5 Best Performing Lump sum Investments 2025 - 2026

Updated on November 22, 2025 , 155459 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	₹93.243 ↓ -0.49	₹48,871	5,000	2	5.1	8.4	18.5	22.1	18.2
ICICI Prudential Bluechip Fund Growth	₹115.16 ↓ -0.44	₹75,863	5,000	3.9	5.8	9.9	17.8	19.6	16.9
DSP TOP 100 Equity Growth	₹483.88 ↓ -2.09	₹6,934	1,000	3	2.5	6.6	17.3	16.2	20.5
Invesco India Largecap Fund Growth	₹71.22 ↓ -0.20	₹1,686	5,000	3	4.6	6.8	16.5	17.2	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 (₹48,871 Cr).	Highest AUM (₹75,863 Cr).	Lower mid AUM (₹6,934 Cr).	Bottom quartile AUM (₹1,686 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: 22.06% (top quartile).	5Y return: 19.59% (upper mid).	5Y return: 16.18% (bottom quartile).	5Y return: 17.24% (lower mid).
Point 6	3Y return: 21.88% (top quartile).	3Y return: 18.51% (upper mid).	3Y return: 17.77% (lower mid).	3Y return: 17.31% (bottom quartile).	3Y return: 16.54% (bottom quartile).
Point 7	1Y return: 15.39% (top quartile).	1Y return: 8.38% (lower mid).	1Y return: 9.90% (upper mid).	1Y return: 6.64% (bottom quartile).	1Y return: 6.76% (bottom quartile).
Point 8	Alpha: 2.11 (top quartile).	Alpha: 0.46 (lower mid).	Alpha: 0.55 (upper mid).	Alpha: -2.26 (bottom quartile).	Alpha: 0.09 (bottom quartile).
Point 9	Sharpe: 1.09 (top quartile).	Sharpe: 0.15 (upper mid).	Sharpe: 0.12 (lower mid).	Sharpe: -0.10 (bottom quartile).	Sharpe: 0.08 (bottom quartile).
Point 10	Information ratio: 0.14 (bottom quartile).	Information ratio: 1.44 (top quartile).	Information ratio: 1.23 (upper mid).	Information ratio: 0.51 (bottom quartile).	Information ratio: 0.72 (lower mid).

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 (top quartile).
Sharpe: 1.09 (top quartile).
Information ratio: 0.14 (bottom quartile).

Nippon India Large Cap Fund

Upper mid AUM (₹48,871 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 22.06% (top quartile).
3Y return: 18.51% (upper mid).
1Y return: 8.38% (lower mid).
Alpha: 0.46 (lower mid).
Sharpe: 0.15 (upper mid).
Information ratio: 1.44 (top quartile).

ICICI Prudential Bluechip Fund

Highest AUM (₹75,863 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 19.59% (upper mid).
3Y return: 17.77% (lower mid).
1Y return: 9.90% (upper mid).
Alpha: 0.55 (upper mid).
Sharpe: 0.12 (lower mid).
Information ratio: 1.23 (upper mid).

DSP TOP 100 Equity

Lower mid AUM (₹6,934 Cr).
Oldest track record among peers (22 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.18% (bottom quartile).
3Y return: 17.31% (bottom quartile).
1Y return: 6.64% (bottom quartile).
Alpha: -2.26 (bottom quartile).
Sharpe: -0.10 (bottom quartile).
Information ratio: 0.51 (bottom quartile).

Invesco India Largecap Fund

Bottom quartile AUM (₹1,686 Cr).
Established history (16+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.24% (lower mid).
3Y return: 16.54% (bottom quartile).
1Y return: 6.76% (bottom quartile).
Alpha: 0.09 (bottom quartile).
Sharpe: 0.08 (bottom quartile).
Information ratio: 0.72 (lower mid).

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	₹101.776 ↓ -0.44	₹37,501	5,000	-2.5	3.3	-3.2	25.8	29.5	57.1
Edelweiss Mid Cap Fund Growth	₹102.998 ↓ -0.48	₹12,647	5,000	1.2	5.8	6.4	24.7	26.3	38.9
Invesco India Mid Cap Fund Growth	₹184.92 ↑ 0.31	₹9,320	5,000	0.7	10.8	13.6	27.1	25.7	43.1
Sundaram Mid Cap Fund Growth	₹1,425.17 ↓ -6.22	₹13,236	5,000	2.3	7.2	7.3	24	24.3	32
ICICI Prudential MidCap Fund Growth	₹308.06 ↓ -1.84	₹6,964	5,000	3	8.9	10.6	22.3	24.3	27
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Nov 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 (₹37,501 Cr).	Lower mid AUM (₹12,647 Cr).	Bottom quartile AUM (₹9,320 Cr).	Upper mid AUM (₹13,236 Cr).	Bottom quartile AUM (₹6,964 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: 29.53% (top quartile).	5Y return: 26.30% (upper mid).	5Y return: 25.74% (lower mid).	5Y return: 24.33% (bottom quartile).	5Y return: 24.30% (bottom quartile).
Point 6	3Y return: 25.80% (upper mid).	3Y return: 24.72% (lower mid).	3Y return: 27.14% (top quartile).	3Y return: 24.02% (bottom quartile).	3Y return: 22.34% (bottom quartile).
Point 7	1Y return: -3.17% (bottom quartile).	1Y return: 6.38% (bottom quartile).	1Y return: 13.55% (top quartile).	1Y return: 7.25% (lower mid).	1Y return: 10.57% (upper mid).
Point 8	Alpha: -4.22 (bottom quartile).	Alpha: -0.23 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: -0.05 (lower mid).	Alpha: 2.69 (top quartile).
Point 9	Sharpe: -0.13 (bottom quartile).	Sharpe: 0.07 (bottom quartile).	Sharpe: 0.43 (top quartile).	Sharpe: 0.08 (lower mid).	Sharpe: 0.22 (upper mid).
Point 10	Information ratio: 0.20 (top quartile).	Information ratio: 0.18 (upper mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.16 (lower mid).	Information ratio: -0.29 (bottom quartile).

Motilal Oswal Midcap 30 Fund

Highest AUM (₹37,501 Cr).
Established history (11+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 29.53% (top quartile).
3Y return: 25.80% (upper mid).
1Y return: -3.17% (bottom quartile).
Alpha: -4.22 (bottom quartile).
Sharpe: -0.13 (bottom quartile).
Information ratio: 0.20 (top quartile).

Edelweiss Mid Cap Fund

Lower mid AUM (₹12,647 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 26.30% (upper mid).
3Y return: 24.72% (lower mid).
1Y return: 6.38% (bottom quartile).
Alpha: -0.23 (bottom quartile).
Sharpe: 0.07 (bottom quartile).
Information ratio: 0.18 (upper mid).

Invesco India Mid Cap Fund

Bottom quartile AUM (₹9,320 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 25.74% (lower mid).
3Y return: 27.14% (top quartile).
1Y return: 13.55% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.43 (top quartile).
Information ratio: 0.00 (bottom quartile).

Sundaram Mid Cap Fund

Upper mid AUM (₹13,236 Cr).
Oldest track record among peers (23 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 24.33% (bottom quartile).
3Y return: 24.02% (bottom quartile).
1Y return: 7.25% (lower mid).
Alpha: -0.05 (lower mid).
Sharpe: 0.08 (lower mid).
Information ratio: 0.16 (lower mid).

ICICI Prudential MidCap Fund

Bottom quartile AUM (₹6,964 Cr).
Established history (21+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 24.30% (bottom quartile).
3Y return: 22.34% (bottom quartile).
1Y return: 10.57% (upper mid).
Alpha: 2.69 (top quartile).
Sharpe: 0.22 (upper mid).
Information ratio: -0.29 (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	₹140.121 ↓ -0.47	₹38,412	5,000	-1.3	4.7	4.5	21.2	27.3	20.4
Franklin India Smaller Companies Fund Growth	₹167.548 ↓ -1.17	₹13,790	5,000	-1.1	-1.4	-2.8	20.8	25.5	23.2
Sundaram Small Cap Fund Growth	₹261.073 ↓ -0.85	₹3,496	5,000	1.6	4.5	4.8	20.2	24.8	19.1
ICICI Prudential Smallcap Fund Growth	₹85.89 ↓ -0.27	₹8,622	5,000	-2.6	1.5	0.9	16.5	24.4	15.6
IDBI Small Cap Fund Growth	₹29.4162 ↓ -0.39	₹647	5,000	-2.1	-0.2	-8.1	16.3	24.3	40
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Nov 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	HDFC Small Cap Fund	Franklin India Smaller Companies Fund	Sundaram Small Cap Fund	ICICI Prudential Smallcap Fund	IDBI Small Cap Fund
Point 1	Highest AUM (₹38,412 Cr).	Upper mid AUM (₹13,790 Cr).	Bottom quartile AUM (₹3,496 Cr).	Lower mid AUM (₹8,622 Cr).	Bottom quartile AUM (₹647 Cr).
Point 2	Established history (17+ yrs).	Established history (19+ yrs).	Oldest track record among peers (20 yrs).	Established history (18+ yrs).	Established history (8+ yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	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: 27.28% (top quartile).	5Y return: 25.45% (upper mid).	5Y return: 24.81% (lower mid).	5Y return: 24.36% (bottom quartile).	5Y return: 24.33% (bottom quartile).
Point 6	3Y return: 21.16% (top quartile).	3Y return: 20.77% (upper mid).	3Y return: 20.18% (lower mid).	3Y return: 16.47% (bottom quartile).	3Y return: 16.32% (bottom quartile).
Point 7	1Y return: 4.50% (upper mid).	1Y return: -2.78% (bottom quartile).	1Y return: 4.84% (top quartile).	1Y return: 0.92% (lower mid).	1Y return: -8.06% (bottom quartile).
Point 8	Alpha: 0.00 (upper mid).	Alpha: -3.92 (bottom quartile).	Alpha: 2.09 (top quartile).	Alpha: -1.20 (lower mid).	Alpha: -5.20 (bottom quartile).
Point 9	Sharpe: -0.07 (top quartile).	Sharpe: -0.40 (bottom quartile).	Sharpe: -0.12 (upper mid).	Sharpe: -0.28 (lower mid).	Sharpe: -0.43 (bottom quartile).
Point 10	Information ratio: 0.00 (top quartile).	Information ratio: -0.26 (upper mid).	Information ratio: -0.43 (lower mid).	Information ratio: -0.85 (bottom quartile).	Information ratio: -0.79 (bottom quartile).

HDFC Small Cap Fund

Highest AUM (₹38,412 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 27.28% (top quartile).
3Y return: 21.16% (top quartile).
1Y return: 4.50% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.07 (top quartile).
Information ratio: 0.00 (top quartile).

Franklin India Smaller Companies Fund

Upper mid AUM (₹13,790 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 25.45% (upper mid).
3Y return: 20.77% (upper mid).
1Y return: -2.78% (bottom quartile).
Alpha: -3.92 (bottom quartile).
Sharpe: -0.40 (bottom quartile).
Information ratio: -0.26 (upper mid).

Sundaram Small Cap Fund

Bottom quartile AUM (₹3,496 Cr).
Oldest track record among peers (20 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 24.81% (lower mid).
3Y return: 20.18% (lower mid).
1Y return: 4.84% (top quartile).
Alpha: 2.09 (top quartile).
Sharpe: -0.12 (upper mid).
Information ratio: -0.43 (lower mid).

ICICI Prudential Smallcap Fund

Lower mid AUM (₹8,622 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 24.36% (bottom quartile).
3Y return: 16.47% (bottom quartile).
1Y return: 0.92% (lower mid).
Alpha: -1.20 (lower mid).
Sharpe: -0.28 (lower mid).
Information ratio: -0.85 (bottom quartile).

IDBI Small Cap Fund

Bottom quartile AUM (₹647 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 24.33% (bottom quartile).
3Y return: 16.32% (bottom quartile).
1Y return: -8.06% (bottom quartile).
Alpha: -5.20 (bottom quartile).
Sharpe: -0.43 (bottom quartile).
Information ratio: -0.79 (bottom quartile).

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 (%)
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	₹61.7175 ↓ -0.56	₹14,319	5,000	-0.6	3.4	2.8	21.5	16.8	45.7
Nippon India Multi Cap Fund Growth	₹300.68 ↓ -1.76	₹49,314	5,000	-0.3	3.5	4.7	21.4	27.1	25.8
HDFC Equity Fund Growth	₹2,070.76 ↓ -4.11	₹91,041	5,000	3.6	5.9	11.2	21	25.9	23.5
JM Multicap Fund Growth	₹97.7869 ↓ -0.32	₹6,080	5,000	0.4	1.3	-3	20.4	22	33.3
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 Diversified Equity Fund	Motilal Oswal Multicap 35 Fund	Nippon India Multi Cap Fund	HDFC Equity Fund	JM Multicap Fund
Point 1	Bottom quartile AUM (₹382 Cr).	Lower mid AUM (₹14,319 Cr).	Upper mid AUM (₹49,314 Cr).	Highest AUM (₹91,041 Cr).	Bottom quartile AUM (₹6,080 Cr).
Point 2	Established history (11+ yrs).	Established history (11+ yrs).	Established history (20+ yrs).	Oldest track record among peers (30 yrs).	Established history (17+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Top rated.	Rating: 2★ (bottom quartile).	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: 12.03% (bottom quartile).	5Y return: 16.80% (bottom quartile).	5Y return: 27.06% (top quartile).	5Y return: 25.92% (upper mid).	5Y return: 22.05% (lower mid).
Point 6	3Y return: 22.73% (top quartile).	3Y return: 21.53% (upper mid).	3Y return: 21.42% (lower mid).	3Y return: 20.99% (bottom quartile).	3Y return: 20.36% (bottom quartile).
Point 7	1Y return: 13.54% (top quartile).	1Y return: 2.75% (bottom quartile).	1Y return: 4.74% (lower mid).	1Y return: 11.24% (upper mid).	1Y return: -3.00% (bottom quartile).
Point 8	Alpha: -1.07 (bottom quartile).	Alpha: 0.60 (upper mid).	Alpha: -0.58 (lower mid).	Alpha: 3.93 (top quartile).	Alpha: -10.27 (bottom quartile).
Point 9	Sharpe: 1.01 (top quartile).	Sharpe: 0.05 (lower mid).	Sharpe: -0.07 (bottom quartile).	Sharpe: 0.39 (upper mid).	Sharpe: -0.64 (bottom quartile).
Point 10	Information ratio: -0.53 (bottom quartile).	Information ratio: 0.57 (bottom quartile).	Information ratio: 0.64 (lower mid).	Information ratio: 1.44 (top quartile).	Information ratio: 0.89 (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% (top 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 (₹14,319 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 16.80% (bottom quartile).
3Y return: 21.53% (upper mid).
1Y return: 2.75% (bottom quartile).
Alpha: 0.60 (upper mid).
Sharpe: 0.05 (lower mid).
Information ratio: 0.57 (bottom quartile).

Nippon India Multi Cap Fund

Upper mid AUM (₹49,314 Cr).
Established history (20+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 27.06% (top quartile).
3Y return: 21.42% (lower mid).
1Y return: 4.74% (lower mid).
Alpha: -0.58 (lower mid).
Sharpe: -0.07 (bottom quartile).
Information ratio: 0.64 (lower mid).

HDFC Equity Fund

Highest AUM (₹91,041 Cr).
Oldest track record among peers (30 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 25.92% (upper mid).
3Y return: 20.99% (bottom quartile).
1Y return: 11.24% (upper mid).
Alpha: 3.93 (top quartile).
Sharpe: 0.39 (upper mid).
Information ratio: 1.44 (top quartile).

JM Multicap Fund

Bottom quartile AUM (₹6,080 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 22.05% (lower mid).
3Y return: 20.36% (bottom quartile).
1Y return: -3.00% (bottom quartile).
Alpha: -10.27 (bottom quartile).
Sharpe: -0.64 (bottom quartile).
Information ratio: 0.89 (upper mid).

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	₹51.459 ↓ -0.73	₹4,515	500	1.1	1.2	-0.5	23.1	22.1	47.7
SBI Magnum Tax Gain Fund Growth	₹447.612 ↓ -0.16	₹31,783	500	3	4	5.6	23.1	23.3	27.7
IDBI Equity Advantage Fund Growth	₹43.39 ↑ 0.04	₹485	500	9.7	15.1	16.9	20.8	10
HDFC Long Term Advantage Fund Growth	₹595.168 ↑ 0.28	₹1,318	500	1.2	15.4	35.5	20.6	17.4
HDFC Tax Saver Fund Growth	₹1,455.63 ↓ -4.49	₹17,194	500	2.6	4.5	9.6	20.4	23.4	21.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Nov 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Motilal Oswal Long Term Equity Fund	SBI Magnum Tax Gain Fund	IDBI Equity Advantage Fund	HDFC Long Term Advantage Fund	HDFC Tax Saver Fund
Point 1	Lower mid AUM (₹4,515 Cr).	Highest AUM (₹31,783 Cr).	Bottom quartile AUM (₹485 Cr).	Bottom quartile AUM (₹1,318 Cr).	Upper mid AUM (₹17,194 Cr).
Point 2	Established history (10+ yrs).	Established history (18+ yrs).	Established history (12+ yrs).	Established history (24+ yrs).	Oldest track record among peers (29 yrs).
Point 3	Not Rated.	Rating: 2★ (lower mid).	Top rated.	Rating: 3★ (upper 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: 22.10% (lower mid).	5Y return: 23.33% (upper mid).	5Y return: 9.97% (bottom quartile).	5Y return: 17.39% (bottom quartile).	5Y return: 23.42% (top quartile).
Point 6	3Y return: 23.09% (top quartile).	3Y return: 23.08% (upper mid).	3Y return: 20.84% (lower mid).	3Y return: 20.64% (bottom quartile).	3Y return: 20.38% (bottom quartile).
Point 7	1Y return: -0.54% (bottom quartile).	1Y return: 5.61% (bottom quartile).	1Y return: 16.92% (upper mid).	1Y return: 35.51% (top quartile).	1Y return: 9.57% (lower mid).
Point 8	Alpha: -2.71 (bottom quartile).	Alpha: -2.21 (bottom quartile).	Alpha: 1.78 (upper mid).	Alpha: 1.75 (lower mid).	Alpha: 2.58 (top quartile).
Point 9	Sharpe: -0.08 (bottom quartile).	Sharpe: -0.18 (bottom quartile).	Sharpe: 1.21 (upper mid).	Sharpe: 2.27 (top quartile).	Sharpe: 0.25 (lower mid).
Point 10	Information ratio: 0.75 (lower mid).	Information ratio: 1.86 (top quartile).	Information ratio: -1.13 (bottom quartile).	Information ratio: -0.15 (bottom quartile).	Information ratio: 1.38 (upper mid).

Motilal Oswal Long Term Equity Fund

Lower mid AUM (₹4,515 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 22.10% (lower mid).
3Y return: 23.09% (top quartile).
1Y return: -0.54% (bottom quartile).
Alpha: -2.71 (bottom quartile).
Sharpe: -0.08 (bottom quartile).
Information ratio: 0.75 (lower mid).

SBI Magnum Tax Gain Fund

Highest AUM (₹31,783 Cr).
Established history (18+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 23.33% (upper mid).
3Y return: 23.08% (upper mid).
1Y return: 5.61% (bottom quartile).
Alpha: -2.21 (bottom quartile).
Sharpe: -0.18 (bottom quartile).
Information ratio: 1.86 (top quartile).

IDBI Equity Advantage Fund

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

HDFC Long Term Advantage Fund

Bottom quartile AUM (₹1,318 Cr).
Established history (24+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.39% (bottom quartile).
3Y return: 20.64% (bottom quartile).
1Y return: 35.51% (top quartile).
Alpha: 1.75 (lower mid).
Sharpe: 2.27 (top quartile).
Information ratio: -0.15 (bottom quartile).

HDFC Tax Saver Fund

Upper mid AUM (₹17,194 Cr).
Oldest track record among peers (29 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 23.42% (top quartile).
3Y return: 20.38% (bottom quartile).
1Y return: 9.57% (lower mid).
Alpha: 2.58 (top quartile).
Sharpe: 0.25 (lower mid).
Information ratio: 1.38 (upper mid).

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	₹260.86 ↓ -1.37	₹8,189	5,000	1.6	6.4	9.3	29.4	25.3	37.3
Invesco India PSU Equity Fund Growth	₹65.06 ↓ -0.95	₹1,466	5,000	5.8	2.2	7.7	27.8	28.2	25.6
SBI PSU Fund Growth	₹33.4458 ↓ -0.30	₹5,714	5,000	7.6	5	7.5	27.6	30.6	23.5
LIC MF Infrastructure Fund Growth	₹48.8965 ↓ -0.53	₹1,054	5,000	0.4	2.3	-0.6	26.5	27.5	47.8
HDFC Infrastructure Fund Growth	₹47.851 ↓ -0.23	₹2,586	5,000	0.5	1.3	4.9	25.8	31.2	23
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 21 Nov 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Franklin India Opportunities Fund	Invesco India PSU Equity Fund	SBI PSU Fund	LIC MF Infrastructure Fund	HDFC Infrastructure Fund
Point 1	Highest AUM (₹8,189 Cr).	Bottom quartile AUM (₹1,466 Cr).	Upper mid AUM (₹5,714 Cr).	Bottom quartile AUM (₹1,054 Cr).	Lower mid AUM (₹2,586 Cr).
Point 2	Oldest track record among peers (25 yrs).	Established history (16+ yrs).	Established history (15+ yrs).	Established history (17+ yrs).	Established history (17+ yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 2★ (bottom quartile).	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: 25.34% (bottom quartile).	5Y return: 28.20% (lower mid).	5Y return: 30.55% (upper mid).	5Y return: 27.55% (bottom quartile).	5Y return: 31.21% (top quartile).
Point 6	3Y return: 29.38% (top quartile).	3Y return: 27.77% (upper mid).	3Y return: 27.55% (lower mid).	3Y return: 26.53% (bottom quartile).	3Y return: 25.80% (bottom quartile).
Point 7	1Y return: 9.34% (top quartile).	1Y return: 7.66% (upper mid).	1Y return: 7.52% (lower mid).	1Y return: -0.59% (bottom quartile).	1Y return: 4.89% (bottom quartile).
Point 8	Alpha: 0.68 (top quartile).	Alpha: -0.54 (lower mid).	Alpha: -0.58 (bottom quartile).	Alpha: -6.32 (bottom quartile).	Alpha: 0.00 (upper mid).
Point 9	Sharpe: 0.06 (lower mid).	Sharpe: 0.09 (top quartile).	Sharpe: 0.09 (upper mid).	Sharpe: -0.04 (bottom quartile).	Sharpe: -0.15 (bottom quartile).
Point 10	Information ratio: 1.78 (top quartile).	Information ratio: -0.60 (bottom quartile).	Information ratio: -0.57 (bottom quartile).	Information ratio: 0.40 (upper mid).	Information ratio: 0.00 (lower mid).

Franklin India Opportunities Fund

Highest AUM (₹8,189 Cr).
Oldest track record among peers (25 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 25.34% (bottom quartile).
3Y return: 29.38% (top quartile).
1Y return: 9.34% (top quartile).
Alpha: 0.68 (top quartile).
Sharpe: 0.06 (lower mid).
Information ratio: 1.78 (top quartile).

Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,466 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 28.20% (lower mid).
3Y return: 27.77% (upper mid).
1Y return: 7.66% (upper mid).
Alpha: -0.54 (lower mid).
Sharpe: 0.09 (top quartile).
Information ratio: -0.60 (bottom quartile).

SBI PSU Fund

Upper mid AUM (₹5,714 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 30.55% (upper mid).
3Y return: 27.55% (lower mid).
1Y return: 7.52% (lower mid).
Alpha: -0.58 (bottom quartile).
Sharpe: 0.09 (upper mid).
Information ratio: -0.57 (bottom quartile).

LIC MF Infrastructure Fund

Bottom quartile AUM (₹1,054 Cr).
Established history (17+ yrs).
Not Rated.
Risk profile: High.
5Y return: 27.55% (bottom quartile).
3Y return: 26.53% (bottom quartile).
1Y return: -0.59% (bottom quartile).
Alpha: -6.32 (bottom quartile).
Sharpe: -0.04 (bottom quartile).
Information ratio: 0.40 (upper mid).

HDFC Infrastructure Fund

Lower mid AUM (₹2,586 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 31.21% (top quartile).
3Y return: 25.80% (bottom quartile).
1Y return: 4.89% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.15 (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	₹563.215 ↑ 0.27	₹22,389	1,000	1.6	3.4	7.7	7.5	7.9	6.81%	5M 19D	6M 22D
ICICI Prudential Ultra Short Term Fund Growth	₹28.4171 ↑ 0.01	₹17,841	5,000	1.6	3.2	7.3	7.2	7.5	6.64%	4M 24D	6M 11D
SBI Magnum Ultra Short Duration Fund Growth	₹6,124.96 ↑ 2.77	₹14,505	5,000	1.5	3.2	7.1	7.2	7.4	6.39%	4M 20D	5M 26D
Invesco India Ultra Short Term Fund Growth	₹2,762.26 ↑ 1.26	₹1,259	5,000	1.5	3.1	7	7	7.5	6.37%	4M 23D	5M 2D
Kotak Savings Fund Growth	₹43.9242 ↑ 0.02	₹15,149	5,000	1.5	3.1	7	7	7.2	6.49%	5M 12D	6M 11D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Nov 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 (₹22,389 Cr).	Upper mid AUM (₹17,841 Cr).	Bottom quartile AUM (₹14,505 Cr).	Bottom quartile AUM (₹1,259 Cr).	Lower mid AUM (₹15,149 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: 7.67% (top quartile).	1Y return: 7.27% (upper mid).	1Y return: 7.12% (lower mid).	1Y return: 7.02% (bottom quartile).	1Y return: 6.98% (bottom quartile).
Point 6	1M return: 0.56% (top quartile).	1M return: 0.53% (upper mid).	1M return: 0.52% (lower mid).	1M return: 0.49% (bottom quartile).	1M return: 0.50% (bottom quartile).
Point 7	Sharpe: 3.40 (top quartile).	Sharpe: 2.79 (upper mid).	Sharpe: 2.48 (lower mid).	Sharpe: 2.37 (bottom quartile).	Sharpe: 1.86 (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): 6.81% (top quartile).	Yield to maturity (debt): 6.64% (upper mid).	Yield to maturity (debt): 6.39% (bottom quartile).	Yield to maturity (debt): 6.37% (bottom quartile).	Yield to maturity (debt): 6.49% (lower mid).
Point 10	Modified duration: 0.47 yrs (bottom quartile).	Modified duration: 0.40 yrs (lower mid).	Modified duration: 0.39 yrs (top quartile).	Modified duration: 0.40 yrs (upper mid).	Modified duration: 0.45 yrs (bottom quartile).

Aditya Birla Sun Life Savings Fund

Highest AUM (₹22,389 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.67% (top quartile).
1M return: 0.56% (top quartile).
Sharpe: 3.40 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.81% (top quartile).
Modified duration: 0.47 yrs (bottom quartile).

ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹17,841 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.27% (upper mid).
1M return: 0.53% (upper mid).
Sharpe: 2.79 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.64% (upper mid).
Modified duration: 0.40 yrs (lower mid).

SBI Magnum Ultra Short Duration Fund

Bottom quartile AUM (₹14,505 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 7.12% (lower mid).
1M return: 0.52% (lower mid).
Sharpe: 2.48 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.39% (bottom quartile).
Modified duration: 0.39 yrs (top quartile).

Invesco India Ultra Short Term Fund

Bottom quartile AUM (₹1,259 Cr).
Established history (14+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.02% (bottom quartile).
1M return: 0.49% (bottom quartile).
Sharpe: 2.37 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.37% (bottom quartile).
Modified duration: 0.40 yrs (upper mid).

Kotak Savings Fund

Lower mid AUM (₹15,149 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.98% (bottom quartile).
1M return: 0.50% (bottom quartile).
Sharpe: 1.86 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.49% (lower mid).
Modified duration: 0.45 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	₹31.8002 ↑ 0.02	₹12,346	5,000	1.8	2.9	8.6	7.7	8	6.88%	2Y 2M 19D	2Y 8M 26D
Nippon India Short Term Fund Growth	₹54.2862 ↑ 0.02	₹9,297	5,000	1.8	2.7	8.5	7.7	8	7.04%	2Y 8M 1D	3Y 3M 29D
Aditya Birla Sun Life Short Term Opportunities Fund Growth	₹48.9237 ↑ 0.03	₹10,963	1,000	1.9	2.8	8.4	7.6	7.9	7.21%	2Y 9M 25D	3Y 8M 1D
SBI Short Term Debt Fund Growth	₹33.0199 ↑ 0.02	₹17,442	5,000	1.8	2.8	8.4	7.5	7.7	6.98%	2Y 8M 5D	3Y 4M 28D
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	Aditya Birla Sun Life Short Term Opportunities Fund	SBI Short Term Debt Fund
Point 1	Bottom quartile AUM (₹362 Cr).	Upper mid AUM (₹12,346 Cr).	Bottom quartile AUM (₹9,297 Cr).	Lower mid AUM (₹10,963 Cr).	Highest AUM (₹17,442 Cr).
Point 2	Oldest track record among peers (23 yrs).	Established history (15+ yrs).	Established history (22+ yrs).	Established history (22+ yrs).	Established history (18+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	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: Moderately Low.
Point 5	1Y return: 12.83% (top quartile).	1Y return: 8.65% (upper mid).	1Y return: 8.51% (lower mid).	1Y return: 8.36% (bottom quartile).	1Y return: 8.35% (bottom quartile).
Point 6	1M return: 0.20% (bottom quartile).	1M return: 0.52% (lower mid).	1M return: 0.51% (bottom quartile).	1M return: 0.64% (top quartile).	1M return: 0.53% (upper mid).
Point 7	Sharpe: 0.98 (bottom quartile).	Sharpe: 1.73 (top quartile).	Sharpe: 1.45 (upper mid).	Sharpe: 1.32 (bottom quartile).	Sharpe: 1.42 (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): 4.52% (bottom quartile).	Yield to maturity (debt): 6.88% (bottom quartile).	Yield to maturity (debt): 7.04% (upper mid).	Yield to maturity (debt): 7.21% (top quartile).	Yield to maturity (debt): 6.98% (lower mid).
Point 10	Modified duration: 1.20 yrs (top quartile).	Modified duration: 2.22 yrs (upper mid).	Modified duration: 2.67 yrs (lower mid).	Modified duration: 2.82 yrs (bottom quartile).	Modified duration: 2.68 yrs (bottom quartile).

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

Upper mid AUM (₹12,346 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.65% (upper mid).
1M return: 0.52% (lower mid).
Sharpe: 1.73 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.88% (bottom quartile).
Modified duration: 2.22 yrs (upper mid).

Nippon India Short Term Fund

Bottom quartile AUM (₹9,297 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 8.51% (lower mid).
1M return: 0.51% (bottom quartile).
Sharpe: 1.45 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.04% (upper mid).
Modified duration: 2.67 yrs (lower mid).

Aditya Birla Sun Life Short Term Opportunities Fund

Lower mid AUM (₹10,963 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 8.36% (bottom quartile).
1M return: 0.64% (top quartile).
Sharpe: 1.32 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.21% (top quartile).
Modified duration: 2.82 yrs (bottom quartile).

SBI Short Term Debt Fund

Highest AUM (₹17,442 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.35% (bottom quartile).
1M return: 0.53% (upper mid).
Sharpe: 1.42 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.98% (lower mid).
Modified duration: 2.68 yrs (bottom quartile).

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	₹2,974.7 ↑ 0.43	₹35,360	500	0.5	1.4	3	6.7	7.4	6%	1M 6D	1M 8D
Edelweiss Liquid Fund Growth	₹3,416.71 ↑ 0.49	₹10,621	5,000	0.5	1.5	3	6.6	7.3	5.98%	2M 5D	2M 5D
Canara Robeco Liquid Growth	₹3,215.48 ↑ 0.43	₹7,328	5,000	0.5	1.4	2.9	6.6	7.4	5.96%	1M 10D	1M 12D
Tata Liquid Fund Growth	₹4,207.44 ↑ 0.62	₹22,366	5,000	0.5	1.4	3	6.6	7.3	6.09%	2M 2D	2M 2D
UTI Liquid Cash Plan Growth	₹4,382.66 ↑ 0.64	₹28,885	500	0.5	1.4	3	6.6	7.3	6.01%	1M 12D	1M 12D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Nov 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 (₹35,360 Cr).	Bottom quartile AUM (₹10,621 Cr).	Bottom quartile AUM (₹7,328 Cr).	Lower mid AUM (₹22,366 Cr).	Upper mid AUM (₹28,885 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: 6.67% (top quartile).	1Y return: 6.64% (upper mid).	1Y return: 6.64% (lower mid).	1Y return: 6.63% (bottom quartile).	1Y return: 6.63% (bottom quartile).
Point 6	1M return: 0.49% (bottom quartile).	1M return: 0.49% (top quartile).	1M return: 0.49% (bottom quartile).	1M return: 0.49% (lower mid).	1M return: 0.49% (upper mid).
Point 7	Sharpe: 3.13 (upper mid).	Sharpe: 3.25 (top quartile).	Sharpe: 2.82 (bottom quartile).	Sharpe: 2.83 (lower mid).	Sharpe: 2.78 (bottom quartile).
Point 8	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.26 (top quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.00% (lower mid).	Yield to maturity (debt): 5.98% (bottom quartile).	Yield to maturity (debt): 5.96% (bottom quartile).	Yield to maturity (debt): 6.09% (top quartile).	Yield to maturity (debt): 6.01% (upper mid).
Point 10	Modified duration: 0.10 yrs (top quartile).	Modified duration: 0.18 yrs (bottom quartile).	Modified duration: 0.11 yrs (upper mid).	Modified duration: 0.17 yrs (bottom quartile).	Modified duration: 0.12 yrs (lower mid).

Axis Liquid Fund

Highest AUM (₹35,360 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.67% (top quartile).
1M return: 0.49% (bottom quartile).
Sharpe: 3.13 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.00% (lower mid).
Modified duration: 0.10 yrs (top quartile).

Edelweiss Liquid Fund

Bottom quartile AUM (₹10,621 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.64% (upper mid).
1M return: 0.49% (top quartile).
Sharpe: 3.25 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 5.98% (bottom quartile).
Modified duration: 0.18 yrs (bottom quartile).

Canara Robeco Liquid

Bottom quartile AUM (₹7,328 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.64% (lower mid).
1M return: 0.49% (bottom quartile).
Sharpe: 2.82 (bottom quartile).
Information ratio: 0.26 (top quartile).
Yield to maturity (debt): 5.96% (bottom quartile).
Modified duration: 0.11 yrs (upper mid).

Tata Liquid Fund

Lower mid AUM (₹22,366 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.63% (bottom quartile).
1M return: 0.49% (lower mid).
Sharpe: 2.83 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.09% (top quartile).
Modified duration: 0.17 yrs (bottom quartile).

UTI Liquid Cash Plan

Upper mid AUM (₹28,885 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.63% (bottom quartile).
1M return: 0.49% (upper mid).
Sharpe: 2.78 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.01% (upper mid).
Modified duration: 0.12 yrs (lower 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	₹104.329 ↑ 0.17	₹9,146	5,000	1.6	0.8	7.3	7.7	8.2	7.13%	6Y 1M 28D	17Y 5M 1D
Axis Gilt Fund Growth	₹25.7672 ↑ 0.05	₹576	5,000	1.8	-0.6	6.1	7.4	10	6.77%	7Y 3M 25D	18Y 6M 4D
SBI Magnum Gilt Fund Growth	₹66.4918 ↑ 0.13	₹11,055	5,000	1.8	-1	5.8	7.2	8.9	6.93%	8Y 5M 12D	16Y 4M 17D
DSP Government Securities Fund Growth	₹95.9194 ↑ 0.24	₹1,342	1,000	1.1	-1.7	4.9	7.1	10.1	7.07%	10Y 10M 20D	28Y 6M 25D
Bandhan Government Securities Fund - Investment Plan Growth	₹35.3671 ↑ 0.04	₹2,343	5,000	2.1	-1.4	4.6	7.1	10.6	6.67%	5Y 6M 14D	7Y 3M 7D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Nov 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Gilt Fund	Axis Gilt Fund	SBI Magnum Gilt Fund	DSP Government Securities Fund	Bandhan Government Securities Fund - Investment Plan
Point 1	Upper mid AUM (₹9,146 Cr).	Bottom quartile AUM (₹576 Cr).	Highest AUM (₹11,055 Cr).	Bottom quartile AUM (₹1,342 Cr).	Lower mid AUM (₹2,343 Cr).
Point 2	Oldest track record among peers (26 yrs).	Established history (13+ yrs).	Established history (24+ yrs).	Established history (26+ yrs).	Established history (16+ yrs).
Point 3	Top rated.	Rating: 1★ (bottom quartile).	Rating: 4★ (upper mid).	Rating: 3★ (lower 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: 7.26% (top quartile).	1Y return: 6.11% (upper mid).	1Y return: 5.77% (lower mid).	1Y return: 4.91% (bottom quartile).	1Y return: 4.58% (bottom quartile).
Point 6	1M return: -0.02% (lower mid).	1M return: -0.08% (bottom quartile).	1M return: 0.02% (upper mid).	1M return: -0.59% (bottom quartile).	1M return: 0.27% (top quartile).
Point 7	Sharpe: 0.35 (top quartile).	Sharpe: -0.11 (upper mid).	Sharpe: -0.19 (lower mid).	Sharpe: -0.30 (bottom quartile).	Sharpe: -0.44 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.13% (top quartile).	Yield to maturity (debt): 6.77% (bottom quartile).	Yield to maturity (debt): 6.93% (lower mid).	Yield to maturity (debt): 7.07% (upper mid).	Yield to maturity (debt): 6.67% (bottom quartile).
Point 10	Modified duration: 6.16 yrs (upper mid).	Modified duration: 7.32 yrs (lower mid).	Modified duration: 8.45 yrs (bottom quartile).	Modified duration: 10.89 yrs (bottom quartile).	Modified duration: 5.54 yrs (top quartile).

ICICI Prudential Gilt Fund

Upper mid AUM (₹9,146 Cr).
Oldest track record among peers (26 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 7.26% (top quartile).
1M return: -0.02% (lower mid).
Sharpe: 0.35 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.13% (top quartile).
Modified duration: 6.16 yrs (upper mid).

Axis Gilt Fund

Bottom quartile AUM (₹576 Cr).
Established history (13+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.11% (upper mid).
1M return: -0.08% (bottom quartile).
Sharpe: -0.11 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.77% (bottom quartile).
Modified duration: 7.32 yrs (lower mid).

SBI Magnum Gilt Fund

Highest AUM (₹11,055 Cr).
Established history (24+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 5.77% (lower mid).
1M return: 0.02% (upper mid).
Sharpe: -0.19 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.93% (lower mid).
Modified duration: 8.45 yrs (bottom quartile).

DSP Government Securities Fund

Bottom quartile AUM (₹1,342 Cr).
Established history (26+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 4.91% (bottom quartile).
1M return: -0.59% (bottom quartile).
Sharpe: -0.30 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.07% (upper mid).
Modified duration: 10.89 yrs (bottom quartile).

Bandhan Government Securities Fund - Investment Plan

Lower mid AUM (₹2,343 Cr).
Established history (16+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 4.58% (bottom quartile).
1M return: 0.27% (top quartile).
Sharpe: -0.44 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.67% (bottom quartile).
Modified duration: 5.54 yrs (top quartile).

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
BNP Paribas Corporate Bond Fund Growth	₹28.2983 ↑ 0.02	₹436	5,000	1.9	2.6	9	8	8.3	6.81%	3Y 5M 26D	4Y 9M 11D
Nippon India Prime Debt Fund Growth	₹61.6368 ↑ 0.04	₹10,732	1,000	1.8	2.4	8.5	8	8.4	6.98%	3Y 9M	5Y 29D
ICICI Prudential Corporate Bond Fund Growth	₹30.6959 ↑ 0.02	₹34,630	5,000	1.9	3	8.4	7.9	8	6.95%	3Y 1M 6D	5Y 8M 1D
Aditya Birla Sun Life Corporate Bond Fund Growth	₹115.783 ↑ 0.12	₹30,132	1,000	2	2.2	8	7.9	8.5	7.13%	4Y 10M 13D	7Y 7M 2D
HDFC Corporate Bond Fund Growth	₹33.3705 ↑ 0.03	₹36,134	5,000	1.8	2.1	7.9	7.8	8.6	6.97%	4Y 3M 7D	7Y 29D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Nov 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	BNP Paribas Corporate Bond Fund	Nippon India Prime Debt Fund	ICICI Prudential Corporate Bond Fund	Aditya Birla Sun Life Corporate Bond Fund	HDFC Corporate Bond Fund
Point 1	Bottom quartile AUM (₹436 Cr).	Bottom quartile AUM (₹10,732 Cr).	Upper mid AUM (₹34,630 Cr).	Lower mid AUM (₹30,132 Cr).	Highest AUM (₹36,134 Cr).
Point 2	Established history (17+ yrs).	Established history (25+ yrs).	Established history (16+ yrs).	Oldest track record among peers (28 yrs).	Established history (15+ yrs).
Point 3	Rating: 3★ (bottom quartile).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Top rated.	Rating: 5★ (upper mid).
Point 4	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.
Point 5	1Y return: 8.95% (top quartile).	1Y return: 8.48% (upper mid).	1Y return: 8.37% (lower mid).	1Y return: 8.05% (bottom quartile).	1Y return: 7.93% (bottom quartile).
Point 6	1M return: 0.53% (lower mid).	1M return: 0.52% (bottom quartile).	1M return: 0.59% (top quartile).	1M return: 0.56% (upper mid).	1M return: 0.46% (bottom quartile).
Point 7	Sharpe: 1.30 (upper mid).	Sharpe: 1.11 (lower mid).	Sharpe: 1.56 (top quartile).	Sharpe: 0.79 (bottom quartile).	Sharpe: 0.78 (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): 6.81% (bottom quartile).	Yield to maturity (debt): 6.98% (upper mid).	Yield to maturity (debt): 6.95% (bottom quartile).	Yield to maturity (debt): 7.13% (top quartile).	Yield to maturity (debt): 6.97% (lower mid).
Point 10	Modified duration: 3.49 yrs (upper mid).	Modified duration: 3.75 yrs (lower mid).	Modified duration: 3.10 yrs (top quartile).	Modified duration: 4.87 yrs (bottom quartile).	Modified duration: 4.27 yrs (bottom quartile).

BNP Paribas Corporate Bond Fund

Bottom quartile AUM (₹436 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.95% (top quartile).
1M return: 0.53% (lower mid).
Sharpe: 1.30 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 3.49 yrs (upper mid).

Nippon India Prime Debt Fund

Bottom quartile AUM (₹10,732 Cr).
Established history (25+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.48% (upper mid).
1M return: 0.52% (bottom quartile).
Sharpe: 1.11 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.98% (upper mid).
Modified duration: 3.75 yrs (lower mid).

ICICI Prudential Corporate Bond Fund

Upper mid AUM (₹34,630 Cr).
Established history (16+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.37% (lower mid).
1M return: 0.59% (top quartile).
Sharpe: 1.56 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.95% (bottom quartile).
Modified duration: 3.10 yrs (top quartile).

Aditya Birla Sun Life Corporate Bond Fund

Lower mid AUM (₹30,132 Cr).
Oldest track record among peers (28 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 8.05% (bottom quartile).
1M return: 0.56% (upper mid).
Sharpe: 0.79 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.13% (top quartile).
Modified duration: 4.87 yrs (bottom quartile).

HDFC Corporate Bond Fund

Highest AUM (₹36,134 Cr).
Established history (15+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.93% (bottom quartile).
1M return: 0.46% (bottom quartile).
Sharpe: 0.78 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.97% (lower mid).
Modified duration: 4.27 yrs (bottom 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	₹50.624 ↑ 0.05	₹208	1,000	1.5	3.1	21.6	14.8	7.8	7.1%	2Y 29D	2Y 10M 24D
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	₹23.2251 ↑ 0.02	₹1,073	1,000	2.5	4.5	13.9	10.8	11.9	7.74%	2Y 1M 13D	3Y 1M 13D
Invesco India Credit Risk Fund Growth	₹1,975.31 ↑ 1.84	₹153	5,000	1.7	2.4	9.7	9.4	7.3	6.79%	2Y 3M 22D	3Y 29D
Nippon India Credit Risk Fund Growth	₹36.1486 ↑ 0.02	₹1,003	500	1.9	3.8	9.3	8.4	8.3	8.23%	1Y 11M 19D	2Y 2M 26D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Nov 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 (₹208 Cr).	Bottom quartile AUM (₹104 Cr).	Highest AUM (₹1,073 Cr).	Bottom quartile AUM (₹153 Cr).	Upper mid AUM (₹1,003 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: 21.61% (top quartile).	1Y return: 7.45% (bottom quartile).	1Y return: 13.94% (upper mid).	1Y return: 9.70% (lower mid).	1Y return: 9.32% (bottom quartile).
Point 6	1M return: 0.44% (bottom quartile).	1M return: 0.91% (top quartile).	1M return: 0.82% (upper mid).	1M return: 0.55% (bottom quartile).	1M return: 0.57% (lower mid).
Point 7	Sharpe: 1.56 (lower mid).	Sharpe: 0.29 (bottom quartile).	Sharpe: 1.96 (upper mid).	Sharpe: 1.22 (bottom quartile).	Sharpe: 2.98 (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): 7.10% (lower mid).	Yield to maturity (debt): 0.00% (bottom quartile).	Yield to maturity (debt): 7.74% (upper mid).	Yield to maturity (debt): 6.79% (bottom quartile).	Yield to maturity (debt): 8.23% (top quartile).
Point 10	Modified duration: 2.08 yrs (lower mid).	Modified duration: 0.00 yrs (top quartile).	Modified duration: 2.12 yrs (bottom quartile).	Modified duration: 2.31 yrs (bottom quartile).	Modified duration: 1.97 yrs (upper mid).

DSP Credit Risk Fund

Lower mid AUM (₹208 Cr).
Oldest track record among peers (22 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 21.61% (top quartile).
1M return: 0.44% (bottom quartile).
Sharpe: 1.56 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.10% (lower mid).
Modified duration: 2.08 yrs (lower 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% (top quartile).
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 (₹1,073 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 13.94% (upper mid).
1M return: 0.82% (upper mid).
Sharpe: 1.96 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.74% (upper mid).
Modified duration: 2.12 yrs (bottom quartile).

Invesco India Credit Risk Fund

Bottom quartile AUM (₹153 Cr).
Established history (11+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 9.70% (lower mid).
1M return: 0.55% (bottom quartile).
Sharpe: 1.22 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.79% (bottom quartile).
Modified duration: 2.31 yrs (bottom quartile).

Nippon India Credit Risk Fund

Upper mid AUM (₹1,003 Cr).
Established history (20+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderate.
1Y return: 9.32% (bottom quartile).
1M return: 0.57% (lower mid).
Sharpe: 2.98 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.23% (top quartile).
Modified duration: 1.97 yrs (upper 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 (%)
UTI Multi Asset Fund Growth	₹78.2675 ↓ -0.22	₹6,376	5,000	5.4	7.2	10.1	19.7	15.5	20.7
ICICI Prudential Multi-Asset Fund Growth	₹805.471 ↓ -1.77	₹71,900	5,000	5.5	8	16.8	19.6	23.7	16.1
ICICI Prudential Equity and Debt Fund Growth	₹408.94 ↓ -1.52	₹48,071	5,000	3.1	5.9	12.4	18.8	23.9	17.2
JM Equity Hybrid Fund Growth	₹120.861 ↓ -0.36	₹816	5,000	0.9	3.3	-1	18.4	18.2	27
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹37.67 ↓ -0.11	₹1,326	5,000	-0.8	0.8	0.4	17.8	20.3	25.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Nov 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Multi Asset Fund	ICICI Prudential Multi-Asset Fund	ICICI Prudential Equity and Debt Fund	JM Equity Hybrid Fund	BOI AXA Mid and Small Cap Equity and Debt Fund
Point 1	Lower mid AUM (₹6,376 Cr).	Highest AUM (₹71,900 Cr).	Upper mid AUM (₹48,071 Cr).	Bottom quartile AUM (₹816 Cr).	Bottom quartile AUM (₹1,326 Cr).
Point 2	Established history (17+ yrs).	Established history (23+ yrs).	Established history (26+ yrs).	Oldest track record among peers (30 yrs).	Established history (9+ yrs).
Point 3	Rating: 1★ (lower mid).	Rating: 2★ (upper mid).	Top rated.	Rating: 1★ (bottom quartile).	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: 15.48% (bottom quartile).	5Y return: 23.75% (upper mid).	5Y return: 23.93% (top quartile).	5Y return: 18.25% (bottom quartile).	5Y return: 20.33% (lower mid).
Point 6	3Y return: 19.74% (top quartile).	3Y return: 19.62% (upper mid).	3Y return: 18.84% (lower mid).	3Y return: 18.42% (bottom quartile).	3Y return: 17.76% (bottom quartile).
Point 7	1Y return: 10.08% (lower mid).	1Y return: 16.84% (top quartile).	1Y return: 12.40% (upper mid).	1Y return: -0.99% (bottom quartile).	1Y return: 0.40% (bottom quartile).
Point 8	1M return: 0.86% (top quartile).	1M return: 0.50% (upper mid).	1M return: 0.20% (lower mid).	1M return: -1.41% (bottom quartile).	1M return: -0.87% (bottom quartile).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 2.46 (top quartile).	Alpha: -7.75 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.24 (lower mid).	Sharpe: 0.86 (top quartile).	Sharpe: 0.36 (upper mid).	Sharpe: -0.53 (bottom quartile).	Sharpe: -0.19 (bottom quartile).

UTI Multi Asset Fund

Lower mid AUM (₹6,376 Cr).
Established history (17+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 15.48% (bottom quartile).
3Y return: 19.74% (top quartile).
1Y return: 10.08% (lower mid).
1M return: 0.86% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.24 (lower mid).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹71,900 Cr).
Established history (23+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 23.75% (upper mid).
3Y return: 19.62% (upper mid).
1Y return: 16.84% (top quartile).
1M return: 0.50% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.86 (top quartile).

ICICI Prudential Equity and Debt Fund

Upper mid AUM (₹48,071 Cr).
Established history (26+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 23.93% (top quartile).
3Y return: 18.84% (lower mid).
1Y return: 12.40% (upper mid).
1M return: 0.20% (lower mid).
Alpha: 2.46 (top quartile).
Sharpe: 0.36 (upper mid).

JM Equity Hybrid Fund

Bottom quartile AUM (₹816 Cr).
Oldest track record among peers (30 yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 18.25% (bottom quartile).
3Y return: 18.42% (bottom quartile).
1Y return: -0.99% (bottom quartile).
1M return: -1.41% (bottom quartile).
Alpha: -7.75 (bottom quartile).
Sharpe: -0.53 (bottom quartile).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,326 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 20.33% (lower mid).
3Y return: 17.76% (bottom quartile).
1Y return: 0.40% (bottom quartile).
1M return: -0.87% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.19 (bottom quartile).

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 (%)
ICICI Prudential Equity and Debt Fund Growth	₹408.94 ↓ -1.52	₹48,071	5,000	3.1	5.9	12.4	18.8	23.9	17.2
JM Equity Hybrid Fund Growth	₹120.861 ↓ -0.36	₹816	5,000	0.9	3.3	-1	18.4	18.2	27
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹37.67 ↓ -0.11	₹1,326	5,000	-0.8	0.8	0.4	17.8	20.3	25.8
UTI Hybrid Equity Fund Growth	₹414.137 ↓ -0.98	₹6,596	1,000	3.1	3.3	6.1	16.1	18.1	19.7
Sundaram Equity Hybrid Fund Growth	₹135.137 ↑ 0.78	₹1,954	5,000	0.5	10.5	27.1	16	14.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Nov 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Equity and Debt Fund	JM Equity Hybrid Fund	BOI AXA Mid and Small Cap Equity and Debt Fund	UTI Hybrid Equity Fund	Sundaram Equity Hybrid Fund
Point 1	Highest AUM (₹48,071 Cr).	Bottom quartile AUM (₹816 Cr).	Bottom quartile AUM (₹1,326 Cr).	Upper mid AUM (₹6,596 Cr).	Lower mid AUM (₹1,954 Cr).
Point 2	Established history (26+ yrs).	Oldest track record among peers (30 yrs).	Established history (9+ yrs).	Established history (30+ yrs).	Established history (25+ yrs).
Point 3	Top rated.	Rating: 1★ (bottom quartile).	Not Rated.	Rating: 3★ (upper mid).	Rating: 2★ (lower 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: 23.93% (top quartile).	5Y return: 18.25% (lower mid).	5Y return: 20.33% (upper mid).	5Y return: 18.14% (bottom quartile).	5Y return: 14.20% (bottom quartile).
Point 6	3Y return: 18.84% (top quartile).	3Y return: 18.42% (upper mid).	3Y return: 17.76% (lower mid).	3Y return: 16.07% (bottom quartile).	3Y return: 16.03% (bottom quartile).
Point 7	1Y return: 12.40% (upper mid).	1Y return: -0.99% (bottom quartile).	1Y return: 0.40% (bottom quartile).	1Y return: 6.08% (lower mid).	1Y return: 27.10% (top quartile).
Point 8	1M return: 0.20% (lower mid).	1M return: -1.41% (bottom quartile).	1M return: -0.87% (bottom quartile).	1M return: 1.20% (upper mid).	1M return: 1.80% (top quartile).
Point 9	Alpha: 2.46 (upper mid).	Alpha: -7.75 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: -2.84 (bottom quartile).	Alpha: 5.81 (top quartile).
Point 10	Sharpe: 0.36 (upper mid).	Sharpe: -0.53 (bottom quartile).	Sharpe: -0.19 (lower mid).	Sharpe: -0.20 (bottom quartile).	Sharpe: 2.64 (top quartile).

ICICI Prudential Equity and Debt Fund

Highest AUM (₹48,071 Cr).
Established history (26+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 23.93% (top quartile).
3Y return: 18.84% (top quartile).
1Y return: 12.40% (upper mid).
1M return: 0.20% (lower mid).
Alpha: 2.46 (upper mid).
Sharpe: 0.36 (upper mid).

JM Equity Hybrid Fund

Bottom quartile AUM (₹816 Cr).
Oldest track record among peers (30 yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 18.25% (lower mid).
3Y return: 18.42% (upper mid).
1Y return: -0.99% (bottom quartile).
1M return: -1.41% (bottom quartile).
Alpha: -7.75 (bottom quartile).
Sharpe: -0.53 (bottom quartile).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,326 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 20.33% (upper mid).
3Y return: 17.76% (lower mid).
1Y return: 0.40% (bottom quartile).
1M return: -0.87% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.19 (lower mid).

UTI Hybrid Equity Fund

Upper mid AUM (₹6,596 Cr).
Established history (30+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 18.14% (bottom quartile).
3Y return: 16.07% (bottom quartile).
1Y return: 6.08% (lower mid).
1M return: 1.20% (upper mid).
Alpha: -2.84 (bottom quartile).
Sharpe: -0.20 (bottom quartile).

Sundaram Equity Hybrid Fund

Lower mid AUM (₹1,954 Cr).
Established history (25+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 14.20% (bottom quartile).
3Y return: 16.03% (bottom quartile).
1Y return: 27.10% (top quartile).
1M return: 1.80% (top quartile).
Alpha: 5.81 (top quartile).
Sharpe: 2.64 (top quartile).

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 (%)
UTI Multi Asset Fund Growth	₹78.2675 ↓ -0.22	₹6,376	5,000	5.4	7.2	10.1	19.7	15.5	20.7
ICICI Prudential Multi-Asset Fund Growth	₹805.471 ↓ -1.77	₹71,900	5,000	5.5	8	16.8	19.6	23.7	16.1
ICICI Prudential Equity and Debt Fund Growth	₹408.94 ↓ -1.52	₹48,071	5,000	3.1	5.9	12.4	18.8	23.9	17.2
JM Equity Hybrid Fund Growth	₹120.861 ↓ -0.36	₹816	5,000	0.9	3.3	-1	18.4	18.2	27
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹37.67 ↓ -0.11	₹1,326	5,000	-0.8	0.8	0.4	17.8	20.3	25.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Nov 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Multi Asset Fund	ICICI Prudential Multi-Asset Fund	ICICI Prudential Equity and Debt Fund	JM Equity Hybrid Fund	BOI AXA Mid and Small Cap Equity and Debt Fund
Point 1	Lower mid AUM (₹6,376 Cr).	Highest AUM (₹71,900 Cr).	Upper mid AUM (₹48,071 Cr).	Bottom quartile AUM (₹816 Cr).	Bottom quartile AUM (₹1,326 Cr).
Point 2	Established history (17+ yrs).	Established history (23+ yrs).	Established history (26+ yrs).	Oldest track record among peers (30 yrs).	Established history (9+ yrs).
Point 3	Rating: 1★ (lower mid).	Rating: 2★ (upper mid).	Top rated.	Rating: 1★ (bottom quartile).	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: 15.48% (bottom quartile).	5Y return: 23.75% (upper mid).	5Y return: 23.93% (top quartile).	5Y return: 18.25% (bottom quartile).	5Y return: 20.33% (lower mid).
Point 6	3Y return: 19.74% (top quartile).	3Y return: 19.62% (upper mid).	3Y return: 18.84% (lower mid).	3Y return: 18.42% (bottom quartile).	3Y return: 17.76% (bottom quartile).
Point 7	1Y return: 10.08% (lower mid).	1Y return: 16.84% (top quartile).	1Y return: 12.40% (upper mid).	1Y return: -0.99% (bottom quartile).	1Y return: 0.40% (bottom quartile).
Point 8	1M return: 0.86% (top quartile).	1M return: 0.50% (upper mid).	1M return: 0.20% (lower mid).	1M return: -1.41% (bottom quartile).	1M return: -0.87% (bottom quartile).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 2.46 (top quartile).	Alpha: -7.75 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.24 (lower mid).	Sharpe: 0.86 (top quartile).	Sharpe: 0.36 (upper mid).	Sharpe: -0.53 (bottom quartile).	Sharpe: -0.19 (bottom quartile).

UTI Multi Asset Fund

Lower mid AUM (₹6,376 Cr).
Established history (17+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 15.48% (bottom quartile).
3Y return: 19.74% (top quartile).
1Y return: 10.08% (lower mid).
1M return: 0.86% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.24 (lower mid).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹71,900 Cr).
Established history (23+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 23.75% (upper mid).
3Y return: 19.62% (upper mid).
1Y return: 16.84% (top quartile).
1M return: 0.50% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.86 (top quartile).

ICICI Prudential Equity and Debt Fund

Upper mid AUM (₹48,071 Cr).
Established history (26+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 23.93% (top quartile).
3Y return: 18.84% (lower mid).
1Y return: 12.40% (upper mid).
1M return: 0.20% (lower mid).
Alpha: 2.46 (top quartile).
Sharpe: 0.36 (upper mid).

JM Equity Hybrid Fund

Bottom quartile AUM (₹816 Cr).
Oldest track record among peers (30 yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 18.25% (bottom quartile).
3Y return: 18.42% (bottom quartile).
1Y return: -0.99% (bottom quartile).
1M return: -1.41% (bottom quartile).
Alpha: -7.75 (bottom quartile).
Sharpe: -0.53 (bottom quartile).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,326 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 20.33% (lower mid).
3Y return: 17.76% (bottom quartile).
1Y return: 0.40% (bottom quartile).
1M return: -0.87% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.19 (bottom quartile).

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	₹35.8458 ↓ -0.01	₹10,106	5,000	1.4	3	6.5	7.2	5.8	7.7
SBI Arbitrage Opportunities Fund Growth	₹34.5793 ↓ -0.01	₹39,859	5,000	1.4	3	6.5	7.2	5.9	7.5
Kotak Equity Arbitrage Fund Growth	₹38.3105 ↓ -0.01	₹72,279	5,000	1.4	2.9	6.4	7.3	6	7.8
Invesco India Arbitrage Fund Growth	₹32.6387 ↓ -0.01	₹27,151	5,000	1.4	3	6.4	7.2	5.9	7.6
ICICI Prudential Equity Arbitrage Fund Growth	₹35.0743 ↓ -0.01	₹32,196	5,000	1.4	2.9	6.4	7.1	5.8	7.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Nov 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Arbitrage Fund	SBI Arbitrage Opportunities Fund	Kotak Equity Arbitrage Fund	Invesco India Arbitrage Fund	ICICI Prudential Equity Arbitrage Fund
Point 1	Bottom quartile AUM (₹10,106 Cr).	Upper mid AUM (₹39,859 Cr).	Highest AUM (₹72,279 Cr).	Bottom quartile AUM (₹27,151 Cr).	Lower mid AUM (₹32,196 Cr).
Point 2	Established history (19+ yrs).	Established history (19+ yrs).	Oldest track record among peers (20 yrs).	Established history (18+ yrs).	Established history (18+ yrs).
Point 3	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Top rated.	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.
Point 5	5Y return: 5.80% (bottom quartile).	5Y return: 5.93% (lower mid).	5Y return: 5.96% (top quartile).	5Y return: 5.94% (upper mid).	5Y return: 5.78% (bottom quartile).
Point 6	3Y return: 7.19% (bottom quartile).	3Y return: 7.24% (upper mid).	3Y return: 7.28% (top quartile).	3Y return: 7.20% (lower mid).	3Y return: 7.10% (bottom quartile).
Point 7	1Y return: 6.53% (top quartile).	1Y return: 6.47% (upper mid).	1Y return: 6.42% (lower mid).	1Y return: 6.41% (bottom quartile).	1Y return: 6.39% (bottom quartile).
Point 8	1M return: 0.48% (top quartile).	1M return: 0.44% (bottom quartile).	1M return: 0.45% (lower mid).	1M return: 0.47% (upper mid).	1M return: 0.43% (bottom quartile).
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: 0.85 (top quartile).	Sharpe: 0.79 (upper mid).	Sharpe: 0.58 (lower mid).	Sharpe: 0.55 (bottom quartile).	Sharpe: 0.55 (bottom quartile).

UTI Arbitrage Fund

Bottom quartile AUM (₹10,106 Cr).
Established history (19+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
5Y return: 5.80% (bottom quartile).
3Y return: 7.19% (bottom quartile).
1Y return: 6.53% (top quartile).
1M return: 0.48% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.85 (top quartile).

SBI Arbitrage Opportunities Fund

Upper mid AUM (₹39,859 Cr).
Established history (19+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
5Y return: 5.93% (lower mid).
3Y return: 7.24% (upper mid).
1Y return: 6.47% (upper mid).
1M return: 0.44% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.79 (upper mid).

Kotak Equity Arbitrage Fund

Highest AUM (₹72,279 Cr).
Oldest track record among peers (20 yrs).
Top rated.
Risk profile: Moderately Low.
5Y return: 5.96% (top quartile).
3Y return: 7.28% (top quartile).
1Y return: 6.42% (lower mid).
1M return: 0.45% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.58 (lower mid).

Invesco India Arbitrage Fund

Bottom quartile AUM (₹27,151 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
5Y return: 5.94% (upper mid).
3Y return: 7.20% (lower mid).
1Y return: 6.41% (bottom quartile).
1M return: 0.47% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.55 (bottom quartile).

ICICI Prudential Equity Arbitrage Fund

Lower mid AUM (₹32,196 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
5Y return: 5.78% (bottom quartile).
3Y return: 7.10% (bottom quartile).
1Y return: 6.39% (bottom quartile).
1M return: 0.43% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.55 (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	₹21.56 ↓ -0.05	₹3,721	5,000	3.1	3.6	6.8	13.8	12.2	17.5
ICICI Prudential Balanced Advantage Fund Growth	₹76.91 ↓ -0.12	₹68,450	5,000	3	5.8	11.4	13.4	13.4	12.3
Aditya Birla Sun Life Balanced Advantage Fund Growth	₹108.92 ↓ -0.11	₹8,617	1,000	2.3	3.6	9	12.6	11.9	13
Invesco India Dynamic Equity Fund Growth	₹54.81 ↓ -0.16	₹1,091	5,000	1.6	3.6	4.4	12.4	11.5	15.9
DSP Dynamic Asset Allocation Fund Growth	₹28.338 ↓ -0.07	₹3,636	1,000	2.7	3.8	8.2	12.3	9.7	12.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Nov 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	DSP Dynamic Asset Allocation Fund
Point 1	Lower mid AUM (₹3,721 Cr).	Highest AUM (₹68,450 Cr).	Upper mid AUM (₹8,617 Cr).	Bottom quartile AUM (₹1,091 Cr).	Bottom quartile AUM (₹3,636 Cr).
Point 2	Established history (8+ yrs).	Established history (18+ yrs).	Oldest track record among peers (25 yrs).	Established history (18+ yrs).	Established history (11+ yrs).
Point 3	Not Rated.	Top rated.	Rating: 3★ (upper mid).	Rating: 2★ (lower mid).	Rating: 1★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.
Point 5	5Y return: 12.25% (upper mid).	5Y return: 13.38% (top quartile).	5Y return: 11.92% (lower mid).	5Y return: 11.52% (bottom quartile).	5Y return: 9.72% (bottom quartile).
Point 6	3Y return: 13.85% (top quartile).	3Y return: 13.35% (upper mid).	3Y return: 12.58% (lower mid).	3Y return: 12.38% (bottom quartile).	3Y return: 12.27% (bottom quartile).
Point 7	1Y return: 6.79% (bottom quartile).	1Y return: 11.35% (top quartile).	1Y return: 8.96% (upper mid).	1Y return: 4.42% (bottom quartile).	1Y return: 8.23% (lower mid).
Point 8	1M return: 0.70% (upper mid).	1M return: 0.40% (lower mid).	1M return: 0.19% (bottom quartile).	1M return: 0.31% (bottom quartile).	1M return: 0.73% (top quartile).
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: -0.02 (bottom quartile).	Sharpe: 0.55 (top quartile).	Sharpe: 0.22 (upper mid).	Sharpe: -0.14 (bottom quartile).	Sharpe: 0.09 (lower mid).

Axis Dynamic Equity Fund

Lower mid AUM (₹3,721 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 12.25% (upper mid).
3Y return: 13.85% (top quartile).
1Y return: 6.79% (bottom quartile).
1M return: 0.70% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: -0.02 (bottom quartile).

ICICI Prudential Balanced Advantage Fund

Highest AUM (₹68,450 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 13.38% (top quartile).
3Y return: 13.35% (upper mid).
1Y return: 11.35% (top quartile).
1M return: 0.40% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.55 (top quartile).

Aditya Birla Sun Life Balanced Advantage Fund

Upper mid AUM (₹8,617 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 11.92% (lower mid).
3Y return: 12.58% (lower mid).
1Y return: 8.96% (upper mid).
1M return: 0.19% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.22 (upper mid).

Invesco India Dynamic Equity Fund

Bottom quartile AUM (₹1,091 Cr).
Established history (18+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 11.52% (bottom quartile).
3Y return: 12.38% (bottom quartile).
1Y return: 4.42% (bottom quartile).
1M return: 0.31% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.14 (bottom quartile).

DSP Dynamic Asset Allocation Fund

Bottom quartile AUM (₹3,636 Cr).
Established history (11+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
5Y return: 9.72% (bottom quartile).
3Y return: 12.27% (bottom quartile).
1Y return: 8.23% (lower mid).
1M return: 0.73% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.09 (lower mid).

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	₹78.2675 ↓ -0.22	₹6,376	5,000	5.4	7.2	10.1	19.7	15.5	20.7
ICICI Prudential Multi-Asset Fund Growth	₹805.471 ↓ -1.77	₹71,900	5,000	5.5	8	16.8	19.6	23.7	16.1
SBI Multi Asset Allocation Fund Growth	₹63.2501 ↓ -0.09	₹11,306	5,000	6.4	9.2	14.7	17.2	14.9	12.8
Edelweiss Multi Asset Allocation Fund Growth	₹64.63 ↓ -0.29	₹3,317	5,000	1.5	3.6	7.6	16.2	17.6	20.2
HDFC Multi-Asset Fund Growth	₹74.743 ↓ -0.13	₹5,149	5,000	4.1	6	11.7	14.3	14.7	13.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Nov 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 (₹6,376 Cr).	Highest AUM (₹71,900 Cr).	Upper mid AUM (₹11,306 Cr).	Bottom quartile AUM (₹3,317 Cr).	Bottom quartile AUM (₹5,149 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: 15.48% (lower mid).	5Y return: 23.75% (top quartile).	5Y return: 14.90% (bottom quartile).	5Y return: 17.57% (upper mid).	5Y return: 14.66% (bottom quartile).
Point 6	3Y return: 19.74% (top quartile).	3Y return: 19.62% (upper mid).	3Y return: 17.15% (lower mid).	3Y return: 16.25% (bottom quartile).	3Y return: 14.30% (bottom quartile).
Point 7	1Y return: 10.08% (bottom quartile).	1Y return: 16.84% (top quartile).	1Y return: 14.69% (upper mid).	1Y return: 7.63% (bottom quartile).	1Y return: 11.69% (lower mid).
Point 8	1M return: 0.86% (upper mid).	1M return: 0.50% (bottom quartile).	1M return: 1.21% (top quartile).	1M return: -0.40% (bottom quartile).	1M return: 0.51% (lower mid).
Point 9	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: -0.11 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.24 (bottom quartile).	Sharpe: 0.86 (top quartile).	Sharpe: 0.70 (upper mid).	Sharpe: 0.08 (bottom quartile).	Sharpe: 0.55 (lower mid).

UTI Multi Asset Fund

Lower mid AUM (₹6,376 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.48% (lower mid).
3Y return: 19.74% (top quartile).
1Y return: 10.08% (bottom quartile).
1M return: 0.86% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 0.24 (bottom quartile).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹71,900 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 23.75% (top quartile).
3Y return: 19.62% (upper mid).
1Y return: 16.84% (top quartile).
1M return: 0.50% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.86 (top quartile).

SBI Multi Asset Allocation Fund

Upper mid AUM (₹11,306 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 14.90% (bottom quartile).
3Y return: 17.15% (lower mid).
1Y return: 14.69% (upper mid).
1M return: 1.21% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.70 (upper mid).

Edelweiss Multi Asset Allocation Fund

Bottom quartile AUM (₹3,317 Cr).
Established history (16+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.57% (upper mid).
3Y return: 16.25% (bottom quartile).
1Y return: 7.63% (bottom quartile).
1M return: -0.40% (bottom quartile).
Alpha: -0.11 (bottom quartile).
Sharpe: 0.08 (bottom quartile).

HDFC Multi-Asset Fund

Bottom quartile AUM (₹5,149 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
5Y return: 14.66% (bottom quartile).
3Y return: 14.30% (bottom quartile).
1Y return: 11.69% (lower mid).
1M return: 0.51% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.55 (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	₹27.1434 ↓ -0.06	₹9,023	5,000	3.1	5.7	8.7	11.7	11	11.7
SBI Equity Savings Fund Growth	₹24.4366 ↓ -0.10	₹5,993	1,000	1.4	3.5	6.6	11.5	10.8	12
Edelweiss Equity Savings Fund Growth	₹25.918 ↓ -0.05	₹1,028	5,000	1.7	4.7	9.4	11	10.3	13.4
DSP Equity Savings Fund Growth	₹22.16 ↓ -0.04	₹3,841	1,000	1.6	2.1	5.7	10	10	12.1
HDFC Equity Savings Fund Growth	₹67.459 ↓ -0.11	₹5,823	5,000	2.2	3.2	6.5	10	11.5	10.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Nov 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Kotak Equity Savings Fund	SBI Equity Savings Fund	Edelweiss Equity Savings Fund	DSP Equity Savings Fund	HDFC Equity Savings Fund
Point 1	Highest AUM (₹9,023 Cr).	Upper mid AUM (₹5,993 Cr).	Bottom quartile AUM (₹1,028 Cr).	Bottom quartile AUM (₹3,841 Cr).	Lower mid AUM (₹5,823 Cr).
Point 2	Established history (11+ yrs).	Established history (10+ yrs).	Established history (11+ yrs).	Established history (9+ yrs).	Oldest track record among peers (21 yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.	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: 10.97% (upper mid).	5Y return: 10.77% (lower mid).	5Y return: 10.26% (bottom quartile).	5Y return: 9.97% (bottom quartile).	5Y return: 11.48% (top quartile).
Point 6	3Y return: 11.71% (top quartile).	3Y return: 11.54% (upper mid).	3Y return: 10.96% (lower mid).	3Y return: 10.00% (bottom quartile).	3Y return: 9.99% (bottom quartile).
Point 7	1Y return: 8.67% (upper mid).	1Y return: 6.59% (lower mid).	1Y return: 9.42% (top quartile).	1Y return: 5.74% (bottom quartile).	1Y return: 6.46% (bottom quartile).
Point 8	1M return: 0.90% (top quartile).	1M return: 0.58% (upper mid).	1M return: -0.01% (bottom quartile).	1M return: 0.11% (bottom quartile).	1M return: 0.49% (lower 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: 0.26 (upper mid).	Sharpe: -0.11 (lower mid).	Sharpe: 0.67 (top quartile).	Sharpe: -0.39 (bottom quartile).	Sharpe: -0.14 (bottom quartile).

Kotak Equity Savings Fund

Highest AUM (₹9,023 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 10.97% (upper mid).
3Y return: 11.71% (top quartile).
1Y return: 8.67% (upper mid).
1M return: 0.90% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.26 (upper mid).

SBI Equity Savings Fund

Upper mid AUM (₹5,993 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 10.77% (lower mid).
3Y return: 11.54% (upper mid).
1Y return: 6.59% (lower mid).
1M return: 0.58% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.11 (lower mid).

Edelweiss Equity Savings Fund

Bottom quartile AUM (₹1,028 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 10.26% (bottom quartile).
3Y return: 10.96% (lower mid).
1Y return: 9.42% (top quartile).
1M return: -0.01% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.67 (top quartile).

DSP Equity Savings Fund

Bottom quartile AUM (₹3,841 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 9.97% (bottom quartile).
3Y return: 10.00% (bottom quartile).
1Y return: 5.74% (bottom quartile).
1M return: 0.11% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.39 (bottom quartile).

HDFC Equity Savings Fund

Lower mid AUM (₹5,823 Cr).
Oldest track record among peers (21 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 11.48% (top quartile).
3Y return: 9.99% (bottom quartile).
1Y return: 6.46% (bottom quartile).
1M return: 0.49% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.14 (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	₹51.734 ↓ -0.21	₹6,969	5,000	2.3	3	5.9	18	22.1	18
ICICI Prudential Child Care Plan (Gift) Growth	₹331.19 ↓ -0.44	₹1,412	5,000	-0.5	4.7	8.4	17.7	17.4	16.9
HDFC Retirement Savings Fund - Hybrid - Equity Plan Growth	₹39.408 ↓ -0.06	₹1,729	5,000	2.2	2.7	5.5	14.4	16	14
Tata Retirement Savings Fund - Progressive Growth	₹65.416 ↓ -0.41	₹2,117	5,000	0.3	1.5	2.7	15.3	14.3	21.7
Tata Retirement Savings Fund-Moderate Growth	₹64.9549 ↓ -0.34	₹2,180	5,000	1	2.5	4.2	14.5	13.6	19.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Nov 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 (₹6,969 Cr).	Bottom quartile AUM (₹1,412 Cr).	Bottom quartile AUM (₹1,729 Cr).	Lower mid AUM (₹2,117 Cr).	Upper mid AUM (₹2,180 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: 22.12% (top quartile).	5Y return: 17.44% (upper mid).	5Y return: 15.98% (lower mid).	5Y return: 14.31% (bottom quartile).	5Y return: 13.58% (bottom quartile).
Point 6	3Y return: 18.02% (top quartile).	3Y return: 17.70% (upper mid).	3Y return: 14.38% (bottom quartile).	3Y return: 15.29% (lower mid).	3Y return: 14.50% (bottom quartile).
Point 7	1Y return: 5.86% (upper mid).	1Y return: 8.39% (top quartile).	1Y return: 5.51% (lower mid).	1Y return: 2.68% (bottom quartile).	1Y return: 4.21% (bottom quartile).
Point 8	1M return: 0.19% (upper mid).	1M return: -0.13% (lower mid).	1M return: 0.29% (top quartile).	1M return: -0.99% (bottom quartile).	1M return: -0.62% (bottom quartile).
Point 9	Alpha: -2.16 (bottom quartile).	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: -4.72 (bottom quartile).	Alpha: 0.00 (lower mid).
Point 10	Sharpe: -0.16 (upper mid).	Sharpe: 0.15 (top quartile).	Sharpe: -0.25 (bottom quartile).	Sharpe: -0.26 (bottom quartile).	Sharpe: -0.20 (lower mid).

HDFC Retirement Savings Fund - Equity Plan

Highest AUM (₹6,969 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 22.12% (top quartile).
3Y return: 18.02% (top quartile).
1Y return: 5.86% (upper mid).
1M return: 0.19% (upper mid).
Alpha: -2.16 (bottom quartile).
Sharpe: -0.16 (upper mid).

ICICI Prudential Child Care Plan (Gift)

Bottom quartile AUM (₹1,412 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 17.44% (upper mid).
3Y return: 17.70% (upper mid).
1Y return: 8.39% (top quartile).
1M return: -0.13% (lower mid).
Alpha: 0.00 (top quartile).
Sharpe: 0.15 (top quartile).

HDFC Retirement Savings Fund - Hybrid - Equity Plan

Bottom quartile AUM (₹1,729 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 15.98% (lower mid).
3Y return: 14.38% (bottom quartile).
1Y return: 5.51% (lower mid).
1M return: 0.29% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.25 (bottom quartile).

Tata Retirement Savings Fund - Progressive

Lower mid AUM (₹2,117 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 14.31% (bottom quartile).
3Y return: 15.29% (lower mid).
1Y return: 2.68% (bottom quartile).
1M return: -0.99% (bottom quartile).
Alpha: -4.72 (bottom quartile).
Sharpe: -0.26 (bottom quartile).

Tata Retirement Savings Fund-Moderate

Upper mid AUM (₹2,180 Cr).
Established history (14+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.58% (bottom quartile).
3Y return: 14.50% (bottom quartile).
1Y return: 4.21% (bottom quartile).
1M return: -0.62% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.20 (lower mid).

Best Lump sum Mutual Fund on 1 Month Performance

1. HDFC Long Term Advantage Fund

To generate long term capital appreciation from a portfolio that is predominantly in equity and equity related instruments

Research Highlights for HDFC Long Term Advantage Fund

Upper mid AUM (₹1,318 Cr).
Oldest track record among peers (24 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 17.39% (upper mid).
3Y return: 20.64% (top quartile).
1Y return: 35.51% (top quartile).
Alpha: 1.75 (upper mid).
Sharpe: 2.27 (top quartile).
Information ratio: -0.15 (lower mid).

Below is the key information for HDFC Long Term Advantage Fund

HDFC Long Term Advantage Fund Growth
Launch Date	2 Jan 01
NAV (14 Jan 22)	₹595.168 ↑ 0.28 (0.05 %)
Net Assets (Cr)	₹1,318 on 30 Nov 21
Category	Equity - ELSS
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.25
Sharpe Ratio	2.27
Information Ratio	-0.15
Alpha Ratio	1.75
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹16,669

HDFC Long Term Advantage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 Invest Now

Purchase not allowed

Returns for HDFC Long Term Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Jan 22

Duration	Returns
1 Month	4.4%
3 Month	1.2%
6 Month	15.4%
1 Year	35.5%
3 Year	20.6%
5 Year	17.4%
10 Year
15 Year
Since launch	21.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for HDFC Long Term Advantage Fund

Name	Since	Tenure

Data below for HDFC Long Term Advantage Fund as on 30 Nov 21

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

2. Aditya Birla Sun Life International Equity Fund - Plan B

An Open-ended diversified equity scheme with an objective to generate long-term growth of capital, by investing predominantly in a diversified portfolio of equity and equity related securities in the domestic and international markets.

Research Highlights for Aditya Birla Sun Life International Equity Fund - Plan B

Bottom quartile AUM (₹93 Cr).
Established history (18+ yrs).
Rating: 1★ (upper mid).
Risk profile: High.
5Y return: 8.98% (bottom quartile).
3Y return: 18.95% (lower mid).
1Y return: 13.75% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.85 (lower mid).
Information ratio: 0.00 (upper mid).

Below is the key information for Aditya Birla Sun Life International Equity Fund - Plan B

Aditya Birla Sun Life International Equity Fund - Plan B Growth
Launch Date	31 Oct 07
NAV (28 Jul 23)	₹28.8036 ↑ 0.07 (0.23 %)
Net Assets (Cr)	₹93 on 30 Jun 23
Category	Equity - Global
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆
Risk	High
Expense Ratio	2.6
Sharpe Ratio	0.85
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹15,350
31 Oct 22	₹14,570

Aditya Birla Sun Life International Equity Fund - Plan B 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 Aditya Birla Sun Life International Equity Fund - Plan B

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Jan 22

Duration	Returns
1 Month	4.2%
3 Month	10.3%
6 Month	10%
1 Year	13.8%
3 Year	18.9%
5 Year	9%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for Aditya Birla Sun Life International Equity Fund - Plan B

Name	Since	Tenure

Data below for Aditya Birla Sun Life International Equity Fund - Plan B as on 30 Jun 23

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

3. IDBI Nifty Index Fund

The investment objective of the scheme is to invest in the stocks and equity related instruments comprising the S&P CNX Nifty Index in the same weights as these stocks represented in the Index with the intent to replicate the performance of the Total Returns Index of S&P CNX Nifty index. The scheme will adopt a passive investment strategy and will seek to achieve the investment objective by minimizing the tracking error between the S&P CNX Nifty index (Total Returns Index) and the scheme.

Research Highlights for IDBI Nifty Index Fund

Lower mid AUM (₹208 Cr).
Established history (15+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 11.74% (lower mid).
3Y return: 20.28% (upper mid).
1Y return: 16.16% (upper mid).
1M return: 3.68% (lower mid).
Alpha: -1.03 (bottom quartile).
Sharpe: 1.04 (upper mid).
Information ratio: -3.93 (bottom quartile).

Below is the key information for IDBI Nifty Index Fund

IDBI Nifty Index Fund Growth
Launch Date	25 Jun 10
NAV (28 Jul 23)	₹36.2111 ↓ -0.02 (-0.06 %)
Net Assets (Cr)	₹208 on 30 Jun 23
Category	Others - Index Fund
AMC	IDBI Asset Management Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.9
Sharpe Ratio	1.04
Information Ratio	-3.93
Alpha Ratio	-1.03
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹15,089
31 Oct 22	₹15,444

IDBI Nifty Index Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518 Invest Now

Returns for IDBI Nifty Index Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Jan 22

Duration	Returns
1 Month	3.7%
3 Month	9.1%
6 Month	11.9%
1 Year	16.2%
3 Year	20.3%
5 Year	11.7%
10 Year
15 Year
Since launch	10.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for IDBI Nifty Index Fund

Name	Since	Tenure

Data below for IDBI Nifty Index Fund as on 30 Jun 23

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

4. SBI Technology Opportunities Fund

(Erstwhile SBI IT Fund)

To provide the investors maximum growth opportunity through equity investments in stocks of growth oriented sectors of the economy.

Research Highlights for SBI Technology Opportunities Fund

Highest AUM (₹4,934 Cr).
Established history (12+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: High.
5Y return: 20.76% (top quartile).
3Y return: 16.98% (bottom quartile).
1Y return: 6.62% (bottom quartile).
Alpha: 7.88 (top quartile).
Sharpe: 0.09 (bottom quartile).
Information ratio: 1.09 (top quartile).
Top sector: Technology.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding Infosys Ltd (~15.0%).
Top-3 holdings concentration ~36.0%.

Below is the key information for SBI Technology Opportunities Fund

SBI Technology Opportunities Fund Growth
Launch Date	9 Jan 13
NAV (21 Nov 25)	₹226.76 ↓ -0.35 (-0.15 %)
Net Assets (Cr)	₹4,934 on 31 Oct 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆
Risk	High
Expense Ratio	1.91
Sharpe Ratio	0.09
Information Ratio	1.09
Alpha Ratio	7.88
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-15 Days (0.5%),15 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹17,803
31 Oct 22	₹16,325
31 Oct 23	₹18,057
31 Oct 24	₹24,599
31 Oct 25	₹26,208

SBI Technology Opportunities 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 SBI Technology 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 14 Jan 22

Duration	Returns
1 Month	3.7%
3 Month	4%
6 Month	7.9%
1 Year	6.6%
3 Year	17%
5 Year	20.8%
10 Year
15 Year
Since launch	19.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	30.1%
2023	24.8%
2022	-15.5%
2021	66.4%
2020	47.3%
2019	12.2%
2018	17.1%
2017	13%
2016	-3.3%
2015	2.4%

Fund Manager information for SBI Technology Opportunities Fund

Name	Since	Tenure
Vivek Gedda	1 Apr 24	1.59 Yr.

Data below for SBI Technology Opportunities Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Technology	61.87%
Communication Services	20.35%
Consumer Cyclical	7.99%
Industrials	2.74%
Financial Services	2.53%
Health Care	0.98%
Consumer Defensive	0.72%

Asset Allocation

Asset Class	Value
Cash	2.82%
Equity	97.18%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Infosys Ltd (Technology) Equity, Since 31 Jan 03 \| INFY	15%	₹741 Cr	5,000,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 May 18 \| BHARTIARTL	14%	₹699 Cr	3,400,000
Coforge Ltd (Technology) Equity, Since 31 Aug 23 \| COFORGE	7%	₹338 Cr	1,900,000
LTIMindtree Ltd (Technology) Equity, Since 31 Oct 24 \| LTIM	6%	₹284 Cr	500,000
Firstsource Solutions Ltd (Technology) Equity, Since 31 Mar 23 \| FSL	5%	₹271 Cr	7,645,887
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Aug 24 \| 543320	5%	₹239 Cr	7,530,530
Cognizant Technology Solutions Corp Class A (Technology) Equity, Since 31 Jul 23 \| CTSH	4%	₹213 Cr	330,000
Blackbuck Ltd (Technology) Equity, Since 30 Nov 24 \| BLACKBUCK	4%	₹211 Cr	3,080,949 ↓ -455,584
Microsoft Corp (Technology) Equity, Since 31 Aug 20 \| MSFT	4%	₹175 Cr	38,000
Alphabet Inc Class A (Communication Services) Equity, Since 31 Dec 23 \| GOOGL	3%	₹140 Cr	56,000

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.