5 Best Performing Lump sum Investments 2025 - 2026

Updated on January 4, 2026 , 155652 views

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

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

What is Lump Sum Investment in Mutual Funds?

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

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

Key Difference (Lump Sum vs SIP):

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

Why Choose Lump Sum Investments?

Lump sum investing is suitable for:

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

Advantages:

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

Risks:

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

Best Performing Lump Sum Mutual Funds in India 2025

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

Fund Selection Methodology used to find 9 funds

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

Top 5 Lump sum Large Cap Equity Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
IDBI India Top 100 Equity Fund Growth	₹44.16 ↑ 0.05	₹655	5,000	9.2	12.5	15.4	21.9	12.6
Nippon India Large Cap Fund Growth	₹94.2981 ↓ -0.08	₹50,312	5,000	2.5	3.4	9.4	20	19.7	9.2
ICICI Prudential Bluechip Fund Growth	₹116.05 ↓ -0.25	₹78,160	5,000	4.4	4.2	12.3	18.9	17.7	11.3
DSP TOP 100 Equity Growth	₹487.105 ↓ -1.77	₹7,187	1,000	3	2.1	8.5	18.7	14.6	8.4
Bandhan Large Cap Fund Growth	₹81.017 ↑ 0.07	₹2,051	5,000	4.4	4.6	9.4	18.4	14.9	8.2
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	Bandhan Large Cap Fund
Point 1	Bottom quartile AUM (₹655 Cr).	Upper mid AUM (₹50,312 Cr).	Highest AUM (₹78,160 Cr).	Lower mid AUM (₹7,187 Cr).	Bottom quartile AUM (₹2,051 Cr).
Point 2	Established history (13+ yrs).	Established history (18+ yrs).	Established history (17+ yrs).	Oldest track record among peers (22 yrs).	Established history (19+ yrs).
Point 3	Rating: 3★ (lower mid).	Top rated.	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 12.61% (bottom quartile).	5Y return: 19.67% (top quartile).	5Y return: 17.71% (upper mid).	5Y return: 14.56% (bottom quartile).	5Y return: 14.88% (lower mid).
Point 6	3Y return: 21.88% (top quartile).	3Y return: 19.96% (upper mid).	3Y return: 18.95% (lower mid).	3Y return: 18.65% (bottom quartile).	3Y return: 18.42% (bottom quartile).
Point 7	1Y return: 15.39% (top quartile).	1Y return: 9.37% (bottom quartile).	1Y return: 12.29% (upper mid).	1Y return: 8.53% (bottom quartile).	1Y return: 9.44% (lower mid).
Point 8	Alpha: 2.11 (top quartile).	Alpha: -0.13 (lower mid).	Alpha: 1.62 (upper mid).	Alpha: -1.23 (bottom quartile).	Alpha: -0.76 (bottom quartile).
Point 9	Sharpe: 1.09 (top quartile).	Sharpe: 0.22 (lower mid).	Sharpe: 0.33 (upper mid).	Sharpe: 0.12 (bottom quartile).	Sharpe: 0.17 (bottom quartile).
Point 10	Information ratio: 0.14 (bottom quartile).	Information ratio: 1.45 (top quartile).	Information ratio: 1.40 (upper mid).	Information ratio: 0.76 (lower mid).	Information ratio: 0.73 (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 (top quartile).
Sharpe: 1.09 (top quartile).
Information ratio: 0.14 (bottom quartile).

Nippon India Large Cap Fund

Upper mid AUM (₹50,312 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 19.67% (top quartile).
3Y return: 19.96% (upper mid).
1Y return: 9.37% (bottom quartile).
Alpha: -0.13 (lower mid).
Sharpe: 0.22 (lower mid).
Information ratio: 1.45 (top quartile).

ICICI Prudential Bluechip Fund

Highest AUM (₹78,160 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.71% (upper mid).
3Y return: 18.95% (lower mid).
1Y return: 12.29% (upper mid).
Alpha: 1.62 (upper mid).
Sharpe: 0.33 (upper mid).
Information ratio: 1.40 (upper mid).

DSP TOP 100 Equity

Lower mid AUM (₹7,187 Cr).
Oldest track record among peers (22 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 14.56% (bottom quartile).
3Y return: 18.65% (bottom quartile).
1Y return: 8.53% (bottom quartile).
Alpha: -1.23 (bottom quartile).
Sharpe: 0.12 (bottom quartile).
Information ratio: 0.76 (lower mid).

Bandhan Large Cap Fund

Bottom quartile AUM (₹2,051 Cr).
Established history (19+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 14.88% (lower mid).
3Y return: 18.42% (bottom quartile).
1Y return: 9.44% (lower mid).
Alpha: -0.76 (bottom quartile).
Sharpe: 0.17 (bottom quartile).
Information ratio: 0.73 (bottom quartile).

About the Fincash Research Team

At Fincash, our mission is to help investors make informed, confident decisions. With over 10 years in Mutual Fund distribution, our team blends deep industry expertise with a commitment to transparency, accuracy, and investor education.

Who We Are

AMFI Registration No.: 112358
MCA CIN: U74999MH2016PTC282153
Location: Thane, Maharashtra, India
Experience: 10+ years in Mutual Fund distribution

Our Expertise

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

Our Research Process

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

Why Trust Us

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

Disclaimer

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

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Top 5 Lump sum Mid Cap Equity Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Motilal Oswal Midcap 30 Fund Growth	₹99.9437 ↑ 0.82	₹38,003	5,000	-3.5	-4.4	-10.4	25.7	27	-12.1
Edelweiss Mid Cap Fund Growth	₹105.512 ↑ 0.39	₹13,196	5,000	4	1.8	5.6	26.5	24.1	3.8
Invesco India Mid Cap Fund Growth	₹184.52 ↑ 0.08	₹10,006	5,000	1.9	2.7	7.9	27.4	23.3	6.3
ICICI Prudential MidCap Fund Growth	₹319.79 ↑ 0.61	₹7,055	5,000	6.8	4.8	14	23.9	22.2	11.1
Sundaram Mid Cap Fund Growth	₹1,446.96 ↑ 3.44	₹13,345	5,000	3.1	4.1	5.7	25.2	21.9	4.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Jan 26

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 (₹38,003 Cr).	Lower mid AUM (₹13,196 Cr).	Bottom quartile AUM (₹10,006 Cr).	Bottom quartile AUM (₹7,055 Cr).	Upper mid AUM (₹13,345 Cr).
Point 2	Established history (11+ yrs).	Established history (18+ yrs).	Established history (18+ yrs).	Established history (21+ 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: 26.98% (top quartile).	5Y return: 24.08% (upper mid).	5Y return: 23.35% (lower mid).	5Y return: 22.16% (bottom quartile).	5Y return: 21.87% (bottom quartile).
Point 6	3Y return: 25.71% (lower mid).	3Y return: 26.53% (upper mid).	3Y return: 27.39% (top quartile).	3Y return: 23.87% (bottom quartile).	3Y return: 25.18% (bottom quartile).
Point 7	1Y return: -10.35% (bottom quartile).	1Y return: 5.57% (bottom quartile).	1Y return: 7.92% (upper mid).	1Y return: 14.02% (top quartile).	1Y return: 5.66% (lower mid).
Point 8	Alpha: -11.47 (bottom quartile).	Alpha: -2.28 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 1.70 (top quartile).	Alpha: -1.35 (lower mid).
Point 9	Sharpe: -0.40 (bottom quartile).	Sharpe: 0.05 (bottom quartile).	Sharpe: 0.37 (top quartile).	Sharpe: 0.25 (upper mid).	Sharpe: 0.09 (lower mid).
Point 10	Information ratio: 0.21 (upper mid).	Information ratio: 0.27 (top quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: -0.30 (bottom quartile).	Information ratio: 0.15 (lower mid).

Motilal Oswal Midcap 30 Fund

Highest AUM (₹38,003 Cr).
Established history (11+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 26.98% (top quartile).
3Y return: 25.71% (lower mid).
1Y return: -10.35% (bottom quartile).
Alpha: -11.47 (bottom quartile).
Sharpe: -0.40 (bottom quartile).
Information ratio: 0.21 (upper mid).

Edelweiss Mid Cap Fund

Lower mid AUM (₹13,196 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 24.08% (upper mid).
3Y return: 26.53% (upper mid).
1Y return: 5.57% (bottom quartile).
Alpha: -2.28 (bottom quartile).
Sharpe: 0.05 (bottom quartile).
Information ratio: 0.27 (top quartile).

Invesco India Mid Cap Fund

Bottom quartile AUM (₹10,006 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 23.35% (lower mid).
3Y return: 27.39% (top quartile).
1Y return: 7.92% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.37 (top quartile).
Information ratio: 0.00 (bottom quartile).

ICICI Prudential MidCap Fund

Bottom quartile AUM (₹7,055 Cr).
Established history (21+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 22.16% (bottom quartile).
3Y return: 23.87% (bottom quartile).
1Y return: 14.02% (top quartile).
Alpha: 1.70 (top quartile).
Sharpe: 0.25 (upper mid).
Information ratio: -0.30 (bottom quartile).

Sundaram Mid Cap Fund

Upper mid AUM (₹13,345 Cr).
Oldest track record among peers (23 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 21.87% (bottom quartile).
3Y return: 25.18% (bottom quartile).
1Y return: 5.66% (lower mid).
Alpha: -1.35 (lower mid).
Sharpe: 0.09 (lower mid).
Information ratio: 0.15 (lower mid).

Top 5 Lump sum Small Cap Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
HDFC Small Cap Fund Growth	₹139.416 ↑ 0.17	₹38,020	5,000	-1.8	-2.2	1.2	20.4	24.1	-0.6
Franklin India Smaller Companies Fund Growth	₹166.776 ↑ 0.21	₹13,529	5,000	-0.6	-5.4	-6.5	20.5	22.1	-8.4
DSP Small Cap Fund Growth	₹198.908 ↑ 0.50	₹17,010	1,000	2.3	-1.9	0.2	20.5	22.1	-2.8
Sundaram Small Cap Fund Growth	₹263.184 ↑ 0.28	₹3,450	5,000	0.8	0.4	2	20.9	21.8	0.4
IDBI Small Cap Fund Growth	₹29.4867 ↑ 0.00	₹619	5,000	-3.9	-3.6	-12.2	17.8	21.6	-13.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	HDFC Small Cap Fund	Franklin India Smaller Companies Fund	DSP Small Cap Fund	Sundaram Small Cap Fund	IDBI Small Cap Fund
Point 1	Highest AUM (₹38,020 Cr).	Lower mid AUM (₹13,529 Cr).	Upper mid AUM (₹17,010 Cr).	Bottom quartile AUM (₹3,450 Cr).	Bottom quartile AUM (₹619 Cr).
Point 2	Established history (17+ yrs).	Oldest track record among peers (20 yrs).	Established history (18+ yrs).	Established history (20+ yrs).	Established history (8+ yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 3★ (bottom quartile).	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 24.08% (top quartile).	5Y return: 22.13% (upper mid).	5Y return: 22.13% (lower mid).	5Y return: 21.80% (bottom quartile).	5Y return: 21.62% (bottom quartile).
Point 6	3Y return: 20.43% (bottom quartile).	3Y return: 20.50% (upper mid).	3Y return: 20.50% (lower mid).	3Y return: 20.86% (top quartile).	3Y return: 17.79% (bottom quartile).
Point 7	1Y return: 1.19% (upper mid).	1Y return: -6.54% (bottom quartile).	1Y return: 0.16% (lower mid).	1Y return: 1.96% (top quartile).	1Y return: -12.20% (bottom quartile).
Point 8	Alpha: 0.00 (upper mid).	Alpha: -3.60 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: 4.26 (top quartile).	Alpha: -7.32 (bottom quartile).
Point 9	Sharpe: -0.18 (lower mid).	Sharpe: -0.51 (bottom quartile).	Sharpe: -0.16 (upper mid).	Sharpe: -0.13 (top quartile).	Sharpe: -0.64 (bottom quartile).
Point 10	Information ratio: 0.00 (top quartile).	Information ratio: -0.13 (lower mid).	Information ratio: 0.00 (upper mid).	Information ratio: -0.14 (bottom quartile).	Information ratio: -0.66 (bottom quartile).

HDFC Small Cap Fund

Highest AUM (₹38,020 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 24.08% (top quartile).
3Y return: 20.43% (bottom quartile).
1Y return: 1.19% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.18 (lower mid).
Information ratio: 0.00 (top quartile).

Franklin India Smaller Companies Fund

Lower mid AUM (₹13,529 Cr).
Oldest track record among peers (20 yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 22.13% (upper mid).
3Y return: 20.50% (upper mid).
1Y return: -6.54% (bottom quartile).
Alpha: -3.60 (bottom quartile).
Sharpe: -0.51 (bottom quartile).
Information ratio: -0.13 (lower mid).

DSP Small Cap Fund

Upper mid AUM (₹17,010 Cr).
Established history (18+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 22.13% (lower mid).
3Y return: 20.50% (lower mid).
1Y return: 0.16% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.16 (upper mid).
Information ratio: 0.00 (upper mid).

Sundaram Small Cap Fund

Bottom quartile AUM (₹3,450 Cr).
Established history (20+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 21.80% (bottom quartile).
3Y return: 20.86% (top quartile).
1Y return: 1.96% (top quartile).
Alpha: 4.26 (top quartile).
Sharpe: -0.13 (top quartile).
Information ratio: -0.14 (bottom quartile).

IDBI Small Cap Fund

Bottom quartile AUM (₹619 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 21.62% (bottom quartile).
3Y return: 17.79% (bottom quartile).
1Y return: -12.20% (bottom quartile).
Alpha: -7.32 (bottom quartile).
Sharpe: -0.64 (bottom quartile).
Information ratio: -0.66 (bottom quartile).

Top 5 Lump sum Diversified/Multi Cap Equity Mutual Fund

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Motilal Oswal Multicap 35 Fund Growth	₹61.421 ↑ 0.57	₹14,312	5,000	-1.4	-3.3	-4	22.9	14.6	-5.6
IDBI Diversified Equity Fund Growth	₹37.99 ↑ 0.14	₹382	5,000	10.2	13.2	13.5	22.7	12
HDFC Equity Fund Growth	₹2,095.98 ↓ -4.17	₹94,069	5,000	3.2	5.4	13.3	22.4	23.4	11.4
Nippon India Multi Cap Fund Growth	₹301.497 ↑ 0.02	₹50,048	5,000	0	0.4	4.6	22.4	24.3	4.1
Mahindra Badhat Yojana Growth	₹36.7065 ↑ 0.15	₹6,125	1,000	3.8	1.9	6	21	21	3.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Motilal Oswal Multicap 35 Fund	IDBI Diversified Equity Fund	HDFC Equity Fund	Nippon India Multi Cap Fund	Mahindra Badhat Yojana
Point 1	Lower mid AUM (₹14,312 Cr).	Bottom quartile AUM (₹382 Cr).	Highest AUM (₹94,069 Cr).	Upper mid AUM (₹50,048 Cr).	Bottom quartile AUM (₹6,125 Cr).
Point 2	Established history (11+ yrs).	Established history (11+ yrs).	Oldest track record among peers (31 yrs).	Established history (20+ yrs).	Established history (8+ yrs).
Point 3	Top rated.	Rating: 2★ (lower mid).	Rating: 3★ (upper mid).	Rating: 2★ (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: 14.62% (bottom quartile).	5Y return: 12.03% (bottom quartile).	5Y return: 23.38% (upper mid).	5Y return: 24.32% (top quartile).	5Y return: 21.04% (lower mid).
Point 6	3Y return: 22.91% (top quartile).	3Y return: 22.73% (upper mid).	3Y return: 22.44% (lower mid).	3Y return: 22.36% (bottom quartile).	3Y return: 21.00% (bottom quartile).
Point 7	1Y return: -4.04% (bottom quartile).	1Y return: 13.54% (top quartile).	1Y return: 13.25% (upper mid).	1Y return: 4.63% (bottom quartile).	1Y return: 6.01% (lower mid).
Point 8	Alpha: -5.55 (bottom quartile).	Alpha: -1.07 (bottom quartile).	Alpha: 3.46 (top quartile).	Alpha: -0.86 (lower mid).	Alpha: 0.72 (upper mid).
Point 9	Sharpe: -0.21 (bottom quartile).	Sharpe: 1.01 (top quartile).	Sharpe: 0.42 (upper mid).	Sharpe: -0.06 (bottom quartile).	Sharpe: 0.04 (lower mid).
Point 10	Information ratio: 0.66 (lower mid).	Information ratio: -0.53 (bottom quartile).	Information ratio: 1.30 (top quartile).	Information ratio: 0.71 (upper mid).	Information ratio: 0.23 (bottom quartile).

Motilal Oswal Multicap 35 Fund

Lower mid AUM (₹14,312 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 14.62% (bottom quartile).
3Y return: 22.91% (top quartile).
1Y return: -4.04% (bottom quartile).
Alpha: -5.55 (bottom quartile).
Sharpe: -0.21 (bottom quartile).
Information ratio: 0.66 (lower mid).

IDBI Diversified Equity Fund

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

HDFC Equity Fund

Highest AUM (₹94,069 Cr).
Oldest track record among peers (31 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 23.38% (upper mid).
3Y return: 22.44% (lower mid).
1Y return: 13.25% (upper mid).
Alpha: 3.46 (top quartile).
Sharpe: 0.42 (upper mid).
Information ratio: 1.30 (top quartile).

Nippon India Multi Cap Fund

Upper mid AUM (₹50,048 Cr).
Established history (20+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 24.32% (top quartile).
3Y return: 22.36% (bottom quartile).
1Y return: 4.63% (bottom quartile).
Alpha: -0.86 (lower mid).
Sharpe: -0.06 (bottom quartile).
Information ratio: 0.71 (upper mid).

Mahindra Badhat Yojana

Bottom quartile AUM (₹6,125 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 21.04% (lower mid).
3Y return: 21.00% (bottom quartile).
1Y return: 6.01% (lower mid).
Alpha: 0.72 (upper mid).
Sharpe: 0.04 (lower mid).
Information ratio: 0.23 (bottom quartile).

Top 5 Lump sum (ELSS) Equity Linked Saving Scheme

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
SBI Magnum Tax Gain Fund Growth	₹452.596 ↓ -1.52	₹32,327	500	3.7	1.8	6.5	24	20.9	6.6
Motilal Oswal Long Term Equity Fund Growth	₹50.6918 ↓ 0.00	₹4,444	500	-3.1	-4	-7.1	23.2	19.4	-9.1
HDFC Tax Saver Fund Growth	₹1,467.98 ↓ -3.65	₹17,241	500	2.7	3.4	11.6	21.9	21.5	10.3
IDBI Equity Advantage Fund Growth	₹43.39 ↑ 0.04	₹485	500	9.7	15.1	16.9	20.8	10
DSP Tax Saver Fund Growth	₹146.459 ↓ -0.23	₹17,570	500	5	3.4	9.4	20.7	19.2	7.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	SBI Magnum Tax Gain Fund	Motilal Oswal Long Term Equity Fund	HDFC Tax Saver Fund	IDBI Equity Advantage Fund	DSP Tax Saver Fund
Point 1	Highest AUM (₹32,327 Cr).	Bottom quartile AUM (₹4,444 Cr).	Lower mid AUM (₹17,241 Cr).	Bottom quartile AUM (₹485 Cr).	Upper mid AUM (₹17,570 Cr).
Point 2	Established history (18+ yrs).	Established history (10+ yrs).	Oldest track record among peers (29 yrs).	Established history (12+ yrs).	Established history (18+ yrs).
Point 3	Rating: 2★ (lower mid).	Not Rated.	Rating: 2★ (bottom quartile).	Rating: 3★ (upper mid).	Top rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 20.92% (upper mid).	5Y return: 19.38% (lower mid).	5Y return: 21.47% (top quartile).	5Y return: 9.97% (bottom quartile).	5Y return: 19.17% (bottom quartile).
Point 6	3Y return: 23.95% (top quartile).	3Y return: 23.25% (upper mid).	3Y return: 21.86% (lower mid).	3Y return: 20.84% (bottom quartile).	3Y return: 20.68% (bottom quartile).
Point 7	1Y return: 6.51% (bottom quartile).	1Y return: -7.05% (bottom quartile).	1Y return: 11.56% (upper mid).	1Y return: 16.92% (top quartile).	1Y return: 9.39% (lower mid).
Point 8	Alpha: -1.43 (bottom quartile).	Alpha: -7.87 (bottom quartile).	Alpha: 2.31 (top quartile).	Alpha: 1.78 (upper mid).	Alpha: -0.89 (lower mid).
Point 9	Sharpe: -0.04 (bottom quartile).	Sharpe: -0.21 (bottom quartile).	Sharpe: 0.30 (upper mid).	Sharpe: 1.21 (top quartile).	Sharpe: 0.03 (lower mid).
Point 10	Information ratio: 1.89 (top quartile).	Information ratio: 0.66 (bottom quartile).	Information ratio: 1.26 (upper mid).	Information ratio: -1.13 (bottom quartile).	Information ratio: 0.94 (lower mid).

SBI Magnum Tax Gain Fund

Highest AUM (₹32,327 Cr).
Established history (18+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 20.92% (upper mid).
3Y return: 23.95% (top quartile).
1Y return: 6.51% (bottom quartile).
Alpha: -1.43 (bottom quartile).
Sharpe: -0.04 (bottom quartile).
Information ratio: 1.89 (top quartile).

Motilal Oswal Long Term Equity Fund

Bottom quartile AUM (₹4,444 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 19.38% (lower mid).
3Y return: 23.25% (upper mid).
1Y return: -7.05% (bottom quartile).
Alpha: -7.87 (bottom quartile).
Sharpe: -0.21 (bottom quartile).
Information ratio: 0.66 (bottom quartile).

HDFC Tax Saver Fund

Lower mid AUM (₹17,241 Cr).
Oldest track record among peers (29 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 21.47% (top quartile).
3Y return: 21.86% (lower mid).
1Y return: 11.56% (upper mid).
Alpha: 2.31 (top quartile).
Sharpe: 0.30 (upper mid).
Information ratio: 1.26 (upper mid).

IDBI Equity Advantage Fund

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

DSP Tax Saver Fund

Upper mid AUM (₹17,570 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 19.17% (bottom quartile).
3Y return: 20.68% (bottom quartile).
1Y return: 9.39% (lower mid).
Alpha: -0.89 (lower mid).
Sharpe: 0.03 (lower mid).
Information ratio: 0.94 (lower mid).

Top 5 Lump sum Sector Equity Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Franklin India Opportunities Fund Growth	₹262.634 ↓ -0.43	₹8,304	5,000	2	3.5	5.2	30.6	22.2	3.1
Invesco India PSU Equity Fund Growth	₹67.21 ↓ -0.16	₹1,445	5,000	4.3	2.4	15	29.7	27.3	10.3
SBI PSU Fund Growth	₹34.4906 ↓ -0.11	₹5,763	5,000	5.5	6.4	13.9	29.2	28.9	11.3
LIC MF Infrastructure Fund Growth	₹50.1109 ↑ 0.10	₹1,022	5,000	0	-1.1	-1.5	28	26.5	-3.7
UTI Transportation & Logistics Fund Growth	₹300.287 ↓ -1.20	₹4,067	5,000	3	14.2	20.3	26.5	23.1	19.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 6 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Franklin India Opportunities Fund	Invesco India PSU Equity Fund	SBI PSU Fund	LIC MF Infrastructure Fund	UTI Transportation & Logistics Fund
Point 1	Highest AUM (₹8,304 Cr).	Bottom quartile AUM (₹1,445 Cr).	Upper mid AUM (₹5,763 Cr).	Bottom quartile AUM (₹1,022 Cr).	Lower mid AUM (₹4,067 Cr).
Point 2	Oldest track record among peers (25 yrs).	Established history (16+ yrs).	Established history (15+ yrs).	Established history (17+ yrs).	Established history (21+ yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 2★ (bottom quartile).	Not Rated.	Rating: 3★ (lower mid).
Point 4	Risk profile: Moderately High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 22.24% (bottom quartile).	5Y return: 27.28% (upper mid).	5Y return: 28.90% (top quartile).	5Y return: 26.53% (lower mid).	5Y return: 23.11% (bottom quartile).
Point 6	3Y return: 30.60% (top quartile).	3Y return: 29.70% (upper mid).	3Y return: 29.19% (lower mid).	3Y return: 27.95% (bottom quartile).	3Y return: 26.53% (bottom quartile).
Point 7	1Y return: 5.24% (bottom quartile).	1Y return: 15.01% (upper mid).	1Y return: 13.94% (lower mid).	1Y return: -1.48% (bottom quartile).	1Y return: 20.32% (top quartile).
Point 8	Alpha: -2.06 (bottom quartile).	Alpha: -0.45 (upper mid).	Alpha: -0.83 (lower mid).	Alpha: -13.09 (bottom quartile).	Alpha: 0.00 (top quartile).
Point 9	Sharpe: -0.04 (bottom quartile).	Sharpe: 0.06 (upper mid).	Sharpe: 0.03 (lower mid).	Sharpe: -0.18 (bottom quartile).	Sharpe: 0.72 (top quartile).
Point 10	Information ratio: 1.67 (top quartile).	Information ratio: -0.49 (bottom quartile).	Information ratio: -0.53 (bottom quartile).	Information ratio: 0.31 (upper mid).	Information ratio: 0.00 (lower mid).

Franklin India Opportunities Fund

Highest AUM (₹8,304 Cr).
Oldest track record among peers (25 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 22.24% (bottom quartile).
3Y return: 30.60% (top quartile).
1Y return: 5.24% (bottom quartile).
Alpha: -2.06 (bottom quartile).
Sharpe: -0.04 (bottom quartile).
Information ratio: 1.67 (top quartile).

Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,445 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 27.28% (upper mid).
3Y return: 29.70% (upper mid).
1Y return: 15.01% (upper mid).
Alpha: -0.45 (upper mid).
Sharpe: 0.06 (upper mid).
Information ratio: -0.49 (bottom quartile).

SBI PSU Fund

Upper mid AUM (₹5,763 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 28.90% (top quartile).
3Y return: 29.19% (lower mid).
1Y return: 13.94% (lower mid).
Alpha: -0.83 (lower mid).
Sharpe: 0.03 (lower mid).
Information ratio: -0.53 (bottom quartile).

LIC MF Infrastructure Fund

Bottom quartile AUM (₹1,022 Cr).
Established history (17+ yrs).
Not Rated.
Risk profile: High.
5Y return: 26.53% (lower mid).
3Y return: 27.95% (bottom quartile).
1Y return: -1.48% (bottom quartile).
Alpha: -13.09 (bottom quartile).
Sharpe: -0.18 (bottom quartile).
Information ratio: 0.31 (upper mid).

UTI Transportation & Logistics Fund

Lower mid AUM (₹4,067 Cr).
Established history (21+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 23.11% (bottom quartile).
3Y return: 26.53% (bottom quartile).
1Y return: 20.32% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.72 (top quartile).
Information ratio: 0.00 (lower mid).

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

Top 5 Lump sum Ultra Short Term Debt Mutual Funds

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

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹566.488 ↓ -0.13	₹24,129	1,000	1.4	3.1	7.3	7.4	7.4	6.66%	5M 23D	6M 18D
ICICI Prudential Ultra Short Term Fund Growth	₹28.5878 ↓ 0.00	₹19,738	5,000	1.4	3	7	7.1	7.1	6.55%	4M 13D	5M 26D
SBI Magnum Ultra Short Duration Fund Growth	₹6,163.81 ↓ -0.46	₹15,565	5,000	1.4	2.9	6.9	7.1	7	6.35%	5M 8D	5M 23D
Invesco India Ultra Short Term Fund Growth	₹2,778.56 ↓ -0.21	₹1,607	5,000	1.3	2.8	6.8	7	6.8	6.37%	5M 8D	5M 15D
Kotak Savings Fund Growth	₹44.1865 ↓ -0.01	₹16,787	5,000	1.3	2.8	6.8	6.9	6.8	6.51%	5M 5D	6M 4D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Savings Fund	ICICI Prudential Ultra Short Term Fund	SBI Magnum Ultra Short Duration Fund	Invesco India Ultra Short Term Fund	Kotak Savings Fund
Point 1	Highest AUM (₹24,129 Cr).	Upper mid AUM (₹19,738 Cr).	Bottom quartile AUM (₹15,565 Cr).	Bottom quartile AUM (₹1,607 Cr).	Lower mid AUM (₹16,787 Cr).
Point 2	Established history (22+ yrs).	Established history (14+ yrs).	Oldest track record among peers (26 yrs).	Established history (15+ 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: 7.32% (top quartile).	1Y return: 7.04% (upper mid).	1Y return: 6.92% (lower mid).	1Y return: 6.80% (bottom quartile).	1Y return: 6.75% (bottom quartile).
Point 6	1M return: 0.40% (bottom quartile).	1M return: 0.43% (lower mid).	1M return: 0.45% (top quartile).	1M return: 0.43% (upper mid).	1M return: 0.41% (bottom quartile).
Point 7	Sharpe: 3.69 (top quartile).	Sharpe: 3.17 (upper mid).	Sharpe: 2.81 (lower mid).	Sharpe: 2.64 (bottom quartile).	Sharpe: 2.15 (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): 6.66% (top quartile).	Yield to maturity (debt): 6.55% (upper mid).	Yield to maturity (debt): 6.35% (bottom quartile).	Yield to maturity (debt): 6.37% (bottom quartile).	Yield to maturity (debt): 6.51% (lower mid).
Point 10	Modified duration: 0.48 yrs (bottom quartile).	Modified duration: 0.37 yrs (top quartile).	Modified duration: 0.44 yrs (bottom quartile).	Modified duration: 0.44 yrs (lower mid).	Modified duration: 0.43 yrs (upper mid).

Aditya Birla Sun Life Savings Fund

Highest AUM (₹24,129 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.32% (top quartile).
1M return: 0.40% (bottom quartile).
Sharpe: 3.69 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.66% (top quartile).
Modified duration: 0.48 yrs (bottom quartile).

ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹19,738 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.04% (upper mid).
1M return: 0.43% (lower mid).
Sharpe: 3.17 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.55% (upper mid).
Modified duration: 0.37 yrs (top quartile).

SBI Magnum Ultra Short Duration Fund

Bottom quartile AUM (₹15,565 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.92% (lower mid).
1M return: 0.45% (top quartile).
Sharpe: 2.81 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.35% (bottom quartile).
Modified duration: 0.44 yrs (bottom quartile).

Invesco India Ultra Short Term Fund

Bottom quartile AUM (₹1,607 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.80% (bottom quartile).
1M return: 0.43% (upper mid).
Sharpe: 2.64 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.37% (bottom quartile).
Modified duration: 0.44 yrs (lower mid).

Kotak Savings Fund

Lower mid AUM (₹16,787 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.75% (bottom quartile).
1M return: 0.41% (bottom quartile).
Sharpe: 2.15 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.51% (lower mid).
Modified duration: 0.43 yrs (upper mid).

Top 5 Lump sum Short Term Debt Mutual Funds

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

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Sundaram Short Term Debt Fund Growth	₹36.3802 ↑ 0.01	₹362	5,000	0.8	11.4	12.8	5.3		4.52%	1Y 2M 13D	1Y 7M 3D
Axis Short Term Fund Growth	₹31.8852 ↓ -0.01	₹12,692	5,000	1.2	2.5	7.9	7.6	8.1	6.85%	2Y 5M 5D	3Y 22D
ICICI Prudential Short Term Fund Growth	₹62.1137 ↓ -0.01	₹23,473	5,000	1.3	2.7	7.8	7.7	8	7.06%	2Y 3M 22D	4Y 3M 11D
HDFC Short Term Debt Fund Growth	₹33.0085 ↓ -0.01	₹18,412	5,000	1.2	2.5	7.7	7.7	7.8	6.93%	2Y 3M 14D	3Y 4M 24D
Nippon India Short Term Fund Growth	₹54.3853 ↓ 0.00	₹9,809	5,000	1	2.3	7.6	7.5	7.9	7.02%	2Y 7M 24D	3Y 3M 4D
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	ICICI Prudential Short Term Fund	HDFC Short Term Debt Fund	Nippon India Short Term Fund
Point 1	Bottom quartile AUM (₹362 Cr).	Lower mid AUM (₹12,692 Cr).	Highest AUM (₹23,473 Cr).	Upper mid AUM (₹18,412 Cr).	Bottom quartile AUM (₹9,809 Cr).
Point 2	Established history (23+ yrs).	Established history (15+ yrs).	Oldest track record among peers (24 yrs).	Established history (15+ yrs).	Established history (23+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Top rated.	Rating: 3★ (bottom quartile).	Rating: 4★ (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: 12.83% (top quartile).	1Y return: 7.92% (upper mid).	1Y return: 7.84% (lower mid).	1Y return: 7.69% (bottom quartile).	1Y return: 7.64% (bottom quartile).
Point 6	1M return: 0.20% (top quartile).	1M return: 0.07% (bottom quartile).	1M return: 0.18% (upper mid).	1M return: 0.08% (lower mid).	1M return: -0.07% (bottom quartile).
Point 7	Sharpe: 0.98 (bottom quartile).	Sharpe: 1.78 (top quartile).	Sharpe: 1.72 (upper mid).	Sharpe: 1.56 (lower mid).	Sharpe: 1.53 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 4.52% (bottom quartile).	Yield to maturity (debt): 6.85% (bottom quartile).	Yield to maturity (debt): 7.06% (top quartile).	Yield to maturity (debt): 6.93% (lower mid).	Yield to maturity (debt): 7.02% (upper mid).
Point 10	Modified duration: 1.20 yrs (top quartile).	Modified duration: 2.43 yrs (bottom quartile).	Modified duration: 2.31 yrs (lower mid).	Modified duration: 2.29 yrs (upper mid).	Modified duration: 2.65 yrs (bottom quartile).

Sundaram Short Term Debt Fund

Bottom quartile AUM (₹362 Cr).
Established history (23+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 12.83% (top quartile).
1M return: 0.20% (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 (₹12,692 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.92% (upper mid).
1M return: 0.07% (bottom quartile).
Sharpe: 1.78 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.85% (bottom quartile).
Modified duration: 2.43 yrs (bottom quartile).

ICICI Prudential Short Term Fund

Highest AUM (₹23,473 Cr).
Oldest track record among peers (24 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 7.84% (lower mid).
1M return: 0.18% (upper mid).
Sharpe: 1.72 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.06% (top quartile).
Modified duration: 2.31 yrs (lower mid).

HDFC Short Term Debt Fund

Upper mid AUM (₹18,412 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.69% (bottom quartile).
1M return: 0.08% (lower mid).
Sharpe: 1.56 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.93% (lower mid).
Modified duration: 2.29 yrs (upper mid).

Nippon India Short Term Fund

Bottom quartile AUM (₹9,809 Cr).
Established history (23+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.64% (bottom quartile).
1M return: -0.07% (bottom quartile).
Sharpe: 1.53 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.02% (upper mid).
Modified duration: 2.65 yrs (bottom quartile).

Top 5 Lump sum Liquid Mutual Funds

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

Fund	NAV	Net Assets (Cr)	Min Investment	1 MO (%)	3 MO (%)	6 MO (%)	1 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Axis Liquid Fund Growth	₹2,995.56 ↑ 0.20	₹37,358	500	0.5	1.5	2.9	6.5	6.6	5.98%	1M 9D	1M 12D
Edelweiss Liquid Fund Growth	₹3,440.69 ↑ 0.16	₹10,214	5,000	0.5	1.5	2.9	6.5	6.5	5.92%	1M 2D	1M 2D
Canara Robeco Liquid Growth	₹3,237.74 ↑ 0.10	₹6,249	5,000	0.5	1.4	2.9	6.5	6.5	5.86%	28D	30D
UTI Liquid Cash Plan Growth	₹4,413.31 ↑ 0.34	₹24,570	500	0.5	1.5	2.9	6.5	6.5	6%	1M 11D	1M 11D
Tata Liquid Fund Growth	₹4,236.88 ↑ 0.30	₹22,790	5,000	0.5	1.5	2.9	6.5	6.5	6.04%	1M 15D	1M 15D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Axis Liquid Fund	Edelweiss Liquid Fund	Canara Robeco Liquid	UTI Liquid Cash Plan	Tata Liquid Fund
Point 1	Highest AUM (₹37,358 Cr).	Bottom quartile AUM (₹10,214 Cr).	Bottom quartile AUM (₹6,249 Cr).	Upper mid AUM (₹24,570 Cr).	Lower mid AUM (₹22,790 Cr).
Point 2	Established history (16+ yrs).	Established history (18+ yrs).	Established history (17+ yrs).	Oldest track record among peers (22 yrs).	Established history (21+ yrs).
Point 3	Top rated.	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 6.52% (top quartile).	1Y return: 6.51% (upper mid).	1Y return: 6.50% (lower mid).	1Y return: 6.50% (bottom quartile).	1Y return: 6.49% (bottom quartile).
Point 6	1M return: 0.50% (upper mid).	1M return: 0.50% (top quartile).	1M return: 0.50% (lower mid).	1M return: 0.50% (bottom quartile).	1M return: 0.50% (bottom quartile).
Point 7	Sharpe: 3.40 (upper mid).	Sharpe: 3.62 (top quartile).	Sharpe: 3.09 (bottom quartile).	Sharpe: 3.07 (bottom quartile).	Sharpe: 3.10 (lower mid).
Point 8	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.31 (top quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 5.98% (lower mid).	Yield to maturity (debt): 5.92% (bottom quartile).	Yield to maturity (debt): 5.86% (bottom quartile).	Yield to maturity (debt): 6.00% (upper mid).	Yield to maturity (debt): 6.04% (top quartile).
Point 10	Modified duration: 0.11 yrs (lower mid).	Modified duration: 0.09 yrs (upper mid).	Modified duration: 0.08 yrs (top quartile).	Modified duration: 0.12 yrs (bottom quartile).	Modified duration: 0.13 yrs (bottom quartile).

Axis Liquid Fund

Highest AUM (₹37,358 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.52% (top quartile).
1M return: 0.50% (upper mid).
Sharpe: 3.40 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 5.98% (lower mid).
Modified duration: 0.11 yrs (lower mid).

Edelweiss Liquid Fund

Bottom quartile AUM (₹10,214 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.51% (upper mid).
1M return: 0.50% (top quartile).
Sharpe: 3.62 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 5.92% (bottom quartile).
Modified duration: 0.09 yrs (upper mid).

Canara Robeco Liquid

Bottom quartile AUM (₹6,249 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.50% (lower mid).
1M return: 0.50% (lower mid).
Sharpe: 3.09 (bottom quartile).
Information ratio: 0.31 (top quartile).
Yield to maturity (debt): 5.86% (bottom quartile).
Modified duration: 0.08 yrs (top quartile).

UTI Liquid Cash Plan

Upper mid AUM (₹24,570 Cr).
Oldest track record among peers (22 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.50% (bottom quartile).
1M return: 0.50% (bottom quartile).
Sharpe: 3.07 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.00% (upper mid).
Modified duration: 0.12 yrs (bottom quartile).

Tata Liquid Fund

Lower mid AUM (₹22,790 Cr).
Established history (21+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.49% (bottom quartile).
1M return: 0.50% (bottom quartile).
Sharpe: 3.10 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.04% (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	₹104.58 ↓ -0.01	₹9,227	5,000	0.4	1.1	6.5	7.6	6.8	7.17%	6Y 18D	17Y 9M 11D
Axis Gilt Fund Growth	₹25.7929 ↑ 0.01	₹599	5,000	0.1	0.5	5	7.4	5.2	6.99%	8Y 8M 5D	21Y 3M 4D
DSP Government Securities Fund Growth	₹96.1389 ↑ 0.05	₹1,345	1,000	-0.6	0.3	4.1	7.1	4.5	7.36%	11Y 1M 20D	30Y 10M 20D
Bandhan Government Securities Fund - Investment Plan Growth	₹35.4003 ↑ 0.02	₹2,275	5,000	0.5	0.5	3.6	7	3.7	6.09%	2Y 10M 20D	3Y 8M 1D
SBI Magnum Gilt Fund Growth	₹66.3149 ↑ 0.02	₹10,897	5,000	-0.2	0.2	4.2	6.9	4.5	6.9%	7Y 11M 19D	14Y 7D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Gilt Fund	Axis Gilt Fund	DSP Government Securities Fund	Bandhan Government Securities Fund - Investment Plan	SBI Magnum Gilt Fund
Point 1	Upper mid AUM (₹9,227 Cr).	Bottom quartile AUM (₹599 Cr).	Bottom quartile AUM (₹1,345 Cr).	Lower mid AUM (₹2,275 Cr).	Highest AUM (₹10,897 Cr).
Point 2	Oldest track record among peers (26 yrs).	Established history (13+ yrs).	Established history (26+ yrs).	Established history (17+ yrs).	Established history (25+ yrs).
Point 3	Top rated.	Rating: 1★ (bottom quartile).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 6.51% (top quartile).	1Y return: 5.05% (upper mid).	1Y return: 4.10% (bottom quartile).	1Y return: 3.61% (bottom quartile).	1Y return: 4.19% (lower mid).
Point 6	1M return: 0.33% (top quartile).	1M return: 0.10% (lower mid).	1M return: 0.28% (upper mid).	1M return: -0.31% (bottom quartile).	1M return: -0.40% (bottom quartile).
Point 7	Sharpe: 0.18 (top quartile).	Sharpe: -0.19 (upper mid).	Sharpe: -0.40 (bottom quartile).	Sharpe: -0.34 (bottom quartile).	Sharpe: -0.23 (lower mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.17% (upper mid).	Yield to maturity (debt): 6.99% (lower mid).	Yield to maturity (debt): 7.36% (top quartile).	Yield to maturity (debt): 6.09% (bottom quartile).	Yield to maturity (debt): 6.90% (bottom quartile).
Point 10	Modified duration: 6.05 yrs (upper mid).	Modified duration: 8.68 yrs (bottom quartile).	Modified duration: 11.14 yrs (bottom quartile).	Modified duration: 2.89 yrs (top quartile).	Modified duration: 7.97 yrs (lower mid).

ICICI Prudential Gilt Fund

Upper mid AUM (₹9,227 Cr).
Oldest track record among peers (26 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 6.51% (top quartile).
1M return: 0.33% (top quartile).
Sharpe: 0.18 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.17% (upper mid).
Modified duration: 6.05 yrs (upper mid).

Axis Gilt Fund

Bottom quartile AUM (₹599 Cr).
Established history (13+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.05% (upper mid).
1M return: 0.10% (lower mid).
Sharpe: -0.19 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.99% (lower mid).
Modified duration: 8.68 yrs (bottom quartile).

DSP Government Securities Fund

Bottom quartile AUM (₹1,345 Cr).
Established history (26+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 4.10% (bottom quartile).
1M return: 0.28% (upper mid).
Sharpe: -0.40 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.36% (top quartile).
Modified duration: 11.14 yrs (bottom quartile).

Bandhan Government Securities Fund - Investment Plan

Lower mid AUM (₹2,275 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 3.61% (bottom quartile).
1M return: -0.31% (bottom quartile).
Sharpe: -0.34 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.09% (bottom quartile).
Modified duration: 2.89 yrs (top quartile).

SBI Magnum Gilt Fund

Highest AUM (₹10,897 Cr).
Established history (25+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 4.19% (lower mid).
1M return: -0.40% (bottom quartile).
Sharpe: -0.23 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.90% (bottom quartile).
Modified duration: 7.97 yrs (lower mid).

Top 5 Lump sum Corporate Bond Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
BNP Paribas Corporate Bond Fund Growth	₹28.3309 ↓ -0.01	₹492	5,000	1	2.4	8.1	7.8	8.3	6.76%	3Y 8M 8D	5Y 7D
ICICI Prudential Corporate Bond Fund Growth	₹30.7841 ↓ 0.00	₹34,549	5,000	1.3	2.7	7.8	7.8	8	6.89%	2Y 10M 13D	5Y 4M 20D
Nippon India Prime Debt Fund Growth	₹61.6646 ↑ 0.00	₹10,633	1,000	0.8	2	7.5	7.7	7.8	6.95%	3Y 8M 23D	5Y 1M 10D
Franklin India Corporate Debt Fund Growth	₹102.752 ↓ -0.06	₹1,309	10,000	1.2	2.5	8.8	7.7	9.1	7.01%	2Y 6M 29D	6Y 4M 28D
Aditya Birla Sun Life Corporate Bond Fund Growth	₹115.834 ↓ -0.03	₹30,119	1,000	1	2.1	7.1	7.7	7.4	6.98%	4Y 9M 14D	7Y 4M 2D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	BNP Paribas Corporate Bond Fund	ICICI Prudential Corporate Bond Fund	Nippon India Prime Debt Fund	Franklin India Corporate Debt Fund	Aditya Birla Sun Life Corporate Bond Fund
Point 1	Bottom quartile AUM (₹492 Cr).	Highest AUM (₹34,549 Cr).	Lower mid AUM (₹10,633 Cr).	Bottom quartile AUM (₹1,309 Cr).	Upper mid AUM (₹30,119 Cr).
Point 2	Established history (17+ yrs).	Established history (16+ yrs).	Established history (25+ yrs).	Oldest track record among peers (28 yrs).	Established history (28+ yrs).
Point 3	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 2★ (bottom quartile).	Top rated.
Point 4	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	1Y return: 8.14% (upper mid).	1Y return: 7.78% (lower mid).	1Y return: 7.51% (bottom quartile).	1Y return: 8.82% (top quartile).	1Y return: 7.14% (bottom quartile).
Point 6	1M return: -0.11% (lower mid).	1M return: 0.12% (upper mid).	1M return: -0.20% (bottom quartile).	1M return: 0.24% (top quartile).	1M return: -0.15% (bottom quartile).
Point 7	Sharpe: 1.45 (upper mid).	Sharpe: 1.64 (top quartile).	Sharpe: 1.11 (bottom quartile).	Sharpe: 1.32 (lower mid).	Sharpe: 0.87 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.76% (bottom quartile).	Yield to maturity (debt): 6.89% (bottom quartile).	Yield to maturity (debt): 6.95% (lower mid).	Yield to maturity (debt): 7.01% (top quartile).	Yield to maturity (debt): 6.98% (upper mid).
Point 10	Modified duration: 3.69 yrs (lower mid).	Modified duration: 2.87 yrs (upper mid).	Modified duration: 3.73 yrs (bottom quartile).	Modified duration: 2.58 yrs (top quartile).	Modified duration: 4.79 yrs (bottom quartile).

BNP Paribas Corporate Bond Fund

Bottom quartile AUM (₹492 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.14% (upper mid).
1M return: -0.11% (lower mid).
Sharpe: 1.45 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.76% (bottom quartile).
Modified duration: 3.69 yrs (lower mid).

ICICI Prudential Corporate Bond Fund

Highest AUM (₹34,549 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.78% (lower mid).
1M return: 0.12% (upper mid).
Sharpe: 1.64 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.89% (bottom quartile).
Modified duration: 2.87 yrs (upper mid).

Nippon India Prime Debt Fund

Lower mid AUM (₹10,633 Cr).
Established history (25+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.51% (bottom quartile).
1M return: -0.20% (bottom quartile).
Sharpe: 1.11 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.95% (lower mid).
Modified duration: 3.73 yrs (bottom quartile).

Franklin India Corporate Debt Fund

Bottom quartile AUM (₹1,309 Cr).
Oldest track record among peers (28 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.82% (top quartile).
1M return: 0.24% (top quartile).
Sharpe: 1.32 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.01% (top quartile).
Modified duration: 2.58 yrs (top quartile).

Aditya Birla Sun Life Corporate Bond Fund

Upper mid AUM (₹30,119 Cr).
Established history (28+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.14% (bottom quartile).
1M return: -0.15% (bottom quartile).
Sharpe: 0.87 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.98% (upper mid).
Modified duration: 4.79 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	₹50.8334 ↑ 0.00	₹209	1,000	1.1	2.1	21	14.7	21	7.1%	2Y 4M 17D	3Y 3M 14D
Aditya Birla Sun Life Credit Risk Fund Growth	₹24.1106 ↓ 0.00	₹1,096	1,000	5.1	7.5	17.1	12	13.4	7.62%	2Y 3M 18D	3Y 29D
Franklin India Credit Risk Fund Growth	₹25.3348 ↑ 0.04	₹104	5,000	2.9	5	7.5	11		0%
Invesco India Credit Risk Fund Growth	₹1,985.55 ↓ -0.30	₹155	5,000	1.3	2.4	9.3	9.4	9.2	6.94%	2Y 3M 25D	3Y 22D
ICICI Prudential Regular Savings Fund Growth	₹33.2536 ↑ 0.03	₹5,930	10,000	1.8	4.1	9.4	8.4	9.5	8.13%	1Y 11M 1D	2Y 11M 23D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP Credit Risk Fund	Aditya Birla Sun Life Credit Risk Fund	Franklin India Credit Risk Fund	Invesco India Credit Risk Fund	ICICI Prudential Regular Savings Fund
Point 1	Lower mid AUM (₹209 Cr).	Upper mid AUM (₹1,096 Cr).	Bottom quartile AUM (₹104 Cr).	Bottom quartile AUM (₹155 Cr).	Highest AUM (₹5,930 Cr).
Point 2	Oldest track record among peers (22 yrs).	Established history (10+ yrs).	Established history (14+ yrs).	Established history (11+ yrs).	Established history (15+ yrs).
Point 3	Top rated.	Not Rated.	Rating: 1★ (lower mid).	Rating: 4★ (upper mid).	Rating: 1★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 20.96% (top quartile).	1Y return: 17.12% (upper mid).	1Y return: 7.45% (bottom quartile).	1Y return: 9.26% (bottom quartile).	1Y return: 9.41% (lower mid).
Point 6	1M return: 0.22% (lower mid).	1M return: 3.56% (top quartile).	1M return: 0.91% (upper mid).	1M return: 0.20% (bottom quartile).	1M return: 0.21% (bottom quartile).
Point 7	Sharpe: 1.55 (lower mid).	Sharpe: 2.11 (upper mid).	Sharpe: 0.29 (bottom quartile).	Sharpe: 1.29 (bottom quartile).	Sharpe: 2.99 (top quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.10% (lower mid).	Yield to maturity (debt): 7.62% (upper mid).	Yield to maturity (debt): 0.00% (bottom quartile).	Yield to maturity (debt): 6.94% (bottom quartile).	Yield to maturity (debt): 8.13% (top quartile).
Point 10	Modified duration: 2.38 yrs (bottom quartile).	Modified duration: 2.30 yrs (lower mid).	Modified duration: 0.00 yrs (top quartile).	Modified duration: 2.32 yrs (bottom quartile).	Modified duration: 1.92 yrs (upper mid).

DSP Credit Risk Fund

Lower mid AUM (₹209 Cr).
Oldest track record among peers (22 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 20.96% (top quartile).
1M return: 0.22% (lower mid).
Sharpe: 1.55 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.10% (lower mid).
Modified duration: 2.38 yrs (bottom quartile).

Aditya Birla Sun Life Credit Risk Fund

Upper mid AUM (₹1,096 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 17.12% (upper mid).
1M return: 3.56% (top quartile).
Sharpe: 2.11 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.62% (upper mid).
Modified duration: 2.30 yrs (lower mid).

Franklin India Credit Risk Fund

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

Invesco India Credit Risk Fund

Bottom quartile AUM (₹155 Cr).
Established history (11+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 9.26% (bottom quartile).
1M return: 0.20% (bottom quartile).
Sharpe: 1.29 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.94% (bottom quartile).
Modified duration: 2.32 yrs (bottom quartile).

ICICI Prudential Regular Savings Fund

Highest AUM (₹5,930 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 9.41% (lower mid).
1M return: 0.21% (bottom quartile).
Sharpe: 2.99 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.13% (top quartile).
Modified duration: 1.92 yrs (upper mid).

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

Top 5 Lump sum Balanced Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
UTI Multi Asset Fund Growth	₹79.9831 ↑ 0.12	₹6,551	5,000	5.4	6.7	11.4	20.4	15	11.1
ICICI Prudential Equity and Debt Fund Growth	₹414.08 ↑ 0.30	₹49,223	5,000	3.1	5	13.5	19.9	21.5	13.3
ICICI Prudential Multi-Asset Fund Growth	₹824.901 ↑ 0.68	₹75,067	5,000	5	8.3	18.1	19.8	21.4	18.6
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹39.03 ↑ 0.07	₹1,321	5,000	2.2	0.7	1.3	19.1	19.4	-0.9
SBI Multi Asset Allocation Fund Growth	₹21.0655 ↑ 0.01	₹12,466	5,000	6.5	10.2	18.6	18.6	14.4	18.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Multi Asset Fund	ICICI Prudential Equity and Debt Fund	ICICI Prudential Multi-Asset Fund	BOI AXA Mid and Small Cap Equity and Debt Fund	SBI Multi Asset Allocation Fund
Point 1	Bottom quartile AUM (₹6,551 Cr).	Upper mid AUM (₹49,223 Cr).	Highest AUM (₹75,067 Cr).	Bottom quartile AUM (₹1,321 Cr).	Lower mid AUM (₹12,466 Cr).
Point 2	Established history (17+ yrs).	Oldest track record among peers (26 yrs).	Established history (23+ yrs).	Established history (9+ yrs).	Established history (20+ yrs).
Point 3	Rating: 1★ (bottom quartile).	Top rated.	Rating: 2★ (lower mid).	Not Rated.	Rating: 4★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.
Point 5	5Y return: 15.02% (bottom quartile).	5Y return: 21.49% (top quartile).	5Y return: 21.43% (upper mid).	5Y return: 19.38% (lower mid).	5Y return: 14.39% (bottom quartile).
Point 6	3Y return: 20.40% (top quartile).	3Y return: 19.87% (upper mid).	3Y return: 19.82% (lower mid).	3Y return: 19.14% (bottom quartile).	3Y return: 18.58% (bottom quartile).
Point 7	1Y return: 11.41% (bottom quartile).	1Y return: 13.54% (lower mid).	1Y return: 18.08% (upper mid).	1Y return: 1.33% (bottom quartile).	1Y return: 18.65% (top quartile).
Point 8	1M return: 0.68% (bottom quartile).	1M return: 0.37% (bottom quartile).	1M return: 1.34% (lower mid).	1M return: 3.48% (top quartile).	1M return: 2.24% (upper mid).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 4.08 (top quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.48 (bottom quartile).	Sharpe: 0.65 (lower mid).	Sharpe: 1.32 (top quartile).	Sharpe: -0.30 (bottom quartile).	Sharpe: 1.17 (upper mid).

UTI Multi Asset Fund

Bottom quartile AUM (₹6,551 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.02% (bottom quartile).
3Y return: 20.40% (top quartile).
1Y return: 11.41% (bottom quartile).
1M return: 0.68% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.48 (bottom quartile).

ICICI Prudential Equity and Debt Fund

Upper mid AUM (₹49,223 Cr).
Oldest track record among peers (26 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 21.49% (top quartile).
3Y return: 19.87% (upper mid).
1Y return: 13.54% (lower mid).
1M return: 0.37% (bottom quartile).
Alpha: 4.08 (top quartile).
Sharpe: 0.65 (lower mid).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹75,067 Cr).
Established history (23+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 21.43% (upper mid).
3Y return: 19.82% (lower mid).
1Y return: 18.08% (upper mid).
1M return: 1.34% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 1.32 (top quartile).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,321 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 19.38% (lower mid).
3Y return: 19.14% (bottom quartile).
1Y return: 1.33% (bottom quartile).
1M return: 3.48% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.30 (bottom quartile).

SBI Multi Asset Allocation Fund

Lower mid AUM (₹12,466 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
5Y return: 14.39% (bottom quartile).
3Y return: 18.58% (bottom quartile).
1Y return: 18.65% (top quartile).
1M return: 2.24% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.17 (upper mid).

Top 5 Lump sum Aggressive Hybrid Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
ICICI Prudential Equity and Debt Fund Growth	₹414.08 ↑ 0.30	₹49,223	5,000	3.1	5	13.5	19.9	21.5	13.3
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹39.03 ↑ 0.07	₹1,321	5,000	2.2	0.7	1.3	19.1	19.4	-0.9
JM Equity Hybrid Fund Growth	₹120.331 ↑ 0.07	₹811	5,000	-0.8	-1.8	-1.8	18.4	16.4	-3.1
UTI Hybrid Equity Fund Growth	₹419.442 ↓ -0.02	₹6,718	1,000	4.1	2.1	7.1	17.1	16.6	6.4
DSP Equity and Bond Fund Growth	₹364.164 ↓ -0.64	₹12,105	1,000	1.8	0.8	6.8	16.8	13.3	6.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Equity and Debt Fund	BOI AXA Mid and Small Cap Equity and Debt Fund	JM Equity Hybrid Fund	UTI Hybrid Equity Fund	DSP Equity and Bond Fund
Point 1	Highest AUM (₹49,223 Cr).	Bottom quartile AUM (₹1,321 Cr).	Bottom quartile AUM (₹811 Cr).	Lower mid AUM (₹6,718 Cr).	Upper mid AUM (₹12,105 Cr).
Point 2	Established history (26+ yrs).	Established history (9+ yrs).	Established history (30+ yrs).	Oldest track record among peers (31 yrs).	Established history (26+ yrs).
Point 3	Top rated.	Not Rated.	Rating: 1★ (bottom quartile).	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 21.49% (top quartile).	5Y return: 19.38% (upper mid).	5Y return: 16.42% (bottom quartile).	5Y return: 16.64% (lower mid).	5Y return: 13.32% (bottom quartile).
Point 6	3Y return: 19.87% (top quartile).	3Y return: 19.14% (upper mid).	3Y return: 18.40% (lower mid).	3Y return: 17.08% (bottom quartile).	3Y return: 16.81% (bottom quartile).
Point 7	1Y return: 13.54% (top quartile).	1Y return: 1.33% (bottom quartile).	1Y return: -1.77% (bottom quartile).	1Y return: 7.05% (upper mid).	1Y return: 6.76% (lower mid).
Point 8	1M return: 0.37% (upper mid).	1M return: 3.48% (top quartile).	1M return: -0.17% (bottom quartile).	1M return: 0.34% (lower mid).	1M return: -0.20% (bottom quartile).
Point 9	Alpha: 4.08 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: -9.12 (bottom quartile).	Alpha: -1.95 (bottom quartile).	Alpha: -1.73 (lower mid).
Point 10	Sharpe: 0.65 (top quartile).	Sharpe: -0.30 (bottom quartile).	Sharpe: -0.55 (bottom quartile).	Sharpe: 0.00 (lower mid).	Sharpe: 0.00 (upper mid).

ICICI Prudential Equity and Debt Fund

Highest AUM (₹49,223 Cr).
Established history (26+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 21.49% (top quartile).
3Y return: 19.87% (top quartile).
1Y return: 13.54% (top quartile).
1M return: 0.37% (upper mid).
Alpha: 4.08 (top quartile).
Sharpe: 0.65 (top quartile).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,321 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 19.38% (upper mid).
3Y return: 19.14% (upper mid).
1Y return: 1.33% (bottom quartile).
1M return: 3.48% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.30 (bottom quartile).

JM Equity Hybrid Fund

Bottom quartile AUM (₹811 Cr).
Established history (30+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.42% (bottom quartile).
3Y return: 18.40% (lower mid).
1Y return: -1.77% (bottom quartile).
1M return: -0.17% (bottom quartile).
Alpha: -9.12 (bottom quartile).
Sharpe: -0.55 (bottom quartile).

UTI Hybrid Equity Fund

Lower mid AUM (₹6,718 Cr).
Oldest track record among peers (31 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 16.64% (lower mid).
3Y return: 17.08% (bottom quartile).
1Y return: 7.05% (upper mid).
1M return: 0.34% (lower mid).
Alpha: -1.95 (bottom quartile).
Sharpe: 0.00 (lower mid).

DSP Equity and Bond Fund

Upper mid AUM (₹12,105 Cr).
Established history (26+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.32% (bottom quartile).
3Y return: 16.81% (bottom quartile).
1Y return: 6.76% (lower mid).
1M return: -0.20% (bottom quartile).
Alpha: -1.73 (lower mid).
Sharpe: 0.00 (upper mid).

Top 5 Lump sum Conservative Hybrid Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
UTI Multi Asset Fund Growth	₹79.9831 ↑ 0.12	₹6,551	5,000	5.4	6.7	11.4	20.4	15	11.1
ICICI Prudential Equity and Debt Fund Growth	₹414.08 ↑ 0.30	₹49,223	5,000	3.1	5	13.5	19.9	21.5	13.3
ICICI Prudential Multi-Asset Fund Growth	₹824.901 ↑ 0.68	₹75,067	5,000	5	8.3	18.1	19.8	21.4	18.6
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹39.03 ↑ 0.07	₹1,321	5,000	2.2	0.7	1.3	19.1	19.4	-0.9
SBI Multi Asset Allocation Fund Growth	₹21.0655 ↑ 0.01	₹12,466	5,000	6.5	10.2	18.6	18.6	14.4	18.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Multi Asset Fund	ICICI Prudential Equity and Debt Fund	ICICI Prudential Multi-Asset Fund	BOI AXA Mid and Small Cap Equity and Debt Fund	SBI Multi Asset Allocation Fund
Point 1	Bottom quartile AUM (₹6,551 Cr).	Upper mid AUM (₹49,223 Cr).	Highest AUM (₹75,067 Cr).	Bottom quartile AUM (₹1,321 Cr).	Lower mid AUM (₹12,466 Cr).
Point 2	Established history (17+ yrs).	Oldest track record among peers (26 yrs).	Established history (23+ yrs).	Established history (9+ yrs).	Established history (20+ yrs).
Point 3	Rating: 1★ (bottom quartile).	Top rated.	Rating: 2★ (lower mid).	Not Rated.	Rating: 4★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.
Point 5	5Y return: 15.02% (bottom quartile).	5Y return: 21.49% (top quartile).	5Y return: 21.43% (upper mid).	5Y return: 19.38% (lower mid).	5Y return: 14.39% (bottom quartile).
Point 6	3Y return: 20.40% (top quartile).	3Y return: 19.87% (upper mid).	3Y return: 19.82% (lower mid).	3Y return: 19.14% (bottom quartile).	3Y return: 18.58% (bottom quartile).
Point 7	1Y return: 11.41% (bottom quartile).	1Y return: 13.54% (lower mid).	1Y return: 18.08% (upper mid).	1Y return: 1.33% (bottom quartile).	1Y return: 18.65% (top quartile).
Point 8	1M return: 0.68% (bottom quartile).	1M return: 0.37% (bottom quartile).	1M return: 1.34% (lower mid).	1M return: 3.48% (top quartile).	1M return: 2.24% (upper mid).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 4.08 (top quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.48 (bottom quartile).	Sharpe: 0.65 (lower mid).	Sharpe: 1.32 (top quartile).	Sharpe: -0.30 (bottom quartile).	Sharpe: 1.17 (upper mid).

UTI Multi Asset Fund

Bottom quartile AUM (₹6,551 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.02% (bottom quartile).
3Y return: 20.40% (top quartile).
1Y return: 11.41% (bottom quartile).
1M return: 0.68% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.48 (bottom quartile).

ICICI Prudential Equity and Debt Fund

Upper mid AUM (₹49,223 Cr).
Oldest track record among peers (26 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 21.49% (top quartile).
3Y return: 19.87% (upper mid).
1Y return: 13.54% (lower mid).
1M return: 0.37% (bottom quartile).
Alpha: 4.08 (top quartile).
Sharpe: 0.65 (lower mid).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹75,067 Cr).
Established history (23+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 21.43% (upper mid).
3Y return: 19.82% (lower mid).
1Y return: 18.08% (upper mid).
1M return: 1.34% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 1.32 (top quartile).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,321 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 19.38% (lower mid).
3Y return: 19.14% (bottom quartile).
1Y return: 1.33% (bottom quartile).
1M return: 3.48% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.30 (bottom quartile).

SBI Multi Asset Allocation Fund

Lower mid AUM (₹12,466 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
5Y return: 14.39% (bottom quartile).
3Y return: 18.58% (bottom quartile).
1Y return: 18.65% (top quartile).
1M return: 2.24% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.17 (upper mid).

Top 5 Lump sum Arbitrage Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
SBI Arbitrage Opportunities Fund Growth	₹34.8419 ↑ 0.01	₹41,083	5,000	1.6	2.9	6.4	7.2	6	6.5
UTI Arbitrage Fund Growth	₹36.121 ↑ 0.01	₹10,720	5,000	1.6	2.9	6.4	7.1	5.9	6.5
Invesco India Arbitrage Fund Growth	₹32.8856 ↓ 0.00	₹27,562	5,000	1.7	3	6.4	7.1	6	6.5
ICICI Prudential Equity Arbitrage Fund Growth	₹35.3404 ↑ 0.01	₹32,623	5,000	1.6	2.9	6.3	7.1	5.9	6.5
Aditya Birla Sun Life Arbitrage Fund Growth	₹27.3648 ↑ 0.01	₹25,267	1,000	1.6	2.9	6.3	7	5.8	6.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	SBI Arbitrage Opportunities Fund	UTI Arbitrage Fund	Invesco India Arbitrage Fund	ICICI Prudential Equity Arbitrage Fund	Aditya Birla Sun Life Arbitrage Fund
Point 1	Highest AUM (₹41,083 Cr).	Bottom quartile AUM (₹10,720 Cr).	Lower mid AUM (₹27,562 Cr).	Upper mid AUM (₹32,623 Cr).	Bottom quartile AUM (₹25,267 Cr).
Point 2	Oldest track record among peers (19 yrs).	Established history (19+ yrs).	Established history (18+ yrs).	Established history (19+ yrs).	Established history (16+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Top rated.	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: 6.04% (top quartile).	5Y return: 5.89% (lower mid).	5Y return: 6.04% (upper mid).	5Y return: 5.87% (bottom quartile).	5Y return: 5.82% (bottom quartile).
Point 6	3Y return: 7.17% (top quartile).	3Y return: 7.14% (upper mid).	3Y return: 7.13% (lower mid).	3Y return: 7.05% (bottom quartile).	3Y return: 7.02% (bottom quartile).
Point 7	1Y return: 6.44% (top quartile).	1Y return: 6.43% (upper mid).	1Y return: 6.36% (lower mid).	1Y return: 6.35% (bottom quartile).	1Y return: 6.34% (bottom quartile).
Point 8	1M return: 0.57% (bottom quartile).	1M return: 0.58% (upper mid).	1M return: 0.60% (top quartile).	1M return: 0.57% (lower mid).	1M return: 0.57% (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: 1.23 (top quartile).	Sharpe: 1.22 (upper mid).	Sharpe: 1.03 (lower mid).	Sharpe: 0.89 (bottom quartile).	Sharpe: 0.83 (bottom quartile).

SBI Arbitrage Opportunities Fund

Highest AUM (₹41,083 Cr).
Oldest track record among peers (19 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
5Y return: 6.04% (top quartile).
3Y return: 7.17% (top quartile).
1Y return: 6.44% (top quartile).
1M return: 0.57% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: 1.23 (top quartile).

UTI Arbitrage Fund

Bottom quartile AUM (₹10,720 Cr).
Established history (19+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
5Y return: 5.89% (lower mid).
3Y return: 7.14% (upper mid).
1Y return: 6.43% (upper mid).
1M return: 0.58% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 1.22 (upper mid).

Invesco India Arbitrage Fund

Lower mid AUM (₹27,562 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
5Y return: 6.04% (upper mid).
3Y return: 7.13% (lower mid).
1Y return: 6.36% (lower mid).
1M return: 0.60% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 1.03 (lower mid).

ICICI Prudential Equity Arbitrage Fund

Upper mid AUM (₹32,623 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 5.87% (bottom quartile).
3Y return: 7.05% (bottom quartile).
1Y return: 6.35% (bottom quartile).
1M return: 0.57% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.89 (bottom quartile).

Aditya Birla Sun Life Arbitrage Fund

Bottom quartile AUM (₹25,267 Cr).
Established history (16+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
5Y return: 5.82% (bottom quartile).
3Y return: 7.02% (bottom quartile).
1Y return: 6.34% (bottom quartile).
1M return: 0.57% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.83 (bottom quartile).

Top 5 Lump sum Dynamic Allocation Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Axis Dynamic Equity Fund Growth	₹21.73 ↓ -0.01	₹3,810	5,000	3.5	2.9	7.2	15.1	11.6	7
ICICI Prudential Balanced Advantage Fund Growth	₹78.16 ↑ 0.09	₹69,868	5,000	3.5	5.2	12.4	14	12.7	12.2
Aditya Birla Sun Life Balanced Advantage Fund Growth	₹110.34 ↑ 0.02	₹8,800	1,000	3.3	2.6	10.3	13.4	11.3	10.1
Edelweiss Balanced Advantage Fund Growth	₹53.07 ↑ 0.02	₹13,411	1,000	3.6	3.5	7.7	13.3	11.6	7
DSP Dynamic Asset Allocation Fund Growth	₹28.593 ↓ 0.00	₹3,690	1,000	2.9	3.8	8.7	13	9.3	8.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Axis Dynamic Equity Fund	ICICI Prudential Balanced Advantage Fund	Aditya Birla Sun Life Balanced Advantage Fund	Edelweiss Balanced Advantage Fund	DSP Dynamic Asset Allocation Fund
Point 1	Bottom quartile AUM (₹3,810 Cr).	Highest AUM (₹69,868 Cr).	Lower mid AUM (₹8,800 Cr).	Upper mid AUM (₹13,411 Cr).	Bottom quartile AUM (₹3,690 Cr).
Point 2	Established history (8+ yrs).	Established history (19+ yrs).	Oldest track record among peers (25 yrs).	Established history (16+ yrs).	Established history (11+ yrs).
Point 3	Not Rated.	Top rated.	Rating: 3★ (upper mid).	Rating: 2★ (lower mid).	Rating: 1★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.
Point 5	5Y return: 11.58% (lower mid).	5Y return: 12.72% (top quartile).	5Y return: 11.33% (bottom quartile).	5Y return: 11.60% (upper mid).	5Y return: 9.29% (bottom quartile).
Point 6	3Y return: 15.15% (top quartile).	3Y return: 14.02% (upper mid).	3Y return: 13.41% (lower mid).	3Y return: 13.35% (bottom quartile).	3Y return: 13.00% (bottom quartile).
Point 7	1Y return: 7.20% (bottom quartile).	1Y return: 12.44% (top quartile).	1Y return: 10.26% (upper mid).	1Y return: 7.72% (bottom quartile).	1Y return: 8.74% (lower mid).
Point 8	1M return: 0.46% (bottom quartile).	1M return: 0.62% (upper mid).	1M return: 0.49% (bottom quartile).	1M return: 1.09% (top quartile).	1M return: 0.49% (lower mid).
Point 9	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.07 (bottom quartile).	Sharpe: 0.82 (top quartile).	Sharpe: 0.34 (upper mid).	Sharpe: 0.07 (bottom quartile).	Sharpe: 0.33 (lower mid).

Axis Dynamic Equity Fund

Bottom quartile AUM (₹3,810 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.58% (lower mid).
3Y return: 15.15% (top quartile).
1Y return: 7.20% (bottom quartile).
1M return: 0.46% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.07 (bottom quartile).

ICICI Prudential Balanced Advantage Fund

Highest AUM (₹69,868 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 12.72% (top quartile).
3Y return: 14.02% (upper mid).
1Y return: 12.44% (top quartile).
1M return: 0.62% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.82 (top quartile).

Aditya Birla Sun Life Balanced Advantage Fund

Lower mid AUM (₹8,800 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 11.33% (bottom quartile).
3Y return: 13.41% (lower mid).
1Y return: 10.26% (upper mid).
1M return: 0.49% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.34 (upper mid).

Edelweiss Balanced Advantage Fund

Upper mid AUM (₹13,411 Cr).
Established history (16+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 11.60% (upper mid).
3Y return: 13.35% (bottom quartile).
1Y return: 7.72% (bottom quartile).
1M return: 1.09% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.07 (bottom quartile).

DSP Dynamic Asset Allocation Fund

Bottom quartile AUM (₹3,690 Cr).
Established history (11+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
5Y return: 9.29% (bottom quartile).
3Y return: 13.00% (bottom quartile).
1Y return: 8.74% (lower mid).
1M return: 0.49% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.33 (lower mid).

Top 5 Lump sum Multi Asset Allocation Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
UTI Multi Asset Fund Growth	₹79.9831 ↑ 0.12	₹6,551	5,000	5.4	6.7	11.4	20.4	15	11.1
ICICI Prudential Multi-Asset Fund Growth	₹824.901 ↑ 0.68	₹75,067	5,000	5	8.3	18.1	19.8	21.4	18.6
SBI Multi Asset Allocation Fund Growth	₹21.0655 ↑ 0.01	₹12,466	5,000	6.5	10.2	18.6	18.6	14.4	18.6
Edelweiss Multi Asset Allocation Fund Growth	₹65.26 ↑ 0.01	₹3,413	5,000	2	1.5	6.6	17.2	16.1	6
Axis Triple Advantage Fund Growth	₹44.8382 ↑ 0.08	₹1,786	5,000	6.2	11.7	17.4	15.7	11.8	15.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Multi Asset Fund	ICICI Prudential Multi-Asset Fund	SBI Multi Asset Allocation Fund	Edelweiss Multi Asset Allocation Fund	Axis Triple Advantage Fund
Point 1	Lower mid AUM (₹6,551 Cr).	Highest AUM (₹75,067 Cr).	Upper mid AUM (₹12,466 Cr).	Bottom quartile AUM (₹3,413 Cr).	Bottom quartile AUM (₹1,786 Cr).
Point 2	Established history (17+ yrs).	Oldest track record among peers (23 yrs).	Established history (20+ yrs).	Established history (16+ yrs).	Established history (15+ yrs).
Point 3	Rating: 1★ (bottom quartile).	Rating: 2★ (upper mid).	Top rated.	Rating: 1★ (bottom quartile).	Rating: 2★ (lower mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 15.02% (lower mid).	5Y return: 21.43% (top quartile).	5Y return: 14.39% (bottom quartile).	5Y return: 16.14% (upper mid).	5Y return: 11.79% (bottom quartile).
Point 6	3Y return: 20.40% (top quartile).	3Y return: 19.82% (upper mid).	3Y return: 18.58% (lower mid).	3Y return: 17.17% (bottom quartile).	3Y return: 15.71% (bottom quartile).
Point 7	1Y return: 11.41% (bottom quartile).	1Y return: 18.08% (upper mid).	1Y return: 18.65% (top quartile).	1Y return: 6.57% (bottom quartile).	1Y return: 17.39% (lower mid).
Point 8	1M return: 0.68% (bottom quartile).	1M return: 1.34% (lower mid).	1M return: 2.24% (upper mid).	1M return: 0.96% (bottom quartile).	1M return: 3.01% (top quartile).
Point 9	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: -0.39 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.48 (bottom quartile).	Sharpe: 1.32 (top quartile).	Sharpe: 1.17 (upper mid).	Sharpe: 0.15 (bottom quartile).	Sharpe: 0.73 (lower mid).

UTI Multi Asset Fund

Lower mid AUM (₹6,551 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.02% (lower mid).
3Y return: 20.40% (top quartile).
1Y return: 11.41% (bottom quartile).
1M return: 0.68% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.48 (bottom quartile).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹75,067 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 21.43% (top quartile).
3Y return: 19.82% (upper mid).
1Y return: 18.08% (upper mid).
1M return: 1.34% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 1.32 (top quartile).

SBI Multi Asset Allocation Fund

Upper mid AUM (₹12,466 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 14.39% (bottom quartile).
3Y return: 18.58% (lower mid).
1Y return: 18.65% (top quartile).
1M return: 2.24% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 1.17 (upper mid).

Edelweiss Multi Asset Allocation Fund

Bottom quartile AUM (₹3,413 Cr).
Established history (16+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.14% (upper mid).
3Y return: 17.17% (bottom quartile).
1Y return: 6.57% (bottom quartile).
1M return: 0.96% (bottom quartile).
Alpha: -0.39 (bottom quartile).
Sharpe: 0.15 (bottom quartile).

Axis Triple Advantage Fund

Bottom quartile AUM (₹1,786 Cr).
Established history (15+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 11.79% (bottom quartile).
3Y return: 15.71% (bottom quartile).
1Y return: 17.39% (lower mid).
1M return: 3.01% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.73 (lower mid).

Top 5 Lump sum Equity Savings Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Kotak Equity Savings Fund Growth	₹27.3495 ↓ -0.03	₹9,422	5,000	1.9	4.7	8.4	11.8	10.6	7.9
SBI Equity Savings Fund Growth	₹24.4214 ↑ 0.03	₹5,997	1,000	1.6	1.1	5.2	11.6	9.5	5
Edelweiss Equity Savings Fund Growth	₹26.1548 ↑ 0.02	₹1,106	5,000	1.8	3.4	8	11.6	9.7	8
Axis Equity Saver Fund Growth	₹22.8	₹931	5,000	2.2	2.9	5.8	10.6	8.6	5.4
HDFC Equity Savings Fund Growth	₹68.129 ↑ 0.01	₹5,904	5,000	2.3	3.1	7.3	10.5	10.5	6.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Kotak Equity Savings Fund	SBI Equity Savings Fund	Edelweiss Equity Savings Fund	Axis Equity Saver Fund	HDFC Equity Savings Fund
Point 1	Highest AUM (₹9,422 Cr).	Upper mid AUM (₹5,997 Cr).	Bottom quartile AUM (₹1,106 Cr).	Bottom quartile AUM (₹931 Cr).	Lower mid AUM (₹5,904 Cr).
Point 2	Established history (11+ yrs).	Established history (10+ yrs).	Established history (11+ yrs).	Established history (10+ yrs).	Oldest track record among peers (21 yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Top rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 10.56% (top quartile).	5Y return: 9.47% (bottom quartile).	5Y return: 9.65% (lower mid).	5Y return: 8.63% (bottom quartile).	5Y return: 10.51% (upper mid).
Point 6	3Y return: 11.76% (top quartile).	3Y return: 11.56% (upper mid).	3Y return: 11.55% (lower mid).	3Y return: 10.65% (bottom quartile).	3Y return: 10.52% (bottom quartile).
Point 7	1Y return: 8.44% (top quartile).	1Y return: 5.23% (bottom quartile).	1Y return: 7.99% (upper mid).	1Y return: 5.75% (bottom quartile).	1Y return: 7.30% (lower mid).
Point 8	1M return: 0.55% (upper mid).	1M return: 0.03% (bottom quartile).	1M return: 0.74% (top quartile).	1M return: 0.26% (bottom quartile).	1M return: 0.51% (lower mid).
Point 9	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.17 (upper mid).	Sharpe: -0.05 (bottom quartile).	Sharpe: 0.72 (top quartile).	Sharpe: -0.11 (bottom quartile).	Sharpe: 0.03 (lower mid).

Kotak Equity Savings Fund

Highest AUM (₹9,422 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 10.56% (top quartile).
3Y return: 11.76% (top quartile).
1Y return: 8.44% (top quartile).
1M return: 0.55% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 0.17 (upper mid).

SBI Equity Savings Fund

Upper mid AUM (₹5,997 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 9.47% (bottom quartile).
3Y return: 11.56% (upper mid).
1Y return: 5.23% (bottom quartile).
1M return: 0.03% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.05 (bottom quartile).

Edelweiss Equity Savings Fund

Bottom quartile AUM (₹1,106 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 9.65% (lower mid).
3Y return: 11.55% (lower mid).
1Y return: 7.99% (upper mid).
1M return: 0.74% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.72 (top quartile).

Axis Equity Saver Fund

Bottom quartile AUM (₹931 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 8.63% (bottom quartile).
3Y return: 10.65% (bottom quartile).
1Y return: 5.75% (bottom quartile).
1M return: 0.26% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.11 (bottom quartile).

HDFC Equity Savings Fund

Lower mid AUM (₹5,904 Cr).
Oldest track record among peers (21 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 10.51% (upper mid).
3Y return: 10.52% (bottom quartile).
1Y return: 7.30% (lower mid).
1M return: 0.51% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.03 (lower 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	₹52.077 ↓ -0.06	₹7,055	5,000	2.6	1.5	6.5	18.5	20.2	5.2
ICICI Prudential Child Care Plan (Gift) Growth	₹332.85 ↓ -0.33	₹1,424	5,000	1.4	-0.8	9.8	18.3	15.6	8.3
HDFC Retirement Savings Fund - Hybrid - Equity Plan Growth	₹39.687 ↓ -0.06	₹1,748	5,000	2.4	1.4	6.4	14.8	14.3	5.4
Tata Retirement Savings Fund - Progressive Growth	₹65.6303 ↑ 0.40	₹2,129	5,000	1	-3	-0.8	15.8	12.4	-1.2
Tata Retirement Savings Fund-Moderate Growth	₹65.1352 ↑ 0.37	₹2,191	5,000	1.2	-1.6	1.7	14.8	11.8	1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Jan 26

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 (₹7,055 Cr).	Bottom quartile AUM (₹1,424 Cr).	Bottom quartile AUM (₹1,748 Cr).	Lower mid AUM (₹2,129 Cr).	Upper mid AUM (₹2,191 Cr).
Point 2	Established history (9+ yrs).	Oldest track record among peers (24 yrs).	Established history (9+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).
Point 3	Not Rated.	Rating: 2★ (lower mid).	Not Rated.	Top rated.	Rating: 5★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 20.22% (top quartile).	5Y return: 15.58% (upper mid).	5Y return: 14.27% (lower mid).	5Y return: 12.35% (bottom quartile).	5Y return: 11.84% (bottom quartile).
Point 6	3Y return: 18.50% (top quartile).	3Y return: 18.33% (upper mid).	3Y return: 14.83% (bottom quartile).	3Y return: 15.76% (lower mid).	3Y return: 14.81% (bottom quartile).
Point 7	1Y return: 6.55% (upper mid).	1Y return: 9.82% (top quartile).	1Y return: 6.43% (lower mid).	1Y return: -0.77% (bottom quartile).	1Y return: 1.72% (bottom quartile).
Point 8	1M return: 0.52% (top quartile).	1M return: 0.49% (upper mid).	1M return: 0.40% (lower mid).	1M return: -0.43% (bottom quartile).	1M return: -0.29% (bottom quartile).
Point 9	Alpha: -1.82 (bottom quartile).	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: -5.96 (bottom quartile).	Alpha: 0.00 (lower mid).
Point 10	Sharpe: -0.06 (upper mid).	Sharpe: 0.16 (top quartile).	Sharpe: -0.14 (lower mid).	Sharpe: -0.26 (bottom quartile).	Sharpe: -0.21 (bottom quartile).

HDFC Retirement Savings Fund - Equity Plan

Highest AUM (₹7,055 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 20.22% (top quartile).
3Y return: 18.50% (top quartile).
1Y return: 6.55% (upper mid).
1M return: 0.52% (top quartile).
Alpha: -1.82 (bottom quartile).
Sharpe: -0.06 (upper mid).

ICICI Prudential Child Care Plan (Gift)

Bottom quartile AUM (₹1,424 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 15.58% (upper mid).
3Y return: 18.33% (upper mid).
1Y return: 9.82% (top quartile).
1M return: 0.49% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 0.16 (top quartile).

HDFC Retirement Savings Fund - Hybrid - Equity Plan

Bottom quartile AUM (₹1,748 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 14.27% (lower mid).
3Y return: 14.83% (bottom quartile).
1Y return: 6.43% (lower mid).
1M return: 0.40% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.14 (lower mid).

Tata Retirement Savings Fund - Progressive

Lower mid AUM (₹2,129 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 12.35% (bottom quartile).
3Y return: 15.76% (lower mid).
1Y return: -0.77% (bottom quartile).
1M return: -0.43% (bottom quartile).
Alpha: -5.96 (bottom quartile).
Sharpe: -0.26 (bottom quartile).

Tata Retirement Savings Fund-Moderate

Upper mid AUM (₹2,191 Cr).
Established history (14+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 11.84% (bottom quartile).
3Y return: 14.81% (bottom quartile).
1Y return: 1.72% (bottom quartile).
1M return: -0.29% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.21 (bottom quartile).

Best Lump sum Mutual Fund on 1 Month Performance

1. 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 (₹181 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 16.31% (lower mid).
3Y return: 18.91% (lower mid).
1Y return: 83.34% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 1.75 (upper mid).
Information ratio: 0.00 (top quartile).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding BGF World Mining I2 (~99.3%).
Top-3 holdings concentration ~100.6%.

Below is the key information for DSP World Mining Fund

DSP World Mining Fund Growth
Launch Date	29 Dec 09
NAV (06 Jan 26)	₹28.2759 ↑ 0.40 (1.43 %)
Net Assets (Cr)	₹181 on 30 Nov 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.14
Sharpe Ratio	1.75
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 Dec 20	₹10,000
31 Dec 21	₹11,803
31 Dec 22	₹13,238
31 Dec 23	₹13,240
31 Dec 24	₹12,171
31 Dec 25	₹21,791

DSP World Mining Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 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 6 Jan 26

Duration	Returns
1 Month	11.6%
3 Month	20.7%
6 Month	59.8%
1 Year	83.3%
3 Year	18.9%
5 Year	16.3%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for DSP World Mining Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	12.76 Yr.

Data below for DSP World Mining Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Basic Materials	96.07%
Energy	1.35%

Asset Allocation

Asset Class	Value
Cash	2.51%
Equity	97.49%
Debt	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Mining I2 Investment Fund \| -	99%	₹180 Cr	193,620
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	1%	₹2 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹1 Cr

2. 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

Highest AUM (₹1,689 Cr).
Oldest track record among peers (18 yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 22.23% (top quartile).
3Y return: 47.55% (top quartile).
1Y return: 169.41% (top quartile).
Alpha: -4.29 (lower mid).
Sharpe: 2.51 (top quartile).
Information ratio: -1.02 (bottom quartile).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding BGF World Gold I2 (~73.8%).
Top-3 holdings concentration ~100.4%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (06 Jan 26)	₹55.3828 ↑ 0.67 (1.23 %)
Net Assets (Cr)	₹1,689 on 30 Nov 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	2.51
Information Ratio	-1.02
Alpha Ratio	-4.29
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 Dec 20	₹10,000
31 Dec 21	₹9,101
31 Dec 22	₹8,405
31 Dec 23	₹8,991
31 Dec 24	₹10,424
31 Dec 25	₹27,842

DSP World Gold 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 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 6 Jan 26

Duration	Returns
1 Month	11.5%
3 Month	19.9%
6 Month	80.1%
1 Year	169.4%
3 Year	47.5%
5 Year	22.2%
10 Year
15 Year
Since launch	9.8%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for DSP World Gold Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	12.76 Yr.

Data below for DSP World Gold Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Basic Materials	93.58%

Asset Allocation

Asset Class	Value
Cash	3.5%
Equity	93.84%
Debt	0.01%
Other	2.64%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	74%	₹1,246 Cr	1,278,985 ↓ -68,948
VanEck Gold Miners ETF - \| GDX	25%	₹427 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	1%	₹24 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹8 Cr

3. DSP Natural Resources and New Energy Fund

To seek to generate capital appreciation and provide long term growth opportunities by investing in equity and equity related securities of companies domiciled in India whose predominant economic activity is in the (a) discovery, development, production, or distribution of natural resources, viz., energy, mining etc; (b) alternative energy and energy technology sectors, with emphasis given to renewable energy, automotive and on-site power generation, energy storage and enabling energy technologies. also invest a certain portion of its corpus in the equity and equity related securities of companies domiciled overseas, which are principally engaged in the discovery, development, production or distribution of natural resources and alternative energy and/or the units shares of Merrill Lynch international Investment Funds New Energy Fund, Merrill Lynch International Investment Funds World Energy Fund and similar other overseas mutual fund schemes.

Research Highlights for DSP Natural Resources and New Energy Fund

Upper mid AUM (₹1,467 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: High.
5Y return: 21.67% (upper mid).
3Y return: 21.14% (upper mid).
1Y return: 20.66% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.10 (bottom quartile).
Information ratio: 0.00 (upper mid).
Higher exposure to Energy vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Oil & Natural Gas Corp Ltd (~9.1%).

Below is the key information for DSP Natural Resources and New Energy Fund

DSP Natural Resources and New Energy Fund Growth
Launch Date	25 Apr 08
NAV (06 Jan 26)	₹102.401 ↑ 0.40 (0.39 %)
Net Assets (Cr)	₹1,467 on 30 Nov 25
Category	Equity - Sectoral
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.99
Sharpe Ratio	0.1
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 Dec 20	₹10,000
31 Dec 21	₹14,280
31 Dec 22	₹15,680
31 Dec 23	₹20,570
31 Dec 24	₹23,429
31 Dec 25	₹27,530

DSP Natural Resources and New Energy Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033 Invest Now

Returns for DSP Natural Resources and New Energy Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Jan 26

Duration	Returns
1 Month	7.2%
3 Month	8.6%
6 Month	12.7%
1 Year	20.7%
3 Year	21.1%
5 Year	21.7%
10 Year
15 Year
Since launch	14%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	17.5%
2023	13.9%
2022	31.2%
2021	9.8%
2020	42.8%
2019	11.5%
2018	4.4%
2017	-15.3%
2016	43.1%
2015	43.1%

Fund Manager information for DSP Natural Resources and New Energy Fund

Name	Since	Tenure
Rohit Singhania	1 Jul 12	13.43 Yr.

Data below for DSP Natural Resources and New Energy Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Energy	42.53%
Basic Materials	39.64%
Utility	9.3%
Industrials	2.36%
Technology	1.78%
Consumer Cyclical	0.06%

Asset Allocation

Asset Class	Value
Cash	4.32%
Equity	95.68%
Debt	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 31 May 20 \| 500312	9%	₹133 Cr	5,470,562 ↑ 143,662
Jindal Steel Ltd (Basic Materials) Equity, Since 31 Mar 20 \| JINDALSTEL	9%	₹130 Cr	1,244,187
Tata Steel Ltd (Basic Materials) Equity, Since 31 Aug 16 \| TATASTEEL	9%	₹125 Cr	7,456,242
BGF Sustainable Energy I2 Investment Fund \| -	6%	₹94 Cr	443,474
BGF World Energy I2 Investment Fund \| -	6%	₹94 Cr	334,870
Hindalco Industries Ltd (Basic Materials) Equity, Since 31 Oct 15 \| HINDALCO	5%	₹77 Cr	952,790
Hindustan Zinc Ltd (Basic Materials) Equity, Since 31 Mar 09 \| HINDZINC	5%	₹74 Cr	1,516,403
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 08 \| BPCL	5%	₹72 Cr	1,998,861 ↓ -204,000
National Aluminium Co Ltd (Basic Materials) Equity, Since 28 Feb 22 \| NATIONALUM	4%	₹63 Cr	2,439,055
Petronet LNG Ltd (Energy) Equity, Since 31 Jan 18 \| PETRONET	4%	₹62 Cr	2,278,481 ↑ 828,529

4. PGIM India Euro Equity Fund

(Erstwhile DHFL Pramerica Top Euroland Offshore Fund)

The primary investment objective of the scheme is to generate long-term capital growth from a diversified portfolio of units of overseas mutual funds.

Research Highlights for PGIM India Euro Equity Fund

Lower mid AUM (₹978 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 1.28% (bottom quartile).
3Y return: 18.12% (bottom quartile).
1Y return: 22.90% (lower mid).
1M return: 7.05% (bottom quartile).
Alpha: -9.73 (bottom quartile).
Sharpe: 1.10 (lower mid).
Information ratio: -0.33 (lower mid).
Higher exposure to Technology vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding PGIM Jennison Emerging Mkts Eq USD W Acc (~98.3%).
Top-3 holdings concentration ~100.0%.

Below is the key information for PGIM India Euro Equity Fund

PGIM India Euro Equity Fund Growth
Launch Date	11 Sep 07
NAV (06 Jan 26)	₹19.43 ↑ 0.17 (0.88 %)
Net Assets (Cr)	₹978 on 30 Nov 25
Category	Others - Fund of Fund
AMC	Pramerica Asset Managers Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.63
Sharpe Ratio	1.1
Information Ratio	-0.33
Alpha Ratio	-9.73
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹9,808
31 Dec 22	₹6,317
31 Dec 23	₹7,242
31 Dec 24	₹8,737
31 Dec 25	₹10,333

PGIM India Euro Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹315,615.
Net Profit of ₹15,615 Invest Now

Returns for PGIM India Euro Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Jan 26

Duration	Returns
1 Month	7.1%
3 Month	5%
6 Month	16.9%
1 Year	22.9%
3 Year	18.1%
5 Year	1.3%
10 Year
15 Year
Since launch	3.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	18.3%
2023	20.6%
2022	14.6%
2021	-35.6%
2020	-1.9%
2019	20.5%
2018	21.4%
2017	-10.3%
2016	14.6%
2015	-6.7%

Fund Manager information for PGIM India Euro Equity Fund

Name	Since	Tenure
Anandha Padmanabhan Anjeneyan	15 Feb 25	0.79 Yr.
Vivek Sharma	15 Feb 25	0.79 Yr.

Data below for PGIM India Euro Equity Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	3.44%
Equity	96.56%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
PGIM Jennison Emerging Mkts Eq USD W Acc Investment Fund \| -	98%	₹962 Cr	891,289 ↑ 111,497
Clearing Corporation Of India Ltd. CBLO/Reverse Repo \| -	2%	₹16 Cr
Net Receivables / (Payables) Net Current Assets \| -	0%	₹1 Cr

Case Study: Lump Sum vs SIP

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

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

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

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Tips to Invest Lump Sum in 2025

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

FAQs on Lump Sum Mutual Funds

Q1. Is lump sum better than SIP?

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

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

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

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

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

Q4. Which category is best for lump sum?

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

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

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

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