Table of Contents
SIP vs RD
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 - 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.
Talk to our investment specialist
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.
(Erstwhile JM Balanced Fund) To provide steady current income as well as long term growth of capital. JM Equity Hybrid Fund is a Hybrid - Hybrid Equity fund was launched on 1 Apr 95. It is a fund with Moderately High risk and has given a 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 BOI AXA Mid and Small Cap Equity and Debt Fund is a Hybrid - Hybrid Equity fund was launched on 20 Jul 16. It is a fund with Moderately High risk and has given a Below is the key information for BOI AXA Mid and Small Cap Equity and Debt Fund Returns up to 1 year are on (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. ICICI Prudential Equity and Debt Fund is a Hybrid - Hybrid Equity fund was launched on 3 Nov 99. It is a fund with Moderately High risk and has given a Below is the key information for ICICI Prudential Equity and Debt Fund Returns up to 1 year are on (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. UTI Multi Asset Fund is a Hybrid - Multi Asset fund was launched on 21 Oct 08. It is a fund with Moderately High risk and has given a Below is the key information for UTI Multi Asset Fund Returns up to 1 year are on (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. ICICI Prudential Multi-Asset Fund is a Hybrid - Multi Asset fund was launched on 31 Oct 02. It is a fund with Moderately High risk and has given a Below is the key information for ICICI Prudential Multi-Asset Fund Returns up to 1 year are on (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. Edelweiss Multi Asset Allocation Fund is a Hybrid - Multi Asset fund was launched on 12 Aug 09. It is a fund with Moderately High risk and has given a Below is the key information for Edelweiss Multi Asset Allocation 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. UTI Hybrid Equity Fund is a Hybrid - Hybrid Equity fund was launched on 2 Jan 95. It is a fund with Moderately High risk and has given a Below is the key information for UTI Hybrid Equity Fund Returns up to 1 year are on 1. JM Equity Hybrid Fund
CAGR/Annualized return of 12.6% since its launch. Ranked 35 in Hybrid Equity category. Return for 2024 was 27% , 2023 was 33.8% and 2022 was 8.1% . JM Equity Hybrid Fund
Growth Launch Date 1 Apr 95 NAV (27 Jun 25) ₹123.073 ↑ 0.04 (0.03 %) Net Assets (Cr) ₹822 on 31 May 25 Category Hybrid - Hybrid Equity AMC JM Financial Asset Management Limited Rating ☆ Risk Moderately High Expense Ratio 2.36 Sharpe Ratio -0.27 Information Ratio 1.06 Alpha Ratio -7.35 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 31 May 20 ₹10,000 31 May 21 ₹17,822 31 May 22 ₹18,451 31 May 23 ₹21,753 31 May 24 ₹33,153 31 May 25 ₹33,812 Returns for JM Equity Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jun 25 Duration Returns 1 Month 4.6% 3 Month 8.4% 6 Month -1% 1 Year 0.5% 3 Year 25.2% 5 Year 27.1% 10 Year 15 Year Since launch 12.6% 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 0.66 Yr. Asit Bhandarkar 31 Dec 21 3.42 Yr. Ruchi Fozdar 4 Oct 24 0.66 Yr. Deepak Gupta 11 Apr 25 0.14 Yr. Data below for JM Equity Hybrid Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 5.88% Equity 74.19% Debt 19.94% Equity Sector Allocation
Sector Value Financial Services 23.42% Health Care 9.25% Technology 9.08% Consumer Cyclical 8.65% Basic Materials 6.54% Consumer Defensive 5.38% Communication Services 4.65% Utility 3.83% Industrials 3.4% Debt Sector Allocation
Sector Value Government 12.27% Corporate 8.26% Cash Equivalent 5.28% Credit Quality
Rating Value AA 1.22% AAA 98.78% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -5% ₹43 Cr 4,150,000
↑ 2,075,000 Bajaj Finance Ltd (Financial Services)
Equity, Since 31 Jan 25 | 5000345% ₹38 Cr 43,504
↓ -9,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 24 | BHARTIARTL5% ₹37 Cr 200,000
↑ 50,000 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Jun 24 | HDFCBANK5% ₹37 Cr 192,000 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Mar 25 | 5328984% ₹31 Cr 1,000,000 REC Ltd (Financial Services)
Equity, Since 30 Nov 22 | 5329554% ₹29 Cr 680,500 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 21 | ICICIBANK4% ₹29 Cr 200,114
↑ 20,000 Tech Mahindra Ltd (Technology)
Equity, Since 31 Dec 23 | 5327553% ₹28 Cr 185,000
↑ 105,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 May 21 | LT3% ₹23 Cr 68,520
↑ 40,000 Ujjivan Small Finance Bank Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Jan 25 | UJJIVANSFB3% ₹22 Cr 5,076,466
↑ 800,000 2. BOI AXA Mid and Small Cap Equity and Debt Fund
CAGR/Annualized return of 16.3% since its launch. Return for 2024 was 25.8% , 2023 was 33.7% and 2022 was -4.8% . BOI AXA Mid and Small Cap Equity and Debt Fund
Growth Launch Date 20 Jul 16 NAV (27 Jun 25) ₹38.58 ↑ 0.12 (0.31 %) Net Assets (Cr) ₹1,198 on 31 May 25 Category Hybrid - Hybrid Equity AMC BOI AXA Investment Mngrs Private Ltd Rating Risk Moderately High Expense Ratio 2.68 Sharpe Ratio 0.16 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 31 May 20 ₹10,000 31 May 21 ₹17,273 31 May 22 ₹19,227 31 May 23 ₹21,509 31 May 24 ₹31,864 31 May 25 ₹34,491 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 27 Jun 25 Duration Returns 1 Month 2.4% 3 Month 10.5% 6 Month -0.9% 1 Year 3.3% 3 Year 24% 5 Year 27.3% 10 Year 15 Year Since launch 16.3% 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 8.29 Yr. Data below for BOI AXA Mid and Small Cap Equity and Debt Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 9.55% Equity 74.53% Debt 15.93% Equity Sector Allocation
Sector Value Financial Services 15.08% Basic Materials 14.2% Industrials 11.74% Consumer Cyclical 10.18% Technology 8.66% Health Care 7.74% Consumer Defensive 3.86% Energy 1.81% Utility 1.26% Debt Sector Allocation
Sector Value Government 11.82% Corporate 10.26% Cash Equivalent 3.39% Credit Quality
Rating Value AA 1.87% AAA 98.13% Top Securities Holdings / Portfolio
Name Holding Value Quantity Coforge Ltd (Technology)
Equity, Since 31 May 20 | COFORGE4% ₹39 Cr 52,800 Housing & Urban Development Corp Ltd (Financial Services)
Equity, Since 31 May 24 | HUDCO3% ₹35 Cr 1,580,000 Dixon Technologies (India) Ltd (Technology)
Equity, Since 31 Dec 23 | DIXON3% ₹35 Cr 21,000 Jindal Stainless Ltd (Basic Materials)
Equity, Since 30 Sep 21 | JSL3% ₹32 Cr 542,000 Bharat Dynamics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jul 24 | BDL2% ₹24 Cr 159,000
↑ 114,000 PB Fintech Ltd (Financial Services)
Equity, Since 29 Feb 24 | 5433902% ₹24 Cr 145,000 Lloyds Metals & Energy Ltd (Basic Materials)
Equity, Since 28 Feb 25 | 5124552% ₹21 Cr 178,142 Indian Railway Finance Corporation Limited
Debentures | -2% ₹21 Cr 2,000,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹20 Cr 2,000,000
↑ 2,000,000 Nippon Life India Asset Management Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Jan 24 | NAM-INDIA2% ₹20 Cr 315,000 3. ICICI Prudential Equity and Debt Fund
CAGR/Annualized return of 15.4% since its launch. Ranked 7 in Hybrid Equity category. Return for 2024 was 17.2% , 2023 was 28.2% and 2022 was 11.7% . ICICI Prudential Equity and Debt Fund
Growth Launch Date 3 Nov 99 NAV (27 Jun 25) ₹395.68 ↑ 1.26 (0.32 %) Net Assets (Cr) ₹43,159 on 31 May 25 Category Hybrid - Hybrid Equity AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.78 Sharpe Ratio 0.48 Information Ratio 1.63 Alpha Ratio 2.14 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 May 20 ₹10,000 31 May 21 ₹15,597 31 May 22 ₹18,779 31 May 23 ₹21,302 31 May 24 ₹29,127 31 May 25 ₹32,634 Returns for ICICI Prudential Equity and Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jun 25 Duration Returns 1 Month 2.6% 3 Month 7.2% 6 Month 8.6% 1 Year 10.1% 3 Year 22.9% 5 Year 26.2% 10 Year 15 Year Since launch 15.4% 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 9.49 Yr. Manish Banthia 19 Sep 13 11.7 Yr. Mittul Kalawadia 29 Dec 20 4.42 Yr. Akhil Kakkar 22 Jan 24 1.36 Yr. Sri Sharma 30 Apr 21 4.09 Yr. Sharmila D’mello 31 Jul 22 2.84 Yr. Nitya Mishra 4 Nov 24 0.57 Yr. Data below for ICICI Prudential Equity and Debt Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 13.01% Equity 70.29% Debt 16.19% Equity Sector Allocation
Sector Value Financial Services 19.92% Consumer Cyclical 11.99% Energy 6.38% Utility 5.52% Health Care 5.31% Industrials 5.23% Consumer Defensive 4.33% Technology 3.25% Basic Materials 3.1% Communication Services 3% Real Estate 2.22% Debt Sector Allocation
Sector Value Corporate 10.98% Cash Equivalent 10.52% Government 8.22% Credit Quality
Rating Value A 3.24% AA 27.01% AAA 65.72% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jul 12 | ICICIBANK7% ₹2,898 Cr 20,309,765 NTPC Ltd (Utilities)
Equity, Since 28 Feb 17 | 5325555% ₹2,302 Cr 64,921,174
↓ -1,500,000 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 21 | HDFCBANK5% ₹2,115 Cr 10,987,602
↓ -4,267,450 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Jul 21 | MARUTI5% ₹2,103 Cr 1,715,417 Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 May 16 | SUNPHARMA4% ₹1,563 Cr 8,532,331
↓ -667,107 Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 22 | RELIANCE3% ₹1,433 Cr 10,201,366 Avenue Supermarts Ltd (Consumer Defensive)
Equity, Since 31 Jan 23 | 5403763% ₹1,327 Cr 3,158,649
↓ -35,319 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 16 | BHARTIARTL3% ₹1,195 Cr 6,408,180
↓ -2,470,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 21 | 5322153% ₹1,179 Cr 9,949,340
↓ -518,750 TVS Motor Co Ltd (Consumer Cyclical)
Equity, Since 28 Feb 18 | 5323433% ₹1,137 Cr 4,255,345
↑ 51,594 4. UTI Multi Asset Fund
CAGR/Annualized return of 12.8% since its launch. Ranked 34 in Multi Asset category. Return for 2024 was 20.7% , 2023 was 29.1% and 2022 was 4.4% . UTI Multi Asset Fund
Growth Launch Date 21 Oct 08 NAV (27 Jun 25) ₹74.7913 ↑ 0.07 (0.10 %) Net Assets (Cr) ₹5,659 on 31 May 25 Category Hybrid - Multi Asset AMC UTI Asset Management Company Ltd Rating ☆ Risk Moderately High Expense Ratio 1.62 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.
Date Value 31 May 20 ₹10,000 31 May 21 ₹13,059 31 May 22 ₹13,317 31 May 23 ₹15,485 31 May 24 ₹21,160 31 May 25 ₹23,120 Returns for UTI Multi Asset Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jun 25 Duration Returns 1 Month 2% 3 Month 7.1% 6 Month 4.6% 1 Year 8.7% 3 Year 22.7% 5 Year 17.3% 10 Year 15 Year Since launch 12.8% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Sharwan Kumar Goyal 12 Nov 21 3.55 Yr. Jaydeep Bhowal 1 Oct 24 0.66 Yr. Data below for UTI Multi Asset Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 21.3% Equity 51.34% Debt 16.43% Other 10.94% Equity Sector Allocation
Sector Value Financial Services 15.09% Technology 12.73% Consumer Defensive 8.53% Basic Materials 6.49% Consumer Cyclical 6.21% Health Care 5.55% Industrials 4.11% Energy 3.01% Communication Services 3% Real Estate 0.55% Utility 0.32% Debt Sector Allocation
Sector Value Cash Equivalent 21.3% Government 10.85% Corporate 5.58% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity UTI Gold ETF
- | -11% ₹609 Cr 75,977,316
↓ -5,500,000 ICICI Bank Ltd (Financial Services)
Equity, Since 29 Feb 24 | ICICIBANK4% ₹217 Cr 1,520,420
↓ -331,064 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 24 | BHARTIARTL3% ₹161 Cr 863,456
↓ -93,111 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹157 Cr 1,500,000,000
↓ -150,000,000 Infosys Ltd (Technology)
Equity, Since 31 Mar 24 | INFY3% ₹142 Cr 947,578
↓ -48,733 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 25 | HDFCBANK3% ₹141 Cr 730,282
↑ 730,282 ITC Ltd (Consumer Defensive)
Equity, Since 31 Oct 22 | ITC2% ₹136 Cr 3,198,354
↑ 125,170 Tata Consultancy Services Ltd (Technology)
Equity, Since 29 Feb 24 | TCS2% ₹133 Cr 384,931
↓ -6,055 HCL Technologies Ltd (Technology)
Equity, Since 31 Oct 24 | HCLTECH2% ₹127 Cr 810,253
↑ 407,176 Bajaj Finserv Ltd (Financial Services)
Equity, Since 29 Feb 24 | 5329782% ₹112 Cr 573,213
↑ 314,146 5. ICICI Prudential Multi-Asset Fund
CAGR/Annualized return of 21.1% since its launch. Ranked 53 in Multi Asset category. Return for 2024 was 16.1% , 2023 was 24.1% and 2022 was 16.8% . ICICI Prudential Multi-Asset Fund
Growth Launch Date 31 Oct 02 NAV (26 Jun 25) ₹761.083 ↑ 3.72 (0.49 %) Net Assets (Cr) ₹59,452 on 31 May 25 Category Hybrid - Multi Asset AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk Moderately High Expense Ratio 1.83 Sharpe Ratio 0.79 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹14,912 31 May 22 ₹17,947 31 May 23 ₹20,715 31 May 24 ₹27,255 31 May 25 ₹30,896 Returns for ICICI Prudential Multi-Asset Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jun 25 Duration Returns 1 Month 1.7% 3 Month 6.2% 6 Month 9.6% 1 Year 12.2% 3 Year 22.4% 5 Year 24.6% 10 Year 15 Year Since launch 21.1% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Sankaran Naren 1 Feb 12 13.34 Yr. Manish Banthia 22 Jan 24 1.36 Yr. Ihab Dalwai 3 Jun 17 8 Yr. Akhil Kakkar 22 Jan 24 1.36 Yr. Sri Sharma 30 Apr 21 4.09 Yr. Gaurav Chikane 2 Aug 21 3.83 Yr. Sharmila D’mello 31 Jul 22 2.84 Yr. Masoomi Jhurmarvala 4 Nov 24 0.57 Yr. Data below for ICICI Prudential Multi-Asset Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 29.74% Equity 50.56% Debt 8.17% Other 11.3% Equity Sector Allocation
Sector Value Financial Services 19.08% Consumer Cyclical 8.77% Basic Materials 6.87% Energy 6.41% Industrials 6.1% Technology 5.52% Health Care 4.66% Consumer Defensive 4.38% Utility 2.82% Communication Services 1.87% Real Estate 1.09% Debt Sector Allocation
Sector Value Cash Equivalent 26.82% Corporate 6.31% Government 5.02% Credit Quality
Rating Value A 3.01% AA 21.26% AAA 72.32% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 May 06 | ICICIBANK4% ₹2,413 Cr 16,906,800
↓ -1,050,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Dec 20 | RELIANCE4% ₹2,194 Cr 15,612,305
↑ 2,298,292 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Aug 21 | MARUTI4% ₹2,069 Cr 1,688,199
↓ -93,600 ICICI Prudential Silver ETF
- | -3% ₹1,864 Cr 195,255,419
↑ 15,563,436 ICICI Pru Gold ETF
- | -3% ₹1,832 Cr 224,590,882 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 19 | LT3% ₹1,602 Cr 4,794,268
↑ 835,199 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 22 | HDFCBANK3% ₹1,510 Cr 7,846,299
↓ -2,211,000 SBI Cards and Payment Services Ltd Ordinary Shares (Financial Services)
Equity, Since 30 Nov 22 | SBICARD3% ₹1,480 Cr 16,942,626 Gold (1 Kg-1000 Gms) Commodity June 2025 Future
Others | -2% ₹1,373 Cr 1,450
↓ -150 Nifty 50 Index
Derivatives | -2% -₹1,252 Cr 512,775
↑ 225,000 6. Edelweiss Multi Asset Allocation Fund
CAGR/Annualized return of since its launch. Ranked 71 in Multi Asset category. Return for 2024 was 20.2% , 2023 was 25.4% and 2022 was 5.3% . Edelweiss Multi Asset Allocation Fund
Growth Launch Date 12 Aug 09 NAV (27 Jun 25) ₹64.53 ↑ 0.42 (0.66 %) Net Assets (Cr) ₹2,749 on 31 May 25 Category Hybrid - Multi Asset AMC Edelweiss Asset Management Limited Rating ☆ Risk Moderately High Expense Ratio 2.18 Sharpe Ratio 0.43 Information Ratio 1.52 Alpha Ratio 1.91 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹14,789 31 May 22 ₹16,222 31 May 23 ₹18,571 31 May 24 ₹24,288 31 May 25 ₹27,220 Returns for Edelweiss Multi Asset Allocation Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jun 25 Duration Returns 1 Month 3.4% 3 Month 8.1% 6 Month 5.1% 1 Year 9.7% 3 Year 21.5% 5 Year 21.6% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Bhavesh Jain 14 Oct 15 9.64 Yr. Bharat Lahoti 1 Oct 21 3.67 Yr. Rahul Dedhia 1 Jul 24 0.92 Yr. Pranavi Kulkarni 1 Aug 24 0.83 Yr. Data below for Edelweiss Multi Asset Allocation Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 6.26% Equity 75.22% Debt 18.5% Other 0.01% Equity Sector Allocation
Sector Value Financial Services 23.85% Industrials 8.61% Health Care 8.52% Consumer Cyclical 6.25% Basic Materials 5.77% Technology 5.7% Consumer Defensive 3.39% Communication Services 3.25% Utility 3.08% Energy 2.9% Real Estate 0.34% Debt Sector Allocation
Sector Value Government 11.62% Corporate 7.58% Cash Equivalent 5.57% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -7% ₹191 Cr 19,000,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 15 | ICICIBANK7% ₹174 Cr 1,218,819
↑ 154,880 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 15 | HDFCBANK5% ₹135 Cr 699,107 Edelweiss Liquid Dir Gr
Investment Fund | -4% ₹101 Cr 298,946 6.54% Govt Stock 2032
Sovereign Bonds | -3% ₹76 Cr 7,500,000 Hdb Financial Services Ltd.
Debentures | -3% ₹75 Cr 7,500,000 State Bank of India (Financial Services)
Equity, Since 30 Jun 15 | SBIN3% ₹65 Cr 828,301
↑ 213,064 Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Oct 19 | SUNPHARMA2% ₹63 Cr 343,006 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 19 | BHARTIARTL2% ₹62 Cr 333,781 Reliance Industries Ltd (Energy)
Equity, Since 31 Aug 20 | RELIANCE2% ₹59 Cr 416,887
↑ 42,001 7. UTI Hybrid Equity Fund
CAGR/Annualized return of 15.2% since its launch. Ranked 12 in Hybrid Equity category. Return for 2024 was 19.7% , 2023 was 25.5% and 2022 was 5.6% . UTI Hybrid Equity Fund
Growth Launch Date 2 Jan 95 NAV (27 Jun 25) ₹409.361 ↑ 1.12 (0.27 %) Net Assets (Cr) ₹6,254 on 31 May 25 Category Hybrid - Hybrid Equity AMC UTI Asset Management Company Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 1.91 Sharpe Ratio 0.42 Information Ratio 1.58 Alpha Ratio 1.6 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 31 May 20 ₹10,000 31 May 21 ₹15,609 31 May 22 ₹16,910 31 May 23 ₹19,298 31 May 24 ₹25,145 31 May 25 ₹28,056 Returns for UTI Hybrid Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jun 25 Duration Returns 1 Month 1.5% 3 Month 7.4% 6 Month 3.4% 1 Year 7.6% 3 Year 20.7% 5 Year 21.9% 10 Year 15 Year Since launch 15.2% 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 15.69 Yr. Sunil Patil 5 Feb 18 7.32 Yr. Data below for UTI Hybrid Equity Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 2.73% Equity 68.58% Debt 28.68% Equity Sector Allocation
Sector Value Financial Services 23.1% Consumer Cyclical 7.8% Technology 6.07% Energy 5.25% Basic Materials 5.17% Communication Services 4.95% Consumer Defensive 4.92% Industrials 4.74% Health Care 3.99% Utility 1.72% Real Estate 0.87% Debt Sector Allocation
Sector Value Government 22.12% Corporate 6.56% Cash Equivalent 2.73% Credit Quality
Rating Value AA 1.03% AAA 98.97% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 29 Feb 20 | HDFCBANK7% ₹428 Cr 2,223,431 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 10 | ICICIBANK6% ₹345 Cr 2,418,644 6.92% Govt Stock 2039
Sovereign Bonds | -4% ₹261 Cr 2,500,000,000
↑ 1,250,000,000 7.23% Govt Stock 2039
Sovereign Bonds | -4% ₹246 Cr 2,300,000,000 ITC Ltd (Consumer Defensive)
Equity, Since 31 Aug 06 | ITC3% ₹185 Cr 4,343,319 Infosys Ltd (Technology)
Equity, Since 31 Mar 06 | INFY3% ₹176 Cr 1,174,984 7.18% Govt Stock 2037
Sovereign Bonds | -2% ₹151 Cr 1,425,000,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Dec 19 | RELIANCE2% ₹142 Cr 1,013,325
↑ 114,966 7.32% Govt Stock 2030
Sovereign Bonds | -2% ₹127 Cr 1,200,000,000 Vedanta Ltd (Basic Materials)
Equity, Since 30 Apr 24 | 5002952% ₹118 Cr 2,820,574
↓ -103,776
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.
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.
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.”
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.
You Might Also Like
AMFI Registration No. 112358 | CIN: U74999MH2016PTC282153
Shepard Technologies Pvt. Ltd. (with ARN code 112358) makes no warranties or representations, express or implied, on products offered through the platform. It accepts no liability for any damages or losses, however caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable.
©2025 Shepard Technologies Private Limited. All Rights Reserved