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8 بہترین ہائبرڈ بیلنسڈ میوچل فنڈز 2022
ہائبرڈ فنڈز کو عام طور پر بھی کہا جاتا ہے۔متوازن فنڈ. ہائبرڈ فنڈز کی ایک قسم ہے۔باہمی چندہ جو ایکویٹی اور دونوں میں سرمایہ کاری کرتا ہے۔قرض باہمی فنڈ. دوسرے لفظوں میں، یہ فنڈ قرض اور ایکویٹی دونوں کے امتزاج کے طور پر کام کرتا ہے، جہاں تقریباً 65% پورٹ فولیو ایکویٹیز اور باقی فکسڈ کے لیے وقف ہے۔آمدنی آلات
ہائبرڈ فنڈز ان سرمایہ کاروں کے لیے ایک بہترین آپشن ہیں جو ڈرتے ہیں۔سرمایہ کاری میںایکویٹی فنڈز. یہ فنڈ خطرے کے حصے کو کم کرے گا اور وقت کے ساتھ ساتھ زیادہ سے زیادہ منافع حاصل کرنے میں بھی مدد کرے گا۔ بہترین ممکنہ منافع کمانے کے لیے، سرمایہ کاروں کو مشورہ دیا جاتا ہے کہ وہ بہترین ہائبرڈ میوچل فنڈز یا بہترین متوازن فنڈز میں سرمایہ کاری کریں۔ اس طرح، آپ کے لیے سرمایہ کاری کے عمل کو آسان بنانے کے لیے، ہم نے ذیل کے مضمون میں 2022 - 2023 میں سرمایہ کاری کے لیے کچھ اعلیٰ کارکردگی کا مظاہرہ کرنے والے ہائبرڈ فنڈز کو شارٹ لسٹ کیا ہے۔
ہائبرڈ یا متوازن میوچل فنڈز میں کیوں سرمایہ کاری کریں؟
ہائبرڈ فنڈز پورٹ فولیو کو متوازن کرنے میں مدد کرتے ہیں۔ جیسا کہ فنڈ دونوں اسٹاک میں سرمایہ کاری کرتا ہے اوربانڈز، سرمایہ کار متوازن میوچل فنڈ میں سرمایہ کاری کرکے آسانی سے ایک متوازن پورٹ فولیو بنا سکتے ہیں۔ یہ اسکیم تنوع کے فوائد بھی فراہم کرتی ہے۔ تنوع مستحکم منافع پیدا کرنے میں مدد کرتا ہے۔ تاکہ اگر ایک فنڈ کم کارکردگی دکھاتا ہے تو دوسرے پورٹ فولیو کو مستحکم کر سکتے ہیں۔ اس سے پورٹ فولیو کا مجموعی خطرہ کم ہو جائے گا۔
ہائبرڈ یا متوازن فنڈز ان لوگوں کے لیے بھی ایک گیٹ وے ہیں جو اپنی ایکویٹی سرمایہ کاری شروع کرنا چاہتے ہیں۔ اس سے مختصر سے درمیانی مدت میں زیادہ سے زیادہ منافع حاصل کرنے میں مدد ملے گی۔ یہ ہمیشہ بدلتے ہوئے ایکویٹی کے بڑے زوال کو بھی روکے گا۔مارکیٹ حالات مزید برآں، ہائبرڈ فنڈز میں اعتدال پسند خطرہ ہوتا ہے، جب کہ ایکویٹی فنڈز میں سرمایہ کاری کا خطرہ زیادہ ہوتا ہے۔
مثالی طور پر، ہائبرڈ فنڈز ان سرمایہ کاروں کے لیے سرمایہ کاری کا ایک اچھا اختیار ہو سکتا ہے جو چاہتے ہیں۔میوچل فنڈز میں سرمایہ کاری کریں۔. ان فنڈز میں دونوں جہانوں میں بہترین ہے: ایکویٹی کے فوائد حاصل کرتے ہوئے aمقررہ آمدنی سرمایہ کاری اس طرح، سرمایہ کار اوپر دیے گئے بہترین ہائبرڈ میوچل فنڈز کا انتخاب کرسکتے ہیں اور اسکیم میں سرمایہ کاری کرکے اچھا منافع کما سکتے ہیں۔
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مالی سال 22 - 23 میں سرمایہ کاری کے لیے سرفہرست 8 ہائبرڈ میوچل فنڈز
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2023 (%) JM Equity Hybrid Fund Growth ₹114.684
↑ 1.90 ₹763 -8.2 -10 11 19.5 22.5 27 HDFC Balanced Advantage Fund Growth ₹483.491
↑ 3.51 ₹95,521 -3.8 -5 9.2 19.4 19.1 16.7 ICICI Prudential Equity and Debt Fund Growth ₹357.31
↑ 2.88 ₹39,770 -4.3 -4 11.8 17.1 20.6 17.2 Sundaram Equity Hybrid Fund Growth ₹135.137
↑ 0.78 ₹1,954 0.5 10.5 27.1 16 14.2 UTI Hybrid Equity Fund Growth ₹381.014
↑ 3.66 ₹6,099 -3.7 -3.4 14.4 15.4 17.4 19.7 BOI AXA Mid and Small Cap Equity and Debt Fund Growth ₹35.14
↑ 0.75 ₹1,108 -6.2 -9.4 10.2 14.8 22.1 25.8 Nippon India Equity Hybrid Fund Growth ₹96.6962
↑ 1.03 ₹3,844 -5.2 -4.3 9.8 13.7 12 16.1 Kotak Equity Hybrid Fund Growth ₹57.754
↑ 0.92 ₹6,913 -4.7 -5.4 14.4 13.5 16.1 21.7 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Jan 25 اثاثے> 500 کروڑ اور ترتیب دیا گیا3 سالسی اے جی آر واپسی.
ہائبرڈ / متوازن میوچل فنڈز کی بنیادی باتیں
1. متوازن فنڈز کو سمجھنا
ہندوستان میں، بیلنس فنڈز عام طور پر اپنے پورٹ فولیو کا 65% اسٹاک/ایکویٹی/حصص میں اور بقیہ وسائل بانڈز اور دیگر قرض کے آلات جیسے کارپوریٹ بانڈ/گورنمنٹ بانڈز/انفراسٹرکچر بانڈز میں لگاتے ہیں۔ لہذا متوازن فنڈز عام طور پر ایکویٹی پر مبنی ہائبرڈ فنڈز ہوتے ہیں۔ وہ پہلی بار سرمایہ کاروں کے لیے ایک مناسب آپشن کے طور پر کام کرتے ہیں جن کے پاس کم-خطرے کی بھوک. وہ ان سرمایہ کاروں کے لیے ہیں جو خطرناک آپشن نہیں لینا چاہتے لیکن پھر بھی چاہتے ہیں۔سرمایہ تعریف اس کے علاوہ قرض پر مبنی ہائبرڈ/متوازن فنڈز ہیں جن میں 65% اور 35% ایکویٹی ہے۔
2. ہائبرڈ میوچل فنڈز کی اقسام
میوچل فنڈز کی حالیہ (مارچ - اپریل 2018) کی بنیاد پرSEBI. ہائبرڈ فنڈ کی اقسام درج ذیل ہیں۔
| قسم | تفصیلات |
|---|---|
| ہائبرڈ ایکویٹی | 65% ایکویٹی 35% قرض |
| ہائبرڈ قرض | 65% قرض 35% ایکویٹی |
| ثالثی | 100% ایکویٹی آربیٹریج |
| متحرک مختص | قیمتوں کی بنیاد پر متحرک Allocaiton |
| ایکویٹی بچت | ثالثی کے مواقع، ایکویٹی / ایکویٹی سے متعلق آلات اور قرض میں سرمایہ کاریکرنسی مارکیٹ آلات |
| کثیر اثاثہ | ایک سے زیادہ اثاثہ پسندفلوٹنگ ریٹ اور مقررہ شرح قرض کے آلات، ایکویٹی، منی مارکیٹ کے آلات اور مشتقات |
| متوازن ہائبرڈ | 50% ایکویٹی 50% قرض |
3. متوازن فنڈز کے فوائد
بیلنس فنڈز میوچل فنڈ کے ایک ہی ڈاکٹ کی شکل میں تنوع کی سہولت فراہم کرتے ہیں۔ ایکسرمایہ کار اس طرح فنڈز کے گلدستے کا تجزیہ اور انتخاب کرنے کی پریشانی سے گزرنا پڑتا ہے۔ ایک پیشہ ورانہ تربیت یافتہ اور تجربہ کار فنڈ مینیجر سرمایہ کار کے لیے یہ کام کرتا ہے۔ قرض اور ایکویٹی اجزاء کا حسابی امتزاج فنڈز کو مارکیٹ کے اتار چڑھاؤ کا کم خطرہ بناتا ہے۔ فنڈ کے ایکویٹی اجزاء کا مقصد سرمائے کی قدر میں اضافہ کرنا ہے اور ان کے قرض کے اجزاء سرمایہ کاری کو مارکیٹ کی غیر متوقع اصلاحات سے بچانے کے لیے سیکیورٹیز کے طور پر کام کرتے ہیں۔
4. متوازن فنڈز کے نقصانات
اگرچہ ایسا لگتا ہے کہ متوازن فنڈز عملی طور پر خطرے سے پاک ہیں، لیکن یہ مکمل طور پر ایسا نہیں ہے۔ متوازن فنڈز کے خطرات کا اپنا حصہ ہوتا ہے۔ جب کہ متعدد اسٹاک اور قرض کے آلات میں براہ راست سرمایہ کاری کی صورت میں، کوئی بھی مختلف فنڈز کے درمیان وسائل کو متنوع کے طور پر منتقل کر سکتا ہے۔ٹیکس پلاننگ یا دولت کی تخلیق۔ تاہم، بیلنس فنڈز میں، چونکہ وسائل کی تقسیم کا فیصلہ فنڈ مینیجر کے پاس ہوتا ہے، اس لیے حسب ضرورت تنوع ممکن نہیں ہے۔
5. بہتر خطرے پر مبنی منافع
متوازن فنڈز نے طویل مدت میں ایکویٹی ریٹرن کے مقابلے بہتر رسک ایڈجسٹ شدہ منافع دیا ہے۔ ذیل میں ایک موازنہ کچھ خاص مفروضوں پر مبنی ہے جو مستقبل میں وقتاً فوقتاً تبدیل ہو سکتا ہے۔
| فنڈ کیٹیگری | 5 سالہ رولنگ ریٹرن | خطرے پر مبنی Std انحراف |
|---|---|---|
| متوازن فنڈز | 13.20% | 2.9 |
| بڑے کیپ فنڈز | 12.90% | 3.47 |
| درمیانی ٹوپی اور لارج کیپ فنڈز | 13.96% | 3.82 |
| متنوع فنڈز | 14.91% | 3.96 |
(Erstwhile JM Balanced Fund) To provide steady current income as well as long term growth of capital. JM Equity Hybrid Fund is a Hybrid - Hybrid Equity fund was launched on 1 Apr 95. It is a fund with Moderately High risk and has given a Below is the key information for JM Equity Hybrid Fund Returns up to 1 year are on (Erstwhile HDFC Growth Fund and HDFC Prudence Fund) Aims to generate long term capital appreciation from a portfolio that is invested predominantly in equity and equity related instruments. HDFC Balanced Advantage Fund is a Hybrid - Dynamic Allocation fund was launched on 11 Sep 00. It is a fund with Moderately High risk and has given a Below is the key information for HDFC Balanced Advantage Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Balanced Fund) To generate long term capital appreciation and current income from a portfolio
that is invested in equity and equity related securities as well as in fixed income
securities. ICICI Prudential Equity and Debt Fund is a Hybrid - Hybrid Equity fund was launched on 3 Nov 99. It is a fund with Moderately High risk and has given a Below is the key information for ICICI Prudential Equity and Debt Fund Returns up to 1 year are on (Erstwhile Sundaram Balanced Fund) The scheme seeks to generate capital appreciation and current income through a judicious mix of investments in equities and fixed income securities. Sundaram Equity Hybrid Fund is a Hybrid - Hybrid Equity fund was launched on 23 Jun 00. It is a fund with Moderately High risk and has given a Below is the key information for Sundaram Equity Hybrid Fund Returns up to 1 year are on (Erstwhile UTI Balanced Fund) The scheme aims to invest in a portfolio of equity/equity related securities and fixed income securities (debt and money market securities) with a view to generating regular income together with capital appreciation. UTI Hybrid Equity Fund is a Hybrid - Hybrid Equity fund was launched on 2 Jan 95. It is a fund with Moderately High risk and has given a Below is the key information for UTI Hybrid Equity Fund Returns up to 1 year are on (Erstwhile BOI AXA Mid Cap Equity And Debt Fund) The scheme's objective is to provide capital appreciation and income distribution to investors from a portfolio constituting of mid cap equity and equity related securities as well as fixed income securities.However there can be no assurance that the investment objectives of the Scheme will be realized BOI AXA Mid and Small Cap Equity and Debt Fund is a Hybrid - Hybrid Equity fund was launched on 20 Jul 16. It is a fund with Moderately High risk and has given a Below is the key information for BOI AXA Mid and Small Cap Equity and Debt Fund Returns up to 1 year are on (Erstwhile Reliance Regular Savings Fund - Balanced Plan) The primary investment objective of this option is to generate consistent returns and appreciation of capital by investing in mix of securities comprising of Equity, Equity related instruments & fixed income instruments. Nippon India Equity Hybrid Fund is a Hybrid - Hybrid Equity fund was launched on 8 Jun 05. It is a fund with Moderately High risk and has given a Below is the key information for Nippon India Equity Hybrid Fund Returns up to 1 year are on (Erstwhile Kotak Balance Fund) The objective of the Scheme is to achieve growth by investing in equity and equity related instruments, balanced with income generation by investing in debt and money market instruments. Kotak Equity Hybrid Fund is a Hybrid - Hybrid Equity fund was launched on 3 Nov 14. It is a fund with Moderately High risk and has given a Below is the key information for Kotak Equity Hybrid Fund Returns up to 1 year are on 1. JM Equity Hybrid Fund
CAGR/Annualized return of 12.6% since its launch. Ranked 35 in Hybrid Equity category. Return for 2024 was 27% , 2023 was 33.8% and 2022 was 8.1% . JM Equity Hybrid Fund
Growth Launch Date 1 Apr 95 NAV (29 Jan 25) ₹114.684 ↑ 1.90 (1.69 %) Net Assets (Cr) ₹763 on 31 Dec 24 Category Hybrid - Hybrid Equity AMC JM Financial Asset Management Limited Rating ☆ Risk Moderately High Expense Ratio 2.36 Sharpe Ratio 1.51 Information Ratio 1.64 Alpha Ratio 11.96 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-60 Days (1%),60 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹13,048 31 Dec 21 ₹16,042 31 Dec 22 ₹17,334 31 Dec 23 ₹23,201 31 Dec 24 ₹29,462 Returns for JM Equity Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jan 25 Duration Returns 1 Month -7.7% 3 Month -8.2% 6 Month -10% 1 Year 11% 3 Year 19.5% 5 Year 22.5% 10 Year 15 Year Since launch 12.6% Historical performance (Yearly) on absolute basis
Year Returns 2023 27% 2022 33.8% 2021 8.1% 2020 22.9% 2019 30.5% 2018 -8.1% 2017 1.7% 2016 18.5% 2015 3% 2014 -0.2% Fund Manager information for JM Equity Hybrid Fund
Name Since Tenure Satish Ramanathan 1 Oct 24 0.25 Yr. Asit Bhandarkar 31 Dec 21 3.01 Yr. Chaitanya Choksi 20 Aug 21 3.37 Yr. Ruchi Fozdar 4 Oct 24 0.24 Yr. Data below for JM Equity Hybrid Fund as on 31 Dec 24
Asset Allocation
Asset Class Value Cash 6.97% Equity 74.56% Debt 18.47% Equity Sector Allocation
Sector Value Technology 13.46% Financial Services 13.39% Consumer Cyclical 11.11% Health Care 10.87% Industrials 9.39% Basic Materials 6.87% Consumer Defensive 3.89% Communication Services 3.43% Energy 1.2% Real Estate 0.94% Debt Sector Allocation
Sector Value Government 11.24% Corporate 7.84% Cash Equivalent 6.36% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Jun 24 | HDFCBANK5% ₹34 Cr 190,000 7.1% Govt Stock 2034
Sovereign Bonds | -4% ₹31 Cr 3,050,000 Infosys Ltd (Technology)
Equity, Since 30 Nov 20 | INFY4% ₹28 Cr 151,000
↓ -19,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 24 | BHARTIARTL4% ₹27 Cr 165,000
↑ 105,000 Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 24 | AXISBANK3% ₹23 Cr 200,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 21 | ICICIBANK3% ₹22 Cr 168,114
↑ 5,114 7.18% Govt Stock 2037
Sovereign Bonds | -2% ₹17 Cr 1,700,000 Bajaj Auto Ltd (Consumer Cyclical)
Equity, Since 31 Oct 23 | BAJAJ-AUTO2% ₹17 Cr 18,280
↑ 3,500 ABB India Ltd (Industrials)
Equity, Since 30 Nov 24 | ABB2% ₹15 Cr 20,000
↑ 20,000 Varun Beverages Ltd (Consumer Defensive)
Equity, Since 30 Apr 24 | VBL2% ₹14 Cr 220,000 2. HDFC Balanced Advantage Fund
CAGR/Annualized return of 18.2% since its launch. Ranked 23 in Dynamic Allocation category. Return for 2024 was 16.7% , 2023 was 31.3% and 2022 was 18.8% . HDFC Balanced Advantage Fund
Growth Launch Date 11 Sep 00 NAV (29 Jan 25) ₹483.491 ↑ 3.51 (0.73 %) Net Assets (Cr) ₹95,521 on 31 Dec 24 Category Hybrid - Dynamic Allocation AMC HDFC Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.43 Sharpe Ratio 1.3 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹10,757 31 Dec 21 ₹13,593 31 Dec 22 ₹16,145 31 Dec 23 ₹21,198 31 Dec 24 ₹24,740 Returns for HDFC Balanced Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jan 25 Duration Returns 1 Month -3.2% 3 Month -3.8% 6 Month -5% 1 Year 9.2% 3 Year 19.4% 5 Year 19.1% 10 Year 15 Year Since launch 18.2% Historical performance (Yearly) on absolute basis
Year Returns 2023 16.7% 2022 31.3% 2021 18.8% 2020 26.4% 2019 7.6% 2018 6.9% 2017 -3.1% 2016 27.9% 2015 9.4% 2014 0.3% Fund Manager information for HDFC Balanced Advantage Fund
Name Since Tenure Anil Bamboli 29 Jul 22 2.43 Yr. Gopal Agrawal 29 Jul 22 2.43 Yr. Arun Agarwal 6 Oct 22 2.24 Yr. Srinivasan Ramamurthy 29 Jul 22 2.43 Yr. Nirman Morakhia 15 Feb 23 1.88 Yr. Dhruv Muchhal 22 Jun 23 1.53 Yr. Data below for HDFC Balanced Advantage Fund as on 31 Dec 24
Asset Allocation
Asset Class Value Cash 15.34% Equity 54.83% Debt 29.83% Equity Sector Allocation
Sector Value Financial Services 23.37% Industrials 9.37% Energy 7.36% Consumer Cyclical 5.52% Technology 4.77% Utility 4.72% Health Care 4.07% Consumer Defensive 2.95% Communication Services 2.61% Basic Materials 1.9% Real Estate 1.3% Debt Sector Allocation
Sector Value Government 17.63% Cash Equivalent 15.75% Corporate 11.8% Credit Quality
Rating Value AA 1.63% AAA 97.01% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 22 | HDFCBANK6% ₹6,091 Cr 33,914,751
↓ -1,650,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK4% ₹3,750 Cr 28,841,624
↑ 1,000,000 State Bank of India (Financial Services)
Equity, Since 31 May 07 | SBIN3% ₹3,310 Cr 39,455,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Dec 21 | RELIANCE3% ₹3,093 Cr 23,937,788
↑ 2,500,000 Infosys Ltd (Technology)
Equity, Since 31 Oct 09 | INFY3% ₹2,803 Cr 15,085,688
↑ 1,771,390 7.38% Govt Stock 2027
Sovereign Bonds | -3% ₹2,770 Cr 272,581,800 NTPC Ltd (Utilities)
Equity, Since 31 Aug 16 | NTPC3% ₹2,558 Cr 70,355,915 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT3% ₹2,412 Cr 6,476,733 7.18% Govt Stock 2033
Sovereign Bonds | -2% ₹2,339 Cr 228,533,300 Coal India Ltd (Energy)
Equity, Since 31 Jan 18 | COALINDIA2% ₹2,326 Cr 55,854,731 3. ICICI Prudential Equity and Debt Fund
CAGR/Annualized return of 15.2% since its launch. Ranked 7 in Hybrid Equity category. Return for 2024 was 17.2% , 2023 was 28.2% and 2022 was 11.7% . ICICI Prudential Equity and Debt Fund
Growth Launch Date 3 Nov 99 NAV (29 Jan 25) ₹357.31 ↑ 2.88 (0.81 %) Net Assets (Cr) ₹39,770 on 31 Dec 24 Category Hybrid - Hybrid Equity AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.78 Sharpe Ratio 1.04 Information Ratio 1.68 Alpha Ratio 3.28 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 Dec 19 ₹10,000 31 Dec 20 ₹10,895 31 Dec 21 ₹15,439 31 Dec 22 ₹17,244 31 Dec 23 ₹22,115 31 Dec 24 ₹25,913 Returns for ICICI Prudential Equity and Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jan 25 Duration Returns 1 Month -2% 3 Month -4.3% 6 Month -4% 1 Year 11.8% 3 Year 17.1% 5 Year 20.6% 10 Year 15 Year Since launch 15.2% Historical performance (Yearly) on absolute basis
Year Returns 2023 17.2% 2022 28.2% 2021 11.7% 2020 41.7% 2019 9% 2018 9.3% 2017 -1.9% 2016 24.8% 2015 13.7% 2014 2.1% Fund Manager information for ICICI Prudential Equity and Debt Fund
Name Since Tenure Sankaran Naren 7 Dec 15 9.08 Yr. Manish Banthia 19 Sep 13 11.29 Yr. Mittul Kalawadia 29 Dec 20 4.01 Yr. Akhil Kakkar 22 Jan 24 0.94 Yr. Sri Sharma 30 Apr 21 3.68 Yr. Sharmila D’mello 31 Jul 22 2.42 Yr. Nitya Mishra 4 Nov 24 0.16 Yr. Data below for ICICI Prudential Equity and Debt Fund as on 31 Dec 24
Asset Allocation
Asset Class Value Cash 10.63% Equity 72.67% Debt 16.07% Equity Sector Allocation
Sector Value Financial Services 21.13% Consumer Cyclical 11.82% Energy 6.3% Utility 6.26% Health Care 5.98% Industrials 5.04% Communication Services 4.72% Consumer Defensive 4.19% Technology 3.27% Basic Materials 2.33% Real Estate 1.49% Debt Sector Allocation
Sector Value Corporate 13.2% Cash Equivalent 7.69% Government 6.44% Credit Quality
Rating Value A 2.14% AA 28.54% AAA 69.32% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jul 12 | ICICIBANK6% ₹2,546 Cr 19,582,012
↑ 2,380 NTPC Ltd (Utilities)
Equity, Since 28 Feb 17 | NTPC6% ₹2,421 Cr 66,583,312
↑ 2,855,370 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 21 | HDFCBANK6% ₹2,295 Cr 12,775,772 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Jul 21 | MARUTI5% ₹1,940 Cr 1,751,389
↑ 24,893 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 16 | BHARTIARTL4% ₹1,598 Cr 9,820,680 Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 May 16 | SUNPHARMA4% ₹1,560 Cr 8,759,126
↑ 197,292 Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 30 Apr 17 | ONGC3% ₹1,260 Cr 49,074,896
↑ 2,537,795 Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 21 | AXISBANK3% ₹1,117 Cr 9,828,478
↑ 3,350,243 Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 22 | RELIANCE3% ₹1,098 Cr 8,498,686 TVS Motor Co Ltd (Consumer Cyclical)
Equity, Since 28 Feb 18 | TVSMOTOR3% ₹1,015 Cr 4,169,052
↑ 164,505 4. Sundaram Equity Hybrid Fund
CAGR/Annualized return of 12.8% since its launch. Ranked 25 in Hybrid Equity category. . Sundaram Equity Hybrid Fund
Growth Launch Date 23 Jun 00 NAV (31 Dec 21) ₹135.137 ↑ 0.78 (0.58 %) Net Assets (Cr) ₹1,954 on 30 Nov 21 Category Hybrid - Hybrid Equity AMC Sundaram Asset Management Company Ltd Rating ☆☆ Risk Moderately High Expense Ratio 2.18 Sharpe Ratio 2.64 Information Ratio -0.12 Alpha Ratio 5.81 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 31 Dec 19 ₹10,000 31 Dec 20 ₹11,035 Returns for Sundaram Equity Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jan 25 Duration Returns 1 Month 1.8% 3 Month 0.5% 6 Month 10.5% 1 Year 27.1% 3 Year 16% 5 Year 14.2% 10 Year 15 Year Since launch 12.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 Fund Manager information for Sundaram Equity Hybrid Fund
Name Since Tenure Data below for Sundaram Equity Hybrid Fund as on 30 Nov 21
Asset Allocation
Asset Class Value Equity Sector Allocation
Sector Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 5. UTI Hybrid Equity Fund
CAGR/Annualized return of 15.1% since its launch. Ranked 12 in Hybrid Equity category. Return for 2024 was 19.7% , 2023 was 25.5% and 2022 was 5.6% . UTI Hybrid Equity Fund
Growth Launch Date 2 Jan 95 NAV (29 Jan 25) ₹381.014 ↑ 3.66 (0.97 %) Net Assets (Cr) ₹6,099 on 31 Dec 24 Category Hybrid - Hybrid Equity AMC UTI Asset Management Company Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 1.91 Sharpe Ratio 1.36 Information Ratio 1.75 Alpha Ratio 5.45 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹11,320 31 Dec 21 ₹14,769 31 Dec 22 ₹15,603 31 Dec 23 ₹19,574 31 Dec 24 ₹23,428 Returns for UTI Hybrid Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jan 25 Duration Returns 1 Month -3.8% 3 Month -3.7% 6 Month -3.4% 1 Year 14.4% 3 Year 15.4% 5 Year 17.4% 10 Year 15 Year Since launch 15.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 19.7% 2022 25.5% 2021 5.6% 2020 30.5% 2019 13.2% 2018 2.5% 2017 -5.6% 2016 25.7% 2015 8.8% 2014 2.4% Fund Manager information for UTI Hybrid Equity Fund
Name Since Tenure V Srivatsa 24 Sep 09 15.28 Yr. Sunil Patil 5 Feb 18 6.91 Yr. Data below for UTI Hybrid Equity Fund as on 31 Dec 24
Asset Allocation
Asset Class Value Cash 3.01% Equity 69.46% Debt 27.52% Equity Sector Allocation
Sector Value Financial Services 22.14% Consumer Cyclical 9.53% Technology 8.44% Basic Materials 6.07% Health Care 5.13% Industrials 4.6% Consumer Defensive 4.55% Communication Services 3.82% Utility 2.31% Energy 1.88% Real Estate 0.98% Debt Sector Allocation
Sector Value Government 22.98% Corporate 4.54% Cash Equivalent 3.01% Credit Quality
Rating Value AA 2.86% AAA 97.14% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 29 Feb 20 | HDFCBANK7% ₹421 Cr 2,341,646 7.18% Govt Stock 2037
Sovereign Bonds | -5% ₹333 Cr 3,250,000,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 10 | ICICIBANK5% ₹314 Cr 2,418,644
↓ -14,433 7.23% Govt Stock 2039
Sovereign Bonds | -4% ₹269 Cr 2,600,000,000 Infosys Ltd (Technology)
Equity, Since 31 Mar 06 | INFY4% ₹236 Cr 1,271,115 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹209 Cr 2,050,000,000 ITC Ltd (Consumer Defensive)
Equity, Since 31 Aug 06 | ITC3% ₹202 Cr 4,242,150 Reliance Industries Ltd (Energy)
Equity, Since 31 Dec 19 | RELIANCE2% ₹132 Cr 1,018,931
↓ -168,251 7.41% Govt Stock 2036
Sovereign Bonds | -2% ₹130 Cr 1,250,000,000 7.32% Govt Stock 2030
Sovereign Bonds | -2% ₹123 Cr 1,200,000,000 6. BOI AXA Mid and Small Cap Equity and Debt Fund
CAGR/Annualized return of 15.9% since its launch. Return for 2024 was 25.8% , 2023 was 33.7% and 2022 was -4.8% . BOI AXA Mid and Small Cap Equity and Debt Fund
Growth Launch Date 20 Jul 16 NAV (29 Jan 25) ₹35.14 ↑ 0.75 (2.18 %) Net Assets (Cr) ₹1,108 on 31 Dec 24 Category Hybrid - Hybrid Equity AMC BOI AXA Investment Mngrs Private Ltd Rating Risk Moderately High Expense Ratio 2.68 Sharpe Ratio 1.66 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹13,114 31 Dec 21 ₹20,258 31 Dec 22 ₹19,292 31 Dec 23 ₹25,795 31 Dec 24 ₹32,448 Returns for BOI AXA Mid and Small Cap Equity and Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jan 25 Duration Returns 1 Month -9.7% 3 Month -6.2% 6 Month -9.4% 1 Year 10.2% 3 Year 14.8% 5 Year 22.1% 10 Year 15 Year Since launch 15.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 25.8% 2022 33.7% 2021 -4.8% 2020 54.5% 2019 31.1% 2018 -4.7% 2017 -14.2% 2016 47.1% 2015 2014 Fund Manager information for BOI AXA Mid and Small Cap Equity and Debt Fund
Name Since Tenure Alok Singh 16 Feb 17 7.88 Yr. Data below for BOI AXA Mid and Small Cap Equity and Debt Fund as on 31 Dec 24
Asset Allocation
Asset Class Value Cash 11.44% Equity 73.08% Debt 15.48% Equity Sector Allocation
Sector Value Basic Materials 12.75% Financial Services 12.51% Industrials 11.41% Consumer Cyclical 10.28% Technology 9.35% Health Care 5.94% Energy 3.72% Consumer Defensive 3.22% Communication Services 2.98% Utility 0.92% Debt Sector Allocation
Sector Value Government 9.22% Corporate 8.88% Cash Equivalent 8.82% Credit Quality
Rating Value AA 1.97% AAA 98.03% Top Securities Holdings / Portfolio
Name Holding Value Quantity Jindal Stainless Ltd (Basic Materials)
Equity, Since 30 Sep 21 | JSL3% ₹28 Cr 410,000 Coforge Ltd (Technology)
Equity, Since 31 May 20 | COFORGE2% ₹25 Cr 29,000
↑ 3,400 Swan Energy Ltd (Industrials)
Equity, Since 31 Dec 23 | SWANENERGY2% ₹22 Cr 355,000
↑ 75,000 Nippon Life India Asset Management Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Jan 24 | NAM-INDIA2% ₹22 Cr 315,000 UNO Minda Ltd (Consumer Cyclical)
Equity, Since 31 Jul 19 | UNOMINDA2% ₹21 Cr 200,000 Indian Railway Finance Corporation Limited
Debentures | -2% ₹20 Cr 2,000,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹20 Cr 2,000,000 Castrol India Ltd (Energy)
Equity, Since 31 Jan 24 | CASTROLIND2% ₹20 Cr 1,001,000 Eris Lifesciences Ltd Registered Shs (Healthcare)
Equity, Since 31 Jul 23 | ERIS2% ₹20 Cr 138,000 Oil India Ltd (Energy)
Equity, Since 31 Mar 23 | OIL2% ₹19 Cr 390,169 7. Nippon India Equity Hybrid Fund
CAGR/Annualized return of 12.2% since its launch. Ranked 8 in Hybrid Equity category. Return for 2024 was 16.1% , 2023 was 24.1% and 2022 was 6.6% . Nippon India Equity Hybrid Fund
Growth Launch Date 8 Jun 05 NAV (29 Jan 25) ₹96.6962 ↑ 1.03 (1.08 %) Net Assets (Cr) ₹3,844 on 31 Dec 24 Category Hybrid - Hybrid Equity AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderately High Expense Ratio 2.02 Sharpe Ratio 1.13 Information Ratio 1.69 Alpha Ratio 3.02 Min Investment 500 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 31 Dec 19 ₹10,000 31 Dec 20 ₹9,471 31 Dec 21 ₹12,103 31 Dec 22 ₹12,901 31 Dec 23 ₹16,006 31 Dec 24 ₹18,587 Returns for Nippon India Equity Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jan 25 Duration Returns 1 Month -4.6% 3 Month -5.2% 6 Month -4.3% 1 Year 9.8% 3 Year 13.7% 5 Year 12% 10 Year 15 Year Since launch 12.2% Historical performance (Yearly) on absolute basis
Year Returns 2023 16.1% 2022 24.1% 2021 6.6% 2020 27.8% 2019 -5.3% 2018 3% 2017 -4.9% 2016 29.5% 2015 4.2% 2014 8.7% Fund Manager information for Nippon India Equity Hybrid Fund
Name Since Tenure Meenakshi Dawar 10 Sep 21 3.31 Yr. Kinjal Desai 25 May 18 6.61 Yr. Sushil Budhia 1 Feb 20 4.92 Yr. Akshay Sharma 1 Dec 22 2.09 Yr. Data below for Nippon India Equity Hybrid Fund as on 31 Dec 24
Asset Allocation
Asset Class Value Cash 3.29% Equity 75.9% Debt 20.8% Equity Sector Allocation
Sector Value Financial Services 23.33% Consumer Cyclical 9.11% Industrials 8.96% Technology 8.37% Health Care 5.99% Consumer Defensive 4.45% Energy 3.69% Utility 3.63% Communication Services 3.27% Basic Materials 2.63% Real Estate 2.22% Debt Sector Allocation
Sector Value Corporate 13.83% Government 6.42% Cash Equivalent 3.29% Securitized 0.55% Credit Quality
Rating Value A 2.77% AA 37.17% AAA 60.06% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 10 | HDFCBANK6% ₹212 Cr 1,182,356 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Apr 12 | ICICIBANK5% ₹204 Cr 1,570,000 Infosys Ltd (Technology)
Equity, Since 28 Feb 11 | INFY4% ₹136 Cr 730,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 28 Feb 13 | LT3% ₹132 Cr 354,838 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Dec 19 | BHARTIARTL3% ₹108 Cr 665,000 Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | AXISBANK3% ₹106 Cr 933,200 Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 14 | RELIANCE3% ₹104 Cr 806,000 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹102 Cr 10,000,000 NTPC Ltd (Utilities)
Equity, Since 31 Aug 20 | NTPC3% ₹102 Cr 2,800,620 State Bank of India (Financial Services)
Equity, Since 31 Jul 16 | SBIN2% ₹85 Cr 1,010,000 8. Kotak Equity Hybrid Fund
CAGR/Annualized return of 12.3% since its launch. Ranked 17 in Hybrid Equity category. Return for 2024 was 21.7% , 2023 was 20.1% and 2022 was 5% . Kotak Equity Hybrid Fund
Growth Launch Date 3 Nov 14 NAV (29 Jan 25) ₹57.754 ↑ 0.92 (1.62 %) Net Assets (Cr) ₹6,913 on 31 Dec 24 Category Hybrid - Hybrid Equity AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 1.85 Sharpe Ratio 1.5 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹11,538 31 Dec 21 ₹14,870 31 Dec 22 ₹15,614 31 Dec 23 ₹18,748 31 Dec 24 ₹22,816 Returns for Kotak Equity Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jan 25 Duration Returns 1 Month -5.5% 3 Month -4.7% 6 Month -5.4% 1 Year 14.4% 3 Year 13.5% 5 Year 16.1% 10 Year 15 Year Since launch 12.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 21.7% 2022 20.1% 2021 5% 2020 28.9% 2019 15.4% 2018 14.1% 2017 -6.2% 2016 23.2% 2015 11% 2014 1.9% Fund Manager information for Kotak Equity Hybrid Fund
Name Since Tenure Abhishek Bisen 4 Jun 09 15.59 Yr. Atul Bhole 22 Jan 24 0.95 Yr. Data below for Kotak Equity Hybrid Fund as on 31 Dec 24
Asset Allocation
Asset Class Value Cash 1.3% Equity 76.48% Debt 22.22% Equity Sector Allocation
Sector Value Financial Services 14.6% Technology 13.42% Basic Materials 10.23% Industrials 10.11% Health Care 6.28% Consumer Cyclical 4.68% Communication Services 3.96% Consumer Defensive 3.64% Utility 3.47% Energy 2.63% Real Estate 1.54% Debt Sector Allocation
Sector Value Government 18.02% Corporate 4.2% Cash Equivalent 1.3% Credit Quality
Rating Value A 0.97% AA 3.43% AAA 95.6% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2037
Sovereign Bonds | -7% ₹460 Cr 44,813,830
↓ -6,500,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 29 Feb 24 | BHARTIARTL4% ₹270 Cr 1,659,465
↑ 180,000 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Jun 11 | HDFCBANK4% ₹255 Cr 1,420,812
↓ -250,000 Infosys Ltd (Technology)
Equity, Since 30 Apr 10 | INFY3% ₹221 Cr 1,189,800 Oracle Financial Services Software Ltd (Technology)
Equity, Since 31 Jan 22 | OFSS3% ₹200 Cr 170,981 Power Finance Corp Ltd (Financial Services)
Equity, Since 31 Jan 24 | PFC3% ₹188 Cr 3,802,007 NTPC Ltd (Utilities)
Equity, Since 31 Jul 19 | NTPC3% ₹176 Cr 4,853,000
↑ 700,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 10 | ICICIBANK2% ₹168 Cr 1,290,708 UltraTech Cement Ltd (Basic Materials)
Equity, Since 30 Sep 24 | ULTRACEMCO2% ₹145 Cr 129,764
↑ 104,764 Wipro Ltd (Technology)
Equity, Since 30 Sep 24 | WIPRO2% ₹140 Cr 2,421,049
ٹیکس کے مضمرات
اوسطاً 65% یا اس سے زیادہ کی ایکویٹی ایکسپوژر والے تمام میوچل فنڈز کو ٹیکس کے مقصد کے لیے ایکویٹی اثاثہ کلاس سمجھا جاتا ہے۔ تو مختصر مدتکیپٹل گینز یعنی ایکویٹی اورینٹڈ بیلنس کے ایک سال کے ساتھ بک کیے گئے منافعوں پر 15% ٹیکس لگایا جاتا ہے۔ اگر یہ فنڈز 12 مہینوں سے زیادہ مدت کے لیے رکھے جاتے ہیں، تو ان کے طویل مدتی کیپٹل گین پر 10% ٹیکس لگایا جاتا ہے اگر منافع روپے سے زیادہ بک کیا جاتا ہے۔ 1 لاکھ (2018 کے تازہ ترین بجٹ کے مطابق)۔
قرض پر مبنی ہائبرڈ فنڈز کے لیے ٹیکس 20% ہے جس میں انڈیکسیشن فائدہ ہوتا ہے جیسا کہ کسی دوسرے قرض کے آلے کی صورت میں ہولڈنگ 3 سال یا اس سے اوپر ہے۔ قلیل مدتی ٹیکس کی معمولی شرح پر ٹیکس لگایا جاتا ہے (ٹیکس سلیب کے مطابق)۔
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