Table of Contents
میوچل فنڈ بمقابلہ ایف ڈی (فکسڈ ڈپازٹ)
میوچل فنڈ بمقابلہایف ڈی? پیسہ بچانے کے بارے میں سوچتے وقت، سب سے پہلی چیز جس پر زیادہ تر لوگ غور کرتے ہیں وہ ہے۔سرمایہ کاری فکسڈ ڈپازٹس (FDs) میں۔ یہ عام طور پر اس وجہ سے ہے کہ اسے سمجھنا آسان ہے اور نسلوں سے کیا جا رہا ہے۔ لیکن کیا یہ سب سے مناسب سرمایہ کاری ہے؟ اور کیا یہ بہترین منافع فراہم کرتا ہے؟ یا میوچل فنڈ کی سرمایہ کاری اس مقصد کو بہتر طریقے سے پورا کر سکتی ہے؟ ان سوالات کے جوابات جاننے کے لیے ذیل میں پڑھیں!
ایف ڈی یا فکسڈ ڈپازٹ
فکسڈ ڈپازٹ، جسے FD بھی کہا جاتا ہے ایک مقبول ہے۔بینک سرمایہ کاری کا اختیار طویل مدتی اور قلیل مدتی سرمایہ کاری دونوں کے لیے موزوں ہے۔ FD ریٹرن مقرر ہیں کیونکہ FD سود کی شرح حکومت ہند کے ذریعہ پہلے سے طے شدہ ہے۔ فکسڈ ڈپازٹس پر جو شرح سود طے کی جا رہی ہے، اس کا کوئی اثر نہیں ہے۔مہنگائی ان سرمایہ کاری پر.
نیز، FD ریٹرن سرمایہ کاروں کے ہاتھ میں قابل ٹیکس ہیں۔ تاہم، ایف ڈی سرمایہ کاری کے تحت ٹیکس کٹوتیوں کے لیے ذمہ دار ہیں۔سیکشن 80 سی کیانکم ٹیکس ایکٹ
باہمی چندہ
میوچل فنڈ تین طرح کا ہوتا ہے، قرض، ایکویٹی اور متوازنباہمی چندہ.قرض باہمی فنڈ وہ ہیں جو حکومت میں زیادہ تر اثاثے لگاتے ہیں۔بانڈز، کارپوریٹ بانڈز اور باقی ایکویٹی مارکیٹوں میں۔ اس کے برعکس، ایکویٹی میوچل فنڈز اپنے اثاثوں کا 65% سے زیادہ ایکویٹی مارکیٹوں میں اور باقی سرکاری بانڈز، کارپوریٹ بانڈز اور سیکیورٹیز میں لگاتا ہے۔ جبکہ بیلنسڈ میوچل فنڈز وہ ہیں جو جزوی طور پر قرض میں اور جزوی طور پر سرمایہ کاری کرتے ہیں۔ایکویٹی فنڈز. میوچل فنڈ افراط زر کو شکست دینے والا ایک آلہ ہے، اس لیے یہ زیادہ ٹیکس موثر ہے اور اس سے طویل مدتی سرمایہ کاری پر بہتر منافع کی پیشکش کی جاتی ہے۔
کون سی بہتر طویل مدتی سرمایہ کاری ہے؟
اب جب کہ ہم جانتے ہیں کہ میوچل فنڈز اور فکسڈ ڈپازٹ (FDs) دونوں ہیں۔ٹیکس کی بچت کی سرمایہ کاریسوال یہ پیدا ہوتا ہے کہ سرمایہ کاری کہاں کرنی چاہیے؟ اگرچہ یہ ایک موضوعی سوال ہے اور اس کا جواب ہر شخص سے مختلف ہو سکتا ہے، ذیل میں مختلف پیرامیٹرز کی بنیاد پر ایک موازنہ دیا گیا ہے جو آپ کو بہتر انتخاب کرنے میں مدد کر سکتا ہے۔
1. میوچل فنڈ ریٹرن اور ایف ڈی ریٹرن
فکسڈ ڈپازٹ پر واپسی پہلے سے متعین ہے اور پوری مدت میں تبدیل نہیں ہوتی ہے۔ جبکہ میوچل فنڈز، مالیاتی سے منسلک ہیں۔مارکیٹطویل مدتی سرمایہ کاری پر بہتر منافع پیش کرتے ہیں۔
2. ایف ڈی کی شرح سود اور میوچل فنڈ ریٹرن
FDs پر سود کی شرح FD کی قسم یا FD کی مدت کے لحاظ سے طے کی جاتی ہے، لہذا کوئی بھی فکسڈ ڈپازٹ پر زیادہ شرح سود کی توقع نہیں کر سکتا۔ دوسری طرف، میوچل فنڈز پر منافع مختلف ہوتا ہے کیونکہ مختلف قسم کے فنڈز غیر مستحکم منافع پیش کرتے ہیں۔ اگر مارکیٹ زیادہ جاتی ہے تو منافع میں اضافہ ہوتا ہے اور اس کے برعکس۔
3. خطرے کے عوامل
فکسڈ ڈپازٹس کو شاید ہی کوئی خطرہ لاحق ہوتا ہے کیونکہ ریٹرن پہلے سے طے شدہ ہوتے ہیں۔ نیز، اگر بینک کا پردہ فاش ہو جاتا ہے تو تمام بینک کھاتوں کا INR 1 لاکھ تک بیمہ کیا جاتا ہے۔ دوسری طرف، میوچل فنڈز زیادہ خطرہ رکھتے ہیں کیونکہ وہ اپنے اثاثوں کو مالیاتی منڈی میں لگاتے ہیں۔ ایکویٹی میوچل فنڈز، جس کے زیادہ تر اثاثے ایکویٹی مارکیٹوں میں لگائے گئے ہیں، بہت زیادہ خطرہ رکھتے ہیں۔ جبکہ ڈیبٹ میوچل فنڈز میں سرمایہ کاری کم خطرہ ہے، کیونکہ ان فنڈز کا بہت کم حصہ اسٹاک مارکیٹ میں لگایا جاتا ہے۔
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4. افراط زر کا اثر
سود کی شرح پہلے سے طے شدہ ہے، فکسڈ ڈپازٹس پر افراط زر کا کوئی اثر نہیں ہے۔ جبکہ، میوچل فنڈز کے لیے، ریٹرن افراط زر کے مطابق ہوتے ہیں جو بہتر منافع کمانے کی صلاحیت کو بڑھاتے ہیں۔
5. کیپٹل گینز
نہیں ہیںسرمایہ ایف ڈی کی صورت میں فائدہ ممکن ہے۔ میوچل فنڈز کے لیے،کیپٹل گینز انعقاد کی مدت پر منحصر ہے. مختلف میوچل فنڈز مختلف کیپیٹل گینز پیش کرتے ہیں۔
6. لیکویڈیٹی
فکسڈ ڈپازٹس ہیں۔غیر قانونیکیونکہ سرمایہ کاری کی گئی رقم ایک خاص وقت کے لیے مقفل ہے۔ اگر اس مدت سے پہلے رقم نکال لی جائے تو ایک مخصوص جرمانہ کاٹا جاتا ہے۔ جبکہ میوچل فنڈز مائع ہوتے ہیں کیونکہ وہ بہت کم وقت میں فروخت کیے جاسکتے ہیں۔فرسودگی فنڈ کی قیمت میں. تاہم، چند میوچل فنڈز کی فروخت پر لاگو ہونے والے ایگزٹ بوجھ کو چیک کرنا ضروری ہے۔
7. ٹیکس لگانا
فکسڈ ڈپازٹ پر سود پر فرد کے ٹیکس سلیب کے مطابق ٹیکس لگایا جاتا ہے۔ دوسری جانب،میوچل فنڈ ٹیکسیشن زیادہ تر انعقاد کی مدت پر منحصر ہے۔ شارٹ ٹرم کیپیٹل گینز (STCG) اور لانگ ٹرم کیپیٹل گینز (LTCG) دونوں پر مختلف ٹیکس لگایا جاتا ہے۔
8. ٹیکس سیونگ ایف ڈی کی V/S ایکویٹی لنکڈ سیونگ سکیمز (ELSS)
ان سرمایہ کاروں کے لیے جو IT ایکٹ کے سیکشن 80c کے تحت ٹیکس بچانے کے مقصد کے لیے ایف ڈی پر غور کر رہے ہیں۔ (5 سالہ لاکن)ای ایل ایس ایس میوچل فنڈز ایک اچھا متبادل ہیں کیونکہ ان کا 3 سال کا لاک ان ہے اور تاریخی طور پر بہتر منافع کی پیشکش کی ہے۔
کون سا بہتر سرمایہ کاری منصوبہ ہے؟
آئیے مختصراً دیکھتے ہیں:
| پیرامیٹر | مشترکہ فنڈ | معیاد مقررہ تک جمع |
|---|---|---|
| واپسی کی شرح | کوئی یقینی واپسی نہیں۔ | فکسڈ ریٹرن |
| انفلیشن ایڈجسٹ ریٹرن | اعلی افراط زر کی ایڈجسٹ شدہ واپسیوں کا امکان | عام طور پر کم افراط زر کی ایڈجسٹ شدہ واپسی |
| خطرہ | درمیانے درجے سے زیادہ خطرہ | کم خطرہ |
| لیکویڈیٹی | مائع | مائع |
| قبل از وقت واپسی | ایگزٹ لوڈ/کوئی لوڈ کے ساتھ اجازت ہے۔ | جرمانے کے ساتھ اجازت ہے۔ |
| سرمایہ کاری کی لاگت | انتظامی لاگت/خرچ کا تناسب | کوی قیمت نہیں |
| ٹیکس کی حیثیت | سازگار ٹیکس کی حیثیت | ٹیکس سلیب کے مطابق |
2022 میں سرمایہ کاری کے لیے بہترین میوچل فنڈز
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Nippon India Small Cap Fund Growth ₹164.281
↑ 0.48 ₹58,029 12.6 -2.8 4.1 28.1 41.6 26.1 ICICI Prudential Infrastructure Fund Growth ₹192.01
↑ 1.17 ₹7,416 13.3 5 7.6 32.9 41.2 27.4 Motilal Oswal Midcap 30 Fund Growth ₹99.3442
↓ -0.08 ₹27,780 7.4 -4.7 18.5 33.1 39.4 57.1 HDFC Infrastructure Fund Growth ₹47.337
↑ 0.40 ₹2,392 15.8 4 6.2 35.2 39.4 23 IDFC Infrastructure Fund Growth ₹50.207
↑ 0.14 ₹1,577 17.2 0.1 1.6 32 38.4 39.3 L&T Emerging Businesses Fund Growth ₹78.9557
↑ 0.47 ₹14,737 11.2 -5.7 2.2 24 38.3 28.5 Franklin India Smaller Companies Fund Growth ₹169.817
↑ 0.61 ₹12,530 13.3 -1.1 3.3 27.7 38.1 23.2 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 May 25
*نیچے 7 کی فہرست ہے۔بہترین باہمی فنڈز خالص اثاثے/AUM سے زیادہ ہونا The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related instruments of small cap companies and the secondary objective is to generate consistent returns by investing in debt and money market securities. Nippon India Small Cap Fund is a Equity - Small Cap fund was launched on 16 Sep 10. It is a fund with Moderately High risk and has given a Below is the key information for Nippon India Small Cap Fund Returns up to 1 year are on 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. ICICI Prudential Infrastructure Fund is a Equity - Sectoral fund was launched on 31 Aug 05. It is a fund with High risk and has given a Below is the key information for ICICI Prudential Infrastructure Fund Returns up to 1 year are on (Erstwhile Motilal Oswal MOSt Focused Midcap 30 Fund) The investment objective of the Scheme is to achieve long term capital appreciation by investing in a maximum of 30 quality mid-cap companies having long-term competitive advantages and potential for growth. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved. Motilal Oswal Midcap 30 Fund is a Equity - Mid Cap fund was launched on 24 Feb 14. It is a fund with Moderately High risk and has given a Below is the key information for Motilal Oswal Midcap 30 Fund Returns up to 1 year are on 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. HDFC Infrastructure Fund is a Equity - Sectoral fund was launched on 10 Mar 08. It is a fund with High risk and has given a Below is the key information for HDFC Infrastructure Fund Returns up to 1 year are on The investment objective of the scheme is to seek to generate long-term capital growth through an active diversified portfolio of predominantly equity and equity related instruments of companies that are participating in and benefiting from growth in Indian infrastructure and infrastructural related activities. However, there can be no assurance that the investment objective of the scheme will be realized. IDFC Infrastructure Fund is a Equity - Sectoral fund was launched on 8 Mar 11. It is a fund with High risk and has given a Below is the key information for IDFC Infrastructure Fund Returns up to 1 year are on To generate long-term capital appreciation from a diversified portfolio of predominantly equity and equity related securities, including equity derivatives, in the Indian markets with key theme focus being emerging companies (small cap stocks). The Scheme could also additionally invest in Foreign Securities. L&T Emerging Businesses Fund is a Equity - Small Cap fund was launched on 12 May 14. It is a fund with High risk and has given a Below is the key information for L&T Emerging Businesses Fund Returns up to 1 year are on The Fund seeks to provide long-term capital appreciation by investing in mid and small cap companies. Franklin India Smaller Companies Fund is a Equity - Small Cap fund was launched on 13 Jan 06. It is a fund with Moderately High risk and has given a Below is the key information for Franklin India Smaller Companies Fund Returns up to 1 year are on 100 کروڑ. 5 سال پر ترتیب دیا گیا۔سی اے جی آر/سالانہ واپسی1. Nippon India Small Cap Fund
CAGR/Annualized return of 21% since its launch. Ranked 6 in Small Cap category. Return for 2024 was 26.1% , 2023 was 48.9% and 2022 was 6.5% . Nippon India Small Cap Fund
Growth Launch Date 16 Sep 10 NAV (19 May 25) ₹164.281 ↑ 0.48 (0.30 %) Net Assets (Cr) ₹58,029 on 30 Apr 25 Category Equity - Small Cap AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.55 Sharpe Ratio -0.21 Information Ratio 0.55 Alpha Ratio 1.49 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 30 Apr 20 ₹10,000 30 Apr 21 ₹19,886 30 Apr 22 ₹27,720 30 Apr 23 ₹30,657 30 Apr 24 ₹49,376 30 Apr 25 ₹49,414 Returns for Nippon India Small Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 May 25 Duration Returns 1 Month 6.7% 3 Month 12.6% 6 Month -2.8% 1 Year 4.1% 3 Year 28.1% 5 Year 41.6% 10 Year 15 Year Since launch 21% Historical performance (Yearly) on absolute basis
Year Returns 2024 26.1% 2023 48.9% 2022 6.5% 2021 74.3% 2020 29.2% 2019 -2.5% 2018 -16.7% 2017 63% 2016 5.6% 2015 15.1% Fund Manager information for Nippon India Small Cap Fund
Name Since Tenure Samir Rachh 2 Jan 17 8.33 Yr. Kinjal Desai 25 May 18 6.94 Yr. Data below for Nippon India Small Cap Fund as on 30 Apr 25
Equity Sector Allocation
Sector Value Industrials 22.85% Consumer Cyclical 14.12% Financial Services 13.91% Basic Materials 12.5% Consumer Defensive 9.15% Health Care 8.25% Technology 8.09% Energy 1.92% Utility 1.9% Communication Services 1.47% Real Estate 0.5% Asset Allocation
Asset Class Value Cash 5.34% Equity 94.66% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 22 | HDFCBANK2% ₹1,280 Cr 6,650,000 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 28 Feb 21 | MCX2% ₹1,134 Cr 1,851,010 Dixon Technologies (India) Ltd (Technology)
Equity, Since 30 Nov 18 | DIXON1% ₹773 Cr 470,144 Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Oct 12 | KIRLOSBROS1% ₹766 Cr 4,472,130 Tube Investments of India Ltd Ordinary Shares (Industrials)
Equity, Since 30 Apr 18 | TIINDIA1% ₹724 Cr 2,499,222 State Bank of India (Financial Services)
Equity, Since 31 Oct 19 | SBIN1% ₹718 Cr 9,100,000 Karur Vysya Bank Ltd (Financial Services)
Equity, Since 28 Feb 17 | 5900031% ₹693 Cr 31,784,062 Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 30 Sep 22 | 5001031% ₹624 Cr 27,500,000 Emami Ltd (Consumer Defensive)
Equity, Since 31 Jul 23 | 5311621% ₹623 Cr 9,970,126 NLC India Ltd (Utilities)
Equity, Since 31 Oct 22 | NLCINDIA1% ₹619 Cr 27,190,940 2. ICICI Prudential Infrastructure Fund
CAGR/Annualized return of 16.2% since its launch. Ranked 27 in Sectoral category. Return for 2024 was 27.4% , 2023 was 44.6% and 2022 was 28.8% . ICICI Prudential Infrastructure Fund
Growth Launch Date 31 Aug 05 NAV (19 May 25) ₹192.01 ↑ 1.17 (0.61 %) Net Assets (Cr) ₹7,416 on 30 Apr 25 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 2.22 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 30 Apr 20 ₹10,000 30 Apr 21 ₹16,713 30 Apr 22 ₹23,306 30 Apr 23 ₹28,575 30 Apr 24 ₹47,499 30 Apr 25 ₹49,018 Returns for ICICI Prudential Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 May 25 Duration Returns 1 Month 6.8% 3 Month 13.3% 6 Month 5% 1 Year 7.6% 3 Year 32.9% 5 Year 41.2% 10 Year 15 Year Since launch 16.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 27.4% 2023 44.6% 2022 28.8% 2021 50.1% 2020 3.6% 2019 2.6% 2018 -14% 2017 40.8% 2016 2% 2015 -3.4% Fund Manager information for ICICI Prudential Infrastructure Fund
Name Since Tenure Ihab Dalwai 3 Jun 17 7.91 Yr. Sharmila D’mello 30 Jun 22 2.84 Yr. Data below for ICICI Prudential Infrastructure Fund as on 30 Apr 25
Equity Sector Allocation
Sector Value Industrials 37.76% Basic Materials 20.96% Financial Services 15.36% Utility 9.33% Energy 6.59% Communication Services 1.87% Consumer Cyclical 0.9% Real Estate 0.82% Asset Allocation
Asset Class Value Cash 5.82% Equity 93.59% Debt 0.6% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 09 | LT9% ₹678 Cr 1,940,000
↓ -112,790 Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 May 24 | ADANIPORTS4% ₹312 Cr 2,637,644
↓ -57,680 Shree Cement Ltd (Basic Materials)
Equity, Since 30 Apr 24 | 5003874% ₹264 Cr 86,408
↓ -12,000 NCC Ltd (Industrials)
Equity, Since 31 Aug 21 | NCC4% ₹262 Cr 12,522,005
↑ 515,888 NTPC Ltd (Utilities)
Equity, Since 29 Feb 16 | 5325553% ₹250 Cr 7,000,000
↓ -260,775 Vedanta Ltd (Basic Materials)
Equity, Since 31 Jul 24 | 5002953% ₹219 Cr 4,723,662
↓ -200,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 16 | ICICIBANK3% ₹216 Cr 1,600,000
↓ -390,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 23 | RELIANCE3% ₹199 Cr 1,559,486
↓ -150,000 Cummins India Ltd (Industrials)
Equity, Since 31 May 17 | 5004803% ₹194 Cr 635,000 Kalpataru Projects International Ltd (Industrials)
Equity, Since 30 Sep 06 | 5222873% ₹186 Cr 1,903,566 3. Motilal Oswal Midcap 30 Fund
CAGR/Annualized return of 22.7% since its launch. Ranked 27 in Mid Cap category. Return for 2024 was 57.1% , 2023 was 41.7% and 2022 was 10.7% . Motilal Oswal Midcap 30 Fund
Growth Launch Date 24 Feb 14 NAV (19 May 25) ₹99.3442 ↓ -0.08 (-0.09 %) Net Assets (Cr) ₹27,780 on 30 Apr 25 Category Equity - Mid Cap AMC Motilal Oswal Asset Management Co. Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 0.66 Sharpe Ratio 0.38 Information Ratio 0.46 Alpha Ratio 8.89 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 Apr 20 ₹10,000 30 Apr 21 ₹15,779 30 Apr 22 ₹22,526 30 Apr 23 ₹24,941 30 Apr 24 ₹40,218 30 Apr 25 ₹45,886 Returns for Motilal Oswal Midcap 30 Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 May 25 Duration Returns 1 Month 9.3% 3 Month 7.4% 6 Month -4.7% 1 Year 18.5% 3 Year 33.1% 5 Year 39.4% 10 Year 15 Year Since launch 22.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 57.1% 2023 41.7% 2022 10.7% 2021 55.8% 2020 9.3% 2019 9.7% 2018 -12.7% 2017 30.8% 2016 5.2% 2015 16.5% Fund Manager information for Motilal Oswal Midcap 30 Fund
Name Since Tenure Ajay Khandelwal 1 Oct 24 0.58 Yr. Niket Shah 1 Jul 20 4.83 Yr. Rakesh Shetty 22 Nov 22 2.44 Yr. Sunil Sawant 1 Jul 24 0.83 Yr. Data below for Motilal Oswal Midcap 30 Fund as on 30 Apr 25
Equity Sector Allocation
Sector Value Technology 29.99% Consumer Cyclical 16.64% Industrials 14.58% Health Care 4.76% Communication Services 3.95% Real Estate 3.03% Basic Materials 2.07% Utility 0.35% Financial Services 0.09% Asset Allocation
Asset Class Value Cash 32.1% Equity 67.9% Top Securities Holdings / Portfolio
Name Holding Value Quantity Persistent Systems Ltd (Technology)
Equity, Since 31 Jan 23 | PERSISTENT10% ₹2,794 Cr 5,250,000
↑ 750,200 Coforge Ltd (Technology)
Equity, Since 31 Mar 23 | COFORGE9% ₹2,630 Cr 3,600,000
↑ 350,000 Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 29 Feb 24 | KALYANKJIL8% ₹2,246 Cr 43,490,250
↑ 3,495,625 Polycab India Ltd (Industrials)
Equity, Since 30 Sep 23 | POLYCAB5% ₹1,380 Cr 2,500,000
↑ 275,000 Dixon Technologies (India) Ltd (Technology)
Equity, Since 31 Mar 23 | DIXON4% ₹1,210 Cr 735,200 Trent Ltd (Consumer Cyclical)
Equity, Since 30 Nov 24 | 5002514% ₹1,105 Cr 2,135,744 Bharti Hexacom Ltd (Communication Services)
Equity, Since 31 Oct 24 | BHARTIHEXA4% ₹1,098 Cr 6,500,000 Max Healthcare Institute Ltd Ordinary Shares (Healthcare)
Equity, Since 31 Mar 24 | MAXHEALTH4% ₹1,095 Cr 9,969,361 One97 Communications Ltd (Technology)
Equity, Since 30 Sep 24 | 5433964% ₹1,071 Cr 12,388,500 KEI Industries Ltd (Industrials)
Equity, Since 30 Nov 24 | KEI3% ₹827 Cr 2,700,000
↑ 200,000 4. HDFC Infrastructure Fund
CAGR/Annualized return of since its launch. Ranked 26 in Sectoral category. Return for 2024 was 23% , 2023 was 55.4% and 2022 was 19.3% . HDFC Infrastructure Fund
Growth Launch Date 10 Mar 08 NAV (19 May 25) ₹47.337 ↑ 0.40 (0.86 %) Net Assets (Cr) ₹2,392 on 30 Apr 25 Category Equity - Sectoral AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 2.31 Sharpe Ratio -0.27 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 30 Apr 20 ₹10,000 30 Apr 21 ₹15,304 30 Apr 22 ₹20,191 30 Apr 23 ₹23,618 30 Apr 24 ₹43,071 30 Apr 25 ₹43,168 Returns for HDFC Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 May 25 Duration Returns 1 Month 6.3% 3 Month 15.8% 6 Month 4% 1 Year 6.2% 3 Year 35.2% 5 Year 39.4% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2024 23% 2023 55.4% 2022 19.3% 2021 43.2% 2020 -7.5% 2019 -3.4% 2018 -29% 2017 43.3% 2016 -1.9% 2015 -2.5% Fund Manager information for HDFC Infrastructure Fund
Name Since Tenure Srinivasan Ramamurthy 12 Jan 24 1.3 Yr. Dhruv Muchhal 22 Jun 23 1.86 Yr. Data below for HDFC Infrastructure Fund as on 30 Apr 25
Equity Sector Allocation
Sector Value Industrials 38.73% Financial Services 20.42% Basic Materials 10.95% Utility 7.64% Energy 7.08% Communication Services 3.68% Health Care 1.7% Technology 1.31% Real Estate 0.84% Consumer Cyclical 0.48% Asset Allocation
Asset Class Value Cash 6.07% Equity 92.83% Debt 1.1% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK8% ₹175 Cr 1,300,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT6% ₹133 Cr 380,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 23 | HDFCBANK5% ₹128 Cr 700,000 J Kumar Infraprojects Ltd (Industrials)
Equity, Since 31 Oct 15 | JKIL4% ₹92 Cr 1,450,000 NTPC Ltd (Utilities)
Equity, Since 31 Dec 17 | 5325553% ₹79 Cr 2,200,000 InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Dec 21 | INDIGO3% ₹77 Cr 150,000 Kalpataru Projects International Ltd (Industrials)
Equity, Since 31 Jan 23 | 5222873% ₹74 Cr 758,285 Coal India Ltd (Energy)
Equity, Since 31 Oct 18 | COALINDIA3% ₹68 Cr 1,700,000 Reliance Industries Ltd (Energy)
Equity, Since 31 May 24 | RELIANCE3% ₹64 Cr 500,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 20 | BHARTIARTL3% ₹61 Cr 350,000 5. IDFC Infrastructure Fund
CAGR/Annualized return of 12% since its launch. Ranked 1 in Sectoral category. Return for 2024 was 39.3% , 2023 was 50.3% and 2022 was 1.7% . IDFC Infrastructure Fund
Growth Launch Date 8 Mar 11 NAV (19 May 25) ₹50.207 ↑ 0.14 (0.29 %) Net Assets (Cr) ₹1,577 on 30 Apr 25 Category Equity - Sectoral AMC IDFC Asset Management Company Limited Rating ☆☆☆☆☆ Risk High Expense Ratio 2.33 Sharpe Ratio -0.13 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-365 Days (1%),365 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹17,502 30 Apr 22 ₹22,498 30 Apr 23 ₹24,884 30 Apr 24 ₹44,570 30 Apr 25 ₹44,537 Returns for IDFC Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 May 25 Duration Returns 1 Month 6.8% 3 Month 17.2% 6 Month 0.1% 1 Year 1.6% 3 Year 32% 5 Year 38.4% 10 Year 15 Year Since launch 12% Historical performance (Yearly) on absolute basis
Year Returns 2024 39.3% 2023 50.3% 2022 1.7% 2021 64.8% 2020 6.3% 2019 -5.3% 2018 -25.9% 2017 58.7% 2016 10.7% 2015 -0.2% Fund Manager information for IDFC Infrastructure Fund
Name Since Tenure Vishal Biraia 24 Jan 24 1.27 Yr. Ritika Behera 7 Oct 23 1.57 Yr. Gaurav Satra 7 Jun 24 0.9 Yr. Data below for IDFC Infrastructure Fund as on 30 Apr 25
Equity Sector Allocation
Sector Value Industrials 56.16% Utility 13.16% Basic Materials 9.87% Communication Services 4.63% Energy 3.69% Financial Services 2.72% Consumer Cyclical 2.55% Technology 2.5% Health Care 1.93% Asset Allocation
Asset Class Value Cash 2.79% Equity 97.21% Top Securities Holdings / Portfolio
Name Holding Value Quantity Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Dec 17 | KIRLOSBROS5% ₹76 Cr 443,385 Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 12 | LT4% ₹64 Cr 183,173 UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Mar 14 | 5325384% ₹58 Cr 50,452 Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 24 | RELIANCE4% ₹58 Cr 452,706 GPT Infraprojects Ltd (Industrials)
Equity, Since 30 Nov 17 | GPTINFRA4% ₹57 Cr 4,797,143 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 19 | BHARTIARTL4% ₹57 Cr 330,018 Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 Dec 23 | ADANIPORTS3% ₹43 Cr 365,137 Bharat Electronics Ltd (Industrials)
Equity, Since 31 Oct 19 | BEL3% ₹43 Cr 1,431,700 KEC International Ltd (Industrials)
Equity, Since 30 Jun 24 | 5327143% ₹40 Cr 512,915 PTC India Financial Services Ltd (Financial Services)
Equity, Since 31 Dec 23 | PFS2% ₹39 Cr 12,400,122 6. L&T Emerging Businesses Fund
CAGR/Annualized return of 20.6% since its launch. Ranked 2 in Small Cap category. Return for 2024 was 28.5% , 2023 was 46.1% and 2022 was 1% . L&T Emerging Businesses Fund
Growth Launch Date 12 May 14 NAV (19 May 25) ₹78.9557 ↑ 0.47 (0.60 %) Net Assets (Cr) ₹14,737 on 30 Apr 25 Category Equity - Small Cap AMC L&T Investment Management Ltd Rating ☆☆☆☆☆ Risk High Expense Ratio 1.73 Sharpe Ratio -0.3 Information Ratio -0.1 Alpha Ratio -0.46 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 Apr 20 ₹10,000 30 Apr 21 ₹19,121 30 Apr 22 ₹26,796 30 Apr 23 ₹29,556 30 Apr 24 ₹45,159 30 Apr 25 ₹43,663 Returns for L&T Emerging Businesses Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 May 25 Duration Returns 1 Month 7.5% 3 Month 11.2% 6 Month -5.7% 1 Year 2.2% 3 Year 24% 5 Year 38.3% 10 Year 15 Year Since launch 20.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 28.5% 2023 46.1% 2022 1% 2021 77.4% 2020 15.5% 2019 -8.1% 2018 -13.7% 2017 66.5% 2016 10.2% 2015 12.3% Fund Manager information for L&T Emerging Businesses Fund
Name Since Tenure Venugopal Manghat 17 Dec 19 5.37 Yr. Cheenu Gupta 1 Oct 23 1.58 Yr. Sonal Gupta 1 Oct 23 1.58 Yr. Data below for L&T Emerging Businesses Fund as on 30 Apr 25
Equity Sector Allocation
Sector Value Industrials 26.11% Consumer Cyclical 15.8% Financial Services 13.58% Basic Materials 10.91% Technology 9.31% Health Care 5.7% Real Estate 4.71% Consumer Defensive 4.25% Energy 1.01% Asset Allocation
Asset Class Value Cash 6.28% Equity 93.72% Top Securities Holdings / Portfolio
Name Holding Value Quantity Neuland Laboratories Limited
Equity, Since 31 Jan 24 | -2% ₹339 Cr 280,946
↓ -11,533 Aditya Birla Real Estate Ltd (Basic Materials)
Equity, Since 30 Sep 22 | 5000402% ₹313 Cr 1,595,574 K.P.R. Mill Ltd (Consumer Cyclical)
Equity, Since 28 Feb 15 | KPRMILL2% ₹312 Cr 3,445,300
↑ 158,403 The Federal Bank Ltd (Financial Services)
Equity, Since 30 Sep 22 | FEDERALBNK2% ₹300 Cr 15,544,000
↑ 2,257,421 Time Technoplast Ltd (Consumer Cyclical)
Equity, Since 31 Jan 24 | TIMETECHNO2% ₹284 Cr 6,810,500 Suven Pharmaceuticals Ltd (Healthcare)
Equity, Since 31 Mar 20 | SUVENPHAR2% ₹265 Cr 2,298,085 Sumitomo Chemical India Ltd Ordinary Shares (Basic Materials)
Equity, Since 31 Oct 20 | SUMICHEM2% ₹261 Cr 4,672,221 Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Jan 20 | AMBER2% ₹257 Cr 356,138 KFin Technologies Ltd (Technology)
Equity, Since 31 Aug 24 | KFINTECH2% ₹250 Cr 2,429,736 Karur Vysya Bank Ltd (Financial Services)
Equity, Since 31 Oct 22 | 5900032% ₹249 Cr 11,912,400 7. Franklin India Smaller Companies Fund
CAGR/Annualized return of 15.8% since its launch. Ranked 11 in Small Cap category. Return for 2024 was 23.2% , 2023 was 52.1% and 2022 was 3.6% . Franklin India Smaller Companies Fund
Growth Launch Date 13 Jan 06 NAV (19 May 25) ₹169.817 ↑ 0.61 (0.36 %) Net Assets (Cr) ₹12,530 on 30 Apr 25 Category Equity - Small Cap AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.78 Sharpe Ratio -0.31 Information Ratio 0.37 Alpha Ratio -0.69 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 Apr 20 ₹10,000 30 Apr 21 ₹18,368 30 Apr 22 ₹24,081 30 Apr 23 ₹26,893 30 Apr 24 ₹43,206 30 Apr 25 ₹42,389 Returns for Franklin India Smaller Companies Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 May 25 Duration Returns 1 Month 8.2% 3 Month 13.3% 6 Month -1.1% 1 Year 3.3% 3 Year 27.7% 5 Year 38.1% 10 Year 15 Year Since launch 15.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 23.2% 2023 52.1% 2022 3.6% 2021 56.4% 2020 18.7% 2019 -5% 2018 -17.4% 2017 43.5% 2016 10.2% 2015 9.6% Fund Manager information for Franklin India Smaller Companies Fund
Name Since Tenure R. Janakiraman 1 Feb 11 14.25 Yr. Sandeep Manam 18 Oct 21 3.54 Yr. Akhil Kalluri 8 Sep 22 2.64 Yr. Data below for Franklin India Smaller Companies Fund as on 30 Apr 25
Equity Sector Allocation
Sector Value Industrials 19.26% Financial Services 18.94% Consumer Cyclical 15.15% Health Care 11.27% Basic Materials 10.48% Technology 4.67% Real Estate 4.54% Consumer Defensive 3.5% Utility 2.72% Energy 0.93% Communication Services 0.01% Asset Allocation
Asset Class Value Cash 7.22% Equity 92.61% Top Securities Holdings / Portfolio
Name Holding Value Quantity Aster DM Healthcare Ltd Ordinary Shares (Healthcare)
Equity, Since 31 Jul 23 | ASTERDM3% ₹388 Cr 8,018,630 Brigade Enterprises Ltd (Real Estate)
Equity, Since 30 Jun 14 | 5329293% ₹378 Cr 3,868,691 Karur Vysya Bank Ltd (Financial Services)
Equity, Since 31 Oct 12 | 5900032% ₹293 Cr 13,998,917 Deepak Nitrite Ltd (Basic Materials)
Equity, Since 31 Jan 16 | DEEPAKNTR2% ₹275 Cr 1,387,967 Eris Lifesciences Ltd Registered Shs (Healthcare)
Equity, Since 30 Sep 19 | ERIS2% ₹265 Cr 1,866,828 Equitas Small Finance Bank Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Oct 20 | EQUITASBNK2% ₹264 Cr 48,064,081 Crompton Greaves Consumer Electricals Ltd (Consumer Cyclical)
Equity, Since 31 Jan 24 | CROMPTON2% ₹244 Cr 6,900,000 ICICI Bank Ltd (Financial Services)
Equity, Since 28 Feb 21 | ICICIBANK2% ₹237 Cr 1,759,945 J.B. Chemicals & Pharmaceuticals Ltd (Healthcare)
Equity, Since 30 Jun 14 | JBCHEPHARM2% ₹235 Cr 1,448,723 Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 31 May 22 | KALYANKJIL2% ₹232 Cr 4,963,469
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Great Read. Clarified my doubts.