+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 (%) 2025 (%) Sub Cat. Franklin India Short Term Income Plan - Retail Plan Growth 192.1 192.1 192.1 47.3 32.5 Short term Bond DSP World Gold Fund Growth -19.8 -11.2 67.6 44.7 22.6 167.1 Global SBI Gold Fund Growth -4.4 4.1 46.1 32.9 23 71.5 Gold ICICI Prudential Regular Gold Savings Fund Growth -4.4 3.9 45.9 32.8 23 72 Gold Aditya Birla Sun Life Gold Fund Growth -4.5 4 45.8 32.8 22.9 72 Gold Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 May 25 Research Highlights & Commentary of 5 Funds showcased
Commentary Franklin India Short Term Income Plan - Retail Plan DSP World Gold Fund SBI Gold Fund ICICI Prudential Regular Gold Savings Fund Aditya Birla Sun Life Gold Fund Point 1 Bottom quartile AUM (₹13 Cr). Bottom quartile AUM (₹1,679 Cr). Highest AUM (₹16,533 Cr). Upper mid AUM (₹6,856 Cr). Lower mid AUM (₹1,822 Cr). Point 2 Oldest track record among peers (24 yrs). Established history (18+ yrs). Established history (14+ yrs). Established history (14+ yrs). Established history (14+ yrs). Point 3 Rating: 2★ (lower mid). Top rated. Rating: 2★ (bottom quartile). Rating: 1★ (bottom quartile). Rating: 3★ (upper mid). Point 4 Risk profile: Moderate. Risk profile: High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 1Y return: 192.10% (top quartile). 5Y return: 22.59% (bottom quartile). 5Y return: 23.02% (upper mid). 5Y return: 22.98% (lower mid). 5Y return: 22.87% (bottom quartile). Point 6 1M return: 192.10% (top quartile). 3Y return: 44.67% (upper mid). 3Y return: 32.95% (lower mid). 3Y return: 32.85% (bottom quartile). 3Y return: 32.81% (bottom quartile). Point 7 Sharpe: -90.89 (bottom quartile). 1Y return: 67.61% (upper mid). 1Y return: 46.05% (lower mid). 1Y return: 45.86% (bottom quartile). 1Y return: 45.78% (bottom quartile). Point 8 Information ratio: -2.42 (bottom quartile). Alpha: -0.46 (bottom quartile). 1M return: -2.55% (lower mid). 1M return: -2.46% (upper mid). 1M return: -2.97% (bottom quartile). Point 9 Yield to maturity (debt): 0.00% (top quartile). Sharpe: 1.77 (lower mid). Alpha: 0.00 (top quartile). Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Point 10 Modified duration: 0.00 yrs (top quartile). Information ratio: -0.78 (bottom quartile). Sharpe: 1.93 (top quartile). Sharpe: 1.79 (upper mid). Sharpe: 1.76 (bottom quartile). Franklin India Short Term Income Plan - Retail Plan
DSP World Gold Fund
SBI Gold Fund
ICICI Prudential Regular Gold Savings Fund
Aditya Birla Sun Life Gold Fund
*فنڈز کی فہرست نزولی ترتیب میں گزشتہ 3 سال کے ریٹرن پر مبنی ہے۔
The objective of the Scheme is to provide investors stable returns by investing in fixed income securities. Below is the key information for Franklin India Short Term Income Plan - Retail Plan Returns up to 1 year are on "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 Below is the key information for DSP World Gold 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 ICICI Prudential Regular Gold Savings Fund (the Scheme) is a fund of funds scheme with the primary objective to generate returns by investing in units of ICICI Prudential Gold Exchange Traded Fund (IPru Gold ETF).
However, there can be no assurance that the investment objectives of the Scheme will be realized. Research Highlights for ICICI Prudential Regular Gold Savings Fund Below is the key information for ICICI Prudential Regular Gold Savings Fund Returns up to 1 year are on An Open ended Fund of Funds Scheme with the investment objective to provide returns that tracks returns provided by Birla Sun Life Gold ETF (BSL Gold ETF). Research Highlights for Aditya Birla Sun Life Gold Fund Below is the key information for Aditya Birla Sun Life Gold Fund Returns up to 1 year are on 1. 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 30 Jun 21 ₹10,000 30 Jun 22 ₹11,431 30 Jun 23 ₹12,351 30 Jun 24 ₹12,527
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 2 May 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 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 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 2. DSP World Gold Fund
DSP World Gold Fund
Growth Launch Date 14 Sep 07 NAV (09 Jul 26) ₹50.0235 ↑ 0.83 (1.69 %) Net Assets (Cr) ₹1,679 on 31 May 26 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.41 Sharpe Ratio 1.77 Information Ratio -0.78 Alpha Ratio -0.46 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹8,181 30 Jun 23 ₹9,294 30 Jun 24 ₹10,640 30 Jun 25 ₹16,808 30 Jun 26 ₹27,693 Returns for DSP World Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 May 25 Duration Returns 1 Month -4.4% 3 Month -19.8% 6 Month -11.2% 1 Year 67.6% 3 Year 44.7% 5 Year 22.6% 10 Year 15 Year Since launch 8.9% Historical performance (Yearly) on absolute basis
Year Returns 2025 167.1% 2024 15.9% 2023 7% 2022 -7.7% 2021 -9% 2020 31.4% 2019 35.1% 2018 -10.7% 2017 -4% 2016 52.7% Fund Manager information for DSP World Gold Fund
Name Since Tenure Kaivalya Nadkarni 1 May 25 1.17 Yr. Data below for DSP World Gold Fund as on 31 May 26
Equity Sector Allocation
Sector Value Basic Materials 94.47% Asset Allocation
Asset Class Value Cash 3.62% Equity 94.47% Debt 0% Other 1.91% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Gold I2
Investment Fund | -68% ₹1,141 Cr 1,005,044 VanEck Gold Miners ETF
- | GDX29% ₹490 Cr 573,719 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -3% ₹54 Cr Net Receivables/Payables
Net Current Assets | -0% -₹6 Cr 3. SBI Gold Fund
SBI Gold Fund
Growth Launch Date 12 Sep 11 NAV (10 Jul 26) ₹41.6271 ↓ -0.09 (-0.21 %) Net Assets (Cr) ₹16,533 on 31 May 26 Category Gold - Gold AMC SBI Funds Management Private Limited Rating ☆☆ Risk Moderately High Expense Ratio 0.3 Sharpe Ratio 1.93 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,828 30 Jun 23 ₹12,154 30 Jun 24 ₹14,949 30 Jun 25 ₹19,644 30 Jun 26 ₹28,455 Returns for SBI Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 May 25 Duration Returns 1 Month -2.5% 3 Month -4.4% 6 Month 4.1% 1 Year 46.1% 3 Year 32.9% 5 Year 23% 10 Year 15 Year Since launch 10.1% Historical performance (Yearly) on absolute basis
Year Returns 2025 71.5% 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% Fund Manager information for SBI Gold Fund
Name Since Tenure Viral Chhadva 1 Mar 26 0.33 Yr. Data below for SBI Gold Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 1.64% Other 98.36% Top Securities Holdings / Portfolio
Name Holding Value Quantity SBI Gold ETF
- | -100% ₹16,542 Cr 1,246,686,194
↑ 13,950,000 Net Receivable / Payable
CBLO | -0% -₹55 Cr Treps
CBLO/Reverse Repo | -0% ₹45 Cr 4. ICICI Prudential Regular Gold Savings Fund
ICICI Prudential Regular Gold Savings Fund
Growth Launch Date 11 Oct 11 NAV (10 Jul 26) ₹44.01 ↓ -0.14 (-0.33 %) Net Assets (Cr) ₹6,856 on 31 May 26 Category Gold - Gold AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderately High Expense Ratio 0.38 Sharpe Ratio 1.79 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-15 Months (2%),15 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,811 30 Jun 23 ₹12,106 30 Jun 24 ₹14,939 30 Jun 25 ₹19,567 30 Jun 26 ₹28,290 Returns for ICICI Prudential Regular Gold Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 May 25 Duration Returns 1 Month -2.5% 3 Month -4.4% 6 Month 3.9% 1 Year 45.9% 3 Year 32.8% 5 Year 23% 10 Year 15 Year Since launch 10.6% Historical performance (Yearly) on absolute basis
Year Returns 2025 72% 2024 19.5% 2023 13.5% 2022 12.7% 2021 -5.4% 2020 26.6% 2019 22.7% 2018 7.4% 2017 0.8% 2016 8.9% Fund Manager information for ICICI Prudential Regular Gold Savings Fund
Name Since Tenure Manish Banthia 27 Sep 12 13.77 Yr. Nishit Patel 29 Dec 20 5.51 Yr. Ashwini Bharucha 1 Nov 25 0.66 Yr. Venus Ahuja 1 Nov 25 0.66 Yr. Data below for ICICI Prudential Regular Gold Savings Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 1.86% Other 98.14% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Pru Gold ETF
- | -100% ₹6,851 Cr 514,675,516
↑ 10,666,563 Treps
CBLO/Reverse Repo | -0% ₹22 Cr Net Current Assets
Net Current Assets | -0% -₹18 Cr 5. Aditya Birla Sun Life Gold Fund
Aditya Birla Sun Life Gold Fund
Growth Launch Date 20 Mar 12 NAV (10 Jul 26) ₹41.3102 ↓ -0.08 (-0.20 %) Net Assets (Cr) ₹1,822 on 31 May 26 Category Gold - Gold AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 0.51 Sharpe Ratio 1.76 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load 0-365 Days (1%),365 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,697 30 Jun 23 ₹12,029 30 Jun 24 ₹14,752 30 Jun 25 ₹19,394 30 Jun 26 ₹28,089 Returns for Aditya Birla Sun Life Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 May 25 Duration Returns 1 Month -3% 3 Month -4.5% 6 Month 4% 1 Year 45.8% 3 Year 32.8% 5 Year 22.9% 10 Year 15 Year Since launch 10.4% Historical performance (Yearly) on absolute basis
Year Returns 2025 72% 2024 18.7% 2023 14.5% 2022 12.3% 2021 -5% 2020 26% 2019 21.3% 2018 6.8% 2017 1.6% 2016 11.5% Fund Manager information for Aditya Birla Sun Life Gold Fund
Name Since Tenure Priya Sridhar 31 Dec 24 1.5 Yr. Data below for Aditya Birla Sun Life Gold Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 1.57% Other 98.43% Top Securities Holdings / Portfolio
Name Holding Value Quantity Aditya BSL Gold ETF
- | -100% ₹1,821 Cr 133,076,381
↑ 939,171 Clearing Corporation Of India Limited
CBLO/Reverse Repo | -0% ₹5 Cr Net Receivables / (Payables)
Net Current Assets | -0% -₹4 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 (%) 2025 (%) Sub Cat. UTI Healthcare Fund Growth 17.9 17.1 15 26 14.6 -3.1 Sectoral Sundaram Mid Cap Fund Growth 8.3 6.2 8.2 22 18.3 4.1 Mid Cap Sundaram Infrastructure Advantage Fund Growth 5.6 8.8 6.4 19.8 17.8 4.1 Sectoral BNP Paribas Mid Cap Fund Growth 8.3 8.3 11.1 19.7 15.9 2.5 Mid Cap Sundaram Small Cap Fund Growth 16.1 14.1 11.5 19.4 17.4 0.4 Small Cap Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Jul 26 Research Highlights & Commentary of 5 Funds showcased
Commentary UTI Healthcare Fund Sundaram Mid Cap Fund Sundaram Infrastructure Advantage Fund BNP Paribas Mid Cap Fund Sundaram Small Cap Fund Point 1 Bottom quartile AUM (₹1,217 Cr). Highest AUM (₹13,687 Cr). Bottom quartile AUM (₹997 Cr). Lower mid AUM (₹2,461 Cr). Upper mid AUM (₹3,681 Cr). Point 2 Oldest track record among peers (27 yrs). Established history (23+ yrs). Established history (20+ yrs). Established history (20+ yrs). Established history (21+ yrs). Point 3 Rating: 1★ (bottom quartile). Top rated. Not Rated. Rating: 3★ (upper mid). Rating: 3★ (lower mid). Point 4 Risk profile: High. Risk profile: Moderately High. Risk profile: High. Risk profile: High. Risk profile: Moderately High. Point 5 5Y return: 14.56% (bottom quartile). 5Y return: 18.32% (top quartile). 5Y return: 17.83% (upper mid). 5Y return: 15.88% (bottom quartile). 5Y return: 17.42% (lower mid). Point 6 3Y return: 25.99% (top quartile). 3Y return: 22.00% (upper mid). 3Y return: 19.78% (lower mid). 3Y return: 19.74% (bottom quartile). 3Y return: 19.36% (bottom quartile). Point 7 1Y return: 14.95% (top quartile). 1Y return: 8.24% (bottom quartile). 1Y return: 6.41% (bottom quartile). 1Y return: 11.08% (lower mid). 1Y return: 11.49% (upper mid). Point 8 Alpha: 0.91 (bottom quartile). Alpha: -0.11 (bottom quartile). Alpha: 5.01 (upper mid). Alpha: 2.64 (lower mid). Alpha: 7.77 (top quartile). Point 9 Sharpe: 0.42 (top quartile). Sharpe: 0.17 (bottom quartile). Sharpe: 0.32 (lower mid). Sharpe: 0.34 (upper mid). Sharpe: 0.26 (bottom quartile). Point 10 Information ratio: 0.08 (lower mid). Information ratio: 0.23 (top quartile). Information ratio: 0.20 (upper mid). Information ratio: -0.33 (bottom quartile). Information ratio: -0.16 (bottom quartile). UTI Healthcare Fund
Sundaram Mid Cap Fund
Sundaram Infrastructure Advantage Fund
BNP Paribas Mid Cap Fund
Sundaram Small Cap 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 (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 The Investment objective of the scheme is to seek to generate long-term capital appreciation by investing primarily in companies with high growth opportunities in
the middle and small capitalization segment, defi ned as ‘Future Leaders’. The fund will emphasize on companies that appear to offer opportunities for long-term growth and will be inclined towards companies that are driven by dynamic style of management and entrepreneurial fl air. However, there can be no assurance that the investment objectives of the Scheme will be realized. The Scheme does not guarantee/indicate any returns. Research Highlights for BNP Paribas Mid Cap Fund Below is the key information for BNP Paribas Mid Cap Fund Returns up to 1 year are on (Erstwhile Sundaram SMILE Fund) To primarily achieve capital appreciation by
investing in diversified stocks that are
generally termed as small and mid-caps and
by investing in other equities. Research Highlights for Sundaram Small Cap Fund Below is the key information for Sundaram Small Cap Fund Returns up to 1 year are on 1. UTI Healthcare Fund
UTI Healthcare Fund
Growth Launch Date 28 Jun 99 NAV (10 Jul 26) ₹330.241 ↑ 1.85 (0.56 %) Net Assets (Cr) ₹1,217 on 31 May 26 Category Equity - Sectoral AMC UTI Asset Management Company Ltd Rating ☆ Risk High Expense Ratio 2.26 Sharpe Ratio 0.42 Information Ratio 0.08 Alpha Ratio 0.91 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹8,478 30 Jun 23 ₹10,006 30 Jun 24 ₹14,264 30 Jun 25 ₹17,337 30 Jun 26 ₹19,764 Returns for UTI Healthcare Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jul 26 Duration Returns 1 Month 6.5% 3 Month 17.9% 6 Month 17.1% 1 Year 15% 3 Year 26% 5 Year 14.6% 10 Year 15 Year Since launch 15% Historical performance (Yearly) on absolute basis
Year Returns 2025 -3.1% 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% Fund Manager information for UTI Healthcare Fund
Name Since Tenure Kamal Gada 2 May 22 4.17 Yr. Data below for UTI Healthcare Fund as on 31 May 26
Equity Sector Allocation
Sector Value Health Care 94.45% Asset Allocation
Asset Class Value Cash 5.55% Equity 94.45% Top Securities Holdings / Portfolio
Name Holding Value Quantity Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Oct 06 | SUNPHARMA9% ₹108 Cr 600,000 Divi's Laboratories Ltd (Healthcare)
Equity, Since 30 Sep 17 | DIVISLAB5% ₹59 Cr 88,814
↑ 28,076 Ajanta Pharma Ltd (Healthcare)
Equity, Since 31 Jul 17 | AJANTPHARM5% ₹57 Cr 195,295
↓ -41,216 Gland Pharma Ltd (Healthcare)
Equity, Since 30 Nov 20 | GLAND4% ₹48 Cr 215,251 Lupin Ltd (Healthcare)
Equity, Since 28 Feb 25 | LUPIN4% ₹46 Cr 203,834
↓ -6,166 Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 30 Apr 21 | APOLLOHOSP4% ₹43 Cr 53,000 Dr Reddy's Laboratories Ltd (Healthcare)
Equity, Since 28 Feb 18 | DRREDDY3% ₹38 Cr 290,000 Caplin Point Laboratories Ltd (Healthcare)
Equity, Since 31 Dec 23 | CAPLIPOINT3% ₹37 Cr 185,000
↑ 39,847 Alkem Laboratories Ltd (Healthcare)
Equity, Since 31 May 21 | ALKEM3% ₹37 Cr 68,000 Fortis Healthcare Ltd (Healthcare)
Equity, Since 31 Dec 20 | FORTIS3% ₹37 Cr 400,000 2. Sundaram Mid Cap Fund
Sundaram Mid Cap Fund
Growth Launch Date 30 Jul 02 NAV (10 Jul 26) ₹1,499.55 ↑ 21.84 (1.48 %) Net Assets (Cr) ₹13,687 on 31 May 26 Category Equity - Mid Cap AMC Sundaram Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.75 Sharpe Ratio 0.17 Information Ratio 0.23 Alpha Ratio -0.11 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 30 Jun 21 ₹10,000 30 Jun 22 ₹9,952 30 Jun 23 ₹12,988 30 Jun 24 ₹20,155 30 Jun 25 ₹21,973 30 Jun 26 ₹23,117 Returns for Sundaram Mid Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jul 26 Duration Returns 1 Month 6.5% 3 Month 8.3% 6 Month 6.2% 1 Year 8.2% 3 Year 22% 5 Year 18.3% 10 Year 15 Year Since launch 23.3% Historical performance (Yearly) on absolute basis
Year Returns 2025 4.1% 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% Fund Manager information for Sundaram Mid Cap Fund
Name Since Tenure S. Bharath 24 Feb 21 5.35 Yr. Shalav Saket 31 Dec 25 0.5 Yr. Data below for Sundaram Mid Cap Fund as on 31 May 26
Equity Sector Allocation
Sector Value Financial Services 21.92% Industrials 19.24% Consumer Cyclical 14.17% Health Care 9.9% Basic Materials 8.55% Technology 8.5% Consumer Defensive 5.02% Real Estate 3.11% Utility 3.02% Communication Services 1.96% Energy 1.38% Asset Allocation
Asset Class Value Cash 3.22% Equity 96.76% Other 0% Top Securities Holdings / Portfolio
Name Holding Value Quantity GE Vernova T&D India Ltd (Industrials)
Equity, Since 30 Sep 24 | GVT&D3% ₹463 Cr 900,000
↓ -100,000 Cummins India Ltd (Industrials)
Equity, Since 31 Dec 17 | CUMMINSIND3% ₹441 Cr 750,000
↓ -100,000 BSE Ltd (Financial Services)
Equity, Since 31 May 24 | BSE3% ₹392 Cr 945,165 Mahindra & Mahindra Financial Services Ltd (Financial Services)
Equity, Since 31 Jan 24 | M&MFIN3% ₹349 Cr 11,498,475 Max Financial Services Ltd (Financial Services)
Equity, Since 30 Jun 16 | MFSL2% ₹302 Cr 1,805,000
↑ 130,000 The Federal Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | FEDERALBNK2% ₹300 Cr 10,399,688 Coromandel International Ltd (Basic Materials)
Equity, Since 30 Nov 10 | COROMANDEL2% ₹288 Cr 1,642,029 Suzlon Energy Ltd (Industrials)
Equity, Since 31 Jul 24 | SUZLON2% ₹287 Cr 50,302,475
↑ 11,730,000 IDFC First Bank Ltd (Financial Services)
Equity, Since 30 Jun 25 | IDFCFIRSTB2% ₹273 Cr 38,278,844 Marico Ltd (Consumer Defensive)
Equity, Since 30 Jun 24 | MARICO2% ₹271 Cr 3,300,000
↓ -95,879 3. Sundaram Infrastructure Advantage Fund
Sundaram Infrastructure Advantage Fund
Growth Launch Date 29 Sep 05 NAV (10 Jul 26) ₹102.91 ↑ 1.11 (1.09 %) Net Assets (Cr) ₹997 on 31 May 26 Category Equity - Sectoral AMC Sundaram Asset Management Company Ltd Rating Risk High Expense Ratio 2.37 Sharpe Ratio 0.32 Information Ratio 0.2 Alpha Ratio 5.01 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 30 Jun 21 ₹10,000 30 Jun 22 ₹10,363 30 Jun 23 ₹13,435 30 Jun 24 ₹21,747 30 Jun 25 ₹21,799 30 Jun 26 ₹23,384 Returns for Sundaram Infrastructure Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jul 26 Duration Returns 1 Month 3.8% 3 Month 5.6% 6 Month 8.8% 1 Year 6.4% 3 Year 19.8% 5 Year 17.8% 10 Year 15 Year Since launch 11.9% Historical performance (Yearly) on absolute basis
Year Returns 2025 4.1% 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% Fund Manager information for Sundaram Infrastructure Advantage Fund
Name Since Tenure Siddarth Mohta 21 Jan 26 0.44 Yr. Shalav Saket 28 Feb 26 0.34 Yr. Data below for Sundaram Infrastructure Advantage Fund as on 31 May 26
Equity Sector Allocation
Sector Value Industrials 43.72% Utility 12.27% Communication Services 10.03% Energy 9.94% Consumer Cyclical 6.84% Basic Materials 5.75% Financial Services 3.76% Health Care 1.27% Real Estate 0.95% Asset Allocation
Asset Class Value Cash 5.46% Equity 94.54% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 31 May 09 | LT9% ₹86 Cr 210,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 19 | BHARTIARTL8% ₹76 Cr 415,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Jan 18 | RELIANCE7% ₹67 Cr 510,000 NTPC Ltd (Utilities)
Equity, Since 31 Jan 22 | NTPC5% ₹52 Cr 1,340,000 UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Oct 19 | ULTRACEMCO3% ₹32 Cr 28,000 Bharat Electronics Ltd (Industrials)
Equity, Since 31 Jul 22 | BEL3% ₹28 Cr 675,000 Hitachi Energy India Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jan 24 | POWERINDIA3% ₹27 Cr 7,000 GE Vernova T&D India Ltd (Industrials)
Equity, Since 30 Sep 24 | GVT&D3% ₹26 Cr 51,000 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Mar 22 | POWERGRID2% ₹23 Cr 800,000 Kirloskar Oil Engines Ltd (Industrials)
Equity, Since 31 Dec 23 | 5332932% ₹22 Cr 112,000 4. BNP Paribas Mid Cap Fund
BNP Paribas Mid Cap Fund
Growth Launch Date 2 May 06 NAV (10 Jul 26) ₹112.262 ↑ 1.57 (1.42 %) Net Assets (Cr) ₹2,461 on 31 May 26 Category Equity - Mid Cap AMC BNP Paribas Asset Mgmt India Pvt. Ltd Rating ☆☆☆ Risk High Expense Ratio 2 Sharpe Ratio 0.34 Information Ratio -0.33 Alpha Ratio 2.64 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹9,871 30 Jun 23 ₹12,323 30 Jun 24 ₹18,874 30 Jun 25 ₹19,294 30 Jun 26 ₹20,879 Returns for BNP Paribas Mid Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jul 26 Duration Returns 1 Month 6% 3 Month 8.3% 6 Month 8.3% 1 Year 11.1% 3 Year 19.7% 5 Year 15.9% 10 Year 15 Year Since launch 12.7% Historical performance (Yearly) on absolute basis
Year Returns 2025 2.5% 2024 28.5% 2023 32.6% 2022 4.7% 2021 41.5% 2020 23.1% 2019 5.2% 2018 -17.5% 2017 49% 2016 -1.2% Fund Manager information for BNP Paribas Mid Cap Fund
Name Since Tenure Rohan Korde 1 May 26 0.17 Yr. Himanshu Singh 21 Oct 24 1.69 Yr. Data below for BNP Paribas Mid Cap Fund as on 31 May 26
Equity Sector Allocation
Sector Value Financial Services 24.69% Industrials 17.63% Consumer Cyclical 15.09% Basic Materials 12.07% Health Care 11.9% Technology 6.14% Real Estate 2.44% Consumer Defensive 2.19% Energy 1.92% Utility 1.91% Communication Services 1.12% Asset Allocation
Asset Class Value Cash 2.87% Equity 97.11% Top Securities Holdings / Portfolio
Name Holding Value Quantity GE Vernova T&D India Ltd (Industrials)
Equity, Since 30 Sep 24 | GVT&D4% ₹90 Cr 175,000
↓ -50,000 Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 31 Jan 24 | BHEL3% ₹83 Cr 2,000,000 Hitachi Energy India Ltd Ordinary Shares (Industrials)
Equity, Since 31 Dec 22 | POWERINDIA3% ₹81 Cr 21,105
↓ -2,350 BSE Ltd (Financial Services)
Equity, Since 30 Nov 25 | BSE3% ₹70 Cr 168,000 Navin Fluorine International Ltd (Basic Materials)
Equity, Since 30 Apr 23 | NAVINFLUOR3% ₹65 Cr 90,608
↓ -5,000 Indian Bank (Financial Services)
Equity, Since 30 Jun 21 | INDIANB3% ₹62 Cr 740,000 PB Fintech Ltd (Financial Services)
Equity, Since 28 Feb 23 | 5433902% ₹59 Cr 348,500
↑ 33,500 The Federal Bank Ltd (Financial Services)
Equity, Since 31 Jul 16 | FEDERALBNK2% ₹58 Cr 2,000,000 Acutaas Chemicals Ltd (Basic Materials)
Equity, Since 31 Oct 25 | 5433492% ₹53 Cr 170,466 National Aluminium Co Ltd (Basic Materials)
Equity, Since 30 Apr 24 | NATIONALUM2% ₹51 Cr 1,200,000 5. Sundaram Small Cap Fund
Sundaram Small Cap Fund
Growth Launch Date 15 Feb 05 NAV (10 Jul 26) ₹293.804 ↑ 4.25 (1.47 %) Net Assets (Cr) ₹3,681 on 31 May 26 Category Equity - Small Cap AMC Sundaram Asset Management Company Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 1.94 Sharpe Ratio 0.26 Information Ratio -0.16 Alpha Ratio 7.77 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 30 Jun 21 ₹10,000 30 Jun 22 ₹10,058 30 Jun 23 ₹13,324 30 Jun 24 ₹19,270 30 Jun 25 ₹20,299 30 Jun 26 ₹22,202 Returns for Sundaram Small Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jul 26 Duration Returns 1 Month 8% 3 Month 16.1% 6 Month 14.1% 1 Year 11.5% 3 Year 19.4% 5 Year 17.4% 10 Year 15 Year Since launch 17.1% Historical performance (Yearly) on absolute basis
Year Returns 2025 0.4% 2024 19.1% 2023 45.3% 2022 -2.1% 2021 60.3% 2020 26.2% 2019 -6.1% 2018 -29.2% 2017 55.6% 2016 -0.1% Fund Manager information for Sundaram Small Cap Fund
Name Since Tenure Rohit Seksaria 1 Nov 22 3.67 Yr. Shalav Saket 20 Mar 26 0.28 Yr. Data below for Sundaram Small Cap Fund as on 31 May 26
Equity Sector Allocation
Sector Value Consumer Cyclical 20.24% Financial Services 20.17% Industrials 20.05% Health Care 11.76% Basic Materials 8.17% Technology 4.19% Communication Services 4.18% Consumer Defensive 2.39% Real Estate 1.81% Utility 1.2% Asset Allocation
Asset Class Value Cash 4.97% Equity 94.17% Debt 0.85% Other 0% Top Securities Holdings / Portfolio
Name Holding Value Quantity MTAR Technologies Ltd (Industrials)
Equity, Since 31 Dec 24 | MTARTECH6% ₹209 Cr 264,884
↓ -25,000 Aster DM Healthcare Ltd Ordinary Shares (Healthcare)
Equity, Since 30 Nov 23 | ASTERDM3% ₹122 Cr 1,681,362 SJS Enterprises Ltd (Consumer Cyclical)
Equity, Since 31 Aug 23 | SJS3% ₹122 Cr 577,256 Rategain Travel Technologies Ltd (Technology)
Equity, Since 30 Jun 23 | RATEGAIN3% ₹115 Cr 1,534,556 PNB Housing Finance Ltd (Financial Services)
Equity, Since 31 Jul 24 | PNBHOUSING3% ₹99 Cr 957,209 Craftsman Automation Ltd (Consumer Cyclical)
Equity, Since 30 Jun 24 | CRAFTSMAN3% ₹96 Cr 105,565
↓ -974 Eternal Ltd (Consumer Cyclical)
Equity, Since 30 Nov 24 | ETERNAL2% ₹91 Cr 3,614,474
↑ 152,705 Affle 3i Ltd (Communication Services)
Equity, Since 31 May 21 | AFFLE2% ₹89 Cr 606,603
↑ 12,325 E I D Parry India Ltd (Basic Materials)
Equity, Since 31 Jul 24 | EIDPARRY2% ₹79 Cr 1,045,263 DCB Bank Ltd (Financial Services)
Equity, Since 30 Sep 24 | DCBBANK2% ₹78 Cr 4,443,809
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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