SIP गुंतवणूक 2022 साठी सर्वोत्कृष्ट बॅलन्स्ड डेट फंड

Updated on February 15, 2026 , 1567 views

बॅलन्स्ड फंड इक्विटी आणि दोन्हीचे संयोजन म्हणून कार्य करतातडेट म्युच्युअल फंड. ठरवलेल्या कर्जामध्ये-संतुलित निधी, त्याच्या पोर्टफोलिओचा एक मोठा भाग कर्जामध्ये गुंतवला जातो आणिपैसा बाजार साधने, तर इक्विटी साधनांमध्ये एक छोटासा भाग. या फंडांमध्ये दीर्घकाळात सातत्यपूर्ण परतावा देण्याची क्षमता आहे. पोर्टफोलिओच्या इक्विटी भागाला वाढत्या इक्विटी मार्केटचा फायदा होईल. तथापि, ज्या गुंतवणूकदारांना सर्वोत्कृष्ट परतावा मिळवायचा आहे त्यांना सर्वोत्तम कामगिरी करणाऱ्या संतुलित कर्जामध्ये गुंतवणूक करण्याचा सल्ला दिला जातोSIP खाली सूचीबद्ध केल्याप्रमाणे निधी.

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SIP मध्ये गुंतवणूक करण्यासाठी शीर्ष 5 सर्वोत्तम कामगिरी करणारे बॅलन्स्ड डेट फंड

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
ICICI Prudential MIP 25 Growth	₹78.0395 ↑ 0.01	₹3,359	100	0.4	2.6	8.7	10.3	7.9	7.6%	2Y 2M 16D	4Y 6M 22D
Kotak Debt Hybrid Fund Growth	₹59.6162 ↑ 0.02	₹3,108	1,000	0.6	2.8	6.9	10.1	5.3	7.44%	7Y 5M 8D	19Y 11D
SBI Debt Hybrid Fund Growth	₹74.8487 ↑ 0.11	₹9,851	500	0.3	3	9	10	6.7	7.48%	3Y 5M 16D	4Y 2M 16D
HDFC Hybrid Debt Fund Growth	₹83.9033 ↑ 0.02	₹3,354	300	0.8	2.7	6.9	10	5.5	7.1%	6Y 3M 7D	12Y 4M 20D
DSP Regular Savings Fund Growth	₹60.1317 ↑ 0.08	₹184	500	0.5	2.3	8	9.9	7.2	6.3%	2Y 9M 11D	4Y 10M 2D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Feb 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential MIP 25	Kotak Debt Hybrid Fund	SBI Debt Hybrid Fund	HDFC Hybrid Debt Fund	DSP Regular Savings Fund
Point 1	Upper mid AUM (₹3,359 Cr).	Bottom quartile AUM (₹3,108 Cr).	Highest AUM (₹9,851 Cr).	Lower mid AUM (₹3,354 Cr).	Bottom quartile AUM (₹184 Cr).
Point 2	Established history (21+ yrs).	Established history (22+ yrs).	Oldest track record among peers (24 yrs).	Established history (22+ yrs).	Established history (21+ yrs).
Point 3	Top rated.	Rating: 4★ (lower mid).	Rating: 5★ (upper mid).	Rating: 4★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 8.75% (bottom quartile).	5Y return: 9.00% (lower mid).	5Y return: 9.22% (top quartile).	5Y return: 9.21% (upper mid).	5Y return: 7.98% (bottom quartile).
Point 6	3Y return: 10.29% (top quartile).	3Y return: 10.12% (upper mid).	3Y return: 10.04% (lower mid).	3Y return: 9.98% (bottom quartile).	3Y return: 9.88% (bottom quartile).
Point 7	1Y return: 8.69% (upper mid).	1Y return: 6.89% (bottom quartile).	1Y return: 9.01% (top quartile).	1Y return: 6.89% (bottom quartile).	1Y return: 8.04% (lower mid).
Point 8	1M return: 0.44% (bottom quartile).	1M return: 0.76% (lower mid).	1M return: 0.90% (upper mid).	1M return: 0.96% (top quartile).	1M return: 0.21% (bottom quartile).
Point 9	Alpha: 0.00 (upper mid).	Alpha: -2.43 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 0.01 (top quartile).
Point 10	Sharpe: 0.57 (top quartile).	Sharpe: -0.12 (bottom quartile).	Sharpe: 0.16 (lower mid).	Sharpe: -0.09 (bottom quartile).	Sharpe: 0.33 (upper mid).

ICICI Prudential MIP 25

Upper mid AUM (₹3,359 Cr).
Established history (21+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 8.75% (bottom quartile).
3Y return: 10.29% (top quartile).
1Y return: 8.69% (upper mid).
1M return: 0.44% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.57 (top quartile).

Kotak Debt Hybrid Fund

Bottom quartile AUM (₹3,108 Cr).
Established history (22+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
5Y return: 9.00% (lower mid).
3Y return: 10.12% (upper mid).
1Y return: 6.89% (bottom quartile).
1M return: 0.76% (lower mid).
Alpha: -2.43 (bottom quartile).
Sharpe: -0.12 (bottom quartile).

SBI Debt Hybrid Fund

Highest AUM (₹9,851 Cr).
Oldest track record among peers (24 yrs).
Rating: 5★ (upper mid).
Risk profile: Moderate.
5Y return: 9.22% (top quartile).
3Y return: 10.04% (lower mid).
1Y return: 9.01% (top quartile).
1M return: 0.90% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.16 (lower mid).

HDFC Hybrid Debt Fund

Lower mid AUM (₹3,354 Cr).
Established history (22+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 9.21% (upper mid).
3Y return: 9.98% (bottom quartile).
1Y return: 6.89% (bottom quartile).
1M return: 0.96% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.09 (bottom quartile).

DSP Regular Savings Fund

Bottom quartile AUM (₹184 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 7.98% (bottom quartile).
3Y return: 9.88% (bottom quartile).
1Y return: 8.04% (lower mid).
1M return: 0.21% (bottom quartile).
Alpha: 0.01 (top quartile).
Sharpe: 0.33 (upper mid).

1. ICICI Prudential MIP 25

The Scheme seeks to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme. However, there can be no assurance that the investment objectives of the Scheme will be realized.

Research Highlights for ICICI Prudential MIP 25

Upper mid AUM (₹3,359 Cr).
Established history (21+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 8.75% (bottom quartile).
3Y return: 10.29% (top quartile).
1Y return: 8.69% (upper mid).
1M return: 0.44% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.57 (top quartile).
Information ratio: 0.00 (lower mid).
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
High-quality debt (AAA/AA ~93%).
Largest holding 6.68% Gs 2040 (~4.8%).

Below is the key information for ICICI Prudential MIP 25

ICICI Prudential MIP 25 Growth
Launch Date	30 Mar 04
NAV (18 Feb 26)	₹78.0395 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹3,359 on 31 Dec 25
Category	Hybrid - Hybrid Debt
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.67
Sharpe Ratio	0.57
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹11,101
31 Jan 23	₹11,552
31 Jan 24	₹13,035
31 Jan 25	₹14,343
31 Jan 26	₹15,432

ICICI Prudential MIP 25 SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹376,357.
Net Profit of ₹76,357 Invest Now

Returns for ICICI Prudential MIP 25

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26

Duration	Returns
1 Month	0.4%
3 Month	0.4%
6 Month	2.6%
1 Year	8.7%
3 Year	10.3%
5 Year	8.7%
10 Year
15 Year
Since launch	9.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	11.4%
2022	11.4%
2021	5.1%
2020	9.9%
2019	10.9%
2018	9.6%
2017	5.1%
2016	12.9%
2015	10.9%

Fund Manager information for ICICI Prudential MIP 25

Name	Since	Tenure
Manish Banthia	19 Sep 13	12.38 Yr.
Akhil Kakkar	22 Jan 24	2.03 Yr.
Roshan Chutkey	2 May 22	3.76 Yr.
Sharmila D’mello	31 Jul 22	3.51 Yr.

Data below for ICICI Prudential MIP 25 as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	12.24%
Equity	23.73%
Debt	63.74%
Other	0.29%

Equity Sector Allocation

Sector	Value
Financial Services	6.57%
Consumer Cyclical	3.18%
Technology	2.28%
Health Care	2.12%
Consumer Defensive	1.93%
Communication Services	1.89%
Real Estate	1.47%
Energy	1.23%
Industrials	1.2%
Utility	1.19%
Basic Materials	0.66%

Debt Sector Allocation

Sector	Value
Corporate	45.25%
Government	22.08%
Cash Equivalent	8.64%

Credit Quality

Rating	Value
A	7.37%
AA	42.78%
AAA	49.85%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Gs 2040 Sovereign Bonds \| -	5%	₹159 Cr	16,464,700
6.90% Gs 2065 Sovereign Bonds \| -	4%	₹140 Cr	15,000,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹100 Cr	10,000
Manappuram Finance Limited Debentures \| -	3%	₹100 Cr	10,000
Adani Enterprises Limited Debentures \| -	3%	₹99 Cr	10,000
L&T Metro Rail (Hyderabad) Limited Debentures \| -	2%	₹80 Cr	800
Goi Frb 2034 Sovereign Bonds \| -	2%	₹75 Cr	7,409,560
360 One Prime Limited Debentures \| -	2%	₹75 Cr	7,500
Yes Bank Limited Debentures \| -	2%	₹64 Cr	650
Godrej Properties Limited Debentures \| -	2%	₹51 Cr	5,000

2. Kotak Debt Hybrid Fund

(Erstwhile Kotak Monthly Income Plan)

To enhance returns over a portfolio of debt instruments with a moderate exposure in equity and equity related instruments.

Research Highlights for Kotak Debt Hybrid Fund

Bottom quartile AUM (₹3,108 Cr).
Established history (22+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
5Y return: 9.00% (lower mid).
3Y return: 10.12% (upper mid).
1Y return: 6.89% (bottom quartile).
1M return: 0.76% (lower mid).
Alpha: -2.43 (bottom quartile).
Sharpe: -0.12 (bottom quartile).
Information ratio: 0.56 (upper mid).
Top sector: Financial Services.
Top bond sector: Government.
High-quality debt (AAA/AA ~100%).
Largest holding 7.34% Gs 2064 (~14.6%).

Below is the key information for Kotak Debt Hybrid Fund

Kotak Debt Hybrid Fund Growth
Launch Date	2 Dec 03
NAV (18 Feb 26)	₹59.6162 ↑ 0.02 (0.03 %)
Net Assets (Cr)	₹3,108 on 31 Dec 25
Category	Hybrid - Hybrid Debt
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.68
Sharpe Ratio	-0.12
Information Ratio	0.56
Alpha Ratio	-2.43
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹11,345
31 Jan 23	₹11,759
31 Jan 24	₹13,626
31 Jan 25	₹14,886
31 Jan 26	₹15,572

Kotak Debt Hybrid Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859 Invest Now

Returns for Kotak Debt Hybrid 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 Feb 26

Duration	Returns
1 Month	0.8%
3 Month	0.6%
6 Month	2.8%
1 Year	6.9%
3 Year	10.1%
5 Year	9%
10 Year
15 Year
Since launch	8.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	5.3%
2023	11.4%
2022	13.9%
2021	4.3%
2020	13.3%
2019	13.9%
2018	11.2%
2017	-0.1%
2016	10.2%
2015	13%

Fund Manager information for Kotak Debt Hybrid Fund

Name	Since	Tenure
Abhishek Bisen	1 Apr 08	17.85 Yr.
Shibani Kurian	3 Sep 24	1.41 Yr.

Data below for Kotak Debt Hybrid Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	18.3%
Equity	23.55%
Debt	57.86%
Other	0.29%

Equity Sector Allocation

Sector	Value
Financial Services	6.96%
Consumer Cyclical	2.78%
Technology	2.4%
Health Care	1.88%
Industrials	1.56%
Communication Services	1.51%
Consumer Defensive	1.43%
Energy	1.41%
Basic Materials	1.38%
Utility	1.23%
Real Estate	1.03%

Debt Sector Allocation

Sector	Value
Government	37.76%
Corporate	20.91%
Cash Equivalent	17.49%

Credit Quality

Rating	Value
A	0.02%
AA	20.28%
AAA	79.7%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Gs 2064 Sovereign Bonds \| -	15%	₹445 Cr	44,958,000 ↓ -4,710,400
7.30% Gs 2053 Sovereign Bonds \| -	5%	₹139 Cr	13,979,980 ↓ -7,000,000
Jtpm Metal TRaders Limited Debentures \| -	3%	₹103 Cr	10,000
Punjab National Bank Domestic Bonds \| -	3%	₹99 Cr	10,000 ↑ 10,000
7.09% Gs 2074 Sovereign Bonds \| -	3%	₹93 Cr	9,665,060 ↓ -3,584,940
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	2%	₹75 Cr	75
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	2%	₹75 Cr	75
National Housing Bank Debentures \| -	2%	₹58 Cr	6,000
6.90% Gs 2065 Sovereign Bonds \| -	2%	₹56 Cr	5,980,000 ↓ -1,500,000
Telangana State Industrial Infrastructure Corporation Limited Debentures \| -	2%	₹49 Cr	4,850

3. SBI Debt Hybrid Fund

(Erstwhile SBI Magnum Monthly Income Plan)

To provide regular income, liquidity and attractive returns to the investors through an actively managed portfolio of debt, equity and money market instruments. Income may be generated through the receipt of coupon payments, the amortization of the discount on the debt instruments, receipt of dividends or purchase and sale of securities in the underlying portfolio.

Research Highlights for SBI Debt Hybrid Fund

Highest AUM (₹9,851 Cr).
Oldest track record among peers (24 yrs).
Rating: 5★ (upper mid).
Risk profile: Moderate.
5Y return: 9.22% (top quartile).
3Y return: 10.04% (lower mid).
1Y return: 9.01% (top quartile).
1M return: 0.90% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.16 (lower mid).
Information ratio: 0.00 (bottom quartile).
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~70%).
High-quality debt (AAA/AA ~97%).
Largest holding 7.18% Gs 2033 (~3.2%).

Below is the key information for SBI Debt Hybrid Fund

SBI Debt Hybrid Fund Growth
Launch Date	9 Apr 01
NAV (18 Feb 26)	₹74.8487 ↑ 0.11 (0.15 %)
Net Assets (Cr)	₹9,851 on 31 Dec 25
Category	Hybrid - Hybrid Debt
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	1.23
Sharpe Ratio	0.16
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹11,345
31 Jan 23	₹11,903
31 Jan 24	₹13,533
31 Jan 25	₹14,736
31 Jan 26	₹15,701

SBI Debt Hybrid Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859 Invest Now

Returns for SBI Debt Hybrid 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 Feb 26

Duration	Returns
1 Month	0.9%
3 Month	0.3%
6 Month	3%
1 Year	9%
3 Year	10%
5 Year	9.2%
10 Year
15 Year
Since launch	8.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.7%
2023	11%
2022	12.2%
2021	4.5%
2020	14.1%
2019	13.5%
2018	8.1%
2017	-0.2%
2016	8.5%
2015	12.5%

Fund Manager information for SBI Debt Hybrid Fund

Name	Since	Tenure
Saurabh Pant	1 Jan 22	4.09 Yr.
Mansi Sajeja	30 Jun 21	4.59 Yr.
Milind Agrawal	1 Aug 25	0.5 Yr.

Data below for SBI Debt Hybrid Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	6.41%
Equity	23.09%
Debt	70.21%
Other	0.3%

Equity Sector Allocation

Sector	Value
Financial Services	6.14%
Basic Materials	5.36%
Industrials	4%
Consumer Cyclical	2.35%
Health Care	2.03%
Consumer Defensive	1.89%
Energy	1.32%

Debt Sector Allocation

Sector	Value
Corporate	58.25%
Government	11.96%
Cash Equivalent	6.41%

Credit Quality

Rating	Value
A	2.61%
AA	49.85%
AAA	47.54%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Gs 2033 Sovereign Bonds \| -	3%	₹308 Cr	30,000,000
TATA Power Renewable Energy Limited Debentures \| -	3%	₹307 Cr	30,000
Aditya Birla Renewables Limited Debentures \| -	3%	₹301 Cr	30,000
Infopark Properties Limited Debentures \| -	3%	₹300 Cr	30,000
Adani Power Limited Debentures \| -	3%	₹299 Cr	30,000 ↑ 30,000
Jtpm Metal TRaders Limited Debentures \| -	3%	₹258 Cr	25,000
Bajaj Finance Limited Debentures \| -	3%	₹252 Cr	25,000
LIC Housing Finance Ltd Debentures \| -	2%	₹225 Cr	22,500
7.24% Gs 2055 Sovereign Bonds \| -	2%	₹222 Cr	22,500,000 ↑ 22,500,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	2%	₹205 Cr	20,000

4. HDFC Hybrid Debt Fund

(Erstwhile HDFC MF Monthly Income Plan - LTP)

The primary objective of Scheme is to generate regular returns through investment primarily in Debt and Money Market Instruments. The secondary objective of the Scheme is to generate long-term capital appreciation by investing a portion of the Scheme`s assets in equity and equity related instruments. However, there can be no assurance that the investment objective of the Scheme will be achieved.

Research Highlights for HDFC Hybrid Debt Fund

Lower mid AUM (₹3,354 Cr).
Established history (22+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 9.21% (upper mid).
3Y return: 9.98% (bottom quartile).
1Y return: 6.89% (bottom quartile).
1M return: 0.96% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.09 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Top sector: Financial Services.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~75%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.34% Gs 2064 (~4.2%).

Below is the key information for HDFC Hybrid Debt Fund

HDFC Hybrid Debt Fund Growth
Launch Date	26 Dec 03
NAV (18 Feb 26)	₹83.9033 ↑ 0.02 (0.02 %)
Net Assets (Cr)	₹3,354 on 31 Dec 25
Category	Hybrid - Hybrid Debt
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.76
Sharpe Ratio	-0.09
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹11,405
31 Jan 23	₹12,007
31 Jan 24	₹13,873
31 Jan 25	₹15,069
31 Jan 26	₹15,838

HDFC Hybrid Debt Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859 Invest Now

Returns for HDFC Hybrid 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 Feb 26

Duration	Returns
1 Month	1%
3 Month	0.8%
6 Month	2.7%
1 Year	6.9%
3 Year	10%
5 Year	9.2%
10 Year
15 Year
Since launch	10.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	5.5%
2023	10.5%
2022	13.9%
2021	6%
2020	13.4%
2019	10.2%
2018	6.6%
2017	0.6%
2016	10.8%
2015	13%

Fund Manager information for HDFC Hybrid Debt Fund

Name	Since	Tenure
Shobhit Mehrotra	1 Sep 07	18.43 Yr.
Srinivasan Ramamurthy	14 Dec 21	4.13 Yr.
Dhruv Muchhal	22 Jun 23	2.61 Yr.

Data below for HDFC Hybrid Debt Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	3.16%
Equity	21.52%
Debt	75.03%
Other	0.29%

Equity Sector Allocation

Sector	Value
Financial Services	8.94%
Energy	2.52%
Technology	2.21%
Industrials	1.59%
Health Care	1.58%
Utility	1.39%
Consumer Cyclical	1.01%
Communication Services	0.98%
Real Estate	0.65%
Consumer Defensive	0.48%
Basic Materials	0.16%

Debt Sector Allocation

Sector	Value
Government	51.5%
Corporate	23.54%
Cash Equivalent	3.16%

Credit Quality

Rating	Value
AA	3.64%
AAA	96.36%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Gs 2064 Sovereign Bonds \| -	4%	₹138 Cr	14,000,000
7.09% Gs 2054 Sovereign Bonds \| -	3%	₹111 Cr	11,500,000
Goi Frb 2034 Sovereign Bonds \| -	3%	₹102 Cr	10,000,000
7.23% Gs 2039 Sovereign Bonds \| -	3%	₹101 Cr	10,000,000
Indian Railway Finance Corporation Limited Debentures \| -	2%	₹82 Cr	800
7.30% Gs 2053 Sovereign Bonds \| -	2%	₹74 Cr	7,500,000 ↓ -1,000,000
7.18% Gs 2037 Sovereign Bonds \| -	2%	₹71 Cr	7,000,000
6.79% Gs 2034 Sovereign Bonds \| -	2%	₹70 Cr	7,000,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	2%	₹68 Cr	500,000
6.33% Gs 2035 Sovereign Bonds \| -	2%	₹66 Cr	6,739,400

5. DSP Regular Savings Fund

(Erstwhile DSP BlackRock MIP Fund)

The scheme is seeking to generate an attractive return, consistent with prudent risk, from a portfolio which is substantially constituted of quality debt securities. The scheme will also seek to generate capital appreciation by investing a smaller portion of its corpus in equity and equity related securities of the 100 largest corporates by market capitalisation, listed in India.

Research Highlights for DSP Regular Savings Fund

Bottom quartile AUM (₹184 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 7.98% (bottom quartile).
3Y return: 9.88% (bottom quartile).
1Y return: 8.04% (lower mid).
1M return: 0.21% (bottom quartile).
Alpha: 0.01 (top quartile).
Sharpe: 0.33 (upper mid).
Information ratio: 0.67 (top quartile).
Top sector: Financial Services.
Higher exposure to Government (bond sector) vs peer median.
High-quality debt (AAA/AA ~100%).
Largest holding Goi Floating Rate Bond 2033 (~11.6%).

Below is the key information for DSP Regular Savings Fund

DSP Regular Savings Fund Growth
Launch Date	11 Jun 04
NAV (18 Feb 26)	₹60.1317 ↑ 0.08 (0.13 %)
Net Assets (Cr)	₹184 on 31 Dec 25
Category	Hybrid - Hybrid Debt
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.12
Sharpe Ratio	0.33
Information Ratio	0.67
Alpha Ratio	0.01
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,924
31 Jan 23	₹11,189
31 Jan 24	₹12,574
31 Jan 25	₹13,868
31 Jan 26	₹14,835

DSP Regular Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹367,070.
Net Profit of ₹67,070 Invest Now

Returns for DSP Regular 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 Feb 26

Duration	Returns
1 Month	0.2%
3 Month	0.5%
6 Month	2.3%
1 Year	8%
3 Year	9.9%
5 Year	8%
10 Year
15 Year
Since launch	8.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	11%
2022	12%
2021	3.5%
2020	7.8%
2019	9.3%
2018	6.9%
2017	-5.3%
2016	11%
2015	10.7%

Fund Manager information for DSP Regular Savings Fund

Name	Since	Tenure
Abhishek Singh	31 May 21	4.67 Yr.
Shantanu Godambe	1 Aug 24	1.5 Yr.

Data below for DSP Regular Savings Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	16.17%
Equity	19.11%
Debt	63.59%
Other	1.13%

Equity Sector Allocation

Sector	Value
Financial Services	9.52%
Health Care	2.36%
Consumer Cyclical	1.54%
Technology	1.25%
Utility	1.16%
Consumer Defensive	0.93%
Energy	0.78%
Basic Materials	0.68%
Industrials	0.51%
Communication Services	0.37%

Debt Sector Allocation

Sector	Value
Government	59.45%
Cash Equivalent	11.06%
Corporate	9.25%

Credit Quality

Rating	Value
AA	5.89%
AAA	94.11%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Goi Floating Rate Bond 2033 Sovereign Bonds \| -	12%	₹21 Cr	2,000,000
7.32% Gs 2030 Sovereign Bonds \| -	12%	₹21 Cr	2,000,000
7.03% Maharashtra Sgs 2038 Sovereign Bonds \| -	8%	₹15 Cr	1,500,000 ↑ 1,500,000
7.06% Gs 2028 Sovereign Bonds \| -	6%	₹10 Cr	1,000,000
6.33% Gs 2035 Sovereign Bonds \| -	5%	₹10 Cr	1,000,000
Muthoot Finance Limited Debentures \| -	4%	₹8 Cr	750
7.37% Gs 2028 Sovereign Bonds \| -	3%	₹5 Cr	500,000
7.10% Gs 2029 Sovereign Bonds \| -	3%	₹5 Cr	500,000
7.10% Gs 2034 Sovereign Bonds \| -	3%	₹5 Cr	500,000
Goi Floating Rate Bond 2031 Sovereign Bonds \| -	3%	₹5 Cr	500,000

Disclaimer:
येथे प्रदान केलेली माहिती अचूक असल्याची खात्री करण्यासाठी सर्व प्रयत्न केले गेले आहेत. तथापि, डेटाच्या अचूकतेबद्दल कोणतीही हमी दिली जात नाही. कृपया कोणतीही गुंतवणूक करण्यापूर्वी योजना माहिती दस्तऐवजासह सत्यापित करा.