+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 (%) 2024 (%) Franklin India Income Builder Account - Plan A - Direct Growth ₹111.137
↑ 0.02 ₹1,290 2 3.1 9.9 8.4 6.6 8.2 Axis Corporate Debt Opportunities Fund - Direct Growth ₹18.634
↑ 0.01 ₹9,872 2 2.9 9.2 8.4 6.7 8.7 UTI Short Term Income Fund - Direct Growth ₹34.6972
↑ 0.02 ₹3,381 1.8 2.9 8.3 8.1 7.5 8.4 HDFC Floating Rate Income Fund - Short Term Plan - Direct Growth ₹52.4786
↑ 0.01 ₹15,549 1.8 3.2 8.3 8.2 6.8 8.5 Reliance Dynamic Bond Fund - Direct Growth ₹40.9332
↑ 0.02 ₹4,288 1.8 1.5 8.2 8.4 6.1 9.4 UTI Treasury Advantage Fund - Direct Growth ₹3,706.39
↑ 0.93 ₹2,814 1.7 3.4 7.8 7.6 7.2 7.8 Franklin India Savings Plus Fund Retail Option - Direct Growth ₹53.2613
↑ 0.01 ₹4,440 1.5 3.3 7.7 7.7 6.2 7.8 UTI Money Market Fund - Direct Growth ₹3,207.42
↑ 0.72 ₹20,352 1.5 3.3 7.7 7.7 6.3 7.8 Edelweiss Bond Fund - Direct Growth ₹32.1966
↑ 0.01 ₹1,664 1.5 3.3 7.6 7.5 6 7.7 Franklin India Treasury Management Account - Regular Plan - Direct Growth ₹4,057.3
↑ 0.66 ₹3,236 1.5 3 6.8 7.1 5.8 7.5 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 25 Nov 25 Research Highlights & Commentary of 10 Funds showcased
Commentary Franklin India Income Builder Account - Plan A - Direct Axis Corporate Debt Opportunities Fund - Direct UTI Short Term Income Fund - Direct HDFC Floating Rate Income Fund - Short Term Plan - Direct Reliance Dynamic Bond Fund - Direct UTI Treasury Advantage Fund - Direct Franklin India Savings Plus Fund Retail Option - Direct UTI Money Market Fund - Direct Edelweiss Bond Fund - Direct Franklin India Treasury Management Account - Regular Plan - Direct Point 1 Bottom quartile AUM (₹1,290 Cr). Upper mid AUM (₹9,872 Cr). Lower mid AUM (₹3,381 Cr). Top quartile AUM (₹15,549 Cr). Upper mid AUM (₹4,288 Cr). Bottom quartile AUM (₹2,814 Cr). Upper mid AUM (₹4,440 Cr). Highest AUM (₹20,352 Cr). Bottom quartile AUM (₹1,664 Cr). Lower mid AUM (₹3,236 Cr). Point 2 Oldest track record among peers (12 yrs). Established history (8+ yrs). Established history (12+ yrs). Established history (12+ yrs). Established history (12+ yrs). Established history (12+ yrs). Established history (12+ yrs). Established history (12+ yrs). Established history (12+ 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. Not Rated. Point 4 Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Moderate. Risk profile: Low. Point 5 1Y return: 9.87% (top quartile). 1Y return: 9.22% (top quartile). 1Y return: 8.31% (upper mid). 1Y return: 8.30% (upper mid). 1Y return: 8.23% (upper mid). 1Y return: 7.82% (lower mid). 1Y return: 7.73% (lower mid). 1Y return: 7.70% (bottom quartile). 1Y return: 7.62% (bottom quartile). 1Y return: 6.77% (bottom quartile). Point 6 1M return: 0.62% (top quartile). 1M return: 0.61% (upper mid). 1M return: 0.55% (bottom quartile). 1M return: 0.66% (top quartile). 1M return: 0.42% (bottom quartile). 1M return: 0.58% (upper mid). 1M return: 0.55% (lower mid). 1M return: 0.55% (lower mid). 1M return: 0.56% (upper mid). 1M return: 0.49% (bottom quartile). Point 7 Sharpe: 1.55 (bottom quartile). Sharpe: 1.69 (lower mid). Sharpe: 1.54 (bottom quartile). Sharpe: 2.16 (lower mid). Sharpe: 0.70 (bottom quartile). Sharpe: 2.65 (upper mid). Sharpe: 2.98 (upper mid). Sharpe: 3.08 (top quartile). Sharpe: 2.86 (upper mid). Sharpe: 3.61 (top 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): 6.92% (top quartile). Yield to maturity (debt): 6.82% (upper mid). Yield to maturity (debt): 6.77% (lower mid). Yield to maturity (debt): 6.99% (top quartile). Yield to maturity (debt): 6.79% (upper mid). Yield to maturity (debt): 6.80% (upper mid). Yield to maturity (debt): 6.19% (bottom quartile). Yield to maturity (debt): 6.26% (bottom quartile). Yield to maturity (debt): 6.27% (lower mid). Yield to maturity (debt): 6.04% (bottom quartile). Point 10 Modified duration: 2.08 yrs (lower mid). Modified duration: 3.14 yrs (bottom quartile). Modified duration: 2.49 yrs (bottom quartile). Modified duration: 1.69 yrs (lower mid). Modified duration: 3.86 yrs (bottom quartile). Modified duration: 0.92 yrs (upper mid). Modified duration: 0.38 yrs (top quartile). Modified duration: 0.40 yrs (upper mid). Modified duration: 0.52 yrs (upper mid). Modified duration: 0.17 yrs (top quartile). Franklin India Income Builder Account - Plan A - Direct
Axis Corporate Debt Opportunities Fund - Direct
UTI Short Term Income Fund - Direct
HDFC Floating Rate Income Fund - Short Term Plan - Direct
Reliance Dynamic Bond Fund - Direct
UTI Treasury Advantage Fund - Direct
Franklin India Savings Plus Fund Retail Option - Direct
UTI Money Market Fund - Direct
Edelweiss Bond Fund - Direct
Franklin India Treasury Management Account - Regular Plan - Direct
The investment objective of the Scheme is primarily to provide investors Regular income under the Dividend Plan and Capital appreciation under the Growth Plan. Below is the key information for Franklin India Income Builder Account - Plan A - Direct Returns up to 1 year are on The Scheme seeks to provide steady income and capital appreciation by investing in corporate debt. There is no assurance or guarantee that the objectives of the Scheme will be realized. Research Highlights for Axis Corporate Debt Opportunities Fund - Direct Below is the key information for Axis Corporate Debt Opportunities Fund - Direct Returns up to 1 year are on 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 Short Term Income Fund - Direct Below is the key information for UTI Short Term Income Fund - Direct Returns up to 1 year are on The investment objective of the scheme is to generate regular income through investment in a portfolio comprising substantially of floating & fixed rate debt & money market instruments swapped for floating rate returns and fixed rate debt securities and money market instruments. Research Highlights for HDFC Floating Rate Income Fund - Short Term Plan - Direct Below is the key information for HDFC Floating Rate Income Fund - Short Term Plan - Direct Returns up to 1 year are on The primary investment objective of the scheme is to generate optimal returns consistent with moderate levels of risks. This income may be complimented by capital appreciation of the portfolio. Accordingly, investments shall predominantly be made in debt and money market instruments. Research Highlights for Reliance Dynamic Bond Fund - Direct Below is the key information for Reliance Dynamic Bond 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 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 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 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 1. Franklin India Income Builder Account - Plan A - Direct
Franklin India Income Builder Account - Plan A - Direct
Growth Launch Date 1 Jan 13 NAV (25 Nov 25) ₹111.137 ↑ 0.02 (0.02 %) Net Assets (Cr) ₹1,290 on 31 Oct 25 Category Debt - Corporate Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating Risk Moderate Expense Ratio 0.24 Sharpe Ratio 1.55 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load 0-1 Years (0.5%),1 Years and above(NIL) Yield to Maturity 6.92% Effective Maturity 4 Years 2 Months 5 Days Modified Duration 2 Years 29 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,514 31 Oct 22 ₹10,846 31 Oct 23 ₹11,617 31 Oct 24 ₹12,577 31 Oct 25 ₹13,823 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 25 Nov 25 Duration Returns 1 Month 0.6% 3 Month 2% 6 Month 3.1% 1 Year 9.9% 3 Year 8.4% 5 Year 6.6% 10 Year 15 Year Since launch 8.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.2% 2023 7.1% 2022 3.7% 2021 4.3% 2020 9.7% 2019 9.8% 2018 8.1% 2017 8.3% 2016 9.7% 2015 9.3% Fund Manager information for Franklin India Income Builder Account - Plan A - Direct
Name Since Tenure Rahul Goswami 6 Oct 23 2.07 Yr. Anuj Tagra 7 Mar 24 1.65 Yr. Chandni Gupta 7 Mar 24 1.65 Yr. Data below for Franklin India Income Builder Account - Plan A - Direct as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 12.24% Debt 83% Other 4.75% Debt Sector Allocation
Sector Value Corporate 62.84% Government 20.16% Cash Equivalent 12.24% Credit Quality
Rating Value AA 9.81% AAA 90.19% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.9% Govt Stock 2065
Sovereign Bonds | -6% ₹81 Cr 8,529,500
↑ 7,750,000 Poonawalla Fincorp Limited
Debentures | -6% ₹81 Cr 8,000 National Bank For Agriculture And Rural Development
Debentures | -6% ₹77 Cr 7,500 Jubilant Bevco Limited
Debentures | -5% ₹70 Cr 6,576 Small Industries Development Bank Of India
Debentures | -4% ₹54 Cr 500 Rec Limited
Debentures | -4% ₹52 Cr 500 Summit Digitel Infrastructure Limited
Debentures | -4% ₹52 Cr 5,000 Sikka Ports & Terminals Limited
Debentures | -4% ₹52 Cr 500 Rec Limited
Debentures | -4% ₹51 Cr 9,000 Embassy Office Parks Reit
Debentures | -4% ₹51 Cr 5,000 2. Axis Corporate Debt Opportunities Fund - Direct
Axis Corporate Debt Opportunities Fund - Direct
Growth Launch Date 13 Jul 17 NAV (25 Nov 25) ₹18.634 ↑ 0.01 (0.06 %) Net Assets (Cr) ₹9,872 on 31 Oct 25 Category Debt - Corporate Bond AMC Axis Asset Management Company Limited Rating Risk Moderate Expense Ratio 0.31 Sharpe Ratio 1.69 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.82% Effective Maturity 4 Years 14 Days Modified Duration 3 Years 1 Month 20 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,489 31 Oct 22 ₹10,890 31 Oct 23 ₹11,687 31 Oct 24 ₹12,734 31 Oct 25 ₹13,898 Returns for Axis Corporate Debt Opportunities Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Nov 25 Duration Returns 1 Month 0.6% 3 Month 2% 6 Month 2.9% 1 Year 9.2% 3 Year 8.4% 5 Year 6.7% 10 Year 15 Year Since launch 7.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.7% 2023 7.5% 2022 4.4% 2021 4.4% 2020 12.4% 2019 6.9% 2018 8.8% 2017 2016 2015 Fund Manager information for Axis Corporate Debt Opportunities Fund - Direct
Name Since Tenure Devang Shah 13 Jul 17 8.31 Yr. Hardik Shah 31 Jan 22 3.75 Yr. Data below for Axis Corporate Debt Opportunities Fund - Direct as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 6.27% Debt 93.47% Other 0.26% Debt Sector Allocation
Sector Value Corporate 60.17% Government 28.84% Cash Equivalent 6.78% Securitized 3.95% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -6% ₹570 Cr 55,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -6% ₹568 Cr 56,000,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹274 Cr 27,000
↓ -5,000 Small Industries Development Bank Of India
Debentures | -2% ₹204 Cr 20,000 Small Industries Development Bank Of India
Debentures | -2% ₹203 Cr 20,000 Bajaj Housing Finance Limited
Debentures | -2% ₹200 Cr 20,000 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -2% ₹197 Cr 194 Indian Railway Finance Corporation Limited
Debentures | -2% ₹162 Cr 1,550 Bajaj Finance Limited
Debentures | -2% ₹156 Cr 15,500
↓ -2,500 SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -1% ₹137 Cr 135 3. UTI Short Term Income Fund - Direct
UTI Short Term Income Fund - Direct
Growth Launch Date 1 Jan 13 NAV (25 Nov 25) ₹34.6972 ↑ 0.02 (0.05 %) Net Assets (Cr) ₹3,381 on 31 Oct 25 Category Debt - Short term Bond AMC UTI Asset Management Company Ltd Rating Risk Moderate Expense Ratio 0.4 Sharpe Ratio 1.54 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.77% Effective Maturity 3 Years 1 Month 24 Days Modified Duration 2 Years 5 Months 26 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,973 31 Oct 22 ₹11,376 31 Oct 23 ₹12,210 31 Oct 24 ₹13,283 31 Oct 25 ₹14,380 Returns for UTI Short Term Income Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Nov 25 Duration Returns 1 Month 0.5% 3 Month 1.8% 6 Month 2.9% 1 Year 8.3% 3 Year 8.1% 5 Year 7.5% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.4% 2023 7.6% 2022 4.4% 2021 9% 2020 11% 2019 -3.5% 2018 6.6% 2017 6.6% 2016 10.6% 2015 8.9% Fund Manager information for UTI Short Term Income Fund - Direct
Name Since Tenure Abhishek Sonthalia 10 Nov 25 0 Yr. Data below for UTI Short Term Income Fund - Direct as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 13.27% Debt 86.47% Other 0.26% Debt Sector Allocation
Sector Value Corporate 64.68% Government 30.43% Cash Equivalent 4.63% Credit Quality
Rating Value AA 8.22% AAA 91.78% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -9% ₹309 Cr 3,050,000,000 LIC Housing Finance Ltd
Debentures | -5% ₹179 Cr 1,750 Small Industries Development Bank Of India
Debentures | -5% ₹178 Cr 17,500 National Housing Bank
Debentures | -5% ₹178 Cr 17,500 Power Finance Corporation Limited
Debentures | -5% ₹177 Cr 17,500 National Bank For Agriculture And Rural Development
Debentures | -4% ₹142 Cr 14,000 Export Import Bank Of India
Debentures | -4% ₹127 Cr 12,500 Bajaj Finance Limited
Debentures | -2% ₹76 Cr 7,500 Export Import Bank Of India
Debentures | -2% ₹76 Cr 7,500 Kotak Mahindra Prime Limited
Debentures | -2% ₹76 Cr 750 4. HDFC Floating Rate Income Fund - Short Term Plan - Direct
HDFC Floating Rate Income Fund - Short Term Plan - Direct
Growth Launch Date 1 Jan 13 NAV (25 Nov 25) ₹52.4786 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹15,549 on 31 Oct 25 Category Debt - Floating Rate AMC HDFC Asset Management Company Limited Rating Risk Moderately Low Expense Ratio 0.25 Sharpe Ratio 2.16 Information Ratio 0 Alpha Ratio 0 Min Investment Min SIP Investment Exit Load NIL Yield to Maturity 6.99% Effective Maturity 4 Years 3 Months 25 Days Modified Duration 1 Year 8 Months 8 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,544 31 Oct 22 ₹10,983 31 Oct 23 ₹11,833 31 Oct 24 ₹12,851 31 Oct 25 ₹13,919
Purchase not allowed Returns for HDFC Floating Rate Income Fund - Short Term Plan - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Nov 25 Duration Returns 1 Month 0.7% 3 Month 1.8% 6 Month 3.2% 1 Year 8.3% 3 Year 8.2% 5 Year 6.8% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.5% 2023 7.9% 2022 4.8% 2021 4.4% 2020 9.4% 2019 8.7% 2018 7.4% 2017 7% 2016 9.1% 2015 8.9% Fund Manager information for HDFC Floating Rate Income Fund - Short Term Plan - Direct
Name Since Tenure Shobhit Mehrotra 23 Oct 07 18.04 Yr. Dhruv Muchhal 22 Jun 23 2.36 Yr. Data below for HDFC Floating Rate Income Fund - Short Term Plan - Direct as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 5.18% Debt 94.54% Other 0.28% Debt Sector Allocation
Sector Value Corporate 48.75% Government 40.81% Securitized 6.81% Cash Equivalent 3.35% Credit Quality
Rating Value AA 14.47% AAA 85.53% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.99% Govt Stock 2034
Sovereign Bonds | -11% ₹1,781 Cr 175,000,000
↓ -25,000,000 6.63% Govt Stock 2031
Sovereign Bonds | -7% ₹1,042 Cr 102,500,000
↑ 1,000,000 6.82% Govt Stock 2033
Sovereign Bonds | -6% ₹998 Cr 96,641,200
↑ 25,000,000 SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -5% ₹712 Cr 695
↑ 135 Jubilant Beverages Limited
Debentures | -3% ₹463 Cr 43,600 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -2% ₹359 Cr 350
↑ 100 National Bank For Agriculture And Rural Development
Debentures | -2% ₹331 Cr 32,500 Aadhar Housing Finance Limited
Debentures | -2% ₹305 Cr 30,000 Power Finance Corporation Limited
Debentures | -1% ₹229 Cr 22,500 Bajaj Housing Finance Limited
Debentures | -1% ₹203 Cr 20,000 5. Reliance Dynamic Bond Fund - Direct
Reliance Dynamic Bond Fund - Direct
Growth Launch Date 1 Jan 13 NAV (25 Nov 25) ₹40.9332 ↑ 0.02 (0.06 %) Net Assets (Cr) ₹4,288 on 31 Oct 25 Category Debt - Dynamic Bond AMC Nippon Life Asset Management Ltd. Rating Risk Moderate Expense Ratio 0.32 Sharpe Ratio 0.7 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-12 Months (1%),12 Months and above(NIL) Yield to Maturity 6.79% Effective Maturity 4 Years 7 Months 24 Days Modified Duration 3 Years 10 Months 10 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,294 31 Oct 22 ₹10,455 31 Oct 23 ₹11,231 31 Oct 24 ₹12,390 31 Oct 25 ₹13,398 Returns for Reliance Dynamic Bond Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Nov 25 Duration Returns 1 Month 0.4% 3 Month 1.8% 6 Month 1.5% 1 Year 8.2% 3 Year 8.4% 5 Year 6.1% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 9.4% 2023 7.1% 2022 2.8% 2021 3.2% 2020 11.9% 2019 9.2% 2018 5.5% 2017 3.8% 2016 14.7% 2015 6.4% Fund Manager information for Reliance Dynamic Bond Fund - Direct
Name Since Tenure Vivek Sharma 25 Jun 20 5.35 Yr. Pranay Sinha 31 Mar 21 4.59 Yr. Kinjal Desai 25 May 18 7.44 Yr. Lokesh Maru 5 Sep 25 0.15 Yr. Divya Sharma 5 Sep 25 0.15 Yr. Data below for Reliance Dynamic Bond Fund - Direct as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 2.11% Debt 97.58% Other 0.31% Debt Sector Allocation
Sector Value Government 97.58% Cash Equivalent 2.11% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 07.83 MH Sdl 2030
Sovereign Bonds | -7% ₹306 Cr 29,400,000 07.78 MH Sgs 2030
Sovereign Bonds | -6% ₹251 Cr 24,100,200 07.04 Tn SDL 2030
Sovereign Bonds | -6% ₹234 Cr 23,078,300 07.72 MH Sgs 2031
Sovereign Bonds | -5% ₹198 Cr 19,146,700 07.86 MH Sdl 2030
Sovereign Bonds | -3% ₹115 Cr 11,000,000 06.65 GJ Sdl 2030
Sovereign Bonds | -3% ₹112 Cr 11,200,000 07.09 KA Sdl 2030
Sovereign Bonds | -2% ₹105 Cr 10,321,200 07.49 MH Sdl 2030
Sovereign Bonds | -2% ₹103 Cr 10,030,000 07.17 GJ Sdl 2030
Sovereign Bonds | -2% ₹102 Cr 10,000,000 06.70 GJ Sdl 2030
Sovereign Bonds | -2% ₹96 Cr 9,640,700 6. UTI Treasury Advantage Fund - Direct
UTI Treasury Advantage Fund - Direct
Growth Launch Date 1 Jan 13 NAV (25 Nov 25) ₹3,706.39 ↑ 0.93 (0.03 %) Net Assets (Cr) ₹2,814 on 31 Oct 25 Category Debt - Low Duration AMC UTI Asset Management Company Ltd Rating Risk Moderately Low Expense Ratio 0.37 Sharpe Ratio 2.65 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.8% Effective Maturity 1 Year 2 Months 5 Days Modified Duration 11 Months 1 Day Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,923 31 Oct 22 ₹11,367 31 Oct 23 ₹12,180 31 Oct 24 ₹13,134 31 Oct 25 ₹14,162 Returns for UTI Treasury Advantage Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Nov 25 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.4% 1 Year 7.8% 3 Year 7.6% 5 Year 7.2% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.8% 2023 7.2% 2022 4.6% 2021 9.1% 2020 7.4% 2019 -4.1% 2018 7.5% 2017 7.2% 2016 9.1% 2015 8.9% Fund Manager information for UTI Treasury Advantage Fund - Direct
Name Since Tenure Anurag Mittal 1 Dec 21 3.92 Yr. Data below for UTI Treasury Advantage Fund - Direct as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 24.78% Debt 74.91% Other 0.31% Debt Sector Allocation
Sector Value Corporate 64.25% Cash Equivalent 21.63% Government 13.81% Credit Quality
Rating Value AA 17.58% AAA 82.42% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -4% ₹127 Cr 12,500 Treasury Bills
Sovereign Bonds | -4% ₹124 Cr 1,250,000,000 182 Days T-Bill - 30/04/2026
Sovereign Bonds | -4% ₹122 Cr 1,250,000,000
↑ 1,250,000,000 Embassy Office Parks Reit
Debentures | -4% ₹120 Cr 1,200 Rec Limited
Debentures | -3% ₹101 Cr 10,000 Summit Digitel Infrastructure Limited
Debentures | -3% ₹100 Cr 1,000 Sikka Ports & Terminals Limited
Debentures | -3% ₹100 Cr 1,000 Jamnagar Utilities & Power Private Limited
Debentures | -3% ₹100 Cr 1,000 182 Days Tbill Red 29-01-2026
Sovereign Bonds | -3% ₹94 Cr 950,000,000 Embassy Office Parks Reit
Debentures | -3% ₹90 Cr 900
↑ 500 7. Franklin India Savings Plus Fund Retail Option - Direct
Franklin India Savings Plus Fund Retail Option - Direct
Growth Launch Date 1 Jan 13 NAV (25 Nov 25) ₹53.2613 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹4,440 on 31 Oct 25 Category Debt - Money Market AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating Risk Moderately Low Expense Ratio 0.14 Sharpe Ratio 2.98 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.19% Effective Maturity 4 Months 24 Days Modified Duration 4 Months 17 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,368 31 Oct 22 ₹10,789 31 Oct 23 ₹11,594 31 Oct 24 ₹12,497 31 Oct 25 ₹13,471 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 25 Nov 25 Duration Returns 1 Month 0.6% 3 Month 1.5% 6 Month 3.3% 1 Year 7.7% 3 Year 7.7% 5 Year 6.2% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 9% Fund Manager information for Franklin India Savings Plus Fund Retail Option - Direct
Name Since Tenure Rahul Goswami 6 Oct 23 2.07 Yr. Rohan Maru 10 Oct 24 1.06 Yr. Chandni Gupta 30 Apr 24 1.5 Yr. Data below for Franklin India Savings Plus Fund Retail Option - Direct as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 90.83% Debt 8.97% Other 0.2% Debt Sector Allocation
Sector Value Corporate 40.05% Cash Equivalent 36.55% Government 23.2% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -5% ₹221 Cr 22,500,000 364 DTB 27112025
Sovereign Bonds | -3% ₹150 Cr 15,000,000 364 DTB 22012026
Sovereign Bonds | -3% ₹127 Cr 12,816,500
↑ 12,500,000 Kotak Mahindra Bank Ltd.
Debentures | -2% ₹74 Cr 1,500 Punjab National Bank
Domestic Bonds | -1% ₹49 Cr 1,000 364 Days Tbill Red 12-03-2026
Sovereign Bonds | -1% ₹49 Cr 5,000,000 Indian Bank
Domestic Bonds | -1% ₹49 Cr 1,000 08.39 RJ UDAY 2026
Domestic Bonds | -1% ₹29 Cr 2,860,000 08.43 AS Sdl 2026
Sovereign Bonds | -0% ₹21 Cr 2,000,000 364 DTB 01012026
Sovereign Bonds | -0% ₹10 Cr 1,000,000 8. UTI Money Market Fund - Direct
UTI Money Market Fund - Direct
Growth Launch Date 1 Jan 13 NAV (25 Nov 25) ₹3,207.42 ↑ 0.72 (0.02 %) Net Assets (Cr) ₹20,352 on 31 Oct 25 Category Debt - Money Market AMC UTI Asset Management Company Ltd Rating Risk Low Expense Ratio 0.17 Sharpe Ratio 3.08 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.26% Effective Maturity 4 Months 24 Days Modified Duration 4 Months 24 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,381 31 Oct 22 ₹10,844 31 Oct 23 ₹11,661 31 Oct 24 ₹12,571 31 Oct 25 ₹13,547
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 25 Nov 25 Duration Returns 1 Month 0.6% 3 Month 1.5% 6 Month 3.3% 1 Year 7.7% 3 Year 7.7% 5 Year 6.3% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 8.5% Fund Manager information for UTI Money Market Fund - Direct
Name Since Tenure Anurag Mittal 1 Dec 21 3.92 Yr. Amit Sharma 7 Jul 17 8.32 Yr. Data below for UTI Money Market Fund - Direct as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 87.49% Debt 12.26% Other 0.25% Debt Sector Allocation
Sector Value Cash Equivalent 43.55% Corporate 38.07% Government 18.13% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -2% ₹492 Cr 5,000,000,000 364 DTB 19mar2026
Sovereign Bonds | -2% ₹491 Cr 5,000,000,000 364 Days Tbill Red 12-03-2026
Sovereign Bonds | -1% ₹246 Cr 2,500,000,000 182 DAYS T-BILL - 19/03/2026
Sovereign Bonds | -1% ₹245 Cr 2,500,000,000 364 DTB 12022026
Sovereign Bonds | -1% ₹197 Cr 2,000,000,000 364 DTB 27022026
Sovereign Bonds | -1% ₹197 Cr 2,000,000,000 182 Days T-Bill - 14/05/2026
Sovereign Bonds | -1% ₹195 Cr 2,000,000,000
↑ 2,000,000,000 182 Days Tbill Red 28-05-2026
Sovereign Bonds | -1% ₹174 Cr 1,750,000,000 HDFC Bank Ltd.
Debentures | -1% ₹150 Cr 1,500,000,000
↑ 1,500,000,000 HDFC Bank Ltd.
Debentures | -1% ₹147 Cr 1,500,000,000 9. Edelweiss Bond Fund - Direct
Edelweiss Bond Fund - Direct
Growth Launch Date 1 Jan 13 NAV (25 Nov 25) ₹32.1966 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹1,664 on 31 Oct 25 Category Debt - Dynamic Bond AMC Edelweiss Asset Management Limited Rating Risk Moderate Expense Ratio 0.16 Sharpe Ratio 2.86 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.27% Effective Maturity 6 Months 7 Days Modified Duration 6 Months 7 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,362 31 Oct 22 ₹10,745 31 Oct 23 ₹11,522 31 Oct 24 ₹12,406 31 Oct 25 ₹13,356 Returns for Edelweiss Bond Fund - Direct
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Nov 25 Duration Returns 1 Month 0.6% 3 Month 1.5% 6 Month 3.3% 1 Year 7.6% 3 Year 7.5% 5 Year 6% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 7.9% Fund Manager information for Edelweiss Bond Fund - Direct
Name Since Tenure Rahul Dedhia 22 Sep 25 0.11 Yr. Pranavi Kulkarni 23 Nov 21 3.94 Yr. Hetul Raval 1 Jul 24 1.33 Yr. Data below for Edelweiss Bond Fund - Direct as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 86.89% Debt 12.79% Other 0.32% Debt Sector Allocation
Sector Value Cash Equivalent 40.95% Corporate 34.85% Government 23.88% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -4% ₹74 Cr 7,500,000 India (Republic of)
- | -3% ₹53 Cr 5,500,000 364 DTB 19mar2026
Sovereign Bonds | -3% ₹49 Cr 5,000,000 08.27 KA Sdl 2025
Sovereign Bonds | -1% ₹25 Cr 2,500,000 364 Days Tbill Red 12-03-2026
Sovereign Bonds | -1% ₹25 Cr 2,500,000 364 Days Tbill Red 04-06-2026
Sovereign Bonds | -1% ₹24 Cr 2,500,000 SBI CDMDF--A2
Investment Fund | -0% ₹6 Cr 4,861 08.51 HR Sdl 2026
Sovereign Bonds | -0% ₹5 Cr 500,000
↑ 500,000 08.54 BR Sdl 2026
Sovereign Bonds | -0% ₹5 Cr 500,000
↑ 500,000 08.53 Up SDL 2026
Sovereign Bonds | -0% ₹5 Cr 500,000
↑ 500,000 10. Franklin India Treasury Management Account - Regular Plan - Direct
Franklin India Treasury Management Account - Regular Plan - Direct
Growth Launch Date 1 Jan 13 NAV (25 Nov 25) ₹4,057.3 ↑ 0.66 (0.02 %) Net Assets (Cr) ₹3,236 on 31 Oct 25 Category Debt - Liquid Fund AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating Risk Low Expense Ratio 0.12 Sharpe Ratio 3.61 Information Ratio 0 Alpha Ratio 0 Min Investment Min SIP Investment Exit Load NIL Yield to Maturity 6.04% Effective Maturity 2 Months 5 Days Modified Duration 2 Months 1 Day Growth of 10,000 investment over the years.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,325 31 Oct 22 ₹10,780 31 Oct 23 ₹11,529 31 Oct 24 ₹12,391 31 Oct 25 ₹13,240
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 25 Nov 25 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 3% 1 Year 6.8% 3 Year 7.1% 5 Year 5.8% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 8.6% Fund Manager information for Franklin India Treasury Management Account - Regular Plan - Direct
Name Since Tenure Pallab Roy 25 Jun 08 17.36 Yr. Rohan Maru 10 Oct 24 1.06 Yr. Data below for Franklin India Treasury Management Account - Regular Plan - Direct as on 31 Oct 25
Asset Allocation
Asset Class Value Cash 110.01% Debt Sector Allocation
Sector Value Cash Equivalent 83.17% Corporate 26.08% Government 0.77% Credit Quality
Rating Value AA 2.85% AAA 97.15% Top Securities Holdings / Portfolio
Name Holding Value Quantity 91 DTB (11-Dec-2025)
Sovereign Bonds | -12% ₹398 Cr 40,000,000 Bank Of Baroda
Certificate of Deposit | -8% ₹248 Cr 5,000 Reliance Retail Ventures Ltd (21-Nov-2025) **@
Net Current Assets | -6% ₹199 Cr 4,000 Hindalco Industries Ltd (15-Jan-2026) **@
Net Current Assets | -6% ₹198 Cr 4,000
↑ 4,000 LIC Housing Finance Ltd
Debentures | -6% ₹188 Cr 1,750 91 DTB (20-Nov-2025)
Sovereign Bonds | -5% ₹175 Cr 17,500,000 Canara Bank (27-Nov-2025) **
Net Current Assets | -5% ₹174 Cr 3,500 HDFC Bank Limited
Certificate of Deposit | -4% ₹124 Cr 2,500 7.59% Govt Stock 2026
Sovereign Bonds | -3% ₹103 Cr 10,000,000 Can Fin Homes Limited
Debentures | -3% ₹102 Cr 1,000
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 Income Builder Account - Plan A - Direct