2022-ലെ മികച്ച 10 മ്യൂച്വൽ ഫണ്ടുകൾ

Updated on October 17, 2025 , 43871 views

2022-ൽ നിക്ഷേപിക്കാൻ ഏറ്റവും മികച്ച മ്യൂച്വൽ ഫണ്ടിനായി തിരയുകയാണോ? അതേസമയംനിക്ഷേപിക്കുന്നു ഇൻമ്യൂച്വൽ ഫണ്ടുകൾ, സ്ഥിരമായ വരുമാനം നൽകുന്ന ഒരു ഫണ്ട് തിരഞ്ഞെടുക്കുന്നതിൽ നിക്ഷേപകർക്ക് പലപ്പോഴും ബുദ്ധിമുട്ട് അനുഭവപ്പെടുന്നു.

എല്ലാ പ്രശ്‌നങ്ങളും പരിഹരിക്കുന്നതിന്, നിങ്ങൾക്ക് നിക്ഷേപിക്കാൻ താൽപ്പര്യമുള്ള മികച്ച 10 മ്യൂച്വൽ ഫണ്ട് സ്കീമുകളുടെ ലിസ്റ്റ് ഞങ്ങൾ തയ്യാറാക്കിയിട്ടുണ്ട്. AUM പോലുള്ള ചില പാരാമീറ്ററുകൾ ഏറ്റെടുത്ത് ഈ ഫണ്ടുകൾ ഷോർട്ട്‌ലിസ്റ്റ് ചെയ്തിട്ടുണ്ട്,അല്ല, മുൻകാല പ്രകടനങ്ങൾ, ശരാശരി വരുമാനം മുതലായവ. നിങ്ങൾക്ക് ഈ സ്കീമുകളിൽ രണ്ട് തരത്തിൽ നിക്ഷേപിക്കാം- ഒന്നുകിൽഎസ്.ഐ.പി റൂട്ട് അല്ലെങ്കിൽ ഒരു മൊത്തത്തിലുള്ള വഴി.

ഒരു ഒറ്റത്തവണ ഡൗൺ പേയ്‌മെന്റായി നിക്ഷേപകർക്ക് ഗണ്യമായ തുക നിക്ഷേപിക്കാനാകും, അതേസമയം ഒരു എസ്‌ഐപി മോഡിൽ, നിക്ഷേപകർക്ക് പ്രതിമാസം, ത്രൈമാസിക, വാർഷികം എന്നിങ്ങനെ കൃത്യമായ ഇടവേളകളിൽ നിക്ഷേപിക്കാം. ഒരു മൊത്തത്തിലുള്ള ഏറ്റവും കുറഞ്ഞ നിക്ഷേപ തുകപരിധി 1000-5000 രൂപ മുതൽ, ഒരു എസ്‌ഐപിയിൽ നിങ്ങൾക്ക് വെറും 500 രൂപ ഉപയോഗിച്ച് നിക്ഷേപം ആരംഭിക്കാം.

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നിങ്ങൾ എന്തിന് മ്യൂച്വൽ ഫണ്ടുകളിൽ നിക്ഷേപിക്കണം?

നിങ്ങൾക്ക് കഴിയുംമ്യൂച്വൽ ഫണ്ടുകളിൽ നിക്ഷേപിക്കുക നിങ്ങളുടെ പ്രകാരംറിസ്ക് വിശപ്പ്. എല്ലാത്തരം അപകടസാധ്യതയുള്ളവർക്കുമായി ഒരു കൂട്ടം സ്കീമുകൾ ഉണ്ട്. യാഥാസ്ഥിതിക നിക്ഷേപകർ മുതൽ ഉയർന്ന അപകടസാധ്യതയുള്ള നിക്ഷേപകർ വരെ, എല്ലാവർക്കും മ്യൂച്വൽ ഫണ്ട് സ്കീമുകളിൽ നിക്ഷേപിക്കാം
മ്യൂച്വൽ ഫണ്ടുകൾ നിങ്ങൾക്ക് ധാരാളം നികുതി ആനുകൂല്യങ്ങൾ നൽകുന്നു
മ്യൂച്വൽ ഫണ്ടുകൾക്ക് നിങ്ങൾക്ക് മികച്ച റിട്ടേൺ നൽകാനും കഴിയുംപണമൊഴുക്ക് FD-കൾ പോലെയുള്ള മറ്റേതൊരു പരമ്പരാഗത നിക്ഷേപ ഓപ്ഷനുകളേക്കാളും.
മ്യൂച്വൽ ഫണ്ടുകളിൽ നിക്ഷേപിക്കുന്നതിലൂടെ നിങ്ങൾക്ക് ശരിയായ അളവിൽ വൈവിധ്യവൽക്കരണം നേടാനാകും. നിങ്ങളുടെ പോർട്ട്‌ഫോളിയോയിൽ നിങ്ങൾക്ക് വിവിധ സ്കീമുകളുടെ എണ്ണം സൂക്ഷിക്കാം
മ്യൂച്വൽ ഫണ്ടുകൾ താങ്ങാനാവുന്നവയാണ്. ഒരു എസ്‌ഐ‌പി വഴി 500 രൂപയിൽ താഴെയുള്ള തുകയിൽ ഒരാൾക്ക് അവരുടെ നിക്ഷേപം ആരംഭിക്കാം
നിങ്ങൾ നിക്ഷേപിക്കുന്ന പണം ഒരു വിദഗ്‌ദ്ധ സംഘമാണ് കൈകാര്യം ചെയ്യുന്നത്. അവർക്ക് തത്സമയ ആക്സസ് ഉണ്ട്വിപണി ഏറ്റവും ചെലവ് കുറഞ്ഞ സ്കെയിലിൽ ട്രേഡുകൾ നടത്താനും അവർക്ക് കഴിയും
നിങ്ങളുടെ മ്യൂച്വൽ ഫണ്ട് നിക്ഷേപങ്ങൾ സുരക്ഷിതമായ കൈകളിലാണ്. എല്ലാ മ്യൂച്വൽ ഫണ്ടുകളും നിയന്ത്രിക്കുന്നത്സെബി (സെക്യൂരിറ്റീസ് ആൻഡ് എക്സ്ചേഞ്ച് ബോർഡ് ഓഫ് ഇന്ത്യ), അതിനാൽ നിങ്ങൾ നിക്ഷേപിക്കുന്ന എല്ലാ ഫണ്ടുകളും സുതാര്യമായ രീതിയിൽ പ്രവർത്തിക്കുകയും സുരക്ഷിതമാക്കുകയും ചെയ്യുന്നു.

2022-ൽ നിക്ഷേപിക്കാനുള്ള മികച്ച 10 മ്യൂച്വൽ ഫണ്ടുകൾ

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
DSP US Flexible Equity Fund Growth	₹70.5012 ↓ -0.30	₹1,000	11.7	40.7	26.2	22.6	17.3	17.8
Franklin Asian Equity Fund Growth	₹34.1032 ↓ -0.25	₹260	10.8	27.2	16.3	15.8	4.7	14.4
ICICI Prudential Banking and Financial Services Fund Growth	₹137.72 ↑ 0.73	₹9,688	1.5	7.5	12	17.3	21.6	11.6
Aditya Birla Sun Life Banking And Financial Services Fund Growth	₹62.7 ↑ 0.28	₹3,374	1.4	7.2	10.7	17	21.8	8.7
Axis Credit Risk Fund Growth	₹21.972 ↑ 0.00	₹366	2	4.2	8.8	8	6.8	8
PGIM India Credit Risk Fund Growth	₹15.5876 ↑ 0.00	₹39	0.6	4.4	8.4	3	4.2
Invesco India Growth Opportunities Fund Growth	₹104.04 ↓ -0.47	₹8,125	1.8	16.1	8.4	26.3	23.9	37.5
UTI Banking & PSU Debt Fund Growth	₹22.4027 ↑ 0.00	₹813	1.4	3.6	8	7.7	7	7.6
ICICI Prudential Long Term Plan Growth	₹37.6551 ↓ -0.02	₹14,905	1.1	2.8	8	8	6.6	8.2
Aditya Birla Sun Life Corporate Bond Fund Growth	₹115.198 ↑ 0.02	₹28,109	1.3	3	7.9	8	6.4	8.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 16 Oct 25

Research Highlights & Commentary of 10 Funds showcased

Commentary	DSP US Flexible Equity Fund	Franklin Asian Equity Fund	ICICI Prudential Banking and Financial Services Fund	Aditya Birla Sun Life Banking And Financial Services Fund	Axis Credit Risk Fund	PGIM India Credit Risk Fund	Invesco India Growth Opportunities Fund	UTI Banking & PSU Debt Fund	ICICI Prudential Long Term Plan	Aditya Birla Sun Life Corporate Bond Fund
Point 1	Lower mid AUM (₹1,000 Cr).	Bottom quartile AUM (₹260 Cr).	Upper mid AUM (₹9,688 Cr).	Upper mid AUM (₹3,374 Cr).	Bottom quartile AUM (₹366 Cr).	Bottom quartile AUM (₹39 Cr).	Upper mid AUM (₹8,125 Cr).	Lower mid AUM (₹813 Cr).	Top quartile AUM (₹14,905 Cr).	Highest AUM (₹28,109 Cr).
Point 2	Established history (13+ yrs).	Established history (17+ yrs).	Established history (17+ yrs).	Established history (11+ yrs).	Established history (11+ yrs).	Established history (11+ yrs).	Established history (18+ yrs).	Established history (11+ yrs).	Established history (15+ yrs).	Oldest track record among peers (28 yrs).
Point 3	Top rated.	Rating: 5★ (top quartile).	Rating: 5★ (upper mid).	Rating: 5★ (upper mid).	Rating: 5★ (upper mid).	Rating: 5★ (lower mid).	Rating: 5★ (lower mid).	Rating: 5★ (bottom quartile).	Rating: 5★ (bottom quartile).	Rating: 5★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	5Y return: 17.33% (upper mid).	5Y return: 4.66% (bottom quartile).	5Y return: 21.61% (upper mid).	5Y return: 21.81% (top quartile).	1Y return: 8.79% (upper mid).	1Y return: 8.43% (lower mid).	5Y return: 23.92% (top quartile).	1Y return: 7.99% (bottom quartile).	1Y return: 7.99% (bottom quartile).	1Y return: 7.95% (bottom quartile).
Point 6	3Y return: 22.56% (top quartile).	3Y return: 15.79% (upper mid).	3Y return: 17.26% (upper mid).	3Y return: 17.02% (upper mid).	1M return: 0.92% (lower mid).	1M return: 0.27% (bottom quartile).	3Y return: 26.27% (top quartile).	1M return: 0.69% (lower mid).	1M return: 0.95% (upper mid).	1M return: 0.97% (upper mid).
Point 7	1Y return: 26.20% (top quartile).	1Y return: 16.29% (top quartile).	1Y return: 11.99% (upper mid).	1Y return: 10.74% (upper mid).	Sharpe: 2.16 (top quartile).	Sharpe: 1.73 (top quartile).	1Y return: 8.39% (lower mid).	Sharpe: 1.46 (upper mid).	Sharpe: 0.47 (lower mid).	Sharpe: 0.66 (upper mid).
Point 8	Alpha: -2.48 (bottom quartile).	Alpha: 0.00 (top quartile).	Alpha: -2.57 (bottom quartile).	Alpha: -6.06 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Alpha: 11.03 (top quartile).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Sharpe: 0.77 (upper mid).	Sharpe: 0.49 (lower mid).	Sharpe: 0.03 (bottom quartile).	Sharpe: -0.18 (bottom quartile).	Yield to maturity (debt): 7.93% (top quartile).	Yield to maturity (debt): 5.01% (upper mid).	Sharpe: 0.03 (bottom quartile).	Yield to maturity (debt): 6.61% (upper mid).	Yield to maturity (debt): 7.64% (top quartile).	Yield to maturity (debt): 7.21% (upper mid).
Point 10	Information ratio: -0.62 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.32 (top quartile).	Information ratio: 0.14 (upper mid).	Modified duration: 2.30 yrs (bottom quartile).	Modified duration: 0.54 yrs (lower mid).	Information ratio: 1.26 (top quartile).	Modified duration: 1.70 yrs (lower mid).	Modified duration: 4.76 yrs (bottom quartile).	Modified duration: 4.69 yrs (bottom quartile).

DSP US Flexible Equity Fund

Lower mid AUM (₹1,000 Cr).
Established history (13+ yrs).
Top rated.
Risk profile: High.
5Y return: 17.33% (upper mid).
3Y return: 22.56% (top quartile).
1Y return: 26.20% (top quartile).
Alpha: -2.48 (bottom quartile).
Sharpe: 0.77 (upper mid).
Information ratio: -0.62 (bottom quartile).

Franklin Asian Equity Fund

Bottom quartile AUM (₹260 Cr).
Established history (17+ yrs).
Rating: 5★ (top quartile).
Risk profile: High.
5Y return: 4.66% (bottom quartile).
3Y return: 15.79% (upper mid).
1Y return: 16.29% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.49 (lower mid).
Information ratio: 0.00 (upper mid).

ICICI Prudential Banking and Financial Services Fund

Upper mid AUM (₹9,688 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 21.61% (upper mid).
3Y return: 17.26% (upper mid).
1Y return: 11.99% (upper mid).
Alpha: -2.57 (bottom quartile).
Sharpe: 0.03 (bottom quartile).
Information ratio: 0.32 (top quartile).

Aditya Birla Sun Life Banking And Financial Services Fund

Upper mid AUM (₹3,374 Cr).
Established history (11+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 21.81% (top quartile).
3Y return: 17.02% (upper mid).
1Y return: 10.74% (upper mid).
Alpha: -6.06 (bottom quartile).
Sharpe: -0.18 (bottom quartile).
Information ratio: 0.14 (upper mid).

Axis Credit Risk Fund

Bottom quartile AUM (₹366 Cr).
Established history (11+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderate.
1Y return: 8.79% (upper mid).
1M return: 0.92% (lower mid).
Sharpe: 2.16 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.93% (top quartile).
Modified duration: 2.30 yrs (bottom quartile).

PGIM India Credit Risk Fund

Bottom quartile AUM (₹39 Cr).
Established history (11+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderate.
1Y return: 8.43% (lower mid).
1M return: 0.27% (bottom quartile).
Sharpe: 1.73 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 5.01% (upper mid).
Modified duration: 0.54 yrs (lower mid).

Invesco India Growth Opportunities Fund

Upper mid AUM (₹8,125 Cr).
Established history (18+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately High.
5Y return: 23.92% (top quartile).
3Y return: 26.27% (top quartile).
1Y return: 8.39% (lower mid).
Alpha: 11.03 (top quartile).
Sharpe: 0.03 (bottom quartile).
Information ratio: 1.26 (top quartile).

UTI Banking & PSU Debt Fund

Lower mid AUM (₹813 Cr).
Established history (11+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.99% (bottom quartile).
1M return: 0.69% (lower mid).
Sharpe: 1.46 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.61% (upper mid).
Modified duration: 1.70 yrs (lower mid).

ICICI Prudential Long Term Plan

Top quartile AUM (₹14,905 Cr).
Established history (15+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.99% (bottom quartile).
1M return: 0.95% (upper mid).
Sharpe: 0.47 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.64% (top quartile).
Modified duration: 4.76 yrs (bottom quartile).

Aditya Birla Sun Life Corporate Bond Fund

Highest AUM (₹28,109 Cr).
Oldest track record among peers (28 yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.95% (bottom quartile).
1M return: 0.97% (upper mid).
Sharpe: 0.66 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.21% (upper mid).
Modified duration: 4.69 yrs (bottom quartile).

1. DSP US Flexible Equity Fund

The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of BGF – USFEF. The Scheme may, at the discretion of the Investment Manager also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or money market/liquid schemes of DSP BlackRock Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized. It shall be noted ‘similar overseas mutual fund schemes’ shall have investment objective, investment strategy and risk profile/consideration similar to those of BGF – USFEF.

Research Highlights for DSP US Flexible Equity Fund

Lower mid AUM (₹1,000 Cr).
Established history (13+ yrs).
Top rated.
Risk profile: High.
5Y return: 17.33% (upper mid).
3Y return: 22.56% (top quartile).
1Y return: 26.20% (top quartile).
Alpha: -2.48 (bottom quartile).
Sharpe: 0.77 (upper mid).
Information ratio: -0.62 (bottom quartile).
Higher exposure to Technology vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding BGF US Flexible Equity I2 (~99.2%).
Top-3 holdings concentration ~100.3%.

Below is the key information for DSP US Flexible Equity Fund

DSP US Flexible Equity Fund Growth
Launch Date	3 Aug 12
NAV (16 Oct 25)	₹70.5012 ↓ -0.30 (-0.42 %)
Net Assets (Cr)	₹1,000 on 31 Aug 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.55
Sharpe Ratio	0.77
Information Ratio	-0.62
Alpha Ratio	-2.48
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)
Sub Cat.	Global

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹13,082
30 Sep 22	₹12,159
30 Sep 23	₹14,648
30 Sep 24	₹18,122
30 Sep 25	₹23,384

DSP US Flexible Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 Invest Now

Returns for DSP US Flexible Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Oct 25

Duration	Returns
1 Month	0.1%
3 Month	11.7%
6 Month	40.7%
1 Year	26.2%
3 Year	22.6%
5 Year	17.3%
10 Year
15 Year
Since launch	15.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	17.8%
2023	22%
2022	-5.9%
2021	24.2%
2020	22.6%
2019	27.5%
2018	-1.1%
2017	15.5%
2016	9.8%
2015	2.5%

Fund Manager information for DSP US Flexible Equity Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	12.51 Yr.

Data below for DSP US Flexible Equity Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Technology	33.83%
Financial Services	17%
Communication Services	13.87%
Health Care	10.58%
Consumer Cyclical	10.54%
Industrials	6.42%
Basic Materials	3.05%
Energy	2.38%

Asset Allocation

Asset Class	Value
Cash	2.31%
Equity	97.67%
Debt	0.02%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF US Flexible Equity I2 Investment Fund \| -	99%	₹992 Cr	2,024,037
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	1%	₹9 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹2 Cr

2. Franklin Asian Equity Fund

An open-end diversified equity fund that seeks to provide medium to long term appreciation through investments primarily in Asian Companies / sectors (excluding Japan) with long term potential across market capitalisation.

Research Highlights for Franklin Asian Equity Fund

Bottom quartile AUM (₹260 Cr).
Established history (17+ yrs).
Rating: 5★ (top quartile).
Risk profile: High.
5Y return: 4.66% (bottom quartile).
3Y return: 15.79% (upper mid).
1Y return: 16.29% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.49 (lower mid).
Information ratio: 0.00 (upper mid).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding Taiwan Semiconductor Manufacturing Co Ltd (~9.1%).

Below is the key information for Franklin Asian Equity Fund

Franklin Asian Equity Fund Growth
Launch Date	16 Jan 08
NAV (17 Oct 25)	₹34.1032 ↓ -0.25 (-0.72 %)
Net Assets (Cr)	₹260 on 31 Aug 25
Category	Equity - Global
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	2.54
Sharpe Ratio	0.49
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-3 Years (1%),3 Years and above(NIL)
Sub Cat.	Global

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹11,378
30 Sep 22	₹8,513
30 Sep 23	₹9,152
30 Sep 24	₹11,434
30 Sep 25	₹12,785

Franklin Asian Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹340,450.
Net Profit of ₹40,450 Invest Now

Returns for Franklin Asian Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Oct 25

Duration	Returns
1 Month	2.4%
3 Month	10.8%
6 Month	27.2%
1 Year	16.3%
3 Year	15.8%
5 Year	4.7%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	14.4%
2023	0.7%
2022	-14.5%
2021	-5.9%
2020	25.8%
2019	28.2%
2018	-13.6%
2017	35.5%
2016	7.2%
2015	-4.6%

Fund Manager information for Franklin Asian Equity Fund

Name	Since	Tenure
Sandeep Manam	18 Oct 21	3.87 Yr.
Shyam Sriram	26 Sep 24	0.93 Yr.

Data below for Franklin Asian Equity Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	23.88%
Financial Services	23.34%
Technology	23.16%
Industrials	7.52%
Communication Services	6.1%
Consumer Defensive	4.33%
Health Care	3.89%
Basic Materials	2.49%
Real Estate	2.11%
Utility	1.2%

Asset Allocation

Asset Class	Value
Cash	1.99%
Equity	98.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Taiwan Semiconductor Manufacturing Co Ltd (Technology) Equity, Since 31 Mar 09 \| 2330	9%	₹24 Cr	71,000 ↓ -8,000
Tencent Holdings Ltd (Communication Services) Equity, Since 31 Jul 14 \| 00700	6%	₹16 Cr	23,500 ↓ -1,100
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 24 \| HDFCBANK	5%	₹14 Cr	143,242 ↑ 6,748
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 24 \| ICICIBANK	5%	₹13 Cr	92,546 ↑ 5,049
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Jul 21 \| 543320	3%	₹9 Cr	274,237 ↓ -13,269
Samsung Electronics Co Ltd (Technology) Equity, Since 31 Mar 08 \| 005930	3%	₹8 Cr	18,979 ↑ 916
MediaTek Inc (Technology) Equity, Since 31 Aug 20 \| 2454	3%	₹8 Cr	21,000 ↓ -1,000
AIA Group Ltd (Financial Services) Equity, Since 31 Mar 12 \| 01299	3%	₹8 Cr	91,200 ↓ -4,400
Alibaba Group Holding Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Dec 20 \| 09988	3%	₹7 Cr	56,904 ↓ -2,700
Contemporary Amperex Technology Co Ltd Class A (Industrials) Equity, Since 30 Apr 24 \| 300750	3%	₹7 Cr	18,100 ↓ -800

3. ICICI Prudential Banking and Financial Services Fund

ICICI Prudential Banking and Financial Services Fund is an Open-ended equity scheme that seeks to generate long-term capital appreciation to unitholders from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for ICICI Prudential Banking and Financial Services Fund

Upper mid AUM (₹9,688 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 21.61% (upper mid).
3Y return: 17.26% (upper mid).
1Y return: 11.99% (upper mid).
Alpha: -2.57 (bottom quartile).
Sharpe: 0.03 (bottom quartile).
Information ratio: 0.32 (top quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~20.5%).
Top-3 holdings concentration ~47.7%.

Below is the key information for ICICI Prudential Banking and Financial Services Fund

ICICI Prudential Banking and Financial Services Fund Growth
Launch Date	22 Aug 08
NAV (17 Oct 25)	₹137.72 ↑ 0.73 (0.53 %)
Net Assets (Cr)	₹9,688 on 31 Aug 25
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.83
Sharpe Ratio	0.03
Information Ratio	0.32
Alpha Ratio	-2.57
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)
Sub Cat.	Sectoral

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹17,263
30 Sep 22	₹17,101
30 Sep 23	₹20,162
30 Sep 24	₹25,799
30 Sep 25	₹26,594

ICICI Prudential Banking and Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033 Invest Now

Returns for ICICI Prudential Banking and Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Oct 25

Duration	Returns
1 Month	2.9%
3 Month	1.5%
6 Month	7.5%
1 Year	12%
3 Year	17.3%
5 Year	21.6%
10 Year
15 Year
Since launch	16.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	11.6%
2023	17.9%
2022	11.9%
2021	23.5%
2020	-5.5%
2019	14.5%
2018	-0.4%
2017	45.1%
2016	21.1%
2015	-7.2%

Fund Manager information for ICICI Prudential Banking and Financial Services Fund

Name	Since	Tenure
Roshan Chutkey	29 Jan 18	7.59 Yr.
Sharmila D’mello	30 Jun 22	3.17 Yr.

Data below for ICICI Prudential Banking and Financial Services Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	95.04%
Health Care	1.4%
Industrials	0.33%

Asset Allocation

Asset Class	Value
Cash	3.23%
Equity	96.77%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| ICICIBANK	21%	₹1,988 Cr	14,219,497 ↑ 131,277
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| HDFCBANK	19%	₹1,842 Cr	19,359,856 ↑ 1,349,342
Axis Bank Ltd (Financial Services) Equity, Since 28 Feb 19 \| AXISBANK	8%	₹790 Cr	7,555,437
State Bank of India (Financial Services) Equity, Since 31 Oct 08 \| SBIN	8%	₹762 Cr	9,489,675
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 17 \| SBILIFE	5%	₹522 Cr	2,892,347
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 23 \| KOTAKBANK	5%	₹462 Cr	2,356,388
HDFC Life Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 23 \| HDFCLIFE	4%	₹394 Cr	5,099,696 ↑ 1,537
Max Financial Services Ltd (Financial Services) Equity, Since 31 Aug 19 \| MFSL	3%	₹264 Cr	1,649,161 ↓ -199,065
ICICI Lombard General Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 19 \| ICICIGI	3%	₹249 Cr	1,355,046
LIC Housing Finance Ltd (Financial Services) Equity, Since 30 Nov 24 \| LICHSGFIN	2%	₹192 Cr	3,450,348 ↑ 866,055

4. Aditya Birla Sun Life Banking And Financial Services Fund

The primary investment objective of the Scheme is to generate long-term capital appreciation to unit holders from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes’ objectives will be achieved.

Research Highlights for Aditya Birla Sun Life Banking And Financial Services Fund

Upper mid AUM (₹3,374 Cr).
Established history (11+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 21.81% (top quartile).
3Y return: 17.02% (upper mid).
1Y return: 10.74% (upper mid).
Alpha: -6.06 (bottom quartile).
Sharpe: -0.18 (bottom quartile).
Information ratio: 0.14 (upper mid).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding ICICI Bank Ltd (~20.4%).
Top-3 holdings concentration ~46.1%.

Below is the key information for Aditya Birla Sun Life Banking And Financial Services Fund

Aditya Birla Sun Life Banking And Financial Services Fund Growth
Launch Date	14 Dec 13
NAV (17 Oct 25)	₹62.7 ↑ 0.28 (0.45 %)
Net Assets (Cr)	₹3,374 on 31 Aug 25
Category	Equity - Sectoral
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.99
Sharpe Ratio	-0.18
Information Ratio	0.14
Alpha Ratio	-6.06
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	0-365 Days (1%),365 Days and above(NIL)
Sub Cat.	Sectoral

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹17,779
30 Sep 22	₹17,350
30 Sep 23	₹21,687
30 Sep 24	₹26,653
30 Sep 25	₹27,010

Aditya Birla Sun Life Banking And Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033 Invest Now

Returns for Aditya Birla Sun Life Banking And Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Oct 25

Duration	Returns
1 Month	3.2%
3 Month	1.4%
6 Month	7.2%
1 Year	10.7%
3 Year	17%
5 Year	21.8%
10 Year
15 Year
Since launch	16.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.7%
2023	21.7%
2022	11.5%
2021	16.8%
2020	1.1%
2019	14.9%
2018	-2.4%
2017	47.6%
2016	15.7%
2015	-0.5%

Fund Manager information for Aditya Birla Sun Life Banking And Financial Services Fund

Name	Since	Tenure
Dhaval Gala	26 Aug 15	10.02 Yr.
Dhaval Joshi	21 Nov 22	2.78 Yr.

Data below for Aditya Birla Sun Life Banking And Financial Services Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	96.39%
Technology	1.15%

Asset Allocation

Asset Class	Value
Cash	2.46%
Equity	97.54%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| ICICIBANK	20%	₹689 Cr	4,927,929
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| HDFCBANK	19%	₹626 Cr	6,583,496
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| AXISBANK	7%	₹241 Cr	2,302,100
State Bank of India (Financial Services) Equity, Since 31 Oct 17 \| SBIN	6%	₹218 Cr	2,718,689
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Sep 16 \| BAJFINANCE	6%	₹188 Cr	2,137,250
HDB Financial Services Ltd (Financial Services) Equity, Since 30 Jun 25 \| HDBFS	3%	₹111 Cr	1,429,781
Cholamandalam Financial Holdings Ltd (Financial Services) Equity, Since 31 Jan 20 \| CHOLAHLDNG	3%	₹108 Cr	623,906
ICICI Lombard General Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 19 \| ICICIGI	3%	₹104 Cr	565,076
AU Small Finance Bank Ltd (Financial Services) Equity, Since 30 Nov 23 \| AUBANK	3%	₹104 Cr	1,446,861
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 19 \| KOTAKBANK	3%	₹92 Cr	469,972

5. Axis Credit Risk Fund

(Erstwhile Axis Fixed Income Opportunities Fund)

To generate stable returns by investing in debt & money market instruments across the yield curve & credit spectrum. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns

Research Highlights for Axis Credit Risk Fund

Bottom quartile AUM (₹366 Cr).
Established history (11+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderate.
1Y return: 8.79% (upper mid).
1M return: 0.92% (lower mid).
Sharpe: 2.16 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.93% (top quartile).
Modified duration: 2.30 yrs (bottom quartile).
Average maturity: 2.76 yrs (bottom quartile).
Exit load: 0-12 Months (1%),12 Months and above(NIL).
Top sector: Real Estate.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~86%).
High-quality debt (AAA/AA ~86%).
Largest holding Jubilant Bevco Limited (~4.3%).

Below is the key information for Axis Credit Risk Fund

Axis Credit Risk Fund Growth
Launch Date	15 Jul 14
NAV (17 Oct 25)	₹21.972 ↑ 0.00 (0.02 %)
Net Assets (Cr)	₹366 on 15 Sep 25
Category	Debt - Credit Risk
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	1.57
Sharpe Ratio	2.16
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity	7.93%
Effective Maturity	2 Years 9 Months 4 Days
Modified Duration	2 Years 3 Months 18 Days
Sub Cat.	Credit Risk

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,749
30 Sep 22	₹11,109
30 Sep 23	₹11,878
30 Sep 24	₹12,830
30 Sep 25	₹13,928

Axis Credit Risk Fund SIP Returns

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

Returns for Axis Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Oct 25

Duration	Returns
1 Month	0.9%
3 Month	2%
6 Month	4.2%
1 Year	8.8%
3 Year	8%
5 Year	6.8%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8%
2023	7%
2022	4%
2021	6%
2020	8.2%
2019	4.4%
2018	5.9%
2017	6.4%
2016	9.8%
2015	8.7%

Fund Manager information for Axis Credit Risk Fund

Name	Since	Tenure
Devang Shah	15 Jul 14	11.14 Yr.
Akhil Thakker	9 Nov 21	3.81 Yr.

Data below for Axis Credit Risk Fund as on 15 Sep 25

Asset Allocation

Asset Class	Value
Cash	10.15%
Equity	3.04%
Debt	86.32%
Other	0.48%

Debt Sector Allocation

Sector	Value
Corporate	75.38%
Cash Equivalent	10.15%
Government	8.21%
Securitized	2.73%

Credit Quality

Rating	Value
A	14.32%
AA	57.78%
AAA	27.9%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Jubilant Bevco Limited Debentures \| -	4%	₹16 Cr	1,500
Aditya Birla Renewables Limited Debentures \| -	4%	₹15 Cr	1,500
Nirma Limited Debentures \| -	4%	₹15 Cr	1,500
Narayana Hrudayalaya Limited Debentures \| -	4%	₹15 Cr	1,500
Infopark Properties Limited Debentures \| -	4%	₹15 Cr	1,500
Aditya Birla Digital Fashion Ventures Limited Debentures \| -	4%	₹15 Cr	1,500
Delhi International Airport Limited Debentures \| -	4%	₹15 Cr	150
Altius Telecom Infrastructure Trust Debentures \| -	4%	₹15 Cr	1,500
7.18% Govt Stock 2033 Sovereign Bonds \| -	3%	₹12 Cr	1,200,000
Vedanta Limited Debentures \| -	3%	₹12 Cr	1,200

6. PGIM India Credit Risk Fund

(Erstwhile DHFL Pramerica Credit Opportunities Fund)

The investment objective of the Scheme is to generate income and capital appreciation by investing predominantly in corporate debt. There can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for PGIM India Credit Risk Fund

Bottom quartile AUM (₹39 Cr).
Established history (11+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderate.
1Y return: 8.43% (lower mid).
1M return: 0.27% (bottom quartile).
Sharpe: 1.73 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 5.01% (upper mid).
Modified duration: 0.54 yrs (lower mid).
Average maturity: 0.59 yrs (lower mid).
Exit load: 0-1 Years (1%),1 Years and above(NIL).

Below is the key information for PGIM India Credit Risk Fund

PGIM India Credit Risk Fund Growth
Launch Date	29 Sep 14
NAV (21 Jan 22)	₹15.5876 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹39 on 31 Dec 21
Category	Debt - Credit Risk
AMC	Pramerica Asset Managers Private Limited
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	1.85
Sharpe Ratio	1.73
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	5.01%
Effective Maturity	7 Months 2 Days
Modified Duration	6 Months 14 Days
Sub Cat.	Credit Risk

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹11,160

PGIM India Credit Risk 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 PGIM India Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Oct 25

Duration	Returns
1 Month	0.3%
3 Month	0.6%
6 Month	4.4%
1 Year	8.4%
3 Year	3%
5 Year	4.2%
10 Year
15 Year
Since launch	6.3%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for PGIM India Credit Risk Fund

Name	Since	Tenure

Data below for PGIM India Credit Risk Fund as on 31 Dec 21

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

7. Invesco India Growth Opportunities Fund

(Erstwhile Invesco India Growth Fund)

The investment objective of the Scheme is to generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities. However, there can be no assurance that the objectives of the scheme will be achieved.

Research Highlights for Invesco India Growth Opportunities Fund

Upper mid AUM (₹8,125 Cr).
Established history (18+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately High.
5Y return: 23.92% (top quartile).
3Y return: 26.27% (top quartile).
1Y return: 8.39% (lower mid).
Alpha: 11.03 (top quartile).
Sharpe: 0.03 (bottom quartile).
Information ratio: 1.26 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Trent Ltd (~5.3%).

Below is the key information for Invesco India Growth Opportunities Fund

Invesco India Growth Opportunities Fund Growth
Launch Date	9 Aug 07
NAV (17 Oct 25)	₹104.04 ↓ -0.47 (-0.45 %)
Net Assets (Cr)	₹8,125 on 31 Aug 25
Category	Equity - Large & Mid Cap
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.82
Sharpe Ratio	0.03
Information Ratio	1.26
Alpha Ratio	11.03
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)
Sub Cat.	Large & Mid Cap

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹14,981
30 Sep 22	₹14,705
30 Sep 23	₹17,365
30 Sep 24	₹27,973
30 Sep 25	₹28,281

Invesco India Growth Opportunities Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623 Invest Now

Returns for Invesco India Growth Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Oct 25

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	16.1%
1 Year	8.4%
3 Year	26.3%
5 Year	23.9%
10 Year
15 Year
Since launch	13.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	37.5%
2023	31.6%
2022	-0.4%
2021	29.7%
2020	13.3%
2019	10.7%
2018	-0.2%
2017	39.6%
2016	3.3%
2015	3.8%

Fund Manager information for Invesco India Growth Opportunities Fund

Name	Since	Tenure
Aditya Khemani	9 Nov 23	1.81 Yr.
Amit Ganatra	21 Jan 22	3.61 Yr.

Data below for Invesco India Growth Opportunities Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	27.29%
Consumer Cyclical	20.16%
Health Care	20.02%
Industrials	13.09%
Real Estate	6.87%
Technology	5.99%
Basic Materials	4.33%
Communication Services	1.69%

Asset Allocation

Asset Class	Value
Cash	0.56%
Equity	99.42%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Trent Ltd (Consumer Cyclical) Equity, Since 28 Feb 22 \| TRENT	5%	₹432 Cr	815,029
Eternal Ltd (Consumer Cyclical) Equity, Since 30 Jun 23 \| 543320	5%	₹430 Cr	13,689,301 ↑ 1,720,863
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Mar 24 \| INDIGO	5%	₹422 Cr	747,445 ↑ 32,614
Max Healthcare Institute Ltd Ordinary Shares (Healthcare) Equity, Since 30 Nov 22 \| 543220	5%	₹420 Cr	3,641,271 ↑ 322,602
Swiggy Ltd (Consumer Cyclical) Equity, Since 30 Nov 24 \| SWIGGY	4%	₹365 Cr	8,909,867
Sai Life Sciences Ltd (Healthcare) Equity, Since 31 Dec 24 \| SAILIFE	4%	₹353 Cr	4,283,799 ↑ 1,156,100
Cholamandalam Investment and Finance Co Ltd (Financial Services) Equity, Since 28 Feb 23 \| CHOLAFIN	4%	₹348 Cr	2,449,413 ↑ 35,677
BSE Ltd (Financial Services) Equity, Since 31 Oct 23 \| BSE	4%	₹331 Cr	1,580,775
Prestige Estates Projects Ltd (Real Estate) Equity, Since 31 Dec 23 \| PRESTIGE	4%	₹299 Cr	1,914,877
L&T Finance Ltd (Financial Services) Equity, Since 30 Apr 24 \| LTF	4%	₹291 Cr	13,404,597

8. UTI Banking & PSU Debt Fund

The investment objective of the scheme is to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of predominantly debt & money market securities by Banks and Public Sector Undertakings (PSUs).

Research Highlights for UTI Banking & PSU Debt Fund

Lower mid AUM (₹813 Cr).
Established history (11+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.99% (bottom quartile).
1M return: 0.69% (lower mid).
Sharpe: 1.46 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.61% (upper mid).
Modified duration: 1.70 yrs (lower mid).
Average maturity: 1.94 yrs (lower mid).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.38% Govt Stock 2027 (~11.4%).

Below is the key information for UTI Banking & PSU Debt Fund

UTI Banking & PSU Debt Fund Growth
Launch Date	3 Feb 14
NAV (17 Oct 25)	₹22.4027 ↑ 0.00 (0.02 %)
Net Assets (Cr)	₹813 on 31 Aug 25
Category	Debt - Banking & PSU Debt
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	0.54
Sharpe Ratio	1.46
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.61%
Effective Maturity	1 Year 11 Months 8 Days
Modified Duration	1 Year 8 Months 12 Days
Sub Cat.	Banking & PSU Debt

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,397
30 Sep 22	₹11,347
30 Sep 23	₹12,110
30 Sep 24	₹13,056
30 Sep 25	₹14,094

UTI Banking & PSU Debt Fund 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 Banking & PSU Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Oct 25

Duration	Returns
1 Month	0.7%
3 Month	1.4%
6 Month	3.6%
1 Year	8%
3 Year	7.7%
5 Year	7%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.6%
2023	6.7%
2022	10.3%
2021	2.8%
2020	8.9%
2019	-1%
2018	6.8%
2017	6.4%
2016	11.7%
2015	8.6%

Fund Manager information for UTI Banking & PSU Debt Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	3.75 Yr.

Data below for UTI Banking & PSU Debt Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	5.26%
Debt	94.41%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	54.74%
Government	39.67%
Cash Equivalent	5.26%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.38% Govt Stock 2027 Sovereign Bonds \| -	11%	₹92 Cr	900,000,000
Axis Bank Limited Debentures \| -	7%	₹55 Cr	550
Export Import Bank Of India Debentures \| -	6%	₹51 Cr	5,000
Small Industries Development Bank Of India Debentures \| -	6%	₹51 Cr	5,000
Power Finance Corporation Limited Debentures \| -	5%	₹41 Cr	400
Rural Electrification Corporation Limited Debentures \| -	4%	₹36 Cr	3,500
National Housing Bank Debentures \| -	4%	₹36 Cr	3,500
HDFC Bank Limited Debentures \| -	4%	₹35 Cr	350
Indian Railway Finance Corporation Limited Debentures \| -	4%	₹31 Cr	300
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹30 Cr	3,000

9. ICICI Prudential Long Term Plan

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

Research Highlights for ICICI Prudential Long Term Plan

Top quartile AUM (₹14,905 Cr).
Established history (15+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.99% (bottom quartile).
1M return: 0.95% (upper mid).
Sharpe: 0.47 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.64% (top quartile).
Modified duration: 4.76 yrs (bottom quartile).
Average maturity: 12.61 yrs (bottom quartile).
Exit load: 0-1 Months (0.25%),1 Months and above(NIL).
Top sector: Financial Services.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.34% Govt Stock 2064 (~8.0%).

Below is the key information for ICICI Prudential Long Term Plan

ICICI Prudential Long Term Plan Growth
Launch Date	20 Jan 10
NAV (17 Oct 25)	₹37.6551 ↓ -0.02 (-0.06 %)
Net Assets (Cr)	₹14,905 on 15 Sep 25
Category	Debt - Dynamic Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	1.3
Sharpe Ratio	0.47
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Months (0.25%),1 Months and above(NIL)
Yield to Maturity	7.64%
Effective Maturity	12 Years 7 Months 10 Days
Modified Duration	4 Years 9 Months 4 Days
Sub Cat.	Dynamic Bond

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,670
30 Sep 22	₹11,031
30 Sep 23	₹11,831
30 Sep 24	₹12,843
30 Sep 25	₹13,805

ICICI Prudential Long Term Plan 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 Long Term Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Oct 25

Duration	Returns
1 Month	0.9%
3 Month	1.1%
6 Month	2.8%
1 Year	8%
3 Year	8%
5 Year	6.6%
10 Year
15 Year
Since launch	8.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.2%
2023	7.6%
2022	4.5%
2021	4.3%
2020	11.8%
2019	10.2%
2018	6.2%
2017	5.1%
2016	16.9%
2015	5.7%

Fund Manager information for ICICI Prudential Long Term Plan

Name	Since	Tenure
Manish Banthia	28 Sep 12	12.93 Yr.
Nikhil Kabra	22 Jan 24	1.61 Yr.

Data below for ICICI Prudential Long Term Plan as on 15 Sep 25

Asset Allocation

Asset Class	Value
Cash	3.82%
Debt	95.91%
Other	0.28%

Debt Sector Allocation

Sector	Value
Government	53.03%
Corporate	42.87%
Cash Equivalent	3.82%

Credit Quality

Rating	Value
AA	32.92%
AAA	67.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	8%	₹1,189 Cr	118,212,000
6.9% Govt Stock 2065 Sovereign Bonds \| -	8%	₹1,143 Cr	120,000,000
LIC Housing Finance Ltd Debentures \| -	6%	₹951 Cr	94,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	5%	₹814 Cr	80,187,900 ↓ -5,500,000
7.24% Govt Stock 2055 Sovereign Bonds \| -	3%	₹514 Cr	51,230,000
6.99% Govt Stock 2034 Sovereign Bonds \| -	3%	₹464 Cr	45,460,800
Vedanta Limited Debentures \| -	3%	₹401 Cr	40,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	3%	₹393 Cr	40,000,000
7.81% Govt Stock 2033 Sovereign Bonds \| -	2%	₹319 Cr	30,848,050 ↓ -26,000,000
Maharashtra (Government of) - \| -	2%	₹292 Cr	30,000,000

10. Aditya Birla Sun Life Corporate Bond Fund

(Erstwhile Aditya Birla Sun Life Short Term Fund)

An Open-ended income scheme with the objective to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market securities.

Research Highlights for Aditya Birla Sun Life Corporate Bond Fund

Highest AUM (₹28,109 Cr).
Oldest track record among peers (28 yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.95% (bottom quartile).
1M return: 0.97% (upper mid).
Sharpe: 0.66 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.21% (upper mid).
Modified duration: 4.69 yrs (bottom quartile).
Average maturity: 7.25 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.92% Govt Stock 2039 (~9.4%).

Below is the key information for Aditya Birla Sun Life Corporate Bond Fund

Aditya Birla Sun Life Corporate Bond Fund Growth
Launch Date	3 Mar 97
NAV (17 Oct 25)	₹115.198 ↑ 0.02 (0.02 %)
Net Assets (Cr)	₹28,109 on 31 Aug 25
Category	Debt - Corporate Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.52
Sharpe Ratio	0.66
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.21%
Effective Maturity	7 Years 3 Months
Modified Duration	4 Years 8 Months 8 Days
Sub Cat.	Corporate Bond

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,613
30 Sep 22	₹10,931
30 Sep 23	₹11,729
30 Sep 24	₹12,742
30 Sep 25	₹13,692

Aditya Birla Sun Life Corporate 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 Aditya Birla Sun Life Corporate 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 16 Oct 25

Duration	Returns
1 Month	1%
3 Month	1.3%
6 Month	3%
1 Year	7.9%
3 Year	8%
5 Year	6.4%
10 Year
15 Year
Since launch	8.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.5%
2023	7.3%
2022	4.1%
2021	4%
2020	11.9%
2019	9.6%
2018	7%
2017	6.5%
2016	10.2%
2015	8.9%

Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund

Name	Since	Tenure
Kaustubh Gupta	12 Apr 21	4.39 Yr.

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

Asset Allocation

Asset Class	Value
Cash	3.14%
Debt	96.58%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	55.36%
Government	40.11%
Cash Equivalent	3.14%
Securitized	1.11%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Govt Stock 2039 Sovereign Bonds \| -	9%	₹2,654 Cr	263,736,200 ↓ -5,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	8%	₹2,232 Cr	220,000,000 ↑ 6,500,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹1,153 Cr	113,500
6.68% Govt Stock 2040 Sovereign Bonds \| -	3%	₹784 Cr	79,500,000 ↑ 16,000,000
Small Industries Development Bank Of India Debentures \| -	3%	₹748 Cr	74,550
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹586 Cr	59,000
Rec Limited Debentures \| -	2%	₹580 Cr	60,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	2%	₹570 Cr	55,161,700
Bajaj Housing Finance Limited Debentures \| -	2%	₹560 Cr	55,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	2%	₹533 Cr	53,000,000 ↓ -4,500,000

മികച്ച പ്രകടനം നടത്തുന്ന മ്യൂച്വൽ ഫണ്ട് എങ്ങനെ തിരഞ്ഞെടുക്കാം?

ഒരു നല്ല ഫണ്ട് സ്വയം കണ്ടെത്താനുള്ള ഏറ്റവും നല്ല മാർഗം അതിന്റെ ഗുണപരവും അളവുപരവുമായ അളവുകൾ നോക്കുക എന്നതാണ്-

ഫണ്ട് പ്രകടനം

ഒരു നിശ്ചിത കാലയളവിൽ ഫണ്ടുകളുടെ പ്രകടനത്തെക്കുറിച്ച് നിക്ഷേപകർ ന്യായമായ വിലയിരുത്തൽ നടത്തണം. 4-5 വർഷത്തിലേറെയായി അതിന്റെ മാനദണ്ഡം തുടർച്ചയായി മറികടക്കുന്ന ഒരു ഫണ്ട് തിരഞ്ഞെടുക്കാൻ നിർദ്ദേശിക്കുന്നു.

AUM

മാനേജ്‌മെന്റിന് കീഴിലുള്ള അസറ്റാണ് AUM. വളരെ വലുതോ ചെറുതോ അല്ലാത്ത ഒരു ഫണ്ടിലേക്കാണ് ഒരാൾ എപ്പോഴും പോകേണ്ടത്. ഫണ്ടിന്റെ വലുപ്പം തമ്മിൽ കൃത്യമായ നിർവചനവും ബന്ധവും ഇല്ലെങ്കിലും, വളരെ ചെറുതും വലുതും ഒരു ഫണ്ടിന്റെ പ്രകടനത്തെ തടസ്സപ്പെടുത്തുമെന്ന് പറയപ്പെടുന്നു.

ഫണ്ട് മാനേജർ

തന്റെ കരിയറിൽ സ്ഥിരത പുലർത്തുന്ന ഒരു ഫണ്ട് മാനേജരെ സമീപിക്കുന്നത് നല്ലതാണ്. ഫണ്ടിന്റെ പോർട്ട്‌ഫോളിയോയ്‌ക്കായി നിക്ഷേപ തീരുമാനങ്ങൾ എടുക്കുന്നതിന് ഒരു ഫണ്ട് മാനേജർ ഉത്തരവാദിയാണ്, പരിചയസമ്പന്നനായ ഒരു ഫണ്ട് മാനേജർ കൈകാര്യം ചെയ്യുന്ന ഒരു ഫണ്ട് പരിഗണിക്കുന്നത് പ്രധാനമാണ്.

ഫണ്ട് ഹൗസ് പ്രശസ്തി

ഫണ്ട് ഹൗസിന്റെ ഗുണനിലവാരവും പ്രശസ്തിയും എപ്പോഴും നോക്കേണ്ടത് പ്രധാനമാണ്. ശക്തമായ സ്ഥിരതയുള്ള ട്രാക്ക് റെക്കോർഡ്, സ്റ്റാർട്ട് ഫണ്ടുകൾ/നല്ല പെർഫോമിംഗ് ഫണ്ടുകൾ മുതലായവ ഉള്ള ഒരു ഫണ്ട് ഹൗസാണ് നിക്ഷേപിക്കേണ്ടത്.

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ഇവിടെ നൽകിയിരിക്കുന്ന വിവരങ്ങൾ കൃത്യമാണെന്ന് ഉറപ്പാക്കാൻ എല്ലാ ശ്രമങ്ങളും നടത്തിയിട്ടുണ്ട്. എന്നിരുന്നാലും, ഡാറ്റയുടെ കൃത്യത സംബന്ധിച്ച് യാതൊരു ഉറപ്പും നൽകുന്നില്ല. എന്തെങ്കിലും നിക്ഷേപം നടത്തുന്നതിന് മുമ്പ് സ്കീം വിവര രേഖ ഉപയോഗിച്ച് പരിശോധിക്കുക.