Table of Contents
Top 10 Funds
A mutual fund represents an investment vehicle wherein funds from numerous investors are consolidated into a single investment product. Subsequently, the fund directs these assets towards Investing in diverse assets, aligning with the fund's investment objectives.
The market offers many mutual fund varieties, which can be overwhelming for you due to the extensive range of available products. Nevertheless, you must acknowledge that no single scheme or group of schemes is universally suitable. The ideal mutual fund scheme for you aligns with your investment objectives and risk tolerance, among other factors. In this post, let's learn about good Mutual Funds and the factors you should consider when selecting a scheme.
Mutual funds encompass various types categorised by underlying assets, including gold, debt, or equity. These include hybrid, debt, and equity mutual funds, each with distinct objectives and risk profiles.
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Here are the diverse Types of Mutual Funds:
Fixed Income Funds: These mutual funds invest in fixed-income securities, including short-term Bonds, long-term bonds, floating rate debt, and money market instruments.
Equity Funds: Equity Funds mainly invest in stocks and can be actively or passively managed.
Equity Linked Savings Schemes (ELSS): This close-ended equity mutual fund offers tax-saving benefits under Section 80C of the income tax Act while aiming for wealth accumulation.
Diversified Funds: You can diversify your investments across multiple sectors or industries with this type of mutual fund.
Gilt Funds: These funds allocate investments to government securities without default risk.
Index Funds: Investments in Index Funds mirror the performance of a stock market index.
Liquid Funds: These investment plans primarily allocate funds to short-term money market instruments featuring shorter maturity periods.
Debt-Oriented Hybrid Funds: Combining debt and equity investments, these funds offer a balanced approach.
Arbitrage Funds: Treated as equity plans for tax purposes, these funds invest in cash and derivatives markets.
Mutual fund schemes offer a range of convenient and flexible investment modes tailored to meet specific requirements, with the most popular being lump sum and Systematic Investment plan (SIP).
Lump sum investment involves a single substantial investment made by an investor in any mutual fund scheme. However, spreading out investments over the entire financial year is advisable for optimal results. This strategy helps average the purchase cost and mitigate volatility, fostering financial discipline.
SIP entails investing a fixed amount regularly in a mutual fund scheme at predefined intervals. It operates akin to regular saving schemes like a Recurring deposit. Under SIP, investments are routinely made, such as weekly, monthly, or quarterly. For instance, if you plan to invest Rs. 1,20,000 in March as a lump sum, you would allocate Rs. 10,000 per month through an SIP. SIP is recommended for mutual fund investments, particularly equity-oriented funds, to alleviate stress and benefit from consistent investing.
Here's a breakdown of how taxation is applied to mutual funds in India:
Several aspects play a crucial role in selecting the top-performing mutual funds in India:
Investment Horizon: Mutual funds typically fall into short-term and long-term categories. Choose for stocks and bonds with higher risk for short-term investments, offering potentially higher returns. For long-term investments, choose low-risk options with steady growth potential.
Financial goals: Define your financial objectives before investing to determine the most suitable fund category. Consider risk tolerance, liquidity needs, time horizon, and others to make informed decisions.
Fund Performance: Assess a fund's performance over at least five years to gauge its suitability for investment.
Fund Manager Experience: Prioritise funds managed by seasoned fund managers with extensive experience. Investing in such funds provides security as experienced managers can navigate various market conditions effectively.
Expense Ratio: Choose for funds with expense ratios below 1.00%, representing the cumulative expenses covering advertising costs, fund manager salaries, and other related expenses.
Risk Tolerance: Understand your risk tolerance levels to gain clarity on the expected returns from your investment.
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Principal Emerging Bluechip Fund Growth ₹183.316
↑ 2.03 ₹3,124 2.9 13.6 38.9 21.9 19.2 Motilal Oswal Multicap 35 Fund Growth ₹53.8796
↓ -0.15 ₹11,855 -17.5 -13.2 17.4 20.3 18.1 45.7 Invesco India Growth Opportunities Fund Growth ₹81.41
↓ -0.24 ₹6,250 -17.3 -15.7 12.8 18.6 20.8 37.5 SBI Magnum Children's Benefit Plan Growth ₹104.139
↓ -0.08 ₹121 -3.7 -1.9 12.5 11.3 14.1 17.4 DSP BlackRock Equity Opportunities Fund Growth ₹545.549
↓ -3.47 ₹13,444 -12.3 -14.3 10.8 18.4 22 23.9 Franklin Asian Equity Fund Growth ₹28.1853
↓ -0.26 ₹244 -3.1 -0.1 9.4 2.5 5.7 14.4 Sundaram Rural and Consumption Fund Growth ₹85.8746
↓ -0.31 ₹1,518 -13.7 -17.3 9.1 16.8 17.4 20.1 Aditya Birla Sun Life Regular Savings Fund Growth ₹63.1355
↓ -0.04 ₹1,387 -2 -0.1 8.4 7.6 10.6 10.5 PGIM India Credit Risk Fund Growth ₹15.5876
↑ 0.00 ₹39 0.6 4.4 8.4 3 4.2 ICICI Prudential MIP 25 Growth ₹71.5609
↓ -0.07 ₹3,144 -1.1 -0.6 8.3 9.2 10.1 11.4 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Dec 21
The primary objective of the Scheme is to achieve long-term capital appreciation by investing in equity & equity related instruments of mid cap & small cap companies. Principal Emerging Bluechip Fund is a Equity - Large & Mid Cap fund was launched on 12 Nov 08. It is a fund with Moderately High risk and has given a Below is the key information for Principal Emerging Bluechip Fund Returns up to 1 year are on (Erstwhile Motilal Oswal MOSt Focused Multicap 35 Fund) The investment objective of the Scheme is to achieve long term capital appreciation by primarily investing in a maximum of 35 equity & equity related instruments across sectors and market-capitalization levels.However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved. Motilal Oswal Multicap 35 Fund is a Equity - Multi Cap fund was launched on 28 Apr 14. It is a fund with Moderately High risk and has given a Below is the key information for Motilal Oswal Multicap 35 Fund Returns up to 1 year are on (Erstwhile Invesco India Growth Fund) The investment objective of the Scheme is to generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities. However, there can be no assurance that the objectives of the scheme will be achieved. Invesco India Growth Opportunities Fund is a Equity - Large & Mid Cap fund was launched on 9 Aug 07. It is a fund with Moderately High risk and has given a Below is the key information for Invesco India Growth Opportunities Fund 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 (Erstwhile DSP BlackRock Opportunities Fund) The primary investment objective is to seek to generate long term capital appreciation from a portfolio that is substantially constituted of equity and equity related securities of large and midcap companies. From time to time, the fund manager will also seek participation in other equity and equity related securities to achieve optimal portfolio construction. There is no assurance that the investment objective of the Scheme will be realized DSP BlackRock Equity Opportunities Fund is a Equity - Large & Mid Cap fund was launched on 16 May 00. It is a fund with Moderately High risk and has given a Below is the key information for DSP BlackRock Equity Opportunities Fund Returns up to 1 year are on An open-end diversified equity fund that seeks to provide medium to long term appreciation through investments primarily in Asian Companies / sectors (excluding Japan) with long term potential across market capitalisation. Franklin Asian Equity Fund is a Equity - Global fund was launched on 16 Jan 08. It is a fund with High risk and has given a Below is the key information for Franklin Asian Equity Fund Returns up to 1 year are on (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 Below is the key information for Sundaram Rural and Consumption Fund Returns up to 1 year are on (Erstwhile Aditya Birla Sun Life MIP II - Wealth 25 Plan) An Open-ended income scheme with the objective to generate regular income so as to make monthly payment or distribution to unit holders with the secondary objective being growth of capital. Monthly Income is not assured and is subject to availability of distributable surplus. Aditya Birla Sun Life Regular Savings Fund is a Hybrid - Hybrid Debt fund was launched on 22 May 04. It is a fund with Moderately High risk and has given a Below is the key information for Aditya Birla Sun Life Regular Savings Fund Returns up to 1 year are on (Erstwhile DHFL Pramerica Credit Opportunities Fund) The investment objective of the Scheme is to generate income and capital appreciation by investing predominantly in corporate debt. There can be no assurance that the investment objective of the Scheme will be realized. PGIM India Credit Risk Fund is a Debt - Credit Risk fund was launched on 29 Sep 14. It is a fund with Moderate risk and has given a Below is the key information for PGIM India Credit Risk Fund Returns up to 1 year are on The Scheme seeks to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme. However, there can be no assurance that the investment objectives of the Scheme will be realized. ICICI Prudential MIP 25 is a Hybrid - Hybrid Debt fund was launched on 30 Mar 04. It is a fund with Moderately High risk and has given a Below is the key information for ICICI Prudential MIP 25 Returns up to 1 year are on 1. Principal Emerging Bluechip Fund
CAGR/Annualized
return of 24.8% since its launch. Ranked 1 in Large & Mid Cap
category. . Principal Emerging Bluechip Fund
Growth Launch Date 12 Nov 08 NAV (31 Dec 21) ₹183.316 ↑ 2.03 (1.12 %) Net Assets (Cr) ₹3,124 on 30 Nov 21 Category Equity - Large & Mid Cap AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd. Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.08 Sharpe Ratio 2.74 Information Ratio 0.22 Alpha Ratio 2.18 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Sub Cat. Large & Mid Cap Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹13,144 Returns for Principal Emerging Bluechip Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 31 Dec 21 Duration Returns 1 Month 2.9% 3 Month 2.9% 6 Month 13.6% 1 Year 38.9% 3 Year 21.9% 5 Year 19.2% 10 Year 15 Year Since launch 24.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Fund Manager information for Principal Emerging Bluechip Fund
Name Since Tenure Data below for Principal Emerging Bluechip Fund as on 30 Nov 21
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 2. Motilal Oswal Multicap 35 Fund
CAGR/Annualized
return of 16.8% since its launch. Ranked 5 in Multi Cap
category. Return for 2024 was 45.7% , 2023 was 31% and 2022 was -3% . Motilal Oswal Multicap 35 Fund
Growth Launch Date 28 Apr 14 NAV (13 Mar 25) ₹53.8796 ↓ -0.15 (-0.27 %) Net Assets (Cr) ₹11,855 on 31 Jan 25 Category Equity - Multi Cap AMC Motilal Oswal Asset Management Co. Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 0.94 Sharpe Ratio 0.9 Information Ratio 0.49 Alpha Ratio 13.01 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Sub Cat. Multi Cap Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹11,931 28 Feb 22 ₹12,199 28 Feb 23 ₹12,226 29 Feb 24 ₹18,009 28 Feb 25 ₹20,280 Returns for Motilal Oswal Multicap 35 Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 31 Dec 21 Duration Returns 1 Month -3.3% 3 Month -17.5% 6 Month -13.2% 1 Year 17.4% 3 Year 20.3% 5 Year 18.1% 10 Year 15 Year Since launch 16.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 45.7% 2023 31% 2022 -3% 2021 15.3% 2020 10.3% 2019 7.9% 2018 -7.8% 2017 43.1% 2016 8.5% 2015 14.6% Fund Manager information for Motilal Oswal Multicap 35 Fund
Name Since Tenure Ajay Khandelwal 1 Oct 24 0.41 Yr. Niket Shah 1 Jul 22 2.67 Yr. Santosh Singh 1 Aug 23 1.58 Yr. Rakesh Shetty 22 Nov 22 2.27 Yr. Atul Mehra 1 Oct 24 0.41 Yr. Sunil Sawant 1 Jul 24 0.67 Yr. Data below for Motilal Oswal Multicap 35 Fund as on 31 Jan 25
Equity Sector Allocation
Sector Value Consumer Cyclical 22.53% Technology 21.94% Industrials 18.17% Financial Services 9.9% Communication Services 9.17% Health Care 1.79% Asset Allocation
Asset Class Value Cash 20.96% Equity 79.04% Top Securities Holdings / Portfolio
Name Holding Value Quantity Coforge Ltd (Technology)
Equity, Since 31 May 23 | COFORGE9% ₹1,126 Cr 1,362,525
↓ -77,475 Persistent Systems Ltd (Technology)
Equity, Since 31 Mar 23 | PERSISTENT9% ₹1,084 Cr 1,796,350
↓ -203,650 Polycab India Ltd (Industrials)
Equity, Since 31 Jan 24 | POLYCAB9% ₹1,079 Cr 1,786,833
↓ -13,167 Trent Ltd (Consumer Cyclical)
Equity, Since 31 Jan 23 | 5002519% ₹1,056 Cr 1,835,546
↑ 10,546 Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 30 Sep 23 | KALYANKJIL7% ₹868 Cr 17,250,000 Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 31 Oct 24 | M&M6% ₹747 Cr 2,500,000
↓ -750,000 Bharti Airtel Ltd (Partly Paid Rs.1.25) (Communication Services)
Equity, Since 30 Apr 24 | 8901575% ₹600 Cr 5,000,000 Cholamandalam Investment and Finance Co Ltd (Financial Services)
Equity, Since 31 Mar 23 | CHOLAFIN5% ₹579 Cr 4,500,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 24 | BHARTIARTL4% ₹488 Cr 3,000,000 CG Power & Industrial Solutions Ltd (Industrials)
Equity, Since 31 Jan 25 | 5000933% ₹413 Cr 6,500,000
↑ 6,500,000 3. Invesco India Growth Opportunities Fund
CAGR/Annualized
return of 12.7% since its launch. Ranked 6 in Large & Mid Cap
category. Return for 2024 was 37.5% , 2023 was 31.6% and 2022 was -0.4% . Invesco India Growth Opportunities Fund
Growth Launch Date 9 Aug 07 NAV (13 Mar 25) ₹81.41 ↓ -0.24 (-0.29 %) Net Assets (Cr) ₹6,250 on 31 Jan 25 Category Equity - Large & Mid Cap AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.88 Sharpe Ratio 0.84 Information Ratio 0.37 Alpha Ratio 8.74 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Sub Cat. Large & Mid Cap Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹12,351 28 Feb 22 ₹13,887 28 Feb 23 ₹14,248 29 Feb 24 ₹21,121 28 Feb 25 ₹22,851 Returns for Invesco India Growth Opportunities Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 31 Dec 21 Duration Returns 1 Month -4.1% 3 Month -17.3% 6 Month -15.7% 1 Year 12.8% 3 Year 18.6% 5 Year 20.8% 10 Year 15 Year Since launch 12.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 37.5% 2023 31.6% 2022 -0.4% 2021 29.7% 2020 13.3% 2019 10.7% 2018 -0.2% 2017 39.6% 2016 3.3% 2015 3.8% Fund Manager information for Invesco India Growth Opportunities Fund
Name Since Tenure Aditya Khemani 9 Nov 23 1.31 Yr. Amit Ganatra 21 Jan 22 3.11 Yr. Data below for Invesco India Growth Opportunities Fund as on 31 Jan 25
Equity Sector Allocation
Sector Value Financial Services 27.46% Consumer Cyclical 23.77% Health Care 13.77% Industrials 10.04% Technology 8.91% Real Estate 6.66% Basic Materials 4.9% Consumer Defensive 2.25% Communication Services 1.96% Asset Allocation
Asset Class Value Cash 0.27% Equity 99.73% Top Securities Holdings / Portfolio
Name Holding Value Quantity Trent Ltd (Consumer Cyclical)
Equity, Since 28 Feb 22 | 5002514% ₹278 Cr 483,608
↑ 62,658 InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Mar 24 | INDIGO4% ₹265 Cr 612,171
↑ 38,698 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 15 | ICICIBANK4% ₹260 Cr 2,077,721
↑ 399,318 Cholamandalam Investment and Finance Co Ltd (Financial Services)
Equity, Since 28 Feb 23 | CHOLAFIN4% ₹236 Cr 1,837,608
↑ 217,790 Swiggy Ltd (Consumer Cyclical)
Equity, Since 30 Nov 24 | SWIGGY4% ₹220 Cr 5,292,395
↑ 2,115,144 Max Healthcare Institute Ltd Ordinary Shares (Healthcare)
Equity, Since 30 Nov 22 | MAXHEALTH3% ₹212 Cr 1,993,259 Zomato Ltd (Consumer Cyclical)
Equity, Since 30 Jun 23 | 5433203% ₹202 Cr 9,152,597
↑ 2,446,793 BSE Ltd (Financial Services)
Equity, Since 31 Oct 23 | BSE3% ₹200 Cr 376,990 Dixon Technologies (India) Ltd (Technology)
Equity, Since 30 Sep 22 | DIXON3% ₹195 Cr 130,340 L&T Finance Ltd (Financial Services)
Equity, Since 30 Apr 24 | LTF3% ₹195 Cr 13,404,597
↑ 949,280 4. 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 (13 Mar 25) ₹104.139 ↓ -0.08 (-0.07 %) Net Assets (Cr) ₹121 on 31 Jan 25 Category Solutions - Childrens Fund AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.2 Sharpe Ratio 1.2 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) Sub Cat. Childrens Fund Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹11,556 28 Feb 22 ₹13,414 28 Feb 23 ₹13,842 29 Feb 24 ₹16,754 28 Feb 25 ₹18,416
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 31 Dec 21 Duration Returns 1 Month -0.5% 3 Month -3.7% 6 Month -1.9% 1 Year 12.5% 3 Year 11.3% 5 Year 14.1% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2024 17.4% 2023 16.9% 2022 1.9% 2021 18.3% 2020 14.8% 2019 2.6% 2018 0.1% 2017 24.3% 2016 16.1% 2015 7% Fund Manager information for SBI Magnum Children's Benefit Plan
Name Since Tenure R. Srinivasan 13 Jan 21 4.13 Yr. Rajeev Radhakrishnan 9 Jun 08 16.74 Yr. Pradeep Kesavan 31 Dec 23 1.17 Yr. Data below for SBI Magnum Children's Benefit Plan as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 17.59% Equity 20.3% Debt 62.11% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.38% State Government Of Uttar Pradesh 2036
Sovereign Bonds | -13% ₹15 Cr 1,500,000 7.18% Govt Stock 2033
Sovereign Bonds | -9% ₹10 Cr 1,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -8% ₹10 Cr 1,000,000 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 Muthoot Finance Limited
Debentures | -3% ₹3 Cr 300 Avanse Financial Services Ltd.
Debentures | -3% ₹3 Cr 300 5. DSP BlackRock Equity Opportunities Fund
CAGR/Annualized
return of 17.5% since its launch. Ranked 4 in Large & Mid Cap
category. Return for 2024 was 23.9% , 2023 was 32.5% and 2022 was 4.4% . DSP BlackRock Equity Opportunities Fund
Growth Launch Date 16 May 00 NAV (13 Mar 25) ₹545.549 ↓ -3.47 (-0.63 %) Net Assets (Cr) ₹13,444 on 31 Jan 25 Category Equity - Large & Mid Cap AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.88 Sharpe Ratio 0.63 Information Ratio 0.16 Alpha Ratio 4.23 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Sub Cat. Large & Mid Cap Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹12,843 28 Feb 22 ₹14,709 28 Feb 23 ₹15,596 29 Feb 24 ₹22,326 28 Feb 25 ₹23,616 Returns for DSP BlackRock Equity Opportunities Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 31 Dec 21 Duration Returns 1 Month -2.4% 3 Month -12.3% 6 Month -14.3% 1 Year 10.8% 3 Year 18.4% 5 Year 22% 10 Year 15 Year Since launch 17.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 23.9% 2023 32.5% 2022 4.4% 2021 31.2% 2020 14.2% 2019 11.4% 2018 -9.2% 2017 40.1% 2016 11.2% 2015 6.1% Fund Manager information for DSP BlackRock Equity Opportunities Fund
Name Since Tenure Rohit Singhania 1 Jun 15 9.76 Yr. Data below for DSP BlackRock Equity Opportunities Fund as on 31 Jan 25
Equity Sector Allocation
Sector Value Financial Services 32.76% Basic Materials 10.92% Consumer Cyclical 10.79% Health Care 9.87% Technology 7.57% Industrials 6.88% Energy 5.95% Utility 4.51% Consumer Defensive 4.17% Communication Services 3.27% Real Estate 1.13% Asset Allocation
Asset Class Value Cash 2.18% Equity 97.82% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 16 | ICICIBANK5% ₹637 Cr 5,087,254
↓ -279,997 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 08 | HDFCBANK5% ₹620 Cr 3,647,782
↓ -202,369 Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 20 | 5322154% ₹520 Cr 5,272,691
↑ 685,031 State Bank of India (Financial Services)
Equity, Since 30 Jun 20 | SBIN3% ₹414 Cr 5,356,659
↑ 769,911 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Oct 22 | KOTAKBANK3% ₹412 Cr 2,168,587
↓ -334,046 Infosys Ltd (Technology)
Equity, Since 28 Feb 18 | INFY2% ₹322 Cr 1,714,083 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 24 | LT2% ₹290 Cr 813,304
↑ 118,185 Cipla Ltd (Healthcare)
Equity, Since 30 Apr 23 | 5000872% ₹284 Cr 1,919,149
↑ 93,780 Hindustan Petroleum Corp Ltd (Energy)
Equity, Since 30 Jun 22 | HINDPETRO2% ₹281 Cr 7,840,242
↑ 372,472 Ipca Laboratories Ltd (Healthcare)
Equity, Since 30 Sep 18 | 5244942% ₹274 Cr 1,901,164 6. Franklin Asian Equity Fund
CAGR/Annualized
return of 6.2% since its launch. Ranked 1 in Global
category. Return for 2024 was 14.4% , 2023 was 0.7% and 2022 was -14.5% . Franklin Asian Equity Fund
Growth Launch Date 16 Jan 08 NAV (13 Mar 25) ₹28.1853 ↓ -0.26 (-0.93 %) Net Assets (Cr) ₹244 on 31 Jan 25 Category Equity - Global AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆☆☆ Risk High Expense Ratio 2.5 Sharpe Ratio 1.02 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-3 Years (1%),3 Years and above(NIL) Sub Cat. Global Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹14,070 28 Feb 22 ₹11,966 28 Feb 23 ₹10,714 29 Feb 24 ₹10,671 28 Feb 25 ₹12,039 Returns for Franklin Asian Equity Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 31 Dec 21 Duration Returns 1 Month -0.9% 3 Month -3.1% 6 Month -0.1% 1 Year 9.4% 3 Year 2.5% 5 Year 5.7% 10 Year 15 Year Since launch 6.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 14.4% 2023 0.7% 2022 -14.5% 2021 -5.9% 2020 25.8% 2019 28.2% 2018 -13.6% 2017 35.5% 2016 7.2% 2015 -4.6% Fund Manager information for Franklin Asian Equity Fund
Name Since Tenure Sandeep Manam 18 Oct 21 3.37 Yr. Shyam Sriram 26 Sep 24 0.43 Yr. Data below for Franklin Asian Equity Fund as on 31 Jan 25
Equity Sector Allocation
Sector Value Technology 26% Consumer Cyclical 22.46% Financial Services 22.32% Consumer Defensive 7.08% Industrials 7.01% Communication Services 4.74% Health Care 4.23% Real Estate 2.86% Basic Materials 1.25% Asset Allocation
Asset Class Value Cash 2.05% Equity 97.95% Top Securities Holdings / Portfolio
Name Holding Value Quantity Taiwan Semiconductor Manufacturing Co Ltd (Technology)
Equity, Since 31 Mar 09 | 233015% ₹36 Cr 122,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 24 | ICICIBANK5% ₹13 Cr 103,868 Tencent Holdings Ltd (Communication Services)
Equity, Since 31 Jul 14 | 007005% ₹12 Cr 25,900
↓ -2,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 24 | HDFCBANK4% ₹9 Cr 52,213 Samsung Electronics Co Ltd (Technology)
Equity, Since 31 Mar 08 | 0059303% ₹7 Cr 23,765 Alibaba Group Holding Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Dec 20 | 099883% ₹7 Cr 68,604 Indian Hotels Co Ltd (Consumer Cyclical)
Equity, Since 30 Apr 23 | 5008503% ₹7 Cr 85,863 MediaTek Inc (Technology)
Equity, Since 31 Aug 20 | 24543% ₹7 Cr 17,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Mar 24 | LT3% ₹7 Cr 18,306 AIA Group Ltd (Financial Services)
Equity, Since 31 Mar 12 | 012993% ₹6 Cr 101,600
↓ -10,200 7. Sundaram Rural and Consumption Fund
CAGR/Annualized
return of 12.1% since its launch. Ranked 2 in Sectoral
category. Return for 2024 was 20.1% , 2023 was 30.2% and 2022 was 9.3% . Sundaram Rural and Consumption Fund
Growth Launch Date 12 May 06 NAV (13 Mar 25) ₹85.8746 ↓ -0.31 (-0.36 %) Net Assets (Cr) ₹1,518 on 31 Jan 25 Category Equity - Sectoral AMC Sundaram Asset Management Company Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.23 Sharpe Ratio 0.63 Information Ratio -0.03 Alpha Ratio 0.8 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-12 Months (1%),12 Months and above(NIL) Sub Cat. Sectoral Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹11,448 28 Feb 22 ₹13,007 28 Feb 23 ₹13,929 29 Feb 24 ₹18,860 28 Feb 25 ₹20,135 Returns for Sundaram Rural and Consumption Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 31 Dec 21 Duration Returns 1 Month -5.8% 3 Month -13.7% 6 Month -17.3% 1 Year 9.1% 3 Year 16.8% 5 Year 17.4% 10 Year 15 Year Since launch 12.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 20.1% 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% Fund Manager information for Sundaram Rural and Consumption Fund
Name Since Tenure Ratish Varier 1 Jan 22 3.16 Yr. Data below for Sundaram Rural and Consumption Fund as on 31 Jan 25
Equity Sector Allocation
Sector Value Consumer Cyclical 43.4% Consumer Defensive 32.21% Communication Services 12.27% Health Care 2.81% Financial Services 2.64% Real Estate 1.64% Basic Materials 1.46% Asset Allocation
Asset Class Value Cash 3.57% Equity 96.43% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 22 | BHARTIARTL10% ₹153 Cr 939,519 ITC Ltd (Consumer Defensive)
Equity, Since 31 Jul 13 | ITC9% ₹134 Cr 2,991,251 Titan Co Ltd (Consumer Cyclical)
Equity, Since 29 Feb 20 | TITAN7% ₹106 Cr 303,263 Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 30 Apr 22 | M&M7% ₹105 Cr 350,492 Hindustan Unilever Ltd (Consumer Defensive)
Equity, Since 30 Apr 16 | HINDUNILVR6% ₹86 Cr 350,212 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Jul 12 | MARUTI5% ₹83 Cr 67,306 Zomato Ltd (Consumer Cyclical)
Equity, Since 31 May 24 | 5433204% ₹66 Cr 3,000,962 United Spirits Ltd (Consumer Defensive)
Equity, Since 31 Dec 18 | UNITDSPR4% ₹65 Cr 453,496 Safari Industries (India) Ltd (Consumer Cyclical)
Equity, Since 28 Feb 22 | 5230254% ₹59 Cr 245,560 Trent Ltd (Consumer Cyclical)
Equity, Since 29 Feb 24 | 5002513% ₹50 Cr 86,291
↑ 9,192 8. Aditya Birla Sun Life Regular Savings Fund
CAGR/Annualized
return of 9.3% since its launch. Ranked 4 in Hybrid Debt
category. Return for 2024 was 10.5% , 2023 was 9.6% and 2022 was 5.3% . Aditya Birla Sun Life Regular Savings Fund
Growth Launch Date 22 May 04 NAV (13 Mar 25) ₹63.1355 ↓ -0.04 (-0.07 %) Net Assets (Cr) ₹1,387 on 15 Feb 25 Category Hybrid - Hybrid Debt AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.89 Sharpe Ratio 0.7 Information Ratio 0.14 Alpha Ratio 0.03 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-365 Days (1%),365 Days and above(NIL) Sub Cat. Hybrid Debt Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹11,550 28 Feb 22 ₹12,870 28 Feb 23 ₹13,268 29 Feb 24 ₹14,728 28 Feb 25 ₹15,888 Returns for Aditya Birla Sun Life Regular Savings Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 31 Dec 21 Duration Returns 1 Month -0.5% 3 Month -2% 6 Month -0.1% 1 Year 8.4% 3 Year 7.6% 5 Year 10.6% 10 Year 15 Year Since launch 9.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 10.5% 2023 9.6% 2022 5.3% 2021 13.4% 2020 9.2% 2019 5.8% 2018 -2.2% 2017 15.5% 2016 13.1% 2015 5.4% Fund Manager information for Aditya Birla Sun Life Regular Savings Fund
Name Since Tenure Mohit Sharma 31 Oct 24 0.33 Yr. Harshil Suvarnkar 22 Mar 21 3.95 Yr. Data below for Aditya Birla Sun Life Regular Savings Fund as on 15 Feb 25
Asset Allocation
Asset Class Value Cash 4.8% Equity 22.86% Debt 72.01% Other 0.33% Equity Sector Allocation
Sector Value Financial Services 7.91% Technology 2.86% Consumer Cyclical 1.83% Industrials 1.69% Basic Materials 1.58% Energy 1.48% Health Care 1.45% Real Estate 1.31% Communication Services 1.11% Consumer Defensive 0.89% Utility 0.75% Debt Sector Allocation
Sector Value Corporate 42.7% Government 29.31% Cash Equivalent 4.8% Credit Quality
Rating Value AA 8.73% AAA 91.27% Top Securities Holdings / Portfolio
Name Holding Value Quantity Cholamandalam Investment And Fin. Co. Ltd
Debentures | -4% ₹60 Cr 6,000 6.79% Govt Stock 2034
Sovereign Bonds | -3% ₹35 Cr 3,500,000
↓ -1,500,000 07.49 Tn SDL 2034
Sovereign Bonds | -2% ₹31 Cr 3,000,000 Bajaj Housing Finance Limited
Debentures | -2% ₹30 Cr 300 LIC Housing Finance Limited
Debentures | -2% ₹30 Cr 3,000 Nuvama Wealth Finance Limited 9.75%
Debentures | -2% ₹30 Cr 3,000
↑ 3,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK2% ₹29 Cr 232,335 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Sep 17 | HDFCBANK2% ₹29 Cr 169,353
↑ 25,000 Rural Electrification Corporation Limited
Debentures | -2% ₹26 Cr 250 Bharti Telecom Limited
Debentures | -2% ₹25 Cr 2,500 9. PGIM India Credit Risk Fund
CAGR/Annualized
return of 6.3% since its launch. Ranked 2 in Credit Risk
category. . PGIM India Credit Risk Fund
Growth Launch Date 29 Sep 14 NAV (21 Jan 22) ₹15.5876 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹39 on 31 Dec 21 Category Debt - Credit Risk AMC Pramerica Asset Managers Private Limited Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 1.85 Sharpe Ratio 1.73 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Yield to Maturity 5.01% Effective Maturity 7 Months 2 Days Modified Duration 6 Months 14 Days Sub Cat. Credit Risk Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹9,774 Returns for PGIM India Credit Risk Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 31 Dec 21 Duration Returns 1 Month 0.3% 3 Month 0.6% 6 Month 4.4% 1 Year 8.4% 3 Year 3% 5 Year 4.2% 10 Year 15 Year Since launch 6.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Fund Manager information for PGIM India Credit Risk Fund
Name Since Tenure Data below for PGIM India Credit Risk Fund as on 31 Dec 21
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 10. ICICI Prudential MIP 25
CAGR/Annualized
return of 9.8% since its launch. Ranked 2 in Hybrid Debt
category. Return for 2024 was 11.4% , 2023 was 11.4% and 2022 was 5.1% . ICICI Prudential MIP 25
Growth Launch Date 30 Mar 04 NAV (13 Mar 25) ₹71.5609 ↓ -0.07 (-0.09 %) Net Assets (Cr) ₹3,144 on 31 Jan 25 Category Hybrid - Hybrid Debt AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.74 Sharpe Ratio 1 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) Sub Cat. Hybrid Debt Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹11,143 28 Feb 22 ₹12,098 28 Feb 23 ₹12,681 29 Feb 24 ₹14,489 28 Feb 25 ₹15,612 Returns for ICICI Prudential MIP 25
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 31 Dec 21 Duration Returns 1 Month -0.5% 3 Month -1.1% 6 Month -0.6% 1 Year 8.3% 3 Year 9.2% 5 Year 10.1% 10 Year 15 Year Since launch 9.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 11.4% 2023 11.4% 2022 5.1% 2021 9.9% 2020 10.9% 2019 9.6% 2018 5.1% 2017 12.9% 2016 10.9% 2015 6.4% Fund Manager information for ICICI Prudential MIP 25
Name Since Tenure Manish Banthia 19 Sep 13 11.45 Yr. Akhil Kakkar 22 Jan 24 1.11 Yr. Roshan Chutkey 2 May 22 2.83 Yr. Sharmila D’mello 31 Jul 22 2.59 Yr. Data below for ICICI Prudential MIP 25 as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 15.49% Equity 21.5% Debt 62.45% Other 0.56% Equity Sector Allocation
Sector Value Financial Services 6.59% Consumer Cyclical 3.56% Health Care 3.13% Basic Materials 2.42% Consumer Defensive 1.87% Communication Services 1.66% Utility 0.79% Industrials 0.55% Technology 0.52% Energy 0.42% Debt Sector Allocation
Sector Value Corporate 44.63% Government 20.28% Cash Equivalent 11.56% Securitized 1.47% Credit Quality
Rating Value A 8.61% AA 35.36% AAA 56.04% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -8% ₹265 Cr 25,815,500 7.53% Govt Stock 2034
Sovereign Bonds | -5% ₹168 Cr 16,574,750 7.38% Govt Stock 2027
Sovereign Bonds | -4% ₹117 Cr 11,500,000 State Bank Of India
Debentures | -3% ₹98 Cr 1,000 L&T Metro Rail (Hyderabad) Limited
Debentures | -3% ₹79 Cr 800 360 One Prime Limited
Debentures | -2% ₹75 Cr 7,500 Yes Bank Limited
Debentures | -2% ₹64 Cr 650 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Jun 19 | ICICIBANK2% ₹62 Cr 489,871 7.26% Govt Stock 2033
Sovereign Bonds | -2% ₹56 Cr 5,463,150 Godrej Industries Limited
Debentures | -2% ₹50 Cr 5,000
Whether you're a novice or a trained mutual fund investor, there are a few things that you must consider before putting your money in the market, such as:
Note that the risk associated with each mutual fund category varies. It's not feasible to categorise a specific mutual fund category as high or low risk based on a universal scale or parameter. While equity mutual funds may appear to have a lower risk than direct equity investments, every mutual fund category carries its level of risk. Therefore, before investing in any mutual fund, assessing the riskometer associated with that particular fund is imperative. Each scheme is assigned a risk level, enabling you to understand the risks.
Another critical point is that direct plans boast lower Expense Ratios than regular plans, leading to superior returns. Some investors mistakenly believe that direct plans and regular plans of mutual fund schemes differ significantly. In reality, they represent plans for the same scheme. Consequently, fund house costs are lower, translating to reduced annual investor expenses.
Mutual fund returns are typically annualised, potentially misleading investors into expecting consistent annual returns. However, mutual fund returns are not linear and can fluctuate significantly. For instance, a scheme may yield +10% returns in one year and -2% returns in the next. Such variability necessitates preparation to handle fluctuations in annual returns.
Consistent returns are indicative of a robust fund, surpassing sporadic high-return funds. Consistency in performance is crucial for mitigating losses and increasing the likelihood of favourable returns over the long term. A consistent fund is better positioned to offset losses and deliver superior annualised returns.
SIPs instil investing discipline by automating investments and leveraging market volatility. SIPs enable you to capitalise on market downturns by acquiring more units at lower prices, effectively reducing the overall investment cost. This strategy, known as Rupee Cost Averaging, facilitates long-term wealth accumulation.
Diversification through Asset Allocation is essential to mitigate portfolio risk. Before investing, determine the allocation across asset classes like equities, gold, and debt. Additionally, periodic rebalancing is critical to maintain the desired asset allocation. Rebalancing involves adjusting the portfolio by booking profits from asset classes that have appreciated and reinvesting in underweighted asset classes, ensuring alignment with investment objectives.
To ensure healthy returns from mutual fund investments, it is wise to consider the following guidelines:
Choosing mutual funds involves a two-stage process: selecting the category and then choosing the scheme that aligns with one's goals and risk tolerance. Fund type, performance, AMC track record, and fund manager expertise should be carefully evaluated. It's also important to consider the scheme's operational fees, exit charges, and volatility. Also, you should consider the tax implications of long-term and short-term gains across all fund categories before deciding.