5 Best Performing Lump sum Investments 2026 - 2027

Updated on August 11, 2026 , 156626 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	₹73.28 ↓ -0.28	₹1,847	5,000	10.3	5.6	8.3	14.5	11.6	5.5
Bandhan Large Cap Fund Growth	₹79.509 ↓ -0.22	₹2,061	5,000	7.6	1.1	4.5	13.5	11	8.2
ICICI Prudential Bluechip Fund Growth	₹109.78 ↓ -0.17	₹79,421	5,000	5	-2.6	0.5	12.6	12.3	11.3
BNP Paribas Large Cap Fund Growth	₹226.022 ↓ -0.04	₹2,571	5,000	6.3	1.2	4.1	12.5	11.2	4.4
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 India Top 100 Equity Fund	Invesco India Largecap Fund	Bandhan Large Cap Fund	ICICI Prudential Bluechip Fund	BNP Paribas Large Cap Fund
Point 1	Bottom quartile AUM (₹655 Cr).	Bottom quartile AUM (₹1,847 Cr).	Lower mid AUM (₹2,061 Cr).	Highest AUM (₹79,421 Cr).	Upper mid AUM (₹2,571 Cr).
Point 2	Established history (14+ yrs).	Established history (16+ yrs).	Established history (20+ yrs).	Established history (18+ yrs).	Oldest track record among peers (21 yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Top rated.	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 12.61% (top quartile).	5Y return: 11.58% (lower mid).	5Y return: 11.04% (bottom quartile).	5Y return: 12.30% (upper mid).	5Y return: 11.16% (bottom quartile).
Point 6	3Y return: 21.88% (top quartile).	3Y return: 14.49% (upper mid).	3Y return: 13.48% (lower mid).	3Y return: 12.62% (bottom quartile).	3Y return: 12.50% (bottom quartile).
Point 7	1Y return: 15.39% (top quartile).	1Y return: 8.30% (upper mid).	1Y return: 4.49% (lower mid).	1Y return: 0.48% (bottom quartile).	1Y return: 4.07% (bottom quartile).
Point 8	Alpha: 2.11 (lower mid).	Alpha: 3.75 (top quartile).	Alpha: 2.34 (upper mid).	Alpha: -1.21 (bottom quartile).	Alpha: -0.07 (bottom quartile).
Point 9	Sharpe: 1.09 (top quartile).	Sharpe: -0.25 (upper mid).	Sharpe: -0.35 (lower mid).	Sharpe: -0.55 (bottom quartile).	Sharpe: -0.47 (bottom quartile).
Point 10	Information ratio: 0.14 (bottom quartile).	Information ratio: 0.82 (upper mid).	Information ratio: 0.63 (lower mid).	Information ratio: 0.85 (top quartile).	Information ratio: 0.51 (bottom quartile).

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 (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 11.58% (lower mid).
3Y return: 14.49% (upper mid).
1Y return: 8.30% (upper mid).
Alpha: 3.75 (top quartile).
Sharpe: -0.25 (upper mid).
Information ratio: 0.82 (upper mid).

Bandhan Large Cap Fund

Lower mid AUM (₹2,061 Cr).
Established history (20+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 11.04% (bottom quartile).
3Y return: 13.48% (lower mid).
1Y return: 4.49% (lower mid).
Alpha: 2.34 (upper mid).
Sharpe: -0.35 (lower mid).
Information ratio: 0.63 (lower mid).

ICICI Prudential Bluechip Fund

Highest AUM (₹79,421 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 12.30% (upper mid).
3Y return: 12.62% (bottom quartile).
1Y return: 0.48% (bottom quartile).
Alpha: -1.21 (bottom quartile).
Sharpe: -0.55 (bottom quartile).
Information ratio: 0.85 (top quartile).

BNP Paribas Large Cap Fund

Upper mid AUM (₹2,571 Cr).
Oldest track record among peers (21 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 11.16% (bottom quartile).
3Y return: 12.50% (bottom quartile).
1Y return: 4.07% (bottom quartile).
Alpha: -0.07 (bottom quartile).
Sharpe: -0.47 (bottom quartile).
Information ratio: 0.51 (bottom quartile).

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	₹104.11 ↓ -0.91	₹37,474	5,000	16.7	13.6	3.8	20.8	22.4	-12.1
Invesco India Mid Cap Fund Growth	₹199.03 ↓ -1.20	₹13,767	5,000	11.4	10.7	11.6	24.5	19.7	6.3
Edelweiss Mid Cap Fund Growth	₹110.148 ↓ -0.36	₹17,748	5,000	6.9	7.4	11.2	22.3	18.5	3.8
Sundaram Mid Cap Fund Growth	₹1,528.87 ↓ -3.82	₹14,026	5,000	8.5	7.6	11.8	20.9	18.2	4.1
ICICI Prudential MidCap Fund Growth	₹346.27 ↓ -1.92	₹7,846	5,000	5	9.2	18.8	23.3	18.1	11.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Aug 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Motilal Oswal Midcap 30 Fund	Invesco India Mid Cap Fund	Edelweiss Mid Cap Fund	Sundaram Mid Cap Fund	ICICI Prudential MidCap Fund
Point 1	Highest AUM (₹37,474 Cr).	Bottom quartile AUM (₹13,767 Cr).	Upper mid AUM (₹17,748 Cr).	Lower mid AUM (₹14,026 Cr).	Bottom quartile AUM (₹7,846 Cr).
Point 2	Established history (12+ yrs).	Established history (19+ yrs).	Established history (18+ yrs).	Oldest track record among peers (24 yrs).	Established history (21+ yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Top rated.	Rating: 2★ (bottom quartile).
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: 22.40% (top quartile).	5Y return: 19.73% (upper mid).	5Y return: 18.54% (lower mid).	5Y return: 18.18% (bottom quartile).	5Y return: 18.07% (bottom quartile).
Point 6	3Y return: 20.76% (bottom quartile).	3Y return: 24.55% (top quartile).	3Y return: 22.25% (lower mid).	3Y return: 20.94% (bottom quartile).	3Y return: 23.28% (upper mid).
Point 7	1Y return: 3.78% (bottom quartile).	1Y return: 11.56% (lower mid).	1Y return: 11.23% (bottom quartile).	1Y return: 11.84% (upper mid).	1Y return: 18.81% (top quartile).
Point 8	Alpha: -14.72 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: -1.09 (bottom quartile).	Alpha: 0.71 (upper mid).	Alpha: 6.02 (top quartile).
Point 9	Sharpe: -0.71 (bottom quartile).	Sharpe: 0.19 (upper mid).	Sharpe: -0.04 (bottom quartile).	Sharpe: 0.06 (lower mid).	Sharpe: 0.32 (top quartile).
Point 10	Information ratio: -0.25 (bottom quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.48 (upper mid).	Information ratio: 0.32 (lower mid).	Information ratio: 0.87 (top quartile).

Motilal Oswal Midcap 30 Fund

Highest AUM (₹37,474 Cr).
Established history (12+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 22.40% (top quartile).
3Y return: 20.76% (bottom quartile).
1Y return: 3.78% (bottom quartile).
Alpha: -14.72 (bottom quartile).
Sharpe: -0.71 (bottom quartile).
Information ratio: -0.25 (bottom quartile).

Invesco India Mid Cap Fund

Bottom quartile AUM (₹13,767 Cr).
Established history (19+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.73% (upper mid).
3Y return: 24.55% (top quartile).
1Y return: 11.56% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.19 (upper mid).
Information ratio: 0.00 (bottom quartile).

Edelweiss Mid Cap Fund

Upper mid AUM (₹17,748 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 18.54% (lower mid).
3Y return: 22.25% (lower mid).
1Y return: 11.23% (bottom quartile).
Alpha: -1.09 (bottom quartile).
Sharpe: -0.04 (bottom quartile).
Information ratio: 0.48 (upper mid).

Sundaram Mid Cap Fund

Lower mid AUM (₹14,026 Cr).
Oldest track record among peers (24 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 18.18% (bottom quartile).
3Y return: 20.94% (bottom quartile).
1Y return: 11.84% (upper mid).
Alpha: 0.71 (upper mid).
Sharpe: 0.06 (lower mid).
Information ratio: 0.32 (lower mid).

ICICI Prudential MidCap Fund

Bottom quartile AUM (₹7,846 Cr).
Established history (21+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 18.07% (bottom quartile).
3Y return: 23.28% (upper mid).
1Y return: 18.81% (top quartile).
Alpha: 6.02 (top quartile).
Sharpe: 0.32 (top quartile).
Information ratio: 0.87 (top quartile).

Top 5 Lump sum Small Cap Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
IDBI Small Cap Fund Growth	₹34.7077 ↓ -0.01	₹743	5,000	12	20.8	18.9	18.6	18.1	-13.4
DSP Small Cap Fund Growth	₹229.151 ↑ 0.26	₹19,635	1,000	13.5	17.3	19.3	18	17.9	-2.8
Franklin India Smaller Companies Fund Growth	₹180.791 ↓ -0.71	₹14,336	5,000	7.5	11.3	9.1	14.8	17	-8.4
Sundaram Small Cap Fund Growth	₹297.62 ↓ -0.05	₹3,872	5,000	9.6	16.2	18.3	18	16.9	0.4
HDFC Small Cap Fund Growth	₹141.46 ↓ -0.33	₹40,417	5,000	7.1	5.1	1.6	12.3	15.3	-0.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Aug 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	IDBI Small Cap Fund	DSP Small Cap Fund	Franklin India Smaller Companies Fund	Sundaram Small Cap Fund	HDFC Small Cap Fund
Point 1	Bottom quartile AUM (₹743 Cr).	Upper mid AUM (₹19,635 Cr).	Lower mid AUM (₹14,336 Cr).	Bottom quartile AUM (₹3,872 Cr).	Highest AUM (₹40,417 Cr).
Point 2	Established history (9+ yrs).	Established history (19+ yrs).	Established history (20+ yrs).	Oldest track record among peers (21 yrs).	Established history (18+ yrs).
Point 3	Not Rated.	Top rated.	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).	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: 18.08% (top quartile).	5Y return: 17.94% (upper mid).	5Y return: 16.98% (lower mid).	5Y return: 16.93% (bottom quartile).	5Y return: 15.31% (bottom quartile).
Point 6	3Y return: 18.62% (top quartile).	3Y return: 18.03% (upper mid).	3Y return: 14.80% (bottom quartile).	3Y return: 18.01% (lower mid).	3Y return: 12.30% (bottom quartile).
Point 7	1Y return: 18.93% (upper mid).	1Y return: 19.27% (top quartile).	1Y return: 9.14% (bottom quartile).	1Y return: 18.29% (lower mid).	1Y return: 1.61% (bottom quartile).
Point 8	Alpha: 9.18 (top quartile).	Alpha: 0.00 (lower mid).	Alpha: -0.56 (bottom quartile).	Alpha: 8.89 (upper mid).	Alpha: 0.00 (bottom quartile).
Point 9	Sharpe: 0.27 (top quartile).	Sharpe: 0.19 (lower mid).	Sharpe: -0.15 (bottom quartile).	Sharpe: 0.25 (upper mid).	Sharpe: -0.37 (bottom quartile).
Point 10	Information ratio: -0.23 (bottom quartile).	Information ratio: 0.00 (top quartile).	Information ratio: -0.65 (bottom quartile).	Information ratio: -0.17 (lower mid).	Information ratio: 0.00 (upper mid).

IDBI Small Cap Fund

Bottom quartile AUM (₹743 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 18.08% (top quartile).
3Y return: 18.62% (top quartile).
1Y return: 18.93% (upper mid).
Alpha: 9.18 (top quartile).
Sharpe: 0.27 (top quartile).
Information ratio: -0.23 (bottom quartile).

DSP Small Cap Fund

Upper mid AUM (₹19,635 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 17.94% (upper mid).
3Y return: 18.03% (upper mid).
1Y return: 19.27% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.19 (lower mid).
Information ratio: 0.00 (top quartile).

Franklin India Smaller Companies Fund

Lower mid AUM (₹14,336 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 16.98% (lower mid).
3Y return: 14.80% (bottom quartile).
1Y return: 9.14% (bottom quartile).
Alpha: -0.56 (bottom quartile).
Sharpe: -0.15 (bottom quartile).
Information ratio: -0.65 (bottom quartile).

Sundaram Small Cap Fund

Bottom quartile AUM (₹3,872 Cr).
Oldest track record among peers (21 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.93% (bottom quartile).
3Y return: 18.01% (lower mid).
1Y return: 18.29% (lower mid).
Alpha: 8.89 (upper mid).
Sharpe: 0.25 (upper mid).
Information ratio: -0.17 (lower mid).

HDFC Small Cap Fund

Highest AUM (₹40,417 Cr).
Established history (18+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 15.31% (bottom quartile).
3Y return: 12.30% (bottom quartile).
1Y return: 1.61% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.37 (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	₹40.16 ↓ -0.03	₹1,229	1,000	13.3	19.2	28.4	21.8	15.5	3.5
Motilal Oswal Multicap 35 Fund Growth	₹63.586 ↓ -0.39	₹13,294	5,000	16.3	10.3	6	20.2	12.6	-5.6
Mahindra Badhat Yojana Growth	₹39.5709 ↓ -0.05	₹6,926	1,000	9.8	10.6	14.1	17.8	15.7	3.4
ICICI Prudential Multicap Fund Growth	₹870.68 ↓ -3.61	₹18,194	5,000	6.6	8.6	11.6	17.5	15.6	5.7
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	Mahindra Badhat Yojana	ICICI Prudential Multicap Fund
Point 1	Bottom quartile AUM (₹382 Cr).	Bottom quartile AUM (₹1,229 Cr).	Upper mid AUM (₹13,294 Cr).	Lower mid AUM (₹6,926 Cr).	Highest AUM (₹18,194 Cr).
Point 2	Established history (12+ yrs).	Established history (11+ yrs).	Established history (12+ yrs).	Established history (9+ yrs).	Oldest track record among peers (31 yrs).
Point 3	Rating: 2★ (lower mid).	Not Rated.	Top rated.	Not Rated.	Rating: 3★ (upper mid).
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: 15.49% (lower mid).	5Y return: 12.64% (bottom quartile).	5Y return: 15.73% (top quartile).	5Y return: 15.55% (upper mid).
Point 6	3Y return: 22.73% (top quartile).	3Y return: 21.84% (upper mid).	3Y return: 20.17% (lower mid).	3Y return: 17.78% (bottom quartile).	3Y return: 17.53% (bottom quartile).
Point 7	1Y return: 13.54% (lower mid).	1Y return: 28.44% (top quartile).	1Y return: 6.01% (bottom quartile).	1Y return: 14.08% (upper mid).	1Y return: 11.60% (bottom quartile).
Point 8	Alpha: -1.07 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: -7.36 (bottom quartile).	Alpha: 4.46 (upper mid).	Alpha: 6.49 (top quartile).
Point 9	Sharpe: 1.01 (top quartile).	Sharpe: 0.54 (upper mid).	Sharpe: -0.74 (bottom quartile).	Sharpe: 0.01 (bottom quartile).	Sharpe: 0.09 (lower mid).
Point 10	Information ratio: -0.53 (bottom quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.53 (lower mid).	Information ratio: 0.64 (top quartile).	Information ratio: 0.61 (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% (lower mid).
Alpha: -1.07 (bottom quartile).
Sharpe: 1.01 (top quartile).
Information ratio: -0.53 (bottom quartile).

Aditya Birla Sun Life Manufacturing Equity Fund

Bottom quartile AUM (₹1,229 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: High.
5Y return: 15.49% (lower mid).
3Y return: 21.84% (upper mid).
1Y return: 28.44% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.54 (upper mid).
Information ratio: 0.00 (bottom quartile).

Motilal Oswal Multicap 35 Fund

Upper mid AUM (₹13,294 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 12.64% (bottom quartile).
3Y return: 20.17% (lower mid).
1Y return: 6.01% (bottom quartile).
Alpha: -7.36 (bottom quartile).
Sharpe: -0.74 (bottom quartile).
Information ratio: 0.53 (lower mid).

Mahindra Badhat Yojana

Lower mid AUM (₹6,926 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 15.73% (top quartile).
3Y return: 17.78% (bottom quartile).
1Y return: 14.08% (upper mid).
Alpha: 4.46 (upper mid).
Sharpe: 0.01 (bottom quartile).
Information ratio: 0.64 (top quartile).

ICICI Prudential Multicap Fund

Highest AUM (₹18,194 Cr).
Oldest track record among peers (31 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 15.55% (upper mid).
3Y return: 17.53% (bottom quartile).
1Y return: 11.60% (bottom quartile).
Alpha: 6.49 (top quartile).
Sharpe: 0.09 (lower mid).
Information ratio: 0.61 (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	₹56.8942 ↓ -0.37	₹4,862	500	6.1	16.1	13.6	22.4	16.9	-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
JM Tax Gain Fund Growth	₹52.8875 ↓ -0.25	₹232	500	12.9	11.1	12	16.9	15	2.5
Baroda Pioneer ELSS 96 Growth	₹68.6676 ↑ 0.33	₹210	500	-6.1	-3.5	17.6	16.7	11.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Aug 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Motilal Oswal Long Term Equity Fund	IDBI Equity Advantage Fund	HDFC Long Term Advantage Fund	JM Tax Gain Fund	Baroda Pioneer ELSS 96
Point 1	Highest AUM (₹4,862 Cr).	Lower mid AUM (₹485 Cr).	Upper mid AUM (₹1,318 Cr).	Bottom quartile AUM (₹232 Cr).	Bottom quartile AUM (₹210 Cr).
Point 2	Established history (11+ yrs).	Established history (12+ yrs).	Oldest track record among peers (25 yrs).	Established history (18+ yrs).	Established history (11+ yrs).
Point 3	Not Rated.	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	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: 16.90% (upper mid).	5Y return: 9.97% (bottom quartile).	5Y return: 17.39% (top quartile).	5Y return: 14.96% (lower mid).	5Y return: 11.62% (bottom quartile).
Point 6	3Y return: 22.39% (top quartile).	3Y return: 20.84% (upper mid).	3Y return: 20.64% (lower mid).	3Y return: 16.93% (bottom quartile).	3Y return: 16.70% (bottom quartile).
Point 7	1Y return: 13.56% (bottom quartile).	1Y return: 16.92% (lower mid).	1Y return: 35.51% (top quartile).	1Y return: 11.96% (bottom quartile).	1Y return: 17.56% (upper mid).
Point 8	Alpha: 6.27 (top quartile).	Alpha: 1.78 (bottom quartile).	Alpha: 1.75 (bottom quartile).	Alpha: 4.31 (lower mid).	Alpha: 5.69 (upper mid).
Point 9	Sharpe: 0.02 (bottom quartile).	Sharpe: 1.21 (lower mid).	Sharpe: 2.27 (upper mid).	Sharpe: -0.11 (bottom quartile).	Sharpe: 2.51 (top quartile).
Point 10	Information ratio: 0.76 (top quartile).	Information ratio: -1.13 (bottom quartile).	Information ratio: -0.15 (bottom quartile).	Information ratio: 0.50 (upper mid).	Information ratio: -0.09 (lower mid).

Motilal Oswal Long Term Equity Fund

Highest AUM (₹4,862 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.90% (upper mid).
3Y return: 22.39% (top quartile).
1Y return: 13.56% (bottom quartile).
Alpha: 6.27 (top quartile).
Sharpe: 0.02 (bottom quartile).
Information ratio: 0.76 (top quartile).

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).

JM Tax Gain Fund

Bottom quartile AUM (₹232 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 14.96% (lower mid).
3Y return: 16.93% (bottom quartile).
1Y return: 11.96% (bottom quartile).
Alpha: 4.31 (lower mid).
Sharpe: -0.11 (bottom quartile).
Information ratio: 0.50 (upper mid).

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 (upper mid).
Sharpe: 2.51 (top quartile).
Information ratio: -0.09 (lower mid).

Top 5 Lump sum Sector Equity Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
LIC MF Infrastructure Fund Growth	₹55.6819 ↓ -0.04	₹1,137	5,000	7.7	11	14.8	25.4	22.4	-3.7
SBI PSU Fund Growth	₹34.6131 ↓ -0.22	₹6,684	5,000	-0.6	-2.9	11.2	23.7	23.5	11.3
UTI Healthcare Fund Growth	₹341.252 ↓ -0.12	₹1,308	5,000	13.5	22.2	15.7	23.4	15.6	-3.1
SBI Healthcare Opportunities Fund Growth	₹520.362 ↑ 0.73	₹4,998	5,000	13.7	24.5	20	23.3	17.8	-3.5
BOI AXA Manufacturing and Infrastructure Fund Growth	₹67.38 ↓ -0.10	₹837	5,000	7.7	14.1	22.9	23.1	20.7	7.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Aug 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	LIC MF Infrastructure Fund	SBI PSU Fund	UTI Healthcare Fund	SBI Healthcare Opportunities Fund	BOI AXA Manufacturing and Infrastructure Fund
Point 1	Bottom quartile AUM (₹1,137 Cr).	Highest AUM (₹6,684 Cr).	Lower mid AUM (₹1,308 Cr).	Upper mid AUM (₹4,998 Cr).	Bottom quartile AUM (₹837 Cr).
Point 2	Established history (18+ yrs).	Established history (16+ yrs).	Oldest track record among peers (27 yrs).	Established history (21+ yrs).	Established history (16+ yrs).
Point 3	Not Rated.	Top rated.	Rating: 1★ (lower mid).	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: 22.44% (upper mid).	5Y return: 23.54% (top quartile).	5Y return: 15.59% (bottom quartile).	5Y return: 17.82% (bottom quartile).	5Y return: 20.75% (lower mid).
Point 6	3Y return: 25.40% (top quartile).	3Y return: 23.69% (upper mid).	3Y return: 23.36% (lower mid).	3Y return: 23.31% (bottom quartile).	3Y return: 23.14% (bottom quartile).
Point 7	1Y return: 14.83% (bottom quartile).	1Y return: 11.21% (bottom quartile).	1Y return: 15.69% (lower mid).	1Y return: 20.03% (upper mid).	1Y return: 22.87% (top quartile).
Point 8	Alpha: 8.41 (top quartile).	Alpha: -0.30 (bottom quartile).	Alpha: 2.15 (lower mid).	Alpha: 2.23 (upper mid).	Alpha: 0.00 (bottom quartile).
Point 9	Sharpe: 0.22 (bottom quartile).	Sharpe: 0.12 (bottom quartile).	Sharpe: 0.58 (upper mid).	Sharpe: 0.59 (top quartile).	Sharpe: 0.53 (lower mid).
Point 10	Information ratio: 0.58 (top quartile).	Information ratio: -0.11 (bottom quartile).	Information ratio: 0.20 (upper mid).	Information ratio: -0.17 (bottom quartile).	Information ratio: 0.00 (lower mid).

LIC MF Infrastructure Fund

Bottom quartile AUM (₹1,137 Cr).
Established history (18+ yrs).
Not Rated.
Risk profile: High.
5Y return: 22.44% (upper mid).
3Y return: 25.40% (top quartile).
1Y return: 14.83% (bottom quartile).
Alpha: 8.41 (top quartile).
Sharpe: 0.22 (bottom quartile).
Information ratio: 0.58 (top quartile).

SBI PSU Fund

Highest AUM (₹6,684 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: High.
5Y return: 23.54% (top quartile).
3Y return: 23.69% (upper mid).
1Y return: 11.21% (bottom quartile).
Alpha: -0.30 (bottom quartile).
Sharpe: 0.12 (bottom quartile).
Information ratio: -0.11 (bottom quartile).

UTI Healthcare Fund

Lower mid AUM (₹1,308 Cr).
Oldest track record among peers (27 yrs).
Rating: 1★ (lower mid).
Risk profile: High.
5Y return: 15.59% (bottom quartile).
3Y return: 23.36% (lower mid).
1Y return: 15.69% (lower mid).
Alpha: 2.15 (lower mid).
Sharpe: 0.58 (upper mid).
Information ratio: 0.20 (upper mid).

SBI Healthcare Opportunities Fund

Upper mid AUM (₹4,998 Cr).
Established history (21+ yrs).
Rating: 2★ (upper mid).
Risk profile: High.
5Y return: 17.82% (bottom quartile).
3Y return: 23.31% (bottom quartile).
1Y return: 20.03% (upper mid).
Alpha: 2.23 (upper mid).
Sharpe: 0.59 (top quartile).
Information ratio: -0.17 (bottom quartile).

BOI AXA Manufacturing and Infrastructure Fund

Bottom quartile AUM (₹837 Cr).
Established history (16+ yrs).
Not Rated.
Risk profile: High.
5Y return: 20.75% (lower mid).
3Y return: 23.14% (bottom quartile).
1Y return: 22.87% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.53 (lower mid).
Information ratio: 0.00 (lower mid).

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

Top 5 Lump sum Ultra Short Term Debt Mutual Funds

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

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹588.716 ↑ 0.14	₹17,816	1,000	1.9	3.3	6.4	7.3	7.4	7.45%	5M 26D	6M 18D
ICICI Prudential Ultra Short Term Fund Growth	₹29.699 ↑ 0.01	₹14,352	5,000	1.8	3.2	6.3	7	7.1	7.79%	5M 8D	6M 11D
SBI Magnum Ultra Short Duration Fund Growth	₹6,398.78 ↑ 1.73	₹11,408	5,000	1.8	3.2	6.2	7	7	7.77%	5M 5D	8M 16D
Nippon India Ultra Short Duration Fund Growth	₹4,313.18 ↑ 1.07	₹10,200	100	1.8	3.2	6.2	6.8	6.8	7.83%	5M 1D	7M 3D
Invesco India Ultra Short Term Fund Growth	₹2,886.27 ↑ 0.69	₹1,002	5,000	1.8	3.3	6.1	6.9	6.8	7.53%	5M 3D	5M 6D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Aug 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 (₹17,816 Cr).	Upper mid AUM (₹14,352 Cr).	Lower mid AUM (₹11,408 Cr).	Bottom quartile AUM (₹10,200 Cr).	Bottom quartile AUM (₹1,002 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: 6.40% (top quartile).	1Y return: 6.30% (upper mid).	1Y return: 6.20% (lower mid).	1Y return: 6.20% (bottom quartile).	1Y return: 6.14% (bottom quartile).
Point 6	1M return: 0.62% (top quartile).	1M return: 0.59% (upper mid).	1M return: 0.57% (bottom quartile).	1M return: 0.56% (bottom quartile).	1M return: 0.59% (lower mid).
Point 7	Sharpe: 0.91 (upper mid).	Sharpe: 0.92 (top quartile).	Sharpe: 0.84 (bottom quartile).	Sharpe: 0.85 (lower mid).	Sharpe: 0.68 (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% (bottom quartile).	Yield to maturity (debt): 7.79% (upper mid).	Yield to maturity (debt): 7.77% (lower mid).	Yield to maturity (debt): 7.83% (top quartile).	Yield to maturity (debt): 7.53% (bottom quartile).
Point 10	Modified duration: 0.49 yrs (bottom quartile).	Modified duration: 0.44 yrs (bottom quartile).	Modified duration: 0.43 yrs (lower mid).	Modified duration: 0.42 yrs (top quartile).	Modified duration: 0.42 yrs (upper mid).

Aditya Birla Sun Life Savings Fund

Highest AUM (₹17,816 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.40% (top quartile).
1M return: 0.62% (top quartile).
Sharpe: 0.91 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.45% (bottom quartile).
Modified duration: 0.49 yrs (bottom quartile).

ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹14,352 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.30% (upper mid).
1M return: 0.59% (upper mid).
Sharpe: 0.92 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.79% (upper mid).
Modified duration: 0.44 yrs (bottom quartile).

SBI Magnum Ultra Short Duration Fund

Lower mid AUM (₹11,408 Cr).
Oldest track record among peers (27 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.20% (lower mid).
1M return: 0.57% (bottom quartile).
Sharpe: 0.84 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.77% (lower mid).
Modified duration: 0.43 yrs (lower mid).

Nippon India Ultra Short Duration Fund

Bottom quartile AUM (₹10,200 Cr).
Established history (24+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.20% (bottom quartile).
1M return: 0.56% (bottom quartile).
Sharpe: 0.85 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.83% (top quartile).
Modified duration: 0.42 yrs (top quartile).

Invesco India Ultra Short Term Fund

Bottom quartile AUM (₹1,002 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.14% (bottom quartile).
1M return: 0.59% (lower mid).
Sharpe: 0.68 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.53% (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
ICICI Prudential Short Term Fund Growth	₹64.5082 ↑ 0.02	₹19,175	5,000	2.5	3.3	6.3	7.5	8	8.14%	2Y 8M 19D	4Y 5M 23D
Bandhan Bond Fund Short Term Plan Growth	₹61.1841 ↑ 0.02	₹8,889	5,000	2.6	3.6	6.2	7.4	7.5	7.73%	2Y 2M 16D	2Y 11M 26D
HDFC Short Term Debt Fund Growth	₹34.2205 ↑ 0.00	₹15,008	5,000	2.4	3.1	6	7.5	7.8	8.01%	2Y 4M 28D	3Y 1M 24D
Axis Short Term Fund Growth	₹33.069 ↑ 0.01	₹8,183	5,000	2.3	3.1	6	7.4	8.1	7.92%	2Y 3M 22D	3Y 2M 23D
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	ICICI Prudential Short Term Fund	Bandhan Bond Fund Short Term Plan	HDFC Short Term Debt Fund	Axis Short Term Fund
Point 1	Bottom quartile AUM (₹362 Cr).	Highest AUM (₹19,175 Cr).	Lower mid AUM (₹8,889 Cr).	Upper mid AUM (₹15,008 Cr).	Bottom quartile AUM (₹8,183 Cr).
Point 2	Established history (23+ yrs).	Established history (24+ yrs).	Oldest track record among peers (25 yrs).	Established history (16+ yrs).	Established history (16+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Top rated.	Rating: 2★ (bottom quartile).	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.
Point 5	1Y return: 12.83% (top quartile).	1Y return: 6.26% (upper mid).	1Y return: 6.22% (lower mid).	1Y return: 5.97% (bottom quartile).	1Y return: 5.95% (bottom quartile).
Point 6	1M return: 0.20% (bottom quartile).	1M return: 0.55% (upper mid).	1M return: 0.56% (top quartile).	1M return: 0.52% (lower mid).	1M return: 0.48% (bottom quartile).
Point 7	Sharpe: 0.98 (top quartile).	Sharpe: 0.29 (upper mid).	Sharpe: 0.15 (lower mid).	Sharpe: 0.11 (bottom quartile).	Sharpe: 0.14 (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): 8.14% (top quartile).	Yield to maturity (debt): 7.73% (bottom quartile).	Yield to maturity (debt): 8.01% (upper mid).	Yield to maturity (debt): 7.92% (lower mid).
Point 10	Modified duration: 1.20 yrs (top quartile).	Modified duration: 2.72 yrs (bottom quartile).	Modified duration: 2.21 yrs (upper mid).	Modified duration: 2.41 yrs (bottom quartile).	Modified duration: 2.31 yrs (lower mid).

Sundaram Short Term Debt Fund

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

ICICI Prudential Short Term Fund

Highest AUM (₹19,175 Cr).
Established history (24+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 6.26% (upper mid).
1M return: 0.55% (upper mid).
Sharpe: 0.29 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 8.14% (top quartile).
Modified duration: 2.72 yrs (bottom quartile).

Bandhan Bond Fund Short Term Plan

Lower mid AUM (₹8,889 Cr).
Oldest track record among peers (25 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.22% (lower mid).
1M return: 0.56% (top quartile).
Sharpe: 0.15 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.73% (bottom quartile).
Modified duration: 2.21 yrs (upper mid).

HDFC Short Term Debt Fund

Upper mid AUM (₹15,008 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 5.97% (bottom quartile).
1M return: 0.52% (lower mid).
Sharpe: 0.11 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.01% (upper mid).
Modified duration: 2.41 yrs (bottom quartile).

Axis Short Term Fund

Bottom quartile AUM (₹8,183 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 5.95% (bottom quartile).
1M return: 0.48% (bottom quartile).
Sharpe: 0.14 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.92% (lower mid).
Modified duration: 2.31 yrs (lower 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	₹3,115.88 ↑ 0.53	₹44,866	500	0.5	1.7	3.4	6.4	6.6	6.64%	1M 5D	1M 5D
Edelweiss Liquid Fund Growth	₹3,578.11 ↑ 0.62	₹12,259	5,000	0.5	1.7	3.4	6.4	6.5	6.51%	1M 6D	1M 6D
DSP Liquidity Fund Growth	₹3,993.94 ↑ 0.69	₹19,371	1,000	0.5	1.7	3.3	6.4	6.5	6.45%	2M 5D	2M 8D
Aditya Birla Sun Life Liquid Fund Growth	₹450.701 ↑ 0.08	₹63,687	5,000	0.5	1.7	3.3	6.4	6.5	6.49%	2M 5D	2M 5D
UTI Liquid Cash Plan Growth	₹458.856 ↑ 0.07	₹27,632	500	0.5	1.7	3.3	6.4	6.5	6.62%	1M 5D	1M 6D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Aug 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Axis Liquid Fund	Edelweiss Liquid Fund	DSP Liquidity Fund	Aditya Birla Sun Life Liquid Fund	UTI Liquid Cash Plan
Point 1	Upper mid AUM (₹44,866 Cr).	Bottom quartile AUM (₹12,259 Cr).	Bottom quartile AUM (₹19,371 Cr).	Highest AUM (₹63,687 Cr).	Lower mid AUM (₹27,632 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: 4★ (upper mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 6.42% (top quartile).	1Y return: 6.41% (upper mid).	1Y return: 6.39% (lower mid).	1Y return: 6.37% (bottom quartile).	1Y return: 6.37% (bottom quartile).
Point 6	1M return: 0.54% (top quartile).	1M return: 0.54% (lower mid).	1M return: 0.54% (upper mid).	1M return: 0.53% (bottom quartile).	1M return: 0.53% (bottom quartile).
Point 7	Sharpe: 2.39 (top quartile).	Sharpe: 2.34 (bottom quartile).	Sharpe: 2.35 (lower mid).	Sharpe: 2.22 (bottom quartile).	Sharpe: 2.38 (upper mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.64% (top quartile).	Yield to maturity (debt): 6.51% (lower mid).	Yield to maturity (debt): 6.45% (bottom quartile).	Yield to maturity (debt): 6.49% (bottom quartile).	Yield to maturity (debt): 6.62% (upper mid).
Point 10	Modified duration: 0.10 yrs (top quartile).	Modified duration: 0.10 yrs (lower mid).	Modified duration: 0.18 yrs (bottom quartile).	Modified duration: 0.18 yrs (bottom quartile).	Modified duration: 0.10 yrs (upper mid).

Axis Liquid Fund

Upper mid AUM (₹44,866 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.42% (top quartile).
1M return: 0.54% (top quartile).
Sharpe: 2.39 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.64% (top quartile).
Modified duration: 0.10 yrs (top quartile).

Edelweiss Liquid Fund

Bottom quartile AUM (₹12,259 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.41% (upper mid).
1M return: 0.54% (lower mid).
Sharpe: 2.34 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.51% (lower mid).
Modified duration: 0.10 yrs (lower mid).

DSP Liquidity Fund

Bottom quartile AUM (₹19,371 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.39% (lower mid).
1M return: 0.54% (upper mid).
Sharpe: 2.35 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.45% (bottom quartile).
Modified duration: 0.18 yrs (bottom quartile).

Aditya Birla Sun Life Liquid Fund

Highest AUM (₹63,687 Cr).
Oldest track record among peers (22 yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.37% (bottom quartile).
1M return: 0.53% (bottom quartile).
Sharpe: 2.22 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.49% (bottom quartile).
Modified duration: 0.18 yrs (bottom quartile).

UTI Liquid Cash Plan

Lower mid AUM (₹27,632 Cr).
Established history (22+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.37% (bottom quartile).
1M return: 0.53% (bottom quartile).
Sharpe: 2.38 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.62% (upper mid).
Modified duration: 0.10 yrs (upper mid).

Top 5 Lump sum GILT Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Bandhan Government Securities Fund - Investment Plan Growth	₹37.9476 ↑ 0.03	₹1,892	5,000	4.8	6.6	9.2	7.9	3.7	7.6%	10Y 11M 16D	32Y 1M 28D
Axis Gilt Fund Growth	₹26.8952 ↑ 0.02	₹431	5,000	3.8	4.2	5.9	7.4	5.2	7.35%	8Y 4M 24D	19Y 2M 12D
ICICI Prudential Gilt Fund Growth	₹109.253 ↑ 0.06	₹8,785	5,000	4.2	4.3	6.2	7.4	6.8	7.71%	9Y 4M 10D	21Y 7M 6D
UTI Gilt Fund Growth	₹66.2076 ↑ 0.03	₹423	5,000	2.2	3.6	6.1	6.9	5.1	6.4%	3Y 2M 16D	7Y 11M 19D
DSP Government Securities Fund Growth	₹100.143 ↑ 0.10	₹1,270	1,000	4.8	4.4	5.2	6.8	4.5	6.89%	7Y 10M 24D	19Y 2M 16D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Aug 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	DSP Government Securities Fund
Point 1	Upper mid AUM (₹1,892 Cr).	Bottom quartile AUM (₹431 Cr).	Highest AUM (₹8,785 Cr).	Bottom quartile AUM (₹423 Cr).	Lower mid AUM (₹1,270 Cr).
Point 2	Established history (17+ yrs).	Established history (14+ yrs).	Oldest track record among peers (27 yrs).	Established history (24+ yrs).	Established history (26+ yrs).
Point 3	Rating: 3★ (lower mid).	Rating: 1★ (bottom quartile).	Top rated.	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 9.18% (top quartile).	1Y return: 5.95% (bottom quartile).	1Y return: 6.18% (upper mid).	1Y return: 6.15% (lower mid).	1Y return: 5.22% (bottom quartile).
Point 6	1M return: 0.26% (bottom quartile).	1M return: 0.12% (bottom quartile).	1M return: 0.59% (top quartile).	1M return: 0.56% (upper mid).	1M return: 0.43% (lower mid).
Point 7	Sharpe: 0.47 (top quartile).	Sharpe: -0.15 (lower mid).	Sharpe: -0.14 (upper mid).	Sharpe: -0.25 (bottom quartile).	Sharpe: -0.18 (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): 7.60% (upper mid).	Yield to maturity (debt): 7.35% (lower mid).	Yield to maturity (debt): 7.71% (top quartile).	Yield to maturity (debt): 6.40% (bottom quartile).	Yield to maturity (debt): 6.89% (bottom quartile).
Point 10	Modified duration: 10.96 yrs (bottom quartile).	Modified duration: 8.40 yrs (lower mid).	Modified duration: 9.36 yrs (bottom quartile).	Modified duration: 3.21 yrs (top quartile).	Modified duration: 7.90 yrs (upper mid).

Bandhan Government Securities Fund - Investment Plan

Upper mid AUM (₹1,892 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 9.18% (top quartile).
1M return: 0.26% (bottom quartile).
Sharpe: 0.47 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.60% (upper mid).
Modified duration: 10.96 yrs (bottom quartile).

Axis Gilt Fund

Bottom quartile AUM (₹431 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.95% (bottom quartile).
1M return: 0.12% (bottom quartile).
Sharpe: -0.15 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.35% (lower mid).
Modified duration: 8.40 yrs (lower mid).

ICICI Prudential Gilt Fund

Highest AUM (₹8,785 Cr).
Oldest track record among peers (27 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 6.18% (upper mid).
1M return: 0.59% (top quartile).
Sharpe: -0.14 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.71% (top quartile).
Modified duration: 9.36 yrs (bottom quartile).

UTI Gilt Fund

Bottom quartile AUM (₹423 Cr).
Established history (24+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 6.15% (lower mid).
1M return: 0.56% (upper mid).
Sharpe: -0.25 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.40% (bottom quartile).
Modified duration: 3.21 yrs (top quartile).

DSP Government Securities Fund

Lower mid AUM (₹1,270 Cr).
Established history (26+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.22% (bottom quartile).
1M return: 0.43% (lower mid).
Sharpe: -0.18 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.89% (bottom quartile).
Modified duration: 7.90 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	₹29.4643 ↑ 0.01	₹286	5,000	2.8	3.4	6.2	7.7	8.3	7.73%	2Y 4M 13D	3Y 2M 16D
Franklin India Corporate Debt Fund Growth	₹106.52 ↑ 0.02	₹1,362	10,000	2	2.9	6	7.6	9.1	7.91%	1Y 4M 20D	2Y 9M 7D
ICICI Prudential Corporate Bond Fund Growth	₹32.0244 ↑ 0.01	₹30,030	5,000	2.7	3.5	6.4	7.6	8	7.91%	3Y 4M 10D	5Y 8M 23D
Nippon India Prime Debt Fund Growth	₹63.9157 ↑ 0.01	₹9,433	1,000	2.6	3.1	5.6	7.4	7.8	7.9%	2Y 4M 6D	2Y 10M 13D
Kotak Corporate Bond Fund Standard Growth	₹4,021.39 ↑ 1.17	₹14,997	5,000	2.5	2.9	5.7	7.4	7.8	7.99%	2Y 6M 29D	4Y
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Aug 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 (₹286 Cr).	Bottom quartile AUM (₹1,362 Cr).	Highest AUM (₹30,030 Cr).	Lower mid AUM (₹9,433 Cr).	Upper mid AUM (₹14,997 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: 6.22% (upper mid).	1Y return: 6.01% (lower mid).	1Y return: 6.43% (top quartile).	1Y return: 5.60% (bottom quartile).	1Y return: 5.70% (bottom quartile).
Point 6	1M return: 0.65% (top quartile).	1M return: 0.60% (upper mid).	1M return: 0.55% (bottom quartile).	1M return: 0.56% (bottom quartile).	1M return: 0.56% (lower mid).
Point 7	Sharpe: 0.11 (upper mid).	Sharpe: 0.07 (lower mid).	Sharpe: 0.31 (top quartile).	Sharpe: -0.12 (bottom quartile).	Sharpe: -0.10 (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% (bottom quartile).	Yield to maturity (debt): 7.91% (upper mid).	Yield to maturity (debt): 7.91% (lower mid).	Yield to maturity (debt): 7.90% (bottom quartile).	Yield to maturity (debt): 7.99% (top quartile).
Point 10	Modified duration: 2.37 yrs (lower mid).	Modified duration: 1.39 yrs (top quartile).	Modified duration: 3.36 yrs (bottom quartile).	Modified duration: 2.35 yrs (upper mid).	Modified duration: 2.58 yrs (bottom quartile).

BNP Paribas Corporate Bond Fund

Bottom quartile AUM (₹286 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.22% (upper mid).
1M return: 0.65% (top quartile).
Sharpe: 0.11 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.73% (bottom quartile).
Modified duration: 2.37 yrs (lower mid).

Franklin India Corporate Debt Fund

Bottom quartile AUM (₹1,362 Cr).
Oldest track record among peers (29 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.01% (lower mid).
1M return: 0.60% (upper mid).
Sharpe: 0.07 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.91% (upper mid).
Modified duration: 1.39 yrs (top quartile).

ICICI Prudential Corporate Bond Fund

Highest AUM (₹30,030 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.43% (top quartile).
1M return: 0.55% (bottom quartile).
Sharpe: 0.31 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.91% (lower mid).
Modified duration: 3.36 yrs (bottom quartile).

Nippon India Prime Debt Fund

Lower mid AUM (₹9,433 Cr).
Established history (25+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 5.60% (bottom quartile).
1M return: 0.56% (bottom quartile).
Sharpe: -0.12 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.90% (bottom quartile).
Modified duration: 2.35 yrs (upper mid).

Kotak Corporate Bond Fund Standard

Upper mid AUM (₹14,997 Cr).
Established history (18+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 5.70% (bottom quartile).
1M return: 0.56% (lower mid).
Sharpe: -0.10 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.99% (top quartile).
Modified duration: 2.58 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	₹55.181 ↑ 0.02	₹275	1,000	2.9	9.7	10.6	16.1	21	7.73%	2Y 1M 28D	2Y 10M 17D
Aditya Birla Sun Life Credit Risk Fund Growth	₹25.4108 ↑ 0.02	₹1,461	1,000	3.1	4.6	12.4	12.3	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%
Invesco India Credit Risk Fund Growth	₹2,086.04 ↑ 0.87	₹163	5,000	2.5	4.6	7.4	8.6	9.2	7.96%	2Y 7M 20D	3Y 7M 10D
ICICI Prudential Regular Savings Fund Growth	₹34.8568 ↑ 0.02	₹6,212	10,000	3.1	4	8.6	8.6	9.5	8.93%	2Y 14D	3Y 1M 10D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Aug 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	Invesco India Credit Risk Fund	ICICI Prudential Regular Savings Fund
Point 1	Lower mid AUM (₹275 Cr).	Upper mid AUM (₹1,461 Cr).	Bottom quartile AUM (₹104 Cr).	Bottom quartile AUM (₹163 Cr).	Highest AUM (₹6,212 Cr).
Point 2	Oldest track record among peers (23 yrs).	Established history (11+ yrs).	Established history (14+ yrs).	Established history (11+ yrs).	Established history (15+ yrs).
Point 3	Top rated.	Not Rated.	Rating: 1★ (lower mid).	Rating: 4★ (upper mid).	Rating: 1★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 10.64% (upper mid).	1Y return: 12.42% (top quartile).	1Y return: 7.45% (bottom quartile).	1Y return: 7.43% (bottom quartile).	1Y return: 8.59% (lower mid).
Point 6	1M return: 0.57% (bottom quartile).	1M return: 0.84% (lower mid).	1M return: 0.91% (upper mid).	1M return: 0.58% (bottom quartile).	1M return: 0.98% (top quartile).
Point 7	Sharpe: 0.76 (lower mid).	Sharpe: 1.95 (top quartile).	Sharpe: 0.29 (bottom quartile).	Sharpe: 0.64 (bottom quartile).	Sharpe: 1.40 (upper mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.73% (bottom quartile).	Yield to maturity (debt): 7.98% (upper mid).	Yield to maturity (debt): 0.00% (bottom quartile).	Yield to maturity (debt): 7.96% (lower mid).	Yield to maturity (debt): 8.93% (top quartile).
Point 10	Modified duration: 2.16 yrs (bottom quartile).	Modified duration: 2.08 yrs (lower mid).	Modified duration: 0.00 yrs (top quartile).	Modified duration: 2.64 yrs (bottom quartile).	Modified duration: 2.04 yrs (upper mid).

DSP Credit Risk Fund

Lower mid AUM (₹275 Cr).
Oldest track record among peers (23 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 10.64% (upper mid).
1M return: 0.57% (bottom quartile).
Sharpe: 0.76 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.73% (bottom quartile).
Modified duration: 2.16 yrs (bottom quartile).

Aditya Birla Sun Life Credit Risk Fund

Upper mid AUM (₹1,461 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 12.42% (top quartile).
1M return: 0.84% (lower mid).
Sharpe: 1.95 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.98% (upper mid).
Modified duration: 2.08 yrs (lower 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% (upper mid).
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).

Invesco India Credit Risk Fund

Bottom quartile AUM (₹163 Cr).
Established history (11+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 7.43% (bottom quartile).
1M return: 0.58% (bottom quartile).
Sharpe: 0.64 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.96% (lower mid).
Modified duration: 2.64 yrs (bottom quartile).

ICICI Prudential Regular Savings Fund

Highest AUM (₹6,212 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.59% (lower mid).
1M return: 0.98% (top quartile).
Sharpe: 1.40 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.93% (top quartile).
Modified duration: 2.04 yrs (upper mid).

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

Top 5 Lump sum Balanced Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹42.82 ↓ -0.10	₹1,695	5,000	6.5	12.8	14.9	17.6	14.8	-0.9
UTI Multi Asset Fund Growth	₹80.2552 ↓ -0.28	₹6,890	5,000	4.1	1.6	9.6	16.5	13.5	11.1
Sundaram Equity Hybrid Fund Growth	₹135.137 ↑ 0.78	₹1,954	5,000	0.5	10.5	27.1	16	14.2
ICICI Prudential Multi-Asset Fund Growth	₹823.942 ↓ -1.72	₹84,991	5,000	3.4	0.5	9.5	15.4	16.6	18.6
SBI Multi Asset Allocation Fund Growth	₹67.5983 ↓ -0.14	₹19,354	5,000	1.6	1.4	14.5	15.4	13.5	18.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Aug 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	BOI AXA Mid and Small Cap Equity and Debt Fund	UTI Multi Asset Fund	Sundaram Equity Hybrid Fund	ICICI Prudential Multi-Asset Fund	SBI Multi Asset Allocation Fund
Point 1	Bottom quartile AUM (₹1,695 Cr).	Lower mid AUM (₹6,890 Cr).	Bottom quartile AUM (₹1,954 Cr).	Highest AUM (₹84,991 Cr).	Upper mid AUM (₹19,354 Cr).
Point 2	Established history (10+ yrs).	Established history (17+ yrs).	Oldest track record among peers (26 yrs).	Established history (23+ yrs).	Established history (20+ yrs).
Point 3	Not Rated.	Rating: 1★ (bottom quartile).	Rating: 2★ (upper mid).	Rating: 2★ (lower mid).	Top rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.
Point 5	5Y return: 14.82% (upper mid).	5Y return: 13.48% (bottom quartile).	5Y return: 14.20% (lower mid).	5Y return: 16.65% (top quartile).	5Y return: 13.48% (bottom quartile).
Point 6	3Y return: 17.57% (top quartile).	3Y return: 16.48% (upper mid).	3Y return: 16.03% (lower mid).	3Y return: 15.40% (bottom quartile).	3Y return: 15.36% (bottom quartile).
Point 7	1Y return: 14.85% (upper mid).	1Y return: 9.59% (bottom quartile).	1Y return: 27.10% (top quartile).	1Y return: 9.50% (bottom quartile).	1Y return: 14.49% (lower mid).
Point 8	1M return: 2.12% (upper mid).	1M return: 2.70% (top quartile).	1M return: 1.80% (lower mid).	1M return: 1.49% (bottom quartile).	1M return: 1.12% (bottom quartile).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 5.81 (top quartile).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.17 (lower mid).	Sharpe: -0.11 (bottom quartile).	Sharpe: 2.64 (top quartile).	Sharpe: 0.01 (bottom quartile).	Sharpe: 0.53 (upper mid).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,695 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 14.82% (upper mid).
3Y return: 17.57% (top quartile).
1Y return: 14.85% (upper mid).
1M return: 2.12% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.17 (lower mid).

UTI Multi Asset Fund

Lower mid AUM (₹6,890 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 13.48% (bottom quartile).
3Y return: 16.48% (upper mid).
1Y return: 9.59% (bottom quartile).
1M return: 2.70% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.11 (bottom quartile).

Sundaram Equity Hybrid Fund

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

ICICI Prudential Multi-Asset Fund

Highest AUM (₹84,991 Cr).
Established history (23+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 16.65% (top quartile).
3Y return: 15.40% (bottom quartile).
1Y return: 9.50% (bottom quartile).
1M return: 1.49% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.01 (bottom quartile).

SBI Multi Asset Allocation Fund

Upper mid AUM (₹19,354 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 13.48% (bottom quartile).
3Y return: 15.36% (bottom quartile).
1Y return: 14.49% (lower mid).
1M return: 1.12% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.53 (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	₹42.82 ↓ -0.10	₹1,695	5,000	6.5	12.8	14.9	17.6	14.8	-0.9
Sundaram Equity Hybrid Fund Growth	₹135.137 ↑ 0.78	₹1,954	5,000	0.5	10.5	27.1	16	14.2
ICICI Prudential Equity and Debt Fund Growth	₹410.22 ↓ -0.57	₹51,481	5,000	4.3	0.7	5.3	14.7	15.6	13.3
Bandhan Hybrid Equity Fund Growth	₹28.34 ↓ -0.05	₹2,184	5,000	8.2	5.5	10.4	14.6	11.3	7.7
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 14 Aug 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	BOI AXA Mid and Small Cap Equity and Debt Fund	Sundaram Equity Hybrid Fund	ICICI Prudential Equity and Debt Fund	Bandhan Hybrid Equity Fund	IDBI Hybrid Equity Fund
Point 1	Bottom quartile AUM (₹1,695 Cr).	Lower mid AUM (₹1,954 Cr).	Highest AUM (₹51,481 Cr).	Upper mid AUM (₹2,184 Cr).	Bottom quartile AUM (₹179 Cr).
Point 2	Established history (10+ yrs).	Oldest track record among peers (26 yrs).	Established history (26+ yrs).	Established history (9+ yrs).	Established history (9+ yrs).
Point 3	Not Rated.	Rating: 2★ (upper mid).	Top rated.	Not 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: 14.82% (upper mid).	5Y return: 14.20% (lower mid).	5Y return: 15.61% (top quartile).	5Y return: 11.28% (bottom quartile).	5Y return: 7.09% (bottom quartile).
Point 6	3Y return: 17.57% (top quartile).	3Y return: 16.03% (upper mid).	3Y return: 14.74% (lower mid).	3Y return: 14.62% (bottom quartile).	3Y return: 14.43% (bottom quartile).
Point 7	1Y return: 14.85% (upper mid).	1Y return: 27.10% (top quartile).	1Y return: 5.34% (bottom quartile).	1Y return: 10.36% (bottom quartile).	1Y return: 12.06% (lower mid).
Point 8	1M return: 2.12% (upper mid).	1M return: 1.80% (bottom quartile).	1M return: 0.81% (bottom quartile).	1M return: 2.42% (top quartile).	1M return: 2.10% (lower mid).
Point 9	Alpha: 0.00 (bottom quartile).	Alpha: 5.81 (upper mid).	Alpha: 2.04 (lower mid).	Alpha: 5.97 (top quartile).	Alpha: -0.26 (bottom quartile).
Point 10	Sharpe: 0.17 (lower mid).	Sharpe: 2.64 (top quartile).	Sharpe: -0.22 (bottom quartile).	Sharpe: 0.05 (bottom quartile).	Sharpe: 1.03 (upper mid).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,695 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 14.82% (upper mid).
3Y return: 17.57% (top quartile).
1Y return: 14.85% (upper mid).
1M return: 2.12% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.17 (lower mid).

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% (lower mid).
3Y return: 16.03% (upper mid).
1Y return: 27.10% (top quartile).
1M return: 1.80% (bottom quartile).
Alpha: 5.81 (upper mid).
Sharpe: 2.64 (top quartile).

ICICI Prudential Equity and Debt Fund

Highest AUM (₹51,481 Cr).
Established history (26+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 15.61% (top quartile).
3Y return: 14.74% (lower mid).
1Y return: 5.34% (bottom quartile).
1M return: 0.81% (bottom quartile).
Alpha: 2.04 (lower mid).
Sharpe: -0.22 (bottom quartile).

Bandhan Hybrid Equity Fund

Upper mid AUM (₹2,184 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.28% (bottom quartile).
3Y return: 14.62% (bottom quartile).
1Y return: 10.36% (bottom quartile).
1M return: 2.42% (top quartile).
Alpha: 5.97 (top quartile).
Sharpe: 0.05 (bottom 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% (bottom quartile).
1Y return: 12.06% (lower mid).
1M return: 2.10% (lower mid).
Alpha: -0.26 (bottom quartile).
Sharpe: 1.03 (upper mid).

Top 5 Lump sum Conservative Hybrid Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹42.82 ↓ -0.10	₹1,695	5,000	6.5	12.8	14.9	17.6	14.8	-0.9
UTI Multi Asset Fund Growth	₹80.2552 ↓ -0.28	₹6,890	5,000	4.1	1.6	9.6	16.5	13.5	11.1
Sundaram Equity Hybrid Fund Growth	₹135.137 ↑ 0.78	₹1,954	5,000	0.5	10.5	27.1	16	14.2
ICICI Prudential Multi-Asset Fund Growth	₹823.942 ↓ -1.72	₹84,991	5,000	3.4	0.5	9.5	15.4	16.6	18.6
SBI Multi Asset Allocation Fund Growth	₹67.5983 ↓ -0.14	₹19,354	5,000	1.6	1.4	14.5	15.4	13.5	18.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Aug 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	BOI AXA Mid and Small Cap Equity and Debt Fund	UTI Multi Asset Fund	Sundaram Equity Hybrid Fund	ICICI Prudential Multi-Asset Fund	SBI Multi Asset Allocation Fund
Point 1	Bottom quartile AUM (₹1,695 Cr).	Lower mid AUM (₹6,890 Cr).	Bottom quartile AUM (₹1,954 Cr).	Highest AUM (₹84,991 Cr).	Upper mid AUM (₹19,354 Cr).
Point 2	Established history (10+ yrs).	Established history (17+ yrs).	Oldest track record among peers (26 yrs).	Established history (23+ yrs).	Established history (20+ yrs).
Point 3	Not Rated.	Rating: 1★ (bottom quartile).	Rating: 2★ (upper mid).	Rating: 2★ (lower mid).	Top rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.
Point 5	5Y return: 14.82% (upper mid).	5Y return: 13.48% (bottom quartile).	5Y return: 14.20% (lower mid).	5Y return: 16.65% (top quartile).	5Y return: 13.48% (bottom quartile).
Point 6	3Y return: 17.57% (top quartile).	3Y return: 16.48% (upper mid).	3Y return: 16.03% (lower mid).	3Y return: 15.40% (bottom quartile).	3Y return: 15.36% (bottom quartile).
Point 7	1Y return: 14.85% (upper mid).	1Y return: 9.59% (bottom quartile).	1Y return: 27.10% (top quartile).	1Y return: 9.50% (bottom quartile).	1Y return: 14.49% (lower mid).
Point 8	1M return: 2.12% (upper mid).	1M return: 2.70% (top quartile).	1M return: 1.80% (lower mid).	1M return: 1.49% (bottom quartile).	1M return: 1.12% (bottom quartile).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 5.81 (top quartile).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.17 (lower mid).	Sharpe: -0.11 (bottom quartile).	Sharpe: 2.64 (top quartile).	Sharpe: 0.01 (bottom quartile).	Sharpe: 0.53 (upper mid).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,695 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 14.82% (upper mid).
3Y return: 17.57% (top quartile).
1Y return: 14.85% (upper mid).
1M return: 2.12% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.17 (lower mid).

UTI Multi Asset Fund

Lower mid AUM (₹6,890 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 13.48% (bottom quartile).
3Y return: 16.48% (upper mid).
1Y return: 9.59% (bottom quartile).
1M return: 2.70% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.11 (bottom quartile).

Sundaram Equity Hybrid Fund

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

ICICI Prudential Multi-Asset Fund

Highest AUM (₹84,991 Cr).
Established history (23+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 16.65% (top quartile).
3Y return: 15.40% (bottom quartile).
1Y return: 9.50% (bottom quartile).
1M return: 1.49% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.01 (bottom quartile).

SBI Multi Asset Allocation Fund

Upper mid AUM (₹19,354 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 13.48% (bottom quartile).
3Y return: 15.36% (bottom quartile).
1Y return: 14.49% (lower mid).
1M return: 1.12% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.53 (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	₹39.9897 ↓ -0.02	₹72,409	5,000	1.7	3	6.1	7	6.2	6.4
Invesco India Arbitrage Fund Growth	₹34.0692 ↑ 0.00	₹28,526	5,000	1.6	2.9	6.1	6.9	6.3	6.5
HDFC Arbitrage Fund Growth	₹32.694 ↓ 0.00	₹23,772	100,000	1.6	2.9	6.1	6.9	6	6.3
ICICI Prudential Equity Arbitrage Fund Growth	₹36.6164 ↓ -0.01	₹33,423	5,000	1.6	3	6.1	6.9	6.1	6.5
UTI Arbitrage Fund Growth	₹37.4002 ↓ 0.00	₹11,324	5,000	1.6	2.9	6.1	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 14 Aug 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Kotak Equity Arbitrage Fund	Invesco India Arbitrage Fund	HDFC Arbitrage Fund	ICICI Prudential Equity Arbitrage Fund	UTI Arbitrage Fund
Point 1	Highest AUM (₹72,409 Cr).	Lower mid AUM (₹28,526 Cr).	Bottom quartile AUM (₹23,772 Cr).	Upper mid AUM (₹33,423 Cr).	Bottom quartile AUM (₹11,324 Cr).
Point 2	Oldest track record among peers (20 yrs).	Established history (19+ yrs).	Established history (18+ yrs).	Established history (19+ yrs).	Established history (20+ yrs).
Point 3	Top rated.	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	5Y return: 6.24% (upper mid).	5Y return: 6.26% (top quartile).	5Y return: 6.03% (bottom quartile).	5Y return: 6.07% (lower mid).	5Y return: 6.06% (bottom quartile).
Point 6	3Y return: 6.98% (top quartile).	3Y return: 6.87% (bottom quartile).	3Y return: 6.86% (bottom quartile).	3Y return: 6.87% (lower mid).	3Y return: 6.93% (upper mid).
Point 7	1Y return: 6.12% (top quartile).	1Y return: 6.10% (upper mid).	1Y return: 6.09% (lower mid).	1Y return: 6.09% (bottom quartile).	1Y return: 6.07% (bottom quartile).
Point 8	1M return: 0.58% (top quartile).	1M return: 0.54% (bottom quartile).	1M return: 0.55% (bottom quartile).	1M return: 0.58% (upper mid).	1M return: 0.56% (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: 0.31 (bottom quartile).	Sharpe: 0.47 (top quartile).	Sharpe: 0.36 (upper mid).	Sharpe: 0.29 (bottom quartile).	Sharpe: 0.34 (lower mid).

Kotak Equity Arbitrage Fund

Highest AUM (₹72,409 Cr).
Oldest track record among peers (20 yrs).
Top rated.
Risk profile: Moderately Low.
5Y return: 6.24% (upper mid).
3Y return: 6.98% (top quartile).
1Y return: 6.12% (top quartile).
1M return: 0.58% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.31 (bottom quartile).

Invesco India Arbitrage Fund

Lower mid AUM (₹28,526 Cr).
Established history (19+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
5Y return: 6.26% (top quartile).
3Y return: 6.87% (bottom quartile).
1Y return: 6.10% (upper mid).
1M return: 0.54% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.47 (top quartile).

HDFC Arbitrage Fund

Bottom quartile AUM (₹23,772 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
5Y return: 6.03% (bottom quartile).
3Y return: 6.86% (bottom quartile).
1Y return: 6.09% (lower mid).
1M return: 0.55% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.36 (upper mid).

ICICI Prudential Equity Arbitrage Fund

Upper mid AUM (₹33,423 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
5Y return: 6.07% (lower mid).
3Y return: 6.87% (lower mid).
1Y return: 6.09% (bottom quartile).
1M return: 0.58% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.29 (bottom quartile).

UTI Arbitrage Fund

Bottom quartile AUM (₹11,324 Cr).
Established history (20+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
5Y return: 6.06% (bottom quartile).
3Y return: 6.93% (upper mid).
1Y return: 6.07% (bottom quartile).
1M return: 0.56% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.34 (lower mid).

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	₹22.3775 ↓ 0.00	₹137	5,000	1.9	3.1	6.2	12.6	10.6	14.1
ICICI Prudential Balanced Advantage Fund Growth	₹80.12 ↓ -0.12	₹72,486	5,000	6.9	3.6	9.1	12.3	11.1	12.2
Axis Dynamic Equity Fund Growth	₹21.74	₹3,814	5,000	4.7	1.2	4.7	12	9.4	7
Aditya Birla Sun Life Balanced Advantage Fund Growth	₹114.54 ↓ -0.09	₹9,490	1,000	6.5	4.4	8.7	11.8	9.8	10.1
Nippon India Balanced Advantage Fund Growth	₹185.668 ↓ -0.05	₹9,796	5,000	5.5	2.5	6.2	10.9	9.3	7.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 13 Aug 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Franklin India Multi - Asset Solution Fund	ICICI Prudential Balanced Advantage Fund	Axis Dynamic Equity Fund	Aditya Birla Sun Life Balanced Advantage Fund	Nippon India Balanced Advantage Fund
Point 1	Bottom quartile AUM (₹137 Cr).	Highest AUM (₹72,486 Cr).	Bottom quartile AUM (₹3,814 Cr).	Lower mid AUM (₹9,490 Cr).	Upper mid AUM (₹9,796 Cr).
Point 2	Established history (11+ yrs).	Established history (19+ yrs).	Established history (9+ yrs).	Oldest track record among peers (26 yrs).	Established history (21+ yrs).
Point 3	Not Rated.	Top rated.	Not Rated.	Rating: 3★ (upper mid).	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: 10.56% (upper mid).	5Y return: 11.14% (top quartile).	5Y return: 9.37% (bottom quartile).	5Y return: 9.83% (lower mid).	5Y return: 9.28% (bottom quartile).
Point 6	3Y return: 12.60% (top quartile).	3Y return: 12.34% (upper mid).	3Y return: 12.01% (lower mid).	3Y return: 11.81% (bottom quartile).	3Y return: 10.94% (bottom quartile).
Point 7	1Y return: 6.18% (bottom quartile).	1Y return: 9.13% (top quartile).	1Y return: 4.72% (bottom quartile).	1Y return: 8.70% (upper mid).	1Y return: 6.21% (lower mid).
Point 8	1M return: 0.59% (bottom quartile).	1M return: 2.74% (top quartile).	1M return: 0.98% (bottom quartile).	1M return: 2.01% (upper mid).	1M return: 1.12% (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: -0.21 (upper mid).	Sharpe: -0.12 (top quartile).	Sharpe: -0.43 (bottom quartile).	Sharpe: -0.22 (lower mid).	Sharpe: -0.27 (bottom quartile).

Franklin India Multi - Asset Solution Fund

Bottom quartile AUM (₹137 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 10.56% (upper mid).
3Y return: 12.60% (top quartile).
1Y return: 6.18% (bottom quartile).
1M return: 0.59% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: -0.21 (upper mid).

ICICI Prudential Balanced Advantage Fund

Highest AUM (₹72,486 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 11.14% (top quartile).
3Y return: 12.34% (upper mid).
1Y return: 9.13% (top quartile).
1M return: 2.74% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.12 (top quartile).

Axis Dynamic Equity Fund

Bottom quartile AUM (₹3,814 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 9.37% (bottom quartile).
3Y return: 12.01% (lower mid).
1Y return: 4.72% (bottom quartile).
1M return: 0.98% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.43 (bottom quartile).

Aditya Birla Sun Life Balanced Advantage Fund

Lower mid AUM (₹9,490 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 9.83% (lower mid).
3Y return: 11.81% (bottom quartile).
1Y return: 8.70% (upper mid).
1M return: 2.01% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.22 (lower mid).

Nippon India Balanced Advantage Fund

Upper mid AUM (₹9,796 Cr).
Established history (21+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 9.28% (bottom quartile).
3Y return: 10.94% (bottom quartile).
1Y return: 6.21% (lower mid).
1M return: 1.12% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.27 (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	₹80.2552 ↓ -0.28	₹6,890	5,000	4.1	1.6	9.6	16.5	13.5	11.1
ICICI Prudential Multi-Asset Fund Growth	₹823.942 ↓ -1.72	₹84,991	5,000	3.4	0.5	9.5	15.4	16.6	18.6
SBI Multi Asset Allocation Fund Growth	₹67.5983 ↓ -0.14	₹19,354	5,000	1.6	1.4	14.5	15.4	13.5	18.6
Axis Triple Advantage Fund Growth	₹45.6683 ↓ -0.07	₹2,384	5,000	4.3	1	14.7	14.1	9.4	15.3
Edelweiss Multi Asset Allocation Fund Growth	₹65.97 ↓ -0.13	₹3,784	5,000	5.4	2.8	5.2	13.4	12.8	6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Aug 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Multi Asset Fund	ICICI Prudential Multi-Asset Fund	SBI Multi Asset Allocation Fund	Axis Triple Advantage Fund	Edelweiss Multi Asset Allocation Fund
Point 1	Lower mid AUM (₹6,890 Cr).	Highest AUM (₹84,991 Cr).	Upper mid AUM (₹19,354 Cr).	Bottom quartile AUM (₹2,384 Cr).	Bottom quartile AUM (₹3,784 Cr).
Point 2	Established history (17+ yrs).	Oldest track record among peers (23 yrs).	Established history (20+ yrs).	Established history (15+ yrs).	Established history (17+ yrs).
Point 3	Rating: 1★ (bottom quartile).	Rating: 2★ (upper mid).	Top rated.	Rating: 2★ (lower mid).	Rating: 1★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 13.48% (upper mid).	5Y return: 16.65% (top quartile).	5Y return: 13.48% (lower mid).	5Y return: 9.41% (bottom quartile).	5Y return: 12.83% (bottom quartile).
Point 6	3Y return: 16.48% (top quartile).	3Y return: 15.40% (upper mid).	3Y return: 15.36% (lower mid).	3Y return: 14.05% (bottom quartile).	3Y return: 13.42% (bottom quartile).
Point 7	1Y return: 9.59% (lower mid).	1Y return: 9.50% (bottom quartile).	1Y return: 14.49% (upper mid).	1Y return: 14.70% (top quartile).	1Y return: 5.15% (bottom quartile).
Point 8	1M return: 2.70% (top quartile).	1M return: 1.49% (bottom quartile).	1M return: 1.12% (bottom quartile).	1M return: 2.56% (upper mid).	1M return: 2.27% (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: -0.35 (bottom quartile).
Point 10	Sharpe: -0.11 (bottom quartile).	Sharpe: 0.01 (lower mid).	Sharpe: 0.53 (top quartile).	Sharpe: 0.37 (upper mid).	Sharpe: -0.42 (bottom quartile).

UTI Multi Asset Fund

Lower mid AUM (₹6,890 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 13.48% (upper mid).
3Y return: 16.48% (top quartile).
1Y return: 9.59% (lower mid).
1M return: 2.70% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: -0.11 (bottom quartile).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹84,991 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 16.65% (top quartile).
3Y return: 15.40% (upper mid).
1Y return: 9.50% (bottom quartile).
1M return: 1.49% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.01 (lower mid).

SBI Multi Asset Allocation Fund

Upper mid AUM (₹19,354 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 13.48% (lower mid).
3Y return: 15.36% (lower mid).
1Y return: 14.49% (upper mid).
1M return: 1.12% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.53 (top quartile).

Axis Triple Advantage Fund

Bottom quartile AUM (₹2,384 Cr).
Established history (15+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 9.41% (bottom quartile).
3Y return: 14.05% (bottom quartile).
1Y return: 14.70% (top quartile).
1M return: 2.56% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.37 (upper mid).

Edelweiss Multi Asset Allocation Fund

Bottom quartile AUM (₹3,784 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 12.83% (bottom quartile).
3Y return: 13.42% (bottom quartile).
1Y return: 5.15% (bottom quartile).
1M return: 2.27% (lower mid).
Alpha: -0.35 (bottom quartile).
Sharpe: -0.42 (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	₹27.3134 ↑ 0.00	₹1,444	5,000	4.1	4.5	8	10.7	8.8	8
Kotak Equity Savings Fund Growth	₹27.7713 ↓ -0.02	₹10,223	5,000	3.5	2.5	6.6	9.9	9.6	7.9
Tata Equity Savings Fund Growth	₹56.3583 ↑ 0.03	₹285	5,000	-0.1	1.8	6.9	9.8	8
Axis Equity Saver Fund Growth	₹23.35 ↑ 0.02	₹875	5,000	4.7	2.9	6	9	7.3	5.4
SBI Equity Savings Fund Growth	₹24.8113 ↓ -0.01	₹5,610	1,000	2.2	1.6	4.1	8.5	8.1	5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Aug 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Edelweiss Equity Savings Fund	Kotak Equity Savings Fund	Tata Equity Savings Fund	Axis Equity Saver Fund	SBI Equity Savings Fund
Point 1	Lower mid AUM (₹1,444 Cr).	Highest AUM (₹10,223 Cr).	Bottom quartile AUM (₹285 Cr).	Bottom quartile AUM (₹875 Cr).	Upper mid AUM (₹5,610 Cr).
Point 2	Established history (11+ yrs).	Established history (11+ yrs).	Oldest track record among peers (29 yrs).	Established history (11+ yrs).	Established history (11+ yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.	Not 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: 8.80% (upper mid).	5Y return: 9.57% (top quartile).	5Y return: 8.02% (bottom quartile).	5Y return: 7.25% (bottom quartile).	5Y return: 8.13% (lower mid).
Point 6	3Y return: 10.68% (top quartile).	3Y return: 9.91% (upper mid).	3Y return: 9.85% (lower mid).	3Y return: 9.01% (bottom quartile).	3Y return: 8.46% (bottom quartile).
Point 7	1Y return: 7.99% (top quartile).	1Y return: 6.55% (lower mid).	1Y return: 6.88% (upper mid).	1Y return: 6.00% (bottom quartile).	1Y return: 4.07% (bottom quartile).
Point 8	1M return: 1.24% (lower mid).	1M return: 1.47% (top quartile).	1M return: 0.34% (bottom quartile).	1M return: 1.43% (upper mid).	1M return: 0.63% (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: 0.21 (top quartile).	Sharpe: -0.17 (lower mid).	Sharpe: 0.00 (upper mid).	Sharpe: -0.38 (bottom quartile).	Sharpe: -0.84 (bottom quartile).

Edelweiss Equity Savings Fund

Lower mid AUM (₹1,444 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 8.80% (upper mid).
3Y return: 10.68% (top quartile).
1Y return: 7.99% (top quartile).
1M return: 1.24% (lower mid).
Alpha: 0.00 (top quartile).
Sharpe: 0.21 (top quartile).

Kotak Equity Savings Fund

Highest AUM (₹10,223 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 9.57% (top quartile).
3Y return: 9.91% (upper mid).
1Y return: 6.55% (lower mid).
1M return: 1.47% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.17 (lower mid).

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% (bottom quartile).
3Y return: 9.85% (lower mid).
1Y return: 6.88% (upper mid).
1M return: 0.34% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.00 (upper mid).

Axis Equity Saver Fund

Bottom quartile AUM (₹875 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 7.25% (bottom quartile).
3Y return: 9.01% (bottom quartile).
1Y return: 6.00% (bottom quartile).
1M return: 1.43% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.38 (bottom quartile).

SBI Equity Savings Fund

Upper mid AUM (₹5,610 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 8.13% (lower mid).
3Y return: 8.46% (bottom quartile).
1Y return: 4.07% (bottom quartile).
1M return: 0.63% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.84 (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	₹49.268 ↓ -0.09	₹6,832	5,000	5.3	-2.8	-1.1	10	12.4	5.2
ICICI Prudential Child Care Plan (Gift) Growth	₹331.3 ↓ -1.04	₹1,417	5,000	2.8	2.1	1.5	13.7	12.2	8.3
Tata Retirement Savings Fund - Progressive Growth	₹69.9332 ↓ -0.23	₹2,164	5,000	8.4	10.8	9.2	13.7	10.8	-1.2
Tata Retirement Savings Fund-Moderate Growth	₹68.8917 ↓ -0.16	₹2,177	5,000	7.6	9.4	8.7	12.8	10.6	1
SBI Magnum Children's Benefit Plan Growth	₹119.803 ↑ 0.02	₹145	5,000	6	7.8	10	12.2	10.6	3.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Aug 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	HDFC Retirement Savings Fund - Equity Plan	ICICI Prudential Child Care Plan (Gift)	Tata Retirement Savings Fund - Progressive	Tata Retirement Savings Fund-Moderate	SBI Magnum Children's Benefit Plan
Point 1	Highest AUM (₹6,832 Cr).	Bottom quartile AUM (₹1,417 Cr).	Lower mid AUM (₹2,164 Cr).	Upper mid AUM (₹2,177 Cr).	Bottom quartile AUM (₹145 Cr).
Point 2	Established history (10+ yrs).	Oldest track record among peers (24 yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (24+ 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: 12.43% (top quartile).	5Y return: 12.19% (upper mid).	5Y return: 10.79% (lower mid).	5Y return: 10.64% (bottom quartile).	5Y return: 10.59% (bottom quartile).
Point 6	3Y return: 9.98% (bottom quartile).	3Y return: 13.72% (upper mid).	3Y return: 13.72% (top quartile).	3Y return: 12.78% (lower mid).	3Y return: 12.15% (bottom quartile).
Point 7	1Y return: -1.07% (bottom quartile).	1Y return: 1.49% (bottom quartile).	1Y return: 9.21% (upper mid).	1Y return: 8.75% (lower mid).	1Y return: 10.03% (top quartile).
Point 8	1M return: 0.83% (bottom quartile).	1M return: 0.75% (bottom quartile).	1M return: 2.30% (top quartile).	1M return: 2.13% (upper mid).	1M return: 1.17% (lower mid).
Point 9	Alpha: -5.91 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 2.66 (top quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: -0.71 (bottom quartile).	Sharpe: -0.42 (bottom quartile).	Sharpe: -0.22 (lower mid).	Sharpe: -0.22 (upper mid).	Sharpe: 0.32 (top quartile).

HDFC Retirement Savings Fund - Equity Plan

Highest AUM (₹6,832 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 12.43% (top quartile).
3Y return: 9.98% (bottom quartile).
1Y return: -1.07% (bottom quartile).
1M return: 0.83% (bottom quartile).
Alpha: -5.91 (bottom quartile).
Sharpe: -0.71 (bottom quartile).

ICICI Prudential Child Care Plan (Gift)

Bottom quartile AUM (₹1,417 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 12.19% (upper mid).
3Y return: 13.72% (upper mid).
1Y return: 1.49% (bottom quartile).
1M return: 0.75% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.42 (bottom quartile).

Tata Retirement Savings Fund - Progressive

Lower mid AUM (₹2,164 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 10.79% (lower mid).
3Y return: 13.72% (top quartile).
1Y return: 9.21% (upper mid).
1M return: 2.30% (top quartile).
Alpha: 2.66 (top quartile).
Sharpe: -0.22 (lower mid).

Tata Retirement Savings Fund-Moderate

Upper mid AUM (₹2,177 Cr).
Established history (14+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 10.64% (bottom quartile).
3Y return: 12.78% (lower mid).
1Y return: 8.75% (lower mid).
1M return: 2.13% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.22 (upper mid).

SBI Magnum Children's Benefit Plan

Bottom quartile AUM (₹145 Cr).
Established history (24+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately High.
5Y return: 10.59% (bottom quartile).
3Y return: 12.15% (bottom quartile).
1Y return: 10.03% (top quartile).
1M return: 1.17% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.32 (top quartile).

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

Lower mid AUM (₹1,433 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 27.20% (top quartile).
3Y return: 52.48% (top quartile).
1Y return: 69.59% (upper mid).
Alpha: 2.12 (upper mid).
Sharpe: 1.22 (upper mid).
Information ratio: -0.50 (bottom quartile).
Top sector: Basic Materials.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~93%).
Largest holding BGF World Gold I2 (~67.0%).
Top-3 holdings concentration ~100.3%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (13 Aug 26)	₹58.0115 ↓ -1.73 (-2.90 %)
Net Assets (Cr)	₹1,433 on 30 Jun 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	1.22
Information Ratio	-0.5
Alpha Ratio	2.12
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 Jul 21	₹10,000
31 Jul 22	₹7,373
31 Jul 23	₹9,366
31 Jul 24	₹11,150
31 Jul 25	₹16,504
31 Jul 26	₹26,355

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181 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 13 Aug 26

Duration	Returns
1 Month	18.2%
3 Month	-7.7%
6 Month	-7.4%
1 Year	69.6%
3 Year	52.5%
5 Year	27.2%
10 Year
15 Year
Since launch	9.7%

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 30 Jun 26

Equity Sector Allocation

Sector	Value
Basic Materials	92.85%

Asset Allocation

Asset Class	Value
Cash	5.2%
Equity	93.02%
Debt	0.01%
Other	1.77%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	67%	₹960 Cr	983,452 ↓ -21,591
VanEck Gold Miners ETF - \| GDX	29%	₹409 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	5%	₹67 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹4 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 (₹164 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 17.31% (upper mid).
3Y return: 28.25% (upper mid).
1Y return: 73.08% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.74 (top quartile).
Information ratio: 0.00 (upper mid).
Top sector: Basic Materials.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~95%).
Largest holding BGF World Mining I2 (~96.5%).
Top-3 holdings concentration ~100.9%.

Below is the key information for DSP World Mining Fund

DSP World Mining Fund Growth
Launch Date	29 Dec 09
NAV (13 Aug 26)	₹33.2715 ↓ -0.74 (-2.17 %)
Net Assets (Cr)	₹164 on 30 Jun 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.14
Sharpe Ratio	1.74
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 Jul 21	₹10,000
31 Jul 22	₹8,812
31 Jul 23	₹11,045
31 Jul 24	₹10,685
31 Jul 25	₹11,685
31 Jul 26	₹19,837

DSP World Mining Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 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 13 Aug 26

Duration	Returns
1 Month	11.4%
3 Month	-4.5%
6 Month	5.1%
1 Year	73.1%
3 Year	28.2%
5 Year	17.3%
10 Year
15 Year
Since launch	7.5%

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 30 Jun 26

Equity Sector Allocation

Sector	Value
Basic Materials	94.45%
Energy	0.97%

Asset Allocation

Asset Class	Value
Cash	4.56%
Equity	95.43%
Debt	0.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Mining I2 Investment Fund \| -	96%	₹158 Cr	141,034 ↓ -01
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	4%	₹7 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹1 Cr

3. SBI Technology Opportunities Fund

(Erstwhile SBI IT Fund)

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

Research Highlights for SBI Technology Opportunities Fund

Highest AUM (₹4,018 Cr).
Established history (13+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: High.
5Y return: 7.67% (lower mid).
3Y return: 10.48% (lower mid).
1Y return: -2.75% (bottom quartile).
Alpha: 1.96 (lower mid).
Sharpe: -1.34 (bottom quartile).
Information ratio: 0.53 (top quartile).
Top sector: Technology.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding Bharti Airtel Ltd (~18.4%).
Top-3 holdings concentration ~36.6%.

Below is the key information for SBI Technology Opportunities Fund

SBI Technology Opportunities Fund Growth
Launch Date	9 Jan 13
NAV (13 Aug 26)	₹206.882 ↑ 1.16 (0.56 %)
Net Assets (Cr)	₹4,018 on 30 Jun 26
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆
Risk	High
Expense Ratio	1.91
Sharpe Ratio	-1.34
Information Ratio	0.53
Alpha Ratio	1.96
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-15 Days (0.5%),15 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹9,887
31 Jul 23	₹11,042
31 Jul 24	₹15,172
31 Jul 25	₹15,542
31 Jul 26	₹14,830

SBI Technology Opportunities Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹367,070.
Net Profit of ₹67,070 Invest Now

Returns for SBI Technology Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Aug 26

Duration	Returns
1 Month	8.6%
3 Month	14.3%
6 Month	1.7%
1 Year	-2.7%
3 Year	10.5%
5 Year	7.7%
10 Year
15 Year
Since launch	17.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	1.5%
2023	30.1%
2022	24.8%
2021	-15.5%
2020	66.4%
2019	47.3%
2018	12.2%
2017	17.1%
2016	13%
2015	-3.3%

Fund Manager information for SBI Technology Opportunities Fund

Name	Since	Tenure
Vivek Gedda	1 Apr 24	2.33 Yr.

Data below for SBI Technology Opportunities Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Technology	56.16%
Communication Services	25.3%
Consumer Cyclical	12.06%
Financial Services	2.47%
Health Care	1.17%

Asset Allocation

Asset Class	Value
Cash	2.77%
Equity	97.16%
Debt	0.07%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Airtel Ltd (Communication Services) Equity, Since 31 May 18 \| BHARTIARTL	18%	₹741 Cr	4,000,000 ↑ 1,000,000
Infosys Ltd (Technology) Equity, Since 31 Jan 03 \| INFY	11%	₹440 Cr	4,395,176
Tata Consultancy Services Ltd (Technology) Equity, Since 30 Apr 06 \| TCS	7%	₹288 Cr	1,420,000
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Aug 24 \| ETERNAL	7%	₹280 Cr	10,600,000
Amagi Media Labs Ltd (Technology) Equity, Since 31 Jan 26 \| AMAGI	4%	₹179 Cr	3,199,927
LTM Ltd (Technology) Equity, Since 31 Oct 24 \| LTM	4%	₹177 Cr	500,000
Coforge Ltd (Technology) Equity, Since 31 Aug 23 \| COFORGE	4%	₹176 Cr	1,200,000
Alphabet Inc Class A (Communication Services) Equity, Since 31 Dec 23 \| GOOGL	4%	₹169 Cr	50,000 ↓ -6,000
Firstsource Solutions Ltd (Technology) Equity, Since 31 Mar 23 \| FSL	3%	₹137 Cr	6,000,000 ↓ -1,500,923
Microsoft Corp (Technology) Equity, Since 31 Aug 20 \| MSFT	3%	₹134 Cr	38,000

4. Aditya Birla Sun Life Digital India Fund

(Erstwhile Aditya Birla Sun Life New Millennium Fund)

A multi-sector open-ended growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of 100% equity, focusing on investing in technology and technology dependent companies, hardware, peripherals and components, software, telecom, media, internet and e-commerce and other technology enabled companies. The secondary objective is income generation and distribution of dividend.

Research Highlights for Aditya Birla Sun Life Digital India Fund

Upper mid AUM (₹3,589 Cr).
Oldest track record among peers (26 yrs).
Rating: 2★ (lower mid).
Risk profile: High.
5Y return: 4.81% (bottom quartile).
3Y return: 6.26% (bottom quartile).
1Y return: -2.19% (lower mid).
Alpha: 3.86 (top quartile).
Sharpe: -1.27 (lower mid).
Information ratio: -0.12 (lower mid).
Top sector: Technology.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding Infosys Ltd (~13.8%).

Below is the key information for Aditya Birla Sun Life Digital India Fund

Aditya Birla Sun Life Digital India Fund Growth
Launch Date	15 Jan 00
NAV (13 Aug 26)	₹160.73 ↑ 0.92 (0.58 %)
Net Assets (Cr)	₹3,589 on 30 Jun 26
Category	Equity - Sectoral
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆
Risk	High
Expense Ratio	1.88
Sharpe Ratio	-1.27
Information Ratio	-0.12
Alpha Ratio	3.86
Min Investment	1,000
Min SIP Investment	100
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹9,628
31 Jul 23	₹10,858
31 Jul 24	₹15,010
31 Jul 25	₹13,808
31 Jul 26	₹13,047

Aditya Birla Sun Life Digital India Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹340,450.
Net Profit of ₹40,450 Invest Now

Returns for Aditya Birla Sun Life Digital India Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Aug 26

Duration	Returns
1 Month	7.7%
3 Month	14.7%
6 Month	2.5%
1 Year	-2.2%
3 Year	6.3%
5 Year	4.8%
10 Year
15 Year
Since launch	11%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-5.2%
2023	18.1%
2022	35.8%
2021	-21.6%
2020	70.5%
2019	59%
2018	9.6%
2017	15.6%
2016	22.4%
2015	-3.5%

Fund Manager information for Aditya Birla Sun Life Digital India Fund

Name	Since	Tenure
Kunal Sangoi	16 Jan 14	12.55 Yr.

Data below for Aditya Birla Sun Life Digital India Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Technology	61.01%
Consumer Cyclical	12%
Communication Services	11.05%
Industrials	5.97%
Financial Services	3.26%
Consumer Defensive	1.09%

Asset Allocation

Asset Class	Value
Cash	1.53%
Equity	94.89%
Other	3.59%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Infosys Ltd (Technology) Equity, Since 30 Apr 05 \| INFY	14%	₹497 Cr	4,967,365
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Aug 19 \| BHARTIARTL	10%	₹350 Cr	1,888,549 ↓ -51,420
Tech Mahindra Ltd (Technology) Equity, Since 31 May 13 \| 532755	8%	₹279 Cr	1,986,223 ↓ -125,772
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Jul 21 \| ETERNAL	7%	₹254 Cr	9,604,831
Tata Consultancy Services Ltd (Technology) Equity, Since 30 Apr 05 \| TCS	6%	₹231 Cr	1,136,378 ↓ -72,437
Coforge Ltd (Technology) Equity, Since 30 Jun 20 \| COFORGE	5%	₹190 Cr	1,296,695
LTM Ltd (Technology) Equity, Since 31 Mar 21 \| LTM	4%	₹154 Cr	434,328
Persistent Systems Ltd (Technology) Equity, Since 31 Jul 13 \| PERSISTENT	4%	₹135 Cr	311,131
Bmo Global Innovators Fund Series - I - \| -	4%	₹129 Cr	588,130 ↑ 205
Swiggy Ltd (Consumer Cyclical) Equity, Since 30 Nov 24 \| SWIGGY	4%	₹127 Cr	5,292,110 ↑ 172,308

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.