How to Avail Interest free Home loan from Bank

 How to Avail Interest free Home loan from Bank

अगर आप घर बनाने के लिए home loan लेते हैं तो हम आप को एक ट्रिक बताने जा रहे है जिनके चलते आप होम लोन का Load कम कर सकते हैं और आप को अलग से बचत भी नहीं करना पड़ेगा ।

होम लोन अनुमानतः 15/20//25 साल के लिया जाता है ।

मान लीजिए आप 50 लाख का home loan लेते हैं और 15 साल में वापस करना चाहते हैं ।

मान लीजिए आप 8.50% के रेट से होम लोन लिए हैं ।

15 साल में आप का कुल Interest होगा Rs 31,69,538

आप का EMI होगा 45390 और interest मिला कर कुल चुकता करेंगें Rs 81, 70, 000 के करीब ।

अब आप के लिए एक सुझाव है

आप होम लोन को 20 साल के लिए लीजिए ऐसी हालत में आप की EMI कम तो हो जायेगी लेकिन INTEREST की रकम बढ़ जाएगी । (इसकी चिंता न करें आगे पढ़ें ) अगर आप लोन 20 साल के लिए लेते हैं तो आप को कुल इंटरेस्ट देना होगा Rs 42,28, 906 लेकिन EMI होगी Rs 38,454/-

इस तरह दोनो EMI के बीच करीब Rs 6936 (45390-38454) -का अंतर हुआ ।

अब आप इस बचत Rs 6936 को 15 साल के लिए Mutual Fund में हर महीना SIP के जरिए इन्वेस्ट करना शुरू कीजिए । मान लीजिए कम से कम आप को 12% का ही CAGR मिलता है तब भी आप 15 साल में Rs 35,00,000 जमा कर लेंगे । जब की 15 साल का कुल इंटरेस्ट केवल Rs 31,69, 538 ही है । इस तरह 20 साल का लिया होम लोन आप 15 साल में चुका कर foreclosure कर लीजिए और अतिरिक्त Rs 330462 (3500000-3169538) कमाई का आनंद लीजिए ।

बात यहीं खत्म नहीं हो जाती अगर आप इस SIP में हर साल (वेतन वृद्धि आदि होने पर) 10% भी STEP UP करते हैं यानी पहली साल ₹6936 का SIP है तो अगले साल 6936+693=7630 का SIP इस तरह हर साल बढ़ाते हैं तो 12 साल में ही पूरा foreclosure कर पूरा लोन वापस कर सकते हैं । EMI नहीं , सही STRATEGY देखिए । Lekin iske liye chahiye aapko strict discipline , और मार्केट गिरावट पर धैर्य , बस इतना सोचना है आप को मार्केट चाहे गिरे या चढ़े हम 15 साल जरूर SIP करते रहेंगे । यकीन मानिए सफलता आप की है । @अजित

@Ajit

MARRIED WOMEN'S PROPERTY ACT

 क्या आप जानते हैं Married Women’s Property Act के बारे में

MWP Act एक ऐसा कानून है जो married व्यक्ति की life insurance policy को उसकी wife और बच्चों के लिए पूरी तरह सुरक्षित बना देता है।

मान लीजिए आपने बैंक से किसी काम के लिए लोन लिए हैं जैसे कार  खरीदने , घर बनाने आदि, या बिजनेस उधार , creditors आदि है या लाइफ इंश्योरेंस पॉलिसी गिरवी रखे हैं , ऐसी हालत में कोई अनहोनी होने पर इंश्योरेंस से मिले पैसे पर बैंक , क्रेडिटर आदि का हक पहले होगा , उनको पहले चुकाना होगा ।

लेकिन अगर आप पॉलिसी लेते समय MWP Box को टिक कर देते हैं तो फिर  ये Act लागू हो जाएगा 

इस एक्ट के तहत ली गई policy का पैसा न तो किसी बैंक , किसी creditor (कर्ज देने वाले) या किसी रिश्तेदार द्वारा claim किया जा सकता है और न ही किसी legal dispute में अटकता है।

यह policy एक तरह से trust बन जाती है, जिसमें सिर्फ पत्नी और बच्चे ही beneficiary होते हैं, और इसे बाद में बदला भी नहीं जा सकता।

मजे की बात यह है कि अगर Endonment पॉलिसी है और पति के जीवित रहते money back होता है तो वह पैसा भी पति को नहीं बल्कि पत्नी और बच्चों को ही मिलता है ।

MWP केवल life Insurance में ही लागू होती है , चाहे जिस तरह की life Insurance हो ।

इस तरह MWP महिला एवं परिवार सुरक्षा का powerful option है।

अधिक जानकारी के लिए हमे संपर्क कर सकते हैं कभी भी ।

@अजित

What is Gift Nifty

 Nifty vs Gift Nifty :

अक्सर लोग हमसे पूछते हैं कि ये Gift Nifty क्या है और ये Nifty  (निफ्टी50) से अलग कैसे है ??

लोग Gift Nifty और Nifty से कन्फ्यूज हो जाते हैं , तो मैं आज आप को Nifty और Gift Nifty के बारे में बताता हूं ।

⚡Nifty क्या है ??

National Stock Exchange  (NSE) का main stock market index है

यह देश की Top 50 companies का  परफॉर्मेंस बैरोमीटर है जैसे रिलायंस , इन्फोसिस , Tata Steel, HDFC Bank , SBI Bank , MAHINDRA  आदि  आदि , इसे large cap company भी कह सकते हैं ।

SIP, Mutual Fund ,  long-term investment इसी पर आधारित होते हैं । यह सुबह 9.15 से अपराह्न 3.30 pm तक खुली रहती है।

⚡GIFT NIFTY क्या है ?

यह Nifty का future contract है

पहले इसे SGX Nifty कहते थे

अब यह GIFT City अहमदाबाद (India) में ट्रेड होता है । इसलिए इसका नाम SGX NIFTY से  बदल कर GIFT NIFTY  कर दिया गया है ।

⚡इसका काम है:

Global investors को trade करने देना

Market यानी  NSE /BSE को GLOBAL HAPPENINGS का early संकेत (indicator) देता है । 

🔶दोनों में मुख्य अंतर नीचे दिया हूं 

🔶 Nifty vs GIFT Nifty (Simple Difference)

पॉइंट्स समझिए

Nifty  : यह 50  बड़ी कंपनियां का प्रदर्शन indicate करता है इसलिए इसे Nifty 50 भी कहते हैं ।

GIFT Nifty

यह  Futures contract  यानि derivatives (Nifty पर आधारित) होता है ।

कहाँ ट्रेड होता है ?

NIFTY50 : NSE stock exchange  Mumbai  (India) में 

GIFT City अहमदाबाद  (International exchange IFSC)  में ट्रेड होती है ।

Currency

Nifty50  हमेशा INR रु(Rupee) में ट्रेड होती है ।

GIFT NIFTY :  यह 

$ (Dollar)  में ट्रेड होती है ।

Timing

NIFTY50   IST सुबह  9:15 AM – 3:30 PM

🔶Gift NIFTY :

यह दो सेशन में ट्रेड करती है सुबह 6.30AM to 3.40PM फिर 4.35PM to 2.45AM IST मतलब करीब 21 घंटे क्योंकि ग्लोबल टाइम कवर करनी होती है ।

Use

🔶Nifty50 : Mostly retail investors 

🔶Gift Nifty : 

Retail + Institutional

Mainly global/institutional

🔶 Real Life Example

👉 रात में US market गिर गया

➡️ अगली सुबह GIFT Nifty पहले गिरेगा

➡️ फिर Indian market (Nifty) भी नीचे खुल सकता है

इसलिए traders GIFT Nifty देखकर decision लेते हैं।

🔥 कौन बेहतर है?

✅ Long-term investor (हम /आप जैसे के लिए)

👉 Nifty is BEST

SIP, mutual fund, wealth creation

Stable & real market performance

Gift Nifty :

⚡ Trader / Expert के लिए

GIFT Nifty useful है

Global cues समझने के लिए

Overnight trading / hedging आदि के लिए ।

⚡Gift Nifty पहले केवल Foreign  Investors / NRI के लिए खुला था लेकिन अब रेजिडेंट इंडियन  यानी हम आप भी इसमें सीमित मात्रा में ट्रेड / खरीदारी कर सकते हैं ।

⚡अगर आपको Gift Nifty में trade  करने में रुचि है तो हमसे कहिए  , इसकी कुछ अलग Formalities है उसको पूरा कर आप भी शुरुवात कर सकते हैं ।

Only for educational Purpose.

@Ajit

Do You know what is 54EC Bonds

Do You know what is 54EC Bonds

When individuals or businesses sell their capital assets they can accrue capital gains if the asset is sold for a profit or capital loss if the purchase price exceeds the sale price. Capital assets could include land, building etc which if held for more than 36 months or 24 months or 12 months depending on the asset, are called as Long term capital assets. When you accrue capital gain on the sale of such capital assets, the capital gain on such sale is subject to taxation. Long-term capital gain (LTCG) is taxable at 20% (with indexation) or 12.5 % without Indexation for real estate. This is where 54 EC Bonds come into picture to save your hard earned money from being heavily taxed! 54 EC Bonds are also called as Capital Gain Bonds. If a person invests the capital gains accrued from a sale of an asset, into capital gain bonds, they would be eligible for a tax exemption on such gains.

What are 54EC Bonds?

54EC Bonds are investment options that act as a tax saving mechanism! They are a type of bond which are part of fixed income instruments. When you invest in capital gain bonds or 54 EC Bonds, you would be eligible for a tax exemption.

These bonds are tax saving Bonds, the name of which is derived from Section 54EC of the Income Tax Act, 1961. Under this section, an investor need not pay any tax on any long-term capital gains arising on the sale of any property, if the amount accrued as of capital gains is invested in certain specified bonds. Capital gain bonds are one of the various eligible 54 EC investment options. These bonds are issued by certain permitted Public Sector Units which means these entities are backed by the government.

List of Capital Gain Bonds

REC Capital Gains Tax Exemption Bonds-Series – XX

PFC Capital Gain Tax Exemption Bonds –Series X

IRFC Capital Gain Tax Exemption Bonds –Series IX

HUDCO Capital Gains Tax Exemption Bonds - Series I

 Who issues 54 EC bonds

Only a few Public Sector Undertakings (PSUs) are permitted to issue 54 EC Bonds.

Following are a few frequent issuers :

REC - Rural Electrification Corporation Limited (REC 54EC Bonds)

PFC - Power Finance Corporation Limited

IRFC - Indian Railways Finance Corporation Limited

HUDCO - Housing & Urban Development Corporation Limited

Features of 54 EC Bonds

Here are a few features to keep in mind when you invest in 54 EC Bonds

Investment amount

The minimum investment amount is INR 20,000 (2 bonds) and the maximum amount is INR 50 Lakhs in a financial year (500 bonds)

Interest

54EC Bonds have an interest rate of 5.25% per annum currently which is payable annually. This income is taxable although no TDS is deducted.

Tenor

54 EC bonds have a maturity of 5 years from the date of issuance.

Lock-in

These bonds have a lock-in of 5 years from the date you invest which are then automatically redeemed at par at maturity

Holding

54 EC bonds can be held in your existing demat accounts or in physical form based on your preference.

Time Limit to invest

Investment in 54 EC Bonds should be within six months from the capital asset sale to avail the exemption

Exemption

Exemption is claimed only for profits from property sales comprising land and buildings, both residential and commercial

Benefits of 54EC Bonds

Safe and secure

Capital gain bonds 54 EC are a safe investment option as they are backed by the government and therefore carry minimal risk.

Tax saving option

Capital gain bonds are tax exempted which makes it a great tax saving investment option that can also be reinvested.

High Rating

54 EC Bonds have a rating of AAA as these bonds are backed by the government. This makes these bonds a safe investment option.

Additional income

Investors can earn 5.25% interest annually on their investment.

If you want to buy 54EC Capital Gain Bonds to save Tax , Contact us.

BUILD 1 CRORE IN 10 YEARS SIP BY SIP

 

How to Build 1 Crore in 10 years through SIP

 

Building Rs 1 crore in wealth is all you need are three things: consistency, patience, and discipline. There’s no secret formula, no “hot tips” , and definitely no unicorn sighting needed to build wealth. Just old-school endurance of investing regularly, ignoring the noise around market highs and low

 

The 10-year 1 crore plan

If you start an SIP of Rs 45,000 per month and continue for 10 years, assuming an annualised return of 12 per cent, your investment can grow to just over Rs 1 crore.

 

Why 12 per cent? Because that’s a reasonable, data-backed estimate. Over the past decade, large-cap mutual funds have delivered around 12.63 per cent annualised returns, so it’s not an exaggerated number.

 

If you feel you cant afford Rs 45000 SIP every month , you can start a Rs 37,000 monthly SIP, and simply increase your SIP by 5 per cent every year. This is something most of us can manage as our salaries grow. This step-up SIP ensures your investments keep pace with your income and inflation, helping you reach the same Rs 1 crore mark in 10 years.

 

Now for many investors, Rs 37,000–45,000 a month can feel daunting. At this point, it’s easy to get discouraged and think, “What’s the point if I can’t reach a crore in 10 years?”

But here’s the thing: you don’t have to become a crorepati in exactly 10 years.

 

There’s no stopwatch. Investing isn’t a race; it’s a lifelong journey.

 

And as long as you stay consistent, your patience will pay off. Big time.

 

Let’s say you start with a modest Rs 10,000 per month SIP and increase it by 5 per cent every year. Here’s what your journey would look like:

 

Year 1–10: Rs 27 lakh

Year 11–15: +Rs 38 lakh → total Rs 65 lakh

Year 16–20: +Rs 72 lakh → total Rs 1.37 crore

Year 21–25: +Rs 1.36 crore → total Rs 2.73 crore

 

See what happened there? The first 10 years felt slow, but the next 15 were explosive. In fact, your investment can grow far more than a crore (Rs 1.36 crore to be precise) between Years 21 and 25. That’s thanks to compounding

 

The magic of compounding

 

Compounding is the single most powerful concept in investing, and yet, it’s also the most underappreciated.

Think of it as “returns earning returns”. When your profits are reinvested, they start generating more profits, and over time, this snowballs into massive growth.

The secret isn’t genius stock-picking. It’s time.

 

The longer you stay invested, the more compounding works in your favour. That’s why starting early and staying invested matter far more than chasing short-term returns

 

CONCLUSION

Reaching Rs 1 crore may look like a distant dream, but it’s actually just a series of small, consistent steps.

 

Start small, but start now.

Increase your SIP amount as your income grows.

Stay invested, even when markets wobble.

Let compounding do the heavy lifting.

 

Because when you think about it, wealth isn’t built overnight — it’s built every day.

SIF : A New baby is born

 

SIF  : A New baby is born

What is SIF and How it is different from MF ??

What is MF

Most of us are familiar with Mutual Fund .  Mutual Fund pools money from many investors and invests in stocks, bonds, commodities  or a combination thereof, according to a stated investment objective. It is governed by SEBI’s mutual fund regulations and offers:

• Low minimum investment (as low as ₹500 SIPs)
• High transparency with daily NAVs
• Simple long-only strategies (equity, debt, hybrid, index)
• High liquidity with open-ended redemptions

What is a Specialised Investment Fund (SIF)?

A Specialised Investment Fund (SIF) is a new category of mutual fund-like scheme permitted to run complex strategies such as long-short, arbitrage, special situations, and hybrid allocations. It offers:

• Minimum investment of ₹10 lakh (HNIs, family offices)
• Single, defined advanced strategy per scheme
• Combines mutual fund governance with AIF-style flexibility
• Interval or restricted redemption structures

Key Differences Between SIFs and Mutual Funds

Below is a detailed comparison across major parameters.

1. Structure & Regulation

• Mutual Fund: Operates entirely under SEBI Mutual Fund Regulations. Every scheme is part of a mutual fund trust.
• SIF: Housed inside the mutual fund structure but regulated separately under SEBI’s SIF framework, with more flexibility for strategy.

2. Investment Strategy

• Mutual Fund: Primarily long-only (equity, debt, hybrid, index funds). Limited derivative usage for hedging.
• SIF: Advanced strategies like equity long-short, sector rotation, special situations, arbitrage, covered calls, pair trades, etc.  Detailed Guide on Types of SIFs in India.

3. Minimum Investment

• Mutual Fund: Very low entry barrier; ₹500–₹5,000 SIPs possible.
• SIF: High entry barrier; typically ₹10 lakh minimum per investor per strategy.

4. Liquidity / Redemption

• Mutual Fund: Mostly open-ended; daily purchase and redemption at NAV.
• SIF: Many are interval funds with limited redemption windows (e.g. twice a week) or lock-in periods.

5. Risk Profile

• Mutual Fund: Risks are linked to underlying asset class (equity, debt) but generally transparent and diversified.
• SIF: Strategy risk + derivative risk + liquidity risk. More complex than regular MFs; may exhibit hedge fund-like volatility.

6. Taxation

• Mutual Fund: Taxation depends on category (equity/debt); LTCG/STCG as per current laws.
• SIF: Generally LTCG at 12.5% beyond 12–24 months depending on asset class; taxed in investor’s hands; may be more efficient vs Cat III AIFs.

7. Transparency & Reporting

• Mutual Fund: Daily NAV disclosure, monthly factsheets, portfolio transparency.
• SIF: NAV disclosure as per SID; complex positions may be harder for retail investors to interpret.

8. Investor Suitability

• Mutual Fund: Suitable for retail investors, beginners, SIP investors.
• SIF: Designed for HNIs, sophisticated investors seeking tactical/hedge strategies.

Key Differences

 

Regulation : MF is strictly regulated by SEBI , While SIF is also regulated by SEBI but in addition has SIF framework regulation also,

 

Strategies : Its strategy is Long only , Long means only buy ( Equity, Debt, Commidity) and benefit from price rise in underlying Assets . So it mostly works in Bullish market. (MF does not do Short selling means first selling High and buying cheap later.)

SIF strategy is combination of Long, Short, Derivatives (Future, Option) , Hedge   all so it performs both in Bullish and Bear Market.

 

Minimum Investment : In MF you can invest as low as Rs. 500 one time or SIP  so it is popular among common people ( Aam Janta ki choice hai ye). In SIF minimum investment is Rs. 1000000 (Ten Lakh) initially   then can do SIP of any amount.

 

Liquidity : In  MF one can buy or sale any day and any time so it is highly Liquid. SIF can be purchased at interval and  redemption is limited only twice a week.

 

Risk : In MF risk is in Asset class components and also MF does not perform much in Bear market ( When market is falling). SIF strategy is Long – Short , Hedge all so can perform both in Bull as well as Bear Market

 

Transparency : MF is highly transparent , NAV is daily disclosed , you instantly know value of your Fund , SIF is complex investment strategy some components values are known only on expiry days

 

Taxation : MF taxation is Simple as it has only 3 classes Equity , Debt and Hybrid  and all are Long so only LTCG and STCG apply  .  SIF has many components Taxation on derivatives, Short and Long is different  and require calculation of Capital gain differently

     

---

Conclusion

Both Mutual Funds and SIFs operate under SEBI rules and regulations. In fact SIF is new variety of  Mutual Fund itself . But Mutual Fund is very simple and with access of common people . Garib aur Aam Janta bhi MF mei invest kar sakte hain . SIF is for rich and affluent class as every one can not invest Rs. 10 Lakh in one go . Before planning to invest in SIF  assess your income , corpus ,  risk tolerance, liquidity needs, and investment objectives before deciding.

Which one will give you more Profit on your Investment ??

That is the Biggest question . Well MF is proven strategy and every one know that investing in MF is always profitable in the Long run ( 3  years beyond) but SIF is a new born baby still in cradle , It is yet to see the light of Market , Face its volatiliy , show its maturity then only  future will tell its success rate.

Recently 3 SIF has been launched SBI MAGNUM SIF , Edelweiss Altiva SIF and Quant Mutual Funds QSIF and all of them are still in NFO stage.

If you have any queries , please ask us any day any time.

Happy Investing

 

@Ajit

SHOULD YOU INVEST IN SBI SIF

 

Minimum investment Requirement in one go is Rs. 10 Lakh so this article is for you only if you can invest Rs. 10 Lakh in one Fund and one go.... then read ahead...

 

Magnum Hybrid Long-Short Fund NFO Review 2025 – Should You Invest in SBI SIF?

 

SBI Mutual Fund has launched a new offering under its Specialised Investment Fund (SIF) platform – the Magnum Hybrid Long-Short Fund. This innovative product blends equity, derivatives, and fixed income strategies to deliver a balance between growth and stability. The NFO opens on October 1, 2025 and closes on October 15, 2025. If you are an investor seeking hybrid strategies with hedged and directional exposure, this article provides an in-depth review.

 

What is SIF?

Specialised Investment Funds (SIFs) are investment strategies offered under a pooled structure that combine equity, debt, and alternative strategies. Unlike conventional mutual funds, SIFs can take both long and short positions in equities and derivatives, allowing fund managers to capture opportunities across market cycles. SBI SIF offers multiple strategies, and the Magnum Hybrid Long-Short Fund is one of its flagship hybrid strategies.

SIFs under SBI include:

• Arbitrage & Derivatives-focused strategies – target low volatility returns.
• Hybrid Long-Short strategies – combine equity and derivatives for balanced risk/return.
• Fixed Income-oriented strategies – focus on debt with tactical equity exposure.
• Thematic or event-driven strategies – capitalize on special situations.

The Magnum Hybrid Long-Short Fund falls under the hybrid long-short category, which uses a mix of hedged equity, selective unhedged equity, derivatives, and debt instruments.

Magnum Hybrid Long-Short Fund NFO Issue Details

• Scheme Name: Magnum Hybrid Long-Short Fund (Magnum SIF)
• Mutual Fund: SBI Mutual Fund
• NFO Opens: 1 October 2025
• NFO Closes: 15 October 2025
• Minimum Investment: ₹. 10,00,000 (aggregate across SBI SIF strategies)
• Benchmark Index: NIFTY 50 Hybrid Composite Debt 50:50 Index
• Plans & Options: Regular & Direct Plans; Growth and IDCW options available.
• Fund Manager: Mr. Gaurav Mehta
• Re-opening for Continuous Sale/Repurchase: Within 5 business days from the date of allotment

Investment Objective

The objective of the Magnum Hybrid Long-Short Fund is to generate regular income through arbitrage opportunities and derivative strategies like covered calls, and to achieve long-term capital appreciation through selective unhedged equity exposure.

Asset Allocation Pattern

• Equity & Equity related instruments: 65–75%

o                    Hedged/Arbitrage/Derivative strategies: up to 75%

o                    Unhedged (short derivatives): up to 25%

• Debt & Money Market Instruments: 25–35%
• Units issued by REITs & InvITs: up to 10%
• Overseas Securities/ETFs: up to 35% of net assets

This allocation aims to provide a blend of income, liquidity, and growth potential while maintaining risk control through derivatives.

Why to Invest in Magnum Hybrid Long-Short Fund

• Diversification: Exposure across equity, derivatives, and debt.
• Active Risk Management: Use of hedging and arbitrage reduces volatility.
• Potential for Consistent Returns: Arbitrage income plus selective equity upside.
• Flexibility: Ability to take short positions to benefit from market declines.
• Professional Management: Managed by SBI Mutual Fund’s experienced investment team.

Risk Factors

• Market Risk: Equity and derivatives are subject to market fluctuations.
• Credit & Interest Rate Risk: Debt investments carry credit and interest rate risks.
• Derivatives Risk: Leveraged instruments can amplify gains and losses.
• Liquidity Risk: Limited redemption (twice a week) could restrict liquidity.
• Foreign Investments Risk: Currency and political risks on overseas exposures.

Investors must read the Investment Strategy Information Document (ISID) for full risk disclosures.

Who Should Invest in Magnum Hybrid Long-Short Fund?

• Investors with at least ₹. 10 lakhs to allocate across SBI SIF strategies.
• Those seeking a hybrid strategy combining equity, derivatives, and debt.
• Investors with moderate-to-high risk appetite who understand derivatives-based strategies.
• Those aiming for consistent returns with some growth potential over the medium to long term.

Conclusion – Should You Invest in Magnum Hybrid Long-Short Fund?

The Magnum Hybrid Long-Short Fund NFO offers a unique proposition for investors seeking a diversified hybrid strategy under SBI SIF. With a blend of arbitrage income, selective equity upside, and active risk management, it can suit HNI investors looking for medium- to long-term wealth creation with controlled volatility. However, investors should be comfortable with derivatives and hybrid strategies, and must meet the ₹. 10 lakh minimum threshold.

 If you understand market volatility , have basic knowledge of understandingh of stock , debt, commodity , derivatives etc being traded in stock exchange and risk associated with it and can put Rs. 10 Lakh in single scheme you can go for it . The risk reward will be worth . 

Please note that after initial investment of Rs 10 Lakh one can do SIP of any amount , SWP and STP like MF , all features are like MF but in MF trading is not allowed and market benefits from upwards trends only but in SIF trading is allowed and both in rising market and falling market so it benefits from both riing and falling market so provides likely  higher return.

Please note that article is only for your understanding and not an inducement to invest. Please understand that any type of Investment in capital Market involves Risk .