এসআইপি বিনিয়োগ 2022-এর জন্য সেরা মধ্যবর্তী ঋণ তহবিল

Updated on September 5, 2026 , 2317 views

মধ্যবর্তীবন্ড মধ্যমেয়াদী তহবিল নামেও পরিচিত এক ধরনের ঋণযৌথ পুঁজি যেগুলি 3 বছর বা তার বেশি সময়ের জন্য সময় দিগন্তের সাথে ঋণ সিকিউরিটিজে বিনিয়োগ করে। মধ্য-মেয়াদী তহবিলের গড় পরিপক্কতার সময়কাল তরল, অতি-স্বল্প এবং স্বল্প-মেয়াদীর চেয়ে বেশিঋণ তহবিল. সাম্প্রতিক সময়ে, ভারতে ধারাবাহিক হার কমানোর কারণে মাঝারি তহবিলগুলি সেরা রিটার্ন প্রদান করেছে। এই তহবিলগুলি সুদের হারের প্রতি কম সংবেদনশীল, এবং তাই দীর্ঘ মেয়াদী তহবিলের তুলনায় কম অস্থির হয়গিল্ট ফান্ড. সেরা ফলাফলের জন্য, বিনিয়োগকারীদের একটি মাধ্যমে সেরা মধ্যবর্তী ঋণ তহবিলে বিনিয়োগ করার পরামর্শ দেওয়া হয়চুমুক. বিনিয়োগকারীরা নীচের পূর্ব-তালিকাভুক্ত শীর্ষ রেটযুক্ত মধ্য-মেয়াদী ঋণ তহবিল থেকে সেরা পারফরমিং স্কিম বেছে নিতে পারেন।

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এসআইপিতে বিনিয়োগের জন্য শীর্ষ 5টি সেরা পারফর্মিং ইন্টারমিডিয়েট বা মিড টার্ম ডেট ফান্ড

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Aditya Birla Sun Life Medium Term Plan Growth	₹43.8425 ↑ 0.03	₹3,280	1,000	2.4	3.5	8.7	9.9	12	10.9
Axis Strategic Bond Fund Growth	₹30.1831 ↑ 0.02	₹2,098	1,000	2.4	3.3	6.5	7.8	6.7	8.2
Nippon India Strategic Debt Fund Growth	₹16.8852 ↑ 0.01	₹150	100	2.1	2.9	6	7.9	6.3	9.6
Kotak Medium Term Fund Growth	₹24.5607 ↑ 0.01	₹1,915	1,000	2.5	3	6.8	8	6.4	8.9
SBI Magnum Medium Duration Fund Growth	₹55.0492 ↑ 0.04	₹6,498	500	2.7	3.7	6.7	7.4	6.3	7.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Sep 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Medium Term Plan	Axis Strategic Bond Fund	Nippon India Strategic Debt Fund	Kotak Medium Term Fund	SBI Magnum Medium Duration Fund
Point 1	Upper mid AUM (₹3,280 Cr).	Lower mid AUM (₹2,098 Cr).	Bottom quartile AUM (₹150 Cr).	Bottom quartile AUM (₹1,915 Cr).	Highest AUM (₹6,498 Cr).
Point 2	Established history (17+ yrs).	Established history (14+ yrs).	Established history (12+ yrs).	Established history (12+ yrs).	Oldest track record among peers (22 yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 8.71% (top quartile).	1Y return: 6.54% (bottom quartile).	1Y return: 6.01% (bottom quartile).	1Y return: 6.77% (upper mid).	1Y return: 6.68% (lower mid).
Point 6	1M return: 0.14% (lower mid).	1M return: 0.20% (upper mid).	1M return: 0.12% (bottom quartile).	1M return: 0.08% (bottom quartile).	1M return: 0.38% (top quartile).
Point 7	Sharpe: 1.10 (top quartile).	Sharpe: 0.33 (lower mid).	Sharpe: 0.05 (bottom quartile).	Sharpe: 0.34 (upper mid).	Sharpe: 0.18 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 8.05% (upper mid).	Yield to maturity (debt): 8.02% (bottom quartile).	Yield to maturity (debt): 7.76% (bottom quartile).	Yield to maturity (debt): 8.20% (top quartile).	Yield to maturity (debt): 8.05% (lower mid).
Point 10	Modified duration: 3.14 yrs (lower mid).	Modified duration: 3.27 yrs (bottom quartile).	Modified duration: 3.74 yrs (bottom quartile).	Modified duration: 2.98 yrs (top quartile).	Modified duration: 3.07 yrs (upper mid).

Aditya Birla Sun Life Medium Term Plan

Upper mid AUM (₹3,280 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 8.71% (top quartile).
1M return: 0.14% (lower mid).
Sharpe: 1.10 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 8.05% (upper mid).
Modified duration: 3.14 yrs (lower mid).

Axis Strategic Bond Fund

Lower mid AUM (₹2,098 Cr).
Established history (14+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 6.54% (bottom quartile).
1M return: 0.20% (upper mid).
Sharpe: 0.33 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 8.02% (bottom quartile).
Modified duration: 3.27 yrs (bottom quartile).

Nippon India Strategic Debt Fund

Bottom quartile AUM (₹150 Cr).
Established history (12+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 6.01% (bottom quartile).
1M return: 0.12% (bottom quartile).
Sharpe: 0.05 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.76% (bottom quartile).
Modified duration: 3.74 yrs (bottom quartile).

Kotak Medium Term Fund

Bottom quartile AUM (₹1,915 Cr).
Established history (12+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.77% (upper mid).
1M return: 0.08% (bottom quartile).
Sharpe: 0.34 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.20% (top quartile).
Modified duration: 2.98 yrs (top quartile).

SBI Magnum Medium Duration Fund

Highest AUM (₹6,498 Cr).
Oldest track record among peers (22 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.68% (lower mid).
1M return: 0.38% (top quartile).
Sharpe: 0.18 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.05% (lower mid).
Modified duration: 3.07 yrs (upper mid).

1. Aditya Birla Sun Life Medium Term Plan

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

Upper mid AUM (₹3,280 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 8.71% (top quartile).
1M return: 0.14% (lower mid).
Sharpe: 1.10 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 8.05% (upper mid).
Modified duration: 3.14 yrs (lower mid).
Average maturity: 4.65 yrs (upper mid).
Exit load: 0-365 Days (1%),365 Days and above(NIL).
Top sector: Real Estate.
Top bond sector: Corporate.
Debt-heavy allocation (~91%).
High-quality debt (AAA/AA ~90%).
Largest holding 6.94% Govt Stock 2036 (~12.0%).

Below is the key information for Aditya Birla Sun Life Medium Term Plan

Aditya Birla Sun Life Medium Term Plan Growth
Launch Date	25 Mar 09
NAV (07 Sep 26)	₹43.8425 ↑ 0.03 (0.07 %)
Net Assets (Cr)	₹3,280 on 31 Jul 26
Category	Debt - Medium term Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.55
Sharpe Ratio	1.1
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	8.05%
Effective Maturity	4 Years 7 Months 24 Days
Modified Duration	3 Years 1 Month 20 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹12,410
31 Aug 23	₹13,277
31 Aug 24	₹14,340
31 Aug 25	₹16,161
31 Aug 26	₹17,576

Aditya Birla Sun Life Medium Term Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹215,396.
Net Profit of ₹35,396 Invest Now

Returns for Aditya Birla Sun Life Medium Term Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Sep 26

Duration	Returns
1 Month	0.1%
3 Month	2.4%
6 Month	3.5%
1 Year	8.7%
3 Year	9.9%
5 Year	12%
10 Year
15 Year
Since launch	8.8%

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	11.92 Yr.
Mohit Sharma	6 Aug 20	5.99 Yr.

Data below for Aditya Birla Sun Life Medium Term Plan as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	4.28%
Equity	4.17%
Debt	91.31%
Other	0.23%

Debt Sector Allocation

Sector	Value
Corporate	60.43%
Government	30.89%
Cash Equivalent	4.28%

Credit Quality

Rating	Value
A	9.81%
AA	42.09%
AAA	48.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.94% Govt Stock 2036 Sovereign Bonds \| -	12%	₹400 Cr	39,500,000
Bajaj Housing Finance Limited Debentures \| -	5%	₹153 Cr	15,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹125 Cr	12,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹113 Cr	11,500
Hinduja Leyland Finance Limited Debentures \| -	3%	₹110 Cr	11,000
Oxyzo Financial Services Limited Debentures \| -	3%	₹89 Cr	9,000
GMR Airports Limited Debentures \| -	3%	₹84 Cr	8,000
Jtpm Metal TRaders Limited Debentures \| -	2%	₹83 Cr	7,673
Jubilant Bevco Limited Debentures \| -	2%	₹83 Cr	7,400
Kogta Financial (India) Limited Debentures \| -	2%	₹72 Cr	7,250

2. Axis Strategic Bond Fund

(Erstwhile Axis Income Fund)

To generate optimal returns in the medium term while maintaining liquidity of the portfolio by investing in debt and money market instruments.

Research Highlights for Axis Strategic Bond Fund

Lower mid AUM (₹2,098 Cr).
Established history (14+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 6.54% (bottom quartile).
1M return: 0.20% (upper mid).
Sharpe: 0.33 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 8.02% (bottom quartile).
Modified duration: 3.27 yrs (bottom quartile).
Average maturity: 4.92 yrs (bottom quartile).
Exit load: 0-12 Months (1%),12 Months and above(NIL).
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~92%).
High-quality debt (AAA/AA ~92%).
Largest holding 6.94% Govt Stock 2036 (~10.8%).

Below is the key information for Axis Strategic Bond Fund

Axis Strategic Bond Fund Growth
Launch Date	28 Mar 12
NAV (07 Sep 26)	₹30.1831 ↑ 0.02 (0.08 %)
Net Assets (Cr)	₹2,098 on 31 Jul 26
Category	Debt - Medium term Bond
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.08
Sharpe Ratio	0.33
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity	8.02%
Effective Maturity	4 Years 11 Months 1 Day
Modified Duration	3 Years 3 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,372
31 Aug 23	₹11,057
31 Aug 24	₹11,960
31 Aug 25	₹12,969
31 Aug 26	₹13,818

Axis Strategic Bond Fund SIP Returns

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

Returns for Axis Strategic Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Sep 26

Duration	Returns
1 Month	0.2%
3 Month	2.4%
6 Month	3.3%
1 Year	6.5%
3 Year	7.8%
5 Year	6.7%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.2%
2023	8.7%
2022	7.3%
2021	3.8%
2020	5.2%
2019	10.5%
2018	7.1%
2017	6.7%
2016	7.5%
2015	11.6%

Fund Manager information for Axis Strategic Bond Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	13.74 Yr.
Sachin Jain	1 Feb 23	3.5 Yr.
Akhil Thakker	1 Feb 23	3.5 Yr.

Data below for Axis Strategic Bond Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	3.9%
Equity	3.54%
Debt	92.26%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	66.31%
Government	25.96%
Cash Equivalent	3.9%

Credit Quality

Rating	Value
A	7.59%
AA	55.74%
AAA	36.67%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.94% Govt Stock 2036 Sovereign Bonds \| -	11%	₹225 Cr	22,250,000 ↓ -2,000,000
Jubilant Beverages Limited Debentures \| -	3%	₹73 Cr	6,500
GMR Hyderabad International Airport Ltd Debentures \| -	3%	₹67 Cr	6,500
Tamilnadu State Development Loans Sovereign Bonds \| -	3%	₹63 Cr	6,358,600
Jubilant Bevco Limited Debentures \| -	3%	₹62 Cr	5,500
Vedanta Aluminium Metal Limited Debentures \| -	3%	₹60 Cr	6,000
Adani Power Limited Debentures \| -	3%	₹60 Cr	6,000
Delhi International Airport Limited Debentures \| -	3%	₹57 Cr	5,500
Aditya Birla Digital Fashion Ventures Limited Debentures \| -	3%	₹55 Cr	5,500
Hiranandani Financial Services Private Limited Debentures \| -	2%	₹52 Cr	5,200

3. Nippon India Strategic Debt Fund

(Erstwhile Reliance Classic 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. The scheme would focus its investments predominantly in corporate bonds of various maturities and across ratings for the purpose of achieving regular income and capital appreciation.

Research Highlights for Nippon India Strategic Debt Fund

Bottom quartile AUM (₹150 Cr).
Established history (12+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 6.01% (bottom quartile).
1M return: 0.12% (bottom quartile).
Sharpe: 0.05 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.76% (bottom quartile).
Modified duration: 3.74 yrs (bottom quartile).
Average maturity: 5.79 yrs (bottom quartile).
Exit load: 0-12 Months (1%),12 Months and above(NIL).
Top bond sector: Corporate.
Debt-heavy allocation (~92%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.79% Govt Stock 2034 (~6.8%).

Below is the key information for Nippon India Strategic Debt Fund

Nippon India Strategic Debt Fund Growth
Launch Date	26 Jun 14
NAV (07 Sep 26)	₹16.8852 ↑ 0.01 (0.08 %)
Net Assets (Cr)	₹150 on 31 Jul 26
Category	Debt - Medium term Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.08
Sharpe Ratio	0.05
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	7.76%
Effective Maturity	5 Years 9 Months 14 Days
Modified Duration	3 Years 8 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,126
31 Aug 23	₹10,810
31 Aug 24	₹11,610
31 Aug 25	₹12,776
31 Aug 26	₹13,549

Nippon India Strategic Debt Fund SIP Returns

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

Returns for Nippon India Strategic Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Sep 26

Duration	Returns
1 Month	0.1%
3 Month	2.1%
6 Month	2.9%
1 Year	6%
3 Year	7.9%
5 Year	6.3%
10 Year
15 Year
Since launch	4.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9.6%
2023	8.3%
2022	7%
2021	2%
2020	17.4%
2019	-23.5%
2018	-3.4%
2017	4.7%
2016	6.9%
2015	11.1%

Fund Manager information for Nippon India Strategic Debt Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	8.19 Yr.
Sushil Budhia	1 Feb 20	6.5 Yr.
Akshay Sharma	1 Dec 22	3.67 Yr.
Amber Singhania	11 Mar 26	0.39 Yr.

Data below for Nippon India Strategic Debt Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	8.11%
Debt	91.56%
Other	0.34%

Debt Sector Allocation

Sector	Value
Corporate	50.13%
Government	41.42%
Cash Equivalent	8.11%

Credit Quality

Rating	Value
AA	42.89%
AAA	57.11%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	7%	₹10 Cr	1,000,000
Indian Railway Finance Corporation Limited Debentures \| -	4%	₹5 Cr	1,000
Rec Limited Debentures \| -	4%	₹5 Cr	50
7.26% Govt Stock 2033 Sovereign Bonds \| -	4%	₹5 Cr	500,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	3%	₹5 Cr	500,000
7.27% Rajasthan Sdl 2029 Sovereign Bonds \| -	3%	₹5 Cr	500,000
Andhra Pradesh State Beverages Corporation Limited Debentures \| -	3%	₹5 Cr	500
7.3% Rajasthan Sdl 2030 Sovereign Bonds \| -	3%	₹5 Cr	500,000
TRuhome Finance Limited Debentures \| -	3%	₹5 Cr	500
Aditya Birla Real Estate Limited Debentures \| -	3%	₹5 Cr	500

4. Kotak Medium Term Fund

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

Bottom quartile AUM (₹1,915 Cr).
Established history (12+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.77% (upper mid).
1M return: 0.08% (bottom quartile).
Sharpe: 0.34 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.20% (top quartile).
Modified duration: 2.98 yrs (top quartile).
Average maturity: 4.81 yrs (lower mid).
Exit load: 0-18 Months (2%),18 Months and above(NIL).
Top sector: Real Estate.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~87%).
High-quality debt (AAA/AA ~92%).
Largest holding Jtpm Metal TRaders Limited (~5.6%).

Below is the key information for Kotak Medium Term Fund

Kotak Medium Term Fund Growth
Launch Date	25 Mar 14
NAV (07 Sep 26)	₹24.5607 ↑ 0.01 (0.05 %)
Net Assets (Cr)	₹1,915 on 31 Jul 26
Category	Debt - Medium term Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.63
Sharpe Ratio	0.34
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	8.2%
Effective Maturity	4 Years 9 Months 22 Days
Modified Duration	2 Years 11 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,312
31 Aug 23	₹10,835
31 Aug 24	₹11,790
31 Aug 25	₹12,765
31 Aug 26	₹13,636

Kotak Medium Term Fund SIP Returns

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

Returns for Kotak Medium Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Sep 26

Duration	Returns
1 Month	0.1%
3 Month	2.5%
6 Month	3%
1 Year	6.8%
3 Year	8%
5 Year	6.4%
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	12.36 Yr.
Vihag Mishra	1 Jun 25	1.17 Yr.

Data below for Kotak Medium Term Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	3.25%
Equity	9.9%
Debt	86.54%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	72.21%
Government	14.33%
Cash Equivalent	3.25%

Credit Quality

Rating	Value
A	8.11%
AA	56.36%
AAA	35.53%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Jtpm Metal TRaders Limited Debentures \| -	6%	₹108 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%	₹90 Cr	9,000
Adani Power Limited Debentures \| -	5%	₹90 Cr	9,000
Embassy Office Parks REIT (Real Estate) -, Since 31 May 21 \| 542602	4%	₹81 Cr	1,788,346
TATA Steel Limited Debentures \| -	4%	₹75 Cr	750
360 One Prime Limited Debentures \| -	4%	₹75 Cr	7,500
Mas Financial Services Limited Debentures \| -	4%	₹74 Cr	7,500
Aditya Birla Renewables Limited Debentures \| -	3%	₹60 Cr	6,000
7.71% Govt Stock 2066 Sovereign Bonds \| -	3%	₹57 Cr	5,500,000

5. SBI Magnum Medium Duration Fund

(Erstwhile SBI Regular Savings Fund)

To provide attractive returns to the Magnum holders / Unit holders either through periodic dividends or through capital appreciation through an actively managed portfolio of debt, equity and money market instruments.

Research Highlights for SBI Magnum Medium Duration Fund

Highest AUM (₹6,498 Cr).
Oldest track record among peers (22 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.68% (lower mid).
1M return: 0.38% (top quartile).
Sharpe: 0.18 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.05% (lower mid).
Modified duration: 3.07 yrs (upper mid).
Average maturity: 4.39 yrs (top quartile).
Exit load: 0-12 Months (1.5%),12 Months and above(NIL).
Top sector: Real Estate.
Top bond sector: Corporate.
Debt-heavy allocation (~86%).
High-quality debt (AAA/AA ~90%).
Largest holding 6.94% Govt Stock 2036 (~8.1%).

Below is the key information for SBI Magnum Medium Duration Fund

SBI Magnum Medium Duration Fund Growth
Launch Date	12 Nov 03
NAV (07 Sep 26)	₹55.0492 ↑ 0.04 (0.07 %)
Net Assets (Cr)	₹6,498 on 31 Jul 26
Category	Debt - Medium term Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.22
Sharpe Ratio	0.18
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1.5%),12 Months and above(NIL)
Yield to Maturity	8.05%
Effective Maturity	4 Years 4 Months 20 Days
Modified Duration	3 Years 25 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,279
31 Aug 23	₹10,993
31 Aug 24	₹11,824
31 Aug 25	₹12,718
31 Aug 26	₹13,575

SBI Magnum Medium Duration Fund SIP Returns

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

Returns for SBI Magnum Medium Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Sep 26

Duration	Returns
1 Month	0.4%
3 Month	2.7%
6 Month	3.7%
1 Year	6.7%
3 Year	7.4%
5 Year	6.3%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	8.1%
2022	7.2%
2021	3.4%
2020	3.8%
2019	12.3%
2018	11.1%
2017	6.2%
2016	7.6%
2015	14%

Fund Manager information for SBI Magnum Medium Duration Fund

Name	Since	Tenure
Lokesh Mallya	1 Dec 23	2.67 Yr.
Mohit Jain	30 Nov 17	8.67 Yr.

Data below for SBI Magnum Medium Duration Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	7.35%
Equity	6.55%
Debt	85.77%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	62.58%
Government	24.28%
Cash Equivalent	6.27%

Credit Quality

Rating	Value
A	9.76%
AA	51.35%
AAA	38.88%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.94% Govt Stock 2036 Sovereign Bonds \| -	8%	₹527 Cr	52,000,000
6.68% Govt Stock 2040 Sovereign Bonds \| -	6%	₹366 Cr	37,500,000 ↑ 5,000,000
Godrej Properties Limited Debentures \| -	5%	₹301 Cr	30,000
Jsw Jfe Kalinga Steel Limited Debentures \| -	4%	₹280 Cr	27,000
Yes Bank Limited Debentures \| -	3%	₹225 Cr	2,250
Aditya Birla Real Estate Limited Debentures \| -	3%	₹221 Cr	22,000
Renew Solar Energy (Jharkhand Five) Private Limited Debentures \| -	3%	₹219 Cr	24,000
Jtpm Metal TRaders Limited Debentures \| -	3%	₹216 Cr	20,000
Renserv Global Private Limited Debentures \| -	3%	₹205 Cr	20,500
Motilal Oswal Finvest Limited Debentures \| -	3%	₹201 Cr	20,000

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