+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 ₹110.543
↑ 0.05 ₹1,071 1.4 3.6 9.9 8.4 6.7 8.2 Axis Corporate Debt Opportunities Fund - Direct Growth ₹18.5407
↑ 0.01 ₹9,588 1.5 3.5 9.1 8.5 6.8 8.7 Franklin India Banking And PSU Debt Fund - Direct Growth ₹24.0373
↑ 0.02 ₹500 1.6 3.6 8.4 8 6.2 8.1 HDFC Floating Rate Income Fund - Short Term Plan - Direct Growth ₹52.2189
↑ 0.02 ₹15,446 1.5 3.6 8.3 8.2 6.8 8.5 UTI Short Term Income Fund - Direct Growth ₹34.5362
↑ 0.01 ₹3,251 1.4 3.3 8.3 8.1 7.5 8.4 Reliance Dynamic Bond Fund - Direct Growth ₹40.7555
↑ 0.03 ₹4,362 0.7 2.4 8.1 8.6 6 9.4 UTI Treasury Advantage Fund - Direct Growth ₹3,689.29
↑ 0.97 ₹3,125 1.6 3.5 7.8 7.6 7.2 7.8 Franklin India Savings Plus Fund Retail Option - Direct Growth ₹53.0324
↑ 0.01 ₹3,865 1.5 3.4 7.8 7.7 6.1 7.8 UTI Money Market Fund - Direct Growth ₹3,193.5
↑ 0.54 ₹19,496 1.5 3.4 7.8 7.7 6.3 7.8 Edelweiss Bond Fund - Direct Growth ₹32.0548
↑ 0.01 ₹2,062 1.5 3.4 7.7 7.5 6 7.7 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Oct 25 Research Highlights & Commentary of 10 Funds showcased
Commentary Franklin India Income Builder Account - Plan A - Direct Axis Corporate Debt Opportunities Fund - Direct Franklin India Banking And PSU Debt Fund - Direct HDFC Floating Rate Income Fund - Short Term Plan - Direct UTI Short Term Income Fund - Direct Reliance Dynamic Bond Fund - Direct UTI Treasury Advantage Fund - Direct Franklin India Savings Plus Fund Retail Option - Direct UTI Money Market Fund - Direct Edelweiss Bond Fund - Direct Point 1 Bottom quartile AUM (₹1,071 Cr). Upper mid AUM (₹9,588 Cr). Bottom quartile AUM (₹500 Cr). Top quartile AUM (₹15,446 Cr). Lower mid AUM (₹3,251 Cr). Upper mid AUM (₹4,362 Cr). Lower mid AUM (₹3,125 Cr). Upper mid AUM (₹3,865 Cr). Highest AUM (₹19,496 Cr). Bottom quartile AUM (₹2,062 Cr). Point 2 Oldest track record among peers (12 yrs). Established history (8+ yrs). Established history (11+ yrs). Established history (12+ yrs). Established history (12+ yrs). Established history (12+ yrs). Established history (12+ yrs). Established history (12+ yrs). Established history (12+ yrs). Established history (12+ 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: 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. Point 5 1Y return: 9.91% (top quartile). 1Y return: 9.15% (top quartile). 1Y return: 8.43% (upper mid). 1Y return: 8.31% (upper mid). 1Y return: 8.26% (upper mid). 1Y return: 8.14% (lower mid). 1Y return: 7.83% (lower mid). 1Y return: 7.80% (bottom quartile). 1Y return: 7.76% (bottom quartile). 1Y return: 7.66% (bottom quartile). Point 6 1M return: 0.66% (lower mid). 1M return: 0.84% (top quartile). 1M return: 0.76% (upper mid). 1M return: 0.67% (upper mid). 1M return: 0.70% (upper mid). 1M return: 0.90% (top quartile). 1M return: 0.60% (lower mid). 1M return: 0.51% (bottom quartile). 1M return: 0.52% (bottom quartile). 1M return: 0.52% (bottom quartile). Point 7 Sharpe: 1.52 (lower mid). Sharpe: 1.52 (lower mid). Sharpe: 1.27 (bottom quartile). Sharpe: 2.14 (upper mid). Sharpe: 1.51 (bottom quartile). Sharpe: 0.60 (bottom quartile). Sharpe: 2.69 (upper mid). Sharpe: 3.30 (top quartile). Sharpe: 3.40 (top quartile). Sharpe: 3.19 (upper mid). 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): 7.12% (upper mid). Yield to maturity (debt): 6.88% (upper mid). Yield to maturity (debt): 7.14% (top quartile). Yield to maturity (debt): 7.14% (top quartile). Yield to maturity (debt): 6.82% (upper mid). Yield to maturity (debt): 6.56% (lower mid). Yield to maturity (debt): 6.69% (lower mid). Yield to maturity (debt): 6.08% (bottom quartile). Yield to maturity (debt): 6.22% (bottom quartile). Yield to maturity (debt): 6.15% (bottom quartile). Point 10 Modified duration: 2.93 yrs (lower mid). Modified duration: 3.16 yrs (bottom quartile). Modified duration: 3.19 yrs (bottom quartile). Modified duration: 1.68 yrs (upper mid). Modified duration: 2.53 yrs (lower mid). Modified duration: 4.01 yrs (bottom quartile). Modified duration: 0.95 yrs (upper mid). Modified duration: 0.49 yrs (top quartile). Modified duration: 0.49 yrs (top quartile). Modified duration: 0.54 yrs (upper mid). Franklin India Income Builder Account - Plan A - Direct
Axis Corporate Debt Opportunities Fund - Direct
Franklin India Banking And PSU Debt Fund - Direct
HDFC Floating Rate Income Fund - Short Term Plan - Direct
UTI Short Term Income Fund - Direct
Reliance Dynamic Bond Fund - Direct
UTI Treasury Advantage Fund - Direct
Franklin India Savings Plus Fund Retail Option - Direct
UTI Money Market Fund - Direct
Edelweiss Bond Fund - 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 fund seeks to provide income through a portfolio of debt and money market instruments consisting predominantly of securities issued by entities such as Banks and Public Sector Undertakings (PSUs). However, there is no assurance or guarantee that the objective of the scheme will be achieved. Research Highlights for Franklin India Banking And PSU Debt Fund - Direct Below is the key information for Franklin India Banking And PSU Debt 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 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 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 1. Franklin India Income Builder Account - Plan A - Direct
Franklin India Income Builder Account - Plan A - Direct
Growth Launch Date 1 Jan 13 NAV (31 Oct 25) ₹110.543 ↑ 0.05 (0.04 %) Net Assets (Cr) ₹1,071 on 31 Aug 25 Category Debt - Corporate Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating Risk Moderate Expense Ratio 0.24 Sharpe Ratio 1.52 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 7.12% Effective Maturity 6 Years 4 Months 17 Days Modified Duration 2 Years 11 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,514 31 Oct 22 ₹10,846 31 Oct 23 ₹11,617 31 Oct 24 ₹12,577 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 31 Oct 25 Duration Returns 1 Month 0.7% 3 Month 1.4% 6 Month 3.6% 1 Year 9.9% 3 Year 8.4% 5 Year 6.7% 10 Year 15 Year Since launch 8.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.2% 2023 7.1% 2022 3.7% 2021 4.3% 2020 9.7% 2019 9.8% 2018 8.1% 2017 8.3% 2016 9.7% 2015 9.3% Fund Manager information for Franklin India Income Builder Account - Plan A - Direct
Name Since Tenure Rahul Goswami 6 Oct 23 1.99 Yr. Anuj Tagra 7 Mar 24 1.57 Yr. Chandni Gupta 7 Mar 24 1.57 Yr. Data below for Franklin India Income Builder Account - Plan A - Direct as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 11.2% Debt 88.56% Other 0.25% Debt Sector Allocation
Sector Value Credit Quality
Rating Value AA 9.98% AAA 90.02% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.55% Poonawalla Fincorp Ltd (25-Mar-2027)
Debentures | -7% ₹80 Cr 8,000
↑ 8,000 National Bank For Agriculture And Rural Development
Debentures | -6% ₹77 Cr 7,500 Jubilant Bevco Limited
Debentures | -6% ₹69 Cr 6,576 Small Industries Development Bank Of India
Debentures | -4% ₹53 Cr 500 Rec Limited
Debentures | -4% ₹52 Cr 500 Sikka Ports & Terminals Limited
Debentures | -4% ₹52 Cr 500 Rec Limited
Debentures | -4% ₹52 Cr 9,000 Summit Digitel Infrastructure Limited
Debentures | -4% ₹51 Cr 5,000 Embassy Office Parks Reit
Debentures | -4% ₹50 Cr 5,000 Power Finance Corporation Limited
Debentures | -4% ₹49 Cr 4,550 2. Axis Corporate Debt Opportunities Fund - Direct
Axis Corporate Debt Opportunities Fund - Direct
Growth Launch Date 13 Jul 17 NAV (31 Oct 25) ₹18.5407 ↑ 0.01 (0.05 %) Net Assets (Cr) ₹9,588 on 31 Aug 25 Category Debt - Corporate Bond AMC Axis Asset Management Company Limited Rating Risk Moderate Expense Ratio 0.31 Sharpe Ratio 1.52 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.88% Effective Maturity 4 Years 29 Days Modified Duration 3 Years 1 Month 28 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,489 31 Oct 22 ₹10,890 31 Oct 23 ₹11,687 31 Oct 24 ₹12,734 Returns for Axis Corporate Debt Opportunities Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month 0.8% 3 Month 1.5% 6 Month 3.5% 1 Year 9.1% 3 Year 8.5% 5 Year 6.8% 10 Year 15 Year Since launch 7.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.7% 2023 7.5% 2022 4.4% 2021 4.4% 2020 12.4% 2019 6.9% 2018 8.8% 2017 2016 2015 Fund Manager information for Axis Corporate Debt Opportunities Fund - Direct
Name Since Tenure Devang Shah 13 Jul 17 8.22 Yr. Hardik Shah 31 Jan 22 3.67 Yr. Data below for Axis Corporate Debt Opportunities Fund - Direct as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 3.36% Debt 96.37% Other 0.27% Debt Sector Allocation
Sector Value Corporate 61.02% Government 32.29% Cash Equivalent 3.9% Securitized 2.52% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -7% ₹697 Cr 68,500,000
↑ 9,000,000 7.18% Govt Stock 2033
Sovereign Bonds | -7% ₹641 Cr 61,500,000
↑ 12,500,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹300 Cr 29,500 Small Industries Development Bank Of India
Debentures | -2% ₹204 Cr 20,000 Bajaj Housing Finance Limited
Debentures | -2% ₹200 Cr 20,000
↑ 5,000 6.68% Govt Stock 2040
Sovereign Bonds | -2% ₹198 Cr 20,000,000
↑ 20,000,000 Small Industries Development Bank Of India
Debentures | -2% ₹178 Cr 17,500
↑ 15,000 Indian Railway Finance Corporation Limited
Debentures | -2% ₹162 Cr 1,550 Bajaj Finance Limited
Debentures | -1% ₹131 Cr 13,000 Rec Limited
Debentures | -1% ₹127 Cr 12,500 3. Franklin India Banking And PSU Debt Fund - Direct
Franklin India Banking And PSU Debt Fund - Direct
Growth Launch Date 25 Apr 14 NAV (31 Oct 25) ₹24.0373 ↑ 0.02 (0.06 %) Net Assets (Cr) ₹500 on 31 Aug 25 Category Debt - Banking & PSU Debt AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating Risk Moderate Expense Ratio 0.18 Sharpe Ratio 1.27 Information Ratio 0 Alpha Ratio 0 Min Investment Min SIP Investment Exit Load NIL Yield to Maturity 7.14% Effective Maturity 6 Years 5 Months 8 Days Modified Duration 3 Years 2 Months 8 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,436 31 Oct 22 ₹10,749 31 Oct 23 ₹11,527 31 Oct 24 ₹12,471
Purchase not allowed Returns for Franklin India Banking And PSU Debt Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month 0.8% 3 Month 1.6% 6 Month 3.6% 1 Year 8.4% 3 Year 8% 5 Year 6.2% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.1% 2023 7.2% 2022 3.6% 2021 4% 2020 9.5% 2019 11.6% 2018 7.3% 2017 6.8% 2016 10.2% 2015 7.9% Fund Manager information for Franklin India Banking And PSU Debt Fund - Direct
Name Since Tenure Anuj Tagra 7 Mar 24 1.57 Yr. Chandni Gupta 7 Mar 24 1.57 Yr. Sandeep Manam 18 Oct 21 3.96 Yr. Data below for Franklin India Banking And PSU Debt Fund - Direct as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 22.72% Debt 76.88% Other 0.4% Debt Sector Allocation
Sector Value Corporate 60.68% Government 26.1% Cash Equivalent 12.82% Credit Quality
Rating Value AA 11.33% AAA 88.67% Top Securities Holdings / Portfolio
Name Holding Value Quantity Jubilant Bevco Limited
Debentures | -8% ₹40 Cr 3,747 Rec Limited
Debentures | -7% ₹34 Cr 6,000 India Infrastructure Finance Company Limited
Debentures | -6% ₹32 Cr 3,000 Power Finance Corporation Limited
Debentures | -5% ₹27 Cr 2,500 Small Industries Development Bank Of India
Debentures | -5% ₹27 Cr 250 Housing And Urban Development Corporation Limited
Debentures | -5% ₹26 Cr 2,500 ICICI Bank Limited
Debentures | -5% ₹26 Cr 25 National Bank For Agriculture And Rural Development
Debentures | -5% ₹25 Cr 2,500 7.30% Uttarkahand SDL (01-Oct-2032)
Sovereign Bonds | -5% ₹25 Cr 2,500,000
↑ 2,500,000 HDFC Bank Limited
Debentures | -4% ₹21 Cr 20 4. 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 (31 Oct 25) ₹52.2189 ↑ 0.02 (0.04 %) Net Assets (Cr) ₹15,446 on 30 Sep 25 Category Debt - Floating Rate AMC HDFC Asset Management Company Limited Rating Risk Moderately Low Expense Ratio 0.25 Sharpe Ratio 2.14 Information Ratio 0 Alpha Ratio 0 Min Investment Min SIP Investment Exit Load NIL Yield to Maturity 7.14% Effective Maturity 4 Years 7 Months 13 Days Modified Duration 1 Year 8 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,544 31 Oct 22 ₹10,983 31 Oct 23 ₹11,833 31 Oct 24 ₹12,851
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 31 Oct 25 Duration Returns 1 Month 0.7% 3 Month 1.5% 6 Month 3.6% 1 Year 8.3% 3 Year 8.2% 5 Year 6.8% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.5% 2023 7.9% 2022 4.8% 2021 4.4% 2020 9.4% 2019 8.7% 2018 7.4% 2017 7% 2016 9.1% 2015 8.9% Fund Manager information for HDFC Floating Rate Income Fund - Short Term Plan - Direct
Name Since Tenure Shobhit Mehrotra 23 Oct 07 17.95 Yr. Dhruv Muchhal 22 Jun 23 2.28 Yr. Data below for HDFC Floating Rate Income Fund - Short Term Plan - Direct as on 30 Sep 25
Asset Allocation
Asset Class Value Cash 5.74% Debt 93.97% Other 0.29% Debt Sector Allocation
Sector Value Credit Quality
Rating Value AA 14.38% AAA 85.62% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.99% Govt Stock 2034
Sovereign Bonds | -14% ₹2,138 Cr 210,070,000 6.63% Govt Stock 2031
Sovereign Bonds | -6% ₹992 Cr 97,500,000 6.82% Govt Stock 2033
Sovereign Bonds | -5% ₹740 Cr 71,641,200 SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -3% ₹516 Cr 510 Jubilant Beverages Limited
Debentures | -3% ₹459 Cr 43,600 National Bank For Agriculture And Rural Development
Debentures | -2% ₹331 Cr 32,500 Aadhar Housing Finance Limited
Debentures | -2% ₹305 Cr 30,000 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -2% ₹253 Cr 250 Power Finance Corporation Limited
Debentures | -1% ₹229 Cr 22,500 Bajaj Housing Finance Limited
Debentures | -1% ₹204 Cr 20,000 5. UTI Short Term Income Fund - Direct
UTI Short Term Income Fund - Direct
Growth Launch Date 1 Jan 13 NAV (31 Oct 25) ₹34.5362 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹3,251 on 31 Aug 25 Category Debt - Short term Bond AMC UTI Asset Management Company Ltd Rating Risk Moderate Expense Ratio 0.4 Sharpe Ratio 1.51 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.82% Effective Maturity 3 Years 2 Months 19 Days Modified Duration 2 Years 6 Months 11 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,973 31 Oct 22 ₹11,376 31 Oct 23 ₹12,210 31 Oct 24 ₹13,283 31 Oct 25 ₹14,380 Returns for UTI Short Term Income Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month 0.7% 3 Month 1.4% 6 Month 3.3% 1 Year 8.3% 3 Year 8.1% 5 Year 7.5% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.4% 2023 7.6% 2022 4.4% 2021 9% 2020 11% 2019 -3.5% 2018 6.6% 2017 6.6% 2016 10.6% 2015 8.9% Fund Manager information for UTI Short Term Income Fund - Direct
Name Since Tenure Anurag Mittal 8 Apr 25 0.48 Yr. Sudhir Agarwal 25 Oct 12 12.94 Yr. Data below for UTI Short Term Income Fund - Direct as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 15.4% Debt 84.34% Other 0.26% Debt Sector Allocation
Sector Value Corporate 64% Government 28.9% Cash Equivalent 6.84% Credit Quality
Rating Value AA 8.49% AAA 91.51% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -9% ₹310 Cr 3,050,000,000 LIC Housing Finance Ltd
Debentures | -5% ₹179 Cr 1,750 National Housing Bank
Debentures | -5% ₹178 Cr 17,500 Small Industries Development Bank Of India
Debentures | -5% ₹178 Cr 17,500 Power Finance Corporation Limited
Debentures | -5% ₹177 Cr 17,500 National Bank For Agriculture And Rural Development
Debentures | -4% ₹143 Cr 14,000 Export Import Bank Of India
Debentures | -4% ₹127 Cr 12,500 Bajaj Finance Limited
Debentures | -2% ₹76 Cr 7,500 Kotak Mahindra Prime Limited
Debentures | -2% ₹76 Cr 750 Export Import Bank Of India
Debentures | -2% ₹76 Cr 7,500 6. Reliance Dynamic Bond Fund - Direct
Reliance Dynamic Bond Fund - Direct
Growth Launch Date 1 Jan 13 NAV (31 Oct 25) ₹40.7555 ↑ 0.03 (0.07 %) Net Assets (Cr) ₹4,362 on 31 Aug 25 Category Debt - Dynamic Bond AMC Nippon Life Asset Management Ltd. Rating Risk Moderate Expense Ratio 0.32 Sharpe Ratio 0.6 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 6.56% Effective Maturity 4 Years 10 Months 24 Days Modified Duration 4 Years 4 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,294 31 Oct 22 ₹10,455 31 Oct 23 ₹11,231 31 Oct 24 ₹12,390 31 Oct 25 ₹13,398 Returns for Reliance Dynamic Bond Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month 0.9% 3 Month 0.7% 6 Month 2.4% 1 Year 8.1% 3 Year 8.6% 5 Year 6% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 9.4% 2023 7.1% 2022 2.8% 2021 3.2% 2020 11.9% 2019 9.2% 2018 5.5% 2017 3.8% 2016 14.7% 2015 6.4% Fund Manager information for Reliance Dynamic Bond Fund - Direct
Name Since Tenure Vivek Sharma 25 Jun 20 5.27 Yr. Pranay Sinha 31 Mar 21 4.5 Yr. Kinjal Desai 25 May 18 7.36 Yr. Data below for Reliance Dynamic Bond Fund - Direct as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 2.06% Debt 97.64% Other 0.3% Debt Sector Allocation
Sector Value Government 97.64% Cash Equivalent 2.06% 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% ₹234 Cr 23,078,300 07.72 MH Sgs 2031
Sovereign Bonds | -5% ₹199 Cr 19,146,700 07.02 Tn SDL 2030
Sovereign Bonds | -3% ₹126 Cr 12,500,000 7.17% Govt Stock 2030
Sovereign Bonds | -3% ₹125 Cr 12,000,000 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 7. UTI Treasury Advantage Fund - Direct
UTI Treasury Advantage Fund - Direct
Growth Launch Date 1 Jan 13 NAV (31 Oct 25) ₹3,689.29 ↑ 0.97 (0.03 %) Net Assets (Cr) ₹3,125 on 31 Aug 25 Category Debt - Low Duration AMC UTI Asset Management Company Ltd Rating Risk Moderately Low Expense Ratio 0.37 Sharpe Ratio 2.69 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.69% Effective Maturity 1 Year 1 Month 10 Days Modified Duration 11 Months 12 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,923 31 Oct 22 ₹11,367 31 Oct 23 ₹12,180 31 Oct 24 ₹13,134 Returns for UTI Treasury Advantage Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month 0.6% 3 Month 1.6% 6 Month 3.5% 1 Year 7.8% 3 Year 7.6% 5 Year 7.2% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.8% 2023 7.2% 2022 4.6% 2021 9.1% 2020 7.4% 2019 -4.1% 2018 7.5% 2017 7.2% 2016 9.1% 2015 8.9% Fund Manager information for UTI Treasury Advantage Fund - Direct
Name Since Tenure Anurag Mittal 1 Dec 21 3.84 Yr. Data below for UTI Treasury Advantage Fund - Direct as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 17.17% Debt 82.5% Other 0.33% Debt Sector Allocation
Sector Value Corporate 64.87% Government 19.08% Cash Equivalent 13.79% Securitized 1.94% Credit Quality
Rating Value AA 20.42% AAA 79.58% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -4% ₹127 Cr 12,500 Treasury Bills
Sovereign Bonds | -4% ₹123 Cr 1,250,000,000 Embassy Office Parks Reit
Debentures | -4% ₹120 Cr 1,200 Rec Limited
Debentures | -4% ₹101 Cr 10,000 Summit Digitel Infrastructure Limited
Debentures | -3% ₹100 Cr 1,000
↑ 750 Sikka Ports & Terminals Limited
Debentures | -3% ₹100 Cr 1,000 182 Days Tbill Red 29-01-2026
Sovereign Bonds | -3% ₹94 Cr 950,000,000 Nirma Limited
Debentures | -3% ₹75 Cr 7,500 Ncd Poonawalla Fincorp Ltd.
Debentures | -3% ₹75 Cr 7,500
↑ 7,500 Jamnagar Utilities & Power Private Limited
Debentures | -3% ₹75 Cr 750
↑ 250 8. Franklin India Savings Plus Fund Retail Option - Direct
Franklin India Savings Plus Fund Retail Option - Direct
Growth Launch Date 1 Jan 13 NAV (31 Oct 25) ₹53.0324 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹3,865 on 31 Aug 25 Category Debt - Money Market AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating Risk Moderately Low Expense Ratio 0.14 Sharpe Ratio 3.3 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.08% Effective Maturity 6 Months 7 Days Modified Duration 5 Months 26 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,368 31 Oct 22 ₹10,789 31 Oct 23 ₹11,594 31 Oct 24 ₹12,497 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 31 Oct 25 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 3.4% 1 Year 7.8% 3 Year 7.7% 5 Year 6.1% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.8% 2023 7.4% 2022 4.6% 2021 3.7% 2020 6.2% 2019 8.6% 2018 7.7% 2017 7.3% 2016 8.5% 2015 9% Fund Manager information for Franklin India Savings Plus Fund Retail Option - Direct
Name Since Tenure Rahul Goswami 6 Oct 23 1.99 Yr. Rohan Maru 10 Oct 24 0.98 Yr. Chandni Gupta 30 Apr 24 1.42 Yr. Data below for Franklin India Savings Plus Fund Retail Option - Direct as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 87.3% Debt 12.48% Other 0.22% Debt Sector Allocation
Sector Value Cash Equivalent 40.04% Corporate 35.97% Government 23.77% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -5% ₹220 Cr 22,500,000 364 DTB 27112025
Sovereign Bonds | -3% ₹149 Cr 15,000,000 364 DTB 06112025
Sovereign Bonds | -2% ₹100 Cr 10,000,000
↑ 10,000,000 Kotak Mahindra Bank Ltd.
Debentures | -2% ₹73 Cr 1,500 Punjab National Bank
Domestic Bonds | -1% ₹49 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 HDFC Bank Ltd.
Debentures | -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 | -0% ₹21 Cr 2,000,000 9. UTI Money Market Fund - Direct
UTI Money Market Fund - Direct
Growth Launch Date 1 Jan 13 NAV (31 Oct 25) ₹3,193.5 ↑ 0.54 (0.02 %) Net Assets (Cr) ₹19,496 on 31 Aug 25 Category Debt - Money Market AMC UTI Asset Management Company Ltd Rating Risk Low Expense Ratio 0.17 Sharpe Ratio 3.4 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.22% Effective Maturity 5 Months 28 Days Modified Duration 5 Months 27 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,381 31 Oct 22 ₹10,844 31 Oct 23 ₹11,661 31 Oct 24 ₹12,571
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 31 Oct 25 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 3.4% 1 Year 7.8% 3 Year 7.7% 5 Year 6.3% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.8% 2023 7.5% 2022 5% 2021 3.8% 2020 6.1% 2019 8.1% 2018 7.9% 2017 6.8% 2016 7.8% 2015 8.5% Fund Manager information for UTI Money Market Fund - Direct
Name Since Tenure Anurag Mittal 1 Dec 21 3.83 Yr. Amit Sharma 7 Jul 17 8.24 Yr. Data below for UTI Money Market Fund - Direct as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 86.66% Debt 13.08% Other 0.26% Debt Sector Allocation
Sector Value Corporate 46.85% Cash Equivalent 31.16% Government 21.74% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -2% ₹490 Cr 5,000,000,000 364 DTB 19mar2026
Sovereign Bonds | -2% ₹489 Cr 5,000,000,000 364 Days Tbill Red 12-03-2026
Sovereign Bonds | -1% ₹245 Cr 2,500,000,000 182 Days T-Bill - 19/03/2026
Sovereign Bonds | -1% ₹244 Cr 2,500,000,000
↑ 2,500,000,000 364 DTB 12022026
Sovereign Bonds | -1% ₹196 Cr 2,000,000,000 364 DTB 27022026
Sovereign Bonds | -1% ₹196 Cr 2,000,000,000 182 Days Tbill Red 28-05-2026
Sovereign Bonds | -1% ₹173 Cr 1,750,000,000 HDFC Bank Ltd.
Debentures | -1% ₹146 Cr 1,500,000,000 Equitas Small Finance Bank Ltd.
Debentures | -1% ₹146 Cr 1,500,000,000 India (Republic of)
- | -1% ₹119 Cr 1,206,770,000 10. Edelweiss Bond Fund - Direct
Edelweiss Bond Fund - Direct
Growth Launch Date 1 Jan 13 NAV (31 Oct 25) ₹32.0548 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹2,062 on 31 Aug 25 Category Debt - Dynamic Bond AMC Edelweiss Asset Management Limited Rating Risk Moderate Expense Ratio 0.16 Sharpe Ratio 3.19 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.15% Effective Maturity 6 Months 14 Days Modified Duration 6 Months 14 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,362 31 Oct 22 ₹10,745 31 Oct 23 ₹11,522 31 Oct 24 ₹12,406 Returns for Edelweiss Bond Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 3.4% 1 Year 7.7% 3 Year 7.5% 5 Year 6% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.7% 2023 7.2% 2022 4.3% 2021 3.7% 2020 7.2% 2019 13.4% 2018 6.6% 2017 3.6% 2016 10.5% 2015 7.9% Fund Manager information for Edelweiss Bond Fund - Direct
Name Since Tenure Pranavi Kulkarni 23 Nov 21 3.86 Yr. Hetul Raval 1 Jul 24 1.25 Yr. Data below for Edelweiss Bond Fund - Direct as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 83.28% Debt 16.42% Other 0.31% Debt Sector Allocation
Sector Value Corporate 43.22% Cash Equivalent 33.38% Government 23.09% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -4% ₹73 Cr 7,500,000 HDFC Bank Ltd.
Debentures | -4% ₹73 Cr 7,500,000 India (Republic of)
- | -3% ₹53 Cr 5,500,000 364 DTB 19mar2026
Sovereign Bonds | -3% ₹49 Cr 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% ₹24 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 Bank Of Baroda
Certificate of Deposit | -5% ₹98 Cr 10,000,000 Export-Import Bank Of India
Certificate of Deposit | -5% ₹96 Cr 10,000,000
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