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Axis BankBank of BarodaBank of IndiaBank of Maharashtra Canara BankCentral Bank of IndiaCorporation BankDena BankDevelopment Credit BankDhanlaxmi BankHDFC BankICICI BankIDBI BankIndian Overseas BankING Vysya Kotak Mahindra BankOriental Bank of Commerce State Bank of India Syndicate BankThe Federal BankUnion Bank of IndiaVijaya Bank
7.00-8.006.25-7.507.25-7.506.50-7.25
7.758.509.157.506.508.00
6.00-7.755.75-7.007.75-8.007.25-8.257.00-8.006.25-8.007.25-7.506.00-7.758.00-8.507.50-8.50
7.507.50
8.50-9.008.75-9.108.75-9.25
8.558.75-9.109.00-9.15
9.158.25-8.507.50-9.008.00-9.008.00-8.258.00-9.008.75-9.008.25-9.008.50-9.258.75-9.258.50-9.258.25-9.00
9.009.25
8.00-8.609.25-9.35
8.258.758.258.55
8.75-9.108.759.25
8.50-9.007.75-8.50
8.758.25-9.008.25-9.00
9.008.25-8.75
8.759.00
8.50-8.758.75-9.00
9.008.758.759.25
7.008.50
7.75-8.258.30-8.608.50-9.25
8.809.258.257.758.758.258.50
9.00-9.258.758.759.008.508.259.00
8.75-9.258.75-9.15
8.50
7.008.507.00
8.00-8.30 8.75-9.50
8.809.00
7.75-8.757.508.258.25
8.50-8.758.75-9.00
7.758.759.008.50
8.50-8.758.608.75
8.50-9.008.25
Fixed deposit rates
Rates for deposits up to R15 lakh as on 11 Feb Interest rates in % per annum Source : Apnapaisa Research Bureau, www.apnapaisa.com
Bank 6 months-364 days 1-2 years 2-3 years 3-5 years Above 5 years
FUNDS | INSURANCE | DEPOSITS | LOANS
How to use this data: For each age band, you can pick the cheapest premium for three insurance amounts. For instance, the cheapest medical cover for a 42-year-old for a cover of R1 lakh, R3 lakh and R5 lakh is given
Health Insurance
Age (years)
Sum insured (R)1 lakh 2 lakh 5 lakh
20-25
26-30
31-35
36-40
41-45
46-50
51-55
56-60
Premiums in R
National Pension System Scheme
12.48
12.14
11.67
12.03
10.63
12.36
Net asset value R (as on 11 Feb)
ICICI Prudential Pension Fund Scheme E - Tier I
IDFC Pension Fund Scheme E - Tier I
Kotak Pension Fund Scheme E - Tier I
Reliance Pension Fund Scheme E - Tier I
SBI Pension Fund Scheme E - Tier I
UTI Retirement Solutions Pension Fund Scheme E - Tier I
Source: National Security Depository Ltd
There are over a thousand mutual fund schemes in the market. Picking and choosing the right one can be tough. Here's where Mint50 comes in. We have run quantitative and qualitative filters on all schemes to come up with a chosen set of 50 schemes across categories for you to pick and choose from.
Mutual fund schemes to invest in
NAV and returns are as on 11/2/2011; Value Research rating is as on 31/1/2011; Fund size as on 31/12/2010; * The fund has not yet completed 10 years; ** The fund has not yet completed 5 years; ***The fund has not yet completed 3 years; ****An exchange-traded fund (ETF), this can be bought or sold only on stocks exchanges. You need a demat account to be able to transact in ETFs; NR: not rated, since the fund is less than 3 years old
Royal Sundaram 1,151
Royal Sundaram 1,850
Bharati AXA 3,436
Apollo Munich 1,208
Bharti AXA 1,955
Bharati AXA 3,436
Apollo Munich 1,208
Bharti AXA 1,955
Bharati AXA 3,436
Star Health 1,489
Apollo Munich 2,647
Future Generali 5,672
Star Health 1,489
Apollo Munich2,647
Future Generali 5,672
Future Generali 2,508
Future Generali 4,058
Future Generali 9,060
Future Generali 2,508
Future Generali 4,058
Future Generali9,060
Star Health 3,309
National Insurance5,655
Future Generali 12,210
Source : Apnapaisa Research Bureau, www.apnapaisa.com
How to use this data: For a 40-year-old who wants a cover of R60 lakh, the lowest premium is given. the tenure is 30 years for a 30-year-old, 20 years for a 40-year-old and 10 years for a 50-year-old person. Note: All the products mentioned above can be purchased online only
InsuranceLife insurance Premiums in rupees for the lowest term insurance covers for different sums assured. The term of the policy is 60 years minus the age.Sum assured (R lakh)
Age30 years 40 years 50 years
Kotak e-Term 2,281
Kotak e-Term 3,453
Kotak e-Term 5,993
Kotak e-Term 3,714
Kotak e-Term 6,056
ICICI iProtect10,633
Kotak e-Term 4,423
Kotak e-Term 6,700
Kotak e-Term11,168
10
20
30
40
50
75
100
125
150
200
Kotak e-Term 5,603
Kotak e-Term 8,630
Kotak e-Term 14,532
ICICI iProtect6,783
Kotak e-Term 10,561
Kotak e-Term17,896
ICICI iProtect9,348
ICICI iProtect14,725
Kotak e-Term26,306
ICICI iProtect12,023
ICICI iProtect18,861
Kotak e-Term34,716
ICICI iProtect15,029
ICICI iProtect23,577
Kotak e-Term43,127
ICICI iProtect18,034
ICICI iProtect28,292
Kotak e-Term51,537
ICICI iProtect22,281
ICICI iProtect35,296
ICICI iProtect67,945
Cheapest home loansHome loans
Allahabad BankAxis BankBank of BarodaBank of MaharashtraCanara BankCentral Bank of IndiaCorporation BankHDFC LimitedICICI BankIDBI BankIndian BankLIC Housing Finance*Oriental Bank of Commerce Punjab National BankSBI Easy Home Loan
EMI per lakh (R)Home loan company
*This bank has interest rates fixed for the initial few years and thereafter then prevailing rate are applicable; The home loan rates are indicative rates, which may change according to the credit profile of the customer; fixed interest rates are usually subject to reset clause of two to five years and vary from bank to bank. However, fixed interest rates of ICICI Bank, HDFC and Axis Bank remain fixed during the entire tenor of the loan; PN: The rates given above are for the first year of the loan tenor. For the subsequent years, the interest rates vary from bank to bank; DP: does not provide; EMI: equated monthly instalment; DNA: data not available
2,1492,1002,1252,1252,1252,1252,0952,1122,1002,1122,1372,1222,1252,1252,052
2,2122,327
DP2,137
DPDNA
2,2322,1992,4322,2122,174
DPDNA
2,149DP
5 yearsFixed Floating
1,3781,2941,3351,3351,3351,3491,3161,3081,2941,3081,3491,3191,3351,3351,240
1,4491,553
DP1,363
DPDP
1,4431,4061,6751,4201,392
DPDNA
1,363DP
10 yearsFixed Floating
1,1521,0441,0901,1051,1051,1051,0841,0591,0441,0591,1211,0721,1051,090
985
1,2331,332
DPDPDPDP
1,2101,1681,4691,1841,168
DPDNA
1,121DP
15 yearsFixed Floating
1,066932998998998998975949932949
1,032962998998868
1,1191,244
DPDPDPDP
1,1121,0661,3911,0841,084
DPDNA
1,032DP
20 yearsFixed Floating
Home loan EMI per R1 lakh for a loan amount of R30 lakh as on 11 Feb
Among the various schemes, we have chosen 50 schemes across equity- and debt-oriented categories that we feel you should choose from. However, you must not invest in all of them. Pick and choose around seven to 12 schemes from Mint50 to build a portfolio that suits your goals. Don’t worry if schemes, you are already invested in, are not a part of Mint50. Not all schemes that are outside Mint50 are bad. Just because your existing scheme is not a part of Mint50 does not mean you must sell it. While poorly managed schemes are aplenty in the market, there are many that are decent, but not a part of Mint50 because we think these are better alternatives. Mint50 is not a guide to existing investments. Refer to it if you choose to invest afresh. After ascertaining how much you want to put in equity and how much in debt funds, take a core and satellite approach. The “core” schemes are the rock solid, long-term performers that come with a
good track record. You can consider staying invested in them for a long time. Depending on your risk profile, this should form a significant chunk of your portfolio. The “satellite” portion can be used to add the returns kicker or a flavour to your portfolio, such as thematic, infrastructure funds or those that have a promising track record but are relatively new. If you are planning to invest afresh, start by putting money in large-cap funds and later diversify into mid-cap funds. One last thing: Value Research pitches active and passive funds in the same category. So, it is possible that passive funds, such as Benchmark Nifty BeES and Franklin India Index Fund, have a lower Value Research rating. In rising markets, exchange-traded funds and index funds typically underperform actively managed funds and, hence, a lower star rating. But since a passive fund’s mandate is never to outperform the index, but to mimic it, a lower rating doesn’t matter.
Canara Robeco Short Term RetDWS Short Maturity RegReliance Short-termTempleton India Short-term Income RetUTI Short-term Income RegularCategory averageNSE Treasury Bill IndexNSE G-Sec Composite Index
Short TermCore
NAV (daily)
3-yr return
5-yr return
10-yr return
Expense ratio
Fund size (R cr)
Value Research rating (3-year)
NAV (daily)
3-month return
6-month return
2-year return
Expense ratio
Fund size (R cr)
Value Research rating (3-year)
DSPBR Top 100 Equity RegFranklin India BluechipKotak Sensex ETF****Nifty Benchmark ETS****
Large-Cap core
Category average
95.01
202.97
180.25
536.53
9.21
9.16
***
3.40
17.46
15.28
**
12.59
*
23.54
*
*
1.86
1.85
0.50
0.50
2,871.65
3,398.26
32.01
510.88
2.81 11.77 17.15
Birla Sun Life Frontline Equity Plan ACanara Robeco Equity DiversifiedFidelity EquityFranklin India Prima PlusHDFC Top 200UTI Opportunities
Large & Mid Cap core
Category average
HDFC EquityICICI Prudential DynamicNifty Junior BeES****Quantum Long Term EquityTempleton India Growth
Multi CapCore
DSPBR EquityReliance Regular Savings EquityTata Equity PEUTI Dividend YieldCategory average
Satellite
DSPBR Small and Mid Cap RegHDFC Mid-Cap OpportunitiesIDFC Premier Equity Plan A
Mid & Small CapCore
Satellite
Fidelity Tax AdvantageHDFC TaxsaverReligare Tax Plan
Tax PlanningCore
Sundaram TaxsaverCategory averageBSE SensexS&P CNX Nifty
Satellite
Birla Sun Life 95DSPBR BalancedHDFC PrudenceTata Balanced
Equity-orientedCore
FT India BalancedCategory average
Satellite
Birla Sun Life Monthly IncomeCanara Robeco MIPHDFC MIP Long-termHDFC MIP Short-termReliance MIP
Debt-oriented ConservativeCore
Birla Sun Life MIP II Savings 5UTI Monthly Income SchemeCategory average
Satellite
DSPBR T.I.G.E.R. RegICICI Prudential InfrastructureReliance Diversified Power Sector RetailTata Infrastructure
Thematic/Sectoral
82.67
51.36
33.26
205.38
197.75
25.29
8.66
9.66
8.74
5.79
12.27
10.25
17.69
14.11
16.2
14.99
18.25
12.32
*
*
*
24.25
27.8
*
1.88
2.32
1.85
1.93
1.79
1.95
2,719.84
390.79
3,269.37
1,871.51
9,489.24
1,587.402.54 11.27 19.34
261.10
102.30
104.02
21.12
112.31
13.8
10.79
3.61
13.83
9.31
17.99
17.26
11.16
**
16.60
29.06
*
*
*
23.48
1.79
1.85
1.00
1.50
2.10
8,353.26
2,785.39
187.12
61.78
840.88
45.12
28.77
44.88
30.39
9.93
6.14
8.26
14.04
4.19
17.97
22.74
16.6
17.31
12.49
24.06
*
*
*
22.62
1.89
1.85
2.5
1.88
2,326.2
3,391.56
733.2
2,994.59
15.90
14.13
29.22
99.11
13.96
3.97
2.18
0.09
14.26
**
8.37
*
*
21.38
1.91
2.29
8.27
9.54
9.41
**
**
21.58
*
*
*
2.03
1.99
1.93
1,179.14
1,195.10
1,896.66
2,022.28
454.90
20.57
219.36
16.24
9.61
10.66
6.96
**
13.36
**
*
27.52
*
1.99
1.86
2.49
1,282.87
2,937.39
109.28
41.50 4.39
2.56
2.15
3.02
12.40
9.34
11.89
11.89
23.61
19.51
14.96
14.21
1.96 1,632.64
296.28
62.33
200.12
77.27
9.87
9.12
13.27
6.83
16.01
14.82
17.59
14.04
18.83
18.88
25.34
18.77
2.33
2.08
1.82
2.5
377.38
792.66
5,708.95
296.81
46.20 4.79
5.02
12.05
10.74
17.71
17.22
2.34 282.98
35.84
28.89
22.39
16.75
21.12
7.94
9.17
10.75
6.88
13.32
9.52
11.22
10.99
6.41
11.34
10.47
*
*
*
*
1.98
2.09
1.45
1.72
1.55
692.70
352.14
9,862.95
702.50
8,321.99
17.27
19.40
10.92
8.22
6.38
9.65
8.59
7.74
*
*
9.48
1.38
1.80
1,224.27
663.19
42.12
28.03
67.13
30.66
-2.71
0.59
-0.08
-3.26
11.59
16.48
20.99
12.46
*
*
*
*
1.85
1.84
1.81
2.50
2,821.99
3,456.58
4,606.89
1,995.97
11.09
17.27
18.11
1928.20
16.47
1.58
0.91
1.10
1.01
1.24
1.30
1.80
1.22
2.82
1.9
2.25
2.27
3.05
2.42
3.39
1.21
-
6.66
6.73
8.26
7.42
6.27
4.85
0.26
1.11
1.89
0.66
1.3
0.5
132.27
490.84
4,116.93
6,372.19
1,146.74
NR
NR
FT India Dynamic PE Ratio FoFCategory Average
Asset Allocation core39.01 8.65
3.41
14.47
7.70
* 0.75 1,308.3
MF updateCash holding of equity funds
Sahara Growth
HDFC Index Sensex Plus
Sundaram Select Focus Reg
AIG India Equity Reg
Sahara Super 20
Canara Robeco Multicap
Taurus Bonanza
Canara Robeco Large Cap+
SBI PSU
Canara Robeco Equity Diversified
Sundaram Growth Reg
Birla Sun Life Top 100
Reliance Equity
Birla Sun Life Frontline Equity Plan A
Tata Equity Management
Reliance Quant Plus Retail
HSBC Progressive Themes
IDFC Strategic Sector (50-50) Equity Plan A
ING Core Equity
HDFC Index Nifty
HSBC Dynamic
Franklin India Opportunities
Magnum Equity
Sundaram India Leadership Reg
BNP Paribas Sustainable Development
Kotak 50
L&T Growth
ICICI Prudential Growth
DSPBR Focus 25
DSPBR Top 100 Equity Reg
ING Nifty Plus
ICICI Prudential Target Returns Retail
LICMF Growth
LICMF Sensex Advantage
Daiwa Industry Leaders
UTI Opportunities
Kotak Select Focus
DWS Alpha Equity Regular
JP Morgan India Equity
HSBC India Opportunities
Reliance NRI Equity
Principal Growth
Magnum Index
Reliance Vision
Franklin India Prima Plus
JM Large Cap
LICMF Opportunities
Magnum MultiCap
Birla Sun Life International Equity Plan B
Baroda Pioneer Growth
18.01
17.88
16.90
16.11
14.62
13.13
13.04
13.04
11.65
11.31
9.78
9.57
9.53
9.41
8.02
7.87
7.73
7.47
7.43
7.36
7.27
7.19
7.03
6.92
6.84
6.63
6.35
6.34
6.33
6.30
6.05
5.85
5.62
5.60
5.47
5.32
5.30
5.04
4.98
4.95
4.95
4.89
4.61
4.58
4.35
4.15
4.13
4.13
4.05
3.98
Scheme % of corpus
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
Cash exposure of large cap and large and mid cap funds.
Figures as on 31 Jan Source: Value Research
Source:
How to use Mint50
Birla Sun Life Mid Cap Plan ADSPBR Micro Cap RegCategory Average
NR
