હાઇબ્રિડ મ્યુચ્યુઅલ ફંડમાં શ્રેષ્ઠ ડાયરેક્ટ પ્લાન

Updated on November 25, 2025 , 1313 views

સીધી યોજનાઓ તેની અનન્ય સુવિધાઓ અને ફાયદાઓને કારણે નવા રોકાણકારોમાં ભારે લોકપ્રિયતા મેળવી રહી છે. સીધી યોજનાઓ અને નિયમિત યોજનાઓ, તે કોઈ અલગ યોજના નથી, હકીકતમાં, તે મ્યુચ્યુઅલ ફંડ યોજનાનો એક પ્રકાર છે. નિયમિત યોજનાઓ ઘણા વર્ષોથી વિકલ્પમાં છે, જ્યારે પ્રથમ સીધી યોજના વર્ષ 2013 માં રજૂ કરવામાં આવી.

સીધા યોજનાઓ પસંદ કરીને જે વર્ણસંકર ભંડોળમાં રોકાણ કરવા ઇચ્છતા હોય તેવા રોકાણકારો, અહીં કેટલાક શ્રેષ્ઠ ડાયરેક્ટ પેન્સ હાઇબ્રિડ ફંડ્સ સાથે ડાયરેક્ટ ફંડ્સ, હાઇબ્રિડ ફંડ્સની ટૂંકી સમજ કેવી છે તેની અહીં ઝલક છે.

ડાયરેક્ટ પ્લાન કેમ લોકપ્રિયતા મેળવી રહ્યા 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. તદુપરાંત, અનુભવી જેમને રોકાણ અંગે કોઈ સલાહની જરૂર નથી અથવા ફક્ત તેમના સીધા મ્યુચ્યુઅલ ફંડ રોકાણોનું સંચાલન કરી શકે છે તે આ વિકલ્પ પસંદ કરી શકે છે.

વર્ણસંકર મ્યુચ્યુઅલ ફંડ્સને સમજવું

હાઇબ્રિડ ફંડ્સ, તરીકે પણ ઓળખાય છેસંતુલિત નિધિ, એક પ્રકાર છેમ્યુચ્યુઅલ ફંડ્સ તે ઇક્વિટીના સંયોજન તરીકે કાર્ય કરે છે અનેTણ ભંડોળ. આ ભંડોળ રોકાણકારોને ચોક્કસ પ્રમાણમાં ઇક્વિટી અને debtણ બજારો બંનેમાં રોકાણ કરવાની મંજૂરી આપે છે. આ ભંડોળમાં મ્યુચ્યુઅલ ફંડના રોકાણનું પ્રમાણ કાં તો પૂર્વનિર્ધારિત છે અથવા તે સમયગાળા દરમિયાન બદલાઈ શકે છે.

હાઇબ્રિડ મ્યુચ્યુઅલ ફંડ્સ એ એક છેશ્રેષ્ઠ રોકાણ યોજના કારણ કે તેઓ રોકાણકારોને માત્ર મૂડી વૃદ્ધિનો આનંદ માણી શકતા નથી, પરંતુ નિયમિત અંતરાલમાં નિશ્ચિત આવક પણ મેળવે છે.
સંતુલિત ભંડોળ ઓછા અસ્થિર છે. તેઓ ઇક્વિટી અને debtણ ભંડોળ બંનેમાં offerણ ઘટક દ્વારા ઇક્વિટી ઘટક અને સ્થિરતા દ્વારા ઉચ્ચ વળતરની ખાતરી આપે છે.
આ ભંડોળ પોર્ટફોલિયોને સંતુલિત કરવામાં મદદ કરે છે. જેમ જેમ ફંડ બંને શેરોમાં રોકાણ કરે છે અનેબોન્ડ્સ, રોકાણકારો સરળતાથી દ્વારા સંતુલિત પોર્ટફોલિયો બનાવી શકે છેરોકાણ સંતુલિત મ્યુચ્યુઅલ ફંડમાં.
હાઇબ્રિડ ફંડ્સ વિવિધતા લાભો પણ પૂરા પાડે છે. વિવિધતા સ્થિર વળતર પેદા કરવામાં મદદ કરે છે; જેથી જો કોઈ એક ભંડોળ અન્ડરફોર્મ કરે છે, તો અન્ય લોકો પોર્ટફોલિયોને સ્થિર કરી શકે છે. આ પોર્ટફોલિયોના એકંદર જોખમને ઘટાડશે.

આદર્શરીતે, હાઇબ્રિડ ફંડ્સ ઇચ્છતા રોકાણકારો માટે સારું રોકાણ વિકલ્પ હોઈ શકે છેમ્યુચ્યુઅલ ફંડમાં રોકાણ કરો. આ ભંડોળ બંને વિશ્વમાં શ્રેષ્ઠ છે: ફાયદાઇક્વિટીઝ જ્યારે નિશ્ચિત આવકના રોકાણનો લાભ મેળવો. આમ, રોકાણકારો ઉપરોક્ત સૂચિબદ્ધ શ્રેષ્ઠ વર્ણસંકર મ્યુચ્યુઅલ ફંડ્સ પસંદ કરી શકે છે અને યોજનામાં રોકાણ કરીને સારું નફો મેળવી શકે છે.

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વર્ણસંકર ભંડોળ અથવા સંતુલિત ભંડોળની શ્રેષ્ઠ ડાયરેક્ટ યોજનાઓ

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
UTI Wealth Builder Fund - Direct Growth	₹87.8572 ↓ -0.06	₹6,376	6.8	8.7	11.8	21.3	16.9	21.9
JM Balanced Fund - Direct Growth	₹140.62 ↓ -0.23	₹816	3.2	4.8	0.3	20.6	20	29.3
Edelweiss Prudent Advantage Fund - Direct Growth	₹75.51 ↓ -0.11	₹3,317	3.6	5.3	9.1	18.5	19.9	22.2
UTI Balanced Fund - Direct Growth	₹450.746 ↑ 0.14	₹6,596	5	4.6	6.2	17.1	19.1	20.5
BNP Paribas Balanced Fund - Direct Growth	₹32.8609 ↑ 0.06	₹1,256	4.1	4.2	4.9	15.8	17.1	21.2
Axis Dynamic Equity Fund - Direct Growth	₹24.27 ↓ -0.01	₹3,721	4.7	4.9	7.7	15.5	13.8	19
Franklin India Balanced Fund - Direct Growth	₹317.818 ↓ -0.46	₹2,355	3.3	3.8	5.9	15.3	16.6	18.9
Edelweiss Equity Savings Advantage Fund - Direct Growth	₹28.7883 ↓ -0.03	₹1,028	2.5	5.4	10.3	12.2	11.6	14.5
UTI SPREAD Fund - Direct Growth	₹38.2357 ↓ 0.00	₹10,106	1.5	3.3	7.1	7.8	6.4	8.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Nov 25

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	Upper mid AUM (₹6,376 Cr).	Bottom quartile AUM (₹816 Cr).	Lower mid AUM (₹3,317 Cr).	Top quartile AUM (₹6,596 Cr).	Bottom quartile AUM (₹1,256 Cr).	Upper mid AUM (₹3,721 Cr).	Lower mid AUM (₹2,355 Cr).	Bottom quartile AUM (₹1,028 Cr).	Highest AUM (₹10,106 Cr).
Point 2	Oldest track record among peers (12 yrs).	Established history (12+ yrs).	Established history (12+ yrs).	Established history (12+ yrs).	Established history (8+ yrs).	Established history (8+ yrs).	Established history (12+ yrs).	Established history (11+ yrs).	Established history (12+ 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: 16.87% (lower mid).	5Y return: 19.99% (top quartile).	5Y return: 19.93% (top quartile).	5Y return: 19.10% (upper mid).	5Y return: 17.15% (upper mid).	5Y return: 13.81% (bottom quartile).	5Y return: 16.61% (lower mid).	5Y return: 11.62% (bottom quartile).	5Y return: 6.39% (bottom quartile).
Point 6	3Y return: 21.25% (top quartile).	3Y return: 20.63% (top quartile).	3Y return: 18.49% (upper mid).	3Y return: 17.06% (upper mid).	3Y return: 15.76% (lower mid).	3Y return: 15.48% (lower mid).	3Y return: 15.33% (bottom quartile).	3Y return: 12.20% (bottom quartile).	3Y return: 7.78% (bottom quartile).
Point 7	1Y return: 11.80% (top quartile).	1Y return: 0.28% (bottom quartile).	1Y return: 9.06% (upper mid).	1Y return: 6.21% (lower mid).	1Y return: 4.93% (bottom quartile).	1Y return: 7.72% (upper mid).	1Y return: 5.85% (bottom quartile).	1Y return: 10.29% (top quartile).	1Y return: 7.10% (lower mid).
Point 8	1M return: 1.47% (upper mid).	1M return: -0.85% (bottom quartile).	1M return: 0.24% (lower mid).	1M return: 1.60% (top quartile).	1M return: 1.60% (top quartile).	1M return: 1.00% (upper mid).	1M return: 0.20% (bottom quartile).	1M return: 0.22% (bottom quartile).	1M return: 0.58% (lower mid).
Point 9	Alpha: 0.00 (top quartile).	Alpha: -6.13 (bottom quartile).	Alpha: 1.45 (top quartile).	Alpha: -2.20 (bottom quartile).	Alpha: -2.64 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: -0.44 (lower mid).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).
Point 10	Sharpe: 0.38 (upper mid).	Sharpe: -0.40 (bottom quartile).	Sharpe: 0.22 (upper mid).	Sharpe: -0.13 (bottom quartile).	Sharpe: -0.16 (bottom quartile).	Sharpe: 0.14 (lower mid).	Sharpe: 0.04 (lower mid).	Sharpe: 0.92 (top quartile).	Sharpe: 2.25 (top quartile).

UTI Wealth Builder Fund - Direct

Upper mid AUM (₹6,376 Cr).
Oldest track record among peers (12 yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.87% (lower mid).
3Y return: 21.25% (top quartile).
1Y return: 11.80% (top quartile).
1M return: 1.47% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 0.38 (upper mid).

JM Balanced Fund - Direct

Bottom quartile AUM (₹816 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 19.99% (top quartile).
3Y return: 20.63% (top quartile).
1Y return: 0.28% (bottom quartile).
1M return: -0.85% (bottom quartile).
Alpha: -6.13 (bottom quartile).
Sharpe: -0.40 (bottom quartile).

Edelweiss Prudent Advantage Fund - Direct

Lower mid AUM (₹3,317 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 19.93% (top quartile).
3Y return: 18.49% (upper mid).
1Y return: 9.06% (upper mid).
1M return: 0.24% (lower mid).
Alpha: 1.45 (top quartile).
Sharpe: 0.22 (upper mid).

UTI Balanced Fund - Direct

Top quartile AUM (₹6,596 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 19.10% (upper mid).
3Y return: 17.06% (upper mid).
1Y return: 6.21% (lower mid).
1M return: 1.60% (top quartile).
Alpha: -2.20 (bottom quartile).
Sharpe: -0.13 (bottom quartile).

BNP Paribas Balanced Fund - Direct

Bottom quartile AUM (₹1,256 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 17.15% (upper mid).
3Y return: 15.76% (lower mid).
1Y return: 4.93% (bottom quartile).
1M return: 1.60% (top quartile).
Alpha: -2.64 (bottom quartile).
Sharpe: -0.16 (bottom quartile).

Axis Dynamic Equity Fund - Direct

Upper mid AUM (₹3,721 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 13.81% (bottom quartile).
3Y return: 15.48% (lower mid).
1Y return: 7.72% (upper mid).
1M return: 1.00% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.14 (lower mid).

Franklin India Balanced Fund - Direct

Lower mid AUM (₹2,355 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.61% (lower mid).
3Y return: 15.33% (bottom quartile).
1Y return: 5.85% (bottom quartile).
1M return: 0.20% (bottom quartile).
Alpha: -0.44 (lower mid).
Sharpe: 0.04 (lower mid).

Edelweiss Equity Savings Advantage Fund - Direct

Bottom quartile AUM (₹1,028 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.62% (bottom quartile).
3Y return: 12.20% (bottom quartile).
1Y return: 10.29% (top quartile).
1M return: 0.22% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.92 (top quartile).

UTI SPREAD Fund - Direct

Highest AUM (₹10,106 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately Low.
5Y return: 6.39% (bottom quartile).
3Y return: 7.78% (bottom quartile).
1Y return: 7.10% (lower mid).
1M return: 0.58% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 2.25 (top quartile).

1. UTI Wealth Builder Fund - Direct

The objective of the Scheme is to achieve long term capital appreciation by investing predominantly in a diversified portfolio of equity and equity related instruments along with investments in Gold ETFs and Debt and Money Market Instruments. However, there can be no assurance that the investment objective of the Scheme will be achieved.

Research Highlights for UTI Wealth Builder Fund - Direct

Upper mid AUM (₹6,376 Cr).
Oldest track record among peers (12 yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.87% (lower mid).
3Y return: 21.25% (top quartile).
1Y return: 11.80% (top quartile).
1M return: 1.47% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 0.38 (upper mid).
Information ratio: 0.00 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~69%).
High-quality debt (AAA/AA ~100%).
Largest holding UTI Gold ETF (~12.1%).

Below is the key information for UTI Wealth Builder Fund - Direct

UTI Wealth Builder Fund - Direct Growth
Launch Date	1 Jan 13
NAV (27 Nov 25)	₹87.8572 ↓ -0.06 (-0.07 %)
Net Assets (Cr)	₹6,376 on 31 Oct 25
Category	Hybrid - Multi Asset
AMC	UTI Asset Management Company Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	0.64
Sharpe Ratio	0.38
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹12,169
31 Oct 22	₹12,566
31 Oct 23	₹14,749
31 Oct 24	₹20,257
31 Oct 25	₹22,198

UTI Wealth Builder Fund - Direct SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 Invest Now

Returns for UTI Wealth Builder 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 27 Nov 25

Duration	Returns
1 Month	1.5%
3 Month	6.8%
6 Month	8.7%
1 Year	11.8%
3 Year	21.3%
5 Year	16.9%
10 Year
15 Year
Since launch	10.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	21.9%
2023	30.2%
2022	5.3%
2021	12.7%
2020	14%
2019	4.8%
2018	0.5%
2017	18.2%
2016	8%
2015	-3.1%

Fund Manager information for UTI Wealth Builder Fund - Direct

Name	Since	Tenure
Sharwan Kumar Goyal	12 Nov 21	3.97 Yr.
Jaydeep Bhowal	1 Oct 24	1.08 Yr.

Data below for UTI Wealth Builder Fund - Direct as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	9.14%
Equity	68.77%
Debt	10.1%
Other	11.99%

Equity Sector Allocation

Sector	Value
Financial Services	15.73%
Technology	11.37%
Consumer Defensive	9.54%
Consumer Cyclical	7.16%
Basic Materials	6.31%
Industrials	5.41%
Health Care	5.2%
Real Estate	3.05%
Communication Services	2.92%
Energy	2.85%
Utility	0.02%

Debt Sector Allocation

Sector	Value
Cash Equivalent	9.11%
Government	7.29%
Corporate	2.82%
Securitized	0.01%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
UTI Gold ETF - \| -	12%	₹771 Cr	76,018,936 ↓ -958,380
ITC Ltd (Consumer Defensive) Equity, Since 31 Oct 22 \| ITC	3%	₹175 Cr	4,169,825 ↑ 196,609
Infosys Ltd (Technology) Equity, Since 31 Mar 24 \| INFY	2%	₹151 Cr	1,016,937 ↑ 743
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 24 \| BHARTIARTL	2%	₹141 Cr	688,325 ↓ -316,467
HDFC Bank Ltd (Financial Services) Equity, Since 30 Apr 25 \| HDFCBANK	2%	₹135 Cr	1,368,622 ↓ -202,460
Nestle India Ltd (Consumer Defensive) Equity, Since 29 Feb 24 \| NESTLEIND	2%	₹133 Cr	1,046,197 ↑ 37,133
Tata Consultancy Services Ltd (Technology) Equity, Since 29 Feb 24 \| TCS	2%	₹132 Cr	431,841 ↑ 1,355
State Bank of India (Financial Services) Equity, Since 31 Oct 25 \| SBIN	2%	₹128 Cr	1,362,565 ↑ 1,362,565
Asian Paints Ltd (Basic Materials) Equity, Since 31 Oct 24 \| 500820	2%	₹125 Cr	496,319 ↑ 108,551
Dixon Technologies (India) Ltd (Technology) Equity, Since 30 Apr 24 \| DIXON	2%	₹118 Cr	76,262 ↑ 26,089

2. JM Balanced Fund - Direct

To provide steady current income as well as long term growth of capital.

Research Highlights for JM Balanced Fund - Direct

Bottom quartile AUM (₹816 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 19.99% (top quartile).
3Y return: 20.63% (top quartile).
1Y return: 0.28% (bottom quartile).
1M return: -0.85% (bottom quartile).
Alpha: -6.13 (bottom quartile).
Sharpe: -0.40 (bottom quartile).
Information ratio: 1.17 (upper mid).
Top sector: Financial Services.
Top bond sector: Corporate.
Equity-heavy allocation (~78%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~4.2%).

Below is the key information for JM Balanced Fund - Direct

JM Balanced Fund - Direct Growth
Launch Date	1 Jan 13
NAV (27 Nov 25)	₹140.62 ↓ -0.23 (-0.16 %)
Net Assets (Cr)	₹816 on 31 Oct 25
Category	Hybrid - Hybrid Equity
AMC	JM Financial Asset Management Limited
Rating	Not Rated
Risk	Moderately High
Expense Ratio	0.63
Sharpe Ratio	-0.4
Information Ratio	1.17
Alpha Ratio	-6.13
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-60 Days (1%),60 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹15,107
31 Oct 22	₹15,546
31 Oct 23	₹19,190
31 Oct 24	₹28,065
31 Oct 25	₹28,140

JM Balanced Fund - Direct SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for JM Balanced 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 27 Nov 25

Duration	Returns
1 Month	-0.9%
3 Month	3.2%
6 Month	4.8%
1 Year	0.3%
3 Year	20.6%
5 Year	20%
10 Year
15 Year
Since launch	14.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	29.3%
2023	35.5%
2022	9.1%
2021	23.9%
2020	31.5%
2019	-6.8%
2018	2.5%
2017	18.6%
2016	3.8%
2015	1.3%

Fund Manager information for JM Balanced Fund - Direct

Name	Since	Tenure
Satish Ramanathan	1 Oct 24	1.08 Yr.
Asit Bhandarkar	31 Dec 21	3.84 Yr.
Ruchi Fozdar	4 Oct 24	1.07 Yr.
Deepak Gupta	11 Apr 25	0.56 Yr.

Data below for JM Balanced Fund - Direct as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	1.87%
Equity	77.79%
Debt	20.34%

Equity Sector Allocation

Sector	Value
Financial Services	23.52%
Technology	13.93%
Industrials	12.68%
Consumer Cyclical	11.76%
Basic Materials	6.28%
Communication Services	3.66%
Health Care	3.62%
Consumer Defensive	2.35%

Debt Sector Allocation

Sector	Value
Corporate	11.9%
Government	9.4%
Cash Equivalent	0.91%

Credit Quality

Rating	Value
AA	6.37%
AAA	93.63%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Jun 24 \| HDFCBANK	4%	₹35 Cr	350,000
Ujjivan Small Finance Bank Ltd Ordinary Shares (Financial Services) Equity, Since 31 Jan 25 \| 542904	4%	₹31 Cr	5,950,865
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 24 \| BHARTIARTL	4%	₹30 Cr	145,246 ↓ -15,000
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Jan 25 \| 500034	4%	₹29 Cr	275,040
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 31 May 25 \| MCX	3%	₹28 Cr	30,676
Larsen & Toubro Ltd (Industrials) Equity, Since 31 May 21 \| LT	3%	₹27 Cr	68,000
Waaree Energies Ltd (Technology) Equity, Since 31 May 25 \| 544277	3%	₹26 Cr	77,000
One97 Communications Ltd (Technology) Equity, Since 30 Jun 25 \| 543396	3%	₹22 Cr	170,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 21 \| ICICIBANK	3%	₹21 Cr	155,114
6.48% Govt Stock 2035 Sovereign Bonds \| -	3%	₹21 Cr	2,075,000 ↑ 2,075,000

3. Edelweiss Prudent Advantage Fund - Direct

The objective of the Scheme is to generate returns through capital appreciation by investing in diversified portfolio of equity and equity-related securities, fixed income instruments and Gold Exchange Traded Funds. However, there is no assurance that the investment objective of the Scheme will be realized.

Research Highlights for Edelweiss Prudent Advantage Fund - Direct

Lower mid AUM (₹3,317 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 19.93% (top quartile).
3Y return: 18.49% (upper mid).
1Y return: 9.06% (upper mid).
1M return: 0.24% (lower mid).
Alpha: 1.45 (top quartile).
Sharpe: 0.22 (upper mid).
Information ratio: 2.09 (top quartile).
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~78%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~5.7%).

Below is the key information for Edelweiss Prudent Advantage Fund - Direct

Edelweiss Prudent Advantage Fund - Direct Growth
Launch Date	1 Jan 13
NAV (27 Nov 25)	₹75.51 ↓ -0.11 (-0.15 %)
Net Assets (Cr)	₹3,317 on 31 Oct 25
Category	Hybrid - Multi Asset
AMC	Edelweiss Asset Management Limited
Rating	Not Rated
Risk	Moderately High
Expense Ratio	0.37
Sharpe Ratio	0.22
Information Ratio	2.09
Alpha Ratio	1.45
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹14,720
31 Oct 22	₹16,120
31 Oct 23	₹18,578
31 Oct 24	₹25,067
31 Oct 25	₹27,137

Edelweiss Prudent Advantage Fund - Direct SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for Edelweiss Prudent 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 27 Nov 25

Duration	Returns
1 Month	0.2%
3 Month	3.6%
6 Month	5.3%
1 Year	9.1%
3 Year	18.5%
5 Year	19.9%
10 Year
15 Year
Since launch	14.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	22.2%
2023	27.7%
2022	7.4%
2021	29.5%
2020	14.5%
2019	12.1%
2018	0.8%
2017	26.8%
2016	0.6%
2015	2.7%

Fund Manager information for Edelweiss Prudent Advantage Fund - Direct

Name	Since	Tenure
Dhawal Dalal	22 Sep 25	0.11 Yr.
Bhavesh Jain	14 Oct 15	10.06 Yr.
Bharat Lahoti	1 Oct 21	4.09 Yr.
Rahul Dedhia	1 Jul 24	1.33 Yr.
Pranavi Kulkarni	1 Aug 24	1.25 Yr.

Data below for Edelweiss Prudent Advantage Fund - Direct as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	15.22%
Equity	77.79%
Debt	6.99%

Equity Sector Allocation

Sector	Value
Financial Services	23.02%
Health Care	9.37%
Technology	8.48%
Consumer Cyclical	8.3%
Industrials	6.38%
Basic Materials	5.65%
Consumer Defensive	4.12%
Communication Services	4.12%
Energy	2.88%
Utility	2.65%
Real Estate	0.96%

Debt Sector Allocation

Sector	Value
Cash Equivalent	15.22%
Corporate	6.35%
Government	0.65%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹190 Cr	19,000,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 15 \| ICICIBANK	6%	₹185 Cr	1,373,985
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 15 \| HDFCBANK	5%	₹155 Cr	1,569,936
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 19 \| BHARTIARTL	3%	₹102 Cr	495,854
Infosys Ltd (Technology) Equity, Since 31 May 15 \| INFY	3%	₹91 Cr	616,103
State Bank of India (Financial Services) Equity, Since 30 Jun 15 \| SBIN	2%	₹80 Cr	853,714
Aditya Birla Capital Limited Debentures \| -	2%	₹76 Cr	7,500,000
Hdb Financial Services Limited Debentures \| -	2%	₹76 Cr	7,500,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 28 Feb 17 \| MARUTI	2%	₹75 Cr	46,457
Reliance Industries Ltd (Energy) Equity, Since 31 Aug 20 \| RELIANCE	2%	₹71 Cr	479,028

4. UTI Balanced Fund - Direct

The scheme aims to invest in a portfolio of equity/equity related securities and fixed income securities (debt and money market securities) with a view to generating regular income together with capital appreciation.

Research Highlights for UTI Balanced Fund - Direct

Top quartile AUM (₹6,596 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 19.10% (upper mid).
3Y return: 17.06% (upper mid).
1Y return: 6.21% (lower mid).
1M return: 1.60% (top quartile).
Alpha: -2.20 (bottom quartile).
Sharpe: -0.13 (bottom quartile).
Information ratio: 1.58 (top quartile).
Top sector: Financial Services.
Higher exposure to Government (bond sector) vs peer median.
Equity-heavy allocation (~73%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~6.0%).

Below is the key information for UTI Balanced Fund - Direct

UTI Balanced Fund - Direct Growth
Launch Date	1 Jan 13
NAV (27 Nov 25)	₹450.746 ↑ 0.14 (0.03 %)
Net Assets (Cr)	₹6,596 on 31 Oct 25
Category	Hybrid - Hybrid Equity
AMC	UTI Asset Management Company Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	1.25
Sharpe Ratio	-0.13
Information Ratio	1.58
Alpha Ratio	-2.2
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹15,480
31 Oct 22	₹16,133
31 Oct 23	₹18,409
31 Oct 24	₹24,725
31 Oct 25	₹25,823

UTI Balanced Fund - Direct SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for UTI Balanced 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 27 Nov 25

Duration	Returns
1 Month	1.6%
3 Month	5%
6 Month	4.6%
1 Year	6.2%
3 Year	17.1%
5 Year	19.1%
10 Year
15 Year
Since launch	13.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	20.5%
2023	26.2%
2022	6.3%
2021	31.3%
2020	14.1%
2019	3.1%
2018	-4.9%
2017	26.6%
2016	9.4%
2015	2.8%

Fund Manager information for UTI Balanced Fund - Direct

Name	Since	Tenure
V Srivatsa	24 Sep 09	16.11 Yr.
Sunil Patil	5 Feb 18	7.74 Yr.
Jaydeep Bhowal	3 Nov 25	0 Yr.

Data below for UTI Balanced Fund - Direct as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	1.15%
Equity	72.93%
Debt	25.92%

Equity Sector Allocation

Sector	Value
Financial Services	21.89%
Technology	7.76%
Consumer Cyclical	7.47%
Industrials	6.73%
Energy	6.07%
Basic Materials	5.12%
Consumer Defensive	5.07%
Health Care	4.26%
Communication Services	4.14%
Real Estate	2.83%
Utility	1.58%

Debt Sector Allocation

Sector	Value
Government	17.61%
Corporate	8.07%
Cash Equivalent	1.38%

Credit Quality

Rating	Value
AA	0.47%
AAA	99.53%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 29 Feb 20 \| HDFCBANK	6%	₹398 Cr	4,027,946 ↓ -100,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 10 \| ICICIBANK	5%	₹304 Cr	2,258,644 ↓ -60,000
Infosys Ltd (Technology) Equity, Since 31 Mar 06 \| INFY	4%	₹252 Cr	1,699,346 ↑ 140,000
Reliance Industries Ltd (Energy) Equity, Since 31 Dec 19 \| RELIANCE	3%	₹211 Cr	1,418,588 ↑ 55,000
ITC Ltd (Consumer Defensive) Equity, Since 31 Aug 06 \| ITC	3%	₹206 Cr	4,904,969 ↑ 265,000
6.92% Govt Stock 2039 Sovereign Bonds \| -	3%	₹170 Cr	1,700,000,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Mar 12 \| LT	2%	₹151 Cr	374,309 ↑ 64,616
Vedanta Ltd (Basic Materials) Equity, Since 30 Apr 24 \| 500295	2%	₹139 Cr	2,820,574
Wipro Ltd (Technology) Equity, Since 30 Jun 24 \| 507685	2%	₹131 Cr	5,440,657 ↑ 430,927
7.32% Govt Stock 2030 Sovereign Bonds \| -	2%	₹126 Cr	1,200,000,000

5. BNP Paribas Balanced Fund - Direct

The Scheme seeks to generate income and capital appreciation by investing in a diversified portfolio of equity and equity related instruments and fixed income instruments. However, there can be no assurance that the investment objectives of the Scheme will be realized. The Scheme does not guarantee/indicate any returns

Research Highlights for BNP Paribas Balanced Fund - Direct

Bottom quartile AUM (₹1,256 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 17.15% (upper mid).
3Y return: 15.76% (lower mid).
1Y return: 4.93% (bottom quartile).
1M return: 1.60% (top quartile).
Alpha: -2.64 (bottom quartile).
Sharpe: -0.16 (bottom quartile).
Information ratio: 1.09 (upper mid).
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Equity-heavy allocation (~71%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~6.4%).

Below is the key information for BNP Paribas Balanced Fund - Direct

BNP Paribas Balanced Fund - Direct Growth
Launch Date	7 Apr 17
NAV (27 Nov 25)	₹32.8609 ↑ 0.06 (0.19 %)
Net Assets (Cr)	₹1,256 on 31 Oct 25
Category	Hybrid - Hybrid Equity
AMC	BNP Paribas Asset Mgmt India Pvt. Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	0.52
Sharpe Ratio	-0.16
Information Ratio	1.09
Alpha Ratio	-2.64
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹14,601
31 Oct 22	₹15,103
31 Oct 23	₹16,908
31 Oct 24	₹22,637
31 Oct 25	₹23,532

BNP Paribas Balanced Fund - Direct SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 Invest Now

Returns for BNP Paribas Balanced 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 27 Nov 25

Duration	Returns
1 Month	1.6%
3 Month	4.1%
6 Month	4.2%
1 Year	4.9%
3 Year	15.8%
5 Year	17.1%
10 Year
15 Year
Since launch	14.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	21.2%
2023	23%
2022	6.1%
2021	24.3%
2020	16.8%
2019	18%
2018	2%
2017
2016
2015

Fund Manager information for BNP Paribas Balanced Fund - Direct

Name	Since	Tenure
Jitendra Sriram	16 Jun 22	3.38 Yr.
Gurvinder Wasan	21 Oct 24	1.03 Yr.
Pratish Krishnan	14 Mar 22	3.64 Yr.

Data below for BNP Paribas Balanced Fund - Direct as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	2.12%
Equity	70.69%
Debt	27.19%

Equity Sector Allocation

Sector	Value
Financial Services	22.12%
Industrials	11.37%
Consumer Cyclical	8.71%
Energy	6.74%
Technology	6.47%
Consumer Defensive	5.16%
Basic Materials	4.23%
Health Care	2.4%
Communication Services	2.21%
Utility	0.75%
Real Estate	0.54%

Debt Sector Allocation

Sector	Value
Corporate	13.94%
Government	12.78%
Cash Equivalent	2.59%

Credit Quality

Rating	Value
AA	21.01%
AAA	78.99%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Apr 17 \| HDFCBANK	6%	₹80 Cr	810,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Apr 17 \| ICICIBANK	6%	₹71 Cr	531,000
Reliance Industries Ltd (Energy) Equity, Since 31 May 21 \| RELIANCE	5%	₹63 Cr	423,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 May 21 \| LT	4%	₹54 Cr	135,000
Hitachi Energy India Ltd Ordinary Shares (Industrials) Equity, Since 31 Jul 23 \| POWERINDIA	3%	₹35 Cr	19,800
6.79% Govt Stock 2034 Sovereign Bonds \| -	3%	₹32 Cr	3,150,000 ↓ -500,000
ITC Ltd (Consumer Defensive) Equity, Since 30 Sep 21 \| ITC	2%	₹30 Cr	702,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 30 Apr 23 \| KOTAKBANK	2%	₹28 Cr	135,000 ↓ -9,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 19 \| BHARTIARTL	2%	₹28 Cr	135,000
6.33% Govt Stock 2035 Sovereign Bonds \| -	2%	₹27 Cr	2,700,000 ↓ -1,000,000

6. Axis Dynamic Equity Fund - Direct

To generate capital appreciation by investing in a portfolio of equity or equity linked securities while secondary objective is to generate income through investments in debt and money market instruments. It also aims to manage risk through active asset allocation. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns.

Research Highlights for Axis Dynamic Equity Fund - Direct

Upper mid AUM (₹3,721 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 13.81% (bottom quartile).
3Y return: 15.48% (lower mid).
1Y return: 7.72% (upper mid).
1M return: 1.00% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.14 (lower mid).
Information ratio: 0.00 (bottom quartile).
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
High-quality debt (AAA/AA ~100%).
Largest holding Reliance Industries Ltd (~5.5%).

Below is the key information for Axis Dynamic Equity Fund - Direct

Axis Dynamic Equity Fund - Direct Growth
Launch Date	1 Aug 17
NAV (27 Nov 25)	₹24.27 ↓ -0.01 (-0.04 %)
Net Assets (Cr)	₹3,721 on 31 Oct 25
Category	Hybrid - Dynamic Allocation
AMC	Axis Asset Management Company Limited
Rating	Not Rated
Risk	Moderately High
Expense Ratio	0.84
Sharpe Ratio	0.14
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹12,619
31 Oct 22	₹12,825
31 Oct 23	₹14,061
31 Oct 24	₹18,418
31 Oct 25	₹19,736

Axis Dynamic Equity Fund - Direct SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for Axis Dynamic Equity 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 27 Nov 25

Duration	Returns
1 Month	1%
3 Month	4.7%
6 Month	4.9%
1 Year	7.7%
3 Year	15.5%
5 Year	13.8%
10 Year
15 Year
Since launch	11.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	19%
2023	21.5%
2022	0.9%
2021	17.2%
2020	11.4%
2019	7.5%
2018	4.5%
2017
2016
2015

Fund Manager information for Axis Dynamic Equity Fund - Direct

Name	Since	Tenure
Devang Shah	5 Apr 24	1.57 Yr.
Hardik Shah	31 Jan 22	3.75 Yr.
Jayesh Sundar	28 Sep 23	2.09 Yr.

Data below for Axis Dynamic Equity Fund - Direct as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	18.1%
Equity	60.2%
Debt	21.7%

Equity Sector Allocation

Sector	Value
Financial Services	21.52%
Technology	8.94%
Industrials	7.6%
Energy	6.6%
Consumer Cyclical	6.35%
Health Care	4.99%
Consumer Defensive	4.52%
Basic Materials	3.78%
Utility	2.32%
Communication Services	2.16%
Real Estate	1.55%

Debt Sector Allocation

Sector	Value
Cash Equivalent	17.6%
Corporate	15.74%
Government	6.46%

Credit Quality

Rating	Value
AA	21.72%
AAA	78.28%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reliance Industries Ltd (Energy) Equity, Since 31 Aug 17 \| RELIANCE	6%	₹206 Cr	1,386,051 ↓ -50,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Aug 17 \| HDFCBANK	5%	₹193 Cr	1,949,910
State Bank of India (Financial Services) Equity, Since 31 May 21 \| SBIN	4%	₹167 Cr	1,781,305 ↓ -164,250
Infosys Ltd (Technology) Equity, Since 31 Dec 17 \| INFY	3%	₹130 Cr	878,156
ICICI Bank Ltd (Financial Services) Equity, Since 30 Sep 18 \| ICICIBANK	3%	₹122 Cr	908,419 ↓ -25,200
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 Jul 20 \| M&M	3%	₹108 Cr	308,627
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Jul 21 \| LT	3%	₹99 Cr	246,190 ↑ 3,789
7.18% Govt Stock 2033 Sovereign Bonds \| -	2%	₹78 Cr	7,500,000
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Aug 17 \| 500034	2%	₹74 Cr	710,440 ↓ -61,500
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 22 \| BHARTIARTL	2%	₹73 Cr	357,259 ↑ 5,299

7. Franklin India Balanced Fund - Direct

The fund aims to provide long term capital appreciation and current income by investing in equity and equity related securities and high quality fixed income instruments.

Research Highlights for Franklin India Balanced Fund - Direct

Lower mid AUM (₹2,355 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.61% (lower mid).
3Y return: 15.33% (bottom quartile).
1Y return: 5.85% (bottom quartile).
1M return: 0.20% (bottom quartile).
Alpha: -0.44 (lower mid).
Sharpe: 0.04 (lower mid).
Information ratio: 1.06 (lower mid).
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Equity-heavy allocation (~71%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~7.1%).

Below is the key information for Franklin India Balanced Fund - Direct

Franklin India Balanced Fund - Direct Growth
Launch Date	1 Jan 13
NAV (27 Nov 25)	₹317.818 ↓ -0.46 (-0.15 %)
Net Assets (Cr)	₹2,355 on 31 Oct 25
Category	Hybrid - Hybrid Equity
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	1.04
Sharpe Ratio	0.04
Information Ratio	1.06
Alpha Ratio	-0.44
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹14,792
31 Oct 22	₹15,336
31 Oct 23	₹17,094
31 Oct 24	₹22,408
31 Oct 25	₹23,813

Franklin India Balanced Fund - Direct SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 Invest Now

Returns for Franklin India Balanced 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 27 Nov 25

Duration	Returns
1 Month	0.2%
3 Month	3.3%
6 Month	3.8%
1 Year	5.9%
3 Year	15.3%
5 Year	16.6%
10 Year
15 Year
Since launch	14.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	18.9%
2023	23.9%
2022	5.8%
2021	25%
2020	14.8%
2019	9.1%
2018	-0.4%
2017	22.8%
2016	9.2%
2015	6.1%

Fund Manager information for Franklin India Balanced Fund - Direct

Name	Since	Tenure
Ajay Argal	4 Oct 24	1.07 Yr.
Anuj Tagra	7 Mar 24	1.65 Yr.
Chandni Gupta	7 Mar 24	1.65 Yr.
Sandeep Manam	18 Oct 21	4.04 Yr.
Rajasa Kakulavarapu	6 Sep 21	4.15 Yr.

Data below for Franklin India Balanced Fund - Direct as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	4.23%
Equity	70.99%
Debt	24.78%

Equity Sector Allocation

Sector	Value
Financial Services	21.84%
Consumer Cyclical	10.32%
Industrials	9.12%
Technology	5%
Health Care	4.94%
Consumer Defensive	4.06%
Utility	3.97%
Communication Services	3.77%
Basic Materials	3.72%
Energy	3.03%
Real Estate	1.23%

Debt Sector Allocation

Sector	Value
Corporate	18.89%
Government	5.89%
Cash Equivalent	4.23%

Credit Quality

Rating	Value
AA	31.17%
AAA	68.83%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 07 \| HDFCBANK	7%	₹167 Cr	1,695,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	5%	₹124 Cr	920,000
Jubilant Bevco Limited Debentures \| -	5%	₹106 Cr	9,994
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Dec 19 \| LT	4%	₹91 Cr	225,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 05 \| BHARTIARTL	3%	₹80 Cr	388,000
Jubilant Beverages Limited Debentures \| -	3%	₹76 Cr	7,150
Reliance Industries Ltd (Energy) Equity, Since 31 May 22 \| RELIANCE	3%	₹71 Cr	480,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 14 \| 532215	3%	₹69 Cr	560,000 ↓ -60,000
Infosys Ltd (Technology) Equity, Since 29 Feb 12 \| INFY	3%	₹65 Cr	440,000
HCL Technologies Ltd (Technology) Equity, Since 30 Nov 21 \| HCLTECH	2%	₹52 Cr	340,000

8. Edelweiss Equity Savings Advantage Fund - Direct

"The investment objective of the scheme is to provide capital appreciation and income distribution tothe investors by using equity and equity related instruments, arbitrage opportunities, and investments in debt and money market instruments"

Research Highlights for Edelweiss Equity Savings Advantage Fund - Direct

Bottom quartile AUM (₹1,028 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.62% (bottom quartile).
3Y return: 12.20% (bottom quartile).
1Y return: 10.29% (top quartile).
1M return: 0.22% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.92 (top quartile).
Information ratio: 0.00 (bottom quartile).
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~66%).
High-quality debt (AAA/AA ~100%).
Largest holding Edelweiss Money Market Dir Gr (~7.4%).

Below is the key information for Edelweiss Equity Savings Advantage Fund - Direct

Edelweiss Equity Savings Advantage Fund - Direct Growth
Launch Date	13 Oct 14
NAV (27 Nov 25)	₹28.7883 ↓ -0.03 (-0.11 %)
Net Assets (Cr)	₹1,028 on 31 Oct 25
Category	Hybrid - Equity Savings
AMC	Edelweiss Asset Management Limited
Rating	Not Rated
Risk	Moderately High
Expense Ratio	0.59
Sharpe Ratio	0.92
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹12,046
31 Oct 22	₹12,546
31 Oct 23	₹13,788
31 Oct 24	₹16,224
31 Oct 25	₹17,859

Edelweiss Equity Savings Advantage Fund - Direct SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518 Invest Now

Purchase not allowed

Returns for Edelweiss Equity Savings 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 27 Nov 25

Duration	Returns
1 Month	0.2%
3 Month	2.5%
6 Month	5.4%
1 Year	10.3%
3 Year	12.2%
5 Year	11.6%
10 Year
15 Year
Since launch	10%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	14.5%
2023	14.3%
2022	4.6%
2021	13.1%
2020	14.1%
2019	8.1%
2018	4.9%
2017	15.8%
2016	4.9%
2015	5.8%

Fund Manager information for Edelweiss Equity Savings Advantage Fund - Direct

Name	Since	Tenure
Dhawal Dalal	22 Sep 25	0.11 Yr.
Bhavesh Jain	1 Oct 21	4.09 Yr.
Bharat Lahoti	18 Sep 17	8.12 Yr.
Rahul Dedhia	1 Jul 24	1.33 Yr.
Pranavi Kulkarni	1 Aug 24	1.25 Yr.

Data below for Edelweiss Equity Savings Advantage Fund - Direct as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	66.14%
Equity	24.84%
Debt	8.98%
Other	0.03%

Equity Sector Allocation

Sector	Value
Financial Services	21.45%
Basic Materials	10.89%
Energy	5.59%
Industrials	4.94%
Communication Services	4.94%
Consumer Cyclical	4.57%
Technology	4.49%
Health Care	4.04%
Real Estate	1.66%
Consumer Defensive	1.5%
Utility	1.5%

Debt Sector Allocation

Sector	Value
Cash Equivalent	62.05%
Corporate	7.02%
Government	6.05%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Edelweiss Money Market Dir Gr Investment Fund \| -	7%	₹76 Cr	23,697,253
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 21 \| RELIANCE	5%	₹52 Cr	352,751
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 18 \| HDFCBANK	4%	₹43 Cr	435,414
Future on Reliance Industries Ltd Derivatives \| -	4%	-₹41 Cr	271,000
Edelweiss Low Duration Dir Gr Investment Fund \| -	3%	₹36 Cr	340,264
Future on UPL Ltd Derivatives \| -	3%	-₹35 Cr	489,155
ICICI Bank Ltd (Financial Services) Equity, Since 28 Feb 18 \| ICICIBANK	3%	₹35 Cr	263,429 ↑ 60,200
UPL Ltd (Basic Materials) Equity, Since 31 May 25 \| UPL	3%	₹35 Cr	489,155
Future on HDFC Bank Ltd Derivatives \| -	3%	-₹31 Cr	306,900
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Dec 19 \| BHARTIARTL	3%	₹26 Cr	126,570

9. UTI SPREAD Fund - Direct

The investment objective of the scheme is to provide capital appreciation and dividend distribution through arbitrage opportunities arising out of price differences between the cash and derivative market by investing predominantly in equity and equity-related securities, derivatives and the balance portion in debt securities. However, there can be no assurance that the investment objective of the scheme will be realised.

Research Highlights for UTI SPREAD Fund - Direct

Highest AUM (₹10,106 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately Low.
5Y return: 6.39% (bottom quartile).
3Y return: 7.78% (bottom quartile).
1Y return: 7.10% (lower mid).
1M return: 0.58% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 2.25 (top quartile).
Information ratio: 0.00 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding UTI Money Market Dir Gr (~13.3%).

Below is the key information for UTI SPREAD Fund - Direct

UTI SPREAD Fund - Direct Growth
Launch Date	23 Jan 13
NAV (27 Nov 25)	₹38.2357 ↓ 0.00 (0.00 %)
Net Assets (Cr)	₹10,106 on 31 Oct 25
Category	Hybrid - Arbitrage
AMC	UTI Asset Management Company Ltd
Rating	Not Rated
Risk	Moderately Low
Expense Ratio	0.3
Sharpe Ratio	2.25
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-30 Days (0.5%),30 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,439
31 Oct 22	₹10,867
31 Oct 23	₹11,712
31 Oct 24	₹12,665
31 Oct 25	₹13,566

UTI SPREAD Fund - Direct SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹357,992.
Net Profit of ₹57,992 Invest Now

Returns for UTI SPREAD 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 27 Nov 25

Duration	Returns
1 Month	0.6%
3 Month	1.5%
6 Month	3.3%
1 Year	7.1%
3 Year	7.8%
5 Year	6.4%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.3%
2023	7.8%
2022	4.6%
2021	4.5%
2020	5%
2019	6.7%
2018	6.7%
2017	6.2%
2016	7%
2015	8.2%

Fund Manager information for UTI SPREAD Fund - Direct

Name	Since	Tenure
Amit Sharma	2 Jul 18	7.34 Yr.
Sharwan Kumar Goyal	1 Jan 21	4.83 Yr.

Data below for UTI SPREAD Fund - Direct as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	97.03%
Debt	3.37%
Other	0.05%

Equity Sector Allocation

Sector	Value
Financial Services	31.05%
Basic Materials	9.05%
Consumer Cyclical	8.95%
Consumer Defensive	5.76%
Industrials	5.06%
Technology	4.37%
Health Care	4.35%
Energy	4.1%
Communication Services	2.77%
Utility	1.9%
Real Estate	1.79%

Debt Sector Allocation

Sector	Value
Cash Equivalent	89.81%
Corporate	7.48%
Government	3.08%
Securitized	0.04%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
UTI Money Market Dir Gr Investment Fund \| -	13%	₹1,342 Cr	4,201,929 ↓ -32,466
Future on ICICI Bank Ltd Derivatives \| -	4%	-₹442 Cr	3,262,700 ↑ 281,400
ICICI Bank Ltd (Financial Services) Equity, Since 30 Sep 24 \| ICICIBANK	4%	₹439 Cr	3,262,700 ↑ 281,400
Future on HDFC Bank Ltd Derivatives \| -	4%	-₹417 Cr	4,197,050 ↓ -17,050
HDFC Bank Ltd (Financial Services) Equity, Since 30 Apr 22 \| HDFCBANK	4%	₹414 Cr	4,197,050 ↓ -17,050
Future on Reliance Industries Ltd Derivatives \| -	4%	-₹354 Cr	2,363,000 ↓ -314,000
Reliance Industries Ltd (Energy) Equity, Since 31 Aug 23 \| RELIANCE	3%	₹351 Cr	2,363,000 ↓ -314,000
Future on Axis Bank Ltd Derivatives \| -	3%	-₹318 Cr	2,562,500 ↓ -459,375
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 23 \| 532215	3%	₹316 Cr	2,562,500 ↓ -459,375
Future on State Bank of India Derivatives \| -	3%	-₹315 Cr	3,341,250 ↓ -230,250

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.