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बचत आणि गुंतवणूक यातील प्रमुख फरक
संतुलित आर्थिक योजना तयार करण्यासाठी 50-20-30 नियम वापरा
बचत करण्यापेक्षा गुंतवणूक का बरी
2023 मध्ये गुंतवणूक करण्यासाठी सर्वोत्तम म्युच्युअल फंड
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बचत आणि गुंतवणूक यातील फरक

Updated on April 18, 2025 , 1539 views

आजच्या जगात, आर्थिक सुरक्षितता मिळवण्यासाठी बचत आणि गुंतवणुकीच्या मूलभूत गोष्टी समजून घेणे आवश्यक आहे. तुमच्या आर्थिक बाबतीत स्मार्ट निर्णय घेऊन तुम्ही तुमचे आणि तुमच्या कुटुंबासाठी एक सुरक्षित भविष्य निर्माण करू शकता. या मार्गदर्शकाचे उद्दिष्ट बचत आणि गुंतवणुकी तसेच काही मूलभूत तत्त्वे सादर करणे आहेआर्थिक नियोजन. आम्ही विविध प्रकारच्या गुंतवणूक वाहनांची चर्चा करू, कसे करावेपैसे वाचवा, बजेट तंत्र,निवृत्ती नियोजन धोरणे, आणि अधिक. हातात योग्य ज्ञान असल्यास, जेव्हा गुंतवणूक करण्याची किंवा निवृत्तीची योजना करण्याची वेळ येते तेव्हा तुम्ही माहितीपूर्ण निर्णय घेऊ शकता.

प्रभावी आर्थिक धोरणासाठी सर्व पैलूंचा विचार करणारा सर्वांगीण दृष्टिकोन आवश्यक आहेवैयक्तिक वित्त, कर आकारणी नियमांसह,विमा धोरणे, इस्टेट नियोजन विचार, कर्ज व्यवस्थापन समस्या आणि कालांतराने शाश्वत संपत्ती निर्माण करण्याशी संबंधित इतर घटक.गुंतवणूक करत आहे हुशारीने आता भविष्यात अधिक परतावा मिळू शकतो, त्यामुळे बचत आणि योग्यरित्या गुंतवणूक करण्याबद्दल जाणून घेण्यासाठी आत्ताच वेळ काढा!

बचत आणि गुंतवणूक यातील प्रमुख फरक

बचत आणि गुंतवणूक या दोन वेगळ्या आर्थिक संज्ञा आहेत ज्यांचा वापर लोक सहसा परस्पर बदलून करतात. तथापि, बचत आणि गुंतवणुकीमधील मुख्य फरक समजून घेणे आवश्यक आहे, कारण ते भिन्न हेतू पूर्ण करतात. बचतीमध्ये भविष्यातील वापरासाठी पैसे सुरक्षित ठिकाणी ठेवून बाजूला ठेवणे समाविष्ट आहे जसे की अबँक खातेमुदत ठेव किंवा इतर सुरक्षित गुंतवणूक. दुसरीकडे, गुंतवणुकीत, सारख्या साधनांमध्ये पैसे घालणे समाविष्ट आहेम्युच्युअल फंड, सोने, साठा,ईटीएफ, इत्यादी, अतिरिक्त निर्माण करण्याच्या उद्दिष्टासहउत्पन्न किंवाभांडवल कालांतराने नफा होतो.

बचत आणि गुंतवणूक यातील महत्त्वाचा फरक म्हणजे बचत केल्याने तुम्हाला खूप कमी परतावा मिळतो आणि कमी जोखीम असते. गुंतवणुकीत जोखीम असू शकते परंतु संभाव्यत: जास्त परतावा मिळू शकतो. या व्यतिरिक्त, बचतींमध्ये सुरक्षिततेची हमी असते, तर गुंतवणुकीत आणखी काही गोष्टींचा समावेश असू शकतोअस्थिरता अवलंबूनबाजार परिस्थिती. शेवटी, तुमच्या गरजा आणि उद्दिष्टांसाठी कोणत्या प्रकारचा क्रियाकलाप सर्वात योग्य आहे हे ठरवताना तुम्ही किती धोका पत्करण्यास तयार आहात हे तुमच्यावर अवलंबून आहे.

बचत	गुंतवणूक करत आहे
तुम्ही तुमची अल्पकालीन उद्दिष्टे पूर्ण करू शकता आणि सर्व अनियोजित खर्च व्यवस्थापित करू शकता	तुम्ही संपत्ती निर्माण करू शकता आणि एपोर्टफोलिओ, तुम्ही गुंतवणूक करत असलेल्या भांडवलाचे कौतुक करा
हे अल्पकालीन नफ्यासाठी आदर्श आहे	हे दीर्घकालीन नफ्यासाठी आदर्श आहे कारण ते सकारात्मक परतावा देते
तुम्हाला उच्च मूल्याचे परतावा देत नाही	तुम्ही योग्य गुंतवणुकीच्या धोरणांचे पालन करत असाल तर ते तुम्हाला प्रचंड परतावा मिळविण्यात मदत करते
पैसे वाचवण्यामध्ये कोणताही धोका नाही	हे बाजाराच्या जोखमीच्या अधीन आहे आणि जर तुम्ही बाजारातील ट्रेंड आणि विश्लेषणाचे पालन करत नसाल तर त्यात नुकसान समाविष्ट असू शकते
तुम्ही ठेवींचे प्रमाणपत्र, पैसे कमावणारी साधने आणि उघडणे वापरून तुमचे पैसे वाचवू शकताबचत खाते	तुम्ही शेअर्समध्ये गुंतवणूक करू शकता,बंध, ETFs आणि म्युच्युअल फंड गुंतवणूक पोर्टफोलिओ तयार करण्यासाठी

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संतुलित आर्थिक योजना तयार करण्यासाठी 50-20-30 नियम वापरा

एक संतुलित तयार करणेआर्थिक योजना बचत विरुद्ध गुंतवणूक गुणोत्तराचा विचार करणे आवश्यक आहे. बचत आणि गुंतवणूक या दोन्ही वैयक्तिक फायनान्सचे अविभाज्य पैलू आहेत आणि दीर्घकालीन आर्थिक स्थैर्य प्राप्त करण्यासाठी दोघांमध्ये समतोल राखणे महत्त्वाचे आहे. दर महिन्याला तुमच्या उत्पन्नातील किती बचत आणि गुंतवणुकीसाठी तुम्ही वाटप केले पाहिजे हे निर्धारित करण्याचा गुणोत्तर हा एक मार्ग आहे.

नियम सुचवतो की तुम्ही तुमची कर-पश्चात उत्पन्न तीन श्रेणींमध्ये विभागली पाहिजे:

गरजा (50%): या श्रेणीमध्ये भाडे, कर्ज, उपयुक्तता, किराणा सामान, वाहतूक आणि विमा यासारखे सर्व आवश्यक खर्च समाविष्ट आहेत जे तुम्ही प्रत्येक महिन्याला भरावे लागतील.
बचत आणि कर्ज कपात (२०%): या श्रेणीमध्ये तुम्ही दीर्घकालीन उद्दिष्टांसाठी बाजूला ठेवलेल्या कोणत्याही पैशाचा समावेश होतो, जसे की सेवानिवृत्ती बचत किंवा कर्ज फेडणे. ही श्रेणी तुमची "आर्थिक उशी" म्हणूनही ओळखली जाते कारण ती तुम्हाला आपत्कालीन परिस्थितीत सुरक्षा जाळी तयार करण्यात मदत करते.
पाहिजे (३०%): या वर्गवारीमध्ये तुम्ही निवडलेल्या कोणत्याही विवेकी खर्चाचा समावेश होतो, जसे की बाहेर खाणे, मनोरंजन, प्रवास करणे किंवा छंद.

50-20-30 नियमांचे पालन केल्याने तुम्हाला एक संतुलित आर्थिक योजना तयार करण्यात मदत होऊ शकते जी तुम्हाला तुमच्या अत्यावश्यक गरजा पूर्ण करण्यास, भविष्यासाठी बचत करण्यास आणि जास्त खर्च न करता जीवन आनंददायक बनवणाऱ्या काही गोष्टींचा आनंद घेऊ देते. तथापि, हे लक्षात ठेवणे महत्त्वाचे आहे की ही फक्त एक मार्गदर्शक तत्त्वे आहे आणि तुम्ही ती तुमच्या स्वतःच्या अनन्य आर्थिक परिस्थिती आणि प्राधान्यक्रमांशी जुळण्यासाठी समायोजित केली पाहिजे.

बचत करण्यापेक्षा गुंतवणूक का बरी

गुंतवणुकीमुळे अनेक फायदे मिळतात जे पारंपारिक बचत खात्यांमध्ये नसतात, ज्यामुळे तो वैयक्तिक वित्ताचा एक महत्त्वाचा पैलू बनतो. गुंतवणुकीचा एक मोठा फायदा म्हणजे बचत खात्यांपेक्षा जास्त परतावा मिळण्याची शक्यता आहे कारण स्टॉक, म्युच्युअल फंड आणिरिअल इस्टेट कालांतराने मूल्य वाढू शकते. या मालमत्तेत गुंतवणूक करून, व्यक्ती बचत खात्यांद्वारे ऑफर केलेल्या व्याजदरांपेक्षा जास्त परतावा मिळवू शकतात. गुंतवणुकीचा आणखी एक फायदा म्हणजे संपत्ती वाढवण्याची क्षमताकंपाउंडिंग, जिथे परतावा अधिक परतावा निर्माण करण्यासाठी पुन्हा गुंतवला जातो.

हे व्यक्तींना त्यांचे दीर्घकालीन साध्य करण्यात मदत करतेआर्थिक उद्दिष्टे, जसे निवृत्तीसाठी बचत करणे किंवा घर खरेदी करणे. याव्यतिरिक्त, गुंतवणुकीमुळे वैविध्यता येते, जी विविध क्षेत्रांमध्ये आणि उद्योगांमध्ये गुंतवणुकीचा प्रसार करून जोखीम कमी करण्यास मदत करू शकते. एकूणच, समजून घेऊनगुंतवणुकीचे फायदे आणि माहितीपूर्ण गुंतवणुकीचे निर्णय घेऊन व्यक्ती त्यांचे आर्थिक उद्दिष्ट साध्य करू शकतात आणि त्यांचे आर्थिक भविष्य सुरक्षित करू शकतात.

2023 मध्ये गुंतवणूक करण्यासाठी सर्वोत्तम म्युच्युअल फंड

म्युच्युअल फंडात गुंतवणूक कालांतराने तुमचे पैसे वाढवण्याचा हा एक उत्तम मार्ग आहे. जसजसे बाजार वाढतात आणि घसरतात तसतसे, म्युच्युअल फंडासारख्या गुंतवणुकीचा समावेश असलेल्या वैविध्यपूर्ण पोर्टफोलिओमुळे बाजारातील मंदीच्या काळात तुम्हाला होणारे नुकसान कमी होण्यास मदत होते. 2023 साठी खालील काही टॉप-रेट केलेले म्युच्युअल फंड आहेत ज्यांचा तुम्ही गुंतवणूक करण्यासाठी विचार केला पाहिजे:

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
ICICI Prudential Infrastructure Fund Growth	₹179.84 ↑ 1.67	₹7,214	100	-0.1	-8.3	6.6	27.4	37.4	27.4
IDFC Infrastructure Fund Growth	₹47.008 ↑ 0.57	₹1,563	100	-4.7	-13.8	4.3	24.7	35	39.3
Nippon India Power and Infra Fund Growth	₹322.789 ↑ 3.27	₹6,849	100	-3.3	-12	2.6	27.2	35	26.9
L&T Emerging Businesses Fund Growth	₹73.438 ↑ 0.18	₹13,334	500	-11.3	-18.5	1.6	16.5	34.3	28.5
HDFC Infrastructure Fund Growth	₹44.53 ↑ 0.41	₹2,329	300	-0.2	-8	5	28.1	33.8	23
Franklin Build India Fund Growth	₹131.372 ↑ 1.75	₹2,642	500	-1.4	-9	5.9	26.7	33.7	27.8
DSP BlackRock India T.I.G.E.R Fund Growth	₹288.087 ↑ 1.47	₹4,880	500	-5.1	-15.9	3.6	24.6	33.6	32.4
Franklin India Smaller Companies Fund Growth	₹156.926 ↑ 0.82	₹11,970	500	-6.8	-14.5	1.4	19.8	33.4	23.2
Kotak Small Cap Fund Growth	₹238.141 ↑ 1.51	₹15,706	1,000	-8.3	-16.7	5.3	12.4	33.1	25.5
IDFC Sterling Value Fund Growth	₹139.892 ↑ 1.69	₹9,430	100	-0.6	-8.6	5.2	15.1	32.9	18
Edelweiss Mid Cap Fund Growth	₹91.107 ↑ 0.62	₹8,634	500	-4.6	-9.5	15.6	21.5	32.8	38.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Apr 25

*यादीसर्वोत्तम म्युच्युअल फंड SIPच्या निव्वळ मालमत्ता/ AUM पेक्षा जास्त आहे200 कोटी म्युच्युअल फंडाच्या इक्विटी श्रेणीमध्ये 5 वर्षांच्या कॅलेंडर वर्षाच्या परताव्याच्या आधारे ऑर्डर केले जाते.

1. ICICI Prudential Infrastructure Fund

To generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure development and balance in debt securities and money market instruments.

ICICI Prudential Infrastructure Fund is a Equity - Sectoral fund was launched on 31 Aug 05. It is a fund with High risk and has given a CAGR/Annualized return of 15.9% since its launch. Ranked 27 in Sectoral category. Return for 2024 was 27.4% , 2023 was 44.6% and 2022 was 28.8% .

Below is the key information for ICICI Prudential Infrastructure Fund

ICICI Prudential Infrastructure Fund Growth
Launch Date	31 Aug 05
NAV (17 Apr 25)	₹179.84 ↑ 1.67 (0.94 %)
Net Assets (Cr)	₹7,214 on 31 Mar 25
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	2.22
Sharpe Ratio	0.14
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹18,670
31 Mar 22	₹25,304
31 Mar 23	₹30,899
31 Mar 24	₹50,465
31 Mar 25	₹54,540

ICICI Prudential Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹756,118.
Net Profit of ₹456,118 Invest Now

Returns for ICICI Prudential Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 25

Duration	Returns
1 Month	7.3%
3 Month	-0.1%
6 Month	-8.3%
1 Year	6.6%
3 Year	27.4%
5 Year	37.4%
10 Year
15 Year
Since launch	15.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	27.4%
2023	44.6%
2022	28.8%
2021	50.1%
2020	3.6%
2019	2.6%
2018	-14%
2017	40.8%
2016	2%
2015	-3.4%

Fund Manager information for ICICI Prudential Infrastructure Fund

Name	Since	Tenure
Ihab Dalwai	3 Jun 17	7.75 Yr.
Sharmila D’mello	30 Jun 22	2.67 Yr.

Data below for ICICI Prudential Infrastructure Fund as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Industrials	36.49%
Basic Materials	21.39%
Financial Services	16.91%
Utility	8.65%
Energy	7.09%
Communication Services	1.63%
Consumer Cyclical	0.89%
Real Estate	0.35%

Asset Allocation

Asset Class	Value
Cash	5.98%
Equity	93.39%
Debt	0.62%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 09 \| LT	9%	₹649 Cr	2,052,790 ↑ 126,940
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 May 24 \| ADANIPORTS	4%	₹288 Cr	2,695,324
Shree Cement Ltd (Basic Materials) Equity, Since 30 Apr 24 \| 500387	4%	₹268 Cr	98,408 ↓ -10,339
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 16 \| ICICIBANK	3%	₹240 Cr	1,990,000
NTPC Ltd (Utilities) Equity, Since 29 Feb 16 \| 532555	3%	₹226 Cr	7,260,775
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jan 22 \| HDFCBANK	3%	₹212 Cr	1,225,000
NCC Ltd (Industrials) Equity, Since 31 Aug 21 \| NCC	3%	₹210 Cr	12,006,117 ↑ 1,500,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 23 \| RELIANCE	3%	₹205 Cr	1,709,486 ↑ 100,000
Vedanta Ltd (Basic Materials) Equity, Since 31 Jul 24 \| 500295	3%	₹194 Cr	4,923,662 ↑ 100,000
Cummins India Ltd (Industrials) Equity, Since 31 May 17 \| 500480	3%	₹173 Cr	635,000

2. IDFC Infrastructure Fund

The investment objective of the scheme is to seek to generate long-term capital growth through an active diversified portfolio of predominantly equity and equity related instruments of companies that are participating in and benefiting from growth in Indian infrastructure and infrastructural related activities. However, there can be no assurance that the investment objective of the scheme will be realized.

IDFC Infrastructure Fund is a Equity - Sectoral fund was launched on 8 Mar 11. It is a fund with High risk and has given a CAGR/Annualized return of 11.6% since its launch. Ranked 1 in Sectoral category. Return for 2024 was 39.3% , 2023 was 50.3% and 2022 was 1.7% .

Below is the key information for IDFC Infrastructure Fund

IDFC Infrastructure Fund Growth
Launch Date	8 Mar 11
NAV (17 Apr 25)	₹47.008 ↑ 0.57 (1.23 %)
Net Assets (Cr)	₹1,563 on 31 Mar 25
Category	Equity - Sectoral
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	2.33
Sharpe Ratio	0.11
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹20,153
31 Mar 22	₹24,848
31 Mar 23	₹27,324
31 Mar 24	₹47,064
31 Mar 25	₹50,038

IDFC Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹721,906.
Net Profit of ₹421,906 Invest Now

Returns for IDFC Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 25

Duration	Returns
1 Month	10.1%
3 Month	-4.7%
6 Month	-13.8%
1 Year	4.3%
3 Year	24.7%
5 Year	35%
10 Year
15 Year
Since launch	11.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	39.3%
2023	50.3%
2022	1.7%
2021	64.8%
2020	6.3%
2019	-5.3%
2018	-25.9%
2017	58.7%
2016	10.7%
2015	-0.2%

Fund Manager information for IDFC Infrastructure Fund

Name	Since	Tenure
Vishal Biraia	24 Jan 24	1.1 Yr.
Ritika Behera	7 Oct 23	1.4 Yr.
Gaurav Satra	7 Jun 24	0.73 Yr.

Data below for IDFC Infrastructure Fund as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Industrials	54.7%
Utility	13.22%
Basic Materials	10.84%
Communication Services	4.49%
Energy	3.88%
Consumer Cyclical	3.46%
Financial Services	2.99%
Technology	2.07%
Health Care	1.9%

Asset Allocation

Asset Class	Value
Cash	2.43%
Equity	97.57%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Kirloskar Brothers Ltd (Industrials) Equity, Since 31 Dec 17 \| KIRLOSBROS	5%	₹71 Cr	443,385
Larsen & Toubro Ltd (Industrials) Equity, Since 29 Feb 12 \| LT	4%	₹58 Cr	183,173 ↑ 11,726
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 24 \| RELIANCE	4%	₹54 Cr	452,706
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 19 \| BHARTIARTL	4%	₹52 Cr	330,018 ↑ 40,855
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Mar 14 \| 532538	4%	₹51 Cr	50,452 ↑ 3,476
GPT Infraprojects Ltd (Industrials) Equity, Since 30 Nov 17 \| GPTINFRA	3%	₹45 Cr	4,797,143
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 Dec 23 \| ADANIPORTS	3%	₹39 Cr	365,137 ↓ -69,842
PTC India Financial Services Ltd (Financial Services) Equity, Since 31 Dec 23 \| PFS	3%	₹39 Cr	12,400,122
Bharat Electronics Ltd (Industrials) Equity, Since 31 Oct 19 \| BEL	3%	₹35 Cr	1,431,700
KEC International Ltd (Industrials) Equity, Since 30 Jun 24 \| 532714	3%	₹35 Cr	512,915

3. Nippon India Power and Infra Fund

(Erstwhile Reliance Diversified Power Sector Fund)

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

Nippon India Power and Infra Fund is a Equity - Sectoral fund was launched on 8 May 04. It is a fund with High risk and has given a CAGR/Annualized return of 18% since its launch. Ranked 13 in Sectoral category. Return for 2024 was 26.9% , 2023 was 58% and 2022 was 10.9% .

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

Nippon India Power and Infra Fund Growth
Launch Date	8 May 04
NAV (17 Apr 25)	₹322.789 ↑ 3.27 (1.02 %)
Net Assets (Cr)	₹6,849 on 31 Mar 25
Category	Equity - Sectoral
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	2.05
Sharpe Ratio	-0.05
Information Ratio	1.15
Alpha Ratio	2.34
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹18,563
31 Mar 22	₹23,186
31 Mar 23	₹26,891
31 Mar 24	₹47,550
31 Mar 25	₹48,861

Nippon India Power and Infra Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹721,906.
Net Profit of ₹421,906 Invest Now

Returns for Nippon India Power and Infra Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 25

Duration	Returns
1 Month	8.8%
3 Month	-3.3%
6 Month	-12%
1 Year	2.6%
3 Year	27.2%
5 Year	35%
10 Year
15 Year
Since launch	18%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	26.9%
2023	58%
2022	10.9%
2021	48.9%
2020	10.8%
2019	-2.9%
2018	-21.1%
2017	61.7%
2016	0.1%
2015	0.3%

Fund Manager information for Nippon India Power and Infra Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	6.77 Yr.
Rahul Modi	19 Aug 24	0.53 Yr.

Data below for Nippon India Power and Infra Fund as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Industrials	40.77%
Utility	19.49%
Energy	9.09%
Basic Materials	9.08%
Communication Services	8.44%
Real Estate	3.99%
Technology	2.14%
Health Care	2.08%
Consumer Cyclical	1.96%
Financial Services	1.78%

Asset Allocation

Asset Class	Value
Cash	1.18%
Equity	98.82%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 18 \| RELIANCE	8%	₹480 Cr	4,000,000 ↑ 250,000
NTPC Ltd (Utilities) Equity, Since 31 May 09 \| 532555	8%	₹480 Cr	15,400,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 07 \| LT	8%	₹472 Cr	1,492,001
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 18 \| BHARTIARTL	7%	₹408 Cr	2,600,000
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Oct 19 \| 532538	4%	₹243 Cr	240,038
Tata Power Co Ltd (Utilities) Equity, Since 30 Apr 23 \| 500400	4%	₹237 Cr	6,975,789 ↑ 500,000
Kaynes Technology India Ltd (Industrials) Equity, Since 30 Nov 22 \| KAYNES	3%	₹176 Cr	423,938
Siemens Ltd (Industrials) Equity, Since 31 May 21 \| 500550	3%	₹162 Cr	350,000
CG Power & Industrial Solutions Ltd (Industrials) Equity, Since 30 Sep 24 \| 500093	2%	₹151 Cr	2,632,923 ↑ 80,000
Carborundum Universal Ltd (Industrials) Equity, Since 30 Sep 23 \| CARBORUNIV	2%	₹150 Cr	1,800,000

4. L&T Emerging Businesses Fund

To generate long-term capital appreciation from a diversified portfolio of predominantly equity and equity related securities, including equity derivatives, in the Indian markets with key theme focus being emerging companies (small cap stocks). The Scheme could also additionally invest in Foreign Securities.

L&T Emerging Businesses Fund is a Equity - Small Cap fund was launched on 12 May 14. It is a fund with High risk and has given a CAGR/Annualized return of 20% since its launch. Ranked 2 in Small Cap category. Return for 2024 was 28.5% , 2023 was 46.1% and 2022 was 1% .

Below is the key information for L&T Emerging Businesses Fund

L&T Emerging Businesses Fund Growth
Launch Date	12 May 14
NAV (17 Apr 25)	₹73.438 ↑ 0.18 (0.25 %)
Net Assets (Cr)	₹13,334 on 28 Feb 25
Category	Equity - Small Cap
AMC	L&T Investment Management Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.73
Sharpe Ratio	-0.4
Information Ratio	-0.11
Alpha Ratio	1.44
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹20,010
31 Mar 22	₹29,870
31 Mar 23	₹31,289
31 Mar 24	₹46,026
31 Mar 25	₹48,026

L&T Emerging Businesses Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹705,310.
Net Profit of ₹405,310 Invest Now

Returns for L&T Emerging Businesses Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 25

Duration	Returns
1 Month	7.3%
3 Month	-11.3%
6 Month	-18.5%
1 Year	1.6%
3 Year	16.5%
5 Year	34.3%
10 Year
15 Year
Since launch	20%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	28.5%
2023	46.1%
2022	1%
2021	77.4%
2020	15.5%
2019	-8.1%
2018	-13.7%
2017	66.5%
2016	10.2%
2015	12.3%

Fund Manager information for L&T Emerging Businesses Fund

Name	Since	Tenure
Venugopal Manghat	17 Dec 19	5.21 Yr.
Cheenu Gupta	1 Oct 23	1.42 Yr.
Sonal Gupta	1 Oct 23	1.42 Yr.

Data below for L&T Emerging Businesses Fund as on 28 Feb 25

Equity Sector Allocation

Sector	Value
Industrials	24.78%
Consumer Cyclical	15.58%
Financial Services	14.01%
Basic Materials	10.75%
Technology	9.78%
Health Care	5.55%
Real Estate	4.98%
Consumer Defensive	4.06%
Energy	1.26%

Asset Allocation

Asset Class	Value
Cash	6.91%
Equity	93.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Neuland Laboratories Limited Equity, Since 31 Jan 24 \| -	2%	₹310 Cr	292,479 ↓ -6,521
Aditya Birla Real Estate Ltd (Basic Materials) Equity, Since 30 Sep 22 \| 500040	2%	₹297 Cr	1,595,574
Suven Pharmaceuticals Ltd (Healthcare) Equity, Since 31 Mar 20 \| SUVENPHAR	2%	₹279 Cr	2,298,085
K.P.R. Mill Ltd (Consumer Cyclical) Equity, Since 28 Feb 15 \| KPRMILL	2%	₹263 Cr	3,286,897
BSE Ltd (Financial Services) Equity, Since 29 Feb 24 \| BSE	2%	₹257 Cr	555,021 ↓ -297,579
Time Technoplast Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| TIMETECHNO	2%	₹243 Cr	6,810,500
Karur Vysya Bank Ltd (Financial Services) Equity, Since 31 Oct 22 \| 590003	2%	₹240 Cr	11,912,400
Brigade Enterprises Ltd (Real Estate) Equity, Since 31 Jul 19 \| 532929	2%	₹237 Cr	2,499,622
The Federal Bank Ltd (Financial Services) Equity, Since 30 Sep 22 \| FEDERALBNK	2%	₹236 Cr	13,286,579
Sumitomo Chemical India Ltd Ordinary Shares (Basic Materials) Equity, Since 31 Oct 20 \| SUMICHEM	2%	₹215 Cr	4,672,221

5. HDFC Infrastructure Fund

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

HDFC Infrastructure Fund is a Equity - Sectoral fund was launched on 10 Mar 08. It is a fund with High risk and has given a CAGR/Annualized return of since its launch. Ranked 26 in Sectoral category. Return for 2024 was 23% , 2023 was 55.4% and 2022 was 19.3% .

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund Growth
Launch Date	10 Mar 08
NAV (17 Apr 25)	₹44.53 ↑ 0.41 (0.92 %)
Net Assets (Cr)	₹2,329 on 31 Mar 25
Category	Equity - Sectoral
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	2.31
Sharpe Ratio	-0.01
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹17,356
31 Mar 22	₹21,727
31 Mar 23	₹25,279
31 Mar 24	₹45,346
31 Mar 25	₹47,548

HDFC Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹689,048.
Net Profit of ₹389,048 Invest Now

Returns for HDFC Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 25

Duration	Returns
1 Month	9.7%
3 Month	-0.2%
6 Month	-8%
1 Year	5%
3 Year	28.1%
5 Year	33.8%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23%
2023	55.4%
2022	19.3%
2021	43.2%
2020	-7.5%
2019	-3.4%
2018	-29%
2017	43.3%
2016	-1.9%
2015	-2.5%

Fund Manager information for HDFC Infrastructure Fund

Name	Since	Tenure
Srinivasan Ramamurthy	12 Jan 24	1.13 Yr.
Dhruv Muchhal	22 Jun 23	1.69 Yr.

Data below for HDFC Infrastructure Fund as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Industrials	38.42%
Financial Services	20.62%
Basic Materials	10.93%
Utility	7.4%
Energy	6.96%
Communication Services	3.76%
Health Care	1.73%
Technology	0.98%
Real Estate	0.94%
Consumer Cyclical	0.58%

Asset Allocation

Asset Class	Value
Cash	6.48%
Equity	92.31%
Debt	1.21%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	7%	₹157 Cr	1,300,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Aug 23 \| HDFCBANK	6%	₹121 Cr	700,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 12 \| LT	6%	₹120 Cr	380,000 ↑ 30,000
J Kumar Infraprojects Ltd (Industrials) Equity, Since 31 Oct 15 \| JKIL	5%	₹98 Cr	1,450,000 ↓ -50,000
NTPC Ltd (Utilities) Equity, Since 31 Dec 17 \| 532555	3%	₹69 Cr	2,200,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Dec 21 \| INDIGO	3%	₹67 Cr	150,000
Kalpataru Projects International Ltd (Industrials) Equity, Since 31 Jan 23 \| KPIL	3%	₹67 Cr	758,285
Coal India Ltd (Energy) Equity, Since 31 Oct 18 \| COALINDIA	3%	₹63 Cr	1,700,000
Reliance Industries Ltd (Energy) Equity, Since 31 May 24 \| RELIANCE	3%	₹60 Cr	500,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 20 \| BHARTIARTL	3%	₹55 Cr	350,000 ↓ -50,000

6. Franklin Build India Fund

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

Franklin Build India Fund is a Equity - Sectoral fund was launched on 4 Sep 09. It is a fund with High risk and has given a CAGR/Annualized return of 17.9% since its launch. Ranked 4 in Sectoral category. Return for 2024 was 27.8% , 2023 was 51.1% and 2022 was 11.2% .

Below is the key information for Franklin Build India Fund

Franklin Build India Fund Growth
Launch Date	4 Sep 09
NAV (17 Apr 25)	₹131.372 ↑ 1.75 (1.35 %)
Net Assets (Cr)	₹2,642 on 31 Mar 25
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	2.13
Sharpe Ratio	0.09
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹18,042
31 Mar 22	₹22,684
31 Mar 23	₹25,531
31 Mar 24	₹43,699
31 Mar 25	₹46,685

Franklin Build India Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹689,048.
Net Profit of ₹389,048 Invest Now

Returns for Franklin Build India Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 25

Duration	Returns
1 Month	8%
3 Month	-1.4%
6 Month	-9%
1 Year	5.9%
3 Year	26.7%
5 Year	33.7%
10 Year
15 Year
Since launch	17.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	27.8%
2023	51.1%
2022	11.2%
2021	45.9%
2020	5.4%
2019	6%
2018	-10.7%
2017	43.3%
2016	8.4%
2015	2.1%

Fund Manager information for Franklin Build India Fund

Name	Since	Tenure
Ajay Argal	18 Oct 21	3.37 Yr.
Kiran Sebastian	7 Feb 22	3.06 Yr.
Sandeep Manam	18 Oct 21	3.37 Yr.

Data below for Franklin Build India Fund as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Industrials	35.61%
Utility	12.65%
Financial Services	11.45%
Energy	11.44%
Communication Services	8.02%
Basic Materials	7.35%
Real Estate	3.12%
Consumer Cyclical	2.86%
Technology	1.72%

Asset Allocation

Asset Class	Value
Cash	5.78%
Equity	94.22%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 29 Feb 20 \| LT	9%	₹228 Cr	720,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 12 \| ICICIBANK	6%	₹144 Cr	1,200,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 29 Feb 20 \| INDIGO	6%	₹134 Cr	300,000
NTPC Ltd (Utilities) Equity, Since 30 Nov 16 \| 532555	5%	₹128 Cr	4,125,000 ↑ 195,000
Reliance Industries Ltd (Energy) Equity, Since 31 Oct 21 \| RELIANCE	5%	₹126 Cr	1,050,000
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 30 Jun 19 \| 500312	5%	₹113 Cr	5,000,000 ↑ 500,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 09 \| BHARTIARTL	5%	₹111 Cr	710,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 12 \| 532215	4%	₹91 Cr	900,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 28 Feb 21 \| 532898	4%	₹84 Cr	3,365,000
Tata Power Co Ltd (Utilities) Equity, Since 31 Jan 25 \| 500400	3%	₹68 Cr	2,000,000 ↑ 545,843

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

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

DSP BlackRock India T.I.G.E.R Fund is a Equity - Sectoral fund was launched on 11 Jun 04. It is a fund with High risk and has given a CAGR/Annualized return of 17.5% since its launch. Ranked 12 in Sectoral category. Return for 2024 was 32.4% , 2023 was 49% and 2022 was 13.9% .

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

DSP BlackRock India T.I.G.E.R Fund Growth
Launch Date	11 Jun 04
NAV (17 Apr 25)	₹288.087 ↑ 1.47 (0.51 %)
Net Assets (Cr)	₹4,880 on 31 Mar 25
Category	Equity - Sectoral
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	2.24
Sharpe Ratio	0.14
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹18,218
31 Mar 22	₹23,467
31 Mar 23	₹26,460
31 Mar 24	₹43,618
31 Mar 25	₹46,898

DSP BlackRock India T.I.G.E.R Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹689,048.
Net Profit of ₹389,048 Invest Now

Returns for DSP BlackRock India T.I.G.E.R Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 25

Duration	Returns
1 Month	7.8%
3 Month	-5.1%
6 Month	-15.9%
1 Year	3.6%
3 Year	24.6%
5 Year	33.6%
10 Year
15 Year
Since launch	17.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	32.4%
2023	49%
2022	13.9%
2021	51.6%
2020	2.7%
2019	6.7%
2018	-17.2%
2017	47%
2016	4.1%
2015	0.7%

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

Name	Since	Tenure
Rohit Singhania	21 Jun 10	14.7 Yr.

Data below for DSP BlackRock India T.I.G.E.R Fund as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Industrials	31%
Basic Materials	14.85%
Consumer Cyclical	7.91%
Utility	6.95%
Energy	5.73%
Financial Services	5.59%
Communication Services	3.89%
Health Care	3.66%
Technology	2.56%
Real Estate	1.49%
Consumer Defensive	1.45%

Asset Allocation

Asset Class	Value
Cash	14.93%
Equity	85.07%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
NTPC Ltd (Utilities) Equity, Since 30 Nov 17 \| 532555	5%	₹223 Cr	7,145,883
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 04 \| LT	4%	₹177 Cr	559,286 ↓ -32,099
Siemens Ltd (Industrials) Equity, Since 30 Nov 18 \| 500550	4%	₹171 Cr	369,482
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 18 \| BHARTIARTL	4%	₹170 Cr	1,080,606
Coal India Ltd (Energy) Equity, Since 31 Dec 23 \| COALINDIA	3%	₹123 Cr	3,321,453
Kalpataru Projects International Ltd (Industrials) Equity, Since 31 Jan 22 \| KPIL	2%	₹92 Cr	1,045,339 ↓ -114,092
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 31 Dec 24 \| APOLLOHOSP	2%	₹91 Cr	150,959 ↑ 19,956
INOX India Ltd (Industrials) Equity, Since 31 Dec 23 \| INOXINDIA	2%	₹90 Cr	940,841
Kirloskar Oil Engines Ltd (Industrials) Equity, Since 31 Mar 23 \| KIRLOSENG	2%	₹87 Cr	1,502,475
Welspun Corp Ltd (Basic Materials) Equity, Since 30 Nov 23 \| 532144	2%	₹83 Cr	1,129,878 ↓ -193,415

8. Franklin India Smaller Companies Fund

The Fund seeks to provide long-term capital appreciation by investing in mid and small cap companies.

Franklin India Smaller Companies Fund is a Equity - Small Cap fund was launched on 13 Jan 06. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 15.4% since its launch. Ranked 11 in Small Cap category. Return for 2024 was 23.2% , 2023 was 52.1% and 2022 was 3.6% .

Below is the key information for Franklin India Smaller Companies Fund

Franklin India Smaller Companies Fund Growth
Launch Date	13 Jan 06
NAV (17 Apr 25)	₹156.926 ↑ 0.82 (0.53 %)
Net Assets (Cr)	₹11,970 on 31 Mar 25
Category	Equity - Small Cap
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.78
Sharpe Ratio	-0.06
Information Ratio	0.27
Alpha Ratio	-3.3
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹19,999
31 Mar 22	₹26,272
31 Mar 23	₹28,549
31 Mar 24	₹43,647
31 Mar 25	₹44,921

Franklin India Smaller Companies Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹689,048.
Net Profit of ₹389,048 Invest Now

Returns for Franklin India Smaller Companies Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 25

Duration	Returns
1 Month	8.8%
3 Month	-6.8%
6 Month	-14.5%
1 Year	1.4%
3 Year	19.8%
5 Year	33.4%
10 Year
15 Year
Since launch	15.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23.2%
2023	52.1%
2022	3.6%
2021	56.4%
2020	18.7%
2019	-5%
2018	-17.4%
2017	43.5%
2016	10.2%
2015	9.6%

Fund Manager information for Franklin India Smaller Companies Fund

Name	Since	Tenure
R. Janakiraman	1 Feb 11	14.09 Yr.
Sandeep Manam	18 Oct 21	3.37 Yr.
Akhil Kalluri	8 Sep 22	2.48 Yr.

Data below for Franklin India Smaller Companies Fund as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Financial Services	19.73%
Industrials	19.62%
Consumer Cyclical	14.7%
Health Care	10.79%
Basic Materials	10.23%
Technology	4.9%
Real Estate	4.7%
Consumer Defensive	3.61%
Utility	2.57%
Energy	0.9%
Communication Services	0.05%

Asset Allocation

Asset Class	Value
Cash	6.86%
Equity	92.96%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Brigade Enterprises Ltd (Real Estate) Equity, Since 30 Jun 14 \| 532929	3%	₹366 Cr	3,868,691
Aster DM Healthcare Ltd Ordinary Shares (Healthcare) Equity, Since 31 Jul 23 \| ASTERDM	3%	₹323 Cr	8,018,630
Karur Vysya Bank Ltd (Financial Services) Equity, Since 31 Oct 12 \| 590003	3%	₹282 Cr	13,998,917 ↓ -156,763
Equitas Small Finance Bank Ltd Ordinary Shares (Financial Services) Equity, Since 31 Oct 20 \| EQUITASBNK	2%	₹273 Cr	48,064,081
Deepak Nitrite Ltd (Basic Materials) Equity, Since 31 Jan 16 \| DEEPAKNTR	2%	₹257 Cr	1,387,967
J.B. Chemicals & Pharmaceuticals Ltd (Healthcare) Equity, Since 30 Jun 14 \| JBCHEPHARM	2%	₹238 Cr	1,448,723
Kalyan Jewellers India Ltd (Consumer Cyclical) Equity, Since 31 May 22 \| KALYANKJIL	2%	₹229 Cr	4,963,469
Zensar Technologies Ltd (Technology) Equity, Since 28 Feb 23 \| ZENSARTECH	2%	₹226 Cr	3,062,700 ↓ -200,000
Crompton Greaves Consumer Electricals Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| CROMPTON	2%	₹222 Cr	6,900,000
Eris Lifesciences Ltd Registered Shs (Healthcare) Equity, Since 30 Sep 19 \| ERIS	2%	₹221 Cr	1,866,828

9. Kotak Small Cap Fund

(Erstwhile Kotak Midcap Scheme)

The investment objective of the Scheme is to generate capital appreciation from a diversified portfolio of equity and equity related securities.

Kotak Small Cap Fund is a Equity - Small Cap fund was launched on 24 Feb 05. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 17% since its launch. Ranked 23 in Small Cap category. Return for 2024 was 25.5% , 2023 was 34.8% and 2022 was -3.1% .

Below is the key information for Kotak Small Cap Fund

Kotak Small Cap Fund Growth
Launch Date	24 Feb 05
NAV (17 Apr 25)	₹238.141 ↑ 1.51 (0.64 %)
Net Assets (Cr)	₹15,706 on 31 Mar 25
Category	Equity - Small Cap
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.67
Sharpe Ratio	0.18
Information Ratio	-0.64
Alpha Ratio	2.33
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹22,777
31 Mar 22	₹31,078
31 Mar 23	₹29,901
31 Mar 24	₹41,373
31 Mar 25	₹44,967

Kotak Small Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹689,048.
Net Profit of ₹389,048 Invest Now

Returns for Kotak Small Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 25

Duration	Returns
1 Month	6.8%
3 Month	-8.3%
6 Month	-16.7%
1 Year	5.3%
3 Year	12.4%
5 Year	33.1%
10 Year
15 Year
Since launch	17%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	25.5%
2023	34.8%
2022	-3.1%
2021	70.9%
2020	34.2%
2019	5%
2018	-17.3%
2017	44%
2016	8.9%
2015	7.4%

Fund Manager information for Kotak Small Cap Fund

Name	Since	Tenure
Harish Bihani	20 Oct 23	1.36 Yr.

Data below for Kotak Small Cap Fund as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Industrials	30.46%
Consumer Cyclical	21.56%
Health Care	19.17%
Basic Materials	14.29%
Real Estate	4.3%
Financial Services	3.6%
Consumer Defensive	2.73%
Communication Services	2.24%
Technology	0.16%

Asset Allocation

Asset Class	Value
Cash	1.51%
Equity	98.49%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Blue Star Ltd (Industrials) Equity, Since 31 May 18 \| BLUESTARCO	3%	₹483 Cr	2,518,929
Century Plyboards (India) Ltd (Basic Materials) Equity, Since 31 Oct 18 \| 532548	3%	₹475 Cr	6,590,679 ↑ 21,212
Aster DM Healthcare Ltd Ordinary Shares (Healthcare) Equity, Since 31 Jul 24 \| ASTERDM	3%	₹474 Cr	11,757,234 ↑ 1,712,815
Cyient Ltd (Industrials) Equity, Since 31 Dec 19 \| CYIENT	3%	₹453 Cr	3,574,852
Vijaya Diagnostic Centre Ltd (Healthcare) Equity, Since 31 Mar 24 \| 543350	3%	₹450 Cr	4,918,037
Krishna Institute of Medical Sciences Ltd (Healthcare) Equity, Since 31 Dec 23 \| 543308	3%	₹442 Cr	8,473,425 ↑ 376,495
Brigade Enterprises Ltd (Real Estate) Equity, Since 31 Aug 24 \| 532929	3%	₹386 Cr	4,078,404 ↑ 400,000
Techno Electric & Engineering Co Ltd (Industrials) Equity, Since 31 Dec 18 \| TECHNOE	2%	₹360 Cr	3,691,305 ↑ 100,000
Garware Technical Fibres Ltd (Consumer Cyclical) Equity, Since 30 Jun 21 \| GARFIBRES	2%	₹350 Cr	4,643,002 ↑ 7,370
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Jan 18 \| AMBER	2%	₹347 Cr	616,512

10. IDFC Sterling Value Fund

(Erstwhile IDFC Sterling Equity Fund)

To generate capital appreciation from a diversified portfolio of equity and equity related instruments.It will predominantly invest in small and midcap equity and equity related instruments. Small and Midcap equity & equity related instruments will be the stocks included in the Nifty Free Float Midcap 100 or equity and equity related instruments of such companies which have a market capitalization lower than the highest components of Nifty Free Float Midcap 100. It may also invest in stocks other than mid cap stocks (i.e. in stocks, which have a market capitalisation of above the market capitalisation range of the defined small - midcap stocks) & derivatives. On defensive consideration,It may also invest in debt and money market instruments. In case of discontinuation /suspension of Nifty Free Float Midcap 100, the AMC reserves the right tomodify the definition of Mid cap and Small cap companies. In case of such amodification, the interest of investors will be of paramount importance.

IDFC Sterling Value Fund is a Equity - Value fund was launched on 7 Mar 08. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 16.7% since its launch. Ranked 21 in Value category. Return for 2024 was 18% , 2023 was 32.6% and 2022 was 3.2% .

Below is the key information for IDFC Sterling Value Fund

IDFC Sterling Value Fund Growth
Launch Date	7 Mar 08
NAV (17 Apr 25)	₹139.892 ↑ 1.69 (1.22 %)
Net Assets (Cr)	₹9,430 on 31 Mar 25
Category	Equity - Value
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.81
Sharpe Ratio	-0.08
Information Ratio	0.56
Alpha Ratio	-1.51
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹21,593
31 Mar 22	₹29,489
31 Mar 23	₹30,476
31 Mar 24	₹44,072
31 Mar 25	₹46,095

IDFC Sterling Value Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹673,113.
Net Profit of ₹373,113 Invest Now

Returns for IDFC Sterling Value Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 25

Duration	Returns
1 Month	5.6%
3 Month	-0.6%
6 Month	-8.6%
1 Year	5.2%
3 Year	15.1%
5 Year	32.9%
10 Year
15 Year
Since launch	16.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	18%
2023	32.6%
2022	3.2%
2021	64.5%
2020	15.2%
2019	-6.2%
2018	-13%
2017	61.3%
2016	1.1%
2015	-0.3%

Fund Manager information for IDFC Sterling Value Fund

Name	Since	Tenure
Daylynn Pinto	20 Oct 16	8.37 Yr.
Ritika Behera	7 Oct 23	1.4 Yr.
Gaurav Satra	7 Jun 24	0.73 Yr.

Data below for IDFC Sterling Value Fund as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Financial Services	30.38%
Consumer Cyclical	10.49%
Basic Materials	9.09%
Energy	8.05%
Technology	7.78%
Industrials	7.26%
Consumer Defensive	6.91%
Health Care	5.72%
Utility	2.53%
Real Estate	1.64%

Asset Allocation

Asset Class	Value
Cash	6%
Equity	94%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 22 \| HDFCBANK	8%	₹710 Cr	4,100,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 22 \| RELIANCE	7%	₹600 Cr	5,000,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 21 \| 532215	5%	₹457 Cr	4,500,000 ↑ 200,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	3%	₹301 Cr	2,500,000 ↓ -500,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Oct 21 \| TCS	3%	₹277 Cr	795,000
Infosys Ltd (Technology) Equity, Since 30 Sep 23 \| INFY	3%	₹253 Cr	1,500,000
Jindal Steel & Power Ltd (Basic Materials) Equity, Since 30 Apr 17 \| 532286	2%	₹214 Cr	2,500,000
IndusInd Bank Ltd (Financial Services) Equity, Since 30 Nov 22 \| INDUSINDBK	2%	₹198 Cr	2,000,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 25 \| KOTAKBANK	2%	₹190 Cr	1,000,000 ↑ 500,000
Nifty March 2025 Future - \| -	2%	₹184 Cr	82,500 ↑ 82,500

11. Edelweiss Mid Cap Fund

(Erstwhile Edelweiss Mid and Small Cap Fund )

The investment objective is to seek to generate long-term capital appreciation from a portfolio that predominantly invests in equity and equity-related securities of Mid Cap companies. However, there can be no assurance that the investment objective of the Scheme will be realised.

Edelweiss Mid Cap Fund is a Equity - Mid Cap fund was launched on 26 Dec 07. It is a fund with High risk and has given a CAGR/Annualized return of 13.6% since its launch. Ranked 22 in Mid Cap category. Return for 2024 was 38.9% , 2023 was 38.4% and 2022 was 2.4% .

Below is the key information for Edelweiss Mid Cap Fund

Edelweiss Mid Cap Fund Growth
Launch Date	26 Dec 07
NAV (17 Apr 25)	₹91.107 ↑ 0.62 (0.69 %)
Net Assets (Cr)	₹8,634 on 31 Mar 25
Category	Equity - Mid Cap
AMC	Edelweiss Asset Management Limited
Rating	☆☆☆
Risk	High
Expense Ratio	1.86
Sharpe Ratio	0.54
Information Ratio	0.32
Alpha Ratio	8.58
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹19,609
31 Mar 22	₹24,640
31 Mar 23	₹25,335
31 Mar 24	₹37,999
31 Mar 25	₹44,681

Edelweiss Mid Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹673,113.
Net Profit of ₹373,113 Invest Now

Returns for Edelweiss Mid Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 25

Duration	Returns
1 Month	7.8%
3 Month	-4.6%
6 Month	-9.5%
1 Year	15.6%
3 Year	21.5%
5 Year	32.8%
10 Year
15 Year
Since launch	13.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	38.9%
2023	38.4%
2022	2.4%
2021	50.3%
2020	26.4%
2019	5.2%
2018	-15.7%
2017	52.3%
2016	2.5%
2015	9.4%

Fund Manager information for Edelweiss Mid Cap Fund

Name	Since	Tenure
Dhruv Bhatia	14 Oct 24	0.38 Yr.
Trideep Bhattacharya	1 Oct 21	3.42 Yr.
Raj Koradia	1 Aug 24	0.58 Yr.

Data below for Edelweiss Mid Cap Fund as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Financial Services	21.93%
Consumer Cyclical	18.94%
Industrials	12.45%
Health Care	11.14%
Technology	10.95%
Basic Materials	8.55%
Consumer Defensive	5.48%
Real Estate	3.5%
Communication Services	1.87%
Utility	0.96%
Energy	0.89%

Asset Allocation

Asset Class	Value
Cash	3.35%
Equity	96.65%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Indian Hotels Co Ltd (Consumer Cyclical) Equity, Since 30 Sep 23 \| 500850	4%	₹286 Cr	3,996,756 ↑ 811,458
Dixon Technologies (India) Ltd (Technology) Equity, Since 31 Jan 20 \| DIXON	4%	₹272 Cr	195,109 ↓ -19,441
Persistent Systems Ltd (Technology) Equity, Since 31 Mar 21 \| PERSISTENT	3%	₹262 Cr	494,246 ↑ 25,367
Max Healthcare Institute Ltd Ordinary Shares (Healthcare) Equity, Since 31 Jul 21 \| MAXHEALTH	3%	₹254 Cr	2,594,164 ↑ 133,144
Marico Ltd (Consumer Defensive) Equity, Since 31 Oct 24 \| 531642	3%	₹235 Cr	3,906,706 ↑ 587,858
Coforge Ltd (Technology) Equity, Since 30 Jun 23 \| COFORGE	3%	₹208 Cr	282,252 ↑ 15,099
PB Fintech Ltd (Financial Services) Equity, Since 29 Feb 24 \| 543390	2%	₹190 Cr	1,301,403 ↑ 69,623
Solar Industries India Ltd (Basic Materials) Equity, Since 30 Sep 12 \| SOLARINDS	2%	₹168 Cr	193,121 ↑ 442
Lupin Ltd (Healthcare) Equity, Since 31 Jul 24 \| 500257	2%	₹166 Cr	872,147 ↓ -268,196
The Federal Bank Ltd (Financial Services) Equity, Since 31 Dec 18 \| FEDERALBNK	2%	₹165 Cr	9,288,470 ↑ 496,923

निष्कर्ष

गुंतवणुकीचे निर्णय घेताना, तुमच्यासाठी उपलब्ध पर्यायांची ठोस माहिती असणे महत्त्वाचे आहे. ईटीएफ आणि म्युच्युअल फंडांमध्ये गुंतवणूक केल्याने वैविध्यपूर्ण पोर्टफोलिओ मिळू शकतो, परंतु तुमच्या आर्थिक उद्दिष्टांचे मूल्यांकन करणे महत्त्वाचे आहे,धोका सहनशीलता, आणि गुंतवणुकीचे कोणतेही निर्णय घेण्यापूर्वी वेळ क्षितिज. योग्य मार्गदर्शन किंवा व्यावसायिक समर्थनाशिवाय, गुंतवणुकीच्या जटिल जगात नेव्हिगेट करणे आव्हानात्मक असू शकते.

Disclaimer:
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.