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Fincash » Mutual Funds » SIP VS RD

SIP vs RD

Updated on March 25, 2024 , 33445 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. 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.

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 CAGR/Annualized return of 15.5% since its launch.  Ranked 7 in Hybrid Equity category.  Return for 2023 was 28.2% , 2022 was 11.7% and 2021 was 41.7% .

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 (27 Mar 24) ₹334.87 ↑ 1.64   (0.49 %)
Net Assets (Cr) ₹32,429 on 29 Feb 24
Category Hybrid - Hybrid Equity
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 1.78
Sharpe Ratio 3.33
Information Ratio 2.05
Alpha Ratio 9.77
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
28 Feb 19₹10,000
29 Feb 20₹10,380
28 Feb 21₹13,615
28 Feb 22₹17,502
28 Feb 23₹18,941
29 Feb 24₹26,176

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 ₹505,644.
Net Profit of ₹205,644
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 27 Mar 24

DurationReturns
1 Month 1.2%
3 Month 8.6%
6 Month 19.1%
1 Year 42.2%
3 Year 25.8%
5 Year 20.3%
10 Year
15 Year
Since launch 15.5%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2014 45.6%
Fund Manager information for ICICI Prudential Equity and Debt Fund
NameSinceTenure
Sankaran Naren7 Dec 158.24 Yr.
Manish Banthia19 Sep 1310.45 Yr.
Mittul Kalawadia29 Dec 203.17 Yr.
Akhil Kakkar22 Jan 240.11 Yr.
Sri Sharma30 Apr 212.84 Yr.
Sharmila D’mello31 Jul 221.59 Yr.

Data below for ICICI Prudential Equity and Debt Fund as on 29 Feb 24

Asset Allocation
Asset ClassValue
Cash7.26%
Equity74.87%
Debt17.86%
Equity Sector Allocation
SectorValue
Financial Services19.11%
Consumer Cyclical13.04%
Energy8.58%
Utility8.14%
Communication Services6.14%
Health Care4.83%
Technology4.28%
Industrials3.95%
Basic Materials3%
Consumer Defensive2.09%
Real Estate1.74%
Debt Sector Allocation
SectorValue
Government11.46%
Cash Equivalent7.2%
Corporate6.47%
Credit Quality
RatingValue
A4.01%
AA24.76%
AAA69.23%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
NTPC Ltd (Utilities)
Equity, Since 28 Feb 17 | 532555
8%₹2,443 Cr76,932,803
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jul 12 | ICICIBANK
7%₹2,261 Cr21,991,832
↑ 1,000,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 16 | BHARTIARTL
5%₹1,709 Cr14,595,380
↓ -1,974,100
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Jul 21 | MARUTI
4%₹1,304 Cr1,280,135
↑ 132,694
Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 22 | RELIANCE
4%₹1,272 Cr4,459,343
↓ -625,000
7.18% Govt Stock 2033
Sovereign Bonds | -
4%₹1,210 Cr120,666,240
↑ 57,798,630
Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 May 16 | SUNPHARMA
4%₹1,131 Cr7,973,496
Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 30 Apr 17 | 500312
4%₹1,101 Cr43,648,201
↓ -9,109,100
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 21 | HDFCBANK
3%₹1,071 Cr7,322,170
↑ 2,294,799
Infosys Ltd (Technology)
Equity, Since 30 Jun 16 | INFY
3%₹912 Cr5,493,506
↓ -316,000

2. 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

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 CAGR/Annualized return of 16.6% since its launch.  Return for 2023 was 33.7% , 2022 was -4.8% and 2021 was 54.5% .

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 (27 Mar 24) ₹32.52 ↑ 0.03   (0.09 %)
Net Assets (Cr) ₹657 on 29 Feb 24
Category Hybrid - Hybrid Equity
AMC BOI AXA Investment Mngrs Private Ltd
Rating Not Rated
Risk Moderately High
Expense Ratio 2.58
Sharpe Ratio 3.13
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
28 Feb 19₹10,000
29 Feb 20₹10,597
28 Feb 21₹13,621
28 Feb 22₹18,202
28 Feb 23₹18,558
29 Feb 24₹27,100

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 ₹505,644.
Net Profit of ₹205,644
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 27 Mar 24

DurationReturns
1 Month -1.3%
3 Month 5.5%
6 Month 16.5%
1 Year 48.4%
3 Year 24.4%
5 Year 20.4%
10 Year
15 Year
Since launch 16.6%
Historical performance (Yearly) on absolute basis
YearReturns
2023 33.7%
2022 -4.8%
2021 54.5%
2020 31.1%
2019 -4.7%
2018 -14.2%
2017 47.1%
2016
2015
2014
Fund Manager information for BOI AXA Mid and Small Cap Equity and Debt Fund
NameSinceTenure
Alok Singh16 Feb 177.04 Yr.

Data below for BOI AXA Mid and Small Cap Equity and Debt Fund as on 29 Feb 24

Asset Allocation
Asset ClassValue
Cash18.21%
Equity69.61%
Debt12.18%
Equity Sector Allocation
SectorValue
Basic Materials15.02%
Consumer Cyclical12.09%
Financial Services8.69%
Health Care8.63%
Industrials8.35%
Technology4.49%
Energy4.49%
Consumer Defensive3.53%
Communication Services2.18%
Utility2.15%
Debt Sector Allocation
SectorValue
Government12.95%
Corporate10.28%
Cash Equivalent7.16%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Oil India Ltd (Energy)
Equity, Since 31 Mar 23 | OIL
3%₹22 Cr406,000
Jindal Stainless Ltd (Basic Materials)
Equity, Since 30 Sep 21 | JSL
3%₹20 Cr305,000
↓ -55,000
Indus Towers Ltd Ordinary Shares (Communication Services)
Equity, Since 31 Jan 24 | 534816
2%₹16 Cr625,000
Power Grid Corporation Of India Limited
Debentures | -
2%₹15 Cr150,000,000
UNO Minda Ltd (Consumer Cyclical)
Equity, Since 31 Jul 19 | UNOMINDA
2%₹15 Cr220,000
↓ -40,000
JK Cement Ltd (Basic Materials)
Equity, Since 31 Aug 22 | JKCEMENT
2%₹14 Cr31,900
CRISIL Ltd (Financial Services)
Equity, Since 29 Feb 24 | CRISIL
2%₹14 Cr27,000
↑ 27,000
7.26% Govt Stock 2033
Sovereign Bonds | -
2%₹13 Cr1,300,000
Astral Ltd (Industrials)
Equity, Since 30 Jun 17 | ASTRAL
2%₹13 Cr63,000
↓ -9,000
Kotak Mahindra Bank Ltd.
Debentures | -
2%₹13 Cr1,350,000

3. HDFC Balanced Advantage Fund

(Erstwhile HDFC Growth Fund and HDFC Prudence Fund)

Aims to generate long term capital appreciation from a portfolio that is invested predominantly in equity and equity related instruments.

HDFC Balanced Advantage Fund is a Hybrid - Dynamic Allocation fund was launched on 11 Sep 00. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 18.5% since its launch.  Ranked 23 in Dynamic Allocation category.  Return for 2023 was 31.3% , 2022 was 18.8% and 2021 was 26.4% .

Below is the key information for HDFC Balanced Advantage Fund

HDFC Balanced Advantage Fund
Growth
Launch Date 11 Sep 00
NAV (27 Mar 24) ₹449.032 ↑ 0.63   (0.14 %)
Net Assets (Cr) ₹78,759 on 29 Feb 24
Category Hybrid - Dynamic Allocation
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 1.61
Sharpe Ratio 3.45
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
28 Feb 19₹10,000
29 Feb 20₹10,153
28 Feb 21₹13,049
28 Feb 22₹15,096
28 Feb 23₹17,399
29 Feb 24₹24,443

HDFC Balanced Advantage Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047
Invest Now

Returns for HDFC Balanced Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Mar 24

DurationReturns
1 Month -0.6%
3 Month 5.6%
6 Month 17.2%
1 Year 41%
3 Year 24.4%
5 Year 17.8%
10 Year
15 Year
Since launch 18.5%
Historical performance (Yearly) on absolute basis
YearReturns
2023 31.3%
2022 18.8%
2021 26.4%
2020 7.6%
2019 6.9%
2018 -3.1%
2017 27.9%
2016 9.4%
2015 0.3%
2014 51.8%
Fund Manager information for HDFC Balanced Advantage Fund
NameSinceTenure
Anil Bamboli29 Jul 221.59 Yr.
Gopal Agrawal29 Jul 221.59 Yr.
Arun Agarwal6 Oct 221.4 Yr.
Srinivasan Ramamurthy29 Jul 221.59 Yr.
Nirman Morakhia15 Feb 231.04 Yr.
Dhruv Muchhal22 Jun 230.69 Yr.

Data below for HDFC Balanced Advantage Fund as on 29 Feb 24

Asset Allocation
Asset ClassValue
Cash13.72%
Equity60.17%
Debt26.11%
Equity Sector Allocation
SectorValue
Financial Services24.26%
Industrials11.08%
Energy8.75%
Utility6.53%
Technology4.02%
Consumer Cyclical3.83%
Health Care3.64%
Consumer Defensive2.62%
Basic Materials2.1%
Communication Services1.81%
Real Estate1.43%
Debt Sector Allocation
SectorValue
Government18.51%
Cash Equivalent12.88%
Corporate8.44%
Credit Quality
RatingValue
AA1.29%
AAA96.95%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 22 | HDFCBANK
6%₹4,652 Cr31,804,751
↑ 4,610,100
Coal India Ltd (Energy)
Equity, Since 31 Jan 18 | COALINDIA
4%₹3,075 Cr75,700,000
↓ -5,596,900
7.38% Govt Stock 2027
Sovereign Bonds | -
4%₹2,754 Cr272,581,800
NTPC Ltd (Utilities)
Equity, Since 31 Aug 16 | 532555
3%₹2,660 Cr83,774,407
↓ -7,031,771
State Bank of India (Financial Services)
Equity, Since 31 May 07 | SBIN
3%₹2,632 Cr41,092,271
↑ 435,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK
3%₹2,628 Cr25,564,524
↑ 67,200
Infosys Ltd (Technology)
Equity, Since 31 Oct 09 | INFY
3%₹1,988 Cr11,967,098
↑ 60,800
Power Finance Corp Ltd (Financial Services)
Equity, Since 30 Apr 17 | 532810
3%₹1,938 Cr43,712,162
↓ -3,200,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT
3%₹1,933 Cr5,556,183
Reliance Industries Ltd (Energy)
Equity, Since 31 Dec 21 | RELIANCE
2%₹1,904 Cr6,672,683
↑ 334,750

4. 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.

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 CAGR/Annualized return of 21.4% since its launch.  Ranked 53 in Multi Asset category.  Return for 2023 was 24.1% , 2022 was 16.8% and 2021 was 34.7% .

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

ICICI Prudential Multi-Asset Fund
Growth
Launch Date 31 Oct 02
NAV (26 Mar 24) ₹629.974 ↑ 1.04   (0.16 %)
Net Assets (Cr) ₹34,704 on 29 Feb 24
Category Hybrid - Multi Asset
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 1.83
Sharpe Ratio 3.32
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
28 Feb 19₹10,000
29 Feb 20₹10,174
28 Feb 21₹13,283
28 Feb 22₹16,770
28 Feb 23₹18,771
29 Feb 24₹24,536

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 ₹481,656.
Net Profit of ₹181,656
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 27 Mar 24

DurationReturns
1 Month 1.5%
3 Month 6.5%
6 Month 15.1%
1 Year 33.3%
3 Year 24.2%
5 Year 18.8%
10 Year
15 Year
Since launch 21.4%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2014 37%
Fund Manager information for ICICI Prudential Multi-Asset Fund
NameSinceTenure
Sankaran Naren1 Feb 1212.09 Yr.
Manish Banthia22 Jan 240.11 Yr.
Ihab Dalwai3 Jun 176.75 Yr.
Akhil Kakkar22 Jan 240.11 Yr.
Sri Sharma30 Apr 212.84 Yr.
Gaurav Chikane2 Aug 212.58 Yr.
Sharmila D’mello31 Jul 221.59 Yr.

Data below for ICICI Prudential Multi-Asset Fund as on 29 Feb 24

Asset Allocation
Asset ClassValue
Cash21.4%
Equity67.21%
Debt7.65%
Other3.75%
Equity Sector Allocation
SectorValue
Financial Services20.24%
Energy7.52%
Consumer Cyclical7.17%
Utility6.37%
Health Care5.19%
Basic Materials5.15%
Technology4.53%
Industrials3.77%
Consumer Defensive3.21%
Communication Services3.04%
Real Estate1.04%
Debt Sector Allocation
SectorValue
Cash Equivalent21.36%
Government3.99%
Corporate3.71%
Credit Quality
RatingValue
A3.23%
AA5.91%
AAA87.79%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 May 06 | ICICIBANK
6%₹1,968 Cr19,138,381
↑ 400,000
NTPC Ltd (Utilities)
Equity, Since 31 Mar 17 | 532555
5%₹1,699 Cr53,514,163
↓ -2,580,000
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Aug 21 | MARUTI
4%₹1,203 Cr1,180,659
↑ 170,308
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 22 | HDFCBANK
3%₹1,147 Cr7,839,109
↑ 2,440,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Dec 20 | RELIANCE
3%₹964 Cr3,377,758
↓ -165,000
ICICI Pru Gold ETF
- | -
3%₹899 Cr163,912,926
↑ 29,438,871
SBI Cards and Payment Services Ltd Ordinary Shares (Financial Services)
Equity, Since 30 Nov 22 | SBICARD
3%₹859 Cr12,002,998
↑ 2,658,107
Infosys Ltd (Technology)
Equity, Since 31 Oct 19 | INFY
2%₹776 Cr4,674,222
↓ -628,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 16 | BHARTIARTL
2%₹768 Cr6,559,638
↓ -1,282,500
Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 30 Jun 17 | 500312
2%₹754 Cr29,883,399
↓ -8,855,000

5. 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.

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 CAGR/Annualized return of since its launch.  Ranked 71 in Multi Asset category.  Return for 2023 was 25.4% , 2022 was 5.3% and 2021 was 27.1% .

Below is the key information for Edelweiss Multi Asset Allocation Fund

Edelweiss Multi Asset Allocation Fund
Growth
Launch Date 12 Aug 09
NAV (27 Mar 24) ₹53.67 ↑ 0.18   (0.34 %)
Net Assets (Cr) ₹1,353 on 29 Feb 24
Category Hybrid - Multi Asset
AMC Edelweiss Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 2.5
Sharpe Ratio 2.95
Information Ratio 1.72
Alpha Ratio 5.23
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
28 Feb 19₹10,000
29 Feb 20₹10,779
28 Feb 21₹13,104
28 Feb 22₹15,449
28 Feb 23₹16,484
29 Feb 24₹21,970

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 ₹458,689.
Net Profit of ₹158,689
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 27 Mar 24

DurationReturns
1 Month 0%
3 Month 5.4%
6 Month 15%
1 Year 35.7%
3 Year 19.2%
5 Year 16.5%
10 Year
15 Year
Since launch
Historical performance (Yearly) on absolute basis
YearReturns
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%
2014 38.4%
Fund Manager information for Edelweiss Multi Asset Allocation Fund
NameSinceTenure
Dhawal Dalal23 Nov 212.27 Yr.
Bhavesh Jain14 Oct 158.39 Yr.
Bharat Lahoti1 Oct 212.42 Yr.

Data below for Edelweiss Multi Asset Allocation Fund as on 29 Feb 24

Asset Allocation
Asset ClassValue
Cash4.67%
Equity74.12%
Debt21.21%
Other0%
Equity Sector Allocation
SectorValue
Financial Services20.41%
Consumer Cyclical7.86%
Technology6.69%
Health Care6.52%
Industrials6.07%
Energy5.53%
Consumer Defensive5.07%
Basic Materials3.79%
Utility3.56%
Communication Services2.46%
Real Estate1.21%
Debt Sector Allocation
SectorValue
Government17.76%
Cash Equivalent4.54%
Corporate3.56%
Securitized0.02%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.06% Govt Stock 2028
Sovereign Bonds | -
11%₹150 Cr15,000,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 15 | ICICIBANK
5%₹66 Cr628,995
↑ 149,709
Reliance Industries Ltd (Energy)
Equity, Since 31 Aug 20 | RELIANCE
4%₹49 Cr166,486
↑ 43,736
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 15 | HDFCBANK
3%₹39 Cr280,000
↑ 29,255
7.18% Govt Stock 2033
Sovereign Bonds | -
3%₹39 Cr3,850,000
↑ 3,850,000
7.1% Govt Stock 2029
Sovereign Bonds | -
3%₹35 Cr3,500,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 16 | LT
3%₹34 Cr98,194
ITC Ltd (Consumer Defensive)
Equity, Since 30 Sep 16 | ITC
3%₹34 Cr839,944
State Bank of India (Financial Services)
Equity, Since 30 Jun 15 | SBIN
2%₹33 Cr439,145
↑ 95,703
NTPC Ltd (Utilities)
Equity, Since 30 Nov 21 | 532555
2%₹32 Cr960,772
↑ 110,158

6. UTI Hybrid Equity Fund

(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 CAGR/Annualized return of 15.1% since its launch.  Ranked 12 in Hybrid Equity category.  Return for 2023 was 25.5% , 2022 was 5.6% and 2021 was 30.5% .

Below is the key information for UTI Hybrid Equity Fund

UTI Hybrid Equity Fund
Growth
Launch Date 2 Jan 95
NAV (27 Mar 24) ₹341.836 ↑ 1.68   (0.49 %)
Net Assets (Cr) ₹5,243 on 29 Feb 24
Category Hybrid - Hybrid Equity
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately High
Expense Ratio 1.95
Sharpe Ratio 2.73
Information Ratio 1.25
Alpha Ratio 3.63
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.

DateValue
28 Feb 19₹10,000
29 Feb 20₹9,914
28 Feb 21₹12,767
28 Feb 22₹14,971
28 Feb 23₹16,007
29 Feb 24₹21,113

UTI Hybrid Equity 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 Hybrid Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Mar 24

DurationReturns
1 Month 0.2%
3 Month 4.4%
6 Month 13.5%
1 Year 34.8%
3 Year 18.8%
5 Year 15.3%
10 Year
15 Year
Since launch 15.1%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2014 32.8%
Fund Manager information for UTI Hybrid Equity Fund
NameSinceTenure
V Srivatsa24 Sep 0914.44 Yr.
Sunil Patil5 Feb 186.07 Yr.

Data below for UTI Hybrid Equity Fund as on 29 Feb 24

Asset Allocation
Asset ClassValue
Cash3.83%
Equity71.05%
Debt25.12%
Equity Sector Allocation
SectorValue
Financial Services22.38%
Consumer Cyclical10.67%
Technology7.6%
Industrials6.12%
Health Care6.09%
Energy5.56%
Basic Materials4.27%
Consumer Defensive3.35%
Communication Services2.11%
Utility1.99%
Real Estate0.91%
Debt Sector Allocation
SectorValue
Government16.94%
Corporate8.18%
Cash Equivalent3.83%
Credit Quality
RatingValue
AA10.29%
AAA89.71%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 29 Feb 20 | HDFCBANK
7%₹350 Cr2,389,854
↑ 122,838
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 10 | ICICIBANK
5%₹286 Cr2,782,126
Reliance Industries Ltd (Energy)
Equity, Since 31 Dec 19 | RELIANCE
5%₹257 Cr901,799
7.26% Govt Stock 2033
Sovereign Bonds | -
5%₹251 Cr2,500,000,000
7.18% Govt Stock 2037
Sovereign Bonds | -
5%₹249 Cr2,500,000,000
↑ 500,000,000
Infosys Ltd (Technology)
Equity, Since 31 Mar 06 | INFY
4%₹231 Cr1,388,092
↓ -66,830
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Mar 12 | LT
3%₹176 Cr506,149
ITC Ltd (Consumer Defensive)
Equity, Since 31 Aug 06 | ITC
3%₹144 Cr3,254,420
7.41% Govt Stock 2036
Sovereign Bonds | -
2%₹127 Cr1,250,000,000
Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 31 Mar 21 | M&M
2%₹124 Cr748,614

7. Nippon India Equity Hybrid Fund

(Erstwhile Reliance Regular Savings Fund - Balanced Plan)

The primary investment objective of this option is to generate consistent returns and appreciation of capital by investing in mix of securities comprising of Equity, Equity related instruments & fixed income instruments.

Nippon India Equity Hybrid Fund is a Hybrid - Hybrid Equity fund was launched on 8 Jun 05. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 12.4% since its launch.  Ranked 8 in Hybrid Equity category.  Return for 2023 was 24.1% , 2022 was 6.6% and 2021 was 27.8% .

Below is the key information for Nippon India Equity Hybrid Fund

Nippon India Equity Hybrid Fund
Growth
Launch Date 8 Jun 05
NAV (27 Mar 24) ₹90.4518 ↑ 0.39   (0.43 %)
Net Assets (Cr) ₹3,399 on 29 Feb 24
Category Hybrid - Hybrid Equity
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderately High
Expense Ratio 2.06
Sharpe Ratio 3
Information Ratio 1.25
Alpha Ratio 4.97
Min Investment 500
Min SIP Investment 100
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
28 Feb 19₹10,000
29 Feb 20₹9,819
28 Feb 21₹10,807
28 Feb 22₹12,465
28 Feb 23₹13,262
29 Feb 24₹17,483

Nippon India 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 ₹395,578.
Net Profit of ₹95,578
Invest Now

Returns for Nippon India 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 27 Mar 24

DurationReturns
1 Month -0.1%
3 Month 4.4%
6 Month 13.2%
1 Year 34.3%
3 Year 17.3%
5 Year 10.7%
10 Year
15 Year
Since launch 12.4%
Historical performance (Yearly) on absolute basis
YearReturns
2023 24.1%
2022 6.6%
2021 27.8%
2020 -5.3%
2019 3%
2018 -4.9%
2017 29.5%
2016 4.2%
2015 8.7%
2014 43.2%
Fund Manager information for Nippon India Equity Hybrid Fund
NameSinceTenure
Meenakshi Dawar10 Sep 212.47 Yr.
Kinjal Desai25 May 185.77 Yr.
Sushil Budhia1 Feb 204.08 Yr.
Akshay Sharma1 Dec 221.25 Yr.

Data below for Nippon India Equity Hybrid Fund as on 29 Feb 24

Asset Allocation
Asset ClassValue
Cash2.45%
Equity73.4%
Debt23.7%
Other0.44%
Equity Sector Allocation
SectorValue
Financial Services22.4%
Industrials8.98%
Consumer Cyclical8.13%
Health Care7.6%
Technology6.63%
Energy5.63%
Utility3.83%
Consumer Defensive3.8%
Basic Materials2.88%
Communication Services2.57%
Real Estate0.95%
Debt Sector Allocation
SectorValue
Corporate18.18%
Government5.52%
Cash Equivalent2.45%
Credit Quality
RatingValue
A2.59%
AA38.74%
AAA58.66%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 10 | HDFCBANK
5%₹166 Cr1,182,356
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Apr 12 | ICICIBANK
5%₹165 Cr1,570,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 14 | RELIANCE
4%₹147 Cr503,000
↓ -45,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 28 Feb 13 | LT
4%₹123 Cr354,838
↓ -56,000
Infosys Ltd (Technology)
Equity, Since 28 Feb 11 | INFY
4%₹122 Cr730,000
↓ -150,000
Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Oct 11 | SUNPHARMA
3%₹110 Cr700,000
↓ -50,000
Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | 532215
3%₹100 Cr933,200
NTPC Ltd (Utilities)
Equity, Since 31 Aug 20 | 532555
3%₹99 Cr2,950,620
State Bank of India (Financial Services)
Equity, Since 31 Jul 16 | SBIN
2%₹82 Cr1,100,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Dec 19 | BHARTIARTL
2%₹77 Cr685,000

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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