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Ab-SIP-karo-Direct-Befikar

List of ICICI Prudential Mutual Funds India 2025

ICICI Prudential Mutual Fund AMC was incorporated on 22, Jun 1993, and has an AUM size of Rs. 9,83,726 Cr as on 30, Jun 2025. ICICI Prudential Mutual Fund has total of 1294 schemes. Schemes managed by AMC :
Decizen(Understand the Method):- Q: Quality,
Compare Funds

Fund Name
a
Category
Expense Ratio
NAV (Rs.)
AUM (Cr.)
Returns Since
Inc (%)
Returns

Past

Avg Rolling
Fund DeciZen
P(%)
Q
ICICI Pru Commodities Fund(G)-Direct Plan
ICICI Pru Commodities Fund(G)-Direct Plan
Equity - Thematic - Other
0.98
45.70
2,912
30.1
15 Oct' 19
-0.68
25.03
35.9
N/A
42.69
32.49
35.64
N/A
Unlock
ICICI Pru Commodities Fund-Reg(G)
ICICI Pru Commodities Fund-Reg(G)
Equity - Thematic - Other
1.99
42.33
2,912
28.4
15 Oct' 19
-0.68
25.03
35.9
N/A
40.75
30.69
33.83
N/A
Unlock
ICICI Pru India Opp Fund(G)-Direct Plan
ICICI Pru India Opp Fund(G)-Direct Plan
Equity - Thematic - Other
0.61
38.89
29,463
23.2
15 Jan' 19
11.76
28.41
32.56
N/A
28.66
29.64
29.36
N/A
Unlock
ICICI Pru India Opp Fund(G)
ICICI Pru India Opp Fund(G)
Equity - Thematic - Other
1.58
35.71
29,463
21.6
15 Jan' 19
11.76
28.41
32.56
N/A
27.02
27.98
27.70
N/A
Unlock
ICICI Pru Manufacturing Fund(G)-Direct Plan
ICICI Pru Manufacturing Fund(G)-Direct Plan
Equity - Thematic - Other
0.72
37.98
6,761
21.8
11 Oct' 18
-0.76
30.1
30.84
N/A
27.03
26.88
27.76
N/A
Unlock
ICICI Pru Manufacturing Fund(G)
ICICI Pru Manufacturing Fund(G)
Equity - Thematic - Other
1.81
35.27
6,761
20.4
11 Oct' 18
-0.76
30.1
30.84
N/A
25.73
25.69
26.50
N/A
Unlock
ICICI Pru MNC Fund(G)-Direct Plan
ICICI Pru MNC Fund(G)-Direct Plan
Equity - Thematic - MNC
1.05
30.53
1,693
20.1
17 Jun' 19
0.04
17.02
23.23
N/A
25.44
22.12
24.53
N/A
Unlock
ICICI Pru Technology Fund(G)-Direct Plan
ICICI Pru Technology Fund(G)-Direct Plan
Equity - Sectoral - Technology
0.96
222.74
14,590
21.4
01 Jan' 13
12.46
16.98
30.07
19.45
22.55
20.23
22.09
20.28
Unlock
ICICI Pru ELSS Tax Saver Fund(G)-Direct Plan
ICICI Pru ELSS Tax Saver Fund(G)-Direct Plan
Equity - ELSS
1.07
1026.72
14,661
16
01 Jan' 13
9.29
20.71
23.02
14.22
15.31
15.44
14.84
15.21
Unlock
ICICI Pru Bharat Consumption Fund(G)-Direct Pl...
ICICI Pru Bharat Consumption Fund(G)-Direct Pl...
Equity - Sectoral - Consumption
1.08
27.19
3,157
17.3
12 Apr' 19
4.56
20.02
21.43
N/A
20.85
21.23
21.45
N/A
Unlock
ICICI Pru Technology Fund(G)
ICICI Pru Technology Fund(G)
Equity - Sectoral - Technology
1.74
200.36
14,590
12.5
03 Mar' 00
12.46
16.98
30.07
19.45
21.46
19.73
20.24
18.01
Unlock
ICICI Pru Equity & Debt Fund(G)-Direct Plan
ICICI Pru Equity & Debt Fund(G)-Direct Plan
Hybrid - Aggressive Hybrid
0.96
434.32
44,552
17.7
01 Jan' 13
10.01
22.5
26.21
16.84
17.65
17.44
16.43
17.18
Unlock
ICICI Pru Large & Mid Cap Fund(G)-Direct Plan
ICICI Pru Large & Mid Cap Fund(G)-Direct Plan
Equity - Large & Mid Cap
0.77
1119.94
22,857
17.1
01 Jan' 13
9.78
26.07
29.46
17.04
17.82
16.71
15.60
16.33
Unlock
ICICI Pru Large Cap Fund(G)-Direct Plan
ICICI Pru Large Cap Fund(G)-Direct Plan
Equity - Large Cap
0.85
120.67
72,336
16.1
01 Jan' 13
7.87
22.68
24.01
15.65
16.04
15.66
15.12
15.51
Unlock
ICICI Pru Large Cap Fund(G)
ICICI Pru Large Cap Fund(G)
Equity - Large Cap
1.42
109.88
72,336
15
23 May' 08
7.87
22.68
24.01
15.65
15.18
14.96
14.31
14.43
Unlock
ICICI Pru Pharma Healthcare & Diagnostics (P.H...
ICICI Pru Pharma Healthcare & Diagnostics (P.H...
Equity - Sectoral - Pharma & Health Care
1.05
43.63
5,728
23.3
13 Jul' 18
22.29
29.93
24.67
N/A
28.43
23.54
26.70
N/A
Unlock
Bharat 22 ETF
Bharat 22 ETF
ETFs - Other
0.07
109.19
17,067
15.6
24 Nov' 17
-0.13
34.16
34.39
N/A
22.14
23.01
21.39
N/A
Unlock
ICICI Pru Pharma Healthcare & Diagnostics (P.H...
ICICI Pru Pharma Healthcare & Diagnostics (P.H...
Equity - Sectoral - Pharma & Health Care
1.89
40.50
5,728
22
13 Jul' 18
22.29
29.93
24.67
N/A
27.12
22.32
25.44
N/A
Unlock
ICICI Pru MNC Fund(G)
ICICI Pru MNC Fund(G)
Equity - Thematic - MNC
2.13
28.20
1,693
18.5
17 Jun' 19
0.04
17.02
23.23
N/A
23.79
20.51
22.91
N/A
Unlock
ICICI Pru Bharat Consumption Fund-Reg(G)
ICICI Pru Bharat Consumption Fund-Reg(G)
Equity - Sectoral - Consumption
2.00
25.31
3,157
15.9
12 Apr' 19
4.56
20.02
21.43
N/A
19.51
19.94
20.11
N/A
Unlock
ICICI Pru LT Wealth Enhancement Fund(G)-Direct...
ICICI Pru LT Wealth Enhancement Fund(G)-Direct...
Equity - ELSS
0.99
29.70
41
16
23 Mar' 18
6.47
22.9
25.85
N/A
19.27
19.73
19.22
N/A
Unlock
ICICI Pru LT Wealth Enhancement Fund(G)
ICICI Pru LT Wealth Enhancement Fund(G)
Equity - ELSS
1.39
28.48
41
15.3
23 Mar' 18
6.47
22.9
25.85
N/A
18.67
19.18
18.67
N/A
Unlock
ICICI Pru Midcap Fund(G)-Direct Plan
ICICI Pru Midcap Fund(G)-Direct Plan
Equity - Mid Cap
1.04
339.04
6,824
20.1
01 Jan' 13
6.18
27.87
31.17
17.5
19.13
18.88
17.41
18.19
Unlock
ICICI Pru Smallcap Fund(G)-Direct Plan
ICICI Pru Smallcap Fund(G)-Direct Plan
Equity - Small cap
0.73
100.52
8,566
18.2
02 Jan' 13
1.2
22.57
33.28
17.75
20.03
18.59
17.45
17.97
Unlock
ICICI Pru Midcap Fund(G)
ICICI Pru Midcap Fund(G)
Equity - Mid Cap
1.86
302.59
6,824
17.9
28 Oct' 04
6.18
27.87
31.17
17.5
18.01
18.41
17.29
15.33
Unlock
ICICI Pru Infrastructure Fund(G)-Direct Plan
ICICI Pru Infrastructure Fund(G)-Direct Plan
Equity - Sectoral - Infrastructure
1.14
215.50
8,043
17.7
01 Jan' 13
5.3
35.57
38.14
19.53
20.61
18.39
16.17
17.28
Unlock
ICICI Pru Value Fund(G)-Direct Plan
ICICI Pru Value Fund(G)-Direct Plan
Equity - Value
0.98
516.37
54,096
19
01 Jan' 13
10.9
25.57
28.89
16.5
17.73
18.29
16.85
17.59
Unlock
ICICI Pru Value Fund(G)
ICICI Pru Value Fund(G)
Equity - Value
1.51
469.92
54,096
20.2
16 Aug' 04
10.9
25.57
28.89
16.5
16.86
17.97
17.10
17.04
Unlock
ICICI Pru Smallcap Fund(G)
ICICI Pru Smallcap Fund(G)
Equity - Small cap
1.78
89.54
8,566
13.1
18 Oct' 07
1.2
22.57
33.28
17.75
18.80
17.61
16.24
14.61
Unlock
ICICI Pru Infrastructure Fund(G)
ICICI Pru Infrastructure Fund(G)
Equity - Sectoral - Infrastructure
1.85
198.64
8,043
16.2
31 Aug' 05
5.3
35.57
38.14
19.53
19.84
17.55
14.03
11.01
Unlock
ICICI Pru Exports & Services Fund(G)
ICICI Pru Exports & Services Fund(G)
Equity - Sectoral - Service Industry
2.26
164.75
1,429
15.3
30 Nov' 05
10.69
24.44
26.88
15.28
15.77
16.89
16.74
15.48
Unlock
ICICI Pru Dividend Yield Equity Fund(G)-Direct...
ICICI Pru Dividend Yield Equity Fund(G)-Direct...
Equity - Dividend Yield
0.58
58.42
5,645
17.1
16 May' 14
7.47
27.89
31.3
17.26
18.89
16.89
15.11
16.87
Unlock
ICICI Pru Multicap Fund(G)-Direct Plan
ICICI Pru Multicap Fund(G)-Direct Plan
Equity - Multi Cap
0.92
896.80
15,533
17.1
01 Jan' 13
6.73
25.64
26.71
15.63
17.58
16.76
15.64
16.31
Unlock
ICICI Pru Equity & Debt Fund(G)
ICICI Pru Equity & Debt Fund(G)
Hybrid - Aggressive Hybrid
1.56
391.47
44,552
15.3
03 Nov' 99
10.01
22.5
26.21
16.84
16.67
16.66
15.85
14.70
Unlock
ICICI Pru Banking & Fin Serv Fund(G)-Direct Pl...
ICICI Pru Banking & Fin Serv Fund(G)-Direct Pl...
Equity - Sectoral - Banks & Financial Services
1.00
151.36
10,088
16.1
01 Jan' 13
14.89
22.26
23.83
14.59
16.91
16.57
15.20
16.14
Unlock
ICICI Pru Exports & Services Fund(G)-Direct Pl...
ICICI Pru Exports & Services Fund(G)-Direct Pl...
Equity - Sectoral - Service Industry
1.68
179.43
1,429
19.4
07 Jan' 13
10.69
24.44
26.88
15.28
16.56
16.52
15.23
15.86
Unlock
ICICI Pru Multicap Fund(G)
ICICI Pru Multicap Fund(G)
Equity - Multi Cap
1.73
803.69
15,533
15.3
01 Oct' 94
6.73
25.64
26.71
15.63
16.49
15.98
14.89
13.71
Unlock
ICICI Pru Focused Equity Fund(G)-Direct Plan
ICICI Pru Focused Equity Fund(G)-Direct Plan
Equity - Focused
0.57
104.80
12,244
16.6
09 Jan' 13
11.61
27.05
26.67
16.41
17.07
15.97
15.30
15.67
Unlock
ICICI Pru Banking & Fin Serv Fund(G)
ICICI Pru Banking & Fin Serv Fund(G)
Equity - Sectoral - Banks & Financial Services
1.80
134.44
10,088
16.6
22 Aug' 08
14.89
22.26
23.83
14.59
15.75
15.74
15.55
16.45
Unlock
ICICI Pru Dividend Yield Equity Fund(G)
ICICI Pru Dividend Yield Equity Fund(G)
Equity - Dividend Yield
1.83
52.39
5,645
16
16 May' 14
7.47
27.89
31.3
17.26
17.72
15.74
14.01
15.75
Unlock
ICICI Pru Large & Mid Cap Fund(G)
ICICI Pru Large & Mid Cap Fund(G)
Equity - Large & Mid Cap
1.65
1002.44
22,857
18.6
09 Jul' 98
9.78
26.07
29.46
17.04
16.74
15.71
14.51
13.23
Unlock
ICICI Pru ELSS Tax Saver Fund(G)
ICICI Pru ELSS Tax Saver Fund(G)
Equity - ELSS
1.71
924.98
14,661
19.1
19 Aug' 99
9.29
20.71
23.02
14.22
14.33
14.85
14.48
14.26
Unlock
ICICI Pru Focused Equity Fund(G)
ICICI Pru Focused Equity Fund(G)
Equity - Focused
1.71
91.43
12,244
14.7
28 May' 09
11.61
27.05
26.67
16.41
15.70
14.71
13.61
12.60
Unlock
ICICI Pru FMCG Fund(G)-Direct Plan
ICICI Pru FMCG Fund(G)-Direct Plan
Equity - Sectoral - Consumption
1.26
539.37
2,044
13.8
01 Jan' 13
-0.83
12.53
15.31
12.13
13.81
14.51
13.91
14.38
Unlock
ICICI Pru FMCG Fund(G)
ICICI Pru FMCG Fund(G)
Equity - Sectoral - Consumption
2.13
489.28
2,044
15.9
31 Mar' 99
-0.83
12.53
15.31
12.13
12.90
13.75
14.18
15.71
Unlock
ICICI Pru Balanced Advantage Fund(G)-Direct Pl...
ICICI Pru Balanced Advantage Fund(G)-Direct Pl...
Hybrid - Balanced Advantage
0.85
82.29
65,298
13.2
01 Jan' 13
10.18
14.9
16.03
11.69
12.34
12.75
12.38
12.65
Unlock
ICICI Pru Balanced Advantage Fund(G)
ICICI Pru Balanced Advantage Fund(G)
Hybrid - Balanced Advantage
1.44
73.77
65,298
11.4
30 Dec' 06
10.18
14.9
16.03
11.69
11.36
12.03
12.22
12.15
Unlock
ICICI Pru Regular Savings Fund(G)-Direct Plan
ICICI Pru Regular Savings Fund(G)-Direct Plan
Hybrid - Conservative Hybrid
0.97
83.63
3,220
10.8
03 Jan' 13
9.16
11.18
10.67
9.63
10.40
10.71
10.50
10.67
Unlock
ICICI Pru Regular Savings Fund-Reg(G)
ICICI Pru Regular Savings Fund-Reg(G)
Hybrid - Conservative Hybrid
1.72
76.01
3,220
10
30 Mar' 04
9.16
11.18
10.67
9.63
9.55
9.99
10.09
10.01
Unlock
ICICI Pru Equity Savings Fund(G)-Direct Plan
ICICI Pru Equity Savings Fund(G)-Direct Plan
Hybrid - Equity Savings
0.50
24.29
14,168
8.7
05 Dec' 14
8.52
9.12
10.23
8.37
8.99
8.69
8.56
9.02
Unlock
ICICI Pru Equity Savings Fund-Reg(G)
ICICI Pru Equity Savings Fund-Reg(G)
Hybrid - Equity Savings
0.98
22.63
14,168
8
05 Dec' 14
8.52
9.12
10.23
8.37
8.27
7.98
7.86
8.30
Unlock
ICICI Pru Business Cycle Fund(G)-Direct Plan
ICICI Pru Business Cycle Fund(G)-Direct Plan
Equity - Thematic - Other
0.72
25.75
13,470
23.4
18 Jan' 21
9.62
26.47
N/A
N/A
23.64
24.57
N/A
N/A
Unlock
ICICI Pru Business Cycle Fund(G)
ICICI Pru Business Cycle Fund(G)
Equity - Thematic - Other
1.70
24.38
13,470
21.9
18 Jan' 21
9.62
26.47
N/A
N/A
22.19
23.10
N/A
N/A
Unlock
ICICI Pru Housing Opp Fund(G)-Direct Plan
ICICI Pru Housing Opp Fund(G)-Direct Plan
Equity - Thematic - Other
1.15
18.21
2,396
20.2
18 Apr' 22
3.76
22.28
N/A
N/A
24.34
21.51
N/A
N/A
Unlock
ICICI Pru Flexicap Fund(G)-Direct Plan
ICICI Pru Flexicap Fund(G)-Direct Plan
Equity - Flexi Cap
0.78
19.52
17,946
18.2
19 Jul' 21
5.36
22.1
N/A
N/A
21.32
21.02
N/A
N/A
Unlock
ICICI Pru Housing Opp Fund-Reg(G)
ICICI Pru Housing Opp Fund-Reg(G)
Equity - Thematic - Other
2.07
17.46
2,396
18.7
18 Apr' 22
3.76
22.28
N/A
N/A
22.75
19.95
N/A
N/A
Unlock
ICICI Pru Flexicap Fund(G)
ICICI Pru Flexicap Fund(G)
Equity - Flexi Cap
1.69
18.60
17,946
16.8
19 Jul' 21
5.36
22.1
N/A
N/A
19.93
19.62
N/A
N/A
Unlock
ICICI Pru ESG Exclusionary Strategy Fund(G)-Di...
ICICI Pru ESG Exclusionary Strategy Fund(G)-Di...
Equity - Thematic - Other
1.00
23.77
1,549
19.9
09 Oct' 20
12.38
23.97
N/A
N/A
19.41
18.89
N/A
N/A
Unlock
ICICI Pru Quant Fund(G)-Direct Plan
ICICI Pru Quant Fund(G)-Direct Plan
Equity - Thematic - Other
1.71
23.75
139
20.6
11 Dec' 20
9.07
21.31
N/A
N/A
18.63
18.48
N/A
N/A
Unlock
ICICI Pru Quant Fund(G)
ICICI Pru Quant Fund(G)
Equity - Thematic - Other
2.33
23.04
139
19.9
11 Dec' 20
9.07
21.31
N/A
N/A
17.86
17.71
N/A
N/A
Unlock
ICICI Pru ESG Exclusionary Strategy Fund(G)
ICICI Pru ESG Exclusionary Strategy Fund(G)
Equity - Thematic - Other
2.14
22.31
1,549
18.3
09 Oct' 20
12.38
23.97
N/A
N/A
17.86
17.35
N/A
N/A
Unlock
ICICI Pru Equity Minimum Variance Fund-Reg(G)
ICICI Pru Equity Minimum Variance Fund-Reg(G)
Equity - Thematic - Other
1.91
10.48
3,770
7.9
06 Dec' 24
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Unlock
ICICI Pru PSU Equity Fund(G)-Direct Plan
ICICI Pru PSU Equity Fund(G)-Direct Plan
Equity - Thematic - Other
0.86
21.69
2,059
31.2
12 Sep' 22
-1
N/A
N/A
N/A
45.66
N/A
N/A
N/A
Unlock
ICICI Pru Transportation and Logistics Fund-Re...
ICICI Pru Transportation and Logistics Fund-Re...
Equity - Thematic - Other
1.99
18.60
3,208
25.5
28 Oct' 22
1.64
N/A
N/A
N/A
34.60
N/A
N/A
N/A
Unlock
ICICI Pru Transportation and Logistics Fund(G)...
ICICI Pru Transportation and Logistics Fund(G)...
Equity - Thematic - Other
1.03
19.28
3,208
27.2
28 Oct' 22
1.64
N/A
N/A
N/A
36.35
N/A
N/A
N/A
Unlock
ICICI Pru Rural Opportunities Fund-Reg(G)
ICICI Pru Rural Opportunities Fund-Reg(G)
Equity - Thematic - Other
2.13
11.20
1,560
27
28 Jan' 25
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Unlock
ICICI Pru Quality Fund(G)-Direct Plan
ICICI Pru Quality Fund(G)-Direct Plan
Equity - Thematic - Other
0.81
10.32
1,933
21.9
23 May' 25
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Unlock
ICICI Pru Equity Minimum Variance Fund(G)-Dire...
ICICI Pru Equity Minimum Variance Fund(G)-Dire...
Equity - Thematic - Other
0.69
10.56
3,770
9.2
06 Dec' 24
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Unlock
ICICI Pru Innovation Fund-Reg(G)
ICICI Pru Innovation Fund-Reg(G)
Equity - Thematic - Other
1.80
18.31
7,060
31.2
28 Apr' 23
7.75
N/A
N/A
N/A
33.06
N/A
N/A
N/A
Unlock
ICICI Pru Rural Opportunities Fund(G)-Direct P...
ICICI Pru Rural Opportunities Fund(G)-Direct P...
Equity - Thematic - Other
0.94
11.26
1,560
28.4
28 Jan' 25
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Unlock
ICICI Pru Quality Fund-Reg(G)
ICICI Pru Quality Fund-Reg(G)
Equity - Thematic - Other
2.07
10.30
1,933
20.4
23 May' 25
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Unlock
ICICI Pru Innovation Fund(G)-Direct Plan
ICICI Pru Innovation Fund(G)-Direct Plan
Equity - Thematic - Other
0.68
18.80
7,060
32.7
28 Apr' 23
7.75
N/A
N/A
N/A
34.66
N/A
N/A
N/A
Unlock
ICICI Pru PSU Equity Fund-Reg(G)
ICICI Pru PSU Equity Fund-Reg(G)
Equity - Thematic - Other
2.07
20.83
2,059
29.3
12 Sep' 22
-1
N/A
N/A
N/A
43.61
N/A
N/A
N/A
Unlock
ICICI Pru Energy Opportunities Fund-Reg(G)
ICICI Pru Energy Opportunities Fund-Reg(G)
Equity - Sectoral - Energy & Power
1.72
10.39
10,359
3.9
22 Jul' 24
N/A
N/A
N/A
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2.97
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ICICI Pru Energy Opportunities Fund(G)-Direct ...
ICICI Pru Energy Opportunities Fund(G)-Direct ...
Equity - Sectoral - Energy & Power
0.52
10.52
10,359
5.2
22 Jul' 24
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4.16
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*Based on the Fund’s Ranking within its Category
Categories: Flexi Cap Funds Large Cap Funds Mid Cap Funds Small Cap Funds Multi Cap Funds Large & Mid Cap Funds Tax Saver Funds Index Funds ETF Funds
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FAQ's
SIP refers to periodic investment in an MF. In this option, you commit to invest a pre-decided amount, at regular intervals, and you get allotted Units based on an MF’s NAV. E.g. Suppose you do an SIP of Rs. 1,000. If, for the 1st month its NAV is Rs. 15, you get 66.67 units. For the 2nd, the NAV is Rs. 25, so you get 40 units. For the 3rd, the NAV is Rs. 20, you get 50 units. At the end of 3 months, you have invested Rs. 3,000 and received 156.67 units at an average NAV of Rs. 19.2.
A Direct Plan means you investing directly thru' an AMC/MF website. As there is no Distributor involved, returns generated by this plan will be higher by the percentage fees paid to a Distributor. We, at MoneyWorks4me, encourage investors to invest in Direct Plans.
Regular Plan is when you invest in an MF scheme through a Distributor or Broker. This means you will end up paying some fees to the Distributor. The fees are directly paid by the AMC to a Distributor. For you as an investor, it is reflected in the lower NAV values, and higher Expense Ratio than a Direct Plan
It is the Fund House or the company responsible for managing investors’ money, and in turn, all the MF schemes.
The money collected by an MF Scheme is invested across asset classes like stocks, debt Funds, gold and cash. The market value of these investments at any given time minus the MF’s liabilities is known as the Fund’s AUM. (E.g. If a Fund’s value of investments is Rs. 100 Cr and liabilities Rs 5 Cr., then AUM is Rs. 95 Cr.) Though, a large AUM denotes a Fund’s popularity and success, it also means restrictions on investing (Fund will have to invest mainly in large companies) and difficulty in replicating past high return performance.
It is the price per unit of the MF scheme. On any given day, NAV is the price at which any investor invests in an MF scheme. NAV = [the market value of all the securities held by the scheme minus its liabilities] ÷ the number of units. Since, market value of securities changes every day, NAV of a scheme also changes every day. Similar to a stock price, a high or low NAV does not affect our investment decision.
A Benchmark is a popular index like the SENSEX, NIFTY or BSE 100, against which a Fund’s performance is gauged. A Fund is supposed to choose a Benchmark based upon the market-section it invests in. E.g. a Mid-Cap Fund may use NSE Midcap Index as its Benchmark. It makes sense to invest in an MF, only if it has consistently beaten its Benchmark performance over a 3-5 year period.
The Expense Ratio is the fee charged by a Mutual Fund for managing its investors’ money. It is shown as a percentage of the Assets Under Management (AUM). E.g. if you invest Rs. 10,000 in a Fund with an Expense Ratio of 1.5%, then you are paying the Fund Rs. 150 to manage your money. As a general rule, you are told to avoid Funds with high Expense Ratio. However, it can also turn to be a good investment, if it consistently generates excess returns (Alpha) over its Expense Ratio.
Load is the fees charged for buying (i.e. Entry load) and selling (i.e. Exit load) MF units. SEBI has scrapped the Entry load wef August 1, 2009. Some Funds may charge Investors an Exit load only on early exit (e.g. within a year of investment) to encourage long-term investment behaviour.
Rolling Returns consider performance on every day or week (or any specified frequency) of a defined period, and hence, tell you how you would have fared regardless of when you chose to invest. E.g. A monthly five-year Rolling Return is return from 1-Jan-2013 to 1-Jan-2018, 1-Feb-2013 to 1Feb-2018, subsequently for all months. For 3-yr or 2-yr rolling, the year changes respectively. We advise our users to look at Rolling Alpha, because it allows you to evaluate the consistency of a Fund’s performance over time - including the ups and downs of market cycles.
Choosing growth option means you will not receive extra units for Dividend declared by the Fund. Instead, the amount will stay invested in the Fund, thereby compounding your returns. Choose this option, if you prefer capital appreciation over regular income from your investment.
An Open-ended Fund or Scheme is one that is available for subscription and re-purchase on a continuous basis. These schemes do not have a fixed maturity period. Investors can conveniently buy and sell units at Net Asset Value (NAV) related prices which are declared on a daily basis. The key feature of open-end schemes is liquidity. The opposite is closed ended where the fund cannot be sold very easily.
Every fund is assessed on the following:
  1. Consistent Outperformers : Track record of having generated returns above a benchmark on a 3-year rolling basis. Consistent performers are Green, followed by Orange. Red have an inconsistent track record on outperforming the index.
  2. The average 3-year rolling returns number appears in the first button.
  3. Quality of Portfolio is assessed based on the quality of each stock held. Predominantly high quality stocks get a Green second button, followed by Orange and Red (large amount of risky stocks).
  4. Upside Potential: Every fund is assessed on what returns it could deliver in the next 5 years based on it.
Select the fund that is Green on Performance which shows it has consistently outperformed the index. Select one with a high average 3-year rolling returns - the number in the first button. And select one with a Green rating on Quality-the second button.
Use the Funds Screener and select the category. It shows the funds with Green on Performance and Quality right on the top. The ones with the higher average 3-year rolling returns are ranked the highest. Funds with less than 5 years returns history are colored Grey on Performance. Since the track record is not for an adequately long period they feature lower in the list.
Build a well-diversified portfolio with funds that assures you of a stable growth through market and economic cycles and funds that enhance your portfolio returns over the long run.
  1. Core Funds: Choose from Large cap, Large and Mid cap and Flexicap funds.
  2. Booster Funds
    1. Choose from Mid and Small cap funds.
    2. Select a Sector or Thematic Fund that is likely to outperform in the long term.
Use the Fund Portfolio Analyzer, Sher-ya-Billi to check if your portfolio will deliver healthy returns or disappoint you. Go to Fund Portfolio Analyzer. You can also upload details of your funds in the Portfolio Manager and see the report on this page.
When adding a new fund check how different is the fund compared to your portfolio by using the link in the Right allocation box on the Fund Decision Maker.
Most investors have more, many more funds that they should-over diversified. This tends to reduce returns. Many investors have more of the same i.e. they have funds that have very similar portfolios and hence the fund portfolio is not well-diversified. Either there are too many large cap dominated funds or far too many mid and small cap funds. What you require is a good, balanced mix. Finally investors don't know when to exit a fund and end up carrying it even though the future upside potential is very low.
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