+91-22-48913909این آر آئیز ہندوستان میں میوچل فنڈز میں کیسے سرمایہ کاری کرسکتے ہیں؟
باہمی چندہ غیر رہائشی ہندوستانیوں (NRIs) کے لیے فوائد حاصل کرنے اور ملک کی ترقی میں حصہ لینے کے لیے سرمایہ کاری کے اچھے اختیارات ہیں۔ این آر آئیز اپنے مطابق میوچل فنڈ اسکیموں میں سرمایہ کاری کرسکتے ہیں۔مالی اہداف اور مقاصد. سرمایہ کاری کے پورٹ فولیو کو متنوع بنانے اور وقت کے ساتھ ساتھ زیادہ سے زیادہ منافع کمانے کے لیے میوچل فنڈز ایک بہترین آپشن ہیں۔ تاہم، ہندوستان میں میوچل فنڈز میں سرمایہ کاری شروع کرنے کے لیے کچھ اہم رہنما خطوط اور قواعد ہیں جن پر عمل کرنے کی ضرورت ہے۔
این آر آئیز کے لیے میوچل فنڈز میں سرمایہ کاری
کومیوچل فنڈز میں سرمایہ کاری کریں۔ ہندوستان میں کسی کو مندرجہ ذیل اکاؤنٹس میں سے کوئی ایک ہندوستانی کے ساتھ کھولنا ہے۔بینک:
NRE اکاؤنٹ
یہ غیر رہائشی بیرونی (NRE) اکاؤنٹ ہے جو بچت، موجودہ، فکسڈ یاریکرنگ ڈپازٹ. آپ کو اس اکاؤنٹ میں غیر ملکی کرنسی جمع کرنے کی ضرورت ہے۔ ہندوستانی کرنسی جمع کرنے کے قابل ہونے کے لیے، آپ کو NRO اکاؤنٹ کھولنا ہوگا۔ NRE اکاؤنٹ میں لین دین کی رقم کی کوئی بالائی حد نہیں ہے۔
این آر او اکاؤنٹ
این آر او یا غیر رہائشی عام اکاؤنٹ بچت یا کرنٹ اکاؤنٹ کی شکل میں ہے جو این آر آئیز کے لیے ہے کہ وہ اپنےآمدنی ہندوستان میں کمایا۔ NRO اکاؤنٹ میں، غیر ملکی کرنسی جمع ہونے کے بعد ہندوستانی روپے میں تبدیل ہو جاتی ہے۔ ایک این آر او اکاؤنٹ دوسرے این آر آئی کے ساتھ ساتھ رہائشی ہندوستانی (قریبی رشتہ داروں) کے ساتھ مشترکہ طور پر رکھا جا سکتا ہے۔
ایف سی این آر اکاؤنٹ
اس کا مطلب ہے غیر ملکی کرنسی نان ریپیٹری ایبل اکاؤنٹ ڈپازٹس۔ اس اکاؤنٹ میں، NRIs اپنی رقم بھیج سکتے ہیں۔کمائی چھ کرنسیوں میں سے کسی ایک میں جیسے کینیڈین $، US$، یورو، AU$، Yen، اور پاؤنڈ۔ فنڈز دوسرے FCNR یا NRE اکاؤنٹس سے منتقل کیے جا سکتے ہیں۔ FCNR میں، پرنسپل اور سود پر کوئی ٹیکس جمع نہیں ہوتا ہے۔
ایک بار جب آپ ان میں سے کوئی بھی اکاؤنٹ کھولتے ہیں، تو آپ کو KYC کے اصولوں کے تحت، جو کہ اس کے ذریعہ ترتیب دیا گیا ہے، کامیابی کے ساتھ اپنا KYC (اپنے صارف کو جانیں) مکمل کرنا ہوگا۔SEBI (سیکیورٹیز ایکسچینج بورڈ آف انڈیا)۔ کوئی بھی SEBI کے رجسٹرڈ انٹرمیڈیٹس میں سے کسی کے ساتھ اپنا KYC مکمل کر سکتا ہے۔
این آر آئیز کے لیے میوچل فنڈز میں سرمایہ کاری کے لیے KYC کا طریقہ کار
اپنے KYC طریقہ کار کو کامیابی کے ساتھ مکمل کرنے کے لیے، NRIs کو کچھ اہم مراحل کو مکمل کرنے اور دستاویزات پیش کرنے کی ضرورت ہے جیسے:
a KYC فارم
ایک این آر آئی کو جمع کرانے کی ضرورت ہے۔KYC فارم SEBI رجسٹرڈ انٹرمیڈیٹ میں بھری ہوئی تمام ضروری تفصیلات کے ساتھ۔ دستاویزات انٹرمیڈیٹ کو بذریعہ کورئیر/پوسٹ بھیجی جا سکتی ہیں۔
ب دستاویزات
درج ذیل ضروری دستاویزات ہیں جو جمع کرنے کی ضرورت ہے:
- بیرون ملک ایڈریس کا ثبوت
- ہندوستانی رہائشی ایڈریس کا ثبوت
- ایک حالیہ تصویر
- پاسپورٹ کاپی
مرچنٹ نیوی میں NRIs کی صورت میں، میرینر کا اعلامیہ یا کنٹینیوئس ڈسچارج سرٹیفکیٹ کی تصدیق شدہ کاپی جمع کرانی ہوگی۔
بمقابلہ سرٹیفیکیٹ
NRIs یا PIOs (Person of India Origin) مندرجہ بالا دستاویزات بھارت میں رجسٹرڈ شیڈول کمرشل بینکوں کی بیرون ملک مقیم شاخوں کے مجاز عہدیداروں، جج، کورٹ مجسٹریٹ، پبلک نوٹریز، یا ملک میں ہندوستانی سفارت خانہ/قونصلیٹ جنرل سے تصدیق شدہ حاصل کر سکتے ہیں۔ واقع ہیں.
d ذاتی تصدیق میں (IPV)
SEBI کے قوانین کے مطابق، KYC کے عمل کے لیے IPV لازمی ہے۔ انٹرمیڈیٹ کو NRIs/PIOs کا IPV کرنا چاہیے۔
براہ کرم نوٹ کریں کہ جمع کراتے وقت مذکورہ بالا تمام دستاویزات/ ثبوت انگریزی زبان میں ہونے چاہئیں۔
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این آر آئی میوچل فنڈ ٹیکسیشن
سرمایہ مالی سال 2017-18 (تشخیص سال 2018-19) کے لیے این آر آئی میوچل فنڈ کی سرمایہ کاری پر ٹیکس کی شرحیں درج ذیل ہیں:
این آر آئیمیوچل فنڈز پر ٹیکس-کیپٹل گینز ٹیکس کی شرحیں- مالی سال 2017/2018 (AY- 2018-19)
| میوچل فنڈ اسکیم کی اقسام | شارٹ ٹرم کیپیٹل گینز (STCG) | طویل مدتی کیپیٹل گینز (LTCG) |
|---|---|---|
| ایکویٹی فنڈز- STCG- اکائیاں ایک سال سے کم یا اس کے برابر، LTCG- اکائیاں ایک سال سے زیادہ منعقد ہوئیں | 15% | صفر |
| غیر ایکویٹی فنڈز- STCG- 3 سال یا اس سے کم کے لیے رکھے گئے یونٹس، LTCG- 3 سال سے زیادہ کے لیے رکھے گئے یونٹس | فرد کے مطابقانکم ٹیکس بریکٹ | لسٹڈ فنڈز پر - 20% (اشاریہ کے ساتھ)، غیر فہرست شدہ فنڈز- 10% (بغیر اشاریہ کے) |
منافع پر میوچل فنڈ ٹیکس
ایکویٹی فنڈز پر منافع: ایکویٹی فنڈز کے لیے یونٹ ہولڈر کے ہاتھ میں ملنے والا ڈیویڈنڈ مکمل طور پر ٹیکس سے پاک ہے۔ ڈیویڈنڈ بھی ٹیکس سے پاک ہے۔اے ایم سی.
ڈیبیٹ فنڈز پر منافع: AMC کو اس ڈیویڈنڈ آمدنی کو اپنے یونٹ ہولڈرز میں تقسیم کرنے سے پہلے 28.84% کا ڈیویڈنڈ ڈسٹری بیوشن ٹیکس (DDT) ادا کرنا ہوگا۔ a کی طرف سے موصول ہونے والی ڈیویڈنڈ آمدنیقرض فنڈ یونٹ ہولڈر بھی ٹیکس سے پاک ہے۔
ذیل میں AY 2018-19 کے لیے NRIs کے ذریعے MF کی ادائیگی پر لاگو TDS کی شرح ہے۔
میوچل فنڈز پر این آر آئی ٹیکسیشن- کیپیٹل گینز ٹیکس کی شرحیں- مالی سال 2017/2018 (AY- 2018-19)
| این آر آئیز اور ٹی ڈی ایس کی شرح کے ذریعہ میوچل فنڈ کی تلافی | STCG اور TDS کی شرح | LTCG اور TDS کی شرح |
|---|---|---|
| ایم ایف اسکیم کی قسم | ||
| ایکویٹی اورینٹڈ فنڈز | 15% | صفر |
| قرض فنڈز | 30% | لسٹڈ فنڈز پر- 20% (اشاریہ سازی کے ساتھ)، غیر فہرست شدہ فنڈز- 10% (بغیر اشاریہ کے) |
NRI کے لیے بہترین کارکردگی کا مظاہرہ کرنے والے میوچل فنڈز سوائے US/کینیڈا کے
Fund 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Sub Cat. DSP World Gold Fund Growth 41.1 64.8 85.4 51.1 16.2 15.9 Global Franklin India Short Term Income Plan - Retail Plan Growth 192.1 192.1 192.1 47.3 32.5 Short term Bond SBI PSU Fund Growth -1.6 7.3 -6.1 32.3 32.1 23.5 Sectoral Invesco India PSU Equity Fund Growth -2.7 10.7 -5.6 31.6 29.7 25.6 Sectoral SBI Gold Fund Growth 16 28.4 46.9 30.1 16.4 19.6 Gold Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 25 Sep 25 Research Highlights & Commentary of 5 Funds showcased
Commentary DSP World Gold Fund Franklin India Short Term Income Plan - Retail Plan SBI PSU Fund Invesco India PSU Equity Fund SBI Gold Fund Point 1 Lower mid AUM (₹1,421 Cr). Bottom quartile AUM (₹13 Cr). Upper mid AUM (₹5,179 Cr). Bottom quartile AUM (₹1,341 Cr). Highest AUM (₹5,221 Cr). Point 2 Established history (18+ yrs). Oldest track record among peers (23 yrs). Established history (15+ yrs). Established history (15+ yrs). Established history (14+ yrs). Point 3 Top rated. Rating: 2★ (lower mid). Rating: 2★ (bottom quartile). Rating: 3★ (upper mid). Rating: 2★ (bottom quartile). Point 4 Risk profile: High. Risk profile: Moderate. Risk profile: High. Risk profile: High. Risk profile: Moderately High. Point 5 5Y return: 16.23% (bottom quartile). 1Y return: 192.10% (top quartile). 5Y return: 32.15% (upper mid). 5Y return: 29.66% (lower mid). 5Y return: 16.42% (bottom quartile). Point 6 3Y return: 51.11% (top quartile). 1M return: 192.10% (top quartile). 3Y return: 32.30% (lower mid). 3Y return: 31.61% (bottom quartile). 3Y return: 30.14% (bottom quartile). Point 7 1Y return: 85.36% (upper mid). Sharpe: -90.89 (bottom quartile). 1Y return: -6.08% (bottom quartile). 1Y return: -5.63% (bottom quartile). 1Y return: 46.93% (lower mid). Point 8 Alpha: 3.15 (upper mid). Information ratio: -2.42 (bottom quartile). Alpha: -0.35 (bottom quartile). Alpha: 5.81 (top quartile). 1M return: 12.43% (lower mid). Point 9 Sharpe: 1.80 (upper mid). Yield to maturity (debt): 0.00% (upper mid). Sharpe: -0.81 (bottom quartile). Sharpe: -0.58 (lower mid). Alpha: 0.00 (lower mid). Point 10 Information ratio: -1.09 (bottom quartile). Modified duration: 0.00 yrs (upper mid). Information ratio: -0.37 (upper mid). Information ratio: -0.46 (lower mid). Sharpe: 2.58 (top quartile). DSP World Gold Fund
Franklin India Short Term Income Plan - Retail Plan
SBI PSU Fund
Invesco India PSU Equity Fund
SBI Gold Fund
*فنڈز کی فہرست نزولی ترتیب میں گزشتہ 3 سال کے ریٹرن پر مبنی ہے۔
"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." Below is the key information for DSP World Gold Fund Returns up to 1 year are on The objective of the Scheme is to provide investors stable returns by investing in fixed income securities. Research Highlights for Franklin India Short Term Income Plan - Retail Plan Below is the key information for Franklin India Short Term Income Plan - Retail Plan Returns up to 1 year are on 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 Below is the key information for SBI PSU Fund Returns up to 1 year are on 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 Below is the key information for Invesco India PSU Equity Fund Returns up to 1 year are on The scheme seeks to provide returns that closely correspond to returns provided by SBI - ETF Gold (Previously known as SBI GETS). Research Highlights for SBI Gold Fund Below is the key information for SBI Gold Fund Returns up to 1 year are on 1. DSP World Gold Fund
DSP World Gold Fund
Growth Launch Date 14 Sep 07 NAV (25 Sep 25) ₹42.8324 ↓ -0.45 (-1.03 %) Net Assets (Cr) ₹1,421 on 31 Aug 25 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.41 Sharpe Ratio 1.8 Information Ratio -1.09 Alpha Ratio 3.15 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 ₹7,754 31 Aug 22 ₹5,954 31 Aug 23 ₹7,515 31 Aug 24 ₹9,830 31 Aug 25 ₹16,461 Returns for DSP World Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Sep 25 Duration Returns 1 Month 21.4% 3 Month 41.1% 6 Month 64.8% 1 Year 85.4% 3 Year 51.1% 5 Year 16.2% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 15.9% 2023 7% 2022 -7.7% 2021 -9% 2020 31.4% 2019 35.1% 2018 -10.7% 2017 -4% 2016 52.7% 2015 -18.5% Fund Manager information for DSP World Gold Fund
Name Since Tenure Jay Kothari 1 Mar 13 12.51 Yr. Data below for DSP World Gold Fund as on 31 Aug 25
Equity Sector Allocation
Sector Value Basic Materials 95.27% Asset Allocation
Asset Class Value Cash 1.87% Equity 95.34% Debt 0.01% Other 2.79% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Gold I2
Investment Fund | -78% ₹942 Cr 1,578,535
↓ -32,363 VanEck Gold Miners ETF
- | GDX21% ₹259 Cr 573,719 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -1% ₹13 Cr Net Receivables/Payables
Net Current Assets | -0% -₹2 Cr 2. Franklin India Short Term Income Plan - Retail Plan
Franklin India Short Term Income Plan - Retail Plan
Growth Launch Date 31 Jan 02 NAV (02 May 25) ₹15,041.3 ↑ 0.11 (0.00 %) Net Assets (Cr) ₹13 on 31 Mar 25 Category Debt - Short term Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆ Risk Moderate Expense Ratio 0 Sharpe Ratio -90.89 Information Ratio -2.42 Alpha Ratio -6.74 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (0.5%),1 Years and above(NIL) Yield to Maturity 0% Effective Maturity Modified Duration Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹11,291 31 Aug 22 ₹13,279 31 Aug 23 ₹14,459 31 Aug 24 ₹14,459
Purchase not allowed Returns for Franklin India Short Term Income Plan - Retail Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Sep 25 Duration Returns 1 Month 192.1% 3 Month 192.1% 6 Month 192.1% 1 Year 192.1% 3 Year 47.3% 5 Year 32.5% 10 Year 15 Year Since launch 12.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Fund Manager information for Franklin India Short Term Income Plan - Retail Plan
Name Since Tenure Data below for Franklin India Short Term Income Plan - Retail Plan as on 31 Mar 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 3. SBI PSU Fund
SBI PSU Fund
Growth Launch Date 7 Jul 10 NAV (26 Sep 25) ₹31.6467 ↓ -0.38 (-1.17 %) 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 Returns for SBI PSU Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 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 | SBIN14% ₹735 Cr 9,227,500
↑ 650,000 Bharat Electronics Ltd (Industrials)
Equity, Since 30 Jun 24 | BEL9% ₹497 Cr 12,975,000 NTPC Ltd (Utilities)
Equity, Since 31 Jul 10 | 5325559% ₹486 Cr 14,543,244
↑ 2,400,000 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jul 10 | 5328989% ₹481 Cr 16,535,554
↑ 1,400,000 GAIL (India) Ltd (Utilities)
Equity, Since 31 May 24 | 5321559% ₹458 Cr 25,750,000 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 31 Aug 24 | 5005476% ₹319 Cr 9,700,000 Bank of Baroda (Financial Services)
Equity, Since 31 Aug 24 | 5321345% ₹262 Cr 11,000,000 NMDC Ltd (Basic Materials)
Equity, Since 31 Oct 23 | 5263714% ₹198 Cr 27,900,000 Oil India Ltd (Energy)
Equity, Since 31 Mar 24 | OIL3% ₹169 Cr 3,850,000 General Insurance Corp of India (Financial Services)
Equity, Since 31 May 24 | 5407553% ₹163 Cr 4,150,000 4. Invesco India PSU Equity Fund
Invesco India PSU Equity Fund
Growth Launch Date 18 Nov 09 NAV (26 Sep 25) ₹62.73 ↓ -1.05 (-1.65 %) Net Assets (Cr) ₹1,341 on 31 Aug 25 Category Equity - Sectoral AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk High Expense Ratio 2.14 Sharpe Ratio -0.58 Information Ratio -0.46 Alpha Ratio 5.81 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 ₹14,116 31 Aug 22 ₹15,840 31 Aug 23 ₹20,143 31 Aug 24 ₹37,355 31 Aug 25 ₹32,909 Returns for Invesco India PSU Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Sep 25 Duration Returns 1 Month 3.9% 3 Month -2.7% 6 Month 10.7% 1 Year -5.6% 3 Year 31.6% 5 Year 29.7% 10 Year 15 Year Since launch 12.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 25.6% 2023 54.5% 2022 20.5% 2021 31.1% 2020 6.1% 2019 10.1% 2018 -16.9% 2017 24.3% 2016 17.9% 2015 2.5% Fund Manager information for Invesco India PSU Equity Fund
Name Since Tenure Hiten Jain 1 Jul 25 0.17 Yr. Sagar Gandhi 1 Jul 25 0.17 Yr. Data below for Invesco India PSU Equity Fund as on 31 Aug 25
Equity Sector Allocation
Sector Value Utility 27.91% Industrials 27.8% Financial Services 21.95% Energy 16.03% Basic Materials 3.99% Asset Allocation
Asset Class Value Cash 2.33% Equity 97.67% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bharat Electronics Ltd (Industrials)
Equity, Since 31 Mar 17 | BEL9% ₹122 Cr 3,178,489 State Bank of India (Financial Services)
Equity, Since 28 Feb 21 | SBIN8% ₹114 Cr 1,426,314
↑ 61,200 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 30 Sep 18 | 5005478% ₹113 Cr 3,445,961 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 28 Feb 22 | 5328988% ₹105 Cr 3,599,413 NTPC Ltd (Utilities)
Equity, Since 31 May 19 | 5325557% ₹103 Cr 3,085,790 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | HAL7% ₹103 Cr 226,465 Hindustan Petroleum Corp Ltd (Energy)
Equity, Since 30 Nov 23 | HINDPETRO5% ₹65 Cr 1,564,169 NHPC Ltd (Utilities)
Equity, Since 31 Oct 22 | NHPC5% ₹64 Cr 7,649,437
↑ 832,821 NTPC Green Energy Ltd (Utilities)
Equity, Since 30 Nov 24 | NTPCGREEN4% ₹62 Cr 5,911,723 REC Ltd (Financial Services)
Equity, Since 31 Aug 23 | 5329554% ₹59 Cr 1,485,615
↑ 362,125 5. SBI Gold Fund
SBI Gold Fund
Growth Launch Date 12 Sep 11 NAV (26 Sep 25) ₹33.2098 ↓ -0.05 (-0.16 %) Net Assets (Cr) ₹5,221 on 31 Aug 25 Category Gold - Gold AMC SBI Funds Management Private Limited Rating ☆☆ Risk Moderately High Expense Ratio 0.3 Sharpe Ratio 2.58 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 ₹9,019 31 Aug 22 ₹9,649 31 Aug 23 ₹11,136 31 Aug 24 ₹13,336 31 Aug 25 ₹18,695 Returns for SBI Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Sep 25 Duration Returns 1 Month 12.4% 3 Month 16% 6 Month 28.4% 1 Year 46.9% 3 Year 30.1% 5 Year 16.4% 10 Year 15 Year Since launch 8.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 19.6% 2023 14.1% 2022 12.6% 2021 -5.7% 2020 27.4% 2019 22.8% 2018 6.4% 2017 3.5% 2016 10% 2015 -8.1% Fund Manager information for SBI Gold Fund
Name Since Tenure Raviprakash Sharma 12 Sep 11 13.98 Yr. Data below for SBI Gold Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 1.24% Other 98.76% Top Securities Holdings / Portfolio
Name Holding Value Quantity SBI Gold ETF
- | -100% ₹4,750 Cr 560,811,834
↑ 24,600,000 Net Receivable / Payable
CBLO | -1% -₹25 Cr Treps
CBLO/Reverse Repo | -0% ₹14 Cr
امریکہ/کینیڈا سے NRI کے لیے بہترین کارکردگی کا مظاہرہ کرنے والے میوچل فنڈز
Fund 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Sub Cat. UTI Healthcare Fund Growth 0.9 6.8 -0.6 25.3 17.7 42.9 Sectoral UTI Transportation & Logistics Fund Growth 10.5 24.5 -0.6 24.6 27.6 18.7 Sectoral Sundaram Mid Cap Fund Growth -1.8 10.3 -5.1 22.9 26.2 32 Mid Cap Sundaram Infrastructure Advantage Fund Growth -1.9 10.3 -5.7 22.7 27.6 23.8 Sectoral Sundaram Global Advantage Fund Growth 10.4 14.7 21.3 22.6 14.1 13.1 Global 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 5 Funds showcased
Commentary UTI Healthcare Fund UTI Transportation & Logistics Fund Sundaram Mid Cap Fund Sundaram Infrastructure Advantage Fund Sundaram Global Advantage Fund Point 1 Lower mid AUM (₹1,119 Cr). Upper mid AUM (₹3,741 Cr). Highest AUM (₹12,501 Cr). Bottom quartile AUM (₹935 Cr). Bottom quartile AUM (₹130 Cr). Point 2 Oldest track record among peers (26 yrs). Established history (21+ yrs). Established history (23+ yrs). Established history (20+ yrs). Established history (18+ yrs). Point 3 Rating: 1★ (bottom quartile). Rating: 3★ (upper mid). Top rated. Not Rated. Rating: 2★ (lower mid). Point 4 Risk profile: High. Risk profile: High. Risk profile: Moderately High. Risk profile: High. Risk profile: High. Point 5 5Y return: 17.66% (bottom quartile). 5Y return: 27.61% (top quartile). 5Y return: 26.23% (lower mid). 5Y return: 27.60% (upper mid). 5Y return: 14.12% (bottom quartile). Point 6 3Y return: 25.31% (top quartile). 3Y return: 24.59% (upper mid). 3Y return: 22.91% (lower mid). 3Y return: 22.68% (bottom quartile). 3Y return: 22.61% (bottom quartile). Point 7 1Y return: -0.64% (lower mid). 1Y return: -0.61% (upper mid). 1Y return: -5.14% (bottom quartile). 1Y return: -5.67% (bottom quartile). 1Y return: 21.29% (top quartile). Point 8 Alpha: 0.79 (upper mid). Alpha: 0.00 (bottom quartile). Alpha: 2.99 (top quartile). Alpha: 0.29 (lower mid). Alpha: 0.00 (bottom quartile). Point 9 Sharpe: -0.15 (upper mid). Sharpe: -0.33 (bottom quartile). Sharpe: -0.33 (lower mid). Sharpe: -0.48 (bottom quartile). Sharpe: 0.81 (top quartile). Point 10 Information ratio: 0.10 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.22 (top quartile). Information ratio: -0.07 (bottom quartile). Information ratio: 0.00 (bottom quartile). UTI Healthcare Fund
UTI Transportation & Logistics Fund
Sundaram Mid Cap Fund
Sundaram Infrastructure Advantage Fund
Sundaram Global Advantage Fund
*فنڈز کی فہرست نزولی ترتیب میں گزشتہ 3 سال کے ریٹرن پر مبنی ہے۔
(Erstwhile UTI Pharma & Healthcare Fund) The Investment objective of the Scheme is capital appreciation through investments in equities and equity related instruments of the Pharma & Healthcare sectors. Research Highlights for UTI Healthcare Fund Below is the key information for UTI Healthcare Fund Returns up to 1 year are on Investment Objective is “capital appreciation” through investments in stocks of the companies engaged in the transportation and logistics sector. Research Highlights for UTI Transportation & Logistics Fund Below is the key information for UTI Transportation & Logistics Fund Returns up to 1 year are on (Erstwhile Sundaram Select Midcap Fund) To achieve capital appreciation by investing
in diversified stocks that are generally termed
as mid-caps. Research Highlights for Sundaram Mid Cap Fund Below is the key information for Sundaram Mid Cap Fund Returns up to 1 year are on To generate consistent long-term returns by
investing predominantly in
equity/equity-related instruments of
companies engaged either directly or
indirectly in infrastructure- and infrastructure
related activities or expected to benefit from
the growth and development of infrastructure Research Highlights for Sundaram Infrastructure Advantage Fund Below is the key information for Sundaram Infrastructure Advantage Fund Returns up to 1 year are on To achieve capital appreciation by investing in
units of overseas mutual funds and exchange
traded funds, domestic money market
instruments. Income generation may only be
a secondary objective. Research Highlights for Sundaram Global Advantage Fund Below is the key information for Sundaram Global Advantage Fund Returns up to 1 year are on 1. UTI Healthcare Fund
UTI Healthcare Fund
Growth Launch Date 28 Jun 99 NAV (26 Sep 25) ₹285.217 ↓ -5.51 (-1.89 %) Net Assets (Cr) ₹1,119 on 31 Aug 25 Category Equity - Sectoral AMC UTI Asset Management Company Ltd Rating ☆ Risk High Expense Ratio 2.26 Sharpe Ratio -0.15 Information Ratio 0.1 Alpha Ratio 0.79 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 ₹14,183 31 Aug 22 ₹12,385 31 Aug 23 ₹15,093 31 Aug 24 ₹23,487 31 Aug 25 ₹24,105 Returns for UTI Healthcare Fund
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 0.9% 6 Month 6.8% 1 Year -0.6% 3 Year 25.3% 5 Year 17.7% 10 Year 15 Year Since launch 14.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 42.9% 2023 38.2% 2022 -12.3% 2021 19.1% 2020 67.4% 2019 1.2% 2018 -7.5% 2017 6.2% 2016 -9.7% 2015 12.4% Fund Manager information for UTI Healthcare Fund
Name Since Tenure Kamal Gada 2 May 22 3.34 Yr. Data below for UTI Healthcare Fund as on 31 Aug 25
Equity Sector Allocation
Sector Value Health Care 96.62% Basic Materials 1.03% Asset Allocation
Asset Class Value Cash 2.34% Equity 97.66% Top Securities Holdings / Portfolio
Name Holding Value Quantity Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Oct 06 | SUNPHARMA10% ₹113 Cr 661,016 Cipla Ltd (Healthcare)
Equity, Since 31 Jan 03 | 5000875% ₹62 Cr 400,000 Ajanta Pharma Ltd (Healthcare)
Equity, Since 31 Jul 17 | 5323315% ₹55 Cr 200,000
↓ -10,000 Lupin Ltd (Healthcare)
Equity, Since 28 Feb 25 | 5002574% ₹49 Cr 255,000
↑ 55,000 Procter & Gamble Health Ltd (Healthcare)
Equity, Since 31 Dec 20 | PGHL4% ₹47 Cr 80,283 Dr Reddy's Laboratories Ltd (Healthcare)
Equity, Since 28 Feb 18 | DRREDDY4% ₹46 Cr 360,000 Glenmark Pharmaceuticals Ltd (Healthcare)
Equity, Since 31 Mar 24 | 5322964% ₹41 Cr 190,000
↓ -60,000 Fortis Healthcare Ltd (Healthcare)
Equity, Since 31 Dec 20 | 5328433% ₹40 Cr 465,000 Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 30 Apr 21 | APOLLOHOSP3% ₹40 Cr 53,000 Gland Pharma Ltd (Healthcare)
Equity, Since 30 Nov 20 | GLAND3% ₹34 Cr 166,863
↓ -13,137 2. UTI Transportation & Logistics Fund
UTI Transportation & Logistics Fund
Growth Launch Date 11 Apr 04 NAV (26 Sep 25) ₹290.602 ↓ -3.77 (-1.28 %) Net Assets (Cr) ₹3,741 on 31 Aug 25 Category Equity - Sectoral AMC UTI Asset Management Company Ltd Rating ☆☆☆ Risk High Expense Ratio 1.93 Sharpe Ratio -0.33 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 ₹13,657 31 Aug 22 ₹17,744 31 Aug 23 ₹20,391 31 Aug 24 ₹31,974 31 Aug 25 ₹31,399 Returns for UTI Transportation & Logistics Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Sep 25 Duration Returns 1 Month 4% 3 Month 10.5% 6 Month 24.5% 1 Year -0.6% 3 Year 24.6% 5 Year 27.6% 10 Year 15 Year Since launch 17% Historical performance (Yearly) on absolute basis
Year Returns 2024 18.7% 2023 40.1% 2022 14.7% 2021 24.3% 2020 11% 2019 -8.7% 2018 -19.5% 2017 39.6% 2016 4.8% 2015 5.7% Fund Manager information for UTI Transportation & Logistics Fund
Name Since Tenure Sachin Trivedi 22 Sep 16 8.95 Yr. Data below for UTI Transportation & Logistics Fund as on 31 Aug 25
Equity Sector Allocation
Sector Value Consumer Cyclical 78.96% Industrials 16.81% Asset Allocation
Asset Class Value Cash 4.04% Equity 95.82% Debt 0.15% Top Securities Holdings / Portfolio
Name Holding Value Quantity Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 30 Apr 04 | M&M14% ₹498 Cr 1,555,675 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 30 Apr 04 | MARUTI10% ₹342 Cr 271,513 Eicher Motors Ltd (Consumer Cyclical)
Equity, Since 30 Nov 08 | EICHERMOT9% ₹320 Cr 584,527 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Jul 21 | 5433207% ₹249 Cr 8,074,415
↑ 700,000 InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 May 18 | INDIGO6% ₹229 Cr 387,991 Bajaj Auto Ltd (Consumer Cyclical)
Equity, Since 30 Apr 18 | 5329775% ₹192 Cr 239,786 Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 May 13 | ADANIPORTS5% ₹168 Cr 1,226,157 Hero MotoCorp Ltd (Consumer Cyclical)
Equity, Since 31 Mar 12 | HEROMOTOCO4% ₹140 Cr 327,739 Hyundai Motor India Ltd (Consumer Cyclical)
Equity, Since 31 Oct 24 | HYUNDAI4% ₹126 Cr 586,342 Tata Motors Ltd (Consumer Cyclical)
Equity, Since 30 Apr 04 | TATAMOTORS4% ₹126 Cr 1,888,865 3. Sundaram Mid Cap Fund
Sundaram Mid Cap Fund
Growth Launch Date 30 Jul 02 NAV (26 Sep 25) ₹1,357.68 ↓ -22.85 (-1.66 %) Net Assets (Cr) ₹12,501 on 31 Aug 25 Category Equity - Mid Cap AMC Sundaram Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.75 Sharpe Ratio -0.33 Information Ratio 0.22 Alpha Ratio 2.99 Min Investment 5,000 Min SIP Investment 100 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 ₹16,070 31 Aug 22 ₹17,540 31 Aug 23 ₹20,975 31 Aug 24 ₹32,405 31 Aug 25 ₹31,846 Returns for Sundaram Mid Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Sep 25 Duration Returns 1 Month -1.3% 3 Month -1.8% 6 Month 10.3% 1 Year -5.1% 3 Year 22.9% 5 Year 26.2% 10 Year 15 Year Since launch 23.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 32% 2023 40.4% 2022 4.8% 2021 37.5% 2020 11.8% 2019 -0.3% 2018 -15.4% 2017 40.8% 2016 11.3% 2015 11.2% Fund Manager information for Sundaram Mid Cap Fund
Name Since Tenure S. Bharath 24 Feb 21 4.52 Yr. Ratish Varier 24 Feb 21 4.52 Yr. Data below for Sundaram Mid Cap Fund as on 31 Aug 25
Equity Sector Allocation
Sector Value Financial Services 19.28% Consumer Cyclical 17.91% Industrials 14.27% Health Care 11.57% Basic Materials 11.06% Technology 5.61% Consumer Defensive 4.27% Real Estate 3.59% Utility 2.59% Communication Services 2.32% Energy 2.04% Asset Allocation
Asset Class Value Cash 5.49% Equity 94.51% Other 0% Top Securities Holdings / Portfolio
Name Holding Value Quantity Coromandel International Ltd (Basic Materials)
Equity, Since 30 Nov 10 | 5063954% ₹461 Cr 1,712,601 Cummins India Ltd (Industrials)
Equity, Since 31 Dec 17 | 5004804% ₹459 Cr 1,290,127 Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 31 Mar 21 | KALYANKJIL3% ₹358 Cr 6,016,821 Fortis Healthcare Ltd (Healthcare)
Equity, Since 31 Dec 21 | 5328433% ₹333 Cr 3,879,249 GE Vernova T&D India Ltd (Industrials)
Equity, Since 30 Sep 24 | 5222753% ₹322 Cr 1,179,542 Mahindra & Mahindra Financial Services Ltd (Financial Services)
Equity, Since 31 Jan 24 | M&MFIN2% ₹307 Cr 11,920,703
↑ 359,991 Lupin Ltd (Healthcare)
Equity, Since 31 Jan 23 | 5002572% ₹299 Cr 1,549,486
↑ 38,535 Hindustan Petroleum Corp Ltd (Energy)
Equity, Since 31 Oct 21 | HINDPETRO2% ₹257 Cr 6,144,382 JK Cement Ltd (Basic Materials)
Equity, Since 31 Jan 24 | JKCEMENT2% ₹255 Cr 382,553
↓ -2,232 Persistent Systems Ltd (Technology)
Equity, Since 30 Apr 22 | PERSISTENT2% ₹250 Cr 484,892 4. Sundaram Infrastructure Advantage Fund
Sundaram Infrastructure Advantage Fund
Growth Launch Date 29 Sep 05 NAV (26 Sep 25) ₹94.1023 ↓ -0.91 (-0.95 %) Net Assets (Cr) ₹935 on 31 Aug 25 Category Equity - Sectoral AMC Sundaram Asset Management Company Ltd Rating Risk High Expense Ratio 2.37 Sharpe Ratio -0.48 Information Ratio -0.07 Alpha Ratio 0.29 Min Investment 100,000 Min SIP Investment 100 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 ₹16,386 31 Aug 22 ₹18,355 31 Aug 23 ₹22,072 31 Aug 24 ₹33,835 31 Aug 25 ₹32,094 Returns for Sundaram Infrastructure Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Sep 25 Duration Returns 1 Month 0.4% 3 Month -1.9% 6 Month 10.3% 1 Year -5.7% 3 Year 22.7% 5 Year 27.6% 10 Year 15 Year Since launch 11.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 23.8% 2023 41.7% 2022 2.1% 2021 49.5% 2020 10.4% 2019 2.2% 2018 -21.9% 2017 55.5% 2016 -0.5% 2015 4.8% Fund Manager information for Sundaram Infrastructure Advantage Fund
Name Since Tenure Ashish Aggarwal 1 Jan 22 3.67 Yr. Data below for Sundaram Infrastructure Advantage Fund as on 31 Aug 25
Equity Sector Allocation
Sector Value Industrials 38.35% Utility 11.75% Energy 10.94% Communication Services 10.74% Basic Materials 7.63% Consumer Cyclical 7.56% Financial Services 3.88% Real Estate 2.59% Technology 0.7% Asset Allocation
Asset Class Value Cash 5.88% Equity 94.12% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 19 | BHARTIARTL8% ₹79 Cr 415,000
↓ -10,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 May 09 | LT8% ₹76 Cr 210,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Jan 18 | RELIANCE8% ₹73 Cr 525,000
↓ -20,000 NTPC Ltd (Utilities)
Equity, Since 31 Jan 22 | 5325555% ₹45 Cr 1,340,000 UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Oct 19 | 5325384% ₹34 Cr 28,000 Bharat Electronics Ltd (Industrials)
Equity, Since 31 Jul 22 | BEL3% ₹26 Cr 675,000 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Mar 22 | 5328982% ₹23 Cr 800,000 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Jun 18 | ICICIBANK2% ₹22 Cr 150,000
↓ -10,000 GE Vernova T&D India Ltd (Industrials)
Equity, Since 30 Sep 24 | 5222752% ₹19 Cr 70,000
↓ -20,000 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 30 Sep 19 | 5005472% ₹19 Cr 575,000 5. Sundaram Global Advantage Fund
Sundaram Global Advantage Fund
Growth Launch Date 24 Aug 07 NAV (25 Sep 25) ₹37.4458 ↓ -0.18 (-0.49 %) Net Assets (Cr) ₹130 on 31 Aug 25 Category Equity - Global AMC Sundaram Asset Management Company Ltd Rating ☆☆ Risk High Expense Ratio 1.07 Sharpe Ratio 0.81 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 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 ₹12,514 31 Aug 22 ₹10,782 31 Aug 23 ₹13,335 31 Aug 24 ₹15,367 31 Aug 25 ₹18,052 Returns for Sundaram Global Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Sep 25 Duration Returns 1 Month 3.7% 3 Month 10.4% 6 Month 14.7% 1 Year 21.3% 3 Year 22.6% 5 Year 14.1% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 13.1% 2023 30.1% 2022 -15.4% 2021 18.5% 2020 21.4% 2019 17.6% 2018 -8.1% 2017 19.8% 2016 12.8% 2015 -14.2% Fund Manager information for Sundaram Global Advantage Fund
Name Since Tenure Pathanjali Srinivasan 1 Apr 24 1.42 Yr. Data below for Sundaram Global Advantage Fund as on 31 Aug 25
Equity Sector Allocation
Sector Value Technology 34.27% Consumer Cyclical 19.83% Financial Services 14.48% Communication Services 13.17% Consumer Defensive 9.47% Industrials 4.53% Asset Allocation
Asset Class Value Cash 4.25% Equity 95.75% Top Securities Holdings / Portfolio
Name Holding Value Quantity Sundaram Global Brand Master
Investment Fund | -96% ₹121 Cr 8,283,224 Treps
CBLO/Reverse Repo | -5% ₹6 Cr Cash And Other Net Current Assets
CBLO | -0% ₹0 Cr
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۔
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Research Highlights for DSP World Gold Fund