Table of Contents
SIP Vs FD
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.
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
(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 Below is the key information for Motilal Oswal Multicap 35 Fund Returns up to 1 year are on The investment objective of the scheme is to seek to generate long-term capital growth through an active diversified portfolio of predominantly equity and equity related instruments of companies that are participating in and benefiting from growth in Indian infrastructure and infrastructural related activities. However, there can be no assurance that the investment objective of the scheme will be realized. IDFC Infrastructure Fund is a Equity - Sectoral fund was launched on 8 Mar 11. It is a fund with High risk and has given a Below is the key information for IDFC Infrastructure Fund Returns up to 1 year are on (Erstwhile 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 Below is the key information for Invesco India Growth Opportunities Fund Returns up to 1 year are on The primary objective of the Scheme is to achieve long-term capital appreciation by investing in equity & equity related instruments of mid cap & small cap companies. Principal Emerging Bluechip Fund is a Equity - Large & Mid Cap fund was launched on 12 Nov 08. It is a fund with Moderately High risk and has given a Below is the key information for Principal Emerging Bluechip Fund Returns up to 1 year are on 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 Below is the key information for Franklin Build India Fund Returns up to 1 year are on Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2023 (%) Motilal Oswal Multicap 35 Fund Growth ₹62.8773
↑ 0.01 ₹12,598 500 -1.4 14.1 43.1 23.1 18.3 31 IDFC Infrastructure Fund Growth ₹51.428
↓ -0.09 ₹1,798 100 -8.5 -3.8 41 28.9 30.4 50.3 Invesco India Growth Opportunities Fund Growth ₹96.7
↑ 0.23 ₹6,340 100 -3.3 10 40.3 23.1 21.7 31.6 Principal Emerging Bluechip Fund Growth ₹183.316
↑ 2.03 ₹3,124 100 2.9 13.6 38.9 21.9 19.2 Franklin Build India Fund Growth ₹138.769
↓ -0.09 ₹2,848 500 -6.3 -2 30.3 29.9 27.5 51.1 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Dec 24 1. Motilal Oswal Multicap 35 Fund
CAGR/Annualized return of 18.8% since its launch. Ranked 5 in Multi Cap category. Return for 2023 was 31% , 2022 was -3% and 2021 was 15.3% . Motilal Oswal Multicap 35 Fund
Growth Launch Date 28 Apr 14 NAV (24 Dec 24) ₹62.8773 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹12,598 on 30 Nov 24 Category Equity - Multi Cap AMC Motilal Oswal Asset Management Co. Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 0.94 Sharpe Ratio 2.6 Information Ratio 0.77 Alpha Ratio 18.56 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 30 Nov 19 ₹10,000 30 Nov 20 ₹10,547 30 Nov 21 ₹12,559 30 Nov 22 ₹12,995 30 Nov 23 ₹15,509 30 Nov 24 ₹23,250 Returns for Motilal Oswal Multicap 35 Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 24 Duration Returns 1 Month 4.7% 3 Month -1.4% 6 Month 14.1% 1 Year 43.1% 3 Year 23.1% 5 Year 18.3% 10 Year 15 Year Since launch 18.8% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Ajay Khandelwal 1 Oct 24 0.17 Yr. Niket Shah 1 Jul 22 2.42 Yr. Santosh Singh 1 Aug 23 1.34 Yr. Rakesh Shetty 22 Nov 22 2.03 Yr. Atul Mehra 1 Oct 24 0.17 Yr. Sunil Sawant 1 Jul 24 0.42 Yr. Data below for Motilal Oswal Multicap 35 Fund as on 30 Nov 24
Equity Sector Allocation
Sector Value Consumer Cyclical 36.65% Technology 19.23% Industrials 16.8% Financial Services 15.46% Communication Services 8.7% Health Care 1.56% Asset Allocation
Asset Class Value Cash 1.6% Equity 98.4% Top Securities Holdings / Portfolio
Name Holding Value Quantity Polycab India Ltd (Industrials)
Equity, Since 31 Jan 24 | POLYCAB10% ₹1,314 Cr 1,800,000 Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 30 Sep 23 | KALYANKJIL10% ₹1,250 Cr 17,250,000
↓ -250,000 Coforge Ltd (Technology)
Equity, Since 31 May 23 | COFORGE10% ₹1,242 Cr 1,430,000
↑ 30,000 Trent Ltd (Consumer Cyclical)
Equity, Since 31 Jan 23 | TRENT10% ₹1,226 Cr 1,803,916
↑ 178,916 Persistent Systems Ltd (Technology)
Equity, Since 31 Mar 23 | PERSISTENT9% ₹1,181 Cr 2,000,000
↑ 50,000 Zomato Ltd (Consumer Cyclical)
Equity, Since 30 Apr 23 | 5433209% ₹1,119 Cr 40,000,000
↑ 13,821,974 Jio Financial Services Ltd (Financial Services)
Equity, Since 31 Jul 23 | JIOFIN8% ₹1,067 Cr 32,500,000
↓ -2,500,000 Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 31 Oct 24 | M&M8% ₹1,023 Cr 3,450,000
↑ 850,000 Bharti Airtel Ltd (Partly Paid Rs.1.25) (Communication Services)
Equity, Since 30 Apr 24 | 8901575% ₹608 Cr 5,000,000 Cholamandalam Investment and Finance Co Ltd (Financial Services)
Equity, Since 31 Mar 23 | CHOLAFIN4% ₹555 Cr 4,500,000 2. IDFC Infrastructure Fund
CAGR/Annualized return of 12.6% since its launch. Ranked 1 in Sectoral category. Return for 2023 was 50.3% , 2022 was 1.7% and 2021 was 64.8% . IDFC Infrastructure Fund
Growth Launch Date 8 Mar 11 NAV (24 Dec 24) ₹51.428 ↓ -0.09 (-0.18 %) Net Assets (Cr) ₹1,798 on 30 Nov 24 Category Equity - Sectoral AMC IDFC Asset Management Company Limited Rating ☆☆☆☆☆ Risk High Expense Ratio 2.33 Sharpe Ratio 2.03 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-365 Days (1%),365 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹9,729 30 Nov 21 ₹17,109 30 Nov 22 ₹18,111 30 Nov 23 ₹24,857 30 Nov 24 ₹37,271 Returns for IDFC Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 24 Duration Returns 1 Month 3.3% 3 Month -8.5% 6 Month -3.8% 1 Year 41% 3 Year 28.9% 5 Year 30.4% 10 Year 15 Year Since launch 12.6% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Vishal Biraia 24 Jan 24 0.85 Yr. Ritika Behera 7 Oct 23 1.15 Yr. Gaurav Satra 7 Jun 24 0.48 Yr. Data below for IDFC Infrastructure Fund as on 30 Nov 24
Equity Sector Allocation
Sector Value Industrials 57.96% Basic Materials 11.38% Utility 11.18% Communication Services 4.06% Energy 3.39% Technology 3.32% Financial Services 3.3% Consumer Cyclical 2.89% Health Care 1.59% Asset Allocation
Asset Class Value Cash 0.93% Equity 99.07% Top Securities Holdings / Portfolio
Name Holding Value Quantity Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Dec 17 | KIRLOSBROS5% ₹86 Cr 443,385 GPT Infraprojects Ltd (Industrials)
Equity, Since 30 Nov 17 | GPTINFRA4% ₹65 Cr 4,797,143
↑ 54,576 Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 12 | LT3% ₹62 Cr 171,447 Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 24 | RELIANCE3% ₹60 Cr 452,706 Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 Dec 23 | ADANIPORTS3% ₹60 Cr 434,979 PTC India Financial Services Ltd (Financial Services)
Equity, Since 31 Dec 23 | PFS3% ₹54 Cr 12,400,122
↑ 199,904 Ahluwalia Contracts (India) Ltd (Industrials)
Equity, Since 30 Apr 15 | AHLUCONT3% ₹50 Cr 470,125 KEC International Ltd (Industrials)
Equity, Since 30 Jun 24 | 5327143% ₹47 Cr 475,362 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 19 | BHARTIARTL3% ₹47 Cr 289,163 H.G. Infra Engineering Ltd Ordinary Shares (Industrials)
Equity, Since 28 Feb 18 | HGINFRA2% ₹44 Cr 321,984 3. Invesco India Growth Opportunities Fund
CAGR/Annualized return of 13.9% 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% . Invesco India Growth Opportunities Fund
Growth Launch Date 9 Aug 07 NAV (24 Dec 24) ₹96.7 ↑ 0.23 (0.24 %) Net Assets (Cr) ₹6,340 on 30 Nov 24 Category Equity - Large & Mid Cap AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.88 Sharpe Ratio 2.31 Information Ratio 0.72 Alpha Ratio 12.09 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 30 Nov 19 ₹10,000 30 Nov 20 ₹10,605 30 Nov 21 ₹14,150 30 Nov 22 ₹15,112 30 Nov 23 ₹18,207 30 Nov 24 ₹25,946 Returns for Invesco India Growth Opportunities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 24 Duration Returns 1 Month 5.7% 3 Month -3.3% 6 Month 10% 1 Year 40.3% 3 Year 23.1% 5 Year 21.7% 10 Year 15 Year Since launch 13.9% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Aditya Khemani 9 Nov 23 1.06 Yr. Amit Ganatra 21 Jan 22 2.86 Yr. Data below for Invesco India Growth Opportunities Fund as on 30 Nov 24
Equity Sector Allocation
Sector Value Financial Services 28.3% Consumer Cyclical 22.28% Industrials 11.82% Health Care 10.95% Technology 9.64% Real Estate 7.55% Basic Materials 5.74% Communication Services 2.01% Consumer Defensive 1.41% Asset Allocation
Asset Class Value Cash 0.3% Equity 99.7% Top Securities Holdings / Portfolio
Name Holding Value Quantity Trent Ltd (Consumer Cyclical)
Equity, Since 28 Feb 22 | TRENT5% ₹286 Cr 420,950
↑ 74,717 InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Mar 24 | INDIGO4% ₹227 Cr 517,883
↑ 117,866 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 15 | ICICIBANK3% ₹218 Cr 1,678,403
↓ -302,011 Prestige Estates Projects Ltd (Real Estate)
Equity, Since 31 Dec 23 | PRESTIGE3% ₹215 Cr 1,303,411 The Federal Bank Ltd (Financial Services)
Equity, Since 30 Nov 22 | FEDERALBNK3% ₹212 Cr 10,039,804 Dixon Technologies (India) Ltd (Technology)
Equity, Since 30 Sep 22 | DIXON3% ₹206 Cr 130,340 Cholamandalam Investment and Finance Co Ltd (Financial Services)
Equity, Since 28 Feb 23 | CHOLAFIN3% ₹200 Cr 1,619,818 Max Healthcare Institute Ltd Ordinary Shares (Healthcare)
Equity, Since 30 Nov 22 | MAXHEALTH3% ₹195 Cr 1,993,259 Coforge Ltd (Technology)
Equity, Since 31 Mar 22 | COFORGE3% ₹195 Cr 224,767
↓ -33,286 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 24 | HDFCBANK3% ₹191 Cr 1,063,368 4. Principal Emerging Bluechip Fund
CAGR/Annualized return of 24.8% since its launch. Ranked 1 in Large & Mid Cap category. . Principal Emerging Bluechip Fund
Growth Launch Date 12 Nov 08 NAV (31 Dec 21) ₹183.316 ↑ 2.03 (1.12 %) Net Assets (Cr) ₹3,124 on 30 Nov 21 Category Equity - Large & Mid Cap AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd. Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.08 Sharpe Ratio 2.74 Information Ratio 0.22 Alpha Ratio 2.18 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 30 Nov 19 ₹10,000 30 Nov 20 ₹11,618 30 Nov 21 ₹16,703 Returns for Principal Emerging Bluechip Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 24 Duration Returns 1 Month 2.9% 3 Month 2.9% 6 Month 13.6% 1 Year 38.9% 3 Year 21.9% 5 Year 19.2% 10 Year 15 Year Since launch 24.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 Fund Manager information for Principal Emerging Bluechip Fund
Name Since Tenure Data below for Principal Emerging Bluechip Fund as on 30 Nov 21
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 5. Franklin Build India Fund
CAGR/Annualized return of 18.8% since its launch. Ranked 4 in Sectoral category. Return for 2023 was 51.1% , 2022 was 11.2% and 2021 was 45.9% . Franklin Build India Fund
Growth Launch Date 4 Sep 09 NAV (24 Dec 24) ₹138.769 ↓ -0.09 (-0.06 %) Net Assets (Cr) ₹2,848 on 30 Nov 24 Category Equity - Sectoral AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆☆☆ Risk High Expense Ratio 2.13 Sharpe Ratio 2.3 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹9,471 30 Nov 21 ₹15,112 30 Nov 22 ₹17,331 30 Nov 23 ₹23,607 30 Nov 24 ₹33,637 Returns for Franklin Build India Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 24 Duration Returns 1 Month 0.3% 3 Month -6.3% 6 Month -2% 1 Year 30.3% 3 Year 29.9% 5 Year 27.5% 10 Year 15 Year Since launch 18.8% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Ajay Argal 18 Oct 21 3.12 Yr. Kiran Sebastian 7 Feb 22 2.82 Yr. Sandeep Manam 18 Oct 21 3.12 Yr. Data below for Franklin Build India Fund as on 30 Nov 24
Equity Sector Allocation
Sector Value Industrials 37.2% Financial Services 14.7% Energy 9.85% Utility 9.5% Communication Services 7.1% Basic Materials 6.81% Consumer Cyclical 3.68% Real Estate 3.3% Technology 2.71% Asset Allocation
Asset Class Value Cash 5.15% Equity 94.85% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 20 | LT9% ₹261 Cr 720,000 NTPC Ltd (Utilities)
Equity, Since 30 Nov 16 | 5325556% ₹160 Cr 3,930,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 12 | ICICIBANK5% ₹155 Cr 1,200,000 Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 30 Jun 19 | 5003124% ₹120 Cr 4,500,000 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 31 Mar 22 | MCX4% ₹117 Cr 180,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 21 | RELIANCE4% ₹117 Cr 880,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 09 | BHARTIARTL4% ₹114 Cr 710,000 Kirloskar Pneumatic Co Ltd (Industrials)
Equity, Since 31 Aug 22 | 5052834% ₹110 Cr 663,983
↓ -143,864 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 28 Feb 21 | 5328984% ₹108 Cr 3,365,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 12 | 5322153% ₹96 Cr 825,000
↑ 100,000
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.
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.
How to Invest in MF SIP Online?
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Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!
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.
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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