മികച്ച ഇടത്തരം മുതൽ ദീർഘകാല ഫണ്ടുകൾ 2022

Updated on October 17, 2025 , 2285 views

4 മുതൽ 7 വർഷം വരെ പണം നിക്ഷേപിക്കാൻ നോക്കുന്നു, പക്ഷേ ആഗ്രഹിക്കുന്നില്ലവിപണി അസ്ഥിരത നിങ്ങളുടെ നിക്ഷേപത്തെ ബാധിക്കുമോ? അപ്പോൾ നിങ്ങൾ നോക്കേണ്ട ഒരു ഫണ്ട് ഇതാ. മീഡിയം മുതൽ ലോംഗ് ഡ്യൂറേഷൻ ഫണ്ടുകൾ എന്നത് 4 മുതൽ 7 വർഷം വരെ മക്കാലെ ദൈർഘ്യമുള്ള ഒരു തരം ഡെറ്റ് ഫണ്ടാണ്. അതിനാൽ, നിങ്ങളുടെ സമ്പത്തിൽ നിന്ന് മധ്യത്തിൽ നിന്ന് ദീർഘകാലത്തേക്ക് ഒപ്റ്റിമൽ റിട്ടേൺ നേടാൻ നിങ്ങൾ ആഗ്രഹിക്കുന്നുവെങ്കിൽ, ഇടത്തരം മുതൽ ദീർഘകാല ഫണ്ടുകൾ നിങ്ങൾക്ക് അനുയോജ്യമായ ഫണ്ടായിരിക്കും.

ഇടത്തരം മുതൽ ദീർഘകാലം വരെയുള്ള മ്യൂച്വൽ ഫണ്ടുകളുടെ അവലോകനം

ഇടത്തരം മുതൽ ദീർഘകാലം വരെയുള്ള ഫണ്ടുകൾ കടത്തിൽ നിക്ഷേപിക്കുന്നുപണ വിപണി ശരാശരി 4 മുതൽ 7 വർഷം വരെ മെച്യൂരിറ്റി ഉള്ള ഉപകരണങ്ങൾ (മക്കാലെ കാലാവധി). ഈ ഫണ്ടുകൾ മികച്ച വരുമാനം നൽകിയേക്കാം, എന്നാൽ പലിശ നിരക്ക് മാറ്റങ്ങളോട് കൂടുതൽ സെൻസിറ്റീവ് ആയിരിക്കും. പലിശ നിരക്ക് ഉയരുമ്പോൾ ബോണ്ട് വില കുറയുന്നു, തിരിച്ചും. അത്തരം ഡെറ്റ് ഫണ്ടുകൾ പലിശ നിരക്കിലെ ഏറ്റക്കുറച്ചിലുകൾക്ക് വിധേയമാകുന്നതിനാൽ, ഇത് വിലകളെ അസ്വസ്ഥമാക്കുന്നുഅടിവരയിടുന്നു ബോണ്ടുകൾ ഫണ്ട് പോർട്ട്ഫോളിയോയിൽ.

ഇടത്തരം മുതൽ ദീർഘകാല ഫണ്ടുകളിൽ നിക്ഷേപിക്കാൻ ആഗ്രഹിക്കുന്ന നിക്ഷേപകർക്ക് ഒരു പരിധിവരെ റിസ്ക് സഹിക്കാൻ കഴിയണം, കാരണം അത്തരം ഡെറ്റ് ഫണ്ടുകൾ പൂർണ്ണമായും അപകടസാധ്യതയില്ലാത്തവയല്ല. ഡെറ്റ് ഫണ്ടുകൾക്ക് കുറഞ്ഞ കാലയളവ്, ഹ്രസ്വകാല കാലയളവ്, ഇടത്തരം കാലയളവ്, ഇടത്തരം മുതൽ ദൈർഘ്യമേറിയ കാലയളവ്, ദീർഘകാല ഫണ്ടുകൾ തുടങ്ങി വിവിധ മെച്യൂരിറ്റി സ്കീമുകൾ തിരഞ്ഞെടുക്കാം. ഡെറ്റ് ഫണ്ടുകളിലെ നിക്ഷേപം പരമാവധി പ്രയോജനപ്പെടുത്തുന്നതിന്, നിക്ഷേപകർ അവരുടെ മെച്യൂരിറ്റി കാലയളവിനെ അടിസ്ഥാനമാക്കി നിക്ഷേപം തീരുമാനിക്കേണ്ടതുണ്ട്. പറഞ്ഞതുപോലെ, നിങ്ങൾ ഒരു വർഷത്തെ സമയപരിധി നോക്കുകയാണെങ്കിൽനിക്ഷേപ പദ്ധതി, പിന്നെ, ഒരു ചെറിയ കാലയളവ്ഡെറ്റ് ഫണ്ട് തികച്ചും അനുയോജ്യമാകും.

ഡെറ്റ് മ്യൂച്വൽ ഫണ്ടുകളിലെ നികുതി

ഡെറ്റ് ഫണ്ടുകളിലെ നികുതി സ്വാധീനം ഇനിപ്പറയുന്ന രീതിയിൽ കണക്കാക്കുന്നു-

ഹ്രസ്വകാല മൂലധന നേട്ടം

ഒരു ഡെറ്റ് നിക്ഷേപത്തിന്റെ ഹോൾഡിംഗ് കാലയളവ് 36 മാസത്തിൽ കുറവാണെങ്കിൽ, അത് ഒരു ഹ്രസ്വകാല നിക്ഷേപമായി തരംതിരിക്കുകയും വ്യക്തിയുടെ നികുതി സ്ലാബ് അനുസരിച്ച് നികുതി നൽകുകയും ചെയ്യും.

ദീർഘകാല മൂലധന നേട്ടം

ഡെറ്റ് നിക്ഷേപത്തിന്റെ ഹോൾഡിംഗ് കാലയളവ് 36 മാസത്തിൽ കൂടുതലാണെങ്കിൽ, അത് ദീർഘകാല നിക്ഷേപമായി തരംതിരിക്കുകയും ഇൻഡെക്സേഷൻ ആനുകൂല്യത്തോടെ 20% നികുതി നൽകുകയും ചെയ്യും.

മൂലധനം നേട്ടങ്ങൾ	നിക്ഷേപ ഹോൾഡിംഗ് നേട്ടങ്ങൾ	നികുതി
ഷോർട്ട് ടേംമൂലധന നേട്ടം	36 മാസത്തിൽ താഴെ	വ്യക്തിയുടെ നികുതി സ്ലാബ് അനുസരിച്ച്
ദീർഘകാല മൂലധന നേട്ടം	36 മാസത്തിലധികം	ഇൻഡെക്സേഷൻ ആനുകൂല്യങ്ങളോടെ 20%

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മികച്ച 11 മികച്ച പ്രകടനം നടത്തുന്ന മീഡിയം മുതൽ ദീർഘകാല ഫണ്ടുകൾ FY 22 - 23

Fund	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
ICICI Prudential Bond Fund Growth	0.6	2.1	7.6	8.1	8.6	7.34%	5Y 8M 1D	15Y 9M 25D
LIC MF Bond Fund Growth	0.5	1.6	6.8	7.7	9	7%	6Y 3M 4D	9Y 25D
UTI Bond Fund Growth	0.6	1.5	6.5	7.3	8.5	7.2%	5Y 5M 8D	9Y 3M 25D
SBI Magnum Income Fund Growth	0.7	1.7	6.5	7.5	8.1	7.32%	6Y 2M 5D	10Y 1M 24D
HDFC Income Fund Growth	0.3	1.2	6.2	7.3	9	6.9%	6Y 6M 4D	12Y 2M 16D
Aditya Birla Sun Life Income Fund Growth	0.7	1.6	6.2	7.3	8.4	7.37%	6Y 7M 13D	14Y 22D
Kotak Bond Fund Growth	0.5	1.6	6.1	7.2	8.2	6.96%	6Y 8M 5D	13Y 3M 18D
Nippon India Income Fund Growth	0.3	1.1	5.6	7.1	8.1	6.95%	6Y 4M 17D	14Y 6M 29D
Canara Robeco Income Fund Growth	0.4	1.1	5.1	6.3	7.6	6.77%	4Y 1M 19D	8Y 3M 13D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Oct 25

Research Highlights & Commentary of 9 Funds showcased

Commentary	ICICI Prudential Bond Fund	LIC MF Bond Fund	UTI Bond Fund	SBI Magnum Income Fund	HDFC Income Fund	Aditya Birla Sun Life Income Fund	Kotak Bond Fund	Nippon India Income Fund	Canara Robeco Income Fund
Point 1	Highest AUM (₹2,857 Cr).	Bottom quartile AUM (₹204 Cr).	Bottom quartile AUM (₹324 Cr).	Upper mid AUM (₹1,970 Cr).	Lower mid AUM (₹941 Cr).	Upper mid AUM (₹2,025 Cr).	Top quartile AUM (₹2,061 Cr).	Lower mid AUM (₹426 Cr).	Bottom quartile AUM (₹123 Cr).
Point 2	Established history (17+ yrs).	Established history (26+ yrs).	Established history (27+ yrs).	Established history (26+ yrs).	Established history (25+ yrs).	Oldest track record among peers (30 yrs).	Established history (25+ yrs).	Established history (27+ yrs).	Established history (23+ yrs).
Point 3	Rating: 3★ (upper mid).	Not Rated.	Top rated.	Rating: 4★ (top quartile).	Rating: 2★ (lower mid).	Rating: 3★ (upper mid).	Rating: 2★ (lower mid).	Rating: 2★ (bottom quartile).	Not Rated.
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 7.56% (top quartile).	1Y return: 6.83% (top quartile).	1Y return: 6.51% (upper mid).	1Y return: 6.48% (upper mid).	1Y return: 6.24% (lower mid).	1Y return: 6.19% (lower mid).	1Y return: 6.13% (bottom quartile).	1Y return: 5.56% (bottom quartile).	1Y return: 5.12% (bottom quartile).
Point 6	1M return: 1.12% (top quartile).	1M return: 0.89% (lower mid).	1M return: 0.82% (lower mid).	1M return: 0.77% (bottom quartile).	1M return: 0.66% (bottom quartile).	1M return: 1.12% (top quartile).	1M return: 1.00% (upper mid).	1M return: 1.06% (upper mid).	1M return: 0.51% (bottom quartile).
Point 7	Sharpe: 0.20 (top quartile).	Sharpe: 0.08 (top quartile).	Sharpe: -0.10 (upper mid).	Sharpe: -0.12 (upper mid).	Sharpe: -0.22 (lower mid).	Sharpe: -0.22 (lower mid).	Sharpe: -0.34 (bottom quartile).	Sharpe: -0.49 (bottom quartile).	Sharpe: -0.56 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (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): 7.34% (top quartile).	Yield to maturity (debt): 7.00% (lower mid).	Yield to maturity (debt): 7.20% (upper mid).	Yield to maturity (debt): 7.32% (upper mid).	Yield to maturity (debt): 6.90% (bottom quartile).	Yield to maturity (debt): 7.37% (top quartile).	Yield to maturity (debt): 6.96% (lower mid).	Yield to maturity (debt): 6.95% (bottom quartile).	Yield to maturity (debt): 6.77% (bottom quartile).
Point 10	Modified duration: 5.67 yrs (upper mid).	Modified duration: 6.26 yrs (lower mid).	Modified duration: 5.44 yrs (top quartile).	Modified duration: 6.18 yrs (upper mid).	Modified duration: 6.51 yrs (bottom quartile).	Modified duration: 6.62 yrs (bottom quartile).	Modified duration: 6.68 yrs (bottom quartile).	Modified duration: 6.38 yrs (lower mid).	Modified duration: 4.14 yrs (top quartile).

ICICI Prudential Bond Fund

Highest AUM (₹2,857 Cr).
Established history (17+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.56% (top quartile).
1M return: 1.12% (top quartile).
Sharpe: 0.20 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.34% (top quartile).
Modified duration: 5.67 yrs (upper mid).

LIC MF Bond Fund

Bottom quartile AUM (₹204 Cr).
Established history (26+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 6.83% (top quartile).
1M return: 0.89% (lower mid).
Sharpe: 0.08 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.00% (lower mid).
Modified duration: 6.26 yrs (lower mid).

UTI Bond Fund

Bottom quartile AUM (₹324 Cr).
Established history (27+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 6.51% (upper mid).
1M return: 0.82% (lower mid).
Sharpe: -0.10 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.20% (upper mid).
Modified duration: 5.44 yrs (top quartile).

SBI Magnum Income Fund

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

HDFC Income Fund

Lower mid AUM (₹941 Cr).
Established history (25+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderate.
1Y return: 6.24% (lower mid).
1M return: 0.66% (bottom quartile).
Sharpe: -0.22 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.90% (bottom quartile).
Modified duration: 6.51 yrs (bottom quartile).

Aditya Birla Sun Life Income Fund

Upper mid AUM (₹2,025 Cr).
Oldest track record among peers (30 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.19% (lower mid).
1M return: 1.12% (top quartile).
Sharpe: -0.22 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.37% (top quartile).
Modified duration: 6.62 yrs (bottom quartile).

Kotak Bond Fund

Top quartile AUM (₹2,061 Cr).
Established history (25+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderate.
1Y return: 6.13% (bottom quartile).
1M return: 1.00% (upper mid).
Sharpe: -0.34 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.96% (lower mid).
Modified duration: 6.68 yrs (bottom quartile).

Nippon India Income Fund

Lower mid AUM (₹426 Cr).
Established history (27+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.56% (bottom quartile).
1M return: 1.06% (upper mid).
Sharpe: -0.49 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.95% (bottom quartile).
Modified duration: 6.38 yrs (lower mid).

Canara Robeco Income Fund

Bottom quartile AUM (₹123 Cr).
Established history (23+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 5.12% (bottom quartile).
1M return: 0.51% (bottom quartile).
Sharpe: -0.56 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.77% (bottom quartile).
Modified duration: 4.14 yrs (top quartile).

1. ICICI Prudential Bond Fund

(Erstwhile ICICI Prudential Income Opportunities Fund)

ICICI Prudential Income Opportunities Fund is an open-ended income fund that intends to generate income through investments in a range of debt and money market instruments of various credit ratings and maturities

Research Highlights for ICICI Prudential Bond Fund

Highest AUM (₹2,857 Cr).
Established history (17+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.56% (top quartile).
1M return: 1.12% (top quartile).
Sharpe: 0.20 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.34% (top quartile).
Modified duration: 5.67 yrs (upper mid).
Average maturity: 15.82 yrs (bottom quartile).
Exit load: 0-6 Months (1%),6 Months and above(NIL).

Below is the key information for ICICI Prudential Bond Fund

ICICI Prudential Bond Fund Growth
Launch Date	18 Aug 08
NAV (20 Oct 25)	₹40.8391 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹2,857 on 15 Sep 25
Category	Debt - Medium to Long term
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.03
Sharpe Ratio	0.2
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-6 Months (1%),6 Months and above(NIL)
Yield to Maturity	7.34%
Effective Maturity	15 Years 9 Months 25 Days
Modified Duration	5 Years 8 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,533
30 Sep 22	₹10,712
30 Sep 23	₹11,492
30 Sep 24	₹12,549
30 Sep 25	₹13,405

ICICI Prudential Bond Fund SIP Returns

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

Returns for ICICI Prudential 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 20 Oct 25

Duration	Returns
1 Month	1.1%
3 Month	0.6%
6 Month	2.1%
1 Year	7.6%
3 Year	8.1%
5 Year	6%
10 Year
15 Year
Since launch	8.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.6%
2023	7.7%
2022	3.1%
2021	2.9%
2020	11.5%
2019	10.9%
2018	4.6%
2017	5.3%
2016	11.3%
2015	8.5%

Fund Manager information for ICICI Prudential Bond Fund

Name	Since	Tenure
Darshil Dedhia	22 Jan 24	1.61 Yr.
Rohit Lakhotia	12 Jun 23	2.22 Yr.

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

Asset Allocation

Asset Class	Value
Cash	3.07%
Debt	96.62%
Other	0.31%

Debt Sector Allocation

Sector	Value
Government	63.63%
Corporate	32.99%
Cash Equivalent	3.07%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	14%	₹394 Cr	39,206,000
6.9% Govt Stock 2065 Sovereign Bonds \| -	10%	₹295 Cr	31,000,000
LIC Housing Finance Ltd Debentures \| -	6%	₹163 Cr	1,600
7.81% Govt Stock 2033 Sovereign Bonds \| -	5%	₹156 Cr	15,031,250 ↓ -2,500,000
HDFC Bank Limited Debentures \| -	5%	₹135 Cr	13,200
Summit Digitel Infrastructure Limited Debentures \| -	4%	₹119 Cr	11,650
HDFC Bank Limited Debentures \| -	4%	₹108 Cr	1,100
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹101 Cr	10,000
Pipeline Infrastructure Limited Debentures \| -	3%	₹76 Cr	7,400
Maharashtra (Government of) - \| -	3%	₹73 Cr	7,500,000

2. LIC MF Bond Fund

LIC MF Bond Fund is an open-ended debt scheme, which will endeavor to generate an attractive return for its investors by investing in a portfolio of quality debt securities and money market instruments. However, there is no assurance that the investment objective of the Scheme will be realised.

Research Highlights for LIC MF Bond Fund

Bottom quartile AUM (₹204 Cr).
Established history (26+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 6.83% (top quartile).
1M return: 0.89% (lower mid).
Sharpe: 0.08 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.00% (lower mid).
Modified duration: 6.26 yrs (lower mid).
Average maturity: 9.07 yrs (top quartile).
Exit load: 0-1 Years (1%),1 Years and above(NIL).

Below is the key information for LIC MF Bond Fund

LIC MF Bond Fund Growth
Launch Date	15 Sep 99
NAV (20 Oct 25)	₹73.2195 ↑ 0.01 (0.01 %)
Net Assets (Cr)	₹204 on 15 Sep 25
Category	Debt - Medium to Long term
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	Not Rated
Risk	Moderate
Expense Ratio	1.1
Sharpe Ratio	0.08
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%
Effective Maturity	9 Years 25 Days
Modified Duration	6 Years 3 Months 4 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,314
30 Sep 22	₹10,443
30 Sep 23	₹11,206
30 Sep 24	₹12,194
30 Sep 25	₹12,947

LIC MF Bond Fund SIP Returns

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

Returns for LIC MF 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 20 Oct 25

Duration	Returns
1 Month	0.9%
3 Month	0.5%
6 Month	1.6%
1 Year	6.8%
3 Year	7.7%
5 Year	5.3%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9%
2023	6.5%
2022	2.8%
2021	1.3%
2020	8.8%
2019	9.7%
2018	4.9%
2017	2.2%
2016	12.3%
2015	5.6%

Fund Manager information for LIC MF Bond Fund

Name	Since	Tenure
Marzban Irani	10 Aug 16	9.06 Yr.
Pratik Shroff	26 Sep 23	1.93 Yr.

Data below for LIC MF Bond Fund as on 15 Sep 25

Asset Allocation

Asset Class	Value
Cash	2.56%
Debt	97.16%
Other	0.28%

Debt Sector Allocation

Sector	Value
Government	91.97%
Corporate	5.2%
Cash Equivalent	2.56%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	21%	₹44 Cr	4,100,000
07.70 MH Sgs 2033 Sovereign Bonds \| -	15%	₹31 Cr	3,000,000
07.80 GJ Sdl 2032 Sovereign Bonds \| -	13%	₹26 Cr	2,500,000
6.68% Govt Stock 2040 Sovereign Bonds \| -	10%	₹20 Cr	2,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	8%	₹17 Cr	1,650,000
07.64 MH Sgs 2032 Sovereign Bonds \| -	8%	₹16 Cr	1,500,000
07.71 MH Sdl 2033 Sovereign Bonds \| -	6%	₹13 Cr	1,250,000
Jamnagar Utilities & Power Private Limited Debentures \| -	5%	₹11 Cr	1,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹5 Cr	50
6.92% Govt Stock 2039 Sovereign Bonds \| -	3%	₹5 Cr	500,000

3. UTI Bond Fund

(Erstwhile UTI - Bond Fund)

The Scheme will retain the flexibility to invest in the entire range of debt and money market instruments. The flexibility is being retained to adjust the portfolio in response to a change in the risk to return equation for asset classes under investment, with a view to maintain risks within manageable limits.

Research Highlights for UTI Bond Fund

Bottom quartile AUM (₹324 Cr).
Established history (27+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 6.51% (upper mid).
1M return: 0.82% (lower mid).
Sharpe: -0.10 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.20% (upper mid).
Modified duration: 5.44 yrs (top quartile).
Average maturity: 9.32 yrs (upper mid).
Exit load: NIL.

Below is the key information for UTI Bond Fund

UTI Bond Fund Growth
Launch Date	4 May 98
NAV (20 Oct 25)	₹74.1972 ↑ 0.01 (0.01 %)
Net Assets (Cr)	₹324 on 31 Aug 25
Category	Debt - Medium to Long term
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.62
Sharpe Ratio	-0.1
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.2%
Effective Maturity	9 Years 3 Months 25 Days
Modified Duration	5 Years 5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹11,096
30 Sep 22	₹12,037
30 Sep 23	₹12,860
30 Sep 24	₹13,989
30 Sep 25	₹14,788

UTI Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148 Invest Now

Returns for UTI 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 20 Oct 25

Duration	Returns
1 Month	0.8%
3 Month	0.6%
6 Month	1.5%
1 Year	6.5%
3 Year	7.3%
5 Year	8.1%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.5%
2023	6.4%
2022	9.9%
2021	9.4%
2020	1.1%
2019	-5.8%
2018	4%
2017	3.6%
2016	13.9%
2015	6.3%

Fund Manager information for UTI Bond Fund

Name	Since	Tenure
Sunil Patil	17 Apr 23	2.38 Yr.

Data below for UTI Bond Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	3.23%
Debt	96.48%
Other	0.29%

Debt Sector Allocation

Sector	Value
Government	63.06%
Corporate	33.42%
Cash Equivalent	3.23%

Credit Quality

Rating	Value
AA	11.42%
AAA	88.58%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Govt Stock 2039 Sovereign Bonds \| -	37%	₹120 Cr	1,190,000,000
LIC Housing Finance Ltd Debentures \| -	8%	₹25 Cr	250
Hdb Financial Services Limited Debentures \| -	8%	₹25 Cr	250
Indian Railway Finance Corporation Limited Debentures \| -	8%	₹25 Cr	2,500
7.08% A P Sgl Mat - 26/03/2037 Sovereign Bonds \| -	8%	₹24 Cr	250,000,000
07.80% Xirr Ptc- Siddhivinayak Securitisation Trust-28/09/2030 Sovereign Bonds \| -	6%	₹20 Cr	20 ↑ 20
Cholamandalam Investment And Finance Company Limited Debentures \| -	5%	₹15 Cr	1,500
Aditya Birla Renewables Limited Debentures \| -	5%	₹15 Cr	1,500
INDIA UNIVERSAL TRUST AL1 Unlisted bonds \| -	4%	₹14 Cr	15
Bajaj Finance Limited Debentures \| -	2%	₹7 Cr	700

4. SBI Magnum Income Fund

To provide the investors an opportunity to earn, in accordance with their requirements, through capital gains or through regular dividends, returns that would be higher than the returns offered by comparable investment avenues through investment in debt & money market securities.

Research Highlights for SBI Magnum Income Fund

Upper mid AUM (₹1,970 Cr).
Established history (26+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderate.
1Y return: 6.48% (upper mid).
1M return: 0.77% (bottom quartile).
Sharpe: -0.12 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.32% (upper mid).
Modified duration: 6.18 yrs (upper mid).
Average maturity: 10.15 yrs (upper mid).
Exit load: 0-1 Years (1%),1 Years and above(NIL).

Below is the key information for SBI Magnum Income Fund

SBI Magnum Income Fund Growth
Launch Date	25 Nov 98
NAV (20 Oct 25)	₹71.5837 ↑ 0.07 (0.09 %)
Net Assets (Cr)	₹1,970 on 31 Aug 25
Category	Debt - Medium to Long term
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.46
Sharpe Ratio	-0.12
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)
Yield to Maturity	7.32%
Effective Maturity	10 Years 1 Month 24 Days
Modified Duration	6 Years 2 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,623
30 Sep 22	₹10,773
30 Sep 23	₹11,583
30 Sep 24	₹12,594
30 Sep 25	₹13,320

SBI Magnum Income Fund SIP Returns

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

Returns for SBI Magnum Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Oct 25

Duration	Returns
1 Month	0.8%
3 Month	0.7%
6 Month	1.7%
1 Year	6.5%
3 Year	7.5%
5 Year	5.8%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.1%
2023	7.2%
2022	3%
2021	3.6%
2020	11.6%
2019	11.7%
2018	4.7%
2017	5.7%
2016	13.4%
2015	6%

Fund Manager information for SBI Magnum Income Fund

Name	Since	Tenure
Mohit Jain	1 Jul 25	0.17 Yr.

Data below for SBI Magnum Income Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	6.73%
Debt	92.99%
Other	0.28%

Debt Sector Allocation

Sector	Value
Government	56.14%
Corporate	31.78%
Cash Equivalent	6.73%
Securitized	5.08%

Credit Quality

Rating	Value
AA	29.89%
AAA	70.11%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Govt Stock 2039 Sovereign Bonds \| -	16%	₹317 Cr	31,500,000
7.24% Govt Stock 2055 Sovereign Bonds \| -	15%	₹301 Cr	30,000,000 ↑ 15,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	12%	₹228 Cr	22,500,000 ↓ -27,000,000
6.33% Govt Stock 2035 Sovereign Bonds \| -	8%	₹163 Cr	16,500,000
Bihar (Government of) 6.9% - \| -	5%	₹97 Cr	10,000,000
Torrent Power Limited Debentures \| -	4%	₹78 Cr	7,500
Renew Solar Energy (Jharkhand Five) Private Limited Debentures \| -	4%	₹72 Cr	7,500
Motilal Oswal Finvest Ltd. Debentures \| -	3%	₹60 Cr	6,000 ↑ 6,000
H.G. Infra Engineering Limited Debentures \| -	3%	₹60 Cr	6,000
Indostar Capital Finance Limited Debentures \| -	3%	₹59 Cr	5,900

5. HDFC Income Fund

Aims to optimise returns while maintaining a balance of safety, yield and liquidity.

Research Highlights for HDFC Income Fund

Lower mid AUM (₹941 Cr).
Established history (25+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderate.
1Y return: 6.24% (lower mid).
1M return: 0.66% (bottom quartile).
Sharpe: -0.22 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.90% (bottom quartile).
Modified duration: 6.51 yrs (bottom quartile).
Average maturity: 12.21 yrs (lower mid).
Exit load: 0-1 Months (0.25%),1 Months and above(NIL).

Below is the key information for HDFC Income Fund

HDFC Income Fund Growth
Launch Date	11 Sep 00
NAV (20 Oct 25)	₹58.7808 ↑ 0.02 (0.04 %)
Net Assets (Cr)	₹941 on 15 Sep 25
Category	Debt - Medium to Long term
AMC	HDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderate
Expense Ratio	1.37
Sharpe Ratio	-0.22
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	6.9%
Effective Maturity	12 Years 2 Months 16 Days
Modified Duration	6 Years 6 Months 4 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,452
30 Sep 22	₹10,413
30 Sep 23	₹11,029
30 Sep 24	₹12,111
30 Sep 25	₹12,769

HDFC Income 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 HDFC Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Oct 25

Duration	Returns
1 Month	0.7%
3 Month	0.3%
6 Month	1.2%
1 Year	6.2%
3 Year	7.3%
5 Year	4.9%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9%
2023	6.1%
2022	0.9%
2021	2.1%
2020	9.3%
2019	8.7%
2018	3.6%
2017	1.3%
2016	14.5%
2015	5.3%

Fund Manager information for HDFC Income Fund

Name	Since	Tenure
Shobhit Mehrotra	11 Sep 07	17.99 Yr.
Dhruv Muchhal	22 Jun 23	2.2 Yr.

Data below for HDFC Income Fund as on 15 Sep 25

Asset Allocation

Asset Class	Value
Cash	9.09%
Equity	0.46%
Debt	90.18%
Other	0.28%

Debt Sector Allocation

Sector	Value
Government	75.32%
Corporate	14.85%
Cash Equivalent	9.09%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2037 Sovereign Bonds \| -	18%	₹168 Cr	16,290,000
6.68% Govt Stock 2040 Sovereign Bonds \| -	12%	₹114 Cr	11,530,000
7.41% Govt Stock 2036 Sovereign Bonds \| -	11%	₹100 Cr	9,500,000
7.23% Govt Stock 2039 Sovereign Bonds \| -	7%	₹67 Cr	6,500,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	4%	₹41 Cr	4,000,000
Ntpc Limited Debentures \| -	3%	₹26 Cr	250
6.99% Govt Stock 2034 Sovereign Bonds \| -	3%	₹26 Cr	2,500,000
6.63% Govt Stock 2031 Sovereign Bonds \| -	3%	₹25 Cr	2,500,000
Bajaj Housing Finance Limited Debentures \| -	3%	₹25 Cr	250
7.09% Govt Stock 2054 Sovereign Bonds \| -	3%	₹25 Cr	2,500,000

6. Aditya Birla Sun Life Income Fund

(Erstwhile Aditya Birla Sun Life Income Plus)

An Open-ended Income Scheme to generate consistent income through superior yields on its investments at moderate levels of risk through a diversified investment approach. This income may be complemented by price changes of instruments in the portfolio.

Research Highlights for Aditya Birla Sun Life Income Fund

Upper mid AUM (₹2,025 Cr).
Oldest track record among peers (30 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.19% (lower mid).
1M return: 1.12% (top quartile).
Sharpe: -0.22 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.37% (top quartile).
Modified duration: 6.62 yrs (bottom quartile).
Average maturity: 14.06 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for Aditya Birla Sun Life Income Fund

Aditya Birla Sun Life Income Fund Growth
Launch Date	21 Oct 95
NAV (20 Oct 25)	₹127.021 ↑ 0.03 (0.02 %)
Net Assets (Cr)	₹2,025 on 31 Aug 25
Category	Debt - Medium to Long term
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.03
Sharpe Ratio	-0.22
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.37%
Effective Maturity	14 Years 22 Days
Modified Duration	6 Years 7 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,691
30 Sep 22	₹10,817
30 Sep 23	₹11,534
30 Sep 24	₹12,591
30 Sep 25	₹13,250

Aditya Birla Sun Life Income Fund SIP Returns

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

Returns for Aditya Birla Sun Life Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Oct 25

Duration	Returns
1 Month	1.1%
3 Month	0.7%
6 Month	1.6%
1 Year	6.2%
3 Year	7.3%
5 Year	5.7%
10 Year
15 Year
Since launch	8.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.4%
2023	6.6%
2022	2.4%
2021	4%
2020	12.8%
2019	9.5%
2018	5.1%
2017	2.8%
2016	14.4%
2015	4.6%

Fund Manager information for Aditya Birla Sun Life Income Fund

Name	Since	Tenure
Bhupesh Bameta	6 Aug 20	5.07 Yr.

Data below for Aditya Birla Sun Life Income Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	7.71%
Debt	91.98%
Other	0.31%

Debt Sector Allocation

Sector	Value
Government	64.31%
Corporate	26.91%
Cash Equivalent	7.23%
Securitized	1.23%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	17%	₹349 Cr	34,659,900 ↑ 2,000,000
Power Grid Corporation Of India Limited Debentures \| -	5%	₹99 Cr	10,000
7.25% Govt Stock 2063 Sovereign Bonds \| -	5%	₹98 Cr	9,906,100 ↓ -2,500,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	4%	₹78 Cr	7,500,000 ↑ 5,000,000
Tata Capital Housing Finance Limited Debentures \| -	4%	₹75 Cr	7,500
Housing And Urban Development Corporation Limited Debentures \| -	4%	₹74 Cr	7,500
Maharashtra (Government of) - \| -	3%	₹64 Cr	6,500,000
Maharashtra (Government of) - \| -	3%	₹56 Cr	5,729,200
Bajaj Finance Limited Debentures \| -	3%	₹51 Cr	5,000
Tata Capital Housing Finance Limited Debentures \| -	2%	₹51 Cr	5,000

7. Kotak Bond Fund

(Erstwhile Kotak Bond Regular Plan Growth)

To create a portfolio of debt and money market instruments of different maturities so as to spread the risk across a wide maturity horizon & different kinds of issuers in the debt market. However, there is no assurance that the objective of the scheme will be realized

Research Highlights for Kotak Bond Fund

Top quartile AUM (₹2,061 Cr).
Established history (25+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderate.
1Y return: 6.13% (bottom quartile).
1M return: 1.00% (upper mid).
Sharpe: -0.34 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.96% (lower mid).
Modified duration: 6.68 yrs (bottom quartile).
Average maturity: 13.30 yrs (lower mid).
Exit load: 0-3 Months (0.2%),3 Months and above(NIL).

Below is the key information for Kotak Bond Fund

Kotak Bond Fund Growth
Launch Date	25 Nov 99
NAV (20 Oct 25)	₹77.6751 ↑ 0.02 (0.02 %)
Net Assets (Cr)	₹2,061 on 31 Aug 25
Category	Debt - Medium to Long term
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆
Risk	Moderate
Expense Ratio	1.65
Sharpe Ratio	-0.34
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-3 Months (0.2%),3 Months and above(NIL)
Yield to Maturity	6.96%
Effective Maturity	13 Years 3 Months 18 Days
Modified Duration	6 Years 8 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,587
30 Sep 22	₹10,644
30 Sep 23	₹11,311
30 Sep 24	₹12,374
30 Sep 25	₹13,004

Kotak Bond Fund SIP Returns

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

Returns for Kotak 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 20 Oct 25

Duration	Returns
1 Month	1%
3 Month	0.5%
6 Month	1.6%
1 Year	6.1%
3 Year	7.2%
5 Year	5.4%
10 Year
15 Year
Since launch	8.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.2%
2023	6.8%
2022	1.7%
2021	2.4%
2020	12.3%
2019	10.3%
2018	5.2%
2017	0.9%
2016	14.3%
2015	4.6%

Fund Manager information for Kotak Bond Fund

Name	Since	Tenure
Abhishek Bisen	15 Apr 08	17.39 Yr.

Data below for Kotak Bond Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	9.46%
Equity	0.36%
Debt	89.89%
Other	0.28%

Debt Sector Allocation

Sector	Value
Government	61.28%
Corporate	21.4%
Cash Equivalent	9.46%
Securitized	7.22%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.09% Govt Stock 2054 Sovereign Bonds \| -	14%	₹298 Cr	30,250,000 ↑ 12,000,000
6.33% Govt Stock 2035 Sovereign Bonds \| -	10%	₹199 Cr	20,105,260 ↓ -5,000,000
6.28% Govt Stock 2032 Sovereign Bonds \| -	9%	₹178 Cr	18,000,000 ↓ -7,000,000
National Housing Bank Debentures \| -	8%	₹172 Cr	17,500
7.34% Govt Stock 2064 Sovereign Bonds \| -	5%	₹109 Cr	10,799,600
6.68% Govt Stock 2040 Sovereign Bonds \| -	5%	₹99 Cr	10,000,000 ↓ -3,500,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	5%	₹94 Cr	9,329,820
Bihar State Govt - 2036 - Bihar 0.0752 Sovereign Bonds \| -	4%	₹81 Cr	8,000,000 ↑ 8,000,000
Ptc Shivshakti Securitisation Trust 28/09/2029(Shivshakti Trust)** So Unlisted bonds \| -	4%	₹75 Cr	75 ↑ 75
Ptc Siddhivinayak Securitisation Trust 28/09/2030(Siddhivinayak Trust)** So Unlisted bonds \| -	4%	₹75 Cr	75 ↑ 75

8. Nippon India Income Fund

The primary investment objective of the scheme is to generate optimal returns consistent with moderate levels of risk. This income may be complemented by capital appreciation of the portfolio. Accordingly, investments shall predominantly be made in Debt & Money Market Instruments.

Research Highlights for Nippon India Income Fund

Lower mid AUM (₹426 Cr).
Established history (27+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.56% (bottom quartile).
1M return: 1.06% (upper mid).
Sharpe: -0.49 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.95% (bottom quartile).
Modified duration: 6.38 yrs (lower mid).
Average maturity: 14.58 yrs (bottom quartile).
Exit load: 0-15 Days (0.25%),15 Days and above(NIL).

Below is the key information for Nippon India Income Fund

Nippon India Income Fund Growth
Launch Date	1 Jan 98
NAV (20 Oct 25)	₹90.3922 ↑ 0.06 (0.06 %)
Net Assets (Cr)	₹426 on 31 Aug 25
Category	Debt - Medium to Long term
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Moderate
Expense Ratio	1.51
Sharpe Ratio	-0.49
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-15 Days (0.25%),15 Days and above(NIL)
Yield to Maturity	6.95%
Effective Maturity	14 Years 6 Months 29 Days
Modified Duration	6 Years 4 Months 17 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,418
30 Sep 22	₹10,547
30 Sep 23	₹11,265
30 Sep 24	₹12,313
30 Sep 25	₹12,871

Nippon India Income Fund SIP Returns

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

Returns for Nippon India Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Oct 25

Duration	Returns
1 Month	1.1%
3 Month	0.3%
6 Month	1.1%
1 Year	5.6%
3 Year	7.1%
5 Year	5.1%
10 Year
15 Year
Since launch	8.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.1%
2023	6.8%
2022	3.3%
2021	1.2%
2020	10.5%
2019	11.4%
2018	6.1%
2017	2.4%
2016	13.8%
2015	5.1%

Fund Manager information for Nippon India Income Fund

Name	Since	Tenure
Vivek Sharma	1 Feb 20	5.58 Yr.
Kinjal Desai	25 May 18	7.27 Yr.

Data below for Nippon India Income Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	8.63%
Debt	91.09%
Other	0.28%

Debt Sector Allocation

Sector	Value
Government	79.12%
Corporate	11.97%
Cash Equivalent	8.63%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.09% Govt Stock 2054 Sovereign Bonds \| -	23%	₹98 Cr	10,000,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	19%	₹81 Cr	8,000,000
7.12% State Government Of Maharashtra 2036 Sovereign Bonds \| -	9%	₹39 Cr	4,000,000
07.93 Up SDL 2030 Sovereign Bonds \| -	6%	₹26 Cr	2,500,000 ↑ 2,500,000
7.1% Govt Stock 2029 Sovereign Bonds \| -	6%	₹26 Cr	2,500,000
Small Industries Development Bank Of India Debentures \| -	6%	₹25 Cr	2,500
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹25 Cr	2,500
6.95% State Government Securities Sovereign Bonds \| -	6%	₹25 Cr	2,500,000
Power Finance Corporation Limited Debentures \| -	2%	₹10 Cr	100
6.79% Govt Stock 2034 Sovereign Bonds \| -	2%	₹10 Cr	1,000,000

9. Canara Robeco Income Fund

(Erstwhile Canara Robeco Income)

To generate income through investment in debt and money market securities of different maturity and issuers of different risk profiles. However, there can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for Canara Robeco Income Fund

Bottom quartile AUM (₹123 Cr).
Established history (23+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 5.12% (bottom quartile).
1M return: 0.51% (bottom quartile).
Sharpe: -0.56 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.77% (bottom quartile).
Modified duration: 4.14 yrs (top quartile).
Average maturity: 8.29 yrs (top quartile).
Exit load: 0-12 Months (1%),12 Months and above(NIL).

Below is the key information for Canara Robeco Income Fund

Canara Robeco Income Fund Growth
Launch Date	19 Sep 02
NAV (20 Oct 25)	₹55.8397 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹123 on 31 Aug 25
Category	Debt - Medium to Long term
AMC	Canara Robeco Asset Management Co. Ltd.
Rating	Not Rated
Risk	Moderate
Expense Ratio	1.85
Sharpe Ratio	-0.56
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	6.77%
Effective Maturity	8 Years 3 Months 13 Days
Modified Duration	4 Years 1 Month 19 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,442
30 Sep 22	₹10,442
30 Sep 23	₹11,031
30 Sep 24	₹11,973
30 Sep 25	₹12,517

Canara Robeco Income 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 Canara Robeco Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Oct 25

Duration	Returns
1 Month	0.5%
3 Month	0.4%
6 Month	1.1%
1 Year	5.1%
3 Year	6.3%
5 Year	4.4%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.6%
2023	5.6%
2022	1.6%
2021	1.9%
2020	10.1%
2019	10.3%
2018	5.2%
2017	3.5%
2016	12.7%
2015	5.6%

Fund Manager information for Canara Robeco Income Fund

Name	Since	Tenure
Avnish Jain	25 Jun 14	11.19 Yr.
Kunal Jain	18 Jul 22	3.12 Yr.

Data below for Canara Robeco Income Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	6.42%
Debt	93.29%
Other	0.29%

Debt Sector Allocation

Sector	Value
Government	85.14%
Corporate	8.15%
Cash Equivalent	6.42%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.99% Govt Stock 2034 Sovereign Bonds \| -	21%	₹26 Cr	2,500,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	12%	₹15 Cr	1,500,000 ↑ 500,000
6.68% Govt Stock 2040 Sovereign Bonds \| -	12%	₹15 Cr	1,500,000
07.73 GJ Sdl 2029 Sovereign Bonds \| -	8%	₹10 Cr	1,000,000
07.02 KL Sdl 2028 Sovereign Bonds \| -	8%	₹10 Cr	1,000,000
Bajaj Finance Limited Debentures \| -	8%	₹10 Cr	1,000
6.33% Govt Stock 2035 Sovereign Bonds \| -	8%	₹10 Cr	1,000,000 ↓ -1,000,000
6.63% Govt Stock 2031 Sovereign Bonds \| -	4%	₹5 Cr	500,000
06.53 Tn SDL 2031 Sovereign Bonds \| -	4%	₹5 Cr	500,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	2%	₹3 Cr	250,000 ↓ -250,000

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