बैलेंस्ड फंड इक्विटी और दोनों के संयोजन के रूप में कार्य करते हैंडेट म्यूचुअल फंड. एक ऋण समन्वय में-बैलेंस्ड फंड, इसके पोर्टफोलियो का एक बड़ा हिस्सा डेट में निवेश किया जाता है औरमुद्रा बाजार इंस्ट्रूमेंट्स, जबकि इक्विटी इंस्ट्रूमेंट्स में एक छोटा सा हिस्सा। ये फंड लंबे समय में लगातार रिटर्न देने की क्षमता रखते हैं। बढ़ते इक्विटी बाजारों से पोर्टफोलियो के इक्विटी हिस्से को फायदा होगा। हालांकि, जो निवेशक सर्वोत्तम संभव रिटर्न अर्जित करना चाहते हैं, उन्हें सलाह दी जाती है कि वे सबसे अच्छा प्रदर्शन करने वाले संतुलित ऋण में निवेश करेंसिप फंड, जैसा कि नीचे सूचीबद्ध है।
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Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2025 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity ICICI Prudential MIP 25 Growth ₹77.7779
↓ -0.04 ₹3,270 100 -1.9 0.4 0.3 7.7 7.9 8.23% 2Y 10M 13D 5Y 5M 16D Nippon India Hybrid Bond Fund Growth ₹61.8338
↑ 0.07 ₹977 100 -0.2 2.1 4 7.6 9.7 0.09% 1Y 9M 25D 2Y 1M 28D DSP Regular Savings Fund Growth ₹60.1796
↑ 0.04 ₹175 500 -1.4 0.7 1.1 7.5 7.2 5.31% 2Y 11D 3Y 2M 12D SBI Debt Hybrid Fund Growth ₹75.3581
↓ -0.17 ₹10,107 500 -1.4 0.9 1.6 7.5 6.7 8.15% 2Y 5M 8D 2Y 10M 20D Aditya Birla Sun Life Regular Savings Fund Growth ₹69.0592
↑ 0.02 ₹1,467 500 -1.8 0.7 0.8 7.4 7.1 8.2% 2Y 6M 18D 3Y 9M 11D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Oct 26 Research Highlights & Commentary of 5 Funds showcased
Commentary ICICI Prudential MIP 25 Nippon India Hybrid Bond Fund DSP Regular Savings Fund SBI Debt Hybrid Fund Aditya Birla Sun Life Regular Savings Fund Point 1 Upper mid AUM (₹3,270 Cr). Bottom quartile AUM (₹977 Cr). Bottom quartile AUM (₹175 Cr). Highest AUM (₹10,107 Cr). Lower mid AUM (₹1,467 Cr). Point 2 Established history (22+ yrs). Established history (22+ yrs). Established history (22+ yrs). Oldest track record among peers (25 yrs). Established history (22+ yrs). Point 3 Top rated. Rating: 3★ (bottom quartile). Rating: 3★ (bottom quartile). Rating: 5★ (upper mid). Rating: 5★ (lower mid). Point 4 Risk profile: Moderately High. Risk profile: Moderate. Risk profile: Moderately High. Risk profile: Moderate. Risk profile: Moderately High. Point 5 5Y return: 7.10% (lower mid). 5Y return: 7.23% (upper mid). 5Y return: 6.70% (bottom quartile). 5Y return: 7.40% (top quartile). 5Y return: 6.71% (bottom quartile). Point 6 3Y return: 7.65% (top quartile). 3Y return: 7.63% (upper mid). 3Y return: 7.54% (lower mid). 3Y return: 7.49% (bottom quartile). 3Y return: 7.43% (bottom quartile). Point 7 1Y return: 0.31% (bottom quartile). 1Y return: 3.98% (top quartile). 1Y return: 1.15% (lower mid). 1Y return: 1.55% (upper mid). 1Y return: 0.81% (bottom quartile). Point 8 1M return: -0.54% (bottom quartile). 1M return: -0.17% (top quartile). 1M return: -0.32% (upper mid). 1M return: -0.95% (bottom quartile). 1M return: -0.53% (lower mid). Point 9 Alpha: 0.00 (lower mid). Alpha: 1.70 (top quartile). Alpha: -0.32 (bottom quartile). Alpha: 0.00 (bottom quartile). Alpha: 0.11 (upper mid). Point 10 Sharpe: -0.76 (bottom quartile). Sharpe: 0.01 (top quartile). Sharpe: -0.58 (bottom quartile). Sharpe: -0.26 (upper mid). Sharpe: -0.49 (lower mid). ICICI Prudential MIP 25
Nippon India Hybrid Bond Fund
DSP Regular Savings Fund
SBI Debt Hybrid Fund
Aditya Birla Sun Life Regular Savings Fund
The Scheme seeks to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme. However, there can be no assurance that the investment objectives of the Scheme will be realized. Below is the key information for ICICI Prudential MIP 25 Returns up to 1 year are on (Erstwhile Reliance Monthly Income Plan) The primary investment objective of the Scheme is to generate regular income in order to make regular dividend payments to unit holders and the secondary objective is growth of capital. Research Highlights for Nippon India Hybrid Bond Fund Below is the key information for Nippon India Hybrid Bond Fund Returns up to 1 year are on (Erstwhile DSP BlackRock MIP Fund) The scheme is seeking to generate an attractive return, consistent with prudent risk, from a portfolio which is substantially constituted of quality debt securities. The scheme will also seek to generate capital appreciation by investing a smaller portion of its corpus in equity and equity related securities of the 100 largest corporates by market capitalisation, listed in India. Research Highlights for DSP Regular Savings Fund Below is the key information for DSP Regular Savings Fund Returns up to 1 year are on (Erstwhile SBI Magnum Monthly Income Plan) To provide regular income, liquidity and attractive returns to the investors
through an actively managed portfolio of debt, equity and money market
instruments. Income may be generated through the receipt of coupon payments,
the amortization of the discount on the debt instruments, receipt of dividends or
purchase and sale of securities in the underlying portfolio. Research Highlights for SBI Debt Hybrid Fund Below is the key information for SBI Debt Hybrid Fund Returns up to 1 year are on (Erstwhile Aditya Birla Sun Life MIP II - Wealth 25 Plan) An Open-ended income scheme with the objective to generate regular income so as to make monthly payment or distribution to unit holders with the secondary objective being growth of capital. Monthly Income is not assured and is subject to availability of distributable surplus. Research Highlights for Aditya Birla Sun Life Regular Savings Fund Below is the key information for Aditya Birla Sun Life Regular Savings Fund Returns up to 1 year are on 1. ICICI Prudential MIP 25
ICICI Prudential MIP 25
Growth Launch Date 30 Mar 04 NAV (30 Oct 26) ₹77.7779 ↓ -0.04 (-0.05 %) Net Assets (Cr) ₹3,270 on 30 Sep 26 Category Hybrid - Hybrid Debt AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.72 Sharpe Ratio -0.76 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹10,461 31 Oct 23 ₹11,293 31 Oct 24 ₹12,991 31 Oct 25 ₹14,026 31 Oct 26 ₹14,090 Returns for ICICI Prudential MIP 25
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 26 Duration Returns 1 Month -0.5% 3 Month -1.9% 6 Month 0.4% 1 Year 0.3% 3 Year 7.7% 5 Year 7.1% 10 Year 15 Year Since launch 9.5% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.9% 2024 11.4% 2023 11.4% 2022 5.1% 2021 9.9% 2020 10.9% 2019 9.6% 2018 5.1% 2017 12.9% 2016 10.9% Fund Manager information for ICICI Prudential MIP 25
Name Since Tenure Manish Banthia 19 Sep 13 13.04 Yr. Akhil Kakkar 22 Jan 24 2.69 Yr. Roshan Chutkey 2 May 22 4.42 Yr. Sharmila D'Silva 31 Jul 22 4.17 Yr. Data below for ICICI Prudential MIP 25 as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 6.35% Equity 23.1% Debt 70.24% Other 0.31% Equity Sector Allocation
Sector Value Financial Services 8.23% Consumer Cyclical 3.05% Health Care 2.95% Consumer Defensive 2.12% Basic Materials 1.41% Communication Services 1.25% Industrials 1% Technology 0.98% Utility 0.92% Energy 0.72% Real Estate 0.47% Debt Sector Allocation
Sector Value Corporate 46.56% Government 24.43% Cash Equivalent 5.6% Credit Quality
Rating Value A 2.99% AA 57.8% AAA 39.21% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.94% Govt Stock 2036
Sovereign Bonds | -5% ₹147 Cr 14,964,700
↑ 5,000,000 6.9% Govt Stock 2065
Sovereign Bonds | -4% ₹135 Cr 15,000,000 Adani Enterprises Limited
Debentures | -3% ₹100 Cr 10,000 Manappuram Finance Limited
Debentures | -3% ₹99 Cr 10,000 Godrej Properties Limited
Debentures | -2% ₹75 Cr 7,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹75 Cr 7,500 6.45% Govt Stock 2034
Sovereign Bonds | -2% ₹55 Cr 5,369,910 Vedanta Limited
Debentures | -2% ₹50 Cr 5,000 360 One Prime Limited
Debentures | -2% ₹50 Cr 5,000 Indostar Capital Finance Limited
Debentures | -2% ₹50 Cr 5,000 2. Nippon India Hybrid Bond Fund
Nippon India Hybrid Bond Fund
Growth Launch Date 29 Dec 03 NAV (30 Oct 26) ₹61.8338 ↑ 0.07 (0.12 %) Net Assets (Cr) ₹977 on 30 Sep 26 Category Hybrid - Hybrid Debt AMC Nippon Life Asset Management Ltd. Rating ☆☆☆ Risk Moderate Expense Ratio 1.87 Sharpe Ratio 0.01 Information Ratio 0.37 Alpha Ratio 1.7 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹10,483 31 Oct 23 ₹11,368 31 Oct 24 ₹12,501 31 Oct 25 ₹13,624 31 Oct 26 ₹14,175 Returns for Nippon India Hybrid Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 26 Duration Returns 1 Month -0.2% 3 Month -0.2% 6 Month 2.1% 1 Year 4% 3 Year 7.6% 5 Year 7.2% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 2025 9.7% 2024 7.8% 2023 10.2% 2022 4.8% 2021 10.1% 2020 -8.5% 2019 2.8% 2018 4% 2017 9.3% 2016 9.2% Fund Manager information for Nippon India Hybrid Bond Fund
Name Since Tenure Dhrumil Shah 10 Sep 21 5.06 Yr. Kinjal Desai 29 Dec 03 22.77 Yr. Sushil Budhia 1 Feb 20 6.67 Yr. Akshay Sharma 1 Dec 22 3.84 Yr. Amber Singhania 11 Mar 26 0.56 Yr. Data below for Nippon India Hybrid Bond Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 11.31% Equity 17.23% Debt 70.49% Other 0.98% Equity Sector Allocation
Sector Value Real Estate 5.23% Financial Services 4.25% Industrials 1.64% Consumer Cyclical 1.19% Energy 1.13% Technology 0.89% Basic Materials 0.82% Consumer Defensive 0.71% Health Care 0.6% Utility 0.47% Communication Services 0.31% Debt Sector Allocation
Sector Value Corporate 58.61% Cash Equivalent 11.31% Government 9.02% Securitized 2.86% Credit Quality
Rating Value A 25.53% AA 46.9% AAA 27.57% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.03% Tamilnadu SDL 2030
Sovereign Bonds | -5% ₹49 Cr 5,000,000 Triumph Composites Private Limited
Debentures | -4% ₹40 Cr 4,000 Adani Airport Holdings Limited
Debentures | -4% ₹39 Cr 4,000 Delhi International Airport Limited
Debentures | -4% ₹36 Cr 3,600 GMR Airports Limited
Debentures | -3% ₹34 Cr 3,200 GAursons India Private Limited
Debentures | -3% ₹33 Cr 3,300 10.5% Earlysalary Services Private Limited
Debentures | -3% ₹33 Cr 3,300
↑ 3,300 Muthoot Fincorp Limited
Debentures | -3% ₹30 Cr 30,000 Navi Finserv Limited
Debentures | -3% ₹30 Cr 30,000 Auxilo Finserve Private Limited
Debentures | -3% ₹30 Cr 3,000 3. DSP Regular Savings Fund
DSP Regular Savings Fund
Growth Launch Date 11 Jun 04 NAV (30 Oct 26) ₹60.1796 ↑ 0.04 (0.06 %) Net Assets (Cr) ₹175 on 30 Sep 26 Category Hybrid - Hybrid Debt AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk Moderately High Expense Ratio 1.19 Sharpe Ratio -0.58 Information Ratio 0.46 Alpha Ratio -0.32 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹10,251 31 Oct 23 ₹11,115 31 Oct 24 ₹12,821 31 Oct 25 ₹13,654 31 Oct 26 ₹13,827 Returns for DSP Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 26 Duration Returns 1 Month -0.3% 3 Month -1.4% 6 Month 0.7% 1 Year 1.1% 3 Year 7.5% 5 Year 6.7% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.2% 2024 11% 2023 12% 2022 3.5% 2021 7.8% 2020 9.3% 2019 6.9% 2018 -5.3% 2017 11% 2016 10.7% Fund Manager information for DSP Regular Savings Fund
Name Since Tenure Abhishek Singh 31 May 21 5.34 Yr. Shantanu Godambe 1 Aug 24 2.17 Yr. Data below for DSP Regular Savings Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 17.99% Equity 22.6% Debt 59.41% Equity Sector Allocation
Sector Value Financial Services 9.81% Health Care 2.9% Consumer Cyclical 2.5% Energy 1.68% Consumer Defensive 1.13% Basic Materials 1.07% Technology 1.04% Utility 0.97% Communication Services 0.84% Real Estate 0.47% Industrials 0.18% Debt Sector Allocation
Sector Value Government 51.79% Corporate 21.64% Cash Equivalent 3.97% Credit Quality
Rating Value AA 9.48% AAA 90.52% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.32% Govt Stock 2030
Sovereign Bonds | -12% ₹21 Cr 2,000,000 6.75% Govt Stock 2033
Sovereign Bonds | -9% ₹16 Cr 1,500,000 7.03% Maharashtra Sgs 2038
Sovereign Bonds | -8% ₹14 Cr 1,500,000 7.06% Govt Stock 2028
Sovereign Bonds | -6% ₹10 Cr 1,000,000 6.48% Govt Stock 2035
Sovereign Bonds | -5% ₹9 Cr 1,000,000 Muthoot Finance Limited
Debentures | -4% ₹8 Cr 750 6.64% Govt Stock 2031
Sovereign Bonds | -3% ₹5 Cr 500,000 7.1% Govt Stock 2029
Sovereign Bonds | -3% ₹5 Cr 500,000 5.74% Govt Stock 2026
Sovereign Bonds | -3% ₹5 Cr 500,000 7.02% Govt Stock 2031
Sovereign Bonds | -3% ₹5 Cr 500,000 4. SBI Debt Hybrid Fund
SBI Debt Hybrid Fund
Growth Launch Date 9 Apr 01 NAV (30 Oct 26) ₹75.3581 ↓ -0.17 (-0.22 %) Net Assets (Cr) ₹10,107 on 30 Sep 26 Category Hybrid - Hybrid Debt AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 1.54 Sharpe Ratio -0.26 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹10,524 31 Oct 23 ₹11,516 31 Oct 24 ₹13,223 31 Oct 25 ₹14,061 31 Oct 26 ₹14,290 Returns for SBI Debt Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 26 Duration Returns 1 Month -0.9% 3 Month -1.4% 6 Month 0.9% 1 Year 1.6% 3 Year 7.5% 5 Year 7.4% 10 Year 15 Year Since launch 8.2% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.7% 2024 11% 2023 12.2% 2022 4.5% 2021 14.1% 2020 13.5% 2019 8.1% 2018 -0.2% 2017 8.5% 2016 12.5% Fund Manager information for SBI Debt Hybrid Fund
Name Since Tenure Saurabh Pant 1 Jan 22 4.75 Yr. Mansi Sajeja 30 Jun 21 5.26 Yr. Data below for SBI Debt Hybrid Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 6.86% Equity 23.17% Debt 69.67% Other 0.3% Equity Sector Allocation
Sector Value Financial Services 6.02% Basic Materials 5.99% Industrials 3.1% Health Care 2.9% Consumer Cyclical 2.03% Consumer Defensive 1.95% Energy 1.08% Technology 0.1% Debt Sector Allocation
Sector Value Corporate 63.03% Government 8.23% Cash Equivalent 5.26% Credit Quality
Rating Value AA 48.74% AAA 51.26% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -3% ₹319 Cr 32,500 Adani Power Limited
Debentures | -3% ₹299 Cr 30,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹297 Cr 27,500 Rec Limited
Debentures | -3% ₹269 Cr 27,500
↑ 5,000 Torrent Power Limited
Debentures | -2% ₹248 Cr 25,000 Bajaj Housing Finance Limited
Debentures | -2% ₹245 Cr 25,000 The Tata Power Company Limited
Debentures | -2% ₹245 Cr 25,000 Jsw Jfe Kalinga Steel Limited
Debentures | -2% ₹234 Cr 22,500 Aditya Birla Renewables Limited
Debentures | -2% ₹225 Cr 22,500 LIC Housing Finance Ltd
Debentures | -2% ₹224 Cr 22,500 5. Aditya Birla Sun Life Regular Savings Fund
Aditya Birla Sun Life Regular Savings Fund
Growth Launch Date 22 May 04 NAV (30 Oct 26) ₹69.0592 ↑ 0.02 (0.02 %) Net Assets (Cr) ₹1,467 on 30 Sep 26 Category Hybrid - Hybrid Debt AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.86 Sharpe Ratio -0.49 Information Ratio 0.28 Alpha Ratio 0.11 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-365 Days (1%),365 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹10,496 31 Oct 23 ₹11,149 31 Oct 24 ₹12,719 31 Oct 25 ₹13,709 31 Oct 26 ₹13,837 Returns for Aditya Birla Sun Life Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Oct 26 Duration Returns 1 Month -0.5% 3 Month -1.8% 6 Month 0.7% 1 Year 0.8% 3 Year 7.4% 5 Year 6.7% 10 Year 15 Year Since launch 9% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.1% 2024 10.5% 2023 9.6% 2022 5.3% 2021 13.4% 2020 9.2% 2019 5.8% 2018 -2.2% 2017 15.5% 2016 13.1% Fund Manager information for Aditya Birla Sun Life Regular Savings Fund
Name Since Tenure Mohit Sharma 31 Oct 24 1.92 Yr. Harshil Suvarnkar 22 Mar 21 5.53 Yr. Data below for Aditya Birla Sun Life Regular Savings Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 5.69% Equity 22.65% Debt 71.31% Other 0.35% Equity Sector Allocation
Sector Value Financial Services 7.83% Health Care 2.62% Consumer Cyclical 2.26% Industrials 1.96% Basic Materials 1.87% Real Estate 1.43% Technology 1.23% Communication Services 1.14% Utility 0.9% Consumer Defensive 0.8% Energy 0.62% Debt Sector Allocation
Sector Value Corporate 51.33% Government 21.15% Cash Equivalent 4.52% Credit Quality
Rating Value A 1.87% AA 37.41% AAA 60.72% Top Securities Holdings / Portfolio
Name Holding Value Quantity Cholamandalam Investment And Finance Company Limited
Debentures | -4% ₹54 Cr 5,500 Muthoot Finance Limited
Debentures | -3% ₹50 Cr 5,000 Tata Capital Housing Finance Limited
Debentures | -3% ₹49 Cr 4,982 6.75% Govt Stock 2033
Sovereign Bonds | -3% ₹47 Cr 4,500,000
↑ 1,500,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹47 Cr 4,316 National Bank For Agriculture And Rural Development
Debentures | -3% ₹37 Cr 3,750 Adani Power Limited
Debentures | -2% ₹35 Cr 3,500 State Government Securities (14/10/2051)
Sovereign Bonds | -2% ₹30 Cr 3,000,000
↑ 3,000,000 Nuvama Wealth Finance Limited
Debentures | -2% ₹30 Cr 3,000 Bharti Telecom Limited
Debentures | -2% ₹30 Cr 3,000
Research Highlights for ICICI Prudential MIP 25