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ડાયરેક્ટ ફંડ્સ તમારા માટે કેમ છે?
Tણ ભંડોળના રોકાણને સમજવું
- પરિપક્વતા મુજબ tણ ભંડોળના પ્રકાર
શ્રેષ્ઠ tણ મ્યુચ્યુઅલ ફંડ્સ ડાયરેક્ટ યોજનાઓ
Top 10 Funds

Tણ મ્યુચ્યુઅલ ફંડમાં શ્રેષ્ઠ ડાયરેક્ટ પ્લાન

Updated on June 29, 2025 , 1036 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

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શ્રેષ્ઠ tણ મ્યુચ્યુઅલ ફંડ્સ ડાયરેક્ટ યોજનાઓ

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	₹108.353 ↑ 0.08	₹843	4.2	6.4	11	8.3	7	8.2
Reliance Dynamic Bond Fund - Direct Growth	₹40.291 ↓ -0.01	₹4,613	3.2	5.8	10.7	9	6.4	9.4
Axis Corporate Debt Opportunities Fund - Direct Growth	₹18.1687 ↑ 0.02	₹8,119	3.1	5.7	10.3	8.4	7.1	8.7
UTI Short Term Income Fund - Direct Growth	₹33.8904 ↑ 0.03	₹2,822	2.8	5	9.5	8.2	7.7	8.4
Franklin India Banking And PSU Debt Fund - Direct Growth	₹23.5528 ↑ 0.03	₹550	2.8	5	9.4	7.8	6.2	8.1
HDFC Floating Rate Income Fund - Short Term Plan - Direct Growth	₹51.1458 ↑ 0.04	₹15,297	2.7	4.9	9.3	8.4	7	8.5
UTI Gilt Advantage Fund- LTP - Direct Growth	₹65.1653 ↑ 0.16	₹670	1.5	4.5	8.8	8.1	5.6	9.2
Reliance Gilt Securities Fund - Direct Normal Growth, Growth	₹43.0195 ↑ 0.09	₹2,068	1.1	4.2	8.6	8.6	6	9.8
Reliance Gilt Securities Fund - Direct Growth	₹42.9035 ↑ 0.09	₹2,068	1.1	4.2	8.6	8.6	6	9.8
UTI Treasury Advantage Fund - Direct Growth	₹3,613.38 ↑ 2.04	₹3,141	2.4	4.4	8.4	7.5	7.2	7.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Jul 25

1. Franklin India Income Builder Account - Plan A - Direct

The investment objective of the Scheme is primarily to provide investors Regular income under the Dividend Plan and Capital appreciation under the Growth Plan.

Franklin India Income Builder Account - Plan A - Direct is a Debt - Corporate Bond fund was launched on 1 Jan 13. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.5% since its launch. Return for 2024 was 8.2% , 2023 was 7.1% and 2022 was 3.7% .

Below is the key information for Franklin India Income Builder Account - Plan A - Direct

Franklin India Income Builder Account - Plan A - Direct Growth
Launch Date	1 Jan 13
NAV (01 Jul 25)	₹108.353 ↑ 0.08 (0.07 %)
Net Assets (Cr)	₹843 on 31 May 25
Category	Debt - Corporate Bond
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	Not Rated
Risk	Moderate
Expense Ratio	0.24
Sharpe Ratio	2.02
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	0-1 Years (0.5%),1 Years and above(NIL)
Yield to Maturity	6.85%
Effective Maturity	5 Years 11 Months 23 Days
Modified Duration	3 Years 1 Month 13 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,691
30 Jun 22	₹11,028
30 Jun 23	₹11,771
30 Jun 24	₹12,610
30 Jun 25	₹13,999

Franklin India Income Builder Account - Plan A - 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 Income Builder Account - Plan A - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jul 25

Duration	Returns
1 Month	0.4%
3 Month	4.2%
6 Month	6.4%
1 Year	11%
3 Year	8.3%
5 Year	7%
10 Year
15 Year
Since launch	8.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.2%
2023	7.1%
2022	3.7%
2021	4.3%
2020	9.7%
2019	9.8%
2018	8.1%
2017	8.3%
2016	9.7%
2015	9.3%

Fund Manager information for Franklin India Income Builder Account - Plan A - Direct

Name	Since	Tenure
Rahul Goswami	6 Oct 23	1.73 Yr.
Anuj Tagra	7 Mar 24	1.32 Yr.
Chandni Gupta	7 Mar 24	1.32 Yr.

Data below for Franklin India Income Builder Account - Plan A - Direct as on 31 May 25

Asset Allocation

Asset Class	Value
Cash	7.17%
Debt	92.58%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	70.72%
Government	21.86%
Cash Equivalent	7.17%

Credit Quality

Rating	Value
AA	5.53%
AAA	94.47%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Jubilant Bevco Limited Debentures \| -	8%	₹67 Cr	6,576 ↑ 6,576
Pipeline Infrastructure Limited Debentures \| -	6%	₹53 Cr	5,000
Summit Digitel Infrastructure Limited Debentures \| -	6%	₹52 Cr	5,000
Small Industries Development Bank Of India Debentures \| -	6%	₹52 Cr	500 ↑ 500
Sikka Ports & Terminals Limited Debentures \| -	6%	₹51 Cr	500
Embassy Office Parks Reit Debentures \| -	6%	₹50 Cr	5,000
Rec Limited Debentures \| -	6%	₹50 Cr	9,000
6.9% Govt Stock 2065 Sovereign Bonds \| -	4%	₹35 Cr	3,587,800 ↓ -1,000,000
LIC Housing Finance Ltd Debentures \| -	4%	₹31 Cr	300
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹26 Cr	2,500

2. Reliance Dynamic Bond Fund - Direct

The primary investment objective of the scheme is to generate optimal returns consistent with moderate levels of risks. This income may be complimented by capital appreciation of the portfolio. Accordingly, investments shall predominantly be made in debt and money market instruments.

Reliance Dynamic Bond Fund - Direct is a Debt - Dynamic Bond fund was launched on 1 Jan 13. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8% since its launch. Return for 2024 was 9.4% , 2023 was 7.1% and 2022 was 2.8% .

Below is the key information for Reliance Dynamic Bond Fund - Direct

Reliance Dynamic Bond Fund - Direct Growth
Launch Date	1 Jan 13
NAV (01 Jul 25)	₹40.291 ↓ -0.01 (-0.04 %)
Net Assets (Cr)	₹4,613 on 31 May 25
Category	Debt - Dynamic Bond
AMC	Nippon Life Asset Management Ltd.
Rating	Not Rated
Risk	Moderate
Expense Ratio	0.31
Sharpe Ratio	2.8
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity	6.33%
Effective Maturity	5 Years 14 Days
Modified Duration	4 Years 1 Month 17 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,434
30 Jun 22	₹10,507
30 Jun 23	₹11,474
30 Jun 24	₹12,305
30 Jun 25	₹13,631

Reliance Dynamic 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 Reliance Dynamic 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 1 Jul 25

Duration	Returns
1 Month	-0.4%
3 Month	3.2%
6 Month	5.8%
1 Year	10.7%
3 Year	9%
5 Year	6.4%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9.4%
2023	7.1%
2022	2.8%
2021	3.2%
2020	11.9%
2019	9.2%
2018	5.5%
2017	3.8%
2016	14.7%
2015	6.4%

Fund Manager information for Reliance Dynamic Bond Fund - Direct

Name	Since	Tenure
Vivek Sharma	25 Jun 20	5.02 Yr.
Pranay Sinha	31 Mar 21	4.25 Yr.
Kinjal Desai	25 May 18	7.1 Yr.

Data below for Reliance Dynamic Bond Fund - Direct as on 31 May 25

Asset Allocation

Asset Class	Value
Cash	3.33%
Debt	96.39%
Other	0.28%

Debt Sector Allocation

Sector	Value
Government	96.39%
Cash Equivalent	3.33%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
07.83 MH Sdl 2030 Sovereign Bonds \| -	7%	₹311 Cr	29,400,000
07.78 MH Sgs 2030 Sovereign Bonds \| -	5%	₹256 Cr	24,100,200
07.04 Tn SDL 2030 Sovereign Bonds \| -	5%	₹237 Cr	23,078,300
7.17% Govt Stock 2030 Sovereign Bonds \| -	4%	₹172 Cr	16,500,000
07.70 MH Sgs 2030 Sovereign Bonds \| -	3%	₹143 Cr	13,500,000
07.76 MH Sgs 2030 Sovereign Bonds \| -	3%	₹132 Cr	12,500,000
07.02 Tn SDL 2030 Sovereign Bonds \| -	3%	₹128 Cr	12,500,000
07.86 MH Sdl 2030 Sovereign Bonds \| -	3%	₹117 Cr	11,000,000
06.65 GJ Sdl 2030 Sovereign Bonds \| -	2%	₹113 Cr	11,200,000
07.60 MH Sdl 2030 Sovereign Bonds \| -	2%	₹110 Cr	10,500,000

3. Axis Corporate Debt Opportunities Fund - Direct

The Scheme seeks to provide steady income and capital appreciation by investing in corporate debt. There is no assurance or guarantee that the objectives of the Scheme will be realized.

Axis Corporate Debt Opportunities Fund - Direct is a Debt - Corporate Bond fund was launched on 13 Jul 17. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.8% since its launch. Return for 2024 was 8.7% , 2023 was 7.5% and 2022 was 4.4% .

Below is the key information for Axis Corporate Debt Opportunities Fund - Direct

Axis Corporate Debt Opportunities Fund - Direct Growth
Launch Date	13 Jul 17
NAV (01 Jul 25)	₹18.1687 ↑ 0.02 (0.09 %)
Net Assets (Cr)	₹8,119 on 31 May 25
Category	Debt - Corporate Bond
AMC	Axis Asset Management Company Limited
Rating	Not Rated
Risk	Moderate
Expense Ratio	0.27
Sharpe Ratio	2.77
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.91%
Effective Maturity	5 Years 7 Days
Modified Duration	3 Years 9 Months 18 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,700
30 Jun 22	₹11,067
30 Jun 23	₹11,893
30 Jun 24	₹12,799
30 Jun 25	₹14,113

Axis Corporate Debt Opportunities 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 Axis Corporate Debt Opportunities 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 1 Jul 25

Duration	Returns
1 Month	0.2%
3 Month	3.1%
6 Month	5.7%
1 Year	10.3%
3 Year	8.4%
5 Year	7.1%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.7%
2023	7.5%
2022	4.4%
2021	4.4%
2020	12.4%
2019	6.9%
2018	8.8%
2017
2016
2015

Fund Manager information for Axis Corporate Debt Opportunities Fund - Direct

Name	Since	Tenure
Devang Shah	13 Jul 17	7.97 Yr.
Hardik Shah	31 Jan 22	3.41 Yr.

Data below for Axis Corporate Debt Opportunities Fund - Direct as on 31 May 25

Asset Allocation

Asset Class	Value
Cash	10.72%
Debt	89.09%
Other	0.19%

Debt Sector Allocation

Sector	Value
Corporate	60.9%
Government	28.73%
Cash Equivalent	10.18%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	7%	₹591 Cr	56,516,700 ↓ -3,000,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	6%	₹504 Cr	48,000,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹301 Cr	29,500
Small Industries Development Bank Of India Debentures \| -	2%	₹173 Cr	17,000 ↑ 3,000
Small Industries Development Bank Of India Debentures \| -	2%	₹153 Cr	15,000
Power Finance Corporation Limited Debentures \| -	2%	₹150 Cr	15,000 ↑ 10,000
Rec Limited Debentures \| -	1%	₹128 Cr	12,500
Indigrid Infrastructure Trust Debentures \| -	1%	₹127 Cr	12,500
Kohima-Mariani Transmission Limited Debentures \| -	1%	₹117 Cr	11,800
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹117 Cr	11,500 ↑ 1,500

4. UTI Short Term Income Fund - Direct

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.

UTI Short Term Income Fund - Direct is a Debt - Short term Bond fund was launched on 1 Jan 13. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.6% since its launch. Return for 2024 was 8.4% , 2023 was 7.6% and 2022 was 4.4% .

Below is the key information for UTI Short Term Income Fund - Direct

UTI Short Term Income Fund - Direct Growth
Launch Date	1 Jan 13
NAV (01 Jul 25)	₹33.8904 ↑ 0.03 (0.09 %)
Net Assets (Cr)	₹2,822 on 31 May 25
Category	Debt - Short term Bond
AMC	UTI Asset Management Company Ltd
Rating	Not Rated
Risk	Moderate
Expense Ratio	0.33
Sharpe Ratio	2.51
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.69%
Effective Maturity	3 Years 7 Months 24 Days
Modified Duration	2 Years 8 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,576
30 Jun 22	₹11,442
30 Jun 23	₹12,295
30 Jun 24	₹13,239
30 Jun 25	₹14,480

UTI Short Term Income 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 Short Term Income 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 1 Jul 25

Duration	Returns
1 Month	0.4%
3 Month	2.8%
6 Month	5%
1 Year	9.5%
3 Year	8.2%
5 Year	7.7%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.4%
2023	7.6%
2022	4.4%
2021	9%
2020	11%
2019	-3.5%
2018	6.6%
2017	6.6%
2016	10.6%
2015	8.9%

Fund Manager information for UTI Short Term Income Fund - Direct

Name	Since	Tenure
Anurag Mittal	8 Apr 25	0.23 Yr.
Sudhir Agarwal	25 Oct 12	12.69 Yr.

Data below for UTI Short Term Income Fund - Direct as on 31 May 25

Asset Allocation

Asset Class	Value
Cash	7.97%
Debt	91.8%
Other	0.23%

Debt Sector Allocation

Sector	Value
Corporate	71.94%
Government	24.47%
Cash Equivalent	3.36%

Credit Quality

Rating	Value
AA	9.97%
AAA	90.03%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	10%	₹314 Cr	3,050,000,000
LIC Housing Finance Ltd Debentures \| -	6%	₹179 Cr	1,750
National Housing Bank Debentures \| -	6%	₹179 Cr	17,500
Small Industries Development Bank Of India Debentures \| -	6%	₹179 Cr	17,500
Power Finance Corporation Limited Debentures \| -	6%	₹178 Cr	17,500
Axis Bank Ltd. Debentures \| -	5%	₹141 Cr	1,500,000,000 ↑ 1,500,000,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹127 Cr	12,500 ↓ -5,000
Export Import Bank Of India Debentures \| -	4%	₹127 Cr	12,500 ↑ 12,500
Mankind Pharma Limited Debentures \| -	3%	₹102 Cr	10,000 ↑ 2,500
Export-Import Bank of India Domestic Bonds \| -	3%	₹94 Cr	1,000,000,000 ↑ 1,000,000,000

5. 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.

Franklin India Banking And PSU Debt Fund - Direct is a Debt - Banking & PSU Debt fund was launched on 25 Apr 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8% since its launch. Return for 2024 was 8.1% , 2023 was 7.2% and 2022 was 3.6% .

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 (01 Jul 25)	₹23.5528 ↑ 0.03 (0.14 %)
Net Assets (Cr)	₹550 on 31 May 25
Category	Debt - Banking & PSU Debt
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	Not Rated
Risk	Moderate
Expense Ratio	0.19
Sharpe Ratio	2.53
Information Ratio	0
Alpha Ratio	0
Min Investment
Min SIP Investment
Exit Load	NIL
Yield to Maturity	6.67%
Effective Maturity	6 Years 1 Month 28 Days
Modified Duration	3 Years 3 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,499
30 Jun 22	₹10,802
30 Jun 23	₹11,546
30 Jun 24	₹12,373
30 Jun 25	₹13,523

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 1 Jul 25

Duration	Returns
1 Month	0.3%
3 Month	2.8%
6 Month	5%
1 Year	9.4%
3 Year	7.8%
5 Year	6.2%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	7.9%

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

Name	Since	Tenure
Anuj Tagra	7 Mar 24	1.32 Yr.
Chandni Gupta	7 Mar 24	1.32 Yr.
Sandeep Manam	18 Oct 21	3.7 Yr.

Data below for Franklin India Banking And PSU Debt Fund - Direct as on 31 May 25

Asset Allocation

Asset Class	Value
Cash	8.79%
Debt	90.85%
Other	0.36%

Debt Sector Allocation

Sector	Value
Corporate	72.38%
Government	22.92%
Cash Equivalent	4.34%

Credit Quality

Rating	Value
AA	4.05%
AAA	95.95%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India Infrastructure Finance Company Limited Debentures \| -	10%	₹52 Cr	5,000
Jubilant Bevco Limited Debentures \| -	7%	₹39 Cr	3,847 ↑ 3,847
Rec Limited Debentures \| -	6%	₹33 Cr	6,000
ICICI Bank Limited Debentures \| -	6%	₹32 Cr	300
Power Finance Corporation Limited Debentures \| -	5%	₹26 Cr	2,500
Small Industries Development Bank Of India Debentures \| -	5%	₹26 Cr	250 ↑ 250
State Bank Of India Debentures \| -	5%	₹26 Cr	250
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹26 Cr	2,500
Power Finance Corporation Limited Debentures \| -	5%	₹26 Cr	2,500
Housing And Urban Development Corporation Limited Debentures \| -	5%	₹25 Cr	2,500

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.

HDFC Floating Rate Income Fund - Short Term Plan - Direct is a Debt - Floating Rate fund was launched on 1 Jan 13. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 8% since its launch. Return for 2024 was 8.5% , 2023 was 7.9% and 2022 was 4.8% .

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 (01 Jul 25)	₹51.1458 ↑ 0.04 (0.07 %)
Net Assets (Cr)	₹15,297 on 31 May 25
Category	Debt - Floating Rate
AMC	HDFC Asset Management Company Limited
Rating	Not Rated
Risk	Moderately Low
Expense Ratio	0.25
Sharpe Ratio	3.2
Information Ratio	0
Alpha Ratio	0
Min Investment
Min SIP Investment
Exit Load	NIL
Yield to Maturity	7.13%
Effective Maturity	4 Years 9 Months 14 Days
Modified Duration	1 Year 8 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,664
30 Jun 22	₹11,022
30 Jun 23	₹11,871
30 Jun 24	₹12,836
30 Jun 25	₹14,028

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 1 Jul 25

Duration	Returns
1 Month	0.5%
3 Month	2.7%
6 Month	4.9%
1 Year	9.3%
3 Year	8.4%
5 Year	7%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	8.9%

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

Name	Since	Tenure
Shobhit Mehrotra	23 Oct 07	17.7 Yr.
Dhruv Muchhal	22 Jun 23	2.03 Yr.

Data below for HDFC Floating Rate Income Fund - Short Term Plan - Direct as on 31 May 25

Asset Allocation

Asset Class	Value
Cash	3.87%
Debt	95.85%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	49.51%
Government	46.33%
Cash Equivalent	3.87%

Credit Quality

Rating	Value
AA	14.18%
AAA	85.82%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.99% Govt Stock 2034 Sovereign Bonds \| -	16%	₹2,437 Cr	238,500,000
7.81% Govt Stock 2033 Sovereign Bonds \| -	8%	₹1,264 Cr	121,641,200
7.59% Govt Stock 2031 Sovereign Bonds \| -	6%	₹946 Cr	92,500,000
Jubilant Beverages Limited Debentures \| -	3%	₹441 Cr	43,600 ↑ 43,600
Aadhar Housing Finance Limited Debentures \| -	2%	₹355 Cr	35,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹255 Cr	25,000
Power Finance Corporation Limited Debentures \| -	2%	₹253 Cr	25,000
Power Finance Corporation Limited Debentures \| -	2%	₹232 Cr	22,500
Housing And Urban Development Corporation Limited Debentures \| -	1%	₹226 Cr	22,500 ↑ 22,500
Bajaj Housing Finance Limited Debentures \| -	1%	₹204 Cr	20,000

7. UTI Gilt Advantage Fund- LTP - Direct

To generate credit risk-free return through investment in sovereign securities issued by the Central Government and / or a State Government and / or any security unconditionally guaranteed by the Central Government and / or a State Government for repayment of principal and interest. However there can be no assurance that the investment objective of the Scheme will be achieved.

UTI Gilt Advantage Fund- LTP - Direct is a Debt - Government Bond fund was launched on 1 Jan 13. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.4% since its launch. Return for 2024 was 9.2% , 2023 was 7% and 2022 was 3.2% .

Below is the key information for UTI Gilt Advantage Fund- LTP - Direct

UTI Gilt Advantage Fund- LTP - Direct Growth
Launch Date	1 Jan 13
NAV (01 Jul 25)	₹65.1653 ↑ 0.16 (0.24 %)
Net Assets (Cr)	₹670 on 31 May 25
Category	Debt - Government Bond
AMC	UTI Asset Management Company Ltd
Rating	Not Rated
Risk	Moderate
Expense Ratio	0.66
Sharpe Ratio	1.22
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.64%
Effective Maturity	21 Years 4 Days
Modified Duration	9 Years 4 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,272
30 Jun 22	₹10,435
30 Jun 23	₹11,237
30 Jun 24	₹12,115
30 Jun 25	₹13,151

UTI Gilt Advantage Fund- LTP - Direct SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for UTI Gilt Advantage Fund- LTP - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jul 25

Duration	Returns
1 Month	-1.1%
3 Month	1.5%
6 Month	4.5%
1 Year	8.8%
3 Year	8.1%
5 Year	5.6%
10 Year
15 Year
Since launch	8.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9.2%
2023	7%
2022	3.2%
2021	2.6%
2020	10.6%
2019	12.1%
2018	6.6%
2017	4.5%
2016	15.8%
2015	6.4%

Fund Manager information for UTI Gilt Advantage Fund- LTP - Direct

Name	Since	Tenure
Pankaj Pathak	8 Apr 25	0.23 Yr.

Data below for UTI Gilt Advantage Fund- LTP - Direct as on 31 May 25

Asset Allocation

Asset Class	Value
Cash	4.52%
Debt	95.48%

Debt Sector Allocation

Sector	Value
Government	95.48%
Cash Equivalent	4.52%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	41%	₹268 Cr	2,600,000,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	18%	₹119 Cr	1,150,000,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	15%	₹101 Cr	1,000,000,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	7%	₹47 Cr	450,000,000
7.46% Govt Stock 2073 Sovereign Bonds \| -	5%	₹31 Cr	300,000,000
7.34% Sdl ASsam - 05/03/2035 Sovereign Bonds \| -	5%	₹31 Cr	300,000,000 ↑ 300,000,000
07.32% Chattisgarh Sdl Sovereign Bonds \| -	5%	₹31 Cr	300,000,000 ↑ 300,000,000
Net Current Assets Net Current Assets \| -	4%	₹26 Cr
Clearing Corporation Of India Ltd. Std - Margin CBLO/Reverse Repo \| -	0%	₹3 Cr	00
Chhattisgarh (Government of) 7.32% - \| -		₹0 Cr	00 ↓ -300,000,000

8. Reliance Gilt Securities Fund - Direct

The primary investment objective of the scheme is to generate optimal credit risk-free returns by investing in a portfolio of securities issued and guaranteed by the Central Government and State Government.

Reliance Gilt Securities Fund - Direct is a Debt - Government Bond fund was launched on 23 Jul 13. It is a fund with Moderate risk and has given a CAGR/Annualized return of 9.3% since its launch. Return for 2024 was 9.8% , 2023 was 7.6% and 2022 was 3% .

Below is the key information for Reliance Gilt Securities Fund - Direct

Reliance Gilt Securities Fund - Direct Normal Growth, Growth
Launch Date	23 Jul 13
NAV (01 Jul 25)	₹43.0195 ↑ 0.09 (0.21 %)
Net Assets (Cr)	₹2,068 on 31 May 25
Category	Debt - Government Bond
AMC	Nippon Life Asset Management Ltd.
Rating	Not Rated
Risk	Moderate
Expense Ratio	0.64
Sharpe Ratio	1.35
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-15 Days (0.25%),15 Days and above(NIL)
Yield to Maturity	6.72%
Effective Maturity	21 Years 7 Months 6 Days
Modified Duration	9 Years 29 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,345
30 Jun 22	₹10,490
30 Jun 23	₹11,415
30 Jun 24	₹12,367
30 Jun 25	₹13,407

Reliance Gilt Securities 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 Reliance Gilt Securities 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 1 Jul 25

Duration	Returns
1 Month	-1.4%
3 Month	1.1%
6 Month	4.2%
1 Year	8.6%
3 Year	8.6%
5 Year	6%
10 Year
15 Year
Since launch	9.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9.8%
2023	7.6%
2022	3%
2021	2.8%
2020	12.3%
2019	13.4%
2018	9.1%
2017	4.6%
2016	19%
2015	7.5%

Fund Manager information for Reliance Gilt Securities Fund - Direct

Name	Since	Tenure
Pranay Sinha	31 Mar 21	4.25 Yr.
Kinjal Desai	31 Oct 21	3.67 Yr.

Data below for Reliance Gilt Securities Fund - Direct as on 31 May 25

Asset Allocation

Asset Class	Value
Cash	13.59%
Debt	86.41%

Debt Sector Allocation

Sector	Value
Government	86.41%
Cash Equivalent	13.59%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	16%	₹331 Cr	32,000,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	13%	₹277 Cr	27,500,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	11%	₹217 Cr	21,000,000
7.25% Govt Stock 2063 Sovereign Bonds \| -	7%	₹143 Cr	14,000,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	6%	₹120 Cr	11,465,200
6.92% Govt Stock 2039 Sovereign Bonds \| -	6%	₹118 Cr	11,500,000 ↑ 11,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	5%	₹105 Cr	10,000,000 ↓ -12,500,000
6.8% Govt Stock 2060 Sovereign Bonds \| -	3%	₹58 Cr	6,000,000
07.14% Chattisgarh Sdl - 12/02/2033 Sovereign Bonds \| -	2%	₹51 Cr	5,000,000
7.71% State Government Securities Sovereign Bonds \| -	2%	₹37 Cr	3,472,100

9. Reliance Gilt Securities Fund - Direct

Reliance Gilt Securities Fund - Direct is a Debt - Government Bond fund was launched on 1 Jan 13. It is a fund with Moderate risk and has given a CAGR/Annualized return of 9.1% since its launch. Return for 2024 was 9.8% , 2023 was 7.6% and 2022 was 3% .

Below is the key information for Reliance Gilt Securities Fund - Direct

Reliance Gilt Securities Fund - Direct Growth
Launch Date	1 Jan 13
NAV (01 Jul 25)	₹42.9035 ↑ 0.09 (0.21 %)
Net Assets (Cr)	₹2,068 on 31 May 25
Category	Debt - Government Bond
AMC	Nippon Life Asset Management Ltd.
Rating	Not Rated
Risk	Moderate
Expense Ratio	0.64
Sharpe Ratio	1.35
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-15 Days (0.25%),15 Days and above(NIL)
Yield to Maturity	6.72%
Effective Maturity	21 Years 7 Months 6 Days
Modified Duration	9 Years 29 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,345
30 Jun 22	₹10,490
30 Jun 23	₹11,415
30 Jun 24	₹12,367
30 Jun 25	₹13,407

Reliance Gilt Securities 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 Reliance Gilt Securities 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 1 Jul 25

Duration	Returns
1 Month	-1.4%
3 Month	1.1%
6 Month	4.2%
1 Year	8.6%
3 Year	8.6%
5 Year	6%
10 Year
15 Year
Since launch	9.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9.8%
2023	7.6%
2022	3%
2021	2.8%
2020	12.3%
2019	13.4%
2018	9.1%
2017	4.6%
2016	18.3%
2015	7.5%

Fund Manager information for Reliance Gilt Securities Fund - Direct

Name	Since	Tenure
Pranay Sinha	31 Mar 21	4.25 Yr.
Kinjal Desai	31 Oct 21	3.67 Yr.

Data below for Reliance Gilt Securities Fund - Direct as on 31 May 25

Asset Allocation

Asset Class	Value
Cash	13.59%
Debt	86.41%

Debt Sector Allocation

Sector	Value
Government	86.41%
Cash Equivalent	13.59%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	16%	₹331 Cr	32,000,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	13%	₹277 Cr	27,500,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	11%	₹217 Cr	21,000,000
7.25% Govt Stock 2063 Sovereign Bonds \| -	7%	₹143 Cr	14,000,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	6%	₹120 Cr	11,465,200
6.92% Govt Stock 2039 Sovereign Bonds \| -	6%	₹118 Cr	11,500,000 ↑ 11,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	5%	₹105 Cr	10,000,000 ↓ -12,500,000
6.8% Govt Stock 2060 Sovereign Bonds \| -	3%	₹58 Cr	6,000,000
07.14% Chattisgarh Sdl - 12/02/2033 Sovereign Bonds \| -	2%	₹51 Cr	5,000,000
7.71% State Government Securities Sovereign Bonds \| -	2%	₹37 Cr	3,472,100

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.

UTI Treasury Advantage Fund - Direct is a Debt - Low Duration fund was launched on 1 Jan 13. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7% since its launch. Return for 2024 was 7.8% , 2023 was 7.2% and 2022 was 4.6% .

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

UTI Treasury Advantage Fund - Direct Growth
Launch Date	1 Jan 13
NAV (01 Jul 25)	₹3,613.38 ↑ 2.04 (0.06 %)
Net Assets (Cr)	₹3,141 on 31 May 25
Category	Debt - Low Duration
AMC	UTI Asset Management Company Ltd
Rating	Not Rated
Risk	Moderately Low
Expense Ratio	0.34
Sharpe Ratio	2.77
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.71%
Effective Maturity	11 Months 23 Days
Modified Duration	10 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,466
30 Jun 22	₹11,395
30 Jun 23	₹12,156
30 Jun 24	₹13,035
30 Jun 25	₹14,137

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 1 Jul 25

Duration	Returns
1 Month	0.6%
3 Month	2.4%
6 Month	4.4%
1 Year	8.4%
3 Year	7.5%
5 Year	7.2%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	8.9%

Fund Manager information for UTI Treasury Advantage Fund - Direct

Name	Since	Tenure
Anurag Mittal	1 Dec 21	3.58 Yr.

Data below for UTI Treasury Advantage Fund - Direct as on 31 May 25

Asset Allocation

Asset Class	Value
Cash	38.97%
Debt	60.73%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	56.21%
Cash Equivalent	29.64%
Government	13.86%

Credit Quality

Rating	Value
AA	17.94%
AAA	82.06%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 Days Tbill Sovereign Bonds \| -	10%	₹297 Cr	3,000,000,000
Power Finance Corporation Limited Debentures \| -	5%	₹149 Cr	1,500
Bajaj Housing Finance Limited Debentures \| -	4%	₹126 Cr	1,250
Rec Limited Debentures \| -	3%	₹102 Cr	10,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹102 Cr	10,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹101 Cr	10,000
Shriram Finance Limited Debentures \| -	3%	₹91 Cr	9,000 ↑ 5,000
Nirma Limited Debentures \| -	2%	₹76 Cr	7,500
360 One Prime Limited Debentures \| -	2%	₹55 Cr	550,000
Aditya Birla Renewables Limited Debentures \| -	2%	₹51 Cr	5,000

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.