Home > Money > Question
Need Expert Advice?Our Gurus Can Help
Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Nov 20, 2019

Mutual Fund Expert... more
Nandkumar Question by Nandkumar on Nov 20, 2019Hindi
Money

Details of my mutual fund portfolio are as under:

Name of the Fund Category RankMF Star Rating
Axis Blue Chip Mutual Fund Equity - Large Cap Fund 5
Axis Midcap Fund Growth Equity - Midcap Fund 4
CanaraRobeco Equity Diversified Fund Regular Growth Equity - Multi Cap Fund 4
DSP Small Cap Fund Regular Growth Equity - Small cap Fund 2
HDFC Midcap opportunities Fund Growth Equity - Midcap Fund 3
ICICI Prudential Exports and Services Fund Growth Equity - Sectoral Fund - Service Industry 2
IDFC Multi cap Fund Regular Growth Equity - Multi Cap Fund 4
L&T Equity Fund Regular Growth Equity - Multi Cap Fund 4
L&T India Value Fund Regular Growth Equity - Value Fund 3
Nippon India Multicap Fund  Equity - Multi Cap Fund 2
SBI Blue Chip Fund Equity - Large Cap Fund 4
SBI Consumption opportunities Fund Regular Growth Equity - Sectoral Fund - FMCG 3
SBI Focussed Equity Fund Regular Growth Equity - Focused Fund 4

Ans:

All 5 and 4 star rated funds can be continued, rest can be replaced by the funds below in their respective categories.

Large cap Suitable option considering quality and value for money at present levels is Mirae Asset Large Cap Fund

Large and Midcap Suitable option considering quality and value for money at present levels is Kotak Equity opportunity.

Midcap: Suitable option considering quality and value for money at present levels is DSP Midcap and Axis Midcap

Multicap: Suitable options considering quality and value for money at present levels are UTI Equity Fund, Axis Multicap, Motilal Oswal Multicap 35

Focused: Suitable options considering quality and value for money at present levels are Axis Focused 25 and Motilal Oswal Focused 25

Small cap: Suitable options considering quality and value for money at present levels are Kotak Small Cap and Axis Small Cap

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
Money

You may like to see similar questions and answers below

Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Feb 20, 2020

Money
I do a regular investment per month of Rs 9000 as SIP in mutual funds. The funds I am holding currently are:  Name of the Fund Category RankMF Star Rating MohitBhardwaj     1. DSP Equal Nifty 50 Fund-Reg (G)  -Rs 2000 Index Funds - Nifty 2 2. DSP Equity Opportunities Fund-Reg (G) -Rs 1000 Equity - Large & Mid Cap Fund 4 3. DSP Natural Res & New Energy Fund-Reg (G)  - Rs 1000 Equity - Sectoral Fund - Energy & Power 2 4. Franklin India Prima Fund (G)- Rs 1000 Equity - Mid Cap Fund: 2 5. Franklin India Taxshield (G)- Rs 1000 Equity - ELSS 4 6. ICICI PruBluechip Fund (G)- Rs 1000 Equity - Large Cap Fund: 2 7. ICICI Pru Value Discovery Fund (G) - Rs 1000 Equity - Value Fund: 2 8. ICICI Pru Value Fund-16 (G) – Rs 1000 Equity - Value Fund: 2 9. ICICI Pru Value Fund-17 (G)  Equity - Value Fund: 2 10. ICICI Pru Value Fund-18 (G) Equity - Value Fund: 2 11. Invesco India Growth Opp Fund (G) Equity - Large & Mid Cap Fund 4 12. L&T Hybrid Equity Fund-Reg (G)  Hybrid - Aggressive Hybrid Fund 5 13. MotilalOswalMulticap 35 Fund-Reg (G) Equity - Multi Cap Fund: 5 14. Nippon India Capital Builder Fund-IV-A (G)      15. Nippon India NiveshLakshya Fund (G) Debt - Long Duration Fund 5 16. Quantum Long Term Equity Value Fund-Reg (G)   Equity - Value Fund: 2 17. Parikh Long Term Equity Fund-Reg (G) Equity - Multi Cap Fund: 5 18. Tata Hybrid Equity Fund-Reg (G) Hybrid - Aggressive Hybrid Fund 5 I have invested Rs 351,388 till now and my market value is Rs 386,870 which means my annual return is 5.2 per cent. Shall I continue to invest in the above funds or shall I switch to some other better fund as per your advice and what will be my capital (return) if I continue to invest for next 10 years as my current age is 35 years and I wish to invest till my age reach 50.
Ans: You may continue with 4 and 5 star rated funds; for remaining you may consider from below:

Equity - Value Fund:

  • Tata Equity PE Fund - Growth
  • UTI Value Opportunities Fund - Growth Plan

Equity - Multi Cap Fund:

  • UTI Equity Fund – Growth
  • Axis Multicap Fund – Growth

Equity - Large Cap Fund:

  • UTI Mastershare Unit Scheme - Growth Plan
  • LIC MF Large Cap Fund-growth

Equity - Mid Cap Fund:

  • MOSL Midcap 30 Fund – Growth
  • DSP midcap – growth

Equity - Small Cap Fund:

  • Kotak Small Cap Fund – Growth
  • Axis Small cap Fund - Growth

..Read more

Ramalingam

Ramalingam Kalirajan  |9234 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 10, 2024

Listen
Money
Hello - Please assess my mutual fund portfolio. Below are the details: Age-31yrs; Portfolio Age - 7 years (started with a lesser number of funds in 2017 at 5k); Amount Invested - 16.45L Current Value - 25.70L; Monthly SIP - 85k; Portfolio Annualized Return - 20.20%; Increase in SIP - 5-10% annually; Goal - 15cr by 2042; (a).SBI Blue Chip Fund-4k (b).Mirae Asset Large Cap Fund-1k (c).ICICI Prudential Large and Midcap Fund-10k (d).SBI Large and Midcap Fund-10k (e).HDFC Mid-Cap Opportunities Fund-10k (f).KOTAK SMALL CAP FUND-5k (g).Nippon India Small Cap Fund-5k (h).ICICI Prudential Value Discovery-5k (i).HDFC Balance Advantage Fund-5k (j).PARAG PARIKH FLEXI CAP FUND-25k (h).UTI NIFTY INDEX FUND GROWTH PLAN-5k
Ans: Your mutual fund portfolio demonstrates a commendable commitment to long-term wealth accumulation, especially given the significant growth in value and the impressive annualized return of 20.20%. Let's assess your portfolio components and make some recommendations:
1. SBI Blue Chip Fund: With a conservative approach, this fund provides stability and growth potential through investments in large-cap companies. Your allocation of 4k seems reasonable for diversification.
2. Mirae Asset Large Cap Fund, ICICI Prudential Large and Midcap Fund, SBI Large and Midcap Fund: These funds offer exposure to both large and mid-cap segments, providing diversification across market capitalizations. Your allocations are well spread out, contributing to portfolio resilience.
3. HDFC Mid-Cap Opportunities Fund, KOTAK SMALL CAP FUND, Nippon India Small Cap Fund: These funds target mid and small-cap segments, which historically offer higher growth potential. However, they also come with increased volatility. Considering your risk appetite, you might want to review your allocations and ensure they align with your risk tolerance.
4. ICICI Prudential Value Discovery: This fund follows a value-oriented investment strategy, focusing on undervalued stocks with the potential for long-term growth. It adds depth to your portfolio diversification.
5. HDFC Balance Advantage Fund: This dynamic asset allocation fund aims to provide stable returns by adjusting equity exposure based on market valuations. It serves as a hedge during market downturns, enhancing portfolio stability.
6. PARAG PARIKH FLEXI CAP FUND: Known for its flexible investment approach across market capitalizations, this fund complements your portfolio well. Its exposure to international equities adds diversification benefits.
7. UTI NIFTY INDEX FUND GROWTH PLAN: While index funds offer low-cost exposure to market indices, they lack the potential for outperformance compared to actively managed funds. Given your diversified portfolio, it's advisable to review the need for this fund and potentially reallocate the investment to actively managed funds with higher growth potential.
Considering your goal of achieving 15cr by 2042, it's crucial to maintain a disciplined approach towards savings and investment. You're already on the right track with your increasing SIP contributions annually. Regularly review your portfolio's performance and rebalance if necessary to stay aligned with your long-term objectives.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Latest Questions
Nayagam P

Nayagam P P  |7070 Answers  |Ask -

Career Counsellor - Answered on Jun 26, 2025

Career
Hi Sir,I am a student from Andhra Pradesh,In VITEEE I got vit AP cse AIML category 1 and I got seat at scaler institute of technology bangalore. I got 6297 rank in ap EAPCET .I am general ews candidate sir. Please guide me sir
Ans: With a VITEEE seat for CSE (AI & ML) Category 1 at VIT-AP, a confirmed seat at Scaler School of Technology Bangalore, and a 6297 AP EAPCET rank (General EWS), you have three distinct pathways. VIT-AP offers a well-established B.Tech CSE (AI & ML) program with 90%+ placement rates, over 900 recruiters, and strong industry connections; its average packages and placement outcomes are robust, with alumni in top global companies. Scaler School of Technology, though new, boasts a 95% placement record (from Scaler Academy data), partnerships with 900+ companies, and a 96.3% internship rate for its first batch, but its undergraduate program’s first placements are yet to be fully proven. With your EAPCET rank, CSE in top AP government colleges like JNTU Kakinada or Andhra University is out of reach (CSE closes near 2,500–3,500 for EWS), but you may secure CSE or allied branches in reputed private colleges such as GVP Vizag, VR Siddhartha, or Aditya Engineering College, where cutoffs for CSE range up to 6,000–8,000 for EWS and higher for other branches. VIT-AP’s AI & ML program is interdisciplinary, industry-aligned, and provides strong exposure to AI, ML, and data science, preparing graduates for high-demand tech roles. Scaler’s curriculum is cutting-edge, with hands-on projects and mandatory internships, but as a new institution, its long-term placement consistency is not yet established.

The recommendation is to prioritize VIT-AP CSE (AI & ML) Category 1 for its proven placement track record, established industry reputation, and comprehensive curriculum, while keeping Scaler School of Technology as a strong alternative if you value an innovative, startup-like environment and are comfortable with some risk. Participate in AP EAPCET counselling for private colleges as a backup, but VIT-AP offers the most balanced and reliable academic and career prospects among your current options. All the BEST for the Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.
  • Video Reply
  • Audio Reply
  • WhatsApp
  • Facebook
  • Twitter
  • Copy link
  • Delete
x