മികച്ച ഇടത്തരം മുതൽ ദീർഘകാല ഫണ്ടുകൾ 2022

Updated on June 23, 2026 , 2667 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 (%)	2025 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
ICICI Prudential Bond Fund Growth	3	2.7	4.4	7.1	6.7	7.85%	6Y 5M 19D	15Y 2M 16D
SBI Magnum Income Fund Growth	2.5	2.5	3.9	6.4	5.9	7.92%	4Y 1M 17D	8Y 3M
Nippon India Income Fund Growth	2.8	2.8	3.8	6.1	4.9	7.41%	6Y 5M 5D	14Y 7D
Kotak Bond Fund Growth	3.1	2.7	3.7	6.4	5.4	7.59%	4Y 7M 20D	8Y 2M 5D
LIC MF Bond Fund Growth	2.8	2.8	3.6	6.6	6.1	7.49%	5Y 3M 14D	10Y 8M 5D
HDFC Income Fund Growth	2.9	2.6	3.5	6.5	5.5	7.34%	6Y 5M 8D	13Y 1M 28D
Aditya Birla Sun Life Income Fund Growth	2.8	2.2	3.3	6.1	5.1	7.74%	6Y 5M 19D	15Y 1M 20D
UTI Bond Fund Growth	2.2	2.1	3.2	6.1	5.6	8.09%	4Y 6M 11D	7Y 10M 2D
Canara Robeco Income Fund Growth	1.8	1.9	2.7	5.4	4.3	6.88%	3Y 11M 21D	8Y 4M 1D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 25 Jun 26

Research Highlights & Commentary of 9 Funds showcased

Commentary	ICICI Prudential Bond Fund	SBI Magnum Income Fund	Nippon India Income Fund	Kotak Bond Fund	LIC MF Bond Fund	HDFC Income Fund	Aditya Birla Sun Life Income Fund	UTI Bond Fund	Canara Robeco Income Fund
Point 1	Highest AUM (₹2,628 Cr).	Top quartile AUM (₹2,020 Cr).	Lower mid AUM (₹357 Cr).	Upper mid AUM (₹1,811 Cr).	Bottom quartile AUM (₹184 Cr).	Lower mid AUM (₹817 Cr).	Upper mid AUM (₹1,752 Cr).	Bottom quartile AUM (₹301 Cr).	Bottom quartile AUM (₹111 Cr).
Point 2	Established history (17+ yrs).	Established history (27+ yrs).	Established history (28+ yrs).	Established history (26+ yrs).	Established history (26+ yrs).	Established history (25+ yrs).	Oldest track record among peers (30 yrs).	Established history (28+ yrs).	Established history (23+ yrs).
Point 3	Rating: 3★ (upper mid).	Top rated.	Rating: 2★ (lower mid).	Rating: 2★ (lower mid).	Not Rated.	Rating: 2★ (bottom quartile).	Rating: 3★ (upper mid).	Rating: 4★ (top 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: 4.39% (top quartile).	1Y return: 3.89% (top quartile).	1Y return: 3.75% (upper mid).	1Y return: 3.66% (upper mid).	1Y return: 3.60% (lower mid).	1Y return: 3.50% (lower mid).	1Y return: 3.32% (bottom quartile).	1Y return: 3.16% (bottom quartile).	1Y return: 2.75% (bottom quartile).
Point 6	1M return: 2.30% (upper mid).	1M return: 2.05% (bottom quartile).	1M return: 2.15% (lower mid).	1M return: 2.55% (top quartile).	1M return: 2.18% (lower mid).	1M return: 2.39% (top quartile).	1M return: 2.39% (upper mid).	1M return: 1.74% (bottom quartile).	1M return: 1.61% (bottom quartile).
Point 7	Sharpe: -1.43 (top quartile).	Sharpe: -1.74 (lower mid).	Sharpe: -1.67 (upper mid).	Sharpe: -1.63 (upper mid).	Sharpe: -1.68 (lower mid).	Sharpe: -1.62 (top quartile).	Sharpe: -1.86 (bottom quartile).	Sharpe: -1.84 (bottom quartile).	Sharpe: -2.50 (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): 7.85% (upper mid).	Yield to maturity (debt): 7.92% (top quartile).	Yield to maturity (debt): 7.41% (bottom quartile).	Yield to maturity (debt): 7.59% (lower mid).	Yield to maturity (debt): 7.49% (lower mid).	Yield to maturity (debt): 7.34% (bottom quartile).	Yield to maturity (debt): 7.74% (upper mid).	Yield to maturity (debt): 8.09% (top quartile).	Yield to maturity (debt): 6.88% (bottom quartile).
Point 10	Modified duration: 6.47 yrs (bottom quartile).	Modified duration: 4.13 yrs (top quartile).	Modified duration: 6.43 yrs (lower mid).	Modified duration: 4.64 yrs (upper mid).	Modified duration: 5.29 yrs (lower mid).	Modified duration: 6.44 yrs (bottom quartile).	Modified duration: 6.47 yrs (bottom quartile).	Modified duration: 4.53 yrs (upper mid).	Modified duration: 3.97 yrs (top quartile).

ICICI Prudential Bond Fund

Highest AUM (₹2,628 Cr).
Established history (17+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 4.39% (top quartile).
1M return: 2.30% (upper mid).
Sharpe: -1.43 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.85% (upper mid).
Modified duration: 6.47 yrs (bottom quartile).

SBI Magnum Income Fund

Top quartile AUM (₹2,020 Cr).
Established history (27+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 3.89% (top quartile).
1M return: 2.05% (bottom quartile).
Sharpe: -1.74 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.92% (top quartile).
Modified duration: 4.13 yrs (top quartile).

Nippon India Income Fund

Lower mid AUM (₹357 Cr).
Established history (28+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderate.
1Y return: 3.75% (upper mid).
1M return: 2.15% (lower mid).
Sharpe: -1.67 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.41% (bottom quartile).
Modified duration: 6.43 yrs (lower mid).

Kotak Bond Fund

Upper mid AUM (₹1,811 Cr).
Established history (26+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderate.
1Y return: 3.66% (upper mid).
1M return: 2.55% (top quartile).
Sharpe: -1.63 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.59% (lower mid).
Modified duration: 4.64 yrs (upper mid).

LIC MF Bond Fund

Bottom quartile AUM (₹184 Cr).
Established history (26+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 3.60% (lower mid).
1M return: 2.18% (lower mid).
Sharpe: -1.68 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.49% (lower mid).
Modified duration: 5.29 yrs (lower mid).

HDFC Income Fund

Lower mid AUM (₹817 Cr).
Established history (25+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 3.50% (lower mid).
1M return: 2.39% (top quartile).
Sharpe: -1.62 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.34% (bottom quartile).
Modified duration: 6.44 yrs (bottom quartile).

Aditya Birla Sun Life Income Fund

Upper mid AUM (₹1,752 Cr).
Oldest track record among peers (30 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 3.32% (bottom quartile).
1M return: 2.39% (upper mid).
Sharpe: -1.86 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.74% (upper mid).
Modified duration: 6.47 yrs (bottom quartile).

UTI Bond Fund

Bottom quartile AUM (₹301 Cr).
Established history (28+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderate.
1Y return: 3.16% (bottom quartile).
1M return: 1.74% (bottom quartile).
Sharpe: -1.84 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.09% (top quartile).
Modified duration: 4.53 yrs (upper mid).

Canara Robeco Income Fund

Bottom quartile AUM (₹111 Cr).
Established history (23+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 2.75% (bottom quartile).
1M return: 1.61% (bottom quartile).
Sharpe: -2.50 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.88% (bottom quartile).
Modified duration: 3.97 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 (₹2,628 Cr).
Established history (17+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 4.39% (top quartile).
1M return: 2.30% (upper mid).
Sharpe: -1.43 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.85% (upper mid).
Modified duration: 6.47 yrs (bottom quartile).
Average maturity: 15.21 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 (25 Jun 26)	₹42.0904 ↑ 0.10 (0.25 %)
Net Assets (Cr)	₹2,628 on 31 May 26
Category	Debt - Medium to Long term
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.03
Sharpe Ratio	-1.43
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	7.85%
Effective Maturity	15 Years 2 Months 16 Days
Modified Duration	6 Years 5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value

ICICI Prudential 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 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 25 Jun 26

Duration	Returns
1 Month	2.3%
3 Month	3%
6 Month	2.7%
1 Year	4.4%
3 Year	7.1%
5 Year	6.1%
10 Year
15 Year
Since launch	8.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.7%
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%

Fund Manager information for ICICI Prudential Bond Fund

Name	Since	Tenure

Data below for ICICI Prudential Bond Fund as on 31 May 26

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

2. 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

Top quartile AUM (₹2,020 Cr).
Established history (27+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 3.89% (top quartile).
1M return: 2.05% (bottom quartile).
Sharpe: -1.74 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.92% (top quartile).
Modified duration: 4.13 yrs (top quartile).
Average maturity: 8.25 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 (25 Jun 26)	₹73.5171 ↑ 0.20 (0.28 %)
Net Assets (Cr)	₹2,020 on 31 May 26
Category	Debt - Medium to Long term
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.46
Sharpe Ratio	-1.75
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	7.92%
Effective Maturity	8 Years 3 Months
Modified Duration	4 Years 1 Month 17 Days

Growth of 10,000 investment over the years.

Date	Value

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 25 Jun 26

Duration	Returns
1 Month	2%
3 Month	2.5%
6 Month	2.5%
1 Year	3.9%
3 Year	6.4%
5 Year	5.7%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	5.9%
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%

Fund Manager information for SBI Magnum Income Fund

Name	Since	Tenure

Data below for SBI Magnum Income Fund as on 31 May 26

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

3. 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 (₹357 Cr).
Established history (28+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderate.
1Y return: 3.75% (upper mid).
1M return: 2.15% (lower mid).
Sharpe: -1.67 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.41% (bottom quartile).
Modified duration: 6.43 yrs (lower mid).
Average maturity: 14.02 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 (25 Jun 26)	₹92.7983 ↑ 0.30 (0.33 %)
Net Assets (Cr)	₹357 on 31 May 26
Category	Debt - Medium to Long term
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Moderate
Expense Ratio	1.51
Sharpe Ratio	-1.67
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	7.41%
Effective Maturity	14 Years 7 Days
Modified Duration	6 Years 5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value

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 25 Jun 26

Duration	Returns
1 Month	2.2%
3 Month	2.8%
6 Month	2.8%
1 Year	3.8%
3 Year	6.1%
5 Year	5.5%
10 Year
15 Year
Since launch	8.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	4.9%
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%

Fund Manager information for Nippon India Income Fund

Name	Since	Tenure

Data below for Nippon India Income Fund as on 31 May 26

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

4. 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

Upper mid AUM (₹1,811 Cr).
Established history (26+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderate.
1Y return: 3.66% (upper mid).
1M return: 2.55% (top quartile).
Sharpe: -1.63 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.59% (lower mid).
Modified duration: 4.64 yrs (upper mid).
Average maturity: 8.18 yrs (top quartile).
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 (25 Jun 26)	₹79.698 ↑ 0.17 (0.22 %)
Net Assets (Cr)	₹1,811 on 31 May 26
Category	Debt - Medium to Long term
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆
Risk	Moderate
Expense Ratio	1.65
Sharpe Ratio	-1.63
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	7.59%
Effective Maturity	8 Years 2 Months 5 Days
Modified Duration	4 Years 7 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value

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 25 Jun 26

Duration	Returns
1 Month	2.6%
3 Month	3.1%
6 Month	2.7%
1 Year	3.7%
3 Year	6.4%
5 Year	5.4%
10 Year
15 Year
Since launch	8.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	5.4%
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%

Fund Manager information for Kotak Bond Fund

Name	Since	Tenure

Data below for Kotak Bond Fund as on 31 May 26

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

5. 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 (₹184 Cr).
Established history (26+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 3.60% (lower mid).
1M return: 2.18% (lower mid).
Sharpe: -1.68 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.49% (lower mid).
Modified duration: 5.29 yrs (lower mid).
Average maturity: 10.68 yrs (lower mid).
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 (25 Jun 26)	₹75.3857 ↑ 0.18 (0.24 %)
Net Assets (Cr)	₹184 on 31 May 26
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	-1.68
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	7.49%
Effective Maturity	10 Years 8 Months 5 Days
Modified Duration	5 Years 3 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value

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 25 Jun 26

Duration	Returns
1 Month	2.2%
3 Month	2.8%
6 Month	2.8%
1 Year	3.6%
3 Year	6.6%
5 Year	5.6%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.1%
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%

Fund Manager information for LIC MF Bond Fund

Name	Since	Tenure

Data below for LIC MF Bond Fund as on 31 May 26

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

6. 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 (₹817 Cr).
Established history (25+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 3.50% (lower mid).
1M return: 2.39% (top quartile).
Sharpe: -1.62 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.34% (bottom quartile).
Modified duration: 6.44 yrs (bottom quartile).
Average maturity: 13.16 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 (25 Jun 26)	₹60.3785 ↑ 0.17 (0.28 %)
Net Assets (Cr)	₹817 on 31 May 26
Category	Debt - Medium to Long term
AMC	HDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderate
Expense Ratio	1.37
Sharpe Ratio	-1.62
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	7.34%
Effective Maturity	13 Years 1 Month 28 Days
Modified Duration	6 Years 5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value

HDFC 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 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 25 Jun 26

Duration	Returns
1 Month	2.4%
3 Month	2.9%
6 Month	2.6%
1 Year	3.5%
3 Year	6.5%
5 Year	5.1%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	5.5%
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%

Fund Manager information for HDFC Income Fund

Name	Since	Tenure

Data below for HDFC Income Fund as on 31 May 26

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

7. 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 (₹1,752 Cr).
Oldest track record among peers (30 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 3.32% (bottom quartile).
1M return: 2.39% (upper mid).
Sharpe: -1.86 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.74% (upper mid).
Modified duration: 6.47 yrs (bottom quartile).
Average maturity: 15.14 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 (25 Jun 26)	₹129.607 ↑ 0.31 (0.24 %)
Net Assets (Cr)	₹1,752 on 31 May 26
Category	Debt - Medium to Long term
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.03
Sharpe Ratio	-1.86
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.74%
Effective Maturity	15 Years 1 Month 20 Days
Modified Duration	6 Years 5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value

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 25 Jun 26

Duration	Returns
1 Month	2.4%
3 Month	2.8%
6 Month	2.2%
1 Year	3.3%
3 Year	6.1%
5 Year	5.5%
10 Year
15 Year
Since launch	8.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	5.1%
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%

Fund Manager information for Aditya Birla Sun Life Income Fund

Name	Since	Tenure

Data below for Aditya Birla Sun Life Income Fund as on 31 May 26

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

8. 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 (₹301 Cr).
Established history (28+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderate.
1Y return: 3.16% (bottom quartile).
1M return: 1.74% (bottom quartile).
Sharpe: -1.84 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.09% (top quartile).
Modified duration: 4.53 yrs (upper mid).
Average maturity: 7.84 yrs (top quartile).
Exit load: NIL.

Below is the key information for UTI Bond Fund

UTI Bond Fund Growth
Launch Date	4 May 98
NAV (25 Jun 26)	₹75.8067 ↑ 0.14 (0.19 %)
Net Assets (Cr)	₹301 on 31 May 26
Category	Debt - Medium to Long term
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.62
Sharpe Ratio	-1.84
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	8.09%
Effective Maturity	7 Years 10 Months 2 Days
Modified Duration	4 Years 6 Months 11 Days

Growth of 10,000 investment over the years.

Date	Value

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 25 Jun 26

Duration	Returns
1 Month	1.7%
3 Month	2.2%
6 Month	2.1%
1 Year	3.2%
3 Year	6.1%
5 Year	8.3%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	5.6%
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%

Fund Manager information for UTI Bond Fund

Name	Since	Tenure

Data below for UTI Bond Fund as on 31 May 26

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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 (₹111 Cr).
Established history (23+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 2.75% (bottom quartile).
1M return: 1.61% (bottom quartile).
Sharpe: -2.50 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.88% (bottom quartile).
Modified duration: 3.97 yrs (top quartile).
Average maturity: 8.34 yrs (upper mid).
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 (25 Jun 26)	₹56.848 ↑ 0.06 (0.10 %)
Net Assets (Cr)	₹111 on 31 May 26
Category	Debt - Medium to Long term
AMC	Canara Robeco Asset Management Co. Ltd.
Rating	Not Rated
Risk	Moderate
Expense Ratio	1.85
Sharpe Ratio	-2.5
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	6.88%
Effective Maturity	8 Years 4 Months 1 Day
Modified Duration	3 Years 11 Months 21 Days

Growth of 10,000 investment over the years.

Date	Value

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 25 Jun 26

Duration	Returns
1 Month	1.6%
3 Month	1.8%
6 Month	1.9%
1 Year	2.7%
3 Year	5.4%
5 Year	4.5%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	4.3%
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%

Fund Manager information for Canara Robeco Income Fund

Name	Since	Tenure

Data below for Canara Robeco Income Fund as on 31 May 26

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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