بچت اور سرمایہ کاری کے درمیان فرق

Updated on February 2, 2026 , 2308 views

آج کی دنیا میں، مالی تحفظ کے حصول کے لیے بچت اور سرمایہ کاری کی بنیادی باتوں کو سمجھنا ضروری ہے۔ اپنے مالی معاملات کے بارے میں ہوشیار فیصلے کر کے، آپ اپنے اور اپنے خاندان کے لیے ایک محفوظ مستقبل بنا سکتے ہیں۔ اس گائیڈ کا مقصد بچت اور سرمایہ کاری کے ساتھ ساتھ کچھ بنیادی اصولوں کو متعارف کرانا ہے۔معاشی منصوبہ بندی. ہم مختلف قسم کی سرمایہ کاری کی گاڑیوں کے بارے میں بات کریں گے، کیسےپیسے بچاؤبجٹ سازی کی تکنیکریٹائرمنٹ پلاننگ حکمت عملی، اور مزید. ہاتھ میں مناسب علم کے ساتھ، جب سرمایہ کاری کرنے یا ریٹائرمنٹ کا منصوبہ بنانے کا وقت آتا ہے تو آپ باخبر فیصلے کر سکتے ہیں۔

ایک مؤثر مالیاتی حکمت عملی کے لیے ایک جامع نقطہ نظر کی ضرورت ہوتی ہے جو تمام پہلوؤں پر غور کرے۔ذاتی اقتصادٹیکس کے قوانین سمیت،انشورنس پالیسیاں، اسٹیٹ پلاننگ کے تحفظات، قرض کے انتظام کے مسائل، اور وقت کے ساتھ ساتھ پائیدار دولت کی تعمیر سے متعلق دیگر عوامل۔سرمایہ کاری دانشمندی سے اب مستقبل میں زیادہ منافع حاصل ہو سکتا ہے، لہذا صحیح طریقے سے بچت اور سرمایہ کاری کے بارے میں جاننے کے لیے ابھی وقت نکالیں!

بچت اور سرمایہ کاری کے درمیان کلیدی فرق

بچت اور سرمایہ کاری دو الگ الگ مالی اصطلاحات ہیں جنہیں لوگ اکثر ایک دوسرے کے بدلے استعمال کرتے ہیں۔ تاہم، بچت اور سرمایہ کاری کے درمیان اہم فرق کو سمجھنا ضروری ہے، کیونکہ وہ مختلف مقاصد کو پورا کرتے ہیں۔ بچت میں رقم کو محفوظ جگہ پر رکھ کر مستقبل کے استعمال کے لیے مختص کرنا شامل ہے جیسے کہ aبینک کھاتہ،معیاد مقررہ تک جمع یا دیگر محفوظ سرمایہ کاری۔ دوسری طرف، سرمایہ کاری میں، جیسے آلات میں پیسہ لگانا شامل ہے۔باہمی چندہ، سونا، اسٹاک،ETFs، وغیرہ، اضافی پیدا کرنے کے مقصد کے ساتھآمدنی یاسرمایہ وقت کے ساتھ فائدہ.

بچت اور سرمایہ کاری کے درمیان ایک اہم فرق یہ ہے کہ بچت آپ کو بہت کم منافع دیتی ہے اور کم خطرہ ہے۔ اگرچہ سرمایہ کاری خطرناک ہو سکتی ہے لیکن ممکنہ طور پر زیادہ منافع پیدا کر سکتی ہے۔ اس کے علاوہ، بچتوں میں تحفظ کی ضمانت ہوتی ہے، جبکہ سرمایہ کاری میں مزید شامل ہو سکتے ہیں۔اتار چڑھاؤ اس پر منحصرمارکیٹ حالات بالآخر، یہ آپ پر منحصر ہے کہ آپ یہ فیصلہ کرتے وقت کتنا خطرہ مول لینے کو تیار ہیں کہ آپ کی ضروریات اور مقاصد کے مطابق کس قسم کی سرگرمی بہترین ہے۔

بچت	سرمایہ کاری
آپ اپنے قلیل مدتی اہداف کو پورا کر سکتے ہیں اور تمام غیر منصوبہ بند اخراجات کا انتظام کر سکتے ہیں۔	آپ دولت پیدا کر سکتے ہیں اور اےپورٹ فولیو، اس سرمائے کی تعریف کرتے ہوئے جو آپ سرمایہ کاری کر رہے ہیں۔
یہ مختصر مدت کے فوائد کے لئے مثالی ہے	یہ طویل مدتی فوائد کے لیے مثالی ہے کیونکہ یہ مثبت منافع دیتا ہے۔
آپ کو زیادہ قیمتی واپسی فراہم نہیں کرتا ہے۔	اگر آپ صحیح سرمایہ کاری کی حکمت عملی پر عمل پیرا ہیں تو یہ آپ کو بھاری منافع حاصل کرنے میں مدد کرتا ہے۔
رقم کی بچت میں کوئی خطرہ نہیں ہے۔	یہ مارکیٹ کے خطرات کا شکار ہے اور اگر آپ مارکیٹ کے رجحانات اور تجزیہ پر عمل نہیں کر رہے ہیں تو اس میں نقصانات شامل ہو سکتے ہیں
آپ ڈپازٹس کے سرٹیفکیٹ، پیسہ کمانے کے آلات، اور اوپننگ اے کا استعمال کرتے ہوئے اپنے پیسے بچا سکتے ہیں۔بچت اکاونٹ	آپ اسٹاک میں سرمایہ کاری کر سکتے ہیں،بانڈز، ETFs، اور میوچل فنڈز ایک سرمایہ کاری پورٹ فولیو بنانے کے لیے

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ایک متوازن مالیاتی منصوبہ بنانے کے لیے 50-20-30 اصول کا استعمال کریں۔

متوازن بنانامالی منصوبہ بچت بمقابلہ سرمایہ کاری کے تناسب پر غور کرنے کی ضرورت ہے۔ بچت اور سرمایہ کاری دونوں ذاتی مالیات کے لازمی پہلو ہیں، اور طویل مدتی مالی استحکام حاصل کرنے کے لیے دونوں کے درمیان توازن برقرار رکھنا بہت ضروری ہے۔ تناسب اس بات کا تعین کرنے کا ایک طریقہ ہے کہ آپ کو اپنی آمدنی کا کتنا حصہ ہر ماہ بچت اور سرمایہ کاری کے لیے مختص کرنا چاہیے۔

اصول بتاتا ہے کہ آپ کو اپنی بعد از ٹیکس آمدنی کو تین زمروں میں تقسیم کرنا چاہیے:

ضروریات (50%): اس زمرے میں وہ تمام ضروری اخراجات شامل ہیں جو آپ کو ہر ماہ ادا کرنے ہوں گے، جیسے کہ کرایہ، قرض، افادیت، گروسری، ٹرانسپورٹیشن، اور انشورنس۔
بچت اور قرض میں کمی (20%): اس زمرے میں کوئی بھی رقم شامل ہے جسے آپ نے طویل مدتی اہداف کے لیے مختص کیا ہے، جیسے ریٹائرمنٹ کی بچت یا قرض کی ادائیگی۔ اس زمرے کو آپ کے "مالی کشن" کے نام سے بھی جانا جاتا ہے کیونکہ یہ آپ کو ہنگامی حالات میں حفاظتی جال بنانے میں مدد کرتا ہے۔
چاہتا ہے (30%): اس زمرے میں کوئی بھی صوابدیدی اخراجات شامل ہیں جو آپ کرنے کا انتخاب کرتے ہیں، جیسے باہر کھانا، تفریح، سفر یا شوق۔

50-20-30 اصول پر عمل کرنے سے آپ کو ایک متوازن مالیاتی منصوبہ بنانے میں مدد مل سکتی ہے جو آپ کو اپنی ضروری ضروریات کو پورا کرنے، مستقبل کے لیے بچت کرنے، اور کچھ ایسی چیزوں سے لطف اندوز ہونے دیتا ہے جو زیادہ خرچ کیے بغیر زندگی کو خوشگوار بناتی ہیں۔ تاہم، یہ یاد رکھنا ضروری ہے کہ یہ صرف ایک رہنما خطوط ہے، اور آپ کو اپنی منفرد مالی صورتحال اور ترجیحات کے مطابق اسے ایڈجسٹ کرنا چاہیے۔

کیوں سرمایہ کاری بچت سے بہتر ہے۔

سرمایہ کاری بہت سے فوائد پیش کرتی ہے جن کی روایتی بچت کھاتوں میں کمی ہے، جو اسے ذاتی مالیات کا ایک اہم پہلو بناتی ہے۔ سرمایہ کاری کا ایک بڑا فائدہ بچت کھاتوں سے زیادہ منافع کا امکان ہے کیونکہ اثاثے جیسے اسٹاک، میوچل فنڈز، اورریل اسٹیٹ کی وقت کے ساتھ قدر کی تعریف کر سکتے ہیں۔ ان اثاثوں میں سرمایہ کاری کرکے، افراد ایسے منافع کما سکتے ہیں جو بچت کھاتوں کے ذریعہ پیش کردہ سود کی شرحوں کو پیچھے چھوڑ دیتے ہیں۔ سرمایہ کاری کا ایک اور فائدہ دولت کو بڑھانے کی صلاحیت ہے۔مرکب، جہاں ریٹرن کی دوبارہ سرمایہ کاری کی جاتی ہے تاکہ اس سے بھی زیادہ منافع حاصل کیا جا سکے۔

اس سے افراد کو طویل مدتی حاصل کرنے میں مدد ملتی ہے۔مالی اہدافجیسے ریٹائرمنٹ کے لیے بچت کرنا یا گھر خریدنا۔ مزید برآں، سرمایہ کاری تنوع کی اجازت دیتی ہے، جو مختلف شعبوں اور صنعتوں میں سرمایہ کاری کو پھیلا کر خطرے کو کم کرنے میں مدد کر سکتی ہے۔ مجموعی طور پر، سمجھ کرسرمایہ کاری کے فوائد اور باخبر سرمایہ کاری کے فیصلے کرتے ہوئے، افراد اپنے مالی اہداف حاصل کر سکتے ہیں اور اپنے مالی مستقبل کو محفوظ بنا سکتے ہیں۔

2023 میں سرمایہ کاری کے لیے بہترین میوچل فنڈز

میوچل فنڈز میں سرمایہ کاری وقت کے ساتھ آپ کے پیسے بڑھانے کے بہترین طریقوں میں سے ایک ہے۔ جیسے جیسے بازار بڑھتے اور گرتے ہیں، متنوع پورٹ فولیو کا ہونا جس میں سرمایہ کاری جیسے میوچل فنڈز شامل ہوتے ہیں، مارکیٹ میں مندی کے دوران آپ کو ہونے والے نقصانات کو دور کرنے میں مدد مل سکتی ہے۔ 2023 کے لیے درج ذیل کچھ اعلیٰ درجہ کے میوچل فنڈز ہیں جن پر آپ کو سرمایہ کاری کرنے پر غور کرنا چاہیے۔

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
SBI PSU Fund Growth	₹35.398 ↑ 0.50	₹5,817	500	5	13.6	21.6	32.8	28.6	11.3
ICICI Prudential Infrastructure Fund Growth	₹197.51 ↑ 1.34	₹8,134	100	-1.5	2.9	11.3	25.6	28	6.7
Invesco India PSU Equity Fund Growth	₹67.71 ↑ 0.48	₹1,449	500	1.5	9.3	21.3	32.1	27.1	10.3
DSP World Gold Fund Growth	₹59.9338 ↑ 1.72	₹1,756	500	40.2	94.3	155.6	51.3	26.6	167.1
HDFC Infrastructure Fund Growth	₹47.738 ↑ 0.42	₹2,452	300	-2.2	0.9	10.2	27.3	24.8	2.2
DSP India T.I.G.E.R Fund Growth	₹318.763 ↑ 4.00	₹5,323	500	-0.2	2.6	11.2	25.7	24.7	-2.5
Nippon India Power and Infra Fund Growth	₹346.824 ↑ 5.25	₹7,117	100	-2.5	1.6	9.7	26.7	24.5	-0.5
LIC MF Infrastructure Fund Growth	₹49.8427 ↑ 0.68	₹1,003	1,000	-2.5	1	11.9	29	24.3	-3.7
Franklin Build India Fund Growth	₹146.357 ↑ 1.86	₹3,036	500	0.6	4	12.7	27.4	24.1	3.7
Canara Robeco Infrastructure Growth	₹161.24 ↑ 1.62	₹894	1,000	-1.9	0.6	12.9	25.8	23.7	0.1
BOI AXA Manufacturing and Infrastructure Fund Growth	₹59.6 ↑ 0.75	₹674	1,000	0.8	6.3	13.8	25.6	23.6	7.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Feb 26

Research Highlights & Commentary of 11 Funds showcased

Commentary	SBI PSU Fund	ICICI Prudential Infrastructure Fund	Invesco India PSU Equity Fund	DSP World Gold Fund	HDFC Infrastructure Fund	DSP India T.I.G.E.R Fund	Nippon India Power and Infra Fund	LIC MF Infrastructure Fund	Franklin Build India Fund	Canara Robeco Infrastructure	BOI AXA Manufacturing and Infrastructure Fund
Point 1	Upper mid AUM (₹5,817 Cr).	Highest AUM (₹8,134 Cr).	Lower mid AUM (₹1,449 Cr).	Lower mid AUM (₹1,756 Cr).	Lower mid AUM (₹2,452 Cr).	Upper mid AUM (₹5,323 Cr).	Top quartile AUM (₹7,117 Cr).	Bottom quartile AUM (₹1,003 Cr).	Upper mid AUM (₹3,036 Cr).	Bottom quartile AUM (₹894 Cr).	Bottom quartile AUM (₹674 Cr).
Point 2	Established history (15+ yrs).	Established history (20+ yrs).	Established history (16+ yrs).	Established history (18+ yrs).	Established history (17+ yrs).	Oldest track record among peers (21 yrs).	Established history (21+ yrs).	Established history (17+ yrs).	Established history (16+ yrs).	Established history (20+ yrs).	Established history (15+ yrs).
Point 3	Rating: 2★ (lower mid).	Rating: 3★ (lower mid).	Rating: 3★ (upper mid).	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 4★ (top quartile).	Rating: 4★ (upper mid).	Not Rated.	Top rated.	Not Rated.	Not Rated.
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.	Risk profile: High.
Point 5	5Y return: 28.57% (top quartile).	5Y return: 27.99% (top quartile).	5Y return: 27.06% (upper mid).	5Y return: 26.60% (upper mid).	5Y return: 24.80% (upper mid).	5Y return: 24.68% (lower mid).	5Y return: 24.52% (lower mid).	5Y return: 24.33% (lower mid).	5Y return: 24.15% (bottom quartile).	5Y return: 23.69% (bottom quartile).	5Y return: 23.63% (bottom quartile).
Point 6	3Y return: 32.80% (top quartile).	3Y return: 25.64% (bottom quartile).	3Y return: 32.09% (upper mid).	3Y return: 51.29% (top quartile).	3Y return: 27.33% (lower mid).	3Y return: 25.65% (bottom quartile).	3Y return: 26.68% (lower mid).	3Y return: 28.98% (upper mid).	3Y return: 27.43% (upper mid).	3Y return: 25.77% (lower mid).	3Y return: 25.64% (bottom quartile).
Point 7	1Y return: 21.61% (top quartile).	1Y return: 11.27% (lower mid).	1Y return: 21.30% (upper mid).	1Y return: 155.59% (top quartile).	1Y return: 10.15% (bottom quartile).	1Y return: 11.20% (bottom quartile).	1Y return: 9.65% (bottom quartile).	1Y return: 11.94% (lower mid).	1Y return: 12.74% (lower mid).	1Y return: 12.94% (upper mid).	1Y return: 13.76% (upper mid).
Point 8	Alpha: -0.22 (lower mid).	Alpha: 0.00 (lower mid).	Alpha: -1.90 (bottom quartile).	Alpha: 1.32 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (top quartile).	Alpha: -15.06 (bottom quartile).	Alpha: -18.43 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (upper mid).
Point 9	Sharpe: 0.33 (top quartile).	Sharpe: 0.12 (upper mid).	Sharpe: 0.27 (upper mid).	Sharpe: 3.42 (top quartile).	Sharpe: -0.12 (lower mid).	Sharpe: -0.31 (bottom quartile).	Sharpe: -0.20 (bottom quartile).	Sharpe: -0.21 (bottom quartile).	Sharpe: -0.05 (lower mid).	Sharpe: -0.18 (lower mid).	Sharpe: 0.18 (upper mid).
Point 10	Information ratio: -0.47 (bottom quartile).	Information ratio: 0.00 (lower mid).	Information ratio: -0.37 (bottom quartile).	Information ratio: -0.67 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.34 (top quartile).	Information ratio: 0.28 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).

SBI PSU Fund

Upper mid AUM (₹5,817 Cr).
Established history (15+ yrs).
Rating: 2★ (lower mid).
Risk profile: High.
5Y return: 28.57% (top quartile).
3Y return: 32.80% (top quartile).
1Y return: 21.61% (top quartile).
Alpha: -0.22 (lower mid).
Sharpe: 0.33 (top quartile).
Information ratio: -0.47 (bottom quartile).

ICICI Prudential Infrastructure Fund

Highest AUM (₹8,134 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 27.99% (top quartile).
3Y return: 25.64% (bottom quartile).
1Y return: 11.27% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.12 (upper mid).
Information ratio: 0.00 (lower mid).

Invesco India PSU Equity Fund

Lower mid AUM (₹1,449 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 27.06% (upper mid).
3Y return: 32.09% (upper mid).
1Y return: 21.30% (upper mid).
Alpha: -1.90 (bottom quartile).
Sharpe: 0.27 (upper mid).
Information ratio: -0.37 (bottom quartile).

DSP World Gold Fund

Lower mid AUM (₹1,756 Cr).
Established history (18+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 26.60% (upper mid).
3Y return: 51.29% (top quartile).
1Y return: 155.59% (top quartile).
Alpha: 1.32 (top quartile).
Sharpe: 3.42 (top quartile).
Information ratio: -0.67 (bottom quartile).

HDFC Infrastructure Fund

Lower mid AUM (₹2,452 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 24.80% (upper mid).
3Y return: 27.33% (lower mid).
1Y return: 10.15% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.12 (lower mid).
Information ratio: 0.00 (upper mid).

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

Upper mid AUM (₹5,323 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (top quartile).
Risk profile: High.
5Y return: 24.68% (lower mid).
3Y return: 25.65% (bottom quartile).
1Y return: 11.20% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: -0.31 (bottom quartile).
Information ratio: 0.00 (upper mid).

Nippon India Power and Infra Fund

Top quartile AUM (₹7,117 Cr).
Established history (21+ yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 24.52% (lower mid).
3Y return: 26.68% (lower mid).
1Y return: 9.65% (bottom quartile).
Alpha: -15.06 (bottom quartile).
Sharpe: -0.20 (bottom quartile).
Information ratio: 0.34 (top quartile).

LIC MF Infrastructure Fund

Bottom quartile AUM (₹1,003 Cr).
Established history (17+ yrs).
Not Rated.
Risk profile: High.
5Y return: 24.33% (lower mid).
3Y return: 28.98% (upper mid).
1Y return: 11.94% (lower mid).
Alpha: -18.43 (bottom quartile).
Sharpe: -0.21 (bottom quartile).
Information ratio: 0.28 (top quartile).

Franklin Build India Fund

Upper mid AUM (₹3,036 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: High.
5Y return: 24.15% (bottom quartile).
3Y return: 27.43% (upper mid).
1Y return: 12.74% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.05 (lower mid).
Information ratio: 0.00 (upper mid).

Canara Robeco Infrastructure

Bottom quartile AUM (₹894 Cr).
Established history (20+ yrs).
Not Rated.
Risk profile: High.
5Y return: 23.69% (bottom quartile).
3Y return: 25.77% (lower mid).
1Y return: 12.94% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.18 (lower mid).
Information ratio: 0.00 (lower mid).

BOI AXA Manufacturing and Infrastructure Fund

Bottom quartile AUM (₹674 Cr).
Established history (15+ yrs).
Not Rated.
Risk profile: High.
5Y return: 23.63% (bottom quartile).
3Y return: 25.64% (bottom quartile).
1Y return: 13.76% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.18 (upper mid).
Information ratio: 0.00 (lower mid).

*کی فہرستبہترین باہمی فنڈز گھونٹکے پاس خالص اثاثے/ AUM سے زیادہ ہیں۔200 کروڑ میوچل فنڈز کی ایکویٹی کیٹیگری میں 5 سالہ کیلنڈر سال کے ریٹرن کی بنیاد پر آرڈر کیا گیا ہے۔

1. SBI PSU Fund

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

Research Highlights for SBI PSU Fund

Upper mid AUM (₹5,817 Cr).
Established history (15+ yrs).
Rating: 2★ (lower mid).
Risk profile: High.
5Y return: 28.57% (top quartile).
3Y return: 32.80% (top quartile).
1Y return: 21.61% (top quartile).
Alpha: -0.22 (lower mid).
Sharpe: 0.33 (top quartile).
Information ratio: -0.47 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~16.8%).

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (04 Feb 26)	₹35.398 ↑ 0.50 (1.43 %)
Net Assets (Cr)	₹5,817 on 31 Dec 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0.33
Information Ratio	-0.47
Alpha Ratio	-0.22
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹14,656
31 Jan 23	₹17,067
31 Jan 24	₹30,032
31 Jan 25	₹32,242
31 Jan 26	₹38,028

SBI PSU Fund SIP Returns

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

Returns for 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 4 Feb 26

Duration	Returns
1 Month	2.3%
3 Month	5%
6 Month	13.6%
1 Year	21.6%
3 Year	32.8%
5 Year	28.6%
10 Year
15 Year
Since launch	8.5%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for SBI PSU Fund

Name	Since	Tenure
Rohit Shimpi	1 Jun 24	1.59 Yr.

Data below for SBI PSU Fund as on 31 Dec 25

Equity Sector Allocation

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

Asset Allocation

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

Top Securities Holdings / Portfolio

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

2. 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 (₹8,134 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 27.99% (top quartile).
3Y return: 25.64% (bottom quartile).
1Y return: 11.27% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.12 (upper mid).
Information ratio: 0.00 (lower mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding Larsen & Toubro Ltd (~8.8%).

Below is the key information for ICICI Prudential Infrastructure Fund

ICICI Prudential Infrastructure Fund Growth
Launch Date	31 Aug 05
NAV (04 Feb 26)	₹197.51 ↑ 1.34 (0.68 %)
Net Assets (Cr)	₹8,134 on 31 Dec 25
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0.12
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹16,042
31 Jan 23	₹19,152
31 Jan 24	₹29,825
31 Jan 25	₹34,393
31 Jan 26	₹36,891

ICICI Prudential Infrastructure Fund SIP Returns

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

Returns for 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 4 Feb 26

Duration	Returns
1 Month	-1.6%
3 Month	-1.5%
6 Month	2.9%
1 Year	11.3%
3 Year	25.6%
5 Year	28%
10 Year
15 Year
Since launch	15.7%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for ICICI Prudential Infrastructure Fund

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

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

Equity Sector Allocation

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

Asset Allocation

Asset Class	Value
Cash	3.15%
Equity	96.85%

Top Securities Holdings / Portfolio

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

3. 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

Lower mid AUM (₹1,449 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 27.06% (upper mid).
3Y return: 32.09% (upper mid).
1Y return: 21.30% (upper mid).
Alpha: -1.90 (bottom quartile).
Sharpe: 0.27 (upper mid).
Information ratio: -0.37 (bottom quartile).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding State Bank of India (~9.4%).

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund Growth
Launch Date	18 Nov 09
NAV (04 Feb 26)	₹67.71 ↑ 0.48 (0.71 %)
Net Assets (Cr)	₹1,449 on 31 Dec 25
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.14
Sharpe Ratio	0.27
Information Ratio	-0.37
Alpha Ratio	-1.9
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹13,872
31 Jan 23	₹15,622
31 Jan 24	₹26,577
31 Jan 25	₹29,948
31 Jan 26	₹35,297

Invesco India PSU Equity Fund SIP Returns

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

Returns for 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 4 Feb 26

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	9.3%
1 Year	21.3%
3 Year	32.1%
5 Year	27.1%
10 Year
15 Year
Since launch	12.5%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Invesco India PSU Equity Fund

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

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

Equity Sector Allocation

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

Asset Allocation

Asset Class	Value
Cash	1.76%
Equity	98.24%

Top Securities Holdings / Portfolio

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

4. 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 (₹1,756 Cr).
Established history (18+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 26.60% (upper mid).
3Y return: 51.29% (top quartile).
1Y return: 155.59% (top quartile).
Alpha: 1.32 (top quartile).
Sharpe: 3.42 (top quartile).
Information ratio: -0.67 (bottom quartile).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding BGF World Gold I2 (~73.7%).
Top-3 holdings concentration ~100.4%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (03 Feb 26)	₹59.9338 ↑ 1.72 (2.95 %)
Net Assets (Cr)	₹1,756 on 31 Dec 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	3.42
Information Ratio	-0.67
Alpha Ratio	1.32
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹8,807
31 Jan 23	₹9,422
31 Jan 24	₹8,517
31 Jan 25	₹12,548
31 Jan 26	₹33,170

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 4 Feb 26

Duration	Returns
1 Month	13.6%
3 Month	40.2%
6 Month	94.3%
1 Year	155.6%
3 Year	51.3%
5 Year	26.6%
10 Year
15 Year
Since launch	10.2%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for DSP World Gold Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	12.85 Yr.

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

Equity Sector Allocation

Sector	Value
Basic Materials	94.95%

Asset Allocation

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

Top Securities Holdings / Portfolio

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

5. HDFC Infrastructure Fund

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

Research Highlights for HDFC Infrastructure Fund

Lower mid AUM (₹2,452 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 24.80% (upper mid).
3Y return: 27.33% (lower mid).
1Y return: 10.15% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.12 (lower mid).
Information ratio: 0.00 (upper mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding Larsen & Toubro Ltd (~6.6%).

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund Growth
Launch Date	10 Mar 08
NAV (04 Feb 26)	₹47.738 ↑ 0.42 (0.89 %)
Net Assets (Cr)	₹2,452 on 31 Dec 25
Category	Equity - Sectoral
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	2.06
Sharpe Ratio	-0.13
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹15,059
31 Jan 23	₹16,950
31 Jan 24	₹28,499
31 Jan 25	₹31,485
31 Jan 26	₹33,227

HDFC 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 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 4 Feb 26

Duration	Returns
1 Month	-1%
3 Month	-2.2%
6 Month	0.9%
1 Year	10.2%
3 Year	27.3%
5 Year	24.8%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

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

Fund Manager information for HDFC Infrastructure Fund

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

Data below for HDFC Infrastructure Fund as on 31 Dec 25

Equity Sector Allocation

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

Asset Allocation

Asset Class	Value
Cash	4.88%
Equity	95.12%

Top Securities Holdings / Portfolio

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

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

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

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

Upper mid AUM (₹5,323 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (top quartile).
Risk profile: High.
5Y return: 24.68% (lower mid).
3Y return: 25.65% (bottom quartile).
1Y return: 11.20% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: -0.31 (bottom quartile).
Information ratio: 0.00 (upper mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Larsen & Toubro Ltd (~5.3%).

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

DSP India T.I.G.E.R Fund Growth
Launch Date	11 Jun 04
NAV (04 Feb 26)	₹318.763 ↑ 4.00 (1.27 %)
Net Assets (Cr)	₹5,323 on 31 Dec 25
Category	Equity - Sectoral
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.31
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹15,028
31 Jan 23	₹16,816
31 Jan 24	₹26,495
31 Jan 25	₹30,221
31 Jan 26	₹31,981

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 4 Feb 26

Duration	Returns
1 Month	0.1%
3 Month	-0.2%
6 Month	2.6%
1 Year	11.2%
3 Year	25.7%
5 Year	24.7%
10 Year
15 Year
Since launch	17.3%

Historical performance (Yearly) on absolute basis

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

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

Name	Since	Tenure
Rohit Singhania	21 Jun 10	15.54 Yr.

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

Equity Sector Allocation

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

Asset Allocation

Asset Class	Value
Cash	3.89%
Equity	96.11%

Top Securities Holdings / Portfolio

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

7. Nippon India Power and Infra Fund

(Erstwhile Reliance Diversified Power Sector Fund)

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

Research Highlights for Nippon India Power and Infra Fund

Top quartile AUM (₹7,117 Cr).
Established history (21+ yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 24.52% (lower mid).
3Y return: 26.68% (lower mid).
1Y return: 9.65% (bottom quartile).
Alpha: -15.06 (bottom quartile).
Sharpe: -0.20 (bottom quartile).
Information ratio: 0.34 (top quartile).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~100%).
Largest holding Reliance Industries Ltd (~10.0%).

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

Nippon India Power and Infra Fund Growth
Launch Date	8 May 04
NAV (04 Feb 26)	₹346.824 ↑ 5.25 (1.54 %)
Net Assets (Cr)	₹7,117 on 31 Dec 25
Category	Equity - Sectoral
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.85
Sharpe Ratio	-0.2
Information Ratio	0.34
Alpha Ratio	-15.06
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹14,955
31 Jan 23	₹16,453
31 Jan 24	₹27,930
31 Jan 25	₹30,936
31 Jan 26	₹31,936

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 4 Feb 26

Duration	Returns
1 Month	-1.8%
3 Month	-2.5%
6 Month	1.6%
1 Year	9.7%
3 Year	26.7%
5 Year	24.5%
10 Year
15 Year
Since launch	17.7%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Nippon India Power and Infra Fund

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

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

Equity Sector Allocation

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

Asset Allocation

Asset Class	Value
Cash	0.43%
Equity	99.57%

Top Securities Holdings / Portfolio

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

8. 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 (₹1,003 Cr).
Established history (17+ yrs).
Not Rated.
Risk profile: High.
5Y return: 24.33% (lower mid).
3Y return: 28.98% (upper mid).
1Y return: 11.94% (lower mid).
Alpha: -18.43 (bottom quartile).
Sharpe: -0.21 (bottom quartile).
Information ratio: 0.28 (top quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Shakti Pumps (India) Ltd (~5.0%).

Below is the key information for LIC MF Infrastructure Fund

LIC MF Infrastructure Fund Growth
Launch Date	29 Feb 08
NAV (04 Feb 26)	₹49.8427 ↑ 0.68 (1.37 %)
Net Assets (Cr)	₹1,003 on 31 Dec 25
Category	Equity - Sectoral
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	Not Rated
Risk	High
Expense Ratio	2.21
Sharpe Ratio	-0.21
Information Ratio	0.28
Alpha Ratio	-18.43
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 Jan 21	₹10,000
31 Jan 22	₹15,011
31 Jan 23	₹15,567
31 Jan 24	₹24,683
31 Jan 25	₹30,671
31 Jan 26	₹31,739

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 4 Feb 26

Duration	Returns
1 Month	-0.8%
3 Month	-2.5%
6 Month	1%
1 Year	11.9%
3 Year	29%
5 Year	24.3%
10 Year
15 Year
Since launch	9.4%

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
Yogesh Patil	18 Sep 20	5.29 Yr.
Mahesh Bendre	1 Jul 24	1.5 Yr.

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

Equity Sector Allocation

Sector	Value
Industrials	47.89%
Consumer Cyclical	13.2%
Basic Materials	9.06%
Financial Services	6.21%
Utility	5.93%
Technology	3.68%
Real Estate	3.55%
Communication Services	3.18%
Health Care	3.07%

Asset Allocation

Asset Class	Value
Cash	4.22%
Equity	95.78%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shakti Pumps (India) Ltd (Industrials) Equity, Since 31 Mar 24 \| SHAKTIPUMP	5%	₹50 Cr	686,379 ↓ -7,478
Tata Motors Ltd (Consumer Cyclical) Equity, Since 31 Oct 25 \| TMCV	5%	₹45 Cr	1,088,395 ↓ -159,564
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Apr 09 \| LT	4%	₹44 Cr	108,403 ↓ -1,181
REC Ltd (Financial Services) Equity, Since 31 Jul 23 \| 532955	3%	₹32 Cr	901,191 ↓ -9,818
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 30 Jun 25 \| APOLLOHOSP	3%	₹31 Cr	43,674 ↓ -475
Garware Hi-Tech Films Ltd (Basic Materials) Equity, Since 31 Aug 23 \| 500655	3%	₹29 Cr	93,271 ↓ -1,016
Mahindra Lifespace Developers Ltd (Real Estate) Equity, Since 30 Jun 24 \| MAHLIFE	3%	₹26 Cr	659,065 ↓ -7,180
Avalon Technologies Ltd (Technology) Equity, Since 31 Jul 23 \| AVALON	3%	₹25 Cr	289,118 ↑ 2,984
Cummins India Ltd (Industrials) Equity, Since 31 May 21 \| 500480	3%	₹25 Cr	56,889 ↓ -619
Bharat Bijlee Ltd (Industrials) Equity, Since 31 Jul 22 \| BBL	2%	₹25 Cr	92,624 ↓ -1,009

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 (₹3,036 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: High.
5Y return: 24.15% (bottom quartile).
3Y return: 27.43% (upper mid).
1Y return: 12.74% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.05 (lower mid).
Information ratio: 0.00 (upper mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding Larsen & Toubro Ltd (~8.9%).

Below is the key information for Franklin Build India Fund

Franklin Build India Fund Growth
Launch Date	4 Sep 09
NAV (04 Feb 26)	₹146.357 ↑ 1.86 (1.29 %)
Net Assets (Cr)	₹3,036 on 31 Dec 25
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	2.01
Sharpe Ratio	-0.05
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹14,734
31 Jan 23	₹15,797
31 Jan 24	₹25,867
31 Jan 25	₹29,250
31 Jan 26	₹31,672

Franklin Build India 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 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 4 Feb 26

Duration	Returns
1 Month	0.3%
3 Month	0.6%
6 Month	4%
1 Year	12.7%
3 Year	27.4%
5 Year	24.1%
10 Year
15 Year
Since launch	17.8%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Franklin Build India Fund

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

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

Equity Sector Allocation

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

Asset Allocation

Asset Class	Value
Cash	2.97%
Equity	97.03%

Top Securities Holdings / Portfolio

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

10. 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 (₹894 Cr).
Established history (20+ yrs).
Not Rated.
Risk profile: High.
5Y return: 23.69% (bottom quartile).
3Y return: 25.77% (lower mid).
1Y return: 12.94% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.18 (lower mid).
Information ratio: 0.00 (lower mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Larsen & Toubro Ltd (~10.0%).

Below is the key information for Canara Robeco Infrastructure

Canara Robeco Infrastructure Growth
Launch Date	2 Dec 05
NAV (04 Feb 26)	₹161.24 ↑ 1.62 (1.01 %)
Net Assets (Cr)	₹894 on 31 Dec 25
Category	Equity - Sectoral
AMC	Canara Robeco Asset Management Co. Ltd.
Rating	Not Rated
Risk	High
Expense Ratio	2.32
Sharpe Ratio	-0.18
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 Jan 21	₹10,000
31 Jan 22	₹15,478
31 Jan 23	₹16,229
31 Jan 24	₹24,420
31 Jan 25	₹29,225
31 Jan 26	₹31,221

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 4 Feb 26

Duration	Returns
1 Month	0.5%
3 Month	-1.9%
6 Month	0.6%
1 Year	12.9%
3 Year	25.8%
5 Year	23.7%
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	4.52 Yr.
Shridatta Bhandwaldar	29 Sep 18	7.26 Yr.

Data below for Canara Robeco Infrastructure as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	45.69%
Utility	12.07%
Basic Materials	9.54%
Energy	9.39%
Financial Services	7.49%
Technology	4.06%
Communication Services	3.22%
Consumer Cyclical	3.04%
Real Estate	1.29%

Asset Allocation

Asset Class	Value
Cash	4.21%
Equity	95.79%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 28 Feb 11 \| LT	10%	₹89 Cr	217,901 ↓ -5,000
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 22 \| RELIANCE	5%	₹46 Cr	291,750 ↑ 12,500
State Bank of India (Financial Services) Equity, Since 31 Jul 24 \| SBIN	5%	₹43 Cr	442,500
NTPC Ltd (Utilities) Equity, Since 30 Nov 18 \| 532555	4%	₹36 Cr	1,106,480 ↑ 40,000
Bharat Electronics Ltd (Industrials) Equity, Since 31 Jul 19 \| BEL	4%	₹36 Cr	894,000 ↑ 25,000
GE Vernova T&D India Ltd (Industrials) Equity, Since 31 Jan 24 \| 522275	4%	₹31 Cr	99,985 ↓ -5,200
Tata Power Co Ltd (Utilities) Equity, Since 30 Sep 24 \| 500400	3%	₹31 Cr	810,000 ↑ 25,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Jan 23 \| INDIGO	3%	₹29 Cr	58,250
Bharti Airtel Ltd (Communication Services) Equity, Since 31 May 24 \| BHARTIARTL	3%	₹29 Cr	136,600
CG Power & Industrial Solutions Ltd (Industrials) Equity, Since 31 Oct 23 \| 500093	3%	₹29 Cr	440,650 ↑ 27,500

11. BOI AXA Manufacturing and Infrastructure Fund

The Scheme seeks to generate long term capital appreciation through a portfolio of predominantly equity and equity related securities of companies engaged in manufacturing and infrastructure and related sectors. Further, there can be no assurance that the investment objectives of the scheme will be realized. The Scheme is not providing any assured or guaranteed returns

Research Highlights for BOI AXA Manufacturing and Infrastructure Fund

Bottom quartile AUM (₹674 Cr).
Established history (15+ yrs).
Not Rated.
Risk profile: High.
5Y return: 23.63% (bottom quartile).
3Y return: 25.64% (bottom quartile).
1Y return: 13.76% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.18 (upper mid).
Information ratio: 0.00 (lower mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding Larsen & Toubro Ltd (~9.2%).

Below is the key information for BOI AXA Manufacturing and Infrastructure Fund

BOI AXA Manufacturing and Infrastructure Fund Growth
Launch Date	5 Mar 10
NAV (04 Feb 26)	₹59.6 ↑ 0.75 (1.27 %)
Net Assets (Cr)	₹674 on 31 Dec 25
Category	Equity - Sectoral
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	Not Rated
Risk	High
Expense Ratio	2.4
Sharpe Ratio	0.18
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 Jan 21	₹10,000
31 Jan 22	₹15,034
31 Jan 23	₹15,539
31 Jan 24	₹23,755
31 Jan 25	₹27,086
31 Jan 26	₹29,861

BOI AXA Manufacturing and 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 BOI AXA Manufacturing and 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 4 Feb 26

Duration	Returns
1 Month	-1.5%
3 Month	0.8%
6 Month	6.3%
1 Year	13.8%
3 Year	25.6%
5 Year	23.6%
10 Year
15 Year
Since launch	11.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.8%
2023	25.7%
2022	44.7%
2021	3.3%
2020	52.5%
2019	28.1%
2018	2.5%
2017	-22.8%
2016	56%
2015	1%

Fund Manager information for BOI AXA Manufacturing and Infrastructure Fund

Name	Since	Tenure
Nitin Gosar	27 Sep 22	3.26 Yr.

Data below for BOI AXA Manufacturing and Infrastructure Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	29.73%
Basic Materials	17.25%
Consumer Cyclical	15.33%
Energy	9.98%
Health Care	8.43%
Utility	4.93%
Real Estate	3.21%
Communication Services	2.91%
Consumer Defensive	1.84%

Asset Allocation

Asset Class	Value
Cash	6.4%
Equity	93.6%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Mar 10 \| LT	9%	₹62 Cr	151,115
Reliance Industries Ltd (Energy) Equity, Since 31 Oct 20 \| RELIANCE	8%	₹53 Cr	337,740 ↑ 10,786
Vedanta Ltd (Basic Materials) Equity, Since 31 Mar 24 \| 500295	6%	₹41 Cr	678,238 ↑ 96,357
NTPC Ltd (Utilities) Equity, Since 31 May 21 \| 532555	5%	₹33 Cr	1,006,566
Lloyds Metals & Energy Ltd (Basic Materials) Equity, Since 30 Nov 24 \| 512455	4%	₹24 Cr	178,702
Hero MotoCorp Ltd (Consumer Cyclical) Equity, Since 30 Nov 23 \| HEROMOTOCO	3%	₹23 Cr	39,215 ↓ -13,179
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Dec 22 \| BHARTIARTL	3%	₹20 Cr	92,989
Stylam Industries Ltd (Consumer Cyclical) Equity, Since 30 Apr 25 \| 526951	3%	₹19 Cr	83,372 ↓ -7,190
Eris Lifesciences Ltd Registered Shs (Healthcare) Equity, Since 31 Jul 23 \| ERIS	3%	₹18 Cr	116,537 ↑ 4,015
Aurobindo Pharma Ltd (Healthcare) Equity, Since 31 May 25 \| AUROPHARMA	3%	₹17 Cr	144,862 ↑ 16,098

نتیجہ

جب سرمایہ کاری کے فیصلے کرنے کی بات آتی ہے، تو یہ ضروری ہے کہ آپ کو دستیاب اختیارات کی ٹھوس سمجھ ہو۔ ETFs اور میوچل فنڈز میں سرمایہ کاری متنوع پورٹ فولیو پیش کر سکتی ہے، لیکن اپنے مالی اہداف کا اندازہ لگانا بہت ضروری ہے،خطرے کی رواداریاور سرمایہ کاری کا کوئی فیصلہ کرنے سے پہلے وقت کا افق۔ مناسب رہنمائی یا پیشہ ورانہ مدد کے بغیر، سرمایہ کاری کی پیچیدہ دنیا میں تشریف لانا مشکل ہو سکتا ہے۔

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۔