+91-22-48913909Best Direct Plans in Debt Mutual Funds
The mutual fund offers two plans- regular and direct. While regular plans have been in the option for many years, the first direct plan got introduced in the year 2013. But, direct plans are gaining a huge popularity amongst new investors due to its unique features and benefits. Though, currently direct plans are available only through a limited platform, but looking at its demand, many channels are introducing direct plans. Investors who want to invest in Debt fund by opting direct plans, here’s a glimpse of what are direct funds, a brief understanding of debt funds, along with some of the best direct pans debt funds.
Why Direct Funds are for you?
Unlike regular funds, direct funds are available through limited channels like from a mutual fund company, RTAs such as Karvy/CAMS, limited third party securities intermediaries, and authorized local representatives of the fund house. Investors who can independently invest and track their investments without a help of an advisor or a mediator can invest in direct plans from the fund house.
In direct funds, there are no expense charges like regular funds. As there are no distributor charges/ transaction chargers, etc., the expense ratio of direct plans is less. This effect on returns too. As the expense ratio of a direct mutual fund is less, the returns it can be slightly higher than regular plans- about 0.5 percent to 1.5 percent higher. This is one of the reasons why investors are opting for direct funds.
Ideally, an investor who has an experience of mutual fund investment and a fair knowledge about Market movements should prefer for direct plans. New investors who aren’t sure about risk appetite and the market should ideally prefer Mutual Funds with regular plans.
Understanding Debt Fund Investment
Debt funds are a type of mutual funds that mainly invest in fixed Income securities like Bonds, government securities, treasury bills, etc. If we look at the classifications of debt funds, they are categorized as per maturities- short, mid and long term period. This gives a Range of options for investors who want to invest in debt funds.
Debt funds are a good option for those who don’t want to take much risk in the investments or one who want to avoid Investing in the highly volatile Equity Funds. These funds provide a regular and steady income, however, the returns are less compared to equity funds.
Types of Debt Funds as per maturity
- Short Term Debt Funds- Overnight funds, Liquid Funds, ultra short term funds, low duration funds
- Medium Term Debt Funds- Short duration funds, medium duration funds, medium to long duration funds
- long term debt funds- Long duration funds
- Bond Oriented Funds- Dynamic Bond Funds, corporate bond funds
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Best Debt Mutual Funds Direct Plans
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 ₹111.77
↑ 0.06 ₹1,309 1.7 3.1 9.7 8.4 6.6 9.7 Axis Corporate Debt Opportunities Fund - Direct Growth ₹18.6682
↓ -0.01 ₹10,089 1.4 2.7 8.6 8.2 6.7 8.6 HDFC Floating Rate Income Fund - Short Term Plan - Direct Growth ₹52.7167
↓ 0.00 ₹15,773 1.6 3 8.1 8.2 6.7 8.1 UTI Short Term Income Fund - Direct Growth ₹34.785
↓ -0.01 ₹3,374 1.3 2.6 7.8 7.9 7.4 7.8 UTI Treasury Advantage Fund - Direct Growth ₹3,726.16
↑ 0.47 ₹3,184 1.6 3.1 7.6 7.5 7.3 7.7 Franklin India Savings Plus Fund Retail Option - Direct Growth ₹53.5858
↑ 0.00 ₹4,422 1.5 3 7.6 7.6 6.2 7.6 UTI Money Market Fund - Direct Growth ₹3,226.78
↑ 0.23 ₹22,198 1.5 3 7.5 7.6 6.3 7.6 Edelweiss Bond Fund - Direct Growth ₹32.402
↑ 0.00 ₹1,889 1.6 3 7.5 7.5 6.1 7.6 Reliance Dynamic Bond Fund - Direct Growth ₹40.9473
↑ 0.02 ₹4,429 1.2 1.8 7.4 8 6 7.5 Franklin India Treasury Management Account - Regular Plan - Direct Growth ₹4,083.89
↑ 0.64 ₹3,133 1.5 3 6.6 7 5.9 6.7 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Jan 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 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 Reliance Dynamic Bond Fund - Direct Franklin India Treasury Management Account - Regular Plan - Direct Point 1 Bottom quartile AUM (₹1,309 Cr). Upper mid AUM (₹10,089 Cr). Top quartile AUM (₹15,773 Cr). Lower mid AUM (₹3,374 Cr). Lower mid AUM (₹3,184 Cr). Upper mid AUM (₹4,422 Cr). Highest AUM (₹22,198 Cr). Bottom quartile AUM (₹1,889 Cr). Upper mid AUM (₹4,429 Cr). Bottom quartile AUM (₹3,133 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: Moderately Low. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Low. Point 5 1Y return: 9.72% (top quartile). 1Y return: 8.58% (top quartile). 1Y return: 8.12% (upper mid). 1Y return: 7.82% (upper mid). 1Y return: 7.64% (upper mid). 1Y return: 7.58% (lower mid). 1Y return: 7.54% (lower mid). 1Y return: 7.52% (bottom quartile). 1Y return: 7.44% (bottom quartile). 1Y return: 6.64% (bottom quartile). Point 6 1M return: 0.50% (upper mid). 1M return: 0.12% (bottom quartile). 1M return: 0.33% (lower mid). 1M return: 0.18% (bottom quartile). 1M return: 0.42% (lower mid). 1M return: 0.50% (upper mid). 1M return: 0.49% (upper mid). 1M return: 0.53% (top quartile). 1M return: -0.12% (bottom quartile). 1M return: 0.52% (top quartile). Point 7 Sharpe: 1.58 (bottom quartile). Sharpe: 1.75 (lower mid). Sharpe: 2.38 (lower mid). Sharpe: 1.61 (bottom quartile). Sharpe: 2.98 (upper mid). Sharpe: 3.12 (upper mid). Sharpe: 3.25 (top quartile). Sharpe: 3.02 (upper mid). Sharpe: 0.85 (bottom quartile). Sharpe: 3.86 (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): 7.01% (top quartile). Yield to maturity (debt): 6.77% (upper mid). Yield to maturity (debt): 6.98% (top quartile). Yield to maturity (debt): 6.84% (upper mid). Yield to maturity (debt): 6.68% (lower mid). Yield to maturity (debt): 6.17% (bottom quartile). Yield to maturity (debt): 6.19% (lower mid). Yield to maturity (debt): 6.10% (bottom quartile). Yield to maturity (debt): 6.76% (upper mid). Yield to maturity (debt): 6.05% (bottom quartile). Point 10 Modified duration: 2.58 yrs (lower mid). Modified duration: 3.13 yrs (bottom quartile). Modified duration: 1.77 yrs (lower mid). Modified duration: 2.80 yrs (bottom quartile). Modified duration: 0.83 yrs (upper mid). Modified duration: 0.29 yrs (top quartile). Modified duration: 0.37 yrs (upper mid). Modified duration: 0.33 yrs (upper mid). Modified duration: 3.81 yrs (bottom quartile). Modified duration: 0.14 yrs (top quartile). Franklin India Income Builder Account - Plan A - Direct
Axis Corporate Debt Opportunities Fund - Direct
HDFC Floating Rate Income Fund - Short Term Plan - 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
Reliance Dynamic Bond Fund - Direct
Franklin India Treasury Management Account - Regular Plan - Direct
The investment objective of the Scheme is primarily to provide investors Regular income under the Dividend Plan and Capital appreciation under the Growth Plan. Below is the key information for Franklin India Income Builder Account - Plan A - Direct Returns up to 1 year are on The Scheme seeks to provide steady income and capital appreciation by investing in corporate debt. There is no assurance or guarantee that the objectives of the Scheme will be realized. Research Highlights for Axis Corporate Debt Opportunities Fund - Direct Below is the key information for Axis Corporate Debt Opportunities Fund - Direct Returns up to 1 year are on The investment objective of the scheme is to generate regular income through investment in a portfolio comprising substantially of floating & fixed rate debt & money market instruments swapped for floating rate returns and fixed rate debt securities and money market instruments. Research Highlights for HDFC Floating Rate Income Fund - Short Term Plan - Direct Below is the key information for HDFC Floating Rate Income Fund - Short Term Plan - Direct Returns up to 1 year are on To generate steady and reasonable income with low risk and high level of liquidity from a portfolio of money market securities and high quality debt. Research Highlights for UTI Short Term Income Fund - Direct Below is the key information for UTI Short Term Income Fund - Direct Returns up to 1 year are on The scheme will endeavour to generate an attractive return for its investors consistent with capital preservation and liquidity by investing in a portfolio of quality debt securities, money market instruments and structured obligations. Research Highlights for UTI Treasury Advantage Fund - Direct Below is the key information for UTI Treasury Advantage Fund - Direct Returns up to 1 year are on Aims to provide income consistent with the prudent risk from a portfolio comprising substantially of floating rate debt instruments, fixed rate debt instruments swapped for floating rate returns, and also fixed rate instruments and money market instruments. Research Highlights for Franklin India Savings Plus Fund Retail Option - Direct Below is the key information for Franklin India Savings Plus Fund Retail Option - Direct Returns up to 1 year are on To provide highest possible current income consistent with preservation of capital and providing liquidity from investing in a diversified portfolio of short term money market securities. Research Highlights for UTI Money Market Fund - Direct Below is the key information for UTI Money Market Fund - Direct Returns up to 1 year are on To generate optimal returns while maintaining liquidity through active management of the portfolio by investing in debt and money market instruments. However, there can be no assurance that the investment objective of the Scheme will be realized. Research Highlights for Edelweiss Bond Fund - Direct Below is the key information for Edelweiss Bond Fund - Direct Returns up to 1 year are on The primary investment objective of the scheme is to generate optimal returns consistent with moderate levels of risks. This income may be complimented by capital appreciation of the portfolio. Accordingly, investments shall predominantly be made in debt and money market instruments. Research Highlights for Reliance Dynamic Bond Fund - Direct Below is the key information for Reliance Dynamic Bond Fund - Direct Returns up to 1 year are on Aims to provide current income with high liquidity. Research Highlights for Franklin India Treasury Management Account - Regular Plan - Direct Below is the key information for Franklin India Treasury Management Account - Regular Plan - Direct Returns up to 1 year are on 1. Franklin India Income Builder Account - Plan A - Direct
Franklin India Income Builder Account - Plan A - Direct
Growth Launch Date 1 Jan 13 NAV (02 Jan 26) ₹111.77 ↑ 0.06 (0.06 %) Net Assets (Cr) ₹1,309 on 30 Nov 25 Category Debt - Corporate Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating Risk Moderate Expense Ratio 0.24 Sharpe Ratio 1.58 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load 0-1 Years (0.5%),1 Years and above(NIL) Yield to Maturity 7.01% Effective Maturity 6 Years 4 Months 28 Days Modified Duration 2 Years 6 Months 29 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,434 31 Dec 22 ₹10,823 31 Dec 23 ₹11,594 31 Dec 24 ₹12,546 31 Dec 25 ₹13,762 Returns for Franklin India Income Builder Account - Plan A - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.1% 1 Year 9.7% 3 Year 8.4% 5 Year 6.6% 10 Year 15 Year Since launch 8.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 9.7% 2023 8.2% 2022 7.1% 2021 3.7% 2020 4.3% 2019 9.7% 2018 9.8% 2017 8.1% 2016 8.3% 2015 9.7% Fund Manager information for Franklin India Income Builder Account - Plan A - Direct
Name Since Tenure Rahul Goswami 6 Oct 23 2.16 Yr. Anuj Tagra 7 Mar 24 1.74 Yr. Chandni Gupta 7 Mar 24 1.74 Yr. Data below for Franklin India Income Builder Account - Plan A - Direct as on 30 Nov 25
Asset Allocation
Asset Class Value Cash 8.8% Debt 90.97% Other 0.23% Debt Sector Allocation
Sector Value Corporate 65.1% Government 25.87% Cash Equivalent 8.8% Credit Quality
Rating Value AA 9.03% AAA 90.97% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.9% Govt Stock 2065
Sovereign Bonds | -7% ₹91 Cr 9,529,500
↑ 500,000 Poonawalla Fincorp Limited
Debentures | -6% ₹81 Cr 8,000 National Bank For Agriculture And Rural Development
Debentures | -6% ₹77 Cr 7,500 Jubilant Bevco Limited
Debentures | -5% ₹70 Cr 6,576 RJ Corp Ltd. 7.25%
Debentures | -4% ₹55 Cr 5,467
↑ 5,467 Sikka Ports & Terminals Limited
Debentures | -4% ₹52 Cr 500 Summit Digitel Infrastructure Limited
Debentures | -4% ₹52 Cr 5,000 Embassy Office Parks Reit
Debentures | -4% ₹51 Cr 5,000 Small Industries Development Bank Of India
Debentures | -4% ₹50 Cr 500 Rec Limited
Debentures | -4% ₹50 Cr 9,000 2. Axis Corporate Debt Opportunities Fund - Direct
Axis Corporate Debt Opportunities Fund - Direct
Growth Launch Date 13 Jul 17 NAV (02 Jan 26) ₹18.6682 ↓ -0.01 (-0.03 %) Net Assets (Cr) ₹10,089 on 30 Nov 25 Category Debt - Corporate Bond AMC Axis Asset Management Company Limited Rating Risk Moderate Expense Ratio 0.31 Sharpe Ratio 1.75 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.77% Effective Maturity 4 Years 22 Days Modified Duration 3 Years 1 Month 17 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,438 31 Dec 22 ₹10,897 31 Dec 23 ₹11,716 31 Dec 24 ₹12,733 31 Dec 25 ₹13,822 Returns for Axis Corporate Debt Opportunities Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26 Duration Returns 1 Month 0.1% 3 Month 1.4% 6 Month 2.7% 1 Year 8.6% 3 Year 8.2% 5 Year 6.7% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.6% 2023 8.7% 2022 7.5% 2021 4.4% 2020 4.4% 2019 12.4% 2018 6.9% 2017 8.8% 2016 2015 Fund Manager information for Axis Corporate Debt Opportunities Fund - Direct
Name Since Tenure Devang Shah 13 Jul 17 8.39 Yr. Hardik Shah 31 Jan 22 3.84 Yr. Data below for Axis Corporate Debt Opportunities Fund - Direct as on 30 Nov 25
Asset Allocation
Asset Class Value Cash 6.98% Debt 92.77% Other 0.25% Debt Sector Allocation
Sector Value Corporate 64.14% Government 29.11% Cash Equivalent 6.5% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -6% ₹623 Cr 60,000,000
↑ 5,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -5% ₹522 Cr 51,500,000
↓ -4,500,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹275 Cr 27,000 Small Industries Development Bank Of India
Debentures | -2% ₹204 Cr 20,000 Small Industries Development Bank Of India
Debentures | -2% ₹204 Cr 20,000 Bajaj Housing Finance Limited
Debentures | -2% ₹200 Cr 20,000 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -2% ₹197 Cr 194 Rec Limited
Debentures | -2% ₹181 Cr 17,500
↑ 12,500 Indian Railway Finance Corporation Limited
Debentures | -2% ₹162 Cr 1,550 SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -1% ₹137 Cr 135 3. HDFC Floating Rate Income Fund - Short Term Plan - Direct
HDFC Floating Rate Income Fund - Short Term Plan - Direct
Growth Launch Date 1 Jan 13 NAV (02 Jan 26) ₹52.7167 ↓ 0.00 (-0.01 %) Net Assets (Cr) ₹15,773 on 30 Nov 25 Category Debt - Floating Rate AMC HDFC Asset Management Company Limited Rating Risk Moderately Low Expense Ratio 0.25 Sharpe Ratio 2.38 Information Ratio 0 Alpha Ratio 0 Min Investment Min SIP Investment Exit Load NIL Yield to Maturity 6.98% Effective Maturity 4 Years 3 Months 11 Days Modified Duration 1 Year 9 Months 7 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,436 31 Dec 22 ₹10,940 31 Dec 23 ₹11,801 31 Dec 24 ₹12,810 31 Dec 25 ₹13,851
Purchase not allowed Returns for HDFC Floating Rate Income Fund - Short Term Plan - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26 Duration Returns 1 Month 0.3% 3 Month 1.6% 6 Month 3% 1 Year 8.1% 3 Year 8.2% 5 Year 6.7% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.1% 2023 8.5% 2022 7.9% 2021 4.8% 2020 4.4% 2019 9.4% 2018 8.7% 2017 7.4% 2016 7% 2015 9.1% Fund Manager information for HDFC Floating Rate Income Fund - Short Term Plan - Direct
Name Since Tenure Shobhit Mehrotra 23 Oct 07 18.12 Yr. Dhruv Muchhal 22 Jun 23 2.45 Yr. Data below for HDFC Floating Rate Income Fund - Short Term Plan - Direct as on 30 Nov 25
Asset Allocation
Asset Class Value Cash 4.57% Debt 95.15% Other 0.28% Debt Sector Allocation
Sector Value Corporate 57.85% Government 38.86% Cash Equivalent 3% Credit Quality
Rating Value AA 14.12% AAA 85.88% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.54% Govt Stock 2034
Sovereign Bonds | -11% ₹1,777 Cr 174,500,000 6.63% Govt Stock 2031
Sovereign Bonds | -7% ₹1,082 Cr 106,000,000 6.82% Govt Stock 2033
Sovereign Bonds | -6% ₹1,001 Cr 96,641,200 SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -4% ₹714 Cr 695 Jubilant Beverages Limited
Debentures | -3% ₹463 Cr 43,600 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -3% ₹411 Cr 400 National Bank For Agriculture And Rural Development
Debentures | -2% ₹330 Cr 32,500 Aadhar Housing Finance Limited
Debentures | -2% ₹304 Cr 30,000 Power Finance Corporation Limited
Debentures | -1% ₹227 Cr 22,500 Bajaj Housing Finance Limited
Debentures | -1% ₹203 Cr 20,000 4. UTI Short Term Income Fund - Direct
UTI Short Term Income Fund - Direct
Growth Launch Date 1 Jan 13 NAV (02 Jan 26) ₹34.785 ↓ -0.01 (-0.03 %) Net Assets (Cr) ₹3,374 on 30 Nov 25 Category Debt - Short term Bond AMC UTI Asset Management Company Ltd Rating Risk Moderate Expense Ratio 0.4 Sharpe Ratio 1.61 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.84% Effective Maturity 3 Years 6 Months 18 Days Modified Duration 2 Years 9 Months 18 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,904 31 Dec 22 ₹11,385 31 Dec 23 ₹12,249 31 Dec 24 ₹13,280 31 Dec 25 ₹14,317 Returns for UTI Short Term Income Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26 Duration Returns 1 Month 0.2% 3 Month 1.3% 6 Month 2.6% 1 Year 7.8% 3 Year 7.9% 5 Year 7.4% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.8% 2023 8.4% 2022 7.6% 2021 4.4% 2020 9% 2019 11% 2018 -3.5% 2017 6.6% 2016 6.6% 2015 10.6% Fund Manager information for UTI Short Term Income Fund - Direct
Name Since Tenure Abhishek Sonthalia 10 Nov 25 0.06 Yr. Data below for UTI Short Term Income Fund - Direct as on 30 Nov 25
Asset Allocation
Asset Class Value Cash 9.98% Debt 89.75% Other 0.27% Debt Sector Allocation
Sector Value Corporate 67.44% Government 25.96% Cash Equivalent 6.33% Credit Quality
Rating Value AA 11% AAA 89% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Housing Bank
Debentures | -5% ₹177 Cr 17,500 LIC Housing Finance Ltd
Debentures | -5% ₹177 Cr 1,750 Power Finance Corporation Limited
Debentures | -5% ₹177 Cr 17,500 6.79% Govt Stock 2034
Sovereign Bonds | -4% ₹146 Cr 1,450,000,000
↓ -1,600,000,000 Export Import Bank Of India
Debentures | -4% ₹126 Cr 12,500 Small Industries Development Bank Of India
Debentures | -3% ₹99 Cr 10,000
↑ 5,000 TATA Communications Limited
Debentures | -3% ₹99 Cr 10,000 6.48% Govt Stock 2035
Sovereign Bonds | -3% ₹99 Cr 1,000,000,000
↑ 1,000,000,000 Kotak Mahindra Prime Limited
Debentures | -2% ₹76 Cr 750 Export Import Bank Of India
Debentures | -2% ₹76 Cr 7,500 5. UTI Treasury Advantage Fund - Direct
UTI Treasury Advantage Fund - Direct
Growth Launch Date 1 Jan 13 NAV (02 Jan 26) ₹3,726.16 ↑ 0.47 (0.01 %) Net Assets (Cr) ₹3,184 on 30 Nov 25 Category Debt - Low Duration AMC UTI Asset Management Company Ltd Rating Risk Moderately Low Expense Ratio 0.37 Sharpe Ratio 2.98 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.68% Effective Maturity 1 Year 22 Days Modified Duration 9 Months 29 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,908 31 Dec 22 ₹11,411 31 Dec 23 ₹12,236 31 Dec 24 ₹13,188 31 Dec 25 ₹14,198 Returns for UTI Treasury Advantage Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26 Duration Returns 1 Month 0.4% 3 Month 1.6% 6 Month 3.1% 1 Year 7.6% 3 Year 7.5% 5 Year 7.3% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.7% 2023 7.8% 2022 7.2% 2021 4.6% 2020 9.1% 2019 7.4% 2018 -4.1% 2017 7.5% 2016 7.2% 2015 9.1% Fund Manager information for UTI Treasury Advantage Fund - Direct
Name Since Tenure Anurag Mittal 1 Dec 21 4 Yr. Data below for UTI Treasury Advantage Fund - Direct as on 30 Nov 25
Asset Allocation
Asset Class Value Cash 22.11% Debt 77.59% Other 0.3% Debt Sector Allocation
Sector Value Corporate 67.99% Cash Equivalent 18.27% Government 13.44% Credit Quality
Rating Value AA 16.1% AAA 83.9% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -4% ₹126 Cr 12,500 Treasury Bills
Sovereign Bonds | -4% ₹124 Cr 1,250,000,000 India (Republic of)
- | -4% ₹123 Cr 1,250,000,000 Embassy Office Parks Reit
Debentures | -4% ₹120 Cr 1,200 Rec Limited
Debentures | -3% ₹101 Cr 10,000 Summit Digitel Infrastructure Limited
Debentures | -3% ₹100 Cr 1,000 Sikka Ports & Terminals Limited
Debentures | -3% ₹100 Cr 1,000 Jamnagar Utilities & Power Private Limited
Debentures | -3% ₹100 Cr 1,000 182 Days Tbill Red 29-01-2026
Sovereign Bonds | -3% ₹94 Cr 950,000,000 Embassy Office Parks Reit
Debentures | -3% ₹90 Cr 900 6. Franklin India Savings Plus Fund Retail Option - Direct
Franklin India Savings Plus Fund Retail Option - Direct
Growth Launch Date 1 Jan 13 NAV (02 Jan 26) ₹53.5858 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹4,422 on 30 Nov 25 Category Debt - Money Market AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating Risk Moderately Low Expense Ratio 0.14 Sharpe Ratio 3.12 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.17% Effective Maturity 3 Months 22 Days Modified Duration 3 Months 14 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,375 31 Dec 22 ₹10,851 31 Dec 23 ₹11,658 31 Dec 24 ₹12,570 31 Dec 25 ₹13,526 Returns for Franklin India Savings Plus Fund Retail Option - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 3% 1 Year 7.6% 3 Year 7.6% 5 Year 6.2% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.6% 2023 7.8% 2022 7.4% 2021 4.6% 2020 3.7% 2019 6.2% 2018 8.6% 2017 7.7% 2016 7.3% 2015 8.5% Fund Manager information for Franklin India Savings Plus Fund Retail Option - Direct
Name Since Tenure Rahul Goswami 6 Oct 23 2.16 Yr. Rohan Maru 10 Oct 24 1.14 Yr. Chandni Gupta 30 Apr 24 1.59 Yr. Data below for Franklin India Savings Plus Fund Retail Option - Direct as on 30 Nov 25
Asset Allocation
Asset Class Value Cash 98.44% Debt 1.33% Other 0.23% Debt Sector Allocation
Sector Value Cash Equivalent 52.25% Corporate 27.56% Government 19.96% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -5% ₹222 Cr 22,500,000 Canara Bank
Domestic Bonds | -5% ₹198 Cr 4,000 364 DTB 22012026
Sovereign Bonds | -3% ₹127 Cr 12,816,500 Kotak Mahindra Bank Ltd.
Debentures | -2% ₹74 Cr 1,500 Punjab National Bank
Domestic Bonds | -1% ₹50 Cr 1,000 364 Days Tbill Red 12-03-2026
Sovereign Bonds | -1% ₹49 Cr 5,000,000 Indian Bank
Domestic Bonds | -1% ₹49 Cr 1,000 08.39 RJ UDAY 2026
Domestic Bonds | -1% ₹29 Cr 2,860,000 08.43 AS Sdl 2026
Sovereign Bonds | -1% ₹21 Cr 2,000,000 India (Republic of)
- | -0% ₹20 Cr 2,000,000 7. UTI Money Market Fund - Direct
UTI Money Market Fund - Direct
Growth Launch Date 1 Jan 13 NAV (02 Jan 26) ₹3,226.78 ↑ 0.23 (0.01 %) Net Assets (Cr) ₹22,198 on 30 Nov 25 Category Debt - Money Market AMC UTI Asset Management Company Ltd Rating Risk Low Expense Ratio 0.17 Sharpe Ratio 3.25 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.19% Effective Maturity 4 Months 12 Days Modified Duration 4 Months 12 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,384 31 Dec 22 ₹10,903 31 Dec 23 ₹11,722 31 Dec 24 ₹12,640 31 Dec 25 ₹13,598
Purchase not allowed Returns for UTI Money Market Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 3% 1 Year 7.5% 3 Year 7.6% 5 Year 6.3% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.6% 2023 7.8% 2022 7.5% 2021 5% 2020 3.8% 2019 6.1% 2018 8.1% 2017 7.9% 2016 6.8% 2015 7.8% Fund Manager information for UTI Money Market Fund - Direct
Name Since Tenure Anurag Mittal 1 Dec 21 4 Yr. Amit Sharma 7 Jul 17 8.41 Yr. Data below for UTI Money Market Fund - Direct as on 30 Nov 25
Asset Allocation
Asset Class Value Cash 77.2% Debt 22.56% Other 0.24% Debt Sector Allocation
Sector Value Corporate 50.63% Cash Equivalent 32.86% Government 16.27% Credit Quality
Rating Value A 0.45% AAA 99.55% Top Securities Holdings / Portfolio
Name Holding Value Quantity Indusind Bank Ltd.
Debentures | -2% ₹533 Cr 5,500,000,000
↑ 5,500,000,000 364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -2% ₹493 Cr 5,000,000,000 364 DTB 19mar2026
Sovereign Bonds | -2% ₹492 Cr 5,000,000,000 Union Bank of India
Domestic Bonds | -2% ₹389 Cr 4,000,000,000
↑ 4,000,000,000 Kotak Mahindra Bank Ltd.
Debentures | -1% ₹286 Cr 3,000,000,000
↑ 3,000,000,000 Small Industries Development Bank of India
Debentures | -1% ₹284 Cr 3,000,000,000
↑ 3,000,000,000 364 Days Tbill Red 12-03-2026
Sovereign Bonds | -1% ₹246 Cr 2,500,000,000 India (Republic of)
- | -1% ₹246 Cr 2,500,000,000
↑ 2,500,000,000 IDFC First Bank Ltd.
Debentures | -1% ₹243 Cr 2,500,000,000
↑ 2,500,000,000 364 DTB 12022026
Sovereign Bonds | -1% ₹198 Cr 2,000,000,000 8. Edelweiss Bond Fund - Direct
Edelweiss Bond Fund - Direct
Growth Launch Date 1 Jan 13 NAV (02 Jan 26) ₹32.402 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹1,889 on 30 Nov 25 Category Debt - Dynamic Bond AMC Edelweiss Asset Management Limited Rating Risk Moderate Expense Ratio 0.16 Sharpe Ratio 3.02 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.1% Effective Maturity 3 Months 29 Days Modified Duration 3 Months 29 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,365 31 Dec 22 ₹10,806 31 Dec 23 ₹11,581 31 Dec 24 ₹12,473 31 Dec 25 ₹13,416 Returns for Edelweiss Bond Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3% 1 Year 7.5% 3 Year 7.5% 5 Year 6.1% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.6% 2023 7.7% 2022 7.2% 2021 4.3% 2020 3.7% 2019 7.2% 2018 13.4% 2017 6.6% 2016 3.6% 2015 10.5% Fund Manager information for Edelweiss Bond Fund - Direct
Name Since Tenure Rahul Dedhia 22 Sep 25 0.19 Yr. Pranavi Kulkarni 23 Nov 21 4.02 Yr. Hetul Raval 1 Jul 24 1.42 Yr. Data below for Edelweiss Bond Fund - Direct as on 30 Nov 25
Asset Allocation
Asset Class Value Cash 85.22% Debt 14.49% Other 0.3% Debt Sector Allocation
Sector Value Corporate 40.25% Cash Equivalent 37.21% Government 22.25% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -4% ₹74 Cr 7,500,000 India (Republic of)
- | -3% ₹53 Cr 5,500,000 364 DTB 19mar2026
Sovereign Bonds | -3% ₹49 Cr 5,000,000 Union Bank of India
Domestic Bonds | -3% ₹49 Cr 5,000,000
↑ 5,000,000 08.27 KA Sdl 2025
Sovereign Bonds | -1% ₹25 Cr 2,500,000 364 Days Tbill Red 12-03-2026
Sovereign Bonds | -1% ₹25 Cr 2,500,000 364 Days Tbill Red 04-06-2026
Sovereign Bonds | -1% ₹24 Cr 2,500,000 SBI CDMDF--A2
Investment Fund | -0% ₹6 Cr 4,861 08.54 BR Sdl 2026
Sovereign Bonds | -0% ₹5 Cr 500,000 08.51 HR Sdl 2026
Sovereign Bonds | -0% ₹5 Cr 500,000 9. Reliance Dynamic Bond Fund - Direct
Reliance Dynamic Bond Fund - Direct
Growth Launch Date 1 Jan 13 NAV (02 Jan 26) ₹40.9473 ↑ 0.02 (0.04 %) Net Assets (Cr) ₹4,429 on 15 Dec 25 Category Debt - Dynamic Bond AMC Nippon Life Asset Management Ltd. Rating Risk Moderate Expense Ratio 0.32 Sharpe Ratio 0.85 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-12 Months (1%),12 Months and above(NIL) Yield to Maturity 6.76% Effective Maturity 4 Years 7 Months 2 Days Modified Duration 3 Years 9 Months 22 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,316 31 Dec 22 ₹10,609 31 Dec 23 ₹11,365 31 Dec 24 ₹12,433 31 Dec 25 ₹13,368 Returns for Reliance Dynamic Bond Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26 Duration Returns 1 Month -0.1% 3 Month 1.2% 6 Month 1.8% 1 Year 7.4% 3 Year 8% 5 Year 6% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.5% 2023 9.4% 2022 7.1% 2021 2.8% 2020 3.2% 2019 11.9% 2018 9.2% 2017 5.5% 2016 3.8% 2015 14.7% Fund Manager information for Reliance Dynamic Bond Fund - Direct
Name Since Tenure Vivek Sharma 25 Jun 20 5.44 Yr. Pranay Sinha 31 Mar 21 4.67 Yr. Kinjal Desai 25 May 18 7.53 Yr. Lokesh Maru 5 Sep 25 0.24 Yr. Divya Sharma 5 Sep 25 0.24 Yr. Data below for Reliance Dynamic Bond Fund - Direct as on 15 Dec 25
Asset Allocation
Asset Class Value Cash 4.07% Debt 95.63% Other 0.3% Debt Sector Allocation
Sector Value Government 95.63% Cash Equivalent 4.07% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 07.83 MH Sdl 2030
Sovereign Bonds | -7% ₹306 Cr 29,400,000 07.78 MH Sgs 2030
Sovereign Bonds | -6% ₹251 Cr 24,100,200 07.04 Tn SDL 2030
Sovereign Bonds | -5% ₹233 Cr 23,078,300 07.72 MH Sgs 2031
Sovereign Bonds | -4% ₹197 Cr 19,146,700 07.86 MH Sdl 2030
Sovereign Bonds | -3% ₹115 Cr 11,000,000 06.65 GJ Sdl 2030
Sovereign Bonds | -3% ₹112 Cr 11,200,000 07.09 KA Sdl 2030
Sovereign Bonds | -2% ₹105 Cr 10,321,200 07.49 MH Sdl 2030
Sovereign Bonds | -2% ₹103 Cr 10,030,000 07.17 GJ Sdl 2030
Sovereign Bonds | -2% ₹102 Cr 10,000,000 06.70 GJ Sdl 2030
Sovereign Bonds | -2% ₹96 Cr 9,640,700 10. Franklin India Treasury Management Account - Regular Plan - Direct
Franklin India Treasury Management Account - Regular Plan - Direct
Growth Launch Date 1 Jan 13 NAV (04 Jan 26) ₹4,083.89 ↑ 0.64 (0.02 %) Net Assets (Cr) ₹3,133 on 15 Nov 25 Category Debt - Liquid Fund AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating Risk Low Expense Ratio 0.12 Sharpe Ratio 3.86 Information Ratio 0 Alpha Ratio 0 Min Investment Min SIP Investment Exit Load NIL Yield to Maturity 6.05% Effective Maturity 1 Month 24 Days Modified Duration 1 Month 20 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,335 31 Dec 22 ₹10,843 31 Dec 23 ₹11,607 31 Dec 24 ₹12,472 31 Dec 25 ₹13,304
Purchase not allowed Returns for Franklin India Treasury Management Account - Regular Plan - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 3% 1 Year 6.6% 3 Year 7% 5 Year 5.9% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.7% 2023 7.5% 2022 7% 2021 4.9% 2020 3.3% 2019 4.4% 2018 6.9% 2017 7.5% 2016 6.8% 2015 7.7% Fund Manager information for Franklin India Treasury Management Account - Regular Plan - Direct
Name Since Tenure Pallab Roy 25 Jun 08 17.45 Yr. Rohan Maru 10 Oct 24 1.14 Yr. Data below for Franklin India Treasury Management Account - Regular Plan - Direct as on 15 Nov 25
Asset Allocation
Asset Class Value Cash 99.75% Other 0.25% Debt Sector Allocation
Sector Value Cash Equivalent 54.14% Corporate 29% Government 16.61% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Call, Cash & Other Assets
CBLO | -11% ₹317 Cr Union Bank Of India
Certificate of Deposit | -7% ₹223 Cr 4,500 Hindalco Industries Limited
Commercial Paper | -7% ₹199 Cr 4,000 HDFC Bank Limited
Certificate of Deposit | -5% ₹149 Cr 3,000 IDBI Bank Limited
Certificate of Deposit | -5% ₹148 Cr 3,000 India (Republic of)
- | -4% ₹134 Cr 13,500,000
↑ 13,500,000 HDFC Bank Limited
Certificate of Deposit | -4% ₹124 Cr 2,500 National Bank For Agriculture And Rural Development
Debentures | -4% ₹107 Cr 1,000 7.59% Govt Stock 2026
Sovereign Bonds | -3% ₹103 Cr 10,000,000 Indian Bank
Certificate of Deposit | -3% ₹99 Cr 2,000
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.
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Research Highlights for Franklin India Income Builder Account - Plan A - Direct