5 Best Performing Lump sum Investments 2026 - 2027

Updated on February 16, 2026 , 155836 views

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

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

What is Lump Sum Investment in Mutual Funds?

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

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

Key Difference (Lump Sum vs SIP):

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

Why Choose Lump Sum Investments?

Lump sum investing is suitable for:

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

Advantages:

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

Risks:

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

Best Performing Lump Sum Mutual Funds in India 2026

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

Fund Selection Methodology used to find 9 funds

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

Top 5 Lump sum Large Cap Equity Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
IDBI India Top 100 Equity Fund Growth	₹44.16 ↑ 0.05	₹655	5,000	9.2	12.5	15.4	21.9	12.6
Nippon India Large Cap Fund Growth	₹92.4087 ↓ -1.49	₹50,876	5,000	-1.7	0.9	14.1	18.7	17.4	9.2
DSP TOP 100 Equity Growth	₹477.644 ↓ -5.59	₹7,285	1,000	-0.2	2.8	11.6	18	13.5	8.4
Bandhan Large Cap Fund Growth	₹78.769 ↓ -1.19	₹2,051	5,000	0.2	3.8	16.8	17.8	13.1	8.2
ICICI Prudential Bluechip Fund Growth	₹112.83 ↓ -1.63	₹78,502	5,000	-2.3	1.4	12.7	17.6	15.5	11.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jul 23

Research Highlights & Commentary of 5 Funds showcased

Commentary	IDBI India Top 100 Equity Fund	Nippon India Large Cap Fund	DSP TOP 100 Equity	Bandhan Large Cap Fund	ICICI Prudential Bluechip Fund
Point 1	Bottom quartile AUM (₹655 Cr).	Upper mid AUM (₹50,876 Cr).	Lower mid AUM (₹7,285 Cr).	Bottom quartile AUM (₹2,051 Cr).	Highest AUM (₹78,502 Cr).
Point 2	Established history (13+ yrs).	Established history (18+ yrs).	Oldest track record among peers (22 yrs).	Established history (19+ yrs).	Established history (17+ yrs).
Point 3	Rating: 3★ (lower mid).	Top rated.	Rating: 2★ (bottom quartile).	Rating: 2★ (bottom quartile).	Rating: 4★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 12.61% (bottom quartile).	5Y return: 17.35% (top quartile).	5Y return: 13.50% (lower mid).	5Y return: 13.15% (bottom quartile).	5Y return: 15.51% (upper mid).
Point 6	3Y return: 21.88% (top quartile).	3Y return: 18.71% (upper mid).	3Y return: 18.00% (lower mid).	3Y return: 17.77% (bottom quartile).	3Y return: 17.64% (bottom quartile).
Point 7	1Y return: 15.39% (upper mid).	1Y return: 14.09% (lower mid).	1Y return: 11.61% (bottom quartile).	1Y return: 16.85% (top quartile).	1Y return: 12.69% (bottom quartile).
Point 8	Alpha: 2.11 (top quartile).	Alpha: -0.94 (lower mid).	Alpha: -1.17 (bottom quartile).	Alpha: -2.13 (bottom quartile).	Alpha: 1.30 (upper mid).
Point 9	Sharpe: 1.09 (top quartile).	Sharpe: 0.29 (lower mid).	Sharpe: 0.26 (bottom quartile).	Sharpe: 0.21 (bottom quartile).	Sharpe: 0.48 (upper mid).
Point 10	Information ratio: 0.14 (bottom quartile).	Information ratio: 1.37 (top quartile).	Information ratio: 0.74 (lower mid).	Information ratio: 0.72 (bottom quartile).	Information ratio: 1.26 (upper mid).

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% (upper mid).
Alpha: 2.11 (top quartile).
Sharpe: 1.09 (top quartile).
Information ratio: 0.14 (bottom quartile).

Nippon India Large Cap Fund

Upper mid AUM (₹50,876 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 17.35% (top quartile).
3Y return: 18.71% (upper mid).
1Y return: 14.09% (lower mid).
Alpha: -0.94 (lower mid).
Sharpe: 0.29 (lower mid).
Information ratio: 1.37 (top quartile).

DSP TOP 100 Equity

Lower mid AUM (₹7,285 Cr).
Oldest track record among peers (22 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 13.50% (lower mid).
3Y return: 18.00% (lower mid).
1Y return: 11.61% (bottom quartile).
Alpha: -1.17 (bottom quartile).
Sharpe: 0.26 (bottom quartile).
Information ratio: 0.74 (lower mid).

Bandhan Large Cap Fund

Bottom quartile AUM (₹2,051 Cr).
Established history (19+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 13.15% (bottom quartile).
3Y return: 17.77% (bottom quartile).
1Y return: 16.85% (top quartile).
Alpha: -2.13 (bottom quartile).
Sharpe: 0.21 (bottom quartile).
Information ratio: 0.72 (bottom quartile).

ICICI Prudential Bluechip Fund

Highest AUM (₹78,502 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 15.51% (upper mid).
3Y return: 17.64% (bottom quartile).
1Y return: 12.69% (bottom quartile).
Alpha: 1.30 (upper mid).
Sharpe: 0.48 (upper mid).
Information ratio: 1.26 (upper mid).

About the Fincash Research Team

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

Who We Are

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

Our Expertise

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

Our Research Process

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

Why Trust Us

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

Disclaimer

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

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Top 5 Lump sum Mid Cap Equity Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Motilal Oswal Midcap 30 Fund Growth	₹91.571 ↓ -1.91	₹36,880	5,000	-11.9	-11.5	-1	22.3	23.3	-12.1
Edelweiss Mid Cap Fund Growth	₹102.731 ↓ -1.39	₹13,650	5,000	-1.9	1.3	18.5	25.5	21.4	3.8
Invesco India Mid Cap Fund Growth	₹179.95 ↓ -3.08	₹10,296	5,000	-3.6	-1.6	22.1	26.9	21.1	6.3
ICICI Prudential MidCap Fund Growth	₹316.99 ↓ -4.26	₹7,132	5,000	1.1	5.7	26.2	24.8	20.6	11.1
Sundaram Mid Cap Fund Growth	₹1,422.52 ↓ -23.02	₹13,293	5,000	-1.7	2.2	19.8	24.8	20	4.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Feb 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Motilal Oswal Midcap 30 Fund	Edelweiss Mid Cap Fund	Invesco India Mid Cap Fund	ICICI Prudential MidCap Fund	Sundaram Mid Cap Fund
Point 1	Highest AUM (₹36,880 Cr).	Upper mid AUM (₹13,650 Cr).	Bottom quartile AUM (₹10,296 Cr).	Bottom quartile AUM (₹7,132 Cr).	Lower mid AUM (₹13,293 Cr).
Point 2	Established history (11+ yrs).	Established history (18+ yrs).	Established history (18+ yrs).	Established history (21+ yrs).	Oldest track record among peers (23 yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Rating: 2★ (bottom quartile).	Top rated.
Point 4	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 23.27% (top quartile).	5Y return: 21.38% (upper mid).	5Y return: 21.07% (lower mid).	5Y return: 20.64% (bottom quartile).	5Y return: 19.97% (bottom quartile).
Point 6	3Y return: 22.27% (bottom quartile).	3Y return: 25.49% (upper mid).	3Y return: 26.94% (top quartile).	3Y return: 24.76% (bottom quartile).	3Y return: 24.84% (lower mid).
Point 7	1Y return: -1.01% (bottom quartile).	1Y return: 18.51% (bottom quartile).	1Y return: 22.07% (upper mid).	1Y return: 26.15% (top quartile).	1Y return: 19.76% (lower mid).
Point 8	Alpha: -18.12 (bottom quartile).	Alpha: -1.98 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 4.76 (top quartile).	Alpha: -1.77 (lower mid).
Point 9	Sharpe: -0.79 (bottom quartile).	Sharpe: -0.02 (bottom quartile).	Sharpe: 0.11 (upper mid).	Sharpe: 0.33 (top quartile).	Sharpe: -0.01 (lower mid).
Point 10	Information ratio: 0.10 (lower mid).	Information ratio: 0.40 (top quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: -0.16 (bottom quartile).	Information ratio: 0.13 (upper mid).

Motilal Oswal Midcap 30 Fund

Highest AUM (₹36,880 Cr).
Established history (11+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 23.27% (top quartile).
3Y return: 22.27% (bottom quartile).
1Y return: -1.01% (bottom quartile).
Alpha: -18.12 (bottom quartile).
Sharpe: -0.79 (bottom quartile).
Information ratio: 0.10 (lower mid).

Edelweiss Mid Cap Fund

Upper mid AUM (₹13,650 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 21.38% (upper mid).
3Y return: 25.49% (upper mid).
1Y return: 18.51% (bottom quartile).
Alpha: -1.98 (bottom quartile).
Sharpe: -0.02 (bottom quartile).
Information ratio: 0.40 (top quartile).

Invesco India Mid Cap Fund

Bottom quartile AUM (₹10,296 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 21.07% (lower mid).
3Y return: 26.94% (top quartile).
1Y return: 22.07% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.11 (upper mid).
Information ratio: 0.00 (bottom quartile).

ICICI Prudential MidCap Fund

Bottom quartile AUM (₹7,132 Cr).
Established history (21+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 20.64% (bottom quartile).
3Y return: 24.76% (bottom quartile).
1Y return: 26.15% (top quartile).
Alpha: 4.76 (top quartile).
Sharpe: 0.33 (top quartile).
Information ratio: -0.16 (bottom quartile).

Sundaram Mid Cap Fund

Lower mid AUM (₹13,293 Cr).
Oldest track record among peers (23 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 19.97% (bottom quartile).
3Y return: 24.84% (lower mid).
1Y return: 19.76% (lower mid).
Alpha: -1.77 (lower mid).
Sharpe: -0.01 (lower mid).
Information ratio: 0.13 (upper 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	₹133.987 ↓ -1.31	₹37,753	5,000	-5.9	-5.9	12.4	18.4	20.7	-0.6
DSP Small Cap Fund Growth	₹194.044 ↓ -2.47	₹16,935	1,000	-0.8	1	20	20.6	20.5	-2.8
Sundaram Small Cap Fund Growth	₹255.679 ↓ -3.39	₹3,401	5,000	-3.5	0.1	17.4	20	20.1	0.4
Franklin India Smaller Companies Fund Growth	₹162.408 ↓ -1.66	₹13,238	5,000	-5.2	-4.2	8.4	19	19.9	-8.4
IDBI Small Cap Fund Growth	₹28.612 ↓ -0.37	₹619	5,000	-5.4	-4	5.1	16.9	19.4	-13.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Feb 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	HDFC Small Cap Fund	DSP Small Cap Fund	Sundaram Small Cap Fund	Franklin India Smaller Companies Fund	IDBI Small Cap Fund
Point 1	Highest AUM (₹37,753 Cr).	Upper mid AUM (₹16,935 Cr).	Bottom quartile AUM (₹3,401 Cr).	Lower mid AUM (₹13,238 Cr).	Bottom quartile AUM (₹619 Cr).
Point 2	Established history (17+ yrs).	Established history (18+ yrs).	Oldest track record among peers (21 yrs).	Established history (20+ yrs).	Established history (8+ yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).	Rating: 4★ (lower mid).	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 20.73% (top quartile).	5Y return: 20.47% (upper mid).	5Y return: 20.08% (lower mid).	5Y return: 19.86% (bottom quartile).	5Y return: 19.40% (bottom quartile).
Point 6	3Y return: 18.45% (bottom quartile).	3Y return: 20.64% (top quartile).	3Y return: 20.00% (upper mid).	3Y return: 18.96% (lower mid).	3Y return: 16.90% (bottom quartile).
Point 7	1Y return: 12.40% (lower mid).	1Y return: 20.03% (top quartile).	1Y return: 17.37% (upper mid).	1Y return: 8.35% (bottom quartile).	1Y return: 5.12% (bottom quartile).
Point 8	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 3.98 (top quartile).	Alpha: -5.23 (bottom quartile).	Alpha: -8.99 (bottom quartile).
Point 9	Sharpe: -0.23 (upper mid).	Sharpe: -0.25 (lower mid).	Sharpe: -0.16 (top quartile).	Sharpe: -0.60 (bottom quartile).	Sharpe: -0.72 (bottom quartile).
Point 10	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: -0.20 (lower mid).	Information ratio: -0.26 (bottom quartile).	Information ratio: -0.59 (bottom quartile).

HDFC Small Cap Fund

Highest AUM (₹37,753 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 20.73% (top quartile).
3Y return: 18.45% (bottom quartile).
1Y return: 12.40% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.23 (upper mid).
Information ratio: 0.00 (top quartile).

DSP Small Cap Fund

Upper mid AUM (₹16,935 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 20.47% (upper mid).
3Y return: 20.64% (top quartile).
1Y return: 20.03% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.25 (lower mid).
Information ratio: 0.00 (upper mid).

Sundaram Small Cap Fund

Bottom quartile AUM (₹3,401 Cr).
Oldest track record among peers (21 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 20.08% (lower mid).
3Y return: 20.00% (upper mid).
1Y return: 17.37% (upper mid).
Alpha: 3.98 (top quartile).
Sharpe: -0.16 (top quartile).
Information ratio: -0.20 (lower mid).

Franklin India Smaller Companies Fund

Lower mid AUM (₹13,238 Cr).
Established history (20+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.86% (bottom quartile).
3Y return: 18.96% (lower mid).
1Y return: 8.35% (bottom quartile).
Alpha: -5.23 (bottom quartile).
Sharpe: -0.60 (bottom quartile).
Information ratio: -0.26 (bottom quartile).

IDBI Small Cap Fund

Bottom quartile AUM (₹619 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 19.40% (bottom quartile).
3Y return: 16.90% (bottom quartile).
1Y return: 5.12% (bottom quartile).
Alpha: -8.99 (bottom quartile).
Sharpe: -0.72 (bottom quartile).
Information ratio: -0.59 (bottom quartile).

Top 5 Lump sum Diversified/Multi Cap Equity Mutual Fund

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
IDBI Diversified Equity Fund Growth	₹37.99 ↑ 0.14	₹382	5,000	10.2	13.2	13.5	22.7	12
HDFC Equity Fund Growth	₹2,071.17 ↓ -25.33	₹96,295	5,000	-0.6	3.1	15.5	21.8	20.3	11.4
Nippon India Multi Cap Fund Growth	₹297.181 ↓ -4.25	₹50,352	5,000	-2.5	-1.7	15	21.5	21.6	4.1
Motilal Oswal Multicap 35 Fund Growth	₹57.4447 ↓ -1.07	₹13,862	5,000	-8.9	-6.6	4.7	21.4	12.8	-5.6
Mahindra Badhat Yojana Growth	₹35.8231 ↓ -0.46	₹6,133	1,000	-1.4	1.4	15.8	20.8	18.6	3.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jul 23

Research Highlights & Commentary of 5 Funds showcased

Commentary	IDBI Diversified Equity Fund	HDFC Equity Fund	Nippon India Multi Cap Fund	Motilal Oswal Multicap 35 Fund	Mahindra Badhat Yojana
Point 1	Bottom quartile AUM (₹382 Cr).	Highest AUM (₹96,295 Cr).	Upper mid AUM (₹50,352 Cr).	Lower mid AUM (₹13,862 Cr).	Bottom quartile AUM (₹6,133 Cr).
Point 2	Established history (11+ yrs).	Oldest track record among peers (31 yrs).	Established history (20+ yrs).	Established history (11+ yrs).	Established history (8+ yrs).
Point 3	Rating: 2★ (lower mid).	Rating: 3★ (upper mid).	Rating: 2★ (bottom quartile).	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: 12.03% (bottom quartile).	5Y return: 20.34% (upper mid).	5Y return: 21.63% (top quartile).	5Y return: 12.79% (bottom quartile).	5Y return: 18.62% (lower mid).
Point 6	3Y return: 22.73% (top quartile).	3Y return: 21.84% (upper mid).	3Y return: 21.52% (lower mid).	3Y return: 21.40% (bottom quartile).	3Y return: 20.84% (bottom quartile).
Point 7	1Y return: 13.54% (bottom quartile).	1Y return: 15.51% (upper mid).	1Y return: 15.04% (lower mid).	1Y return: 4.69% (bottom quartile).	1Y return: 15.82% (top quartile).
Point 8	Alpha: -1.07 (upper mid).	Alpha: 3.70 (top quartile).	Alpha: -1.30 (lower mid).	Alpha: -12.91 (bottom quartile).	Alpha: -1.73 (bottom quartile).
Point 9	Sharpe: 1.01 (top quartile).	Sharpe: 0.53 (upper mid).	Sharpe: -0.05 (lower mid).	Sharpe: -0.51 (bottom quartile).	Sharpe: -0.07 (bottom quartile).
Point 10	Information ratio: -0.53 (bottom quartile).	Information ratio: 1.24 (top quartile).	Information ratio: 0.64 (upper mid).	Information ratio: 0.54 (lower mid).	Information ratio: 0.17 (bottom quartile).

IDBI Diversified Equity Fund

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

HDFC Equity Fund

Highest AUM (₹96,295 Cr).
Oldest track record among peers (31 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 20.34% (upper mid).
3Y return: 21.84% (upper mid).
1Y return: 15.51% (upper mid).
Alpha: 3.70 (top quartile).
Sharpe: 0.53 (upper mid).
Information ratio: 1.24 (top quartile).

Nippon India Multi Cap Fund

Upper mid AUM (₹50,352 Cr).
Established history (20+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 21.63% (top quartile).
3Y return: 21.52% (lower mid).
1Y return: 15.04% (lower mid).
Alpha: -1.30 (lower mid).
Sharpe: -0.05 (lower mid).
Information ratio: 0.64 (upper mid).

Motilal Oswal Multicap 35 Fund

Lower mid AUM (₹13,862 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 12.79% (bottom quartile).
3Y return: 21.40% (bottom quartile).
1Y return: 4.69% (bottom quartile).
Alpha: -12.91 (bottom quartile).
Sharpe: -0.51 (bottom quartile).
Information ratio: 0.54 (lower mid).

Mahindra Badhat Yojana

Bottom quartile AUM (₹6,133 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 18.62% (lower mid).
3Y return: 20.84% (bottom quartile).
1Y return: 15.82% (top quartile).
Alpha: -1.73 (bottom quartile).
Sharpe: -0.07 (bottom quartile).
Information ratio: 0.17 (bottom quartile).

Top 5 Lump sum (ELSS) Equity Linked Saving Scheme

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
SBI Magnum Tax Gain Fund Growth	₹445.873 ↓ -5.81	₹32,609	500	-0.7	2.3	11.5	23.4	19.2	6.6
Motilal Oswal Long Term Equity Fund Growth	₹48.7612 ↓ -0.67	₹4,341	500	-7.9	-4.5	11.9	21.4	16.9	-9.1
DSP Tax Saver Fund Growth	₹143.871 ↓ -1.86	₹17,609	500	1.5	6	16.4	20.9	17.1	7.5
IDBI Equity Advantage Fund Growth	₹43.39 ↑ 0.04	₹485	500	9.7	15.1	16.9	20.8	10
HDFC Tax Saver Fund Growth	₹1,435.86 ↓ -20.78	₹17,163	500	-2.1	0.7	12.8	20.8	19.4	10.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Feb 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	SBI Magnum Tax Gain Fund	Motilal Oswal Long Term Equity Fund	DSP Tax Saver Fund	IDBI Equity Advantage Fund	HDFC Tax Saver Fund
Point 1	Highest AUM (₹32,609 Cr).	Bottom quartile AUM (₹4,341 Cr).	Upper mid AUM (₹17,609 Cr).	Bottom quartile AUM (₹485 Cr).	Lower mid AUM (₹17,163 Cr).
Point 2	Established history (18+ yrs).	Established history (11+ yrs).	Established history (19+ yrs).	Established history (12+ yrs).	Oldest track record among peers (29 yrs).
Point 3	Rating: 2★ (lower mid).	Not Rated.	Top rated.	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: 19.22% (upper mid).	5Y return: 16.92% (bottom quartile).	5Y return: 17.06% (lower mid).	5Y return: 9.97% (bottom quartile).	5Y return: 19.37% (top quartile).
Point 6	3Y return: 23.37% (top quartile).	3Y return: 21.40% (upper mid).	3Y return: 20.87% (lower mid).	3Y return: 20.84% (bottom quartile).	3Y return: 20.76% (bottom quartile).
Point 7	1Y return: 11.46% (bottom quartile).	1Y return: 11.91% (bottom quartile).	1Y return: 16.45% (upper mid).	1Y return: 16.92% (top quartile).	1Y return: 12.77% (lower mid).
Point 8	Alpha: -0.86 (bottom quartile).	Alpha: -16.15 (bottom quartile).	Alpha: -0.15 (lower mid).	Alpha: 1.78 (upper mid).	Alpha: 2.58 (top quartile).
Point 9	Sharpe: 0.10 (bottom quartile).	Sharpe: -0.43 (bottom quartile).	Sharpe: 0.16 (lower mid).	Sharpe: 1.21 (top quartile).	Sharpe: 0.41 (upper mid).
Point 10	Information ratio: 1.95 (top quartile).	Information ratio: 0.53 (bottom quartile).	Information ratio: 0.96 (lower mid).	Information ratio: -1.13 (bottom quartile).	Information ratio: 1.27 (upper mid).

SBI Magnum Tax Gain Fund

Highest AUM (₹32,609 Cr).
Established history (18+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.22% (upper mid).
3Y return: 23.37% (top quartile).
1Y return: 11.46% (bottom quartile).
Alpha: -0.86 (bottom quartile).
Sharpe: 0.10 (bottom quartile).
Information ratio: 1.95 (top quartile).

Motilal Oswal Long Term Equity Fund

Bottom quartile AUM (₹4,341 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.92% (bottom quartile).
3Y return: 21.40% (upper mid).
1Y return: 11.91% (bottom quartile).
Alpha: -16.15 (bottom quartile).
Sharpe: -0.43 (bottom quartile).
Information ratio: 0.53 (bottom quartile).

DSP Tax Saver Fund

Upper mid AUM (₹17,609 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 17.06% (lower mid).
3Y return: 20.87% (lower mid).
1Y return: 16.45% (upper mid).
Alpha: -0.15 (lower mid).
Sharpe: 0.16 (lower mid).
Information ratio: 0.96 (lower mid).

IDBI Equity Advantage Fund

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

HDFC Tax Saver Fund

Lower mid AUM (₹17,163 Cr).
Oldest track record among peers (29 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.37% (top quartile).
3Y return: 20.76% (bottom quartile).
1Y return: 12.77% (lower mid).
Alpha: 2.58 (top quartile).
Sharpe: 0.41 (upper mid).
Information ratio: 1.27 (upper mid).

Top 5 Lump sum Sector Equity Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
SBI PSU Fund Growth	₹36.2959 ↓ -0.41	₹5,817	5,000	6.6	15.7	30.7	33.8	27.7	11.3
Invesco India PSU Equity Fund Growth	₹67.82 ↓ -1.04	₹1,449	5,000	1.8	9.3	29.3	31.5	25.8	10.3
Franklin India Opportunities Fund Growth	₹258.796 ↑ 0.77	₹8,380	5,000	-1.1	2	17.5	29.7	20	3.1
LIC MF Infrastructure Fund Growth	₹50.0352 ↓ -0.72	₹1,003	5,000	0	2.5	23	28.4	23.5	-3.7
Franklin Build India Fund Growth	₹147.965 ↓ -1.71	₹3,036	5,000	1.5	4.6	21.2	27.6	23.7	3.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Feb 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	SBI PSU Fund	Invesco India PSU Equity Fund	Franklin India Opportunities Fund	LIC MF Infrastructure Fund	Franklin Build India Fund
Point 1	Upper mid AUM (₹5,817 Cr).	Bottom quartile AUM (₹1,449 Cr).	Highest AUM (₹8,380 Cr).	Bottom quartile AUM (₹1,003 Cr).	Lower mid AUM (₹3,036 Cr).
Point 2	Established history (15+ yrs).	Established history (16+ yrs).	Oldest track record among peers (26 yrs).	Established history (17+ yrs).	Established history (16+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Not Rated.	Top rated.
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 27.74% (top quartile).	5Y return: 25.82% (upper mid).	5Y return: 20.04% (bottom quartile).	5Y return: 23.45% (bottom quartile).	5Y return: 23.68% (lower mid).
Point 6	3Y return: 33.84% (top quartile).	3Y return: 31.51% (upper mid).	3Y return: 29.73% (lower mid).	3Y return: 28.38% (bottom quartile).	3Y return: 27.58% (bottom quartile).
Point 7	1Y return: 30.67% (top quartile).	1Y return: 29.25% (upper mid).	1Y return: 17.50% (bottom quartile).	1Y return: 23.04% (lower mid).	1Y return: 21.22% (bottom quartile).
Point 8	Alpha: -0.22 (upper mid).	Alpha: -1.90 (lower mid).	Alpha: -4.27 (bottom quartile).	Alpha: -18.43 (bottom quartile).	Alpha: 0.00 (top quartile).
Point 9	Sharpe: 0.33 (top quartile).	Sharpe: 0.27 (upper mid).	Sharpe: -0.10 (bottom quartile).	Sharpe: -0.21 (bottom quartile).	Sharpe: -0.05 (lower mid).
Point 10	Information ratio: -0.47 (bottom quartile).	Information ratio: -0.37 (bottom quartile).	Information ratio: 1.69 (top quartile).	Information ratio: 0.28 (upper mid).	Information ratio: 0.00 (lower mid).

SBI PSU Fund

Upper mid AUM (₹5,817 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 27.74% (top quartile).
3Y return: 33.84% (top quartile).
1Y return: 30.67% (top quartile).
Alpha: -0.22 (upper mid).
Sharpe: 0.33 (top quartile).
Information ratio: -0.47 (bottom quartile).

Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,449 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 25.82% (upper mid).
3Y return: 31.51% (upper mid).
1Y return: 29.25% (upper mid).
Alpha: -1.90 (lower mid).
Sharpe: 0.27 (upper mid).
Information ratio: -0.37 (bottom quartile).

Franklin India Opportunities Fund

Highest AUM (₹8,380 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 20.04% (bottom quartile).
3Y return: 29.73% (lower mid).
1Y return: 17.50% (bottom quartile).
Alpha: -4.27 (bottom quartile).
Sharpe: -0.10 (bottom quartile).
Information ratio: 1.69 (top quartile).

LIC MF Infrastructure Fund

Bottom quartile AUM (₹1,003 Cr).
Established history (17+ yrs).
Not Rated.
Risk profile: High.
5Y return: 23.45% (bottom quartile).
3Y return: 28.38% (bottom quartile).
1Y return: 23.04% (lower mid).
Alpha: -18.43 (bottom quartile).
Sharpe: -0.21 (bottom quartile).
Information ratio: 0.28 (upper mid).

Franklin Build India Fund

Lower mid AUM (₹3,036 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: High.
5Y return: 23.68% (lower mid).
3Y return: 27.58% (bottom quartile).
1Y return: 21.22% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: -0.05 (lower mid).
Information ratio: 0.00 (lower mid).

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

Top 5 Lump sum Ultra Short Term Debt Mutual Funds

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

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹570.293 ↑ 0.06	₹23,615	1,000	1.4	3	7.2	7.4	7.4	6.81%	5M 19D	6M 11D
ICICI Prudential Ultra Short Term Fund Growth	₹28.7729 ↑ 0.00	₹16,907	5,000	1.3	2.9	6.9	7.1	7.1	6.82%	5M 19D	7M 10D
SBI Magnum Ultra Short Duration Fund Growth	₹6,203.48 ↑ 0.43	₹14,639	5,000	1.4	2.9	6.8	7.1	7	6.49%	5M 5D	5M 23D
Kotak Savings Fund Growth	₹44.4766 ↑ 0.00	₹14,243	5,000	1.3	2.8	6.7	6.9	6.8	6.66%	5M 26D	6M 25D
Nippon India Ultra Short Duration Fund Growth	₹4,179.65 ↑ 0.02	₹11,060	100	1.4	2.8	6.6	6.9	6.8	7%	3Y 6M 18D	4Y 8M 8D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Feb 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Savings Fund	ICICI Prudential Ultra Short Term Fund	SBI Magnum Ultra Short Duration Fund	Kotak Savings Fund	Nippon India Ultra Short Duration Fund
Point 1	Highest AUM (₹23,615 Cr).	Upper mid AUM (₹16,907 Cr).	Lower mid AUM (₹14,639 Cr).	Bottom quartile AUM (₹14,243 Cr).	Bottom quartile AUM (₹11,060 Cr).
Point 2	Established history (22+ yrs).	Established history (14+ yrs).	Oldest track record among peers (26 yrs).	Established history (21+ yrs).	Established history (24+ yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Low.	Risk profile: Moderately Low.	Risk profile: Low.
Point 5	1Y return: 7.15% (top quartile).	1Y return: 6.88% (upper mid).	1Y return: 6.77% (lower mid).	1Y return: 6.66% (bottom quartile).	1Y return: 6.62% (bottom quartile).
Point 6	1M return: 0.65% (top quartile).	1M return: 0.60% (lower mid).	1M return: 0.58% (bottom quartile).	1M return: 0.59% (bottom quartile).	1M return: 0.62% (upper mid).
Point 7	Sharpe: 3.14 (top quartile).	Sharpe: 2.94 (upper mid).	Sharpe: 2.90 (lower mid).	Sharpe: 2.06 (bottom quartile).	Sharpe: 2.30 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.81% (lower mid).	Yield to maturity (debt): 6.82% (upper mid).	Yield to maturity (debt): 6.49% (bottom quartile).	Yield to maturity (debt): 6.66% (bottom quartile).	Yield to maturity (debt): 7.00% (top quartile).
Point 10	Modified duration: 0.47 yrs (upper mid).	Modified duration: 0.47 yrs (lower mid).	Modified duration: 0.43 yrs (top quartile).	Modified duration: 0.49 yrs (bottom quartile).	Modified duration: 3.55 yrs (bottom quartile).

Aditya Birla Sun Life Savings Fund

Highest AUM (₹23,615 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.15% (top quartile).
1M return: 0.65% (top quartile).
Sharpe: 3.14 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.81% (lower mid).
Modified duration: 0.47 yrs (upper mid).

ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹16,907 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.88% (upper mid).
1M return: 0.60% (lower mid).
Sharpe: 2.94 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.82% (upper mid).
Modified duration: 0.47 yrs (lower mid).

SBI Magnum Ultra Short Duration Fund

Lower mid AUM (₹14,639 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.77% (lower mid).
1M return: 0.58% (bottom quartile).
Sharpe: 2.90 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.49% (bottom quartile).
Modified duration: 0.43 yrs (top quartile).

Kotak Savings Fund

Bottom quartile AUM (₹14,243 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.66% (bottom quartile).
1M return: 0.59% (bottom quartile).
Sharpe: 2.06 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.66% (bottom quartile).
Modified duration: 0.49 yrs (bottom quartile).

Nippon India Ultra Short Duration Fund

Bottom quartile AUM (₹11,060 Cr).
Established history (24+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.62% (bottom quartile).
1M return: 0.62% (upper mid).
Sharpe: 2.30 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.00% (top quartile).
Modified duration: 3.55 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	₹32.0937	₹12,708	5,000	1	2.7	7.7	7.6	8.1	7.04%	2Y 3M 14D	2Y 10M 2D
Nippon India Short Term Fund Growth	₹54.7855 ↑ 0.02	₹9,723	5,000	1	2.8	7.6	7.6	7.9	0%
ICICI Prudential Short Term Fund Growth	₹62.4906 ↓ -0.01	₹20,935	5,000	1.1	2.8	7.6	7.7	8	7.32%	2Y 6M 29D	4Y 7M 24D
HDFC Short Term Debt Fund Growth	₹33.2242 ↓ 0.00	₹18,079	5,000	1	2.8	7.4	7.7	7.8	7.11%	2Y 5M 12D	3Y 6M 25D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Dec 21

Research Highlights & Commentary of 5 Funds showcased

Commentary	Sundaram Short Term Debt Fund	Axis Short Term Fund	Nippon India Short Term Fund	ICICI Prudential Short Term Fund	HDFC Short Term Debt Fund
Point 1	Bottom quartile AUM (₹362 Cr).	Lower mid AUM (₹12,708 Cr).	Bottom quartile AUM (₹9,723 Cr).	Highest AUM (₹20,935 Cr).	Upper mid AUM (₹18,079 Cr).
Point 2	Established history (23+ yrs).	Established history (16+ yrs).	Established history (23+ yrs).	Oldest track record among peers (24 yrs).	Established history (15+ 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: 7.67% (upper mid).	1Y return: 7.57% (lower mid).	1Y return: 7.56% (bottom quartile).	1Y return: 7.42% (bottom quartile).
Point 6	1M return: 0.20% (bottom quartile).	1M return: 0.78% (lower mid).	1M return: 0.89% (top quartile).	1M return: 0.70% (bottom quartile).	1M return: 0.79% (upper mid).
Point 7	Sharpe: 0.98 (bottom quartile).	Sharpe: 1.41 (upper mid).	Sharpe: 1.15 (bottom quartile).	Sharpe: 1.58 (top quartile).	Sharpe: 1.26 (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): 4.52% (bottom quartile).	Yield to maturity (debt): 7.04% (lower mid).	Yield to maturity (debt): 0.00% (bottom quartile).	Yield to maturity (debt): 7.32% (top quartile).	Yield to maturity (debt): 7.11% (upper mid).
Point 10	Modified duration: 1.20 yrs (upper mid).	Modified duration: 2.29 yrs (lower mid).	Modified duration: 0.00 yrs (top quartile).	Modified duration: 2.58 yrs (bottom quartile).	Modified duration: 2.45 yrs (bottom quartile).

Sundaram Short Term Debt Fund

Bottom quartile AUM (₹362 Cr).
Established history (23+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 12.83% (top quartile).
1M return: 0.20% (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 (upper mid).

Axis Short Term Fund

Lower mid AUM (₹12,708 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.67% (upper mid).
1M return: 0.78% (lower mid).
Sharpe: 1.41 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.04% (lower mid).
Modified duration: 2.29 yrs (lower mid).

Nippon India Short Term Fund

Bottom quartile AUM (₹9,723 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.57% (lower mid).
1M return: 0.89% (top quartile).
Sharpe: 1.15 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 0.00% (bottom quartile).
Modified duration: 0.00 yrs (top quartile).

ICICI Prudential Short Term Fund

Highest AUM (₹20,935 Cr).
Oldest track record among peers (24 yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 7.56% (bottom quartile).
1M return: 0.70% (bottom quartile).
Sharpe: 1.58 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.32% (top quartile).
Modified duration: 2.58 yrs (bottom quartile).

HDFC Short Term Debt Fund

Upper mid AUM (₹18,079 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.42% (bottom quartile).
1M return: 0.79% (upper mid).
Sharpe: 1.26 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.11% (upper mid).
Modified duration: 2.45 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	₹3,016.75 ↑ 0.49	₹35,653	500	0.5	1.5	3	6.4	6.6	6.06%	1M 28D	2M 2D
Edelweiss Liquid Fund Growth	₹3,464.75 ↑ 0.54	₹10,414	5,000	0.5	1.5	3	6.4	6.5	6.03%	2M 1D	2M 1D
UTI Liquid Cash Plan Growth	₹4,444.27 ↑ 0.69	₹23,480	500	0.5	1.5	2.9	6.4	6.5	6.04%	1M 26D	1M 26D
DSP Liquidity Fund Growth	₹3,867.86 ↑ 0.64	₹17,777	1,000	0.5	1.5	3	6.4	6.5	5.98%	1M 2D	1M 6D
Tata Liquid Fund Growth	₹4,266.3 ↑ 0.70	₹18,946	5,000	0.5	1.5	2.9	6.4	6.5	6.08%	1M 28D	1M 28D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Feb 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Axis Liquid Fund	Edelweiss Liquid Fund	UTI Liquid Cash Plan	DSP Liquidity Fund	Tata Liquid Fund
Point 1	Highest AUM (₹35,653 Cr).	Bottom quartile AUM (₹10,414 Cr).	Upper mid AUM (₹23,480 Cr).	Bottom quartile AUM (₹17,777 Cr).	Lower mid AUM (₹18,946 Cr).
Point 2	Established history (16+ yrs).	Established history (18+ yrs).	Oldest track record among peers (22 yrs).	Established history (20+ yrs).	Established history (21+ yrs).
Point 3	Top rated.	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 6.38% (top quartile).	1Y return: 6.36% (upper mid).	1Y return: 6.36% (lower mid).	1Y return: 6.35% (bottom quartile).	1Y return: 6.35% (bottom quartile).
Point 6	1M return: 0.55% (top quartile).	1M return: 0.55% (upper mid).	1M return: 0.54% (lower mid).	1M return: 0.54% (bottom quartile).	1M return: 0.52% (bottom quartile).
Point 7	Sharpe: 3.47 (lower mid).	Sharpe: 3.82 (top quartile).	Sharpe: 3.28 (bottom quartile).	Sharpe: 3.55 (upper mid).	Sharpe: 3.23 (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): 6.06% (upper mid).	Yield to maturity (debt): 6.03% (bottom quartile).	Yield to maturity (debt): 6.04% (lower mid).	Yield to maturity (debt): 5.98% (bottom quartile).	Yield to maturity (debt): 6.08% (top quartile).
Point 10	Modified duration: 0.16 yrs (lower mid).	Modified duration: 0.17 yrs (bottom quartile).	Modified duration: 0.16 yrs (upper mid).	Modified duration: 0.09 yrs (top quartile).	Modified duration: 0.16 yrs (bottom quartile).

Axis Liquid Fund

Highest AUM (₹35,653 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.38% (top quartile).
1M return: 0.55% (top quartile).
Sharpe: 3.47 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.06% (upper mid).
Modified duration: 0.16 yrs (lower mid).

Edelweiss Liquid Fund

Bottom quartile AUM (₹10,414 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.36% (upper mid).
1M return: 0.55% (upper mid).
Sharpe: 3.82 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.03% (bottom quartile).
Modified duration: 0.17 yrs (bottom quartile).

UTI Liquid Cash Plan

Upper mid AUM (₹23,480 Cr).
Oldest track record among peers (22 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.36% (lower mid).
1M return: 0.54% (lower mid).
Sharpe: 3.28 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.04% (lower mid).
Modified duration: 0.16 yrs (upper mid).

DSP Liquidity Fund

Bottom quartile AUM (₹17,777 Cr).
Established history (20+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.35% (bottom quartile).
1M return: 0.54% (bottom quartile).
Sharpe: 3.55 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.98% (bottom quartile).
Modified duration: 0.09 yrs (top quartile).

Tata Liquid Fund

Lower mid AUM (₹18,946 Cr).
Established history (21+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.35% (bottom quartile).
1M return: 0.52% (bottom quartile).
Sharpe: 3.23 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.08% (top quartile).
Modified duration: 0.16 yrs (bottom quartile).

Top 5 Lump sum GILT Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
ICICI Prudential Gilt Fund Growth	₹104.94 ↓ -0.10	₹9,181	5,000	0.8	2	5.9	7.5	6.8	7.25%	6Y 6M 7D	18Y 4M 17D
Axis Gilt Fund Growth	₹25.8874 ↓ -0.01	₹686	5,000	0.7	2.1	4.7	7.3	5.2	6.82%	7Y 7M 2D	17Y 10M 13D
SBI Magnum Gilt Fund Growth	₹66.6477 ↓ -0.01	₹10,817	5,000	0.4	1.8	4.2	7	4.5	6.44%	5Y 1M 6D	8Y 2M 16D
UTI Gilt Fund Growth	₹64.016 ↓ -0.06	₹545	5,000	1.1	2.8	5.1	7	5.1	6.65%	5Y 2M 1D	7Y 1M 2D
Bandhan Government Securities Fund - Investment Plan Growth	₹35.6116 ↑ 0.02	₹2,248	5,000	0.8	2.6	3.9	7	3.7	6.6%	4Y 6M 25D	5Y 7M 17D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Feb 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Gilt Fund	Axis Gilt Fund	SBI Magnum Gilt Fund	UTI Gilt Fund	Bandhan Government Securities Fund - Investment Plan
Point 1	Upper mid AUM (₹9,181 Cr).	Bottom quartile AUM (₹686 Cr).	Highest AUM (₹10,817 Cr).	Bottom quartile AUM (₹545 Cr).	Lower mid AUM (₹2,248 Cr).
Point 2	Oldest track record among peers (26 yrs).	Established history (14+ yrs).	Established history (25+ yrs).	Established history (24+ yrs).	Established history (17+ yrs).
Point 3	Top rated.	Rating: 1★ (bottom quartile).	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 5.92% (top quartile).	1Y return: 4.71% (lower mid).	1Y return: 4.17% (bottom quartile).	1Y return: 5.09% (upper mid).	1Y return: 3.94% (bottom quartile).
Point 6	1M return: 0.56% (bottom quartile).	1M return: 0.64% (bottom quartile).	1M return: 0.69% (upper mid).	1M return: 1.08% (top quartile).	1M return: 0.65% (lower mid).
Point 7	Sharpe: 0.24 (top quartile).	Sharpe: -0.17 (upper mid).	Sharpe: -0.32 (bottom quartile).	Sharpe: -0.20 (lower mid).	Sharpe: -0.39 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.25% (top quartile).	Yield to maturity (debt): 6.82% (upper mid).	Yield to maturity (debt): 6.44% (bottom quartile).	Yield to maturity (debt): 6.65% (lower mid).	Yield to maturity (debt): 6.60% (bottom quartile).
Point 10	Modified duration: 6.52 yrs (bottom quartile).	Modified duration: 7.59 yrs (bottom quartile).	Modified duration: 5.10 yrs (upper mid).	Modified duration: 5.17 yrs (lower mid).	Modified duration: 4.57 yrs (top quartile).

ICICI Prudential Gilt Fund

Upper mid AUM (₹9,181 Cr).
Oldest track record among peers (26 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 5.92% (top quartile).
1M return: 0.56% (bottom quartile).
Sharpe: 0.24 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.25% (top quartile).
Modified duration: 6.52 yrs (bottom quartile).

Axis Gilt Fund

Bottom quartile AUM (₹686 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 4.71% (lower mid).
1M return: 0.64% (bottom quartile).
Sharpe: -0.17 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.82% (upper mid).
Modified duration: 7.59 yrs (bottom quartile).

SBI Magnum Gilt Fund

Highest AUM (₹10,817 Cr).
Established history (25+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 4.17% (bottom quartile).
1M return: 0.69% (upper mid).
Sharpe: -0.32 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.44% (bottom quartile).
Modified duration: 5.10 yrs (upper mid).

UTI Gilt Fund

Bottom quartile AUM (₹545 Cr).
Established history (24+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 5.09% (upper mid).
1M return: 1.08% (top quartile).
Sharpe: -0.20 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.65% (lower mid).
Modified duration: 5.17 yrs (lower mid).

Bandhan Government Securities Fund - Investment Plan

Lower mid AUM (₹2,248 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 3.94% (bottom quartile).
1M return: 0.65% (lower mid).
Sharpe: -0.39 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.60% (bottom quartile).
Modified duration: 4.57 yrs (top quartile).

Top 5 Lump sum Corporate Bond Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
BNP Paribas Corporate Bond Fund Growth	₹28.5078 ↓ 0.00	₹482	5,000	0.8	2.7	7.9	7.8	8.3	6.92%	3Y 3M	4Y 2M 26D
ICICI Prudential Corporate Bond Fund Growth	₹30.9717 ↓ 0.00	₹33,871	5,000	1	2.8	7.5	7.8	8	7.02%	2Y 11M 1D	5Y 5M 12D
Nippon India Prime Debt Fund Growth	₹62.0564 ↓ 0.00	₹10,431	1,000	0.8	2.5	7.3	7.8	7.8	7.71%	3Y 10M 20D	5Y 9M 29D
Franklin India Corporate Debt Fund Growth	₹103.524 ↓ 0.00	₹1,338	10,000	1.3	2.9	9	7.8	9.1	7.12%	2Y 5M 23D	5Y 10M 10D
Kotak Corporate Bond Fund Standard Growth	₹3,909.02 ↓ -0.41	₹18,841	5,000	0.9	2.7	7.4	7.7	7.8	7.04%	2Y 11M 12D	4Y 6M 14D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Feb 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	BNP Paribas Corporate Bond Fund	ICICI Prudential Corporate Bond Fund	Nippon India Prime Debt Fund	Franklin India Corporate Debt Fund	Kotak Corporate Bond Fund Standard
Point 1	Bottom quartile AUM (₹482 Cr).	Highest AUM (₹33,871 Cr).	Lower mid AUM (₹10,431 Cr).	Bottom quartile AUM (₹1,338 Cr).	Upper mid AUM (₹18,841 Cr).
Point 2	Established history (17+ yrs).	Established history (16+ yrs).	Established history (25+ yrs).	Oldest track record among peers (28 yrs).	Established history (18+ yrs).
Point 3	Rating: 3★ (bottom quartile).	Top rated.	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 4★ (lower mid).
Point 4	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	1Y return: 7.85% (upper mid).	1Y return: 7.50% (lower mid).	1Y return: 7.32% (bottom quartile).	1Y return: 8.95% (top quartile).	1Y return: 7.36% (bottom quartile).
Point 6	1M return: 0.84% (upper mid).	1M return: 0.74% (bottom quartile).	1M return: 0.80% (lower mid).	1M return: 0.90% (top quartile).	1M return: 0.78% (bottom quartile).
Point 7	Sharpe: 1.13 (lower mid).	Sharpe: 1.43 (top quartile).	Sharpe: 0.87 (bottom quartile).	Sharpe: 1.29 (upper mid).	Sharpe: 1.02 (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): 6.92% (bottom quartile).	Yield to maturity (debt): 7.02% (bottom quartile).	Yield to maturity (debt): 7.71% (top quartile).	Yield to maturity (debt): 7.12% (upper mid).	Yield to maturity (debt): 7.04% (lower mid).
Point 10	Modified duration: 3.25 yrs (bottom quartile).	Modified duration: 2.92 yrs (upper mid).	Modified duration: 3.89 yrs (bottom quartile).	Modified duration: 2.48 yrs (top quartile).	Modified duration: 2.95 yrs (lower mid).

BNP Paribas Corporate Bond Fund

Bottom quartile AUM (₹482 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.85% (upper mid).
1M return: 0.84% (upper mid).
Sharpe: 1.13 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.92% (bottom quartile).
Modified duration: 3.25 yrs (bottom quartile).

ICICI Prudential Corporate Bond Fund

Highest AUM (₹33,871 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.50% (lower mid).
1M return: 0.74% (bottom quartile).
Sharpe: 1.43 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.02% (bottom quartile).
Modified duration: 2.92 yrs (upper mid).

Nippon India Prime Debt Fund

Lower mid AUM (₹10,431 Cr).
Established history (25+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.32% (bottom quartile).
1M return: 0.80% (lower mid).
Sharpe: 0.87 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.71% (top quartile).
Modified duration: 3.89 yrs (bottom quartile).

Franklin India Corporate Debt Fund

Bottom quartile AUM (₹1,338 Cr).
Oldest track record among peers (28 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.95% (top quartile).
1M return: 0.90% (top quartile).
Sharpe: 1.29 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.12% (upper mid).
Modified duration: 2.48 yrs (top quartile).

Kotak Corporate Bond Fund Standard

Upper mid AUM (₹18,841 Cr).
Established history (18+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.36% (bottom quartile).
1M return: 0.78% (bottom quartile).
Sharpe: 1.02 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.04% (lower mid).
Modified duration: 2.95 yrs (lower mid).

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	₹50.3253 ↓ -0.01	₹206	1,000	-0.5	0.9	18.8	14.1	21	7.1%	2Y 4M 17D	3Y 3M 14D
Aditya Birla Sun Life Credit Risk Fund Growth	₹24.3116 ↓ -0.01	₹1,092	1,000	4.9	7.4	13.2	12	13.4	7.96%	2Y 4M 28D	3Y 2M 23D
Franklin India Credit Risk Fund Growth	₹25.3348 ↑ 0.04	₹104	5,000	2.9	5	7.5	11		0%
Invesco India Credit Risk Fund Growth	₹1,994.18 ↓ -0.27	₹156	5,000	1.1	2.7	8.9	9.3	9.2	7.03%	2Y 3M 7D	3Y 11D
ICICI Prudential Regular Savings Fund Growth	₹33.5203 ↓ -0.03	₹5,920	10,000	1.7	4.3	9.6	8.6	9.5	8.28%	1Y 10M 24D	2Y 11M 19D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Feb 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP Credit Risk Fund	Aditya Birla Sun Life Credit Risk Fund	Franklin India Credit Risk Fund	Invesco India Credit Risk Fund	ICICI Prudential Regular Savings Fund
Point 1	Lower mid AUM (₹206 Cr).	Upper mid AUM (₹1,092 Cr).	Bottom quartile AUM (₹104 Cr).	Bottom quartile AUM (₹156 Cr).	Highest AUM (₹5,920 Cr).
Point 2	Oldest track record among peers (22 yrs).	Established history (10+ yrs).	Established history (14+ yrs).	Established history (11+ yrs).	Established history (15+ yrs).
Point 3	Top rated.	Not Rated.	Rating: 1★ (lower mid).	Rating: 4★ (upper mid).	Rating: 1★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 18.80% (top quartile).	1Y return: 13.24% (upper mid).	1Y return: 7.45% (bottom quartile).	1Y return: 8.86% (bottom quartile).	1Y return: 9.56% (lower mid).
Point 6	1M return: -0.92% (bottom quartile).	1M return: 0.90% (upper mid).	1M return: 0.91% (top quartile).	1M return: 0.51% (bottom quartile).	1M return: 0.78% (lower mid).
Point 7	Sharpe: 1.53 (lower mid).	Sharpe: 2.08 (upper mid).	Sharpe: 0.29 (bottom quartile).	Sharpe: 1.24 (bottom quartile).	Sharpe: 3.32 (top quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.10% (lower mid).	Yield to maturity (debt): 7.96% (upper mid).	Yield to maturity (debt): 0.00% (bottom quartile).	Yield to maturity (debt): 7.03% (bottom quartile).	Yield to maturity (debt): 8.28% (top quartile).
Point 10	Modified duration: 2.38 yrs (bottom quartile).	Modified duration: 2.41 yrs (bottom quartile).	Modified duration: 0.00 yrs (top quartile).	Modified duration: 2.27 yrs (lower mid).	Modified duration: 1.90 yrs (upper mid).

DSP Credit Risk Fund

Lower mid AUM (₹206 Cr).
Oldest track record among peers (22 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 18.80% (top quartile).
1M return: -0.92% (bottom quartile).
Sharpe: 1.53 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.10% (lower mid).
Modified duration: 2.38 yrs (bottom quartile).

Aditya Birla Sun Life Credit Risk Fund

Upper mid AUM (₹1,092 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 13.24% (upper mid).
1M return: 0.90% (upper mid).
Sharpe: 2.08 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.96% (upper mid).
Modified duration: 2.41 yrs (bottom quartile).

Franklin India Credit Risk Fund

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

Invesco India Credit Risk Fund

Bottom quartile AUM (₹156 Cr).
Established history (11+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 8.86% (bottom quartile).
1M return: 0.51% (bottom quartile).
Sharpe: 1.24 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.03% (bottom quartile).
Modified duration: 2.27 yrs (lower mid).

ICICI Prudential Regular Savings Fund

Highest AUM (₹5,920 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 9.56% (lower mid).
1M return: 0.78% (lower mid).
Sharpe: 3.32 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.28% (top quartile).
Modified duration: 1.90 yrs (upper mid).

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

Top 5 Lump sum Balanced Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
UTI Multi Asset Fund Growth	₹79.3414 ↓ -0.62	₹6,720	5,000	0.8	6.8	14.5	20.2	14.5	11.1
SBI Multi Asset Allocation Fund Growth	₹66.9273 ↑ 0.12	₹13,033	5,000	5.3	13	23.2	20.1	14.8	18.6
ICICI Prudential Multi-Asset Fund Growth	₹825.148 ↑ 1.95	₹78,179	5,000	2.7	8.9	17.4	19.8	19.6	18.6
ICICI Prudential Equity and Debt Fund Growth	₹407.45 ↓ -4.17	₹49,641	5,000	-0.8	2.9	14.2	18.9	19	13.3
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹38.13 ↓ -0.39	₹1,349	5,000	-0.6	0.7	13.7	18.6	18.4	-0.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Feb 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Multi Asset Fund	SBI Multi Asset Allocation Fund	ICICI Prudential Multi-Asset Fund	ICICI Prudential Equity and Debt Fund	BOI AXA Mid and Small Cap Equity and Debt Fund
Point 1	Bottom quartile AUM (₹6,720 Cr).	Lower mid AUM (₹13,033 Cr).	Highest AUM (₹78,179 Cr).	Upper mid AUM (₹49,641 Cr).	Bottom quartile AUM (₹1,349 Cr).
Point 2	Established history (17+ yrs).	Established history (20+ yrs).	Established history (23+ yrs).	Oldest track record among peers (26 yrs).	Established history (9+ yrs).
Point 3	Rating: 1★ (bottom quartile).	Top rated.	Rating: 2★ (lower mid).	Rating: 4★ (upper mid).	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 14.52% (bottom quartile).	5Y return: 14.77% (bottom quartile).	5Y return: 19.60% (top quartile).	5Y return: 19.02% (upper mid).	5Y return: 18.41% (lower mid).
Point 6	3Y return: 20.20% (top quartile).	3Y return: 20.06% (upper mid).	3Y return: 19.75% (lower mid).	3Y return: 18.90% (bottom quartile).	3Y return: 18.65% (bottom quartile).
Point 7	1Y return: 14.53% (lower mid).	1Y return: 23.16% (top quartile).	1Y return: 17.35% (upper mid).	1Y return: 14.20% (bottom quartile).	1Y return: 13.72% (bottom quartile).
Point 8	1M return: -0.65% (bottom quartile).	1M return: 1.02% (upper mid).	1M return: 0.91% (lower mid).	1M return: 0.48% (bottom quartile).	1M return: 1.63% (top quartile).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 4.49 (top quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.55 (bottom quartile).	Sharpe: 1.60 (upper mid).	Sharpe: 1.86 (top quartile).	Sharpe: 0.83 (lower mid).	Sharpe: -0.29 (bottom quartile).

UTI Multi Asset Fund

Bottom quartile AUM (₹6,720 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 14.52% (bottom quartile).
3Y return: 20.20% (top quartile).
1Y return: 14.53% (lower mid).
1M return: -0.65% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.55 (bottom quartile).

SBI Multi Asset Allocation Fund

Lower mid AUM (₹13,033 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 14.77% (bottom quartile).
3Y return: 20.06% (upper mid).
1Y return: 23.16% (top quartile).
1M return: 1.02% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 1.60 (upper mid).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹78,179 Cr).
Established history (23+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.60% (top quartile).
3Y return: 19.75% (lower mid).
1Y return: 17.35% (upper mid).
1M return: 0.91% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.86 (top quartile).

ICICI Prudential Equity and Debt Fund

Upper mid AUM (₹49,641 Cr).
Oldest track record among peers (26 yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 19.02% (upper mid).
3Y return: 18.90% (bottom quartile).
1Y return: 14.20% (bottom quartile).
1M return: 0.48% (bottom quartile).
Alpha: 4.49 (top quartile).
Sharpe: 0.83 (lower mid).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,349 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 18.41% (lower mid).
3Y return: 18.65% (bottom quartile).
1Y return: 13.72% (bottom quartile).
1M return: 1.63% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.29 (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 (%)
ICICI Prudential Equity and Debt Fund Growth	₹407.45 ↓ -4.17	₹49,641	5,000	-0.8	2.9	14.2	18.9	19	13.3
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹38.13 ↓ -0.39	₹1,349	5,000	-0.6	0.7	13.7	18.6	18.4	-0.9
JM Equity Hybrid Fund Growth	₹117.406 ↓ -1.44	₹785	5,000	-3.7	-1.7	5.1	17.2	14.9	-3.1
Bandhan Hybrid Equity Fund Growth	₹26.931 ↓ -0.31	₹1,576	5,000	1.3	4.9	19.6	16.6	13.7	7.7
UTI Hybrid Equity Fund Growth	₹413.444 ↓ -3.54	₹6,758	1,000	-0.5	2.8	10.1	16.2	14.8	6.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Feb 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Equity and Debt Fund	BOI AXA Mid and Small Cap Equity and Debt Fund	JM Equity Hybrid Fund	Bandhan Hybrid Equity Fund	UTI Hybrid Equity Fund
Point 1	Highest AUM (₹49,641 Cr).	Bottom quartile AUM (₹1,349 Cr).	Bottom quartile AUM (₹785 Cr).	Lower mid AUM (₹1,576 Cr).	Upper mid AUM (₹6,758 Cr).
Point 2	Established history (26+ yrs).	Established history (9+ yrs).	Established history (30+ yrs).	Established history (9+ yrs).	Oldest track record among peers (31 yrs).
Point 3	Top rated.	Not Rated.	Rating: 1★ (lower mid).	Not 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: 19.02% (top quartile).	5Y return: 18.41% (upper mid).	5Y return: 14.92% (lower mid).	5Y return: 13.66% (bottom quartile).	5Y return: 14.78% (bottom quartile).
Point 6	3Y return: 18.90% (top quartile).	3Y return: 18.65% (upper mid).	3Y return: 17.21% (lower mid).	3Y return: 16.60% (bottom quartile).	3Y return: 16.23% (bottom quartile).
Point 7	1Y return: 14.20% (upper mid).	1Y return: 13.72% (lower mid).	1Y return: 5.10% (bottom quartile).	1Y return: 19.60% (top quartile).	1Y return: 10.05% (bottom quartile).
Point 8	1M return: 0.48% (lower mid).	1M return: 1.63% (upper mid).	1M return: -1.27% (bottom quartile).	1M return: 1.72% (top quartile).	1M return: 0.05% (bottom quartile).
Point 9	Alpha: 4.49 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: -11.83 (bottom quartile).	Alpha: -1.32 (lower mid).	Alpha: -2.19 (bottom quartile).
Point 10	Sharpe: 0.83 (top quartile).	Sharpe: -0.29 (bottom quartile).	Sharpe: -0.65 (bottom quartile).	Sharpe: 0.17 (upper mid).	Sharpe: 0.08 (lower mid).

ICICI Prudential Equity and Debt Fund

Highest AUM (₹49,641 Cr).
Established history (26+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 19.02% (top quartile).
3Y return: 18.90% (top quartile).
1Y return: 14.20% (upper mid).
1M return: 0.48% (lower mid).
Alpha: 4.49 (top quartile).
Sharpe: 0.83 (top quartile).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,349 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 18.41% (upper mid).
3Y return: 18.65% (upper mid).
1Y return: 13.72% (lower mid).
1M return: 1.63% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.29 (bottom quartile).

JM Equity Hybrid Fund

Bottom quartile AUM (₹785 Cr).
Established history (30+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 14.92% (lower mid).
3Y return: 17.21% (lower mid).
1Y return: 5.10% (bottom quartile).
1M return: -1.27% (bottom quartile).
Alpha: -11.83 (bottom quartile).
Sharpe: -0.65 (bottom quartile).

Bandhan Hybrid Equity Fund

Lower mid AUM (₹1,576 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 13.66% (bottom quartile).
3Y return: 16.60% (bottom quartile).
1Y return: 19.60% (top quartile).
1M return: 1.72% (top quartile).
Alpha: -1.32 (lower mid).
Sharpe: 0.17 (upper mid).

UTI Hybrid Equity Fund

Upper mid AUM (₹6,758 Cr).
Oldest track record among peers (31 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 14.78% (bottom quartile).
3Y return: 16.23% (bottom quartile).
1Y return: 10.05% (bottom quartile).
1M return: 0.05% (bottom quartile).
Alpha: -2.19 (bottom quartile).
Sharpe: 0.08 (lower mid).

Top 5 Lump sum Conservative Hybrid Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
UTI Multi Asset Fund Growth	₹79.3414 ↓ -0.62	₹6,720	5,000	0.8	6.8	14.5	20.2	14.5	11.1
SBI Multi Asset Allocation Fund Growth	₹66.9273 ↑ 0.12	₹13,033	5,000	5.3	13	23.2	20.1	14.8	18.6
ICICI Prudential Multi-Asset Fund Growth	₹825.148 ↑ 1.95	₹78,179	5,000	2.7	8.9	17.4	19.8	19.6	18.6
ICICI Prudential Equity and Debt Fund Growth	₹407.45 ↓ -4.17	₹49,641	5,000	-0.8	2.9	14.2	18.9	19	13.3
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹38.13 ↓ -0.39	₹1,349	5,000	-0.6	0.7	13.7	18.6	18.4	-0.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Feb 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Multi Asset Fund	SBI Multi Asset Allocation Fund	ICICI Prudential Multi-Asset Fund	ICICI Prudential Equity and Debt Fund	BOI AXA Mid and Small Cap Equity and Debt Fund
Point 1	Bottom quartile AUM (₹6,720 Cr).	Lower mid AUM (₹13,033 Cr).	Highest AUM (₹78,179 Cr).	Upper mid AUM (₹49,641 Cr).	Bottom quartile AUM (₹1,349 Cr).
Point 2	Established history (17+ yrs).	Established history (20+ yrs).	Established history (23+ yrs).	Oldest track record among peers (26 yrs).	Established history (9+ yrs).
Point 3	Rating: 1★ (bottom quartile).	Top rated.	Rating: 2★ (lower mid).	Rating: 4★ (upper mid).	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 14.52% (bottom quartile).	5Y return: 14.77% (bottom quartile).	5Y return: 19.60% (top quartile).	5Y return: 19.02% (upper mid).	5Y return: 18.41% (lower mid).
Point 6	3Y return: 20.20% (top quartile).	3Y return: 20.06% (upper mid).	3Y return: 19.75% (lower mid).	3Y return: 18.90% (bottom quartile).	3Y return: 18.65% (bottom quartile).
Point 7	1Y return: 14.53% (lower mid).	1Y return: 23.16% (top quartile).	1Y return: 17.35% (upper mid).	1Y return: 14.20% (bottom quartile).	1Y return: 13.72% (bottom quartile).
Point 8	1M return: -0.65% (bottom quartile).	1M return: 1.02% (upper mid).	1M return: 0.91% (lower mid).	1M return: 0.48% (bottom quartile).	1M return: 1.63% (top quartile).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 4.49 (top quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.55 (bottom quartile).	Sharpe: 1.60 (upper mid).	Sharpe: 1.86 (top quartile).	Sharpe: 0.83 (lower mid).	Sharpe: -0.29 (bottom quartile).

UTI Multi Asset Fund

Bottom quartile AUM (₹6,720 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 14.52% (bottom quartile).
3Y return: 20.20% (top quartile).
1Y return: 14.53% (lower mid).
1M return: -0.65% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.55 (bottom quartile).

SBI Multi Asset Allocation Fund

Lower mid AUM (₹13,033 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 14.77% (bottom quartile).
3Y return: 20.06% (upper mid).
1Y return: 23.16% (top quartile).
1M return: 1.02% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 1.60 (upper mid).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹78,179 Cr).
Established history (23+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.60% (top quartile).
3Y return: 19.75% (lower mid).
1Y return: 17.35% (upper mid).
1M return: 0.91% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.86 (top quartile).

ICICI Prudential Equity and Debt Fund

Upper mid AUM (₹49,641 Cr).
Oldest track record among peers (26 yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 19.02% (upper mid).
3Y return: 18.90% (bottom quartile).
1Y return: 14.20% (bottom quartile).
1M return: 0.48% (bottom quartile).
Alpha: 4.49 (top quartile).
Sharpe: 0.83 (lower mid).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,349 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 18.41% (lower mid).
3Y return: 18.65% (bottom quartile).
1Y return: 13.72% (bottom quartile).
1M return: 1.63% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.29 (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	₹36.4104 ↑ 0.03	₹10,465	5,000	1.6	3.1	6.5	7.1	6	6.5
SBI Arbitrage Opportunities Fund Growth	₹35.1181 ↑ 0.02	₹41,714	5,000	1.6	3.1	6.5	7.1	6.1	6.5
ICICI Prudential Equity Arbitrage Fund Growth	₹35.6253 ↑ 0.04	₹32,297	5,000	1.6	3.1	6.4	7.1	5.9	6.5
Aditya Birla Sun Life Arbitrage Fund Growth	₹27.5752 ↑ 0.02	₹25,396	1,000	1.6	3.1	6.4	7	5.9	6.4
Invesco India Arbitrage Fund Growth	₹33.1519 ↑ 0.03	₹27,400	5,000	1.6	3.1	6.4	7.1	6.1	6.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Feb 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Arbitrage Fund	SBI Arbitrage Opportunities Fund	ICICI Prudential Equity Arbitrage Fund	Aditya Birla Sun Life Arbitrage Fund	Invesco India Arbitrage Fund
Point 1	Bottom quartile AUM (₹10,465 Cr).	Highest AUM (₹41,714 Cr).	Upper mid AUM (₹32,297 Cr).	Bottom quartile AUM (₹25,396 Cr).	Lower mid AUM (₹27,400 Cr).
Point 2	Oldest track record among peers (19 yrs).	Established history (19+ yrs).	Established history (19+ yrs).	Established history (16+ yrs).	Established history (18+ yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 2★ (bottom quartile).	Top rated.	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	5Y return: 5.96% (lower mid).	5Y return: 6.11% (top quartile).	5Y return: 5.94% (bottom quartile).	5Y return: 5.88% (bottom quartile).	5Y return: 6.10% (upper mid).
Point 6	3Y return: 7.12% (upper mid).	3Y return: 7.13% (top quartile).	3Y return: 7.06% (bottom quartile).	3Y return: 7.00% (bottom quartile).	3Y return: 7.10% (lower mid).
Point 7	1Y return: 6.49% (top quartile).	1Y return: 6.46% (upper mid).	1Y return: 6.41% (lower mid).	1Y return: 6.40% (bottom quartile).	1Y return: 6.38% (bottom quartile).
Point 8	1M return: 0.58% (lower mid).	1M return: 0.56% (bottom quartile).	1M return: 0.59% (top quartile).	1M return: 0.57% (bottom quartile).	1M return: 0.59% (upper mid).
Point 9	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 1.25 (upper mid).	Sharpe: 1.31 (top quartile).	Sharpe: 1.05 (bottom quartile).	Sharpe: 0.93 (bottom quartile).	Sharpe: 1.20 (lower mid).

UTI Arbitrage Fund

Bottom quartile AUM (₹10,465 Cr).
Oldest track record among peers (19 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
5Y return: 5.96% (lower mid).
3Y return: 7.12% (upper mid).
1Y return: 6.49% (top quartile).
1M return: 0.58% (lower mid).
Alpha: 0.00 (top quartile).
Sharpe: 1.25 (upper mid).

SBI Arbitrage Opportunities Fund

Highest AUM (₹41,714 Cr).
Established history (19+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
5Y return: 6.11% (top quartile).
3Y return: 7.13% (top quartile).
1Y return: 6.46% (upper mid).
1M return: 0.56% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 1.31 (top quartile).

ICICI Prudential Equity Arbitrage Fund

Upper mid AUM (₹32,297 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 5.94% (bottom quartile).
3Y return: 7.06% (bottom quartile).
1Y return: 6.41% (lower mid).
1M return: 0.59% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 1.05 (bottom quartile).

Aditya Birla Sun Life Arbitrage Fund

Bottom quartile AUM (₹25,396 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
5Y return: 5.88% (bottom quartile).
3Y return: 7.00% (bottom quartile).
1Y return: 6.40% (bottom quartile).
1M return: 0.57% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.93 (bottom quartile).

Invesco India Arbitrage Fund

Lower mid AUM (₹27,400 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
5Y return: 6.10% (upper mid).
3Y return: 7.10% (lower mid).
1Y return: 6.38% (bottom quartile).
1M return: 0.59% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.20 (lower mid).

Top 5 Lump sum Dynamic Allocation Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Axis Dynamic Equity Fund Growth	₹21.47 ↓ -0.18	₹3,816	5,000	-0.8	2.8	8.9	14.3	10.8	7
ICICI Prudential Balanced Advantage Fund Growth	₹77.26 ↓ -0.60	₹70,535	5,000	0.2	3.8	13	13.5	11.7	12.2
Franklin India Multi - Asset Solution Fund Growth	₹21.7317 ↑ 0.00	₹108	5,000	1.4	3	12.6	13.4	12.6	14.1
Aditya Birla Sun Life Balanced Advantage Fund Growth	₹109.5 ↓ -0.84	₹8,944	1,000	0	2.8	12.4	13.2	10.7	10.1
Nippon India Balanced Advantage Fund Growth	₹180.903 ↓ -1.68	₹9,725	5,000	-0.7	2.3	10.1	12.7	10.7	7.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Feb 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Axis Dynamic Equity Fund	ICICI Prudential Balanced Advantage Fund	Franklin India Multi - Asset Solution Fund	Aditya Birla Sun Life Balanced Advantage Fund	Nippon India Balanced Advantage Fund
Point 1	Bottom quartile AUM (₹3,816 Cr).	Highest AUM (₹70,535 Cr).	Bottom quartile AUM (₹108 Cr).	Lower mid AUM (₹8,944 Cr).	Upper mid AUM (₹9,725 Cr).
Point 2	Established history (8+ yrs).	Established history (19+ yrs).	Established history (11+ yrs).	Oldest track record among peers (25 yrs).	Established history (21+ yrs).
Point 3	Not Rated.	Top rated.	Not Rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 10.78% (lower mid).	5Y return: 11.66% (upper mid).	5Y return: 12.63% (top quartile).	5Y return: 10.73% (bottom quartile).	5Y return: 10.75% (bottom quartile).
Point 6	3Y return: 14.32% (top quartile).	3Y return: 13.46% (upper mid).	3Y return: 13.45% (lower mid).	3Y return: 13.18% (bottom quartile).	3Y return: 12.74% (bottom quartile).
Point 7	1Y return: 8.93% (bottom quartile).	1Y return: 13.00% (top quartile).	1Y return: 12.56% (upper mid).	1Y return: 12.43% (lower mid).	1Y return: 10.11% (bottom quartile).
Point 8	1M return: 0.19% (bottom quartile).	1M return: 0.06% (bottom quartile).	1M return: 0.69% (upper mid).	1M return: 0.49% (lower mid).	1M return: 0.79% (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: 0.15 (bottom quartile).	Sharpe: 0.98 (upper mid).	Sharpe: 1.56 (top quartile).	Sharpe: 0.48 (lower mid).	Sharpe: 0.19 (bottom quartile).

Axis Dynamic Equity Fund

Bottom quartile AUM (₹3,816 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 10.78% (lower mid).
3Y return: 14.32% (top quartile).
1Y return: 8.93% (bottom quartile).
1M return: 0.19% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.15 (bottom quartile).

ICICI Prudential Balanced Advantage Fund

Highest AUM (₹70,535 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 11.66% (upper mid).
3Y return: 13.46% (upper mid).
1Y return: 13.00% (top quartile).
1M return: 0.06% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.98 (upper mid).

Franklin India Multi - Asset Solution Fund

Bottom quartile AUM (₹108 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 12.63% (top quartile).
3Y return: 13.45% (lower mid).
1Y return: 12.56% (upper mid).
1M return: 0.69% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 1.56 (top quartile).

Aditya Birla Sun Life Balanced Advantage Fund

Lower mid AUM (₹8,944 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 10.73% (bottom quartile).
3Y return: 13.18% (bottom quartile).
1Y return: 12.43% (lower mid).
1M return: 0.49% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.48 (lower mid).

Nippon India Balanced Advantage Fund

Upper mid AUM (₹9,725 Cr).
Established history (21+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 10.75% (bottom quartile).
3Y return: 12.74% (bottom quartile).
1Y return: 10.11% (bottom quartile).
1M return: 0.79% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.19 (bottom quartile).

Top 5 Lump sum Multi Asset Allocation Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
UTI Multi Asset Fund Growth	₹79.3414 ↓ -0.62	₹6,720	5,000	0.8	6.8	14.5	20.2	14.5	11.1
SBI Multi Asset Allocation Fund Growth	₹66.9273 ↑ 0.12	₹13,033	5,000	5.3	13	23.2	20.1	14.8	18.6
ICICI Prudential Multi-Asset Fund Growth	₹825.148 ↑ 1.95	₹78,179	5,000	2.7	8.9	17.4	19.8	19.6	18.6
Edelweiss Multi Asset Allocation Fund Growth	₹64.17 ↓ -0.68	₹3,480	5,000	-1.6	0.9	10.6	16.2	14.7	6
Axis Triple Advantage Fund Growth	₹45.5207 ↑ 0.15	₹1,875	5,000	5.6	13.4	24.3	16.1	11.7	15.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Feb 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Multi Asset Fund	SBI Multi Asset Allocation Fund	ICICI Prudential Multi-Asset Fund	Edelweiss Multi Asset Allocation Fund	Axis Triple Advantage Fund
Point 1	Lower mid AUM (₹6,720 Cr).	Upper mid AUM (₹13,033 Cr).	Highest AUM (₹78,179 Cr).	Bottom quartile AUM (₹3,480 Cr).	Bottom quartile AUM (₹1,875 Cr).
Point 2	Established history (17+ yrs).	Established history (20+ yrs).	Oldest track record among peers (23 yrs).	Established history (16+ yrs).	Established history (15+ yrs).
Point 3	Rating: 1★ (bottom quartile).	Top rated.	Rating: 2★ (upper mid).	Rating: 1★ (bottom quartile).	Rating: 2★ (lower mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 14.52% (bottom quartile).	5Y return: 14.77% (upper mid).	5Y return: 19.60% (top quartile).	5Y return: 14.73% (lower mid).	5Y return: 11.73% (bottom quartile).
Point 6	3Y return: 20.20% (top quartile).	3Y return: 20.06% (upper mid).	3Y return: 19.75% (lower mid).	3Y return: 16.21% (bottom quartile).	3Y return: 16.15% (bottom quartile).
Point 7	1Y return: 14.53% (bottom quartile).	1Y return: 23.16% (upper mid).	1Y return: 17.35% (lower mid).	1Y return: 10.58% (bottom quartile).	1Y return: 24.28% (top quartile).
Point 8	1M return: -0.65% (bottom quartile).	1M return: 1.02% (upper mid).	1M return: 0.91% (lower mid).	1M return: 0.50% (bottom quartile).	1M return: 1.41% (top quartile).
Point 9	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: -2.75 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.55 (bottom quartile).	Sharpe: 1.60 (upper mid).	Sharpe: 1.86 (top quartile).	Sharpe: 0.04 (bottom quartile).	Sharpe: 1.01 (lower mid).

UTI Multi Asset Fund

Lower mid AUM (₹6,720 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 14.52% (bottom quartile).
3Y return: 20.20% (top quartile).
1Y return: 14.53% (bottom quartile).
1M return: -0.65% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.55 (bottom quartile).

SBI Multi Asset Allocation Fund

Upper mid AUM (₹13,033 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 14.77% (upper mid).
3Y return: 20.06% (upper mid).
1Y return: 23.16% (upper mid).
1M return: 1.02% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 1.60 (upper mid).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹78,179 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 19.60% (top quartile).
3Y return: 19.75% (lower mid).
1Y return: 17.35% (lower mid).
1M return: 0.91% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 1.86 (top quartile).

Edelweiss Multi Asset Allocation Fund

Bottom quartile AUM (₹3,480 Cr).
Established history (16+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 14.73% (lower mid).
3Y return: 16.21% (bottom quartile).
1Y return: 10.58% (bottom quartile).
1M return: 0.50% (bottom quartile).
Alpha: -2.75 (bottom quartile).
Sharpe: 0.04 (bottom quartile).

Axis Triple Advantage Fund

Bottom quartile AUM (₹1,875 Cr).
Established history (15+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 11.73% (bottom quartile).
3Y return: 16.15% (bottom quartile).
1Y return: 24.28% (top quartile).
1M return: 1.41% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.01 (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 (%)
SBI Equity Savings Fund Growth	₹24.4764 ↓ -0.06	₹5,919	1,000	0.1	2.4	10.6	11.6	9	5
Edelweiss Equity Savings Fund Growth	₹26.1785 ↓ -0.08	₹1,195	5,000	0.5	2.9	9.8	11.3	9.2	8
Kotak Equity Savings Fund Growth	₹27.1246 ↓ -0.15	₹9,651	5,000	-0.4	3	10.2	11.3	10	7.9
HDFC Equity Savings Fund Growth	₹67.893 ↓ -0.32	₹5,897	5,000	0.4	2.8	8.6	10.3	9.6	6.8
Axis Equity Saver Fund Growth	₹22.68 ↓ -0.11	₹927	5,000	-0.3	2.4	7.6	10.1	8.2	5.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Feb 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	SBI Equity Savings Fund	Edelweiss Equity Savings Fund	Kotak Equity Savings Fund	HDFC Equity Savings Fund	Axis Equity Saver Fund
Point 1	Upper mid AUM (₹5,919 Cr).	Bottom quartile AUM (₹1,195 Cr).	Highest AUM (₹9,651 Cr).	Lower mid AUM (₹5,897 Cr).	Bottom quartile AUM (₹927 Cr).
Point 2	Established history (10+ yrs).	Established history (11+ yrs).	Established history (11+ yrs).	Oldest track record among peers (21 yrs).	Established history (10+ 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: 8.99% (bottom quartile).	5Y return: 9.18% (lower mid).	5Y return: 10.04% (top quartile).	5Y return: 9.60% (upper mid).	5Y return: 8.16% (bottom quartile).
Point 6	3Y return: 11.58% (top quartile).	3Y return: 11.32% (upper mid).	3Y return: 11.31% (lower mid).	3Y return: 10.34% (bottom quartile).	3Y return: 10.11% (bottom quartile).
Point 7	1Y return: 10.64% (top quartile).	1Y return: 9.80% (lower mid).	1Y return: 10.17% (upper mid).	1Y return: 8.58% (bottom quartile).	1Y return: 7.64% (bottom quartile).
Point 8	1M return: 0.83% (top quartile).	1M return: 0.68% (upper mid).	1M return: 0.05% (bottom quartile).	1M return: 0.43% (lower mid).	1M return: 0.27% (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: -0.11 (bottom quartile).	Sharpe: 0.48 (top quartile).	Sharpe: 0.32 (upper mid).	Sharpe: 0.17 (lower mid).	Sharpe: -0.10 (bottom quartile).

SBI Equity Savings Fund

Upper mid AUM (₹5,919 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 8.99% (bottom quartile).
3Y return: 11.58% (top quartile).
1Y return: 10.64% (top quartile).
1M return: 0.83% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: -0.11 (bottom quartile).

Edelweiss Equity Savings Fund

Bottom quartile AUM (₹1,195 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 9.18% (lower mid).
3Y return: 11.32% (upper mid).
1Y return: 9.80% (lower mid).
1M return: 0.68% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.48 (top quartile).

Kotak Equity Savings Fund

Highest AUM (₹9,651 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 10.04% (top quartile).
3Y return: 11.31% (lower mid).
1Y return: 10.17% (upper mid).
1M return: 0.05% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.32 (upper mid).

HDFC Equity Savings Fund

Lower mid AUM (₹5,897 Cr).
Oldest track record among peers (21 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 9.60% (upper mid).
3Y return: 10.34% (bottom quartile).
1Y return: 8.58% (bottom quartile).
1M return: 0.43% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.17 (lower mid).

Axis Equity Saver Fund

Bottom quartile AUM (₹927 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 8.16% (bottom quartile).
3Y return: 10.11% (bottom quartile).
1Y return: 7.64% (bottom quartile).
1M return: 0.27% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.10 (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	₹50.704 ↓ -0.70	₹7,086	5,000	-2.6	0.1	10.2	16.8	17.8	5.2
ICICI Prudential Child Care Plan (Gift) Growth	₹326.33 ↓ -2.23	₹1,418	5,000	-2	-2.3	12.9	18.4	14.2	8.3
HDFC Retirement Savings Fund - Hybrid - Equity Plan Growth	₹38.772 ↓ -0.40	₹1,744	5,000	-2.1	0.4	8.8	13.4	12.5	5.4
Tata Retirement Savings Fund - Progressive Growth	₹63.1574 ↓ -0.76	₹2,108	5,000	-3.1	-1.8	10.8	15.6	11.2	-1.2
SBI Magnum Children's Benefit Plan Growth	₹111.209 ↓ -0.06	₹132	5,000	0.2	1.7	7.3	12.5	11.2	3.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Feb 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	HDFC Retirement Savings Fund - Equity Plan	ICICI Prudential Child Care Plan (Gift)	HDFC Retirement Savings Fund - Hybrid - Equity Plan	Tata Retirement Savings Fund - Progressive	SBI Magnum Children's Benefit Plan
Point 1	Highest AUM (₹7,086 Cr).	Bottom quartile AUM (₹1,418 Cr).	Lower mid AUM (₹1,744 Cr).	Upper mid AUM (₹2,108 Cr).	Bottom quartile AUM (₹132 Cr).
Point 2	Established history (9+ yrs).	Oldest track record among peers (24 yrs).	Established history (9+ yrs).	Established history (14+ yrs).	Established history (24+ 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: 17.79% (top quartile).	5Y return: 14.17% (upper mid).	5Y return: 12.53% (lower mid).	5Y return: 11.17% (bottom quartile).	5Y return: 11.16% (bottom quartile).
Point 6	3Y return: 16.84% (upper mid).	3Y return: 18.36% (top quartile).	3Y return: 13.39% (bottom quartile).	3Y return: 15.58% (lower mid).	3Y return: 12.45% (bottom quartile).
Point 7	1Y return: 10.24% (lower mid).	1Y return: 12.89% (top quartile).	1Y return: 8.79% (bottom quartile).	1Y return: 10.79% (upper mid).	1Y return: 7.33% (bottom quartile).
Point 8	1M return: -0.32% (bottom quartile).	1M return: 1.69% (top quartile).	1M return: -0.18% (lower mid).	1M return: -1.05% (bottom quartile).	1M return: 0.62% (upper mid).
Point 9	Alpha: -2.31 (bottom quartile).	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: -8.71 (bottom quartile).	Alpha: 0.00 (lower mid).
Point 10	Sharpe: -0.01 (upper mid).	Sharpe: 0.21 (top quartile).	Sharpe: -0.02 (lower mid).	Sharpe: -0.34 (bottom quartile).	Sharpe: -0.58 (bottom quartile).

HDFC Retirement Savings Fund - Equity Plan

Highest AUM (₹7,086 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 17.79% (top quartile).
3Y return: 16.84% (upper mid).
1Y return: 10.24% (lower mid).
1M return: -0.32% (bottom quartile).
Alpha: -2.31 (bottom quartile).
Sharpe: -0.01 (upper mid).

ICICI Prudential Child Care Plan (Gift)

Bottom quartile AUM (₹1,418 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 14.17% (upper mid).
3Y return: 18.36% (top quartile).
1Y return: 12.89% (top quartile).
1M return: 1.69% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.21 (top quartile).

HDFC Retirement Savings Fund - Hybrid - Equity Plan

Lower mid AUM (₹1,744 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 12.53% (lower mid).
3Y return: 13.39% (bottom quartile).
1Y return: 8.79% (bottom quartile).
1M return: -0.18% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.02 (lower mid).

Tata Retirement Savings Fund - Progressive

Upper mid AUM (₹2,108 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 11.17% (bottom quartile).
3Y return: 15.58% (lower mid).
1Y return: 10.79% (upper mid).
1M return: -1.05% (bottom quartile).
Alpha: -8.71 (bottom quartile).
Sharpe: -0.34 (bottom quartile).

SBI Magnum Children's Benefit Plan

Bottom quartile AUM (₹132 Cr).
Established history (24+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 11.16% (bottom quartile).
3Y return: 12.45% (bottom quartile).
1Y return: 7.33% (bottom quartile).
1M return: 0.62% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.58 (bottom quartile).

Best Lump sum Mutual Fund on 1 Month Performance

1. DSP World Energy Fund

The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in the units of BlackRock Global Funds – World Energy Fund and BlackRock Global Funds – New Energy 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 Energy Fund

Bottom quartile AUM (₹93 Cr).
Oldest track record among peers (16 yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 12.77% (upper mid).
3Y return: 15.68% (bottom quartile).
1Y return: 55.41% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 1.61 (lower mid).
Information ratio: 0.00 (top quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding BGF Sustainable Energy I2 (~98.4%).
Top-3 holdings concentration ~100.3%.

Below is the key information for DSP World Energy Fund

DSP World Energy Fund Growth
Launch Date	14 Aug 09
NAV (18 Feb 26)	₹27.0917 ↑ 0.40 (1.51 %)
Net Assets (Cr)	₹93 on 31 Dec 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆
Risk	High
Expense Ratio	1.18
Sharpe Ratio	1.61
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹11,118
31 Jan 23	₹12,143
31 Jan 24	₹12,127
31 Jan 25	₹12,430
31 Jan 26	₹18,530

DSP World Energy Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684 Invest Now

Returns for DSP World Energy Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26

Duration	Returns
1 Month	8.6%
3 Month	22.1%
6 Month	29.7%
1 Year	55.4%
3 Year	15.7%
5 Year	12.8%
10 Year
15 Year
Since launch	6.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	39.2%
2023	-6.8%
2022	12.9%
2021	-8.6%
2020	29.5%
2019	0%
2018	18.2%
2017	-11.3%
2016	-1.9%
2015	22.5%

Fund Manager information for DSP World Energy Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	12.93 Yr.

Data below for DSP World Energy Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	34.4%
Technology	27.82%
Utility	24.89%
Basic Materials	9.25%

Asset Allocation

Asset Class	Value
Cash	3.62%
Equity	96.36%
Debt	0.02%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF Sustainable Energy I2 Investment Fund \| -	98%	₹101 Cr	417,038
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	2%	₹2 Cr
Net Receivables/Payables Net Current Assets \| -	0%	₹0 Cr

2. Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

The primary investment objective of the Scheme is to seek to provide long term capital growth by investing predominantly in the JPMorgan Funds - Emerging Markets Opportunities Fund, an equity fund which invests primarily in an aggressively managed portfolio of emerging market companies

Research Highlights for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Upper mid AUM (₹169 Cr).
Established history (11+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 4.60% (bottom quartile).
3Y return: 18.65% (lower mid).
1Y return: 51.73% (lower mid).
Alpha: -0.64 (lower mid).
Sharpe: 2.63 (upper mid).
Information ratio: -0.95 (lower mid).
Top sector: Technology.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~93%).
Largest holding JPM Emerging Mkts Opps I (acc) USD (~96.8%).
Top-3 holdings concentration ~100.6%.

Below is the key information for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Edelweiss Emerging Markets Opportunities Equity Off-shore Fund Growth
Launch Date	7 Jul 14
NAV (13 Feb 26)	₹23.9895 ↓ -0.33 (-1.35 %)
Net Assets (Cr)	₹169 on 31 Dec 25
Category	Equity - Global
AMC	Edelweiss Asset Management Limited
Rating	☆☆☆
Risk	High
Expense Ratio	1.04
Sharpe Ratio	2.63
Information Ratio	-0.95
Alpha Ratio	-0.64
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹8,938
31 Jan 23	₹8,042
31 Jan 24	₹7,669
31 Jan 25	₹8,630
31 Jan 26	₹13,335

Edelweiss Emerging Markets Opportunities Equity Off-shore Fund SIP Returns

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

Returns for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26

Duration	Returns
1 Month	8.2%
3 Month	14%
6 Month	31.3%
1 Year	51.7%
3 Year	18.6%
5 Year	4.6%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	41.1%
2023	5.9%
2022	5.5%
2021	-16.8%
2020	-5.9%
2019	21.7%
2018	25.1%
2017	-7.2%
2016	30%
2015	9.8%

Fund Manager information for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Name	Since	Tenure
Bhavesh Jain	9 Apr 18	7.82 Yr.
Bharat Lahoti	1 Oct 21	4.34 Yr.

Data below for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Technology	27.66%
Financial Services	24.86%
Consumer Cyclical	12.11%
Communication Services	11.31%
Industrials	5.06%
Energy	4.92%
Basic Materials	2%
Real Estate	1.66%
Utility	1.05%
Consumer Defensive	0.96%
Health Care	0.94%

Asset Allocation

Asset Class	Value
Cash	6.29%
Equity	93.03%
Other	0.4%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
JPM Emerging Mkts Opps I (acc) USD Investment Fund \| -	97%	₹185 Cr	96,682
Clearing Corporation Of India Ltd. CBLO/Reverse Repo \| -	3%	₹7 Cr
Net Receivables/(Payables) CBLO \| -	0%	-₹1 Cr
Accrued Interest CBLO \| -	0%	₹0 Cr

3. Nippon India Japan Equity Fund

The primary investment objective of Reliance Japan Equity Fund is to provide long term capital appreciation to investors by primarily investing in equity and equity related securities of companies listed on the recognized stock exchanges of Japan and the secondary objective is to generate consistent returns by investing in debt and money market securities of India. However, there can be no assurance or guarantee that the investment objective of the scheme will be achieved.

Research Highlights for Nippon India Japan Equity Fund

Highest AUM (₹269 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: High.
5Y return: 8.90% (lower mid).
3Y return: 19.26% (upper mid).
1Y return: 33.16% (bottom quartile).
Alpha: -6.67 (bottom quartile).
Sharpe: 1.41 (bottom quartile).
Information ratio: -1.25 (bottom quartile).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding Tokyo Electron Ltd (~4.2%).

Below is the key information for Nippon India Japan Equity Fund

Nippon India Japan Equity Fund Growth
Launch Date	26 Aug 14
NAV (19 Feb 26)	₹25.7207 ↑ 0.25 (0.99 %)
Net Assets (Cr)	₹269 on 31 Dec 25
Category	Equity - Global
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	2.45
Sharpe Ratio	1.41
Information Ratio	-1.25
Alpha Ratio	-6.67
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,175
31 Jan 23	₹9,578
31 Jan 24	₹10,854
31 Jan 25	₹12,069
31 Jan 26	₹14,825

Nippon India Japan Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹376,357.
Net Profit of ₹76,357 Invest Now

Returns for Nippon India Japan Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26

Duration	Returns
1 Month	7.8%
3 Month	19.1%
6 Month	18.4%
1 Year	33.2%
3 Year	19.3%
5 Year	8.9%
10 Year
15 Year
Since launch	9.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	19.8%
2023	9.3%
2022	18.7%
2021	-15.3%
2020	5.7%
2019
2018
2017
2016
2015

Fund Manager information for Nippon India Japan Equity Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	7.69 Yr.
Lokesh Maru	5 Sep 25	0.41 Yr.
Divya Sharma	5 Sep 25	0.41 Yr.

Data below for Nippon India Japan Equity Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Industrials	27.04%
Technology	15.87%
Consumer Cyclical	15.73%
Financial Services	13.48%
Consumer Defensive	6.73%
Communication Services	6.35%
Real Estate	6.27%
Basic Materials	3.43%
Health Care	2.81%

Asset Allocation

Asset Class	Value
Cash	2.29%
Equity	97.71%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tokyo Electron Ltd (Technology) Equity, Since 31 Jul 18 \| TKY	4%	₹12 Cr	4,800
Komatsu Ltd (Industrials) Equity, Since 30 Jun 17 \| KOM1	4%	₹11 Cr	30,300
Mitsubishi UFJ Financial Group Inc (Financial Services) Equity, Since 31 Aug 14 \| 8306	4%	₹10 Cr	61,200
Mitsubishi Heavy Industries Ltd (Industrials) Equity, Since 30 Jun 25 \| MHVYF	4%	₹10 Cr	37,400
Ajinomoto Co Inc (Consumer Defensive) Equity, Since 30 Jun 23 \| AJI	4%	₹10 Cr	48,000
SMC Corp (Industrials) Equity, Since 30 Jun 23 \| QMC	4%	₹10 Cr	2,800
Hitachi Ltd (Industrials) Equity, Since 31 Aug 14 \| 6501	4%	₹10 Cr	31,200
Mitsubishi Corp (Industrials) Equity, Since 30 Jun 25 \| 8058	4%	₹10 Cr	40,600
Toyota Motor Corp (Consumer Cyclical) Equity, Since 31 Aug 14 \| TOM	3%	₹10 Cr	47,000
Shin-Etsu Chemical Co Ltd (Basic Materials) Equity, Since 30 Jun 17 \| 4063	3%	₹10 Cr	31,700

4. 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

Lower mid AUM (₹154 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 19.05% (top quartile).
3Y return: 23.48% (top quartile).
1Y return: 93.87% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 3.27 (top quartile).
Information ratio: 0.00 (upper mid).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding BGF World Mining I2 (~99.3%).
Top-3 holdings concentration ~100.5%.

Below is the key information for DSP World Mining Fund

DSP World Mining Fund Growth
Launch Date	29 Dec 09
NAV (18 Feb 26)	₹32.0424 ↑ 1.32 (4.30 %)
Net Assets (Cr)	₹154 on 31 Dec 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.14
Sharpe Ratio	3.27
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹11,733
31 Jan 23	₹14,422
31 Jan 24	₹12,454
31 Jan 25	₹12,799
31 Jan 26	₹25,833

DSP World Mining Fund SIP Returns

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

Returns for DSP World Mining Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26

Duration	Returns
1 Month	7.3%
3 Month	40.2%
6 Month	69.1%
1 Year	93.9%
3 Year	23.5%
5 Year	19%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for DSP World Mining Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	12.93 Yr.

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

Equity Sector Allocation

Sector	Value
Basic Materials	95.77%
Energy	1.05%

Asset Allocation

Asset Class	Value
Cash	3.15%
Equity	96.82%
Debt	0.02%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Mining I2 Investment Fund \| -	99%	₹180 Cr	149,227 ↓ -1,163
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	1%	₹2 Cr
Net Receivables/Payables Net Current Assets \| -	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.

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Tips to Invest Lump Sum in 2025

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

FAQs on Lump Sum Mutual Funds

Q1. Is lump sum better than SIP?

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

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

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

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

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

Q4. Which category is best for lump sum?

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

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

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

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