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ನ್ಯೂಜಿಲೆಂಡ್‌ನಲ್ಲಿ ವಾಸಿಸುವ ಎನ್‌ಆರ್‌ಐಗಳಿಗೆ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಹೂಡಿಕೆ
ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ನ್ಯೂಜಿಲೆಂಡ್ ಎನ್‌ಆರ್‌ಐಗಳಿಗೆ KYC ಕಾರ್ಯವಿಧಾನ
ಅನಿವಾಸಿ ಭಾರತೀಯ (NRI) ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ತೆರಿಗೆ
- ಲಾಭಾಂಶದ ಮೇಲೆ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ತೆರಿಗೆ
ನ್ಯೂಜಿಲೆಂಡ್ NRI ಗಳಿಗೆ ಅತ್ಯುತ್ತಮ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು
ಆನ್‌ಲೈನ್‌ನಲ್ಲಿ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಹೇಗೆ?
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ಭಾರತದಲ್ಲಿ ನ್ಯೂಜಿಲೆಂಡ್-ಆಧಾರಿತ NRI ಹೂಡಿಕೆಗಾಗಿ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು

Updated on November 3, 2024 , 2726 views

ನ್ಯೂಜಿಲೆಂಡ್‌ನಲ್ಲಿ ವಾಸಿಸುವ ಎನ್‌ಆರ್‌ಐಗಳು ತಮ್ಮ ಹೂಡಿಕೆ ಉದ್ದೇಶಗಳ ಪ್ರಕಾರ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಯೋಜನೆಗಳ ಹೋಸ್ಟ್‌ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದು. ಅಲ್ಲದೆ, ಹೂಡಿಕೆ ಪೋರ್ಟ್‌ಫೋಲಿಯೊವನ್ನು ವೈವಿಧ್ಯಗೊಳಿಸಲು ಮತ್ತು ಸಮಯಕ್ಕೆ ಸೂಕ್ತವಾದ ಆದಾಯವನ್ನು ಗಳಿಸಲು ಬಯಸುವವರು,ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ಪರಿಗಣಿಸಲು ಉತ್ತಮ ಆಯ್ಕೆಯಾಗಿದೆ.

ನ್ಯೂಜಿಲೆಂಡ್‌ನಲ್ಲಿ ವಾಸಿಸುತ್ತಿರುವ ಅನಿವಾಸಿ ಭಾರತೀಯರು (NRIಗಳು) ಬೆಳೆಯುತ್ತಿರುವ ಮನೆಯಿಂದ ಪ್ರಯೋಜನ ಪಡೆಯಬಹುದುಆರ್ಥಿಕತೆ ಮೂಲಕಹೂಡಿಕೆ ಭಾರತದಲ್ಲಿನ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ. ಭಾರತವು ವಿಶ್ವದ ಆರನೇ ಅತಿದೊಡ್ಡ ಆರ್ಥಿಕತೆ ಎಂದು ಘೋಷಿಸಲ್ಪಟ್ಟ ಸಮಯದಿಂದ, ಇದು ಅನೇಕ NRI ಹೂಡಿಕೆದಾರರ ಗಮನವನ್ನು ಸೆಳೆಯಿತು.

ಸಾಂಪ್ರದಾಯಿಕವಾಗಿ, ಅನಿವಾಸಿ ಭಾರತೀಯರು ಭಾರತದಲ್ಲಿ ರಿಯಲ್ ಎಸ್ಟೇಟ್‌ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಹೆಚ್ಚು ಆರಾಮದಾಯಕವಾಗಿದ್ದಾರೆ. ಆದರೆ, ಭಾರತದ ಬೆಳೆಯುತ್ತಿರುವ ಆರ್ಥಿಕತೆಯು ಅವರಿಗೆ ವಿಶೇಷವಾಗಿ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಿಗೆ ಹೂಡಿಕೆಯ ಆಯ್ಕೆಗಳನ್ನು ವಿಸ್ತರಿಸಿದೆ.

ಎನ್‌ಆರ್‌ಐಗಳು ಹೆಚ್ಚಾಗಿ ಎರಡು ಪ್ರಮುಖ ಕಾರಣಗಳಿಗಾಗಿ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಬಯಸುತ್ತಾರೆ- ಒಂದು ಅವರು ಷೇರುಗಳಲ್ಲಿ ಪರೋಕ್ಷವಾಗಿ ಷೇರುಗಳಲ್ಲಿ ಭಾಗವಹಿಸಬಹುದು ಮತ್ತು ಇನ್ನೊಂದು ಅವರು ಅದಕ್ಕಿಂತ ಹೆಚ್ಚಿನ ಆದಾಯವನ್ನು ಗಳಿಸಬಹುದುಬ್ಯಾಂಕ್ ಸಾಲ ನಿಧಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಮೂಲಕ ಅಲ್ಪಾವಧಿಗೆ ಉಳಿತಾಯ ಖಾತೆಗಳು. ಪೋರ್ಟ್‌ಫೋಲಿಯೊ ವೈವಿಧ್ಯೀಕರಣಕ್ಕೆ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು ಉತ್ತಮ ಆಯ್ಕೆಯಾಗಿದೆ. MFಗಳು ಬಹು ಭದ್ರತೆಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದರಿಂದ ಇದು ಅಪಾಯವನ್ನು ವೈವಿಧ್ಯಗೊಳಿಸುತ್ತದೆ.

ನ್ಯೂಜಿಲೆಂಡ್‌ನಲ್ಲಿ ವಾಸಿಸುವ ಎನ್‌ಆರ್‌ಐಗಳಿಗೆ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಹೂಡಿಕೆ

ಗೆಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿ ಭಾರತದಲ್ಲಿ ಒಬ್ಬರು ಭಾರತೀಯ ಬ್ಯಾಂಕ್‌ನೊಂದಿಗೆ ಕೆಳಗಿನ ಯಾವುದೇ ಖಾತೆಗಳನ್ನು ತೆರೆಯಬೇಕು:

NRE ಖಾತೆ

ಇದು ಅನಿವಾಸಿ ಬಾಹ್ಯ (NRE) ಖಾತೆಯಾಗಿದ್ದು ಅದು ಉಳಿತಾಯ, ಪ್ರಸ್ತುತ, ಸ್ಥಿರ ಅಥವಾಮರುಕಳಿಸುವ ಠೇವಣಿ. ಈ ಖಾತೆಯಲ್ಲಿ ನೀವು ವಿದೇಶಿ ಕರೆನ್ಸಿಯನ್ನು ಠೇವಣಿ ಮಾಡಬೇಕಾಗುತ್ತದೆ. ಭಾರತೀಯ ಕರೆನ್ಸಿಯನ್ನು ಠೇವಣಿ ಮಾಡಲು, ನೀವು NRO ಖಾತೆಯನ್ನು ತೆರೆಯಬೇಕು. NRE ಖಾತೆಯಲ್ಲಿನ ವಹಿವಾಟಿನ ಮೊತ್ತಕ್ಕೆ ಯಾವುದೇ ಹೆಚ್ಚಿನ ಮಿತಿಯಿಲ್ಲ.

NRO ಖಾತೆ

NRO ಅಥವಾ ಅನಿವಾಸಿ ಸಾಮಾನ್ಯ ಖಾತೆಯು ಉಳಿತಾಯ ಅಥವಾ ಚಾಲ್ತಿ ಖಾತೆಯ ರೂಪದಲ್ಲಿದೆ, ಇದು NRI ಗಳು ತಮ್ಮ ನಿರ್ವಹಣೆಗಾಗಿ ಉದ್ದೇಶಿಸಲಾಗಿದೆಆದಾಯ ಭಾರತದಲ್ಲಿ ಗಳಿಸಿದರು. NRO ಖಾತೆಯಲ್ಲಿ, ವಿದೇಶಿ ಕರೆನ್ಸಿ ಠೇವಣಿ ಮಾಡಿದ ನಂತರ ಭಾರತೀಯ ರೂಪಾಯಿಗೆ ಪರಿವರ್ತನೆಯಾಗುತ್ತದೆ. NRO ಖಾತೆಯನ್ನು ಮತ್ತೊಬ್ಬ NRI ಹಾಗೂ ನಿವಾಸಿ ಭಾರತೀಯ (ಹತ್ತಿರದ ಸಂಬಂಧಿಗಳು) ಜೊತೆ ಜಂಟಿಯಾಗಿ ನಡೆಸಬಹುದು.

FCNR ಖಾತೆ

ಇದು ವಿದೇಶಿ ಕರೆನ್ಸಿ ನಾನ್-ರಿಪ್ಯಾಟ್ರಿಬಲ್ ಖಾತೆ ಠೇವಣಿಗಳನ್ನು ಸೂಚಿಸುತ್ತದೆ. ಈ ಖಾತೆಯಲ್ಲಿ, NRIಗಳು ತಮ್ಮ ಹಣವನ್ನು ಪಾವತಿಸಬಹುದುಗಳಿಕೆ ಕೆನಡಿಯನ್ $, US$, ಯೂರೋ, AU$, ಯೆನ್ ಮತ್ತು ಪೌಂಡ್‌ನಂತಹ ಆರು ಕರೆನ್ಸಿಗಳಲ್ಲಿ ಒಂದರಲ್ಲಿ. ಇತರ FCNR ಅಥವಾ NRE ಖಾತೆಗಳಿಂದ ಹಣವನ್ನು ವರ್ಗಾಯಿಸಬಹುದು. FCNR ನಲ್ಲಿ, ಅಸಲು ಮತ್ತು ಬಡ್ಡಿಯು ಯಾವುದೇ ತೆರಿಗೆಯನ್ನು ಪಡೆಯುವುದಿಲ್ಲ.

ಒಮ್ಮೆ ನೀವು ಈ ಯಾವುದೇ ಖಾತೆಗಳನ್ನು ತೆರೆದರೆ, KYC ಮಾನದಂಡಗಳ ಅಡಿಯಲ್ಲಿ ನಿಮ್ಮ KYC (ನಿಮ್ಮ ಗ್ರಾಹಕರನ್ನು ತಿಳಿದುಕೊಳ್ಳಿ) ಅನ್ನು ನೀವು ಯಶಸ್ವಿಯಾಗಿ ಪೂರ್ಣಗೊಳಿಸಬೇಕು.SEBI (ಸೆಕ್ಯುರಿಟೀಸ್ ಎಕ್ಸ್ಚೇಂಜ್ ಬೋರ್ಡ್ ಆಫ್ ಇಂಡಿಯಾ). ಸೆಬಿ-ನೋಂದಾಯಿತ ಯಾವುದೇ ಮಧ್ಯವರ್ತಿಗಳೊಂದಿಗೆ ಒಬ್ಬರು ತಮ್ಮ KYC ಅನ್ನು ಪೂರ್ಣಗೊಳಿಸಬಹುದು.

ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ನ್ಯೂಜಿಲೆಂಡ್ ಎನ್‌ಆರ್‌ಐಗಳಿಗೆ KYC ಕಾರ್ಯವಿಧಾನ

ನಿಮ್ಮ KYC ಕಾರ್ಯವಿಧಾನವನ್ನು ಯಶಸ್ವಿಯಾಗಿ ಪೂರ್ಣಗೊಳಿಸಲು, ನ್ಯೂಜಿಲೆಂಡ್ NRI ಗಳು ಕೆಲವು ಪ್ರಮುಖ ಹಂತಗಳನ್ನು ಪೂರ್ಣಗೊಳಿಸಬೇಕು ಮತ್ತು ಡಾಕ್ಯುಮೆಂಟ್‌ಗಳನ್ನು ಒದಗಿಸಬೇಕು:

ಎ. KYC ಫಾರ್ಮ್

ಎನ್‌ಆರ್‌ಐ ಸಲ್ಲಿಸುವ ಅಗತ್ಯವಿದೆKYC ಫಾರ್ಮ್ SEBI ನೋಂದಾಯಿತ ಮಧ್ಯಂತರಕ್ಕೆ ತುಂಬಿದ ಎಲ್ಲಾ ಅಗತ್ಯ ವಿವರಗಳೊಂದಿಗೆ. ಡಾಕ್ಯುಮೆಂಟ್‌ಗಳನ್ನು ಕೊರಿಯರ್/ಪೋಸ್ಟ್ ಮೂಲಕ ಮಧ್ಯಂತರಕ್ಕೆ ಕಳುಹಿಸಬಹುದು.

ಬಿ. ದಾಖಲೆಗಳು

ಸಲ್ಲಿಸಬೇಕಾದ ಅಗತ್ಯ ದಾಖಲೆಗಳು ಈ ಕೆಳಗಿನಂತಿವೆ:

ಸಾಗರೋತ್ತರ ವಿಳಾಸ ಪುರಾವೆ
ಭಾರತೀಯ ನಿವಾಸಿ ವಿಳಾಸ ಪುರಾವೆ
ಇತ್ತೀಚಿನ ಛಾಯಾಚಿತ್ರ
ಪಾಸ್ಪೋರ್ಟ್ ನಕಲು

ಮರ್ಚೆಂಟ್ ನೇವಿಯಲ್ಲಿರುವ NRIಗಳ ಸಂದರ್ಭದಲ್ಲಿ, ನೌಕಾಪಡೆಯ ಘೋಷಣೆ ಅಥವಾ ನಿರಂತರ ಡಿಸ್ಚಾರ್ಜ್ ಪ್ರಮಾಣಪತ್ರದ ಪ್ರಮಾಣೀಕೃತ ಪ್ರತಿಯನ್ನು ಸಲ್ಲಿಸಬೇಕು.

ವಿರುದ್ಧ ಪ್ರಮಾಣಪತ್ರ

NRI ಗಳು ಅಥವಾ PIO ಗಳು (ಭಾರತ ಮೂಲದ ವ್ಯಕ್ತಿ) ಮೇಲಿನ ದಾಖಲೆಗಳನ್ನು ಭಾರತದಲ್ಲಿ ನೋಂದಾಯಿಸಲಾದ ನಿಗದಿತ ವಾಣಿಜ್ಯ ಬ್ಯಾಂಕ್‌ಗಳ ಸಾಗರೋತ್ತರ ಶಾಖೆಗಳ ಅಧಿಕೃತ ಅಧಿಕಾರಿಗಳು, ನ್ಯಾಯಾಧೀಶರು, ನ್ಯಾಯಾಲಯದ ಮ್ಯಾಜಿಸ್ಟ್ರೇಟ್, ಸಾರ್ವಜನಿಕ ನೋಟರಿಗಳು ಅಥವಾ ದೇಶದ ಭಾರತೀಯ ರಾಯಭಾರಿ/ದೂತಾವಾಸ ಜನರಲ್ ಮೂಲಕ ದೃಢೀಕರಿಸಬಹುದು. ನೆಲೆಗೊಂಡಿವೆ.

ಡಿ. ವೈಯಕ್ತಿಕ ಪರಿಶೀಲನೆಯಲ್ಲಿ (IPV)

SEBI ನಿಯಮಗಳ ಪ್ರಕಾರ, KYC ಪ್ರಕ್ರಿಯೆಗೆ IPV ಕಡ್ಡಾಯವಾಗಿದೆ. ಮಧ್ಯವರ್ತಿಯು NRIಗಳು/PIOಗಳ IPV ಅನ್ನು ನಡೆಸಬೇಕು.

ಸಲ್ಲಿಸುವಾಗ ಮೇಲಿನ ಎಲ್ಲಾ ದಾಖಲೆಗಳು/ಪುರಾವೆಗಳು ಇಂಗ್ಲಿಷ್ ಭಾಷೆಯಲ್ಲಿರಬೇಕು ಎಂಬುದನ್ನು ದಯವಿಟ್ಟು ಗಮನಿಸಿ.

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ಅನಿವಾಸಿ ಭಾರತೀಯ (NRI) ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ತೆರಿಗೆ

ಬಂಡವಾಳ ಹಣಕಾಸು ವರ್ಷ 2017-18 (ಮೌಲ್ಯಮಾಪನ ವರ್ಷ 2018-19) ಗಾಗಿ ಎನ್‌ಆರ್‌ಐ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಹೂಡಿಕೆಗಳ ಮೇಲಿನ ಲಾಭದ ತೆರಿಗೆ ದರಗಳು ಕೆಳಕಂಡಂತಿವೆ:

ಎನ್ಆರ್ಐಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳ ಮೇಲಿನ ತೆರಿಗೆ-ಬಂಡವಾಳದಲ್ಲಿ ಲಾಭ ತೆರಿಗೆ ದರಗಳು- FY 2017/2018 (AY- 2018-19)

ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಯೋಜನೆಯ ವಿಧಗಳು	ಅಲ್ಪಾವಧಿಯ ಬಂಡವಾಳ ಲಾಭಗಳು (STCG)	ದೀರ್ಘಾವಧಿಯ ಬಂಡವಾಳ ಲಾಭಗಳು (LTCG)
ಇಕ್ವಿಟಿ ಫಂಡ್‌ಗಳು- STCG- ಯುನಿಟ್‌ಗಳು ಒಂದು ವರ್ಷಕ್ಕಿಂತ ಕಡಿಮೆ ಅಥವಾ ಸಮನಾಗಿರುತ್ತದೆ, LTCG- ಯುನಿಟ್‌ಗಳು ಒಂದು ವರ್ಷಕ್ಕಿಂತ ಹೆಚ್ಚು	15%	ಶೂನ್ಯ
ನಾನ್-ಇಕ್ವಿಟಿ ಫಂಡ್‌ಗಳು- STCG- 3 ವರ್ಷ ಅಥವಾ ಅದಕ್ಕಿಂತ ಕಡಿಮೆ ಅವಧಿಯ ಯೂನಿಟ್‌ಗಳು, LTCG- ಯುನಿಟ್‌ಗಳು 3 ವರ್ಷಗಳಿಗಿಂತ ಹೆಚ್ಚು	ವ್ಯಕ್ತಿಯ ಪ್ರಕಾರಆದಾಯ ತೆರಿಗೆ ಬ್ರಾಕೆಟ್	ಪಟ್ಟಿ ಮಾಡಲಾದ ನಿಧಿಗಳಲ್ಲಿ-20% (ಸೂಚ್ಯಂಕದೊಂದಿಗೆ), ಪಟ್ಟಿಮಾಡದ ನಿಧಿಗಳು- 10% (ಸೂಚ್ಯಂಕವಿಲ್ಲದೆ)

ಲಾಭಾಂಶಗಳ ಮೇಲೆ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ತೆರಿಗೆ

ಈಕ್ವಿಟಿ ಫಂಡ್‌ಗಳ ಮೇಲಿನ ಲಾಭಾಂಶಗಳು: ಈಕ್ವಿಟಿ ಫಂಡ್‌ಗಳಿಗಾಗಿ ಯೂನಿಟ್ ಹೋಲ್ಡರ್‌ನ ಕೈಯಲ್ಲಿ ಪಡೆದ ಲಾಭಾಂಶವು ಸಂಪೂರ್ಣವಾಗಿ ತೆರಿಗೆ ಮುಕ್ತವಾಗಿರುತ್ತದೆ. ಡಿವಿಡೆಂಡ್ ಕೂಡ ತೆರಿಗೆ ಮುಕ್ತವಾಗಿದೆAMC.
ಸಾಲ ನಿಧಿಗಳ ಮೇಲಿನ ಲಾಭಾಂಶಗಳು: ಈ ಡಿವಿಡೆಂಡ್ ಆದಾಯವನ್ನು ತನ್ನ ಯೂನಿಟ್-ಹೋಲ್ಡರ್‌ಗಳಿಗೆ ವಿತರಿಸುವ ಮೊದಲು AMC 28.84% ನಷ್ಟು ಲಾಭಾಂಶ ವಿತರಣೆ ತೆರಿಗೆಯನ್ನು (DDT) ಪಾವತಿಸಬೇಕಾಗುತ್ತದೆ. ಲಾಭಾಂಶದ ಆದಾಯವನ್ನು ಎಸಾಲ ನಿಧಿ ಯುನಿಟ್ ಹೋಲ್ಡರ್ ಕೂಡ ತೆರಿಗೆ ಮುಕ್ತವಾಗಿರುತ್ತದೆ.

AY 2018-19 ಗಾಗಿ NRIಗಳಿಂದ MF ರಿಡಂಪ್ಶನ್‌ಗಳ ಮೇಲೆ ಅನ್ವಯವಾಗುವ TDS ದರವನ್ನು ಕೆಳಗೆ ನೀಡಲಾಗಿದೆ.

ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳ ಮೇಲಿನ NRI ತೆರಿಗೆ- ಕ್ಯಾಪಿಟಲ್ ಗೇನ್ಸ್ ತೆರಿಗೆ ದರಗಳು- FY 2017/2018 (AY- 2018-19)

NRIಗಳು ಮತ್ತು TDS ದರದಿಂದ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ರಿಡೆಂಪ್ಶನ್‌ಗಳು	STCG ಮತ್ತು TDS ದರ	LTCG ಮತ್ತು TDS ದರ
MF ಯೋಜನೆಯ ಪ್ರಕಾರ
ಈಕ್ವಿಟಿ ಓರಿಯೆಂಟೆಡ್ ಫಂಡ್‌ಗಳು	15%	ಶೂನ್ಯ
ಸಾಲ ನಿಧಿಗಳು	30%	ಪಟ್ಟಿ ಮಾಡಲಾದ ನಿಧಿಗಳಲ್ಲಿ- 20% (ಸೂಚ್ಯಂಕದೊಂದಿಗೆ), ಪಟ್ಟಿಮಾಡದ ನಿಧಿಗಳು- 10% (ಸೂಚ್ಯಂಕವಿಲ್ಲದೆ)

ನ್ಯೂಜಿಲೆಂಡ್ ಎನ್‌ಆರ್‌ಐಗಳಿಗೆ ಅತ್ಯುತ್ತಮ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2023 (%)
L&T India Value Fund Growth	₹108.324 ↑ 0.87	₹14,123	3.8	11.9	44.9	22.3	25	39.4
L&T Emerging Businesses Fund Growth	₹87.0107 ↑ 0.31	₹17,306	5.4	14.7	41.1	25.1	30.7	46.1
Sundaram Rural and Consumption Fund Growth	₹96.3199 ↓ -0.07	₹1,629	2.1	15.6	28.7	17.3	17.8	30.2
UTI Dynamic Bond Fund Growth	₹29.4258 ↓ -0.01	₹522	1.9	4.8	9.3	8	8.3	6.2
UTI Banking & PSU Debt Fund Growth	₹20.783 ↑ 0.01	₹824	1.9	4.2	8	8	7.2	6.7
L&T Business Cycles Fund Growth	₹43.2187 ↑ 0.15	₹1,003	7.3	15.8	54	22.6	22.9	31.3
L&T Midcap Fund Growth	₹386.449 ↑ 0.22	₹12,280	5.5	14.6	50.1	22.2	24.3	40
Sundaram Mid Cap Fund Growth	₹1,348.21 ↑ 0.24	₹12,713	4.3	15.5	48.8	23.3	24.3	40.4
L&T Tax Advantage Fund Growth	₹131.88 ↑ 0.70	₹4,485	4	13.2	45.4	18	19.4	28.4
L&T Hybrid Equity Fund Growth	₹53.9726 ↑ 0.06	₹5,849	1.3	8.2	30.6	12.6	15	24.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 5 Nov 24

1. L&T India Value Fund

To generate long-term capital appreciation from diversified portfolio of predominantly equity and equity related securities, in the Indian markets with higher focus on undervalued securities. The Scheme could also additionally invest in Foreign Securities in international markets.

L&T India Value Fund is a Equity - Value fund was launched on 8 Jan 10. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 17.4% since its launch. Ranked 4 in Value category. Return for 2023 was 39.4% , 2022 was 5.2% and 2021 was 40.3% .

Below is the key information for L&T India Value Fund

L&T India Value Fund Growth
Launch Date	8 Jan 10
NAV (05 Nov 24)	₹108.324 ↑ 0.87 (0.81 %)
Net Assets (Cr)	₹14,123 on 30 Sep 24
Category	Equity - Value
AMC	L&T Investment Management Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.77
Sharpe Ratio	2.93
Information Ratio	1.42
Alpha Ratio	7.11
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 Oct 19	₹10,000
31 Oct 20	₹9,922
31 Oct 21	₹16,437
31 Oct 22	₹16,856
31 Oct 23	₹20,659
31 Oct 24	₹30,461

L&T India Value Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 Invest Now

Returns for L&T India Value Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Nov 24

Duration	Returns
1 Month	-1.6%
3 Month	3.8%
6 Month	11.9%
1 Year	44.9%
3 Year	22.3%
5 Year	25%
10 Year
15 Year
Since launch	17.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	39.4%
2022	5.2%
2021	40.3%
2020	14.6%
2019	4.6%
2018	-11.4%
2017	41.3%
2016	8.1%
2015	12.9%
2014	74.1%

Fund Manager information for L&T India Value Fund

Name	Since	Tenure
Venugopal Manghat	24 Nov 12	11.86 Yr.
Gautam Bhupal	1 Oct 23	1 Yr.
Sonal Gupta	1 Oct 23	1 Yr.

Data below for L&T India Value Fund as on 30 Sep 24

Equity Sector Allocation

Sector	Value
Financial Services	24.74%
Basic Materials	16.59%
Industrials	15.25%
Technology	9.96%
Consumer Cyclical	7.94%
Consumer Defensive	6.42%
Real Estate	4.86%
Utility	4.08%
Energy	3.21%
Communication Services	2.04%
Health Care	2.01%

Asset Allocation

Asset Class	Value
Cash	2.9%
Equity	97.1%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
NTPC Ltd (Utilities) Equity, Since 30 Apr 22 \| 532555	4%	₹577 Cr	13,014,200 ↓ -694,800
ICICI Bank Ltd (Financial Services) Equity, Since 30 Apr 11 \| ICICIBANK	4%	₹558 Cr	4,382,100
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 30 Sep 23 \| MCX	3%	₹452 Cr	798,650
KEC International Ltd (Industrials) Equity, Since 28 Feb 17 \| 532714	3%	₹404 Cr	3,887,970
Jindal Stainless Ltd (Basic Materials) Equity, Since 31 Jul 21 \| JSL	3%	₹399 Cr	5,047,000 ↓ -429,370
The Federal Bank Ltd (Financial Services) Equity, Since 31 Oct 20 \| FEDERALBNK	2%	₹316 Cr	16,063,900
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 Jul 20 \| M&M	2%	₹310 Cr	1,002,600 ↓ -192,800
Tech Mahindra Ltd (Technology) Equity, Since 30 Nov 21 \| 532755	2%	₹298 Cr	1,889,334 ↑ 429,834
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 15 \| RELIANCE	2%	₹295 Cr	998,200
State Bank of India (Financial Services) Equity, Since 30 Nov 20 \| SBIN	2%	₹290 Cr	3,682,400 ↓ -2,084,500

2. L&T Emerging Businesses Fund

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 CAGR/Annualized return of 22.9% since its launch. Ranked 2 in Small Cap category. Return for 2023 was 46.1% , 2022 was 1% and 2021 was 77.4% .

Below is the key information for L&T Emerging Businesses Fund

L&T Emerging Businesses Fund Growth
Launch Date	12 May 14
NAV (05 Nov 24)	₹87.0107 ↑ 0.31 (0.36 %)
Net Assets (Cr)	₹17,306 on 30 Sep 24
Category	Equity - Small Cap
AMC	L&T Investment Management Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.73
Sharpe Ratio	2
Information Ratio	0.27
Alpha Ratio	0.52
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 Oct 19	₹10,000
31 Oct 20	₹9,544
31 Oct 21	₹18,715
31 Oct 22	₹20,605
31 Oct 23	₹26,571
31 Oct 24	₹37,901

L&T Emerging Businesses Fund SIP Returns

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

Returns for L&T Emerging Businesses Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Nov 24

Duration	Returns
1 Month	-0.8%
3 Month	5.4%
6 Month	14.7%
1 Year	41.1%
3 Year	25.1%
5 Year	30.7%
10 Year
15 Year
Since launch	22.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	46.1%
2022	1%
2021	77.4%
2020	15.5%
2019	-8.1%
2018	-13.7%
2017	66.5%
2016	10.2%
2015	12.3%
2014

Fund Manager information for L&T Emerging Businesses Fund

Name	Since	Tenure
Venugopal Manghat	17 Dec 19	4.79 Yr.
Cheenu Gupta	1 Oct 23	1 Yr.
Sonal Gupta	1 Oct 23	1 Yr.

Data below for L&T Emerging Businesses Fund as on 30 Sep 24

Equity Sector Allocation

Sector	Value
Industrials	32.47%
Consumer Cyclical	15.46%
Basic Materials	13.32%
Financial Services	12.83%
Technology	8.01%
Real Estate	5.56%
Health Care	3.49%
Consumer Defensive	3.47%
Energy	1.41%

Asset Allocation

Asset Class	Value
Cash	1.98%
Equity	98.02%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Apar Industries Ltd (Industrials) Equity, Since 31 Mar 17 \| APARINDS	3%	₹482 Cr	505,400 ↓ -130,000
Aditya Birla Real Estate Ltd (Basic Materials) Equity, Since 30 Sep 22 \| 500040	3%	₹458 Cr	1,607,279
Trent Ltd (Consumer Cyclical) Equity, Since 31 Jan 17 \| 500251	3%	₹440 Cr	580,400
Brigade Enterprises Ltd (Real Estate) Equity, Since 31 Jul 19 \| 532929	2%	₹410 Cr	2,891,084 ↓ -138,011
Techno Electric & Engineering Co Ltd (Industrials) Equity, Since 31 Jan 19 \| TECHNOE	2%	₹396 Cr	2,473,042 ↓ -100,000
Neuland Laboratories Limited Equity, Since 31 Jan 24 \| -	2%	₹348 Cr	281,022 ↓ -20,000
NCC Ltd (Industrials) Equity, Since 28 Feb 21 \| NCC	2%	₹341 Cr	11,291,100
Dixon Technologies (India) Ltd (Technology) Equity, Since 31 Jul 20 \| DIXON	2%	₹329 Cr	238,273
K.P.R. Mill Ltd (Consumer Cyclical) Equity, Since 28 Feb 15 \| KPRMILL	2%	₹314 Cr	3,286,897
Supreme Petrochem Ltd (Basic Materials) Equity, Since 30 Sep 16 \| SPLPETRO	2%	₹309 Cr	3,565,768

3. Sundaram Rural and Consumption Fund

(Erstwhile Sundaram Rural India Fund)

The primary investment objective of the scheme is to generate consistent long-term returns by investing predominantly in equity & equity related instruments of companies that are focusing on Rural India.

Sundaram Rural and Consumption Fund is a Equity - Sectoral fund was launched on 12 May 06. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 13% since its launch. Ranked 2 in Sectoral category. Return for 2023 was 30.2% , 2022 was 9.3% and 2021 was 19.3% .

Below is the key information for Sundaram Rural and Consumption Fund

Sundaram Rural and Consumption Fund Growth
Launch Date	12 May 06
NAV (05 Nov 24)	₹96.3199 ↓ -0.07 (-0.07 %)
Net Assets (Cr)	₹1,629 on 30 Sep 24
Category	Equity - Sectoral
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	2.23
Sharpe Ratio	2.78
Information Ratio	-0.07
Alpha Ratio	-3.86
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹9,522
31 Oct 21	₹13,839
31 Oct 22	₹15,151
31 Oct 23	₹17,312
31 Oct 24	₹22,625

Sundaram Rural and Consumption Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 Invest Now

Returns for Sundaram Rural and Consumption Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Nov 24

Duration	Returns
1 Month	-6.4%
3 Month	2.1%
6 Month	15.6%
1 Year	28.7%
3 Year	17.3%
5 Year	17.8%
10 Year
15 Year
Since launch	13%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	30.2%
2022	9.3%
2021	19.3%
2020	13.5%
2019	2.7%
2018	-7.8%
2017	38.7%
2016	21.1%
2015	6.3%
2014	47.4%

Fund Manager information for Sundaram Rural and Consumption Fund

Name	Since	Tenure
Ratish Varier	1 Jan 22	2.75 Yr.
	1 Jul 24	0.25 Yr.

Data below for Sundaram Rural and Consumption Fund as on 30 Sep 24

Equity Sector Allocation

Sector	Value
Consumer Cyclical	41.86%
Consumer Defensive	34.46%
Communication Services	11.68%
Health Care	2.89%
Financial Services	2.6%
Real Estate	1.94%
Basic Materials	1.6%

Asset Allocation

Asset Class	Value
Cash	2.96%
Equity	97.04%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 22 \| BHARTIARTL	10%	₹157 Cr	987,983
ITC Ltd (Consumer Defensive) Equity, Since 31 Jul 13 \| ITC	9%	₹150 Cr	2,991,251
Kalyan Jewellers India Ltd (Consumer Cyclical) Equity, Since 31 Mar 21 \| KALYANKJIL	9%	₹142 Cr	2,304,592
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Apr 22 \| M&M	6%	₹98 Cr	350,492
Hindustan Unilever Ltd (Consumer Defensive) Equity, Since 30 Apr 16 \| HINDUNILVR	6%	₹97 Cr	350,212
Titan Co Ltd (Consumer Cyclical) Equity, Since 29 Feb 20 \| TITAN	6%	₹91 Cr	255,389
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Jul 12 \| MARUTI	5%	₹80 Cr	64,616
United Spirits Ltd (Consumer Defensive) Equity, Since 31 Dec 18 \| UNITDSPR	4%	₹71 Cr	480,998
Emami Ltd (Consumer Defensive) Equity, Since 31 May 23 \| 531162	4%	₹62 Cr	766,731
Safari Industries (India) Ltd (Consumer Cyclical) Equity, Since 28 Feb 22 \| 523025	4%	₹61 Cr	246,492

4. UTI Dynamic Bond Fund

The investment objective of the scheme is to generate optimal returns with adequate liquidity through active management of the portfolio, by investing in debt and money market instruments. However, there can be no assurance that the investment objective of the scheme will be realized.

UTI Dynamic Bond Fund is a Debt - Dynamic Bond fund was launched on 16 Jun 10. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.8% since its launch. Ranked 3 in Dynamic Bond category. Return for 2023 was 6.2% , 2022 was 10.1% and 2021 was 10.8% .

Below is the key information for UTI Dynamic Bond Fund

UTI Dynamic Bond Fund Growth
Launch Date	16 Jun 10
NAV (05 Nov 24)	₹29.4258 ↓ -0.01 (-0.02 %)
Net Assets (Cr)	₹522 on 15 Oct 24
Category	Debt - Dynamic Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	1.54
Sharpe Ratio	0.87
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.89%
Effective Maturity	12 Years 2 Months 8 Days
Modified Duration	6 Years 4 Months 28 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,617
31 Oct 21	₹11,821
31 Oct 22	₹12,893
31 Oct 23	₹13,594
31 Oct 24	₹14,871

UTI Dynamic Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148 Invest Now

Returns for UTI Dynamic Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Nov 24

Duration	Returns
1 Month	0.4%
3 Month	1.9%
6 Month	4.8%
1 Year	9.3%
3 Year	8%
5 Year	8.3%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.2%
2022	10.1%
2021	10.8%
2020	5.9%
2019	-3.9%
2018	5.2%
2017	4.2%
2016	14.9%
2015	6.9%
2014	14.7%

Fund Manager information for UTI Dynamic Bond Fund

Name	Since	Tenure
Sudhir Agarwal	1 Dec 21	2.84 Yr.

Data below for UTI Dynamic Bond Fund as on 15 Oct 24

Asset Allocation

Asset Class	Value
Cash	5.23%
Debt	94.48%
Other	0.29%

Debt Sector Allocation

Sector	Value
Government	82.53%
Corporate	11.95%
Cash Equivalent	5.23%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
07.37 Goi 2028 Sovereign Bonds \| -	28%	₹118 Cr	1,150,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	16%	₹67 Cr	650,000,000 ↑ 500,000,000
07.18 Goi 2028 Sovereign Bonds \| -	15%	₹62 Cr	600,000,000 ↓ -400,000,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	7%	₹31 Cr	300,000,000
Power Finance Corporation Ltd. Debentures \| -	6%	₹26 Cr	2,500
07.04 Goi 2064 Sovereign Bonds \| -	6%	₹25 Cr	250,000,000 ↓ -500,000,000
REC Ltd. Debentures \| -	6%	₹25 Cr	2,500 ↑ 2,500
7.3% Govt Stock 2053 Sovereign Bonds \| -	5%	₹21 Cr	200,000,000
7.46% Govt Stock 2073 Sovereign Bonds \| -	4%	₹16 Cr	150,000,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	2%	₹11 Cr	100,000,000

5. UTI Banking & PSU Debt Fund

The investment objective of the scheme is to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of predominantly debt & money market securities by Banks and Public Sector Undertakings (PSUs).

UTI Banking & PSU Debt Fund is a Debt - Banking & PSU Debt fund was launched on 3 Feb 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7% since its launch. Ranked 3 in Banking & PSU Debt category. Return for 2023 was 6.7% , 2022 was 10.3% and 2021 was 2.8% .

Below is the key information for UTI Banking & PSU Debt Fund

UTI Banking & PSU Debt Fund Growth
Launch Date	3 Feb 14
NAV (05 Nov 24)	₹20.783 ↑ 0.01 (0.05 %)
Net Assets (Cr)	₹824 on 30 Sep 24
Category	Debt - Banking & PSU Debt
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	0.55
Sharpe Ratio	0.95
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.28%
Effective Maturity	2 Years 11 Months 12 Days
Modified Duration	2 Years 5 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,909
31 Oct 21	₹11,235
31 Oct 22	₹12,285
31 Oct 23	₹13,106
31 Oct 24	₹14,159

UTI Banking & PSU Debt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for UTI Banking & PSU 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 5 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	4.2%
1 Year	8%
3 Year	8%
5 Year	7.2%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.7%
2022	10.3%
2021	2.8%
2020	8.9%
2019	-1%
2018	6.8%
2017	6.4%
2016	11.7%
2015	8.6%
2014

Fund Manager information for UTI Banking & PSU Debt Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	2.84 Yr.

Data below for UTI Banking & PSU Debt Fund as on 30 Sep 24

Asset Allocation

Asset Class	Value
Cash	3.87%
Debt	95.84%
Other	0.3%

Debt Sector Allocation

Sector	Value
Government	48.54%
Corporate	47.3%
Cash Equivalent	3.87%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.38% Govt Stock 2027 Sovereign Bonds \| -	11%	₹92 Cr	900,000,000
Axis Bank Limited Debentures \| -	7%	₹55 Cr	550
ICICI Bank Limited Debentures \| -	6%	₹53 Cr	550
Export-Import Bank of India Domestic Bonds \| -	6%	₹50 Cr	5,000
Small Industries Development Bank Of India Debentures \| -	6%	₹50 Cr	5,000
07.37 Goi 2028 Sovereign Bonds \| -	6%	₹46 Cr	450,000,000 ↓ -50,000,000
Power Finance Corporation Limited Debentures \| -	5%	₹40 Cr	400
Rural Electrification Corporation Limited Debentures \| -	4%	₹35 Cr	3,500
HDFC Bank Limited Debentures \| -	4%	₹35 Cr	350
Indian Railway Finance Corporation Limited Debentures \| -	4%	₹30 Cr	300

6. L&T Business Cycles Fund

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 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 15.4% since its launch. Ranked 19 in Sectoral category. Return for 2023 was 31.3% , 2022 was 5.3% and 2021 was 34.5% .

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

L&T Business Cycles Fund Growth
Launch Date	20 Aug 14
NAV (05 Nov 24)	₹43.2187 ↑ 0.15 (0.34 %)
Net Assets (Cr)	₹1,003 on 30 Sep 24
Category	Equity - Sectoral
AMC	L&T Investment Management Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	2.43
Sharpe Ratio	3.01
Information Ratio	1.19
Alpha Ratio	12.07
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-18 Months (1%),18 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹9,219
31 Oct 21	₹14,955
31 Oct 22	₹15,696
31 Oct 23	₹17,896
31 Oct 24	₹27,963

L&T Business Cycles Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 Invest Now

Returns for L&T Business Cycles Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Nov 24

Duration	Returns
1 Month	-0.4%
3 Month	7.3%
6 Month	15.8%
1 Year	54%
3 Year	22.6%
5 Year	22.9%
10 Year
15 Year
Since launch	15.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	31.3%
2022	5.3%
2021	34.5%
2020	9.3%
2019	5.3%
2018	-17.5%
2017	45.6%
2016	3.2%
2015	3.5%
2014

Fund Manager information for L&T Business Cycles Fund

Name	Since	Tenure
Venugopal Manghat	20 Aug 14	10.12 Yr.
Gautam Bhupal	1 Jun 23	1.33 Yr.
Sonal Gupta	1 Jun 23	1.33 Yr.

Data below for L&T Business Cycles Fund as on 30 Sep 24

Equity Sector Allocation

Sector	Value
Industrials	29.8%
Financial Services	24.74%
Consumer Cyclical	18.06%
Basic Materials	14.38%
Energy	6.19%
Real Estate	1.88%
Technology	1.26%

Asset Allocation

Asset Class	Value
Cash	2.05%
Equity	97.95%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Trent Ltd (Consumer Cyclical) Equity, Since 31 Dec 16 \| 500251	8%	₹81 Cr	107,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Aug 14 \| ICICIBANK	5%	₹54 Cr	425,000
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 31 Dec 22 \| MCX	5%	₹53 Cr	94,300
Reliance Industries Ltd (Energy) Equity, Since 31 Aug 18 \| RELIANCE	4%	₹40 Cr	135,600
HDFC Bank Ltd (Financial Services) Equity, Since 31 Aug 14 \| HDFCBANK	3%	₹33 Cr	193,300
Ahluwalia Contracts (India) Ltd (Industrials) Equity, Since 31 Jan 15 \| AHLUCONT	3%	₹31 Cr	274,908
Power Mech Projects Ltd (Industrials) Equity, Since 31 Oct 22 \| POWERMECH	3%	₹30 Cr	45,400
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Aug 14 \| LT	3%	₹30 Cr	81,830 ↓ -5,340
Bharat Electronics Ltd (Industrials) Equity, Since 31 Dec 22 \| BEL	3%	₹29 Cr	1,000,000
ABB India Ltd (Industrials) Equity, Since 30 Sep 19 \| ABB	3%	₹26 Cr	32,600

7. L&T Midcap Fund

To generate capital appreciation by investing primarily in midcap stocks. The scheme will invest primarily in companies whose market capitalization falls between the highest and the lowest constituent of the Nifty Free Float Midcap 100.

L&T Midcap Fund is a Equity - Mid Cap fund was launched on 9 Aug 04. It is a fund with High risk and has given a CAGR/Annualized return of 19.8% since its launch. Ranked 5 in Mid Cap category. Return for 2023 was 40% , 2022 was 1.1% and 2021 was 30.4% .

Below is the key information for L&T Midcap Fund

L&T Midcap Fund Growth
Launch Date	9 Aug 04
NAV (05 Nov 24)	₹386.449 ↑ 0.22 (0.06 %)
Net Assets (Cr)	₹12,280 on 30 Sep 24
Category	Equity - Mid Cap
AMC	L&T Investment Management Ltd
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.77
Sharpe Ratio	3.57
Information Ratio	-0.36
Alpha Ratio	14.32
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 Oct 19	₹10,000
31 Oct 20	₹10,410
31 Oct 21	₹15,809
31 Oct 22	₹15,786
31 Oct 23	₹19,086
31 Oct 24	₹29,333

L&T Midcap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 Invest Now

Returns for L&T Midcap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Nov 24

Duration	Returns
1 Month	-2.1%
3 Month	5.5%
6 Month	14.6%
1 Year	50.1%
3 Year	22.2%
5 Year	24.3%
10 Year
15 Year
Since launch	19.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	40%
2022	1.1%
2021	30.4%
2020	19%
2019	-0.2%
2018	-12%
2017	52.3%
2016	9.8%
2015	10.8%
2014	81.6%

Fund Manager information for L&T Midcap Fund

Name	Since	Tenure
Venugopal Manghat	1 Oct 23	1 Yr.
Cheenu Gupta	26 Nov 22	1.85 Yr.
Sonal Gupta	1 Oct 23	1 Yr.

Data below for L&T Midcap Fund as on 30 Sep 24

Equity Sector Allocation

Sector	Value
Industrials	32.54%
Financial Services	17.44%
Consumer Cyclical	14.41%
Technology	10.35%
Health Care	7.1%
Real Estate	6.99%
Utility	6.19%
Consumer Defensive	2.26%
Basic Materials	1.46%
Communication Services	0.31%

Asset Allocation

Asset Class	Value
Cash	0.96%
Equity	99.04%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Suzlon Energy Ltd (Industrials) Equity, Since 31 Mar 24 \| SUZLON	6%	₹724 Cr	90,407,100
Trent Ltd (Consumer Cyclical) Equity, Since 30 Jun 19 \| 500251	4%	₹481 Cr	634,900
Dixon Technologies (India) Ltd (Technology) Equity, Since 30 Apr 24 \| DIXON	3%	₹421 Cr	304,800 ↑ 66,900
HDFC Asset Management Co Ltd (Financial Services) Equity, Since 31 Dec 22 \| HDFCAMC	3%	₹415 Cr	964,400 ↑ 69,500
JSW Energy Ltd (Utilities) Equity, Since 31 Mar 24 \| JSWENERGY	3%	₹405 Cr	5,521,200 ↑ 483,000
Zomato Ltd (Consumer Cyclical) Equity, Since 31 Mar 24 \| 543320	3%	₹401 Cr	14,675,800 ↑ 3,128,400
CG Power & Industrial Solutions Ltd (Industrials) Equity, Since 31 May 24 \| 500093	3%	₹400 Cr	5,266,200 ↑ 886,500
Godrej Properties Ltd (Real Estate) Equity, Since 31 Mar 17 \| GODREJPROP	3%	₹371 Cr	1,175,100 ↑ 103,700
Cummins India Ltd (Industrials) Equity, Since 30 Apr 18 \| 500480	3%	₹369 Cr	970,100
PB Fintech Ltd (Financial Services) Equity, Since 31 Jan 24 \| 543390	3%	₹350 Cr	2,162,200 ↑ 513,300

8. Sundaram Mid Cap Fund

(Erstwhile Sundaram Select Midcap Fund)

To achieve capital appreciation by investing in diversified stocks that are generally termed as mid-caps.

Sundaram Mid Cap Fund is a Equity - Mid Cap fund was launched on 30 Jul 02. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 24.6% since its launch. Ranked 13 in Mid Cap category. Return for 2023 was 40.4% , 2022 was 4.8% and 2021 was 37.5% .

Below is the key information for Sundaram Mid Cap Fund

Sundaram Mid Cap Fund Growth
Launch Date	30 Jul 02
NAV (05 Nov 24)	₹1,348.21 ↑ 0.24 (0.02 %)
Net Assets (Cr)	₹12,713 on 30 Sep 24
Category	Equity - Mid Cap
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.8
Sharpe Ratio	3.27
Information Ratio	0.12
Alpha Ratio	11.15
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹9,539
31 Oct 21	₹15,532
31 Oct 22	₹16,473
31 Oct 23	₹19,559
31 Oct 24	₹29,760

Sundaram Mid Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 Invest Now

Returns for Sundaram Mid Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Nov 24

Duration	Returns
1 Month	-3.1%
3 Month	4.3%
6 Month	15.5%
1 Year	48.8%
3 Year	23.3%
5 Year	24.3%
10 Year
15 Year
Since launch	24.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	40.4%
2022	4.8%
2021	37.5%
2020	11.8%
2019	-0.3%
2018	-15.4%
2017	40.8%
2016	11.3%
2015	11.2%
2014	75%

Fund Manager information for Sundaram Mid Cap Fund

Name	Since	Tenure
S. Bharath	24 Feb 21	3.6 Yr.
Ratish Varier	24 Feb 21	3.6 Yr.

Data below for Sundaram Mid Cap Fund as on 30 Sep 24

Equity Sector Allocation

Sector	Value
Consumer Cyclical	19.97%
Financial Services	19.92%
Industrials	18.42%
Health Care	11.19%
Basic Materials	9.22%
Technology	6.05%
Utility	2.83%
Consumer Defensive	2.73%
Real Estate	2.23%
Communication Services	1.88%
Energy	1.49%

Asset Allocation

Asset Class	Value
Cash	4.06%
Equity	95.93%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Kalyan Jewellers India Ltd (Consumer Cyclical) Equity, Since 31 Mar 21 \| KALYANKJIL	4%	₹510 Cr	8,297,488
Cummins India Ltd (Industrials) Equity, Since 31 Dec 17 \| 500480	3%	₹441 Cr	1,177,160
Trent Ltd (Consumer Cyclical) Equity, Since 31 Dec 06 \| 500251	3%	₹433 Cr	604,417
Tube Investments of India Ltd Ordinary Shares (Industrials) Equity, Since 31 Jul 21 \| TIINDIA	3%	₹391 Cr	969,864
The Federal Bank Ltd (Financial Services) Equity, Since 31 Dec 18 \| 500469	3%	₹390 Cr	20,011,397
Coromandel International Ltd (Basic Materials) Equity, Since 30 Nov 10 \| 506395	2%	₹312 Cr	1,773,310
Lupin Ltd (Healthcare) Equity, Since 31 Jan 23 \| 500257	2%	₹311 Cr	1,388,200
Power Finance Corp Ltd (Financial Services) Equity, Since 30 Apr 23 \| 532810	2%	₹301 Cr	5,470,000
Persistent Systems Ltd (Technology) Equity, Since 30 Apr 22 \| PERSISTENT	2%	₹262 Cr	506,729
AU Small Finance Bank Ltd (Financial Services) Equity, Since 31 Oct 20 \| 540611	2%	₹259 Cr	3,755,252

9. L&T Tax Advantage Fund

To generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities.

L&T Tax Advantage Fund is a Equity - ELSS fund was launched on 27 Feb 06. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 14.8% since its launch. Ranked 7 in ELSS category. Return for 2023 was 28.4% , 2022 was -3% and 2021 was 30.3% .

Below is the key information for L&T Tax Advantage Fund

L&T Tax Advantage Fund Growth
Launch Date	27 Feb 06
NAV (05 Nov 24)	₹131.88 ↑ 0.70 (0.53 %)
Net Assets (Cr)	₹4,485 on 30 Sep 24
Category	Equity - ELSS
AMC	L&T Investment Management Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.89
Sharpe Ratio	3.09
Information Ratio	0.42
Alpha Ratio	7.78
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	₹9,844
31 Oct 21	₹14,423
31 Oct 22	₹14,802
31 Oct 23	₹16,277
31 Oct 24	₹24,134

L&T Tax Advantage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for L&T Tax 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 5 Nov 24

Duration	Returns
1 Month	-2.4%
3 Month	4%
6 Month	13.2%
1 Year	45.4%
3 Year	18%
5 Year	19.4%
10 Year
15 Year
Since launch	14.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	28.4%
2022	-3%
2021	30.3%
2020	13.5%
2019	4.6%
2018	-8.1%
2017	42.3%
2016	8.1%
2015	2.9%
2014	44.8%

Fund Manager information for L&T Tax Advantage Fund

Name	Since	Tenure
Gautam Bhupal	26 Nov 22	1.85 Yr.
Sonal Gupta	21 Jul 21	3.2 Yr.
Abhishek Gupta	1 Mar 24	0.59 Yr.

Data below for L&T Tax Advantage Fund as on 30 Sep 24

Equity Sector Allocation

Sector	Value
Financial Services	23.1%
Industrials	20.71%
Consumer Cyclical	17.12%
Technology	10.45%
Basic Materials	6.44%
Health Care	5.38%
Energy	4.3%
Utility	3.83%
Consumer Defensive	3.66%
Real Estate	2.84%
Communication Services	1.78%

Asset Allocation

Asset Class	Value
Cash	0.39%
Equity	99.61%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 06 \| HDFCBANK	4%	₹201 Cr	1,162,500
ICICI Bank Ltd (Financial Services) Equity, Since 30 Jun 09 \| ICICIBANK	3%	₹147 Cr	1,155,500
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 21 \| RELIANCE	3%	₹141 Cr	475,906 ↓ -61,694
Infosys Ltd (Technology) Equity, Since 31 Mar 06 \| INFY	3%	₹132 Cr	703,100
Trent Ltd (Consumer Cyclical) Equity, Since 30 Nov 23 \| 500251	3%	₹120 Cr	158,100
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Jul 22 \| LT	2%	₹111 Cr	301,450
Persistent Systems Ltd (Technology) Equity, Since 31 Jul 21 \| PERSISTENT	2%	₹101 Cr	184,700
Zomato Ltd (Consumer Cyclical) Equity, Since 31 Oct 23 \| 543320	2%	₹95 Cr	3,493,588
Shriram Finance Ltd (Financial Services) Equity, Since 30 Jun 23 \| SHRIRAMFIN	2%	₹92 Cr	258,300
KPIT Technologies Ltd (Technology) Equity, Since 30 Sep 21 \| KPITTECH	2%	₹84 Cr	518,700

10. L&T Hybrid Equity Fund

(Erstwhile L&T India Prudence Fund)

To seek to generate long-term capital appreciation from a diversified portfolio of predominantly equity and equity related securities and to generate reasonable returns through a portfolio of debt and money market instruments

L&T Hybrid Equity Fund is a Hybrid - Hybrid Equity fund was launched on 7 Feb 11. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 13.1% since its launch. Ranked 5 in Hybrid Equity category. Return for 2023 was 24.3% , 2022 was -3.7% and 2021 was 23.1% .

Below is the key information for L&T Hybrid Equity Fund

L&T Hybrid Equity Fund Growth
Launch Date	7 Feb 11
NAV (05 Nov 24)	₹53.9726 ↑ 0.06 (0.11 %)
Net Assets (Cr)	₹5,849 on 30 Sep 24
Category	Hybrid - Hybrid Equity
AMC	L&T Investment Management Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.88
Sharpe Ratio	2.36
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 Oct 19	₹10,000
31 Oct 20	₹10,186
31 Oct 21	₹13,879
31 Oct 22	₹13,765
31 Oct 23	₹15,199
31 Oct 24	₹20,135

L&T Hybrid Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 Invest Now

Returns for L&T 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 5 Nov 24

Duration	Returns
1 Month	-1.7%
3 Month	1.3%
6 Month	8.2%
1 Year	30.6%
3 Year	12.6%
5 Year	15%
10 Year
15 Year
Since launch	13.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	24.3%
2022	-3.7%
2021	23.1%
2020	13.6%
2019	6.5%
2018	-3.8%
2017	27.8%
2016	4.3%
2015	9.9%
2014	44.5%

Fund Manager information for L&T Hybrid Equity Fund

Name	Since	Tenure
Shriram Ramanathan	30 May 16	8.35 Yr.
Gautam Bhupal	1 Oct 23	1 Yr.
Cheenu Gupta	2 Jul 21	3.25 Yr.
Sonal Gupta	1 Oct 23	1 Yr.
Mohd Asif Rizwi	1 May 24	0.42 Yr.

Data below for L&T Hybrid Equity Fund as on 30 Sep 24

Asset Allocation

Asset Class	Value
Cash	0.95%
Equity	77.49%
Debt	21.56%

Equity Sector Allocation

Sector	Value
Industrials	28.87%
Financial Services	15.14%
Consumer Cyclical	13.27%
Technology	7.41%
Utility	4.54%
Real Estate	3.87%
Health Care	1.73%
Consumer Defensive	1.07%
Communication Services	0.94%
Energy	0.46%
Basic Materials	0.18%

Debt Sector Allocation

Sector	Value
Government	13.88%
Corporate	7.68%
Cash Equivalent	0.95%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Zomato Ltd (Consumer Cyclical) Equity, Since 29 Feb 24 \| 543320	4%	₹225 Cr	8,220,100 ↑ 5,730,500
7.38% Govt Stock 2027 Sovereign Bonds \| -	4%	₹208 Cr	20,000,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Apr 11 \| ICICIBANK	3%	₹204 Cr	1,601,344
Suzlon Energy Ltd (Industrials) Equity, Since 30 Apr 24 \| SUZLON	3%	₹202 Cr	25,266,400 ↑ 7,669,800
Bharat Electronics Ltd (Industrials) Equity, Since 31 Aug 22 \| BEL	3%	₹172 Cr	6,030,700
GE T&D India Ltd (Industrials) Equity, Since 31 Jan 24 \| 522275	3%	₹158 Cr	939,900 ↑ 447,900
CG Power & Industrial Solutions Ltd (Industrials) Equity, Since 31 Jul 22 \| 500093	2%	₹145 Cr	1,907,500
Trent Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| 500251	2%	₹140 Cr	185,400 ↑ 26,400
JSW Energy Ltd (Utilities) Equity, Since 30 Nov 23 \| JSWENERGY	2%	₹126 Cr	1,714,100
Zensar Technologies Ltd (Technology) Equity, Since 31 May 23 \| ZENSARTECH	2%	₹117 Cr	1,739,015

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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.