ರಿಟರ್ನ್ಸ್ ಮೂಲಕ ಅತ್ಯುತ್ತಮ ಸಮತೋಲಿತ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು 2022

Updated on February 15, 2026 , 2980 views

ಅತ್ಯುತ್ತಮ ಸಮತೋಲಿತ ಪ್ರಯೋಜನ ನಿಧಿಗಳು ಇವೆಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ಅದು ಅವರ ಆಸ್ತಿಯಲ್ಲಿ 65% ಕ್ಕಿಂತ ಹೆಚ್ಚು ಹೂಡಿಕೆ ಮಾಡುತ್ತದೆಈಕ್ವಿಟಿಗಳು ಮತ್ತು ಸಾಲದ ಉಪಕರಣಗಳಲ್ಲಿನ ಉಳಿದ ಸ್ವತ್ತುಗಳು ಉತ್ತಮ ಒಟ್ಟಾರೆ ಆದಾಯವನ್ನು ನೀಡುತ್ತದೆ. ಸಮತೋಲಿತ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳು ಹೂಡಿಕೆದಾರರಿಗೆ ಲಾಭದಾಯಕವಾಗಿದ್ದು, ಅವರು ತೆಗೆದುಕೊಳ್ಳಲು ಸಿದ್ಧರಿದ್ದಾರೆಮಾರುಕಟ್ಟೆ ಕೆಲವು ಸ್ಥಿರ ಆದಾಯಗಳನ್ನು ಹುಡುಕುತ್ತಿರುವಾಗ ಅಪಾಯ. ಈಕ್ವಿಟಿಗಳು ಮತ್ತು ಸ್ಟಾಕ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿದ ಸ್ವತ್ತುಗಳು ಮಾರುಕಟ್ಟೆ-ಸಂಯೋಜಿತ ಆದಾಯವನ್ನು ನೀಡುತ್ತವೆ ಆದರೆ ಸಾಲ ಉಪಕರಣಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿದ ಸ್ವತ್ತುಗಳು ಸ್ಥಿರ ಆದಾಯವನ್ನು ನೀಡುತ್ತವೆ. ಇಕ್ವಿಟಿ ಮತ್ತು ಸಾಲ ಎರಡರ ಸಂಯೋಜನೆಯಾಗಿರುವುದರಿಂದ ಹೂಡಿಕೆದಾರರು ಬಹಳ ಜಾಗರೂಕರಾಗಿರಬೇಕುಹೂಡಿಕೆ ಈ ನಿಧಿಗಳಲ್ಲಿ. ಹೂಡಿಕೆದಾರರು ಟಾಪ್ ಅನ್ನು ನೋಡಲು ಸಲಹೆ ನೀಡುತ್ತಾರೆಸಮತೋಲಿತ ನಿಧಿ ಬ್ಯಾಲೆನ್ಸ್ಡ್ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಮೊದಲು. ನಾವು ಟಾಪ್ ಬ್ಯಾಲೆನ್ಸ್ಡ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳನ್ನು ಕೆಳಗೆ ಪಟ್ಟಿ ಮಾಡಿದ್ದೇವೆ.

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ರಿಟರ್ನ್ಸ್ ಮೂಲಕ ಟಾಪ್ 10 ಬ್ಯಾಲೆನ್ಸ್ಡ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Sundaram Equity Hybrid Fund Growth	₹135.137 ↑ 0.78	₹1,954	0.5	10.5	27.1	16	14.2
SBI Dynamic Asset Allocation Fund Growth	₹15.9463 ↑ 0.03	₹655	3.9	6.2	25.1	6.9	8.3
Axis Triple Advantage Fund Growth	₹45.4255 ↑ 0.16	₹1,875	5.1	13.9	23.3	15.9	11.4	15.3
SBI Multi Asset Allocation Fund Growth	₹66.8116 ↑ 0.00	₹13,033	4.8	13.1	22.9	20	14.8	18.6
Bandhan Hybrid Equity Fund Growth	₹27.134 ↑ 0.06	₹1,576	0.4	5.4	18.7	16.5	13.5	7.7
ICICI Prudential Multi-Asset Fund Growth	₹822.595 ↑ 2.89	₹78,179	2.1	9.3	17.2	19.5	19.8	18.6
Mirae Asset Hybrid Equity Fund Growth	₹33.634 ↑ 0.07	₹9,538	1.1	5.5	16.2	14.7	11.8	9.7
HDFC Multi-Asset Fund Growth	₹76.753 ↑ 0.01	₹5,460	2.3	7.6	16.2	15.4	13	13.2
ICICI Prudential Equity and Debt Fund Growth	₹410.84 ↑ 1.12	₹49,641	0.2	5.2	15.6	19.2	19.1	13.3
UTI Multi Asset Fund Growth	₹79.7729 ↑ 0.10	₹6,720	1.5	8.4	15.2	20.4	14.5	11.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Dec 21

Research Highlights & Commentary of 10 Funds showcased

Commentary	Sundaram Equity Hybrid Fund	SBI Dynamic Asset Allocation Fund	Axis Triple Advantage Fund	SBI Multi Asset Allocation Fund	Bandhan Hybrid Equity Fund	ICICI Prudential Multi-Asset Fund	Mirae Asset Hybrid Equity Fund	HDFC Multi-Asset Fund	ICICI Prudential Equity and Debt Fund	UTI Multi Asset Fund
Point 1	Lower mid AUM (₹1,954 Cr).	Bottom quartile AUM (₹655 Cr).	Bottom quartile AUM (₹1,875 Cr).	Upper mid AUM (₹13,033 Cr).	Bottom quartile AUM (₹1,576 Cr).	Highest AUM (₹78,179 Cr).	Upper mid AUM (₹9,538 Cr).	Lower mid AUM (₹5,460 Cr).	Top quartile AUM (₹49,641 Cr).	Upper mid AUM (₹6,720 Cr).
Point 2	Established history (25+ yrs).	Established history (10+ yrs).	Established history (15+ yrs).	Established history (20+ yrs).	Established history (9+ yrs).	Established history (23+ yrs).	Established history (10+ yrs).	Established history (20+ yrs).	Oldest track record among peers (26 yrs).	Established history (17+ yrs).
Point 3	Rating: 2★ (upper mid).	Not Rated.	Rating: 2★ (upper mid).	Top rated.	Not Rated.	Rating: 2★ (lower mid).	Not Rated.	Rating: 3★ (upper mid).	Rating: 4★ (top quartile).	Rating: 1★ (lower mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 14.20% (upper mid).	5Y return: 8.31% (bottom quartile).	5Y return: 11.44% (bottom quartile).	5Y return: 14.80% (upper mid).	5Y return: 13.48% (lower mid).	5Y return: 19.83% (top quartile).	5Y return: 11.82% (bottom quartile).	5Y return: 13.01% (lower mid).	5Y return: 19.15% (top quartile).	5Y return: 14.52% (upper mid).
Point 6	3Y return: 16.03% (lower mid).	3Y return: 6.92% (bottom quartile).	3Y return: 15.90% (lower mid).	3Y return: 20.00% (top quartile).	3Y return: 16.46% (upper mid).	3Y return: 19.53% (upper mid).	3Y return: 14.66% (bottom quartile).	3Y return: 15.40% (bottom quartile).	3Y return: 19.23% (upper mid).	3Y return: 20.41% (top quartile).
Point 7	1Y return: 27.10% (top quartile).	1Y return: 25.12% (top quartile).	1Y return: 23.33% (upper mid).	1Y return: 22.91% (upper mid).	1Y return: 18.67% (upper mid).	1Y return: 17.25% (lower mid).	1Y return: 16.22% (lower mid).	1Y return: 16.18% (bottom quartile).	1Y return: 15.59% (bottom quartile).	1Y return: 15.24% (bottom quartile).
Point 8	1M return: 1.80% (top quartile).	1M return: 1.04% (lower mid).	1M return: 1.19% (upper mid).	1M return: 0.84% (bottom quartile).	1M return: 1.33% (upper mid).	1M return: 0.60% (bottom quartile).	1M return: 1.10% (upper mid).	1M return: 1.38% (top quartile).	1M return: 0.89% (lower mid).	1M return: 0.28% (bottom quartile).
Point 9	Alpha: 5.81 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: -1.32 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.66 (upper mid).	Alpha: 0.00 (bottom quartile).	Alpha: 4.49 (top quartile).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 2.64 (top quartile).	Sharpe: 2.59 (top quartile).	Sharpe: 1.01 (lower mid).	Sharpe: 1.60 (upper mid).	Sharpe: 0.17 (bottom quartile).	Sharpe: 1.86 (upper mid).	Sharpe: 0.36 (bottom quartile).	Sharpe: 1.10 (upper mid).	Sharpe: 0.83 (lower mid).	Sharpe: 0.55 (bottom quartile).

Sundaram Equity Hybrid Fund

Lower mid AUM (₹1,954 Cr).
Established history (25+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 14.20% (upper mid).
3Y return: 16.03% (lower mid).
1Y return: 27.10% (top quartile).
1M return: 1.80% (top quartile).
Alpha: 5.81 (top quartile).
Sharpe: 2.64 (top quartile).

SBI Dynamic Asset Allocation Fund

Bottom quartile AUM (₹655 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 8.31% (bottom quartile).
3Y return: 6.92% (bottom quartile).
1Y return: 25.12% (top quartile).
1M return: 1.04% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 2.59 (top quartile).

Axis Triple Advantage Fund

Bottom quartile AUM (₹1,875 Cr).
Established history (15+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 11.44% (bottom quartile).
3Y return: 15.90% (lower mid).
1Y return: 23.33% (upper mid).
1M return: 1.19% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 1.01 (lower mid).

SBI Multi Asset Allocation Fund

Upper mid AUM (₹13,033 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 14.80% (upper mid).
3Y return: 20.00% (top quartile).
1Y return: 22.91% (upper mid).
1M return: 0.84% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 1.60 (upper mid).

Bandhan Hybrid Equity Fund

Bottom quartile AUM (₹1,576 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 13.48% (lower mid).
3Y return: 16.46% (upper mid).
1Y return: 18.67% (upper mid).
1M return: 1.33% (upper mid).
Alpha: -1.32 (bottom quartile).
Sharpe: 0.17 (bottom quartile).

ICICI Prudential Multi-Asset Fund

Highest AUM (₹78,179 Cr).
Established history (23+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.83% (top quartile).
3Y return: 19.53% (upper mid).
1Y return: 17.25% (lower mid).
1M return: 0.60% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 1.86 (upper mid).

Mirae Asset Hybrid Equity Fund

Upper mid AUM (₹9,538 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.82% (bottom quartile).
3Y return: 14.66% (bottom quartile).
1Y return: 16.22% (lower mid).
1M return: 1.10% (upper mid).
Alpha: 0.66 (upper mid).
Sharpe: 0.36 (bottom quartile).

HDFC Multi-Asset Fund

Lower mid AUM (₹5,460 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
5Y return: 13.01% (lower mid).
3Y return: 15.40% (bottom quartile).
1Y return: 16.18% (bottom quartile).
1M return: 1.38% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.10 (upper mid).

ICICI Prudential Equity and Debt Fund

Top quartile AUM (₹49,641 Cr).
Oldest track record among peers (26 yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately High.
5Y return: 19.15% (top quartile).
3Y return: 19.23% (upper mid).
1Y return: 15.59% (bottom quartile).
1M return: 0.89% (lower mid).
Alpha: 4.49 (top quartile).
Sharpe: 0.83 (lower mid).

UTI Multi Asset Fund

Upper mid AUM (₹6,720 Cr).
Established history (17+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 14.52% (upper mid).
3Y return: 20.41% (top quartile).
1Y return: 15.24% (bottom quartile).
1M return: 0.28% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.55 (bottom quartile).

ಟಾಪ್ 10 ಬ್ಯಾಲೆನ್ಸ್ಡ್ ಅಡ್ವಾಂಟೇಜ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು

1. Sundaram Equity Hybrid Fund

(Erstwhile Sundaram Balanced Fund)

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

Research Highlights for Sundaram Equity Hybrid Fund

Lower mid AUM (₹1,954 Cr).
Established history (25+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 14.20% (upper mid).
3Y return: 16.03% (lower mid).
1Y return: 27.10% (top quartile).
1M return: 1.80% (top quartile).
Alpha: 5.81 (top quartile).
Sharpe: 2.64 (top quartile).
Information ratio: -0.12 (bottom quartile).

Below is the key information for Sundaram Equity Hybrid Fund

Sundaram Equity Hybrid Fund Growth
Launch Date	23 Jun 00
NAV (31 Dec 21)	₹135.137 ↑ 0.78 (0.58 %)
Net Assets (Cr)	₹1,954 on 30 Nov 21
Category	Hybrid - Hybrid Equity
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆
Risk	Moderately High
Expense Ratio	2.18
Sharpe Ratio	2.64
Information Ratio	-0.12
Alpha Ratio	5.81
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000

Sundaram Equity Hybrid Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for Sundaram Equity Hybrid Fund

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

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

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Sundaram Equity Hybrid Fund

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Equity Sector Allocation

Sector	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

2. SBI Dynamic Asset Allocation Fund

The objective of the fund will be to provide investors with an opportunity to invest in a portfolio of a mix of equity and equity related securities and fixed income instruments. The allocation between fixed income and equity instruments will be managed dynamically so as to provide investors with long term capital appreciation However, there can be no assurance that the investment objective of the Scheme will be achieved.

Research Highlights for SBI Dynamic Asset Allocation Fund

Bottom quartile AUM (₹655 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 8.31% (bottom quartile).
3Y return: 6.92% (bottom quartile).
1Y return: 25.12% (top quartile).
1M return: 1.04% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 2.59 (top quartile).
Information ratio: 0.00 (upper mid).

Below is the key information for SBI Dynamic Asset Allocation Fund

SBI Dynamic Asset Allocation Fund Growth
Launch Date	26 Mar 15
NAV (02 Jul 21)	₹15.9463 ↑ 0.03 (0.18 %)
Net Assets (Cr)	₹655 on 31 May 21
Category	Hybrid - Dynamic Allocation
AMC	SBI Funds Management Private Limited
Rating	Not Rated
Risk	Moderately High
Expense Ratio	2.07
Sharpe Ratio	2.59
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000

SBI Dynamic Asset Allocation Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹376,357.
Net Profit of ₹76,357 Invest Now

Returns for SBI Dynamic Asset Allocation Fund

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

Duration	Returns
1 Month	1%
3 Month	3.9%
6 Month	6.2%
1 Year	25.1%
3 Year	6.9%
5 Year	8.3%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for SBI Dynamic Asset Allocation Fund

Name	Since	Tenure

Data below for SBI Dynamic Asset Allocation Fund as on 31 May 21

Asset Allocation

Asset Class	Value

Equity Sector Allocation

Sector	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

3. Axis Triple Advantage Fund

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

Research Highlights for Axis Triple Advantage Fund

Bottom quartile AUM (₹1,875 Cr).
Established history (15+ yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 11.44% (bottom quartile).
3Y return: 15.90% (lower mid).
1Y return: 23.33% (upper mid).
1M return: 1.19% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 1.01 (lower mid).
Information ratio: 0.00 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
High-quality debt (AAA/AA ~90%).
Largest holding Axis Gold ETF (~12.9%).

Below is the key information for Axis Triple Advantage Fund

Axis Triple Advantage Fund Growth
Launch Date	23 Aug 10
NAV (16 Feb 26)	₹45.4255 ↑ 0.16 (0.35 %)
Net Assets (Cr)	₹1,875 on 31 Dec 25
Category	Hybrid - Multi Asset
AMC	Axis Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	2.1
Sharpe Ratio	1.01
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹12,316
31 Jan 23	₹11,603
31 Jan 24	₹13,362
31 Jan 25	₹15,261
31 Jan 26	₹18,429

Axis Triple Advantage Fund SIP Returns

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

Returns for Axis Triple Advantage Fund

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

Duration	Returns
1 Month	1.2%
3 Month	5.1%
6 Month	13.9%
1 Year	23.3%
3 Year	15.9%
5 Year	11.4%
10 Year
15 Year
Since launch	10.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	15.3%
2023	15.4%
2022	12.9%
2021	-5.8%
2020	22.8%
2019	18%
2018	15.3%
2017	1.9%
2016	15.9%
2015	7.1%

Fund Manager information for Axis Triple Advantage Fund

Name	Since	Tenure
Devang Shah	5 Apr 24	1.82 Yr.
Aditya Pagaria	1 Jun 24	1.67 Yr.
Ashish Naik	22 Jun 16	9.62 Yr.
Hardik Shah	5 Apr 24	1.82 Yr.
Pratik Tibrewal	1 Feb 25	1 Yr.
Krishnaa N	16 Dec 24	1.13 Yr.

Data below for Axis Triple Advantage Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	9.13%
Equity	64.69%
Debt	9.38%
Other	16.79%

Equity Sector Allocation

Sector	Value
Financial Services	23.2%
Consumer Cyclical	8.51%
Technology	6.26%
Health Care	6.22%
Basic Materials	6.15%
Industrials	5.66%
Consumer Defensive	4.56%
Energy	3.3%
Communication Services	2.46%
Real Estate	0.94%
Utility	0.07%

Debt Sector Allocation

Sector	Value
Cash Equivalent	9.74%
Corporate	6.29%
Government	2.48%

Credit Quality

Rating	Value
A	10.39%
AA	38.79%
AAA	50.82%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Gold ETF - \| -	13%	₹264 Cr	20,259,852 ↓ -3,988,399
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 10 \| HDFCBANK	7%	₹141 Cr	1,518,753 ↑ 509,735
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 18 \| ICICIBANK	5%	₹103 Cr	756,550 ↑ 55,032
Axis Silver ETF - \| -	4%	₹87 Cr	2,917,000 ↓ -333,000
State Bank of India (Financial Services) Equity, Since 30 Nov 22 \| SBIN	4%	₹77 Cr	716,029 ↑ 86,532
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 19 \| RELIANCE	3%	₹64 Cr	455,456 ↑ 328,114
Future on BANK Index - \| -	3%	-₹55 Cr	584,650 ↑ 182,050
Infosys Ltd (Technology) Equity, Since 31 May 18 \| INFY	2%	₹45 Cr	276,762
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Oct 24 \| KOTAKBANK	2%	₹42 Cr	1,023,663 ↑ 281,083
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 24 \| BHARTIARTL	2%	₹40 Cr	202,647

4. SBI Multi Asset Allocation Fund

(Erstwhile SBI Magnum Monthly Income Plan Floater)

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

Research Highlights for SBI Multi Asset Allocation Fund

Upper mid AUM (₹13,033 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 14.80% (upper mid).
3Y return: 20.00% (top quartile).
1Y return: 22.91% (upper mid).
1M return: 0.84% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 1.60 (upper mid).
Information ratio: 0.00 (lower mid).
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
High-quality debt (AAA/AA ~98%).
Largest holding SBI Silver ETF (~6.2%).

Below is the key information for SBI Multi Asset Allocation Fund

SBI Multi Asset Allocation Fund Growth
Launch Date	21 Dec 05
NAV (17 Feb 26)	₹66.8116 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹13,033 on 31 Dec 25
Category	Hybrid - Multi Asset
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.46
Sharpe Ratio	1.6
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹11,431
31 Jan 23	₹11,977
31 Jan 24	₹15,246
31 Jan 25	₹16,963
31 Jan 26	₹20,613

SBI Multi Asset Allocation Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for SBI Multi Asset Allocation Fund

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

Duration	Returns
1 Month	0.8%
3 Month	4.8%
6 Month	13.1%
1 Year	22.9%
3 Year	20%
5 Year	14.8%
10 Year
15 Year
Since launch	9.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	18.6%
2023	12.8%
2022	24.4%
2021	6%
2020	13%
2019	14.2%
2018	10.6%
2017	0.4%
2016	10.9%
2015	8.7%

Fund Manager information for SBI Multi Asset Allocation Fund

Name	Since	Tenure
Dinesh Balachandran	31 Oct 21	4.26 Yr.
Mansi Sajeja	1 Dec 23	2.17 Yr.
Vandna Soni	1 Jan 24	2.09 Yr.

Data below for SBI Multi Asset Allocation Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	14.55%
Equity	46.65%
Debt	29.4%
Other	9.4%

Equity Sector Allocation

Sector	Value
Financial Services	12.84%
Real Estate	5.6%
Basic Materials	5.35%
Consumer Cyclical	4.86%
Energy	4.05%
Technology	3.18%
Consumer Defensive	2.54%
Utility	2.11%
Industrials	1.84%
Communication Services	1.75%
Health Care	1.67%

Debt Sector Allocation

Sector	Value
Corporate	25.73%
Cash Equivalent	13.22%
Government	5.01%

Credit Quality

Rating	Value
A	2.03%
AA	55.85%
AAA	42.12%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
SBI Silver ETF - \| -	6%	₹920 Cr	32,296,178 ↓ -8,000,000
Brookfield India Real Estate Trust (Real Estate) -, Since 30 Apr 25 \| BIRET	4%	₹535 Cr	15,164,234
SBI Gold ETF - \| -	3%	₹508 Cr	37,241,000
Adani Power Limited Debentures \| -	2%	₹299 Cr	30,000 ↑ 30,000
Punjab National Bank (Financial Services) Equity, Since 31 Oct 24 \| PNB	2%	₹263 Cr	21,000,000
Jtpm Metal TRaders Limited Debentures \| -	2%	₹258 Cr	25,000
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 22 \| HDFCBANK	2%	₹247 Cr	2,662,000
Union Bank of India Domestic Bonds \| -	2%	₹244 Cr	5,000 ↑ 5,000
GAIL (India) Ltd (Utilities) Equity, Since 31 Mar 21 \| GAIL	2%	₹240 Cr	14,350,297
Reliance Industries Ltd (Energy) Equity, Since 15 Sep 24 \| RELIANCE	2%	₹240 Cr	1,720,000

5. Bandhan Hybrid Equity Fund

(Erstwhile IDFC Balanced Fund)

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

Research Highlights for Bandhan Hybrid Equity Fund

Bottom quartile AUM (₹1,576 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 13.48% (lower mid).
3Y return: 16.46% (upper mid).
1Y return: 18.67% (upper mid).
1M return: 1.33% (upper mid).
Alpha: -1.32 (bottom quartile).
Sharpe: 0.17 (bottom quartile).
Information ratio: 0.62 (top quartile).
Top sector: Financial Services.
Top bond sector: Corporate.
Equity-heavy allocation (~78%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~5.6%).

Below is the key information for Bandhan Hybrid Equity Fund

Bandhan Hybrid Equity Fund Growth
Launch Date	30 Dec 16
NAV (17 Feb 26)	₹27.134 ↑ 0.06 (0.21 %)
Net Assets (Cr)	₹1,576 on 31 Dec 25
Category	Hybrid - Hybrid Equity
AMC	IDFC Asset Management Company Limited
Rating	Not Rated
Risk	Moderately High
Expense Ratio	2.35
Sharpe Ratio	0.17
Information Ratio	0.62
Alpha Ratio	-1.32
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	₹12,888
31 Jan 23	₹12,821
31 Jan 24	₹15,921
31 Jan 25	₹17,745
31 Jan 26	₹19,939

Bandhan Hybrid Equity 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 Hybrid Equity Fund

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

Duration	Returns
1 Month	1.3%
3 Month	0.4%
6 Month	5.4%
1 Year	18.7%
3 Year	16.5%
5 Year	13.5%
10 Year
15 Year
Since launch	11.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	21%
2022	20.4%
2021	-1.1%
2020	30.8%
2019	13.9%
2018	4.7%
2017	-3.8%
2016	16.2%
2015

Fund Manager information for Bandhan Hybrid Equity Fund

Name	Since	Tenure
Harshal Joshi	28 Jul 21	4.52 Yr.
Brijesh Shah	10 Jun 24	1.64 Yr.
Prateek Poddar	7 Jun 24	1.65 Yr.
Ritika Behera	7 Oct 23	2.32 Yr.
Gaurav Satra	7 Jun 24	1.65 Yr.

Data below for Bandhan Hybrid Equity Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	4.99%
Equity	77.63%
Debt	17.38%

Equity Sector Allocation

Sector	Value
Financial Services	22.64%
Consumer Cyclical	11.99%
Technology	8%
Health Care	6.39%
Industrials	6.05%
Basic Materials	5.97%
Consumer Defensive	4.92%
Energy	3.96%
Utility	3.5%
Communication Services	3.01%
Real Estate	1.17%

Debt Sector Allocation

Sector	Value
Corporate	9.43%
Government	7.95%
Cash Equivalent	4.99%

Credit Quality

Rating	Value
AA	4.37%
AAA	95.63%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Jun 24 \| HDFCBANK	6%	₹92 Cr	992,042 ↓ -2,027
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jul 24 \| ICICIBANK	5%	₹78 Cr	574,500 ↑ 109,372
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 20 \| RELIANCE	4%	₹62 Cr	440,969 ↓ -47,022
Tata Capital Limited Debentures \| -	3%	₹50 Cr	5,000,000
7.30% Gs 2053 Sovereign Bonds \| -	3%	₹50 Cr	5,000,000
LIC Housing Finance Ltd Debentures \| -	3%	₹45 Cr	4,500,000 ↑ 4,500,000
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	3%	₹45 Cr	416,237 ↑ 15,707
Infosys Ltd (Technology) Equity, Since 31 Jan 17 \| INFY	3%	₹44 Cr	266,662 ↑ 15,696
Axis Bank Ltd (Financial Services) Equity, Since 31 Jan 17 \| AXISBANK	3%	₹43 Cr	316,843 ↓ -34,434
NTPC Ltd (Utilities) Equity, Since 28 Feb 23 \| NTPC	2%	₹39 Cr	1,090,788 ↑ 39,365

6. ICICI Prudential Multi-Asset Fund

(Erstwhile ICICI Prudential Dynamic Plan)

To generate capital appreciation by actively investing in equity and equity related securities. For defensive considerations, the Scheme may invest in debt, money market instruments and derivatives. The investment manager will have the discretion to take aggressive asset calls i.e. by staying 100% invested in equity market/equity related instruments at a given point of time and 0% at another, in which case, the fund may be invested in debt related instruments at its discretion. The AMC may choose to churn the portfolio of the Scheme in order to achieve the investment objective. The Scheme is suitable for investors seeking high returns and for those who are willing to take commensurate risks.

Research Highlights for ICICI Prudential Multi-Asset Fund

Highest AUM (₹78,179 Cr).
Established history (23+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.83% (top quartile).
3Y return: 19.53% (upper mid).
1Y return: 17.25% (lower mid).
1M return: 0.60% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 1.86 (upper mid).
Information ratio: 0.00 (lower mid).
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
High-quality debt (AAA/AA ~99%).
Largest holding ICICI Pru Gold ETF (~9.1%).

Below is the key information for ICICI Prudential Multi-Asset Fund

ICICI Prudential Multi-Asset Fund Growth
Launch Date	31 Oct 02
NAV (16 Feb 26)	₹822.595 ↑ 2.89 (0.35 %)
Net Assets (Cr)	₹78,179 on 31 Dec 25
Category	Hybrid - Multi Asset
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.47
Sharpe Ratio	1.86
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹14,181
31 Jan 23	₹15,831
31 Jan 24	₹20,109
31 Jan 25	₹23,330
31 Jan 26	₹27,072

ICICI Prudential Multi-Asset Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for ICICI Prudential Multi-Asset Fund

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

Duration	Returns
1 Month	0.6%
3 Month	2.1%
6 Month	9.3%
1 Year	17.2%
3 Year	19.5%
5 Year	19.8%
10 Year
15 Year
Since launch	20.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	18.6%
2023	16.1%
2022	24.1%
2021	16.8%
2020	34.7%
2019	9.9%
2018	7.7%
2017	-2.2%
2016	28.2%
2015	12.5%

Fund Manager information for ICICI Prudential Multi-Asset Fund

Name	Since	Tenure
Sankaran Naren	1 Feb 12	14.01 Yr.
Manish Banthia	22 Jan 24	2.03 Yr.
Ihab Dalwai	3 Jun 17	8.67 Yr.
Akhil Kakkar	22 Jan 24	2.03 Yr.
Sri Sharma	30 Apr 21	4.76 Yr.
Gaurav Chikane	2 Aug 21	4.5 Yr.
Sharmila D'Silva	31 Jul 22	3.51 Yr.
Masoomi Jhurmarvala	4 Nov 24	1.24 Yr.

Data below for ICICI Prudential Multi-Asset Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	17.14%
Equity	64.5%
Debt	8.61%
Other	9.75%

Equity Sector Allocation

Sector	Value
Financial Services	21.64%
Consumer Cyclical	11.89%
Consumer Defensive	6.97%
Industrials	6.24%
Technology	5.51%
Basic Materials	5.43%
Energy	4.1%
Health Care	3.53%
Utility	2.33%
Communication Services	1.97%
Real Estate	1.93%

Debt Sector Allocation

Sector	Value
Cash Equivalent	15.9%
Corporate	5.03%
Government	4.81%

Credit Quality

Rating	Value
A	1.28%
AA	17.26%
AAA	81.46%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Pru Gold ETF - \| -	9%	₹7,375 Cr	528,202,636 ↑ 38,731,754
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 06 \| ICICIBANK	4%	₹3,153 Cr	23,271,875
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jan 22 \| HDFCBANK	4%	₹2,932 Cr	31,556,280 ↑ 8,362,197
Axis Bank Ltd (Financial Services) Equity, Since 31 Dec 20 \| AXISBANK	3%	₹2,292 Cr	16,726,017 ↓ -950,000
ITC Ltd (Consumer Defensive) Equity, Since 31 Mar 24 \| ITC	3%	₹2,208 Cr	68,525,718 ↑ 19,307,692
Reliance Industries Ltd (Energy) Equity, Since 31 Dec 20 \| RELIANCE	3%	₹2,142 Cr	15,349,805
Infosys Ltd (Technology) Equity, Since 31 Oct 19 \| INFY	2%	₹1,842 Cr	11,225,639 ↓ -188,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 28 Feb 23 \| INDIGO	2%	₹1,705 Cr	3,709,974 ↑ 1,141,295
Bajaj Finserv Ltd (Financial Services) Equity, Since 31 Jan 24 \| BAJAJFINSV	2%	₹1,580 Cr	8,094,127 ↑ 2,792,657
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Aug 21 \| MARUTI	2%	₹1,487 Cr	1,018,654 ↑ 100,000

7. Mirae Asset Hybrid Equity Fund

(Erstwhile Mirae Asset Prudence Fund)

The investment objective of the Scheme is to generate capital appreciation along with current income from a combined portfolio of predominantly investing in equity & equity related instruments and balance in debt and money market instruments. The Scheme does not guarantee or assure any returns.

Research Highlights for Mirae Asset Hybrid Equity Fund

Upper mid AUM (₹9,538 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.82% (bottom quartile).
3Y return: 14.66% (bottom quartile).
1Y return: 16.22% (lower mid).
1M return: 1.10% (upper mid).
Alpha: 0.66 (upper mid).
Sharpe: 0.36 (bottom quartile).
Information ratio: 0.42 (upper mid).
Top sector: Financial Services.
Top bond sector: Corporate.
Equity-heavy allocation (~77%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~7.0%).

Below is the key information for Mirae Asset Hybrid Equity Fund

Mirae Asset Hybrid Equity Fund Growth
Launch Date	29 Jul 15
NAV (17 Feb 26)	₹33.634 ↑ 0.07 (0.20 %)
Net Assets (Cr)	₹9,538 on 31 Dec 25
Category	Hybrid - Hybrid Equity
AMC	Mirae Asset Global Inv (India) Pvt. Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	1.16
Sharpe Ratio	0.36
Information Ratio	0.42
Alpha Ratio	0.66
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹12,447
31 Jan 23	₹12,538
31 Jan 24	₹15,364
31 Jan 25	₹16,890
31 Jan 26	₹18,651

Mirae Asset Hybrid Equity Fund SIP Returns

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

Returns for Mirae Asset Hybrid Equity Fund

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

Duration	Returns
1 Month	1.1%
3 Month	1.1%
6 Month	5.5%
1 Year	16.2%
3 Year	14.7%
5 Year	11.8%
10 Year
15 Year
Since launch	12.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9.7%
2023	13.6%
2022	19%
2021	2.4%
2020	23.8%
2019	13.7%
2018	11.9%
2017	1.3%
2016	27.8%
2015	8.5%

Fund Manager information for Mirae Asset Hybrid Equity Fund

Name	Since	Tenure
Vrijesh Kasera	1 Apr 20	5.84 Yr.
Harshad Borawake	1 Apr 20	5.84 Yr.
Basant Bafna	27 Dec 25	0.1 Yr.

Data below for Mirae Asset Hybrid Equity Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	3.95%
Equity	76.57%
Debt	19.47%

Equity Sector Allocation

Sector	Value
Financial Services	26.38%
Consumer Cyclical	8.55%
Industrials	7.53%
Health Care	6.31%
Basic Materials	6.14%
Technology	5.92%
Energy	4.2%
Consumer Defensive	3.91%
Utility	3.89%
Communication Services	3.22%
Real Estate	0.52%

Debt Sector Allocation

Sector	Value
Corporate	10.85%
Government	8.88%
Cash Equivalent	3.69%

Credit Quality

Rating	Value
AA	9.72%
AAA	90.28%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 15 \| HDFCBANK	7%	₹663 Cr	7,130,361 ↑ 500,000
State Bank of India (Financial Services) Equity, Since 31 Jul 15 \| SBIN	4%	₹418 Cr	3,879,966
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jul 15 \| ICICIBANK	4%	₹399 Cr	2,945,542 ↑ 60,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Jul 15 \| AXISBANK	3%	₹287 Cr	2,097,277
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 15 \| RELIANCE	3%	₹283 Cr	2,026,068 ↑ 70,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Jul 15 \| LT	3%	₹238 Cr	604,332
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jul 15 \| BHARTIARTL	2%	₹223 Cr	1,130,968 ↑ 25,000
Infosys Ltd (Technology) Equity, Since 31 Jul 15 \| INFY	2%	₹216 Cr	1,314,141
NTPC Ltd (Utilities) Equity, Since 30 Apr 22 \| NTPC	2%	₹206 Cr	5,783,328 ↓ -1,350,000
Torrent Pharmaceuticals Limited Debentures \| -	2%	₹165 Cr	16,500,000 ↑ 16,500,000

8. HDFC Multi-Asset Fund

(Erstwhile HDFC Multiple Yield Fund - Plan 2005)

To generate positive returns over medium time frame with low risk of capital loss over medium time frame. However, there can be no assurance that the investment objective of the Scheme will be achieved

Research Highlights for HDFC Multi-Asset Fund

Lower mid AUM (₹5,460 Cr).
Established history (20+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
5Y return: 13.01% (lower mid).
3Y return: 15.40% (bottom quartile).
1Y return: 16.18% (bottom quartile).
1M return: 1.38% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.10 (upper mid).
Information ratio: 0.00 (bottom quartile).
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~29%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Gold ETF (~11.7%).

Below is the key information for HDFC Multi-Asset Fund

HDFC Multi-Asset Fund Growth
Launch Date	17 Aug 05
NAV (17 Feb 26)	₹76.753 ↑ 0.01 (0.01 %)
Net Assets (Cr)	₹5,460 on 31 Dec 25
Category	Hybrid - Multi Asset
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.85
Sharpe Ratio	1.1
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-15 Months (1%),15 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹11,956
31 Jan 23	₹12,562
31 Jan 24	₹15,094
31 Jan 25	₹16,850
31 Jan 26	₹19,343

HDFC Multi-Asset 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 HDFC Multi-Asset Fund

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

Duration	Returns
1 Month	1.4%
3 Month	2.3%
6 Month	7.6%
1 Year	16.2%
3 Year	15.4%
5 Year	13%
10 Year
15 Year
Since launch	10.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	13.2%
2023	13.5%
2022	18%
2021	4.3%
2020	17.9%
2019	20.9%
2018	9.3%
2017	-1.9%
2016	11.8%
2015	8.9%

Fund Manager information for HDFC Multi-Asset Fund

Name	Since	Tenure
Anil Bamboli	17 Aug 05	20.47 Yr.
Arun Agarwal	24 Aug 20	5.44 Yr.
Srinivasan Ramamurthy	13 Jan 22	4.05 Yr.
Bhagyesh Kagalkar	2 Feb 22	4 Yr.
Dhruv Muchhal	22 Jun 23	2.61 Yr.
Nandita Menezes	29 Mar 25	0.84 Yr.

Data below for HDFC Multi-Asset Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	29.12%
Equity	49.69%
Debt	9.63%
Other	11.56%

Equity Sector Allocation

Sector	Value
Financial Services	21.22%
Technology	7.92%
Consumer Cyclical	7.89%
Energy	6.84%
Health Care	5.43%
Industrials	4.08%
Consumer Defensive	3.15%
Basic Materials	3.04%
Utility	3.04%
Communication Services	2.91%
Real Estate	1.87%

Debt Sector Allocation

Sector	Value
Cash Equivalent	28.54%
Corporate	5.78%
Government	4.43%

Credit Quality

Rating	Value
AA	14.51%
AAA	85.49%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Gold ETF - \| -	12%	₹670 Cr	49,159,819 ↓ -8,786,928
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 18 \| RELIANCE	5%	₹288 Cr	2,066,500 ↑ 50,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 May 18 \| HDFCBANK	4%	₹255 Cr	2,741,200 ↑ 100,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Jun 18 \| ICICIBANK	4%	₹243 Cr	1,796,600 ↓ -429,100
Infosys Ltd (Technology) Equity, Since 31 Jan 16 \| INFY	4%	₹234 Cr	1,423,600 ↑ 823,600
Future on Reliance Industries Ltd Derivatives \| -	3%	-₹177 Cr	1,266,500 ↑ 1,266,500
State Bank of India (Financial Services) Equity, Since 31 Aug 21 \| SBIN	3%	₹170 Cr	1,575,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Jun 18 \| BHARTIARTL	3%	₹144 Cr	731,925
Future on Infosys Ltd Derivatives \| -	2%	-₹135 Cr	823,600 ↑ 823,600
Axis Bank Ltd (Financial Services) Equity, Since 31 Jan 21 \| AXISBANK	2%	₹110 Cr	800,000

9. ICICI Prudential Equity and Debt Fund

(Erstwhile ICICI Prudential Balanced Fund)

To generate long term capital appreciation and current income from a portfolio that is invested in equity and equity related securities as well as in fixed income securities.

Research Highlights for ICICI Prudential Equity and Debt Fund

Top quartile AUM (₹49,641 Cr).
Oldest track record among peers (26 yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately High.
5Y return: 19.15% (top quartile).
3Y return: 19.23% (upper mid).
1Y return: 15.59% (bottom quartile).
1M return: 0.89% (lower mid).
Alpha: 4.49 (top quartile).
Sharpe: 0.83 (lower mid).
Information ratio: 1.94 (top quartile).
Top sector: Financial Services.
Top bond sector: Government.
Equity-heavy allocation (~77%).
High-quality debt (AAA/AA ~98%).
Largest holding ICICI Bank Ltd (~6.2%).

Below is the key information for ICICI Prudential Equity and Debt Fund

ICICI Prudential Equity and Debt Fund Growth
Launch Date	3 Nov 99
NAV (17 Feb 26)	₹410.84 ↑ 1.12 (0.27 %)
Net Assets (Cr)	₹49,641 on 31 Dec 25
Category	Hybrid - Hybrid Equity
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.6
Sharpe Ratio	0.83
Information Ratio	1.94
Alpha Ratio	4.49
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	₹14,720
31 Jan 23	₹15,731
31 Jan 24	₹20,942
31 Jan 25	₹23,632
31 Jan 26	₹26,355

ICICI Prudential Equity and Debt Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for ICICI Prudential Equity and Debt Fund

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

Duration	Returns
1 Month	0.9%
3 Month	0.2%
6 Month	5.2%
1 Year	15.6%
3 Year	19.2%
5 Year	19.1%
10 Year
15 Year
Since launch	15.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	13.3%
2023	17.2%
2022	28.2%
2021	11.7%
2020	41.7%
2019	9%
2018	9.3%
2017	-1.9%
2016	24.8%
2015	13.7%

Fund Manager information for ICICI Prudential Equity and Debt Fund

Name	Since	Tenure
Sankaran Naren	7 Dec 15	10.16 Yr.
Manish Banthia	19 Sep 13	12.38 Yr.
Mittul Kalawadia	29 Dec 20	5.1 Yr.
Akhil Kakkar	22 Jan 24	2.03 Yr.
Sri Sharma	30 Apr 21	4.76 Yr.
Sharmila D'Silva	31 Jul 22	3.51 Yr.
Nitya Mishra	4 Nov 24	1.24 Yr.

Data below for ICICI Prudential Equity and Debt Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	6.36%
Equity	76.7%
Debt	16.9%
Other	0%

Equity Sector Allocation

Sector	Value
Financial Services	19.7%
Consumer Cyclical	11.2%
Energy	7.7%
Industrials	7.23%
Consumer Defensive	6.67%
Health Care	6.43%
Utility	5.97%
Technology	3.91%
Real Estate	3.01%
Basic Materials	2.64%
Communication Services	2.28%

Debt Sector Allocation

Sector	Value
Government	10.1%
Corporate	8.8%
Cash Equivalent	4.4%

Credit Quality

Rating	Value
A	1.7%
AA	19.74%
AAA	78.57%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jul 12 \| ICICIBANK	6%	₹3,075 Cr	22,692,140 ↓ -270,713
NTPC Ltd (Utilities) Equity, Since 28 Feb 17 \| NTPC	5%	₹2,663 Cr	74,795,559 ↓ -1,565,210
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 22 \| RELIANCE	5%	₹2,643 Cr	18,943,909 ↑ 400,000
HDFC Bank Ltd (Financial Services) Equity, Since 30 Apr 21 \| HDFCBANK	5%	₹2,382 Cr	25,630,965 ↑ 3,908,272
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 31 May 16 \| SUNPHARMA	5%	₹2,262 Cr	14,178,073 ↑ 616,988
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 21 \| AXISBANK	3%	₹1,570 Cr	11,459,322
TVS Motor Co Ltd (Consumer Cyclical) Equity, Since 28 Feb 18 \| TVSMOTOR	3%	₹1,464 Cr	3,981,427 ↓ -30,966
Avenue Supermarts Ltd (Consumer Defensive) Equity, Since 31 Jan 23 \| DMART	2%	₹1,187 Cr	3,218,463
InterGlobe Aviation Ltd (Industrials) Equity, Since 28 Feb 23 \| INDIGO	2%	₹1,166 Cr	2,535,996 ↑ 76,418
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Jul 21 \| MARUTI	2%	₹1,132 Cr	775,315 ↓ -14,852

10. UTI Multi Asset Fund

(Erstwhile UTI Wealth Builder Fund)

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

Research Highlights for UTI Multi Asset Fund

Upper mid AUM (₹6,720 Cr).
Established history (17+ yrs).
Rating: 1★ (lower mid).
Risk profile: Moderately High.
5Y return: 14.52% (upper mid).
3Y return: 20.41% (top quartile).
1Y return: 15.24% (bottom quartile).
1M return: 0.28% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.55 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Government.
Equity-heavy allocation (~68%).
High-quality debt (AAA/AA ~100%).
Largest holding UTI Gold ETF (~14.7%).

Below is the key information for UTI Multi Asset Fund

UTI Multi Asset Fund Growth
Launch Date	21 Oct 08
NAV (17 Feb 26)	₹79.7729 ↑ 0.10 (0.12 %)
Net Assets (Cr)	₹6,720 on 31 Dec 25
Category	Hybrid - Multi Asset
AMC	UTI Asset Management Company Ltd
Rating	☆
Risk	Moderately High
Expense Ratio	1.79
Sharpe Ratio	0.55
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹11,256
31 Jan 23	₹11,655
31 Jan 24	₹15,639
31 Jan 25	₹18,105
31 Jan 26	₹20,438

UTI Multi Asset Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for UTI Multi Asset Fund

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

Duration	Returns
1 Month	0.3%
3 Month	1.5%
6 Month	8.4%
1 Year	15.2%
3 Year	20.4%
5 Year	14.5%
10 Year
15 Year
Since launch	12.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	11.1%
2023	20.7%
2022	29.1%
2021	4.4%
2020	11.8%
2019	13.1%
2018	3.9%
2017	-0.5%
2016	17.1%
2015	7.3%

Fund Manager information for UTI Multi Asset Fund

Name	Since	Tenure
Sharwan Kumar Goyal	12 Nov 21	4.22 Yr.
Jaydeep Bhowal	1 Oct 24	1.34 Yr.

Data below for UTI Multi Asset Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	7.68%
Equity	68.24%
Debt	9.48%
Other	14.6%

Equity Sector Allocation

Sector	Value
Financial Services	15.97%
Technology	11.06%
Consumer Defensive	8.74%
Consumer Cyclical	8.66%
Industrials	5.58%
Basic Materials	4.97%
Health Care	4.22%
Real Estate	3.79%
Energy	3.27%
Communication Services	2.96%

Debt Sector Allocation

Sector	Value
Government	6.42%
Cash Equivalent	6.3%
Corporate	4.44%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
UTI Gold ETF - \| -	15%	₹1,009 Cr	75,949,369 ↓ -69,567
State Bank of India (Financial Services) Equity, Since 31 Oct 25 \| SBIN	3%	₹185 Cr	1,716,730
Infosys Ltd (Technology) Equity, Since 31 Mar 24 \| INFY	3%	₹178 Cr	1,086,475 ↑ 30,677
Asian Paints Ltd (Basic Materials) Equity, Since 31 Oct 24 \| ASIANPAINT	2%	₹158 Cr	650,377
Nestle India Ltd (Consumer Defensive) Equity, Since 29 Feb 24 \| NESTLEIND	2%	₹152 Cr	1,142,201 ↑ 22,681
ITC Ltd (Consumer Defensive) Equity, Since 31 Oct 22 \| ITC	2%	₹149 Cr	4,622,966 ↑ 369,276
Coal India Ltd (Energy) Equity, Since 31 Oct 22 \| COALINDIA	2%	₹147 Cr	3,341,545
Tata Consultancy Services Ltd (Technology) Equity, Since 29 Feb 24 \| TCS	2%	₹139 Cr	444,634 ↑ 12,793
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 24 \| BHARTIARTL	2%	₹137 Cr	697,974 ↑ 20,408
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Oct 23 \| MARUTI	2%	₹130 Cr	89,156 ↑ 2,752

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