SIP Feed Comparison Chart November2021

Systematic Investment Plans (SIPs) have become a popular way for retail investors to build wealth over time. With dozens of mutual fund houses offering multiple schemes, choosing the right SIP can be overwhelming. The table below summarises the key characteristics of the mostwatched equitylinked SIPs as of November2021, allowing you to compare them sidebyside.

Key Metrics Used in the Comparison

• Fund House The asset management company that runs the scheme.
• Scheme Name Official name of the mutual fund.
• Category Broad asset class (LargeCap, MidCap, FlexiCap, etc.).
• Minimum SIP Amount Smallest monthly contribution accepted.
• Expense Ratio (Annual) Management fees expressed as a percentage of assets.
• 3Year CAGR* Compound annual growth rate over the past three years (as of 30Nov2021).
• Rating (CRISIL) Independent fund rating (5=Excellent, 1=Poor).
• Exit Load Fee charged on redemption within a specified period.
• OpenEnded / CloseEnded Whether the fund accepts continuous purchases.

*CAGR is calculated on the NAVs from 1Jan2019 to 31Dec2021 and does not account for SIP instalments; it is shown for reference only.

SIP Feed Comparison Chart (Nov2021)

Fund House	Scheme Name	Category	Min. SIP ()	Expense Ratio	3Year CAGR	CRISIL Rating	Exit Load	Open/Close
HDFC Mutual Fund	HDFC Top 100 Fund	LargeCap	500	1.55%	12.6%	5	0% after 1yr	OpenEnded
ICICI Prudential	ICICI Prudential Bluechip Fund	LargeCap	500	1.78%	11.9%	4	1% up to 1yr	OpenEnded
SBI Mutual Fund	SBI SmallCap Fund	SmallCap	1,000	2.20%	19.4%	4	0% after 1yr	OpenEnded
Aditya Birla Sun Life	ABSL FlexiCap Fund	FlexiCap	500	1.94%	13.2%	5	0% after 1yr	OpenEnded
UTI Mutual Fund	UTI Nifty Index Fund	Index (Nifty50)	500	0.30%	11.0%	5	0% (no exit load)	OpenEnded
DSP Mutual Fund	DSP MidCap Fund	MidCap	1,000	2.08%	16.8%	4	1% up to 1yr	OpenEnded
Axis Mutual Fund	Axis Long Term Equity Fund	ELSS (TaxSaving)	500	1.87%	14.5%	5	0% after 1yr	OpenEnded
Motilal Oswal	Motilal Oswal Nifty 50 Index Fund	Index (Nifty50)	500	0.25%	11.0%	5	0% (no exit load)	OpenEnded
Franklin Templeton	Franklin India Focused Equity Fund	FocusedCap	1,000	2.04%	13.7%	4	0% after 1yr	OpenEnded
LIC Mutual Fund	LIC MF Growth Fund	LargeCap	500	1.96%	12.1%	4	0% after 1yr	OpenEnded

How to Use This Chart

1. Identify your investment horizon. Longer horizons (10+ years) can tolerate higher volatility, making midcap or smallcap funds attractive despite higher expense ratios.
2. Check the expense ratio. Even a 0.5% difference compounds over time. Index funds such as UTI Nifty Index and Motilal Oswal Nifty 50 have ultralow ratios, making them costeffective for passive investors.
3. Match your risk appetite. Largecap funds (e.g., HDFC Top100) are generally less volatile than smallcap funds (e.g., SBI SmallCap). Look at the 3year CAGR as an indicator, but remember past performance is not a guarantee.
4. Consider taxsaving options. ELSS funds like Axis Long Term Equity offer a 15% tax deduction under Section80C, with the added benefit of a mandatory threeyear lockin.
5. Mind the exit load. Funds that waive exit load after one year give flexibility if you need to redeem early.

Trends Observed in November2021

• Shift towards lowcost index funds. Both UTI and Motilal Oswal index funds have expense ratios below 0.30%, reflecting a growing demand for passive exposure to the Nifty50.
• Higher growth rates in small and midcap segments. SBI SmallCap and DSP MidCap delivered CAGR above 16%, outperforming largecap peers, but they also carry higher volatility.
• ELSS popularity. Axis Long Term Equity topped many investor surveys for its strong track record and tax benefits.
• Consistent CRISIL ratings. Most topperforming funds hold a rating of 4 or 5, underscoring the importance of fund quality alongside returns.

Things to Remember Before Starting a SIP

While the chart gives a snapshot, a successful SIP strategy also depends on personal factors:

• Financial goals: Retirement, childs education, or a downpayment each demand different time frames and risk profiles.
• Emergency fund: Ensure you have 36 months of living expenses in a liquid instrument before committing to regular SIPs.
• Review frequency: Reevaluate your SIP annually. If a funds fundamentals change, consider switching without missing instalments.
• Automation: Set up autodebit to avoid missed payments, which can erode the compounding advantage.

Resources for Further Research

For deeper analysis, you may visit the following sites:

• CRISIL Ratings Detailed fund ratings and methodology.
• AMFI (Association of Mutual Funds in India) Official NAV data and fund documents.
• Morningstar India Independent performance analytics.
• MoneyControl Mutual Funds Comparison tools and user reviews.

By using the comparison chart and keeping the above considerations in mind, you can select a SIP that aligns with your risk tolerance, financial goals, and investment horizon.