ಅತ್ಯುತ್ತಮ ಬಾಂಡ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು 2022

Updated on December 17, 2025 , 29199 views

ಕರಾರುಪತ್ರಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ಗಿಂತ ಹೆಚ್ಚಿನ ಆದಾಯವನ್ನು ನೀಡುತ್ತದೆಬ್ಯಾಂಕ್ ಖಾತೆಗಳು ಮತ್ತು ಪ್ರಕೃತಿಯಲ್ಲಿ ಹೆಚ್ಚು ದ್ರವವಾಗಿರುತ್ತವೆ, ಅಂದರೆ ಹೂಡಿಕೆದಾರರು ಯಾವುದೇ ಸಮಯದಲ್ಲಿ ತಮ್ಮ ಹೂಡಿಕೆಯನ್ನು ಪಡೆದುಕೊಳ್ಳಬಹುದು. ಕೆಲವು ಅತ್ಯುತ್ತಮ ಮೇಜರ್ಹೂಡಿಕೆಯ ಪ್ರಯೋಜನಗಳು ಬಾಂಡ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಕಡಿಮೆ-ವೆಚ್ಚದ ರಚನೆ, ತುಲನಾತ್ಮಕವಾಗಿ ಹೆಚ್ಚಿನ ಆದಾಯ, ಹೆಚ್ಚುದ್ರವ್ಯತೆ ಮತ್ತು ಸಮಂಜಸವಾದ ಸುರಕ್ಷತೆ.

ಬಾಂಡ್ ಫಂಡ್‌ಗಳು ಎಂದೂ ಕರೆಯುತ್ತಾರೆಸಾಲ ನಿಧಿ. ಇದು ಒಂದು ರೀತಿಯ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಯೋಜನೆಯಾಗಿದ್ದು ಅದು ಸ್ಥಿರವಾಗಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತದೆಆದಾಯ ಸರ್ಕಾರ ಮತ್ತು ಕಾರ್ಪೊರೇಟ್‌ನಂತಹ ಉಪಕರಣಗಳುಬಾಂಡ್ಗಳು,ಹಣದ ಮಾರುಕಟ್ಟೆ ಉಪಕರಣಗಳು, ಕಾರ್ಪೊರೇಟ್ ಸಾಲ ಭದ್ರತೆಗಳು ಇತ್ಯಾದಿಬಂಡವಾಳ ಮೆಚ್ಚುಗೆ. ಸ್ಥಿರ ಮತ್ತು ನಿಯಮಿತ ಆದಾಯವನ್ನು ಹುಡುಕುತ್ತಿರುವ ಸರಾಸರಿ ಅಪಾಯ-ವಿರೋಧಿ ಹೂಡಿಕೆದಾರರಿಗೆ ಬಾಂಡ್ ಫಂಡ್‌ಗಳು ಸೂಕ್ತ ಹೂಡಿಕೆಯಾಗಿದೆ. ಈ ನಿಧಿಗಳು ಕಡಿಮೆ ಬಾಷ್ಪಶೀಲವಾಗಿರುತ್ತವೆ ಮತ್ತು ಆದ್ದರಿಂದ ಕಡಿಮೆ ಅಪಾಯಕಾರಿಇಕ್ವಿಟಿ ಫಂಡ್‌ಗಳು. ಇದಲ್ಲದೆ, ಬಾಂಡ್ ಫಂಡ್‌ಗಳು ಬ್ಯಾಂಕ್‌ಗೆ ಉತ್ತಮ ಪರ್ಯಾಯವಾಗಬಹುದುಸ್ಥಿರ ಠೇವಣಿ.

ನಿಮ್ಮದನ್ನು ಸಾಧಿಸಲು ನಿಮಗೆ ಸಹಾಯ ಮಾಡುವ ವರ್ಗ ಶ್ರೇಯಾಂಕದ ಪ್ರಕಾರ ಉತ್ತಮ ಬಾಂಡ್ ಫಂಡ್‌ಗಳು ಈ ಕೆಳಗಿನಂತಿವೆಹಣಕಾಸಿನ ಗುರಿಗಳು ಮತ್ತು ಉತ್ತಮ ಆದಾಯವನ್ನು ಗಳಿಸಲು ನಿಮಗೆ ಸಹಾಯ ಮಾಡಬಹುದು.

ಬಾಂಡ್ ಮತ್ತು ಬಾಂಡ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ನಡುವಿನ ವ್ಯತ್ಯಾಸ

ಬಾಂಡ್ಗಳು

ಅವು ನಿಗಮಗಳು ಅಥವಾ ಸರ್ಕಾರಗಳಂತಹ ಘಟಕಗಳಿಂದ ನೀಡಲಾದ ಸಾಲ ಬಾಧ್ಯತೆಗಳಾಗಿವೆ. ಆದ್ದರಿಂದ, ಯಾವಾಗ ಒಂದುಹೂಡಿಕೆದಾರ ಅವರು ಬಾಂಡ್ ಖರೀದಿಸುತ್ತಿದ್ದಾರೆ, ಅವರು ನಿರ್ದಿಷ್ಟ ಅವಧಿಗೆ ಘಟಕಕ್ಕೆ ಹಣವನ್ನು ಸಾಲವಾಗಿ ನೀಡುತ್ತಿದ್ದಾರೆ. ಪ್ರತಿಯಾಗಿ, ನೀವು ಅಧಿಕಾರಾವಧಿಯ ಅಂತ್ಯದವರೆಗೆ ಬಡ್ಡಿಯನ್ನು ಪಡೆಯುತ್ತೀರಿ.

ಬಾಂಡ್ ನಿಧಿಗಳು

ಅವು ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು ಅಥವಾ ವಿನಿಮಯ-ವ್ಯಾಪಾರ ನಿಧಿಗಳು (ಇಟಿಎಫ್‌ಗಳು) ಪೋರ್ಟ್‌ಫೋಲಿಯೊ ಬಾಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು. ತಾತ್ತ್ವಿಕವಾಗಿ, ಬಾಂಡ್ ಫಂಡ್‌ಗಳು ಕಾರ್ಪೊರೇಟ್ ಅಥವಾ ಸರ್ಕಾರದಂತಹ ನಿರ್ದಿಷ್ಟ ರೀತಿಯ ಬಾಂಡ್‌ಗಳನ್ನು ಒಳಗೊಂಡಿರುತ್ತವೆ. ಕೆಳಗೆ ನೀಡಲಾದಂತಹ ಪರಿಪಕ್ವತೆಯ ಮೂಲಕ ಅವುಗಳನ್ನು ಮತ್ತಷ್ಟು ವ್ಯಾಖ್ಯಾನಿಸಲಾಗಿದೆ.

ಬಾಂಡ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಏಕೆ ಹೂಡಿಕೆ ಮಾಡಬೇಕು?

ಈ ನಿಧಿಗಳ ಕೆಲವು ಪ್ರಮುಖ ಪ್ರಯೋಜನಗಳೆಂದರೆ:

ನಿಯಮಿತ ಆದಾಯವನ್ನು ಗಳಿಸಲು ಬಾಂಡ್ ಫಂಡ್‌ಗಳು ಉತ್ತಮ ಆಯ್ಕೆಯಾಗಿದೆ. ಉದಾಹರಣೆಗೆ, ಡಿವಿಡೆಂಡ್ ಪಾವತಿಯನ್ನು ಆಯ್ಕೆ ಮಾಡುವುದು ನಿಯಮಿತ ಆದಾಯಕ್ಕೆ ಒಂದು ಆಯ್ಕೆಯಾಗಿದೆ.
ಸಣ್ಣ ಹಣಕಾಸಿನ ಗುರಿಗಳನ್ನು ಯೋಜಿಸಲು ಇದು ಉತ್ತಮ ಆಯ್ಕೆಯಾಗಿದೆ. ಕಡಿಮೆ ಅವಧಿಯಲ್ಲಿ, ಈ ನಿಧಿಗಳು ಸುರಕ್ಷತೆಯ ಆದಾಯವನ್ನು ಮತ್ತು ಹೆಚ್ಚು ದ್ರವವನ್ನು ಖಾತ್ರಿಪಡಿಸುತ್ತವೆ.
ಬಾಂಡ್ ಫಂಡ್‌ಗಳಲ್ಲಿ, ನೀವು ಯಾವುದೇ ಹಂತದಲ್ಲಿ ನಿಮ್ಮ ಹೂಡಿಕೆಯಿಂದ ಭಾಗಶಃ ಹಣವನ್ನು ಹಿಂಪಡೆಯಬಹುದು/ಹಿಂಪಡೆಯಬಹುದು ಮತ್ತು ಉಳಿದ ಹಣವನ್ನು ಹೂಡಿಕೆ ಮಾಡಲು ಬಿಡಬಹುದು.
ಬಾಂಡ್ ಫಂಡ್‌ಗಳು ಪ್ರಮುಖವಾಗಿ ಸರ್ಕಾರಿ ಭದ್ರತೆಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದರಿಂದ ಅವು ಈಕ್ವಿಟಿಯ ಚಂಚಲತೆಯಿಂದ ಪ್ರಭಾವಿತವಾಗುವುದಿಲ್ಲಮಾರುಕಟ್ಟೆ. ಆದ್ದರಿಂದ, ಅಪಾಯ-ವಿರೋಧಿಗಳಿಗೆ ಇದು ಅತ್ಯುತ್ತಮ ಹೂಡಿಕೆ ಮಾರ್ಗವಾಗಿದೆ.

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<1 ವರ್ಷಕ್ಕೆ ಹೂಡಿಕೆ ಮಾಡಲು ಬಾಂಡ್ ಫಂಡ್‌ಗಳು

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹564.944 ↑ 0.12	₹24,129	1.5	3.1	7.4	7.5	7.9	6.66%	5M 23D	6M 18D
Indiabulls Liquid Fund Growth	₹2,593.41 ↑ 0.41	₹183	1.4	2.9	6.6	6.9	7.4	5.88%	1M 20D	1M 21D
PGIM India Insta Cash Fund Growth	₹349.063 ↑ 0.06	₹557	1.4	2.9	6.5	7	7.3	5.96%	1M 11D	1M 13D
JM Liquid Fund Growth	₹73.1392 ↑ 0.01	₹2,851	1.4	2.8	6.4	6.9	7.2	5.91%	1M 10D	1M 14D
UTI Ultra Short Term Fund Growth	₹4,353.06 ↑ 0.73	₹4,788	1.4	2.8	6.7	6.9	7.2	6.53%	5M 9D	6M 2D
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 5 Funds showcased

Commentary	Aditya Birla Sun Life Savings Fund	Indiabulls Liquid Fund	PGIM India Insta Cash Fund	JM Liquid Fund	UTI Ultra Short Term Fund
Point 1	Highest AUM (₹24,129 Cr).	Bottom quartile AUM (₹183 Cr).	Bottom quartile AUM (₹557 Cr).	Lower mid AUM (₹2,851 Cr).	Upper mid AUM (₹4,788 Cr).
Point 2	Established history (22+ yrs).	Established history (14+ yrs).	Established history (18+ yrs).	Oldest track record among peers (27 yrs).	Established history (22+ yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 5★ (lower mid).	Rating: 5★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Moderately Low.
Point 5	1Y return: 7.40% (top quartile).	1Y return: 6.57% (lower mid).	1Y return: 6.54% (bottom quartile).	1Y return: 6.43% (bottom quartile).	1Y return: 6.66% (upper mid).
Point 6	1M return: 0.39% (bottom quartile).	1M return: 0.45% (top quartile).	1M return: 0.44% (lower mid).	1M return: 0.45% (upper mid).	1M return: 0.37% (bottom quartile).
Point 7	Sharpe: 3.69 (top quartile).	Sharpe: 3.30 (upper mid).	Sharpe: 3.19 (lower mid).	Sharpe: 2.52 (bottom quartile).	Sharpe: 1.99 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: -0.88 (bottom quartile).	Information ratio: -0.18 (lower mid).	Information ratio: -1.88 (bottom quartile).	Information ratio: 0.00 (upper mid).
Point 9	Yield to maturity (debt): 6.66% (top quartile).	Yield to maturity (debt): 5.88% (bottom quartile).	Yield to maturity (debt): 5.96% (lower mid).	Yield to maturity (debt): 5.91% (bottom quartile).	Yield to maturity (debt): 6.53% (upper mid).
Point 10	Modified duration: 0.48 yrs (bottom quartile).	Modified duration: 0.14 yrs (lower mid).	Modified duration: 0.11 yrs (upper mid).	Modified duration: 0.11 yrs (top quartile).	Modified duration: 0.44 yrs (bottom quartile).

Aditya Birla Sun Life Savings Fund

Highest AUM (₹24,129 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.40% (top quartile).
1M return: 0.39% (bottom quartile).
Sharpe: 3.69 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.66% (top quartile).
Modified duration: 0.48 yrs (bottom quartile).

Indiabulls Liquid Fund

Bottom quartile AUM (₹183 Cr).
Established history (14+ yrs).
Rating: 5★ (upper mid).
Risk profile: Low.
1Y return: 6.57% (lower mid).
1M return: 0.45% (top quartile).
Sharpe: 3.30 (upper mid).
Information ratio: -0.88 (bottom quartile).
Yield to maturity (debt): 5.88% (bottom quartile).
Modified duration: 0.14 yrs (lower mid).

PGIM India Insta Cash Fund

Bottom quartile AUM (₹557 Cr).
Established history (18+ yrs).
Rating: 5★ (lower mid).
Risk profile: Low.
1Y return: 6.54% (bottom quartile).
1M return: 0.44% (lower mid).
Sharpe: 3.19 (lower mid).
Information ratio: -0.18 (lower mid).
Yield to maturity (debt): 5.96% (lower mid).
Modified duration: 0.11 yrs (upper mid).

JM Liquid Fund

Lower mid AUM (₹2,851 Cr).
Oldest track record among peers (27 yrs).
Rating: 5★ (bottom quartile).
Risk profile: Low.
1Y return: 6.43% (bottom quartile).
1M return: 0.45% (upper mid).
Sharpe: 2.52 (bottom quartile).
Information ratio: -1.88 (bottom quartile).
Yield to maturity (debt): 5.91% (bottom quartile).
Modified duration: 0.11 yrs (top quartile).

UTI Ultra Short Term Fund

Upper mid AUM (₹4,788 Cr).
Established history (22+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.66% (upper mid).
1M return: 0.37% (bottom quartile).
Sharpe: 1.99 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.53% (upper mid).
Modified duration: 0.44 yrs (bottom quartile).

ಬಾಂಡ್ ಫಂಡ್‌ಗಳು > 1 ವರ್ಷಕ್ಕೆ ಹೂಡಿಕೆ ಮಾಡಲು

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
PGIM India Short Maturity Fund Growth	₹39.3202 ↓ 0.00	₹28	1.2	3.1	6.1	4.2		7.18%	1Y 7M 28D	1Y 11M 1D
Aditya Birla Sun Life Medium Term Plan Growth	₹41.1276 ↓ -0.01	₹2,886	1.7	3.1	10.9	9.3	10.5	7.48%	3Y 8M 16D	4Y 11M 5D
Nippon India Strategic Debt Fund Growth	₹16.1942 ↓ 0.00	₹136	1.4	4.7	9.6	8.3	8.3	7.04%	3Y 4M 17D	4Y 6M
Axis Strategic Bond Fund Growth	₹28.8524 ↓ -0.01	₹1,941	1.6	2.9	8.2	8	8.7	7.78%	3Y 4M 2D	4Y 6M 22D
ICICI Prudential Short Term Fund Growth	₹62.0206 ↑ 0.01	₹23,473	1.6	2.9	8	7.7	7.8	7.06%	2Y 3M 22D	4Y 3M 11D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 23

Research Highlights & Commentary of 5 Funds showcased

Commentary	PGIM India Short Maturity Fund	Aditya Birla Sun Life Medium Term Plan	Nippon India Strategic Debt Fund	Axis Strategic Bond Fund	ICICI Prudential Short Term Fund
Point 1	Bottom quartile AUM (₹28 Cr).	Upper mid AUM (₹2,886 Cr).	Bottom quartile AUM (₹136 Cr).	Lower mid AUM (₹1,941 Cr).	Highest AUM (₹23,473 Cr).
Point 2	Established history (22+ yrs).	Established history (16+ yrs).	Established history (11+ yrs).	Established history (13+ yrs).	Oldest track record among peers (24 yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 6.08% (bottom quartile).	1Y return: 10.88% (top quartile).	1Y return: 9.64% (upper mid).	1Y return: 8.20% (lower mid).	1Y return: 7.99% (bottom quartile).
Point 6	1M return: 0.43% (top quartile).	1M return: 0.11% (bottom quartile).	1M return: 0.10% (bottom quartile).	1M return: 0.19% (lower mid).	1M return: 0.27% (upper mid).
Point 7	Sharpe: -0.98 (bottom quartile).	Sharpe: 2.17 (top quartile).	Sharpe: 1.32 (bottom quartile).	Sharpe: 1.59 (lower mid).	Sharpe: 1.72 (upper mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.18% (lower mid).	Yield to maturity (debt): 7.48% (upper mid).	Yield to maturity (debt): 7.04% (bottom quartile).	Yield to maturity (debt): 7.78% (top quartile).	Yield to maturity (debt): 7.06% (bottom quartile).
Point 10	Modified duration: 1.66 yrs (top quartile).	Modified duration: 3.71 yrs (bottom quartile).	Modified duration: 3.38 yrs (bottom quartile).	Modified duration: 3.34 yrs (lower mid).	Modified duration: 2.31 yrs (upper mid).

PGIM India Short Maturity Fund

Bottom quartile AUM (₹28 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 6.08% (bottom quartile).
1M return: 0.43% (top quartile).
Sharpe: -0.98 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.18% (lower mid).
Modified duration: 1.66 yrs (top quartile).

Aditya Birla Sun Life Medium Term Plan

Upper mid AUM (₹2,886 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 10.88% (top quartile).
1M return: 0.11% (bottom quartile).
Sharpe: 2.17 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.48% (upper mid).
Modified duration: 3.71 yrs (bottom quartile).

Nippon India Strategic Debt Fund

Bottom quartile AUM (₹136 Cr).
Established history (11+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 9.64% (upper mid).
1M return: 0.10% (bottom quartile).
Sharpe: 1.32 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.04% (bottom quartile).
Modified duration: 3.38 yrs (bottom quartile).

Axis Strategic Bond Fund

Lower mid AUM (₹1,941 Cr).
Established history (13+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.20% (lower mid).
1M return: 0.19% (lower mid).
Sharpe: 1.59 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.78% (top quartile).
Modified duration: 3.34 yrs (lower mid).

ICICI Prudential Short Term Fund

Highest AUM (₹23,473 Cr).
Oldest track record among peers (24 yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.99% (bottom quartile).
1M return: 0.27% (upper mid).
Sharpe: 1.72 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.06% (bottom quartile).
Modified duration: 2.31 yrs (upper mid).

ಬಾಂಡ್ ಫಂಡ್‌ಗಳು > 3 ವರ್ಷಗಳವರೆಗೆ ಹೂಡಿಕೆ ಮಾಡಲು

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
ICICI Prudential Gilt Fund Growth	₹104.708 ↑ 0.11	₹9,227	1.1	1.5	7	7.7	8.2	7.17%	6Y 18D	17Y 9M 11D
SBI Magnum Income Fund Growth	₹71.6047 ↓ -0.04	₹2,160	0.9	1.4	5.8	7	8.1	7.23%	4Y 11M 19D	8Y 8M 23D
UTI Bond Fund Growth	₹74.0996 ↓ -0.02	₹313	0.7	0.9	5.5	6.7	8.5	7.26%	6Y 3M 22D	10Y 7M 2D
UTI Gilt Fund Growth	₹63.3687 ↓ -0.04	₹561	1.1	1.1	5.2	6.8	8.9	6.53%	4Y 9M 25D	6Y 9M 7D
SBI Magnum Gilt Fund Growth	₹66.236 ↓ -0.06	₹10,897	0.2	0.5	4.6	7	8.9	6.9%	7Y 11M 19D	14Y 7D
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 5 Funds showcased

Commentary	ICICI Prudential Gilt Fund	SBI Magnum Income Fund	UTI Bond Fund	UTI Gilt Fund	SBI Magnum Gilt Fund
Point 1	Upper mid AUM (₹9,227 Cr).	Lower mid AUM (₹2,160 Cr).	Bottom quartile AUM (₹313 Cr).	Bottom quartile AUM (₹561 Cr).	Highest AUM (₹10,897 Cr).
Point 2	Established history (26+ yrs).	Oldest track record among peers (27 yrs).	Established history (27+ yrs).	Established history (23+ yrs).	Established history (24+ yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 6.97% (top quartile).	1Y return: 5.82% (upper mid).	1Y return: 5.50% (lower mid).	1Y return: 5.16% (bottom quartile).	1Y return: 4.55% (bottom quartile).
Point 6	1M return: 0.56% (top quartile).	1M return: -0.06% (lower mid).	1M return: -0.25% (bottom quartile).	1M return: 0.10% (upper mid).	1M return: -0.25% (bottom quartile).
Point 7	Sharpe: 0.18 (top quartile).	Sharpe: 0.04 (upper mid).	Sharpe: -0.02 (lower mid).	Sharpe: -0.15 (bottom quartile).	Sharpe: -0.23 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.17% (lower mid).	Yield to maturity (debt): 7.23% (upper mid).	Yield to maturity (debt): 7.26% (top quartile).	Yield to maturity (debt): 6.53% (bottom quartile).	Yield to maturity (debt): 6.90% (bottom quartile).
Point 10	Modified duration: 6.05 yrs (lower mid).	Modified duration: 4.97 yrs (upper mid).	Modified duration: 6.31 yrs (bottom quartile).	Modified duration: 4.82 yrs (top quartile).	Modified duration: 7.97 yrs (bottom quartile).

ICICI Prudential Gilt Fund

Upper mid AUM (₹9,227 Cr).
Established history (26+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 6.97% (top quartile).
1M return: 0.56% (top quartile).
Sharpe: 0.18 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.17% (lower mid).
Modified duration: 6.05 yrs (lower mid).

SBI Magnum Income Fund

Lower mid AUM (₹2,160 Cr).
Oldest track record among peers (27 yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 5.82% (upper mid).
1M return: -0.06% (lower mid).
Sharpe: 0.04 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.23% (upper mid).
Modified duration: 4.97 yrs (upper mid).

UTI Bond Fund

Bottom quartile AUM (₹313 Cr).
Established history (27+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 5.50% (lower mid).
1M return: -0.25% (bottom quartile).
Sharpe: -0.02 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.26% (top quartile).
Modified duration: 6.31 yrs (bottom quartile).

UTI Gilt Fund

Bottom quartile AUM (₹561 Cr).
Established history (23+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.16% (bottom quartile).
1M return: 0.10% (upper mid).
Sharpe: -0.15 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.53% (bottom quartile).
Modified duration: 4.82 yrs (top quartile).

SBI Magnum Gilt Fund

Highest AUM (₹10,897 Cr).
Established history (24+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 4.55% (bottom quartile).
1M return: -0.25% (bottom quartile).
Sharpe: -0.23 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.90% (bottom quartile).
Modified duration: 7.97 yrs (bottom quartile).

ಅತ್ಯುತ್ತಮ 10-ವರ್ಷದ ಸರ್ಕಾರ ಬಾಂಡ್ ನಿಧಿಗಳು

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
SBI Magnum Constant Maturity Fund Growth	₹64.6276 ↓ -0.09	₹1,828	0.7	1	6.7	7.6	9.1	6.75%	6Y 9M 18D	9Y 6M 11D
ICICI Prudential Constant Maturity Gilt Fund Growth	₹25.1326 ↓ -0.02	₹2,566	1	1.2	7.6	8	9.3	6.76%	6Y 9M 29D	9Y 8M 19D
Bandhan Government Securities Fund - Constant Maturity Plan Growth	₹46.5713 ↓ -0.01	₹350	0.8	1.4	7.4	8.1	9.7	6.71%	6Y 6M 18D	9Y 3M 4D
DSP 10Y G-Sec Fund Growth	₹22.0432 ↓ -0.02	₹52	0.4	0.6	6.4	7.5	9	6.59%	6Y 11M 26D	9Y 7M 20D
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 4 Funds showcased

Commentary	SBI Magnum Constant Maturity Fund	ICICI Prudential Constant Maturity Gilt Fund	Bandhan Government Securities Fund - Constant Maturity Plan	DSP 10Y G-Sec Fund
Point 1	Upper mid AUM (₹1,828 Cr).	Highest AUM (₹2,566 Cr).	Lower mid AUM (₹350 Cr).	Bottom quartile AUM (₹52 Cr).
Point 2	Oldest track record among peers (24 yrs).	Established history (11+ yrs).	Established history (23+ yrs).	Established history (11+ yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 6.72% (lower mid).	1Y return: 7.57% (top quartile).	1Y return: 7.40% (upper mid).	1Y return: 6.40% (bottom quartile).
Point 6	1M return: -0.13% (lower mid).	1M return: -0.02% (upper mid).	1M return: 0.01% (top quartile).	1M return: -0.22% (bottom quartile).
Point 7	Sharpe: 0.29 (lower mid).	Sharpe: 0.53 (top quartile).	Sharpe: 0.53 (upper mid).	Sharpe: 0.26 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.75% (upper mid).	Yield to maturity (debt): 6.76% (top quartile).	Yield to maturity (debt): 6.71% (lower mid).	Yield to maturity (debt): 6.59% (bottom quartile).
Point 10	Modified duration: 6.80 yrs (upper mid).	Modified duration: 6.83 yrs (lower mid).	Modified duration: 6.55 yrs (top quartile).	Modified duration: 6.99 yrs (bottom quartile).

SBI Magnum Constant Maturity Fund

Upper mid AUM (₹1,828 Cr).
Oldest track record among peers (24 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.72% (lower mid).
1M return: -0.13% (lower mid).
Sharpe: 0.29 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.75% (upper mid).
Modified duration: 6.80 yrs (upper mid).

ICICI Prudential Constant Maturity Gilt Fund

Highest AUM (₹2,566 Cr).
Established history (11+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.57% (top quartile).
1M return: -0.02% (upper mid).
Sharpe: 0.53 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.76% (top quartile).
Modified duration: 6.83 yrs (lower mid).

Bandhan Government Securities Fund - Constant Maturity Plan

Lower mid AUM (₹350 Cr).
Established history (23+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 7.40% (upper mid).
1M return: 0.01% (top quartile).
Sharpe: 0.53 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.71% (lower mid).
Modified duration: 6.55 yrs (top quartile).

DSP 10Y G-Sec Fund

Bottom quartile AUM (₹52 Cr).
Established history (11+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.40% (bottom quartile).
1M return: -0.22% (bottom quartile).
Sharpe: 0.26 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.59% (bottom quartile).
Modified duration: 6.99 yrs (bottom quartile).

*ನಿವ್ವಳ ಸ್ವತ್ತುಗಳನ್ನು ಹೊಂದಿರುವ ಬಾಂಡ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳ ಪಟ್ಟಿಯನ್ನು ಕೆಳಗೆ ನೀಡಲಾಗಿದೆ50 ಕೋಟಿ ಮತ್ತು 3 ವರ್ಷಗಳಿಂದ ಸ್ವತ್ತುಗಳನ್ನು ನಿರ್ವಹಿಸಿದ್ದಾರೆ. ಮೆಚ್ಯೂರಿಟಿಗೆ ಹೆಚ್ಚಿನ ಇಳುವರಿಯನ್ನು ಆಧರಿಸಿ (ytm)

1. Kotak Dynamic Bond Fund

(Erstwhile Kotak Flexi Debt Scheme)

To maximize returns through active management of a portfolio of debt and money market securities.

Research Highlights for Kotak Dynamic Bond Fund

Lower mid AUM (₹2,736 Cr).
Established history (17+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 5.67% (bottom quartile).
1M return: 0.40% (top quartile).
Sharpe: -0.12 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 8.04% (top quartile).
Modified duration: 7.71 yrs (bottom quartile).
Average maturity: 19.10 yrs (bottom quartile).
Exit load: NIL.
Top sector: Real Estate.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~83%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.3% Govt Stock 2053 (~41.6%).
Top-3 holdings concentration ~59.6%.

Below is the key information for Kotak Dynamic Bond Fund

Kotak Dynamic Bond Fund Growth
Launch Date	26 May 08
NAV (19 Dec 25)	₹37.992 ↑ 0.05 (0.14 %)
Net Assets (Cr)	₹2,736 on 15 Dec 25
Category	Debt - Medium term Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	1.33
Sharpe Ratio	-0.12
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	8.04%
Effective Maturity	19 Years 1 Month 6 Days
Modified Duration	7 Years 8 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,377
30 Nov 22	₹10,591
30 Nov 23	₹11,198
30 Nov 24	₹12,310
30 Nov 25	₹12,998

Kotak Dynamic Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Kotak Dynamic Bond 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	0.4%
3 Month	1.1%
6 Month	1.8%
1 Year	5.7%
3 Year	7.1%
5 Year	5.4%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9.3%
2023	6.5%
2022	2.5%
2021	3.2%
2020	11.7%
2019	11.1%
2018	7.3%
2017	5.6%
2016	13.4%
2015	7.5%

Fund Manager information for Kotak Dynamic Bond Fund

Name	Since	Tenure
Deepak Agrawal	25 Nov 12	12.94 Yr.
Abhishek Bisen	1 Nov 22	3 Yr.

Data below for Kotak Dynamic Bond Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	9.51%
Equity	7.41%
Debt	82.78%
Other	0.31%

Debt Sector Allocation

Sector	Value
Government	60.19%
Corporate	22.59%
Cash Equivalent	9.51%

Credit Quality

Rating	Value
AA	11.01%
AAA	88.99%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.3% Govt Stock 2053 Sovereign Bonds \| -	42%	₹1,161 Cr	116,000,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	12%	₹346 Cr	35,500,000
Muthoot Finance Limited Debentures \| -	6%	₹155 Cr	15,000
7.25% Govt Stock 2063 Sovereign Bonds \| -	4%	₹113 Cr	11,500,000 ↓ -1,000,000
Embassy Office Parks REIT (Real Estate) -, Since 31 May 21 \| 542602	4%	₹112 Cr	2,702,782
Bajaj Finance Limited Debentures \| -	4%	₹102 Cr	1,000
HDFC Bank Limited Debentures \| -	3%	₹88 Cr	850
TATA Steel Limited Debentures \| -	3%	₹76 Cr	750
HDFC Bank Limited Debentures \| -	2%	₹52 Cr	500
Indigrid Infrastructure Trust Debentures \| -	2%	₹50 Cr	5,000

2. Axis Strategic Bond Fund

(Erstwhile Axis Income Fund)

To generate optimal returns in the medium term while maintaining liquidity of the portfolio by investing in debt and money market instruments.

Research Highlights for Axis Strategic Bond Fund

Bottom quartile AUM (₹1,941 Cr).
Established history (13+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 8.20% (upper mid).
1M return: 0.19% (lower mid).
Sharpe: 1.59 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.78% (upper mid).
Modified duration: 3.34 yrs (lower mid).
Average maturity: 4.56 yrs (upper mid).
Exit load: 0-12 Months (1%),12 Months and above(NIL).
Top sector: Real Estate.
Top bond sector: Corporate.
Debt-heavy allocation (~96%).
High-quality debt (AAA/AA ~88%).
Largest holding 7.1% Govt Stock 2034 (~11.3%).

Below is the key information for Axis Strategic Bond Fund

Axis Strategic Bond Fund Growth
Launch Date	28 Mar 12
NAV (19 Dec 25)	₹28.8524 ↓ -0.01 (-0.02 %)
Net Assets (Cr)	₹1,941 on 30 Nov 25
Category	Debt - Medium term Bond
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.08
Sharpe Ratio	1.59
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	7.78%
Effective Maturity	4 Years 6 Months 22 Days
Modified Duration	3 Years 4 Months 2 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,565
30 Nov 22	₹10,941
30 Nov 23	₹11,680
30 Nov 24	₹12,735
30 Nov 25	₹13,828

Axis Strategic Bond 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 Strategic Bond 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	1.6%
6 Month	2.9%
1 Year	8.2%
3 Year	8%
5 Year	6.6%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.7%
2023	7.3%
2022	3.8%
2021	5.2%
2020	10.5%
2019	7.1%
2018	6.7%
2017	7.5%
2016	11.6%
2015	6.8%

Fund Manager information for Axis Strategic Bond Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	13 Yr.
Sachin Jain	1 Feb 23	2.75 Yr.
Akhil Thakker	1 Feb 23	2.75 Yr.

Data below for Axis Strategic Bond Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	3.09%
Equity	0.61%
Debt	96.01%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	62.68%
Government	30.71%
Cash Equivalent	3.09%
Securitized	2.63%

Credit Quality

Rating	Value
A	11.52%
AA	47.53%
AAA	40.95%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	11%	₹219 Cr	21,200,000
Jubilant Beverages Limited Debentures \| -	4%	₹69 Cr	6,500
GMR Hyderabad International Airport Ltd Debentures \| -	3%	₹66 Cr	6,500
6.79% Govt Stock 2034 Sovereign Bonds \| -	3%	₹61 Cr	6,031,900
Nirma Limited Debentures \| -	3%	₹61 Cr	6,000
Vedanta Limited Debentures \| -	3%	₹60 Cr	6,000
Nuvama Wealth Finance Limited Debentures \| -	3%	₹58 Cr	5,800
Delhi International Airport Limited Debentures \| -	3%	₹57 Cr	5,500
Dlf Cyber City Developers Ltd Debentures \| -	3%	₹56 Cr	5,500
Aditya Birla Digital Fashion Ventures Limited Debentures \| -	3%	₹55 Cr	5,500

3. ICICI Prudential Medium Term Bond Fund

(Erstwhile ICICI Prudential Corporate Bond Fund)

To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximizing income while maintaining the optimum balance of yield, safety and liquidity.

Research Highlights for ICICI Prudential Medium Term Bond Fund

Upper mid AUM (₹5,767 Cr).
Established history (21+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.92% (top quartile).
1M return: 0.28% (upper mid).
Sharpe: 2.02 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.73% (upper mid).
Modified duration: 3.09 yrs (upper mid).
Average maturity: 5.64 yrs (bottom quartile).
Exit load: 0-1 Years (1%),1 Years and above(NIL).
Top sector: Real Estate.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~88%).
High-quality debt (AAA/AA ~100%).
Largest holding Embassy Office Parks REIT (~3.4%).

Below is the key information for ICICI Prudential Medium Term Bond Fund

ICICI Prudential Medium Term Bond Fund Growth
Launch Date	15 Sep 04
NAV (19 Dec 25)	₹46.4461 ↑ 0.04 (0.09 %)
Net Assets (Cr)	₹5,767 on 15 Dec 25
Category	Debt - Medium term Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆
Risk	Moderate
Expense Ratio	1.37
Sharpe Ratio	2.02
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	7.73%
Effective Maturity	5 Years 7 Months 20 Days
Modified Duration	3 Years 1 Month 2 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,576
30 Nov 22	₹10,981
30 Nov 23	₹11,711
30 Nov 24	₹12,683
30 Nov 25	₹13,831

ICICI Prudential Medium Term Bond 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 ICICI Prudential Medium Term Bond 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	2%
6 Month	3.6%
1 Year	8.9%
3 Year	7.9%
5 Year	6.7%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8%
2023	7%
2022	4.2%
2021	5.5%
2020	10.4%
2019	9.2%
2018	5.1%
2017	6.5%
2016	10.2%
2015	8.4%

Fund Manager information for ICICI Prudential Medium Term Bond Fund

Name	Since	Tenure
Manish Banthia	7 Nov 16	8.99 Yr.
Akhil Kakkar	22 Jan 24	1.78 Yr.

Data below for ICICI Prudential Medium Term Bond Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	5.58%
Equity	6.51%
Debt	87.91%

Debt Sector Allocation

Sector	Value
Corporate	69.86%
Government	18.47%
Cash Equivalent	5.16%

Credit Quality

Rating	Value
AA	60.78%
AAA	39.22%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Embassy Office Parks REIT (Real Estate) -, Since 30 Apr 25 \| 542602	3%	₹198 Cr	4,765,556
7.1% Govt Stock 2034 Sovereign Bonds \| -	3%	₹193 Cr	18,708,200
7.34% Govt Stock 2064 Sovereign Bonds \| -	3%	₹186 Cr	18,801,500
Adani Enterprises Limited Debentures \| -	3%	₹175 Cr	17,500
Vedanta Limited Debentures \| -	3%	₹171 Cr	17,000
Jtpm Metal TRaders Limited Debentures \| -	3%	₹154 Cr	15,000
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	3%	₹154 Cr	150
Oberoi Realty Limited Debentures \| -	3%	₹153 Cr	15,000
TATA Projects Limited Debentures \| -	3%	₹151 Cr	15,000
Godrej Properties Limited Debentures \| -	2%	₹128 Cr	12,500

4. Kotak Medium Term Fund

The investment objective of the scheme is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments. There is no assurance or guarantee that the investment objective of the scheme will be achieved

Research Highlights for Kotak Medium Term Fund

Bottom quartile AUM (₹2,048 Cr).
Established history (11+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 8.70% (upper mid).
1M return: 0.19% (upper mid).
Sharpe: 1.63 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.64% (lower mid).
Modified duration: 3.28 yrs (upper mid).
Average maturity: 4.74 yrs (upper mid).
Exit load: 0-18 Months (2%),18 Months and above(NIL).
Top sector: Real Estate.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~86%).
High-quality debt (AAA/AA ~92%).
Largest holding Jtpm Metal TRaders Limited (~4.8%).

Below is the key information for Kotak Medium Term Fund

Kotak Medium Term Fund Growth
Launch Date	25 Mar 14
NAV (19 Dec 25)	₹23.5616 ↑ 0.01 (0.05 %)
Net Assets (Cr)	₹2,048 on 15 Dec 25
Category	Debt - Medium term Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.63
Sharpe Ratio	1.63
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-18 Months (2%),18 Months and above(NIL)
Yield to Maturity	7.64%
Effective Maturity	4 Years 8 Months 26 Days
Modified Duration	3 Years 3 Months 11 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,506
30 Nov 22	₹10,805
30 Nov 23	₹11,415
30 Nov 24	₹12,511
30 Nov 25	₹13,626

Kotak Medium Term 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 Kotak Medium Term 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	2%
6 Month	3.5%
1 Year	8.7%
3 Year	7.9%
5 Year	6.3%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9%
2023	6.1%
2022	3.2%
2021	4.7%
2020	8.5%
2019	7%
2018	5.4%
2017	6.6%
2016	10.9%
2015	9.3%

Fund Manager information for Kotak Medium Term Fund

Name	Since	Tenure
Deepak Agrawal	25 Mar 14	11.61 Yr.
Vihag Mishra	1 Jun 25	0.42 Yr.

Data below for Kotak Medium Term Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	6.15%
Equity	7.75%
Debt	85.84%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	67.66%
Government	14.25%
Cash Equivalent	6.48%
Securitized	3.6%

Credit Quality

Rating	Value
A	8.34%
AA	44.87%
AAA	46.79%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Jtpm Metal TRaders Limited Debentures \| -	5%	₹102 Cr	10,000
L&T Metro Rail (Hyderabad) Limited Debentures \| -	5%	₹100 Cr	10,000
Bamboo Hotel And Global Centre (Delhi) Private Limited Debentures \| -	4%	₹91 Cr	9,000
Embassy Office Parks REIT (Real Estate) -, Since 31 May 21 \| 542602	4%	₹83 Cr	1,998,346
TATA Steel Limited Debentures \| -	4%	₹76 Cr	750
7.18% Govt Stock 2033 Sovereign Bonds \| -	3%	₹68 Cr	6,543,470
Pipeline Infrastructure Limited Debentures \| -	3%	₹65 Cr	6,280
Aditya Birla Renewables Limited Debentures \| -	3%	₹61 Cr	6,000
Aditya Birla Real Estate Limited Debentures \| -	3%	₹56 Cr	5,500
7.09% Govt Stock 2054 Sovereign Bonds \| -	3%	₹54 Cr	5,500,000

5. HDFC Medium Term Debt Fund

(Erstwhile HDFC High Interest Fund - Short Term Plan)

To generate income by investing in a range of debt and money market instruments of various maturity dates with a view to maximising income while maintaining the optimum balance of yield, safety and liquidity. The objective is to cater to the needs of investors with shorter term investment horizons and to provide stable returns over shorter periods.

Research Highlights for HDFC Medium Term Debt Fund

Upper mid AUM (₹3,885 Cr).
Oldest track record among peers (23 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 7.50% (lower mid).
1M return: 0.18% (bottom quartile).
Sharpe: 0.93 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.60% (bottom quartile).
Modified duration: 3.36 yrs (bottom quartile).
Average maturity: 5.42 yrs (lower mid).
Exit load: 0-1 Months (0.25%),1 Months and above(NIL).
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~93%).
High-quality debt (AAA/AA ~96%).
Largest holding 7.18% Govt Stock 2037 (~7.3%).

Below is the key information for HDFC Medium Term Debt Fund

HDFC Medium Term Debt Fund Growth
Launch Date	6 Feb 02
NAV (19 Dec 25)	₹57.8184 ↑ 0.02 (0.04 %)
Net Assets (Cr)	₹3,885 on 30 Nov 25
Category	Debt - Medium term Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.29
Sharpe Ratio	0.93
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Months (0.25%),1 Months and above(NIL)
Yield to Maturity	7.6%
Effective Maturity	5 Years 5 Months 1 Day
Modified Duration	3 Years 4 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,541
30 Nov 22	₹10,815
30 Nov 23	₹11,503
30 Nov 24	₹12,469
30 Nov 25	₹13,445

HDFC Medium Term Debt 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 HDFC Medium Term 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 19 Dec 25

Duration	Returns
1 Month	0.2%
3 Month	1.5%
6 Month	2.6%
1 Year	7.5%
3 Year	7.4%
5 Year	6%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.1%
2023	6.7%
2022	2.9%
2021	5%
2020	10%
2019	9.1%
2018	5.6%
2017	5.5%
2016	11.5%
2015	7.4%

Fund Manager information for HDFC Medium Term Debt Fund

Name	Since	Tenure
Shobhit Mehrotra	1 Sep 07	18.18 Yr.
Dhruv Muchhal	22 Jun 23	2.36 Yr.
Bhavyesh Divecha	1 Mar 25	0.67 Yr.

Data below for HDFC Medium Term Debt Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	4.86%
Equity	2.12%
Debt	92.71%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	61.11%
Government	26.99%
Cash Equivalent	4.86%
Securitized	4.61%

Credit Quality

Rating	Value
A	3.8%
AA	48.78%
AAA	47.42%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2037 Sovereign Bonds \| -	7%	₹283 Cr	27,547,700
7.23% Govt Stock 2039 Sovereign Bonds \| -	5%	₹190 Cr	18,500,000
TATA Steel Limited Debentures \| -	4%	₹148 Cr	14,500
GMR Airports Limited Debentures \| -	4%	₹137 Cr	13,500
6.79% Govt Stock 2034 Sovereign Bonds \| -	3%	₹122 Cr	12,012,900
Jubilant Beverages Limited Debentures \| -	3%	₹114 Cr	10,720
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	3%	₹102 Cr	100 ↑ 25
Kalpataru Projects International Limited Debentures \| -	3%	₹101 Cr	10,000
SK Finance Limited Debentures \| -	3%	₹100 Cr	10,000
Sbfc Finance Limited Debentures \| -	3%	₹100 Cr	10,000

6. SBI Magnum Medium Duration Fund

(Erstwhile SBI Regular Savings Fund)

To provide attractive returns to the Magnum holders / Unit holders either through periodic dividends or through capital appreciation through an actively managed portfolio of debt, equity and money market instruments.

Research Highlights for SBI Magnum Medium Duration Fund

Highest AUM (₹6,898 Cr).
Established history (22+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.42% (bottom quartile).
1M return: 0.12% (bottom quartile).
Sharpe: 0.96 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.50% (bottom quartile).
Modified duration: 3.08 yrs (top quartile).
Average maturity: 4.27 yrs (top quartile).
Exit load: 0-12 Months (1.5%),12 Months and above(NIL).
Top sector: Real Estate.
Top bond sector: Corporate.
Debt-heavy allocation (~90%).
High-quality debt (AAA/AA ~93%).
Largest holding 7.18% Govt Stock 2033 (~10.0%).

Below is the key information for SBI Magnum Medium Duration Fund

SBI Magnum Medium Duration Fund Growth
Launch Date	12 Nov 03
NAV (19 Dec 25)	₹52.5026 ↓ -0.01 (-0.02 %)
Net Assets (Cr)	₹6,898 on 15 Dec 25
Category	Debt - Medium term Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.22
Sharpe Ratio	0.96
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1.5%),12 Months and above(NIL)
Yield to Maturity	7.5%
Effective Maturity	4 Years 3 Months 7 Days
Modified Duration	3 Years 29 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,432
30 Nov 22	₹10,747
30 Nov 23	₹11,493
30 Nov 24	₹12,450
30 Nov 25	₹13,419

SBI Magnum Medium Duration 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 SBI Magnum Medium Duration 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	1.5%
6 Month	2.5%
1 Year	7.4%
3 Year	7.5%
5 Year	6%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.1%
2023	7.2%
2022	3.4%
2021	3.8%
2020	12.3%
2019	11.1%
2018	6.2%
2017	7.6%
2016	14%
2015	6.6%

Fund Manager information for SBI Magnum Medium Duration Fund

Name	Since	Tenure
Lokesh Mallya	1 Dec 23	1.92 Yr.
Mohit Jain	30 Nov 17	7.93 Yr.

Data below for SBI Magnum Medium Duration Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	5.25%
Equity	3.99%
Debt	90.46%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	58.15%
Government	28.61%
Cash Equivalent	5.25%
Securitized	3.69%

Credit Quality

Rating	Value
A	6.52%
AA	45.62%
AAA	47.86%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	10%	₹690 Cr	66,500,000
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹407 Cr	40,000 ↓ -15,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	5%	₹345 Cr	33,500,000
Godrej Properties Limited Debentures \| -	4%	₹304 Cr	30,000
Avanse Financial Services Limited Debentures \| -	4%	₹251 Cr	25,000
6.68% Govt Stock 2040 Sovereign Bonds \| -	4%	₹245 Cr	25,000,000
Renew Solar Energy (Jharkhand Five) Private Limited Debentures \| -	3%	₹229 Cr	24,000
Yes Bank Limited Debentures \| -	3%	₹224 Cr	2,250
Aditya Birla Real Estate Limited Debentures \| -	3%	₹223 Cr	22,000
Renserv Global Private Limited Debentures \| -	3%	₹205 Cr	20,500

ಬಾಂಡ್ ಫಂಡ್‌ಗಳ ತೆರಿಗೆ

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ಅಲ್ಪಾವಧಿಯ ಬಂಡವಾಳ ಲಾಭಗಳು

ಸಾಲ ಹೂಡಿಕೆಯ ಹಿಡುವಳಿ ಅವಧಿಯು 36 ತಿಂಗಳುಗಳಿಗಿಂತ ಕಡಿಮೆಯಿದ್ದರೆ, ಅದನ್ನು ಅಲ್ಪಾವಧಿಯ ಹೂಡಿಕೆ ಎಂದು ವರ್ಗೀಕರಿಸಲಾಗುತ್ತದೆ ಮತ್ತು ಇವುಗಳನ್ನು ವ್ಯಕ್ತಿಯ ತೆರಿಗೆ ಸ್ಲ್ಯಾಬ್‌ನ ಪ್ರಕಾರ ತೆರಿಗೆ ವಿಧಿಸಲಾಗುತ್ತದೆ.

ದೀರ್ಘಾವಧಿಯ ಬಂಡವಾಳ ಲಾಭಗಳು

ಸಾಲ ಹೂಡಿಕೆಯ ಹಿಡುವಳಿ ಅವಧಿಯು 36 ತಿಂಗಳುಗಳಿಗಿಂತ ಹೆಚ್ಚಿದ್ದರೆ, ಅದನ್ನು ದೀರ್ಘಾವಧಿಯ ಹೂಡಿಕೆ ಎಂದು ವರ್ಗೀಕರಿಸಲಾಗುತ್ತದೆ ಮತ್ತು ಸೂಚ್ಯಂಕ ಪ್ರಯೋಜನದೊಂದಿಗೆ 20% ತೆರಿಗೆ ವಿಧಿಸಲಾಗುತ್ತದೆ.

ಬಂಡವಾಳದಲ್ಲಿ ಲಾಭ	ಹೂಡಿಕೆ ಹಿಡುವಳಿ ಲಾಭಗಳು	ತೆರಿಗೆ
ಅಲ್ಪಾವಧಿಯ ಬಂಡವಾಳ ಲಾಭಗಳು	36 ತಿಂಗಳಿಗಿಂತ ಕಡಿಮೆ	ವ್ಯಕ್ತಿಯ ತೆರಿಗೆ ಸ್ಲ್ಯಾಬ್ ಪ್ರಕಾರ
ದೀರ್ಘಾವಧಿಯ ಬಂಡವಾಳ ಲಾಭಗಳು	36 ತಿಂಗಳಿಗಿಂತ ಹೆಚ್ಚು	20% ಸೂಚ್ಯಂಕ ಪ್ರಯೋಜನಗಳೊಂದಿಗೆ

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ಇಲ್ಲಿ ಒದಗಿಸಲಾದ ಮಾಹಿತಿಯು ನಿಖರವಾಗಿದೆ ಎಂದು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಲು ಎಲ್ಲಾ ಪ್ರಯತ್ನಗಳನ್ನು ಮಾಡಲಾಗಿದೆ. ಆದಾಗ್ಯೂ, ಡೇಟಾದ ನಿಖರತೆಯ ಬಗ್ಗೆ ಯಾವುದೇ ಗ್ಯಾರಂಟಿಗಳನ್ನು ನೀಡಲಾಗುವುದಿಲ್ಲ. ಯಾವುದೇ ಹೂಡಿಕೆ ಮಾಡುವ ಮೊದಲು ದಯವಿಟ್ಟು ಸ್ಕೀಮ್ ಮಾಹಿತಿ ದಾಖಲೆಯೊಂದಿಗೆ ಪರಿಶೀಲಿಸಿ.