2022 मध्ये गुंतवणूक करण्यासाठी 6 सर्वोत्तम मासिक उत्पन्न योजना (MIP) फंड

Table of Contents

मासिक उत्पन्न योजनेत (MIP) कोणी गुंतवणूक करावी?
भारतातील 6 सर्वोत्कृष्ट कामगिरी करणारे मासिक उत्पन्न म्युच्युअल फंड FY 22 - 23
एमआयपी म्युच्युअल फंड योजनेतील जोखीम
मासिक उत्पन्न योजनांमध्ये ऑनलाइन गुंतवणूक कशी करावी?
Top 4 Hybrid - Hybrid Debt Funds

6 सर्वोत्तम मासिक उत्पन्न योजना (MIP) 2022

Updated on December 20, 2024 , 170604 views

दमासिक उत्पन्न योजना हा एक ओपन-एंडेड म्युच्युअल फंड आहे जो प्रामुख्याने त्याच्या मालमत्तेमध्ये स्थिर गुंतवणूक करतोउत्पन्न साधने सामान्यतः, मासिक उत्पन्न योजना ही कर्ज आणि इक्विटी मालमत्तांचे संयोजन असते, ज्यामध्ये 65% अधिक मालमत्ता गुंतविली जातात.निश्चित उत्पन्न उत्पन्न देणारी साधने. तथापि, मासिक उत्पन्न योजनेची उर्वरित मालमत्ता इक्विटी-लिंक्ड साधनांमध्ये गुंतविली जाते, जसे की शेअर्स आणि स्टॉक, जे प्रदान करतातबाजार- लिंक्ड रिटर्न.

मासिक उत्पन्न योजनेचा मूळ उद्देश लोकांना नियमित उत्पन्न मिळवून देणे हा आहे. तसेच, एमआयपी म्युच्युअल फंड मासिक तसेच त्रैमासिक उत्पन्नाचा पर्याय देते, जे लोक त्यांच्या सोयीनुसार निवडू शकतात.

तुम्हाला मासिक उत्पन्न योजनेत गुंतवणूक करायची असल्यास, विविध म्युच्युअल फंड कंपन्यांनी ऑफर केलेल्या सर्वोत्तम मासिक उत्पन्न योजनेची यादी विचारात घेण्याचा सल्ला दिला जातो.

मासिक उत्पन्न योजनेत (MIP) कोणी गुंतवणूक करावी?

कोणताही मध्यम जोखीम-प्रतिरोधकगुंतवणूकदार जो निश्चित उत्पन्नासह इक्विटी मार्केटमध्ये काही एक्स्पोजर शोधत आहे ते मासिक उत्पन्न योजनेत गुंतवणूक करू शकतात. निश्चित उत्पन्न देण्याव्यतिरिक्त, मासिक उत्पन्न योजना मार्केट लिंक्ड रिटर्न ऑफर करते. शिवाय, मासिक उत्पन्न योजना ज्येष्ठ नागरिकांसाठीही योग्य आहे, जे जवळ आहेतसेवानिवृत्ती.

म्हणून, जर तुम्ही मासिक उत्पन्न शोधत असाल, तर आताच सर्वोत्तम मासिक उत्पन्न योजनेत गुंतवणूक करा!

भारतातील 6 सर्वोत्तम कामगिरी करणारे मासिक उत्पन्न म्युच्युअल फंड FY 22 - 23

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2023 (%)	Since launch (%)
ICICI Prudential MIP 25 Growth	₹71.981 ↓ -0.25	₹3,201	-0.3	4.3	12	9.6	9.7	11.4	10
Baroda Pioneer Conservative Hybrid Fund Growth	₹30.2092 ↑ 0.02	₹33	-1.7	-1.2	3.3	9.1	7.8		6.5
DSP BlackRock Regular Savings Fund Growth	₹55.8718 ↓ -0.20	₹180	-0.4	4.6	11.5	9	8.6	12	8.7
Aditya Birla Sun Life Regular Savings Fund Growth	₹63.797 ↓ -0.23	₹1,432	0.3	4.5	11.1	8.9	9.6	9.6	9.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Dec 24

*सर्वोत्तम कामगिरी करणाऱ्या मासिक उत्पन्नाची यादी वर दिली आहेम्युच्युअल फंड 3 वर्षांपेक्षा जास्त मालमत्तेचे व्यवस्थापन.

1. ICICI Prudential MIP 25

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 CAGR/Annualized return of 10% since its launch. Ranked 2 in Hybrid Debt category. Return for 2023 was 11.4% , 2022 was 5.1% and 2021 was 9.9% .

Below is the key information for ICICI Prudential MIP 25

ICICI Prudential MIP 25 Growth
Launch Date	30 Mar 04
NAV (20 Dec 24)	₹71.981 ↓ -0.25 (-0.35 %)
Net Assets (Cr)	₹3,201 on 30 Nov 24
Category	Hybrid - Hybrid Debt
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.74
Sharpe Ratio	2.07
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,954
30 Nov 21	₹12,192
30 Nov 22	₹12,942
30 Nov 23	₹14,092
30 Nov 24	₹15,939

ICICI Prudential MIP 25 SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859 Invest Now

Returns for ICICI Prudential MIP 25

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24

Duration	Returns
1 Month	0.7%
3 Month	-0.3%
6 Month	4.3%
1 Year	12%
3 Year	9.6%
5 Year	9.7%
10 Year
15 Year
Since launch	10%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	22.5%

Fund Manager information for ICICI Prudential MIP 25

Name	Since	Tenure
Manish Banthia	19 Sep 13	11.21 Yr.
Akhil Kakkar	22 Jan 24	0.86 Yr.
Roshan Chutkey	2 May 22	2.59 Yr.
Sharmila D’mello	31 Jul 22	2.34 Yr.

Data below for ICICI Prudential MIP 25 as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	17.85%
Equity	21.59%
Debt	60.28%
Other	0.27%

Equity Sector Allocation

Sector	Value
Financial Services	7.83%
Health Care	4.43%
Consumer Cyclical	3.21%
Basic Materials	1.74%
Communication Services	1.26%
Consumer Defensive	1.12%
Technology	0.8%
Utility	0.65%
Industrials	0.51%
Energy	0.03%

Debt Sector Allocation

Sector	Value
Corporate	42.84%
Government	20.51%
Cash Equivalent	13.27%
Securitized	1.5%

Credit Quality

Rating	Value
A	10.61%
AA	35.41%
AAA	53.99%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	8%	₹263 Cr	25,815,500
7.53% Govt Stock 2034 Sovereign Bonds \| -	6%	₹193 Cr	19,074,750 ↓ -11,830,000
7.38% Govt Stock 2027 Sovereign Bonds \| -	4%	₹117 Cr	11,500,000
State Bank Of India Debentures \| -	3%	₹98 Cr	1,000 ↑ 1,000
L&T Metro Rail (Hyderabad) Limited Debentures \| -	3%	₹84 Cr	850
360 One Prime Limited Debentures \| -	2%	₹75 Cr	7,500
ICICI Bank Ltd (Financial Services) Equity, Since 30 Jun 19 \| ICICIBANK	2%	₹67 Cr	536,823
Yes Bank Limited Debentures \| -	2%	₹64 Cr	650
Prestige Estates Projects Limited Debentures \| -	2%	₹60 Cr	600
7.26% Govt Stock 2033 Sovereign Bonds \| -	2%	₹56 Cr	5,463,150

2. Baroda Pioneer Conservative Hybrid Fund

(Erstwhile Baroda Pioneer MIP Fund)

To generate regular income through investment in debt and money market instruments and also to generate long term capital appreciation by investing a portion in equity and equity related instruments.

Baroda Pioneer Conservative Hybrid Fund is a Hybrid - Hybrid Debt fund was launched on 8 Sep 04. It is a fund with Moderate risk and has given a CAGR/Annualized return of 6.5% since its launch. Ranked 44 in Hybrid Debt category. .

Below is the key information for Baroda Pioneer Conservative Hybrid Fund

Baroda Pioneer Conservative Hybrid Fund Growth
Launch Date	8 Sep 04
NAV (11 Mar 22)	₹30.2092 ↑ 0.02 (0.06 %)
Net Assets (Cr)	₹33 on 31 Jan 22
Category	Hybrid - Hybrid Debt
AMC	Baroda Pioneer Asset Management Co. Ltd.
Rating	☆☆
Risk	Moderate
Expense Ratio	2.08
Sharpe Ratio	0.85
Information Ratio	-0.38
Alpha Ratio	0.25
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹11,205
30 Nov 21	₹11,932

Baroda Pioneer Conservative Hybrid Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹367,070.
Net Profit of ₹67,070 Invest Now

Returns for Baroda Pioneer Conservative Hybrid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24

Duration	Returns
1 Month	-1.1%
3 Month	-1.7%
6 Month	-1.2%
1 Year	3.3%
3 Year	9.1%
5 Year	7.8%
10 Year
15 Year
Since launch	6.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014

Fund Manager information for Baroda Pioneer Conservative Hybrid Fund

Name	Since	Tenure

Data below for Baroda Pioneer Conservative Hybrid Fund as on 31 Jan 22

Asset Allocation

Asset Class	Value

Equity Sector Allocation

Sector	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

3. DSP BlackRock Regular Savings Fund

(Erstwhile DSP BlackRock MIP Fund)

The scheme is seeking to generate an attractive return, consistent with prudent risk, from a portfolio which is substantially constituted of quality debt securities. The scheme will also seek to generate capital appreciation by investing a smaller portion of its corpus in equity and equity related securities of the 100 largest corporates by market capitalisation, listed in India.

DSP BlackRock Regular Savings Fund is a Hybrid - Hybrid Debt fund was launched on 11 Jun 04. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 8.7% since its launch. Ranked 22 in Hybrid Debt category. Return for 2023 was 12% , 2022 was 3.5% and 2021 was 7.8% .

Below is the key information for DSP BlackRock Regular Savings Fund

DSP BlackRock Regular Savings Fund Growth
Launch Date	11 Jun 04
NAV (20 Dec 24)	₹55.8718 ↓ -0.20 (-0.35 %)
Net Assets (Cr)	₹180 on 30 Nov 24
Category	Hybrid - Hybrid Debt
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.14
Sharpe Ratio	1.77
Information Ratio	0.76
Alpha Ratio	0.87
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,818
30 Nov 21	₹11,693
30 Nov 22	₹12,212
30 Nov 23	₹13,385
30 Nov 24	₹15,140

DSP BlackRock Regular Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹376,357.
Net Profit of ₹76,357 Invest Now

Returns for DSP BlackRock Regular Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24

Duration	Returns
1 Month	0.4%
3 Month	-0.4%
6 Month	4.6%
1 Year	11.5%
3 Year	9%
5 Year	8.6%
10 Year
15 Year
Since launch	8.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	12%
2022	3.5%
2021	7.8%
2020	9.3%
2019	6.9%
2018	-5.3%
2017	11%
2016	10.7%
2015	4.8%
2014	18.5%

Fund Manager information for DSP BlackRock Regular Savings Fund

Name	Since	Tenure
Abhishek Singh	31 May 21	3.51 Yr.
Shantanu Godambe	1 Aug 24	0.33 Yr.

Data below for DSP BlackRock Regular Savings Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	12.23%
Equity	20.74%
Debt	66.75%
Other	0.28%

Equity Sector Allocation

Sector	Value
Financial Services	10.16%
Consumer Cyclical	2.63%
Health Care	2.27%
Basic Materials	1.24%
Technology	1.15%
Consumer Defensive	1.15%
Industrials	0.66%
Utility	0.63%
Energy	0.46%
Communication Services	0.39%

Debt Sector Allocation

Sector	Value
Government	50.83%
Corporate	15.92%
Cash Equivalent	12.23%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.32% Govt Stock 2030 Sovereign Bonds \| -	12%	₹23 Cr	2,200,000
7.02% Govt Stock 2031 Sovereign Bonds \| -	8%	₹16 Cr	1,500,000
Power Grid Corporation Of India Limited Debentures \| -	6%	₹11 Cr	100
Rec Limited Debentures \| -	6%	₹10 Cr	100
Indian Oil Corporation Limited Debentures \| -	6%	₹10 Cr	100
7.1% Govt Stock 2029 Sovereign Bonds \| -	5%	₹10 Cr	1,000,000
7.06% Govt Stock 2028 Sovereign Bonds \| -	5%	₹10 Cr	1,000,000
Power Finance Corporation Limited Debentures \| -	4%	₹8 Cr	250
Export Import Bank Of India Debentures \| -	3%	₹5 Cr	50
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹5 Cr	50

4. Aditya Birla Sun Life Regular Savings Fund

(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 CAGR/Annualized return of 9.4% since its launch. Ranked 4 in Hybrid Debt category. Return for 2023 was 9.6% , 2022 was 5.3% and 2021 was 13.4% .

Below is the key information for Aditya Birla Sun Life Regular Savings Fund

Aditya Birla Sun Life Regular Savings Fund Growth
Launch Date	22 May 04
NAV (20 Dec 24)	₹63.797 ↓ -0.23 (-0.36 %)
Net Assets (Cr)	₹1,432 on 15 Dec 24
Category	Hybrid - Hybrid Debt
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.89
Sharpe Ratio	2.1
Information Ratio	0.59
Alpha Ratio	1.28
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,653
30 Nov 21	₹12,343
30 Nov 22	₹13,098
30 Nov 23	₹14,004
30 Nov 24	₹15,773

Aditya Birla Sun Life Regular Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859 Invest Now

Returns for Aditya Birla Sun Life Regular Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24

Duration	Returns
1 Month	0.8%
3 Month	0.3%
6 Month	4.5%
1 Year	11.1%
3 Year	8.9%
5 Year	9.6%
10 Year
15 Year
Since launch	9.4%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	27.7%

Fund Manager information for Aditya Birla Sun Life Regular Savings Fund

Name	Since	Tenure
Mohit Sharma	31 Oct 24	0.08 Yr.
Harshil Suvarnkar	22 Mar 21	3.7 Yr.

Data below for Aditya Birla Sun Life Regular Savings Fund as on 15 Dec 24

Asset Allocation

Asset Class	Value
Cash	3.78%
Equity	23.15%
Debt	72.76%
Other	0.31%

Equity Sector Allocation

Sector	Value
Financial Services	5.37%
Industrials	3.67%
Technology	2.61%
Consumer Cyclical	2.56%
Health Care	2.36%
Basic Materials	1.57%
Real Estate	1.56%
Energy	1.11%
Consumer Defensive	0.96%
Communication Services	0.89%
Utility	0.5%

Debt Sector Allocation

Sector	Value
Government	39.63%
Corporate	33.13%
Cash Equivalent	3.78%

Credit Quality

Rating	Value
AA	5.06%
AAA	94.94%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.17% Govt Stock 2030 Sovereign Bonds \| -	5%	₹71 Cr	7,000,000 ↓ -2,500,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	3%	₹43 Cr	4,206,000 ↑ 2,500,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	3%	₹36 Cr	3,500,000 ↑ 500,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	2%	₹32 Cr	3,130,000 ↑ 500,000
07.49 Tn SDL 2034 Sovereign Bonds \| -	2%	₹31 Cr	3,000,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹30 Cr	300
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	2%	₹29 Cr	232,335
Rural Electrification Corporation Limited Debentures \| -	2%	₹26 Cr	250
7.17% Govt Stock 2028 Sovereign Bonds \| -	2%	₹25 Cr	2,500,000
Tata Capital Housing Finance Limited Debentures \| -	2%	₹25 Cr	2,500

एमआयपी म्युच्युअल फंड योजनेतील जोखीम

आधीगुंतवणूक वर नमूद केलेल्या कोणत्याही सर्वोत्तम मासिक उत्पन्न योजनेमध्ये, तुम्हाला मासिक उत्पन्न योजनेचे धोके माहित असणे आवश्यक आहे.

निश्चित आश्वासन नाही

असा सामान्य समज आहे की मासिक उत्पन्न योजना मासिक निश्चित उत्पन्न प्रदान करते. परंतु, अशा म्युच्युअल फंडांमध्ये खात्रीशीर परताव्याची हमी नसते. कारण या योजनेतही गुंतवणूक होतेइक्विटी, परतावा फंडाच्या कामगिरीवर आणि बाजाराच्या स्थितीवर अवलंबून असतो.

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लाभांश भांडवलाद्वारे नव्हे तर नफ्याद्वारे घोषित केला जातो

मासिक उत्पन्न योजनेसाठी लाभांश केवळ अतिरिक्त उत्पन्नातूनच दिला जाऊ शकतो आणि त्यातून नाहीभांडवल गुंतवणूक उदाहरणार्थ, जर निव्वळ मालमत्ता मूल्य (नाही) पासून निधी वाढतोINR 10 ते INR 13, योजना केवळ भांडवली वाढीमध्ये कमावलेल्या INR 3 पैकी घोषित करू शकते. त्यामुळे, जर या योजनेचा एनएव्ही हळूहळू वाढला किंवा बाजारातील हालचालींमुळे घसरला, तर तो लाभांश जाहीर करू शकत नाही.

डीडीटी आकारला जातो

तुम्ही लाभांश पर्यायासह MIP ची निवड केल्यास, तुम्ही वेळोवेळी लाभांशाच्या रूपात कमावलेल्या उत्पन्नावर लाभांश वितरण कर (DDT) आकारला जातो. त्यामुळे, परतावा पूर्णपणे करमुक्त नाही.

MIP वर कर आकारणी आणि एक्झिट लोड

ठराविक मासिक उत्पन्न योजनांचा लॉक-इन कालावधी तीन वर्षांपेक्षा जास्त असतो, त्यामुळे जर योजना मुदतपूर्तीच्या आधी विकली गेली तर एक विशिष्ट निर्गमन भार लागू होतो. तसेच, एमआयपी त्यांच्या बहुतेक मालमत्तेची गुंतवणूक कर्ज साधनांमध्ये करतात, त्यामुळे कर्ज गुंतवणुकीनुसार त्यांच्यावर कर आकारला जातो.

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येथे प्रदान केलेली माहिती अचूक असल्याची खात्री करण्यासाठी सर्व प्रयत्न केले गेले आहेत. तथापि, डेटाच्या अचूकतेबद्दल कोणतीही हमी दिली जात नाही. कृपया कोणतीही गुंतवणूक करण्यापूर्वी योजना माहिती दस्तऐवजासह सत्यापित करा.