Top 10 Best Direct Mutual Funds to Invest

Updated on February 26, 2026 , 21143 views

Mutual Fund schemes, offer two plans- Regular and Direct. Most of the investors Investing in Mutual Funds usually prefer regular funds, but nevertheless, the interest for direct funds amongst new investors has let to increase in demand. The key factor that differentiates between both these plans are expense ratio, the direct plan’s expense ratio is less as compared to that of a regular plan.

Direct plans are not separate schemes, but they are a variation of the regular plan with a lower expense ratio. So, an investor who wants to invest in a Mutual Fund can either opt for a regular plan or a direct plan. Ideally, an investor who can independently invest in Mutual Funds without seeking the help of an advisor can invest in direct plans.

Let’s learn more about direct fund investments, along with some of the best direct mutual funds to invest.

What are Direct Mutual Funds Investment?

Direct funds are available through a limited number of channels. An investor can mainly invest through the fund house itself, a very few third party securities intermediaries, RTAs such as CAMS/Karvy, and authorized local representatives of the fund house. Mostly, in direct mutual fund investments, no arn (Application Reference Number) is quoted in the investor’s application. Therefore, the commission paid to the investors is very low or sometimes nil. This decreases the cost of customer acquisition for the AMC.

Other than the expense ratio, direct plans are also those where the fund house does not charge distributor expenses/transaction charges/trail fees. The Net Asset Value (NAV) of the mutual fund-direct plan can be higher compared to a regular mutual fund plan.

As the expense ratio of the direct plan is lower, it is said that the investors would get higher returns in comparison to regular plans. A return of about 0.5 percent to 1.5 percent would be higher, depending upon the fund house expense ratio. So, ideally, investors who want to increase their returns by way of reducing the expense ratio can invest in direct mutual fund plans.

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Best Direct Mutual Funds to Invest in India

Here are some of the best direct mutual fund plans based, on- equity & hybrid 3 years returns, debt on 1 year returns, that you can consider while investing.

Fund Selection Methodology used to find 10 funds

Category: Equity
AUM Range: 500 to 100000 Cr
Minimum fund age: 3 years
Sorted On : 3-year return (high to low)
No Of Funds: 10

Best Direct Mutual Fund Plans- Equity Category

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Franklin India Opportunities Fund - Direct Growth	₹283.922 ↑ 0.52	₹8,271	-2.3	1	17.6	30.8	21.8	4.4
Franklin Build India Fund - Direct Growth	₹172.036 ↓ -1.48	₹3,003	2.4	7.1	25.5	29.9	25.3	4.8
Franklin India Feeder - Franklin U S Opportunities Fund - Direct Growth	₹90.5014 ↓ -0.87	₹4,573	-0.8	1.5	10.2	23.8	10.9	12.4
Franklin India Prima Fund - Direct Growth	₹3,043.76 ↓ -32.80	₹12,223	-4.4	-0.5	14.8	23	17.5	2.4
DSP Micro Cap Fund - Direct Growth	₹215.029 ↓ -1.28	₹16,135	-0.8	-0.1	20.9	22.1	21.3	-1.9
Sundaram SMILE Fund - Direct Growth	₹280.748 ↓ -2.65	₹3,285	-4.1	0	19.2	21.5	20.9	1.5
Edelweiss Economic Resurgence Fund - Direct Growth	₹45.498 ↓ -0.60	₹3,133	-1.5	4.2	18.5	21.4	17.8	7
Franklin India Prima Plus - Direct Growth	₹1,820.25 ↓ -17.62	₹19,528	-3.1	1.1	12.5	20	17.1	4.1
UTI Banking Sector Fund - Direct Growth	₹232.245 ↓ -3.69	₹1,400	1.4	10.4	25.1	20	14.9	17.5
Templeton India Growth Fund - Direct Growth	₹819.133 ↓ -7.17	₹2,265	-0.7	4.2	15	19.8	19.3	8.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 26 Feb 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	Franklin India Opportunities Fund - Direct	Franklin Build India Fund - Direct	Franklin India Feeder - Franklin U S Opportunities Fund - Direct	Franklin India Prima Fund - Direct	DSP Micro Cap Fund - Direct	Sundaram SMILE Fund - Direct	Edelweiss Economic Resurgence Fund - Direct	Franklin India Prima Plus - Direct	UTI Banking Sector Fund - Direct	Templeton India Growth Fund - Direct
Point 1	Upper mid AUM (₹8,271 Cr).	Bottom quartile AUM (₹3,003 Cr).	Upper mid AUM (₹4,573 Cr).	Upper mid AUM (₹12,223 Cr).	Top quartile AUM (₹16,135 Cr).	Lower mid AUM (₹3,285 Cr).	Lower mid AUM (₹3,133 Cr).	Highest AUM (₹19,528 Cr).	Bottom quartile AUM (₹1,400 Cr).	Bottom quartile AUM (₹2,265 Cr).
Point 2	Oldest track record among peers (13 yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (11+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.
Point 5	5Y return: 21.79% (top quartile).	5Y return: 25.33% (top quartile).	5Y return: 10.89% (bottom quartile).	5Y return: 17.53% (lower mid).	5Y return: 21.26% (upper mid).	5Y return: 20.90% (upper mid).	5Y return: 17.77% (lower mid).	5Y return: 17.07% (bottom quartile).	5Y return: 14.89% (bottom quartile).	5Y return: 19.26% (upper mid).
Point 6	3Y return: 30.84% (top quartile).	3Y return: 29.91% (top quartile).	3Y return: 23.78% (upper mid).	3Y return: 23.03% (upper mid).	3Y return: 22.14% (upper mid).	3Y return: 21.46% (lower mid).	3Y return: 21.44% (lower mid).	3Y return: 20.03% (bottom quartile).	3Y return: 19.98% (bottom quartile).	3Y return: 19.76% (bottom quartile).
Point 7	1Y return: 17.62% (lower mid).	1Y return: 25.51% (top quartile).	1Y return: 10.19% (bottom quartile).	1Y return: 14.76% (bottom quartile).	1Y return: 20.88% (upper mid).	1Y return: 19.25% (upper mid).	1Y return: 18.55% (upper mid).	1Y return: 12.54% (bottom quartile).	1Y return: 25.09% (top quartile).	1Y return: 15.03% (lower mid).
Point 8	Alpha: 0.23 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: -10.48 (bottom quartile).	Alpha: -3.28 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: 4.37 (top quartile).	Alpha: 3.20 (top quartile).	Alpha: -0.86 (bottom quartile).	Alpha: 2.22 (upper mid).	Alpha: 1.07 (upper mid).
Point 9	Sharpe: 0.20 (lower mid).	Sharpe: 0.27 (upper mid).	Sharpe: 0.21 (upper mid).	Sharpe: 0.03 (bottom quartile).	Sharpe: 0.02 (bottom quartile).	Sharpe: 0.07 (bottom quartile).	Sharpe: 0.43 (top quartile).	Sharpe: 0.13 (lower mid).	Sharpe: 1.15 (top quartile).	Sharpe: 0.28 (upper mid).
Point 10	Information ratio: 1.86 (top quartile).	Information ratio: 0.00 (lower mid).	Information ratio: -1.69 (bottom quartile).	Information ratio: -0.29 (bottom quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.04 (lower mid).	Information ratio: 1.50 (top quartile).	Information ratio: 0.93 (upper mid).	Information ratio: 0.57 (upper mid).	Information ratio: 0.69 (upper mid).

Franklin India Opportunities Fund - Direct

Upper mid AUM (₹8,271 Cr).
Oldest track record among peers (13 yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 21.79% (top quartile).
3Y return: 30.84% (top quartile).
1Y return: 17.62% (lower mid).
Alpha: 0.23 (upper mid).
Sharpe: 0.20 (lower mid).
Information ratio: 1.86 (top quartile).

Franklin Build India Fund - Direct

Bottom quartile AUM (₹3,003 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: High.
5Y return: 25.33% (top quartile).
3Y return: 29.91% (top quartile).
1Y return: 25.51% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.27 (upper mid).
Information ratio: 0.00 (lower mid).

Franklin India Feeder - Franklin U S Opportunities Fund - Direct

Upper mid AUM (₹4,573 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: High.
5Y return: 10.89% (bottom quartile).
3Y return: 23.78% (upper mid).
1Y return: 10.19% (bottom quartile).
Alpha: -10.48 (bottom quartile).
Sharpe: 0.21 (upper mid).
Information ratio: -1.69 (bottom quartile).

Franklin India Prima Fund - Direct

Upper mid AUM (₹12,223 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 17.53% (lower mid).
3Y return: 23.03% (upper mid).
1Y return: 14.76% (bottom quartile).
Alpha: -3.28 (bottom quartile).
Sharpe: 0.03 (bottom quartile).
Information ratio: -0.29 (bottom quartile).

DSP Micro Cap Fund - Direct

Top quartile AUM (₹16,135 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 21.26% (upper mid).
3Y return: 22.14% (upper mid).
1Y return: 20.88% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.02 (bottom quartile).
Information ratio: 0.00 (bottom quartile).

Sundaram SMILE Fund - Direct

Lower mid AUM (₹3,285 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 20.90% (upper mid).
3Y return: 21.46% (lower mid).
1Y return: 19.25% (upper mid).
Alpha: 4.37 (top quartile).
Sharpe: 0.07 (bottom quartile).
Information ratio: 0.04 (lower mid).

Edelweiss Economic Resurgence Fund - Direct

Lower mid AUM (₹3,133 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: High.
5Y return: 17.77% (lower mid).
3Y return: 21.44% (lower mid).
1Y return: 18.55% (upper mid).
Alpha: 3.20 (top quartile).
Sharpe: 0.43 (top quartile).
Information ratio: 1.50 (top quartile).

Franklin India Prima Plus - Direct

Highest AUM (₹19,528 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 17.07% (bottom quartile).
3Y return: 20.03% (bottom quartile).
1Y return: 12.54% (bottom quartile).
Alpha: -0.86 (bottom quartile).
Sharpe: 0.13 (lower mid).
Information ratio: 0.93 (upper mid).

UTI Banking Sector Fund - Direct

Bottom quartile AUM (₹1,400 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: High.
5Y return: 14.89% (bottom quartile).
3Y return: 19.98% (bottom quartile).
1Y return: 25.09% (top quartile).
Alpha: 2.22 (upper mid).
Sharpe: 1.15 (top quartile).
Information ratio: 0.57 (upper mid).

Templeton India Growth Fund - Direct

Bottom quartile AUM (₹2,265 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 19.26% (upper mid).
3Y return: 19.76% (bottom quartile).
1Y return: 15.03% (lower mid).
Alpha: 1.07 (upper mid).
Sharpe: 0.28 (upper mid).
Information ratio: 0.69 (upper mid).

Best Direct Mutual Fund Plans- Debt Category

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Franklin India Income Builder Account - Plan A - Direct Growth	₹112.722 ↑ 0.04	₹1,323	1.4	3.5	9.6	8.4	6.9	9.7
Axis Corporate Debt Opportunities Fund - Direct Growth	₹18.8159 ↑ 0.00	₹8,565	0.9	3.1	8.2	8.3	6.9	8.6
HDFC Floating Rate Income Fund - Short Term Plan - Direct Growth	₹53.2101 ↑ 0.02	₹16,731	1.3	3.3	7.8	8.2	6.9	8.1
Reliance Dynamic Bond Fund - Direct Growth	₹41.5696 ↑ 0.04	₹4,078	1.4	3.4	7.7	8.3	7	7.5
UTI Short Term Income Fund - Direct Growth	₹35.0599 ↑ 0.01	₹3,166	1	2.9	7.5	7.9	7.7	7.8
UTI Treasury Advantage Fund - Direct Growth	₹3,757.2 ↑ 0.64	₹2,929	1.3	3.1	7.4	7.5	7.4	7.7
Franklin India Savings Plus Fund Retail Option - Direct Growth	₹54.0728 ↑ 0.01	₹3,898	1.5	3.1	7.4	7.6	6.3	7.6
UTI Money Market Fund - Direct Growth	₹3,255.04 ↑ 0.61	₹20,497	1.4	3	7.3	7.6	6.4	7.6
Edelweiss Bond Fund - Direct Growth	₹32.6788 ↑ 0.01	₹2,745	1.5	3	7.3	7.4	6.1	7.6
Franklin India Treasury Management Account - Regular Plan - Direct Growth	₹4,119.81 ↑ 0.77	₹3,927	1.5	3	6.5	7	6	6.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Feb 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	Franklin India Income Builder Account - Plan A - Direct	Axis Corporate Debt Opportunities Fund - Direct	HDFC Floating Rate Income Fund - Short Term Plan - Direct	Reliance Dynamic Bond Fund - Direct	UTI Short Term Income Fund - Direct	UTI Treasury Advantage Fund - Direct	Franklin India Savings Plus Fund Retail Option - Direct	UTI Money Market Fund - Direct	Edelweiss Bond Fund - Direct	Franklin India Treasury Management Account - Regular Plan - Direct
Point 1	Bottom quartile AUM (₹1,323 Cr).	Upper mid AUM (₹8,565 Cr).	Top quartile AUM (₹16,731 Cr).	Upper mid AUM (₹4,078 Cr).	Lower mid AUM (₹3,166 Cr).	Bottom quartile AUM (₹2,929 Cr).	Lower mid AUM (₹3,898 Cr).	Highest AUM (₹20,497 Cr).	Bottom quartile AUM (₹2,745 Cr).	Upper mid AUM (₹3,927 Cr).
Point 2	Oldest track record among peers (13 yrs).	Established history (8+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Moderate.	Risk profile: Low.
Point 5	1Y return: 9.57% (top quartile).	1Y return: 8.16% (top quartile).	1Y return: 7.83% (upper mid).	1Y return: 7.74% (upper mid).	1Y return: 7.48% (upper mid).	1Y return: 7.39% (lower mid).	1Y return: 7.37% (lower mid).	1Y return: 7.31% (bottom quartile).	1Y return: 7.27% (bottom quartile).	1Y return: 6.48% (bottom quartile).
Point 6	1M return: 0.88% (upper mid).	1M return: 0.90% (top quartile).	1M return: 0.89% (upper mid).	1M return: 1.64% (top quartile).	1M return: 0.82% (upper mid).	1M return: 0.69% (lower mid).	1M return: 0.61% (bottom quartile).	1M return: 0.62% (lower mid).	1M return: 0.61% (bottom quartile).	1M return: 0.54% (bottom quartile).
Point 7	Sharpe: 1.51 (lower mid).	Sharpe: 0.95 (bottom quartile).	Sharpe: 1.60 (lower mid).	Sharpe: 0.30 (bottom quartile).	Sharpe: 0.85 (bottom quartile).	Sharpe: 1.91 (upper mid).	Sharpe: 2.61 (top quartile).	Sharpe: 2.42 (upper mid).	Sharpe: 2.36 (upper mid).	Sharpe: 3.77 (top quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.48% (top quartile).	Yield to maturity (debt): 7.25% (upper mid).	Yield to maturity (debt): 7.26% (upper mid).	Yield to maturity (debt): 6.96% (lower mid).	Yield to maturity (debt): 7.33% (top quartile).	Yield to maturity (debt): 7.29% (upper mid).	Yield to maturity (debt): 6.89% (bottom quartile).	Yield to maturity (debt): 6.96% (lower mid).	Yield to maturity (debt): 6.83% (bottom quartile).	Yield to maturity (debt): 6.52% (bottom quartile).
Point 10	Modified duration: 2.49 yrs (bottom quartile).	Modified duration: 2.63 yrs (bottom quartile).	Modified duration: 1.80 yrs (lower mid).	Modified duration: 3.75 yrs (bottom quartile).	Modified duration: 2.22 yrs (lower mid).	Modified duration: 0.93 yrs (upper mid).	Modified duration: 0.44 yrs (upper mid).	Modified duration: 0.41 yrs (upper mid).	Modified duration: 0.34 yrs (top quartile).	Modified duration: 0.09 yrs (top quartile).

Franklin India Income Builder Account - Plan A - Direct

Bottom quartile AUM (₹1,323 Cr).
Oldest track record among peers (13 yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 9.57% (top quartile).
1M return: 0.88% (upper mid).
Sharpe: 1.51 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.48% (top quartile).
Modified duration: 2.49 yrs (bottom quartile).

Axis Corporate Debt Opportunities Fund - Direct

Upper mid AUM (₹8,565 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 8.16% (top quartile).
1M return: 0.90% (top quartile).
Sharpe: 0.95 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.25% (upper mid).
Modified duration: 2.63 yrs (bottom quartile).

HDFC Floating Rate Income Fund - Short Term Plan - Direct

Top quartile AUM (₹16,731 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 7.83% (upper mid).
1M return: 0.89% (upper mid).
Sharpe: 1.60 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.26% (upper mid).
Modified duration: 1.80 yrs (lower mid).

Reliance Dynamic Bond Fund - Direct

Upper mid AUM (₹4,078 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 7.74% (upper mid).
1M return: 1.64% (top quartile).
Sharpe: 0.30 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.96% (lower mid).
Modified duration: 3.75 yrs (bottom quartile).

UTI Short Term Income Fund - Direct

Lower mid AUM (₹3,166 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 7.48% (upper mid).
1M return: 0.82% (upper mid).
Sharpe: 0.85 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.33% (top quartile).
Modified duration: 2.22 yrs (lower mid).

UTI Treasury Advantage Fund - Direct

Bottom quartile AUM (₹2,929 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 7.39% (lower mid).
1M return: 0.69% (lower mid).
Sharpe: 1.91 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.29% (upper mid).
Modified duration: 0.93 yrs (upper mid).

Franklin India Savings Plus Fund Retail Option - Direct

Lower mid AUM (₹3,898 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 7.37% (lower mid).
1M return: 0.61% (bottom quartile).
Sharpe: 2.61 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.89% (bottom quartile).
Modified duration: 0.44 yrs (upper mid).

UTI Money Market Fund - Direct

Highest AUM (₹20,497 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 7.31% (bottom quartile).
1M return: 0.62% (lower mid).
Sharpe: 2.42 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.96% (lower mid).
Modified duration: 0.41 yrs (upper mid).

Edelweiss Bond Fund - Direct

Bottom quartile AUM (₹2,745 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 7.27% (bottom quartile).
1M return: 0.61% (bottom quartile).
Sharpe: 2.36 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.83% (bottom quartile).
Modified duration: 0.34 yrs (top quartile).

Franklin India Treasury Management Account - Regular Plan - Direct

Upper mid AUM (₹3,927 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.48% (bottom quartile).
1M return: 0.54% (bottom quartile).
Sharpe: 3.77 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.52% (bottom quartile).
Modified duration: 0.09 yrs (top quartile).

Best Direct Mutual Fund Plans- Hybrid Category

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
UTI Wealth Builder Fund - Direct Growth	₹88.5605 ↓ -0.70	₹6,848	0.8	7.7	17.7	22	15.8	12.4
JM Balanced Fund - Direct Growth	₹134.365 ↓ -1.22	₹753	-4.4	-1.4	6.9	19.4	16.4	-1.6
Edelweiss Prudent Advantage Fund - Direct Growth	₹74.26 ↓ -0.71	₹3,453	-1.7	1.9	13.4	18.7	17	7.6
UTI Balanced Fund - Direct Growth	₹443.672 ↓ -3.34	₹6,654	-1.6	3.4	12	17.6	15.6	7.1
BNP Paribas Balanced Fund - Direct Growth	₹32.3044 ↓ -0.20	₹1,243	-1.7	2.4	12.5	16.7	13.9	5.3
Axis Dynamic Equity Fund - Direct Growth	₹24.01 ↓ -0.14	₹3,773	-1.1	3.5	10.9	16.2	12.7	8.2
Franklin India Balanced Fund - Direct Growth	₹309.681 ↓ -2.42	₹2,341	-2.6	0.7	9.9	16.1	13.3	4.7
Edelweiss Equity Savings Advantage Fund - Direct Growth	₹28.9597 ↓ -0.09	₹1,223	0.6	3.2	11	12.7	10.5	9
UTI SPREAD Fund - Direct Growth	₹38.9032 ↑ 0.02	₹10,957	1.7	3.3	7	7.7	6.6	7.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Feb 26

Research Highlights & Commentary of 9 Funds showcased

Commentary	UTI Wealth Builder Fund - Direct	JM Balanced Fund - Direct	Edelweiss Prudent Advantage Fund - Direct	UTI Balanced Fund - Direct	BNP Paribas Balanced Fund - Direct	Axis Dynamic Equity Fund - Direct	Franklin India Balanced Fund - Direct	Edelweiss Equity Savings Advantage Fund - Direct	UTI SPREAD Fund - Direct
Point 1	Top quartile AUM (₹6,848 Cr).	Bottom quartile AUM (₹753 Cr).	Lower mid AUM (₹3,453 Cr).	Upper mid AUM (₹6,654 Cr).	Bottom quartile AUM (₹1,243 Cr).	Upper mid AUM (₹3,773 Cr).	Lower mid AUM (₹2,341 Cr).	Bottom quartile AUM (₹1,223 Cr).	Highest AUM (₹10,957 Cr).
Point 2	Oldest track record among peers (13 yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (8+ yrs).	Established history (8+ yrs).	Established history (13+ yrs).	Established history (11+ yrs).	Established history (13+ yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately Low.
Point 5	5Y return: 15.84% (upper mid).	5Y return: 16.42% (top quartile).	5Y return: 17.02% (top quartile).	5Y return: 15.63% (upper mid).	5Y return: 13.91% (lower mid).	5Y return: 12.68% (bottom quartile).	5Y return: 13.31% (lower mid).	5Y return: 10.54% (bottom quartile).	5Y return: 6.55% (bottom quartile).
Point 6	3Y return: 22.03% (top quartile).	3Y return: 19.38% (top quartile).	3Y return: 18.73% (upper mid).	3Y return: 17.59% (upper mid).	3Y return: 16.65% (lower mid).	3Y return: 16.21% (lower mid).	3Y return: 16.06% (bottom quartile).	3Y return: 12.66% (bottom quartile).	3Y return: 7.68% (bottom quartile).
Point 7	1Y return: 17.66% (top quartile).	1Y return: 6.91% (bottom quartile).	1Y return: 13.44% (top quartile).	1Y return: 12.01% (upper mid).	1Y return: 12.47% (upper mid).	1Y return: 10.90% (lower mid).	1Y return: 9.87% (bottom quartile).	1Y return: 11.04% (lower mid).	1Y return: 6.96% (bottom quartile).
Point 8	1M return: -0.04% (bottom quartile).	1M return: 0.67% (bottom quartile).	1M return: 1.87% (top quartile).	1M return: 0.66% (bottom quartile).	1M return: 1.87% (top quartile).	1M return: 1.09% (upper mid).	1M return: 1.21% (upper mid).	1M return: 1.09% (lower mid).	1M return: 0.70% (lower mid).
Point 9	Alpha: 0.00 (top quartile).	Alpha: -4.71 (bottom quartile).	Alpha: 0.33 (top quartile).	Alpha: -0.10 (lower mid).	Alpha: -1.24 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: -1.65 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).
Point 10	Sharpe: 0.90 (top quartile).	Sharpe: -0.21 (bottom quartile).	Sharpe: 0.26 (upper mid).	Sharpe: 0.22 (lower mid).	Sharpe: 0.11 (bottom quartile).	Sharpe: 0.24 (lower mid).	Sharpe: 0.05 (bottom quartile).	Sharpe: 0.81 (upper mid).	Sharpe: 2.68 (top quartile).

UTI Wealth Builder Fund - Direct

Top quartile AUM (₹6,848 Cr).
Oldest track record among peers (13 yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 15.84% (upper mid).
3Y return: 22.03% (top quartile).
1Y return: 17.66% (top quartile).
1M return: -0.04% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.90 (top quartile).

JM Balanced Fund - Direct

Bottom quartile AUM (₹753 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.42% (top quartile).
3Y return: 19.38% (top quartile).
1Y return: 6.91% (bottom quartile).
1M return: 0.67% (bottom quartile).
Alpha: -4.71 (bottom quartile).
Sharpe: -0.21 (bottom quartile).

Edelweiss Prudent Advantage Fund - Direct

Lower mid AUM (₹3,453 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 17.02% (top quartile).
3Y return: 18.73% (upper mid).
1Y return: 13.44% (top quartile).
1M return: 1.87% (top quartile).
Alpha: 0.33 (top quartile).
Sharpe: 0.26 (upper mid).

UTI Balanced Fund - Direct

Upper mid AUM (₹6,654 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 15.63% (upper mid).
3Y return: 17.59% (upper mid).
1Y return: 12.01% (upper mid).
1M return: 0.66% (bottom quartile).
Alpha: -0.10 (lower mid).
Sharpe: 0.22 (lower mid).

BNP Paribas Balanced Fund - Direct

Bottom quartile AUM (₹1,243 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 13.91% (lower mid).
3Y return: 16.65% (lower mid).
1Y return: 12.47% (upper mid).
1M return: 1.87% (top quartile).
Alpha: -1.24 (bottom quartile).
Sharpe: 0.11 (bottom quartile).

Axis Dynamic Equity Fund - Direct

Upper mid AUM (₹3,773 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 12.68% (bottom quartile).
3Y return: 16.21% (lower mid).
1Y return: 10.90% (lower mid).
1M return: 1.09% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.24 (lower mid).

Franklin India Balanced Fund - Direct

Lower mid AUM (₹2,341 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 13.31% (lower mid).
3Y return: 16.06% (bottom quartile).
1Y return: 9.87% (bottom quartile).
1M return: 1.21% (upper mid).
Alpha: -1.65 (bottom quartile).
Sharpe: 0.05 (bottom quartile).

Edelweiss Equity Savings Advantage Fund - Direct

Bottom quartile AUM (₹1,223 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 10.54% (bottom quartile).
3Y return: 12.66% (bottom quartile).
1Y return: 11.04% (lower mid).
1M return: 1.09% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.81 (upper mid).

UTI SPREAD Fund - Direct

Highest AUM (₹10,957 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
5Y return: 6.55% (bottom quartile).
3Y return: 7.68% (bottom quartile).
1Y return: 6.96% (bottom quartile).
1M return: 0.70% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 2.68 (top quartile).

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.