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 (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity ICICI Prudential MIP 25 Growth ₹78.0395
↑ 0.01 ₹3,359 100 0.4 2.3 8.8 10.3 7.9 7.6% 2Y 2M 16D 4Y 6M 22D Kotak Debt Hybrid Fund Growth ₹59.6162
↑ 0.02 ₹3,108 1,000 0.6 2.8 6.9 10.1 5.3 7.44% 7Y 5M 8D 19Y 11D SBI Debt Hybrid Fund Growth ₹74.8487
↑ 0.11 ₹9,851 500 0.5 2.8 9.3 10.1 6.7 7.48% 3Y 5M 16D 4Y 2M 16D HDFC Hybrid Debt Fund Growth ₹83.9033
↑ 0.02 ₹3,354 300 0.8 2.7 6.9 10 5.5 7.1% 6Y 3M 7D 12Y 4M 20D DSP Regular Savings Fund Growth ₹60.1317
↑ 0.08 ₹184 500 0.7 2.4 8.1 9.9 7.2 6.3% 2Y 9M 11D 4Y 10M 2D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Feb 26 Research Highlights & Commentary of 5 Funds showcased
Commentary ICICI Prudential MIP 25 Kotak Debt Hybrid Fund SBI Debt Hybrid Fund HDFC Hybrid Debt Fund DSP Regular Savings Fund Point 1 Upper mid AUM (₹3,359 Cr). Bottom quartile AUM (₹3,108 Cr). Highest AUM (₹9,851 Cr). Lower mid AUM (₹3,354 Cr). Bottom quartile AUM (₹184 Cr). Point 2 Established history (21+ yrs). Established history (22+ yrs). Oldest track record among peers (24 yrs). Established history (22+ yrs). Established history (21+ yrs). Point 3 Top rated. Rating: 4★ (lower mid). Rating: 5★ (upper mid). Rating: 4★ (bottom quartile). Rating: 3★ (bottom quartile). Point 4 Risk profile: Moderately High. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 8.78% (bottom quartile). 5Y return: 9.00% (lower mid). 5Y return: 9.26% (top quartile). 5Y return: 9.21% (upper mid). 5Y return: 8.01% (bottom quartile). Point 6 3Y return: 10.30% (top quartile). 3Y return: 10.12% (upper mid). 3Y return: 10.09% (lower mid). 3Y return: 9.98% (bottom quartile). 3Y return: 9.92% (bottom quartile). Point 7 1Y return: 8.82% (upper mid). 1Y return: 6.89% (bottom quartile). 1Y return: 9.32% (top quartile). 1Y return: 6.89% (bottom quartile). 1Y return: 8.10% (lower mid). Point 8 1M return: 0.45% (bottom quartile). 1M return: 0.76% (lower mid). 1M return: 1.05% (top quartile). 1M return: 0.96% (upper mid). 1M return: 0.34% (bottom quartile). Point 9 Alpha: 0.00 (upper mid). Alpha: -2.43 (bottom quartile). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Alpha: 0.01 (top quartile). Point 10 Sharpe: 0.57 (top quartile). Sharpe: -0.12 (bottom quartile). Sharpe: 0.16 (lower mid). Sharpe: -0.09 (bottom quartile). Sharpe: 0.33 (upper mid). ICICI Prudential MIP 25
Kotak Debt Hybrid Fund
SBI Debt Hybrid Fund
HDFC Hybrid Debt Fund
DSP 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 Kotak Monthly Income Plan) To enhance returns over a portfolio of debt instruments with a moderate exposure in equity and equity related instruments. Research Highlights for Kotak Debt Hybrid Fund Below is the key information for Kotak Debt Hybrid 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 HDFC MF Monthly Income Plan - LTP) The primary objective of Scheme is to generate regular returns through investment primarily in Debt and Money Market Instruments. The secondary objective of the Scheme is to generate long-term capital appreciation by investing a portion of the Scheme`s assets in equity and equity related instruments. However, there can be no assurance that the investment objective of the Scheme will be achieved. Research Highlights for HDFC Hybrid Debt Fund Below is the key information for HDFC Hybrid Debt 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 1. ICICI Prudential MIP 25
ICICI Prudential MIP 25
Growth Launch Date 30 Mar 04 NAV (18 Feb 26) ₹78.0395 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹3,359 on 31 Dec 25 Category Hybrid - Hybrid Debt AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.67 Sharpe Ratio 0.57 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 Jan 21 ₹10,000 31 Jan 22 ₹11,101 31 Jan 23 ₹11,552 31 Jan 24 ₹13,035 31 Jan 25 ₹14,343 31 Jan 26 ₹15,432 Returns for ICICI Prudential MIP 25
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26 Duration Returns 1 Month 0.5% 3 Month 0.4% 6 Month 2.3% 1 Year 8.8% 3 Year 10.3% 5 Year 8.8% 10 Year 15 Year Since launch 9.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.9% 2023 11.4% 2022 11.4% 2021 5.1% 2020 9.9% 2019 10.9% 2018 9.6% 2017 5.1% 2016 12.9% 2015 10.9% Fund Manager information for ICICI Prudential MIP 25
Name Since Tenure Manish Banthia 19 Sep 13 12.38 Yr. Akhil Kakkar 22 Jan 24 2.03 Yr. Roshan Chutkey 2 May 22 3.76 Yr. Sharmila D’mello 31 Jul 22 3.51 Yr. Data below for ICICI Prudential MIP 25 as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 12.24% Equity 23.73% Debt 63.74% Other 0.29% Equity Sector Allocation
Sector Value Financial Services 6.57% Consumer Cyclical 3.18% Technology 2.28% Health Care 2.12% Consumer Defensive 1.93% Communication Services 1.89% Real Estate 1.47% Energy 1.23% Industrials 1.2% Utility 1.19% Basic Materials 0.66% Debt Sector Allocation
Sector Value Corporate 45.25% Government 22.08% Cash Equivalent 8.64% Credit Quality
Rating Value A 7.37% AA 42.78% AAA 49.85% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.68% Gs 2040
Sovereign Bonds | -5% ₹159 Cr 16,464,700 6.90% Gs 2065
Sovereign Bonds | -4% ₹140 Cr 15,000,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹100 Cr 10,000 Manappuram Finance Limited
Debentures | -3% ₹100 Cr 10,000 Adani Enterprises Limited
Debentures | -3% ₹99 Cr 10,000 L&T Metro Rail (Hyderabad) Limited
Debentures | -2% ₹80 Cr 800 Goi Frb 2034
Sovereign Bonds | -2% ₹75 Cr 7,409,560 360 One Prime Limited
Debentures | -2% ₹75 Cr 7,500 Yes Bank Limited
Debentures | -2% ₹64 Cr 650 Godrej Properties Limited
Debentures | -2% ₹51 Cr 5,000 2. Kotak Debt Hybrid Fund
Kotak Debt Hybrid Fund
Growth Launch Date 2 Dec 03 NAV (18 Feb 26) ₹59.6162 ↑ 0.02 (0.03 %) Net Assets (Cr) ₹3,108 on 31 Dec 25 Category Hybrid - Hybrid Debt AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.68 Sharpe Ratio -0.12 Information Ratio 0.56 Alpha Ratio -2.43 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹11,345 31 Jan 23 ₹11,759 31 Jan 24 ₹13,626 31 Jan 25 ₹14,886 31 Jan 26 ₹15,572 Returns for Kotak Debt Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26 Duration Returns 1 Month 0.8% 3 Month 0.6% 6 Month 2.8% 1 Year 6.9% 3 Year 10.1% 5 Year 9% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 5.3% 2023 11.4% 2022 13.9% 2021 4.3% 2020 13.3% 2019 13.9% 2018 11.2% 2017 -0.1% 2016 10.2% 2015 13% Fund Manager information for Kotak Debt Hybrid Fund
Name Since Tenure Abhishek Bisen 1 Apr 08 17.85 Yr. Shibani Kurian 3 Sep 24 1.41 Yr. Data below for Kotak Debt Hybrid Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 18.3% Equity 23.55% Debt 57.86% Other 0.29% Equity Sector Allocation
Sector Value Financial Services 6.96% Consumer Cyclical 2.78% Technology 2.4% Health Care 1.88% Industrials 1.56% Communication Services 1.51% Consumer Defensive 1.43% Energy 1.41% Basic Materials 1.38% Utility 1.23% Real Estate 1.03% Debt Sector Allocation
Sector Value Government 37.76% Corporate 20.91% Cash Equivalent 17.49% Credit Quality
Rating Value A 0.02% AA 20.28% AAA 79.7% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Gs 2064
Sovereign Bonds | -15% ₹445 Cr 44,958,000
↓ -4,710,400 7.30% Gs 2053
Sovereign Bonds | -5% ₹139 Cr 13,979,980
↓ -7,000,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹103 Cr 10,000 Punjab National Bank
Domestic Bonds | -3% ₹99 Cr 10,000
↑ 10,000 7.09% Gs 2074
Sovereign Bonds | -3% ₹93 Cr 9,665,060
↓ -3,584,940 SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -2% ₹75 Cr 75 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -2% ₹75 Cr 75 National Housing Bank
Debentures | -2% ₹58 Cr 6,000 6.90% Gs 2065
Sovereign Bonds | -2% ₹56 Cr 5,980,000
↓ -1,500,000 Telangana State Industrial Infrastructure Corporation Limited
Debentures | -2% ₹49 Cr 4,850 3. SBI Debt Hybrid Fund
SBI Debt Hybrid Fund
Growth Launch Date 9 Apr 01 NAV (18 Feb 26) ₹74.8487 ↑ 0.11 (0.15 %) Net Assets (Cr) ₹9,851 on 31 Dec 25 Category Hybrid - Hybrid Debt AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 1.23 Sharpe Ratio 0.16 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 Jan 21 ₹10,000 31 Jan 22 ₹11,345 31 Jan 23 ₹11,903 31 Jan 24 ₹13,533 31 Jan 25 ₹14,736 31 Jan 26 ₹15,701 Returns for SBI Debt Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26 Duration Returns 1 Month 1% 3 Month 0.5% 6 Month 2.8% 1 Year 9.3% 3 Year 10.1% 5 Year 9.3% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.7% 2023 11% 2022 12.2% 2021 4.5% 2020 14.1% 2019 13.5% 2018 8.1% 2017 -0.2% 2016 8.5% 2015 12.5% Fund Manager information for SBI Debt Hybrid Fund
Name Since Tenure Saurabh Pant 1 Jan 22 4.09 Yr. Mansi Sajeja 30 Jun 21 4.59 Yr. Milind Agrawal 1 Aug 25 0.5 Yr. Data below for SBI Debt Hybrid Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 6.41% Equity 23.09% Debt 70.21% Other 0.3% Equity Sector Allocation
Sector Value Financial Services 6.14% Basic Materials 5.36% Industrials 4% Consumer Cyclical 2.35% Health Care 2.03% Consumer Defensive 1.89% Energy 1.32% Debt Sector Allocation
Sector Value Corporate 58.25% Government 11.96% Cash Equivalent 6.41% Credit Quality
Rating Value A 2.61% AA 49.85% AAA 47.54% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Gs 2033
Sovereign Bonds | -3% ₹308 Cr 30,000,000 TATA Power Renewable Energy Limited
Debentures | -3% ₹307 Cr 30,000 Aditya Birla Renewables Limited
Debentures | -3% ₹301 Cr 30,000 Infopark Properties Limited
Debentures | -3% ₹300 Cr 30,000 Adani Power Limited
Debentures | -3% ₹299 Cr 30,000
↑ 30,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹258 Cr 25,000 Bajaj Finance Limited
Debentures | -3% ₹252 Cr 25,000 LIC Housing Finance Ltd
Debentures | -2% ₹225 Cr 22,500 7.24% Gs 2055
Sovereign Bonds | -2% ₹222 Cr 22,500,000
↑ 22,500,000 Cholamandalam Investment And Finance Company Limited
Debentures | -2% ₹205 Cr 20,000 4. HDFC Hybrid Debt Fund
HDFC Hybrid Debt Fund
Growth Launch Date 26 Dec 03 NAV (18 Feb 26) ₹83.9033 ↑ 0.02 (0.02 %) Net Assets (Cr) ₹3,354 on 31 Dec 25 Category Hybrid - Hybrid Debt AMC HDFC Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.76 Sharpe Ratio -0.09 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹11,405 31 Jan 23 ₹12,007 31 Jan 24 ₹13,873 31 Jan 25 ₹15,069 31 Jan 26 ₹15,838 Returns for HDFC Hybrid Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26 Duration Returns 1 Month 1% 3 Month 0.8% 6 Month 2.7% 1 Year 6.9% 3 Year 10% 5 Year 9.2% 10 Year 15 Year Since launch 10.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 5.5% 2023 10.5% 2022 13.9% 2021 6% 2020 13.4% 2019 10.2% 2018 6.6% 2017 0.6% 2016 10.8% 2015 13% Fund Manager information for HDFC Hybrid Debt Fund
Name Since Tenure Shobhit Mehrotra 1 Sep 07 18.43 Yr. Srinivasan Ramamurthy 14 Dec 21 4.13 Yr. Dhruv Muchhal 22 Jun 23 2.61 Yr. Data below for HDFC Hybrid Debt Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 3.16% Equity 21.52% Debt 75.03% Other 0.29% Equity Sector Allocation
Sector Value Financial Services 8.94% Energy 2.52% Technology 2.21% Industrials 1.59% Health Care 1.58% Utility 1.39% Consumer Cyclical 1.01% Communication Services 0.98% Real Estate 0.65% Consumer Defensive 0.48% Basic Materials 0.16% Debt Sector Allocation
Sector Value Government 51.5% Corporate 23.54% Cash Equivalent 3.16% Credit Quality
Rating Value AA 3.64% AAA 96.36% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Gs 2064
Sovereign Bonds | -4% ₹138 Cr 14,000,000 7.09% Gs 2054
Sovereign Bonds | -3% ₹111 Cr 11,500,000 Goi Frb 2034
Sovereign Bonds | -3% ₹102 Cr 10,000,000 7.23% Gs 2039
Sovereign Bonds | -3% ₹101 Cr 10,000,000 Indian Railway Finance Corporation Limited
Debentures | -2% ₹82 Cr 800 7.30% Gs 2053
Sovereign Bonds | -2% ₹74 Cr 7,500,000
↓ -1,000,000 7.18% Gs 2037
Sovereign Bonds | -2% ₹71 Cr 7,000,000 6.79% Gs 2034
Sovereign Bonds | -2% ₹70 Cr 7,000,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK2% ₹68 Cr 500,000 6.33% Gs 2035
Sovereign Bonds | -2% ₹66 Cr 6,739,400 5. DSP Regular Savings Fund
DSP Regular Savings Fund
Growth Launch Date 11 Jun 04 NAV (18 Feb 26) ₹60.1317 ↑ 0.08 (0.13 %) Net Assets (Cr) ₹184 on 31 Dec 25 Category Hybrid - Hybrid Debt AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk Moderately High Expense Ratio 1.12 Sharpe Ratio 0.33 Information Ratio 0.67 Alpha Ratio 0.01 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 Jan 21 ₹10,000 31 Jan 22 ₹10,924 31 Jan 23 ₹11,189 31 Jan 24 ₹12,574 31 Jan 25 ₹13,868 31 Jan 26 ₹14,835 Returns for DSP Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26 Duration Returns 1 Month 0.3% 3 Month 0.7% 6 Month 2.4% 1 Year 8.1% 3 Year 9.9% 5 Year 8% 10 Year 15 Year Since launch 8.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.2% 2023 11% 2022 12% 2021 3.5% 2020 7.8% 2019 9.3% 2018 6.9% 2017 -5.3% 2016 11% 2015 10.7% Fund Manager information for DSP Regular Savings Fund
Name Since Tenure Abhishek Singh 31 May 21 4.67 Yr. Shantanu Godambe 1 Aug 24 1.5 Yr. Data below for DSP Regular Savings Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 16.17% Equity 19.11% Debt 63.59% Other 1.13% Equity Sector Allocation
Sector Value Financial Services 9.52% Health Care 2.36% Consumer Cyclical 1.54% Technology 1.25% Utility 1.16% Consumer Defensive 0.93% Energy 0.78% Basic Materials 0.68% Industrials 0.51% Communication Services 0.37% Debt Sector Allocation
Sector Value Government 59.45% Cash Equivalent 11.06% Corporate 9.25% Credit Quality
Rating Value AA 5.89% AAA 94.11% Top Securities Holdings / Portfolio
Name Holding Value Quantity Goi Floating Rate Bond 2033
Sovereign Bonds | -12% ₹21 Cr 2,000,000 7.32% Gs 2030
Sovereign Bonds | -12% ₹21 Cr 2,000,000 7.03% Maharashtra Sgs 2038
Sovereign Bonds | -8% ₹15 Cr 1,500,000
↑ 1,500,000 7.06% Gs 2028
Sovereign Bonds | -6% ₹10 Cr 1,000,000 6.33% Gs 2035
Sovereign Bonds | -5% ₹10 Cr 1,000,000 Muthoot Finance Limited
Debentures | -4% ₹8 Cr 750 7.37% Gs 2028
Sovereign Bonds | -3% ₹5 Cr 500,000 7.10% Gs 2029
Sovereign Bonds | -3% ₹5 Cr 500,000 7.10% Gs 2034
Sovereign Bonds | -3% ₹5 Cr 500,000 Goi Floating Rate Bond 2031
Sovereign Bonds | -3% ₹5 Cr 500,000
Research Highlights for ICICI Prudential MIP 25