Fincash » Mutual Funds » Malaysia-Based NRI Investment in Mutual Funds
Table of Contents
Mutual Funds for Malaysia-Based NRI Investing in India
Many NRIs living in the Malaysia invest in debt and equity Market for earning good returns. Mutual Funds are a great option to earn higher Income when compared to traditional investments. The longer you invest in MFs the higher are the possibilities to earn good returns.
Usually, NRIs living in the Malaysia plan their long-term Financial goals like retirement by Investing in mutual funds in India. Investors living in the Malaysia who are planning for mutual fund investment, the first thing you always need to do before deciding on the fund is to- determine the time frame of the investment. For instance, if you require the money within three years or less Call it as short-term. If you would redeem the investment between three to five years call it as mid-term and anytime above five years call it as long-term.
Malaysia-based NRIs who want to invest in Mutual Funds in India there are some of the important guidelines & rules that need to be followed in order to begin their investment.
Mutual Fund Investments for NRI Living in Malaysia
To invest in Mutual Funds in India one is supposed to open any of the following accounts with an Indian Bank:
NRE Account
This is Non-Resident External (NRE) account which can be in the form of savings, current, fixed or Recurring deposit. You need to deposit the foreign currency in this account. To be able to deposit Indian currency, you must open NRO account. There is no upper limit on the transaction amount in an NRE account.
NRO Account
The NRO or Non-Resident Ordinary account is in the form of savings or current account that is meant for NRIs to manage their income earned in India. In NRO account, foreign currency gets converted into Indian rupees after it gets deposited. An NRO account can be held jointly with another NRI as well as resident Indian (close relatives).
FCNR Account
This stands for Foreign Currency Non-Repatriable account deposits. In this account, NRIs can remit their Earnings in one of the six currencies such as Canadian $, US$, Euro, AU$, Yen, and Pound. Funds can be transferred from other FCNR or NRE accounts. In FCNR, the principal and interest don’t accrue any tax.
Once you open any of these accounts, you need successfully complete your KYC (Know Your Customer), under KYC norms, which is set by SEBI (Securities Exchange Board of India). One can complete their KYC with any of the SEBI-registered intermediates.
KYC Procedure for NRI to Invest in Mutual Funds
To successfully complete your KYC procedure, Malaysia based-NRIs need to complete certain important steps and furnish documents like:
a. KYC Form
An NRI needs to submit the KYC Form with all the necessary details filled to the SEBI registered intermediate. The documents can be sent by courier/post to the intermediate.
b. Documents
Following are the necessary documents that need to be submitted:
- Overseas address proof
- Indian resident address proof
- A recent photograph
- Passport copy
In case of NRIs in the Merchant Navy, a mariner’s declaration or certified copy of Continuous Discharge Certificate must be submitted.
c. Attestation
NRIs or PIOs (Person of India Origin) can get the above documents attested by the authorised officials of overseas branches of scheduled commercial banks registered in India, judge, court magistrate, public notaries, or the Indian embassy/consulate general in the country that they are located.
d. In Personal Verification (IPV)
As per SEBI rules, IPV is mandatory for KYC process. The intermediate should conduct the IPV of NRIs/PIOs.
Please note that all the above documents/proofs while submitting should be in the English language.
Talk to our investment specialist
Non-Resident Indian (NRI) Mutual Fund Taxation
Capital Gains Tax Rates on NRI Mutual Fund Investments for the Financial Year 2017-18 (Assessment Year 2018-19) are as below:
NRI taxation on Mutual Funds- Capital Gains Tax Rates- FY 2017/2018 (AY- 2018-19)
| Types of Mutual Fund Scheme | Short Term Capital Gains (STCG) | Long Term Capital Gains (LTCG) |
|---|---|---|
| Equity Funds- STCG- Units held less than or equal to a year, LTCG- Units held more than a year | 15% | Nil |
| Non-Equity Funds- STCG- Units held for 3 years or less, LTCG- Units held for more than 3 years | As per Individual’s income tax bracket | On listed funds-20% (with indexation), Unlisted funds- 10% (without indexation) |
Mutual Fund Taxation on Dividends
Dividends on Equity Funds: The dividend received in the hands of unit holder for equity funds is completely tax-free. The dividend is also tax-free to the AMC.
Dividends on Debt Funds: The AMC has to pay a dividend distribution tax (DDT) of 28.84% before distributing this dividend income to its unit-holders. The dividend income received by a Debt fund unit holder is also tax-free.
Below is the TDS rate applicable on MF redemptions by NRIs for AY 2018-19.
NRI Taxation on Mutual Funds- Capital Gains Tax Rates- FY 2017/2018 (AY- 2018-19)
| Mutual Fund Redemptions by NRIs & TDS Rate | STCG & TDS Rate | LTCG & TDS Rate |
|---|---|---|
| Type of MF Scheme | ||
| Equity Oriented Funds | 15% | Nil |
| Debt Funds | 30% | On listed funds- 20% (with indexation), unlisted funds- 10% (without indexation) |
Best Mutual Funds to Invest for Malaysia Based-NRIs
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Sub Cat. Sundaram Rural and Consumption Fund Growth ₹87.322
↓ -0.25 ₹1,518 -12.3 -13.3 7.6 19.5 15.9 20.1 Sectoral UTI Banking & PSU Debt Fund Growth ₹21.2239
↑ 0.01 ₹814 1.5 3.4 7.3 8.4 7 7.6 Banking & PSU Debt UTI Dynamic Bond Fund Growth ₹29.9931
↑ 0.00 ₹534 1.3 3.1 7.1 8.9 8.7 8.6 Dynamic Bond L&T India Value Fund Growth ₹94.1008
↑ 0.10 ₹12,849 -16.3 -14.1 0.9 21.3 22.7 25.9 Value L&T Emerging Businesses Fund Growth ₹70.4511
↑ 0.23 ₹17,386 -22.8 -19.7 0.3 19.6 26.9 28.5 Small Cap BNP Paribas Multi Cap Fund Growth ₹73.5154
↓ -0.01 ₹588 -4.6 -2.6 19.3 17.3 13.6 Multi Cap L&T Tax Advantage Fund Growth ₹118.258
↓ -0.01 ₹3,977 -15 -11.7 8.9 18.2 17.9 33 ELSS UTI Regular Savings Fund Growth ₹65.9153
↓ -0.02 ₹1,633 -1.8 -0.6 8.2 9.2 10.6 11.6 Hybrid Debt UTI Money Market Fund Growth ₹3,001.28
↑ 0.47 ₹17,810 1.7 3.6 7.6 6.9 6 7.7 Money Market UTI Treasury Advantage Fund Growth ₹3,448.49
↑ 0.57 ₹3,348 1.6 3.5 7.5 6.6 7.1 7.7 Low Duration Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Mar 25
(Erstwhile Sundaram Rural India Fund) The primary investment objective of the scheme is to generate consistent long-term returns by investing predominantly in equity & equity related instruments of companies that are focusing on Rural India. Sundaram Rural and Consumption Fund is a Equity - Sectoral fund was launched on 12 May 06. It is a fund with Moderately High risk and has given a Below is the key information for Sundaram Rural and Consumption Fund Returns up to 1 year are on The investment objective of the scheme is to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of predominantly debt & money market securities by Banks and Public Sector Undertakings (PSUs). UTI Banking & PSU Debt Fund is a Debt - Banking & PSU Debt fund was launched on 3 Feb 14. It is a fund with Moderate risk and has given a Below is the key information for UTI Banking & PSU Debt Fund Returns up to 1 year are on The investment objective of the scheme is to generate optimal returns with adequate liquidity through active management of the portfolio, by investing in debt and money market instruments. However, there can be no assurance that the investment objective of the scheme will be realized. UTI Dynamic Bond Fund is a Debt - Dynamic Bond fund was launched on 16 Jun 10. It is a fund with Moderate risk and has given a Below is the key information for UTI Dynamic Bond Fund Returns up to 1 year are on To generate long-term capital appreciation from diversified portfolio of predominantly equity and equity related securities, in the Indian markets with higher focus on undervalued securities. The Scheme could also additionally invest in Foreign Securities in international markets. L&T India Value Fund is a Equity - Value fund was launched on 8 Jan 10. It is a fund with Moderately High risk and has given a Below is the key information for L&T India Value 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 BNP Paribas Dividend Yield Fund) The investment objective of the scheme is to generate long term capital growth from an actively managed portfolio of equity and equity related securities, primarily being high dividend yield stocks. High dividend yield stocks are
defined as stocks of companies that have a dividend yield in excess of 0.5%, at the time of investment. However, there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns. BNP Paribas Multi Cap Fund is a Equity - Multi Cap fund was launched on 15 Sep 05. It is a fund with Moderately High risk and has given a Below is the key information for BNP Paribas Multi Cap Fund Returns up to 1 year are on To generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities. L&T Tax Advantage Fund is a Equity - ELSS fund was launched on 27 Feb 06. It is a fund with Moderately High risk and has given a Below is the key information for L&T Tax Advantage Fund Returns up to 1 year are on (Erstwhile UTI MIS Advantage Plan) The investment objective of the Scheme is to generate regular income through investments in fixed income securities and capital appreciation / dividend income through investment of a portion of net assets of the scheme in equity and equity related instruments so as to endeavour to make periodic income distribution to Unit holders. Income may be generated through Coupon payments, amortization of discount on debt instruments, receipt of dividends or the purchase and sale of securities in the underlying portfolio. Under normal market conditions investment will be made in fixed income securities, money market instruments,cash and cash equivalents while at the same time maintaining a limited exposure to equity markets. The Scheme will endeavor to enhance overall returns through appropriate investments upto a maximum of 25% of Net Assets into equity and equity related instruments. UTI Regular Savings Fund is a Hybrid - Hybrid Debt fund was launched on 16 Dec 03. It is a fund with Moderately High risk and has given a Below is the key information for UTI Regular Savings Fund Returns up to 1 year are on To provide highest possible current income consistent with preservation of capital and providing liquidity from investing in a diversified portfolio of short term money market securities. UTI Money Market Fund is a Debt - Money Market fund was launched on 13 Jul 09. It is a fund with Low risk and has given a Below is the key information for UTI Money Market Fund Returns up to 1 year are on The scheme will endeavour to generate an attractive return for its investors consistent with capital preservation and liquidity by investing in a portfolio of quality debt securities, money market instruments and structured obligations. UTI Treasury Advantage Fund is a Debt - Low Duration fund was launched on 23 Apr 07. It is a fund with Moderately Low risk and has given a Below is the key information for UTI Treasury Advantage Fund Returns up to 1 year are on 1. Sundaram Rural and Consumption Fund
CAGR/Annualized return of 12.2% since its launch. Ranked 2 in Sectoral category. Return for 2024 was 20.1% , 2023 was 30.2% and 2022 was 9.3% . Sundaram Rural and Consumption Fund
Growth Launch Date 12 May 06 NAV (07 Mar 25) ₹87.322 ↓ -0.25 (-0.28 %) Net Assets (Cr) ₹1,518 on 31 Jan 25 Category Equity - Sectoral AMC Sundaram Asset Management Company Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.23 Sharpe Ratio 0.63 Information Ratio -0.03 Alpha Ratio 0.8 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹11,448 28 Feb 22 ₹13,007 28 Feb 23 ₹13,929 29 Feb 24 ₹18,860 28 Feb 25 ₹20,135 Returns for Sundaram Rural and Consumption Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Mar 25 Duration Returns 1 Month -7.4% 3 Month -12.3% 6 Month -13.3% 1 Year 7.6% 3 Year 19.5% 5 Year 15.9% 10 Year 15 Year Since launch 12.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 20.1% 2023 30.2% 2022 9.3% 2021 19.3% 2020 13.5% 2019 2.7% 2018 -7.8% 2017 38.7% 2016 21.1% 2015 6.3% Fund Manager information for Sundaram Rural and Consumption Fund
Name Since Tenure Ratish Varier 1 Jan 22 3.16 Yr. Data below for Sundaram Rural and Consumption Fund as on 31 Jan 25
Equity Sector Allocation
Sector Value Consumer Cyclical 43.4% Consumer Defensive 32.21% Communication Services 12.27% Health Care 2.81% Financial Services 2.64% Real Estate 1.64% Basic Materials 1.46% Asset Allocation
Asset Class Value Cash 3.57% Equity 96.43% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 22 | BHARTIARTL10% ₹153 Cr 939,519 ITC Ltd (Consumer Defensive)
Equity, Since 31 Jul 13 | ITC9% ₹134 Cr 2,991,251 Titan Co Ltd (Consumer Cyclical)
Equity, Since 29 Feb 20 | TITAN7% ₹106 Cr 303,263 Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 30 Apr 22 | M&M7% ₹105 Cr 350,492 Hindustan Unilever Ltd (Consumer Defensive)
Equity, Since 30 Apr 16 | HINDUNILVR6% ₹86 Cr 350,212 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Jul 12 | MARUTI5% ₹83 Cr 67,306 Zomato Ltd (Consumer Cyclical)
Equity, Since 31 May 24 | 5433204% ₹66 Cr 3,000,962 United Spirits Ltd (Consumer Defensive)
Equity, Since 31 Dec 18 | UNITDSPR4% ₹65 Cr 453,496 Safari Industries (India) Ltd (Consumer Cyclical)
Equity, Since 28 Feb 22 | 5230254% ₹59 Cr 245,560 Trent Ltd (Consumer Cyclical)
Equity, Since 29 Feb 24 | 5002513% ₹50 Cr 86,291
↑ 9,192 2. UTI Banking & PSU Debt Fund
CAGR/Annualized return of 7% since its launch. Ranked 3 in Banking & PSU Debt category. Return for 2024 was 7.6% , 2023 was 6.7% and 2022 was 10.3% . UTI Banking & PSU Debt Fund
Growth Launch Date 3 Feb 14 NAV (07 Mar 25) ₹21.2239 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹814 on 31 Jan 25 Category Debt - Banking & PSU Debt AMC UTI Asset Management Company Ltd Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 0.55 Sharpe Ratio 0.83 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.32% Effective Maturity 2 Years 6 Months 25 Days Modified Duration 2 Years 2 Months 8 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,652 28 Feb 22 ₹11,066 28 Feb 23 ₹12,186 29 Feb 24 ₹13,110 28 Feb 25 ₹14,081 Returns for UTI Banking & PSU Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Mar 25 Duration Returns 1 Month 0.3% 3 Month 1.5% 6 Month 3.4% 1 Year 7.3% 3 Year 8.4% 5 Year 7% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.6% 2023 6.7% 2022 10.3% 2021 2.8% 2020 8.9% 2019 -1% 2018 6.8% 2017 6.4% 2016 11.7% 2015 8.6% Fund Manager information for UTI Banking & PSU Debt Fund
Name Since Tenure Anurag Mittal 1 Dec 21 3.25 Yr. Data below for UTI Banking & PSU Debt Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 5.4% Debt 94.29% Other 0.32% Debt Sector Allocation
Sector Value Corporate 49.54% Government 44.74% Cash Equivalent 5.4% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.38% Govt Stock 2027
Sovereign Bonds | -11% ₹86 Cr 850,000,000 Axis Bank Limited
Debentures | -7% ₹55 Cr 550 Small Industries Development Bank Of India
Debentures | -6% ₹50 Cr 5,000 Export-Import Bank Of India
Debentures | -6% ₹50 Cr 5,000 ICICI Bank Limited
Debentures | -6% ₹48 Cr 500 7.37% Govt Stock 2028
Sovereign Bonds | -6% ₹46 Cr 450,000,000 Power Finance Corporation Limited
Debentures | -5% ₹40 Cr 400 Rural Electrification Corporation Limited
Debentures | -4% ₹35 Cr 3,500 HDFC Bank Limited
Debentures | -4% ₹35 Cr 350 Indian Railway Finance Corporation Limited
Debentures | -4% ₹30 Cr 300 3. UTI Dynamic Bond Fund
CAGR/Annualized return of 7.7% since its launch. Ranked 3 in Dynamic Bond category. Return for 2024 was 8.6% , 2023 was 6.2% and 2022 was 10.1% . UTI Dynamic Bond Fund
Growth Launch Date 16 Jun 10 NAV (07 Mar 25) ₹29.9931 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹534 on 31 Jan 25 Category Debt - Dynamic Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 1.54 Sharpe Ratio 0.73 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.09% Effective Maturity 14 Years 7 Months 13 Days Modified Duration 6 Years 5 Months 5 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,678 28 Feb 22 ₹11,908 28 Feb 23 ₹13,221 29 Feb 24 ₹14,242 28 Feb 25 ₹15,265 Returns for UTI Dynamic Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Mar 25 Duration Returns 1 Month 0.4% 3 Month 1.3% 6 Month 3.1% 1 Year 7.1% 3 Year 8.9% 5 Year 8.7% 10 Year 15 Year Since launch 7.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.6% 2023 6.2% 2022 10.1% 2021 10.8% 2020 5.9% 2019 -3.9% 2018 5.2% 2017 4.2% 2016 14.9% 2015 6.9% Fund Manager information for UTI Dynamic Bond Fund
Name Since Tenure Sudhir Agarwal 1 Dec 21 3.25 Yr. Data below for UTI Dynamic Bond Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 8.2% Debt 91.56% Other 0.24% Debt Sector Allocation
Sector Value Government 72.55% Corporate 19.01% Cash Equivalent 8.2% Credit Quality
Rating Value AA 1.2% AAA 98.8% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -47% ₹277 Cr 2,750,000,000
↑ 2,750,000,000 6.92% Govt Stock 2039
Sovereign Bonds | -16% ₹91 Cr 900,000,000 Small Industries Development Bank Of India
Debentures | -7% ₹40 Cr 4,000 National Bank For Agriculture And Rural Development
Debentures | -7% ₹40 Cr 4,000 Rec Limited
Debentures | -7% ₹40 Cr 4,000 Power Finance Corporation Ltd.
Debentures | -4% ₹25 Cr 2,500 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹15 Cr 150,000,000 Mankind Pharma Ltd
Debentures | -1% ₹5 Cr 500 CORPORATE DEBT MARKET DEVT FUND - A2 UNITS
Investment Fund | -0% ₹1 Cr 1,263 Net Current Assets
Net Current Assets | -8% ₹46 Cr 4. L&T India Value Fund
CAGR/Annualized return of 15.9% since its launch. Ranked 4 in Value category. Return for 2024 was 25.9% , 2023 was 39.4% and 2022 was 5.2% . L&T India Value Fund
Growth Launch Date 8 Jan 10 NAV (07 Mar 25) ₹94.1008 ↑ 0.10 (0.10 %) Net Assets (Cr) ₹12,849 on 31 Jan 25 Category Equity - Value AMC L&T Investment Management Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.77 Sharpe Ratio 0.5 Information Ratio 1.17 Alpha Ratio 3.07 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 29 Feb 20 ₹10,000 28 Feb 21 ₹13,003 28 Feb 22 ₹16,060 28 Feb 23 ₹17,273 29 Feb 24 ₹26,667 28 Feb 25 ₹26,346 Returns for L&T India Value Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Mar 25 Duration Returns 1 Month -7.1% 3 Month -16.3% 6 Month -14.1% 1 Year 0.9% 3 Year 21.3% 5 Year 22.7% 10 Year 15 Year Since launch 15.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 25.9% 2023 39.4% 2022 5.2% 2021 40.3% 2020 14.6% 2019 4.6% 2018 -11.4% 2017 41.3% 2016 8.1% 2015 12.9% Fund Manager information for L&T India Value Fund
Name Since Tenure Venugopal Manghat 24 Nov 12 12.27 Yr. Gautam Bhupal 1 Oct 23 1.41 Yr. Sonal Gupta 1 Oct 23 1.41 Yr. Data below for L&T India Value Fund as on 31 Jan 25
Equity Sector Allocation
Sector Value Financial Services 29.68% Basic Materials 15.28% Technology 12.9% Industrials 12.63% Consumer Cyclical 8.42% Consumer Defensive 6.39% Real Estate 4.25% Energy 3.01% Communication Services 2.24% Utility 1.91% Health Care 1.8% Asset Allocation
Asset Class Value Cash 1.47% Equity 98.53% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 30 Apr 11 | ICICIBANK4% ₹549 Cr 4,382,100 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 30 Sep 23 | MCX4% ₹458 Cr 798,650 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | HDFCBANK4% ₹457 Cr 2,691,300 Tech Mahindra Ltd (Technology)
Equity, Since 30 Nov 21 | 5327553% ₹383 Cr 2,284,900 Wipro Ltd (Technology)
Equity, Since 31 Jan 24 | 5076853% ₹338 Cr 10,851,100
↑ 1,144,300 Infosys Ltd (Technology)
Equity, Since 31 Dec 10 | INFY2% ₹320 Cr 1,702,400 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 15 | RELIANCE2% ₹319 Cr 2,522,806 Karur Vysya Bank Ltd (Financial Services)
Equity, Since 31 Oct 22 | 5900032% ₹314 Cr 13,164,300 Paradeep Phosphates Ltd (Basic Materials)
Equity, Since 30 Sep 23 | 5435302% ₹303 Cr 26,832,297 The Federal Bank Ltd (Financial Services)
Equity, Since 31 Oct 20 | FEDERALBNK2% ₹301 Cr 16,063,900 5. L&T Emerging Businesses Fund
CAGR/Annualized return of 19.8% since its launch. Ranked 2 in Small Cap category. Return for 2024 was 28.5% , 2023 was 46.1% and 2022 was 1% . L&T Emerging Businesses Fund
Growth Launch Date 12 May 14 NAV (07 Mar 25) ₹70.4511 ↑ 0.23 (0.32 %) Net Assets (Cr) ₹17,386 on 31 Dec 24 Category Equity - Small Cap AMC L&T Investment Management Ltd Rating ☆☆☆☆☆ Risk High Expense Ratio 1.73 Sharpe Ratio 1.32 Information Ratio 0.19 Alpha Ratio 3.87 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 29 Feb 20 ₹10,000 28 Feb 21 ₹13,360 28 Feb 22 ₹19,560 28 Feb 23 ₹21,407 29 Feb 24 ₹32,546 28 Feb 25 ₹30,656 Returns for L&T Emerging Businesses Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Mar 25 Duration Returns 1 Month -10.5% 3 Month -22.8% 6 Month -19.7% 1 Year 0.3% 3 Year 19.6% 5 Year 26.9% 10 Year 15 Year Since launch 19.8% 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 31 Dec 24
Equity Sector Allocation
Sector Value Industrials 27.7% Consumer Cyclical 16.29% Financial Services 14.59% Basic Materials 10.53% Technology 9.98% Real Estate 5.2% Health Care 4.47% Consumer Defensive 3.38% Energy 1.4% Asset Allocation
Asset Class Value Cash 3.74% Equity 96.26% Top Securities Holdings / Portfolio
Name Holding Value Quantity BSE Ltd (Financial Services)
Equity, Since 29 Feb 24 | BSE3% ₹452 Cr 852,600 Neuland Laboratories Limited
Equity, Since 31 Jan 24 | -3% ₹422 Cr 299,000 Aditya Birla Real Estate Ltd (Basic Materials)
Equity, Since 30 Sep 22 | 5000402% ₹344 Cr 1,595,574
↓ -11,705 K.P.R. Mill Ltd (Consumer Cyclical)
Equity, Since 28 Feb 15 | KPRMILL2% ₹306 Cr 3,286,897 Brigade Enterprises Ltd (Real Estate)
Equity, Since 31 Jul 19 | 5329292% ₹293 Cr 2,499,622
↓ -132,457 NCC Ltd (Industrials)
Equity, Since 28 Feb 21 | NCC2% ₹285 Cr 11,291,100 Karur Vysya Bank Ltd (Financial Services)
Equity, Since 31 Oct 22 | 5900032% ₹284 Cr 11,912,400 Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Jan 20 | AMBER2% ₹273 Cr 420,449 Time Technoplast Ltd (Consumer Cyclical)
Equity, Since 31 Jan 24 | TIMETECHNO2% ₹273 Cr 6,810,500 Techno Electric & Engineering Co Ltd (Industrials)
Equity, Since 31 Jan 19 | TECHNOE2% ₹267 Cr 2,473,042 6. BNP Paribas Multi Cap Fund
CAGR/Annualized return of 12.9% since its launch. Ranked 18 in Multi Cap category. . BNP Paribas Multi Cap Fund
Growth Launch Date 15 Sep 05 NAV (13 Mar 22) ₹73.5154 ↓ -0.01 (-0.01 %) Net Assets (Cr) ₹588 on 31 Jan 22 Category Equity - Multi Cap AMC BNP Paribas Asset Mgmt India Pvt. Ltd Rating ☆☆☆☆ Risk Moderately High Expense Ratio 2.44 Sharpe Ratio 2.86 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹12,327 28 Feb 22 ₹15,311 Returns for BNP Paribas Multi Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Mar 25 Duration Returns 1 Month -4.4% 3 Month -4.6% 6 Month -2.6% 1 Year 19.3% 3 Year 17.3% 5 Year 13.6% 10 Year 15 Year Since launch 12.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Fund Manager information for BNP Paribas Multi Cap Fund
Name Since Tenure Data below for BNP Paribas Multi Cap Fund as on 31 Jan 22
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 7. L&T Tax Advantage Fund
CAGR/Annualized return of 13.9% since its launch. Ranked 7 in ELSS category. Return for 2024 was 33% , 2023 was 28.4% and 2022 was -3% . L&T Tax Advantage Fund
Growth Launch Date 27 Feb 06 NAV (07 Mar 25) ₹118.258 ↓ -0.01 (-0.01 %) Net Assets (Cr) ₹3,977 on 31 Jan 25 Category Equity - ELSS AMC L&T Investment Management Ltd Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.89 Sharpe Ratio 0.78 Information Ratio 0.4 Alpha Ratio 7.82 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹12,410 28 Feb 22 ₹14,344 28 Feb 23 ₹14,632 29 Feb 24 ₹20,287 28 Feb 25 ₹21,507 Returns for L&T Tax Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Mar 25 Duration Returns 1 Month -5.7% 3 Month -15% 6 Month -11.7% 1 Year 8.9% 3 Year 18.2% 5 Year 17.9% 10 Year 15 Year Since launch 13.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 33% 2023 28.4% 2022 -3% 2021 30.3% 2020 13.5% 2019 4.6% 2018 -8.1% 2017 42.3% 2016 8.1% 2015 2.9% Fund Manager information for L&T Tax Advantage Fund
Name Since Tenure Gautam Bhupal 26 Nov 22 2.26 Yr. Sonal Gupta 21 Jul 21 3.61 Yr. Abhishek Gupta 1 Mar 24 1 Yr. Data below for L&T Tax Advantage Fund as on 31 Jan 25
Equity Sector Allocation
Sector Value Financial Services 23.48% Consumer Cyclical 19.36% Industrials 18.01% Technology 12.24% Basic Materials 6.44% Health Care 5.83% Energy 4.19% Utility 3.21% Consumer Defensive 3.2% Communication Services 1.91% Real Estate 1.51% Asset Allocation
Asset Class Value Cash 0.62% Equity 99.38% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 06 | HDFCBANK5% ₹197 Cr 1,162,500 Infosys Ltd (Technology)
Equity, Since 31 Mar 06 | INFY4% ₹146 Cr 774,900 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Jun 09 | ICICIBANK4% ₹145 Cr 1,155,500 Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 21 | RELIANCE3% ₹120 Cr 951,812 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Jul 22 | LT3% ₹108 Cr 301,450 Persistent Systems Ltd (Technology)
Equity, Since 31 Jul 21 | PERSISTENT2% ₹97 Cr 160,000 State Bank of India (Financial Services)
Equity, Since 31 Jan 19 | SBIN2% ₹76 Cr 984,432 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 24 | BHARTIARTL2% ₹76 Cr 467,000 Trent Ltd (Consumer Cyclical)
Equity, Since 30 Nov 23 | 5002512% ₹74 Cr 128,900 Shriram Finance Ltd (Financial Services)
Equity, Since 30 Jun 23 | SHRIRAMFIN2% ₹70 Cr 1,291,500 8. UTI Regular Savings Fund
CAGR/Annualized return of 9.3% since its launch. Ranked 10 in Hybrid Debt category. Return for 2024 was 11.6% , 2023 was 11.3% and 2022 was 3.3% . UTI Regular Savings Fund
Growth Launch Date 16 Dec 03 NAV (07 Mar 25) ₹65.9153 ↓ -0.02 (-0.03 %) Net Assets (Cr) ₹1,633 on 31 Jan 25 Category Hybrid - Hybrid Debt AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.81 Sharpe Ratio 0.93 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹11,387 28 Feb 22 ₹12,793 28 Feb 23 ₹13,265 29 Feb 24 ₹15,080 28 Feb 25 ₹16,291 Returns for UTI Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Mar 25 Duration Returns 1 Month -1.1% 3 Month -1.8% 6 Month -0.6% 1 Year 8.2% 3 Year 9.2% 5 Year 10.6% 10 Year 15 Year Since launch 9.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 11.6% 2023 11.3% 2022 3.3% 2021 13.2% 2020 10.2% 2019 2.8% 2018 3.4% 2017 12.5% 2016 8.9% 2015 7.1% Fund Manager information for UTI Regular Savings Fund
Name Since Tenure Amit Premchandani 8 Jan 22 3.14 Yr. Jaydeep Bhowal 17 Apr 23 1.87 Yr. Data below for UTI Regular Savings Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 4.27% Equity 22.52% Debt 72.94% Other 0.27% Equity Sector Allocation
Sector Value Financial Services 7.4% Technology 2.72% Consumer Cyclical 2.71% Basic Materials 2.34% Health Care 1.89% Communication Services 1.38% Energy 1.26% Industrials 1.15% Consumer Defensive 0.77% Utility 0.57% Real Estate 0.33% Debt Sector Allocation
Sector Value Government 46.55% Corporate 26.39% Cash Equivalent 4.27% Credit Quality
Rating Value AA 2.11% AAA 97.89% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2037
Sovereign Bonds | -13% ₹206 Cr 2,000,000,000
↓ -250,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -13% ₹205 Cr 2,000,000,000
↑ 500,000,000 7.34% Govt Stock 2064
Sovereign Bonds | -6% ₹104 Cr 1,000,000,000
↑ 300,000,000 7.18% Govt Stock 2033
Sovereign Bonds | -5% ₹77 Cr 750,000,000
↓ -850,000,000 Rural Electrification Corporation Limited
Debentures | -5% ₹77 Cr 7,500 Power Finance Corporation Ltd.
Debentures | -5% ₹76 Cr 7,500 7.23% Govt Stock 2039
Sovereign Bonds | -3% ₹52 Cr 500,000,000 HDFC Bank Limited
Debentures | -3% ₹52 Cr 5,000 LIC Housing Finance Limited
Debentures | -3% ₹50 Cr 500 6.79% Govt Stock 2034
Sovereign Bonds | -3% ₹50 Cr 500,000,000 9. UTI Money Market Fund
CAGR/Annualized return of 7.3% since its launch. Ranked 23 in Money Market category. Return for 2024 was 7.7% , 2023 was 7.4% and 2022 was 4.9% . UTI Money Market Fund
Growth Launch Date 13 Jul 09 NAV (07 Mar 25) ₹3,001.28 ↑ 0.47 (0.02 %) Net Assets (Cr) ₹17,810 on 31 Jan 25 Category Debt - Money Market AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.27 Sharpe Ratio 3.51 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.51% Effective Maturity 6 Months 1 Day Modified Duration 6 Months 1 Day Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,560 28 Feb 22 ₹10,970 28 Feb 23 ₹11,555 29 Feb 24 ₹12,438 28 Feb 25 ₹13,387 Returns for UTI Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Mar 25 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.6% 1 Year 7.6% 3 Year 6.9% 5 Year 6% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.7% 2023 7.4% 2022 4.9% 2021 3.7% 2020 6% 2019 8% 2018 7.8% 2017 6.7% 2016 7.7% 2015 8.4% Fund Manager information for UTI Money Market Fund
Name Since Tenure Anurag Mittal 1 Dec 21 3.25 Yr. Amit Sharma 7 Jul 17 7.65 Yr. Data below for UTI Money Market Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 97.72% Debt 2.05% Other 0.23% Debt Sector Allocation
Sector Value Cash Equivalent 63.12% Corporate 30.43% Government 6.22% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 18102024
Sovereign Bonds | -6% ₹1,032 Cr 10,350,000,000 182 DTB 27062025
Sovereign Bonds | -1% ₹195 Cr 2,000,000,000 India (Republic of)
- | -1% ₹188 Cr 2,000,000,000
↑ 2,000,000,000 India (Republic of)
- | -1% ₹173 Cr 1,750,000,000 7.52% GJ Sdl 08/03/2025
Sovereign Bonds | -1% ₹100 Cr 1,000,000,000 364 DTB
Sovereign Bonds | -0% ₹49 Cr 500,000,000 CORPORATE DEBT MARKET DEVT FUND - A2 UNITS
Investment Fund | -0% ₹43 Cr 39,382 08.05 GJ Sdl 2025feb
Sovereign Bonds | -0% ₹20 Cr 200,000,000 Net Current Assets
Net Current Assets | -8% ₹1,490 Cr Indian Bank
Certificate of Deposit | -2% ₹466 Cr 5,000,000,000
↑ 5,000,000,000 10. UTI Treasury Advantage Fund
CAGR/Annualized return of 7.2% since its launch. Ranked 15 in Low Duration category. Return for 2024 was 7.7% , 2023 was 7.1% and 2022 was 4.5% . UTI Treasury Advantage Fund
Growth Launch Date 23 Apr 07 NAV (07 Mar 25) ₹3,448.49 ↑ 0.57 (0.02 %) Net Assets (Cr) ₹3,348 on 31 Jan 25 Category Debt - Low Duration AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.44 Sharpe Ratio 2.24 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.62% Effective Maturity 11 Months 19 Days Modified Duration 10 Months 10 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,634 28 Feb 22 ₹11,619 28 Feb 23 ₹12,185 29 Feb 24 ₹13,088 28 Feb 25 ₹14,076 Returns for UTI Treasury Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Mar 25 Duration Returns 1 Month 0.4% 3 Month 1.6% 6 Month 3.5% 1 Year 7.5% 3 Year 6.6% 5 Year 7.1% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.7% 2023 7.1% 2022 4.5% 2021 9% 2020 7.3% 2019 -4.2% 2018 7.3% 2017 7% 2016 8.9% 2015 8.8% Fund Manager information for UTI Treasury Advantage Fund
Name Since Tenure Anurag Mittal 1 Dec 21 3.25 Yr. Data below for UTI Treasury Advantage Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 54.9% Debt 44.82% Other 0.28% Debt Sector Allocation
Sector Value Corporate 50.7% Cash Equivalent 40.45% Government 8.58% Credit Quality
Rating Value AA 8.54% AAA 91.46% Top Securities Holdings / Portfolio
Name Holding Value Quantity Power Finance Corporation Limited
Debentures | -4% ₹147 Cr 1,500 Bajaj Housing Finance Limited
Debentures | -4% ₹125 Cr 1,250 National Bank For Agriculture And Rural Development
Debentures | -3% ₹100 Cr 10,000
↓ -5,000 Rural Electrification Corporation Limited
Debentures | -3% ₹100 Cr 10,000 Nirma Limited
Debentures | -2% ₹75 Cr 7,500 INDIA UNIVERSAL TRUST AL1
Unlisted bonds | -2% ₹60 Cr 75 Rec Limited
Debentures | -2% ₹50 Cr 5,000 Aditya Birla Renewables Limited
Debentures | -2% ₹50 Cr 5,000 Export Import Bank Of India
Debentures | -2% ₹50 Cr 500 LIC Housing Finance Limited
Debentures | -2% ₹50 Cr 500
How to Invest in Mutual Funds Online?
Open Free Investment Account for Lifetime at Fincash.com.
Complete your Registration and KYC Process
Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
AMFI Registration No. 112358 | CIN: U74999MH2016PTC282153
Shepard Technologies Pvt. Ltd. (with ARN code 112358) makes no warranties or representations, express or implied, on products offered through the platform. It accepts no liability for any damages or losses, however caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable.
©2025 Shepard Technologies Private Limited. All Rights Reserved