Table of Contents
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!
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 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.
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.
मुदत ठेवीवरील परतावा पूर्व-निर्दिष्ट असतो आणि संपूर्ण कार्यकाळात बदलत नाही. म्युच्युअल फंड, आर्थिकशी जोडलेले असतानाबाजार, दीर्घकालीन गुंतवणुकीवर चांगला परतावा देतात.
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.
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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व्याजदर पूर्वनिर्धारित असल्याने मुदत ठेवींवर महागाईचा कोणताही परिणाम होत नाही. तर, म्युच्युअल फंडांसाठी, परतावा महागाई-समायोजित असतो ज्यामुळे चांगले परतावा मिळविण्याची क्षमता वाढते.
नाही आहेतभांडवल एफडीच्या बाबतीत लाभ संभवतो. म्युच्युअल फंडांसाठी,भांडवली नफा होल्डिंग कालावधीवर अवलंबून आहे. वेगवेगळे म्युच्युअल फंड वेगवेगळे भांडवली नफा देतात.
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.
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.
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.
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 |
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2023 (%) Nippon India Small Cap Fund Growth ₹147.715
↑ 1.78 ₹57,010 -12.6 -16.4 2.9 21.4 28.6 26.1 ICICI Prudential Infrastructure Fund Growth ₹170.99
↑ 1.54 ₹7,435 -6.5 -10.1 5.6 27.9 28.3 27.4 SBI Contra Fund Growth ₹353.633
↑ 1.52 ₹41,634 -4.8 -9.6 4.6 21.4 27.5 18.8 ICICI Prudential Technology Fund Growth ₹201.98
↓ -1.48 ₹14,101 -1.7 -1.7 10.9 9.6 26.5 25.4 Motilal Oswal Midcap 30 Fund Growth ₹93.2566
↑ 0.75 ₹24,488 -10.5 -7.1 22.5 28.1 26.3 57.1 IDFC Infrastructure Fund Growth ₹43.6
↑ 0.77 ₹1,641 -13.1 -22 4.5 23.2 25.4 39.3 Nippon India Power and Infra Fund Growth ₹300.972
↑ 4.46 ₹7,001 -10.9 -18.3 -0.5 26.6 25.4 26.9 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Feb 25
*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 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 provide the investors maximum growth opportunity through equity
investments in stocks of growth oriented sectors of the economy. SBI Contra Fund is a Equity - Contra fund was launched on 6 May 05. It is a fund with Moderately High risk and has given a Below is the key information for SBI Contra Fund Returns up to 1 year are on To generate long-term capital appreciation for you from a portfolio made up predominantly of equity and equity-related securities of technology intensive companies. ICICI Prudential Technology Fund is a Equity - Sectoral fund was launched on 3 Mar 00. It is a fund with High risk and has given a Below is the key information for ICICI Prudential Technology 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 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 Below is the key information for IDFC Infrastructure Fund Returns up to 1 year are on (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 Below is the key information for Nippon India Power and Infra 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 20.5% since its launch. Ranked 6 in Small Cap
category. Return for 2024 was 26.1% , 2023 was 48.9% and 2022 was 6.5% . Nippon India Small Cap Fund
Growth Launch Date 16 Sep 10 NAV (20 Feb 25) ₹147.715 ↑ 1.78 (1.22 %) Net Assets (Cr) ₹57,010 on 31 Jan 25 Category Equity - Small Cap AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.55 Sharpe Ratio 0.26 Information Ratio 0.78 Alpha Ratio 3.88 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 Returns for Nippon India Small Cap Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 20 Feb 25 Duration Returns 1 Month -11.2% 3 Month -12.6% 6 Month -16.4% 1 Year 2.9% 3 Year 21.4% 5 Year 28.6% 10 Year 15 Year Since launch 20.5% Historical performance (Yearly) on absolute basis
Year Returns 2023 26.1% 2022 48.9% 2021 6.5% 2020 74.3% 2019 29.2% 2018 -2.5% 2017 -16.7% 2016 63% 2015 5.6% 2014 15.1% Fund Manager information for Nippon India Small Cap Fund
Name Since Tenure Data below for Nippon India Small Cap Fund as on 31 Jan 25
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 2. ICICI Prudential Infrastructure Fund
CAGR/Annualized
return of 15.7% since its launch. Ranked 27 in Sectoral
category. Return for 2024 was 27.4% , 2023 was 44.6% and 2022 was 28.8% . ICICI Prudential Infrastructure Fund
Growth Launch Date 31 Aug 05 NAV (20 Feb 25) ₹170.99 ↑ 1.54 (0.91 %) Net Assets (Cr) ₹7,435 on 31 Jan 25 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 2.22 Sharpe Ratio 0.64 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 Returns for ICICI Prudential Infrastructure Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 20 Feb 25 Duration Returns 1 Month -5.6% 3 Month -6.5% 6 Month -10.1% 1 Year 5.6% 3 Year 27.9% 5 Year 28.3% 10 Year 15 Year Since launch 15.7% Historical performance (Yearly) on absolute basis
Year Returns 2023 27.4% 2022 44.6% 2021 28.8% 2020 50.1% 2019 3.6% 2018 2.6% 2017 -14% 2016 40.8% 2015 2% 2014 -3.4% Fund Manager information for ICICI Prudential Infrastructure Fund
Name Since Tenure Data below for ICICI Prudential Infrastructure Fund as on 31 Jan 25
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 3. SBI Contra Fund
CAGR/Annualized
return of 14.9% since its launch. Ranked 48 in Contra
category. Return for 2024 was 18.8% , 2023 was 38.2% and 2022 was 12.8% . SBI Contra Fund
Growth Launch Date 6 May 05 NAV (19 Feb 25) ₹353.633 ↑ 1.52 (0.43 %) Net Assets (Cr) ₹41,634 on 31 Jan 25 Category Equity - Contra AMC SBI Funds Management Private Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 1.7 Sharpe Ratio 0.39 Information Ratio 1.66 Alpha Ratio 0.8 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 Returns for SBI Contra Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 20 Feb 25 Duration Returns 1 Month -3.7% 3 Month -4.8% 6 Month -9.6% 1 Year 4.6% 3 Year 21.4% 5 Year 27.5% 10 Year 15 Year Since launch 14.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 18.8% 2022 38.2% 2021 12.8% 2020 49.9% 2019 30.6% 2018 -1% 2017 -14.3% 2016 40.2% 2015 2.4% 2014 -0.1% Fund Manager information for SBI Contra Fund
Name Since Tenure Data below for SBI Contra Fund as on 31 Jan 25
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 4. ICICI Prudential Technology Fund
CAGR/Annualized
return of 12.8% since its launch. Ranked 37 in Sectoral
category. Return for 2024 was 25.4% , 2023 was 27.5% and 2022 was -23.2% . ICICI Prudential Technology Fund
Growth Launch Date 3 Mar 00 NAV (19 Feb 25) ₹201.98 ↓ -1.48 (-0.73 %) Net Assets (Cr) ₹14,101 on 31 Jan 25 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk High Expense Ratio 1.96 Sharpe Ratio 0.63 Information Ratio 0.21 Alpha Ratio 0.86 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 Returns for ICICI Prudential Technology Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 20 Feb 25 Duration Returns 1 Month -3.5% 3 Month -1.7% 6 Month -1.7% 1 Year 10.9% 3 Year 9.6% 5 Year 26.5% 10 Year 15 Year Since launch 12.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 25.4% 2022 27.5% 2021 -23.2% 2020 75.7% 2019 70.6% 2018 2.3% 2017 19.1% 2016 19.8% 2015 -4% 2014 3.9% Fund Manager information for ICICI Prudential Technology Fund
Name Since Tenure Data below for ICICI Prudential Technology Fund as on 31 Jan 25
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 5. Motilal Oswal Midcap 30 Fund
CAGR/Annualized
return of 22.5% since its launch. Ranked 27 in Mid Cap
category. Return for 2024 was 57.1% , 2023 was 41.7% and 2022 was 10.7% . Motilal Oswal Midcap 30 Fund
Growth Launch Date 24 Feb 14 NAV (20 Feb 25) ₹93.2566 ↑ 0.75 (0.81 %) Net Assets (Cr) ₹24,488 on 31 Jan 25 Category Equity - Mid Cap AMC Motilal Oswal Asset Management Co. Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 0.66 Sharpe Ratio 0.93 Information Ratio 0.68 Alpha Ratio 15.2 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 Returns for Motilal Oswal Midcap 30 Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 20 Feb 25 Duration Returns 1 Month -8% 3 Month -10.5% 6 Month -7.1% 1 Year 22.5% 3 Year 28.1% 5 Year 26.3% 10 Year 15 Year Since launch 22.5% Historical performance (Yearly) on absolute basis
Year Returns 2023 57.1% 2022 41.7% 2021 10.7% 2020 55.8% 2019 9.3% 2018 9.7% 2017 -12.7% 2016 30.8% 2015 5.2% 2014 16.5% Fund Manager information for Motilal Oswal Midcap 30 Fund
Name Since Tenure Data below for Motilal Oswal Midcap 30 Fund as on 31 Jan 25
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 6. IDFC Infrastructure Fund
CAGR/Annualized
return of 11.1% since its launch. Ranked 1 in Sectoral
category. Return for 2024 was 39.3% , 2023 was 50.3% and 2022 was 1.7% . IDFC Infrastructure Fund
Growth Launch Date 8 Mar 11 NAV (20 Feb 25) ₹43.6 ↑ 0.77 (1.80 %) Net Assets (Cr) ₹1,641 on 31 Jan 25 Category Equity - Sectoral AMC IDFC Asset Management Company Limited Rating ☆☆☆☆☆ Risk High Expense Ratio 2.33 Sharpe Ratio 0.49 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 Returns for IDFC Infrastructure Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 20 Feb 25 Duration Returns 1 Month -12% 3 Month -13.1% 6 Month -22% 1 Year 4.5% 3 Year 23.2% 5 Year 25.4% 10 Year 15 Year Since launch 11.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 39.3% 2022 50.3% 2021 1.7% 2020 64.8% 2019 6.3% 2018 -5.3% 2017 -25.9% 2016 58.7% 2015 10.7% 2014 -0.2% Fund Manager information for IDFC Infrastructure Fund
Name Since Tenure Data below for IDFC Infrastructure Fund as on 31 Jan 25
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 7. Nippon India Power and Infra Fund
CAGR/Annualized
return of 17.8% since its launch. Ranked 13 in Sectoral
category. Return for 2024 was 26.9% , 2023 was 58% and 2022 was 10.9% . Nippon India Power and Infra Fund
Growth Launch Date 8 May 04 NAV (20 Feb 25) ₹300.972 ↑ 4.46 (1.51 %) Net Assets (Cr) ₹7,001 on 31 Jan 25 Category Equity - Sectoral AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk High Expense Ratio 2.05 Sharpe Ratio 0.29 Information Ratio 1.18 Alpha Ratio 3.79 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 Returns for Nippon India Power and Infra Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 20 Feb 25 Duration Returns 1 Month -10.4% 3 Month -10.9% 6 Month -18.3% 1 Year -0.5% 3 Year 26.6% 5 Year 25.4% 10 Year 15 Year Since launch 17.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 26.9% 2022 58% 2021 10.9% 2020 48.9% 2019 10.8% 2018 -2.9% 2017 -21.1% 2016 61.7% 2015 0.1% 2014 0.3% Fund Manager information for Nippon India Power and Infra Fund
Name Since Tenure Data below for Nippon India Power and Infra Fund as on 31 Jan 25
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity
आर्थिक नियोजन आपले व्यवस्थापन करण्याची गुरुकिल्ली आहेउत्पन्न आणि खर्च. तर, तुमचे काय आहेआर्थिक ध्येय? विश्लेषण करा आणि हुशारीने गुंतवणूक करा!
Great Read. Clarified my doubts.