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 ₹76.1468
↑ 0.14 ₹3,237 100 1.5 6.9 6.4 10 11.4 7.23% 2Y 1M 17D 4Y 3M 4D HDFC Hybrid Debt Fund Growth ₹81.2062
↑ 0.10 ₹3,388 300 -1.6 4.4 2.5 9.9 10.5 6.91% 5Y 11M 1D 11Y 6M 22D SBI Debt Hybrid Fund Growth ₹72.6603
↑ 0.15 ₹9,799 500 0.7 6.6 4.6 9.8 11 7.24% 3Y 10M 20D 5Y 5M 19D DSP Regular Savings Fund Growth ₹58.5919
↑ 0.09 ₹178 500 0 5.5 5.8 9.7 11 6.08% 3Y 18D 5Y 3M 7D Kotak Debt Hybrid Fund Growth ₹57.6503
↑ 0.10 ₹3,130 1,000 -1.7 4.6 2 9.6 11.4 7.08% 8Y 6M 21Y 7M 28D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Sep 25 Research Highlights & Commentary of 5 Funds showcased
Commentary ICICI Prudential MIP 25 HDFC Hybrid Debt Fund SBI Debt Hybrid Fund DSP Regular Savings Fund Kotak Debt Hybrid Fund Point 1 Lower mid AUM (₹3,237 Cr). Upper mid AUM (₹3,388 Cr). Highest AUM (₹9,799 Cr). Bottom quartile AUM (₹178 Cr). Bottom quartile AUM (₹3,130 Cr). Point 2 Established history (21+ yrs). Established history (21+ yrs). Oldest track record among peers (24 yrs). Established history (21+ yrs). Established history (21+ yrs). Point 3 Top rated. Rating: 4★ (lower mid). Rating: 5★ (upper mid). Rating: 3★ (bottom quartile). Rating: 4★ (bottom quartile). Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderate. Risk profile: Moderately High. Risk profile: Moderate. Point 5 5Y return: 9.85% (bottom quartile). 5Y return: 10.81% (upper mid). 5Y return: 11.00% (top quartile). 5Y return: 8.99% (bottom quartile). 5Y return: 10.48% (lower mid). Point 6 3Y return: 10.01% (top quartile). 3Y return: 9.88% (upper mid). 3Y return: 9.84% (lower mid). 3Y return: 9.67% (bottom quartile). 3Y return: 9.59% (bottom quartile). Point 7 1Y return: 6.40% (top quartile). 1Y return: 2.52% (bottom quartile). 1Y return: 4.63% (lower mid). 1Y return: 5.83% (upper mid). 1Y return: 1.96% (bottom quartile). Point 8 1M return: 0.46% (top quartile). 1M return: -0.98% (bottom quartile). 1M return: 0.07% (upper mid). 1M return: -0.34% (lower mid). 1M return: -1.16% (bottom quartile). Point 9 Alpha: 0.00 (top quartile). Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Alpha: -0.12 (bottom quartile). Alpha: -2.38 (bottom quartile). Point 10 Sharpe: 0.25 (top quartile). Sharpe: -0.43 (bottom quartile). Sharpe: -0.23 (lower mid). Sharpe: 0.15 (upper mid). Sharpe: -0.24 (bottom quartile). ICICI Prudential MIP 25
HDFC Hybrid Debt Fund
SBI Debt Hybrid Fund
DSP Regular Savings Fund
Kotak 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 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 (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 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 1. ICICI Prudential MIP 25
ICICI Prudential MIP 25
Growth Launch Date 30 Mar 04 NAV (01 Sep 25) ₹76.1468 ↑ 0.14 (0.19 %) Net Assets (Cr) ₹3,237 on 31 Jul 25 Category Hybrid - Hybrid Debt AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.67 Sharpe Ratio 0.25 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 Aug 20 ₹10,000 31 Aug 21 ₹11,401 31 Aug 22 ₹12,105 31 Aug 23 ₹13,100 31 Aug 24 ₹15,127 31 Aug 25 ₹16,065 Returns for ICICI Prudential MIP 25
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 1 Sep 25 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 6.9% 1 Year 6.4% 3 Year 10% 5 Year 9.8% 10 Year 15 Year Since launch 9.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 11.4% 2023 11.4% 2022 5.1% 2021 9.9% 2020 10.9% 2019 9.6% 2018 5.1% 2017 12.9% 2016 10.9% 2015 6.4% Fund Manager information for ICICI Prudential MIP 25
Name Since Tenure Manish Banthia 19 Sep 13 11.96 Yr. Akhil Kakkar 22 Jan 24 1.61 Yr. Roshan Chutkey 2 May 22 3.34 Yr. Sharmila D’mello 31 Jul 22 3.09 Yr. Data below for ICICI Prudential MIP 25 as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 14.99% Equity 23.49% Debt 61.23% Other 0.29% Equity Sector Allocation
Sector Value Financial Services 6.63% Consumer Cyclical 4.16% Health Care 3% Communication Services 1.7% Real Estate 1.52% Basic Materials 1.25% Technology 1.15% Industrials 1.11% Energy 1.1% Utility 0.95% Consumer Defensive 0.93% Debt Sector Allocation
Sector Value Corporate 46.29% Government 23.88% Cash Equivalent 6.05% Credit Quality
Rating Value A 8.32% AA 33.13% AAA 58.55% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.99% Govt Stock 2034
Sovereign Bonds | -5% ₹169 Cr 16,574,750 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹112 Cr 10,775,880 National Bank For Agriculture And Rural Development
Debentures | -3% ₹102 Cr 10,000 State Bank Of India
Debentures | -3% ₹100 Cr 1,000 6.9% Govt Stock 2065
Sovereign Bonds | -3% ₹96 Cr 10,000,000 L&T Metro Rail (Hyderabad) Limited
Debentures | -2% ₹80 Cr 800 360 One Prime Limited
Debentures | -2% ₹75 Cr 7,500 Yes Bank Limited
Debentures | -2% ₹65 Cr 650 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Jun 19 | ICICIBANK2% ₹53 Cr 372,298 Godrej Properties Limited
Debentures | -2% ₹51 Cr 5,000 2. HDFC Hybrid Debt Fund
HDFC Hybrid Debt Fund
Growth Launch Date 26 Dec 03 NAV (01 Sep 25) ₹81.2062 ↑ 0.10 (0.13 %) Net Assets (Cr) ₹3,388 on 31 Jul 25 Category Hybrid - Hybrid Debt AMC HDFC Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.76 Sharpe Ratio -0.43 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 Aug 20 ₹10,000 31 Aug 21 ₹11,995 31 Aug 22 ₹12,670 31 Aug 23 ₹14,011 31 Aug 24 ₹16,372 31 Aug 25 ₹16,764 Returns for HDFC Hybrid Debt Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 1 Sep 25 Duration Returns 1 Month -1% 3 Month -1.6% 6 Month 4.4% 1 Year 2.5% 3 Year 9.9% 5 Year 10.8% 10 Year 15 Year Since launch 10.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 10.5% 2023 13.9% 2022 6% 2021 13.4% 2020 10.2% 2019 6.6% 2018 0.6% 2017 10.8% 2016 13% 2015 3.8% Fund Manager information for HDFC Hybrid Debt Fund
Name Since Tenure Shobhit Mehrotra 1 Sep 07 18.01 Yr. Srinivasan Ramamurthy 14 Dec 21 3.72 Yr. Dhruv Muchhal 22 Jun 23 2.2 Yr. Data below for HDFC Hybrid Debt Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 3.12% Equity 20.32% Debt 76.28% Other 0.28% Equity Sector Allocation
Sector Value Financial Services 8.17% Energy 2.12% Technology 1.76% Health Care 1.74% Industrials 1.52% Consumer Cyclical 1.35% Utility 1.21% Communication Services 0.98% Consumer Defensive 0.73% Real Estate 0.57% Basic Materials 0.17% Debt Sector Allocation
Sector Value Government 52.93% Corporate 23.35% Cash Equivalent 3.12% Credit Quality
Rating Value A 1.68% AA 7.46% AAA 90.86% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -4% ₹142 Cr 14,000,000
↑ 2,500,000 7.09% Govt Stock 2054
Sovereign Bonds | -3% ₹114 Cr 11,500,000 7.23% Govt Stock 2039
Sovereign Bonds | -3% ₹104 Cr 10,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -3% ₹86 Cr 8,500,000 Indian Railway Finance Corporation Limited
Debentures | -2% ₹84 Cr 800 6.33% Goi 2035
Sovereign Bonds | -2% ₹77 Cr 7,739,400 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 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK2% ₹71 Cr 500,000 HDFC Bank Ltd (Financial Services)
Equity, Since 15 Dec 21 | HDFCBANK2% ₹70 Cr 350,000 3. SBI Debt Hybrid Fund
SBI Debt Hybrid Fund
Growth Launch Date 9 Apr 01 NAV (01 Sep 25) ₹72.6603 ↑ 0.15 (0.21 %) Net Assets (Cr) ₹9,799 on 31 Jul 25 Category Hybrid - Hybrid Debt AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 1.23 Sharpe Ratio -0.23 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 Aug 20 ₹10,000 31 Aug 21 ₹12,016 31 Aug 22 ₹12,828 31 Aug 23 ₹14,178 31 Aug 24 ₹16,249 31 Aug 25 ₹16,966 Returns for SBI Debt Hybrid Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 1 Sep 25 Duration Returns 1 Month 0.1% 3 Month 0.7% 6 Month 6.6% 1 Year 4.6% 3 Year 9.8% 5 Year 11% 10 Year 15 Year Since launch 8.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 11% 2023 12.2% 2022 4.5% 2021 14.1% 2020 13.5% 2019 8.1% 2018 -0.2% 2017 8.5% 2016 12.5% 2015 8.2% Fund Manager information for SBI Debt Hybrid Fund
Name Since Tenure Saurabh Pant 1 Jan 22 3.67 Yr. Mansi Sajeja 30 Jun 21 4.18 Yr. Milind Agrawal 1 Aug 25 0.08 Yr. Data below for SBI Debt Hybrid Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 7.19% Equity 23.14% Debt 69.37% Other 0.29% Equity Sector Allocation
Sector Value Financial Services 7.18% Industrials 4.49% Basic Materials 3.77% Energy 2.18% Consumer Cyclical 1.88% Consumer Defensive 1.88% Health Care 1.76% Debt Sector Allocation
Sector Value Corporate 59.47% Government 9.9% Cash Equivalent 7.19% Credit Quality
Rating Value AA 44.02% AAA 55.98% Top Securities Holdings / Portfolio
Name Holding Value Quantity TATA Power Renewable Energy Limited
Debentures | -3% ₹305 Cr 30,000 Aditya Birla Renewables Limited
Debentures | -3% ₹304 Cr 30,000 Infopark Properties Limited
Debentures | -3% ₹303 Cr 30,000 Bajaj Finance Limited
Debentures | -3% ₹254 Cr 25,000 State Bank Of India
Debentures | -3% ₹250 Cr 2,500 LIC Housing Finance Ltd
Debentures | -2% ₹229 Cr 22,500 GMR Airports Ltd.
Debentures | -2% ₹219 Cr 22,000
↑ 22,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 23 | RELIANCE2% ₹213 Cr 1,550,000 6.79% Govt Stock 2034
Sovereign Bonds | -2% ₹204 Cr 20,000,000
↓ -17,500,000 Cholamandalam Investment And Finance Company Limited
Debentures | -2% ₹204 Cr 20,000 4. DSP Regular Savings Fund
DSP Regular Savings Fund
Growth Launch Date 11 Jun 04 NAV (01 Sep 25) ₹58.5919 ↑ 0.09 (0.15 %) Net Assets (Cr) ₹178 on 31 Jul 25 Category Hybrid - Hybrid Debt AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk Moderately High Expense Ratio 1.12 Sharpe Ratio 0.15 Information Ratio 0.49 Alpha Ratio -0.12 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 Aug 20 ₹10,000 31 Aug 21 ₹11,586 31 Aug 22 ₹11,758 31 Aug 23 ₹12,679 31 Aug 24 ₹14,630 31 Aug 25 ₹15,459 Returns for DSP Regular Savings Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 1 Sep 25 Duration Returns 1 Month -0.3% 3 Month 0% 6 Month 5.5% 1 Year 5.8% 3 Year 9.7% 5 Year 9% 10 Year 15 Year Since launch 8.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 11% 2023 12% 2022 3.5% 2021 7.8% 2020 9.3% 2019 6.9% 2018 -5.3% 2017 11% 2016 10.7% 2015 4.8% Fund Manager information for DSP Regular Savings Fund
Name Since Tenure Abhishek Singh 31 May 21 4.26 Yr. Shantanu Godambe 1 Aug 24 1.08 Yr. Data below for DSP Regular Savings Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 8.44% Equity 14.92% Debt 75.49% Other 1.16% Equity Sector Allocation
Sector Value Financial Services 6.37% Health Care 2.17% Consumer Cyclical 2.17% Utility 0.82% Technology 0.77% Consumer Defensive 0.59% Industrials 0.57% Energy 0.56% Basic Materials 0.56% Communication Services 0.33% Debt Sector Allocation
Sector Value Government 75.49% Cash Equivalent 8.44% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.33% Goi 2035
Sovereign Bonds | -14% ₹25 Cr 2,500,000
↓ -500,000 7.81% Govt Stock 2033
Sovereign Bonds | -12% ₹21 Cr 2,000,000 7.32% Govt Stock 2030
Sovereign Bonds | -12% ₹21 Cr 2,000,000 Power Grid Corporation Of India Limited
Debentures | -6% ₹11 Cr 100 7.1% Govt Stock 2029
Sovereign Bonds | -6% ₹11 Cr 1,000,000 7.06% Govt Stock 2028
Sovereign Bonds | -6% ₹11 Cr 1,000,000 7.37% Govt Stock 2028
Sovereign Bonds | -3% ₹5 Cr 500,000 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹5 Cr 500,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹5 Cr 50 7.02% Govt Stock 2031
Sovereign Bonds | -3% ₹5 Cr 500,000 5. Kotak Debt Hybrid Fund
Kotak Debt Hybrid Fund
Growth Launch Date 2 Dec 03 NAV (01 Sep 25) ₹57.6503 ↑ 0.10 (0.17 %) Net Assets (Cr) ₹3,130 on 31 Jul 25 Category Hybrid - Hybrid Debt AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.68 Sharpe Ratio -0.24 Information Ratio 0.66 Alpha Ratio -2.38 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 Aug 20 ₹10,000 31 Aug 21 ₹11,964 31 Aug 22 ₹12,646 31 Aug 23 ₹13,774 31 Aug 24 ₹16,309 31 Aug 25 ₹16,601 Returns for Kotak Debt Hybrid Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 1 Sep 25 Duration Returns 1 Month -1.2% 3 Month -1.7% 6 Month 4.6% 1 Year 2% 3 Year 9.6% 5 Year 10.5% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 11.4% 2023 13.9% 2022 4.3% 2021 13.3% 2020 13.9% 2019 11.2% 2018 -0.1% 2017 10.2% 2016 13% 2015 5.4% Fund Manager information for Kotak Debt Hybrid Fund
Name Since Tenure Abhishek Bisen 1 Apr 08 17.43 Yr. Shibani Kurian 3 Sep 24 0.99 Yr. Data below for Kotak Debt Hybrid Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 5.14% Equity 21.79% Debt 72.79% Other 0.28% Equity Sector Allocation
Sector Value Financial Services 6.51% Consumer Cyclical 2.81% Technology 2.59% Health Care 1.85% Utility 1.56% Industrials 1.44% Communication Services 1.41% Consumer Defensive 1.4% Energy 1.32% Basic Materials 0.79% Real Estate 0.11% Debt Sector Allocation
Sector Value Government 58.27% Corporate 14.52% Cash Equivalent 5.14% Credit Quality
Rating Value A 0.19% AA 5.37% AAA 94.43% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -19% ₹582 Cr 57,268,400 7.3% Govt Stock 2053
Sovereign Bonds | -11% ₹343 Cr 33,941,510
↓ -1,500,000 6.9% Govt Stock 2065
Sovereign Bonds | -7% ₹221 Cr 23,000,010
↑ 2,000,000 National Housing Bank
Debentures | -5% ₹149 Cr 15,000 Bharti Telecom Limited
Debentures | -4% ₹128 Cr 12,500 7.09% Govt Stock 2074
Sovereign Bonds | -4% ₹125 Cr 12,750,000
↑ 4,250,000 6.33% Goi 2035
Sovereign Bonds | -3% ₹108 Cr 10,868,430
↑ 10,868,430 Telangana State Industrial Infrastructure Corporation Limited
Debentures | -2% ₹57 Cr 5,600 National Bank For Agriculture And Rural Development
Debentures | -2% ₹51 Cr 5,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 24 | HDFCBANK1% ₹47 Cr 234,000
Research Highlights for ICICI Prudential MIP 25