Top Sectoral SIP Mutual Fund vs Top Thematic SIP Mutual Fund in 5 Years: Which has given higher capital gains on Rs 21,000 monthly investment?

Sectoral funds focus on the businesses within a specific industry. They can focus on sectors such as infrastructure, technology, financial services, healthcare, etc. If it's an infra sectoral fund, it will have 80 per cent of its investment in infra stocks. It will apply to other sector mutual funds as well. 

The positive side of sectoral funds is that they can give above-average returns when the stocks of a particular sector are performing well, but they can fare poorly if the sector's performance slides. Sectoral mutual funds also offer diversification to investors in a number of firms in a specific sector. 

These funds invest in specific themes or trends, such as PSU, technology, clean energy, healthcare, etc. Like sectoral funds, thematic funds also diversify investor investment in a number of companies representing the chosen theme. 

But the performance depends on how stocks in that theme work. These days, PSU thematic funds have been performing well since PSU firms are getting business due to the government's excessive focus on them. 

Quant Infrastructure Fund - Direct Plan is the best sectoral infrastructure fund in terms of annualised SIP returns in 5 years. 

Invesco India PSU Equity Fund - Direct Plan is the best thematic mutual on the basis of annualised SIP returns in the 5-year time frame.

The fund tops the sectoral category with 43.58 per cent anualised SIP returns in the 5-year time frame. 
It has assets under management of Rs 3,991 crore, while its net asset value (NAV) is Rs 45.2310.

Benchmarked against NIFTY Infrastructure TRI, the fund has given 20.20 per cent annualised returns (CAGR) since its inception in January 2013. 
At an expense ratio of 0.66 per cent, the fund has Rs 5,000 as the minimum lump sum investment and Rs 1,000 as the minimum SIP investment. 

The fund has 81.93 per cent of its investments in equity, 14.58 per cent in cash and cash equivalents, and 3.49 per cent in debt. 
In a portfolio of just 19 stocks, the fund has Reliance Industries Limited, Samvardhana Motherson, Tata Power, Life Insurance Corporation, Adani Power, and Kalyani Steels as the main holdings.

The top thematic mutual fund has given 40.12 per cent annualised SIP returns in the 5-year period. 
The fund has an asset base of Rs 1,594 crore, while its NAV is Rs 77.0700.

Benchmarked against BSE PSU TRI, the fund has given 18.68 per cent annualised returns since its launch in January 2013.
At an expense ratio of 0.77 per cent, the fund has Rs 1,000 as the minimum lump sum investment and Rs 500 as the minimum SIP investment.

The fund has 97.47 per cent of its investment in equity and 2.53 per cent in cash and cash equivalents.
In its portfolio of 22 stocks, the fund has NTPC, Power Grid, SBI, BEL, HAL, Bharat Petroleum, and Coal India as the main holdings.

A Rs 12,500 monthly investment in Quant Infrastructure Fund - Direct Plan in 5 years, or Rs 7,50,000 investment overall, has grown to Rs 21,47,200 in the 5-year period.

A Rs 12,500 monthly SIP in Invesco India PSU Equity Fund - Direct Plan has grown to Rs 19,84,141 in the 5-year time frame.