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Fincash » Mutual Funds » SIP Vs FD

SIP Vs FD

Updated on November 4, 2024 , 20030 views

Which is a Better Investment Option?

Individuals are always in a catch 22 situation when it comes to choosing between FD and SIP for investment. SIP is a mode of investment in Mutual Funds through which individuals can deposit small amounts at regular intervals. FD, on the other hand, is an investment avenue where people deposit a certain amount for a fixed tenure and get back the amount with interest during maturity. So, let us understand which is better between FD and SIP, SIP return calculator, Top SIP to invest, and much more.

What is a Systematic Investment Plan or SIP?

Systematic Investment plan or SIP is an investment mode in Mutual Funds which allows people to deposit small amount at regular intervals. SIP can also be referred to as a goal-based investment. SIP is one of the beauties of Mutual Funds through which people can invest as per their convenience. Through SIP people can plan to achieve many objectives like purchasing a house, purchasing a vehicle, planning for higher education, and much more. Though SIP mode of investment is available in many schemes, however, it is generally referred in the context of Equity Funds.

SIP VS FD

People can start their SIP investment with the amount as low as INR 500.

What is a Fixed Deposit or FD?

Fixed Deposit of FD refers to an investment avenue which is generally offered by banks and Post Office. In case of FD, people need to deposit a considerable amount as a one-time payment for a fixed time frame. Here, people get back their investment amount at the end of the tenure. However, people cannot break the FD during the tenure and if they try to break they need to pay some charges to the Bank. The FD Income earns interest on the investment. This interest income earned is taxable in the hands of investors.

Which One to Choose?

Since SIP is an investment mode in Mutual Funds while FD is an investment avenue it itself; both of them show different characteristics. So, let us understand the differences between both of them.

Minimum Investment

The minimum investment in Mutual Funds through SIP mode of investment starts with INR 500. Therefore, it can be ensured that it does not pinch people’s pockets much. Moreover, the frequency of SIP can also be set as monthly or quarterly as per people’s convenience. On the other hand, in FD the minimum investment amount ranges between INR 1,000-10,0000. Since FD investment is through lump sum mode, therefore, people do not keep on Investing the amount.

Tenure

FDs being a traditional investment avenue are considered for both short-term and long-term investment. The tenure of FD can be 6 months, 1 year and can go up to 5 years. On the contrary, SIP is generally chosen for long-term investment. Since SIP is generally referred in the context of equity funds, the long-term investment would help you to earn maximum revenues. In addition, people can enjoy maximum benefits if they are held longer.

Returns

The returns on FD is fixed in the form of interest which does not change over a period of time. For the Financial Year 2017-18, the FD rates Range between 6%-7% approximately if the investment is kept for one year. On the contrary, in case of SIP, the returns are not fixed as the returns are dependent on the performance of the Underlying equity shares. However, if the Mutual Funds are held for a period of more than five years have given historical returns of more than 15%.

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Risk Appetite

The risk-appetite of FD is considered to be less as compared to SIP. FDs are generally offered by banks. On the other hand, the risk appetite of SIP is more than the FD. However, if the SIP is held for a longer-tenure, the probabilities of loss reduces.

Liquidity

The liquidity in case of SIP is more as compared to FD. In case of SIP, if people redeem their investment they can get the money back in T+3 days for equity funds. However, in case of Debt fund, the settlement period is T+1 days. However, in case of fixed deposits, it is not easy to redeem it. Even if people try for premature withdrawals, they need to pay some charges to the bank.

Taxation

The taxation rules in case of Mutual Funds and FDs both are different. In case of FDs, for the Financial year 2017-18, the interest earned is charged as per the individual’s regular tax slabs. However, as SIP is generally with respect to equity funds, therefore the tax rules related to equity funds are explained as follows.

For the Financial Year 2017-18, if the equity funds are sold after one year from the date of purchase, they are applicable for long-term Capital gains which is not taxable. However, if these funds are sold before one year from the date of purchase then; it is subject to short-term Capital Gain which is charged at a Flat rate of 15% irrespective of the individual’s tax slab.

Characteristics

SIP has a lot of features such as rupee cost averaging, the Power of Compounding, and so on, which is not available in case of an FD. So, let us see what do these characteristics mean.

1. Rupee Cost Averaging

In case of SIP, people invest in Mutual Fund units at regular time periods when the markets are showing different price behaviour. Therefore, when the markets are showing a downtrend, people can purchase more units and vice versa. Therefore, the purchase price of units gets averaged out due to SIP. However, in case of FD, this feature is not available as the amount is deposited for only one time.

2. Power of Compounding

SIP is applicable to compounding. Compounding refers to the compound interest where the interest amount is calculated on the principal amount and already accumulated interest. In case of FD, the interest amount is also subject to compounding.

3. Disciplined Savings Habit

SIP develops disciplined savings habit among individuals as people need to deposit money at regular intervals. On the contrary, in FD as people deposit the money only once, they may or may not develop a disciplined savings habit.

The table given below summarizes the differences between SIP and Fixed Deposits.

Parameters SIP Fixed Deposits
Returns Varies as per the Fund’s performance Predetermined
Minimum Investment Starts from INR 500 Ranges between INR 1,000 – 10,000
Tenure Generally used for long-term Both Short and Long-term tenure
Risk High Low
Liquidity High Low
Taxation Short-term: Taxed at a Flat Rate of 15% Long-term: Not Taxed Taxed as per individual’s slab rates
Features Rupee Cost Averaging, Power of Compounding, & Disciplined Savings Habit Power of Compounding

Best SIP to Invest for FY 24 - 25

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2023 (%)
IDFC Infrastructure Fund Growth ₹53.451
↑ 1.22
₹1,906 100 -1.515.464.628.730.750.3
Franklin Build India Fund Growth ₹143.503
↑ 2.11
₹2,908 500 3.410.253.328.628.351.1
Motilal Oswal Multicap 35 Fund Growth ₹61.0422
↑ 1.61
₹12,564 500 10.421.252.119.817.831
Invesco India Growth Opportunities Fund Growth ₹93.61
↑ 1.91
₹6,493 100 7.718.950.720.421.131.6
L&T India Value Fund Growth ₹110.065
↑ 1.74
₹14,123 500 5.914.646.32325.439.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 6 Nov 24

1. IDFC Infrastructure Fund

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

IDFC Infrastructure Fund is a Equity - Sectoral fund was launched on 8 Mar 11. It is a fund with High risk and has given a CAGR/Annualized return of 13% since its launch.  Ranked 1 in Sectoral category.  Return for 2023 was 50.3% , 2022 was 1.7% and 2021 was 64.8% .

Below is the key information for IDFC Infrastructure Fund

IDFC Infrastructure Fund
Growth
Launch Date 8 Mar 11
NAV (06 Nov 24) ₹53.451 ↑ 1.22   (2.34 %)
Net Assets (Cr) ₹1,906 on 30 Sep 24
Category Equity - Sectoral
AMC IDFC Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.33
Sharpe Ratio 3.17
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.

DateValue
31 Oct 19₹10,000
31 Oct 20₹8,539
31 Oct 21₹17,121
31 Oct 22₹17,400
31 Oct 23₹22,341
31 Oct 24₹36,843

IDFC Infrastructure Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹642,208.
Net Profit of ₹342,208
Invest Now

Returns for IDFC Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Nov 24

DurationReturns
1 Month -2%
3 Month -1.5%
6 Month 15.4%
1 Year 64.6%
3 Year 28.7%
5 Year 30.7%
10 Year
15 Year
Since launch 13%
Historical performance (Yearly) on absolute basis
YearReturns
2023 50.3%
2022 1.7%
2021 64.8%
2020 6.3%
2019 -5.3%
2018 -25.9%
2017 58.7%
2016 10.7%
2015 -0.2%
2014 43.2%
Fund Manager information for IDFC Infrastructure Fund
NameSinceTenure
Vishal Biraia24 Jan 240.69 Yr.
Ritika Behera7 Oct 230.99 Yr.
Gaurav Satra7 Jun 240.32 Yr.

Data below for IDFC Infrastructure Fund as on 30 Sep 24

Equity Sector Allocation
SectorValue
Industrials52.47%
Utility10.82%
Basic Materials10.6%
Communication Services6.43%
Energy3.99%
Consumer Cyclical3.87%
Financial Services3.58%
Technology2.29%
Health Care1.41%
Asset Allocation
Asset ClassValue
Cash4.54%
Equity95.46%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Dec 17 | 500241
4%₹80 Cr443,385
↑ 8,933
GPT Infraprojects Ltd (Industrials)
Equity, Since 30 Nov 17 | 533761
4%₹77 Cr4,384,900
↑ 1,145,000
PTC India Financial Services Ltd (Financial Services)
Equity, Since 31 Dec 23 | PFS
4%₹70 Cr12,200,218
↑ 1,724,925
Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 24 | 500325
3%₹68 Cr226,353
↑ 65,263
Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 Dec 23 | 532921
3%₹64 Cr434,979
Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 12 | 500510
3%₹64 Cr171,447
Ahluwalia Contracts (India) Ltd (Industrials)
Equity, Since 30 Apr 15 | AHLUCONT
3%₹60 Cr470,125
↑ 38,887
Indus Towers Ltd Ordinary Shares (Communication Services)
Equity, Since 31 Dec 23 | 534816
3%₹57 Cr1,252,522
↓ -58,513
H.G. Infra Engineering Ltd Ordinary Shares (Industrials)
Equity, Since 28 Feb 18 | HGINFRA
3%₹50 Cr321,984
↑ 190,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 19 | 532454
2%₹46 Cr289,163

2. Franklin Build India Fund

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

Franklin Build India Fund is a Equity - Sectoral fund was launched on 4 Sep 09. It is a fund with High risk and has given a CAGR/Annualized return of 19.2% since its launch.  Ranked 4 in Sectoral category.  Return for 2023 was 51.1% , 2022 was 11.2% and 2021 was 45.9% .

Below is the key information for Franklin Build India Fund

Franklin Build India Fund
Growth
Launch Date 4 Sep 09
NAV (06 Nov 24) ₹143.503 ↑ 2.11   (1.49 %)
Net Assets (Cr) ₹2,908 on 30 Sep 24
Category Equity - Sectoral
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk High
Expense Ratio 2.13
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.

DateValue
31 Oct 19₹10,000
31 Oct 20₹8,334
31 Oct 21₹15,702
31 Oct 22₹17,178
31 Oct 23₹21,883
31 Oct 24₹34,301

Franklin Build India Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹612,552.
Net Profit of ₹312,552
Invest Now

Returns for Franklin Build India Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Nov 24

DurationReturns
1 Month 0.2%
3 Month 3.4%
6 Month 10.2%
1 Year 53.3%
3 Year 28.6%
5 Year 28.3%
10 Year
15 Year
Since launch 19.2%
Historical performance (Yearly) on absolute basis
YearReturns
2023 51.1%
2022 11.2%
2021 45.9%
2020 5.4%
2019 6%
2018 -10.7%
2017 43.3%
2016 8.4%
2015 2.1%
2014 93.8%
Fund Manager information for Franklin Build India Fund
NameSinceTenure
Ajay Argal18 Oct 212.96 Yr.
Kiran Sebastian7 Feb 222.65 Yr.
Sandeep Manam18 Oct 212.96 Yr.

Data below for Franklin Build India Fund as on 30 Sep 24

Equity Sector Allocation
SectorValue
Industrials37.61%
Financial Services13.38%
Energy10.6%
Utility10.07%
Communication Services7.62%
Basic Materials7%
Real Estate4.43%
Consumer Cyclical3.76%
Technology1.84%
Asset Allocation
Asset ClassValue
Cash3.69%
Equity96.31%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 20 | LT
9%₹265 Cr720,000
NTPC Ltd (Utilities)
Equity, Since 30 Nov 16 | 532555
6%₹174 Cr3,930,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 12 | ICICIBANK
5%₹153 Cr1,200,000
Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 30 Jun 19 | 500312
5%₹134 Cr4,500,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 21 | RELIANCE
4%₹130 Cr440,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 09 | BHARTIARTL
4%₹121 Cr710,000
Power Grid Corp Of India Ltd (Utilities)
Equity, Since 28 Feb 21 | 532898
4%₹119 Cr3,365,000
Kirloskar Pneumatic Co Ltd (Industrials)
Equity, Since 31 Aug 22 | 505283
4%₹107 Cr807,847
Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 31 Mar 22 | MCX
4%₹102 Cr180,000
Sobha Ltd (Real Estate)
Equity, Since 31 Aug 17 | SOBHA
3%₹94 Cr485,000

3. Motilal Oswal Multicap 35 Fund

(Erstwhile Motilal Oswal MOSt Focused Multicap 35 Fund)

The investment objective of the Scheme is to achieve long term capital appreciation by primarily investing in a maximum of 35 equity & equity related instruments across sectors and market-capitalization levels.However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved.

Motilal Oswal Multicap 35 Fund is a Equity - Multi Cap fund was launched on 28 Apr 14. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 18.7% since its launch.  Ranked 5 in Multi Cap category.  Return for 2023 was 31% , 2022 was -3% and 2021 was 15.3% .

Below is the key information for Motilal Oswal Multicap 35 Fund

Motilal Oswal Multicap 35 Fund
Growth
Launch Date 28 Apr 14
NAV (06 Nov 24) ₹61.0422 ↑ 1.61   (2.71 %)
Net Assets (Cr) ₹12,564 on 30 Sep 24
Category Equity - Multi Cap
AMC Motilal Oswal Asset Management Co. Ltd
Rating
Risk Moderately High
Expense Ratio 0.94
Sharpe Ratio 4.26
Information Ratio 0.33
Alpha Ratio 22.06
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.

DateValue
31 Oct 19₹10,000
31 Oct 20₹9,454
31 Oct 21₹12,879
31 Oct 22₹12,784
31 Oct 23₹14,304
31 Oct 24₹21,891

Motilal Oswal Multicap 35 Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047
Invest Now

Returns for Motilal Oswal Multicap 35 Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Nov 24

DurationReturns
1 Month -1.4%
3 Month 10.4%
6 Month 21.2%
1 Year 52.1%
3 Year 19.8%
5 Year 17.8%
10 Year
15 Year
Since launch 18.7%
Historical performance (Yearly) on absolute basis
YearReturns
2023 31%
2022 -3%
2021 15.3%
2020 10.3%
2019 7.9%
2018 -7.8%
2017 43.1%
2016 8.5%
2015 14.6%
2014
Fund Manager information for Motilal Oswal Multicap 35 Fund
NameSinceTenure
Ajay Khandelwal1 Oct 240 Yr.
Niket Shah1 Jul 222.25 Yr.
Santosh Singh1 Aug 231.17 Yr.
Rakesh Shetty22 Nov 221.86 Yr.
Atul Mehra1 Oct 240 Yr.
Sunil Sawant1 Jul 240.25 Yr.

Data below for Motilal Oswal Multicap 35 Fund as on 30 Sep 24

Equity Sector Allocation
SectorValue
Consumer Cyclical18.64%
Technology16.55%
Financial Services16.45%
Industrials16.34%
Communication Services9.29%
Asset Allocation
Asset ClassValue
Cash22.75%
Equity77.25%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 30 Sep 23 | KALYANKJIL
10%₹1,268 Cr17,363,181
↓ -1,136,819
Jio Financial Services Ltd (Financial Services)
Equity, Since 31 Jul 23 | JIOFIN
9%₹1,121 Cr31,971,347
↓ -528,653
Persistent Systems Ltd (Technology)
Equity, Since 31 Mar 23 | PERSISTENT
8%₹1,022 Cr1,875,000
↓ -44,829
Polycab India Ltd (Industrials)
Equity, Since 31 Jan 24 | POLYCAB
8%₹974 Cr1,400,000
↑ 84,270
Coforge Ltd (Technology)
Equity, Since 31 May 23 | COFORGE
7%₹912 Cr1,300,000
↑ 50,000
Bharti Airtel Ltd (Partly Paid Rs.1.25) (Communication Services)
Equity, Since 30 Apr 24 | 890157
5%₹654 Cr5,000,000
↑ 175,000
Cholamandalam Investment and Finance Co Ltd (Financial Services)
Equity, Since 31 Mar 23 | CHOLAFIN
5%₹627 Cr3,900,000
Trent Ltd (Consumer Cyclical)
Equity, Since 31 Jan 23 | 500251
5%₹568 Cr750,000
↓ -850,000
Tube Investments of India Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | TIINDIA
4%₹542 Cr1,250,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 24 | BHARTIARTL
4%₹513 Cr3,000,000

4. Invesco India Growth Opportunities Fund

(Erstwhile Invesco India Growth Fund)

The investment objective of the Scheme is to generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities. However, there can be no assurance that the objectives of the scheme will be achieved.

Invesco India Growth Opportunities Fund is a Equity - Large & Mid Cap fund was launched on 9 Aug 07. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 13.8% since its launch.  Ranked 6 in Large & Mid Cap category.  Return for 2023 was 31.6% , 2022 was -0.4% and 2021 was 29.7% .

Below is the key information for Invesco India Growth Opportunities Fund

Invesco India Growth Opportunities Fund
Growth
Launch Date 9 Aug 07
NAV (06 Nov 24) ₹93.61 ↑ 1.91   (2.08 %)
Net Assets (Cr) ₹6,493 on 30 Sep 24
Category Equity - Large & Mid Cap
AMC Invesco Asset Management (India) Private Ltd
Rating
Risk Moderately High
Expense Ratio 1.88
Sharpe Ratio 3.89
Information Ratio 0.47
Alpha Ratio 16.85
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.

DateValue
31 Oct 19₹10,000
31 Oct 20₹9,722
31 Oct 21₹14,626
31 Oct 22₹14,737
31 Oct 23₹16,628
31 Oct 24₹25,371

Invesco India Growth Opportunities Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033
Invest Now

Returns for Invesco India Growth Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Nov 24

DurationReturns
1 Month -1.7%
3 Month 7.7%
6 Month 18.9%
1 Year 50.7%
3 Year 20.4%
5 Year 21.1%
10 Year
15 Year
Since launch 13.8%
Historical performance (Yearly) on absolute basis
YearReturns
2023 31.6%
2022 -0.4%
2021 29.7%
2020 13.3%
2019 10.7%
2018 -0.2%
2017 39.6%
2016 3.3%
2015 3.8%
2014 43.7%
Fund Manager information for Invesco India Growth Opportunities Fund
NameSinceTenure
Aditya Khemani9 Nov 230.9 Yr.
Amit Ganatra21 Jan 222.7 Yr.

Data below for Invesco India Growth Opportunities Fund as on 30 Sep 24

Equity Sector Allocation
SectorValue
Financial Services27.46%
Consumer Cyclical22.31%
Industrials12.47%
Health Care9.92%
Real Estate8.24%
Technology8.18%
Basic Materials6.37%
Communication Services2.19%
Consumer Defensive1.93%
Asset Allocation
Asset ClassValue
Cash0.93%
Equity99.07%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 15 | ICICIBANK
5%₹312 Cr2,454,192
Axis Bank Ltd (Financial Services)
Equity, Since 31 Dec 23 | 532215
5%₹311 Cr2,526,752
Trent Ltd (Consumer Cyclical)
Equity, Since 28 Feb 22 | 500251
4%₹262 Cr346,233
Cholamandalam Investment and Finance Co Ltd (Financial Services)
Equity, Since 28 Feb 23 | CHOLAFIN
4%₹260 Cr1,619,818
↓ -63,991
Prestige Estates Projects Ltd (Real Estate)
Equity, Since 31 Dec 23 | PRESTIGE
4%₹241 Cr1,303,411
The Federal Bank Ltd (Financial Services)
Equity, Since 30 Nov 22 | FEDERALBNK
3%₹198 Cr10,039,804
↑ 1,695,955
TVS Motor Co Ltd (Consumer Cyclical)
Equity, Since 31 Aug 22 | 532343
3%₹197 Cr692,520
↑ 132,897
InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Mar 24 | INDIGO
3%₹197 Cr410,552
↓ -75,305
Max Healthcare Institute Ltd Ordinary Shares (Healthcare)
Equity, Since 30 Nov 22 | MAXHEALTH
3%₹196 Cr1,993,259
L&T Finance Ltd (Financial Services)
Equity, Since 30 Apr 24 | LTF
3%₹195 Cr10,488,917
↑ 1,490,183

5. L&T India Value Fund

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 CAGR/Annualized return of 17.6% since its launch.  Ranked 4 in Value category.  Return for 2023 was 39.4% , 2022 was 5.2% and 2021 was 40.3% .

Below is the key information for L&T India Value Fund

L&T India Value Fund
Growth
Launch Date 8 Jan 10
NAV (06 Nov 24) ₹110.065 ↑ 1.74   (1.61 %)
Net Assets (Cr) ₹14,123 on 30 Sep 24
Category Equity - Value
AMC L&T Investment Management Ltd
Rating
Risk Moderately High
Expense Ratio 1.77
Sharpe Ratio 2.93
Information Ratio 1.42
Alpha Ratio 7.11
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.

DateValue
31 Oct 19₹10,000
31 Oct 20₹9,922
31 Oct 21₹16,437
31 Oct 22₹16,856
31 Oct 23₹20,659
31 Oct 24₹30,461

L&T India Value Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326
Invest Now

Returns for L&T India Value Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Nov 24

DurationReturns
1 Month 0%
3 Month 5.9%
6 Month 14.6%
1 Year 46.3%
3 Year 23%
5 Year 25.4%
10 Year
15 Year
Since launch 17.6%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2014 74.1%
Fund Manager information for L&T India Value Fund
NameSinceTenure
Venugopal Manghat24 Nov 1211.86 Yr.
Gautam Bhupal1 Oct 231 Yr.
Sonal Gupta1 Oct 231 Yr.

Data below for L&T India Value Fund as on 30 Sep 24

Equity Sector Allocation
SectorValue
Financial Services24.74%
Basic Materials16.59%
Industrials15.25%
Technology9.96%
Consumer Cyclical7.94%
Consumer Defensive6.42%
Real Estate4.86%
Utility4.08%
Energy3.21%
Communication Services2.04%
Health Care2.01%
Asset Allocation
Asset ClassValue
Cash2.9%
Equity97.1%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
NTPC Ltd (Utilities)
Equity, Since 30 Apr 22 | 532555
4%₹577 Cr13,014,200
↓ -694,800
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Apr 11 | ICICIBANK
4%₹558 Cr4,382,100
Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 30 Sep 23 | MCX
3%₹452 Cr798,650
KEC International Ltd (Industrials)
Equity, Since 28 Feb 17 | 532714
3%₹404 Cr3,887,970
Jindal Stainless Ltd (Basic Materials)
Equity, Since 31 Jul 21 | JSL
3%₹399 Cr5,047,000
↓ -429,370
The Federal Bank Ltd (Financial Services)
Equity, Since 31 Oct 20 | FEDERALBNK
2%₹316 Cr16,063,900
Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 31 Jul 20 | M&M
2%₹310 Cr1,002,600
↓ -192,800
Tech Mahindra Ltd (Technology)
Equity, Since 30 Nov 21 | 532755
2%₹298 Cr1,889,334
↑ 429,834
Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 15 | RELIANCE
2%₹295 Cr998,200
State Bank of India (Financial Services)
Equity, Since 30 Nov 20 | SBIN
2%₹290 Cr3,682,400
↓ -2,084,500

SIP Return Calculator

The returns of SIP keep on varying. However, assuming the historical rate of returns being 15%, let’s see how the SIP investment of INR 1,000 grows over a period of 12 months.

SIP_Calculator

FD Calculator

The FD rates also keep on varying from bank to banks. However, assuming the interest rate to be 6%, let us see how the FD will perform over a period of 12 months if the investment amount is INR 1,000.

FD_Calculator

How to Invest in MF SIP Online?

  1. Open Free Investment Account for Lifetime at Fincash.com.

  2. Complete your Registration and KYC Process

  3. Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!

    Get Started

Conclusion: SIP or FD

To conclude, it can be said that SIP has more advantages as compared to FD. However, it is always advised to people that they understand a scheme’s functioning completely before investing. In addition, they can even consult a personal financial advisor to ensure that their investment is safe and their objectives are met.

Disclaimer:
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.
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