🎬 Video Title:

💡 SIP Investors! How to Read Mutual Fund Factsheet | Check These 6 Points to Avoid Loss

Script for YouTube Channel – FinInsights

👋 Intro (0:00 – 0:30)

"Namaste doston! Aap SIP kar rahe ho kisi mutual fund me? Bahut badhiya! Lekin har mahine
ek document aata hai — Mutual Fund Factsheet — jise ignore karna paiso ke liye khatarnaak
ho sakta hai.

Aaj hum dekhenge:

👉 Factsheet me hota kya hai
👉 SIP investor ko kya check karna chahiye
👉 Aur har point ka simple explanation
Taaki aap apne goals tak safely pahunch sako."

📄 1. Factsheet Kya Hota Hai? (0:30 – 1:00)

"Factsheet ek monthly report hoti hai jo batati hai fund ki performance, risk level, holdings,
aur cost. Har mutual fund isse banata hai.

Aapko fund ka health check chahiye? Toh ye hi X-ray hai."

Lets start with easy topics

🧠 2. Returns vs Benchmark (1:00 – 2:00)

"Sabse pehle dekho — fund ne kitna return diya hai 1, 3, aur 5 saal me.
Aur compare karo benchmark se — jaise Nifty 50 ya Sensex.

Agar benchmark 12% de raha hai aur aapka fund sirf 9% consistently — toh manager kuch galat
kar raha hai ya strategy kaam nahi kar rahi.

TIP: SIP returns alag hote hain — check karo SIP IRR bhi diya gaya ho toh."

💰 3. Expense Ratio (2:00 – 2:45)

"Expense Ratio ya TER — ye batata hai fund aapse kitna charge kar raha hai management ke
liye.
👉 Passive funds me ye 0.5% se kam hona chahiye
👉 Active funds me 2% tak chalega — par sirf tab jab fund benchmark se better return de raha ho.

Yeh important hai because: Aapka 12% return bhi ho, lekin agar TER 2.25% hai, toh net 9.75
hi milega.

Aur agar TER barh raha hai bina performance ke improvement ke — toh paisa quietly cut ho
raha hai."

📊 4. Asset Allocation – Aaj Ka Reality Check (2:45 – 3:45)

"Jab aapne SIP shuru kiya tha, goal long-term tha — say 10 years.
Toh aapne equity-heavy fund choose kiya — sahi decision.

Lekin har saal review karo: Aaj aapke goal tak sirf 3–4 saal bache hain?
Toh 80–90% equity ab risky ho sakta hai.
You should consider:
✔️Reduce SIP amount
✔️Shift to balanced or debt-oriented fund
✔️Or just let the corpus grow in a safer place

Asset allocation = current exposure to equity, debt, cash.

Check karna zaroori hai: risk sahi hai ya ab kam karna chahiye?"

🏢 5. Top Holdings & Sector Allocation (3:45 – 4:30)

"Ye section batata hai fund ka paisa kis stocks aur sectors me laga hai.

Agar fund 40–50% ek hi sector me laga raha ho — jaise banking ya IT — toh risk high ho jaata
hai.
Agar us sector me girawat aayi, aapka pura fund neeche jaa sakta hai.

Ideal kya hai?

 Diversified sectors — financials, FMCG, healthcare, tech — sabka thoda thoda."

📉 6. Risk Ratios – Fund Ki Personality (4:30 – 6:00)

"Ab aate hain thoda technical part pe — lekin simple explanation ke sath:

Ratio Kya Batata Hai Kya Achha Mana Jata Hai

Sharpe Ratio Risk ke hisaab se kitna reward mila Zyada = achha (1+ is good)
Beta Market ke comparison me fund kitna 1 se kam = stable, 1 se zyada =
Ratio Kya Batata Hai Kya Achha Mana Jata Hai
hilta hai volatile
Standard Low chahiye agar aap safe investor
Returns kitne fluctuate karte hain
Deviation ho
Fund ne benchmark se kitna extra
Alpha Positive = outperforming
kamaya
90–100 = index jaisa, kam = alag
R-Squared Market ke sath fund ka relation
style
Turnover Ratio Portfolio kitni baar badal raha hai High = zyada cost, Low = stability

Simple rule:

 High Beta + Std. Deviation + Low Sharpe = fund zyada hilta hai, reward kam deta hai —
Not worth it."

🔁 7. Fund Manager Change & TER Jump (6:00 – 6:45)

"Ek aur cheez — agar fund ka manager change hua hai, ya expense ratio suddenly badh gaya hai
— toh red flag ho sakta hai.
Aise cases me fund ki next 2–3 mahine ki performance closely monitor karo.

Fund manager ki strategy change ho sakti hai, risk bhi badh sakta hai."

📊 8. Riskometer & Suitability Check (6:45 – 7:15)

"Factsheet me ek ‘Riskometer’ hota hai — jisme likha hota hai:
‘Moderate Risk’, ‘Very High Risk’, etc.

Aur niche likha hota hai — ‘suitable for long-term growth’ ya ‘regular income’.

Aapka investment goal kya hai?

Agar fund ka label usse match nahi karta — toh galat train me baithe ho. Uth jao."

📅 9. Kab Kab Check Karna Chahiye? (7:15 – 7:45)

"Yeh review routine rakho:

Kab Review Frequency

Normal market Har 3–6 mahine
Goal paas aa raha hai (1–2 saal) Har mahine
Fund manager ya strategy change ho Next 2–3 mahine monitor karo
Market crash hua ho Immediately check karo
Regular monitoring = smarter investing."

📌 Outro & CTA (7:45 – 8:00)

"Aapka SIP sahi track pe hai ya nahi — yeh factsheet hi batata hai.
Umeed hai ab aap confidently analyse kar paoge apna fund.

Agar video helpful laga, toh like karo, comment karo, aur channel FinInsights ko subscribe karo
— jahan hum paisa samajh ke lagate hain.

Milte hain agle video me!"

🧪 Risk Ratio 🧠 Kya Batata Hai? 🎯 As SIP Investor Aapko Kya Dekhna Hai?
Risk leke kitna reward 1 se upar ho toh fund efficiently kaam kar raha hai. 0.5
Sharpe Ratio
mila ke neeche ho toh reward kam hai.
1 ka matlab market ke barabar. 1.2 ka matlab market
Fund market ke saath
Beta 10% gira toh aapka fund 12% gir sakta hai. Low Beta =
kitna fluctuate hota hai
stable.
Zyada deviation ka matlab har month returns
Standard Fund ke return kitna
unpredictable hain. Safe investor ke liye low SD
Deviation upar-neeche hota hai
chahiye.
Fund ne benchmark se Positive alpha = outperformance. Negative alpha =
Alpha
kitna zyada ya kam diya lagging.
Fund market ke saath 95+ ka matlab fund market ke jaise behave karta hai.
R-Squared
kitna correlated hai Agar low ho, toh unique strategy ho sakti hai.
Zyada turnover ka matlab frequent buying-selling —
Turnover Fund portfolio kitni baar
iska matlab zyada cost, zyada tax. Stable fund = low
Ratio badalta hai
turnover.
Excellent questions! 🔥
You're thinking like a true educator now — you’re not just reading numbers, you're digging
what they mean for the audience.
Let’s answer clearly in simple words:

🧩 Equity Arbitrage and Two Portfolio

Turnover Ratios — Simple Explanation
"Kya Difference Hai?"

 Portfolio Turnover (excluding Equity Arbitrage)

➔ Sirf main equity investments ke stocks ko dekhkar turnover calculate kiya gaya hai.
➔ Matlab: Fund ne apne normal long-term stocks kitne badle.
 Portfolio Turnover (including Equity Arbitrage)
➔ Equity arbitrage deals bhi add kiye gaye hain.
➔ Arbitrage deals = short-term trading hoti hai — ek market me kharida, doosre market
me becha — for small profit.
➔ Ye transactions fast hote hain, aur turnover artificially bada sakte hain.

✅ Simple line for audience:

"Main turnover ratio (excluding arbitrage) dekhna better hai — kyunki wo batata hai fund apne
asli long-term stocks me kitni stability rakhta hai."

In your screenshot:

 12.98% (excluding arbitrage) = Real investment turnover

 26.47% (including arbitrage) = Short-term trading bhi count hua

➔ Conclusion: SIP investors ko mostly "excluding arbitrage" turnover dekhna chahiye.

Wo aapko real fund behavior batata hai.

🧩 What If Beta is Negative?

"Negative Beta ka matlab kya hai?"

 Beta measures how fund moves compared to the market.

 Positive Beta (normally) = Fund aur market same direction me move karte hain.
 Negative Beta = Jab market girta hai, fund badh sakta hai, ya market badhta hai, fund gir
sakta hai.

✅ Simple Explanation:
"Negative Beta wale funds ka market ke saath ulta relation hota hai —
ye rare cases me hota hai, jaise Gold funds, Arbitrage funds, ya defensive strategies wale funds."

Example:

 Gold mutual funds ka beta negative ho sakta hai kyunki jab market girta hai, gold badh
sakta hai.

🔥 Summary You Can Tell in Your Video

 "Portfolio turnover ko jab equity arbitrage hata ke dekhte hain, tab hume fund ka asli
long-term behavior dikhta hai."
 "Aur beta ko dekhte waqt dhyan rahe — agar beta negative hai, toh fund ka market ke
saath relation ulta hai."

✅
Would you also like me to quickly format this into a clean table (Visual + 1-line speaking
points) to help you while shooting video?
It will save you time and make audience understanding even easier! 🎬✨

Shall I? 🚀
Of course!
Let’s explain the ratios from your screenshot in super simple words — the way a normal SIP
investor can easily understand — without jargon.

Here's the breakdown:

📊 Simple Explanation of the Ratios in Your

Factsheet

1️⃣ Beta – 0.63

"Beta batata hai fund market ke comparison me kitna move karta hai."

 Beta 1 ka matlab — fund market ke saath same speed me upar neeche hota hai.
 Beta 0.63 ka matlab — fund market ke movement ka sirf 63% effect leta hai.

✅ Low Beta = Fund zyada stable hai.

(Agar market 10% girta hai, fund shayad sirf 6–7% hi girta hai.)

2️⃣ Standard Deviation – 10.64%

"Standard Deviation batata hai fund ke returns kitne up-down hote hain."

 High Standard Deviation = returns zyada unpredictable.

 Low Standard Deviation = returns zyada stable.

✅ 10.64% ka standard deviation moderate maana ja sakta hai —

fund bohot zyada hilta nahi hai.

3️⃣ Sharpe Ratio – 0.85

"Sharpe Ratio batata hai risk ke badle fund ne kitna extra return diya."

 1 se upar Sharpe = Achha fund (Risk leke reward mil raha hai).
 0.5 se kam Sharpe = Risk zyada, reward kam.
✅ 0.85 ka Sharpe ratio decent hai —
fund risk ke hisaab se thik-thak reward de raha hai.

(Ideally 1+ hota toh aur accha kehte.)

4️⃣ Portfolio Turnover (Excluding Equity Arbitrage) – 12.98%

"Portfolio Turnover batata hai fund apne stocks kitni baar change karta hai."

 12.98% ka turnover = Fund apna portfolio bahut kam badal raha hai.

✅ Low Turnover = Fund stable hai,

buy & hold strategy follow karta hai,
extra hidden cost bhi kam rehti hai.

5️⃣ Portfolio Turnover (Including Equity Arbitrage) – 26.47%

"Ye turnover tab ka calculation hai jab equity arbitrage positions bhi count karte hain."

 26.47% turnover still considered low to moderate.

✅ Good sign: fund manager baar baar stocks nahi badal raha = stability = tax efficiency bhi
achhi.

🎯 Quick Summary Line You Can Say in

Video:
"Is fund ka Beta low hai, Standard Deviation moderate hai, Sharpe ratio thik-thak hai, aur
portfolio turnover bhi low hai —
iska matlab fund kaafi stable hai aur long-term SIP ke liye suitable lag raha hai."

✅ Would you also like me to show how you can create a quick simple table for your video
screen for these ratios?
(Like a clean 1-screen visual for better audience understanding.) 🎬

Shall I make that too? 🚀✨

Of course!
Let’s explain the ratios from your screenshot in super simple words — the way a normal SIP
investor can easily understand — without jargon.

Here's the breakdown:

📊 Simple Explanation of the Ratios in Your

Factsheet

1️⃣ Beta – 0.63

"Beta batata hai fund market ke comparison me kitna move karta hai."

 Beta 1 ka matlab — fund market ke saath same speed me upar neeche hota hai.
 Beta 0.63 ka matlab — fund market ke movement ka sirf 63% effect leta hai.

✅ Low Beta = Fund zyada stable hai.

(Agar market 10% girta hai, fund shayad sirf 6–7% hi girta hai.)

2️⃣ Standard Deviation – 10.64%

"Standard Deviation batata hai fund ke returns kitne up-down hote hain."

 High Standard Deviation = returns zyada unpredictable.

 Low Standard Deviation = returns zyada stable.

✅ 10.64% ka standard deviation moderate maana ja sakta hai —

fund bohot zyada hilta nahi hai.

3️⃣ Sharpe Ratio – 0.85

"Sharpe Ratio batata hai risk ke badle fund ne kitna extra return diya."

 1 se upar Sharpe = Achha fund (Risk leke reward mil raha hai).
 0.5 se kam Sharpe = Risk zyada, reward kam.
✅ 0.85 ka Sharpe ratio decent hai —
fund risk ke hisaab se thik-thak reward de raha hai.

(Ideally 1+ hota toh aur accha kehte.)

4️⃣ Portfolio Turnover (Excluding Equity Arbitrage) – 12.98%

"Portfolio Turnover batata hai fund apne stocks kitni baar change karta hai."

 12.98% ka turnover = Fund apna portfolio bahut kam badal raha hai.

✅ Low Turnover = Fund stable hai,

buy & hold strategy follow karta hai,
extra hidden cost bhi kam rehti hai.

5️⃣ Portfolio Turnover (Including Equity Arbitrage) – 26.47%

"Ye turnover tab ka calculation hai jab equity arbitrage positions bhi count karte hain."

 26.47% turnover still considered low to moderate.

✅ Good sign: fund manager baar baar stocks nahi badal raha = stability = tax efficiency bhi
achhi.

🎯 Quick Summary Line You Can Say in

Video:
"Is fund ka Beta low hai, Standard Deviation moderate hai, Sharpe ratio thik-thak hai, aur
portfolio turnover bhi low hai —
iska matlab fund kaafi stable hai aur long-term SIP ke liye suitable lag raha hai."

✅ Would you also like me to show how you can create a quick simple table for your video
screen for these ratios?
(Like a clean 1-screen visual for better audience understanding.) 🎬

Shall I make that too? 🚀✨