તમારા એકાધિકાર રોકાણ માટે દેવું મ્યુચ્યુઅલ ફંડ્સ

Updated on November 10, 2026 , 3045 views

સામાન્ય રીતે, જ્યારે કોઈ ઇચ્છે છેમ્યુચ્યુઅલ ફંડમાં રોકાણ કરો, તેઓ મૂંઝવણમાં છે જો તેઓએ લેવું જોઈએએસ.આઈ.પી. માર્ગ અથવા એકલમ રકમ. ચાલો તમારા માટે તે સરળ બનાવીએ! રોકાણકારો કે જેઓ fundsણ ભંડોળમાં રોકાણ કરવાની યોજના બનાવી રહ્યા છે, તેઓએ આદર્શ રીતે એક સમયના ચુકવણીની સ્થિતિ પસંદ કરવી જોઈએ, તે રોકાણનો એકમ રકમ છે. ટૂંકા ગાળા માટે સરળ સાથે રોકાણ કરવું હંમેશાં મુજબની છેપ્રવાહીતા.

દેવું મ્યુચ્યુઅલ ફંડના રોકાણ માટે કેમ એકઠોર રકમ?

એકમાત્ર રોકાણ માટે, debtણ ભંડોળ એ સરખામણીમાં વધુ સારો વિકલ્પ છેઇક્વિટી મ્યુચ્યુઅલ ફંડ્સ. એકમોટ રસ્તો વ્યાજના દરમાં પરિવર્તન થવાનું જોખમ ઘટાડે છે સાથે સાથે ફિક્સ ડિપોઝિટ (એફડી) ની તુલનામાં વધુ સારું વળતર આપે છે. આદર્શરીતે, જ્યારે તમે debtણ ભંડોળમાં એકમાત્ર રૂટ પર રોકાણ કરો છો, ત્યારે તે બે મુદ્દાઓને હલ કરે છે - એક ટેક્સ બેનિફિટ્સ છે અને બીજું ફરીથી રોકાણનું જોખમ છે.

વધતા વ્યાજ દર દરમિયાન, ઉચ્ચ ગુણવત્તાવાળા પોર્ટફોલિયો સાથે debtણલક્ષી ભંડોળના એકમમ રસ્તો લેવાનો સારો સમય છે.બોન્ડ્સ. આ ભંડોળ સામાન્ય રીતે એવા લોકો માટે યોગ્ય છે કે જેમની પાસે નિષ્ક્રિય બચત હોય અને શ્રેષ્ઠ વળતર માટે રોકાણ કરવું હોય. કોઈપણ સંખ્યામાં એકાંત રકમ ચૂકવણી કરી શકાય છેમ્યુચ્યુઅલ ફંડ.

વ્યવસ્થિતની તુલનામાં એકમમ રોકાણ સારું કામ કરે છેરોકાણની યોજના- માર્કેટના ઘટાડા દરમિયાન અથવા ઓછા મૂલ્યાંકન દરમિયાન જ રોકાણ કરવામાં આવે તો. જો કે, એકમ રકમરોકાણ માર્કેટ વેલ્યુએશન લંબાય છે અથવા જ્યારે તમારા રોકાણના પ્રારંભિક તબક્કામાં બજારો ઝડપથી સુધરે છે ત્યારે કોઈ વધારે પડતું રોકાણ કરશે તો કામ કરી શકશે નહીં.

Tણ ભંડોળમાં કેવી રીતે રોકાણ કરવું: મૂલ્યાંકન કરો

ફંડ વળતર- ખોરાકનો સારો ટ્રેક રેકોર્ડ હોવો જોઈએ. ફંડ હાઉસ માટે જાઓ જે સતત પ્રભાવ પ્રદાન કરવાનો મજબૂત ઇતિહાસ ધરાવે છે. ભંડોળનું પાછલું 1, 3 અને 5 વર્ષનું વળતર તપાસો અને જો તે તેના બેંચમાર્કને હરાવવા માટે સક્ષમ છે કે નહીં.

મેચ ટાઇમ હોરાઇઝન્સ- tણ ભંડોળ તેના સંબંધિત પાકતી અવધિ સાથે રોકાણની વિવિધ પસંદગીઓ પ્રદાન કરે છે. રોકાણકારોએ તેમની પાકતી અવધિના આધારે રોકાણ નક્કી કરવાની જરૂર છે, જ્યારે તેઓ અન્ય સાથે પણ તુલના કરી શકે છેTણ ભંડોળ ઇન્સ્ટ્રુમેન્ટ્સ અને તેમની યોજના માટે શ્રેષ્ઠ અનુરૂપ એક પસંદ કરો. ઉદાહરણ તરીકે, જો તમે એક વર્ષની રોકાણ યોજનાની સમયમર્યાદા જોઈ રહ્યા છો, તો ટૂંકા ગાળાના debtણ ભંડોળ આદર્શ રૂપે અનુકૂળ થઈ શકે છે.

ખર્ચ ગુણોત્તર- ડેટ ફંડ્સમાં ધ્યાનમાં લેવાના એક મહત્વપૂર્ણ પરિબળ એ તેના ખર્ચનો ગુણોત્તર છે. Expંચો ખર્ચ ગુણોત્તર ભંડોળના પ્રભાવ પર મોટી અસર બનાવે છે. દાખ્લા તરીકે,લિક્વિડ ફંડ્સ b૦ બીપીએસ સુધીનો સૌથી ઓછો ખર્ચ ગુણોત્તર છે (બી.પી.એસ. એક વ્યાજ દર માપવા માટે એકમ છે જેમાં એક બીપીએસ 1% ના 1 / 100th જેટલું છે) જ્યારે, અન્ય debtણ ભંડોળ 150 બીપીએસ સુધી ચાર્જ કરી શકે છે. તેથી એક debtણ મ્યુચ્યુઅલ ફંડ વચ્ચે પસંદગી કરવા માટે, મેનેજમેન્ટ ફી અથવા ફંડના ચાલતા ખર્ચ પર વિચાર કરવો મહત્વપૂર્ણ છે.

ટોચના 10 શ્રેષ્ઠ ગઠ્ઠો રકમ દેવું મ્યુચ્યુઅલ ફંડ્સ 2020 - 2021

નીચેથી ટોચનાં ક્રમાંકિત ભંડોળ છેદેવું શ્રેણીઓ જેમાં મુખ્યત્વે ભંડોળ હોય છેએયુએમ> 2000 કરોડ અને અલ્ટ્રા-શોર્ટ, કોર્પોરેટ બોન્ડ, ક્રેડિટ રિસ્ક, લો અવધિ પેટા વર્ગોમાં છે.

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2025 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹596.866 ↑ 0.13	₹16,279	1,000	1.4	3.3	6.2	7.2	7.4	7.61%	6M 7D	7M 13D
Aditya Birla Sun Life Corporate Bond Fund Growth	₹119.703 ↓ -0.03	₹22,722	1,000	-0.2	2.6	3.5	6.7	7.4	7.82%	3Y 14D	4Y 1M 2D
HDFC Corporate Bond Fund Growth	₹34.4183 ↑ 0.00	₹29,479	5,000	-0.3	2.4	3.2	6.6	7.3	7.8%	3Y 7M 2D	6Y 1M 20D
SBI Credit Risk Fund Growth	₹50.0187 ↑ 0.00	₹2,182	5,000	0.8	4	6.8	7.7	7.9	8.86%	2Y 25D	2Y 9M 18D
HDFC Credit Risk Debt Fund Growth	₹26.2273 ↑ 0.00	₹7,631	5,000	0.8	3.6	6.1	7.5	8	8.88%	2Y 4D	2Y 7M 28D
UTI Ultra Short Term Fund Growth	₹4,588.42 ↑ 1.28	₹3,017	5,000	1.4	3.2	5.9	6.7	6.6	7.29%	5M 10D	6M 15D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 Nov 26

Research Highlights & Commentary of 6 Funds showcased

Commentary	Aditya Birla Sun Life Savings Fund	Aditya Birla Sun Life Corporate Bond Fund	HDFC Corporate Bond Fund	SBI Credit Risk Fund	HDFC Credit Risk Debt Fund	UTI Ultra Short Term Fund
Point 1	Upper mid AUM (₹16,279 Cr).	Upper mid AUM (₹22,722 Cr).	Highest AUM (₹29,479 Cr).	Bottom quartile AUM (₹2,182 Cr).	Lower mid AUM (₹7,631 Cr).	Bottom quartile AUM (₹3,017 Cr).
Point 2	Established history (23+ yrs).	Oldest track record among peers (29 yrs).	Established history (16+ yrs).	Established history (22+ yrs).	Established history (12+ yrs).	Established history (23+ yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 5★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	1Y return: 6.19% (upper mid).	1Y return: 3.48% (bottom quartile).	1Y return: 3.24% (bottom quartile).	1Y return: 6.77% (top quartile).	1Y return: 6.08% (upper mid).	1Y return: 5.92% (lower mid).
Point 6	1M return: 0.44% (bottom quartile).	1M return: 0.67% (upper mid).	1M return: 0.67% (upper mid).	1M return: 0.57% (lower mid).	1M return: 0.68% (top quartile).	1M return: 0.43% (bottom quartile).
Point 7	Sharpe: 0.96 (upper mid).	Sharpe: -0.45 (bottom quartile).	Sharpe: -0.54 (bottom quartile).	Sharpe: 1.02 (top quartile).	Sharpe: 0.55 (lower mid).	Sharpe: 0.65 (upper mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	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): 7.61% (bottom quartile).	Yield to maturity (debt): 7.82% (upper mid).	Yield to maturity (debt): 7.80% (lower mid).	Yield to maturity (debt): 8.86% (upper mid).	Yield to maturity (debt): 8.88% (top quartile).	Yield to maturity (debt): 7.29% (bottom quartile).
Point 10	Modified duration: 0.52 yrs (upper mid).	Modified duration: 3.04 yrs (bottom quartile).	Modified duration: 3.59 yrs (bottom quartile).	Modified duration: 2.07 yrs (lower mid).	Modified duration: 2.01 yrs (upper mid).	Modified duration: 0.44 yrs (top quartile).

Aditya Birla Sun Life Savings Fund

Upper mid AUM (₹16,279 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.19% (upper mid).
1M return: 0.44% (bottom quartile).
Sharpe: 0.96 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.61% (bottom quartile).
Modified duration: 0.52 yrs (upper mid).

Aditya Birla Sun Life Corporate Bond Fund

Upper mid AUM (₹22,722 Cr).
Oldest track record among peers (29 yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 3.48% (bottom quartile).
1M return: 0.67% (upper mid).
Sharpe: -0.45 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.82% (upper mid).
Modified duration: 3.04 yrs (bottom quartile).

HDFC Corporate Bond Fund

Highest AUM (₹29,479 Cr).
Established history (16+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 3.24% (bottom quartile).
1M return: 0.67% (upper mid).
Sharpe: -0.54 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.80% (lower mid).
Modified duration: 3.59 yrs (bottom quartile).

SBI Credit Risk Fund

Bottom quartile AUM (₹2,182 Cr).
Established history (22+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 6.77% (top quartile).
1M return: 0.57% (lower mid).
Sharpe: 1.02 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.86% (upper mid).
Modified duration: 2.07 yrs (lower mid).

HDFC Credit Risk Debt Fund

Lower mid AUM (₹7,631 Cr).
Established history (12+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.08% (upper mid).
1M return: 0.68% (top quartile).
Sharpe: 0.55 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.88% (top quartile).
Modified duration: 2.01 yrs (upper mid).

UTI Ultra Short Term Fund

Bottom quartile AUM (₹3,017 Cr).
Established history (23+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 5.92% (lower mid).
1M return: 0.43% (bottom quartile).
Sharpe: 0.65 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.29% (bottom quartile).
Modified duration: 0.44 yrs (top quartile).

1. Aditya Birla Sun Life Savings Fund

The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents.

Research Highlights for Aditya Birla Sun Life Savings Fund

Upper mid AUM (₹16,279 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.19% (upper mid).
1M return: 0.44% (bottom quartile).
Sharpe: 0.96 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.61% (bottom quartile).
Modified duration: 0.52 yrs (upper mid).
Average maturity: 0.62 yrs (upper mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Debt-heavy allocation (~66%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank for Agriculture and Rural Development (~4.8%).

Below is the key information for Aditya Birla Sun Life Savings Fund

Aditya Birla Sun Life Savings Fund Growth
Launch Date	16 Apr 03
NAV (12 Nov 26)	₹596.866 ↑ 0.13 (0.02 %)
Net Assets (Cr)	₹16,279 on 30 Sep 26
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.57
Sharpe Ratio	0.96
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.61%
Effective Maturity	7 Months 13 Days
Modified Duration	6 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,430
31 Oct 23	₹11,178
31 Oct 24	₹12,039
31 Oct 25	₹12,965
31 Oct 26	₹13,751

Aditya Birla Sun Life Savings 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 Aditya Birla Sun Life Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Nov 26

Duration	Returns
1 Month	0.4%
3 Month	1.4%
6 Month	3.3%
1 Year	6.2%
3 Year	7.2%
5 Year	6.6%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
2024	7.9%
2023	7.2%
2022	4.8%
2021	3.9%
2020	7%
2019	8.5%
2018	7.6%
2017	7.2%
2016	9.2%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	12.29 Yr.
Kaustubh Gupta	15 Jul 11	15.22 Yr.
Monika Gandhi	22 Mar 21	5.53 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	34.27%
Debt	65.73%

Debt Sector Allocation

Sector	Value
Corporate	72.11%
Government	17.86%
Cash Equivalent	10.03%

Credit Quality

Rating	Value
AA	38.56%
AAA	61.44%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank for Agriculture and Rural Development Domestic Bonds \| -	5%	₹743 Cr	15,300
Shriram Finance Limited Debentures \| -	3%	₹529 Cr	52,500
Vedanta Limited Debentures \| -	3%	₹449 Cr	44,500
Bharti Telecom Limited Debentures \| -	3%	₹396 Cr	40,000
Muthoot Finance Limited Debentures \| -	2%	₹322 Cr	32,500
Mankind Pharma Limited Debentures \| -	2%	₹320 Cr	32,000 ↑ 32,000
Adani Airport Holdings Limited Debentures \| -	2%	₹296 Cr	30,000
AU Small Finance Bank Ltd. Debentures \| -	2%	₹294 Cr	6,000
Avanse Financial Services Limited Debentures \| -	2%	₹293 Cr	29,500 ↓ -500
Piramal Finance Limited Debentures \| -	2%	₹280 Cr	28,000

2. Aditya Birla Sun Life Corporate Bond Fund

(Erstwhile Aditya Birla Sun Life Short Term Fund)

An Open-ended income scheme with the objective to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market securities.

Research Highlights for Aditya Birla Sun Life Corporate Bond Fund

Upper mid AUM (₹22,722 Cr).
Oldest track record among peers (29 yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 3.48% (bottom quartile).
1M return: 0.67% (upper mid).
Sharpe: -0.45 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.82% (upper mid).
Modified duration: 3.04 yrs (bottom quartile).
Average maturity: 4.09 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~90%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.94% Govt Stock 2036 (~9.3%).

Below is the key information for Aditya Birla Sun Life Corporate Bond Fund

Aditya Birla Sun Life Corporate Bond Fund Growth
Launch Date	3 Mar 97
NAV (12 Nov 26)	₹119.703 ↓ -0.03 (-0.02 %)
Net Assets (Cr)	₹22,722 on 30 Sep 26
Category	Debt - Corporate Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.51
Sharpe Ratio	-0.45
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.82%
Effective Maturity	4 Years 1 Month 2 Days
Modified Duration	3 Years 14 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,345
31 Oct 23	₹11,070
31 Oct 24	₹12,058
31 Oct 25	₹12,999
31 Oct 26	₹13,389

Aditya Birla Sun Life Corporate 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 Aditya Birla Sun Life Corporate 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 12 Nov 26

Duration	Returns
1 Month	0.7%
3 Month	-0.2%
6 Month	2.6%
1 Year	3.5%
3 Year	6.7%
5 Year	6.2%
10 Year
15 Year
Since launch	8.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
2024	8.5%
2023	7.3%
2022	4.1%
2021	4%
2020	11.9%
2019	9.6%
2018	7%
2017	6.5%
2016	10.2%

Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund

Name	Since	Tenure
Kaustubh Gupta	12 Apr 21	5.47 Yr.

Data below for Aditya Birla Sun Life Corporate Bond Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	9.72%
Debt	90.28%

Debt Sector Allocation

Sector	Value
Corporate	65.08%
Government	27.24%
Cash Equivalent	7.68%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.94% Govt Stock 2036 Sovereign Bonds \| -	9%	₹2,330 Cr	240,276,100 ↑ 102,000,000
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹1,178 Cr	119,000 ↑ 10,000
Bharti Telecom Limited Debentures \| -	4%	₹985 Cr	99,500 ↑ 32,000
Small Industries Development Bank Of India Debentures \| -	3%	₹681 Cr	69,546 ↑ 30,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹634 Cr	64,500
Housing And Urban Development Corporation Limited Debentures \| -	2%	₹589 Cr	60,000 ↑ 17,500
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹516 Cr	54,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹484 Cr	49,620
Bajaj Housing Finance Limited Debentures \| -	2%	₹482 Cr	50,000
Embassy Office Parks Reit Debentures \| -	2%	₹393 Cr	40,000

3. HDFC Corporate Bond Fund

(Erstwhile HDFC Medium Term Opportunities Fund)

To generate regular income through investments in Debt/ Money Market Instruments and Government Securities with maturities not exceeding 60 months.

Research Highlights for HDFC Corporate Bond Fund

Highest AUM (₹29,479 Cr).
Established history (16+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 3.24% (bottom quartile).
1M return: 0.67% (upper mid).
Sharpe: -0.54 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.80% (lower mid).
Modified duration: 3.59 yrs (bottom quartile).
Average maturity: 6.14 yrs (bottom quartile).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding Bajaj Finance Limited (~3.6%).

Below is the key information for HDFC Corporate Bond Fund

HDFC Corporate Bond Fund Growth
Launch Date	29 Jun 10
NAV (12 Nov 26)	₹34.4183 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹29,479 on 30 Sep 26
Category	Debt - Corporate Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	-0.54
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.8%
Effective Maturity	6 Years 1 Month 20 Days
Modified Duration	3 Years 7 Months 2 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,263
31 Oct 23	₹10,999
31 Oct 24	₹11,964
31 Oct 25	₹12,898
31 Oct 26	₹13,222

HDFC Corporate 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 HDFC Corporate 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 12 Nov 26

Duration	Returns
1 Month	0.7%
3 Month	-0.3%
6 Month	2.4%
1 Year	3.2%
3 Year	6.6%
5 Year	5.9%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.3%
2024	8.6%
2023	7.2%
2022	3.3%
2021	3.9%
2020	11.8%
2019	10.3%
2018	6.5%
2017	6.5%
2016	10.6%

Fund Manager information for HDFC Corporate Bond Fund

Name	Since	Tenure
Anupam Joshi	27 Oct 15	10.94 Yr.
Dhruv Muchhal	22 Jun 23	3.28 Yr.

Data below for HDFC Corporate Bond Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	3.9%
Debt	95.74%
Other	0.36%

Debt Sector Allocation

Sector	Value
Corporate	66.19%
Government	29.36%
Cash Equivalent	3.92%
Securitized	0.17%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bajaj Finance Limited Debentures \| -	4%	₹1,034 Cr	110,000
6.9% Govt Stock 2065 Sovereign Bonds \| -	3%	₹954 Cr	108,000,000 ↓ -20,000,000
State Bank Of India Debentures \| -	3%	₹745 Cr	775
LIC Housing Finance Ltd Debentures \| -	2%	₹496 Cr	5,000
Small Industries Development Bank Of India Debentures \| -	2%	₹496 Cr	50,000
HDFC Bank Limited Debentures \| -	2%	₹487 Cr	50,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹454 Cr	46,542
Rural Electrification Corporation Limited Debentures \| -	2%	₹454 Cr	4,500
6.75% Govt Stock 2033 Sovereign Bonds \| -	1%	₹430 Cr	41,500,000 ↓ -1,000,000
National Highways Authority Of India Debentures \| -	1%	₹415 Cr	4,100

4. SBI Credit Risk Fund

(Erstwhile SBI Corporate Bond Fund)

The investment objective will be to actively manage a portfolio of good quality corporate debt as well as Money Market Instruments so as to provide reasonable returns and liquidity to the Unit holders. However there is no guarantee or assurance that the investment objective of the scheme will be achieved.

Research Highlights for SBI Credit Risk Fund

Bottom quartile AUM (₹2,182 Cr).
Established history (22+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 6.77% (top quartile).
1M return: 0.57% (lower mid).
Sharpe: 1.02 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.86% (upper mid).
Modified duration: 2.07 yrs (lower mid).
Average maturity: 2.80 yrs (lower mid).
Exit load: 0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL).
Top sector: Industrials.
Top bond sector: Corporate.
Debt-heavy allocation (~86%).
High-quality debt (AAA/AA ~93%).
Largest holding H.G. Infra Engineering Limited (~4.6%).

Below is the key information for SBI Credit Risk Fund

SBI Credit Risk Fund Growth
Launch Date	19 Jul 04
NAV (12 Nov 26)	₹50.0187 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹2,182 on 30 Sep 26
Category	Debt - Credit Risk
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.54
Sharpe Ratio	1.02
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL)
Yield to Maturity	8.86%
Effective Maturity	2 Years 9 Months 18 Days
Modified Duration	2 Years 25 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,378
31 Oct 23	₹11,224
31 Oct 24	₹12,136
31 Oct 25	₹13,136
31 Oct 26	₹13,980

SBI Credit Risk Fund 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 SBI Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Nov 26

Duration	Returns
1 Month	0.6%
3 Month	0.8%
6 Month	4%
1 Year	6.8%
3 Year	7.7%
5 Year	7%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.9%
2024	8.1%
2023	8.3%
2022	4.2%
2021	5%
2020	9.8%
2019	6.5%
2018	6.2%
2017	6.9%
2016	10.5%

Fund Manager information for SBI Credit Risk Fund

Name	Since	Tenure
Lokesh Mallya	1 Feb 17	9.67 Yr.
Prashanth Sridhar	1 Jul 26	0.25 Yr.

Data below for SBI Credit Risk Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	4.81%
Equity	5.7%
Debt	85.88%
Other	3.61%

Debt Sector Allocation

Sector	Value
Corporate	73.42%
Government	12.45%
Cash Equivalent	4.81%

Credit Quality

Rating	Value
A	7.34%
AA	73.28%
AAA	19.39%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
H.G. Infra Engineering Limited Debentures \| -	5%	₹101 Cr	10,000
Nj Capital Private Limited Debentures \| -	5%	₹99 Cr	10,000
TATA Projects Limited Debentures \| -	5%	₹99 Cr	10,000
Renew Solar Energy (Jharkhand Five) Private Limited Debentures \| -	5%	₹99 Cr	11,000
Jtpm Metal TRaders Limited Debentures \| -	4%	₹97 Cr	9,000
Lodha Developers Limited Debentures \| -	4%	₹86 Cr	10,000
Renserv Global Private Limited Debentures \| -	4%	₹80 Cr	8,000
Jsw Jfe Kalinga Steel Limited Debentures \| -	4%	₹78 Cr	7,500
Aditya Birla Renewables Limited Debentures \| -	3%	₹75 Cr	7,500
Motilal Oswal Home Finance Limited Debentures \| -	3%	₹75 Cr	7,500

5. HDFC Credit Risk Debt Fund

(Erstwhile HDFC Corporate Debt Opportunities Fund)

To generate regular income and capital appreciation by investing predominantly in corporate debt.

Research Highlights for HDFC Credit Risk Debt Fund

Lower mid AUM (₹7,631 Cr).
Established history (12+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.08% (upper mid).
1M return: 0.68% (top quartile).
Sharpe: 0.55 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.88% (top quartile).
Modified duration: 2.01 yrs (upper mid).
Average maturity: 2.66 yrs (upper mid).
Exit load: 0-12 Months (1%),12-18 Months (0.5%),18 Months and above(NIL).
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~88%).
High-quality debt (AAA/AA ~98%).
Largest holding GMR Airports Limited (~4.9%).

Below is the key information for HDFC Credit Risk Debt Fund

HDFC Credit Risk Debt Fund Growth
Launch Date	25 Mar 14
NAV (12 Nov 26)	₹26.2273 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹7,631 on 30 Sep 26
Category	Debt - Credit Risk
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.53
Sharpe Ratio	0.55
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-12 Months (1%),12-18 Months (0.5%),18 Months and above(NIL)
Yield to Maturity	8.88%
Effective Maturity	2 Years 7 Months 28 Days
Modified Duration	2 Years 4 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,334
31 Oct 23	₹11,013
31 Oct 24	₹11,967
31 Oct 25	₹12,915
31 Oct 26	₹13,641

HDFC Credit Risk 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 Credit Risk 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 12 Nov 26

Duration	Returns
1 Month	0.7%
3 Month	0.8%
6 Month	3.6%
1 Year	6.1%
3 Year	7.5%
5 Year	6.5%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	8%
2024	8.2%
2023	6.6%
2022	3.7%
2021	7%
2020	10.9%
2019	8.6%
2018	5.4%
2017	6.6%
2016	11%

Fund Manager information for HDFC Credit Risk Debt Fund

Name	Since	Tenure
Praveen Jain	7 Mar 26	0.57 Yr.
Dhruv Muchhal	22 Jun 23	3.28 Yr.
Bhavyesh Divecha	7 Mar 26	0.57 Yr.

Data below for HDFC Credit Risk Debt Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	3.9%
Equity	6.26%
Debt	88.2%
Other	1.64%

Debt Sector Allocation

Sector	Value
Corporate	74.67%
Government	13.53%
Cash Equivalent	3.9%

Credit Quality

Rating	Value
A	2.24%
AA	69.14%
AAA	28.63%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
GMR Airports Limited Debentures \| -	5%	₹372 Cr	35,000
Nirma Limited Debentures \| -	4%	₹300 Cr	30,000
Indus Infra Trust Unit (Financial Services) Equity, Since 29 Feb 24 \| 544137	3%	₹240 Cr	18,951,606
Triumph Composites Private Limited Debentures \| -	3%	₹237 Cr	24,000
Jubilant Beverages Limited Debentures \| -	3%	₹215 Cr	19,190
Aditya Birla Renewables Limited Debentures \| -	3%	₹210 Cr	21,000
Bamboo Hotel And Global Centre (Delhi) Private Limited Debentures \| -	3%	₹200 Cr	20,000
Jubilant Bevco Limited Debentures \| -	3%	₹200 Cr	17,750
Kalpataru Projects International Limited Debentures \| -	3%	₹199 Cr	20,000
8.28% Tamilnadu SDL 2028 Sovereign Bonds \| -	2%	₹178 Cr	17,500,000

6. UTI Ultra Short Term Fund

(Erstwhile UTI - Floating Rate Fund - Short Term Plan)

To generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments, fixed rate debt / money market instruments swapped for floating rate returns. The Scheme may also invest a portion of its net assets in fixed rate debt securities and money market instruments .However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

Research Highlights for UTI Ultra Short Term Fund

Bottom quartile AUM (₹3,017 Cr).
Established history (23+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 5.92% (lower mid).
1M return: 0.43% (bottom quartile).
Sharpe: 0.65 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.29% (bottom quartile).
Modified duration: 0.44 yrs (top quartile).
Average maturity: 0.54 yrs (top quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~56%).
High-quality debt (AAA/AA ~100%).
Largest holding 26/11/2026 Maturing 364 DTB (~6.5%).

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (12 Nov 26)	₹4,588.42 ↑ 1.28 (0.03 %)
Net Assets (Cr)	₹3,017 on 30 Sep 26
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	0.65
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.29%
Effective Maturity	6 Months 15 Days
Modified Duration	5 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,368
31 Oct 23	₹11,067
31 Oct 24	₹11,863
31 Oct 25	₹12,674
31 Oct 26	₹13,406

UTI Ultra Short Term 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 UTI Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Nov 26

Duration	Returns
1 Month	0.4%
3 Month	1.4%
6 Month	3.2%
1 Year	5.9%
3 Year	6.7%
5 Year	6.1%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.6%
2024	7.2%
2023	6.7%
2022	4.2%
2021	6.1%
2020	5.3%
2019	3.3%
2018	7%
2017	6.6%
2016	8.9%

Fund Manager information for UTI Ultra Short Term Fund

Name	Since	Tenure
Anurag Mittal	21 Jul 26	0.2 Yr.

Data below for UTI Ultra Short Term Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	55.99%
Debt	43.58%
Other	0.43%

Debt Sector Allocation

Sector	Value
Corporate	66.98%
Cash Equivalent	17.94%
Government	14.64%

Credit Quality

Rating	Value
AA	27.68%
AAA	72.32%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
26/11/2026 Maturing 364 DTB Sovereign Bonds \| -	6%	₹199 Cr	2,000,000,000
HDFC Bank Ltd. Debentures \| -	5%	₹147 Cr	1,500,000,000
Axis Bank Ltd. Debentures \| -	5%	₹146 Cr	1,500,000,000
Godrej Properties Limited Debentures \| -	3%	₹90 Cr	9,000
Nuvama Wealth Finance Limited Debentures \| -	2%	₹75 Cr	7,500
360 One Prime Limited Debentures \| -	2%	₹75 Cr	7,500
Poonawalla Fincorp Limited Debentures \| -	2%	₹75 Cr	7,500
Ujjivan Small Finance Bank Limited Debentures \| -	2%	₹74 Cr	750,000,000
Aditya Birla Renewables Limited Debentures \| -	2%	₹65 Cr	6,500
Piramal Finance Limited Debentures \| -	2%	₹60 Cr	6,000

Umpનલાઇન લમ્પ સમ tણ મ્યુચ્યુઅલ ફંડમાં કેવી રીતે રોકાણ કરવું?

ફિન્કashશ.કોમ પર લાઇફટાઇમ માટે નિ Freeશુલ્ક નિવેશ એકાઉન્ટ ખોલો.

તમારી નોંધણી અને કેવાયસી પ્રક્રિયા પૂર્ણ કરો

દસ્તાવેજો અપલોડ કરો (પાન, આધાર, વગેરે).અને, તમે રોકાણ માટે તૈયાર છો!

શરૂ કરો

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.