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Why Equities are Good for Long-term?
Whenever we hear about equity investment, the first thing we hear is, equities are good for a long-term investment. However, various people do carry negative views with respect to equity investment. So, let us understand why and how equity is a good investment for long-term, the myths behind equity investment, and parameters to be checked while Investing in equity and the concept of Equity Funds.
Understanding SENSEX Past Performance
Now, let us focus on the performance of Sensex since its inception with the help of the graph given below.
(as on 3rd January, 2018, Source- BSE Limited)
The given graph of Sensex shows that there is an overall increase in since its inception in 1979. The date on which the data taken is as of January 03, 2018. Till date since 1979, the Compounded Annual Growth Rate (CAGR) is approximately 16.39%. However, it does not mean that Sensex has seen only upward movements. However, the biggest growth that Sensex has witnessed is between the period 1979-1994 when the markets grew from 100 to 3,927 points. People who had invested during this period would have earned considerable profits. In addition, these investors also did not face much negative returns as others did. Resultantly, these people would have definitely earned. The second best phase in which investors had earned returns were during 2003-2007, but the increase during this period was not as effective as the first phase.
So, do you think that the Market has always witnessed a good pace? It has also witnessed downturns. Some of the worst spells where the Sensex was showing a downturn were during September 1994 - 1999, 2000 - 2003, and 2008 - 2010. Any individual who would have invested during this period would have definitely been negative. However, again, if these investors would have held their investments long, they would have definitely earned profits. As we can see in the map, the downturn period is not much visible.
So, after understanding the myths about equity, let's now see how to select the stocks.
Common Myths Behind Equity Investment
As mentioned earlier, equity investment has a number of myths associated with it. So, let us look at some of the prevalent myths behind equity investment.
1. If a Stock Has Done Well in the Past, it will Do Well in the Future Too
The first myth which people believe while investing in shares is; if a company has done well in the past, it will also do well in the future. Though this thought can give some comfort level yet; it is not completely true. It’s because; a company’s success always depends on the environment in which it performs and whether it is able to adapt itself to the changing business conditions. If it is not able to do so then; the company will not be in a position, to perform in the future.
Therefore, people should conduct a self-analysis before investing in the shares of any company. They should check the company's past performance, its future potentials, the Industry conditions in which it performs, and other related parameters.
2. I am not Able to Earn Returns Faster Through Equities as it is Sheer Luck
The second presumption people feel is they cannot earn by equity investment as it is based on sheer luck. However, as mentioned in the earlier paragraph, people need to understand that the variation of average returns reduces with the increase in the holding tenure. This is because, in the long-term, the fluctuation of the short-term Volatility reduces and the chances of making losses are also lower. Resultantly, the variations in the Earnings start to decrease with the increase in the tenure. This concept is explained with the help of the table given below.
| Investing Tenure | Average Returns (%) | Deviation of Returns From Average (%) |
|---|---|---|
| 1 Year | 18 | ± 34 |
| 3 Year | 13 | ± 16% |
| 5 Year | 13 | ± 13% |
| 7 Year | 13 | ± 10% |
| 10 Year | 13 | ± 9% |
| 12 Year | 13 | ± 8% |
| 14 Year | 12 | ± 7% |
3. Only a Few are Earning in Share Markets as Equity Markets Are Volatile
It is one of the prevalent myths among individuals. A lot of people feel that they cannot earn by investing in shares. Individuals in a lot of instances feel; though the share markets are showing uptrend; yet I am not able to make my fortune. However, this isn’t true.
*One has to understand equity investing is a zero-sum game. Therefore, one person’s profit is another person’s loss. However, the outcome of whether you made a profit or ended up in a loss is decided upon the time you enter and exit the market. *
It would be again reiterated that, the key to success in equity investments is its long-term holding. One of the world’s renowned investor Warren Buffet built his empire not just because of investing. Instead, he has earned the wealth because of holding the investments for a long-term. In case of long-term investing, even a small sum of money invested gives a larger return. People who remain invested for a very long time can amass a fortune even with a small investment. The following graph shows how the probability of losses decreases with an increase in the investment tenure.
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How to Invest in Equities
It is the most important step. People while investing in equities need to stick to certain basic rules. Some of these rules are listed below as follows.
Invest in Stocks After its Complete Analysis & Don’t Follow Herd Behavior
The primary rule of investing is; invest in financial instruments that you understand and not the ones which you don’t. Hence, people should do a complete analysis of the shares in which they want to invest. They should go through its annual reports, check its future prospects and so on. Additionally, one should not be biased in their stock selection process.Also, many people do follow a herd behavior when it comes to investing, which should not be the case. It is not a good idea. People forming part of the herd, enter when the market is at its peak and sell when it forms a bottom. Therefore, be careful that you don’t buy the shares when all are entering a buy Call and do not sell when everyone goes on a selling spree.
Diversification is the Key to Success
The important role in the case of investing is diversification, which is the key to success as it helps to reduce the level of risk. As rightly quoted that “Don’t hatch all your eggs in one basket;” similarly your investment should be distributed across numerous stocks in a predefined ratio. Diversification, in this context, means that people investing the corpus in different shares of various companies with respect to capitalization, sectors, and other parameters. This is because there are situations where mid-cap shares tend to outperform large-cap shares. So, one needs to have a constant watch on how a share is performing.
Rebalance Your Portfolio Timely
It’s rightly said that, to err is human. Similarly, while investing in stock markets, many people do commit mistakes. The mistake in this context is investing in shares where you have bad deals. However, the most important part is to rectify the wrong investment by rebalancing your Portfolio. It is important to monitor your equity investment in a timely manner. This will help to identify which stocks to sell and which ones to retain. Rebalancing the portfolio always helps to get rid of the bad stocks and thereby people can earn more Income.
Thus, from the above pointers, it can be said that whenever you choose to invest in equities, you need to spend a lot of time in share markets rather than the market timing. Also, people should always understand the company before investing in its shares so that their investment money is safe and paves way for wealth creation.
Top 10 Equity Mutual Funds for Long Term Investments
*List of top funds managing assets for 5 years of above & have returneded best Annualized Returns (CAGR).
(Erstwhile Sundaram Select Midcap Fund) To achieve capital appreciation by investing
in diversified stocks that are generally termed
as mid-caps. Below is the key information for Sundaram Mid Cap 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. Research Highlights for Motilal Oswal Midcap 30 Fund Below is the key information for Motilal Oswal Midcap 30 Fund Returns up to 1 year are on To generate long term capital appreciation from a portfolio that is predominantly in equity and equity related instruments Research Highlights for HDFC Long Term Advantage Fund Below is the key information for HDFC Long Term Advantage Fund Returns up to 1 year are on An Open-ended growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of 90% equity and 10% debt and money market securities. Research Highlights for Aditya Birla Sun Life Equity Fund Below is the key information for Aditya Birla Sun Life Equity Fund Returns up to 1 year are on An Open ended Growth Scheme with the objective to achieve long term growth of capital at controlled level of risk by investing primarily in ‘Mid-Cap’ Stocks. The level of risk is somewhat higher than a fund focused on large and liquid stocks. Concomitantly, the aim is to generate higher returns than a fund focused on large and liquid stocks. Research Highlights for Aditya Birla Sun Life Midcap Fund Below is the key information for Aditya Birla Sun Life Midcap Fund Returns up to 1 year are on The primary objective for Franklin IndiaTaxshield is to provide medium to long term growth of capital along with income tax rebate Research Highlights for Franklin India Taxshield Below is the key information for Franklin India Taxshield Returns up to 1 year are on 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. Research Highlights for Nippon India Small Cap Fund Below is the key information for Nippon India Small Cap Fund Returns up to 1 year are on The primary investment objective of the scheme is to seek to generate consistent returns by investing in equity and equity related or fixed income securities of Pharma and other associated companies. Research Highlights for Nippon India Pharma Fund Below is the key information for Nippon India Pharma Fund Returns up to 1 year are on The primary investment objective of the Scheme is to seek to generate continuous returns by actively investing in equity and equity related securities of
companies in the Banking Sector and companies engaged in allied activities related to Banking Sector. The AMC will have the discretion to completely or
partially invest in any of the type of securities stated above with a view to maximize the returns or on defensive considerations. However, there can be no
assurance that the investment objective of the Scheme will be realized, as actual market movements may be at variance with anticipated trends. Research Highlights for Nippon India Banking Fund Below is the key information for Nippon India Banking Fund Returns up to 1 year are on To generate returns through a combination of dividend income and capital appreciation by investing primarily in a well-diversified portfolio of value stocks. Value stocks are those, which have attractive valuations in relation to earnings or book value or current and/or future dividends. Research Highlights for ICICI Prudential Value Discovery Fund Below is the key information for ICICI Prudential Value Discovery Fund Returns up to 1 year are on 1. Sundaram Mid Cap Fund
Sundaram Mid Cap Fund
Growth Launch Date 30 Jul 02 NAV (29 Aug 25) ₹1,359.76 ↓ -3.59 (-0.26 %) Net Assets (Cr) ₹12,596 on 31 Jul 25 Category Equity - Mid Cap AMC Sundaram Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.8 Sharpe Ratio -0.17 Information Ratio 0 Alpha Ratio 3.17 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹16,761 31 Jul 22 ₹17,856 31 Jul 23 ₹21,894 31 Jul 24 ₹34,198 31 Jul 25 ₹34,685 Returns for Sundaram Mid Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Aug 25 Duration Returns 1 Month -0.9% 3 Month 0.9% 6 Month 19.3% 1 Year -0.9% 3 Year 22.8% 5 Year 25.2% 10 Year 15 Year Since launch 23.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 32% 2023 40.4% 2022 4.8% 2021 37.5% 2020 11.8% 2019 -0.3% 2018 -15.4% 2017 40.8% 2016 11.3% 2015 11.2% Fund Manager information for Sundaram Mid Cap Fund
Name Since Tenure S. Bharath 24 Feb 21 4.43 Yr. Ratish Varier 24 Feb 21 4.43 Yr. Data below for Sundaram Mid Cap Fund as on 31 Jul 25
Equity Sector Allocation
Sector Value Financial Services 20.7% Consumer Cyclical 18.14% Industrials 14.84% Health Care 10.71% Basic Materials 10.69% Technology 6.16% Consumer Defensive 4.15% Real Estate 3.78% Communication Services 2.55% Energy 2.1% Utility 1.89% Asset Allocation
Asset Class Value Cash 4.27% Equity 95.72% Other 0% Top Securities Holdings / Portfolio
Name Holding Value Quantity Cummins India Ltd (Industrials)
Equity, Since 31 Dec 17 | 5004803% ₹439 Cr 1,290,127 Coromandel International Ltd (Basic Materials)
Equity, Since 30 Nov 10 | 5063953% ₹429 Cr 1,712,601
↓ -19,252 The Federal Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | FEDERALBNK3% ₹417 Cr 19,545,126
↑ 297,764 Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 31 Mar 21 | KALYANKJIL3% ₹334 Cr 6,016,821 Mahindra & Mahindra Financial Services Ltd (Financial Services)
Equity, Since 31 Jan 24 | M&MFIN2% ₹312 Cr 11,560,712
↑ 2,201,053 Fortis Healthcare Ltd (Healthcare)
Equity, Since 31 Dec 21 | 5328432% ₹308 Cr 3,879,249 Persistent Systems Ltd (Technology)
Equity, Since 30 Apr 22 | PERSISTENT2% ₹293 Cr 484,892 Lupin Ltd (Healthcare)
Equity, Since 31 Jan 23 | 5002572% ₹293 Cr 1,510,951
↑ 108,999 GE Vernova T&D India Ltd (Industrials)
Equity, Since 30 Sep 24 | 5222752% ₹279 Cr 1,179,542 Hindustan Petroleum Corp Ltd (Energy)
Equity, Since 31 Oct 21 | HINDPETRO2% ₹269 Cr 6,144,382 2. Motilal Oswal Midcap 30 Fund
Motilal Oswal Midcap 30 Fund
Growth Launch Date 24 Feb 14 NAV (29 Aug 25) ₹101.99 ↓ -0.51 (-0.50 %) Net Assets (Cr) ₹33,609 on 31 Jul 25 Category Equity - Mid Cap AMC Motilal Oswal Asset Management Co. Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 1.56 Sharpe Ratio -0.11 Information Ratio 0.44 Alpha Ratio 3.7 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹16,540 31 Jul 22 ₹20,655 31 Jul 23 ₹26,047 31 Jul 24 ₹44,147 31 Jul 25 ₹44,850 Returns for Motilal Oswal Midcap 30 Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Aug 25 Duration Returns 1 Month 0.4% 3 Month 1.9% 6 Month 15% 1 Year 0.1% 3 Year 28.1% 5 Year 32.2% 10 Year 15 Year Since launch 22.4% 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 0.83 Yr. Niket Shah 1 Jul 20 5.09 Yr. Rakesh Shetty 22 Nov 22 2.69 Yr. Sunil Sawant 1 Jul 24 1.08 Yr. Data below for Motilal Oswal Midcap 30 Fund as on 31 Jul 25
Equity Sector Allocation
Sector Value Technology 33.7% Industrials 18.11% Consumer Cyclical 17.65% Health Care 4.49% Communication Services 3.99% Real Estate 2.83% Financial Services 2.61% Asset Allocation
Asset Class Value Cash 17.17% Equity 82.83% Top Securities Holdings / Portfolio
Name Holding Value Quantity Coforge Ltd (Technology)
Equity, Since 31 Mar 23 | COFORGE10% ₹3,464 Cr 18,000,000 Persistent Systems Ltd (Technology)
Equity, Since 31 Jan 23 | PERSISTENT10% ₹3,172 Cr 5,250,000 Trent Ltd (Consumer Cyclical)
Equity, Since 30 Nov 24 | 5002519% ₹3,104 Cr 4,992,139
↑ 2,848,945 Dixon Technologies (India) Ltd (Technology)
Equity, Since 31 Mar 23 | DIXON9% ₹2,997 Cr 1,999,999
↑ 1,164,799 Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 29 Feb 24 | KALYANKJIL8% ₹2,501 Cr 45,000,000
↑ 1,509,750 Polycab India Ltd (Industrials)
Equity, Since 30 Sep 23 | POLYCAB5% ₹1,671 Cr 2,550,000
↑ 50,000 KEI Industries Ltd (Industrials)
Equity, Since 30 Nov 24 | KEI4% ₹1,327 Cr 3,500,000
↑ 750,000 Bharti Hexacom Ltd (Communication Services)
Equity, Since 31 Oct 24 | BHARTIHEXA4% ₹1,318 Cr 6,750,000 Max Healthcare Institute Ltd Ordinary Shares (Healthcare)
Equity, Since 31 Mar 24 | MAXHEALTH4% ₹1,272 Cr 9,969,361 Kaynes Technology India Ltd (Industrials)
Equity, Since 30 Jun 25 | KAYNES3% ₹975 Cr 1,599,306
↑ 1,599,306 3. HDFC Long Term Advantage Fund
HDFC Long Term Advantage Fund
Growth Launch Date 2 Jan 01 NAV (14 Jan 22) ₹595.168 ↑ 0.28 (0.05 %) Net Assets (Cr) ₹1,318 on 30 Nov 21 Category Equity - ELSS AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 2.25 Sharpe Ratio 2.27 Information Ratio -0.15 Alpha Ratio 1.75 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹15,844
Purchase not allowed Returns for HDFC Long Term Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Aug 25 Duration Returns 1 Month 4.4% 3 Month 1.2% 6 Month 15.4% 1 Year 35.5% 3 Year 20.6% 5 Year 17.4% 10 Year 15 Year Since launch 21.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Fund Manager information for HDFC Long Term Advantage Fund
Name Since Tenure Data below for HDFC Long Term Advantage Fund as on 30 Nov 21
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 4. Aditya Birla Sun Life Equity Fund
Aditya Birla Sun Life Equity Fund
Growth Launch Date 27 Aug 98 NAV (29 Aug 25) ₹1,753.11 ↓ -4.52 (-0.26 %) Net Assets (Cr) ₹23,127 on 31 Jul 25 Category Equity - Multi Cap AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.68 Sharpe Ratio -0.25 Information Ratio 0.27 Alpha Ratio 2.91 Min Investment 1,000 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 31 Jul 20 ₹10,000 31 Jul 21 ₹15,782 31 Jul 22 ₹15,868 31 Jul 23 ₹18,634 31 Jul 24 ₹25,481 31 Jul 25 ₹25,919 Returns for Aditya Birla Sun Life Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Aug 25 Duration Returns 1 Month -1% 3 Month -0.6% 6 Month 14.3% 1 Year -0.8% 3 Year 16.9% 5 Year 18.9% 10 Year 15 Year Since launch 21.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 18.5% 2023 26% 2022 -1.1% 2021 30.3% 2020 16.1% 2019 8.5% 2018 -4.1% 2017 33.5% 2016 15.2% 2015 2.9% Fund Manager information for Aditya Birla Sun Life Equity Fund
Name Since Tenure Harish Krishnan 3 Nov 23 1.74 Yr. Dhaval Joshi 21 Nov 22 2.69 Yr. Data below for Aditya Birla Sun Life Equity Fund as on 31 Jul 25
Equity Sector Allocation
Sector Value Financial Services 32.46% Consumer Cyclical 12.17% Industrials 11.14% Basic Materials 10.13% Technology 8.41% Consumer Defensive 7.27% Health Care 6.93% Energy 5.84% Communication Services 3.12% Real Estate 0.6% Asset Allocation
Asset Class Value Cash 1.89% Equity 98.11% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 30 Nov 16 | 5321748% ₹1,854 Cr 12,822,910 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 08 | HDFCBANK5% ₹1,082 Cr 5,404,179 Reliance Industries Ltd (Energy)
Equity, Since 31 May 19 | RELIANCE4% ₹1,028 Cr 6,851,937 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 28 Feb 19 | KOTAKBANK4% ₹978 Cr 4,518,799 Infosys Ltd (Technology)
Equity, Since 30 Apr 05 | INFY4% ₹917 Cr 5,721,716 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Nov 17 | BHARTIARTL3% ₹603 Cr 3,000,000 HCL Technologies Ltd (Technology)
Equity, Since 30 Nov 11 | HCLTECH3% ₹600 Cr 3,470,608 Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Dec 18 | SUNPHARMA2% ₹546 Cr 3,258,094 Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 19 | 5322152% ₹530 Cr 4,422,166 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Dec 23 | LT2% ₹488 Cr 1,330,440 5. Aditya Birla Sun Life Midcap Fund
Aditya Birla Sun Life Midcap Fund
Growth Launch Date 3 Oct 02 NAV (29 Aug 25) ₹764.88 ↓ -3.52 (-0.46 %) Net Assets (Cr) ₹6,106 on 31 Jul 25 Category Equity - Mid Cap AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 1.89 Sharpe Ratio -0.33 Information Ratio -1 Alpha Ratio -0.08 Min Investment 1,000 Min SIP Investment 1,000 Exit Load 0-365 Days (1%),365 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹17,657 31 Jul 22 ₹18,679 31 Jul 23 ₹22,025 31 Jul 24 ₹32,617 31 Jul 25 ₹32,198 Returns for Aditya Birla Sun Life Midcap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Aug 25 Duration Returns 1 Month -2.7% 3 Month -0.1% 6 Month 16.6% 1 Year -3.6% 3 Year 18% 5 Year 22.9% 10 Year 15 Year Since launch 20.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 22% 2023 39.9% 2022 -5.3% 2021 50.4% 2020 15.5% 2019 -3.7% 2018 -16% 2017 44.8% 2016 5.7% 2015 10.4% Fund Manager information for Aditya Birla Sun Life Midcap Fund
Name Since Tenure Vishal Gajwani 31 Oct 24 0.75 Yr. Dhaval Joshi 21 Nov 22 2.69 Yr. Data below for Aditya Birla Sun Life Midcap Fund as on 31 Jul 25
Equity Sector Allocation
Sector Value Financial Services 22.92% Basic Materials 15.62% Consumer Cyclical 14.25% Health Care 12.04% Industrials 11.94% Technology 9.1% Real Estate 3.87% Consumer Defensive 2.8% Utility 2.6% Communication Services 1.2% Asset Allocation
Asset Class Value Cash 3.98% Equity 96.02% Top Securities Holdings / Portfolio
Name Holding Value Quantity AU Small Finance Bank Ltd (Financial Services)
Equity, Since 30 Nov 19 | 5406114% ₹229 Cr 2,807,000 Fortis Healthcare Ltd (Healthcare)
Equity, Since 31 May 17 | 5328434% ₹224 Cr 2,821,912 Max Financial Services Ltd (Financial Services)
Equity, Since 28 Feb 17 | 5002713% ₹202 Cr 1,225,565 K.P.R. Mill Ltd (Consumer Cyclical)
Equity, Since 31 Aug 20 | KPRMILL3% ₹171 Cr 1,500,000 Torrent Power Ltd (Utilities)
Equity, Since 31 Oct 19 | 5327793% ₹161 Cr 1,100,000 Prestige Estates Projects Ltd (Real Estate)
Equity, Since 30 Nov 24 | PRESTIGE2% ₹152 Cr 916,888 The Federal Bank Ltd (Financial Services)
Equity, Since 31 Mar 12 | FEDERALBNK2% ₹147 Cr 6,874,853
↑ 745,266 JK Cement Ltd (Basic Materials)
Equity, Since 31 Jan 24 | JKCEMENT2% ₹135 Cr 220,298 Shriram Finance Ltd (Financial Services)
Equity, Since 30 Jun 23 | SHRIRAMFIN2% ₹134 Cr 1,899,298
↓ -234,425 KPIT Technologies Ltd (Technology)
Equity, Since 30 Nov 24 | KPITTECH2% ₹134 Cr 1,062,280
↑ 327,664 6. Franklin India Taxshield
Franklin India Taxshield
Growth Launch Date 10 Apr 99 NAV (29 Aug 25) ₹1,439.83 ↓ -3.27 (-0.23 %) Net Assets (Cr) ₹6,706 on 31 Jul 25 Category Equity - ELSS AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆ Risk Moderately High Expense Ratio 1.81 Sharpe Ratio -0.43 Information Ratio 1.22 Alpha Ratio 0.15 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹16,092 31 Jul 22 ₹17,213 31 Jul 23 ₹20,993 31 Jul 24 ₹30,355 31 Jul 25 ₹30,172 Returns for Franklin India Taxshield
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Aug 25 Duration Returns 1 Month -2.5% 3 Month -1.9% 6 Month 11.4% 1 Year -3.8% 3 Year 18.6% 5 Year 22.1% 10 Year 15 Year Since launch 20.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 22.4% 2023 31.2% 2022 5.4% 2021 36.7% 2020 9.8% 2019 5.1% 2018 -3% 2017 29.1% 2016 4.7% 2015 4% Fund Manager information for Franklin India Taxshield
Name Since Tenure R. Janakiraman 2 May 16 9.25 Yr. Rajasa Kakulavarapu 1 Dec 23 1.67 Yr. Data below for Franklin India Taxshield as on 31 Jul 25
Equity Sector Allocation
Sector Value Financial Services 30.38% Industrials 11.93% Consumer Cyclical 11.21% Technology 9.25% Health Care 6.53% Basic Materials 5.48% Consumer Defensive 5.23% Communication Services 5.05% Utility 4.97% Energy 3.21% Real Estate 1.9% Asset Allocation
Asset Class Value Cash 4.86% Equity 95.14% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | 53217410% ₹657 Cr 4,546,914 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 07 | HDFCBANK9% ₹653 Cr 3,260,417 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Dec 19 | LT5% ₹324 Cr 883,853 Infosys Ltd (Technology)
Equity, Since 29 Feb 12 | INFY4% ₹308 Cr 1,922,741 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 07 | BHARTIARTL4% ₹305 Cr 1,517,753 Axis Bank Ltd (Financial Services)
Equity, Since 30 Jun 14 | 5322154% ₹270 Cr 2,252,948 HCL Technologies Ltd (Technology)
Equity, Since 31 Oct 21 | HCLTECH4% ₹253 Cr 1,462,587 Reliance Industries Ltd (Energy)
Equity, Since 31 May 22 | RELIANCE3% ₹221 Cr 1,472,922 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 30 Nov 17 | KOTAKBANK3% ₹198 Cr 917,310 Eternal Ltd (Consumer Cyclical)
Equity, Since 30 Nov 21 | 5433203% ₹198 Cr 7,500,000 7. Nippon India Small Cap Fund
Nippon India Small Cap Fund
Growth Launch Date 16 Sep 10 NAV (29 Aug 25) ₹164.4 ↓ -0.52 (-0.31 %) Net Assets (Cr) ₹65,922 on 31 Jul 25 Category Equity - Small Cap AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.44 Sharpe Ratio -0.51 Information Ratio 0 Alpha Ratio -3.84 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹21,333 31 Jul 22 ₹23,526 31 Jul 23 ₹31,952 31 Jul 24 ₹49,722 31 Jul 25 ₹46,790 Returns for Nippon India Small Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Aug 25 Duration Returns 1 Month -3.4% 3 Month -0.6% 6 Month 17.9% 1 Year -7.9% 3 Year 23% 5 Year 31% 10 Year 15 Year Since launch 20.6% 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 8.58 Yr. Kinjal Desai 25 May 18 7.19 Yr. Data below for Nippon India Small Cap Fund as on 31 Jul 25
Equity Sector Allocation
Sector Value Industrials 23.43% Financial Services 14.84% Consumer Cyclical 14.65% Basic Materials 12.82% Health Care 8.57% Consumer Defensive 8.11% Technology 7.37% Utility 2.24% Energy 1.77% Communication Services 1.45% Real Estate 0.69% Asset Allocation
Asset Class Value Cash 4.05% Equity 95.95% Top Securities Holdings / Portfolio
Name Holding Value Quantity Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 28 Feb 21 | MCX2% ₹1,656 Cr 1,851,010 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 22 | HDFCBANK2% ₹1,331 Cr 6,650,000 Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Oct 12 | KIRLOSBROS2% ₹1,054 Cr 4,472,130 Karur Vysya Bank Ltd (Financial Services)
Equity, Since 28 Feb 17 | 5900031% ₹850 Cr 31,784,062 ELANTAS Beck India Ltd (Basic Materials)
Equity, Since 28 Feb 13 | 5001231% ₹827 Cr 651,246
↑ 36,498 Apar Industries Ltd (Industrials)
Equity, Since 31 Mar 17 | APARINDS1% ₹784 Cr 899,271 Tube Investments of India Ltd Ordinary Shares (Industrials)
Equity, Since 30 Apr 18 | TIINDIA1% ₹777 Cr 2,499,222 State Bank of India (Financial Services)
Equity, Since 31 Oct 19 | SBIN1% ₹747 Cr 9,100,000 Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 30 Sep 22 | 5001031% ₹732 Cr 27,500,000 Pfizer Ltd (Healthcare)
Equity, Since 28 Feb 22 | PFIZER1% ₹685 Cr 1,206,103 8. Nippon India Pharma Fund
Nippon India Pharma Fund
Growth Launch Date 5 Jun 04 NAV (29 Aug 25) ₹508.048 ↓ -0.33 (-0.06 %) Net Assets (Cr) ₹8,737 on 31 Jul 25 Category Equity - Sectoral AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk High Expense Ratio 1.81 Sharpe Ratio 0.18 Information Ratio -0.51 Alpha Ratio -3.24 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹14,713 31 Jul 22 ₹13,013 31 Jul 23 ₹16,202 31 Jul 24 ₹23,169 31 Jul 25 ₹25,131 Returns for Nippon India Pharma Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Aug 25 Duration Returns 1 Month -5.1% 3 Month 0.4% 6 Month 12.4% 1 Year -0.8% 3 Year 22.9% 5 Year 18% 10 Year 15 Year Since launch 20.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 34% 2023 39.2% 2022 -9.9% 2021 23.9% 2020 66.4% 2019 1.7% 2018 3.6% 2017 7.6% 2016 -10.6% 2015 19.4% Fund Manager information for Nippon India Pharma Fund
Name Since Tenure Sailesh Raj Bhan 1 Apr 05 20.35 Yr. Kinjal Desai 25 May 18 7.19 Yr. Data below for Nippon India Pharma Fund as on 31 Jul 25
Equity Sector Allocation
Sector Value Health Care 99.47% Asset Allocation
Asset Class Value Cash 0.53% Equity 99.47% Top Securities Holdings / Portfolio
Name Holding Value Quantity Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Oct 09 | SUNPHARMA12% ₹1,048 Cr 6,256,349 Divi's Laboratories Ltd (Healthcare)
Equity, Since 31 Mar 12 | DIVISLAB9% ₹729 Cr 1,070,031
↓ -128,777 Lupin Ltd (Healthcare)
Equity, Since 31 Aug 08 | 5002576% ₹520 Cr 2,683,991
↑ 200,000 Cipla Ltd (Healthcare)
Equity, Since 31 May 08 | 5000876% ₹482 Cr 3,200,000 Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 30 Sep 20 | APOLLOHOSP5% ₹470 Cr 648,795 Dr Reddy's Laboratories Ltd (Healthcare)
Equity, Since 30 Jun 11 | DRREDDY5% ₹444 Cr 3,462,170
↓ -200,000 Medplus Health Services Ltd (Healthcare)
Equity, Since 30 Nov 22 | 5434274% ₹328 Cr 3,627,277 GlaxoSmithKline Pharmaceuticals Ltd (Healthcare)
Equity, Since 31 Aug 22 | GLAXO4% ₹311 Cr 919,164
↓ -24,567 Narayana Hrudayalaya Ltd (Healthcare)
Equity, Since 30 Jun 17 | NH4% ₹304 Cr 1,401,811
↓ -5,135 Vijaya Diagnostic Centre Ltd (Healthcare)
Equity, Since 30 Sep 21 | 5433503% ₹284 Cr 2,886,684
↑ 55,120 9. Nippon India Banking Fund
Nippon India Banking Fund
Growth Launch Date 26 May 03 NAV (29 Aug 25) ₹600.141 ↓ -3.23 (-0.54 %) Net Assets (Cr) ₹7,222 on 31 Jul 25 Category Equity - Sectoral AMC Nippon Life Asset Management Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio 0.26 Information Ratio 0.6 Alpha Ratio -5.18 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹17,713 31 Jul 22 ₹19,070 31 Jul 23 ₹23,980 31 Jul 24 ₹29,699 31 Jul 25 ₹32,490 Returns for Nippon India Banking Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Aug 25 Duration Returns 1 Month -4% 3 Month -3.7% 6 Month 10.9% 1 Year 4.5% 3 Year 17.4% 5 Year 22.6% 10 Year 15 Year Since launch 20.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 10.3% 2023 24.2% 2022 20.7% 2021 29.7% 2020 -10.6% 2019 10.7% 2018 -1.2% 2017 44.1% 2016 11.5% 2015 -6% Fund Manager information for Nippon India Banking Fund
Name Since Tenure Vinay Sharma 9 Apr 18 7.32 Yr. Kinjal Desai 25 May 18 7.19 Yr. Bhavik Dave 18 Jun 21 4.12 Yr. Data below for Nippon India Banking Fund as on 31 Jul 25
Equity Sector Allocation
Sector Value Financial Services 94.51% Technology 2.45% Asset Allocation
Asset Class Value Cash 3.04% Equity 96.96% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 08 | HDFCBANK18% ₹1,324 Cr 6,614,660
↓ -750,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | 53217414% ₹1,043 Cr 7,215,358
↓ -200,000 Axis Bank Ltd (Financial Services)
Equity, Since 30 Jun 17 | 5322159% ₹696 Cr 5,800,228 State Bank of India (Financial Services)
Equity, Since 31 Mar 14 | SBIN5% ₹398 Cr 4,848,932 SBI Life Insurance Co Ltd (Financial Services)
Equity, Since 30 Nov 20 | SBILIFE4% ₹310 Cr 1,685,031
↑ 60,000 SBI Cards and Payment Services Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Jul 20 | SBICARD3% ₹259 Cr 2,720,827 IndusInd Bank Ltd (Financial Services)
Equity, Since 31 May 19 | INDUSINDBK3% ₹239 Cr 2,744,975 Bajaj Finserv Ltd (Financial Services)
Equity, Since 31 Oct 23 | 5329783% ₹236 Cr 1,146,038 Cholamandalam Financial Holdings Ltd (Financial Services)
Equity, Since 30 Apr 19 | CHOLAHLDNG3% ₹219 Cr 1,012,694
↓ -50,000 Bank of Baroda (Financial Services)
Equity, Since 30 Apr 25 | 5321343% ₹201 Cr 8,093,554
↑ 1,500,000 10. ICICI Prudential Value Discovery Fund
ICICI Prudential Value Discovery Fund
Growth Launch Date 16 Aug 04 NAV (28 Aug 25) ₹465.34 ↓ -3.48 (-0.74 %) Net Assets (Cr) ₹53,716 on 31 Jul 25 Category Equity - Value AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk Moderately High Expense Ratio 1.55 Sharpe Ratio -0.31 Information Ratio 1.04 Alpha Ratio 1.35 Min Investment 1,000 Min SIP Investment 100 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹15,301 31 Jul 22 ₹17,603 31 Jul 23 ₹22,071 31 Jul 24 ₹31,589 31 Jul 25 ₹32,279 Returns for ICICI Prudential Value Discovery Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Aug 25 Duration Returns 1 Month -0.1% 3 Month 0.7% 6 Month 12.8% 1 Year 0.4% 3 Year 21.2% 5 Year 25.1% 10 Year 15 Year Since launch 20% Historical performance (Yearly) on absolute basis
Year Returns 2024 20% 2023 31.4% 2022 15% 2021 38.5% 2020 22.9% 2019 0.6% 2018 -4.2% 2017 23.8% 2016 4.6% 2015 5.4% Fund Manager information for ICICI Prudential Value Discovery Fund
Name Since Tenure Sankaran Naren 18 Jan 21 4.54 Yr. Dharmesh Kakkad 18 Jan 21 4.54 Yr. Sharmila D’mello 30 Jun 22 3.09 Yr. Masoomi Jhurmarvala 4 Nov 24 0.74 Yr. Data below for ICICI Prudential Value Discovery Fund as on 31 Jul 25
Equity Sector Allocation
Sector Value Financial Services 30.33% Health Care 11.4% Energy 10.14% Technology 8.11% Consumer Cyclical 7.22% Consumer Defensive 7.02% Basic Materials 5.76% Industrials 5.43% Utility 3.57% Communication Services 2.45% Asset Allocation
Asset Class Value Cash 8.57% Equity 91.43% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reliance Industries Ltd (Energy)
Equity, Since 31 Jan 23 | RELIANCE7% ₹3,923 Cr 26,141,710
↑ 297,911 ICICI Bank Ltd (Financial Services)
Equity, Since 28 Feb 21 | 5321747% ₹3,682 Cr 25,469,866 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Jun 21 | HDFCBANK7% ₹3,605 Cr 18,009,821
↓ -1,896,400 Infosys Ltd (Technology)
Equity, Since 30 Sep 14 | INFY5% ₹2,449 Cr 15,289,962
↑ 584,900 Axis Bank Ltd (Financial Services)
Equity, Since 31 Aug 20 | 5322154% ₹2,272 Cr 18,946,648
↓ -2,124,375 State Bank of India (Financial Services)
Equity, Since 31 Jan 21 | SBIN4% ₹2,238 Cr 27,281,346
↑ 3,241,223 Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 May 16 | SUNPHARMA4% ₹2,107 Cr 12,574,017
↑ 564,973 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Dec 22 | MARUTI3% ₹1,712 Cr 1,380,666
↓ -162,350 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Jan 22 | LT3% ₹1,600 Cr 4,360,155 NTPC Ltd (Utilities)
Equity, Since 30 Sep 14 | 5325553% ₹1,542 Cr 46,051,841
↑ 7,983,261
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Research Highlights for Sundaram Mid Cap Fund