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ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ನೇರ ಯೋಜನೆ ಎಂದರೇನು?
ನಿಯಮಿತ ಯೋಜನೆ ಎಂದರೇನು?
ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಹೂಡಿಕೆ: ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ನೇರ ಯೋಜನೆ ಉತ್ತಮವೇ ಅಥವಾ ಇಲ್ಲವೇ?
ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಡೈರೆಕ್ಟ್ ಪ್ಲಾನ್‌ಗಿಂತ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ನಿಯಮಿತ ಯೋಜನೆಯನ್ನು ಏಕೆ ಆರಿಸಬೇಕು?
- ಒಂದು ಛತ್ರಿ ಅಡಿಯಲ್ಲಿ ಯೋಜನೆಗಳ ಸಂಖ್ಯೆ
- ಆನ್‌ಲೈನ್ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ನಿಯಮಿತ ಯೋಜನೆ ಹೂಡಿಕೆ
ಟಾಪ್ ಪರ್ಫಾರ್ಮಿಂಗ್ ಡೈರೆಕ್ಟ್ ಇಕ್ವಿಟಿ ಫಂಡ್‌ಗಳು
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ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಡೈರೆಕ್ಟ್ ಪ್ಲಾನ್ ಯಾವಾಗಲೂ ಪ್ರಯೋಜನಕಾರಿಯೇ?

Updated on April 20, 2025 , 4943 views

ಪ್ರತಿ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಯೋಜನೆ ಇದು ಆಸ್ತಿ ನಿರ್ವಹಣೆ ಕಂಪನಿ (AMC) ಆಫರ್‌ಗಳು ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಡೈರೆಕ್ಟ್ ಪ್ಲಾನ್ ಮತ್ತು ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ರೆಗ್ಯುಲರ್ ಪ್ಲಾನ್ ಎಂಬ ಎರಡು ರೂಪಾಂತರಗಳನ್ನು ಹೊಂದಿದೆ. ಅಸೆಟ್ ಅಂಡರ್ ಮ್ಯಾನೇಜ್‌ಮೆಂಟ್ (AUM), ಪೋರ್ಟ್‌ಫೋಲಿಯೊ ಸಂಯೋಜನೆ ಮತ್ತು ಫಂಡ್ ಮ್ಯಾನೇಜರ್‌ಗಳ ವಿಷಯದಲ್ಲಿ ಈ ಎರಡೂ ಯೋಜನೆಗಳು ಒಂದೇ ಆಗಿರುತ್ತವೆ. ಆದಾಗ್ಯೂ, ಕೀಅಂಶ ಈ ಎರಡೂ ಯೋಜನೆಗಳನ್ನು ಪ್ರತ್ಯೇಕಿಸುವ ವೆಚ್ಚ ಅನುಪಾತ; ಸಾಮಾನ್ಯ ಯೋಜನೆಗೆ ಹೋಲಿಸಿದರೆ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಡೈರೆಕ್ಟ್ ಪ್ಲಾನ್‌ನ ವೆಚ್ಚದ ಅನುಪಾತವು ಕಡಿಮೆಯಾಗಿದೆ. ಪರಿಣಾಮವಾಗಿ, ನೇರ ಯೋಜನೆಯ ಲಾಭದ ಶೇಕಡಾವಾರು ಹೆಚ್ಚಾಗಿದೆ. ಆದಾಗ್ಯೂ, ಹೇಳಿದಂತೆ,ನೋಟವು ಅದೇ ರೀತಿಯಲ್ಲಿ ಮೋಸಗೊಳಿಸುವಂತಿದೆ; ಎಂದು ನೀವು ಯೋಚಿಸುತ್ತೀರಾ; ಯಾವಾಗಲೂ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಡೈರೆಕ್ಟ್ ಪ್ಲಾನ್ ಪ್ರಯೋಜನಕಾರಿಯೇ? ಆದ್ದರಿಂದ, ಯಾವ ಯೋಜನೆಯು ನಿಜವಾಗಿಯೂ ಪ್ರಯೋಜನಕಾರಿಯಾಗಿದೆ ಎಂಬುದನ್ನು ಈ ಲೇಖನದ ಮೂಲಕ ನೋಡೋಣ. ಕೆಳಗಿನ ನಮ್ಮ ಉದಾಹರಣೆಯು ನಿಜ ಜೀವನದ ಡೇಟಾ, ವಾಸ್ತವಿಕ ವೆಚ್ಚಗಳು, ವೆಚ್ಚದ ಅನುಪಾತಗಳು ಮತ್ತು ನಿಜವಾದ ಹೂಡಿಕೆಯನ್ನು ಬಳಸುತ್ತಿದೆ. ನಿಯಮಿತ ಯೋಜನೆಗಳು ನೇರಕ್ಕಿಂತ ಉತ್ತಮವೆಂದು ವಿಶ್ಲೇಷಣೆ ತೋರಿಸುತ್ತದೆ, ಆದಾಗ್ಯೂ, ನಾವು ಹೇಳಲು ಬಯಸುವುದು ವೆಚ್ಚದ ಅನುಪಾತದ ವಿಷಯದಲ್ಲಿ ವೆಚ್ಚದಲ್ಲಿನ ವ್ಯತ್ಯಾಸವು ಕಡಿಮೆಯಾದರೂ, ಒಳ್ಳೆಯದುಹಣಕಾಸು ಯೋಜಕ ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ಉತ್ತಮ ಸೇವೆಯನ್ನು ನೀಡುವುದು ಈ ವ್ಯತ್ಯಾಸವನ್ನು ಅರ್ಥಹೀನವಾಗಿ ಕಾಣುವಂತೆ ಮಾಡುತ್ತದೆ. ಹೆಚ್ಚುವರಿಯಾಗಿ, ವರ್ಷಗಳಲ್ಲಿ ಉತ್ತಮ ನಿಧಿಯ ಆಯ್ಕೆಯು ನಿಮಗೆ ಹೆಚ್ಚುವರಿ 0.5 % ಅಥವಾ 1 % p.a ಅನ್ನು ನೀಡುತ್ತದೆ. ನಿಯಮಿತ ಯೋಜನೆಯಲ್ಲಿ ಪಾವತಿಸುವ ಹೆಚ್ಚುವರಿ ವೆಚ್ಚವನ್ನು ಮರೆಮಾಡುತ್ತದೆ.

ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ನೇರ ಯೋಜನೆ ಎಂದರೇನು?

ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಡೈರೆಕ್ಟ್ ಪ್ಲಾನ್ ಅನ್ನು ಮಾರಾಟ ಮಾಡಲಾಗುತ್ತದೆನೋಂದಾಯಿತ ಹೂಡಿಕೆ ಸಲಹೆಗಾರರು (RIAs) ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಕಂಪನಿಯ ಹೊರತಾಗಿ. ಮೊದಲೇ ಹೇಳಿದಂತೆ, ಸಾಮಾನ್ಯ ಯೋಜನೆಗಳಿಗೆ ಹೋಲಿಸಿದರೆ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಡೈರೆಕ್ಟ್ ಪ್ಲಾನ್‌ನ ವೆಚ್ಚದ ಅನುಪಾತವು ಕಡಿಮೆಯಾಗಿದೆ

ಇದರಿಂದಾಗಿ ಈ ನಿಧಿಗಳು ಹೆಚ್ಚಿನ ಲಾಭವನ್ನು ಗಳಿಸಲು ಸಾಧ್ಯವಾಗುತ್ತದೆ, ಅದು ಸ್ವಲ್ಪ ಹೆಚ್ಚಿನದರಿಂದ ಪ್ರತಿಫಲಿಸುತ್ತದೆಅವು ಅಲ್ಲ ನಿಯಮಿತ ಯೋಜನೆಗಳಿಗೆ ಹೋಲಿಸಿದರೆ. ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಡೈರೆಕ್ಟ್ ಪ್ಲಾನ್‌ಗಳಲ್ಲಿ, ಹೂಡಿಕೆದಾರರಿಗೆ AMC ಯಾವುದೇ ಕಮಿಷನ್ ನೀಡುವುದಿಲ್ಲ.

ನಿಯಮಿತ ಯೋಜನೆ ಎಂದರೇನು?

ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ನ ನಿಯಮಿತ ಯೋಜನೆ ಎಂದರೆ ನೀವು ಬ್ರೋಕರ್‌ನಂತಹ ಮಧ್ಯವರ್ತಿಯಿಂದ ಖರೀದಿಸುವ ಸಾಮಾನ್ಯ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಯೋಜನೆ,ಹಣಕಾಸು ಸಲಹೆಗಾರ,ವಿತರಕ ಇತ್ಯಾದಿ. ನಿಯಮಿತ ಯೋಜನೆಯಲ್ಲಿ, ಆಸ್ತಿ ನಿರ್ವಹಣಾ ಕಂಪನಿಯು ಈ ಮಧ್ಯವರ್ತಿಗಳಿಗೆ ತಮ್ಮ ಸ್ಕೀಮ್‌ಗಳನ್ನು ಮಾರಾಟ ಮಾಡಲು ಕಮಿಷನ್ ಅನ್ನು ಪಾವತಿಸುತ್ತದೆ, ಅದನ್ನು ಮತ್ತೆ ಸ್ಕೀಮ್ ನಿರ್ವಹಣೆಗೆ ವೆಚ್ಚವಾಗಿ ಸೇರಿಸಲಾಗುತ್ತದೆ. ಪರಿಣಾಮವಾಗಿ, ಸಾಮಾನ್ಯ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಯೋಜನೆಗಳು ನೇರವಾದವುಗಳಿಗಿಂತ ಸ್ವಲ್ಪ ಹೆಚ್ಚಿನ ವೆಚ್ಚದ ಅನುಪಾತಗಳನ್ನು ಹೊಂದಿವೆ.

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ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಹೂಡಿಕೆ: ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ನೇರ ಯೋಜನೆ ಉತ್ತಮವೇ ಅಥವಾ ಇಲ್ಲವೇ?

ನಾವು ಹೂಡಿಕೆಯ ಬಗ್ಗೆ ಮಾತನಾಡುವಾಗ, ಒಬ್ಬರು ಅದನ್ನು ಅರ್ಥಮಾಡಿಕೊಳ್ಳಬೇಕುರಿಟರ್ನ್ಸ್ ಎಂದರೆ ವೆಚ್ಚದ ಫಲಿತಾಂಶ; ಹೆಚ್ಚಿನ ವೆಚ್ಚವು ಆದಾಯವನ್ನು ಕಡಿಮೆ ಮಾಡುತ್ತದೆ ಮತ್ತು ಪ್ರತಿಯಾಗಿ. ಅಲ್ಲದೆ, ಜನರು ಇದನ್ನು ಅರ್ಥಮಾಡಿಕೊಳ್ಳಬೇಕುಯಾವುದೂ ಉಚಿತವಾಗಿ ಲಭ್ಯವಿಲ್ಲ. ಆದ್ದರಿಂದ, ಈ ಕೆಳಗಿನ ಅಂಶಗಳ ಸಹಾಯದಿಂದ, ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ನೇರ ಯೋಜನೆಗಳಿಗಿಂತ ಸಾಮಾನ್ಯ ಯೋಜನೆಗಳು ಹೇಗೆ ಪ್ರಯೋಜನಕಾರಿಯಾಗುತ್ತವೆ ಎಂಬುದನ್ನು ನಾವು ಅರ್ಥಮಾಡಿಕೊಳ್ಳೋಣ.

ಯಾವಾಗಲೂ ಹಲವಾರು ಜನರುಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿ ಕೆಲವು ಅಥವಾ ಇತರ ಮಧ್ಯವರ್ತಿಗಳ ಮೂಲಕ. ಜನರುಹೂಡಿಕೆ ಆರ್ಐಎಗಳ ಮೂಲಕಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ಅವರಿಗೆ ಶುಲ್ಕವನ್ನು ಪಾವತಿಸಬೇಕಾಗುತ್ತದೆ. ಜನರು ತಮ್ಮ ಮೂಲಕ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ವಹಿವಾಟು ನಡೆಸದಿದ್ದರೂ ಸಹ ಈ ಶುಲ್ಕವನ್ನು ಪಾವತಿಸಬೇಕು, ಇದು ವಾರ್ಷಿಕ ಶುಲ್ಕದಂತಿದೆ. ಈ ಶುಲ್ಕವನ್ನು ಮಾಸಿಕ, ವಾರ್ಷಿಕ, ವಹಿವಾಟು-ಆಧಾರಿತ ಶುಲ್ಕಗಳು ಮತ್ತು ಹೀಗೆ ಪಾವತಿಸಬಹುದು. ಆದ್ದರಿಂದ, ವಿಧಿಸಲಾದ ಈ ಶುಲ್ಕಗಳಿಂದಾಗಿ ಹೂಡಿಕೆದಾರರು ಕಡಿಮೆ ಪ್ರಮಾಣದ ಲಾಭದೊಂದಿಗೆ ಕೊನೆಗೊಳ್ಳಬಹುದು ಏಕೆಂದರೆ ಈ ವೆಚ್ಚಗಳು ಪೈನ ಪಾಲನ್ನು ತಿನ್ನುತ್ತವೆ.ಗಳಿಕೆ.

ಆದ್ದರಿಂದ, ಒಂದು ಉದಾಹರಣೆಯ ಸಹಾಯದಿಂದ ನಾವು ಈ ಪರಿಕಲ್ಪನೆಯನ್ನು ಅರ್ಥಮಾಡಿಕೊಳ್ಳೋಣ:

ವಿವರಣೆ:

ಒಬ್ಬ ವ್ಯಕ್ತಿಯು INR 1,00 ಬಯಸುತ್ತಾನೆ ಎಂದು ಊಹಿಸಿ,000 ರೂಪಾಯಿಗಳಲ್ಲಿಡಿಎಸ್ಪಿ ಬ್ಲ್ಯಾಕ್‌ರಾಕ್ ಅವಕಾಶಗಳ ನಿಧಿ. RIA ಮೂಲಕ ನೇರ ಯೋಜನೆಯಲ್ಲಿ ಅಥವಾ ವಿತರಕರ ಮೂಲಕ ನಿಯಮಿತ ಯೋಜನೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಅವಳು ಆಯ್ಕೆಯಾಗಿದ್ದಾಳೆ. ಈ ಯೋಜನೆಯ ಸರಾಸರಿ ಹಿಂದಿನ ಮೂರು ವರ್ಷಗಳ ಆದಾಯವು 17.90% p.a. ನೇರ ಯೋಜನೆಗಾಗಿ ಮತ್ತು 16.93% p.a. ಸೆಪ್ಟೆಂಬರ್ 13, 2017 ರಂತೆ ನಿಯಮಿತ ಯೋಜನೆಗಾಗಿ. ಇಲ್ಲಿ, ವ್ಯಕ್ತಿ ಎರಡು RIA ಗಳು A ಮತ್ತು B ಮತ್ತು ಹೂಡಿಕೆಗಾಗಿ ಒಂದು ಆನ್‌ಲೈನ್ ಪೋರ್ಟಲ್ ಅನ್ನು ಶಾರ್ಟ್‌ಲಿಸ್ಟ್ ಮಾಡಿದ್ದಾರೆ. RIA A ವಾರ್ಷಿಕ ಶುಲ್ಕ INR 2,000 ಆದರೆ RIA B INR 1,200 ವಾರ್ಷಿಕ ಶುಲ್ಕವನ್ನು ವಿಧಿಸುತ್ತದೆ ಎಂದು ಊಹಿಸಿಕೊಳ್ಳಿ. ವ್ಯಕ್ತಿಗಳು ಈ ಶುಲ್ಕದ ಮೊತ್ತವನ್ನು RIA ಗೆ ಮುಂಗಡವಾಗಿ ಪಾವತಿಸಬೇಕಾಗುತ್ತದೆಆಧಾರ. ಮತ್ತೊಂದೆಡೆ, ಆನ್‌ಲೈನ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ವಿತರಕರು ಯಾವುದೇ ಶುಲ್ಕವನ್ನು ವಿಧಿಸುವುದಿಲ್ಲ. ಆದ್ದರಿಂದ, ಹೂಡಿಕೆದಾರರಿಗೆ ಯಾವ ಹೂಡಿಕೆಯ ಚಾನಲ್ ಉತ್ತಮವಾಗಿದೆ ಎಂಬುದನ್ನು ನಾವು ಲೆಕ್ಕಾಚಾರ ಮಾಡೋಣ ಮತ್ತು ಪರಿಶೀಲಿಸೋಣ.

ಈ ಯೋಜನೆಗಳ ವಿಶ್ಲೇಷಣೆಯನ್ನು ಕೆಳಗಿನ ಕೋಷ್ಟಕದಲ್ಲಿ ತೋರಿಸಲಾಗಿದೆ.

ಡಿಎಸ್ಪಿ ಬ್ಲ್ಯಾಕ್‌ರಾಕ್ ಆಪರ್ಚುನಿಟೀಸ್ ಫಂಡ್	ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ನೇರ ಯೋಜನೆ RIA A	ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ನೇರ ಯೋಜನೆ RIA B	ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ನಿಯಮಿತ ಯೋಜನೆ ವಿತರಕರು
ಆರಂಭಿಕ ಹೂಡಿಕೆಯ ಮೊತ್ತ (ಎ)	1,00,000	1,00,000	1,00,000
ಕಡಿಮೆ: ವರ್ಷ 1 (B) ಗಾಗಿ ವಾರ್ಷಿಕ ಶುಲ್ಕಗಳು	2,000	1,200	0
ವರ್ಷ 1 (C) (A-B) ನಲ್ಲಿ ಶುಲ್ಕದ ನಂತರದ ನಿವ್ವಳ ಮೊತ್ತ	98,000	98,800	1,00,000
ನೇರ ಯೋಜನೆಗೆ ನಿವ್ವಳ ಮೊತ್ತ (ಡಿ) (17.90%)# ಮತ್ತು ನಿಯಮಿತ ಯೋಜನೆಗೆ (16.93%)# ಆದಾಯ	17,542	17,685	16,930
ವರ್ಷ 1 ರ ಕೊನೆಯಲ್ಲಿ ಒಟ್ಟು ಮೊತ್ತ (C+D) (E)	1,15,542	1,16,485	1,16,930
ಕಡಿಮೆ: ವರ್ಷ 2 (ಎಫ್) ಗಾಗಿ ವಾರ್ಷಿಕ ಶುಲ್ಕಗಳು	2,000	1,200	0
ವರ್ಷ 2 (ಜಿ) (ಇ-ಎಫ್) ನಲ್ಲಿ ಶುಲ್ಕದ ನಂತರದ ನಿವ್ವಳ ಮೊತ್ತ	1,13,542	1,15,285	1,16,930
ನೇರ ಯೋಜನೆಗೆ ನಿವ್ವಳ ಮೊತ್ತ (ಡಿ) (17.90%)# ಮತ್ತು ನಿಯಮಿತ ಯೋಜನೆಗೆ (16.93%)# ಆದಾಯ	20,324	20,636	19,797
ವರ್ಷ 2 (I) (G+H) ಕೊನೆಯಲ್ಲಿ ಒಟ್ಟು ಮೊತ್ತ	1,33,866	1,35,921	1,36,727
ಕಡಿಮೆ: ವರ್ಷ 3 (ಜೆ) ಗಾಗಿ ವಾರ್ಷಿಕ ಶುಲ್ಕಗಳು	2,000	1,200	0
ವರ್ಷ 2 (ಕೆ) (I-J) ನಲ್ಲಿ ಶುಲ್ಕದ ನಂತರದ ನಿವ್ವಳ ಮೊತ್ತ	1,31,866	1,34,721	1,36,727
ನೇರ ಯೋಜನೆಗೆ ನಿವ್ವಳ ಮೊತ್ತ (ಡಿ) (17.90%)# ಮತ್ತು ನಿಯಮಿತ ಯೋಜನೆಗೆ (16.93%)# ಆದಾಯ	23,604	24,116	23,148
ವರ್ಷದ ಕೊನೆಯಲ್ಲಿ ಒಟ್ಟು ಮೊತ್ತ 3 (M) (K+L)	1,55,470	1,58,837	1,59,875

#13ನೇ ಸೆಪ್ಟೆಂಬರ್'17 ರಂತೆ.ಹೀಗಾಗಿ, ಮೇಲಿನ ಕೋಷ್ಟಕದಿಂದ ನಾವು ತೀರ್ಮಾನಿಸಬಹುದು; ನೇರ ಯೋಜನೆಗೆ ಹೋಲಿಸಿದರೆ ನಿಯಮಿತ ಯೋಜನೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಮೂಲಕ ಜನರು ಹೆಚ್ಚು ಗಳಿಸಬಹುದು.

ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಡೈರೆಕ್ಟ್ ಪ್ಲಾನ್‌ಗಿಂತ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ನಿಯಮಿತ ಯೋಜನೆಯನ್ನು ಏಕೆ ಆರಿಸಬೇಕು?

ನೇರವಾದವುಗಳಿಗೆ ಹೋಲಿಸಿದರೆ ಜನರು ಸಾಮಾನ್ಯ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಅನ್ನು ಏಕೆ ಆಯ್ಕೆ ಮಾಡಬಹುದು ಎಂಬುದಕ್ಕೆ ಹಲವು ಇತರ ಕಾರಣಗಳಿವೆ. ಅವುಗಳಲ್ಲಿ ಕೆಲವು ಪ್ರತಿ ಫಂಡ್ ಹೌಸ್‌ಗೆ ಪ್ರತ್ಯೇಕ ನೋಂದಣಿ ಪ್ರಕ್ರಿಯೆ, ಪೋರ್ಟ್‌ಫೋಲಿಯೊದ ಸ್ವಯಂ-ಮರುಸಮತೋಲನ, ಯೋಜನೆಗಳ ಸ್ವಯಂ-ವಿಶ್ಲೇಷಣೆ ಇತ್ಯಾದಿಗಳನ್ನು ಒಳಗೊಂಡಿವೆ. ಆದ್ದರಿಂದ, ನೇರ ಯೋಜನೆಗಳಿಗೆ ಹೋಲಿಸಿದರೆ ವಿತರಕರ ಮೂಲಕ ಸಾಮಾನ್ಯ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಅನ್ನು ಆಯ್ಕೆ ಮಾಡುವುದು ಏಕೆ ಪ್ರಯೋಜನಕಾರಿಯಾಗಿದೆ ಎಂದು ನೋಡೋಣ.

ಒಂದು ಛತ್ರಿ ಅಡಿಯಲ್ಲಿ ಯೋಜನೆಗಳ ಸಂಖ್ಯೆ

ನೀವು ಸ್ಕೌಟ್ ಮಾಡಿದ ಮತ್ತು ನಿಮ್ಮ ಹೂಡಿಕೆಯ ಪ್ರೊಫೈಲ್‌ಗೆ ಸೂಕ್ತವಾದ ಐದು ವಿಭಿನ್ನ ನೇರ ಯೋಜನೆಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ನೀವು ನಿರ್ಧರಿಸುತ್ತೀರಿ. ಆದ್ದರಿಂದ, ನೀವು ಆ ಐದು ವಿಭಿನ್ನ ಫಂಡ್ ಹೌಸ್ ವೆಬ್‌ಸೈಟ್‌ಗಳಿಗೆ ಭೇಟಿ ನೀಡಬೇಕು ಮತ್ತು ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಯೋಜನೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬೇಕಾಗುತ್ತದೆ. ನಂತರ ನೀವು ಪ್ರತಿ ಹೂಡಿಕೆಯನ್ನು ಪ್ರತ್ಯೇಕವಾಗಿ ಟ್ರ್ಯಾಕ್ ಮಾಡಬೇಕು ಮತ್ತು ಅವುಗಳ ವಿವರಗಳನ್ನು ಪ್ರತ್ಯೇಕವಾಗಿ ಸಂಗ್ರಹಿಸಬೇಕು. ಕಾಲಾನಂತರದಲ್ಲಿ, ಹೂಡಿಕೆಗಳ ಸಂಖ್ಯೆಯು ಬೆಳೆದಂತೆ, ದಾಖಲೆಗಳು ಮತ್ತು ಜಗಳವನ್ನು ಮಾತ್ರ ಸೇರಿಸುತ್ತವೆ. ಆದ್ದರಿಂದ, ಅಂತಹ ತೊಂದರೆಗಳನ್ನು ತಪ್ಪಿಸಲು, ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ವಿತರಕರ ಮೂಲಕ ಹೂಡಿಕೆ ಮಾಡುವುದು ಸುಲಭವಾಗಿದೆ; ಒಂದು ವೇದಿಕೆಯಲ್ಲಿ ನಿಮ್ಮ ಅವಶ್ಯಕತೆಗಳಿಗೆ ಅನುಗುಣವಾಗಿ ನೀವು ಆಯ್ಕೆಮಾಡಬಹುದಾದ ಹಲವಾರು ಯೋಜನೆಗಳನ್ನು ನೀವು ಕಾಣಬಹುದು.

ಆನ್‌ಲೈನ್ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ನಿಯಮಿತ ಯೋಜನೆ ಹೂಡಿಕೆ

ತಂತ್ರಜ್ಞಾನದ ಪ್ರಗತಿಯೊಂದಿಗೆ, ಜನರು ಹೂಡಿಕೆ ಮಾಡಬಹುದುಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಆನ್‌ಲೈನ್ ಎಲ್ಲಿಂದಲಾದರೂ ಮತ್ತು ಯಾವುದೇ ಸಮಯದಲ್ಲಿ. ಇದಲ್ಲದೆ, ಅವರು ತಮ್ಮ ಅನುಕೂಲಕ್ಕೆ ಅನುಗುಣವಾಗಿ ವಿವಿಧ ಯೋಜನೆಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದು. ಆನ್‌ಲೈನ್ ಮೋಡ್ ಮೂಲಕ, ಜನರು ತಮ್ಮ ಹಣವನ್ನು ಸರಳ ಹಂತಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದು ಮತ್ತು ರಿಡೀಮ್ ಮಾಡಬಹುದು, ವಿವಿಧ ಫಂಡ್ ಹೌಸ್‌ಗಳು ನೀಡುವ ಪ್ರತಿಯೊಂದು ಯೋಜನೆಯ ವಿವರವಾದ ವಿಶ್ಲೇಷಣೆಯನ್ನು ಪರಿಶೀಲಿಸಬಹುದು, ಅವರ ಪೋರ್ಟ್‌ಫೋಲಿಯೊವನ್ನು ಟ್ರ್ಯಾಕ್ ಮಾಡಬಹುದು ಮತ್ತು ಹೀಗೆ.

ಈಗ, ನಾವು ಅಂತ್ಯದ ಕಡೆಗೆ ಸಾಗುತ್ತಿರುವಾಗ, ಒಂದು ಪ್ರಮುಖ ಪ್ರಶ್ನೆಗೆ ಉತ್ತರಿಸೋಣ, ಅಂದರೆ, ಯಾವ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಯೋಜನೆ ಉತ್ತಮವಾಗಿದೆ? ಇದಕ್ಕೆ ಉತ್ತರಿಸಲು, ಸರಿಯಾದ ಸಲಹೆಗಾರರನ್ನು ಆಯ್ಕೆ ಮಾಡುವ ಬದಲು ಇದು ಸರಿಯಾದ ಯೋಜನೆ ಅಲ್ಲ ಎಂದು ಹೇಳಬಹುದು. ಮೇಲಿನ ಉದಾಹರಣೆಯು ನೇರ ಯೋಜನೆಗಳಿಗಿಂತ ನಿಯಮಿತ ಯೋಜನೆಗಳು ಹೆಚ್ಚು ಪ್ರಯೋಜನಕಾರಿಯಾಗಿದೆ ಎಂದು ತೋರಿಸುತ್ತದೆ, ಸರಿಯಾದ ಹಣಕಾಸು ಯೋಜಕರೊಂದಿಗೆ ಪಾಲುದಾರರ ಅಗತ್ಯವಿದೆ ಎಂಬುದು ನಮ್ಮ ಅಭಿಪ್ರಾಯವಾಗಿದೆ. ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ಎಂದು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಲುಹೂಡಿಕೆದಾರ ಪ್ರಯೋಜನಗಳು. ವಿವೇಕಯುತ ಸಲಹೆಗಾರರು ಹೂಡಿಕೆದಾರರಿಗೆ ಪರಿಣಾಮಕಾರಿ ರೀತಿಯಲ್ಲಿ ಮಾರ್ಗದರ್ಶನ ನೀಡುತ್ತಾರೆ ಇದರಿಂದ ಹೂಡಿಕೆದಾರರು ತಮ್ಮ ಹೂಡಿಕೆಯ ಮೇಲೆ ಗರಿಷ್ಠ ಮೊತ್ತವನ್ನು ಗಳಿಸುತ್ತಾರೆ. ಹೆಚ್ಚುವರಿಯಾಗಿ, ಹೂಡಿಕೆಯು ಸಂಪತ್ತು ಸೃಷ್ಟಿಗೆ ದಾರಿ ಮಾಡಿಕೊಡುತ್ತದೆ ಎಂದು ಅವನು / ಅವಳು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳುತ್ತಾರೆ.

ಟಾಪ್ ಪರ್ಫಾರ್ಮಿಂಗ್ ಡೈರೆಕ್ಟ್ ಇಕ್ವಿಟಿ ಫಂಡ್‌ಗಳು

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2023 (%)
Franklin India Opportunities Fund - Direct Growth	₹261.723 ↑ 1.07	₹6,047	1.6	-2.3	15	30.5	34	39.2
Franklin Build India Fund - Direct Growth	₹152.829 ↓ -0.29	₹2,642	2.8	-4.7	7.4	28.8	36.3	29.1
L&T Infrastructure Fund - Direct Growth	₹49.4819 ↑ 0.15	₹1,999	0.1	-9.2	6.7	23.6	32.7	29.4
Franklin India Prima Fund - Direct Growth	₹2,917.46 ↑ 21.12	₹11,443	2.6	-3	17.9	22.8	29.8	32.9
L&T Business Cycles Fund - Direct Growth	₹44.3203 ↑ 0.12	₹967	3.9	-5.4	13.6	22.6	30.2	37.8
Franklin India Smaller Companies Fund - Direct Growth	₹181.882 ↑ 1.64	₹11,970	-1.7	-7.9	4.4	22.3	35.8	24.2
Templeton India Growth Fund - Direct Growth	₹767.922 ↑ 3.04	₹2,079	2.8	-4.1	7.9	20.2	33.4	16.6
UTI Banking Sector Fund - Direct Growth	₹212.717 ↑ 0.79	₹1,211	15.9	8.8	20.5	20.1	26.1	12.3
Franklin India Taxshield - Direct Growth	₹1,583.84 ↑ 3.69	₹6,359	3.3	-2.8	12	19.8	28.7	23.4
Franklin India Prima Plus - Direct Growth	₹1,752.79 ↑ 3.84	₹17,394	4	-2.2	12.4	19.5	29.5	22.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Apr 25

1. Franklin India Opportunities Fund - Direct

The investment objective of Franklin India Opportunities Fund (FIOF) is to generate capital appreciation by capitalizing on the long-term growth opportunities in the Indian economy.

Franklin India Opportunities Fund - Direct is a Equity - Sectoral fund was launched on 1 Jan 13. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 18.2% since its launch. Return for 2024 was 39.2% , 2023 was 54.9% and 2022 was -1.2% .

Below is the key information for Franklin India Opportunities Fund - Direct

Franklin India Opportunities Fund - Direct Growth
Launch Date	1 Jan 13
NAV (22 Apr 25)	₹261.723 ↑ 1.07 (0.41 %)
Net Assets (Cr)	₹6,047 on 31 Mar 25
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	1
Sharpe Ratio	0.53
Information Ratio	1.6
Alpha Ratio	10.21
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 Mar 20	₹10,000
31 Mar 21	₹19,083
31 Mar 22	₹21,476
31 Mar 23	₹23,561
31 Mar 24	₹38,817
31 Mar 25	₹45,250

Franklin India Opportunities Fund - Direct SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹689,048.
Net Profit of ₹389,048 Invest Now

Returns for Franklin India Opportunities Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25

Duration	Returns
1 Month	4.6%
3 Month	1.6%
6 Month	-2.3%
1 Year	15%
3 Year	30.5%
5 Year	34%
10 Year
15 Year
Since launch	18.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	39.2%
2022	54.9%
2021	-1.2%
2020	30.6%
2019	28.7%
2018	6.1%
2017	-9.4%
2016	36.8%
2015	5%
2014	3%

Fund Manager information for Franklin India Opportunities Fund - Direct

Name	Since	Tenure
Kiran Sebastian	7 Feb 22	3.06 Yr.
R. Janakiraman	1 Apr 13	11.92 Yr.
Sandeep Manam	18 Oct 21	3.37 Yr.

Data below for Franklin India Opportunities Fund - Direct as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	19.47%
Financial Services	13.37%
Health Care	11.56%
Communication Services	9.09%
Basic Materials	8.49%
Technology	7.97%
Industrials	6.9%
Energy	4.32%
Consumer Defensive	3.74%
Real Estate	2.22%
Utility	1.37%

Asset Allocation

Asset Class	Value
Cash	8.98%
Equity	91.02%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 May 24 \| HDFCBANK	5%	₹301 Cr	1,735,296 ↑ 676,365
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 22 \| RELIANCE	4%	₹238 Cr	1,987,098
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 24 \| BHARTIARTL	4%	₹211 Cr	1,342,233
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 May 24 \| M&M	3%	₹165 Cr	637,966
Mphasis Ltd (Technology) Equity, Since 30 Nov 24 \| 526299	3%	₹160 Cr	710,533
Lemon Tree Hotels Ltd (Consumer Cyclical) Equity, Since 31 Aug 24 \| LEMONTREE	3%	₹156 Cr	12,833,401
Info Edge (India) Ltd (Communication Services) Equity, Since 31 Jul 24 \| NAUKRI	3%	₹151 Cr	216,138
APL Apollo Tubes Ltd (Basic Materials) Equity, Since 31 Oct 24 \| APLAPOLLO	3%	₹144 Cr	998,385
Zomato Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| 543320	3%	₹142 Cr	6,398,413
CE Info Systems Ltd (Technology) Equity, Since 31 Mar 24 \| 543425	3%	₹139 Cr	835,883 ↑ 76,164

2. Franklin Build India Fund - Direct

The Scheme seeks to achieve capital appreciation by investing in companies engaged directly or indirectly in infrastructure related activities.

Franklin Build India Fund - Direct is a Equity - Sectoral fund was launched on 1 Jan 13. It is a fund with High risk and has given a CAGR/Annualized return of 21.7% since its launch. Return for 2024 was 29.1% , 2023 was 52.7% and 2022 was 12.4% .

Below is the key information for Franklin Build India Fund - Direct

Franklin Build India Fund - Direct Growth
Launch Date	1 Jan 13
NAV (22 Apr 25)	₹152.829 ↓ -0.29 (-0.19 %)
Net Assets (Cr)	₹2,642 on 31 Mar 25
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	Not Rated
Risk	High
Expense Ratio	1.06
Sharpe Ratio	0.14
Information Ratio	0
Alpha Ratio	0
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 Mar 20	₹10,000
31 Mar 21	₹18,231
31 Mar 22	₹23,153
31 Mar 23	₹26,323
31 Mar 24	₹45,545
31 Mar 25	₹49,164

Franklin Build India Fund - Direct SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹738,840.
Net Profit of ₹438,840 Invest Now

Returns for Franklin Build India Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25

Duration	Returns
1 Month	3.7%
3 Month	2.8%
6 Month	-4.7%
1 Year	7.4%
3 Year	28.8%
5 Year	36.3%
10 Year
15 Year
Since launch	21.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	29.1%
2022	52.7%
2021	12.4%
2020	47.4%
2019	6.5%
2018	7.2%
2017	-9.5%
2016	45.1%
2015	9.9%
2014	3.7%

Fund Manager information for Franklin Build India Fund - Direct

Name	Since	Tenure
Ajay Argal	18 Oct 21	3.37 Yr.
Kiran Sebastian	7 Feb 22	3.06 Yr.
Sandeep Manam	18 Oct 21	3.37 Yr.

Data below for Franklin Build India Fund - Direct as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Industrials	35.61%
Utility	12.65%
Financial Services	11.45%
Energy	11.44%
Communication Services	8.02%
Basic Materials	7.35%
Real Estate	3.12%
Consumer Cyclical	2.86%
Technology	1.72%

Asset Allocation

Asset Class	Value
Cash	5.78%
Equity	94.22%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 29 Feb 20 \| LT	9%	₹228 Cr	720,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 12 \| ICICIBANK	6%	₹144 Cr	1,200,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 29 Feb 20 \| INDIGO	6%	₹134 Cr	300,000
NTPC Ltd (Utilities) Equity, Since 30 Nov 16 \| 532555	5%	₹128 Cr	4,125,000 ↑ 195,000
Reliance Industries Ltd (Energy) Equity, Since 31 Oct 21 \| RELIANCE	5%	₹126 Cr	1,050,000
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 30 Jun 19 \| 500312	5%	₹113 Cr	5,000,000 ↑ 500,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 09 \| BHARTIARTL	5%	₹111 Cr	710,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 12 \| 532215	4%	₹91 Cr	900,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 28 Feb 21 \| 532898	4%	₹84 Cr	3,365,000
Tata Power Co Ltd (Utilities) Equity, Since 31 Jan 25 \| 500400	3%	₹68 Cr	2,000,000 ↑ 545,843

3. L&T Infrastructure Fund - Direct

To generate capital appreciation by investing predominantly in equity and equity related instruments of companies in the infrastructure sector.

L&T Infrastructure Fund - Direct is a Equity - Sectoral fund was launched on 1 Jan 13. It is a fund with High risk and has given a CAGR/Annualized return of 17.7% since its launch. Return for 2024 was 29.4% , 2023 was 52.2% and 2022 was 4.2% .

Below is the key information for L&T Infrastructure Fund - Direct

L&T Infrastructure Fund - Direct Growth
Launch Date	1 Jan 13
NAV (22 Apr 25)	₹49.4819 ↑ 0.15 (0.31 %)
Net Assets (Cr)	₹1,999 on 28 Feb 25
Category	Equity - Sectoral
AMC	L&T Investment Management Ltd
Rating	Not Rated
Risk	High
Expense Ratio	1.07
Sharpe Ratio	-0.24
Information Ratio	0.21
Alpha Ratio	6.99
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 Mar 20	₹10,000
31 Mar 21	₹17,554
31 Mar 22	₹23,022
31 Mar 23	₹25,550
31 Mar 24	₹39,910
31 Mar 25	₹43,604

L&T Infrastructure Fund - Direct SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹673,113.
Net Profit of ₹373,113 Invest Now

Returns for L&T Infrastructure Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25

Duration	Returns
1 Month	2.8%
3 Month	0.1%
6 Month	-9.2%
1 Year	6.7%
3 Year	23.6%
5 Year	32.7%
10 Year
15 Year
Since launch	17.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	29.4%
2022	52.2%
2021	4.2%
2020	57.9%
2019	2.9%
2018	-2.1%
2017	-16.4%
2016	62.8%
2015	9.4%
2014	7.5%

Fund Manager information for L&T Infrastructure Fund - Direct

Name	Since	Tenure
Venugopal Manghat	17 Dec 19	5.21 Yr.
Gautam Bhupal	26 Nov 22	2.26 Yr.
Sonal Gupta	26 Nov 22	2.26 Yr.

Data below for L&T Infrastructure Fund - Direct as on 28 Feb 25

Equity Sector Allocation

Sector	Value
Industrials	44.67%
Basic Materials	11.66%
Communication Services	9.29%
Utility	9.14%
Energy	9.05%
Financial Services	4.37%
Technology	3.92%
Real Estate	2.55%
Consumer Cyclical	1.75%

Asset Allocation

Asset Class	Value
Cash	2.53%
Equity	97.47%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
NTPC Ltd (Utilities) Equity, Since 31 Jan 22 \| 532555	9%	₹183 Cr	5,863,600 ↑ 328,100
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 17 \| BHARTIARTL	8%	₹167 Cr	1,066,600 ↑ 25,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Jan 12 \| LT	7%	₹146 Cr	462,900
Bharat Electronics Ltd (Industrials) Equity, Since 30 Sep 15 \| BEL	7%	₹139 Cr	5,654,400
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 20 \| RELIANCE	6%	₹127 Cr	1,057,400 ↑ 84,600
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Oct 19 \| 532538	5%	₹90 Cr	88,900
Aditya Birla Real Estate Ltd (Basic Materials) Equity, Since 31 Jan 18 \| 500040	3%	₹59 Cr	315,600
Dixon Technologies (India) Ltd (Technology) Equity, Since 31 Oct 20 \| DIXON	3%	₹55 Cr	39,310
Power Finance Corp Ltd (Financial Services) Equity, Since 29 Feb 24 \| 532810	3%	₹54 Cr	1,488,800
ABB India Ltd (Industrials) Equity, Since 30 Jun 19 \| ABB	2%	₹44 Cr	90,050

4. Franklin India Prima Fund - Direct

The investment objective of Prima Fund is to provide medium to longterm capital appreciation as a primary objective and income as a secondary objective.

Franklin India Prima Fund - Direct is a Equity - Mid Cap fund was launched on 1 Jan 13. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 19.3% since its launch. Return for 2024 was 32.9% , 2023 was 38% and 2022 was 3% .

Below is the key information for Franklin India Prima Fund - Direct

Franklin India Prima Fund - Direct Growth
Launch Date	1 Jan 13
NAV (22 Apr 25)	₹2,917.46 ↑ 21.12 (0.73 %)
Net Assets (Cr)	₹11,443 on 31 Mar 25
Category	Equity - Mid Cap
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	0.92
Sharpe Ratio	0.54
Information Ratio	0.3
Alpha Ratio	7.93
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 Mar 20	₹10,000
31 Mar 21	₹18,281
31 Mar 22	₹20,956
31 Mar 23	₹21,876
31 Mar 24	₹32,318
31 Mar 25	₹37,807

Franklin India Prima Fund - Direct SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹627,226.
Net Profit of ₹327,226 Invest Now

Returns for Franklin India Prima Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25

Duration	Returns
1 Month	4.1%
3 Month	2.6%
6 Month	-3%
1 Year	17.9%
3 Year	22.8%
5 Year	29.8%
10 Year
15 Year
Since launch	19.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	32.9%
2022	38%
2021	3%
2020	33.7%
2019	18.8%
2018	4.5%
2017	-8.5%
2016	41.1%
2015	9.5%
2014	8.2%

Fund Manager information for Franklin India Prima Fund - Direct

Name	Since	Tenure
R. Janakiraman	1 Feb 11	14.17 Yr.
Sandeep Manam	18 Oct 21	3.45 Yr.
Akhil Kalluri	7 Feb 22	3.15 Yr.

Data below for Franklin India Prima Fund - Direct as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Financial Services	20.42%
Consumer Cyclical	18.35%
Basic Materials	14.61%
Industrials	10.62%
Health Care	10.4%
Technology	7.65%
Real Estate	5.62%
Consumer Defensive	4.21%
Communication Services	2.68%
Utility	1.18%
Energy	0.62%

Asset Allocation

Asset Class	Value
Cash	3.07%
Equity	96.93%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
The Federal Bank Ltd (Financial Services) Equity, Since 30 Jun 20 \| FEDERALBNK	4%	₹390 Cr	21,939,752
Persistent Systems Ltd (Technology) Equity, Since 30 Apr 21 \| PERSISTENT	2%	₹227 Cr	427,652 ↓ -12,338
Ipca Laboratories Ltd (Healthcare) Equity, Since 30 Nov 20 \| 524494	2%	₹222 Cr	1,641,580
APL Apollo Tubes Ltd (Basic Materials) Equity, Since 31 Mar 22 \| APLAPOLLO	2%	₹216 Cr	1,499,891 ↑ 100,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 14 \| HDFCBANK	2%	₹212 Cr	1,223,175
Max Healthcare Institute Ltd Ordinary Shares (Healthcare) Equity, Since 28 Feb 22 \| MAXHEALTH	2%	₹211 Cr	2,153,205
Crompton Greaves Consumer Electricals Ltd (Consumer Cyclical) Equity, Since 31 May 16 \| CROMPTON	2%	₹205 Cr	6,391,052
Coromandel International Ltd (Basic Materials) Equity, Since 31 May 11 \| 506395	2%	₹205 Cr	1,229,856 ↓ -81,372
Deepak Nitrite Ltd (Basic Materials) Equity, Since 31 Jan 21 \| DEEPAKNTR	2%	₹204 Cr	1,100,123
Mphasis Ltd (Technology) Equity, Since 30 Sep 20 \| 526299	2%	₹203 Cr	901,105

5. L&T Business Cycles Fund - Direct

To seek to generate long-term capital appreciation from a diversified portfolio of predominantly equity and equity related securities, including equity derivatives, in the Indian market with focus on riding business cycles through dynamic allocation between various sectors and stocks at different stages of business cycles in the economy

L&T Business Cycles Fund - Direct is a Equity - Sectoral fund was launched on 20 Aug 14. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 15% since its launch. Return for 2024 was 37.8% , 2023 was 32.7% and 2022 was 6.5% .

Below is the key information for L&T Business Cycles Fund - Direct

L&T Business Cycles Fund - Direct Growth
Launch Date	20 Aug 14
NAV (22 Apr 25)	₹44.3203 ↑ 0.12 (0.27 %)
Net Assets (Cr)	₹967 on 31 Mar 25
Category	Equity - Sectoral
AMC	L&T Investment Management Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	1.36
Sharpe Ratio	0.41
Information Ratio	0.93
Alpha Ratio	8.72
Min Investment
Min SIP Investment
Exit Load	0-18 Months (1%),18 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹17,856
31 Mar 22	₹21,538
31 Mar 23	₹22,898
31 Mar 24	₹33,237
31 Mar 25	₹38,132

L&T Business Cycles Fund - Direct SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹642,208.
Net Profit of ₹342,208 Invest Now

Purchase not allowed

Returns for L&T Business Cycles Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25

Duration	Returns
1 Month	5%
3 Month	3.9%
6 Month	-5.4%
1 Year	13.6%
3 Year	22.6%
5 Year	30.2%
10 Year
15 Year
Since launch	15%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	37.8%
2022	32.7%
2021	6.5%
2020	36%
2019	10.4%
2018	6.2%
2017	-16.9%
2016	46.5%
2015	3.8%
2014	4.2%

Fund Manager information for L&T Business Cycles Fund - Direct

Name	Since	Tenure
Venugopal Manghat	20 Aug 14	10.54 Yr.
Gautam Bhupal	1 Jun 23	1.75 Yr.
Sonal Gupta	1 Jun 23	1.75 Yr.

Data below for L&T Business Cycles Fund - Direct as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Financial Services	32.32%
Industrials	26.49%
Consumer Cyclical	15.62%
Basic Materials	12.41%
Energy	7.28%
Technology	1.39%
Real Estate	0.94%

Asset Allocation

Asset Class	Value
Cash	2.29%
Equity	97.71%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Aug 14 \| ICICIBANK	6%	₹51 Cr	425,000
Reliance Industries Ltd (Energy) Equity, Since 31 Aug 18 \| RELIANCE	6%	₹48 Cr	401,700 ↑ 36,300
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 31 Dec 22 \| MCX	6%	₹47 Cr	94,300
Trent Ltd (Consumer Cyclical) Equity, Since 31 Dec 16 \| 500251	5%	₹46 Cr	95,680
HDFC Bank Ltd (Financial Services) Equity, Since 31 Aug 14 \| HDFCBANK	5%	₹43 Cr	246,800 ↑ 53,500
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Aug 14 \| LT	3%	₹26 Cr	81,830
Bharat Electronics Ltd (Industrials) Equity, Since 31 Dec 22 \| BEL	3%	₹25 Cr	1,000,000
Blue Star Ltd (Industrials) Equity, Since 31 Aug 14 \| BLUESTARCO	3%	₹23 Cr	119,800
Power Finance Corp Ltd (Financial Services) Equity, Since 31 Jan 24 \| 532810	3%	₹22 Cr	603,200
PB Fintech Ltd (Financial Services) Equity, Since 31 Dec 23 \| 543390	3%	₹22 Cr	149,200

6. Franklin India Smaller Companies Fund - Direct

The Fund seeks to provide long-term capital appreciation by investing in mid and small cap companies.

Franklin India Smaller Companies Fund - Direct is a Equity - Small Cap fund was launched on 1 Jan 13. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 21.1% since its launch. Return for 2024 was 24.2% , 2023 was 53.5% and 2022 was 4.4% .

Below is the key information for Franklin India Smaller Companies Fund - Direct

Franklin India Smaller Companies Fund - Direct Growth
Launch Date	1 Jan 13
NAV (22 Apr 25)	₹181.882 ↑ 1.64 (0.91 %)
Net Assets (Cr)	₹11,970 on 31 Mar 25
Category	Equity - Small Cap
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	0.91
Sharpe Ratio	-0.03
Information Ratio	0.42
Alpha Ratio	-2.47
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 Mar 20	₹10,000
31 Mar 21	₹20,170
31 Mar 22	₹26,720
31 Mar 23	₹29,275
31 Mar 24	₹45,149
31 Mar 25	₹46,853

Franklin India Smaller Companies Fund - Direct SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹721,906.
Net Profit of ₹421,906 Invest Now

Returns for Franklin India Smaller Companies Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25

Duration	Returns
1 Month	5.5%
3 Month	-1.7%
6 Month	-7.9%
1 Year	4.4%
3 Year	22.3%
5 Year	35.8%
10 Year
15 Year
Since launch	21.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	24.2%
2022	53.5%
2021	4.4%
2020	57.7%
2019	19.7%
2018	-4%
2017	-16.4%
2016	45.3%
2015	11.5%
2014	11.3%

Fund Manager information for Franklin India Smaller Companies Fund - Direct

Name	Since	Tenure
R. Janakiraman	1 Feb 11	14.09 Yr.
Sandeep Manam	18 Oct 21	3.37 Yr.
Akhil Kalluri	8 Sep 22	2.48 Yr.

Data below for Franklin India Smaller Companies Fund - Direct as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Financial Services	19.73%
Industrials	19.62%
Consumer Cyclical	14.7%
Health Care	10.79%
Basic Materials	10.23%
Technology	4.9%
Real Estate	4.7%
Consumer Defensive	3.61%
Utility	2.57%
Energy	0.9%
Communication Services	0.05%

Asset Allocation

Asset Class	Value
Cash	6.86%
Equity	92.96%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Brigade Enterprises Ltd (Real Estate) Equity, Since 30 Jun 14 \| 532929	3%	₹366 Cr	3,868,691
Aster DM Healthcare Ltd Ordinary Shares (Healthcare) Equity, Since 31 Jul 23 \| ASTERDM	3%	₹323 Cr	8,018,630
Karur Vysya Bank Ltd (Financial Services) Equity, Since 31 Oct 12 \| 590003	3%	₹282 Cr	13,998,917 ↓ -156,763
Equitas Small Finance Bank Ltd Ordinary Shares (Financial Services) Equity, Since 31 Oct 20 \| EQUITASBNK	2%	₹273 Cr	48,064,081
Deepak Nitrite Ltd (Basic Materials) Equity, Since 31 Jan 16 \| DEEPAKNTR	2%	₹257 Cr	1,387,967
J.B. Chemicals & Pharmaceuticals Ltd (Healthcare) Equity, Since 30 Jun 14 \| JBCHEPHARM	2%	₹238 Cr	1,448,723
Kalyan Jewellers India Ltd (Consumer Cyclical) Equity, Since 31 May 22 \| KALYANKJIL	2%	₹229 Cr	4,963,469
Zensar Technologies Ltd (Technology) Equity, Since 28 Feb 23 \| ZENSARTECH	2%	₹226 Cr	3,062,700 ↓ -200,000
Crompton Greaves Consumer Electricals Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| CROMPTON	2%	₹222 Cr	6,900,000
Eris Lifesciences Ltd Registered Shs (Healthcare) Equity, Since 30 Sep 19 \| ERIS	2%	₹221 Cr	1,866,828

7. Templeton India Growth Fund - Direct

The Investment Objective of the Scheme is to provide long-term capital growth to its Unitholders.

Templeton India Growth Fund - Direct is a Equity - Value fund was launched on 1 Jan 13. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 15.8% since its launch. Return for 2024 was 16.6% , 2023 was 35.4% and 2022 was 16.6% .

Below is the key information for Templeton India Growth Fund - Direct

Templeton India Growth Fund - Direct Growth
Launch Date	1 Jan 13
NAV (22 Apr 25)	₹767.922 ↑ 3.04 (0.40 %)
Net Assets (Cr)	₹2,079 on 31 Mar 25
Category	Equity - Value
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	0.94
Sharpe Ratio	-0.07
Information Ratio	1.52
Alpha Ratio	-1.6
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 Mar 20	₹10,000
31 Mar 21	₹19,810
31 Mar 22	₹25,253
31 Mar 23	₹28,239
31 Mar 24	₹41,287
31 Mar 25	₹43,293

Templeton India Growth Fund - Direct SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹689,048.
Net Profit of ₹389,048 Invest Now

Returns for Templeton India Growth Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25

Duration	Returns
1 Month	4.4%
3 Month	2.8%
6 Month	-4.1%
1 Year	7.9%
3 Year	20.2%
5 Year	33.4%
10 Year
15 Year
Since launch	15.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	16.6%
2022	35.4%
2021	16.6%
2020	45.8%
2019	12.6%
2018	0.5%
2017	-12.1%
2016	38.7%
2015	10.2%
2014	0.8%

Fund Manager information for Templeton India Growth Fund - Direct

Name	Since	Tenure
Ajay Argal	1 Dec 23	1.25 Yr.
Rajasa Kakulavarapu	6 Sep 21	3.49 Yr.

Data below for Templeton India Growth Fund - Direct as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Financial Services	32.93%
Consumer Cyclical	11.48%
Energy	9.48%
Basic Materials	8.34%
Health Care	7.2%
Technology	6.51%
Utility	5.3%
Consumer Defensive	4.67%
Industrials	3.16%
Communication Services	2.83%

Asset Allocation

Asset Class	Value
Cash	5.1%
Equity	91.9%
Debt	3%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 14 \| HDFCBANK	8%	₹165 Cr	950,000
Reliance Industries Ltd (Energy) Equity, Since 31 Dec 23 \| RELIANCE	6%	₹114 Cr	950,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 20 \| 532215	5%	₹107 Cr	1,050,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jan 10 \| ICICIBANK	5%	₹96 Cr	800,000
Cipla Ltd (Healthcare) Equity, Since 29 Feb 24 \| 500087	4%	₹70 Cr	500,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Jun 24 \| MARUTI	3%	₹68 Cr	57,000
ITC Ltd (Consumer Defensive) Equity, Since 31 Jan 19 \| ITC	3%	₹63 Cr	1,600,000
Brookfield India Real Estate Trust Unlisted bonds \| -	3%	₹59 Cr	1,982,958 ↑ 232,958
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 May 24 \| KOTAKBANK	3%	₹57 Cr	300,000
HCL Technologies Ltd (Technology) Equity, Since 28 Feb 21 \| HCLTECH	3%	₹55 Cr	350,000

8. UTI Banking Sector Fund - Direct

Investment objective is "capital appreciation" through investments in the stocks of the companies/institutions engaged in the banking and financial services activities.

UTI Banking Sector Fund - Direct is a Equity - Sectoral fund was launched on 1 Jan 13. It is a fund with High risk and has given a CAGR/Annualized return of 12.6% since its launch. Return for 2024 was 12.3% , 2023 was 20.8% and 2022 was 16.4% .

Below is the key information for UTI Banking Sector Fund - Direct

UTI Banking Sector Fund - Direct Growth
Launch Date	1 Jan 13
NAV (22 Apr 25)	₹212.717 ↑ 0.79 (0.37 %)
Net Assets (Cr)	₹1,211 on 31 Mar 25
Category	Equity - Sectoral
AMC	UTI Asset Management Company Ltd
Rating	Not Rated
Risk	High
Expense Ratio	1.22
Sharpe Ratio	0.62
Information Ratio	0.52
Alpha Ratio	-5.08
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 Mar 20	₹10,000
31 Mar 21	₹17,581
31 Mar 22	₹19,338
31 Mar 23	₹21,078
31 Mar 24	₹26,979
31 Mar 25	₹31,272

UTI Banking Sector Fund - Direct SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹584,107.
Net Profit of ₹284,107 Invest Now

Returns for UTI Banking Sector Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25

Duration	Returns
1 Month	8%
3 Month	15.9%
6 Month	8.8%
1 Year	20.5%
3 Year	20.1%
5 Year	26.1%
10 Year
15 Year
Since launch	12.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	12.3%
2022	20.8%
2021	16.4%
2020	15.5%
2019	-4.4%
2018	12.7%
2017	-5.8%
2016	45.2%
2015	14.2%
2014	-10.4%

Fund Manager information for UTI Banking Sector Fund - Direct

Name	Since	Tenure
Preethi S	2 May 22	2.92 Yr.

Data below for UTI Banking Sector Fund - Direct as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Financial Services	97.57%
Technology	0.09%

Asset Allocation

Asset Class	Value
Cash	2.35%
Equity	97.65%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 30 Apr 04 \| ICICIBANK	21%	₹250 Cr	1,852,344 ↑ 177,344
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 09 \| HDFCBANK	15%	₹184 Cr	1,005,927
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Nov 19 \| 500034	6%	₹74 Cr	83,257 ↑ 26,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 18 \| 532215	6%	₹74 Cr	670,000
Shriram Finance Ltd (Financial Services) Equity, Since 31 Jan 24 \| SHRIRAMFIN	5%	₹65 Cr	983,680
State Bank of India (Financial Services) Equity, Since 28 Feb 18 \| SBIN	5%	₹58 Cr	750,000
India Shelter Finance Corporation Ltd (Financial Services) Equity, Since 31 Dec 23 \| INDIASHLTR	5%	₹56 Cr	671,973 ↓ -42,644
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 30 Sep 18 \| KOTAKBANK	4%	₹49 Cr	223,946 ↑ 60,000
HDFC Life Insurance Co Ltd (Financial Services) Equity, Since 31 Jul 24 \| HDFCLIFE	4%	₹48 Cr	697,890
Karur Vysya Bank Ltd (Financial Services) Equity, Since 31 Dec 18 \| 590003	3%	₹39 Cr	1,876,541

9. Franklin India Taxshield - Direct

The primary objective for Franklin IndiaTaxshield is to provide medium to long term growth of capital along with income tax rebate

Franklin India Taxshield - Direct is a Equity - ELSS fund was launched on 1 Jan 13. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 16.5% since its launch. Return for 2024 was 23.4% , 2023 was 32.4% and 2022 was 6.3% .

Below is the key information for Franklin India Taxshield - Direct

Franklin India Taxshield - Direct Growth
Launch Date	1 Jan 13
NAV (22 Apr 25)	₹1,583.84 ↑ 3.69 (0.23 %)
Net Assets (Cr)	₹6,359 on 31 Mar 25
Category	Equity - ELSS
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	0.99
Sharpe Ratio	0.24
Information Ratio	1.67
Alpha Ratio	3.11
Min Investment
Min SIP Investment
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹17,956
31 Mar 22	₹21,991
31 Mar 23	₹22,745
31 Mar 24	₹33,260
31 Mar 25	₹36,513

Franklin India Taxshield - Direct SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹612,552.
Net Profit of ₹312,552 Invest Now

Purchase not allowed

Returns for Franklin India Taxshield - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25

Duration	Returns
1 Month	3.7%
3 Month	3.3%
6 Month	-2.8%
1 Year	12%
3 Year	19.8%
5 Year	28.7%
10 Year
15 Year
Since launch	16.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	23.4%
2022	32.4%
2021	6.3%
2020	37.9%
2019	10.8%
2018	6.2%
2017	-2.1%
2016	30.5%
2015	5.8%
2014	5%

Fund Manager information for Franklin India Taxshield - Direct

Name	Since	Tenure
R. Janakiraman	2 May 16	8.84 Yr.
Rajasa Kakulavarapu	1 Dec 23	1.25 Yr.

Data below for Franklin India Taxshield - Direct as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Financial Services	30.86%
Consumer Cyclical	13.13%
Technology	10.95%
Industrials	9.83%
Health Care	6.41%
Communication Services	5.59%
Consumer Defensive	5.31%
Basic Materials	4.65%
Utility	4.03%
Energy	3.03%
Real Estate	1.63%

Asset Allocation

Asset Class	Value
Cash	3.86%
Equity	96.14%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 07 \| HDFCBANK	9%	₹565 Cr	3,260,417
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	9%	₹547 Cr	4,546,914
Infosys Ltd (Technology) Equity, Since 29 Feb 12 \| INFY	5%	₹325 Cr	1,922,741
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 07 \| BHARTIARTL	5%	₹308 Cr	1,963,637 ↓ -250,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Dec 19 \| LT	5%	₹280 Cr	883,853
HCL Technologies Ltd (Technology) Equity, Since 31 Oct 21 \| HCLTECH	4%	₹230 Cr	1,462,587
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 14 \| 532215	4%	₹229 Cr	2,252,948
Zomato Ltd (Consumer Cyclical) Equity, Since 30 Nov 21 \| 543320	3%	₹167 Cr	7,500,000
United Spirits Ltd (Consumer Defensive) Equity, Since 31 Oct 18 \| UNITDSPR	3%	₹164 Cr	1,276,457 ↓ -298,543
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 30 Nov 17 \| KOTAKBANK	3%	₹161 Cr	843,530

10. Franklin India Prima Plus - Direct

The investment objective of Prima Plus is to provide growth of capital plus regular dividend through a diversified portfolio of equities, fixed income securities and money market instruments.

Franklin India Prima Plus - Direct is a Equity - Multi Cap fund was launched on 1 Jan 13. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 17% since its launch. Return for 2024 was 22.7% , 2023 was 31.8% and 2022 was 6.1% .

Below is the key information for Franklin India Prima Plus - Direct

Franklin India Prima Plus - Direct Growth
Launch Date	1 Jan 13
NAV (22 Apr 25)	₹1,752.79 ↑ 3.84 (0.22 %)
Net Assets (Cr)	₹17,394 on 31 Mar 25
Category	Equity - Multi Cap
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	0.97
Sharpe Ratio	0.25
Information Ratio	1.43
Alpha Ratio	3.2
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 Mar 20	₹10,000
31 Mar 21	₹18,629
31 Mar 22	₹23,184
31 Mar 23	₹23,759
31 Mar 24	₹34,558
31 Mar 25	₹37,984

Franklin India Prima Plus - Direct SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹627,226.
Net Profit of ₹327,226 Invest Now

Returns for Franklin India Prima Plus - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25

Duration	Returns
1 Month	3.9%
3 Month	4%
6 Month	-2.2%
1 Year	12.4%
3 Year	19.5%
5 Year	29.5%
10 Year
15 Year
Since launch	17%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	22.7%
2022	31.8%
2021	6.1%
2020	41.3%
2019	16.9%
2018	4.2%
2017	-3.4%
2016	32.1%
2015	6.2%
2014	5.5%

Fund Manager information for Franklin India Prima Plus - Direct

Name	Since	Tenure
R. Janakiraman	1 Feb 11	14.09 Yr.
Sandeep Manam	18 Oct 21	3.37 Yr.
Rajasa Kakulavarapu	1 Dec 23	1.25 Yr.

Data below for Franklin India Prima Plus - Direct as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Financial Services	29.87%
Consumer Cyclical	13.13%
Technology	9.85%
Industrials	9.51%
Health Care	7.44%
Communication Services	6.1%
Consumer Defensive	5.09%
Utility	4.94%
Basic Materials	4.23%
Energy	2.6%
Real Estate	2%

Asset Allocation

Asset Class	Value
Cash	4.44%
Equity	95.56%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jan 11 \| HDFCBANK	9%	₹1,461 Cr	8,434,642
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jan 10 \| ICICIBANK	8%	₹1,313 Cr	10,908,206
Bharti Airtel Ltd (Communication Services) Equity, Since 28 Feb 06 \| BHARTIARTL	5%	₹826 Cr	5,258,607 ↓ -300,000
Infosys Ltd (Technology) Equity, Since 29 Feb 12 \| INFY	5%	₹781 Cr	4,627,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Aug 13 \| LT	4%	₹674 Cr	2,131,779
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 14 \| 532215	4%	₹575 Cr	5,661,448 ↑ 350,000
HCL Technologies Ltd (Technology) Equity, Since 31 Dec 13 \| HCLTECH	3%	₹560 Cr	3,555,589
United Spirits Ltd (Consumer Defensive) Equity, Since 31 Aug 19 \| UNITDSPR	3%	₹443 Cr	3,452,563 ↓ -147,437
Zomato Ltd (Consumer Cyclical) Equity, Since 31 Jul 21 \| 543320	3%	₹428 Cr	19,250,000
Reliance Industries Ltd (Energy) Equity, Since 31 May 22 \| RELIANCE	3%	₹406 Cr	3,384,026

Disclaimer:
ಇಲ್ಲಿ ಒದಗಿಸಲಾದ ಮಾಹಿತಿಯು ನಿಖರವಾಗಿದೆ ಎಂದು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಲು ಎಲ್ಲಾ ಪ್ರಯತ್ನಗಳನ್ನು ಮಾಡಲಾಗಿದೆ. ಆದಾಗ್ಯೂ, ಡೇಟಾದ ನಿಖರತೆಯ ಬಗ್ಗೆ ಯಾವುದೇ ಗ್ಯಾರಂಟಿಗಳನ್ನು ನೀಡಲಾಗುವುದಿಲ್ಲ. ಯಾವುದೇ ಹೂಡಿಕೆ ಮಾಡುವ ಮೊದಲು ದಯವಿಟ್ಟು ಸ್ಕೀಮ್ ಮಾಹಿತಿ ದಾಖಲೆಯೊಂದಿಗೆ ಪರಿಶೀಲಿಸಿ.