Table of Contents
મ્યુચ્યુઅલ ફંડ વિ FD (ફિક્સ્ડ ડિપોઝિટ)
મ્યુચ્યુઅલ ફંડ વિFD? પૈસા બચાવવાનો વિચાર કરતી વખતે, મોટાભાગના લોકો જે કરવાનું વિચારે છે તે પ્રથમ વસ્તુ છેરોકાણ ફિક્સ્ડ ડિપોઝિટ (FDs) માં. તે સામાન્ય રીતે એટલા માટે છે કારણ કે તે સમજવામાં સરળ છે અને પેઢીઓથી કરવામાં આવે છે. પરંતુ શું તે સૌથી યોગ્ય રોકાણ છે? અને શું તે શ્રેષ્ઠ વળતર આપે છે? અથવા મ્યુચ્યુઅલ ફંડ રોકાણ હેતુને વધુ સારી રીતે પૂર્ણ કરી શકે છે? આ પ્રશ્નોના જવાબો જાણવા માટે, નીચે વાંચો!
FD અથવા ફિક્સ્ડ ડિપોઝિટ
ફિક્સ્ડ ડિપોઝિટ, જેને FD તરીકે પણ ઓળખવામાં આવે છે તે લોકપ્રિય છેબેંક લાંબા ગાળાના અને ટૂંકા ગાળાના રોકાણ માટે યોગ્ય રોકાણ વિકલ્પ. FD વળતર નિશ્ચિત છે કારણ કે FD વ્યાજ દર ભારત સરકાર દ્વારા પૂર્વ-નિર્ધારિત છે. ફિક્સ્ડ ડિપોઝિટ પર જે વ્યાજ દર નક્કી કરવામાં આવી રહ્યા છે, તેની કોઈ અસર નથીફુગાવો આ રોકાણો પર.
ઉપરાંત, FD વળતર રોકાણકારોના હાથમાં કરપાત્ર છે. જો કે, FD રોકાણ હેઠળ કર કપાત માટે જવાબદાર છેકલમ 80C નાઆવક વેરો એક્ટ.
મ્યુચ્યુઅલ ફંડ
મ્યુચ્યુઅલ ફંડ ત્રણ પ્રકારના હોય છે, ડેટ, ઇક્વિટી અને બેલેન્સ્ડમ્યુચ્યુઅલ ફંડ.ડેટ મ્યુચ્યુઅલ ફંડ જેઓ સરકારમાં મોટાભાગની સંપત્તિઓનું રોકાણ કરે છેબોન્ડ, કોર્પોરેટ બોન્ડ અને બાકીના ઇક્વિટી બજારોમાં. તેનાથી વિપરિત, ઇક્વિટી મ્યુચ્યુઅલ ફંડ્સ તેની સંપત્તિના 65% કરતાં વધુ ઇક્વિટી માર્કેટમાં અને બાકીનું સરકારી બોન્ડ, કોર્પોરેટ બોન્ડ અને સિક્યોરિટીઝમાં રોકાણ કરે છે. જ્યારે બેલેન્સ્ડ મ્યુચ્યુઅલ ફંડ્સ એવા છે જે આંશિક રીતે ડેટમાં અને આંશિક રીતે રોકાણ કરે છેઇક્વિટી ફંડ્સ. મ્યુચ્યુઅલ ફંડ એ ફુગાવાને હરાવવાનું સાધન છે, તેથી તે વધુ કર કાર્યક્ષમ છે અને લાંબા ગાળાના રોકાણ પર વધુ સારું વળતર આપે તેવી અપેક્ષા છે.
લાંબા ગાળાનું વધુ સારું રોકાણ કયું છે?
હવે જ્યારે આપણે જાણીએ છીએ કે મ્યુચ્યુઅલ ફંડ અને ફિક્સ્ડ ડિપોઝિટ (એફડી) બંને છેકર બચત રોકાણ, પ્રશ્ન એ ઊભો થાય છે કે - ક્યાં રોકાણ કરવું જોઈએ? જો કે તે એક વ્યક્તિલક્ષી પ્રશ્ન છે અને તેનો જવાબ વ્યક્તિ-વ્યક્તિએ અલગ-અલગ હોઈ શકે છે, નીચે વિવિધ પરિમાણોના આધારે ઉલ્લેખિત સરખામણી છે જે તમને વધુ સારી પસંદગી કરવામાં મદદ કરી શકે છે.
1. મ્યુચ્યુઅલ ફંડ રિટર્ન અને એફડી રિટર્ન
ફિક્સ્ડ ડિપોઝિટ પરનું વળતર પૂર્વ-નિર્દિષ્ટ છે અને સમગ્ર કાર્યકાળ દરમિયાન બદલાતું નથી. જ્યારે મ્યુચ્યુઅલ ફંડ, નાણાકીય સાથે જોડાયેલ છેબજાર, લાંબા ગાળાના રોકાણ પર વધુ સારું વળતર આપે છે.
2. FD વ્યાજ દરો અને મ્યુચ્યુઅલ ફંડ વળતર
FD પર વ્યાજ દર FD ના પ્રકાર અથવા FD ના સમયગાળાના આધારે નક્કી કરવામાં આવે છે, તેથી વ્યક્તિ ફિક્સ્ડ ડિપોઝિટ પર વધુ વ્યાજ દરની અપેક્ષા રાખી શકતી નથી. બીજી તરફ, મ્યુચ્યુઅલ ફંડ્સ પરનું વળતર અલગ-અલગ હોય છે કારણ કે વિવિધ પ્રકારના ફંડ્સ અસ્થિર વળતર આપે છે. જો બજાર ઊંચું જાય તો વળતર વધે છે અને ઊલટું.
3. જોખમી પરિબળો
ફિક્સ્ડ ડિપોઝિટમાં ભાગ્યે જ કોઈ જોખમ ઊભું થાય છે કારણ કે વળતર પૂર્વ-નિર્ધારિત હોય છે. ઉપરાંત, જો બેંકનો પર્દાફાશ થાય છે, તો તમામ બેંક ખાતાઓનો INR 1 લાખ સુધીનો વીમો લેવામાં આવે છે. બીજી બાજુ, મ્યુચ્યુઅલ ફંડ્સ વધુ જોખમ ધરાવે છે કારણ કે તેઓ નાણાકીય બજારમાં તેમની સંપત્તિનું રોકાણ કરે છે. ઇક્વિટી મ્યુચ્યુઅલ ફંડ્સ, તેની મોટાભાગની અસ્કયામતો ઇક્વિટી માર્કેટમાં રોકાણ કરે છે, તે ઘણું વધારે જોખમ ધરાવે છે. જ્યારે ડેટ મ્યુચ્યુઅલ ફંડમાં રોકાણ કરવું ઓછું જોખમી છે, કારણ કે આ ફંડ્સનો બહુ ઓછો હિસ્સો સ્ટોક માર્કેટમાં રોકાણ કરવામાં આવે છે.
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4. ફુગાવાની અસર
વ્યાજ દર પૂર્વ-નિર્ધારિત હોવાથી, ફિક્સ્ડ ડિપોઝિટ પર ફુગાવાની કોઈ અસર નથી. જ્યારે, મ્યુચ્યુઅલ ફંડ્સ માટે, વળતર ફુગાવા-વ્યવસ્થિત હોય છે જે વધુ સારું વળતર મેળવવાની તેની સંભાવનાને વધારે છે.
5. કેપિટલ ગેન્સ
ના છેપાટનગર FD ના કિસ્સામાં શક્ય લાભ. મ્યુચ્યુઅલ ફંડ માટે,મૂડી વધારો હોલ્ડિંગ સમયગાળા પર આધાર રાખે છે. વિવિધ મ્યુચ્યુઅલ ફંડ વિવિધ મૂડી લાભો ઓફર કરે છે.
6. પ્રવાહિતા
ફિક્સ્ડ ડિપોઝિટ છેઇલિક્વિડ, કારણ કે રોકાણ કરેલી રકમ ચોક્કસ સમય માટે લૉક કરવામાં આવે છે. જો તે સમયગાળા પહેલા પૈસા ઉપાડવામાં આવે તો, ચોક્કસ દંડ કાપવામાં આવે છે. જ્યારે મ્યુચ્યુઅલ ફંડ લિક્વિડ હોય છે કારણ કે તે ખૂબ જ કારણ વગર ટૂંકા ગાળામાં વેચી શકાય છેઅવમૂલ્યન ફંડ મૂલ્યમાં. જો કે, કેટલાક મ્યુચ્યુઅલ ફંડ્સ વેચવા પર લાગુ પડતા એક્ઝિટ લોડ પર નજર રાખવી મહત્વપૂર્ણ છે.
7. કરવેરા
ફિક્સ્ડ ડિપોઝિટ પરના વ્યાજ પર વ્યક્તિના ટેક્સ સ્લેબ મુજબ ટેક્સ લાગે છે. બીજી બાજુ,મ્યુચ્યુઅલ ફંડ કરવેરા મોટાભાગે હોલ્ડિંગ સમયગાળા પર આધાર રાખે છે. શોર્ટ ટર્મ કેપિટલ ગેઈન્સ (STCG) અને લોંગ ટર્મ કેપિટલ ગેઈન્સ (LTCG) બંને પર અલગ-અલગ કર લાદવામાં આવે છે.
8. ટેક્સ સેવિંગ એફડીની V/S ઇક્વિટી લિંક્ડ સેવિંગ સ્કીમ્સ (ELSS)
IT એક્ટની કલમ 80c હેઠળ ટેક્સ બચાવવાના હેતુ માટે FDની વિચારણા કરી રહેલા રોકાણકારો માટે. (5 વર્ષ લોકિન)ELSS મ્યુચ્યુઅલ ફંડ્સ સારો વિકલ્પ છે કારણ કે તેમાં 3 વર્ષનો લોક ઇન છે અને ઐતિહાસિક રીતે વધુ સારું વળતર ઓફર કરે છે.
વધુ સારી રોકાણ યોજના કઈ છે?
ચાલો સંક્ષિપ્તમાં જોઈએ:
| પરિમાણ | મ્યુચ્યુઅલ ફંડ | ફિક્સ્ડ ડિપોઝિટ |
|---|---|---|
| વળતરનો દર | કોઈ ખાતરીપૂર્વકનું વળતર નહીં | સ્થિર વળતર |
| ફુગાવો સમાયોજિત વળતર | ઉચ્ચ ફુગાવો સમાયોજિત વળતર માટે સંભવિત | સામાન્ય રીતે ઓછો ફુગાવો સમાયોજિત વળતર |
| જોખમ | મધ્યમથી ઉચ્ચ જોખમ | ઓછું જોખમ |
| પ્રવાહિતા | પ્રવાહી | પ્રવાહી |
| અકાળ ઉપાડ | એક્ઝિટ લોડ/નો લોડ સાથે મંજૂરી | દંડ સાથે મંજૂરી |
| રોકાણની કિંમત | સંચાલન ખર્ચ/ખર્ચ ગુણોત્તર | કોઈ કિંમત નથી |
| કર સ્થિતિ | અનુકૂળ કર સ્થિતિ | ટેક્સ સ્લેબ મુજબ |
2022 માં રોકાણ કરવા માટે શ્રેષ્ઠ મ્યુચ્યુઅલ ફંડ
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2023 (%) Nippon India Small Cap Fund Growth ₹155.682
↑ 4.02 ₹61,974 -10 -13.1 9.9 22.3 30.1 26.1 ICICI Prudential Infrastructure Fund Growth ₹175.8
↑ 2.66 ₹6,911 -7.2 -10.3 14.3 28.6 28 27.4 Motilal Oswal Midcap 30 Fund Growth ₹95.8659
↑ 2.21 ₹26,421 -8.3 -3.5 29.7 28.8 27.7 57.1 SBI Contra Fund Growth ₹357.989
↑ 0.93 ₹42,181 -6.1 -8.4 12.5 21.4 27.4 18.8 ICICI Prudential Technology Fund Growth ₹203.91
↓ -0.84 ₹14,275 -2.2 0 15.6 9.8 27.2 25.4 TATA Digital India Fund Growth ₹51.2971
↑ 1.54 ₹12,963 -0.9 2.8 21 12.5 26.4 30.6 L&T Emerging Businesses Fund Growth ₹76.5648
↑ 2.40 ₹17,386 -10.1 -12 7.4 18.7 26.2 28.5 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Jan 25
*નીચે 7 ની યાદી છેશ્રેષ્ઠ મ્યુચ્યુઅલ ફંડ કરતાં વધુ નેટ અસ્કયામતો/AUM ધરાવતો The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related instruments of small cap companies and the secondary objective is to generate consistent returns by investing in debt and money market securities. Nippon India Small Cap Fund is a Equity - Small Cap fund was launched on 16 Sep 10. It is a fund with Moderately High risk and has given a Below is the key information for Nippon India Small Cap Fund Returns up to 1 year are on To generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure development and balance in debt securities and money market instruments. ICICI Prudential Infrastructure Fund is a Equity - Sectoral fund was launched on 31 Aug 05. It is a fund with High risk and has given a Below is the key information for ICICI Prudential Infrastructure Fund Returns up to 1 year are on (Erstwhile Motilal Oswal MOSt Focused Midcap 30 Fund) The investment objective of the Scheme is to achieve long term capital appreciation by investing in a maximum of 30 quality mid-cap companies having long-term competitive advantages and potential for growth. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved. Motilal Oswal Midcap 30 Fund is a Equity - Mid Cap fund was launched on 24 Feb 14. It is a fund with Moderately High risk and has given a Below is the key information for Motilal Oswal Midcap 30 Fund Returns up to 1 year are on To provide the investors maximum growth opportunity through equity
investments in stocks of growth oriented sectors of the economy. SBI Contra Fund is a Equity - Contra fund was launched on 6 May 05. It is a fund with Moderately High risk and has given a Below is the key information for SBI Contra Fund Returns up to 1 year are on To generate long-term capital appreciation for you from a portfolio made up predominantly of equity and equity-related securities of technology intensive companies. ICICI Prudential Technology Fund is a Equity - Sectoral fund was launched on 3 Mar 00. It is a fund with High risk and has given a Below is the key information for ICICI Prudential Technology Fund Returns up to 1 year are on The investment objective of the scheme is to seek long term capital appreciation by investing atleast 80% of its net assets in equity/equity related instruments of the companies in Information Technology Sector in India.However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved.The Scheme does not assure or guarantee any returns. TATA Digital India Fund is a Equity - Sectoral fund was launched on 28 Dec 15. It is a fund with High risk and has given a Below is the key information for TATA Digital India Fund Returns up to 1 year are on To generate long-term capital appreciation from a diversified portfolio of predominantly equity and equity related securities, including equity derivatives, in the Indian markets with key theme focus being emerging companies (small cap stocks). The Scheme could also additionally invest in Foreign Securities. L&T Emerging Businesses Fund is a Equity - Small Cap fund was launched on 12 May 14. It is a fund with High risk and has given a Below is the key information for L&T Emerging Businesses Fund Returns up to 1 year are on 100 કરોડ. 5 વર્ષ પર સૉર્ટCAGR/વાર્ષિક પરત કરે છે.1. Nippon India Small Cap Fund
CAGR/Annualized return of 21% since its launch. Ranked 6 in Small Cap category. Return for 2024 was 26.1% , 2023 was 48.9% and 2022 was 6.5% . Nippon India Small Cap Fund
Growth Launch Date 16 Sep 10 NAV (29 Jan 25) ₹155.682 ↑ 4.02 (2.65 %) Net Assets (Cr) ₹61,974 on 31 Dec 24 Category Equity - Small Cap AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.55 Sharpe Ratio 1.26 Information Ratio 0.61 Alpha Ratio 3.12 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 Dec 19 ₹10,000 31 Dec 20 ₹12,924 31 Dec 21 ₹22,531 31 Dec 22 ₹24,005 31 Dec 23 ₹35,748 31 Dec 24 ₹45,068 Returns for Nippon India Small Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jan 25 Duration Returns 1 Month -10.8% 3 Month -10% 6 Month -13.1% 1 Year 9.9% 3 Year 22.3% 5 Year 30.1% 10 Year 15 Year Since launch 21% Historical performance (Yearly) on absolute basis
Year Returns 2023 26.1% 2022 48.9% 2021 6.5% 2020 74.3% 2019 29.2% 2018 -2.5% 2017 -16.7% 2016 63% 2015 5.6% 2014 15.1% Fund Manager information for Nippon India Small Cap Fund
Name Since Tenure Samir Rachh 2 Jan 17 8 Yr. Kinjal Desai 25 May 18 6.61 Yr. Data below for Nippon India Small Cap Fund as on 31 Dec 24
Equity Sector Allocation
Sector Value Industrials 26.18% Financial Services 13.18% Basic Materials 12.06% Consumer Cyclical 11.88% Technology 9.71% Consumer Defensive 8.09% Health Care 7.17% Communication Services 1.9% Utility 1.79% Energy 1.7% Real Estate 0.59% Asset Allocation
Asset Class Value Cash 4.95% Equity 95.05% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 22 | HDFCBANK2% ₹1,194 Cr 6,650,000 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 28 Feb 21 | MCX2% ₹1,145 Cr 1,851,010 Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Oct 12 | KIRLOSBROS2% ₹1,020 Cr 4,472,130 Apar Industries Ltd (Industrials)
Equity, Since 31 Mar 17 | APARINDS1% ₹908 Cr 899,271 Tube Investments of India Ltd Ordinary Shares (Industrials)
Equity, Since 30 Apr 18 | TIINDIA1% ₹897 Cr 2,499,222 Dixon Technologies (India) Ltd (Technology)
Equity, Since 30 Nov 18 | DIXON1% ₹810 Cr 512,355 ELANTAS Beck India Ltd (Basic Materials)
Equity, Since 28 Feb 13 | 5001231% ₹794 Cr 614,625 State Bank of India (Financial Services)
Equity, Since 31 Oct 19 | SBIN1% ₹763 Cr 9,100,000 Tejas Networks Ltd (Technology)
Equity, Since 30 Jun 17 | TEJASNET1% ₹761 Cr 5,763,697 Karur Vysya Bank Ltd (Financial Services)
Equity, Since 28 Feb 17 | KARURVYSYA1% ₹752 Cr 31,784,062 2. ICICI Prudential Infrastructure Fund
CAGR/Annualized return of 15.9% since its launch. Ranked 27 in Sectoral category. Return for 2024 was 27.4% , 2023 was 44.6% and 2022 was 28.8% . ICICI Prudential Infrastructure Fund
Growth Launch Date 31 Aug 05 NAV (29 Jan 25) ₹175.8 ↑ 2.66 (1.54 %) Net Assets (Cr) ₹6,911 on 31 Dec 24 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 2.22 Sharpe Ratio 1.41 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 Dec 19 ₹10,000 31 Dec 20 ₹10,360 31 Dec 21 ₹15,547 31 Dec 22 ₹20,030 31 Dec 23 ₹28,959 31 Dec 24 ₹36,885 Returns for ICICI Prudential Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jan 25 Duration Returns 1 Month -5.7% 3 Month -7.2% 6 Month -10.3% 1 Year 14.3% 3 Year 28.6% 5 Year 28% 10 Year 15 Year Since launch 15.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 27.4% 2022 44.6% 2021 28.8% 2020 50.1% 2019 3.6% 2018 2.6% 2017 -14% 2016 40.8% 2015 2% 2014 -3.4% Fund Manager information for ICICI Prudential Infrastructure Fund
Name Since Tenure Ihab Dalwai 3 Jun 17 7.59 Yr. Sharmila D’mello 30 Jun 22 2.51 Yr. Data below for ICICI Prudential Infrastructure Fund as on 31 Dec 24
Equity Sector Allocation
Sector Value Industrials 37.47% Basic Materials 19.27% Financial Services 17.1% Utility 9.83% Energy 7.25% Consumer Cyclical 1.11% Communication Services 0.95% Real Estate 0.86% Asset Allocation
Asset Class Value Cash 4.5% Equity 94.87% Debt 0.63% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 09 | LT9% ₹635 Cr 1,704,683
↓ -45,000 NTPC Ltd (Utilities)
Equity, Since 29 Feb 16 | NTPC4% ₹280 Cr 7,710,775
↑ 1,095,077 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 16 | ICICIBANK4% ₹259 Cr 1,990,000 Shree Cement Ltd (Basic Materials)
Equity, Since 30 Apr 24 | SHREECEM4% ₹249 Cr 95,657 JM Financial Ltd (Financial Services)
Equity, Since 31 Oct 21 | JMFINANCIL3% ₹237 Cr 17,363,241 NCC Ltd (Industrials)
Equity, Since 31 Aug 21 | NCC3% ₹234 Cr 7,547,700
↑ 535,035 InterGlobe Aviation Ltd (Industrials)
Equity, Since 28 Feb 23 | INDIGO3% ₹214 Cr 487,790
↑ 110,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 23 | RELIANCE3% ₹208 Cr 1,609,486
↑ 100,000 Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 May 24 | ADANIPORTS3% ₹207 Cr 1,740,091
↑ 352,447 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 22 | HDFCBANK3% ₹184 Cr 1,025,000
↓ -275,000 3. Motilal Oswal Midcap 30 Fund
CAGR/Annualized return of 23% since its launch. Ranked 27 in Mid Cap category. Return for 2024 was 57.1% , 2023 was 41.7% and 2022 was 10.7% . Motilal Oswal Midcap 30 Fund
Growth Launch Date 24 Feb 14 NAV (29 Jan 25) ₹95.8659 ↑ 2.21 (2.36 %) Net Assets (Cr) ₹26,421 on 31 Dec 24 Category Equity - Mid Cap AMC Motilal Oswal Asset Management Co. Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 0.66 Sharpe Ratio 2.67 Information Ratio 1.32 Alpha Ratio 25.93 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹10,932 31 Dec 21 ₹17,035 31 Dec 22 ₹18,859 31 Dec 23 ₹26,719 31 Dec 24 ₹41,984 Returns for Motilal Oswal Midcap 30 Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jan 25 Duration Returns 1 Month -13.8% 3 Month -8.3% 6 Month -3.5% 1 Year 29.7% 3 Year 28.8% 5 Year 27.7% 10 Year 15 Year Since launch 23% Historical performance (Yearly) on absolute basis
Year Returns 2023 57.1% 2022 41.7% 2021 10.7% 2020 55.8% 2019 9.3% 2018 9.7% 2017 -12.7% 2016 30.8% 2015 5.2% 2014 16.5% Fund Manager information for Motilal Oswal Midcap 30 Fund
Name Since Tenure Ajay Khandelwal 1 Oct 24 0.25 Yr. Niket Shah 1 Jul 20 4.51 Yr. Santosh Singh 1 Oct 24 0.25 Yr. Rakesh Shetty 22 Nov 22 2.11 Yr. Sunil Sawant 1 Jul 24 0.5 Yr. Data below for Motilal Oswal Midcap 30 Fund as on 31 Dec 24
Equity Sector Allocation
Sector Value Consumer Cyclical 37.33% Technology 24.3% Industrials 20.33% Financial Services 6.71% Health Care 3.21% Basic Materials 3.07% Communication Services 2.24% Real Estate 2.2% Asset Allocation
Asset Class Value Cash 0.61% Equity 99.39% Top Securities Holdings / Portfolio
Name Holding Value Quantity Polycab India Ltd (Industrials)
Equity, Since 30 Sep 23 | POLYCAB10% ₹2,281 Cr 3,125,018
↑ 250,018 Coforge Ltd (Technology)
Equity, Since 31 Mar 23 | COFORGE10% ₹2,258 Cr 2,600,000 Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 29 Feb 24 | KALYANKJIL10% ₹2,210 Cr 30,500,000
↑ 1,516,281 Zomato Ltd (Consumer Cyclical)
Equity, Since 30 Apr 23 | 5433209% ₹2,168 Cr 77,500,000
↑ 45,000,000 Persistent Systems Ltd (Technology)
Equity, Since 31 Jan 23 | PERSISTENT8% ₹1,772 Cr 3,000,000 Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 31 Oct 24 | M&M6% ₹1,409 Cr 4,750,000
↑ 944,245 Jio Financial Services Ltd (Financial Services)
Equity, Since 31 Aug 23 | JIOFIN6% ₹1,395 Cr 42,500,000
↓ -7,500,000 Trent Ltd (Consumer Cyclical)
Equity, Since 30 Nov 24 | TRENT5% ₹1,189 Cr 1,749,600
↑ 1,749,600 Bajaj Auto Ltd (Consumer Cyclical)
Equity, Since 31 Oct 24 | BAJAJ-AUTO4% ₹1,016 Cr 1,125,000
↓ -242,958 Voltas Ltd (Industrials)
Equity, Since 31 Oct 17 | VOLTAS4% ₹829 Cr 4,999,745
↓ -255 4. SBI Contra Fund
CAGR/Annualized return of 15% since its launch. Ranked 48 in Contra category. Return for 2024 was 18.8% , 2023 was 38.2% and 2022 was 12.8% . SBI Contra Fund
Growth Launch Date 6 May 05 NAV (28 Jan 25) ₹357.989 ↑ 0.93 (0.26 %) Net Assets (Cr) ₹42,181 on 31 Dec 24 Category Equity - Contra AMC SBI Funds Management Private Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 1.7 Sharpe Ratio 0.95 Information Ratio 1.84 Alpha Ratio 5.15 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹13,060 31 Dec 21 ₹19,580 31 Dec 22 ₹22,078 31 Dec 23 ₹30,516 31 Dec 24 ₹36,253 Returns for SBI Contra Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jan 25 Duration Returns 1 Month -4.8% 3 Month -6.1% 6 Month -8.4% 1 Year 12.5% 3 Year 21.4% 5 Year 27.4% 10 Year 15 Year Since launch 15% Historical performance (Yearly) on absolute basis
Year Returns 2023 18.8% 2022 38.2% 2021 12.8% 2020 49.9% 2019 30.6% 2018 -1% 2017 -14.3% 2016 40.2% 2015 2.4% 2014 -0.1% Fund Manager information for SBI Contra Fund
Name Since Tenure Dinesh Balachandran 7 May 18 6.66 Yr. Pradeep Kesavan 1 Dec 23 1.09 Yr. Data below for SBI Contra Fund as on 31 Dec 24
Equity Sector Allocation
Sector Value Financial Services 20.08% Technology 9.06% Basic Materials 8.51% Energy 7.69% Health Care 7.01% Industrials 6.79% Consumer Cyclical 6.65% Utility 5.22% Consumer Defensive 4.72% Communication Services 4.47% Real Estate 0.52% Asset Allocation
Asset Class Value Cash 18.35% Equity 80.73% Debt 0.92% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 16 | HDFCBANK5% ₹2,285 Cr 12,723,129 Reliance Industries Ltd (Energy)
Equity, Since 31 Mar 23 | RELIANCE4% ₹1,593 Cr 12,328,250
↑ 2,850,000 GAIL (India) Ltd (Utilities)
Equity, Since 28 Feb 21 | GAIL2% ₹1,037 Cr 51,993,788
↑ 10,820,000 Tech Mahindra Ltd (Technology)
Equity, Since 31 Mar 22 | TECHM2% ₹991 Cr 5,786,409 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Mar 24 | KOTAKBANK2% ₹905 Cr 5,128,168 State Bank of India (Financial Services)
Equity, Since 31 Dec 10 | SBIN2% ₹860 Cr 10,254,269 Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 31 Dec 22 | ONGC2% ₹818 Cr 31,885,412
↑ 7,993,750 ITC Ltd (Consumer Defensive)
Equity, Since 31 Jul 20 | ITC2% ₹799 Cr 16,766,741 Tata Steel Ltd (Basic Materials)
Equity, Since 31 Jul 22 | TATASTEEL2% ₹766 Cr 52,995,525 Whirlpool of India Ltd (Consumer Cyclical)
Equity, Since 29 Feb 24 | WHIRLPOOL2% ₹747 Cr 4,040,000 5. ICICI Prudential Technology Fund
CAGR/Annualized return of 12.9% since its launch. Ranked 37 in Sectoral category. Return for 2024 was 25.4% , 2023 was 27.5% and 2022 was -23.2% . ICICI Prudential Technology Fund
Growth Launch Date 3 Mar 00 NAV (28 Jan 25) ₹203.91 ↓ -0.84 (-0.41 %) Net Assets (Cr) ₹14,275 on 31 Dec 24 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk High Expense Ratio 1.96 Sharpe Ratio 0.97 Information Ratio -0.12 Alpha Ratio 1.16 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 Dec 19 ₹10,000 31 Dec 20 ₹17,059 31 Dec 21 ₹29,979 31 Dec 22 ₹23,017 31 Dec 23 ₹29,336 31 Dec 24 ₹36,791 Returns for ICICI Prudential Technology Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jan 25 Duration Returns 1 Month -5.4% 3 Month -2.2% 6 Month 0% 1 Year 15.6% 3 Year 9.8% 5 Year 27.2% 10 Year 15 Year Since launch 12.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 25.4% 2022 27.5% 2021 -23.2% 2020 75.7% 2019 70.6% 2018 2.3% 2017 19.1% 2016 19.8% 2015 -4% 2014 3.9% Fund Manager information for ICICI Prudential Technology Fund
Name Since Tenure Vaibhav Dusad 2 May 20 4.67 Yr. Sharmila D’mello 30 Jun 22 2.51 Yr. Data below for ICICI Prudential Technology Fund as on 31 Dec 24
Equity Sector Allocation
Sector Value Technology 70.32% Communication Services 16.96% Consumer Cyclical 5.26% Industrials 2.8% Consumer Defensive 0.21% Financial Services 0.21% Health Care 0% Asset Allocation
Asset Class Value Cash 2.83% Equity 97.17% Top Securities Holdings / Portfolio
Name Holding Value Quantity Infosys Ltd (Technology)
Equity, Since 30 Apr 08 | INFY22% ₹3,115 Cr 16,768,086
↓ -292,830 Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Sep 19 | TCS12% ₹1,702 Cr 3,984,724 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 20 | BHARTIARTL8% ₹1,163 Cr 7,148,806 LTIMindtree Ltd (Technology)
Equity, Since 31 Jul 16 | LTIM6% ₹808 Cr 1,308,793
↑ 25,609 HCL Technologies Ltd (Technology)
Equity, Since 30 Sep 20 | HCLTECH5% ₹674 Cr 3,649,450
↓ -500,000 Tech Mahindra Ltd (Technology)
Equity, Since 31 Oct 16 | TECHM5% ₹648 Cr 3,785,218
↓ -180,000 Bharti Airtel Ltd (Partly Paid Rs.1.25) (Communication Services)
Equity, Since 31 Oct 21 | 8901574% ₹565 Cr 4,645,340 Zomato Ltd (Consumer Cyclical)
Equity, Since 31 Aug 22 | 5433203% ₹435 Cr 15,558,409
↓ -900,000 Wipro Ltd (Technology)
Equity, Since 30 Sep 19 | WIPRO3% ₹425 Cr 7,361,359
↑ 436,977 Persistent Systems Ltd (Technology)
Equity, Since 31 May 20 | PERSISTENT2% ₹325 Cr 550,394
↓ -26,824 6. TATA Digital India Fund
CAGR/Annualized return of 19.7% since its launch. Return for 2024 was 30.6% , 2023 was 31.9% and 2022 was -23.3% . TATA Digital India Fund
Growth Launch Date 28 Dec 15 NAV (29 Jan 25) ₹51.2971 ↑ 1.54 (3.10 %) Net Assets (Cr) ₹12,963 on 31 Dec 24 Category Equity - Sectoral AMC Tata Asset Management Limited Rating Risk High Expense Ratio 0 Sharpe Ratio 1.21 Information Ratio 0.89 Alpha Ratio 7.66 Min Investment 5,000 Min SIP Investment 150 Exit Load 0-3 Months (0.25%),3 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹15,483 31 Dec 21 ₹27,008 31 Dec 22 ₹20,718 31 Dec 23 ₹27,327 31 Dec 24 ₹35,695 Returns for TATA Digital India Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jan 25 Duration Returns 1 Month -5.3% 3 Month -0.9% 6 Month 2.8% 1 Year 21% 3 Year 12.5% 5 Year 26.4% 10 Year 15 Year Since launch 19.7% Historical performance (Yearly) on absolute basis
Year Returns 2023 30.6% 2022 31.9% 2021 -23.3% 2020 74.4% 2019 54.8% 2018 7.5% 2017 24.9% 2016 19.6% 2015 -6% 2014 Fund Manager information for TATA Digital India Fund
Name Since Tenure Meeta Shetty 9 Mar 21 3.82 Yr. Kapil Malhotra 19 Dec 23 1.04 Yr. Data below for TATA Digital India Fund as on 31 Dec 24
Equity Sector Allocation
Sector Value Technology 75.65% Consumer Cyclical 7.36% Industrials 5.31% Communication Services 4.27% Financial Services 3.51% Asset Allocation
Asset Class Value Cash 3.33% Equity 96.67% Top Securities Holdings / Portfolio
Name Holding Value Quantity Infosys Ltd (Technology)
Equity, Since 31 Jan 16 | INFY17% ₹2,142 Cr 11,530,857 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Jan 16 | TCS12% ₹1,549 Cr 3,626,873
↑ 543,000 Tech Mahindra Ltd (Technology)
Equity, Since 30 Apr 16 | TECHM10% ₹1,224 Cr 7,145,933 Wipro Ltd (Technology)
Equity, Since 31 Jul 18 | WIPRO7% ₹947 Cr 16,393,662 HCL Technologies Ltd (Technology)
Equity, Since 31 Jan 16 | HCLTECH7% ₹921 Cr 4,983,886 Zomato Ltd (Consumer Cyclical)
Equity, Since 31 Oct 22 | 5433206% ₹813 Cr 29,067,000 LTIMindtree Ltd (Technology)
Equity, Since 28 Feb 21 | LTIM5% ₹610 Cr 988,062 Persistent Systems Ltd (Technology)
Equity, Since 31 Jan 16 | PERSISTENT4% ₹448 Cr 759,192 Firstsource Solutions Ltd (Technology)
Equity, Since 30 Nov 21 | FSL3% ₹371 Cr 10,123,112 Sonata Software Ltd (Technology)
Equity, Since 30 Jun 23 | SONATSOFTW3% ₹321 Cr 5,125,514 7. L&T Emerging Businesses Fund
CAGR/Annualized return of 20.9% since its launch. Ranked 2 in Small Cap category. Return for 2024 was 28.5% , 2023 was 46.1% and 2022 was 1% . L&T Emerging Businesses Fund
Growth Launch Date 12 May 14 NAV (29 Jan 25) ₹76.5648 ↑ 2.40 (3.24 %) Net Assets (Cr) ₹17,386 on 31 Dec 24 Category Equity - Small Cap AMC L&T Investment Management Ltd Rating ☆☆☆☆☆ Risk High Expense Ratio 1.73 Sharpe Ratio 1.32 Information Ratio 0.19 Alpha Ratio 3.87 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹11,546 31 Dec 21 ₹20,483 31 Dec 22 ₹20,690 31 Dec 23 ₹30,219 31 Dec 24 ₹38,833 Returns for L&T Emerging Businesses Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jan 25 Duration Returns 1 Month -13.6% 3 Month -10.1% 6 Month -12% 1 Year 7.4% 3 Year 18.7% 5 Year 26.2% 10 Year 15 Year Since launch 20.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 28.5% 2022 46.1% 2021 1% 2020 77.4% 2019 15.5% 2018 -8.1% 2017 -13.7% 2016 66.5% 2015 10.2% 2014 12.3% Fund Manager information for L&T Emerging Businesses Fund
Name Since Tenure Venugopal Manghat 17 Dec 19 5.05 Yr. Cheenu Gupta 1 Oct 23 1.25 Yr. Sonal Gupta 1 Oct 23 1.25 Yr. Data below for L&T Emerging Businesses Fund as on 31 Dec 24
Equity Sector Allocation
Sector Value Industrials 31.33% Consumer Cyclical 15.35% Financial Services 14.41% Basic Materials 12.12% Technology 8.54% Real Estate 5.16% Health Care 3.86% Consumer Defensive 3.52% Energy 1.51% Asset Allocation
Asset Class Value Cash 1.78% Equity 98.22% Top Securities Holdings / Portfolio
Name Holding Value Quantity Apar Industries Ltd (Industrials)
Equity, Since 31 Mar 17 | APARINDS3% ₹458 Cr 455,400
↓ -50,000 Aditya Birla Real Estate Ltd (Basic Materials)
Equity, Since 30 Sep 22 | 5000403% ₹441 Cr 1,607,279 Neuland Laboratories Limited
Equity, Since 31 Jan 24 | -2% ₹410 Cr 281,022 Kirloskar Pneumatic Co Ltd (Industrials)
Equity, Since 31 Aug 22 | 5052832% ₹406 Cr 2,444,924
↑ 127,474 BSE Ltd (Financial Services)
Equity, Since 29 Feb 24 | BSE2% ₹395 Cr 884,500
↑ 108,253 Techno Electric & Engineering Co Ltd (Industrials)
Equity, Since 31 Jan 19 | TECHNOE2% ₹387 Cr 2,473,042 Trent Ltd (Consumer Cyclical)
Equity, Since 31 Jan 17 | 5002512% ₹383 Cr 537,550
↓ -42,850 Brigade Enterprises Ltd (Real Estate)
Equity, Since 31 Jul 19 | 5329292% ₹341 Cr 2,891,084 NCC Ltd (Industrials)
Equity, Since 28 Feb 21 | NCC2% ₹337 Cr 11,291,100 Dixon Technologies (India) Ltd (Technology)
Equity, Since 31 Jul 20 | DIXON2% ₹335 Cr 238,273
નાણાકીય આયોજન તમારા મેનેજ કરવાની ચાવી છેઆવક અને ખર્ચ. તેથી, તમારું શું છેનાણાકીય ધ્યેય? વિશ્લેષણ કરો અને સમજદારીપૂર્વક રોકાણ કરો!
અહીં આપેલી માહિતી સચોટ છે તેની ખાતરી કરવા માટેના તમામ પ્રયાસો કરવામાં આવ્યા છે. જો કે, ડેટાની શુદ્ધતા અંગે કોઈ ગેરંટી આપવામાં આવતી નથી. કોઈપણ રોકાણ કરતા પહેલા કૃપા કરીને સ્કીમ માહિતી દસ્તાવેજ સાથે ચકાસો.
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Great Read. Clarified my doubts.