Table of Contents
एसआयपी वि आरडी
गुंतवणुकीचा उत्तम पर्याय कोणता आहे?
SIP विरुद्ध आरडी?कुठे गुंतवणूक करावी चांगल्या संपत्ती निर्मितीसाठी? संपत्ती निर्माण करण्याचा अंतिम दृष्टीकोन म्हणजे दरमहा पैसे वाचवणे. सामान्यतः, एक पद्धतशीरगुंतवणूक योजना (एसआयपी) आणि एक आरडी (आवर्ती ठेव) हे भारतातील सर्वात कार्यक्षम गुंतवणूक पर्यायांपैकी दोन आहेतपैसे वाचवा दर महिन्याला. SIP आणि RD दोन्ही गुंतवणूकदारांना चांगला परतावा मिळविण्यासाठी नियमित अंतराने लहान रकमेची गुंतवणूक करण्यास सक्षम करतात. सिस्टिमॅटिक इन्व्हेस्टमेंट प्लॅन (SIP) सह, गुंतवणूकदारांना कमाईसाठी मासिक किंवा त्रैमासिक, थोड्या प्रमाणात पैसे गुंतवावे लागतात.बाजार- लिंक्ड रिटर्न. आरडी (रिकरिंग डिपॉझिट) सोबत असताना, दगुंतवणूकदार निश्चित परतावा देण्यासाठी पूर्व-निर्धारित कालावधीसाठी निश्चित रक्कम गुंतवते. आता, गुंतवणूकदार सहजपणे ए वापरून एसआयपी परताव्याची गणना करू शकतातसिप कॅल्क्युलेटर आणि RD वापरून परत करतोआरडी कॅल्क्युलेटर त्यांच्या गुंतवणुकीच्या गरजांचा अंदाज लावणे.
भारतात, काही सर्वात सोयीस्कर नियतकालिक गुंतवणूक पर्यायांमध्ये SIP, RD आणि यांचा समावेश होतोपीपीएफ (एसआयपी सर्वात लोकप्रिय आहे).
SIP Vs RD - उत्पादनाची रचना
पद्धतशीर गुंतवणूक योजना (SIP)
SIP म्हणजे एकगुंतवणूक मध्ये ठराविक रक्कम गुंतवण्याची पद्धतम्युच्युअल फंड वेळोवेळी किमान रक्कमSIP मध्ये गुंतवणूक करा INR 500 पेक्षा कमी आहे. सहसा, इक्विटीमधील SIP चांगले परतावा देतात कारण ते बाजाराशी जोडलेले असतात आणि बाजाराशी सुसंगत परतावा देऊ शकतात. विविध स्त्रोतांनुसार, दीर्घ कालावधीसाठी SIP परतावा 12% ते 22% p.a. इतका जास्त असू शकतो, जो RD (रिकरिंग डिपॉझिट) द्वारे ऑफर केलेल्या व्याजदरांपेक्षा खूप जास्त आहे. SIP (सिस्टमॅटिक इन्व्हेस्टमेंट प्लॅन) चा एकमात्र तोटा असा आहे की SIP परतावा अस्थिर असतो कारण ते बाजाराशी निगडीत असतात, त्यामुळे जोखीमघटक खूप जास्त आहे. तथापि, दीर्घ मुदतीसाठी गुंतवणूक केल्यावर, SIP चा चांगला परतावा देतात असे मानले जाते.
आवर्ती ठेव (RD)
आवर्ती ठेव किंवा आरडी ही एक गुंतवणूक योजना आहे ज्यामध्ये गुंतवणूकदाराने गुंतवणूक करण्यापूर्वी गुंतवणूकीची रक्कम आणि गुंतवणुकीचा कालावधी निवडावा लागतो. RD अंतर्गत, गुंतवणूकदाराला काही व्याज आणि गुंतवलेली रक्कम मिळविण्यासाठी निवडलेल्या कालावधीत मासिक गुंतवणूक करावी लागते. साधारणपणे, RD चा व्याज दर 7% ते 9% p.a पर्यंत बदलतो. आणि परिणामी ज्येष्ठ नागरिकांसाठी जास्त आहे. फिक्स्ड डिपॉझिट आणि एसआयपी पेक्षा आरडी रिटर्न रेट खूपच कमी आहे कारण आरडीला फक्त पहिल्या ठेवीवर संपूर्ण 12 महिन्यांचे व्याज मिळते. आरडीमधील दुसऱ्या ठेवीवर, 11 महिन्यांसाठी, तिसऱ्या ठेवीवर 10 महिन्यांसाठी व्याज मिळते. तर, RD मध्ये कोणतेही चक्रवाढ फायदे नाहीत, उलटएफडी आणि SIP. आरडी रिटर्न्स निश्चित आहेत आणि आरडी कॅल्क्युलेटर वापरून सहजपणे मोजले जाऊ शकतात. आवर्ती ठेवीचा मोठा तोटा म्हणजे ती करक्षम नसते. व्याजावर TDS (टॅक्स डिडक्टेड अॅट सोर्स) लागू होतोउत्पन्न आरडी कडून
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टॉप 7 परफॉर्मिंग बॅलन्स्ड फंड एसआयपी
म्हणूनसंतुलित निधी पेक्षा कमी धोकादायक आहेइक्विटी म्युच्युअल फंड, बॅलन्स्ड फंड्स विस्तारित कालावधीत स्थिर परतावा देऊ शकतात. खालील फंडांची यादी मागील ३ वर्षांच्या वार्षिक परताव्यावर आधारित आहे (CAGR) आणि निव्वळ संपत्ती असलेले निधी500 कोटी आणि निधी वय > 3 वर्षे.
(Erstwhile HDFC Growth Fund and HDFC Prudence Fund) Aims to generate long term capital appreciation from a portfolio that is invested predominantly in equity and equity related instruments. HDFC Balanced Advantage Fund is a Hybrid - Dynamic Allocation fund was launched on 11 Sep 00. It is a fund with Moderately High risk and has given a Below is the key information for HDFC Balanced Advantage Fund Returns up to 1 year are on (Erstwhile JM Balanced Fund) To provide steady current income as well as long term growth of capital. JM Equity Hybrid Fund is a Hybrid - Hybrid Equity fund was launched on 1 Apr 95. It is a fund with Moderately High risk and has given a Below is the key information for JM Equity Hybrid Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Dynamic Plan) To generate capital appreciation by actively investing in equity and equity related securities. For defensive considerations, the Scheme may invest in debt, money market instruments and derivatives. The investment manager will have the discretion to take aggressive asset calls i.e. by staying 100% invested in equity market/equity related instruments at a given point of time and 0% at another, in which case, the fund may be invested in debt related instruments at its discretion. The AMC may choose to churn the portfolio of the Scheme in order to achieve the investment objective. The Scheme is suitable for investors seeking high returns and for those who are willing to take commensurate risks. ICICI Prudential Multi-Asset Fund is a Hybrid - Multi Asset fund was launched on 31 Oct 02. It is a fund with Moderately High risk and has given a Below is the key information for ICICI Prudential Multi-Asset Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Balanced Fund) To generate long term capital appreciation and current income from a portfolio
that is invested in equity and equity related securities as well as in fixed income
securities. ICICI Prudential Equity and Debt Fund is a Hybrid - Hybrid Equity fund was launched on 3 Nov 99. It is a fund with Moderately High risk and has given a Below is the key information for ICICI Prudential Equity and Debt Fund Returns up to 1 year are on (Erstwhile BOI AXA Mid Cap Equity And Debt Fund) The scheme's objective is to provide capital appreciation and income distribution to investors from a portfolio constituting of mid cap equity and equity related securities as well as fixed income securities.However there can be no assurance that the investment objectives of the Scheme will be realized BOI AXA Mid and Small Cap Equity and Debt Fund is a Hybrid - Hybrid Equity fund was launched on 20 Jul 16. It is a fund with Moderately High risk and has given a Below is the key information for BOI AXA Mid and Small Cap Equity and Debt Fund Returns up to 1 year are on (Erstwhile UTI Wealth Builder Fund) The objective of the Scheme is to achieve long term capital appreciation by investing predominantly in a diversified portfolio of equity and equity related instruments along with investments in Gold ETFs and Debt and Money Market Instruments. However, there can be no assurance that the investment objective of the Scheme will be achieved. UTI Multi Asset Fund is a Hybrid - Multi Asset fund was launched on 21 Oct 08. It is a fund with Moderately High risk and has given a Below is the key information for UTI Multi Asset Fund Returns up to 1 year are on (Erstwhile Edelweiss Prudent Advantage Fund) The objective of the Scheme is to generate returns through capital appreciation by investing in diversified portfolio of equity and equity-related securities, fixed income instruments and Gold Exchange Traded Funds.
However, there is no assurance that the investment objective of the Scheme will be realized. Edelweiss Multi Asset Allocation Fund is a Hybrid - Multi Asset fund was launched on 12 Aug 09. It is a fund with Moderately High risk and has given a Below is the key information for Edelweiss Multi Asset Allocation Fund Returns up to 1 year are on 1. HDFC Balanced Advantage Fund
CAGR/Annualized return of 18.5% since its launch. Ranked 23 in Dynamic Allocation category. Return for 2023 was 31.3% , 2022 was 18.8% and 2021 was 26.4% . HDFC Balanced Advantage Fund
Growth Launch Date 11 Sep 00 NAV (04 Nov 24) ₹499.933 ↓ -2.37 (-0.47 %) Net Assets (Cr) ₹96,536 on 30 Sep 24 Category Hybrid - Dynamic Allocation AMC HDFC Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.43 Sharpe Ratio 2.75 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 Oct 19 ₹10,000 31 Oct 20 ₹8,901 31 Oct 21 ₹14,022 31 Oct 22 ₹15,913 31 Oct 23 ₹18,913 31 Oct 24 ₹25,111 Returns for HDFC Balanced Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Nov 24 Duration Returns 1 Month -1.5% 3 Month -1.7% 6 Month 6.3% 1 Year 30.9% 3 Year 20.7% 5 Year 19.9% 10 Year 15 Year Since launch 18.5% Historical performance (Yearly) on absolute basis
Year Returns 2023 31.3% 2022 18.8% 2021 26.4% 2020 7.6% 2019 6.9% 2018 -3.1% 2017 27.9% 2016 9.4% 2015 0.3% 2014 51.8% Fund Manager information for HDFC Balanced Advantage Fund
Name Since Tenure Anil Bamboli 29 Jul 22 2.18 Yr. Gopal Agrawal 29 Jul 22 2.18 Yr. Arun Agarwal 6 Oct 22 1.99 Yr. Srinivasan Ramamurthy 29 Jul 22 2.18 Yr. Nirman Morakhia 15 Feb 23 1.63 Yr. Dhruv Muchhal 22 Jun 23 1.28 Yr. Data below for HDFC Balanced Advantage Fund as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 19.39% Equity 50.78% Debt 29.83% Equity Sector Allocation
Sector Value Financial Services 22.26% Industrials 9.44% Energy 7.88% Utility 5.23% Technology 4.45% Health Care 4.12% Consumer Cyclical 3.85% Consumer Defensive 2.96% Communication Services 2.57% Basic Materials 1.97% Real Estate 1.33% Debt Sector Allocation
Sector Value Cash Equivalent 19.39% Government 17.27% Corporate 12.56% Credit Quality
Rating Value AA 1.7% AAA 98.3% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 22 | HDFCBANK6% ₹6,160 Cr 35,564,751 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK4% ₹3,537 Cr 27,787,724 NTPC Ltd (Utilities)
Equity, Since 31 Aug 16 | 5325553% ₹3,140 Cr 70,855,915
↓ -1,000,000 State Bank of India (Financial Services)
Equity, Since 31 May 07 | SBIN3% ₹3,109 Cr 39,455,000
↑ 722,250 Coal India Ltd (Energy)
Equity, Since 31 Jan 18 | COALINDIA3% ₹2,922 Cr 57,282,114 7.38% Govt Stock 2027
Sovereign Bonds | -3% ₹2,773 Cr 272,581,800 Infosys Ltd (Technology)
Equity, Since 31 Oct 09 | INFY3% ₹2,497 Cr 13,314,298 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT2% ₹2,379 Cr 6,473,583 07.18 Goi 2033
Sovereign Bonds | -2% ₹2,348 Cr 228,533,300 ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 18 | ITC2% ₹2,278 Cr 43,955,326
↑ 1,171,200 2. JM Equity Hybrid Fund
CAGR/Annualized return of 13% since its launch. Ranked 35 in Hybrid Equity category. Return for 2023 was 33.8% , 2022 was 8.1% and 2021 was 22.9% . JM Equity Hybrid Fund
Growth Launch Date 1 Apr 95 NAV (04 Nov 24) ₹123.893 ↓ -0.54 (-0.44 %) Net Assets (Cr) ₹643 on 30 Sep 24 Category Hybrid - Hybrid Equity AMC JM Financial Asset Management Limited Rating ☆ Risk Moderately High Expense Ratio 2.36 Sharpe Ratio 2.9 Information Ratio 1.3 Alpha Ratio 14.61 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-60 Days (1%),60 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹11,515 31 Oct 21 ₹17,261 31 Oct 22 ₹17,599 31 Oct 23 ₹21,474 31 Oct 24 ₹30,859 Returns for JM Equity Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Nov 24 Duration Returns 1 Month -2.2% 3 Month -1.6% 6 Month 9.1% 1 Year 41.3% 3 Year 20.6% 5 Year 25.1% 10 Year 15 Year Since launch 13% Historical performance (Yearly) on absolute basis
Year Returns 2023 33.8% 2022 8.1% 2021 22.9% 2020 30.5% 2019 -8.1% 2018 1.7% 2017 18.5% 2016 3% 2015 -0.2% 2014 33.4% Fund Manager information for JM Equity Hybrid Fund
Name Since Tenure Satish Ramanathan 1 Oct 24 0 Yr. Asit Bhandarkar 31 Dec 21 2.75 Yr. Chaitanya Choksi 20 Aug 21 3.12 Yr. Ruchi Fozdar 4 Oct 24 0 Yr. Data below for JM Equity Hybrid Fund as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 81.48% Debt 18.52% Equity Sector Allocation
Sector Value Financial Services 15.86% Technology 10.72% Consumer Defensive 10.34% Health Care 9.43% Consumer Cyclical 9.16% Industrials 8.63% Basic Materials 5.28% Energy 1.41% Real Estate 1.08% Debt Sector Allocation
Sector Value Cash Equivalent 81.48% Government 10.71% Corporate 7.8% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Future on HDFC Bank Ltd
Derivatives | -5% -₹33 Cr 190,000
↑ 190,000 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Jun 24 | HDFCBANK5% ₹33 Cr 190,000
↑ 90,000 7.1% Govt Stock 2034
Sovereign Bonds | -4% ₹26 Cr 2,550,000
↑ 250,000 Future on ICICI Bank Ltd
Derivatives | -3% -₹21 Cr 163,000
↑ 163,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 21 | ICICIBANK3% ₹21 Cr 163,000
↑ 77,000 07.18 Goi 2028
Sovereign Bonds | -3% ₹18 Cr 1,700,000 Future on Balrampur Chini Mills Ltd
Derivatives | -3% -₹17 Cr 258,994
↑ 258,994 Balrampur Chini Mills Ltd (Consumer Defensive)
Equity, Since 31 Jul 24 | BALRAMCHIN3% ₹17 Cr 258,994
↑ 38,994 Future on ITC Ltd
Derivatives | -2% -₹16 Cr 310,000
↑ 310,000 ITC Ltd (Consumer Defensive)
Equity, Since 31 Aug 24 | ITC2% ₹16 Cr 310,000 3. ICICI Prudential Multi-Asset Fund
CAGR/Annualized return of 21.4% since its launch. Ranked 53 in Multi Asset category. Return for 2023 was 24.1% , 2022 was 16.8% and 2021 was 34.7% . ICICI Prudential Multi-Asset Fund
Growth Launch Date 31 Oct 02 NAV (31 Oct 24) ₹707.839 ↓ -2.35 (-0.33 %) Net Assets (Cr) ₹50,496 on 30 Sep 24 Category Hybrid - Multi Asset AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk Moderately High Expense Ratio 1.83 Sharpe Ratio 4.01 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 ₹9,446 31 Oct 21 ₹15,300 31 Oct 22 ₹17,201 31 Oct 23 ₹20,122 31 Oct 24 ₹26,116 Returns for ICICI Prudential Multi-Asset Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Nov 24 Duration Returns 1 Month -2.6% 3 Month 1.1% 6 Month 8.2% 1 Year 29.8% 3 Year 19.5% 5 Year 21.2% 10 Year 15 Year Since launch 21.4% Historical performance (Yearly) on absolute basis
Year Returns 2023 24.1% 2022 16.8% 2021 34.7% 2020 9.9% 2019 7.7% 2018 -2.2% 2017 28.2% 2016 12.5% 2015 -1.4% 2014 37% Fund Manager information for ICICI Prudential Multi-Asset Fund
Name Since Tenure Sankaran Naren 1 Feb 12 12.67 Yr. Manish Banthia 22 Jan 24 0.69 Yr. Ihab Dalwai 3 Jun 17 7.33 Yr. Akhil Kakkar 22 Jan 24 0.69 Yr. Sri Sharma 30 Apr 21 3.42 Yr. Gaurav Chikane 2 Aug 21 3.17 Yr. Sharmila D’mello 31 Jul 22 2.17 Yr. Data below for ICICI Prudential Multi-Asset Fund as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 35% Equity 50.9% Debt 8.96% Other 4.75% Equity Sector Allocation
Sector Value Financial Services 22.5% Consumer Cyclical 8.07% Energy 6.19% Basic Materials 5.91% Industrials 5.02% Health Care 4.88% Technology 4.69% Utility 4.07% Consumer Defensive 3.46% Communication Services 1.55% Real Estate 0.87% Debt Sector Allocation
Sector Value Cash Equivalent 33.3% Corporate 8.17% Government 2.88% Credit Quality
Rating Value A 2.18% AA 18.51% AAA 79.31% Top Securities Holdings / Portfolio
Name Holding Value Quantity Nifty 50 Index
Derivatives | -5% -₹2,558 Cr 984,350
↑ 984,350 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 22 | HDFCBANK5% ₹2,382 Cr 13,751,549
↓ -728,750 ICICI Bank Ltd (Financial Services)
Equity, Since 31 May 06 | ICICIBANK5% ₹2,375 Cr 18,656,800
↓ -300,000 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Aug 21 | MARUTI4% ₹2,079 Cr 1,570,587
↑ 72,500 NTPC Ltd (Utilities)
Equity, Since 31 Mar 17 | 5325553% ₹1,708 Cr 38,544,163
↓ -8,853,000 ICICI Prudential Silver ETF
- | -3% ₹1,646 Cr 179,691,983
↑ 35,340,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Dec 20 | RELIANCE3% ₹1,532 Cr 5,188,512
↑ 519,136 Bajaj Finserv Ltd (Financial Services)
Equity, Since 31 Jan 24 | 5329783% ₹1,368 Cr 6,934,716
↓ -626,500 SBI Cards and Payment Services Ltd Ordinary Shares (Financial Services)
Equity, Since 30 Nov 22 | SBICARD2% ₹1,199 Cr 15,494,626 Infosys Ltd (Technology)
Equity, Since 31 Oct 19 | INFY2% ₹1,073 Cr 5,720,805
↑ 200,000 4. ICICI Prudential Equity and Debt Fund
CAGR/Annualized return of 15.5% since its launch. Ranked 7 in Hybrid Equity category. Return for 2023 was 28.2% , 2022 was 11.7% and 2021 was 41.7% . ICICI Prudential Equity and Debt Fund
Growth Launch Date 3 Nov 99 NAV (04 Nov 24) ₹369.69 ↓ -2.65 (-0.71 %) Net Assets (Cr) ₹41,396 on 30 Sep 24 Category Hybrid - Hybrid Equity AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.78 Sharpe Ratio 3.41 Information Ratio 2.09 Alpha Ratio 7.75 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 ₹9,198 31 Oct 21 ₹15,945 31 Oct 22 ₹17,634 31 Oct 23 ₹20,357 31 Oct 24 ₹27,284 Returns for ICICI Prudential Equity and Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Nov 24 Duration Returns 1 Month -3% 3 Month -1.1% 6 Month 7.7% 1 Year 31.8% 3 Year 18.7% 5 Year 21.8% 10 Year 15 Year Since launch 15.5% Historical performance (Yearly) on absolute basis
Year Returns 2023 28.2% 2022 11.7% 2021 41.7% 2020 9% 2019 9.3% 2018 -1.9% 2017 24.8% 2016 13.7% 2015 2.1% 2014 45.6% Fund Manager information for ICICI Prudential Equity and Debt Fund
Name Since Tenure Sankaran Naren 7 Dec 15 8.82 Yr. Manish Banthia 19 Sep 13 11.04 Yr. Mittul Kalawadia 29 Dec 20 3.76 Yr. Akhil Kakkar 22 Jan 24 0.69 Yr. Sri Sharma 30 Apr 21 3.42 Yr. Sharmila D’mello 31 Jul 22 2.17 Yr. Data below for ICICI Prudential Equity and Debt Fund as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 16.21% Equity 68.06% Debt 14.99% Equity Sector Allocation
Sector Value Financial Services 18.98% Consumer Cyclical 11.57% Utility 6.93% Energy 6.16% Health Care 6.01% Communication Services 4.82% Industrials 4.72% Technology 2.86% Consumer Defensive 2.61% Basic Materials 1.94% Real Estate 1.51% Debt Sector Allocation
Sector Value Corporate 12.9% Cash Equivalent 12.03% Government 7% Credit Quality
Rating Value A 3.78% AA 30.35% AAA 65.87% Top Securities Holdings / Portfolio
Name Holding Value Quantity NTPC Ltd (Utilities)
Equity, Since 28 Feb 17 | 5325557% ₹2,784 Cr 62,807,600
↓ -6,361,500 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jul 12 | ICICIBANK6% ₹2,492 Cr 19,579,632 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 21 | HDFCBANK5% ₹2,213 Cr 12,775,772
↓ -394,900 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Jul 21 | MARUTI5% ₹2,089 Cr 1,578,091 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 16 | BHARTIARTL4% ₹1,679 Cr 9,820,680
↓ -303,525 Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 May 16 | SUNPHARMA4% ₹1,650 Cr 8,561,834
↓ -482,300 Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 22 | RELIANCE3% ₹1,185 Cr 4,014,343 Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 30 Apr 17 | 5003123% ₹1,133 Cr 38,077,802
↑ 3,600,301 TVS Motor Co Ltd (Consumer Cyclical)
Equity, Since 28 Feb 18 | 5323433% ₹1,091 Cr 3,840,285 Govt Stock 22092033
Sovereign Bonds | -2% ₹829 Cr 80,746,220 5. BOI AXA Mid and Small Cap Equity and Debt Fund
CAGR/Annualized return of 17.4% since its launch. Return for 2023 was 33.7% , 2022 was -4.8% and 2021 was 54.5% . BOI AXA Mid and Small Cap Equity and Debt Fund
Growth Launch Date 20 Jul 16 NAV (04 Nov 24) ₹37.82 ↓ -0.19 (-0.50 %) Net Assets (Cr) ₹1,000 on 30 Sep 24 Category Hybrid - Hybrid Equity AMC BOI AXA Investment Mngrs Private Ltd Rating Risk Moderately High Expense Ratio 2.68 Sharpe Ratio 2.27 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹11,496 31 Oct 21 ₹18,828 31 Oct 22 ₹18,853 31 Oct 23 ₹22,801 31 Oct 24 ₹31,596 Returns for BOI AXA Mid and Small Cap Equity and Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Nov 24 Duration Returns 1 Month -2.1% 3 Month -1.9% 6 Month 9.7% 1 Year 35.6% 3 Year 18.2% 5 Year 25.8% 10 Year 15 Year Since launch 17.4% Historical performance (Yearly) on absolute basis
Year Returns 2023 33.7% 2022 -4.8% 2021 54.5% 2020 31.1% 2019 -4.7% 2018 -14.2% 2017 47.1% 2016 2015 2014 Fund Manager information for BOI AXA Mid and Small Cap Equity and Debt Fund
Name Since Tenure Alok Singh 16 Feb 17 7.63 Yr. Data below for BOI AXA Mid and Small Cap Equity and Debt Fund as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 9.91% Equity 72.78% Debt 17.31% Equity Sector Allocation
Sector Value Basic Materials 13.28% Industrials 12.22% Consumer Cyclical 10.55% Financial Services 9.28% Technology 8.54% Health Care 7% Energy 5.22% Consumer Defensive 2.84% Communication Services 2.64% Utility 1.2% Debt Sector Allocation
Sector Value Government 11.54% Corporate 10.33% Cash Equivalent 5.35% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Jindal Stainless Ltd (Basic Materials)
Equity, Since 30 Sep 21 | JSL3% ₹30 Cr 385,000 Oil India Ltd (Energy)
Equity, Since 31 Mar 23 | OIL3% ₹28 Cr 475,000
↓ -55,000 Castrol India Ltd (Energy)
Equity, Since 31 Jan 24 | 5008702% ₹25 Cr 1,001,000 UNO Minda Ltd (Consumer Cyclical)
Equity, Since 31 Jul 19 | UNOMINDA2% ₹22 Cr 200,000
↓ -42,000 Indian Railway Finance Corporation Limited
Debentures | -2% ₹20 Cr 2,000,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹20 Cr 2,000,000
↑ 2,000,000 Deepak Nitrite Ltd (Basic Materials)
Equity, Since 31 Dec 23 | DEEPAKNTR2% ₹19 Cr 67,000
↑ 17,000 Eris Lifesciences Ltd Registered Shs (Healthcare)
Equity, Since 31 Jul 23 | ERIS2% ₹18 Cr 138,000
↑ 17,000 Nippon Life India Asset Management Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Jan 24 | NAM-INDIA2% ₹18 Cr 280,000
↑ 41,000 Small Industries Development Bank Of India
Debentures | -2% ₹18 Cr 1,800,000
↑ 1,800,000 6. UTI Multi Asset Fund
CAGR/Annualized return of 13% since its launch. Ranked 34 in Multi Asset category. Return for 2023 was 29.1% , 2022 was 4.4% and 2021 was 11.8% . UTI Multi Asset Fund
Growth Launch Date 21 Oct 08 NAV (04 Nov 24) ₹71.2873 ↓ -0.19 (-0.26 %) Net Assets (Cr) ₹4,060 on 30 Sep 24 Category Hybrid - Multi Asset AMC UTI Asset Management Company Ltd Rating ☆ Risk Moderately High Expense Ratio 1.62 Sharpe Ratio 4.19 Information Ratio 0 Alpha Ratio 0 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 Oct 19 ₹10,000 31 Oct 20 ₹10,550 31 Oct 21 ₹12,738 31 Oct 22 ₹13,037 31 Oct 23 ₹15,176 31 Oct 24 ₹20,657 Returns for UTI Multi Asset Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Nov 24 Duration Returns 1 Month -2.6% 3 Month 0.2% 6 Month 7.4% 1 Year 34% 3 Year 17.2% 5 Year 15.5% 10 Year 15 Year Since launch 13% Historical performance (Yearly) on absolute basis
Year Returns 2023 29.1% 2022 4.4% 2021 11.8% 2020 13.1% 2019 3.9% 2018 -0.5% 2017 17.1% 2016 7.3% 2015 -3.7% 2014 22.7% Fund Manager information for UTI Multi Asset Fund
Name Since Tenure Sharwan Kumar Goyal 12 Nov 21 2.89 Yr. Jaydeep Bhowal 1 Oct 24 0 Yr. Data below for UTI Multi Asset Fund as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 26.35% Equity 45.2% Debt 15.27% Other 13.19% Equity Sector Allocation
Sector Value Financial Services 12.58% Consumer Cyclical 12.33% Industrials 8.62% Energy 7.12% Technology 5.66% Health Care 5.42% Consumer Defensive 4.08% Basic Materials 3.51% Utility 3.04% Communication Services 2.28% Real Estate 1.47% Debt Sector Allocation
Sector Value Cash Equivalent 26.35% Government 15.14% Corporate 0.12% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity UTI Gold ETF
- | -13% ₹540 Cr 84,233,605
↑ 11,854,650 7.32% Govt Stock 2030
Sovereign Bonds | -5% ₹206 Cr 2,000,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -4% ₹154 Cr 1,500,000,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Jan 24 | RELIANCE4% ₹152 Cr 514,568
↑ 217,524 Future on HDFC Bank Ltd
Derivatives | -3% -₹126 Cr 720,500
↑ 30,250 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 24 | HDFCBANK3% ₹125 Cr 720,500
↑ 30,250 07.23 Goi 2064
Sovereign Bonds | -3% ₹104 Cr 1,000,000,000 ICICI Bank Ltd.
Debentures | -3% -₹102 Cr 795,200
↑ 795,200 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 24 | BHARTIARTL2% ₹92 Cr 540,734
↑ 77,262 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Apr 23 | LT2% ₹91 Cr 248,709
↑ 41,502 7. Edelweiss Multi Asset Allocation Fund
CAGR/Annualized return of since its launch. Ranked 71 in Multi Asset category. Return for 2023 was 25.4% , 2022 was 5.3% and 2021 was 27.1% . Edelweiss Multi Asset Allocation Fund
Growth Launch Date 12 Aug 09 NAV (04 Nov 24) ₹60.48 ↓ -0.33 (-0.54 %) Net Assets (Cr) ₹2,198 on 30 Sep 24 Category Hybrid - Multi Asset AMC Edelweiss Asset Management Limited Rating ☆ Risk Moderately High Expense Ratio 2.18 Sharpe Ratio 3.14 Information Ratio 2.24 Alpha Ratio 5.05 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹9,909 31 Oct 21 ₹14,323 31 Oct 22 ₹15,374 31 Oct 23 ₹17,397 31 Oct 24 ₹23,078 Returns for Edelweiss Multi Asset Allocation Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Nov 24 Duration Returns 1 Month -3.3% 3 Month -1% 6 Month 9.2% 1 Year 30.5% 3 Year 16.6% 5 Year 18% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2023 25.4% 2022 5.3% 2021 27.1% 2020 12.7% 2019 10.4% 2018 -0.1% 2017 26.1% 2016 0.2% 2015 2.2% 2014 38.4% Fund Manager information for Edelweiss Multi Asset Allocation Fund
Name Since Tenure Bhavesh Jain 14 Oct 15 8.97 Yr. Bharat Lahoti 1 Oct 21 3 Yr. Rahul Dedhia 1 Jul 24 0.25 Yr. Pranavi Kulkarni 1 Aug 24 0.17 Yr. Data below for Edelweiss Multi Asset Allocation Fund as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 8.57% Equity 73.99% Debt 17.44% Equity Sector Allocation
Sector Value Financial Services 19.25% Consumer Cyclical 13.59% Technology 8.59% Health Care 6.63% Industrials 6.4% Utility 4.92% Energy 4.2% Consumer Defensive 3.63% Communication Services 2.99% Basic Materials 2.62% Real Estate 1.17% Debt Sector Allocation
Sector Value Government 10.87% Cash Equivalent 8.57% Corporate 6.56% Securitized 0.01% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.26% Govt Stock 2033
Sovereign Bonds | -6% ₹129 Cr 12,500,000
↑ 12,500,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 15 | ICICIBANK5% ₹117 Cr 922,915 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 15 | HDFCBANK3% ₹76 Cr 441,172 6.54% Govt Stock 2032
Sovereign Bonds | -3% ₹74 Cr 7,500,000
↑ 7,500,000 Hdb Financial Services Ltd.
Debentures | -3% ₹74 Cr 7,500,000 NTPC Ltd (Utilities)
Equity, Since 30 Nov 21 | 5325553% ₹71 Cr 1,602,337
↑ 231,112 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 19 | BHARTIARTL3% ₹66 Cr 384,375 Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Oct 19 | SUNPHARMA3% ₹63 Cr 326,791
↑ 25,945 Infosys Ltd (Technology)
Equity, Since 31 May 15 | INFY2% ₹51 Cr 269,725
↑ 22,229 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 28 Feb 17 | MARUTI2% ₹50 Cr 37,447
एसआयपी वि आरडी: आरडी किंवा एसआयपी कोणते चांगले आहे?
आवर्ती ठेव आणि SIP मधील फरक
येथे वापरलेले घटक म्हणजे परताव्याचा दर,तरलता, कर आकारणी, अस्थिरता, जोखीम घटक इ.
| घटक | आवर्ती ठेव (RD) | पद्धतशीर गुंतवणूक योजना (SIP) |
|---|---|---|
| परताव्याचा दर | SIP रिटर्न्स हे मार्केट-लिंक्ड असतात आणि फंडाच्या प्रकारावर आणि फंडाच्या कामगिरीनुसार बदलू शकतात. तथापि, दीर्घ कालावधीसाठी गुंतवणूक केल्यास SIP चा परतावा चांगला असतो. | RD चा परतावा दर त्याच्यामुळे निश्चित केला जातोस्थिर व्याज दर. त्यामुळे या गुंतवणुकीवर बाजारातील अस्थिरतेचा कोणताही परिणाम होत नाही. |
| गुंतवणूक योजना | आरडी स्कीममध्ये, तुम्हाला एका ठेव योजनेत गुंतवणूक करावी लागेल जी तुम्हाला निश्चित दर परतावा देईल. जर तुम्ही अधिक लवचिकता शोधत असाल तर तुम्ही लवचिक आवर्ती ठेव योजना देखील निवडू शकता. | म्युच्युअल फंडासाठी एसआयपीमध्ये, तुम्ही तुमच्या जोखीम क्षमतेनुसार डेट किंवा इक्विटी प्रकारातील फंड निवडू शकता. |
| गुंतवणुकीचा प्रकार | आवर्ती ठेव योजनेत, गुंतवणूकदाराला दरमहा एक निश्चित रक्कम जमा करावी लागते. | सिस्टिमॅटिक इन्व्हेस्टमेंट प्लॅन हा तुमचा पैसा म्युच्युअल फंडांवर टाकण्याचा एक मार्ग आहे. नियतकालिक गुंतवणूक करता येतेआधार - दररोज, साप्ताहिक, मासिक किंवा त्रैमासिक. |
| तरलता | लाSIP रद्द करा, गुंतवणूकदार त्यांची गुंतवणूक बंद करू शकतात आणि कोणत्याही दंडात्मक शुल्काशिवाय त्यांचे पैसे काढू शकतात. | आरडीच्या बाबतीत, मुदतपूर्व पैसे काढणे किंवा गुंतवणूक बंद केल्याने दंड आकारला जाईल. |
| कर आकारणी | आवर्ती ठेव रक्कम किंवा त्यावर मिळणारे व्याज करातून सूट मिळत नाही. | जेव्हा इक्विटी लिंक्ड सेव्हिंग स्कीम (ELSS) निधी. |
| अस्थिरता | मार्केट-लिंक्ड असल्यामुळे, SIP रिटर्न्स अस्थिर असतात आणि ते फंडानुसार बदलू शकतात. | आरडी परतावा निश्चित असतो आणि त्यामुळे ही अस्थिर गुंतवणूक नसते. |
| जोखीम घटक | आरडी गुंतवणुकीत जोखीम घटक जवळजवळ शून्य असतो कारण परतावा निश्चित असतो. ही सर्वात सुरक्षित गुंतवणूक आहे. | एसआयपी मधील जोखीम आरडी पेक्षा जास्त आहे, कारण एसआयपी रिटर्न स्टॉक मार्केटवर अवलंबून आहे आणिमालमत्ता वाटप. |
| गुंतवणूक ध्येय | आवर्ती ठेवी सहसा अल्पकालीन बचतीचे उद्दिष्ट पूर्ण करतात आणि दीर्घकालीन संपत्ती वाढीस मदत करत नाहीत. | एसआयपी सर्व प्रकारच्या गुंतवणुकीच्या उद्दिष्टांमध्ये मदत करू शकतात, मग ते अल्पकालीन असो किंवा दीर्घकालीन, गुंतवणुकीची वारंवारता, निवडलेला निधी आणि इतर घटकांवर अवलंबून. |
| हप्ता वारंवारता | आवर्ती ठेव सहसा मासिक हप्त्यांसह येते | एसआयपी दैनिक, साप्ताहिक, मासिक, त्रैमासिक इत्यादी लवचिक हप्ते योजना देतात. |
मूल्यमापन: SIP Vs RD चे रिटर्न
गुंतवणुकीचा चांगला पर्याय कोणता आहे- एसआयपी वि आरडी? या प्रश्नाचे उत्तर प्रत्येक व्यक्तीच्या वैयक्तिक गरजांनुसार बदलू शकते. तुम्हाला माहिती आहेच की, RD परतावा निश्चित असताना SIP परतावा बदलू शकतो, जर एखाद्याने INR 1 ची गुंतवणूक केली तर गुंतवणूक किती वाढते ते पाहूया,000 1 वर्षासाठी (12 महिने) RD आणि SIP दोन्हीमध्ये.
आरडी रिटर्न कॅल्क्युलेटर
RD व्याज दर प्रत्येक वेळी बदलू शकतातबँक, परंतु साधारणपणे, व्याज दर 7% ते 9% p.a. पर्यंत असतो. व्याज दर 8% आहे असे गृहीत धरून, 12 महिन्यांसाठी मासिक INR 1,000 च्या RD गुंतवणुकीतील वाढीचे विश्लेषण करूया.
एसआयपी रिटर्न कॅल्क्युलेटर
SIP व्याज दर 12% आहे असे गृहीत धरून, तुम्ही 1 वर्षासाठी मासिक INR 1000 ची गुंतवणूक केल्यास तुमचा SIP कसा वाढतो याचे निरीक्षण करूया.कंपाउंडिंगची शक्ती.
शेवटी, गुंतवणूकदारांसाठी येथे काही अंतिम टिपा आहेत.
- तुम्ही जोखीम-प्रतिरोधक गुंतवणूकदार असाल, तर आरडी किंवा आवर्ती ठेव हा एक चांगला पर्याय आहे. आरडी व्याज दर आणि परतावा आधीपासून मर्यादित आहेत आणि सामान्यतः फार जास्त नसतात, 7-9% p.a पासून बदलू शकतात.
- जर तुम्हाला थोडीशी जोखीम घ्यायची असेल, तर दीर्घकालीन गुंतवणुकीसाठी एसआयपी हा सर्वोत्तम गुंतवणूक पर्यायांपैकी एक आहे. विश्लेषणानुसार, SIPs चांगले परतावा देतात आणि व्याज दर सामान्यतः जास्त असतात, 15% p.a. पेक्षा जास्त. काही बाबतीत.
- 5 वर्षांसाठी गुंतवणूक करताना, निश्चित परतावा शोधणाऱ्या गुंतवणूकदारांसाठी RD हा एक सुरक्षित पर्याय आहे.
- तथापि, विशिष्ट कालावधीसाठी (5 वर्षांपेक्षा जास्त) गुंतवणूक करतानाआर्थिक ध्येय, SIP चांगले परतावा देते आणि पैशाची वाढ जास्त असते.
"एसआयपीद्वारे इक्विटीमध्ये गुंतवणूक करणे म्हणजे झाड लावल्यासारखे आहे, फळ मिळविण्यासाठी संयम बाळगावा लागेल."
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.
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