ഫിൻകാഷ് »മ്യൂച്വൽ ഫണ്ടുകൾ »മികച്ച സൊല്യൂഷൻ ഓറിയന്റഡ് സ്കീമുകൾ
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സെക്യൂരിറ്റി ആൻഡ് എക്സ്ചേഞ്ച് ബോർഡ് ഓഫ് ഇന്ത്യ (സെബി) കീഴിൽ 'സൊല്യൂഷൻ ഓറിയന്റഡ് സ്കീമുകൾ' എന്ന പുതിയ വർഗ്ഗീകരണം അവതരിപ്പിച്ചുമ്യൂച്വൽ ഫണ്ടുകൾ. ദീർഘകാല ലക്ഷ്യ ആസൂത്രണത്തിന് ഈ ഫണ്ടുകൾ പ്രധാനമാണ്, പ്രത്യേകിച്ച്-വിരമിക്കൽ ആസൂത്രണം ഒരു കുട്ടിയുടെ വിദ്യാഭ്യാസവും. അതിനാൽ, നിങ്ങൾ സമാനമായ ലക്ഷ്യത്തോടെ എന്തെങ്കിലും നോക്കുകയാണെങ്കിൽനിക്ഷേപിക്കുന്നു, എങ്കിൽ നിങ്ങൾ ശരിയായ സ്ഥലത്താണ്. ഈ ഫണ്ടുകൾ വിശദമായി നോക്കാം, ഒപ്പം നിക്ഷേപിക്കുന്നതിനുള്ള ചില മികച്ച പരിഹാര സ്കീമുകളും.
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പ്രധാനമായും റിട്ടയർമെന്റ് ആസൂത്രണവും കുട്ടിയുടെ ഭാവി വിദ്യാഭ്യാസവും ഉൾപ്പെടുന്ന ദീർഘകാല സമ്പത്ത് സൃഷ്ടിക്കാൻ ആഗ്രഹിക്കുന്ന നിക്ഷേപകർക്ക് സൊല്യൂഷൻ ഓറിയന്റഡ് സ്കീമുകൾ സഹായകരമാണ്.മ്യൂച്വൽ ഫണ്ടുകളിൽ നിക്ഷേപിക്കുന്നു. നേരത്തെ, ഈ പ്ലാനുകൾ ഇക്വിറ്റി അല്ലെങ്കിൽ ബാലൻസ്ഡ് സ്കീമുകളുടെ ഭാഗമായിരുന്നു, എന്നാൽ സെബിയുടെ പുതിയ സർക്കുലേഷൻ അനുസരിച്ച്, ഈ ഫണ്ടുകൾ സൊല്യൂഷൻ ഓറിയന്റഡ് സ്കീമുകൾക്ക് കീഴിൽ പ്രത്യേകം തരം തിരിച്ചിരിക്കുന്നു.
കൂടാതെ, ഈ സ്കീമുകൾക്ക് മൂന്ന് വർഷത്തേക്ക് ലോക്ക്-ഇൻ ഉണ്ടായിരുന്നു, എന്നാൽ ഇപ്പോൾ ഈ ഫണ്ടുകൾക്ക് അഞ്ച് വർഷത്തെ നിർബന്ധിത ലോക്ക്-ഇൻ ഉണ്ട്. ഈ നിക്ഷേപ ലക്ഷ്യങ്ങൾ കൈവരിക്കുന്നതിന് നിക്ഷേപകരെ ദീർഘകാലത്തേക്ക് നിക്ഷേപിച്ച് നിർത്തുന്നതിനുള്ള മികച്ച മാർഗമാണിത്. ഇത് നിക്ഷേപങ്ങളിൽ അച്ചടക്കം പാലിക്കുന്നു.
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2023 (%) Tata Retirement Savings Fund - Progressive Growth ₹65.7401
↓ -1.49 ₹2,108 -1.7 2.1 20.4 13.9 16.5 21.7 Tata Retirement Savings Fund-Moderate Growth ₹63.6687
↓ -1.32 ₹2,177 -1 2.4 18.3 12.9 15.4 19.5 SBI Magnum Children's Benefit Plan Growth ₹106.926
↓ -0.63 ₹124 0.8 6.6 16.6 11.7 13.6 17.4 Tata Retirement Savings Fund - Conservative Growth ₹30.8008
↓ -0.21 ₹176 -0.3 2 9.5 7 8.2 9.9 ICICI Prudential Child Care Plan (Gift) Growth ₹303.39
↓ -5.55 ₹1,320 -4.8 -3.1 15.1 15.2 16 16.9 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 6 Jan 25
To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance
that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends. Tata Retirement Savings Fund - Progressive is a Solutions - Retirement Fund fund was launched on 1 Nov 11. It is a fund with Moderately High risk and has given a Below is the key information for Tata Retirement Savings Fund - Progressive Returns up to 1 year are on To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance
that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends. Tata Retirement Savings Fund-Moderate is a Solutions - Retirement Fund fund was launched on 1 Nov 11. It is a fund with Moderately High risk and has given a Below is the key information for Tata Retirement Savings Fund-Moderate Returns up to 1 year are on To provide attractive returns to the Magnum holders / Unit holders by means
of capital appreciation through an actively managed portfolio of debt, equity
and money market instruments. Income generated through the receipt of coupon payments, the amortization of the discount on the debt instruments, receipt of dividends or purchase and sale of securities in the underlying portfolio, will be reinvested. SBI Magnum Children's Benefit Plan is a Solutions - Childrens Fund fund was launched on 21 Feb 02. It is a fund with Moderately High risk and has given a Below is the key information for SBI Magnum Children's Benefit Plan Returns up to 1 year are on To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance
that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends. Tata Retirement Savings Fund - Conservative is a Solutions - Retirement Fund fund was launched on 1 Nov 11. It is a fund with Moderately High risk and has given a Below is the key information for Tata Retirement Savings Fund - Conservative Returns up to 1 year are on The primary investment objective of the Study Plan is to seek generation of current income by creating a portfolio that is invested in debt, money market instruments and equity and equity related securities. ICICI Prudential Child Care Plan (Gift) is a Solutions - Childrens Fund fund was launched on 31 Aug 01. It is a fund with Moderately High risk and has given a Below is the key information for ICICI Prudential Child Care Plan (Gift) Returns up to 1 year are on 1. Tata Retirement Savings Fund - Progressive
CAGR/Annualized
return of 15.4% since its launch. Ranked 6 in Retirement Fund
category. Return for 2024 was 21.7% , 2023 was 29% and 2022 was -3.9% . Tata Retirement Savings Fund - Progressive
Growth Launch Date 1 Nov 11 NAV (06 Jan 25) ₹65.7401 ↓ -1.49 (-2.21 %) Net Assets (Cr) ₹2,108 on 30 Nov 24 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 0 Sharpe Ratio 1.7 Information Ratio -0.34 Alpha Ratio 3.82 Min Investment 5,000 Min SIP Investment 150 Exit Load 0-60 Years (1%),60 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹11,443 31 Dec 21 ₹14,106 31 Dec 22 ₹13,550 31 Dec 23 ₹17,475 31 Dec 24 ₹21,265 Returns for Tata Retirement Savings Fund - Progressive
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 6 Jan 25 Duration Returns 1 Month -3.1% 3 Month -1.7% 6 Month 2.1% 1 Year 20.4% 3 Year 13.9% 5 Year 16.5% 10 Year 15 Year Since launch 15.4% Historical performance (Yearly) on absolute basis
Year Returns 2023 21.7% 2022 29% 2021 -3.9% 2020 23.3% 2019 14.4% 2018 11.5% 2017 -6.1% 2016 49.1% 2015 3.1% 2014 7.8% Fund Manager information for Tata Retirement Savings Fund - Progressive
Name Since Tenure Murthy Nagarajan 1 Apr 17 7.76 Yr. Sonam Udasi 1 Apr 16 8.76 Yr. Data below for Tata Retirement Savings Fund - Progressive as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 5.62% Equity 94.38% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK6% ₹135 Cr 754,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Aug 20 | TCS5% ₹96 Cr 225,000
↑ 81,000 ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 18 | ITC4% ₹82 Cr 1,728,000 Zomato Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | 5433204% ₹76 Cr 2,718,000 Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 22 | SOLARINDS3% ₹67 Cr 62,440
↑ 8,685 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | RADICO3% ₹61 Cr 249,600 BSE Ltd (Financial Services)
Equity, Since 31 May 24 | BSE3% ₹61 Cr 130,000
↓ -16,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE3% ₹56 Cr 436,000 Sonata Software Ltd (Technology)
Equity, Since 30 Apr 24 | SONATSOFTW2% ₹50 Cr 796,530
↑ 49,530 DOMS Industries Ltd (Industrials)
Equity, Since 31 Dec 23 | DOMS2% ₹50 Cr 165,996 2. Tata Retirement Savings Fund-Moderate
CAGR/Annualized
return of 15.1% since its launch. Ranked 2 in Retirement Fund
category. Return for 2024 was 19.5% , 2023 was 25.3% and 2022 was -1.9% . Tata Retirement Savings Fund-Moderate
Growth Launch Date 1 Nov 11 NAV (06 Jan 25) ₹63.6687 ↓ -1.32 (-2.04 %) Net Assets (Cr) ₹2,177 on 30 Nov 24 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 0 Sharpe Ratio 1.76 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 150 Exit Load 0-60 Years (1%),60 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹11,506 31 Dec 21 ₹13,863 31 Dec 22 ₹13,601 31 Dec 23 ₹17,048 31 Dec 24 ₹20,375 Returns for Tata Retirement Savings Fund-Moderate
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 6 Jan 25 Duration Returns 1 Month -2.8% 3 Month -1% 6 Month 2.4% 1 Year 18.3% 3 Year 12.9% 5 Year 15.4% 10 Year 15 Year Since launch 15.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 19.5% 2022 25.3% 2021 -1.9% 2020 20.5% 2019 15.1% 2018 8.6% 2017 -3.6% 2016 38.8% 2015 6.7% 2014 7.7% Fund Manager information for Tata Retirement Savings Fund-Moderate
Name Since Tenure Murthy Nagarajan 1 Apr 17 7.76 Yr. Sonam Udasi 1 Apr 16 8.76 Yr. Data below for Tata Retirement Savings Fund-Moderate as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 12.84% Equity 79.83% Debt 7.33% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK6% ₹123 Cr 687,500 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Aug 20 | TCS4% ₹85 Cr 198,000
↑ 72,000 ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 18 | ITC3% ₹75 Cr 1,576,000 Zomato Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | 5433203% ₹66 Cr 2,367,000 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | RADICO3% ₹66 Cr 266,500 Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 22 | SOLARINDS3% ₹58 Cr 53,932
↑ 6,532 Kirloskar Pneumatic Co Ltd (Industrials)
Equity, Since 31 Aug 22 | 5052832% ₹54 Cr 305,000 BSE Ltd (Financial Services)
Equity, Since 31 May 24 | BSE2% ₹54 Cr 115,000
↓ -17,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE2% ₹48 Cr 374,000 Sonata Software Ltd (Technology)
Equity, Since 30 Apr 24 | SONATSOFTW2% ₹44 Cr 696,300
↑ 43,800 3. SBI Magnum Children's Benefit Plan
CAGR/Annualized
return of since its launch. Ranked 1 in Childrens Fund
category. Return for 2024 was 17.4% , 2023 was 16.9% and 2022 was 1.9% . SBI Magnum Children's Benefit Plan
Growth Launch Date 21 Feb 02 NAV (06 Jan 25) ₹106.926 ↓ -0.63 (-0.59 %) Net Assets (Cr) ₹124 on 15 Dec 24 Category Solutions - Childrens Fund AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.2 Sharpe Ratio 2.77 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (3%),1-2 Years (2%),2-3 Years (1%),3 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹11,482 31 Dec 21 ₹13,582 31 Dec 22 ₹13,847 31 Dec 23 ₹16,193 31 Dec 24 ₹19,015
Purchase not allowed Returns for SBI Magnum Children's Benefit Plan
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 6 Jan 25 Duration Returns 1 Month -0.8% 3 Month 0.8% 6 Month 6.6% 1 Year 16.6% 3 Year 11.7% 5 Year 13.6% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2023 17.4% 2022 16.9% 2021 1.9% 2020 18.3% 2019 14.8% 2018 2.6% 2017 0.1% 2016 24.3% 2015 16.1% 2014 7% Fund Manager information for SBI Magnum Children's Benefit Plan
Name Since Tenure R. Srinivasan 13 Jan 21 3.97 Yr. Rajeev Radhakrishnan 9 Jun 08 16.57 Yr. Pradeep Kesavan 31 Dec 23 1 Yr. Data below for SBI Magnum Children's Benefit Plan as on 15 Dec 24
Asset Allocation
Asset Class Value Cash 7.95% Equity 21.77% Debt 70.27% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.38% State Government Of Uttar Pradesh 2036
Sovereign Bonds | -12% ₹15 Cr 1,500,000 7.18% Govt Stock 2033
Sovereign Bonds | -8% ₹10 Cr 1,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -8% ₹10 Cr 1,000,000 7.34% Govt Stock 2064
Sovereign Bonds | -4% ₹5 Cr 500,000 7.3% Govt Stock 2053
Sovereign Bonds | -4% ₹5 Cr 500,000 Rajasthan (Government of ) 7.49%
- | -4% ₹5 Cr 500,000 Sundaram Finance Limited
Debentures | -4% ₹5 Cr 500 Nexus Select Trust
Debentures | -4% ₹5 Cr 500 Mahindra & Mahindra Financial Services Ltd
Debentures | -4% ₹5 Cr 500 Gs CG 16/12/2026 - (Strips) Tb
Sovereign Bonds | -3% ₹3 Cr 375,000 4. Tata Retirement Savings Fund - Conservative
CAGR/Annualized
return of 8.9% since its launch. Ranked 7 in Retirement Fund
category. Return for 2024 was 9.9% , 2023 was 12.1% and 2022 was 0.1% . Tata Retirement Savings Fund - Conservative
Growth Launch Date 1 Nov 11 NAV (06 Jan 25) ₹30.8008 ↓ -0.21 (-0.68 %) Net Assets (Cr) ₹176 on 15 Dec 24 Category Solutions - Retirement Fund AMC Tata Asset Management Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 0 Sharpe Ratio 1.44 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-60 Years (1%),60 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹11,183 31 Dec 21 ₹12,031 31 Dec 22 ₹12,044 31 Dec 23 ₹13,498 31 Dec 24 ₹14,833 Returns for Tata Retirement Savings Fund - Conservative
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 6 Jan 25 Duration Returns 1 Month -1.1% 3 Month -0.3% 6 Month 2% 1 Year 9.5% 3 Year 7% 5 Year 8.2% 10 Year 15 Year Since launch 8.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 9.9% 2022 12.1% 2021 0.1% 2020 7.6% 2019 11.8% 2018 7.6% 2017 0.8% 2016 15.1% 2015 10.6% 2014 6.4% Fund Manager information for Tata Retirement Savings Fund - Conservative
Name Since Tenure Murthy Nagarajan 1 Apr 17 7.76 Yr. Sonam Udasi 1 Apr 16 8.76 Yr. Data below for Tata Retirement Savings Fund - Conservative as on 15 Dec 24
Asset Allocation
Asset Class Value Cash 27.12% Equity 29.75% Debt 43.13% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.17% Govt Stock 2030
Sovereign Bonds | -9% ₹15 Cr 1,500,000 7.38% Govt Stock 2027
Sovereign Bonds | -9% ₹15 Cr 1,500,000 7.36% Govt Stock 2052
Sovereign Bonds | -6% ₹10 Cr 1,000,000 7.27% Govt Stock 2026
Sovereign Bonds | -6% ₹10 Cr 1,000,000 Jamnagar Utilities & Power Private Limited
Debentures | -6% ₹10 Cr 100 8.24% Govt Stock 2027
Sovereign Bonds | -3% ₹5 Cr 500,000 8.2% Govt Stock 2025
Sovereign Bonds | -3% ₹5 Cr 500,000 Bharti Telecom Limited
Debentures | -3% ₹5 Cr 50 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK2% ₹4 Cr 20,750 ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 18 | ITC1% ₹3 Cr 55,000 5. ICICI Prudential Child Care Plan (Gift)
CAGR/Annualized
return of 15.7% since its launch. Ranked 24 in Childrens Fund
category. Return for 2024 was 16.9% , 2023 was 29.2% and 2022 was 2.6% . ICICI Prudential Child Care Plan (Gift)
Growth Launch Date 31 Aug 01 NAV (06 Jan 25) ₹303.39 ↓ -5.55 (-1.80 %) Net Assets (Cr) ₹1,320 on 30 Nov 24 Category Solutions - Childrens Fund AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk Moderately High Expense Ratio 2.39 Sharpe Ratio 1.61 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (3%),1-2 Years (2%),2-3 Years (1%),3 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹10,877 31 Dec 21 ₹13,571 31 Dec 22 ₹13,923 31 Dec 23 ₹17,985 31 Dec 24 ₹21,032 Returns for ICICI Prudential Child Care Plan (Gift)
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 6 Jan 25 Duration Returns 1 Month -4.7% 3 Month -4.8% 6 Month -3.1% 1 Year 15.1% 3 Year 15.2% 5 Year 16% 10 Year 15 Year Since launch 15.7% Historical performance (Yearly) on absolute basis
Year Returns 2023 16.9% 2022 29.2% 2021 2.6% 2020 24.8% 2019 8.8% 2018 8.5% 2017 -1.9% 2016 25% 2015 6.9% 2014 0.2% Fund Manager information for ICICI Prudential Child Care Plan (Gift)
Name Since Tenure Lalit Kumar 1 Jun 22 2.59 Yr. Sharmila D’mello 30 Jun 22 2.51 Yr. Darshil Dedhia 22 Jan 24 0.94 Yr. Rohit Lakhotia 12 Jun 23 1.56 Yr. Data below for ICICI Prudential Child Care Plan (Gift) as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 3.78% Equity 83.65% Debt 12.57% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 18 | BHARTIARTL6% ₹75 Cr 462,833
↓ -70,924 UltraTech Cement Ltd (Basic Materials)
Equity, Since 30 Jun 22 | ULTRACEMCO6% ₹75 Cr 66,700 Tech Mahindra Ltd (Technology)
Equity, Since 31 Jul 23 | TECHM5% ₹67 Cr 390,552
↑ 200,000 InterGlobe Aviation Ltd (Industrials)
Equity, Since 29 Feb 24 | INDIGO5% ₹65 Cr 147,633 7.53% Govt Stock 2034
Sovereign Bonds | -4% ₹59 Cr 5,866,260 Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 30 Sep 24 | M&M3% ₹45 Cr 151,848
↑ 41,848 JSW Steel Ltd (Basic Materials)
Equity, Since 31 Aug 22 | JSWSTEEL3% ₹40 Cr 409,287 Info Edge (India) Ltd (Communication Services)
Equity, Since 31 Aug 24 | NAUKRI3% ₹37 Cr 44,310
↑ 19,310 7.18% Govt Stock 2033
Sovereign Bonds | -3% ₹36 Cr 3,500,000 Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 30 Jun 24 | ADANIPORTS3% ₹36 Cr 300,000
↑ 100,000
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