89% (upper mid).
1Y return: -8.58% (bottom quartile).
1M return: -1.78% (bottom quartile).
Alpha: -0.19 (bottom quartile).
Sharpe: -0.60 (bottom quartile).
Information ratio: -0.12 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~93%).
Largest holding HDFC Bank Ltd (~6.8%).

Below is the key information for Tata Retirement Savings Fund - Progressive

Tata Retirement Savings Fund - Progressive Growth
Launch Date	1 Nov 11
NAV (29 Sep 25)	₹63.5266 ↑ 0.23 (0.37 %)
Net Assets (Cr)	₹2,047 on 31 Aug 25
Category	Solutions - Retirement Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	2.02
Sharpe Ratio	-0.6
Information Ratio	-0.12
Alpha Ratio	-0.19
Min Investment	5,000
Min SIP Investment	150
Exit Load	0-60 Years (1%),60 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹14,303
31 Aug 22	₹14,158
31 Aug 23	₹16,056
31 Aug 24	₹22,193
31 Aug 25	₹21,007

Tata Retirement Savings Fund - Progressive SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 Invest Now

Returns for Tata Retirement Savings Fund - Progressive

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Sep 25

Duration	Returns
1 Month	-1.8%
3 Month	-6.2%
6 Month	7.4%
1 Year	-8.6%
3 Year	14.9%
5 Year	15.6%
10 Year
15 Year
Since launch	14.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	21.7%
2023	29%
2022	-3.9%
2021	23.3%
2020	14.4%
2019	11.5%
2018	-6.1%
2017	49.1%
2016	3.1%
2015	7.8%

Fund Manager information for Tata Retirement Savings Fund - Progressive

Name	Since	Tenure
Murthy Nagarajan	1 Apr 17	8.42 Yr.
Sonam Udasi	1 Apr 16	9.42 Yr.

Data below for Tata Retirement Savings Fund - Progressive as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	6.94%
Equity	93.06%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 11 \| HDFCBANK	7%	₹141 Cr	700,000 ↓ -54,000
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 18 \| RELIANCE	4%	₹91 Cr	657,000
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Mar 24 \| 543320	4%	₹84 Cr	2,718,000
Solar Industries India Ltd (Basic Materials) Equity, Since 31 Oct 22 \| SOLARINDS	4%	₹83 Cr	58,135
BSE Ltd (Financial Services) Equity, Since 31 May 24 \| BSE	4%	₹79 Cr	324,000
ITC Ltd (Consumer Defensive) Equity, Since 30 Apr 18 \| ITC	4%	₹76 Cr	1,853,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Aug 20 \| TCS	4%	₹74 Cr	243,000
Radico Khaitan Ltd (Consumer Defensive) Equity, Since 30 Nov 17 \| RADICO	3%	₹68 Cr	249,600
Mahanagar Gas Ltd (Utilities) Equity, Since 29 Feb 24 \| MGL	2%	₹51 Cr	378,000
Nippon Life India Asset Management Ltd Ordinary Shares (Financial Services) Equity, Since 31 Jan 25 \| NAM-INDIA	2%	₹49 Cr	603,000

4. Tata Retirement Savings Fund - Conservative

Research Highlights for Tata Retirement Savings Fund - Conservative

Bottom quartile AUM (₹177 Cr).
Established history (13+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 7.54% (bottom quartile).
3Y return: 8.38% (bottom quartile).
1Y return: 0.88% (upper mid).
1M return: 0.07% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.78 (bottom quartile).
Information ratio: 0.00 (lower mid).
Top sector: Financial Services.
Higher exposure to Government (bond sector) vs peer median.
High-quality debt (AAA/AA ~100%).
Largest holding 6.79% Govt Stock 2034 (~20.2%).
Top-3 holdings concentration ~37.8%.

Below is the key information for Tata Retirement Savings Fund - Conservative

Tata Retirement Savings Fund - Conservative Growth
Launch Date	1 Nov 11
NAV (29 Sep 25)	₹31.5194 ↑ 0.03 (0.08 %)
Net Assets (Cr)	₹177 on 15 Sep 25
Category	Solutions - Retirement Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	2.18
Sharpe Ratio	-0.79
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-60 Years (1%),60 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹11,433
31 Aug 22	₹11,514
31 Aug 23	₹12,364
31 Aug 24	₹14,181
31 Aug 25	₹14,433

Tata Retirement Savings Fund - Conservative SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹367,070.
Net Profit of ₹67,070 Invest Now

Returns for Tata Retirement Savings Fund - Conservative

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Sep 25

Duration	Returns
1 Month	0.1%
3 Month	-1.3%
6 Month	4.2%
1 Year	0.9%
3 Year	8.4%
5 Year	7.5%
10 Year
15 Year
Since launch	8.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9.9%
2023	12.1%
2022	0.1%
2021	7.6%
2020	11.8%
2019	7.6%
2018	0.8%
2017	15.1%
2016	10.6%
2015	6.4%

Fund Manager information for Tata Retirement Savings Fund - Conservative

Name	Since	Tenure
Murthy Nagarajan	1 Apr 17	8.42 Yr.
Sonam Udasi	1 Apr 16	9.42 Yr.

Data below for Tata Retirement Savings Fund - Conservative as on 15 Sep 25

Asset Allocation

Asset Class	Value
Cash	10.92%
Equity	28.37%
Debt	60.7%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	20%	₹36 Cr	3,500,000
7.17% Govt Stock 2030 Sovereign Bonds \| -	9%	₹16 Cr	1,500,000
7.38% Govt Stock 2027 Sovereign Bonds \| -	9%	₹15 Cr	1,500,000
7.36% Govt Stock 2052 Sovereign Bonds \| -	6%	₹10 Cr	1,000,000
7.27% Govt Stock 2026 Sovereign Bonds \| -	6%	₹10 Cr	1,000,000
Jamnagar Utilities & Power Private Limited Debentures \| -	6%	₹10 Cr	100
8.24% Govt Stock 2027 Sovereign Bonds \| -	3%	₹5 Cr	500,000
Bharti Telecom Limited Debentures \| -	3%	₹5 Cr	50
8.2% Govt Stock 2025 Sovereign Bonds \| -	3%	₹5 Cr	500,000
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 11 \| HDFCBANK	2%	₹4 Cr	18,000

5. ICICI Prudential Child Care Plan (Gift)

The primary investment objective of the Study Plan is to seek generation of current income by creating a portfolio that is invested in debt, money market instruments and equity and equity related securities.

Research Highlights for ICICI Prudential Child Care Plan (Gift)

Lower mid AUM (₹1,373 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.37% (top quartile).
3Y return: 18.67% (top quartile).
1Y return: -1.20% (lower mid).
1M return: -1.13% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.26 (top quartile).
Information ratio: 0.00 (bottom quartile).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Government.
Equity-heavy allocation (~86%).
High-quality debt (AAA/AA ~95%).
Largest holding UltraTech Cement Ltd (~5.9%).

Below is the key information for ICICI Prudential Child Care Plan (Gift)

ICICI Prudential Child Care Plan (Gift) Growth
Launch Date	31 Aug 01
NAV (26 Sep 25)	₹325.48 ↓ -3.35 (-1.02 %)
Net Assets (Cr)	₹1,373 on 31 Aug 25
Category	Solutions - Childrens Fund
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	2.2
Sharpe Ratio	-0.26
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (3%),1-2 Years (2%),2-3 Years (1%),3 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹13,837
31 Aug 22	₹14,530
31 Aug 23	₹16,647
31 Aug 24	₹23,321
31 Aug 25	₹23,595

ICICI Prudential Child Care Plan (Gift) SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for ICICI Prudential Child Care Plan (Gift)

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Sep 25

Duration	Returns
1 Month	-1.1%
3 Month	-2.3%
6 Month	9.5%
1 Year	-1.2%
3 Year	18.7%
5 Year	19.4%
10 Year
15 Year
Since launch	15.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	16.9%
2023	29.2%
2022	2.6%
2021	24.8%
2020	8.8%
2019	8.5%
2018	-1.9%
2017	25%
2016	6.9%
2015	0.2%

Fund Manager information for ICICI Prudential Child Care Plan (Gift)

Name	Since	Tenure
Sharmila D’mello	30 Jun 22	3.17 Yr.
Darshil Dedhia	22 Jan 24	1.61 Yr.
Rohit Lakhotia	12 Jun 23	2.22 Yr.
Aatur Shah	29 Aug 25	0.01 Yr.

Data below for ICICI Prudential Child Care Plan (Gift) as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	2.64%
Equity	85.59%
Debt	11.77%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
UltraTech Cement Ltd (Basic Materials) Equity, Since 30 Jun 22 \| 532538	6%	₹82 Cr	66,700
Bharti Airtel Ltd (Communication Services) Equity, Since 31 May 18 \| BHARTIARTL	5%	₹74 Cr	384,788
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Sep 24 \| M&M	5%	₹69 Cr	215,743
InterGlobe Aviation Ltd (Industrials) Equity, Since 29 Feb 24 \| INDIGO	5%	₹68 Cr	115,081
6.99% Govt Stock 2034 Sovereign Bonds \| -	4%	₹60 Cr	5,866,260
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 31 Jul 24 \| MCX	4%	₹49 Cr	64,289
PB Fintech Ltd (Financial Services) Equity, Since 31 Jan 25 \| 543390	3%	₹43 Cr	240,000
JSW Steel Ltd (Basic Materials) Equity, Since 31 Aug 22 \| JSWSTEEL	3%	₹43 Cr	409,287
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 30 Jun 24 \| HAL	3%	₹41 Cr	90,000
Ambuja Cements Ltd (Basic Materials) Equity, Since 31 Aug 22 \| 500425	3%	₹36 Cr	613,000

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