રોકાણ કરવા માટે ટોચના 10 શ્રેષ્ઠ ડાયરેક્ટ મ્યુચ્યુઅલ ફંડ

Updated on April 17, 2026 , 21287 views

મ્યુચ્યુઅલ ફંડ યોજનાઓ, બે યોજનાઓ ઓફર કરે છે- નિયમિત અને ડાયરેક્ટ. મોટાભાગના રોકાણકારોરોકાણ માંમ્યુચ્યુઅલ ફંડ સામાન્ય રીતે નિયમિત ફંડ પસંદ કરે છે, પરંતુ તેમ છતાં, નવા રોકાણકારોમાં ડાયરેક્ટ ફંડ્સ માટેના રસને કારણે માંગમાં વધારો થયો છે. ચાવીપરિબળ જે આ બંને યોજનાઓ વચ્ચેનો તફાવત છે તે ખર્ચ ગુણોત્તર છે, ડાયરેક્ટ પ્લાનનો ખર્ચ ગુણોત્તર નિયમિત યોજનાની તુલનામાં ઓછો છે.

પ્રત્યક્ષ યોજનાઓ અલગ યોજનાઓ નથી, પરંતુ તે ઓછા ખર્ચ ગુણોત્તર સાથે નિયમિત યોજનાની વિવિધતા છે. તેથી, એકરોકાણકાર જે મ્યુચ્યુઅલ ફંડમાં રોકાણ કરવા માંગે છે તે કાં તો નિયમિત પ્લાન અથવા ડાયરેક્ટ પ્લાન પસંદ કરી શકે છે. આદર્શરીતે, એક રોકાણકાર જે સ્વતંત્ર રીતે કરી શકે છેમ્યુચ્યુઅલ ફંડમાં રોકાણ કરો સલાહકારની મદદ લીધા વિના સીધી યોજનાઓમાં રોકાણ કરી શકે છે.

ચાલો રોકાણ કરવા માટેના કેટલાક શ્રેષ્ઠ ડાયરેક્ટ મ્યુચ્યુઅલ ફંડની સાથે ડાયરેક્ટ ફંડ રોકાણો વિશે વધુ જાણીએ.

ડાયરેક્ટ મ્યુચ્યુઅલ ફંડ રોકાણ શું છે?

સીમિત સંખ્યામાં ચેનલો દ્વારા ડાયરેક્ટ ફંડ ઉપલબ્ધ છે. રોકાણકાર મુખ્યત્વે ફંડ હાઉસ દ્વારા જ રોકાણ કરી શકે છે, બહુ ઓછા તૃતીય પક્ષ સિક્યોરિટીઝ મધ્યસ્થીઓ, આરટીએ જેમ કેCAMS/કાર્વી, અને ફંડ હાઉસના અધિકૃત સ્થાનિક પ્રતિનિધિઓ. મોટે ભાગે, સીધા મ્યુચ્યુઅલ ફંડ રોકાણોમાં, નાarn (અરજીસંદર્ભ નંબર) રોકાણકારની અરજીમાં ટાંકવામાં આવે છે. તેથી, રોકાણકારોને ચૂકવવામાં આવતું કમિશન ઘણું ઓછું અથવા ક્યારેક શૂન્ય હોય છે. આ માટે ગ્રાહક સંપાદનનો ખર્ચ ઘટે છેAMC.

એક્સ્પેન્સ રેશિયો સિવાય, ડાયરેક્ટ પ્લાન પણ એવા હોય છે જ્યાં ફંડ હાઉસ ચાર્જ લેતું નથીવિતરક ખર્ચ/ટ્રાન્ઝેક્શન શુલ્ક/ટ્રાયલ ફી. નેટ એસેટ વેલ્યુ (નથી) મ્યુચ્યુઅલ ફંડ-ડાયરેક્ટ પ્લાન નિયમિત મ્યુચ્યુઅલ ફંડ પ્લાનની સરખામણીમાં વધારે હોઈ શકે છે.

ડાયરેક્ટ પ્લાનનો એક્સપેન્સ રેશિયો ઓછો હોવાથી, એવું કહેવાય છે કે રોકાણકારોને નિયમિત પ્લાનની સરખામણીમાં વધુ વળતર મળશે. ફંડ હાઉસ એક્સપેન્સ રેશિયોના આધારે લગભગ 0.5 ટકાથી 1.5 ટકાનું વળતર વધારે હશે. તેથી, આદર્શ રીતે, રોકાણકારો કે જેઓ ખર્ચ ગુણોત્તર ઘટાડીને તેમના વળતરમાં વધારો કરવા માગે છે તેઓ સીધા મ્યુચ્યુઅલ ફંડ યોજનાઓમાં રોકાણ કરી શકે છે.

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ભારતમાં રોકાણ કરવા માટે શ્રેષ્ઠ ડાયરેક્ટ મ્યુચ્યુઅલ ફંડ

અહીં કેટલીક શ્રેષ્ઠ સીધી મ્યુચ્યુઅલ ફંડ આધારિત યોજનાઓ છે, ઓન-ઇક્વિટી અને હાઇબ્રિડ 3 વર્ષનું વળતર, 1 વર્ષના વળતર પર દેવું, જે તમે રોકાણ કરતી વખતે ધ્યાનમાં લઈ શકો છો.

શ્રેષ્ઠ ડાયરેક્ટ મ્યુચ્યુઅલ ફંડ પ્લાન્સ- ઇક્વિટી કેટેગરી

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Franklin Build India Fund - Direct Growth	₹171.004 ↑ 1.35	₹2,858	5.2	3.3	13.5	28.4	26.1	4.8
Franklin India Opportunities Fund - Direct Growth	₹276.065 ↑ 2.06	₹7,578	-3.1	-4	8.5	28.2	21.2	4.4
Franklin India Feeder - Franklin U S Opportunities Fund - Direct Growth	₹95.9269 ↓ -0.10	₹4,408	3.2	7.1	36.4	23.9	10.5	12.4
DSP Micro Cap Fund - Direct Growth	₹222.464 ↑ 1.89	₹15,300	5.4	4.9	17.8	22.5	21.3	-1.9
Franklin India Prima Fund - Direct Growth	₹3,028.48 ↑ 26.56	₹10,899	-2.4	-2.5	6.4	22.3	17.7	2.4
Sundaram SMILE Fund - Direct Growth	₹293.307 ↑ 4.21	₹2,983	2.5	0.9	14.4	21.9	20.8	1.5
IDBI Small Cap Fund - Direct Growth	₹34.2457 ↑ 0.47	₹552	7.8	0.6	8	20.6	20.6	-12.1
Edelweiss Economic Resurgence Fund - Direct Growth	₹44.626 ↑ 0.35	₹2,957	-3	-1.9	9.1	20.3	17.4	7
Franklin India Smaller Companies Fund - Direct Growth	₹189.521 ↑ 2.00	₹11,724	2.5	-0.8	6.9	20	21.3	-7.6
Franklin India Prima Plus - Direct Growth	₹1,779.6 ↑ 9.11	₹17,536	-3	-4	3.1	18.5	16.8	4.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Apr 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	Franklin Build India Fund - Direct	Franklin India Opportunities Fund - Direct	Franklin India Feeder - Franklin U S Opportunities Fund - Direct	DSP Micro Cap Fund - Direct	Franklin India Prima Fund - Direct	Sundaram SMILE Fund - Direct	IDBI Small Cap Fund - Direct	Edelweiss Economic Resurgence Fund - Direct	Franklin India Smaller Companies Fund - Direct	Franklin India Prima Plus - Direct
Point 1	Bottom quartile AUM (₹2,858 Cr).	Upper mid AUM (₹7,578 Cr).	Lower mid AUM (₹4,408 Cr).	Top quartile AUM (₹15,300 Cr).	Upper mid AUM (₹10,899 Cr).	Lower mid AUM (₹2,983 Cr).	Bottom quartile AUM (₹552 Cr).	Bottom quartile AUM (₹2,957 Cr).	Upper mid AUM (₹11,724 Cr).	Highest AUM (₹17,536 Cr).
Point 2	Oldest track record among peers (13 yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (8+ yrs).	Established history (11+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.
Point 4	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 26.10% (top quartile).	5Y return: 21.20% (upper mid).	5Y return: 10.54% (bottom quartile).	5Y return: 21.30% (upper mid).	5Y return: 17.69% (lower mid).	5Y return: 20.75% (upper mid).	5Y return: 20.59% (lower mid).	5Y return: 17.44% (bottom quartile).	5Y return: 21.32% (top quartile).	5Y return: 16.82% (bottom quartile).
Point 6	3Y return: 28.38% (top quartile).	3Y return: 28.15% (top quartile).	3Y return: 23.92% (upper mid).	3Y return: 22.51% (upper mid).	3Y return: 22.31% (upper mid).	3Y return: 21.94% (lower mid).	3Y return: 20.61% (lower mid).	3Y return: 20.28% (bottom quartile).	3Y return: 20.04% (bottom quartile).	3Y return: 18.47% (bottom quartile).
Point 7	1Y return: 13.49% (upper mid).	1Y return: 8.47% (lower mid).	1Y return: 36.40% (top quartile).	1Y return: 17.79% (top quartile).	1Y return: 6.40% (bottom quartile).	1Y return: 14.37% (upper mid).	1Y return: 8.00% (lower mid).	1Y return: 9.08% (upper mid).	1Y return: 6.93% (bottom quartile).	1Y return: 3.11% (bottom quartile).
Point 8	Alpha: 0.00 (upper mid).	Alpha: 2.07 (upper mid).	Alpha: -6.27 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: -6.44 (bottom quartile).	Alpha: 5.60 (top quartile).	Alpha: -2.77 (bottom quartile).	Alpha: 2.79 (top quartile).	Alpha: -0.53 (lower mid).	Alpha: -1.79 (lower mid).
Point 9	Sharpe: -0.05 (upper mid).	Sharpe: -0.33 (lower mid).	Sharpe: 1.07 (top quartile).	Sharpe: -0.01 (top quartile).	Sharpe: -0.53 (bottom quartile).	Sharpe: -0.13 (upper mid).	Sharpe: -0.65 (bottom quartile).	Sharpe: -0.29 (upper mid).	Sharpe: -0.50 (lower mid).	Sharpe: -0.61 (bottom quartile).
Point 10	Information ratio: 0.00 (upper mid).	Information ratio: 1.49 (top quartile).	Information ratio: -1.44 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: -0.48 (bottom quartile).	Information ratio: -0.18 (lower mid).	Information ratio: -0.41 (lower mid).	Information ratio: 1.20 (top quartile).	Information ratio: -0.48 (bottom quartile).	Information ratio: 0.79 (upper mid).

Franklin Build India Fund - Direct

Bottom quartile AUM (₹2,858 Cr).
Oldest track record among peers (13 yrs).
Not Rated.
Risk profile: High.
5Y return: 26.10% (top quartile).
3Y return: 28.38% (top quartile).
1Y return: 13.49% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.05 (upper mid).
Information ratio: 0.00 (upper mid).

Franklin India Opportunities Fund - Direct

Upper mid AUM (₹7,578 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 21.20% (upper mid).
3Y return: 28.15% (top quartile).
1Y return: 8.47% (lower mid).
Alpha: 2.07 (upper mid).
Sharpe: -0.33 (lower mid).
Information ratio: 1.49 (top quartile).

Franklin India Feeder - Franklin U S Opportunities Fund - Direct

Lower mid AUM (₹4,408 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: High.
5Y return: 10.54% (bottom quartile).
3Y return: 23.92% (upper mid).
1Y return: 36.40% (top quartile).
Alpha: -6.27 (bottom quartile).
Sharpe: 1.07 (top quartile).
Information ratio: -1.44 (bottom quartile).

DSP Micro Cap Fund - Direct

Top quartile AUM (₹15,300 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 21.30% (upper mid).
3Y return: 22.51% (upper mid).
1Y return: 17.79% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.01 (top quartile).
Information ratio: 0.00 (upper mid).

Franklin India Prima Fund - Direct

Upper mid AUM (₹10,899 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 17.69% (lower mid).
3Y return: 22.31% (upper mid).
1Y return: 6.40% (bottom quartile).
Alpha: -6.44 (bottom quartile).
Sharpe: -0.53 (bottom quartile).
Information ratio: -0.48 (bottom quartile).

Sundaram SMILE Fund - Direct

Lower mid AUM (₹2,983 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 20.75% (upper mid).
3Y return: 21.94% (lower mid).
1Y return: 14.37% (upper mid).
Alpha: 5.60 (top quartile).
Sharpe: -0.13 (upper mid).
Information ratio: -0.18 (lower mid).

IDBI Small Cap Fund - Direct

Bottom quartile AUM (₹552 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 20.59% (lower mid).
3Y return: 20.61% (lower mid).
1Y return: 8.00% (lower mid).
Alpha: -2.77 (bottom quartile).
Sharpe: -0.65 (bottom quartile).
Information ratio: -0.41 (lower mid).

Edelweiss Economic Resurgence Fund - Direct

Bottom quartile AUM (₹2,957 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: High.
5Y return: 17.44% (bottom quartile).
3Y return: 20.28% (bottom quartile).
1Y return: 9.08% (upper mid).
Alpha: 2.79 (top quartile).
Sharpe: -0.29 (upper mid).
Information ratio: 1.20 (top quartile).

Franklin India Smaller Companies Fund - Direct

Upper mid AUM (₹11,724 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 21.32% (top quartile).
3Y return: 20.04% (bottom quartile).
1Y return: 6.93% (bottom quartile).
Alpha: -0.53 (lower mid).
Sharpe: -0.50 (lower mid).
Information ratio: -0.48 (bottom quartile).

Franklin India Prima Plus - Direct

Highest AUM (₹17,536 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.82% (bottom quartile).
3Y return: 18.47% (bottom quartile).
1Y return: 3.11% (bottom quartile).
Alpha: -1.79 (lower mid).
Sharpe: -0.61 (bottom quartile).
Information ratio: 0.79 (upper mid).

શ્રેષ્ઠ ડાયરેક્ટ મ્યુચ્યુઅલ ફંડ પ્લાન્સ- ડેટ કેટેગરી

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Franklin India Income Builder Account - Plan A - Direct Growth	₹113.357 ↑ 0.02	₹1,255	1.7	2.7	8	8.1	6.7	9.7
Franklin India Savings Plus Fund Retail Option - Direct Growth	₹54.5773 ↓ 0.00	₹3,959	1.7	3.1	6.7	7.5	6.4	7.6
Edelweiss Bond Fund - Direct Growth	₹32.9974 ↓ 0.00	₹2,508	1.8	3.2	6.7	7.4	6.2	7.6
UTI Money Market Fund - Direct Growth	₹3,285.52 ↓ -0.09	₹18,344	1.7	3.1	6.7	7.5	6.5	7.6
UTI Treasury Advantage Fund - Direct Growth	₹3,788 ↑ 0.54	₹2,246	1.7	2.9	6.6	7.4	7.4	7.7
HDFC Floating Rate Income Fund - Short Term Plan - Direct Growth	₹53.5557 ↑ 0.01	₹16,415	1.7	2.8	6.5	8	6.9	8.1
Edelweiss Liquid Fund - Direct Growth	₹3,580.17 ↑ 0.54	₹8,877	1.8	3.2	6.4	7.1	6.1	6.6
Mahindra Liquid Fund - Direct Growth	₹1,804.22 ↑ 0.28	₹1,012	1.8	3.2	6.4	7.1	6.1	6.6
UTI Liquid Cash Plan - Direct Growth	₹4,541.19 ↑ 0.69	₹19,763	1.8	3.2	6.4	7	6.1	6.6
Franklin India Treasury Management Account - Regular Plan - Direct Growth	₹4,162.5 ↑ 0.63	₹2,123	1.7	3.2	6.4	7	6.1	6.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Apr 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	Franklin India Income Builder Account - Plan A - Direct	Franklin India Savings Plus Fund Retail Option - Direct	Edelweiss Bond Fund - Direct	UTI Money Market Fund - Direct	UTI Treasury Advantage Fund - Direct	HDFC Floating Rate Income Fund - Short Term Plan - Direct	Edelweiss Liquid Fund - Direct	Mahindra Liquid Fund - Direct	UTI Liquid Cash Plan - Direct	Franklin India Treasury Management Account - Regular Plan - Direct
Point 1	Bottom quartile AUM (₹1,255 Cr).	Upper mid AUM (₹3,959 Cr).	Lower mid AUM (₹2,508 Cr).	Top quartile AUM (₹18,344 Cr).	Lower mid AUM (₹2,246 Cr).	Upper mid AUM (₹16,415 Cr).	Upper mid AUM (₹8,877 Cr).	Bottom quartile AUM (₹1,012 Cr).	Highest AUM (₹19,763 Cr).	Bottom quartile AUM (₹2,123 Cr).
Point 2	Oldest track record among peers (13 yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (9+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.
Point 4	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 7.96% (top quartile).	1Y return: 6.70% (top quartile).	1Y return: 6.69% (upper mid).	1Y return: 6.69% (upper mid).	1Y return: 6.59% (upper mid).	1Y return: 6.52% (lower mid).	1Y return: 6.40% (lower mid).	1Y return: 6.39% (bottom quartile).	1Y return: 6.38% (bottom quartile).	1Y return: 6.36% (bottom quartile).
Point 6	1M return: 0.50% (bottom quartile).	1M return: 0.80% (top quartile).	1M return: 0.83% (top quartile).	1M return: 0.80% (upper mid).	1M return: 0.70% (bottom quartile).	1M return: 0.58% (bottom quartile).	1M return: 0.76% (upper mid).	1M return: 0.75% (lower mid).	1M return: 0.77% (upper mid).	1M return: 0.74% (lower mid).
Point 7	Sharpe: 0.98 (bottom quartile).	Sharpe: 1.90 (upper mid).	Sharpe: 1.83 (lower mid).	Sharpe: 1.85 (lower mid).	Sharpe: 1.40 (bottom quartile).	Sharpe: 1.00 (bottom quartile).	Sharpe: 3.70 (upper mid).	Sharpe: 3.58 (upper mid).	Sharpe: 3.76 (top quartile).	Sharpe: 3.99 (top 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): 7.43% (upper mid).	Yield to maturity (debt): 6.40% (lower mid).	Yield to maturity (debt): 7.23% (upper mid).	Yield to maturity (debt): 6.03% (bottom quartile).	Yield to maturity (debt): 6.85% (lower mid).	Yield to maturity (debt): 7.76% (top quartile).	Yield to maturity (debt): 7.42% (upper mid).	Yield to maturity (debt): 7.58% (top quartile).	Yield to maturity (debt): 6.03% (bottom quartile).	Yield to maturity (debt): 6.30% (bottom quartile).
Point 10	Modified duration: 2.93 yrs (bottom quartile).	Modified duration: 0.53 yrs (upper mid).	Modified duration: 0.80 yrs (bottom quartile).	Modified duration: 0.58 yrs (lower mid).	Modified duration: 0.77 yrs (lower mid).	Modified duration: 1.77 yrs (bottom quartile).	Modified duration: 0.19 yrs (upper mid).	Modified duration: 0.15 yrs (top quartile).	Modified duration: 0.09 yrs (top quartile).	Modified duration: 0.15 yrs (upper mid).

Franklin India Income Builder Account - Plan A - Direct

Bottom quartile AUM (₹1,255 Cr).
Oldest track record among peers (13 yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 7.96% (top quartile).
1M return: 0.50% (bottom quartile).
Sharpe: 0.98 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.43% (upper mid).
Modified duration: 2.93 yrs (bottom quartile).

Franklin India Savings Plus Fund Retail Option - Direct

Upper mid AUM (₹3,959 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 6.70% (top quartile).
1M return: 0.80% (top quartile).
Sharpe: 1.90 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.40% (lower mid).
Modified duration: 0.53 yrs (upper mid).

Edelweiss Bond Fund - Direct

Lower mid AUM (₹2,508 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 6.69% (upper mid).
1M return: 0.83% (top quartile).
Sharpe: 1.83 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.23% (upper mid).
Modified duration: 0.80 yrs (bottom quartile).

UTI Money Market Fund - Direct

Top quartile AUM (₹18,344 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.69% (upper mid).
1M return: 0.80% (upper mid).
Sharpe: 1.85 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.03% (bottom quartile).
Modified duration: 0.58 yrs (lower mid).

UTI Treasury Advantage Fund - Direct

Lower mid AUM (₹2,246 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 6.59% (upper mid).
1M return: 0.70% (bottom quartile).
Sharpe: 1.40 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.85% (lower mid).
Modified duration: 0.77 yrs (lower mid).

HDFC Floating Rate Income Fund - Short Term Plan - Direct

Upper mid AUM (₹16,415 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 6.52% (lower mid).
1M return: 0.58% (bottom quartile).
Sharpe: 1.00 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.76% (top quartile).
Modified duration: 1.77 yrs (bottom quartile).

Edelweiss Liquid Fund - Direct

Upper mid AUM (₹8,877 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.40% (lower mid).
1M return: 0.76% (upper mid).
Sharpe: 3.70 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.42% (upper mid).
Modified duration: 0.19 yrs (upper mid).

Mahindra Liquid Fund - Direct

Bottom quartile AUM (₹1,012 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.39% (bottom quartile).
1M return: 0.75% (lower mid).
Sharpe: 3.58 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.58% (top quartile).
Modified duration: 0.15 yrs (top quartile).

UTI Liquid Cash Plan - Direct

Highest AUM (₹19,763 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.38% (bottom quartile).
1M return: 0.77% (upper mid).
Sharpe: 3.76 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.03% (bottom quartile).
Modified duration: 0.09 yrs (top quartile).

Franklin India Treasury Management Account - Regular Plan - Direct

Bottom quartile AUM (₹2,123 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.36% (bottom quartile).
1M return: 0.74% (lower mid).
Sharpe: 3.99 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.30% (bottom quartile).
Modified duration: 0.15 yrs (upper mid).

શ્રેષ્ઠ ડાયરેક્ટ મ્યુચ્યુઅલ ફંડ પ્લાન્સ- હાઇબ્રિડ કેટેગરી

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
UTI Wealth Builder Fund - Direct Growth	₹87.2977 ↑ 0.61	₹6,379	-1.6	0.2	11.3	19.9	15.4	12.4
JM Balanced Fund - Direct Growth	₹134.199 ↑ 0.75	₹652	-2.1	-4.7	2.1	19.2	16.4	-1.6
Edelweiss Prudent Advantage Fund - Direct Growth	₹73.86 ↑ 0.38	₹3,309	-0.6	-1.6	7.1	17.7	16.8	7.6
UTI Balanced Fund - Direct Growth	₹438.018 ↑ 2.00	₹6,115	-2.3	-0.1	5.5	16.4	15.2	7.1
BNP Paribas Balanced Fund - Direct Growth	₹32.0256 ↑ 0.18	₹1,146	-0.8	-0.6	6.7	15.7	13.9	5.3
Axis Dynamic Equity Fund - Direct Growth	₹23.84 ↑ 0.12	₹3,558	-1	0	5.5	15.5	12.2	8.2
Franklin India Balanced Fund - Direct Growth	₹306.564 ↑ 1.41	₹2,164	-1.6	-2.6	3.7	15.1	13.2	4.7
Edelweiss Equity Savings Advantage Fund - Direct Growth	₹29.1895 ↑ 0.08	₹1,233	1.1	1.9	8.8	12.5	10.6	9
UTI SPREAD Fund - Direct Growth	₹39.2523 ↓ 0.00	₹10,500	1.7	3.3	6.6	7.7	6.6	7.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Apr 26

Research Highlights & Commentary of 9 Funds showcased

Commentary	UTI Wealth Builder Fund - Direct	JM Balanced Fund - Direct	Edelweiss Prudent Advantage Fund - Direct	UTI Balanced Fund - Direct	BNP Paribas Balanced Fund - Direct	Axis Dynamic Equity Fund - Direct	Franklin India Balanced Fund - Direct	Edelweiss Equity Savings Advantage Fund - Direct	UTI SPREAD Fund - Direct
Point 1	Top quartile AUM (₹6,379 Cr).	Bottom quartile AUM (₹652 Cr).	Lower mid AUM (₹3,309 Cr).	Upper mid AUM (₹6,115 Cr).	Bottom quartile AUM (₹1,146 Cr).	Upper mid AUM (₹3,558 Cr).	Lower mid AUM (₹2,164 Cr).	Bottom quartile AUM (₹1,233 Cr).	Highest AUM (₹10,500 Cr).
Point 2	Oldest track record among peers (13 yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (9+ yrs).	Established history (8+ yrs).	Established history (13+ yrs).	Established history (11+ yrs).	Established history (13+ yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately Low.
Point 5	5Y return: 15.40% (upper mid).	5Y return: 16.40% (top quartile).	5Y return: 16.76% (top quartile).	5Y return: 15.19% (upper mid).	5Y return: 13.87% (lower mid).	5Y return: 12.23% (bottom quartile).	5Y return: 13.20% (lower mid).	5Y return: 10.63% (bottom quartile).	5Y return: 6.57% (bottom quartile).
Point 6	3Y return: 19.88% (top quartile).	3Y return: 19.17% (top quartile).	3Y return: 17.66% (upper mid).	3Y return: 16.39% (upper mid).	3Y return: 15.67% (lower mid).	3Y return: 15.48% (lower mid).	3Y return: 15.11% (bottom quartile).	3Y return: 12.48% (bottom quartile).	3Y return: 7.66% (bottom quartile).
Point 7	1Y return: 11.28% (top quartile).	1Y return: 2.08% (bottom quartile).	1Y return: 7.06% (upper mid).	1Y return: 5.54% (lower mid).	1Y return: 6.73% (upper mid).	1Y return: 5.49% (bottom quartile).	1Y return: 3.68% (bottom quartile).	1Y return: 8.80% (top quartile).	1Y return: 6.58% (lower mid).
Point 8	1M return: 3.40% (lower mid).	1M return: 5.61% (top quartile).	1M return: 4.22% (top quartile).	1M return: 3.36% (lower mid).	1M return: 3.96% (upper mid).	1M return: 2.76% (bottom quartile).	1M return: 3.65% (upper mid).	1M return: 2.48% (bottom quartile).	1M return: 0.60% (bottom quartile).
Point 9	Alpha: 0.00 (upper mid).	Alpha: -3.77 (bottom quartile).	Alpha: 0.70 (top quartile).	Alpha: 0.61 (top quartile).	Alpha: 0.44 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: -1.76 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: -0.05 (upper mid).	Sharpe: -0.82 (bottom quartile).	Sharpe: -0.47 (upper mid).	Sharpe: -0.48 (lower mid).	Sharpe: -0.49 (lower mid).	Sharpe: -0.52 (bottom quartile).	Sharpe: -0.71 (bottom quartile).	Sharpe: 0.06 (top quartile).	Sharpe: 2.98 (top quartile).

UTI Wealth Builder Fund - Direct

Top quartile AUM (₹6,379 Cr).
Oldest track record among peers (13 yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 15.40% (upper mid).
3Y return: 19.88% (top quartile).
1Y return: 11.28% (top quartile).
1M return: 3.40% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.05 (upper mid).

JM Balanced Fund - Direct

Bottom quartile AUM (₹652 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.40% (top quartile).
3Y return: 19.17% (top quartile).
1Y return: 2.08% (bottom quartile).
1M return: 5.61% (top quartile).
Alpha: -3.77 (bottom quartile).
Sharpe: -0.82 (bottom quartile).

Edelweiss Prudent Advantage Fund - Direct

Lower mid AUM (₹3,309 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.76% (top quartile).
3Y return: 17.66% (upper mid).
1Y return: 7.06% (upper mid).
1M return: 4.22% (top quartile).
Alpha: 0.70 (top quartile).
Sharpe: -0.47 (upper mid).

UTI Balanced Fund - Direct

Upper mid AUM (₹6,115 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 15.19% (upper mid).
3Y return: 16.39% (upper mid).
1Y return: 5.54% (lower mid).
1M return: 3.36% (lower mid).
Alpha: 0.61 (top quartile).
Sharpe: -0.48 (lower mid).

BNP Paribas Balanced Fund - Direct

Bottom quartile AUM (₹1,146 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 13.87% (lower mid).
3Y return: 15.67% (lower mid).
1Y return: 6.73% (upper mid).
1M return: 3.96% (upper mid).
Alpha: 0.44 (upper mid).
Sharpe: -0.49 (lower mid).

Axis Dynamic Equity Fund - Direct

Upper mid AUM (₹3,558 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 12.23% (bottom quartile).
3Y return: 15.48% (lower mid).
1Y return: 5.49% (bottom quartile).
1M return: 2.76% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.52 (bottom quartile).

Franklin India Balanced Fund - Direct

Lower mid AUM (₹2,164 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 13.20% (lower mid).
3Y return: 15.11% (bottom quartile).
1Y return: 3.68% (bottom quartile).
1M return: 3.65% (upper mid).
Alpha: -1.76 (bottom quartile).
Sharpe: -0.71 (bottom quartile).

Edelweiss Equity Savings Advantage Fund - Direct

Bottom quartile AUM (₹1,233 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 10.63% (bottom quartile).
3Y return: 12.48% (bottom quartile).
1Y return: 8.80% (top quartile).
1M return: 2.48% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.06 (top quartile).

UTI SPREAD Fund - Direct

Highest AUM (₹10,500 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
5Y return: 6.57% (bottom quartile).
3Y return: 7.66% (bottom quartile).
1Y return: 6.58% (lower mid).
1M return: 0.60% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.98 (top quartile).

Disclaimer:
અહીં આપેલી માહિતી સચોટ છે તેની ખાતરી કરવા માટેના તમામ પ્રયાસો કરવામાં આવ્યા છે. જો કે, ડેટાની શુદ્ધતા અંગે કોઈ ગેરંટી આપવામાં આવતી નથી. કોઈપણ રોકાણ કરતા પહેલા કૃપા કરીને સ્કીમ માહિતી દસ્તાવેજ સાથે ચકાસો.