SIP നിക്ഷേപത്തിനുള്ള മികച്ച ഇന്റർമീഡിയറ്റ് ഡെറ്റ് ഫണ്ടുകൾ 2022

Updated on September 28, 2025 , 1779 views

ഇന്റർമീഡിയറ്റ്ബോണ്ടുകൾ മീഡിയം ടേം ഫണ്ടുകൾ എന്നും അറിയപ്പെടുന്നത് ഒരു തരം കടമാണ്മ്യൂച്വൽ ഫണ്ടുകൾ 3 വർഷമോ അതിൽ കൂടുതലോ സമയപരിധിയുള്ള ഡെറ്റ് സെക്യൂരിറ്റികളിൽ നിക്ഷേപിക്കുക. മിഡ്-ടേം ഫണ്ടുകളുടെ ശരാശരി മെച്യൂരിറ്റി കാലയളവ് ലിക്വിഡ്, അൾട്രാ-ഹ്രസ്വകാല, ഹ്രസ്വകാല എന്നിവയേക്കാൾ കൂടുതലാണ്ഡെറ്റ് ഫണ്ട്. അടുത്ത കാലത്തായി, ഇന്ത്യയിൽ തുടർച്ചയായി നിരക്ക് കുറച്ചതിനാൽ ഇടത്തരം ഫണ്ടുകൾ മികച്ച വരുമാനം നൽകി. ഈ ഫണ്ടുകൾ പലിശ നിരക്കുകളോട് സെൻസിറ്റീവ് കുറവാണ്, അതിനാൽ ദൈർഘ്യമേറിയ ഫണ്ടുകളേക്കാൾ അസ്ഥിരവും കുറവാണ്.ഗിൽറ്റ് ഫണ്ടുകൾ. മികച്ച ഫലങ്ങൾക്കായി, എ വഴി മികച്ച ഇന്റർമീഡിയറ്റ് ഡെറ്റ് ഫണ്ടുകളിൽ നിക്ഷേപിക്കാൻ നിക്ഷേപകരെ ഉപദേശിക്കുന്നുഎസ്.ഐ.പി. നിക്ഷേപകർക്ക് താഴെപ്പറയുന്ന മുൻകൂർ ലിസ്റ്റ് ചെയ്ത ടോപ്പ് റേറ്റഡ് മിഡ്-ടേം ഡെറ്റ് ഫണ്ടുകളിൽ നിന്ന് മികച്ച പെർഫോമിംഗ് സ്കീം തിരഞ്ഞെടുക്കാം.

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എസ്‌ഐ‌പിയിൽ നിക്ഷേപിക്കുന്നതിന് മികച്ച 5 മികച്ച പ്രകടനം നടത്തുന്ന ഇന്റർമീഡിയറ്റ് അല്ലെങ്കിൽ മിഡ് ടേം ഡെറ്റ് ഫണ്ടുകൾ

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Aditya Birla Sun Life Medium Term Plan Growth	₹40.6422 ↑ 0.07	₹2,876	1,000	1.5	4.5	12.4	9.5	12	10.5
Nippon India Strategic Debt Fund Growth	₹16.012 ↑ 0.02	₹110	100	3.3	5.6	9.8	8.3	9.1	8.3
Axis Strategic Bond Fund Growth	₹28.5031 ↑ 0.04	₹1,902	1,000	1.3	4	8.3	8	6.9	8.7
Kotak Medium Term Fund Growth	₹23.2452 ↑ 0.04	₹1,832	1,000	1.8	4.7	8.3	7.9	6.7	9
DSP Bond Fund Growth	₹83.0678 ↑ 0.11	₹317	500	1	3.7	7.9	7.7	6	7.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Oct 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Medium Term Plan	Nippon India Strategic Debt Fund	Axis Strategic Bond Fund	Kotak Medium Term Fund	DSP Bond Fund
Point 1	Highest AUM (₹2,876 Cr).	Bottom quartile AUM (₹110 Cr).	Upper mid AUM (₹1,902 Cr).	Lower mid AUM (₹1,832 Cr).	Bottom quartile AUM (₹317 Cr).
Point 2	Established history (16+ yrs).	Established history (11+ yrs).	Established history (13+ yrs).	Established history (11+ yrs).	Oldest track record among peers (28 yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 12.43% (top quartile).	1Y return: 9.84% (upper mid).	1Y return: 8.26% (bottom quartile).	1Y return: 8.27% (lower mid).	1Y return: 7.92% (bottom quartile).
Point 6	1M return: 0.90% (upper mid).	1M return: 0.74% (bottom quartile).	1M return: 0.75% (lower mid).	1M return: 1.19% (top quartile).	1M return: 0.56% (bottom quartile).
Point 7	Sharpe: 2.36 (top quartile).	Sharpe: 1.21 (lower mid).	Sharpe: 1.24 (upper mid).	Sharpe: 1.09 (bottom quartile).	Sharpe: 0.92 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.51% (lower mid).	Yield to maturity (debt): 7.31% (bottom quartile).	Yield to maturity (debt): 7.82% (upper mid).	Yield to maturity (debt): 7.85% (top quartile).	Yield to maturity (debt): 6.78% (bottom quartile).
Point 10	Modified duration: 3.38 yrs (bottom quartile).	Modified duration: 3.31 yrs (upper mid).	Modified duration: 3.33 yrs (lower mid).	Modified duration: 3.40 yrs (bottom quartile).	Modified duration: 3.23 yrs (top quartile).

Aditya Birla Sun Life Medium Term Plan

Highest AUM (₹2,876 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 12.43% (top quartile).
1M return: 0.90% (upper mid).
Sharpe: 2.36 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.51% (lower mid).
Modified duration: 3.38 yrs (bottom quartile).

Nippon India Strategic Debt Fund

Bottom quartile AUM (₹110 Cr).
Established history (11+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 9.84% (upper mid).
1M return: 0.74% (bottom quartile).
Sharpe: 1.21 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.31% (bottom quartile).
Modified duration: 3.31 yrs (upper mid).

Axis Strategic Bond Fund

Upper mid AUM (₹1,902 Cr).
Established history (13+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 8.26% (bottom quartile).
1M return: 0.75% (lower mid).
Sharpe: 1.24 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.82% (upper mid).
Modified duration: 3.33 yrs (lower mid).

Kotak Medium Term Fund

Lower mid AUM (₹1,832 Cr).
Established history (11+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.27% (lower mid).
1M return: 1.19% (top quartile).
Sharpe: 1.09 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.85% (top quartile).
Modified duration: 3.40 yrs (bottom quartile).

DSP Bond Fund

Bottom quartile AUM (₹317 Cr).
Oldest track record among peers (28 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.92% (bottom quartile).
1M return: 0.56% (bottom quartile).
Sharpe: 0.92 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.78% (bottom quartile).
Modified duration: 3.23 yrs (top quartile).

1. Aditya Birla Sun Life Medium Term Plan

The primary investment objective of the Scheme is to generate regular income through investments in debt & money market instruments in order to make regular dividend payments to unit holders & secondary objective is growth of capital.

Research Highlights for Aditya Birla Sun Life Medium Term Plan

Highest AUM (₹2,876 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 12.43% (top quartile).
1M return: 0.90% (upper mid).
Sharpe: 2.36 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.51% (lower mid).
Modified duration: 3.38 yrs (bottom quartile).
Average maturity: 4.56 yrs (lower mid).
Exit load: 0-365 Days (1%),365 Days and above(NIL).

Below is the key information for Aditya Birla Sun Life Medium Term Plan

Aditya Birla Sun Life Medium Term Plan Growth
Launch Date	25 Mar 09
NAV (01 Oct 25)	₹40.6422 ↑ 0.07 (0.18 %)
Net Assets (Cr)	₹2,876 on 15 Sep 25
Category	Debt - Medium term Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.57
Sharpe Ratio	2.36
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	0-365 Days (1%),365 Days and above(NIL)
Yield to Maturity	7.51%
Effective Maturity	4 Years 6 Months 22 Days
Modified Duration	3 Years 4 Months 17 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,847
30 Sep 22	₹13,395
30 Sep 23	₹14,355
30 Sep 24	₹15,641
30 Sep 25	₹17,586

Aditya Birla Sun Life Medium Term Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹215,396.
Net Profit of ₹35,396 Invest Now

Returns for Aditya Birla Sun Life Medium 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 1 Oct 25

Duration	Returns
1 Month	0.9%
3 Month	1.5%
6 Month	4.5%
1 Year	12.4%
3 Year	9.5%
5 Year	12%
10 Year
15 Year
Since launch	8.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	10.5%
2023	6.9%
2022	24.8%
2021	7.1%
2020	8.1%
2019	-4.4%
2018	5.6%
2017	7%
2016	10.9%
2015	9.5%

Fund Manager information for Aditya Birla Sun Life Medium Term Plan

Name	Since	Tenure
Sunaina Cunha	1 Sep 14	11.01 Yr.
Mohit Sharma	6 Aug 20	5.07 Yr.

Data below for Aditya Birla Sun Life Medium Term Plan as on 15 Sep 25

Asset Allocation

Asset Class	Value
Cash	6.08%
Equity	4.1%
Debt	89.57%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	54.88%
Government	34.68%
Cash Equivalent	6.08%

Credit Quality

Rating	Value
A	3.19%
AA	42.18%
AAA	54.64%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	8%	₹223 Cr	22,000,000 ↑ 5,500,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	7%	₹204 Cr	19,696,700 ↑ 1,000,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	7%	₹192 Cr	18,500,000
Nuvama Wealth Finance Limited Debentures \| -	3%	₹96 Cr	9,500
GMR Airports Limited Debentures \| -	3%	₹80 Cr	8,000
Jubilant Bevco Limited Debentures \| -	3%	₹77 Cr	7,400
Indian Railway Finance Corporation Limited Debentures \| -	3%	₹75 Cr	7,500
National Bank For Financing Infrastructure And Development Debentures \| -	2%	₹71 Cr	7,000
Power Grid Corporation Of India Limited Debentures \| -	2%	₹69 Cr	7,000
360 One Prime Limited Debentures \| -	2%	₹66 Cr	6,500

2. Nippon India Strategic Debt Fund

(Erstwhile Reliance Classic Bond Fund)

To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximizing income while maintaining the optimum balance of yield, safety and liquidity. The scheme would focus its investments predominantly in corporate bonds of various maturities and across ratings for the purpose of achieving regular income and capital appreciation.

Research Highlights for Nippon India Strategic Debt Fund

Bottom quartile AUM (₹110 Cr).
Established history (11+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 9.84% (upper mid).
1M return: 0.74% (bottom quartile).
Sharpe: 1.21 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.31% (bottom quartile).
Modified duration: 3.31 yrs (upper mid).
Average maturity: 4.46 yrs (upper mid).
Exit load: 0-12 Months (1%),12 Months and above(NIL).

Below is the key information for Nippon India Strategic Debt Fund

Nippon India Strategic Debt Fund Growth
Launch Date	26 Jun 14
NAV (01 Oct 25)	₹16.012 ↑ 0.02 (0.13 %)
Net Assets (Cr)	₹110 on 31 Aug 25
Category	Debt - Medium term Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.08
Sharpe Ratio	1.21
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity	7.31%
Effective Maturity	4 Years 5 Months 16 Days
Modified Duration	3 Years 3 Months 22 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹12,046
30 Sep 22	₹12,160
30 Sep 23	₹13,020
30 Sep 24	₹14,072
30 Sep 25	₹15,456

Nippon India Strategic Debt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹209,201.
Net Profit of ₹29,201 Invest Now

Returns for Nippon India Strategic 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 1 Oct 25

Duration	Returns
1 Month	0.7%
3 Month	3.3%
6 Month	5.6%
1 Year	9.8%
3 Year	8.3%
5 Year	9.1%
10 Year
15 Year
Since launch	4.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.3%
2023	7%
2022	2%
2021	17.4%
2020	-23.5%
2019	-3.4%
2018	4.7%
2017	6.9%
2016	11.1%
2015	9%

Fund Manager information for Nippon India Strategic Debt Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	7.28 Yr.
Sushil Budhia	1 Feb 20	5.59 Yr.
Akshay Sharma	1 Dec 22	2.75 Yr.

Data below for Nippon India Strategic Debt Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	13.55%
Debt	86.03%
Other	0.42%

Debt Sector Allocation

Sector	Value
Corporate	48.11%
Government	33.49%
Cash Equivalent	13.55%
Securitized	4.43%

Credit Quality

Rating	Value
AA	52.33%
AAA	47.67%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2037 Sovereign Bonds \| -	14%	₹15 Cr	1,500,000
7.17 Madhya Pradesh SDL 2031 Sovereign Bonds \| -	9%	₹10 Cr	1,000,000
Rec Limited Debentures \| -	5%	₹5 Cr	50
7.1% Govt Stock 2034 Sovereign Bonds \| -	5%	₹5 Cr	500,000
TRuhome Finance Limited Debentures \| -	5%	₹5 Cr	500
Aditya Birla Real Estate Limited Debentures \| -	5%	₹5 Cr	500
6.79% Govt Stock 2034 Sovereign Bonds \| -	4%	₹5 Cr	500,000
Godrej Industries Limited Debentures \| -	4%	₹5 Cr	500
Aadhar Housing Finance Limited Debentures \| -	4%	₹5 Cr	500
JSW Steel Limited Debentures \| -	4%	₹5 Cr	50

3. Axis Strategic Bond Fund

(Erstwhile Axis Income Fund)

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

Research Highlights for Axis Strategic Bond Fund

Upper mid AUM (₹1,902 Cr).
Established history (13+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 8.26% (bottom quartile).
1M return: 0.75% (lower mid).
Sharpe: 1.24 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.82% (upper mid).
Modified duration: 3.33 yrs (lower mid).
Average maturity: 4.59 yrs (bottom quartile).
Exit load: 0-12 Months (1%),12 Months and above(NIL).

Below is the key information for Axis Strategic Bond Fund

Axis Strategic Bond Fund Growth
Launch Date	28 Mar 12
NAV (01 Oct 25)	₹28.5031 ↑ 0.04 (0.15 %)
Net Assets (Cr)	₹1,902 on 15 Sep 25
Category	Debt - Medium term Bond
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.08
Sharpe Ratio	1.24
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity	7.82%
Effective Maturity	4 Years 7 Months 2 Days
Modified Duration	3 Years 3 Months 29 Days

Growth of 10,000 investment over the years.

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

Axis Strategic Bond Fund SIP Returns

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

Returns for Axis Strategic Bond Fund

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

Duration	Returns
1 Month	0.7%
3 Month	1.3%
6 Month	4%
1 Year	8.3%
3 Year	8%
5 Year	6.9%
10 Year
15 Year
Since launch	8.1%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Axis Strategic Bond Fund

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

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

Asset Allocation

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

Debt Sector Allocation

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

Credit Quality

Rating	Value
A	9.54%
AA	49.37%
AAA	41.09%

Top Securities Holdings / Portfolio

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

4. Kotak Medium Term Fund

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

Research Highlights for Kotak Medium Term Fund

Lower mid AUM (₹1,832 Cr).
Established history (11+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.27% (lower mid).
1M return: 1.19% (top quartile).
Sharpe: 1.09 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.85% (top quartile).
Modified duration: 3.40 yrs (bottom quartile).
Average maturity: 5.40 yrs (bottom quartile).
Exit load: 0-18 Months (2%),18 Months and above(NIL).

Below is the key information for Kotak Medium Term Fund

Kotak Medium Term Fund Growth
Launch Date	25 Mar 14
NAV (01 Oct 25)	₹23.2452 ↑ 0.04 (0.19 %)
Net Assets (Cr)	₹1,832 on 31 Aug 25
Category	Debt - Medium term Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.63
Sharpe Ratio	1.09
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-18 Months (2%),18 Months and above(NIL)
Yield to Maturity	7.85%
Effective Maturity	5 Years 4 Months 24 Days
Modified Duration	3 Years 4 Months 24 Days

Growth of 10,000 investment over the years.

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

Kotak Medium Term Fund SIP Returns

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

Returns for Kotak Medium Term Fund

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

Duration	Returns
1 Month	1.2%
3 Month	1.8%
6 Month	4.7%
1 Year	8.3%
3 Year	7.9%
5 Year	6.7%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Kotak Medium Term Fund

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

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

Asset Allocation

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

Debt Sector Allocation

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

Credit Quality

Rating	Value
A	10.72%
AA	37.76%
AAA	51.53%

Top Securities Holdings / Portfolio

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

5. DSP Bond Fund

Aims to generate attractive returns consistent with prudent risk from a diversified portfolio substantially constituted of high quality debt securities.

Research Highlights for DSP Bond Fund

Bottom quartile AUM (₹317 Cr).
Oldest track record among peers (28 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.92% (bottom quartile).
1M return: 0.56% (bottom quartile).
Sharpe: 0.92 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.78% (bottom quartile).
Modified duration: 3.23 yrs (top quartile).
Average maturity: 4.00 yrs (top quartile).
Exit load: 0-6 Months (0.25%),6 Months and above(NIL).

Below is the key information for DSP Bond Fund

DSP Bond Fund Growth
Launch Date	29 Apr 97
NAV (01 Oct 25)	₹83.0678 ↑ 0.11 (0.13 %)
Net Assets (Cr)	₹317 on 31 Aug 25
Category	Debt - Medium term Bond
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.75
Sharpe Ratio	0.92
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-6 Months (0.25%),6 Months and above(NIL)
Yield to Maturity	6.78%
Effective Maturity	4 Years
Modified Duration	3 Years 2 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,539
30 Sep 22	₹10,710
30 Sep 23	₹11,465
30 Sep 24	₹12,406
30 Sep 25	₹13,388

DSP 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 DSP 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 1 Oct 25

Duration	Returns
1 Month	0.6%
3 Month	1%
6 Month	3.7%
1 Year	7.9%
3 Year	7.7%
5 Year	6%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.6%
2023	7%
2022	2.9%
2021	3.4%
2020	10%
2019	3%
2018	3.6%
2017	5%
2016	12.9%
2015	6%

Fund Manager information for DSP Bond Fund

Name	Since	Tenure
Vivek Ramakrishnan	17 Jul 21	4.13 Yr.
Karan Mundhra	1 May 21	4.34 Yr.

Data below for DSP Bond Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	17%
Debt	82.38%
Other	0.62%

Debt Sector Allocation

Sector	Value
Corporate	56.52%
Government	41.21%
Cash Equivalent	1.65%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.32% Govt Stock 2030 Sovereign Bonds \| -	15%	₹48 Cr	4,500,000
LIC Housing Finance Ltd Debentures \| -	8%	₹27 Cr	2,500
Bajaj Finance Limited Debentures \| -	8%	₹26 Cr	250
Small Industries Development Bank Of India Debentures \| -	8%	₹26 Cr	2,500
National Bank For Agriculture And Rural Development Debentures \| -	8%	₹26 Cr	2,500
Rec Limited Debentures \| -	8%	₹26 Cr	2,500
Chhattisgarh (Government of) 7.03% - \| -	8%	₹26 Cr	2,500,000
Indian Railway Finance Corporation Limited Debentures \| -	8%	₹26 Cr	2,500
Bajaj Housing Finance Limited Debentures \| -	8%	₹25 Cr	2,500
5.77% Govt Stock 2030 Sovereign Bonds \| -	2%	₹5 Cr	500,000

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