5 Best Performing Lump sum Investments 2025 - 2026

Updated on September 6, 2025 , 154880 views

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

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

What is Lump Sum Investment in Mutual Funds?

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

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

Key Difference (Lump Sum vs SIP):

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

Why Choose Lump Sum Investments?

Lump sum investing is suitable for:

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

Advantages:

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

Risks:

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

Best Performing Lump Sum Mutual Funds in India 2025

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

Fund Selection Methodology used to find 9 funds

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

Top 5 Lump sum Large Cap Equity Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
IDBI India Top 100 Equity Fund Growth	₹44.16 ↑ 0.05	₹655	5,000	9.2	12.5	15.4	21.9	12.6
Nippon India Large Cap Fund Growth	₹91.2937 ↑ 0.26	₹44,165	5,000	0.8	13.6	2.8	18.8	24.3	18.2
ICICI Prudential Bluechip Fund Growth	₹110.33 ↑ 0.28	₹71,788	5,000	0.4	12.1	1.4	17.5	21.5	16.9
DSP TOP 100 Equity Growth	₹469.014 ↑ 1.77	₹6,399	1,000	-1.6	9	0.4	16.7	18.7	20.5
Invesco India Largecap Fund Growth	₹69.79 ↑ 0.35	₹1,528	5,000	0.5	14.6	0.4	16	19.2	20
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jul 23

Research Highlights & Commentary of 5 Funds showcased

Commentary	IDBI India Top 100 Equity Fund	Nippon India Large Cap Fund	ICICI Prudential Bluechip Fund	DSP TOP 100 Equity	Invesco India Largecap Fund
Point 1	Bottom quartile AUM (₹655 Cr).	Upper mid AUM (₹44,165 Cr).	Highest AUM (₹71,788 Cr).	Lower mid AUM (₹6,399 Cr).	Bottom quartile AUM (₹1,528 Cr).
Point 2	Established history (13+ yrs).	Established history (18+ yrs).	Established history (17+ yrs).	Oldest track record among peers (22 yrs).	Established history (16+ yrs).
Point 3	Rating: 3★ (lower mid).	Top rated.	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 12.61% (bottom quartile).	5Y return: 24.32% (top quartile).	5Y return: 21.55% (upper mid).	5Y return: 18.73% (bottom quartile).	5Y return: 19.24% (lower mid).
Point 6	3Y return: 21.88% (top quartile).	3Y return: 18.77% (upper mid).	3Y return: 17.46% (lower mid).	3Y return: 16.73% (bottom quartile).	3Y return: 15.97% (bottom quartile).
Point 7	1Y return: 15.39% (top quartile).	1Y return: 2.77% (upper mid).	1Y return: 1.39% (lower mid).	1Y return: 0.44% (bottom quartile).	1Y return: 0.40% (bottom quartile).
Point 8	Alpha: 2.11 (upper mid).	Alpha: 0.61 (bottom quartile).	Alpha: 1.58 (lower mid).	Alpha: 0.42 (bottom quartile).	Alpha: 2.28 (top quartile).
Point 9	Sharpe: 1.09 (top quartile).	Sharpe: -0.37 (bottom quartile).	Sharpe: -0.35 (lower mid).	Sharpe: -0.38 (bottom quartile).	Sharpe: -0.32 (upper mid).
Point 10	Information ratio: 0.14 (bottom quartile).	Information ratio: 1.84 (top quartile).	Information ratio: 1.50 (upper mid).	Information ratio: 0.84 (lower mid).	Information ratio: 0.62 (bottom quartile).

IDBI India Top 100 Equity Fund

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

Nippon India Large Cap Fund

Upper mid AUM (₹44,165 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 24.32% (top quartile).
3Y return: 18.77% (upper mid).
1Y return: 2.77% (upper mid).
Alpha: 0.61 (bottom quartile).
Sharpe: -0.37 (bottom quartile).
Information ratio: 1.84 (top quartile).

ICICI Prudential Bluechip Fund

Highest AUM (₹71,788 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 21.55% (upper mid).
3Y return: 17.46% (lower mid).
1Y return: 1.39% (lower mid).
Alpha: 1.58 (lower mid).
Sharpe: -0.35 (lower mid).
Information ratio: 1.50 (upper mid).

DSP TOP 100 Equity

Lower mid AUM (₹6,399 Cr).
Oldest track record among peers (22 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 18.73% (bottom quartile).
3Y return: 16.73% (bottom quartile).
1Y return: 0.44% (bottom quartile).
Alpha: 0.42 (bottom quartile).
Sharpe: -0.38 (bottom quartile).
Information ratio: 0.84 (lower mid).

Invesco India Largecap Fund

Bottom quartile AUM (₹1,528 Cr).
Established history (16+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.24% (lower mid).
3Y return: 15.97% (bottom quartile).
1Y return: 0.40% (bottom quartile).
Alpha: 2.28 (top quartile).
Sharpe: -0.32 (upper mid).
Information ratio: 0.62 (bottom quartile).

About the Fincash Research Team

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

Who We Are

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

Our Expertise

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

Our Research Process

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

Why Trust Us

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

Disclaimer

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

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Top 5 Lump sum Mid Cap Equity Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Motilal Oswal Midcap 30 Fund Growth	₹103.772 ↓ -0.25	₹33,609	5,000	3	15.8	1.1	26.8	33.8	57.1
Edelweiss Mid Cap Fund Growth	₹100.469 ↑ 0.17	₹11,027	5,000	-0.4	17.6	1.8	22.8	29.6	38.9
Invesco India Mid Cap Fund Growth	₹181 ↑ 0.32	₹7,802	5,000	2.5	24.3	9.7	26.4	28.5	43.1
ICICI Prudential MidCap Fund Growth	₹297.52 ↑ 1.33	₹6,654	5,000	-1	18.6	1.3	20.5	26.7	27
Sundaram Mid Cap Fund Growth	₹1,384.48 ↑ 2.01	₹12,596	5,000	0.6	17.6	-0.1	21.7	26.6	32
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Motilal Oswal Midcap 30 Fund	Edelweiss Mid Cap Fund	Invesco India Mid Cap Fund	ICICI Prudential MidCap Fund	Sundaram Mid Cap Fund
Point 1	Highest AUM (₹33,609 Cr).	Lower mid AUM (₹11,027 Cr).	Bottom quartile AUM (₹7,802 Cr).	Bottom quartile AUM (₹6,654 Cr).	Upper mid AUM (₹12,596 Cr).
Point 2	Established history (11+ yrs).	Established history (17+ yrs).	Established history (18+ yrs).	Established history (20+ yrs).	Oldest track record among peers (23 yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Rating: 2★ (bottom quartile).	Top rated.
Point 4	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 33.81% (top quartile).	5Y return: 29.56% (upper mid).	5Y return: 28.51% (lower mid).	5Y return: 26.73% (bottom quartile).	5Y return: 26.59% (bottom quartile).
Point 6	3Y return: 26.83% (top quartile).	3Y return: 22.85% (lower mid).	3Y return: 26.41% (upper mid).	3Y return: 20.54% (bottom quartile).	3Y return: 21.68% (bottom quartile).
Point 7	1Y return: 1.06% (bottom quartile).	1Y return: 1.80% (upper mid).	1Y return: 9.73% (top quartile).	1Y return: 1.28% (lower mid).	1Y return: -0.07% (bottom quartile).
Point 8	Alpha: 3.70 (upper mid).	Alpha: 5.32 (top quartile).	Alpha: 0.00 (bottom quartile).	Alpha: 2.10 (bottom quartile).	Alpha: 3.17 (lower mid).
Point 9	Sharpe: -0.11 (lower mid).	Sharpe: -0.06 (upper mid).	Sharpe: 0.32 (top quartile).	Sharpe: -0.22 (bottom quartile).	Sharpe: -0.17 (bottom quartile).
Point 10	Information ratio: 0.44 (top quartile).	Information ratio: 0.20 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: -0.41 (bottom quartile).	Information ratio: 0.00 (bottom quartile).

Motilal Oswal Midcap 30 Fund

Highest AUM (₹33,609 Cr).
Established history (11+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 33.81% (top quartile).
3Y return: 26.83% (top quartile).
1Y return: 1.06% (bottom quartile).
Alpha: 3.70 (upper mid).
Sharpe: -0.11 (lower mid).
Information ratio: 0.44 (top quartile).

Edelweiss Mid Cap Fund

Lower mid AUM (₹11,027 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 29.56% (upper mid).
3Y return: 22.85% (lower mid).
1Y return: 1.80% (upper mid).
Alpha: 5.32 (top quartile).
Sharpe: -0.06 (upper mid).
Information ratio: 0.20 (upper mid).

Invesco India Mid Cap Fund

Bottom quartile AUM (₹7,802 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 28.51% (lower mid).
3Y return: 26.41% (upper mid).
1Y return: 9.73% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.32 (top quartile).
Information ratio: 0.00 (lower mid).

ICICI Prudential MidCap Fund

Bottom quartile AUM (₹6,654 Cr).
Established history (20+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 26.73% (bottom quartile).
3Y return: 20.54% (bottom quartile).
1Y return: 1.28% (lower mid).
Alpha: 2.10 (bottom quartile).
Sharpe: -0.22 (bottom quartile).
Information ratio: -0.41 (bottom quartile).

Sundaram Mid Cap Fund

Upper mid AUM (₹12,596 Cr).
Oldest track record among peers (23 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 26.59% (bottom quartile).
3Y return: 21.68% (bottom quartile).
1Y return: -0.07% (bottom quartile).
Alpha: 3.17 (lower mid).
Sharpe: -0.17 (bottom quartile).
Information ratio: 0.00 (bottom quartile).

Top 5 Lump sum Small Cap Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
HDFC Small Cap Fund Growth	₹142.031 ↑ 0.70	₹36,353	5,000	3.1	18.9	-0.6	22.3	30.7	20.4
Franklin India Smaller Companies Fund Growth	₹168.78 ↑ 0.16	₹13,825	5,000	-3	13.6	-9.3	21.4	29.7	23.2
ICICI Prudential Smallcap Fund Growth	₹88.53 ↓ -0.01	₹8,498	5,000	2.4	17.6	-3.8	17.1	28.8	15.6
IDBI Small Cap Fund Growth	₹30.326 ↑ 0.00	₹618	5,000	1.2	12.2	-9.8	15.9	28.1	40
Sundaram Small Cap Fund Growth	₹257.439 ↑ 0.90	₹3,394	5,000	-0.5	17	-3.9	19	27.8	19.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	HDFC Small Cap Fund	Franklin India Smaller Companies Fund	ICICI Prudential Smallcap Fund	IDBI Small Cap Fund	Sundaram Small Cap Fund
Point 1	Highest AUM (₹36,353 Cr).	Upper mid AUM (₹13,825 Cr).	Lower mid AUM (₹8,498 Cr).	Bottom quartile AUM (₹618 Cr).	Bottom quartile AUM (₹3,394 Cr).
Point 2	Established history (17+ yrs).	Established history (19+ yrs).	Established history (17+ yrs).	Established history (8+ yrs).	Oldest track record among peers (20 yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 3★ (lower mid).	Not 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: 30.68% (top quartile).	5Y return: 29.74% (upper mid).	5Y return: 28.84% (lower mid).	5Y return: 28.10% (bottom quartile).	5Y return: 27.85% (bottom quartile).
Point 6	3Y return: 22.25% (top quartile).	3Y return: 21.41% (upper mid).	3Y return: 17.15% (bottom quartile).	3Y return: 15.91% (bottom quartile).	3Y return: 19.04% (lower mid).
Point 7	1Y return: -0.59% (top quartile).	1Y return: -9.30% (bottom quartile).	1Y return: -3.80% (upper mid).	1Y return: -9.75% (bottom quartile).	1Y return: -3.86% (lower mid).
Point 8	Alpha: 0.00 (upper mid).	Alpha: -5.51 (bottom quartile).	Alpha: -2.97 (lower mid).	Alpha: -3.30 (bottom quartile).	Alpha: 3.14 (top quartile).
Point 9	Sharpe: -0.17 (top quartile).	Sharpe: -0.59 (bottom quartile).	Sharpe: -0.47 (bottom quartile).	Sharpe: -0.45 (lower mid).	Sharpe: -0.17 (upper mid).
Point 10	Information ratio: 0.00 (top quartile).	Information ratio: -0.06 (upper mid).	Information ratio: -0.91 (bottom quartile).	Information ratio: -0.66 (bottom quartile).	Information ratio: -0.51 (lower mid).

HDFC Small Cap Fund

Highest AUM (₹36,353 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 30.68% (top quartile).
3Y return: 22.25% (top quartile).
1Y return: -0.59% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.17 (top quartile).
Information ratio: 0.00 (top quartile).

Franklin India Smaller Companies Fund

Upper mid AUM (₹13,825 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 29.74% (upper mid).
3Y return: 21.41% (upper mid).
1Y return: -9.30% (bottom quartile).
Alpha: -5.51 (bottom quartile).
Sharpe: -0.59 (bottom quartile).
Information ratio: -0.06 (upper mid).

ICICI Prudential Smallcap Fund

Lower mid AUM (₹8,498 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 28.84% (lower mid).
3Y return: 17.15% (bottom quartile).
1Y return: -3.80% (upper mid).
Alpha: -2.97 (lower mid).
Sharpe: -0.47 (bottom quartile).
Information ratio: -0.91 (bottom quartile).

IDBI Small Cap Fund

Bottom quartile AUM (₹618 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 28.10% (bottom quartile).
3Y return: 15.91% (bottom quartile).
1Y return: -9.75% (bottom quartile).
Alpha: -3.30 (bottom quartile).
Sharpe: -0.45 (lower mid).
Information ratio: -0.66 (bottom quartile).

Sundaram Small Cap Fund

Bottom quartile AUM (₹3,394 Cr).
Oldest track record among peers (20 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 27.85% (bottom quartile).
3Y return: 19.04% (lower mid).
1Y return: -3.86% (lower mid).
Alpha: 3.14 (top quartile).
Sharpe: -0.17 (upper mid).
Information ratio: -0.51 (lower mid).

Top 5 Lump sum Diversified/Multi Cap Equity Mutual Fund

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
IDBI Diversified Equity Fund Growth	₹37.99 ↑ 0.14	₹382	5,000	10.2	13.2	13.5	22.7	12
Nippon India Multi Cap Fund Growth	₹301.194 ↑ 0.06	₹45,881	5,000	0.8	16.3	1.2	22.2	30.1	25.8
Motilal Oswal Multicap 35 Fund Growth	₹62.1634 ↓ -0.12	₹13,727	5,000	2.9	14.1	4.4	21.8	19.8	45.7
HDFC Equity Fund Growth	₹2,003.85 ↑ 3.76	₹80,642	5,000	2	13.4	6.2	21.7	28.3	23.5
JM Multicap Fund Growth	₹97.7874 ↑ 0.48	₹5,957	5,000	-0.3	9.9	-9.3	21.2	25.5	33.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jul 23

Research Highlights & Commentary of 5 Funds showcased

Commentary	IDBI Diversified Equity Fund	Nippon India Multi Cap Fund	Motilal Oswal Multicap 35 Fund	HDFC Equity Fund	JM Multicap Fund
Point 1	Bottom quartile AUM (₹382 Cr).	Upper mid AUM (₹45,881 Cr).	Lower mid AUM (₹13,727 Cr).	Highest AUM (₹80,642 Cr).	Bottom quartile AUM (₹5,957 Cr).
Point 2	Established history (11+ yrs).	Established history (20+ yrs).	Established history (11+ yrs).	Oldest track record among peers (30 yrs).	Established history (16+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Rating: 2★ (bottom quartile).	Top rated.	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 12.03% (bottom quartile).	5Y return: 30.08% (top quartile).	5Y return: 19.79% (bottom quartile).	5Y return: 28.28% (upper mid).	5Y return: 25.48% (lower mid).
Point 6	3Y return: 22.73% (top quartile).	3Y return: 22.15% (upper mid).	3Y return: 21.75% (lower mid).	3Y return: 21.69% (bottom quartile).	3Y return: 21.15% (bottom quartile).
Point 7	1Y return: 13.54% (top quartile).	1Y return: 1.23% (bottom quartile).	1Y return: 4.43% (lower mid).	1Y return: 6.19% (upper mid).	1Y return: -9.32% (bottom quartile).
Point 8	Alpha: -1.07 (bottom quartile).	Alpha: 2.00 (lower mid).	Alpha: 10.18 (top quartile).	Alpha: 4.65 (upper mid).	Alpha: -9.56 (bottom quartile).
Point 9	Sharpe: 1.01 (top quartile).	Sharpe: -0.27 (bottom quartile).	Sharpe: 0.11 (upper mid).	Sharpe: -0.02 (lower mid).	Sharpe: -1.04 (bottom quartile).
Point 10	Information ratio: -0.53 (bottom quartile).	Information ratio: 0.95 (upper mid).	Information ratio: 0.80 (bottom quartile).	Information ratio: 1.60 (top quartile).	Information ratio: 0.94 (lower mid).

IDBI Diversified Equity Fund

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

Nippon India Multi Cap Fund

Upper mid AUM (₹45,881 Cr).
Established history (20+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 30.08% (top quartile).
3Y return: 22.15% (upper mid).
1Y return: 1.23% (bottom quartile).
Alpha: 2.00 (lower mid).
Sharpe: -0.27 (bottom quartile).
Information ratio: 0.95 (upper mid).

Motilal Oswal Multicap 35 Fund

Lower mid AUM (₹13,727 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 19.79% (bottom quartile).
3Y return: 21.75% (lower mid).
1Y return: 4.43% (lower mid).
Alpha: 10.18 (top quartile).
Sharpe: 0.11 (upper mid).
Information ratio: 0.80 (bottom quartile).

HDFC Equity Fund

Highest AUM (₹80,642 Cr).
Oldest track record among peers (30 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 28.28% (upper mid).
3Y return: 21.69% (bottom quartile).
1Y return: 6.19% (upper mid).
Alpha: 4.65 (upper mid).
Sharpe: -0.02 (lower mid).
Information ratio: 1.60 (top quartile).

JM Multicap Fund

Bottom quartile AUM (₹5,957 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 25.48% (lower mid).
3Y return: 21.15% (bottom quartile).
1Y return: -9.32% (bottom quartile).
Alpha: -9.56 (bottom quartile).
Sharpe: -1.04 (bottom quartile).
Information ratio: 0.94 (lower mid).

Top 5 Lump sum (ELSS) Equity Linked Saving Scheme

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Motilal Oswal Long Term Equity Fund Growth	₹51.0134 ↑ 0.24	₹4,402	500	-3.3	17.6	-2.8	23.5	25.3	47.7
SBI Magnum Tax Gain Fund Growth	₹434.346 ↑ 0.86	₹30,271	500	-0.7	9.3	-1.9	22.9	25.3	27.7
HDFC Tax Saver Fund Growth	₹1,418.42 ↑ 2.67	₹16,579	500	1.5	13.5	3.8	21	25.2	21.3
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
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Motilal Oswal Long Term Equity Fund	SBI Magnum Tax Gain Fund	HDFC Tax Saver Fund	IDBI Equity Advantage Fund	HDFC Long Term Advantage Fund
Point 1	Lower mid AUM (₹4,402 Cr).	Highest AUM (₹30,271 Cr).	Upper mid AUM (₹16,579 Cr).	Bottom quartile AUM (₹485 Cr).	Bottom quartile AUM (₹1,318 Cr).
Point 2	Established history (10+ yrs).	Established history (18+ yrs).	Oldest track record among peers (29 yrs).	Established history (12+ yrs).	Established history (24+ yrs).
Point 3	Not Rated.	Rating: 2★ (lower mid).	Rating: 2★ (bottom quartile).	Top rated.	Rating: 3★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 25.30% (upper mid).	5Y return: 25.32% (top quartile).	5Y return: 25.15% (lower mid).	5Y return: 9.97% (bottom quartile).	5Y return: 17.39% (bottom quartile).
Point 6	3Y return: 23.46% (top quartile).	3Y return: 22.89% (upper mid).	3Y return: 20.97% (lower mid).	3Y return: 20.84% (bottom quartile).	3Y return: 20.64% (bottom quartile).
Point 7	1Y return: -2.82% (bottom quartile).	1Y return: -1.85% (bottom quartile).	1Y return: 3.81% (lower mid).	1Y return: 16.92% (upper mid).	1Y return: 35.51% (top quartile).
Point 8	Alpha: 11.36 (top quartile).	Alpha: -1.89 (bottom quartile).	Alpha: 3.09 (upper mid).	Alpha: 1.78 (lower mid).	Alpha: 1.75 (bottom quartile).
Point 9	Sharpe: 0.04 (lower mid).	Sharpe: -0.62 (bottom quartile).	Sharpe: -0.18 (bottom quartile).	Sharpe: 1.21 (upper mid).	Sharpe: 2.27 (top quartile).
Point 10	Information ratio: 0.92 (lower mid).	Information ratio: 2.16 (top quartile).	Information ratio: 1.67 (upper mid).	Information ratio: -1.13 (bottom quartile).	Information ratio: -0.15 (bottom quartile).

Motilal Oswal Long Term Equity Fund

Lower mid AUM (₹4,402 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 25.30% (upper mid).
3Y return: 23.46% (top quartile).
1Y return: -2.82% (bottom quartile).
Alpha: 11.36 (top quartile).
Sharpe: 0.04 (lower mid).
Information ratio: 0.92 (lower mid).

SBI Magnum Tax Gain Fund

Highest AUM (₹30,271 Cr).
Established history (18+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 25.32% (top quartile).
3Y return: 22.89% (upper mid).
1Y return: -1.85% (bottom quartile).
Alpha: -1.89 (bottom quartile).
Sharpe: -0.62 (bottom quartile).
Information ratio: 2.16 (top quartile).

HDFC Tax Saver Fund

Upper mid AUM (₹16,579 Cr).
Oldest track record among peers (29 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 25.15% (lower mid).
3Y return: 20.97% (lower mid).
1Y return: 3.81% (lower mid).
Alpha: 3.09 (upper mid).
Sharpe: -0.18 (bottom quartile).
Information ratio: 1.67 (upper mid).

IDBI Equity Advantage Fund

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

HDFC Long Term Advantage Fund

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

Top 5 Lump sum Sector Equity Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Franklin India Opportunities Fund Growth	₹256.87 ↑ 1.07	₹7,376	5,000	3	17	1.1	28.1	29.1	37.3
SBI PSU Fund Growth	₹30.8364 ↓ -0.01	₹5,278	5,000	-4.2	10.4	-6.4	28.1	30	23.5
Invesco India PSU Equity Fund Growth	₹60.88 ↓ -0.14	₹1,391	5,000	-5.7	14.5	-8.2	27.4	28	25.6
ICICI Prudential Infrastructure Fund Growth	₹192.11 ↑ 0.04	₹7,941	5,000	-2.2	12.6	-2.3	27.1	35.3	27.4
Nippon India Power and Infra Fund Growth	₹341.8 ↓ -0.01	₹7,377	5,000	-1.4	13.9	-6.1	26.4	30.8	26.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Franklin India Opportunities Fund	SBI PSU Fund	Invesco India PSU Equity Fund	ICICI Prudential Infrastructure Fund	Nippon India Power and Infra Fund
Point 1	Lower mid AUM (₹7,376 Cr).	Bottom quartile AUM (₹5,278 Cr).	Bottom quartile AUM (₹1,391 Cr).	Highest AUM (₹7,941 Cr).	Upper mid AUM (₹7,377 Cr).
Point 2	Oldest track record among peers (25 yrs).	Established history (15+ yrs).	Established history (15+ yrs).	Established history (20+ yrs).	Established history (21+ yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Top rated.
Point 4	Risk profile: Moderately High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 29.10% (bottom quartile).	5Y return: 29.98% (lower mid).	5Y return: 28.03% (bottom quartile).	5Y return: 35.31% (top quartile).	5Y return: 30.82% (upper mid).
Point 6	3Y return: 28.13% (top quartile).	3Y return: 28.06% (upper mid).	3Y return: 27.41% (lower mid).	3Y return: 27.13% (bottom quartile).	3Y return: 26.40% (bottom quartile).
Point 7	1Y return: 1.14% (top quartile).	1Y return: -6.41% (bottom quartile).	1Y return: -8.17% (bottom quartile).	1Y return: -2.30% (upper mid).	1Y return: -6.06% (lower mid).
Point 8	Alpha: 1.79 (upper mid).	Alpha: 0.19 (lower mid).	Alpha: 5.70 (top quartile).	Alpha: 0.00 (bottom quartile).	Alpha: -4.86 (bottom quartile).
Point 9	Sharpe: -0.30 (top quartile).	Sharpe: -0.78 (bottom quartile).	Sharpe: -0.57 (lower mid).	Sharpe: -0.42 (upper mid).	Sharpe: -0.65 (bottom quartile).
Point 10	Information ratio: 1.83 (top quartile).	Information ratio: -0.27 (bottom quartile).	Information ratio: -0.30 (bottom quartile).	Information ratio: 0.00 (lower mid).	Information ratio: 1.02 (upper mid).

Franklin India Opportunities Fund

Lower mid AUM (₹7,376 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 29.10% (bottom quartile).
3Y return: 28.13% (top quartile).
1Y return: 1.14% (top quartile).
Alpha: 1.79 (upper mid).
Sharpe: -0.30 (top quartile).
Information ratio: 1.83 (top quartile).

SBI PSU Fund

Bottom quartile AUM (₹5,278 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 29.98% (lower mid).
3Y return: 28.06% (upper mid).
1Y return: -6.41% (bottom quartile).
Alpha: 0.19 (lower mid).
Sharpe: -0.78 (bottom quartile).
Information ratio: -0.27 (bottom quartile).

Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,391 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 28.03% (bottom quartile).
3Y return: 27.41% (lower mid).
1Y return: -8.17% (bottom quartile).
Alpha: 5.70 (top quartile).
Sharpe: -0.57 (lower mid).
Information ratio: -0.30 (bottom quartile).

ICICI Prudential Infrastructure Fund

Highest AUM (₹7,941 Cr).
Established history (20+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 35.31% (top quartile).
3Y return: 27.13% (bottom quartile).
1Y return: -2.30% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.42 (upper mid).
Information ratio: 0.00 (lower mid).

Nippon India Power and Infra Fund

Upper mid AUM (₹7,377 Cr).
Established history (21+ yrs).
Top rated.
Risk profile: High.
5Y return: 30.82% (upper mid).
3Y return: 26.40% (bottom quartile).
1Y return: -6.06% (lower mid).
Alpha: -4.86 (bottom quartile).
Sharpe: -0.65 (bottom quartile).
Information ratio: 1.02 (upper 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	₹555.59 ↑ 0.34	₹20,795	1,000	1.6	4.1	7.9	7.4	7.9	6.6%	5M 26D	7M 2D
ICICI Prudential Ultra Short Term Fund Growth	₹28.0434 ↑ 0.01	₹16,382	5,000	1.5	3.9	7.4	7.1	7.5	6.63%	4M 24D	7M 6D
SBI Magnum Ultra Short Duration Fund Growth	₹6,046.25 ↑ 2.99	₹15,902	5,000	1.5	3.7	7.3	7.1	7.4	6.13%	4M 20D	5M 12D
Invesco India Ultra Short Term Fund Growth	₹2,729.13 ↑ 1.28	₹1,191	5,000	1.5	3.7	7.3	6.9	7.5	6.23%	5M 9D	5M 19D
Kotak Savings Fund Growth	₹43.3739 ↑ 0.02	₹15,954	5,000	1.5	3.7	7.2	6.9	7.2	6.36%	5M 19D	6M
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Savings Fund	ICICI Prudential Ultra Short Term Fund	SBI Magnum Ultra Short Duration Fund	Invesco India Ultra Short Term Fund	Kotak Savings Fund
Point 1	Highest AUM (₹20,795 Cr).	Upper mid AUM (₹16,382 Cr).	Bottom quartile AUM (₹15,902 Cr).	Bottom quartile AUM (₹1,191 Cr).	Lower mid AUM (₹15,954 Cr).
Point 2	Established history (22+ yrs).	Established history (14+ yrs).	Oldest track record among peers (26 yrs).	Established history (14+ yrs).	Established history (21+ yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Low.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	1Y return: 7.93% (top quartile).	1Y return: 7.44% (upper mid).	1Y return: 7.33% (lower mid).	1Y return: 7.29% (bottom quartile).	1Y return: 7.18% (bottom quartile).
Point 6	1M return: 0.43% (top quartile).	1M return: 0.43% (upper mid).	1M return: 0.42% (lower mid).	1M return: 0.42% (bottom quartile).	1M return: 0.38% (bottom quartile).
Point 7	Sharpe: 3.76 (top quartile).	Sharpe: 2.80 (upper mid).	Sharpe: 2.77 (lower mid).	Sharpe: 2.75 (bottom quartile).	Sharpe: 2.11 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.60% (upper mid).	Yield to maturity (debt): 6.63% (top quartile).	Yield to maturity (debt): 6.13% (bottom quartile).	Yield to maturity (debt): 6.23% (bottom quartile).	Yield to maturity (debt): 6.36% (lower mid).
Point 10	Modified duration: 0.49 yrs (bottom quartile).	Modified duration: 0.40 yrs (upper mid).	Modified duration: 0.39 yrs (top quartile).	Modified duration: 0.44 yrs (lower mid).	Modified duration: 0.47 yrs (bottom quartile).

Aditya Birla Sun Life Savings Fund

Highest AUM (₹20,795 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.93% (top quartile).
1M return: 0.43% (top quartile).
Sharpe: 3.76 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.60% (upper mid).
Modified duration: 0.49 yrs (bottom quartile).

ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹16,382 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.44% (upper mid).
1M return: 0.43% (upper mid).
Sharpe: 2.80 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.63% (top quartile).
Modified duration: 0.40 yrs (upper mid).

SBI Magnum Ultra Short Duration Fund

Bottom quartile AUM (₹15,902 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 7.33% (lower mid).
1M return: 0.42% (lower mid).
Sharpe: 2.77 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.13% (bottom quartile).
Modified duration: 0.39 yrs (top quartile).

Invesco India Ultra Short Term Fund

Bottom quartile AUM (₹1,191 Cr).
Established history (14+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.29% (bottom quartile).
1M return: 0.42% (bottom quartile).
Sharpe: 2.75 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.23% (bottom quartile).
Modified duration: 0.44 yrs (lower mid).

Kotak Savings Fund

Lower mid AUM (₹15,954 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.18% (bottom quartile).
1M return: 0.38% (bottom quartile).
Sharpe: 2.11 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.36% (lower mid).
Modified duration: 0.47 yrs (bottom quartile).

Top 5 Lump sum Short Term Debt Mutual Funds

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

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Sundaram Short Term Debt Fund Growth	₹36.3802 ↑ 0.01	₹362	5,000	0.8	11.4	12.8	5.3		4.52%	1Y 2M 13D	1Y 7M 3D
Axis Short Term Fund Growth	₹31.3274 ↑ 0.03	₹11,760	5,000	1	4.8	8.6	7.5	8	6.76%	2Y 2M 5D	2Y 10M 20D
Nippon India Short Term Fund Growth	₹53.4249 ↑ 0.03	₹8,739	5,000	0.8	4.6	8.4	7.4	8	6.93%	2Y 7M 24D	3Y 4M 2D
SBI Short Term Debt Fund Growth	₹32.528 ↑ 0.02	₹16,453	5,000	0.9	4.6	8.3	7.3	7.7	6.87%	2Y 8M 23D	3Y 4M 20D
HDFC Short Term Debt Fund Growth	₹32.4077 ↑ 0.03	₹18,143	5,000	0.9	4.6	8.3	7.6	8.3	6.8%	2Y 4M 10D	3Y 6M 25D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Dec 21

Research Highlights & Commentary of 5 Funds showcased

Commentary	Sundaram Short Term Debt Fund	Axis Short Term Fund	Nippon India Short Term Fund	SBI Short Term Debt Fund	HDFC Short Term Debt Fund
Point 1	Bottom quartile AUM (₹362 Cr).	Lower mid AUM (₹11,760 Cr).	Bottom quartile AUM (₹8,739 Cr).	Upper mid AUM (₹16,453 Cr).	Highest AUM (₹18,143 Cr).
Point 2	Oldest track record among peers (23 yrs).	Established history (15+ yrs).	Established history (22+ yrs).	Established history (18+ yrs).	Established history (15+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Rating: 3★ (upper mid).	Top rated.	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.
Point 5	1Y return: 12.83% (top quartile).	1Y return: 8.63% (upper mid).	1Y return: 8.41% (lower mid).	1Y return: 8.30% (bottom quartile).	1Y return: 8.27% (bottom quartile).
Point 6	1M return: 0.20% (top quartile).	1M return: 0.10% (upper mid).	1M return: -0.03% (bottom quartile).	1M return: 0.07% (lower mid).	1M return: 0.05% (bottom quartile).
Point 7	Sharpe: 0.98 (bottom quartile).	Sharpe: 2.19 (top quartile).	Sharpe: 1.99 (lower mid).	Sharpe: 1.89 (bottom quartile).	Sharpe: 2.01 (upper mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 4.52% (bottom quartile).	Yield to maturity (debt): 6.76% (bottom quartile).	Yield to maturity (debt): 6.93% (top quartile).	Yield to maturity (debt): 6.87% (upper mid).	Yield to maturity (debt): 6.80% (lower mid).
Point 10	Modified duration: 1.20 yrs (top quartile).	Modified duration: 2.18 yrs (upper mid).	Modified duration: 2.65 yrs (bottom quartile).	Modified duration: 2.73 yrs (bottom quartile).	Modified duration: 2.36 yrs (lower mid).

Sundaram Short Term Debt Fund

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

Axis Short Term Fund

Lower mid AUM (₹11,760 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 8.63% (upper mid).
1M return: 0.10% (upper mid).
Sharpe: 2.19 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.76% (bottom quartile).
Modified duration: 2.18 yrs (upper mid).

Nippon India Short Term Fund

Bottom quartile AUM (₹8,739 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 8.41% (lower mid).
1M return: -0.03% (bottom quartile).
Sharpe: 1.99 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.93% (top quartile).
Modified duration: 2.65 yrs (bottom quartile).

SBI Short Term Debt Fund

Upper mid AUM (₹16,453 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.30% (bottom quartile).
1M return: 0.07% (lower mid).
Sharpe: 1.89 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.87% (upper mid).
Modified duration: 2.73 yrs (bottom quartile).

HDFC Short Term Debt Fund

Highest AUM (₹18,143 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.27% (bottom quartile).
1M return: 0.05% (bottom quartile).
Sharpe: 2.01 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.80% (lower mid).
Modified duration: 2.36 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	₹2,939.28 ↑ 0.37	₹36,757	500	0.5	1.4	3.3	6.9	7.4	5.85%	1M 12D	1M 15D
Canara Robeco Liquid Growth	₹3,177.22 ↑ 0.40	₹6,577	5,000	0.5	1.4	3.3	6.9	7.4	5.76%	1M 5D	1M 7D
DSP Liquidity Fund Growth	₹3,768.61 ↑ 0.46	₹22,245	1,000	0.5	1.4	3.3	6.9	7.4	5.83%	1M 13D	1M 17D
Invesco India Liquid Fund Growth	₹3,628.12 ↑ 0.41	₹14,240	5,000	0.5	1.4	3.3	6.9	7.4	5.78%	1M 9D	1M 9D
Tata Liquid Fund Growth	₹4,157.51 ↑ 0.50	₹22,951	5,000	0.5	1.4	3.3	6.9	7.3	5.88%	1M 15D	1M 15D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Axis Liquid Fund	Canara Robeco Liquid	DSP Liquidity Fund	Invesco India Liquid Fund	Tata Liquid Fund
Point 1	Highest AUM (₹36,757 Cr).	Bottom quartile AUM (₹6,577 Cr).	Lower mid AUM (₹22,245 Cr).	Bottom quartile AUM (₹14,240 Cr).	Upper mid AUM (₹22,951 Cr).
Point 2	Established history (15+ yrs).	Established history (17+ yrs).	Established history (19+ yrs).	Established history (18+ yrs).	Oldest track record among peers (21 yrs).
Point 3	Top rated.	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 6.95% (top quartile).	1Y return: 6.92% (upper mid).	1Y return: 6.92% (lower mid).	1Y return: 6.91% (bottom quartile).	1Y return: 6.91% (bottom quartile).
Point 6	1M return: 0.47% (top quartile).	1M return: 0.47% (upper mid).	1M return: 0.47% (lower mid).	1M return: 0.47% (bottom quartile).	1M return: 0.47% (bottom quartile).
Point 7	Sharpe: 3.64 (upper mid).	Sharpe: 3.31 (bottom quartile).	Sharpe: 4.00 (top quartile).	Sharpe: 3.63 (lower mid).	Sharpe: 3.33 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: -0.08 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 5.85% (upper mid).	Yield to maturity (debt): 5.76% (bottom quartile).	Yield to maturity (debt): 5.83% (lower mid).	Yield to maturity (debt): 5.78% (bottom quartile).	Yield to maturity (debt): 5.88% (top quartile).
Point 10	Modified duration: 0.12 yrs (lower mid).	Modified duration: 0.10 yrs (top quartile).	Modified duration: 0.12 yrs (bottom quartile).	Modified duration: 0.11 yrs (upper mid).	Modified duration: 0.13 yrs (bottom quartile).

Axis Liquid Fund

Highest AUM (₹36,757 Cr).
Established history (15+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.95% (top quartile).
1M return: 0.47% (top quartile).
Sharpe: 3.64 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 5.85% (upper mid).
Modified duration: 0.12 yrs (lower mid).

Canara Robeco Liquid

Bottom quartile AUM (₹6,577 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.92% (upper mid).
1M return: 0.47% (upper mid).
Sharpe: 3.31 (bottom quartile).
Information ratio: -0.08 (bottom quartile).
Yield to maturity (debt): 5.76% (bottom quartile).
Modified duration: 0.10 yrs (top quartile).

DSP Liquidity Fund

Lower mid AUM (₹22,245 Cr).
Established history (19+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.92% (lower mid).
1M return: 0.47% (lower mid).
Sharpe: 4.00 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 5.83% (lower mid).
Modified duration: 0.12 yrs (bottom quartile).

Invesco India Liquid Fund

Bottom quartile AUM (₹14,240 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.91% (bottom quartile).
1M return: 0.47% (bottom quartile).
Sharpe: 3.63 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 5.78% (bottom quartile).
Modified duration: 0.11 yrs (upper mid).

Tata Liquid Fund

Upper mid AUM (₹22,951 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 6.91% (bottom quartile).
1M return: 0.47% (bottom quartile).
Sharpe: 3.33 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.88% (top quartile).
Modified duration: 0.13 yrs (bottom quartile).

Top 5 Lump sum GILT Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
ICICI Prudential Gilt Fund Growth	₹103.175 ↓ -0.15	₹7,330	5,000	-0.2	4.2	7.7	7.9	8.2	6.63%	4Y 2M 5D	12Y 9M 7D
SBI Magnum Gilt Fund Growth	₹65.868 ↓ -0.13	₹11,980	5,000	-1.6	3.4	5.7	7.6	8.9	6.73%	8Y 4M 28D	17Y 3M 18D
DSP Government Securities Fund Growth	₹95.5987 ↓ -0.20	₹1,894	1,000	-1.6	3.7	5.7	7.5	10.1	6.79%	9Y 3M 4D	23Y 5M 19D
Axis Gilt Fund Growth	₹25.4889 ↓ -0.03	₹619	5,000	-1.6	3.5	6.2	7.3	10	6.78%	8Y 7M 24D	22Y 8M 1D
HDFC Gilt Fund Growth	₹55.2016 ↓ -0.07	₹3,020	5,000	-1.7	3.2	6.1	7.1	8.7	6.77%	8Y 1M 28D	19Y 4M 20D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Gilt Fund	SBI Magnum Gilt Fund	DSP Government Securities Fund	Axis Gilt Fund	HDFC Gilt Fund
Point 1	Upper mid AUM (₹7,330 Cr).	Highest AUM (₹11,980 Cr).	Bottom quartile AUM (₹1,894 Cr).	Bottom quartile AUM (₹619 Cr).	Lower mid AUM (₹3,020 Cr).
Point 2	Oldest track record among peers (26 yrs).	Established history (24+ yrs).	Established history (25+ yrs).	Established history (13+ yrs).	Established history (24+ yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 3★ (lower mid).	Rating: 1★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 7.67% (top quartile).	1Y return: 5.74% (bottom quartile).	1Y return: 5.68% (bottom quartile).	1Y return: 6.20% (upper mid).	1Y return: 6.13% (lower mid).
Point 6	1M return: -0.32% (top quartile).	1M return: -0.46% (upper mid).	1M return: -0.51% (lower mid).	1M return: -0.60% (bottom quartile).	1M return: -0.84% (bottom quartile).
Point 7	Sharpe: 1.16 (top quartile).	Sharpe: 0.20 (bottom quartile).	Sharpe: 0.25 (bottom quartile).	Sharpe: 0.41 (lower mid).	Sharpe: 0.45 (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): 6.63% (bottom quartile).	Yield to maturity (debt): 6.73% (bottom quartile).	Yield to maturity (debt): 6.79% (top quartile).	Yield to maturity (debt): 6.78% (upper mid).	Yield to maturity (debt): 6.77% (lower mid).
Point 10	Modified duration: 4.18 yrs (top quartile).	Modified duration: 8.41 yrs (lower mid).	Modified duration: 9.26 yrs (bottom quartile).	Modified duration: 8.65 yrs (bottom quartile).	Modified duration: 8.16 yrs (upper mid).

ICICI Prudential Gilt Fund

Upper mid AUM (₹7,330 Cr).
Oldest track record among peers (26 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 7.67% (top quartile).
1M return: -0.32% (top quartile).
Sharpe: 1.16 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.63% (bottom quartile).
Modified duration: 4.18 yrs (top quartile).

SBI Magnum Gilt Fund

Highest AUM (₹11,980 Cr).
Established history (24+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 5.74% (bottom quartile).
1M return: -0.46% (upper mid).
Sharpe: 0.20 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.73% (bottom quartile).
Modified duration: 8.41 yrs (lower mid).

DSP Government Securities Fund

Bottom quartile AUM (₹1,894 Cr).
Established history (25+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 5.68% (bottom quartile).
1M return: -0.51% (lower mid).
Sharpe: 0.25 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.79% (top quartile).
Modified duration: 9.26 yrs (bottom quartile).

Axis Gilt Fund

Bottom quartile AUM (₹619 Cr).
Established history (13+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.20% (upper mid).
1M return: -0.60% (bottom quartile).
Sharpe: 0.41 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.78% (upper mid).
Modified duration: 8.65 yrs (bottom quartile).

HDFC Gilt Fund

Lower mid AUM (₹3,020 Cr).
Established history (24+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.13% (lower mid).
1M return: -0.84% (bottom quartile).
Sharpe: 0.45 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.77% (lower mid).
Modified duration: 8.16 yrs (upper mid).

Top 5 Lump sum Corporate Bond Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Nippon India Prime Debt Fund Growth	₹60.6916 ↑ 0.05	₹10,013	1,000	0.6	4.8	8.5	7.8	8.4	6.81%	3Y 6M 7D	4Y 7M 20D
ICICI Prudential Corporate Bond Fund Growth	₹30.1929 ↑ 0.01	₹33,574	5,000	1	4.6	8.3	7.8	8	6.78%	2Y 5M 26D	4Y 6M 29D
BNP Paribas Corporate Bond Fund Growth	₹27.8381 ↑ 0.03	₹422	5,000	0.7	5.2	8.8	7.7	8.3	6.73%	3Y 6M 22D	4Y 10M 20D
Aditya Birla Sun Life Corporate Bond Fund Growth	₹113.96 ↑ 0.07	₹28,598	1,000	0.3	4.2	8	7.7	8.5	6.9%	4Y 6M 11D	6Y 10M 17D
HDFC Corporate Bond Fund Growth	₹32.8645 ↑ 0.03	₹35,968	5,000	0.3	4.4	8	7.6	8.6	6.88%	4Y 2M 12D	6Y 9M 11D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Nippon India Prime Debt Fund	ICICI Prudential Corporate Bond Fund	BNP Paribas Corporate Bond Fund	Aditya Birla Sun Life Corporate Bond Fund	HDFC Corporate Bond Fund
Point 1	Bottom quartile AUM (₹10,013 Cr).	Upper mid AUM (₹33,574 Cr).	Bottom quartile AUM (₹422 Cr).	Lower mid AUM (₹28,598 Cr).	Highest AUM (₹35,968 Cr).
Point 2	Established history (25+ yrs).	Established history (16+ yrs).	Established history (16+ yrs).	Oldest track record among peers (28 yrs).	Established history (15+ yrs).
Point 3	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 3★ (bottom quartile).	Top rated.	Rating: 5★ (upper mid).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.
Point 5	1Y return: 8.50% (upper mid).	1Y return: 8.30% (lower mid).	1Y return: 8.78% (top quartile).	1Y return: 7.99% (bottom quartile).	1Y return: 8.02% (bottom quartile).
Point 6	1M return: -0.17% (lower mid).	1M return: 0.08% (top quartile).	1M return: -0.12% (upper mid).	1M return: -0.24% (bottom quartile).	1M return: -0.22% (bottom quartile).
Point 7	Sharpe: 1.79 (upper mid).	Sharpe: 2.12 (top quartile).	Sharpe: 1.78 (lower mid).	Sharpe: 1.54 (bottom quartile).	Sharpe: 1.46 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.81% (lower mid).	Yield to maturity (debt): 6.78% (bottom quartile).	Yield to maturity (debt): 6.73% (bottom quartile).	Yield to maturity (debt): 6.90% (top quartile).	Yield to maturity (debt): 6.88% (upper mid).
Point 10	Modified duration: 3.52 yrs (upper mid).	Modified duration: 2.49 yrs (top quartile).	Modified duration: 3.56 yrs (lower mid).	Modified duration: 4.53 yrs (bottom quartile).	Modified duration: 4.20 yrs (bottom quartile).

Nippon India Prime Debt Fund

Bottom quartile AUM (₹10,013 Cr).
Established history (25+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.50% (upper mid).
1M return: -0.17% (lower mid).
Sharpe: 1.79 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.81% (lower mid).
Modified duration: 3.52 yrs (upper mid).

ICICI Prudential Corporate Bond Fund

Upper mid AUM (₹33,574 Cr).
Established history (16+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.30% (lower mid).
1M return: 0.08% (top quartile).
Sharpe: 2.12 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.78% (bottom quartile).
Modified duration: 2.49 yrs (top quartile).

BNP Paribas Corporate Bond Fund

Bottom quartile AUM (₹422 Cr).
Established history (16+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.78% (top quartile).
1M return: -0.12% (upper mid).
Sharpe: 1.78 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.73% (bottom quartile).
Modified duration: 3.56 yrs (lower mid).

Aditya Birla Sun Life Corporate Bond Fund

Lower mid AUM (₹28,598 Cr).
Oldest track record among peers (28 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.99% (bottom quartile).
1M return: -0.24% (bottom quartile).
Sharpe: 1.54 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.90% (top quartile).
Modified duration: 4.53 yrs (bottom quartile).

HDFC Corporate Bond Fund

Highest AUM (₹35,968 Cr).
Established history (15+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 8.02% (bottom quartile).
1M return: -0.22% (bottom quartile).
Sharpe: 1.46 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.88% (upper mid).
Modified duration: 4.20 yrs (bottom quartile).

Top 5 Lump sum Credit Risk Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
DSP Credit Risk Fund Growth	₹50.0273 ↑ 0.02	₹208	1,000	0.8	12.5	22	14.6	7.8	6.91%	2Y 1M 6D	2Y 10M 10D
Franklin India Credit Risk Fund Growth	₹25.3348 ↑ 0.04	₹104	5,000	2.9	5	7.5	11		0%
Aditya Birla Sun Life Credit Risk Fund Growth	₹22.7035 ↑ 0.02	₹1,023	1,000	1.8	5.5	16.2	10.4	11.9	7.6%	2Y 29D	3Y 29D
Invesco India Credit Risk Fund Growth	₹1,949.36 ↑ 0.14	₹152	5,000	0.6	5.7	9.6	9.2	7.3	6.79%	2Y 6M 18D	3Y 5M 23D
Nippon India Credit Risk Fund Growth	₹35.5576 ↑ 0.03	₹1,014	500	1.8	5.2	9.3	8.2	8.3	8.28%	1Y 11M 12D	2Y 3M 25D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP Credit Risk Fund	Franklin India Credit Risk Fund	Aditya Birla Sun Life Credit Risk Fund	Invesco India Credit Risk Fund	Nippon India Credit Risk Fund
Point 1	Lower mid AUM (₹208 Cr).	Bottom quartile AUM (₹104 Cr).	Highest AUM (₹1,023 Cr).	Bottom quartile AUM (₹152 Cr).	Upper mid AUM (₹1,014 Cr).
Point 2	Oldest track record among peers (22 yrs).	Established history (13+ yrs).	Established history (10+ yrs).	Established history (11+ yrs).	Established history (20+ yrs).
Point 3	Top rated.	Rating: 1★ (bottom quartile).	Not Rated.	Rating: 4★ (upper mid).	Rating: 2★ (lower mid).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 21.99% (top quartile).	1Y return: 7.45% (bottom quartile).	1Y return: 16.16% (upper mid).	1Y return: 9.61% (lower mid).	1Y return: 9.34% (bottom quartile).
Point 6	1M return: 0.13% (bottom quartile).	1M return: 0.91% (top quartile).	1M return: 0.30% (upper mid).	1M return: 0.12% (bottom quartile).	1M return: 0.24% (lower mid).
Point 7	Sharpe: 1.64 (lower mid).	Sharpe: 0.29 (bottom quartile).	Sharpe: 2.49 (upper mid).	Sharpe: 1.44 (bottom quartile).	Sharpe: 3.44 (top quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.91% (lower mid).	Yield to maturity (debt): 0.00% (bottom quartile).	Yield to maturity (debt): 7.60% (upper mid).	Yield to maturity (debt): 6.79% (bottom quartile).	Yield to maturity (debt): 8.28% (top quartile).
Point 10	Modified duration: 2.10 yrs (bottom quartile).	Modified duration: 0.00 yrs (top quartile).	Modified duration: 2.08 yrs (lower mid).	Modified duration: 2.55 yrs (bottom quartile).	Modified duration: 1.95 yrs (upper mid).

DSP Credit Risk Fund

Lower mid AUM (₹208 Cr).
Oldest track record among peers (22 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 21.99% (top quartile).
1M return: 0.13% (bottom quartile).
Sharpe: 1.64 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.91% (lower mid).
Modified duration: 2.10 yrs (bottom quartile).

Franklin India Credit Risk Fund

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

Aditya Birla Sun Life Credit Risk Fund

Highest AUM (₹1,023 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 16.16% (upper mid).
1M return: 0.30% (upper mid).
Sharpe: 2.49 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.60% (upper mid).
Modified duration: 2.08 yrs (lower mid).

Invesco India Credit Risk Fund

Bottom quartile AUM (₹152 Cr).
Established history (11+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 9.61% (lower mid).
1M return: 0.12% (bottom quartile).
Sharpe: 1.44 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.79% (bottom quartile).
Modified duration: 2.55 yrs (bottom quartile).

Nippon India Credit Risk Fund

Upper mid AUM (₹1,014 Cr).
Established history (20+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderate.
1Y return: 9.34% (bottom quartile).
1M return: 0.24% (lower mid).
Sharpe: 3.44 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.28% (top quartile).
Modified duration: 1.95 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 (%)
JM Equity Hybrid Fund Growth	₹120.205 ↑ 0.34	₹841	5,000	0	8.5	-6.8	19.4	21.3	27
ICICI Prudential Multi-Asset Fund Growth	₹766.769 ↑ 1.18	₹63,001	5,000	1.6	9.5	8.3	19.1	23.8	16.1
ICICI Prudential Equity and Debt Fund Growth	₹396.65 ↑ 0.78	₹44,605	5,000	1.8	11.8	5	19	25.1	17.2
UTI Multi Asset Fund Growth	₹75.3007 ↑ 0.51	₹5,902	5,000	1.3	9.8	3.3	18.6	15.9	20.7
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹37.69 ↑ 0.02	₹1,258	5,000	-2.5	12	-3.6	17.5	23.4	25.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	JM Equity Hybrid Fund	ICICI Prudential Multi-Asset Fund	ICICI Prudential Equity and Debt Fund	UTI Multi Asset Fund	BOI AXA Mid and Small Cap Equity and Debt Fund
Point 1	Bottom quartile AUM (₹841 Cr).	Highest AUM (₹63,001 Cr).	Upper mid AUM (₹44,605 Cr).	Lower mid AUM (₹5,902 Cr).	Bottom quartile AUM (₹1,258 Cr).
Point 2	Oldest track record among peers (30 yrs).	Established history (22+ yrs).	Established history (25+ yrs).	Established history (16+ yrs).	Established history (9+ yrs).
Point 3	Rating: 1★ (lower mid).	Rating: 2★ (upper mid).	Top rated.	Rating: 1★ (bottom quartile).	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 21.34% (bottom quartile).	5Y return: 23.78% (upper mid).	5Y return: 25.10% (top quartile).	5Y return: 15.85% (bottom quartile).	5Y return: 23.43% (lower mid).
Point 6	3Y return: 19.43% (top quartile).	3Y return: 19.11% (upper mid).	3Y return: 19.00% (lower mid).	3Y return: 18.58% (bottom quartile).	3Y return: 17.45% (bottom quartile).
Point 7	1Y return: -6.77% (bottom quartile).	1Y return: 8.28% (top quartile).	1Y return: 4.99% (upper mid).	1Y return: 3.27% (lower mid).	1Y return: -3.63% (bottom quartile).
Point 8	1M return: 2.22% (lower mid).	1M return: 2.55% (upper mid).	1M return: 2.66% (top quartile).	1M return: 2.17% (bottom quartile).	1M return: 1.40% (bottom quartile).
Point 9	Alpha: -7.43 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 2.01 (top quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: -0.92 (bottom quartile).	Sharpe: 0.14 (top quartile).	Sharpe: -0.18 (upper mid).	Sharpe: -0.27 (lower mid).	Sharpe: -0.38 (bottom quartile).

JM Equity Hybrid Fund

Bottom quartile AUM (₹841 Cr).
Oldest track record among peers (30 yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 21.34% (bottom quartile).
3Y return: 19.43% (top quartile).
1Y return: -6.77% (bottom quartile).
1M return: 2.22% (lower mid).
Alpha: -7.43 (bottom quartile).
Sharpe: -0.92 (bottom quartile).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹63,001 Cr).
Established history (22+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 23.78% (upper mid).
3Y return: 19.11% (upper mid).
1Y return: 8.28% (top quartile).
1M return: 2.55% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.14 (top quartile).

ICICI Prudential Equity and Debt Fund

Upper mid AUM (₹44,605 Cr).
Established history (25+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 25.10% (top quartile).
3Y return: 19.00% (lower mid).
1Y return: 4.99% (upper mid).
1M return: 2.66% (top quartile).
Alpha: 2.01 (top quartile).
Sharpe: -0.18 (upper mid).

UTI Multi Asset Fund

Lower mid AUM (₹5,902 Cr).
Established history (16+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.85% (bottom quartile).
3Y return: 18.58% (bottom quartile).
1Y return: 3.27% (lower mid).
1M return: 2.17% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.27 (lower mid).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,258 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 23.43% (lower mid).
3Y return: 17.45% (bottom quartile).
1Y return: -3.63% (bottom quartile).
1M return: 1.40% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.38 (bottom quartile).

Top 5 Lump sum Aggressive Hybrid Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
JM Equity Hybrid Fund Growth	₹120.205 ↑ 0.34	₹841	5,000	0	8.5	-6.8	19.4	21.3	27
ICICI Prudential Equity and Debt Fund Growth	₹396.65 ↑ 0.78	₹44,605	5,000	1.8	11.8	5	19	25.1	17.2
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹37.69 ↑ 0.02	₹1,258	5,000	-2.5	12	-3.6	17.5	23.4	25.8
Sundaram Equity Hybrid Fund Growth	₹135.137 ↑ 0.78	₹1,954	5,000	0.5	10.5	27.1	16	14.2
UTI Hybrid Equity Fund Growth	₹400.475 ↑ 1.60	₹6,422	1,000	-1.1	7.7	-1	15.3	19.8	19.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	JM Equity Hybrid Fund	ICICI Prudential Equity and Debt Fund	BOI AXA Mid and Small Cap Equity and Debt Fund	Sundaram Equity Hybrid Fund	UTI Hybrid Equity Fund
Point 1	Bottom quartile AUM (₹841 Cr).	Highest AUM (₹44,605 Cr).	Bottom quartile AUM (₹1,258 Cr).	Lower mid AUM (₹1,954 Cr).	Upper mid AUM (₹6,422 Cr).
Point 2	Oldest track record among peers (30 yrs).	Established history (25+ yrs).	Established history (9+ yrs).	Established history (25+ yrs).	Established history (30+ yrs).
Point 3	Rating: 1★ (bottom quartile).	Top rated.	Not Rated.	Rating: 2★ (lower mid).	Rating: 3★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 21.34% (lower mid).	5Y return: 25.10% (top quartile).	5Y return: 23.43% (upper mid).	5Y return: 14.20% (bottom quartile).	5Y return: 19.76% (bottom quartile).
Point 6	3Y return: 19.43% (top quartile).	3Y return: 19.00% (upper mid).	3Y return: 17.45% (lower mid).	3Y return: 16.03% (bottom quartile).	3Y return: 15.33% (bottom quartile).
Point 7	1Y return: -6.77% (bottom quartile).	1Y return: 4.99% (upper mid).	1Y return: -3.63% (bottom quartile).	1Y return: 27.10% (top quartile).	1Y return: -1.00% (lower mid).
Point 8	1M return: 2.22% (upper mid).	1M return: 2.66% (top quartile).	1M return: 1.40% (bottom quartile).	1M return: 1.80% (lower mid).	1M return: 0.77% (bottom quartile).
Point 9	Alpha: -7.43 (bottom quartile).	Alpha: 2.01 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 5.81 (top quartile).	Alpha: -0.36 (bottom quartile).
Point 10	Sharpe: -0.92 (bottom quartile).	Sharpe: -0.18 (upper mid).	Sharpe: -0.38 (lower mid).	Sharpe: 2.64 (top quartile).	Sharpe: -0.42 (bottom quartile).

JM Equity Hybrid Fund

Bottom quartile AUM (₹841 Cr).
Oldest track record among peers (30 yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 21.34% (lower mid).
3Y return: 19.43% (top quartile).
1Y return: -6.77% (bottom quartile).
1M return: 2.22% (upper mid).
Alpha: -7.43 (bottom quartile).
Sharpe: -0.92 (bottom quartile).

ICICI Prudential Equity and Debt Fund

Highest AUM (₹44,605 Cr).
Established history (25+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 25.10% (top quartile).
3Y return: 19.00% (upper mid).
1Y return: 4.99% (upper mid).
1M return: 2.66% (top quartile).
Alpha: 2.01 (upper mid).
Sharpe: -0.18 (upper mid).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,258 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 23.43% (upper mid).
3Y return: 17.45% (lower mid).
1Y return: -3.63% (bottom quartile).
1M return: 1.40% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.38 (lower mid).

Sundaram Equity Hybrid Fund

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

UTI Hybrid Equity Fund

Upper mid AUM (₹6,422 Cr).
Established history (30+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 19.76% (bottom quartile).
3Y return: 15.33% (bottom quartile).
1Y return: -1.00% (lower mid).
1M return: 0.77% (bottom quartile).
Alpha: -0.36 (bottom quartile).
Sharpe: -0.42 (bottom quartile).

Top 5 Lump sum Conservative Hybrid Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
JM Equity Hybrid Fund Growth	₹120.205 ↑ 0.34	₹841	5,000	0	8.5	-6.8	19.4	21.3	27
ICICI Prudential Multi-Asset Fund Growth	₹766.769 ↑ 1.18	₹63,001	5,000	1.6	9.5	8.3	19.1	23.8	16.1
ICICI Prudential Equity and Debt Fund Growth	₹396.65 ↑ 0.78	₹44,605	5,000	1.8	11.8	5	19	25.1	17.2
UTI Multi Asset Fund Growth	₹75.3007 ↑ 0.51	₹5,902	5,000	1.3	9.8	3.3	18.6	15.9	20.7
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹37.69 ↑ 0.02	₹1,258	5,000	-2.5	12	-3.6	17.5	23.4	25.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	JM Equity Hybrid Fund	ICICI Prudential Multi-Asset Fund	ICICI Prudential Equity and Debt Fund	UTI Multi Asset Fund	BOI AXA Mid and Small Cap Equity and Debt Fund
Point 1	Bottom quartile AUM (₹841 Cr).	Highest AUM (₹63,001 Cr).	Upper mid AUM (₹44,605 Cr).	Lower mid AUM (₹5,902 Cr).	Bottom quartile AUM (₹1,258 Cr).
Point 2	Oldest track record among peers (30 yrs).	Established history (22+ yrs).	Established history (25+ yrs).	Established history (16+ yrs).	Established history (9+ yrs).
Point 3	Rating: 1★ (lower mid).	Rating: 2★ (upper mid).	Top rated.	Rating: 1★ (bottom quartile).	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 21.34% (bottom quartile).	5Y return: 23.78% (upper mid).	5Y return: 25.10% (top quartile).	5Y return: 15.85% (bottom quartile).	5Y return: 23.43% (lower mid).
Point 6	3Y return: 19.43% (top quartile).	3Y return: 19.11% (upper mid).	3Y return: 19.00% (lower mid).	3Y return: 18.58% (bottom quartile).	3Y return: 17.45% (bottom quartile).
Point 7	1Y return: -6.77% (bottom quartile).	1Y return: 8.28% (top quartile).	1Y return: 4.99% (upper mid).	1Y return: 3.27% (lower mid).	1Y return: -3.63% (bottom quartile).
Point 8	1M return: 2.22% (lower mid).	1M return: 2.55% (upper mid).	1M return: 2.66% (top quartile).	1M return: 2.17% (bottom quartile).	1M return: 1.40% (bottom quartile).
Point 9	Alpha: -7.43 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 2.01 (top quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: -0.92 (bottom quartile).	Sharpe: 0.14 (top quartile).	Sharpe: -0.18 (upper mid).	Sharpe: -0.27 (lower mid).	Sharpe: -0.38 (bottom quartile).

JM Equity Hybrid Fund

Bottom quartile AUM (₹841 Cr).
Oldest track record among peers (30 yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 21.34% (bottom quartile).
3Y return: 19.43% (top quartile).
1Y return: -6.77% (bottom quartile).
1M return: 2.22% (lower mid).
Alpha: -7.43 (bottom quartile).
Sharpe: -0.92 (bottom quartile).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹63,001 Cr).
Established history (22+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 23.78% (upper mid).
3Y return: 19.11% (upper mid).
1Y return: 8.28% (top quartile).
1M return: 2.55% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.14 (top quartile).

ICICI Prudential Equity and Debt Fund

Upper mid AUM (₹44,605 Cr).
Established history (25+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 25.10% (top quartile).
3Y return: 19.00% (lower mid).
1Y return: 4.99% (upper mid).
1M return: 2.66% (top quartile).
Alpha: 2.01 (top quartile).
Sharpe: -0.18 (upper mid).

UTI Multi Asset Fund

Lower mid AUM (₹5,902 Cr).
Established history (16+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.85% (bottom quartile).
3Y return: 18.58% (bottom quartile).
1Y return: 3.27% (lower mid).
1M return: 2.17% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.27 (lower mid).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,258 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 23.43% (lower mid).
3Y return: 17.45% (bottom quartile).
1Y return: -3.63% (bottom quartile).
1M return: 1.40% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.38 (bottom quartile).

Top 5 Lump sum Arbitrage Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
UTI Arbitrage Fund Growth	₹35.4067 ↑ 0.01	₹8,512	5,000	1.4	3.2	6.7	7.1	5.7	7.7
SBI Arbitrage Opportunities Fund Growth	₹34.1738 ↑ 0.01	₹39,824	5,000	1.4	3.3	6.6	7.2	5.8	7.5
Kotak Equity Arbitrage Fund Growth	₹37.857 ↑ 0.01	₹71,608	5,000	1.4	3.2	6.6	7.2	5.8	7.8
ICICI Prudential Equity Arbitrage Fund Growth	₹34.6635 ↑ 0.02	₹31,526	5,000	1.4	3.2	6.6	7	5.7	7.6
Aditya Birla Sun Life Arbitrage Fund Growth	₹26.8347 ↑ 0.01	₹22,310	1,000	1.4	3.2	6.6	6.9	5.6	7.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Arbitrage Fund	SBI Arbitrage Opportunities Fund	Kotak Equity Arbitrage Fund	ICICI Prudential Equity Arbitrage Fund	Aditya Birla Sun Life Arbitrage Fund
Point 1	Bottom quartile AUM (₹8,512 Cr).	Upper mid AUM (₹39,824 Cr).	Highest AUM (₹71,608 Cr).	Lower mid AUM (₹31,526 Cr).	Bottom quartile AUM (₹22,310 Cr).
Point 2	Oldest track record among peers (19 yrs).	Established history (18+ yrs).	Established history (19+ yrs).	Established history (18+ yrs).	Established history (16+ yrs).
Point 3	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Top rated.	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	5Y return: 5.67% (lower mid).	5Y return: 5.80% (upper mid).	5Y return: 5.85% (top quartile).	5Y return: 5.67% (bottom quartile).	5Y return: 5.60% (bottom quartile).
Point 6	3Y return: 7.06% (lower mid).	3Y return: 7.18% (upper mid).	3Y return: 7.19% (top quartile).	3Y return: 7.01% (bottom quartile).	3Y return: 6.95% (bottom quartile).
Point 7	1Y return: 6.71% (top quartile).	1Y return: 6.64% (upper mid).	1Y return: 6.63% (lower mid).	1Y return: 6.60% (bottom quartile).	1Y return: 6.58% (bottom quartile).
Point 8	1M return: 0.35% (top quartile).	1M return: 0.35% (upper mid).	1M return: 0.34% (bottom quartile).	1M return: 0.34% (bottom quartile).	1M return: 0.34% (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: 1.43 (top quartile).	Sharpe: 1.27 (upper mid).	Sharpe: 1.19 (bottom quartile).	Sharpe: 1.21 (lower mid).	Sharpe: 0.96 (bottom quartile).

UTI Arbitrage Fund

Bottom quartile AUM (₹8,512 Cr).
Oldest track record among peers (19 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
5Y return: 5.67% (lower mid).
3Y return: 7.06% (lower mid).
1Y return: 6.71% (top quartile).
1M return: 0.35% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 1.43 (top quartile).

SBI Arbitrage Opportunities Fund

Upper mid AUM (₹39,824 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
5Y return: 5.80% (upper mid).
3Y return: 7.18% (upper mid).
1Y return: 6.64% (upper mid).
1M return: 0.35% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 1.27 (upper mid).

Kotak Equity Arbitrage Fund

Highest AUM (₹71,608 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderately Low.
5Y return: 5.85% (top quartile).
3Y return: 7.19% (top quartile).
1Y return: 6.63% (lower mid).
1M return: 0.34% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 1.19 (bottom quartile).

ICICI Prudential Equity Arbitrage Fund

Lower mid AUM (₹31,526 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
5Y return: 5.67% (bottom quartile).
3Y return: 7.01% (bottom quartile).
1Y return: 6.60% (bottom quartile).
1M return: 0.34% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.21 (lower mid).

Aditya Birla Sun Life Arbitrage Fund

Bottom quartile AUM (₹22,310 Cr).
Established history (16+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
5Y return: 5.60% (bottom quartile).
3Y return: 6.95% (bottom quartile).
1Y return: 6.58% (bottom quartile).
1M return: 0.34% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.96 (bottom quartile).

Top 5 Lump sum Dynamic Allocation Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Axis Dynamic Equity Fund Growth	₹20.89 ↑ 0.05	₹3,431	5,000	-0.5	6.4	2.4	13	13.2	17.5
ICICI Prudential Balanced Advantage Fund Growth	₹74.92 ↑ 0.18	₹64,964	5,000	1.9	10	6.1	12.9	14.5	12.3
Invesco India Dynamic Equity Fund Growth	₹53.78 ↑ 0.11	₹1,034	5,000	0.5	8	2	12.5	12.8	15.9
Aditya Birla Sun Life Balanced Advantage Fund Growth	₹106.29 ↑ 0.38	₹8,157	1,000	-0.3	9.2	4.1	12.2	13.8	13
Nippon India Balanced Advantage Fund Growth	₹177.183 ↑ 0.36	₹9,355	5,000	0.6	8.6	2.6	11.8	13.6	13
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Axis Dynamic Equity Fund	ICICI Prudential Balanced Advantage Fund	Invesco India Dynamic Equity Fund	Aditya Birla Sun Life Balanced Advantage Fund	Nippon India Balanced Advantage Fund
Point 1	Bottom quartile AUM (₹3,431 Cr).	Highest AUM (₹64,964 Cr).	Bottom quartile AUM (₹1,034 Cr).	Lower mid AUM (₹8,157 Cr).	Upper mid AUM (₹9,355 Cr).
Point 2	Established history (8+ yrs).	Established history (18+ yrs).	Established history (17+ yrs).	Oldest track record among peers (25 yrs).	Established history (20+ yrs).
Point 3	Not Rated.	Top rated.	Rating: 2★ (bottom quartile).	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: 13.18% (bottom quartile).	5Y return: 14.53% (top quartile).	5Y return: 12.76% (bottom quartile).	5Y return: 13.79% (upper mid).	5Y return: 13.62% (lower mid).
Point 6	3Y return: 12.98% (top quartile).	3Y return: 12.87% (upper mid).	3Y return: 12.46% (lower mid).	3Y return: 12.21% (bottom quartile).	3Y return: 11.75% (bottom quartile).
Point 7	1Y return: 2.41% (bottom quartile).	1Y return: 6.13% (top quartile).	1Y return: 1.96% (bottom quartile).	1Y return: 4.12% (upper mid).	1Y return: 2.63% (lower mid).
Point 8	1M return: 1.02% (bottom quartile).	1M return: 2.19% (top quartile).	1M return: 1.30% (lower mid).	1M return: 1.09% (bottom quartile).	1M return: 1.87% (upper mid).
Point 9	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: -0.31 (lower mid).	Sharpe: -0.05 (top quartile).	Sharpe: -0.33 (bottom quartile).	Sharpe: -0.12 (upper mid).	Sharpe: -0.41 (bottom quartile).

Axis Dynamic Equity Fund

Bottom quartile AUM (₹3,431 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 13.18% (bottom quartile).
3Y return: 12.98% (top quartile).
1Y return: 2.41% (bottom quartile).
1M return: 1.02% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: -0.31 (lower mid).

ICICI Prudential Balanced Advantage Fund

Highest AUM (₹64,964 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 14.53% (top quartile).
3Y return: 12.87% (upper mid).
1Y return: 6.13% (top quartile).
1M return: 2.19% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.05 (top quartile).

Invesco India Dynamic Equity Fund

Bottom quartile AUM (₹1,034 Cr).
Established history (17+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 12.76% (bottom quartile).
3Y return: 12.46% (lower mid).
1Y return: 1.96% (bottom quartile).
1M return: 1.30% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.33 (bottom quartile).

Aditya Birla Sun Life Balanced Advantage Fund

Lower mid AUM (₹8,157 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.79% (upper mid).
3Y return: 12.21% (bottom quartile).
1Y return: 4.12% (upper mid).
1M return: 1.09% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.12 (upper mid).

Nippon India Balanced Advantage Fund

Upper mid AUM (₹9,355 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 13.62% (lower mid).
3Y return: 11.75% (bottom quartile).
1Y return: 2.63% (lower mid).
1M return: 1.87% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.41 (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 (%)
ICICI Prudential Multi-Asset Fund Growth	₹766.769 ↑ 1.18	₹63,001	5,000	1.6	9.5	8.3	19.1	23.8	16.1
UTI Multi Asset Fund Growth	₹75.3007 ↑ 0.51	₹5,902	5,000	1.3	9.8	3.3	18.6	15.9	20.7
Edelweiss Multi Asset Allocation Fund Growth	₹63.44 ↑ 0.20	₹2,994	5,000	0	10.4	2.1	16.6	19.8	20.2
SBI Multi Asset Allocation Fund Growth	₹60.0091 ↑ 0.25	₹9,440	5,000	2.2	10.8	6.5	15.7	14.4	12.8
HDFC Multi-Asset Fund Growth	₹72.337 ↑ 0.26	₹4,635	5,000	1.5	9.7	6.7	13.7	15.2	13.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Multi-Asset Fund	UTI Multi Asset Fund	Edelweiss Multi Asset Allocation Fund	SBI Multi Asset Allocation Fund	HDFC Multi-Asset Fund
Point 1	Highest AUM (₹63,001 Cr).	Lower mid AUM (₹5,902 Cr).	Bottom quartile AUM (₹2,994 Cr).	Upper mid AUM (₹9,440 Cr).	Bottom quartile AUM (₹4,635 Cr).
Point 2	Oldest track record among peers (22 yrs).	Established history (16+ yrs).	Established history (16+ yrs).	Established history (19+ yrs).	Established history (20+ yrs).
Point 3	Rating: 2★ (lower mid).	Rating: 1★ (bottom quartile).	Rating: 1★ (bottom quartile).	Top rated.	Rating: 3★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	5Y return: 23.78% (top quartile).	5Y return: 15.85% (lower mid).	5Y return: 19.76% (upper mid).	5Y return: 14.42% (bottom quartile).	5Y return: 15.25% (bottom quartile).
Point 6	3Y return: 19.11% (top quartile).	3Y return: 18.58% (upper mid).	3Y return: 16.59% (lower mid).	3Y return: 15.73% (bottom quartile).	3Y return: 13.69% (bottom quartile).
Point 7	1Y return: 8.28% (top quartile).	1Y return: 3.27% (bottom quartile).	1Y return: 2.15% (bottom quartile).	1Y return: 6.53% (lower mid).	1Y return: 6.72% (upper mid).
Point 8	1M return: 2.55% (top quartile).	1M return: 2.17% (upper mid).	1M return: 1.59% (lower mid).	1M return: 1.12% (bottom quartile).	1M return: 1.58% (bottom quartile).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 1.29 (top quartile).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.14 (top quartile).	Sharpe: -0.27 (bottom quartile).	Sharpe: -0.27 (bottom quartile).	Sharpe: 0.08 (upper mid).	Sharpe: 0.00 (lower mid).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹63,001 Cr).
Oldest track record among peers (22 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 23.78% (top quartile).
3Y return: 19.11% (top quartile).
1Y return: 8.28% (top quartile).
1M return: 2.55% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.14 (top quartile).

UTI Multi Asset Fund

Lower mid AUM (₹5,902 Cr).
Established history (16+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.85% (lower mid).
3Y return: 18.58% (upper mid).
1Y return: 3.27% (bottom quartile).
1M return: 2.17% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.27 (bottom quartile).

Edelweiss Multi Asset Allocation Fund

Bottom quartile AUM (₹2,994 Cr).
Established history (16+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.76% (upper mid).
3Y return: 16.59% (lower mid).
1Y return: 2.15% (bottom quartile).
1M return: 1.59% (lower mid).
Alpha: 1.29 (top quartile).
Sharpe: -0.27 (bottom quartile).

SBI Multi Asset Allocation Fund

Upper mid AUM (₹9,440 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 14.42% (bottom quartile).
3Y return: 15.73% (bottom quartile).
1Y return: 6.53% (lower mid).
1M return: 1.12% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.08 (upper mid).

HDFC Multi-Asset Fund

Bottom quartile AUM (₹4,635 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
5Y return: 15.25% (bottom quartile).
3Y return: 13.69% (bottom quartile).
1Y return: 6.72% (upper mid).
1M return: 1.58% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.00 (lower mid).

Top 5 Lump sum Equity Savings Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Kotak Equity Savings Fund Growth	₹26.3697 ↑ 0.01	₹8,452	5,000	1.8	7.7	3.5	11.3	11.6	11.7
Edelweiss Equity Savings Fund Growth	₹25.5141 ↑ 0.03	₹750	5,000	2.2	7.3	6.9	10.9	10.9	13.4
SBI Equity Savings Fund Growth	₹24.0067 ↑ 0.04	₹5,738	1,000	0.5	8	4.5	10.8	11.8	12
HDFC Equity Savings Fund Growth	₹66.023 ↑ 0.12	₹5,674	5,000	0.4	6	3.2	9.8	12.3	10.3
DSP Equity Savings Fund Growth	₹21.804 ↑ 0.04	₹3,501	1,000	0.1	4.4	4.5	9.6	11	12.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Kotak Equity Savings Fund	Edelweiss Equity Savings Fund	SBI Equity Savings Fund	HDFC Equity Savings Fund	DSP Equity Savings Fund
Point 1	Highest AUM (₹8,452 Cr).	Bottom quartile AUM (₹750 Cr).	Upper mid AUM (₹5,738 Cr).	Lower mid AUM (₹5,674 Cr).	Bottom quartile AUM (₹3,501 Cr).
Point 2	Established history (10+ yrs).	Established history (10+ yrs).	Established history (10+ yrs).	Oldest track record among peers (20 yrs).	Established history (9+ yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.	Top rated.	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 11.56% (lower mid).	5Y return: 10.90% (bottom quartile).	5Y return: 11.81% (upper mid).	5Y return: 12.28% (top quartile).	5Y return: 11.03% (bottom quartile).
Point 6	3Y return: 11.31% (top quartile).	3Y return: 10.90% (upper mid).	3Y return: 10.77% (lower mid).	3Y return: 9.80% (bottom quartile).	3Y return: 9.59% (bottom quartile).
Point 7	1Y return: 3.53% (bottom quartile).	1Y return: 6.94% (top quartile).	1Y return: 4.52% (upper mid).	1Y return: 3.19% (bottom quartile).	1Y return: 4.49% (lower mid).
Point 8	1M return: 1.69% (top quartile).	1M return: 1.25% (upper mid).	1M return: 1.17% (lower mid).	1M return: 0.85% (bottom quartile).	1M return: 0.25% (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: -0.43 (bottom quartile).	Sharpe: 0.18 (top quartile).	Sharpe: -0.20 (lower mid).	Sharpe: -0.58 (bottom quartile).	Sharpe: -0.09 (upper mid).

Kotak Equity Savings Fund

Highest AUM (₹8,452 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.56% (lower mid).
3Y return: 11.31% (top quartile).
1Y return: 3.53% (bottom quartile).
1M return: 1.69% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: -0.43 (bottom quartile).

Edelweiss Equity Savings Fund

Bottom quartile AUM (₹750 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 10.90% (bottom quartile).
3Y return: 10.90% (upper mid).
1Y return: 6.94% (top quartile).
1M return: 1.25% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.18 (top quartile).

SBI Equity Savings Fund

Upper mid AUM (₹5,738 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.81% (upper mid).
3Y return: 10.77% (lower mid).
1Y return: 4.52% (upper mid).
1M return: 1.17% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.20 (lower mid).

HDFC Equity Savings Fund

Lower mid AUM (₹5,674 Cr).
Oldest track record among peers (20 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 12.28% (top quartile).
3Y return: 9.80% (bottom quartile).
1Y return: 3.19% (bottom quartile).
1M return: 0.85% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.58 (bottom quartile).

DSP Equity Savings Fund

Bottom quartile AUM (₹3,501 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.03% (bottom quartile).
3Y return: 9.59% (bottom quartile).
1Y return: 4.49% (lower mid).
1M return: 0.25% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.09 (upper mid).

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	₹50.2 ↑ 0.12	₹6,612	5,000	-1	10.3	-2	17.8	24.3	18
ICICI Prudential Child Care Plan (Gift) Growth	₹329.53 ↑ 0.69	₹1,393	5,000	1.2	13.9	4	17.8	19.4	16.9
HDFC Retirement Savings Fund - Hybrid - Equity Plan Growth	₹38.383 ↑ 0.09	₹1,673	5,000	-1.2	8.5	-0.6	14	17.7	14
Tata Retirement Savings Fund - Progressive Growth	₹64.7503 ↑ 0.04	₹2,085	5,000	-2.9	12.9	-3	14.4	16.2	21.7
Tata Retirement Savings Fund-Moderate Growth	₹64.0607 ↑ 0.05	₹2,150	5,000	-1.9	11.9	-0.4	13.6	15.2	19.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	HDFC Retirement Savings Fund - Equity Plan	ICICI Prudential Child Care Plan (Gift)	HDFC Retirement Savings Fund - Hybrid - Equity Plan	Tata Retirement Savings Fund - Progressive	Tata Retirement Savings Fund-Moderate
Point 1	Highest AUM (₹6,612 Cr).	Bottom quartile AUM (₹1,393 Cr).	Bottom quartile AUM (₹1,673 Cr).	Lower mid AUM (₹2,085 Cr).	Upper mid AUM (₹2,150 Cr).
Point 2	Established history (9+ yrs).	Oldest track record among peers (24 yrs).	Established history (9+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).
Point 3	Not Rated.	Rating: 2★ (lower mid).	Not Rated.	Top rated.	Rating: 5★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 24.34% (top quartile).	5Y return: 19.36% (upper mid).	5Y return: 17.69% (lower mid).	5Y return: 16.20% (bottom quartile).	5Y return: 15.17% (bottom quartile).
Point 6	3Y return: 17.78% (upper mid).	3Y return: 17.80% (top quartile).	3Y return: 13.99% (bottom quartile).	3Y return: 14.41% (lower mid).	3Y return: 13.63% (bottom quartile).
Point 7	1Y return: -2.02% (bottom quartile).	1Y return: 3.95% (top quartile).	1Y return: -0.55% (lower mid).	1Y return: -2.96% (bottom quartile).	1Y return: -0.42% (upper mid).
Point 8	1M return: 1.32% (bottom quartile).	1M return: 2.02% (top quartile).	1M return: 0.93% (bottom quartile).	1M return: 1.50% (upper mid).	1M return: 1.42% (lower mid).
Point 9	Alpha: -0.66 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.22 (top quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: -0.49 (bottom quartile).	Sharpe: -0.17 (top quartile).	Sharpe: -0.50 (bottom quartile).	Sharpe: -0.41 (lower mid).	Sharpe: -0.37 (upper mid).

HDFC Retirement Savings Fund - Equity Plan

Highest AUM (₹6,612 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 24.34% (top quartile).
3Y return: 17.78% (upper mid).
1Y return: -2.02% (bottom quartile).
1M return: 1.32% (bottom quartile).
Alpha: -0.66 (bottom quartile).
Sharpe: -0.49 (bottom quartile).

ICICI Prudential Child Care Plan (Gift)

Bottom quartile AUM (₹1,393 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.36% (upper mid).
3Y return: 17.80% (top quartile).
1Y return: 3.95% (top quartile).
1M return: 2.02% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.17 (top quartile).

HDFC Retirement Savings Fund - Hybrid - Equity Plan

Bottom quartile AUM (₹1,673 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 17.69% (lower mid).
3Y return: 13.99% (bottom quartile).
1Y return: -0.55% (lower mid).
1M return: 0.93% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.50 (bottom quartile).

Tata Retirement Savings Fund - Progressive

Lower mid AUM (₹2,085 Cr).
Established history (13+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 16.20% (bottom quartile).
3Y return: 14.41% (lower mid).
1Y return: -2.96% (bottom quartile).
1M return: 1.50% (upper mid).
Alpha: 0.22 (top quartile).
Sharpe: -0.41 (lower mid).

Tata Retirement Savings Fund-Moderate

Upper mid AUM (₹2,150 Cr).
Established history (13+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 15.17% (bottom quartile).
3Y return: 13.63% (bottom quartile).
1Y return: -0.42% (upper mid).
1M return: 1.42% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.37 (upper mid).

Best Lump sum Mutual Fund on 1 Month Performance

1. DSP World Gold Fund

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

Research Highlights for DSP World Gold Fund

Lower mid AUM (₹1,212 Cr).
Established history (18+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 13.03% (bottom quartile).
3Y return: 44.48% (top quartile).
1Y return: 85.06% (top quartile).
Alpha: 2.80 (top quartile).
Sharpe: 1.56 (top quartile).
Information ratio: -0.56 (bottom quartile).
Top sector: Basic Materials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding BGF World Gold I2 (~77.7%).
Top-3 holdings concentration ~100.1%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (05 Sep 25)	₹38.9031 ↑ 0.92 (2.43 %)
Net Assets (Cr)	₹1,212 on 31 Jul 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	1.56
Information Ratio	-0.56
Alpha Ratio	2.8
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹7,754
31 Aug 22	₹5,954
31 Aug 23	₹7,515
31 Aug 24	₹9,830
31 Aug 25	₹16,461

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 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 5 Sep 25

Duration	Returns
1 Month	18.6%
3 Month	22.9%
6 Month	60.8%
1 Year	85.1%
3 Year	44.5%
5 Year	13%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	15.9%
2023	7%
2022	-7.7%
2021	-9%
2020	31.4%
2019	35.1%
2018	-10.7%
2017	-4%
2016	52.7%
2015	-18.5%

Fund Manager information for DSP World Gold Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	12.51 Yr.

Data below for DSP World Gold Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Basic Materials	95.27%

Asset Allocation

Asset Class	Value
Cash	1.87%
Equity	95.34%
Debt	0.01%
Other	2.79%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	78%	₹942 Cr	1,578,535 ↓ -32,363
VanEck Gold Miners ETF - \| GDX	21%	₹259 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	1%	₹13 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹2 Cr

2. UTI Transportation & Logistics Fund

Investment Objective is “capital appreciation” through investments in stocks of the companies engaged in the transportation and logistics sector.

Research Highlights for UTI Transportation & Logistics Fund

Upper mid AUM (₹3,565 Cr).
Oldest track record among peers (21 yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 27.25% (top quartile).
3Y return: 23.42% (upper mid).
1Y return: 6.68% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.65 (bottom quartile).
Information ratio: 0.00 (upper mid).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding Mahindra & Mahindra Ltd (~14.0%).

Below is the key information for UTI Transportation & Logistics Fund

UTI Transportation & Logistics Fund Growth
Launch Date	11 Apr 04
NAV (09 Sep 25)	₹294.636 ↑ 0.20 (0.07 %)
Net Assets (Cr)	₹3,565 on 31 Jul 25
Category	Equity - Sectoral
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	1.93
Sharpe Ratio	-0.65
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹13,657
31 Aug 22	₹17,744
31 Aug 23	₹20,391
31 Aug 24	₹31,974
31 Aug 25	₹31,399

UTI Transportation & Logistics 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 UTI Transportation & Logistics Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Sep 25

Duration	Returns
1 Month	12.5%
3 Month	14.1%
6 Month	29.5%
1 Year	6.7%
3 Year	23.4%
5 Year	27.3%
10 Year
15 Year
Since launch	17.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	18.7%
2023	40.1%
2022	14.7%
2021	24.3%
2020	11%
2019	-8.7%
2018	-19.5%
2017	39.6%
2016	4.8%
2015	5.7%

Fund Manager information for UTI Transportation & Logistics Fund

Name	Since	Tenure
Sachin Trivedi	22 Sep 16	8.95 Yr.

Data below for UTI Transportation & Logistics Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	78.96%
Industrials	16.81%

Asset Allocation

Asset Class	Value
Cash	4.04%
Equity	95.82%
Debt	0.15%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Apr 04 \| M&M	14%	₹498 Cr	1,555,675
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Apr 04 \| MARUTI	10%	₹342 Cr	271,513
Eicher Motors Ltd (Consumer Cyclical) Equity, Since 30 Nov 08 \| EICHERMOT	9%	₹320 Cr	584,527
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Jul 21 \| 543320	7%	₹249 Cr	8,074,415 ↑ 700,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 May 18 \| INDIGO	6%	₹229 Cr	387,991
Bajaj Auto Ltd (Consumer Cyclical) Equity, Since 30 Apr 18 \| 532977	5%	₹192 Cr	239,786
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 May 13 \| ADANIPORTS	5%	₹168 Cr	1,226,157
Hero MotoCorp Ltd (Consumer Cyclical) Equity, Since 31 Mar 12 \| HEROMOTOCO	4%	₹140 Cr	327,739
Hyundai Motor India Ltd (Consumer Cyclical) Equity, Since 31 Oct 24 \| HYUNDAI	4%	₹126 Cr	586,342
Tata Motors Ltd (Consumer Cyclical) Equity, Since 30 Apr 04 \| TATAMOTORS	4%	₹126 Cr	1,888,865

3. 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 (₹133 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 14.86% (lower mid).
3Y return: 15.87% (bottom quartile).
1Y return: 32.17% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.23 (upper mid).
Information ratio: 0.00 (lower mid).
Top sector: Basic Materials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding BGF World Mining I2 (~98.5%).
Top-3 holdings concentration ~100.3%.

Below is the key information for DSP World Mining Fund

DSP World Mining Fund Growth
Launch Date	29 Dec 09
NAV (05 Sep 25)	₹20.6841 ↑ 0.51 (2.53 %)
Net Assets (Cr)	₹133 on 31 Jul 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.14
Sharpe Ratio	0.23
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹13,330
31 Aug 22	₹13,126
31 Aug 23	₹14,795
31 Aug 24	₹15,524
31 Aug 25	₹18,716

DSP World Mining Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 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 5 Sep 25

Duration	Returns
1 Month	12.4%
3 Month	18.5%
6 Month	29%
1 Year	32.2%
3 Year	15.9%
5 Year	14.9%
10 Year
15 Year
Since launch	4.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-8.1%
2023	0%
2022	12.2%
2021	18%
2020	34.9%
2019	21.5%
2018	-9.4%
2017	21.1%
2016	49.7%
2015	-36%

Fund Manager information for DSP World Mining Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	12.51 Yr.

Data below for DSP World Mining Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Basic Materials	92.39%
Energy	1.55%

Asset Allocation

Asset Class	Value
Cash	5.43%
Equity	94.53%
Debt	0.04%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Mining I2 Investment Fund \| -	99%	₹132 Cr	196,725 ↓ -3,213
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	2%	₹2 Cr
Net Receivables/Payables Net Current Assets \| -	0%	₹0 Cr

4. Mirae Asset Great Consumer Fund

The investment objective of the scheme is to generate long term capital appreciation by investing in a portfolio of companies/funds that are likely to benefit either directly or indirectly from consumption led demand in India. The Scheme does not guarantee or assure any returns

Research Highlights for Mirae Asset Great Consumer Fund

Highest AUM (₹4,403 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: High.
5Y return: 22.42% (upper mid).
3Y return: 17.92% (lower mid).
1Y return: -0.94% (bottom quartile).
Alpha: -3.64 (bottom quartile).
Sharpe: -0.42 (lower mid).
Information ratio: 0.20 (top quartile).
Top sector: Consumer Cyclical.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding ITC Ltd (~7.2%).

Below is the key information for Mirae Asset Great Consumer Fund

Mirae Asset Great Consumer Fund Growth
Launch Date	29 Mar 11
NAV (09 Sep 25)	₹97.967 ↑ 0.02 (0.02 %)
Net Assets (Cr)	₹4,403 on 31 Jul 25
Category	Equity - Sectoral
AMC	Mirae Asset Global Inv (India) Pvt. Ltd
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.16
Sharpe Ratio	-0.43
Information Ratio	0.2
Alpha Ratio	-3.64
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹14,987
31 Aug 22	₹16,581
31 Aug 23	₹19,443
31 Aug 24	₹27,752
31 Aug 25	₹26,734

Mirae Asset Great Consumer Fund SIP Returns

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

Returns for Mirae Asset Great Consumer Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Sep 25

Duration	Returns
1 Month	7%
3 Month	7.3%
6 Month	20.1%
1 Year	-0.9%
3 Year	17.9%
5 Year	22.4%
10 Year
15 Year
Since launch	17.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	17.2%
2023	32.9%
2022	7.2%
2021	33%
2020	11.2%
2019	8.6%
2018	1.9%
2017	51%
2016	2%
2015	3.8%

Fund Manager information for Mirae Asset Great Consumer Fund

Name	Since	Tenure
Siddhant Chhabria	21 Jun 21	4.2 Yr.

Data below for Mirae Asset Great Consumer Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	51.13%
Consumer Defensive	24.63%
Basic Materials	7.03%
Communication Services	7%
Industrials	5.58%
Health Care	2.38%

Asset Allocation

Asset Class	Value
Cash	2.23%
Equity	97.77%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ITC Ltd (Consumer Defensive) Equity, Since 29 Feb 12 \| ITC	7%	₹318 Cr	7,725,000 ↑ 200,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 19 \| BHARTIARTL	7%	₹308 Cr	1,611,265 ↓ -30,000
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 Oct 23 \| M&M	6%	₹282 Cr	880,648
Eternal Ltd (Consumer Cyclical) Equity, Since 29 Feb 24 \| 543320	6%	₹277 Cr	9,000,000 ↓ -700,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Mar 12 \| MARUTI	5%	₹240 Cr	190,000
Trent Ltd (Consumer Cyclical) Equity, Since 31 May 23 \| 500251	4%	₹190 Cr	378,000
Avenue Supermarts Ltd (Consumer Defensive) Equity, Since 31 Mar 23 \| 540376	4%	₹166 Cr	390,000
Varun Beverages Ltd (Consumer Defensive) Equity, Since 31 Oct 24 \| VBL	3%	₹144 Cr	2,746,887
Hindustan Unilever Ltd (Consumer Defensive) Equity, Since 30 Sep 15 \| HINDUNILVR	3%	₹135 Cr	536,972 ↓ -75,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Aug 23 \| INDIGO	3%	₹134 Cr	226,123 ↓ -17,000

Case Study: Lump Sum vs SIP

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

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

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

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Tips to Invest Lump Sum in 2025

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

FAQs on Lump Sum Mutual Funds

Q1. Is lump sum better than SIP?

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

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

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

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

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

Q4. Which category is best for lump sum?

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

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

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

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.