5 Best Performing Lump sum Investments 2025 - 2026

Updated on October 27, 2025 , 155305 views

Most of us have faced this situation — money sitting idle in a Savings Account or a Fixed Deposit that has just matured. The question is, what should you do with it? Should you invest it all at once in a mutual fund, or break it down into smaller SIPs? While SIPs spread investments over time, lump sum Investing gives your money the chance to start compounding immediately. Each approach has its pros and cons, but choosing wisely can make a big difference to your wealth.

In this article, we’ll look at a 2025-ready analysis of the best performing lump sum Mutual Funds in India, their returns, suitability, and smart strategies to maximise your investment.

What is Lump Sum Investment in Mutual Funds?

A lump sum investment means investing a one-time large amount into a mutual fund scheme, instead of monthly contributions like SIPs.

Example: If you invest ₹5,00,000 today in an equity mutual fund, that’s a lump sum investment. In contrast, SIP would break it into smaller monthly amounts (e.g., ₹10,000/month).

Key Difference (Lump Sum vs SIP):

Lump Sum: Best when markets are undervalued or you have idle capital to deploy immediately.
SIP: Best when markets are volatile, as it averages out your cost.

Why Choose Lump Sum Investments?

Lump sum investing is suitable for:

Windfall gains (bonus, inheritance, sale of property).
Long-term investors (7+ years horizon in equity).
Falling market opportunities (investing when markets dip significantly).

Advantages:

Immediate exposure to compounding.
Better returns in strong bull markets.
Ideal for investors with higher risk appetite.

Risks:

Higher short-term Volatility.
Poor timing may affect returns.
Requires patience and long-term outlook.

Best Performing Lump Sum Mutual Funds in India 2025

Below are the top ranked funds from equity category like large-, mid-, small-, multi-cap funds, ELSS and sectoral funds.

Fund Selection Methodology used to find 9 funds

AUM Range: 15 to 10000 Cr
Keyword: “mutualfunds”
No Of Funds: 5

Top 5 Lump sum Large Cap Equity Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
IDBI India Top 100 Equity Fund Growth	₹44.16 ↑ 0.05	₹655	5,000	9.2	12.5	15.4	21.9	12.6
Nippon India Large Cap Fund Growth	₹94.1134 ↓ -0.50	₹45,012	5,000	5.4	9.6	8.3	20.2	25.6	18.2
ICICI Prudential Bluechip Fund Growth	₹114.22 ↓ -0.64	₹71,840	5,000	4.7	8.1	7.5	18.7	22.3	16.9
DSP TOP 100 Equity Growth	₹483.729 ↓ -3.79	₹6,398	1,000	3.1	5	5.4	18.2	18.7	20.5
Invesco India Largecap Fund Growth	₹71.8 ↓ -0.31	₹1,555	5,000	5	8.8	6.5	18	19.5	20
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jul 23

Research Highlights & Commentary of 5 Funds showcased

Commentary	IDBI India Top 100 Equity Fund	Nippon India Large Cap Fund	ICICI Prudential Bluechip Fund	DSP TOP 100 Equity	Invesco India Largecap Fund
Point 1	Bottom quartile AUM (₹655 Cr).	Upper mid AUM (₹45,012 Cr).	Highest AUM (₹71,840 Cr).	Lower mid AUM (₹6,398 Cr).	Bottom quartile AUM (₹1,555 Cr).
Point 2	Established history (13+ yrs).	Established history (18+ yrs).	Established history (17+ yrs).	Oldest track record among peers (22 yrs).	Established history (16+ yrs).
Point 3	Rating: 3★ (lower mid).	Top rated.	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 12.61% (bottom quartile).	5Y return: 25.56% (top quartile).	5Y return: 22.30% (upper mid).	5Y return: 18.69% (bottom quartile).	5Y return: 19.51% (lower mid).
Point 6	3Y return: 21.88% (top quartile).	3Y return: 20.23% (upper mid).	3Y return: 18.65% (lower mid).	3Y return: 18.18% (bottom quartile).	3Y return: 18.03% (bottom quartile).
Point 7	1Y return: 15.39% (top quartile).	1Y return: 8.26% (upper mid).	1Y return: 7.53% (lower mid).	1Y return: 5.35% (bottom quartile).	1Y return: 6.55% (bottom quartile).
Point 8	Alpha: 2.11 (upper mid).	Alpha: 2.49 (top quartile).	Alpha: 1.67 (bottom quartile).	Alpha: -0.52 (bottom quartile).	Alpha: 1.96 (lower mid).
Point 9	Sharpe: 1.09 (top quartile).	Sharpe: -0.40 (upper mid).	Sharpe: -0.51 (bottom quartile).	Sharpe: -0.64 (bottom quartile).	Sharpe: -0.50 (lower mid).
Point 10	Information ratio: 0.14 (bottom quartile).	Information ratio: 1.96 (top quartile).	Information ratio: 1.64 (upper mid).	Information ratio: 0.83 (lower mid).	Information ratio: 0.70 (bottom quartile).

IDBI India Top 100 Equity Fund

Bottom quartile AUM (₹655 Cr).
Established history (13+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 12.61% (bottom quartile).
3Y return: 21.88% (top quartile).
1Y return: 15.39% (top quartile).
Alpha: 2.11 (upper mid).
Sharpe: 1.09 (top quartile).
Information ratio: 0.14 (bottom quartile).

Nippon India Large Cap Fund

Upper mid AUM (₹45,012 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 25.56% (top quartile).
3Y return: 20.23% (upper mid).
1Y return: 8.26% (upper mid).
Alpha: 2.49 (top quartile).
Sharpe: -0.40 (upper mid).
Information ratio: 1.96 (top quartile).

ICICI Prudential Bluechip Fund

Highest AUM (₹71,840 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 22.30% (upper mid).
3Y return: 18.65% (lower mid).
1Y return: 7.53% (lower mid).
Alpha: 1.67 (bottom quartile).
Sharpe: -0.51 (bottom quartile).
Information ratio: 1.64 (upper mid).

DSP TOP 100 Equity

Lower mid AUM (₹6,398 Cr).
Oldest track record among peers (22 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 18.69% (bottom quartile).
3Y return: 18.18% (bottom quartile).
1Y return: 5.35% (bottom quartile).
Alpha: -0.52 (bottom quartile).
Sharpe: -0.64 (bottom quartile).
Information ratio: 0.83 (lower mid).

Invesco India Largecap Fund

Bottom quartile AUM (₹1,555 Cr).
Established history (16+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.51% (lower mid).
3Y return: 18.03% (bottom quartile).
1Y return: 6.55% (bottom quartile).
Alpha: 1.96 (lower mid).
Sharpe: -0.50 (lower mid).
Information ratio: 0.70 (bottom quartile).

About the Fincash Research Team

At Fincash, our mission is to help investors make informed, confident decisions. With over 9 years in Mutual Fund distribution, our team blends deep industry expertise with a commitment to transparency, accuracy, and investor education.

Who We Are

AMFI Registration No.: 112358
MCA CIN: U74999MH2016PTC282153
Location: Thane, Maharashtra, India
Experience: 9+ years in Mutual Fund distribution

Our Expertise

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

Our Research Process

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

Why Trust Us

Regulated & compliant: AMFI-registered and MCA-incorporated.
Investor-first: No pay-to-promote lists; suitability and performance drive coverage.
Education-focused: We simplify complex concepts for everyday investors.

Disclaimer

Content is for educational and informational purposes only and is not investment advice. Please consider your risk profile and consult a financial advisor before investing.

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Top 5 Lump sum Mid Cap Equity Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Motilal Oswal Midcap 30 Fund Growth	₹105.221 ↑ 0.18	₹34,780	5,000	3.4	10.7	0.5	26.7	33.2	57.1
Edelweiss Mid Cap Fund Growth	₹103.607 ↑ 0.22	₹11,297	5,000	3.9	11	6.1	25.3	29.5	38.9
Invesco India Mid Cap Fund Growth	₹186.53 ↓ -0.25	₹8,062	5,000	3.5	17.4	15.4	28.3	28.6	43.1
Sundaram Mid Cap Fund Growth	₹1,444.09 ↓ -3.35	₹12,501	5,000	5.5	13.2	6.8	25	27.3	32
ICICI Prudential MidCap Fund Growth	₹310.55 ↓ -0.39	₹6,492	5,000	3.6	17.3	10.4	23	27.3	27
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Oct 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Motilal Oswal Midcap 30 Fund	Edelweiss Mid Cap Fund	Invesco India Mid Cap Fund	Sundaram Mid Cap Fund	ICICI Prudential MidCap Fund
Point 1	Highest AUM (₹34,780 Cr).	Lower mid AUM (₹11,297 Cr).	Bottom quartile AUM (₹8,062 Cr).	Upper mid AUM (₹12,501 Cr).	Bottom quartile AUM (₹6,492 Cr).
Point 2	Established history (11+ yrs).	Established history (17+ yrs).	Established history (18+ yrs).	Oldest track record among peers (23 yrs).	Established history (21+ yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Top rated.	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 33.21% (top quartile).	5Y return: 29.55% (upper mid).	5Y return: 28.65% (lower mid).	5Y return: 27.32% (bottom quartile).	5Y return: 27.26% (bottom quartile).
Point 6	3Y return: 26.73% (upper mid).	3Y return: 25.33% (lower mid).	3Y return: 28.26% (top quartile).	3Y return: 24.97% (bottom quartile).	3Y return: 22.96% (bottom quartile).
Point 7	1Y return: 0.51% (bottom quartile).	1Y return: 6.05% (bottom quartile).	1Y return: 15.43% (top quartile).	1Y return: 6.80% (lower mid).	1Y return: 10.40% (upper mid).
Point 8	Alpha: 4.99 (top quartile).	Alpha: 3.95 (upper mid).	Alpha: 0.00 (bottom quartile).	Alpha: 2.99 (bottom quartile).	Alpha: 3.29 (lower mid).
Point 9	Sharpe: -0.18 (upper mid).	Sharpe: -0.28 (lower mid).	Sharpe: 0.14 (top quartile).	Sharpe: -0.33 (bottom quartile).	Sharpe: -0.32 (bottom quartile).
Point 10	Information ratio: 0.57 (top quartile).	Information ratio: 0.39 (upper mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.22 (lower mid).	Information ratio: -0.16 (bottom quartile).

Motilal Oswal Midcap 30 Fund

Highest AUM (₹34,780 Cr).
Established history (11+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 33.21% (top quartile).
3Y return: 26.73% (upper mid).
1Y return: 0.51% (bottom quartile).
Alpha: 4.99 (top quartile).
Sharpe: -0.18 (upper mid).
Information ratio: 0.57 (top quartile).

Edelweiss Mid Cap Fund

Lower mid AUM (₹11,297 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 29.55% (upper mid).
3Y return: 25.33% (lower mid).
1Y return: 6.05% (bottom quartile).
Alpha: 3.95 (upper mid).
Sharpe: -0.28 (lower mid).
Information ratio: 0.39 (upper mid).

Invesco India Mid Cap Fund

Bottom quartile AUM (₹8,062 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 28.65% (lower mid).
3Y return: 28.26% (top quartile).
1Y return: 15.43% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.14 (top quartile).
Information ratio: 0.00 (bottom quartile).

Sundaram Mid Cap Fund

Upper mid AUM (₹12,501 Cr).
Oldest track record among peers (23 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 27.32% (bottom quartile).
3Y return: 24.97% (bottom quartile).
1Y return: 6.80% (lower mid).
Alpha: 2.99 (bottom quartile).
Sharpe: -0.33 (bottom quartile).
Information ratio: 0.22 (lower mid).

ICICI Prudential MidCap Fund

Bottom quartile AUM (₹6,492 Cr).
Established history (21+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 27.26% (bottom quartile).
3Y return: 22.96% (bottom quartile).
1Y return: 10.40% (upper mid).
Alpha: 3.29 (lower mid).
Sharpe: -0.32 (bottom quartile).
Information ratio: -0.16 (bottom quartile).

Top 5 Lump sum Small Cap Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
HDFC Small Cap Fund Growth	₹144.638 ↓ -0.20	₹36,294	5,000	2.2	16	6.7	23.6	30.8	20.4
Franklin India Smaller Companies Fund Growth	₹172.927 ↑ 0.08	₹13,302	5,000	-0.2	8.1	-1.6	22.5	29.3	23.2
IDBI Small Cap Fund Growth	₹30.7543 ↑ 0.30	₹604	5,000	0.1	9	-3.4	18.1	27.9	40
ICICI Prudential Smallcap Fund Growth	₹88.53 ↓ -0.09	₹8,441	5,000	0.6	11.1	1.7	17.7	27.8	15.6
Sundaram Small Cap Fund Growth	₹267.406 ↑ 0.91	₹3,282	5,000	2.7	13.1	3.9	21	27.6	19.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Oct 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	HDFC Small Cap Fund	Franklin India Smaller Companies Fund	IDBI Small Cap Fund	ICICI Prudential Smallcap Fund	Sundaram Small Cap Fund
Point 1	Highest AUM (₹36,294 Cr).	Upper mid AUM (₹13,302 Cr).	Bottom quartile AUM (₹604 Cr).	Lower mid AUM (₹8,441 Cr).	Bottom quartile AUM (₹3,282 Cr).
Point 2	Established history (17+ yrs).	Established history (19+ yrs).	Established history (8+ yrs).	Established history (18+ yrs).	Oldest track record among peers (20 yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Not Rated.	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 30.79% (top quartile).	5Y return: 29.34% (upper mid).	5Y return: 27.94% (lower mid).	5Y return: 27.84% (bottom quartile).	5Y return: 27.63% (bottom quartile).
Point 6	3Y return: 23.64% (top quartile).	3Y return: 22.51% (upper mid).	3Y return: 18.06% (bottom quartile).	3Y return: 17.74% (bottom quartile).	3Y return: 20.97% (lower mid).
Point 7	1Y return: 6.71% (top quartile).	1Y return: -1.63% (bottom quartile).	1Y return: -3.40% (bottom quartile).	1Y return: 1.75% (lower mid).	1Y return: 3.86% (upper mid).
Point 8	Alpha: 0.00 (lower mid).	Alpha: -5.08 (bottom quartile).	Alpha: -4.61 (bottom quartile).	Alpha: 0.15 (upper mid).	Alpha: 0.97 (top quartile).
Point 9	Sharpe: -0.33 (top quartile).	Sharpe: -0.76 (bottom quartile).	Sharpe: -0.70 (bottom quartile).	Sharpe: -0.49 (lower mid).	Sharpe: -0.47 (upper mid).
Point 10	Information ratio: 0.00 (upper mid).	Information ratio: 0.02 (top quartile).	Information ratio: -0.82 (bottom quartile).	Information ratio: -0.58 (bottom quartile).	Information ratio: -0.47 (lower mid).

HDFC Small Cap Fund

Highest AUM (₹36,294 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 30.79% (top quartile).
3Y return: 23.64% (top quartile).
1Y return: 6.71% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.33 (top quartile).
Information ratio: 0.00 (upper mid).

Franklin India Smaller Companies Fund

Upper mid AUM (₹13,302 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 29.34% (upper mid).
3Y return: 22.51% (upper mid).
1Y return: -1.63% (bottom quartile).
Alpha: -5.08 (bottom quartile).
Sharpe: -0.76 (bottom quartile).
Information ratio: 0.02 (top quartile).

IDBI Small Cap Fund

Bottom quartile AUM (₹604 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 27.94% (lower mid).
3Y return: 18.06% (bottom quartile).
1Y return: -3.40% (bottom quartile).
Alpha: -4.61 (bottom quartile).
Sharpe: -0.70 (bottom quartile).
Information ratio: -0.82 (bottom quartile).

ICICI Prudential Smallcap Fund

Lower mid AUM (₹8,441 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 27.84% (bottom quartile).
3Y return: 17.74% (bottom quartile).
1Y return: 1.75% (lower mid).
Alpha: 0.15 (upper mid).
Sharpe: -0.49 (lower mid).
Information ratio: -0.58 (bottom quartile).

Sundaram Small Cap Fund

Bottom quartile AUM (₹3,282 Cr).
Oldest track record among peers (20 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 27.63% (bottom quartile).
3Y return: 20.97% (lower mid).
1Y return: 3.86% (upper mid).
Alpha: 0.97 (top quartile).
Sharpe: -0.47 (upper mid).
Information ratio: -0.47 (lower mid).

Top 5 Lump sum Diversified/Multi Cap Equity Mutual Fund

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
HDFC Equity Fund Growth	₹2,080.83 ↓ -10.34	₹81,936	5,000	6	9.1	10.6	22.9	29.7	23.5
JM Multicap Fund Growth	₹99.8968 ↓ -0.33	₹5,943	5,000	4.1	6.1	-3.7	22.9	26.1	33.3
Nippon India Multi Cap Fund Growth	₹306.595 ↓ -0.85	₹46,216	5,000	2.8	10.5	5.5	22.9	30.9	25.8
IDBI Diversified Equity Fund Growth	₹37.99 ↑ 0.14	₹382	5,000	10.2	13.2	13.5	22.7	12
Motilal Oswal Multicap 35 Fund Growth	₹63.171 ↑ 0.47	₹13,679	5,000	2.6	9.7	4.4	22.6	19.6	45.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Oct 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	HDFC Equity Fund	JM Multicap Fund	Nippon India Multi Cap Fund	IDBI Diversified Equity Fund	Motilal Oswal Multicap 35 Fund
Point 1	Highest AUM (₹81,936 Cr).	Bottom quartile AUM (₹5,943 Cr).	Upper mid AUM (₹46,216 Cr).	Bottom quartile AUM (₹382 Cr).	Lower mid AUM (₹13,679 Cr).
Point 2	Oldest track record among peers (30 yrs).	Established history (17+ yrs).	Established history (20+ yrs).	Established history (11+ yrs).	Established history (11+ yrs).
Point 3	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 2★ (bottom quartile).	Top rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 29.70% (upper mid).	5Y return: 26.12% (lower mid).	5Y return: 30.92% (top quartile).	5Y return: 12.03% (bottom quartile).	5Y return: 19.60% (bottom quartile).
Point 6	3Y return: 22.94% (top quartile).	3Y return: 22.92% (upper mid).	3Y return: 22.92% (lower mid).	3Y return: 22.73% (bottom quartile).	3Y return: 22.63% (bottom quartile).
Point 7	1Y return: 10.59% (upper mid).	1Y return: -3.65% (bottom quartile).	1Y return: 5.51% (lower mid).	1Y return: 13.54% (top quartile).	1Y return: 4.45% (bottom quartile).
Point 8	Alpha: 4.96 (upper mid).	Alpha: -8.50 (bottom quartile).	Alpha: 3.10 (lower mid).	Alpha: -1.07 (bottom quartile).	Alpha: 9.76 (top quartile).
Point 9	Sharpe: -0.16 (lower mid).	Sharpe: -1.13 (bottom quartile).	Sharpe: -0.38 (bottom quartile).	Sharpe: 1.01 (top quartile).	Sharpe: -0.06 (upper mid).
Point 10	Information ratio: 1.74 (top quartile).	Information ratio: 1.09 (lower mid).	Information ratio: 1.10 (upper mid).	Information ratio: -0.53 (bottom quartile).	Information ratio: 0.79 (bottom quartile).

HDFC Equity Fund

Highest AUM (₹81,936 Cr).
Oldest track record among peers (30 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 29.70% (upper mid).
3Y return: 22.94% (top quartile).
1Y return: 10.59% (upper mid).
Alpha: 4.96 (upper mid).
Sharpe: -0.16 (lower mid).
Information ratio: 1.74 (top quartile).

JM Multicap Fund

Bottom quartile AUM (₹5,943 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 26.12% (lower mid).
3Y return: 22.92% (upper mid).
1Y return: -3.65% (bottom quartile).
Alpha: -8.50 (bottom quartile).
Sharpe: -1.13 (bottom quartile).
Information ratio: 1.09 (lower mid).

Nippon India Multi Cap Fund

Upper mid AUM (₹46,216 Cr).
Established history (20+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 30.92% (top quartile).
3Y return: 22.92% (lower mid).
1Y return: 5.51% (lower mid).
Alpha: 3.10 (lower mid).
Sharpe: -0.38 (bottom quartile).
Information ratio: 1.10 (upper mid).

IDBI Diversified Equity Fund

Bottom quartile AUM (₹382 Cr).
Established history (11+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 12.03% (bottom quartile).
3Y return: 22.73% (bottom quartile).
1Y return: 13.54% (top quartile).
Alpha: -1.07 (bottom quartile).
Sharpe: 1.01 (top quartile).
Information ratio: -0.53 (bottom quartile).

Motilal Oswal Multicap 35 Fund

Lower mid AUM (₹13,679 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 19.60% (bottom quartile).
3Y return: 22.63% (bottom quartile).
1Y return: 4.45% (bottom quartile).
Alpha: 9.76 (top quartile).
Sharpe: -0.06 (upper mid).
Information ratio: 0.79 (bottom quartile).

Top 5 Lump sum (ELSS) Equity Linked Saving Scheme

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Motilal Oswal Long Term Equity Fund Growth	₹53.1873 ↑ 0.12	₹4,223	500	1.5	12.8	1.2	25.6	25.8	47.7
SBI Magnum Tax Gain Fund Growth	₹448.315 ↓ -2.28	₹29,937	500	3.3	7.4	3.9	24.4	25.9	27.7
HDFC Tax Saver Fund Growth	₹1,466.48 ↓ -8.02	₹16,525	500	5.2	8.3	9	22.2	26.2	21.3
JM Tax Gain Fund Growth	₹50.5959 ↓ -0.09	₹210	500	5.4	11.5	2.4	21.1	23	29
IDBI Equity Advantage Fund Growth	₹43.39 ↑ 0.04	₹485	500	9.7	15.1	16.9	20.8	10
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Oct 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Motilal Oswal Long Term Equity Fund	SBI Magnum Tax Gain Fund	HDFC Tax Saver Fund	JM Tax Gain Fund	IDBI Equity Advantage Fund
Point 1	Lower mid AUM (₹4,223 Cr).	Highest AUM (₹29,937 Cr).	Upper mid AUM (₹16,525 Cr).	Bottom quartile AUM (₹210 Cr).	Bottom quartile AUM (₹485 Cr).
Point 2	Established history (10+ yrs).	Established history (18+ yrs).	Oldest track record among peers (29 yrs).	Established history (17+ yrs).	Established history (12+ yrs).
Point 3	Not Rated.	Rating: 2★ (lower mid).	Rating: 2★ (bottom quartile).	Top rated.	Rating: 3★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 25.83% (lower mid).	5Y return: 25.87% (upper mid).	5Y return: 26.24% (top quartile).	5Y return: 23.02% (bottom quartile).	5Y return: 9.97% (bottom quartile).
Point 6	3Y return: 25.60% (top quartile).	3Y return: 24.36% (upper mid).	3Y return: 22.22% (lower mid).	3Y return: 21.13% (bottom quartile).	3Y return: 20.84% (bottom quartile).
Point 7	1Y return: 1.16% (bottom quartile).	1Y return: 3.91% (lower mid).	1Y return: 9.01% (upper mid).	1Y return: 2.41% (bottom quartile).	1Y return: 16.92% (top quartile).
Point 8	Alpha: 7.18 (top quartile).	Alpha: -2.40 (bottom quartile).	Alpha: 3.05 (upper mid).	Alpha: -3.68 (bottom quartile).	Alpha: 1.78 (lower mid).
Point 9	Sharpe: -0.26 (upper mid).	Sharpe: -0.83 (bottom quartile).	Sharpe: -0.35 (lower mid).	Sharpe: -0.85 (bottom quartile).	Sharpe: 1.21 (top quartile).
Point 10	Information ratio: 0.80 (lower mid).	Information ratio: 2.12 (top quartile).	Information ratio: 1.80 (upper mid).	Information ratio: 0.80 (bottom quartile).	Information ratio: -1.13 (bottom quartile).

Motilal Oswal Long Term Equity Fund

Lower mid AUM (₹4,223 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 25.83% (lower mid).
3Y return: 25.60% (top quartile).
1Y return: 1.16% (bottom quartile).
Alpha: 7.18 (top quartile).
Sharpe: -0.26 (upper mid).
Information ratio: 0.80 (lower mid).

SBI Magnum Tax Gain Fund

Highest AUM (₹29,937 Cr).
Established history (18+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 25.87% (upper mid).
3Y return: 24.36% (upper mid).
1Y return: 3.91% (lower mid).
Alpha: -2.40 (bottom quartile).
Sharpe: -0.83 (bottom quartile).
Information ratio: 2.12 (top quartile).

HDFC Tax Saver Fund

Upper mid AUM (₹16,525 Cr).
Oldest track record among peers (29 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 26.24% (top quartile).
3Y return: 22.22% (lower mid).
1Y return: 9.01% (upper mid).
Alpha: 3.05 (upper mid).
Sharpe: -0.35 (lower mid).
Information ratio: 1.80 (upper mid).

JM Tax Gain Fund

Bottom quartile AUM (₹210 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 23.02% (bottom quartile).
3Y return: 21.13% (bottom quartile).
1Y return: 2.41% (bottom quartile).
Alpha: -3.68 (bottom quartile).
Sharpe: -0.85 (bottom quartile).
Information ratio: 0.80 (bottom quartile).

IDBI Equity Advantage Fund

Bottom quartile AUM (₹485 Cr).
Established history (12+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 9.97% (bottom quartile).
3Y return: 20.84% (bottom quartile).
1Y return: 16.92% (top quartile).
Alpha: 1.78 (lower mid).
Sharpe: 1.21 (top quartile).
Information ratio: -1.13 (bottom quartile).

Top 5 Lump sum Sector Equity Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Franklin India Opportunities Fund Growth	₹264.817 ↑ 0.75	₹7,509	5,000	4.9	11.8	8	30.8	28.1	37.3
SBI PSU Fund Growth	₹33.6696 ↓ -0.04	₹5,179	5,000	6.7	8.4	5.5	30.6	33.8	23.5
Invesco India PSU Equity Fund Growth	₹66.31 ↓ -0.12	₹1,341	5,000	6	9.7	5.5	30.1	31.4	25.6
LIC MF Infrastructure Fund Growth	₹51.1156 ↑ 0.08	₹995	5,000	3.3	15.6	3.9	28.9	31.7	47.8
HDFC Infrastructure Fund Growth	₹48.931 ↓ -0.09	₹2,483	5,000	2.7	9.5	3.8	28.8	35.6	23
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Oct 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Franklin India Opportunities Fund	SBI PSU Fund	Invesco India PSU Equity Fund	LIC MF Infrastructure Fund	HDFC Infrastructure Fund
Point 1	Highest AUM (₹7,509 Cr).	Upper mid AUM (₹5,179 Cr).	Bottom quartile AUM (₹1,341 Cr).	Bottom quartile AUM (₹995 Cr).	Lower mid AUM (₹2,483 Cr).
Point 2	Oldest track record among peers (25 yrs).	Established history (15+ yrs).	Established history (15+ yrs).	Established history (17+ yrs).	Established history (17+ yrs).
Point 3	Top rated.	Rating: 2★ (bottom quartile).	Rating: 3★ (upper mid).	Not Rated.	Rating: 3★ (lower mid).
Point 4	Risk profile: Moderately High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 28.15% (bottom quartile).	5Y return: 33.77% (upper mid).	5Y return: 31.38% (bottom quartile).	5Y return: 31.71% (lower mid).	5Y return: 35.59% (top quartile).
Point 6	3Y return: 30.83% (top quartile).	3Y return: 30.64% (upper mid).	3Y return: 30.11% (lower mid).	3Y return: 28.90% (bottom quartile).	3Y return: 28.81% (bottom quartile).
Point 7	1Y return: 8.00% (top quartile).	1Y return: 5.49% (upper mid).	1Y return: 5.46% (lower mid).	1Y return: 3.93% (bottom quartile).	1Y return: 3.77% (bottom quartile).
Point 8	Alpha: 2.40 (upper mid).	Alpha: -0.35 (bottom quartile).	Alpha: 5.81 (top quartile).	Alpha: -1.71 (bottom quartile).	Alpha: 0.00 (lower mid).
Point 9	Sharpe: -0.43 (top quartile).	Sharpe: -0.81 (bottom quartile).	Sharpe: -0.58 (lower mid).	Sharpe: -0.46 (upper mid).	Sharpe: -0.64 (bottom quartile).
Point 10	Information ratio: 1.75 (top quartile).	Information ratio: -0.37 (bottom quartile).	Information ratio: -0.46 (bottom quartile).	Information ratio: 0.34 (upper mid).	Information ratio: 0.00 (lower mid).

Franklin India Opportunities Fund

Highest AUM (₹7,509 Cr).
Oldest track record among peers (25 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 28.15% (bottom quartile).
3Y return: 30.83% (top quartile).
1Y return: 8.00% (top quartile).
Alpha: 2.40 (upper mid).
Sharpe: -0.43 (top quartile).
Information ratio: 1.75 (top quartile).

SBI PSU Fund

Upper mid AUM (₹5,179 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 33.77% (upper mid).
3Y return: 30.64% (upper mid).
1Y return: 5.49% (upper mid).
Alpha: -0.35 (bottom quartile).
Sharpe: -0.81 (bottom quartile).
Information ratio: -0.37 (bottom quartile).

Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,341 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 31.38% (bottom quartile).
3Y return: 30.11% (lower mid).
1Y return: 5.46% (lower mid).
Alpha: 5.81 (top quartile).
Sharpe: -0.58 (lower mid).
Information ratio: -0.46 (bottom quartile).

LIC MF Infrastructure Fund

Bottom quartile AUM (₹995 Cr).
Established history (17+ yrs).
Not Rated.
Risk profile: High.
5Y return: 31.71% (lower mid).
3Y return: 28.90% (bottom quartile).
1Y return: 3.93% (bottom quartile).
Alpha: -1.71 (bottom quartile).
Sharpe: -0.46 (upper mid).
Information ratio: 0.34 (upper mid).

HDFC Infrastructure Fund

Lower mid AUM (₹2,483 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 35.59% (top quartile).
3Y return: 28.81% (bottom quartile).
1Y return: 3.77% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.64 (bottom quartile).
Information ratio: 0.00 (lower mid).

Below are the top ranked funds from debt category like liquid, ultra short, short term, gilt, credit risk and corporate debt funds.

Top 5 Lump sum Ultra Short Term Debt Mutual Funds

Ultra short term funds are good investment for 6-12 months period with low risk stable returns as they invest corpus in short term debt instruments with maturities ranging between 6 - 12 months.

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹560.724 ↑ 0.11	₹21,521	1,000	1.5	3.5	7.7	7.5	7.9	6.76%	5M 8D	6M 11D
ICICI Prudential Ultra Short Term Fund Growth	₹28.2988 ↑ 0.01	₹16,980	5,000	1.5	3.3	7.3	7.2	7.5	6.66%	4M 20D	7M 2D
SBI Magnum Ultra Short Duration Fund Growth	₹6,099.28 ↑ 0.88	₹15,525	5,000	1.5	3.2	7.1	7.2	7.4	6.22%	5M 8D	6M
Invesco India Ultra Short Term Fund Growth	₹2,751.39 ↑ 0.41	₹1,330	5,000	1.4	3.1	7.1	7	7.5	6.35%	5M 16D	5M 28D
Kotak Savings Fund Growth	₹43.7494 ↑ 0.01	₹15,667	5,000	1.4	3.2	7	7	7.2	6.41%	5M 8D	5M 23D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Oct 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Savings Fund	ICICI Prudential Ultra Short Term Fund	SBI Magnum Ultra Short Duration Fund	Invesco India Ultra Short Term Fund	Kotak Savings Fund
Point 1	Highest AUM (₹21,521 Cr).	Upper mid AUM (₹16,980 Cr).	Bottom quartile AUM (₹15,525 Cr).	Bottom quartile AUM (₹1,330 Cr).	Lower mid AUM (₹15,667 Cr).
Point 2	Established history (22+ yrs).	Established history (14+ yrs).	Oldest track record among peers (26 yrs).	Established history (14+ yrs).	Established history (21+ yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Low.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	1Y return: 7.69% (top quartile).	1Y return: 7.28% (upper mid).	1Y return: 7.14% (lower mid).	1Y return: 7.06% (bottom quartile).	1Y return: 7.01% (bottom quartile).
Point 6	1M return: 0.57% (top quartile).	1M return: 0.53% (upper mid).	1M return: 0.52% (bottom quartile).	1M return: 0.49% (bottom quartile).	1M return: 0.52% (lower mid).
Point 7	Sharpe: 3.66 (top quartile).	Sharpe: 2.88 (upper mid).	Sharpe: 2.74 (bottom quartile).	Sharpe: 2.79 (lower mid).	Sharpe: 2.02 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.76% (top quartile).	Yield to maturity (debt): 6.66% (upper mid).	Yield to maturity (debt): 6.22% (bottom quartile).	Yield to maturity (debt): 6.35% (bottom quartile).	Yield to maturity (debt): 6.41% (lower mid).
Point 10	Modified duration: 0.44 yrs (upper mid).	Modified duration: 0.39 yrs (top quartile).	Modified duration: 0.44 yrs (lower mid).	Modified duration: 0.46 yrs (bottom quartile).	Modified duration: 0.44 yrs (bottom quartile).

Aditya Birla Sun Life Savings Fund

Highest AUM (₹21,521 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.69% (top quartile).
1M return: 0.57% (top quartile).
Sharpe: 3.66 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.76% (top quartile).
Modified duration: 0.44 yrs (upper mid).

ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹16,980 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.28% (upper mid).
1M return: 0.53% (upper mid).
Sharpe: 2.88 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.66% (upper mid).
Modified duration: 0.39 yrs (top quartile).

SBI Magnum Ultra Short Duration Fund

Bottom quartile AUM (₹15,525 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 7.14% (lower mid).
1M return: 0.52% (bottom quartile).
Sharpe: 2.74 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.22% (bottom quartile).
Modified duration: 0.44 yrs (lower mid).

Invesco India Ultra Short Term Fund

Bottom quartile AUM (₹1,330 Cr).
Established history (14+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.06% (bottom quartile).
1M return: 0.49% (bottom quartile).
Sharpe: 2.79 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.35% (bottom quartile).
Modified duration: 0.46 yrs (bottom quartile).

Kotak Savings Fund

Lower mid AUM (₹15,667 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.01% (bottom quartile).
1M return: 0.52% (lower mid).
Sharpe: 2.02 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.41% (lower mid).
Modified duration: 0.44 yrs (bottom quartile).

Top 5 Lump sum Short Term Debt Mutual Funds

Short term funds are good investment for 1-2 year period with low risk stable returns as they invest corpus in debt instruments with maturities ranging between 1 - 3 Year.

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Sundaram Short Term Debt Fund Growth	₹36.3802 ↑ 0.01	₹362	5,000	0.8	11.4	12.8	5.3		4.52%	1Y 2M 13D	1Y 7M 3D
Axis Short Term Fund Growth	₹31.6584 ↑ 0.00	₹12,129	5,000	1.4	3.4	8.6	7.8	8	6.89%	2Y 5M 23D	3Y 2M 12D
Nippon India Short Term Fund Growth	₹54.0444 ↓ -0.02	₹8,935	5,000	1.4	3.3	8.4	7.8	8	7.04%	2Y 6M 18D	3Y 2M 19D
SBI Short Term Debt Fund Growth	₹32.867 ↑ 0.00	₹16,387	5,000	1.4	3.2	8.2	7.6	7.7	7.02%	2Y 9M 14D	3Y 5M 26D
HDFC Short Term Debt Fund Growth	₹32.771 ↑ 0.00	₹17,999	5,000	1.4	3.3	8.2	7.9	8.3	6.94%	2Y 3M 7D	3Y 5M 12D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Dec 21

Research Highlights & Commentary of 5 Funds showcased

Commentary	Sundaram Short Term Debt Fund	Axis Short Term Fund	Nippon India Short Term Fund	SBI Short Term Debt Fund	HDFC Short Term Debt Fund
Point 1	Bottom quartile AUM (₹362 Cr).	Lower mid AUM (₹12,129 Cr).	Bottom quartile AUM (₹8,935 Cr).	Upper mid AUM (₹16,387 Cr).	Highest AUM (₹17,999 Cr).
Point 2	Oldest track record among peers (23 yrs).	Established history (15+ yrs).	Established history (22+ yrs).	Established history (18+ yrs).	Established history (15+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Rating: 3★ (upper mid).	Top rated.	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.
Point 5	1Y return: 12.83% (top quartile).	1Y return: 8.58% (upper mid).	1Y return: 8.45% (lower mid).	1Y return: 8.24% (bottom quartile).	1Y return: 8.22% (bottom quartile).
Point 6	1M return: 0.20% (bottom quartile).	1M return: 0.72% (lower mid).	1M return: 0.82% (top quartile).	1M return: 0.69% (bottom quartile).	1M return: 0.76% (upper mid).
Point 7	Sharpe: 0.98 (bottom quartile).	Sharpe: 1.56 (top quartile).	Sharpe: 1.26 (lower mid).	Sharpe: 1.26 (bottom quartile).	Sharpe: 1.33 (upper mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 4.52% (bottom quartile).	Yield to maturity (debt): 6.89% (bottom quartile).	Yield to maturity (debt): 7.04% (top quartile).	Yield to maturity (debt): 7.02% (upper mid).	Yield to maturity (debt): 6.94% (lower mid).
Point 10	Modified duration: 1.20 yrs (top quartile).	Modified duration: 2.48 yrs (lower mid).	Modified duration: 2.55 yrs (bottom quartile).	Modified duration: 2.79 yrs (bottom quartile).	Modified duration: 2.27 yrs (upper mid).

Sundaram Short Term Debt Fund

Bottom quartile AUM (₹362 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 12.83% (top quartile).
1M return: 0.20% (bottom quartile).
Sharpe: 0.98 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 4.52% (bottom quartile).
Modified duration: 1.20 yrs (top quartile).

Axis Short Term Fund

Lower mid AUM (₹12,129 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 8.58% (upper mid).
1M return: 0.72% (lower mid).
Sharpe: 1.56 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.89% (bottom quartile).
Modified duration: 2.48 yrs (lower mid).

Nippon India Short Term Fund

Bottom quartile AUM (₹8,935 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 8.45% (lower mid).
1M return: 0.82% (top quartile).
Sharpe: 1.26 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.04% (top quartile).
Modified duration: 2.55 yrs (bottom quartile).

SBI Short Term Debt Fund

Upper mid AUM (₹16,387 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.24% (bottom quartile).
1M return: 0.69% (bottom quartile).
Sharpe: 1.26 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.02% (upper mid).
Modified duration: 2.79 yrs (bottom quartile).

HDFC Short Term Debt Fund

Highest AUM (₹17,999 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.22% (bottom quartile).
1M return: 0.76% (upper mid).
Sharpe: 1.33 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.94% (lower mid).
Modified duration: 2.27 yrs (upper mid).

Top 5 Lump sum Liquid Mutual Funds

Liquid Funds are good investment for a day to 90 days period with low risk stable returns as they invest corpus in money market debt instruments with maturities ranging between a week to 3 months.

Fund	NAV	Net Assets (Cr)	Min Investment	1 MO (%)	3 MO (%)	6 MO (%)	1 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Axis Liquid Fund Growth	₹2,962.9 ↑ 0.43	₹37,122	500	0.5	1.4	3	6.8	7.4	5.9%	1M 9D	1M 11D
Edelweiss Liquid Fund Growth	₹3,402.67 ↑ 0.48	₹10,218	5,000	0.5	1.4	3	6.7	7.3	5.83%	1M 10D	1M 10D
Canara Robeco Liquid Growth	₹3,202.8 ↑ 0.45	₹8,310	5,000	0.5	1.4	3	6.7	7.4	5.82%	1M 1D	1M 3D
Tata Liquid Fund Growth	₹4,190.78 ↑ 0.61	₹20,404	5,000	0.5	1.4	3	6.7	7.3	5.94%	1M 9D	1M 9D
UTI Liquid Cash Plan Growth	₹4,365.3 ↑ 0.63	₹25,037	500	0.5	1.4	3	6.7	7.3	5.93%	1M 6D	1M 6D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Oct 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Axis Liquid Fund	Edelweiss Liquid Fund	Canara Robeco Liquid	Tata Liquid Fund	UTI Liquid Cash Plan
Point 1	Highest AUM (₹37,122 Cr).	Bottom quartile AUM (₹10,218 Cr).	Bottom quartile AUM (₹8,310 Cr).	Lower mid AUM (₹20,404 Cr).	Upper mid AUM (₹25,037 Cr).
Point 2	Established history (16+ yrs).	Established history (18+ yrs).	Established history (17+ yrs).	Oldest track record among peers (21 yrs).	Established history (21+ yrs).
Point 3	Top rated.	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 6.75% (top quartile).	1Y return: 6.73% (upper mid).	1Y return: 6.73% (lower mid).	1Y return: 6.71% (bottom quartile).	1Y return: 6.71% (bottom quartile).
Point 6	1M return: 0.49% (upper mid).	1M return: 0.49% (top quartile).	1M return: 0.49% (lower mid).	1M return: 0.49% (bottom quartile).	1M return: 0.49% (bottom quartile).
Point 7	Sharpe: 3.41 (bottom quartile).	Sharpe: 3.91 (top quartile).	Sharpe: 3.48 (lower mid).	Sharpe: 3.56 (upper mid).	Sharpe: 3.40 (bottom quartile).
Point 8	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.08 (top quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 5.90% (lower mid).	Yield to maturity (debt): 5.83% (bottom quartile).	Yield to maturity (debt): 5.82% (bottom quartile).	Yield to maturity (debt): 5.94% (top quartile).	Yield to maturity (debt): 5.93% (upper mid).
Point 10	Modified duration: 0.11 yrs (lower mid).	Modified duration: 0.11 yrs (bottom quartile).	Modified duration: 0.09 yrs (top quartile).	Modified duration: 0.11 yrs (bottom quartile).	Modified duration: 0.10 yrs (upper mid).

Axis Liquid Fund

Highest AUM (₹37,122 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.75% (top quartile).
1M return: 0.49% (upper mid).
Sharpe: 3.41 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 5.90% (lower mid).
Modified duration: 0.11 yrs (lower mid).

Edelweiss Liquid Fund

Bottom quartile AUM (₹10,218 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.73% (upper mid).
1M return: 0.49% (top quartile).
Sharpe: 3.91 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 5.83% (bottom quartile).
Modified duration: 0.11 yrs (bottom quartile).

Canara Robeco Liquid

Bottom quartile AUM (₹8,310 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.73% (lower mid).
1M return: 0.49% (lower mid).
Sharpe: 3.48 (lower mid).
Information ratio: 0.08 (top quartile).
Yield to maturity (debt): 5.82% (bottom quartile).
Modified duration: 0.09 yrs (top quartile).

Tata Liquid Fund

Lower mid AUM (₹20,404 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.71% (bottom quartile).
1M return: 0.49% (bottom quartile).
Sharpe: 3.56 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.94% (top quartile).
Modified duration: 0.11 yrs (bottom quartile).

UTI Liquid Cash Plan

Upper mid AUM (₹25,037 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.71% (bottom quartile).
1M return: 0.49% (bottom quartile).
Sharpe: 3.40 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.93% (upper mid).
Modified duration: 0.10 yrs (upper mid).

Top 5 Lump sum GILT Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
ICICI Prudential Gilt Fund Growth	₹104.035 ↓ -0.23	₹9,145	5,000	0.5	1.5	7.6	7.9	8.2	7.21%	6Y 2M 5D	17Y 1M 28D
Axis Gilt Fund Growth	₹25.6865 ↓ -0.10	₹613	5,000	0.6	-0.3	6.1	7.6	10	7.11%	8Y 7M 28D	20Y 18D
DSP Government Securities Fund Growth	₹95.8013 ↓ -0.50	₹1,494	1,000	0.2	-0.9	5.1	7.6	10.1	7.22%	9Y 6M 14D	25Y 8M 1D
SBI Magnum Gilt Fund Growth	₹66.2524 ↓ -0.20	₹11,322	5,000	0.5	-0.6	5.5	7.6	8.9	7.12%	9Y 4M 13D	19Y 10M 6D
HDFC Gilt Fund Growth	₹55.6149 ↓ -0.16	₹2,919	5,000	0.2	-0.1	6	7.4	8.7	7.05%	7Y 11M 26D	20Y 25D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Oct 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Gilt Fund	Axis Gilt Fund	DSP Government Securities Fund	SBI Magnum Gilt Fund	HDFC Gilt Fund
Point 1	Upper mid AUM (₹9,145 Cr).	Bottom quartile AUM (₹613 Cr).	Bottom quartile AUM (₹1,494 Cr).	Highest AUM (₹11,322 Cr).	Lower mid AUM (₹2,919 Cr).
Point 2	Oldest track record among peers (26 yrs).	Established history (13+ yrs).	Established history (26+ yrs).	Established history (24+ yrs).	Established history (24+ yrs).
Point 3	Top rated.	Rating: 1★ (bottom quartile).	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 7.56% (top quartile).	1Y return: 6.06% (upper mid).	1Y return: 5.09% (bottom quartile).	1Y return: 5.51% (bottom quartile).	1Y return: 6.04% (lower mid).
Point 6	1M return: 0.45% (bottom quartile).	1M return: 0.70% (top quartile).	1M return: 0.36% (bottom quartile).	1M return: 0.57% (upper mid).	1M return: 0.56% (lower mid).
Point 7	Sharpe: 0.13 (top quartile).	Sharpe: -0.27 (upper mid).	Sharpe: -0.36 (bottom quartile).	Sharpe: -0.41 (bottom quartile).	Sharpe: -0.31 (lower mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.21% (upper mid).	Yield to maturity (debt): 7.11% (bottom quartile).	Yield to maturity (debt): 7.22% (top quartile).	Yield to maturity (debt): 7.12% (lower mid).	Yield to maturity (debt): 7.05% (bottom quartile).
Point 10	Modified duration: 6.18 yrs (top quartile).	Modified duration: 8.66 yrs (lower mid).	Modified duration: 9.54 yrs (bottom quartile).	Modified duration: 9.37 yrs (bottom quartile).	Modified duration: 7.99 yrs (upper mid).

ICICI Prudential Gilt Fund

Upper mid AUM (₹9,145 Cr).
Oldest track record among peers (26 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 7.56% (top quartile).
1M return: 0.45% (bottom quartile).
Sharpe: 0.13 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.21% (upper mid).
Modified duration: 6.18 yrs (top quartile).

Axis Gilt Fund

Bottom quartile AUM (₹613 Cr).
Established history (13+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.06% (upper mid).
1M return: 0.70% (top quartile).
Sharpe: -0.27 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.11% (bottom quartile).
Modified duration: 8.66 yrs (lower mid).

DSP Government Securities Fund

Bottom quartile AUM (₹1,494 Cr).
Established history (26+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 5.09% (bottom quartile).
1M return: 0.36% (bottom quartile).
Sharpe: -0.36 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.22% (top quartile).
Modified duration: 9.54 yrs (bottom quartile).

SBI Magnum Gilt Fund

Highest AUM (₹11,322 Cr).
Established history (24+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 5.51% (bottom quartile).
1M return: 0.57% (upper mid).
Sharpe: -0.41 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.12% (lower mid).
Modified duration: 9.37 yrs (bottom quartile).

HDFC Gilt Fund

Lower mid AUM (₹2,919 Cr).
Established history (24+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.04% (lower mid).
1M return: 0.56% (lower mid).
Sharpe: -0.31 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.05% (bottom quartile).
Modified duration: 7.99 yrs (upper mid).

Top 5 Lump sum Corporate Bond Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Nippon India Prime Debt Fund Growth	₹61.3308 ↓ -0.04	₹10,042	1,000	1.2	3	8.4	8.1	8.4	6.81%	3Y 6M 7D	4Y 7M 20D
BNP Paribas Corporate Bond Fund Growth	₹28.1742 ↑ 0.01	₹429	5,000	1.4	3.4	8.8	8.1	8.3	6.9%	3Y 5M 19D	4Y 6M 25D
Aditya Birla Sun Life Corporate Bond Fund Growth	₹115.111 ↓ -0.12	₹28,109	1,000	1.2	2.6	7.9	7.9	8.5	7.21%	4Y 8M 8D	7Y 3M
HDFC Corporate Bond Fund Growth	₹33.2175 ↓ -0.02	₹35,700	5,000	1.2	2.8	7.9	7.9	8.6	7.06%	4Y 2M 1D	4Y 4M 28D
ICICI Prudential Corporate Bond Fund Growth	₹30.5413 ↑ 0.00	₹33,574	5,000	1.4	3.3	8.3	7.9	8	7%	3Y 18D	5Y 9M 18D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Oct 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Nippon India Prime Debt Fund	BNP Paribas Corporate Bond Fund	Aditya Birla Sun Life Corporate Bond Fund	HDFC Corporate Bond Fund	ICICI Prudential Corporate Bond Fund
Point 1	Bottom quartile AUM (₹10,042 Cr).	Bottom quartile AUM (₹429 Cr).	Lower mid AUM (₹28,109 Cr).	Highest AUM (₹35,700 Cr).	Upper mid AUM (₹33,574 Cr).
Point 2	Established history (25+ yrs).	Established history (16+ yrs).	Oldest track record among peers (28 yrs).	Established history (15+ yrs).	Established history (16+ yrs).
Point 3	Rating: 4★ (lower mid).	Rating: 3★ (bottom quartile).	Top rated.	Rating: 5★ (upper mid).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.
Point 5	1Y return: 8.39% (upper mid).	1Y return: 8.78% (top quartile).	1Y return: 7.91% (bottom quartile).	1Y return: 7.90% (bottom quartile).	1Y return: 8.31% (lower mid).
Point 6	1M return: 0.79% (lower mid).	1M return: 0.78% (bottom quartile).	1M return: 0.82% (top quartile).	1M return: 0.82% (upper mid).	1M return: 0.73% (bottom quartile).
Point 7	Sharpe: 1.00 (lower mid).	Sharpe: 1.16 (upper mid).	Sharpe: 0.66 (bottom quartile).	Sharpe: 0.68 (bottom quartile).	Sharpe: 1.36 (top quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.81% (bottom quartile).	Yield to maturity (debt): 6.90% (bottom quartile).	Yield to maturity (debt): 7.21% (top quartile).	Yield to maturity (debt): 7.06% (upper mid).	Yield to maturity (debt): 7.00% (lower mid).
Point 10	Modified duration: 3.52 yrs (lower mid).	Modified duration: 3.47 yrs (upper mid).	Modified duration: 4.69 yrs (bottom quartile).	Modified duration: 4.17 yrs (bottom quartile).	Modified duration: 3.05 yrs (top quartile).

Nippon India Prime Debt Fund

Bottom quartile AUM (₹10,042 Cr).
Established history (25+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.39% (upper mid).
1M return: 0.79% (lower mid).
Sharpe: 1.00 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 3.52 yrs (lower mid).

BNP Paribas Corporate Bond Fund

Bottom quartile AUM (₹429 Cr).
Established history (16+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.78% (top quartile).
1M return: 0.78% (bottom quartile).
Sharpe: 1.16 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.90% (bottom quartile).
Modified duration: 3.47 yrs (upper mid).

Aditya Birla Sun Life Corporate Bond Fund

Lower mid AUM (₹28,109 Cr).
Oldest track record among peers (28 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.91% (bottom quartile).
1M return: 0.82% (top quartile).
Sharpe: 0.66 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.21% (top quartile).
Modified duration: 4.69 yrs (bottom quartile).

HDFC Corporate Bond Fund

Highest AUM (₹35,700 Cr).
Established history (15+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.90% (bottom quartile).
1M return: 0.82% (upper mid).
Sharpe: 0.68 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.06% (upper mid).
Modified duration: 4.17 yrs (bottom quartile).

ICICI Prudential Corporate Bond Fund

Upper mid AUM (₹33,574 Cr).
Established history (16+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.31% (lower mid).
1M return: 0.73% (bottom quartile).
Sharpe: 1.36 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.00% (lower mid).
Modified duration: 3.05 yrs (top quartile).

Top 5 Lump sum Credit Risk Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
DSP Credit Risk Fund Growth	₹50.4167 ↓ -0.02	₹207	1,000	1.1	3.4	21.6	14.9	7.8	6.99%	1Y 10M 28D	2Y 7M 6D
Franklin India Credit Risk Fund Growth	₹25.3348 ↑ 0.04	₹104	5,000	2.9	5	7.5	11		0%
Aditya Birla Sun Life Credit Risk Fund Growth	₹23.0582 ↑ 0.00	₹1,044	1,000	2.1	4.9	13.4	10.8	11.9	7.78%	2Y 1M 6D	3Y 1M 13D
Invesco India Credit Risk Fund Growth	₹1,964.12 ↓ -1.29	₹152	5,000	1.1	2.6	9.4	9.4	7.3	6.81%	2Y 4M 10D	3Y 1M 28D
Nippon India Credit Risk Fund Growth	₹35.9812 ↓ 0.00	₹990	500	1.7	4.2	9.3	8.5	8.3	8.28%	1Y 11M 12D	2Y 3M 25D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Oct 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP Credit Risk Fund	Franklin India Credit Risk Fund	Aditya Birla Sun Life Credit Risk Fund	Invesco India Credit Risk Fund	Nippon India Credit Risk Fund
Point 1	Lower mid AUM (₹207 Cr).	Bottom quartile AUM (₹104 Cr).	Highest AUM (₹1,044 Cr).	Bottom quartile AUM (₹152 Cr).	Upper mid AUM (₹990 Cr).
Point 2	Oldest track record among peers (22 yrs).	Established history (13+ yrs).	Established history (10+ yrs).	Established history (11+ yrs).	Established history (20+ yrs).
Point 3	Top rated.	Rating: 1★ (bottom quartile).	Not Rated.	Rating: 4★ (upper mid).	Rating: 2★ (lower mid).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 21.62% (top quartile).	1Y return: 7.45% (bottom quartile).	1Y return: 13.45% (upper mid).	1Y return: 9.40% (lower mid).	1Y return: 9.32% (bottom quartile).
Point 6	1M return: 0.56% (bottom quartile).	1M return: 0.91% (upper mid).	1M return: 0.95% (top quartile).	1M return: 0.57% (bottom quartile).	1M return: 0.75% (lower mid).
Point 7	Sharpe: 1.56 (lower mid).	Sharpe: 0.29 (bottom quartile).	Sharpe: 2.29 (upper mid).	Sharpe: 1.11 (bottom quartile).	Sharpe: 2.73 (top quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.99% (lower mid).	Yield to maturity (debt): 0.00% (bottom quartile).	Yield to maturity (debt): 7.78% (upper mid).	Yield to maturity (debt): 6.81% (bottom quartile).	Yield to maturity (debt): 8.28% (top quartile).
Point 10	Modified duration: 1.91 yrs (upper mid).	Modified duration: 0.00 yrs (top quartile).	Modified duration: 2.10 yrs (bottom quartile).	Modified duration: 2.36 yrs (bottom quartile).	Modified duration: 1.95 yrs (lower mid).

DSP Credit Risk Fund

Lower mid AUM (₹207 Cr).
Oldest track record among peers (22 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 21.62% (top quartile).
1M return: 0.56% (bottom quartile).
Sharpe: 1.56 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.99% (lower mid).
Modified duration: 1.91 yrs (upper mid).

Franklin India Credit Risk Fund

Bottom quartile AUM (₹104 Cr).
Established history (13+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.45% (bottom quartile).
1M return: 0.91% (upper mid).
Sharpe: 0.29 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 0.00% (bottom quartile).
Modified duration: 0.00 yrs (top quartile).

Aditya Birla Sun Life Credit Risk Fund

Highest AUM (₹1,044 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 13.45% (upper mid).
1M return: 0.95% (top quartile).
Sharpe: 2.29 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.78% (upper mid).
Modified duration: 2.10 yrs (bottom quartile).

Invesco India Credit Risk Fund

Bottom quartile AUM (₹152 Cr).
Established history (11+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 9.40% (lower mid).
1M return: 0.57% (bottom quartile).
Sharpe: 1.11 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 2.36 yrs (bottom quartile).

Nippon India Credit Risk Fund

Upper mid AUM (₹990 Cr).
Established history (20+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderate.
1Y return: 9.32% (bottom quartile).
1M return: 0.75% (lower mid).
Sharpe: 2.73 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.28% (top quartile).
Modified duration: 1.95 yrs (lower mid).

Below are the top ranked funds from difference categories like. Aggresive, Conservative, Arbitrage, Dynamic Allocation, Multi Asset, Equity Savings and solution oriented Hybrid schemes.

Top 5 Lump sum Balanced Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
JM Equity Hybrid Fund Growth	₹123.21 ↓ -0.18	₹804	5,000	2.8	6.4	-1.2	20.6	21.5	27
UTI Multi Asset Fund Growth	₹77.5665 ↓ -0.21	₹5,941	5,000	5.4	7.8	8	20.2	16.3	20.7
ICICI Prudential Multi-Asset Fund Growth	₹803.87 ↑ 4.80	₹64,770	5,000	6.7	9.3	13.1	20.1	25.7	16.1
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹38.5 ↑ 0.22	₹1,253	5,000	1	8.1	2.8	19.8	22.8	25.8
ICICI Prudential Equity and Debt Fund Growth	₹409.11 ↓ -2.32	₹45,168	5,000	5.5	8.2	10.2	19.8	26.8	17.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Oct 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	JM Equity Hybrid Fund	UTI Multi Asset Fund	ICICI Prudential Multi-Asset Fund	BOI AXA Mid and Small Cap Equity and Debt Fund	ICICI Prudential Equity and Debt Fund
Point 1	Bottom quartile AUM (₹804 Cr).	Lower mid AUM (₹5,941 Cr).	Highest AUM (₹64,770 Cr).	Bottom quartile AUM (₹1,253 Cr).	Upper mid AUM (₹45,168 Cr).
Point 2	Oldest track record among peers (30 yrs).	Established history (17+ yrs).	Established history (23+ yrs).	Established history (9+ yrs).	Established history (26+ yrs).
Point 3	Rating: 1★ (lower mid).	Rating: 1★ (bottom quartile).	Rating: 2★ (upper mid).	Not Rated.	Top rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 21.46% (bottom quartile).	5Y return: 16.31% (bottom quartile).	5Y return: 25.72% (upper mid).	5Y return: 22.83% (lower mid).	5Y return: 26.79% (top quartile).
Point 6	3Y return: 20.61% (top quartile).	3Y return: 20.17% (upper mid).	3Y return: 20.08% (lower mid).	3Y return: 19.79% (bottom quartile).	3Y return: 19.78% (bottom quartile).
Point 7	1Y return: -1.24% (bottom quartile).	1Y return: 8.02% (lower mid).	1Y return: 13.08% (top quartile).	1Y return: 2.78% (bottom quartile).	1Y return: 10.15% (upper mid).
Point 8	1M return: 3.91% (upper mid).	1M return: 4.33% (top quartile).	1M return: 3.71% (lower mid).	1M return: 3.02% (bottom quartile).	1M return: 3.54% (bottom quartile).
Point 9	Alpha: -8.63 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 2.96 (top quartile).
Point 10	Sharpe: -1.21 (bottom quartile).	Sharpe: -0.52 (lower mid).	Sharpe: 0.08 (top quartile).	Sharpe: -0.64 (bottom quartile).	Sharpe: -0.29 (upper mid).

JM Equity Hybrid Fund

Bottom quartile AUM (₹804 Cr).
Oldest track record among peers (30 yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 21.46% (bottom quartile).
3Y return: 20.61% (top quartile).
1Y return: -1.24% (bottom quartile).
1M return: 3.91% (upper mid).
Alpha: -8.63 (bottom quartile).
Sharpe: -1.21 (bottom quartile).

UTI Multi Asset Fund

Lower mid AUM (₹5,941 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.31% (bottom quartile).
3Y return: 20.17% (upper mid).
1Y return: 8.02% (lower mid).
1M return: 4.33% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.52 (lower mid).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹64,770 Cr).
Established history (23+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 25.72% (upper mid).
3Y return: 20.08% (lower mid).
1Y return: 13.08% (top quartile).
1M return: 3.71% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.08 (top quartile).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,253 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 22.83% (lower mid).
3Y return: 19.79% (bottom quartile).
1Y return: 2.78% (bottom quartile).
1M return: 3.02% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.64 (bottom quartile).

ICICI Prudential Equity and Debt Fund

Upper mid AUM (₹45,168 Cr).
Established history (26+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 26.79% (top quartile).
3Y return: 19.78% (bottom quartile).
1Y return: 10.15% (upper mid).
1M return: 3.54% (bottom quartile).
Alpha: 2.96 (top quartile).
Sharpe: -0.29 (upper mid).

Top 5 Lump sum Aggressive Hybrid Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
JM Equity Hybrid Fund Growth	₹123.21 ↓ -0.18	₹804	5,000	2.8	6.4	-1.2	20.6	21.5	27
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹38.5 ↑ 0.22	₹1,253	5,000	1	8.1	2.8	19.8	22.8	25.8
ICICI Prudential Equity and Debt Fund Growth	₹409.11 ↓ -2.32	₹45,168	5,000	5.5	8.2	10.2	19.8	26.8	17.2
UTI Hybrid Equity Fund Growth	₹411.886 ↓ -1.34	₹6,302	1,000	2.3	5.7	4.4	16.8	20.3	19.7
DSP Equity and Bond Fund Growth	₹363.145 ↓ -2.06	₹11,333	1,000	1.9	3.7	5.9	16.8	17	17.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Oct 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	JM Equity Hybrid Fund	BOI AXA Mid and Small Cap Equity and Debt Fund	ICICI Prudential Equity and Debt Fund	UTI Hybrid Equity Fund	DSP Equity and Bond Fund
Point 1	Bottom quartile AUM (₹804 Cr).	Bottom quartile AUM (₹1,253 Cr).	Highest AUM (₹45,168 Cr).	Lower mid AUM (₹6,302 Cr).	Upper mid AUM (₹11,333 Cr).
Point 2	Oldest track record among peers (30 yrs).	Established history (9+ yrs).	Established history (26+ yrs).	Established history (30+ yrs).	Established history (26+ yrs).
Point 3	Rating: 1★ (bottom quartile).	Not Rated.	Top rated.	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 21.46% (lower mid).	5Y return: 22.83% (upper mid).	5Y return: 26.79% (top quartile).	5Y return: 20.28% (bottom quartile).	5Y return: 17.05% (bottom quartile).
Point 6	3Y return: 20.61% (top quartile).	3Y return: 19.79% (upper mid).	3Y return: 19.78% (lower mid).	3Y return: 16.82% (bottom quartile).	3Y return: 16.76% (bottom quartile).
Point 7	1Y return: -1.24% (bottom quartile).	1Y return: 2.78% (bottom quartile).	1Y return: 10.15% (top quartile).	1Y return: 4.44% (lower mid).	1Y return: 5.92% (upper mid).
Point 8	1M return: 3.91% (upper mid).	1M return: 3.02% (bottom quartile).	1M return: 3.54% (lower mid).	1M return: 3.93% (top quartile).	1M return: 3.45% (bottom quartile).
Point 9	Alpha: -8.63 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: 2.96 (top quartile).	Alpha: -2.11 (bottom quartile).	Alpha: 1.18 (upper mid).
Point 10	Sharpe: -1.21 (bottom quartile).	Sharpe: -0.64 (lower mid).	Sharpe: -0.29 (top quartile).	Sharpe: -0.80 (bottom quartile).	Sharpe: -0.47 (upper mid).

JM Equity Hybrid Fund

Bottom quartile AUM (₹804 Cr).
Oldest track record among peers (30 yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 21.46% (lower mid).
3Y return: 20.61% (top quartile).
1Y return: -1.24% (bottom quartile).
1M return: 3.91% (upper mid).
Alpha: -8.63 (bottom quartile).
Sharpe: -1.21 (bottom quartile).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,253 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 22.83% (upper mid).
3Y return: 19.79% (upper mid).
1Y return: 2.78% (bottom quartile).
1M return: 3.02% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.64 (lower mid).

ICICI Prudential Equity and Debt Fund

Highest AUM (₹45,168 Cr).
Established history (26+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 26.79% (top quartile).
3Y return: 19.78% (lower mid).
1Y return: 10.15% (top quartile).
1M return: 3.54% (lower mid).
Alpha: 2.96 (top quartile).
Sharpe: -0.29 (top quartile).

UTI Hybrid Equity Fund

Lower mid AUM (₹6,302 Cr).
Established history (30+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 20.28% (bottom quartile).
3Y return: 16.82% (bottom quartile).
1Y return: 4.44% (lower mid).
1M return: 3.93% (top quartile).
Alpha: -2.11 (bottom quartile).
Sharpe: -0.80 (bottom quartile).

DSP Equity and Bond Fund

Upper mid AUM (₹11,333 Cr).
Established history (26+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.05% (bottom quartile).
3Y return: 16.76% (bottom quartile).
1Y return: 5.92% (upper mid).
1M return: 3.45% (bottom quartile).
Alpha: 1.18 (upper mid).
Sharpe: -0.47 (upper mid).

Top 5 Lump sum Conservative Hybrid Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
JM Equity Hybrid Fund Growth	₹123.21 ↓ -0.18	₹804	5,000	2.8	6.4	-1.2	20.6	21.5	27
UTI Multi Asset Fund Growth	₹77.5665 ↓ -0.21	₹5,941	5,000	5.4	7.8	8	20.2	16.3	20.7
ICICI Prudential Multi-Asset Fund Growth	₹803.87 ↑ 4.80	₹64,770	5,000	6.7	9.3	13.1	20.1	25.7	16.1
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹38.5 ↑ 0.22	₹1,253	5,000	1	8.1	2.8	19.8	22.8	25.8
ICICI Prudential Equity and Debt Fund Growth	₹409.11 ↓ -2.32	₹45,168	5,000	5.5	8.2	10.2	19.8	26.8	17.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Oct 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	JM Equity Hybrid Fund	UTI Multi Asset Fund	ICICI Prudential Multi-Asset Fund	BOI AXA Mid and Small Cap Equity and Debt Fund	ICICI Prudential Equity and Debt Fund
Point 1	Bottom quartile AUM (₹804 Cr).	Lower mid AUM (₹5,941 Cr).	Highest AUM (₹64,770 Cr).	Bottom quartile AUM (₹1,253 Cr).	Upper mid AUM (₹45,168 Cr).
Point 2	Oldest track record among peers (30 yrs).	Established history (17+ yrs).	Established history (23+ yrs).	Established history (9+ yrs).	Established history (26+ yrs).
Point 3	Rating: 1★ (lower mid).	Rating: 1★ (bottom quartile).	Rating: 2★ (upper mid).	Not Rated.	Top rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 21.46% (bottom quartile).	5Y return: 16.31% (bottom quartile).	5Y return: 25.72% (upper mid).	5Y return: 22.83% (lower mid).	5Y return: 26.79% (top quartile).
Point 6	3Y return: 20.61% (top quartile).	3Y return: 20.17% (upper mid).	3Y return: 20.08% (lower mid).	3Y return: 19.79% (bottom quartile).	3Y return: 19.78% (bottom quartile).
Point 7	1Y return: -1.24% (bottom quartile).	1Y return: 8.02% (lower mid).	1Y return: 13.08% (top quartile).	1Y return: 2.78% (bottom quartile).	1Y return: 10.15% (upper mid).
Point 8	1M return: 3.91% (upper mid).	1M return: 4.33% (top quartile).	1M return: 3.71% (lower mid).	1M return: 3.02% (bottom quartile).	1M return: 3.54% (bottom quartile).
Point 9	Alpha: -8.63 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 2.96 (top quartile).
Point 10	Sharpe: -1.21 (bottom quartile).	Sharpe: -0.52 (lower mid).	Sharpe: 0.08 (top quartile).	Sharpe: -0.64 (bottom quartile).	Sharpe: -0.29 (upper mid).

JM Equity Hybrid Fund

Bottom quartile AUM (₹804 Cr).
Oldest track record among peers (30 yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 21.46% (bottom quartile).
3Y return: 20.61% (top quartile).
1Y return: -1.24% (bottom quartile).
1M return: 3.91% (upper mid).
Alpha: -8.63 (bottom quartile).
Sharpe: -1.21 (bottom quartile).

UTI Multi Asset Fund

Lower mid AUM (₹5,941 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.31% (bottom quartile).
3Y return: 20.17% (upper mid).
1Y return: 8.02% (lower mid).
1M return: 4.33% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.52 (lower mid).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹64,770 Cr).
Established history (23+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 25.72% (upper mid).
3Y return: 20.08% (lower mid).
1Y return: 13.08% (top quartile).
1M return: 3.71% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.08 (top quartile).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,253 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 22.83% (lower mid).
3Y return: 19.79% (bottom quartile).
1Y return: 2.78% (bottom quartile).
1M return: 3.02% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.64 (bottom quartile).

ICICI Prudential Equity and Debt Fund

Upper mid AUM (₹45,168 Cr).
Established history (26+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 26.79% (top quartile).
3Y return: 19.78% (bottom quartile).
1Y return: 10.15% (upper mid).
1M return: 3.54% (bottom quartile).
Alpha: 2.96 (top quartile).
Sharpe: -0.29 (upper mid).

Top 5 Lump sum Arbitrage Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
UTI Arbitrage Fund Growth	₹35.6797 ↑ 0.02	₹9,149	5,000	1.3	2.8	6.6	7.1	5.7	7.7
SBI Arbitrage Opportunities Fund Growth	₹34.4274 ↑ 0.02	₹41,552	5,000	1.3	2.8	6.5	7.2	5.9	7.5
Kotak Equity Arbitrage Fund Growth	₹38.1449 ↑ 0.03	₹72,274	5,000	1.3	2.7	6.5	7.2	5.9	7.8
ICICI Prudential Equity Arbitrage Fund Growth	₹34.9199 ↑ 0.02	₹32,593	5,000	1.3	2.7	6.5	7	5.7	7.6
Aditya Birla Sun Life Arbitrage Fund Growth	₹27.0355 ↑ 0.01	₹23,581	1,000	1.3	2.7	6.4	7	5.7	7.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Oct 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Arbitrage Fund	SBI Arbitrage Opportunities Fund	Kotak Equity Arbitrage Fund	ICICI Prudential Equity Arbitrage Fund	Aditya Birla Sun Life Arbitrage Fund
Point 1	Bottom quartile AUM (₹9,149 Cr).	Upper mid AUM (₹41,552 Cr).	Highest AUM (₹72,274 Cr).	Lower mid AUM (₹32,593 Cr).	Bottom quartile AUM (₹23,581 Cr).
Point 2	Established history (19+ yrs).	Established history (19+ yrs).	Oldest track record among peers (20 yrs).	Established history (18+ yrs).	Established history (16+ yrs).
Point 3	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Top rated.	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	5Y return: 5.72% (lower mid).	5Y return: 5.86% (upper mid).	5Y return: 5.88% (top quartile).	5Y return: 5.70% (bottom quartile).	5Y return: 5.66% (bottom quartile).
Point 6	3Y return: 7.10% (lower mid).	3Y return: 7.16% (upper mid).	3Y return: 7.20% (top quartile).	3Y return: 7.02% (bottom quartile).	3Y return: 6.98% (bottom quartile).
Point 7	1Y return: 6.59% (top quartile).	1Y return: 6.53% (upper mid).	1Y return: 6.47% (lower mid).	1Y return: 6.47% (bottom quartile).	1Y return: 6.44% (bottom quartile).
Point 8	1M return: 0.48% (top quartile).	1M return: 0.46% (bottom quartile).	1M return: 0.47% (bottom quartile).	1M return: 0.48% (lower mid).	1M return: 0.48% (upper mid).
Point 9	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 1.12 (top quartile).	Sharpe: 0.87 (bottom quartile).	Sharpe: 1.09 (upper mid).	Sharpe: 0.92 (lower mid).	Sharpe: 0.88 (bottom quartile).

UTI Arbitrage Fund

Bottom quartile AUM (₹9,149 Cr).
Established history (19+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
5Y return: 5.72% (lower mid).
3Y return: 7.10% (lower mid).
1Y return: 6.59% (top quartile).
1M return: 0.48% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 1.12 (top quartile).

SBI Arbitrage Opportunities Fund

Upper mid AUM (₹41,552 Cr).
Established history (19+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
5Y return: 5.86% (upper mid).
3Y return: 7.16% (upper mid).
1Y return: 6.53% (upper mid).
1M return: 0.46% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.87 (bottom quartile).

Kotak Equity Arbitrage Fund

Highest AUM (₹72,274 Cr).
Oldest track record among peers (20 yrs).
Top rated.
Risk profile: Moderately Low.
5Y return: 5.88% (top quartile).
3Y return: 7.20% (top quartile).
1Y return: 6.47% (lower mid).
1M return: 0.47% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 1.09 (upper mid).

ICICI Prudential Equity Arbitrage Fund

Lower mid AUM (₹32,593 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
5Y return: 5.70% (bottom quartile).
3Y return: 7.02% (bottom quartile).
1Y return: 6.47% (bottom quartile).
1M return: 0.48% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.92 (lower mid).

Aditya Birla Sun Life Arbitrage Fund

Bottom quartile AUM (₹23,581 Cr).
Established history (16+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
5Y return: 5.66% (bottom quartile).
3Y return: 6.98% (bottom quartile).
1Y return: 6.44% (bottom quartile).
1M return: 0.48% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.88 (bottom quartile).

Top 5 Lump sum Dynamic Allocation Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Axis Dynamic Equity Fund Growth	₹21.58 ↑ 0.09	₹3,489	5,000	3.5	4.8	6.4	14.6	13.2	17.5
ICICI Prudential Balanced Advantage Fund Growth	₹76.55 ↓ -0.31	₹65,711	5,000	4.4	7.5	10.4	13.6	14.9	12.3
Aditya Birla Sun Life Balanced Advantage Fund Growth	₹109.04 ↓ -0.24	₹8,208	1,000	2.9	5.8	8.5	13.4	14.2	13
Invesco India Dynamic Equity Fund Growth	₹54.88 ↓ -0.12	₹1,045	5,000	2.2	5.6	4.4	13.3	12.7	15.9
Edelweiss Balanced Advantage Fund Growth	₹52.21 ↓ -0.26	₹12,725	1,000	4.1	6.6	5.6	13	14.3	13.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Oct 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Axis Dynamic Equity Fund	ICICI Prudential Balanced Advantage Fund	Aditya Birla Sun Life Balanced Advantage Fund	Invesco India Dynamic Equity Fund	Edelweiss Balanced Advantage Fund
Point 1	Bottom quartile AUM (₹3,489 Cr).	Highest AUM (₹65,711 Cr).	Lower mid AUM (₹8,208 Cr).	Bottom quartile AUM (₹1,045 Cr).	Upper mid AUM (₹12,725 Cr).
Point 2	Established history (8+ yrs).	Established history (18+ yrs).	Oldest track record among peers (25 yrs).	Established history (18+ yrs).	Established history (16+ yrs).
Point 3	Not Rated.	Top rated.	Rating: 3★ (upper mid).	Rating: 2★ (lower mid).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 13.24% (bottom quartile).	5Y return: 14.86% (top quartile).	5Y return: 14.15% (lower mid).	5Y return: 12.69% (bottom quartile).	5Y return: 14.25% (upper mid).
Point 6	3Y return: 14.65% (top quartile).	3Y return: 13.63% (upper mid).	3Y return: 13.43% (lower mid).	3Y return: 13.34% (bottom quartile).	3Y return: 13.00% (bottom quartile).
Point 7	1Y return: 6.41% (lower mid).	1Y return: 10.35% (top quartile).	1Y return: 8.48% (upper mid).	1Y return: 4.44% (bottom quartile).	1Y return: 5.57% (bottom quartile).
Point 8	1M return: 3.75% (top quartile).	1M return: 2.78% (bottom quartile).	1M return: 3.43% (lower mid).	1M return: 3.40% (bottom quartile).	1M return: 3.61% (upper mid).
Point 9	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: -0.63 (bottom quartile).	Sharpe: -0.15 (top quartile).	Sharpe: -0.33 (upper mid).	Sharpe: -0.52 (lower mid).	Sharpe: -0.83 (bottom quartile).

Axis Dynamic Equity Fund

Bottom quartile AUM (₹3,489 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 13.24% (bottom quartile).
3Y return: 14.65% (top quartile).
1Y return: 6.41% (lower mid).
1M return: 3.75% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: -0.63 (bottom quartile).

ICICI Prudential Balanced Advantage Fund

Highest AUM (₹65,711 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 14.86% (top quartile).
3Y return: 13.63% (upper mid).
1Y return: 10.35% (top quartile).
1M return: 2.78% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.15 (top quartile).

Aditya Birla Sun Life Balanced Advantage Fund

Lower mid AUM (₹8,208 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 14.15% (lower mid).
3Y return: 13.43% (lower mid).
1Y return: 8.48% (upper mid).
1M return: 3.43% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.33 (upper mid).

Invesco India Dynamic Equity Fund

Bottom quartile AUM (₹1,045 Cr).
Established history (18+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 12.69% (bottom quartile).
3Y return: 13.34% (bottom quartile).
1Y return: 4.44% (bottom quartile).
1M return: 3.40% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.52 (lower mid).

Edelweiss Balanced Advantage Fund

Upper mid AUM (₹12,725 Cr).
Established history (16+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 14.25% (upper mid).
3Y return: 13.00% (bottom quartile).
1Y return: 5.57% (bottom quartile).
1M return: 3.61% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.83 (bottom quartile).

Top 5 Lump sum Multi Asset Allocation Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
UTI Multi Asset Fund Growth	₹77.5665 ↓ -0.21	₹5,941	5,000	5.4	7.8	8	20.2	16.3	20.7
ICICI Prudential Multi-Asset Fund Growth	₹803.87 ↑ 4.80	₹64,770	5,000	6.7	9.3	13.1	20.1	25.7	16.1
SBI Multi Asset Allocation Fund Growth	₹62.9935 ↓ -0.07	₹10,262	5,000	5.8	11	12.3	17.8	15.6	12.8
Edelweiss Multi Asset Allocation Fund Growth	₹65.05 ↓ -0.28	₹3,045	5,000	3.3	6.8	6.9	17.6	20.1	20.2
HDFC Multi-Asset Fund Growth	₹74.642 ↓ -0.21	₹4,715	5,000	4.9	7.7	10.4	15.2	15.9	13.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Oct 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Multi Asset Fund	ICICI Prudential Multi-Asset Fund	SBI Multi Asset Allocation Fund	Edelweiss Multi Asset Allocation Fund	HDFC Multi-Asset Fund
Point 1	Lower mid AUM (₹5,941 Cr).	Highest AUM (₹64,770 Cr).	Upper mid AUM (₹10,262 Cr).	Bottom quartile AUM (₹3,045 Cr).	Bottom quartile AUM (₹4,715 Cr).
Point 2	Established history (17+ yrs).	Oldest track record among peers (23 yrs).	Established history (19+ yrs).	Established history (16+ yrs).	Established history (20+ yrs).
Point 3	Rating: 1★ (bottom quartile).	Rating: 2★ (lower mid).	Top rated.	Rating: 1★ (bottom quartile).	Rating: 3★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderately High.	Risk profile: Moderate.
Point 5	5Y return: 16.31% (lower mid).	5Y return: 25.72% (top quartile).	5Y return: 15.64% (bottom quartile).	5Y return: 20.07% (upper mid).	5Y return: 15.92% (bottom quartile).
Point 6	3Y return: 20.17% (top quartile).	3Y return: 20.08% (upper mid).	3Y return: 17.80% (lower mid).	3Y return: 17.63% (bottom quartile).	3Y return: 15.22% (bottom quartile).
Point 7	1Y return: 8.02% (bottom quartile).	1Y return: 13.08% (top quartile).	1Y return: 12.33% (upper mid).	1Y return: 6.94% (bottom quartile).	1Y return: 10.44% (lower mid).
Point 8	1M return: 4.33% (top quartile).	1M return: 3.71% (upper mid).	1M return: 3.47% (lower mid).	1M return: 3.45% (bottom quartile).	1M return: 2.98% (bottom quartile).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 0.96 (top quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: -0.52 (bottom quartile).	Sharpe: 0.08 (top quartile).	Sharpe: -0.10 (upper mid).	Sharpe: -0.50 (bottom quartile).	Sharpe: -0.16 (lower mid).

UTI Multi Asset Fund

Lower mid AUM (₹5,941 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.31% (lower mid).
3Y return: 20.17% (top quartile).
1Y return: 8.02% (bottom quartile).
1M return: 4.33% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.52 (bottom quartile).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹64,770 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 25.72% (top quartile).
3Y return: 20.08% (upper mid).
1Y return: 13.08% (top quartile).
1M return: 3.71% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.08 (top quartile).

SBI Multi Asset Allocation Fund

Upper mid AUM (₹10,262 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 15.64% (bottom quartile).
3Y return: 17.80% (lower mid).
1Y return: 12.33% (upper mid).
1M return: 3.47% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.10 (upper mid).

Edelweiss Multi Asset Allocation Fund

Bottom quartile AUM (₹3,045 Cr).
Established history (16+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 20.07% (upper mid).
3Y return: 17.63% (bottom quartile).
1Y return: 6.94% (bottom quartile).
1M return: 3.45% (bottom quartile).
Alpha: 0.96 (top quartile).
Sharpe: -0.50 (bottom quartile).

HDFC Multi-Asset Fund

Bottom quartile AUM (₹4,715 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
5Y return: 15.92% (bottom quartile).
3Y return: 15.22% (bottom quartile).
1Y return: 10.44% (lower mid).
1M return: 2.98% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.16 (lower mid).

Top 5 Lump sum Equity Savings Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Kotak Equity Savings Fund Growth	₹27.054 ↑ 0.01	₹8,487	5,000	4	6.3	8.1	11.9	11.7	11.7
Edelweiss Equity Savings Fund Growth	₹25.9642 ↑ 0.02	₹843	5,000	2.9	5.8	9.2	11.5	11	13.4
SBI Equity Savings Fund Growth	₹24.4163 ↑ 0.06	₹5,703	1,000	2	4.8	6.1	11.3	11.8	12
HDFC Equity Savings Fund Growth	₹67.332 ↓ -0.11	₹5,691	5,000	2.6	4.6	5.7	10.5	12.8	10.3
Axis Equity Saver Fund Growth	₹22.64 ↑ 0.03	₹939	5,000	2.5	4.2	5.5	10.3	10.5	11.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Oct 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Kotak Equity Savings Fund	Edelweiss Equity Savings Fund	SBI Equity Savings Fund	HDFC Equity Savings Fund	Axis Equity Saver Fund
Point 1	Highest AUM (₹8,487 Cr).	Bottom quartile AUM (₹843 Cr).	Upper mid AUM (₹5,703 Cr).	Lower mid AUM (₹5,691 Cr).	Bottom quartile AUM (₹939 Cr).
Point 2	Established history (11+ yrs).	Established history (11+ yrs).	Established history (10+ yrs).	Oldest track record among peers (21 yrs).	Established history (10+ yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.	Top 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.
Point 5	5Y return: 11.74% (lower mid).	5Y return: 11.04% (bottom quartile).	5Y return: 11.79% (upper mid).	5Y return: 12.78% (top quartile).	5Y return: 10.47% (bottom quartile).
Point 6	3Y return: 11.90% (top quartile).	3Y return: 11.49% (upper mid).	3Y return: 11.25% (lower mid).	3Y return: 10.48% (bottom quartile).	3Y return: 10.30% (bottom quartile).
Point 7	1Y return: 8.14% (upper mid).	1Y return: 9.18% (top quartile).	1Y return: 6.15% (lower mid).	1Y return: 5.72% (bottom quartile).	1Y return: 5.50% (bottom quartile).
Point 8	1M return: 1.84% (bottom quartile).	1M return: 1.84% (bottom quartile).	1M return: 2.53% (top quartile).	1M return: 2.02% (lower mid).	1M return: 2.26% (upper mid).
Point 9	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: -0.55 (lower mid).	Sharpe: -0.01 (top quartile).	Sharpe: -0.36 (upper mid).	Sharpe: -0.76 (bottom quartile).	Sharpe: -0.77 (bottom quartile).

Kotak Equity Savings Fund

Highest AUM (₹8,487 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.74% (lower mid).
3Y return: 11.90% (top quartile).
1Y return: 8.14% (upper mid).
1M return: 1.84% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: -0.55 (lower mid).

Edelweiss Equity Savings Fund

Bottom quartile AUM (₹843 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.04% (bottom quartile).
3Y return: 11.49% (upper mid).
1Y return: 9.18% (top quartile).
1M return: 1.84% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.01 (top quartile).

SBI Equity Savings Fund

Upper mid AUM (₹5,703 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.79% (upper mid).
3Y return: 11.25% (lower mid).
1Y return: 6.15% (lower mid).
1M return: 2.53% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.36 (upper mid).

HDFC Equity Savings Fund

Lower mid AUM (₹5,691 Cr).
Oldest track record among peers (21 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 12.78% (top quartile).
3Y return: 10.48% (bottom quartile).
1Y return: 5.72% (bottom quartile).
1M return: 2.02% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.76 (bottom quartile).

Axis Equity Saver Fund

Bottom quartile AUM (₹939 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 10.47% (bottom quartile).
3Y return: 10.30% (bottom quartile).
1Y return: 5.50% (bottom quartile).
1M return: 2.26% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.77 (bottom quartile).

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
HDFC Retirement Savings Fund - Equity Plan Growth	₹52.204 ↑ 0.33	₹6,584	5,000	3.7	7.1	4.9	19.4	25	18
ICICI Prudential Child Care Plan (Gift) Growth	₹333.14 ↓ -1.02	₹1,373	5,000	1.5	9.4	8.2	18.6	19.2	16.9
HDFC Retirement Savings Fund - Hybrid - Equity Plan Growth	₹39.595 ↑ 0.17	₹1,660	5,000	2.7	6	4.3	15.6	18	14
Tata Retirement Savings Fund - Progressive Growth	₹65.9815 ↓ -0.20	₹2,047	5,000	1.8	6.8	2.3	16.1	16.1	21.7
Tata Retirement Savings Fund-Moderate Growth	₹65.282 ↓ -0.18	₹2,115	5,000	2.1	6.6	4	15.1	15.1	19.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Oct 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	HDFC Retirement Savings Fund - Equity Plan	ICICI Prudential Child Care Plan (Gift)	HDFC Retirement Savings Fund - Hybrid - Equity Plan	Tata Retirement Savings Fund - Progressive	Tata Retirement Savings Fund-Moderate
Point 1	Highest AUM (₹6,584 Cr).	Bottom quartile AUM (₹1,373 Cr).	Bottom quartile AUM (₹1,660 Cr).	Lower mid AUM (₹2,047 Cr).	Upper mid AUM (₹2,115 Cr).
Point 2	Established history (9+ yrs).	Oldest track record among peers (24 yrs).	Established history (9+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).
Point 3	Not Rated.	Rating: 2★ (lower mid).	Not Rated.	Top rated.	Rating: 5★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 24.99% (top quartile).	5Y return: 19.22% (upper mid).	5Y return: 18.04% (lower mid).	5Y return: 16.06% (bottom quartile).	5Y return: 15.07% (bottom quartile).
Point 6	3Y return: 19.44% (top quartile).	3Y return: 18.64% (upper mid).	3Y return: 15.62% (bottom quartile).	3Y return: 16.08% (lower mid).	3Y return: 15.14% (bottom quartile).
Point 7	1Y return: 4.87% (upper mid).	1Y return: 8.23% (top quartile).	1Y return: 4.31% (lower mid).	1Y return: 2.30% (bottom quartile).	1Y return: 3.96% (bottom quartile).
Point 8	1M return: 4.46% (top quartile).	1M return: 2.89% (bottom quartile).	1M return: 3.39% (bottom quartile).	1M return: 4.19% (upper mid).	1M return: 3.72% (lower mid).
Point 9	Alpha: -1.34 (bottom quartile).	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: -0.19 (bottom quartile).	Alpha: 0.00 (lower mid).
Point 10	Sharpe: -0.72 (bottom quartile).	Sharpe: -0.26 (top quartile).	Sharpe: -0.74 (bottom quartile).	Sharpe: -0.60 (lower mid).	Sharpe: -0.56 (upper mid).

HDFC Retirement Savings Fund - Equity Plan

Highest AUM (₹6,584 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 24.99% (top quartile).
3Y return: 19.44% (top quartile).
1Y return: 4.87% (upper mid).
1M return: 4.46% (top quartile).
Alpha: -1.34 (bottom quartile).
Sharpe: -0.72 (bottom quartile).

ICICI Prudential Child Care Plan (Gift)

Bottom quartile AUM (₹1,373 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.22% (upper mid).
3Y return: 18.64% (upper mid).
1Y return: 8.23% (top quartile).
1M return: 2.89% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: -0.26 (top quartile).

HDFC Retirement Savings Fund - Hybrid - Equity Plan

Bottom quartile AUM (₹1,660 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 18.04% (lower mid).
3Y return: 15.62% (bottom quartile).
1Y return: 4.31% (lower mid).
1M return: 3.39% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.74 (bottom quartile).

Tata Retirement Savings Fund - Progressive

Lower mid AUM (₹2,047 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 16.06% (bottom quartile).
3Y return: 16.08% (lower mid).
1Y return: 2.30% (bottom quartile).
1M return: 4.19% (upper mid).
Alpha: -0.19 (bottom quartile).
Sharpe: -0.60 (lower mid).

Tata Retirement Savings Fund-Moderate

Upper mid AUM (₹2,115 Cr).
Established history (14+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 15.07% (bottom quartile).
3Y return: 15.14% (bottom quartile).
1Y return: 3.96% (bottom quartile).
1M return: 3.72% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.56 (upper mid).

Best Lump sum Mutual Fund on 1 Month Performance

1. Sundaram Financial Services Opportunities Fund

Seek capital appreciation by investing predominantly in equity and equity related securities of indian companies engaged in banking and financial Services.

Research Highlights for Sundaram Financial Services Opportunities Fund

Upper mid AUM (₹1,460 Cr).
Oldest track record among peers (17 yrs).
Top rated.
Risk profile: High.
5Y return: 22.63% (top quartile).
3Y return: 18.94% (top quartile).
1Y return: 8.90% (lower mid).
Alpha: -11.54 (bottom quartile).
Sharpe: -0.55 (lower mid).
Information ratio: 0.50 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~19.4%).
Top-3 holdings concentration ~41.3%.

Below is the key information for Sundaram Financial Services Opportunities Fund

Sundaram Financial Services Opportunities Fund Growth
Launch Date	10 Jun 08
NAV (30 Oct 25)	₹106.789 ↓ -0.74 (-0.69 %)
Net Assets (Cr)	₹1,460 on 31 Aug 25
Category	Equity - Sectoral
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.12
Sharpe Ratio	-0.55
Information Ratio	0.5
Alpha Ratio	-11.54
Min Investment	100,000
Min SIP Investment	100
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹16,871
30 Sep 22	₹16,868
30 Sep 23	₹21,846
30 Sep 24	₹28,462
30 Sep 25	₹27,965

Sundaram Financial Services Opportunities Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 Invest Now

Returns for Sundaram Financial Services Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 25

Duration	Returns
1 Month	7.7%
3 Month	4.1%
6 Month	4.7%
1 Year	8.9%
3 Year	18.9%
5 Year	22.6%
10 Year
15 Year
Since launch	14.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.1%
2023	31.1%
2022	16.8%
2021	15.3%
2020	2.7%
2019	26.4%
2018	-3.7%
2017	33.3%
2016	12.8%
2015	-9%

Fund Manager information for Sundaram Financial Services Opportunities Fund

Name	Since	Tenure
Rohit Seksaria	30 Dec 17	7.76 Yr.

Data below for Sundaram Financial Services Opportunities Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	94.6%

Asset Allocation

Asset Class	Value
Cash	5.21%
Equity	94.6%
Debt	0.18%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 08 \| HDFCBANK	19%	₹294 Cr	3,090,480 ↑ 39,074
ICICI Bank Ltd (Financial Services) Equity, Since 30 Jun 10 \| ICICIBANK	12%	₹181 Cr	1,339,673
Axis Bank Ltd (Financial Services) Equity, Since 28 Feb 10 \| 532215	10%	₹150 Cr	1,329,343
State Bank of India (Financial Services) Equity, Since 31 Dec 08 \| SBIN	6%	₹88 Cr	1,003,469
Bajaj Finserv Ltd (Financial Services) Equity, Since 31 Mar 25 \| 532978	5%	₹69 Cr	341,499
Shriram Finance Ltd (Financial Services) Equity, Since 30 Sep 23 \| SHRIRAMFIN	4%	₹67 Cr	1,085,825
CSB Bank Ltd Ordinary Shares (Financial Services) Equity, Since 30 Jun 20 \| CSBBANK	4%	₹61 Cr	1,644,042
PNB Housing Finance Ltd (Financial Services) Equity, Since 31 Jul 24 \| PNBHOUSING	4%	₹59 Cr	682,976
Bank of Baroda (Financial Services) Equity, Since 29 Feb 24 \| 532134	4%	₹57 Cr	2,208,626
Ujjivan Small Finance Bank Ltd Ordinary Shares (Financial Services) Equity, Since 31 May 24 \| UJJIVANSFB	4%	₹54 Cr	11,708,687

2. LIC MF Banking & Financial Services Fund

The investment objective of the scheme is to generate long-term capital appreciation for unit holders from a portfolio that is invested substantially in equity and equity related securities of companies engaged in banking & financial services sector. However, there can be no assurance that the investment objective of the Scheme will be realised.

Research Highlights for LIC MF Banking & Financial Services Fund

Bottom quartile AUM (₹267 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: High.
5Y return: 18.14% (lower mid).
3Y return: 12.89% (lower mid).
1Y return: 11.88% (upper mid).
Alpha: -7.08 (lower mid).
Sharpe: -0.26 (upper mid).
Information ratio: -0.38 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding HDFC Bank Ltd (~20.3%).
Top-3 holdings concentration ~40.1%.

Below is the key information for LIC MF Banking & Financial Services Fund

LIC MF Banking & Financial Services Fund Growth
Launch Date	27 Mar 15
NAV (29 Oct 25)	₹22.0421 ↓ -0.01 (-0.03 %)
Net Assets (Cr)	₹267 on 31 Aug 25
Category	Equity - Sectoral
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	Not Rated
Risk	High
Expense Ratio	2.27
Sharpe Ratio	-0.26
Information Ratio	-0.38
Alpha Ratio	-7.08
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹15,821
30 Sep 22	₹16,536
30 Sep 23	₹19,870
30 Sep 24	₹23,160
30 Sep 25	₹23,323

LIC MF Banking & Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656 Invest Now

Returns for LIC MF Banking & Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 25

Duration	Returns
1 Month	7.6%
3 Month	4.7%
6 Month	10.4%
1 Year	11.9%
3 Year	12.9%
5 Year	18.1%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	0.5%
2023	20.5%
2022	19.6%
2021	9.8%
2020	-2.1%
2019	19.9%
2018	-18%
2017	32.7%
2016	10.5%
2015

Fund Manager information for LIC MF Banking & Financial Services Fund

Name	Since	Tenure
Jaiprakash Toshniwal	6 Sep 21	4.07 Yr.

Data below for LIC MF Banking & Financial Services Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	91.65%
Technology	2.54%
Consumer Cyclical	2.04%

Asset Allocation

Asset Class	Value
Cash	1.62%
Equity	98.38%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Apr 15 \| HDFCBANK	20%	₹55 Cr	577,491 ↑ 33,985
ICICI Bank Ltd (Financial Services) Equity, Since 30 Apr 15 \| ICICIBANK	13%	₹35 Cr	257,998 ↑ 23,461
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 15 \| 532215	7%	₹19 Cr	166,028
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 29 Feb 24 \| KOTAKBANK	7%	₹18 Cr	90,147
State Bank of India (Financial Services) Equity, Since 31 Mar 20 \| SBIN	5%	₹13 Cr	143,886 ↓ -972
MAS Financial Services Ltd Ordinary Shares (Financial Services) Equity, Since 31 Mar 22 \| MASFIN	4%	₹12 Cr	402,877
SBI Cards and Payment Services Ltd Ordinary Shares (Financial Services) Equity, Since 30 Sep 24 \| SBICARD	4%	₹10 Cr	118,687
Power Finance Corp Ltd (Financial Services) Equity, Since 30 Sep 23 \| 532810	3%	₹9 Cr	218,047
Shriram Finance Ltd (Financial Services) Equity, Since 30 Apr 24 \| SHRIRAMFIN	3%	₹8 Cr	136,529
CreditAccess Grameen Ltd Ordinary Shares (Financial Services) Equity, Since 30 Sep 22 \| CREDITACC	3%	₹8 Cr	61,586 ↓ -1,936

3. Motilal Oswal Dynamic Fund

(Erstwhile Motilal Oswal MOSt Focused Dynamic Equity Fund)

The investment objective is to generate long term capital appreciation by investing in equity and equity related instruments including equity derivatives, debt, money market instruments and units issued by REITs and InvITs. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved.

Research Highlights for Motilal Oswal Dynamic Fund

Lower mid AUM (₹987 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 8.72% (bottom quartile).
3Y return: 10.09% (bottom quartile).
1Y return: -5.58% (bottom quartile).
1M return: 7.27% (lower mid).
Alpha: 0.00 (top quartile).
Sharpe: -0.88 (bottom quartile).
Information ratio: 0.00 (lower mid).
Higher exposure to Technology vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding Eternal Ltd (~9.6%).

Below is the key information for Motilal Oswal Dynamic Fund

Motilal Oswal Dynamic Fund Growth
Launch Date	27 Sep 16
NAV (29 Oct 25)	₹20.5599 ↑ 0.15 (0.72 %)
Net Assets (Cr)	₹987 on 31 Jul 25
Category	Hybrid - Dynamic Allocation
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	2.54
Sharpe Ratio	-0.88
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹11,620
30 Sep 22	₹11,572
30 Sep 23	₹13,904
30 Sep 24	₹17,158
30 Sep 25	₹14,242

Motilal Oswal Dynamic Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹376,357.
Net Profit of ₹76,357 Invest Now

Returns for Motilal Oswal Dynamic Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 25

Duration	Returns
1 Month	7.3%
3 Month	4.4%
6 Month	13.2%
1 Year	-5.6%
3 Year	10.1%
5 Year	8.7%
10 Year
15 Year
Since launch	8.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9.4%
2023	24.1%
2022	-1.1%
2021	7.4%
2020	8.8%
2019	10.9%
2018	-0.8%
2017	24.4%
2016
2015

Fund Manager information for Motilal Oswal Dynamic Fund

Name	Since	Tenure
Ajay Khandelwal	1 Oct 24	1 Yr.
Niket Shah	6 Mar 25	0.57 Yr.
Rakesh Shetty	22 Nov 22	2.86 Yr.
Atul Mehra	1 Oct 24	1 Yr.
Sunil Sawant	1 Jul 24	1.25 Yr.

Data below for Motilal Oswal Dynamic Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	3.74%
Equity	96.26%

Equity Sector Allocation

Sector	Value
Technology	29.74%
Consumer Cyclical	28.62%
Basic Materials	15.46%
Financial Services	9.71%
Health Care	6.02%
Industrials	3.93%

Debt Sector Allocation

Sector	Value
Cash Equivalent	3.74%

Credit Quality

Rating	Value
AA	34.87%
AAA	65.13%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Eternal Ltd (Consumer Cyclical) Equity, Since 31 May 25 \| 543320	10%	₹90 Cr	2,750,000 ↓ -510,000
Shaily Engineering Plastics Ltd (Basic Materials) Equity, Since 28 Feb 25 \| 501423	9%	₹87 Cr	400,000
Coforge Ltd (Technology) Equity, Since 31 Dec 24 \| COFORGE	9%	₹84 Cr	525,000
Dixon Technologies (India) Ltd (Technology) Equity, Since 30 Jun 25 \| DIXON	9%	₹82 Cr	50,000 ↓ -10,127
Trent Ltd (Consumer Cyclical) Equity, Since 31 Dec 24 \| 500251	9%	₹81 Cr	174,047 ↓ -953
Kalyan Jewellers India Ltd (Consumer Cyclical) Equity, Since 30 Apr 25 \| KALYANKJIL	8%	₹75 Cr	1,650,000
Persistent Systems Ltd (Technology) Equity, Since 30 Apr 25 \| PERSISTENT	6%	₹60 Cr	125,000
Ellenbarrie Industrial Gases Ltd (Basic Materials) Equity, Since 30 Jun 25 \| ELLEN	6%	₹56 Cr	1,250,000 ↑ 750,000
One97 Communications Ltd (Technology) Equity, Since 31 Aug 25 \| 543396	5%	₹51 Cr	450,000
Poonawalla Fincorp Ltd (Financial Services) Equity, Since 31 Jul 25 \| POONAWALLA	5%	₹47 Cr	950,000 ↓ -1,050,000

4. TATA Banking and Financial Services Fund

The investment objective of the scheme is to seek long term capital appreciation by investing atleast 80% of its net assets in equity/equity related instruments of the companies in the Banking and Financial Services sector in India.

Research Highlights for TATA Banking and Financial Services Fund

Highest AUM (₹2,819 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: High.
5Y return: 20.20% (upper mid).
3Y return: 18.28% (upper mid).
1Y return: 13.62% (top quartile).
Alpha: -3.57 (upper mid).
Sharpe: -0.01 (top quartile).
Information ratio: 0.56 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding HDFC Bank Ltd (~18.9%).
Top-3 holdings concentration ~36.1%.

Below is the key information for TATA Banking and Financial Services Fund

TATA Banking and Financial Services Fund Growth
Launch Date	28 Dec 15
NAV (29 Oct 25)	₹44.9963 ↑ 0.16 (0.35 %)
Net Assets (Cr)	₹2,819 on 31 Aug 25
Category	Equity - Sectoral
AMC	Tata Asset Management Limited
Rating	Not Rated
Risk	High
Expense Ratio	1.98
Sharpe Ratio	-0.01
Information Ratio	0.56
Alpha Ratio	-3.57
Min Investment	5,000
Min SIP Investment	150
Exit Load	0-3 Months (0.25%),3 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹15,993
30 Sep 22	₹15,596
30 Sep 23	₹19,756
30 Sep 24	₹24,587
30 Sep 25	₹25,559

TATA Banking and Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 Invest Now

Returns for TATA Banking and Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 25

Duration	Returns
1 Month	7.3%
3 Month	5.3%
6 Month	6.9%
1 Year	13.6%
3 Year	18.3%
5 Year	20.2%
10 Year
15 Year
Since launch	16.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9%
2023	22%
2022	16.9%
2021	11.9%
2020	2.7%
2019	25.7%
2018	-0.1%
2017	45%
2016	17.8%
2015

Fund Manager information for TATA Banking and Financial Services Fund

Name	Since	Tenure
Amey Sathe	14 Oct 21	3.97 Yr.

Data below for TATA Banking and Financial Services Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	94.52%
Technology	2.31%

Asset Allocation

Asset Class	Value
Cash	3.16%
Equity	96.84%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jan 16 \| HDFCBANK	19%	₹552 Cr	5,800,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	9%	₹256 Cr	1,900,000 ↑ 235,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Nov 18 \| 532215	8%	₹246 Cr	2,170,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 16 \| KOTAKBANK	8%	₹239 Cr	1,200,000
Bajaj Finserv Ltd (Financial Services) Equity, Since 30 Apr 25 \| 532978	3%	₹94 Cr	469,857
State Bank of India (Financial Services) Equity, Since 30 Nov 20 \| SBIN	3%	₹86 Cr	990,000
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Dec 24 \| 500034	3%	₹85 Cr	850,000
ICICI Lombard General Insurance Co Ltd (Financial Services) Equity, Since 30 Jun 19 \| ICICIGI	3%	₹76 Cr	400,000
Max Financial Services Ltd (Financial Services) Equity, Since 31 Aug 20 \| 500271	2%	₹71 Cr	450,000
RBL Bank Ltd (Financial Services) Equity, Since 31 Oct 21 \| RBLBANK	2%	₹69 Cr	2,500,000

Case Study: Lump Sum vs SIP

Imagine you received a ₹5,00,000 bonus in January 2020:

Lump Sum in Nifty 50 Index Fund (5 years) - Grew to ~₹11,20,000 (CAGR ~17%).
SIP of ₹10,000/month for 5 years - Grew to ~₹9,10,000 (CAGR ~12%).

Clearly, lump sum generated higher wealth since markets were in a growth cycle. But SIP reduces risk in volatile times. This highlights why timing and risk profile matter.

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Tips to Invest Lump Sum in 2025

Stagger via STP (Systematic Transfer Plan): If markets are high, park in liquid funds and transfer monthly.
Match with Goals: Use equity for long-term goals (7–10 years), debt for short-term (1–3 years).
Check Market Valuation: Enter lump sum during dips for best results.
Diversify: Don’t put all money in one fund—spread across categories.
Review Yearly: Rebalance based on performance and goals.

FAQs on Lump Sum Mutual Funds

Q1. Is lump sum better than SIP?

A: Lump sum works well if you have a long-term horizon and invest during market corrections. SIP is safer for average investors.

Q2. What is the minimum amount for lump sum investment?

A: Most mutual funds in India allow lump sum starting from ₹5,000.

Q3. Can I invest lump sum in debt funds for short term?

A: Yes, corporate bond and short-term funds are suitable for 1–3 years.

Q4. Which category is best for lump sum?

A: Equity Funds (flexi-cap, large-cap, mid-cap) are best for 7–10 years; debt funds for short horizons.

Q5. Should I wait for a market crash before investing lump sum

A: Timing the market is difficult. Instead, use STP strategy if valuations look expensive.

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.