ഡെറ്റ് മ്യൂച്വൽ ഫണ്ടുകളിലെ മികച്ച നേരിട്ടുള്ള പദ്ധതികൾ

Updated on December 20, 2025 , 1202 views

മ്യൂച്വൽ ഫണ്ട് സ്ഥിരവും നേരിട്ടുള്ളതുമായ രണ്ട് പദ്ധതികൾ വാഗ്ദാനം ചെയ്യുന്നു. നിരവധി വർഷങ്ങളായി പതിവ് പ്ലാനുകൾ ഓപ്ഷനിൽ ആയിരിക്കുമ്പോൾ, ആദ്യത്തെ നേരിട്ടുള്ള പ്ലാൻ 2013 ലാണ് അവതരിപ്പിച്ചത്. എന്നാൽ, നേരിട്ടുള്ള പ്ലാനുകൾ അതിന്റെ സവിശേഷ സവിശേഷതകളും ആനുകൂല്യങ്ങളും കാരണം പുതിയ നിക്ഷേപകർക്കിടയിൽ വലിയ പ്രചാരം നേടുന്നു. നിലവിൽ നേരിട്ടുള്ള പ്ലാനുകൾ പരിമിതമായ പ്ലാറ്റ്ഫോമിലൂടെ മാത്രമേ ലഭ്യമാകൂവെങ്കിലും അതിന്റെ ആവശ്യം നോക്കുമ്പോൾ പല ചാനലുകളും നേരിട്ടുള്ള പ്ലാനുകൾ അവതരിപ്പിക്കുന്നു. നിക്ഷേപം നടത്താൻ ആഗ്രഹിക്കുന്ന നിക്ഷേപകർഡെറ്റ് ഫണ്ട് നേരിട്ടുള്ള പദ്ധതികൾ‌ തിരഞ്ഞെടുക്കുന്നതിലൂടെ, നേരിട്ടുള്ള ഫണ്ടുകൾ‌, ഡെറ്റ് ഫണ്ടുകളെക്കുറിച്ചുള്ള ഒരു ഹ്രസ്വ ധാരണ, കൂടാതെ മികച്ച നേരിട്ടുള്ള പാൻ‌സ് ഡെറ്റ് ഫണ്ടുകൾ‌ എന്നിവയെക്കുറിച്ചുള്ള ഒരു ചുരുക്കവിവരണം ഇവിടെയുണ്ട്.

എന്തുകൊണ്ടാണ് നിങ്ങൾക്ക് നേരിട്ടുള്ള ഫണ്ടുകൾ?

സാധാരണ ഫണ്ടുകളിൽ നിന്ന് വ്യത്യസ്തമായി, മ്യൂച്വൽ ഫണ്ട് കമ്പനി, കാർവി / പോലുള്ള ആർ‌ടി‌എ പോലുള്ള പരിമിതമായ ചാനലുകൾ വഴി നേരിട്ടുള്ള ഫണ്ടുകൾ ലഭ്യമാണ്.CAMS, പരിമിത മൂന്നാം കക്ഷി സെക്യൂരിറ്റീസ് ഇടനിലക്കാർ, ഫണ്ട് ഹ of സിന്റെ അംഗീകൃത പ്രാദേശിക പ്രതിനിധികൾ. ഒരു ഉപദേശകന്റെയോ മധ്യസ്ഥന്റെയോ സഹായമില്ലാതെ സ്വതന്ത്രമായി നിക്ഷേപിക്കാനും നിക്ഷേപം നടത്താനും കഴിയുന്ന നിക്ഷേപകർക്ക് ഫണ്ട് ഹ from സിൽ നിന്ന് നേരിട്ടുള്ള പദ്ധതികളിൽ നിക്ഷേപിക്കാം.

നേരിട്ടുള്ള ഫണ്ടുകളിൽ, സാധാരണ ഫണ്ടുകൾ പോലെ ചെലവ് നിരക്കുകളൊന്നുമില്ല. ഇല്ലാത്തതിനാൽവിതരണക്കാരൻ നിരക്കുകൾ / ഇടപാട് ചാർജറുകൾ മുതലായവ, നേരിട്ടുള്ള പദ്ധതികളുടെ ചെലവ് അനുപാതം കുറവാണ്. വരുമാനത്തിലും ഈ പ്രഭാവം. നേരിട്ടുള്ള മ്യൂച്വൽ ഫണ്ടിന്റെ ചെലവ് അനുപാതം കുറവായതിനാൽ, വരുമാനം സാധാരണ പദ്ധതികളേക്കാൾ അല്പം കൂടുതലായിരിക്കാം- ഏകദേശം 0.5 ശതമാനം മുതൽ 1.5 ശതമാനം വരെ ഉയർന്നത്. നിക്ഷേപകർ നേരിട്ടുള്ള ഫണ്ടുകൾ തിരഞ്ഞെടുക്കുന്നതിനുള്ള ഒരു കാരണം ഇതാണ്.

തികച്ചും, ഒരുനിക്ഷേപകൻ മ്യൂച്വൽ ഫണ്ട് നിക്ഷേപത്തിന്റെ പരിചയവും മാർക്കറ്റ് പ്രസ്ഥാനങ്ങളെക്കുറിച്ച് ന്യായമായ അറിവും ഉള്ളവർ നേരിട്ടുള്ള പദ്ധതികൾക്ക് മുൻഗണന നൽകണം. ഉറപ്പില്ലാത്ത പുതിയ നിക്ഷേപകർഅപകടസാധ്യത വിശപ്പ് കമ്പോളത്തിന് മുൻ‌ഗണന നൽകണംമ്യൂച്വൽ ഫണ്ടുകൾ പതിവ് പദ്ധതികളോടെ.

ഡെറ്റ് ഫണ്ട് നിക്ഷേപം മനസിലാക്കുന്നു

സ്ഥിര വരുമാന സെക്യൂരിറ്റികളിൽ പ്രധാനമായും നിക്ഷേപിക്കുന്ന ഒരു തരം മ്യൂച്വൽ ഫണ്ടുകളാണ് ഡെറ്റ് ഫണ്ടുകൾബോണ്ടുകൾ, ഗവൺമെന്റ് സെക്യൂരിറ്റികൾ, ട്രഷറി ബില്ലുകൾ മുതലായവ. ഡെറ്റ് ഫണ്ടുകളുടെ വർഗ്ഗീകരണം നോക്കുകയാണെങ്കിൽ, അവ മെച്യുരിറ്റികൾ അനുസരിച്ച് തരം തിരിക്കും- ഹ്രസ്വ, മധ്യ, ദീർഘകാല കാലയളവ്. ഡെറ്റ് ഫണ്ടുകളിൽ നിക്ഷേപിക്കാൻ ആഗ്രഹിക്കുന്ന നിക്ഷേപകർക്ക് ഇത് നിരവധി ഓപ്ഷനുകൾ നൽകുന്നു.

നിക്ഷേപങ്ങളിൽ കൂടുതൽ റിസ്ക് എടുക്കാൻ ആഗ്രഹിക്കാത്തവർ അല്ലെങ്കിൽ ഒഴിവാക്കാൻ ആഗ്രഹിക്കുന്നവർക്ക് ഡെറ്റ് ഫണ്ടുകൾ ഒരു നല്ല ഓപ്ഷനാണ്നിക്ഷേപം വളരെ അസ്ഥിരമായിഇക്വിറ്റി ഫണ്ടുകൾ. ഈ ഫണ്ടുകൾ സ്ഥിരവും സ്ഥിരവുമായ വരുമാനം നൽകുന്നു, എന്നിരുന്നാലും, ഇക്വിറ്റി ഫണ്ടുകളുമായി താരതമ്യപ്പെടുത്തുമ്പോൾ വരുമാനം കുറവാണ്.

കാലാവധി പൂർത്തിയാകുമ്പോൾ ഡെറ്റ് ഫണ്ടുകളുടെ തരങ്ങൾ

ഹ്രസ്വകാല കട ഫണ്ടുകൾ- ഒറ്റരാത്രികൊണ്ട് ഫണ്ടുകൾ,ലിക്വിഡ് ഫണ്ടുകൾ, അൾട്രാഹ്രസ്വകാല ഫണ്ടുകൾ, കുറഞ്ഞ കാലയളവ് ഫണ്ടുകൾ
ഇടത്തരം ഡെറ്റ് ഫണ്ടുകൾ- ഹ്രസ്വകാല ഫണ്ടുകൾ, ഇടത്തരം ദൈർഘ്യമുള്ള ഫണ്ടുകൾ, ഇടത്തരം മുതൽ ദീർഘകാല ഫണ്ടുകൾ
ദീർഘകാല ഡെറ്റ് ഫണ്ടുകൾ- ദീർഘകാല ഫണ്ടുകൾ
ബോണ്ട് ഓറിയന്റഡ് ഫണ്ടുകൾ-ഡൈനാമിക് ബോണ്ട് ഫണ്ടുകൾ, കോർപ്പറേറ്റ് ബോണ്ട് ഫണ്ടുകൾ

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മികച്ച ഡെറ്റ് മ്യൂച്വൽ ഫണ്ടുകൾ നേരിട്ടുള്ള പദ്ധതികൾ

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Franklin India Income Builder Account - Plan A - Direct Growth	₹111.313 ↓ -0.02	₹1,309	1.6	3	9.5	8.3	6.6	8.2
Axis Corporate Debt Opportunities Fund - Direct Growth	₹18.611 ↓ -0.01	₹10,089	1.4	2.6	8.5	8.2	6.7	8.7
HDFC Floating Rate Income Fund - Short Term Plan - Direct Growth	₹52.597 ↑ 0.02	₹15,773	1.6	3.1	8.1	8.2	6.7	8.5
Reliance Dynamic Bond Fund - Direct Growth	₹41.0225 ↓ -0.01	₹4,429	1.9	2	7.8	8.2	6.1	9.4
UTI Short Term Income Fund - Direct Growth	₹34.6808 ↓ -0.01	₹3,374	1.3	2.6	7.8	7.9	7.4	8.4
UTI Treasury Advantage Fund - Direct Growth	₹3,717.32 ↑ 1.32	₹3,184	1.6	3.1	7.7	7.5	7.2	7.8
Franklin India Savings Plus Fund Retail Option - Direct Growth	₹53.4769 ↑ 0.03	₹4,422	1.5	3.1	7.7	7.6	6.2	7.8
UTI Money Market Fund - Direct Growth	₹3,219.98 ↑ 1.63	₹22,198	1.5	3.1	7.6	7.6	6.3	7.8
Edelweiss Bond Fund - Direct Growth	₹32.3319 ↑ 0.02	₹1,889	1.5	3.1	7.6	7.5	6	7.7
Franklin India Treasury Management Account - Regular Plan - Direct Growth	₹4,074.46 ↑ 0.78	₹3,133	1.5	2.9	6.7	7.1	5.9	7.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Dec 25

Research Highlights & Commentary of 10 Funds showcased

Commentary	Franklin India Income Builder Account - Plan A - Direct	Axis Corporate Debt Opportunities Fund - Direct	HDFC Floating Rate Income Fund - Short Term Plan - Direct	Reliance Dynamic Bond Fund - Direct	UTI Short Term Income Fund - Direct	UTI Treasury Advantage Fund - Direct	Franklin India Savings Plus Fund Retail Option - Direct	UTI Money Market Fund - Direct	Edelweiss Bond Fund - Direct	Franklin India Treasury Management Account - Regular Plan - Direct
Point 1	Bottom quartile AUM (₹1,309 Cr).	Upper mid AUM (₹10,089 Cr).	Top quartile AUM (₹15,773 Cr).	Upper mid AUM (₹4,429 Cr).	Lower mid AUM (₹3,374 Cr).	Lower mid AUM (₹3,184 Cr).	Upper mid AUM (₹4,422 Cr).	Highest AUM (₹22,198 Cr).	Bottom quartile AUM (₹1,889 Cr).	Bottom quartile AUM (₹3,133 Cr).
Point 2	Oldest track record among peers (12 yrs).	Established history (8+ yrs).	Established history (12+ yrs).	Established history (12+ yrs).	Established history (12+ yrs).	Established history (12+ yrs).	Established history (12+ yrs).	Established history (12+ yrs).	Established history (12+ yrs).	Established history (12+ yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Moderate.	Risk profile: Low.
Point 5	1Y return: 9.52% (top quartile).	1Y return: 8.49% (top quartile).	1Y return: 8.12% (upper mid).	1Y return: 7.83% (upper mid).	1Y return: 7.78% (upper mid).	1Y return: 7.71% (lower mid).	1Y return: 7.66% (lower mid).	1Y return: 7.62% (bottom quartile).	1Y return: 7.59% (bottom quartile).	1Y return: 6.68% (bottom quartile).
Point 6	1M return: 0.25% (bottom quartile).	1M return: 0.01% (bottom quartile).	1M return: 0.32% (lower mid).	1M return: 0.33% (lower mid).	1M return: 0.08% (bottom quartile).	1M return: 0.36% (upper mid).	1M return: 0.48% (top quartile).	1M return: 0.46% (upper mid).	1M return: 0.49% (top quartile).	1M return: 0.47% (upper mid).
Point 7	Sharpe: 1.58 (bottom quartile).	Sharpe: 1.75 (lower mid).	Sharpe: 2.38 (lower mid).	Sharpe: 0.85 (bottom quartile).	Sharpe: 1.61 (bottom quartile).	Sharpe: 2.98 (upper mid).	Sharpe: 3.12 (upper mid).	Sharpe: 3.25 (top quartile).	Sharpe: 3.02 (upper mid).	Sharpe: 3.86 (top 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): 7.01% (top quartile).	Yield to maturity (debt): 6.77% (upper mid).	Yield to maturity (debt): 6.98% (top quartile).	Yield to maturity (debt): 6.76% (upper mid).	Yield to maturity (debt): 6.84% (upper mid).	Yield to maturity (debt): 6.68% (lower mid).	Yield to maturity (debt): 6.17% (bottom quartile).	Yield to maturity (debt): 6.19% (lower mid).	Yield to maturity (debt): 6.10% (bottom quartile).	Yield to maturity (debt): 6.05% (bottom quartile).
Point 10	Modified duration: 2.58 yrs (lower mid).	Modified duration: 3.13 yrs (bottom quartile).	Modified duration: 1.77 yrs (lower mid).	Modified duration: 3.81 yrs (bottom quartile).	Modified duration: 2.80 yrs (bottom quartile).	Modified duration: 0.83 yrs (upper mid).	Modified duration: 0.29 yrs (top quartile).	Modified duration: 0.37 yrs (upper mid).	Modified duration: 0.33 yrs (upper mid).	Modified duration: 0.14 yrs (top quartile).

Franklin India Income Builder Account - Plan A - Direct

Bottom quartile AUM (₹1,309 Cr).
Oldest track record among peers (12 yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 9.52% (top quartile).
1M return: 0.25% (bottom quartile).
Sharpe: 1.58 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.01% (top quartile).
Modified duration: 2.58 yrs (lower mid).

Axis Corporate Debt Opportunities Fund - Direct

Upper mid AUM (₹10,089 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 8.49% (top quartile).
1M return: 0.01% (bottom quartile).
Sharpe: 1.75 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.77% (upper mid).
Modified duration: 3.13 yrs (bottom quartile).

HDFC Floating Rate Income Fund - Short Term Plan - Direct

Top quartile AUM (₹15,773 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 8.12% (upper mid).
1M return: 0.32% (lower mid).
Sharpe: 2.38 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.98% (top quartile).
Modified duration: 1.77 yrs (lower mid).

Reliance Dynamic Bond Fund - Direct

Upper mid AUM (₹4,429 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 7.83% (upper mid).
1M return: 0.33% (lower mid).
Sharpe: 0.85 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.76% (upper mid).
Modified duration: 3.81 yrs (bottom quartile).

UTI Short Term Income Fund - Direct

Lower mid AUM (₹3,374 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 7.78% (upper mid).
1M return: 0.08% (bottom quartile).
Sharpe: 1.61 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.84% (upper mid).
Modified duration: 2.80 yrs (bottom quartile).

UTI Treasury Advantage Fund - Direct

Lower mid AUM (₹3,184 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 7.71% (lower mid).
1M return: 0.36% (upper mid).
Sharpe: 2.98 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.68% (lower mid).
Modified duration: 0.83 yrs (upper mid).

Franklin India Savings Plus Fund Retail Option - Direct

Upper mid AUM (₹4,422 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 7.66% (lower mid).
1M return: 0.48% (top quartile).
Sharpe: 3.12 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.17% (bottom quartile).
Modified duration: 0.29 yrs (top quartile).

UTI Money Market Fund - Direct

Highest AUM (₹22,198 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 7.62% (bottom quartile).
1M return: 0.46% (upper mid).
Sharpe: 3.25 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.19% (lower mid).
Modified duration: 0.37 yrs (upper mid).

Edelweiss Bond Fund - Direct

Bottom quartile AUM (₹1,889 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 7.59% (bottom quartile).
1M return: 0.49% (top quartile).
Sharpe: 3.02 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.10% (bottom quartile).
Modified duration: 0.33 yrs (upper mid).

Franklin India Treasury Management Account - Regular Plan - Direct

Bottom quartile AUM (₹3,133 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.68% (bottom quartile).
1M return: 0.47% (upper mid).
Sharpe: 3.86 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.05% (bottom quartile).
Modified duration: 0.14 yrs (top quartile).

1. Franklin India Income Builder Account - Plan A - Direct

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 Income Builder Account - Plan A - Direct

Bottom quartile AUM (₹1,309 Cr).
Oldest track record among peers (12 yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 9.52% (top quartile).
1M return: 0.25% (bottom quartile).
Sharpe: 1.58 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.01% (top quartile).
Modified duration: 2.58 yrs (lower mid).
Average maturity: 6.41 yrs (bottom quartile).
Exit load: 0-1 Years (0.5%),1 Years and above(NIL).

Below is the key information for Franklin India Income Builder Account - Plan A - Direct

Franklin India Income Builder Account - Plan A - Direct Growth
Launch Date	1 Jan 13
NAV (22 Dec 25)	₹111.313 ↓ -0.02 (-0.01 %)
Net Assets (Cr)	₹1,309 on 30 Nov 25
Category	Debt - Corporate Bond
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	Not Rated
Risk	Moderate
Expense Ratio	0.24
Sharpe Ratio	1.58
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	7.01%
Effective Maturity	6 Years 4 Months 28 Days
Modified Duration	2 Years 6 Months 29 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,453
30 Nov 22	₹10,813
30 Nov 23	₹11,566
30 Nov 24	₹12,522
30 Nov 25	₹13,754

Franklin India Income Builder Account - Plan A - Direct 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 Income Builder Account - Plan A - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Dec 25

Duration	Returns
1 Month	0.3%
3 Month	1.6%
6 Month	3%
1 Year	9.5%
3 Year	8.3%
5 Year	6.6%
10 Year
15 Year
Since launch	8.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.2%
2023	7.1%
2022	3.7%
2021	4.3%
2020	9.7%
2019	9.8%
2018	8.1%
2017	8.3%
2016	9.7%
2015	9.3%

Fund Manager information for Franklin India Income Builder Account - Plan A - Direct

Name	Since	Tenure
Rahul Goswami	6 Oct 23	2.16 Yr.
Anuj Tagra	7 Mar 24	1.74 Yr.
Chandni Gupta	7 Mar 24	1.74 Yr.

Data below for Franklin India Income Builder Account - Plan A - Direct as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	8.8%
Debt	90.97%
Other	0.23%

Debt Sector Allocation

Sector	Value
Corporate	65.1%
Government	25.87%
Cash Equivalent	8.8%

Credit Quality

Rating	Value
AA	9.03%
AAA	90.97%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.9% Govt Stock 2065 Sovereign Bonds \| -	7%	₹91 Cr	9,529,500 ↑ 500,000
Poonawalla Fincorp Limited Debentures \| -	6%	₹81 Cr	8,000
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹77 Cr	7,500
Jubilant Bevco Limited Debentures \| -	5%	₹70 Cr	6,576
RJ Corp Ltd. 7.25% Debentures \| -	4%	₹55 Cr	5,467 ↑ 5,467
Sikka Ports & Terminals Limited Debentures \| -	4%	₹52 Cr	500
Summit Digitel Infrastructure Limited Debentures \| -	4%	₹52 Cr	5,000
Embassy Office Parks Reit Debentures \| -	4%	₹51 Cr	5,000
Small Industries Development Bank Of India Debentures \| -	4%	₹50 Cr	500
Rec Limited Debentures \| -	4%	₹50 Cr	9,000

2. Axis Corporate Debt Opportunities Fund - Direct

The Scheme seeks to provide steady income and capital appreciation by investing in corporate debt. There is no assurance or guarantee that the objectives of the Scheme will be realized.

Research Highlights for Axis Corporate Debt Opportunities Fund - Direct

Upper mid AUM (₹10,089 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 8.49% (top quartile).
1M return: 0.01% (bottom quartile).
Sharpe: 1.75 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.77% (upper mid).
Modified duration: 3.13 yrs (bottom quartile).
Average maturity: 4.06 yrs (lower mid).
Exit load: NIL.

Below is the key information for Axis Corporate Debt Opportunities Fund - Direct

Axis Corporate Debt Opportunities Fund - Direct Growth
Launch Date	13 Jul 17
NAV (22 Dec 25)	₹18.611 ↓ -0.01 (-0.05 %)
Net Assets (Cr)	₹10,089 on 30 Nov 25
Category	Debt - Corporate Bond
AMC	Axis Asset Management Company Limited
Rating	Not Rated
Risk	Moderate
Expense Ratio	0.31
Sharpe Ratio	1.75
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.77%
Effective Maturity	4 Years 22 Days
Modified Duration	3 Years 1 Month 17 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,451
30 Nov 22	₹10,891
30 Nov 23	₹11,670
30 Nov 24	₹12,710
30 Nov 25	₹13,868

Axis Corporate Debt Opportunities Fund - Direct 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 Corporate Debt Opportunities Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Dec 25

Duration	Returns
1 Month	0%
3 Month	1.4%
6 Month	2.6%
1 Year	8.5%
3 Year	8.2%
5 Year	6.7%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.7%
2023	7.5%
2022	4.4%
2021	4.4%
2020	12.4%
2019	6.9%
2018	8.8%
2017
2016
2015

Fund Manager information for Axis Corporate Debt Opportunities Fund - Direct

Name	Since	Tenure
Devang Shah	13 Jul 17	8.39 Yr.
Hardik Shah	31 Jan 22	3.84 Yr.

Data below for Axis Corporate Debt Opportunities Fund - Direct as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	6.98%
Debt	92.77%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	64.14%
Government	29.11%
Cash Equivalent	6.5%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	6%	₹623 Cr	60,000,000 ↑ 5,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	5%	₹522 Cr	51,500,000 ↓ -4,500,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹275 Cr	27,000
Small Industries Development Bank Of India Debentures \| -	2%	₹204 Cr	20,000
Small Industries Development Bank Of India Debentures \| -	2%	₹204 Cr	20,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹200 Cr	20,000
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	2%	₹197 Cr	194
Rec Limited Debentures \| -	2%	₹181 Cr	17,500 ↑ 12,500
Indian Railway Finance Corporation Limited Debentures \| -	2%	₹162 Cr	1,550
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	1%	₹137 Cr	135

3. HDFC Floating Rate Income Fund - Short Term Plan - Direct

The investment objective of the scheme is to generate regular income through investment in a portfolio comprising substantially of floating & fixed rate debt & money market instruments swapped for floating rate returns and fixed rate debt securities and money market instruments.

Research Highlights for HDFC Floating Rate Income Fund - Short Term Plan - Direct

Top quartile AUM (₹15,773 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 8.12% (upper mid).
1M return: 0.32% (lower mid).
Sharpe: 2.38 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.98% (top quartile).
Modified duration: 1.77 yrs (lower mid).
Average maturity: 4.28 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for HDFC Floating Rate Income Fund - Short Term Plan - Direct

HDFC Floating Rate Income Fund - Short Term Plan - Direct Growth
Launch Date	1 Jan 13
NAV (22 Dec 25)	₹52.597 ↑ 0.02 (0.04 %)
Net Assets (Cr)	₹15,773 on 30 Nov 25
Category	Debt - Floating Rate
AMC	HDFC Asset Management Company Limited
Rating	Not Rated
Risk	Moderately Low
Expense Ratio	0.25
Sharpe Ratio	2.38
Information Ratio	0
Alpha Ratio	0
Min Investment
Min SIP Investment
Exit Load	NIL
Yield to Maturity	6.98%
Effective Maturity	4 Years 3 Months 11 Days
Modified Duration	1 Year 9 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,487
30 Nov 22	₹10,954
30 Nov 23	₹11,798
30 Nov 24	₹12,816
30 Nov 25	₹13,884

HDFC Floating Rate Income Fund - Short Term Plan - Direct SIP Returns

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

Purchase not allowed

Returns for HDFC Floating Rate Income Fund - Short Term Plan - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Dec 25

Duration	Returns
1 Month	0.3%
3 Month	1.6%
6 Month	3.1%
1 Year	8.1%
3 Year	8.2%
5 Year	6.7%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.5%
2023	7.9%
2022	4.8%
2021	4.4%
2020	9.4%
2019	8.7%
2018	7.4%
2017	7%
2016	9.1%
2015	8.9%

Fund Manager information for HDFC Floating Rate Income Fund - Short Term Plan - Direct

Name	Since	Tenure
Shobhit Mehrotra	23 Oct 07	18.12 Yr.
Dhruv Muchhal	22 Jun 23	2.45 Yr.

Data below for HDFC Floating Rate Income Fund - Short Term Plan - Direct as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	4.57%
Debt	95.15%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	57.85%
Government	38.86%
Cash Equivalent	3%

Credit Quality

Rating	Value
AA	14.12%
AAA	85.88%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.54% Govt Stock 2034 Sovereign Bonds \| -	11%	₹1,777 Cr	174,500,000
6.63% Govt Stock 2031 Sovereign Bonds \| -	7%	₹1,082 Cr	106,000,000
6.82% Govt Stock 2033 Sovereign Bonds \| -	6%	₹1,001 Cr	96,641,200
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	4%	₹714 Cr	695
Jubilant Beverages Limited Debentures \| -	3%	₹463 Cr	43,600
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	3%	₹411 Cr	400
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹330 Cr	32,500
Aadhar Housing Finance Limited Debentures \| -	2%	₹304 Cr	30,000
Power Finance Corporation Limited Debentures \| -	1%	₹227 Cr	22,500
Bajaj Housing Finance Limited Debentures \| -	1%	₹203 Cr	20,000

4. Reliance Dynamic Bond Fund - Direct

The primary investment objective of the scheme is to generate optimal returns consistent with moderate levels of risks. This income may be complimented by capital appreciation of the portfolio. Accordingly, investments shall predominantly be made in debt and money market instruments.

Research Highlights for Reliance Dynamic Bond Fund - Direct

Upper mid AUM (₹4,429 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 7.83% (upper mid).
1M return: 0.33% (lower mid).
Sharpe: 0.85 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.76% (upper mid).
Modified duration: 3.81 yrs (bottom quartile).
Average maturity: 4.59 yrs (bottom quartile).
Exit load: 0-12 Months (1%),12 Months and above(NIL).

Below is the key information for Reliance Dynamic Bond Fund - Direct

Reliance Dynamic Bond Fund - Direct Growth
Launch Date	1 Jan 13
NAV (22 Dec 25)	₹41.0225 ↓ -0.01 (-0.02 %)
Net Assets (Cr)	₹4,429 on 15 Dec 25
Category	Debt - Dynamic Bond
AMC	Nippon Life Asset Management Ltd.
Rating	Not Rated
Risk	Moderate
Expense Ratio	0.32
Sharpe Ratio	0.85
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity	6.76%
Effective Maturity	4 Years 7 Months 2 Days
Modified Duration	3 Years 9 Months 22 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,414
30 Nov 22	₹10,587
30 Nov 23	₹11,300
30 Nov 24	₹12,415
30 Nov 25	₹13,455

Reliance Dynamic Bond Fund - Direct 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 Reliance Dynamic Bond Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Dec 25

Duration	Returns
1 Month	0.3%
3 Month	1.9%
6 Month	2%
1 Year	7.8%
3 Year	8.2%
5 Year	6.1%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9.4%
2023	7.1%
2022	2.8%
2021	3.2%
2020	11.9%
2019	9.2%
2018	5.5%
2017	3.8%
2016	14.7%
2015	6.4%

Fund Manager information for Reliance Dynamic Bond Fund - Direct

Name	Since	Tenure
Vivek Sharma	25 Jun 20	5.44 Yr.
Pranay Sinha	31 Mar 21	4.67 Yr.
Kinjal Desai	25 May 18	7.53 Yr.
Lokesh Maru	5 Sep 25	0.24 Yr.
Divya Sharma	5 Sep 25	0.24 Yr.

Data below for Reliance Dynamic Bond Fund - Direct as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	4.07%
Debt	95.63%
Other	0.3%

Debt Sector Allocation

Sector	Value
Government	95.63%
Cash Equivalent	4.07%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
07.83 MH Sdl 2030 Sovereign Bonds \| -	7%	₹306 Cr	29,400,000
07.78 MH Sgs 2030 Sovereign Bonds \| -	6%	₹251 Cr	24,100,200
07.04 Tn SDL 2030 Sovereign Bonds \| -	5%	₹233 Cr	23,078,300
07.72 MH Sgs 2031 Sovereign Bonds \| -	4%	₹197 Cr	19,146,700
07.86 MH Sdl 2030 Sovereign Bonds \| -	3%	₹115 Cr	11,000,000
06.65 GJ Sdl 2030 Sovereign Bonds \| -	3%	₹112 Cr	11,200,000
07.09 KA Sdl 2030 Sovereign Bonds \| -	2%	₹105 Cr	10,321,200
07.49 MH Sdl 2030 Sovereign Bonds \| -	2%	₹103 Cr	10,030,000
07.17 GJ Sdl 2030 Sovereign Bonds \| -	2%	₹102 Cr	10,000,000
06.70 GJ Sdl 2030 Sovereign Bonds \| -	2%	₹96 Cr	9,640,700

5. UTI Short Term Income Fund - Direct

To generate steady and reasonable income with low risk and high level of liquidity from a portfolio of money market securities and high quality debt.

Research Highlights for UTI Short Term Income Fund - Direct

Lower mid AUM (₹3,374 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 7.78% (upper mid).
1M return: 0.08% (bottom quartile).
Sharpe: 1.61 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.84% (upper mid).
Modified duration: 2.80 yrs (bottom quartile).
Average maturity: 3.55 yrs (lower mid).
Exit load: NIL.

Below is the key information for UTI Short Term Income Fund - Direct

UTI Short Term Income Fund - Direct Growth
Launch Date	1 Jan 13
NAV (22 Dec 25)	₹34.6808 ↓ -0.01 (-0.04 %)
Net Assets (Cr)	₹3,374 on 30 Nov 25
Category	Debt - Short term Bond
AMC	UTI Asset Management Company Ltd
Rating	Not Rated
Risk	Moderate
Expense Ratio	0.4
Sharpe Ratio	1.61
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.84%
Effective Maturity	3 Years 6 Months 18 Days
Modified Duration	2 Years 9 Months 18 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,923
30 Nov 22	₹11,372
30 Nov 23	₹12,199
30 Nov 24	₹13,259
30 Nov 25	₹14,347

UTI Short Term Income Fund - Direct SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for UTI Short Term Income Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Dec 25

Duration	Returns
1 Month	0.1%
3 Month	1.3%
6 Month	2.6%
1 Year	7.8%
3 Year	7.9%
5 Year	7.4%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.4%
2023	7.6%
2022	4.4%
2021	9%
2020	11%
2019	-3.5%
2018	6.6%
2017	6.6%
2016	10.6%
2015	8.9%

Fund Manager information for UTI Short Term Income Fund - Direct

Name	Since	Tenure
Abhishek Sonthalia	10 Nov 25	0.06 Yr.

Data below for UTI Short Term Income Fund - Direct as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	9.98%
Debt	89.75%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	67.44%
Government	25.96%
Cash Equivalent	6.33%

Credit Quality

Rating	Value
AA	11%
AAA	89%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Housing Bank Debentures \| -	5%	₹177 Cr	17,500
LIC Housing Finance Ltd Debentures \| -	5%	₹177 Cr	1,750
Power Finance Corporation Limited Debentures \| -	5%	₹177 Cr	17,500
6.79% Govt Stock 2034 Sovereign Bonds \| -	4%	₹146 Cr	1,450,000,000 ↓ -1,600,000,000
Export Import Bank Of India Debentures \| -	4%	₹126 Cr	12,500
Small Industries Development Bank Of India Debentures \| -	3%	₹99 Cr	10,000 ↑ 5,000
TATA Communications Limited Debentures \| -	3%	₹99 Cr	10,000
6.48% Govt Stock 2035 Sovereign Bonds \| -	3%	₹99 Cr	1,000,000,000 ↑ 1,000,000,000
Kotak Mahindra Prime Limited Debentures \| -	2%	₹76 Cr	750
Export Import Bank Of India Debentures \| -	2%	₹76 Cr	7,500

6. UTI Treasury Advantage Fund - Direct

The scheme will endeavour to generate an attractive return for its investors consistent with capital preservation and liquidity by investing in a portfolio of quality debt securities, money market instruments and structured obligations.

Research Highlights for UTI Treasury Advantage Fund - Direct

Lower mid AUM (₹3,184 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 7.71% (lower mid).
1M return: 0.36% (upper mid).
Sharpe: 2.98 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.68% (lower mid).
Modified duration: 0.83 yrs (upper mid).
Average maturity: 1.06 yrs (upper mid).
Exit load: NIL.

Below is the key information for UTI Treasury Advantage Fund - Direct

UTI Treasury Advantage Fund - Direct Growth
Launch Date	1 Jan 13
NAV (22 Dec 25)	₹3,717.32 ↑ 1.32 (0.04 %)
Net Assets (Cr)	₹3,184 on 30 Nov 25
Category	Debt - Low Duration
AMC	UTI Asset Management Company Ltd
Rating	Not Rated
Risk	Moderately Low
Expense Ratio	0.37
Sharpe Ratio	2.98
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.68%
Effective Maturity	1 Year 22 Days
Modified Duration	9 Months 29 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,910
30 Nov 22	₹11,385
30 Nov 23	₹12,200
30 Nov 24	₹13,150
30 Nov 25	₹14,179

UTI Treasury Advantage Fund - Direct SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for UTI Treasury Advantage Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Dec 25

Duration	Returns
1 Month	0.4%
3 Month	1.6%
6 Month	3.1%
1 Year	7.7%
3 Year	7.5%
5 Year	7.2%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.8%
2023	7.2%
2022	4.6%
2021	9.1%
2020	7.4%
2019	-4.1%
2018	7.5%
2017	7.2%
2016	9.1%
2015	8.9%

Fund Manager information for UTI Treasury Advantage Fund - Direct

Name	Since	Tenure
Anurag Mittal	1 Dec 21	4 Yr.

Data below for UTI Treasury Advantage Fund - Direct as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	22.11%
Debt	77.59%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	67.99%
Cash Equivalent	18.27%
Government	13.44%

Credit Quality

Rating	Value
AA	16.1%
AAA	83.9%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹126 Cr	12,500
Treasury Bills Sovereign Bonds \| -	4%	₹124 Cr	1,250,000,000
India (Republic of) - \| -	4%	₹123 Cr	1,250,000,000
Embassy Office Parks Reit Debentures \| -	4%	₹120 Cr	1,200
Rec Limited Debentures \| -	3%	₹101 Cr	10,000
Summit Digitel Infrastructure Limited Debentures \| -	3%	₹100 Cr	1,000
Sikka Ports & Terminals Limited Debentures \| -	3%	₹100 Cr	1,000
Jamnagar Utilities & Power Private Limited Debentures \| -	3%	₹100 Cr	1,000
182 Days Tbill Red 29-01-2026 Sovereign Bonds \| -	3%	₹94 Cr	950,000,000
Embassy Office Parks Reit Debentures \| -	3%	₹90 Cr	900

7. Franklin India Savings Plus Fund Retail Option - Direct

Aims to provide income consistent with the prudent risk from a portfolio comprising substantially of floating rate debt instruments, fixed rate debt instruments swapped for floating rate returns, and also fixed rate instruments and money market instruments.

Research Highlights for Franklin India Savings Plus Fund Retail Option - Direct

Upper mid AUM (₹4,422 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 7.66% (lower mid).
1M return: 0.48% (top quartile).
Sharpe: 3.12 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.17% (bottom quartile).
Modified duration: 0.29 yrs (top quartile).
Average maturity: 0.31 yrs (top quartile).
Exit load: NIL.

Below is the key information for Franklin India Savings Plus Fund Retail Option - Direct

Franklin India Savings Plus Fund Retail Option - Direct Growth
Launch Date	1 Jan 13
NAV (22 Dec 25)	₹53.4769 ↑ 0.03 (0.05 %)
Net Assets (Cr)	₹4,422 on 30 Nov 25
Category	Debt - Money Market
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	Not Rated
Risk	Moderately Low
Expense Ratio	0.14
Sharpe Ratio	3.12
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.17%
Effective Maturity	3 Months 22 Days
Modified Duration	3 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,374
30 Nov 22	₹10,819
30 Nov 23	₹11,625
30 Nov 24	₹12,528
30 Nov 25	₹13,494

Franklin India Savings Plus Fund Retail Option - Direct 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 Savings Plus Fund Retail Option - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Dec 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.1%
1 Year	7.7%
3 Year	7.6%
5 Year	6.2%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.8%
2023	7.4%
2022	4.6%
2021	3.7%
2020	6.2%
2019	8.6%
2018	7.7%
2017	7.3%
2016	8.5%
2015	9%

Fund Manager information for Franklin India Savings Plus Fund Retail Option - Direct

Name	Since	Tenure
Rahul Goswami	6 Oct 23	2.16 Yr.
Rohan Maru	10 Oct 24	1.14 Yr.
Chandni Gupta	30 Apr 24	1.59 Yr.

Data below for Franklin India Savings Plus Fund Retail Option - Direct as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	98.44%
Debt	1.33%
Other	0.23%

Debt Sector Allocation

Sector	Value
Cash Equivalent	52.25%
Corporate	27.56%
Government	19.96%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
364 Days Tbill (Md 05/03/2026) Sovereign Bonds \| -	5%	₹222 Cr	22,500,000
Canara Bank Domestic Bonds \| -	5%	₹198 Cr	4,000
364 DTB 22012026 Sovereign Bonds \| -	3%	₹127 Cr	12,816,500
Kotak Mahindra Bank Ltd. Debentures \| -	2%	₹74 Cr	1,500
Punjab National Bank Domestic Bonds \| -	1%	₹50 Cr	1,000
364 Days Tbill Red 12-03-2026 Sovereign Bonds \| -	1%	₹49 Cr	5,000,000
Indian Bank Domestic Bonds \| -	1%	₹49 Cr	1,000
08.39 RJ UDAY 2026 Domestic Bonds \| -	1%	₹29 Cr	2,860,000
08.43 AS Sdl 2026 Sovereign Bonds \| -	1%	₹21 Cr	2,000,000
India (Republic of) - \| -	0%	₹20 Cr	2,000,000

8. UTI Money Market Fund - Direct

To provide highest possible current income consistent with preservation of capital and providing liquidity from investing in a diversified portfolio of short term money market securities.

Research Highlights for UTI Money Market Fund - Direct

Highest AUM (₹22,198 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 7.62% (bottom quartile).
1M return: 0.46% (upper mid).
Sharpe: 3.25 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.19% (lower mid).
Modified duration: 0.37 yrs (upper mid).
Average maturity: 0.37 yrs (upper mid).
Exit load: NIL.

Below is the key information for UTI Money Market Fund - Direct

UTI Money Market Fund - Direct Growth
Launch Date	1 Jan 13
NAV (22 Dec 25)	₹3,219.98 ↑ 1.63 (0.05 %)
Net Assets (Cr)	₹22,198 on 30 Nov 25
Category	Debt - Money Market
AMC	UTI Asset Management Company Ltd
Rating	Not Rated
Risk	Low
Expense Ratio	0.17
Sharpe Ratio	3.25
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.19%
Effective Maturity	4 Months 12 Days
Modified Duration	4 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,383
30 Nov 22	₹10,872
30 Nov 23	₹11,689
30 Nov 24	₹12,600
30 Nov 25	₹13,567

UTI Money Market Fund - Direct SIP Returns

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

Purchase not allowed

Returns for UTI Money Market Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Dec 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.1%
1 Year	7.6%
3 Year	7.6%
5 Year	6.3%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.8%
2023	7.5%
2022	5%
2021	3.8%
2020	6.1%
2019	8.1%
2018	7.9%
2017	6.8%
2016	7.8%
2015	8.5%

Fund Manager information for UTI Money Market Fund - Direct

Name	Since	Tenure
Anurag Mittal	1 Dec 21	4 Yr.
Amit Sharma	7 Jul 17	8.41 Yr.

Data below for UTI Money Market Fund - Direct as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	77.2%
Debt	22.56%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	50.63%
Cash Equivalent	32.86%
Government	16.27%

Credit Quality

Rating	Value
A	0.45%
AAA	99.55%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Indusind Bank Ltd. Debentures \| -	2%	₹533 Cr	5,500,000,000 ↑ 5,500,000,000
364 Days Tbill (Md 05/03/2026) Sovereign Bonds \| -	2%	₹493 Cr	5,000,000,000
364 DTB 19mar2026 Sovereign Bonds \| -	2%	₹492 Cr	5,000,000,000
Union Bank of India Domestic Bonds \| -	2%	₹389 Cr	4,000,000,000 ↑ 4,000,000,000
Kotak Mahindra Bank Ltd. Debentures \| -	1%	₹286 Cr	3,000,000,000 ↑ 3,000,000,000
Small Industries Development Bank of India Debentures \| -	1%	₹284 Cr	3,000,000,000 ↑ 3,000,000,000
364 Days Tbill Red 12-03-2026 Sovereign Bonds \| -	1%	₹246 Cr	2,500,000,000
India (Republic of) - \| -	1%	₹246 Cr	2,500,000,000 ↑ 2,500,000,000
IDFC First Bank Ltd. Debentures \| -	1%	₹243 Cr	2,500,000,000 ↑ 2,500,000,000
364 DTB 12022026 Sovereign Bonds \| -	1%	₹198 Cr	2,000,000,000

9. Edelweiss Bond Fund - Direct

To generate optimal returns while maintaining liquidity through active management of the portfolio by investing in debt and money market instruments. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for Edelweiss Bond Fund - Direct

Bottom quartile AUM (₹1,889 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 7.59% (bottom quartile).
1M return: 0.49% (top quartile).
Sharpe: 3.02 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.10% (bottom quartile).
Modified duration: 0.33 yrs (upper mid).
Average maturity: 0.33 yrs (upper mid).
Exit load: NIL.

Below is the key information for Edelweiss Bond Fund - Direct

Edelweiss Bond Fund - Direct Growth
Launch Date	1 Jan 13
NAV (22 Dec 25)	₹32.3319 ↑ 0.02 (0.05 %)
Net Assets (Cr)	₹1,889 on 30 Nov 25
Category	Debt - Dynamic Bond
AMC	Edelweiss Asset Management Limited
Rating	Not Rated
Risk	Moderate
Expense Ratio	0.16
Sharpe Ratio	3.02
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.1%
Effective Maturity	3 Months 29 Days
Modified Duration	3 Months 29 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,365
30 Nov 22	₹10,777
30 Nov 23	₹11,550
30 Nov 24	₹12,435
30 Nov 25	₹13,381

Edelweiss Bond Fund - Direct 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 Edelweiss Bond Fund - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Dec 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.1%
1 Year	7.6%
3 Year	7.5%
5 Year	6%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	7.2%
2022	4.3%
2021	3.7%
2020	7.2%
2019	13.4%
2018	6.6%
2017	3.6%
2016	10.5%
2015	7.9%

Fund Manager information for Edelweiss Bond Fund - Direct

Name	Since	Tenure
Rahul Dedhia	22 Sep 25	0.19 Yr.
Pranavi Kulkarni	23 Nov 21	4.02 Yr.
Hetul Raval	1 Jul 24	1.42 Yr.

Data below for Edelweiss Bond Fund - Direct as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	85.22%
Debt	14.49%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	40.25%
Cash Equivalent	37.21%
Government	22.25%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	4%	₹74 Cr	7,500,000
India (Republic of) - \| -	3%	₹53 Cr	5,500,000
364 DTB 19mar2026 Sovereign Bonds \| -	3%	₹49 Cr	5,000,000
Union Bank of India Domestic Bonds \| -	3%	₹49 Cr	5,000,000 ↑ 5,000,000
08.27 KA Sdl 2025 Sovereign Bonds \| -	1%	₹25 Cr	2,500,000
364 Days Tbill Red 12-03-2026 Sovereign Bonds \| -	1%	₹25 Cr	2,500,000
364 Days Tbill Red 04-06-2026 Sovereign Bonds \| -	1%	₹24 Cr	2,500,000
SBI CDMDF--A2 Investment Fund \| -	0%	₹6 Cr	4,861
08.54 BR Sdl 2026 Sovereign Bonds \| -	0%	₹5 Cr	500,000
08.51 HR Sdl 2026 Sovereign Bonds \| -	0%	₹5 Cr	500,000

10. Franklin India Treasury Management Account - Regular Plan - Direct

Aims to provide current income with high liquidity.

Research Highlights for Franklin India Treasury Management Account - Regular Plan - Direct

Bottom quartile AUM (₹3,133 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.68% (bottom quartile).
1M return: 0.47% (upper mid).
Sharpe: 3.86 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.05% (bottom quartile).
Modified duration: 0.14 yrs (top quartile).
Average maturity: 0.15 yrs (top quartile).
Exit load: NIL.

Below is the key information for Franklin India Treasury Management Account - Regular Plan - Direct

Franklin India Treasury Management Account - Regular Plan - Direct Growth
Launch Date	1 Jan 13
NAV (22 Dec 25)	₹4,074.46 ↑ 0.78 (0.02 %)
Net Assets (Cr)	₹3,133 on 15 Nov 25
Category	Debt - Liquid Fund
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	Not Rated
Risk	Low
Expense Ratio	0.12
Sharpe Ratio	3.86
Information Ratio	0
Alpha Ratio	0
Min Investment
Min SIP Investment
Exit Load	NIL
Yield to Maturity	6.05%
Effective Maturity	1 Month 24 Days
Modified Duration	1 Month 20 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,330
30 Nov 22	₹10,810
30 Nov 23	₹11,566
30 Nov 24	₹12,430
30 Nov 25	₹13,270

Franklin India Treasury Management Account - Regular Plan - Direct SIP Returns

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

Purchase not allowed

Returns for Franklin India Treasury Management Account - Regular Plan - Direct

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Dec 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	2.9%
1 Year	6.7%
3 Year	7.1%
5 Year	5.9%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	7%
2022	4.9%
2021	3.3%
2020	4.4%
2019	6.9%
2018	7.5%
2017	6.8%
2016	7.7%
2015	8.6%

Fund Manager information for Franklin India Treasury Management Account - Regular Plan - Direct

Name	Since	Tenure
Pallab Roy	25 Jun 08	17.45 Yr.
Rohan Maru	10 Oct 24	1.14 Yr.

Data below for Franklin India Treasury Management Account - Regular Plan - Direct as on 15 Nov 25

Asset Allocation

Asset Class	Value
Cash	99.75%
Other	0.25%

Debt Sector Allocation

Sector	Value
Cash Equivalent	54.14%
Corporate	29%
Government	16.61%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Call, Cash & Other Assets CBLO \| -	11%	₹317 Cr
Union Bank Of India Certificate of Deposit \| -	7%	₹223 Cr	4,500
Hindalco Industries Limited Commercial Paper \| -	7%	₹199 Cr	4,000
HDFC Bank Limited Certificate of Deposit \| -	5%	₹149 Cr	3,000
IDBI Bank Limited Certificate of Deposit \| -	5%	₹148 Cr	3,000
India (Republic of) - \| -	4%	₹134 Cr	13,500,000 ↑ 13,500,000
HDFC Bank Limited Certificate of Deposit \| -	4%	₹124 Cr	2,500
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹107 Cr	1,000
7.59% Govt Stock 2026 Sovereign Bonds \| -	3%	₹103 Cr	10,000,000
Indian Bank Certificate of Deposit \| -	3%	₹99 Cr	2,000

Disclaimer:
ഇവിടെ നൽകിയിരിക്കുന്ന വിവരങ്ങൾ കൃത്യമാണെന്ന് ഉറപ്പാക്കാൻ എല്ലാ ശ്രമങ്ങളും നടത്തി. എന്നിരുന്നാലും, ഡാറ്റയുടെ കൃത്യത സംബന്ധിച്ച് ഒരു ഉറപ്പുമില്ല. നിക്ഷേപം നടത്തുന്നതിന് മുമ്പ് ദയവായി സ്കീം വിവര പ്രമാണം ഉപയോഗിച്ച് പരിശോധിക്കുക.