Table of Contents
म्युच्युअल फंड वि एफडी (फिक्स्ड डिपॉझिट)
म्युच्युअल फंड विएफडी? पैसे वाचवण्याचा विचार करताना, बहुतेक लोक प्रथम गोष्ट जी करण्याचा विचार करतातगुंतवणूक मुदत ठेवींमध्ये (FDs). हे सहसा समजण्यास सोपे असल्यामुळे आणि पिढ्यानपिढ्या केले जात आहे. पण ही सर्वात योग्य गुंतवणूक आहे का? आणि तो सर्वोत्तम परतावा देतो का? किंवा म्युच्युअल फंड गुंतवणुकीमुळे उद्देश अधिक चांगल्या प्रकारे पूर्ण होऊ शकतो? या प्रश्नांची उत्तरे जाणून घेण्यासाठी खाली वाचा!
एफडी किंवा मुदत ठेव
फिक्स्ड डिपॉझिट, ज्याला FD म्हणून देखील ओळखले जाते ही एक लोकप्रिय आहेबँक दीर्घकालीन आणि अल्पकालीन गुंतवणुकीसाठी योग्य गुंतवणूक पर्याय. FD परतावा निश्चित केला जातो कारण FD व्याज दर भारत सरकारने पूर्व-निर्धारित केला आहे. मुदत ठेवींवरील व्याजदर निश्चित केला जात आहे, त्याचा कोणताही परिणाम होत नाहीमहागाई या गुंतवणुकीवर.
तसेच, एफडी परतावा गुंतवणूकदारांच्या हातात करपात्र असतो. तथापि, एफडी गुंतवणूक अंतर्गत कर कपातीसाठी जबाबदार आहेतकलम 80C च्याआयकर कायदा.
म्युच्युअल फंड
म्युच्युअल फंड हे तीन प्रकारचे असतात, डेट, इक्विटी आणि बॅलन्स्डम्युच्युअल फंड.डेट म्युच्युअल फंड ते आहेत जे बहुतेक मालमत्ता सरकारमध्ये गुंतवतातबंध, कॉर्पोरेट बाँड्स आणि बाकीचे इक्विटी मार्केट्समध्ये. याउलट, इक्विटी म्युच्युअल फंड त्याच्या 65% पेक्षा जास्त मालमत्ता इक्विटी मार्केटमध्ये गुंतवतात आणि उर्वरित सरकारी बाँड्स, कॉर्पोरेट बाँड्स आणि सिक्युरिटीजमध्ये गुंतवतात. तर बॅलन्स्ड म्युच्युअल फंड असे आहेत जे अंशतः कर्जामध्ये आणि अंशतः गुंतवणूक करतातइक्विटी फंड. म्युच्युअल फंड हे चलनवाढ रोखण्याचे साधन आहे, त्यामुळे ते अधिक करक्षम आहे आणि दीर्घकालीन गुंतवणुकीवर चांगले परतावा देण्याची अपेक्षा आहे.
दीर्घकालीन गुंतवणूक कोणती चांगली आहे?
आता आपल्याला माहित आहे की म्युच्युअल फंड आणि मुदत ठेवी (एफडी) दोन्ही आहेतकर बचत गुंतवणूक, उद्भवणारा प्रश्न असा आहे - कोठे गुंतवणूक करावी? जरी हा एक व्यक्तिपरक प्रश्न आहे आणि त्याचे उत्तर व्यक्तीपरत्वे बदलू शकते, खाली विविध पॅरामीटर्सवर आधारित तुलना नमूद केली आहे जी तुम्हाला अधिक चांगली निवड करण्यात मदत करू शकते.
1. म्युच्युअल फंड परतावा आणि एफडी परतावा
मुदत ठेवीवरील परतावा पूर्व-निर्दिष्ट असतो आणि संपूर्ण कार्यकाळात बदलत नाही. म्युच्युअल फंड, आर्थिकशी जोडलेले असतानाबाजार, दीर्घकालीन गुंतवणुकीवर चांगला परतावा देतात.
2. FD व्याज दर आणि म्युच्युअल फंड परतावा
FD वरील व्याज दर FD च्या प्रकारावर किंवा FD च्या कालावधीनुसार निश्चित केले जातात, त्यामुळे कोणीही मुदत ठेवींवर जास्त व्याजदराची अपेक्षा करू शकत नाही. दुसरीकडे, म्युच्युअल फंडांवरील परतावा बदलतो कारण विविध प्रकारचे फंड अस्थिर परतावा देतात. जर बाजार उंचावर गेला तर परतावा वाढतो आणि उलट.
3. जोखीम घटक
मुदत ठेवींना कोणताही धोका नसतो कारण परतावा पूर्वनिर्धारित असतो. तसेच, बँकेचा भंडाफोड झाल्यास सर्व बँक खात्यांचा INR 1 लाखांपर्यंत विमा उतरवला जातो. दुसरीकडे, म्युच्युअल फंड त्यांच्या मालमत्तेची आर्थिक बाजारपेठेत गुंतवणूक करत असल्याने त्यांना जास्त जोखीम असते. इक्विटी म्युच्युअल फंड, ज्याची बहुतेक मालमत्ता इक्विटी मार्केटमध्ये गुंतवलेली असते, त्यात जास्त जोखीम असते. डेट म्युच्युअल फंडात गुंतवणूक करणे कमी जोखमीचे असते, कारण या फंडाचा फार कमी भाग शेअर बाजारात गुंतवला जातो.
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4. महागाईचा प्रभाव
व्याजदर पूर्वनिर्धारित असल्याने मुदत ठेवींवर महागाईचा कोणताही परिणाम होत नाही. तर, म्युच्युअल फंडांसाठी, परतावा महागाई-समायोजित असतो ज्यामुळे चांगले परतावा मिळविण्याची क्षमता वाढते.
5. भांडवली नफा
नाही आहेतभांडवल एफडीच्या बाबतीत लाभ संभवतो. म्युच्युअल फंडांसाठी,भांडवली नफा होल्डिंग कालावधीवर अवलंबून आहे. वेगवेगळे म्युच्युअल फंड वेगवेगळे भांडवली नफा देतात.
6. तरलता
मुदत ठेवी आहेतइलिक्विड, गुंतवलेली रक्कम ठराविक वेळेसाठी लॉक केलेली असते. त्या कालावधीपूर्वी पैसे काढल्यास, विशिष्ट दंड वजा केला जातो. म्युच्युअल फंड तरल असतात कारण ते फारसे काही न करता कमी कालावधीत विकले जाऊ शकतातघसारा निधी मूल्य मध्ये. तथापि, काही म्युच्युअल फंडांच्या विक्रीवर लागू होणारे एक्झिट लोड तपासणे महत्त्वाचे आहे.
7. कर आकारणी
मुदत ठेवीवरील व्याजावर व्यक्तीच्या कर स्लॅबनुसार कर आकारला जातो. दुसरीकडे,म्युच्युअल फंड कर आकारणी मुख्यतः होल्डिंग कालावधीवर अवलंबून असते. शॉर्ट टर्म कॅपिटल गेन (STCG) आणि लाँग टर्म कॅपिटल गेन्स (LTCG) या दोन्हींवर वेगळ्या पद्धतीने कर आकारला जातो.
8. कर बचत FD च्या V/S इक्विटी लिंक्ड सेव्हिंग स्कीम्स (ELSS)
आयटी कायद्याच्या कलम 80c अंतर्गत कर बचतीच्या उद्देशाने एफडीचा विचार करणाऱ्या गुंतवणूकदारांसाठी. (५ वर्ष लॉकिन)ELSS म्युच्युअल फंड हे चांगले पर्याय आहेत कारण ते 3 वर्षांचे लॉक इन आहेत आणि ऐतिहासिकदृष्ट्या चांगले परतावा देऊ करतात.
चांगली गुंतवणूक योजना कोणती आहे?
चला थोडक्यात पाहू:
| पॅरामीटर | म्युच्युअल फंड | मुदत ठेव |
|---|---|---|
| परताव्याचा दर | खात्रीशीर परतावे नाहीत | निश्चित परतावा |
| चलनवाढ समायोजित परतावा | उच्च चलनवाढ समायोजित परताव्यासाठी संभाव्य | सहसा कमी चलनवाढ समायोजित परतावा |
| धोका | मध्यम ते उच्च धोका | कमी धोका |
| तरलता | द्रव | द्रव |
| मुदतपूर्व पैसे काढणे | एक्झिट लोड/नो लोडसह परवानगी आहे | दंडासह परवानगी |
| गुंतवणुकीची किंमत | व्यवस्थापन खर्च/खर्चाचे प्रमाण | कोणतीही किंमत नाही |
| कर स्थिती | अनुकूल कर स्थिती | टॅक्स स्लॅब नुसार |
2022 मध्ये गुंतवणूक करण्यासाठी सर्वोत्तम म्युच्युअल फंड
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2023 (%) Nippon India Small Cap Fund Growth ₹176.687
↑ 2.32 ₹62,260 -1.9 14.5 46 29.9 35.7 48.9 Motilal Oswal Midcap 30 Fund Growth ₹102.968
↓ -0.82 ₹18,604 2.6 24.2 66.1 33.6 31.3 41.7 Kotak Small Cap Fund Growth ₹276.704
↑ 2.74 ₹18,287 -0.2 18.8 43.9 19.6 31.1 34.8 ICICI Prudential Infrastructure Fund Growth ₹191.55
↑ 1.53 ₹6,424 -3.4 9.6 56.2 33.2 30.9 44.6 L&T Emerging Businesses Fund Growth ₹87.1272
↑ 1.52 ₹17,306 -0.4 14.7 42.6 26.5 30.5 46.1 DSP BlackRock Small Cap Fund Growth ₹196.999
↑ 3.20 ₹16,705 0.8 16.2 39.7 22.9 30.4 41.2 Invesco India Infrastructure Fund Growth ₹64.37
↑ 0.57 ₹1,666 -6.5 10.4 60.4 27.5 30 51.1 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Oct 24
*खाली ७ ची यादी आहेसर्वोत्तम म्युच्युअल फंड पेक्षा जास्त निव्वळ मालमत्ता/एयूएम असणे The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related instruments of small cap companies and the secondary objective is to generate consistent returns by investing in debt and money market securities. Nippon India Small Cap Fund is a Equity - Small Cap fund was launched on 16 Sep 10. It is a fund with Moderately High risk and has given a Below is the key information for Nippon India Small Cap Fund Returns up to 1 year are on (Erstwhile Motilal Oswal MOSt Focused Midcap 30 Fund) The investment objective of the Scheme is to achieve long term capital appreciation by investing in a maximum of 30 quality mid-cap companies having long-term competitive advantages and potential for growth. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved. Motilal Oswal Midcap 30 Fund is a Equity - Mid Cap fund was launched on 24 Feb 14. It is a fund with Moderately High risk and has given a Below is the key information for Motilal Oswal Midcap 30 Fund Returns up to 1 year are on (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 Below is the key information for Kotak Small Cap Fund Returns up to 1 year are on 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 Below is the key information for ICICI Prudential Infrastructure Fund Returns up to 1 year are on 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 Below is the key information for L&T Emerging Businesses Fund Returns up to 1 year are on (Erstwhile DSP BlackRock Micro Cap 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 small cap companies. From time to time, the fund manager will also seek participation in other equity and equity related securities to achieve optimal portfolio construction. There is no assurance that the investment objective of the Scheme will be realized DSP BlackRock Small Cap Fund is a Equity - Small Cap fund was launched on 14 Jun 07. It is a fund with Moderately High risk and has given a Below is the key information for DSP BlackRock Small Cap Fund Returns up to 1 year are on The Scheme seeks to provide long term capital appreciation by investing in a portfolio that is predominantly constituted of equity and equity related instruments of infrastructure companies. However, there can be no assurance that the investment objective of the Scheme will be achieved. Invesco India Infrastructure Fund is a Equity - Sectoral fund was launched on 21 Nov 07. It is a fund with High risk and has given a Below is the key information for Invesco India Infrastructure Fund Returns up to 1 year are on 100 कोटी. 5 वर्षावर क्रमवारी लावलीCAGR/वार्षिक परतावा1. Nippon India Small Cap Fund
CAGR/Annualized return of 22.5% since its launch. Ranked 6 in Small Cap category. Return for 2023 was 48.9% , 2022 was 6.5% and 2021 was 74.3% . Nippon India Small Cap Fund
Growth Launch Date 16 Sep 10 NAV (31 Oct 24) ₹176.687 ↑ 2.32 (1.33 %) Net Assets (Cr) ₹62,260 on 30 Sep 24 Category Equity - Small Cap AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.55 Sharpe Ratio 2.46 Information Ratio 0.85 Alpha Ratio 7.04 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 Oct 19 ₹10,000 31 Oct 20 ₹10,780 31 Oct 21 ₹21,000 31 Oct 22 ₹24,010 31 Oct 23 ₹31,500 31 Oct 24 ₹46,003 Returns for Nippon India Small Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 24 Duration Returns 1 Month -3% 3 Month -1.9% 6 Month 14.5% 1 Year 46% 3 Year 29.9% 5 Year 35.7% 10 Year 15 Year Since launch 22.5% Historical performance (Yearly) on absolute basis
Year Returns 2023 48.9% 2022 6.5% 2021 74.3% 2020 29.2% 2019 -2.5% 2018 -16.7% 2017 63% 2016 5.6% 2015 15.1% 2014 97.6% Fund Manager information for Nippon India Small Cap Fund
Name Since Tenure Samir Rachh 2 Jan 17 7.75 Yr. Kinjal Desai 25 May 18 6.36 Yr. Data below for Nippon India Small Cap Fund as on 30 Sep 24
Equity Sector Allocation
Sector Value Industrials 27.19% Financial Services 13.15% Basic Materials 12.56% Consumer Cyclical 12.32% Technology 9.2% Consumer Defensive 8.3% Health Care 7.47% Utility 1.97% Communication Services 1.57% Energy 0.93% Real Estate 0.67% Asset Allocation
Asset Class Value Cash 4.01% Equity 95.99% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 22 | HDFCBANK2% ₹1,152 Cr 6,650,000 Tube Investments of India Ltd Ordinary Shares (Industrials)
Equity, Since 30 Apr 18 | TIINDIA2% ₹1,084 Cr 2,499,222 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 28 Feb 21 | MCX2% ₹1,048 Cr 1,851,010 Voltamp Transformers Ltd (Industrials)
Equity, Since 30 Sep 16 | VOLTAMP1% ₹857 Cr 650,444 Apar Industries Ltd (Industrials)
Equity, Since 31 Mar 17 | APARINDS1% ₹857 Cr 899,271
↓ -50,000 Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Oct 12 | KIRLOSBROS1% ₹829 Cr 4,472,130
↑ 5,124 Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 30 Sep 22 | 5001031% ₹769 Cr 27,500,000 NLC India Ltd (Utilities)
Equity, Since 31 Oct 22 | NLCINDIA1% ₹768 Cr 27,190,940 ELANTAS Beck India Ltd (Basic Materials)
Equity, Since 28 Feb 13 | 5001231% ₹738 Cr 614,625 State Bank of India (Financial Services)
Equity, Since 31 Oct 19 | SBIN1% ₹717 Cr 9,100,000 2. Motilal Oswal Midcap 30 Fund
CAGR/Annualized return of 24.4% since its launch. Ranked 27 in Mid Cap category. Return for 2023 was 41.7% , 2022 was 10.7% and 2021 was 55.8% . Motilal Oswal Midcap 30 Fund
Growth Launch Date 24 Feb 14 NAV (31 Oct 24) ₹102.968 ↓ -0.82 (-0.79 %) Net Assets (Cr) ₹18,604 on 30 Sep 24 Category Equity - Mid Cap AMC Motilal Oswal Asset Management Co. Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 0.66 Sharpe Ratio 3.44 Information Ratio 1.23 Alpha Ratio 22.5 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 Oct 19 ₹10,000 31 Oct 20 ₹9,551 31 Oct 21 ₹16,394 31 Oct 22 ₹19,861 31 Oct 23 ₹23,514 31 Oct 24 ₹39,059 Returns for Motilal Oswal Midcap 30 Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 24 Duration Returns 1 Month -4.3% 3 Month 2.6% 6 Month 24.2% 1 Year 66.1% 3 Year 33.6% 5 Year 31.3% 10 Year 15 Year Since launch 24.4% Historical performance (Yearly) on absolute basis
Year Returns 2023 41.7% 2022 10.7% 2021 55.8% 2020 9.3% 2019 9.7% 2018 -12.7% 2017 30.8% 2016 5.2% 2015 16.5% 2014 Fund Manager information for Motilal Oswal Midcap 30 Fund
Name Since Tenure Ajay Khandelwal 1 Oct 24 0 Yr. Niket Shah 1 Jul 20 4.25 Yr. Santosh Singh 1 Oct 24 0 Yr. Rakesh Shetty 22 Nov 22 1.86 Yr. Sunil Sawant 1 Jul 24 0.25 Yr. Data below for Motilal Oswal Midcap 30 Fund as on 30 Sep 24
Equity Sector Allocation
Sector Value Industrials 22.85% Technology 20.91% Consumer Cyclical 17.5% Financial Services 8.81% Health Care 4.47% Basic Materials 3.7% Real Estate 2.73% Asset Allocation
Asset Class Value Cash 19.02% Equity 80.98% Top Securities Holdings / Portfolio
Name Holding Value Quantity Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 29 Feb 24 | KALYANKJIL10% ₹1,855 Cr 25,400,000
↑ 400,000 Polycab India Ltd (Industrials)
Equity, Since 30 Sep 23 | POLYCAB10% ₹1,774 Cr 2,550,000
↑ 450,000 Jio Financial Services Ltd (Financial Services)
Equity, Since 31 Aug 23 | JIOFIN9% ₹1,640 Cr 46,773,159
↑ 13,873,159 Coforge Ltd (Technology)
Equity, Since 31 Mar 23 | COFORGE8% ₹1,579 Cr 2,250,000
↑ 650,000 Persistent Systems Ltd (Technology)
Equity, Since 31 Jan 23 | PERSISTENT8% ₹1,472 Cr 2,700,000
↓ -13,800 Tube Investments of India Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jul 20 | TIINDIA6% ₹1,070 Cr 2,467,811
↑ 217,811 Voltas Ltd (Industrials)
Equity, Since 31 Oct 17 | VOLTAS5% ₹923 Cr 5,000,000 Balkrishna Industries Ltd (Consumer Cyclical)
Equity, Since 28 Feb 23 | BALKRISIND4% ₹717 Cr 2,350,000
↑ 124,002 Zomato Ltd (Consumer Cyclical)
Equity, Since 30 Apr 23 | 5433204% ₹683 Cr 25,000,000
↓ -500,000 Max Healthcare Institute Ltd Ordinary Shares (Healthcare)
Equity, Since 31 Mar 24 | MAXHEALTH3% ₹540 Cr 5,481,171
↑ 981,171 3. Kotak Small Cap Fund
CAGR/Annualized return of 18.4% since its launch. Ranked 23 in Small Cap category. Return for 2023 was 34.8% , 2022 was -3.1% and 2021 was 70.9% . Kotak Small Cap Fund
Growth Launch Date 24 Feb 05 NAV (31 Oct 24) ₹276.704 ↑ 2.74 (1.00 %) Net Assets (Cr) ₹18,287 on 30 Sep 24 Category Equity - Small Cap AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 1.67 Sharpe Ratio 2.26 Information Ratio -0.55 Alpha Ratio 7.28 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 Oct 19 ₹10,000 31 Oct 20 ₹11,349 31 Oct 21 ₹22,656 31 Oct 22 ₹23,119 31 Oct 23 ₹26,953 31 Oct 24 ₹38,783 Returns for Kotak Small Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 24 Duration Returns 1 Month -4.1% 3 Month -0.2% 6 Month 18.8% 1 Year 43.9% 3 Year 19.6% 5 Year 31.1% 10 Year 15 Year Since launch 18.4% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 74% Fund Manager information for Kotak Small Cap Fund
Name Since Tenure Harish Bihani 20 Oct 23 0.95 Yr. Data below for Kotak Small Cap Fund as on 30 Sep 24
Equity Sector Allocation
Sector Value Industrials 33.42% Consumer Cyclical 20.77% Basic Materials 14.45% Health Care 12.7% Financial Services 3.67% Real Estate 3.63% Consumer Defensive 3.17% Communication Services 2.54% Technology 2.1% Asset Allocation
Asset Class Value Cash 3.55% Equity 96.45% Top Securities Holdings / Portfolio
Name Holding Value Quantity Cyient Ltd (Industrials)
Equity, Since 31 Dec 19 | CYIENT3% ₹597 Cr 3,174,852 Techno Electric & Engineering Co Ltd (Industrials)
Equity, Since 31 Dec 18 | TECHNOE3% ₹570 Cr 3,559,792 Century Plyboards (India) Ltd (Basic Materials)
Equity, Since 31 Oct 18 | 5325483% ₹565 Cr 6,353,571 Blue Star Ltd (Industrials)
Equity, Since 31 May 18 | BLUESTARCO3% ₹540 Cr 2,616,673
↓ -240,679 Ratnamani Metals & Tubes Ltd (Basic Materials)
Equity, Since 31 Jan 18 | RATNAMANI3% ₹487 Cr 1,328,764 Krishna Institute of Medical Sciences Ltd (Healthcare)
Equity, Since 31 Dec 23 | 5433082% ₹451 Cr 8,096,930 Sansera Engineering Ltd (Consumer Cyclical)
Equity, Since 30 Sep 21 | 5433582% ₹434 Cr 2,596,496 Vijaya Diagnostic Centre Ltd (Healthcare)
Equity, Since 31 Mar 24 | 5433502% ₹422 Cr 4,397,621
↑ 9,120 Alembic Pharmaceuticals Ltd (Healthcare)
Equity, Since 31 Jan 22 | APLLTD2% ₹413 Cr 3,427,766 Carborundum Universal Ltd (Industrials)
Equity, Since 30 Jun 18 | CARBORUNIV2% ₹407 Cr 2,718,155 4. ICICI Prudential Infrastructure Fund
CAGR/Annualized return of 16.7% since its launch. Ranked 27 in Sectoral category. Return for 2023 was 44.6% , 2022 was 28.8% and 2021 was 50.1% . ICICI Prudential Infrastructure Fund
Growth Launch Date 31 Aug 05 NAV (31 Oct 24) ₹191.55 ↑ 1.53 (0.81 %) Net Assets (Cr) ₹6,424 on 30 Sep 24 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 2.22 Sharpe Ratio 3.44 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 Oct 19 ₹10,000 31 Oct 20 ₹8,153 31 Oct 21 ₹16,225 31 Oct 22 ₹19,329 31 Oct 23 ₹24,564 31 Oct 24 ₹38,379 Returns for ICICI Prudential Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 24 Duration Returns 1 Month -5.4% 3 Month -3.4% 6 Month 9.6% 1 Year 56.2% 3 Year 33.2% 5 Year 30.9% 10 Year 15 Year Since launch 16.7% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 56.2% Fund Manager information for ICICI Prudential Infrastructure Fund
Name Since Tenure Ihab Dalwai 3 Jun 17 7.33 Yr. Sharmila D’mello 30 Jun 22 2.26 Yr. Data below for ICICI Prudential Infrastructure Fund as on 30 Sep 24
Equity Sector Allocation
Sector Value Industrials 31.81% Basic Materials 19.74% Financial Services 19.22% Utility 11.96% Energy 5.54% Consumer Cyclical 1.41% Real Estate 1.27% Communication Services 0.82% Asset Allocation
Asset Class Value Cash 7.51% Equity 91.77% Debt 0.72% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 09 | LT7% ₹441 Cr 1,199,683
↑ 83,564 NTPC Ltd (Utilities)
Equity, Since 29 Feb 16 | 5325555% ₹293 Cr 6,615,698
↓ -2,550,000 JM Financial Ltd (Financial Services)
Equity, Since 31 Oct 21 | JMFINANCIL4% ₹262 Cr 17,363,241
↑ 1,000,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 16 | ICICIBANK4% ₹253 Cr 1,990,000
↓ -210,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 22 | HDFCBANK4% ₹241 Cr 1,390,000
↓ -220,000 Kalpataru Projects International Ltd (Industrials)
Equity, Since 30 Sep 06 | KPIL4% ₹233 Cr 1,702,912
↓ -55,364 NCC Ltd (Industrials)
Equity, Since 31 Aug 21 | NCC3% ₹184 Cr 6,100,157 Bajaj Finserv Ltd (Financial Services)
Equity, Since 30 Jun 24 | 5329783% ₹179 Cr 905,683
↓ -8,000 Shree Cement Ltd (Basic Materials)
Equity, Since 30 Apr 24 | 5003873% ₹178 Cr 67,622 Nuvoco Vista Corp Ltd (Basic Materials)
Equity, Since 28 Feb 23 | 5433343% ₹176 Cr 4,887,713 5. L&T Emerging Businesses Fund
CAGR/Annualized return of 23% since its launch. Ranked 2 in Small Cap category. Return for 2023 was 46.1% , 2022 was 1% and 2021 was 77.4% . L&T Emerging Businesses Fund
Growth Launch Date 12 May 14 NAV (31 Oct 24) ₹87.1272 ↑ 1.52 (1.77 %) Net Assets (Cr) ₹17,306 on 30 Sep 24 Category Equity - Small Cap AMC L&T Investment Management Ltd Rating ☆☆☆☆☆ Risk High Expense Ratio 1.73 Sharpe Ratio 2 Information Ratio 0.27 Alpha Ratio 0.52 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 Oct 19 ₹10,000 31 Oct 20 ₹9,544 31 Oct 21 ₹18,715 31 Oct 22 ₹20,605 31 Oct 23 ₹26,571 31 Oct 24 ₹37,901 Returns for L&T Emerging Businesses Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 24 Duration Returns 1 Month -2.6% 3 Month -0.4% 6 Month 14.7% 1 Year 42.6% 3 Year 26.5% 5 Year 30.5% 10 Year 15 Year Since launch 23% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 Fund Manager information for L&T Emerging Businesses Fund
Name Since Tenure Venugopal Manghat 17 Dec 19 4.79 Yr. Cheenu Gupta 1 Oct 23 1 Yr. Sonal Gupta 1 Oct 23 1 Yr. Data below for L&T Emerging Businesses Fund as on 30 Sep 24
Equity Sector Allocation
Sector Value Industrials 32.47% Consumer Cyclical 15.46% Basic Materials 13.32% Financial Services 12.83% Technology 8.01% Real Estate 5.56% Health Care 3.49% Consumer Defensive 3.47% Energy 1.41% Asset Allocation
Asset Class Value Cash 1.98% Equity 98.02% Top Securities Holdings / Portfolio
Name Holding Value Quantity Apar Industries Ltd (Industrials)
Equity, Since 31 Mar 17 | APARINDS3% ₹482 Cr 505,400
↓ -130,000 Aditya Birla Real Estate Ltd (Basic Materials)
Equity, Since 30 Sep 22 | 5000403% ₹458 Cr 1,607,279 Trent Ltd (Consumer Cyclical)
Equity, Since 31 Jan 17 | 5002513% ₹440 Cr 580,400 Brigade Enterprises Ltd (Real Estate)
Equity, Since 31 Jul 19 | 5329292% ₹410 Cr 2,891,084
↓ -138,011 Techno Electric & Engineering Co Ltd (Industrials)
Equity, Since 31 Jan 19 | TECHNOE2% ₹396 Cr 2,473,042
↓ -100,000 Neuland Laboratories Limited
Equity, Since 31 Jan 24 | -2% ₹348 Cr 281,022
↓ -20,000 NCC Ltd (Industrials)
Equity, Since 28 Feb 21 | NCC2% ₹341 Cr 11,291,100 Dixon Technologies (India) Ltd (Technology)
Equity, Since 31 Jul 20 | DIXON2% ₹329 Cr 238,273 K.P.R. Mill Ltd (Consumer Cyclical)
Equity, Since 28 Feb 15 | KPRMILL2% ₹314 Cr 3,286,897 Supreme Petrochem Ltd (Basic Materials)
Equity, Since 30 Sep 16 | SPLPETRO2% ₹309 Cr 3,565,768 6. DSP BlackRock Small Cap Fund
CAGR/Annualized return of 18.7% since its launch. Ranked 7 in Small Cap category. Return for 2023 was 41.2% , 2022 was 0.5% and 2021 was 58.9% . DSP BlackRock Small Cap Fund
Growth Launch Date 14 Jun 07 NAV (31 Oct 24) ₹196.999 ↑ 3.20 (1.65 %) Net Assets (Cr) ₹16,705 on 30 Sep 24 Category Equity - Small Cap AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.86 Sharpe Ratio 1.69 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 Oct 19 ₹10,000 31 Oct 20 ₹11,638 31 Oct 21 ₹20,307 31 Oct 22 ₹21,585 31 Oct 23 ₹27,015 31 Oct 24 ₹37,727 Returns for DSP BlackRock Small Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 24 Duration Returns 1 Month -3.3% 3 Month 0.8% 6 Month 16.2% 1 Year 39.7% 3 Year 22.9% 5 Year 30.4% 10 Year 15 Year Since launch 18.7% Historical performance (Yearly) on absolute basis
Year Returns 2023 41.2% 2022 0.5% 2021 58.9% 2020 33.1% 2019 0.7% 2018 -25.5% 2017 42.8% 2016 12.7% 2015 20.4% 2014 101.8% Fund Manager information for DSP BlackRock Small Cap Fund
Name Since Tenure Vinit Sambre 21 Jun 10 14.29 Yr. Resham Jain 16 Mar 18 6.55 Yr. Data below for DSP BlackRock Small Cap Fund as on 30 Sep 24
Equity Sector Allocation
Sector Value Consumer Cyclical 32.87% Basic Materials 18.91% Industrials 17.95% Health Care 8.38% Consumer Defensive 7.45% Financial Services 4.13% Technology 3.14% Communication Services 1.07% Utility 0.21% Asset Allocation
Asset Class Value Cash 5.89% Equity 94.11% Top Securities Holdings / Portfolio
Name Holding Value Quantity Jubilant Ingrevia Ltd Ordinary Shares (Basic Materials)
Equity, Since 31 Dec 22 | JUBLINGREA4% ₹616 Cr 7,937,996 eClerx Services Ltd (Technology)
Equity, Since 28 Feb 18 | ECLERX3% ₹525 Cr 1,746,352 Welspun Corp Ltd (Basic Materials)
Equity, Since 31 Mar 21 | 5321443% ₹483 Cr 6,296,696
↓ -100,000 Suprajit Engineering Ltd (Consumer Cyclical)
Equity, Since 30 Jun 14 | SUPRAJIT3% ₹480 Cr 9,260,495
↓ -99,109 Triveni Engineering & Industries Ltd (Consumer Defensive)
Equity, Since 31 Aug 17 | 5323563% ₹435 Cr 9,143,737 Dodla Dairy Ltd (Consumer Defensive)
Equity, Since 30 Jun 21 | 5433062% ₹411 Cr 3,538,190 Techno Electric & Engineering Co Ltd (Industrials)
Equity, Since 31 Jan 19 | TECHNOE2% ₹400 Cr 2,500,000
↓ -335,306 LT Foods Ltd (Consumer Defensive)
Equity, Since 31 Dec 17 | 5327832% ₹399 Cr 10,000,000
↓ -1,568,344 Safari Industries (India) Ltd (Consumer Cyclical)
Equity, Since 31 Dec 21 | 5230252% ₹383 Cr 1,629,601 Ipca Laboratories Ltd (Healthcare)
Equity, Since 30 Nov 14 | 5244942% ₹351 Cr 2,341,299 7. Invesco India Infrastructure Fund
CAGR/Annualized return of 11.6% since its launch. Ranked 24 in Sectoral category. Return for 2023 was 51.1% , 2022 was 2.3% and 2021 was 55.4% . Invesco India Infrastructure Fund
Growth Launch Date 21 Nov 07 NAV (31 Oct 24) ₹64.37 ↑ 0.57 (0.89 %) Net Assets (Cr) ₹1,666 on 30 Sep 24 Category Equity - Sectoral AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk High Expense Ratio 2.34 Sharpe Ratio 2.95 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 Oct 19 ₹10,000 31 Oct 20 ₹9,711 31 Oct 21 ₹17,938 31 Oct 22 ₹18,879 31 Oct 23 ₹23,183 31 Oct 24 ₹37,187 Returns for Invesco India Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 24 Duration Returns 1 Month -6.1% 3 Month -6.5% 6 Month 10.4% 1 Year 60.4% 3 Year 27.5% 5 Year 30% 10 Year 15 Year Since launch 11.6% Historical performance (Yearly) on absolute basis
Year Returns 2023 51.1% 2022 2.3% 2021 55.4% 2020 16.2% 2019 6.1% 2018 -15.8% 2017 48.1% 2016 0.8% 2015 -2.6% 2014 83.6% Fund Manager information for Invesco India Infrastructure Fund
Name Since Tenure Amit Nigam 3 Sep 20 4.08 Yr. Data below for Invesco India Infrastructure Fund as on 30 Sep 24
Equity Sector Allocation
Sector Value Industrials 54% Utility 12.76% Consumer Cyclical 9.08% Basic Materials 7.62% Health Care 4.53% Technology 3.31% Energy 3% Financial Services 2.19% Real Estate 1.08% Communication Services 1.04% Asset Allocation
Asset Class Value Cash 1.39% Equity 98.61% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 12 | LT6% ₹93 Cr 252,200 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 30 Apr 22 | 5328985% ₹87 Cr 2,478,858
↓ -464,922 Jyoti CNC Automation Ltd (Industrials)
Equity, Since 31 Jan 24 | JYOTICNC4% ₹63 Cr 550,844 NTPC Ltd (Utilities)
Equity, Since 31 Dec 23 | 5325553% ₹55 Cr 1,234,119 Tata Power Co Ltd (Utilities)
Equity, Since 31 Jan 21 | 5004003% ₹54 Cr 1,114,602 Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Dec 23 | SOLARINDS3% ₹50 Cr 43,689 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 31 Jan 23 | 5005473% ₹50 Cr 1,351,085 Suzlon Energy Ltd (Industrials)
Equity, Since 31 Aug 23 | SUZLON3% ₹49 Cr 6,152,057
↓ -349,033 Bharat Electronics Ltd (Industrials)
Equity, Since 30 Nov 17 | BEL3% ₹49 Cr 1,717,480
↑ 322,266 Thermax Ltd (Industrials)
Equity, Since 30 Jun 21 | THERMAX3% ₹49 Cr 95,821
↓ -10,274
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Great Read. Clarified my doubts.