+91-22-48913909Tণ মিউচুয়াল তহবিলের সেরা সরাসরি পরিকল্পনা ns
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 (%) 2024 (%) Franklin India Income Builder Account - Plan A - Direct Growth ₹110.543
↑ 0.05 ₹1,071 1.4 3.6 9.9 8.4 6.7 8.2 Axis Corporate Debt Opportunities Fund - Direct Growth ₹18.5407
↑ 0.01 ₹9,588 1.5 3.5 9.1 8.5 6.8 8.7 Franklin India Banking And PSU Debt Fund - Direct Growth ₹24.0373
↑ 0.02 ₹500 1.6 3.6 8.4 8 6.2 8.1 HDFC Floating Rate Income Fund - Short Term Plan - Direct Growth ₹52.2189
↑ 0.02 ₹15,446 1.5 3.6 8.3 8.2 6.8 8.5 UTI Short Term Income Fund - Direct Growth ₹34.5362
↑ 0.01 ₹3,251 1.4 3.3 8.3 8.1 7.5 8.4 Reliance Dynamic Bond Fund - Direct Growth ₹40.7555
↑ 0.03 ₹4,362 0.7 2.4 8.1 8.6 6 9.4 UTI Treasury Advantage Fund - Direct Growth ₹3,689.29
↑ 0.97 ₹3,125 1.6 3.5 7.8 7.6 7.2 7.8 Franklin India Savings Plus Fund Retail Option - Direct Growth ₹53.0324
↑ 0.01 ₹3,865 1.5 3.4 7.8 7.7 6.1 7.8 UTI Money Market Fund - Direct Growth ₹3,193.5
↑ 0.54 ₹19,496 1.5 3.4 7.8 7.7 6.3 7.8 Edelweiss Bond Fund - Direct Growth ₹32.0548
↑ 0.01 ₹2,062 1.5 3.4 7.7 7.5 6 7.7 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Oct 25 Research Highlights & Commentary of 10 Funds showcased
Commentary Franklin India Income Builder Account - Plan A - Direct Axis Corporate Debt Opportunities Fund - Direct Franklin India Banking And PSU Debt Fund - Direct HDFC Floating Rate Income Fund - Short Term Plan - Direct UTI Short Term Income Fund - Direct Reliance Dynamic Bond Fund - Direct UTI Treasury Advantage Fund - Direct Franklin India Savings Plus Fund Retail Option - Direct UTI Money Market Fund - Direct Edelweiss Bond Fund - Direct Point 1 Bottom quartile AUM (₹1,071 Cr). Upper mid AUM (₹9,588 Cr). Bottom quartile AUM (₹500 Cr). Top quartile AUM (₹15,446 Cr). Lower mid AUM (₹3,251 Cr). Upper mid AUM (₹4,362 Cr). Lower mid AUM (₹3,125 Cr). Upper mid AUM (₹3,865 Cr). Highest AUM (₹19,496 Cr). Bottom quartile AUM (₹2,062 Cr). Point 2 Oldest track record among peers (12 yrs). Established history (8+ yrs). Established history (11+ yrs). Established history (12+ yrs). Established history (12+ yrs). Established history (12+ yrs). Established history (12+ yrs). Established history (12+ yrs). Established history (12+ 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: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Moderate. Point 5 1Y return: 9.91% (top quartile). 1Y return: 9.15% (top quartile). 1Y return: 8.43% (upper mid). 1Y return: 8.31% (upper mid). 1Y return: 8.26% (upper mid). 1Y return: 8.14% (lower mid). 1Y return: 7.83% (lower mid). 1Y return: 7.80% (bottom quartile). 1Y return: 7.76% (bottom quartile). 1Y return: 7.66% (bottom quartile). Point 6 1M return: 0.66% (lower mid). 1M return: 0.84% (top quartile). 1M return: 0.76% (upper mid). 1M return: 0.67% (upper mid). 1M return: 0.70% (upper mid). 1M return: 0.90% (top quartile). 1M return: 0.60% (lower mid). 1M return: 0.51% (bottom quartile). 1M return: 0.52% (bottom quartile). 1M return: 0.52% (bottom quartile). Point 7 Sharpe: 1.52 (lower mid). Sharpe: 1.52 (lower mid). Sharpe: 1.27 (bottom quartile). Sharpe: 2.14 (upper mid). Sharpe: 1.51 (bottom quartile). Sharpe: 0.60 (bottom quartile). Sharpe: 2.69 (upper mid). Sharpe: 3.30 (top quartile). Sharpe: 3.40 (top quartile). Sharpe: 3.19 (upper mid). 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): 7.12% (upper mid). Yield to maturity (debt): 6.88% (upper mid). Yield to maturity (debt): 7.14% (top quartile). Yield to maturity (debt): 7.14% (top quartile). Yield to maturity (debt): 6.82% (upper mid). Yield to maturity (debt): 6.56% (lower mid). Yield to maturity (debt): 6.69% (lower mid). Yield to maturity (debt): 6.08% (bottom quartile). Yield to maturity (debt): 6.22% (bottom quartile). Yield to maturity (debt): 6.15% (bottom quartile). Point 10 Modified duration: 2.93 yrs (lower mid). Modified duration: 3.16 yrs (bottom quartile). Modified duration: 3.19 yrs (bottom quartile). Modified duration: 1.68 yrs (upper mid). Modified duration: 2.53 yrs (lower mid). Modified duration: 4.01 yrs (bottom quartile). Modified duration: 0.95 yrs (upper mid). Modified duration: 0.49 yrs (top quartile). Modified duration: 0.49 yrs (top quartile). Modified duration: 0.54 yrs (upper mid). Franklin India Income Builder Account - Plan A - Direct
Axis Corporate Debt Opportunities Fund - Direct
Franklin India Banking And PSU Debt Fund - Direct
HDFC Floating Rate Income Fund - Short Term Plan - Direct
UTI Short Term Income Fund - Direct
Reliance Dynamic Bond Fund - Direct
UTI Treasury Advantage Fund - Direct
Franklin India Savings Plus Fund Retail Option - Direct
UTI Money Market Fund - Direct
Edelweiss Bond Fund - Direct
The investment objective of the Scheme is primarily to provide investors Regular income under the Dividend Plan and Capital appreciation under the Growth Plan. Below is the key information for Franklin India Income Builder Account - Plan A - Direct Returns up to 1 year are on The Scheme seeks to provide steady income and capital appreciation by investing in corporate debt. There is no assurance or guarantee that the objectives of the Scheme will be realized. Research Highlights for Axis Corporate Debt Opportunities Fund - Direct Below is the key information for Axis Corporate Debt Opportunities Fund - Direct Returns up to 1 year are on 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 Below is the key information for Franklin India Banking And PSU Debt Fund - Direct Returns up to 1 year are on 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 Below is the key information for HDFC Floating Rate Income Fund - Short Term Plan - Direct Returns up to 1 year are on 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 Short Term Income Fund - Direct Below is the key information for UTI Short Term Income Fund - Direct Returns up to 1 year are on The primary investment objective of the scheme is to generate optimal returns consistent with moderate levels of risks. This income may be complimented by capital appreciation of the portfolio. Accordingly, investments shall predominantly be made in debt and money market instruments. Research Highlights for Reliance Dynamic Bond Fund - Direct Below is the key information for Reliance Dynamic Bond Fund - Direct Returns up to 1 year are on 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 Below is the key information for UTI Treasury Advantage Fund - Direct Returns up to 1 year are on 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 Below is the key information for Franklin India Savings Plus Fund Retail Option - Direct Returns up to 1 year are on 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 Below is the key information for UTI Money Market Fund - Direct Returns up to 1 year are on 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 Below is the key information for Edelweiss Bond Fund - Direct Returns up to 1 year are on 1. Franklin India Income Builder Account - Plan A - Direct
Franklin India Income Builder Account - Plan A - Direct
Growth Launch Date 1 Jan 13 NAV (31 Oct 25) ₹110.543 ↑ 0.05 (0.04 %) Net Assets (Cr) ₹1,071 on 31 Aug 25 Category Debt - Corporate Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating Risk Moderate Expense Ratio 0.24 Sharpe Ratio 1.52 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load 0-1 Years (0.5%),1 Years and above(NIL) Yield to Maturity 7.12% Effective Maturity 6 Years 4 Months 17 Days Modified Duration 2 Years 11 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,514 31 Oct 22 ₹10,846 31 Oct 23 ₹11,617 31 Oct 24 ₹12,577 31 Oct 25 ₹13,823 Returns for Franklin India Income Builder Account - Plan A - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month 0.7% 3 Month 1.4% 6 Month 3.6% 1 Year 9.9% 3 Year 8.4% 5 Year 6.7% 10 Year 15 Year Since launch 8.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.2% 2023 7.1% 2022 3.7% 2021 4.3% 2020 9.7% 2019 9.8% 2018 8.1% 2017 8.3% 2016 9.7% 2015 9.3% Fund Manager information for Franklin India Income Builder Account - Plan A - Direct
Name Since Tenure Rahul Goswami 6 Oct 23 1.99 Yr. Anuj Tagra 7 Mar 24 1.57 Yr. Chandni Gupta 7 Mar 24 1.57 Yr. Data below for Franklin India Income Builder Account - Plan A - Direct as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 11.2% Debt 88.56% Other 0.25% Debt Sector Allocation
Sector Value Credit Quality
Rating Value AA 9.98% AAA 90.02% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.55% Poonawalla Fincorp Ltd (25-Mar-2027)
Debentures | -7% ₹80 Cr 8,000
↑ 8,000 National Bank For Agriculture And Rural Development
Debentures | -6% ₹77 Cr 7,500 Jubilant Bevco Limited
Debentures | -6% ₹69 Cr 6,576 Small Industries Development Bank Of India
Debentures | -4% ₹53 Cr 500 Rec Limited
Debentures | -4% ₹52 Cr 500 Sikka Ports & Terminals Limited
Debentures | -4% ₹52 Cr 500 Rec Limited
Debentures | -4% ₹52 Cr 9,000 Summit Digitel Infrastructure Limited
Debentures | -4% ₹51 Cr 5,000 Embassy Office Parks Reit
Debentures | -4% ₹50 Cr 5,000 Power Finance Corporation Limited
Debentures | -4% ₹49 Cr 4,550 2. Axis Corporate Debt Opportunities Fund - Direct
Axis Corporate Debt Opportunities Fund - Direct
Growth Launch Date 13 Jul 17 NAV (31 Oct 25) ₹18.5407 ↑ 0.01 (0.05 %) Net Assets (Cr) ₹9,588 on 31 Aug 25 Category Debt - Corporate Bond AMC Axis Asset Management Company Limited Rating Risk Moderate Expense Ratio 0.31 Sharpe Ratio 1.52 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.88% Effective Maturity 4 Years 29 Days Modified Duration 3 Years 1 Month 28 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,489 31 Oct 22 ₹10,890 31 Oct 23 ₹11,687 31 Oct 24 ₹12,734 31 Oct 25 ₹13,898 Returns for Axis Corporate Debt Opportunities Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month 0.8% 3 Month 1.5% 6 Month 3.5% 1 Year 9.1% 3 Year 8.5% 5 Year 6.8% 10 Year 15 Year Since launch 7.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.7% 2023 7.5% 2022 4.4% 2021 4.4% 2020 12.4% 2019 6.9% 2018 8.8% 2017 2016 2015 Fund Manager information for Axis Corporate Debt Opportunities Fund - Direct
Name Since Tenure Devang Shah 13 Jul 17 8.22 Yr. Hardik Shah 31 Jan 22 3.67 Yr. Data below for Axis Corporate Debt Opportunities Fund - Direct as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 3.36% Debt 96.37% Other 0.27% Debt Sector Allocation
Sector Value Corporate 61.02% Government 32.29% Cash Equivalent 3.9% Securitized 2.52% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -7% ₹697 Cr 68,500,000
↑ 9,000,000 7.18% Govt Stock 2033
Sovereign Bonds | -7% ₹641 Cr 61,500,000
↑ 12,500,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹300 Cr 29,500 Small Industries Development Bank Of India
Debentures | -2% ₹204 Cr 20,000 Bajaj Housing Finance Limited
Debentures | -2% ₹200 Cr 20,000
↑ 5,000 6.68% Govt Stock 2040
Sovereign Bonds | -2% ₹198 Cr 20,000,000
↑ 20,000,000 Small Industries Development Bank Of India
Debentures | -2% ₹178 Cr 17,500
↑ 15,000 Indian Railway Finance Corporation Limited
Debentures | -2% ₹162 Cr 1,550 Bajaj Finance Limited
Debentures | -1% ₹131 Cr 13,000 Rec Limited
Debentures | -1% ₹127 Cr 12,500 3. Franklin India Banking And PSU Debt Fund - Direct
Franklin India Banking And PSU Debt Fund - Direct
Growth Launch Date 25 Apr 14 NAV (31 Oct 25) ₹24.0373 ↑ 0.02 (0.06 %) Net Assets (Cr) ₹500 on 31 Aug 25 Category Debt - Banking & PSU Debt AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating Risk Moderate Expense Ratio 0.18 Sharpe Ratio 1.27 Information Ratio 0 Alpha Ratio 0 Min Investment Min SIP Investment Exit Load NIL Yield to Maturity 7.14% Effective Maturity 6 Years 5 Months 8 Days Modified Duration 3 Years 2 Months 8 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,436 31 Oct 22 ₹10,749 31 Oct 23 ₹11,527 31 Oct 24 ₹12,471 31 Oct 25 ₹13,523
Purchase not allowed Returns for Franklin India Banking And PSU Debt Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month 0.8% 3 Month 1.6% 6 Month 3.6% 1 Year 8.4% 3 Year 8% 5 Year 6.2% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 7.9% Fund Manager information for Franklin India Banking And PSU Debt Fund - Direct
Name Since Tenure Anuj Tagra 7 Mar 24 1.57 Yr. Chandni Gupta 7 Mar 24 1.57 Yr. Sandeep Manam 18 Oct 21 3.96 Yr. Data below for Franklin India Banking And PSU Debt Fund - Direct as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 22.72% Debt 76.88% Other 0.4% Debt Sector Allocation
Sector Value Corporate 60.68% Government 26.1% Cash Equivalent 12.82% Credit Quality
Rating Value AA 11.33% AAA 88.67% Top Securities Holdings / Portfolio
Name Holding Value Quantity Jubilant Bevco Limited
Debentures | -8% ₹40 Cr 3,747 Rec Limited
Debentures | -7% ₹34 Cr 6,000 India Infrastructure Finance Company Limited
Debentures | -6% ₹32 Cr 3,000 Power Finance Corporation Limited
Debentures | -5% ₹27 Cr 2,500 Small Industries Development Bank Of India
Debentures | -5% ₹27 Cr 250 Housing And Urban Development Corporation Limited
Debentures | -5% ₹26 Cr 2,500 ICICI Bank Limited
Debentures | -5% ₹26 Cr 25 National Bank For Agriculture And Rural Development
Debentures | -5% ₹25 Cr 2,500 7.30% Uttarkahand SDL (01-Oct-2032)
Sovereign Bonds | -5% ₹25 Cr 2,500,000
↑ 2,500,000 HDFC Bank Limited
Debentures | -4% ₹21 Cr 20 4. 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 (31 Oct 25) ₹52.2189 ↑ 0.02 (0.04 %) Net Assets (Cr) ₹15,446 on 30 Sep 25 Category Debt - Floating Rate AMC HDFC Asset Management Company Limited Rating Risk Moderately Low Expense Ratio 0.25 Sharpe Ratio 2.14 Information Ratio 0 Alpha Ratio 0 Min Investment Min SIP Investment Exit Load NIL Yield to Maturity 7.14% Effective Maturity 4 Years 7 Months 13 Days Modified Duration 1 Year 8 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,544 31 Oct 22 ₹10,983 31 Oct 23 ₹11,833 31 Oct 24 ₹12,851 31 Oct 25 ₹13,919
Purchase not allowed Returns for HDFC Floating Rate Income Fund - Short Term Plan - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month 0.7% 3 Month 1.5% 6 Month 3.6% 1 Year 8.3% 3 Year 8.2% 5 Year 6.8% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 8.9% Fund Manager information for HDFC Floating Rate Income Fund - Short Term Plan - Direct
Name Since Tenure Shobhit Mehrotra 23 Oct 07 17.95 Yr. Dhruv Muchhal 22 Jun 23 2.28 Yr. Data below for HDFC Floating Rate Income Fund - Short Term Plan - Direct as on 30 Sep 25
Asset Allocation
Asset Class Value Cash 5.74% Debt 93.97% Other 0.29% Debt Sector Allocation
Sector Value Credit Quality
Rating Value AA 14.38% AAA 85.62% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.99% Govt Stock 2034
Sovereign Bonds | -14% ₹2,138 Cr 210,070,000 6.63% Govt Stock 2031
Sovereign Bonds | -6% ₹992 Cr 97,500,000 6.82% Govt Stock 2033
Sovereign Bonds | -5% ₹740 Cr 71,641,200 SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -3% ₹516 Cr 510 Jubilant Beverages Limited
Debentures | -3% ₹459 Cr 43,600 National Bank For Agriculture And Rural Development
Debentures | -2% ₹331 Cr 32,500 Aadhar Housing Finance Limited
Debentures | -2% ₹305 Cr 30,000 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -2% ₹253 Cr 250 Power Finance Corporation Limited
Debentures | -1% ₹229 Cr 22,500 Bajaj Housing Finance Limited
Debentures | -1% ₹204 Cr 20,000 5. UTI Short Term Income Fund - Direct
UTI Short Term Income Fund - Direct
Growth Launch Date 1 Jan 13 NAV (31 Oct 25) ₹34.5362 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹3,251 on 31 Aug 25 Category Debt - Short term Bond AMC UTI Asset Management Company Ltd Rating Risk Moderate Expense Ratio 0.4 Sharpe Ratio 1.51 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.82% Effective Maturity 3 Years 2 Months 19 Days Modified Duration 2 Years 6 Months 11 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,973 31 Oct 22 ₹11,376 31 Oct 23 ₹12,210 31 Oct 24 ₹13,283 31 Oct 25 ₹14,380 Returns for UTI Short Term Income Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month 0.7% 3 Month 1.4% 6 Month 3.3% 1 Year 8.3% 3 Year 8.1% 5 Year 7.5% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.4% 2023 7.6% 2022 4.4% 2021 9% 2020 11% 2019 -3.5% 2018 6.6% 2017 6.6% 2016 10.6% 2015 8.9% Fund Manager information for UTI Short Term Income Fund - Direct
Name Since Tenure Anurag Mittal 8 Apr 25 0.48 Yr. Sudhir Agarwal 25 Oct 12 12.94 Yr. Data below for UTI Short Term Income Fund - Direct as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 15.4% Debt 84.34% Other 0.26% Debt Sector Allocation
Sector Value Corporate 64% Government 28.9% Cash Equivalent 6.84% Credit Quality
Rating Value AA 8.49% AAA 91.51% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -9% ₹310 Cr 3,050,000,000 LIC Housing Finance Ltd
Debentures | -5% ₹179 Cr 1,750 National Housing Bank
Debentures | -5% ₹178 Cr 17,500 Small Industries Development Bank Of India
Debentures | -5% ₹178 Cr 17,500 Power Finance Corporation Limited
Debentures | -5% ₹177 Cr 17,500 National Bank For Agriculture And Rural Development
Debentures | -4% ₹143 Cr 14,000 Export Import Bank Of India
Debentures | -4% ₹127 Cr 12,500 Bajaj Finance Limited
Debentures | -2% ₹76 Cr 7,500 Kotak Mahindra Prime Limited
Debentures | -2% ₹76 Cr 750 Export Import Bank Of India
Debentures | -2% ₹76 Cr 7,500 6. Reliance Dynamic Bond Fund - Direct
Reliance Dynamic Bond Fund - Direct
Growth Launch Date 1 Jan 13 NAV (31 Oct 25) ₹40.7555 ↑ 0.03 (0.07 %) Net Assets (Cr) ₹4,362 on 31 Aug 25 Category Debt - Dynamic Bond AMC Nippon Life Asset Management Ltd. Rating Risk Moderate Expense Ratio 0.32 Sharpe Ratio 0.6 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-12 Months (1%),12 Months and above(NIL) Yield to Maturity 6.56% Effective Maturity 4 Years 10 Months 24 Days Modified Duration 4 Years 4 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,294 31 Oct 22 ₹10,455 31 Oct 23 ₹11,231 31 Oct 24 ₹12,390 31 Oct 25 ₹13,398 Returns for Reliance Dynamic Bond Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month 0.9% 3 Month 0.7% 6 Month 2.4% 1 Year 8.1% 3 Year 8.6% 5 Year 6% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 9.4% 2023 7.1% 2022 2.8% 2021 3.2% 2020 11.9% 2019 9.2% 2018 5.5% 2017 3.8% 2016 14.7% 2015 6.4% Fund Manager information for Reliance Dynamic Bond Fund - Direct
Name Since Tenure Vivek Sharma 25 Jun 20 5.27 Yr. Pranay Sinha 31 Mar 21 4.5 Yr. Kinjal Desai 25 May 18 7.36 Yr. Data below for Reliance Dynamic Bond Fund - Direct as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 2.06% Debt 97.64% Other 0.3% Debt Sector Allocation
Sector Value Government 97.64% Cash Equivalent 2.06% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 07.83 MH Sdl 2030
Sovereign Bonds | -7% ₹306 Cr 29,400,000 07.78 MH Sgs 2030
Sovereign Bonds | -6% ₹251 Cr 24,100,200 07.04 Tn SDL 2030
Sovereign Bonds | -5% ₹234 Cr 23,078,300 07.72 MH Sgs 2031
Sovereign Bonds | -5% ₹199 Cr 19,146,700 07.02 Tn SDL 2030
Sovereign Bonds | -3% ₹126 Cr 12,500,000 7.17% Govt Stock 2030
Sovereign Bonds | -3% ₹125 Cr 12,000,000 07.86 MH Sdl 2030
Sovereign Bonds | -3% ₹115 Cr 11,000,000 06.65 GJ Sdl 2030
Sovereign Bonds | -3% ₹112 Cr 11,200,000 07.09 KA Sdl 2030
Sovereign Bonds | -2% ₹105 Cr 10,321,200 07.49 MH Sdl 2030
Sovereign Bonds | -2% ₹103 Cr 10,030,000 7. UTI Treasury Advantage Fund - Direct
UTI Treasury Advantage Fund - Direct
Growth Launch Date 1 Jan 13 NAV (31 Oct 25) ₹3,689.29 ↑ 0.97 (0.03 %) Net Assets (Cr) ₹3,125 on 31 Aug 25 Category Debt - Low Duration AMC UTI Asset Management Company Ltd Rating Risk Moderately Low Expense Ratio 0.37 Sharpe Ratio 2.69 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.69% Effective Maturity 1 Year 1 Month 10 Days Modified Duration 11 Months 12 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,923 31 Oct 22 ₹11,367 31 Oct 23 ₹12,180 31 Oct 24 ₹13,134 31 Oct 25 ₹14,162 Returns for UTI Treasury Advantage Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month 0.6% 3 Month 1.6% 6 Month 3.5% 1 Year 7.8% 3 Year 7.6% 5 Year 7.2% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 8.9% Fund Manager information for UTI Treasury Advantage Fund - Direct
Name Since Tenure Anurag Mittal 1 Dec 21 3.84 Yr. Data below for UTI Treasury Advantage Fund - Direct as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 17.17% Debt 82.5% Other 0.33% Debt Sector Allocation
Sector Value Corporate 64.87% Government 19.08% Cash Equivalent 13.79% Securitized 1.94% Credit Quality
Rating Value AA 20.42% AAA 79.58% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -4% ₹127 Cr 12,500 Treasury Bills
Sovereign Bonds | -4% ₹123 Cr 1,250,000,000 Embassy Office Parks Reit
Debentures | -4% ₹120 Cr 1,200 Rec Limited
Debentures | -4% ₹101 Cr 10,000 Summit Digitel Infrastructure Limited
Debentures | -3% ₹100 Cr 1,000
↑ 750 Sikka Ports & Terminals Limited
Debentures | -3% ₹100 Cr 1,000 182 Days Tbill Red 29-01-2026
Sovereign Bonds | -3% ₹94 Cr 950,000,000 Nirma Limited
Debentures | -3% ₹75 Cr 7,500 Ncd Poonawalla Fincorp Ltd.
Debentures | -3% ₹75 Cr 7,500
↑ 7,500 Jamnagar Utilities & Power Private Limited
Debentures | -3% ₹75 Cr 750
↑ 250 8. Franklin India Savings Plus Fund Retail Option - Direct
Franklin India Savings Plus Fund Retail Option - Direct
Growth Launch Date 1 Jan 13 NAV (31 Oct 25) ₹53.0324 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹3,865 on 31 Aug 25 Category Debt - Money Market AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating Risk Moderately Low Expense Ratio 0.14 Sharpe Ratio 3.3 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.08% Effective Maturity 6 Months 7 Days Modified Duration 5 Months 26 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,368 31 Oct 22 ₹10,789 31 Oct 23 ₹11,594 31 Oct 24 ₹12,497 31 Oct 25 ₹13,471 Returns for Franklin India Savings Plus Fund Retail Option - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 3.4% 1 Year 7.8% 3 Year 7.7% 5 Year 6.1% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 9% Fund Manager information for Franklin India Savings Plus Fund Retail Option - Direct
Name Since Tenure Rahul Goswami 6 Oct 23 1.99 Yr. Rohan Maru 10 Oct 24 0.98 Yr. Chandni Gupta 30 Apr 24 1.42 Yr. Data below for Franklin India Savings Plus Fund Retail Option - Direct as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 87.3% Debt 12.48% Other 0.22% Debt Sector Allocation
Sector Value Cash Equivalent 40.04% Corporate 35.97% Government 23.77% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -5% ₹220 Cr 22,500,000 364 DTB 27112025
Sovereign Bonds | -3% ₹149 Cr 15,000,000 364 DTB 06112025
Sovereign Bonds | -2% ₹100 Cr 10,000,000
↑ 10,000,000 Kotak Mahindra Bank Ltd.
Debentures | -2% ₹73 Cr 1,500 Punjab National Bank
Domestic Bonds | -1% ₹49 Cr 1,000 364 Days Tbill Red 12-03-2026
Sovereign Bonds | -1% ₹49 Cr 5,000,000 Indian Bank
Domestic Bonds | -1% ₹49 Cr 1,000 HDFC Bank Ltd.
Debentures | -1% ₹49 Cr 1,000 08.39 RJ UDAY 2026
Domestic Bonds | -1% ₹29 Cr 2,860,000 08.43 AS Sdl 2026
Sovereign Bonds | -0% ₹21 Cr 2,000,000 9. UTI Money Market Fund - Direct
UTI Money Market Fund - Direct
Growth Launch Date 1 Jan 13 NAV (31 Oct 25) ₹3,193.5 ↑ 0.54 (0.02 %) Net Assets (Cr) ₹19,496 on 31 Aug 25 Category Debt - Money Market AMC UTI Asset Management Company Ltd Rating Risk Low Expense Ratio 0.17 Sharpe Ratio 3.4 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.22% Effective Maturity 5 Months 28 Days Modified Duration 5 Months 27 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,381 31 Oct 22 ₹10,844 31 Oct 23 ₹11,661 31 Oct 24 ₹12,571 31 Oct 25 ₹13,547
Purchase not allowed Returns for UTI Money Market Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 3.4% 1 Year 7.8% 3 Year 7.7% 5 Year 6.3% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 8.5% Fund Manager information for UTI Money Market Fund - Direct
Name Since Tenure Anurag Mittal 1 Dec 21 3.83 Yr. Amit Sharma 7 Jul 17 8.24 Yr. Data below for UTI Money Market Fund - Direct as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 86.66% Debt 13.08% Other 0.26% Debt Sector Allocation
Sector Value Corporate 46.85% Cash Equivalent 31.16% Government 21.74% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -2% ₹490 Cr 5,000,000,000 364 DTB 19mar2026
Sovereign Bonds | -2% ₹489 Cr 5,000,000,000 364 Days Tbill Red 12-03-2026
Sovereign Bonds | -1% ₹245 Cr 2,500,000,000 182 Days T-Bill - 19/03/2026
Sovereign Bonds | -1% ₹244 Cr 2,500,000,000
↑ 2,500,000,000 364 DTB 12022026
Sovereign Bonds | -1% ₹196 Cr 2,000,000,000 364 DTB 27022026
Sovereign Bonds | -1% ₹196 Cr 2,000,000,000 182 Days Tbill Red 28-05-2026
Sovereign Bonds | -1% ₹173 Cr 1,750,000,000 HDFC Bank Ltd.
Debentures | -1% ₹146 Cr 1,500,000,000 Equitas Small Finance Bank Ltd.
Debentures | -1% ₹146 Cr 1,500,000,000 India (Republic of)
- | -1% ₹119 Cr 1,206,770,000 10. Edelweiss Bond Fund - Direct
Edelweiss Bond Fund - Direct
Growth Launch Date 1 Jan 13 NAV (31 Oct 25) ₹32.0548 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹2,062 on 31 Aug 25 Category Debt - Dynamic Bond AMC Edelweiss Asset Management Limited Rating Risk Moderate Expense Ratio 0.16 Sharpe Ratio 3.19 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.15% Effective Maturity 6 Months 14 Days Modified Duration 6 Months 14 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,362 31 Oct 22 ₹10,745 31 Oct 23 ₹11,522 31 Oct 24 ₹12,406 31 Oct 25 ₹13,356 Returns for Edelweiss Bond Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 3.4% 1 Year 7.7% 3 Year 7.5% 5 Year 6% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 7.9% Fund Manager information for Edelweiss Bond Fund - Direct
Name Since Tenure Pranavi Kulkarni 23 Nov 21 3.86 Yr. Hetul Raval 1 Jul 24 1.25 Yr. Data below for Edelweiss Bond Fund - Direct as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 83.28% Debt 16.42% Other 0.31% Debt Sector Allocation
Sector Value Corporate 43.22% Cash Equivalent 33.38% Government 23.09% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -4% ₹73 Cr 7,500,000 HDFC Bank Ltd.
Debentures | -4% ₹73 Cr 7,500,000 India (Republic of)
- | -3% ₹53 Cr 5,500,000 364 DTB 19mar2026
Sovereign Bonds | -3% ₹49 Cr 5,000,000 08.27 KA Sdl 2025
Sovereign Bonds | -1% ₹25 Cr 2,500,000 364 Days Tbill Red 12-03-2026
Sovereign Bonds | -1% ₹24 Cr 2,500,000 364 Days Tbill Red 04-06-2026
Sovereign Bonds | -1% ₹24 Cr 2,500,000 SBI CDMDF--A2
Investment Fund | -0% ₹6 Cr 4,861 Bank Of Baroda
Certificate of Deposit | -5% ₹98 Cr 10,000,000 Export-Import Bank Of India
Certificate of Deposit | -5% ₹96 Cr 10,000,000
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।
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Research Highlights for Franklin India Income Builder Account - Plan A - Direct