Table of Contents
ફિક્સ્ડ ડિપોઝિટ એ લાંબા ગાળાના રોકાણનું સાધન છે જે રોકાણકારોને મદદ કરે છેનાણાં બચાવવા લાંબા ગાળા માટે. રોકાણકારો એક નિશ્ચિત મુદત પસંદ કરી શકે છે જેના માટે ડિપોઝિટ તેની પાસે રાખવામાં આવશેબેંક. સામાન્ય રીતે,FD લાંબા ગાળાની સંપત્તિનું સર્જન કરવા માંગતા લોકો માટે રોકાણ વધુ સારું છે કારણ કે તેઓ બચત ખાતાની તુલનામાં ઊંચા વ્યાજ દરો ઓફર કરે છે.
મોટાભાગની બેંકોમાં FD પર વ્યાજ ત્રિમાસિક ચક્રવૃદ્ધિ કરવામાં આવે છે. આ માટેનું સૂત્ર છે:
A = P * (1+ r/n) ^ n*t , ક્યાં
Investment Amount:₹100,000 Interest Earned:₹28,930.22 Maturity Amount: ₹128,930.22ફિક્સ્ડ ડિપોઝિટ (FD) કેલ્ક્યુલેટર
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અન્ય વ્યક્તિગત કર-બચત અને રોકાણ સાધનોની જેમ, ફિક્સ્ડ ડિપોઝિટ સ્કીમ્સ પણ આકર્ષે છેકર. જો કુલ વ્યાજ રૂ. કરતાં વધી જાય તો FDમાંથી ઉપાર્જિત વળતર પર 10% TDS કાપવામાં આવે છે. 10,000 એક નાણાકીય વર્ષમાં.
ચાલો તેની સાથે સરખામણી કરીએSIP સ્કીમ અને તમે જોઈ શકો છો કે SIP લાંબા ગાળા માટે વધુ ફાયદાકારક છે. ઇક્વિટીમાંથી લાંબા ગાળાના લાભો કરમુક્ત હોવાથી, કોઈપણ SIP જે રોકાણ કરે છેELSS (ઇક્વિટી લિંક્ડમ્યુચ્યુઅલ ફંડ) પણ એક વર્ષ પછી કરમુક્ત છે.
*નીચે છેલ્લા 1 વર્ષની કામગીરી અને ફંડની ઉંમર > 1 વર્ષ પર આધારિત ફંડની યાદી છે.
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2023 (%) Motilal Oswal Midcap 30 Fund Growth ₹104.047
↓ -0.16 ₹20,056 500 3.8 23.6 58.4 31.9 31.6 41.7 LIC MF Infrastructure Fund Growth ₹48.6899
↓ -0.43 ₹786 1,000 -6.1 6.1 54.7 29.5 26.8 44.4 Motilal Oswal Long Term Equity Fund Growth ₹51.4909
↑ 0.10 ₹4,074 500 0.7 14.7 49.9 23.3 22.8 37 SBI PSU Fund Growth ₹30.3771
↓ -0.28 ₹4,471 500 -11 -7.6 48.2 32.6 23.5 54 Canara Robeco Infrastructure Growth ₹152.29
↓ -1.13 ₹848 1,000 -6.8 0.7 47.8 26.1 28 41.2 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 21 Nov 24
*1 વર્ષની કામગીરીના આધારે શ્રેષ્ઠ ભંડોળ.
The investment objective of the scheme is to provide long term growth from a portfolio of equity / equity related instruments of companies engaged either directly or indirectly in the infrastructure sector. LIC MF Infrastructure Fund is a Equity - Sectoral fund was launched on 29 Feb 08. It is a fund with High risk and has given a Below is the key information for LIC MF Infrastructure Fund Returns up to 1 year are on (Erstwhile Motilal Oswal MOSt Focused Long Term Fund) The investment objective of the Scheme is to generate long-term capital appreciation from a diversified portfolio of predominantly equity and equity related instruments. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved. Motilal Oswal Long Term Equity Fund is a Equity - ELSS fund was launched on 21 Jan 15. It is a fund with Moderately High risk and has given a Below is the key information for Motilal Oswal Long Term Equity Fund Returns up to 1 year are on 1. LIC MF Infrastructure Fund
CAGR/Annualized
return of 9.9% since its launch. Return for 2023 was 44.4% , 2022 was 7.9% and 2021 was 46.6% . LIC MF Infrastructure Fund
Growth Launch Date 29 Feb 08 NAV (21 Nov 24) ₹48.6899 ↓ -0.43 (-0.88 %) Net Assets (Cr) ₹786 on 31 Oct 24 Category Equity - Sectoral AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating Risk High Expense Ratio 2.3 Sharpe Ratio 2.93 Information Ratio 1.03 Alpha Ratio 26.1 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 Oct 19 ₹10,000 31 Oct 20 ₹8,857 31 Oct 21 ₹15,041 31 Oct 22 ₹16,473 31 Oct 23 ₹20,435 31 Oct 24 ₹34,608 Returns for LIC MF Infrastructure Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 21 Nov 24 Duration Returns 1 Month -4.1% 3 Month -6.1% 6 Month 6.1% 1 Year 54.7% 3 Year 29.5% 5 Year 26.8% 10 Year 15 Year Since launch 9.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 44.4% 2022 7.9% 2021 46.6% 2020 -0.1% 2019 13.3% 2018 -14.6% 2017 42.2% 2016 -2.2% 2015 -6.2% 2014 49.6% Fund Manager information for LIC MF Infrastructure Fund
Name Since Tenure Yogesh Patil 18 Sep 20 4.12 Yr. Mahesh Bendre 1 Jul 24 0.34 Yr. Data below for LIC MF Infrastructure Fund as on 31 Oct 24
Equity Sector Allocation
Sector Value Industrials 52.08% Basic Materials 11.24% Utility 7.02% Consumer Cyclical 6.98% Financial Services 6.04% Technology 2.96% Real Estate 2.5% Communication Services 2.16% Health Care 1.79% Energy 1.13% Asset Allocation
Asset Class Value Cash 5.23% Equity 94.77% Top Securities Holdings / Portfolio
Name Holding Value Quantity Garware Hi-Tech Films Ltd (Basic Materials)
Equity, Since 31 Aug 23 | 5006554% ₹35 Cr 86,410
↑ 7,043 Shakti Pumps (India) Ltd (Industrials)
Equity, Since 31 Mar 24 | SHAKTIPUMP4% ₹29 Cr 65,192
↑ 702 Schneider Electric Infrastructure Ltd (Industrials)
Equity, Since 31 Dec 23 | SCHNEIDER3% ₹26 Cr 328,026
↑ 3,536 Cummins India Ltd (Industrials)
Equity, Since 31 May 21 | 5004803% ₹23 Cr 66,145
↑ 713 REC Ltd (Financial Services)
Equity, Since 31 Jul 23 | 5329553% ₹23 Cr 432,722
↑ 149,844 Bharat Bijlee Ltd (Industrials)
Equity, Since 31 Jul 22 | BBL3% ₹22 Cr 47,325
↑ 3,206 GE Vernova T&D India Ltd (Industrials)
Equity, Since 31 Jan 24 | 5222753% ₹21 Cr 120,063
↓ -7,340 Tata Power Co Ltd (Utilities)
Equity, Since 29 Feb 24 | 5004003% ₹21 Cr 473,536
↑ 66,616 ISGEC Heavy Engineering Ltd (Industrials)
Equity, Since 31 Jul 24 | 5330333% ₹20 Cr 149,711
↑ 1,614 Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 31 May 24 | 5001033% ₹20 Cr 838,269
↑ 239,812 2. Motilal Oswal Long Term Equity Fund
CAGR/Annualized
return of 18.1% since its launch. Return for 2023 was 37% , 2022 was 1.8% and 2021 was 32.1% . Motilal Oswal Long Term Equity Fund
Growth Launch Date 21 Jan 15 NAV (21 Nov 24) ₹51.4909 ↑ 0.10 (0.19 %) Net Assets (Cr) ₹4,074 on 31 Oct 24 Category Equity - ELSS AMC Motilal Oswal Asset Management Co. Ltd Rating Risk Moderately High Expense Ratio 0.74 Sharpe Ratio 3.58 Information Ratio 1.56 Alpha Ratio 22.87 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹9,099 31 Oct 21 ₹14,648 31 Oct 22 ₹14,723 31 Oct 23 ₹17,301 31 Oct 24 ₹28,444 Returns for Motilal Oswal Long Term Equity Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 21 Nov 24 Duration Returns 1 Month -5.3% 3 Month 0.7% 6 Month 14.7% 1 Year 49.9% 3 Year 23.3% 5 Year 22.8% 10 Year 15 Year Since launch 18.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 37% 2022 1.8% 2021 32.1% 2020 8.8% 2019 13.2% 2018 -8.7% 2017 44% 2016 12.5% 2015 2014 Fund Manager information for Motilal Oswal Long Term Equity Fund
Name Since Tenure Ajay Khandelwal 11 Dec 23 0.89 Yr. Niket Shah 17 Oct 23 1.04 Yr. Santosh Singh 1 Oct 24 0.08 Yr. Rakesh Shetty 22 Nov 22 1.94 Yr. Data below for Motilal Oswal Long Term Equity Fund as on 31 Oct 24
Equity Sector Allocation
Sector Value Industrials 32.36% Consumer Cyclical 25.26% Financial Services 17.45% Technology 7.49% Real Estate 6.96% Health Care 5.64% Basic Materials 4.32% Asset Allocation
Asset Class Value Cash 0.53% Equity 99.47% Top Securities Holdings / Portfolio
Name Holding Value Quantity Trent Ltd (Consumer Cyclical)
Equity, Since 31 Aug 22 | 5002517% ₹303 Cr 425,260 Zomato Ltd (Consumer Cyclical)
Equity, Since 31 Oct 23 | 5433206% ₹259 Cr 10,702,790
↓ -1,075,547 Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 31 Oct 23 | KALYANKJIL5% ₹217 Cr 3,296,932 Inox Wind Ltd (Industrials)
Equity, Since 31 Dec 23 | INOXWIND4% ₹178 Cr 7,946,960 Gujarat Fluorochemicals Ltd Ordinary Shares (Basic Materials)
Equity, Since 28 Feb 23 | FLUOROCHEM4% ₹176 Cr 408,886 Prestige Estates Projects Ltd (Real Estate)
Equity, Since 31 Oct 23 | PRESTIGE4% ₹173 Cr 1,055,205 Kaynes Technology India Ltd (Industrials)
Equity, Since 30 Jun 23 | KAYNES4% ₹162 Cr 297,751 Suzlon Energy Ltd (Industrials)
Equity, Since 31 Jan 24 | SUZLON4% ₹161 Cr 24,068,813 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 29 Feb 24 | MCX4% ₹153 Cr 235,083 Apar Industries Ltd (Industrials)
Equity, Since 31 Dec 23 | APARINDS4% ₹149 Cr 148,305