আপনার একচেটিয়া বিনিয়োগের জন্য Mণ মিউচুয়াল তহবিল

Updated on June 7, 2026 , 2760 views

সাধারণত, যখন কেউ চানমিউচুয়াল ফান্ডে বিনিয়োগ করুন, তারা একটি গ্রহণ করা উচিত যদি তারা বিভ্রান্ত হয়চুমুক রুট বা একক পরিমাণ আসুন আপনার জন্য এটি সহজ করা যাক! যে বিনিয়োগকারীরা debtণ তহবিলে বিনিয়োগের পরিকল্পনা করছেন তাদের আদর্শভাবে এককালীন অর্থ প্রদানের পদ্ধতিটি বেছে নেওয়া উচিত, এটি বিনিয়োগের একক অঙ্ক। সহজেই স্বল্প সময়ের জন্য বিনিয়োগ করা বুদ্ধিমানের কাজতারল্য।

Tণ মিউচুয়াল ফান্ড বিনিয়োগের জন্য একচেটিয়া অর্থ কেন?

একচেটিয়া বিনিয়োগের জন্য debtণ তহবিলের তুলনায় একটি ভাল বিকল্পইক্যুইটি মিউচুয়াল তহবিল। একটি একক পরিমাণ রুট সুদের হারের পরিবর্তনের ঝুঁকি হ্রাস করার পাশাপাশি স্থির আমানতের (এফডি) তুলনায় আরও ভাল রিটার্ন দেয়। আদর্শভাবে, যখন আপনি debtণ তহবিলগুলিতে একচেটিয়া রাস্তা নিয়ে বিনিয়োগ করেন, তখন এটি দুটি সমস্যা সমাধান করে one একটি হ'ল ট্যাক্স সুবিধা এবং অন্যটি পুনরায় বিনিয়োগের ঝুঁকি।

Risingণমুখী তহবিলগুলিতে উচ্চ-মানের একটি পোর্টফোলিও সহ এককভাবে রাস্তায় নেওয়ার পক্ষে সময়টি বাড়ছে সুদের হারের সময়!ডুরি। এই তহবিলগুলি সাধারণত এমন লোকদের জন্য উপযুক্ত যাদের অলস সঞ্চয় রয়েছে এবং সর্বোত্তম রিটার্নের জন্য বিনিয়োগ করতে চান। যে কোনও সংখ্যক মোটা অঙ্কের অর্থ প্রদান করা যেতে পারেপারস্পরিক তহবিল।

পদ্ধতিগতের তুলনায় এককভাবে বিনিয়োগ ভাল কাজ করেবিনিয়োগের পরিকল্পনা- শুধুমাত্র যদি বাজারের মন্দার সময় বা কম মূল্যায় বিনিয়োগ করা হয়। তবে একচেটিয়া অঙ্কবিনিয়োগ যখন বাজারের মূল্যায়ন প্রসারিত হয় বা যখন আপনার বিনিয়োগের প্রথম পর্যায়ে মার্কেটগুলি খুব দ্রুত সংশোধন করা হয় তখন কেউ অতিরিক্ত বিনিয়োগের কাজ করে না।

Debণ তহবিলগুলিতে কীভাবে বিনিয়োগ করবেন: একটি মূল্যায়ন করুন

ফান্ড রিটার্নস- একটি খাবারের একটি ভাল ট্র্যাক রেকর্ড থাকা উচিত। ধারাবাহিক পারফরম্যান্স সরবরাহের শক্ত ইতিহাস রয়েছে এমন একটি তহবিলের জন্য যান for তহবিলের অতীত 1, 3 এবং 5 বছরের রিটার্ন এবং এটি যদি তার বেঞ্চমার্ককে মারতে সক্ষম হয় বা না তা পরীক্ষা করে দেখুন।

টাইম দিগন্তের সাথে ম্যাচ করুন- fundsণ তহবিল তার সম্পর্কিত পরিপক্ক সময়ের সাথে বিনিয়োগের বিভিন্ন পছন্দ সরবরাহ করে offer বিনিয়োগকারীদের তাদের পরিপক্বতার সময়কালের ভিত্তিতে বিনিয়োগের সিদ্ধান্ত নিতে হবে, যখন তারা অন্যের সাথেও তুলনা করতে পারেFundণ তহবিল ইনস্ট্রুমেন্টগুলি এবং তাদের পরিকল্পনার জন্য সবচেয়ে উপযুক্ত অনুসারে একটি নির্বাচন করুন। উদাহরণস্বরূপ, আপনি যদি এক বছরের বিনিয়োগ পরিকল্পনার সময়সীমার দিকে তাকিয়ে থাকেন তবে স্বল্পমেয়াদী debtণ তহবিল আদর্শভাবে মামলা করতে পারে।

ব্যয় অনুপাত- debtণ তহবিল বিবেচনার জন্য একটি গুরুত্বপূর্ণ বিষয় হ'ল এর ব্যয় অনুপাত। একটি উচ্চ ব্যয়ের অনুপাত তহবিলের কর্মক্ষমতা উপর একটি বৃহত্তর প্রভাব তৈরি করে। উদাহরণ স্বরূপ,তরল তহবিল সর্বনিম্ন ব্যয় অনুপাত যা 50 বিপিএস অবধি রয়েছে (বিপিএস সুদের হার পরিমাপের একক যেখানে এক বিপিএস 1% এর 1 / 100th এর সমান) অন্যদিকে, অন্যান্য debtণ তহবিল 150 বিপিএস পর্যন্ত চার্জ করতে পারে। সুতরাং একটি debtণ মিউচুয়াল ফান্ডের মধ্যে একটি বাছাই করার জন্য, পরিচালনা ফি বা তহবিলের চলমান ব্যয় বিবেচনা করা গুরুত্বপূর্ণ।

শীর্ষস্থানীয় 10 সেরা লম্পটের সমষ্টি Mণ মিউচুয়াল তহবিল 2020 - 2021

নীচে থেকে শীর্ষস্থানীয় তহবিল রয়েছেঋণ বিভাগগুলি প্রাথমিকভাবে তহবিল রয়েছেএএম> 2000 কোটি 2000 এবং আল্ট্রা-শর্ট, কর্পোরেট বন্ড, ক্রেডিট ঝুঁকি, নিম্ন মেয়াদী সাব বিভাগে রয়েছে।

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹580.777 ↑ 0.65	₹19,985	1,000	1.6	2.9	6.1	7.2	7.4	7.45%	5M 26D	7M 2D
Aditya Birla Sun Life Corporate Bond Fund Growth	₹117.831 ↑ 0.37	₹25,168	1,000	1.1	1.8	3.9	7.1	7.4	7.64%	4Y 1M 17D	7Y
HDFC Corporate Bond Fund Growth	₹33.9259 ↑ 0.12	₹31,611	5,000	1.1	1.7	3.6	7	7.3	7.65%	4Y 2M 23D	7Y 4M 10D
SBI Credit Risk Fund Growth	₹48.5368 ↑ 0.10	₹2,134	5,000	2	3.4	6.3	7.6	7.9	8.72%	1Y 7M 24D	2Y 7D
HDFC Credit Risk Debt Fund Growth	₹25.5222 ↑ 0.05	₹7,522	5,000	1.6	3	6	7.4	8	8.59%	2Y 3M 29D	3Y 8M 26D
ICICI Prudential Savings Fund Growth	₹576.244 ↑ 0.93	₹27,700	500	1.5	2.8	6	7.5	7.7	7.57%	10M 28D	1Y 3M 18D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Jun 26

Research Highlights & Commentary of 6 Funds showcased

Commentary	Aditya Birla Sun Life Savings Fund	Aditya Birla Sun Life Corporate Bond Fund	HDFC Corporate Bond Fund	SBI Credit Risk Fund	HDFC Credit Risk Debt Fund	ICICI Prudential Savings Fund
Point 1	Lower mid AUM (₹19,985 Cr).	Upper mid AUM (₹25,168 Cr).	Highest AUM (₹31,611 Cr).	Bottom quartile AUM (₹2,134 Cr).	Bottom quartile AUM (₹7,522 Cr).	Upper mid AUM (₹27,700 Cr).
Point 2	Established history (23+ yrs).	Oldest track record among peers (29 yrs).	Established history (15+ yrs).	Established history (21+ yrs).	Established history (12+ yrs).	Established history (23+ yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 5★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	1Y return: 6.09% (upper mid).	1Y return: 3.87% (bottom quartile).	1Y return: 3.62% (bottom quartile).	1Y return: 6.34% (top quartile).	1Y return: 5.99% (upper mid).	1Y return: 5.97% (lower mid).
Point 6	1M return: 0.56% (bottom quartile).	1M return: 0.76% (upper mid).	1M return: 0.80% (upper mid).	1M return: 0.86% (top quartile).	1M return: 0.71% (lower mid).	1M return: 0.57% (bottom quartile).
Point 7	Sharpe: 1.75 (top quartile).	Sharpe: -0.87 (bottom quartile).	Sharpe: -0.90 (bottom quartile).	Sharpe: 0.60 (upper mid).	Sharpe: 0.39 (lower mid).	Sharpe: 1.35 (upper mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	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): 7.45% (bottom quartile).	Yield to maturity (debt): 7.64% (lower mid).	Yield to maturity (debt): 7.65% (upper mid).	Yield to maturity (debt): 8.72% (top quartile).	Yield to maturity (debt): 8.59% (upper mid).	Yield to maturity (debt): 7.57% (bottom quartile).
Point 10	Modified duration: 0.49 yrs (top quartile).	Modified duration: 4.13 yrs (bottom quartile).	Modified duration: 4.23 yrs (bottom quartile).	Modified duration: 1.65 yrs (upper mid).	Modified duration: 2.33 yrs (lower mid).	Modified duration: 0.91 yrs (upper mid).

Aditya Birla Sun Life Savings Fund

Lower mid AUM (₹19,985 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.09% (upper mid).
1M return: 0.56% (bottom quartile).
Sharpe: 1.75 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.45% (bottom quartile).
Modified duration: 0.49 yrs (top quartile).

Aditya Birla Sun Life Corporate Bond Fund

Upper mid AUM (₹25,168 Cr).
Oldest track record among peers (29 yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 3.87% (bottom quartile).
1M return: 0.76% (upper mid).
Sharpe: -0.87 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.64% (lower mid).
Modified duration: 4.13 yrs (bottom quartile).

HDFC Corporate Bond Fund

Highest AUM (₹31,611 Cr).
Established history (15+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 3.62% (bottom quartile).
1M return: 0.80% (upper mid).
Sharpe: -0.90 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.65% (upper mid).
Modified duration: 4.23 yrs (bottom quartile).

SBI Credit Risk Fund

Bottom quartile AUM (₹2,134 Cr).
Established history (21+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 6.34% (top quartile).
1M return: 0.86% (top quartile).
Sharpe: 0.60 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.72% (top quartile).
Modified duration: 1.65 yrs (upper mid).

HDFC Credit Risk Debt Fund

Bottom quartile AUM (₹7,522 Cr).
Established history (12+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.99% (upper mid).
1M return: 0.71% (lower mid).
Sharpe: 0.39 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.59% (upper mid).
Modified duration: 2.33 yrs (lower mid).

ICICI Prudential Savings Fund

Upper mid AUM (₹27,700 Cr).
Established history (23+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 5.97% (lower mid).
1M return: 0.57% (bottom quartile).
Sharpe: 1.35 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.57% (bottom quartile).
Modified duration: 0.91 yrs (upper mid).

1. Aditya Birla Sun Life Savings Fund

The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents.

Research Highlights for Aditya Birla Sun Life Savings Fund

Lower mid AUM (₹19,985 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.09% (upper mid).
1M return: 0.56% (bottom quartile).
Sharpe: 1.75 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.45% (bottom quartile).
Modified duration: 0.49 yrs (top quartile).
Average maturity: 0.59 yrs (top quartile).
Exit load: NIL.

Below is the key information for Aditya Birla Sun Life Savings Fund

Aditya Birla Sun Life Savings Fund Growth
Launch Date	16 Apr 03
NAV (09 Jun 26)	₹580.777 ↑ 0.65 (0.11 %)
Net Assets (Cr)	₹19,985 on 30 Apr 26
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	1.75
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.45%
Effective Maturity	7 Months 2 Days
Modified Duration	5 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,375
31 May 23	₹11,037
31 May 24	₹11,857
31 May 25	₹12,812
31 May 26	₹13,570

Aditya Birla Sun Life Savings 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 Aditya Birla Sun Life Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Jun 26

Duration	Returns
1 Month	0.6%
3 Month	1.6%
6 Month	2.9%
1 Year	6.1%
3 Year	7.2%
5 Year	6.4%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7.9%
2022	7.2%
2021	4.8%
2020	3.9%
2019	7%
2018	8.5%
2017	7.6%
2016	7.2%
2015	9.2%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	11.96 Yr.
Kaustubh Gupta	15 Jul 11	14.89 Yr.
Monika Gandhi	22 Mar 21	5.2 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 30 Apr 26

Asset Allocation

Asset Class	Value
Cash	28.11%
Debt	71.56%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	70.53%
Government	19.93%
Cash Equivalent	9.22%

Credit Quality

Rating	Value
AA	32.23%
AAA	67.77%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	5%	₹982 Cr	100,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	4%	₹743 Cr	15,800
Shriram Finance Limited Debentures \| -	3%	₹607 Cr	60,000
HDFC Bank Ltd. Debentures \| -	3%	₹537 Cr	11,000
Bharti Telecom Limited Debentures \| -	2%	₹395 Cr	40,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹388 Cr	39,000
Muthoot Finance Limited Debentures \| -	2%	₹348 Cr	35,000
Vedanta Limited Debentures \| -	2%	₹326 Cr	32,500
Mankind Pharma Limited Debentures \| -	2%	₹321 Cr	32,000
Avanse Financial Services Limited Debentures \| -	1%	₹300 Cr	30,000

2. Aditya Birla Sun Life Corporate Bond Fund

(Erstwhile Aditya Birla Sun Life Short Term Fund)

An Open-ended income scheme with the objective to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market securities.

Research Highlights for Aditya Birla Sun Life Corporate Bond Fund

Upper mid AUM (₹25,168 Cr).
Oldest track record among peers (29 yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 3.87% (bottom quartile).
1M return: 0.76% (upper mid).
Sharpe: -0.87 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.64% (lower mid).
Modified duration: 4.13 yrs (bottom quartile).
Average maturity: 7.00 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for Aditya Birla Sun Life Corporate Bond Fund

Aditya Birla Sun Life Corporate Bond Fund Growth
Launch Date	3 Mar 97
NAV (09 Jun 26)	₹117.831 ↑ 0.37 (0.31 %)
Net Assets (Cr)	₹25,168 on 30 Apr 26
Category	Debt - Corporate Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.52
Sharpe Ratio	-0.87
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.64%
Effective Maturity	7 Years
Modified Duration	4 Years 1 Month 17 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,281
31 May 23	₹11,011
31 May 24	₹11,825
31 May 25	₹13,026
31 May 26	₹13,408

Aditya Birla Sun Life Corporate 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 Aditya Birla Sun Life Corporate 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 9 Jun 26

Duration	Returns
1 Month	0.8%
3 Month	1.1%
6 Month	1.8%
1 Year	3.9%
3 Year	7.1%
5 Year	6.2%
10 Year
15 Year
Since launch	8.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	8.5%
2022	7.3%
2021	4.1%
2020	4%
2019	11.9%
2018	9.6%
2017	7%
2016	6.5%
2015	10.2%

Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund

Name	Since	Tenure
Kaustubh Gupta	12 Apr 21	5.14 Yr.

Data below for Aditya Birla Sun Life Corporate Bond Fund as on 30 Apr 26

Asset Allocation

Asset Class	Value
Cash	4.58%
Debt	95.09%
Other	0.34%

Debt Sector Allocation

Sector	Value
Corporate	55.82%
Government	39.26%
Cash Equivalent	4.58%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.48% Govt Stock 2035 Sovereign Bonds \| -	8%	₹1,966 Cr	204,535,600 ↑ 69,000,000
6.68% Govt Stock 2040 Sovereign Bonds \| -	7%	₹1,717 Cr	182,500,000 ↑ 7,500,000
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹1,203 Cr	121,000 ↓ -17,500
7.34% Govt Stock 2064 Sovereign Bonds \| -	3%	₹697 Cr	73,000,000 ↓ -23,500,000
Bharti Telecom Limited Debentures \| -	2%	₹573 Cr	58,000
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹571 Cr	59,000
Bharti Telecom Limited Debentures \| -	2%	₹504 Cr	50,900
Bajaj Housing Finance Limited Debentures \| -	2%	₹495 Cr	50,000
6.9% Govt Stock 2065 Sovereign Bonds \| -	2%	₹433 Cr	48,072,800 ↑ 41,500,000
Summit Digitel Infrastructure Limited Debentures \| -	2%	₹396 Cr	4,000

3. HDFC Corporate Bond Fund

(Erstwhile HDFC Medium Term Opportunities Fund)

To generate regular income through investments in Debt/ Money Market Instruments and Government Securities with maturities not exceeding 60 months.

Research Highlights for HDFC Corporate Bond Fund

Highest AUM (₹31,611 Cr).
Established history (15+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 3.62% (bottom quartile).
1M return: 0.80% (upper mid).
Sharpe: -0.90 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.65% (upper mid).
Modified duration: 4.23 yrs (bottom quartile).
Average maturity: 7.36 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for HDFC Corporate Bond Fund

HDFC Corporate Bond Fund Growth
Launch Date	29 Jun 10
NAV (09 Jun 26)	₹33.9259 ↑ 0.12 (0.35 %)
Net Assets (Cr)	₹31,611 on 30 Apr 26
Category	Debt - Corporate Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	-0.9
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.65%
Effective Maturity	7 Years 4 Months 10 Days
Modified Duration	4 Years 2 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,230
31 May 23	₹10,953
31 May 24	₹11,753
31 May 25	₹12,944
31 May 26	₹13,285

HDFC Corporate 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 HDFC Corporate 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 9 Jun 26

Duration	Returns
1 Month	0.8%
3 Month	1.1%
6 Month	1.7%
1 Year	3.6%
3 Year	7%
5 Year	6%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.3%
2023	8.6%
2022	7.2%
2021	3.3%
2020	3.9%
2019	11.8%
2018	10.3%
2017	6.5%
2016	6.5%
2015	10.6%

Fund Manager information for HDFC Corporate Bond Fund

Name	Since	Tenure
Anupam Joshi	27 Oct 15	10.6 Yr.
Dhruv Muchhal	22 Jun 23	2.94 Yr.

Data below for HDFC Corporate Bond Fund as on 30 Apr 26

Asset Allocation

Asset Class	Value
Cash	4.7%
Debt	94.97%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	60.15%
Government	35.03%
Cash Equivalent	4.49%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Govt Stock 2040 Sovereign Bonds \| -	5%	₹1,646 Cr	175,000,000 ↓ -5,000,000
6.9% Govt Stock 2065 Sovereign Bonds \| -	4%	₹1,127 Cr	125,000,000 ↓ -6,500,000
Bajaj Finance Limited Debentures \| -	3%	₹1,067 Cr	110,000
6.75% Govt Stock 2033 Sovereign Bonds \| -	3%	₹827 Cr	79,500,000 ↓ -500,000
State Bank Of India Debentures \| -	2%	₹762 Cr	775
LIC Housing Finance Ltd Debentures \| -	2%	₹499 Cr	5,000
HDFC Bank Limited Debentures \| -	2%	₹499 Cr	50,000
Small Industries Development Bank Of India Debentures \| -	2%	₹498 Cr	50,000
Rural Electrification Corporation Limited Debentures \| -	1%	₹459 Cr	4,500
Bajaj Housing Finance Limited Debentures \| -	1%	₹458 Cr	46,542

4. SBI Credit Risk Fund

(Erstwhile SBI Corporate Bond Fund)

The investment objective will be to actively manage a portfolio of good quality corporate debt as well as Money Market Instruments so as to provide reasonable returns and liquidity to the Unit holders. However there is no guarantee or assurance that the investment objective of the scheme will be achieved.

Research Highlights for SBI Credit Risk Fund

Bottom quartile AUM (₹2,134 Cr).
Established history (21+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 6.34% (top quartile).
1M return: 0.86% (top quartile).
Sharpe: 0.60 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.72% (top quartile).
Modified duration: 1.65 yrs (upper mid).
Average maturity: 2.02 yrs (upper mid).
Exit load: 0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL).

Below is the key information for SBI Credit Risk Fund

SBI Credit Risk Fund Growth
Launch Date	19 Jul 04
NAV (09 Jun 26)	₹48.5368 ↑ 0.10 (0.21 %)
Net Assets (Cr)	₹2,134 on 30 Apr 26
Category	Debt - Credit Risk
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.55
Sharpe Ratio	0.6
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL)
Yield to Maturity	8.72%
Effective Maturity	2 Years 7 Days
Modified Duration	1 Year 7 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,376
31 May 23	₹11,220
31 May 24	₹12,028
31 May 25	₹13,086
31 May 26	₹13,870

SBI Credit Risk 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 Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Jun 26

Duration	Returns
1 Month	0.9%
3 Month	2%
6 Month	3.4%
1 Year	6.3%
3 Year	7.6%
5 Year	6.9%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	8.1%
2022	8.3%
2021	4.2%
2020	5%
2019	9.8%
2018	6.5%
2017	6.2%
2016	6.9%
2015	10.5%

Fund Manager information for SBI Credit Risk Fund

Name	Since	Tenure
Lokesh Mallya	1 Feb 17	9.33 Yr.

Data below for SBI Credit Risk Fund as on 30 Apr 26

Asset Allocation

Asset Class	Value
Cash	7.68%
Equity	4.95%
Debt	86.98%
Other	0.39%

Debt Sector Allocation

Sector	Value
Corporate	62.72%
Government	21.24%
Cash Equivalent	7.68%
Securitized	3.02%

Credit Quality

Rating	Value
A	14.1%
AA	58.22%
AAA	27.69%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Infopark Properties Limited Debentures \| -	5%	₹105 Cr	10,500
Renew Solar Energy (Jharkhand Five) Private Limited Debentures \| -	5%	₹101 Cr	11,000
Nj Capital Private Limited Debentures \| -	5%	₹99 Cr	10,000
H.G. Infra Engineering Limited Debentures \| -	5%	₹99 Cr	10,000
Jtpm Metal TRaders Limited Debentures \| -	4%	₹94 Cr	9,000
6.68% Govt Stock 2040 Sovereign Bonds \| -	4%	₹94 Cr	10,000,000 ↑ 10,000,000
Avanse Financial Services Limited Debentures \| -	4%	₹80 Cr	8,000
Renserv Global Private Limited Debentures \| -	4%	₹80 Cr	8,000
Aditya Birla Renewables Limited Debentures \| -	4%	₹75 Cr	7,500
Motilal Oswal Home Finance Limited Debentures \| -	3%	₹75 Cr	7,500

5. HDFC Credit Risk Debt Fund

(Erstwhile HDFC Corporate Debt Opportunities Fund)

To generate regular income and capital appreciation by investing predominantly in corporate debt.

Research Highlights for HDFC Credit Risk Debt Fund

Bottom quartile AUM (₹7,522 Cr).
Established history (12+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.99% (upper mid).
1M return: 0.71% (lower mid).
Sharpe: 0.39 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.59% (upper mid).
Modified duration: 2.33 yrs (lower mid).
Average maturity: 3.74 yrs (lower mid).
Exit load: 0-12 Months (1%),12-18 Months (0.5%),18 Months and above(NIL).

Below is the key information for HDFC Credit Risk Debt Fund

HDFC Credit Risk Debt Fund Growth
Launch Date	25 Mar 14
NAV (09 Jun 26)	₹25.5222 ↑ 0.05 (0.20 %)
Net Assets (Cr)	₹7,522 on 30 Apr 26
Category	Debt - Credit Risk
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.51
Sharpe Ratio	0.39
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-12 Months (1%),12-18 Months (0.5%),18 Months and above(NIL)
Yield to Maturity	8.59%
Effective Maturity	3 Years 8 Months 26 Days
Modified Duration	2 Years 3 Months 29 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,380
31 May 23	₹11,078
31 May 24	₹11,839
31 May 25	₹12,925
31 May 26	₹13,630

HDFC Credit Risk 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 HDFC Credit Risk 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 9 Jun 26

Duration	Returns
1 Month	0.7%
3 Month	1.6%
6 Month	3%
1 Year	6%
3 Year	7.4%
5 Year	6.5%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8%
2023	8.2%
2022	6.6%
2021	3.7%
2020	7%
2019	10.9%
2018	8.6%
2017	5.4%
2016	6.6%
2015	11%

Fund Manager information for HDFC Credit Risk Debt Fund

Name	Since	Tenure
Praveen Jain	7 Mar 26	0.23 Yr.
Dhruv Muchhal	22 Jun 23	2.94 Yr.
Bhavyesh Divecha	7 Mar 26	0.23 Yr.

Data below for HDFC Credit Risk Debt Fund as on 30 Apr 26

Asset Allocation

Asset Class	Value
Cash	9.42%
Equity	3.52%
Debt	85.53%
Other	1.53%

Debt Sector Allocation

Sector	Value
Corporate	74.02%
Government	14.42%
Cash Equivalent	6.5%

Credit Quality

Rating	Value
A	12.24%
AA	56.96%
AAA	30.81%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
GMR Airports Limited Debentures \| -	5%	₹364 Cr	35,000
TATA Projects Limited Debentures \| -	3%	₹250 Cr	25,000
The Tata Power Company Limited Debentures \| -	3%	₹225 Cr	2,190
Jubilant Beverages Limited Debentures \| -	3%	₹208 Cr	19,190
Bamboo Hotel And Global Centre (Delhi) Private Limited Debentures \| -	3%	₹201 Cr	20,000
Kalpataru Projects International Limited Debentures \| -	3%	₹199 Cr	20,000
SK Finance Limited Debentures \| -	3%	₹199 Cr	20,000
Jubilant Bevco Limited Debentures \| -	3%	₹193 Cr	17,750
Nirma Limited Debentures \| -	2%	₹175 Cr	17,500
JSW Energy Limited Debentures \| -	2%	₹174 Cr	17,500

6. ICICI Prudential Savings Fund

(Erstwhile ICICI Prudential Flexible Income Plan)

To generate income through investments in a range of debt instruments 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 Savings Fund

Upper mid AUM (₹27,700 Cr).
Established history (23+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 5.97% (lower mid).
1M return: 0.57% (bottom quartile).
Sharpe: 1.35 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.57% (bottom quartile).
Modified duration: 0.91 yrs (upper mid).
Average maturity: 1.30 yrs (upper mid).
Exit load: NIL.

Below is the key information for ICICI Prudential Savings Fund

ICICI Prudential Savings Fund Growth
Launch Date	27 Sep 02
NAV (09 Jun 26)	₹576.244 ↑ 0.93 (0.16 %)
Net Assets (Cr)	₹27,700 on 30 Apr 26
Category	Debt - Low Duration
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.53
Sharpe Ratio	1.35
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.57%
Effective Maturity	1 Year 3 Months 18 Days
Modified Duration	10 Months 28 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,338
31 May 23	₹11,047
31 May 24	₹11,905
31 May 25	₹12,907
31 May 26	₹13,648

ICICI Prudential Savings 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 ICICI Prudential Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Jun 26

Duration	Returns
1 Month	0.6%
3 Month	1.5%
6 Month	2.8%
1 Year	6%
3 Year	7.5%
5 Year	6.5%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	8%
2022	7.6%
2021	4.5%
2020	3.8%
2019	8.6%
2018	8.8%
2017	7.3%
2016	7.1%
2015	9.1%

Fund Manager information for ICICI Prudential Savings Fund

Name	Since	Tenure
Nikhil Kabra	13 Sep 24	1.71 Yr.
Darshil Dedhia	12 Jun 23	2.97 Yr.

Data below for ICICI Prudential Savings Fund as on 30 Apr 26

Asset Allocation

Asset Class	Value
Cash	50.65%
Debt	49.04%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	72.79%
Cash Equivalent	17.53%
Government	9.37%

Credit Quality

Rating	Value
AA	13.8%
AAA	86.2%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	3%	₹862 Cr	875
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹650 Cr	65,000
6.52% Govt Stock 2031 Sovereign Bonds \| -	2%	₹623 Cr	60,500,000
7.33% Karnataka Sgs 2033 Sovereign Bonds \| -	2%	₹493 Cr	50,000,000
Bank of India Ltd. Debentures \| -	2%	₹473 Cr	10,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹453 Cr	45,500
Rec Limited Debentures \| -	2%	₹425 Cr	42,500
Bajaj Housing Finance Limited Debentures \| -	2%	₹419 Cr	42,500
Piramal Finance Limited Debentures \| -	1%	₹377 Cr	37,500
6.75% Govt Stock 2033 Sovereign Bonds \| -	1%	₹334 Cr	32,089,920

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