10, 20 വർഷത്തെ നിക്ഷേപത്തിനായുള്ള 10 മികച്ച SIP പ്ലാനുകൾ 2022

Updated on April 17, 2026 , 233512 views

മികച്ച SIP പ്ലാനുകൾ? അവരെ എങ്ങനെ തിരഞ്ഞെടുക്കാം? ചിന്തിക്കുമ്പോൾ നിക്ഷേപകരുടെ മനസ്സിൽ ഉണ്ടാകുന്ന പൊതുവായ ചില ചോദ്യങ്ങളാണിത്മ്യൂച്വൽ ഫണ്ടുകളിൽ നിക്ഷേപിക്കുന്നു എ വഴിഎസ്.ഐ.പി അല്ലെങ്കിൽ വ്യവസ്ഥാപിതംനിക്ഷേപ പദ്ധതി.SIP നിക്ഷേപം ഏറ്റവും അച്ചടക്കമുള്ള ഒന്നാണ്നിക്ഷേപിക്കുന്നു നിക്ഷേപം നടത്തുമ്പോൾ ഓപ്ഷനുകൾമ്യൂച്വൽ ഫണ്ടുകൾ.

മാത്രമല്ല, ഒരു SIP മ്യൂച്വൽ ഫണ്ടിൽ നിക്ഷേപിക്കുന്നതിനുള്ള ഏറ്റവും കുറഞ്ഞ തുക 500 രൂപയിൽ താഴെയാണ്. ഇത് നിക്ഷേപം നടത്തുന്നുടോപ്പ് SIP വളരെ സൗകര്യപ്രദമായ പദ്ധതികൾ.

എന്തുകൊണ്ടാണ് നിങ്ങൾ SIP അല്ലെങ്കിൽ സിസ്റ്റമാറ്റിക് ഇൻവെസ്റ്റ്‌മെന്റ് പ്ലാനിൽ നിക്ഷേപിക്കേണ്ടത്?

ചിലനിക്ഷേപത്തിന്റെ നേട്ടങ്ങൾ ഒരു SIP-ൽ ഇവയാണ്:

സംയുക്തത്തിന്റെ ശക്തി

വ്യവസ്ഥാപിത നിക്ഷേപ പദ്ധതികളും ഇതിന്റെ പ്രയോജനം വാഗ്ദാനം ചെയ്യുന്നുസംയുക്തത്തിന്റെ ശക്തി. നിങ്ങൾ പ്രിൻസിപ്പലിൽ മാത്രം പലിശ നേടുമ്പോഴാണ് ലളിതമായ താൽപ്പര്യം. കൂട്ടുപലിശയുടെ കാര്യത്തിൽ, പലിശ തുക പ്രിൻസിപ്പലിലേക്ക് ചേർക്കുന്നു, കൂടാതെ പുതിയ പ്രിൻസിപ്പലിന്റെ (പഴയ പ്രിൻസിപ്പലിന്റെയും നേട്ടങ്ങളുടെയും) പലിശ കണക്കാക്കുന്നു. ഈ പ്രക്രിയ ഓരോ തവണയും തുടരുന്നു. എസ്‌ഐ‌പിയിലെ മ്യൂച്വൽ ഫണ്ടുകൾ ഗഡുക്കളായതിനാൽ, അവ സംയുക്തമാണ്, ഇത് തുടക്കത്തിൽ നിക്ഷേപിച്ച തുകയിലേക്ക് കൂടുതൽ ചേർക്കുന്നു.

രൂപയുടെ ചെലവ് ശരാശരി

ഒരു ചിട്ടയായ നിക്ഷേപ പദ്ധതി വാഗ്ദാനം ചെയ്യുന്ന ഏറ്റവും വലിയ നേട്ടം റുപ്പി കോസ്റ്റ് ആവറേജിംഗ് ആണ്, ഇത് ഒരു അസറ്റ് വാങ്ങലിന്റെ ശരാശരി ചെലവ് ഒരു വ്യക്തിയെ സഹായിക്കുന്നു. ഒരു മ്യൂച്വൽ ഫണ്ടിൽ ഒറ്റത്തവണ നിക്ഷേപം നടത്തുമ്പോൾ ഒരു നിശ്ചിത എണ്ണം യൂണിറ്റുകൾ വാങ്ങുന്നുനിക്ഷേപകൻ ഒറ്റയടിക്ക്, ഒരു എസ്‌ഐ‌പിയുടെ കാര്യത്തിൽ, യൂണിറ്റുകളുടെ വാങ്ങൽ വളരെക്കാലം നീണ്ടുനിൽക്കും, അവ പ്രതിമാസ ഇടവേളകളിൽ (സാധാരണയായി) തുല്യമായി വിതരണം ചെയ്യപ്പെടുന്നു. നിക്ഷേപം കാലക്രമേണ വ്യാപിക്കുന്നതിനാൽ, നിക്ഷേപം സ്റ്റോക്കിലേക്ക് മാറ്റുന്നുവിപണി വ്യത്യസ്ത വില പോയിന്റുകളിൽ നിക്ഷേപകന് ശരാശരി ചെലവിന്റെ ആനുകൂല്യം നൽകുന്നു, അതിനാൽ രൂപയുടെ ചെലവ് ശരാശരി എന്ന പദം.

താങ്ങാനാവുന്ന

എസ്‌ഐ‌പികൾ സാധാരണക്കാർക്ക് സമ്പാദ്യം ആരംഭിക്കുന്നതിനുള്ള വളരെ താങ്ങാനാവുന്ന ഓപ്ഷനാണ്, കാരണം ഓരോ തവണകൾക്കും ആവശ്യമായ ഏറ്റവും കുറഞ്ഞ തുക (അതും പ്രതിമാസം!) INR 500 വരെയാകാം. ചില മ്യൂച്വൽ ഫണ്ട് കമ്പനികൾ പോലും വാഗ്‌ദാനം ചെയ്യുന്നു.മൈക്രോഎസ്ഐപി ടിക്കറ്റ് വലുപ്പം 100 രൂപയിൽ താഴെയാണ്.

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റിസ്ക് റിഡക്ഷൻ

ഒരു ചിട്ടയായ നിക്ഷേപ പദ്ധതി ദീർഘകാലത്തേക്ക് വ്യാപിച്ചുകിടക്കുന്നതിനാൽ, ഓഹരി വിപണിയുടെ എല്ലാ കാലഘട്ടങ്ങളും, ഉയർച്ചകളും, അതിലും പ്രധാനമായി തകർച്ചകളും ഒരാൾ പിടികൂടുന്നു. മാന്ദ്യങ്ങളിൽ, മിക്ക നിക്ഷേപകരെയും ഭയം പിടികൂടുമ്പോൾ, നിക്ഷേപകർ വാങ്ങുന്നത് ഉറപ്പാക്കുന്നത് SIP തവണകൾ തുടരുന്നുതാഴ്ന്ന.

FY 22 - 23 ലെ 10, 20 വർഷത്തെ നിക്ഷേപത്തിനുള്ള മികച്ച SIP പ്ലാനുകൾ

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
SBI PSU Fund Growth	₹36.2641 ↑ 0.41	₹5,891	500	6.1	10.7	18.5	32.7	28.1	11.3
ICICI Prudential Infrastructure Fund Growth	₹200.32 ↑ 2.12	₹7,554	100	3.5	1.2	11.4	25	27.1	6.7
DSP World Gold Fund Growth	₹62.7845 ↓ -0.85	₹1,769	500	6.5	30.2	108.2	47.4	26.6	167.1
Invesco India PSU Equity Fund Growth	₹68.74 ↑ 0.78	₹1,335	500	2.4	6.2	16.8	30.5	26.5	10.3
Nippon India Power and Infra Fund Growth	₹369.92 ↑ 4.98	₹6,534	100	10.4	5.2	14.6	27.4	25.3	-0.5
DSP India T.I.G.E.R Fund Growth	₹339.045 ↑ 4.18	₹4,979	500	9.4	7.3	17.7	27.4	25.3	-2.5
IDBI Gold Fund Growth	₹39.0233 ↓ -0.13	₹740	500	5.6	13.9	55.9	33.2	25	79
HDFC Infrastructure Fund Growth	₹47.143 ↑ 0.47	₹2,132	300	1.1	-2.2	5.9	25.9	24.9	2.2
SBI Gold Fund Growth	₹44 ↓ -0.26	₹14,998	500	5.9	15.4	56.9	34	24.8	71.5
Franklin Build India Fund Growth	₹147.592 ↑ 1.16	₹2,858	500	4.9	2.8	12.3	27	24.8	3.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Apr 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	SBI PSU Fund	ICICI Prudential Infrastructure Fund	DSP World Gold Fund	Invesco India PSU Equity Fund	Nippon India Power and Infra Fund	DSP India T.I.G.E.R Fund	IDBI Gold Fund	HDFC Infrastructure Fund	SBI Gold Fund	Franklin Build India Fund
Point 1	Upper mid AUM (₹5,891 Cr).	Top quartile AUM (₹7,554 Cr).	Bottom quartile AUM (₹1,769 Cr).	Bottom quartile AUM (₹1,335 Cr).	Upper mid AUM (₹6,534 Cr).	Upper mid AUM (₹4,979 Cr).	Bottom quartile AUM (₹740 Cr).	Lower mid AUM (₹2,132 Cr).	Highest AUM (₹14,998 Cr).	Lower mid AUM (₹2,858 Cr).
Point 2	Established history (15+ yrs).	Established history (20+ yrs).	Established history (18+ yrs).	Established history (16+ yrs).	Oldest track record among peers (21 yrs).	Established history (21+ yrs).	Established history (13+ yrs).	Established history (18+ yrs).	Established history (14+ yrs).	Established history (16+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Rating: 3★ (upper mid).	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 4★ (top quartile).	Rating: 4★ (upper mid).	Not Rated.	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Top rated.
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.
Point 5	5Y return: 28.14% (top quartile).	5Y return: 27.14% (top quartile).	5Y return: 26.64% (upper mid).	5Y return: 26.52% (upper mid).	5Y return: 25.34% (upper mid).	5Y return: 25.31% (lower mid).	5Y return: 25.03% (lower mid).	5Y return: 24.91% (bottom quartile).	5Y return: 24.85% (bottom quartile).	5Y return: 24.81% (bottom quartile).
Point 6	3Y return: 32.67% (upper mid).	3Y return: 25.03% (bottom quartile).	3Y return: 47.40% (top quartile).	3Y return: 30.49% (upper mid).	3Y return: 27.36% (lower mid).	3Y return: 27.39% (lower mid).	3Y return: 33.17% (upper mid).	3Y return: 25.92% (bottom quartile).	3Y return: 34.02% (top quartile).	3Y return: 27.04% (bottom quartile).
Point 7	1Y return: 18.46% (upper mid).	1Y return: 11.39% (bottom quartile).	1Y return: 108.17% (top quartile).	1Y return: 16.77% (lower mid).	1Y return: 14.60% (lower mid).	1Y return: 17.69% (upper mid).	1Y return: 55.92% (upper mid).	1Y return: 5.87% (bottom quartile).	1Y return: 56.89% (top quartile).	1Y return: 12.35% (bottom quartile).
Point 8	Alpha: -1.15 (bottom quartile).	Alpha: 0.00 (top quartile).	Alpha: 1.04 (top quartile).	Alpha: -6.00 (bottom quartile).	Alpha: -0.88 (bottom quartile).	Alpha: 0.00 (upper mid).	1M return: -2.27% (bottom quartile).	Alpha: 0.00 (upper mid).	1M return: -2.63% (bottom quartile).	Alpha: 0.00 (lower mid).
Point 9	Sharpe: 0.27 (upper mid).	Sharpe: -0.38 (bottom quartile).	Sharpe: 2.16 (top quartile).	Sharpe: 0.01 (upper mid).	Sharpe: -0.19 (bottom quartile).	Sharpe: -0.01 (lower mid).	Alpha: 0.00 (upper mid).	Sharpe: -0.48 (bottom quartile).	Alpha: 0.00 (lower mid).	Sharpe: -0.11 (lower mid).
Point 10	Information ratio: -0.31 (bottom quartile).	Information ratio: 0.00 (top quartile).	Information ratio: -0.83 (bottom quartile).	Information ratio: -0.79 (bottom quartile).	Information ratio: 0.38 (top quartile).	Information ratio: 0.00 (upper mid).	Sharpe: 1.75 (upper mid).	Information ratio: 0.00 (upper mid).	Sharpe: 1.95 (top quartile).	Information ratio: 0.00 (lower mid).

SBI PSU Fund

Upper mid AUM (₹5,891 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 28.14% (top quartile).
3Y return: 32.67% (upper mid).
1Y return: 18.46% (upper mid).
Alpha: -1.15 (bottom quartile).
Sharpe: 0.27 (upper mid).
Information ratio: -0.31 (bottom quartile).

ICICI Prudential Infrastructure Fund

Top quartile AUM (₹7,554 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 27.14% (top quartile).
3Y return: 25.03% (bottom quartile).
1Y return: 11.39% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: -0.38 (bottom quartile).
Information ratio: 0.00 (top quartile).

DSP World Gold Fund

Bottom quartile AUM (₹1,769 Cr).
Established history (18+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 26.64% (upper mid).
3Y return: 47.40% (top quartile).
1Y return: 108.17% (top quartile).
Alpha: 1.04 (top quartile).
Sharpe: 2.16 (top quartile).
Information ratio: -0.83 (bottom quartile).

Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,335 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 26.52% (upper mid).
3Y return: 30.49% (upper mid).
1Y return: 16.77% (lower mid).
Alpha: -6.00 (bottom quartile).
Sharpe: 0.01 (upper mid).
Information ratio: -0.79 (bottom quartile).

Nippon India Power and Infra Fund

Upper mid AUM (₹6,534 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (top quartile).
Risk profile: High.
5Y return: 25.34% (upper mid).
3Y return: 27.36% (lower mid).
1Y return: 14.60% (lower mid).
Alpha: -0.88 (bottom quartile).
Sharpe: -0.19 (bottom quartile).
Information ratio: 0.38 (top quartile).

DSP India T.I.G.E.R Fund

Upper mid AUM (₹4,979 Cr).
Established history (21+ yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 25.31% (lower mid).
3Y return: 27.39% (lower mid).
1Y return: 17.69% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.01 (lower mid).
Information ratio: 0.00 (upper mid).

IDBI Gold Fund

Bottom quartile AUM (₹740 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 25.03% (lower mid).
3Y return: 33.17% (upper mid).
1Y return: 55.92% (upper mid).
1M return: -2.27% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 1.75 (upper mid).

HDFC Infrastructure Fund

Lower mid AUM (₹2,132 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 24.91% (bottom quartile).
3Y return: 25.92% (bottom quartile).
1Y return: 5.87% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.48 (bottom quartile).
Information ratio: 0.00 (upper mid).

SBI Gold Fund

Highest AUM (₹14,998 Cr).
Established history (14+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 24.85% (bottom quartile).
3Y return: 34.02% (top quartile).
1Y return: 56.89% (top quartile).
1M return: -2.63% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 1.95 (top quartile).

Franklin Build India Fund

Lower mid AUM (₹2,858 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: High.
5Y return: 24.81% (bottom quartile).
3Y return: 27.04% (bottom quartile).
1Y return: 12.35% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.11 (lower mid).
Information ratio: 0.00 (lower mid).

*താഴെയുള്ള ഫണ്ടുകൾ മികച്ചതായി പരിഗണിക്കുന്നുസിഎജിആർ 5 വർഷത്തിൽ കൂടുതലുള്ള വരുമാനവും ഫണ്ടിന് കുറഞ്ഞത് 5 വർഷത്തെ മാർക്കറ്റ് ചരിത്രവും (ഫണ്ട് പ്രായം) ഉണ്ട്500 കോടി മാനേജ്മെന്റിന് കീഴിലുള്ള അസറ്റിന്റെ.

1. SBI PSU Fund

The objective of the scheme would be to provide investors with opportunities for long-term growth in capital along with the liquidity of an open-ended scheme through an active management of investments in a diversified basket of equity stocks of domestic Public Sector Undertakings and in debt and money market instruments issued by PSUs AND others.

Research Highlights for SBI PSU Fund

Upper mid AUM (₹5,891 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 28.14% (top quartile).
3Y return: 32.67% (upper mid).
1Y return: 18.46% (upper mid).
Alpha: -1.15 (bottom quartile).
Sharpe: 0.27 (upper mid).
Information ratio: -0.31 (bottom quartile).
Higher exposure to Utility vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~16.5%).
Top-3 holdings concentration ~36.2%.

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (17 Apr 26)	₹36.2641 ↑ 0.41 (1.15 %)
Net Assets (Cr)	₹5,891 on 31 Mar 26
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0.27
Information Ratio	-0.31
Alpha Ratio	-1.15
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 Mar 21	₹10,000
31 Mar 22	₹12,520
31 Mar 23	₹14,284
31 Mar 24	₹26,707
31 Mar 25	₹28,297
31 Mar 26	₹30,937

SBI PSU Fund SIP Returns

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

Returns for SBI PSU Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 26

Duration	Returns
1 Month	5.2%
3 Month	6.1%
6 Month	10.7%
1 Year	18.5%
3 Year	32.7%
5 Year	28.1%
10 Year
15 Year
Since launch	8.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	11.3%
2024	23.5%
2023	54%
2022	29%
2021	32.4%
2020	-10%
2019	6%
2018	-23.8%
2017	21.9%
2016	16.2%

Fund Manager information for SBI PSU Fund

Name	Since	Tenure
Rohit Shimpi	1 Jun 24	1.83 Yr.

Data below for SBI PSU Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Utility	31.55%
Financial Services	30.98%
Energy	12.91%
Industrials	12.8%
Basic Materials	6.89%

Asset Allocation

Asset Class	Value
Cash	4.8%
Equity	95.12%
Debt	0.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	17%	₹972 Cr	9,927,500
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| 532898	10%	₹590 Cr	19,935,554
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| 532555	10%	₹572 Cr	15,443,244
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	9%	₹536 Cr	13,385,000 ↓ -340,000
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| 532155	9%	₹525 Cr	38,150,000 ↑ 3,200,000
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 31 May 20 \| 500312	7%	₹386 Cr	13,555,000 ↑ 7,600,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| 532134	6%	₹324 Cr	13,100,000 ↑ 2,100,000
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| 500547	5%	₹273 Cr	9,700,000
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| 526371	4%	₹213 Cr	27,900,000
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| 532814	3%	₹205 Cr	2,427,235

2. ICICI Prudential Infrastructure Fund

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.

Research Highlights for ICICI Prudential Infrastructure Fund

Top quartile AUM (₹7,554 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 27.14% (top quartile).
3Y return: 25.03% (bottom quartile).
1Y return: 11.39% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: -0.38 (bottom quartile).
Information ratio: 0.00 (top quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding InterGlobe Aviation Ltd (~8.7%).

Below is the key information for ICICI Prudential Infrastructure Fund

ICICI Prudential Infrastructure Fund Growth
Launch Date	31 Aug 05
NAV (17 Apr 26)	₹200.32 ↑ 2.12 (1.07 %)
Net Assets (Cr)	₹7,554 on 31 Mar 26
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.38
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 Mar 21	₹10,000
31 Mar 22	₹13,553
31 Mar 23	₹16,550
31 Mar 24	₹27,030
31 Mar 25	₹29,212
31 Mar 26	₹28,800

ICICI Prudential Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181 Invest Now

Returns for ICICI Prudential Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 26

Duration	Returns
1 Month	9.3%
3 Month	3.5%
6 Month	1.2%
1 Year	11.4%
3 Year	25%
5 Year	27.1%
10 Year
15 Year
Since launch	15.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.7%
2024	27.4%
2023	44.6%
2022	28.8%
2021	50.1%
2020	3.6%
2019	2.6%
2018	-14%
2017	40.8%
2016	2%

Fund Manager information for ICICI Prudential Infrastructure Fund

Name	Since	Tenure
Ihab Dalwai	3 Jun 17	8.83 Yr.
Sharmila D’mello	30 Jun 22	3.76 Yr.

Data below for ICICI Prudential Infrastructure Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Industrials	47.14%
Financial Services	10.2%
Basic Materials	10.04%
Utility	9.84%
Real Estate	9.04%
Energy	6.55%
Consumer Cyclical	2.19%
Communication Services	0.09%

Asset Allocation

Asset Class	Value
Cash	4.96%
Equity	95.04%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
InterGlobe Aviation Ltd (Industrials) Equity, Since 28 Feb 23 \| INDIGO	9%	₹655 Cr	1,661,985 ↑ 270,536
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 09 \| LT	7%	₹528 Cr	1,505,704 ↑ 100,000
Oberoi Realty Ltd (Real Estate) Equity, Since 31 May 23 \| OBEROIRLTY	5%	₹374 Cr	2,636,802 ↑ 603,969
NTPC Ltd (Utilities) Equity, Since 29 Feb 16 \| 532555	5%	₹346 Cr	9,326,448
Shree Cement Ltd (Basic Materials) Equity, Since 30 Apr 24 \| 500387	3%	₹226 Cr	98,292 ↑ 33,738
Brigade Enterprises Ltd (Real Estate) Equity, Since 30 Nov 25 \| 532929	3%	₹219 Cr	3,363,877 ↑ 462,828
Container Corporation of India Ltd (Industrials) Equity, Since 31 Jan 16 \| CONCOR	3%	₹219 Cr	5,142,440 ↑ 2,109,364
Kalpataru Projects International Ltd (Industrials) Equity, Since 30 Sep 06 \| KPIL	3%	₹212 Cr	2,005,608 ↑ 73,641
AIA Engineering Ltd (Industrials) Equity, Since 28 Feb 21 \| AIAENG	3%	₹209 Cr	574,561
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 23 \| RELIANCE	3%	₹192 Cr	1,429,725 ↓ -100,000

3. DSP World Gold Fund

"The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized."

Research Highlights for DSP World Gold Fund

Bottom quartile AUM (₹1,769 Cr).
Established history (18+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 26.64% (upper mid).
3Y return: 47.40% (top quartile).
1Y return: 108.17% (top quartile).
Alpha: 1.04 (top quartile).
Sharpe: 2.16 (top quartile).
Information ratio: -0.83 (bottom quartile).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding BGF World Gold I2 (~69.9%).
Top-3 holdings concentration ~101.6%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (16 Apr 26)	₹62.7845 ↓ -0.85 (-1.34 %)
Net Assets (Cr)	₹1,769 on 31 Mar 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	2.16
Information Ratio	-0.83
Alpha Ratio	1.04
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹11,138
31 Mar 23	₹10,487
31 Mar 24	₹10,232
31 Mar 25	₹15,284
31 Mar 26	₹33,879

DSP World Gold Fund 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 DSP World Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 26

Duration	Returns
1 Month	5.7%
3 Month	6.5%
6 Month	30.2%
1 Year	108.2%
3 Year	47.4%
5 Year	26.6%
10 Year
15 Year
Since launch	10.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	167.1%
2024	15.9%
2023	7%
2022	-7.7%
2021	-9%
2020	31.4%
2019	35.1%
2018	-10.7%
2017	-4%
2016	52.7%

Fund Manager information for DSP World Gold Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	13.09 Yr.

Data below for DSP World Gold Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Basic Materials	94.27%

Asset Allocation

Asset Class	Value
Cash	3.92%
Equity	94.27%
Debt	0.01%
Other	1.8%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	70%	₹1,531 Cr	1,103,589 ↓ -74,069
VanEck Gold Miners ETF - \| GDX	28%	₹604 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	4%	₹90 Cr
Net Receivables/Payables Net Current Assets \| -	2%	-₹35 Cr

4. Invesco India PSU Equity Fund

To generate capital appreciation by investing in Equity and Equity Related Instruments of companies where the Central / State Government(s) has majority shareholding or management control or has powers to appoint majority of directors. 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.

Research Highlights for Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,335 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 26.52% (upper mid).
3Y return: 30.49% (upper mid).
1Y return: 16.77% (lower mid).
Alpha: -6.00 (bottom quartile).
Sharpe: 0.01 (upper mid).
Information ratio: -0.79 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding State Bank of India (~8.6%).

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund Growth
Launch Date	18 Nov 09
NAV (17 Apr 26)	₹68.74 ↑ 0.78 (1.15 %)
Net Assets (Cr)	₹1,335 on 31 Mar 26
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.14
Sharpe Ratio	0.01
Information Ratio	-0.79
Alpha Ratio	-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 21	₹10,000
31 Mar 22	₹12,277
31 Mar 23	₹13,931
31 Mar 24	₹25,544
31 Mar 25	₹26,724
31 Mar 26	₹27,849

Invesco India PSU Equity Fund 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 Invesco India PSU 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 17 Apr 26

Duration	Returns
1 Month	6.7%
3 Month	2.4%
6 Month	6.2%
1 Year	16.8%
3 Year	30.5%
5 Year	26.5%
10 Year
15 Year
Since launch	12.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	10.3%
2024	25.6%
2023	54.5%
2022	20.5%
2021	31.1%
2020	6.1%
2019	10.1%
2018	-16.9%
2017	24.3%
2016	17.9%

Fund Manager information for Invesco India PSU Equity Fund

Name	Since	Tenure
Hiten Jain	1 Jul 25	0.75 Yr.
Sagar Gandhi	1 Jul 25	0.75 Yr.

Data below for Invesco India PSU Equity Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Financial Services	30.35%
Industrials	28.06%
Utility	19.53%
Energy	13.58%
Basic Materials	3.6%
Consumer Cyclical	1.41%

Asset Allocation

Asset Class	Value
Cash	3.47%
Equity	96.53%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	9%	₹115 Cr	1,171,232
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| 532814	7%	₹98 Cr	1,157,444
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| HAL	7%	₹91 Cr	261,137
Bharat Petroleum Corp Ltd (Energy) Equity, Since 30 Sep 18 \| 500547	6%	₹86 Cr	3,076,024 ↑ 359,015
Bharat Electronics Ltd (Industrials) Equity, Since 31 Mar 17 \| BEL	6%	₹83 Cr	2,078,629 ↓ -237,890
NTPC Ltd (Utilities) Equity, Since 31 May 19 \| 532555	5%	₹67 Cr	1,801,543
Bank of Baroda (Financial Services) Equity, Since 30 Jun 21 \| 532134	5%	₹65 Cr	2,611,219 ↑ 133,663
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	5%	₹63 Cr	6,852,914 ↓ -2,276,906
REC Ltd (Financial Services) Equity, Since 31 Aug 23 \| 532955	4%	₹52 Cr	1,703,577
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 31 Aug 24 \| 500312	4%	₹52 Cr	1,821,612

5. Nippon India Power and Infra Fund

(Erstwhile Reliance Diversified Power Sector Fund)

The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies in the power sector.

Research Highlights for Nippon India Power and Infra Fund

Upper mid AUM (₹6,534 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (top quartile).
Risk profile: High.
5Y return: 25.34% (upper mid).
3Y return: 27.36% (lower mid).
1Y return: 14.60% (lower mid).
Alpha: -0.88 (bottom quartile).
Sharpe: -0.19 (bottom quartile).
Information ratio: 0.38 (top quartile).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Reliance Industries Ltd (~9.6%).

Below is the key information for Nippon India Power and Infra Fund

Nippon India Power and Infra Fund Growth
Launch Date	8 May 04
NAV (17 Apr 26)	₹369.92 ↑ 4.98 (1.36 %)
Net Assets (Cr)	₹6,534 on 31 Mar 26
Category	Equity - Sectoral
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.85
Sharpe Ratio	-0.19
Information Ratio	0.38
Alpha Ratio	-0.88
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 Mar 21	₹10,000
31 Mar 22	₹12,490
31 Mar 23	₹14,486
31 Mar 24	₹25,615
31 Mar 25	₹26,322
31 Mar 26	₹26,803

Nippon India Power and Infra 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 Nippon India Power and Infra Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 26

Duration	Returns
1 Month	9.3%
3 Month	10.4%
6 Month	5.2%
1 Year	14.6%
3 Year	27.4%
5 Year	25.3%
10 Year
15 Year
Since launch	17.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	-0.5%
2024	26.9%
2023	58%
2022	10.9%
2021	48.9%
2020	10.8%
2019	-2.9%
2018	-21.1%
2017	61.7%
2016	0.1%

Fund Manager information for Nippon India Power and Infra Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	7.86 Yr.
Rahul Modi	19 Aug 24	1.62 Yr.
Amber Singhania	11 Mar 26	0.06 Yr.

Data below for Nippon India Power and Infra Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Industrials	33.96%
Utility	23.84%
Energy	10.82%
Consumer Cyclical	10.6%
Basic Materials	6.71%
Technology	4.26%
Financial Services	2.97%
Communication Services	2.32%
Health Care	2.26%
Real Estate	1.63%

Asset Allocation

Asset Class	Value
Cash	0.62%
Equity	99.38%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 18 \| RELIANCE	10%	₹626 Cr	4,660,000
NTPC Ltd (Utilities) Equity, Since 31 May 09 \| 532555	8%	₹511 Cr	13,800,000 ↓ -1,700,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 07 \| LT	6%	₹408 Cr	1,164,337 ↑ 175,000
Tata Power Co Ltd (Utilities) Equity, Since 30 Apr 23 \| 500400	4%	₹288 Cr	7,600,789 ↓ -300,000
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	3%	₹226 Cr	24,491,079 ↑ 1,920,000
CG Power & Industrial Solutions Ltd (Industrials) Equity, Since 30 Sep 24 \| 500093	3%	₹178 Cr	2,720,014
Bharat Heavy Electricals Ltd (Industrials) Equity, Since 30 Sep 24 \| 500103	3%	₹168 Cr	6,848,468 ↓ -51,532
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Oct 19 \| 532538	2%	₹161 Cr	150,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 18 \| BHARTIARTL	2%	₹152 Cr	850,000 ↑ 70,000
NLC India Ltd (Utilities) Equity, Since 31 Aug 24 \| 513683	2%	₹149 Cr	5,531,878

6. DSP India T.I.G.E.R Fund

To generate capital appreciation, from a portfolio that is substantially constituted of equity securities and equity related securities of corporates, which could benefit from structural changes brought about by continuing liberalization in economic policies by the government and/or continuing investments in infrastructure, both by the public and private sector.

Research Highlights for DSP India T.I.G.E.R Fund

Upper mid AUM (₹4,979 Cr).
Established history (21+ yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 25.31% (lower mid).
3Y return: 27.39% (lower mid).
1Y return: 17.69% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.01 (lower mid).
Information ratio: 0.00 (upper mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding NTPC Ltd (~5.3%).

Below is the key information for DSP India T.I.G.E.R Fund

DSP India T.I.G.E.R Fund Growth
Launch Date	11 Jun 04
NAV (17 Apr 26)	₹339.045 ↑ 4.18 (1.25 %)
Net Assets (Cr)	₹4,979 on 31 Mar 26
Category	Equity - Sectoral
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.01
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹12,881
31 Mar 23	₹14,524
31 Mar 24	₹23,943
31 Mar 25	₹25,743
31 Mar 26	₹26,892

DSP India T.I.G.E.R 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 DSP India T.I.G.E.R Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 26

Duration	Returns
1 Month	9.7%
3 Month	9.4%
6 Month	7.3%
1 Year	17.7%
3 Year	27.4%
5 Year	25.3%
10 Year
15 Year
Since launch	17.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	-2.5%
2024	32.4%
2023	49%
2022	13.9%
2021	51.6%
2020	2.7%
2019	6.7%
2018	-17.2%
2017	47%
2016	4.1%

Fund Manager information for DSP India T.I.G.E.R Fund

Name	Since	Tenure
Rohit Singhania	21 Jun 10	15.79 Yr.

Data below for DSP India T.I.G.E.R Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Industrials	27.68%
Basic Materials	13.33%
Financial Services	13%
Utility	11.64%
Consumer Cyclical	8.63%
Energy	7.37%
Health Care	6.56%
Communication Services	3.04%
Real Estate	1.51%
Technology	1.43%
Consumer Defensive	0.96%

Asset Allocation

Asset Class	Value
Cash	4.85%
Equity	95.15%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
NTPC Ltd (Utilities) Equity, Since 30 Nov 17 \| 532555	5%	₹262 Cr	7,063,207
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 31 Dec 24 \| APOLLOHOSP	4%	₹224 Cr	301,630
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 04 \| LT	4%	₹206 Cr	588,665 ↓ -89,980
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 31 May 25 \| MCX	3%	₹163 Cr	680,825
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 18 \| BHARTIARTL	3%	₹151 Cr	849,969 ↑ 37,224
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Dec 24 \| AMBER	3%	₹144 Cr	219,234
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jan 25 \| 532898	3%	₹139 Cr	4,694,365 ↓ -873,209
Coal India Ltd (Energy) Equity, Since 31 Dec 23 \| COALINDIA	2%	₹122 Cr	2,705,180
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 31 Mar 24 \| 500312	2%	₹119 Cr	4,196,344
Kirloskar Oil Engines Ltd (Industrials) Equity, Since 31 Mar 23 \| KIRLOSENG	2%	₹111 Cr	834,973 ↓ -195,952

7. IDBI Gold Fund

The investment objective of the Scheme will be to generate returns that correspond closely to the returns generated by IDBI Gold Exchange Traded Fund (IDBI GOLD ETF).

Research Highlights for IDBI Gold Fund

Bottom quartile AUM (₹740 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 25.03% (lower mid).
3Y return: 33.17% (upper mid).
1Y return: 55.92% (upper mid).
1M return: -2.27% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 1.75 (upper mid).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding LIC MF Gold ETF (~99.9%).
Top-3 holdings concentration ~100.7%.

Below is the key information for IDBI Gold Fund

IDBI Gold Fund Growth
Launch Date	14 Aug 12
NAV (17 Apr 26)	₹39.0233 ↓ -0.13 (-0.33 %)
Net Assets (Cr)	₹740 on 31 Mar 26
Category	Gold - Gold
AMC	IDBI Asset Management Limited
Rating	Not Rated
Risk	Moderately High
Expense Ratio	0.64
Sharpe Ratio	1.75
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹11,326
31 Mar 23	₹13,152
31 Mar 24	₹14,542
31 Mar 25	₹19,185
31 Mar 26	₹30,548

IDBI Gold 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 IDBI Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 26

Duration	Returns
1 Month	-2.3%
3 Month	5.6%
6 Month	13.9%
1 Year	55.9%
3 Year	33.2%
5 Year	25%
10 Year
15 Year
Since launch	10.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	79%
2024	18.7%
2023	14.8%
2022	12%
2021	-4%
2020	24.2%
2019	21.6%
2018	5.8%
2017	1.4%
2016	8.3%

Fund Manager information for IDBI Gold Fund

Name	Since	Tenure
Sumit Bhatnagar	1 Jun 24	1.83 Yr.

Data below for IDBI Gold Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	1.71%
Other	98.29%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
LIC MF Gold ETF - \| -	100%	₹739 Cr	56,654,200 ↑ 56,100,858
Treps CBLO/Reverse Repo \| -	0%	₹3 Cr
Net Receivables / (Payables) Net Current Assets \| -	0%	-₹3 Cr

8. HDFC Infrastructure Fund

To seek long-term capital appreciation by investing predominantly in equity and equity related securities of companies engaged in or expected to benefit from growth and development of infrastructure.

Research Highlights for HDFC Infrastructure Fund

Lower mid AUM (₹2,132 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 24.91% (bottom quartile).
3Y return: 25.92% (bottom quartile).
1Y return: 5.87% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.48 (bottom quartile).
Information ratio: 0.00 (upper mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding Larsen & Toubro Ltd (~7.1%).

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund Growth
Launch Date	10 Mar 08
NAV (17 Apr 26)	₹47.143 ↑ 0.47 (1.01 %)
Net Assets (Cr)	₹2,132 on 31 Mar 26
Category	Equity - Sectoral
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	2.06
Sharpe Ratio	-0.48
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹12,519
31 Mar 23	₹14,565
31 Mar 24	₹26,127
31 Mar 25	₹27,396
31 Mar 26	₹26,533

HDFC Infrastructure 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 HDFC Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 26

Duration	Returns
1 Month	7.2%
3 Month	1.1%
6 Month	-2.2%
1 Year	5.9%
3 Year	25.9%
5 Year	24.9%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2025	2.2%
2024	23%
2023	55.4%
2022	19.3%
2021	43.2%
2020	-7.5%
2019	-3.4%
2018	-29%
2017	43.3%
2016	-1.9%

Fund Manager information for HDFC Infrastructure Fund

Name	Since	Tenure
Dhruv Muchhal	22 Jun 23	2.78 Yr.
Ashish Shah	1 Nov 25	0.41 Yr.

Data below for HDFC Infrastructure Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Industrials	40.41%
Financial Services	21.13%
Basic Materials	9.71%
Utility	8.12%
Energy	7.29%
Communication Services	4.13%
Real Estate	3.07%
Health Care	2.03%
Technology	1.29%
Consumer Cyclical	0.75%

Asset Allocation

Asset Class	Value
Cash	2.06%
Equity	97.94%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 12 \| LT	7%	₹173 Cr	403,500
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	6%	₹152 Cr	1,100,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Aug 23 \| HDFCBANK	5%	₹124 Cr	1,400,000
Kalpataru Projects International Ltd (Industrials) Equity, Since 31 Jan 23 \| KPIL	4%	₹97 Cr	778,285 ↑ 20,000
State Bank of India (Financial Services) Equity, Since 31 Mar 08 \| SBIN	4%	₹85 Cr	704,361
NTPC Ltd (Utilities) Equity, Since 31 Dec 17 \| NTPC	3%	₹84 Cr	2,200,000
J Kumar Infraprojects Ltd (Industrials) Equity, Since 31 Oct 15 \| JKIL	3%	₹74 Cr	1,400,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Dec 21 \| INDIGO	3%	₹72 Cr	150,000
Reliance Industries Ltd (Energy) Equity, Since 31 May 24 \| RELIANCE	3%	₹70 Cr	500,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 24 \| AXISBANK	3%	₹69 Cr	500,000

9. SBI Gold Fund

The scheme seeks to provide returns that closely correspond to returns provided by SBI - ETF Gold (Previously known as SBI GETS).

Research Highlights for SBI Gold Fund

Highest AUM (₹14,998 Cr).
Established history (14+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 24.85% (bottom quartile).
3Y return: 34.02% (top quartile).
1Y return: 56.89% (top quartile).
1M return: -2.63% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 1.95 (top quartile).
Information ratio: 0.00 (lower mid).
Top bond sector: Cash Equivalent.
Largest holding SBI Gold ETF (~100.0%).
Top-3 holdings concentration ~101.1%.

Below is the key information for SBI Gold Fund

SBI Gold Fund Growth
Launch Date	12 Sep 11
NAV (17 Apr 26)	₹44 ↓ -0.26 (-0.59 %)
Net Assets (Cr)	₹14,998 on 31 Mar 26
Category	Gold - Gold
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	0.3
Sharpe Ratio	1.95
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 21	₹10,000
31 Mar 22	₹11,479
31 Mar 23	₹13,282
31 Mar 24	₹14,673
31 Mar 25	₹19,214
31 Mar 26	₹31,308

SBI Gold 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 SBI Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 26

Duration	Returns
1 Month	-2.6%
3 Month	5.9%
6 Month	15.4%
1 Year	56.9%
3 Year	34%
5 Year	24.8%
10 Year
15 Year
Since launch	10.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	71.5%
2024	19.6%
2023	14.1%
2022	12.6%
2021	-5.7%
2020	27.4%
2019	22.8%
2018	6.4%
2017	3.5%
2016	10%

Fund Manager information for SBI Gold Fund

Name	Since	Tenure
Viral Chhadva	1 Mar 26	0.08 Yr.

Data below for SBI Gold Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	1.5%
Other	98.5%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
SBI Gold ETF - \| -	100%	₹15,004 Cr	1,199,486,194 ↑ 43,299,851
Net Receivable / Payable CBLO \| -	1%	-₹82 Cr
Treps CBLO/Reverse Repo \| -	1%	₹75 Cr

10. Franklin Build India Fund

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

Research Highlights for Franklin Build India Fund

Lower mid AUM (₹2,858 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: High.
5Y return: 24.81% (bottom quartile).
3Y return: 27.04% (bottom quartile).
1Y return: 12.35% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.11 (lower mid).
Information ratio: 0.00 (lower mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding Larsen & Toubro Ltd (~9.0%).

Below is the key information for Franklin Build India Fund

Franklin Build India Fund Growth
Launch Date	4 Sep 09
NAV (17 Apr 26)	₹147.592 ↑ 1.16 (0.79 %)
Net Assets (Cr)	₹2,858 on 31 Mar 26
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	2.01
Sharpe Ratio	-0.11
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 21	₹10,000
31 Mar 22	₹12,573
31 Mar 23	₹14,151
31 Mar 24	₹24,221
31 Mar 25	₹25,876
31 Mar 26	₹26,604

Franklin Build India 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 Franklin Build India Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 26

Duration	Returns
1 Month	6.8%
3 Month	4.9%
6 Month	2.8%
1 Year	12.3%
3 Year	27%
5 Year	24.8%
10 Year
15 Year
Since launch	17.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	3.7%
2024	27.8%
2023	51.1%
2022	11.2%
2021	45.9%
2020	5.4%
2019	6%
2018	-10.7%
2017	43.3%
2016	8.4%

Fund Manager information for Franklin Build India Fund

Name	Since	Tenure
Ajay Argal	18 Oct 21	4.45 Yr.
Kiran Sebastian	7 Feb 22	4.15 Yr.
Sandeep Manam	18 Oct 21	4.45 Yr.

Data below for Franklin Build India Fund as on 31 Mar 26

Equity Sector Allocation

Sector	Value
Industrials	35.45%
Financial Services	15.13%
Utility	13.58%
Energy	13.01%
Basic Materials	7.31%
Communication Services	7.17%
Real Estate	2.41%
Consumer Cyclical	1.51%
Technology	1%

Asset Allocation

Asset Class	Value
Cash	3.44%
Equity	96.56%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 29 Feb 20 \| LT	9%	₹285 Cr	665,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 29 Feb 20 \| INDIGO	6%	₹203 Cr	420,000 ↑ 70,000
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 30 Jun 19 \| ONGC	6%	₹191 Cr	6,825,000
Reliance Industries Ltd (Energy) Equity, Since 31 Oct 21 \| RELIANCE	6%	₹176 Cr	1,260,000
NTPC Ltd (Utilities) Equity, Since 30 Nov 16 \| NTPC	5%	₹152 Cr	3,978,727
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 12 \| AXISBANK	4%	₹138 Cr	1,000,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 09 \| BHARTIARTL	4%	₹133 Cr	710,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 25 \| HDFCBANK	4%	₹133 Cr	1,500,000
State Bank of India (Financial Services) Equity, Since 31 Jul 14 \| SBIN	4%	₹114 Cr	950,000 ↓ -50,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 28 Feb 21 \| POWERGRID	3%	₹108 Cr	3,600,000

മ്യൂച്വൽ ഫണ്ട് SIP ഓൺലൈനിൽ എങ്ങനെ നിക്ഷേപിക്കാം?

Fincash.com-ൽ ആജീവനാന്ത സൗജന്യ നിക്ഷേപ അക്കൗണ്ട് തുറക്കുക.

നിങ്ങളുടെ രജിസ്ട്രേഷനും KYC പ്രക്രിയയും പൂർത്തിയാക്കുക

രേഖകൾ അപ്‌ലോഡ് ചെയ്യുക (പാൻ, ആധാർ മുതലായവ).കൂടാതെ, നിങ്ങൾ നിക്ഷേപിക്കാൻ തയ്യാറാണ്!

തുടങ്ങി

പതിവുചോദ്യങ്ങൾ

1. തുക ഡെബിറ്റ് ചെയ്യേണ്ട സമയം എനിക്ക് തിരഞ്ഞെടുക്കാനാകുമോ?

എ: ഇല്ല, നിങ്ങളിൽ നിന്ന് തുക ഡെബിറ്റ് ചെയ്യുന്ന കാലയളവ്ബാങ്ക് നിങ്ങൾ നിക്ഷേപിക്കാൻ തീരുമാനിച്ച SIP-യെ ആശ്രയിച്ചിരിക്കും അക്കൗണ്ട്. നിങ്ങൾക്ക് തിരഞ്ഞെടുക്കാംഒരു എസ്‌ഐപിയിൽ നിക്ഷേപിക്കുക ഒരു വർഷം മുതൽ 10+ വർഷം വരെ. SIP-യുടെ കാലാവധിയെ ആശ്രയിച്ച്, തുക നിങ്ങളുടെ അക്കൗണ്ടിൽ നിന്ന് കുറയ്ക്കും.

2. എസ്‌ഐ‌പിയുടെ കാലയളവും കാലാവധിയും ഒരേ കാര്യമാണോ?

എ: അതെ, അവർ ഒന്നുതന്നെയാണ്. നിങ്ങൾ ഓഫർ ഡോക്യുമെന്റ് വായിക്കുമ്പോൾ, SIP കാലാവധി ശ്രദ്ധാപൂർവ്വം പരിശോധിക്കുക, ഇത് നിങ്ങളുടെ അക്കൗണ്ടിൽ നിന്ന് അവർ പണം കുറയ്ക്കുന്ന കാലയളവ്/കാലാവധി എന്നിവയെ അറിയിക്കും. കാലാവധി തിരഞ്ഞെടുക്കുന്നത് പൂർണ്ണമായും നിക്ഷേപകന്റെ തിരഞ്ഞെടുപ്പാണ്.

3. SIP-കളുടെ കാലാവധി മാറ്റാനാകുമോ?

എ: SIP നിർബന്ധമാക്കുന്ന ഒരു പ്ലാൻ നിങ്ങൾ തിരഞ്ഞെടുത്തിട്ടുണ്ടെങ്കിൽ, നിങ്ങൾ ആ കാലാവധി പൂർത്തിയാക്കേണ്ടതുണ്ട്. കാലാവധി കഴിഞ്ഞാൽ മുഴുവൻ തുകയും പിൻവലിക്കാം. എന്നിരുന്നാലും, നിങ്ങൾക്ക് നിക്ഷേപം പുതുക്കണമെങ്കിൽ, കാലാവധി മാറ്റുകയും കൂടുതൽ വിപുലീകൃത മാൻഡേറ്റ് ഉള്ള മറ്റൊരു SIP തിരഞ്ഞെടുക്കുകയും ചെയ്യാം.

4. SIP-കൾക്കുള്ള നിക്ഷേപ തുക എനിക്ക് മാറ്റാനാകുമോ?

എ: ഫ്ലെക്സിബിൾ എസ്ഐപികളിൽ നിക്ഷേപിക്കാൻ നിങ്ങൾക്ക് തിരഞ്ഞെടുക്കാം. നിക്ഷേപ കാലയളവിൽ നിങ്ങൾക്ക് നിക്ഷേപിക്കാവുന്ന പണത്തിന്റെ തുക മാറ്റാൻ ഈ SIP-കൾ നിങ്ങളെ അനുവദിക്കുന്നു. നിങ്ങളുടെ കാലാവധിയിൽ, SIP-കളിൽ നിക്ഷേപിക്കാൻ ആഗ്രഹിക്കുന്ന പണത്തിന്റെ തുക നിങ്ങൾക്ക് അനുസരിച്ച് മാറ്റാവുന്നതാണ്പണമൊഴുക്ക്.

5. ദീർഘകാല SIP-കൾ എന്തൊക്കെയാണ്?

എ: നിങ്ങൾ ഏകദേശം 5 മുതൽ 10 വർഷം വരെ നിക്ഷേപിക്കുന്ന ഒന്നാണ് ദീർഘകാല SIP. മികച്ച റിട്ടേൺ നൽകാൻ ദീർഘകാല SIP-കൾക്ക് കൂടുതൽ അവസരങ്ങളുണ്ട്.

6. കാലാവധിക്ക് മുമ്പ് എനിക്ക് ഒരു SIP-ൽ നിന്ന് പിൻവലിക്കാനാകുമോ?

എ: ഒരു എസ്‌ഐ‌പിയുടെ കാലാവധി പൂർത്തിയാകുന്നതിന് മുമ്പ് നിങ്ങൾ അതിൽ നിന്ന് പിന്മാറിയില്ലെങ്കിൽ അത് നല്ലതാണ്. ചിലപ്പോൾ നിക്ഷേപത്തിന് എക്‌സിറ്റ് ലോഡ് ഉണ്ടാകണമെന്നില്ല, പക്ഷേ അത് പൂർണ്ണമായും പ്രത്യേക എസ്‌ഐപിയെ ആശ്രയിച്ചിരിക്കുന്നു. നിങ്ങൾ നടത്തുന്ന നിക്ഷേപത്തെക്കുറിച്ച് നിങ്ങൾക്ക് ഉറപ്പില്ലെങ്കിൽ, ഒരു വർഷത്തേക്ക് 500 രൂപ മാത്രം നിക്ഷേപിച്ച് ചെറുതായി തുടങ്ങണം. നിങ്ങളുടെ റിസ്ക് എടുക്കുന്ന വിശപ്പ് വർദ്ധിക്കുന്നതിനനുസരിച്ച്, നിങ്ങളുടെ നിക്ഷേപം വർദ്ധിപ്പിക്കാൻ കഴിയും.

Disclaimer:
ഇവിടെ നൽകിയിരിക്കുന്ന വിവരങ്ങൾ കൃത്യമാണെന്ന് ഉറപ്പാക്കാൻ എല്ലാ ശ്രമങ്ങളും നടത്തിയിട്ടുണ്ട്. എന്നിരുന്നാലും, ഡാറ്റയുടെ കൃത്യത സംബന്ധിച്ച് യാതൊരു ഉറപ്പും നൽകുന്നില്ല. എന്തെങ്കിലും നിക്ഷേപം നടത്തുന്നതിന് മുമ്പ് സ്കീം വിവര രേഖ ഉപയോഗിച്ച് പരിശോധിക്കുക.