2022 ರ ಅತ್ಯುತ್ತಮ SWP ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು

Updated on February 16, 2026 , 54359 views

SWP ಅಥವಾ ವ್ಯವಸ್ಥಿತ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಯೋಜನೆ ಇದರ ವಿರುದ್ಧವಾಗಿದೆSIP. SWP ಯಲ್ಲಿ, ವ್ಯಕ್ತಿಗಳು ಮೊದಲು ಗಣನೀಯ ಮೊತ್ತವನ್ನು ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಯೋಜನೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತಾರೆ, ಅದು ಸಾಮಾನ್ಯವಾಗಿ ಕಡಿಮೆ ಮಟ್ಟದ ಅಪಾಯವನ್ನು ಹೊಂದಿರುತ್ತದೆ. ನಂತರ, ಅವರು ತಮ್ಮ ಅವಶ್ಯಕತೆಗಳಿಗೆ ಅನುಗುಣವಾಗಿ ನಿಯಮಿತ ಮಧ್ಯಂತರದಲ್ಲಿ ನಿಗದಿತ ಮೊತ್ತದ ಹಣವನ್ನು ಪಡೆದುಕೊಳ್ಳಲು ಪ್ರಾರಂಭಿಸುತ್ತಾರೆ.

ನಿಯಮಿತ ಮೂಲವನ್ನು ಹುಡುಕುತ್ತಿರುವ ವ್ಯಕ್ತಿಗಳಿಗೆ SWP ಸೂಕ್ತವಾಗಿದೆಆದಾಯ. SWP ಯಲ್ಲಿ, ಹಿಂಪಡೆಯುವ ಮೊತ್ತವನ್ನು ನಿಗದಿಪಡಿಸಲಾಗಿದೆ ಮತ್ತು ವಿವಿಧ ಮಧ್ಯಂತರಗಳು ವ್ಯಕ್ತಿಗಳ ಆಧಾರದ ಮೇಲೆ ಮಾಸಿಕ, ತ್ರೈಮಾಸಿಕ ಅಥವಾ ಸಾಪ್ತಾಹಿಕವನ್ನು ಒಳಗೊಂಡಿರುತ್ತವೆ.

SWP ಯಲ್ಲಿ, ವ್ಯಕ್ತಿಗಳು ಸಾಮಾನ್ಯವಾಗಿ ಕಡಿಮೆ ಮಟ್ಟದ ಅಪಾಯವನ್ನು ಹೊಂದಿರುವ ಯೋಜನೆಗಳನ್ನು ಆಯ್ಕೆ ಮಾಡಬಹುದು. ಅಂತಹ ಕೆಲವು ಯೋಜನೆಗಳು ದ್ರವ ನಿಧಿ, ಅಲ್ಟ್ರಾ ಅಲ್ಪಾವಧಿಯ ನಿಧಿ ಅಥವಾ ಇತರ ಸಾಲ ಯೋಜನೆಗಳಾಗಿರಬಹುದು. ಹೆಚ್ಚುವರಿಯಾಗಿ, ಅಧಿಕ-ಹೊಂದಿರುವ ವ್ಯಕ್ತಿಗಳುಅಪಾಯದ ಹಸಿವು ಹೂಡಿಕೆ ಮಾಡಲು ಆಯ್ಕೆ ಮಾಡಬಹುದುದೊಡ್ಡ ಕ್ಯಾಪ್ ನಿಧಿಗಳು. ಆದಾಗ್ಯೂ, ಅಪಾಯದ ಹಸಿವು ಹೆಚ್ಚಿರುವ ವ್ಯಕ್ತಿಗಳು ಈಕ್ವಿಟಿ ವರ್ಗದ ಅಡಿಯಲ್ಲಿ ದೊಡ್ಡ ಕ್ಯಾಪ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಆಯ್ಕೆ ಮಾಡಬಹುದು. ಆದ್ದರಿಂದ, SWP ಗಾಗಿ ಆಯ್ಕೆ ಮಾಡಬಹುದಾದ ಕೆಲವು ಅತ್ಯುತ್ತಮ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಯೋಜನೆಗಳನ್ನು ನಾವು ನೋಡೋಣದ್ರವ ನಿಧಿಗಳು, ಅಲ್ಟ್ರಾ ಅಲ್ಪಾವಧಿಯ ನಿಧಿಗಳು ಮತ್ತು ದೊಡ್ಡ ಕ್ಯಾಪ್ ನಿಧಿಗಳು.

SWP ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಏಕೆ ಹೂಡಿಕೆ ಮಾಡಿ?

SWP ಹಲವಾರು ಪ್ರಯೋಜನಗಳನ್ನು ಹೊಂದಿದೆ. ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ನಲ್ಲಿ SWP ಯ ಕೆಲವು ಪ್ರಮುಖ ಪ್ರಯೋಜನಗಳು ಈ ಕೆಳಗಿನಂತಿವೆ.

ಸ್ಥಿರ ಆದಾಯದ ಹರಿವು

SWP ಅನ್ನು ಸಾಮಾನ್ಯವಾಗಿ ಬಯಸುವ ವ್ಯಕ್ತಿಗಳು ಆಯ್ಕೆ ಮಾಡುತ್ತಾರೆಸ್ಥಿರ ಆದಾಯ ನಿವೃತ್ತ ವ್ಯಕ್ತಿಗಳು, ಸಬ್ಬತ್‌ನಲ್ಲಿ ಜನರು, ಮತ್ತು ಮುಂತಾದವುಗಳ ಒಳಹರಿವು. ಅಲ್ಲದೆ, SWP ಯಲ್ಲಿನ ಹೂಡಿಕೆಯು ಯೋಜನೆಯ ಕಾರ್ಯಕ್ಷಮತೆಯ ಆಧಾರದ ಮೇಲೆ ಆದಾಯವನ್ನು ಉತ್ಪಾದಿಸುತ್ತದೆ.

ಶಿಸ್ತುಬದ್ಧ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಅಭ್ಯಾಸ

ಏಕೆಂದರೆ, SWP ಯಿಂದ ಹಿಂತೆಗೆದುಕೊಳ್ಳಲಾದ ಮೊತ್ತವು ಸ್ಥಿರವಾಗಿರುತ್ತದೆ, ಇದು ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಶಿಸ್ತುಬದ್ಧ ಅಭ್ಯಾಸವನ್ನು ಸೃಷ್ಟಿಸುತ್ತದೆ. ಪರಿಣಾಮವಾಗಿ, ಇದು ತಡೆಯುತ್ತದೆಬಂಡವಾಳ ಹೂಡಿಕೆಯ ಮೇಲೆ ಸವೆತಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು.

ಪಿಂಚಣಿಗೆ ಬದಲಿ

ನಿವೃತ್ತ ವ್ಯಕ್ತಿಗಳಿಗೆ, SWP ಪಿಂಚಣಿಗೆ ಬದಲಿಯಾಗಿ ಕಾರ್ಯನಿರ್ವಹಿಸುತ್ತದೆ. ಆದ್ದರಿಂದ, ನಿವೃತ್ತ ವ್ಯಕ್ತಿಗಳು ಕೆಲವು ಸ್ಥಿರ ಆದಾಯಗಳ ಬಗ್ಗೆ ಭರವಸೆ ನೀಡಬಹುದು.

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FY 22 - 23 ಗಾಗಿ ಅತ್ಯುತ್ತಮ SWP ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು

ದ್ರವ ನಿಧಿಗಳು

SWP ಮಾಡುವಾಗ, ನಿಮ್ಮ ಬಂಡವಾಳದ ಸ್ಥಾನವನ್ನು ಉಳಿಸಿಕೊಳ್ಳುವುದು ಒಂದು ಪ್ರಮುಖ ಉದ್ದೇಶವಾಗಿದೆ. ಆದ್ದರಿಂದ, ಹೂಡಿಕೆದಾರರು ಕಡಿಮೆ ಮಟ್ಟದ ಅಪಾಯವನ್ನು ಹೊಂದಿರುವ ಯೋಜನೆಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಪ್ರಯತ್ನಿಸುತ್ತಾರೆ. ಆದ್ದರಿಂದ, ದ್ರವ ನಿಧಿಗಳು ಆದ್ಯತೆಯ ಆಯ್ಕೆಗಳಲ್ಲಿ ಒಂದಾಗಿದೆ ಏಕೆಂದರೆ ಇದು ಕಡಿಮೆ ಮಟ್ಟದ ಅಪಾಯವನ್ನು ಹೊಂದಿರುತ್ತದೆ. ಹೆಚ್ಚುವರಿಯಾಗಿ, ಉಳಿತಾಯಕ್ಕೆ ಹೋಲಿಸಿದರೆ ಹೆಚ್ಚಿನ ಆದಾಯವನ್ನು ಗಳಿಸಲು ದ್ರವ ನಿಧಿಗಳು ವ್ಯಕ್ತಿಗಳಿಗೆ ಸಹಾಯ ಮಾಡುತ್ತವೆಬ್ಯಾಂಕ್ ಖಾತೆ. ಇದಲ್ಲದೆ, ಜನರು ತಕ್ಷಣ ಮಾಡಬಹುದುವಿಮೋಚನೆ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ. ಆದ್ದರಿಂದ, ದ್ರವ ನಿಧಿಗಳು SWP ಸಂದರ್ಭದಲ್ಲಿ ಹೂಡಿಕೆಯ ಆಯ್ಕೆಗಳಲ್ಲಿ ಒಂದಾಗಿರಬಹುದು. ಕೆಲವುಅತ್ಯುತ್ತಮ ದ್ರವ ನಿಧಿಗಳು ಹೂಡಿಕೆಗಾಗಿ ಆಯ್ಕೆ ಮಾಡಬಹುದಾದಂತಹವುಗಳನ್ನು ಈ ಕೆಳಗಿನಂತೆ ಪಟ್ಟಿ ಮಾಡಲಾಗಿದೆ.

Fund	NAV	Net Assets (Cr)	1 MO (%)	3 MO (%)	6 MO (%)	1 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Edelweiss Liquid Fund Growth	₹3,464.75 ↑ 0.54	₹10,414	0.5	1.5	3	6.4	6.5	6.03%	2M 1D	2M 1D
DSP Liquidity Fund Growth	₹3,867.86 ↑ 0.64	₹17,777	0.5	1.5	3	6.4	6.5	5.98%	1M 2D	1M 6D
Tata Liquid Fund Growth	₹4,266.3 ↑ 0.70	₹18,946	0.5	1.5	2.9	6.4	6.5	6.08%	1M 28D	1M 28D
Canara Robeco Liquid Growth	₹3,260.19 ↑ 0.51	₹5,149	0.5	1.5	2.9	6.3	6.5	6.02%	2M 1D	2M 5D
Invesco India Liquid Fund Growth	₹3,723.07 ↑ 0.60	₹16,203	0.5	1.5	2.9	6.3	6.5	5.92%	1M 14D	1M 14D
Mirae Asset Cash Management Fund Growth	₹2,839.93 ↑ 0.47	₹15,757	0.5	1.5	2.9	6.3	6.5	5.85%	1M 6D	1M 10D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Feb 26

Research Highlights & Commentary of 6 Funds showcased

Commentary	Edelweiss Liquid Fund	DSP Liquidity Fund	Tata Liquid Fund	Canara Robeco Liquid	Invesco India Liquid Fund	Mirae Asset Cash Management Fund
Point 1	Bottom quartile AUM (₹10,414 Cr).	Upper mid AUM (₹17,777 Cr).	Highest AUM (₹18,946 Cr).	Bottom quartile AUM (₹5,149 Cr).	Upper mid AUM (₹16,203 Cr).	Lower mid AUM (₹15,757 Cr).
Point 2	Established history (18+ yrs).	Established history (20+ yrs).	Oldest track record among peers (21 yrs).	Established history (17+ yrs).	Established history (19+ yrs).	Established history (17+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Rating: 3★ (upper mid).	Top rated.	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 6.36% (top quartile).	1Y return: 6.35% (upper mid).	1Y return: 6.35% (upper mid).	1Y return: 6.35% (lower mid).	1Y return: 6.34% (bottom quartile).	1Y return: 6.30% (bottom quartile).
Point 6	1M return: 0.55% (top quartile).	1M return: 0.54% (upper mid).	1M return: 0.52% (bottom quartile).	1M return: 0.54% (upper mid).	1M return: 0.53% (bottom quartile).	1M return: 0.54% (lower mid).
Point 7	Sharpe: 3.82 (top quartile).	Sharpe: 3.55 (upper mid).	Sharpe: 3.23 (bottom quartile).	Sharpe: 3.22 (bottom quartile).	Sharpe: 3.28 (lower mid).	Sharpe: 3.40 (upper mid).
Point 8	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.43 (top quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.03% (upper mid).	Yield to maturity (debt): 5.98% (lower mid).	Yield to maturity (debt): 6.08% (top quartile).	Yield to maturity (debt): 6.02% (upper mid).	Yield to maturity (debt): 5.92% (bottom quartile).	Yield to maturity (debt): 5.85% (bottom quartile).
Point 10	Modified duration: 0.17 yrs (bottom quartile).	Modified duration: 0.09 yrs (top quartile).	Modified duration: 0.16 yrs (lower mid).	Modified duration: 0.17 yrs (bottom quartile).	Modified duration: 0.12 yrs (upper mid).	Modified duration: 0.10 yrs (upper mid).

Edelweiss Liquid Fund

Bottom quartile AUM (₹10,414 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.36% (top quartile).
1M return: 0.55% (top quartile).
Sharpe: 3.82 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.03% (upper mid).
Modified duration: 0.17 yrs (bottom quartile).

DSP Liquidity Fund

Upper mid AUM (₹17,777 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: Low.
1Y return: 6.35% (upper mid).
1M return: 0.54% (upper mid).
Sharpe: 3.55 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 5.98% (lower mid).
Modified duration: 0.09 yrs (top quartile).

Tata Liquid Fund

Highest AUM (₹18,946 Cr).
Oldest track record among peers (21 yrs).
Top rated.
Risk profile: Low.
1Y return: 6.35% (upper mid).
1M return: 0.52% (bottom quartile).
Sharpe: 3.23 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.08% (top quartile).
Modified duration: 0.16 yrs (lower mid).

Canara Robeco Liquid

Bottom quartile AUM (₹5,149 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.35% (lower mid).
1M return: 0.54% (upper mid).
Sharpe: 3.22 (bottom quartile).
Information ratio: 0.43 (top quartile).
Yield to maturity (debt): 6.02% (upper mid).
Modified duration: 0.17 yrs (bottom quartile).

Invesco India Liquid Fund

Upper mid AUM (₹16,203 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.34% (bottom quartile).
1M return: 0.53% (bottom quartile).
Sharpe: 3.28 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.92% (bottom quartile).
Modified duration: 0.12 yrs (upper mid).

Mirae Asset Cash Management Fund

Lower mid AUM (₹15,757 Cr).
Established history (17+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.30% (bottom quartile).
1M return: 0.54% (lower mid).
Sharpe: 3.40 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.85% (bottom quartile).
Modified duration: 0.10 yrs (upper mid).

ಅಲ್ಟ್ರಾ ಅಲ್ಪಾವಧಿಯ ನಿಧಿಗಳು

ಅಲ್ಟ್ರಾಅಲ್ಪಾವಧಿ ನಿಧಿಗಳು ಲಿಕ್ವಿಡ್ ಫಂಡ್‌ಗಳ ಮೇಲಿನ ಒಂದು ಹಂತವಾಗಿದೆ. ಲಿಕ್ವಿಡ್ ಫಂಡ್‌ಗಳಿಗೆ ಹೋಲಿಸಿದರೆ ಈ ಯೋಜನೆಯನ್ನು ಆಯ್ಕೆಮಾಡುವ ವ್ಯಕ್ತಿಗಳು ಸ್ವಲ್ಪ ಹೆಚ್ಚಿನ ಅಪಾಯ-ಹಸಿವನ್ನು ಹೊಂದಿರುತ್ತಾರೆ. ಆದಾಗ್ಯೂ, ಲಿಕ್ವಿಡ್ ಫಂಡ್‌ಗಳಿಗೆ ಹೋಲಿಸಿದರೆ ಈ ಯೋಜನೆಯು ಹೆಚ್ಚಿನ ಆದಾಯವನ್ನು ಗಳಿಸುತ್ತದೆ. ಅಲ್ಟ್ರಾ ಅಲ್ಪಾವಧಿಯ ನಿಧಿಯು ತನ್ನ ಕಾರ್ಪಸ್ ಅನ್ನು ಸ್ಥಿರ ಆದಾಯದ ಸಾಧನಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತದೆ, ಅದರ ಮುಕ್ತಾಯ ಅವಧಿಯು 91 ದಿನಗಳಿಗಿಂತ ಹೆಚ್ಚು ಮತ್ತು ಒಂದು ವರ್ಷಕ್ಕಿಂತ ಕಡಿಮೆ ಇರುತ್ತದೆ. ಈ ಯೋಜನೆಯು ಅಲ್ಪಾವಧಿಯ ಹೂಡಿಕೆಗಳಿಗೆ ಸೂಕ್ತವಾಗಿದೆ. ಕೆಲವು ಅತ್ಯುತ್ತಮ ಅಲ್ಟ್ರಾ ಅಲ್ಪಾವಧಿ ನಿಧಿಗಳನ್ನು ಕೆಳಗೆ ಪಟ್ಟಿ ಮಾಡಲಾಗಿದೆ.

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
ICICI Prudential Ultra Short Term Fund Growth	₹28.7729 ↑ 0.00	₹16,907	1.3	2.9	6.9	7.1	7.1	6.82%	5M 19D	7M 10D
SBI Magnum Ultra Short Duration Fund Growth	₹6,203.48 ↑ 0.43	₹14,639	1.4	2.9	6.8	7.1	7	6.49%	5M 5D	5M 23D
Kotak Savings Fund Growth	₹44.4766 ↑ 0.00	₹14,243	1.3	2.8	6.7	6.9	6.8	6.66%	5M 26D	6M 25D
Nippon India Ultra Short Duration Fund Growth	₹4,179.65 ↑ 0.02	₹11,060	1.4	2.8	6.6	6.9	6.8	7%	3Y 6M 18D	4Y 8M 8D
Invesco India Ultra Short Term Fund Growth	₹2,795.48 ↓ -0.18	₹1,234	1.3	2.7	6.5	6.9	6.8	6.57%	5M 16D	5M 24D
UTI Ultra Short Term Fund Growth	₹4,391.78 ↑ 0.08	₹3,655	1.3	2.7	6.4	6.8	6.6	6.78%	5M 21D	6M 24D
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 6 Funds showcased

Commentary	ICICI Prudential Ultra Short Term Fund	SBI Magnum Ultra Short Duration Fund	Kotak Savings Fund	Nippon India Ultra Short Duration Fund	Invesco India Ultra Short Term Fund	UTI Ultra Short Term Fund
Point 1	Highest AUM (₹16,907 Cr).	Upper mid AUM (₹14,639 Cr).	Upper mid AUM (₹14,243 Cr).	Lower mid AUM (₹11,060 Cr).	Bottom quartile AUM (₹1,234 Cr).	Bottom quartile AUM (₹3,655 Cr).
Point 2	Established history (14+ yrs).	Oldest track record among peers (26 yrs).	Established history (21+ yrs).	Established history (24+ yrs).	Established history (15+ yrs).	Established history (22+ yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (bottom quartile).	Top rated.
Point 4	Risk profile: Moderate.	Risk profile: Low.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	1Y return: 6.88% (top quartile).	1Y return: 6.77% (upper mid).	1Y return: 6.66% (upper mid).	1Y return: 6.62% (lower mid).	1Y return: 6.54% (bottom quartile).	1Y return: 6.43% (bottom quartile).
Point 6	1M return: 0.60% (upper mid).	1M return: 0.58% (lower mid).	1M return: 0.59% (upper mid).	1M return: 0.62% (top quartile).	1M return: 0.57% (bottom quartile).	1M return: 0.58% (bottom quartile).
Point 7	Sharpe: 2.94 (top quartile).	Sharpe: 2.90 (upper mid).	Sharpe: 2.06 (bottom quartile).	Sharpe: 2.30 (lower mid).	Sharpe: 2.41 (upper mid).	Sharpe: 1.85 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	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): 6.82% (upper mid).	Yield to maturity (debt): 6.49% (bottom quartile).	Yield to maturity (debt): 6.66% (lower mid).	Yield to maturity (debt): 7.00% (top quartile).	Yield to maturity (debt): 6.57% (bottom quartile).	Yield to maturity (debt): 6.78% (upper mid).
Point 10	Modified duration: 0.47 yrs (upper mid).	Modified duration: 0.43 yrs (top quartile).	Modified duration: 0.49 yrs (bottom quartile).	Modified duration: 3.55 yrs (bottom quartile).	Modified duration: 0.46 yrs (upper mid).	Modified duration: 0.47 yrs (lower mid).

ICICI Prudential Ultra Short Term Fund

Highest AUM (₹16,907 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.88% (top quartile).
1M return: 0.60% (upper mid).
Sharpe: 2.94 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.82% (upper mid).
Modified duration: 0.47 yrs (upper mid).

SBI Magnum Ultra Short Duration Fund

Upper mid AUM (₹14,639 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (upper mid).
Risk profile: Low.
1Y return: 6.77% (upper mid).
1M return: 0.58% (lower mid).
Sharpe: 2.90 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.49% (bottom quartile).
Modified duration: 0.43 yrs (top quartile).

Kotak Savings Fund

Upper mid AUM (₹14,243 Cr).
Established history (21+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 6.66% (upper mid).
1M return: 0.59% (upper mid).
Sharpe: 2.06 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.66% (lower mid).
Modified duration: 0.49 yrs (bottom quartile).

Nippon India Ultra Short Duration Fund

Lower mid AUM (₹11,060 Cr).
Established history (24+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.62% (lower mid).
1M return: 0.62% (top quartile).
Sharpe: 2.30 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.00% (top quartile).
Modified duration: 3.55 yrs (bottom quartile).

Invesco India Ultra Short Term Fund

Bottom quartile AUM (₹1,234 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.54% (bottom quartile).
1M return: 0.57% (bottom quartile).
Sharpe: 2.41 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.57% (bottom quartile).
Modified duration: 0.46 yrs (upper mid).

UTI Ultra Short Term Fund

Bottom quartile AUM (₹3,655 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.43% (bottom quartile).
1M return: 0.58% (bottom quartile).
Sharpe: 1.85 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.78% (upper mid).
Modified duration: 0.47 yrs (lower mid).

ದೊಡ್ಡ ಕ್ಯಾಪ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು

SWP ಯ ಸಂದರ್ಭದಲ್ಲಿ ದೊಡ್ಡ ಕ್ಯಾಪ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು ಹೂಡಿಕೆ ಮಾಡಲು ಬಯಸುವ ವ್ಯಕ್ತಿಗಳಿಗೆ ಸೂಕ್ತವಾಗಿದೆಇಕ್ವಿಟಿ ಫಂಡ್‌ಗಳು. ಆದಾಗ್ಯೂ, SWP ಆಯ್ಕೆಯನ್ನು ಆರಿಸುವಾಗ ಈಕ್ವಿಟಿ ಫಂಡ್‌ಗಳನ್ನು ತಪ್ಪಿಸಲು ಸಾಧ್ಯವಿದೆ. ಇತರ ಇಕ್ವಿಟಿ ಫಂಡ್‌ಗಳಿಗೆ ಹೋಲಿಸಿದರೆ ದೊಡ್ಡ ಕ್ಯಾಪ್ ಫಂಡ್‌ಗಳ ಸಂದರ್ಭದಲ್ಲಿ ಚಂಚಲತೆ ಕಡಿಮೆಯಾದರೂ; ಆದಾಯವು ಖಾತರಿಯಿಲ್ಲ. ಆದಾಗ್ಯೂ, ದೀರ್ಘಾವಧಿಯ ಹೂಡಿಕೆಯ ಆಯ್ಕೆಗೆ ಅವು ಒಳ್ಳೆಯದು. ದೊಡ್ಡ ಕ್ಯಾಪ್ ವರ್ಗದ ಅಡಿಯಲ್ಲಿ ಕೆಲವು ಉತ್ತಮ ಯೋಜನೆಗಳು ಈ ಕೆಳಗಿನಂತಿವೆ.

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
IDBI India Top 100 Equity Fund Growth	₹44.16 ↑ 0.05	₹655	9.2	12.5	15.4	21.9	12.6
DSP TOP 100 Equity Growth	₹477.644 ↓ -5.59	₹7,285	-0.2	2.8	11.6	18	13.5	8.4
Bandhan Large Cap Fund Growth	₹78.769 ↓ -1.19	₹2,051	0.2	3.8	16.8	17.8	13.1	8.2
JM Core 11 Fund Growth	₹19.7662 ↓ -0.36	₹299	-3.5	0.8	10.6	17.3	13.8	-1.9
Invesco India Largecap Fund Growth	₹69.46 ↓ -0.98	₹1,718	-3.3	0.3	13.4	17.2	13.9	5.5
TATA Large Cap Fund Growth	₹515.674 ↓ -7.54	₹2,840	0.6	5.6	13.8	15.7	13.1	9.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jul 23

Research Highlights & Commentary of 6 Funds showcased

Commentary	IDBI India Top 100 Equity Fund	DSP TOP 100 Equity	Bandhan Large Cap Fund	JM Core 11 Fund	Invesco India Largecap Fund	TATA Large Cap Fund
Point 1	Bottom quartile AUM (₹655 Cr).	Highest AUM (₹7,285 Cr).	Upper mid AUM (₹2,051 Cr).	Bottom quartile AUM (₹299 Cr).	Lower mid AUM (₹1,718 Cr).	Upper mid AUM (₹2,840 Cr).
Point 2	Established history (13+ yrs).	Established history (22+ yrs).	Established history (19+ yrs).	Established history (17+ yrs).	Established history (16+ yrs).	Oldest track record among peers (27 yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 2★ (bottom quartile).	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 12.61% (bottom quartile).	5Y return: 13.50% (upper mid).	5Y return: 13.15% (lower mid).	5Y return: 13.77% (upper mid).	5Y return: 13.94% (top quartile).	5Y return: 13.13% (bottom quartile).
Point 6	3Y return: 21.88% (top quartile).	3Y return: 18.00% (upper mid).	3Y return: 17.77% (upper mid).	3Y return: 17.28% (lower mid).	3Y return: 17.15% (bottom quartile).	3Y return: 15.70% (bottom quartile).
Point 7	1Y return: 15.39% (upper mid).	1Y return: 11.61% (bottom quartile).	1Y return: 16.85% (top quartile).	1Y return: 10.63% (bottom quartile).	1Y return: 13.37% (lower mid).	1Y return: 13.81% (upper mid).
Point 8	Alpha: 2.11 (top quartile).	Alpha: -1.17 (upper mid).	Alpha: -2.13 (lower mid).	Alpha: -9.25 (bottom quartile).	Alpha: -5.05 (bottom quartile).	Alpha: -0.83 (upper mid).
Point 9	Sharpe: 1.09 (top quartile).	Sharpe: 0.26 (upper mid).	Sharpe: 0.21 (lower mid).	Sharpe: -0.39 (bottom quartile).	Sharpe: 0.04 (bottom quartile).	Sharpe: 0.30 (upper mid).
Point 10	Information ratio: 0.14 (bottom quartile).	Information ratio: 0.74 (top quartile).	Information ratio: 0.72 (upper mid).	Information ratio: 0.16 (bottom quartile).	Information ratio: 0.67 (upper mid).	Information ratio: 0.30 (lower mid).

IDBI India Top 100 Equity Fund

Bottom quartile AUM (₹655 Cr).
Established history (13+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 12.61% (bottom quartile).
3Y return: 21.88% (top quartile).
1Y return: 15.39% (upper mid).
Alpha: 2.11 (top quartile).
Sharpe: 1.09 (top quartile).
Information ratio: 0.14 (bottom quartile).

DSP TOP 100 Equity

Highest AUM (₹7,285 Cr).
Established history (22+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 13.50% (upper mid).
3Y return: 18.00% (upper mid).
1Y return: 11.61% (bottom quartile).
Alpha: -1.17 (upper mid).
Sharpe: 0.26 (upper mid).
Information ratio: 0.74 (top quartile).

Bandhan Large Cap Fund

Upper mid AUM (₹2,051 Cr).
Established history (19+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 13.15% (lower mid).
3Y return: 17.77% (upper mid).
1Y return: 16.85% (top quartile).
Alpha: -2.13 (lower mid).
Sharpe: 0.21 (lower mid).
Information ratio: 0.72 (upper mid).

JM Core 11 Fund

Bottom quartile AUM (₹299 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: High.
5Y return: 13.77% (upper mid).
3Y return: 17.28% (lower mid).
1Y return: 10.63% (bottom quartile).
Alpha: -9.25 (bottom quartile).
Sharpe: -0.39 (bottom quartile).
Information ratio: 0.16 (bottom quartile).

Invesco India Largecap Fund

Lower mid AUM (₹1,718 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.94% (top quartile).
3Y return: 17.15% (bottom quartile).
1Y return: 13.37% (lower mid).
Alpha: -5.05 (bottom quartile).
Sharpe: 0.04 (bottom quartile).
Information ratio: 0.67 (upper mid).

TATA Large Cap Fund

Upper mid AUM (₹2,840 Cr).
Oldest track record among peers (27 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 13.13% (bottom quartile).
3Y return: 15.70% (bottom quartile).
1Y return: 13.81% (upper mid).
Alpha: -0.83 (upper mid).
Sharpe: 0.30 (upper mid).
Information ratio: 0.30 (lower mid).

1. IDBI India Top 100 Equity Fund

The Investment objective of the Scheme is to provide investors with the opportunities for long-term capital appreciation by investing predominantly in Equity and Equity related Instruments of Large Cap companies. However there can be no assurance that the investment objective under the Scheme will be realized.

Research Highlights for IDBI India Top 100 Equity Fund

Bottom quartile AUM (₹655 Cr).
Established history (13+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 12.61% (bottom quartile).
3Y return: 21.88% (top quartile).
1Y return: 15.39% (upper mid).
Alpha: 2.11 (top quartile).
Sharpe: 1.09 (top quartile).
Information ratio: 0.14 (bottom quartile).

Below is the key information for IDBI India Top 100 Equity Fund

IDBI India Top 100 Equity Fund Growth
Launch Date	15 May 12
NAV (28 Jul 23)	₹44.16 ↑ 0.05 (0.11 %)
Net Assets (Cr)	₹655 on 30 Jun 23
Category	Equity - Large Cap
AMC	IDBI Asset Management Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.47
Sharpe Ratio	1.09
Information Ratio	0.14
Alpha Ratio	2.11
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	₹13,389
31 Jan 23	₹13,450

IDBI India Top 100 Equity 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 IDBI India Top 100 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 28 Jul 23

Duration	Returns
1 Month	3%
3 Month	9.2%
6 Month	12.5%
1 Year	15.4%
3 Year	21.9%
5 Year	12.6%
10 Year
15 Year
Since launch	14.2%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for IDBI India Top 100 Equity Fund

Name	Since	Tenure

Data below for IDBI India Top 100 Equity Fund as on 30 Jun 23

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

2. DSP TOP 100 Equity

The Fund is seeking to generate capital appreciation, from a portfolio that is substantially constituted of equity and equity related securities of the 100 largest corporates, by market capitalisation, listed in India.

Research Highlights for DSP TOP 100 Equity

Highest AUM (₹7,285 Cr).
Established history (22+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 13.50% (upper mid).
3Y return: 18.00% (upper mid).
1Y return: 11.61% (bottom quartile).
Alpha: -1.17 (upper mid).
Sharpe: 0.26 (upper mid).
Information ratio: 0.74 (top quartile).
Higher exposure to Financial Services vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~92%).
Largest holding HDFC Bank Ltd (~9.4%).

Below is the key information for DSP TOP 100 Equity

DSP TOP 100 Equity Growth
Launch Date	10 Mar 03
NAV (19 Feb 26)	₹477.644 ↓ -5.59 (-1.16 %)
Net Assets (Cr)	₹7,285 on 31 Dec 25
Category	Equity - Large Cap
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.94
Sharpe Ratio	0.26
Information Ratio	0.74
Alpha Ratio	-1.17
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	₹12,004
31 Jan 23	₹12,170
31 Jan 24	₹15,679
31 Jan 25	₹18,517
31 Jan 26	₹19,861

DSP TOP 100 Equity SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for DSP TOP 100 Equity

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

Duration	Returns
1 Month	0.4%
3 Month	-0.2%
6 Month	2.8%
1 Year	11.6%
3 Year	18%
5 Year	13.5%
10 Year
15 Year
Since launch	18.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.4%
2023	20.5%
2022	26.6%
2021	1.4%
2020	19.5%
2019	7.5%
2018	14.8%
2017	-2.7%
2016	26.5%
2015	4.9%

Fund Manager information for DSP TOP 100 Equity

Name	Since	Tenure
Abhishek Singh	1 Jun 22	3.67 Yr.

Data below for DSP TOP 100 Equity as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	44.89%
Consumer Cyclical	10.18%
Health Care	8.5%
Technology	7.92%
Utility	7.42%
Consumer Defensive	5.58%
Energy	3.83%
Communication Services	1.61%
Basic Materials	1.02%
Industrials	0.77%

Asset Allocation

Asset Class	Value
Cash	8.29%
Equity	91.71%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 14 \| HDFCBANK	9%	₹677 Cr	7,283,795 ↑ 538,378
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jul 16 \| ICICIBANK	8%	₹596 Cr	4,401,409
Infosys Ltd (Technology) Equity, Since 30 Sep 19 \| INFY	7%	₹471 Cr	2,872,960 ↑ 86,613
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 21 \| AXISBANK	6%	₹446 Cr	3,257,465
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 28 Feb 22 \| M&M	6%	₹412 Cr	1,201,992
ITC Ltd (Consumer Defensive) Equity, Since 31 Mar 21 \| ITC	6%	₹400 Cr	12,408,865 ↑ 1,432,417
NTPC Ltd (Utilities) Equity, Since 30 Nov 23 \| NTPC	5%	₹357 Cr	10,021,653
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 May 24 \| KOTAKBANK	4%	₹310 Cr	7,592,385
State Bank of India (Financial Services) Equity, Since 30 Nov 22 \| SBIN	4%	₹294 Cr	2,732,969
Cipla Ltd (Healthcare) Equity, Since 30 Jun 20 \| CIPLA	4%	₹264 Cr	1,993,692 ↑ 99,620

3. Bandhan Large Cap Fund

(Erstwhile IDFC Equity Fund)

The investment objective of the scheme is to seek to generate capital growth from a portfolio of predominantly equity and equity related instruments (including Equity Derivatives). The scheme may also invest in debt & money market instruments to generate reasonable income. However there is no assurance or guarantee that the objectives of the scheme will be realized.

Research Highlights for Bandhan Large Cap Fund

Upper mid AUM (₹2,051 Cr).
Established history (19+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 13.15% (lower mid).
3Y return: 17.77% (upper mid).
1Y return: 16.85% (top quartile).
Alpha: -2.13 (lower mid).
Sharpe: 0.21 (lower mid).
Information ratio: 0.72 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding HDFC Bank Ltd (~9.1%).

Below is the key information for Bandhan Large Cap Fund

Bandhan Large Cap Fund Growth
Launch Date	9 Jun 06
NAV (19 Feb 26)	₹78.769 ↓ -1.19 (-1.49 %)
Net Assets (Cr)	₹2,051 on 31 Dec 25
Category	Equity - Large Cap
AMC	IDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	2.07
Sharpe Ratio	0.21
Information Ratio	0.72
Alpha Ratio	-2.13
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹12,803
31 Jan 23	₹12,233
31 Jan 24	₹16,259
31 Jan 25	₹18,015
31 Jan 26	₹19,816

Bandhan Large Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for Bandhan Large Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

Duration	Returns
1 Month	0.6%
3 Month	0.2%
6 Month	3.8%
1 Year	16.8%
3 Year	17.8%
5 Year	13.1%
10 Year
15 Year
Since launch	11.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.2%
2023	18.7%
2022	26.8%
2021	-2.3%
2020	26.8%
2019	17.4%
2018	10.6%
2017	-4.2%
2016	34.2%
2015	5.3%

Fund Manager information for Bandhan Large Cap Fund

Name	Since	Tenure
Manish Gunwani	2 Dec 24	1.16 Yr.
Prateek Poddar	2 Dec 24	1.16 Yr.
Ritika Behera	7 Oct 23	2.32 Yr.
Gaurav Satra	7 Jun 24	1.65 Yr.

Data below for Bandhan Large Cap Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	32.37%
Consumer Cyclical	14.12%
Technology	11.26%
Basic Materials	8.74%
Health Care	7.1%
Energy	6.3%
Industrials	6.12%
Consumer Defensive	4.82%
Utility	4.2%
Communication Services	3.14%
Real Estate	1.3%

Asset Allocation

Asset Class	Value
Cash	0.53%
Equity	99.47%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 07 \| HDFCBANK	9%	₹179 Cr	1,931,189 ↓ -15,076
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	7%	₹144 Cr	1,063,574 ↑ 48,343
Reliance Industries Ltd (Energy) Equity, Since 28 Feb 07 \| RELIANCE	6%	₹121 Cr	863,977 ↓ -140,960
Infosys Ltd (Technology) Equity, Since 31 Aug 11 \| INFY	5%	₹101 Cr	612,833 ↓ -20,859
State Bank of India (Financial Services) Equity, Since 31 Dec 24 \| SBIN	4%	₹77 Cr	713,977 ↑ 13,263
NTPC Ltd (Utilities) Equity, Since 31 Dec 24 \| NTPC	4%	₹76 Cr	2,140,308 ↓ -55,910
Axis Bank Ltd (Financial Services) Equity, Since 30 Nov 22 \| AXISBANK	4%	₹76 Cr	551,673 ↓ -67,863
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Jan 19 \| LT	3%	₹64 Cr	162,111 ↓ -3,898
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 24 \| BHARTIARTL	3%	₹62 Cr	315,769 ↑ 53,076
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Apr 24 \| M&M	3%	₹55 Cr	159,168 ↓ -10,832

4. JM Core 11 Fund

The investment objective of the Scheme is to provide long-term growth by investing predominantly in a concentrated portfolio of equity / equity related instruments of companies.

Research Highlights for JM Core 11 Fund

Bottom quartile AUM (₹299 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: High.
5Y return: 13.77% (upper mid).
3Y return: 17.28% (lower mid).
1Y return: 10.63% (bottom quartile).
Alpha: -9.25 (bottom quartile).
Sharpe: -0.39 (bottom quartile).
Information ratio: 0.16 (bottom quartile).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding Ujjivan Small Finance Bank Ltd Ordinary Shares (~6.4%).

Below is the key information for JM Core 11 Fund

JM Core 11 Fund Growth
Launch Date	5 Mar 08
NAV (19 Feb 26)	₹19.7662 ↓ -0.36 (-1.77 %)
Net Assets (Cr)	₹299 on 31 Dec 25
Category	Equity - Large Cap
AMC	JM Financial Asset Management Limited
Rating	☆☆☆☆
Risk	High
Expense Ratio	2.38
Sharpe Ratio	-0.39
Information Ratio	0.16
Alpha Ratio	-9.25
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-60 Days (1%),60 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹12,270
31 Jan 23	₹12,543
31 Jan 24	₹18,111
31 Jan 25	₹20,012
31 Jan 26	₹20,072

JM Core 11 Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for JM Core 11 Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

Duration	Returns
1 Month	0.1%
3 Month	-3.5%
6 Month	0.8%
1 Year	10.6%
3 Year	17.3%
5 Year	13.8%
10 Year
15 Year
Since launch	3.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-1.9%
2023	24.3%
2022	32.9%
2021	7.1%
2020	16.3%
2019	6.3%
2018	10.6%
2017	-5%
2016	43.1%
2015	11.1%

Fund Manager information for JM Core 11 Fund

Name	Since	Tenure
Satish Ramanathan	1 Oct 24	1.34 Yr.
Asit Bhandarkar	25 Feb 09	16.95 Yr.
Ruchi Fozdar	4 Oct 24	1.33 Yr.
Deepak Gupta	11 Apr 25	0.81 Yr.

Data below for JM Core 11 Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	27.18%
Financial Services	26.49%
Industrials	14.84%
Technology	14.46%
Basic Materials	5.4%
Health Care	5.36%
Communication Services	4.23%

Asset Allocation

Asset Class	Value
Cash	2.05%
Equity	97.95%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Ujjivan Small Finance Bank Ltd Ordinary Shares (Financial Services) Equity, Since 31 May 25 \| UJJIVANSFB	6%	₹18 Cr	2,801,722
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 24 \| HDFCBANK	6%	₹16 Cr	174,000 ↑ 40,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Oct 11 \| LT	5%	₹15 Cr	38,507
IDFC First Bank Ltd (Financial Services) Equity, Since 30 Apr 25 \| IDFCFIRSTB	5%	₹15 Cr	1,800,000 ↑ 100,000
Eicher Motors Ltd (Consumer Cyclical) Equity, Since 28 Feb 25 \| EICHERMOT	5%	₹15 Cr	21,000
Titan Co Ltd (Consumer Cyclical) Equity, Since 30 Sep 24 \| TITAN	5%	₹14 Cr	34,560 ↓ -13,000
Eternal Ltd (Consumer Cyclical) Equity, Since 30 Nov 23 \| 543320	4%	₹12 Cr	445,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 24 \| BHARTIARTL	4%	₹12 Cr	61,000
One97 Communications Ltd (Technology) Equity, Since 31 May 25 \| 543396	4%	₹12 Cr	105,000 ↑ 5,000
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Mar 23 \| AMBER	4%	₹11 Cr	19,050

5. Invesco India Largecap Fund

(Erstwhile Invesco India Business Leaders Fund)

To generate long term capital appreciation by investing in equity and equity related instruments including equity derivatives of companies which in our opinion are leaders in their respective industry or industry segment. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns.

Research Highlights for Invesco India Largecap Fund

Lower mid AUM (₹1,718 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.94% (top quartile).
3Y return: 17.15% (bottom quartile).
1Y return: 13.37% (lower mid).
Alpha: -5.05 (bottom quartile).
Sharpe: 0.04 (bottom quartile).
Information ratio: 0.67 (upper mid).
Top sector: Financial Services.
Equity-heavy allocation (~100%).
Largest holding ICICI Bank Ltd (~7.9%).

Below is the key information for Invesco India Largecap Fund

Invesco India Largecap Fund Growth
Launch Date	21 Aug 09
NAV (19 Feb 26)	₹69.46 ↓ -0.98 (-1.39 %)
Net Assets (Cr)	₹1,718 on 31 Dec 25
Category	Equity - Large Cap
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.1
Sharpe Ratio	0.04
Information Ratio	0.67
Alpha Ratio	-5.05
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	₹13,567
31 Jan 23	₹12,674
31 Jan 24	₹16,959
31 Jan 25	₹19,204
31 Jan 26	₹20,742

Invesco India Largecap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for Invesco India Largecap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

Duration	Returns
1 Month	-1%
3 Month	-3.3%
6 Month	0.3%
1 Year	13.4%
3 Year	17.2%
5 Year	13.9%
10 Year
15 Year
Since launch	12.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	5.5%
2023	20%
2022	27.8%
2021	-3%
2020	32.5%
2019	14.1%
2018	10.5%
2017	-0.4%
2016	28.3%
2015	2.8%

Fund Manager information for Invesco India Largecap Fund

Name	Since	Tenure
Hiten Jain	1 Dec 23	2.17 Yr.

Data below for Invesco India Largecap Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	36.97%
Industrials	16.59%
Consumer Cyclical	13.8%
Technology	11.23%
Health Care	9.07%
Basic Materials	5.78%
Communication Services	3.79%
Real Estate	1.27%
Consumer Defensive	1.06%
Utility	0.52%

Asset Allocation

Asset Class	Value
Equity	100.11%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 30 Sep 19 \| ICICIBANK	8%	₹131 Cr	969,443 ↑ 126,814
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 09 \| HDFCBANK	8%	₹129 Cr	1,384,844
ICICI Prudential Asset Management Co Ltd (Financial Services) Equity, Since 31 Dec 25 \| ICICIAMC	6%	₹96 Cr	321,785
Infosys Ltd (Technology) Equity, Since 30 Apr 18 \| INFY	6%	₹95 Cr	581,547
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Oct 25 \| LT	4%	₹68 Cr	173,437
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Dec 19 \| BHARTIARTL	4%	₹63 Cr	320,404
Bajaj Finance Ltd (Financial Services) Equity, Since 28 Feb 25 \| BAJFINANCE	4%	₹62 Cr	671,135
Tech Mahindra Ltd (Technology) Equity, Since 31 May 23 \| TECHM	4%	₹60 Cr	345,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 May 25 \| INDIGO	3%	₹52 Cr	113,532
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Aug 23 \| 543320	3%	₹48 Cr	1,771,866

6. TATA Large Cap Fund

To provide income distribution and / or medium to long term capital gains while at all times emphasising the importance of capital appreciation.

Research Highlights for TATA Large Cap Fund

Upper mid AUM (₹2,840 Cr).
Oldest track record among peers (27 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 13.13% (bottom quartile).
3Y return: 15.70% (bottom quartile).
1Y return: 13.81% (upper mid).
Alpha: -0.83 (upper mid).
Sharpe: 0.30 (upper mid).
Information ratio: 0.30 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding ICICI Bank Ltd (~9.0%).

Below is the key information for TATA Large Cap Fund

TATA Large Cap Fund Growth
Launch Date	7 May 98
NAV (19 Feb 26)	₹515.674 ↓ -7.54 (-1.44 %)
Net Assets (Cr)	₹2,840 on 31 Dec 25
Category	Equity - Large Cap
AMC	Tata Asset Management Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.05
Sharpe Ratio	0.3
Information Ratio	0.3
Alpha Ratio	-0.83
Min Investment	5,000
Min SIP Investment	150
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹13,435
31 Jan 23	₹13,424
31 Jan 24	₹17,311
31 Jan 25	₹19,044
31 Jan 26	₹20,550

TATA Large Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for TATA Large Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

Duration	Returns
1 Month	1.1%
3 Month	0.6%
6 Month	5.6%
1 Year	13.8%
3 Year	15.7%
5 Year	13.1%
10 Year
15 Year
Since launch	18.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9.2%
2023	12.9%
2022	24.5%
2021	3.3%
2020	32.7%
2019	8.3%
2018	12.1%
2017	-3.6%
2016	29.5%
2015	2.9%

Fund Manager information for TATA Large Cap Fund

Name	Since	Tenure
Abhinav Sharma	5 Apr 23	2.83 Yr.
Hasmukh Vishariya	1 Mar 25	0.92 Yr.

Data below for TATA Large Cap Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	36.89%
Consumer Cyclical	14.38%
Technology	10.64%
Basic Materials	8.61%
Industrials	7.54%
Consumer Defensive	5.39%
Energy	5.31%
Utility	4.41%
Communication Services	3.53%
Health Care	1.1%

Asset Allocation

Asset Class	Value
Cash	1.59%
Equity	98.41%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 11 \| ICICIBANK	9%	₹249 Cr	1,840,300 ↑ 975,000
HDFC Bank Ltd (Financial Services) Equity, Since 30 Apr 07 \| HDFCBANK	9%	₹239 Cr	2,571,900
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 05 \| RELIANCE	5%	₹147 Cr	1,050,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Aug 18 \| AXISBANK	4%	₹112 Cr	820,000 ↓ -100,000
Infosys Ltd (Technology) Equity, Since 31 Jan 09 \| INFY	4%	₹111 Cr	678,248
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Oct 16 \| KOTAKBANK	4%	₹102 Cr	2,495,000 ↓ -500,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Jul 18 \| TCS	3%	₹94 Cr	301,873
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 May 23 \| M&M	3%	₹93 Cr	272,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Dec 20 \| LT	3%	₹92 Cr	232,784 ↓ -38,000
State Bank of India (Financial Services) Equity, Since 30 Apr 14 \| SBIN	3%	₹88 Cr	821,000

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