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SIP vs RD
Which is Better Investment Option?
SIP vs RD? where to invest for better wealth creation? An ultimate approach to generate wealth is saving money every month. Typically, a Systematic Investment plan (SIP) and an RD (Recurring deposit) are two of the most efficient investment options in India to save money every month. Both SIP and RD enable investors to invest small sums of money in regular intervals to earn good returns. With a Systematic Investment Plan (SIP), the investors have to invest a small amount of money, either monthly or quarterly, to earn Market-linked returns. While with an RD (Recurring Deposit), the investor invests fixed amount of money for a pre-decided period to yield fixed returns. Now, the investors can easily calculate SIP returns using a sip calculator and RD returns using an RD Calculator to estimate their investment needs.
In India, few of the most convenient periodic investment options include SIP, RD and PPF (SIP being the most popular one).
SIP Vs RD - Product Structure
Systematic Investment Plan (SIP)
A SIP is an Investing mode to invest a certain amount in Mutual Funds periodically. The minimum amount to invest in a SIP is as less as INR 500. Usually, SIPs in equity are said to offer good returns because they are market linked and can give return commensurate to the market. As per various sources, the SIP returns over long periods can be as high as 12% to 22% p.a., which is much higher than the interest rates offered by an RD (Recurring Deposit). The only disadvantage of a SIP (Systematic Investment Plan) is that the SIP returns are volatile since they are market-linked, so the risk Factor is much higher. However, when invested for long-term, SIPs are considered to offer good returns.
Recurring Deposit (RD)
A Recurring Deposit or RD is an investment scheme in which the investor has to choose an investment amount and the tenure of investment before investing. Under an RD, the investor has to invest monthly over the selected tenure to earn some interest and the invested amount. Generally, the interest rate of RD varies from 7% to 9% p.a. and is consequently higher for senior citizens. The RD return rate is much less than a Fixed Deposit and SIP because an RD earns interest of the entire 12 months only on the first deposit. On the second deposit in an RD, the interest is earned for 11 months, on the third deposit for 10 months and so on. So, there are no compounding benefits in an RD, unlike FD and SIP. The RD returns are fixed and can be calculated easily using an RD calculator. The major disadvantage of a Recurring Deposit is that it is not tax efficient. TDS (Tax Deducted at Source) is applicable on the interest Income from RD.
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Top 7 Performing Balanced Fund SIP
As Balanced Fund have less riskier than Equity Mutual Funds, Balanced Funds can give stable returns over extended period of time. List of funds below are based on last 3 Years annualized returns (CAGR) and funds having net assets over 500 Crore & Fund Age > 3 years.
(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 Dynamic Plan) To generate capital appreciation by actively investing in equity and equity related securities. For defensive considerations, the Scheme may invest in debt, money market instruments and derivatives. The investment manager will have the discretion to take aggressive asset calls i.e. by staying 100% invested in equity market/equity related instruments at a given point of time and 0% at another, in which case, the fund may be invested in debt related instruments at its discretion. The AMC may choose to churn the portfolio of the Scheme in order to achieve the investment objective. The Scheme is suitable for investors seeking high returns and for those who are willing to take commensurate risks. ICICI Prudential Multi-Asset Fund is a Hybrid - Multi Asset fund was launched on 31 Oct 02. It is a fund with Moderately High risk and has given a Below is the key information for ICICI Prudential Multi-Asset Fund Returns up to 1 year are on (Erstwhile UTI Wealth Builder Fund) The objective of the Scheme is to achieve long term capital appreciation by investing predominantly in a diversified portfolio of equity and equity related instruments along with investments in Gold ETFs and Debt and Money Market Instruments. However, there can be no assurance that the investment objective of the Scheme will be achieved. UTI Multi Asset Fund is a Hybrid - Multi Asset fund was launched on 21 Oct 08. It is a fund with Moderately High risk and has given a Below is the key information for UTI Multi Asset 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 Edelweiss Prudent Advantage Fund) The objective of the Scheme is to generate returns through capital appreciation by investing in diversified portfolio of equity and equity-related securities, fixed income instruments and Gold Exchange Traded Funds.
However, there is no assurance that the investment objective of the Scheme will be realized. Edelweiss Multi Asset Allocation Fund is a Hybrid - Multi Asset fund was launched on 12 Aug 09. It is a fund with Moderately High risk and has given a Below is the key information for Edelweiss Multi Asset Allocation 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 (07 Feb 25) ₹117.172 ↓ -0.22 (-0.19 %) 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 Jan 20 ₹10,000 31 Jan 21 ₹12,883 31 Jan 22 ₹16,402 31 Jan 23 ₹17,278 31 Jan 24 ₹25,217 31 Jan 25 ₹27,990 Returns for JM Equity Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Feb 25 Duration Returns 1 Month -4.3% 3 Month -6.4% 6 Month -6.1% 1 Year 10.9% 3 Year 20.2% 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 0.34 Yr. Asit Bhandarkar 31 Dec 21 3.09 Yr. Chaitanya Choksi 20 Aug 21 3.45 Yr. Ruchi Fozdar 4 Oct 24 0.33 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 Infosys Ltd (Technology)
Equity, Since 30 Nov 20 | INFY5% ₹38 Cr 200,000
↑ 49,000 6.92% Govt Stock 2039
Sovereign Bonds | -4% ₹32 Cr 3,200,000
↑ 3,200,000 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Jun 24 | HDFCBANK4% ₹31 Cr 175,000
↓ -15,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 24 | BHARTIARTL3% ₹26 Cr 165,000 6.79% Govt Stock 2034
Sovereign Bonds | -3% ₹23 Cr 2,300,000
↑ 2,300,000 Jubilant Foodworks Ltd (Consumer Cyclical)
Equity, Since 30 Nov 24 | JUBLFOOD3% ₹22 Cr 300,000
↑ 130,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 21 | ICICIBANK3% ₹19 Cr 150,114
↓ -18,000 Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Oct 24 | SUNPHARMA2% ₹19 Cr 100,000
↑ 30,000 Tech Mahindra Ltd (Technology)
Equity, Since 31 Dec 23 | 5327552% ₹17 Cr 100,000
↑ 30,000 Bharat Forge Ltd (Consumer Cyclical)
Equity, Since 31 Aug 23 | 5004932% ₹17 Cr 130,800
↑ 88,000 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 (07 Feb 25) ₹488.069 ↓ -0.66 (-0.14 %) 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 Jan 20 ₹10,000 31 Jan 21 ₹10,871 31 Jan 22 ₹14,369 31 Jan 23 ₹16,223 31 Jan 24 ₹22,283 31 Jan 25 ₹24,545 Returns for HDFC Balanced Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Feb 25 Duration Returns 1 Month -2% 3 Month -3.1% 6 Month -3% 1 Year 8.2% 3 Year 19.6% 5 Year 19.5% 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 2.51 Yr. Gopal Agrawal 29 Jul 22 2.51 Yr. Arun Agarwal 6 Oct 22 2.33 Yr. Srinivasan Ramamurthy 29 Jul 22 2.51 Yr. Nirman Morakhia 15 Feb 23 1.96 Yr. Dhruv Muchhal 22 Jun 23 1.62 Yr. Data below for HDFC Balanced Advantage Fund as on 31 Dec 24
Asset Allocation
Asset Class Value Cash 14.93% Equity 55.06% Debt 30.01% Equity Sector Allocation
Sector Value Financial Services 23.15% Industrials 9.34% Energy 7.11% Consumer Cyclical 5.41% Technology 4.51% Utility 4.49% Health Care 4.29% Consumer Defensive 3.05% Communication Services 2.55% Basic Materials 2.15% Real Estate 1.27% Debt Sector Allocation
Sector Value Government 16.91% Cash Equivalent 15.32% Corporate 12.71% Credit Quality
Rating Value AA 0.89% AAA 99.11% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 22 | HDFCBANK6% ₹6,013 Cr 33,914,751 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK4% ₹3,696 Cr 28,841,624 State Bank of India (Financial Services)
Equity, Since 31 May 07 | SBIN3% ₹3,136 Cr 39,455,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Dec 21 | RELIANCE3% ₹2,910 Cr 23,937,788 Infosys Ltd (Technology)
Equity, Since 31 Oct 09 | INFY3% ₹2,836 Cr 15,085,688 NTPC Ltd (Utilities)
Equity, Since 31 Aug 16 | 5325552% ₹2,345 Cr 70,337,915
↓ -18,000 7.18% Govt Stock 2033
Sovereign Bonds | -2% ₹2,338 Cr 228,533,300 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT2% ₹2,337 Cr 6,476,733 Axis Bank Ltd (Financial Services)
Equity, Since 31 Aug 17 | 5322152% ₹2,323 Cr 21,819,754
↑ 1,832,644 Coal India Ltd (Energy)
Equity, Since 31 Jan 18 | COALINDIA2% ₹2,146 Cr 55,854,731 3. ICICI Prudential Multi-Asset Fund
CAGR/Annualized return of 21.1% since its launch. Ranked 53 in Multi Asset category. Return for 2024 was 16.1% , 2023 was 24.1% and 2022 was 16.8% . ICICI Prudential Multi-Asset Fund
Growth Launch Date 31 Oct 02 NAV (06 Feb 25) ₹711.793 ↓ -1.88 (-0.26 %) Net Assets (Cr) ₹51,027 on 31 Dec 24 Category Hybrid - Multi Asset AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk Moderately High Expense Ratio 1.83 Sharpe Ratio 1.25 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 ₹11,050 31 Jan 22 ₹15,670 31 Jan 23 ₹17,493 31 Jan 24 ₹22,220 31 Jan 25 ₹25,779 Returns for ICICI Prudential Multi-Asset Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Feb 25 Duration Returns 1 Month 1.9% 3 Month 0.3% 6 Month 3.9% 1 Year 15.6% 3 Year 18.2% 5 Year 20.8% 10 Year 15 Year Since launch 21.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 16.1% 2022 24.1% 2021 16.8% 2020 34.7% 2019 9.9% 2018 7.7% 2017 -2.2% 2016 28.2% 2015 12.5% 2014 -1.4% Fund Manager information for ICICI Prudential Multi-Asset Fund
Name Since Tenure Sankaran Naren 1 Feb 12 13.01 Yr. Manish Banthia 22 Jan 24 1.03 Yr. Ihab Dalwai 3 Jun 17 7.67 Yr. Akhil Kakkar 22 Jan 24 1.03 Yr. Sri Sharma 30 Apr 21 3.76 Yr. Gaurav Chikane 2 Aug 21 3.5 Yr. Sharmila D’mello 31 Jul 22 2.51 Yr. Masoomi Jhurmarvala 4 Nov 24 0.24 Yr. Data below for ICICI Prudential Multi-Asset Fund as on 31 Dec 24
Asset Allocation
Asset Class Value Cash 36.91% Equity 48.79% Debt 9.45% Other 4.55% Equity Sector Allocation
Sector Value Financial Services 21.58% Consumer Cyclical 8.85% Basic Materials 6.15% Energy 5.66% Industrials 5.39% Health Care 4.76% Consumer Defensive 4.25% Technology 4.23% Utility 3.09% Communication Services 1.81% Real Estate 0.71% Debt Sector Allocation
Sector Value Cash Equivalent 34.91% Corporate 8.02% Government 3.26% Securitized 0.48% Credit Quality
Rating Value A 1.72% AA 18.93% AAA 79.35% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 May 06 | ICICIBANK5% ₹2,391 Cr 18,656,800 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Aug 21 | MARUTI4% ₹2,015 Cr 1,856,149
↑ 50,000 Nifty 50 Index $$
- | -4% -₹1,974 Cr 829,150
↑ 829,150 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 22 | HDFCBANK3% ₹1,774 Cr 10,005,499 ICICI Prudential Silver ETF
- | -3% ₹1,564 Cr 179,691,983 Reliance Industries Ltd (Energy)
Equity, Since 31 Dec 20 | RELIANCE3% ₹1,476 Cr 12,146,024
↑ 769,000 NTPC Ltd (Utilities)
Equity, Since 31 Mar 17 | 5325553% ₹1,297 Cr 38,913,163
↑ 369,000 Bajaj Finserv Ltd (Financial Services)
Equity, Since 31 Jan 24 | 5329782% ₹1,150 Cr 7,334,716 SBI Cards and Payment Services Ltd Ordinary Shares (Financial Services)
Equity, Since 30 Nov 22 | SBICARD2% ₹1,049 Cr 15,794,626 InterGlobe Aviation Ltd (Industrials)
Equity, Since 28 Feb 23 | INDIGO2% ₹1,039 Cr 2,281,845 4. UTI Multi Asset Fund
CAGR/Annualized return of 12.8% since its launch. Ranked 34 in Multi Asset category. Return for 2024 was 20.7% , 2023 was 29.1% and 2022 was 4.4% . UTI Multi Asset Fund
Growth Launch Date 21 Oct 08 NAV (07 Feb 25) ₹71.1259 ↑ 0.10 (0.15 %) Net Assets (Cr) ₹4,963 on 31 Dec 24 Category Hybrid - Multi Asset AMC UTI Asset Management Company Ltd Rating ☆ Risk Moderately High Expense Ratio 1.62 Sharpe Ratio 1.73 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 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 Jan 20 ₹10,000 31 Jan 21 ₹11,074 31 Jan 22 ₹12,466 31 Jan 23 ₹12,907 31 Jan 24 ₹17,319 31 Jan 25 ₹20,050 Returns for UTI Multi Asset Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Feb 25 Duration Returns 1 Month -0.8% 3 Month -0.3% 6 Month 0.6% 1 Year 14.7% 3 Year 17.6% 5 Year 15% 10 Year 15 Year Since launch 12.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 20.7% 2022 29.1% 2021 4.4% 2020 11.8% 2019 13.1% 2018 3.9% 2017 -0.5% 2016 17.1% 2015 7.3% 2014 -3.7% Fund Manager information for UTI Multi Asset Fund
Name Since Tenure Sharwan Kumar Goyal 12 Nov 21 3.22 Yr. Jaydeep Bhowal 1 Oct 24 0.34 Yr. Data below for UTI Multi Asset Fund as on 31 Dec 24
Asset Allocation
Asset Class Value Cash 14.74% Equity 54.94% Debt 19.83% Other 10.5% Equity Sector Allocation
Sector Value Consumer Cyclical 12.67% Technology 10.73% Financial Services 9.34% Consumer Defensive 7.15% Health Care 6.57% Industrials 6.4% Energy 4.14% Basic Materials 3.7% Communication Services 3.51% Real Estate 1.2% Utility 0.91% Debt Sector Allocation
Sector Value Government 16.28% Cash Equivalent 14.74% Corporate 3.55% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity UTI Gold ETF
- | -11% ₹526 Cr 81,374,023
↑ 644,937 7.1% Govt Stock 2034
Sovereign Bonds | -6% ₹281 Cr 2,750,000,000 ICICI Bank Ltd (Financial Services)
Equity, Since 29 Feb 24 | ICICIBANK3% ₹171 Cr 1,335,953 Reliance Industries Ltd (Energy)
Equity, Since 31 Jan 24 | RELIANCE3% ₹158 Cr 1,300,766 7.32% Govt Stock 2030
Sovereign Bonds | -3% ₹154 Cr 1,500,000,000
↓ -500,000,000 Infosys Ltd (Technology)
Equity, Since 31 Mar 24 | INFY3% ₹141 Cr 752,475 Trent Ltd (Consumer Cyclical)
Equity, Since 31 Oct 23 | 5002512% ₹122 Cr 170,588 Tata Consultancy Services Ltd (Technology)
Equity, Since 29 Feb 24 | TCS2% ₹113 Cr 276,793 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 24 | BHARTIARTL2% ₹113 Cr 709,331
↑ 2,665 Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 31 Oct 22 | M&M2% ₹108 Cr 358,985 5. ICICI Prudential Equity and Debt Fund
CAGR/Annualized return of 15.3% 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 (07 Feb 25) ₹364.05 ↑ 0.08 (0.02 %) 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 Jan 20 ₹10,000 31 Jan 21 ₹11,044 31 Jan 22 ₹16,257 31 Jan 23 ₹17,374 31 Jan 24 ₹23,128 31 Jan 25 ₹26,099 Returns for ICICI Prudential Equity and Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Feb 25 Duration Returns 1 Month -0.4% 3 Month -2.1% 6 Month -1.6% 1 Year 11.6% 3 Year 17.5% 5 Year 21% 10 Year 15 Year Since launch 15.3% 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 9.16 Yr. Manish Banthia 19 Sep 13 11.38 Yr. Mittul Kalawadia 29 Dec 20 4.1 Yr. Akhil Kakkar 22 Jan 24 1.03 Yr. Sri Sharma 30 Apr 21 3.76 Yr. Sharmila D’mello 31 Jul 22 2.51 Yr. Nitya Mishra 4 Nov 24 0.24 Yr. Data below for ICICI Prudential Equity and Debt Fund as on 31 Dec 24
Asset Allocation
Asset Class Value Cash 9.36% Equity 73.28% Debt 16.74% Equity Sector Allocation
Sector Value Financial Services 21.4% Consumer Cyclical 11.97% Energy 6.14% Utility 6% Health Care 5.87% Industrials 5.1% Communication Services 5.06% Consumer Defensive 4.42% Technology 3.26% Basic Materials 2.57% Real Estate 1.49% Debt Sector Allocation
Sector Value Corporate 13.19% Government 6.48% Cash Equivalent 6.31% Securitized 0.73% Credit Quality
Rating Value A 2.08% AA 27.84% AAA 70.07% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jul 12 | ICICIBANK7% ₹2,603 Cr 20,309,765
↑ 727,753 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 21 | HDFCBANK6% ₹2,265 Cr 12,775,772 NTPC Ltd (Utilities)
Equity, Since 28 Feb 17 | 5325556% ₹2,236 Cr 67,083,312
↑ 500,000 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Jul 21 | MARUTI5% ₹1,902 Cr 1,751,389 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 16 | BHARTIARTL4% ₹1,734 Cr 10,920,680
↑ 1,100,000 Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 May 16 | SUNPHARMA4% ₹1,652 Cr 8,759,126 Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 30 Apr 17 | 5003123% ₹1,243 Cr 51,947,874
↑ 2,872,978 Avenue Supermarts Ltd (Consumer Defensive)
Equity, Since 31 Jan 23 | 5403763% ₹1,131 Cr 3,174,094
↑ 545,670 Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 21 | 5322153% ₹1,077 Cr 10,118,478
↑ 290,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 22 | RELIANCE3% ₹1,033 Cr 8,498,686 6. 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 Jan 20 ₹10,000 31 Jan 21 ₹10,835 Returns for Sundaram Equity Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Feb 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 7. Edelweiss Multi Asset Allocation Fund
CAGR/Annualized return of since its launch. Ranked 71 in Multi Asset category. Return for 2024 was 20.2% , 2023 was 25.4% and 2022 was 5.3% . Edelweiss Multi Asset Allocation Fund
Growth Launch Date 12 Aug 09 NAV (07 Feb 25) ₹59.69 ↑ 0.03 (0.05 %) Net Assets (Cr) ₹2,363 on 31 Dec 24 Category Hybrid - Multi Asset AMC Edelweiss Asset Management Limited Rating ☆ Risk Moderately High Expense Ratio 2.18 Sharpe Ratio 1.35 Information Ratio 1.95 Alpha Ratio 5.69 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Jan 20 ₹10,000 31 Jan 21 ₹11,053 31 Jan 22 ₹14,272 31 Jan 23 ₹14,926 31 Jan 24 ₹19,294 31 Jan 25 ₹21,944 Returns for Edelweiss Multi Asset Allocation Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Feb 25 Duration Returns 1 Month -2.9% 3 Month -2.2% 6 Month -1.1% 1 Year 12.9% 3 Year 15.8% 5 Year 16.8% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2023 20.2% 2022 25.4% 2021 5.3% 2020 27.1% 2019 12.7% 2018 10.4% 2017 -0.1% 2016 26.1% 2015 0.2% 2014 2.2% Fund Manager information for Edelweiss Multi Asset Allocation Fund
Name Since Tenure Bhavesh Jain 14 Oct 15 9.31 Yr. Bharat Lahoti 1 Oct 21 3.34 Yr. Rahul Dedhia 1 Jul 24 0.59 Yr. Pranavi Kulkarni 1 Aug 24 0.5 Yr. Data below for Edelweiss Multi Asset Allocation Fund as on 31 Dec 24
Asset Allocation
Asset Class Value Cash 12.82% Equity 75.81% Debt 11.37% Equity Sector Allocation
Sector Value Financial Services 21.85% Health Care 12.41% Consumer Cyclical 8.77% Technology 8.44% Industrials 5.31% Energy 4.64% Consumer Defensive 3.87% Utility 3.52% Communication Services 2.65% Basic Materials 2.23% Real Estate 0.98% Debt Sector Allocation
Sector Value Corporate 12.96% Cash Equivalent 6.57% Government 4.65% Securitized 0.01% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 15 | ICICIBANK6% ₹150 Cr 1,167,577
↑ 113,712 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 15 | HDFCBANK4% ₹104 Cr 585,382 Hdb Financial Services Ltd.
Debentures | -3% ₹75 Cr 7,500,000 6.54% Govt Stock 2032
Sovereign Bonds | -3% ₹74 Cr 7,500,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 19 | BHARTIARTL3% ₹63 Cr 394,006
↓ -17,531 Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Oct 19 | SUNPHARMA3% ₹61 Cr 322,658 NTPC Ltd (Utilities)
Equity, Since 30 Nov 21 | 5325552% ₹57 Cr 1,714,490 HCL Technologies Ltd (Technology)
Equity, Since 31 Jul 20 | HCLTECH2% ₹49 Cr 256,869 Reliance Industries Ltd (Energy)
Equity, Since 31 Aug 20 | RELIANCE2% ₹46 Cr 374,886 Infosys Ltd (Technology)
Equity, Since 31 May 15 | INFY2% ₹43 Cr 226,432
↓ -43,293
SIP Vs RD: Which is Better RD Or SIP?
Difference Between Recurring Deposit and SIP
The factors used here are the rate of return, liquidity, taxation, Volatility, risk factors, etc.
| Factors | Recurring Deposit (RD) | Systematic Investment Plan (SIP) |
|---|---|---|
| Rate of Return | The SIP returns are market-linked and may vary depending on the type of fund and the fund performance. However, the returns of a SIP are usually good when invested for a longer tenure. | The return rate of an RD is fixed due to its Fixed Interest Rate. So, there is no effect of market volatility on this investment. |
| Investment Scheme | In a RD scheme, you will have to invest in a deposit plan that will give you fixed rate of returns. You can also opt for flexible recurring deposit scheme if you are looking for more flexibility. | In a SIP for mutual funds, you can choose between debt or equity type of funds depending on your risk capability. |
| Investment Type | In a Recurring deposit scheme, the investor has to deposit a fixed amount every month. | Systematic Investment Plan is a way to put your money on mutual funds. Investment can be done on a periodic Basis - daily, weekly, monthly or quarterly. |
| Liquidity | To Cancel SIP, the investors can simply close their investment and withdraw their money without any penal charges. | In the case of an RD, the premature withdrawal or closure of the investment will cause penalty charges. |
| Taxation | Recurring Deposit amount or the interest earned on it are not exempted from tax. | SIP investments and returns are exempted from tax only when invested on Equity Linked Savings Scheme (ELSS) funds. |
| Volatility | Being market-linked, the SIP returns are volatile and may vary from fund to fund. | The RD returns are fixed and thus it is not a volatile investment. |
| Risk Factor | The risk factor is almost null in an RD investment as the returns are fixed. It is one of the safest investment. | The risk in SIP is higher than that in an RD, as SIP returns depend on stock market and Asset Allocation. |
| Investment Goal | Recurring Deposits usually serve short-term savings goal and do not help in long-term wealth growth. | SIPs can help in all kinds of investments goals, whether short- or long –term, depending on the frequency of investment, funds chosen and other factors. |
| Installment Frequency | Recurring Deposit usually come with monthly instalments | SIPs offer flexible instalment plans of daily, weekly, monthly, quarterly etc. |
Evaluation: Returns of SIP Vs RD
Which is a better investment option- SIP vs RD? The answer to this question may vary from person to person depending on their personal needs. As you know, the SIP returns are variable while the RD returns are fixed, let’s see how much the investment grows if one invests INR 1,000 in both an RD and a SIP for 1 year (12 months).
RD Return Calculator
The RD interest rate may vary at every Bank, but generally, the interest rate ranges from 7% to 9% p.a. Assuming the interest rate to be 8%, let’s analyse the growth in an RD investment of INR 1,000 monthly for 12 months.
SIP Return Calculator
Assuming the SIP interest rate to be 12%, let’s monitor how your SIP grows if you invest INR 1000 monthly for 1 year through the Power of Compounding.
In conclusion, here are some final tips for investors.
- If you are a risk-averse investor, RD or Recurring Deposit is a better option. The RD interest rate and returns are capped beforehand and are usually not very high, may vary from 7-9% p.a.
- If you wish to take a little risk, SIP is one of the best investment options for long-term investment. As per the analysis, SIPs offer good returns and the interest rates are usually higher, exceeding to 15% p.a. in some cases.
- When investing for 5 years, RD is a safer option for investors who are looking for fixed returns.
- However, when investing for a longer duration (more than 5 years) for a certain financial goal, SIP offers good returns and the money growth is much higher.
“Investing in equity via SIP is like planting a tree, one has to be patient to avail the fruits.”
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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