WEALTH

 INSIGHT  MAGAZINE  

CONTENTS  
04  
The Terrible, Horrible,
Terminal, Apocalyptic
09  
Indian Bank Scam
04  


The Social Mesh:
07   recent data leaks,
where do we stand?

07  
Health management is
09   the biggest

12  
Education inflation is
the real deal, start
wealth management

planning for it

09   15   Market Insider

03   17   Scorecard

12   12  

The world's heaviest currency is the Rai stone. They're

found on the island of Yap and weigh up to 7.6 tons.
WEALTHY & WISE
PAGE 04

The Terrible, Horrible, Terminal,

Apocalyptic Indian Bank Scam

Just the other day, when I took an The informed set of investors would
Uber for airport commute, I picked want to understand the implications
up a conversation with the cab
of FRDI Bill. FRDI stands for
driver about his saving habits.
Financial Resolution Deposit
During the course, he abruptly
Insurance but has become
asked, “Sir, I have an account with
s y n o n y m o u s
Punjab National Bank. After this with Fear Running Deep Inside. A
Nirav Modi scam, is my money safe
casual search on YouTube about
in the bank? I have heard rumors
FRDI will yield a generous 25-30
that PNB will start putting
videos full of warning in Hindi,
restrictions on withdrawals. If
Telugu, Tamil and Kannada. Most
someday, the bank closes down, videos will tell you that the crony
what will happen to my money.”
politics, shady banking and
capitalist nexus, will soon usurp
Over last few months, this has been
your money,
a typical question being raised
generally. I received calls from my
clients asking for clarification about
the safety of their money or their
friends / relatives money kept at
PNB.
WEALTHY & WISE
Banking fiascos are not new in
India or elsewhere in the west.
Recent being PNB scam which
jolted the nation on the whole from
political class to labor class. One
interesting thing about PNB in
particular, which many of us may
not be aware of, is that PNB was
the first Indian bank to be purely
funded with Indian capital during
the British era. The bank, which had
the privilege of maintaining
accounts of Mahatma Gandhi,
Jawaharlal Nehru, Lal Bahadur
Shastri & many more distinguished
personalities, is nowadays in the
headlines for all the wrong reasons.
PAGE 05
Bank frauds & crisis have been part
of Indian financial history for as long
as one remembers. Do you know
the year 2017 was the 150 th
anniversary of failure of Presidency
Bank of Bombay (PBB)? In 1860
the British started relying hugely on
Bombay cotton markets, as
supplies from the USA was on
decline due to the civil war. In this
situation PBB began to issue loans
recklessly against shares of private
companies and even on just
personal security. Then, as the civil
war ended, the euphoria in the
Indian cotton market turned to
panic. These events lead to closure
of the bank. Fast-forward to 20th
century there were bad loan crises
in 1970s, 1980s and 1990s. You
name the decade, which didn’t see
bank frauds one-way or another.
There were stock market scams in
1992 and 2001, arising out of
fraudulent banking. And now,
joining in this ever-growing list of
scams, are scandals like PNB-Nirav
Modi, Rotomac scandal, ICICi-Axis
scandal, NPA’s, etc.
WEALTHY & WISE
One response to recent scams has
been to point fingers at public
sector banks, and suggest that
privatization would create the right
incentives. Since PSBs are at the
receiving end of an enormous
amount of flak on account of NPAs,
it’s worth mentioning that Gross
NPAs as a proportion of total loans
at State Bank of India (SBI), the
largest bank in India, stood at 10.35
per cent in the quarter ended
December 31, 2017. At the second
largest bank, the private sector,
ICICI Bank, NPAs on the same date
stood at 7.82 per cent, just two
percentage points lower. Yet,
nobody pointed out any managerial
incompetence at ICICI Bank until
Videcon – Nupower issue came up.
We need to understand that these
problems are not isolated to just
public sector banks but spread
across whole banking system.
PAGE 06
There has been so much noise
amidst recent scams that banking
system might be going towards total
breakdown. What we forget is that,
Indian banks might be mismanaged
and under-capitalized, but the
government of India will always be
firmly behind them in case of any
crisis. Account holders with these
banks are a massive voter class.
Therefore, eventually, political
prudence will prevail over fiscal
prudence and the bank will be
saved. So, there is no need to
panic. What we really need is clarity
in solving these banking
flaws. Having said that, they should
also be mindful that these events
are getting far more common than
imagined & government should
work upon to make safer and
efficient banking system to service
the needs of a growing economy.
The needs of the hour are, better
banking supervision, better
reporting and better security
integration. The average Indian
consumer should take some solace
from our country's banking history
as they have resolved fair number
of scams and crises in the past.
Therefore, this too shall pass !
Sameer Rastogi,
SAKSHAM WEALTH Solutions P. Ltd.
WEALTHY & WISE
The Social Mesh: Recent data leaks,
where do we stand?
Last week, Facebook CEO Mark
Zuckerberg admitted data leaks from
Facebook website in US
congressional hearing. He admitted
that personal data pertaining to 87
million users profiles (even his own)
may have been shared without
permission. This sharing has been
done to help a controversial political
data analytics firm Cambridge
Analytica.
Amidst all this talks of data leaks,
should we be more aware about
these data leaks. According to digital
network solution firm Verizon, the lack
of data protection & privacy
legislation makes India highly
vulnerable to data breach related to
personal information.
PAGE 07
Privacy is a constitutionally protected
individual right. Still there are plenty
of places where we give or are
required to give our personal data
consensually. The government and
state bodies, hospitals, financial
institutions, all collect and store our
personal information in some form,
mostly in digital format. What do
corporates do with data harvested by
the social media and apps? “Targeted
Advertisement” would be one answer.
While the small entities may use data
as a commodity to be traded and
transacted, big companies particularly
use the large pool of data for their
self-evolving Artificial Intelligence
programs. The market of data
harvesting is vast, fast expanding & in
need of constant check.
WEALTHY & WISE

PAGE 08

Your  digital  footprint  reveals  a  lot  about  

you.  Your  personal  informaDon,  financial  
informaDon,   poliDcal   and   religious  
affiliaDons,  many  things  that  you  may  or  
may  not  want  to  share,  can  be  retrieved  
from   your   digital   footprint.   ShuKng   off  
social   media   and   other   digital   plaMorms  
from   our   daily   lives   might   not   be   an  
opDon  now,  but  it  is  imperaDve  for  a  us  
to   know   the   details   of   what   we   have  
consented  to  share  and  the  details  of  the  
data  we  have  given  up  so  far.  

India
  in
  parDcular,
  sDll
  lags
  far
  behind
  Privacy
  concerns
  must
  be
  adequately
 
other
  world
  superpowers
  in
  formulaDng
  addressed
  &
  we
  must
  find
  the
  right
 
laws
  to
  deal
  with
  user
  data
  security
  &
  b a l a n c e
  b e t w e e n
  i n n o v a D o n
  &
 
privacy.
 India’s
 tech
 revoluDon
 is
 moving
  digiDzaDon
  process,
  which
  are
  key
  to
  our
 
forward
  without
  the
  proper
  checks.
  In
  a
  country’s
  growth.
  Comprehensive
  data
 
country
  like
  India,
  data
  security
  legal
  privacy
  laws
  are
  required
  to
  curb
  ever-­‐
framework
 is
 urgently
 required
 to
 put
 in
  blossoming
  scandals,
  frauds
  &
  protect
 
place.
  Recently,
  Coinsecure,
  a
  Delhi-­‐ country’s
 digital
 infrastructure.
 
based
  cryptocurrency
  exchange,
  filed
  an
 
FIR
 with
 Delhi
 Police’s
 cyber
 cell
 that
 438
 
Bitcoins
  worth
  over
  Rs
  20
  crore
  were
 
stolen
 from
 its
 wallet
 server.
 This
 proves
 
that
 nothing
 is
 secure
 from
 the
 hands
 of
 
hackers
  not
  even
  the
  most
  modern
  &
 
most
  “so
  called
  secure”
  enDty
  called
  Abhay Gupta,
Bitcoin.
  SAKSHAM WEALTH Solutions P. Ltd.
WEALTHY & WISE
Health management is the biggest
wealth management
Mahatma Gandhi once famously
said, “It is health that is real wealth
and not pieces of gold and silver.” In
today’s world where health-related
issues are growing on a daily basis, it
becomes highly difficult to protect this
aspect of your “WEALTH”. If we are
healthy, we find ourselves in the right
frame of mind to tackle any hurdles
that may be thrown in our way.
However, just like life that has its ups
and downs, our health too is not
always predictable. We may make
healthy choices every day, follow a
good diet and exercise regularly, but
may still find ourselves falling sick
once in a while. Living a healthy life
and ensuring protection against
unwanted medical emergencies,
which in turn creates a big dent in our
savings, is fast becoming more and
more difficult.
Having a health insurance is an
important and cost effective method
of protecting us against unexpected
health issues and providing us with
more control over our health care. It is
important to choose the right health
insurance policy to ensure that you
get the required treatment when you
need it, where you need it. One thing
most of us forget is that health
insurance is not an investment tool
but is a protection for an unknown risk
on your health.
PAGE 09
Now choosing suitable policy from
over 180 health cover policies offered
by almost 20-odd health insurance
companies is no simple gig. Most of
us only compare the premium prices
and opt for a health insurance policy
that provides maximum coverage for
minimum premium. But, apart from
premium prices, we need to look at a
few other important specifications
also before selecting a health cover.
Sub-limits, exclusions, waiting period,
loading, no-claim bonus, network of
hospitals, coverage of alternate
medicine treatment, claim settlement
ratio among others are few that
comes immediately in my mind. We
usually just examine broader
specifications of the policy without
going into finer details. Take for
example, how many of us check if our
health policy has ambulance or room
rate restrictions. We may have a
perception that we have bought the
best policy. Reality could be much
different though when compared
diligently.
WEALTHY & WISE

PAGE 10

We should always question as to why

an X policy is costlier than a Y policy ! •  Day-care procedures: Day-care
Sometimes, it may just be due to procedures are not covered in
company specific guidelines many health insurance plans.
regarding their underwriting norms Moreover, to make a medical
and risk modeling. Other times, the claim, hospitalization for at least
premium cost goes up due to certain 24 hours is mandatory. Thanks to
additional benefits being offered, for numerous innovations in
example, air ambulance facility, a t e c h n o l o g y, t o d a y, m a n y
bigger look-in-period or higher procedures do not require
hospital cash. Before subscribing to a hospitalization beyond 24 hours.
policy, one needs to fully understand Thus, it is best to opt for a plan
the benefits one actually needs. that covers maximum number of
day-care procedures.
Few factors that play a crucial role in
selection of a suitable mediclaim •  Network hospitals: Check the list
policy: of network hospitals and see if it
includes the facilities that you
•  Efficiency of claims process: often visit. It is also an important
Claim settlement time and claim factor to consider if you travel or
settlement ratio should be one of move cities, because your health
the most important factors to be insurance should travel with you.
be considered. Higher the It is worth mentioning here that
settlement ratio and faster the the cashless facilities can only be
settlement time is, generally availed in network hospitals.
means that the insurance provider
is doing a good job with genuine •  Pre/Post Hospitalization:
claims. Medical expenses incurred before
and/or after hospitalization are
•  Co-­‐payment:   Co-­‐payment   mandates   called Pre/Post hospitalization
that  the  policyholder  will  bear  a  pre-­‐ expenses. During hospitalization,
defined   percentage   of   the   claim   some part of the treatment
amount   and   the   insurance   company   extends beyond the
will  seale  the  rest.  This  is  a  common   hospitalization. Follow-up visits to
clause   with   most   group   health   the doctor, medicines to be taken
insurance   policies   (your   employer   or follow-up investigations to be
provided  policy).  While  you  may  find   done fall under the category of
an  insurance  plan  to  be  cheap,  it  may   post-hospitalization expenses.
not   offer   you   compete   coverage   if   it   Only those expenses relevant to
comes  with  a  co-­‐payment  clause.   the ailment for which the person
has been hospitalized shall be
considered under Pre & Post-
hospitalization expenses.
WEALTHY & WISE
PAGE 11

•  No claim bonus: Many insurance

companies offer a no-claim
bonus, in case the policyholder
has not lodged any claim during a
particular policy year. In such a
case, either the sum insured
increases or the premium
decreases or both. Each policy
can vary widely as to how they
reward the policyholders for not The   cost   of   medical   care   is   ever  
availing any claim during a i n c r e a s i n g   d u e   t o   i n fl a D o n   a n d  
particular period. advancements   in   medical   technology.   At  
the  same  Dme  the  longevity  is  improving  
•  Free preventive medical thus  forcing  us  to  consume  more  medical  
checkup: Look for a health care.   Picking   a   right   health   cover   plan   for  
insurance policy that entitles our   family   requires   correct   guidance   &  
policyholders to a free medical good   research.   So,   just   like   any  
check-up. The tests/checkup has investment  we  make,  gauging  the  correct  
no bearing on the premium when amount   to   put   in   medical   care   policy   is  
policies come up for renewal. This criDcal.    
is a win-win feature as it helps in
timely prevention of bigger
disorders to the policyholders and
saves big amounts of probable
claims to insurance companies.

•  Lifetime Renewal: With progress

in age, the requirement for
medical coverage increases more
than proportionately. A health
insurance policy that covers you
for whole life without any
conditions is the best feature you
can have. Obviously, this may
lead to slightly more premiums for
such policies.
Sameer Rastogi,
SAKSHAM WEALTH Solutions P. Ltd.
WEALTHY & WISE
PAGE 12

Education inflation is the real deal,

start planning for it
The National Sample Survey’s Office
(NSSO) showed that 70 percent of
students and their parents preferred
private institutions to government-
based ones. The gross enrolment
ratio (GER) is a metric that expresses
total enrolment in terms of percentage
in educational institutions; it is
calculated for the age group, 18-23.
The GER for higher education in India
is close to 26 percent; it is 44 percent
We constantly keep close eyes on in China and 86 percent in USA.
soaring prices of groceries, petrol &
consumer inflation rates but there is The college quantity scenario is
another kind of inflation that has a widely out of proportion in India.
much sharper impact on savings & go There are only 6 colleges in Bihar per
mostly unnoticed which is “Education lakh students while small UT like
Inflation”. Puducherry has 60 colleges/ lakhs of
student. The all-India average is 25
Inflation is growing at more than 10 colleges per lakh students.
percent every year in the education Secondary education Schools in India
sector. It is extremely important that may have grown exponentially, but
you plan well for your children’s the higher education sector has failed
higher education. to keep up the pace with it. Which has
created a large gap in India’s higher
Inflation is growing at more than 10 education sector.
percent every year in the education
sector. It is extremely important that For instance, over 130 plus new IB
you plan well for your children’s high schools alone should have been
higher education. added in the last decade to get the
student/college ratio right. That figure
For example, is only for business schools, what
–
 The
 fees
 in
 IIT
 for
 Rs.
 50000
 per
 year
 in
  about shortage of Engineering
2008.
 It
 increased
 to
 Rs.
 90,000
 in
 2013.
  colleges, Medical or a basic
Currently
 it
 more
 than
 Rs.
 2,00,000.
  graduation colleges. Out of the

  existing ones, how many good
–
 IIM-­‐A
 increased
 the
 fees
 from
 Rs.
 18.5
  colleges can you think of? I will bet
lakh
 in
 2017
 to
 Rs.
 19.5
 lakh
 in
 2018.
  you can count them on your
fingertips.
WEALTHY & WISE
In the past 15 years, one of the
biggest shifts that have occurred in
peoples’ financial goals is the craze to
send their kids abroad for higher
education. It has been triggered, in
recent years, by a number of factors:
more international exposure, severe
domestic competition for premium
Universities.
Today, students from different
countries travel across the world to
other countries to pursue their higher
studies. Making a career abroad not
only helps them to improve their
educational experiences but also
takes their career to new heights.
When it comes to study abroad it
seems a costly affair for parents to
finance their children’s higher
education. These could be tuition
fees, travelling expenses, hostel
accommodation, book materials fees,
health issues and much more.
PAGE 13
Cost is important. Given our country’s
relative inflation, interest rates and
current account balance, it is unlikely that
the Indian rupee will strengthen to a level
that the exchange rate (against the US
dollar and the pound) becomes favorable
for us, at least in the foreseeable future.
Overseas education is going to remain
expensive for rupee owners and earners
for some time to come.
Some parents mostly invest in land or
property, hoping to sell when a need
arises. However, these immovable assets
at the time of need might not fetch the
amount of money one hopes for. It is risky
to depend solely on this mode of
investment alone.
As with any savings goal, it's best to start
investing early. First, set your goal: Figure
out how much you may need to save for
each child based on his/her age
One must evaluate children's future
needs, and then start working on them.
Begin the process of saving and investing
early. This enables to create adequate
resources for the fulfillment of kids
desires and ambitions.
Sameer Rastogi,
SAKSHAM WEALTH Solutions P. Ltd.
WEALTHY & WISE

PAGE 15

Market Insider
WEALTHY & WISE
PAGE 16

Global Equity Benchmark Indices Return (as on 16th April 2018)

Indices 1 Month 3 Months 6 Months 1 year 3 Years 5 Years
DOW JONES -1.95% -6.77% 4.48% 14.29% 9.57% 9.07%
FTSE 100 1.39% -4.03% -2.49% -2.18% 2.36% 1.37%
S&P 500 5.17% 4.35% 13.80% 15.88% 8.53% 10.36%
SENSEX -0.90% -1.72% 6.12% 13.91% 4.59% 10.18%
DAX 30 0.24% -6.51% -1.47% 2.43% 0.79% 9.68%
IBEX 35 -0.57% -5.91% -4.02% -5.85% -5.70% 4.00%
CAC 40 3.17% -1.38% 1.12% 5.72% 1.59% 6.14%
NIKKEI 225 2.66% -5.10% 8.98% 8.73% 3.20% 11.00%
SHANGHAI 50 0.93% 2.07% 7.70% 18.47% 2.70% 9.03%
HANG -SENG 1.72% 3.17% 8.28% 19.38% 6.72% 5.16%

Returns upto 1 year are absolute & over 1 year are compounded annualized.

Global Commodities Benchmark Return (as on 14th March 2018)

Commodity 1 Month 3 Months 6 Months 1 year 3 Years 5 Years
Crude Oil 6.04% 2.99% 21.32% 20.55% 3.88% -6.76%
Natural Gas 1.48% -37.41% -9.26% -17.78% -0.98% -13.56%
Coal -13.39% -8.30% -7.64% 12.26% 11.80% 0.99%
Gold 2.30% 1.34% 4.39% 4.24% 3.70% -1.90%
Silver 2.04% -1.80% -2.22% -10.27% -0.16% -7.51%
Platinum -2.26% -7.87% 0.97% -0.97% -6.75% -9.18%
Lead -2.69% -7.46% -2.95% 1.17% 9.66% 2.00%
Copper 0.65% -3.55% 3.87% 15.16% 3.68% -0.70%

Returns upto 1 year are absolute & over 1 year are compounded annualized.
Returns upto 1 year are absolute & over 1 year are compounded annualized.
WEALTHY & WISE
PAGE 17

As on 16th April, 2018

All returns upto 1 year are absolute & over 1 year are compounded annualized.

DISCLAIMER: This document has been prepared on the basis of publically available data on best effort basis. The information contained in this document is
for general purposes only. The information/ data herein alone are not sufficient and should not be used for the development or implementation of an
investment strategy. The same should not be construed as investment advice to any party. The recipient(s) before acting on any information herein should
make his/her/their own investigation and seek appropriate professional advice and shall alone be fully responsible/ liable for any decision taken on the basis
of information contained herein.

TOP 10 MUTUAL FUNDS : EQUITY - SMALL CAP

Scheme AUM(Cr) 30 Day 3 Mon 6 Mon 1 Yr 3 Yr 5 Yr 10 Yr Rating
SBI - Small & Midcap Fund Reg (G) 908 2.25 -11.03 13.1 36.14 23.06 37.5 NA *****
HDFC - Small Cap Fund (G) 2670 3.19 -3.46 17.08 34.41 19.62 26.22 16.28 ***
L&T - Emerging Businesses Fund (G) 4286 2.73 -5.57 9.46 29.15 23.4 NA NA ****
Reliance - Small Cap Fund (G) 6542 2.63 -8.56 10.88 24.99 21.5 37.26 NA ***
HSBC - Small Cap Equity Fund (G) 658 5.07 -7.72 8.92 24.55 15.82 29.51 11.63 **
Union - Small and Midcap Fund Reg (G) 299 1.35 -8.08 6.66 16.2 8.7 NA NA *
Aditya Birla SL - Small & Midcap Fund Reg (G) 2070 1.96 -9.53 2.87 15.25 18.52 28.97 16.07 **
Sundaram - Smile Fund Reg (G) 1416 3.17 -9.92 5.86 15.25 11.93 30.06 15.87 *
Franklin - India Smaller Companies Fund (G) 7280 2.4 -6.2 5.25 15.02 15.16 31.63 18.53 ****
Reliance - Mid & Small Cap Fund (G) 3467 1.49 -10.81 2.53 12.17 10.73 25.9 14.99 **

TOP 10 MUTUAL FUNDS : EQUITY - MID CAP

Scheme AUM(Cr) 30 Day 3 Mon 6 Mon 1 Yr 3 Yr 5 Yr 10 Yr Rating
Edelweiss - Mid Cap Fund Reg (G) 640 4.57 -5.44 11.36 25.76 14.36 29.61 15.04 ****
SBI - Emerging Business Fund Reg (G) 2420 4.34 -2.19 10.9 25.47 13.03 20.39 15.04 **
Axis - Midcap Fund (G) 1301 6.67 1.16 10.23 24.99 10.07 23.49 NA *
IDFC - Sterling Equity Fund Reg (G) 2483 3.82 -5.55 7.28 24.81 14.27 24.08 19.19 ***
SBI - M Global Fund Reg (G) 3729 4.82 -5.4 10.97 20.1 8.58 22.96 14.54 ***
L&T - Mid Cap Fund (G) 2313 3.32 -6.55 3.86 20.08 17.42 31.07 17.04 *****
Escorts - Growth Plan (G) 5 2.72 -3.08 9.29 20.07 11.81 23.11 9.53 NR
Taurus - Discovery Fund (G) 52 3.29 -3.07 7.85 19.62 13.42 24.46 7.6 **
Axis - Emerging Opportunities Fund Sr1 Reg (G) 579 6.45 0.79 8.26 19.12 NA NA NA NR
Aditya Birla SL - Pure Value Fund Reg (G) 3263 1.53 -11.13 1.34 19.09 17.26 30.78 20.16 ****
WEALTHY & WISE
PAGE 18

TOP 10 MUTUAL FUNDS : EQUITY - LARGE CAP

Scheme AUM(Cr) 30 Day 3 Mon 6 Mon 1 Yr 3 Yr 5 Yr 10 Yr Rating
Aditya Birla SL - India Oppt Fund Reg (G) 154 2.02 0.63 14.23 29.89 13.25 26.82 13.24 NR
Invesco - India Growth Fund (G) 300 4.95 0.12 7.04 23.75 11.04 20.65 12.34 *****
Edelweiss - Large & Mid Cap Fund Reg (G) 273 4.65 -1.4 7.71 21.72 9.77 18.92 10.85 ****
UTI - Bluechip Flexi Fund (G) 2267 5.54 0.67 7.77 21.6 9.49 16.94 9.48 **
Kotak - Classic Equity Scheme (G) 160 4.71 -0.01 5.73 21.34 9.93 16.83 11.7 ****
DHFL Pramerica - Large Cap Fund Sr1 Reg (G) 28 3.37 -6.37 1.92 17.72 2.76 NA NA NR
UTI - Equity Fund (G) 4972 5.58 1.09 7.34 17.64 8.25 18.14 13.3 ***
HDFC - Sensex ETF - (G) 47 3.07 -1.69 5.74 17.48 NA NA NA NR
UTI - Sensex ETF (G) 2020 3.08 -1.72 5.76 17.48 NA NA NA NR
SBI - Sensex ETF 9418 3.08 -1.71 5.73 17.4 7.26 14.82 NA **

TOP 10 MUTUAL FUNDS : EQUITY - MULTI CAP

Scheme AUM(Cr) 30 Day 3 Mon 6 Mon 1 Yr 2 Yr 3 Yr 5 Yr 10 Yr Rating
Tata - India Consumer Fund Reg Plan (G) 740 5.24 -1.83 10.16 35.28 35.21 NA NA NA NR
IDFC - Focused Equity Fund Reg (G) 1264 3.52 -3.85 4.61 26.96 26.67 11.49 16.78 10.24 ***
Mirae - Asset Great Consumer Fund Reg (G) 238 2.76 -4.59 7.17 26.45 25.33 12.48 21.84 NA NR
Invesco - India Contra Fund (G) 1018 3.52 -4.08 8.77 24.06 24.24 13.5 24.78 15.87 ****
R*Shares Consumption Fund (G) 14 3.51 -3.78 8.03 23.76 19.22 12.52 0 NA NR
BOI AXA - Large & Mid Cap Equity Fund Reg (G) 108 4.06 -5.02 6.56 23.11 20.77 9.09 17.74 NA **
Axis - Focused 25 (G) 2949 6.93 -0.89 5.95 23.09 24.33 13.76 19 NA ***
NSE - India Vix NA -7.1 -1.15 25.55 22.13 -6.09 -1.11 -3.17 -7.32 NR
Edelweiss - Multi-Cap Fund Reg (G) 42 4.3 -3.22 9.08 22.04 23.54 12.27 0 NA ***
Axis - Equity Fund (G) 1931 5.55 1.17 5.38 21.8 17.93 8.93 16.6 NA ***

TOP 10 MUTUAL FUNDS : EQUITY - HYBRID

Scheme AUM(Cr) 30 Day 3 Mon 6 Mon 1 Yr 3 Yr 5 Yr 10 Yr Rating
BOI AXA - Mid & Small Cap Equity & Debt Fund Reg (G) 330 2.59 -4.5 9.42 27.86 NA NA NA NR
Principal - Balanced Fund (G) 1060 2.99 -3.39 4.35 20.48 13.8 18.81 11.45 ****
UTI - Childrens Career Advantage Plan (G) 234 2.94 -3.27 1.68 15.88 9.65 18.14 12.23 ***
Axis - Childrens Gift Fund Reg (G) 370 3.82 -0.14 5.07 15.67 NA NA NA NR
HDFC - Children Gift Invest 2115 2.57 -2.7 4.93 15.41 10.42 19.39 15.9 ****
SBI - M Balanced Fund Reg (G) 21404 2.86 -2.58 4.18 14.93 8.92 18.6 11.82 ****
Tata - Retirement Savings Fund Moderate (G) 533 3.13 -3.3 2.39 14.51 11.86 21.45 NA *****
Reliance - Reg Savings Balanced (G) 12387 1.94 -3.51 2.15 14.47 10.33 18.24 14.78 ***
HSBC - Managed Solutions India Growth Fund Reg (G) 162 3.03 -3.12 3.11 13.82 10.81 NA NA NR
HDFC - Retirement Savings Fund Hybrid Equity Reg (G) 159 1.77 -2.84 4.19 13.54 NA NA NA NR

TOP 10 MUTUAL FUNDS : EQUITY - INTERNATIONAL

Scheme AUM (CR) 30 Day 3 Mon 6 Mon 1Y 3Y 5Y 10 Y RATING
EDELWEISS - GREATER CHINA EQUITY OFF-SHORE FUND
(G) 40 9.07 9.31 17.95 43.57 15.16 15.68 NA -
EDELWEISS - EMERGING MARKETS OPP EQUITY FUND (G) 5 6.65 9.56 12.73 31.92 11.19 NA NA -
FRANKLIN - ASIAN EQUITY FUND (G) 120 7.32 7.25 11.32 31.02 13.6 12.52 10.48 -
KOTAK - GLOBAL EMERGING MARKET FUND (G) 33 6.97 9.85 15.37 29.28 7.61 7.31 5.36 -
EDELWEISS - ASEAN EQUITY OFF-SHORE FUND REG (G) 50 4.9 9.08 16.86 26.55 9.78 7.09 NA -
MOTILAL OSWAL MOST SHARES NASDAQ-100 ETF(G) 74 10.66 10.69 18.4 26.13 18.4 24.23 NA -
FRANKLIN - INDIA FEEDER FRANKLIN US OPP (G) 498 8.58 11.71 17.35 23.81 10.6 17.06 NA -
HSBC - GLOBAL CONSUMER OPPORTUNITIES FUND - (G) 4 5.3 4.51 10.4 22.96 8.97 NA NA -
HSBC - ASIA PACIFIC (EX JAPAN) DIVIDEND YIELD REG (G) 8 6.44 7.59 11.17 22.79 10.72 NA NA -
SUNDARAM - GLOBAL ADVANTAGE FUND REG (G) 25 5 7.06 8.4 21.21 8.21 4.81 5.38 -
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TOP 10 MUTUAL FUNDS : DEBT- SHORT TERM

Scheme AUM(Cr) 30 Day 3 Mon 6 Mon 1 Yr 3 Yr 5 Yr 10 Yr Rating

Franklin - India ST Income Plan Ret (G) 9412 0.81 2.19 3.25 8.4 8.51 9.2 9.31 *****
Franklin - India Low Duration (G) 5692 0.8 2.18 3.62 8.26 9.13 9.42 NA *****
Baroda Pioneer - Short Term Bond Fund (G) 260 0.86 1.93 3.12 6.98 8.34 8.49 NA *****
Reliance - Medium Term Fund (G) 11794 0.67 1.87 3.01 6.79 7.98 8.34 8.05 ****
HDFC - ST Opportunities Fund (G) 10056 0.7 1.85 2.82 6.7 7.9 8.52 NA ****
UTI - Banking & PSU Debt Fund Reg (G) 1214 0.76 1.72 2.78 6.69 8.72 NA NA ****
DHFL Pramerica - Short Term FRF Reg (G) 783 0.59 1.74 2.96 6.67 7.62 8.06 NA **
Aditya Birla SL - ST Fund Reg (G) 17961 0.73 1.76 2.57 6.66 8.24 8.79 8.53 ***
DHFL Pramerica - Short Maturity Reg Fund (G) 1590 0.7 1.72 2.48 6.66 8.08 8.55 8.83 ****
Escorts - ST Debt (G) 6 0.5 1.53 3.09 6.64 7.69 8.75 8.86 ****

TOP 10 MUTUAL FUNDS : DEBT- CREDIT OPP

Scheme AUM(Cr) 30 Day 3 Mon 6 Mon 1 Yr 3 Yr 5 Yr 10 Yr Rating

BOI AXA - Corporate Credit Spectrum Fund Reg (G) 1454 0.72 1.59 3.22 8.89 9.71 NA NA ****
Aditya Birla SL - Corporate Bond Fund Reg (G) 5277 0.59 1.25 2.17 8.43 NA NA NA ***
Franklin - India Income Oppt Fund (G) 3287 0.65 1.54 2.97 8.42 8.56 9.27 NA ****
Franklin - India Dynamic Accrual Fund (G) 3008 0.56 1.43 2.73 8.28 9.28 9.09 7.85 ****
Franklin - India Corporate Bond Oppo (G) 6651 0.53 1.39 2.82 8.01 8.52 9.26 NA ****
Aditya Birla SL - Medium Term Plan Reg (G) 11553 0.45 1.04 1.91 7.94 8.76 9.76 NA **
Baroda Pioneer - Credit Opportunities Fund Plan A (G) 920 0.45 1.03 2.25 7.66 9.55 NA NA ****
L&T - ST Income Fund (G) 1187 0.48 1.2 2.53 7.52 8.8 8.91 NA ****
Principal - Credit Opportunities Fund (G) 87 0.68 1.67 3.18 7.24 8.21 8.33 7.94 ****
Invesco - India Corporate Bond Opp Fund Reg (G) 407 0.66 1.2 2.34 7.23 8.74 NA NA **

TOP 10 MUTUAL FUNDS : DEBT- Dynamic Bond Fund

Scheme AUM(Cr) 30 Day 3 Mon 6 Mon 1 Yr 3 Yr 5 Yr 10 Yr Rating
Taurus - Dynamic Income (G) 3 0.39 1.13 2.31 8.94 2.83 4.09 NA NR
ICICI Pru - Long Term Plan Reg (G) 3573 0.3 0.37 -0.36 7.57 8.49 10.98 NA ****
IIFL - Dynamic Bond Fund Reg (G) 115 0.39 0.8 1.75 7.41 6.77 0 NA ***
ICICI Pru - Dynamic Bond Fund Premium Plus (G) 1249 0.16 -0.39 -0.71 6.97 8.98 9.52 NA NR
JM - STF (G) 30 0.42 0.81 1.58 6.04 7.11 7.75 8.8 ***
Quantum - Dynamic Bond Fund Reg (G) NA -0.03 -0.66 -1.49 5.9 NA NA NA *****
ICICI Pru - Dynamic Bond Fund Reg (G) 1384 0.03 -0.74 -1.4 5.5 7.64 8.37 NA ***
DHFL Pramerica - Dynamic Bond Fund (G) 162 0.1 -0.59 -1.62 5.46 7.3 7.84 NA ***
Baroda Pioneer - Dynamic Bond (G) 21 -0.21 -0.24 0.05 5.44 7.57 8.6 NA ****
Axis - Dynamic Bond Fund (G) 349 0.15 0.01 -0.67 4.75 7.13 7.97 NA ***

TOP 10 MUTUAL FUNDS : DEBT- GILT SHORT TERM

Scheme AUM(Cr) 30 Day 3 Mon 6 Mon 1 Yr 3 Yr 5 Yr 10 Yr Rating
IDFC - G Sec Short Term Reg (G) 96 0.69 0.62 1.21 6.91 8.08 9.45 6.58 ***
ICICI Pru - Gilt Fund Treasury PF Option Reg 65 0.09 -0.24 0.22 6.04 9.44 6.34 7.32 ****
DSP BlackRock - Savings Fund Reg (G) 39 0.64 1.52 2.93 5.94 6.55 7.59 6.57 **
SBI - M Gilt STP Reg (G) 505 0.28 0.56 1.46 5.87 8.8 9.59 8.4 ****
ICICI Pru - Short Term Gilt Fund Reg (G) 146 0.25 0.03 0.36 5.76 8.08 8.23 8.34 ***
UTI - G-Sec Fund STP (G) 26 0.42 0.99 1.88 5.73 7.08 7.66 6.89 **
HDFC - Gilt Fund Short term (G) 367 0.41 -0.01 0.06 5.29 7.74 7.79 6.85 *
CRISIL Gilt Index NA -0.02 -1.45 -2.51 3.16 6.69 NA NA NR
Sundaram - Gilt Fund Reg (G) 12 -0.17 -1.31 -2.68 1.96 5 8.92 6.88 *
CRISIL 10 Year Gilt Index NA -0.32 -2.52 -4.73 -0.56 5.77 6.02 6.1 NR
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TOP 10 MUTUAL FUNDS : DEBT- GILT MEDIUM & LONG TERM

Scheme AUM(Cr) 30 Day 3 Mon 6 Mon 1 Yr 3 Yr 5 Yr 10 Yr Rating
ICICI Pru - Gilt Fund Investment Plan PF Option Reg (G) 860 0.05 -0.62 -2.19 6.14 7.81 8.81 10.02 ***
Aditya Birla SL - Banking & PSU Debt Fund Reg (G) 2743 0.66 1.49 0.69 6.07 6.96 8.01 9.5 NR
Aditya Birla SL - Gilt Plus PF Plan (G) 150 -0.18 -1.72 -3.16 5.59 7.69 8.93 7.63 ****
ICICI Pru - Long Term Gilt Fund Reg (G) 950 0.03 -1.36 -3.32 5.25 7.28 7.9 8.8 ***
DHFL Pramerica - Gilt Fund Reg (G) 144 0.1 -0.56 -0.62 5.19 7.29 7.69 NA ***
Edelweiss - Govt. Sec Fund Reg (G) 494 0.37 0.83 1.61 4.82 6.88 NA NA ***
ICICI Pru - Constant Maturity Gilt Fund Reg (G) 30 -0.59 -1.48 -2.56 4.19 7.23 NA NA ***
Reliance - Gilt Sec Fund (G) 1487 -0.06 -1.44 -2.85 4.05 7.55 8.7 NA ****
HDFC - Gilt Fund Long term (G) 1993 0.01 -0.91 -2.35 3.97 6.82 8.01 7.27 ***
Tata - Gilt Mid Term Fund Plan A (G) 209 -0.16 -0.97 -1.73 3.77 6.56 8.63 NA **

TOP 10 MUTUAL FUNDS : ARBITRAGE

Scheme AUM(Cr) 30 Day 3 Mon 6 Mon 1 Yr 3 Yr 5 Yr 10 Yr Rating
Reliance - Arbitrage Advantage Fund (G) 6463 0.62 1.79 3.22 6.32 6.62 7.45 NA ***
Kotak - Equity Arbitrage Fund (G) 14592 0.5 1.45 2.98 6.2 6.5 7.5 7.36 ***
BNP Paribas - Enhanced Arbr Fund - Reg Plan (G) 654 0.37 1.04 2.72 6.18 NA NA NA NR
L&T - Arbitrage Opportunities Fund (G) 628 0.44 1.41 2.98 6.15 6.48 NA NA ***
Indiabulls - Arbitrage Fund - Reg (G) 510 0.49 1.56 3.15 6.09 6.81 NA NA ***
DHFL Pramerica - Arbitrage Fund Reg (G) 1460 0.39 1.23 2.73 6.07 6.43 NA NA ***
Edelweiss - Arbitrage Fund Reg (G) 5740 0.47 1.45 2.98 6.06 6.62 NA NA ***
UTI - Spread Fund (G) 2146 0.46 1.46 2.99 6.03 6.39 7.03 7.28 **
Axis - Enhanced Arbitrage Fund - Reg Plan (G) 2098 0.5 1.52 2.97 5.96 6.36 NA NA **
IDFC - Arbitrage Fund Reg (G) 2906 0.48 1.48 2.93 5.93 6.27 7.3 6.96 ***

TOP 10 MUTUAL FUNDS : GOLD

Scheme AUM(Cr) 30 Day 3 Mon 6 Mon 1 Yr 3 Yr 5 Yr 10 Yr Rating
HDFC - Gold ETF 454 1.01 6.45 0.13 5.38 4.41 -0.42 NA NR
IDBI - Gold ETF 69 1.03 6.6 0.53 5.12 4.56 -0.34 NA NR
SBI - Gold Fund Reg (G) 390 1.01 6.27 0.31 5.02 3.69 -1.13 NA NR
UTI - Gold Exchange Traded Fund (G) 430 1.04 6.59 0.29 4.66 4.36 -0.48 7.77 NR
R*Shares Gold BEES 2435 0.94 6.4 0.13 4.87 4.26 -0.5 7.74 NR
Can Robeco - Gold ETF 51 1.07 5.99 0.38 4.38 3.97 -0.8 NA NR
Quantum - Gold ETF (G) 55 1.04 6.53 0.17 4.37 4.11 -0.58 7.72 NR
Aditya Birla SL - Gold ETF 68 1.02 6.55 0.22 4.34 4.24 -0.53 NA NR
Invesco - India Gold ETF 37 1.02 6.51 0.15 4.34 4.16 -0.56 NA NR
Kotak - Gold ETF 403 1.04 6.58 0.2 4.34 4.09 -0.66 7.66 NR

Top Performing PMS Schemes

Scheme 30 Day 3 Mon 6 Mon 1 Yr 3 Yr 5 Yr 10 Yr Rating
Motilal Oswal IOP Strategy - PMS -7.29 -5.64 -0.28 16.33 17.54 23.79 NA NR
Hexagon PMS -6.30 -5.50 3.60 26.40 NA NA NA NR
Sundaram Midcap Strategy NA NA NA 24.60 16.30 29.90 NA NR
Sundaram Small Cap Strategy NA NA NA 24.60 19.90 32.30 NA NR
Motilal Oswal NTDOP Strategy - PMS -2.47 6.4 0.13 4.47 4.16 -0.3 7.74 NR
Motilal Oswal Value Strategy - PMS -3.96 5.99 0.38 4.38 3.97 -0.8 NA NR