ದೀರ್ಘಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು- ನೀವು ಯಾವಾಗ ಹೂಡಿಕೆ ಮಾಡಬೇಕು?

Updated on February 14, 2026 , 11862 views

ದೀರ್ಘಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು ಒಂದು ರೀತಿಯ ಸಾಲವಾಗಿದೆಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ಕಾರ್ಪೊರೇಟ್ ಹೂಡಿಕೆ ಎಂದುಬಾಂಡ್ಗಳು ಮತ್ತು ದೀರ್ಘಾವಧಿಯ ಮೆಚುರಿಟಿ ಅವಧಿಯನ್ನು ಹೊಂದಿರುವ ಸರ್ಕಾರಿ ಭದ್ರತೆಗಳು (g-secs). ಈ ನಿಧಿಗಳ ಸರಾಸರಿ ಮುಕ್ತಾಯವು 3 ವರ್ಷಗಳನ್ನು ಮೀರಿದೆ, ಹೆಚ್ಚಿನ ಬಾರಿ. ಅದಕ್ಕಾಗಿಯೇ, ಮಧ್ಯಮದಿಂದ ದೀರ್ಘಾವಧಿಯವರೆಗೆ ಮಾಡಲು ಬಯಸುವ ಹೂಡಿಕೆದಾರರಿಗೆ ಈ ನಿಧಿಗಳು ಸೂಕ್ತವಾಗಿವೆಹೂಡಿಕೆ ಯೋಜನೆ ಅಂದರೆ, ಸಾಮಾನ್ಯವಾಗಿ 3-5 ವರ್ಷಗಳು ಅಥವಾ ಅದಕ್ಕಿಂತ ಹೆಚ್ಚು ಕಾಲ. ದೀರ್ಘಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು ಹೇಗೆ ಕಾರ್ಯನಿರ್ವಹಿಸುತ್ತವೆ ಮತ್ತು 2022 ರಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಉತ್ತಮವಾದ ದೀರ್ಘಾವಧಿಯ ಬಾಂಡ್‌ಗಳ ನಿಧಿಗಳು ಯಾವುವು ಎಂಬುದನ್ನು ಅರ್ಥಮಾಡಿಕೊಳ್ಳೋಣ.

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ದೀರ್ಘಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು- ದೀರ್ಘಾವಧಿಯ ಹೂಡಿಕೆಯ ಯೋಜನೆ

ದೀರ್ಘಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು ತಮ್ಮ ಪ್ರಮುಖ ಹೂಡಿಕೆ ಮಾಡುತ್ತವೆಆಧಾರವಾಗಿರುವ ಕಾರ್ಪೊರೇಟ್ ಡಿಬೆಂಚರ್‌ಗಳು, ಬಾಂಡ್‌ಗಳು ಮತ್ತು ಸಾಲ ಸಾಧನಗಳಲ್ಲಿನ ಆಸ್ತಿಹಣದ ಮಾರುಕಟ್ಟೆ ಹೆಚ್ಚಿನ ಮೆಚುರಿಟಿ ಅವಧಿಯೊಂದಿಗೆ ಉಪಕರಣಗಳು ಮತ್ತು ಸರ್ಕಾರಿ ಭದ್ರತೆಗಳು. ಹೂಡಿಕೆದಾರರು 3 ವರ್ಷಗಳಿಗಿಂತ ಹೆಚ್ಚಿನ ಹೂಡಿಕೆಯ ಅವಧಿಯನ್ನು ಹೊಂದಿದ್ದರೆ ದೀರ್ಘಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬೇಕು. ಅಲ್ಲದೆ, ಈ ನಿಧಿಯು ಹೂಡಿಕೆಯಲ್ಲಿ ಸ್ವಲ್ಪ ಮಟ್ಟದ ಅಪಾಯವನ್ನು ತೆಗೆದುಕೊಳ್ಳಲು ಸಿದ್ಧರಿರುವ ಹೂಡಿಕೆದಾರರಿಗೆ ಮಾತ್ರ ಸೂಕ್ತವಾಗಿದೆ.

ದೀರ್ಘಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು ಬಡ್ಡಿದರದಲ್ಲಿನ ಬದಲಾವಣೆಗಳಿಗೆ ಸೂಕ್ಷ್ಮವಾಗಿರುತ್ತವೆ ಮತ್ತು ಇತರ ವರ್ಗಗಳ ಸಾಲ ನಿಧಿಗಳಿಗಿಂತ ಹೆಚ್ಚು ಬಾಷ್ಪಶೀಲವಾಗಿರುತ್ತವೆ. ಸಾಲದ ಉಪಕರಣಗಳ ಬಡ್ಡಿದರಗಳು ಮತ್ತು ಬೆಲೆಗಳು ವಿಲೋಮ ಸಂಬಂಧವನ್ನು ಹೊಂದಿವೆ, ಅಂದರೆ ಅವು ವಿರುದ್ಧ ದಿಕ್ಕಿನಲ್ಲಿ ಚಲಿಸುತ್ತವೆ. ಉದಾಹರಣೆಗೆ, ಬೀಳುವ ಬಡ್ಡಿ ದರವು ಸಾಲ ನಿಧಿಗಳು ಅಥವಾ ಬಾಂಡ್ ನಿಧಿಗಳಿಗೆ ಒಳ್ಳೆಯದು. ದೀರ್ಘಕಾಲದಆದಾಯ ಬಡ್ಡಿದರಗಳು ಕೆಳಮುಖವಾಗಿ ಚಲಿಸುವಾಗ ನಿಧಿಗಳು ಸಾಮಾನ್ಯವಾಗಿ ಪ್ರಯೋಜನ ಪಡೆಯುತ್ತವೆ. ಇದಲ್ಲದೆ, ಬಡ್ಡಿದರದ ಕುಸಿತದ ಸಮಯದಲ್ಲಿ, ಬಾಂಡ್ ಬೆಲೆಗಳು ಹೆಚ್ಚಾಗುತ್ತವೆ ಮತ್ತು ಇದು ಉತ್ತೇಜನಗೊಳ್ಳುತ್ತದೆNAV ಗಳು ಅದರಸಾಲ ನಿಧಿ ಯೋಜನೆಗಳು.

ಬೀಳುವ ಬಡ್ಡಿದರದ ಸನ್ನಿವೇಶದಲ್ಲಿ, ಅಂತಹ ಬಾಂಡ್‌ಗಳ ಸರಾಸರಿ ಮೆಚುರಿಟಿಗಳು ಸುಮಾರು 7-10 ವರ್ಷಗಳವರೆಗೆ ಹೋಗಬಹುದು. ಬಡ್ಡಿದರಗಳು ಏರಿದಾಗ, ಅವರು ಕಡಿಮೆ ಅವಧಿಯ ಸೆಕ್ಯುರಿಟಿಗಳನ್ನು ಸಂಗ್ರಹಿಸುತ್ತಾರೆ ಮತ್ತು ಪೋರ್ಟ್ಫೋಲಿಯೊದ ಸರಾಸರಿ ಮುಕ್ತಾಯವನ್ನು ಕಡಿಮೆ ಮಾಡುತ್ತಾರೆ.

ಹೆಚ್ಚಾಗಿ, ಬಡ್ಡಿದರಗಳು ಕಡಿಮೆಯಾಗುವ ನಿರೀಕ್ಷೆಯಿರುವಾಗ ದೀರ್ಘಾವಧಿಯ ಬಾಂಡ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಸಲಹೆ ನೀಡಲಾಗುತ್ತದೆ ಏಕೆಂದರೆ ಬಡ್ಡಿದರಗಳಲ್ಲಿನ ಇಳಿಕೆಯು ದೀರ್ಘಾವಧಿಯ ಸೆಕ್ಯೂರಿಟಿಗಳ ಬೆಲೆಗಳಲ್ಲಿ ಏರಿಕೆಗೆ ಕಾರಣವಾಗುತ್ತದೆ. ಏರಿಳಿತದ ಬಡ್ಡಿದರಗಳೊಂದಿಗೆ ಆರಾಮದಾಯಕವಾಗಿರುವ ಹೂಡಿಕೆದಾರರುಮಾರುಕಟ್ಟೆ, ಮಾತ್ರ ಆದ್ಯತೆ ನೀಡಬೇಕುಹೂಡಿಕೆ ದೀರ್ಘಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳಲ್ಲಿ.

ರಿಟರ್ನ್ಸ್ ಮತ್ತು ರಿಸ್ಕ್

ಈ ನಿಧಿಗಳು ಹೆಚ್ಚಿನ ಆದಾಯವನ್ನು ನೀಡಲು ಉದ್ದೇಶಿಸಲಾಗಿದೆಬ್ಯಾಂಕ್ ಸ್ಥಿರ ಠೇವಣಿ. ಇದಲ್ಲದೆ, ಮೂರು ವರ್ಷಗಳಿಗಿಂತ ಹೆಚ್ಚು ಕಾಲ ಹಿಡಿದಿಟ್ಟುಕೊಂಡರೆ, ಆದಾಯವು ಹೆಚ್ಚು ತೆರಿಗೆ ಪರಿಣಾಮಕಾರಿಯಾಗಿದೆ. ಆದರೆ, ಅಪಾಯದ ಬದಿಯಲ್ಲಿ, ಬಡ್ಡಿದರಗಳು ಇದ್ದಕ್ಕಿದ್ದಂತೆ ದಿಕ್ಕನ್ನು ಬದಲಾಯಿಸಿದಾಗ ಈ ನಿಧಿಗಳು ಬಾಷ್ಪಶೀಲವಾಗಬಹುದು. ನಿರಂತರ ಏರುತ್ತಿರುವ ಬಡ್ಡಿದರದ ಆಡಳಿತದಲ್ಲಿ, ಈ ನಿಧಿಗಳು ಸಾಧಾರಣ ಆದಾಯವನ್ನು ನೀಡುತ್ತವೆ ಏಕೆಂದರೆ ಅವುಗಳು ದೀರ್ಘಾವಧಿಯ ಬಾಂಡ್‌ಗಳನ್ನು ಮಾರಾಟ ಮಾಡಲು ಮತ್ತು ಕಡಿಮೆ ಅವಧಿಯ ಸ್ಕ್ರಿಪ್ಟ್‌ಗಳಿಗೆ ಬದಲಾಯಿಸಲು ಸಾಧ್ಯವಿಲ್ಲ.

ದೀರ್ಘಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳ ತೆರಿಗೆ

ಸಾಲ ನಿಧಿಗಳ ಮೇಲಿನ ತೆರಿಗೆ ಪರಿಣಾಮಗಳನ್ನು ಈ ಕೆಳಗಿನ ರೀತಿಯಲ್ಲಿ ಗಣಿಸಲಾಗಿದೆ-

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.

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

ದೀರ್ಘಾವಧಿಯ ಬಾಂಡ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಹೇಗೆ?

ಹೂಡಿಕೆದಾರರು ಎರಡು ರೀತಿಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದು-SIP ಅಥವಾ ಒಟ್ಟು ಮೊತ್ತ. ಸರಾಸರಿ ಹೂಡಿಕೆದಾರರಿಗೆ, SIP (ವ್ಯವಸ್ಥಿತ ಹೂಡಿಕೆ ಯೋಜನೆ) ಅತ್ಯಂತ ಕಾರ್ಯಸಾಧ್ಯವಾದ ಆಯ್ಕೆಯಾಗಿದೆ. ಇದು ನಿಮಗೆ ಮಾಸಿಕ/ತ್ರೈಮಾಸಿಕ/ವಾರ್ಷಿಕವಾಗಿ ಹೂಡಿಕೆ ಮಾಡುವ ವ್ಯವಸ್ಥಿತ ಆಯ್ಕೆಯನ್ನು ನೀಡುತ್ತದೆಆಧಾರ. ಒಟ್ಟು ಮೊತ್ತದಲ್ಲಿ, ಹೂಡಿಕೆದಾರರು ಯೋಜನೆಯಲ್ಲಿ ಒಂದು ಬಾರಿ ಡೌನ್ ಪೇಮೆಂಟ್ ಆಗಿ ಗಣನೀಯ ಮೊತ್ತವನ್ನು ಹೂಡಿಕೆ ಮಾಡಬೇಕು. ಒಟ್ಟು ಮೊತ್ತಕ್ಕೆ ಕನಿಷ್ಠ ಹೂಡಿಕೆ ಮೊತ್ತವು INR 5000 ಆಗಿದೆ, ಆದರೆ SIP ಗೆ ಇದು INR 500 ಆಗಿದೆ.

2022 ರಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಉತ್ತಮ ದೀರ್ಘಕಾಲೀನ ಬಾಂಡ್ ಫಂಡ್‌ಗಳು

Fund	NAV	Net Assets (Cr)	Min Investment	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Franklin India Corporate Debt Fund Growth	₹103.511 ↑ 0.05	₹1,338	10,000	500	1.3	2.9	9	7.7	9.1	7.12%	2Y 5M 23D	5Y 10M 10D
BNP Paribas Corporate Bond Fund Growth	₹28.5034 ↑ 0.02	₹482	5,000	300	0.9	2.7	7.9	7.8	8.3	6.92%	3Y 3M	4Y 2M 26D
ICICI Prudential Corporate Bond Fund Growth	₹30.965 ↑ 0.03	₹33,871	5,000	100	1.1	2.8	7.6	7.8	8	7.02%	2Y 11M 1D	5Y 5M 12D
Kotak Corporate Bond Fund Standard Growth	₹3,909.56 ↑ 2.29	₹18,841	5,000	1,000	1	2.7	7.4	7.7	7.8	7.04%	2Y 11M 12D	4Y 6M 14D
Nippon India Prime Debt Fund Growth	₹62.0508 ↑ 0.05	₹10,431	1,000	100	0.8	2.4	7.4	7.7	7.8	7.71%	3Y 10M 20D	5Y 9M 29D
Invesco India Corporate Bond Fund Growth	₹3,282.87 ↑ 2.41	₹7,307	5,000	100	0.8	2.3	7.1	7.4	7.6	6.96%	3Y 4M 24D	4Y 4M 28D
Sundaram Corporate Bond Fund Growth	₹41.4809 ↑ 0.03	₹768	5,000	250	0.8	2.4	7.1	7.1	7.5	6.9%	3Y 3M	4Y 3M 7D
Bandhan Corporate Bond Fund Growth	₹19.8437 ↑ 0.01	₹14,856	5,000	1,000	0.9	2.3	7	7.2	7.4	6.73%	2Y 6M	3Y
Aditya Birla Sun Life Corporate Bond Fund Growth	₹116.474 ↑ 0.12	₹29,856	1,000	100	0.8	2.4	6.8	7.6	7.4	7.12%	4Y 10M 24D	7Y 6M 14D
HDFC Corporate Bond Fund Growth	₹33.5489 ↑ 0.03	₹34,805	5,000	300	0.7	2.2	6.8	7.6	7.3	7.13%	4Y 6M 11D	7Y 9M 18D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 16 Feb 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	Franklin India Corporate Debt Fund	BNP Paribas Corporate Bond Fund	ICICI Prudential Corporate Bond Fund	Kotak Corporate Bond Fund Standard	Nippon India Prime Debt Fund	Invesco India Corporate Bond Fund	Sundaram Corporate Bond Fund	Bandhan Corporate Bond Fund	Aditya Birla Sun Life Corporate Bond Fund	HDFC Corporate Bond Fund
Point 1	Bottom quartile AUM (₹1,338 Cr).	Bottom quartile AUM (₹482 Cr).	Top quartile AUM (₹33,871 Cr).	Upper mid AUM (₹18,841 Cr).	Lower mid AUM (₹10,431 Cr).	Lower mid AUM (₹7,307 Cr).	Bottom quartile AUM (₹768 Cr).	Upper mid AUM (₹14,856 Cr).	Upper mid AUM (₹29,856 Cr).	Highest AUM (₹34,805 Cr).
Point 2	Oldest track record among peers (28 yrs).	Established history (17+ yrs).	Established history (16+ yrs).	Established history (18+ yrs).	Established history (25+ yrs).	Established history (18+ yrs).	Established history (21+ yrs).	Established history (10+ yrs).	Established history (28+ yrs).	Established history (15+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).	Rating: 4★ (upper mid).	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Not Rated.	Top rated.	Rating: 5★ (top quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.
Point 5	1Y return: 9.02% (top quartile).	1Y return: 7.87% (top quartile).	1Y return: 7.55% (upper mid).	1Y return: 7.45% (upper mid).	1Y return: 7.38% (upper mid).	1Y return: 7.14% (lower mid).	1Y return: 7.14% (lower mid).	1Y return: 6.99% (bottom quartile).	1Y return: 6.83% (bottom quartile).	1Y return: 6.77% (bottom quartile).
Point 6	1M return: 0.89% (top quartile).	1M return: 0.83% (top quartile).	1M return: 0.71% (bottom quartile).	1M return: 0.79% (upper mid).	1M return: 0.79% (upper mid).	1M return: 0.72% (lower mid).	1M return: 0.66% (bottom quartile).	1M return: 0.70% (bottom quartile).	1M return: 0.83% (upper mid).	1M return: 0.74% (lower mid).
Point 7	Sharpe: 1.29 (top quartile).	Sharpe: 1.13 (upper mid).	Sharpe: 1.43 (top quartile).	Sharpe: 1.02 (upper mid).	Sharpe: 0.87 (upper mid).	Sharpe: 0.80 (bottom quartile).	Sharpe: 0.83 (lower mid).	Sharpe: 0.82 (lower mid).	Sharpe: 0.66 (bottom quartile).	Sharpe: 0.63 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.12% (upper mid).	Yield to maturity (debt): 6.92% (bottom quartile).	Yield to maturity (debt): 7.02% (lower mid).	Yield to maturity (debt): 7.04% (upper mid).	Yield to maturity (debt): 7.71% (top quartile).	Yield to maturity (debt): 6.96% (lower mid).	Yield to maturity (debt): 6.90% (bottom quartile).	Yield to maturity (debt): 6.73% (bottom quartile).	Yield to maturity (debt): 7.12% (upper mid).	Yield to maturity (debt): 7.13% (top quartile).
Point 10	Modified duration: 2.48 yrs (top quartile).	Modified duration: 3.25 yrs (upper mid).	Modified duration: 2.92 yrs (upper mid).	Modified duration: 2.95 yrs (upper mid).	Modified duration: 3.89 yrs (bottom quartile).	Modified duration: 3.40 yrs (lower mid).	Modified duration: 3.25 yrs (lower mid).	Modified duration: 2.50 yrs (top quartile).	Modified duration: 4.90 yrs (bottom quartile).	Modified duration: 4.53 yrs (bottom quartile).

Franklin India Corporate Debt Fund

Bottom quartile AUM (₹1,338 Cr).
Oldest track record among peers (28 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 9.02% (top quartile).
1M return: 0.89% (top quartile).
Sharpe: 1.29 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.12% (upper mid).
Modified duration: 2.48 yrs (top quartile).

BNP Paribas Corporate Bond Fund

Bottom quartile AUM (₹482 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 7.87% (top quartile).
1M return: 0.83% (top quartile).
Sharpe: 1.13 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.92% (bottom quartile).
Modified duration: 3.25 yrs (upper mid).

ICICI Prudential Corporate Bond Fund

Top quartile AUM (₹33,871 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.55% (upper mid).
1M return: 0.71% (bottom quartile).
Sharpe: 1.43 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.02% (lower mid).
Modified duration: 2.92 yrs (upper mid).

Kotak Corporate Bond Fund Standard

Upper mid AUM (₹18,841 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.45% (upper mid).
1M return: 0.79% (upper mid).
Sharpe: 1.02 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.04% (upper mid).
Modified duration: 2.95 yrs (upper mid).

Nippon India Prime Debt Fund

Lower mid AUM (₹10,431 Cr).
Established history (25+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.38% (upper mid).
1M return: 0.79% (upper mid).
Sharpe: 0.87 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.71% (top quartile).
Modified duration: 3.89 yrs (bottom quartile).

Invesco India Corporate Bond Fund

Lower mid AUM (₹7,307 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.14% (lower mid).
1M return: 0.72% (lower mid).
Sharpe: 0.80 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.96% (lower mid).
Modified duration: 3.40 yrs (lower mid).

Sundaram Corporate Bond Fund

Bottom quartile AUM (₹768 Cr).
Established history (21+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.14% (lower mid).
1M return: 0.66% (bottom quartile).
Sharpe: 0.83 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.90% (bottom quartile).
Modified duration: 3.25 yrs (lower mid).

Bandhan Corporate Bond Fund

Upper mid AUM (₹14,856 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 6.99% (bottom quartile).
1M return: 0.70% (bottom quartile).
Sharpe: 0.82 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.73% (bottom quartile).
Modified duration: 2.50 yrs (top quartile).

Aditya Birla Sun Life Corporate Bond Fund

Upper mid AUM (₹29,856 Cr).
Established history (28+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.83% (bottom quartile).
1M return: 0.83% (upper mid).
Sharpe: 0.66 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.12% (upper mid).
Modified duration: 4.90 yrs (bottom quartile).

HDFC Corporate Bond Fund

Highest AUM (₹34,805 Cr).
Established history (15+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderately Low.
1Y return: 6.77% (bottom quartile).
1M return: 0.74% (lower mid).
Sharpe: 0.63 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.13% (top quartile).
Modified duration: 4.53 yrs (bottom quartile).

1. Franklin India Corporate Debt Fund

(Erstwhile Franklin India Income Builder Account - Plan A)

The investment objective of the Scheme is primarily to provide investors Regular income under the Dividend Plan and Capital appreciation under the Growth Plan.

Research Highlights for Franklin India Corporate Debt Fund

Bottom quartile AUM (₹1,338 Cr).
Oldest track record among peers (28 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 9.02% (top quartile).
1M return: 0.89% (top quartile).
Sharpe: 1.29 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.12% (upper mid).
Modified duration: 2.48 yrs (top quartile).
Average maturity: 5.86 yrs (bottom quartile).
Exit load: 0-1 Years (0.5%),1 Years and above(NIL).

Below is the key information for Franklin India Corporate Debt Fund

Franklin India Corporate Debt Fund Growth
Launch Date	23 Jun 97
NAV (16 Feb 26)	₹103.511 ↑ 0.05 (0.05 %)
Net Assets (Cr)	₹1,338 on 31 Dec 25
Category	Debt - Corporate Bond
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆
Risk	Moderate
Expense Ratio	0.79
Sharpe Ratio	1.29
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	0-1 Years (0.5%),1 Years and above(NIL)
Yield to Maturity	7.12%
Effective Maturity	5 Years 10 Months 10 Days
Modified Duration	2 Years 5 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,404
31 Jan 23	₹10,761
31 Jan 24	₹11,476
31 Jan 25	₹12,331
31 Jan 26	₹13,425

Franklin India Corporate 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 Franklin India Corporate 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 16 Feb 26

Duration	Returns
1 Month	0.9%
3 Month	1.3%
6 Month	2.9%
1 Year	9%
3 Year	7.7%
5 Year	6.2%
10 Year
15 Year
Since launch	8.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9.1%
2023	7.6%
2022	6.5%
2021	3.2%
2020	3.8%
2019	9%
2018	9.2%
2017	7.5%
2016	7.7%
2015	9%

Fund Manager information for Franklin India Corporate Debt Fund

Name	Since	Tenure
Rahul Goswami	6 Oct 23	2.33 Yr.
Anuj Tagra	7 Mar 24	1.91 Yr.
Chandni Gupta	7 Mar 24	1.91 Yr.

Data below for Franklin India Corporate Debt Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	7.63%
Debt	92.1%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	64.95%
Government	27.15%
Cash Equivalent	7.63%

Credit Quality

Rating	Value
AA	6.82%
AAA	93.18%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.90% Gs 2065 Sovereign Bonds \| -	8%	₹101 Cr	10,529,500
Poonawalla Fincorp Limited Debentures \| -	6%	₹82 Cr	8,000
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹78 Cr	7,500
RJ Corp Limited Debentures \| -	4%	₹55 Cr	5,467
Sikka Ports & Terminals Limited Debentures \| -	4%	₹52 Cr	500
Summit Digitel Infrastructure Limited Debentures \| -	4%	₹51 Cr	5,000
Rec Limited Debentures \| -	4%	₹50 Cr	9,000
Embassy Office Parks Reit Debentures \| -	4%	₹50 Cr	5,000
Jubilant Beverages Limited Debentures \| -	3%	₹46 Cr	4,269
Jubilant Bevco Limited Debentures \| -	3%	₹44 Cr	4,076

2. BNP Paribas Corporate Bond Fund

The investment objective of the Scheme is to generate income and capital gains through investments in a portfolio of debt and money market instruments. However, there can be no assurance that the investment objectives of the Scheme will be realized. The Scheme launched hereunder does not guarantee/indicate any returns.

Research Highlights for BNP Paribas Corporate Bond Fund

Bottom quartile AUM (₹482 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 7.87% (top quartile).
1M return: 0.83% (top quartile).
Sharpe: 1.13 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.92% (bottom quartile).
Modified duration: 3.25 yrs (upper mid).
Average maturity: 4.24 yrs (top quartile).
Exit load: 0-12 Months (1%),12-24 Months (0.5%),24-36 Months (0.25%),36 Months and above(NIL).

Below is the key information for BNP Paribas Corporate Bond Fund

BNP Paribas Corporate Bond Fund Growth
Launch Date	8 Nov 08
NAV (16 Feb 26)	₹28.5034 ↑ 0.02 (0.09 %)
Net Assets (Cr)	₹482 on 31 Dec 25
Category	Debt - Corporate Bond
AMC	BNP Paribas Asset Mgmt India Pvt. Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.58
Sharpe Ratio	1.13
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-12 Months (1%),12-24 Months (0.5%),24-36 Months (0.25%),36 Months and above(NIL)
Yield to Maturity	6.92%
Effective Maturity	4 Years 2 Months 26 Days
Modified Duration	3 Years 3 Months

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,201
31 Jan 23	₹10,417
31 Jan 24	₹11,170
31 Jan 25	₹12,118
31 Jan 26	₹13,011

BNP Paribas Corporate 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 BNP Paribas Corporate 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 16 Feb 26

Duration	Returns
1 Month	0.8%
3 Month	0.9%
6 Month	2.7%
1 Year	7.9%
3 Year	7.8%
5 Year	5.7%
10 Year
15 Year
Since launch	6.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.3%
2023	8.3%
2022	7%
2021	1.6%
2020	2.2%
2019	9.9%
2018	0.9%
2017	5.2%
2016	6.7%
2015	10.8%

Fund Manager information for BNP Paribas Corporate Bond Fund

Name	Since	Tenure
Gurvinder Wasan	21 Oct 24	1.28 Yr.
Vikram Pamnani	10 Jul 24	1.56 Yr.

Data below for BNP Paribas Corporate Bond Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	3.58%
Equity	2.71%
Debt	93.4%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	64.68%
Government	28.73%
Cash Equivalent	3.58%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	7%	₹30 Cr	3,000
6.01% Gs 2030 Sovereign Bonds \| -	6%	₹24 Cr	2,400,000 ↑ 500,000
7.18% Gs 2033 Sovereign Bonds \| -	4%	₹17 Cr	1,700,000 ↑ 200,000
Ntpc Limited Debentures \| -	4%	₹15 Cr	150
Bajaj Housing Finance Limited Debentures \| -	3%	₹15 Cr	1,500
6.33% Gs 2035 Sovereign Bonds \| -	3%	₹15 Cr	1,500,000
Small Industries Development Bank Of India Debentures \| -	3%	₹12 Cr	1,200
National Housing Bank Debentures \| -	3%	₹11 Cr	1,100
Hindustan Petroleum Corporation Limited Debentures \| -	2%	₹10 Cr	100
Power Finance Corporation Limited Debentures \| -	2%	₹10 Cr	1,000

3. ICICI Prudential Corporate Bond Fund

(Erstwhile ICICI Prudential Ultra Short Term Plan)

ICICI Prudential Ultra Short Term Plan is an open-ended income fund that intends to generate regular income through investments in a basket of debt and money market instruments of very short maturities with a view to providing reasonable returns, while maintaining an optimum balance of safety, liquidity and yield. However, there can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for ICICI Prudential Corporate Bond Fund

Top quartile AUM (₹33,871 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.55% (upper mid).
1M return: 0.71% (bottom quartile).
Sharpe: 1.43 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.02% (lower mid).
Modified duration: 2.92 yrs (upper mid).
Average maturity: 5.45 yrs (lower mid).
Exit load: NIL.

Below is the key information for ICICI Prudential Corporate Bond Fund

ICICI Prudential Corporate Bond Fund Growth
Launch Date	11 Aug 09
NAV (16 Feb 26)	₹30.965 ↑ 0.03 (0.10 %)
Net Assets (Cr)	₹33,871 on 31 Dec 25
Category	Debt - Corporate Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.57
Sharpe Ratio	1.43
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.02%
Effective Maturity	5 Years 5 Months 12 Days
Modified Duration	2 Years 11 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,402
31 Jan 23	₹10,912
31 Jan 24	₹11,762
31 Jan 25	₹12,708
31 Jan 26	₹13,651

ICICI Prudential Corporate 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 Corporate 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 16 Feb 26

Duration	Returns
1 Month	0.7%
3 Month	1.1%
6 Month	2.8%
1 Year	7.6%
3 Year	7.8%
5 Year	6.6%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8%
2023	8%
2022	7.6%
2021	4.5%
2020	4.1%
2019	10.4%
2018	9.9%
2017	6.4%
2016	6.3%
2015	9.8%

Fund Manager information for ICICI Prudential Corporate Bond Fund

Name	Since	Tenure
Manish Banthia	22 Jan 24	2.03 Yr.
Ritesh Lunawat	22 Jan 24	2.03 Yr.

Data below for ICICI Prudential Corporate Bond Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	16.33%
Debt	83.39%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	55.85%
Government	27.53%
Cash Equivalent	16.33%

Credit Quality

Rating	Value
AA	0.5%
AAA	99.5%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.48% Gs 2035 Sovereign Bonds \| -	6%	₹1,833 Cr	186,102,800 ↑ 6,695,000
LIC Housing Finance Ltd Debentures \| -	4%	₹1,457 Cr	145,500
6.68% Gs 2040 Sovereign Bonds \| -	3%	₹1,098 Cr	114,006,250
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	3%	₹1,003 Cr	1,000
Goi Floating Rate Bond 2033 Sovereign Bonds \| -	3%	₹951 Cr	92,096,680 ↓ -769,210
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	3%	₹903 Cr	900
Small Industries Development Bank of India Debentures \| -	2%	₹789 Cr	79,433
7.10% Gs 2034 Sovereign Bonds \| -	2%	₹701 Cr	68,594,780
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹700 Cr	69,550 ↑ 5,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹578 Cr	57,500 ↑ 6,500

4. Kotak Corporate Bond Fund Standard

The primary objective of the Scheme is to generate income through investment primarily in low duration debt & money market securities. However, there is no assurance that the objective of the scheme will be realized.

Research Highlights for Kotak Corporate Bond Fund Standard

Upper mid AUM (₹18,841 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.45% (upper mid).
1M return: 0.79% (upper mid).
Sharpe: 1.02 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.04% (upper mid).
Modified duration: 2.95 yrs (upper mid).
Average maturity: 4.54 yrs (upper mid).
Exit load: NIL.

Below is the key information for Kotak Corporate Bond Fund Standard

Kotak Corporate Bond Fund Standard Growth
Launch Date	21 Sep 07
NAV (16 Feb 26)	₹3,909.56 ↑ 2.29 (0.06 %)
Net Assets (Cr)	₹18,841 on 31 Dec 25
Category	Debt - Corporate Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.67
Sharpe Ratio	1.02
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.04%
Effective Maturity	4 Years 6 Months 14 Days
Modified Duration	2 Years 11 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,419
31 Jan 23	₹10,813
31 Jan 24	₹11,590
31 Jan 25	₹12,552
31 Jan 26	₹13,442

Kotak Corporate Bond Fund Standard 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 Corporate Bond Fund Standard

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Feb 26

Duration	Returns
1 Month	0.8%
3 Month	1%
6 Month	2.7%
1 Year	7.4%
3 Year	7.7%
5 Year	6.3%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.8%
2023	8.3%
2022	6.9%
2021	3.7%
2020	3.8%
2019	9.7%
2018	9.6%
2017	7.5%
2016	6.9%
2015	9.4%

Fund Manager information for Kotak Corporate Bond Fund Standard

Name	Since	Tenure
Deepak Agrawal	1 Feb 15	11.01 Yr.
Manu Sharma	1 Nov 22	3.25 Yr.

Data below for Kotak Corporate Bond Fund Standard as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	3.47%
Debt	96.22%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	67.84%
Government	28.38%
Cash Equivalent	3.47%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.48% Gs 2035 Sovereign Bonds \| -	7%	₹1,220 Cr	123,935,080 ↑ 123,935,080
6.68% Gs 2040 Sovereign Bonds \| -	4%	₹737 Cr	76,500,000 ↑ 76,500,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹588 Cr	58,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹528 Cr	52,500
Bajaj Finance Limited Debentures \| -	3%	₹438 Cr	43,500
Power Finance Corporation Limited Debentures \| -	2%	₹397 Cr	40,000 ↑ 5,000
Small Industries Development Bank Of India Debentures \| -	2%	₹351 Cr	35,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹327 Cr	32,500
Power Finance Corporation Limited Debentures \| -	2%	₹327 Cr	32,500
LIC Housing Finance Ltd Debentures \| -	2%	₹307 Cr	3,050

5. Nippon India Prime Debt Fund

(Erstwhile Reliance Medium Term Fund)

The primary investment objective of the Scheme is to generate regular income in order to make regular dividend payments to unit-holders and the secondary objective is growth of capital.

Research Highlights for Nippon India Prime Debt Fund

Lower mid AUM (₹10,431 Cr).
Established history (25+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.38% (upper mid).
1M return: 0.79% (upper mid).
Sharpe: 0.87 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.71% (top quartile).
Modified duration: 3.89 yrs (bottom quartile).
Average maturity: 5.83 yrs (lower mid).
Exit load: NIL.

Below is the key information for Nippon India Prime Debt Fund

Nippon India Prime Debt Fund Growth
Launch Date	14 Sep 00
NAV (16 Feb 26)	₹62.0508 ↑ 0.05 (0.08 %)
Net Assets (Cr)	₹10,431 on 31 Dec 25
Category	Debt - Corporate Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.71
Sharpe Ratio	0.87
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.71%
Effective Maturity	5 Years 9 Months 29 Days
Modified Duration	3 Years 10 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,509
31 Jan 23	₹10,985
31 Jan 24	₹11,788
31 Jan 25	₹12,778
31 Jan 26	₹13,678

Nippon India Prime 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 Nippon India Prime 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 16 Feb 26

Duration	Returns
1 Month	0.8%
3 Month	0.8%
6 Month	2.4%
1 Year	7.4%
3 Year	7.7%
5 Year	6.6%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.8%
2023	8.4%
2022	7.1%
2021	4.3%
2020	4.7%
2019	9.5%
2018	7.8%
2017	6.9%
2016	6.6%
2015	9.1%

Fund Manager information for Nippon India Prime Debt Fund

Name	Since	Tenure
Vivek Sharma	1 Feb 20	6 Yr.
Kinjal Desai	25 May 18	7.69 Yr.
Lokesh Maru	5 Sep 25	0.41 Yr.
Divya Sharma	5 Sep 25	0.41 Yr.

Data below for Nippon India Prime Debt Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	6.22%
Debt	93.47%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	62.83%
Government	30.64%
Cash Equivalent	6.22%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Gs 2040 Sovereign Bonds \| -	5%	₹472 Cr	49,000,000 ↓ -5,000,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹377 Cr	37,500
6.28% Gs 2032 Sovereign Bonds \| -	3%	₹231 Cr	23,500,000 ↓ -5,000,000
7.02% Gs 2031 Sovereign Bonds \| -	2%	₹215 Cr	21,000,000
Aditya Birla Housing Finance Limited Debentures \| -	2%	₹202 Cr	20,000
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	2%	₹199 Cr	200
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	2%	₹199 Cr	200
Small Industries Development Bank Of India Debentures \| -	2%	₹176 Cr	17,500
Rec Limited Debentures \| -	2%	₹174 Cr	17,500
Indian Railway Finance Corporation Limited Debentures \| -	2%	₹171 Cr	1,658

6. Invesco India Corporate Bond Fund

(Erstwhile Invesco India Active Income Fund)

To generate optimal returns while maintaining liquidity through active management of the portfolio by investing in debt and money market instruments. As the portfolio of the scheme will be actively managed, the Scheme may have a high turnover in order to achieve the investment objective.

Research Highlights for Invesco India Corporate Bond Fund

Lower mid AUM (₹7,307 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.14% (lower mid).
1M return: 0.72% (lower mid).
Sharpe: 0.80 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.96% (lower mid).
Modified duration: 3.40 yrs (lower mid).
Average maturity: 4.41 yrs (upper mid).
Exit load: NIL.

Below is the key information for Invesco India Corporate Bond Fund

Invesco India Corporate Bond Fund Growth
Launch Date	2 Aug 07
NAV (16 Feb 26)	₹3,282.87 ↑ 2.41 (0.07 %)
Net Assets (Cr)	₹7,307 on 31 Dec 25
Category	Debt - Corporate Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆
Risk	Moderate
Expense Ratio	0.67
Sharpe Ratio	0.8
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.96%
Effective Maturity	4 Years 4 Months 28 Days
Modified Duration	3 Years 4 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,390
31 Jan 23	₹10,713
31 Jan 24	₹11,454
31 Jan 25	₹12,383
31 Jan 26	₹13,212

Invesco India Corporate 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 Invesco India Corporate 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 16 Feb 26

Duration	Returns
1 Month	0.7%
3 Month	0.8%
6 Month	2.3%
1 Year	7.1%
3 Year	7.4%
5 Year	5.9%
10 Year
15 Year
Since launch	6.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.6%
2023	8.1%
2022	6.7%
2021	2.9%
2020	3.4%
2019	10.1%
2018	11.1%
2017	4%
2016	1.8%
2015	14.1%

Fund Manager information for Invesco India Corporate Bond Fund

Name	Since	Tenure
Krishna Cheemalapati	16 Dec 20	5.13 Yr.
Vikas Garg	26 Sep 20	5.35 Yr.

Data below for Invesco India Corporate Bond Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	8.32%
Debt	91.36%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	56.21%
Government	35.15%
Cash Equivalent	8.32%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.48% Gs 2035 Sovereign Bonds \| -	6%	₹384 Cr	39,012,900
7.18% Gs 2033 Sovereign Bonds \| -	5%	₹301 Cr	29,286,700
Pipeline Infrastructure Limited Debentures \| -	3%	₹198 Cr	19,500,000
7.10% Gs 2034 Sovereign Bonds \| -	3%	₹185 Cr	18,112,600
6.79% Gs 2034 Sovereign Bonds \| -	3%	₹172 Cr	17,091,100 ↓ -1,500,000
LIC Housing Finance Ltd Debentures \| -	3%	₹155 Cr	15,000,000
LIC Housing Finance Ltd Debentures \| -	2%	₹152 Cr	15,000,000
Bharti Telecom Limited Debentures \| -	2%	₹149 Cr	15,000,000
Small Industries Development Bank Of India Debentures \| -	2%	₹145 Cr	14,500,000 ↓ -10,000,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹144 Cr	14,200,000 ↓ -2,500,000

7. Sundaram Corporate Bond Fund

(Erstwhile Sundaram Flexible Fund-Flexible Income Plan)

To generate reasonable returns by creating a portfolio comprising substantially of fixed income instruments and money market instruments by keeping the interest rate risk of the fund low.

Research Highlights for Sundaram Corporate Bond Fund

Bottom quartile AUM (₹768 Cr).
Established history (21+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.14% (lower mid).
1M return: 0.66% (bottom quartile).
Sharpe: 0.83 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.90% (bottom quartile).
Modified duration: 3.25 yrs (lower mid).
Average maturity: 4.27 yrs (upper mid).
Exit load: NIL.

Below is the key information for Sundaram Corporate Bond Fund

Sundaram Corporate Bond Fund Growth
Launch Date	30 Dec 04
NAV (16 Feb 26)	₹41.4809 ↑ 0.03 (0.07 %)
Net Assets (Cr)	₹768 on 31 Dec 25
Category	Debt - Corporate Bond
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.54
Sharpe Ratio	0.83
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	250
Exit Load	NIL
Yield to Maturity	6.9%
Effective Maturity	4 Years 3 Months 7 Days
Modified Duration	3 Years 3 Months

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,413
31 Jan 23	₹10,820
31 Jan 24	₹11,510
31 Jan 25	₹12,431
31 Jan 26	₹13,273

Sundaram Corporate 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 Sundaram Corporate 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 16 Feb 26

Duration	Returns
1 Month	0.7%
3 Month	0.8%
6 Month	2.4%
1 Year	7.1%
3 Year	7.1%
5 Year	6%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	8%
2022	6.3%
2021	3.7%
2020	3.5%
2019	11%
2018	11.3%
2017	4.8%
2016	5.4%
2015	11.7%

Fund Manager information for Sundaram Corporate Bond Fund

Name	Since	Tenure
Dwijendra Srivastava	31 Jul 10	15.52 Yr.
Sandeep Agarwal	1 Jun 12	13.68 Yr.

Data below for Sundaram Corporate Bond Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	10.95%
Debt	88.66%
Other	0.4%

Debt Sector Allocation

Sector	Value
Corporate	58.94%
Government	30.37%
Cash Equivalent	10.29%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.48% Gs 2035 Sovereign Bonds \| -	10%	₹74 Cr	7,500,000 ↓ -1,600,000
Small Industries Development Bank Of India Debentures \| -	7%	₹51 Cr	5,000
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹45 Cr	4,500
Indian Railway Finance Corporation Limited Debentures \| -	5%	₹40 Cr	4,000
LIC Housing Finance Ltd Debentures \| -	4%	₹30 Cr	300
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹25 Cr	2,500
Rec Limited Debentures \| -	3%	₹25 Cr	2,500
LIC Housing Finance Ltd Debentures \| -	3%	₹25 Cr	2,500
Embassy Office Parks Reit Debentures \| -	3%	₹25 Cr	2,500
Kotak Mahindra Prime Limited Debentures \| -	3%	₹25 Cr	2,500

8. Bandhan Corporate Bond Fund

The Fund seeks to provide steady income and capital appreciation by investing primarily in corporate debt securities across maturities and ratings. There is no assurance or guarantee that the objectives of the scheme will be realised.

Research Highlights for Bandhan Corporate Bond Fund

Upper mid AUM (₹14,856 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 6.99% (bottom quartile).
1M return: 0.70% (bottom quartile).
Sharpe: 0.82 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.73% (bottom quartile).
Modified duration: 2.50 yrs (top quartile).
Average maturity: 3.00 yrs (top quartile).
Exit load: NIL.

Below is the key information for Bandhan Corporate Bond Fund

Bandhan Corporate Bond Fund Growth
Launch Date	12 Jan 16
NAV (16 Feb 26)	₹19.8437 ↑ 0.01 (0.05 %)
Net Assets (Cr)	₹14,856 on 31 Dec 25
Category	Debt - Corporate Bond
AMC	IDFC Asset Management Company Limited
Rating	Not Rated
Risk	Moderate
Expense Ratio	0.65
Sharpe Ratio	0.82
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.73%
Effective Maturity	3 Years
Modified Duration	2 Years 6 Months

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,422
31 Jan 23	₹10,714
31 Jan 24	₹11,464
31 Jan 25	₹12,347
31 Jan 26	₹13,169

Bandhan Corporate 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 Bandhan Corporate 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 16 Feb 26

Duration	Returns
1 Month	0.7%
3 Month	0.9%
6 Month	2.3%
1 Year	7%
3 Year	7.2%
5 Year	5.9%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7.7%
2022	6.8%
2021	2.6%
2020	3.7%
2019	11.6%
2018	8.5%
2017	6.3%
2016	6.2%
2015

Fund Manager information for Bandhan Corporate Bond Fund

Name	Since	Tenure
Suyash Choudhary	28 Jul 21	4.52 Yr.
Gautam Kaul	1 Dec 21	4.17 Yr.
Brijesh Shah	10 Jun 24	1.64 Yr.

Data below for Bandhan Corporate Bond Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	21.2%
Debt	78.49%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	56.8%
Government	23.38%
Cash Equivalent	19.5%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen And Toubro Limited Debentures \| -	4%	₹607 Cr	60,000,000
6.01% Gs 2030 Sovereign Bonds \| -	4%	₹594 Cr	60,200,000 ↓ -68,500,000
Reliance Industries Limited Debentures \| -	4%	₹537 Cr	51,500,000 ↑ 27,500,000
Nuclear Power Corporation Of India Limited Debentures \| -	4%	₹510 Cr	50,400,000
Reliance Industries Limited Debentures \| -	3%	₹493 Cr	47,500,000 ↓ -10,000,000
Bajaj Finance Limited Debentures \| -	3%	₹408 Cr	41,000,000 ↓ -5,000,000
Ultratech Cement Limited Debentures \| -	2%	₹326 Cr	32,500,000
Rec Limited Debentures \| -	2%	₹295 Cr	30,000,000
LIC Housing Finance Ltd Debentures \| -	2%	₹277 Cr	27,500,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹252 Cr	25,000,000

9. Aditya Birla Sun Life Corporate Bond Fund

(Erstwhile Aditya Birla Sun Life Short Term Fund)

An Open-ended income scheme with the objective to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market securities.

Research Highlights for Aditya Birla Sun Life Corporate Bond Fund

Upper mid AUM (₹29,856 Cr).
Established history (28+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.83% (bottom quartile).
1M return: 0.83% (upper mid).
Sharpe: 0.66 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.12% (upper mid).
Modified duration: 4.90 yrs (bottom quartile).
Average maturity: 7.54 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for Aditya Birla Sun Life Corporate Bond Fund

Aditya Birla Sun Life Corporate Bond Fund Growth
Launch Date	3 Mar 97
NAV (16 Feb 26)	₹116.474 ↑ 0.12 (0.11 %)
Net Assets (Cr)	₹29,856 on 31 Dec 25
Category	Debt - Corporate Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.52
Sharpe Ratio	0.66
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.12%
Effective Maturity	7 Years 6 Months 14 Days
Modified Duration	4 Years 10 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,442
31 Jan 23	₹10,892
31 Jan 24	₹11,710
31 Jan 25	₹12,715
31 Jan 26	₹13,527

Aditya Birla Sun Life Corporate 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 Aditya Birla Sun Life Corporate 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 16 Feb 26

Duration	Returns
1 Month	0.8%
3 Month	0.8%
6 Month	2.4%
1 Year	6.8%
3 Year	7.6%
5 Year	6.4%
10 Year
15 Year
Since launch	8.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	8.5%
2022	7.3%
2021	4.1%
2020	4%
2019	11.9%
2018	9.6%
2017	7%
2016	6.5%
2015	10.2%

Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund

Name	Since	Tenure
Kaustubh Gupta	12 Apr 21	4.81 Yr.

Data below for Aditya Birla Sun Life Corporate Bond Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	2.95%
Debt	96.75%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	55.95%
Government	40.8%
Cash Equivalent	2.95%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Gs 2039 Sovereign Bonds \| -	8%	₹2,192 Cr	222,236,200
6.68% Gs 2040 Sovereign Bonds \| -	6%	₹1,594 Cr	165,500,000 ↓ -2,500,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹1,193 Cr	118,500
6.79% Gs 2034 Sovereign Bonds \| -	4%	₹1,049 Cr	104,519,400
6.33% Gs 2035 Sovereign Bonds \| -	4%	₹1,044 Cr	107,000,000 ↓ -500,000
7.34% Gs 2064 Sovereign Bonds \| -	3%	₹791 Cr	80,000,000
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹585 Cr	59,000
Bharti Telecom Limited Debentures \| -	2%	₹576 Cr	58,000
Rec Limited Debentures \| -	2%	₹573 Cr	60,000
Bharti Telecom Limited Debentures \| -	2%	₹506 Cr	50,900

10. HDFC Corporate Bond Fund

(Erstwhile HDFC Medium Term Opportunities Fund)

To generate regular income through investments in Debt/ Money Market Instruments and Government Securities with maturities not exceeding 60 months.

Research Highlights for HDFC Corporate Bond Fund

Highest AUM (₹34,805 Cr).
Established history (15+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderately Low.
1Y return: 6.77% (bottom quartile).
1M return: 0.74% (lower mid).
Sharpe: 0.63 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.13% (top quartile).
Modified duration: 4.53 yrs (bottom quartile).
Average maturity: 7.80 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for HDFC Corporate Bond Fund

HDFC Corporate Bond Fund Growth
Launch Date	29 Jun 10
NAV (16 Feb 26)	₹33.5489 ↑ 0.03 (0.10 %)
Net Assets (Cr)	₹34,805 on 31 Dec 25
Category	Debt - Corporate Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	0.63
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.13%
Effective Maturity	7 Years 9 Months 18 Days
Modified Duration	4 Years 6 Months 11 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,408
31 Jan 23	₹10,782
31 Jan 24	₹11,586
31 Jan 25	₹12,580
31 Jan 26	₹13,390

HDFC Corporate 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 HDFC Corporate 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 16 Feb 26

Duration	Returns
1 Month	0.7%
3 Month	0.7%
6 Month	2.2%
1 Year	6.8%
3 Year	7.6%
5 Year	6.2%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.3%
2023	8.6%
2022	7.2%
2021	3.3%
2020	3.9%
2019	11.8%
2018	10.3%
2017	6.5%
2016	6.5%
2015	10.6%

Fund Manager information for HDFC Corporate Bond Fund

Name	Since	Tenure
Anupam Joshi	27 Oct 15	10.27 Yr.
Dhruv Muchhal	22 Jun 23	2.61 Yr.

Data below for HDFC Corporate Bond Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	3.28%
Debt	96.42%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	58.32%
Government	38.08%
Cash Equivalent	3.3%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Gs 2040 Sovereign Bonds \| -	9%	₹3,130 Cr	325,000,000 ↓ -10,000,000
Bajaj Finance Limited Debentures \| -	3%	₹1,113 Cr	112,500
6.90% Gs 2065 Sovereign Bonds \| -	3%	₹1,062 Cr	113,500,000
Goi Floating Rate Bond 2033 Sovereign Bonds \| -	3%	₹836 Cr	81,000,000
State Bank Of India Debentures \| -	2%	₹766 Cr	775
HDFC Bank Limited Debentures \| -	2%	₹508 Cr	50,000
LIC Housing Finance Ltd Debentures \| -	2%	₹504 Cr	5,000
Small Industries Development Bank Of India Debentures \| -	2%	₹503 Cr	50,000
Rural Electrification Corporation Limited Debentures \| -	1%	₹464 Cr	4,500
Small Industries Development Bank Of India Debentures \| -	1%	₹457 Cr	45,000

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