2022 साठी टॉप 10 म्युच्युअल फंड

Updated on September 19, 2025 , 43787 views

2022 मध्ये गुंतवणूक करण्यासाठी सर्वोत्तम म्युच्युअल फंड शोधत आहात? असतानागुंतवणूक मध्येम्युच्युअल फंड, गुंतवणूकदारांना सतत परतावा देणारा फंड निवडण्यात अनेकदा अडचण येते.

सर्व अडचणी सोडवण्यासाठी, आम्ही शीर्ष 10 म्युच्युअल फंड योजनांची यादी घेऊन आलो आहोत ज्यामध्ये तुम्ही गुंतवणूक करण्यास प्राधान्य देऊ शकता. हे फंड AUM सारख्या विशिष्ट पॅरामीटर्सद्वारे शॉर्टलिस्ट केले गेले आहेत,नाही, मागील कामगिरी, समवयस्क सरासरी परतावा इ. तुम्ही या योजनांमध्ये दोन प्रकारे गुंतवणूक करू शकता- एकतरSIP मार्ग किंवा एकरकमी मार्ग.

गुंतवणुकीच्या एकरकमी पद्धतीने, गुंतवणूकदार योजनेमध्ये एक-वेळ डाउन पेमेंट म्हणून लक्षणीय रक्कम गुंतवू शकतात, तर SIP मोडमध्ये, गुंतवणूकदार मासिक, त्रैमासिक आणि वार्षिक अशा नियमित अंतराने गुंतवणूक करू शकतात. एकरकमी गुंतवणुकीची किमान रक्कमश्रेणी INR 1000-5000 पासून, तर SIP मध्ये तुम्ही फक्त INR 500 ने गुंतवणूक सुरू करू शकता.

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तुम्ही म्युच्युअल फंडात गुंतवणूक का करावी?

आपण करू शकताम्युच्युअल फंडात गुंतवणूक करा तुमच्या नुसारजोखीम भूक. सर्व प्रकारच्या जोखीम घेणाऱ्यांसाठी अनेक योजना आहेत. पुराणमतवादी गुंतवणूकदारांपासून ते उच्च जोखमीच्या गुंतवणूकदारांपर्यंत प्रत्येकजण म्युच्युअल फंड योजनांमध्ये गुंतवणूक करू शकतो
म्युच्युअल फंड तुम्हाला भरपूर कर लाभ देतात
म्युच्युअल फंड तुम्हाला चांगले परतावा देऊ शकतात आणिरोख प्रवाह इतर पारंपारिक गुंतवणूक पर्याय जसे की एफडी इ.
म्युच्युअल फंडात गुंतवणूक करून तुम्ही योग्य प्रमाणात वैविध्य मिळवू शकता. तुम्ही तुमच्या पोर्टफोलिओमध्ये विविध योजनांची संख्या ठेवू शकता
म्युच्युअल फंड परवडणारे आहेत. एसआयपीद्वारे INR 500 इतक्या कमी रकमेने त्यांची गुंतवणूक सुरू करता येते
तुम्ही गुंतवलेले पैसे तज्ञांच्या टीमद्वारे व्यवस्थापित केले जातात. त्यांच्याकडे रिअल-टाइम ऍक्सेस आहेबाजार आणि ते सर्वात किफायतशीर प्रमाणात व्यवहार करण्यास सक्षम आहेत
तुमची म्युच्युअल फंड गुंतवणूक सुरक्षित हातात आहे. प्रत्येक म्युच्युअल फंड द्वारे नियंत्रित केला जातोसेबी (भारतीय सिक्युरिटीज अँड एक्स्चेंज बोर्ड), त्यामुळे तुम्ही गुंतवलेला सर्व निधी पारदर्शक पद्धतीने चालतो आणि सुरक्षित असतो.

2022 मध्ये गुंतवणूक करण्यासाठी शीर्ष 10 म्युच्युअल फंड

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
DSP US Flexible Equity Fund Growth	₹70.9186 ↑ 0.71	₹1,000	15.3	30.3	29.6	22.6	18.5	17.8
Franklin Asian Equity Fund Growth	₹33.7667 ↑ 0.08	₹260	12	16.5	19.3	12.4	4.7	14.4
Axis Credit Risk Fund Growth	₹21.7827 ↑ 0.01	₹366	1.7	4.8	8.5	7.7	6.9	8
PGIM India Credit Risk Fund Growth	₹15.5876 ↑ 0.00	₹39	0.6	4.4	8.4	3	4.2
UTI Banking & PSU Debt Fund Growth	₹22.2572 ↑ 0.01	₹813	1.3	4.5	8.1	7.3	7.1	7.6
Aditya Birla Sun Life Savings Fund Growth	₹556.548 ↑ 0.06	₹21,521	1.6	4	7.9	7.4	6.2	7.9
Aditya Birla Sun Life Money Manager Fund Growth	₹375.822 ↑ 0.06	₹27,665	1.5	4	7.8	7.6	6.1	7.8
HDFC Corporate Bond Fund Growth	₹32.8937 ↑ 0.00	₹35,700	0.8	4.1	7.7	7.6	6.3	8.6
Aditya Birla Sun Life Corporate Bond Fund Growth	₹114.065 ↑ 0.03	₹28,109	0.8	3.9	7.6	7.7	6.5	8.5
ICICI Prudential Long Term Plan Growth	₹37.3235 ↑ 0.04	₹14,905	0.9	3.8	7.6	7.7	6.7	8.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Sep 25

Research Highlights & Commentary of 10 Funds showcased

Commentary	DSP US Flexible Equity Fund	Franklin Asian Equity Fund	Axis Credit Risk Fund	PGIM India Credit Risk Fund	UTI Banking & PSU Debt Fund	Aditya Birla Sun Life Savings Fund	Aditya Birla Sun Life Money Manager Fund	HDFC Corporate Bond Fund	Aditya Birla Sun Life Corporate Bond Fund	ICICI Prudential Long Term Plan
Point 1	Lower mid AUM (₹1,000 Cr).	Bottom quartile AUM (₹260 Cr).	Bottom quartile AUM (₹366 Cr).	Bottom quartile AUM (₹39 Cr).	Lower mid AUM (₹813 Cr).	Upper mid AUM (₹21,521 Cr).	Upper mid AUM (₹27,665 Cr).	Highest AUM (₹35,700 Cr).	Top quartile AUM (₹28,109 Cr).	Upper mid AUM (₹14,905 Cr).
Point 2	Established history (13+ yrs).	Established history (17+ yrs).	Established history (11+ yrs).	Established history (10+ yrs).	Established history (11+ yrs).	Established history (22+ yrs).	Established history (19+ yrs).	Established history (15+ yrs).	Oldest track record among peers (28 yrs).	Established history (15+ 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: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.
Point 5	5Y return: 18.45% (top quartile).	5Y return: 4.74% (bottom quartile).	1Y return: 8.53% (upper mid).	1Y return: 8.43% (upper mid).	1Y return: 8.06% (upper mid).	1Y return: 7.88% (lower mid).	1Y return: 7.79% (lower mid).	1Y return: 7.66% (bottom quartile).	1Y return: 7.61% (bottom quartile).	1Y return: 7.59% (bottom quartile).
Point 6	3Y return: 22.63% (top quartile).	3Y return: 12.42% (top quartile).	1M return: 0.64% (upper mid).	1M return: 0.27% (bottom quartile).	1M return: 0.50% (upper mid).	1M return: 0.48% (lower mid).	1M return: 0.47% (bottom quartile).	1M return: 0.42% (bottom quartile).	1M return: 0.50% (lower mid).	1M return: 0.59% (upper mid).
Point 7	1Y return: 29.59% (top quartile).	1Y return: 19.30% (top quartile).	Sharpe: 2.16 (upper mid).	Sharpe: 1.73 (upper mid).	Sharpe: 1.46 (upper mid).	Sharpe: 3.66 (top quartile).	Sharpe: 3.32 (top quartile).	Sharpe: 0.68 (lower mid).	Sharpe: 0.66 (bottom quartile).	Sharpe: 0.47 (bottom quartile).
Point 8	Alpha: -2.48 (bottom quartile).	Alpha: 0.00 (top quartile).	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Sharpe: 0.77 (lower mid).	Sharpe: 0.49 (bottom quartile).	Yield to maturity (debt): 7.93% (top quartile).	Yield to maturity (debt): 5.01% (bottom quartile).	Yield to maturity (debt): 6.61% (lower mid).	Yield to maturity (debt): 6.76% (upper mid).	Yield to maturity (debt): 6.24% (lower mid).	Yield to maturity (debt): 7.06% (upper mid).	Yield to maturity (debt): 7.21% (upper mid).	Yield to maturity (debt): 7.64% (top quartile).
Point 10	Information ratio: -0.62 (bottom quartile).	Information ratio: 0.00 (top quartile).	Modified duration: 2.30 yrs (lower mid).	Modified duration: 0.54 yrs (upper mid).	Modified duration: 1.70 yrs (lower mid).	Modified duration: 0.44 yrs (upper mid).	Modified duration: 0.45 yrs (upper mid).	Modified duration: 4.17 yrs (bottom quartile).	Modified duration: 4.69 yrs (bottom quartile).	Modified duration: 4.76 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: 18.45% (top quartile).
3Y return: 22.63% (top quartile).
1Y return: 29.59% (top quartile).
Alpha: -2.48 (bottom quartile).
Sharpe: 0.77 (lower 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: 4.74% (bottom quartile).
3Y return: 12.42% (top quartile).
1Y return: 19.30% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.49 (bottom quartile).
Information ratio: 0.00 (top quartile).

Axis Credit Risk Fund

Bottom quartile AUM (₹366 Cr).
Established history (11+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderate.
1Y return: 8.53% (upper mid).
1M return: 0.64% (upper mid).
Sharpe: 2.16 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.93% (top quartile).
Modified duration: 2.30 yrs (lower mid).

PGIM India Credit Risk Fund

Bottom quartile AUM (₹39 Cr).
Established history (10+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderate.
1Y return: 8.43% (upper mid).
1M return: 0.27% (bottom quartile).
Sharpe: 1.73 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 5.01% (bottom quartile).
Modified duration: 0.54 yrs (upper mid).

UTI Banking & PSU Debt Fund

Lower mid AUM (₹813 Cr).
Established history (11+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderate.
1Y return: 8.06% (upper mid).
1M return: 0.50% (upper mid).
Sharpe: 1.46 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.61% (lower mid).
Modified duration: 1.70 yrs (lower mid).

Aditya Birla Sun Life Savings Fund

Upper mid AUM (₹21,521 Cr).
Established history (22+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.88% (lower mid).
1M return: 0.48% (lower mid).
Sharpe: 3.66 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.76% (upper mid).
Modified duration: 0.44 yrs (upper mid).

Aditya Birla Sun Life Money Manager Fund

Upper mid AUM (₹27,665 Cr).
Established history (19+ yrs).
Rating: 5★ (lower mid).
Risk profile: Low.
1Y return: 7.79% (lower mid).
1M return: 0.47% (bottom quartile).
Sharpe: 3.32 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.24% (lower mid).
Modified duration: 0.45 yrs (upper mid).

HDFC Corporate Bond Fund

Highest AUM (₹35,700 Cr).
Established history (15+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.66% (bottom quartile).
1M return: 0.42% (bottom quartile).
Sharpe: 0.68 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.06% (upper mid).
Modified duration: 4.17 yrs (bottom quartile).

Aditya Birla Sun Life Corporate Bond Fund

Top quartile AUM (₹28,109 Cr).
Oldest track record among peers (28 yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.61% (bottom quartile).
1M return: 0.50% (lower mid).
Sharpe: 0.66 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.21% (upper mid).
Modified duration: 4.69 yrs (bottom quartile).

ICICI Prudential Long Term Plan

Upper mid AUM (₹14,905 Cr).
Established history (15+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.59% (bottom quartile).
1M return: 0.59% (upper mid).
Sharpe: 0.47 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.64% (top quartile).
Modified duration: 4.76 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: 18.45% (top quartile).
3Y return: 22.63% (top quartile).
1Y return: 29.59% (top quartile).
Alpha: -2.48 (bottom quartile).
Sharpe: 0.77 (lower mid).
Information ratio: -0.62 (bottom quartile).

Below is the key information for DSP US Flexible Equity Fund

DSP US Flexible Equity Fund Growth
Launch Date	3 Aug 12
NAV (18 Sep 25)	₹70.9186 ↑ 0.71 (1.01 %)
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

DSP US Flexible Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656 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 18 Sep 25

Duration	Returns
1 Month	5.6%
3 Month	15.3%
6 Month	30.3%
1 Year	29.6%
3 Year	22.6%
5 Year	18.5%
10 Year
15 Year
Since launch	16.1%

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	31.34%
Financial Services	17.84%
Communication Services	14.32%
Health Care	11.78%
Consumer Cyclical	9.65%
Industrials	6.96%
Basic Materials	3.03%
Energy	2.85%

Asset Allocation

Asset Class	Value
Cash	2.23%
Equity	97.76%
Debt	0.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF US Flexible Equity I2 Investment Fund \| -	99%	₹980 Cr	2,024,037
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	1%	₹10 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹1 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: 4.74% (bottom quartile).
3Y return: 12.42% (top quartile).
1Y return: 19.30% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.49 (bottom quartile).
Information ratio: 0.00 (top quartile).

Below is the key information for Franklin Asian Equity Fund

Franklin Asian Equity Fund Growth
Launch Date	16 Jan 08
NAV (18 Sep 25)	₹33.7667 ↑ 0.08 (0.25 %)
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
31 Aug 20	₹10,000
31 Aug 21	₹11,218
31 Aug 22	₹9,229
31 Aug 23	₹9,220
31 Aug 24	₹10,588
31 Aug 25	₹11,829

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 18 Sep 25

Duration	Returns
1 Month	5.8%
3 Month	12%
6 Month	16.5%
1 Year	19.3%
3 Year	12.4%
5 Year	4.7%
10 Year
15 Year
Since launch	7.1%

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	23.98%
Technology	23.94%
Financial Services	22.62%
Industrials	7.13%
Communication Services	5.59%
Health Care	3.86%
Consumer Defensive	3.77%
Basic Materials	2.39%
Real Estate	2.15%
Utility	1.29%

Asset Allocation

Asset Class	Value
Cash	3.3%
Equity	96.7%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Taiwan Semiconductor Manufacturing Co Ltd (Technology) Equity, Since 31 Mar 09 \| 2330	10%	₹27 Cr	79,000 ↓ -32,000
Tencent Holdings Ltd (Communication Services) Equity, Since 31 Jul 14 \| 00700	6%	₹15 Cr	24,600 ↑ 2,300
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 24 \| HDFCBANK	5%	₹14 Cr	68,247
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 24 \| ICICIBANK	5%	₹13 Cr	87,497
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Jul 21 \| 543320	3%	₹9 Cr	287,506
MediaTek Inc (Technology) Equity, Since 31 Aug 20 \| 2454	3%	₹9 Cr	22,000 ↑ 3,000
Samsung Electronics Co Ltd (Technology) Equity, Since 31 Mar 08 \| 005930	3%	₹8 Cr	18,063 ↑ 2,716
AIA Group Ltd (Financial Services) Equity, Since 31 Mar 12 \| 01299	3%	₹8 Cr	95,600
Alibaba Group Holding Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Dec 20 \| 09988	3%	₹8 Cr	59,604 ↓ -10,800
SK Hynix Inc (Technology) Equity, Since 30 Jun 20 \| 000660	3%	₹7 Cr	4,247

3. 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: 8.53% (upper mid).
1M return: 0.64% (upper mid).
Sharpe: 2.16 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.93% (top quartile).
Modified duration: 2.30 yrs (lower mid).
Average maturity: 2.76 yrs (lower mid).
Exit load: 0-12 Months (1%),12 Months and above(NIL).

Below is the key information for Axis Credit Risk Fund

Axis Credit Risk Fund Growth
Launch Date	15 Jul 14
NAV (19 Sep 25)	₹21.7827 ↑ 0.01 (0.03 %)
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
31 Aug 20	₹10,000
31 Aug 21	₹10,788
31 Aug 22	₹11,184
31 Aug 23	₹11,912
31 Aug 24	₹12,820
31 Aug 25	₹13,918

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 18 Sep 25

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	4.8%
1 Year	8.5%
3 Year	7.7%
5 Year	6.9%
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	7.34%
Equity	3.15%
Debt	89.02%
Other	0.48%

Debt Sector Allocation

Sector	Value
Corporate	80.71%
Government	8.31%
Cash Equivalent	7.34%

Credit Quality

Rating	Value
A	11.24%
AA	66.78%
AAA	21.98%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Kohima-Mariani Transmission Limited Debentures \| -	5%	₹20 Cr	2,000
Birla Corporation Limited Debentures \| -	4%	₹16 Cr	230
Jubilant Bevco Limited Debentures \| -	4%	₹16 Cr	1,500
Narayana Hrudayalaya Limited Debentures \| -	4%	₹15 Cr	1,500
Aditya Birla Renewables Limited Debentures \| -	4%	₹15 Cr	1,500
Nirma 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
Altius Telecom Infrastructure Trust Debentures \| -	4%	₹15 Cr	1,500
Delhi International Airport Limited Debentures \| -	4%	₹15 Cr	150

4. 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 (10+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderate.
1Y return: 8.43% (upper mid).
1M return: 0.27% (bottom quartile).
Sharpe: 1.73 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 5.01% (bottom quartile).
Modified duration: 0.54 yrs (upper mid).
Average maturity: 0.59 yrs (upper 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
31 Aug 20	₹10,000
31 Aug 21	₹10,910

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 18 Sep 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

5. 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★ (upper mid).
Risk profile: Moderate.
1Y return: 8.06% (upper mid).
1M return: 0.50% (upper mid).
Sharpe: 1.46 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.61% (lower mid).
Modified duration: 1.70 yrs (lower mid).
Average maturity: 1.94 yrs (lower mid).
Exit load: NIL.

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

UTI Banking & PSU Debt Fund Growth
Launch Date	3 Feb 14
NAV (19 Sep 25)	₹22.2572 ↑ 0.01 (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

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 18 Sep 25

Duration	Returns
1 Month	0.5%
3 Month	1.3%
6 Month	4.5%
1 Year	8.1%
3 Year	7.3%
5 Year	7.1%
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	4.85%
Debt	94.83%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	54.99%
Government	39.84%
Cash Equivalent	4.85%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.38% Govt Stock 2027 Sovereign Bonds \| -	11%	₹93 Cr	900,000,000
Axis Bank Limited Debentures \| -	7%	₹56 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%	₹31 Cr	3,000

6. 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

Upper mid AUM (₹21,521 Cr).
Established history (22+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.88% (lower mid).
1M return: 0.48% (lower mid).
Sharpe: 3.66 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.76% (upper mid).
Modified duration: 0.44 yrs (upper mid).
Average maturity: 0.53 yrs (upper mid).
Exit load: NIL.

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 (19 Sep 25)	₹556.548 ↑ 0.06 (0.01 %)
Net Assets (Cr)	₹21,521 on 31 Aug 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	3.66
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.76%
Effective Maturity	6 Months 11 Days
Modified Duration	5 Months 8 Days
Sub Cat.	Ultrashort Bond

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,454
31 Aug 22	₹10,863
31 Aug 23	₹11,610
31 Aug 24	₹12,473
31 Aug 25	₹13,462

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 18 Sep 25

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	4%
1 Year	7.9%
3 Year	7.4%
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	11.21 Yr.
Kaustubh Gupta	15 Jul 11	14.14 Yr.
Monika Gandhi	22 Mar 21	4.45 Yr.

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

Asset Allocation

Asset Class	Value
Cash	43.54%
Debt	56.21%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	63.99%
Cash Equivalent	23.22%
Government	12.53%

Credit Quality

Rating	Value
AA	30.21%
AAA	69.91%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Limited Debentures \| -	3%	₹614 Cr	60,000
Nirma Limited Debentures \| -	2%	₹488 Cr	48,500
91 Days Tbill Red 30-10-2025 Sovereign Bonds \| -	2%	₹415 Cr	42,000,000
07.22 GJ Sdl 2028 Sovereign Bonds \| -	2%	₹378 Cr	37,500,000
Bharti Telecom Limited Debentures \| -	2%	₹361 Cr	3,600
Mankind Pharma Limited Debentures \| -	2%	₹349 Cr	34,500
Bharti Telecom Limited Debentures \| -	1%	₹321 Cr	3,200
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹316 Cr	3,150
Avanse Financial Services Limited Debentures \| -	1%	₹301 Cr	30,000
Power Finance Corporation Limited Debentures \| -	1%	₹298 Cr	30,000

7. Aditya Birla Sun Life Money Manager Fund

(Erstwhile Aditya Birla Sun Life Floating Rate Fund - Short Term)

The primary objective of the schemes is to generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments. The schemes may invest a portion of its net assets in fixed rate debt securities and money market instruments.

Research Highlights for Aditya Birla Sun Life Money Manager Fund

Upper mid AUM (₹27,665 Cr).
Established history (19+ yrs).
Rating: 5★ (lower mid).
Risk profile: Low.
1Y return: 7.79% (lower mid).
1M return: 0.47% (bottom quartile).
Sharpe: 3.32 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.24% (lower mid).
Modified duration: 0.45 yrs (upper mid).
Average maturity: 0.45 yrs (upper mid).
Exit load: NIL.

Below is the key information for Aditya Birla Sun Life Money Manager Fund

Aditya Birla Sun Life Money Manager Fund Growth
Launch Date	13 Oct 05
NAV (19 Sep 25)	₹375.822 ↑ 0.06 (0.01 %)
Net Assets (Cr)	₹27,665 on 31 Aug 25
Category	Debt - Money Market
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.35
Sharpe Ratio	3.32
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.24%
Effective Maturity	5 Months 12 Days
Modified Duration	5 Months 12 Days
Sub Cat.	Money Market

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,410
31 Aug 22	₹10,822
31 Aug 23	₹11,594
31 Aug 24	₹12,475
31 Aug 25	₹13,457

Aditya Birla Sun Life Money Manager 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 Money Manager Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Sep 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	4%
1 Year	7.8%
3 Year	7.6%
5 Year	6.1%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.8%
2023	7.4%
2022	4.8%
2021	3.8%
2020	6.6%
2019	8%
2018	7.9%
2017	6.8%
2016	7.7%
2015	8.4%

Fund Manager information for Aditya Birla Sun Life Money Manager Fund

Name	Since	Tenure
Kaustubh Gupta	15 Jul 11	14.14 Yr.
Anuj Jain	22 Mar 21	4.45 Yr.
Mohit Sharma	1 Apr 17	8.42 Yr.

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

Asset Allocation

Asset Class	Value
Cash	90.48%
Debt	9.27%
Other	0.25%

Debt Sector Allocation

Sector	Value
Cash Equivalent	43.91%
Corporate	41.88%
Government	13.96%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
5.15% Govt Stock 2025 Sovereign Bonds \| -	2%	₹724 Cr	72,500,000 ↓ -2,500,000
182 DTB 29082025 Sovereign Bonds \| -	2%	₹504 Cr	50,500,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	1%	₹338 Cr	7,000
5.63% Govt Stock 2026 Sovereign Bonds \| -	1%	₹315 Cr	31,500,000
182 Days Tbill Sovereign Bonds \| -	1%	₹299 Cr	30,000,000
India (Republic of) - \| -	1%	₹245 Cr	25,000,000
7.59% Govt Stock 2026 Sovereign Bonds \| -	1%	₹242 Cr	24,000,000
Gs CG 12/12/2025 - (Strips) Tb Sovereign Bonds \| -	1%	₹187 Cr	19,009,500
08.16 KA Sdl 2025 Sovereign Bonds \| -	1%	₹181 Cr	18,000,000
Gs CG 19/12/2025 - (Strips) Tb Sovereign Bonds \| -	1%	₹159 Cr	16,244,600

8. 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 (₹35,700 Cr).
Established history (15+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.66% (bottom quartile).
1M return: 0.42% (bottom quartile).
Sharpe: 0.68 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.06% (upper mid).
Modified duration: 4.17 yrs (bottom quartile).
Average maturity: 4.41 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for HDFC Corporate Bond Fund

HDFC Corporate Bond Fund Growth
Launch Date	29 Jun 10
NAV (19 Sep 25)	₹32.8937 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹35,700 on 31 Aug 25
Category	Debt - Corporate Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	0.68
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.06%
Effective Maturity	4 Years 4 Months 28 Days
Modified Duration	4 Years 2 Months 1 Day
Sub Cat.	Corporate Bond

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,628
31 Aug 22	₹10,922
31 Aug 23	₹11,662
31 Aug 24	₹12,591
31 Aug 25	₹13,577

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 18 Sep 25

Duration	Returns
1 Month	0.4%
3 Month	0.8%
6 Month	4.1%
1 Year	7.7%
3 Year	7.6%
5 Year	6.3%
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	9.85 Yr.
Dhruv Muchhal	22 Jun 23	2.2 Yr.

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

Asset Allocation

Asset Class	Value
Cash	3.09%
Debt	96.64%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	58.29%
Government	38.35%
Cash Equivalent	3.09%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Govt Stock 2039 Sovereign Bonds \| -	7%	₹2,376 Cr	235,000,000
Bajaj Finance Limited Debentures \| -	3%	₹1,126 Cr	112,500
7.81% Govt Stock 2033 Sovereign Bonds \| -	3%	₹925 Cr	89,000,000
6.68% Government Of India Sovereign Bonds \| -	3%	₹906 Cr	91,500,000 ↑ 14,000,000
State Bank Of India Debentures \| -	2%	₹805 Cr	800
HDFC Bank Limited Debentures \| -	1%	₹517 Cr	50,000
LIC Housing Finance Ltd Debentures \| -	1%	₹509 Cr	5,000
Small Industries Development Bank Of India Debentures \| -	1%	₹509 Cr	50,000
6.99% Govt Stock 2034 Sovereign Bonds \| -	1%	₹485 Cr	47,500,000
Rural Electrification Corporation Limited Debentures \| -	1%	₹472 Cr	4,500

9. 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

Top quartile AUM (₹28,109 Cr).
Oldest track record among peers (28 yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.61% (bottom quartile).
1M return: 0.50% (lower mid).
Sharpe: 0.66 (bottom quartile).
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.

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 (19 Sep 25)	₹114.065 ↑ 0.03 (0.03 %)
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

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 18 Sep 25

Duration	Returns
1 Month	0.5%
3 Month	0.8%
6 Month	3.9%
1 Year	7.6%
3 Year	7.7%
5 Year	6.5%
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	3.24%
Debt	96.48%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	57.46%
Government	39.02%
Cash Equivalent	3.24%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Govt Stock 2039 Sovereign Bonds \| -	10%	₹2,718 Cr	268,736,200 ↑ 2,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	8%	₹2,190 Cr	214,500,000 ↑ 11,500,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹1,156 Cr	113,500 ↓ -15,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	3%	₹841 Cr	81,161,700
Small Industries Development Bank Of India Debentures \| -	3%	₹750 Cr	74,550
Small Industries Development Bank Of India Debentures \| -	2%	₹603 Cr	6,000
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹594 Cr	59,000
Rec Limited Debentures \| -	2%	₹585 Cr	60,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	2%	₹574 Cr	56,500,000 ↑ 6,000,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹563 Cr	55,000

10. 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

Upper mid AUM (₹14,905 Cr).
Established history (15+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.59% (bottom quartile).
1M return: 0.59% (upper mid).
Sharpe: 0.47 (bottom quartile).
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).

Below is the key information for ICICI Prudential Long Term Plan

ICICI Prudential Long Term Plan Growth
Launch Date	20 Jan 10
NAV (19 Sep 25)	₹37.3235 ↑ 0.04 (0.11 %)
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
31 Aug 20	₹10,000
31 Aug 21	₹10,705
31 Aug 22	₹11,095
31 Aug 23	₹11,902
31 Aug 24	₹12,848
31 Aug 25	₹13,809

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 18 Sep 25

Duration	Returns
1 Month	0.6%
3 Month	0.9%
6 Month	3.8%
1 Year	7.6%
3 Year	7.7%
5 Year	6.7%
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	5.68%
Debt	94.05%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	47.47%
Government	47.4%
Cash Equivalent	4.86%

Credit Quality

Rating	Value
AA	32.83%
AAA	67.17%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	8%	₹1,201 Cr	118,212,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	7%	₹1,122 Cr	109,945,050 ↑ 56,441,500
LIC Housing Finance Ltd Debentures \| -	6%	₹956 Cr	94,000
7.81% Govt Stock 2033 Sovereign Bonds \| -	5%	₹695 Cr	66,848,050
6.9% Govt Stock 2065 Sovereign Bonds \| -	4%	₹673 Cr	70,000,000
Government Securities Sovereign Bonds \| -	3%	₹517 Cr	51,230,000 ↑ 51,230,000
6.99% Govt Stock 2034 Sovereign Bonds \| -	3%	₹464 Cr	45,460,800
Vedanta Limited Debentures \| -	3%	₹402 Cr	40,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	3%	₹397 Cr	40,000,000
Maharashtra (Government of) - \| -	2%	₹298 Cr	30,000,000

सर्वोत्तम कामगिरी करणारा म्युच्युअल फंड कसा निवडावा?

स्वतःहून चांगला फंड शोधण्याचा सर्वोत्तम मार्ग म्हणजे त्याचे गुणात्मक आणि परिमाणात्मक दोन्ही उपाय पाहणे-

निधी कामगिरी

गुंतवणूकदारांनी ठराविक कालावधीसाठी निधीच्या कामगिरीचे योग्य मूल्यांकन केले पाहिजे. 4-5 वर्षांहून अधिक काळ सातत्याने त्याच्या बेंचमार्कला मागे टाकणारा फंड निवडण्याचा सल्ला दिला जातो.

एयूएम

AUM ही मालमत्ता व्यवस्थापनाखाली आहे. एखाद्याने नेहमी खूप मोठा किंवा खूप लहान नसलेल्या फंडासाठी जावे. फंडाच्या आकारामध्ये कोणतीही परिपूर्ण व्याख्या आणि संबंध नसताना, असे म्हटले जाते की खूप लहान आणि खूप मोठे दोन्ही, फंडाच्या कामगिरीमध्ये अडथळा आणू शकतात.

निधी व्यवस्थापक

आपल्या करिअरमध्ये सातत्य राखणाऱ्या फंड मॅनेजरकडे जाण्याचा सल्ला दिला जातो. फंडाच्या पोर्टफोलिओसाठी गुंतवणुकीचे निर्णय घेण्यासाठी फंड मॅनेजर जबाबदार असतो म्हणून अनुभवी फंड मॅनेजरद्वारे व्यवस्थापित केलेल्या फंडाचा विचार करणे महत्त्वाचे ठरते.

फंड हाऊसची प्रतिष्ठा

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