+91-22-489139098 بہترین ہائبرڈ بیلنسڈ میوچل فنڈز 2022
ہائبرڈ فنڈز کو عام طور پر بھی کہا جاتا ہے۔متوازن فنڈ. ہائبرڈ فنڈز کی ایک قسم ہے۔باہمی چندہ جو ایکویٹی اور دونوں میں سرمایہ کاری کرتا ہے۔قرض باہمی فنڈ. دوسرے لفظوں میں، یہ فنڈ قرض اور ایکویٹی دونوں کے امتزاج کے طور پر کام کرتا ہے، جہاں تقریباً 65% پورٹ فولیو ایکویٹیز اور باقی فکسڈ کے لیے وقف ہے۔آمدنی آلات
ہائبرڈ فنڈز ان سرمایہ کاروں کے لیے ایک بہترین آپشن ہیں جو ڈرتے ہیں۔سرمایہ کاری میںایکویٹی فنڈز. یہ فنڈ خطرے کے حصے کو کم کرے گا اور وقت کے ساتھ ساتھ زیادہ سے زیادہ منافع حاصل کرنے میں بھی مدد کرے گا۔ بہترین ممکنہ منافع کمانے کے لیے، سرمایہ کاروں کو مشورہ دیا جاتا ہے کہ وہ بہترین ہائبرڈ میوچل فنڈز یا بہترین متوازن فنڈز میں سرمایہ کاری کریں۔ اس طرح، آپ کے لیے سرمایہ کاری کے عمل کو آسان بنانے کے لیے، ہم نے ذیل کے مضمون میں 2022 - 2023 میں سرمایہ کاری کے لیے کچھ اعلیٰ کارکردگی کا مظاہرہ کرنے والے ہائبرڈ فنڈز کو شارٹ لسٹ کیا ہے۔
ہائبرڈ یا متوازن میوچل فنڈز میں کیوں سرمایہ کاری کریں؟
ہائبرڈ فنڈز پورٹ فولیو کو متوازن کرنے میں مدد کرتے ہیں۔ جیسا کہ فنڈ دونوں اسٹاک میں سرمایہ کاری کرتا ہے اوربانڈز، سرمایہ کار متوازن میوچل فنڈ میں سرمایہ کاری کرکے آسانی سے ایک متوازن پورٹ فولیو بنا سکتے ہیں۔ یہ اسکیم تنوع کے فوائد بھی فراہم کرتی ہے۔ تنوع مستحکم منافع پیدا کرنے میں مدد کرتا ہے۔ تاکہ اگر ایک فنڈ کم کارکردگی دکھاتا ہے تو دوسرے پورٹ فولیو کو مستحکم کر سکتے ہیں۔ اس سے پورٹ فولیو کا مجموعی خطرہ کم ہو جائے گا۔
ہائبرڈ یا متوازن فنڈز ان لوگوں کے لیے بھی ایک گیٹ وے ہیں جو اپنی ایکویٹی سرمایہ کاری شروع کرنا چاہتے ہیں۔ اس سے مختصر سے درمیانی مدت میں زیادہ سے زیادہ منافع حاصل کرنے میں مدد ملے گی۔ یہ ہمیشہ بدلتے ہوئے ایکویٹی کے بڑے زوال کو بھی روکے گا۔مارکیٹ حالات مزید برآں، ہائبرڈ فنڈز میں اعتدال پسند خطرہ ہوتا ہے، جب کہ ایکویٹی فنڈز میں سرمایہ کاری کا خطرہ زیادہ ہوتا ہے۔
مثالی طور پر، ہائبرڈ فنڈز ان سرمایہ کاروں کے لیے سرمایہ کاری کا ایک اچھا اختیار ہو سکتا ہے جو چاہتے ہیں۔میوچل فنڈز میں سرمایہ کاری کریں۔. ان فنڈز میں دونوں جہانوں میں بہترین ہے: ایکویٹی کے فوائد حاصل کرتے ہوئے aمقررہ آمدنی سرمایہ کاری اس طرح، سرمایہ کار اوپر دیے گئے بہترین ہائبرڈ میوچل فنڈز کا انتخاب کرسکتے ہیں اور اسکیم میں سرمایہ کاری کرکے اچھا منافع کما سکتے ہیں۔
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مالی سال 22 - 23 میں سرمایہ کاری کے لیے سرفہرست 8 ہائبرڈ میوچل فنڈز
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) ICICI Prudential Equity and Debt Fund Growth ₹412.02
↓ -0.26 ₹48,071 5 6.9 12.8 19 24 17.2 JM Equity Hybrid Fund Growth ₹121.996
↓ -0.37 ₹816 3.1 3.5 -1.2 18.6 18.4 27 BOI AXA Mid and Small Cap Equity and Debt Fund Growth ₹38.13
↓ -0.04 ₹1,326 1.9 1.1 -0.6 18 20.4 25.8 UTI Hybrid Equity Fund Growth ₹418.129
↓ -0.01 ₹6,596 5.7 4.4 6.3 16.2 18.4 19.7 Sundaram Equity Hybrid Fund Growth ₹135.137
↑ 0.78 ₹1,954 0.5 10.5 27.1 16 14.2 DSP Equity and Bond Fund Growth ₹364.768
↓ -0.36 ₹11,910 3.9 2.1 6.5 15.8 14.9 17.7 Bandhan Hybrid Equity Fund Growth ₹27.083
↑ 0.02 ₹1,365 5.4 8.1 9.9 15.5 16.5 21 Nippon India Equity Hybrid Fund Growth ₹108.27
↓ 0.00 ₹4,081 4.9 5.2 7.1 14.9 17.4 16.1 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Nov 25 Research Highlights & Commentary of 8 Funds showcased
Commentary ICICI Prudential Equity and Debt Fund JM Equity Hybrid Fund BOI AXA Mid and Small Cap Equity and Debt Fund UTI Hybrid Equity Fund Sundaram Equity Hybrid Fund DSP Equity and Bond Fund Bandhan Hybrid Equity Fund Nippon India Equity Hybrid Fund Point 1 Highest AUM (₹48,071 Cr). Bottom quartile AUM (₹816 Cr). Bottom quartile AUM (₹1,326 Cr). Upper mid AUM (₹6,596 Cr). Lower mid AUM (₹1,954 Cr). Top quartile AUM (₹11,910 Cr). Lower mid AUM (₹1,365 Cr). Upper mid AUM (₹4,081 Cr). Point 2 Established history (26+ yrs). Oldest track record among peers (30 yrs). Established history (9+ yrs). Established history (30+ yrs). Established history (25+ yrs). Established history (26+ yrs). Established history (8+ yrs). Established history (20+ yrs). Point 3 Top rated. Rating: 1★ (lower mid). Not Rated. Rating: 3★ (upper mid). Rating: 2★ (lower mid). Rating: 4★ (top quartile). Not Rated. Rating: 4★ (upper mid). Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 23.98% (top quartile). 5Y return: 18.42% (upper mid). 5Y return: 20.43% (top quartile). 5Y return: 18.35% (upper mid). 5Y return: 14.20% (bottom quartile). 5Y return: 14.90% (bottom quartile). 5Y return: 16.46% (lower mid). 5Y return: 17.45% (lower mid). Point 6 3Y return: 18.98% (top quartile). 3Y return: 18.59% (top quartile). 3Y return: 18.05% (upper mid). 3Y return: 16.24% (upper mid). 3Y return: 16.03% (lower mid). 3Y return: 15.79% (lower mid). 3Y return: 15.55% (bottom quartile). 3Y return: 14.90% (bottom quartile). Point 7 1Y return: 12.82% (top quartile). 1Y return: -1.24% (bottom quartile). 1Y return: -0.60% (bottom quartile). 1Y return: 6.25% (lower mid). 1Y return: 27.10% (top quartile). 1Y return: 6.49% (lower mid). 1Y return: 9.94% (upper mid). 1Y return: 7.12% (upper mid). Point 8 1M return: 0.67% (upper mid). 1M return: -0.87% (bottom quartile). 1M return: -0.39% (bottom quartile). 1M return: 1.49% (top quartile). 1M return: 1.80% (top quartile). 1M return: 0.16% (lower mid). 1M return: 0.06% (lower mid). 1M return: 0.42% (upper mid). Point 9 Alpha: 2.46 (upper mid). Alpha: -7.75 (bottom quartile). Alpha: 0.00 (upper mid). Alpha: -2.84 (bottom quartile). Alpha: 5.81 (top quartile). Alpha: -1.93 (lower mid). Alpha: 3.43 (top quartile). Alpha: -1.29 (lower mid). Point 10 Sharpe: 0.36 (top quartile). Sharpe: -0.53 (bottom quartile). Sharpe: -0.19 (lower mid). Sharpe: -0.20 (bottom quartile). Sharpe: 2.64 (top quartile). Sharpe: -0.12 (lower mid). Sharpe: 0.34 (upper mid). Sharpe: -0.04 (upper mid). ICICI Prudential Equity and Debt Fund
JM Equity Hybrid Fund
BOI AXA Mid and Small Cap Equity and Debt Fund
UTI Hybrid Equity Fund
Sundaram Equity Hybrid Fund
DSP Equity and Bond Fund
Bandhan Hybrid Equity Fund
Nippon India Equity Hybrid Fund
اثاثے> 500 کروڑ اور ترتیب دیا گیا3 سالسی اے جی آر واپسی.
ہائبرڈ / متوازن میوچل فنڈز کی بنیادی باتیں
1. متوازن فنڈز کو سمجھنا
ہندوستان میں، بیلنس فنڈز عام طور پر اپنے پورٹ فولیو کا 65% اسٹاک/ایکویٹی/حصص میں اور بقیہ وسائل بانڈز اور دیگر قرض کے آلات جیسے کارپوریٹ بانڈ/گورنمنٹ بانڈز/انفراسٹرکچر بانڈز میں لگاتے ہیں۔ لہذا متوازن فنڈز عام طور پر ایکویٹی پر مبنی ہائبرڈ فنڈز ہوتے ہیں۔ وہ پہلی بار سرمایہ کاروں کے لیے ایک مناسب آپشن کے طور پر کام کرتے ہیں جن کے پاس کم-خطرے کی بھوک. وہ ان سرمایہ کاروں کے لیے ہیں جو خطرناک آپشن نہیں لینا چاہتے لیکن پھر بھی چاہتے ہیں۔سرمایہ تعریف اس کے علاوہ قرض پر مبنی ہائبرڈ/متوازن فنڈز ہیں جن میں 65% اور 35% ایکویٹی ہے۔
2. ہائبرڈ میوچل فنڈز کی اقسام
میوچل فنڈز کی حالیہ (مارچ - اپریل 2018) کی بنیاد پرSEBI. ہائبرڈ فنڈ کی اقسام درج ذیل ہیں۔
| قسم | تفصیلات |
|---|---|
| ہائبرڈ ایکویٹی | 65% ایکویٹی 35% قرض |
| ہائبرڈ قرض | 65% قرض 35% ایکویٹی |
| ثالثی | 100% ایکویٹی آربیٹریج |
| متحرک مختص | قیمتوں کی بنیاد پر متحرک Allocaiton |
| ایکویٹی بچت | ثالثی کے مواقع، ایکویٹی / ایکویٹی سے متعلق آلات اور قرض میں سرمایہ کاریکرنسی مارکیٹ آلات |
| کثیر اثاثہ | ایک سے زیادہ اثاثہ پسندفلوٹنگ ریٹ اور مقررہ شرح قرض کے آلات، ایکویٹی، منی مارکیٹ کے آلات اور مشتقات |
| متوازن ہائبرڈ | 50% ایکویٹی 50% قرض |
3. متوازن فنڈز کے فوائد
بیلنس فنڈز میوچل فنڈ کے ایک ہی ڈاکٹ کی شکل میں تنوع کی سہولت فراہم کرتے ہیں۔ ایکسرمایہ کار اس طرح فنڈز کے گلدستے کا تجزیہ اور انتخاب کرنے کی پریشانی سے گزرنا پڑتا ہے۔ ایک پیشہ ورانہ تربیت یافتہ اور تجربہ کار فنڈ مینیجر سرمایہ کار کے لیے یہ کام کرتا ہے۔ قرض اور ایکویٹی اجزاء کا حسابی امتزاج فنڈز کو مارکیٹ کے اتار چڑھاؤ کا کم خطرہ بناتا ہے۔ فنڈ کے ایکویٹی اجزاء کا مقصد سرمائے کی قدر میں اضافہ کرنا ہے اور ان کے قرض کے اجزاء سرمایہ کاری کو مارکیٹ کی غیر متوقع اصلاحات سے بچانے کے لیے سیکیورٹیز کے طور پر کام کرتے ہیں۔
4. متوازن فنڈز کے نقصانات
اگرچہ ایسا لگتا ہے کہ متوازن فنڈز عملی طور پر خطرے سے پاک ہیں، لیکن یہ مکمل طور پر ایسا نہیں ہے۔ متوازن فنڈز کے خطرات کا اپنا حصہ ہوتا ہے۔ جب کہ متعدد اسٹاک اور قرض کے آلات میں براہ راست سرمایہ کاری کی صورت میں، کوئی بھی مختلف فنڈز کے درمیان وسائل کو متنوع کے طور پر منتقل کر سکتا ہے۔ٹیکس پلاننگ یا دولت کی تخلیق۔ تاہم، بیلنس فنڈز میں، چونکہ وسائل کی تقسیم کا فیصلہ فنڈ مینیجر کے پاس ہوتا ہے، اس لیے حسب ضرورت تنوع ممکن نہیں ہے۔
5. بہتر خطرے پر مبنی منافع
متوازن فنڈز نے طویل مدت میں ایکویٹی ریٹرن کے مقابلے بہتر رسک ایڈجسٹ شدہ منافع دیا ہے۔ ذیل میں ایک موازنہ کچھ خاص مفروضوں پر مبنی ہے جو مستقبل میں وقتاً فوقتاً تبدیل ہو سکتا ہے۔
| فنڈ کیٹیگری | 5 سالہ رولنگ ریٹرن | خطرے پر مبنی Std انحراف |
|---|---|---|
| متوازن فنڈز | 13.20% | 2.9 |
| بڑے کیپ فنڈز | 12.90% | 3.47 |
| درمیانی ٹوپی اور لارج کیپ فنڈز | 13.96% | 3.82 |
| متنوع فنڈز | 14.91% | 3.96 |
(Erstwhile ICICI Prudential Balanced Fund) To generate long term capital appreciation and current income from a portfolio
that is invested in equity and equity related securities as well as in fixed income
securities. Below is the key information for ICICI Prudential Equity and Debt Fund Returns up to 1 year are on (Erstwhile JM Balanced Fund) To provide steady current income as well as long term growth of capital. Research Highlights for JM Equity Hybrid Fund Below is the key information for JM Equity Hybrid Fund Returns up to 1 year are on (Erstwhile BOI AXA Mid Cap Equity And Debt Fund) The scheme's objective is to provide capital appreciation and income distribution to investors from a portfolio constituting of mid cap equity and equity related securities as well as fixed income securities.However there can be no assurance that the investment objectives of the Scheme will be realized Research Highlights for BOI AXA Mid and Small Cap Equity and Debt Fund Below is the key information for BOI AXA Mid and Small Cap Equity and Debt Fund Returns up to 1 year are on (Erstwhile UTI Balanced Fund) The scheme aims to invest in a portfolio of equity/equity related securities and fixed income securities (debt and money market securities) with a view to generating regular income together with capital appreciation. Research Highlights for UTI Hybrid Equity Fund Below is the key information for UTI Hybrid Equity Fund Returns up to 1 year are on (Erstwhile Sundaram Balanced Fund) The scheme seeks to generate capital appreciation and current income through a judicious mix of investments in equities and fixed income securities. Research Highlights for Sundaram Equity Hybrid Fund Below is the key information for Sundaram Equity Hybrid Fund Returns up to 1 year are on Seeks to generate long term capital appreciation and current income from a portfolio constituted of equity and equity related securities as well as fixed income securities. Research Highlights for DSP Equity and Bond Fund Below is the key information for DSP Equity and Bond Fund Returns up to 1 year are on (Erstwhile IDFC Balanced Fund) The Fund seeks to generate long term capital appreciation along with current income by investing in a mix of equity and equity related securities, debt securities and money market instruments. There is no assurance or guarantee that the objectives of the scheme will be realised. Research Highlights for Bandhan Hybrid Equity Fund Below is the key information for Bandhan Hybrid Equity Fund Returns up to 1 year are on (Erstwhile Reliance Regular Savings Fund - Balanced Plan) The primary investment objective of this option is to generate consistent returns and appreciation of capital by investing in mix of securities comprising of Equity, Equity related instruments & fixed income instruments. Research Highlights for Nippon India Equity Hybrid Fund Below is the key information for Nippon India Equity Hybrid Fund Returns up to 1 year are on 1. ICICI Prudential Equity and Debt Fund
ICICI Prudential Equity and Debt Fund
Growth Launch Date 3 Nov 99 NAV (28 Nov 25) ₹412.02 ↓ -0.26 (-0.06 %) Net Assets (Cr) ₹48,071 on 31 Oct 25 Category Hybrid - Hybrid Equity AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.6 Sharpe Ratio 0.36 Information Ratio 1.89 Alpha Ratio 2.46 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 Nov 20 ₹10,000 30 Nov 21 ₹15,156 30 Nov 22 ₹17,515 30 Nov 23 ₹20,852 30 Nov 24 ₹26,156 30 Nov 25 ₹29,290 Returns for ICICI Prudential Equity and Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Nov 25 Duration Returns 1 Month 0.7% 3 Month 5% 6 Month 6.9% 1 Year 12.8% 3 Year 19% 5 Year 24% 10 Year 15 Year Since launch 15.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 17.2% 2023 28.2% 2022 11.7% 2021 41.7% 2020 9% 2019 9.3% 2018 -1.9% 2017 24.8% 2016 13.7% 2015 2.1% Fund Manager information for ICICI Prudential Equity and Debt Fund
Name Since Tenure Sankaran Naren 7 Dec 15 9.91 Yr. Manish Banthia 19 Sep 13 12.13 Yr. Mittul Kalawadia 29 Dec 20 4.84 Yr. Akhil Kakkar 22 Jan 24 1.78 Yr. Sri Sharma 30 Apr 21 4.51 Yr. Sharmila D’mello 31 Jul 22 3.26 Yr. Nitya Mishra 4 Nov 24 0.99 Yr. Data below for ICICI Prudential Equity and Debt Fund as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 6.42% Equity 76.1% Debt 17.44% Equity Sector Allocation
Sector Value Financial Services 19.84% Consumer Cyclical 10.96% Energy 8.31% Health Care 7% Industrials 5.77% Utility 5.76% Technology 5.38% Consumer Defensive 4.91% Real Estate 2.84% Communication Services 2.58% Basic Materials 2.34% Debt Sector Allocation
Sector Value Government 11.29% Corporate 8.98% Cash Equivalent 3.62% Credit Quality
Rating Value A 1.75% AA 18.87% AAA 79.38% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jul 12 | ICICIBANK6% ₹3,089 Cr 22,962,853
↑ 4,652,988 Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 22 | RELIANCE6% ₹2,756 Cr 18,543,909
↑ 2,845,823 NTPC Ltd (Utilities)
Equity, Since 28 Feb 17 | 5325555% ₹2,563 Cr 76,074,915 Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 May 16 | SUNPHARMA5% ₹2,279 Cr 13,476,970
↑ 102,381 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 21 | HDFCBANK4% ₹2,145 Cr 21,722,693
↑ 2,346,789 Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 21 | 5322153% ₹1,413 Cr 11,459,322
↓ -3,324,953 TVS Motor Co Ltd (Consumer Cyclical)
Equity, Since 28 Feb 18 | 5323433% ₹1,408 Cr 4,012,393 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Jul 21 | MARUTI3% ₹1,363 Cr 842,167
↓ -60,600 Avenue Supermarts Ltd (Consumer Defensive)
Equity, Since 31 Jan 23 | 5403763% ₹1,231 Cr 2,962,780 Infosys Ltd (Technology)
Equity, Since 30 Jun 16 | INFY3% ₹1,206 Cr 8,138,013
↓ -1,600,000 2. JM Equity Hybrid Fund
JM Equity Hybrid Fund
Growth Launch Date 1 Apr 95 NAV (28 Nov 25) ₹121.996 ↓ -0.37 (-0.30 %) Net Assets (Cr) ₹816 on 31 Oct 25 Category Hybrid - Hybrid Equity AMC JM Financial Asset Management Limited Rating ☆ Risk Moderately High Expense Ratio 2.3 Sharpe Ratio -0.53 Information Ratio 0.93 Alpha Ratio -7.75 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-60 Days (1%),60 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹12,690 30 Nov 22 ₹14,012 30 Nov 23 ₹17,706 30 Nov 24 ₹23,684 30 Nov 25 ₹23,285 Returns for JM Equity Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Nov 25 Duration Returns 1 Month -0.9% 3 Month 3.1% 6 Month 3.5% 1 Year -1.2% 3 Year 18.6% 5 Year 18.4% 10 Year 15 Year Since launch 12.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 27% 2023 33.8% 2022 8.1% 2021 22.9% 2020 30.5% 2019 -8.1% 2018 1.7% 2017 18.5% 2016 3% 2015 -0.2% Fund Manager information for JM Equity Hybrid Fund
Name Since Tenure Satish Ramanathan 1 Oct 24 1.08 Yr. Asit Bhandarkar 31 Dec 21 3.84 Yr. Ruchi Fozdar 4 Oct 24 1.08 Yr. Deepak Gupta 11 Apr 25 0.56 Yr. Data below for JM Equity Hybrid Fund as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 1.87% Equity 77.79% Debt 20.34% Equity Sector Allocation
Sector Value Financial Services 23.52% Technology 13.93% Industrials 12.68% Consumer Cyclical 11.76% Basic Materials 6.28% Communication Services 3.66% Health Care 3.62% Consumer Defensive 2.35% Debt Sector Allocation
Sector Value Corporate 11.9% Government 9.4% Cash Equivalent 0.91% Credit Quality
Rating Value AA 6.37% AAA 93.63% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Jun 24 | HDFCBANK4% ₹35 Cr 350,000 Ujjivan Small Finance Bank Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Jan 25 | 5429044% ₹31 Cr 5,950,865 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 24 | BHARTIARTL4% ₹30 Cr 145,246
↓ -15,000 Bajaj Finance Ltd (Financial Services)
Equity, Since 31 Jan 25 | 5000344% ₹29 Cr 275,040 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 31 May 25 | MCX3% ₹28 Cr 30,676 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 May 21 | LT3% ₹27 Cr 68,000 Waaree Energies Ltd (Technology)
Equity, Since 31 May 25 | 5442773% ₹26 Cr 77,000 One97 Communications Ltd (Technology)
Equity, Since 30 Jun 25 | 5433963% ₹22 Cr 170,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 21 | ICICIBANK3% ₹21 Cr 155,114 6.48% Govt Stock 2035
Sovereign Bonds | -3% ₹21 Cr 2,075,000
↑ 2,075,000 3. BOI AXA Mid and Small Cap Equity and Debt Fund
BOI AXA Mid and Small Cap Equity and Debt Fund
Growth Launch Date 20 Jul 16 NAV (28 Nov 25) ₹38.13 ↓ -0.04 (-0.10 %) Net Assets (Cr) ₹1,326 on 31 Oct 25 Category Hybrid - Hybrid Equity AMC BOI AXA Investment Mngrs Private Ltd Rating Risk Moderately High Expense Ratio 2.27 Sharpe Ratio -0.19 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹15,336 30 Nov 22 ₹15,389 30 Nov 23 ₹19,914 30 Nov 24 ₹25,601 30 Nov 25 ₹25,336 Returns for BOI AXA Mid and Small Cap Equity and Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Nov 25 Duration Returns 1 Month -0.4% 3 Month 1.9% 6 Month 1.1% 1 Year -0.6% 3 Year 18% 5 Year 20.4% 10 Year 15 Year Since launch 15.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 25.8% 2023 33.7% 2022 -4.8% 2021 54.5% 2020 31.1% 2019 -4.7% 2018 -14.2% 2017 47.1% 2016 2015 Fund Manager information for BOI AXA Mid and Small Cap Equity and Debt Fund
Name Since Tenure Alok Singh 16 Feb 17 8.71 Yr. Data below for BOI AXA Mid and Small Cap Equity and Debt Fund as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 9.83% Equity 75.73% Debt 14.44% Equity Sector Allocation
Sector Value Financial Services 17.09% Basic Materials 16.9% Industrials 14.66% Health Care 8.34% Consumer Cyclical 7.47% Technology 5.63% Consumer Defensive 4.07% Utility 0.89% Energy 0.68% Debt Sector Allocation
Sector Value Government 10.38% Corporate 8.09% Cash Equivalent 5.79% Credit Quality
Rating Value AA 1.4% AAA 98.6% Top Securities Holdings / Portfolio
Name Holding Value Quantity Indian Bank (Financial Services)
Equity, Since 31 Aug 23 | 5328143% ₹43 Cr 505,000
↑ 86,000 Jindal Stainless Ltd (Basic Materials)
Equity, Since 30 Sep 21 | JSL3% ₹43 Cr 566,000 UNO Minda Ltd (Consumer Cyclical)
Equity, Since 31 Jul 19 | UNOMINDA3% ₹39 Cr 314,000
↑ 26,000 Housing & Urban Development Corp Ltd (Financial Services)
Equity, Since 31 May 24 | HUDCO3% ₹37 Cr 1,580,000 Hindustan Copper Ltd (Basic Materials)
Equity, Since 31 Oct 24 | 5135993% ₹36 Cr 1,050,000 PB Fintech Ltd (Financial Services)
Equity, Since 29 Feb 24 | 5433902% ₹32 Cr 180,000 Eris Lifesciences Ltd Registered Shs (Healthcare)
Equity, Since 31 Jul 23 | ERIS2% ₹31 Cr 195,000 Bharat Dynamics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jul 24 | 5411432% ₹30 Cr 196,000 TD Power Systems Ltd (Industrials)
Equity, Since 31 Jul 24 | TDPOWERSYS2% ₹29 Cr 380,000 Lloyds Metals & Energy Ltd (Basic Materials)
Equity, Since 28 Feb 25 | 5124552% ₹29 Cr 222,000 4. UTI Hybrid Equity Fund
UTI Hybrid Equity Fund
Growth Launch Date 2 Jan 95 NAV (28 Nov 25) ₹418.129 ↓ -0.01 (0.00 %) Net Assets (Cr) ₹6,596 on 31 Oct 25 Category Hybrid - Hybrid Equity AMC UTI Asset Management Company Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 1.88 Sharpe Ratio -0.2 Information Ratio 1.28 Alpha Ratio -2.84 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 Nov 20 ₹10,000 30 Nov 21 ₹13,618 30 Nov 22 ₹14,881 30 Nov 23 ₹17,336 30 Nov 24 ₹21,981 30 Nov 25 ₹23,220 Returns for UTI Hybrid Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Nov 25 Duration Returns 1 Month 1.5% 3 Month 5.7% 6 Month 4.4% 1 Year 6.3% 3 Year 16.2% 5 Year 18.4% 10 Year 15 Year Since launch 15% Historical performance (Yearly) on absolute basis
Year Returns 2024 19.7% 2023 25.5% 2022 5.6% 2021 30.5% 2020 13.2% 2019 2.5% 2018 -5.6% 2017 25.7% 2016 8.8% 2015 2.4% Fund Manager information for UTI Hybrid Equity Fund
Name Since Tenure V Srivatsa 24 Sep 09 16.11 Yr. Sunil Patil 5 Feb 18 7.74 Yr. Jaydeep Bhowal 3 Nov 25 0 Yr. Data below for UTI Hybrid Equity Fund as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 1.15% Equity 72.93% Debt 25.92% Equity Sector Allocation
Sector Value Financial Services 21.89% Technology 7.76% Consumer Cyclical 7.47% Industrials 6.73% Energy 6.07% Basic Materials 5.12% Consumer Defensive 5.07% Health Care 4.26% Communication Services 4.14% Real Estate 2.83% Utility 1.58% Debt Sector Allocation
Sector Value Government 17.61% Corporate 8.07% Cash Equivalent 1.38% Credit Quality
Rating Value AA 0.47% AAA 99.53% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 29 Feb 20 | HDFCBANK6% ₹398 Cr 4,027,946
↓ -100,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 10 | ICICIBANK5% ₹304 Cr 2,258,644
↓ -60,000 Infosys Ltd (Technology)
Equity, Since 31 Mar 06 | INFY4% ₹252 Cr 1,699,346
↑ 140,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Dec 19 | RELIANCE3% ₹211 Cr 1,418,588
↑ 55,000 ITC Ltd (Consumer Defensive)
Equity, Since 31 Aug 06 | ITC3% ₹206 Cr 4,904,969
↑ 265,000 6.92% Govt Stock 2039
Sovereign Bonds | -3% ₹170 Cr 1,700,000,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Mar 12 | LT2% ₹151 Cr 374,309
↑ 64,616 Vedanta Ltd (Basic Materials)
Equity, Since 30 Apr 24 | 5002952% ₹139 Cr 2,820,574 Wipro Ltd (Technology)
Equity, Since 30 Jun 24 | 5076852% ₹131 Cr 5,440,657
↑ 430,927 7.32% Govt Stock 2030
Sovereign Bonds | -2% ₹126 Cr 1,200,000,000 5. Sundaram Equity Hybrid Fund
Sundaram Equity Hybrid Fund
Growth Launch Date 23 Jun 00 NAV (31 Dec 21) ₹135.137 ↑ 0.78 (0.58 %) Net Assets (Cr) ₹1,954 on 30 Nov 21 Category Hybrid - Hybrid Equity AMC Sundaram Asset Management Company Ltd Rating ☆☆ Risk Moderately High Expense Ratio 2.18 Sharpe Ratio 2.64 Information Ratio -0.12 Alpha Ratio 5.81 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 Nov 20 ₹10,000 30 Nov 21 ₹13,181 Returns for Sundaram Equity Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Nov 25 Duration Returns 1 Month 1.8% 3 Month 0.5% 6 Month 10.5% 1 Year 27.1% 3 Year 16% 5 Year 14.2% 10 Year 15 Year Since launch 12.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Fund Manager information for Sundaram Equity Hybrid Fund
Name Since Tenure Data below for Sundaram Equity Hybrid Fund as on 30 Nov 21
Asset Allocation
Asset Class Value Equity Sector Allocation
Sector Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 6. DSP Equity and Bond Fund
DSP Equity and Bond Fund
Growth Launch Date 27 May 99 NAV (28 Nov 25) ₹364.768 ↓ -0.36 (-0.10 %) Net Assets (Cr) ₹11,910 on 31 Oct 25 Category Hybrid - Hybrid Equity AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.76 Sharpe Ratio -0.12 Information Ratio 0.79 Alpha Ratio -1.93 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 Nov 20 ₹10,000 30 Nov 21 ₹12,872 30 Nov 22 ₹12,961 30 Nov 23 ₹15,085 30 Nov 24 ₹18,929 30 Nov 25 ₹20,022 Returns for DSP Equity and Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Nov 25 Duration Returns 1 Month 0.2% 3 Month 3.9% 6 Month 2.1% 1 Year 6.5% 3 Year 15.8% 5 Year 14.9% 10 Year 15 Year Since launch 14.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 17.7% 2023 25.3% 2022 -2.7% 2021 24.2% 2020 17% 2019 14.2% 2018 -5.1% 2017 27.6% 2016 8.3% 2015 4.8% Fund Manager information for DSP Equity and Bond Fund
Name Since Tenure Abhishek Singh 1 Mar 24 1.67 Yr. Shantanu Godambe 1 Aug 24 1.25 Yr. Data below for DSP Equity and Bond Fund as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 5.78% Equity 68.72% Debt 25.49% Other 0.01% Equity Sector Allocation
Sector Value Financial Services 29.74% Health Care 8.74% Consumer Cyclical 8.47% Technology 5.82% Consumer Defensive 5.32% Utility 4.2% Basic Materials 2.78% Energy 1.28% Communication Services 1.26% Industrials 0.82% Debt Sector Allocation
Sector Value Government 19.44% Corporate 6.05% Cash Equivalent 5.78% Credit Quality
Rating Value AA 7.66% AAA 92.34% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 14 | HDFCBANK7% ₹843 Cr 8,541,164 6.9% Govt Stock 2065
Sovereign Bonds | -5% ₹610 Cr 64,000,000
↑ 20,500,000 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Nov 15 | ICICIBANK4% ₹522 Cr 3,882,861 Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | 5322154% ₹473 Cr 3,838,487 Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | M&M4% ₹459 Cr 1,317,286 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jul 24 | KOTAKBANK4% ₹452 Cr 2,148,818 SBI Life Insurance Co Ltd (Financial Services)
Equity, Since 30 Apr 24 | SBILIFE4% ₹423 Cr 2,162,374
↓ -149,761 ITC Ltd (Consumer Defensive)
Equity, Since 31 Mar 24 | ITC3% ₹362 Cr 8,602,900 Infosys Ltd (Technology)
Equity, Since 30 Jun 20 | INFY3% ₹343 Cr 2,316,228 Samvardhana Motherson International Ltd (Consumer Cyclical)
Equity, Since 31 Mar 21 | MOTHERSON3% ₹335 Cr 31,801,866 7. Bandhan Hybrid Equity Fund
Bandhan Hybrid Equity Fund
Growth Launch Date 30 Dec 16 NAV (28 Nov 25) ₹27.083 ↑ 0.02 (0.09 %) Net Assets (Cr) ₹1,365 on 31 Oct 25 Category Hybrid - Hybrid Equity AMC IDFC Asset Management Company Limited Rating Risk Moderately High Expense Ratio 2.35 Sharpe Ratio 0.34 Information Ratio 0.52 Alpha Ratio 3.43 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 Nov 20 ₹10,000 30 Nov 21 ₹13,228 30 Nov 22 ₹13,987 30 Nov 23 ₹15,587 30 Nov 24 ₹19,654 30 Nov 25 ₹21,426 Returns for Bandhan Hybrid Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Nov 25 Duration Returns 1 Month 0.1% 3 Month 5.4% 6 Month 8.1% 1 Year 9.9% 3 Year 15.5% 5 Year 16.5% 10 Year 15 Year Since launch 11.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 21% 2023 20.4% 2022 -1.1% 2021 30.8% 2020 13.9% 2019 4.7% 2018 -3.8% 2017 16.2% 2016 2015 Fund Manager information for Bandhan Hybrid Equity Fund
Name Since Tenure Harshal Joshi 28 Jul 21 4.27 Yr. Brijesh Shah 10 Jun 24 1.39 Yr. Prateek Poddar 7 Jun 24 1.4 Yr. Ritika Behera 7 Oct 23 2.07 Yr. Gaurav Satra 7 Jun 24 1.4 Yr. Data below for Bandhan Hybrid Equity Fund as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 3.8% Equity 77.78% Debt 18.41% Equity Sector Allocation
Sector Value Financial Services 20.12% Consumer Cyclical 11.74% Technology 8.42% Industrials 7.63% Health Care 6.51% Basic Materials 5.09% Energy 4.3% Consumer Defensive 3.71% Utility 3.48% Communication Services 2.81% Real Estate 2.48% Debt Sector Allocation
Sector Value Corporate 11.67% Government 6.75% Cash Equivalent 3.8% Credit Quality
Rating Value AA 6.74% AAA 93.26% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Jun 24 | HDFCBANK5% ₹70 Cr 710,660
↑ 20,275 Bajaj Housing Finance Limited
Debentures | -4% ₹60 Cr 6,000,000
↑ 1,500,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 20 | RELIANCE4% ₹59 Cr 395,066
↑ 27,659 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jul 24 | ICICIBANK4% ₹52 Cr 384,826
↑ 27,410 Tata Capital Limited
Debentures | -4% ₹51 Cr 5,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -4% ₹50 Cr 5,000,000
↓ -200,000 Eternal Ltd (Consumer Cyclical)
Equity, Since 31 May 24 | 5433203% ₹35 Cr 1,112,055
↑ 37,298 State Bank of India (Financial Services)
Equity, Since 28 Feb 21 | SBIN3% ₹34 Cr 367,867
↑ 66,602 One97 Communications Ltd (Technology)
Equity, Since 31 Oct 24 | 5433962% ₹34 Cr 257,706
↑ 10,691 NTPC Ltd (Utilities)
Equity, Since 28 Feb 23 | 5325552% ₹32 Cr 939,884
↑ 15,788 8. Nippon India Equity Hybrid Fund
Nippon India Equity Hybrid Fund
Growth Launch Date 8 Jun 05 NAV (28 Nov 25) ₹108.27 ↓ 0.00 (0.00 %) Net Assets (Cr) ₹4,081 on 31 Oct 25 Category Hybrid - Hybrid Equity AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.98 Sharpe Ratio -0.04 Information Ratio 1.03 Alpha Ratio -1.29 Min Investment 500 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 Nov 20 ₹10,000 30 Nov 21 ₹13,410 30 Nov 22 ₹14,850 30 Nov 23 ₹17,070 30 Nov 24 ₹21,000 30 Nov 25 ₹22,345 Returns for Nippon India Equity Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Nov 25 Duration Returns 1 Month 0.4% 3 Month 4.9% 6 Month 5.2% 1 Year 7.1% 3 Year 14.9% 5 Year 17.4% 10 Year 15 Year Since launch 12.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 16.1% 2023 24.1% 2022 6.6% 2021 27.8% 2020 -5.3% 2019 3% 2018 -4.9% 2017 29.5% 2016 4.2% 2015 8.7% Fund Manager information for Nippon India Equity Hybrid Fund
Name Since Tenure Meenakshi Dawar 10 Sep 21 4.15 Yr. Kinjal Desai 25 May 18 7.44 Yr. Sushil Budhia 1 Feb 20 5.75 Yr. Lokesh Maru 5 Sep 25 0.16 Yr. Divya Sharma 5 Sep 25 0.16 Yr. Data below for Nippon India Equity Hybrid Fund as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 3.71% Equity 76.44% Debt 19.83% Equity Sector Allocation
Sector Value Financial Services 23.41% Industrials 9.23% Consumer Cyclical 9.08% Technology 7.06% Health Care 4.72% Communication Services 4.2% Utility 4.08% Consumer Defensive 3.87% Energy 3.79% Real Estate 3.46% Basic Materials 3.25% Debt Sector Allocation
Sector Value Corporate 13.02% Government 6.83% Cash Equivalent 3.71% Credit Quality
Rating Value A 2.89% AA 43.94% AAA 53.16% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 10 | HDFCBANK6% ₹233 Cr 2,364,712 Larsen & Toubro Ltd (Industrials)
Equity, Since 28 Feb 13 | LT4% ₹143 Cr 354,838 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Dec 19 | BHARTIARTL3% ₹130 Cr 635,000 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Apr 12 | ICICIBANK3% ₹127 Cr 946,000
↓ -220,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 14 | RELIANCE3% ₹120 Cr 806,000 Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | 5322153% ₹115 Cr 933,200 Infosys Ltd (Technology)
Equity, Since 28 Feb 11 | INFY3% ₹108 Cr 730,000 State Bank of India (Financial Services)
Equity, Since 31 Jul 16 | SBIN2% ₹95 Cr 1,010,000 NTPC Ltd (Utilities)
Equity, Since 31 Aug 20 | 5325552% ₹94 Cr 2,800,620 Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 31 Aug 20 | M&M2% ₹82 Cr 235,000
ٹیکس کے مضمرات
اوسطاً 65% یا اس سے زیادہ کی ایکویٹی ایکسپوژر والے تمام میوچل فنڈز کو ٹیکس کے مقصد کے لیے ایکویٹی اثاثہ کلاس سمجھا جاتا ہے۔ تو مختصر مدتکیپٹل گینز یعنی ایکویٹی اورینٹڈ بیلنس کے ایک سال کے ساتھ بک کیے گئے منافعوں پر 15% ٹیکس لگایا جاتا ہے۔ اگر یہ فنڈز 12 مہینوں سے زیادہ مدت کے لیے رکھے جاتے ہیں، تو ان کے طویل مدتی کیپٹل گین پر 10% ٹیکس لگایا جاتا ہے اگر منافع روپے سے زیادہ بک کیا جاتا ہے۔ 1 لاکھ (2018 کے تازہ ترین بجٹ کے مطابق)۔
قرض پر مبنی ہائبرڈ فنڈز کے لیے ٹیکس 20% ہے جس میں انڈیکسیشن فائدہ ہوتا ہے جیسا کہ کسی دوسرے قرض کے آلے کی صورت میں ہولڈنگ 3 سال یا اس سے اوپر ہے۔ قلیل مدتی ٹیکس کی معمولی شرح پر ٹیکس لگایا جاتا ہے (ٹیکس سلیب کے مطابق)۔
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Research Highlights for ICICI Prudential Equity and Debt Fund