সুষম তহবিল ইক্যুইটি এবং উভয়ের সংমিশ্রণ হিসাবে কাজ করেঋণ মিউচুয়াল ফান্ড. নির্ধারিত ঋণে-ব্যালেন্সড ফান্ড, এর পোর্টফোলিওর একটি বড় অংশ ঋণে বিনিয়োগ করা হয় এবংঅর্থ বাজার যন্ত্র, যখন ইক্যুইটি যন্ত্রের একটি ছোট অংশ। এই তহবিলগুলির দীর্ঘমেয়াদে ধারাবাহিক আয় প্রদানের ক্ষমতা রয়েছে। পোর্টফোলিওর ইক্যুইটি অংশ ক্রমবর্ধমান ইকুইটি বাজার থেকে উপকৃত হবে। যাইহোক, বিনিয়োগকারীরা যারা সম্ভাব্য সর্বোত্তম রিটার্ন অর্জন করতে চান তাদের সর্বোত্তম পারফর্মিং সুষম ঋণে বিনিয়োগ করার পরামর্শ দেওয়া হয়চুমুক তহবিল, নীচে তালিকাভুক্ত হিসাবে।
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Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity ICICI Prudential MIP 25 Growth ₹77.3945
↑ 0.11 ₹3,359 100 -0.2 2 8 10.1 7.9 7.6% 2Y 2M 16D 4Y 6M 22D Kotak Debt Hybrid Fund Growth ₹58.9882
↑ 0.11 ₹3,108 1,000 -0.6 1 5.1 9.9 5.3 7.44% 7Y 5M 8D 19Y 11D DSP Regular Savings Fund Growth ₹59.7643
↑ 0.13 ₹184 500 0.3 1.5 7.6 9.8 7.2 6.3% 2Y 9M 11D 4Y 10M 2D HDFC Hybrid Debt Fund Growth ₹82.9577
↑ 0.21 ₹3,354 300 -0.3 1 5.6 9.7 5.5 7.1% 6Y 3M 7D 12Y 4M 20D SBI Debt Hybrid Fund Growth ₹73.5764
↑ 0.10 ₹9,851 500 -0.7 1.2 7.1 9.7 6.7 7.48% 3Y 5M 16D 4Y 2M 16D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jan 26 Research Highlights & Commentary of 5 Funds showcased
Commentary ICICI Prudential MIP 25 Kotak Debt Hybrid Fund DSP Regular Savings Fund HDFC Hybrid Debt Fund SBI Debt Hybrid Fund Point 1 Upper mid AUM (₹3,359 Cr). Bottom quartile AUM (₹3,108 Cr). Bottom quartile AUM (₹184 Cr). Lower mid AUM (₹3,354 Cr). Highest AUM (₹9,851 Cr). Point 2 Established history (21+ yrs). Established history (22+ yrs). Established history (21+ yrs). Established history (22+ yrs). Oldest track record among peers (24 yrs). Point 3 Top rated. Rating: 4★ (lower mid). Rating: 3★ (bottom quartile). Rating: 4★ (bottom quartile). Rating: 5★ (upper mid). Point 4 Risk profile: Moderately High. Risk profile: Moderate. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderate. Point 5 5Y return: 8.97% (bottom quartile). 5Y return: 9.19% (lower mid). 5Y return: 8.14% (bottom quartile). 5Y return: 9.56% (top quartile). 5Y return: 9.36% (upper mid). Point 6 3Y return: 10.08% (top quartile). 3Y return: 9.89% (upper mid). 3Y return: 9.80% (lower mid). 3Y return: 9.72% (bottom quartile). 3Y return: 9.72% (bottom quartile). Point 7 1Y return: 8.02% (top quartile). 1Y return: 5.10% (bottom quartile). 1Y return: 7.59% (upper mid). 1Y return: 5.55% (bottom quartile). 1Y return: 7.06% (lower mid). Point 8 1M return: -0.47% (top quartile). 1M return: -0.78% (bottom quartile). 1M return: -0.61% (lower mid). 1M return: -0.50% (upper mid). 1M return: -0.71% (bottom quartile). Point 9 Alpha: 0.00 (upper mid). Alpha: -2.43 (bottom quartile). Alpha: 0.01 (top quartile). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Point 10 Sharpe: 0.57 (top quartile). Sharpe: -0.12 (bottom quartile). Sharpe: 0.33 (upper mid). Sharpe: -0.09 (bottom quartile). Sharpe: 0.16 (lower mid). ICICI Prudential MIP 25
Kotak Debt Hybrid Fund
DSP Regular Savings Fund
HDFC Hybrid Debt Fund
SBI Debt Hybrid Fund
The Scheme seeks to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme. However, there can be no assurance that the investment objectives of the Scheme will be realized. Below is the key information for ICICI Prudential MIP 25 Returns up to 1 year are on (Erstwhile Kotak Monthly Income Plan) To enhance returns over a portfolio of debt instruments with a moderate exposure in equity and equity related instruments. Research Highlights for Kotak Debt Hybrid Fund Below is the key information for Kotak Debt Hybrid Fund Returns up to 1 year are on (Erstwhile DSP BlackRock MIP Fund) The scheme is seeking to generate an attractive return, consistent with prudent risk, from a portfolio which is substantially constituted of quality debt securities. The scheme will also seek to generate capital appreciation by investing a smaller portion of its corpus in equity and equity related securities of the 100 largest corporates by market capitalisation, listed in India. Research Highlights for DSP Regular Savings Fund Below is the key information for DSP Regular Savings Fund Returns up to 1 year are on (Erstwhile HDFC MF Monthly Income Plan - LTP) The primary objective of Scheme is to generate regular returns through investment primarily in Debt and Money Market Instruments. The secondary objective of the Scheme is to generate long-term capital appreciation by investing a portion of the Scheme`s assets in equity and equity related instruments. However, there can be no assurance that the investment objective of the Scheme will be achieved. Research Highlights for HDFC Hybrid Debt Fund Below is the key information for HDFC Hybrid Debt Fund Returns up to 1 year are on (Erstwhile SBI Magnum Monthly Income Plan) To provide regular income, liquidity and attractive returns to the investors
through an actively managed portfolio of debt, equity and money market
instruments. Income may be generated through the receipt of coupon payments,
the amortization of the discount on the debt instruments, receipt of dividends or
purchase and sale of securities in the underlying portfolio. Research Highlights for SBI Debt Hybrid Fund Below is the key information for SBI Debt Hybrid Fund Returns up to 1 year are on 1. ICICI Prudential MIP 25
ICICI Prudential MIP 25
Growth Launch Date 30 Mar 04 NAV (28 Jan 26) ₹77.3945 ↑ 0.11 (0.14 %) Net Assets (Cr) ₹3,359 on 31 Dec 25 Category Hybrid - Hybrid Debt AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.67 Sharpe Ratio 0.57 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,990 31 Dec 22 ₹11,553 31 Dec 23 ₹12,867 31 Dec 24 ₹14,331 31 Dec 25 ₹15,467 Returns for ICICI Prudential MIP 25
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26 Duration Returns 1 Month -0.5% 3 Month -0.2% 6 Month 2% 1 Year 8% 3 Year 10.1% 5 Year 9% 10 Year 15 Year Since launch 9.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.9% 2023 11.4% 2022 11.4% 2021 5.1% 2020 9.9% 2019 10.9% 2018 9.6% 2017 5.1% 2016 12.9% 2015 10.9% Fund Manager information for ICICI Prudential MIP 25
Name Since Tenure Manish Banthia 19 Sep 13 12.29 Yr. Akhil Kakkar 22 Jan 24 1.95 Yr. Roshan Chutkey 2 May 22 3.67 Yr. Sharmila D’mello 31 Jul 22 3.42 Yr. Data below for ICICI Prudential MIP 25 as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 14.8% Equity 24.12% Debt 60.79% Other 0.29% Equity Sector Allocation
Sector Value Financial Services 6.88% Consumer Cyclical 3.17% Health Care 2.24% Technology 2.14% Communication Services 2.05% Real Estate 1.63% Consumer Defensive 1.6% Energy 1.56% Utility 1.1% Industrials 1.05% Basic Materials 0.67% Debt Sector Allocation
Sector Value Corporate 48.28% Government 18.38% Cash Equivalent 8.93% Credit Quality
Rating Value A 7.37% AA 42.78% AAA 49.85% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.9% Govt Stock 2065
Sovereign Bonds | -4% ₹142 Cr 15,000,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹101 Cr 10,000 Manappuram Finance Limited
Debentures | -3% ₹100 Cr 10,000
↑ 10,000 Adani Enterprises Limited
Debentures | -3% ₹99 Cr 10,000 L&T Metro Rail (Hyderabad) Limited
Debentures | -2% ₹80 Cr 800 6.54% Govt Stock 2034
Sovereign Bonds | -2% ₹75 Cr 7,409,560 360 One Prime Limited
Debentures | -2% ₹75 Cr 7,500 7.1% Govt Stock 2034
Sovereign Bonds | -2% ₹75 Cr 7,275,880 Yes Bank Limited
Debentures | -2% ₹65 Cr 650 Godrej Properties Limited
Debentures | -2% ₹51 Cr 5,000 2. Kotak Debt Hybrid Fund
Kotak Debt Hybrid Fund
Growth Launch Date 2 Dec 03 NAV (28 Jan 26) ₹58.9882 ↑ 0.11 (0.19 %) Net Assets (Cr) ₹3,108 on 31 Dec 25 Category Hybrid - Hybrid Debt AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.68 Sharpe Ratio -0.12 Information Ratio 0.56 Alpha Ratio -2.43 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹11,330 31 Dec 22 ₹11,812 31 Dec 23 ₹13,451 31 Dec 24 ₹14,989 31 Dec 25 ₹15,777 Returns for Kotak Debt Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26 Duration Returns 1 Month -0.8% 3 Month -0.6% 6 Month 1% 1 Year 5.1% 3 Year 9.9% 5 Year 9.2% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 5.3% 2023 11.4% 2022 13.9% 2021 4.3% 2020 13.3% 2019 13.9% 2018 11.2% 2017 -0.1% 2016 10.2% 2015 13% Fund Manager information for Kotak Debt Hybrid Fund
Name Since Tenure Abhishek Bisen 1 Apr 08 17.76 Yr. Shibani Kurian 3 Sep 24 1.33 Yr. Data below for Kotak Debt Hybrid Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 10.42% Equity 23.25% Debt 66.04% Other 0.29% Equity Sector Allocation
Sector Value Financial Services 6.73% Consumer Cyclical 3.17% Technology 2.27% Health Care 1.93% Industrials 1.67% Communication Services 1.58% Energy 1.57% Consumer Defensive 1.54% Utility 1.02% Real Estate 0.97% Basic Materials 0.8% Debt Sector Allocation
Sector Value Government 47.23% Corporate 18.82% Cash Equivalent 10.42% Credit Quality
Rating Value A 0.02% AA 18.31% AAA 81.67% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -17% ₹520 Cr 52,168,400
↓ -1,500,000 7.3% Govt Stock 2053
Sovereign Bonds | -6% ₹180 Cr 17,979,980 7.09% Govt Stock 2074
Sovereign Bonds | -5% ₹166 Cr 17,250,000
↑ 1,000,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹103 Cr 10,000 6.9% Govt Stock 2065
Sovereign Bonds | -3% ₹94 Cr 10,000,020 7.09% Govt Stock 2054
Sovereign Bonds | -3% ₹82 Cr 8,351,800
↓ -2,148,200 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -2% ₹75 Cr 75 SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -2% ₹75 Cr 75 Bihar (Government of) 0.069%
- | -2% ₹67 Cr 7,000,000 National Housing Bank
Debentures | -2% ₹59 Cr 6,000 3. DSP Regular Savings Fund
DSP Regular Savings Fund
Growth Launch Date 11 Jun 04 NAV (28 Jan 26) ₹59.7643 ↑ 0.13 (0.21 %) Net Assets (Cr) ₹184 on 31 Dec 25 Category Hybrid - Hybrid Debt AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk Moderately High Expense Ratio 1.12 Sharpe Ratio 0.33 Information Ratio 0.67 Alpha Ratio 0.01 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,780 31 Dec 22 ₹11,158 31 Dec 23 ₹12,496 31 Dec 24 ₹13,865 31 Dec 25 ₹14,867 Returns for DSP Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26 Duration Returns 1 Month -0.6% 3 Month 0.3% 6 Month 1.5% 1 Year 7.6% 3 Year 9.8% 5 Year 8.1% 10 Year 15 Year Since launch 8.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.2% 2023 11% 2022 12% 2021 3.5% 2020 7.8% 2019 9.3% 2018 6.9% 2017 -5.3% 2016 11% 2015 10.7% Fund Manager information for DSP Regular Savings Fund
Name Since Tenure Abhishek Singh 31 May 21 4.59 Yr. Shantanu Godambe 1 Aug 24 1.42 Yr. Data below for DSP Regular Savings Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 15.38% Equity 18.78% Debt 64.72% Other 1.13% Equity Sector Allocation
Sector Value Financial Services 8.87% Health Care 2.44% Consumer Cyclical 1.64% Technology 1.21% Utility 1.1% Consumer Defensive 1.04% Energy 0.87% Basic Materials 0.74% Industrials 0.52% Communication Services 0.35% Debt Sector Allocation
Sector Value Government 60.61% Cash Equivalent 15.38% Corporate 4.1% Credit Quality
Rating Value AA 5.55% AAA 94.45% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.33% Govt Stock 2035
Sovereign Bonds | -13% ₹25 Cr 2,500,000 6.82% Govt Stock 2033
Sovereign Bonds | -11% ₹21 Cr 2,000,000 7.32% Govt Stock 2030
Sovereign Bonds | -11% ₹21 Cr 2,000,000 7.06% Govt Stock 2028
Sovereign Bonds | -6% ₹10 Cr 1,000,000 Muthoot Finance Limited
Debentures | -4% ₹8 Cr 750 National Bank For Agriculture And Rural Development
Debentures | -3% ₹5 Cr 50 7.37% Govt Stock 2028
Sovereign Bonds | -3% ₹5 Cr 500,000 7.1% Govt Stock 2029
Sovereign Bonds | -3% ₹5 Cr 500,000 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹5 Cr 500,000 7.02% Govt Stock 2031
Sovereign Bonds | -3% ₹5 Cr 500,000 4. HDFC Hybrid Debt Fund
HDFC Hybrid Debt Fund
Growth Launch Date 26 Dec 03 NAV (28 Jan 26) ₹82.9577 ↑ 0.21 (0.26 %) Net Assets (Cr) ₹3,354 on 31 Dec 25 Category Hybrid - Hybrid Debt AMC HDFC Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.76 Sharpe Ratio -0.09 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹11,336 31 Dec 22 ₹12,016 31 Dec 23 ₹13,688 31 Dec 24 ₹15,121 31 Dec 25 ₹15,958 Returns for HDFC Hybrid Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26 Duration Returns 1 Month -0.5% 3 Month -0.3% 6 Month 1% 1 Year 5.6% 3 Year 9.7% 5 Year 9.6% 10 Year 15 Year Since launch 10.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 5.5% 2023 10.5% 2022 13.9% 2021 6% 2020 13.4% 2019 10.2% 2018 6.6% 2017 0.6% 2016 10.8% 2015 13% Fund Manager information for HDFC Hybrid Debt Fund
Name Since Tenure Shobhit Mehrotra 1 Sep 07 18.35 Yr. Srinivasan Ramamurthy 14 Dec 21 4.05 Yr. Dhruv Muchhal 22 Jun 23 2.53 Yr. Data below for HDFC Hybrid Debt Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 2.75% Equity 21.1% Debt 75.86% Other 0.29% Equity Sector Allocation
Sector Value Financial Services 8.6% Energy 2.47% Technology 1.98% Health Care 1.8% Industrials 1.62% Utility 1.27% Communication Services 1% Consumer Cyclical 0.94% Real Estate 0.65% Consumer Defensive 0.6% Basic Materials 0.17% Debt Sector Allocation
Sector Value Government 52.28% Corporate 23.58% Cash Equivalent 2.75% Credit Quality
Rating Value AA 4.05% AAA 95.95% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -4% ₹140 Cr 14,000,000 7.09% Govt Stock 2054
Sovereign Bonds | -3% ₹112 Cr 11,500,000 7.23% Govt Stock 2039
Sovereign Bonds | -3% ₹102 Cr 10,000,000 6.54% Govt Stock 2034
Sovereign Bonds | -3% ₹102 Cr 10,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -3% ₹85 Cr 8,500,000 Indian Railway Finance Corporation Limited
Debentures | -2% ₹83 Cr 800 7.18% Govt Stock 2037
Sovereign Bonds | -2% ₹72 Cr 7,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -2% ₹71 Cr 7,000,000 HDFC Bank Ltd (Financial Services)
Equity, Since 15 Dec 21 | HDFCBANK2% ₹69 Cr 700,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | 5321742% ₹67 Cr 500,000 5. SBI Debt Hybrid Fund
SBI Debt Hybrid Fund
Growth Launch Date 9 Apr 01 NAV (28 Jan 26) ₹73.5764 ↑ 0.10 (0.14 %) Net Assets (Cr) ₹9,851 on 31 Dec 25 Category Hybrid - Hybrid Debt AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 1.23 Sharpe Ratio 0.16 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹11,406 31 Dec 22 ₹11,924 31 Dec 23 ₹13,378 31 Dec 24 ₹14,851 31 Dec 25 ₹15,846 Returns for SBI Debt Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26 Duration Returns 1 Month -0.7% 3 Month -0.7% 6 Month 1.2% 1 Year 7.1% 3 Year 9.7% 5 Year 9.4% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.7% 2023 11% 2022 12.2% 2021 4.5% 2020 14.1% 2019 13.5% 2018 8.1% 2017 -0.2% 2016 8.5% 2015 12.5% Fund Manager information for SBI Debt Hybrid Fund
Name Since Tenure Saurabh Pant 1 Jan 22 4 Yr. Mansi Sajeja 30 Jun 21 4.51 Yr. Milind Agrawal 1 Aug 25 0.42 Yr. Data below for SBI Debt Hybrid Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 5.66% Equity 23.47% Debt 70.58% Other 0.29% Equity Sector Allocation
Sector Value Financial Services 6.6% Basic Materials 5.4% Industrials 4.19% Health Care 2.08% Consumer Defensive 1.92% Consumer Cyclical 1.83% Energy 1.47% Debt Sector Allocation
Sector Value Corporate 56.76% Government 13.83% Cash Equivalent 5.66% Credit Quality
Rating Value A 2.57% AA 46.28% AAA 51.15% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.68% Govt Stock 2040
Sovereign Bonds | -4% ₹364 Cr 37,500,000 7.18% Govt Stock 2033
Sovereign Bonds | -3% ₹310 Cr 30,000,000 TATA Power Renewable Energy Limited
Debentures | -3% ₹306 Cr 30,000 Aditya Birla Renewables Limited
Debentures | -3% ₹303 Cr 30,000 Infopark Properties Limited
Debentures | -3% ₹301 Cr 30,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹258 Cr 25,000 Bajaj Finance Limited
Debentures | -3% ₹253 Cr 25,000 LIC Housing Finance Ltd
Debentures | -2% ₹227 Cr 22,500 Asian Paints Ltd (Basic Materials)
Equity, Since 15 Jun 25 | 5008202% ₹206 Cr 744,000 Cholamandalam Investment And Finance Company Limited
Debentures | -2% ₹205 Cr 20,000
Research Highlights for ICICI Prudential MIP 25