2022-ലെ മികച്ച 10 മ്യൂച്വൽ ഫണ്ടുകൾ

Updated on January 31, 2026 , 44195 views

2022-ൽ നിക്ഷേപിക്കാൻ ഏറ്റവും മികച്ച മ്യൂച്വൽ ഫണ്ടിനായി തിരയുകയാണോ? അതേസമയംനിക്ഷേപിക്കുന്നു ഇൻമ്യൂച്വൽ ഫണ്ടുകൾ, സ്ഥിരമായ വരുമാനം നൽകുന്ന ഒരു ഫണ്ട് തിരഞ്ഞെടുക്കുന്നതിൽ നിക്ഷേപകർക്ക് പലപ്പോഴും ബുദ്ധിമുട്ട് അനുഭവപ്പെടുന്നു.

എല്ലാ പ്രശ്‌നങ്ങളും പരിഹരിക്കുന്നതിന്, നിങ്ങൾക്ക് നിക്ഷേപിക്കാൻ താൽപ്പര്യമുള്ള മികച്ച 10 മ്യൂച്വൽ ഫണ്ട് സ്കീമുകളുടെ ലിസ്റ്റ് ഞങ്ങൾ തയ്യാറാക്കിയിട്ടുണ്ട്. AUM പോലുള്ള ചില പാരാമീറ്ററുകൾ ഏറ്റെടുത്ത് ഈ ഫണ്ടുകൾ ഷോർട്ട്‌ലിസ്റ്റ് ചെയ്തിട്ടുണ്ട്,അല്ല, മുൻകാല പ്രകടനങ്ങൾ, ശരാശരി വരുമാനം മുതലായവ. നിങ്ങൾക്ക് ഈ സ്കീമുകളിൽ രണ്ട് തരത്തിൽ നിക്ഷേപിക്കാം- ഒന്നുകിൽഎസ്.ഐ.പി റൂട്ട് അല്ലെങ്കിൽ ഒരു മൊത്തത്തിലുള്ള വഴി.

ഒരു ഒറ്റത്തവണ ഡൗൺ പേയ്‌മെന്റായി നിക്ഷേപകർക്ക് ഗണ്യമായ തുക നിക്ഷേപിക്കാനാകും, അതേസമയം ഒരു എസ്‌ഐപി മോഡിൽ, നിക്ഷേപകർക്ക് പ്രതിമാസം, ത്രൈമാസിക, വാർഷികം എന്നിങ്ങനെ കൃത്യമായ ഇടവേളകളിൽ നിക്ഷേപിക്കാം. ഒരു മൊത്തത്തിലുള്ള ഏറ്റവും കുറഞ്ഞ നിക്ഷേപ തുകപരിധി 1000-5000 രൂപ മുതൽ, ഒരു എസ്‌ഐപിയിൽ നിങ്ങൾക്ക് വെറും 500 രൂപ ഉപയോഗിച്ച് നിക്ഷേപം ആരംഭിക്കാം.

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നിങ്ങൾ എന്തിന് മ്യൂച്വൽ ഫണ്ടുകളിൽ നിക്ഷേപിക്കണം?

നിങ്ങൾക്ക് കഴിയുംമ്യൂച്വൽ ഫണ്ടുകളിൽ നിക്ഷേപിക്കുക നിങ്ങളുടെ പ്രകാരംറിസ്ക് വിശപ്പ്. എല്ലാത്തരം അപകടസാധ്യതയുള്ളവർക്കുമായി ഒരു കൂട്ടം സ്കീമുകൾ ഉണ്ട്. യാഥാസ്ഥിതിക നിക്ഷേപകർ മുതൽ ഉയർന്ന അപകടസാധ്യതയുള്ള നിക്ഷേപകർ വരെ, എല്ലാവർക്കും മ്യൂച്വൽ ഫണ്ട് സ്കീമുകളിൽ നിക്ഷേപിക്കാം
മ്യൂച്വൽ ഫണ്ടുകൾ നിങ്ങൾക്ക് ധാരാളം നികുതി ആനുകൂല്യങ്ങൾ നൽകുന്നു
മ്യൂച്വൽ ഫണ്ടുകൾക്ക് നിങ്ങൾക്ക് മികച്ച റിട്ടേൺ നൽകാനും കഴിയുംപണമൊഴുക്ക് FD-കൾ പോലെയുള്ള മറ്റേതൊരു പരമ്പരാഗത നിക്ഷേപ ഓപ്ഷനുകളേക്കാളും.
മ്യൂച്വൽ ഫണ്ടുകളിൽ നിക്ഷേപിക്കുന്നതിലൂടെ നിങ്ങൾക്ക് ശരിയായ അളവിൽ വൈവിധ്യവൽക്കരണം നേടാനാകും. നിങ്ങളുടെ പോർട്ട്‌ഫോളിയോയിൽ നിങ്ങൾക്ക് വിവിധ സ്കീമുകളുടെ എണ്ണം സൂക്ഷിക്കാം
മ്യൂച്വൽ ഫണ്ടുകൾ താങ്ങാനാവുന്നവയാണ്. ഒരു എസ്‌ഐ‌പി വഴി 500 രൂപയിൽ താഴെയുള്ള തുകയിൽ ഒരാൾക്ക് അവരുടെ നിക്ഷേപം ആരംഭിക്കാം
നിങ്ങൾ നിക്ഷേപിക്കുന്ന പണം ഒരു വിദഗ്‌ദ്ധ സംഘമാണ് കൈകാര്യം ചെയ്യുന്നത്. അവർക്ക് തത്സമയ ആക്സസ് ഉണ്ട്വിപണി ഏറ്റവും ചെലവ് കുറഞ്ഞ സ്കെയിലിൽ ട്രേഡുകൾ നടത്താനും അവർക്ക് കഴിയും
നിങ്ങളുടെ മ്യൂച്വൽ ഫണ്ട് നിക്ഷേപങ്ങൾ സുരക്ഷിതമായ കൈകളിലാണ്. എല്ലാ മ്യൂച്വൽ ഫണ്ടുകളും നിയന്ത്രിക്കുന്നത്സെബി (സെക്യൂരിറ്റീസ് ആൻഡ് എക്സ്ചേഞ്ച് ബോർഡ് ഓഫ് ഇന്ത്യ), അതിനാൽ നിങ്ങൾ നിക്ഷേപിക്കുന്ന എല്ലാ ഫണ്ടുകളും സുതാര്യമായ രീതിയിൽ പ്രവർത്തിക്കുകയും സുരക്ഷിതമാക്കുകയും ചെയ്യുന്നു.

2022-ൽ നിക്ഷേപിക്കാനുള്ള മികച്ച 10 മ്യൂച്വൽ ഫണ്ടുകൾ

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Franklin Asian Equity Fund Growth	₹37.6778 ↓ -0.99	₹315	9	21.5	36.5	12.5	3.8	23.7
DSP US Flexible Equity Fund Growth	₹80.6116 ↓ -0.22	₹1,068	8.7	22.6	32.3	24.2	18.4	33.8
DSP Natural Resources and New Energy Fund Growth	₹105.937 ↓ -2.95	₹1,573	8.9	17.9	29.5	22.4	24.2	17.5
Aditya Birla Sun Life Banking And Financial Services Fund Growth	₹62.28 ↓ -1.29	₹3,694	-0.6	4.6	17.2	17	13.4	17.5
ICICI Prudential Banking and Financial Services Fund Growth	₹134.3 ↓ -1.87	₹11,154	-1.8	1.1	13.1	15.6	13.4	15.9
Kotak Standard Multicap Fund Growth	₹85.845 ↓ -0.89	₹56,460	-1.2	2.9	10.8	16.9	14.2	9.5
Kotak Equity Opportunities Fund Growth	₹345.943 ↓ -3.34	₹30,039	-1.3	3.2	10.5	19.3	17.4	5.6
DSP Equity Opportunities Fund Growth	₹624.85 ↓ -6.78	₹17,576	-0.3	3.7	8.7	20.3	16.9	7.1
PGIM India Credit Risk Fund Growth	₹15.5876 ↑ 0.00	₹39	0.6	4.4	8.4	3	4.2
Axis Credit Risk Fund Growth	₹22.291 ↓ -0.01	₹368	1.2	3.2	8.2	7.8	6.7	8.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Feb 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	Franklin Asian Equity Fund	DSP US Flexible Equity Fund	DSP Natural Resources and New Energy Fund	Aditya Birla Sun Life Banking And Financial Services Fund	ICICI Prudential Banking and Financial Services Fund	Kotak Standard Multicap Fund	Kotak Equity Opportunities Fund	DSP Equity Opportunities Fund	PGIM India Credit Risk Fund	Axis Credit Risk Fund
Point 1	Bottom quartile AUM (₹315 Cr).	Lower mid AUM (₹1,068 Cr).	Lower mid AUM (₹1,573 Cr).	Upper mid AUM (₹3,694 Cr).	Upper mid AUM (₹11,154 Cr).	Highest AUM (₹56,460 Cr).	Top quartile AUM (₹30,039 Cr).	Upper mid AUM (₹17,576 Cr).	Bottom quartile AUM (₹39 Cr).	Bottom quartile AUM (₹368 Cr).
Point 2	Established history (18+ yrs).	Established history (13+ yrs).	Established history (17+ yrs).	Established history (12+ yrs).	Established history (17+ yrs).	Established history (16+ yrs).	Established history (21+ yrs).	Oldest track record among peers (25 yrs).	Established history (11+ yrs).	Established history (11+ yrs).
Point 3	Top rated.	Rating: 5★ (top quartile).	Rating: 5★ (upper mid).	Rating: 5★ (upper mid).	Rating: 5★ (upper mid).	Rating: 5★ (lower mid).	Rating: 5★ (lower mid).	Rating: 5★ (bottom quartile).	Rating: 5★ (bottom quartile).	Rating: 5★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	5Y return: 3.79% (bottom quartile).	5Y return: 18.42% (top quartile).	5Y return: 24.19% (top quartile).	5Y return: 13.43% (lower mid).	5Y return: 13.43% (lower mid).	5Y return: 14.18% (upper mid).	5Y return: 17.39% (upper mid).	5Y return: 16.91% (upper mid).	1Y return: 8.43% (bottom quartile).	1Y return: 8.21% (bottom quartile).
Point 6	3Y return: 12.48% (bottom quartile).	3Y return: 24.16% (top quartile).	3Y return: 22.41% (top quartile).	3Y return: 17.00% (upper mid).	3Y return: 15.61% (lower mid).	3Y return: 16.94% (lower mid).	3Y return: 19.31% (upper mid).	3Y return: 20.29% (upper mid).	1M return: 0.27% (upper mid).	1M return: 0.09% (upper mid).
Point 7	1Y return: 36.46% (top quartile).	1Y return: 32.35% (top quartile).	1Y return: 29.49% (upper mid).	1Y return: 17.18% (upper mid).	1Y return: 13.12% (upper mid).	1Y return: 10.84% (lower mid).	1Y return: 10.51% (lower mid).	1Y return: 8.75% (bottom quartile).	Sharpe: 1.73 (top quartile).	Sharpe: 2.72 (top quartile).
Point 8	Alpha: 0.00 (upper mid).	Alpha: 2.48 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: -1.32 (bottom quartile).	Alpha: -0.56 (lower mid).	Alpha: 1.61 (top quartile).	Alpha: -2.40 (bottom quartile).	Alpha: -0.86 (bottom quartile).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).
Point 9	Sharpe: 1.54 (upper mid).	Sharpe: 1.20 (upper mid).	Sharpe: 0.74 (lower mid).	Sharpe: 0.84 (lower mid).	Sharpe: 0.88 (upper mid).	Sharpe: 0.28 (bottom quartile).	Sharpe: 0.04 (bottom quartile).	Sharpe: 0.13 (bottom quartile).	Yield to maturity (debt): 5.01% (top quartile).	Yield to maturity (debt): 8.22% (top quartile).
Point 10	Information ratio: 0.00 (upper mid).	Information ratio: -0.26 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.25 (top quartile).	Information ratio: 0.16 (upper mid).	Information ratio: -0.04 (bottom quartile).	Information ratio: -0.05 (bottom quartile).	Information ratio: 0.34 (top quartile).	Modified duration: 0.54 yrs (bottom quartile).	Modified duration: 2.16 yrs (bottom quartile).

Franklin Asian Equity Fund

Bottom quartile AUM (₹315 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 3.79% (bottom quartile).
3Y return: 12.48% (bottom quartile).
1Y return: 36.46% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 1.54 (upper mid).
Information ratio: 0.00 (upper mid).

DSP US Flexible Equity Fund

Lower mid AUM (₹1,068 Cr).
Established history (13+ yrs).
Rating: 5★ (top quartile).
Risk profile: High.
5Y return: 18.42% (top quartile).
3Y return: 24.16% (top quartile).
1Y return: 32.35% (top quartile).
Alpha: 2.48 (top quartile).
Sharpe: 1.20 (upper mid).
Information ratio: -0.26 (bottom quartile).

DSP Natural Resources and New Energy Fund

Lower mid AUM (₹1,573 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 24.19% (top quartile).
3Y return: 22.41% (top quartile).
1Y return: 29.49% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.74 (lower mid).
Information ratio: 0.00 (upper mid).

Aditya Birla Sun Life Banking And Financial Services Fund

Upper mid AUM (₹3,694 Cr).
Established history (12+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 13.43% (lower mid).
3Y return: 17.00% (upper mid).
1Y return: 17.18% (upper mid).
Alpha: -1.32 (bottom quartile).
Sharpe: 0.84 (lower mid).
Information ratio: 0.25 (top quartile).

ICICI Prudential Banking and Financial Services Fund

Upper mid AUM (₹11,154 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 13.43% (lower mid).
3Y return: 15.61% (lower mid).
1Y return: 13.12% (upper mid).
Alpha: -0.56 (lower mid).
Sharpe: 0.88 (upper mid).
Information ratio: 0.16 (upper mid).

Kotak Standard Multicap Fund

Highest AUM (₹56,460 Cr).
Established history (16+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately High.
5Y return: 14.18% (upper mid).
3Y return: 16.94% (lower mid).
1Y return: 10.84% (lower mid).
Alpha: 1.61 (top quartile).
Sharpe: 0.28 (bottom quartile).
Information ratio: -0.04 (bottom quartile).

Kotak Equity Opportunities Fund

Top quartile AUM (₹30,039 Cr).
Established history (21+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately High.
5Y return: 17.39% (upper mid).
3Y return: 19.31% (upper mid).
1Y return: 10.51% (lower mid).
Alpha: -2.40 (bottom quartile).
Sharpe: 0.04 (bottom quartile).
Information ratio: -0.05 (bottom quartile).

DSP Equity Opportunities Fund

Upper mid AUM (₹17,576 Cr).
Oldest track record among peers (25 yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.91% (upper mid).
3Y return: 20.29% (upper mid).
1Y return: 8.75% (bottom quartile).
Alpha: -0.86 (bottom quartile).
Sharpe: 0.13 (bottom quartile).
Information ratio: 0.34 (top quartile).

PGIM India Credit Risk Fund

Bottom quartile AUM (₹39 Cr).
Established history (11+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.43% (bottom quartile).
1M return: 0.27% (upper mid).
Sharpe: 1.73 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 5.01% (top quartile).
Modified duration: 0.54 yrs (bottom quartile).

Axis Credit Risk Fund

Bottom quartile AUM (₹368 Cr).
Established history (11+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.21% (bottom quartile).
1M return: 0.09% (upper mid).
Sharpe: 2.72 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.22% (top quartile).
Modified duration: 2.16 yrs (bottom quartile).

1. Franklin Asian Equity Fund

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.

Research Highlights for Franklin Asian Equity Fund

Bottom quartile AUM (₹315 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 3.79% (bottom quartile).
3Y return: 12.48% (bottom quartile).
1Y return: 36.46% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 1.54 (upper mid).
Information ratio: 0.00 (upper mid).
Higher exposure to Technology vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Taiwan Semiconductor Manufacturing Co Ltd (~9.9%).

Below is the key information for Franklin Asian Equity Fund

Franklin Asian Equity Fund Growth
Launch Date	16 Jan 08
NAV (02 Feb 26)	₹37.6778 ↓ -0.99 (-2.56 %)
Net Assets (Cr)	₹315 on 31 Dec 25
Category	Equity - Global
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	2.54
Sharpe Ratio	1.54
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
31 Jan 21	₹10,000
31 Jan 22	₹8,833
31 Jan 23	₹8,376
31 Jan 24	₹7,348
31 Jan 25	₹8,821
31 Jan 26	₹12,045

Franklin Asian Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹331,978.
Net Profit of ₹31,978 Invest Now

Returns for Franklin Asian 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 2 Feb 26

Duration	Returns
1 Month	9.1%
3 Month	9%
6 Month	21.5%
1 Year	36.5%
3 Year	12.5%
5 Year	3.8%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23.7%
2023	14.4%
2022	0.7%
2021	-14.5%
2020	-5.9%
2019	25.8%
2018	28.2%
2017	-13.6%
2016	35.5%
2015	7.2%

Fund Manager information for Franklin Asian Equity Fund

Name	Since	Tenure
Sandeep Manam	18 Oct 21	4.21 Yr.
Shyam Sriram	26 Sep 24	1.27 Yr.

Data below for Franklin Asian Equity Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Technology	28.97%
Consumer Cyclical	22.01%
Financial Services	20.37%
Industrials	7.93%
Communication Services	5.54%
Health Care	4.6%
Real Estate	2.99%
Basic Materials	2.62%
Utility	1%

Asset Allocation

Asset Class	Value
Cash	3.96%
Equity	96.04%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Taiwan Semiconductor Manufacturing Co Ltd (Technology) Equity, Since 31 Mar 09 \| 2330	10%	₹31 Cr	70,000 ↑ 1,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 25 \| HDFCBANK	6%	₹19 Cr	187,442 ↑ 187,442
Tencent Holdings Ltd (Communication Services) Equity, Since 31 Jul 14 \| 00700	6%	₹17 Cr	25,200 ↑ 1,700
Samsung Electronics Co Ltd (Technology) Equity, Since 31 Mar 08 \| 005930	5%	₹16 Cr	20,911
SK Hynix Inc (Technology) Equity, Since 30 Jun 20 \| 000660	5%	₹14 Cr	3,567
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 25 \| 532174	4%	₹12 Cr	86,695 ↑ 86,695
MediaTek Inc (Technology) Equity, Since 31 Aug 20 \| 2454	3%	₹9 Cr	21,000
Alibaba Group Holding Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Dec 20 \| 2RR	3%	₹9 Cr	52,104 ↓ -3,200
Contemporary Amperex Technology Co Ltd Class A (Industrials) Equity, Since 30 Apr 24 \| 300750	3%	₹9 Cr	18,100
Hyundai Motor Co (Consumer Cyclical) Equity, Since 31 Aug 22 \| 005380	2%	₹8 Cr	4,114

2. DSP US Flexible Equity Fund

The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of BGF – USFEF. 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 money market/liquid schemes of DSP BlackRock 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. It shall be noted ‘similar overseas mutual fund schemes’ shall have investment objective, investment strategy and risk profile/consideration similar to those of BGF – USFEF.

Research Highlights for DSP US Flexible Equity Fund

Lower mid AUM (₹1,068 Cr).
Established history (13+ yrs).
Rating: 5★ (top quartile).
Risk profile: High.
5Y return: 18.42% (top quartile).
3Y return: 24.16% (top quartile).
1Y return: 32.35% (top quartile).
Alpha: 2.48 (top quartile).
Sharpe: 1.20 (upper mid).
Information ratio: -0.26 (bottom quartile).
Higher exposure to Technology vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding BGF US Flexible Equity I2 (~98.5%).
Top-3 holdings concentration ~100.4%.

Below is the key information for DSP US Flexible Equity Fund

DSP US Flexible Equity Fund Growth
Launch Date	3 Aug 12
NAV (30 Jan 26)	₹80.6116 ↓ -0.22 (-0.28 %)
Net Assets (Cr)	₹1,068 on 31 Dec 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.55
Sharpe Ratio	1.2
Information Ratio	-0.26
Alpha Ratio	2.48
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)
Sub Cat.	Global

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹11,708
31 Jan 23	₹12,140
31 Jan 24	₹14,456
31 Jan 25	₹17,604
31 Jan 26	₹23,289

DSP US Flexible Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656 Invest Now

Returns for DSP US Flexible 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 2 Feb 26

Duration	Returns
1 Month	4.4%
3 Month	8.7%
6 Month	22.6%
1 Year	32.3%
3 Year	24.2%
5 Year	18.4%
10 Year
15 Year
Since launch	16.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	33.8%
2023	17.8%
2022	22%
2021	-5.9%
2020	24.2%
2019	22.6%
2018	27.5%
2017	-1.1%
2016	15.5%
2015	9.8%

Fund Manager information for DSP US Flexible Equity Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	12.85 Yr.

Data below for DSP US Flexible Equity Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Technology	33.64%
Communication Services	14.63%
Financial Services	14.12%
Health Care	11.22%
Consumer Cyclical	9.72%
Industrials	9.33%
Basic Materials	2.46%
Energy	2.19%

Asset Allocation

Asset Class	Value
Cash	2.67%
Equity	97.31%
Debt	0.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF US Flexible Equity I2 Investment Fund \| -	99%	₹1,052 Cr	1,881,749 ↓ -80,794
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	2%	₹18 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹2 Cr

3. DSP Natural Resources and New Energy Fund

To seek to generate capital appreciation and provide long term growth opportunities by investing in equity and equity related securities of companies domiciled in India whose predominant economic activity is in the (a) discovery, development, production, or distribution of natural resources, viz., energy, mining etc; (b) alternative energy and energy technology sectors, with emphasis given to renewable energy, automotive and on-site power generation, energy storage and enabling energy technologies. also invest a certain portion of its corpus in the equity and equity related securities of companies domiciled overseas, which are principally engaged in the discovery, development, production or distribution of natural resources and alternative energy and/or the units shares of Merrill Lynch international Investment Funds New Energy Fund, Merrill Lynch International Investment Funds World Energy Fund and similar other overseas mutual fund schemes.

Research Highlights for DSP Natural Resources and New Energy Fund

Lower mid AUM (₹1,573 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 24.19% (top quartile).
3Y return: 22.41% (top quartile).
1Y return: 29.49% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.74 (lower mid).
Information ratio: 0.00 (upper mid).
Higher exposure to Energy vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~93%).
Largest holding Jindal Steel Ltd (~9.1%).

Below is the key information for DSP Natural Resources and New Energy Fund

DSP Natural Resources and New Energy Fund Growth
Launch Date	25 Apr 08
NAV (30 Jan 26)	₹105.937 ↓ -2.95 (-2.70 %)
Net Assets (Cr)	₹1,573 on 31 Dec 25
Category	Equity - Sectoral
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.99
Sharpe Ratio	0.74
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)
Sub Cat.	Sectoral

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹14,714
31 Jan 23	₹16,147
31 Jan 24	₹21,748
31 Jan 25	₹23,125
31 Jan 26	₹29,537

DSP Natural Resources and New Energy 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 DSP Natural Resources and New Energy Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Feb 26

Duration	Returns
1 Month	6.9%
3 Month	8.9%
6 Month	17.9%
1 Year	29.5%
3 Year	22.4%
5 Year	24.2%
10 Year
15 Year
Since launch	14.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	17.5%
2023	13.9%
2022	31.2%
2021	9.8%
2020	42.8%
2019	11.5%
2018	4.4%
2017	-15.3%
2016	43.1%
2015	43.1%

Fund Manager information for DSP Natural Resources and New Energy Fund

Name	Since	Tenure
Rohit Singhania	1 Jul 12	13.51 Yr.

Data below for DSP Natural Resources and New Energy Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Energy	41.42%
Basic Materials	40.58%
Utility	8.34%
Industrials	1.69%
Technology	1.36%
Consumer Cyclical	0.07%

Asset Allocation

Asset Class	Value
Cash	6.54%
Equity	93.45%
Debt	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Jindal Steel Ltd (Basic Materials) Equity, Since 31 Mar 20 \| 532286	9%	₹143 Cr	1,356,666 ↑ 112,479
Tata Steel Ltd (Basic Materials) Equity, Since 31 Aug 16 \| TATASTEEL	9%	₹142 Cr	7,896,586 ↑ 440,344
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 31 May 20 \| 500312	9%	₹139 Cr	5,798,165 ↑ 327,603
BGF World Energy I2 Investment Fund \| -	7%	₹109 Cr	388,303 ↑ 53,433
Hindustan Zinc Ltd (Basic Materials) Equity, Since 31 Mar 09 \| 500188	5%	₹82 Cr	1,346,373 ↓ -170,030
National Aluminium Co Ltd (Basic Materials) Equity, Since 28 Feb 22 \| 532234	5%	₹77 Cr	2,439,055
Hindalco Industries Ltd (Basic Materials) Equity, Since 31 Oct 15 \| HINDALCO	5%	₹73 Cr	818,691 ↓ -134,099
BGF Sustainable Energy I2 Investment Fund \| -	5%	₹72 Cr	330,203 ↓ -113,271
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 08 \| 500547	4%	₹69 Cr	1,794,387 ↓ -204,474
Oil India Ltd (Energy) Equity, Since 29 Feb 24 \| OIL	4%	₹68 Cr	1,591,348 ↑ 186,088

4. Aditya Birla Sun Life Banking And Financial Services Fund

The primary investment objective of the Scheme is to generate long-term capital appreciation to unit holders from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes’ objectives will be achieved.

Research Highlights for Aditya Birla Sun Life Banking And Financial Services Fund

Upper mid AUM (₹3,694 Cr).
Established history (12+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 13.43% (lower mid).
3Y return: 17.00% (upper mid).
1Y return: 17.18% (upper mid).
Alpha: -1.32 (bottom quartile).
Sharpe: 0.84 (lower mid).
Information ratio: 0.25 (top quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~17.0%).
Top-3 holdings concentration ~39.4%.

Below is the key information for Aditya Birla Sun Life Banking And Financial Services Fund

Aditya Birla Sun Life Banking And Financial Services Fund Growth
Launch Date	14 Dec 13
NAV (02 Feb 26)	₹62.28 ↓ -1.29 (-2.03 %)
Net Assets (Cr)	₹3,694 on 31 Dec 25
Category	Equity - Sectoral
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.99
Sharpe Ratio	0.84
Information Ratio	0.25
Alpha Ratio	-1.32
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	0-365 Days (1%),365 Days and above(NIL)
Sub Cat.	Sectoral

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹12,928
31 Jan 23	₹13,061
31 Jan 24	₹16,628
31 Jan 25	₹17,605
31 Jan 26	₹21,057

Aditya Birla Sun Life Banking And Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for Aditya Birla Sun Life Banking And Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Feb 26

Duration	Returns
1 Month	-4.3%
3 Month	-0.6%
6 Month	4.6%
1 Year	17.2%
3 Year	17%
5 Year	13.4%
10 Year
15 Year
Since launch	16.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	17.5%
2023	8.7%
2022	21.7%
2021	11.5%
2020	16.8%
2019	1.1%
2018	14.9%
2017	-2.4%
2016	47.6%
2015	15.7%

Fund Manager information for Aditya Birla Sun Life Banking And Financial Services Fund

Name	Since	Tenure
Dhaval Gala	26 Aug 15	10.36 Yr.

Data below for Aditya Birla Sun Life Banking And Financial Services Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	97.16%
Technology	1.05%

Asset Allocation

Asset Class	Value
Cash	1.79%
Equity	98.21%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| 532174	17%	₹628 Cr	4,677,929
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| HDFCBANK	15%	₹536 Cr	5,408,496 ↓ -250,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| 532215	8%	₹292 Cr	2,302,100
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Sep 16 \| 500034	6%	₹211 Cr	2,137,250
State Bank of India (Financial Services) Equity, Since 31 Oct 17 \| SBIN	5%	₹188 Cr	1,918,689 ↓ -700,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 19 \| KOTAKBANK	4%	₹156 Cr	709,333
AU Small Finance Bank Ltd (Financial Services) Equity, Since 30 Nov 23 \| 540611	4%	₹134 Cr	1,346,861
Shriram Finance Ltd (Financial Services) Equity, Since 30 Jun 23 \| SHRIRAMFIN	3%	₹119 Cr	1,198,382
ICICI Lombard General Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 19 \| ICICIGI	3%	₹111 Cr	565,076
Cholamandalam Financial Holdings Ltd (Financial Services) Equity, Since 31 Jan 20 \| CHOLAHLDNG	3%	₹95 Cr	521,504 ↓ -60,084

5. ICICI Prudential Banking and Financial Services Fund

ICICI Prudential Banking and Financial Services Fund is an Open-ended equity scheme that seeks to generate long-term capital appreciation to unitholders from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for ICICI Prudential Banking and Financial Services Fund

Upper mid AUM (₹11,154 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 13.43% (lower mid).
3Y return: 15.61% (lower mid).
1Y return: 13.12% (upper mid).
Alpha: -0.56 (lower mid).
Sharpe: 0.88 (upper mid).
Information ratio: 0.16 (upper mid).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~19.6%).
Top-3 holdings concentration ~44.2%.

Below is the key information for ICICI Prudential Banking and Financial Services Fund

ICICI Prudential Banking and Financial Services Fund Growth
Launch Date	22 Aug 08
NAV (02 Feb 26)	₹134.3 ↓ -1.87 (-1.37 %)
Net Assets (Cr)	₹11,154 on 31 Dec 25
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.83
Sharpe Ratio	0.88
Information Ratio	0.16
Alpha Ratio	-0.56
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)
Sub Cat.	Sectoral

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹13,108
31 Jan 23	₹13,458
31 Jan 24	₹16,069
31 Jan 25	₹18,239
31 Jan 26	₹20,920

ICICI Prudential Banking and Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for ICICI Prudential Banking and Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Feb 26

Duration	Returns
1 Month	-4%
3 Month	-1.8%
6 Month	1.1%
1 Year	13.1%
3 Year	15.6%
5 Year	13.4%
10 Year
15 Year
Since launch	16.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	15.9%
2023	11.6%
2022	17.9%
2021	11.9%
2020	23.5%
2019	-5.5%
2018	14.5%
2017	-0.4%
2016	45.1%
2015	21.1%

Fund Manager information for ICICI Prudential Banking and Financial Services Fund

Name	Since	Tenure
Roshan Chutkey	29 Jan 18	7.93 Yr.
Sharmila D’mello	30 Jun 22	3.51 Yr.

Data below for ICICI Prudential Banking and Financial Services Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	94.59%
Health Care	1.22%
Technology	0.39%
Industrials	0.31%

Asset Allocation

Asset Class	Value
Cash	3.45%
Equity	96.55%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| HDFCBANK	20%	₹2,190 Cr	22,093,730 ↓ -200,998
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| 532174	17%	₹1,885 Cr	14,039,573 ↓ -718,924
State Bank of India (Financial Services) Equity, Since 31 Oct 08 \| SBIN	8%	₹850 Cr	8,650,456 ↓ -7,500
Axis Bank Ltd (Financial Services) Equity, Since 28 Feb 19 \| 532215	7%	₹835 Cr	6,575,273
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 17 \| SBILIFE	6%	₹614 Cr	3,016,205 ↓ -88,110
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 23 \| KOTAKBANK	5%	₹548 Cr	2,488,791
HDFC Life Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 23 \| HDFCLIFE	4%	₹393 Cr	5,241,538
ICICI Lombard General Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 19 \| ICICIGI	3%	₹303 Cr	1,546,688 ↑ 191,642
Max Financial Services Ltd (Financial Services) Equity, Since 31 Aug 19 \| 500271	2%	₹251 Cr	1,499,801 ↓ -149,360
SBI Cards and Payment Services Ltd Ordinary Shares (Financial Services) Equity, Since 30 Nov 25 \| 543066	2%	₹217 Cr	2,522,560 ↑ 2,439,946

6. Kotak Standard Multicap Fund

(Erstwhile Kotak Select Focus Fund)

The investment objective of the scheme is to generate long term appreciation from the portfolio of equity and equity related sectors, generally focussed on few selected sectors.

Research Highlights for Kotak Standard Multicap Fund

Highest AUM (₹56,460 Cr).
Established history (16+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately High.
5Y return: 14.18% (upper mid).
3Y return: 16.94% (lower mid).
1Y return: 10.84% (lower mid).
Alpha: 1.61 (top quartile).
Sharpe: 0.28 (bottom quartile).
Information ratio: -0.04 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding HDFC Bank Ltd (~6.9%).

Below is the key information for Kotak Standard Multicap Fund

Kotak Standard Multicap Fund Growth
Launch Date	11 Sep 09
NAV (02 Feb 26)	₹85.845 ↓ -0.89 (-1.02 %)
Net Assets (Cr)	₹56,460 on 31 Dec 25
Category	Equity - Multi Cap
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.47
Sharpe Ratio	0.28
Information Ratio	-0.04
Alpha Ratio	1.61
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
31 Jan 21	₹10,000
31 Jan 22	₹12,702
31 Jan 23	₹12,928
31 Jan 24	₹16,503
31 Jan 25	₹18,677
31 Jan 26	₹20,915

Kotak Standard Multicap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for Kotak Standard Multicap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Feb 26

Duration	Returns
1 Month	-2.5%
3 Month	-1.2%
6 Month	2.9%
1 Year	10.8%
3 Year	16.9%
5 Year	14.2%
10 Year
15 Year
Since launch	14%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9.5%
2023	16.5%
2022	24.2%
2021	5%
2020	25.4%
2019	11.8%
2018	12.3%
2017	-0.9%
2016	34.3%
2015	9.4%

Fund Manager information for Kotak Standard Multicap Fund

Name	Since	Tenure
Harsha Upadhyaya	4 Aug 12	13.42 Yr.

Data below for Kotak Standard Multicap Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	28.55%
Industrials	18.47%
Basic Materials	14.02%
Consumer Cyclical	11.77%
Technology	6.95%
Energy	6.27%
Communication Services	3.21%
Utility	3.19%
Health Care	2.83%
Consumer Defensive	2.2%

Asset Allocation

Asset Class	Value
Cash	2.52%
Equity	97.48%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 10 \| HDFCBANK	7%	₹3,915 Cr	39,500,000
Bharat Electronics Ltd (Industrials) Equity, Since 31 Aug 14 \| BEL	6%	₹3,197 Cr	80,000,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Sep 10 \| 532174	5%	₹2,954 Cr	22,000,000
State Bank of India (Financial Services) Equity, Since 31 Jan 12 \| SBIN	4%	₹2,338 Cr	23,800,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Sep 13 \| LT	4%	₹2,164 Cr	5,300,000
Axis Bank Ltd (Financial Services) Equity, Since 31 May 12 \| 532215	4%	₹2,031 Cr	16,000,000
Jindal Steel Ltd (Basic Materials) Equity, Since 31 Mar 18 \| 532286	4%	₹2,002 Cr	19,000,000
SRF Ltd (Industrials) Equity, Since 31 Dec 18 \| SRF	3%	₹1,922 Cr	6,250,000
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| 543320	3%	₹1,780 Cr	64,000,000
Bharti Airtel Ltd (Communication Services) Equity, Since 28 Feb 21 \| BHARTIARTL	3%	₹1,742 Cr	8,271,429

7. Kotak Equity Opportunities Fund

(Erstwhile Kotak Opportunities Scheme)

To generate capital appreciation from a diversified portfolio of equity and equity related securities. However, there is no assurance that the objective of the scheme will be realized.

Research Highlights for Kotak Equity Opportunities Fund

Top quartile AUM (₹30,039 Cr).
Established history (21+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately High.
5Y return: 17.39% (upper mid).
3Y return: 19.31% (upper mid).
1Y return: 10.51% (lower mid).
Alpha: -2.40 (bottom quartile).
Sharpe: 0.04 (bottom quartile).
Information ratio: -0.05 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding HDFC Bank Ltd (~6.4%).

Below is the key information for Kotak Equity Opportunities Fund

Kotak Equity Opportunities Fund Growth
Launch Date	9 Sep 04
NAV (02 Feb 26)	₹345.943 ↓ -3.34 (-0.95 %)
Net Assets (Cr)	₹30,039 on 31 Dec 25
Category	Equity - Large & Mid Cap
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.6
Sharpe Ratio	0.04
Information Ratio	-0.05
Alpha Ratio	-2.4
Min Investment	5,000
Min SIP Investment	1,000
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
31 Jan 21	₹10,000
31 Jan 22	₹13,212
31 Jan 23	₹13,754
31 Jan 24	₹18,432
31 Jan 25	₹21,134
31 Jan 26	₹23,581

Kotak Equity Opportunities Fund SIP Returns

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

Returns for Kotak Equity Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Feb 26

Duration	Returns
1 Month	-3%
3 Month	-1.3%
6 Month	3.2%
1 Year	10.5%
3 Year	19.3%
5 Year	17.4%
10 Year
15 Year
Since launch	18%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	5.6%
2023	24.2%
2022	29.3%
2021	7%
2020	30.4%
2019	16.5%
2018	13.2%
2017	-5.6%
2016	34.9%
2015	9.6%

Fund Manager information for Kotak Equity Opportunities Fund

Name	Since	Tenure
Harsha Upadhyaya	4 Aug 12	13.42 Yr.

Data below for Kotak Equity Opportunities Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	27.43%
Industrials	16.03%
Consumer Cyclical	13.11%
Basic Materials	11.57%
Health Care	7.35%
Technology	7.09%
Energy	6.04%
Communication Services	3.11%
Utility	3.01%
Consumer Defensive	1.51%
Real Estate	0.89%

Asset Allocation

Asset Class	Value
Cash	1.62%
Equity	98.38%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| HDFCBANK	6%	₹1,933 Cr	19,500,000
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	4%	₹1,228 Cr	12,500,000
Bharat Electronics Ltd (Industrials) Equity, Since 31 Oct 18 \| BEL	4%	₹1,119 Cr	28,000,000
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| 543320	3%	₹973 Cr	35,000,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Sep 10 \| 532174	3%	₹940 Cr	7,000,000
Infosys Ltd (Technology) Equity, Since 31 Jan 09 \| INFY	3%	₹861 Cr	5,330,405 ↓ -329,929
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 12 \| 532215	3%	₹787 Cr	6,200,000
Bharti Airtel Ltd (Communication Services) Equity, Since 28 Feb 21 \| BHARTIARTL	3%	₹769 Cr	3,650,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Sep 13 \| LT	3%	₹755 Cr	1,850,000
Coromandel International Ltd (Basic Materials) Equity, Since 30 Nov 16 \| 506395	2%	₹737 Cr	3,250,001

8. DSP Equity Opportunities Fund

(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

Research Highlights for DSP Equity Opportunities Fund

Upper mid AUM (₹17,576 Cr).
Oldest track record among peers (25 yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.91% (upper mid).
3Y return: 20.29% (upper mid).
1Y return: 8.75% (bottom quartile).
Alpha: -0.86 (bottom quartile).
Sharpe: 0.13 (bottom quartile).
Information ratio: 0.34 (top quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding Axis Bank Ltd (~5.7%).

Below is the key information for DSP Equity Opportunities Fund

DSP Equity Opportunities Fund Growth
Launch Date	16 May 00
NAV (02 Feb 26)	₹624.85 ↓ -6.78 (-1.07 %)
Net Assets (Cr)	₹17,576 on 31 Dec 25
Category	Equity - Large & Mid Cap
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.72
Sharpe Ratio	0.13
Information Ratio	0.34
Alpha Ratio	-0.86
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
31 Jan 21	₹10,000
31 Jan 22	₹13,213
31 Jan 23	₹13,446
31 Jan 24	₹18,399
31 Jan 25	₹21,364
31 Jan 26	₹23,485

DSP Equity Opportunities Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 Invest Now

Returns for DSP Equity Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Feb 26

Duration	Returns
1 Month	-3.9%
3 Month	-0.3%
6 Month	3.7%
1 Year	8.7%
3 Year	20.3%
5 Year	16.9%
10 Year
15 Year
Since launch	17.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.1%
2023	23.9%
2022	32.5%
2021	4.4%
2020	31.2%
2019	14.2%
2018	11.4%
2017	-9.2%
2016	40.1%
2015	11.2%

Fund Manager information for DSP Equity Opportunities Fund

Name	Since	Tenure
Rohit Singhania	1 Jun 15	10.59 Yr.
Nilesh Aiya	1 Sep 25	0.33 Yr.

Data below for DSP Equity Opportunities Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	35.93%
Consumer Cyclical	12.18%
Technology	10.73%
Health Care	9.94%
Basic Materials	8.58%
Energy	6.44%
Industrials	3.53%
Communication Services	3.36%
Utility	2.99%
Consumer Defensive	2.92%
Real Estate	1.75%

Asset Allocation

Asset Class	Value
Cash	1.64%
Equity	98.36%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Bank Ltd (Financial Services) Equity, Since 30 Sep 20 \| 532215	6%	₹999 Cr	7,873,112
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| HDFCBANK	5%	₹839 Cr	8,465,314 ↑ 742,774
State Bank of India (Financial Services) Equity, Since 30 Jun 20 \| SBIN	4%	₹759 Cr	7,727,309 ↓ -668,646
Infosys Ltd (Technology) Equity, Since 28 Feb 18 \| INFY	4%	₹662 Cr	4,095,090 ↓ -1,102,036
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 16 \| 532174	4%	₹636 Cr	4,736,526 ↑ 82,524
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Oct 25 \| TCS	3%	₹459 Cr	1,431,705 ↑ 487,602
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Oct 22 \| KOTAKBANK	2%	₹417 Cr	1,894,517 ↓ -201,490
Shriram Finance Ltd (Financial Services) Equity, Since 30 Jun 23 \| SHRIRAMFIN	2%	₹410 Cr	4,112,274 ↑ 2,865
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Nov 21 \| M&M	2%	₹395 Cr	1,065,842
Samvardhana Motherson International Ltd (Consumer Cyclical) Equity, Since 31 Dec 22 \| MOTHERSON	2%	₹372 Cr	31,001,725

9. PGIM India Credit Risk Fund

(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.

Research Highlights for PGIM India Credit Risk Fund

Bottom quartile AUM (₹39 Cr).
Established history (11+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.43% (bottom quartile).
1M return: 0.27% (upper mid).
Sharpe: 1.73 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 5.01% (top quartile).
Modified duration: 0.54 yrs (bottom quartile).
Average maturity: 0.59 yrs (bottom quartile).
Exit load: 0-1 Years (1%),1 Years and above(NIL).

Below is the key information for PGIM India Credit Risk Fund

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
31 Jan 21	₹10,000

PGIM India Credit Risk Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235 Invest Now

Returns for PGIM India Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Feb 26

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. Axis Credit Risk Fund

(Erstwhile Axis Fixed Income Opportunities Fund)

To generate stable returns by investing in debt & money market instruments across the yield curve & credit spectrum. 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 Axis Credit Risk Fund

Bottom quartile AUM (₹368 Cr).
Established history (11+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.21% (bottom quartile).
1M return: 0.09% (upper mid).
Sharpe: 2.72 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.22% (top quartile).
Modified duration: 2.16 yrs (bottom quartile).
Average maturity: 2.49 yrs (bottom quartile).
Exit load: 0-12 Months (1%),12 Months and above(NIL).
Top sector: Real Estate.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~89%).
High-quality debt (AAA/AA ~81%).
Largest holding 7.18% Govt Stock 2033 (~4.8%).

Below is the key information for Axis Credit Risk Fund

Axis Credit Risk Fund Growth
Launch Date	15 Jul 14
NAV (02 Feb 26)	₹22.291 ↓ -0.01 (-0.03 %)
Net Assets (Cr)	₹368 on 31 Dec 25
Category	Debt - Credit Risk
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	1.57
Sharpe Ratio	2.72
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity	8.22%
Effective Maturity	2 Years 5 Months 26 Days
Modified Duration	2 Years 1 Month 28 Days
Sub Cat.	Credit Risk

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,595
31 Jan 23	₹11,042
31 Jan 24	₹11,827
31 Jan 25	₹12,782
31 Jan 26	₹13,836

Axis Credit Risk Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Axis Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Feb 26

Duration	Returns
1 Month	0.1%
3 Month	1.2%
6 Month	3.2%
1 Year	8.2%
3 Year	7.8%
5 Year	6.7%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.7%
2023	8%
2022	7%
2021	4%
2020	6%
2019	8.2%
2018	4.4%
2017	5.9%
2016	6.4%
2015	9.8%

Fund Manager information for Axis Credit Risk Fund

Name	Since	Tenure
Devang Shah	15 Jul 14	11.47 Yr.
Akhil Thakker	9 Nov 21	4.15 Yr.

Data below for Axis Credit Risk Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	6.38%
Equity	4.52%
Debt	88.61%
Other	0.49%

Debt Sector Allocation

Sector	Value
Corporate	80.5%
Government	8.11%
Cash Equivalent	6.38%

Credit Quality

Rating	Value
A	19.37%
AA	62.19%
AAA	18.45%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	5%	₹18 Cr	1,700,000 ↑ 500,000
Jubilant Bevco Limited Debentures \| -	4%	₹16 Cr	1,500
Jtpm Metal TRaders Limited Debentures \| -	4%	₹15 Cr	1,500
Narayana Hrudayalaya Limited Debentures \| -	4%	₹15 Cr	1,500
Aditya Birla Renewables Limited Debentures \| -	4%	₹15 Cr	1,500
Altius Telecom Infrastructure Trust Debentures \| -	4%	₹15 Cr	1,500
Infopark Properties Limited Debentures \| -	4%	₹15 Cr	1,500
Aditya Birla Digital Fashion Ventures Limited Debentures \| -	4%	₹15 Cr	1,500
Vedanta Limited Debentures \| -	3%	₹12 Cr	1,200
Jubilant Beverages Limited Debentures \| -	3%	₹11 Cr	1,000

മികച്ച പ്രകടനം നടത്തുന്ന മ്യൂച്വൽ ഫണ്ട് എങ്ങനെ തിരഞ്ഞെടുക്കാം?

ഒരു നല്ല ഫണ്ട് സ്വയം കണ്ടെത്താനുള്ള ഏറ്റവും നല്ല മാർഗം അതിന്റെ ഗുണപരവും അളവുപരവുമായ അളവുകൾ നോക്കുക എന്നതാണ്-

ഫണ്ട് പ്രകടനം

ഒരു നിശ്ചിത കാലയളവിൽ ഫണ്ടുകളുടെ പ്രകടനത്തെക്കുറിച്ച് നിക്ഷേപകർ ന്യായമായ വിലയിരുത്തൽ നടത്തണം. 4-5 വർഷത്തിലേറെയായി അതിന്റെ മാനദണ്ഡം തുടർച്ചയായി മറികടക്കുന്ന ഒരു ഫണ്ട് തിരഞ്ഞെടുക്കാൻ നിർദ്ദേശിക്കുന്നു.

AUM

മാനേജ്‌മെന്റിന് കീഴിലുള്ള അസറ്റാണ് AUM. വളരെ വലുതോ ചെറുതോ അല്ലാത്ത ഒരു ഫണ്ടിലേക്കാണ് ഒരാൾ എപ്പോഴും പോകേണ്ടത്. ഫണ്ടിന്റെ വലുപ്പം തമ്മിൽ കൃത്യമായ നിർവചനവും ബന്ധവും ഇല്ലെങ്കിലും, വളരെ ചെറുതും വലുതും ഒരു ഫണ്ടിന്റെ പ്രകടനത്തെ തടസ്സപ്പെടുത്തുമെന്ന് പറയപ്പെടുന്നു.

ഫണ്ട് മാനേജർ

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ഫണ്ട് ഹൗസ് പ്രശസ്തി

ഫണ്ട് ഹൗസിന്റെ ഗുണനിലവാരവും പ്രശസ്തിയും എപ്പോഴും നോക്കേണ്ടത് പ്രധാനമാണ്. ശക്തമായ സ്ഥിരതയുള്ള ട്രാക്ക് റെക്കോർഡ്, സ്റ്റാർട്ട് ഫണ്ടുകൾ/നല്ല പെർഫോമിംഗ് ഫണ്ടുകൾ മുതലായവ ഉള്ള ഒരു ഫണ്ട് ഹൗസാണ് നിക്ഷേപിക്കേണ്ടത്.

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