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SIP vs RD

Updated on September 3, 2025 , 36512 views

Which is Better Investment Option?

SIP vs RD? where to invest for better wealth creation? An ultimate approach to generate wealth is saving money every month. Typically, a Systematic Investment plan (SIP) and an RD (Recurring deposit) are two of the most efficient investment options in India to save money every month. Both SIP and RD enable investors to invest small sums of money in regular intervals to earn good returns. With a Systematic Investment Plan (SIP), the investors have to invest a small amount of money, either monthly or quarterly, to earn Market-linked returns. While with an RD (Recurring Deposit), the investor invests fixed amount of money for a pre-decided period to yield fixed returns. Now, the investors can easily calculate SIP returns using a sip calculator and RD returns using an RD Calculator to estimate their investment needs.

In India, few of the most convenient periodic investment options include SIP, RD and PPF (SIP being the most popular one).

SIP-VS-RD

SIP Vs RD - Product Structure

Systematic Investment Plan (SIP)

A SIP is an Investing mode to invest a certain amount in Mutual Funds periodically. The minimum amount to invest in a SIP is as less as INR 500. Usually, SIPs in equity are said to offer good returns because they are market linked and can give return commensurate to the market. As per various sources, the SIP returns over long periods can be as high as 12% to 22% p.a., which is much higher than the interest rates offered by an RD (Recurring Deposit). The only disadvantage of a SIP (Systematic Investment Plan) is that the SIP returns are volatile since they are market-linked, so the risk Factor is much higher. However, when invested for long-term, SIPs are considered to offer good returns.

Recurring Deposit (RD)

A Recurring Deposit or RD is an investment scheme in which the investor has to choose an investment amount and the tenure of investment before investing. Under an RD, the investor has to invest monthly over the selected tenure to earn some interest and the invested amount. Generally, the interest rate of RD varies from 7% to 9% p.a. and is consequently higher for senior citizens. The RD return rate is much less than a Fixed Deposit and SIP because an RD earns interest of the entire 12 months only on the first deposit. On the second deposit in an RD, the interest is earned for 11 months, on the third deposit for 10 months and so on. So, there are no compounding benefits in an RD, unlike FD and SIP. The RD returns are fixed and can be calculated easily using an RD calculator. The major disadvantage of a Recurring Deposit is that it is not tax efficient. TDS (Tax Deducted at Source) is applicable on the interest Income from RD.

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Top 7 Performing Balanced Fund SIP

As Balanced Fund have less riskier than Equity Mutual Funds, Balanced Funds can give stable returns over extended period of time. List of funds below are based on last 3 Years annualized returns (CAGR) and funds having net assets over 500 Crore & Fund Age > 3 years.

1. JM Equity Hybrid Fund

(Erstwhile JM Balanced Fund)

To provide steady current income as well as long term growth of capital.

Research Highlights for JM Equity Hybrid Fund

  • Bottom quartile AUM (₹841 Cr).
  • Oldest track record among peers (30 yrs).
  • Rating: 1★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 21.01% (lower mid).
  • 3Y return: 19.82% (top quartile).
  • 1Y return: -7.92% (bottom quartile).
  • 1M return: -0.28% (bottom quartile).
  • Alpha: -7.43 (bottom quartile).
  • Sharpe: -0.92 (bottom quartile).
  • Information ratio: 1.07 (upper mid).
  • Top sector: Financial Services.
  • Top bond sector: Corporate.
  • Equity-heavy allocation (~77%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Bharti Airtel Ltd (~4.1%).

Below is the key information for JM Equity Hybrid Fund

JM Equity Hybrid Fund
Growth
Launch Date 1 Apr 95
NAV (05 Sep 25) ₹119.518 ↑ 0.04   (0.04 %)
Net Assets (Cr) ₹841 on 31 Jul 25
Category Hybrid - Hybrid Equity
AMC JM Financial Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 2.3
Sharpe Ratio -0.92
Information Ratio 1.07
Alpha Ratio -7.43
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.

DateValue
31 Aug 20₹10,000
31 Aug 21₹14,810
31 Aug 22₹15,114
31 Aug 23₹18,943
31 Aug 24₹28,366
31 Aug 25₹25,821

JM Equity Hybrid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033
Invest Now

Returns for JM Equity Hybrid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Sep 25

DurationReturns
1 Month -0.3%
3 Month 0.9%
6 Month 8.7%
1 Year -7.9%
3 Year 19.8%
5 Year 21%
10 Year
15 Year
Since launch 12.5%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Satish Ramanathan1 Oct 240.92 Yr.
Asit Bhandarkar31 Dec 213.67 Yr.
Ruchi Fozdar4 Oct 240.91 Yr.
Deepak Gupta11 Apr 250.39 Yr.

Data below for JM Equity Hybrid Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash5.64%
Equity77.43%
Debt16.93%
Equity Sector Allocation
SectorValue
Financial Services19.12%
Technology14.68%
Industrials13.31%
Consumer Cyclical12.18%
Basic Materials6.7%
Communication Services4.1%
Health Care3.68%
Consumer Defensive3.66%
Debt Sector Allocation
SectorValue
Corporate10.67%
Government7.97%
Cash Equivalent3.93%
Credit Quality
RatingValue
AA5.15%
AAA94.85%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 24 | BHARTIARTL
4%₹34 Cr180,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 May 21 | LT
4%₹32 Cr88,520
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Jun 24 | HDFCBANK
4%₹30 Cr150,000
↓ -10,000
Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 31 May 25 | MCX
3%₹28 Cr36,000
↓ -3,000
Tech Mahindra Ltd (Technology)
Equity, Since 31 Dec 23 | 532755
3%₹27 Cr185,000
Ujjivan Small Finance Bank Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Jan 25 | UJJIVANSFB
3%₹26 Cr5,950,865
↑ 74,399
Bajaj Finance Ltd (Financial Services)
Equity, Since 31 Jan 25 | 500034
3%₹26 Cr290,040
↓ -25,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 21 | ICICIBANK
3%₹25 Cr170,114
InterGlobe Aviation Ltd (Industrials)
Equity, Since 30 Jun 25 | INDIGO
3%₹24 Cr40,000
Waaree Energies Ltd (Technology)
Equity, Since 31 May 25 | 544277
3%₹23 Cr77,000
↓ -3,000

2. ICICI Prudential Multi-Asset Fund

(Erstwhile ICICI Prudential Dynamic Plan)

To generate capital appreciation by actively investing in equity and equity related securities. For defensive considerations, the Scheme may invest in debt, money market instruments and derivatives. The investment manager will have the discretion to take aggressive asset calls i.e. by staying 100% invested in equity market/equity related instruments at a given point of time and 0% at another, in which case, the fund may be invested in debt related instruments at its discretion. The AMC may choose to churn the portfolio of the Scheme in order to achieve the investment objective. The Scheme is suitable for investors seeking high returns and for those who are willing to take commensurate risks.

Research Highlights for ICICI Prudential Multi-Asset Fund

  • Highest AUM (₹63,001 Cr).
  • Established history (22+ yrs).
  • Rating: 2★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 23.32% (upper mid).
  • 3Y return: 19.45% (upper mid).
  • 1Y return: 7.72% (upper mid).
  • 1M return: 1.75% (upper mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 0.14 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Top sector: Financial Services.
  • Higher exposure to Cash Equivalent (bond sector) vs peer median.
  • Conservative stance with elevated cash (~28%).
  • High-quality debt (AAA/AA ~97%).
  • Largest holding ICICI Bank Ltd (~3.8%).

Below is the key information for ICICI Prudential Multi-Asset Fund

ICICI Prudential Multi-Asset Fund
Growth
Launch Date 31 Oct 02
NAV (04 Sep 25) ₹764.803 ↓ -1.03   (-0.13 %)
Net Assets (Cr) ₹63,001 on 31 Jul 25
Category Hybrid - Multi Asset
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 1.47
Sharpe Ratio 0.14
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.

DateValue
31 Aug 20₹10,000
31 Aug 21₹14,307
31 Aug 22₹16,743
31 Aug 23₹19,905
31 Aug 24₹26,211
31 Aug 25₹27,997

ICICI Prudential Multi-Asset Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623
Invest Now

Returns for ICICI Prudential Multi-Asset Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Sep 25

DurationReturns
1 Month 1.7%
3 Month 2.4%
6 Month 10.9%
1 Year 7.7%
3 Year 19.4%
5 Year 23.3%
10 Year
15 Year
Since launch 20.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 16.1%
2023 24.1%
2022 16.8%
2021 34.7%
2020 9.9%
2019 7.7%
2018 -2.2%
2017 28.2%
2016 12.5%
2015 -1.4%
Fund Manager information for ICICI Prudential Multi-Asset Fund
NameSinceTenure
Sankaran Naren1 Feb 1213.59 Yr.
Manish Banthia22 Jan 241.61 Yr.
Ihab Dalwai3 Jun 178.25 Yr.
Akhil Kakkar22 Jan 241.61 Yr.
Sri Sharma30 Apr 214.34 Yr.
Gaurav Chikane2 Aug 214.08 Yr.
Sharmila D’mello31 Jul 223.09 Yr.
Masoomi Jhurmarvala4 Nov 240.82 Yr.

Data below for ICICI Prudential Multi-Asset Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash27.92%
Equity54.47%
Debt7.46%
Other10.15%
Equity Sector Allocation
SectorValue
Financial Services17.81%
Consumer Cyclical8.67%
Basic Materials7.79%
Industrials6.51%
Energy5.92%
Technology5.52%
Consumer Defensive5.14%
Health Care4.64%
Utility2.46%
Communication Services1.77%
Real Estate1.31%
Debt Sector Allocation
SectorValue
Cash Equivalent23.39%
Corporate6.87%
Government5.12%
Credit Quality
RatingValue
A2.77%
AA17.73%
AAA79.49%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 May 06 | ICICIBANK
4%₹2,370 Cr15,996,800
↓ -910,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Dec 20 | RELIANCE
4%₹2,306 Cr16,590,305
↑ 600,000
ICICI Prudential Silver ETF
- | -
3%₹2,067 Cr185,761,419
↓ -24,224,000
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Aug 21 | MARUTI
3%₹1,919 Cr1,521,780
↑ 18,000
ICICI Pru Gold ETF
- | -
3%₹1,906 Cr224,590,882
Gold (1 Kg-1000 Gms) Commodity October 2025 Future
Others | -
3%₹1,807 Cr1,830
↑ 1,830
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 19 | LT
3%₹1,690 Cr4,647,092
↓ -148,850
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 22 | HDFCBANK
2%₹1,493 Cr7,396,399
Axis Bank Ltd (Financial Services)
Equity, Since 31 Dec 20 | 532215
2%₹1,446 Cr13,534,762
↑ 2,555,520
InterGlobe Aviation Ltd (Industrials)
Equity, Since 28 Feb 23 | INDIGO
2%₹1,326 Cr2,242,947

3. ICICI Prudential Equity and Debt Fund

(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.

Research Highlights for ICICI Prudential Equity and Debt Fund

  • Upper mid AUM (₹44,605 Cr).
  • Established history (25+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 24.70% (top quartile).
  • 3Y return: 19.22% (upper mid).
  • 1Y return: 4.15% (upper mid).
  • 1M return: 1.72% (upper mid).
  • Alpha: 2.01 (upper mid).
  • Sharpe: -0.18 (upper mid).
  • Information ratio: 2.06 (top quartile).
  • Top sector: Financial Services.
  • Top bond sector: Corporate.
  • Equity-heavy allocation (~77%).
  • High-quality debt (AAA/AA ~97%).
  • Largest holding ICICI Bank Ltd (~6.1%).

Below is the key information for ICICI Prudential Equity and Debt Fund

ICICI Prudential Equity and Debt Fund
Growth
Launch Date 3 Nov 99
NAV (05 Sep 25) ₹395.52 ↑ 0.61   (0.15 %)
Net Assets (Cr) ₹44,605 on 31 Jul 25
Category Hybrid - Hybrid Equity
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 1.6
Sharpe Ratio -0.19
Information Ratio 2.06
Alpha Ratio 2.01
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.

DateValue
31 Aug 20₹10,000
31 Aug 21₹15,332
31 Aug 22₹17,708
31 Aug 23₹20,751
31 Aug 24₹28,858
31 Aug 25₹29,677

ICICI Prudential Equity and Debt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833
Invest Now

Returns for ICICI Prudential Equity and Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Sep 25

DurationReturns
1 Month 1.7%
3 Month 2.5%
6 Month 12.6%
1 Year 4.1%
3 Year 19.2%
5 Year 24.7%
10 Year
15 Year
Since launch 15.3%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Sankaran Naren7 Dec 159.74 Yr.
Manish Banthia19 Sep 1311.96 Yr.
Mittul Kalawadia29 Dec 204.68 Yr.
Akhil Kakkar22 Jan 241.61 Yr.
Sri Sharma30 Apr 214.34 Yr.
Sharmila D’mello31 Jul 223.09 Yr.
Nitya Mishra4 Nov 240.82 Yr.

Data below for ICICI Prudential Equity and Debt Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash7.79%
Equity77.34%
Debt14.87%
Equity Sector Allocation
SectorValue
Financial Services20.33%
Consumer Cyclical12.75%
Energy7.99%
Industrials6.24%
Health Care6.23%
Utility6.07%
Consumer Defensive5.41%
Technology4.54%
Communication Services2.66%
Real Estate2.57%
Basic Materials2.53%
Debt Sector Allocation
SectorValue
Corporate11.55%
Government8.13%
Cash Equivalent2.98%
Credit Quality
RatingValue
A3.21%
AA19.53%
AAA77.26%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jul 12 | ICICIBANK
6%₹2,712 Cr18,309,865
↓ -374,500
NTPC Ltd (Utilities)
Equity, Since 28 Feb 17 | 532555
6%₹2,493 Cr74,574,915
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Jul 21 | MARUTI
5%₹2,163 Cr1,715,417
Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 22 | RELIANCE
5%₹2,062 Cr14,832,605
↑ 3,514,713
Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 May 16 | SUNPHARMA
4%₹2,001 Cr11,723,757
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 21 | HDFCBANK
4%₹1,955 Cr9,687,952
Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 21 | 532215
4%₹1,660 Cr15,534,275
↑ 1,837,500
Avenue Supermarts Ltd (Consumer Defensive)
Equity, Since 31 Jan 23 | 540376
3%₹1,319 Cr3,090,730
↑ 100
TVS Motor Co Ltd (Consumer Cyclical)
Equity, Since 28 Feb 18 | 532343
3%₹1,192 Cr4,255,345
Infosys Ltd (Technology)
Equity, Since 30 Jun 16 | INFY
3%₹1,131 Cr7,492,013
↑ 2,593,931

4. UTI Multi Asset Fund

(Erstwhile UTI Wealth Builder Fund)

The objective of the Scheme is to achieve long term capital appreciation by investing predominantly in a diversified portfolio of equity and equity related instruments along with investments in Gold ETFs and Debt and Money Market Instruments. However, there can be no assurance that the investment objective of the Scheme will be achieved.

Research Highlights for UTI Multi Asset Fund

  • Upper mid AUM (₹5,902 Cr).
  • Established history (16+ yrs).
  • Rating: 1★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 15.75% (bottom quartile).
  • 3Y return: 18.81% (lower mid).
  • 1Y return: 2.60% (lower mid).
  • 1M return: 1.19% (lower mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.27 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Top sector: Financial Services.
  • Higher exposure to Cash Equivalent (bond sector) vs peer median.
  • High-quality debt (AAA/AA ~100%).
  • Largest holding UTI Gold ETF (~10.9%).

Below is the key information for UTI Multi Asset Fund

UTI Multi Asset Fund
Growth
Launch Date 21 Oct 08
NAV (05 Sep 25) ₹74.6956 ↓ -0.02   (-0.03 %)
Net Assets (Cr) ₹5,902 on 31 Jul 25
Category Hybrid - Multi Asset
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately High
Expense Ratio 1.79
Sharpe Ratio -0.27
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹12,093
31 Aug 22₹12,350
31 Aug 23₹14,323
31 Aug 24₹20,260
31 Aug 25₹20,446

UTI Multi Asset Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579
Invest Now

Returns for UTI Multi Asset Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Sep 25

DurationReturns
1 Month 1.2%
3 Month 1.7%
6 Month 10%
1 Year 2.6%
3 Year 18.8%
5 Year 15.7%
10 Year
15 Year
Since launch 12.7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 20.7%
2023 29.1%
2022 4.4%
2021 11.8%
2020 13.1%
2019 3.9%
2018 -0.5%
2017 17.1%
2016 7.3%
2015 -3.7%
Fund Manager information for UTI Multi Asset Fund
NameSinceTenure
Sharwan Kumar Goyal12 Nov 213.81 Yr.
Jaydeep Bhowal1 Oct 240.92 Yr.

Data below for UTI Multi Asset Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash16.03%
Equity58.52%
Debt14.68%
Other10.78%
Equity Sector Allocation
SectorValue
Financial Services15.23%
Technology13.14%
Consumer Defensive8.68%
Health Care7.86%
Basic Materials7.12%
Consumer Cyclical4.98%
Communication Services2.93%
Energy2.92%
Industrials2.92%
Real Estate1.8%
Utility0.05%
Debt Sector Allocation
SectorValue
Cash Equivalent16.03%
Government10.62%
Corporate4.06%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
UTI Gold ETF
- | -
11%₹641 Cr76,977,316
↑ 1,000,000
ICICI Bank Ltd (Financial Services)
Equity, Since 29 Feb 24 | ICICIBANK
4%₹233 Cr1,575,020
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 24 | BHARTIARTL
3%₹169 Cr881,974
↑ 18,518
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 25 | HDFCBANK
3%₹158 Cr785,282
↑ 10,450
7.1% Govt Stock 2034
Sovereign Bonds | -
3%₹156 Cr1,500,000,000
Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 29 Feb 24 | SUNPHARMA
2%₹145 Cr849,154
Infosys Ltd (Technology)
Equity, Since 31 Mar 24 | INFY
2%₹144 Cr954,222
↑ 6,644
ITC Ltd (Consumer Defensive)
Equity, Since 31 Oct 22 | ITC
2%₹139 Cr3,365,690
↑ 167,336
HCL Technologies Ltd (Technology)
Equity, Since 31 Oct 24 | HCLTECH
2%₹127 Cr864,152
↑ 48,999
Tata Consultancy Services Ltd (Technology)
Equity, Since 29 Feb 24 | TCS
2%₹119 Cr393,100
↑ 8,169

5. BOI AXA Mid and Small Cap Equity and Debt Fund

(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

  • Bottom quartile AUM (₹1,258 Cr).
  • Established history (9+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 23.06% (upper mid).
  • 3Y return: 18.14% (lower mid).
  • 1Y return: -4.81% (bottom quartile).
  • 1M return: -0.79% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: -0.38 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Higher exposure to Basic Materials vs peer median.
  • Top bond sector: Government.
  • Equity-heavy allocation (~70%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Coforge Ltd (~3.7%).

Below is the key information for 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 (05 Sep 25) ₹37.59 ↑ 0.01   (0.03 %)
Net Assets (Cr) ₹1,258 on 31 Jul 25
Category Hybrid - Hybrid Equity
AMC BOI AXA Investment Mngrs Private Ltd
Rating Not Rated
Risk Moderately High
Expense Ratio 2.27
Sharpe Ratio -0.39
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.

DateValue
31 Aug 20₹10,000
31 Aug 21₹16,993
31 Aug 22₹17,138
31 Aug 23₹20,673
31 Aug 24₹30,490
31 Aug 25₹28,432

BOI AXA Mid and Small Cap Equity and Debt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623
Invest Now

Returns for BOI AXA Mid and Small Cap Equity and Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Sep 25

DurationReturns
1 Month -0.8%
3 Month -2.6%
6 Month 13.3%
1 Year -4.8%
3 Year 18.1%
5 Year 23.1%
10 Year
15 Year
Since launch 15.6%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Alok Singh16 Feb 178.54 Yr.

Data below for BOI AXA Mid and Small Cap Equity and Debt Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash15.99%
Equity69.56%
Debt14.45%
Equity Sector Allocation
SectorValue
Basic Materials16.26%
Financial Services12.74%
Industrials11.73%
Health Care8.54%
Technology8.21%
Consumer Cyclical6.2%
Consumer Defensive3.94%
Energy1%
Utility0.94%
Debt Sector Allocation
SectorValue
Government10.85%
Corporate10.78%
Cash Equivalent8.81%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Coforge Ltd (Technology)
Equity, Since 31 May 20 | COFORGE
4%₹46 Cr264,000
Jindal Stainless Ltd (Basic Materials)
Equity, Since 30 Sep 21 | JSL
3%₹39 Cr566,000
Housing & Urban Development Corp Ltd (Financial Services)
Equity, Since 31 May 24 | HUDCO
3%₹34 Cr1,580,000
Lloyds Metals & Energy Ltd (Basic Materials)
Equity, Since 28 Feb 25 | 512455
3%₹33 Cr222,000
Glenmark Pharmaceuticals Ltd (Healthcare)
Equity, Since 31 Jul 25 | 532296
3%₹32 Cr150,000
↑ 150,000
PB Fintech Ltd (Financial Services)
Equity, Since 29 Feb 24 | 543390
2%₹26 Cr145,000
Bharat Dynamics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jul 24 | BDL
2%₹26 Cr159,000
Hindustan Copper Ltd (Basic Materials)
Equity, Since 31 Oct 24 | 513599
2%₹26 Cr1,050,000
Eris Lifesciences Ltd Registered Shs (Healthcare)
Equity, Since 31 Jul 23 | ERIS
2%₹25 Cr138,000
Swan Corp Ltd (Industrials)
Equity, Since 31 Dec 23 | SWANENERGY
2%₹25 Cr525,000
↑ 50,000

6. Edelweiss Multi Asset Allocation Fund

(Erstwhile Edelweiss Prudent Advantage Fund)

The objective of the Scheme is to generate returns through capital appreciation by investing in diversified portfolio of equity and equity-related securities, fixed income instruments and Gold Exchange Traded Funds. However, there is no assurance that the investment objective of the Scheme will be realized.

Research Highlights for Edelweiss Multi Asset Allocation Fund

  • Lower mid AUM (₹2,994 Cr).
  • Established history (16+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 19.56% (lower mid).
  • 3Y return: 16.84% (bottom quartile).
  • 1Y return: 0.98% (lower mid).
  • 1M return: 0.21% (lower mid).
  • Alpha: 1.29 (upper mid).
  • Sharpe: -0.27 (lower mid).
  • Information ratio: 1.70 (upper mid).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~75%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding National Bank For Agriculture And Rural Development (~6.4%).

Below is the key information for Edelweiss Multi Asset Allocation Fund

Edelweiss Multi Asset Allocation Fund
Growth
Launch Date 12 Aug 09
NAV (05 Sep 25) ₹63.14 ↓ -0.02   (-0.03 %)
Net Assets (Cr) ₹2,994 on 31 Jul 25
Category Hybrid - Multi Asset
AMC Edelweiss Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 1.98
Sharpe Ratio -0.27
Information Ratio 1.7
Alpha Ratio 1.29
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹14,293
31 Aug 22₹15,274
31 Aug 23₹17,622
31 Aug 24₹24,205
31 Aug 25₹24,139

Edelweiss Multi Asset Allocation Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520
Invest Now

Returns for Edelweiss Multi Asset Allocation Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Sep 25

DurationReturns
1 Month 0.2%
3 Month 0.5%
6 Month 10.8%
1 Year 1%
3 Year 16.8%
5 Year 19.6%
10 Year
15 Year
Since launch
Historical performance (Yearly) on absolute basis
YearReturns
2024 20.2%
2023 25.4%
2022 5.3%
2021 27.1%
2020 12.7%
2019 10.4%
2018 -0.1%
2017 26.1%
2016 0.2%
2015 2.2%
Fund Manager information for Edelweiss Multi Asset Allocation Fund
NameSinceTenure
Bhavesh Jain14 Oct 159.89 Yr.
Bharat Lahoti1 Oct 213.92 Yr.
Rahul Dedhia1 Jul 241.17 Yr.
Pranavi Kulkarni1 Aug 241.08 Yr.

Data below for Edelweiss Multi Asset Allocation Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash9.9%
Equity75.14%
Debt14.96%
Equity Sector Allocation
SectorValue
Financial Services22.22%
Technology8.6%
Health Care8.55%
Industrials8.1%
Consumer Cyclical6.81%
Basic Materials5.51%
Consumer Defensive4.77%
Communication Services4.07%
Energy2.79%
Utility2.45%
Real Estate0.32%
Debt Sector Allocation
SectorValue
Cash Equivalent9.9%
Corporate7.87%
Government7.09%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank For Agriculture And Rural Development
Debentures | -
6%₹191 Cr19,000,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 15 | ICICIBANK
6%₹190 Cr1,280,520
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 15 | HDFCBANK
5%₹141 Cr699,107
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 19 | BHARTIARTL
3%₹80 Cr416,209
Aditya Birla Capital Limited
Debentures | -
3%₹76 Cr7,500,000
Hdb Financial Services Limited
Debentures | -
3%₹76 Cr7,500,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Aug 20 | RELIANCE
2%₹67 Cr479,028
Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Oct 19 | SUNPHARMA
2%₹59 Cr343,006
Infosys Ltd (Technology)
Equity, Since 31 May 15 | INFY
2%₹56 Cr373,077
HDFC Life Insurance Co Ltd (Financial Services)
Equity, Since 31 Aug 24 | HDFCLIFE
2%₹51 Cr670,207

7. Sundaram Equity Hybrid Fund

(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

  • Lower mid AUM (₹1,954 Cr).
  • Established history (25+ yrs).
  • Rating: 2★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 14.20% (bottom quartile).
  • 3Y return: 16.03% (bottom quartile).
  • 1Y return: 27.10% (top quartile).
  • 1M return: 1.80% (top quartile).
  • Alpha: 5.81 (top quartile).
  • Sharpe: 2.64 (top quartile).
  • Information ratio: -0.12 (bottom quartile).

Below is the key information for 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.

DateValue
31 Aug 20₹10,000
31 Aug 21₹14,231

Sundaram Equity Hybrid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710
Invest Now

Returns for Sundaram Equity Hybrid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Sep 25

DurationReturns
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
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for Sundaram Equity Hybrid Fund
NameSinceTenure

Data below for Sundaram Equity Hybrid Fund as on 30 Nov 21

Asset Allocation
Asset ClassValue
Equity Sector Allocation
SectorValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

SIP Vs RD: Which is Better RD Or SIP?

Difference Between Recurring Deposit and SIP

The factors used here are the rate of return, liquidity, taxation, Volatility, risk factors, etc.

Factors Recurring Deposit (RD) Systematic Investment Plan (SIP)
Rate of Return The SIP returns are market-linked and may vary depending on the type of fund and the fund performance. However, the returns of a SIP are usually good when invested for a longer tenure. The return rate of an RD is fixed due to its Fixed Interest Rate. So, there is no effect of market volatility on this investment.
Investment Scheme In a RD scheme, you will have to invest in a deposit plan that will give you fixed rate of returns. You can also opt for flexible recurring deposit scheme if you are looking for more flexibility. In a SIP for mutual funds, you can choose between debt or equity type of funds depending on your risk capability.
Investment Type In a Recurring deposit scheme, the investor has to deposit a fixed amount every month. Systematic Investment Plan is a way to put your money on mutual funds. Investment can be done on a periodic Basis - daily, weekly, monthly or quarterly.
Liquidity To Cancel SIP, the investors can simply close their investment and withdraw their money without any penal charges. In the case of an RD, the premature withdrawal or closure of the investment will cause penalty charges.
Taxation Recurring Deposit amount or the interest earned on it are not exempted from tax. SIP investments and returns are exempted from tax only when invested on Equity Linked Savings Scheme (ELSS) funds.
Volatility Being market-linked, the SIP returns are volatile and may vary from fund to fund. The RD returns are fixed and thus it is not a volatile investment.
Risk Factor The risk factor is almost null in an RD investment as the returns are fixed. It is one of the safest investment. The risk in SIP is higher than that in an RD, as SIP returns depend on stock market and Asset Allocation.
Investment Goal Recurring Deposits usually serve short-term savings goal and do not help in long-term wealth growth. SIPs can help in all kinds of investments goals, whether short- or long –term, depending on the frequency of investment, funds chosen and other factors.
Installment Frequency Recurring Deposit usually come with monthly instalments SIPs offer flexible instalment plans of daily, weekly, monthly, quarterly etc.

Evaluation: Returns of SIP Vs RD

Which is a better investment option- SIP vs RD? The answer to this question may vary from person to person depending on their personal needs. As you know, the SIP returns are variable while the RD returns are fixed, let’s see how much the investment grows if one invests INR 1,000 in both an RD and a SIP for 1 year (12 months).

RD Return Calculator

The RD interest rate may vary at every Bank, but generally, the interest rate ranges from 7% to 9% p.a. Assuming the interest rate to be 8%, let’s analyse the growth in an RD investment of INR 1,000 monthly for 12 months.

RD-Return-Calculator

SIP Return Calculator

Assuming the SIP interest rate to be 12%, let’s monitor how your SIP grows if you invest INR 1000 monthly for 1 year through the Power of Compounding.

SIP-Return-Calculator

In conclusion, here are some final tips for investors.

  • If you are a risk-averse investor, RD or Recurring Deposit is a better option. The RD interest rate and returns are capped beforehand and are usually not very high, may vary from 7-9% p.a.
  • If you wish to take a little risk, SIP is one of the best investment options for long-term investment. As per the analysis, SIPs offer good returns and the interest rates are usually higher, exceeding to 15% p.a. in some cases.
  • When investing for 5 years, RD is a safer option for investors who are looking for fixed returns.
  • However, when investing for a longer duration (more than 5 years) for a certain financial goal, SIP offers good returns and the money growth is much higher.

“Investing in equity via SIP is like planting a tree, one has to be patient to avail the fruits.”

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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