Tણ મ્યુચ્યુઅલ ફંડમાં શ્રેષ્ઠ ડાયરેક્ટ પ્લાન

Updated on July 6, 2026 , 1524 views

મ્યુચ્યુઅલ ફંડ બે યોજનાઓ પ્રદાન કરે છે- નિયમિત અને ડાયરેક્ટ. ઘણા વર્ષોથી નિયમિત યોજનાઓ વિકલ્પમાં રહી છે, જ્યારે પ્રથમ સીધી યોજના વર્ષ ૨૦૧ in માં રજૂ કરવામાં આવી હતી. પરંતુ, સીધી યોજનાઓ તેની અનન્ય સુવિધાઓ અને ફાયદાને કારણે નવા રોકાણકારોમાં ભારે લોકપ્રિયતા મેળવી રહી છે. જોકે, હાલમાં સીધી યોજનાઓ ફક્ત મર્યાદિત પ્લેટફોર્મ દ્વારા જ ઉપલબ્ધ છે, પરંતુ તેની માંગને ધ્યાનમાં રાખીને, ઘણી ચેનલો સીધી યોજનાઓ રજૂ કરી રહી છે. રોકાણકારો જે રોકાણ કરવા માંગે છેTણ ભંડોળ સીધા યોજનાઓ પસંદ કરીને, અહીં કેટલાક શ્રેષ્ઠ ડાયરેક્ટ પેન્સ fundsણ ભંડોળની સાથે, ડાયરેક્ટ ફંડ્સ, ડેટ ફંડ્સની ટૂંકી સમજ શું છે તેની ઝલક છે.

ડાયરેક્ટ ફંડ્સ તમારા માટે કેમ છે?

નિયમિત ભંડોળથી વિપરીત, સીધા ભંડોળ મર્યાદિત ચેનલો દ્વારા ઉપલબ્ધ થાય છે જેમ કે મ્યુચ્યુઅલ ફંડ કંપની, કાર્વી / આરટીએ જેવા આરટીએ દ્વારા.સીએએમએસ, મર્યાદિત થર્ડ પાર્ટી સિક્યોરિટીઝ વચેટિયાઓ અને ફંડ હાઉસના સ્થાનિક પ્રતિનિધિઓ. સલાહકારો અથવા મધ્યસ્થીની સહાય વિના સ્વતંત્ર રીતે રોકાણ અને તેમના રોકાણોને ટ્રેક કરી શકે તેવા રોકાણકારો ફંડ હાઉસમાંથી સીધી યોજનાઓમાં રોકાણ કરી શકે છે.

સીધા ભંડોળમાં, નિયમિત ભંડોળ જેવા કોઈ ખર્ચ ખર્ચ નથી. ત્યાં કોઈ છેવિતરક શુલ્ક / ટ્રાન્ઝેક્શન ચાર્જર્સ, વગેરે, સીધી યોજનાઓનો ખર્ચ ગુણોત્તર ઓછો છે. વળતર પર પણ આ અસર. ડાયરેક્ટ મ્યુચ્યુઅલ ફંડનો ખર્ચ ગુણોત્તર ઓછો હોવાથી, તે નિયમિત યોજનાઓ કરતા થોડો વધારે હોઈ શકે છે - લગભગ 0.5 ટકાથી 1.5 ટકા વધારે. આ એક કારણ છે કે રોકાણકારો સીધા ભંડોળની પસંદગી કરી રહ્યા છે.

આદર્શરીતે, એકરોકાણકાર જેમને મ્યુચ્યુઅલ ફંડના રોકાણનો અનુભવ છે અને માર્કેટની ગતિવિધિઓ વિશેનું યોગ્ય જ્ knowledgeાન તે સીધી યોજનાઓ માટે પસંદ કરે છે. નવા રોકાણકારો કે જેના વિશે ખાતરી નથીજોખમ ભૂખ અને બજાર આદર્શ રીતે પસંદ કરવું જોઈએમ્યુચ્યુઅલ ફંડ્સ નિયમિત યોજનાઓ સાથે.

Tણ ભંડોળના રોકાણને સમજવું

Tણ ભંડોળ એ એક પ્રકારનું મ્યુચ્યુઅલ ફંડ છે જે મુખ્યત્વે નિશ્ચિત આવકની સલામતીમાં રોકાણ કરે છેબોન્ડ્સ, સરકારી સિક્યોરિટીઝ, ટ્રેઝરી બિલ, વગેરે. જો આપણે debtણ ભંડોળના વર્ગીકરણ પર નજર કરીએ તો, તેમને પરિપક્વતા - ટૂંકા, મધ્ય અને લાંબા ગાળાના સમયગાળા મુજબ વર્ગીકૃત કરવામાં આવે છે. આ એવા રોકાણકારો માટે વિવિધ વિકલ્પો આપે છે કે જેઓ debtણ ભંડોળમાં રોકાણ કરવા માગે છે.

જે લોકો રોકાણોમાં વધારે જોખમ લેવા માંગતા નથી અથવા જે ટાળવા માંગતા હોય તેમના માટે ડેટ ફંડ્સ એક સારો વિકલ્પ છેરોકાણ ખૂબ અસ્થિર માંઇક્વિટી ફંડ્સ. આ ભંડોળ નિયમિત અને સ્થિર આવક પ્રદાન કરે છે, જોકે, ઇક્વિટી ફંડ્સની તુલનામાં વળતર ઓછું હોય છે.

પરિપક્વતા મુજબ tણ ભંડોળના પ્રકાર

ટૂંકા ગાળાના tણ ભંડોળ- રાતોરાત ભંડોળ,લિક્વિડ ફંડ્સ, અલ્ટ્રાટૂંકા ગાળાના ભંડોળ, ઓછી અવધિ ભંડોળ
મધ્યમ ગાળાની tણ ભંડોળ- ટૂંકા ગાળાના ભંડોળ, મધ્યમ અવધિ ભંડોળ, મધ્યમથી લાંબા ગાળાના ભંડોળ
લાંબા ગાળાના debtણ ભંડોળ- લાંબા ગાળાના ભંડોળ
બોન્ડ ઓરિએન્ટેડ ફંડ્સ-ગતિશીલ બોન્ડ ફંડ્સ, કોર્પોરેટ બોન્ડ ફંડ્સ

Ready to Invest?
Talk to our investment specialist

શ્રેષ્ઠ tણ મ્યુચ્યુઅલ ફંડ્સ ડાયરેક્ટ યોજનાઓ

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
Franklin India Treasury Management Account - Regular Plan - Direct Growth	₹4,222.59 ↑ 0.32	₹3,722	1.7	3.3	6.4	7	6.2	6.7
Edelweiss Liquid Fund - Direct Growth	₹3,630.75 ↑ 0.28	₹15,222	1.7	3.4	6.4	7	6.3	6.6
UTI Liquid Cash Plan - Direct Growth	₹460.477 ↑ 0.04	₹33,248	1.6	3.3	6.4	7	6.3	6.6
Mahindra Liquid Fund - Direct Growth	₹1,828.96 ↑ 0.11	₹1,088	1.6	3.3	6.3	7	6.3	6.6
Edelweiss Bond Fund - Direct Growth	₹33.4573 ↓ -0.02	₹2,050	1.7	3.2	6.3	7.3	6.3	7.6
HDFC Floating Rate Income Fund - Short Term Plan - Direct Growth	₹54.445 ↓ -0.11	₹16,405	2	3.3	6.2	7.9	7	8.1
UTI Money Market Fund - Direct Growth	₹3,331.29 ↓ -1.79	₹18,611	1.7	3.2	6.2	7.4	6.6	7.6
Franklin India Savings Plus Fund Retail Option - Direct Growth	₹55.3283 ↓ -0.02	₹4,443	1.7	3.2	6.2	7.4	6.5	7.6
Franklin India Banking And PSU Debt Fund - Direct Growth	₹25.0136 ↓ -0.03	₹583	1.9	3.2	6.2	7.6	6.5	8.3
UTI Treasury Advantage Fund - Direct Growth	₹3,841.42 ↓ -3.40	₹3,151	1.7	3.1	6.1	7.3	7.5	7.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Jul 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	Franklin India Treasury Management Account - Regular Plan - Direct	Edelweiss Liquid Fund - Direct	UTI Liquid Cash Plan - Direct	Mahindra Liquid Fund - Direct	Edelweiss Bond Fund - Direct	HDFC Floating Rate Income Fund - Short Term Plan - Direct	UTI Money Market Fund - Direct	Franklin India Savings Plus Fund Retail Option - Direct	Franklin India Banking And PSU Debt Fund - Direct	UTI Treasury Advantage Fund - Direct
Point 1	Lower mid AUM (₹3,722 Cr).	Upper mid AUM (₹15,222 Cr).	Highest AUM (₹33,248 Cr).	Bottom quartile AUM (₹1,088 Cr).	Bottom quartile AUM (₹2,050 Cr).	Upper mid AUM (₹16,405 Cr).	Top quartile AUM (₹18,611 Cr).	Upper mid AUM (₹4,443 Cr).	Bottom quartile AUM (₹583 Cr).	Lower mid AUM (₹3,151 Cr).
Point 2	Oldest track record among peers (13 yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (10+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (12+ 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: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	1Y return: 6.38% (top quartile).	1Y return: 6.38% (top quartile).	1Y return: 6.37% (upper mid).	1Y return: 6.34% (upper mid).	1Y return: 6.26% (upper mid).	1Y return: 6.24% (lower mid).	1Y return: 6.24% (lower mid).	1Y return: 6.24% (bottom quartile).	1Y return: 6.18% (bottom quartile).	1Y return: 6.11% (bottom quartile).
Point 6	1M return: 0.63% (lower mid).	1M return: 0.60% (bottom quartile).	1M return: 0.60% (bottom quartile).	1M return: 0.58% (bottom quartile).	1M return: 0.82% (top quartile).	1M return: 0.97% (top quartile).	1M return: 0.82% (upper mid).	1M return: 0.79% (upper mid).	1M return: 0.78% (lower mid).	1M return: 0.79% (upper mid).
Point 7	Sharpe: 2.96 (top quartile).	Sharpe: 2.58 (upper mid).	Sharpe: 2.80 (top quartile).	Sharpe: 2.78 (upper mid).	Sharpe: 0.57 (lower mid).	Sharpe: -0.26 (bottom quartile).	Sharpe: 0.52 (lower mid).	Sharpe: 0.65 (upper mid).	Sharpe: -0.28 (bottom quartile).	Sharpe: 0.20 (bottom 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): 6.81% (lower mid).	Yield to maturity (debt): 6.51% (bottom quartile).	Yield to maturity (debt): 6.62% (bottom quartile).	Yield to maturity (debt): 6.26% (bottom quartile).	Yield to maturity (debt): 7.68% (upper mid).	Yield to maturity (debt): 7.64% (upper mid).	Yield to maturity (debt): 7.58% (upper mid).	Yield to maturity (debt): 7.76% (top quartile).	Yield to maturity (debt): 7.50% (lower mid).	Yield to maturity (debt): 7.77% (top quartile).
Point 10	Modified duration: 0.10 yrs (upper mid).	Modified duration: 0.10 yrs (top quartile).	Modified duration: 0.10 yrs (top quartile).	Modified duration: 0.12 yrs (upper mid).	Modified duration: 0.58 yrs (lower mid).	Modified duration: 1.74 yrs (bottom quartile).	Modified duration: 0.56 yrs (lower mid).	Modified duration: 0.41 yrs (upper mid).	Modified duration: 1.19 yrs (bottom quartile).	Modified duration: 0.69 yrs (bottom quartile).

Franklin India Treasury Management Account - Regular Plan - Direct

Lower mid AUM (₹3,722 Cr).
Oldest track record among peers (13 yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.38% (top quartile).
1M return: 0.63% (lower mid).
Sharpe: 2.96 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.81% (lower mid).
Modified duration: 0.10 yrs (upper mid).

Edelweiss Liquid Fund - Direct

Upper mid AUM (₹15,222 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.38% (top quartile).
1M return: 0.60% (bottom quartile).
Sharpe: 2.58 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.51% (bottom quartile).
Modified duration: 0.10 yrs (top quartile).

UTI Liquid Cash Plan - Direct

Highest AUM (₹33,248 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.37% (upper mid).
1M return: 0.60% (bottom quartile).
Sharpe: 2.80 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.62% (bottom quartile).
Modified duration: 0.10 yrs (top quartile).

Mahindra Liquid Fund - Direct

Bottom quartile AUM (₹1,088 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.34% (upper mid).
1M return: 0.58% (bottom quartile).
Sharpe: 2.78 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.26% (bottom quartile).
Modified duration: 0.12 yrs (upper mid).

Edelweiss Bond Fund - Direct

Bottom quartile AUM (₹2,050 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 6.26% (upper mid).
1M return: 0.82% (top quartile).
Sharpe: 0.57 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.68% (upper mid).
Modified duration: 0.58 yrs (lower mid).

HDFC Floating Rate Income Fund - Short Term Plan - Direct

Upper mid AUM (₹16,405 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 6.24% (lower mid).
1M return: 0.97% (top quartile).
Sharpe: -0.26 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.64% (upper mid).
Modified duration: 1.74 yrs (bottom quartile).

UTI Money Market Fund - Direct

Top quartile AUM (₹18,611 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.24% (lower mid).
1M return: 0.82% (upper mid).
Sharpe: 0.52 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.58% (upper mid).
Modified duration: 0.56 yrs (lower mid).

Franklin India Savings Plus Fund Retail Option - Direct

Upper mid AUM (₹4,443 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 6.24% (bottom quartile).
1M return: 0.79% (upper mid).
Sharpe: 0.65 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.76% (top quartile).
Modified duration: 0.41 yrs (upper mid).

Franklin India Banking And PSU Debt Fund - Direct

Bottom quartile AUM (₹583 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 6.18% (bottom quartile).
1M return: 0.78% (lower mid).
Sharpe: -0.28 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.50% (lower mid).
Modified duration: 1.19 yrs (bottom quartile).

UTI Treasury Advantage Fund - Direct

Lower mid AUM (₹3,151 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 6.11% (bottom quartile).
1M return: 0.79% (upper mid).
Sharpe: 0.20 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.77% (top quartile).
Modified duration: 0.69 yrs (bottom quartile).

1. Franklin India Treasury Management Account - Regular Plan - Direct

Aims to provide current income with high liquidity.

Research Highlights for Franklin India Treasury Management Account - Regular Plan - Direct

Lower mid AUM (₹3,722 Cr).
Oldest track record among peers (13 yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.38% (top quartile).
1M return: 0.63% (lower mid).
Sharpe: 2.96 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.81% (lower mid).
Modified duration: 0.10 yrs (upper mid).
Average maturity: 0.11 yrs (upper mid).
Exit load: NIL.

Below is the key information for Franklin India Treasury Management Account - Regular Plan - Direct

Franklin India Treasury Management Account - Regular Plan - Direct Growth
Launch Date	1 Jan 13
NAV (08 Jul 26)	₹4,222.59 ↑ 0.32 (0.01 %)
Net Assets (Cr)	₹3,722 on 31 May 26
Category	Debt - Liquid Fund
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	Not Rated
Risk	Low
Expense Ratio	0.12
Sharpe Ratio	2.96
Information Ratio	0
Alpha Ratio	0
Min Investment
Min SIP Investment
Exit Load	NIL
Yield to Maturity	6.81%
Effective Maturity	1 Month 10 Days
Modified Duration	1 Month 6 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,366
30 Jun 23	₹11,035
30 Jun 24	₹11,848
30 Jun 25	₹12,715
30 Jun 26	₹13,531

Franklin India Treasury Management Account - Regular Plan - Direct SIP Returns

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

Purchase not allowed

Returns for Franklin India Treasury Management Account - Regular Plan - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Jul 26

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.3%
1 Year	6.4%
3 Year	7%
5 Year	6.2%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.7%
2024	7.5%
2023	7%
2022	4.9%
2021	3.3%
2020	4.4%
2019	6.9%
2018	7.5%
2017	6.8%
2016	7.7%

Fund Manager information for Franklin India Treasury Management Account - Regular Plan - Direct

Name	Since	Tenure
Pallab Roy	25 Jun 08	18.03 Yr.
Rohan Maru	10 Oct 24	1.72 Yr.

Data below for Franklin India Treasury Management Account - Regular Plan - Direct as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	95.16%
Debt	4.68%
Other	0.15%

Debt Sector Allocation

Sector	Value
Cash Equivalent	87.2%
Corporate	12.64%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Call, Cash & Other Assets CBLO \| -	11%	₹528 Cr
09/07/2026 Maturing 182 DTB Sovereign Bonds \| -	6%	₹299 Cr	30,000,000 ↑ 30,000,000
HDFC Securities Limited Commercial Paper \| -	6%	₹285 Cr	5,800 ↑ 5,800
Union Bank of India Debentures \| -	5%	₹246 Cr	5,000 ↑ 5,000
Small Industries Development Bank Of India Debentures \| -	5%	₹233 Cr	22,000 ↑ 22,000
Rec Limited Debentures \| -	4%	₹213 Cr	20,000
Bank of Baroda Debentures \| -	4%	₹212 Cr	4,300
Small Industries Development Bank of India Commercial Paper \| -	4%	₹197 Cr	4,000 ↑ 4,000
Canara Bank Domestic Bonds \| -	3%	₹148 Cr	3,000 ↑ 3,000
HDFC Bank Ltd. Debentures \| -	3%	₹148 Cr	3,000

2. Edelweiss Liquid Fund - Direct

The investment objective of the Scheme is to provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through a portfolio of money market and debt securities. However, there can be no assurance that the investment objectives of the Scheme will be realized.

Research Highlights for Edelweiss Liquid Fund - Direct

Upper mid AUM (₹15,222 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.38% (top quartile).
1M return: 0.60% (bottom quartile).
Sharpe: 2.58 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.51% (bottom quartile).
Modified duration: 0.10 yrs (top quartile).
Average maturity: 0.10 yrs (top quartile).
Exit load: NIL.

Below is the key information for Edelweiss Liquid Fund - Direct

Edelweiss Liquid Fund - Direct Growth
Launch Date	1 Jan 13
NAV (08 Jul 26)	₹3,630.75 ↑ 0.28 (0.01 %)
Net Assets (Cr)	₹15,222 on 31 May 26
Category	Debt - Liquid Fund
AMC	Edelweiss Asset Management Limited
Rating	Not Rated
Risk	Low
Expense Ratio	0.08
Sharpe Ratio	2.58
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.51%
Effective Maturity	1 Month 6 Days
Modified Duration	1 Month 6 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,365
30 Jun 23	₹11,043
30 Jun 24	₹11,866
30 Jun 25	₹12,732
30 Jun 26	₹13,550

Edelweiss Liquid Fund - Direct 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 Edelweiss Liquid Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Jul 26

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.4%
1 Year	6.4%
3 Year	7%
5 Year	6.3%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.6%
2024	7.5%
2023	7.1%
2022	4.9%
2021	3.5%
2020	4.4%
2019	6.8%
2018	7.5%
2017	6.7%
2016	6.9%

Fund Manager information for Edelweiss Liquid Fund - Direct

Name	Since	Tenure
Rahul Dedhia	11 Dec 17	8.56 Yr.
Hetul Raval	22 Sep 25	0.77 Yr.

Data below for Edelweiss Liquid Fund - Direct as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	99.79%
Other	0.21%

Debt Sector Allocation

Sector	Value
Cash Equivalent	82.61%
Government	10.04%
Corporate	7.14%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reverse Repo CBLO/Reverse Repo \| -	8%	₹1,100 Cr
Net Receivables/(Payables) CBLO \| -	5%	-₹690 Cr
Clearing Corporation Of India Ltd. CBLO/Reverse Repo \| -	4%	₹551 Cr
India (Republic of) - \| -	4%	₹521 Cr	52,500,000 ↑ 2,500,000
Hindustan Petroleum Corp Ltd. Commercial Paper \| -	4%	₹500 Cr	50,000,000 ↓ -25,000,000
India (Republic of) - \| -	4%	₹496 Cr	50,000,000
Reliance Retail Vent Cp 16-09-26 Vd1706** Net Current Assets \| -	3%	₹393 Cr	40,000,000 ↑ 40,000,000
Bank of Baroda Debentures \| -	2%	₹346 Cr	35,000,000
Axis Bank Ltd. Debentures \| -	2%	₹346 Cr	35,000,000
23/07/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹303 Cr	30,500,000

3. UTI Liquid Cash Plan - Direct

The investment objective of the scheme is to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of money market securities and high quality debt.

Research Highlights for UTI Liquid Cash Plan - Direct

Highest AUM (₹33,248 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.37% (upper mid).
1M return: 0.60% (bottom quartile).
Sharpe: 2.80 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.62% (bottom quartile).
Modified duration: 0.10 yrs (top quartile).
Average maturity: 0.10 yrs (top quartile).
Exit load: NIL.

Below is the key information for UTI Liquid Cash Plan - Direct

UTI Liquid Cash Plan - Direct Growth
Launch Date	1 Jan 13
NAV (08 Jul 26)	₹460.477 ↑ 0.04 (0.01 %)
Net Assets (Cr)	₹33,248 on 31 May 26
Category	Debt - Liquid Fund
AMC	UTI Asset Management Company Ltd
Rating	Not Rated
Risk	Low
Expense Ratio	0.17
Sharpe Ratio	2.8
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	1,500
Exit Load	NIL
Yield to Maturity	6.62%
Effective Maturity	1 Month 6 Days
Modified Duration	1 Month 5 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,368
30 Jun 23	₹11,045
30 Jun 24	₹11,859
30 Jun 25	₹12,720
30 Jun 26	₹13,536

UTI Liquid Cash Plan - Direct 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 UTI Liquid Cash Plan - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Jul 26

Duration	Returns
1 Month	0.6%
3 Month	1.6%
6 Month	3.3%
1 Year	6.4%
3 Year	7%
5 Year	6.3%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.6%
2024	7.4%
2023	7.1%
2022	4.9%
2021	3.4%
2020	4.3%
2019	6.7%
2018	7.5%
2017	6.7%
2016	7.7%

Fund Manager information for UTI Liquid Cash Plan - Direct

Name	Since	Tenure
Amit Sharma	7 Jul 17	8.9 Yr.

Data below for UTI Liquid Cash Plan - Direct as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	99.79%
Other	0.21%

Debt Sector Allocation

Sector	Value
Cash Equivalent	79.74%
Corporate	12.88%
Government	7.17%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Net Current Assets Net Current Assets \| -	15%	₹4,847 Cr
India (Republic of) - \| -	3%	₹899 Cr	9,000,000,000
Small Industries Development Bank Of India Commercial Paper \| -	3%	₹893 Cr	9,000,000,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	2%	₹749 Cr	7,500,000,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	2%	₹748 Cr	7,500,000,000
India (Republic of) - \| -	2%	₹741 Cr	7,500,000,000 ↑ 7,500,000,000
HDFC Bank Ltd. Debentures \| -	2%	₹639 Cr	6,500,000,000 ↑ 6,500,000,000
Icici Securities Limited Commercial Paper \| -	2%	₹600 Cr	6,000,000,000
Canara Bank Certificate of Deposit \| -	2%	₹499 Cr	5,000,000,000
Export-Import Bank of India Commercial Paper \| -	2%	₹499 Cr	5,000,000,000

4. Mahindra Liquid Fund - Direct

The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of money market and debt instruments. However, there is no assurance that the investment objective of the Scheme will be realized and the Scheme does not assure or guarantee any returns.

Research Highlights for Mahindra Liquid Fund - Direct

Bottom quartile AUM (₹1,088 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.34% (upper mid).
1M return: 0.58% (bottom quartile).
Sharpe: 2.78 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.26% (bottom quartile).
Modified duration: 0.12 yrs (upper mid).
Average maturity: 0.13 yrs (upper mid).
Exit load: NIL.

Below is the key information for Mahindra Liquid Fund - Direct

Mahindra Liquid Fund - Direct Growth
Launch Date	4 Jul 16
NAV (08 Jul 26)	₹1,828.96 ↑ 0.11 (0.01 %)
Net Assets (Cr)	₹1,088 on 31 May 26
Category	Debt - Liquid Fund
AMC	Mahindra Asset Management Company Pvt. Ltd.
Rating	Not Rated
Risk	Low
Expense Ratio	0.15
Sharpe Ratio	2.78
Information Ratio	0
Alpha Ratio	0
Min Investment
Min SIP Investment
Exit Load	NIL
Yield to Maturity	6.26%
Effective Maturity	1 Month 16 Days
Modified Duration	1 Month 13 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,371
30 Jun 23	₹11,051
30 Jun 24	₹11,872
30 Jun 25	₹12,736
30 Jun 26	₹13,549

Mahindra Liquid Fund - Direct SIP Returns

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

Purchase not allowed

Returns for Mahindra Liquid Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Jul 26

Duration	Returns
1 Month	0.6%
3 Month	1.6%
6 Month	3.3%
1 Year	6.3%
3 Year	7%
5 Year	6.3%
10 Year
15 Year
Since launch	6.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.6%
2024	7.5%
2023	7.2%
2022	5%
2021	3.4%
2020	4.4%
2019	6.9%
2018	7.5%
2017	6.8%
2016

Fund Manager information for Mahindra Liquid Fund - Direct

Name	Since	Tenure
Rahul Pal	4 Jul 16	10 Yr.
Amit Garg	8 Jun 20	6.06 Yr.

Data below for Mahindra Liquid Fund - Direct as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	99.71%
Other	0.29%

Debt Sector Allocation

Sector	Value
Cash Equivalent	71.3%
Corporate	19.64%
Government	8.76%

Credit Quality

Rating	Value
AA	4.84%
AAA	95.16%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	9%	₹99 Cr	10,000,000
Triparty Repo CBLO/Reverse Repo \| -	8%	₹95 Cr
Power Finance Corporation Limited Commercial Paper \| -	7%	₹75 Cr	7,500,000 ↑ 2,500,000
HDFC Securities Limited Commercial Paper \| -	7%	₹74 Cr	7,500,000
Small Industries Dev Bank Of India Commercial Paper \| -	4%	₹50 Cr	5,000,000
Union Bank Of India Certificate of Deposit \| -	4%	₹50 Cr	5,000,000
Union Bank of India Debentures \| -	4%	₹50 Cr	5,000,000
Tata Realty And Infrastructure Limited Commercial Paper \| -	4%	₹50 Cr	5,000,000
Bank Of Baroda Certificate of Deposit \| -	4%	₹49 Cr	5,000,000 ↑ 5,000,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	4%	₹49 Cr	5,000,000

5. Edelweiss Bond Fund - Direct

To generate optimal returns while maintaining liquidity through active management of the portfolio by investing in debt and money market instruments. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for Edelweiss Bond Fund - Direct

Bottom quartile AUM (₹2,050 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 6.26% (upper mid).
1M return: 0.82% (top quartile).
Sharpe: 0.57 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.68% (upper mid).
Modified duration: 0.58 yrs (lower mid).
Average maturity: 0.58 yrs (lower mid).
Exit load: NIL.

Below is the key information for Edelweiss Bond Fund - Direct

Edelweiss Bond Fund - Direct Growth
Launch Date	1 Jan 13
NAV (08 Jul 26)	₹33.4573 ↓ -0.02 (-0.05 %)
Net Assets (Cr)	₹2,050 on 31 May 26
Category	Debt - Dynamic Bond
AMC	Edelweiss Asset Management Limited
Rating	Not Rated
Risk	Moderate
Expense Ratio	0.16
Sharpe Ratio	0.57
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.68%
Effective Maturity	6 Months 29 Days
Modified Duration	6 Months 29 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,346
30 Jun 23	₹11,001
30 Jun 24	₹11,810
30 Jun 25	₹12,782
30 Jun 26	₹13,605

Edelweiss Bond Fund - Direct 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 Edelweiss Bond Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Jul 26

Duration	Returns
1 Month	0.8%
3 Month	1.7%
6 Month	3.2%
1 Year	6.3%
3 Year	7.3%
5 Year	6.3%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.6%
2024	7.7%
2023	7.2%
2022	4.3%
2021	3.7%
2020	7.2%
2019	13.4%
2018	6.6%
2017	3.6%
2016	10.5%

Fund Manager information for Edelweiss Bond Fund - Direct

Name	Since	Tenure
Rahul Dedhia	22 Sep 25	0.77 Yr.
Hetul Raval	1 Jul 24	2 Yr.

Data below for Edelweiss Bond Fund - Direct as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	85.46%
Debt	14.25%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	60.91%
Cash Equivalent	26.7%
Government	12.11%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
17/09/2026 Maturing 364 DTB Sovereign Bonds \| -	4%	₹99 Cr	10,000,000
Bank of Baroda Debentures \| -	4%	₹98 Cr	10,000,000
23/07/2026 Maturing 364 DTB Sovereign Bonds \| -	2%	₹55 Cr	5,500,000
Indian Bank Domestic Bonds \| -	2%	₹49 Cr	5,000,000
Bank of Baroda Debentures \| -	2%	₹48 Cr	5,000,000 ↑ 5,000,000
Axis Bank Ltd. Debentures \| -	2%	₹48 Cr	5,000,000 ↑ 5,000,000
7.29% Kerala SDL 2026 Sovereign Bonds \| -	0%	₹10 Cr	1,000,000 ↑ 1,000,000
Sbi Cdmdf--A2 - \| -	0%	₹7 Cr	5,927
Reverse Repo CBLO/Reverse Repo \| -	7%	₹185 Cr
National Bank For Agriculture And Rural Development Certificate of Deposit \| -	6%	₹143 Cr	15,000,000

6. HDFC Floating Rate Income Fund - Short Term Plan - Direct

The investment objective of the scheme is to generate regular income through investment in a portfolio comprising substantially of floating & fixed rate debt & money market instruments swapped for floating rate returns and fixed rate debt securities and money market instruments.

Research Highlights for HDFC Floating Rate Income Fund - Short Term Plan - Direct

Upper mid AUM (₹16,405 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 6.24% (lower mid).
1M return: 0.97% (top quartile).
Sharpe: -0.26 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.64% (upper mid).
Modified duration: 1.74 yrs (bottom quartile).
Average maturity: 3.70 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for HDFC Floating Rate Income Fund - Short Term Plan - Direct

HDFC Floating Rate Income Fund - Short Term Plan - Direct Growth
Launch Date	1 Jan 13
NAV (08 Jul 26)	₹54.445 ↓ -0.11 (-0.21 %)
Net Assets (Cr)	₹16,405 on 31 May 26
Category	Debt - Floating Rate
AMC	HDFC Asset Management Company Limited
Rating	Not Rated
Risk	Moderately Low
Expense Ratio	0.25
Sharpe Ratio	-0.27
Information Ratio	0
Alpha Ratio	0
Min Investment
Min SIP Investment
Exit Load	NIL
Yield to Maturity	7.64%
Effective Maturity	3 Years 8 Months 12 Days
Modified Duration	1 Year 8 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,335
30 Jun 23	₹11,131
30 Jun 24	₹12,037
30 Jun 25	₹13,154
30 Jun 26	₹14,018

HDFC Floating Rate Income Fund - Short Term Plan - Direct SIP Returns

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

Purchase not allowed

Returns for HDFC Floating Rate Income Fund - Short Term Plan - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Jul 26

Duration	Returns
1 Month	1%
3 Month	2%
6 Month	3.3%
1 Year	6.2%
3 Year	7.9%
5 Year	7%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	8.1%
2024	8.5%
2023	7.9%
2022	4.8%
2021	4.4%
2020	9.4%
2019	8.7%
2018	7.4%
2017	7%
2016	9.1%

Fund Manager information for HDFC Floating Rate Income Fund - Short Term Plan - Direct

Name	Since	Tenure
Anil Bamboli	7 Mar 26	0.32 Yr.
Dhruv Muchhal	22 Jun 23	3.03 Yr.

Data below for HDFC Floating Rate Income Fund - Short Term Plan - Direct as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	6.52%
Debt	93.19%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	60.96%
Government	35.24%
Cash Equivalent	3.51%

Credit Quality

Rating	Value
AA	12.98%
AAA	87.02%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.45% Govt Stock 2034 Sovereign Bonds \| -	8%	₹1,305 Cr	127,000,000 ↓ -25,000,000
6.52% Govt Stock 2031 Sovereign Bonds \| -	7%	₹1,089 Cr	106,000,000
6.75% Govt Stock 2033 Sovereign Bonds \| -	7%	₹1,083 Cr	104,141,200
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	4%	₹696 Cr	695
Jubilant Beverages Limited Debentures \| -	3%	₹480 Cr	43,600
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹401 Cr	40,000
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	2%	₹401 Cr	400
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹371 Cr	37,000 ↑ 13,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹351 Cr	35,000
Aadhar Housing Finance Limited Debentures \| -	2%	₹301 Cr	30,000

7. UTI Money Market Fund - Direct

To provide highest possible current income consistent with preservation of capital and providing liquidity from investing in a diversified portfolio of short term money market securities.

Research Highlights for UTI Money Market Fund - Direct

Top quartile AUM (₹18,611 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.24% (lower mid).
1M return: 0.82% (upper mid).
Sharpe: 0.52 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.58% (upper mid).
Modified duration: 0.56 yrs (lower mid).
Average maturity: 0.56 yrs (upper mid).
Exit load: NIL.

Below is the key information for UTI Money Market Fund - Direct

UTI Money Market Fund - Direct Growth
Launch Date	1 Jan 13
NAV (08 Jul 26)	₹3,331.29 ↓ -1.79 (-0.05 %)
Net Assets (Cr)	₹18,611 on 31 May 26
Category	Debt - Money Market
AMC	UTI Asset Management Company Ltd
Rating	Not Rated
Risk	Low
Expense Ratio	0.17
Sharpe Ratio	0.52
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.58%
Effective Maturity	6 Months 20 Days
Modified Duration	6 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,390
30 Jun 23	₹11,109
30 Jun 24	₹11,950
30 Jun 25	₹12,943
30 Jun 26	₹13,773

UTI Money Market Fund - Direct SIP Returns

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

Purchase not allowed

Returns for UTI Money Market Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Jul 26

Duration	Returns
1 Month	0.8%
3 Month	1.7%
6 Month	3.2%
1 Year	6.2%
3 Year	7.4%
5 Year	6.6%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.6%
2024	7.8%
2023	7.5%
2022	5%
2021	3.8%
2020	6.1%
2019	8.1%
2018	7.9%
2017	6.8%
2016	7.8%

Fund Manager information for UTI Money Market Fund - Direct

Name	Since	Tenure
Anurag Mittal	1 Dec 21	4.58 Yr.
Amit Sharma	7 Jul 17	8.99 Yr.

Data below for UTI Money Market Fund - Direct as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	86.17%
Debt	13.52%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	46.48%
Cash Equivalent	35.25%
Government	17.97%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	4%	₹654 Cr	6,629,850,000
Indusind Bank Ltd. Debentures \| -	2%	₹338 Cr	3,500,000,000 ↑ 3,500,000,000
Tbill Sovereign Bonds \| -	2%	₹297 Cr	3,000,000,000
Tbill Sovereign Bonds \| -	2%	₹296 Cr	3,000,000,000
5.74% Govt Stock 2026 Sovereign Bonds \| -	2%	₹280 Cr	2,800,000,000
Tbill Sovereign Bonds \| -	1%	₹248 Cr	2,500,000,000
Tbill Sovereign Bonds \| -	1%	₹198 Cr	2,000,000,000
Indian Bank Domestic Bonds \| -	1%	₹195 Cr	2,000,000,000
Axis Bank Ltd. Debentures \| -	1%	₹191 Cr	2,000,000,000 ↑ 2,000,000,000
Indian Overseas Bank Debentures \| -	1%	₹190 Cr	2,000,000,000

8. Franklin India Savings Plus Fund Retail Option - Direct

Aims to provide income consistent with the prudent risk from a portfolio comprising substantially of floating rate debt instruments, fixed rate debt instruments swapped for floating rate returns, and also fixed rate instruments and money market instruments.

Research Highlights for Franklin India Savings Plus Fund Retail Option - Direct

Upper mid AUM (₹4,443 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 6.24% (bottom quartile).
1M return: 0.79% (upper mid).
Sharpe: 0.65 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.76% (top quartile).
Modified duration: 0.41 yrs (upper mid).
Average maturity: 0.57 yrs (lower mid).
Exit load: NIL.

Below is the key information for Franklin India Savings Plus Fund Retail Option - Direct

Franklin India Savings Plus Fund Retail Option - Direct Growth
Launch Date	1 Jan 13
NAV (08 Jul 26)	₹55.3283 ↓ -0.02 (-0.04 %)
Net Assets (Cr)	₹4,443 on 31 May 26
Category	Debt - Money Market
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	Not Rated
Risk	Moderately Low
Expense Ratio	0.14
Sharpe Ratio	0.65
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.76%
Effective Maturity	6 Months 25 Days
Modified Duration	4 Months 28 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,362
30 Jun 23	₹11,063
30 Jun 24	₹11,894
30 Jun 25	₹12,888
30 Jun 26	₹13,714

Franklin India Savings Plus Fund Retail Option - Direct 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 Franklin India Savings Plus Fund Retail Option - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Jul 26

Duration	Returns
1 Month	0.8%
3 Month	1.7%
6 Month	3.2%
1 Year	6.2%
3 Year	7.4%
5 Year	6.5%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.6%
2024	7.8%
2023	7.4%
2022	4.6%
2021	3.7%
2020	6.2%
2019	8.6%
2018	7.7%
2017	7.3%
2016	8.5%

Fund Manager information for Franklin India Savings Plus Fund Retail Option - Direct

Name	Since	Tenure
Rahul Goswami	6 Oct 23	2.74 Yr.
Rohan Maru	10 Oct 24	1.72 Yr.
Chandni Gupta	30 Apr 24	2.17 Yr.

Data below for Franklin India Savings Plus Fund Retail Option - Direct as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	97.16%
Debt	2.57%
Other	0.27%

Debt Sector Allocation

Sector	Value
Cash Equivalent	45.27%
Corporate	37.49%
Government	16.97%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Bank Ltd. Debentures \| -	2%	₹96 Cr	2,000
India (Republic of) - \| -	1%	₹50 Cr	5,000,000
Corporate Debt Market Development Fund Class A2 - \| -	0%	₹11 Cr	8,992
6.88% Westbengal Sdl 2026 Sovereign Bonds \| -	0%	₹5 Cr	500,000
Call, Cash & Other Assets CBLO \| -	13%	₹510 Cr
Bajaj Housing Finance Ltd. Commercial Paper \| -	7%	₹285 Cr	6,000
Piramal Finance Limited Commercial Paper \| -	7%	₹257 Cr	5,300
HDFC Bank Ltd Certificate of Deposit \| -	6%	₹238 Cr	5,000
National Bank For Agriculture And Rural Development Certificate of Deposit \| -	6%	₹220 Cr	4,600
Canara Bank Certificate of Deposit \| -	5%	₹190 Cr	4,000

9. Franklin India Banking And PSU Debt Fund - Direct

The fund seeks to provide income through a portfolio of debt and money market instruments consisting predominantly of securities issued by entities such as Banks and Public Sector Undertakings (PSUs). However, there is no assurance or guarantee that the objective of the scheme will be achieved.

Research Highlights for Franklin India Banking And PSU Debt Fund - Direct

Bottom quartile AUM (₹583 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 6.18% (bottom quartile).
1M return: 0.78% (lower mid).
Sharpe: -0.28 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.50% (lower mid).
Modified duration: 1.19 yrs (bottom quartile).
Average maturity: 2.62 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for Franklin India Banking And PSU Debt Fund - Direct

Franklin India Banking And PSU Debt Fund - Direct Growth
Launch Date	25 Apr 14
NAV (08 Jul 26)	₹25.0136 ↓ -0.03 (-0.11 %)
Net Assets (Cr)	₹583 on 31 May 26
Category	Debt - Banking & PSU Debt
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	Not Rated
Risk	Moderate
Expense Ratio	0.18
Sharpe Ratio	-0.28
Information Ratio	0
Alpha Ratio	0
Min Investment
Min SIP Investment
Exit Load	NIL
Yield to Maturity	7.5%
Effective Maturity	2 Years 7 Months 13 Days
Modified Duration	1 Year 2 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,289
30 Jun 23	₹10,998
30 Jun 24	₹11,785
30 Jun 25	₹12,881
30 Jun 26	₹13,694

Franklin India Banking And PSU Debt Fund - Direct SIP Returns

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

Purchase not allowed

Returns for Franklin India Banking And PSU Debt Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Jul 26

Duration	Returns
1 Month	0.8%
3 Month	1.9%
6 Month	3.2%
1 Year	6.2%
3 Year	7.6%
5 Year	6.5%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	8.3%
2024	8.1%
2023	7.2%
2022	3.6%
2021	4%
2020	9.5%
2019	11.6%
2018	7.3%
2017	6.8%
2016	10.2%

Fund Manager information for Franklin India Banking And PSU Debt Fund - Direct

Name	Since	Tenure
Anuj Tagra	7 Mar 24	2.32 Yr.
Chandni Gupta	7 Mar 24	2.32 Yr.
Sandeep Manam	18 Oct 21	4.7 Yr.

Data below for Franklin India Banking And PSU Debt Fund - Direct as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	44.7%
Debt	54.95%
Other	0.36%

Debt Sector Allocation

Sector	Value
Corporate	71.51%
Government	21.49%
Cash Equivalent	6.64%

Credit Quality

Rating	Value
AA	3.33%
AAA	96.67%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Maharashtra SDL Sovereign Bonds \| -	5%	₹31 Cr	3,100,000
India Infrastructure Finance Company Limited Debentures \| -	5%	₹31 Cr	3,000
Axis Bank Limited Debentures \| -	4%	₹26 Cr	250
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹26 Cr	2,500 ↑ 2,500
Mahindra And Mahindra Financial Services Limited Debentures \| -	4%	₹25 Cr	2,500
Rec Limited Debentures \| -	4%	₹23 Cr	2,341 ↑ 2,341
Small Industries Development Bank of India Debentures \| -	4%	₹23 Cr	500 ↑ 500
Rec Limited Debentures \| -	4%	₹21 Cr	3,700
Power Finance Corporation Limited Debentures \| -	4%	₹20 Cr	2,000
7.71% Govt Stock 2066 Sovereign Bonds \| -	2%	₹14 Cr	1,391,400 ↑ 1,391,400

10. UTI Treasury Advantage Fund - Direct

The scheme will endeavour to generate an attractive return for its investors consistent with capital preservation and liquidity by investing in a portfolio of quality debt securities, money market instruments and structured obligations.

Research Highlights for UTI Treasury Advantage Fund - Direct

Lower mid AUM (₹3,151 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 6.11% (bottom quartile).
1M return: 0.79% (upper mid).
Sharpe: 0.20 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.77% (top quartile).
Modified duration: 0.69 yrs (bottom quartile).
Average maturity: 0.88 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for UTI Treasury Advantage Fund - Direct

UTI Treasury Advantage Fund - Direct Growth
Launch Date	1 Jan 13
NAV (08 Jul 26)	₹3,841.42 ↓ -3.40 (-0.09 %)
Net Assets (Cr)	₹3,151 on 31 May 26
Category	Debt - Low Duration
AMC	UTI Asset Management Company Ltd
Rating	Not Rated
Risk	Moderately Low
Expense Ratio	0.37
Sharpe Ratio	0.2
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.77%
Effective Maturity	10 Months 17 Days
Modified Duration	8 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,888
30 Jun 23	₹11,614
30 Jun 24	₹12,454
30 Jun 25	₹13,507
30 Jun 26	₹14,360

UTI Treasury Advantage Fund - Direct SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for UTI Treasury Advantage Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Jul 26

Duration	Returns
1 Month	0.8%
3 Month	1.7%
6 Month	3.1%
1 Year	6.1%
3 Year	7.3%
5 Year	7.5%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.7%
2024	7.8%
2023	7.2%
2022	4.6%
2021	9.1%
2020	7.4%
2019	-4.1%
2018	7.5%
2017	7.2%
2016	9.1%

Fund Manager information for UTI Treasury Advantage Fund - Direct

Name	Since	Tenure
Anurag Mittal	1 Dec 21	4.58 Yr.

Data below for UTI Treasury Advantage Fund - Direct as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	20.56%
Debt	79.07%
Other	0.37%

Debt Sector Allocation

Sector	Value
Corporate	76.64%
Government	18.01%
Cash Equivalent	4.98%

Credit Quality

Rating	Value
AA	10.48%
AAA	89.52%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	8%	₹200 Cr	20,000
Tbill Sovereign Bonds \| -	7%	₹195 Cr	2,000,000,000
Rec Limited Debentures \| -	5%	₹140 Cr	14,000
Embassy Office Parks Reit Debentures \| -	5%	₹120 Cr	1,200
Mahindra Rural Housing Finance Limited Debentures \| -	4%	₹100 Cr	10,000
Jamnagar Utilities & Power Private Limited Debentures \| -	4%	₹100 Cr	1,000
Embassy Office Parks Reit Debentures \| -	3%	₹90 Cr	900
Poonawalla Fincorp Limited Debentures \| -	3%	₹75 Cr	7,500
Indigrid Infrastructure Trust Debentures \| -	2%	₹55 Cr	550
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹54 Cr	55

Disclaimer:
અહીં પ્રદાન કરેલી માહિતી સચોટ છે તેની ખાતરી કરવા માટેના તમામ પ્રયત્નો કરવામાં આવ્યા છે. જો કે, માહિતીની ચોકસાઈ અંગે કોઈ બાંયધરી આપવામાં આવતી નથી. કૃપા કરીને કોઈપણ રોકાણ કરતા પહેલા સ્કીમ માહિતી દસ્તાવેજ સાથે ચકાસો.