Best Bond Mutual Funds 2026

Updated on October 19, 2026 , 30284 views

Bond Mutual Funds offer higher returns than Bank accounts and are highly liquid in nature, which means that investors can redeem their investment at any point of time. Some of the best major benefits of investing in Bond Funds are low-cost structure, relatively higher returns, high liquidity and reasonable safety.

Bond Funds also known as Debt Funds. It’s a type of Mutual Fund scheme that invests in fixed income instruments such as government & corporate Bonds, money market instruments, corporate debt securities, etc., that offer capital appreciation. Bond Funds are an ideal investment for average risk-averse investors who are looking for stable & regular income. These funds are less volatile and hence are less risky than Equity Funds. Moreover, Bond Funds can be a better alternative to a bank Fixed Deposit.

Following are the best Bond Funds as per the category ranking that can help you achieve your Financial goals and can help you earn better returns.

Difference Between Bond & Bond Mutual Fund

Bonds

They are debt obligations issued by entities, such as corporations or governments. So, when an investor is buying bond, he is lending money to the entity for a defined tenure. In return, you get interest until the end of the tenure.

Bond Funds

They are mutual funds or exchange-trade funds (ETFs) that invest in a Portfolio bonds. Ideally, bond funds are comprised of a certain type of bond, such as corporate or government. They are further defined by maturity, such as given below.

Why to Invest in Bond Mutual Funds?

Some of the important benefits of these funds are:

Bond Funds are a good option for earning regular income. For instance, choosing dividend payout can be an option for regular income.
It is a good option to plan short financial goals. In a shorter duration, these funds ensure safety returns and as highly liquid as well.
In Bond Funds, you can withdraw/redeem even partial money from your investment at any point and can let the remaining money stay invested.
As, Bond Funds majorly invest in government securities they are not affected by the Volatility of the equity market. Hence, it’s an optimal investment avenue for those who are risk-averse.

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Fund Selection Methodology used to find 5 funds

Category: Debt
Sub-category: Liquid%20Fund, Ultrashort%20Bond, Overnight
Sorted On : drat (high to low)
Tags: fcpro
No Of Funds: 5

Bond Funds to Invest for < 1 year

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2025 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Indiabulls Liquid Fund Growth	₹2,733.77 ↑ 0.14	₹301	1.5	3.1	6.4	6.8	6.6	6.4%	1M 18D	1M 18D
PGIM India Insta Cash Fund Growth	₹368.049 ↑ 0.03	₹1,438	1.5	3.1	6.4	6.8	6.5	6.15%	1M 10D	1M 10D
JM Liquid Fund Growth	₹77.0237 ↓ 0.00	₹1,701	1.5	3.1	6.3	6.7	6.4	6.12%	1M 8D	1M 11D
Aditya Birla Sun Life Savings Fund Growth	₹594.213 ↓ -0.35	₹16,279	1.4	3.1	6.2	7.2	7.4	7.61%	6M 7D	7M 13D
Axis Liquid Fund Growth	₹3,149.61 ↑ 0.03	₹53,470	1.5	3.1	6.4	6.9	6.6	6.37%	1M 19D	1M 19D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 21 Oct 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Indiabulls Liquid Fund	PGIM India Insta Cash Fund	JM Liquid Fund	Aditya Birla Sun Life Savings Fund	Axis Liquid Fund
Point 1	Bottom quartile AUM (₹301 Cr).	Bottom quartile AUM (₹1,438 Cr).	Lower mid AUM (₹1,701 Cr).	Upper mid AUM (₹16,279 Cr).	Highest AUM (₹53,470 Cr).
Point 2	Established history (14+ yrs).	Established history (19+ yrs).	Oldest track record among peers (28 yrs).	Established history (23+ yrs).	Established history (17+ yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 5★ (lower mid).	Rating: 5★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Moderately Low.	Risk profile: Low.
Point 5	1Y return: 6.40% (upper mid).	1Y return: 6.39% (lower mid).	1Y return: 6.26% (bottom quartile).	1Y return: 6.16% (bottom quartile).	1Y return: 6.45% (top quartile).
Point 6	1M return: 0.46% (top quartile).	1M return: 0.45% (upper mid).	1M return: 0.44% (bottom quartile).	1M return: 0.30% (bottom quartile).	1M return: 0.44% (lower mid).
Point 7	Sharpe: 3.19 (top quartile).	Sharpe: 3.02 (lower mid).	Sharpe: 2.66 (bottom quartile).	Sharpe: 0.96 (bottom quartile).	Sharpe: 3.18 (upper mid).
Point 8	Information ratio: 1.47 (top quartile).	Information ratio: 1.28 (upper mid).	Information ratio: 0.33 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.40% (upper mid).	Yield to maturity (debt): 6.15% (bottom quartile).	Yield to maturity (debt): 6.12% (bottom quartile).	Yield to maturity (debt): 7.61% (top quartile).	Yield to maturity (debt): 6.37% (lower mid).
Point 10	Modified duration: 0.13 yrs (lower mid).	Modified duration: 0.11 yrs (upper mid).	Modified duration: 0.11 yrs (top quartile).	Modified duration: 0.52 yrs (bottom quartile).	Modified duration: 0.14 yrs (bottom quartile).

Indiabulls Liquid Fund

Bottom quartile AUM (₹301 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.40% (upper mid).
1M return: 0.46% (top quartile).
Sharpe: 3.19 (top quartile).
Information ratio: 1.47 (top quartile).
Yield to maturity (debt): 6.40% (upper mid).
Modified duration: 0.13 yrs (lower mid).

PGIM India Insta Cash Fund

Bottom quartile AUM (₹1,438 Cr).
Established history (19+ yrs).
Rating: 5★ (upper mid).
Risk profile: Low.
1Y return: 6.39% (lower mid).
1M return: 0.45% (upper mid).
Sharpe: 3.02 (lower mid).
Information ratio: 1.28 (upper mid).
Yield to maturity (debt): 6.15% (bottom quartile).
Modified duration: 0.11 yrs (upper mid).

JM Liquid Fund

Lower mid AUM (₹1,701 Cr).
Oldest track record among peers (28 yrs).
Rating: 5★ (lower mid).
Risk profile: Low.
1Y return: 6.26% (bottom quartile).
1M return: 0.44% (bottom quartile).
Sharpe: 2.66 (bottom quartile).
Information ratio: 0.33 (lower mid).
Yield to maturity (debt): 6.12% (bottom quartile).
Modified duration: 0.11 yrs (top quartile).

Aditya Birla Sun Life Savings Fund

Upper mid AUM (₹16,279 Cr).
Established history (23+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.16% (bottom quartile).
1M return: 0.30% (bottom quartile).
Sharpe: 0.96 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.61% (top quartile).
Modified duration: 0.52 yrs (bottom quartile).

Axis Liquid Fund

Highest AUM (₹53,470 Cr).
Established history (17+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Low.
1Y return: 6.45% (top quartile).
1M return: 0.44% (lower mid).
Sharpe: 3.18 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.37% (lower mid).
Modified duration: 0.14 yrs (bottom quartile).

About the Fincash Research Team

At Fincash, our mission is to help investors make informed, confident decisions. With over 10 years in Mutual Fund distribution, our team blends deep industry expertise with a commitment to transparency, accuracy, and investor education.

Who We Are

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Location: Thane, Maharashtra, India
Experience: 10+ years in Mutual Fund distribution

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Certified Mutual Fund Distributors with hands-on advisory experience.
Market analysts tracking performance, macro trends, and sectors.
Data specialists processing NAVs, allocations, and risk metrics from Morning Star.

Our Research Process

Data sourcing: SEBI-registered fund houses & verified third-party provider Morning Star
Screening: Returns, manager track record, expenses, sector mix, risk-adjusted metrics.
Expert review: Senior team members review every article and list for accuracy.
Updates: Regular refreshes so performance data reflects current market conditions.

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Bond Funds to Invest for > 1 year

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2025 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
PGIM India Short Maturity Fund Growth	₹39.3202 ↓ 0.00	₹28	1.2	3.1	6.1	4.2		7.18%	1Y 7M 28D	1Y 11M 1D
Aditya Birla Sun Life Medium Term Plan Growth	₹43.6066 ↓ -0.07	₹3,370	0.1	2.3	6.7	9.6	10.9	7.99%	2Y 5M 8D	4Y 25D
Axis Strategic Bond Fund Growth	₹30.0241 ↓ -0.05	₹1,972	0.1	2.3	4.8	7.5	8.2	8.72%	3Y 29D	4Y 6M
Nippon India Strategic Debt Fund Growth	₹16.8056 ↓ -0.02	₹146	0.1	2.1	4.4	7.7	9.6	0.08%	3Y 5M 23D	4Y 8M 8D
ICICI Prudential Short Term Fund Growth	₹64.1912 ↓ -0.09	₹18,890	0.2	1.9	4.4	6.9	8	8.06%	2Y 8M 19D	4Y 7M 20D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 23

Research Highlights & Commentary of 5 Funds showcased

Commentary	PGIM India Short Maturity Fund	Aditya Birla Sun Life Medium Term Plan	Axis Strategic Bond Fund	Nippon India Strategic Debt Fund	ICICI Prudential Short Term Fund
Point 1	Bottom quartile AUM (₹28 Cr).	Upper mid AUM (₹3,370 Cr).	Lower mid AUM (₹1,972 Cr).	Bottom quartile AUM (₹146 Cr).	Highest AUM (₹18,890 Cr).
Point 2	Established history (23+ yrs).	Established history (17+ yrs).	Established history (14+ yrs).	Established history (12+ yrs).	Oldest track record among peers (25 yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 6.08% (upper mid).	1Y return: 6.66% (top quartile).	1Y return: 4.77% (lower mid).	1Y return: 4.40% (bottom quartile).	1Y return: 4.36% (bottom quartile).
Point 6	1M return: 0.43% (top quartile).	1M return: -0.45% (bottom quartile).	1M return: -0.43% (lower mid).	1M return: -0.39% (upper mid).	1M return: -0.45% (bottom quartile).
Point 7	Sharpe: -0.98 (bottom quartile).	Sharpe: 0.92 (top quartile).	Sharpe: 0.13 (upper mid).	Sharpe: -0.06 (lower mid).	Sharpe: -0.11 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.18% (bottom quartile).	Yield to maturity (debt): 7.99% (lower mid).	Yield to maturity (debt): 8.72% (top quartile).	Yield to maturity (debt): 0.08% (bottom quartile).	Yield to maturity (debt): 8.06% (upper mid).
Point 10	Modified duration: 1.66 yrs (top quartile).	Modified duration: 2.44 yrs (upper mid).	Modified duration: 3.08 yrs (bottom quartile).	Modified duration: 3.48 yrs (bottom quartile).	Modified duration: 2.72 yrs (lower mid).

PGIM India Short Maturity Fund

Bottom quartile AUM (₹28 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 6.08% (upper mid).
1M return: 0.43% (top quartile).
Sharpe: -0.98 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.18% (bottom quartile).
Modified duration: 1.66 yrs (top quartile).

Aditya Birla Sun Life Medium Term Plan

Upper mid AUM (₹3,370 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 6.66% (top quartile).
1M return: -0.45% (bottom quartile).
Sharpe: 0.92 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.99% (lower mid).
Modified duration: 2.44 yrs (upper mid).

Axis Strategic Bond Fund

Lower mid AUM (₹1,972 Cr).
Established history (14+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 4.77% (lower mid).
1M return: -0.43% (lower mid).
Sharpe: 0.13 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.72% (top quartile).
Modified duration: 3.08 yrs (bottom quartile).

Nippon India Strategic Debt Fund

Bottom quartile AUM (₹146 Cr).
Established history (12+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 4.40% (bottom quartile).
1M return: -0.39% (upper mid).
Sharpe: -0.06 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 0.08% (bottom quartile).
Modified duration: 3.48 yrs (bottom quartile).

ICICI Prudential Short Term Fund

Highest AUM (₹18,890 Cr).
Oldest track record among peers (25 yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 4.36% (bottom quartile).
1M return: -0.45% (bottom quartile).
Sharpe: -0.11 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.06% (upper mid).
Modified duration: 2.72 yrs (lower mid).

Bond Funds to Invest for > 3 years

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2025 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
UTI Gilt Fund Growth	₹64.7579 ↓ -0.17	₹415	-1.5	-0.2	2.5	6	5.1	7.38%	9Y 1M 28D	28Y 6M 7D
SBI Magnum Income Fund Growth	₹73.0847 ↓ -0.17	₹2,036	-0.9	1	2.1	5.8	5.9	7.94%	4Y 3M 29D	7Y 11M 12D
SBI Magnum Gilt Fund Growth	₹67.9519 ↓ -0.11	₹8,067	-0.8	1.5	1.9	6	4.5	7.03%	5Y 3M 22D	15Y 5M 1D
UTI Bond Fund Growth	₹75.5593 ↓ -0.15	₹303	-0.7	1.1	1.8	5.9	5.6	8.25%	4Y 5M 19D	8Y 9M 29D
ICICI Prudential Gilt Fund Growth	₹105.43 ↓ -0.27	₹9,118	-2.4	0.1	0.9	5.7	6.8	7.8%	9Y 1M 13D	20Y 9M 4D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 21 Oct 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Gilt Fund	SBI Magnum Income Fund	SBI Magnum Gilt Fund	UTI Bond Fund	ICICI Prudential Gilt Fund
Point 1	Bottom quartile AUM (₹415 Cr).	Lower mid AUM (₹2,036 Cr).	Upper mid AUM (₹8,067 Cr).	Bottom quartile AUM (₹303 Cr).	Highest AUM (₹9,118 Cr).
Point 2	Established history (24+ yrs).	Established history (27+ yrs).	Established history (25+ yrs).	Oldest track record among peers (28 yrs).	Established history (27+ yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 2.54% (top quartile).	1Y return: 2.10% (upper mid).	1Y return: 1.94% (lower mid).	1Y return: 1.84% (bottom quartile).	1Y return: 0.92% (bottom quartile).
Point 6	1M return: -1.71% (bottom quartile).	1M return: -1.00% (lower mid).	1M return: -0.58% (top quartile).	1M return: -0.80% (upper mid).	1M return: -2.02% (bottom quartile).
Point 7	Sharpe: -0.38 (top quartile).	Sharpe: -0.62 (lower mid).	Sharpe: -0.74 (bottom quartile).	Sharpe: -0.85 (bottom quartile).	Sharpe: -0.50 (upper mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.38% (bottom quartile).	Yield to maturity (debt): 7.94% (upper mid).	Yield to maturity (debt): 7.03% (bottom quartile).	Yield to maturity (debt): 8.25% (top quartile).	Yield to maturity (debt): 7.80% (lower mid).
Point 10	Modified duration: 9.16 yrs (bottom quartile).	Modified duration: 4.33 yrs (top quartile).	Modified duration: 5.31 yrs (lower mid).	Modified duration: 4.47 yrs (upper mid).	Modified duration: 9.12 yrs (bottom quartile).

UTI Gilt Fund

Bottom quartile AUM (₹415 Cr).
Established history (24+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 2.54% (top quartile).
1M return: -1.71% (bottom quartile).
Sharpe: -0.38 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.38% (bottom quartile).
Modified duration: 9.16 yrs (bottom quartile).

SBI Magnum Income Fund

Lower mid AUM (₹2,036 Cr).
Established history (27+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 2.10% (upper mid).
1M return: -1.00% (lower mid).
Sharpe: -0.62 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.94% (upper mid).
Modified duration: 4.33 yrs (top quartile).

SBI Magnum Gilt Fund

Upper mid AUM (₹8,067 Cr).
Established history (25+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 1.94% (lower mid).
1M return: -0.58% (top quartile).
Sharpe: -0.74 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.03% (bottom quartile).
Modified duration: 5.31 yrs (lower mid).

UTI Bond Fund

Bottom quartile AUM (₹303 Cr).
Oldest track record among peers (28 yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 1.84% (bottom quartile).
1M return: -0.80% (upper mid).
Sharpe: -0.85 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.25% (top quartile).
Modified duration: 4.47 yrs (upper mid).

ICICI Prudential Gilt Fund

Highest AUM (₹9,118 Cr).
Established history (27+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 0.92% (bottom quartile).
1M return: -2.02% (bottom quartile).
Sharpe: -0.50 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.80% (lower mid).
Modified duration: 9.12 yrs (bottom quartile).

Best 10-Year Govt. Bond Funds

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2025 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
SBI Magnum Constant Maturity Fund Growth	₹64.8592 ↓ -0.18	₹1,501	-2.7	-0.3	0.5	6.1	6.7	7.31%	6Y 8M 19D	9Y 7M 13D
Bandhan Government Securities Fund - Constant Maturity Plan Growth	₹47.2797 ↓ -0.12	₹285	-2.4	0.2	1.7	7	7.5	0%
ICICI Prudential Constant Maturity Gilt Fund Growth	₹25.4024 ↓ -0.07	₹1,935	-2.6	0.1	1.3	6.7	7.5	7.37%	6Y 9M 22D	9Y 10M 6D
DSP 10Y G-Sec Fund Growth	₹21.9097 ↓ -0.06	₹37	-2.7	-0.7	-0.6	5.6	6.2	7%	6Y 8M 19D	8Y 10M 10D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 21 Oct 26

Research Highlights & Commentary of 4 Funds showcased

Commentary	SBI Magnum Constant Maturity Fund	Bandhan Government Securities Fund - Constant Maturity Plan	ICICI Prudential Constant Maturity Gilt Fund	DSP 10Y G-Sec Fund
Point 1	Upper mid AUM (₹1,501 Cr).	Lower mid AUM (₹285 Cr).	Highest AUM (₹1,935 Cr).	Bottom quartile AUM (₹37 Cr).
Point 2	Oldest track record among peers (25 yrs).	Established history (24+ yrs).	Established history (12+ yrs).	Established history (12+ yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 0.51% (lower mid).	1Y return: 1.73% (top quartile).	1Y return: 1.31% (upper mid).	1Y return: -0.60% (bottom quartile).
Point 6	1M return: -2.00% (lower mid).	1M return: -1.89% (top quartile).	1M return: -1.96% (upper mid).	1M return: -2.01% (bottom quartile).
Point 7	Sharpe: -0.71 (lower mid).	Sharpe: -0.37 (top quartile).	Sharpe: -0.50 (upper mid).	Sharpe: -1.10 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.31% (upper mid).	Yield to maturity (debt): 0.00% (bottom quartile).	Yield to maturity (debt): 7.37% (top quartile).	Yield to maturity (debt): 7.00% (lower mid).
Point 10	Modified duration: 6.72 yrs (upper mid).	Modified duration: 0.00 yrs (top quartile).	Modified duration: 6.81 yrs (bottom quartile).	Modified duration: 6.72 yrs (lower mid).

SBI Magnum Constant Maturity Fund

Upper mid AUM (₹1,501 Cr).
Oldest track record among peers (25 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 0.51% (lower mid).
1M return: -2.00% (lower mid).
Sharpe: -0.71 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.31% (upper mid).
Modified duration: 6.72 yrs (upper mid).

Bandhan Government Securities Fund - Constant Maturity Plan

Lower mid AUM (₹285 Cr).
Established history (24+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 1.73% (top quartile).
1M return: -1.89% (top quartile).
Sharpe: -0.37 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 0.00% (bottom quartile).
Modified duration: 0.00 yrs (top quartile).

ICICI Prudential Constant Maturity Gilt Fund

Highest AUM (₹1,935 Cr).
Established history (12+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 1.31% (upper mid).
1M return: -1.96% (upper mid).
Sharpe: -0.50 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.37% (top quartile).
Modified duration: 6.81 yrs (bottom quartile).

DSP 10Y G-Sec Fund

Bottom quartile AUM (₹37 Cr).
Established history (12+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: -0.60% (bottom quartile).
1M return: -2.01% (bottom quartile).
Sharpe: -1.10 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.00% (lower mid).
Modified duration: 6.72 yrs (lower mid).

*Below is the list of Bond Mutual Funds having net assets 50 Crore and having managed assets for over 3 Years. Based on heighest Yield to Maturity (YTM)

1. Axis Strategic Bond Fund

(Erstwhile Axis Income Fund)

To generate optimal returns in the medium term while maintaining liquidity of the portfolio by investing in debt and money market instruments.

Research Highlights for Axis Strategic Bond Fund

Lower mid AUM (₹1,972 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 4.77% (upper mid).
1M return: -0.43% (upper mid).
Sharpe: 0.13 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 8.72% (top quartile).
Modified duration: 3.08 yrs (bottom quartile).
Average maturity: 4.50 yrs (upper mid).
Exit load: 0-12 Months (1%),12 Months and above(NIL).
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~94%).
High-quality debt (AAA/AA ~92%).
Largest holding 6.94% Govt Stock 2036 (~8.4%).

Below is the key information for Axis Strategic Bond Fund

Axis Strategic Bond Fund Growth
Launch Date	28 Mar 12
NAV (21 Oct 26)	₹30.0241 ↓ -0.05 (-0.17 %)
Net Assets (Cr)	₹1,972 on 30 Sep 26
Category	Debt - Medium term Bond
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.32
Sharpe Ratio	0.13
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity	8.72%
Effective Maturity	4 Years 6 Months
Modified Duration	3 Years 29 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,302
30 Sep 23	₹11,027
30 Sep 24	₹12,003
30 Sep 25	₹12,994
30 Sep 26	₹13,750

Axis Strategic Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Axis Strategic Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Oct 26

Duration	Returns
1 Month	-0.4%
3 Month	0.1%
6 Month	2.3%
1 Year	4.8%
3 Year	7.5%
5 Year	6.5%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	8.2%
2024	8.7%
2023	7.3%
2022	3.8%
2021	5.2%
2020	10.5%
2019	7.1%
2018	6.7%
2017	7.5%
2016	11.6%

Fund Manager information for Axis Strategic Bond Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	13.83 Yr.
Sachin Jain	1 Feb 23	3.58 Yr.
Akhil Thakker	1 Feb 23	3.58 Yr.

Data below for Axis Strategic Bond Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	2.55%
Equity	3.48%
Debt	93.67%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	71.52%
Government	22.15%
Cash Equivalent	2.55%

Credit Quality

Rating	Value
A	7.59%
AA	55.74%
AAA	36.67%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.94% Govt Stock 2036 Sovereign Bonds \| -	8%	₹176 Cr	17,750,000 ↓ -5,500,000
Jubilant Beverages Limited Debentures \| -	3%	₹73 Cr	6,500
GMR Hyderabad International Airport Ltd Debentures \| -	3%	₹66 Cr	6,500
Tamilnadu State Development Loans Sovereign Bonds \| -	3%	₹62 Cr	6,358,600
Jubilant Bevco Limited Debentures \| -	3%	₹62 Cr	5,500
Vedanta Aluminium Metal Limited Debentures \| -	3%	₹60 Cr	6,000
Adani Power Limited Debentures \| -	3%	₹60 Cr	6,000
Delhi International Airport Limited Debentures \| -	3%	₹56 Cr	5,500
Aditya Birla Digital Fashion Ventures Limited Debentures \| -	3%	₹55 Cr	5,500
Hiranandani Financial Services Private Limited Debentures \| -	2%	₹52 Cr	5,200

2. HDFC Medium Term Debt Fund

(Erstwhile HDFC High Interest Fund - Short Term Plan)

To generate income by investing in a range of debt and money market instruments of various maturity dates with a view to maximising income while maintaining the optimum balance of yield, safety and liquidity. The objective is to cater to the needs of investors with shorter term investment horizons and to provide stable returns over shorter periods.

Research Highlights for HDFC Medium Term Debt Fund

Upper mid AUM (₹3,499 Cr).
Established history (24+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 4.77% (upper mid).
1M return: -0.25% (top quartile).
Sharpe: 0.08 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 8.65% (upper mid).
Modified duration: 2.16 yrs (top quartile).
Average maturity: 2.82 yrs (top quartile).
Exit load: 0-1 Months (0.25%),1 Months and above(NIL).
Top sector: Real Estate.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~86%).
High-quality debt (AAA/AA ~97%).
Largest holding SIDDHIVINAYAK SECURITISATION TRUST (~4.9%).

Below is the key information for HDFC Medium Term Debt Fund

HDFC Medium Term Debt Fund Growth
Launch Date	6 Feb 02
NAV (21 Oct 26)	₹60.2268 ↓ -0.11 (-0.19 %)
Net Assets (Cr)	₹3,499 on 30 Sep 26
Category	Debt - Medium term Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.32
Sharpe Ratio	0.08
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Months (0.25%),1 Months and above(NIL)
Yield to Maturity	8.65%
Effective Maturity	2 Years 9 Months 25 Days
Modified Duration	2 Years 1 Month 28 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,184
30 Sep 23	₹10,890
30 Sep 24	₹11,793
30 Sep 25	₹12,660
30 Sep 26	₹13,383

HDFC Medium Term Debt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for HDFC Medium Term Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Oct 26

Duration	Returns
1 Month	-0.2%
3 Month	0.4%
6 Month	2.4%
1 Year	4.8%
3 Year	7.1%
5 Year	6%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.7%
2024	8.1%
2023	6.7%
2022	2.9%
2021	5%
2020	10%
2019	9.1%
2018	5.6%
2017	5.5%
2016	11.5%

Fund Manager information for HDFC Medium Term Debt Fund

Name	Since	Tenure
Anil Bamboli	7 Mar 26	0.49 Yr.
Praveen Jain	7 Mar 26	0.49 Yr.
Dhruv Muchhal	22 Jun 23	3.2 Yr.
Bhavyesh Divecha	1 Mar 25	1.5 Yr.

Data below for HDFC Medium Term Debt Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	8.73%
Equity	3.21%
Debt	86.45%
Other	1.62%

Debt Sector Allocation

Sector	Value
Corporate	76.7%
Government	11.12%
Cash Equivalent	7.36%

Credit Quality

Rating	Value
A	3%
AA	53.51%
AAA	43.5%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	5%	₹174 Cr	175
GMR Airports Limited Debentures \| -	4%	₹159 Cr	15,000
Jubilant Beverages Limited Debentures \| -	3%	₹120 Cr	10,720
7.23% Govt Stock 2039 Sovereign Bonds \| -	3%	₹100 Cr	10,000,000 ↓ -500,000
Small Industries Development Bank Of India Debentures \| -	3%	₹100 Cr	10,000
SK Finance Limited Debentures \| -	3%	₹100 Cr	10,000
Kalpataru Projects International Limited Debentures \| -	3%	₹100 Cr	10,000
Sbfc Finance Limited Debentures \| -	3%	₹99 Cr	10,000
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	3%	₹99 Cr	100
Kosamattam Finance Limited Debentures \| -	3%	₹98 Cr	10,000

3. Kotak Medium Term Fund

The investment objective of the scheme is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments. There is no assurance or guarantee that the investment objective of the scheme will be achieved

Research Highlights for Kotak Medium Term Fund

Bottom quartile AUM (₹1,912 Cr).
Established history (12+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 4.10% (bottom quartile).
1M return: -0.78% (bottom quartile).
Sharpe: 0.01 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 8.46% (upper mid).
Modified duration: 2.77 yrs (upper mid).
Average maturity: 5.23 yrs (lower mid).
Exit load: 0-18 Months (2%),18 Months and above(NIL).
Top sector: Real Estate.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~85%).
High-quality debt (AAA/AA ~92%).
Largest holding Jtpm Metal TRaders Limited (~5.6%).

Below is the key information for Kotak Medium Term Fund

Kotak Medium Term Fund Growth
Launch Date	25 Mar 14
NAV (21 Oct 26)	₹24.3593 ↓ -0.07 (-0.27 %)
Net Assets (Cr)	₹1,912 on 30 Sep 26
Category	Debt - Medium term Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.63
Sharpe Ratio	0.01
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-18 Months (2%),18 Months and above(NIL)
Yield to Maturity	8.46%
Effective Maturity	5 Years 2 Months 23 Days
Modified Duration	2 Years 9 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,231
30 Sep 23	₹10,806
30 Sep 24	₹11,866
30 Sep 25	₹12,847
30 Sep 26	₹13,561

Kotak Medium Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Kotak Medium Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Oct 26

Duration	Returns
1 Month	-0.8%
3 Month	-0.1%
6 Month	2%
1 Year	4.1%
3 Year	7.6%
5 Year	6.2%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	8.9%
2024	9%
2023	6.1%
2022	3.2%
2021	4.7%
2020	8.5%
2019	7%
2018	5.4%
2017	6.6%
2016	10.9%

Fund Manager information for Kotak Medium Term Fund

Name	Since	Tenure
Deepak Agrawal	25 Mar 14	12.45 Yr.
Vihag Mishra	1 Jun 25	1.25 Yr.

Data below for Kotak Medium Term Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	5.24%
Equity	9.76%
Debt	84.69%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	74.51%
Government	10.19%
Cash Equivalent	5.24%

Credit Quality

Rating	Value
A	8.22%
AA	57.11%
AAA	34.66%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Jtpm Metal TRaders Limited Debentures \| -	6%	₹108 Cr	10,000
L&T Metro Rail (Hyderabad) Limited Debentures \| -	5%	₹97 Cr	10,000
Bamboo Hotel And Global Centre (Delhi) Private Limited Debentures \| -	5%	₹90 Cr	9,000
Adani Power Limited Debentures \| -	5%	₹90 Cr	9,000
Embassy Office Parks REIT (Real Estate) -, Since 31 May 21 \| 542602	4%	₹79 Cr	1,788,346
360 One Prime Limited Debentures \| -	4%	₹75 Cr	7,500
Mas Financial Services Limited Debentures \| -	4%	₹74 Cr	7,500
TATA Steel Limited Debentures \| -	4%	₹74 Cr	750
Aditya Birla Renewables Limited Debentures \| -	3%	₹60 Cr	6,000
Aditya Birla Real Estate Limited Debentures \| -	3%	₹55 Cr	5,500

4. SBI Magnum Medium Duration Fund

(Erstwhile SBI Regular Savings Fund)

To provide attractive returns to the Magnum holders / Unit holders either through periodic dividends or through capital appreciation through an actively managed portfolio of debt, equity and money market instruments.

Research Highlights for SBI Magnum Medium Duration Fund

Highest AUM (₹6,419 Cr).
Established history (22+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 4.71% (lower mid).
1M return: -0.66% (lower mid).
Sharpe: 0.19 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.37% (lower mid).
Modified duration: 2.94 yrs (upper mid).
Average maturity: 4.28 yrs (upper mid).
Exit load: 0-12 Months (1.5%),12 Months and above(NIL).
Top sector: Real Estate.
Top bond sector: Corporate.
Debt-heavy allocation (~85%).
High-quality debt (AAA/AA ~90%).
Largest holding 6.94% Govt Stock 2036 (~6.9%).

Below is the key information for SBI Magnum Medium Duration Fund

SBI Magnum Medium Duration Fund Growth
Launch Date	12 Nov 03
NAV (21 Oct 26)	₹54.604 ↓ -0.11 (-0.20 %)
Net Assets (Cr)	₹6,419 on 30 Sep 26
Category	Debt - Medium term Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.21
Sharpe Ratio	0.19
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1.5%),12 Months and above(NIL)
Yield to Maturity	8.37%
Effective Maturity	4 Years 3 Months 11 Days
Modified Duration	2 Years 11 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,219
30 Sep 23	₹10,986
30 Sep 24	₹11,884
30 Sep 25	₹12,759
30 Sep 26	₹13,518

SBI Magnum Medium Duration Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for SBI Magnum Medium Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Oct 26

Duration	Returns
1 Month	-0.7%
3 Month	0.1%
6 Month	2.3%
1 Year	4.7%
3 Year	7%
5 Year	6.1%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.5%
2024	8.1%
2023	7.2%
2022	3.4%
2021	3.8%
2020	12.3%
2019	11.1%
2018	6.2%
2017	7.6%
2016	14%

Fund Manager information for SBI Magnum Medium Duration Fund

Name	Since	Tenure
Lokesh Mallya	1 Dec 23	2.75 Yr.
Mohit Jain	30 Nov 17	8.76 Yr.

Data below for SBI Magnum Medium Duration Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	8.4%
Equity	6.47%
Debt	84.79%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	62.69%
Government	23.2%
Cash Equivalent	7.3%

Credit Quality

Rating	Value
A	9.96%
AA	52.21%
AAA	37.83%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.94% Govt Stock 2036 Sovereign Bonds \| -	7%	₹446 Cr	45,000,000
Godrej Properties Limited Debentures \| -	5%	₹301 Cr	30,000
7.06% Govt Stock 2041 Sovereign Bonds \| -	5%	₹296 Cr	30,000,000 ↑ 30,000,000
Jsw Jfe Kalinga Steel Limited Debentures \| -	4%	₹280 Cr	27,000
Yes Bank Limited Debentures \| -	3%	₹225 Cr	2,250
Aditya Birla Real Estate Limited Debentures \| -	3%	₹221 Cr	22,000
Renew Solar Energy (Jharkhand Five) Private Limited Debentures \| -	3%	₹218 Cr	24,000
Jtpm Metal TRaders Limited Debentures \| -	3%	₹216 Cr	20,000
Renserv Global Private Limited Debentures \| -	3%	₹205 Cr	20,500
Motilal Oswal Finvest Limited Debentures \| -	3%	₹201 Cr	20,000

5. ICICI Prudential Medium Term Bond Fund

(Erstwhile ICICI Prudential Corporate Bond Fund)

To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximizing income while maintaining the optimum balance of yield, safety and liquidity.

Research Highlights for ICICI Prudential Medium Term Bond Fund

Upper mid AUM (₹5,331 Cr).
Established history (22+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 4.97% (top quartile).
1M return: -0.63% (upper mid).
Sharpe: 0.34 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.29% (bottom quartile).
Modified duration: 3.03 yrs (lower mid).
Average maturity: 6.03 yrs (bottom quartile).
Exit load: 0-1 Years (1%),1 Years and above(NIL).
Top sector: Real Estate.
Top bond sector: Corporate.
Debt-heavy allocation (~89%).
High-quality debt (AAA/AA ~100%).
Largest holding Embassy Office Parks REIT (~3.7%).

Below is the key information for ICICI Prudential Medium Term Bond Fund

ICICI Prudential Medium Term Bond Fund Growth
Launch Date	15 Sep 04
NAV (21 Oct 26)	₹48.3574 ↓ -0.14 (-0.29 %)
Net Assets (Cr)	₹5,331 on 30 Sep 26
Category	Debt - Medium term Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆
Risk	Moderate
Expense Ratio	1.37
Sharpe Ratio	0.34
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)
Yield to Maturity	8.29%
Effective Maturity	6 Years 11 Days
Modified Duration	3 Years 11 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,324
30 Sep 23	₹11,040
30 Sep 24	₹11,937
30 Sep 25	₹12,981
30 Sep 26	₹13,796

ICICI Prudential Medium Term Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for ICICI Prudential Medium Term Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Oct 26

Duration	Returns
1 Month	-0.6%
3 Month	0.2%
6 Month	2.3%
1 Year	5%
3 Year	7.5%
5 Year	6.5%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	9%
2024	8%
2023	7%
2022	4.2%
2021	5.5%
2020	10.4%
2019	9.2%
2018	5.1%
2017	6.5%
2016	10.2%

Fund Manager information for ICICI Prudential Medium Term Bond Fund

Name	Since	Tenure
Manish Banthia	7 Nov 16	9.82 Yr.
Akhil Kakkar	22 Jan 24	2.61 Yr.

Data below for ICICI Prudential Medium Term Bond Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	1.26%
Equity	9.36%
Debt	89.02%
Other	0.36%

Debt Sector Allocation

Sector	Value
Corporate	65.71%
Government	23.31%
Cash Equivalent	1.26%

Credit Quality

Rating	Value
AA	68.75%
AAA	31.25%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Embassy Office Parks REIT (Real Estate) -, Since 30 Apr 25 \| 542602	4%	₹197 Cr	4,474,126 ↓ -1,320
Adani Enterprises Limited Debentures \| -	3%	₹175 Cr	17,500
Vedanta Aluminium Metal Limited Debentures \| -	3%	₹171 Cr	17,000
6.9% Govt Stock 2065 Sovereign Bonds \| -	3%	₹170 Cr	18,979,000
Jtpm Metal TRaders Limited Debentures \| -	3%	₹162 Cr	15,000
TATA Projects Limited Debentures \| -	3%	₹150 Cr	15,000
Oberoi Realty Limited Debentures \| -	3%	₹149 Cr	15,000
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	3%	₹149 Cr	150
7.34% Govt Stock 2064 Sovereign Bonds \| -	3%	₹141 Cr	14,822,500
Adani Power Limited Debentures \| -	2%	₹125 Cr	12,500

6. UTI Bond Fund

(Erstwhile UTI - Bond Fund)

The Scheme will retain the flexibility to invest in the entire range of debt and money market instruments. The flexibility is being retained to adjust the portfolio in response to a change in the risk to return equation for asset classes under investment, with a view to maintain risks within manageable limits.

Research Highlights for UTI Bond Fund

Bottom quartile AUM (₹303 Cr).
Oldest track record among peers (28 yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 1.84% (bottom quartile).
1M return: -0.80% (bottom quartile).
Sharpe: -0.85 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.25% (bottom quartile).
Modified duration: 4.47 yrs (bottom quartile).
Average maturity: 8.83 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Debt-heavy allocation (~92%).
High-quality debt (AAA/AA ~100%).
Largest holding Summit Digitel Infrastructure Limited (~8.2%).

Below is the key information for UTI Bond Fund

UTI Bond Fund Growth
Launch Date	4 May 98
NAV (21 Oct 26)	₹75.5593 ↓ -0.15 (-0.20 %)
Net Assets (Cr)	₹303 on 30 Sep 26
Category	Debt - Medium to Long term
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.62
Sharpe Ratio	-0.85
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	8.25%
Effective Maturity	8 Years 9 Months 29 Days
Modified Duration	4 Years 5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,847
30 Sep 23	₹11,590
30 Sep 24	₹12,607
30 Sep 25	₹13,327
30 Sep 26	₹13,758

UTI Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for UTI Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Oct 26

Duration	Returns
1 Month	-0.8%
3 Month	-0.7%
6 Month	1.1%
1 Year	1.8%
3 Year	5.9%
5 Year	6.4%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	5.6%
2024	8.5%
2023	6.4%
2022	9.9%
2021	9.4%
2020	1.1%
2019	-5.8%
2018	4%
2017	3.6%
2016	13.9%

Fund Manager information for UTI Bond Fund

Name	Since	Tenure
Amit Sharma	3 Nov 25	0.83 Yr.

Data below for UTI Bond Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	7.48%
Debt	92.2%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	59.2%
Government	33%
Cash Equivalent	7.48%

Credit Quality

Rating	Value
AA	30.15%
AAA	69.85%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Summit Digitel Infrastructure Limited Debentures \| -	8%	₹25 Cr	250
Bajaj Housing Finance Limited Debentures \| -	8%	₹25 Cr	2,500
7.08% Andhra Sgs 2037 Sovereign Bonds \| -	8%	₹24 Cr	250,000,000
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	6%	₹19 Cr	20
Jtpm Metal TRaders Limited Debentures \| -	6%	₹18 Cr	1,700
6.9% Govt Stock 2065 Sovereign Bonds \| -	6%	₹18 Cr	200,000,000
Piramal Finance Limited Debentures \| -	5%	₹15 Cr	1,500
Aditya Birla Renewables Limited Debentures \| -	5%	₹15 Cr	1,500
Muthoot Finance Limited Debentures \| -	5%	₹15 Cr	1,500
Torrent Pharmaceuticals Ltd Debentures \| -	5%	₹15 Cr	1,500

Bond Funds Taxation

Tax implication on Bond Funds or Debt Funds is computed in the following manner-

Short Term Capital Gains

If the holding period of a debt investment is less than 36 months, then it is classified as a short-term investment and these are taxed as per individual's tax slab.

Long Term Capital Gains

If the holding period of debt investment is more than 36 months, then it is classified as a long-term investment and is taxed at 20% with an indexation benefit.

Capital Gains	Investment Holding Gains	Taxation
Short Term Capital Gains	Less than 36 months	As per individual's tax slab
Long Term Capital Gains	More than 36 months	20% with indexation benefits

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.