നിങ്ങളുടെ മൊത്തം നിക്ഷേപത്തിനായി ഡെറ്റ് മ്യൂച്വൽ ഫണ്ടുകൾ

Updated on November 30, 2025 , 2433 views

സാധാരണയായി, ആരെങ്കിലും ആഗ്രഹിക്കുമ്പോൾമ്യൂച്വൽ ഫണ്ടുകളിൽ നിക്ഷേപിക്കുക, അവർ ഒരു എടുക്കണമോ എന്ന് ആശയക്കുഴപ്പത്തിലാണ്SIP റൂട്ട് അല്ലെങ്കിൽ ഒരു വലിയ തുക. ഇത് നിങ്ങൾക്ക് ലളിതമാക്കാം! ഡെറ്റ് ഫണ്ടുകളിൽ നിക്ഷേപിക്കാൻ ഉദ്ദേശിക്കുന്ന നിക്ഷേപകർ ഒറ്റത്തവണ പേയ്‌മെന്റ് മോഡ് തിരഞ്ഞെടുക്കണം, അതാണ് ഒരു വലിയ നിക്ഷേപ രീതി. കുറഞ്ഞ കാലയളവിൽ എളുപ്പത്തിൽ നിക്ഷേപിക്കുന്നത് എല്ലായ്പ്പോഴും ബുദ്ധിമാനാണ്ദ്രവ്യത.

ഡെബിറ്റ് മ്യൂച്വൽ ഫണ്ട് നിക്ഷേപത്തിനുള്ള ആകെ തുക എന്തുകൊണ്ട്?

ഒരു വലിയ നിക്ഷേപത്തിന്, ഡെറ്റ് ഫണ്ടുകളെ അപേക്ഷിച്ച് മികച്ച ഓപ്ഷനാണ്ഇക്വിറ്റി മ്യൂച്വൽ ഫണ്ടുകൾ. ഒരു ലംപ് സം റൂട്ട് പലിശനിരക്കിലെ മാറ്റത്തിന്റെ അപകടസാധ്യത കുറയ്ക്കുകയും സ്ഥിര നിക്ഷേപങ്ങളുമായി (എഫ്ഡി) താരതമ്യപ്പെടുത്തുമ്പോൾ മികച്ച വരുമാനം നൽകുകയും ചെയ്യുന്നു. ഒരു കൂട്ടം റൂട്ട് എടുത്ത് നിങ്ങൾ ഡെറ്റ് ഫണ്ടുകളിൽ നിക്ഷേപിക്കുമ്പോൾ, അത് രണ്ട് പ്രശ്നങ്ങൾ പരിഹരിക്കുന്നു- ഒന്ന് നികുതി ആനുകൂല്യങ്ങൾ, മറ്റൊന്ന് വീണ്ടും നിക്ഷേപ റിസ്ക്.

വർദ്ധിച്ചുവരുന്ന പലിശനിരക്കിനിടെ, ഉയർന്ന നിലവാരമുള്ള ഒരു പോർട്ട്‌ഫോളിയോ ഉപയോഗിച്ച് ഡെറ്റ് ഓറിയന്റഡ് ഫണ്ടുകളിൽ ഒരു വലിയ തുക എടുക്കാൻ ഇത് നല്ല സമയമാണ്ബോണ്ടുകൾ. നിഷ്‌ക്രിയ സമ്പാദ്യമുള്ളവരും മികച്ച വരുമാനത്തിനായി നിക്ഷേപിക്കാൻ ആഗ്രഹിക്കുന്നവരുമായ ആളുകൾക്ക് ഈ ഫണ്ടുകൾ സാധാരണയായി അനുയോജ്യമാണ്. എത്ര തുക അടച്ചാലും aമ്യൂച്വൽ ഫണ്ട്.

ചിട്ടയായതുമായി താരതമ്യപ്പെടുത്തുമ്പോൾ ഒരു വലിയ നിക്ഷേപം നന്നായി പ്രവർത്തിക്കുന്നുനിക്ഷേപ പദ്ധതി- വിപണിയിലെ മാന്ദ്യത്തിനിടയിലോ കുറഞ്ഞ മൂല്യനിർണ്ണയത്തിലോ നിക്ഷേപിച്ചാൽ മാത്രം. എന്നിരുന്നാലും, ആകെ തുകനിക്ഷേപം മാര്ക്കറ്റ് മൂല്യനിർണ്ണയം വലിച്ചുനീട്ടുമ്പോഴോ നിങ്ങളുടെ നിക്ഷേപത്തിന്റെ പ്രാരംഭ ഘട്ടത്തില് മാര്ക്കറ്റുകള് കുത്തനെ ശരിയാക്കുമ്പോഴോ ഒരാൾ അമിത നിക്ഷേപം നടത്തുകയാണെങ്കില് പ്രവർത്തിക്കില്ല.

ഡെറ്റ് ഫണ്ടുകളിൽ എങ്ങനെ നിക്ഷേപിക്കാം: ഒരു വിലയിരുത്തൽ നടത്തുക

ഫണ്ട് റിട്ടേൺസ്- ഒരു ഭക്ഷണത്തിന് നല്ല ട്രാക്ക് റെക്കോർഡ് ഉണ്ടായിരിക്കണം. സ്ഥിരമായ പ്രകടനം നൽകുന്നതിന്റെ ശക്തമായ ചരിത്രമുള്ള ഒരു ഫണ്ട് ഹ house സിനായി പോകുക. ഫണ്ടിന്റെ കഴിഞ്ഞ 1, 3, 5 വർഷത്തെ വരുമാനം പരിശോധിക്കുക, അതിന് അതിന്റെ മാനദണ്ഡത്തെ മറികടക്കാൻ കഴിയുമോ ഇല്ലയോ എന്ന് പരിശോധിക്കുക.

മാച്ച് ടൈം ഹൊറൈസൺസ്- ഡെറ്റ് ഫണ്ടുകൾ അതത് മെച്യൂരിറ്റി കാലയളവിനൊപ്പം വിവിധതരം നിക്ഷേപങ്ങൾ വാഗ്ദാനം ചെയ്യുന്നു. നിക്ഷേപകർ‌ അവരുടെ മെച്യൂരിറ്റി കാലയളവിനെ അടിസ്ഥാനമാക്കി നിക്ഷേപം തീരുമാനിക്കേണ്ടതുണ്ട്, അതേസമയം മറ്റുള്ളവരുമായി താരതമ്യപ്പെടുത്താനും കഴിയുംഡെറ്റ് ഫണ്ട് ഉപകരണങ്ങൾ ഉപയോഗിച്ച് അവരുടെ പ്ലാനിന് ഏറ്റവും അനുയോജ്യമായ ഒന്ന് തിരഞ്ഞെടുക്കുക. ഉദാഹരണത്തിന്, നിങ്ങൾ ഒരു വർഷത്തെ നിക്ഷേപ പദ്ധതിയുടെ സമയപരിധി നോക്കുകയാണെങ്കിൽ, ഒരു ഹ്രസ്വകാല ഡെറ്റ് ഫണ്ടിന് അനുയോജ്യമാകും.

ചെലവ് അനുപാതം- ഡെറ്റ് ഫണ്ടുകളിൽ പരിഗണിക്കേണ്ട ഒരു പ്രധാന ഘടകം അതിന്റെ ചെലവ് അനുപാതമാണ്. ഉയർന്ന ചെലവ് അനുപാതം ഫണ്ടുകളുടെ പ്രകടനത്തിൽ വലിയ സ്വാധീനം സൃഷ്ടിക്കുന്നു. ഉദാഹരണത്തിന്,ലിക്വിഡ് ഫണ്ടുകൾ 50 ബി‌പി‌എസ് വരെയുള്ള ഏറ്റവും കുറഞ്ഞ ചെലവ് അനുപാതങ്ങൾ ഉണ്ടായിരിക്കുക (പലിശനിരക്ക് അളക്കുന്നതിനുള്ള ഒരു യൂണിറ്റാണ് ബി‌പി‌എസ്, അതിൽ ഒരു ബി‌പി‌എസ് 1% ന്റെ 1/100 ന് തുല്യമാണ്) അതേസമയം, മറ്റ് ഡെറ്റ് ഫണ്ടുകൾക്ക് 150 ബി‌പി‌എസ് വരെ ഈടാക്കാം. അതിനാൽ, ഒരു ഡെറ്റ് മ്യൂച്വൽ ഫണ്ട് തമ്മിൽ ഒരു തിരഞ്ഞെടുപ്പ് നടത്താൻ, മാനേജുമെന്റ് ഫീസ് അല്ലെങ്കിൽ ഫണ്ട് പ്രവർത്തന ചെലവ് പരിഗണിക്കേണ്ടത് പ്രധാനമാണ്.

മികച്ച 10 മികച്ച തുക കടം മ്യൂച്വൽ ഫണ്ടുകൾ 2020 - 2021

നിന്നുള്ള ഏറ്റവും മികച്ച റാങ്ക് ഫണ്ടുകൾ ചുവടെകടം വിഭാഗങ്ങൾ പ്രാഥമികമായി ഫണ്ടുകൾ ഉള്ളവയാണ്AUM> 2000 കോടി & അൾട്രാ-ഹ്രസ്വ, കോർപ്പറേറ്റ് ബോണ്ട്, ക്രെഡിറ്റ് റിസ്ക്, കുറഞ്ഞ കാലയളവ് ഉപ വിഭാഗങ്ങളിലാണ്.

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Corporate Bond Fund Growth	₹115.88 ↑ 0.09	₹30,132	1,000	2.1	2.2	7.6	7.8	8.5	7.13%	4Y 10M 13D	7Y 7M 2D
Aditya Birla Sun Life Savings Fund Growth	₹564.02 ↑ 0.11	₹22,389	1,000	1.6	3.3	7.6	7.5	7.9	6.81%	5M 19D	6M 22D
HDFC Corporate Bond Fund Growth	₹33.3843 ↑ 0.01	₹36,134	5,000	2	2	7.6	7.8	8.6	6.97%	4Y 3M 7D	7Y 29D
ICICI Prudential Corporate Bond Fund Growth	₹30.7245 ↑ 0.00	₹34,630	5,000	2	2.9	8.1	7.9	8	6.95%	3Y 1M 6D	5Y 8M 1D
SBI Credit Risk Fund Growth	₹46.9639 ↑ 0.02	₹2,190	5,000	1.9	3.2	8.1	8.1	8.1	8.09%	2Y 8M 23D	4Y 3M 11D
Nippon India Prime Debt Fund Growth	₹61.6856 ↑ 0.04	₹10,732	1,000	2	2.4	8.1	7.9	8.4	6.98%	3Y 9M	5Y 29D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Dec 25

Research Highlights & Commentary of 6 Funds showcased

Commentary	Aditya Birla Sun Life Corporate Bond Fund	Aditya Birla Sun Life Savings Fund	HDFC Corporate Bond Fund	ICICI Prudential Corporate Bond Fund	SBI Credit Risk Fund	Nippon India Prime Debt Fund
Point 1	Upper mid AUM (₹30,132 Cr).	Lower mid AUM (₹22,389 Cr).	Highest AUM (₹36,134 Cr).	Upper mid AUM (₹34,630 Cr).	Bottom quartile AUM (₹2,190 Cr).	Bottom quartile AUM (₹10,732 Cr).
Point 2	Oldest track record among peers (28 yrs).	Established history (22+ yrs).	Established history (15+ yrs).	Established history (16+ yrs).	Established history (21+ yrs).	Established history (25+ yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 5★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	1Y return: 7.62% (lower mid).	1Y return: 7.62% (bottom quartile).	1Y return: 7.58% (bottom quartile).	1Y return: 8.11% (top quartile).	1Y return: 8.09% (upper mid).	1Y return: 8.08% (upper mid).
Point 6	1M return: 0.59% (upper mid).	1M return: 0.57% (upper mid).	1M return: 0.45% (bottom quartile).	1M return: 0.56% (lower mid).	1M return: 0.60% (top quartile).	1M return: 0.51% (bottom quartile).
Point 7	Sharpe: 0.79 (bottom quartile).	Sharpe: 3.40 (top quartile).	Sharpe: 0.78 (bottom quartile).	Sharpe: 1.56 (upper mid).	Sharpe: 1.98 (upper mid).	Sharpe: 1.11 (lower mid).
Point 8	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 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.13% (upper mid).	Yield to maturity (debt): 6.81% (bottom quartile).	Yield to maturity (debt): 6.97% (lower mid).	Yield to maturity (debt): 6.95% (bottom quartile).	Yield to maturity (debt): 8.09% (top quartile).	Yield to maturity (debt): 6.98% (upper mid).
Point 10	Modified duration: 4.87 yrs (bottom quartile).	Modified duration: 0.47 yrs (top quartile).	Modified duration: 4.27 yrs (bottom quartile).	Modified duration: 3.10 yrs (upper mid).	Modified duration: 2.73 yrs (upper mid).	Modified duration: 3.75 yrs (lower mid).

Aditya Birla Sun Life Corporate Bond Fund

Upper mid AUM (₹30,132 Cr).
Oldest track record among peers (28 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.62% (lower mid).
1M return: 0.59% (upper mid).
Sharpe: 0.79 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.13% (upper mid).
Modified duration: 4.87 yrs (bottom quartile).

Aditya Birla Sun Life Savings Fund

Lower mid AUM (₹22,389 Cr).
Established history (22+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.62% (bottom quartile).
1M return: 0.57% (upper mid).
Sharpe: 3.40 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 0.47 yrs (top quartile).

HDFC Corporate Bond Fund

Highest AUM (₹36,134 Cr).
Established history (15+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.58% (bottom quartile).
1M return: 0.45% (bottom quartile).
Sharpe: 0.78 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.97% (lower mid).
Modified duration: 4.27 yrs (bottom quartile).

ICICI Prudential Corporate Bond Fund

Upper mid AUM (₹34,630 Cr).
Established history (16+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.11% (top quartile).
1M return: 0.56% (lower mid).
Sharpe: 1.56 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.95% (bottom quartile).
Modified duration: 3.10 yrs (upper mid).

SBI Credit Risk Fund

Bottom quartile AUM (₹2,190 Cr).
Established history (21+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.09% (upper mid).
1M return: 0.60% (top quartile).
Sharpe: 1.98 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.09% (top quartile).
Modified duration: 2.73 yrs (upper mid).

Nippon India Prime Debt Fund

Bottom quartile AUM (₹10,732 Cr).
Established history (25+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.08% (upper mid).
1M return: 0.51% (bottom quartile).
Sharpe: 1.11 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.98% (upper mid).
Modified duration: 3.75 yrs (lower mid).

1. 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

Upper mid AUM (₹30,132 Cr).
Oldest track record among peers (28 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.62% (lower mid).
1M return: 0.59% (upper mid).
Sharpe: 0.79 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.13% (upper mid).
Modified duration: 4.87 yrs (bottom quartile).
Average maturity: 7.59 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.92% Govt Stock 2039 (~8.9%).

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 (02 Dec 25)	₹115.88 ↑ 0.09 (0.08 %)
Net Assets (Cr)	₹30,132 on 31 Oct 25
Category	Debt - Corporate Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.52
Sharpe Ratio	0.79
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.13%
Effective Maturity	7 Years 7 Months 2 Days
Modified Duration	4 Years 10 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,433
30 Nov 22	₹10,821
30 Nov 23	₹11,571
30 Nov 24	₹12,592
30 Nov 25	₹13,576

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 2 Dec 25

Duration	Returns
1 Month	0.6%
3 Month	2.1%
6 Month	2.2%
1 Year	7.6%
3 Year	7.8%
5 Year	6.3%
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	4.56 Yr.

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

Asset Allocation

Asset Class	Value
Cash	4.28%
Debt	95.46%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	54.85%
Government	39.57%
Cash Equivalent	4.28%
Securitized	1.04%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Govt Stock 2039 Sovereign Bonds \| -	9%	₹2,699 Cr	269,236,200 ↓ -2,500,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	8%	₹2,296 Cr	226,500,000
6.68% Govt Stock 2040 Sovereign Bonds \| -	4%	₹1,304 Cr	133,000,000 ↑ 19,500,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹1,154 Cr	113,500 ↑ 5,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	2%	₹719 Cr	72,500,000 ↑ 10,500,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	2%	₹715 Cr	69,161,700 ↓ -1,500,000
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹594 Cr	59,000
Rec Limited Debentures \| -	2%	₹586 Cr	60,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹566 Cr	55,000
Bharti Telecom Limited Debentures \| -	2%	₹510 Cr	50,900 ↑ 10,000

2. Aditya Birla Sun Life Savings Fund

The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents.

Research Highlights for Aditya Birla Sun Life Savings Fund

Lower mid AUM (₹22,389 Cr).
Established history (22+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.62% (bottom quartile).
1M return: 0.57% (upper mid).
Sharpe: 3.40 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 0.47 yrs (top quartile).
Average maturity: 0.56 yrs (top quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~49%).
High-quality debt (AAA/AA ~100%).
Largest holding Shriram Finance Limited (~2.6%).

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

Aditya Birla Sun Life Savings Fund Growth
Launch Date	16 Apr 03
NAV (02 Dec 25)	₹564.02 ↑ 0.11 (0.02 %)
Net Assets (Cr)	₹22,389 on 31 Oct 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	3.4
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.81%
Effective Maturity	6 Months 22 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,392
30 Nov 22	₹10,859
30 Nov 23	₹11,636
30 Nov 24	₹12,535
30 Nov 25	₹13,491

Aditya Birla Sun Life Savings 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 Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Dec 25

Duration	Returns
1 Month	0.6%
3 Month	1.6%
6 Month	3.3%
1 Year	7.6%
3 Year	7.5%
5 Year	6.2%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	7.2%
2022	4.8%
2021	3.9%
2020	7%
2019	8.5%
2018	7.6%
2017	7.2%
2016	9.2%
2015	8.9%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	11.38 Yr.
Kaustubh Gupta	15 Jul 11	14.31 Yr.
Monika Gandhi	22 Mar 21	4.62 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	49.2%
Debt	50.56%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	47.85%
Cash Equivalent	39.2%
Government	12.71%

Credit Quality

Rating	Value
AA	28.73%
AAA	71.27%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Limited Debentures \| -	3%	₹614 Cr	60,000
Nirma Limited Debentures \| -	2%	₹487 Cr	48,500
07.22 GJ Sdl 2028 Sovereign Bonds \| -	2%	₹376 Cr	37,500,000
Muthoot Finance Limited Debentures \| -	2%	₹352 Cr	35,000 ↑ 10,000
Mankind Pharma Limited Debentures \| -	1%	₹348 Cr	34,500
Bank of Baroda Debentures \| -	1%	₹344 Cr	7,000
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹341 Cr	3,400
Avanse Financial Services Limited Debentures \| -	1%	₹301 Cr	30,000
Power Finance Corporation Limited Debentures \| -	1%	₹298 Cr	30,000
ICICI Home Finance Company Limited Debentures \| -	1%	₹272 Cr	27,000

3. HDFC Corporate Bond Fund

(Erstwhile HDFC Medium Term Opportunities Fund)

To generate regular income through investments in Debt/ Money Market Instruments and Government Securities with maturities not exceeding 60 months.

Research Highlights for HDFC Corporate Bond Fund

Highest AUM (₹36,134 Cr).
Established history (15+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.58% (bottom quartile).
1M return: 0.45% (bottom quartile).
Sharpe: 0.78 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.97% (lower mid).
Modified duration: 4.27 yrs (bottom quartile).
Average maturity: 7.08 yrs (bottom quartile).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.68% Govt Stock 2040 (~6.2%).

Below is the key information for HDFC Corporate Bond Fund

HDFC Corporate Bond Fund Growth
Launch Date	29 Jun 10
NAV (02 Dec 25)	₹33.3843 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹36,134 on 31 Oct 25
Category	Debt - Corporate Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	0.78
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	6.97%
Effective Maturity	7 Years 29 Days
Modified Duration	4 Years 3 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,436
30 Nov 22	₹10,745
30 Nov 23	₹11,491
30 Nov 24	₹12,491
30 Nov 25	₹13,465

HDFC 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 HDFC 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 2 Dec 25

Duration	Returns
1 Month	0.5%
3 Month	2%
6 Month	2%
1 Year	7.6%
3 Year	7.8%
5 Year	6.1%
10 Year
15 Year
Since launch	8.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.6%
2023	7.2%
2022	3.3%
2021	3.9%
2020	11.8%
2019	10.3%
2018	6.5%
2017	6.5%
2016	10.6%
2015	8.6%

Fund Manager information for HDFC Corporate Bond Fund

Name	Since	Tenure
Anupam Joshi	27 Oct 15	10.02 Yr.
Dhruv Muchhal	22 Jun 23	2.36 Yr.

Data below for HDFC Corporate Bond Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	3.31%
Debt	96.41%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	55.23%
Government	39.18%
Cash Equivalent	3.33%
Securitized	1.98%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Govt Stock 2040 Sovereign Bonds \| -	6%	₹2,254 Cr	230,000,000
Bajaj Finance Limited Debentures \| -	3%	₹1,132 Cr	112,500
6.9% Govt Stock 2065 Sovereign Bonds \| -	3%	₹1,034 Cr	110,000,000 ↑ 50,000,000
6.82% Govt Stock 2033 Sovereign Bonds \| -	3%	₹919 Cr	89,000,000
State Bank Of India Debentures \| -	2%	₹806 Cr	800
6.92% Govt Stock 2039 Sovereign Bonds \| -	2%	₹752 Cr	75,000,000 ↓ -28,500,000
HDFC Bank Limited Debentures \| -	1%	₹517 Cr	50,000
Small Industries Development Bank Of India Debentures \| -	1%	₹509 Cr	50,000
LIC Housing Finance Ltd Debentures \| -	1%	₹509 Cr	5,000
Rural Electrification Corporation Limited Debentures \| -	1%	₹472 Cr	4,500

4. ICICI Prudential Corporate Bond Fund

(Erstwhile ICICI Prudential Ultra Short Term Plan)

ICICI Prudential Ultra Short Term Plan is an open-ended income fund that intends to generate regular income through investments in a basket of debt and money market instruments of very short maturities with a view to providing reasonable returns, while maintaining an optimum balance of safety, liquidity and yield. However, there can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for ICICI Prudential Corporate Bond Fund

Upper mid AUM (₹34,630 Cr).
Established history (16+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.11% (top quartile).
1M return: 0.56% (lower mid).
Sharpe: 1.56 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.95% (bottom quartile).
Modified duration: 3.10 yrs (upper mid).
Average maturity: 5.67 yrs (lower mid).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~92%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.82% Govt Stock 2033 (~4.6%).

Below is the key information for ICICI Prudential Corporate Bond Fund

ICICI Prudential Corporate Bond Fund Growth
Launch Date	11 Aug 09
NAV (02 Dec 25)	₹30.7245 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹34,630 on 31 Oct 25
Category	Debt - Corporate Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.57
Sharpe Ratio	1.56
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.95%
Effective Maturity	5 Years 8 Months 1 Day
Modified Duration	3 Years 1 Month 6 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,455
30 Nov 22	₹10,876
30 Nov 23	₹11,671
30 Nov 24	₹12,623
30 Nov 25	₹13,664

ICICI Prudential 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 ICICI Prudential 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 2 Dec 25

Duration	Returns
1 Month	0.6%
3 Month	2%
6 Month	2.9%
1 Year	8.1%
3 Year	7.9%
5 Year	6.4%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8%
2023	7.6%
2022	4.5%
2021	4.1%
2020	10.4%
2019	9.9%
2018	6.4%
2017	6.3%
2016	9.8%
2015	8.8%

Fund Manager information for ICICI Prudential Corporate Bond Fund

Name	Since	Tenure
Manish Banthia	22 Jan 24	1.78 Yr.
Ritesh Lunawat	22 Jan 24	1.78 Yr.

Data below for ICICI Prudential Corporate Bond Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	8.28%
Debt	91.72%

Debt Sector Allocation

Sector	Value
Corporate	54.85%
Government	31.46%
Cash Equivalent	8.14%
Securitized	5.55%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.82% Govt Stock 2033 Sovereign Bonds \| -	5%	₹1,601 Cr	155,072,060
LIC Housing Finance Ltd Debentures \| -	4%	₹1,483 Cr	145,500
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	3%	₹1,026 Cr	1,000
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	3%	₹922 Cr	900
7.1% Govt Stock 2034 Sovereign Bonds \| -	2%	₹864 Cr	83,594,780
Pipeline Infrastructure Limited Debentures \| -	2%	₹832 Cr	80,500
7.34% Govt Stock 2064 Sovereign Bonds \| -	2%	₹579 Cr	58,412,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	2%	₹570 Cr	56,222,270 ↓ -11,160,140
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹548 Cr	54,000
6.9% Govt Stock 2065 Sovereign Bonds \| -	2%	₹531 Cr	56,500,000

5. SBI Credit Risk Fund

(Erstwhile SBI Corporate Bond Fund)

The investment objective will be to actively manage a portfolio of good quality corporate debt as well as Money Market Instruments so as to provide reasonable returns and liquidity to the Unit holders. However there is no guarantee or assurance that the investment objective of the scheme will be achieved.

Research Highlights for SBI Credit Risk Fund

Bottom quartile AUM (₹2,190 Cr).
Established history (21+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.09% (upper mid).
1M return: 0.60% (top quartile).
Sharpe: 1.98 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.09% (top quartile).
Modified duration: 2.73 yrs (upper mid).
Average maturity: 4.28 yrs (upper mid).
Exit load: 0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL).
Top sector: Industrials.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~88%).
High-quality debt (AAA/AA ~83%).
Largest holding 6.92% Govt Stock 2039 (~6.9%).

Below is the key information for SBI Credit Risk Fund

SBI Credit Risk Fund Growth
Launch Date	19 Jul 04
NAV (02 Dec 25)	₹46.9639 ↑ 0.02 (0.04 %)
Net Assets (Cr)	₹2,190 on 31 Oct 25
Category	Debt - Credit Risk
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.55
Sharpe Ratio	1.98
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL)
Yield to Maturity	8.09%
Effective Maturity	4 Years 3 Months 11 Days
Modified Duration	2 Years 8 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,526
30 Nov 22	₹10,941
30 Nov 23	₹11,832
30 Nov 24	₹12,798
30 Nov 25	₹13,850

SBI 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 SBI 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 2 Dec 25

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	3.2%
1 Year	8.1%
3 Year	8.1%
5 Year	6.7%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.1%
2023	8.3%
2022	4.2%
2021	5%
2020	9.8%
2019	6.5%
2018	6.2%
2017	6.9%
2016	10.5%
2015	9.7%

Fund Manager information for SBI Credit Risk Fund

Name	Since	Tenure
Lokesh Mallya	1 Feb 17	8.75 Yr.

Data below for SBI Credit Risk Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	8.59%
Equity	3.1%
Debt	87.94%
Other	0.37%

Debt Sector Allocation

Sector	Value
Corporate	68.63%
Government	19.3%
Cash Equivalent	8.59%

Credit Quality

Rating	Value
A	17.05%
AA	62.36%
AAA	20.59%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Govt Stock 2039 Sovereign Bonds \| -	7%	₹150 Cr	15,000,000
Infopark Properties Limited Debentures \| -	5%	₹106 Cr	10,500
Renew Solar Energy (Jharkhand Five) Private Limited Debentures \| -	5%	₹105 Cr	11,000
H.G. Infra Engineering Limited Debentures \| -	5%	₹100 Cr	10,000
Nj Capital Private Limited Debentures \| -	5%	₹100 Cr	10,000
Jtpm Metal TRaders Limited Debentures \| -	4%	₹92 Cr	9,000
The Sandur Manganese And Iron Ores Limited Debentures \| -	4%	₹82 Cr	8,500
Avanse Financial Services Limited Debentures \| -	4%	₹80 Cr	8,000
Renserv Global Private Limited Debentures \| -	4%	₹80 Cr	8,000
Aditya Birla Renewables Limited Debentures \| -	3%	₹76 Cr	7,500

6. Nippon India Prime Debt Fund

(Erstwhile Reliance Medium Term Fund)

The primary investment objective of the Scheme is to generate regular income in order to make regular dividend payments to unit-holders and the secondary objective is growth of capital.

Research Highlights for Nippon India Prime Debt Fund

Bottom quartile AUM (₹10,732 Cr).
Established history (25+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.08% (upper mid).
1M return: 0.51% (bottom quartile).
Sharpe: 1.11 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.98% (upper mid).
Modified duration: 3.75 yrs (lower mid).
Average maturity: 5.08 yrs (upper mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Debt-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.68% Govt Stock 2040 (~6.8%).

Below is the key information for Nippon India Prime Debt Fund

Nippon India Prime Debt Fund Growth
Launch Date	14 Sep 00
NAV (02 Dec 25)	₹61.6856 ↑ 0.04 (0.06 %)
Net Assets (Cr)	₹10,732 on 31 Oct 25
Category	Debt - Corporate Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.71
Sharpe Ratio	1.11
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.98%
Effective Maturity	5 Years 29 Days
Modified Duration	3 Years 9 Months

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,482
30 Nov 22	₹10,913
30 Nov 23	₹11,661
30 Nov 24	₹12,681
30 Nov 25	₹13,729

Nippon India Prime Debt 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 Nippon India Prime 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 2 Dec 25

Duration	Returns
1 Month	0.5%
3 Month	2%
6 Month	2.4%
1 Year	8.1%
3 Year	7.9%
5 Year	6.5%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.4%
2023	7.1%
2022	4.3%
2021	4.7%
2020	9.5%
2019	7.8%
2018	6.9%
2017	6.6%
2016	9.1%
2015	8.7%

Fund Manager information for Nippon India Prime Debt Fund

Name	Since	Tenure
Vivek Sharma	1 Feb 20	5.75 Yr.
Kinjal Desai	25 May 18	7.44 Yr.
Lokesh Maru	5 Sep 25	0.16 Yr.
Divya Sharma	5 Sep 25	0.16 Yr.

Data below for Nippon India Prime Debt Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	4.02%
Debt	95.75%
Other	0.23%

Debt Sector Allocation

Sector	Value
Corporate	51.05%
Government	41.07%
Cash Equivalent	4.02%
Securitized	3.63%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Govt Stock 2040 Sovereign Bonds \| -	7%	₹760 Cr	77,500,000 ↑ 15,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	4%	₹395 Cr	39,000,000 ↓ -1,000,000
7.02% Govt Stock 2031 Sovereign Bonds \| -	2%	₹258 Cr	25,000,000
6.92% Govt Stock 2039 Sovereign Bonds \| -	2%	₹251 Cr	25,000,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹249 Cr	24,500 ↑ 2,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹211 Cr	20,500
Aditya Birla Housing Finance Limited Debentures \| -	2%	₹203 Cr	20,000
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	2%	₹203 Cr	200
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	2%	₹203 Cr	200
7.27% State Government Securities Sovereign Bonds \| -	2%	₹201 Cr	20,000,000

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