2022 के लिए शीर्ष 10 म्युचुअल फंड

Updated on December 20, 2025 , 44072 views

2022 में निवेश करने के लिए सर्वश्रेष्ठ म्यूचुअल फंड की तलाश है? जबकिनिवेश मेंम्यूचुअल फंड्स, निवेशकों को अक्सर ऐसा फंड चुनने में कठिनाई होती है जो उन्हें लगातार रिटर्न दे।

सभी परेशानियों को हल करने के लिए, हम शीर्ष 10 म्यूचुअल फंड योजनाओं की सूची लेकर आए हैं, जिनमें आप निवेश करना पसंद कर सकते हैं। इन फंडों को एयूएम जैसे कुछ मापदंडों को पूरा करके शॉर्टलिस्ट किया गया है,नहीं हैं, पिछले प्रदर्शन, सहकर्मी औसत रिटर्न, आदि। आप इन योजनाओं में दो तरह से निवेश कर सकते हैं- या तोसिप मार्ग या एकमुश्त रास्ता।

निवेश के एकमुश्त मोड में, निवेशक योजना में एकमुश्त डाउन पेमेंट के रूप में काफी राशि का निवेश कर सकते हैं, जबकि एसआईपी मोड में, निवेशक नियमित अंतराल पर निवेश कर सकते हैं जो मासिक, त्रैमासिक और वार्षिक हो सकता है। एकमुश्त में न्यूनतम निवेश राशि हो सकती हैश्रेणी INR 1000-5000 से, जबकि SIP में आप केवल INR 500 से निवेश शुरू कर सकते हैं।

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आपको म्यूचुअल फंड में निवेश क्यों करना चाहिए?

आप ऐसा कर सकते हैंम्युचुअल फंड में निवेश जैसा की आपजोखिम उठाने का माद्दा. सभी प्रकार के जोखिम लेने वालों के लिए योजनाओं की एक श्रृंखला है। रूढ़िवादी निवेशकों से लेकर उच्च जोखिम वाले निवेशकों तक, हर कोई म्यूचुअल फंड योजनाओं में निवेश कर सकता है
म्युचुअल फंड आपको ढेर सारे कर लाभ प्रदान करते हैं
म्यूचुअल फंड आपको बेहतर रिटर्न दे सकते हैं औरनकदी प्रवाह किसी भी अन्य पारंपरिक निवेश विकल्प जैसे FD, आदि की तुलना में।
म्यूचुअल फंड में निवेश करके आप सही मात्रा में विविधीकरण प्राप्त कर सकते हैं। आप अपने पोर्टफोलियो में विभिन्न योजनाओं की संख्या रख सकते हैं
म्युचुअल फंड किफायती हैं। कोई भी व्यक्ति SIP के माध्यम से INR 500 जितनी कम राशि से अपना निवेश शुरू कर सकता है
आप जिस पैसे में निवेश करते हैं उसका प्रबंधन किसी विशेषज्ञ की टीम द्वारा किया जाता है। उनके पास वास्तविक समय तक पहुंच हैमंडी और वे सबसे अधिक लागत प्रभावी पैमाने पर ट्रेडों को निष्पादित करने में सक्षम हैं
आपके म्युचुअल फंड निवेश सुरक्षित हाथों में हैं। प्रत्येक म्युचुअल फंड द्वारा नियंत्रित किया जाता हैसेबी (भारतीय प्रतिभूति और विनिमय बोर्ड), इसलिए आपके द्वारा निवेश किया गया सारा फंड पारदर्शी तरीके से चलता है और सुरक्षित है।

2022 में निवेश करने के लिए शीर्ष 10 म्युचुअल फंड

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
DSP US Flexible Equity Fund Growth	₹75.7901 ↑ 0.63	₹1,089	6.5	23.2	33.6	23.8	17.2	17.8
Franklin Asian Equity Fund Growth	₹35.0638 ↑ 0.43	₹297	3.1	15.9	20.4	11.1	2.5	14.4
Aditya Birla Sun Life Banking And Financial Services Fund Growth	₹64.22 ↑ 0.30	₹3,708	5.7	5.7	17.1	16.4	16.2	8.7
ICICI Prudential Banking and Financial Services Fund Growth	₹138.42 ↑ 0.38	₹11,085	3.5	3.3	15.4	15.3	17.1	11.6
DSP Natural Resources and New Energy Fund Growth	₹96.381 ↑ 0.39	₹1,467	4	10.7	10.9	19	21.5	13.9
Mirae Asset India Equity Fund Growth	₹118.152 ↑ 0.92	₹41,864	3.3	5.7	10.4	13.8	14.7	12.7
Kotak Standard Multicap Fund Growth	₹87.179 ↑ 0.73	₹56,885	1.8	2.8	9.1	16.7	16.6	16.5
Axis Credit Risk Fund Growth	₹22.198 ↑ 0.01	₹366	1.8	3.6	8.7	7.9	6.7	8
PGIM India Credit Risk Fund Growth	₹15.5876 ↑ 0.00	₹39	0.6	4.4	8.4	3	4.2
Bandhan Tax Advantage (ELSS) Fund Growth	₹159.39 ↑ 1.40	₹7,327	3.8	5.4	8.3	16.6	20.6	13.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Dec 25

Research Highlights & Commentary of 10 Funds showcased

Commentary	DSP US Flexible Equity Fund	Franklin Asian Equity Fund	Aditya Birla Sun Life Banking And Financial Services Fund	ICICI Prudential Banking and Financial Services Fund	DSP Natural Resources and New Energy Fund	Mirae Asset India Equity Fund	Kotak Standard Multicap Fund	Axis Credit Risk Fund	PGIM India Credit Risk Fund	Bandhan Tax Advantage (ELSS) Fund
Point 1	Lower mid AUM (₹1,089 Cr).	Bottom quartile AUM (₹297 Cr).	Upper mid AUM (₹3,708 Cr).	Upper mid AUM (₹11,085 Cr).	Lower mid AUM (₹1,467 Cr).	Top quartile AUM (₹41,864 Cr).	Highest AUM (₹56,885 Cr).	Bottom quartile AUM (₹366 Cr).	Bottom quartile AUM (₹39 Cr).	Upper mid AUM (₹7,327 Cr).
Point 2	Established history (13+ yrs).	Oldest track record among peers (17 yrs).	Established history (12+ yrs).	Established history (17+ yrs).	Established history (17+ yrs).	Established history (17+ yrs).	Established history (16+ yrs).	Established history (11+ yrs).	Established history (11+ yrs).	Established history (17+ yrs).
Point 3	Top rated.	Rating: 5★ (top quartile).	Rating: 5★ (upper mid).	Rating: 5★ (upper mid).	Rating: 5★ (upper mid).	Rating: 5★ (lower mid).	Rating: 5★ (lower mid).	Rating: 5★ (bottom quartile).	Rating: 5★ (bottom quartile).	Rating: 5★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately High.
Point 5	5Y return: 17.24% (upper mid).	5Y return: 2.50% (bottom quartile).	5Y return: 16.23% (lower mid).	5Y return: 17.11% (upper mid).	5Y return: 21.52% (top quartile).	5Y return: 14.68% (lower mid).	5Y return: 16.61% (upper mid).	1Y return: 8.73% (bottom quartile).	1Y return: 8.43% (bottom quartile).	5Y return: 20.63% (top quartile).
Point 6	3Y return: 23.79% (top quartile).	3Y return: 11.13% (bottom quartile).	3Y return: 16.45% (upper mid).	3Y return: 15.27% (lower mid).	3Y return: 18.97% (top quartile).	3Y return: 13.85% (lower mid).	3Y return: 16.74% (upper mid).	1M return: 0.34% (lower mid).	1M return: 0.27% (lower mid).	3Y return: 16.63% (upper mid).
Point 7	1Y return: 33.63% (top quartile).	1Y return: 20.39% (top quartile).	1Y return: 17.06% (upper mid).	1Y return: 15.42% (upper mid).	1Y return: 10.93% (upper mid).	1Y return: 10.36% (lower mid).	1Y return: 9.14% (lower mid).	Sharpe: 2.77 (top quartile).	Sharpe: 1.73 (top quartile).	1Y return: 8.32% (bottom quartile).
Point 8	Alpha: 5.69 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: -2.82 (bottom quartile).	Alpha: -0.89 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.51 (upper mid).	Alpha: 1.84 (top quartile).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Alpha: -0.17 (bottom quartile).
Point 9	Sharpe: 1.17 (upper mid).	Sharpe: 1.47 (upper mid).	Sharpe: 0.63 (lower mid).	Sharpe: 0.74 (upper mid).	Sharpe: 0.10 (bottom quartile).	Sharpe: 0.23 (lower mid).	Sharpe: 0.22 (bottom quartile).	Yield to maturity (debt): 8.06% (top quartile).	Yield to maturity (debt): 5.01% (top quartile).	Sharpe: 0.06 (bottom quartile).
Point 10	Information ratio: -0.18 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.29 (top quartile).	Information ratio: 0.23 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: -0.32 (bottom quartile).	Information ratio: 0.15 (upper mid).	Modified duration: 2.33 yrs (bottom quartile).	Modified duration: 0.54 yrs (bottom quartile).	Information ratio: -0.07 (bottom quartile).

DSP US Flexible Equity Fund

Lower mid AUM (₹1,089 Cr).
Established history (13+ yrs).
Top rated.
Risk profile: High.
5Y return: 17.24% (upper mid).
3Y return: 23.79% (top quartile).
1Y return: 33.63% (top quartile).
Alpha: 5.69 (top quartile).
Sharpe: 1.17 (upper mid).
Information ratio: -0.18 (bottom quartile).

Franklin Asian Equity Fund

Bottom quartile AUM (₹297 Cr).
Oldest track record among peers (17 yrs).
Rating: 5★ (top quartile).
Risk profile: High.
5Y return: 2.50% (bottom quartile).
3Y return: 11.13% (bottom quartile).
1Y return: 20.39% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 1.47 (upper mid).
Information ratio: 0.00 (upper mid).

Aditya Birla Sun Life Banking And Financial Services Fund

Upper mid AUM (₹3,708 Cr).
Established history (12+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 16.23% (lower mid).
3Y return: 16.45% (upper mid).
1Y return: 17.06% (upper mid).
Alpha: -2.82 (bottom quartile).
Sharpe: 0.63 (lower mid).
Information ratio: 0.29 (top quartile).

ICICI Prudential Banking and Financial Services Fund

Upper mid AUM (₹11,085 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 17.11% (upper mid).
3Y return: 15.27% (lower mid).
1Y return: 15.42% (upper mid).
Alpha: -0.89 (bottom quartile).
Sharpe: 0.74 (upper mid).
Information ratio: 0.23 (top quartile).

DSP Natural Resources and New Energy Fund

Lower mid AUM (₹1,467 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 21.52% (top quartile).
3Y return: 18.97% (top quartile).
1Y return: 10.93% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.10 (bottom quartile).
Information ratio: 0.00 (upper mid).

Mirae Asset India Equity Fund

Top quartile AUM (₹41,864 Cr).
Established history (17+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately High.
5Y return: 14.68% (lower mid).
3Y return: 13.85% (lower mid).
1Y return: 10.36% (lower mid).
Alpha: 0.51 (upper mid).
Sharpe: 0.23 (lower mid).
Information ratio: -0.32 (bottom quartile).

Kotak Standard Multicap Fund

Highest AUM (₹56,885 Cr).
Established history (16+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately High.
5Y return: 16.61% (upper mid).
3Y return: 16.74% (upper mid).
1Y return: 9.14% (lower mid).
Alpha: 1.84 (top quartile).
Sharpe: 0.22 (bottom quartile).
Information ratio: 0.15 (upper mid).

Axis Credit Risk Fund

Bottom quartile AUM (₹366 Cr).
Established history (11+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.73% (bottom quartile).
1M return: 0.34% (lower mid).
Sharpe: 2.77 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.06% (top quartile).
Modified duration: 2.33 yrs (bottom quartile).

PGIM India Credit Risk Fund

Bottom quartile AUM (₹39 Cr).
Established history (11+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.43% (bottom quartile).
1M return: 0.27% (lower mid).
Sharpe: 1.73 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 5.01% (top quartile).
Modified duration: 0.54 yrs (bottom quartile).

Bandhan Tax Advantage (ELSS) Fund

Upper mid AUM (₹7,327 Cr).
Established history (17+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 20.63% (top quartile).
3Y return: 16.63% (upper mid).
1Y return: 8.32% (bottom quartile).
Alpha: -0.17 (bottom quartile).
Sharpe: 0.06 (bottom quartile).
Information ratio: -0.07 (bottom quartile).

1. DSP US Flexible Equity Fund

The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of BGF – USFEF. The Scheme may, at the discretion of the Investment Manager also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or money market/liquid schemes of DSP BlackRock Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized. It shall be noted ‘similar overseas mutual fund schemes’ shall have investment objective, investment strategy and risk profile/consideration similar to those of BGF – USFEF.

Research Highlights for DSP US Flexible Equity Fund

Lower mid AUM (₹1,089 Cr).
Established history (13+ yrs).
Top rated.
Risk profile: High.
5Y return: 17.24% (upper mid).
3Y return: 23.79% (top quartile).
1Y return: 33.63% (top quartile).
Alpha: 5.69 (top quartile).
Sharpe: 1.17 (upper mid).
Information ratio: -0.18 (bottom quartile).
Higher exposure to Technology vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding BGF US Flexible Equity I2 (~98.6%).
Top-3 holdings concentration ~100.0%.

Below is the key information for DSP US Flexible Equity Fund

DSP US Flexible Equity Fund Growth
Launch Date	3 Aug 12
NAV (19 Dec 25)	₹75.7901 ↑ 0.63 (0.83 %)
Net Assets (Cr)	₹1,089 on 30 Nov 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.55
Sharpe Ratio	1.17
Information Ratio	-0.18
Alpha Ratio	5.69
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)
Sub Cat.	Global

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹12,181
30 Nov 22	₹11,920
30 Nov 23	₹13,602
30 Nov 24	₹16,600
30 Nov 25	₹22,112

DSP US Flexible Equity Fund SIP Returns

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

Returns for DSP US Flexible Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Dec 25

Duration	Returns
1 Month	5.1%
3 Month	6.5%
6 Month	23.2%
1 Year	33.6%
3 Year	23.8%
5 Year	17.2%
10 Year
15 Year
Since launch	16.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	17.8%
2023	22%
2022	-5.9%
2021	24.2%
2020	22.6%
2019	27.5%
2018	-1.1%
2017	15.5%
2016	9.8%
2015	2.5%

Fund Manager information for DSP US Flexible Equity Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	12.76 Yr.

Data below for DSP US Flexible Equity Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Technology	35.65%
Communication Services	13.7%
Financial Services	13.52%
Health Care	10.75%
Consumer Cyclical	9.85%
Industrials	9%
Energy	2.3%
Basic Materials	2.3%

Asset Allocation

Asset Class	Value
Cash	2.92%
Equity	97.08%
Debt	0.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF US Flexible Equity I2 Investment Fund \| -	99%	₹1,074 Cr	1,962,543 ↓ -32,415
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	1%	₹8 Cr
Net Receivables/Payables Net Current Assets \| -	1%	₹7 Cr

2. Franklin Asian Equity Fund

An open-end diversified equity fund that seeks to provide medium to long term appreciation through investments primarily in Asian Companies / sectors (excluding Japan) with long term potential across market capitalisation.

Research Highlights for Franklin Asian Equity Fund

Bottom quartile AUM (₹297 Cr).
Oldest track record among peers (17 yrs).
Rating: 5★ (top quartile).
Risk profile: High.
5Y return: 2.50% (bottom quartile).
3Y return: 11.13% (bottom quartile).
1Y return: 20.39% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 1.47 (upper mid).
Information ratio: 0.00 (upper mid).
Higher exposure to Technology vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~87%).
Largest holding Taiwan Semiconductor Manufacturing Co Ltd (~9.5%).

Below is the key information for Franklin Asian Equity Fund

Franklin Asian Equity Fund Growth
Launch Date	16 Jan 08
NAV (22 Dec 25)	₹35.0638 ↑ 0.43 (1.24 %)
Net Assets (Cr)	₹297 on 30 Nov 25
Category	Equity - Global
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	2.54
Sharpe Ratio	1.47
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-3 Years (1%),3 Years and above(NIL)
Sub Cat.	Global

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹9,748
30 Nov 22	₹8,267
30 Nov 23	₹8,125
30 Nov 24	₹9,344
30 Nov 25	₹11,467

Franklin Asian Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹323,701.
Net Profit of ₹23,701 Invest Now

Returns for Franklin Asian Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Dec 25

Duration	Returns
1 Month	1.3%
3 Month	3.1%
6 Month	15.9%
1 Year	20.4%
3 Year	11.1%
5 Year	2.5%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	14.4%
2023	0.7%
2022	-14.5%
2021	-5.9%
2020	25.8%
2019	28.2%
2018	-13.6%
2017	35.5%
2016	7.2%
2015	-4.6%

Fund Manager information for Franklin Asian Equity Fund

Name	Since	Tenure
Sandeep Manam	18 Oct 21	4.12 Yr.
Shyam Sriram	26 Sep 24	1.18 Yr.

Data below for Franklin Asian Equity Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Technology	27.83%
Consumer Cyclical	22.52%
Financial Services	11.94%
Industrials	8.01%
Communication Services	5.55%
Health Care	4.05%
Real Estate	3.21%
Basic Materials	2.37%
Utility	1.09%

Asset Allocation

Asset Class	Value
Cash	13.41%
Equity	86.59%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Taiwan Semiconductor Manufacturing Co Ltd (Technology) Equity, Since 31 Mar 09 \| 2330	10%	₹28 Cr	69,000 ↑ 2,000
Tencent Holdings Ltd (Communication Services) Equity, Since 31 Jul 14 \| 00700	6%	₹17 Cr	23,500
Samsung Electronics Co Ltd (Technology) Equity, Since 31 Mar 08 \| 005930	4%	₹13 Cr	20,911
SK Hynix Inc (Technology) Equity, Since 30 Jun 20 \| 000660	4%	₹11 Cr	3,567
Alibaba Group Holding Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Dec 20 \| 09988	3%	₹10 Cr	55,304
Contemporary Amperex Technology Co Ltd Class A (Industrials) Equity, Since 30 Apr 24 \| 300750	3%	₹9 Cr	18,100
MediaTek Inc (Technology) Equity, Since 31 Aug 20 \| 2454	3%	₹8 Cr	21,000
HDFC Life Insurance Co Ltd (Financial Services) Equity, Since 31 Jan 24 \| HDFCLIFE	3%	₹8 Cr	99,744
Indian Hotels Co Ltd (Consumer Cyclical) Equity, Since 30 Apr 23 \| INDHOTEL	3%	₹7 Cr	100,242 ↑ 12,541
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Mar 24 \| LT	2%	₹7 Cr	17,462

3. Aditya Birla Sun Life Banking And Financial Services Fund

The primary investment objective of the Scheme is to generate long-term capital appreciation to unit holders from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes’ objectives will be achieved.

Research Highlights for Aditya Birla Sun Life Banking And Financial Services Fund

Upper mid AUM (₹3,708 Cr).
Established history (12+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 16.23% (lower mid).
3Y return: 16.45% (upper mid).
1Y return: 17.06% (upper mid).
Alpha: -2.82 (bottom quartile).
Sharpe: 0.63 (lower mid).
Information ratio: 0.29 (top quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~17.5%).
Top-3 holdings concentration ~40.8%.

Below is the key information for Aditya Birla Sun Life Banking And Financial Services Fund

Aditya Birla Sun Life Banking And Financial Services Fund Growth
Launch Date	14 Dec 13
NAV (22 Dec 25)	₹64.22 ↑ 0.30 (0.47 %)
Net Assets (Cr)	₹3,708 on 30 Nov 25
Category	Equity - Sectoral
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.99
Sharpe Ratio	0.63
Information Ratio	0.29
Alpha Ratio	-2.82
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	0-365 Days (1%),365 Days and above(NIL)
Sub Cat.	Sectoral

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹12,650
30 Nov 22	₹13,995
30 Nov 23	₹16,045
30 Nov 24	₹18,893
30 Nov 25	₹21,671

Aditya Birla Sun Life Banking And Financial Services Fund SIP Returns

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

Returns for Aditya Birla Sun Life Banking And Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Dec 25

Duration	Returns
1 Month	0.5%
3 Month	5.7%
6 Month	5.7%
1 Year	17.1%
3 Year	16.4%
5 Year	16.2%
10 Year
15 Year
Since launch	16.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.7%
2023	21.7%
2022	11.5%
2021	16.8%
2020	1.1%
2019	14.9%
2018	-2.4%
2017	47.6%
2016	15.7%
2015	-0.5%

Fund Manager information for Aditya Birla Sun Life Banking And Financial Services Fund

Name	Since	Tenure
Dhaval Gala	26 Aug 15	10.27 Yr.

Data below for Aditya Birla Sun Life Banking And Financial Services Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	97.86%
Technology	1.09%

Asset Allocation

Asset Class	Value
Cash	1.05%
Equity	98.95%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| ICICIBANK	18%	₹650 Cr	4,677,929
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| HDFCBANK	15%	₹570 Cr	5,658,496 ↓ -350,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| AXISBANK	8%	₹295 Cr	2,302,100
State Bank of India (Financial Services) Equity, Since 31 Oct 17 \| SBIN	7%	₹256 Cr	2,618,689 ↓ -100,000
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Sep 16 \| BAJFINANCE	6%	₹222 Cr	2,137,250
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 19 \| KOTAKBANK	4%	₹151 Cr	709,333
AU Small Finance Bank Ltd (Financial Services) Equity, Since 30 Nov 23 \| AUBANK	3%	₹129 Cr	1,346,861
ICICI Lombard General Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 19 \| ICICIGI	3%	₹111 Cr	565,076
Cholamandalam Financial Holdings Ltd (Financial Services) Equity, Since 31 Jan 20 \| CHOLAHLDNG	3%	₹107 Cr	581,588 ↓ -42,318
Shriram Finance Ltd (Financial Services) Equity, Since 30 Jun 23 \| SHRIRAMFIN	3%	₹102 Cr	1,198,382

4. ICICI Prudential Banking and Financial Services Fund

ICICI Prudential Banking and Financial Services Fund is an Open-ended equity scheme that seeks to generate long-term capital appreciation to unitholders from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for ICICI Prudential Banking and Financial Services Fund

Upper mid AUM (₹11,085 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 17.11% (upper mid).
3Y return: 15.27% (lower mid).
1Y return: 15.42% (upper mid).
Alpha: -0.89 (bottom quartile).
Sharpe: 0.74 (upper mid).
Information ratio: 0.23 (top quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~20.3%).
Top-3 holdings concentration ~46.4%.

Below is the key information for ICICI Prudential Banking and Financial Services Fund

ICICI Prudential Banking and Financial Services Fund Growth
Launch Date	22 Aug 08
NAV (22 Dec 25)	₹138.42 ↑ 0.38 (0.28 %)
Net Assets (Cr)	₹11,085 on 30 Nov 25
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.83
Sharpe Ratio	0.74
Information Ratio	0.23
Alpha Ratio	-0.89
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)
Sub Cat.	Sectoral

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹13,072
30 Nov 22	₹14,756
30 Nov 23	₹16,381
30 Nov 24	₹19,617
30 Nov 25	₹22,467

ICICI Prudential Banking and Financial Services Fund SIP Returns

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

Returns for ICICI Prudential Banking and Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Dec 25

Duration	Returns
1 Month	-0.2%
3 Month	3.5%
6 Month	3.3%
1 Year	15.4%
3 Year	15.3%
5 Year	17.1%
10 Year
15 Year
Since launch	16.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	11.6%
2023	17.9%
2022	11.9%
2021	23.5%
2020	-5.5%
2019	14.5%
2018	-0.4%
2017	45.1%
2016	21.1%
2015	-7.2%

Fund Manager information for ICICI Prudential Banking and Financial Services Fund

Name	Since	Tenure
Roshan Chutkey	29 Jan 18	7.84 Yr.
Sharmila D’mello	30 Jun 22	3.42 Yr.

Data below for ICICI Prudential Banking and Financial Services Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	92.37%
Health Care	1.26%
Technology	0.43%
Industrials	0.32%

Asset Allocation

Asset Class	Value
Cash	5.62%
Equity	94.38%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| HDFCBANK	20%	₹2,246 Cr	22,294,728
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| ICICIBANK	18%	₹2,050 Cr	14,758,497
State Bank of India (Financial Services) Equity, Since 31 Oct 08 \| SBIN	8%	₹848 Cr	8,657,956 ↓ -578,710
Axis Bank Ltd (Financial Services) Equity, Since 28 Feb 19 \| AXISBANK	8%	₹841 Cr	6,575,273
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 17 \| SBILIFE	6%	₹610 Cr	3,104,315
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 23 \| KOTAKBANK	5%	₹529 Cr	2,488,791
HDFC Life Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 23 \| HDFCLIFE	4%	₹401 Cr	5,241,538 ↑ 356,588
Max Financial Services Ltd (Financial Services) Equity, Since 31 Aug 19 \| MFSL	3%	₹281 Cr	1,649,161
ICICI Lombard General Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 19 \| ICICIGI	2%	₹267 Cr	1,355,046
LIC Housing Finance Ltd (Financial Services) Equity, Since 30 Nov 24 \| LICHSGFIN	2%	₹220 Cr	4,002,710 ↑ 35,434

5. DSP Natural Resources and New Energy Fund

To seek to generate capital appreciation and provide long term growth opportunities by investing in equity and equity related securities of companies domiciled in India whose predominant economic activity is in the (a) discovery, development, production, or distribution of natural resources, viz., energy, mining etc; (b) alternative energy and energy technology sectors, with emphasis given to renewable energy, automotive and on-site power generation, energy storage and enabling energy technologies. also invest a certain portion of its corpus in the equity and equity related securities of companies domiciled overseas, which are principally engaged in the discovery, development, production or distribution of natural resources and alternative energy and/or the units shares of Merrill Lynch international Investment Funds New Energy Fund, Merrill Lynch International Investment Funds World Energy Fund and similar other overseas mutual fund schemes.

Research Highlights for DSP Natural Resources and New Energy Fund

Lower mid AUM (₹1,467 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 21.52% (top quartile).
3Y return: 18.97% (top quartile).
1Y return: 10.93% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.10 (bottom quartile).
Information ratio: 0.00 (upper mid).
Higher exposure to Energy vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Oil & Natural Gas Corp Ltd (~9.1%).

Below is the key information for DSP Natural Resources and New Energy Fund

DSP Natural Resources and New Energy Fund Growth
Launch Date	25 Apr 08
NAV (19 Dec 25)	₹96.381 ↑ 0.39 (0.40 %)
Net Assets (Cr)	₹1,467 on 30 Nov 25
Category	Equity - Sectoral
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.99
Sharpe Ratio	0.1
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)
Sub Cat.	Sectoral

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹14,996
30 Nov 22	₹16,716
30 Nov 23	₹20,091
30 Nov 24	₹26,294
30 Nov 25	₹28,032

DSP Natural Resources and New Energy Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033 Invest Now

Returns for DSP Natural Resources and New Energy Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Dec 25

Duration	Returns
1 Month	-0.2%
3 Month	4%
6 Month	10.7%
1 Year	10.9%
3 Year	19%
5 Year	21.5%
10 Year
15 Year
Since launch	13.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	13.9%
2023	31.2%
2022	9.8%
2021	42.8%
2020	11.5%
2019	4.4%
2018	-15.3%
2017	43.1%
2016	43.1%
2015	-1.7%

Fund Manager information for DSP Natural Resources and New Energy Fund

Name	Since	Tenure
Rohit Singhania	1 Jul 12	13.43 Yr.

Data below for DSP Natural Resources and New Energy Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Energy	42.53%
Basic Materials	39.64%
Utility	9.3%
Industrials	2.36%
Technology	1.78%
Consumer Cyclical	0.06%

Asset Allocation

Asset Class	Value
Cash	4.32%
Equity	95.68%
Debt	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Oil & Natural Gas Corp Ltd (Energy) Equity, Since 31 May 20 \| 500312	9%	₹133 Cr	5,470,562 ↑ 143,662
Jindal Steel Ltd (Basic Materials) Equity, Since 31 Mar 20 \| JINDALSTEL	9%	₹130 Cr	1,244,187
Tata Steel Ltd (Basic Materials) Equity, Since 31 Aug 16 \| TATASTEEL	9%	₹125 Cr	7,456,242
BGF Sustainable Energy I2 Investment Fund \| -	6%	₹94 Cr	443,474
BGF World Energy I2 Investment Fund \| -	6%	₹94 Cr	334,870
Hindalco Industries Ltd (Basic Materials) Equity, Since 31 Oct 15 \| HINDALCO	5%	₹77 Cr	952,790
Hindustan Zinc Ltd (Basic Materials) Equity, Since 31 Mar 09 \| HINDZINC	5%	₹74 Cr	1,516,403
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 08 \| BPCL	5%	₹72 Cr	1,998,861 ↓ -204,000
National Aluminium Co Ltd (Basic Materials) Equity, Since 28 Feb 22 \| NATIONALUM	4%	₹63 Cr	2,439,055
Petronet LNG Ltd (Energy) Equity, Since 31 Jan 18 \| PETRONET	4%	₹62 Cr	2,278,481 ↑ 828,529

6. Mirae Asset India Equity Fund

(Erstwhile Mirae Asset India Opportunities Fund)

The investment objective of the scheme is to generate long term capital appreciation by capitalizing on potential investment opportunities through predominantly investing in equities, equity related securities.

Research Highlights for Mirae Asset India Equity Fund

Top quartile AUM (₹41,864 Cr).
Established history (17+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately High.
5Y return: 14.68% (lower mid).
3Y return: 13.85% (lower mid).
1Y return: 10.36% (lower mid).
Alpha: 0.51 (upper mid).
Sharpe: 0.23 (lower mid).
Information ratio: -0.32 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding HDFC Bank Ltd (~9.8%).

Below is the key information for Mirae Asset India Equity Fund

Mirae Asset India Equity Fund Growth
Launch Date	4 Apr 08
NAV (22 Dec 25)	₹118.152 ↑ 0.92 (0.79 %)
Net Assets (Cr)	₹41,864 on 30 Nov 25
Category	Equity - Multi Cap
AMC	Mirae Asset Global Inv (India) Pvt. Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.16
Sharpe Ratio	0.23
Information Ratio	-0.32
Alpha Ratio	0.51
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)
Sub Cat.	Multi Cap

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹13,317
30 Nov 22	₹14,373
30 Nov 23	₹15,529
30 Nov 24	₹18,882
30 Nov 25	₹20,475

Mirae Asset India Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for Mirae Asset India Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Dec 25

Duration	Returns
1 Month	0.6%
3 Month	3.3%
6 Month	5.7%
1 Year	10.4%
3 Year	13.8%
5 Year	14.7%
10 Year
15 Year
Since launch	15%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	12.7%
2023	18.4%
2022	1.6%
2021	27.7%
2020	13.7%
2019	12.7%
2018	-0.6%
2017	38.6%
2016	8.1%
2015	4.3%

Fund Manager information for Mirae Asset India Equity Fund

Name	Since	Tenure
Gaurav Misra	31 Jan 19	6.84 Yr.

Data below for Mirae Asset India Equity Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	31.37%
Consumer Cyclical	13.81%
Technology	11.35%
Consumer Defensive	9.9%
Industrials	8.14%
Energy	5.82%
Basic Materials	5.49%
Health Care	4.93%
Communication Services	4.8%
Utility	3.09%
Real Estate	0.79%

Asset Allocation

Asset Class	Value
Cash	0.5%
Equity	99.5%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 09 \| HDFCBANK	10%	₹4,093 Cr	40,619,277
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	8%	₹3,436 Cr	24,744,264 ↑ 164,982
Infosys Ltd (Technology) Equity, Since 31 May 08 \| INFY	6%	₹2,341 Cr	15,003,321
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 08 \| RELIANCE	5%	₹2,121 Cr	13,533,143
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Aug 10 \| BHARTIARTL	4%	₹1,801 Cr	8,571,128 ↑ 222,095
ITC Ltd (Consumer Defensive) Equity, Since 29 Feb 12 \| ITC	4%	₹1,766 Cr	43,675,034 ↑ 980,562
Larsen & Toubro Ltd (Industrials) Equity, Since 29 Feb 12 \| LT	4%	₹1,556 Cr	3,822,728
Tata Consultancy Services Ltd (Technology) Equity, Since 31 May 09 \| TCS	3%	₹1,447 Cr	4,612,393
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 14 \| AXISBANK	3%	₹1,365 Cr	10,663,212
State Bank of India (Financial Services) Equity, Since 31 Jul 08 \| SBIN	3%	₹1,205 Cr	12,307,964

7. Kotak Standard Multicap Fund

(Erstwhile Kotak Select Focus Fund)

The investment objective of the scheme is to generate long term appreciation from the portfolio of equity and equity related sectors, generally focussed on few selected sectors.

Research Highlights for Kotak Standard Multicap Fund

Highest AUM (₹56,885 Cr).
Established history (16+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately High.
5Y return: 16.61% (upper mid).
3Y return: 16.74% (upper mid).
1Y return: 9.14% (lower mid).
Alpha: 1.84 (top quartile).
Sharpe: 0.22 (bottom quartile).
Information ratio: 0.15 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding HDFC Bank Ltd (~7.0%).

Below is the key information for Kotak Standard Multicap Fund

Kotak Standard Multicap Fund Growth
Launch Date	11 Sep 09
NAV (22 Dec 25)	₹87.179 ↑ 0.73 (0.85 %)
Net Assets (Cr)	₹56,885 on 30 Nov 25
Category	Equity - Multi Cap
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.47
Sharpe Ratio	0.22
Information Ratio	0.15
Alpha Ratio	1.84
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)
Sub Cat.	Multi Cap

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹12,862
30 Nov 22	₹14,193
30 Nov 23	₹15,947
30 Nov 24	₹20,458
30 Nov 25	₹22,199

Kotak Standard Multicap Fund SIP Returns

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

Returns for Kotak Standard Multicap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Dec 25

Duration	Returns
1 Month	-0.1%
3 Month	1.8%
6 Month	2.8%
1 Year	9.1%
3 Year	16.7%
5 Year	16.6%
10 Year
15 Year
Since launch	14.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	16.5%
2023	24.2%
2022	5%
2021	25.4%
2020	11.8%
2019	12.3%
2018	-0.9%
2017	34.3%
2016	9.4%
2015	3%

Fund Manager information for Kotak Standard Multicap Fund

Name	Since	Tenure
Harsha Upadhyaya	4 Aug 12	13.33 Yr.

Data below for Kotak Standard Multicap Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	28.68%
Industrials	18.75%
Basic Materials	13.88%
Consumer Cyclical	11.92%
Technology	6.88%
Energy	6.05%
Utility	3.2%
Communication Services	3.18%
Health Care	2.88%
Consumer Defensive	2.25%

Asset Allocation

Asset Class	Value
Cash	2.39%
Equity	97.61%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 10 \| HDFCBANK	7%	₹3,980 Cr	39,500,000 ↑ 3,500,000
Bharat Electronics Ltd (Industrials) Equity, Since 31 Aug 14 \| BEL	6%	₹3,294 Cr	80,000,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Sep 10 \| ICICIBANK	5%	₹3,055 Cr	22,000,000 ↓ -3,000,000
State Bank of India (Financial Services) Equity, Since 31 Jan 12 \| SBIN	4%	₹2,330 Cr	23,800,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Sep 13 \| LT	4%	₹2,157 Cr	5,300,000
Axis Bank Ltd (Financial Services) Equity, Since 31 May 12 \| AXISBANK	4%	₹2,048 Cr	16,000,000
Jindal Steel Ltd (Basic Materials) Equity, Since 31 Mar 18 \| JINDALSTEL	3%	₹1,984 Cr	19,000,000
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| 543320	3%	₹1,921 Cr	64,000,000 ↑ 1,000,000
SRF Ltd (Industrials) Equity, Since 31 Dec 18 \| SRF	3%	₹1,830 Cr	6,250,000
Infosys Ltd (Technology) Equity, Since 30 Nov 10 \| INFY	3%	₹1,751 Cr	11,223,075 ↓ -276,925

8. Axis Credit Risk Fund

(Erstwhile Axis Fixed Income Opportunities Fund)

To generate stable returns by investing in debt & money market instruments across the yield curve & credit spectrum. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns

Research Highlights for Axis Credit Risk Fund

Bottom quartile AUM (₹366 Cr).
Established history (11+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.73% (bottom quartile).
1M return: 0.34% (lower mid).
Sharpe: 2.77 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.06% (top quartile).
Modified duration: 2.33 yrs (bottom quartile).
Average maturity: 2.71 yrs (bottom quartile).
Exit load: 0-12 Months (1%),12 Months and above(NIL).
Top sector: Real Estate.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~91%).
High-quality debt (AAA/AA ~80%).
Largest holding Jubilant Bevco Limited (~4.4%).

Below is the key information for Axis Credit Risk Fund

Axis Credit Risk Fund Growth
Launch Date	15 Jul 14
NAV (22 Dec 25)	₹22.198 ↑ 0.01 (0.04 %)
Net Assets (Cr)	₹366 on 30 Nov 25
Category	Debt - Credit Risk
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	1.57
Sharpe Ratio	2.77
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity	8.06%
Effective Maturity	2 Years 8 Months 16 Days
Modified Duration	2 Years 3 Months 29 Days
Sub Cat.	Credit Risk

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,625
30 Nov 22	₹11,026
30 Nov 23	₹11,779
30 Nov 24	₹12,750
30 Nov 25	₹13,884

Axis Credit Risk Fund SIP Returns

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

Returns for Axis 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 19 Dec 25

Duration	Returns
1 Month	0.3%
3 Month	1.8%
6 Month	3.6%
1 Year	8.7%
3 Year	7.9%
5 Year	6.7%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8%
2023	7%
2022	4%
2021	6%
2020	8.2%
2019	4.4%
2018	5.9%
2017	6.4%
2016	9.8%
2015	8.7%

Fund Manager information for Axis Credit Risk Fund

Name	Since	Tenure
Devang Shah	15 Jul 14	11.39 Yr.
Akhil Thakker	9 Nov 21	4.06 Yr.

Data below for Axis Credit Risk Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	5.06%
Equity	3.09%
Debt	91.36%
Other	0.49%

Debt Sector Allocation

Sector	Value
Corporate	81.87%
Government	9.49%
Cash Equivalent	5.06%

Credit Quality

Rating	Value
A	19.64%
AA	60.84%
AAA	19.52%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Jubilant Bevco Limited Debentures \| -	4%	₹16 Cr	1,500
Jtpm Metal TRaders Limited Debentures \| -	4%	₹15 Cr	1,500
Narayana Hrudayalaya Limited Debentures \| -	4%	₹15 Cr	1,500
Altius Telecom Infrastructure Trust Debentures \| -	4%	₹15 Cr	1,500
Aditya Birla Renewables Limited Debentures \| -	4%	₹15 Cr	1,500
Aditya Birla Digital Fashion Ventures Limited Debentures \| -	4%	₹15 Cr	1,500
Infopark Properties Limited Debentures \| -	4%	₹15 Cr	1,500
6.48% Govt Stock 2035 Sovereign Bonds \| -	4%	₹15 Cr	1,500,000 ↓ -300,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	3%	₹12 Cr	1,200,000
Vedanta Limited Debentures \| -	3%	₹12 Cr	1,200

9. PGIM India Credit Risk Fund

(Erstwhile DHFL Pramerica Credit Opportunities Fund)

The investment objective of the Scheme is to generate income and capital appreciation by investing predominantly in corporate debt. There can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for PGIM India Credit Risk Fund

Bottom quartile AUM (₹39 Cr).
Established history (11+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.43% (bottom quartile).
1M return: 0.27% (lower mid).
Sharpe: 1.73 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 5.01% (top quartile).
Modified duration: 0.54 yrs (bottom quartile).
Average maturity: 0.59 yrs (bottom quartile).
Exit load: 0-1 Years (1%),1 Years and above(NIL).

Below is the key information for PGIM India Credit Risk Fund

PGIM India Credit Risk Fund Growth
Launch Date	29 Sep 14
NAV (21 Jan 22)	₹15.5876 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹39 on 31 Dec 21
Category	Debt - Credit Risk
AMC	Pramerica Asset Managers Private Limited
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	1.85
Sharpe Ratio	1.73
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)
Yield to Maturity	5.01%
Effective Maturity	7 Months 2 Days
Modified Duration	6 Months 14 Days
Sub Cat.	Credit Risk

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,965

PGIM India Credit Risk Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235 Invest Now

Returns for PGIM India 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 19 Dec 25

Duration	Returns
1 Month	0.3%
3 Month	0.6%
6 Month	4.4%
1 Year	8.4%
3 Year	3%
5 Year	4.2%
10 Year
15 Year
Since launch	6.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for PGIM India Credit Risk Fund

Name	Since	Tenure

Data below for PGIM India Credit Risk Fund as on 31 Dec 21

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

10. Bandhan Tax Advantage (ELSS) Fund

The investment objective of the Scheme is to seek to generate long term capital growth from a diversified portfolio of predominantly equity and equity related securities. There can be no assurance that the investment objective of the scheme will be realised.

Research Highlights for Bandhan Tax Advantage (ELSS) Fund

Upper mid AUM (₹7,327 Cr).
Established history (17+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 20.63% (top quartile).
3Y return: 16.63% (upper mid).
1Y return: 8.32% (bottom quartile).
Alpha: -0.17 (bottom quartile).
Sharpe: 0.06 (bottom quartile).
Information ratio: -0.07 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding HDFC Bank Ltd (~7.8%).

Below is the key information for Bandhan Tax Advantage (ELSS) Fund

Bandhan Tax Advantage (ELSS) Fund Growth
Launch Date	26 Dec 08
NAV (22 Dec 25)	₹159.39 ↑ 1.40 (0.89 %)
Net Assets (Cr)	₹7,327 on 30 Nov 25
Category	Equity - ELSS
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.74
Sharpe Ratio	0.06
Information Ratio	-0.07
Alpha Ratio	-0.17
Min Investment	500
Min SIP Investment	500
Exit Load	NIL
Sub Cat.	ELSS

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹15,317
30 Nov 22	₹17,165
30 Nov 23	₹20,289
30 Nov 24	₹24,603
30 Nov 25	₹26,130

Bandhan Tax Advantage (ELSS) Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 Invest Now

Returns for Bandhan Tax Advantage (ELSS) Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Dec 25

Duration	Returns
1 Month	1.2%
3 Month	3.8%
6 Month	5.4%
1 Year	8.3%
3 Year	16.6%
5 Year	20.6%
10 Year
15 Year
Since launch	17.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	13.1%
2023	28.3%
2022	4.2%
2021	49.2%
2020	18.7%
2019	1.9%
2018	-9.4%
2017	53.4%
2016	0.4%
2015	6.9%

Fund Manager information for Bandhan Tax Advantage (ELSS) Fund

Name	Since	Tenure
Daylynn Pinto	20 Oct 16	9.12 Yr.
Ritika Behera	7 Oct 23	2.15 Yr.
Gaurav Satra	10 Jun 24	1.48 Yr.

Data below for Bandhan Tax Advantage (ELSS) Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	33.14%
Technology	11%
Consumer Cyclical	9.77%
Consumer Defensive	8.65%
Energy	8.04%
Basic Materials	7.42%
Health Care	5.77%
Industrials	4.2%
Communication Services	2.6%
Real Estate	2.19%
Utility	1.85%

Asset Allocation

Asset Class	Value
Cash	5.36%
Equity	94.64%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 14 \| HDFCBANK	8%	₹574 Cr	5,700,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 18 \| RELIANCE	7%	₹517 Cr	3,300,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 16 \| ICICIBANK	5%	₹347 Cr	2,500,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Oct 21 \| TCS	4%	₹329 Cr	1,050,000 ↑ 100,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| KOTAKBANK	4%	₹297 Cr	1,400,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 21 \| AXISBANK	3%	₹243 Cr	1,900,000
State Bank of India (Financial Services) Equity, Since 30 Jun 20 \| SBIN	3%	₹225 Cr	2,300,000 ↓ -88,280
Infosys Ltd (Technology) Equity, Since 31 Jul 15 \| INFY	3%	₹218 Cr	1,400,000
Hero MotoCorp Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| HEROMOTOCO	2%	₹170 Cr	275,000 ↓ -50,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 20 \| BHARTIARTL	2%	₹168 Cr	801,000 ↓ -49,000

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