5 Best Performing Lump sum Investments 2025 - 2026

Updated on December 13, 2025 , 155560 views

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

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

What is Lump Sum Investment in Mutual Funds?

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

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

Key Difference (Lump Sum vs SIP):

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

Why Choose Lump Sum Investments?

Lump sum investing is suitable for:

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

Advantages:

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

Risks:

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

Best Performing Lump Sum Mutual Funds in India 2025

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

Fund Selection Methodology used to find 9 funds

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

Top 5 Lump sum Large Cap Equity Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
IDBI India Top 100 Equity Fund Growth	₹44.16 ↑ 0.05	₹655	5,000	9.2	12.5	15.4	21.9	12.6
Nippon India Large Cap Fund Growth	₹93.9666 ↓ -0.09	₹48,871	5,000	1.8	5.4	4.5	18.6	20.8	18.2
ICICI Prudential Bluechip Fund Growth	₹115.37 ↓ -0.12	₹75,863	5,000	3.8	6.3	6.4	17.7	18.6	16.9
DSP TOP 100 Equity Growth	₹486.661 ↓ -1.33	₹6,934	1,000	2.5	3.2	4.7	17.6	15.6	20.5
Bandhan Large Cap Fund Growth	₹80.122 ↓ -0.04	₹2,017	5,000	3.4	6.4	4.3	16.8	15.8	18.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jul 23

Research Highlights & Commentary of 5 Funds showcased

Commentary	IDBI India Top 100 Equity Fund	Nippon India Large Cap Fund	ICICI Prudential Bluechip Fund	DSP TOP 100 Equity	Bandhan Large Cap Fund
Point 1	Bottom quartile AUM (₹655 Cr).	Upper mid AUM (₹48,871 Cr).	Highest AUM (₹75,863 Cr).	Lower mid AUM (₹6,934 Cr).	Bottom quartile AUM (₹2,017 Cr).
Point 2	Established history (13+ yrs).	Established history (18+ yrs).	Established history (17+ yrs).	Oldest track record among peers (22 yrs).	Established history (19+ yrs).
Point 3	Rating: 3★ (lower mid).	Top rated.	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 12.61% (bottom quartile).	5Y return: 20.77% (top quartile).	5Y return: 18.56% (upper mid).	5Y return: 15.63% (bottom quartile).	5Y return: 15.76% (lower mid).
Point 6	3Y return: 21.88% (top quartile).	3Y return: 18.55% (upper mid).	3Y return: 17.66% (lower mid).	3Y return: 17.59% (bottom quartile).	3Y return: 16.81% (bottom quartile).
Point 7	1Y return: 15.39% (top quartile).	1Y return: 4.51% (bottom quartile).	1Y return: 6.41% (upper mid).	1Y return: 4.75% (lower mid).	1Y return: 4.26% (bottom quartile).
Point 8	Alpha: 2.11 (top quartile).	Alpha: 0.46 (lower mid).	Alpha: 0.55 (upper mid).	Alpha: -2.26 (bottom quartile).	Alpha: -0.04 (bottom quartile).
Point 9	Sharpe: 1.09 (top quartile).	Sharpe: 0.15 (upper mid).	Sharpe: 0.12 (lower mid).	Sharpe: -0.10 (bottom quartile).	Sharpe: 0.11 (bottom quartile).
Point 10	Information ratio: 0.14 (bottom quartile).	Information ratio: 1.44 (top quartile).	Information ratio: 1.23 (upper mid).	Information ratio: 0.51 (bottom quartile).	Information ratio: 0.53 (lower 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% (top quartile).
Alpha: 2.11 (top quartile).
Sharpe: 1.09 (top quartile).
Information ratio: 0.14 (bottom quartile).

Nippon India Large Cap Fund

Upper mid AUM (₹48,871 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 20.77% (top quartile).
3Y return: 18.55% (upper mid).
1Y return: 4.51% (bottom quartile).
Alpha: 0.46 (lower mid).
Sharpe: 0.15 (upper mid).
Information ratio: 1.44 (top quartile).

ICICI Prudential Bluechip Fund

Highest AUM (₹75,863 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 18.56% (upper mid).
3Y return: 17.66% (lower mid).
1Y return: 6.41% (upper mid).
Alpha: 0.55 (upper mid).
Sharpe: 0.12 (lower mid).
Information ratio: 1.23 (upper mid).

DSP TOP 100 Equity

Lower mid AUM (₹6,934 Cr).
Oldest track record among peers (22 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.63% (bottom quartile).
3Y return: 17.59% (bottom quartile).
1Y return: 4.75% (lower mid).
Alpha: -2.26 (bottom quartile).
Sharpe: -0.10 (bottom quartile).
Information ratio: 0.51 (bottom quartile).

Bandhan Large Cap Fund

Bottom quartile AUM (₹2,017 Cr).
Established history (19+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.76% (lower mid).
3Y return: 16.81% (bottom quartile).
1Y return: 4.26% (bottom quartile).
Alpha: -0.04 (bottom quartile).
Sharpe: 0.11 (bottom quartile).
Information ratio: 0.53 (lower mid).

About the Fincash Research Team

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

Who We Are

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

Our Expertise

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

Our Research Process

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

Why Trust Us

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

Disclaimer

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

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Top 5 Lump sum Mid Cap Equity Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Motilal Oswal Midcap 30 Fund Growth	₹100.634 ↑ 0.23	₹37,501	5,000	-4	0.6	-11.6	24.5	28.6	57.1
Edelweiss Mid Cap Fund Growth	₹103.677 ↑ 0.00	₹12,647	5,000	2	3.5	0.5	24.2	25.3	38.9
Invesco India Mid Cap Fund Growth	₹184.85 ↑ 0.09	₹9,320	5,000	1.6	6.2	5.6	26.3	24.9	43.1
Sundaram Mid Cap Fund Growth	₹1,425.9 ↓ -0.83	₹13,236	5,000	1.7	5.2	1.2	23.1	23.1	32
ICICI Prudential MidCap Fund Growth	₹310.9 ↑ 0.64	₹6,964	5,000	3.5	5.2	4.8	21.8	22.7	27
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 15 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Motilal Oswal Midcap 30 Fund	Edelweiss Mid Cap Fund	Invesco India Mid Cap Fund	Sundaram Mid Cap Fund	ICICI Prudential MidCap Fund
Point 1	Highest AUM (₹37,501 Cr).	Lower mid AUM (₹12,647 Cr).	Bottom quartile AUM (₹9,320 Cr).	Upper mid AUM (₹13,236 Cr).	Bottom quartile AUM (₹6,964 Cr).
Point 2	Established history (11+ yrs).	Established history (17+ yrs).	Established history (18+ yrs).	Oldest track record among peers (23 yrs).	Established history (21+ yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Top rated.	Rating: 2★ (bottom quartile).
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: 28.60% (top quartile).	5Y return: 25.33% (upper mid).	5Y return: 24.88% (lower mid).	5Y return: 23.11% (bottom quartile).	5Y return: 22.73% (bottom quartile).
Point 6	3Y return: 24.50% (upper mid).	3Y return: 24.21% (lower mid).	3Y return: 26.29% (top quartile).	3Y return: 23.10% (bottom quartile).	3Y return: 21.76% (bottom quartile).
Point 7	1Y return: -11.62% (bottom quartile).	1Y return: 0.53% (bottom quartile).	1Y return: 5.56% (top quartile).	1Y return: 1.20% (lower mid).	1Y return: 4.80% (upper mid).
Point 8	Alpha: -4.22 (bottom quartile).	Alpha: -0.23 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: -0.05 (lower mid).	Alpha: 2.69 (top quartile).
Point 9	Sharpe: -0.13 (bottom quartile).	Sharpe: 0.07 (bottom quartile).	Sharpe: 0.43 (top quartile).	Sharpe: 0.08 (lower mid).	Sharpe: 0.22 (upper mid).
Point 10	Information ratio: 0.20 (top quartile).	Information ratio: 0.18 (upper mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.16 (lower mid).	Information ratio: -0.29 (bottom quartile).

Motilal Oswal Midcap 30 Fund

Highest AUM (₹37,501 Cr).
Established history (11+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 28.60% (top quartile).
3Y return: 24.50% (upper mid).
1Y return: -11.62% (bottom quartile).
Alpha: -4.22 (bottom quartile).
Sharpe: -0.13 (bottom quartile).
Information ratio: 0.20 (top quartile).

Edelweiss Mid Cap Fund

Lower mid AUM (₹12,647 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 25.33% (upper mid).
3Y return: 24.21% (lower mid).
1Y return: 0.53% (bottom quartile).
Alpha: -0.23 (bottom quartile).
Sharpe: 0.07 (bottom quartile).
Information ratio: 0.18 (upper mid).

Invesco India Mid Cap Fund

Bottom quartile AUM (₹9,320 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 24.88% (lower mid).
3Y return: 26.29% (top quartile).
1Y return: 5.56% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.43 (top quartile).
Information ratio: 0.00 (bottom quartile).

Sundaram Mid Cap Fund

Upper mid AUM (₹13,236 Cr).
Oldest track record among peers (23 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 23.11% (bottom quartile).
3Y return: 23.10% (bottom quartile).
1Y return: 1.20% (lower mid).
Alpha: -0.05 (lower mid).
Sharpe: 0.08 (lower mid).
Information ratio: 0.16 (lower mid).

ICICI Prudential MidCap Fund

Bottom quartile AUM (₹6,964 Cr).
Established history (21+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 22.73% (bottom quartile).
3Y return: 21.76% (bottom quartile).
1Y return: 4.80% (upper mid).
Alpha: 2.69 (top quartile).
Sharpe: 0.22 (upper mid).
Information ratio: -0.29 (bottom quartile).

Top 5 Lump sum Small Cap Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
HDFC Small Cap Fund Growth	₹139.049 ↑ 1.08	₹38,412	5,000	-3	1.5	-3.8	19.8	25.4	20.4
Franklin India Smaller Companies Fund Growth	₹164.357 ↑ 0.16	₹13,790	5,000	-3.8	-5.1	-10.8	18.6	23.5	23.2
Sundaram Small Cap Fund Growth	₹259.835 ↑ 1.46	₹3,496	5,000	-0.7	1.2	-2.9	19.5	23.1	19.1
IDBI Small Cap Fund Growth	₹29.1278 ↑ 0.18	₹647	5,000	-6.3	-3.1	-15.1	15.4	22.9	40
ICICI Prudential Smallcap Fund Growth	₹85.84 ↑ 0.10	₹8,622	5,000	-3.8	-0.6	-4.2	15.9	22.8	15.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 15 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	HDFC Small Cap Fund	Franklin India Smaller Companies Fund	Sundaram Small Cap Fund	IDBI Small Cap Fund	ICICI Prudential Smallcap Fund
Point 1	Highest AUM (₹38,412 Cr).	Upper mid AUM (₹13,790 Cr).	Bottom quartile AUM (₹3,496 Cr).	Bottom quartile AUM (₹647 Cr).	Lower mid AUM (₹8,622 Cr).
Point 2	Established history (17+ yrs).	Established history (19+ yrs).	Oldest track record among peers (20 yrs).	Established history (8+ yrs).	Established history (18+ yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 3★ (lower mid).	Not Rated.	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 25.37% (top quartile).	5Y return: 23.46% (upper mid).	5Y return: 23.05% (lower mid).	5Y return: 22.92% (bottom quartile).	5Y return: 22.82% (bottom quartile).
Point 6	3Y return: 19.75% (top quartile).	3Y return: 18.61% (lower mid).	3Y return: 19.48% (upper mid).	3Y return: 15.37% (bottom quartile).	3Y return: 15.93% (bottom quartile).
Point 7	1Y return: -3.75% (upper mid).	1Y return: -10.80% (bottom quartile).	1Y return: -2.88% (top quartile).	1Y return: -15.06% (bottom quartile).	1Y return: -4.16% (lower mid).
Point 8	Alpha: 0.00 (upper mid).	Alpha: -3.92 (bottom quartile).	Alpha: 2.09 (top quartile).	Alpha: -5.20 (bottom quartile).	Alpha: -1.20 (lower mid).
Point 9	Sharpe: -0.07 (top quartile).	Sharpe: -0.40 (bottom quartile).	Sharpe: -0.12 (upper mid).	Sharpe: -0.43 (bottom quartile).	Sharpe: -0.28 (lower mid).
Point 10	Information ratio: 0.00 (top quartile).	Information ratio: -0.26 (upper mid).	Information ratio: -0.43 (lower mid).	Information ratio: -0.79 (bottom quartile).	Information ratio: -0.85 (bottom quartile).

HDFC Small Cap Fund

Highest AUM (₹38,412 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 25.37% (top quartile).
3Y return: 19.75% (top quartile).
1Y return: -3.75% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.07 (top quartile).
Information ratio: 0.00 (top quartile).

Franklin India Smaller Companies Fund

Upper mid AUM (₹13,790 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 23.46% (upper mid).
3Y return: 18.61% (lower mid).
1Y return: -10.80% (bottom quartile).
Alpha: -3.92 (bottom quartile).
Sharpe: -0.40 (bottom quartile).
Information ratio: -0.26 (upper mid).

Sundaram Small Cap Fund

Bottom quartile AUM (₹3,496 Cr).
Oldest track record among peers (20 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 23.05% (lower mid).
3Y return: 19.48% (upper mid).
1Y return: -2.88% (top quartile).
Alpha: 2.09 (top quartile).
Sharpe: -0.12 (upper mid).
Information ratio: -0.43 (lower mid).

IDBI Small Cap Fund

Bottom quartile AUM (₹647 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 22.92% (bottom quartile).
3Y return: 15.37% (bottom quartile).
1Y return: -15.06% (bottom quartile).
Alpha: -5.20 (bottom quartile).
Sharpe: -0.43 (bottom quartile).
Information ratio: -0.79 (bottom quartile).

ICICI Prudential Smallcap Fund

Lower mid AUM (₹8,622 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 22.82% (bottom quartile).
3Y return: 15.93% (bottom quartile).
1Y return: -4.16% (lower mid).
Alpha: -1.20 (lower mid).
Sharpe: -0.28 (lower mid).
Information ratio: -0.85 (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
Motilal Oswal Multicap 35 Fund Growth	₹61.2322 ↑ 0.16	₹14,319	5,000	-2.7	2.2	-6.3	21.3	16.1	45.7
Nippon India Multi Cap Fund Growth	₹301.407 ↓ -0.18	₹49,314	5,000	-1.1	2.2	0.7	21	25.5	25.8
HDFC Equity Fund Growth	₹2,069.41 ↓ -3.87	₹91,041	5,000	2.5	6.4	8	20.8	24	23.5
JM Multicap Fund Growth	₹96.9818 ↓ -0.05	₹6,080	5,000	-1.9	0.8	-9.2	19.4	20.6	33.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jul 23

Research Highlights & Commentary of 5 Funds showcased

Commentary	IDBI Diversified Equity Fund	Motilal Oswal Multicap 35 Fund	Nippon India Multi Cap Fund	HDFC Equity Fund	JM Multicap Fund
Point 1	Bottom quartile AUM (₹382 Cr).	Lower mid AUM (₹14,319 Cr).	Upper mid AUM (₹49,314 Cr).	Highest AUM (₹91,041 Cr).	Bottom quartile AUM (₹6,080 Cr).
Point 2	Established history (11+ yrs).	Established history (11+ yrs).	Established history (20+ yrs).	Oldest track record among peers (30 yrs).	Established history (17+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Top rated.	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 12.03% (bottom quartile).	5Y return: 16.12% (bottom quartile).	5Y return: 25.55% (top quartile).	5Y return: 23.96% (upper mid).	5Y return: 20.57% (lower mid).
Point 6	3Y return: 22.73% (top quartile).	3Y return: 21.26% (upper mid).	3Y return: 20.97% (lower mid).	3Y return: 20.80% (bottom quartile).	3Y return: 19.42% (bottom quartile).
Point 7	1Y return: 13.54% (top quartile).	1Y return: -6.28% (bottom quartile).	1Y return: 0.66% (lower mid).	1Y return: 7.99% (upper mid).	1Y return: -9.21% (bottom quartile).
Point 8	Alpha: -1.07 (bottom quartile).	Alpha: 0.60 (upper mid).	Alpha: -0.58 (lower mid).	Alpha: 3.93 (top quartile).	Alpha: -10.27 (bottom quartile).
Point 9	Sharpe: 1.01 (top quartile).	Sharpe: 0.05 (lower mid).	Sharpe: -0.07 (bottom quartile).	Sharpe: 0.39 (upper mid).	Sharpe: -0.64 (bottom quartile).
Point 10	Information ratio: -0.53 (bottom quartile).	Information ratio: 0.57 (bottom quartile).	Information ratio: 0.64 (lower mid).	Information ratio: 1.44 (top quartile).	Information ratio: 0.89 (upper mid).

IDBI Diversified Equity Fund

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

Motilal Oswal Multicap 35 Fund

Lower mid AUM (₹14,319 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 16.12% (bottom quartile).
3Y return: 21.26% (upper mid).
1Y return: -6.28% (bottom quartile).
Alpha: 0.60 (upper mid).
Sharpe: 0.05 (lower mid).
Information ratio: 0.57 (bottom quartile).

Nippon India Multi Cap Fund

Upper mid AUM (₹49,314 Cr).
Established history (20+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 25.55% (top quartile).
3Y return: 20.97% (lower mid).
1Y return: 0.66% (lower mid).
Alpha: -0.58 (lower mid).
Sharpe: -0.07 (bottom quartile).
Information ratio: 0.64 (lower mid).

HDFC Equity Fund

Highest AUM (₹91,041 Cr).
Oldest track record among peers (30 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 23.96% (upper mid).
3Y return: 20.80% (bottom quartile).
1Y return: 7.99% (upper mid).
Alpha: 3.93 (top quartile).
Sharpe: 0.39 (upper mid).
Information ratio: 1.44 (top quartile).

JM Multicap Fund

Bottom quartile AUM (₹6,080 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 20.57% (lower mid).
3Y return: 19.42% (bottom quartile).
1Y return: -9.21% (bottom quartile).
Alpha: -10.27 (bottom quartile).
Sharpe: -0.64 (bottom quartile).
Information ratio: 0.89 (upper mid).

Top 5 Lump sum (ELSS) Equity Linked Saving Scheme

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
SBI Magnum Tax Gain Fund Growth	₹448.918 ↓ -0.26	₹31,783	500	2.5	3.5	1.6	22.4	22.1	27.7
Motilal Oswal Long Term Equity Fund Growth	₹50.2899 ↑ 0.26	₹4,515	500	-4.6	-2.1	-10.7	21.5	20.6	47.7
IDBI Equity Advantage Fund Growth	₹43.39 ↑ 0.04	₹485	500	9.7	15.1	16.9	20.8	10
HDFC Long Term Advantage Fund Growth	₹595.168 ↑ 0.28	₹1,318	500	1.2	15.4	35.5	20.6	17.4
HDFC Tax Saver Fund Growth	₹1,457.35 ↓ -2.50	₹17,194	500	2.1	5.2	6.3	20.4	22.4	21.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 15 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	SBI Magnum Tax Gain Fund	Motilal Oswal Long Term Equity Fund	IDBI Equity Advantage Fund	HDFC Long Term Advantage Fund	HDFC Tax Saver Fund
Point 1	Highest AUM (₹31,783 Cr).	Lower mid AUM (₹4,515 Cr).	Bottom quartile AUM (₹485 Cr).	Bottom quartile AUM (₹1,318 Cr).	Upper mid AUM (₹17,194 Cr).
Point 2	Established history (18+ yrs).	Established history (10+ yrs).	Established history (12+ yrs).	Established history (24+ 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: 22.10% (upper mid).	5Y return: 20.60% (lower mid).	5Y return: 9.97% (bottom quartile).	5Y return: 17.39% (bottom quartile).	5Y return: 22.39% (top quartile).
Point 6	3Y return: 22.42% (top quartile).	3Y return: 21.50% (upper mid).	3Y return: 20.84% (lower mid).	3Y return: 20.64% (bottom quartile).	3Y return: 20.37% (bottom quartile).
Point 7	1Y return: 1.64% (bottom quartile).	1Y return: -10.73% (bottom quartile).	1Y return: 16.92% (upper mid).	1Y return: 35.51% (top quartile).	1Y return: 6.33% (lower mid).
Point 8	Alpha: -2.21 (bottom quartile).	Alpha: -2.71 (bottom quartile).	Alpha: 1.78 (upper mid).	Alpha: 1.75 (lower mid).	Alpha: 2.58 (top quartile).
Point 9	Sharpe: -0.18 (bottom quartile).	Sharpe: -0.08 (bottom quartile).	Sharpe: 1.21 (upper mid).	Sharpe: 2.27 (top quartile).	Sharpe: 0.25 (lower mid).
Point 10	Information ratio: 1.86 (top quartile).	Information ratio: 0.75 (lower mid).	Information ratio: -1.13 (bottom quartile).	Information ratio: -0.15 (bottom quartile).	Information ratio: 1.38 (upper mid).

SBI Magnum Tax Gain Fund

Highest AUM (₹31,783 Cr).
Established history (18+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 22.10% (upper mid).
3Y return: 22.42% (top quartile).
1Y return: 1.64% (bottom quartile).
Alpha: -2.21 (bottom quartile).
Sharpe: -0.18 (bottom quartile).
Information ratio: 1.86 (top quartile).

Motilal Oswal Long Term Equity Fund

Lower mid AUM (₹4,515 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 20.60% (lower mid).
3Y return: 21.50% (upper mid).
1Y return: -10.73% (bottom quartile).
Alpha: -2.71 (bottom quartile).
Sharpe: -0.08 (bottom quartile).
Information ratio: 0.75 (lower mid).

IDBI Equity Advantage Fund

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

HDFC Long Term Advantage Fund

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

HDFC Tax Saver Fund

Upper mid AUM (₹17,194 Cr).
Oldest track record among peers (29 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 22.39% (top quartile).
3Y return: 20.37% (bottom quartile).
1Y return: 6.33% (lower mid).
Alpha: 2.58 (top quartile).
Sharpe: 0.25 (lower mid).
Information ratio: 1.38 (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 (%)
Franklin India Opportunities Fund Growth	₹257.511 ↑ 0.10	₹8,189	5,000	-0.5	3.9	0.4	27.7	23.6	37.3
Invesco India PSU Equity Fund Growth	₹64.33 ↑ 0.09	₹1,466	5,000	1.7	0.9	-0.1	26.7	26.5	25.6
SBI PSU Fund Growth	₹32.9939 ↓ -0.02	₹5,714	5,000	4.2	3.4	1.4	26.1	28.2	23.5
LIC MF Infrastructure Fund Growth	₹49.0613 ↑ 0.34	₹1,054	5,000	-2	-0.9	-7	25.7	26.6	47.8
Franklin Build India Fund Growth	₹141.666 ↑ 0.21	₹3,088	5,000	-0.1	2.1	-2.1	24.3	26.7	27.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 15 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Franklin India Opportunities Fund	Invesco India PSU Equity Fund	SBI PSU Fund	LIC MF Infrastructure Fund	Franklin Build India Fund
Point 1	Highest AUM (₹8,189 Cr).	Bottom quartile AUM (₹1,466 Cr).	Upper mid AUM (₹5,714 Cr).	Bottom quartile AUM (₹1,054 Cr).	Lower mid AUM (₹3,088 Cr).
Point 2	Oldest track record among peers (25 yrs).	Established history (16+ yrs).	Established history (15+ yrs).	Established history (17+ yrs).	Established history (16+ yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Not Rated.	Top rated.
Point 4	Risk profile: Moderately High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 23.65% (bottom quartile).	5Y return: 26.54% (bottom quartile).	5Y return: 28.20% (top quartile).	5Y return: 26.60% (lower mid).	5Y return: 26.70% (upper mid).
Point 6	3Y return: 27.66% (top quartile).	3Y return: 26.67% (upper mid).	3Y return: 26.07% (lower mid).	3Y return: 25.74% (bottom quartile).	3Y return: 24.32% (bottom quartile).
Point 7	1Y return: 0.44% (upper mid).	1Y return: -0.12% (lower mid).	1Y return: 1.41% (top quartile).	1Y return: -6.96% (bottom quartile).	1Y return: -2.11% (bottom quartile).
Point 8	Alpha: 0.68 (top quartile).	Alpha: -0.54 (lower mid).	Alpha: -0.58 (bottom quartile).	Alpha: -6.32 (bottom quartile).	Alpha: 0.00 (upper mid).
Point 9	Sharpe: 0.06 (lower mid).	Sharpe: 0.09 (top quartile).	Sharpe: 0.09 (upper mid).	Sharpe: -0.04 (bottom quartile).	Sharpe: -0.11 (bottom quartile).
Point 10	Information ratio: 1.78 (top quartile).	Information ratio: -0.60 (bottom quartile).	Information ratio: -0.57 (bottom quartile).	Information ratio: 0.40 (upper mid).	Information ratio: 0.00 (lower mid).

Franklin India Opportunities Fund

Highest AUM (₹8,189 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 23.65% (bottom quartile).
3Y return: 27.66% (top quartile).
1Y return: 0.44% (upper mid).
Alpha: 0.68 (top quartile).
Sharpe: 0.06 (lower mid).
Information ratio: 1.78 (top quartile).

Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,466 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 26.54% (bottom quartile).
3Y return: 26.67% (upper mid).
1Y return: -0.12% (lower mid).
Alpha: -0.54 (lower mid).
Sharpe: 0.09 (top quartile).
Information ratio: -0.60 (bottom quartile).

SBI PSU Fund

Upper mid AUM (₹5,714 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 28.20% (top quartile).
3Y return: 26.07% (lower mid).
1Y return: 1.41% (top quartile).
Alpha: -0.58 (bottom quartile).
Sharpe: 0.09 (upper mid).
Information ratio: -0.57 (bottom quartile).

LIC MF Infrastructure Fund

Bottom quartile AUM (₹1,054 Cr).
Established history (17+ yrs).
Not Rated.
Risk profile: High.
5Y return: 26.60% (lower mid).
3Y return: 25.74% (bottom quartile).
1Y return: -6.96% (bottom quartile).
Alpha: -6.32 (bottom quartile).
Sharpe: -0.04 (bottom quartile).
Information ratio: 0.40 (upper mid).

Franklin Build India Fund

Lower mid AUM (₹3,088 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: High.
5Y return: 26.70% (upper mid).
3Y return: 24.32% (bottom quartile).
1Y return: -2.11% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.11 (bottom quartile).
Information ratio: 0.00 (lower mid).

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

Top 5 Lump sum Ultra Short Term Debt Mutual Funds

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

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹564.568 ↑ 0.13	₹22,389	1,000	1.5	3.2	7.5	7.5	7.9	6.81%	5M 19D	6M 22D
ICICI Prudential Ultra Short Term Fund Growth	₹28.4908 ↑ 0.01	₹17,841	5,000	1.5	3	7.1	7.2	7.5	6.64%	4M 24D	6M 11D
SBI Magnum Ultra Short Duration Fund Growth	₹6,142.12 ↑ 1.90	₹14,505	5,000	1.5	3	7	7.1	7.4	6.39%	4M 20D	5M 26D
Invesco India Ultra Short Term Fund Growth	₹2,769.44 ↑ 0.99	₹1,259	5,000	1.4	2.9	6.9	7	7.5	6.37%	4M 23D	5M 2D
Kotak Savings Fund Growth	₹44.0347 ↑ 0.01	₹15,149	5,000	1.4	2.9	6.9	7	7.2	6.49%	5M 12D	6M 11D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 15 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Savings Fund	ICICI Prudential Ultra Short Term Fund	SBI Magnum Ultra Short Duration Fund	Invesco India Ultra Short Term Fund	Kotak Savings Fund
Point 1	Highest AUM (₹22,389 Cr).	Upper mid AUM (₹17,841 Cr).	Bottom quartile AUM (₹14,505 Cr).	Bottom quartile AUM (₹1,259 Cr).	Lower mid AUM (₹15,149 Cr).
Point 2	Established history (22+ yrs).	Established history (14+ yrs).	Oldest track record among peers (26 yrs).	Established history (14+ yrs).	Established history (21+ yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Low.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	1Y return: 7.48% (top quartile).	1Y return: 7.14% (upper mid).	1Y return: 7.05% (lower mid).	1Y return: 6.91% (bottom quartile).	1Y return: 6.86% (bottom quartile).
Point 6	1M return: 0.41% (upper mid).	1M return: 0.41% (bottom quartile).	1M return: 0.44% (top quartile).	1M return: 0.41% (lower mid).	1M return: 0.40% (bottom quartile).
Point 7	Sharpe: 3.40 (top quartile).	Sharpe: 2.79 (upper mid).	Sharpe: 2.48 (lower mid).	Sharpe: 2.37 (bottom quartile).	Sharpe: 1.86 (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% (top quartile).	Yield to maturity (debt): 6.64% (upper mid).	Yield to maturity (debt): 6.39% (bottom quartile).	Yield to maturity (debt): 6.37% (bottom quartile).	Yield to maturity (debt): 6.49% (lower mid).
Point 10	Modified duration: 0.47 yrs (bottom quartile).	Modified duration: 0.40 yrs (lower mid).	Modified duration: 0.39 yrs (top quartile).	Modified duration: 0.40 yrs (upper mid).	Modified duration: 0.45 yrs (bottom quartile).

Aditya Birla Sun Life Savings Fund

Highest AUM (₹22,389 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.48% (top quartile).
1M return: 0.41% (upper mid).
Sharpe: 3.40 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.81% (top quartile).
Modified duration: 0.47 yrs (bottom quartile).

ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹17,841 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.14% (upper mid).
1M return: 0.41% (bottom quartile).
Sharpe: 2.79 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.64% (upper mid).
Modified duration: 0.40 yrs (lower mid).

SBI Magnum Ultra Short Duration Fund

Bottom quartile AUM (₹14,505 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 7.05% (lower mid).
1M return: 0.44% (top quartile).
Sharpe: 2.48 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.39% (bottom quartile).
Modified duration: 0.39 yrs (top quartile).

Invesco India Ultra Short Term Fund

Bottom quartile AUM (₹1,259 Cr).
Established history (14+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.91% (bottom quartile).
1M return: 0.41% (lower mid).
Sharpe: 2.37 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.37% (bottom quartile).
Modified duration: 0.40 yrs (upper mid).

Kotak Savings Fund

Lower mid AUM (₹15,149 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.86% (bottom quartile).
1M return: 0.40% (bottom quartile).
Sharpe: 1.86 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.49% (lower mid).
Modified duration: 0.45 yrs (bottom quartile).

Top 5 Lump sum Short Term Debt Mutual Funds

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

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Sundaram Short Term Debt Fund Growth	₹36.3802 ↑ 0.01	₹362	5,000	0.8	11.4	12.8	5.3		4.52%	1Y 2M 13D	1Y 7M 3D
Axis Short Term Fund Growth	₹31.8036 ↓ 0.00	₹12,346	5,000	1.5	2.8	8	7.6	8	6.88%	2Y 2M 19D	2Y 8M 26D
ICICI Prudential Short Term Fund Growth	₹61.9735 ↑ 0.01	₹22,880	5,000	1.7	3	8	7.7	7.8	7.19%	2Y 7M 13D	4Y 8M 12D
Nippon India Short Term Fund Growth	₹54.2894 ↓ -0.01	₹9,297	5,000	1.5	2.7	7.9	7.5	8	7.04%	2Y 8M 1D	3Y 3M 29D
HDFC Short Term Debt Fund Growth	₹32.9256 ↓ -0.01	₹17,947	5,000	1.6	2.7	7.8	7.7	8.3	6.98%	2Y 3M 14D	3Y 5M 8D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Dec 21

Research Highlights & Commentary of 5 Funds showcased

Commentary	Sundaram Short Term Debt Fund	Axis Short Term Fund	ICICI Prudential Short Term Fund	Nippon India Short Term Fund	HDFC Short Term Debt Fund
Point 1	Bottom quartile AUM (₹362 Cr).	Lower mid AUM (₹12,346 Cr).	Highest AUM (₹22,880 Cr).	Bottom quartile AUM (₹9,297 Cr).	Upper mid AUM (₹17,947 Cr).
Point 2	Established history (23+ yrs).	Established history (15+ yrs).	Oldest track record among peers (24 yrs).	Established history (23+ 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: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.
Point 5	1Y return: 12.83% (top quartile).	1Y return: 7.99% (upper mid).	1Y return: 7.96% (lower mid).	1Y return: 7.90% (bottom quartile).	1Y return: 7.77% (bottom quartile).
Point 6	1M return: 0.20% (upper mid).	1M return: 0.17% (lower mid).	1M return: 0.29% (top quartile).	1M return: 0.15% (bottom quartile).	1M return: 0.16% (bottom quartile).
Point 7	Sharpe: 0.98 (bottom quartile).	Sharpe: 1.73 (top quartile).	Sharpe: 1.59 (upper mid).	Sharpe: 1.45 (lower mid).	Sharpe: 1.44 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 4.52% (bottom quartile).	Yield to maturity (debt): 6.88% (bottom quartile).	Yield to maturity (debt): 7.19% (top quartile).	Yield to maturity (debt): 7.04% (upper mid).	Yield to maturity (debt): 6.98% (lower mid).
Point 10	Modified duration: 1.20 yrs (top quartile).	Modified duration: 2.22 yrs (upper mid).	Modified duration: 2.62 yrs (bottom quartile).	Modified duration: 2.67 yrs (bottom quartile).	Modified duration: 2.29 yrs (lower mid).

Sundaram Short Term Debt Fund

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

Axis Short Term Fund

Lower mid AUM (₹12,346 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.99% (upper mid).
1M return: 0.17% (lower mid).
Sharpe: 1.73 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.88% (bottom quartile).
Modified duration: 2.22 yrs (upper mid).

ICICI Prudential Short Term Fund

Highest AUM (₹22,880 Cr).
Oldest track record among peers (24 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 7.96% (lower mid).
1M return: 0.29% (top quartile).
Sharpe: 1.59 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.19% (top quartile).
Modified duration: 2.62 yrs (bottom quartile).

Nippon India Short Term Fund

Bottom quartile AUM (₹9,297 Cr).
Established history (23+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.90% (bottom quartile).
1M return: 0.15% (bottom quartile).
Sharpe: 1.45 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.04% (upper mid).
Modified duration: 2.67 yrs (bottom quartile).

HDFC Short Term Debt Fund

Upper mid AUM (₹17,947 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.77% (bottom quartile).
1M return: 0.16% (bottom quartile).
Sharpe: 1.44 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.98% (lower mid).
Modified duration: 2.29 yrs (lower mid).

Top 5 Lump sum Liquid Mutual Funds

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

Fund	NAV	Net Assets (Cr)	Min Investment	1 MO (%)	3 MO (%)	6 MO (%)	1 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Axis Liquid Fund Growth	₹2,984.14 ↑ 0.37	₹35,360	500	0.5	1.4	2.9	6.6	7.4	6%	1M 6D	1M 8D
Edelweiss Liquid Fund Growth	₹3,427.63 ↑ 0.45	₹10,621	5,000	0.5	1.4	2.9	6.6	7.3	5.98%	2M 5D	2M 5D
Canara Robeco Liquid Growth	₹3,225.65 ↑ 0.46	₹7,328	5,000	0.5	1.4	2.9	6.6	7.4	5.96%	1M 10D	1M 12D
UTI Liquid Cash Plan Growth	₹4,396.52 ↑ 0.53	₹28,885	500	0.5	1.4	2.9	6.6	7.3	6.01%	1M 12D	1M 12D
Tata Liquid Fund Growth	₹4,220.67 ↑ 0.53	₹22,366	5,000	0.5	1.4	2.9	6.6	7.3	6.09%	2M 2D	2M 2D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 15 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Axis Liquid Fund	Edelweiss Liquid Fund	Canara Robeco Liquid	UTI Liquid Cash Plan	Tata Liquid Fund
Point 1	Highest AUM (₹35,360 Cr).	Bottom quartile AUM (₹10,621 Cr).	Bottom quartile AUM (₹7,328 Cr).	Upper mid AUM (₹28,885 Cr).	Lower mid AUM (₹22,366 Cr).
Point 2	Established history (16+ yrs).	Established history (18+ yrs).	Established history (17+ yrs).	Oldest track record among peers (22 yrs).	Established history (21+ yrs).
Point 3	Top rated.	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 6.59% (top quartile).	1Y return: 6.58% (upper mid).	1Y return: 6.57% (lower mid).	1Y return: 6.55% (bottom quartile).	1Y return: 6.55% (bottom quartile).
Point 6	1M return: 0.46% (upper mid).	1M return: 0.46% (top quartile).	1M return: 0.46% (bottom quartile).	1M return: 0.46% (lower mid).	1M return: 0.45% (bottom quartile).
Point 7	Sharpe: 3.13 (upper mid).	Sharpe: 3.25 (top quartile).	Sharpe: 2.82 (bottom quartile).	Sharpe: 2.78 (bottom quartile).	Sharpe: 2.83 (lower mid).
Point 8	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.26 (top quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.00% (lower mid).	Yield to maturity (debt): 5.98% (bottom quartile).	Yield to maturity (debt): 5.96% (bottom quartile).	Yield to maturity (debt): 6.01% (upper mid).	Yield to maturity (debt): 6.09% (top quartile).
Point 10	Modified duration: 0.10 yrs (top quartile).	Modified duration: 0.18 yrs (bottom quartile).	Modified duration: 0.11 yrs (upper mid).	Modified duration: 0.12 yrs (lower mid).	Modified duration: 0.17 yrs (bottom quartile).

Axis Liquid Fund

Highest AUM (₹35,360 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.59% (top quartile).
1M return: 0.46% (upper mid).
Sharpe: 3.13 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.00% (lower mid).
Modified duration: 0.10 yrs (top quartile).

Edelweiss Liquid Fund

Bottom quartile AUM (₹10,621 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.58% (upper mid).
1M return: 0.46% (top quartile).
Sharpe: 3.25 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 5.98% (bottom quartile).
Modified duration: 0.18 yrs (bottom quartile).

Canara Robeco Liquid

Bottom quartile AUM (₹7,328 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.57% (lower mid).
1M return: 0.46% (bottom quartile).
Sharpe: 2.82 (bottom quartile).
Information ratio: 0.26 (top quartile).
Yield to maturity (debt): 5.96% (bottom quartile).
Modified duration: 0.11 yrs (upper mid).

UTI Liquid Cash Plan

Upper mid AUM (₹28,885 Cr).
Oldest track record among peers (22 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.55% (bottom quartile).
1M return: 0.46% (lower mid).
Sharpe: 2.78 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.01% (upper mid).
Modified duration: 0.12 yrs (lower mid).

Tata Liquid Fund

Lower mid AUM (₹22,366 Cr).
Established history (21+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.55% (bottom quartile).
1M return: 0.45% (bottom quartile).
Sharpe: 2.83 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.09% (top quartile).
Modified duration: 0.17 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	₹104.473 ↑ 0.24	₹9,146	5,000	1.2	1.3	6.7	7.7	8.2	7.13%	6Y 1M 28D	17Y 5M 1D
Axis Gilt Fund Growth	₹25.6991 ↑ 0.05	₹576	5,000	0.7	0.5	4.5	7.2	10	6.77%	7Y 3M 25D	18Y 6M 4D
DSP Government Securities Fund Growth	₹95.737 ↑ 0.40	₹1,342	1,000	0.2	0.2	3.3	6.9	10.1	7.07%	10Y 10M 20D	28Y 6M 25D
Bandhan Government Securities Fund - Investment Plan Growth	₹35.3197 ↑ 0.00	₹2,343	5,000	1	0.8	3.1	6.9	10.6	6.67%	5Y 6M 14D	7Y 3M 7D
SBI Magnum Gilt Fund Growth	₹66.1991 ↑ 0.07	₹11,055	5,000	0.5	0.4	4	6.9	8.9	6.93%	8Y 5M 12D	16Y 4M 17D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 15 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Gilt Fund	Axis Gilt Fund	DSP Government Securities Fund	Bandhan Government Securities Fund - Investment Plan	SBI Magnum Gilt Fund
Point 1	Upper mid AUM (₹9,146 Cr).	Bottom quartile AUM (₹576 Cr).	Bottom quartile AUM (₹1,342 Cr).	Lower mid AUM (₹2,343 Cr).	Highest AUM (₹11,055 Cr).
Point 2	Oldest track record among peers (26 yrs).	Established history (13+ yrs).	Established history (26+ yrs).	Established history (17+ yrs).	Established history (24+ yrs).
Point 3	Top rated.	Rating: 1★ (bottom quartile).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 6.68% (top quartile).	1Y return: 4.51% (upper mid).	1Y return: 3.30% (bottom quartile).	1Y return: 3.06% (bottom quartile).	1Y return: 4.02% (lower mid).
Point 6	1M return: 0.48% (top quartile).	1M return: 0.07% (lower mid).	1M return: 0.27% (upper mid).	1M return: -0.03% (bottom quartile).	1M return: -0.24% (bottom quartile).
Point 7	Sharpe: 0.35 (top quartile).	Sharpe: -0.11 (upper mid).	Sharpe: -0.30 (bottom quartile).	Sharpe: -0.44 (bottom quartile).	Sharpe: -0.19 (lower mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.13% (top quartile).	Yield to maturity (debt): 6.77% (bottom quartile).	Yield to maturity (debt): 7.07% (upper mid).	Yield to maturity (debt): 6.67% (bottom quartile).	Yield to maturity (debt): 6.93% (lower mid).
Point 10	Modified duration: 6.16 yrs (upper mid).	Modified duration: 7.32 yrs (lower mid).	Modified duration: 10.89 yrs (bottom quartile).	Modified duration: 5.54 yrs (top quartile).	Modified duration: 8.45 yrs (bottom quartile).

ICICI Prudential Gilt Fund

Upper mid AUM (₹9,146 Cr).
Oldest track record among peers (26 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 6.68% (top quartile).
1M return: 0.48% (top quartile).
Sharpe: 0.35 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.13% (top quartile).
Modified duration: 6.16 yrs (upper mid).

Axis Gilt Fund

Bottom quartile AUM (₹576 Cr).
Established history (13+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 4.51% (upper mid).
1M return: 0.07% (lower mid).
Sharpe: -0.11 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.77% (bottom quartile).
Modified duration: 7.32 yrs (lower mid).

DSP Government Securities Fund

Bottom quartile AUM (₹1,342 Cr).
Established history (26+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 3.30% (bottom quartile).
1M return: 0.27% (upper mid).
Sharpe: -0.30 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.07% (upper mid).
Modified duration: 10.89 yrs (bottom quartile).

Bandhan Government Securities Fund - Investment Plan

Lower mid AUM (₹2,343 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 3.06% (bottom quartile).
1M return: -0.03% (bottom quartile).
Sharpe: -0.44 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.67% (bottom quartile).
Modified duration: 5.54 yrs (top quartile).

SBI Magnum Gilt Fund

Highest AUM (₹11,055 Cr).
Established history (24+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 4.02% (lower mid).
1M return: -0.24% (bottom quartile).
Sharpe: -0.19 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.93% (lower mid).
Modified duration: 8.45 yrs (bottom 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
ICICI Prudential Corporate Bond Fund Growth	₹30.7151 ↓ 0.00	₹34,630	5,000	1.7	2.9	7.9	7.8	8	6.95%	3Y 1M 6D	5Y 8M 1D
BNP Paribas Corporate Bond Fund Growth	₹28.2651 ↓ -0.02	₹436	5,000	1.4	2.6	8.2	7.8	8.3	6.81%	3Y 5M 26D	4Y 9M 11D
Nippon India Prime Debt Fund Growth	₹61.5614 ↓ -0.02	₹10,732	1,000	1.4	2.4	7.6	7.8	8.4	6.98%	3Y 9M	5Y 29D
Aditya Birla Sun Life Corporate Bond Fund Growth	₹115.575 ↓ -0.06	₹30,132	1,000	1.4	2.3	7.1	7.7	8.5	7.13%	4Y 10M 13D	7Y 7M 2D
Franklin India Corporate Debt Fund Growth	₹102.404 ↓ -0.01	₹1,290	10,000	1.5	2.8	8.8	7.7	7.6	6.92%	2Y 29D	4Y 2M 5D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 15 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Corporate Bond Fund	BNP Paribas Corporate Bond Fund	Nippon India Prime Debt Fund	Aditya Birla Sun Life Corporate Bond Fund	Franklin India Corporate Debt Fund
Point 1	Highest AUM (₹34,630 Cr).	Bottom quartile AUM (₹436 Cr).	Lower mid AUM (₹10,732 Cr).	Upper mid AUM (₹30,132 Cr).	Bottom quartile AUM (₹1,290 Cr).
Point 2	Established history (16+ yrs).	Established history (17+ yrs).	Established history (25+ yrs).	Oldest track record among peers (28 yrs).	Established history (28+ yrs).
Point 3	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).	Rating: 4★ (lower mid).	Top rated.	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.
Point 5	1Y return: 7.93% (lower mid).	1Y return: 8.15% (upper mid).	1Y return: 7.65% (bottom quartile).	1Y return: 7.15% (bottom quartile).	1Y return: 8.79% (top quartile).
Point 6	1M return: 0.24% (top quartile).	1M return: 0.05% (lower mid).	1M return: 0.03% (bottom quartile).	1M return: -0.01% (bottom quartile).	1M return: 0.20% (upper mid).
Point 7	Sharpe: 1.56 (top quartile).	Sharpe: 1.30 (upper mid).	Sharpe: 1.11 (bottom quartile).	Sharpe: 0.79 (bottom quartile).	Sharpe: 1.28 (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): 6.95% (lower mid).	Yield to maturity (debt): 6.81% (bottom quartile).	Yield to maturity (debt): 6.98% (upper mid).	Yield to maturity (debt): 7.13% (top quartile).	Yield to maturity (debt): 6.92% (bottom quartile).
Point 10	Modified duration: 3.10 yrs (upper mid).	Modified duration: 3.49 yrs (lower mid).	Modified duration: 3.75 yrs (bottom quartile).	Modified duration: 4.87 yrs (bottom quartile).	Modified duration: 2.08 yrs (top quartile).

ICICI Prudential Corporate Bond Fund

Highest AUM (₹34,630 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.93% (lower mid).
1M return: 0.24% (top quartile).
Sharpe: 1.56 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.95% (lower mid).
Modified duration: 3.10 yrs (upper mid).

BNP Paribas Corporate Bond Fund

Bottom quartile AUM (₹436 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.15% (upper mid).
1M return: 0.05% (lower mid).
Sharpe: 1.30 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 3.49 yrs (lower mid).

Nippon India Prime Debt Fund

Lower mid AUM (₹10,732 Cr).
Established history (25+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.65% (bottom quartile).
1M return: 0.03% (bottom quartile).
Sharpe: 1.11 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.98% (upper mid).
Modified duration: 3.75 yrs (bottom quartile).

Aditya Birla Sun Life Corporate Bond Fund

Upper mid AUM (₹30,132 Cr).
Oldest track record among peers (28 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.15% (bottom quartile).
1M return: -0.01% (bottom quartile).
Sharpe: 0.79 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.13% (top quartile).
Modified duration: 4.87 yrs (bottom quartile).

Franklin India Corporate Debt Fund

Bottom quartile AUM (₹1,290 Cr).
Established history (28+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.79% (top quartile).
1M return: 0.20% (upper mid).
Sharpe: 1.28 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.92% (bottom quartile).
Modified duration: 2.08 yrs (top quartile).

Top 5 Lump sum Credit Risk Mutual Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
DSP Credit Risk Fund Growth	₹50.6741 ↑ 0.02	₹208	1,000	1.2	2.2	21	14.6	7.8	7.1%	2Y 29D	2Y 10M 24D
Franklin India Credit Risk Fund Growth	₹25.3348 ↑ 0.04	₹104	5,000	2.9	5	7.5	11		0%
Aditya Birla Sun Life Credit Risk Fund Growth	₹23.2329 ↓ -0.01	₹1,073	1,000	2.1	4.4	13.4	10.7	11.9	7.74%	2Y 1M 13D	3Y 1M 13D
Invesco India Credit Risk Fund Growth	₹1,979.25 ↑ 0.84	₹153	5,000	1.5	2.5	9.2	9.3	7.3	6.79%	2Y 3M 22D	3Y 29D
ICICI Prudential Regular Savings Fund Growth	₹33.1079 ↓ -0.01	₹5,916	10,000	2.2	4.2	9.4	8.3	8.5	8.32%	2Y 3M	3Y 4M 13D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 15 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP Credit Risk Fund	Franklin India Credit Risk Fund	Aditya Birla Sun Life Credit Risk Fund	Invesco India Credit Risk Fund	ICICI Prudential Regular Savings Fund
Point 1	Lower mid AUM (₹208 Cr).	Bottom quartile AUM (₹104 Cr).	Upper mid AUM (₹1,073 Cr).	Bottom quartile AUM (₹153 Cr).	Highest AUM (₹5,916 Cr).
Point 2	Oldest track record among peers (22 yrs).	Established history (14+ yrs).	Established history (10+ yrs).	Established history (11+ yrs).	Established history (15+ yrs).
Point 3	Top rated.	Rating: 1★ (lower mid).	Not Rated.	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: 21.03% (top quartile).	1Y return: 7.45% (bottom quartile).	1Y return: 13.35% (upper mid).	1Y return: 9.20% (bottom quartile).	1Y return: 9.36% (lower mid).
Point 6	1M return: 0.24% (bottom quartile).	1M return: 0.91% (top quartile).	1M return: 0.32% (bottom quartile).	1M return: 0.36% (lower mid).	1M return: 0.59% (upper mid).
Point 7	Sharpe: 1.56 (lower mid).	Sharpe: 0.29 (bottom quartile).	Sharpe: 1.96 (upper mid).	Sharpe: 1.22 (bottom quartile).	Sharpe: 2.18 (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): 0.00% (bottom quartile).	Yield to maturity (debt): 7.74% (upper mid).	Yield to maturity (debt): 6.79% (bottom quartile).	Yield to maturity (debt): 8.32% (top quartile).
Point 10	Modified duration: 2.08 yrs (upper mid).	Modified duration: 0.00 yrs (top quartile).	Modified duration: 2.12 yrs (lower mid).	Modified duration: 2.31 yrs (bottom quartile).	Modified duration: 2.25 yrs (bottom quartile).

DSP Credit Risk Fund

Lower mid AUM (₹208 Cr).
Oldest track record among peers (22 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 21.03% (top quartile).
1M return: 0.24% (bottom quartile).
Sharpe: 1.56 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.10% (lower mid).
Modified duration: 2.08 yrs (upper mid).

Franklin India Credit Risk Fund

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

Aditya Birla Sun Life Credit Risk Fund

Upper mid AUM (₹1,073 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 13.35% (upper mid).
1M return: 0.32% (bottom quartile).
Sharpe: 1.96 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.74% (upper mid).
Modified duration: 2.12 yrs (lower mid).

Invesco India Credit Risk Fund

Bottom quartile AUM (₹153 Cr).
Established history (11+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 9.20% (bottom quartile).
1M return: 0.36% (lower mid).
Sharpe: 1.22 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.79% (bottom quartile).
Modified duration: 2.31 yrs (bottom quartile).

ICICI Prudential Regular Savings Fund

Highest AUM (₹5,916 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 9.36% (lower mid).
1M return: 0.59% (upper mid).
Sharpe: 2.18 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.32% (top quartile).
Modified duration: 2.25 yrs (bottom quartile).

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	₹79.161 ↑ 0.08	₹6,376	5,000	4.6	7.6	8.7	19.5	15.4	20.7
ICICI Prudential Multi-Asset Fund Growth	₹813.591 ↑ 4.37	₹71,900	5,000	5	7.8	14.9	19.2	21.9	16.1
ICICI Prudential Equity and Debt Fund Growth	₹410.49 ↑ 0.08	₹48,071	5,000	2.7	6.4	9.8	18.8	21.9	17.2
SBI Multi Asset Allocation Fund Growth	₹64.8012 ↓ -0.01	₹11,306	5,000	7	10.3	15.4	17.4	14.7	12.8
JM Equity Hybrid Fund Growth	₹119.871 ↑ 0.15	₹816	5,000	-1.6	0.2	-5.9	17.4	17.4	27
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 15 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Multi Asset Fund	ICICI Prudential Multi-Asset Fund	ICICI Prudential Equity and Debt Fund	SBI Multi Asset Allocation Fund	JM Equity Hybrid Fund
Point 1	Bottom quartile AUM (₹6,376 Cr).	Highest AUM (₹71,900 Cr).	Upper mid AUM (₹48,071 Cr).	Lower mid AUM (₹11,306 Cr).	Bottom quartile AUM (₹816 Cr).
Point 2	Established history (17+ yrs).	Established history (23+ yrs).	Established history (26+ yrs).	Established history (20+ yrs).	Oldest track record among peers (30 yrs).
Point 3	Rating: 1★ (bottom quartile).	Rating: 2★ (lower mid).	Top rated.	Rating: 4★ (upper mid).	Rating: 1★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderately High.
Point 5	5Y return: 15.35% (bottom quartile).	5Y return: 21.91% (top quartile).	5Y return: 21.89% (upper mid).	5Y return: 14.73% (bottom quartile).	5Y return: 17.40% (lower mid).
Point 6	3Y return: 19.50% (top quartile).	3Y return: 19.17% (upper mid).	3Y return: 18.85% (lower mid).	3Y return: 17.39% (bottom quartile).	3Y return: 17.39% (bottom quartile).
Point 7	1Y return: 8.74% (bottom quartile).	1Y return: 14.87% (upper mid).	1Y return: 9.84% (lower mid).	1Y return: 15.40% (top quartile).	1Y return: -5.90% (bottom quartile).
Point 8	1M return: 0.87% (lower mid).	1M return: 0.88% (upper mid).	1M return: 0.43% (bottom quartile).	1M return: 1.77% (top quartile).	1M return: -1.74% (bottom quartile).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 2.46 (top quartile).	Alpha: 0.00 (bottom quartile).	Alpha: -7.75 (bottom quartile).
Point 10	Sharpe: 0.24 (bottom quartile).	Sharpe: 0.86 (top quartile).	Sharpe: 0.36 (lower mid).	Sharpe: 0.70 (upper mid).	Sharpe: -0.53 (bottom quartile).

UTI Multi Asset Fund

Bottom quartile AUM (₹6,376 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.35% (bottom quartile).
3Y return: 19.50% (top quartile).
1Y return: 8.74% (bottom quartile).
1M return: 0.87% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.24 (bottom quartile).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹71,900 Cr).
Established history (23+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 21.91% (top quartile).
3Y return: 19.17% (upper mid).
1Y return: 14.87% (upper mid).
1M return: 0.88% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.86 (top quartile).

ICICI Prudential Equity and Debt Fund

Upper mid AUM (₹48,071 Cr).
Established history (26+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 21.89% (upper mid).
3Y return: 18.85% (lower mid).
1Y return: 9.84% (lower mid).
1M return: 0.43% (bottom quartile).
Alpha: 2.46 (top quartile).
Sharpe: 0.36 (lower mid).

SBI Multi Asset Allocation Fund

Lower mid AUM (₹11,306 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
5Y return: 14.73% (bottom quartile).
3Y return: 17.39% (bottom quartile).
1Y return: 15.40% (top quartile).
1M return: 1.77% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.70 (upper mid).

JM Equity Hybrid Fund

Bottom quartile AUM (₹816 Cr).
Oldest track record among peers (30 yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.40% (lower mid).
3Y return: 17.39% (bottom quartile).
1Y return: -5.90% (bottom quartile).
1M return: -1.74% (bottom quartile).
Alpha: -7.75 (bottom quartile).
Sharpe: -0.53 (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	₹410.49 ↑ 0.08	₹48,071	5,000	2.7	6.4	9.8	18.8	21.9	17.2
JM Equity Hybrid Fund Growth	₹119.871 ↑ 0.15	₹816	5,000	-1.6	0.2	-5.9	17.4	17.4	27
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹37.63 ↑ 0.05	₹1,326	5,000	-1.3	-1.9	-6.3	16.7	19.7	25.8
UTI Hybrid Equity Fund Growth	₹416.502 ↓ -0.28	₹6,596	1,000	3.3	4	2.6	16.1	17.3	19.7
Sundaram Equity Hybrid Fund Growth	₹135.137 ↑ 0.78	₹1,954	5,000	0.5	10.5	27.1	16	14.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 15 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Equity and Debt Fund	JM Equity Hybrid Fund	BOI AXA Mid and Small Cap Equity and Debt Fund	UTI Hybrid Equity Fund	Sundaram Equity Hybrid Fund
Point 1	Highest AUM (₹48,071 Cr).	Bottom quartile AUM (₹816 Cr).	Bottom quartile AUM (₹1,326 Cr).	Upper mid AUM (₹6,596 Cr).	Lower mid AUM (₹1,954 Cr).
Point 2	Established history (26+ yrs).	Oldest track record among peers (30 yrs).	Established history (9+ yrs).	Established history (30+ yrs).	Established history (25+ yrs).
Point 3	Top rated.	Rating: 1★ (bottom quartile).	Not Rated.	Rating: 3★ (upper mid).	Rating: 2★ (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: 21.89% (top quartile).	5Y return: 17.40% (lower mid).	5Y return: 19.70% (upper mid).	5Y return: 17.32% (bottom quartile).	5Y return: 14.20% (bottom quartile).
Point 6	3Y return: 18.85% (top quartile).	3Y return: 17.39% (upper mid).	3Y return: 16.73% (lower mid).	3Y return: 16.06% (bottom quartile).	3Y return: 16.03% (bottom quartile).
Point 7	1Y return: 9.84% (upper mid).	1Y return: -5.90% (bottom quartile).	1Y return: -6.30% (bottom quartile).	1Y return: 2.64% (lower mid).	1Y return: 27.10% (top quartile).
Point 8	1M return: 0.43% (upper mid).	1M return: -1.74% (bottom quartile).	1M return: -1.54% (bottom quartile).	1M return: 0.40% (lower mid).	1M return: 1.80% (top quartile).
Point 9	Alpha: 2.46 (upper mid).	Alpha: -7.75 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: -2.84 (bottom quartile).	Alpha: 5.81 (top quartile).
Point 10	Sharpe: 0.36 (upper mid).	Sharpe: -0.53 (bottom quartile).	Sharpe: -0.19 (lower mid).	Sharpe: -0.20 (bottom quartile).	Sharpe: 2.64 (top quartile).

ICICI Prudential Equity and Debt Fund

Highest AUM (₹48,071 Cr).
Established history (26+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 21.89% (top quartile).
3Y return: 18.85% (top quartile).
1Y return: 9.84% (upper mid).
1M return: 0.43% (upper mid).
Alpha: 2.46 (upper mid).
Sharpe: 0.36 (upper mid).

JM Equity Hybrid Fund

Bottom quartile AUM (₹816 Cr).
Oldest track record among peers (30 yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.40% (lower mid).
3Y return: 17.39% (upper mid).
1Y return: -5.90% (bottom quartile).
1M return: -1.74% (bottom quartile).
Alpha: -7.75 (bottom quartile).
Sharpe: -0.53 (bottom quartile).

BOI AXA Mid and Small Cap Equity and Debt Fund

Bottom quartile AUM (₹1,326 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 19.70% (upper mid).
3Y return: 16.73% (lower mid).
1Y return: -6.30% (bottom quartile).
1M return: -1.54% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.19 (lower mid).

UTI Hybrid Equity Fund

Upper mid AUM (₹6,596 Cr).
Established history (30+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.32% (bottom quartile).
3Y return: 16.06% (bottom quartile).
1Y return: 2.64% (lower mid).
1M return: 0.40% (lower mid).
Alpha: -2.84 (bottom quartile).
Sharpe: -0.20 (bottom quartile).

Sundaram Equity Hybrid Fund

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

Top 5 Lump sum Conservative Hybrid Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
UTI Multi Asset Fund Growth	₹79.161 ↑ 0.08	₹6,376	5,000	4.6	7.6	8.7	19.5	15.4	20.7
ICICI Prudential Multi-Asset Fund Growth	₹813.591 ↑ 4.37	₹71,900	5,000	5	7.8	14.9	19.2	21.9	16.1
ICICI Prudential Equity and Debt Fund Growth	₹410.49 ↑ 0.08	₹48,071	5,000	2.7	6.4	9.8	18.8	21.9	17.2
SBI Multi Asset Allocation Fund Growth	₹64.8012 ↓ -0.01	₹11,306	5,000	7	10.3	15.4	17.4	14.7	12.8
JM Equity Hybrid Fund Growth	₹119.871 ↑ 0.15	₹816	5,000	-1.6	0.2	-5.9	17.4	17.4	27
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 15 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Multi Asset Fund	ICICI Prudential Multi-Asset Fund	ICICI Prudential Equity and Debt Fund	SBI Multi Asset Allocation Fund	JM Equity Hybrid Fund
Point 1	Bottom quartile AUM (₹6,376 Cr).	Highest AUM (₹71,900 Cr).	Upper mid AUM (₹48,071 Cr).	Lower mid AUM (₹11,306 Cr).	Bottom quartile AUM (₹816 Cr).
Point 2	Established history (17+ yrs).	Established history (23+ yrs).	Established history (26+ yrs).	Established history (20+ yrs).	Oldest track record among peers (30 yrs).
Point 3	Rating: 1★ (bottom quartile).	Rating: 2★ (lower mid).	Top rated.	Rating: 4★ (upper mid).	Rating: 1★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderately High.
Point 5	5Y return: 15.35% (bottom quartile).	5Y return: 21.91% (top quartile).	5Y return: 21.89% (upper mid).	5Y return: 14.73% (bottom quartile).	5Y return: 17.40% (lower mid).
Point 6	3Y return: 19.50% (top quartile).	3Y return: 19.17% (upper mid).	3Y return: 18.85% (lower mid).	3Y return: 17.39% (bottom quartile).	3Y return: 17.39% (bottom quartile).
Point 7	1Y return: 8.74% (bottom quartile).	1Y return: 14.87% (upper mid).	1Y return: 9.84% (lower mid).	1Y return: 15.40% (top quartile).	1Y return: -5.90% (bottom quartile).
Point 8	1M return: 0.87% (lower mid).	1M return: 0.88% (upper mid).	1M return: 0.43% (bottom quartile).	1M return: 1.77% (top quartile).	1M return: -1.74% (bottom quartile).
Point 9	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 2.46 (top quartile).	Alpha: 0.00 (bottom quartile).	Alpha: -7.75 (bottom quartile).
Point 10	Sharpe: 0.24 (bottom quartile).	Sharpe: 0.86 (top quartile).	Sharpe: 0.36 (lower mid).	Sharpe: 0.70 (upper mid).	Sharpe: -0.53 (bottom quartile).

UTI Multi Asset Fund

Bottom quartile AUM (₹6,376 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.35% (bottom quartile).
3Y return: 19.50% (top quartile).
1Y return: 8.74% (bottom quartile).
1M return: 0.87% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.24 (bottom quartile).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹71,900 Cr).
Established history (23+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 21.91% (top quartile).
3Y return: 19.17% (upper mid).
1Y return: 14.87% (upper mid).
1M return: 0.88% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.86 (top quartile).

ICICI Prudential Equity and Debt Fund

Upper mid AUM (₹48,071 Cr).
Established history (26+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 21.89% (upper mid).
3Y return: 18.85% (lower mid).
1Y return: 9.84% (lower mid).
1M return: 0.43% (bottom quartile).
Alpha: 2.46 (top quartile).
Sharpe: 0.36 (lower mid).

SBI Multi Asset Allocation Fund

Lower mid AUM (₹11,306 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
5Y return: 14.73% (bottom quartile).
3Y return: 17.39% (bottom quartile).
1Y return: 15.40% (top quartile).
1M return: 1.77% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.70 (upper mid).

JM Equity Hybrid Fund

Bottom quartile AUM (₹816 Cr).
Oldest track record among peers (30 yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.40% (lower mid).
3Y return: 17.39% (bottom quartile).
1Y return: -5.90% (bottom quartile).
1M return: -1.74% (bottom quartile).
Alpha: -7.75 (bottom quartile).
Sharpe: -0.53 (bottom quartile).

Top 5 Lump sum Arbitrage Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
UTI Arbitrage Fund Growth	₹35.9508 ↑ 0.01	₹10,106	5,000	1.5	2.8	6.6	7.1	5.8	7.7
SBI Arbitrage Opportunities Fund Growth	₹34.6815 ↑ 0.01	₹39,859	5,000	1.5	2.8	6.5	7.2	6	7.5
Invesco India Arbitrage Fund Growth	₹32.7292 ↑ 0.01	₹27,151	5,000	1.5	2.8	6.4	7.1	6	7.6
ICICI Prudential Equity Arbitrage Fund Growth	₹35.1783 ↑ 0.01	₹32,196	5,000	1.5	2.7	6.4	7.1	5.8	7.6
Aditya Birla Sun Life Arbitrage Fund Growth	₹27.2393 ↑ 0.01	₹24,256	1,000	1.5	2.7	6.4	7	5.8	7.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 15 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Arbitrage Fund	SBI Arbitrage Opportunities Fund	Invesco India Arbitrage Fund	ICICI Prudential Equity Arbitrage Fund	Aditya Birla Sun Life Arbitrage Fund
Point 1	Bottom quartile AUM (₹10,106 Cr).	Highest AUM (₹39,859 Cr).	Lower mid AUM (₹27,151 Cr).	Upper mid AUM (₹32,196 Cr).	Bottom quartile AUM (₹24,256 Cr).
Point 2	Oldest track record among peers (19 yrs).	Established history (19+ yrs).	Established history (18+ yrs).	Established history (18+ yrs).	Established history (16+ yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Top rated.	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	5Y return: 5.83% (lower mid).	5Y return: 5.98% (top quartile).	5Y return: 5.96% (upper mid).	5Y return: 5.81% (bottom quartile).	5Y return: 5.77% (bottom quartile).
Point 6	3Y return: 7.14% (upper mid).	3Y return: 7.18% (top quartile).	3Y return: 7.13% (lower mid).	3Y return: 7.06% (bottom quartile).	3Y return: 7.03% (bottom quartile).
Point 7	1Y return: 6.55% (top quartile).	1Y return: 6.53% (upper mid).	1Y return: 6.45% (lower mid).	1Y return: 6.44% (bottom quartile).	1Y return: 6.43% (bottom quartile).
Point 8	1M return: 0.46% (upper mid).	1M return: 0.46% (lower mid).	1M return: 0.47% (top quartile).	1M return: 0.45% (bottom quartile).	1M return: 0.46% (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: 0.85 (top quartile).	Sharpe: 0.79 (upper mid).	Sharpe: 0.55 (bottom quartile).	Sharpe: 0.55 (lower mid).	Sharpe: 0.41 (bottom quartile).

UTI Arbitrage Fund

Bottom quartile AUM (₹10,106 Cr).
Oldest track record among peers (19 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
5Y return: 5.83% (lower mid).
3Y return: 7.14% (upper mid).
1Y return: 6.55% (top quartile).
1M return: 0.46% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 0.85 (top quartile).

SBI Arbitrage Opportunities Fund

Highest AUM (₹39,859 Cr).
Established history (19+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
5Y return: 5.98% (top quartile).
3Y return: 7.18% (top quartile).
1Y return: 6.53% (upper mid).
1M return: 0.46% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.79 (upper mid).

Invesco India Arbitrage Fund

Lower mid AUM (₹27,151 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
5Y return: 5.96% (upper mid).
3Y return: 7.13% (lower mid).
1Y return: 6.45% (lower mid).
1M return: 0.47% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.55 (bottom quartile).

ICICI Prudential Equity Arbitrage Fund

Upper mid AUM (₹32,196 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 5.81% (bottom quartile).
3Y return: 7.06% (bottom quartile).
1Y return: 6.44% (bottom quartile).
1M return: 0.45% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.55 (lower mid).

Aditya Birla Sun Life Arbitrage Fund

Bottom quartile AUM (₹24,256 Cr).
Established history (16+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
5Y return: 5.77% (bottom quartile).
3Y return: 7.03% (bottom quartile).
1Y return: 6.43% (bottom quartile).
1M return: 0.46% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.41 (bottom quartile).

Top 5 Lump sum Dynamic Allocation Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Axis Dynamic Equity Fund Growth	₹21.56	₹3,721	5,000	2.6	3.9	4.1	13.9	11.9	17.5
ICICI Prudential Balanced Advantage Fund Growth	₹77.43 ↓ -0.01	₹68,450	5,000	2.8	5.9	10.2	13.4	12.9	12.3
Aditya Birla Sun Life Balanced Advantage Fund Growth	₹109.61 ↓ -0.05	₹8,617	1,000	2.4	4.1	7.8	12.6	11.6	13
Invesco India Dynamic Equity Fund Growth	₹54.77 ↑ 0.02	₹1,091	5,000	1.4	3.2	0.8	12.3	11.3	15.9
DSP Dynamic Asset Allocation Fund Growth	₹28.435 ↓ -0.03	₹3,636	1,000	2.6	3.9	6.8	12.2	9.5	12.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 15 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Axis Dynamic Equity Fund	ICICI Prudential Balanced Advantage Fund	Aditya Birla Sun Life Balanced Advantage Fund	Invesco India Dynamic Equity Fund	DSP Dynamic Asset Allocation Fund
Point 1	Lower mid AUM (₹3,721 Cr).	Highest AUM (₹68,450 Cr).	Upper mid AUM (₹8,617 Cr).	Bottom quartile AUM (₹1,091 Cr).	Bottom quartile AUM (₹3,636 Cr).
Point 2	Established history (8+ yrs).	Established history (18+ yrs).	Oldest track record among peers (25 yrs).	Established history (18+ yrs).	Established history (11+ yrs).
Point 3	Not Rated.	Top rated.	Rating: 3★ (upper mid).	Rating: 2★ (lower mid).	Rating: 1★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.
Point 5	5Y return: 11.88% (upper mid).	5Y return: 12.93% (top quartile).	5Y return: 11.56% (lower mid).	5Y return: 11.26% (bottom quartile).	5Y return: 9.52% (bottom quartile).
Point 6	3Y return: 13.93% (top quartile).	3Y return: 13.38% (upper mid).	3Y return: 12.61% (lower mid).	3Y return: 12.29% (bottom quartile).	3Y return: 12.23% (bottom quartile).
Point 7	1Y return: 4.10% (bottom quartile).	1Y return: 10.16% (top quartile).	1Y return: 7.77% (upper mid).	1Y return: 0.75% (bottom quartile).	1Y return: 6.76% (lower mid).
Point 8	1M return: -0.05% (bottom quartile).	1M return: 1.06% (top quartile).	1M return: 0.87% (upper mid).	1M return: -0.16% (bottom quartile).	1M return: 0.31% (lower mid).
Point 9	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: -0.02 (bottom quartile).	Sharpe: 0.55 (top quartile).	Sharpe: 0.22 (upper mid).	Sharpe: -0.14 (bottom quartile).	Sharpe: 0.09 (lower mid).

Axis Dynamic Equity Fund

Lower mid AUM (₹3,721 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.88% (upper mid).
3Y return: 13.93% (top quartile).
1Y return: 4.10% (bottom quartile).
1M return: -0.05% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: -0.02 (bottom quartile).

ICICI Prudential Balanced Advantage Fund

Highest AUM (₹68,450 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 12.93% (top quartile).
3Y return: 13.38% (upper mid).
1Y return: 10.16% (top quartile).
1M return: 1.06% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.55 (top quartile).

Aditya Birla Sun Life Balanced Advantage Fund

Upper mid AUM (₹8,617 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 11.56% (lower mid).
3Y return: 12.61% (lower mid).
1Y return: 7.77% (upper mid).
1M return: 0.87% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.22 (upper mid).

Invesco India Dynamic Equity Fund

Bottom quartile AUM (₹1,091 Cr).
Established history (18+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 11.26% (bottom quartile).
3Y return: 12.29% (bottom quartile).
1Y return: 0.75% (bottom quartile).
1M return: -0.16% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.14 (bottom quartile).

DSP Dynamic Asset Allocation Fund

Bottom quartile AUM (₹3,636 Cr).
Established history (11+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
5Y return: 9.52% (bottom quartile).
3Y return: 12.23% (bottom quartile).
1Y return: 6.76% (lower mid).
1M return: 0.31% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.09 (lower mid).

Top 5 Lump sum Multi Asset Allocation Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
UTI Multi Asset Fund Growth	₹79.161 ↑ 0.08	₹6,376	5,000	4.6	7.6	8.7	19.5	15.4	20.7
ICICI Prudential Multi-Asset Fund Growth	₹813.591 ↑ 4.37	₹71,900	5,000	5	7.8	14.9	19.2	21.9	16.1
SBI Multi Asset Allocation Fund Growth	₹64.8012 ↓ -0.01	₹11,306	5,000	7	10.3	15.4	17.4	14.7	12.8
Edelweiss Multi Asset Allocation Fund Growth	₹64.61 ↑ 0.08	₹3,317	5,000	1.1	3.2	3.8	16.1	16.8	20.2
HDFC Multi-Asset Fund Growth	₹75.498 ↑ 0.05	₹5,149	5,000	3.8	6.6	10.9	14.5	13.8	13.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 15 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Multi Asset Fund	ICICI Prudential Multi-Asset Fund	SBI Multi Asset Allocation Fund	Edelweiss Multi Asset Allocation Fund	HDFC Multi-Asset Fund
Point 1	Lower mid AUM (₹6,376 Cr).	Highest AUM (₹71,900 Cr).	Upper mid AUM (₹11,306 Cr).	Bottom quartile AUM (₹3,317 Cr).	Bottom quartile AUM (₹5,149 Cr).
Point 2	Established history (17+ yrs).	Oldest track record among peers (23 yrs).	Established history (20+ yrs).	Established history (16+ yrs).	Established history (20+ yrs).
Point 3	Rating: 1★ (bottom quartile).	Rating: 2★ (lower mid).	Top rated.	Rating: 1★ (bottom quartile).	Rating: 3★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderately High.	Risk profile: Moderate.
Point 5	5Y return: 15.35% (lower mid).	5Y return: 21.91% (top quartile).	5Y return: 14.73% (bottom quartile).	5Y return: 16.83% (upper mid).	5Y return: 13.84% (bottom quartile).
Point 6	3Y return: 19.50% (top quartile).	3Y return: 19.17% (upper mid).	3Y return: 17.39% (lower mid).	3Y return: 16.06% (bottom quartile).	3Y return: 14.47% (bottom quartile).
Point 7	1Y return: 8.74% (bottom quartile).	1Y return: 14.87% (upper mid).	1Y return: 15.40% (top quartile).	1Y return: 3.82% (bottom quartile).	1Y return: 10.91% (lower mid).
Point 8	1M return: 0.87% (lower mid).	1M return: 0.88% (upper mid).	1M return: 1.77% (top quartile).	1M return: -0.65% (bottom quartile).	1M return: 0.66% (bottom quartile).
Point 9	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: -0.11 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.24 (bottom quartile).	Sharpe: 0.86 (top quartile).	Sharpe: 0.70 (upper mid).	Sharpe: 0.08 (bottom quartile).	Sharpe: 0.55 (lower mid).

UTI Multi Asset Fund

Lower mid AUM (₹6,376 Cr).
Established history (17+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.35% (lower mid).
3Y return: 19.50% (top quartile).
1Y return: 8.74% (bottom quartile).
1M return: 0.87% (lower mid).
Alpha: 0.00 (top quartile).
Sharpe: 0.24 (bottom quartile).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹71,900 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 21.91% (top quartile).
3Y return: 19.17% (upper mid).
1Y return: 14.87% (upper mid).
1M return: 0.88% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.86 (top quartile).

SBI Multi Asset Allocation Fund

Upper mid AUM (₹11,306 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 14.73% (bottom quartile).
3Y return: 17.39% (lower mid).
1Y return: 15.40% (top quartile).
1M return: 1.77% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.70 (upper mid).

Edelweiss Multi Asset Allocation Fund

Bottom quartile AUM (₹3,317 Cr).
Established history (16+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.83% (upper mid).
3Y return: 16.06% (bottom quartile).
1Y return: 3.82% (bottom quartile).
1M return: -0.65% (bottom quartile).
Alpha: -0.11 (bottom quartile).
Sharpe: 0.08 (bottom quartile).

HDFC Multi-Asset Fund

Bottom quartile AUM (₹5,149 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
5Y return: 13.84% (bottom quartile).
3Y return: 14.47% (bottom quartile).
1Y return: 10.91% (lower mid).
1M return: 0.66% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.55 (lower mid).

Top 5 Lump sum Equity Savings Funds

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Kotak Equity Savings Fund Growth	₹27.0941 ↓ -0.04	₹9,023	5,000	2.2	5.2	5.7	11.4	10.7	11.7
Edelweiss Equity Savings Fund Growth	₹26.0368 ↑ 0.02	₹1,028	5,000	1.7	5	8	11	10	13.4
SBI Equity Savings Fund Growth	₹24.3625 ↓ -0.04	₹5,993	1,000	1.2	2.3	3.9	11	10.1	12
Axis Equity Saver Fund Growth	₹22.73 ↑ 0.05	₹924	5,000	1.9	3.7	4.1	10	9	11.1
HDFC Equity Savings Fund Growth	₹67.679 ↓ -0.06	₹5,823	5,000	2	3.5	5.3	9.9	10.9	10.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 15 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Kotak Equity Savings Fund	Edelweiss Equity Savings Fund	SBI Equity Savings Fund	Axis Equity Saver Fund	HDFC Equity Savings Fund
Point 1	Highest AUM (₹9,023 Cr).	Bottom quartile AUM (₹1,028 Cr).	Upper mid AUM (₹5,993 Cr).	Bottom quartile AUM (₹924 Cr).	Lower mid AUM (₹5,823 Cr).
Point 2	Established history (11+ yrs).	Established history (11+ yrs).	Established history (10+ yrs).	Established history (10+ yrs).	Oldest track record among peers (21 yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Top rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 10.72% (upper mid).	5Y return: 10.00% (bottom quartile).	5Y return: 10.11% (lower mid).	5Y return: 8.97% (bottom quartile).	5Y return: 10.89% (top quartile).
Point 6	3Y return: 11.37% (top quartile).	3Y return: 11.04% (upper mid).	3Y return: 10.96% (lower mid).	3Y return: 9.95% (bottom quartile).	3Y return: 9.95% (bottom quartile).
Point 7	1Y return: 5.68% (upper mid).	1Y return: 8.03% (top quartile).	1Y return: 3.90% (bottom quartile).	1Y return: 4.12% (bottom quartile).	1Y return: 5.29% (lower mid).
Point 8	1M return: 0.14% (bottom quartile).	1M return: 0.23% (upper mid).	1M return: -0.32% (bottom quartile).	1M return: 0.18% (lower mid).	1M return: 0.32% (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: 0.26 (upper mid).	Sharpe: 0.67 (top quartile).	Sharpe: -0.11 (lower mid).	Sharpe: -0.18 (bottom quartile).	Sharpe: -0.14 (bottom quartile).

Kotak Equity Savings Fund

Highest AUM (₹9,023 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 10.72% (upper mid).
3Y return: 11.37% (top quartile).
1Y return: 5.68% (upper mid).
1M return: 0.14% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.26 (upper mid).

Edelweiss Equity Savings Fund

Bottom quartile AUM (₹1,028 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 10.00% (bottom quartile).
3Y return: 11.04% (upper mid).
1Y return: 8.03% (top quartile).
1M return: 0.23% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.67 (top quartile).

SBI Equity Savings Fund

Upper mid AUM (₹5,993 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 10.11% (lower mid).
3Y return: 10.96% (lower mid).
1Y return: 3.90% (bottom quartile).
1M return: -0.32% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.11 (lower mid).

Axis Equity Saver Fund

Bottom quartile AUM (₹924 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 8.97% (bottom quartile).
3Y return: 9.95% (bottom quartile).
1Y return: 4.12% (bottom quartile).
1M return: 0.18% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.18 (bottom quartile).

HDFC Equity Savings Fund

Lower mid AUM (₹5,823 Cr).
Oldest track record among peers (21 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 10.89% (top quartile).
3Y return: 9.95% (bottom quartile).
1Y return: 5.29% (lower mid).
1M return: 0.32% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.14 (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	₹51.666 ↓ -0.01	₹6,969	5,000	1.8	3.3	1.4	17.4	21	18
ICICI Prudential Child Care Plan (Gift) Growth	₹330.3 ↓ -0.53	₹1,412	5,000	-0.7	2.4	3.1	17	16.4	16.9
HDFC Retirement Savings Fund - Hybrid - Equity Plan Growth	₹39.398 ↓ -0.02	₹1,729	5,000	1.9	2.6	1.8	14.1	14.8	14
Tata Retirement Savings Fund - Progressive Growth	₹65.2701 ↓ -0.10	₹2,117	5,000	-0.2	-1	-4.2	14.8	13.5	21.7
Tata Retirement Savings Fund-Moderate Growth	₹64.7212 ↓ -0.08	₹2,180	5,000	0	0.2	-1.6	14	12.8	19.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 15 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	HDFC Retirement Savings Fund - Equity Plan	ICICI Prudential Child Care Plan (Gift)	HDFC Retirement Savings Fund - Hybrid - Equity Plan	Tata Retirement Savings Fund - Progressive	Tata Retirement Savings Fund-Moderate
Point 1	Highest AUM (₹6,969 Cr).	Bottom quartile AUM (₹1,412 Cr).	Bottom quartile AUM (₹1,729 Cr).	Lower mid AUM (₹2,117 Cr).	Upper mid AUM (₹2,180 Cr).
Point 2	Established history (9+ yrs).	Oldest track record among peers (24 yrs).	Established history (9+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).
Point 3	Not Rated.	Rating: 2★ (lower mid).	Not Rated.	Top rated.	Rating: 5★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 21.00% (top quartile).	5Y return: 16.44% (upper mid).	5Y return: 14.76% (lower mid).	5Y return: 13.46% (bottom quartile).	5Y return: 12.79% (bottom quartile).
Point 6	3Y return: 17.36% (top quartile).	3Y return: 16.99% (upper mid).	3Y return: 14.06% (bottom quartile).	3Y return: 14.84% (lower mid).	3Y return: 14.00% (bottom quartile).
Point 7	1Y return: 1.41% (lower mid).	1Y return: 3.09% (top quartile).	1Y return: 1.79% (upper mid).	1Y return: -4.19% (bottom quartile).	1Y return: -1.61% (bottom quartile).
Point 8	1M return: -0.42% (upper mid).	1M return: -0.80% (lower mid).	1M return: -0.09% (top quartile).	1M return: -1.08% (bottom quartile).	1M return: -0.98% (bottom quartile).
Point 9	Alpha: -2.16 (bottom quartile).	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: -4.72 (bottom quartile).	Alpha: 0.00 (lower mid).
Point 10	Sharpe: -0.16 (upper mid).	Sharpe: 0.15 (top quartile).	Sharpe: -0.25 (bottom quartile).	Sharpe: -0.26 (bottom quartile).	Sharpe: -0.20 (lower mid).

HDFC Retirement Savings Fund - Equity Plan

Highest AUM (₹6,969 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 21.00% (top quartile).
3Y return: 17.36% (top quartile).
1Y return: 1.41% (lower mid).
1M return: -0.42% (upper mid).
Alpha: -2.16 (bottom quartile).
Sharpe: -0.16 (upper mid).

ICICI Prudential Child Care Plan (Gift)

Bottom quartile AUM (₹1,412 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 16.44% (upper mid).
3Y return: 16.99% (upper mid).
1Y return: 3.09% (top quartile).
1M return: -0.80% (lower mid).
Alpha: 0.00 (top quartile).
Sharpe: 0.15 (top quartile).

HDFC Retirement Savings Fund - Hybrid - Equity Plan

Bottom quartile AUM (₹1,729 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 14.76% (lower mid).
3Y return: 14.06% (bottom quartile).
1Y return: 1.79% (upper mid).
1M return: -0.09% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.25 (bottom quartile).

Tata Retirement Savings Fund - Progressive

Lower mid AUM (₹2,117 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 13.46% (bottom quartile).
3Y return: 14.84% (lower mid).
1Y return: -4.19% (bottom quartile).
1M return: -1.08% (bottom quartile).
Alpha: -4.72 (bottom quartile).
Sharpe: -0.26 (bottom quartile).

Tata Retirement Savings Fund-Moderate

Upper mid AUM (₹2,180 Cr).
Established history (14+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 12.79% (bottom quartile).
3Y return: 14.00% (bottom quartile).
1Y return: -1.61% (bottom quartile).
1M return: -0.98% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.20 (lower mid).

Best Lump sum Mutual Fund on 1 Month Performance

1. DSP World Gold Fund

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

Research Highlights for DSP World Gold Fund

Lower mid AUM (₹1,498 Cr).
Oldest track record among peers (18 yrs).
Top rated.
Risk profile: High.
5Y return: 23.10% (top quartile).
3Y return: 49.40% (top quartile).
1Y return: 142.05% (top quartile).
Alpha: -4.16 (bottom quartile).
Sharpe: 1.83 (lower mid).
Information ratio: -1.04 (bottom quartile).
Top sector: Basic Materials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding BGF World Gold I2 (~75.3%).
Top-3 holdings concentration ~101.3%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (12 Dec 25)	₹52.9417 ↑ 1.46 (2.84 %)
Net Assets (Cr)	₹1,498 on 31 Oct 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	1.83
Information Ratio	-1.04
Alpha Ratio	-4.16
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹9,903
30 Nov 22	₹8,659
30 Nov 23	₹9,599
30 Nov 24	₹12,026
30 Nov 25	₹27,573

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623 Invest Now

Returns for DSP World Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Dec 25

Duration	Returns
1 Month	14.8%
3 Month	29.4%
6 Month	69.8%
1 Year	142.1%
3 Year	49.4%
5 Year	23.1%
10 Year
15 Year
Since launch	9.6%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for DSP World Gold Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	12.68 Yr.

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

Equity Sector Allocation

Sector	Value
Basic Materials	95.15%

Asset Allocation

Asset Class	Value
Cash	2.29%
Equity	95.15%
Debt	0.02%
Other	2.54%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	75%	₹1,127 Cr	1,347,933 ↓ -108,097
VanEck Gold Miners ETF - \| GDX	24%	₹367 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	2%	₹23 Cr
Net Receivables/Payables Net Current Assets \| -	1%	-₹20 Cr

2. DSP World Mining Fund

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

Research Highlights for DSP World Mining Fund

Bottom quartile AUM (₹169 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 17.06% (bottom quartile).
3Y return: 16.93% (bottom quartile).
1Y return: 61.71% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: 1.28 (bottom quartile).
Information ratio: 0.00 (top quartile).
Top sector: Basic Materials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding BGF World Mining I2 (~98.8%).
Top-3 holdings concentration ~100.4%.

Below is the key information for DSP World Mining Fund

DSP World Mining Fund Growth
Launch Date	29 Dec 09
NAV (12 Dec 25)	₹26.394 ↑ 0.79 (3.08 %)
Net Assets (Cr)	₹169 on 31 Oct 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.14
Sharpe Ratio	1.28
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹12,339
30 Nov 22	₹14,572
30 Nov 23	₹13,637
30 Nov 24	₹14,706
30 Nov 25	₹21,988

DSP World Mining Fund SIP Returns

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

Returns for DSP World Mining Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Dec 25

Duration	Returns
1 Month	11.6%
3 Month	24.9%
6 Month	53.5%
1 Year	61.7%
3 Year	16.9%
5 Year	17.1%
10 Year
15 Year
Since launch	6.3%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for DSP World Mining Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	12.68 Yr.

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

Equity Sector Allocation

Sector	Value
Basic Materials	96.18%
Energy	1.1%

Asset Allocation

Asset Class	Value
Cash	2.35%
Equity	97.28%
Debt	0.01%
Other	0.36%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Mining I2 Investment Fund \| -	99%	₹167 Cr	193,620 ↓ -1,404
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	1%	₹2 Cr
Net Receivables/Payables Net Current Assets \| -	0%	₹0 Cr

3. Kotak Gold Fund

The investment objective of the scheme is to generate returns by investing in units of Kotak Gold Exchange Traded Fund.

Research Highlights for Kotak Gold Fund

Highest AUM (₹4,540 Cr).
Established history (14+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 20.50% (lower mid).
3Y return: 33.54% (lower mid).
1Y return: 71.00% (upper mid).
1M return: 7.09% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 2.49 (top quartile).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding Kotak Gold ETF (~100.0%).
Top-3 holdings concentration ~100.4%.

Below is the key information for Kotak Gold Fund

Kotak Gold Fund Growth
Launch Date	25 Mar 11
NAV (15 Dec 25)	₹51.4268 ↑ 0.75 (1.48 %)
Net Assets (Cr)	₹4,540 on 31 Oct 25
Category	Gold - Gold
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆
Risk	Moderately High
Expense Ratio	0.5
Sharpe Ratio	2.49
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-6 Months (2%),6-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹9,788
30 Nov 22	₹10,506
30 Nov 23	₹12,325
30 Nov 24	₹14,831
30 Nov 25	₹23,984

Kotak Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 Invest Now

Returns for Kotak Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Dec 25

Duration	Returns
1 Month	7.1%
3 Month	22.2%
6 Month	33.4%
1 Year	71%
3 Year	33.5%
5 Year	20.5%
10 Year
15 Year
Since launch	11.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	18.9%
2023	13.9%
2022	11.7%
2021	-4.7%
2020	26.6%
2019	24.1%
2018	7.3%
2017	2.5%
2016	10.2%
2015	-8.4%

Fund Manager information for Kotak Gold Fund

Name	Since	Tenure
Abhishek Bisen	25 Mar 11	14.62 Yr.
Jeetu Sonar	1 Oct 22	3.09 Yr.

Data below for Kotak Gold Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	1.51%
Other	98.49%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Kotak Gold ETF - \| -	100%	₹4,540 Cr	450,546,713 ↑ 18,692,026
Net Current Assets/(Liabilities) Net Current Assets \| -	0%	-₹10 Cr
Triparty Repo CBLO/Reverse Repo \| -	0%	₹9 Cr

4. Axis Gold Fund

To generate returns that closely correspond to returns generated by Axis Gold ETF.

Research Highlights for Axis Gold Fund

Upper mid AUM (₹1,800 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 20.73% (upper mid).
3Y return: 33.67% (upper mid).
1Y return: 70.35% (lower mid).
1M return: 7.05% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 2.42 (upper mid).
Information ratio: 0.00 (lower mid).
Top bond sector: Cash Equivalent.
Largest holding Axis Gold ETF (~99.9%).
Top-3 holdings concentration ~100.8%.

Below is the key information for Axis Gold Fund

Axis Gold Fund Growth
Launch Date	20 Oct 11
NAV (15 Dec 25)	₹38.8502 ↑ 0.36 (0.93 %)
Net Assets (Cr)	₹1,800 on 31 Oct 25
Category	Gold - Gold
AMC	Axis Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.5
Sharpe Ratio	2.43
Information Ratio	0
Alpha Ratio	0
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
30 Nov 20	₹10,000
30 Nov 21	₹9,776
30 Nov 22	₹10,573
30 Nov 23	₹12,492
30 Nov 24	₹15,037
30 Nov 25	₹24,261

Axis Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 Invest Now

Returns for Axis Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Dec 25

Duration	Returns
1 Month	7.1%
3 Month	21.7%
6 Month	32.9%
1 Year	70.3%
3 Year	33.7%
5 Year	20.7%
10 Year
15 Year
Since launch	10.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	19.2%
2023	14.7%
2022	12.5%
2021	-4.7%
2020	26.9%
2019	23.1%
2018	8.3%
2017	0.7%
2016	10.7%
2015	-11.9%

Fund Manager information for Axis Gold Fund

Name	Since	Tenure
Aditya Pagaria	9 Nov 21	3.98 Yr.
Pratik Tibrewal	1 Feb 25	0.75 Yr.

Data below for Axis Gold Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	1.68%
Other	98.32%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Gold ETF - \| -	100%	₹1,798 Cr	178,172,322 ↑ 16,852,517
Clearing Corporation Of India Ltd CBLO/Reverse Repo \| -	0%	₹9 Cr
Net Receivables / (Payables) CBLO \| -	0%	-₹7 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.