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এসআইপি বিনিয়োগ সবচেয়ে সুশৃঙ্খল একবিনিয়োগ অপশন যখনমিউচুয়াল ফান্ডে বিনিয়োগ. তাছাড়া, বিনিয়োগের ন্যূনতম পরিমাণ কচুমুক পারস্পরিক তহবিল INR 500 এর মতো কম। এতে বিনিয়োগ করা যায়শীর্ষ SIP অনেক সুবিধাজনক পরিকল্পনা. সাধারণত, SIP এর জন্য আদর্শইক্যুইটি ফান্ড যেহেতু এটি দীর্ঘমেয়াদে এসআইপি সবচেয়ে বেশি লাভবান হয়, তবে অনেক বিনিয়োগকারী এটি গ্রহণ করতে পছন্দ করেনঋণ তহবিল খুব সুতরাং, এখানে ভারতের কিছু সেরা ঋণ SIP পরিকল্পনা রয়েছে যা ভাল রিটার্ন অফার করে।
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22 - 23 অর্থবছরে বিনিয়োগের জন্য শীর্ষ 10 ডেট মিউচুয়াল ফান্ড SIP পরিকল্পনা
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Credit Risk Fund Growth ₹24.0607
↓ -0.01 ₹1,092 100 4.5 6.7 16.6 11.8 13.4 7.96% 2Y 4M 28D 3Y 2M 23D Aditya Birla Sun Life Medium Term Plan Growth ₹41.884
↓ 0.00 ₹2,905 1,000 2.4 4.2 12.1 9.9 10.9 7.78% 3Y 4M 24D 4Y 6M 7D Sundaram Low Duration Fund Growth ₹28.8391
↑ 0.01 ₹550 1,000 1 10.2 11.8 5 4.19% 5M 18D 8M 1D ICICI Prudential Regular Savings Fund Growth ₹33.2223
↓ -0.01 ₹5,920 100 1.4 3.6 9 8.3 9.5 8.28% 1Y 10M 24D 2Y 11M 19D Franklin India Corporate Debt Fund Growth ₹102.675
↑ 0.02 ₹1,338 500 0.8 2.1 8.6 7.6 9.1 7.12% 2Y 5M 23D 5Y 10M 10D Nippon India Credit Risk Fund Growth ₹36.3002
↑ 0.00 ₹1,016 100 1 2.7 8.4 8.2 8.9 6.91% 8M 19D 9M 7D Kotak Credit Risk Fund Growth ₹30.5948
↓ -0.01 ₹707 1,000 0.8 3.1 8.4 7.4 9.1 7.8% 1Y 9M 11D 2Y 1M 13D ICICI Prudential Medium Term Bond Fund Growth ₹46.523
↓ -0.02 ₹5,708 1,000 1 2.9 8.3 7.8 9 7.92% 3Y 2M 5D 5Y 10M 10D Kotak Medium Term Fund Growth ₹23.5795
↓ -0.01 ₹2,015 1,000 0.8 2.9 8.1 7.8 8.9 7.89% 3Y 2M 23D 4Y 8M 8D IIFL Dynamic Bond Fund Growth ₹23.3031
↓ 0.00 ₹618 1,000 0.6 1.8 7.8 8.1 8.5 7.28% 4Y 8M 6D 6Y 7M 11D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 21 Jan 26 Research Highlights & Commentary of 10 Funds showcased
Commentary Aditya Birla Sun Life Credit Risk Fund Aditya Birla Sun Life Medium Term Plan Sundaram Low Duration Fund ICICI Prudential Regular Savings Fund Franklin India Corporate Debt Fund Nippon India Credit Risk Fund Kotak Credit Risk Fund ICICI Prudential Medium Term Bond Fund Kotak Medium Term Fund IIFL Dynamic Bond Fund Point 1 Lower mid AUM (₹1,092 Cr). Upper mid AUM (₹2,905 Cr). Bottom quartile AUM (₹550 Cr). Highest AUM (₹5,920 Cr). Upper mid AUM (₹1,338 Cr). Lower mid AUM (₹1,016 Cr). Bottom quartile AUM (₹707 Cr). Top quartile AUM (₹5,708 Cr). Upper mid AUM (₹2,015 Cr). Bottom quartile AUM (₹618 Cr). Point 2 Established history (10+ yrs). Established history (16+ yrs). Established history (18+ yrs). Established history (15+ yrs). Oldest track record among peers (28 yrs). Established history (20+ yrs). Established history (15+ yrs). Established history (21+ yrs). Established history (11+ yrs). Established history (12+ yrs). Point 3 Not Rated. Top rated. Rating: 2★ (upper mid). Rating: 1★ (bottom quartile). Rating: 2★ (upper mid). Rating: 2★ (lower mid). Rating: 3★ (top quartile). Rating: 2★ (lower mid). Rating: 3★ (upper mid). Not Rated. Point 4 Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Point 5 1Y return: 16.58% (top quartile). 1Y return: 12.14% (top quartile). 1Y return: 11.79% (upper mid). 1Y return: 8.98% (upper mid). 1Y return: 8.55% (upper mid). 1Y return: 8.43% (lower mid). 1Y return: 8.40% (lower mid). 1Y return: 8.28% (bottom quartile). 1Y return: 8.13% (bottom quartile). 1Y return: 7.81% (bottom quartile). Point 6 1M return: 3.53% (top quartile). 1M return: 1.84% (top quartile). 1M return: 0.28% (upper mid). 1M return: 0.35% (upper mid). 1M return: 0.14% (bottom quartile). 1M return: 0.22% (lower mid). 1M return: 0.19% (lower mid). 1M return: 0.17% (bottom quartile). 1M return: 0.08% (bottom quartile). 1M return: 0.23% (upper mid). Point 7 Sharpe: 2.08 (upper mid). Sharpe: 2.01 (lower mid). Sharpe: 0.99 (bottom quartile). Sharpe: 3.32 (top quartile). Sharpe: 1.29 (bottom quartile). Sharpe: 2.73 (top quartile). Sharpe: 2.21 (upper mid). Sharpe: 2.06 (upper mid). Sharpe: 1.71 (lower mid). Sharpe: 0.94 (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): 7.96% (top quartile). Yield to maturity (debt): 7.78% (lower mid). Yield to maturity (debt): 4.19% (bottom quartile). Yield to maturity (debt): 8.28% (top quartile). Yield to maturity (debt): 7.12% (bottom quartile). Yield to maturity (debt): 6.91% (bottom quartile). Yield to maturity (debt): 7.80% (upper mid). Yield to maturity (debt): 7.92% (upper mid). Yield to maturity (debt): 7.89% (upper mid). Yield to maturity (debt): 7.28% (lower mid). Point 10 Modified duration: 2.41 yrs (upper mid). Modified duration: 3.40 yrs (bottom quartile). Modified duration: 0.47 yrs (top quartile). Modified duration: 1.90 yrs (upper mid). Modified duration: 2.48 yrs (lower mid). Modified duration: 0.72 yrs (top quartile). Modified duration: 1.78 yrs (upper mid). Modified duration: 3.18 yrs (lower mid). Modified duration: 3.23 yrs (bottom quartile). Modified duration: 4.68 yrs (bottom quartile). Aditya Birla Sun Life Credit Risk Fund
Aditya Birla Sun Life Medium Term Plan
Sundaram Low Duration Fund
ICICI Prudential Regular Savings Fund
Franklin India Corporate Debt Fund
Nippon India Credit Risk Fund
Kotak Credit Risk Fund
ICICI Prudential Medium Term Bond Fund
Kotak Medium Term Fund
IIFL Dynamic Bond Fund
* তহবিল থাকার উল্লেখ করা হয়েছেতহবিলের আকার (AUM) 500 কোটির উপরে.
(Erstwhile Aditya Birla Sun Life Corporate Bond Fund) The investment objective of the Scheme is to generate returns by predominantly investing in a portfolio of corporate debt securities with short to medium term maturities across the credit spectrum within the investment grade. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes’ objectives will be achieved. Below is the key information for Aditya Birla Sun Life Credit Risk Fund Returns up to 1 year are on The primary investment objective of the Scheme is to generate regular income through investments in debt & money market instruments in order to make regular dividend payments to unit holders & secondary objective is growth of capital. Research Highlights for Aditya Birla Sun Life Medium Term Plan Below is the key information for Aditya Birla Sun Life Medium Term Plan Returns up to 1 year are on (Erstwhile Sundaram Ultra Short Term Fund) To provide a level of income consistent with liquidity
through investments made primarily in money market and
debt securities. Research Highlights for Sundaram Low Duration Fund Below is the key information for Sundaram Low Duration Fund Returns up to 1 year are on The fund’s objective is to provide reasonable returns, by maintaining an optimum balance of safety, liquidity and yield, through investments in a basket of debt and money market instruments with a view to delivering consistent performance. However, there can be no assurance that the investment objective of the Scheme will be realized. Research Highlights for ICICI Prudential Regular Savings Fund Below is the key information for ICICI Prudential Regular Savings Fund Returns up to 1 year are on (Erstwhile Franklin India Income Builder Account - Plan A) The investment objective of the Scheme is primarily to provide investors Regular income under the Dividend Plan and Capital appreciation under the Growth Plan. Research Highlights for Franklin India Corporate Debt Fund Below is the key information for Franklin India Corporate Debt Fund Returns up to 1 year are on (Erstwhile Reliance Regular Savings Fund - Debt Plan) The primary investment objective of this option is to generate optimal returns consistent with moderate level of risk. This income may be complemented by capital appreciation of the portfolio. Accordingly investments shall predominantly be made in Debt & Money Market Instruments. Research Highlights for Nippon India Credit Risk Fund Below is the key information for Nippon India Credit Risk Fund Returns up to 1 year are on (Erstwhile Kotak Income Opportunities Fund) The investment objective of the scheme is to generate income by investing in debt/ and money market securities across the yield curve and credit spectrum. The scheme will also seek to maintain reasonable liquidity within the fund. Research Highlights for Kotak Credit Risk Fund Below is the key information for Kotak Credit Risk Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Corporate Bond Fund) To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximizing income while maintaining the optimum balance of yield, safety and liquidity. Research Highlights for ICICI Prudential Medium Term Bond Fund Below is the key information for ICICI Prudential Medium Term Bond Fund Returns up to 1 year are on The investment objective of the scheme is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments. There is no assurance or guarantee that the investment objective of the scheme will be achieved Research Highlights for Kotak Medium Term Fund Below is the key information for Kotak Medium Term Fund Returns up to 1 year are on The investment objective of the scheme is to generate income and long term gains by investing in a range of debt and money market instruments of various maturities. The scheme will seek to flexibly manage its investment across the maturity spectrum with a view to optimize the risk return proposition for the investors. Research Highlights for IIFL Dynamic Bond Fund Below is the key information for IIFL Dynamic Bond Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Credit Risk Fund
Aditya Birla Sun Life Credit Risk Fund
Growth Launch Date 17 Apr 15 NAV (21 Jan 26) ₹24.0607 ↓ -0.01 (-0.03 %) Net Assets (Cr) ₹1,092 on 31 Dec 25 Category Debt - Credit Risk AMC Birla Sun Life Asset Management Co Ltd Rating Risk Moderate Expense Ratio 1.54 Sharpe Ratio 2.08 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 100 Exit Load 0-365 Days (1%),365 Days and above(NIL) Yield to Maturity 7.96% Effective Maturity 3 Years 2 Months 23 Days Modified Duration 2 Years 4 Months 28 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,636 31 Dec 22 ₹11,391 31 Dec 23 ₹12,176 31 Dec 24 ₹13,627 31 Dec 25 ₹15,457 Returns for Aditya Birla Sun Life Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month 3.5% 3 Month 4.5% 6 Month 6.7% 1 Year 16.6% 3 Year 11.8% 5 Year 9.7% 10 Year 15 Year Since launch 8.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 13.4% 2023 11.9% 2022 6.9% 2021 7.1% 2020 6.4% 2019 9.4% 2018 2.1% 2017 6.6% 2016 8.1% 2015 10.3% Fund Manager information for Aditya Birla Sun Life Credit Risk Fund
Name Since Tenure Sunaina Cunha 17 Apr 15 10.72 Yr. Mohit Sharma 6 Aug 20 5.41 Yr. Data below for Aditya Birla Sun Life Credit Risk Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 6.5% Equity 7.41% Debt 85.77% Other 0.32% Debt Sector Allocation
Sector Value Corporate 62.69% Government 23.08% Cash Equivalent 6.5% Credit Quality
Rating Value A 14.57% AA 54.68% AAA 30.75% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -6% ₹61 Cr 6,000,000
↓ -1,500,000 Aditya Birla Real Estate Limited
Debentures | -4% ₹45 Cr 4,500 National Bank For Agriculture And Rural Development
Debentures | -4% ₹41 Cr 4,000 GMR Airports Limited
Debentures | -3% ₹38 Cr 3,700 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹36 Cr 3,500,000 7.18% Govt Stock 2037
Sovereign Bonds | -3% ₹36 Cr 3,500,000 IKF Finance Limited
Debentures | -3% ₹35 Cr 3,500 Hinduja Leyland Finance Limited
Debentures | -3% ₹35 Cr 3,500 Jubilant Bevco Limited
Debentures | -3% ₹32 Cr 3,000 Kogta Financial (India) Limited
Debentures | -3% ₹32 Cr 3,250 2. Aditya Birla Sun Life Medium Term Plan
Aditya Birla Sun Life Medium Term Plan
Growth Launch Date 25 Mar 09 NAV (21 Jan 26) ₹41.884 ↓ 0.00 (-0.01 %) Net Assets (Cr) ₹2,905 on 31 Dec 25 Category Debt - Medium term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.57 Sharpe Ratio 2.01 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load 0-365 Days (1%),365 Days and above(NIL) Yield to Maturity 7.78% Effective Maturity 4 Years 6 Months 7 Days Modified Duration 3 Years 4 Months 24 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,710 31 Dec 22 ₹13,367 31 Dec 23 ₹14,292 31 Dec 24 ₹15,787 31 Dec 25 ₹17,510 Returns for Aditya Birla Sun Life Medium Term Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month 1.8% 3 Month 2.4% 6 Month 4.2% 1 Year 12.1% 3 Year 9.9% 5 Year 12.1% 10 Year 15 Year Since launch 8.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 10.9% 2023 10.5% 2022 6.9% 2021 24.8% 2020 7.1% 2019 8.1% 2018 -4.4% 2017 5.6% 2016 7% 2015 10.9% Fund Manager information for Aditya Birla Sun Life Medium Term Plan
Name Since Tenure Sunaina Cunha 1 Sep 14 11.34 Yr. Mohit Sharma 6 Aug 20 5.41 Yr. Data below for Aditya Birla Sun Life Medium Term Plan as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 4.85% Equity 4.1% Debt 90.79% Other 0.25% Debt Sector Allocation
Sector Value Corporate 56.52% Government 34.28% Cash Equivalent 4.85% Credit Quality
Rating Value A 10.07% AA 38.92% AAA 51.02% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -10% ₹283 Cr 28,000,000
↓ -5,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -8% ₹244 Cr 23,696,700 7.18% Govt Stock 2033
Sovereign Bonds | -7% ₹191 Cr 18,500,000 Hinduja Leyland Finance Limited
Debentures | -4% ₹109 Cr 11,000
↑ 2,500 Nuvama Wealth Finance Limited
Debentures | -3% ₹96 Cr 9,500 GMR Airports Limited
Debentures | -3% ₹81 Cr 8,000 Jubilant Bevco Limited
Debentures | -3% ₹79 Cr 7,400 Jtpm Metal TRaders Limited
Debentures | -3% ₹79 Cr 7,673 Indian Railway Finance Corporation Limited
Debentures | -3% ₹75 Cr 7,500 Kogta Financial (India) Limited
Debentures | -2% ₹72 Cr 7,250 3. Sundaram Low Duration Fund
Sundaram Low Duration Fund
Growth Launch Date 23 Apr 07 NAV (31 Dec 21) ₹28.8391 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹550 on 30 Nov 21 Category Debt - Low Duration AMC Sundaram Asset Management Company Ltd Rating ☆☆ Risk Moderately Low Expense Ratio 0.86 Sharpe Ratio 0.99 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 4.19% Effective Maturity 8 Months 1 Day Modified Duration 5 Months 18 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 Returns for Sundaram Low Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month 0.3% 3 Month 1% 6 Month 10.2% 1 Year 11.8% 3 Year 5% 5 Year 5.7% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Fund Manager information for Sundaram Low Duration Fund
Name Since Tenure Data below for Sundaram Low Duration Fund as on 30 Nov 21
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 4. ICICI Prudential Regular Savings Fund
ICICI Prudential Regular Savings Fund
Growth Launch Date 3 Dec 10 NAV (21 Jan 26) ₹33.2223 ↓ -0.01 (-0.02 %) Net Assets (Cr) ₹5,920 on 31 Dec 25 Category Debt - Credit Risk AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 1.43 Sharpe Ratio 3.32 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Yield to Maturity 8.28% Effective Maturity 2 Years 11 Months 19 Days Modified Duration 1 Year 10 Months 24 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,623 31 Dec 22 ₹11,160 31 Dec 23 ₹11,968 31 Dec 24 ₹12,981 31 Dec 25 ₹14,218 Returns for ICICI Prudential Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month 0.3% 3 Month 1.4% 6 Month 3.6% 1 Year 9% 3 Year 8.3% 5 Year 7.3% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 9.5% 2023 8.5% 2022 7.2% 2021 5.1% 2020 6.2% 2019 9.8% 2018 9.5% 2017 6.6% 2016 6.8% 2015 9.5% Fund Manager information for ICICI Prudential Regular Savings Fund
Name Since Tenure Manish Banthia 7 Nov 16 9.16 Yr. Akhil Kakkar 22 Jan 24 1.94 Yr. Data below for ICICI Prudential Regular Savings Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 14.57% Equity 9.55% Debt 75.5% Other 0.38% Debt Sector Allocation
Sector Value Corporate 69.43% Cash Equivalent 13.75% Government 6.89% Credit Quality
Rating Value A 21.46% AA 57.58% AAA 20.96% Top Securities Holdings / Portfolio
Name Holding Value Quantity Embassy Office Parks REIT (Real Estate)
-, Since 30 Apr 25 | EMBASSY4% ₹252 Cr 5,791,885 Keystone Realtors Limited
Debentures | -4% ₹235 Cr 23,500 Millennia Realtors Private Limited
Debentures | -4% ₹211 Cr 2,100 Vedanta Limited
Debentures | -3% ₹201 Cr 20,000 Adani Enterprises Limited
Debentures | -3% ₹199 Cr 20,000 Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -3% ₹187 Cr 18,500 Jtpm Metal TRaders Limited
Debentures | -3% ₹186 Cr 18,000 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹175 Cr 17,017,530 Varroc Engineering Limited
Debentures | -3% ₹172 Cr 25,000 Nirma Limited
Debentures | -3% ₹151 Cr 15,000 5. Franklin India Corporate Debt Fund
Franklin India Corporate Debt Fund
Growth Launch Date 23 Jun 97 NAV (21 Jan 26) ₹102.675 ↑ 0.02 (0.02 %) Net Assets (Cr) ₹1,338 on 31 Dec 25 Category Debt - Corporate Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆ Risk Moderate Expense Ratio 0.79 Sharpe Ratio 1.29 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 5 Years 10 Months 10 Days Modified Duration 2 Years 5 Months 23 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,378 31 Dec 22 ₹10,707 31 Dec 23 ₹11,408 31 Dec 24 ₹12,278 31 Dec 25 ₹13,392 Returns for Franklin India Corporate Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month 0.1% 3 Month 0.8% 6 Month 2.1% 1 Year 8.6% 3 Year 7.6% 5 Year 6% 10 Year 15 Year Since launch 8.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 9.1% 2023 7.6% 2022 6.5% 2021 3.2% 2020 3.8% 2019 9% 2018 9.2% 2017 7.5% 2016 7.7% 2015 9% Fund Manager information for Franklin India Corporate Debt Fund
Name Since Tenure Rahul Goswami 6 Oct 23 2.24 Yr. Anuj Tagra 7 Mar 24 1.82 Yr. Chandni Gupta 7 Mar 24 1.82 Yr. Data below for Franklin India Corporate Debt Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Debt 109.34% Other 0.23% Debt Sector Allocation
Sector Value Corporate 60.65% Government 48.69% Credit Quality
Rating Value AA 6.82% AAA 93.18% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.9% Govt Stock 2065
Sovereign Bonds | -6% ₹87 Cr 9,029,500
↓ -500,000 Poonawalla Fincorp Limited
Debentures | -6% ₹81 Cr 8,000 National Bank For Agriculture And Rural Development
Debentures | -6% ₹78 Cr 7,500 RJ Corp Limited
Debentures | -4% ₹55 Cr 5,467 Sikka Ports & Terminals Limited
Debentures | -4% ₹52 Cr 500 Summit Digitel Infrastructure Limited
Debentures | -4% ₹52 Cr 5,000 Rec Limited
Debentures | -4% ₹51 Cr 9,000 Small Industries Development Bank Of India
Debentures | -4% ₹50 Cr 500 Embassy Office Parks Reit
Debentures | -4% ₹50 Cr 5,000 Jubilant Beverages Limited
Debentures | -3% ₹46 Cr 4,269 6. Nippon India Credit Risk Fund
Nippon India Credit Risk Fund
Growth Launch Date 8 Jun 05 NAV (21 Jan 26) ₹36.3002 ↑ 0.00 (0.00 %) Net Assets (Cr) ₹1,016 on 31 Dec 25 Category Debt - Credit Risk AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderate Expense Ratio 1.46 Sharpe Ratio 2.73 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 100 Exit Load 0-12 Months (1%),12 Months and above(NIL) Yield to Maturity 6.91% Effective Maturity 9 Months 7 Days Modified Duration 8 Months 19 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹11,350 31 Dec 22 ₹11,790 31 Dec 23 ₹12,725 31 Dec 24 ₹13,778 31 Dec 25 ₹15,010 Returns for Nippon India Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month 0.2% 3 Month 1% 6 Month 2.7% 1 Year 8.4% 3 Year 8.2% 5 Year 8.4% 10 Year 15 Year Since launch 6.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.9% 2023 8.3% 2022 7.9% 2021 3.9% 2020 13.5% 2019 -5.9% 2018 1.9% 2017 6.1% 2016 7% 2015 10% Fund Manager information for Nippon India Credit Risk Fund
Name Since Tenure Kinjal Desai 25 May 18 7.61 Yr. Sushil Budhia 1 Feb 20 5.92 Yr. Lokesh Maru 5 Sep 25 0.32 Yr. Divya Sharma 5 Sep 25 0.32 Yr. Data below for Nippon India Credit Risk Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 3.85% Debt 95.86% Other 0.29% Debt Sector Allocation
Sector Value Corporate 77.46% Government 18.4% Cash Equivalent 3.85% Credit Quality
Rating Value A 29.3% AA 37.99% AAA 32.71% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.02% Govt Stock 2031
Sovereign Bonds | -8% ₹77 Cr 7,500,000 Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -5% ₹47 Cr 5,000 TRuhome Finance Limited
Debentures | -4% ₹41 Cr 4,000 Gaursons India Pvt Ltd. 10.96%
Debentures | -4% ₹40 Cr 4,000
↑ 4,000 Navi Finserv Limited
Debentures | -4% ₹39 Cr 40,000
↑ 40,000 The Sandur Manganese And Iron Ores Limited
Debentures | -4% ₹38 Cr 4,000 Mancherial Repallewada Road Private Limited
Debentures | -4% ₹36 Cr 4,500 Delhi International Airport Limited
Debentures | -4% ₹36 Cr 3,500 Vedanta Limited
Debentures | -3% ₹35 Cr 3,500 Renserv Global Private Limited
Debentures | -3% ₹35 Cr 3,500 7. Kotak Credit Risk Fund
Kotak Credit Risk Fund
Growth Launch Date 11 May 10 NAV (21 Jan 26) ₹30.5948 ↓ -0.01 (-0.02 %) Net Assets (Cr) ₹707 on 31 Dec 25 Category Debt - Credit Risk AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 1.71 Sharpe Ratio 2.21 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) Yield to Maturity 7.8% Effective Maturity 2 Years 1 Month 13 Days Modified Duration 1 Year 9 Months 11 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,530 31 Dec 22 ₹10,625 31 Dec 23 ₹11,308 31 Dec 24 ₹12,113 31 Dec 25 ₹13,216 Returns for Kotak Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month 0.2% 3 Month 0.8% 6 Month 3.1% 1 Year 8.4% 3 Year 7.4% 5 Year 5.7% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 9.1% 2023 7.1% 2022 6.4% 2021 0.9% 2020 5.3% 2019 6.6% 2018 9% 2017 6.2% 2016 6.6% 2015 10.4% Fund Manager information for Kotak Credit Risk Fund
Name Since Tenure Deepak Agrawal 11 May 10 15.65 Yr. Vihag Mishra 24 Oct 25 0.19 Yr. Data below for Kotak Credit Risk Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 10.28% Equity 9.59% Debt 79.55% Other 0.58% Debt Sector Allocation
Sector Value Corporate 70.02% Cash Equivalent 10.28% Government 9.53% Credit Quality
Rating Value A 12.57% AA 62.94% AAA 24.49% Top Securities Holdings / Portfolio
Name Holding Value Quantity Jubilant Bevco Limited
Debentures | -8% ₹54 Cr 500 Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -7% ₹51 Cr 5,000 Vedanta Limited
Debentures | -7% ₹50 Cr 5,000 TATA Projects Limited
Debentures | -7% ₹50 Cr 5,000 Rec Limited
Debentures | -7% ₹50 Cr 5,000 Aditya Birla Real Estate Limited
Debentures | -6% ₹46 Cr 4,500 7.18% Govt Stock 2033
Sovereign Bonds | -6% ₹41 Cr 3,965,000 Aditya Birla Renewables Limited
Debentures | -6% ₹40 Cr 4,000 Au Small Finance Bank Limited
Debentures | -4% ₹30 Cr 30 Embassy Office Parks REIT (Real Estate)
-, Since 30 Apr 25 | EMBASSY4% ₹28 Cr 636,630 8. ICICI Prudential Medium Term Bond Fund
ICICI Prudential Medium Term Bond Fund
Growth Launch Date 15 Sep 04 NAV (21 Jan 26) ₹46.523 ↓ -0.02 (-0.04 %) Net Assets (Cr) ₹5,708 on 31 Dec 25 Category Debt - Medium term Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk Moderate Expense Ratio 1.37 Sharpe Ratio 2.06 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) Yield to Maturity 7.92% Effective Maturity 5 Years 10 Months 10 Days Modified Duration 3 Years 2 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,551 31 Dec 22 ₹10,992 31 Dec 23 ₹11,764 31 Dec 24 ₹12,708 31 Dec 25 ₹13,849 Returns for ICICI Prudential Medium Term Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month 0.2% 3 Month 1% 6 Month 2.9% 1 Year 8.3% 3 Year 7.8% 5 Year 6.7% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 9% 2023 8% 2022 7% 2021 4.2% 2020 5.5% 2019 10.4% 2018 9.2% 2017 5.1% 2016 6.5% 2015 10.2% Fund Manager information for ICICI Prudential Medium Term Bond Fund
Name Since Tenure Manish Banthia 7 Nov 16 9.16 Yr. Akhil Kakkar 22 Jan 24 1.95 Yr. Data below for ICICI Prudential Medium Term Bond Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 11.12% Equity 8.96% Debt 79.59% Other 0.33% Debt Sector Allocation
Sector Value Corporate 66.91% Government 13.11% Cash Equivalent 10.69% Credit Quality
Rating Value AA 62.55% AAA 37.45% Top Securities Holdings / Portfolio
Name Holding Value Quantity Embassy Office Parks REIT (Real Estate)
-, Since 30 Apr 25 | EMBASSY4% ₹207 Cr 4,765,556 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹192 Cr 18,708,200 7.34% Govt Stock 2064
Sovereign Bonds | -3% ₹187 Cr 18,801,500 Adani Enterprises Limited
Debentures | -3% ₹174 Cr 17,500 Vedanta Limited
Debentures | -3% ₹171 Cr 17,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹155 Cr 15,000 Oberoi Realty Limited
Debentures | -3% ₹152 Cr 15,000 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -3% ₹151 Cr 150 TATA Projects Limited
Debentures | -3% ₹151 Cr 15,000 Godrej Properties Limited
Debentures | -2% ₹127 Cr 12,500 9. Kotak Medium Term Fund
Kotak Medium Term Fund
Growth Launch Date 25 Mar 14 NAV (21 Jan 26) ₹23.5795 ↓ -0.01 (-0.06 %) Net Assets (Cr) ₹2,015 on 31 Dec 25 Category Debt - Medium term Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.63 Sharpe Ratio 1.71 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-18 Months (2%),18 Months and above(NIL) Yield to Maturity 7.89% Effective Maturity 4 Years 8 Months 8 Days Modified Duration 3 Years 2 Months 23 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,466 31 Dec 22 ₹10,798 31 Dec 23 ₹11,458 31 Dec 24 ₹12,491 31 Dec 25 ₹13,601 Returns for Kotak Medium Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month 0.1% 3 Month 0.8% 6 Month 2.9% 1 Year 8.1% 3 Year 7.8% 5 Year 6.3% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.9% 2023 9% 2022 6.1% 2021 3.2% 2020 4.7% 2019 8.5% 2018 7% 2017 5.4% 2016 6.6% 2015 10.9% Fund Manager information for Kotak Medium Term Fund
Name Since Tenure Deepak Agrawal 25 Mar 14 11.78 Yr. Vihag Mishra 1 Jun 25 0.59 Yr. Data below for Kotak Medium Term Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 2.24% Equity 9.45% Debt 88.03% Other 0.28% Debt Sector Allocation
Sector Value Corporate 73.08% Government 14.6% Cash Equivalent 2.59% Credit Quality
Rating Value A 7.93% AA 44.44% AAA 47.64% Top Securities Holdings / Portfolio
Name Holding Value Quantity Jtpm Metal TRaders Limited
Debentures | -5% ₹103 Cr 10,000 L&T Metro Rail (Hyderabad) Limited
Debentures | -5% ₹99 Cr 10,000 Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -5% ₹91 Cr 9,000 Embassy Office Parks REIT (Real Estate)
-, Since 31 May 21 | EMBASSY4% ₹87 Cr 1,998,346 TATA Steel Limited
Debentures | -4% ₹76 Cr 750 Pipeline Infrastructure Limited
Debentures | -3% ₹65 Cr 6,280 Aditya Birla Renewables Limited
Debentures | -3% ₹61 Cr 6,000 Aditya Birla Real Estate Limited
Debentures | -3% ₹56 Cr 5,500 7.09% Govt Stock 2054
Sovereign Bonds | -3% ₹54 Cr 5,500,000 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹51 Cr 5,000,000 10. IIFL Dynamic Bond Fund
IIFL Dynamic Bond Fund
Growth Launch Date 24 Jun 13 NAV (21 Jan 26) ₹23.3031 ↓ 0.00 (-0.02 %) Net Assets (Cr) ₹618 on 31 Dec 25 Category Debt - Dynamic Bond AMC IIFL Asset Management Limited Rating Risk Moderate Expense Ratio 0.52 Sharpe Ratio 0.94 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 1,000 Exit Load 0-18 Months (1%),18 Months and above(NIL) Yield to Maturity 7.28% Effective Maturity 6 Years 7 Months 11 Days Modified Duration 4 Years 8 Months 6 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,561 31 Dec 22 ₹10,936 31 Dec 23 ₹11,678 31 Dec 24 ₹12,793 31 Dec 25 ₹13,876 Returns for IIFL Dynamic Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jan 26 Duration Returns 1 Month 0.2% 3 Month 0.6% 6 Month 1.8% 1 Year 7.8% 3 Year 8.1% 5 Year 6.8% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.5% 2023 9.6% 2022 6.8% 2021 3.6% 2020 5.6% 2019 8.2% 2018 7.8% 2017 5.2% 2016 7.4% 2015 7.8% Fund Manager information for IIFL Dynamic Bond Fund
Name Since Tenure Milan Mody 2 Mar 21 4.84 Yr. Ashish Ongari 29 Aug 25 0.34 Yr. Viral Mehta 6 Oct 25 0.24 Yr. Data below for IIFL Dynamic Bond Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 3% Equity 10.01% Debt 86.62% Other 0.36% Debt Sector Allocation
Sector Value Government 47.55% Corporate 39.08% Cash Equivalent 3% Credit Quality
Rating Value AA 18.69% AAA 81.31% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.26% Govt Stock 2032
Sovereign Bonds | -11% ₹67 Cr 6,500,000 7.18% Govt Stock 2037
Sovereign Bonds | -7% ₹41 Cr 4,000,000 Embassy Office Parks REIT (Real Estate)
-, Since 30 Apr 25 | EMBASSY5% ₹32 Cr 725,865 7.41% Govt Stock 2036
Sovereign Bonds | -5% ₹31 Cr 3,000,000 Jamnagar Utilities & Power Private Limited
Debentures | -5% ₹30 Cr 3,000,000 LIC Housing Finance Ltd
Debentures | -4% ₹26 Cr 2,500,000 7.23% Govt Stock 2039
Sovereign Bonds | -4% ₹26 Cr 2,500,000 HDFC Bank Limited
Debentures | -4% ₹26 Cr 2,500,000 Embassy Office Parks Reit
Debentures | -4% ₹25 Cr 2,500,000 Pnb Housing Finance Limited
Debentures | -4% ₹25 Cr 2,500,000
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Research Highlights for Aditya Birla Sun Life Credit Risk Fund