മികച്ച ബോണ്ട് മ്യൂച്വൽ ഫണ്ടുകൾ 2022

Updated on October 15, 2025 , 28990 views

ബോണ്ട്മ്യൂച്വൽ ഫണ്ടുകൾ എന്നതിനേക്കാൾ ഉയർന്ന വരുമാനം വാഗ്ദാനം ചെയ്യുന്നുബാങ്ക് അക്കൗണ്ടുകൾ വളരെ ദ്രാവക സ്വഭാവമുള്ളവയാണ്, അതായത് നിക്ഷേപകർക്ക് ഏത് സമയത്തും അവരുടെ നിക്ഷേപം വീണ്ടെടുക്കാൻ കഴിയും. ചില മികച്ച മേജർനിക്ഷേപത്തിന്റെ നേട്ടങ്ങൾ ബോണ്ട് ഫണ്ടുകളിൽ ചെലവ് കുറഞ്ഞ ഘടനയും താരതമ്യേന ഉയർന്ന വരുമാനവും ഉയർന്നതുമാണ്ദ്രവ്യത ന്യായമായ സുരക്ഷയും.

ബോണ്ട് ഫണ്ടുകൾ എന്നും അറിയപ്പെടുന്നുഡെറ്റ് ഫണ്ട്. ഫിക്സഡിൽ നിക്ഷേപിക്കുന്ന ഒരു തരം മ്യൂച്വൽ ഫണ്ട് സ്കീമാണ് ഇത്വരുമാനം സർക്കാരും കോർപ്പറേറ്റും പോലുള്ള ഉപകരണങ്ങൾബോണ്ടുകൾ,പണ വിപണി ഉപകരണങ്ങൾ, കോർപ്പറേറ്റ് ഡെറ്റ് സെക്യൂരിറ്റികൾ മുതലായവമൂലധനം അഭിനന്ദനം. സ്ഥിരവും സ്ഥിരവുമായ വരുമാനം തേടുന്ന ശരാശരി അപകടസാധ്യതയില്ലാത്ത നിക്ഷേപകർക്ക് അനുയോജ്യമായ നിക്ഷേപമാണ് ബോണ്ട് ഫണ്ടുകൾ. ഈ ഫണ്ടുകൾ അസ്ഥിരമാണ്, അതിനാൽ അപകടസാധ്യത കുറവാണ്ഇക്വിറ്റി ഫണ്ടുകൾ. മാത്രമല്ല, ബോണ്ട് ഫണ്ടുകൾ ഒരു ബാങ്കിന് ഒരു മികച്ച ബദൽ ആയിരിക്കുംസ്ഥിര നിക്ഷേപം.

നിങ്ങളുടെ നേട്ടം കൈവരിക്കാൻ നിങ്ങളെ സഹായിക്കുന്ന കാറ്റഗറി റാങ്കിംഗ് അനുസരിച്ചുള്ള മികച്ച ബോണ്ട് ഫണ്ടുകൾ ഇനിപ്പറയുന്നവയാണ്സാമ്പത്തിക ലക്ഷ്യങ്ങൾ മികച്ച വരുമാനം നേടാൻ നിങ്ങളെ സഹായിക്കാനും കഴിയും.

ബോണ്ടും ബോണ്ടും മ്യൂച്വൽ ഫണ്ടും തമ്മിലുള്ള വ്യത്യാസം

ബോണ്ടുകൾ

കോർപ്പറേഷനുകളോ സർക്കാരുകളോ പോലുള്ള സ്ഥാപനങ്ങൾ നൽകുന്ന കടബാധ്യതകളാണ് അവ. അതിനാൽ, എപ്പോൾ ഒരുനിക്ഷേപകൻ ബോണ്ട് വാങ്ങുന്നു, അവൻ ഒരു നിശ്ചിത കാലയളവിലേക്ക് എന്റിറ്റിക്ക് പണം കടം കൊടുക്കുന്നു. പകരമായി, കാലാവധി അവസാനിക്കുന്നത് വരെ നിങ്ങൾക്ക് പലിശ ലഭിക്കും.

ബോണ്ട് ഫണ്ടുകൾ

അവ മ്യൂച്വൽ ഫണ്ടുകൾ അല്ലെങ്കിൽ എക്സ്ചേഞ്ച്-ട്രേഡ് ഫണ്ടുകളാണ് (ഇടിഎഫുകൾ) അത് ഒരു പോർട്ട്ഫോളിയോ ബോണ്ടുകളിൽ നിക്ഷേപിക്കുന്നു. കോർപ്പറേറ്റ് അല്ലെങ്കിൽ ഗവൺമെന്റ് പോലുള്ള ഒരു പ്രത്യേക തരം ബോണ്ടുകൾ ഉൾക്കൊള്ളുന്നതാണ് ബോണ്ട് ഫണ്ടുകൾ. ചുവടെ നൽകിയിരിക്കുന്നത് പോലെ അവ പക്വതയാൽ കൂടുതൽ നിർവചിക്കപ്പെടുന്നു.

എന്തുകൊണ്ട് ബോണ്ട് മ്യൂച്വൽ ഫണ്ടുകളിൽ നിക്ഷേപിക്കണം?

ഈ ഫണ്ടുകളുടെ ചില പ്രധാന നേട്ടങ്ങൾ ഇവയാണ്:

സ്ഥിര വരുമാനം നേടുന്നതിനുള്ള നല്ലൊരു ഓപ്ഷനാണ് ബോണ്ട് ഫണ്ടുകൾ. ഉദാഹരണത്തിന്, ഡിവിഡന്റ് പേഔട്ട് തിരഞ്ഞെടുക്കുന്നത് സ്ഥിര വരുമാനത്തിനുള്ള ഒരു ഓപ്ഷനാണ്.
ഹ്രസ്വ സാമ്പത്തിക ലക്ഷ്യങ്ങൾ ആസൂത്രണം ചെയ്യുന്നതിനുള്ള ഒരു നല്ല ഓപ്ഷനാണ്. കുറഞ്ഞ കാലയളവിനുള്ളിൽ, ഈ ഫണ്ടുകൾ സുരക്ഷിതമായ വരുമാനവും ഉയർന്ന ദ്രാവകവും ഉറപ്പാക്കുന്നു.
ബോണ്ട് ഫണ്ടുകളിൽ, നിങ്ങൾക്ക് എപ്പോൾ വേണമെങ്കിലും നിങ്ങളുടെ നിക്ഷേപത്തിൽ നിന്ന് ഭാഗികമായ പണം പിൻവലിക്കാം/റിഡീം ചെയ്യാം കൂടാതെ ബാക്കിയുള്ള പണം നിക്ഷേപം തുടരാൻ അനുവദിക്കുകയും ചെയ്യാം.
ബോണ്ട് ഫണ്ടുകൾ പ്രധാനമായും ഗവൺമെന്റ് സെക്യൂരിറ്റികളിൽ നിക്ഷേപിക്കുന്നു, അവ ഇക്വിറ്റിയുടെ അസ്ഥിരതയാൽ ബാധിക്കപ്പെടില്ലവിപണി. അതിനാൽ, അപകടസാധ്യതയില്ലാത്തവർക്ക് ഇത് ഏറ്റവും അനുയോജ്യമായ നിക്ഷേപ മാർഗമാണ്.

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<1 വർഷത്തേക്ക് നിക്ഷേപിക്കാനുള്ള ബോണ്ട് ഫണ്ടുകൾ

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹559.472 ↑ 0.09	₹21,521	1.5	3.5	7.7	7.5	7.9	6.76%	5M 8D	6M 11D
Indiabulls Liquid Fund Growth	₹2,568.17 ↑ 0.39	₹303	1.4	3	6.8	6.9	7.4	5.88%	1M 3D	1M 3D
PGIM India Insta Cash Fund Growth	₹345.729 ↑ 0.05	₹527	1.4	3	6.8	7	7.3	5.83%	20D	22D
JM Liquid Fund Growth	₹72.4376 ↑ 0.01	₹2,695	1.4	3	6.6	6.9	7.2	5.83%	1M 7D	1M 9D
UTI Ultra Short Term Fund Growth	₹4,314.38 ↑ 0.58	₹4,181	1.4	3.1	6.9	6.9	7.2	6.4%	4M 28D	5M 19D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Oct 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Savings Fund	Indiabulls Liquid Fund	PGIM India Insta Cash Fund	JM Liquid Fund	UTI Ultra Short Term Fund
Point 1	Highest AUM (₹21,521 Cr).	Bottom quartile AUM (₹303 Cr).	Bottom quartile AUM (₹527 Cr).	Lower mid AUM (₹2,695 Cr).	Upper mid AUM (₹4,181 Cr).
Point 2	Established history (22+ yrs).	Established history (13+ yrs).	Established history (18+ yrs).	Oldest track record among peers (27 yrs).	Established history (22+ yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 5★ (lower mid).	Rating: 5★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Moderately Low.
Point 5	1Y return: 7.74% (top quartile).	1Y return: 6.77% (lower mid).	1Y return: 6.76% (bottom quartile).	1Y return: 6.64% (bottom quartile).	1Y return: 6.89% (upper mid).
Point 6	1M return: 0.56% (top quartile).	1M return: 0.47% (bottom quartile).	1M return: 0.48% (lower mid).	1M return: 0.46% (bottom quartile).	1M return: 0.50% (upper mid).
Point 7	Sharpe: 3.66 (top quartile).	Sharpe: 3.54 (lower mid).	Sharpe: 3.57 (upper mid).	Sharpe: 2.95 (bottom quartile).	Sharpe: 1.96 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: -1.18 (bottom quartile).	Information ratio: -0.64 (lower mid).	Information ratio: -2.17 (bottom quartile).	Information ratio: 0.00 (upper mid).
Point 9	Yield to maturity (debt): 6.76% (top quartile).	Yield to maturity (debt): 5.88% (lower mid).	Yield to maturity (debt): 5.83% (bottom quartile).	Yield to maturity (debt): 5.83% (bottom quartile).	Yield to maturity (debt): 6.40% (upper mid).
Point 10	Modified duration: 0.44 yrs (bottom quartile).	Modified duration: 0.09 yrs (upper mid).	Modified duration: 0.06 yrs (top quartile).	Modified duration: 0.10 yrs (lower mid).	Modified duration: 0.41 yrs (bottom quartile).

Aditya Birla Sun Life Savings Fund

Highest AUM (₹21,521 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.74% (top quartile).
1M return: 0.56% (top quartile).
Sharpe: 3.66 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.76% (top quartile).
Modified duration: 0.44 yrs (bottom quartile).

Indiabulls Liquid Fund

Bottom quartile AUM (₹303 Cr).
Established history (13+ yrs).
Rating: 5★ (upper mid).
Risk profile: Low.
1Y return: 6.77% (lower mid).
1M return: 0.47% (bottom quartile).
Sharpe: 3.54 (lower mid).
Information ratio: -1.18 (bottom quartile).
Yield to maturity (debt): 5.88% (lower mid).
Modified duration: 0.09 yrs (upper mid).

PGIM India Insta Cash Fund

Bottom quartile AUM (₹527 Cr).
Established history (18+ yrs).
Rating: 5★ (lower mid).
Risk profile: Low.
1Y return: 6.76% (bottom quartile).
1M return: 0.48% (lower mid).
Sharpe: 3.57 (upper mid).
Information ratio: -0.64 (lower mid).
Yield to maturity (debt): 5.83% (bottom quartile).
Modified duration: 0.06 yrs (top quartile).

JM Liquid Fund

Lower mid AUM (₹2,695 Cr).
Oldest track record among peers (27 yrs).
Rating: 5★ (bottom quartile).
Risk profile: Low.
1Y return: 6.64% (bottom quartile).
1M return: 0.46% (bottom quartile).
Sharpe: 2.95 (bottom quartile).
Information ratio: -2.17 (bottom quartile).
Yield to maturity (debt): 5.83% (bottom quartile).
Modified duration: 0.10 yrs (lower mid).

UTI Ultra Short Term Fund

Upper mid AUM (₹4,181 Cr).
Established history (22+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.89% (upper mid).
1M return: 0.50% (upper mid).
Sharpe: 1.96 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.40% (upper mid).
Modified duration: 0.41 yrs (bottom quartile).

> 1 വർഷത്തേക്ക് നിക്ഷേപിക്കാനുള്ള ബോണ്ട് ഫണ്ടുകൾ

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
PGIM India Short Maturity Fund Growth	₹39.3202 ↓ 0.00	₹28	1.2	3.1	6.1	4.2		7.18%	1Y 7M 28D	1Y 11M 1D
Aditya Birla Sun Life Medium Term Plan Growth	₹40.8545 ↑ 0.03	₹2,876	1.7	4.1	11.2	9.7	10.5	7.51%	3Y 4M 17D	4Y 6M 22D
Nippon India Strategic Debt Fund Growth	₹16.0882 ↑ 0.01	₹110	1.3	5.1	10.1	8.5	8.3	7.31%	3Y 3M 22D	4Y 5M 16D
Axis Strategic Bond Fund Growth	₹28.6513 ↑ 0.01	₹1,902	1.5	3.6	8.7	8.2	8.7	7.82%	3Y 3M 29D	4Y 7M 2D
Nippon India Short Term Fund Growth	₹53.9837 ↑ 0.02	₹8,935	1.4	3.5	8.4	7.8	8	7.04%	2Y 6M 18D	3Y 2M 19D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 23

Research Highlights & Commentary of 5 Funds showcased

Commentary	PGIM India Short Maturity Fund	Aditya Birla Sun Life Medium Term Plan	Nippon India Strategic Debt Fund	Axis Strategic Bond Fund	Nippon India Short Term Fund
Point 1	Bottom quartile AUM (₹28 Cr).	Upper mid AUM (₹2,876 Cr).	Bottom quartile AUM (₹110 Cr).	Lower mid AUM (₹1,902 Cr).	Highest AUM (₹8,935 Cr).
Point 2	Oldest track record among peers (22 yrs).	Established history (16+ yrs).	Established history (11+ yrs).	Established history (13+ yrs).	Established history (22+ yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	1Y return: 6.08% (bottom quartile).	1Y return: 11.22% (top quartile).	1Y return: 10.11% (upper mid).	1Y return: 8.68% (lower mid).	1Y return: 8.41% (bottom quartile).
Point 6	1M return: 0.43% (bottom quartile).	1M return: 1.03% (top quartile).	1M return: 0.75% (bottom quartile).	1M return: 0.88% (lower mid).	1M return: 0.95% (upper mid).
Point 7	Sharpe: -0.98 (bottom quartile).	Sharpe: 2.36 (top quartile).	Sharpe: 1.21 (bottom quartile).	Sharpe: 1.24 (lower mid).	Sharpe: 1.26 (upper mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.18% (bottom quartile).	Yield to maturity (debt): 7.51% (upper mid).	Yield to maturity (debt): 7.31% (lower mid).	Yield to maturity (debt): 7.82% (top quartile).	Yield to maturity (debt): 7.04% (bottom quartile).
Point 10	Modified duration: 1.66 yrs (top quartile).	Modified duration: 3.38 yrs (bottom quartile).	Modified duration: 3.31 yrs (lower mid).	Modified duration: 3.33 yrs (bottom quartile).	Modified duration: 2.55 yrs (upper mid).

PGIM India Short Maturity Fund

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

Aditya Birla Sun Life Medium Term Plan

Upper mid AUM (₹2,876 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 11.22% (top quartile).
1M return: 1.03% (top quartile).
Sharpe: 2.36 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.51% (upper mid).
Modified duration: 3.38 yrs (bottom quartile).

Nippon India Strategic Debt Fund

Bottom quartile AUM (₹110 Cr).
Established history (11+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 10.11% (upper mid).
1M return: 0.75% (bottom quartile).
Sharpe: 1.21 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.31% (lower mid).
Modified duration: 3.31 yrs (lower mid).

Axis Strategic Bond Fund

Lower mid AUM (₹1,902 Cr).
Established history (13+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.68% (lower mid).
1M return: 0.88% (lower mid).
Sharpe: 1.24 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.82% (top quartile).
Modified duration: 3.33 yrs (bottom quartile).

Nippon India Short Term Fund

Highest AUM (₹8,935 Cr).
Established history (22+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.41% (bottom quartile).
1M return: 0.95% (upper mid).
Sharpe: 1.26 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.04% (bottom quartile).
Modified duration: 2.55 yrs (upper mid).

3 വർഷത്തേക്ക് നിക്ഷേപിക്കാനുള്ള ബോണ്ട് ഫണ്ടുകൾ

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
ICICI Prudential Gilt Fund Growth	₹104.445 ↓ -0.14	₹9,145	0.7	2.2	7.7	8	8.2	7.21%	6Y 2M 5D	17Y 1M 28D
UTI Bond Fund Growth	₹74.1891 ↓ -0.02	₹324	0.6	1.5	6.5	7.3	8.5	7.2%	5Y 5M 8D	9Y 3M 25D
SBI Magnum Income Fund Growth	₹71.5186 ↓ -0.04	₹1,970	0.7	1.7	6.5	7.5	8.1	7.32%	6Y 2M 5D	10Y 1M 24D
SBI Magnum Gilt Fund Growth	₹66.6012 ↓ -0.10	₹11,322	0.4	0.5	5.5	7.7	8.9	7.12%	9Y 4M 13D	19Y 10M 6D
UTI Gilt Fund Growth	₹63.1322 ↓ -0.02	₹565	-0.2	0.3	5.3	7.2	8.9	7.27%	9Y 10M 13D	26Y 4D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Oct 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Gilt Fund	UTI Bond Fund	SBI Magnum Income Fund	SBI Magnum Gilt Fund	UTI Gilt Fund
Point 1	Upper mid AUM (₹9,145 Cr).	Bottom quartile AUM (₹324 Cr).	Lower mid AUM (₹1,970 Cr).	Highest AUM (₹11,322 Cr).	Bottom quartile AUM (₹565 Cr).
Point 2	Established history (26+ yrs).	Oldest track record among peers (27 yrs).	Established history (26+ yrs).	Established history (24+ yrs).	Established history (23+ yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 7.73% (top quartile).	1Y return: 6.51% (upper mid).	1Y return: 6.48% (lower mid).	1Y return: 5.48% (bottom quartile).	1Y return: 5.33% (bottom quartile).
Point 6	1M return: 0.92% (top quartile).	1M return: 0.82% (upper mid).	1M return: 0.77% (bottom quartile).	1M return: 0.79% (lower mid).	1M return: 0.62% (bottom quartile).
Point 7	Sharpe: 0.13 (top quartile).	Sharpe: -0.10 (upper mid).	Sharpe: -0.12 (lower mid).	Sharpe: -0.41 (bottom quartile).	Sharpe: -0.44 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.21% (lower mid).	Yield to maturity (debt): 7.20% (bottom quartile).	Yield to maturity (debt): 7.32% (top quartile).	Yield to maturity (debt): 7.12% (bottom quartile).	Yield to maturity (debt): 7.27% (upper mid).
Point 10	Modified duration: 6.18 yrs (upper mid).	Modified duration: 5.44 yrs (top quartile).	Modified duration: 6.18 yrs (lower mid).	Modified duration: 9.37 yrs (bottom quartile).	Modified duration: 9.87 yrs (bottom quartile).

ICICI Prudential Gilt Fund

Upper mid AUM (₹9,145 Cr).
Established history (26+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 7.73% (top quartile).
1M return: 0.92% (top quartile).
Sharpe: 0.13 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.21% (lower mid).
Modified duration: 6.18 yrs (upper mid).

UTI Bond Fund

Bottom quartile AUM (₹324 Cr).
Oldest track record among peers (27 yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 6.51% (upper mid).
1M return: 0.82% (upper mid).
Sharpe: -0.10 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.20% (bottom quartile).
Modified duration: 5.44 yrs (top quartile).

SBI Magnum Income Fund

Lower mid AUM (₹1,970 Cr).
Established history (26+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 6.48% (lower mid).
1M return: 0.77% (bottom quartile).
Sharpe: -0.12 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.32% (top quartile).
Modified duration: 6.18 yrs (lower mid).

SBI Magnum Gilt Fund

Highest AUM (₹11,322 Cr).
Established history (24+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.48% (bottom quartile).
1M return: 0.79% (lower mid).
Sharpe: -0.41 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.12% (bottom quartile).
Modified duration: 9.37 yrs (bottom quartile).

UTI Gilt Fund

Bottom quartile AUM (₹565 Cr).
Established history (23+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.33% (bottom quartile).
1M return: 0.62% (bottom quartile).
Sharpe: -0.44 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.27% (upper mid).
Modified duration: 9.87 yrs (bottom quartile).

മികച്ച 10 വർഷത്തെ ഗവ. ബോണ്ട് ഫണ്ടുകൾ

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
SBI Magnum Constant Maturity Fund Growth	₹64.4578 ↓ -0.06	₹1,882	0.2	1.4	7.3	8.3	9.1	6.87%	6Y 8M 1D	9Y 5M 26D
Bandhan Government Securities Fund - Constant Maturity Plan Growth	₹46.5243 ↑ 0.08	₹346	0.7	1.9	8.2	8.7	9.7	6.88%	6Y 9M 7D	9Y 9M 4D
ICICI Prudential Constant Maturity Gilt Fund Growth	₹25.0544 ↑ 0.00	₹2,594	0.3	1.9	8.1	8.6	9.3	6.81%	6Y 8M 16D	9Y 6M 11D
DSP 10Y G-Sec Fund Growth	₹22.0195 ↓ -0.01	₹57	0	1.4	7.1	8.2	9	6.66%	6Y 9M 7D	9Y 4M 20D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Oct 25

Research Highlights & Commentary of 4 Funds showcased

Commentary	SBI Magnum Constant Maturity Fund	Bandhan Government Securities Fund - Constant Maturity Plan	ICICI Prudential Constant Maturity Gilt Fund	DSP 10Y G-Sec Fund
Point 1	Upper mid AUM (₹1,882 Cr).	Lower mid AUM (₹346 Cr).	Highest AUM (₹2,594 Cr).	Bottom quartile AUM (₹57 Cr).
Point 2	Oldest track record among peers (24 yrs).	Established history (23+ yrs).	Established history (11+ yrs).	Established history (11+ yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 7.31% (lower mid).	1Y return: 8.19% (top quartile).	1Y return: 8.13% (upper mid).	1Y return: 7.05% (bottom quartile).
Point 6	1M return: 0.35% (lower mid).	1M return: 0.75% (top quartile).	1M return: 0.55% (upper mid).	1M return: 0.21% (bottom quartile).
Point 7	Sharpe: 0.17 (bottom quartile).	Sharpe: 0.27 (upper mid).	Sharpe: 0.41 (top quartile).	Sharpe: 0.22 (lower mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.87% (upper mid).	Yield to maturity (debt): 6.88% (top quartile).	Yield to maturity (debt): 6.81% (lower mid).	Yield to maturity (debt): 6.66% (bottom quartile).
Point 10	Modified duration: 6.67 yrs (top quartile).	Modified duration: 6.77 yrs (lower mid).	Modified duration: 6.71 yrs (upper mid).	Modified duration: 6.77 yrs (bottom quartile).

SBI Magnum Constant Maturity Fund

Upper mid AUM (₹1,882 Cr).
Oldest track record among peers (24 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.31% (lower mid).
1M return: 0.35% (lower mid).
Sharpe: 0.17 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.87% (upper mid).
Modified duration: 6.67 yrs (top quartile).

Bandhan Government Securities Fund - Constant Maturity Plan

Lower mid AUM (₹346 Cr).
Established history (23+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 8.19% (top quartile).
1M return: 0.75% (top quartile).
Sharpe: 0.27 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.88% (top quartile).
Modified duration: 6.77 yrs (lower mid).

ICICI Prudential Constant Maturity Gilt Fund

Highest AUM (₹2,594 Cr).
Established history (11+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 8.13% (upper mid).
1M return: 0.55% (upper mid).
Sharpe: 0.41 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.81% (lower mid).
Modified duration: 6.71 yrs (upper mid).

DSP 10Y G-Sec Fund

Bottom quartile AUM (₹57 Cr).
Established history (11+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.05% (bottom quartile).
1M return: 0.21% (bottom quartile).
Sharpe: 0.22 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.66% (bottom quartile).
Modified duration: 6.77 yrs (bottom quartile).

*അറ്റ ആസ്തിയുള്ള ബോണ്ട് മ്യൂച്വൽ ഫണ്ടുകളുടെ ലിസ്റ്റ് ചുവടെയുണ്ട്50 കോടി കൂടാതെ 3 വർഷത്തിലേറെയായി ആസ്തികൾ കൈകാര്യം ചെയ്തിട്ടുണ്ട്. പക്വതയിലേക്കുള്ള ഏറ്റവും ഉയർന്ന വിളവ് അടിസ്ഥാനമാക്കി (ytm)

1. Kotak Medium Term Fund

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

Research Highlights for Kotak Medium Term Fund

Bottom quartile AUM (₹1,832 Cr).
Established history (11+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 8.61% (upper mid).
1M return: 1.03% (top quartile).
Sharpe: 1.09 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.85% (top quartile).
Modified duration: 3.40 yrs (upper mid).
Average maturity: 5.40 yrs (upper mid).
Exit load: 0-18 Months (2%),18 Months and above(NIL).
Higher exposure to Real Estate vs peer median.
Top bond sector: Corporate.
Debt-heavy allocation (~88%).
High-quality debt (AAA/AA ~89%).
Largest holding 7.18% Govt Stock 2033 (~7.8%).

Below is the key information for Kotak Medium Term Fund

Kotak Medium Term Fund Growth
Launch Date	25 Mar 14
NAV (17 Oct 25)	₹23.3554 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹1,832 on 31 Aug 25
Category	Debt - Medium term Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.63
Sharpe Ratio	1.09
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-18 Months (2%),18 Months and above(NIL)
Yield to Maturity	7.85%
Effective Maturity	5 Years 4 Months 24 Days
Modified Duration	3 Years 4 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,762
30 Sep 22	₹11,010
30 Sep 23	₹11,629
30 Sep 24	₹12,770
30 Sep 25	₹13,826

Kotak Medium Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Kotak Medium Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Oct 25

Duration	Returns
1 Month	1%
3 Month	2%
6 Month	4.3%
1 Year	8.6%
3 Year	8.1%
5 Year	6.5%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Kotak Medium Term Fund

Name	Since	Tenure
Deepak Agrawal	25 Mar 14	11.45 Yr.
Vihag Mishra	1 Jun 25	0.25 Yr.

Data below for Kotak Medium Term Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	3.09%
Equity	7.13%
Debt	88.07%
Other	1.71%

Debt Sector Allocation

Sector	Value
Corporate	64.44%
Government	19.27%
Securitized	3.99%
Cash Equivalent	3.47%

Credit Quality

Rating	Value
A	10.72%
AA	37.76%
AAA	51.53%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	8%	₹146 Cr	14,043,470
7.1% Govt Stock 2034 Sovereign Bonds \| -	6%	₹112 Cr	10,820,896
L&T Metro Rail (Hyderabad) Limited Debentures \| -	5%	₹99 Cr	10,000
Bamboo Hotel And Global Centre (Delhi) Private Limited Debentures \| -	5%	₹91 Cr	9,000
Embassy Office Parks REIT (Real Estate) -, Since 31 May 21 \| 542602	4%	₹82 Cr	1,998,346
TATA Steel Limited Debentures \| -	4%	₹76 Cr	750
Pipeline Infrastructure Limited Debentures \| -	3%	₹64 Cr	6,280
Aditya Birla Renewables Limited Debentures \| -	3%	₹61 Cr	6,000
Aditya Birla Real Estate Limited Debentures \| -	3%	₹56 Cr	5,500
Indigrid Infrastructure Trust Debentures \| -	3%	₹51 Cr	5,000

2. ICICI Prudential Medium Term Bond Fund

(Erstwhile ICICI Prudential Corporate Bond Fund)

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

Research Highlights for ICICI Prudential Medium Term Bond Fund

Upper mid AUM (₹5,739 Cr).
Established history (21+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 9.05% (top quartile).
1M return: 0.96% (upper mid).
Sharpe: 1.49 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.85% (upper mid).
Modified duration: 3.32 yrs (top quartile).
Average maturity: 5.73 yrs (bottom quartile).
Exit load: 0-1 Years (1%),1 Years and above(NIL).
Top sector: Real Estate.
Top bond sector: Corporate.
Debt-heavy allocation (~88%).
High-quality debt (AAA/AA ~99%).
Largest holding 7.1% Govt Stock 2034 (~9.6%).

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

ICICI Prudential Medium Term Bond Fund Growth
Launch Date	15 Sep 04
NAV (17 Oct 25)	₹46.0014 ↓ 0.00 (0.00 %)
Net Assets (Cr)	₹5,739 on 15 Sep 25
Category	Debt - Medium term Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆
Risk	Moderate
Expense Ratio	1.37
Sharpe Ratio	1.49
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)
Yield to Maturity	7.85%
Effective Maturity	5 Years 8 Months 23 Days
Modified Duration	3 Years 3 Months 25 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,762
30 Sep 22	₹11,110
30 Sep 23	₹11,881
30 Sep 24	₹12,846
30 Sep 25	₹13,970

ICICI Prudential Medium Term Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for ICICI Prudential Medium Term Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Oct 25

Duration	Returns
1 Month	1%
3 Month	1.9%
6 Month	4.1%
1 Year	9.1%
3 Year	8.1%
5 Year	6.8%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for ICICI Prudential Medium Term Bond Fund

Name	Since	Tenure
Manish Banthia	7 Nov 16	8.82 Yr.
Akhil Kakkar	22 Jan 24	1.61 Yr.

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

Asset Allocation

Asset Class	Value
Cash	5.35%
Equity	6.42%
Debt	87.91%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	62.32%
Government	22.98%
Cash Equivalent	5.35%
Securitized	2.61%

Credit Quality

Rating	Value
AA	58.91%
AAA	40.16%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	10%	₹553 Cr	53,458,200
Embassy Office Parks REIT (Real Estate) -, Since 30 Apr 25 \| 542602	3%	₹195 Cr	4,765,556
7.34% Govt Stock 2064 Sovereign Bonds \| -	3%	₹189 Cr	18,801,500
Vedanta Limited Debentures \| -	3%	₹171 Cr	17,000
Godrej Properties Limited Debentures \| -	3%	₹153 Cr	15,000
Oberoi Realty Limited Debentures \| -	3%	₹153 Cr	15,000
TATA Projects Limited Debentures \| -	3%	₹151 Cr	15,000
Siddhivinayak Securitisation Trust ** Unlisted bonds \| -	3%	₹150 Cr	150 ↑ 150
6.79% Govt Stock 2034 Sovereign Bonds \| -	3%	₹148 Cr	14,538,300
TVS Credit Services Limited Debentures \| -	2%	₹114 Cr	110

3. Axis Strategic Bond Fund

(Erstwhile Axis Income Fund)

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

Research Highlights for Axis Strategic Bond Fund

Lower mid AUM (₹1,902 Cr).
Established history (13+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 8.68% (upper mid).
1M return: 0.88% (upper mid).
Sharpe: 1.24 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.82% (upper mid).
Modified duration: 3.33 yrs (upper mid).
Average maturity: 4.59 yrs (top quartile).
Exit load: 0-12 Months (1%),12 Months and above(NIL).
Top sector: Real Estate.
Top bond sector: Corporate.
Debt-heavy allocation (~95%).
High-quality debt (AAA/AA ~90%).
Largest holding 7.1% Govt Stock 2034 (~11.5%).

Below is the key information for Axis Strategic Bond Fund

Axis Strategic Bond Fund Growth
Launch Date	28 Mar 12
NAV (17 Oct 25)	₹28.6513 ↑ 0.01 (0.04 %)
Net Assets (Cr)	₹1,902 on 15 Sep 25
Category	Debt - Medium term Bond
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.08
Sharpe Ratio	1.24
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity	7.82%
Effective Maturity	4 Years 7 Months 2 Days
Modified Duration	3 Years 3 Months 29 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,742
30 Sep 22	₹11,067
30 Sep 23	₹11,845
30 Sep 24	₹12,893
30 Sep 25	₹13,958

Axis Strategic Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Axis Strategic Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Oct 25

Duration	Returns
1 Month	0.9%
3 Month	1.5%
6 Month	3.6%
1 Year	8.7%
3 Year	8.2%
5 Year	6.8%
10 Year
15 Year
Since launch	8.1%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Axis Strategic Bond Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	12.83 Yr.
Sachin Jain	1 Feb 23	2.58 Yr.
Akhil Thakker	1 Feb 23	2.58 Yr.

Data below for Axis Strategic Bond Fund as on 15 Sep 25

Asset Allocation

Asset Class	Value
Cash	3.59%
Equity	0.88%
Debt	95.23%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	65.86%
Government	26.74%
Cash Equivalent	3.59%
Securitized	2.63%

Credit Quality

Rating	Value
A	9.54%
AA	49.37%
AAA	41.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	12%	₹219 Cr	21,200,000 ↓ -500,000
Jubilant Beverages Limited Debentures \| -	4%	₹68 Cr	6,500
Delhi International Airport Limited Debentures \| -	3%	₹66 Cr	6,500
GMR Hyderabad International Airport Ltd Debentures \| -	3%	₹66 Cr	6,500
Nirma Limited Debentures \| -	3%	₹61 Cr	6,000
Vedanta Limited Debentures \| -	3%	₹60 Cr	6,000
Nuvama Wealth Finance Limited Debentures \| -	3%	₹58 Cr	5,800
6.79% Govt Stock 2034 Sovereign Bonds \| -	3%	₹56 Cr	5,531,900
Dlf Cyber City Developers Ltd Debentures \| -	3%	₹56 Cr	5,500
Aditya Birla Digital Fashion Ventures Limited Debentures \| -	3%	₹55 Cr	5,500

4. HDFC Medium Term Debt Fund

(Erstwhile HDFC High Interest Fund - Short Term Plan)

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

Research Highlights for HDFC Medium Term Debt Fund

Upper mid AUM (₹3,842 Cr).
Oldest track record among peers (23 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.76% (bottom quartile).
1M return: 0.82% (bottom quartile).
Sharpe: 0.57 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.62% (lower mid).
Modified duration: 3.44 yrs (lower mid).
Average maturity: 5.64 yrs (lower mid).
Exit load: 0-1 Months (0.25%),1 Months and above(NIL).
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~95%).
High-quality debt (AAA/AA ~97%).
Largest holding 7.18% Govt Stock 2037 (~7.4%).

Below is the key information for HDFC Medium Term Debt Fund

HDFC Medium Term Debt Fund Growth
Launch Date	6 Feb 02
NAV (17 Oct 25)	₹57.443 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹3,842 on 15 Sep 25
Category	Debt - Medium term Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.29
Sharpe Ratio	0.57
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Months (0.25%),1 Months and above(NIL)
Yield to Maturity	7.62%
Effective Maturity	5 Years 7 Months 20 Days
Modified Duration	3 Years 5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,774
30 Sep 22	₹10,972
30 Sep 23	₹11,733
30 Sep 24	₹12,706
30 Sep 25	₹13,639

HDFC Medium Term Debt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for HDFC Medium Term Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Oct 25

Duration	Returns
1 Month	0.8%
3 Month	1.3%
6 Month	3.1%
1 Year	7.8%
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	8.1%
2023	6.7%
2022	2.9%
2021	5%
2020	10%
2019	9.1%
2018	5.6%
2017	5.5%
2016	11.5%
2015	7.4%

Fund Manager information for HDFC Medium Term Debt Fund

Name	Since	Tenure
Shobhit Mehrotra	1 Sep 07	18.01 Yr.
Dhruv Muchhal	22 Jun 23	2.2 Yr.
Bhavyesh Divecha	1 Mar 25	0.5 Yr.

Data below for HDFC Medium Term Debt Fund as on 15 Sep 25

Asset Allocation

Asset Class	Value
Cash	2.36%
Equity	2.13%
Debt	95.2%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	60.36%
Government	30.93%
Securitized	3.91%
Cash Equivalent	2.36%

Credit Quality

Rating	Value
A	3.4%
AA	44.79%
AAA	51.81%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2037 Sovereign Bonds \| -	7%	₹285 Cr	27,547,700 ↓ -2,500,000
7.23% Govt Stock 2039 Sovereign Bonds \| -	5%	₹192 Cr	18,500,000
TATA Steel Limited Debentures \| -	4%	₹147 Cr	14,500
GMR Airports Limited Debentures \| -	3%	₹127 Cr	12,670
6.79% Govt Stock 2034 Sovereign Bonds \| -	3%	₹122 Cr	12,012,900
Jubilant Beverages Limited Debentures \| -	3%	₹112 Cr	10,720
Kalpataru Projects International Limited Debentures \| -	3%	₹101 Cr	10,000
SK Finance Limited Debentures \| -	3%	₹100 Cr	10,000
Sbfc Finance Limited Debentures \| -	3%	₹100 Cr	10,000
Mas Financial Services Limited Debentures \| -	2%	₹95 Cr	9,500

5. SBI Magnum Medium Duration Fund

(Erstwhile SBI Regular Savings Fund)

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

Research Highlights for SBI Magnum Medium Duration Fund

Highest AUM (₹6,516 Cr).
Established history (21+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 7.81% (lower mid).
1M return: 0.74% (bottom quartile).
Sharpe: 0.64 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.57% (bottom quartile).
Modified duration: 3.69 yrs (bottom quartile).
Average maturity: 5.37 yrs (upper mid).
Exit load: 0-12 Months (1.5%),12 Months and above(NIL).
Top sector: Real Estate.
Top bond sector: Corporate.
Debt-heavy allocation (~90%).
High-quality debt (AAA/AA ~93%).
Largest holding 7.18% Govt Stock 2033 (~12.2%).

Below is the key information for SBI Magnum Medium Duration Fund

SBI Magnum Medium Duration Fund Growth
Launch Date	12 Nov 03
NAV (17 Oct 25)	₹52.1182 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹6,516 on 31 Aug 25
Category	Debt - Medium term Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.22
Sharpe Ratio	0.64
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1.5%),12 Months and above(NIL)
Yield to Maturity	7.57%
Effective Maturity	5 Years 4 Months 13 Days
Modified Duration	3 Years 8 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,656
30 Sep 22	₹10,889
30 Sep 23	₹11,706
30 Sep 24	₹12,663
30 Sep 25	₹13,596

SBI Magnum Medium Duration Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for SBI Magnum Medium Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Oct 25

Duration	Returns
1 Month	0.7%
3 Month	1.2%
6 Month	2.9%
1 Year	7.8%
3 Year	7.8%
5 Year	6.2%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for SBI Magnum Medium Duration Fund

Name	Since	Tenure
Lokesh Mallya	1 Dec 23	1.75 Yr.
Mohit Jain	30 Nov 17	7.76 Yr.

Data below for SBI Magnum Medium Duration Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	9.24%
Equity	0.5%
Debt	89.96%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	51.66%
Government	34.46%
Cash Equivalent	9.24%
Securitized	3.84%

Credit Quality

Rating	Value
A	6.93%
AA	47.22%
AAA	45.85%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	12%	₹793 Cr	76,500,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	9%	₹599 Cr	59,000,000 ↓ -22,500,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	8%	₹553 Cr	53,500,000
Godrej Properties Limited Debentures \| -	5%	₹304 Cr	30,000
Avanse Financial Services Limited Debentures \| -	4%	₹251 Cr	25,000
Renew Solar Energy (Jharkhand Five) Private Limited Debentures \| -	4%	₹231 Cr	24,000
Yes Bank Limited Debentures \| -	3%	₹224 Cr	2,250
Aditya Birla Real Estate Limited Debentures \| -	3%	₹223 Cr	22,000
Renserv Global Private Limited Debentures \| -	3%	₹205 Cr	20,500
Motilal Oswal Finvest Ltd. Debentures \| -	3%	₹200 Cr	20,000 ↑ 20,000

6. Franklin India Government Securities Fund

(Erstwhile Franklin India Government Securities Fund - Long Term Plan)

Aims to invest exclusively in government securities of Zero credit or default risk

Research Highlights for Franklin India Government Securities Fund

Bottom quartile AUM (₹149 Cr).
Established history (23+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.94% (bottom quartile).
1M return: 0.84% (lower mid).
Sharpe: -0.55 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.54% (bottom quartile).
Modified duration: 8.65 yrs (bottom quartile).
Average maturity: 27.43 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~66%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.9% Govt Stock 2065 (~31.2%).
Top-3 holdings concentration ~70.9%.

Below is the key information for Franklin India Government Securities Fund

Franklin India Government Securities Fund Growth
Launch Date	7 Dec 01
NAV (17 Oct 25)	₹59.1384 ↓ -0.07 (-0.12 %)
Net Assets (Cr)	₹149 on 31 Aug 25
Category	Debt - Government Bond
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.14
Sharpe Ratio	-0.55
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.54%
Effective Maturity	27 Years 5 Months 5 Days
Modified Duration	8 Years 7 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,358
30 Sep 22	₹10,480
30 Sep 23	₹11,063
30 Sep 24	₹11,914
30 Sep 25	₹12,535

Franklin India Government Securities Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235 Invest Now

Returns for Franklin India Government Securities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Oct 25

Duration	Returns
1 Month	0.8%
3 Month	0.3%
6 Month	0.9%
1 Year	5.9%
3 Year	6.4%
5 Year	4.7%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.3%
2023	5.5%
2022	2.5%
2021	2.1%
2020	8.5%
2019	8%
2018	4.3%
2017	0.1%
2016	15.7%
2015	5.4%

Fund Manager information for Franklin India Government Securities Fund

Name	Since	Tenure
Rahul Goswami	6 Oct 23	1.9 Yr.
Anuj Tagra	7 Mar 24	1.48 Yr.

Data below for Franklin India Government Securities Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	7.77%
Debt	65.84%
Other	26.4%

Debt Sector Allocation

Sector	Value
Government	65.84%
Cash Equivalent	7.77%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.9% Govt Stock 2065 Sovereign Bonds \| -	31%	₹49 Cr	4,954,400 ↓ -2,000,000
7.77% Wb Sdl (28-Aug-2046) Sovereign Bonds \| -	26%	₹41 Cr	4,000,000
7.82% Jammu & Kashmir Sdl (28-Aug-2042) Sovereign Bonds \| -	13%	₹21 Cr	2,000,000
6.33% Govt Stock 2035 Sovereign Bonds \| -	10%	₹15 Cr	1,500,000 ↑ 1,500,000
Andhra Pradesh (Government of) 6.84% - \| -	9%	₹15 Cr	1,500,000
7.24% Govt Stock 2055 Sovereign Bonds \| -	1%	₹2 Cr	205,100 ↑ 182,100
07.32% Chattisgarh Sdl Sovereign Bonds \| -	0%	₹1 Cr	52,560
7.32% State Government Securities Sovereign Bonds \| -	0%	₹0 Cr	50,000
Rajasthan (Government of ) 7.1% - \| -	0%	₹0 Cr	41,700
Call, Cash & Other Assets CBLO \| -	8%	₹12 Cr

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