Top Sip Fund

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Sharekhan April 07, 20161

Mutual Funds Mutual Gains

Visit us at www.sharekhan.com April 07, 2016

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before investing.

For Private Circulation only

Sharekhans top SIP fund picks

Why SIP?

Disciplined investing

Being disciplined is a key to investing success. Through

a systematic investment plan (SIP) you can choose to

invest xed amounts in a mutual fund scheme which

could be as low as Rs500 at regular intervals (like every

month) for a chosen period of time (say for a year).

The amount you invest every month or every quarter

will be used to purchase units of a SIP of a mutual fund

scheme. Small amounts set aside every month towards

well performing SIP mutual fund schemes can make aninvestor achieve his nancial goals in future.

Invest in instruments that beat infation

Equity investing can help you combat rising ination

that diminishes the value of your savings.

SIP over a longer period can reduce the cost per unit

Example (see table below):An investment of Rs24,000

in a mutual fund resulted in a value of Rs25,200 after

12 months; whereas an SIP mutual fund investment of

Rs2,000 per month grew to Rs27,095 after the same

period.

Fewer efforts to opt for SIP

The procedure to invest through SIP is easy. All you

need to do is give post-dated cheques or opt for an auto

debit of a specic amount towards SIP from your bank

account. SIP plans are completely exible. One can

even start an SIP just by placing an order by logging into

Sharekhans online mutual fund page. One can invest

for a minimum of six months or for a long tenure. Also,

there is an option of choosing the investment interval

which could be monthly or quarterly.

Illustrative example

MonthPrice per unit

(Rs)

One-time investment SIP

Amountinvested (Rs)

Unitspurchased

Amountinvested (Rs)

Unitspurchased

Jan-10 20 24,000 1,200 2,000 100.0

Feb-10 18 -- 2,000 111.1

Mar-10 14 -- 2,000 142.9

Apr-10 22 -- 2,000 90.9

May-10 26 -- 2,000 76.9

Jun-10 20 -- 2,000 100.0

Jul-10 18 -- 2,000 111.1

Aug-10 17 -- 2,000 117.7

Sep-10 15 -- 2,000 133.3

Oct-10 18 -- 2,000 111.1

Nov-10 20 -- 2,000 100.0

Dec-10 21 -- 2,000 95.2

Total investment (Rs) 24,000 24,000

Average price (Rs) 20 19

Total units purchased 1,200 1,290

Value of investment after

12 months (Rs)

25,200 27,095

*NAV as on the 1st of every month. These are assumed NAVs in a volatile market.


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Data as on April 01, 2016

SIP investment (monthly Rs1,000)* 1 year 3 years 5 years

Total amount invested (Rs) 12,000 36,000 60,000

Funds would have grown to NAVPresent

value

(Rs)

Compounded

annualised

return (%)

Present

value

(Rs)

Compounded

annualised

return (%)

Present

value

(Rs)

Compounded

annualised

return (%)

Large-cap funds

SBI Bluechip Fund 28 11,948.6 -0.5 45,224.6 8.1 92,088.4 9.1

Birla Sun Life Frontline Equity Fund - Reg 155 11,779.4 -2.0 42,711.1 6.0 86,127.1 7.6

Kotak 50 - Reg 165 11,756.8 -2.2 42,591.0 5.9 82,336.4 6.6

Franklin India Bluechip 343 11,871.3 -1.2 42,292.1 5.7 80,916.9 6.3

Tata Large Cap Fund - Reg 156 11,741.4 -2.4 41,128.1 4.7 79,916.6 6.0

BSE Sensex 25,269.6 11,538.1 -4.2 37,871.6 1.8 71,970.5 3.8

Multi-cap funds

Birla Sun Life Pure Value Fund 38 11,962.7 -0.3 50,839.9 12.6 106,598.0 12.4

ICICI Prudential Value Discovery Fund 109 11,707.3 -2.7 48,290.7 10.6 101,993.2 11.4

SBI Magnum Multi Cap Fund 33 12,069.9 0.6 47,355.6 9.9 94,712.9 9.7

Franklin India Prima Plus 431 11,900.5 -0.9 46,220.2 8.9 92,801.8 9.3

HDFC Capital Builder Fund 194 11,822.0 -1.6 44,050.8 7.2 87,772.1 8.0

BSE 500 10,179.6 11,596.6 -3.7 39,940.8 3.6 75,631.7 4.8

Mid-cap funds

DSP BlackRock Micro Cap Fund - Reg 41 11,991.8 -0.1 58,392.2 18.0 122,887.9 15.7

Franklin India Smaller Companies Fund 38 11,975.4 -0.2 52,912.9 14.1 118,288.5 14.8

Mirae Asset Emerging Bluechip Fund 30 11,849.0 -1.4 52,593.9 13.9 114,096.5 14.0

Kotak Midcap Fund - Reg 52 12,026.2 0.2 50,048.3 12.0 99,932.1 10.9

HDFC Mid-Cap Opportunities Fund 36 11,796.7 -1.9 49,146.8 11.3 102,945.3 11.6

BSE Midcap 10,642.3 11,889.6 -1.0 45,895.0 8.7 86,130.4 7.6

Tax-saving funds

Axis Long Term Equity Fund 29 11,596.7 -3.7 47,120.5 9.7 101,252.6 11.2

Birla Sun Life Tax Relief 96 21 11,818.0 -1.7 46,820.7 9.4 95,092.6 9.8

Franklin India Taxshield 411 11,843.5 -1.4 45,820.3 8.6 91,943.9 9.1

DSP BlackRock Tax Saver Fund 31 11,883.5 -1.1 44,850.7 7.8 90,901.6 8.8

L&T Tax Advantage Fund 36 11,643.9 -3.2 42,573.2 5.9 82,861.5 6.8

Nifty 50 7,713.1 11,602.0 -3.6 38,475.8 2.3 72,934.6 4.0

(*invested on 1st day of every month)

We will be showing compounded annualised returns for three years and ve years from now on.


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Franklin India Prima Plus

Fact sheet

Aims to achieve growth of capital and dividend through a

diversied portfolio.

Schemes performance

Style box analysis

Top 5 sectors

Large-cap

Mid-cap

Small-cap

Growth blend value

Key features

Fund category : Multi-cap

Launch date : September 29, 1994

Minimum investment : Rs5,000

Load structure : If redeemed bet. 0 year to 1 year, exitload is 1%

Fund manager : Anand Radhakrishnan, R Janakiraman,

Neeraj Gaurh

Latest NAV (gr.) : Rs431.1

Latest NAV (div.) : Rs33.1

Expense ratio (%) : 2.2398

AUM : Rs6,388.43 cr

Benchmark Index : Nifty 500

Holdings by market cap

Particulars %

Nifty 50 59.8

Nifty Mid-cap 100 21.9

Nifty Small-cap 100 0.9

BSE Sensex -

Top 5 holdings 24.3

Top 10 holdings 38.4

Top 10 stock holdings (total no. of scrips: 62)

Company name % of net assets

HDFC Bank 7.50Infosys 4.80

ICICI Bank 4.05

Bharti Airtel 4.01

IndusInd Bank 3.98

Dr Reddys Laboratories 3.06

Yes Bank 2.91

Larsen & Toubro 2.80

Axis Bank 2.67

Kotak Mahindra Bank 2.61

Scheme analysis

With more than 19 years of experience, the fund has been an outstanding performer in comparison with both the benchmark in-

dex, Nifty 500, and the category average. Despite the volatility and uncertainties in the market, the fund performed better than

its peers, giving returns of -3.7% over one year as against that of -8.7% and -7.5% given by the benchmark index and the category

average, respectively, in the same period. Over the longer time horizon of three years, the fund has grown at 21.7% compounded

annual growth rate (CAGR) while the Nifty 500 index and the category average have grown at 13% and 17.3% respectively. In the

recent months, the fund has garnered returns of -1.6% as compared with -3.1% and -3.4% returns posted by the benchmark index

and the multi-cap category average.

The fund currently has about 62 stocks in its portfolio. It has nearly 96.06% of its net assets exposed to equity while the rest is

exposed to other money-market instruments. The top ten stocks form about 38.4% of the portfolio. The fund has invested nearly

28.24% of its funds in the nancial services sector followed by automobile and IT with 12.17% and 11.63% allocations respectively.

28.24

12.17

11.63

9.66

8.90

0.00 5.00 10.00 15.00 20.00 25.00 30.00

Financial Services

Automobile

IT

Con sumer Goods

Pharma

-1.6 -3.7

21.7

13.919.1

-3.4

-7.5

17.3

10.4

15.3

-3.1

-8.7

13.0

6.89.0

-15.0

-10.0-5.0

0.0

5.0

10.0

15.0

20.0

25.0

6 Months 1 Year 3 Years 5 Years Since Inception

Franklin India Prima Plus Multi Cap Category Average Nifty 500

Returns < 1 yr: Absolute, > 1yr: CAGR


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Disclaimer

Nothing in this report constitutes investment advice or tax advice in any form and these products may or may not be suitable for you. Investors should make independent judgment taking into account specic investment objectives,

nancial situations and needs before taking any investment decision. Mutual fund investments are subject to market risk. Please read the offer document carefully before investing. Past performance may or may not be sustained

in the future.

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type of circulation and any review, retransmission, or any other use is strictly prohibited. This document is subject to changes without prior notice. This document does not constitute an offer to sell or solicitation for the purchase

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The information contained herein is obtained from publicly available data or other sources believed to be reliable and SHAREKHAN has not independently veried the accuracy and completeness of the said data and hence it should

not be relied upon as such. While we would endeavour to update the information herein on a reasonable basis, SHAREKHAN, its subsidiaries and associated companies, their directors and employees (SHAREKHAN and afliates)

are under no obligation to update or keep the information current. Also, there may be regulatory, compliance, or other reasons that may prevent SHAREKHAN and afliates from doing so. Sharekhan provides non-advisory/order

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any damages of any kind. The analyst certies that all of the views expressed in this document accurately reect his or her personal views about the subject company or companies and its or their securities and do not necessarily

reect those of SHAREKHAN. Further, no part of the analysts compensation was, is or will be, directly or indirectly related to specic recommendations or views expressed in this document.

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