8 बेस्ट बैलेंस्ड म्यूचुअल फंड एसआईपी 2022

Updated on October 28, 2026 , 1997 views

शीर्षबैलेंस्ड फंड हैंम्यूचुअल फंड्स जो अपनी संपत्ति का 65% से अधिक निवेश करते हैंइक्विटीज और ऋण उपकरणों में शेष संपत्ति अच्छा समग्र रिटर्न प्राप्त करने के लिए। बैलेंस्ड म्युचुअल फंड उन निवेशकों के लिए फायदेमंद होते हैं जो एक लेने के इच्छुक हैंमंडी कुछ निश्चित रिटर्न की तलाश में भी जोखिम। इक्विटी और स्टॉक में निवेश की गई संपत्ति बाजार से जुड़े रिटर्न की पेशकश करती है जबकि डेट इंस्ट्रूमेंट में निवेश की गई संपत्ति निश्चित रिटर्न देती है। इक्विटी और डेट दोनों का संयोजन होने के कारण, निवेशकों को बहुत सावधान रहना चाहिए जबनिवेश इन निधियों में। निवेशकों को सलाह दी जाती है कि बैलेंस्ड म्यूचुअल फंड में निवेश करने से पहले शीर्ष बैलेंस्ड फंड देखें। हमने नीचे शीर्ष संतुलित म्यूचुअल फंड सूचीबद्ध किए हैं।

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भारत में एसआईपी निवेश के लिए शीर्ष 8 बैलेंस्ड म्यूचुअल फंड 2022 - 2023

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
Sundaram Equity Hybrid Fund Growth	₹135.137 ↑ 0.78	₹1,954	0.5	10.5	27.1	16	14.2
IDBI Hybrid Equity Fund Growth	₹17.1253 ↓ -0.01	₹179	7.8	9.8	12.1	14.4	7.1
Baroda Pioneer Hybrid Equity Fund Growth	₹81.2894 ↑ 0.36	₹389	-3.5	-0.8	14.8	14.3	11.2
BOI AXA Mid and Small Cap Equity and Debt Fund Growth	₹40.53 ↓ -0.57	₹2,196	-2.7	1.3	5.2	14	12.3	-0.9
SBI Multi Asset Allocation Fund Growth	₹64.1572 ↑ 0.27	₹21,044	-3.7	-2.8	1.7	12.9	11.6	18.6
Bandhan Hybrid Equity Fund Growth	₹27.032 ↓ -0.02	₹2,663	-2.7	2.1	-0.3	12.8	9.4	7.7
UTI Multi Asset Fund Growth	₹74.9292 ↓ -0.03	₹6,634	-5.1	-3	-3.4	12.5	11.2	11.1
Axis Triple Advantage Fund Growth	₹43.3048 ↑ 0.16	₹2,616	-3	-0.8	0.9	12.4	6.9	15.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Dec 21

Research Highlights & Commentary of 8 Funds showcased

Commentary	Sundaram Equity Hybrid Fund	IDBI Hybrid Equity Fund	Baroda Pioneer Hybrid Equity Fund	BOI AXA Mid and Small Cap Equity and Debt Fund	SBI Multi Asset Allocation Fund	Bandhan Hybrid Equity Fund	UTI Multi Asset Fund	Axis Triple Advantage Fund
Point 1	Lower mid AUM (₹1,954 Cr).	Bottom quartile AUM (₹179 Cr).	Bottom quartile AUM (₹389 Cr).	Lower mid AUM (₹2,196 Cr).	Highest AUM (₹21,044 Cr).	Upper mid AUM (₹2,663 Cr).	Top quartile AUM (₹6,634 Cr).	Upper mid AUM (₹2,616 Cr).
Point 2	Oldest track record among peers (26 yrs).	Established history (10+ yrs).	Established history (23+ yrs).	Established history (10+ yrs).	Established history (20+ yrs).	Established history (9+ yrs).	Established history (18+ yrs).	Established history (16+ yrs).
Point 3	Rating: 2★ (upper mid).	Not Rated.	Rating: 3★ (top quartile).	Not Rated.	Top rated.	Not Rated.	Rating: 1★ (lower mid).	Rating: 2★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 14.20% (top quartile).	5Y return: 7.09% (bottom quartile).	5Y return: 11.17% (lower mid).	5Y return: 12.34% (top quartile).	5Y return: 11.56% (upper mid).	5Y return: 9.41% (lower mid).	5Y return: 11.20% (upper mid).	5Y return: 6.95% (bottom quartile).
Point 6	3Y return: 16.03% (top quartile).	3Y return: 14.43% (top quartile).	3Y return: 14.26% (upper mid).	3Y return: 13.98% (upper mid).	3Y return: 12.94% (lower mid).	3Y return: 12.81% (lower mid).	3Y return: 12.50% (bottom quartile).	3Y return: 12.40% (bottom quartile).
Point 7	1Y return: 27.10% (top quartile).	1Y return: 12.06% (upper mid).	1Y return: 14.82% (top quartile).	1Y return: 5.22% (upper mid).	1Y return: 1.73% (lower mid).	1Y return: -0.30% (bottom quartile).	1Y return: -3.40% (bottom quartile).	1Y return: 0.93% (lower mid).
Point 8	1M return: 1.80% (top quartile).	1M return: 2.10% (top quartile).	1M return: -2.79% (bottom quartile).	1M return: -4.79% (bottom quartile).	1M return: -2.08% (lower mid).	1M return: -0.32% (upper mid).	1M return: -1.26% (lower mid).	1M return: -1.09% (upper mid).
Point 9	Alpha: 5.81 (upper mid).	Alpha: -0.26 (bottom quartile).	Alpha: 6.53 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 6.68 (top quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 2.64 (top quartile).	Sharpe: 1.03 (upper mid).	Sharpe: 2.59 (top quartile).	Sharpe: 0.54 (upper mid).	Sharpe: 0.21 (lower mid).	Sharpe: 0.01 (bottom quartile).	Sharpe: -0.17 (bottom quartile).	Sharpe: 0.09 (lower mid).

Sundaram Equity Hybrid Fund

Lower mid AUM (₹1,954 Cr).
Oldest track record among peers (26 yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 14.20% (top quartile).
3Y return: 16.03% (top quartile).
1Y return: 27.10% (top quartile).
1M return: 1.80% (top quartile).
Alpha: 5.81 (upper mid).
Sharpe: 2.64 (top quartile).

IDBI Hybrid Equity Fund

Bottom quartile AUM (₹179 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 7.09% (bottom quartile).
3Y return: 14.43% (top quartile).
1Y return: 12.06% (upper mid).
1M return: 2.10% (top quartile).
Alpha: -0.26 (bottom quartile).
Sharpe: 1.03 (upper mid).

Baroda Pioneer Hybrid Equity Fund

Bottom quartile AUM (₹389 Cr).
Established history (23+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 11.17% (lower mid).
3Y return: 14.26% (upper mid).
1Y return: 14.82% (top quartile).
1M return: -2.79% (bottom quartile).
Alpha: 6.53 (top quartile).
Sharpe: 2.59 (top quartile).

BOI AXA Mid and Small Cap Equity and Debt Fund

Lower mid AUM (₹2,196 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 12.34% (top quartile).
3Y return: 13.98% (upper mid).
1Y return: 5.22% (upper mid).
1M return: -4.79% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.54 (upper mid).

SBI Multi Asset Allocation Fund

Highest AUM (₹21,044 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 11.56% (upper mid).
3Y return: 12.94% (lower mid).
1Y return: 1.73% (lower mid).
1M return: -2.08% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.21 (lower mid).

Bandhan Hybrid Equity Fund

Upper mid AUM (₹2,663 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 9.41% (lower mid).
3Y return: 12.81% (lower mid).
1Y return: -0.30% (bottom quartile).
1M return: -0.32% (upper mid).
Alpha: 6.68 (top quartile).
Sharpe: 0.01 (bottom quartile).

UTI Multi Asset Fund

Top quartile AUM (₹6,634 Cr).
Established history (18+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 11.20% (upper mid).
3Y return: 12.50% (bottom quartile).
1Y return: -3.40% (bottom quartile).
1M return: -1.26% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.17 (bottom quartile).

Axis Triple Advantage Fund

Upper mid AUM (₹2,616 Cr).
Established history (16+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 6.95% (bottom quartile).
3Y return: 12.40% (bottom quartile).
1Y return: 0.93% (lower mid).
1M return: -1.09% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.09 (lower mid).

1. Sundaram Equity Hybrid Fund

(Erstwhile Sundaram Balanced Fund)

The scheme seeks to generate capital appreciation and current income through a judicious mix of investments in equities and fixed income securities.

Research Highlights for Sundaram Equity Hybrid Fund

Lower mid AUM (₹1,954 Cr).
Oldest track record among peers (26 yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 14.20% (top quartile).
3Y return: 16.03% (top quartile).
1Y return: 27.10% (top quartile).
1M return: 1.80% (top quartile).
Alpha: 5.81 (upper mid).
Sharpe: 2.64 (top quartile).
Information ratio: -0.12 (bottom quartile).

Below is the key information for Sundaram Equity Hybrid Fund

Sundaram Equity Hybrid Fund Growth
Launch Date	23 Jun 00
NAV (31 Dec 21)	₹135.137 ↑ 0.78 (0.58 %)
Net Assets (Cr)	₹1,954 on 30 Nov 21
Category	Hybrid - Hybrid Equity
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆
Risk	Moderately High
Expense Ratio	2.18
Sharpe Ratio	2.64
Information Ratio	-0.12
Alpha Ratio	5.81
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

Sundaram Equity Hybrid 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 Sundaram Equity Hybrid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	1.8%
3 Month	0.5%
6 Month	10.5%
1 Year	27.1%
3 Year	16%
5 Year	14.2%
10 Year
15 Year
Since launch	12.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

Fund Manager information for Sundaram Equity Hybrid Fund

Name	Since	Tenure

Data below for Sundaram Equity Hybrid Fund as on 30 Nov 21

Asset Allocation

Asset Class	Value

Equity Sector Allocation

Sector	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

2. IDBI Hybrid Equity Fund

(Erstwhile IDBI Prudence Fund)

The investment objective of the scheme would be to generate opportunities for capital appreciation along with income by investing in a diversified basket of equity and equity related instruments, debt and money market instruments. However, there can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for IDBI Hybrid Equity Fund

Bottom quartile AUM (₹179 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 7.09% (bottom quartile).
3Y return: 14.43% (top quartile).
1Y return: 12.06% (upper mid).
1M return: 2.10% (top quartile).
Alpha: -0.26 (bottom quartile).
Sharpe: 1.03 (upper mid).
Information ratio: -1.03 (bottom quartile).

Below is the key information for IDBI Hybrid Equity Fund

IDBI Hybrid Equity Fund Growth
Launch Date	24 Oct 16
NAV (28 Jul 23)	₹17.1253 ↓ -0.01 (-0.05 %)
Net Assets (Cr)	₹179 on 30 Jun 23
Category	Hybrid - Hybrid Equity
AMC	IDBI Asset Management Limited
Rating	Not Rated
Risk	Moderately High
Expense Ratio	2.52
Sharpe Ratio	1.03
Information Ratio	-1.03
Alpha Ratio	-0.26
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value

IDBI Hybrid Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹367,070.
Net Profit of ₹67,070 Invest Now

Returns for IDBI Hybrid 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 31 Dec 21

Duration	Returns
1 Month	2.1%
3 Month	7.8%
6 Month	9.8%
1 Year	12.1%
3 Year	14.4%
5 Year	7.1%
10 Year
15 Year
Since launch	8.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

Fund Manager information for IDBI Hybrid Equity Fund

Name	Since	Tenure

Data below for IDBI Hybrid Equity Fund as on 30 Jun 23

Asset Allocation

Asset Class	Value

Equity Sector Allocation

Sector	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

3. Baroda Pioneer Hybrid Equity Fund

(Erstwhile Baroda Pioneer Balance Fund)

The scheme is targeted for long-term capital appreciation along with stability through a well balanced portfolio comprising of equity,equity related instruments, money market instrument and debt securities.

Research Highlights for Baroda Pioneer Hybrid Equity Fund

Bottom quartile AUM (₹389 Cr).
Established history (23+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately High.
5Y return: 11.17% (lower mid).
3Y return: 14.26% (upper mid).
1Y return: 14.82% (top quartile).
1M return: -2.79% (bottom quartile).
Alpha: 6.53 (top quartile).
Sharpe: 2.59 (top quartile).
Information ratio: -0.07 (lower mid).

Below is the key information for Baroda Pioneer Hybrid Equity Fund

Baroda Pioneer Hybrid Equity Fund Growth
Launch Date	12 Sep 03
NAV (11 Mar 22)	₹81.2894 ↑ 0.36 (0.45 %)
Net Assets (Cr)	₹389 on 31 Jan 22
Category	Hybrid - Hybrid Equity
AMC	Baroda Pioneer Asset Management Co. Ltd.
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.48
Sharpe Ratio	2.59
Information Ratio	-0.07
Alpha Ratio	6.53
Min Investment	5,000
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

Baroda Pioneer Hybrid Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518 Invest Now

Returns for Baroda Pioneer Hybrid 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 31 Dec 21

Duration	Returns
1 Month	-2.8%
3 Month	-3.5%
6 Month	-0.8%
1 Year	14.8%
3 Year	14.3%
5 Year	11.2%
10 Year
15 Year
Since launch	12%

Historical performance (Yearly) on absolute basis

Year	Returns
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

Fund Manager information for Baroda Pioneer Hybrid Equity Fund

Name	Since	Tenure

Data below for Baroda Pioneer Hybrid Equity Fund as on 31 Jan 22

Asset Allocation

Asset Class	Value

Equity Sector Allocation

Sector	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

4. BOI AXA Mid and Small Cap Equity and Debt Fund

(Erstwhile BOI AXA Mid Cap Equity And Debt Fund)

The scheme's objective is to provide capital appreciation and income distribution to investors from a portfolio constituting of mid cap equity and equity related securities as well as fixed income securities.However there can be no assurance that the investment objectives of the Scheme will be realized

Research Highlights for BOI AXA Mid and Small Cap Equity and Debt Fund

Lower mid AUM (₹2,196 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 12.34% (top quartile).
3Y return: 13.98% (upper mid).
1Y return: 5.22% (upper mid).
1M return: -4.79% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.54 (upper mid).
Information ratio: 0.00 (top quartile).
Top sector: Financial Services.
Top bond sector: Corporate.
Equity-heavy allocation (~70%).
High-quality debt (AAA/AA ~100%).
Largest holding Bank of Maharashtra (~3.3%).

Below is the key information for BOI AXA Mid and Small Cap Equity and Debt Fund

BOI AXA Mid and Small Cap Equity and Debt Fund Growth
Launch Date	20 Jul 16
NAV (30 Oct 26)	₹40.53 ↓ -0.57 (-1.39 %)
Net Assets (Cr)	₹2,196 on 30 Sep 26
Category	Hybrid - Hybrid Equity
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	2.04
Sharpe Ratio	0.54
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)

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹9,921
30 Sep 23	₹12,415
30 Sep 24	₹17,307
30 Sep 25	₹16,534
30 Sep 26	₹18,795

BOI AXA Mid and Small Cap Equity and Debt Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684 Invest Now

Returns for BOI AXA Mid and Small Cap Equity and Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	-4.8%
3 Month	-2.7%
6 Month	1.3%
1 Year	5.2%
3 Year	14%
5 Year	12.3%
10 Year
15 Year
Since launch	14.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	-0.9%
2024	25.8%
2023	33.7%
2022	-4.8%
2021	54.5%
2020	31.1%
2019	-4.7%
2018	-14.2%
2017	47.1%
2016

Fund Manager information for BOI AXA Mid and Small Cap Equity and Debt Fund

Name	Since	Tenure
Alok Singh	16 Feb 17	9.63 Yr.

Data below for BOI AXA Mid and Small Cap Equity and Debt Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	15.42%
Equity	70.02%
Debt	14.56%

Equity Sector Allocation

Sector	Value
Financial Services	15.69%
Industrials	14.08%
Health Care	9.62%
Technology	9.52%
Basic Materials	7.21%
Consumer Cyclical	7.15%
Consumer Defensive	3.54%
Energy	1.04%
Real Estate	0.7%
Utility	0.48%
Communication Services	0.29%

Debt Sector Allocation

Sector	Value
Corporate	14.02%
Cash Equivalent	9.68%
Government	6.28%

Credit Quality

Rating	Value
AA	4.67%
AAA	95.33%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bank of Maharashtra (Financial Services) Equity, Since 31 May 24 \| MAHABANK	3%	₹72 Cr	9,070,000 ↑ 2,970,000
The Federal Bank Ltd (Financial Services) Equity, Since 30 Jun 26 \| FEDERALBNK	2%	₹54 Cr	1,700,004 ↑ 550,000
Sterlite Technologies Ltd (Technology) Equity, Since 30 Apr 26 \| STLTECH	2%	₹54 Cr	592,439
Balrampur Chini Mills Ltd (Consumer Defensive) Equity, Since 31 Jan 21 \| BALRAMCHIN	2%	₹44 Cr	670,000
Optiemus Infracom Ltd (Technology) Equity, Since 30 Sep 26 \| OPTIEMUS	2%	₹43 Cr	559,789 ↑ 559,789
Quality Power Electrical Equipments Ltd (Industrials) Equity, Since 30 Sep 25 \| QPOWER	2%	₹43 Cr	271,005 ↑ 9,427
Power Finance Corporation Limited Debentures \| -	2%	₹42 Cr	4,200,000
Abbott India Ltd (Healthcare) Equity, Since 31 Jan 23 \| ABBOTINDIA	2%	₹41 Cr	15,000
Aurobindo Pharma Ltd (Healthcare) Equity, Since 31 Jan 26 \| AUROPHARMA	2%	₹40 Cr	240,000
Mankind Pharma Ltd (Healthcare) Equity, Since 30 Jun 26 \| MANKIND	2%	₹40 Cr	160,000

5. SBI Multi Asset Allocation Fund

(Erstwhile SBI Magnum Monthly Income Plan Floater)

To provide regular income, liquidity and attractive returns to investors in addition to mitigating the impact of interest rate risk through an actively managed portfolio of floating rate and fixed rate debt instruments, equity, money market instruments and derivatives.

Research Highlights for SBI Multi Asset Allocation Fund

Highest AUM (₹21,044 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 11.56% (upper mid).
3Y return: 12.94% (lower mid).
1Y return: 1.73% (lower mid).
1M return: -2.08% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.21 (lower mid).
Information ratio: 0.00 (upper mid).
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
High-quality debt (AAA/AA ~100%).
Largest holding SBI Gold ETF (~6.4%).

Below is the key information for SBI Multi Asset Allocation Fund

SBI Multi Asset Allocation Fund Growth
Launch Date	21 Dec 05
NAV (29 Oct 26)	₹64.1572 ↑ 0.27 (0.43 %)
Net Assets (Cr)	₹21,044 on 30 Sep 26
Category	Hybrid - Multi Asset
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.41
Sharpe Ratio	0.21
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
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
30 Sep 21	₹10,000
30 Sep 22	₹10,357
30 Sep 23	₹12,094
30 Sep 24	₹15,334
30 Sep 25	₹16,414
30 Sep 26	₹17,635

SBI Multi Asset Allocation Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518 Invest Now

Returns for SBI Multi Asset Allocation Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	-2.1%
3 Month	-3.7%
6 Month	-2.8%
1 Year	1.7%
3 Year	12.9%
5 Year	11.6%
10 Year
15 Year
Since launch	9.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	18.6%
2024	12.8%
2023	24.4%
2022	6%
2021	13%
2020	14.2%
2019	10.6%
2018	0.4%
2017	10.9%
2016	8.7%

Fund Manager information for SBI Multi Asset Allocation Fund

Name	Since	Tenure
Dinesh Balachandran	31 Oct 21	4.92 Yr.
Mansi Sajeja	1 Dec 23	2.84 Yr.
Vandna Soni	1 Jan 24	2.75 Yr.

Data below for SBI Multi Asset Allocation Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	6.44%
Equity	50.54%
Debt	33.08%
Other	9.94%

Equity Sector Allocation

Sector	Value
Financial Services	13.33%
Consumer Cyclical	6.63%
Real Estate	6.26%
Health Care	4.47%
Utility	3.86%
Basic Materials	3.66%
Industrials	3.42%
Energy	3.37%
Consumer Defensive	2.75%
Communication Services	1.63%
Technology	0.9%

Debt Sector Allocation

Sector	Value
Corporate	29.68%
Cash Equivalent	5.74%
Government	4.11%

Credit Quality

Rating	Value
AA	64.3%
AAA	35.7%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
SBI Gold ETF - \| -	6%	₹1,351 Cr	107,591,000
SBI Silver ETF - \| -	4%	₹750 Cr	34,896,178
Brookfield India Real Estate Trust (Real Estate) -, Since 30 Apr 25 \| BIRET	2%	₹510 Cr	15,164,234
Cholamandalam Investment And Finance Company Limited Debentures \| -	2%	₹466 Cr	475
Embassy Office Parks REIT (Real Estate) -, Since 30 Apr 25 \| EMBASSY	2%	₹414 Cr	9,520,000
GAIL (India) Ltd (Utilities) Equity, Since 31 Mar 21 \| 532155	2%	₹398 Cr	23,350,297
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 22 \| HDFCBANK	2%	₹373 Cr	5,262,000
Bandhan Bank Ltd (Financial Services) Equity, Since 30 Sep 24 \| BANDHANBNK	2%	₹365 Cr	20,500,000
Delhivery Ltd (Industrials) Equity, Since 15 Apr 26 \| 543529	2%	₹354 Cr	8,638,573
ICICI Bank Ltd (Financial Services) Equity, Since 15 Apr 22 \| ICICIBANK	1%	₹307 Cr	2,320,000

6. Bandhan Hybrid Equity Fund

(Erstwhile IDFC Balanced Fund)

The Fund seeks to generate long term capital appreciation along with current income by investing in a mix of equity and equity related securities, debt securities and money market instruments. There is no assurance or guarantee that the objectives of the scheme will be realised.

Research Highlights for Bandhan Hybrid Equity Fund

Upper mid AUM (₹2,663 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 9.41% (lower mid).
3Y return: 12.81% (lower mid).
1Y return: -0.30% (bottom quartile).
1M return: -0.32% (upper mid).
Alpha: 6.68 (top quartile).
Sharpe: 0.01 (bottom quartile).
Information ratio: 0.83 (top quartile).
Top sector: Financial Services.
Top bond sector: Corporate.
Equity-heavy allocation (~78%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~5.5%).

Below is the key information for Bandhan Hybrid Equity Fund

Bandhan Hybrid Equity Fund Growth
Launch Date	30 Dec 16
NAV (30 Oct 26)	₹27.032 ↓ -0.02 (-0.07 %)
Net Assets (Cr)	₹2,663 on 30 Sep 26
Category	Hybrid - Hybrid Equity
AMC	IDFC Asset Management Company Limited
Rating	Not Rated
Risk	Moderately High
Expense Ratio	2.15
Sharpe Ratio	0.01
Information Ratio	0.83
Alpha Ratio	6.68
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
30 Sep 21	₹10,000
30 Sep 22	₹9,937
30 Sep 23	₹11,292
30 Sep 24	₹15,122
30 Sep 25	₹15,208
30 Sep 26	₹15,924

Bandhan Hybrid Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859 Invest Now

Returns for Bandhan Hybrid 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 31 Dec 21

Duration	Returns
1 Month	-0.3%
3 Month	-2.7%
6 Month	2.1%
1 Year	-0.3%
3 Year	12.8%
5 Year	9.4%
10 Year
15 Year
Since launch	10.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.7%
2024	21%
2023	20.4%
2022	-1.1%
2021	30.8%
2020	13.9%
2019	4.7%
2018	-3.8%
2017	16.2%
2016

Fund Manager information for Bandhan Hybrid Equity Fund

Name	Since	Tenure
Harshal Joshi	28 Jul 21	5.18 Yr.
Brijesh Shah	10 Jun 24	2.31 Yr.
Prateek Poddar	7 Jun 24	2.32 Yr.
Ritika Behera	7 Oct 23	2.98 Yr.
Gaurav Satra	7 Jun 24	2.32 Yr.

Data below for Bandhan Hybrid Equity Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	4.13%
Equity	78.35%
Debt	17.51%
Other	0%

Equity Sector Allocation

Sector	Value
Financial Services	22.79%
Consumer Cyclical	12.51%
Industrials	8.01%
Technology	7.74%
Health Care	6.12%
Basic Materials	6.06%
Consumer Defensive	4.12%
Energy	3.6%
Utility	3.43%
Communication Services	2.63%
Real Estate	1.33%

Debt Sector Allocation

Sector	Value
Corporate	15.24%
Cash Equivalent	3.44%
Government	2.97%

Credit Quality

Rating	Value
AA	2.38%
AAA	97.62%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jul 24 \| ICICIBANK	5%	₹145 Cr	1,100,588 ↑ 65,081
HDFC Bank Ltd (Financial Services) Equity, Since 30 Jun 24 \| HDFCBANK	5%	₹125 Cr	1,764,594 ↑ 129,696
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 20 \| RELIANCE	4%	₹96 Cr	808,517 ↑ 31,144
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	3%	₹77 Cr	807,383 ↑ 34,077
NTPC Ltd (Utilities) Equity, Since 28 Feb 23 \| 532555	3%	₹73 Cr	2,251,786 ↑ 39,877
Power Finance Corporation Limited Debentures \| -	3%	₹70 Cr	7,000,000 ↑ 2,500,000
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 May 24 \| M&M	2%	₹55 Cr	187,507 ↑ 16,570
7.3% Govt Stock 2053 Sovereign Bonds \| -	2%	₹53 Cr	5,500,000
JSW Steel Ltd (Basic Materials) Equity, Since 31 Mar 25 \| JSWSTEEL	2%	₹53 Cr	420,659 ↑ 29,496
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Jan 17 \| LT	2%	₹51 Cr	135,989 ↑ 3,229

7. UTI Multi Asset Fund

(Erstwhile UTI Wealth Builder Fund)

The objective of the Scheme is to achieve long term capital appreciation by investing predominantly in a diversified portfolio of equity and equity related instruments along with investments in Gold ETFs and Debt and Money Market Instruments. However, there can be no assurance that the investment objective of the Scheme will be achieved.

Research Highlights for UTI Multi Asset Fund

Top quartile AUM (₹6,634 Cr).
Established history (18+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 11.20% (upper mid).
3Y return: 12.50% (bottom quartile).
1Y return: -3.40% (bottom quartile).
1M return: -1.26% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.17 (bottom quartile).
Information ratio: 0.00 (upper mid).
Top sector: Financial Services.
Top bond sector: Government.
Equity-heavy allocation (~72%).
High-quality debt (AAA/AA ~100%).
Largest holding UTI Gold ETF (~13.6%).

Below is the key information for UTI Multi Asset Fund

UTI Multi Asset Fund Growth
Launch Date	21 Oct 08
NAV (30 Oct 26)	₹74.9292 ↓ -0.03 (-0.04 %)
Net Assets (Cr)	₹6,634 on 30 Sep 26
Category	Hybrid - Multi Asset
AMC	UTI Asset Management Company Ltd
Rating	☆
Risk	Moderately High
Expense Ratio	1.72
Sharpe Ratio	-0.18
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
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
30 Sep 21	₹10,000
30 Sep 22	₹10,095
30 Sep 23	₹11,963
30 Sep 24	₹16,899
30 Sep 25	₹16,926
30 Sep 26	₹17,271

UTI Multi Asset Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518 Invest Now

Returns for UTI Multi Asset Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	-1.3%
3 Month	-5.1%
6 Month	-3%
1 Year	-3.4%
3 Year	12.5%
5 Year	11.2%
10 Year
15 Year
Since launch	11.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	11.1%
2024	20.7%
2023	29.1%
2022	4.4%
2021	11.8%
2020	13.1%
2019	3.9%
2018	-0.5%
2017	17.1%
2016	7.3%

Fund Manager information for UTI Multi Asset Fund

Name	Since	Tenure
Sharwan Goyal	12 Nov 21	4.89 Yr.
Jaydeep Bhowal	1 Oct 24	2 Yr.
Lokesh Kulthia	19 Jun 26	0.28 Yr.

Data below for UTI Multi Asset Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	2.45%
Equity	71.64%
Debt	10.77%
Other	15.14%

Equity Sector Allocation

Sector	Value
Financial Services	20.34%
Industrials	10.26%
Consumer Defensive	9.49%
Technology	7.31%
Basic Materials	5.78%
Consumer Cyclical	5.61%
Real Estate	4.18%
Health Care	3.79%
Energy	2.16%
Communication Services	1.53%
Utility	0.04%

Debt Sector Allocation

Sector	Value
Government	5.42%
Corporate	5.4%
Cash Equivalent	2.4%

Credit Quality

Rating	Value
AA	7.54%
AAA	92.46%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
UTI Gold ETF - \| -	14%	₹904 Cr	73,012,656
ICICI Bank Ltd (Financial Services) Equity, Since 29 Feb 24 \| ICICIBANK	3%	₹214 Cr	1,619,611
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 30 Apr 25 \| KOTAKBANK	3%	₹208 Cr	4,999,306 ↓ -5,000
HDFC Bank Ltd (Financial Services) Equity, Since 30 Apr 25 \| HDFCBANK	3%	₹195 Cr	2,752,846 ↑ 260,000
ITC Ltd (Consumer Defensive) Equity, Since 31 Oct 22 \| ITC	3%	₹171 Cr	6,498,903 ↓ -17,272
Nestle India Ltd (Consumer Defensive) Equity, Since 29 Feb 24 \| NESTLEIND	3%	₹170 Cr	1,297,036 ↑ 7,847
Tata Consultancy Services Ltd (Technology) Equity, Since 29 Feb 24 \| TCS	2%	₹157 Cr	765,007 ↓ -1,000
Bharat Electronics Ltd (Industrials) Equity, Since 31 Oct 25 \| BEL	2%	₹121 Cr	3,118,720
UTI Silver Exchange Traded Fund - \| -	2%	₹113 Cr	5,340,659 ↑ 849,800
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Jul 23 \| INDIGO	2%	₹112 Cr	225,484

8. Axis Triple Advantage Fund

To generate long term capital appreciation by investing in a diversified portfolio of equity and equity related instruments, fixed income instruments & gold exchange traded funds.

Research Highlights for Axis Triple Advantage Fund

Upper mid AUM (₹2,616 Cr).
Established history (16+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 6.95% (bottom quartile).
3Y return: 12.40% (bottom quartile).
1Y return: 0.93% (lower mid).
1M return: -1.09% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.09 (lower mid).
Information ratio: 0.00 (lower mid).
Top sector: Financial Services.
Top bond sector: Corporate.
Equity-heavy allocation (~66%).
High-quality debt (AAA/AA ~98%).
Largest holding Axis Gold ETF (~11.8%).

Below is the key information for Axis Triple Advantage Fund

Axis Triple Advantage Fund Growth
Launch Date	23 Aug 10
NAV (29 Oct 26)	₹43.3048 ↑ 0.16 (0.38 %)
Net Assets (Cr)	₹2,616 on 30 Sep 26
Category	Hybrid - Multi Asset
AMC	Axis Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	2
Sharpe Ratio	0.09
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)

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹9,461
30 Sep 23	₹10,153
30 Sep 24	₹12,951
30 Sep 25	₹13,494
30 Sep 26	₹14,292

Axis Triple Advantage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹357,992.
Net Profit of ₹57,992 Invest Now

Returns for Axis Triple Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	-1.1%
3 Month	-3%
6 Month	-0.8%
1 Year	0.9%
3 Year	12.4%
5 Year	6.9%
10 Year
15 Year
Since launch	9.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	15.3%
2024	15.4%
2023	12.9%
2022	-5.8%
2021	22.8%
2020	18%
2019	15.3%
2018	1.9%
2017	15.9%
2016	7.1%

Fund Manager information for Axis Triple Advantage Fund

Name	Since	Tenure
Devang Shah	5 Apr 24	2.49 Yr.
Aditya Pagaria	1 Jun 24	2.33 Yr.
Ashish Naik	22 Jun 16	10.28 Yr.
Hardik Shah	5 Apr 24	2.49 Yr.
Pratik Tibrewal	1 Feb 25	1.66 Yr.
Krishnaa N	16 Dec 24	1.79 Yr.

Data below for Axis Triple Advantage Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	9.49%
Equity	66.31%
Debt	9.39%
Other	14.82%

Equity Sector Allocation

Sector	Value
Financial Services	20.77%
Consumer Cyclical	10.53%
Industrials	9.25%
Health Care	6.6%
Basic Materials	4.64%
Technology	3.99%
Energy	2.96%
Consumer Defensive	2.7%
Communication Services	2.14%
Real Estate	2.12%
Utility	0.98%

Debt Sector Allocation

Sector	Value
Corporate	8.42%
Cash Equivalent	8.34%
Government	2.09%

Credit Quality

Rating	Value
A	1.82%
AA	50.18%
AAA	48%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Gold ETF - \| -	12%	₹308 Cr	25,164,451 ↑ 100,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 18 \| ICICIBANK	6%	₹146 Cr	1,101,670 ↑ 56,872
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 10 \| HDFCBANK	4%	₹111 Cr	1,563,101 ↑ 217,844
Axis Silver ETF - \| -	3%	₹87 Cr	4,012,398 ↑ 1,077,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 24 \| BHARTIARTL	3%	₹73 Cr	416,046 ↑ 102,600
Axis Bank Ltd (Financial Services) Equity, Since 31 Jan 26 \| 532215	3%	₹68 Cr	555,654 ↑ 105,833
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 19 \| RELIANCE	2%	₹65 Cr	546,750 ↑ 118,716
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Mar 13 \| LT	2%	₹56 Cr	147,990 ↓ -13,916
State Bank of India (Financial Services) Equity, Since 30 Nov 22 \| SBIN	2%	₹55 Cr	568,247 ↑ 54,000
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Jun 24 \| M&M	2%	₹40 Cr	137,218

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