5 Best Performing Lump sum Investments 2026 - 2027

Updated on September 1, 2026 , 156706 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 2026

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
Invesco India Largecap Fund Growth	₹72.69 ↓ -0.01	₹1,847	5,000	7.6	6.9	5.2	13.7	10.6	5.5
Bandhan Large Cap Fund Growth	₹78.724 ↑ 0.04	₹2,061	5,000	6	2.1	2.6	12.7	9.7	8.2
BNP Paribas Large Cap Fund Growth	₹222.445 ↓ -0.23	₹2,632	5,000	4.6	0.8	2.2	11.6	9.8	4.4
ICICI Prudential Bluechip Fund Growth	₹107.52	₹80,962	5,000	2.9	-2.7	-2.2	11.4	11.1	11.3
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 India Top 100 Equity Fund	Invesco India Largecap Fund	Bandhan Large Cap Fund	BNP Paribas Large Cap Fund	ICICI Prudential Bluechip Fund
Point 1	Bottom quartile AUM (₹655 Cr).	Bottom quartile AUM (₹1,847 Cr).	Lower mid AUM (₹2,061 Cr).	Upper mid AUM (₹2,632 Cr).	Highest AUM (₹80,962 Cr).
Point 2	Established history (14+ yrs).	Established history (17+ yrs).	Established history (20+ yrs).	Oldest track record among peers (21 yrs).	Established history (18+ yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (bottom quartile).	Top rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 12.61% (top quartile).	5Y return: 10.60% (lower mid).	5Y return: 9.68% (bottom quartile).	5Y return: 9.81% (bottom quartile).	5Y return: 11.10% (upper mid).
Point 6	3Y return: 21.88% (top quartile).	3Y return: 13.71% (upper mid).	3Y return: 12.69% (lower mid).	3Y return: 11.62% (bottom quartile).	3Y return: 11.42% (bottom quartile).
Point 7	1Y return: 15.39% (top quartile).	1Y return: 5.18% (upper mid).	1Y return: 2.62% (lower mid).	1Y return: 2.15% (bottom quartile).	1Y return: -2.22% (bottom quartile).
Point 8	Alpha: 2.11 (lower mid).	Alpha: 3.75 (top quartile).	Alpha: 2.34 (upper mid).	Alpha: 0.42 (bottom quartile).	Alpha: -2.08 (bottom quartile).
Point 9	Sharpe: 1.09 (top quartile).	Sharpe: -0.25 (lower mid).	Sharpe: -0.35 (bottom quartile).	Sharpe: -0.13 (upper mid).	Sharpe: -0.30 (bottom quartile).
Point 10	Information ratio: 0.14 (bottom quartile).	Information ratio: 0.82 (top quartile).	Information ratio: 0.63 (lower mid).	Information ratio: 0.42 (bottom quartile).	Information ratio: 0.67 (upper mid).

IDBI India Top 100 Equity Fund

Bottom quartile AUM (₹655 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 12.61% (top quartile).
3Y return: 21.88% (top quartile).
1Y return: 15.39% (top quartile).
Alpha: 2.11 (lower mid).
Sharpe: 1.09 (top quartile).
Information ratio: 0.14 (bottom quartile).

Invesco India Largecap Fund

Bottom quartile AUM (₹1,847 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 10.60% (lower mid).
3Y return: 13.71% (upper mid).
1Y return: 5.18% (upper mid).
Alpha: 3.75 (top quartile).
Sharpe: -0.25 (lower mid).
Information ratio: 0.82 (top quartile).

Bandhan Large Cap Fund

Lower mid AUM (₹2,061 Cr).
Established history (20+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 9.68% (bottom quartile).
3Y return: 12.69% (lower mid).
1Y return: 2.62% (lower mid).
Alpha: 2.34 (upper mid).
Sharpe: -0.35 (bottom quartile).
Information ratio: 0.63 (lower mid).

BNP Paribas Large Cap Fund

Upper mid AUM (₹2,632 Cr).
Oldest track record among peers (21 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 9.81% (bottom quartile).
3Y return: 11.62% (bottom quartile).
1Y return: 2.15% (bottom quartile).
Alpha: 0.42 (bottom quartile).
Sharpe: -0.13 (upper mid).
Information ratio: 0.42 (bottom quartile).

ICICI Prudential Bluechip Fund

Highest AUM (₹80,962 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 11.10% (upper mid).
3Y return: 11.42% (bottom quartile).
1Y return: -2.22% (bottom quartile).
Alpha: -2.08 (bottom quartile).
Sharpe: -0.30 (bottom quartile).
Information ratio: 0.67 (upper mid).

About the Fincash Research Team

At Fincash, our mission is to help investors make informed, confident decisions. With over 10 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: 10+ 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	₹104.313 ↑ 0.32	₹40,036	5,000	15.6	18.5	-0.9	18.1	21.1	-12.1
Invesco India Mid Cap Fund Growth	₹199.74 ↑ 0.63	₹14,721	5,000	10.1	14.5	10.8	23.1	19	6.3
Edelweiss Mid Cap Fund Growth	₹110.242 ↑ 0.35	₹18,693	5,000	5.9	8.3	9.5	20.5	17.8	3.8
ICICI Prudential MidCap Fund Growth	₹348.07 ↑ 2.00	₹7,954	5,000	4.8	9.8	17.3	21.9	17.5	11.1
Sundaram Mid Cap Fund Growth	₹1,510.73 ↑ 7.65	₹14,504	5,000	6.5	7.8	9	18.9	16.6	4.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Motilal Oswal Midcap 30 Fund	Invesco India Mid Cap Fund	Edelweiss Mid Cap Fund	ICICI Prudential MidCap Fund	Sundaram Mid Cap Fund
Point 1	Highest AUM (₹40,036 Cr).	Lower mid AUM (₹14,721 Cr).	Upper mid AUM (₹18,693 Cr).	Bottom quartile AUM (₹7,954 Cr).	Bottom quartile AUM (₹14,504 Cr).
Point 2	Established history (12+ yrs).	Established history (19+ yrs).	Established history (18+ yrs).	Established history (21+ yrs).	Oldest track record among peers (24 yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Top rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 21.14% (top quartile).	5Y return: 19.05% (upper mid).	5Y return: 17.76% (lower mid).	5Y return: 17.48% (bottom quartile).	5Y return: 16.56% (bottom quartile).
Point 6	3Y return: 18.07% (bottom quartile).	3Y return: 23.06% (top quartile).	3Y return: 20.51% (lower mid).	3Y return: 21.90% (upper mid).	3Y return: 18.87% (bottom quartile).
Point 7	1Y return: -0.90% (bottom quartile).	1Y return: 10.77% (upper mid).	1Y return: 9.46% (lower mid).	1Y return: 17.35% (top quartile).	1Y return: 8.98% (bottom quartile).
Point 8	Alpha: -9.71 (bottom quartile).	Alpha: 0.00 (bottom quartile).	Alpha: 0.40 (lower mid).	Alpha: 4.57 (top quartile).	Alpha: 1.07 (upper mid).
Point 9	Sharpe: -0.24 (bottom quartile).	Sharpe: 0.29 (lower mid).	Sharpe: 0.27 (bottom quartile).	Sharpe: 0.48 (top quartile).	Sharpe: 0.31 (upper mid).
Point 10	Information ratio: 0.06 (bottom quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.68 (upper mid).	Information ratio: 0.73 (top quartile).	Information ratio: 0.49 (lower mid).

Motilal Oswal Midcap 30 Fund

Highest AUM (₹40,036 Cr).
Established history (12+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 21.14% (top quartile).
3Y return: 18.07% (bottom quartile).
1Y return: -0.90% (bottom quartile).
Alpha: -9.71 (bottom quartile).
Sharpe: -0.24 (bottom quartile).
Information ratio: 0.06 (bottom quartile).

Invesco India Mid Cap Fund

Lower mid AUM (₹14,721 Cr).
Established history (19+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.05% (upper mid).
3Y return: 23.06% (top quartile).
1Y return: 10.77% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.29 (lower mid).
Information ratio: 0.00 (bottom quartile).

Edelweiss Mid Cap Fund

Upper mid AUM (₹18,693 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 17.76% (lower mid).
3Y return: 20.51% (lower mid).
1Y return: 9.46% (lower mid).
Alpha: 0.40 (lower mid).
Sharpe: 0.27 (bottom quartile).
Information ratio: 0.68 (upper mid).

ICICI Prudential MidCap Fund

Bottom quartile AUM (₹7,954 Cr).
Established history (21+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.48% (bottom quartile).
3Y return: 21.90% (upper mid).
1Y return: 17.35% (top quartile).
Alpha: 4.57 (top quartile).
Sharpe: 0.48 (top quartile).
Information ratio: 0.73 (top quartile).

Sundaram Mid Cap Fund

Bottom quartile AUM (₹14,504 Cr).
Oldest track record among peers (24 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 16.56% (bottom quartile).
3Y return: 18.87% (bottom quartile).
1Y return: 8.98% (bottom quartile).
Alpha: 1.07 (upper mid).
Sharpe: 0.31 (upper mid).
Information ratio: 0.49 (lower mid).

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 (%)
DSP Small Cap Fund Growth	₹233.333 ↑ 1.53	₹20,221	1,000	12.5	22.5	18.2	17.1	18.2	-2.8
IDBI Small Cap Fund Growth	₹35.7572 ↑ 0.43	₹758	5,000	13.7	28.3	18.1	18	17.8	-13.4
Sundaram Small Cap Fund Growth	₹297.954 ↑ 2.09	₹3,922	5,000	9.2	20.9	16.3	16.5	16.5	0.4
Franklin India Smaller Companies Fund Growth	₹179.965 ↑ 1.71	₹14,467	5,000	6.2	14.1	6.5	12.7	15.9	-8.4
HDFC Small Cap Fund Growth	₹140.194 ↑ 0.42	₹41,679	5,000	5.7	6.8	-1.5	10.4	14.7	-0.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP Small Cap Fund	IDBI Small Cap Fund	Sundaram Small Cap Fund	Franklin India Smaller Companies Fund	HDFC Small Cap Fund
Point 1	Upper mid AUM (₹20,221 Cr).	Bottom quartile AUM (₹758 Cr).	Bottom quartile AUM (₹3,922 Cr).	Lower mid AUM (₹14,467 Cr).	Highest AUM (₹41,679 Cr).
Point 2	Established history (19+ yrs).	Established history (9+ yrs).	Oldest track record among peers (21 yrs).	Established history (20+ yrs).	Established history (18+ yrs).
Point 3	Top rated.	Not Rated.	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).	Rating: 4★ (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: 18.24% (top quartile).	5Y return: 17.76% (upper mid).	5Y return: 16.46% (lower mid).	5Y return: 15.93% (bottom quartile).	5Y return: 14.67% (bottom quartile).
Point 6	3Y return: 17.15% (upper mid).	3Y return: 17.97% (top quartile).	3Y return: 16.46% (lower mid).	3Y return: 12.65% (bottom quartile).	3Y return: 10.36% (bottom quartile).
Point 7	1Y return: 18.23% (top quartile).	1Y return: 18.07% (upper mid).	1Y return: 16.28% (lower mid).	1Y return: 6.47% (bottom quartile).	1Y return: -1.54% (bottom quartile).
Point 8	Alpha: 0.00 (lower mid).	Alpha: 4.12 (upper mid).	Alpha: 5.33 (top quartile).	Alpha: -2.93 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 9	Sharpe: 0.30 (upper mid).	Sharpe: 0.26 (lower mid).	Sharpe: 0.31 (top quartile).	Sharpe: -0.05 (bottom quartile).	Sharpe: -0.26 (bottom quartile).
Point 10	Information ratio: 0.00 (top quartile).	Information ratio: -0.07 (bottom quartile).	Information ratio: -0.05 (lower mid).	Information ratio: -0.56 (bottom quartile).	Information ratio: 0.00 (upper mid).

DSP Small Cap Fund

Upper mid AUM (₹20,221 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 18.24% (top quartile).
3Y return: 17.15% (upper mid).
1Y return: 18.23% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.30 (upper mid).
Information ratio: 0.00 (top quartile).

IDBI Small Cap Fund

Bottom quartile AUM (₹758 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 17.76% (upper mid).
3Y return: 17.97% (top quartile).
1Y return: 18.07% (upper mid).
Alpha: 4.12 (upper mid).
Sharpe: 0.26 (lower mid).
Information ratio: -0.07 (bottom quartile).

Sundaram Small Cap Fund

Bottom quartile AUM (₹3,922 Cr).
Oldest track record among peers (21 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.46% (lower mid).
3Y return: 16.46% (lower mid).
1Y return: 16.28% (lower mid).
Alpha: 5.33 (top quartile).
Sharpe: 0.31 (top quartile).
Information ratio: -0.05 (lower mid).

Franklin India Smaller Companies Fund

Lower mid AUM (₹14,467 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 15.93% (bottom quartile).
3Y return: 12.65% (bottom quartile).
1Y return: 6.47% (bottom quartile).
Alpha: -2.93 (bottom quartile).
Sharpe: -0.05 (bottom quartile).
Information ratio: -0.56 (bottom quartile).

HDFC Small Cap Fund

Highest AUM (₹41,679 Cr).
Established history (18+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 14.67% (bottom quartile).
3Y return: 10.36% (bottom quartile).
1Y return: -1.54% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.26 (bottom quartile).
Information ratio: 0.00 (upper mid).

Top 5 Lump sum Diversified/Multi Cap Equity Mutual Fund

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
IDBI Diversified Equity Fund Growth	₹37.99 ↑ 0.14	₹382	5,000	10.2	13.2	13.5	22.7	12
Aditya Birla Sun Life Manufacturing Equity Fund Growth	₹40.36 ↑ 0.10	₹1,288	1,000	11.2	20.9	25.3	21.3	14.8	3.5
Motilal Oswal Multicap 35 Fund Growth	₹63.5794 ↓ -0.08	₹13,940	5,000	12.3	14.2	1.4	17.8	11.9	-5.6
BNP Paribas Multi Cap Fund Growth	₹73.5154 ↓ -0.01	₹588	5,000	-4.6	-2.6	19.3	17.3	13.6
Mahindra Badhat Yojana Growth	₹39.9177 ↓ -0.03	₹7,184	1,000	9.4	12.9	14.7	16.6	15	3.4
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	Aditya Birla Sun Life Manufacturing Equity Fund	Motilal Oswal Multicap 35 Fund	BNP Paribas Multi Cap Fund	Mahindra Badhat Yojana
Point 1	Bottom quartile AUM (₹382 Cr).	Lower mid AUM (₹1,288 Cr).	Highest AUM (₹13,940 Cr).	Bottom quartile AUM (₹588 Cr).	Upper mid AUM (₹7,184 Cr).
Point 2	Established history (12+ yrs).	Established history (11+ yrs).	Established history (12+ yrs).	Oldest track record among peers (20 yrs).	Established history (9+ yrs).
Point 3	Rating: 2★ (lower mid).	Not Rated.	Top rated.	Rating: 4★ (upper mid).	Not Rated.
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: 12.03% (bottom quartile).	5Y return: 14.81% (upper mid).	5Y return: 11.93% (bottom quartile).	5Y return: 13.57% (lower mid).	5Y return: 15.00% (top quartile).
Point 6	3Y return: 22.73% (top quartile).	3Y return: 21.27% (upper mid).	3Y return: 17.80% (lower mid).	3Y return: 17.28% (bottom quartile).	3Y return: 16.57% (bottom quartile).
Point 7	1Y return: 13.54% (bottom quartile).	1Y return: 25.34% (top quartile).	1Y return: 1.42% (bottom quartile).	1Y return: 19.34% (upper mid).	1Y return: 14.72% (lower mid).
Point 8	Alpha: -1.07 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: -3.79 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: 3.91 (top quartile).
Point 9	Sharpe: 1.01 (upper mid).	Sharpe: 0.85 (lower mid).	Sharpe: -0.26 (bottom quartile).	Sharpe: 2.86 (top quartile).	Sharpe: 0.25 (bottom quartile).
Point 10	Information ratio: -0.53 (bottom quartile).	Information ratio: 0.00 (lower mid).	Information ratio: 0.70 (top quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.62 (upper mid).

IDBI Diversified Equity Fund

Bottom quartile AUM (₹382 Cr).
Established history (12+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 12.03% (bottom quartile).
3Y return: 22.73% (top quartile).
1Y return: 13.54% (bottom quartile).
Alpha: -1.07 (bottom quartile).
Sharpe: 1.01 (upper mid).
Information ratio: -0.53 (bottom quartile).

Aditya Birla Sun Life Manufacturing Equity Fund

Lower mid AUM (₹1,288 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: High.
5Y return: 14.81% (upper mid).
3Y return: 21.27% (upper mid).
1Y return: 25.34% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.85 (lower mid).
Information ratio: 0.00 (lower mid).

Motilal Oswal Multicap 35 Fund

Highest AUM (₹13,940 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 11.93% (bottom quartile).
3Y return: 17.80% (lower mid).
1Y return: 1.42% (bottom quartile).
Alpha: -3.79 (bottom quartile).
Sharpe: -0.26 (bottom quartile).
Information ratio: 0.70 (top quartile).

BNP Paribas Multi Cap Fund

Bottom quartile AUM (₹588 Cr).
Oldest track record among peers (20 yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.57% (lower mid).
3Y return: 17.28% (bottom quartile).
1Y return: 19.34% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 2.86 (top quartile).
Information ratio: 0.00 (bottom quartile).

Mahindra Badhat Yojana

Upper mid AUM (₹7,184 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 15.00% (top quartile).
3Y return: 16.57% (bottom quartile).
1Y return: 14.72% (lower mid).
Alpha: 3.91 (top quartile).
Sharpe: 0.25 (bottom quartile).
Information ratio: 0.62 (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	₹57.6792 ↑ 0.23	₹4,784	500	7.4	20.4	12.6	21.6	16.1	-9.1
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
Baroda Pioneer ELSS 96 Growth	₹68.6676 ↑ 0.33	₹210	500	-6.1	-3.5	17.6	16.7	11.6
JM Tax Gain Fund Growth	₹52.6623 ↑ 0.41	₹242	500	10.2	13.7	8.2	15.6	13.5	2.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Motilal Oswal Long Term Equity Fund	IDBI Equity Advantage Fund	HDFC Long Term Advantage Fund	Baroda Pioneer ELSS 96	JM Tax Gain Fund
Point 1	Highest AUM (₹4,784 Cr).	Lower mid AUM (₹485 Cr).	Upper mid AUM (₹1,318 Cr).	Bottom quartile AUM (₹210 Cr).	Bottom quartile AUM (₹242 Cr).
Point 2	Established history (11+ yrs).	Established history (12+ yrs).	Oldest track record among peers (25 yrs).	Established history (11+ yrs).	Established history (18+ yrs).
Point 3	Not Rated.	Top rated.	Rating: 3★ (upper mid).	Not Rated.	Rating: 3★ (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: 16.05% (upper mid).	5Y return: 9.97% (bottom quartile).	5Y return: 17.39% (top quartile).	5Y return: 11.62% (bottom quartile).	5Y return: 13.49% (lower mid).
Point 6	3Y return: 21.56% (top quartile).	3Y return: 20.84% (upper mid).	3Y return: 20.64% (lower mid).	3Y return: 16.70% (bottom quartile).	3Y return: 15.59% (bottom quartile).
Point 7	1Y return: 12.58% (bottom quartile).	1Y return: 16.92% (lower mid).	1Y return: 35.51% (top quartile).	1Y return: 17.56% (upper mid).	1Y return: 8.24% (bottom quartile).
Point 8	Alpha: 2.11 (lower mid).	Alpha: 1.78 (bottom quartile).	Alpha: 1.75 (bottom quartile).	Alpha: 5.69 (top quartile).	Alpha: 5.40 (upper mid).
Point 9	Sharpe: 0.07 (bottom quartile).	Sharpe: 1.21 (lower mid).	Sharpe: 2.27 (upper mid).	Sharpe: 2.51 (top quartile).	Sharpe: 0.22 (bottom quartile).
Point 10	Information ratio: 0.65 (upper mid).	Information ratio: -1.13 (bottom quartile).	Information ratio: -0.15 (bottom quartile).	Information ratio: -0.09 (lower mid).	Information ratio: 0.70 (top quartile).

Motilal Oswal Long Term Equity Fund

Highest AUM (₹4,784 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.05% (upper mid).
3Y return: 21.56% (top quartile).
1Y return: 12.58% (bottom quartile).
Alpha: 2.11 (lower mid).
Sharpe: 0.07 (bottom quartile).
Information ratio: 0.65 (upper mid).

IDBI Equity Advantage Fund

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

HDFC Long Term Advantage Fund

Upper mid AUM (₹1,318 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.39% (top quartile).
3Y return: 20.64% (lower mid).
1Y return: 35.51% (top quartile).
Alpha: 1.75 (bottom quartile).
Sharpe: 2.27 (upper mid).
Information ratio: -0.15 (bottom quartile).

Baroda Pioneer ELSS 96

Bottom quartile AUM (₹210 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.62% (bottom quartile).
3Y return: 16.70% (bottom quartile).
1Y return: 17.56% (upper mid).
Alpha: 5.69 (top quartile).
Sharpe: 2.51 (top quartile).
Information ratio: -0.09 (lower mid).

JM Tax Gain Fund

Bottom quartile AUM (₹242 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 13.49% (lower mid).
3Y return: 15.59% (bottom quartile).
1Y return: 8.24% (bottom quartile).
Alpha: 5.40 (upper mid).
Sharpe: 0.22 (bottom quartile).
Information ratio: 0.70 (top quartile).

Top 5 Lump sum Sector Equity Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
UTI Healthcare Fund Growth	₹344.171 ↑ 1.53	₹1,371	5,000	13.1	21.9	17.9	24.2	15.1	-3.1
SBI Healthcare Opportunities Fund Growth	₹523.054 ↑ 1.44	₹5,400	5,000	13.9	21.9	21	23.8	17.3	-3.5
LIC MF Infrastructure Fund Growth	₹54.8008 ↑ 0.35	₹1,145	5,000	3.6	10.8	12.4	22.8	20.7	-3.7
SBI PSU Fund Growth	₹34.2656 ↑ 0.13	₹6,678	5,000	-1.2	-6.7	10.1	20.8	22.6	11.3
BOI AXA Manufacturing and Infrastructure Fund Growth	₹66.46 ↑ 0.02	₹893	5,000	5.9	13.7	17.6	20.7	19.6	7.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Healthcare Fund	SBI Healthcare Opportunities Fund	LIC MF Infrastructure Fund	SBI PSU Fund	BOI AXA Manufacturing and Infrastructure Fund
Point 1	Lower mid AUM (₹1,371 Cr).	Upper mid AUM (₹5,400 Cr).	Bottom quartile AUM (₹1,145 Cr).	Highest AUM (₹6,678 Cr).	Bottom quartile AUM (₹893 Cr).
Point 2	Oldest track record among peers (27 yrs).	Established history (21+ yrs).	Established history (18+ yrs).	Established history (16+ yrs).	Established history (16+ yrs).
Point 3	Rating: 1★ (lower mid).	Top rated.	Not Rated.	Rating: 2★ (upper mid).	Not Rated.
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 15.10% (bottom quartile).	5Y return: 17.27% (bottom quartile).	5Y return: 20.72% (upper mid).	5Y return: 22.61% (top quartile).	5Y return: 19.56% (lower mid).
Point 6	3Y return: 24.24% (top quartile).	3Y return: 23.83% (upper mid).	3Y return: 22.76% (lower mid).	3Y return: 20.83% (bottom quartile).	3Y return: 20.67% (bottom quartile).
Point 7	1Y return: 17.89% (upper mid).	1Y return: 20.97% (top quartile).	1Y return: 12.42% (bottom quartile).	1Y return: 10.14% (bottom quartile).	1Y return: 17.63% (lower mid).
Point 8	Alpha: 0.66 (lower mid).	Alpha: 3.75 (upper mid).	Alpha: 5.37 (top quartile).	Alpha: -0.89 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 9	Sharpe: 0.51 (lower mid).	Sharpe: 0.71 (top quartile).	Sharpe: 0.28 (bottom quartile).	Sharpe: 0.28 (bottom quartile).	Sharpe: 0.70 (upper mid).
Point 10	Information ratio: 0.05 (upper mid).	Information ratio: 0.02 (lower mid).	Information ratio: 0.56 (top quartile).	Information ratio: -0.34 (bottom quartile).	Information ratio: 0.00 (bottom quartile).

UTI Healthcare Fund

Lower mid AUM (₹1,371 Cr).
Oldest track record among peers (27 yrs).
Rating: 1★ (lower mid).
Risk profile: High.
5Y return: 15.10% (bottom quartile).
3Y return: 24.24% (top quartile).
1Y return: 17.89% (upper mid).
Alpha: 0.66 (lower mid).
Sharpe: 0.51 (lower mid).
Information ratio: 0.05 (upper mid).

SBI Healthcare Opportunities Fund

Upper mid AUM (₹5,400 Cr).
Established history (21+ yrs).
Top rated.
Risk profile: High.
5Y return: 17.27% (bottom quartile).
3Y return: 23.83% (upper mid).
1Y return: 20.97% (top quartile).
Alpha: 3.75 (upper mid).
Sharpe: 0.71 (top quartile).
Information ratio: 0.02 (lower mid).

LIC MF Infrastructure Fund

Bottom quartile AUM (₹1,145 Cr).
Established history (18+ yrs).
Not Rated.
Risk profile: High.
5Y return: 20.72% (upper mid).
3Y return: 22.76% (lower mid).
1Y return: 12.42% (bottom quartile).
Alpha: 5.37 (top quartile).
Sharpe: 0.28 (bottom quartile).
Information ratio: 0.56 (top quartile).

SBI PSU Fund

Highest AUM (₹6,678 Cr).
Established history (16+ yrs).
Rating: 2★ (upper mid).
Risk profile: High.
5Y return: 22.61% (top quartile).
3Y return: 20.83% (bottom quartile).
1Y return: 10.14% (bottom quartile).
Alpha: -0.89 (bottom quartile).
Sharpe: 0.28 (bottom quartile).
Information ratio: -0.34 (bottom quartile).

BOI AXA Manufacturing and Infrastructure Fund

Bottom quartile AUM (₹893 Cr).
Established history (16+ yrs).
Not Rated.
Risk profile: High.
5Y return: 19.56% (lower mid).
3Y return: 20.67% (bottom quartile).
1Y return: 17.63% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.70 (upper mid).
Information ratio: 0.00 (bottom quartile).

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	₹591.06 ↑ 0.43	₹18,189	1,000	2.2	3.4	6.5	7.3	7.4	7.45%	5M 26D	6M 18D
ICICI Prudential Ultra Short Term Fund Growth	₹29.8131 ↑ 0.02	₹15,455	5,000	2.1	3.4	6.4	7	7.1	7.17%	5M 8D	6M 18D
SBI Magnum Ultra Short Duration Fund Growth	₹6,424.84 ↑ 3.26	₹11,165	5,000	2.1	3.4	6.3	7	7	7%	4M 28D	8M 5D
Nippon India Ultra Short Duration Fund Growth	₹4,329.02 ↑ 2.30	₹11,659	100	2	3.4	6.3	6.8	6.8	7.31%	5M 18D	7M 18D
Invesco India Ultra Short Term Fund Growth	₹2,898 ↑ 1.23	₹1,073	5,000	2	3.5	6.3	6.9	6.8	7.03%	5M 3D	5M 7D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 26

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	Nippon India Ultra Short Duration Fund	Invesco India Ultra Short Term Fund
Point 1	Highest AUM (₹18,189 Cr).	Upper mid AUM (₹15,455 Cr).	Bottom quartile AUM (₹11,165 Cr).	Lower mid AUM (₹11,659 Cr).	Bottom quartile AUM (₹1,073 Cr).
Point 2	Established history (23+ yrs).	Established history (15+ yrs).	Oldest track record among peers (27 yrs).	Established history (24+ yrs).	Established history (15+ yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Low.	Risk profile: Low.	Risk profile: Moderate.
Point 5	1Y return: 6.49% (top quartile).	1Y return: 6.39% (upper mid).	1Y return: 6.35% (lower mid).	1Y return: 6.30% (bottom quartile).	1Y return: 6.27% (bottom quartile).
Point 6	1M return: 0.64% (upper mid).	1M return: 0.62% (bottom quartile).	1M return: 0.63% (lower mid).	1M return: 0.60% (bottom quartile).	1M return: 0.66% (top quartile).
Point 7	Sharpe: 0.81 (top quartile).	Sharpe: 0.81 (upper mid).	Sharpe: 0.71 (bottom quartile).	Sharpe: 0.72 (lower mid).	Sharpe: 0.56 (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): 7.45% (top quartile).	Yield to maturity (debt): 7.17% (lower mid).	Yield to maturity (debt): 7.00% (bottom quartile).	Yield to maturity (debt): 7.31% (upper mid).	Yield to maturity (debt): 7.03% (bottom quartile).
Point 10	Modified duration: 0.49 yrs (bottom quartile).	Modified duration: 0.44 yrs (lower mid).	Modified duration: 0.41 yrs (top quartile).	Modified duration: 0.47 yrs (bottom quartile).	Modified duration: 0.42 yrs (upper mid).

Aditya Birla Sun Life Savings Fund

Highest AUM (₹18,189 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.49% (top quartile).
1M return: 0.64% (upper mid).
Sharpe: 0.81 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.45% (top quartile).
Modified duration: 0.49 yrs (bottom quartile).

ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹15,455 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.39% (upper mid).
1M return: 0.62% (bottom quartile).
Sharpe: 0.81 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.17% (lower mid).
Modified duration: 0.44 yrs (lower mid).

SBI Magnum Ultra Short Duration Fund

Bottom quartile AUM (₹11,165 Cr).
Oldest track record among peers (27 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.35% (lower mid).
1M return: 0.63% (lower mid).
Sharpe: 0.71 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.00% (bottom quartile).
Modified duration: 0.41 yrs (top quartile).

Nippon India Ultra Short Duration Fund

Lower mid AUM (₹11,659 Cr).
Established history (24+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.30% (bottom quartile).
1M return: 0.60% (bottom quartile).
Sharpe: 0.72 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.31% (upper mid).
Modified duration: 0.47 yrs (bottom quartile).

Invesco India Ultra Short Term Fund

Bottom quartile AUM (₹1,073 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.27% (bottom quartile).
1M return: 0.66% (top quartile).
Sharpe: 0.56 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.03% (bottom quartile).
Modified duration: 0.42 yrs (upper mid).

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
Bandhan Bond Fund Short Term Plan Growth	₹61.1316 ↑ 0.06	₹9,279	5,000	2.5	3.3	6.2	7.3	7.5	7.06%	2Y 9M 18D	4Y 4D
ICICI Prudential Short Term Fund Growth	₹64.4626 ↑ 0.09	₹19,260	5,000	2.3	2.9	6	7.3	8	7.61%	2Y 11M 5D	4Y 10M 13D
Axis Short Term Fund Growth	₹33.0576 ↑ 0.05	₹8,010	5,000	2.3	2.8	5.8	7.3	8.1	7.4%	2Y 6M 22D	3Y 6M 14D
HDFC Short Term Debt Fund Growth	₹34.185 ↑ 0.05	₹15,081	5,000	2.2	2.7	5.7	7.3	7.8	7.48%	2Y 6M	3Y 6M 18D
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	Bandhan Bond Fund Short Term Plan	ICICI Prudential Short Term Fund	Axis Short Term Fund	HDFC Short Term Debt Fund
Point 1	Bottom quartile AUM (₹362 Cr).	Lower mid AUM (₹9,279 Cr).	Highest AUM (₹19,260 Cr).	Bottom quartile AUM (₹8,010 Cr).	Upper mid AUM (₹15,081 Cr).
Point 2	Established history (24+ yrs).	Oldest track record among peers (25 yrs).	Established history (24+ yrs).	Established history (16+ yrs).	Established history (16+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Rating: 2★ (bottom quartile).	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.
Point 5	1Y return: 12.83% (top quartile).	1Y return: 6.18% (upper mid).	1Y return: 6.01% (lower mid).	1Y return: 5.75% (bottom quartile).	1Y return: 5.67% (bottom quartile).
Point 6	1M return: 0.20% (bottom quartile).	1M return: 0.38% (top quartile).	1M return: 0.32% (upper mid).	1M return: 0.29% (lower mid).	1M return: 0.19% (bottom quartile).
Point 7	Sharpe: 0.98 (top quartile).	Sharpe: -0.09 (bottom quartile).	Sharpe: 0.06 (upper mid).	Sharpe: -0.05 (lower mid).	Sharpe: -0.06 (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): 4.52% (bottom quartile).	Yield to maturity (debt): 7.06% (bottom quartile).	Yield to maturity (debt): 7.61% (top quartile).	Yield to maturity (debt): 7.40% (lower mid).	Yield to maturity (debt): 7.48% (upper mid).
Point 10	Modified duration: 1.20 yrs (top quartile).	Modified duration: 2.80 yrs (bottom quartile).	Modified duration: 2.93 yrs (bottom quartile).	Modified duration: 2.56 yrs (lower mid).	Modified duration: 2.50 yrs (upper mid).

Sundaram Short Term Debt Fund

Bottom quartile AUM (₹362 Cr).
Established history (24+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 12.83% (top quartile).
1M return: 0.20% (bottom quartile).
Sharpe: 0.98 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 4.52% (bottom quartile).
Modified duration: 1.20 yrs (top quartile).

Bandhan Bond Fund Short Term Plan

Lower mid AUM (₹9,279 Cr).
Oldest track record among peers (25 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.18% (upper mid).
1M return: 0.38% (top quartile).
Sharpe: -0.09 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.06% (bottom quartile).
Modified duration: 2.80 yrs (bottom quartile).

ICICI Prudential Short Term Fund

Highest AUM (₹19,260 Cr).
Established history (24+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 6.01% (lower mid).
1M return: 0.32% (upper mid).
Sharpe: 0.06 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.61% (top quartile).
Modified duration: 2.93 yrs (bottom quartile).

Axis Short Term Fund

Bottom quartile AUM (₹8,010 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 5.75% (bottom quartile).
1M return: 0.29% (lower mid).
Sharpe: -0.05 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.40% (lower mid).
Modified duration: 2.56 yrs (lower mid).

HDFC Short Term Debt Fund

Upper mid AUM (₹15,081 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 5.67% (bottom quartile).
1M return: 0.19% (bottom quartile).
Sharpe: -0.06 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.48% (upper mid).
Modified duration: 2.50 yrs (upper mid).

Top 5 Lump sum Liquid Mutual Funds

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

Fund	NAV	Net Assets (Cr)	Min Investment	1 MO (%)	3 MO (%)	6 MO (%)	1 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Axis Liquid Fund Growth	₹3,127.68 ↑ 1.26	₹56,438	500	0.6	1.8	3.5	6.5	6.6	6.47%	2M 5D	2M 5D
Edelweiss Liquid Fund Growth	₹3,591.78 ↑ 1.52	₹13,796	5,000	0.6	1.8	3.5	6.5	6.5	6.33%	2M 2D	2M 2D
DSP Liquidity Fund Growth	₹4,008.69 ↑ 1.35	₹22,962	1,000	0.6	1.8	3.4	6.5	6.5	6.45%	2M 5D	2M 8D
UTI Liquid Cash Plan Growth	₹460.589 ↑ 0.18	₹26,728	500	0.6	1.7	3.4	6.5	6.5	6.31%	1M 27D	1M 27D
Aditya Birla Sun Life Liquid Fund Growth	₹452.382 ↑ 0.16	₹68,800	5,000	0.6	1.8	3.4	6.5	6.5	6.49%	2M 5D	2M 5D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Axis Liquid Fund	Edelweiss Liquid Fund	DSP Liquidity Fund	UTI Liquid Cash Plan	Aditya Birla Sun Life Liquid Fund
Point 1	Upper mid AUM (₹56,438 Cr).	Bottom quartile AUM (₹13,796 Cr).	Bottom quartile AUM (₹22,962 Cr).	Lower mid AUM (₹26,728 Cr).	Highest AUM (₹68,800 Cr).
Point 2	Established history (16+ yrs).	Established history (18+ yrs).	Established history (20+ yrs).	Oldest track record among peers (22 yrs).	Established history (22+ yrs).
Point 3	Top rated.	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 6.50% (top quartile).	1Y return: 6.50% (upper mid).	1Y return: 6.46% (lower mid).	1Y return: 6.45% (bottom quartile).	1Y return: 6.45% (bottom quartile).
Point 6	1M return: 0.58% (upper mid).	1M return: 0.58% (top quartile).	1M return: 0.57% (bottom quartile).	1M return: 0.58% (lower mid).	1M return: 0.57% (bottom quartile).
Point 7	Sharpe: 2.57 (top quartile).	Sharpe: 2.51 (lower mid).	Sharpe: 2.50 (bottom quartile).	Sharpe: 2.54 (upper mid).	Sharpe: 2.40 (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): 6.47% (upper mid).	Yield to maturity (debt): 6.33% (bottom quartile).	Yield to maturity (debt): 6.45% (lower mid).	Yield to maturity (debt): 6.31% (bottom quartile).	Yield to maturity (debt): 6.49% (top quartile).
Point 10	Modified duration: 0.18 yrs (bottom quartile).	Modified duration: 0.17 yrs (upper mid).	Modified duration: 0.18 yrs (lower mid).	Modified duration: 0.16 yrs (top quartile).	Modified duration: 0.18 yrs (bottom quartile).

Axis Liquid Fund

Upper mid AUM (₹56,438 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.50% (top quartile).
1M return: 0.58% (upper mid).
Sharpe: 2.57 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.47% (upper mid).
Modified duration: 0.18 yrs (bottom quartile).

Edelweiss Liquid Fund

Bottom quartile AUM (₹13,796 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.50% (upper mid).
1M return: 0.58% (top quartile).
Sharpe: 2.51 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.33% (bottom quartile).
Modified duration: 0.17 yrs (upper mid).

DSP Liquidity Fund

Bottom quartile AUM (₹22,962 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.46% (lower mid).
1M return: 0.57% (bottom quartile).
Sharpe: 2.50 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.45% (lower mid).
Modified duration: 0.18 yrs (lower mid).

UTI Liquid Cash Plan

Lower mid AUM (₹26,728 Cr).
Oldest track record among peers (22 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.45% (bottom quartile).
1M return: 0.58% (lower mid).
Sharpe: 2.54 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.31% (bottom quartile).
Modified duration: 0.16 yrs (top quartile).

Aditya Birla Sun Life Liquid Fund

Highest AUM (₹68,800 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.45% (bottom quartile).
1M return: 0.57% (bottom quartile).
Sharpe: 2.40 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.49% (top quartile).
Modified duration: 0.18 yrs (bottom quartile).

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
Bandhan Government Securities Fund - Investment Plan Growth	₹37.4196 ↑ 0.00	₹1,875	5,000	3	4.8	7.9	7.3	3.7	7.37%	11Y 5M 5D	27Y 5M 26D
Axis Gilt Fund Growth	₹26.5883 ↑ 0.02	₹405	5,000	2.4	2.1	5.1	6.8	5.2	7.13%	8Y 10M 10D	21Y 9M 29D
ICICI Prudential Gilt Fund Growth	₹107.924 ↑ 0.09	₹8,890	5,000	2.8	2.3	5	6.7	6.8	7.47%	9Y 5M 12D	21Y 5M 1D
UTI Gilt Fund Growth	₹65.577 ↑ 0.00	₹423	5,000	1.1	2	5.6	6.4	5.1	6.12%	3Y 1M 6D	7Y
SBI Magnum Gilt Fund Growth	₹68.2078 ↓ -0.04	₹8,306	5,000	1.8	1.9	4.3	6.1	4.5	7.12%	8Y 1M 20D	23Y 5M 1D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Bandhan Government Securities Fund - Investment Plan	Axis Gilt Fund	ICICI Prudential Gilt Fund	UTI Gilt Fund	SBI Magnum Gilt Fund
Point 1	Lower mid AUM (₹1,875 Cr).	Bottom quartile AUM (₹405 Cr).	Highest AUM (₹8,890 Cr).	Bottom quartile AUM (₹423 Cr).	Upper mid AUM (₹8,306 Cr).
Point 2	Established history (17+ yrs).	Established history (14+ yrs).	Oldest track record among peers (27 yrs).	Established history (24+ yrs).	Established history (25+ yrs).
Point 3	Rating: 3★ (bottom quartile).	Rating: 1★ (bottom quartile).	Top rated.	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 7.95% (top quartile).	1Y return: 5.06% (lower mid).	1Y return: 5.01% (bottom quartile).	1Y return: 5.64% (upper mid).	1Y return: 4.27% (bottom quartile).
Point 6	1M return: 0.10% (top quartile).	1M return: -0.24% (bottom quartile).	1M return: -0.18% (lower mid).	1M return: -0.34% (bottom quartile).	1M return: -0.06% (upper mid).
Point 7	Sharpe: 0.09 (top quartile).	Sharpe: -0.31 (lower mid).	Sharpe: -0.29 (upper mid).	Sharpe: -0.35 (bottom quartile).	Sharpe: -0.64 (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): 7.37% (upper mid).	Yield to maturity (debt): 7.13% (lower mid).	Yield to maturity (debt): 7.47% (top quartile).	Yield to maturity (debt): 6.12% (bottom quartile).	Yield to maturity (debt): 7.12% (bottom quartile).
Point 10	Modified duration: 11.43 yrs (bottom quartile).	Modified duration: 8.86 yrs (lower mid).	Modified duration: 9.45 yrs (bottom quartile).	Modified duration: 3.10 yrs (top quartile).	Modified duration: 8.14 yrs (upper mid).

Bandhan Government Securities Fund - Investment Plan

Lower mid AUM (₹1,875 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.95% (top quartile).
1M return: 0.10% (top quartile).
Sharpe: 0.09 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.37% (upper mid).
Modified duration: 11.43 yrs (bottom quartile).

Axis Gilt Fund

Bottom quartile AUM (₹405 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.06% (lower mid).
1M return: -0.24% (bottom quartile).
Sharpe: -0.31 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.13% (lower mid).
Modified duration: 8.86 yrs (lower mid).

ICICI Prudential Gilt Fund

Highest AUM (₹8,890 Cr).
Oldest track record among peers (27 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 5.01% (bottom quartile).
1M return: -0.18% (lower mid).
Sharpe: -0.29 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.47% (top quartile).
Modified duration: 9.45 yrs (bottom quartile).

UTI Gilt Fund

Bottom quartile AUM (₹423 Cr).
Established history (24+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 5.64% (upper mid).
1M return: -0.34% (bottom quartile).
Sharpe: -0.35 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.12% (bottom quartile).
Modified duration: 3.10 yrs (top quartile).

SBI Magnum Gilt Fund

Upper mid AUM (₹8,306 Cr).
Established history (25+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 4.27% (bottom quartile).
1M return: -0.06% (upper mid).
Sharpe: -0.64 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.12% (bottom quartile).
Modified duration: 8.14 yrs (upper mid).

Top 5 Lump sum Corporate Bond Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
BNP Paribas Corporate Bond Fund Growth	₹29.4729 ↑ 0.05	₹270	5,000	2.6	3.2	6.2	7.5	8.3	7.2%	2Y 8M 5D	3Y 7M 13D
Franklin India Corporate Debt Fund Growth	₹106.733 ↑ 0.09	₹1,345	10,000	2.1	2.8	6	7.5	9.1	7.42%	1Y 11M 16D	4Y 29D
ICICI Prudential Corporate Bond Fund Growth	₹31.9699 ↑ 0.05	₹30,202	5,000	2.4	2.9	6.1	7.3	8	7.35%	3Y 5M 23D	6Y 14D
Nippon India Prime Debt Fund Growth	₹63.8369 ↑ 0.11	₹9,432	1,000	2.4	2.6	5.4	7.2	7.8	7.34%	2Y 11M 12D	3Y 9M 29D
Kotak Corporate Bond Fund Standard Growth	₹4,011.35 ↑ 6.24	₹15,171	5,000	2.3	2.4	5.3	7.1	7.8	7.45%	2Y 11M 19D	4Y 9M 14D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	BNP Paribas Corporate Bond Fund	Franklin India Corporate Debt Fund	ICICI Prudential Corporate Bond Fund	Nippon India Prime Debt Fund	Kotak Corporate Bond Fund Standard
Point 1	Bottom quartile AUM (₹270 Cr).	Bottom quartile AUM (₹1,345 Cr).	Highest AUM (₹30,202 Cr).	Lower mid AUM (₹9,432 Cr).	Upper mid AUM (₹15,171 Cr).
Point 2	Established history (17+ yrs).	Oldest track record among peers (29 yrs).	Established history (17+ yrs).	Established history (25+ yrs).	Established history (18+ yrs).
Point 3	Rating: 3★ (bottom quartile).	Rating: 2★ (bottom quartile).	Top rated.	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.
Point 5	1Y return: 6.20% (top quartile).	1Y return: 6.05% (lower mid).	1Y return: 6.11% (upper mid).	1Y return: 5.43% (bottom quartile).	1Y return: 5.31% (bottom quartile).
Point 6	1M return: 0.35% (upper mid).	1M return: 0.46% (top quartile).	1M return: 0.24% (lower mid).	1M return: 0.22% (bottom quartile).	1M return: 0.16% (bottom quartile).
Point 7	Sharpe: 0.02 (upper mid).	Sharpe: -0.05 (lower mid).	Sharpe: 0.12 (top quartile).	Sharpe: -0.27 (bottom quartile).	Sharpe: -0.26 (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): 7.20% (bottom quartile).	Yield to maturity (debt): 7.42% (upper mid).	Yield to maturity (debt): 7.35% (lower mid).	Yield to maturity (debt): 7.34% (bottom quartile).	Yield to maturity (debt): 7.45% (top quartile).
Point 10	Modified duration: 2.68 yrs (upper mid).	Modified duration: 1.96 yrs (top quartile).	Modified duration: 3.48 yrs (bottom quartile).	Modified duration: 2.95 yrs (lower mid).	Modified duration: 2.97 yrs (bottom quartile).

BNP Paribas Corporate Bond Fund

Bottom quartile AUM (₹270 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.20% (top quartile).
1M return: 0.35% (upper mid).
Sharpe: 0.02 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.20% (bottom quartile).
Modified duration: 2.68 yrs (upper mid).

Franklin India Corporate Debt Fund

Bottom quartile AUM (₹1,345 Cr).
Oldest track record among peers (29 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.05% (lower mid).
1M return: 0.46% (top quartile).
Sharpe: -0.05 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.42% (upper mid).
Modified duration: 1.96 yrs (top quartile).

ICICI Prudential Corporate Bond Fund

Highest AUM (₹30,202 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.11% (upper mid).
1M return: 0.24% (lower mid).
Sharpe: 0.12 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.35% (lower mid).
Modified duration: 3.48 yrs (bottom quartile).

Nippon India Prime Debt Fund

Lower mid AUM (₹9,432 Cr).
Established history (25+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 5.43% (bottom quartile).
1M return: 0.22% (bottom quartile).
Sharpe: -0.27 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.34% (bottom quartile).
Modified duration: 2.95 yrs (lower mid).

Kotak Corporate Bond Fund Standard

Upper mid AUM (₹15,171 Cr).
Established history (18+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 5.31% (bottom quartile).
1M return: 0.16% (bottom quartile).
Sharpe: -0.26 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.45% (top quartile).
Modified duration: 2.97 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	₹55.1954 ↑ 0.08	₹287	1,000	2.2	9.5	10.5	15.9	21	7.73%	2Y 1M 28D	2Y 10M 17D
Aditya Birla Sun Life Credit Risk Fund Growth	₹25.4309 ↑ 0.03	₹1,532	1,000	3	4.3	12.3	12.2	13.4	7.98%	2Y 29D	2Y 9M 4D
Franklin India Credit Risk Fund Growth	₹25.3348 ↑ 0.04	₹104	5,000	2.9	5	7.5	11		0%
ICICI Prudential Regular Savings Fund Growth	₹34.8586 ↑ 0.05	₹6,320	10,000	2.9	4	8.2	8.5	9.5	8.35%	2Y 1M 10D	3Y 2M 8D
Invesco India Credit Risk Fund Growth	₹2,084.8 ↑ 2.95	₹166	5,000	2.3	4.3	7.2	8.4	9.2	7.5%	3Y 7D	4Y 2M 19D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP Credit Risk Fund	Aditya Birla Sun Life Credit Risk Fund	Franklin India Credit Risk Fund	ICICI Prudential Regular Savings Fund	Invesco India Credit Risk Fund
Point 1	Lower mid AUM (₹287 Cr).	Upper mid AUM (₹1,532 Cr).	Bottom quartile AUM (₹104 Cr).	Highest AUM (₹6,320 Cr).	Bottom quartile AUM (₹166 Cr).
Point 2	Oldest track record among peers (23 yrs).	Established history (11+ yrs).	Established history (14+ yrs).	Established history (15+ yrs).	Established history (12+ yrs).
Point 3	Top rated.	Not Rated.	Rating: 1★ (lower mid).	Rating: 1★ (bottom quartile).	Rating: 4★ (upper mid).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 10.50% (upper mid).	1Y return: 12.30% (top quartile).	1Y return: 7.45% (bottom quartile).	1Y return: 8.23% (lower mid).	1Y return: 7.18% (bottom quartile).
Point 6	1M return: 0.36% (bottom quartile).	1M return: 0.61% (lower mid).	1M return: 0.91% (top quartile).	1M return: 0.63% (upper mid).	1M return: 0.35% (bottom quartile).
Point 7	Sharpe: 0.75 (lower mid).	Sharpe: 1.77 (top quartile).	Sharpe: 0.29 (bottom quartile).	Sharpe: 1.30 (upper mid).	Sharpe: 0.53 (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): 7.73% (lower mid).	Yield to maturity (debt): 7.98% (upper mid).	Yield to maturity (debt): 0.00% (bottom quartile).	Yield to maturity (debt): 8.35% (top quartile).	Yield to maturity (debt): 7.50% (bottom quartile).
Point 10	Modified duration: 2.16 yrs (bottom quartile).	Modified duration: 2.08 yrs (upper mid).	Modified duration: 0.00 yrs (top quartile).	Modified duration: 2.11 yrs (lower mid).	Modified duration: 3.02 yrs (bottom quartile).

DSP Credit Risk Fund

Lower mid AUM (₹287 Cr).
Oldest track record among peers (23 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 10.50% (upper mid).
1M return: 0.36% (bottom quartile).
Sharpe: 0.75 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.73% (lower mid).
Modified duration: 2.16 yrs (bottom quartile).

Aditya Birla Sun Life Credit Risk Fund

Upper mid AUM (₹1,532 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 12.30% (top quartile).
1M return: 0.61% (lower mid).
Sharpe: 1.77 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.98% (upper mid).
Modified duration: 2.08 yrs (upper mid).

Franklin India Credit Risk Fund

Bottom quartile AUM (₹104 Cr).
Established history (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderate.
1Y return: 7.45% (bottom quartile).
1M return: 0.91% (top quartile).
Sharpe: 0.29 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 0.00% (bottom quartile).
Modified duration: 0.00 yrs (top quartile).

ICICI Prudential Regular Savings Fund

Highest AUM (₹6,320 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.23% (lower mid).
1M return: 0.63% (upper mid).
Sharpe: 1.30 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.35% (top quartile).
Modified duration: 2.11 yrs (lower mid).

Invesco India Credit Risk Fund

Bottom quartile AUM (₹166 Cr).
Established history (12+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 7.18% (bottom quartile).
1M return: 0.35% (bottom quartile).
Sharpe: 0.53 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.50% (bottom quartile).
Modified duration: 3.02 yrs (bottom quartile).

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 (%)
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹43.14 ↑ 0.20	₹1,841	5,000	6.5	13.9	14.1	16.6	14	-0.9
Sundaram Equity Hybrid Fund Growth	₹135.137 ↑ 0.78	₹1,954	5,000	0.5	10.5	27.1	16	14.2
UTI Multi Asset Fund Growth	₹79.1832 ↑ 0.18	₹6,998	5,000	2.6	0	6	15.1	12.5	11.1
SBI Multi Asset Allocation Fund Growth	₹67.1449 ↑ 0.32	₹20,240	5,000	1.6	-0.1	12.3	14.6	12.8	18.6
IDBI Hybrid Equity Fund Growth	₹17.1253 ↓ -0.01	₹179	5,000	7.8	9.8	12.1	14.4	7.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	BOI AXA Mid and Small Cap Equity and Debt Fund	Sundaram Equity Hybrid Fund	UTI Multi Asset Fund	SBI Multi Asset Allocation Fund	IDBI Hybrid Equity Fund
Point 1	Bottom quartile AUM (₹1,841 Cr).	Lower mid AUM (₹1,954 Cr).	Upper mid AUM (₹6,998 Cr).	Highest AUM (₹20,240 Cr).	Bottom quartile AUM (₹179 Cr).
Point 2	Established history (10+ yrs).	Oldest track record among peers (26 yrs).	Established history (17+ yrs).	Established history (20+ yrs).	Established history (9+ yrs).
Point 3	Not Rated.	Rating: 2★ (upper mid).	Rating: 1★ (lower mid).	Top rated.	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderately High.
Point 5	5Y return: 13.97% (upper mid).	5Y return: 14.20% (top quartile).	5Y return: 12.53% (bottom quartile).	5Y return: 12.79% (lower mid).	5Y return: 7.09% (bottom quartile).
Point 6	3Y return: 16.59% (top quartile).	3Y return: 16.03% (upper mid).	3Y return: 15.15% (lower mid).	3Y return: 14.56% (bottom quartile).	3Y return: 14.43% (bottom quartile).
Point 7	1Y return: 14.13% (upper mid).	1Y return: 27.10% (top quartile).	1Y return: 5.96% (bottom quartile).	1Y return: 12.32% (lower mid).	1Y return: 12.06% (bottom quartile).
Point 8	1M return: 2.01% (upper mid).	1M return: 1.80% (lower mid).	1M return: -0.94% (bottom quartile).	1M return: 0.07% (bottom quartile).	1M return: 2.10% (top quartile).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 5.81 (top quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: -0.26 (bottom quartile).
Point 10	Sharpe: 0.32 (bottom quartile).	Sharpe: 2.64 (top quartile).	Sharpe: 0.17 (bottom quartile).	Sharpe: 0.63 (lower mid).	Sharpe: 1.03 (upper mid).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,841 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 13.97% (upper mid).
3Y return: 16.59% (top quartile).
1Y return: 14.13% (upper mid).
1M return: 2.01% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.32 (bottom quartile).

Sundaram Equity Hybrid Fund

Lower mid AUM (₹1,954 Cr).
Oldest track record among peers (26 yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 14.20% (top quartile).
3Y return: 16.03% (upper mid).
1Y return: 27.10% (top quartile).
1M return: 1.80% (lower mid).
Alpha: 5.81 (top quartile).
Sharpe: 2.64 (top quartile).

UTI Multi Asset Fund

Upper mid AUM (₹6,998 Cr).
Established history (17+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 12.53% (bottom quartile).
3Y return: 15.15% (lower mid).
1Y return: 5.96% (bottom quartile).
1M return: -0.94% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.17 (bottom quartile).

SBI Multi Asset Allocation Fund

Highest AUM (₹20,240 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 12.79% (lower mid).
3Y return: 14.56% (bottom quartile).
1Y return: 12.32% (lower mid).
1M return: 0.07% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.63 (lower mid).

IDBI Hybrid Equity Fund

Bottom quartile AUM (₹179 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 7.09% (bottom quartile).
3Y return: 14.43% (bottom quartile).
1Y return: 12.06% (bottom quartile).
1M return: 2.10% (top quartile).
Alpha: -0.26 (bottom quartile).
Sharpe: 1.03 (upper mid).

Top 5 Lump sum Aggressive Hybrid Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹43.14 ↑ 0.20	₹1,841	5,000	6.5	13.9	14.1	16.6	14	-0.9
Sundaram Equity Hybrid Fund Growth	₹135.137 ↑ 0.78	₹1,954	5,000	0.5	10.5	27.1	16	14.2
IDBI Hybrid Equity Fund Growth	₹17.1253 ↓ -0.01	₹179	5,000	7.8	9.8	12.1	14.4	7.1
Baroda Pioneer Hybrid Equity Fund Growth	₹81.2894 ↑ 0.36	₹389	5,000	-3.5	-0.8	14.8	14.3	11.2
Bandhan Hybrid Equity Fund Growth	₹28.049 ↑ 0.02	₹2,184	5,000	6.1	5.9	7.9	13.5	10.5	7.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	BOI AXA Mid and Small Cap Equity and Debt Fund	Sundaram Equity Hybrid Fund	IDBI Hybrid Equity Fund	Baroda Pioneer Hybrid Equity Fund	Bandhan Hybrid Equity Fund
Point 1	Lower mid AUM (₹1,841 Cr).	Upper mid AUM (₹1,954 Cr).	Bottom quartile AUM (₹179 Cr).	Bottom quartile AUM (₹389 Cr).	Highest AUM (₹2,184 Cr).
Point 2	Established history (10+ yrs).	Oldest track record among peers (26 yrs).	Established history (9+ yrs).	Established history (22+ yrs).	Established history (9+ yrs).
Point 3	Not Rated.	Rating: 2★ (upper mid).	Not Rated.	Top rated.	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 13.97% (upper mid).	5Y return: 14.20% (top quartile).	5Y return: 7.09% (bottom quartile).	5Y return: 11.17% (lower mid).	5Y return: 10.53% (bottom quartile).
Point 6	3Y return: 16.59% (top quartile).	3Y return: 16.03% (upper mid).	3Y return: 14.43% (lower mid).	3Y return: 14.26% (bottom quartile).	3Y return: 13.45% (bottom quartile).
Point 7	1Y return: 14.13% (lower mid).	1Y return: 27.10% (top quartile).	1Y return: 12.06% (bottom quartile).	1Y return: 14.82% (upper mid).	1Y return: 7.87% (bottom quartile).
Point 8	1M return: 2.01% (upper mid).	1M return: 1.80% (lower mid).	1M return: 2.10% (top quartile).	1M return: -2.79% (bottom quartile).	1M return: -1.00% (bottom quartile).
Point 9	Alpha: 0.00 (bottom quartile).	Alpha: 5.81 (lower mid).	Alpha: -0.26 (bottom quartile).	Alpha: 6.53 (top quartile).	Alpha: 5.97 (upper mid).
Point 10	Sharpe: 0.32 (bottom quartile).	Sharpe: 2.64 (top quartile).	Sharpe: 1.03 (lower mid).	Sharpe: 2.59 (upper mid).	Sharpe: 0.05 (bottom quartile).

BOI AXA Mid and Small Cap Equity and Debt Fund

Lower mid AUM (₹1,841 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 13.97% (upper mid).
3Y return: 16.59% (top quartile).
1Y return: 14.13% (lower mid).
1M return: 2.01% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.32 (bottom quartile).

Sundaram Equity Hybrid Fund

Upper mid AUM (₹1,954 Cr).
Oldest track record among peers (26 yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 14.20% (top quartile).
3Y return: 16.03% (upper mid).
1Y return: 27.10% (top quartile).
1M return: 1.80% (lower mid).
Alpha: 5.81 (lower mid).
Sharpe: 2.64 (top quartile).

IDBI Hybrid Equity Fund

Bottom quartile AUM (₹179 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 7.09% (bottom quartile).
3Y return: 14.43% (lower mid).
1Y return: 12.06% (bottom quartile).
1M return: 2.10% (top quartile).
Alpha: -0.26 (bottom quartile).
Sharpe: 1.03 (lower mid).

Baroda Pioneer Hybrid Equity Fund

Bottom quartile AUM (₹389 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 11.17% (lower mid).
3Y return: 14.26% (bottom quartile).
1Y return: 14.82% (upper mid).
1M return: -2.79% (bottom quartile).
Alpha: 6.53 (top quartile).
Sharpe: 2.59 (upper mid).

Bandhan Hybrid Equity Fund

Highest AUM (₹2,184 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 10.53% (bottom quartile).
3Y return: 13.45% (bottom quartile).
1Y return: 7.87% (bottom quartile).
1M return: -1.00% (bottom quartile).
Alpha: 5.97 (upper mid).
Sharpe: 0.05 (bottom 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 (%)
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹43.14 ↑ 0.20	₹1,841	5,000	6.5	13.9	14.1	16.6	14	-0.9
Sundaram Equity Hybrid Fund Growth	₹135.137 ↑ 0.78	₹1,954	5,000	0.5	10.5	27.1	16	14.2
UTI Multi Asset Fund Growth	₹79.1832 ↑ 0.18	₹6,998	5,000	2.6	0	6	15.1	12.5	11.1
SBI Multi Asset Allocation Fund Growth	₹67.1449 ↑ 0.32	₹20,240	5,000	1.6	-0.1	12.3	14.6	12.8	18.6
IDBI Hybrid Equity Fund Growth	₹17.1253 ↓ -0.01	₹179	5,000	7.8	9.8	12.1	14.4	7.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	BOI AXA Mid and Small Cap Equity and Debt Fund	Sundaram Equity Hybrid Fund	UTI Multi Asset Fund	SBI Multi Asset Allocation Fund	IDBI Hybrid Equity Fund
Point 1	Bottom quartile AUM (₹1,841 Cr).	Lower mid AUM (₹1,954 Cr).	Upper mid AUM (₹6,998 Cr).	Highest AUM (₹20,240 Cr).	Bottom quartile AUM (₹179 Cr).
Point 2	Established history (10+ yrs).	Oldest track record among peers (26 yrs).	Established history (17+ yrs).	Established history (20+ yrs).	Established history (9+ yrs).
Point 3	Not Rated.	Rating: 2★ (upper mid).	Rating: 1★ (lower mid).	Top rated.	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderately High.
Point 5	5Y return: 13.97% (upper mid).	5Y return: 14.20% (top quartile).	5Y return: 12.53% (bottom quartile).	5Y return: 12.79% (lower mid).	5Y return: 7.09% (bottom quartile).
Point 6	3Y return: 16.59% (top quartile).	3Y return: 16.03% (upper mid).	3Y return: 15.15% (lower mid).	3Y return: 14.56% (bottom quartile).	3Y return: 14.43% (bottom quartile).
Point 7	1Y return: 14.13% (upper mid).	1Y return: 27.10% (top quartile).	1Y return: 5.96% (bottom quartile).	1Y return: 12.32% (lower mid).	1Y return: 12.06% (bottom quartile).
Point 8	1M return: 2.01% (upper mid).	1M return: 1.80% (lower mid).	1M return: -0.94% (bottom quartile).	1M return: 0.07% (bottom quartile).	1M return: 2.10% (top quartile).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 5.81 (top quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: -0.26 (bottom quartile).
Point 10	Sharpe: 0.32 (bottom quartile).	Sharpe: 2.64 (top quartile).	Sharpe: 0.17 (bottom quartile).	Sharpe: 0.63 (lower mid).	Sharpe: 1.03 (upper mid).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,841 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 13.97% (upper mid).
3Y return: 16.59% (top quartile).
1Y return: 14.13% (upper mid).
1M return: 2.01% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.32 (bottom quartile).

Sundaram Equity Hybrid Fund

Lower mid AUM (₹1,954 Cr).
Oldest track record among peers (26 yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 14.20% (top quartile).
3Y return: 16.03% (upper mid).
1Y return: 27.10% (top quartile).
1M return: 1.80% (lower mid).
Alpha: 5.81 (top quartile).
Sharpe: 2.64 (top quartile).

UTI Multi Asset Fund

Upper mid AUM (₹6,998 Cr).
Established history (17+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 12.53% (bottom quartile).
3Y return: 15.15% (lower mid).
1Y return: 5.96% (bottom quartile).
1M return: -0.94% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.17 (bottom quartile).

SBI Multi Asset Allocation Fund

Highest AUM (₹20,240 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 12.79% (lower mid).
3Y return: 14.56% (bottom quartile).
1Y return: 12.32% (lower mid).
1M return: 0.07% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.63 (lower mid).

IDBI Hybrid Equity Fund

Bottom quartile AUM (₹179 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 7.09% (bottom quartile).
3Y return: 14.43% (bottom quartile).
1Y return: 12.06% (bottom quartile).
1M return: 2.10% (top quartile).
Alpha: -0.26 (bottom quartile).
Sharpe: 1.03 (upper mid).

Top 5 Lump sum Arbitrage Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Kotak Equity Arbitrage Fund Growth	₹40.1292 ↓ -0.02	₹74,399	5,000	1.9	3	6.1	6.9	6.3	6.4
Invesco India Arbitrage Fund Growth	₹34.1673 ↓ -0.02	₹29,629	5,000	1.8	2.9	6.1	6.8	6.3	6.5
ICICI Prudential Equity Arbitrage Fund Growth	₹36.7218 ↓ -0.02	₹34,180	5,000	1.8	2.9	6	6.8	6.1	6.5
HDFC Arbitrage Fund Growth	₹32.788 ↓ -0.02	₹25,001	100,000	1.8	2.9	6	6.8	6.1	6.3
UTI Arbitrage Fund Growth	₹37.5085 ↓ -0.02	₹11,152	5,000	1.8	2.9	6	6.9	6.1	6.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Kotak Equity Arbitrage Fund	Invesco India Arbitrage Fund	ICICI Prudential Equity Arbitrage Fund	HDFC Arbitrage Fund	UTI Arbitrage Fund
Point 1	Highest AUM (₹74,399 Cr).	Lower mid AUM (₹29,629 Cr).	Upper mid AUM (₹34,180 Cr).	Bottom quartile AUM (₹25,001 Cr).	Bottom quartile AUM (₹11,152 Cr).
Point 2	Oldest track record among peers (20 yrs).	Established history (19+ yrs).	Established history (19+ yrs).	Established history (18+ yrs).	Established history (20+ yrs).
Point 3	Top rated.	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.
Point 5	5Y return: 6.27% (upper mid).	5Y return: 6.30% (top quartile).	5Y return: 6.10% (lower mid).	5Y return: 6.06% (bottom quartile).	5Y return: 6.09% (bottom quartile).
Point 6	3Y return: 6.92% (top quartile).	3Y return: 6.83% (lower mid).	3Y return: 6.79% (bottom quartile).	3Y return: 6.80% (bottom quartile).	3Y return: 6.86% (upper mid).
Point 7	1Y return: 6.08% (top quartile).	1Y return: 6.06% (upper mid).	1Y return: 6.01% (lower mid).	1Y return: 6.01% (bottom quartile).	1Y return: 6.01% (bottom quartile).
Point 8	1M return: 0.03% (lower mid).	1M return: 0.06% (upper mid).	1M return: 0.03% (bottom quartile).	1M return: -0.03% (bottom quartile).	1M return: 0.09% (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: 0.50 (upper mid).	Sharpe: 0.60 (top quartile).	Sharpe: 0.49 (lower mid).	Sharpe: 0.48 (bottom quartile).	Sharpe: 0.48 (bottom quartile).

Kotak Equity Arbitrage Fund

Highest AUM (₹74,399 Cr).
Oldest track record among peers (20 yrs).
Top rated.
Risk profile: Moderately Low.
5Y return: 6.27% (upper mid).
3Y return: 6.92% (top quartile).
1Y return: 6.08% (top quartile).
1M return: 0.03% (lower mid).
Alpha: 0.00 (top quartile).
Sharpe: 0.50 (upper mid).

Invesco India Arbitrage Fund

Lower mid AUM (₹29,629 Cr).
Established history (19+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
5Y return: 6.30% (top quartile).
3Y return: 6.83% (lower mid).
1Y return: 6.06% (upper mid).
1M return: 0.06% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.60 (top quartile).

ICICI Prudential Equity Arbitrage Fund

Upper mid AUM (₹34,180 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
5Y return: 6.10% (lower mid).
3Y return: 6.79% (bottom quartile).
1Y return: 6.01% (lower mid).
1M return: 0.03% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.49 (lower mid).

HDFC Arbitrage Fund

Bottom quartile AUM (₹25,001 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
5Y return: 6.06% (bottom quartile).
3Y return: 6.80% (bottom quartile).
1Y return: 6.01% (bottom quartile).
1M return: -0.03% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.48 (bottom quartile).

UTI Arbitrage Fund

Bottom quartile AUM (₹11,152 Cr).
Established history (20+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
5Y return: 6.09% (bottom quartile).
3Y return: 6.86% (upper mid).
1Y return: 6.01% (bottom quartile).
1M return: 0.09% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.48 (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 (%)
Franklin India Multi - Asset Solution Fund Growth	₹22.424 ↓ 0.00	₹141	5,000	2.1	2.9	6.3	12	10.1	14.1
ICICI Prudential Balanced Advantage Fund Growth	₹79.09 ↑ 0.01	₹74,555	5,000	5.3	3.6	6	11.4	10.5	12.2
Aditya Birla Sun Life Balanced Advantage Fund Growth	₹114.1 ↑ 0.12	₹9,804	1,000	5.2	5.7	7.5	11.3	9.4	10.1
Axis Dynamic Equity Fund Growth	₹21.51 ↑ 0.02	₹3,859	5,000	3.5	1.3	3.4	11.1	8.5	7
Nippon India Balanced Advantage Fund Growth	₹183.887 ↑ 0.07	₹9,898	5,000	4.3	3	4.2	10.2	8.7	7.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Franklin India Multi - Asset Solution Fund	ICICI Prudential Balanced Advantage Fund	Aditya Birla Sun Life Balanced Advantage Fund	Axis Dynamic Equity Fund	Nippon India Balanced Advantage Fund
Point 1	Bottom quartile AUM (₹141 Cr).	Highest AUM (₹74,555 Cr).	Lower mid AUM (₹9,804 Cr).	Bottom quartile AUM (₹3,859 Cr).	Upper mid AUM (₹9,898 Cr).
Point 2	Established history (11+ yrs).	Established history (19+ yrs).	Oldest track record among peers (26 yrs).	Established history (9+ yrs).	Established history (21+ yrs).
Point 3	Not Rated.	Top rated.	Rating: 3★ (upper mid).	Not Rated.	Rating: 3★ (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: 10.12% (upper mid).	5Y return: 10.52% (top quartile).	5Y return: 9.42% (lower mid).	5Y return: 8.46% (bottom quartile).	5Y return: 8.68% (bottom quartile).
Point 6	3Y return: 12.02% (top quartile).	3Y return: 11.38% (upper mid).	3Y return: 11.32% (lower mid).	3Y return: 11.07% (bottom quartile).	3Y return: 10.16% (bottom quartile).
Point 7	1Y return: 6.29% (upper mid).	1Y return: 6.00% (lower mid).	1Y return: 7.49% (top quartile).	1Y return: 3.41% (bottom quartile).	1Y return: 4.24% (bottom quartile).
Point 8	1M return: 0.49% (top quartile).	1M return: -1.40% (bottom quartile).	1M return: -0.55% (upper mid).	1M return: -1.56% (bottom quartile).	1M return: -1.29% (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: 0.12 (lower mid).	Sharpe: 0.23 (top quartile).	Sharpe: 0.16 (upper mid).	Sharpe: -0.14 (bottom quartile).	Sharpe: -0.03 (bottom quartile).

Franklin India Multi - Asset Solution Fund

Bottom quartile AUM (₹141 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 10.12% (upper mid).
3Y return: 12.02% (top quartile).
1Y return: 6.29% (upper mid).
1M return: 0.49% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.12 (lower mid).

ICICI Prudential Balanced Advantage Fund

Highest AUM (₹74,555 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 10.52% (top quartile).
3Y return: 11.38% (upper mid).
1Y return: 6.00% (lower mid).
1M return: -1.40% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.23 (top quartile).

Aditya Birla Sun Life Balanced Advantage Fund

Lower mid AUM (₹9,804 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 9.42% (lower mid).
3Y return: 11.32% (lower mid).
1Y return: 7.49% (top quartile).
1M return: -0.55% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.16 (upper mid).

Axis Dynamic Equity Fund

Bottom quartile AUM (₹3,859 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 8.46% (bottom quartile).
3Y return: 11.07% (bottom quartile).
1Y return: 3.41% (bottom quartile).
1M return: -1.56% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.14 (bottom quartile).

Nippon India Balanced Advantage Fund

Upper mid AUM (₹9,898 Cr).
Established history (21+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 8.68% (bottom quartile).
3Y return: 10.16% (bottom quartile).
1Y return: 4.24% (bottom quartile).
1M return: -1.29% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.03 (bottom quartile).

Top 5 Lump sum Multi Asset Allocation Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
UTI Multi Asset Fund Growth	₹79.1832 ↑ 0.18	₹6,998	5,000	2.6	0	6	15.1	12.5	11.1
SBI Multi Asset Allocation Fund Growth	₹67.1449 ↑ 0.32	₹20,240	5,000	1.6	-0.1	12.3	14.6	12.8	18.6
ICICI Prudential Multi-Asset Fund Growth	₹810.858 ↓ -4.41	₹86,785	5,000	1.9	-0.7	6.4	14.2	15.9	18.6
Axis Triple Advantage Fund Growth	₹45.4164 ↑ 0.20	₹2,499	5,000	4.9	-0.2	11.3	13.5	8.4	15.3
Edelweiss Multi Asset Allocation Fund Growth	₹65.48 ↓ -0.01	₹3,907	5,000	4.2	3.3	3.5	12.6	11.9	6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Multi Asset Fund	SBI Multi Asset Allocation Fund	ICICI Prudential Multi-Asset Fund	Axis Triple Advantage Fund	Edelweiss Multi Asset Allocation Fund
Point 1	Lower mid AUM (₹6,998 Cr).	Upper mid AUM (₹20,240 Cr).	Highest AUM (₹86,785 Cr).	Bottom quartile AUM (₹2,499 Cr).	Bottom quartile AUM (₹3,907 Cr).
Point 2	Established history (17+ yrs).	Established history (20+ yrs).	Oldest track record among peers (23 yrs).	Established history (16+ yrs).	Established history (17+ yrs).
Point 3	Rating: 1★ (bottom quartile).	Top rated.	Rating: 2★ (upper mid).	Rating: 2★ (lower mid).	Rating: 1★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 12.53% (lower mid).	5Y return: 12.79% (upper mid).	5Y return: 15.95% (top quartile).	5Y return: 8.38% (bottom quartile).	5Y return: 11.88% (bottom quartile).
Point 6	3Y return: 15.15% (top quartile).	3Y return: 14.56% (upper mid).	3Y return: 14.24% (lower mid).	3Y return: 13.45% (bottom quartile).	3Y return: 12.57% (bottom quartile).
Point 7	1Y return: 5.96% (bottom quartile).	1Y return: 12.32% (top quartile).	1Y return: 6.36% (lower mid).	1Y return: 11.33% (upper mid).	1Y return: 3.51% (bottom quartile).
Point 8	1M return: -0.94% (bottom quartile).	1M return: 0.07% (upper mid).	1M return: -0.44% (lower mid).	1M return: 0.11% (top quartile).	1M return: -0.68% (bottom quartile).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).	Alpha: 0.07 (top quartile).
Point 10	Sharpe: 0.17 (bottom quartile).	Sharpe: 0.63 (top quartile).	Sharpe: 0.28 (lower mid).	Sharpe: 0.58 (upper mid).	Sharpe: -0.11 (bottom quartile).

UTI Multi Asset Fund

Lower mid AUM (₹6,998 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 12.53% (lower mid).
3Y return: 15.15% (top quartile).
1Y return: 5.96% (bottom quartile).
1M return: -0.94% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.17 (bottom quartile).

SBI Multi Asset Allocation Fund

Upper mid AUM (₹20,240 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 12.79% (upper mid).
3Y return: 14.56% (upper mid).
1Y return: 12.32% (top quartile).
1M return: 0.07% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.63 (top quartile).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹86,785 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 15.95% (top quartile).
3Y return: 14.24% (lower mid).
1Y return: 6.36% (lower mid).
1M return: -0.44% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.28 (lower mid).

Axis Triple Advantage Fund

Bottom quartile AUM (₹2,499 Cr).
Established history (16+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 8.38% (bottom quartile).
3Y return: 13.45% (bottom quartile).
1Y return: 11.33% (upper mid).
1M return: 0.11% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.58 (upper mid).

Edelweiss Multi Asset Allocation Fund

Bottom quartile AUM (₹3,907 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 11.88% (bottom quartile).
3Y return: 12.57% (bottom quartile).
1Y return: 3.51% (bottom quartile).
1M return: -0.68% (bottom quartile).
Alpha: 0.07 (top quartile).
Sharpe: -0.11 (bottom quartile).

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 (%)
Edelweiss Equity Savings Fund Growth	₹27.4357 ↑ 0.04	₹1,530	5,000	4.2	5.6	7.8	10.6	8.5	8
Tata Equity Savings Fund Growth	₹56.3583 ↑ 0.03	₹285	5,000	-0.1	1.8	6.9	9.8	8
Kotak Equity Savings Fund Growth	₹27.5899 ↑ 0.05	₹10,409	5,000	2.7	2.7	4.9	9.5	9.2	7.9
Axis Equity Saver Fund Growth	₹23.26 ↑ 0.03	₹889	5,000	4.1	3.4	5	8.6	6.6	5.4
HDFC Equity Savings Fund Growth	₹67.984 ↑ 0.04	₹5,699	5,000	2.8	0.6	3.1	7.8	7.6	6.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Edelweiss Equity Savings Fund	Tata Equity Savings Fund	Kotak Equity Savings Fund	Axis Equity Saver Fund	HDFC Equity Savings Fund
Point 1	Lower mid AUM (₹1,530 Cr).	Bottom quartile AUM (₹285 Cr).	Highest AUM (₹10,409 Cr).	Bottom quartile AUM (₹889 Cr).	Upper mid AUM (₹5,699 Cr).
Point 2	Established history (11+ yrs).	Oldest track record among peers (29 yrs).	Established history (11+ yrs).	Established history (11+ yrs).	Established history (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: 8.55% (upper mid).	5Y return: 8.02% (lower mid).	5Y return: 9.17% (top quartile).	5Y return: 6.63% (bottom quartile).	5Y return: 7.57% (bottom quartile).
Point 6	3Y return: 10.59% (top quartile).	3Y return: 9.85% (upper mid).	3Y return: 9.48% (lower mid).	3Y return: 8.64% (bottom quartile).	3Y return: 7.79% (bottom quartile).
Point 7	1Y return: 7.76% (top quartile).	1Y return: 6.88% (upper mid).	1Y return: 4.88% (bottom quartile).	1Y return: 4.96% (lower mid).	1Y return: 3.06% (bottom quartile).
Point 8	1M return: 0.78% (top quartile).	1M return: 0.34% (upper mid).	1M return: -0.41% (lower mid).	1M return: -0.60% (bottom quartile).	1M return: -0.95% (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: 0.37 (top quartile).	Sharpe: 0.00 (lower mid).	Sharpe: 0.09 (upper mid).	Sharpe: -0.03 (bottom quartile).	Sharpe: -0.29 (bottom quartile).

Edelweiss Equity Savings Fund

Lower mid AUM (₹1,530 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 8.55% (upper mid).
3Y return: 10.59% (top quartile).
1Y return: 7.76% (top quartile).
1M return: 0.78% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.37 (top quartile).

Tata Equity Savings Fund

Bottom quartile AUM (₹285 Cr).
Oldest track record among peers (29 yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 8.02% (lower mid).
3Y return: 9.85% (upper mid).
1Y return: 6.88% (upper mid).
1M return: 0.34% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.00 (lower mid).

Kotak Equity Savings Fund

Highest AUM (₹10,409 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 9.17% (top quartile).
3Y return: 9.48% (lower mid).
1Y return: 4.88% (bottom quartile).
1M return: -0.41% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.09 (upper mid).

Axis Equity Saver Fund

Bottom quartile AUM (₹889 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 6.63% (bottom quartile).
3Y return: 8.64% (bottom quartile).
1Y return: 4.96% (lower mid).
1M return: -0.60% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.03 (bottom quartile).

HDFC Equity Savings Fund

Upper mid AUM (₹5,699 Cr).
Established history (21+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 7.57% (bottom quartile).
3Y return: 7.79% (bottom quartile).
1Y return: 3.06% (bottom quartile).
1M return: -0.95% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.29 (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	₹48.764 ↑ 0.10	₹7,014	5,000	4.1	-2	-2.9	9	11.6	5.2
ICICI Prudential Child Care Plan (Gift) Growth	₹328.27 ↑ 0.87	₹1,434	5,000	1.9	2	0.1	12.6	11.5	8.3
SBI Magnum Children's Benefit Plan Growth	₹119.59 ↑ 0.33	₹146	5,000	5	7.8	9.4	11.3	10.4	3.2
Tata Retirement Savings Fund - Progressive Growth	₹69.8393 ↑ 0.10	₹2,217	5,000	6.3	12.8	7.7	12.5	9.7	-1.2
Tata Retirement Savings Fund-Moderate Growth	₹68.8185 ↑ 0.11	₹2,218	5,000	6	11.1	7.4	11.7	9.6	1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	HDFC Retirement Savings Fund - Equity Plan	ICICI Prudential Child Care Plan (Gift)	SBI Magnum Children's Benefit Plan	Tata Retirement Savings Fund - Progressive	Tata Retirement Savings Fund-Moderate
Point 1	Highest AUM (₹7,014 Cr).	Bottom quartile AUM (₹1,434 Cr).	Bottom quartile AUM (₹146 Cr).	Lower mid AUM (₹2,217 Cr).	Upper mid AUM (₹2,218 Cr).
Point 2	Established history (10+ yrs).	Oldest track record among peers (25 yrs).	Established history (24+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).
Point 3	Not Rated.	Rating: 2★ (bottom quartile).	Top rated.	Rating: 5★ (upper mid).	Rating: 5★ (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: 11.63% (top quartile).	5Y return: 11.48% (upper mid).	5Y return: 10.37% (lower mid).	5Y return: 9.68% (bottom quartile).	5Y return: 9.62% (bottom quartile).
Point 6	3Y return: 8.99% (bottom quartile).	3Y return: 12.63% (top quartile).	3Y return: 11.30% (bottom quartile).	3Y return: 12.53% (upper mid).	3Y return: 11.73% (lower mid).
Point 7	1Y return: -2.94% (bottom quartile).	1Y return: 0.05% (bottom quartile).	1Y return: 9.35% (top quartile).	1Y return: 7.68% (upper mid).	1Y return: 7.39% (lower mid).
Point 8	1M return: -2.58% (bottom quartile).	1M return: -1.84% (bottom quartile).	1M return: 0.70% (top quartile).	1M return: 0.48% (lower mid).	1M return: 0.56% (upper mid).
Point 9	Alpha: -5.64 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 3.37 (top quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: -0.41 (bottom quartile).	Sharpe: -0.22 (bottom quartile).	Sharpe: 0.42 (top quartile).	Sharpe: 0.14 (upper mid).	Sharpe: 0.12 (lower mid).

HDFC Retirement Savings Fund - Equity Plan

Highest AUM (₹7,014 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.63% (top quartile).
3Y return: 8.99% (bottom quartile).
1Y return: -2.94% (bottom quartile).
1M return: -2.58% (bottom quartile).
Alpha: -5.64 (bottom quartile).
Sharpe: -0.41 (bottom quartile).

ICICI Prudential Child Care Plan (Gift)

Bottom quartile AUM (₹1,434 Cr).
Oldest track record among peers (25 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 11.48% (upper mid).
3Y return: 12.63% (top quartile).
1Y return: 0.05% (bottom quartile).
1M return: -1.84% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.22 (bottom quartile).

SBI Magnum Children's Benefit Plan

Bottom quartile AUM (₹146 Cr).
Established history (24+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 10.37% (lower mid).
3Y return: 11.30% (bottom quartile).
1Y return: 9.35% (top quartile).
1M return: 0.70% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.42 (top quartile).

Tata Retirement Savings Fund - Progressive

Lower mid AUM (₹2,217 Cr).
Established history (14+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 9.68% (bottom quartile).
3Y return: 12.53% (upper mid).
1Y return: 7.68% (upper mid).
1M return: 0.48% (lower mid).
Alpha: 3.37 (top quartile).
Sharpe: 0.14 (upper mid).

Tata Retirement Savings Fund-Moderate

Upper mid AUM (₹2,218 Cr).
Established history (14+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately High.
5Y return: 9.62% (bottom quartile).
3Y return: 11.73% (lower mid).
1Y return: 7.39% (lower mid).
1M return: 0.56% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.12 (lower mid).

Best Lump sum Mutual Fund on 1 Month Performance

1. DSP World Gold Fund

"The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized."

Research Highlights for DSP World Gold Fund

Upper mid AUM (₹1,441 Cr).
Oldest track record among peers (18 yrs).
Top rated.
Risk profile: High.
5Y return: 29.76% (top quartile).
3Y return: 56.32% (top quartile).
1Y return: 67.73% (upper mid).
Alpha: 2.59 (top quartile).
Sharpe: 1.14 (bottom quartile).
Information ratio: -0.56 (bottom quartile).
Top sector: Basic Materials.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~92%).
Largest holding BGF World Gold I2 (~66.2%).
Top-3 holdings concentration ~98.4%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (02 Sep 26)	₹63.0691 ↑ 1.20 (1.94 %)
Net Assets (Cr)	₹1,441 on 31 Jul 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	1.14
Information Ratio	-0.56
Alpha Ratio	2.59
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹7,679
31 Aug 23	₹9,692
31 Aug 24	₹12,678
31 Aug 25	₹21,230
31 Aug 26	₹37,198

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹627,226.
Net Profit of ₹327,226 Invest Now

Returns for DSP World Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 26

Duration	Returns
1 Month	29%
3 Month	10.7%
6 Month	-10.8%
1 Year	67.7%
3 Year	56.3%
5 Year	29.8%
10 Year
15 Year
Since launch	10.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	167.1%
2023	15.9%
2022	7%
2021	-7.7%
2020	-9%
2019	31.4%
2018	35.1%
2017	-10.7%
2016	-4%
2015	52.7%

Fund Manager information for DSP World Gold Fund

Name	Since	Tenure
Kaivalya Nadkarni	1 May 25	1.25 Yr.

Data below for DSP World Gold Fund as on 31 Jul 26

Equity Sector Allocation

Sector	Value
Basic Materials	91.57%

Asset Allocation

Asset Class	Value
Cash	6.38%
Equity	91.78%
Debt	0.01%
Other	1.84%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	66%	₹954 Cr	983,452
VanEck Gold Miners ETF - \| GDX	28%	₹405 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	4%	₹58 Cr
Net Receivables/Payables Net Current Assets \| -	2%	₹23 Cr

2. DSP World Mining Fund

The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in the units of BlackRock Global Funds – World Mining Fund. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or money market/liquid schemes of DSP BlackRock Mutual Fund, in order to meet liquidity requirements from time to time.

Research Highlights for DSP World Mining Fund

Bottom quartile AUM (₹168 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 19.90% (bottom quartile).
3Y return: 30.49% (bottom quartile).
1Y return: 76.08% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 1.67 (top quartile).
Information ratio: 0.00 (top quartile).
Top sector: Basic Materials.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~94%).
Largest holding BGF World Mining I2 (~95.9%).
Top-3 holdings concentration ~100.0%.

Below is the key information for DSP World Mining Fund

DSP World Mining Fund Growth
Launch Date	29 Dec 09
NAV (02 Sep 26)	₹34.9319 ↑ 0.37 (1.08 %)
Net Assets (Cr)	₹168 on 31 Jul 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.14
Sharpe Ratio	1.67
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹9,847
31 Aug 23	₹11,099
31 Aug 24	₹11,646
31 Aug 25	₹14,040
31 Aug 26	₹25,070

DSP World Mining Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for DSP World Mining Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 26

Duration	Returns
1 Month	15.7%
3 Month	1.6%
6 Month	1.3%
1 Year	76.1%
3 Year	30.5%
5 Year	19.9%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	79%
2023	-8.1%
2022	0%
2021	12.2%
2020	18%
2019	34.9%
2018	21.5%
2017	-9.4%
2016	21.1%
2015	49.7%

Fund Manager information for DSP World Mining Fund

Name	Since	Tenure
Kaivalya Nadkarni	1 May 25	1.25 Yr.

Data below for DSP World Mining Fund as on 31 Jul 26

Equity Sector Allocation

Sector	Value
Basic Materials	93.15%
Energy	1.01%

Asset Allocation

Asset Class	Value
Cash	5.83%
Equity	94.15%
Debt	0.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Mining I2 Investment Fund \| -	96%	₹161 Cr	141,034
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	3%	₹6 Cr
Net Receivables/Payables Net Current Assets \| -	1%	₹1 Cr

3. Invesco India Gold Fund

To provide returns that closely corresponds to returns provided by Invesco India Gold Exchange Traded Fund.

Research Highlights for Invesco India Gold Fund

Lower mid AUM (₹463 Cr).
Established history (14+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 24.78% (upper mid).
3Y return: 35.10% (lower mid).
1Y return: 42.39% (bottom quartile).
1M return: 7.75% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 1.21 (lower mid).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding Invesco India Gold ETF (~98.1%).
Top-3 holdings concentration ~100.0%.

Below is the key information for Invesco India Gold Fund

Invesco India Gold Fund Growth
Launch Date	5 Dec 11
NAV (03 Sep 26)	₹42.6821 ↑ 1.13 (2.72 %)
Net Assets (Cr)	₹463 on 31 Jul 26
Category	Gold - Gold
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	0.37
Sharpe Ratio	1.21
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-6 Months (2%),6-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,679
31 Aug 23	₹12,199
31 Aug 24	₹14,719
31 Aug 25	₹20,302
31 Aug 26	₹30,196

Invesco India Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 Invest Now

Returns for Invesco India Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 26

Duration	Returns
1 Month	7.8%
3 Month	-0.7%
6 Month	-7.9%
1 Year	42.4%
3 Year	35.1%
5 Year	24.8%
10 Year
15 Year
Since launch	10.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	69.6%
2023	18.8%
2022	14.5%
2021	12.8%
2020	-5.5%
2019	27.2%
2018	21.4%
2017	6.6%
2016	1.3%
2015	21.6%

Fund Manager information for Invesco India Gold Fund

Name	Since	Tenure
Abhisek Bahinipati	1 Nov 25	0.83 Yr.

Data below for Invesco India Gold Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	3.75%
Other	96.25%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Invesco India Gold ETF - \| -	98%	₹454 Cr	36,832,080 ↑ 250,000
Triparty Repo CBLO/Reverse Repo \| -	2%	₹8 Cr
Net Receivables / (Payables) CBLO \| -	0%	₹0 Cr

4. Kotak Gold Fund

The investment objective of the scheme is to generate returns by investing in units of Kotak Gold Exchange Traded Fund.

Research Highlights for Kotak Gold Fund

Highest AUM (₹6,532 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 24.67% (lower mid).
3Y return: 35.22% (upper mid).
1Y return: 42.99% (lower mid).
1M return: 7.63% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.30 (upper mid).
Information ratio: 0.00 (lower mid).
Top bond sector: Cash Equivalent.
Largest holding Kotak Gold ETF (~99.8%).
Top-3 holdings concentration ~100.2%.

Below is the key information for Kotak Gold Fund

Kotak Gold Fund Growth
Launch Date	25 Mar 11
NAV (03 Sep 26)	₹58.3094 ↑ 1.24 (2.17 %)
Net Assets (Cr)	₹6,532 on 31 Jul 26
Category	Gold - Gold
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆
Risk	Moderately High
Expense Ratio	0.5
Sharpe Ratio	1.3
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-6 Months (2%),6-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,634
31 Aug 23	₹12,161
31 Aug 24	₹14,601
31 Aug 25	₹20,423
31 Aug 26	₹30,400

Kotak Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 Invest Now

Returns for Kotak Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 26

Duration	Returns
1 Month	7.6%
3 Month	-1.1%
6 Month	-8.8%
1 Year	43%
3 Year	35.2%
5 Year	24.7%
10 Year
15 Year
Since launch	12.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	70.4%
2023	18.9%
2022	13.9%
2021	11.7%
2020	-4.7%
2019	26.6%
2018	24.1%
2017	7.3%
2016	2.5%
2015	10.2%

Fund Manager information for Kotak Gold Fund

Name	Since	Tenure
Abhishek Bisen	25 Mar 11	15.45 Yr.
Jeetu Sonar	1 Oct 22	3.92 Yr.

Data below for Kotak Gold Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	1.66%
Other	98.34%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Kotak Gold ETF - \| -	100%	₹6,520 Cr	551,808,125 ↑ 3,970,000
Triparty Repo CBLO/Reverse Repo \| -	0%	₹19 Cr
Net Current Assets/(Liabilities) Net Current Assets \| -	0%	-₹8 Cr

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.