SIP રોકાણ 2022 માટે શ્રેષ્ઠ મધ્યવર્તી ડેટ ફંડ્સ

Updated on November 11, 2026 , 2428 views

મધ્યમબોન્ડ મધ્યમ ગાળાના ભંડોળ તરીકે પણ ઓળખાય છે તે દેવુંનો એક પ્રકાર છેમ્યુચ્યુઅલ ફંડ જે 3 વર્ષ કે તેથી વધુ સમયની ક્ષિતિજ સાથે ડેટ સિક્યોરિટીઝમાં રોકાણ કરે છે. મિડ-ટર્મ ફંડ્સની સરેરાશ પાકતી મુદત લિક્વિડ, અલ્ટ્રા-શોર્ટ અને શોર્ટ ટર્મ કરતાં લાંબી હોય છે.ડેટ ફંડ. તાજેતરના સમયમાં, ભારતમાં સતત રેટ કટને કારણે મધ્યમ ફંડોએ શ્રેષ્ઠ વળતર આપ્યું છે. આ ફંડ્સ વ્યાજ દરો પ્રત્યે ઓછા સંવેદનશીલ હોય છે, અને તેથી તે લાંબા ગાળાના ફંડ્સ કરતાં ઓછા અસ્થિર હોય છે, જેમ કેગિલ્ટ ફંડ્સ. શ્રેષ્ઠ પરિણામો માટે, રોકાણકારોને એ દ્વારા શ્રેષ્ઠ મધ્યવર્તી ડેટ ફંડ્સમાં રોકાણ કરવાની સલાહ આપવામાં આવે છેSIP. રોકાણકારો નીચે આપેલા પ્રી-લિસ્ટેડ ટોપ રેટેડ મિડ-ટર્મ ડેટ ફંડમાંથી શ્રેષ્ઠ પ્રદર્શન કરનારી સ્કીમ પસંદ કરી શકે છે.

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SIP માં રોકાણ કરવા માટે ટોચના 5 શ્રેષ્ઠ પર્ફોર્મિંગ ઇન્ટરમીડિયેટ અથવા મિડ ટર્મ ડેટ ફંડ્સ

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
Aditya Birla Sun Life Medium Term Plan Growth	₹43.917 ↓ -0.03	₹3,370	1,000	0.2	3.1	7	9.7	11.8	10.9
Axis Strategic Bond Fund Growth	₹30.2437 ↓ -0.03	₹1,972	1,000	0.2	3.1	5.1	7.6	6.6	8.2
Nippon India Strategic Debt Fund Growth	₹16.9093 ↓ -0.01	₹146	100	0.1	2.7	4.6	7.7	6.3	9.6
HDFC Medium Term Debt Fund Growth	₹60.6069 ↓ -0.01	₹3,499	300	0.3	3.2	5.1	7.1	6	7.7
Kotak Dynamic Bond Fund Growth	₹39.7386 ↓ -0.02	₹2,219	1,000	-0.4	3.7	5	6.9	5.7	5.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 13 Nov 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Medium Term Plan	Axis Strategic Bond Fund	Nippon India Strategic Debt Fund	HDFC Medium Term Debt Fund	Kotak Dynamic Bond Fund
Point 1	Upper mid AUM (₹3,370 Cr).	Bottom quartile AUM (₹1,972 Cr).	Bottom quartile AUM (₹146 Cr).	Highest AUM (₹3,499 Cr).	Lower mid AUM (₹2,219 Cr).
Point 2	Established history (17+ yrs).	Established history (14+ yrs).	Established history (12+ yrs).	Oldest track record among peers (24 yrs).	Established history (18+ yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	1Y return: 6.97% (top quartile).	1Y return: 5.09% (upper mid).	1Y return: 4.59% (bottom quartile).	1Y return: 5.09% (lower mid).	1Y return: 5.02% (bottom quartile).
Point 6	1M return: 0.49% (lower mid).	1M return: 0.55% (upper mid).	1M return: 0.36% (bottom quartile).	1M return: 0.44% (bottom quartile).	1M return: 0.74% (top quartile).
Point 7	Sharpe: 0.92 (top quartile).	Sharpe: 0.13 (upper mid).	Sharpe: -0.06 (bottom quartile).	Sharpe: 0.08 (lower mid).	Sharpe: -0.16 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.99% (lower mid).	Yield to maturity (debt): 8.72% (top quartile).	Yield to maturity (debt): 0.08% (bottom quartile).	Yield to maturity (debt): 8.65% (upper mid).	Yield to maturity (debt): 7.51% (bottom quartile).
Point 10	Modified duration: 2.44 yrs (upper mid).	Modified duration: 3.08 yrs (lower mid).	Modified duration: 3.48 yrs (bottom quartile).	Modified duration: 2.16 yrs (top quartile).	Modified duration: 5.00 yrs (bottom quartile).

Aditya Birla Sun Life Medium Term Plan

Upper mid AUM (₹3,370 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 6.97% (top quartile).
1M return: 0.49% (lower mid).
Sharpe: 0.92 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.99% (lower mid).
Modified duration: 2.44 yrs (upper mid).

Axis Strategic Bond Fund

Bottom quartile AUM (₹1,972 Cr).
Established history (14+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 5.09% (upper mid).
1M return: 0.55% (upper mid).
Sharpe: 0.13 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 8.72% (top quartile).
Modified duration: 3.08 yrs (lower mid).

Nippon India Strategic Debt Fund

Bottom quartile AUM (₹146 Cr).
Established history (12+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 4.59% (bottom quartile).
1M return: 0.36% (bottom quartile).
Sharpe: -0.06 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 0.08% (bottom quartile).
Modified duration: 3.48 yrs (bottom quartile).

HDFC Medium Term Debt Fund

Highest AUM (₹3,499 Cr).
Oldest track record among peers (24 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.09% (lower mid).
1M return: 0.44% (bottom quartile).
Sharpe: 0.08 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.65% (upper mid).
Modified duration: 2.16 yrs (top quartile).

Kotak Dynamic Bond Fund

Lower mid AUM (₹2,219 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 5.02% (bottom quartile).
1M return: 0.74% (top quartile).
Sharpe: -0.16 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.51% (bottom quartile).
Modified duration: 5.00 yrs (bottom quartile).

1. Aditya Birla Sun Life Medium Term Plan

The primary investment objective of the Scheme is to generate regular income through investments in debt & money market instruments in order to make regular dividend payments to unit holders & secondary objective is growth of capital.

Research Highlights for Aditya Birla Sun Life Medium Term Plan

Upper mid AUM (₹3,370 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 6.97% (top quartile).
1M return: 0.49% (lower mid).
Sharpe: 0.92 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.99% (lower mid).
Modified duration: 2.44 yrs (upper mid).
Average maturity: 4.07 yrs (upper mid).
Exit load: 0-365 Days (1%),365 Days and above(NIL).
Top sector: Real Estate.
Top bond sector: Corporate.
Debt-heavy allocation (~81%).
High-quality debt (AAA/AA ~94%).
Largest holding 6.94% Govt Stock 2036 (~7.1%).

Below is the key information for Aditya Birla Sun Life Medium Term Plan

Aditya Birla Sun Life Medium Term Plan Growth
Launch Date	25 Mar 09
NAV (13 Nov 26)	₹43.917 ↓ -0.03 (-0.07 %)
Net Assets (Cr)	₹3,370 on 30 Sep 26
Category	Debt - Medium term Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.55
Sharpe Ratio	0.92
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	0-365 Days (1%),365 Days and above(NIL)
Yield to Maturity	7.99%
Effective Maturity	4 Years 25 Days
Modified Duration	2 Years 5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹12,395
31 Oct 23	₹13,234
31 Oct 24	₹14,687
31 Oct 25	₹16,327
31 Oct 26	₹17,410

Aditya Birla Sun Life Medium Term Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹215,396.
Net Profit of ₹35,396 Invest Now

Returns for Aditya Birla Sun Life Medium Term Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Nov 26

Duration	Returns
1 Month	0.5%
3 Month	0.2%
6 Month	3.1%
1 Year	7%
3 Year	9.7%
5 Year	11.8%
10 Year
15 Year
Since launch	8.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	10.9%
2024	10.5%
2023	6.9%
2022	24.8%
2021	7.1%
2020	8.1%
2019	-4.4%
2018	5.6%
2017	7%
2016	10.9%

Fund Manager information for Aditya Birla Sun Life Medium Term Plan

Name	Since	Tenure
Sunaina Cunha	1 Sep 14	12.09 Yr.
Mohit Sharma	6 Aug 20	6.16 Yr.

Data below for Aditya Birla Sun Life Medium Term Plan as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	14.53%
Equity	3.99%
Debt	81.25%
Other	0.23%

Debt Sector Allocation

Sector	Value
Corporate	54.75%
Government	26.5%
Cash Equivalent	14.53%

Credit Quality

Rating	Value
A	5.77%
AA	48.97%
AAA	45.26%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.94% Govt Stock 2036 Sovereign Bonds \| -	7%	₹238 Cr	24,500,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹123 Cr	12,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹112 Cr	11,500
Hinduja Leyland Finance Limited Debentures \| -	3%	₹109 Cr	11,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	3%	₹102 Cr	10,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹98 Cr	10,000 ↑ 5,000
Small Industries Development Bank Of India Debentures \| -	3%	₹98 Cr	10,000 ↑ 10,000
Oxyzo Financial Services Limited Debentures \| -	3%	₹89 Cr	9,000
GMR Airports Limited Debentures \| -	3%	₹85 Cr	8,000
Jubilant Bevco Limited Debentures \| -	2%	₹83 Cr	7,400

2. Axis Strategic Bond Fund

(Erstwhile Axis Income Fund)

To generate optimal returns in the medium term while maintaining liquidity of the portfolio by investing in debt and money market instruments.

Research Highlights for Axis Strategic Bond Fund

Bottom quartile AUM (₹1,972 Cr).
Established history (14+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 5.09% (upper mid).
1M return: 0.55% (upper mid).
Sharpe: 0.13 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 8.72% (top quartile).
Modified duration: 3.08 yrs (lower mid).
Average maturity: 4.50 yrs (lower mid).
Exit load: 0-12 Months (1%),12 Months and above(NIL).
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~91%).
High-quality debt (AAA/AA ~93%).
Largest holding 6.94% Govt Stock 2036 (~9.1%).

Below is the key information for Axis Strategic Bond Fund

Axis Strategic Bond Fund Growth
Launch Date	28 Mar 12
NAV (13 Nov 26)	₹30.2437 ↓ -0.03 (-0.08 %)
Net Assets (Cr)	₹1,972 on 30 Sep 26
Category	Debt - Medium term Bond
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.32
Sharpe Ratio	0.13
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)
Yield to Maturity	8.72%
Effective Maturity	4 Years 6 Months
Modified Duration	3 Years 29 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,329
31 Oct 23	₹11,038
31 Oct 24	₹12,043
31 Oct 25	₹13,085
31 Oct 26	₹13,700

Axis Strategic Bond Fund SIP Returns

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

Returns for Axis Strategic Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Nov 26

Duration	Returns
1 Month	0.6%
3 Month	0.2%
6 Month	3.1%
1 Year	5.1%
3 Year	7.6%
5 Year	6.6%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	8.2%
2024	8.7%
2023	7.3%
2022	3.8%
2021	5.2%
2020	10.5%
2019	7.1%
2018	6.7%
2017	7.5%
2016	11.6%

Fund Manager information for Axis Strategic Bond Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	13.91 Yr.
Sachin Jain	1 Feb 23	3.67 Yr.
Akhil Thakker	1 Feb 23	3.67 Yr.

Data below for Axis Strategic Bond Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	4.81%
Equity	3.75%
Debt	91.12%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	68.19%
Government	22.93%
Cash Equivalent	4.81%

Credit Quality

Rating	Value
A	7.02%
AA	63.08%
AAA	29.9%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.94% Govt Stock 2036 Sovereign Bonds \| -	9%	₹177 Cr	18,250,000 ↑ 500,000
Jubilant Beverages Limited Debentures \| -	4%	₹73 Cr	6,500
GMR Hyderabad International Airport Ltd Debentures \| -	3%	₹65 Cr	6,500
Jubilant Bevco Limited Debentures \| -	3%	₹62 Cr	5,500
Tamilnadu State Development Loans Sovereign Bonds \| -	3%	₹61 Cr	6,358,600
Adani Power Limited Debentures \| -	3%	₹60 Cr	6,000
Delhi International Airport Limited Debentures \| -	3%	₹55 Cr	5,500
Aditya Birla Digital Fashion Ventures Limited Debentures \| -	3%	₹55 Cr	5,500
Hiranandani Financial Services Private Limited Debentures \| -	3%	₹51 Cr	5,200
Aadhar Housing Finance Limited Debentures \| -	3%	₹50 Cr	5,000

3. Nippon India Strategic Debt Fund

(Erstwhile Reliance Classic Bond Fund)

To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximizing income while maintaining the optimum balance of yield, safety and liquidity. The scheme would focus its investments predominantly in corporate bonds of various maturities and across ratings for the purpose of achieving regular income and capital appreciation.

Research Highlights for Nippon India Strategic Debt Fund

Bottom quartile AUM (₹146 Cr).
Established history (12+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 4.59% (bottom quartile).
1M return: 0.36% (bottom quartile).
Sharpe: -0.06 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 0.08% (bottom quartile).
Modified duration: 3.48 yrs (bottom quartile).
Average maturity: 4.69 yrs (bottom quartile).
Exit load: 0-12 Months (1%),12 Months and above(NIL).
Top bond sector: Corporate.
Debt-heavy allocation (~82%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~6.8%).

Below is the key information for Nippon India Strategic Debt Fund

Nippon India Strategic Debt Fund Growth
Launch Date	26 Jun 14
NAV (13 Nov 26)	₹16.9093 ↓ -0.01 (-0.08 %)
Net Assets (Cr)	₹146 on 30 Sep 26
Category	Debt - Medium term Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.04
Sharpe Ratio	-0.06
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	0.08%
Effective Maturity	4 Years 8 Months 8 Days
Modified Duration	3 Years 5 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,131
31 Oct 23	₹10,820
31 Oct 24	₹11,747
31 Oct 25	₹12,930
31 Oct 26	₹13,490

Nippon India Strategic Debt Fund SIP Returns

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

Returns for Nippon India Strategic Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Nov 26

Duration	Returns
1 Month	0.4%
3 Month	0.1%
6 Month	2.7%
1 Year	4.6%
3 Year	7.7%
5 Year	6.3%
10 Year
15 Year
Since launch	4.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	9.6%
2024	8.3%
2023	7%
2022	2%
2021	17.4%
2020	-23.5%
2019	-3.4%
2018	4.7%
2017	6.9%
2016	11.1%

Fund Manager information for Nippon India Strategic Debt Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	8.36 Yr.
Sushil Budhia	1 Feb 20	6.67 Yr.
Akshay Sharma	1 Dec 22	3.83 Yr.
Amber Singhania	11 Mar 26	0.56 Yr.

Data below for Nippon India Strategic Debt Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	17.36%
Debt	82.3%
Other	0.35%

Debt Sector Allocation

Sector	Value
Corporate	51.81%
Government	30.49%
Cash Equivalent	17.36%

Credit Quality

Rating	Value
AA	49.51%
AAA	50.49%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	7%	₹10 Cr	1,000
Indian Railway Finance Corporation Limited Debentures \| -	4%	₹5 Cr	1,000
Triumph Composites Private Limited Debentures \| -	4%	₹5 Cr	515
Rec Limited Debentures \| -	4%	₹5 Cr	50
TRuhome Finance Limited Debentures \| -	3%	₹5 Cr	500
Muthoot Fincorp Limited Debentures \| -	3%	₹5 Cr	5,000
Godrej Industries Limited Debentures \| -	3%	₹5 Cr	500
5% Gmr Airports Limited** Debentures \| -	3%	₹5 Cr	500
7.27% Rajasthan Sdl 2029 Sovereign Bonds \| -	3%	₹5 Cr	500,000
7.3% Rajasthan Sdl 2030 Sovereign Bonds \| -	3%	₹5 Cr	500,000

4. HDFC Medium Term Debt Fund

(Erstwhile HDFC High Interest Fund - Short Term Plan)

To generate income by investing in a range of debt and money market instruments of various maturity dates with a view to maximising income while maintaining the optimum balance of yield, safety and liquidity. The objective is to cater to the needs of investors with shorter term investment horizons and to provide stable returns over shorter periods.

Research Highlights for HDFC Medium Term Debt Fund

Highest AUM (₹3,499 Cr).
Oldest track record among peers (24 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.09% (lower mid).
1M return: 0.44% (bottom quartile).
Sharpe: 0.08 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.65% (upper mid).
Modified duration: 2.16 yrs (top quartile).
Average maturity: 2.82 yrs (top quartile).
Exit load: 0-1 Months (0.25%),1 Months and above(NIL).
Top sector: Real Estate.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~91%).
High-quality debt (AAA/AA ~97%).
Largest holding SIDDHIVINAYAK SECURITISATION TRUST (~4.7%).

Below is the key information for HDFC Medium Term Debt Fund

HDFC Medium Term Debt Fund Growth
Launch Date	6 Feb 02
NAV (13 Nov 26)	₹60.6069 ↓ -0.01 (-0.02 %)
Net Assets (Cr)	₹3,499 on 30 Sep 26
Category	Debt - Medium term Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.32
Sharpe Ratio	0.08
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Months (0.25%),1 Months and above(NIL)
Yield to Maturity	8.65%
Effective Maturity	2 Years 9 Months 25 Days
Modified Duration	2 Years 1 Month 28 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,224
31 Oct 23	₹10,906
31 Oct 24	₹11,840
31 Oct 25	₹12,755
31 Oct 26	₹13,360

HDFC Medium Term Debt Fund SIP Returns

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

Returns for HDFC Medium Term Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Nov 26

Duration	Returns
1 Month	0.4%
3 Month	0.3%
6 Month	3.2%
1 Year	5.1%
3 Year	7.1%
5 Year	6%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.7%
2024	8.1%
2023	6.7%
2022	2.9%
2021	5%
2020	10%
2019	9.1%
2018	5.6%
2017	5.5%
2016	11.5%

Fund Manager information for HDFC Medium Term Debt Fund

Name	Since	Tenure
Anil Bamboli	7 Mar 26	0.57 Yr.
Praveen Jain	7 Mar 26	0.57 Yr.
Dhruv Muchhal	22 Jun 23	3.28 Yr.
Bhavyesh Divecha	1 Mar 25	1.59 Yr.

Data below for HDFC Medium Term Debt Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	3.67%
Equity	3.22%
Debt	91.45%
Other	1.66%

Debt Sector Allocation

Sector	Value
Corporate	76.23%
Government	15.22%
Cash Equivalent	3.67%

Credit Quality

Rating	Value
A	3.01%
AA	53.75%
AAA	43.24%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	5%	₹167 Cr	175
GMR Airports Limited Debentures \| -	5%	₹159 Cr	15,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹124 Cr	12,500
Jubilant Beverages Limited Debentures \| -	3%	₹120 Cr	10,720
182 Days Tbill Mat 180327 Sovereign Bonds \| -	3%	₹112 Cr	11,500,000 ↑ 11,500,000
SK Finance Limited Debentures \| -	3%	₹100 Cr	10,000
Kalpataru Projects International Limited Debentures \| -	3%	₹100 Cr	10,000
Small Industries Development Bank Of India Debentures \| -	3%	₹100 Cr	10,000
Sbfc Finance Limited Debentures \| -	3%	₹99 Cr	10,000
Kosamattam Finance Limited Debentures \| -	3%	₹98 Cr	10,000

5. Kotak Dynamic Bond Fund

(Erstwhile Kotak Flexi Debt Scheme)

To maximize returns through active management of a portfolio of debt and money market securities.

Research Highlights for Kotak Dynamic Bond Fund

Lower mid AUM (₹2,219 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 5.02% (bottom quartile).
1M return: 0.74% (top quartile).
Sharpe: -0.16 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.51% (bottom quartile).
Modified duration: 5.00 yrs (bottom quartile).
Average maturity: 15.85 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~42%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.9% Govt Stock 2065 (~11.3%).

Below is the key information for Kotak Dynamic Bond Fund

Kotak Dynamic Bond Fund Growth
Launch Date	26 May 08
NAV (13 Nov 26)	₹39.7386 ↓ -0.02 (-0.06 %)
Net Assets (Cr)	₹2,219 on 30 Sep 26
Category	Debt - Medium term Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	1.33
Sharpe Ratio	-0.16
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.51%
Effective Maturity	15 Years 10 Months 6 Days
Modified Duration	5 Years

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,166
31 Oct 23	₹10,756
31 Oct 24	₹11,929
31 Oct 25	₹12,612
31 Oct 26	₹13,112

Kotak Dynamic Bond Fund 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 Kotak Dynamic Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Nov 26

Duration	Returns
1 Month	0.7%
3 Month	-0.4%
6 Month	3.7%
1 Year	5%
3 Year	6.9%
5 Year	5.7%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	5.9%
2024	9.3%
2023	6.5%
2022	2.5%
2021	3.2%
2020	11.7%
2019	11.1%
2018	7.3%
2017	5.6%
2016	13.4%

Fund Manager information for Kotak Dynamic Bond Fund

Name	Since	Tenure
Deepak Agrawal	25 Nov 12	13.86 Yr.
Abhishek Bisen	1 Nov 22	3.92 Yr.

Data below for Kotak Dynamic Bond Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	41.53%
Equity	10.06%
Debt	48.01%
Other	0.41%

Debt Sector Allocation

Sector	Value
Corporate	43.44%
Cash Equivalent	27%
Government	19.1%

Credit Quality

Rating	Value
AA	29.69%
AAA	70.31%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.9% Govt Stock 2065 Sovereign Bonds \| -	11%	₹247 Cr	28,000,000 ↓ -15,000,000
Muthoot Finance Limited Debentures \| -	7%	₹151 Cr	15,000
Vedanta Limited Debentures \| -	7%	₹150 Cr	15,000
7.25% Govt Stock 2063 Sovereign Bonds \| -	5%	₹107 Cr	11,500,000
Adani Power Limited Debentures \| -	4%	₹94 Cr	9,500
Indus Infra Trust Unit (Financial Services) Equity, Since 15 Nov 25 \| 544137	4%	₹87 Cr	6,829,947
TATA Steel Limited Debentures \| -	3%	₹73 Cr	750
Embassy Office Parks REIT (Real Estate) -, Since 31 May 21 \| 542602	2%	₹49 Cr	1,119,616
Indigrid Infrastructure Trust Debentures \| -	2%	₹48 Cr	5,000
Ongc Petro Additions Limited Debentures \| -	2%	₹48 Cr	5,000

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