Tণ মিউচুয়াল তহবিলের সেরা সরাসরি পরিকল্পনা ns

Updated on August 1, 2026 , 1560 views

মিউচুয়াল ফান্ড নিয়মিত এবং সরাসরি দুটি পরিকল্পনা দেয়। যদিও নিয়মিত পরিকল্পনাগুলি বহু বছর ধরে বিকল্পে ছিল, প্রথম প্রত্যক্ষ পরিকল্পনাটি ২০১৩ সালে প্রবর্তিত হয়েছিল। তবে, সরাসরি পরিকল্পনাগুলি তার অনন্য বৈশিষ্ট্য এবং সুবিধার কারণে নতুন বিনিয়োগকারীদের মধ্যে একটি বিশাল জনপ্রিয়তা অর্জন করছে। যদিও বর্তমানে প্রত্যক্ষ পরিকল্পনা কেবলমাত্র একটি সীমাবদ্ধ প্ল্যাটফর্মের মাধ্যমে পাওয়া যায় তবে এর চাহিদা দেখে অনেক চ্যানেল সরাসরি পরিকল্পনা প্রবর্তন করছে। যে বিনিয়োগকারীরা বিনিয়োগ করতে চানFundণ তহবিল প্রত্যক্ষ পরিকল্পনা বাছাই করে, এখানে প্রত্যক্ষ তহবিলগুলি কী কী তার এক ঝলক, directণ তহবিলের সংক্ষিপ্ত বোঝার পাশাপাশি কয়েকটি সেরা প্রত্যক্ষ প্যান debtণ তহবিল।

আপনার জন্য সরাসরি তহবিল কেন?

নিয়মিত তহবিলের বিপরীতে, সরাসরি তহবিল সীমিত চ্যানেলের মাধ্যমে যেমন মিউচুয়াল ফান্ড সংস্থা, কারভি /cams, তৃতীয় পক্ষের সিকিওরিটিজ মধ্যস্থতাকারী এবং ফান্ড হাউসের স্থানীয় প্রতিনিধিদের সীমাবদ্ধ। যে বিনিয়োগকারীরা কোনও পরামর্শদাতার বা মধ্যস্থতার সাহায্য ছাড়াই স্বতন্ত্রভাবে বিনিয়োগ এবং তাদের বিনিয়োগগুলি ট্র্যাক করতে পারেন তারা তহবিল থেকে সরাসরি পরিকল্পনায় বিনিয়োগ করতে পারেন।

প্রত্যক্ষ তহবিলগুলিতে নিয়মিত তহবিলের মতো কোনও ব্যয় চার্জ হয় না। যেমন নেইপরিবেশক চার্জ / লেনদেন চার্জার ইত্যাদি, সরাসরি পরিকল্পনার ব্যয় অনুপাত কম is ফেরতের ক্ষেত্রেও এই প্রভাব effect প্রত্যক্ষ মিউচুয়াল ফান্ডের ব্যয়ের অনুপাত কম হওয়ায়, নিয়মিত পরিকল্পনার তুলনায় আয় কিছুটা বেশি হতে পারে- প্রায় ০.০ শতাংশ থেকে দেড় শতাংশ বেশি। বিনিয়োগকারীরা সরাসরি তহবিল বেছে নিচ্ছেন এমন একটি কারণ এটি।

আদর্শভাবে, এবিনিয়োগকারীদের যার মিউচুয়াল ফান্ড বিনিয়োগের অভিজ্ঞতা রয়েছে এবং বাজারের চলাফেরার সম্পর্কে সুষ্ঠু জ্ঞান রয়েছে তাদের সরাসরি পরিকল্পনার জন্য পছন্দ করা উচিত। নতুন বিনিয়োগকারীরা যারা সম্পর্কে নিশ্চিত ননঝুকিপুন্ন ক্ষুধা এবং বাজারে আদর্শভাবে পছন্দ করা উচিতএকত্রিত পুঁজি নিয়মিত পরিকল্পনা সহ।

Fundণ তহবিল বিনিয়োগ বোঝা

Tণ তহবিল হ'ল এক ধরণের মিউচুয়াল ফান্ড যা মূলত স্থায়ী আয়ের সিকিওরিটিতে যেমন বিনিয়োগ করেডুরি, সরকারী সিকিওরিটিস, ট্রেজারি বিল ইত্যাদি weণ তহবিলের শ্রেণিবিন্যাসের দিকে নজর দিলে এগুলি পরিপক্ক হিসাবে সংক্ষিপ্ত, মধ্য এবং দীর্ঘমেয়াদী কাল হিসাবে শ্রেণিবদ্ধ করা হয়। এটি investorsণ তহবিলগুলিতে বিনিয়োগ করতে চায় এমন বিনিয়োগকারীদের জন্য একাধিক বিকল্প দেয়।

যারা বিনিয়োগের ক্ষেত্রে বেশি ঝুঁকি নিতে চান না বা যারা এড়াতে চান তাদের জন্য fundsণ তহবিলই ভাল বিকল্পবিনিয়োগ অত্যন্ত উদ্বায়ীইক্যুইটি তহবিল। এই তহবিলগুলি নিয়মিত এবং অবিচলিত আয় সরবরাহ করে, তবে ইক্যুইটি তহবিলের তুলনায় রিটার্ন কম হয় are

পরিপক্কতা অনুসারে Fundণ তহবিলের প্রকারগুলি

স্বল্প মেয়াদী Fundণ তহবিল- রাতারাতি তহবিল,তরল তহবিল, অতিস্বল্পমেয়াদী তহবিল, কম সময়কালীন তহবিল
মাঝারি মেয়াদী Fundণ তহবিল- স্বল্পকালীন তহবিল, মাঝারি সময়কালীন তহবিল, মাঝারি থেকে দীর্ঘকালীন তহবিল
দীর্ঘমেয়াদী debtণ তহবিল- দীর্ঘকালীন তহবিল
বন্ড ওরিয়েন্টেড তহবিল-গতিশীল বন্ড তহবিল, কর্পোরেট বন্ড তহবিল

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সেরা Debণ মিউচুয়াল তহবিল সরাসরি পরিকল্পনা

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
Edelweiss Liquid Fund - Direct Growth	₹3,647.47 ↑ 0.81	₹12,259	1.7	3.4	6.5	7	6.3	6.6
Franklin India Treasury Management Account - Regular Plan - Direct Growth	₹4,242.04 ↑ 0.89	₹2,915	1.7	3.4	6.5	7	6.3	6.7
UTI Liquid Cash Plan - Direct Growth	₹462.586 ↑ 0.10	₹27,632	1.7	3.4	6.4	7	6.3	6.6
Mahindra Liquid Fund - Direct Growth	₹1,837.5 ↑ 0.43	₹1,019	1.7	3.4	6.4	7	6.3	6.6
Edelweiss Bond Fund - Direct Growth	₹33.6262 ↑ 0.02	₹2,272	1.9	3.4	6.4	7.3	6.4	7.6
Franklin India Savings Plus Fund Retail Option - Direct Growth	₹55.6197 ↑ 0.04	₹3,920	1.9	3.3	6.4	7.4	6.6	7.6
UTI Money Market Fund - Direct Growth	₹3,348.58 ↑ 2.48	₹17,557	1.9	3.4	6.4	7.4	6.6	7.6
HDFC Floating Rate Income Fund - Short Term Plan - Direct Growth	₹54.6863 ↑ 0.05	₹16,452	2.2	3.5	6.3	7.8	6.9	8.1
UTI Treasury Advantage Fund - Direct Growth	₹3,860.47 ↑ 2.97	₹2,460	1.9	3.3	6.2	7.3	7.5	7.7
Franklin India Banking And PSU Debt Fund - Direct Growth	₹25.1565 ↑ 0.01	₹584	2	3.3	6.2	7.6	6.5	8.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Aug 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	Edelweiss Liquid Fund - Direct	Franklin India Treasury Management Account - Regular Plan - Direct	UTI Liquid Cash Plan - Direct	Mahindra Liquid Fund - Direct	Edelweiss Bond Fund - Direct	Franklin India Savings Plus Fund Retail Option - Direct	UTI Money Market Fund - Direct	HDFC Floating Rate Income Fund - Short Term Plan - Direct	UTI Treasury Advantage Fund - Direct	Franklin India Banking And PSU Debt Fund - Direct
Point 1	Upper mid AUM (₹12,259 Cr).	Lower mid AUM (₹2,915 Cr).	Highest AUM (₹27,632 Cr).	Bottom quartile AUM (₹1,019 Cr).	Bottom quartile AUM (₹2,272 Cr).	Upper mid AUM (₹3,920 Cr).	Top quartile AUM (₹17,557 Cr).	Upper mid AUM (₹16,452 Cr).	Lower mid AUM (₹2,460 Cr).	Bottom quartile AUM (₹584 Cr).
Point 2	Oldest track record among peers (13 yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (10+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (12+ yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.
Point 5	1Y return: 6.46% (top quartile).	1Y return: 6.45% (top quartile).	1Y return: 6.45% (upper mid).	1Y return: 6.42% (upper mid).	1Y return: 6.41% (upper mid).	1Y return: 6.40% (lower mid).	1Y return: 6.39% (lower mid).	1Y return: 6.26% (bottom quartile).	1Y return: 6.25% (bottom quartile).	1Y return: 6.22% (bottom quartile).
Point 6	1M return: 0.49% (upper mid).	1M return: 0.51% (top quartile).	1M return: 0.50% (top quartile).	1M return: 0.49% (upper mid).	1M return: 0.44% (lower mid).	1M return: 0.45% (upper mid).	1M return: 0.45% (lower mid).	1M return: 0.24% (bottom quartile).	1M return: 0.41% (bottom quartile).	1M return: 0.43% (bottom quartile).
Point 7	Sharpe: 2.64 (upper mid).	Sharpe: 2.74 (top quartile).	Sharpe: 2.73 (top quartile).	Sharpe: 2.67 (upper mid).	Sharpe: 0.97 (upper mid).	Sharpe: 0.95 (lower mid).	Sharpe: 0.92 (lower mid).	Sharpe: 0.63 (bottom quartile).	Sharpe: 0.72 (bottom quartile).	Sharpe: 0.48 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.51% (bottom quartile).	Yield to maturity (debt): 6.81% (bottom quartile).	Yield to maturity (debt): 6.62% (bottom quartile).	Yield to maturity (debt): 6.85% (lower mid).	Yield to maturity (debt): 7.68% (upper mid).	Yield to maturity (debt): 7.76% (top quartile).	Yield to maturity (debt): 7.58% (upper mid).	Yield to maturity (debt): 7.64% (upper mid).	Yield to maturity (debt): 7.77% (top quartile).	Yield to maturity (debt): 7.50% (lower mid).
Point 10	Modified duration: 0.10 yrs (top quartile).	Modified duration: 0.10 yrs (upper mid).	Modified duration: 0.10 yrs (top quartile).	Modified duration: 0.13 yrs (upper mid).	Modified duration: 0.58 yrs (lower mid).	Modified duration: 0.41 yrs (upper mid).	Modified duration: 0.56 yrs (lower mid).	Modified duration: 1.74 yrs (bottom quartile).	Modified duration: 0.69 yrs (bottom quartile).	Modified duration: 1.19 yrs (bottom quartile).

Edelweiss Liquid Fund - Direct

Upper mid AUM (₹12,259 Cr).
Oldest track record among peers (13 yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.46% (top quartile).
1M return: 0.49% (upper mid).
Sharpe: 2.64 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.51% (bottom quartile).
Modified duration: 0.10 yrs (top quartile).

Franklin India Treasury Management Account - Regular Plan - Direct

Lower mid AUM (₹2,915 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.45% (top quartile).
1M return: 0.51% (top quartile).
Sharpe: 2.74 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 0.10 yrs (upper mid).

UTI Liquid Cash Plan - Direct

Highest AUM (₹27,632 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.45% (upper mid).
1M return: 0.50% (top quartile).
Sharpe: 2.73 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.62% (bottom quartile).
Modified duration: 0.10 yrs (top quartile).

Mahindra Liquid Fund - Direct

Bottom quartile AUM (₹1,019 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.42% (upper mid).
1M return: 0.49% (upper mid).
Sharpe: 2.67 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.85% (lower mid).
Modified duration: 0.13 yrs (upper mid).

Edelweiss Bond Fund - Direct

Bottom quartile AUM (₹2,272 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 6.41% (upper mid).
1M return: 0.44% (lower mid).
Sharpe: 0.97 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.68% (upper mid).
Modified duration: 0.58 yrs (lower mid).

Franklin India Savings Plus Fund Retail Option - Direct

Upper mid AUM (₹3,920 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 6.40% (lower mid).
1M return: 0.45% (upper mid).
Sharpe: 0.95 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.76% (top quartile).
Modified duration: 0.41 yrs (upper mid).

UTI Money Market Fund - Direct

Top quartile AUM (₹17,557 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.39% (lower mid).
1M return: 0.45% (lower mid).
Sharpe: 0.92 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.58% (upper mid).
Modified duration: 0.56 yrs (lower mid).

HDFC Floating Rate Income Fund - Short Term Plan - Direct

Upper mid AUM (₹16,452 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 6.26% (bottom quartile).
1M return: 0.24% (bottom quartile).
Sharpe: 0.63 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.64% (upper mid).
Modified duration: 1.74 yrs (bottom quartile).

UTI Treasury Advantage Fund - Direct

Lower mid AUM (₹2,460 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 6.25% (bottom quartile).
1M return: 0.41% (bottom quartile).
Sharpe: 0.72 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.77% (top quartile).
Modified duration: 0.69 yrs (bottom quartile).

Franklin India Banking And PSU Debt Fund - Direct

Bottom quartile AUM (₹584 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 6.22% (bottom quartile).
1M return: 0.43% (bottom quartile).
Sharpe: 0.48 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.50% (lower mid).
Modified duration: 1.19 yrs (bottom quartile).

1. Edelweiss Liquid Fund - Direct

The investment objective of the Scheme is to provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through a portfolio of money market and debt securities. However, there can be no assurance that the investment objectives of the Scheme will be realized.

Research Highlights for Edelweiss Liquid Fund - Direct

Upper mid AUM (₹12,259 Cr).
Oldest track record among peers (13 yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.46% (top quartile).
1M return: 0.49% (upper mid).
Sharpe: 2.64 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.51% (bottom quartile).
Modified duration: 0.10 yrs (top quartile).
Average maturity: 0.10 yrs (top quartile).
Exit load: NIL.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd. (~6.6%).

Below is the key information for Edelweiss Liquid Fund - Direct

Edelweiss Liquid Fund - Direct Growth
Launch Date	1 Jan 13
NAV (03 Aug 26)	₹3,647.47 ↑ 0.81 (0.02 %)
Net Assets (Cr)	₹12,259 on 30 Jun 26
Category	Debt - Liquid Fund
AMC	Edelweiss Asset Management Limited
Rating	Not Rated
Risk	Low
Expense Ratio	0.08
Sharpe Ratio	2.64
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.51%
Effective Maturity	1 Month 6 Days
Modified Duration	1 Month 6 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,375
31 Jul 23	₹11,074
31 Jul 24	₹11,902
31 Jul 25	₹12,756
31 Jul 26	₹13,579

Edelweiss Liquid Fund - Direct SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Edelweiss Liquid Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Aug 26

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.4%
1 Year	6.5%
3 Year	7%
5 Year	6.3%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.6%
2024	7.5%
2023	7.1%
2022	4.9%
2021	3.5%
2020	4.4%
2019	6.8%
2018	7.5%
2017	6.7%
2016	6.9%

Fund Manager information for Edelweiss Liquid Fund - Direct

Name	Since	Tenure
Rahul Dedhia	11 Dec 17	8.64 Yr.
Hetul Raval	22 Sep 25	0.86 Yr.

Data below for Edelweiss Liquid Fund - Direct as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	99.78%
Other	0.22%

Debt Sector Allocation

Sector	Value
Cash Equivalent	81.91%
Government	11.51%
Corporate	6.37%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd. Debentures \| -	7%	₹940 Cr	95,000,000
Clearing Corporation Of India Ltd. CBLO/Reverse Repo \| -	5%	₹771 Cr
India (Republic of) - \| -	3%	₹498 Cr	50,000,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹450 Cr	45,000,000 ↑ 27,500,000
Reliance Retail Ventures Limited Commercial Paper \| -	3%	₹396 Cr	40,000,000
Bank of Baroda Debentures \| -	2%	₹348 Cr	35,000,000
Axis Bank Ltd. Debentures \| -	2%	₹348 Cr	35,000,000
India (Republic of) - \| -	2%	₹347 Cr	35,000,000
Indian Bank Domestic Bonds \| -	2%	₹298 Cr	30,000,000
ICICI Bank Ltd. Debentures \| -	2%	₹298 Cr	30,000,000

2. Franklin India Treasury Management Account - Regular Plan - Direct

Aims to provide current income with high liquidity.

Research Highlights for Franklin India Treasury Management Account - Regular Plan - Direct

Lower mid AUM (₹2,915 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.45% (top quartile).
1M return: 0.51% (top quartile).
Sharpe: 2.74 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 0.10 yrs (upper mid).
Average maturity: 0.11 yrs (upper mid).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding Call, Cash & Other Assets (~9.5%).

Below is the key information for Franklin India Treasury Management Account - Regular Plan - Direct

Franklin India Treasury Management Account - Regular Plan - Direct Growth
Launch Date	1 Jan 13
NAV (03 Aug 26)	₹4,242.04 ↑ 0.89 (0.02 %)
Net Assets (Cr)	₹2,915 on 30 Jun 26
Category	Debt - Liquid Fund
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	Not Rated
Risk	Low
Expense Ratio	0.12
Sharpe Ratio	2.74
Information Ratio	0
Alpha Ratio	0
Min Investment
Min SIP Investment
Exit Load	NIL
Yield to Maturity	6.81%
Effective Maturity	1 Month 10 Days
Modified Duration	1 Month 6 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,376
31 Jul 23	₹11,067
31 Jul 24	₹11,886
31 Jul 25	₹12,742
31 Jul 26	₹13,563

Franklin India Treasury Management Account - Regular Plan - Direct SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Purchase not allowed

Returns for Franklin India Treasury Management Account - Regular Plan - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Aug 26

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.4%
1 Year	6.5%
3 Year	7%
5 Year	6.3%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.7%
2024	7.5%
2023	7%
2022	4.9%
2021	3.3%
2020	4.4%
2019	6.9%
2018	7.5%
2017	6.8%
2016	7.7%

Fund Manager information for Franklin India Treasury Management Account - Regular Plan - Direct

Name	Since	Tenure
Pallab Roy	25 Jun 08	18.11 Yr.
Rohan Maru	10 Oct 24	1.81 Yr.

Data below for Franklin India Treasury Management Account - Regular Plan - Direct as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	95.99%
Debt	3.88%
Other	0.13%

Debt Sector Allocation

Sector	Value
Cash Equivalent	77.49%
Government	11.91%
Corporate	10.46%

Credit Quality

Rating	Value
AA	1.43%
AAA	98.57%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Call, Cash & Other Assets CBLO \| -	9%	₹573 Cr
India (Republic of) - \| -	8%	₹494 Cr	50,000,000 ↑ 50,000,000
HDFC Securities Limited Commercial Paper \| -	5%	₹287 Cr	5,800
Union Bank of India Debentures \| -	4%	₹248 Cr	5,000
Small Industries Development Bank Of India Debentures \| -	4%	₹234 Cr	22,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	4%	₹224 Cr	4,500 ↑ 3,500
Bank of Baroda Debentures \| -	4%	₹214 Cr	4,300
India (Republic of) - \| -	3%	₹200 Cr	20,000,000 ↑ 20,000,000
Small Industries Development Bank Of India Commercial Paper \| -	3%	₹198 Cr	4,000
Rec Limited Debentures \| -	3%	₹187 Cr	17,500 ↑ 7,500

3. UTI Liquid Cash Plan - Direct

The investment objective of the scheme is to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of money market securities and high quality debt.

Research Highlights for UTI Liquid Cash Plan - Direct

Highest AUM (₹27,632 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.45% (upper mid).
1M return: 0.50% (top quartile).
Sharpe: 2.73 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.62% (bottom quartile).
Modified duration: 0.10 yrs (top quartile).
Average maturity: 0.10 yrs (top quartile).
Exit load: NIL.
Higher exposure to Real Estate vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~98%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~7.4%).

Below is the key information for UTI Liquid Cash Plan - Direct

UTI Liquid Cash Plan - Direct Growth
Launch Date	1 Jan 13
NAV (03 Aug 26)	₹462.586 ↑ 0.10 (0.02 %)
Net Assets (Cr)	₹27,632 on 30 Jun 26
Category	Debt - Liquid Fund
AMC	UTI Asset Management Company Ltd
Rating	Not Rated
Risk	Low
Expense Ratio	0.17
Sharpe Ratio	2.73
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	1,500
Exit Load	NIL
Yield to Maturity	6.62%
Effective Maturity	1 Month 6 Days
Modified Duration	1 Month 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,379
31 Jul 23	₹11,077
31 Jul 24	₹11,897
31 Jul 25	₹12,746
31 Jul 26	₹13,566

UTI Liquid Cash Plan - Direct SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for UTI Liquid Cash Plan - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Aug 26

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.4%
1 Year	6.4%
3 Year	7%
5 Year	6.3%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.6%
2024	7.4%
2023	7.1%
2022	4.9%
2021	3.4%
2020	4.3%
2019	6.7%
2018	7.5%
2017	6.7%
2016	7.7%

Fund Manager information for UTI Liquid Cash Plan - Direct

Name	Since	Tenure
Amit Sharma	7 Jul 17	8.99 Yr.

Data below for UTI Liquid Cash Plan - Direct as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	98.36%
Debt	1.39%
Other	0.25%

Debt Sector Allocation

Sector	Value
Cash Equivalent	75.42%
Government	14.88%
Corporate	9.44%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	7%	₹2,050 Cr	20,650,000,000 ↑ 8,150,000,000
Net Current Assets Net Current Assets \| -	5%	-₹1,461 Cr
Reliance Retail Ventures Limited Commercial Paper \| -	3%	₹838 Cr	8,500,000,000 ↑ 8,500,000,000
HDFC Bank Limited Certificate of Deposit \| -	3%	₹790 Cr	8,000,000,000
ICICI Bank Ltd. Debentures \| -	3%	₹740 Cr	7,500,000,000 ↑ 7,500,000,000
India (Republic of) - \| -	3%	₹697 Cr	7,000,000,000 ↑ 7,000,000,000
Bank of India Ltd. Debentures \| -	2%	₹691 Cr	7,000,000,000 ↑ 7,000,000,000
Tbill Sovereign Bonds \| -	2%	₹676 Cr	6,800,000,000
HDFC Bank Ltd. Debentures \| -	2%	₹644 Cr	6,500,000,000
Central Bank of India Domestic Bonds \| -	2%	₹594 Cr	6,000,000,000

4. Mahindra Liquid Fund - Direct

The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of money market and debt instruments. However, there is no assurance that the investment objective of the Scheme will be realized and the Scheme does not assure or guarantee any returns.

Research Highlights for Mahindra Liquid Fund - Direct

Bottom quartile AUM (₹1,019 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.42% (upper mid).
1M return: 0.49% (upper mid).
Sharpe: 2.67 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.85% (lower mid).
Modified duration: 0.13 yrs (upper mid).
Average maturity: 0.13 yrs (upper mid).
Exit load: NIL.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~9.8%).

Below is the key information for Mahindra Liquid Fund - Direct

Mahindra Liquid Fund - Direct Growth
Launch Date	4 Jul 16
NAV (03 Aug 26)	₹1,837.5 ↑ 0.43 (0.02 %)
Net Assets (Cr)	₹1,019 on 30 Jun 26
Category	Debt - Liquid Fund
AMC	Mahindra Asset Management Company Pvt. Ltd.
Rating	Not Rated
Risk	Low
Expense Ratio	0.15
Sharpe Ratio	2.67
Information Ratio	0
Alpha Ratio	0
Min Investment
Min SIP Investment
Exit Load	NIL
Yield to Maturity	6.85%
Effective Maturity	1 Month 18 Days
Modified Duration	1 Month 15 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,383
31 Jul 23	₹11,085
31 Jul 24	₹11,910
31 Jul 25	₹12,762
31 Jul 26	₹13,580

Mahindra Liquid Fund - Direct SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Purchase not allowed

Returns for Mahindra Liquid Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Aug 26

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.4%
1 Year	6.4%
3 Year	7%
5 Year	6.3%
10 Year
15 Year
Since launch	6.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.6%
2024	7.5%
2023	7.2%
2022	5%
2021	3.4%
2020	4.4%
2019	6.9%
2018	7.5%
2017	6.8%
2016

Fund Manager information for Mahindra Liquid Fund - Direct

Name	Since	Tenure
Rahul Pal	4 Jul 16	10.08 Yr.
Amit Garg	8 Jun 20	6.15 Yr.

Data below for Mahindra Liquid Fund - Direct as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	99.67%
Other	0.33%

Debt Sector Allocation

Sector	Value
Cash Equivalent	70.47%
Corporate	16.99%
Government	12.21%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	10%	₹100 Cr	10,000,000
Net Receivables / (Payables) CBLO \| -	8%	-₹81 Cr
LIC Housing Finance Ltd Debentures \| -	6%	₹65 Cr	6,500,000 ↑ 6,500,000
Tata Realty And Infrastructure Limited Commercial Paper \| -	5%	₹50 Cr	5,000,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	5%	₹50 Cr	5,000,000
HDFC Bank Limited Certificate of Deposit \| -	5%	₹50 Cr	5,000,000
Bank Of Baroda Certificate of Deposit \| -	5%	₹49 Cr	5,000,000 ↑ 5,000,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	5%	₹49 Cr	5,000,000
Canara Bank Certificate of Deposit \| -	5%	₹49 Cr	5,000,000 ↑ 5,000,000
Bank of Baroda Debentures \| -	5%	₹49 Cr	5,000,000 ↑ 5,000,000

5. Edelweiss Bond Fund - Direct

To generate optimal returns while maintaining liquidity through active management of the portfolio by investing in debt and money market instruments. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for Edelweiss Bond Fund - Direct

Bottom quartile AUM (₹2,272 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 6.41% (upper mid).
1M return: 0.44% (lower mid).
Sharpe: 0.97 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.68% (upper mid).
Modified duration: 0.58 yrs (lower mid).
Average maturity: 0.58 yrs (lower mid).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~86%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~6.1%).

Below is the key information for Edelweiss Bond Fund - Direct

Edelweiss Bond Fund - Direct Growth
Launch Date	1 Jan 13
NAV (03 Aug 26)	₹33.6262 ↑ 0.02 (0.07 %)
Net Assets (Cr)	₹2,272 on 30 Jun 26
Category	Debt - Dynamic Bond
AMC	Edelweiss Asset Management Limited
Rating	Not Rated
Risk	Moderate
Expense Ratio	0.16
Sharpe Ratio	0.97
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.68%
Effective Maturity	6 Months 29 Days
Modified Duration	6 Months 29 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,347
31 Jul 23	₹11,028
31 Jul 24	₹11,851
31 Jul 25	₹12,810
31 Jul 26	₹13,624

Edelweiss Bond Fund - Direct SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Edelweiss Bond Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Aug 26

Duration	Returns
1 Month	0.4%
3 Month	1.9%
6 Month	3.4%
1 Year	6.4%
3 Year	7.3%
5 Year	6.4%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.6%
2024	7.7%
2023	7.2%
2022	4.3%
2021	3.7%
2020	7.2%
2019	13.4%
2018	6.6%
2017	3.6%
2016	10.5%

Fund Manager information for Edelweiss Bond Fund - Direct

Name	Since	Tenure
Rahul Dedhia	22 Sep 25	0.86 Yr.
Hetul Raval	1 Jul 24	2.08 Yr.

Data below for Edelweiss Bond Fund - Direct as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	85.91%
Debt	13.79%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	63.65%
Cash Equivalent	22.34%
Government	13.71%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	5%	₹123 Cr	12,500,000
23/07/2026 Maturing 364 DTB Sovereign Bonds \| -	2%	₹50 Cr	5,000,000
Indian Bank Domestic Bonds \| -	2%	₹49 Cr	5,000,000
Bank of Baroda Debentures \| -	2%	₹49 Cr	5,000,000
Axis Bank Ltd. Debentures \| -	2%	₹48 Cr	5,000,000
Canara Bank Domestic Bonds \| -	2%	₹48 Cr	5,000,000
7.29% Kerala SDL 2026 Sovereign Bonds \| -	0%	₹10 Cr	1,000,000
Sbi Cdmdf--A2 - \| -	0%	₹7 Cr	5,927
National Bank For Agriculture And Rural Development Certificate of Deposit \| -	6%	₹144 Cr	15,000,000
HDFC Bank Limited Certificate of Deposit \| -	6%	₹143 Cr	15,000,000

6. Franklin India Savings Plus Fund Retail Option - Direct

Aims to provide income consistent with the prudent risk from a portfolio comprising substantially of floating rate debt instruments, fixed rate debt instruments swapped for floating rate returns, and also fixed rate instruments and money market instruments.

Research Highlights for Franklin India Savings Plus Fund Retail Option - Direct

Upper mid AUM (₹3,920 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 6.40% (lower mid).
1M return: 0.45% (upper mid).
Sharpe: 0.95 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.76% (top quartile).
Modified duration: 0.41 yrs (upper mid).
Average maturity: 0.57 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~87%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.67% Uttarpradesh Sdl 2027 (~9.6%).

Below is the key information for Franklin India Savings Plus Fund Retail Option - Direct

Franklin India Savings Plus Fund Retail Option - Direct Growth
Launch Date	1 Jan 13
NAV (03 Aug 26)	₹55.6197 ↑ 0.04 (0.07 %)
Net Assets (Cr)	₹3,920 on 30 Jun 26
Category	Debt - Money Market
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	Not Rated
Risk	Moderately Low
Expense Ratio	0.14
Sharpe Ratio	0.95
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.76%
Effective Maturity	6 Months 25 Days
Modified Duration	4 Months 28 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,364
31 Jul 23	₹11,089
31 Jul 24	₹11,932
31 Jul 25	₹12,913
31 Jul 26	₹13,732

Franklin India Savings Plus Fund Retail Option - Direct SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Franklin India Savings Plus Fund Retail Option - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Aug 26

Duration	Returns
1 Month	0.5%
3 Month	1.9%
6 Month	3.3%
1 Year	6.4%
3 Year	7.4%
5 Year	6.6%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.6%
2024	7.8%
2023	7.4%
2022	4.6%
2021	3.7%
2020	6.2%
2019	8.6%
2018	7.7%
2017	7.3%
2016	8.5%

Fund Manager information for Franklin India Savings Plus Fund Retail Option - Direct

Name	Since	Tenure
Rahul Goswami	6 Oct 23	2.82 Yr.
Rohan Maru	10 Oct 24	1.81 Yr.
Chandni Gupta	30 Apr 24	2.25 Yr.

Data below for Franklin India Savings Plus Fund Retail Option - Direct as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	87.11%
Debt	12.62%
Other	0.28%

Debt Sector Allocation

Sector	Value
Cash Equivalent	39.13%
Corporate	36.25%
Government	24.34%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.67% Uttarpradesh Sdl 2027 Sovereign Bonds \| -	10%	₹387 Cr	37,500,000 ↓ -2,500,000
Axis Bank Ltd. Debentures \| -	2%	₹97 Cr	2,000
17/07/2026 Maturing 182 DTB Sovereign Bonds \| -	1%	₹35 Cr	3,500,000 ↑ 3,500,000
Tbill Sovereign Bonds \| -	1%	₹25 Cr	2,500,000 ↑ 2,500,000
Corporate Debt Market Development Fund Class A2 - \| -	0%	₹11 Cr	9,359 ↑ 367
7.78% Telangana Sdl 2027 Sovereign Bonds \| -	0%	₹10 Cr	1,000,000
7.88% Punjab SDL 2027 Sovereign Bonds \| -	0%	₹5 Cr	500,000 ↑ 500,000
7.14% Punjab SDL 2027 Sovereign Bonds \| -	0%	₹5 Cr	500,000
6.88% Westbengal Sdl 2026 Sovereign Bonds \| -	0%	₹5 Cr	500,000
Bajaj Housing Finance Limited Commercial Paper \| -	7%	₹287 Cr	6,000

7. UTI Money Market Fund - Direct

To provide highest possible current income consistent with preservation of capital and providing liquidity from investing in a diversified portfolio of short term money market securities.

Research Highlights for UTI Money Market Fund - Direct

Top quartile AUM (₹17,557 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.39% (lower mid).
1M return: 0.45% (lower mid).
Sharpe: 0.92 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.58% (upper mid).
Modified duration: 0.56 yrs (lower mid).
Average maturity: 0.56 yrs (upper mid).
Exit load: NIL.
Top sector: Real Estate.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~89%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~3.6%).

Below is the key information for UTI Money Market Fund - Direct

UTI Money Market Fund - Direct Growth
Launch Date	1 Jan 13
NAV (03 Aug 26)	₹3,348.58 ↑ 2.48 (0.07 %)
Net Assets (Cr)	₹17,557 on 30 Jun 26
Category	Debt - Money Market
AMC	UTI Asset Management Company Ltd
Rating	Not Rated
Risk	Low
Expense Ratio	0.17
Sharpe Ratio	0.92
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.58%
Effective Maturity	6 Months 20 Days
Modified Duration	6 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,394
31 Jul 23	₹11,139
31 Jul 24	₹11,991
31 Jul 25	₹12,971
31 Jul 26	₹13,793

UTI Money Market Fund - Direct SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Purchase not allowed

Returns for UTI Money Market Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Aug 26

Duration	Returns
1 Month	0.4%
3 Month	1.9%
6 Month	3.4%
1 Year	6.4%
3 Year	7.4%
5 Year	6.6%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.6%
2024	7.8%
2023	7.5%
2022	5%
2021	3.8%
2020	6.1%
2019	8.1%
2018	7.9%
2017	6.8%
2016	7.8%

Fund Manager information for UTI Money Market Fund - Direct

Name	Since	Tenure
Anurag Mittal	1 Dec 21	4.67 Yr.
Amit Sharma	7 Jul 17	9.07 Yr.

Data below for UTI Money Market Fund - Direct as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	89.45%
Debt	10.24%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	48.45%
Cash Equivalent	33.24%
Government	18%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	4%	₹657 Cr	6,629,850,000
Indusind Bank Ltd. Debentures \| -	2%	₹340 Cr	3,500,000,000
Tbill Sovereign Bonds \| -	2%	₹298 Cr	3,000,000,000
Tbill Sovereign Bonds \| -	2%	₹298 Cr	3,000,000,000
5.74% Govt Stock 2026 Sovereign Bonds \| -	2%	₹280 Cr	2,800,000,000
UCO Bank Domestic Bonds \| -	1%	₹234 Cr	2,500,000,000 ↑ 2,500,000,000
Tbill Sovereign Bonds \| -	1%	₹199 Cr	2,000,000,000
Axis Bank Ltd. Debentures \| -	1%	₹192 Cr	2,000,000,000
Indian Overseas Bank Debentures \| -	1%	₹192 Cr	2,000,000,000
Axis Bank Ltd. Debentures \| -	1%	₹192 Cr	2,000,000,000

8. HDFC Floating Rate Income Fund - Short Term Plan - Direct

The investment objective of the scheme is to generate regular income through investment in a portfolio comprising substantially of floating & fixed rate debt & money market instruments swapped for floating rate returns and fixed rate debt securities and money market instruments.

Research Highlights for HDFC Floating Rate Income Fund - Short Term Plan - Direct

Upper mid AUM (₹16,452 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 6.26% (bottom quartile).
1M return: 0.24% (bottom quartile).
Sharpe: 0.63 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.64% (upper mid).
Modified duration: 1.74 yrs (bottom quartile).
Average maturity: 3.70 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~87%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.52% Govt Stock 2031 (~6.6%).

Below is the key information for HDFC Floating Rate Income Fund - Short Term Plan - Direct

HDFC Floating Rate Income Fund - Short Term Plan - Direct Growth
Launch Date	1 Jan 13
NAV (03 Aug 26)	₹54.6863 ↑ 0.05 (0.09 %)
Net Assets (Cr)	₹16,452 on 30 Jun 26
Category	Debt - Floating Rate
AMC	HDFC Asset Management Company Limited
Rating	Not Rated
Risk	Moderately Low
Expense Ratio	0.25
Sharpe Ratio	0.63
Information Ratio	0
Alpha Ratio	0
Min Investment
Min SIP Investment
Exit Load	NIL
Yield to Maturity	7.64%
Effective Maturity	3 Years 8 Months 12 Days
Modified Duration	1 Year 8 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,338
31 Jul 23	₹11,154
31 Jul 24	₹12,082
31 Jul 25	₹13,161
31 Jul 26	₹13,978

HDFC Floating Rate Income Fund - Short Term Plan - Direct SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Purchase not allowed

Returns for HDFC Floating Rate Income Fund - Short Term Plan - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Aug 26

Duration	Returns
1 Month	0.2%
3 Month	2.2%
6 Month	3.5%
1 Year	6.3%
3 Year	7.8%
5 Year	6.9%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	8.1%
2024	8.5%
2023	7.9%
2022	4.8%
2021	4.4%
2020	9.4%
2019	8.7%
2018	7.4%
2017	7%
2016	9.1%

Fund Manager information for HDFC Floating Rate Income Fund - Short Term Plan - Direct

Name	Since	Tenure
Anil Bamboli	7 Mar 26	0.4 Yr.
Dhruv Muchhal	22 Jun 23	3.11 Yr.

Data below for HDFC Floating Rate Income Fund - Short Term Plan - Direct as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	12.86%
Debt	86.84%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	70.63%
Government	25%
Cash Equivalent	4.07%

Credit Quality

Rating	Value
AA	14.22%
AAA	85.78%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.52% Govt Stock 2031 Sovereign Bonds \| -	7%	₹1,089 Cr	106,000,000
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	4%	₹682 Cr	695
6.45% Govt Stock 2034 Sovereign Bonds \| -	3%	₹513 Cr	50,000,000
Jubilant Beverages Limited Debentures \| -	3%	₹483 Cr	43,600
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹400 Cr	40,000
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	2%	₹395 Cr	400
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹370 Cr	37,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹351 Cr	35,000
Aadhar Housing Finance Limited Debentures \| -	2%	₹301 Cr	30,000
Small Industries Development Bank Of India Debentures \| -	2%	₹276 Cr	27,500

9. UTI Treasury Advantage Fund - Direct

The scheme will endeavour to generate an attractive return for its investors consistent with capital preservation and liquidity by investing in a portfolio of quality debt securities, money market instruments and structured obligations.

Research Highlights for UTI Treasury Advantage Fund - Direct

Lower mid AUM (₹2,460 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 6.25% (bottom quartile).
1M return: 0.41% (bottom quartile).
Sharpe: 0.72 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.77% (top quartile).
Modified duration: 0.69 yrs (bottom quartile).
Average maturity: 0.88 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~75%).
High-quality debt (AAA/AA ~100%).
Largest holding Tbill (~8.9%).

Below is the key information for UTI Treasury Advantage Fund - Direct

UTI Treasury Advantage Fund - Direct Growth
Launch Date	1 Jan 13
NAV (03 Aug 26)	₹3,860.47 ↑ 2.97 (0.08 %)
Net Assets (Cr)	₹2,460 on 30 Jun 26
Category	Debt - Low Duration
AMC	UTI Asset Management Company Ltd
Rating	Not Rated
Risk	Moderately Low
Expense Ratio	0.37
Sharpe Ratio	0.72
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.77%
Effective Maturity	10 Months 17 Days
Modified Duration	8 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,891
31 Jul 23	₹11,634
31 Jul 24	₹12,489
31 Jul 25	₹13,526
31 Jul 26	₹14,365

UTI Treasury Advantage Fund - Direct SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for UTI Treasury Advantage Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Aug 26

Duration	Returns
1 Month	0.4%
3 Month	1.9%
6 Month	3.3%
1 Year	6.2%
3 Year	7.3%
5 Year	7.5%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.7%
2024	7.8%
2023	7.2%
2022	4.6%
2021	9.1%
2020	7.4%
2019	-4.1%
2018	7.5%
2017	7.2%
2016	9.1%

Fund Manager information for UTI Treasury Advantage Fund - Direct

Name	Since	Tenure
Anurag Mittal	1 Dec 21	4.67 Yr.

Data below for UTI Treasury Advantage Fund - Direct as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	25.05%
Debt	74.51%
Other	0.44%

Debt Sector Allocation

Sector	Value
Corporate	65.3%
Government	17.92%
Cash Equivalent	16.34%

Credit Quality

Rating	Value
AA	10.39%
AAA	89.61%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tbill Sovereign Bonds \| -	9%	₹196 Cr	2,000,000,000
Rec Limited Debentures \| -	6%	₹140 Cr	14,000
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹125 Cr	12,500 ↓ -7,500
Embassy Office Parks Reit Debentures \| -	5%	₹120 Cr	1,200
Mahindra Rural Housing Finance Limited Debentures \| -	5%	₹100 Cr	10,000
Embassy Office Parks Reit Debentures \| -	4%	₹90 Cr	900
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹53 Cr	55
Can Fin Homes Limited Debentures \| -	2%	₹50 Cr	5,000
360 One Prime Limited Debentures \| -	2%	₹50 Cr	500,000
Aditya Birla Renewables Limited Debentures \| -	2%	₹50 Cr	5,000

10. Franklin India Banking And PSU Debt Fund - Direct

The fund seeks to provide income through a portfolio of debt and money market instruments consisting predominantly of securities issued by entities such as Banks and Public Sector Undertakings (PSUs). However, there is no assurance or guarantee that the objective of the scheme will be achieved.

Research Highlights for Franklin India Banking And PSU Debt Fund - Direct

Bottom quartile AUM (₹584 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 6.22% (bottom quartile).
1M return: 0.43% (bottom quartile).
Sharpe: 0.48 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.50% (lower mid).
Modified duration: 1.19 yrs (bottom quartile).
Average maturity: 2.62 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~41%).
High-quality debt (AAA/AA ~100%).
Largest holding Maharashtra SDL (~5.5%).

Below is the key information for Franklin India Banking And PSU Debt Fund - Direct

Franklin India Banking And PSU Debt Fund - Direct Growth
Launch Date	25 Apr 14
NAV (03 Aug 26)	₹25.1565 ↑ 0.01 (0.06 %)
Net Assets (Cr)	₹584 on 30 Jun 26
Category	Debt - Banking & PSU Debt
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	Not Rated
Risk	Moderate
Expense Ratio	0.18
Sharpe Ratio	0.48
Information Ratio	0
Alpha Ratio	0
Min Investment
Min SIP Investment
Exit Load	NIL
Yield to Maturity	7.5%
Effective Maturity	2 Years 7 Months 13 Days
Modified Duration	1 Year 2 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,316
31 Jul 23	₹11,000
31 Jul 24	₹11,832
31 Jul 25	₹12,892
31 Jul 26	₹13,695

Franklin India Banking And PSU Debt Fund - Direct SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Purchase not allowed

Returns for Franklin India Banking And PSU Debt Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Aug 26

Duration	Returns
1 Month	0.4%
3 Month	2%
6 Month	3.3%
1 Year	6.2%
3 Year	7.6%
5 Year	6.5%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	8.3%
2024	8.1%
2023	7.2%
2022	3.6%
2021	4%
2020	9.5%
2019	11.6%
2018	7.3%
2017	6.8%
2016	10.2%

Fund Manager information for Franklin India Banking And PSU Debt Fund - Direct

Name	Since	Tenure
Anuj Tagra	7 Mar 24	2.4 Yr.
Chandni Gupta	7 Mar 24	2.4 Yr.
Sandeep Manam	18 Oct 21	4.79 Yr.

Data below for Franklin India Banking And PSU Debt Fund - Direct as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	40.91%
Debt	58.73%
Other	0.36%

Debt Sector Allocation

Sector	Value
Corporate	72.19%
Government	21.54%
Cash Equivalent	5.91%

Credit Quality

Rating	Value
AA	3.31%
AAA	96.69%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Maharashtra SDL Sovereign Bonds \| -	5%	₹32 Cr	3,100,000
India Infrastructure Finance Company Limited Debentures \| -	5%	₹31 Cr	3,000
Axis Bank Limited Debentures \| -	4%	₹26 Cr	250
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹26 Cr	2,500
Mahindra And Mahindra Financial Services Limited Debentures \| -	4%	₹25 Cr	2,500
Rec Limited Debentures \| -	4%	₹24 Cr	2,341
Small Industries Development Bank of India Debentures \| -	4%	₹23 Cr	500
Rec Limited Debentures \| -	4%	₹21 Cr	3,700
Power Finance Corporation Limited Debentures \| -	4%	₹21 Cr	2,000
Bajaj Finance Limited Debentures \| -	3%	₹15 Cr	1,500

Disclaimer:
এখানে প্রদত্ত তথ্যগুলি নির্ভুল নিশ্চিত করার জন্য সমস্ত প্রচেষ্টা করা হয়েছে। তবে তথ্যের সঠিকতা সম্পর্কিত কোনও গ্যারান্টি দেওয়া হয় না। কোনও বিনিয়োগ করার আগে দয়া করে স্কিম তথ্য নথি দিয়ে যাচাই করুন।