+91-22-48913909डेट म्यूचुअल फंड में सर्वश्रेष्ठ डायरेक्ट प्लान
म्यूचुअल फंड दो प्लान पेश करता है- रेगुलर और डायरेक्ट। जबकि नियमित योजनाएँ कई वर्षों से विकल्प में हैं, पहली प्रत्यक्ष योजना वर्ष 2013 में पेश की गई थी। लेकिन, प्रत्यक्ष योजनाएँ अपनी अनूठी विशेषताओं और लाभों के कारण नए निवेशकों के बीच भारी लोकप्रियता प्राप्त कर रही हैं। हालांकि फिलहाल डायरेक्ट प्लान्स एक लिमिटेड प्लेटफॉर्म के जरिए ही उपलब्ध हैं, लेकिन इसकी डिमांड को देखते हुए कई चैनल डायरेक्ट प्लान पेश कर रहे हैं। निवेशक जो निवेश करना चाहते हैंडेट फंड डायरेक्ट प्लान चुनकर, यहां डायरेक्ट फंड क्या हैं, डेट फंड की एक संक्षिप्त समझ के साथ-साथ कुछ बेहतरीन डायरेक्ट पैन डेट फंड की एक झलक है।
डायरेक्ट फंड आपके लिए क्यों हैं?
नियमित फंडों के विपरीत, म्यूचुअल फंड कंपनी, आरटीए जैसे कार्वी/सीएएमएस, सीमित तृतीय पक्ष प्रतिभूति मध्यस्थ, और फंड हाउस के अधिकृत स्थानीय प्रतिनिधि। निवेशक जो स्वतंत्र रूप से निवेश कर सकते हैं और अपने निवेश को किसी सलाहकार या मध्यस्थ की मदद के बिना ट्रैक कर सकते हैं, वे फंड हाउस से सीधे योजनाओं में निवेश कर सकते हैं।
डायरेक्ट फंड्स में रेगुलर फंड्स की तरह कोई एक्सपेंस चार्ज नहीं होता है। के रूप में वहाँ नहीं हैंवितरक शुल्क/लेनदेन चार्जर, आदि, प्रत्यक्ष योजनाओं का व्यय अनुपात कम है। इसका असर रिटर्न पर भी पड़ता है। चूंकि डायरेक्ट म्यूचुअल फंड का एक्सपेंस रेशियो कम होता है, इसलिए यह रेगुलर प्लान्स की तुलना में थोड़ा ज्यादा रिटर्न दे सकता है- करीब 0.5 फीसदी से 1.5 फीसदी ज्यादा। यह एक कारण है कि निवेशक डायरेक्ट फंड का विकल्प चुन रहे हैं।
आदर्श रूप से, एकइन्वेस्टर जिसे म्यूचुअल फंड निवेश का अनुभव हो और जिसके बारे में उचित जानकारी होमंडी प्रत्यक्ष योजनाओं के लिए आंदोलनों को प्राथमिकता देनी चाहिए। नए निवेशक जो निश्चित नहीं हैंजोखिम उठाने का माद्दा और बाजार को आदर्श रूप से प्राथमिकता देनी चाहिएम्यूचुअल फंड्स नियमित योजनाओं के साथ।
डेट फंड निवेश को समझना
डेट फंड एक प्रकार के म्यूचुअल फंड हैं जो मुख्य रूप से फिक्स्ड में निवेश करते हैंआय प्रतिभूतियां जैसेबांड, सरकारी प्रतिभूतियां, ट्रेजरी बिल इत्यादि। यदि हम डेट फंडों के वर्गीकरण को देखते हैं, तो उन्हें परिपक्वता के अनुसार वर्गीकृत किया जाता है- लघु, मध्य और लंबी अवधि की अवधि। यह एक देता हैश्रेणी उन निवेशकों के लिए विकल्प जो डेट फंड में निवेश करना चाहते हैं।
डेट फंड उन लोगों के लिए एक अच्छा विकल्प है जो निवेश में ज्यादा जोखिम नहीं लेना चाहते या जो बचना चाहते हैंनिवेश अत्यधिक अस्थिर . मेंइक्विटी फंड. ये फंड एक नियमित और स्थिर आय प्रदान करते हैं, हालांकि, इक्विटी फंड की तुलना में रिटर्न कम होता है।
परिपक्वता के अनुसार डेट फंड के प्रकार
- शॉर्ट टर्म डेट फंड- रातोंरात फंड,लिक्विड फंड, अल्ट्राशॉर्ट टर्म फंड्स, कम अवधि के फंड
- मध्यम अवधि के ऋण कोष- लघु अवधि के फंड, मध्यम अवधि के फंड, मध्यम से लंबी अवधि के फंड
- लॉन्ग टर्म डेट फंड्स- लंबी अवधि के फंड
- बॉन्ड ओरिएंटेड फंड्स-डायनेमिक बॉन्ड फंड, कॉर्पोरेट बांड फंड
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सर्वश्रेष्ठ ऋण म्युचुअल फंड प्रत्यक्ष योजनाएं
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2025 (%) Franklin India Banking And PSU Debt Fund - Direct Growth ₹25.2915
↑ 0.02 ₹585 2.2 3.2 6.8 7.6 6.4 8.3 Edelweiss Bond Fund - Direct Growth ₹33.8632
↑ 0.01 ₹2,326 2.2 3.5 6.6 7.4 6.5 7.6 Franklin India Savings Plus Fund Retail Option - Direct Growth ₹56.0016
↑ 0.02 ₹4,205 2.2 3.5 6.6 7.4 6.6 7.6 UTI Money Market Fund - Direct Growth ₹3,371.59
↑ 1.35 ₹18,782 2.2 3.5 6.6 7.4 6.7 7.6 Franklin India Income Builder Account - Plan A - Direct Growth ₹116.294
↑ 0.10 ₹1,345 2.2 3 6.6 8.1 6.7 9.7 Edelweiss Liquid Fund - Direct Growth ₹3,669.02
↑ 1.56 ₹13,796 1.8 3.5 6.6 7 6.4 6.6 Franklin India Treasury Management Account - Regular Plan - Direct Growth ₹4,266.57
↑ 1.36 ₹5,601 1.8 3.5 6.5 7 6.3 6.7 UTI Liquid Cash Plan - Direct Growth ₹465.3
↑ 0.18 ₹26,728 1.7 3.5 6.5 7 6.4 6.6 Mahindra Liquid Fund - Direct Growth ₹1,848.58
↑ 0.64 ₹1,280 1.8 3.5 6.5 7 6.4 6.6 UTI Treasury Advantage Fund - Direct Growth ₹3,882.91
↑ 3.40 ₹2,386 2.1 3.2 6.4 7.3 7.5 7.7 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 26 Research Highlights & Commentary of 10 Funds showcased
Commentary Franklin India Banking And PSU Debt Fund - Direct Edelweiss Bond Fund - Direct Franklin India Savings Plus Fund Retail Option - Direct UTI Money Market Fund - Direct Franklin India Income Builder Account - Plan A - Direct Edelweiss Liquid Fund - Direct Franklin India Treasury Management Account - Regular Plan - Direct UTI Liquid Cash Plan - Direct Mahindra Liquid Fund - Direct UTI Treasury Advantage Fund - Direct Point 1 Bottom quartile AUM (₹585 Cr). Lower mid AUM (₹2,326 Cr). Upper mid AUM (₹4,205 Cr). Top quartile AUM (₹18,782 Cr). Bottom quartile AUM (₹1,345 Cr). Upper mid AUM (₹13,796 Cr). Upper mid AUM (₹5,601 Cr). Highest AUM (₹26,728 Cr). Bottom quartile AUM (₹1,280 Cr). Lower mid AUM (₹2,386 Cr). Point 2 Established history (12+ yrs). Oldest track record among peers (13 yrs). Established history (13+ yrs). Established history (13+ yrs). Established history (13+ yrs). Established history (13+ yrs). Established history (13+ yrs). Established history (13+ yrs). Established history (10+ yrs). Established history (13+ yrs). Point 3 Not Rated. Not Rated. Not Rated. Not Rated. Not Rated. Not Rated. Not Rated. Not Rated. Not Rated. Not Rated. Point 4 Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Moderate. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Moderately Low. Point 5 1Y return: 6.80% (top quartile). 1Y return: 6.63% (top quartile). 1Y return: 6.59% (upper mid). 1Y return: 6.58% (upper mid). 1Y return: 6.58% (upper mid). 1Y return: 6.55% (lower mid). 1Y return: 6.54% (lower mid). 1Y return: 6.54% (bottom quartile). 1Y return: 6.53% (bottom quartile). 1Y return: 6.36% (bottom quartile). Point 6 1M return: 0.53% (bottom quartile). 1M return: 0.74% (top quartile). 1M return: 0.72% (upper mid). 1M return: 0.72% (top quartile). 1M return: 0.48% (bottom quartile). 1M return: 0.57% (lower mid). 1M return: 0.57% (bottom quartile). 1M return: 0.57% (lower mid). 1M return: 0.59% (upper mid). 1M return: 0.57% (upper mid). Point 7 Sharpe: 0.43 (bottom quartile). Sharpe: 0.88 (lower mid). Sharpe: 0.89 (upper mid). Sharpe: 0.84 (lower mid). Sharpe: 0.32 (bottom quartile). Sharpe: 2.81 (upper mid). Sharpe: 2.92 (top quartile). Sharpe: 2.90 (top quartile). Sharpe: 2.84 (upper mid). Sharpe: 0.61 (bottom quartile). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 7.07% (upper mid). Yield to maturity (debt): 6.81% (lower mid). Yield to maturity (debt): 6.94% (upper mid). Yield to maturity (debt): 6.87% (upper mid). Yield to maturity (debt): 7.42% (top quartile). Yield to maturity (debt): 6.33% (bottom quartile). Yield to maturity (debt): 6.37% (bottom quartile). Yield to maturity (debt): 6.31% (bottom quartile). Yield to maturity (debt): 6.47% (lower mid). Yield to maturity (debt): 7.20% (top quartile). Point 10 Modified duration: 1.80 yrs (bottom quartile). Modified duration: 0.55 yrs (lower mid). Modified duration: 0.46 yrs (upper mid). Modified duration: 0.55 yrs (lower mid). Modified duration: 1.96 yrs (bottom quartile). Modified duration: 0.17 yrs (upper mid). Modified duration: 0.18 yrs (upper mid). Modified duration: 0.16 yrs (top quartile). Modified duration: 0.13 yrs (top quartile). Modified duration: 0.75 yrs (bottom quartile). Franklin India Banking And PSU Debt Fund - Direct
Edelweiss Bond Fund - Direct
Franklin India Savings Plus Fund Retail Option - Direct
UTI Money Market Fund - Direct
Franklin India Income Builder Account - Plan A - Direct
Edelweiss Liquid Fund - Direct
Franklin India Treasury Management Account - Regular Plan - Direct
UTI Liquid Cash Plan - Direct
Mahindra Liquid Fund - Direct
UTI Treasury Advantage Fund - Direct
The fund seeks to provide income through a portfolio of debt and money market instruments consisting predominantly of securities issued by entities such as Banks and Public Sector Undertakings (PSUs). However, there is no assurance or guarantee that the objective of the scheme will be achieved. Below is the key information for Franklin India Banking And PSU Debt Fund - Direct Returns up to 1 year are on To generate optimal returns while maintaining liquidity through active management of the portfolio by investing in debt and money market instruments. However, there can be no assurance that the investment objective of the Scheme will be realized. Research Highlights for Edelweiss Bond Fund - Direct Below is the key information for Edelweiss Bond Fund - Direct Returns up to 1 year are on Aims to provide income consistent with the prudent risk from a portfolio comprising substantially of floating rate debt instruments, fixed rate debt instruments swapped for floating rate returns, and also fixed rate instruments and money market instruments. Research Highlights for Franklin India Savings Plus Fund Retail Option - Direct Below is the key information for Franklin India Savings Plus Fund Retail Option - Direct Returns up to 1 year are on To provide highest possible current income consistent with preservation of capital and providing liquidity from investing in a diversified portfolio of short term money market securities. Research Highlights for UTI Money Market Fund - Direct Below is the key information for UTI Money Market Fund - Direct Returns up to 1 year are on The investment objective of the Scheme is primarily to provide investors Regular income under the Dividend Plan and Capital appreciation under the Growth Plan. Research Highlights for Franklin India Income Builder Account - Plan A - Direct Below is the key information for Franklin India Income Builder Account - Plan A - Direct Returns up to 1 year are on The investment objective of the Scheme is to provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through a portfolio of money market and debt securities. However, there can be no assurance that the investment objectives of the Scheme will be realized. Research Highlights for Edelweiss Liquid Fund - Direct Below is the key information for Edelweiss Liquid Fund - Direct Returns up to 1 year are on Aims to provide current income with high liquidity. Research Highlights for Franklin India Treasury Management Account - Regular Plan - Direct Below is the key information for Franklin India Treasury Management Account - Regular Plan - Direct Returns up to 1 year are on The investment objective of the scheme is to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of money market securities and high quality debt. Research Highlights for UTI Liquid Cash Plan - Direct Below is the key information for UTI Liquid Cash Plan - Direct Returns up to 1 year are on The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of money market and debt instruments. However, there is no assurance that the investment objective of the Scheme will be realized and the Scheme does not assure or guarantee any returns. Research Highlights for Mahindra Liquid Fund - Direct Below is the key information for Mahindra Liquid Fund - Direct Returns up to 1 year are on The scheme will endeavour to generate an attractive return for its investors consistent with capital preservation and liquidity by investing in a portfolio of quality debt securities, money market instruments and structured obligations. Research Highlights for UTI Treasury Advantage Fund - Direct Below is the key information for UTI Treasury Advantage Fund - Direct Returns up to 1 year are on 1. Franklin India Banking And PSU Debt Fund - Direct
Franklin India Banking And PSU Debt Fund - Direct
Growth Launch Date 25 Apr 14 NAV (03 Sep 26) ₹25.2915 ↑ 0.02 (0.06 %) Net Assets (Cr) ₹585 on 31 Jul 26 Category Debt - Banking & PSU Debt AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating Risk Moderate Expense Ratio 0.18 Sharpe Ratio 0.43 Information Ratio 0 Alpha Ratio 0 Min Investment Min SIP Investment Exit Load NIL Yield to Maturity 7.07% Effective Maturity 3 Years 11 Months 16 Days Modified Duration 1 Year 9 Months 18 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,315 31 Aug 23 ₹10,982 31 Aug 24 ₹11,826 31 Aug 25 ₹12,800 31 Aug 26 ₹13,659
Purchase not allowed Returns for Franklin India Banking And PSU Debt Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 26 Duration Returns 1 Month 0.5% 3 Month 2.2% 6 Month 3.2% 1 Year 6.8% 3 Year 7.6% 5 Year 6.4% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2025 8.3% 2024 8.1% 2023 7.2% 2022 3.6% 2021 4% 2020 9.5% 2019 11.6% 2018 7.3% 2017 6.8% 2016 10.2% Fund Manager information for Franklin India Banking And PSU Debt Fund - Direct
Name Since Tenure Anuj Tagra 7 Mar 24 2.49 Yr. Chandni Gupta 7 Mar 24 2.49 Yr. Sandeep Manam 18 Oct 21 4.87 Yr. Data below for Franklin India Banking And PSU Debt Fund - Direct as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 44.54% Debt 55.09% Other 0.36% Debt Sector Allocation
Sector Value Corporate 70.35% Government 24.2% Cash Equivalent 5.09% Credit Quality
Rating Value AA 3.34% AAA 96.66% Top Securities Holdings / Portfolio
Name Holding Value Quantity Maharashtra SDL
Sovereign Bonds | -6% ₹32 Cr 3,100,000 India Infrastructure Finance Company Limited
Debentures | -5% ₹31 Cr 3,000 National Bank For Agriculture And Rural Development
Debentures | -5% ₹27 Cr 2,500 Axis Bank Limited
Debentures | -4% ₹26 Cr 250 Mahindra And Mahindra Financial Services Limited
Debentures | -4% ₹26 Cr 2,500 Rec Limited
Debentures | -4% ₹24 Cr 2,341 Rec Limited
Debentures | -4% ₹21 Cr 3,700 Power Finance Corporation Limited
Debentures | -4% ₹21 Cr 2,000 Punjab (State Of) 7.02%
- | -3% ₹20 Cr 2,000,000 Jubilant Beverages Limited
Debentures | -2% ₹13 Cr 1,154 2. Edelweiss Bond Fund - Direct
Edelweiss Bond Fund - Direct
Growth Launch Date 1 Jan 13 NAV (03 Sep 26) ₹33.8632 ↑ 0.01 (0.04 %) Net Assets (Cr) ₹2,326 on 31 Jul 26 Category Debt - Dynamic Bond AMC Edelweiss Asset Management Limited Rating Risk Moderate Expense Ratio 0.12 Sharpe Ratio 0.88 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.81% Effective Maturity 6 Months 18 Days Modified Duration 6 Months 18 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,360 31 Aug 23 ₹11,048 31 Aug 24 ₹11,874 31 Aug 25 ₹12,817 31 Aug 26 ₹13,659 Returns for Edelweiss Bond Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 26 Duration Returns 1 Month 0.7% 3 Month 2.2% 6 Month 3.5% 1 Year 6.6% 3 Year 7.4% 5 Year 6.5% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.6% 2024 7.7% 2023 7.2% 2022 4.3% 2021 3.7% 2020 7.2% 2019 13.4% 2018 6.6% 2017 3.6% 2016 10.5% Fund Manager information for Edelweiss Bond Fund - Direct
Name Since Tenure Rahul Dedhia 22 Sep 25 0.94 Yr. Hetul Raval 1 Jul 24 2.17 Yr. Data below for Edelweiss Bond Fund - Direct as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 91.16% Debt 8.55% Other 0.3% Debt Sector Allocation
Sector Value Corporate 54.31% Cash Equivalent 24.59% Government 20.8% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -5% ₹124 Cr 12,500,000 India (Republic of)
- | -4% ₹97 Cr 10,000,000
↑ 10,000,000 India (Republic of)
- | -2% ₹49 Cr 5,000,000
↑ 5,000,000 Canara Bank
Domestic Bonds | -2% ₹48 Cr 5,000,000 India (Republic of)
- | -1% ₹25 Cr 2,500,000 7.29% Kerala SDL 2026
Sovereign Bonds | -0% ₹10 Cr 1,000,000 Sbi Cdmdf--A2
- | -0% ₹7 Cr 5,927 National Bank For Agriculture And Rural Development
Certificate of Deposit | -6% ₹145 Cr 15,000,000 HDFC Bank Limited
Certificate of Deposit | -6% ₹145 Cr 15,000,000 Axis Bank Ltd
Certificate of Deposit | -5% ₹123 Cr 12,500,000 3. Franklin India Savings Plus Fund Retail Option - Direct
Franklin India Savings Plus Fund Retail Option - Direct
Growth Launch Date 1 Jan 13 NAV (03 Sep 26) ₹56.0016 ↑ 0.02 (0.04 %) Net Assets (Cr) ₹4,205 on 31 Jul 26 Category Debt - Money Market AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating Risk Moderately Low Expense Ratio 0.14 Sharpe Ratio 0.89 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.94% Effective Maturity 7 Months 10 Days Modified Duration 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,378 31 Aug 23 ₹11,110 31 Aug 24 ₹11,956 31 Aug 25 ₹12,922 31 Aug 26 ₹13,767 Returns for Franklin India Savings Plus Fund Retail Option - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 26 Duration Returns 1 Month 0.7% 3 Month 2.2% 6 Month 3.5% 1 Year 6.6% 3 Year 7.4% 5 Year 6.6% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.6% 2024 7.8% 2023 7.4% 2022 4.6% 2021 3.7% 2020 6.2% 2019 8.6% 2018 7.7% 2017 7.3% 2016 8.5% Fund Manager information for Franklin India Savings Plus Fund Retail Option - Direct
Name Since Tenure Rahul Goswami 6 Oct 23 2.91 Yr. Rohan Maru 10 Oct 24 1.89 Yr. Chandni Gupta 30 Apr 24 2.34 Yr. Data below for Franklin India Savings Plus Fund Retail Option - Direct as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 87.65% Debt 12.09% Other 0.26% Debt Sector Allocation
Sector Value Cash Equivalent 40.1% Corporate 36.28% Government 23.36% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.67% Uttarpradesh Sdl 2027
Sovereign Bonds | -9% ₹389 Cr 37,500,000 Union Bank of India
Debentures | -2% ₹99 Cr 2,000 Axis Bank Ltd.
Debentures | -2% ₹98 Cr 2,000 Corporate Debt Market Development Fund Class A2
- | -0% ₹11 Cr 9,359 7.78% Telangana Sdl 2027
Sovereign Bonds | -0% ₹10 Cr 1,000,000 7.88% Punjab SDL 2027
Sovereign Bonds | -0% ₹5 Cr 500,000 6.88% Westbengal Sdl 2026
Sovereign Bonds | -0% ₹5 Cr 500,000 7.14% Punjab SDL 2027
Sovereign Bonds | -0% ₹5 Cr 500,000 Tbill
Sovereign Bonds | -0% ₹5 Cr 500,000 Bajaj Housing Finance Limited
Commercial Paper | -7% ₹290 Cr 6,000 4. UTI Money Market Fund - Direct
UTI Money Market Fund - Direct
Growth Launch Date 1 Jan 13 NAV (03 Sep 26) ₹3,371.59 ↑ 1.35 (0.04 %) Net Assets (Cr) ₹18,782 on 31 Jul 26 Category Debt - Money Market AMC UTI Asset Management Company Ltd Rating Risk Low Expense Ratio 0.17 Sharpe Ratio 0.84 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.87% Effective Maturity 6 Months 19 Days Modified Duration 6 Months 19 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,409 31 Aug 23 ₹11,161 31 Aug 24 ₹12,015 31 Aug 25 ₹12,981 31 Aug 26 ₹13,827
Purchase not allowed Returns for UTI Money Market Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 26 Duration Returns 1 Month 0.7% 3 Month 2.2% 6 Month 3.5% 1 Year 6.6% 3 Year 7.4% 5 Year 6.7% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.6% 2024 7.8% 2023 7.5% 2022 5% 2021 3.8% 2020 6.1% 2019 8.1% 2018 7.9% 2017 6.8% 2016 7.8% Fund Manager information for UTI Money Market Fund - Direct
Name Since Tenure Anurag Mittal 1 Dec 21 4.75 Yr. Amit Sharma 7 Jul 17 9.16 Yr. Data below for UTI Money Market Fund - Direct as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 88.64% Debt 11.07% Other 0.3% Debt Sector Allocation
Sector Value Corporate 46.15% Cash Equivalent 34% Government 19.55% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -3% ₹660 Cr 6,629,850,000 India (Republic of)
- | -2% ₹390 Cr 4,000,000,000
↑ 4,000,000,000 Tbill
Sovereign Bonds | -2% ₹300 Cr 3,000,000,000 Tbill
Sovereign Bonds | -2% ₹299 Cr 3,000,000,000 5.74% Govt Stock 2026
Sovereign Bonds | -1% ₹280 Cr 2,800,000,000 UCO Bank
Domestic Bonds | -1% ₹236 Cr 2,500,000,000 Tbill
Sovereign Bonds | -1% ₹200 Cr 2,000,000,000 Indian Overseas Bank
Debentures | -1% ₹193 Cr 2,000,000,000 Axis Bank Ltd.
Debentures | -1% ₹193 Cr 2,000,000,000 Small Industries Development Bank of India
Debentures | -1% ₹187 Cr 2,000,000,000
↑ 2,000,000,000 5. Franklin India Income Builder Account - Plan A - Direct
Franklin India Income Builder Account - Plan A - Direct
Growth Launch Date 1 Jan 13 NAV (03 Sep 26) ₹116.294 ↑ 0.10 (0.09 %) Net Assets (Cr) ₹1,345 on 31 Jul 26 Category Debt - Corporate Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating Risk Moderate Expense Ratio 0.24 Sharpe Ratio 0.32 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load 0-1 Years (0.5%),1 Years and above(NIL) Yield to Maturity 7.42% Effective Maturity 4 Years 29 Days Modified Duration 1 Year 11 Months 16 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,316 31 Aug 23 ₹10,986 31 Aug 24 ₹11,829 31 Aug 25 ₹13,014 31 Aug 26 ₹13,857 Returns for Franklin India Income Builder Account - Plan A - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 26 Duration Returns 1 Month 0.5% 3 Month 2.2% 6 Month 3% 1 Year 6.6% 3 Year 8.1% 5 Year 6.7% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 2025 9.7% 2024 8.2% 2023 7.1% 2022 3.7% 2021 4.3% 2020 9.7% 2019 9.8% 2018 8.1% 2017 8.3% 2016 9.7% Fund Manager information for Franklin India Income Builder Account - Plan A - Direct
Name Since Tenure Rahul Goswami 6 Oct 23 2.91 Yr. Anuj Tagra 7 Mar 24 2.49 Yr. Chandni Gupta 7 Mar 24 2.49 Yr. Data below for Franklin India Income Builder Account - Plan A - Direct as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 6.85% Debt 92.86% Other 0.29% Debt Sector Allocation
Sector Value Corporate 68.54% Government 24.32% Cash Equivalent 6.85% Credit Quality
Rating Value AA 7.1% AAA 92.9% Top Securities Holdings / Portfolio
Name Holding Value Quantity Small Industries Development Bank Of India
Debentures | -6% ₹80 Cr 7,500 National Bank For Agriculture And Rural Development
Debentures | -6% ₹78 Cr 7,500 Jamnagar Utilities & Power Private Limited
Debentures | -6% ₹76 Cr 7,500 Poonawalla Fincorp Limited
Debentures | -5% ₹61 Cr 5,950 Maharashtra SDL
Sovereign Bonds | -4% ₹57 Cr 5,500,000 RJ Corp Limited
Debentures | -4% ₹57 Cr 5,467 LIC Housing Finance Ltd
Debentures | -4% ₹56 Cr 5,500 Summit Digitel Infrastructure Limited
Debentures | -4% ₹51 Cr 5,000 Mahindra And Mahindra Financial Services Limited
Debentures | -4% ₹51 Cr 5,000 Embassy Office Parks Reit
Debentures | -4% ₹50 Cr 5,000 6. Edelweiss Liquid Fund - Direct
Edelweiss Liquid Fund - Direct
Growth Launch Date 1 Jan 13 NAV (03 Sep 26) ₹3,669.02 ↑ 1.56 (0.04 %) Net Assets (Cr) ₹13,796 on 31 Jul 26 Category Debt - Liquid Fund AMC Edelweiss Asset Management Limited Rating Risk Low Expense Ratio 0.09 Sharpe Ratio 2.81 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.33% Effective Maturity 2 Months 2 Days Modified Duration 2 Months 2 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,393 31 Aug 23 ₹11,103 31 Aug 24 ₹11,936 31 Aug 25 ₹12,778 31 Aug 26 ₹13,611 Returns for Edelweiss Liquid Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 26 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.5% 1 Year 6.6% 3 Year 7% 5 Year 6.4% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.6% 2024 7.5% 2023 7.1% 2022 4.9% 2021 3.5% 2020 4.4% 2019 6.8% 2018 7.5% 2017 6.7% 2016 6.9% Fund Manager information for Edelweiss Liquid Fund - Direct
Name Since Tenure Rahul Dedhia 11 Dec 17 8.73 Yr. Hetul Raval 22 Sep 25 0.94 Yr. Data below for Edelweiss Liquid Fund - Direct as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 99.75% Other 0.25% Debt Sector Allocation
Sector Value Cash Equivalent 71.74% Corporate 14.83% Government 13.18% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd.
Debentures | -7% ₹945 Cr 95,000,000 Reverse Repo
CBLO/Reverse Repo | -4% ₹572 Cr India (Republic of)
- | -4% ₹519 Cr 52,500,000
↑ 7,500,000 Reliance Retail Ventures Limited
Commercial Paper | -3% ₹398 Cr 40,000,000 National Bank for Agriculture and Rural Development
Commercial Paper | -3% ₹373 Cr 37,500,000
↑ 12,500,000 India (Republic of)
- | -3% ₹349 Cr 35,000,000 Union Bank Of India
Certificate of Deposit | -2% ₹299 Cr 30,000,000
↑ 30,000,000 National Bank for Agriculture and Rural Development
Commercial Paper | -2% ₹299 Cr 30,000,000 HDFC Bank Ltd.
Debentures | -2% ₹297 Cr 30,000,000 National Bank for Agriculture and Rural Development
Commercial Paper | -2% ₹296 Cr 30,000,000
↑ 30,000,000 7. Franklin India Treasury Management Account - Regular Plan - Direct
Franklin India Treasury Management Account - Regular Plan - Direct
Growth Launch Date 1 Jan 13 NAV (03 Sep 26) ₹4,266.57 ↑ 1.36 (0.03 %) Net Assets (Cr) ₹5,601 on 31 Jul 26 Category Debt - Liquid Fund AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating Risk Low Expense Ratio 0.12 Sharpe Ratio 2.92 Information Ratio 0 Alpha Ratio 0 Min Investment Min SIP Investment Exit Load NIL Yield to Maturity 6.37% Effective Maturity 2 Months 12 Days Modified Duration 2 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,395 31 Aug 23 ₹11,098 31 Aug 24 ₹11,921 31 Aug 25 ₹12,766 31 Aug 26 ₹13,598
Purchase not allowed Returns for Franklin India Treasury Management Account - Regular Plan - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 26 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.5% 1 Year 6.5% 3 Year 7% 5 Year 6.3% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.7% 2024 7.5% 2023 7% 2022 4.9% 2021 3.3% 2020 4.4% 2019 6.9% 2018 7.5% 2017 6.8% 2016 7.7% Fund Manager information for Franklin India Treasury Management Account - Regular Plan - Direct
Name Since Tenure Pallab Roy 25 Jun 08 18.2 Yr. Rohan Maru 10 Oct 24 1.89 Yr. Data below for Franklin India Treasury Management Account - Regular Plan - Direct as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 95.81% Debt 4.06% Other 0.14% Debt Sector Allocation
Sector Value Cash Equivalent 71.41% Corporate 19.9% Government 8.55% Credit Quality
Rating Value AA 1.01% AAA 98.99% Top Securities Holdings / Portfolio
Name Holding Value Quantity Tbill
Sovereign Bonds | -9% ₹498 Cr 50,000,000
↑ 50,000,000 India (Republic of)
- | -9% ₹497 Cr 50,000,000 Union Bank Of India
Certificate of Deposit | -4% ₹249 Cr 5,000
↑ 5,000 Small Industries Development Bank Of India
Debentures | -4% ₹236 Cr 22,000 Bank of Baroda
Debentures | -4% ₹215 Cr 4,300 Small Industries Development Bank Of India
Commercial Paper | -3% ₹199 Cr 4,000 HDFC Securities Limited
Commercial Paper | -3% ₹189 Cr 3,800
↓ -2,000 Rec Limited
Debentures | -3% ₹188 Cr 17,500 REC Ltd.
Commercial Paper | -3% ₹173 Cr 3,500 HDFC Bank Ltd.
Debentures | -3% ₹150 Cr 3,000 8. UTI Liquid Cash Plan - Direct
UTI Liquid Cash Plan - Direct
Growth Launch Date 1 Jan 13 NAV (03 Sep 26) ₹465.3 ↑ 0.18 (0.04 %) Net Assets (Cr) ₹26,728 on 31 Jul 26 Category Debt - Liquid Fund AMC UTI Asset Management Company Ltd Rating Risk Low Expense Ratio 0.17 Sharpe Ratio 2.9 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 1,500 Exit Load NIL Yield to Maturity 6.31% Effective Maturity 1 Month 27 Days Modified Duration 1 Month 27 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,398 31 Aug 23 ₹11,107 31 Aug 24 ₹11,931 31 Aug 25 ₹12,769 31 Aug 26 ₹13,599 Returns for UTI Liquid Cash Plan - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 26 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.5% 1 Year 6.5% 3 Year 7% 5 Year 6.4% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.6% 2024 7.4% 2023 7.1% 2022 4.9% 2021 3.4% 2020 4.3% 2019 6.7% 2018 7.5% 2017 6.7% 2016 7.7% Fund Manager information for UTI Liquid Cash Plan - Direct
Name Since Tenure Amit Sharma 7 Jul 17 9.07 Yr. Data below for UTI Liquid Cash Plan - Direct as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 98.47% Debt 1.27% Other 0.26% Debt Sector Allocation
Sector Value Cash Equivalent 77.29% Government 15.16% Corporate 7.29% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -7% ₹2,055 Cr 20,650,000,000 Reliance Retail Ventures Limited
Commercial Paper | -3% ₹840 Cr 8,500,000,000 HDFC Bank Limited
Certificate of Deposit | -3% ₹792 Cr 8,000,000,000 ICICI Bank Ltd.
Debentures | -2% ₹742 Cr 7,500,000,000 India (Republic of)
- | -2% ₹699 Cr 7,000,000,000 Bank of India Ltd.
Debentures | -2% ₹692 Cr 7,000,000,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹680 Cr 68,000
↑ 53,000 Tbill
Sovereign Bonds | -2% ₹677 Cr 6,800,000,000 HDFC Bank Ltd.
Debentures | -2% ₹646 Cr 6,500,000,000 Central Bank of India
Domestic Bonds | -2% ₹595 Cr 6,000,000,000 9. Mahindra Liquid Fund - Direct
Mahindra Liquid Fund - Direct
Growth Launch Date 4 Jul 16 NAV (03 Sep 26) ₹1,848.58 ↑ 0.64 (0.03 %) Net Assets (Cr) ₹1,280 on 31 Jul 26 Category Debt - Liquid Fund AMC Mahindra Asset Management Company Pvt. Ltd. Rating Risk Low Expense Ratio 0.15 Sharpe Ratio 2.84 Information Ratio 0 Alpha Ratio 0 Min Investment Min SIP Investment Exit Load NIL Yield to Maturity 6.47% Effective Maturity 1 Month 20 Days Modified Duration 1 Month 16 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,401 31 Aug 23 ₹11,115 31 Aug 24 ₹11,945 31 Aug 25 ₹12,785 31 Aug 26 ₹13,615
Purchase not allowed Returns for Mahindra Liquid Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 26 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.5% 1 Year 6.5% 3 Year 7% 5 Year 6.4% 10 Year 15 Year Since launch 6.2% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.6% 2024 7.5% 2023 7.2% 2022 5% 2021 3.4% 2020 4.4% 2019 6.9% 2018 7.5% 2017 6.8% 2016 Fund Manager information for Mahindra Liquid Fund - Direct
Name Since Tenure Rahul Pal 4 Jul 16 10.17 Yr. Amit Garg 8 Jun 20 6.23 Yr. Data below for Mahindra Liquid Fund - Direct as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 99.77% Other 0.23% Debt Sector Allocation
Sector Value Cash Equivalent 84.43% Government 10.24% Corporate 5.1% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reverse Repo
CBLO/Reverse Repo | -8% ₹116 Cr 11,620,862
↑ 3,904,664 NTPC Ltd.
Commercial Paper | -5% ₹75 Cr 7,500,000 India (Republic of)
- | -5% ₹74 Cr 7,500,000 LIC Housing Finance Ltd
Debentures | -4% ₹65 Cr 6,500,000
↑ 6,500,000 HDFC Bank Ltd.
Debentures | -3% ₹50 Cr 5,000,000
↓ -2,500,000 Small Industries Development Bank of India
Commercial Paper | -3% ₹50 Cr 5,000,000 Export-Import Bank of India
Commercial Paper | -3% ₹50 Cr 5,000,000 Union Bank of India
Debentures | -3% ₹49 Cr 5,000,000
↑ 5,000,000 India (Republic of)
- | -3% ₹49 Cr 5,000,000 HDFC Bank Ltd.
Debentures | -3% ₹49 Cr 5,000,000 10. UTI Treasury Advantage Fund - Direct
UTI Treasury Advantage Fund - Direct
Growth Launch Date 1 Jan 13 NAV (03 Sep 26) ₹3,882.91 ↑ 3.40 (0.09 %) Net Assets (Cr) ₹2,386 on 31 Jul 26 Category Debt - Low Duration AMC UTI Asset Management Company Ltd Rating Risk Moderately Low Expense Ratio 0.37 Sharpe Ratio 0.61 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.2% Effective Maturity 10 Months 13 Days Modified Duration 9 Months Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,883 31 Aug 23 ₹11,627 31 Aug 24 ₹12,488 31 Aug 25 ₹13,498 31 Aug 26 ₹14,348 Returns for UTI Treasury Advantage Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 26 Duration Returns 1 Month 0.6% 3 Month 2.1% 6 Month 3.2% 1 Year 6.4% 3 Year 7.3% 5 Year 7.5% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.7% 2024 7.8% 2023 7.2% 2022 4.6% 2021 9.1% 2020 7.4% 2019 -4.1% 2018 7.5% 2017 7.2% 2016 9.1% Fund Manager information for UTI Treasury Advantage Fund - Direct
Name Since Tenure Anurag Mittal 1 Dec 21 4.75 Yr. Data below for UTI Treasury Advantage Fund - Direct as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 30.34% Debt 69.25% Other 0.41% Debt Sector Allocation
Sector Value Corporate 58.71% Cash Equivalent 22.23% Government 18.65% Credit Quality
Rating Value AA 12.51% AAA 87.49% Top Securities Holdings / Portfolio
Name Holding Value Quantity Tbill
Sovereign Bonds | -8% ₹197 Cr 2,000,000,000 Rec Limited
Debentures | -6% ₹140 Cr 14,000 National Bank For Agriculture And Rural Development
Debentures | -5% ₹125 Cr 12,500 Mahindra Rural Housing Finance Limited
Debentures | -4% ₹100 Cr 10,000 Embassy Office Parks Reit
Debentures | -4% ₹95 Cr 950 Embassy Office Parks Reit
Debentures | -4% ₹90 Cr 900 National Bank For Agriculture And Rural Development
Debentures | -3% ₹75 Cr 7,500 RADHAKRISHNA SECURITISATION TRUST
Unlisted bonds | -2% ₹54 Cr 55 Can Fin Homes Limited
Debentures | -2% ₹50 Cr 5,000 360 One Prime Limited
Debentures | -2% ₹50 Cr 500,000
यहां प्रदान की गई जानकारी सटीक है, यह सुनिश्चित करने के लिए सभी प्रयास किए गए हैं। हालांकि, डेटा की शुद्धता के संबंध में कोई गारंटी नहीं दी जाती है। कृपया कोई भी निवेश करने से पहले योजना सूचना दस्तावेज के साथ सत्यापित करें।
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Research Highlights for Franklin India Banking And PSU Debt Fund - Direct