5 Best Performing Lump sum Investments 2025 - 2026

Updated on September 27, 2025 , 155094 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	₹90.765 ↑ 0.09	₹45,012	5,000	-1.4	8.7	-2.1	20.6	25	18.2
ICICI Prudential Bluechip Fund Growth	₹109.85 ↓ -0.09	₹71,840	5,000	-2	6.7	-3.5	19.5	21.9	16.9
DSP TOP 100 Equity Growth	₹466.866 ↑ 0.54	₹6,398	1,000	-3	4.2	-3.8	18.4	18.7	20.5
Invesco India Largecap Fund Growth	₹68.65 ↑ 0.22	₹1,555	5,000	-3.4	8.8	-4.8	17.7	18.8	20
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jul 23

Research Highlights & Commentary of 5 Funds showcased

Commentary	IDBI India Top 100 Equity Fund	Nippon India Large Cap Fund	ICICI Prudential Bluechip Fund	DSP TOP 100 Equity	Invesco India Largecap Fund
Point 1	Bottom quartile AUM (₹655 Cr).	Upper mid AUM (₹45,012 Cr).	Highest AUM (₹71,840 Cr).	Lower mid AUM (₹6,398 Cr).	Bottom quartile AUM (₹1,555 Cr).
Point 2	Established history (13+ yrs).	Established history (18+ yrs).	Established history (17+ yrs).	Oldest track record among peers (22 yrs).	Established history (16+ yrs).
Point 3	Rating: 3★ (lower mid).	Top rated.	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 12.61% (bottom quartile).	5Y return: 24.99% (top quartile).	5Y return: 21.87% (upper mid).	5Y return: 18.67% (bottom quartile).	5Y return: 18.84% (lower mid).
Point 6	3Y return: 21.88% (top quartile).	3Y return: 20.59% (upper mid).	3Y return: 19.47% (lower mid).	3Y return: 18.38% (bottom quartile).	3Y return: 17.70% (bottom quartile).
Point 7	1Y return: 15.39% (top quartile).	1Y return: -2.11% (upper mid).	1Y return: -3.48% (lower mid).	1Y return: -3.76% (bottom quartile).	1Y return: -4.80% (bottom quartile).
Point 8	Alpha: 2.11 (upper mid).	Alpha: 2.49 (top quartile).	Alpha: 1.67 (bottom quartile).	Alpha: -0.52 (bottom quartile).	Alpha: 1.96 (lower mid).
Point 9	Sharpe: 1.09 (top quartile).	Sharpe: -0.40 (upper mid).	Sharpe: -0.51 (bottom quartile).	Sharpe: -0.64 (bottom quartile).	Sharpe: -0.50 (lower mid).
Point 10	Information ratio: 0.14 (bottom quartile).	Information ratio: 1.96 (top quartile).	Information ratio: 1.64 (upper mid).	Information ratio: 0.83 (lower mid).	Information ratio: 0.70 (bottom quartile).

IDBI India Top 100 Equity Fund

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

Nippon India Large Cap Fund

Upper mid AUM (₹45,012 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 24.99% (top quartile).
3Y return: 20.59% (upper mid).
1Y return: -2.11% (upper mid).
Alpha: 2.49 (top quartile).
Sharpe: -0.40 (upper mid).
Information ratio: 1.96 (top quartile).

ICICI Prudential Bluechip Fund

Highest AUM (₹71,840 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 21.87% (upper mid).
3Y return: 19.47% (lower mid).
1Y return: -3.48% (lower mid).
Alpha: 1.67 (bottom quartile).
Sharpe: -0.51 (bottom quartile).
Information ratio: 1.64 (upper mid).

DSP TOP 100 Equity

Lower mid AUM (₹6,398 Cr).
Oldest track record among peers (22 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 18.67% (bottom quartile).
3Y return: 18.38% (bottom quartile).
1Y return: -3.76% (bottom quartile).
Alpha: -0.52 (bottom quartile).
Sharpe: -0.64 (bottom quartile).
Information ratio: 0.83 (lower mid).

Invesco India Largecap Fund

Bottom quartile AUM (₹1,555 Cr).
Established history (16+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 18.84% (lower mid).
3Y return: 17.70% (bottom quartile).
1Y return: -4.80% (bottom quartile).
Alpha: 1.96 (lower mid).
Sharpe: -0.50 (lower mid).
Information ratio: 0.70 (bottom quartile).

About the Fincash Research Team

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

Who We Are

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

Our Expertise

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

Our Research Process

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

Why Trust Us

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

Disclaimer

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

Ready to Invest?
Talk to our investment specialist

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	₹98.7303 ↓ -0.79	₹34,780	5,000	-4.6	6.6	-8.2	24.9	31.9	57.1
Edelweiss Mid Cap Fund Growth	₹98.698 ↑ 0.07	₹11,297	5,000	-4.2	9.8	-3.8	24	28.3	38.9
Invesco India Mid Cap Fund Growth	₹177.44 ↑ 0.56	₹8,062	5,000	-1.6	16	2.4	27.3	27	43.1
ICICI Prudential MidCap Fund Growth	₹292.59 ↑ 0.67	₹6,492	5,000	-3.4	12.9	-3.6	21.6	25.8	27
Sundaram Mid Cap Fund Growth	₹1,363.8 ↑ 6.12	₹12,501	5,000	-1.6	10.4	-4.8	23.1	25.8	32
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Motilal Oswal Midcap 30 Fund	Edelweiss Mid Cap Fund	Invesco India Mid Cap Fund	ICICI Prudential MidCap Fund	Sundaram Mid Cap Fund
Point 1	Highest AUM (₹34,780 Cr).	Lower mid AUM (₹11,297 Cr).	Bottom quartile AUM (₹8,062 Cr).	Bottom quartile AUM (₹6,492 Cr).	Upper mid AUM (₹12,501 Cr).
Point 2	Established history (11+ yrs).	Established history (17+ yrs).	Established history (18+ yrs).	Established history (20+ yrs).	Oldest track record among peers (23 yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Rating: 2★ (bottom quartile).	Top rated.
Point 4	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 31.86% (top quartile).	5Y return: 28.32% (upper mid).	5Y return: 26.98% (lower mid).	5Y return: 25.83% (bottom quartile).	5Y return: 25.79% (bottom quartile).
Point 6	3Y return: 24.92% (upper mid).	3Y return: 24.02% (lower mid).	3Y return: 27.30% (top quartile).	3Y return: 21.61% (bottom quartile).	3Y return: 23.09% (bottom quartile).
Point 7	1Y return: -8.20% (bottom quartile).	1Y return: -3.76% (lower mid).	1Y return: 2.42% (top quartile).	1Y return: -3.55% (upper mid).	1Y return: -4.78% (bottom quartile).
Point 8	Alpha: 4.99 (top quartile).	Alpha: 3.95 (upper mid).	Alpha: 0.00 (bottom quartile).	Alpha: 3.29 (lower mid).	Alpha: 2.99 (bottom quartile).
Point 9	Sharpe: -0.18 (upper mid).	Sharpe: -0.28 (lower mid).	Sharpe: 0.14 (top quartile).	Sharpe: -0.32 (bottom quartile).	Sharpe: -0.33 (bottom quartile).
Point 10	Information ratio: 0.57 (top quartile).	Information ratio: 0.39 (upper mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: -0.16 (bottom quartile).	Information ratio: 0.22 (lower mid).

Motilal Oswal Midcap 30 Fund

Highest AUM (₹34,780 Cr).
Established history (11+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 31.86% (top quartile).
3Y return: 24.92% (upper mid).
1Y return: -8.20% (bottom quartile).
Alpha: 4.99 (top quartile).
Sharpe: -0.18 (upper mid).
Information ratio: 0.57 (top quartile).

Edelweiss Mid Cap Fund

Lower mid AUM (₹11,297 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 28.32% (upper mid).
3Y return: 24.02% (lower mid).
1Y return: -3.76% (lower mid).
Alpha: 3.95 (upper mid).
Sharpe: -0.28 (lower mid).
Information ratio: 0.39 (upper mid).

Invesco India Mid Cap Fund

Bottom quartile AUM (₹8,062 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 26.98% (lower mid).
3Y return: 27.30% (top quartile).
1Y return: 2.42% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.14 (top quartile).
Information ratio: 0.00 (bottom quartile).

ICICI Prudential MidCap Fund

Bottom quartile AUM (₹6,492 Cr).
Established history (20+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 25.83% (bottom quartile).
3Y return: 21.61% (bottom quartile).
1Y return: -3.55% (upper mid).
Alpha: 3.29 (lower mid).
Sharpe: -0.32 (bottom quartile).
Information ratio: -0.16 (bottom quartile).

Sundaram Mid Cap Fund

Upper mid AUM (₹12,501 Cr).
Oldest track record among peers (23 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 25.79% (bottom quartile).
3Y return: 23.09% (bottom quartile).
1Y return: -4.78% (bottom quartile).
Alpha: 2.99 (bottom quartile).
Sharpe: -0.33 (bottom quartile).
Information ratio: 0.22 (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	₹139.127 ↓ -1.33	₹36,294	5,000	-0.4	14.7	-1.9	23	29.6	20.4
Franklin India Smaller Companies Fund Growth	₹164.688 ↓ -1.12	₹13,302	5,000	-5.9	8.6	-11.5	21.7	28.1	23.2
ICICI Prudential Smallcap Fund Growth	₹86.4 ↓ -0.50	₹8,441	5,000	-2	12.3	-6.6	17.6	27.2	15.6
IDBI Small Cap Fund Growth	₹30.0014 ↓ -0.05	₹604	5,000	-1.5	8.3	-11.5	18	27.1	40
Sundaram Small Cap Fund Growth	₹254.251 ↓ -1.16	₹3,282	5,000	-1.9	13.4	-6.1	20.2	27	19.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	HDFC Small Cap Fund	Franklin India Smaller Companies Fund	ICICI Prudential Smallcap Fund	IDBI Small Cap Fund	Sundaram Small Cap Fund
Point 1	Highest AUM (₹36,294 Cr).	Upper mid AUM (₹13,302 Cr).	Lower mid AUM (₹8,441 Cr).	Bottom quartile AUM (₹604 Cr).	Bottom quartile AUM (₹3,282 Cr).
Point 2	Established history (17+ yrs).	Established history (19+ yrs).	Established history (17+ yrs).	Established history (8+ yrs).	Oldest track record among peers (20 yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 3★ (lower mid).	Not Rated.	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 29.56% (top quartile).	5Y return: 28.07% (upper mid).	5Y return: 27.23% (lower mid).	5Y return: 27.11% (bottom quartile).	5Y return: 27.04% (bottom quartile).
Point 6	3Y return: 23.03% (top quartile).	3Y return: 21.71% (upper mid).	3Y return: 17.56% (bottom quartile).	3Y return: 17.98% (bottom quartile).	3Y return: 20.25% (lower mid).
Point 7	1Y return: -1.89% (top quartile).	1Y return: -11.48% (bottom quartile).	1Y return: -6.62% (lower mid).	1Y return: -11.46% (bottom quartile).	1Y return: -6.11% (upper mid).
Point 8	Alpha: 0.00 (lower mid).	Alpha: -5.08 (bottom quartile).	Alpha: 0.15 (upper mid).	Alpha: -4.61 (bottom quartile).	Alpha: 0.97 (top quartile).
Point 9	Sharpe: -0.33 (top quartile).	Sharpe: -0.76 (bottom quartile).	Sharpe: -0.49 (lower mid).	Sharpe: -0.70 (bottom quartile).	Sharpe: -0.47 (upper mid).
Point 10	Information ratio: 0.00 (upper mid).	Information ratio: 0.02 (top quartile).	Information ratio: -0.58 (bottom quartile).	Information ratio: -0.82 (bottom quartile).	Information ratio: -0.47 (lower mid).

HDFC Small Cap Fund

Highest AUM (₹36,294 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 29.56% (top quartile).
3Y return: 23.03% (top quartile).
1Y return: -1.89% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.33 (top quartile).
Information ratio: 0.00 (upper mid).

Franklin India Smaller Companies Fund

Upper mid AUM (₹13,302 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 28.07% (upper mid).
3Y return: 21.71% (upper mid).
1Y return: -11.48% (bottom quartile).
Alpha: -5.08 (bottom quartile).
Sharpe: -0.76 (bottom quartile).
Information ratio: 0.02 (top quartile).

ICICI Prudential Smallcap Fund

Lower mid AUM (₹8,441 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 27.23% (lower mid).
3Y return: 17.56% (bottom quartile).
1Y return: -6.62% (lower mid).
Alpha: 0.15 (upper mid).
Sharpe: -0.49 (lower mid).
Information ratio: -0.58 (bottom quartile).

IDBI Small Cap Fund

Bottom quartile AUM (₹604 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 27.11% (bottom quartile).
3Y return: 17.98% (bottom quartile).
1Y return: -11.46% (bottom quartile).
Alpha: -4.61 (bottom quartile).
Sharpe: -0.70 (bottom quartile).
Information ratio: -0.82 (bottom quartile).

Sundaram Small Cap Fund

Bottom quartile AUM (₹3,282 Cr).
Oldest track record among peers (20 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 27.04% (bottom quartile).
3Y return: 20.25% (lower mid).
1Y return: -6.11% (upper mid).
Alpha: 0.97 (top quartile).
Sharpe: -0.47 (upper mid).
Information ratio: -0.47 (lower mid).

Top 5 Lump sum Diversified/Multi Cap Equity Mutual Fund

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
HDFC Equity Fund Growth	₹2,002.56 ↓ -5.61	₹81,936	5,000	-0.2	8.5	1.4	23.9	29	23.5
JM Multicap Fund Growth	₹96.9629 ↑ 0.32	₹5,943	5,000	-2.5	6.5	-11.6	23.6	26.1	33.3
Nippon India Multi Cap Fund Growth	₹297.056 ↓ -0.07	₹46,216	5,000	-1.9	10.3	-3.8	22.9	30.2	25.8
IDBI Diversified Equity Fund Growth	₹37.99 ↑ 0.14	₹382	5,000	10.2	13.2	13.5	22.7	12
Motilal Oswal Multicap 35 Fund Growth	₹59.9391 ↓ -0.35	₹13,679	5,000	-4.7	5.1	-5.5	21.8	19	45.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	HDFC Equity Fund	JM Multicap Fund	Nippon India Multi Cap Fund	IDBI Diversified Equity Fund	Motilal Oswal Multicap 35 Fund
Point 1	Highest AUM (₹81,936 Cr).	Bottom quartile AUM (₹5,943 Cr).	Upper mid AUM (₹46,216 Cr).	Bottom quartile AUM (₹382 Cr).	Lower mid AUM (₹13,679 Cr).
Point 2	Oldest track record among peers (30 yrs).	Established history (17+ yrs).	Established history (20+ yrs).	Established history (11+ yrs).	Established history (11+ yrs).
Point 3	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 2★ (bottom quartile).	Top rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 29.00% (upper mid).	5Y return: 26.13% (lower mid).	5Y return: 30.21% (top quartile).	5Y return: 12.03% (bottom quartile).	5Y return: 19.02% (bottom quartile).
Point 6	3Y return: 23.90% (top quartile).	3Y return: 23.59% (upper mid).	3Y return: 22.91% (lower mid).	3Y return: 22.73% (bottom quartile).	3Y return: 21.80% (bottom quartile).
Point 7	1Y return: 1.41% (upper mid).	1Y return: -11.61% (bottom quartile).	1Y return: -3.82% (lower mid).	1Y return: 13.54% (top quartile).	1Y return: -5.48% (bottom quartile).
Point 8	Alpha: 4.96 (upper mid).	Alpha: -8.50 (bottom quartile).	Alpha: 3.10 (lower mid).	Alpha: -1.07 (bottom quartile).	Alpha: 9.76 (top quartile).
Point 9	Sharpe: -0.16 (lower mid).	Sharpe: -1.13 (bottom quartile).	Sharpe: -0.38 (bottom quartile).	Sharpe: 1.01 (top quartile).	Sharpe: -0.06 (upper mid).
Point 10	Information ratio: 1.74 (top quartile).	Information ratio: 1.09 (lower mid).	Information ratio: 1.10 (upper mid).	Information ratio: -0.53 (bottom quartile).	Information ratio: 0.79 (bottom quartile).

HDFC Equity Fund

Highest AUM (₹81,936 Cr).
Oldest track record among peers (30 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 29.00% (upper mid).
3Y return: 23.90% (top quartile).
1Y return: 1.41% (upper mid).
Alpha: 4.96 (upper mid).
Sharpe: -0.16 (lower mid).
Information ratio: 1.74 (top quartile).

JM Multicap Fund

Bottom quartile AUM (₹5,943 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 26.13% (lower mid).
3Y return: 23.59% (upper mid).
1Y return: -11.61% (bottom quartile).
Alpha: -8.50 (bottom quartile).
Sharpe: -1.13 (bottom quartile).
Information ratio: 1.09 (lower mid).

Nippon India Multi Cap Fund

Upper mid AUM (₹46,216 Cr).
Established history (20+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 30.21% (top quartile).
3Y return: 22.91% (lower mid).
1Y return: -3.82% (lower mid).
Alpha: 3.10 (lower mid).
Sharpe: -0.38 (bottom quartile).
Information ratio: 1.10 (upper mid).

IDBI Diversified Equity Fund

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

Motilal Oswal Multicap 35 Fund

Lower mid AUM (₹13,679 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 19.02% (bottom quartile).
3Y return: 21.80% (bottom quartile).
1Y return: -5.48% (bottom quartile).
Alpha: 9.76 (top quartile).
Sharpe: -0.06 (upper mid).
Information ratio: 0.79 (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 (%)
Motilal Oswal Long Term Equity Fund Growth	₹51.2023 ↓ -0.06	₹4,223	500	-2.9	12.1	-6.5	25.8	25.9	47.7
SBI Magnum Tax Gain Fund Growth	₹428.26 ↑ 0.34	₹29,937	500	-3.7	4.8	-6.7	24.8	24.8	27.7
HDFC Tax Saver Fund Growth	₹1,410.64 ↓ -4.95	₹16,525	500	-1.5	8	-1.4	22.6	25.4	21.3
IDBI Equity Advantage Fund Growth	₹43.39 ↑ 0.04	₹485	500	9.7	15.1	16.9	20.8	10
HDFC Long Term Advantage Fund Growth	₹595.168 ↑ 0.28	₹1,318	500	1.2	15.4	35.5	20.6	17.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Motilal Oswal Long Term Equity Fund	SBI Magnum Tax Gain Fund	HDFC Tax Saver Fund	IDBI Equity Advantage Fund	HDFC Long Term Advantage Fund
Point 1	Lower mid AUM (₹4,223 Cr).	Highest AUM (₹29,937 Cr).	Upper mid AUM (₹16,525 Cr).	Bottom quartile AUM (₹485 Cr).	Bottom quartile AUM (₹1,318 Cr).
Point 2	Established history (10+ yrs).	Established history (18+ yrs).	Oldest track record among peers (29 yrs).	Established history (12+ yrs).	Established history (24+ yrs).
Point 3	Not Rated.	Rating: 2★ (lower mid).	Rating: 2★ (bottom quartile).	Top rated.	Rating: 3★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 25.89% (top quartile).	5Y return: 24.85% (lower mid).	5Y return: 25.41% (upper mid).	5Y return: 9.97% (bottom quartile).	5Y return: 17.39% (bottom quartile).
Point 6	3Y return: 25.78% (top quartile).	3Y return: 24.76% (upper mid).	3Y return: 22.61% (lower mid).	3Y return: 20.84% (bottom quartile).	3Y return: 20.64% (bottom quartile).
Point 7	1Y return: -6.52% (bottom quartile).	1Y return: -6.72% (bottom quartile).	1Y return: -1.39% (lower mid).	1Y return: 16.92% (upper mid).	1Y return: 35.51% (top quartile).
Point 8	Alpha: 7.18 (top quartile).	Alpha: -2.40 (bottom quartile).	Alpha: 3.05 (upper mid).	Alpha: 1.78 (lower mid).	Alpha: 1.75 (bottom quartile).
Point 9	Sharpe: -0.26 (lower mid).	Sharpe: -0.83 (bottom quartile).	Sharpe: -0.35 (bottom quartile).	Sharpe: 1.21 (upper mid).	Sharpe: 2.27 (top quartile).
Point 10	Information ratio: 0.80 (lower mid).	Information ratio: 2.12 (top quartile).	Information ratio: 1.80 (upper mid).	Information ratio: -1.13 (bottom quartile).	Information ratio: -0.15 (bottom quartile).

Motilal Oswal Long Term Equity Fund

Lower mid AUM (₹4,223 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 25.89% (top quartile).
3Y return: 25.78% (top quartile).
1Y return: -6.52% (bottom quartile).
Alpha: 7.18 (top quartile).
Sharpe: -0.26 (lower mid).
Information ratio: 0.80 (lower mid).

SBI Magnum Tax Gain Fund

Highest AUM (₹29,937 Cr).
Established history (18+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 24.85% (lower mid).
3Y return: 24.76% (upper mid).
1Y return: -6.72% (bottom quartile).
Alpha: -2.40 (bottom quartile).
Sharpe: -0.83 (bottom quartile).
Information ratio: 2.12 (top quartile).

HDFC Tax Saver Fund

Upper mid AUM (₹16,525 Cr).
Oldest track record among peers (29 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 25.41% (upper mid).
3Y return: 22.61% (lower mid).
1Y return: -1.39% (lower mid).
Alpha: 3.05 (upper mid).
Sharpe: -0.35 (bottom quartile).
Information ratio: 1.80 (upper mid).

IDBI Equity Advantage Fund

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

HDFC Long Term Advantage Fund

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

Top 5 Lump sum Sector Equity Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
SBI PSU Fund Growth	₹32.0734 ↑ 0.43	₹5,179	5,000	-1	7.3	-5.9	33	32.1	23.5
Invesco India PSU Equity Fund Growth	₹63.23 ↑ 0.50	₹1,341	5,000	-2.8	9.9	-6	31.9	29.4	25.6
Franklin India Opportunities Fund Growth	₹253.839 ↓ -4.17	₹7,509	5,000	0.7	12.1	-2	29.7	28.9	37.3
ICICI Prudential Infrastructure Fund Growth	₹192.86 ↓ -0.07	₹7,645	5,000	-3.3	8.1	-4.8	29.3	36.6	27.4
HDFC Infrastructure Fund Growth	₹47.115 ↑ 0.04	₹2,483	5,000	-2.7	8.9	-6.3	28.9	34.1	23
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	SBI PSU Fund	Invesco India PSU Equity Fund	Franklin India Opportunities Fund	ICICI Prudential Infrastructure Fund	HDFC Infrastructure Fund
Point 1	Lower mid AUM (₹5,179 Cr).	Bottom quartile AUM (₹1,341 Cr).	Upper mid AUM (₹7,509 Cr).	Highest AUM (₹7,645 Cr).	Bottom quartile AUM (₹2,483 Cr).
Point 2	Established history (15+ yrs).	Established history (15+ yrs).	Oldest track record among peers (25 yrs).	Established history (20+ yrs).	Established history (17+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 32.07% (lower mid).	5Y return: 29.37% (bottom quartile).	5Y return: 28.93% (bottom quartile).	5Y return: 36.61% (top quartile).	5Y return: 34.13% (upper mid).
Point 6	3Y return: 32.97% (top quartile).	3Y return: 31.87% (upper mid).	3Y return: 29.69% (lower mid).	3Y return: 29.33% (bottom quartile).	3Y return: 28.85% (bottom quartile).
Point 7	1Y return: -5.85% (lower mid).	1Y return: -6.01% (bottom quartile).	1Y return: -1.96% (top quartile).	1Y return: -4.83% (upper mid).	1Y return: -6.26% (bottom quartile).
Point 8	Alpha: -0.35 (bottom quartile).	Alpha: 5.81 (top quartile).	Alpha: 2.40 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).
Point 9	Sharpe: -0.81 (bottom quartile).	Sharpe: -0.58 (lower mid).	Sharpe: -0.43 (top quartile).	Sharpe: -0.48 (upper mid).	Sharpe: -0.64 (bottom quartile).
Point 10	Information ratio: -0.37 (bottom quartile).	Information ratio: -0.46 (bottom quartile).	Information ratio: 1.75 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).

SBI PSU Fund

Lower mid AUM (₹5,179 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 32.07% (lower mid).
3Y return: 32.97% (top quartile).
1Y return: -5.85% (lower mid).
Alpha: -0.35 (bottom quartile).
Sharpe: -0.81 (bottom quartile).
Information ratio: -0.37 (bottom quartile).

Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,341 Cr).
Established history (15+ yrs).
Top rated.
Risk profile: High.
5Y return: 29.37% (bottom quartile).
3Y return: 31.87% (upper mid).
1Y return: -6.01% (bottom quartile).
Alpha: 5.81 (top quartile).
Sharpe: -0.58 (lower mid).
Information ratio: -0.46 (bottom quartile).

Franklin India Opportunities Fund

Upper mid AUM (₹7,509 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 28.93% (bottom quartile).
3Y return: 29.69% (lower mid).
1Y return: -1.96% (top quartile).
Alpha: 2.40 (upper mid).
Sharpe: -0.43 (top quartile).
Information ratio: 1.75 (top quartile).

ICICI Prudential Infrastructure Fund

Highest AUM (₹7,645 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 36.61% (top quartile).
3Y return: 29.33% (bottom quartile).
1Y return: -4.83% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.48 (upper mid).
Information ratio: 0.00 (upper mid).

HDFC Infrastructure Fund

Bottom quartile AUM (₹2,483 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 34.13% (upper mid).
3Y return: 28.85% (bottom quartile).
1Y return: -6.26% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.64 (bottom quartile).
Information ratio: 0.00 (lower mid).

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

Top 5 Lump sum Ultra Short Term Debt Mutual Funds

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

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹557.438 ↑ 0.27	₹21,521	1,000	1.6	3.8	7.9	7.5	7.9	6.76%	5M 8D	6M 11D
ICICI Prudential Ultra Short Term Fund Growth	₹28.1435 ↑ 0.01	₹16,980	5,000	1.6	3.6	7.4	7.2	7.5	6.66%	4M 20D	7M 2D
SBI Magnum Ultra Short Duration Fund Growth	₹6,067.04 ↑ 2.73	₹15,525	5,000	1.5	3.5	7.3	7.2	7.4	6.22%	5M 8D	6M
Invesco India Ultra Short Term Fund Growth	₹2,737.62 ↑ 1.33	₹1,330	5,000	1.5	3.4	7.2	7	7.5	6.35%	5M 16D	5M 28D
Kotak Savings Fund Growth	₹43.5151 ↑ 0.02	₹15,667	5,000	1.5	3.4	7.1	7	7.2	6.41%	5M 8D	5M 23D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Savings Fund	ICICI Prudential Ultra Short Term Fund	SBI Magnum Ultra Short Duration Fund	Invesco India Ultra Short Term Fund	Kotak Savings Fund
Point 1	Highest AUM (₹21,521 Cr).	Upper mid AUM (₹16,980 Cr).	Bottom quartile AUM (₹15,525 Cr).	Bottom quartile AUM (₹1,330 Cr).	Lower mid AUM (₹15,667 Cr).
Point 2	Established history (22+ yrs).	Established history (14+ yrs).	Oldest track record among peers (26 yrs).	Established history (14+ yrs).	Established history (21+ yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Low.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	1Y return: 7.88% (top quartile).	1Y return: 7.42% (upper mid).	1Y return: 7.29% (lower mid).	1Y return: 7.22% (bottom quartile).	1Y return: 7.13% (bottom quartile).
Point 6	1M return: 0.50% (top quartile).	1M return: 0.50% (upper mid).	1M return: 0.49% (lower mid).	1M return: 0.45% (bottom quartile).	1M return: 0.46% (bottom quartile).
Point 7	Sharpe: 3.66 (top quartile).	Sharpe: 2.88 (upper mid).	Sharpe: 2.74 (bottom quartile).	Sharpe: 2.79 (lower mid).	Sharpe: 2.02 (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% (top quartile).	Yield to maturity (debt): 6.66% (upper mid).	Yield to maturity (debt): 6.22% (bottom quartile).	Yield to maturity (debt): 6.35% (bottom quartile).	Yield to maturity (debt): 6.41% (lower mid).
Point 10	Modified duration: 0.44 yrs (upper mid).	Modified duration: 0.39 yrs (top quartile).	Modified duration: 0.44 yrs (lower mid).	Modified duration: 0.46 yrs (bottom quartile).	Modified duration: 0.44 yrs (bottom quartile).

Aditya Birla Sun Life Savings Fund

Highest AUM (₹21,521 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.88% (top quartile).
1M return: 0.50% (top quartile).
Sharpe: 3.66 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.76% (top quartile).
Modified duration: 0.44 yrs (upper mid).

ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹16,980 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.42% (upper mid).
1M return: 0.50% (upper mid).
Sharpe: 2.88 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.66% (upper mid).
Modified duration: 0.39 yrs (top quartile).

SBI Magnum Ultra Short Duration Fund

Bottom quartile AUM (₹15,525 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 7.29% (lower mid).
1M return: 0.49% (lower mid).
Sharpe: 2.74 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.22% (bottom quartile).
Modified duration: 0.44 yrs (lower mid).

Invesco India Ultra Short Term Fund

Bottom quartile AUM (₹1,330 Cr).
Established history (14+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.22% (bottom quartile).
1M return: 0.45% (bottom quartile).
Sharpe: 2.79 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.35% (bottom quartile).
Modified duration: 0.46 yrs (bottom quartile).

Kotak Savings Fund

Lower mid AUM (₹15,667 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.13% (bottom quartile).
1M return: 0.46% (bottom quartile).
Sharpe: 2.02 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.41% (lower mid).
Modified duration: 0.44 yrs (bottom quartile).

Top 5 Lump sum Short Term Debt Mutual Funds

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

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Sundaram Short Term Debt Fund Growth	₹36.3802 ↑ 0.01	₹362	5,000	0.8	11.4	12.8	5.3		4.52%	1Y 2M 13D	1Y 7M 3D
Axis Short Term Fund Growth	₹31.431 ↑ 0.00	₹12,129	5,000	1.4	4.1	8.4	7.7	8	6.89%	2Y 5M 23D	3Y 2M 12D
Nippon India Short Term Fund Growth	₹53.6202 ↓ -0.01	₹8,935	5,000	1.2	4	8.2	7.6	8	7.04%	2Y 6M 18D	3Y 2M 19D
ICICI Prudential Short Term Fund Growth	₹61.1628 ↑ 0.03	₹22,339	5,000	1.4	4	8.2	7.8	7.8	7.27%	2Y 7M 10D	4Y 10M 20D
SBI Short Term Debt Fund Growth	₹32.6402 ↑ 0.00	₹16,387	5,000	1.3	4	8.1	7.5	7.7	7.02%	2Y 9M 14D	3Y 5M 26D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Dec 21

Research Highlights & Commentary of 5 Funds showcased

Commentary	Sundaram Short Term Debt Fund	Axis Short Term Fund	Nippon India Short Term Fund	ICICI Prudential Short Term Fund	SBI Short Term Debt Fund
Point 1	Bottom quartile AUM (₹362 Cr).	Lower mid AUM (₹12,129 Cr).	Bottom quartile AUM (₹8,935 Cr).	Highest AUM (₹22,339 Cr).	Upper mid AUM (₹16,387 Cr).
Point 2	Oldest track record among peers (23 yrs).	Established history (15+ yrs).	Established history (22+ yrs).	Established history (23+ yrs).	Established history (18+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Top rated.	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	1Y return: 12.83% (top quartile).	1Y return: 8.38% (upper mid).	1Y return: 8.16% (lower mid).	1Y return: 8.15% (bottom quartile).	1Y return: 8.06% (bottom quartile).
Point 6	1M return: 0.20% (bottom quartile).	1M return: 0.61% (bottom quartile).	1M return: 0.61% (lower mid).	1M return: 0.64% (top quartile).	1M return: 0.64% (upper mid).
Point 7	Sharpe: 0.98 (bottom quartile).	Sharpe: 1.56 (top quartile).	Sharpe: 1.26 (lower mid).	Sharpe: 1.43 (upper mid).	Sharpe: 1.26 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 4.52% (bottom quartile).	Yield to maturity (debt): 6.89% (bottom quartile).	Yield to maturity (debt): 7.04% (upper mid).	Yield to maturity (debt): 7.27% (top quartile).	Yield to maturity (debt): 7.02% (lower mid).
Point 10	Modified duration: 1.20 yrs (top quartile).	Modified duration: 2.48 yrs (upper mid).	Modified duration: 2.55 yrs (lower mid).	Modified duration: 2.61 yrs (bottom quartile).	Modified duration: 2.79 yrs (bottom quartile).

Sundaram Short Term Debt Fund

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

Axis Short Term Fund

Lower mid AUM (₹12,129 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.38% (upper mid).
1M return: 0.61% (bottom quartile).
Sharpe: 1.56 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.89% (bottom quartile).
Modified duration: 2.48 yrs (upper mid).

Nippon India Short Term Fund

Bottom quartile AUM (₹8,935 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 8.16% (lower mid).
1M return: 0.61% (lower mid).
Sharpe: 1.26 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.04% (upper mid).
Modified duration: 2.55 yrs (lower mid).

ICICI Prudential Short Term Fund

Highest AUM (₹22,339 Cr).
Established history (23+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 8.15% (bottom quartile).
1M return: 0.64% (top quartile).
Sharpe: 1.43 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.27% (top quartile).
Modified duration: 2.61 yrs (bottom quartile).

SBI Short Term Debt Fund

Upper mid AUM (₹16,387 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.06% (bottom quartile).
1M return: 0.64% (upper mid).
Sharpe: 1.26 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.02% (lower mid).
Modified duration: 2.79 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	₹2,947.93 ↑ 0.41	₹37,122	500	0.5	1.4	3.1	6.8	7.4	5.9%	1M 9D	1M 11D
Edelweiss Liquid Fund Growth	₹3,385.97 ↑ 0.51	₹10,218	5,000	0.5	1.4	3.1	6.8	7.3	5.83%	1M 10D	1M 10D
Canara Robeco Liquid Growth	₹3,186.63 ↑ 0.38	₹8,310	5,000	0.5	1.4	3.1	6.8	7.4	5.82%	1M 1D	1M 3D
DSP Liquidity Fund Growth	₹3,779.78 ↑ 0.53	₹19,926	1,000	0.5	1.4	3.1	6.8	7.4	5.87%	1M 6D	1M 10D
Tata Liquid Fund Growth	₹4,169.82 ↑ 0.56	₹20,404	5,000	0.5	1.4	3.1	6.8	7.3	5.94%	1M 9D	1M 9D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Axis Liquid Fund	Edelweiss Liquid Fund	Canara Robeco Liquid	DSP Liquidity Fund	Tata Liquid Fund
Point 1	Highest AUM (₹37,122 Cr).	Bottom quartile AUM (₹10,218 Cr).	Bottom quartile AUM (₹8,310 Cr).	Lower mid AUM (₹19,926 Cr).	Upper mid AUM (₹20,404 Cr).
Point 2	Established history (15+ yrs).	Established history (18+ yrs).	Established history (17+ yrs).	Established history (19+ yrs).	Oldest track record among peers (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: 6.84% (top quartile).	1Y return: 6.82% (upper mid).	1Y return: 6.82% (lower mid).	1Y return: 6.81% (bottom quartile).	1Y return: 6.81% (bottom quartile).
Point 6	1M return: 0.46% (bottom quartile).	1M return: 0.47% (top quartile).	1M return: 0.46% (upper mid).	1M return: 0.46% (bottom quartile).	1M return: 0.46% (lower mid).
Point 7	Sharpe: 3.41 (bottom quartile).	Sharpe: 3.91 (top quartile).	Sharpe: 3.48 (bottom quartile).	Sharpe: 3.56 (lower mid).	Sharpe: 3.56 (upper mid).
Point 8	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.08 (top quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 5.90% (upper mid).	Yield to maturity (debt): 5.83% (bottom quartile).	Yield to maturity (debt): 5.82% (bottom quartile).	Yield to maturity (debt): 5.87% (lower mid).	Yield to maturity (debt): 5.94% (top quartile).
Point 10	Modified duration: 0.11 yrs (lower mid).	Modified duration: 0.11 yrs (bottom quartile).	Modified duration: 0.09 yrs (top quartile).	Modified duration: 0.10 yrs (upper mid).	Modified duration: 0.11 yrs (bottom quartile).

Axis Liquid Fund

Highest AUM (₹37,122 Cr).
Established history (15+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.84% (top quartile).
1M return: 0.46% (bottom quartile).
Sharpe: 3.41 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 5.90% (upper mid).
Modified duration: 0.11 yrs (lower mid).

Edelweiss Liquid Fund

Bottom quartile AUM (₹10,218 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.82% (upper mid).
1M return: 0.47% (top quartile).
Sharpe: 3.91 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 5.83% (bottom quartile).
Modified duration: 0.11 yrs (bottom quartile).

Canara Robeco Liquid

Bottom quartile AUM (₹8,310 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.82% (lower mid).
1M return: 0.46% (upper mid).
Sharpe: 3.48 (bottom quartile).
Information ratio: 0.08 (top quartile).
Yield to maturity (debt): 5.82% (bottom quartile).
Modified duration: 0.09 yrs (top quartile).

DSP Liquidity Fund

Lower mid AUM (₹19,926 Cr).
Established history (19+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.81% (bottom quartile).
1M return: 0.46% (bottom quartile).
Sharpe: 3.56 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.87% (lower mid).
Modified duration: 0.10 yrs (upper mid).

Tata Liquid Fund

Upper mid AUM (₹20,404 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.81% (bottom quartile).
1M return: 0.46% (lower mid).
Sharpe: 3.56 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.94% (top quartile).
Modified duration: 0.11 yrs (bottom quartile).

Top 5 Lump sum GILT Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
ICICI Prudential Gilt Fund Growth	₹103.804 ↑ 0.12	₹9,145	5,000	0.6	3	7.4	7.9	8.2	7.21%	6Y 2M 5D	17Y 1M 28D
DSP Government Securities Fund Growth	₹95.9545 ↑ 0.05	₹1,494	1,000	0.6	1.1	4.5	7.6	10.1	7.22%	9Y 6M 14D	25Y 8M 1D
SBI Magnum Gilt Fund Growth	₹66.073 ↓ -0.04	₹11,322	5,000	0.2	1.2	4.7	7.5	8.9	7.12%	9Y 4M 13D	19Y 10M 6D
Axis Gilt Fund Growth	₹25.6041 ↑ 0.01	₹613	5,000	0.2	1.4	5.3	7.5	10	7.11%	8Y 7M 28D	20Y 18D
HDFC Gilt Fund Growth	₹55.4626 ↑ 0.01	₹2,919	5,000	0.2	1.5	5.3	7.4	8.7	7.05%	7Y 11M 26D	20Y 25D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Gilt Fund	DSP Government Securities Fund	SBI Magnum Gilt Fund	Axis Gilt Fund	HDFC Gilt Fund
Point 1	Upper mid AUM (₹9,145 Cr).	Bottom quartile AUM (₹1,494 Cr).	Highest AUM (₹11,322 Cr).	Bottom quartile AUM (₹613 Cr).	Lower mid AUM (₹2,919 Cr).
Point 2	Oldest track record among peers (26 yrs).	Established history (26+ yrs).	Established history (24+ yrs).	Established history (13+ yrs).	Established history (24+ yrs).
Point 3	Top rated.	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).	Rating: 1★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 7.38% (top quartile).	1Y return: 4.46% (bottom quartile).	1Y return: 4.69% (bottom quartile).	1Y return: 5.27% (lower mid).	1Y return: 5.31% (upper mid).
Point 6	1M return: 1.37% (bottom quartile).	1M return: 1.65% (top quartile).	1M return: 1.57% (upper mid).	1M return: 1.56% (bottom quartile).	1M return: 1.56% (lower mid).
Point 7	Sharpe: 0.13 (top quartile).	Sharpe: -0.36 (bottom quartile).	Sharpe: -0.41 (bottom quartile).	Sharpe: -0.27 (upper mid).	Sharpe: -0.31 (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): 7.21% (upper mid).	Yield to maturity (debt): 7.22% (top quartile).	Yield to maturity (debt): 7.12% (lower mid).	Yield to maturity (debt): 7.11% (bottom quartile).	Yield to maturity (debt): 7.05% (bottom quartile).
Point 10	Modified duration: 6.18 yrs (top quartile).	Modified duration: 9.54 yrs (bottom quartile).	Modified duration: 9.37 yrs (bottom quartile).	Modified duration: 8.66 yrs (lower mid).	Modified duration: 7.99 yrs (upper mid).

ICICI Prudential Gilt Fund

Upper mid AUM (₹9,145 Cr).
Oldest track record among peers (26 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 7.38% (top quartile).
1M return: 1.37% (bottom quartile).
Sharpe: 0.13 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.21% (upper mid).
Modified duration: 6.18 yrs (top quartile).

DSP Government Securities Fund

Bottom quartile AUM (₹1,494 Cr).
Established history (26+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 4.46% (bottom quartile).
1M return: 1.65% (top quartile).
Sharpe: -0.36 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.22% (top quartile).
Modified duration: 9.54 yrs (bottom quartile).

SBI Magnum Gilt Fund

Highest AUM (₹11,322 Cr).
Established history (24+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 4.69% (bottom quartile).
1M return: 1.57% (upper mid).
Sharpe: -0.41 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.12% (lower mid).
Modified duration: 9.37 yrs (bottom quartile).

Axis Gilt Fund

Bottom quartile AUM (₹613 Cr).
Established history (13+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.27% (lower mid).
1M return: 1.56% (bottom quartile).
Sharpe: -0.27 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.11% (bottom quartile).
Modified duration: 8.66 yrs (lower mid).

HDFC Gilt Fund

Lower mid AUM (₹2,919 Cr).
Established history (24+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.31% (upper mid).
1M return: 1.56% (lower mid).
Sharpe: -0.31 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.05% (bottom quartile).
Modified duration: 7.99 yrs (upper mid).

Top 5 Lump sum Corporate Bond Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Nippon India Prime Debt Fund Growth	₹60.885 ↓ -0.01	₹10,042	1,000	1.1	3.9	8.1	8	8.4	6.81%	3Y 6M 7D	4Y 7M 20D
BNP Paribas Corporate Bond Fund Growth	₹27.9554 ↑ 0.01	₹429	5,000	1.3	4.4	8.5	7.9	8.3	6.9%	3Y 5M 19D	4Y 6M 25D
ICICI Prudential Corporate Bond Fund Growth	₹30.3202 ↑ 0.02	₹33,574	5,000	1.4	3.9	8.2	7.9	8	7%	3Y 18D	5Y 9M 18D
Aditya Birla Sun Life Corporate Bond Fund Growth	₹114.291 ↑ 0.02	₹28,109	1,000	1	3.4	7.5	7.8	8.5	7.21%	4Y 8M 8D	7Y 3M
HDFC Corporate Bond Fund Growth	₹32.9712 ↑ 0.02	₹35,700	5,000	1	3.5	7.6	7.8	8.6	7.06%	4Y 2M 1D	4Y 4M 28D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Nippon India Prime Debt Fund	BNP Paribas Corporate Bond Fund	ICICI Prudential Corporate Bond Fund	Aditya Birla Sun Life Corporate Bond Fund	HDFC Corporate Bond Fund
Point 1	Bottom quartile AUM (₹10,042 Cr).	Bottom quartile AUM (₹429 Cr).	Upper mid AUM (₹33,574 Cr).	Lower mid AUM (₹28,109 Cr).	Highest AUM (₹35,700 Cr).
Point 2	Established history (25+ yrs).	Established history (16+ yrs).	Established history (16+ yrs).	Oldest track record among peers (28 yrs).	Established history (15+ yrs).
Point 3	Rating: 4★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 4★ (bottom quartile).	Top rated.	Rating: 5★ (upper mid).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.
Point 5	1Y return: 8.10% (lower mid).	1Y return: 8.47% (top quartile).	1Y return: 8.25% (upper mid).	1Y return: 7.53% (bottom quartile).	1Y return: 7.61% (bottom quartile).
Point 6	1M return: 0.66% (bottom quartile).	1M return: 0.76% (upper mid).	1M return: 0.69% (bottom quartile).	1M return: 0.76% (top quartile).	1M return: 0.70% (lower mid).
Point 7	Sharpe: 1.00 (lower mid).	Sharpe: 1.16 (upper mid).	Sharpe: 1.36 (top quartile).	Sharpe: 0.66 (bottom quartile).	Sharpe: 0.68 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.81% (bottom quartile).	Yield to maturity (debt): 6.90% (bottom quartile).	Yield to maturity (debt): 7.00% (lower mid).	Yield to maturity (debt): 7.21% (top quartile).	Yield to maturity (debt): 7.06% (upper mid).
Point 10	Modified duration: 3.52 yrs (lower mid).	Modified duration: 3.47 yrs (upper mid).	Modified duration: 3.05 yrs (top quartile).	Modified duration: 4.69 yrs (bottom quartile).	Modified duration: 4.17 yrs (bottom quartile).

Nippon India Prime Debt Fund

Bottom quartile AUM (₹10,042 Cr).
Established history (25+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.10% (lower mid).
1M return: 0.66% (bottom quartile).
Sharpe: 1.00 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 3.52 yrs (lower mid).

BNP Paribas Corporate Bond Fund

Bottom quartile AUM (₹429 Cr).
Established history (16+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.47% (top quartile).
1M return: 0.76% (upper mid).
Sharpe: 1.16 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.90% (bottom quartile).
Modified duration: 3.47 yrs (upper mid).

ICICI Prudential Corporate Bond Fund

Upper mid AUM (₹33,574 Cr).
Established history (16+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.25% (upper mid).
1M return: 0.69% (bottom quartile).
Sharpe: 1.36 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.00% (lower mid).
Modified duration: 3.05 yrs (top quartile).

Aditya Birla Sun Life Corporate Bond Fund

Lower mid AUM (₹28,109 Cr).
Oldest track record among peers (28 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.53% (bottom quartile).
1M return: 0.76% (top quartile).
Sharpe: 0.66 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.21% (top quartile).
Modified duration: 4.69 yrs (bottom quartile).

HDFC Corporate Bond Fund

Highest AUM (₹35,700 Cr).
Established history (15+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.61% (bottom quartile).
1M return: 0.70% (lower mid).
Sharpe: 0.68 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.06% (upper mid).
Modified duration: 4.17 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	₹50.1558 ↑ 0.00	₹207	1,000	1	4	21.6	14.8	7.8	6.99%	1Y 10M 28D	2Y 7M 6D
Franklin India Credit Risk Fund Growth	₹25.3348 ↑ 0.04	₹104	5,000	2.9	5	7.5	11		0%
Aditya Birla Sun Life Credit Risk Fund Growth	₹22.8401 ↑ 0.01	₹1,044	1,000	2.1	5.2	16	10.6	11.9	7.78%	2Y 1M 6D	3Y 1M 13D
Invesco India Credit Risk Fund Growth	₹1,954.24 ↓ -0.46	₹152	5,000	1.1	3.4	9.1	9.4	7.3	6.81%	2Y 4M 10D	3Y 1M 28D
Nippon India Credit Risk Fund Growth	₹35.715 ↑ 0.02	₹990	500	2	4.8	9.2	8.4	8.3	8.28%	1Y 11M 12D	2Y 3M 25D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP Credit Risk Fund	Franklin India Credit Risk Fund	Aditya Birla Sun Life Credit Risk Fund	Invesco India Credit Risk Fund	Nippon India Credit Risk Fund
Point 1	Lower mid AUM (₹207 Cr).	Bottom quartile AUM (₹104 Cr).	Highest AUM (₹1,044 Cr).	Bottom quartile AUM (₹152 Cr).	Upper mid AUM (₹990 Cr).
Point 2	Oldest track record among peers (22 yrs).	Established history (13+ yrs).	Established history (10+ yrs).	Established history (11+ yrs).	Established history (20+ yrs).
Point 3	Top rated.	Rating: 1★ (bottom quartile).	Not Rated.	Rating: 4★ (upper mid).	Rating: 2★ (lower mid).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 21.61% (top quartile).	1Y return: 7.45% (bottom quartile).	1Y return: 15.99% (upper mid).	1Y return: 9.12% (bottom quartile).	1Y return: 9.19% (lower mid).
Point 6	1M return: 0.53% (bottom quartile).	1M return: 0.91% (upper mid).	1M return: 0.92% (top quartile).	1M return: 0.61% (bottom quartile).	1M return: 0.66% (lower mid).
Point 7	Sharpe: 1.56 (lower mid).	Sharpe: 0.29 (bottom quartile).	Sharpe: 2.29 (upper mid).	Sharpe: 1.11 (bottom quartile).	Sharpe: 2.73 (top quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.99% (lower mid).	Yield to maturity (debt): 0.00% (bottom quartile).	Yield to maturity (debt): 7.78% (upper mid).	Yield to maturity (debt): 6.81% (bottom quartile).	Yield to maturity (debt): 8.28% (top quartile).
Point 10	Modified duration: 1.91 yrs (upper mid).	Modified duration: 0.00 yrs (top quartile).	Modified duration: 2.10 yrs (bottom quartile).	Modified duration: 2.36 yrs (bottom quartile).	Modified duration: 1.95 yrs (lower mid).

DSP Credit Risk Fund

Lower mid AUM (₹207 Cr).
Oldest track record among peers (22 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 21.61% (top quartile).
1M return: 0.53% (bottom quartile).
Sharpe: 1.56 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.99% (lower mid).
Modified duration: 1.91 yrs (upper mid).

Franklin India Credit Risk Fund

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

Aditya Birla Sun Life Credit Risk Fund

Highest AUM (₹1,044 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 15.99% (upper mid).
1M return: 0.92% (top quartile).
Sharpe: 2.29 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.78% (upper mid).
Modified duration: 2.10 yrs (bottom quartile).

Invesco India Credit Risk Fund

Bottom quartile AUM (₹152 Cr).
Established history (11+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 9.12% (bottom quartile).
1M return: 0.61% (bottom quartile).
Sharpe: 1.11 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 2.36 yrs (bottom quartile).

Nippon India Credit Risk Fund

Upper mid AUM (₹990 Cr).
Established history (20+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderate.
1Y return: 9.19% (lower mid).
1M return: 0.66% (lower mid).
Sharpe: 2.73 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.28% (top quartile).
Modified duration: 1.95 yrs (lower mid).

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

Top 5 Lump sum Balanced Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
JM Equity Hybrid Fund Growth	₹118.754 ↑ 0.26	₹804	5,000	-3.5	4.8	-8.2	20.9	21.3	27
ICICI Prudential Multi-Asset Fund Growth	₹773.961 ↓ -4.29	₹64,770	5,000	1.7	8	6	20.5	25	16.1
ICICI Prudential Equity and Debt Fund Growth	₹397.36 ↑ 0.22	₹45,168	5,000	0.4	7.8	1.3	20.5	25.8	17.2
UTI Multi Asset Fund Growth	₹74.542 ↑ 0.20	₹5,941	5,000	-0.3	6.5	-0.3	19.3	15.8	20.7
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹37.37 ↓ -0.01	₹1,253	5,000	-3.1	7.3	-4.7	19	22.2	25.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	JM Equity Hybrid Fund	ICICI Prudential Multi-Asset Fund	ICICI Prudential Equity and Debt Fund	UTI Multi Asset Fund	BOI AXA Mid and Small Cap Equity and Debt Fund
Point 1	Bottom quartile AUM (₹804 Cr).	Highest AUM (₹64,770 Cr).	Upper mid AUM (₹45,168 Cr).	Lower mid AUM (₹5,941 Cr).	Bottom quartile AUM (₹1,253 Cr).
Point 2	Oldest track record among peers (30 yrs).	Established history (22+ yrs).	Established history (25+ yrs).	Established history (16+ yrs).	Established history (9+ yrs).
Point 3	Rating: 1★ (lower mid).	Rating: 2★ (upper mid).	Top rated.	Rating: 1★ (bottom quartile).	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 21.28% (bottom quartile).	5Y return: 25.01% (upper mid).	5Y return: 25.83% (top quartile).	5Y return: 15.82% (bottom quartile).	5Y return: 22.15% (lower mid).
Point 6	3Y return: 20.87% (top quartile).	3Y return: 20.51% (upper mid).	3Y return: 20.50% (lower mid).	3Y return: 19.32% (bottom quartile).	3Y return: 19.01% (bottom quartile).
Point 7	1Y return: -8.19% (bottom quartile).	1Y return: 5.95% (top quartile).	1Y return: 1.28% (upper mid).	1Y return: -0.27% (lower mid).	1Y return: -4.74% (bottom quartile).
Point 8	1M return: 0.64% (bottom quartile).	1M return: 1.85% (top quartile).	1M return: 1.50% (upper mid).	1M return: 1.17% (lower mid).	1M return: 0.57% (bottom quartile).
Point 9	Alpha: -8.63 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 2.96 (top quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: -1.21 (bottom quartile).	Sharpe: 0.08 (top quartile).	Sharpe: -0.29 (upper mid).	Sharpe: -0.52 (lower mid).	Sharpe: -0.64 (bottom quartile).

JM Equity Hybrid Fund

Bottom quartile AUM (₹804 Cr).
Oldest track record among peers (30 yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 21.28% (bottom quartile).
3Y return: 20.87% (top quartile).
1Y return: -8.19% (bottom quartile).
1M return: 0.64% (bottom quartile).
Alpha: -8.63 (bottom quartile).
Sharpe: -1.21 (bottom quartile).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹64,770 Cr).
Established history (22+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 25.01% (upper mid).
3Y return: 20.51% (upper mid).
1Y return: 5.95% (top quartile).
1M return: 1.85% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.08 (top quartile).

ICICI Prudential Equity and Debt Fund

Upper mid AUM (₹45,168 Cr).
Established history (25+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 25.83% (top quartile).
3Y return: 20.50% (lower mid).
1Y return: 1.28% (upper mid).
1M return: 1.50% (upper mid).
Alpha: 2.96 (top quartile).
Sharpe: -0.29 (upper mid).

UTI Multi Asset Fund

Lower mid AUM (₹5,941 Cr).
Established history (16+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.82% (bottom quartile).
3Y return: 19.32% (bottom quartile).
1Y return: -0.27% (lower mid).
1M return: 1.17% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.52 (lower mid).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,253 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 22.15% (lower mid).
3Y return: 19.01% (bottom quartile).
1Y return: -4.74% (bottom quartile).
1M return: 0.57% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.64 (bottom quartile).

Top 5 Lump sum Aggressive Hybrid Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
JM Equity Hybrid Fund Growth	₹118.754 ↑ 0.26	₹804	5,000	-3.5	4.8	-8.2	20.9	21.3	27
ICICI Prudential Equity and Debt Fund Growth	₹397.36 ↑ 0.22	₹45,168	5,000	0.4	7.8	1.3	20.5	25.8	17.2
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹37.37 ↓ -0.01	₹1,253	5,000	-3.1	7.3	-4.7	19	22.2	25.8
UTI Hybrid Equity Fund Growth	₹397.593 ↑ 0.14	₹6,302	1,000	-2.9	4.5	-4	16.9	19.8	19.7
Nippon India Equity Hybrid Fund Growth	₹104.501 ↑ 0.06	₹3,894	500	-0.9	7.2	-2	16.5	19.3	16.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	JM Equity Hybrid Fund	ICICI Prudential Equity and Debt Fund	BOI AXA Mid and Small Cap Equity and Debt Fund	UTI Hybrid Equity Fund	Nippon India Equity Hybrid Fund
Point 1	Bottom quartile AUM (₹804 Cr).	Highest AUM (₹45,168 Cr).	Bottom quartile AUM (₹1,253 Cr).	Upper mid AUM (₹6,302 Cr).	Lower mid AUM (₹3,894 Cr).
Point 2	Oldest track record among peers (30 yrs).	Established history (25+ yrs).	Established history (9+ yrs).	Established history (30+ yrs).	Established history (20+ yrs).
Point 3	Rating: 1★ (bottom quartile).	Top rated.	Not Rated.	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 21.28% (lower mid).	5Y return: 25.83% (top quartile).	5Y return: 22.15% (upper mid).	5Y return: 19.77% (bottom quartile).	5Y return: 19.33% (bottom quartile).
Point 6	3Y return: 20.87% (top quartile).	3Y return: 20.50% (upper mid).	3Y return: 19.01% (lower mid).	3Y return: 16.90% (bottom quartile).	3Y return: 16.53% (bottom quartile).
Point 7	1Y return: -8.19% (bottom quartile).	1Y return: 1.28% (top quartile).	1Y return: -4.74% (bottom quartile).	1Y return: -4.03% (lower mid).	1Y return: -2.01% (upper mid).
Point 8	1M return: 0.64% (bottom quartile).	1M return: 1.50% (upper mid).	1M return: 0.57% (bottom quartile).	1M return: 0.80% (lower mid).	1M return: 1.59% (top quartile).
Point 9	Alpha: -8.63 (bottom quartile).	Alpha: 2.96 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: -2.11 (bottom quartile).	Alpha: -0.17 (lower mid).
Point 10	Sharpe: -1.21 (bottom quartile).	Sharpe: -0.29 (top quartile).	Sharpe: -0.64 (lower mid).	Sharpe: -0.80 (bottom quartile).	Sharpe: -0.60 (upper mid).

JM Equity Hybrid Fund

Bottom quartile AUM (₹804 Cr).
Oldest track record among peers (30 yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 21.28% (lower mid).
3Y return: 20.87% (top quartile).
1Y return: -8.19% (bottom quartile).
1M return: 0.64% (bottom quartile).
Alpha: -8.63 (bottom quartile).
Sharpe: -1.21 (bottom quartile).

ICICI Prudential Equity and Debt Fund

Highest AUM (₹45,168 Cr).
Established history (25+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 25.83% (top quartile).
3Y return: 20.50% (upper mid).
1Y return: 1.28% (top quartile).
1M return: 1.50% (upper mid).
Alpha: 2.96 (top quartile).
Sharpe: -0.29 (top quartile).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,253 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 22.15% (upper mid).
3Y return: 19.01% (lower mid).
1Y return: -4.74% (bottom quartile).
1M return: 0.57% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.64 (lower mid).

UTI Hybrid Equity Fund

Upper mid AUM (₹6,302 Cr).
Established history (30+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.77% (bottom quartile).
3Y return: 16.90% (bottom quartile).
1Y return: -4.03% (lower mid).
1M return: 0.80% (lower mid).
Alpha: -2.11 (bottom quartile).
Sharpe: -0.80 (bottom quartile).

Nippon India Equity Hybrid Fund

Lower mid AUM (₹3,894 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 19.33% (bottom quartile).
3Y return: 16.53% (bottom quartile).
1Y return: -2.01% (upper mid).
1M return: 1.59% (top quartile).
Alpha: -0.17 (lower mid).
Sharpe: -0.60 (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 (%)
JM Equity Hybrid Fund Growth	₹118.754 ↑ 0.26	₹804	5,000	-3.5	4.8	-8.2	20.9	21.3	27
ICICI Prudential Multi-Asset Fund Growth	₹773.961 ↓ -4.29	₹64,770	5,000	1.7	8	6	20.5	25	16.1
ICICI Prudential Equity and Debt Fund Growth	₹397.36 ↑ 0.22	₹45,168	5,000	0.4	7.8	1.3	20.5	25.8	17.2
UTI Multi Asset Fund Growth	₹74.542 ↑ 0.20	₹5,941	5,000	-0.3	6.5	-0.3	19.3	15.8	20.7
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹37.37 ↓ -0.01	₹1,253	5,000	-3.1	7.3	-4.7	19	22.2	25.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	JM Equity Hybrid Fund	ICICI Prudential Multi-Asset Fund	ICICI Prudential Equity and Debt Fund	UTI Multi Asset Fund	BOI AXA Mid and Small Cap Equity and Debt Fund
Point 1	Bottom quartile AUM (₹804 Cr).	Highest AUM (₹64,770 Cr).	Upper mid AUM (₹45,168 Cr).	Lower mid AUM (₹5,941 Cr).	Bottom quartile AUM (₹1,253 Cr).
Point 2	Oldest track record among peers (30 yrs).	Established history (22+ yrs).	Established history (25+ yrs).	Established history (16+ yrs).	Established history (9+ yrs).
Point 3	Rating: 1★ (lower mid).	Rating: 2★ (upper mid).	Top rated.	Rating: 1★ (bottom quartile).	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 21.28% (bottom quartile).	5Y return: 25.01% (upper mid).	5Y return: 25.83% (top quartile).	5Y return: 15.82% (bottom quartile).	5Y return: 22.15% (lower mid).
Point 6	3Y return: 20.87% (top quartile).	3Y return: 20.51% (upper mid).	3Y return: 20.50% (lower mid).	3Y return: 19.32% (bottom quartile).	3Y return: 19.01% (bottom quartile).
Point 7	1Y return: -8.19% (bottom quartile).	1Y return: 5.95% (top quartile).	1Y return: 1.28% (upper mid).	1Y return: -0.27% (lower mid).	1Y return: -4.74% (bottom quartile).
Point 8	1M return: 0.64% (bottom quartile).	1M return: 1.85% (top quartile).	1M return: 1.50% (upper mid).	1M return: 1.17% (lower mid).	1M return: 0.57% (bottom quartile).
Point 9	Alpha: -8.63 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 2.96 (top quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: -1.21 (bottom quartile).	Sharpe: 0.08 (top quartile).	Sharpe: -0.29 (upper mid).	Sharpe: -0.52 (lower mid).	Sharpe: -0.64 (bottom quartile).

JM Equity Hybrid Fund

Bottom quartile AUM (₹804 Cr).
Oldest track record among peers (30 yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 21.28% (bottom quartile).
3Y return: 20.87% (top quartile).
1Y return: -8.19% (bottom quartile).
1M return: 0.64% (bottom quartile).
Alpha: -8.63 (bottom quartile).
Sharpe: -1.21 (bottom quartile).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹64,770 Cr).
Established history (22+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 25.01% (upper mid).
3Y return: 20.51% (upper mid).
1Y return: 5.95% (top quartile).
1M return: 1.85% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.08 (top quartile).

ICICI Prudential Equity and Debt Fund

Upper mid AUM (₹45,168 Cr).
Established history (25+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 25.83% (top quartile).
3Y return: 20.50% (lower mid).
1Y return: 1.28% (upper mid).
1M return: 1.50% (upper mid).
Alpha: 2.96 (top quartile).
Sharpe: -0.29 (upper mid).

UTI Multi Asset Fund

Lower mid AUM (₹5,941 Cr).
Established history (16+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.82% (bottom quartile).
3Y return: 19.32% (bottom quartile).
1Y return: -0.27% (lower mid).
1M return: 1.17% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.52 (lower mid).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,253 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 22.15% (lower mid).
3Y return: 19.01% (bottom quartile).
1Y return: -4.74% (bottom quartile).
1M return: 0.57% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.64 (bottom quartile).

Top 5 Lump sum Arbitrage Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
UTI Arbitrage Fund Growth	₹35.494 ↓ -0.01	₹9,149	5,000	1.3	3	6.8	7	5.7	7.7
SBI Arbitrage Opportunities Fund Growth	₹34.2485 ↓ -0.01	₹41,552	5,000	1.3	3	6.8	7.1	5.8	7.5
Kotak Equity Arbitrage Fund Growth	₹37.9422 ↓ -0.01	₹72,274	5,000	1.3	2.9	6.8	7.2	5.9	7.8
ICICI Prudential Equity Arbitrage Fund Growth	₹34.7351 ↓ -0.02	₹32,593	5,000	1.3	2.9	6.7	7	5.7	7.6
Invesco India Arbitrage Fund Growth	₹32.3129 ↓ -0.01	₹25,150	5,000	1.3	2.9	6.7	7.1	5.8	7.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Arbitrage Fund	SBI Arbitrage Opportunities Fund	Kotak Equity Arbitrage Fund	ICICI Prudential Equity Arbitrage Fund	Invesco India Arbitrage Fund
Point 1	Bottom quartile AUM (₹9,149 Cr).	Upper mid AUM (₹41,552 Cr).	Highest AUM (₹72,274 Cr).	Lower mid AUM (₹32,593 Cr).	Bottom quartile AUM (₹25,150 Cr).
Point 2	Established history (19+ yrs).	Established history (18+ yrs).	Oldest track record among peers (20 yrs).	Established history (18+ yrs).	Established history (18+ yrs).
Point 3	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Top rated.	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	5Y return: 5.71% (bottom quartile).	5Y return: 5.83% (upper mid).	5Y return: 5.87% (top quartile).	5Y return: 5.70% (bottom quartile).	5Y return: 5.83% (lower mid).
Point 6	3Y return: 7.05% (bottom quartile).	3Y return: 7.14% (upper mid).	3Y return: 7.15% (top quartile).	3Y return: 6.99% (bottom quartile).	3Y return: 7.12% (lower mid).
Point 7	1Y return: 6.83% (top quartile).	1Y return: 6.80% (upper mid).	1Y return: 6.77% (lower mid).	1Y return: 6.73% (bottom quartile).	1Y return: 6.68% (bottom quartile).
Point 8	1M return: 0.37% (top quartile).	1M return: 0.35% (upper mid).	1M return: 0.34% (bottom quartile).	1M return: 0.33% (bottom quartile).	1M return: 0.34% (lower mid).
Point 9	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 1.12 (top quartile).	Sharpe: 0.87 (bottom quartile).	Sharpe: 1.09 (upper mid).	Sharpe: 0.92 (lower mid).	Sharpe: 0.77 (bottom quartile).

UTI Arbitrage Fund

Bottom quartile AUM (₹9,149 Cr).
Established history (19+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
5Y return: 5.71% (bottom quartile).
3Y return: 7.05% (bottom quartile).
1Y return: 6.83% (top quartile).
1M return: 0.37% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 1.12 (top quartile).

SBI Arbitrage Opportunities Fund

Upper mid AUM (₹41,552 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
5Y return: 5.83% (upper mid).
3Y return: 7.14% (upper mid).
1Y return: 6.80% (upper mid).
1M return: 0.35% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.87 (bottom quartile).

Kotak Equity Arbitrage Fund

Highest AUM (₹72,274 Cr).
Oldest track record among peers (20 yrs).
Top rated.
Risk profile: Moderately Low.
5Y return: 5.87% (top quartile).
3Y return: 7.15% (top quartile).
1Y return: 6.77% (lower mid).
1M return: 0.34% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 1.09 (upper mid).

ICICI Prudential Equity Arbitrage Fund

Lower mid AUM (₹32,593 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
5Y return: 5.70% (bottom quartile).
3Y return: 6.99% (bottom quartile).
1Y return: 6.73% (bottom quartile).
1M return: 0.33% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.92 (lower mid).

Invesco India Arbitrage Fund

Bottom quartile AUM (₹25,150 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
5Y return: 5.83% (lower mid).
3Y return: 7.12% (lower mid).
1Y return: 6.68% (bottom quartile).
1M return: 0.34% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.77 (bottom quartile).

Top 5 Lump sum Dynamic Allocation Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Axis Dynamic Equity Fund Growth	₹20.8 ↑ 0.02	₹3,489	5,000	-1.6	3.4	-0.8	14.1	13.1	17.5
ICICI Prudential Balanced Advantage Fund Growth	₹74.78 ↑ 0.03	₹65,711	5,000	0.6	7.8	4.1	13.6	14.6	12.3
Invesco India Dynamic Equity Fund Growth	₹53.19 ↓ -0.01	₹1,045	5,000	-2.2	4.4	-1.3	13.2	12.4	15.9
Aditya Birla Sun Life Balanced Advantage Fund Growth	₹105.66 ↓ -0.01	₹8,208	1,000	-1.9	5.4	0.9	13.1	14	13
Edelweiss Balanced Advantage Fund Growth	₹50.64 ↑ 0.06	₹12,725	1,000	-1.4	4.7	-2.7	12.7	13.9	13.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Axis Dynamic Equity Fund	ICICI Prudential Balanced Advantage Fund	Invesco India Dynamic Equity Fund	Aditya Birla Sun Life Balanced Advantage Fund	Edelweiss Balanced Advantage Fund
Point 1	Bottom quartile AUM (₹3,489 Cr).	Highest AUM (₹65,711 Cr).	Bottom quartile AUM (₹1,045 Cr).	Lower mid AUM (₹8,208 Cr).	Upper mid AUM (₹12,725 Cr).
Point 2	Established history (8+ yrs).	Established history (18+ yrs).	Established history (18+ yrs).	Oldest track record among peers (25 yrs).	Established history (16+ yrs).
Point 3	Not Rated.	Top rated.	Rating: 2★ (lower mid).	Rating: 3★ (upper mid).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 13.14% (bottom quartile).	5Y return: 14.63% (top quartile).	5Y return: 12.41% (bottom quartile).	5Y return: 13.96% (upper mid).	5Y return: 13.90% (lower mid).
Point 6	3Y return: 14.13% (top quartile).	3Y return: 13.58% (upper mid).	3Y return: 13.23% (lower mid).	3Y return: 13.08% (bottom quartile).	3Y return: 12.67% (bottom quartile).
Point 7	1Y return: -0.81% (lower mid).	1Y return: 4.08% (top quartile).	1Y return: -1.34% (bottom quartile).	1Y return: 0.89% (upper mid).	1Y return: -2.69% (bottom quartile).
Point 8	1M return: 0.82% (lower mid).	1M return: 0.96% (upper mid).	1M return: -0.23% (bottom quartile).	1M return: 0.50% (bottom quartile).	1M return: 1.42% (top quartile).
Point 9	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: -0.63 (bottom quartile).	Sharpe: -0.15 (top quartile).	Sharpe: -0.52 (lower mid).	Sharpe: -0.33 (upper mid).	Sharpe: -0.83 (bottom quartile).

Axis Dynamic Equity Fund

Bottom quartile AUM (₹3,489 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 13.14% (bottom quartile).
3Y return: 14.13% (top quartile).
1Y return: -0.81% (lower mid).
1M return: 0.82% (lower mid).
Alpha: 0.00 (top quartile).
Sharpe: -0.63 (bottom quartile).

ICICI Prudential Balanced Advantage Fund

Highest AUM (₹65,711 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 14.63% (top quartile).
3Y return: 13.58% (upper mid).
1Y return: 4.08% (top quartile).
1M return: 0.96% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.15 (top quartile).

Invesco India Dynamic Equity Fund

Bottom quartile AUM (₹1,045 Cr).
Established history (18+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 12.41% (bottom quartile).
3Y return: 13.23% (lower mid).
1Y return: -1.34% (bottom quartile).
1M return: -0.23% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.52 (lower mid).

Aditya Birla Sun Life Balanced Advantage Fund

Lower mid AUM (₹8,208 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.96% (upper mid).
3Y return: 13.08% (bottom quartile).
1Y return: 0.89% (upper mid).
1M return: 0.50% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.33 (upper mid).

Edelweiss Balanced Advantage Fund

Upper mid AUM (₹12,725 Cr).
Established history (16+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 13.90% (lower mid).
3Y return: 12.67% (bottom quartile).
1Y return: -2.69% (bottom quartile).
1M return: 1.42% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.83 (bottom quartile).

Top 5 Lump sum Multi Asset Allocation Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
ICICI Prudential Multi-Asset Fund Growth	₹773.961 ↓ -4.29	₹64,770	5,000	1.7	8	6	20.5	25	16.1
UTI Multi Asset Fund Growth	₹74.542 ↑ 0.20	₹5,941	5,000	-0.3	6.5	-0.3	19.3	15.8	20.7
Edelweiss Multi Asset Allocation Fund Growth	₹63.15 ↑ 0.06	₹3,045	5,000	-2.1	5.8	-2	17.9	19.8	20.2
SBI Multi Asset Allocation Fund Growth	₹60.9517 ↑ 0.45	₹10,262	5,000	2.4	10.4	6.9	16.9	15.1	12.8
HDFC Multi-Asset Fund Growth	₹72.681 ↑ 0.04	₹4,715	5,000	1.5	7.8	4.9	15.3	15.5	13.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 26 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Multi-Asset Fund	UTI Multi Asset Fund	Edelweiss Multi Asset Allocation Fund	SBI Multi Asset Allocation Fund	HDFC Multi-Asset Fund
Point 1	Highest AUM (₹64,770 Cr).	Lower mid AUM (₹5,941 Cr).	Bottom quartile AUM (₹3,045 Cr).	Upper mid AUM (₹10,262 Cr).	Bottom quartile AUM (₹4,715 Cr).
Point 2	Oldest track record among peers (22 yrs).	Established history (16+ yrs).	Established history (16+ yrs).	Established history (19+ yrs).	Established history (20+ yrs).
Point 3	Rating: 2★ (lower mid).	Rating: 1★ (bottom quartile).	Rating: 1★ (bottom quartile).	Top rated.	Rating: 3★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	5Y return: 25.01% (top quartile).	5Y return: 15.82% (lower mid).	5Y return: 19.78% (upper mid).	5Y return: 15.07% (bottom quartile).	5Y return: 15.49% (bottom quartile).
Point 6	3Y return: 20.51% (top quartile).	3Y return: 19.32% (upper mid).	3Y return: 17.92% (lower mid).	3Y return: 16.86% (bottom quartile).	3Y return: 15.26% (bottom quartile).
Point 7	1Y return: 5.95% (upper mid).	1Y return: -0.27% (bottom quartile).	1Y return: -2.00% (bottom quartile).	1Y return: 6.85% (top quartile).	1Y return: 4.91% (lower mid).
Point 8	1M return: 1.85% (upper mid).	1M return: 1.17% (bottom quartile).	1M return: 1.01% (bottom quartile).	1M return: 3.47% (top quartile).	1M return: 1.81% (lower mid).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.96 (top quartile).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.08 (top quartile).	Sharpe: -0.52 (bottom quartile).	Sharpe: -0.50 (bottom quartile).	Sharpe: -0.10 (upper mid).	Sharpe: -0.16 (lower mid).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹64,770 Cr).
Oldest track record among peers (22 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 25.01% (top quartile).
3Y return: 20.51% (top quartile).
1Y return: 5.95% (upper mid).
1M return: 1.85% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.08 (top quartile).

UTI Multi Asset Fund

Lower mid AUM (₹5,941 Cr).
Established history (16+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.82% (lower mid).
3Y return: 19.32% (upper mid).
1Y return: -0.27% (bottom quartile).
1M return: 1.17% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.52 (bottom quartile).

Edelweiss Multi Asset Allocation Fund

Bottom quartile AUM (₹3,045 Cr).
Established history (16+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.78% (upper mid).
3Y return: 17.92% (lower mid).
1Y return: -2.00% (bottom quartile).
1M return: 1.01% (bottom quartile).
Alpha: 0.96 (top quartile).
Sharpe: -0.50 (bottom quartile).

SBI Multi Asset Allocation Fund

Upper mid AUM (₹10,262 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 15.07% (bottom quartile).
3Y return: 16.86% (bottom quartile).
1Y return: 6.85% (top quartile).
1M return: 3.47% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.10 (upper mid).

HDFC Multi-Asset Fund

Bottom quartile AUM (₹4,715 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
5Y return: 15.49% (bottom quartile).
3Y return: 15.26% (bottom quartile).
1Y return: 4.91% (lower mid).
1M return: 1.81% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.16 (lower mid).

Top 5 Lump sum Equity Savings Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Kotak Equity Savings Fund Growth	₹26.5665 ↑ 0.05	₹8,487	5,000	1.8	6.7	3.2	12.1	11.6	11.7
Edelweiss Equity Savings Fund Growth	₹25.4944 ↓ -0.01	₹843	5,000	1.6	5.5	5.8	11.5	10.8	13.4
SBI Equity Savings Fund Growth	₹23.836 ↓ -0.13	₹5,703	1,000	-1.1	5.3	2.7	11	11.9	12
HDFC Equity Savings Fund Growth	₹66.103 ↓ -0.09	₹5,691	5,000	-0.1	4.4	2	10.6	12.5	10.3
DSP Equity Savings Fund Growth	₹21.801 ↑ 0.00	₹3,591	1,000	-0.1	2.8	3	10.2	10.9	12.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Kotak Equity Savings Fund	Edelweiss Equity Savings Fund	SBI Equity Savings Fund	HDFC Equity Savings Fund	DSP Equity Savings Fund
Point 1	Highest AUM (₹8,487 Cr).	Bottom quartile AUM (₹843 Cr).	Upper mid AUM (₹5,703 Cr).	Lower mid AUM (₹5,691 Cr).	Bottom quartile AUM (₹3,591 Cr).
Point 2	Established history (10+ yrs).	Established history (10+ yrs).	Established history (10+ yrs).	Oldest track record among peers (21 yrs).	Established history (9+ yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.	Top rated.	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 11.62% (lower mid).	5Y return: 10.83% (bottom quartile).	5Y return: 11.89% (upper mid).	5Y return: 12.50% (top quartile).	5Y return: 10.87% (bottom quartile).
Point 6	3Y return: 12.09% (top quartile).	3Y return: 11.54% (upper mid).	3Y return: 11.01% (lower mid).	3Y return: 10.62% (bottom quartile).	3Y return: 10.22% (bottom quartile).
Point 7	1Y return: 3.22% (upper mid).	1Y return: 5.78% (top quartile).	1Y return: 2.66% (bottom quartile).	1Y return: 1.98% (bottom quartile).	1Y return: 2.96% (lower mid).
Point 8	1M return: 1.74% (top quartile).	1M return: 0.72% (lower mid).	1M return: 0.04% (bottom quartile).	1M return: 0.73% (upper 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: -0.55 (lower mid).	Sharpe: -0.01 (top quartile).	Sharpe: -0.36 (upper mid).	Sharpe: -0.76 (bottom quartile).	Sharpe: -0.56 (bottom quartile).

Kotak Equity Savings Fund

Highest AUM (₹8,487 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.62% (lower mid).
3Y return: 12.09% (top quartile).
1Y return: 3.22% (upper mid).
1M return: 1.74% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: -0.55 (lower mid).

Edelweiss Equity Savings Fund

Bottom quartile AUM (₹843 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 10.83% (bottom quartile).
3Y return: 11.54% (upper mid).
1Y return: 5.78% (top quartile).
1M return: 0.72% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.01 (top quartile).

SBI Equity Savings Fund

Upper mid AUM (₹5,703 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.89% (upper mid).
3Y return: 11.01% (lower mid).
1Y return: 2.66% (bottom quartile).
1M return: 0.04% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.36 (upper mid).

HDFC Equity Savings Fund

Lower mid AUM (₹5,691 Cr).
Oldest track record among peers (21 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 12.50% (top quartile).
3Y return: 10.62% (bottom quartile).
1Y return: 1.98% (bottom quartile).
1M return: 0.73% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.76 (bottom quartile).

DSP Equity Savings Fund

Bottom quartile AUM (₹3,591 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 10.87% (bottom quartile).
3Y return: 10.22% (bottom quartile).
1Y return: 2.96% (lower mid).
1M return: 0.57% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.56 (bottom quartile).

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
HDFC Retirement Savings Fund - Equity Plan Growth	₹49.973 ↓ -0.09	₹6,584	5,000	-3	6.1	-5.5	19.3	24.2	18
ICICI Prudential Child Care Plan (Gift) Growth	₹324.77 ↓ -0.71	₹1,373	5,000	-2.8	8.6	-1.4	18.7	19.2	16.9
HDFC Retirement Savings Fund - Hybrid - Equity Plan Growth	₹38.295 ↓ -0.07	₹1,660	5,000	-2.4	5.1	-3.2	15.5	17.5	14
Tata Retirement Savings Fund - Progressive Growth	₹63.5266 ↑ 0.23	₹2,047	5,000	-6	6.7	-8.1	15.2	15.4	21.7
Tata Retirement Savings Fund-Moderate Growth	₹63.1128 ↑ 0.21	₹2,115	5,000	-4.5	6.5	-4.5	14.4	14.6	19.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	HDFC Retirement Savings Fund - Equity Plan	ICICI Prudential Child Care Plan (Gift)	HDFC Retirement Savings Fund - Hybrid - Equity Plan	Tata Retirement Savings Fund - Progressive	Tata Retirement Savings Fund-Moderate
Point 1	Highest AUM (₹6,584 Cr).	Bottom quartile AUM (₹1,373 Cr).	Bottom quartile AUM (₹1,660 Cr).	Lower mid AUM (₹2,047 Cr).	Upper mid AUM (₹2,115 Cr).
Point 2	Established history (9+ yrs).	Oldest track record among peers (24 yrs).	Established history (9+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).
Point 3	Not Rated.	Rating: 2★ (lower mid).	Not Rated.	Top rated.	Rating: 5★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 24.20% (top quartile).	5Y return: 19.16% (upper mid).	5Y return: 17.55% (lower mid).	5Y return: 15.42% (bottom quartile).	5Y return: 14.56% (bottom quartile).
Point 6	3Y return: 19.30% (top quartile).	3Y return: 18.71% (upper mid).	3Y return: 15.50% (lower mid).	3Y return: 15.21% (bottom quartile).	3Y return: 14.39% (bottom quartile).
Point 7	1Y return: -5.47% (bottom quartile).	1Y return: -1.35% (top quartile).	1Y return: -3.23% (upper mid).	1Y return: -8.05% (bottom quartile).	1Y return: -4.49% (lower mid).
Point 8	1M return: 0.74% (top quartile).	1M return: 0.51% (lower mid).	1M return: 0.69% (upper mid).	1M return: 0.13% (bottom quartile).	1M return: 0.47% (bottom quartile).
Point 9	Alpha: -1.34 (bottom quartile).	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: -0.19 (bottom quartile).	Alpha: 0.00 (lower mid).
Point 10	Sharpe: -0.72 (bottom quartile).	Sharpe: -0.26 (top quartile).	Sharpe: -0.74 (bottom quartile).	Sharpe: -0.60 (lower mid).	Sharpe: -0.56 (upper mid).

HDFC Retirement Savings Fund - Equity Plan

Highest AUM (₹6,584 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 24.20% (top quartile).
3Y return: 19.30% (top quartile).
1Y return: -5.47% (bottom quartile).
1M return: 0.74% (top quartile).
Alpha: -1.34 (bottom quartile).
Sharpe: -0.72 (bottom quartile).

ICICI Prudential Child Care Plan (Gift)

Bottom quartile AUM (₹1,373 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.16% (upper mid).
3Y return: 18.71% (upper mid).
1Y return: -1.35% (top quartile).
1M return: 0.51% (lower mid).
Alpha: 0.00 (top quartile).
Sharpe: -0.26 (top quartile).

HDFC Retirement Savings Fund - Hybrid - Equity Plan

Bottom quartile AUM (₹1,660 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 17.55% (lower mid).
3Y return: 15.50% (lower mid).
1Y return: -3.23% (upper mid).
1M return: 0.69% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.74 (bottom quartile).

Tata Retirement Savings Fund - Progressive

Lower mid AUM (₹2,047 Cr).
Established history (13+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 15.42% (bottom quartile).
3Y return: 15.21% (bottom quartile).
1Y return: -8.05% (bottom quartile).
1M return: 0.13% (bottom quartile).
Alpha: -0.19 (bottom quartile).
Sharpe: -0.60 (lower mid).

Tata Retirement Savings Fund-Moderate

Upper mid AUM (₹2,115 Cr).
Established history (13+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 14.56% (bottom quartile).
3Y return: 14.39% (bottom quartile).
1Y return: -4.49% (lower mid).
1M return: 0.47% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.56 (upper mid).

Best Lump sum Mutual Fund on 1 Month Performance

1. DSP World Gold Fund

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

Research Highlights for DSP World Gold Fund

Highest AUM (₹1,421 Cr).
Oldest track record among peers (18 yrs).
Top rated.
Risk profile: High.
5Y return: 16.46% (lower mid).
3Y return: 52.04% (top quartile).
1Y return: 86.77% (top quartile).
Alpha: 3.15 (top quartile).
Sharpe: 1.80 (lower mid).
Information ratio: -1.09 (bottom quartile).
Top sector: Basic Materials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding BGF World Gold I2 (~76.6%).
Top-3 holdings concentration ~100.2%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (26 Sep 25)	₹43.2497 ↑ 0.42 (0.97 %)
Net Assets (Cr)	₹1,421 on 31 Aug 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	1.8
Information Ratio	-1.09
Alpha Ratio	3.15
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
30 Sep 20	₹10,000
30 Sep 21	₹7,753
30 Sep 22	₹6,406
30 Sep 23	₹7,497
30 Sep 24	₹10,968

DSP World Gold 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 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 26 Sep 25

Duration	Returns
1 Month	21%
3 Month	41%
6 Month	66.7%
1 Year	86.8%
3 Year	52%
5 Year	16.5%
10 Year
15 Year
Since launch	8.5%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for DSP World Gold Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	12.51 Yr.

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

Equity Sector Allocation

Sector	Value
Basic Materials	95.55%

Asset Allocation

Asset Class	Value
Cash	1.55%
Equity	95.62%
Debt	0.01%
Other	2.83%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	77%	₹1,088 Cr	1,545,650 ↓ -32,885
VanEck Gold Miners ETF - \| GDX	22%	₹318 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	1%	₹18 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹3 Cr

2. DSP World Mining Fund

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

Research Highlights for DSP World Mining Fund

Bottom quartile AUM (₹148 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 17.36% (top quartile).
3Y return: 20.73% (bottom quartile).
1Y return: 25.02% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.73 (bottom quartile).
Information ratio: 0.00 (top quartile).
Top sector: Basic Materials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding BGF World Mining I2 (~99.1%).
Top-3 holdings concentration ~100.4%.

Below is the key information for DSP World Mining Fund

DSP World Mining Fund Growth
Launch Date	29 Dec 09
NAV (26 Sep 25)	₹22.1608 ↑ 0.20 (0.93 %)
Net Assets (Cr)	₹148 on 31 Aug 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.14
Sharpe Ratio	0.73
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
30 Sep 20	₹10,000
30 Sep 21	₹12,815
30 Sep 22	₹12,989
30 Sep 23	₹15,186
30 Sep 24	₹17,544

DSP World Mining Fund SIP Returns

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

Returns for DSP World Mining Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Sep 25

Duration	Returns
1 Month	13.3%
3 Month	27.5%
6 Month	33.6%
1 Year	25%
3 Year	20.7%
5 Year	17.4%
10 Year
15 Year
Since launch	5.2%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for DSP World Mining Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	12.51 Yr.

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

Equity Sector Allocation

Sector	Value
Basic Materials	96.53%
Energy	1.47%

Asset Allocation

Asset Class	Value
Cash	1.67%
Equity	98%
Debt	0%
Other	0.32%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Mining I2 Investment Fund \| -	99%	₹147 Cr	196,725
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	1%	₹2 Cr
Net Receivables/Payables Net Current Assets \| -	0%	₹0 Cr

3. Aditya Birla Sun Life Gold Fund

An Open ended Fund of Funds Scheme with the investment objective to provide returns that tracks returns provided by Birla Sun Life Gold ETF (BSL Gold ETF).

Research Highlights for Aditya Birla Sun Life Gold Fund

Upper mid AUM (₹725 Cr).
Established history (13+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 16.79% (upper mid).
3Y return: 30.76% (upper mid).
1Y return: 51.32% (upper mid).
1M return: 13.03% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 2.66 (top quartile).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding Aditya BSL Gold ETF (~99.9%).
Top-3 holdings concentration ~100.4%.

Below is the key information for Aditya Birla Sun Life Gold Fund

Aditya Birla Sun Life Gold Fund Growth
Launch Date	20 Mar 12
NAV (29 Sep 25)	₹33.8101 ↑ 0.80 (2.44 %)
Net Assets (Cr)	₹725 on 31 Aug 25
Category	Gold - Gold
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	0.51
Sharpe Ratio	2.66
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹8,974
30 Sep 22	₹9,669
30 Sep 23	₹11,048
30 Sep 24	₹14,179

Aditya Birla Sun Life Gold 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 Aditya Birla Sun Life 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 26 Sep 25

Duration	Returns
1 Month	13%
3 Month	21%
6 Month	29.3%
1 Year	51.3%
3 Year	30.8%
5 Year	16.8%
10 Year
15 Year
Since launch	9.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	18.7%
2023	14.5%
2022	12.3%
2021	-5%
2020	26%
2019	21.3%
2018	6.8%
2017	1.6%
2016	11.5%
2015	-7.2%

Fund Manager information for Aditya Birla Sun Life Gold Fund

Name	Since	Tenure
Priya Sridhar	31 Dec 24	0.67 Yr.

Data below for Aditya Birla Sun Life Gold Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	1.51%
Other	98.49%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Aditya BSL Gold ETF - \| -	100%	₹724 Cr	79,896,220 ↑ 3,972,596
Clearing Corporation Of India Limited CBLO/Reverse Repo \| -	0%	₹2 Cr
Net Receivables / (Payables) Net Current Assets \| -	0%	-₹1 Cr

4. Invesco India Gold Fund

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

Research Highlights for Invesco India Gold Fund

Lower mid AUM (₹193 Cr).
Established history (13+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.30% (bottom quartile).
3Y return: 30.16% (lower mid).
1Y return: 47.63% (lower mid).
1M return: 12.99% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.51 (upper mid).
Information ratio: 0.00 (lower mid).
Top bond sector: Cash Equivalent.
Largest holding Invesco India Gold ETF (~95.7%).
Top-3 holdings concentration ~100.0%.

Below is the key information for Invesco India Gold Fund

Invesco India Gold Fund Growth
Launch Date	5 Dec 11
NAV (29 Sep 25)	₹32.5694 ↑ 0.67 (2.10 %)
Net Assets (Cr)	₹193 on 31 Aug 25
Category	Gold - Gold
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	0.37
Sharpe Ratio	2.51
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-6 Months (2%),6-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹8,950
30 Sep 22	₹9,781
30 Sep 23	₹11,096
30 Sep 24	₹14,294

Invesco India Gold 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 Invesco India Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Sep 25

Duration	Returns
1 Month	13%
3 Month	19.6%
6 Month	27.9%
1 Year	47.6%
3 Year	30.2%
5 Year	16.3%
10 Year
15 Year
Since launch	8.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	18.8%
2023	14.5%
2022	12.8%
2021	-5.5%
2020	27.2%
2019	21.4%
2018	6.6%
2017	1.3%
2016	21.6%
2015	-15.1%

Fund Manager information for Invesco India Gold Fund

Name	Since	Tenure
Krishna Cheemalapati	1 Mar 25	0.5 Yr.

Data below for Invesco India Gold Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	5.97%
Other	94.03%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Invesco India Gold ETF - \| -	96%	₹185 Cr	207,678 ↑ 7,236
Triparty Repo CBLO/Reverse Repo \| -	4%	₹8 Cr
Net Receivables / (Payables) CBLO \| -	0%	₹0 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.

How to Invest in Best Mutual Funds Online?

Open Free Investment Account for Lifetime at Fincash.com.

Complete your Registration and KYC Process

Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!

Get Started

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.