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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 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 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 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 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 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 12.9% since its launch. Ranked 35 in Hybrid Equity category. Return for 2023 was 33.8% , 2022 was 8.1% and 2021 was 22.9% . JM Equity Hybrid Fund
Growth Launch Date 1 Apr 95 NAV (24 Dec 24) ₹123.661 ↑ 0.31 (0.25 %) Net Assets (Cr) ₹720 on 30 Nov 24 Category Hybrid - Hybrid Equity AMC JM Financial Asset Management Limited Rating ☆ Risk Moderately High Expense Ratio 2.36 Sharpe Ratio 1.96 Information Ratio 1.61 Alpha Ratio 11.84 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 30 Nov 19 ₹10,000 30 Nov 20 ₹12,601 30 Nov 21 ₹15,991 30 Nov 22 ₹17,656 30 Nov 23 ₹22,312 30 Nov 24 ₹29,843 Returns for JM Equity Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 24 Duration Returns 1 Month 1.3% 3 Month -5.1% 6 Month 0.9% 1 Year 27.8% 3 Year 23.1% 5 Year 24% 10 Year 15 Year Since launch 12.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 33.8% 2022 8.1% 2021 22.9% 2020 30.5% 2019 -8.1% 2018 1.7% 2017 18.5% 2016 3% 2015 -0.2% 2014 33.4% Fund Manager information for JM Equity Hybrid Fund
Name Since Tenure Satish Ramanathan 1 Oct 24 0.17 Yr. Asit Bhandarkar 31 Dec 21 2.92 Yr. Chaitanya Choksi 20 Aug 21 3.28 Yr. Ruchi Fozdar 4 Oct 24 0.16 Yr. Data below for JM Equity Hybrid Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 5.94% Equity 74.96% Debt 19.1% Equity Sector Allocation
Sector Value Financial Services 17.09% Technology 11.7% Industrials 10.68% Health Care 9.58% Consumer Cyclical 9.53% Basic Materials 6.19% Consumer Defensive 4.41% Communication Services 3.73% Energy 1.23% Real Estate 0.81% Debt Sector Allocation
Sector Value Government 11.44% Corporate 7.67% Cash Equivalent 5.94% 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% ₹33 Cr 190,000 7.1% Govt Stock 2034
Sovereign Bonds | -5% ₹31 Cr 3,050,000
↑ 500,000 Infosys Ltd (Technology)
Equity, Since 30 Nov 20 | INFY4% ₹30 Cr 170,000
↑ 90,000 Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 24 | 5322153% ₹23 Cr 200,000
↑ 75,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 21 | ICICIBANK3% ₹21 Cr 163,000 ITC Ltd (Consumer Defensive)
Equity, Since 31 Aug 24 | ITC3% ₹20 Cr 410,000
↑ 100,000 7.18% Govt Stock 2037
Sovereign Bonds | -3% ₹17 Cr 1,700,000 Bajaj Auto Ltd (Consumer Cyclical)
Equity, Since 31 Oct 23 | 5329772% ₹15 Cr 14,780
↑ 2,500 Akums Drugs and Pharmaceuticals Ltd (Healthcare)
Equity, Since 31 Jul 24 | AKUMS2% ₹14 Cr 162,542 Varun Beverages Ltd (Consumer Defensive)
Equity, Since 30 Apr 24 | VBL2% ₹13 Cr 220,000 2. HDFC Balanced Advantage Fund
CAGR/Annualized return of 18.4% since its launch. Ranked 23 in Dynamic Allocation category. Return for 2023 was 31.3% , 2022 was 18.8% and 2021 was 26.4% . HDFC Balanced Advantage Fund
Growth Launch Date 11 Sep 00 NAV (24 Dec 24) ₹499.354 ↑ 0.18 (0.04 %) Net Assets (Cr) ₹95,570 on 30 Nov 24 Category Hybrid - Dynamic Allocation AMC HDFC Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.43 Sharpe Ratio 1.98 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 30 Nov 19 ₹10,000 30 Nov 20 ₹9,985 30 Nov 21 ₹13,508 30 Nov 22 ₹16,323 30 Nov 23 ₹19,916 30 Nov 24 ₹24,965 Returns for HDFC Balanced Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 24 Duration Returns 1 Month 0.9% 3 Month -3% 6 Month 2.1% 1 Year 18.5% 3 Year 22.6% 5 Year 20% 10 Year 15 Year Since launch 18.4% Historical performance (Yearly) on absolute basis
Year Returns 2023 31.3% 2022 18.8% 2021 26.4% 2020 7.6% 2019 6.9% 2018 -3.1% 2017 27.9% 2016 9.4% 2015 0.3% 2014 51.8% Fund Manager information for HDFC Balanced Advantage Fund
Name Since Tenure Anil Bamboli 29 Jul 22 2.34 Yr. Gopal Agrawal 29 Jul 22 2.34 Yr. Arun Agarwal 6 Oct 22 2.16 Yr. Srinivasan Ramamurthy 29 Jul 22 2.34 Yr. Nirman Morakhia 15 Feb 23 1.79 Yr. Dhruv Muchhal 22 Jun 23 1.45 Yr. Data below for HDFC Balanced Advantage Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 16.67% Equity 53.2% Debt 30.13% Equity Sector Allocation
Sector Value Financial Services 23.11% Industrials 9.45% Energy 7.72% Consumer Cyclical 4.98% Utility 4.78% Technology 4.34% Health Care 4.26% Consumer Defensive 2.91% Communication Services 2.68% Basic Materials 1.87% Real Estate 1.37% Debt Sector Allocation
Sector Value Government 18.18% Cash Equivalent 16.67% Corporate 11.95% Credit Quality
Rating Value AA 2.32% AAA 96.3% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 22 | HDFCBANK7% ₹6,173 Cr 35,564,751 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK4% ₹3,598 Cr 27,841,624
↑ 53,900 State Bank of India (Financial Services)
Equity, Since 31 May 07 | SBIN3% ₹3,236 Cr 39,455,000 NTPC Ltd (Utilities)
Equity, Since 31 Aug 16 | 5325553% ₹2,872 Cr 70,355,915
↓ -500,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Dec 21 | RELIANCE3% ₹2,856 Cr 21,437,788
↑ 6,417,422 7.38% Govt Stock 2027
Sovereign Bonds | -3% ₹2,767 Cr 272,581,800 Coal India Ltd (Energy)
Equity, Since 31 Jan 18 | COALINDIA3% ₹2,525 Cr 55,854,731
↓ -1,427,383 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT2% ₹2,346 Cr 6,476,733
↑ 3,150 Infosys Ltd (Technology)
Equity, Since 31 Oct 09 | INFY2% ₹2,340 Cr 13,314,298 7.18% Govt Stock 2033
Sovereign Bonds | -2% ₹2,333 Cr 228,533,300 3. ICICI Prudential Equity and Debt Fund
CAGR/Annualized return of 15.4% since its launch. Ranked 7 in Hybrid Equity category. Return for 2023 was 28.2% , 2022 was 11.7% and 2021 was 41.7% . ICICI Prudential Equity and Debt Fund
Growth Launch Date 3 Nov 99 NAV (24 Dec 24) ₹363.14 ↑ 0.17 (0.05 %) Net Assets (Cr) ₹40,089 on 30 Nov 24 Category Hybrid - Hybrid Equity AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.78 Sharpe Ratio 1.74 Information Ratio 1.76 Alpha Ratio 3.85 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,154 30 Nov 21 ₹15,389 30 Nov 22 ₹17,785 30 Nov 23 ₹21,172 30 Nov 24 ₹26,558 Returns for ICICI Prudential Equity and Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 24 Duration Returns 1 Month -0.2% 3 Month -6.8% 6 Month 2.3% 1 Year 19.2% 3 Year 19.6% 5 Year 21.2% 10 Year 15 Year Since launch 15.4% Historical performance (Yearly) on absolute basis
Year Returns 2023 28.2% 2022 11.7% 2021 41.7% 2020 9% 2019 9.3% 2018 -1.9% 2017 24.8% 2016 13.7% 2015 2.1% 2014 45.6% Fund Manager information for ICICI Prudential Equity and Debt Fund
Name Since Tenure Sankaran Naren 7 Dec 15 8.99 Yr. Manish Banthia 19 Sep 13 11.21 Yr. Mittul Kalawadia 29 Dec 20 3.93 Yr. Akhil Kakkar 22 Jan 24 0.86 Yr. Sri Sharma 30 Apr 21 3.59 Yr. Sharmila D’mello 31 Jul 22 2.34 Yr. Nitya Mishra 4 Nov 24 0.07 Yr. Data below for ICICI Prudential Equity and Debt Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 12.19% Equity 71.37% Debt 15.7% Equity Sector Allocation
Sector Value Financial Services 19.95% Consumer Cyclical 11.29% Utility 6.66% Energy 6.35% Health Care 6.05% Industrials 4.92% Communication Services 4.67% Consumer Defensive 3.79% Technology 3.57% Basic Materials 2.32% Real Estate 1.57% Debt Sector Allocation
Sector Value Cash Equivalent 12.19% Corporate 9.49% Government 6.95% Credit Quality
Rating Value A 3.14% AA 29.48% AAA 67.38% Top Securities Holdings / Portfolio
Name Holding Value Quantity NTPC Ltd (Utilities)
Equity, Since 28 Feb 17 | 5325556% ₹2,601 Cr 63,727,942
↑ 920,342 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jul 12 | ICICIBANK6% ₹2,530 Cr 19,579,632 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 21 | HDFCBANK6% ₹2,217 Cr 12,775,772 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Jul 21 | MARUTI5% ₹1,912 Cr 1,726,496
↑ 148,405 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 16 | BHARTIARTL4% ₹1,584 Cr 9,820,680 Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 May 16 | SUNPHARMA4% ₹1,583 Cr 8,561,834 Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 30 Apr 17 | 5003123% ₹1,239 Cr 46,537,101
↑ 8,459,299 Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 22 | RELIANCE3% ₹1,132 Cr 8,498,686
↑ 470,000 TVS Motor Co Ltd (Consumer Cyclical)
Equity, Since 28 Feb 18 | 5323432% ₹999 Cr 4,004,547
↑ 164,262 Avenue Supermarts Ltd (Consumer Defensive)
Equity, Since 31 Jan 23 | 5403762% ₹861 Cr 2,189,548
↑ 1,412,144 4. ICICI Prudential Multi-Asset Fund
CAGR/Annualized return of 21.1% since its launch. Ranked 53 in Multi Asset category. Return for 2023 was 24.1% , 2022 was 16.8% and 2021 was 34.7% . ICICI Prudential Multi-Asset Fund
Growth Launch Date 31 Oct 02 NAV (23 Dec 24) ₹693.724 ↑ 2.00 (0.29 %) Net Assets (Cr) ₹50,988 on 30 Nov 24 Category Hybrid - Multi Asset AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk Moderately High Expense Ratio 1.83 Sharpe Ratio 2.06 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 30 Nov 19 ₹10,000 30 Nov 20 ₹10,235 30 Nov 21 ₹14,818 30 Nov 22 ₹17,535 30 Nov 23 ₹20,900 30 Nov 24 ₹25,544 Returns for ICICI Prudential Multi-Asset Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 24 Duration Returns 1 Month -0.4% 3 Month -4.1% 6 Month 2.6% 1 Year 17.8% 3 Year 19.5% 5 Year 20.4% 10 Year 15 Year Since launch 21.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 24.1% 2022 16.8% 2021 34.7% 2020 9.9% 2019 7.7% 2018 -2.2% 2017 28.2% 2016 12.5% 2015 -1.4% 2014 37% Fund Manager information for ICICI Prudential Multi-Asset Fund
Name Since Tenure Sankaran Naren 1 Feb 12 12.84 Yr. Manish Banthia 22 Jan 24 0.86 Yr. Ihab Dalwai 3 Jun 17 7.5 Yr. Akhil Kakkar 22 Jan 24 0.86 Yr. Sri Sharma 30 Apr 21 3.59 Yr. Gaurav Chikane 2 Aug 21 3.33 Yr. Sharmila D’mello 31 Jul 22 2.34 Yr. Masoomi Jhurmarvala 4 Nov 24 0.07 Yr. Data below for ICICI Prudential Multi-Asset Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 35.79% Equity 49.74% Debt 9.07% Other 5.04% Equity Sector Allocation
Sector Value Financial Services 22.55% Consumer Cyclical 7.97% Basic Materials 6.06% Energy 5.84% Industrials 5.34% Technology 4.69% Health Care 4.66% Consumer Defensive 4.03% Utility 3.68% Communication Services 1.45% Real Estate 0.78% Debt Sector Allocation
Sector Value Cash Equivalent 35.67% Corporate 6.72% Government 2.83% Credit Quality
Rating Value A 1.98% AA 22.48% AAA 75.54% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 May 06 | ICICIBANK5% ₹2,411 Cr 18,656,800 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 22 | HDFCBANK4% ₹2,252 Cr 12,975,499
↓ -776,050 Nifty 50 Index
- | -4% -₹2,245 Cr 920,450
↑ 920,450 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Aug 21 | MARUTI4% ₹1,916 Cr 1,730,200
↑ 159,613 ICICI Prudential Silver ETF
- | -3% ₹1,762 Cr 179,691,983 NTPC Ltd (Utilities)
Equity, Since 31 Mar 17 | 5325553% ₹1,573 Cr 38,544,163 Reliance Industries Ltd (Energy)
Equity, Since 31 Dec 20 | RELIANCE3% ₹1,489 Cr 11,177,024
↑ 800,000 Bajaj Finserv Ltd (Financial Services)
Equity, Since 31 Jan 24 | 5329782% ₹1,214 Cr 6,934,716 SBI Cards and Payment Services Ltd Ordinary Shares (Financial Services)
Equity, Since 30 Nov 22 | SBICARD2% ₹1,087 Cr 15,794,626
↑ 300,000 Infosys Ltd (Technology)
Equity, Since 31 Oct 19 | INFY2% ₹1,005 Cr 5,720,805 5. BOI AXA Mid and Small Cap Equity and Debt Fund
CAGR/Annualized return of 17.6% since its launch. Return for 2023 was 33.7% , 2022 was -4.8% and 2021 was 54.5% . BOI AXA Mid and Small Cap Equity and Debt Fund
Growth Launch Date 20 Jul 16 NAV (24 Dec 24) ₹39.09 ↑ 0.06 (0.15 %) Net Assets (Cr) ₹1,054 on 30 Nov 24 Category Hybrid - Hybrid Equity AMC BOI AXA Investment Mngrs Private Ltd Rating Risk Moderately High Expense Ratio 2.68 Sharpe Ratio 1.87 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 30 Nov 19 ₹10,000 30 Nov 20 ₹12,521 30 Nov 21 ₹19,201 30 Nov 22 ₹19,268 30 Nov 23 ₹24,933 30 Nov 24 ₹32,055 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 24 Dec 24 Duration Returns 1 Month 4.2% 3 Month -0.8% 6 Month 4.9% 1 Year 27.3% 3 Year 18.5% 5 Year 26.9% 10 Year 15 Year Since launch 17.6% Historical performance (Yearly) on absolute basis
Year Returns 2023 33.7% 2022 -4.8% 2021 54.5% 2020 31.1% 2019 -4.7% 2018 -14.2% 2017 47.1% 2016 2015 2014 Fund Manager information for BOI AXA Mid and Small Cap Equity and Debt Fund
Name Since Tenure Alok Singh 16 Feb 17 7.79 Yr. Data below for BOI AXA Mid and Small Cap Equity and Debt Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 11.25% Equity 73.64% Debt 15.11% Equity Sector Allocation
Sector Value Basic Materials 13.53% Financial Services 11.73% Industrials 11.43% Consumer Cyclical 10.53% Technology 9.51% Health Care 6.16% Energy 3.91% Communication Services 2.91% Consumer Defensive 2.77% Utility 1.15% Debt Sector Allocation
Sector Value Cash Equivalent 11.25% Government 9.39% Corporate 5.72% Credit Quality
Rating Value AA 2.16% AAA 97.84% Top Securities Holdings / Portfolio
Name Holding Value Quantity Jindal Stainless Ltd (Basic Materials)
Equity, Since 30 Sep 21 | JSL3% ₹28 Cr 410,000
↑ 25,000 Nippon Life India Asset Management Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Jan 24 | NAM-INDIA2% ₹22 Cr 315,000
↑ 35,000 Castrol India Ltd (Energy)
Equity, Since 31 Jan 24 | 5008702% ₹21 Cr 1,001,000 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 UNO Minda Ltd (Consumer Cyclical)
Equity, Since 31 Jul 19 | UNOMINDA2% ₹20 Cr 200,000 Coforge Ltd (Technology)
Equity, Since 31 May 20 | COFORGE2% ₹20 Cr 25,600
↑ 7,600 Oil India Ltd (Energy)
Equity, Since 31 Mar 23 | 5331062% ₹18 Cr 390,169
↓ -84,831 Eris Lifesciences Ltd Registered Shs (Healthcare)
Equity, Since 31 Jul 23 | ERIS2% ₹18 Cr 138,000 Small Industries Development Bank Of India
Debentures | -2% ₹18 Cr 1,800,000 6. UTI Multi Asset Fund
CAGR/Annualized return of 12.9% since its launch. Ranked 34 in Multi Asset category. Return for 2023 was 29.1% , 2022 was 4.4% and 2021 was 11.8% . UTI Multi Asset Fund
Growth Launch Date 21 Oct 08 NAV (24 Dec 24) ₹71.3566 ↓ -0.03 (-0.04 %) Net Assets (Cr) ₹4,682 on 30 Nov 24 Category Hybrid - Multi Asset AMC UTI Asset Management Company Ltd Rating ☆ Risk Moderately High Expense Ratio 1.62 Sharpe Ratio 2.21 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 30 Nov 19 ₹10,000 30 Nov 20 ₹10,889 30 Nov 21 ₹12,481 30 Nov 22 ₹13,175 30 Nov 23 ₹16,191 30 Nov 24 ₹20,498 Returns for UTI Multi Asset Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 24 Duration Returns 1 Month 0.4% 3 Month -4.1% 6 Month 3.9% 1 Year 22.1% 3 Year 18% 5 Year 15.5% 10 Year 15 Year Since launch 12.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 29.1% 2022 4.4% 2021 11.8% 2020 13.1% 2019 3.9% 2018 -0.5% 2017 17.1% 2016 7.3% 2015 -3.7% 2014 22.7% Fund Manager information for UTI Multi Asset Fund
Name Since Tenure Sharwan Kumar Goyal 12 Nov 21 3.05 Yr. Jaydeep Bhowal 1 Oct 24 0.17 Yr. Data below for UTI Multi Asset Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 24.93% Equity 49% Debt 13.9% Other 12.17% Equity Sector Allocation
Sector Value Consumer Cyclical 12.93% Financial Services 9.63% Technology 9.3% Industrials 7.8% Consumer Defensive 6.71% Health Care 5.66% Energy 5% Basic Materials 3.93% Communication Services 3.23% Utility 1.81% Real Estate 1.49% Debt Sector Allocation
Sector Value Cash Equivalent 24.93% Government 13.9% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity UTI Gold ETF
- | -12% ₹542 Cr 80,729,086
↓ -3,504,519 7.32% Govt Stock 2030
Sovereign Bonds | -5% ₹205 Cr 2,000,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -4% ₹178 Cr 1,750,000,000
↑ 250,000,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Jan 24 | RELIANCE4% ₹160 Cr 1,199,266
↑ 170,130 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 24 | BHARTIARTL3% ₹114 Cr 706,666
↑ 165,932 Infosys Ltd (Technology)
Equity, Since 31 Mar 24 | INFY3% ₹110 Cr 628,694
↑ 532,694 7.23% Govt Stock 2039
Sovereign Bonds | -2% ₹103 Cr 1,000,000,000 ICICI Bank Ltd (Financial Services)
Equity, Since 29 Feb 24 | ICICIBANK2% ₹91 Cr 706,680
↑ 555,210 Tata Consultancy Services Ltd (Technology)
Equity, Since 29 Feb 24 | TCS2% ₹91 Cr 229,000
↑ 62,799 Trent Ltd (Consumer Cyclical)
Equity, Since 31 Oct 23 | 5002512% ₹88 Cr 123,450
↑ 7,807 7. Edelweiss Multi Asset Allocation Fund
CAGR/Annualized return of since its launch. Ranked 71 in Multi Asset category. Return for 2023 was 25.4% , 2022 was 5.3% and 2021 was 27.1% . Edelweiss Multi Asset Allocation Fund
Growth Launch Date 12 Aug 09 NAV (24 Dec 24) ₹61.2 ↓ -0.04 (-0.07 %) Net Assets (Cr) ₹2,267 on 30 Nov 24 Category Hybrid - Multi Asset AMC Edelweiss Asset Management Limited Rating ☆ Risk Moderately High Expense Ratio 2.18 Sharpe Ratio 1.69 Information Ratio 1.84 Alpha Ratio 2.69 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,765 30 Nov 21 ₹14,273 30 Nov 22 ₹15,555 30 Nov 23 ₹18,212 30 Nov 24 ₹22,762 Returns for Edelweiss Multi Asset Allocation Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 24 Duration Returns 1 Month 1.9% 3 Month -4.4% 6 Month 5.1% 1 Year 21.1% 3 Year 17.4% 5 Year 17.9% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2023 25.4% 2022 5.3% 2021 27.1% 2020 12.7% 2019 10.4% 2018 -0.1% 2017 26.1% 2016 0.2% 2015 2.2% 2014 38.4% Fund Manager information for Edelweiss Multi Asset Allocation Fund
Name Since Tenure Bhavesh Jain 14 Oct 15 9.14 Yr. Bharat Lahoti 1 Oct 21 3.17 Yr. Rahul Dedhia 1 Jul 24 0.42 Yr. Pranavi Kulkarni 1 Aug 24 0.33 Yr. Data below for Edelweiss Multi Asset Allocation Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 12.51% Equity 70.08% Debt 17.41% Equity Sector Allocation
Sector Value Financial Services 18.8% Consumer Cyclical 12.22% Technology 8.28% Health Care 6.34% Industrials 5.8% Utility 4.53% Energy 4.17% Consumer Defensive 3.28% Communication Services 2.83% Basic Materials 2.82% Real Estate 1.01% Debt Sector Allocation
Sector Value Cash Equivalent 12.51% Government 10.81% Corporate 6.58% Securitized 0.01% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.26% Govt Stock 2033
Sovereign Bonds | -6% ₹128 Cr 12,500,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 15 | ICICIBANK5% ₹119 Cr 922,915 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 15 | HDFCBANK3% ₹77 Cr 441,172 Hdb Financial Services Ltd.
Debentures | -3% ₹74 Cr 7,500,000 6.54% Govt Stock 2032
Sovereign Bonds | -3% ₹74 Cr 7,500,000 NTPC Ltd (Utilities)
Equity, Since 30 Nov 21 | 5325553% ₹65 Cr 1,602,337 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 19 | BHARTIARTL3% ₹62 Cr 384,375 Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Oct 19 | SUNPHARMA3% ₹60 Cr 326,791 Infosys Ltd (Technology)
Equity, Since 31 May 15 | INFY2% ₹47 Cr 269,725 HCL Technologies Ltd (Technology)
Equity, Since 31 Jul 20 | HCLTECH2% ₹46 Cr 260,748
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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