तुमच्या एकरकमी गुंतवणूकीसाठी कर्ज म्युच्युअल फंड

Updated on August 1, 2026 , 2848 views

सहसा, जेव्हा कोणाला पाहिजे असेलम्युच्युअल फंडामध्ये गुंतवणूक करा, ते घेतले तर ते गोंधळतातएसआयपी मार्ग किंवा एकमुखी रक्कम चला आपल्यासाठी हे सोपे करूया! जे गुंतवणूकदार कर्ज फंडात गुंतवणूकीची योजना आखत आहेत त्यांनी एक-वेळची पेमेंट मोड निवडणे आवश्यक आहे, ही गुंतवणूकीची एकमुखी पद्धत आहे. कमी कालावधीसाठी सहजसह गुंतवणूक करणे नेहमी शहाणपणाचे असतेतरलता.

कर्ज म्युच्युअल फंडाच्या गुंतवणूकीसाठी एकमुखी सम रक्कम का?

एकरकमी गुंतवणूकीच्या तुलनेत कर्ज फंड हा एक चांगला पर्याय आहेइक्विटी म्युच्युअल फंड. एकमुखी मार्ग व्याजदरामध्ये बदल होण्याचे जोखीम कमी करते तसेच मुदत ठेवींच्या (एफडी) तुलनेत चांगला परतावा देते. तद्वतच, जेव्हा तुम्ही कर्जाच्या रकमेमध्ये एकमुखी मार्ग काढत गुंतवणूक करता तेव्हा ते दोन समस्यांचे निराकरण करते - एक म्हणजे कर लाभ आणि दुसरे म्हणजे पुन्हा गुंतवणूकीचा धोका.

वाढत्या व्याजदरादरम्यान, कर्जाभिमुख फंडांमध्ये उच्च-गुणवत्तेच्या पोर्टफोलिओसह एकरकमी मार्ग काढण्याची योग्य वेळ आहे.बाँड. हे फंड सामान्यत: अशा लोकांसाठी योग्य असतात ज्यांना निष्क्रिय बचत असते आणि चांगल्या परताव्यासाठी गुंतवणूक करण्याची इच्छा असते. एकरकमी कितीही एकरकमी पेमेंट करता येईलम्युच्युअल फंड.

पद्धतशीर तुलनेत एकमुखी गुंतवणूक चांगली कार्य करतेगुंतवणूकीची योजना- केवळ जर बाजारातील उतार किंवा कमी मूल्यांकनावर गुंतवणूक केली गेली असेल. तथापि, एकमुखी रक्कमगुंतवणूक बाजाराचे मूल्यांकन वाढवित असताना किंवा गुंतवणूकीच्या सुरुवातीच्या टप्प्यात जेव्हा बाजारात सुधारणा होते तेव्हा एखादी जास्त गुंतवणूक करत असेल तर ती कार्य करू शकत नाही.

डेबिट फंडात कशी गुंतवणूक करावी: मूल्यांकन करा

निधी परतावा- अन्नाची नोंद चांगली असू शकते. फंड हाऊससाठी जा ज्यात सातत्यपूर्ण कामगिरी सादर करण्याचा मजबूत इतिहास आहे. फंडाचे मागील 1, 3 आणि 5 वर्षाचे रिटर्न तपासा आणि जर तो त्याच्या बेंचमार्कला हरवू शकला किंवा नाही.

वेळ होरायझन्स सामना- डेबिट फंड्स त्याच्या संबंधित मॅच्युरिटी कालावधीसह गुंतवणूकीच्या विविध निवडी देतात. गुंतवणूकदारांना त्यांच्या परिपक्वता कालावधीच्या आधारे गुंतवणूकीचा निर्णय घेण्याची आवश्यकता असते, तर ते इतरांशी देखील तुलना करू शकतातडेबिट फंड इन्स्ट्रुमेंट्स निवडा आणि त्यांच्या योजनेसाठी सर्वोत्तम अनुरुप निवडा. उदाहरणार्थ, जर आपण नंतर एक वर्षाच्या गुंतवणूकीच्या योजनेची मुदत पहात असाल तर, अल्प मुदतीचा कर्ज फंड आदर्शपणे भागवू शकेल.

खर्च प्रमाण- कर्ज फंडांमध्ये विचारात घेण्याजोगा एक महत्त्वाचा घटक म्हणजे त्याच्या खर्चाचे प्रमाण. उच्च खर्च अनुपात निधीच्या कार्यक्षमतेवर मोठा प्रभाव पाडते. उदाहरणार्थ,लिक्विड फंड b० बीपीएस पर्यंतचे सर्वात कमी खर्चाचे प्रमाण आहे (बीपीएस व्याज दर मोजण्यासाठी एक युनिट आहे ज्यामध्ये एक बीपीएस १% च्या १ / १० व्या बरोबरीचा आहे) तर, इतर कर्ज फंड १ 150० बीपीएस पर्यंत आकारू शकतात. तर एका डेट म्युच्युअल फंडामध्ये निवड करण्यासाठी मॅनेजमेंट फी किंवा फंड चालू खर्च यावर विचार करणे आवश्यक आहे.

शीर्ष 10 बेस्ट लंप सम सम कर्ज कर्ज म्युच्युअल फंड 2020 - 2021

खाली शीर्ष क्रमांकाचा निधी आहेकर्ज श्रेण्या प्रामुख्याने निधी असणेएयूएम> 2000 कोटी आणि अल्ट्रा-शॉर्ट, कॉर्पोरेट बाँड, पत जोखीम, कमी कालावधीच्या उप श्रेणींमध्ये आहेत.

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2025 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹587.285 ↑ 0.43	₹17,816	1,000	1.8	3.3	6.3	7.3	7.4	7.45%	5M 26D	6M 18D
Aditya Birla Sun Life Corporate Bond Fund Growth	₹119.477 ↑ 0.06	₹23,841	1,000	2.6	3.2	4.8	7.2	7.4	7.34%	4Y 1M 6D	6Y 7M 28D
HDFC Corporate Bond Fund Growth	₹34.4262 ↑ 0.02	₹30,721	5,000	2.7	3.2	4.7	7.2	7.3	7.79%	4Y 18D	6Y 11M 12D
SBI Credit Risk Fund Growth	₹49.3712 ↑ 0.05	₹2,175	5,000	2.9	4.6	7.3	7.8	7.9	8.7%	2Y 22D	2Y 8M 23D
HDFC Credit Risk Debt Fund Growth	₹25.908 ↑ 0.02	₹7,693	5,000	2.5	3.9	6.8	7.6	8	8.8%	2Y 2M 23D	3Y 5M 23D
ICICI Prudential Savings Fund Growth	₹583.021 ↑ 0.42	₹22,339	500	1.9	3.3	6.3	7.4	7.7	7.95%	11M 12D	1Y 3M 29D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Aug 26

Research Highlights & Commentary of 6 Funds showcased

Commentary	Aditya Birla Sun Life Savings Fund	Aditya Birla Sun Life Corporate Bond Fund	HDFC Corporate Bond Fund	SBI Credit Risk Fund	HDFC Credit Risk Debt Fund	ICICI Prudential Savings Fund
Point 1	Lower mid AUM (₹17,816 Cr).	Upper mid AUM (₹23,841 Cr).	Highest AUM (₹30,721 Cr).	Bottom quartile AUM (₹2,175 Cr).	Bottom quartile AUM (₹7,693 Cr).	Upper mid AUM (₹22,339 Cr).
Point 2	Established history (23+ yrs).	Oldest track record among peers (29 yrs).	Established history (16+ yrs).	Established history (22+ yrs).	Established history (12+ yrs).	Established history (23+ 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: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	1Y return: 6.30% (lower mid).	1Y return: 4.81% (bottom quartile).	1Y return: 4.72% (bottom quartile).	1Y return: 7.30% (top quartile).	1Y return: 6.80% (upper mid).	1Y return: 6.31% (upper mid).
Point 6	1M return: 0.44% (top quartile).	1M return: 0.02% (bottom quartile).	1M return: 0.03% (bottom quartile).	1M return: 0.25% (lower mid).	1M return: 0.34% (upper mid).	1M return: 0.40% (upper mid).
Point 7	Sharpe: 0.91 (upper mid).	Sharpe: -0.10 (bottom quartile).	Sharpe: -0.14 (bottom quartile).	Sharpe: 1.03 (top quartile).	Sharpe: 0.73 (lower mid).	Sharpe: 0.78 (upper 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): 7.45% (bottom quartile).	Yield to maturity (debt): 7.34% (bottom quartile).	Yield to maturity (debt): 7.79% (lower mid).	Yield to maturity (debt): 8.70% (upper mid).	Yield to maturity (debt): 8.80% (top quartile).	Yield to maturity (debt): 7.95% (upper mid).
Point 10	Modified duration: 0.49 yrs (top quartile).	Modified duration: 4.10 yrs (bottom quartile).	Modified duration: 4.05 yrs (bottom quartile).	Modified duration: 2.06 yrs (upper mid).	Modified duration: 2.23 yrs (lower mid).	Modified duration: 0.95 yrs (upper mid).

Aditya Birla Sun Life Savings Fund

Lower mid AUM (₹17,816 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.30% (lower mid).
1M return: 0.44% (top quartile).
Sharpe: 0.91 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.45% (bottom quartile).
Modified duration: 0.49 yrs (top quartile).

Aditya Birla Sun Life Corporate Bond Fund

Upper mid AUM (₹23,841 Cr).
Oldest track record among peers (29 yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 4.81% (bottom quartile).
1M return: 0.02% (bottom quartile).
Sharpe: -0.10 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.34% (bottom quartile).
Modified duration: 4.10 yrs (bottom quartile).

HDFC Corporate Bond Fund

Highest AUM (₹30,721 Cr).
Established history (16+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 4.72% (bottom quartile).
1M return: 0.03% (bottom quartile).
Sharpe: -0.14 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.79% (lower mid).
Modified duration: 4.05 yrs (bottom quartile).

SBI Credit Risk Fund

Bottom quartile AUM (₹2,175 Cr).
Established history (22+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 7.30% (top quartile).
1M return: 0.25% (lower mid).
Sharpe: 1.03 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.70% (upper mid).
Modified duration: 2.06 yrs (upper mid).

HDFC Credit Risk Debt Fund

Bottom quartile AUM (₹7,693 Cr).
Established history (12+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.80% (upper mid).
1M return: 0.34% (upper mid).
Sharpe: 0.73 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.80% (top quartile).
Modified duration: 2.23 yrs (lower mid).

ICICI Prudential Savings Fund

Upper mid AUM (₹22,339 Cr).
Established history (23+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.31% (upper mid).
1M return: 0.40% (upper mid).
Sharpe: 0.78 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.95% (upper mid).
Modified duration: 0.95 yrs (upper mid).

1. 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 (₹17,816 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.30% (lower mid).
1M return: 0.44% (top quartile).
Sharpe: 0.91 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.45% (bottom quartile).
Modified duration: 0.49 yrs (top quartile).
Average maturity: 0.55 yrs (top quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Debt-heavy allocation (~67%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~4.7%).

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 (03 Aug 26)	₹587.285 ↑ 0.43 (0.07 %)
Net Assets (Cr)	₹17,816 on 30 Jun 26
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	0.91
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.45%
Effective Maturity	6 Months 18 Days
Modified Duration	5 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,383
31 Jul 23	₹11,089
31 Jul 24	₹11,914
31 Jul 25	₹12,876
31 Jul 26	₹13,681

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 3 Aug 26

Duration	Returns
1 Month	0.4%
3 Month	1.8%
6 Month	3.3%
1 Year	6.3%
3 Year	7.3%
5 Year	6.5%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
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%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	12.12 Yr.
Kaustubh Gupta	15 Jul 11	15.06 Yr.
Monika Gandhi	22 Mar 21	5.36 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	33.37%
Debt	66.63%

Debt Sector Allocation

Sector	Value
Corporate	71.59%
Government	18.6%
Cash Equivalent	9.81%

Credit Quality

Rating	Value
AA	32.96%
AAA	67.04%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	5%	₹842 Cr	85,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	4%	₹729 Cr	15,300
Shriram Finance Limited Debentures \| -	3%	₹608 Cr	60,000
Bharti Telecom Limited Debentures \| -	2%	₹396 Cr	40,000
Muthoot Finance Limited Debentures \| -	2%	₹349 Cr	35,000
Indusind Bank Ltd. Debentures \| -	2%	₹345 Cr	7,100
Vedanta Limited Debentures \| -	2%	₹328 Cr	32,500
Mankind Pharma Limited Debentures \| -	2%	₹320 Cr	32,000
Avanse Financial Services Limited Debentures \| -	2%	₹300 Cr	30,000
Power Finance Corporation Limited Debentures \| -	2%	₹297 Cr	30,000

2. 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 (₹23,841 Cr).
Oldest track record among peers (29 yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 4.81% (bottom quartile).
1M return: 0.02% (bottom quartile).
Sharpe: -0.10 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.34% (bottom quartile).
Modified duration: 4.10 yrs (bottom quartile).
Average maturity: 6.66 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Debt-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.68% Govt Stock 2040 (~7.1%).

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 (03 Aug 26)	₹119.477 ↑ 0.06 (0.05 %)
Net Assets (Cr)	₹23,841 on 30 Jun 26
Category	Debt - Corporate Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.52
Sharpe Ratio	-0.1
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.34%
Effective Maturity	6 Years 7 Months 28 Days
Modified Duration	4 Years 1 Month 6 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,311
31 Jul 23	₹11,037
31 Jul 24	₹11,906
31 Jul 25	₹12,978
31 Jul 26	₹13,604

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 3 Aug 26

Duration	Returns
1 Month	0%
3 Month	2.6%
6 Month	3.2%
1 Year	4.8%
3 Year	7.2%
5 Year	6.3%
10 Year
15 Year
Since launch	8.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
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%

Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund

Name	Since	Tenure
Kaustubh Gupta	12 Apr 21	5.31 Yr.

Data below for Aditya Birla Sun Life Corporate Bond Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	3.28%
Debt	96.72%

Debt Sector Allocation

Sector	Value
Corporate	56.07%
Government	40.65%
Cash Equivalent	3.28%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Govt Stock 2040 Sovereign Bonds \| -	7%	₹1,687 Cr	173,500,000 ↑ 34,000,000
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹1,320 Cr	132,000
6.94% Govt Stock 2036 Sovereign Bonds \| -	5%	₹1,262 Cr	124,792,300 ↑ 82,000,000
Bharti Telecom Limited Debentures \| -	3%	₹669 Cr	67,500
6.48% Govt Stock 2035 Sovereign Bonds \| -	3%	₹618 Cr	63,035,600 ↓ -83,000,000
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹584 Cr	59,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹502 Cr	50,000
Bharti Telecom Limited Debentures \| -	2%	₹411 Cr	41,400
Summit Digitel Infrastructure Limited Debentures \| -	2%	₹402 Cr	4,000
Embassy Office Parks REIT 7.49% Debentures \| -	2%	₹399 Cr	40,000

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 (₹30,721 Cr).
Established history (16+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 4.72% (bottom quartile).
1M return: 0.03% (bottom quartile).
Sharpe: -0.14 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.79% (lower mid).
Modified duration: 4.05 yrs (bottom quartile).
Average maturity: 6.95 yrs (bottom quartile).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.9% Govt Stock 2065 (~4.1%).

Below is the key information for HDFC Corporate Bond Fund

HDFC Corporate Bond Fund Growth
Launch Date	29 Jun 10
NAV (03 Aug 26)	₹34.4262 ↑ 0.02 (0.05 %)
Net Assets (Cr)	₹30,721 on 30 Jun 26
Category	Debt - Corporate Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	-0.14
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.79%
Effective Maturity	6 Years 11 Months 12 Days
Modified Duration	4 Years 18 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,249
31 Jul 23	₹10,988
31 Jul 24	₹11,844
31 Jul 25	₹12,913
31 Jul 26	₹13,524

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 3 Aug 26

Duration	Returns
1 Month	0%
3 Month	2.7%
6 Month	3.2%
1 Year	4.7%
3 Year	7.2%
5 Year	6.2%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.3%
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%

Fund Manager information for HDFC Corporate Bond Fund

Name	Since	Tenure
Anupam Joshi	27 Oct 15	10.77 Yr.
Dhruv Muchhal	22 Jun 23	3.11 Yr.

Data below for HDFC Corporate Bond Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	5.38%
Debt	94.28%
Other	0.34%

Debt Sector Allocation

Sector	Value
Corporate	61.95%
Government	32.32%
Cash Equivalent	5.4%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.9% Govt Stock 2065 Sovereign Bonds \| -	4%	₹1,247 Cr	135,000,000 ↑ 10,000,000
Bajaj Finance Limited Debentures \| -	4%	₹1,075 Cr	110,000
State Bank Of India Debentures \| -	3%	₹777 Cr	775
HDFC Bank Limited Debentures \| -	2%	₹507 Cr	50,000
LIC Housing Finance Ltd Debentures \| -	2%	₹501 Cr	5,000
Small Industries Development Bank Of India Debentures \| -	2%	₹501 Cr	50,000
6.75% Govt Stock 2033 Sovereign Bonds \| -	2%	₹493 Cr	47,500,000 ↓ -2,500,000
6.68% Govt Stock 2040 Sovereign Bonds \| -	2%	₹486 Cr	50,000,000 ↓ -95,000,000
Rural Electrification Corporation Limited Debentures \| -	2%	₹462 Cr	4,500
Bajaj Housing Finance Limited Debentures \| -	2%	₹461 Cr	46,542

4. 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 (₹2,175 Cr).
Established history (22+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 7.30% (top quartile).
1M return: 0.25% (lower mid).
Sharpe: 1.03 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.70% (upper mid).
Modified duration: 2.06 yrs (upper mid).
Average maturity: 2.73 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.
Top bond sector: Corporate.
Debt-heavy allocation (~84%).
High-quality debt (AAA/AA ~86%).
Largest holding Renew Solar Energy (Jharkhand Five) Private Limited (~4.6%).

Below is the key information for SBI Credit Risk Fund

SBI Credit Risk Fund Growth
Launch Date	19 Jul 04
NAV (03 Aug 26)	₹49.3712 ↑ 0.05 (0.10 %)
Net Assets (Cr)	₹2,175 on 30 Jun 26
Category	Debt - Credit Risk
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.55
Sharpe Ratio	1.03
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	8.7%
Effective Maturity	2 Years 8 Months 23 Days
Modified Duration	2 Years 22 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,364
31 Jul 23	₹11,210
31 Jul 24	₹12,063
31 Jul 25	₹13,111
31 Jul 26	₹14,057

SBI Credit Risk 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 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 3 Aug 26

Duration	Returns
1 Month	0.3%
3 Month	2.9%
6 Month	4.6%
1 Year	7.3%
3 Year	7.8%
5 Year	7.1%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.9%
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%

Fund Manager information for SBI Credit Risk Fund

Name	Since	Tenure
Lokesh Mallya	1 Feb 17	9.5 Yr.
Prashanth Sridhar	1 Jul 26	0.08 Yr.

Data below for SBI Credit Risk Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	8.93%
Equity	6.49%
Debt	84.19%
Other	0.39%

Debt Sector Allocation

Sector	Value
Corporate	66.66%
Government	14.41%
Cash Equivalent	8.93%
Securitized	3.11%

Credit Quality

Rating	Value
A	14.09%
AA	58.95%
AAA	26.96%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Renew Solar Energy (Jharkhand Five) Private Limited Debentures \| -	5%	₹100 Cr	11,000
Lodha Developers Limited Debentures \| -	5%	₹100 Cr	10,000
Tata Projects Limited Debentures \| -	5%	₹100 Cr	10,000
Nj Capital Private Limited Debentures \| -	5%	₹99 Cr	10,000
H.G. Infra Engineering Limited Debentures \| -	5%	₹99 Cr	10,000
Jtpm Metal TRaders Limited Debentures \| -	4%	₹96 Cr	9,000
Renserv Global Private Limited Debentures \| -	4%	₹80 Cr	8,000
6.68% Govt Stock 2040 Sovereign Bonds \| -	4%	₹78 Cr	8,000,000 ↓ -2,000,000
Jsw Kalinga Steel Limited Debentures \| -	4%	₹77 Cr	7,500
Aditya Birla Renewables Limited Debentures \| -	3%	₹75 Cr	7,500

5. HDFC Credit Risk Debt Fund

(Erstwhile HDFC Corporate Debt Opportunities Fund)

To generate regular income and capital appreciation by investing predominantly in corporate debt.

Research Highlights for HDFC Credit Risk Debt Fund

Bottom quartile AUM (₹7,693 Cr).
Established history (12+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.80% (upper mid).
1M return: 0.34% (upper mid).
Sharpe: 0.73 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.80% (top quartile).
Modified duration: 2.23 yrs (lower mid).
Average maturity: 3.48 yrs (lower mid).
Exit load: 0-12 Months (1%),12-18 Months (0.5%),18 Months and above(NIL).
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~89%).
High-quality debt (AAA/AA ~90%).
Largest holding GMR Airports Limited (~4.8%).

Below is the key information for HDFC Credit Risk Debt Fund

HDFC Credit Risk Debt Fund Growth
Launch Date	25 Mar 14
NAV (03 Aug 26)	₹25.908 ↑ 0.02 (0.07 %)
Net Assets (Cr)	₹7,693 on 30 Jun 26
Category	Debt - Credit Risk
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.51
Sharpe Ratio	0.73
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-12 Months (1%),12-18 Months (0.5%),18 Months and above(NIL)
Yield to Maturity	8.8%
Effective Maturity	3 Years 5 Months 23 Days
Modified Duration	2 Years 2 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,352
31 Jul 23	₹11,040
31 Jul 24	₹11,849
31 Jul 25	₹12,887
31 Jul 26	₹13,755

HDFC Credit Risk 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 HDFC Credit Risk 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 3 Aug 26

Duration	Returns
1 Month	0.3%
3 Month	2.5%
6 Month	3.9%
1 Year	6.8%
3 Year	7.6%
5 Year	6.6%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	8%
2024	8.2%
2023	6.6%
2022	3.7%
2021	7%
2020	10.9%
2019	8.6%
2018	5.4%
2017	6.6%
2016	11%

Fund Manager information for HDFC Credit Risk Debt Fund

Name	Since	Tenure
Praveen Jain	7 Mar 26	0.4 Yr.
Dhruv Muchhal	22 Jun 23	3.11 Yr.
Bhavyesh Divecha	7 Mar 26	0.4 Yr.

Data below for HDFC Credit Risk Debt Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	4.52%
Equity	4.87%
Debt	89.05%
Other	1.57%

Debt Sector Allocation

Sector	Value
Corporate	74.46%
Government	14.91%
Cash Equivalent	4.19%

Credit Quality

Rating	Value
A	10.2%
AA	59.19%
AAA	30.61%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
GMR Airports Limited Debentures \| -	5%	₹367 Cr	35,000
Nirma Limited Debentures \| -	4%	₹301 Cr	30,000
TATA Projects Limited Debentures \| -	3%	₹250 Cr	25,000
Indus Infra Trust Unit (Financial Services) Equity, Since 29 Feb 24 \| 544137	3%	₹243 Cr	18,951,606
The Tata Power Company Limited Debentures \| -	3%	₹227 Cr	2,190
Jubilant Beverages Limited Debentures \| -	3%	₹212 Cr	19,190
Aditya Birla Renewables Limited Debentures \| -	3%	₹210 Cr	21,000
Bamboo Hotel And Global Centre (Delhi) Private Limited Debentures \| -	3%	₹201 Cr	20,000
SK Finance Limited Debentures \| -	3%	₹200 Cr	20,000
Kalpataru Projects International Limited Debentures \| -	3%	₹200 Cr	20,000

6. ICICI Prudential Savings Fund

(Erstwhile ICICI Prudential Flexible Income Plan)

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

Research Highlights for ICICI Prudential Savings Fund

Upper mid AUM (₹22,339 Cr).
Established history (23+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.31% (upper mid).
1M return: 0.40% (upper mid).
Sharpe: 0.78 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.95% (upper mid).
Modified duration: 0.95 yrs (upper mid).
Average maturity: 1.33 yrs (upper mid).
Exit load: NIL.
Top sector: Basic Materials.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~41%).
High-quality debt (AAA/AA ~100%).
Largest holding RADHAKRISHNA SECURITISATION TRUST (~4.0%).

Below is the key information for ICICI Prudential Savings Fund

ICICI Prudential Savings Fund Growth
Launch Date	27 Sep 02
NAV (03 Aug 26)	₹583.021 ↑ 0.42 (0.07 %)
Net Assets (Cr)	₹22,339 on 30 Jun 26
Category	Debt - Low Duration
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.53
Sharpe Ratio	0.78
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.95%
Effective Maturity	1 Year 3 Months 29 Days
Modified Duration	11 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,279
31 Jul 23	₹11,098
31 Jul 24	₹11,954
31 Jul 25	₹12,941
31 Jul 26	₹13,753

ICICI Prudential 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 ICICI Prudential 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 3 Aug 26

Duration	Returns
1 Month	0.4%
3 Month	1.9%
6 Month	3.3%
1 Year	6.3%
3 Year	7.4%
5 Year	6.6%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.7%
2024	8%
2023	7.6%
2022	4.5%
2021	3.8%
2020	8.6%
2019	8.8%
2018	7.3%
2017	7.1%
2016	9.1%

Fund Manager information for ICICI Prudential Savings Fund

Name	Since	Tenure
Nikhil Kabra	13 Sep 24	1.88 Yr.
Darshil Dedhia	12 Jun 23	3.14 Yr.

Data below for ICICI Prudential Savings Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	41.06%
Debt	58.53%
Other	0.4%

Debt Sector Allocation

Sector	Value
Corporate	76.49%
Cash Equivalent	15.33%
Government	7.78%

Credit Quality

Rating	Value
AA	16.69%
AAA	83.31%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	4%	₹854 Cr	875
6.52% Govt Stock 2031 Sovereign Bonds \| -	3%	₹621 Cr	60,500,000
7.33% Karnataka Sgs 2033 Sovereign Bonds \| -	2%	₹501 Cr	50,000,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹455 Cr	45,500
Rec Limited Debentures \| -	2%	₹426 Cr	42,500
Bajaj Housing Finance Limited Debentures \| -	2%	₹421 Cr	42,500
Bank of India Ltd. Debentures \| -	2%	₹407 Cr	8,500
Piramal Finance Limited Debentures \| -	2%	₹377 Cr	37,500
6.75% Govt Stock 2033 Sovereign Bonds \| -	2%	₹333 Cr	32,089,920
Muthoot Finance Limited Debentures \| -	1%	₹301 Cr	30,000

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