Table of Contents
میوچل فنڈ بمقابلہ ایف ڈی (فکسڈ ڈپازٹ)
میوچل فنڈ بمقابلہایف ڈی? پیسہ بچانے کے بارے میں سوچتے وقت، سب سے پہلی چیز جس پر زیادہ تر لوگ غور کرتے ہیں وہ ہے۔سرمایہ کاری فکسڈ ڈپازٹس (FDs) میں۔ یہ عام طور پر اس وجہ سے ہے کہ اسے سمجھنا آسان ہے اور نسلوں سے کیا جا رہا ہے۔ لیکن کیا یہ سب سے مناسب سرمایہ کاری ہے؟ اور کیا یہ بہترین منافع فراہم کرتا ہے؟ یا میوچل فنڈ کی سرمایہ کاری اس مقصد کو بہتر طریقے سے پورا کر سکتی ہے؟ ان سوالات کے جوابات جاننے کے لیے ذیل میں پڑھیں!
ایف ڈی یا فکسڈ ڈپازٹ
فکسڈ ڈپازٹ، جسے FD بھی کہا جاتا ہے ایک مقبول ہے۔بینک سرمایہ کاری کا اختیار طویل مدتی اور قلیل مدتی سرمایہ کاری دونوں کے لیے موزوں ہے۔ FD ریٹرن مقرر ہیں کیونکہ FD سود کی شرح حکومت ہند کے ذریعہ پہلے سے طے شدہ ہے۔ فکسڈ ڈپازٹس پر جو شرح سود طے کی جا رہی ہے، اس کا کوئی اثر نہیں ہے۔مہنگائی ان سرمایہ کاری پر.
نیز، FD ریٹرن سرمایہ کاروں کے ہاتھ میں قابل ٹیکس ہیں۔ تاہم، ایف ڈی سرمایہ کاری کے تحت ٹیکس کٹوتیوں کے لیے ذمہ دار ہیں۔سیکشن 80 سی کیانکم ٹیکس ایکٹ
باہمی چندہ
میوچل فنڈ تین طرح کا ہوتا ہے، قرض، ایکویٹی اور متوازنباہمی چندہ.قرض باہمی فنڈ وہ ہیں جو حکومت میں زیادہ تر اثاثے لگاتے ہیں۔بانڈز، کارپوریٹ بانڈز اور باقی ایکویٹی مارکیٹوں میں۔ اس کے برعکس، ایکویٹی میوچل فنڈز اپنے اثاثوں کا 65% سے زیادہ ایکویٹی مارکیٹوں میں اور باقی سرکاری بانڈز، کارپوریٹ بانڈز اور سیکیورٹیز میں لگاتا ہے۔ جبکہ بیلنسڈ میوچل فنڈز وہ ہیں جو جزوی طور پر قرض میں اور جزوی طور پر سرمایہ کاری کرتے ہیں۔ایکویٹی فنڈز. میوچل فنڈ افراط زر کو شکست دینے والا ایک آلہ ہے، اس لیے یہ زیادہ ٹیکس موثر ہے اور اس سے طویل مدتی سرمایہ کاری پر بہتر منافع کی پیشکش کی جاتی ہے۔
کون سی بہتر طویل مدتی سرمایہ کاری ہے؟
اب جب کہ ہم جانتے ہیں کہ میوچل فنڈز اور فکسڈ ڈپازٹ (FDs) دونوں ہیں۔ٹیکس کی بچت کی سرمایہ کاریسوال یہ پیدا ہوتا ہے کہ سرمایہ کاری کہاں کرنی چاہیے؟ اگرچہ یہ ایک موضوعی سوال ہے اور اس کا جواب ہر شخص سے مختلف ہو سکتا ہے، ذیل میں مختلف پیرامیٹرز کی بنیاد پر ایک موازنہ دیا گیا ہے جو آپ کو بہتر انتخاب کرنے میں مدد کر سکتا ہے۔
1. میوچل فنڈ ریٹرن اور ایف ڈی ریٹرن
فکسڈ ڈپازٹ پر واپسی پہلے سے متعین ہے اور پوری مدت میں تبدیل نہیں ہوتی ہے۔ جبکہ میوچل فنڈز، مالیاتی سے منسلک ہیں۔مارکیٹطویل مدتی سرمایہ کاری پر بہتر منافع پیش کرتے ہیں۔
2. ایف ڈی کی شرح سود اور میوچل فنڈ ریٹرن
FDs پر سود کی شرح FD کی قسم یا FD کی مدت کے لحاظ سے طے کی جاتی ہے، لہذا کوئی بھی فکسڈ ڈپازٹ پر زیادہ شرح سود کی توقع نہیں کر سکتا۔ دوسری طرف، میوچل فنڈز پر منافع مختلف ہوتا ہے کیونکہ مختلف قسم کے فنڈز غیر مستحکم منافع پیش کرتے ہیں۔ اگر مارکیٹ زیادہ جاتی ہے تو منافع میں اضافہ ہوتا ہے اور اس کے برعکس۔
3. خطرے کے عوامل
فکسڈ ڈپازٹس کو شاید ہی کوئی خطرہ لاحق ہوتا ہے کیونکہ ریٹرن پہلے سے طے شدہ ہوتے ہیں۔ نیز، اگر بینک کا پردہ فاش ہو جاتا ہے تو تمام بینک کھاتوں کا INR 1 لاکھ تک بیمہ کیا جاتا ہے۔ دوسری طرف، میوچل فنڈز زیادہ خطرہ رکھتے ہیں کیونکہ وہ اپنے اثاثوں کو مالیاتی منڈی میں لگاتے ہیں۔ ایکویٹی میوچل فنڈز، جس کے زیادہ تر اثاثے ایکویٹی مارکیٹوں میں لگائے گئے ہیں، بہت زیادہ خطرہ رکھتے ہیں۔ جبکہ ڈیبٹ میوچل فنڈز میں سرمایہ کاری کم خطرہ ہے، کیونکہ ان فنڈز کا بہت کم حصہ اسٹاک مارکیٹ میں لگایا جاتا ہے۔
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4. افراط زر کا اثر
سود کی شرح پہلے سے طے شدہ ہے، فکسڈ ڈپازٹس پر افراط زر کا کوئی اثر نہیں ہے۔ جبکہ، میوچل فنڈز کے لیے، ریٹرن افراط زر کے مطابق ہوتے ہیں جو بہتر منافع کمانے کی صلاحیت کو بڑھاتے ہیں۔
5. کیپٹل گینز
نہیں ہیںسرمایہ ایف ڈی کی صورت میں فائدہ ممکن ہے۔ میوچل فنڈز کے لیے،کیپٹل گینز انعقاد کی مدت پر منحصر ہے. مختلف میوچل فنڈز مختلف کیپیٹل گینز پیش کرتے ہیں۔
6. لیکویڈیٹی
فکسڈ ڈپازٹس ہیں۔غیر قانونیکیونکہ سرمایہ کاری کی گئی رقم ایک خاص وقت کے لیے مقفل ہے۔ اگر اس مدت سے پہلے رقم نکال لی جائے تو ایک مخصوص جرمانہ کاٹا جاتا ہے۔ جبکہ میوچل فنڈز مائع ہوتے ہیں کیونکہ وہ بہت کم وقت میں فروخت کیے جاسکتے ہیں۔فرسودگی فنڈ کی قیمت میں. تاہم، چند میوچل فنڈز کی فروخت پر لاگو ہونے والے ایگزٹ بوجھ کو چیک کرنا ضروری ہے۔
7. ٹیکس لگانا
فکسڈ ڈپازٹ پر سود پر فرد کے ٹیکس سلیب کے مطابق ٹیکس لگایا جاتا ہے۔ دوسری جانب،میوچل فنڈ ٹیکسیشن زیادہ تر انعقاد کی مدت پر منحصر ہے۔ شارٹ ٹرم کیپیٹل گینز (STCG) اور لانگ ٹرم کیپیٹل گینز (LTCG) دونوں پر مختلف ٹیکس لگایا جاتا ہے۔
8. ٹیکس سیونگ ایف ڈی کی V/S ایکویٹی لنکڈ سیونگ سکیمز (ELSS)
ان سرمایہ کاروں کے لیے جو IT ایکٹ کے سیکشن 80c کے تحت ٹیکس بچانے کے مقصد کے لیے ایف ڈی پر غور کر رہے ہیں۔ (5 سالہ لاکن)ای ایل ایس ایس میوچل فنڈز ایک اچھا متبادل ہیں کیونکہ ان کا 3 سال کا لاک ان ہے اور تاریخی طور پر بہتر منافع کی پیشکش کی ہے۔
کون سا بہتر سرمایہ کاری منصوبہ ہے؟
آئیے مختصراً دیکھتے ہیں:
| پیرامیٹر | مشترکہ فنڈ | معیاد مقررہ تک جمع |
|---|---|---|
| واپسی کی شرح | کوئی یقینی واپسی نہیں۔ | فکسڈ ریٹرن |
| انفلیشن ایڈجسٹ ریٹرن | اعلی افراط زر کی ایڈجسٹ شدہ واپسیوں کا امکان | عام طور پر کم افراط زر کی ایڈجسٹ شدہ واپسی |
| خطرہ | درمیانے درجے سے زیادہ خطرہ | کم خطرہ |
| لیکویڈیٹی | مائع | مائع |
| قبل از وقت واپسی | ایگزٹ لوڈ/کوئی لوڈ کے ساتھ اجازت ہے۔ | جرمانے کے ساتھ اجازت ہے۔ |
| سرمایہ کاری کی لاگت | انتظامی لاگت/خرچ کا تناسب | کوی قیمت نہیں |
| ٹیکس کی حیثیت | سازگار ٹیکس کی حیثیت | ٹیکس سلیب کے مطابق |
2022 میں سرمایہ کاری کے لیے بہترین میوچل فنڈز
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Nippon India Small Cap Fund Growth ₹144.466
↓ -0.74 ₹57,010 -15.9 -19.4 0.1 21.8 28.5 26.1 ICICI Prudential Infrastructure Fund Growth ₹167.07
↓ -1.36 ₹7,435 -10.8 -13.2 2.4 28.3 28.4 27.4 SBI Contra Fund Growth ₹347.836
↓ -0.70 ₹41,634 -8.3 -11.6 3.1 21.9 27.6 18.8 Motilal Oswal Midcap 30 Fund Growth ₹91.2872
↓ -0.31 ₹24,488 -14.1 -9.5 17.1 28.3 26.3 57.1 ICICI Prudential Technology Fund Growth ₹195.26
↓ -0.09 ₹14,101 -8.2 -5.5 7.8 9.1 25.9 25.4 Nippon India Power and Infra Fund Growth ₹294.956
↓ -1.46 ₹7,001 -15.9 -20.4 -3.7 27.3 25.5 26.9 IDFC Infrastructure Fund Growth ₹42.592
↓ -0.27 ₹1,641 -16.3 -24.2 0.8 24.1 25.5 39.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 25 Feb 25
*نیچے 7 کی فہرست ہے۔بہترین باہمی فنڈز خالص اثاثے/AUM سے زیادہ ہونا The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related instruments of small cap companies and the secondary objective is to generate consistent returns by investing in debt and money market securities. Nippon India Small Cap Fund is a Equity - Small Cap fund was launched on 16 Sep 10. It is a fund with Moderately High risk and has given a Below is the key information for Nippon India Small Cap Fund Returns up to 1 year are on To generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure development and balance in debt securities and money market instruments. ICICI Prudential Infrastructure Fund is a Equity - Sectoral fund was launched on 31 Aug 05. It is a fund with High risk and has given a Below is the key information for ICICI Prudential Infrastructure Fund Returns up to 1 year are on To provide the investors maximum growth opportunity through equity
investments in stocks of growth oriented sectors of the economy. SBI Contra Fund is a Equity - Contra fund was launched on 6 May 05. It is a fund with Moderately High risk and has given a Below is the key information for SBI Contra Fund Returns up to 1 year are on (Erstwhile Motilal Oswal MOSt Focused Midcap 30 Fund) The investment objective of the Scheme is to achieve long term capital appreciation by investing in a maximum of 30 quality mid-cap companies having long-term competitive advantages and potential for growth. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved. Motilal Oswal Midcap 30 Fund is a Equity - Mid Cap fund was launched on 24 Feb 14. It is a fund with Moderately High risk and has given a Below is the key information for Motilal Oswal Midcap 30 Fund Returns up to 1 year are on To generate long-term capital appreciation for you from a portfolio made up predominantly of equity and equity-related securities of technology intensive companies. ICICI Prudential Technology Fund is a Equity - Sectoral fund was launched on 3 Mar 00. It is a fund with High risk and has given a Below is the key information for ICICI Prudential Technology Fund Returns up to 1 year are on (Erstwhile Reliance Diversified Power Sector Fund) The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies in the power sector. Nippon India Power and Infra Fund is a Equity - Sectoral fund was launched on 8 May 04. It is a fund with High risk and has given a Below is the key information for Nippon India Power and Infra Fund Returns up to 1 year are on 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 100 کروڑ. 5 سال پر ترتیب دیا گیا۔سی اے جی آر/سالانہ واپسی1. Nippon India Small Cap Fund
CAGR/Annualized return of 20.3% since its launch. Ranked 6 in Small Cap category. Return for 2024 was 26.1% , 2023 was 48.9% and 2022 was 6.5% . Nippon India Small Cap Fund
Growth Launch Date 16 Sep 10 NAV (25 Feb 25) ₹144.466 ↓ -0.74 (-0.51 %) Net Assets (Cr) ₹57,010 on 31 Jan 25 Category Equity - Small Cap AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.55 Sharpe Ratio 0.26 Information Ratio 0.78 Alpha Ratio 3.88 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jan 20 ₹10,000 31 Jan 21 ₹12,137 31 Jan 22 ₹20,946 31 Jan 23 ₹22,218 31 Jan 24 ₹34,818 31 Jan 25 ₹38,435 Returns for Nippon India Small Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Feb 25 Duration Returns 1 Month -8.9% 3 Month -15.9% 6 Month -19.4% 1 Year 0.1% 3 Year 21.8% 5 Year 28.5% 10 Year 15 Year Since launch 20.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 26.1% 2023 48.9% 2022 6.5% 2021 74.3% 2020 29.2% 2019 -2.5% 2018 -16.7% 2017 63% 2016 5.6% 2015 15.1% Fund Manager information for Nippon India Small Cap Fund
Name Since Tenure Samir Rachh 2 Jan 17 8.09 Yr. Kinjal Desai 25 May 18 6.7 Yr. Data below for Nippon India Small Cap Fund as on 31 Jan 25
Equity Sector Allocation
Sector Value Industrials 25.71% Financial Services 12.92% Consumer Cyclical 12.68% Basic Materials 11.58% Technology 10.44% Health Care 7.75% Consumer Defensive 7.4% Utility 1.95% Communication Services 1.87% Energy 1.59% Real Estate 0.6% Asset Allocation
Asset Class Value Cash 5.02% Equity 94.98% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 22 | HDFCBANK2% ₹1,179 Cr 6,650,000 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 28 Feb 21 | MCX2% ₹1,154 Cr 1,851,010 Apar Industries Ltd (Industrials)
Equity, Since 31 Mar 17 | APARINDS1% ₹928 Cr 899,271 Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Oct 12 | KIRLOSBROS1% ₹923 Cr 4,472,130 Dixon Technologies (India) Ltd (Technology)
Equity, Since 30 Nov 18 | DIXON1% ₹919 Cr 512,355 Tube Investments of India Ltd Ordinary Shares (Industrials)
Equity, Since 30 Apr 18 | TIINDIA1% ₹894 Cr 2,499,222 ELANTAS Beck India Ltd (Basic Materials)
Equity, Since 28 Feb 13 | 5001231% ₹785 Cr 614,625 State Bank of India (Financial Services)
Equity, Since 31 Oct 19 | SBIN1% ₹723 Cr 9,100,000 Central Depository Services (India) Ltd (Financial Services)
Equity, Since 31 Dec 18 | CDSL1% ₹709 Cr 4,029,718 Karur Vysya Bank Ltd (Financial Services)
Equity, Since 28 Feb 17 | 5900031% ₹690 Cr 31,784,062 2. ICICI Prudential Infrastructure Fund
CAGR/Annualized return of 15.5% since its launch. Ranked 27 in Sectoral category. Return for 2024 was 27.4% , 2023 was 44.6% and 2022 was 28.8% . ICICI Prudential Infrastructure Fund
Growth Launch Date 31 Aug 05 NAV (25 Feb 25) ₹167.07 ↓ -1.36 (-0.81 %) Net Assets (Cr) ₹7,435 on 31 Jan 25 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 2.22 Sharpe Ratio 0.64 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jan 20 ₹10,000 31 Jan 21 ₹10,385 31 Jan 22 ₹16,659 31 Jan 23 ₹19,888 31 Jan 24 ₹30,973 31 Jan 25 ₹35,717 Returns for ICICI Prudential Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Feb 25 Duration Returns 1 Month -5.1% 3 Month -10.8% 6 Month -13.2% 1 Year 2.4% 3 Year 28.3% 5 Year 28.4% 10 Year 15 Year Since launch 15.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 27.4% 2023 44.6% 2022 28.8% 2021 50.1% 2020 3.6% 2019 2.6% 2018 -14% 2017 40.8% 2016 2% 2015 -3.4% Fund Manager information for ICICI Prudential Infrastructure Fund
Name Since Tenure Ihab Dalwai 3 Jun 17 7.67 Yr. Sharmila D’mello 30 Jun 22 2.59 Yr. Data below for ICICI Prudential Infrastructure Fund as on 31 Jan 25
Equity Sector Allocation
Sector Value Industrials 36.99% Basic Materials 18.93% Financial Services 16.99% Utility 10.73% Energy 7.04% Communication Services 1.26% Consumer Cyclical 1.11% Real Estate 0.75% Asset Allocation
Asset Class Value Cash 5.59% Equity 93.78% Debt 0.63% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 09 | LT9% ₹615 Cr 1,704,683 NTPC Ltd (Utilities)
Equity, Since 29 Feb 16 | 5325554% ₹257 Cr 7,710,775 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 16 | ICICIBANK4% ₹255 Cr 1,990,000 Shree Cement Ltd (Basic Materials)
Equity, Since 30 Apr 24 | 5003874% ₹246 Cr 95,657 JM Financial Ltd (Financial Services)
Equity, Since 31 Oct 21 | JMFINANCIL3% ₹231 Cr 17,763,241
↑ 400,000 Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 May 24 | ADANIPORTS3% ₹214 Cr 1,740,091 InterGlobe Aviation Ltd (Industrials)
Equity, Since 28 Feb 23 | INDIGO3% ₹208 Cr 457,106
↓ -30,684 NCC Ltd (Industrials)
Equity, Since 31 Aug 21 | NCC3% ₹207 Cr 7,547,700 Kalpataru Projects International Ltd (Industrials)
Equity, Since 30 Sep 06 | KPIL3% ₹202 Cr 1,558,301 Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 23 | RELIANCE3% ₹196 Cr 1,609,486 3. SBI Contra Fund
CAGR/Annualized return of 14.8% since its launch. Ranked 48 in Contra category. Return for 2024 was 18.8% , 2023 was 38.2% and 2022 was 12.8% . SBI Contra Fund
Growth Launch Date 6 May 05 NAV (25 Feb 25) ₹347.836 ↓ -0.70 (-0.20 %) Net Assets (Cr) ₹41,634 on 31 Jan 25 Category Equity - Contra AMC SBI Funds Management Private Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 1.7 Sharpe Ratio 0.39 Information Ratio 1.66 Alpha Ratio 0.8 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jan 20 ₹10,000 31 Jan 21 ₹13,142 31 Jan 22 ₹19,202 31 Jan 23 ₹21,302 31 Jan 24 ₹30,908 31 Jan 25 ₹34,481 Returns for SBI Contra Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Feb 25 Duration Returns 1 Month -4.2% 3 Month -8.3% 6 Month -11.6% 1 Year 3.1% 3 Year 21.9% 5 Year 27.6% 10 Year 15 Year Since launch 14.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 18.8% 2023 38.2% 2022 12.8% 2021 49.9% 2020 30.6% 2019 -1% 2018 -14.3% 2017 40.2% 2016 2.4% 2015 -0.1% Fund Manager information for SBI Contra Fund
Name Since Tenure Dinesh Balachandran 7 May 18 6.75 Yr. Pradeep Kesavan 1 Dec 23 1.17 Yr. Data below for SBI Contra Fund as on 31 Jan 25
Equity Sector Allocation
Sector Value Financial Services 19.47% Technology 9.03% Basic Materials 8.12% Energy 7.33% Health Care 7.33% Industrials 6.55% Consumer Cyclical 6.42% Utility 5.94% Consumer Defensive 4.71% Communication Services 3.97% Real Estate 0.57% Asset Allocation
Asset Class Value Cash 19.44% Equity 79.44% Debt 1.12% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 16 | HDFCBANK5% ₹2,256 Cr 12,723,129 Reliance Industries Ltd (Energy)
Equity, Since 31 Mar 23 | RELIANCE4% ₹1,498 Cr 12,328,250 GAIL (India) Ltd (Utilities)
Equity, Since 28 Feb 21 | 5321552% ₹993 Cr 51,993,788 Tech Mahindra Ltd (Technology)
Equity, Since 31 Mar 22 | 5327552% ₹987 Cr 5,786,409 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Mar 24 | KOTAKBANK2% ₹916 Cr 5,128,168 Torrent Power Ltd (Utilities)
Equity, Since 31 Oct 21 | 5327792% ₹916 Cr 6,163,300
↑ 2,322,023 State Bank of India (Financial Services)
Equity, Since 31 Dec 10 | SBIN2% ₹815 Cr 10,254,269 ITC Ltd (Consumer Defensive)
Equity, Since 31 Jul 20 | ITC2% ₹811 Cr 16,766,741 Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 31 Dec 22 | 5003122% ₹763 Cr 31,885,412 Whirlpool of India Ltd (Consumer Cyclical)
Equity, Since 29 Feb 24 | 5002382% ₹743 Cr 4,040,000 4. Motilal Oswal Midcap 30 Fund
CAGR/Annualized return of 22.3% since its launch. Ranked 27 in Mid Cap category. Return for 2024 was 57.1% , 2023 was 41.7% and 2022 was 10.7% . Motilal Oswal Midcap 30 Fund
Growth Launch Date 24 Feb 14 NAV (25 Feb 25) ₹91.2872 ↓ -0.31 (-0.34 %) Net Assets (Cr) ₹24,488 on 31 Jan 25 Category Equity - Mid Cap AMC Motilal Oswal Asset Management Co. Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 0.66 Sharpe Ratio 0.93 Information Ratio 0.68 Alpha Ratio 15.2 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jan 20 ₹10,000 31 Jan 21 ₹10,284 31 Jan 22 ₹16,054 31 Jan 23 ₹17,654 31 Jan 24 ₹26,102 31 Jan 25 ₹33,874 Returns for Motilal Oswal Midcap 30 Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Feb 25 Duration Returns 1 Month -6% 3 Month -14.1% 6 Month -9.5% 1 Year 17.1% 3 Year 28.3% 5 Year 26.3% 10 Year 15 Year Since launch 22.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 57.1% 2023 41.7% 2022 10.7% 2021 55.8% 2020 9.3% 2019 9.7% 2018 -12.7% 2017 30.8% 2016 5.2% 2015 16.5% Fund Manager information for Motilal Oswal Midcap 30 Fund
Name Since Tenure Ajay Khandelwal 1 Oct 24 0.34 Yr. Niket Shah 1 Jul 20 4.59 Yr. Rakesh Shetty 22 Nov 22 2.2 Yr. Sunil Sawant 1 Jul 24 0.59 Yr. Data below for Motilal Oswal Midcap 30 Fund as on 31 Jan 25
Equity Sector Allocation
Sector Value Technology 29.21% Consumer Cyclical 25.34% Industrials 19.64% Financial Services 5.14% Health Care 4.07% Communication Services 2.9% Utility 2.05% Real Estate 1.98% Basic Materials 0.47% Asset Allocation
Asset Class Value Cash 9.2% Equity 90.8% Top Securities Holdings / Portfolio
Name Holding Value Quantity Coforge Ltd (Technology)
Equity, Since 31 Mar 23 | COFORGE10% ₹2,604 Cr 2,695,000
↑ 95,000 Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 29 Feb 24 | KALYANKJIL10% ₹2,548 Cr 33,250,000
↑ 2,750,000 Polycab India Ltd (Industrials)
Equity, Since 30 Sep 23 | POLYCAB9% ₹2,364 Cr 3,250,000
↑ 124,982 Trent Ltd (Consumer Cyclical)
Equity, Since 30 Nov 24 | 5002518% ₹2,137 Cr 3,000,000
↑ 1,250,400 Persistent Systems Ltd (Technology)
Equity, Since 31 Jan 23 | PERSISTENT8% ₹2,099 Cr 3,250,000
↑ 250,000 Jio Financial Services Ltd (Financial Services)
Equity, Since 31 Aug 23 | JIOFIN5% ₹1,359 Cr 45,500,000
↑ 3,000,000 Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 31 Oct 24 | M&M4% ₹1,052 Cr 3,500,000
↓ -1,250,000 Oracle Financial Services Software Ltd (Technology)
Equity, Since 31 Dec 24 | OFSS4% ₹1,019 Cr 796,967
↑ 796,967 One97 Communications Ltd (Technology)
Equity, Since 30 Sep 24 | 5433964% ₹1,018 Cr 10,000,000
↑ 2,500,000 Voltas Ltd (Industrials)
Equity, Since 31 Oct 17 | VOLTAS3% ₹895 Cr 4,999,745 5. ICICI Prudential Technology Fund
CAGR/Annualized return of 12.6% since its launch. Ranked 37 in Sectoral category. Return for 2024 was 25.4% , 2023 was 27.5% and 2022 was -23.2% . ICICI Prudential Technology Fund
Growth Launch Date 3 Mar 00 NAV (25 Feb 25) ₹195.26 ↓ -0.09 (-0.05 %) Net Assets (Cr) ₹14,101 on 31 Jan 25 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk High Expense Ratio 1.96 Sharpe Ratio 0.63 Information Ratio 0.21 Alpha Ratio 0.86 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jan 20 ₹10,000 31 Jan 21 ₹16,325 31 Jan 22 ₹25,971 31 Jan 23 ₹22,408 31 Jan 24 ₹29,166 31 Jan 25 ₹34,454 Returns for ICICI Prudential Technology Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Feb 25 Duration Returns 1 Month -7.6% 3 Month -8.2% 6 Month -5.5% 1 Year 7.8% 3 Year 9.1% 5 Year 25.9% 10 Year 15 Year Since launch 12.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 25.4% 2023 27.5% 2022 -23.2% 2021 75.7% 2020 70.6% 2019 2.3% 2018 19.1% 2017 19.8% 2016 -4% 2015 3.9% Fund Manager information for ICICI Prudential Technology Fund
Name Since Tenure Vaibhav Dusad 2 May 20 4.76 Yr. Sharmila D’mello 30 Jun 22 2.59 Yr. Data below for ICICI Prudential Technology Fund as on 31 Jan 25
Equity Sector Allocation
Sector Value Technology 71.4% Communication Services 16.22% Consumer Cyclical 4.97% Industrials 2.81% Health Care 0.69% Financial Services 0.5% Consumer Defensive 0.2% Asset Allocation
Asset Class Value Cash 2.98% Equity 97.02% Top Securities Holdings / Portfolio
Name Holding Value Quantity Infosys Ltd (Technology)
Equity, Since 30 Apr 08 | INFY22% ₹3,152 Cr 16,768,086 Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Sep 19 | TCS12% ₹1,742 Cr 4,254,724
↑ 270,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 20 | BHARTIARTL8% ₹1,167 Cr 7,348,806
↑ 200,000 LTIMindtree Ltd (Technology)
Equity, Since 31 Jul 16 | LTIM6% ₹847 Cr 1,515,919
↑ 207,126 HCL Technologies Ltd (Technology)
Equity, Since 30 Sep 20 | HCLTECH5% ₹721 Cr 3,758,139
↑ 108,689 Tech Mahindra Ltd (Technology)
Equity, Since 31 Oct 16 | 5327555% ₹713 Cr 4,176,250
↑ 391,032 Bharti Airtel Ltd (Partly Paid Rs.1.25) (Communication Services)
Equity, Since 31 Oct 21 | 8901574% ₹547 Cr 4,645,340 Wipro Ltd (Technology)
Equity, Since 30 Sep 19 | 5076853% ₹452 Cr 14,965,117
↑ 242,399 Zomato Ltd (Consumer Cyclical)
Equity, Since 31 Aug 22 | 5433203% ₹402 Cr 14,473,026
↓ -1,085,383 Persistent Systems Ltd (Technology)
Equity, Since 31 May 20 | PERSISTENT2% ₹344 Cr 532,687
↓ -17,707 6. Nippon India Power and Infra Fund
CAGR/Annualized return of 17.7% since its launch. Ranked 13 in Sectoral category. Return for 2024 was 26.9% , 2023 was 58% and 2022 was 10.9% . Nippon India Power and Infra Fund
Growth Launch Date 8 May 04 NAV (25 Feb 25) ₹294.956 ↓ -1.46 (-0.49 %) Net Assets (Cr) ₹7,001 on 31 Jan 25 Category Equity - Sectoral AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk High Expense Ratio 2.05 Sharpe Ratio 0.29 Information Ratio 1.18 Alpha Ratio 3.79 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jan 20 ₹10,000 31 Jan 21 ₹10,728 31 Jan 22 ₹16,044 31 Jan 23 ₹17,651 31 Jan 24 ₹29,963 31 Jan 25 ₹33,188 Returns for Nippon India Power and Infra Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Feb 25 Duration Returns 1 Month -8.1% 3 Month -15.9% 6 Month -20.4% 1 Year -3.7% 3 Year 27.3% 5 Year 25.5% 10 Year 15 Year Since launch 17.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 26.9% 2023 58% 2022 10.9% 2021 48.9% 2020 10.8% 2019 -2.9% 2018 -21.1% 2017 61.7% 2016 0.1% 2015 0.3% Fund Manager information for Nippon India Power and Infra Fund
Name Since Tenure Kinjal Desai 25 May 18 6.7 Yr. Rahul Modi 19 Aug 24 0.45 Yr. Data below for Nippon India Power and Infra Fund as on 31 Jan 25
Equity Sector Allocation
Sector Value Industrials 44.95% Utility 15.89% Basic Materials 10.1% Communication Services 7.08% Energy 6.43% Consumer Cyclical 3.98% Real Estate 3.78% Technology 2.94% Health Care 2.45% Financial Services 1.62% Asset Allocation
Asset Class Value Cash 0.77% Equity 99.23% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 07 | LT8% ₹612 Cr 1,697,001
↓ -302,999 NTPC Ltd (Utilities)
Equity, Since 31 May 09 | 5325556% ₹467 Cr 13,999,999
↑ 999,999 Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 18 | RELIANCE6% ₹431 Cr 3,550,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 18 | BHARTIARTL6% ₹413 Cr 2,600,000 Kaynes Technology India Ltd (Industrials)
Equity, Since 30 Nov 22 | KAYNES5% ₹365 Cr 492,204 UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Oct 19 | 5325384% ₹309 Cr 270,000 Carborundum Universal Ltd (Industrials)
Equity, Since 30 Sep 23 | CARBORUNIV3% ₹230 Cr 1,800,000 Siemens Ltd (Industrials)
Equity, Since 31 May 21 | 5005503% ₹229 Cr 350,000 Cyient DLM Ltd (Technology)
Equity, Since 31 Jul 23 | CYIENTDLM3% ₹209 Cr 3,114,722 Brigade Enterprises Ltd (Real Estate)
Equity, Since 31 May 23 | 5329293% ₹199 Cr 1,600,000 7. IDFC Infrastructure Fund
CAGR/Annualized return of 10.9% since its launch. Ranked 1 in Sectoral category. Return for 2024 was 39.3% , 2023 was 50.3% and 2022 was 1.7% . IDFC Infrastructure Fund
Growth Launch Date 8 Mar 11 NAV (25 Feb 25) ₹42.592 ↓ -0.27 (-0.63 %) Net Assets (Cr) ₹1,641 on 31 Jan 25 Category Equity - Sectoral AMC IDFC Asset Management Company Limited Rating ☆☆☆☆☆ Risk High Expense Ratio 2.33 Sharpe Ratio 0.49 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-365 Days (1%),365 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jan 20 ₹10,000 31 Jan 21 ₹10,449 31 Jan 22 ₹16,786 31 Jan 23 ₹16,915 31 Jan 24 ₹28,172 31 Jan 25 ₹32,572 Returns for IDFC Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Feb 25 Duration Returns 1 Month -8.7% 3 Month -16.3% 6 Month -24.2% 1 Year 0.8% 3 Year 24.1% 5 Year 25.5% 10 Year 15 Year Since launch 10.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 39.3% 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% Fund Manager information for IDFC Infrastructure Fund
Name Since Tenure Vishal Biraia 24 Jan 24 1.02 Yr. Ritika Behera 7 Oct 23 1.32 Yr. Gaurav Satra 7 Jun 24 0.65 Yr. Data below for IDFC Infrastructure Fund as on 31 Jan 25
Equity Sector Allocation
Sector Value Industrials 58.01% Utility 12.35% Basic Materials 8.64% Technology 4.18% Communication Services 3.82% Financial Services 3.21% Energy 3.07% Consumer Cyclical 2.58% Health Care 1.77% Asset Allocation
Asset Class Value Cash 2.38% Equity 97.62% Top Securities Holdings / Portfolio
Name Holding Value Quantity Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Dec 17 | KIRLOSBROS5% ₹92 Cr 443,385 GPT Infraprojects Ltd (Industrials)
Equity, Since 30 Nov 17 | GPTINFRA4% ₹68 Cr 4,797,143 Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 12 | LT3% ₹62 Cr 171,447 KEC International Ltd (Industrials)
Equity, Since 30 Jun 24 | 5327143% ₹57 Cr 475,362 Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 24 | RELIANCE3% ₹55 Cr 452,706 UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Mar 14 | 5325383% ₹54 Cr 46,976 Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 Dec 23 | ADANIPORTS3% ₹54 Cr 434,979 PTC India Financial Services Ltd (Financial Services)
Equity, Since 31 Dec 23 | PFS3% ₹53 Cr 12,400,122 H.G. Infra Engineering Ltd Ordinary Shares (Industrials)
Equity, Since 28 Feb 18 | HGINFRA3% ₹49 Cr 321,984 Ahluwalia Contracts (India) Ltd (Industrials)
Equity, Since 30 Apr 15 | AHLUCONT3% ₹48 Cr 470,125
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Great Read. Clarified my doubts.