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Mutual Fund Investment Plans

Updated on August 28, 2025 , 10089 views

Mutual Funds in India bring in diverse investment plans to cater the various objectives and the needs of the investors. It offers investment options for all kinds of investors, be it a risk-averse, high-risk or a moderate-risk taker, Mutual Funds have various risks ranging schemes. Its minimum investment amount, i.e., INR 500 monthly, has even attracted youngsters, students, house wife’s to begin their investments in Mutual Funds. So, if you are a new to Mutual Funds, here’s all you need to know about it.

What are Mutual Funds?

A mutual fund is a collective pool of money given by the investors to buy securities. Here the investment is made in various securities like stocks, Bonds, money market instruments, precious metals, commodities, etc. Mutual Funds are managed by professional fund managers who decide how to invest money by keeping a keen eye on the market movements.

The Mutual Fund in India is regulated by the Securities and Exchange Board of India (SEBI). All the Mutual Fund guidelines, rules & regulations, policies are set by SEBI. There are 36 Mutual Fund schemes introduced by SEBI in order to cater to the diverse requirements of the investors.

Mutual-funds

Types of Mutual Fund Investment Plans

On 6th October 2017, SEBI had passed a notice of re-categorisation of Mutual Funds in India. This is done to bring uniformity in similar schemes launched by the different Mutual Funds. SEBI wants to ensure that investors can find it easier to compare the products and evaluate the different options available before investing in a scheme. So that the investors could invest according to their needs, financial goals and risk appetite.

SEBI has categorised Mutual Fund schemes into 5 broad categories and 36 sub-categories. This mandates Mutual Fund Houses to make the changes in their existing & future schemes. Here, the list of different types of MF schemes in India.

1. Equity Mutual Funds

An equity fund mainly invests in stocks. In other words, the money is invested into shares of different companies. These funds are high-risk, high-return funds, which means that an investor who can tolerate risk should only prefer investing in equities. Let's look at the various types of Equity Funds:

a. Large cap funds

These funds would invest in companies that fall under the 1st to 100th company in terms of full market capitalization. Large cap funds invest in those firms that have the possibility of showing year on year steady growth and profits, which in turn offers stability over a period of time to investors. These stocks give steady returns over long periods of time.

b. Mid cap funds

These funds would invest in companies that fall under the 101st to 250th company in terms of full market capitalization. From a standpoint of the investor, the investing period of mid-caps should be much higher than large-caps due to the higher fluctuations (or volatility) in the prices of the stocks.

c. Large and mid cap funds

SEBI has introduced a combo of large and mid cap funds, which means that these are the schemes that invest in both large & mid cap stocks. Here, the fund will invest a minimum of 35 percent each in mid and large cap stocks.

d. Small cap funds

small cap companies include the startups or firms that are in their early stage of development with small revenues. These funds would invest in companies that fall under the 251st company onwards in terms of full market capitalization. Small-caps have a great potential to discover the value and can generate good returns. However, given the small size, the risks are very high, hence the investing period of small-caps is expected to be the highest.

e. Multi cap funds

Also known as Diversified Funds, these invest across market capitalization, i.e., essentially across large-cap, mid-cap, and small-cap. They typically invest anywhere between 40–60% in large cap stocks, 10–40% in mid-cap stocks and about 10% in small-cap stocks. While diversified equity funds or multi-cap funds invest across market capitalizations the risks of equity still remain in the investment.

f. Equity Linked Saving Schemes (ELSS)

These are equity mutual funds that save your tax as a qualified tax exemption under Section 80C of the Income Tax Act. They offer the twin advantage of capital gains and tax benefits. ELSS schemes come with a lock-in period of three years. A minimum of 80 percent of its total assets has to be invested in equities.

g. Dividend yield funds

dividend yield funds are those where a fund manager deigns the fund portfolios as per dividend yield strategy. This scheme is preferred by investors who like the idea of regular income as well as capital appreciation. This fund invests in companies that provide high dividend yield strategy. This fund aims at buying good underlying businesses that pay regular dividends at attractive valuations. This scheme will invest a minimum 65 percent of its total assets in equities, but in dividend yielding stocks.

h.Value funds

value funds invest in those companies that have fallen out of favour but have good principles. The idea behind this is to select a stock that appears to be underpriced by the market. A value investor looks out for bargains and chooses investments that have a low price on factors such as earnings, net current assets, and sales.

i. Contra funds

contra funds take a contrarian view on equities. It is against the wind kind of investment style. The fund manager picks underperforming stocks at that point in time, which are likely to perform well in the long run, at cheap valuations. The idea here is to buy assets at a lower cost than its fundamental value in the long term. It is done with a belief that the assets will stabilize and come to its real value in the long term. Value/Contra will invest at least 65 percent of its total assets in equities, but a Mutual Fund house can either offer a value fund or a contra fund, but not both.

j. Focused funds

Focused funds hold a mix of equity funds, i.e., large, mid, small or multi-cap stocks, but has a limited number of stocks. As per SEBI, a focused fund can have a maximum of 30 stocks. These funds are allocated their holdings between a limited number of carefully researched securities. Focused funds can invest at least 65 percent of its total assets in equities.

k. Sector funds and Thematic equity funds

A sector fund is an equity scheme that invests in shares of companies that trade in a particular sector or industry like, for instance, a pharma fund would invest only in pharmaceutical companies. thematic funds can be across a wider sector than just keep a very narrow focus, for example, media and entertainment. In this theme, the fund can invest in various companies across publishing, online, media or broadcasting. The risks with thematic funds are the highest since there is virtually very little diversification. At least 80 percent of the total assets of these schemes will be invested in a particular sector or theme.

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2. Debt Mutual Funds

A Debt fund invests in a fixed income instrument like Government Securities, Treasury Bills, Corporate Bonds, etc. Debt funds are preferred by those who are looking for a steady income with relatively lower risks, as they are comparatively less volatile than equities. Debt fund has 16 broad categories that are as follows:

a. Overnight fund

These are a debt scheme that will invest bonds that mature in a day. In other words, investment is done in overnight securities with a maturity of one day. This is a safe option for investors who want to park money without worrying about risks and returns.

b. Liquid funds

Liquid Funds invest in short-term money market instruments such as treasury bills, commercial papers, term deposits, etc. They invest in securities that have a lower maturity period, usually less than 91 days. Liquid funds provide easy liquidity and are less volatile than the other types of debt instruments. Also, liquid fund's investment returns are better than that of a Savings Account.

c. Ultra short duration funds

Ultra short duration funds invest in fixed income instruments which have a Macaulay duration between three to six months. Ultra short-term funds help investors avoid interest rate risks and also offer better returns compared to liquid debt funds. Macaulay duration measures how long it will take the scheme to recoup the investment

d. Low duration funds

The scheme will invest in debt and money market securities with a Macaulay duration between six to 12 months.

e. Money market funds

The money market fund invests in many markets such as commercial/treasury bills, commercial papers, certificate of deposit and other instruments specified by the Reserve Bank of India (RBI). These investments are a good option for risk-averse investors who want to earn good returns in short duration. This debt scheme will invest in money market instruments having a maturity up to one year.

f. Short duration funds

Short duration funds mainly invest in Commercial Papers, Certificate of Deposits, Money Market Instruments, etc, with a Macaulay duration of one to three years. They may provide a higher level of return than ultra-short-term and liquid funds but will be exposed to higher risks.

g. Medium duration funds

This scheme will invest in debt and money market instruments with a Macaulay duration of three to four years. These funds have an average maturity period that is longer than liquid, ultra-short and short duration debt funds.

h. Medium to long duration funds

This scheme will invest in debt and money market instruments with a Macaulay duration of four to seven years.

i. Long duration funds

This scheme will invest in debt and money market instruments with a Macaulay duration greater than seven years.

j. Dynamic bond funds

Dynamic bond funds invest in fixed income securities consisting of varying maturity periods. Here, the fund manager decides on which funds they need to invest based on their perception of the interest rate scenario and future interest rate movements. Based on this decision, they invest in funds across various maturity periods of debt instruments. This mutual fund scheme is suitable for individuals who feel puzzled about the interest rate scenario. Such individuals can rely on the view of the fund managers to earn money through dynamic bond funds.

k. Corporate bond funds

Corporate bond funds are essentially a certificate of debt issued by major companies. These are issued as a way of raising money for businesses. This debt scheme mainly invests in the highest rated corporate bonds. The fund can invest a minimum 80 percent of its total assets in the highest-rated corporate bonds. Corporate bond funds are a great option when it comes to good return and low-risk type investment. Investors can earn a regular income which is usually higher than that of interest on your Fixed Deposits (FDs).

l. Credit risk funds

This scheme will invest in below the high-rated corporate bonds. The credit risk fund should invest at least 65 percent of its assets below the highest-rated instruments.

m. Banking and PSU funds

This scheme predominantly invests in debt and money market instruments consisting of securities issued by entities such as Banks, Public Financial Institutions, Public Sector Undertakings. This option is considered to maintain an optimum balance of liquidity, safety, and yield.

n. Gilt fund

This scheme invests in government securities issued by RBI. Government-backed securities include G-secs, treasury bills, etc. As the papers are backed by the government these schemes are relatively safer. Depending on their maturity profile, long-term Gilt Funds carry interest rate risks. For instance, the higher the maturity of the scheme the higher would be the interest rate risk. Gilt Funds will invest a minimum 80 percent of its total assets in government securities.

o. Gilt fund with 10-year constant duration

This scheme will invest in government securities with a maturity of 10 years. 15. Gilt Fund with a 10-year Constant Duration will invest a minimum 80 percent in government securities.

p. Floater funds

This debt scheme mainly invests in floating rate instruments, where the interest paid changes in order with the changing interest rate scenario in the debt market. Floater Fund will invest a minimum of 65 percent of its total assets in floating rate instruments.

3. Hybrid Mutual Funds

Hybrid Funds act as a combination of equity and debt fund. This fund allows an investor to invest in both equity and debt markets in certain proportions.

a. Conservative hybrid funds

This scheme will majorly invested in debt instruments. About 75 to 90 percent of their total assets will be invest in debt instruments and about 10 to 25 percent in equity-related instruments. This scheme is named as conservative because it is for people who are risk-averse. Investors who don't want to take much risk in their investment can prefer investing in this scheme.

b. Balanced hybrid funds

This fund will invest around 40-60 percent of its total assets in both debt and equity instruments. The beneficial factor of a Balanced Fund is that they provide equity comparable returns with a lower risk factor.

c. Aggressive hybrid funds

This fund will invest around 65 to 85 percent of its total assets in equity-related instruments and about 20 to 35 percent of their assets in debt instruments. Mutual Fund Houses can offer either a balanced hybrid or an aggressive hybrid fund, not both.

d. Dynamic asset allocation or Balanced advantage funds

This scheme would dynamically manage their investments in equity and debt instruments. These funds tend to increase the allocation to debt and reduce the weightage to equities when the market becomes costly. Also, these funds focus on providing stability at a low-risk.

e. Multi asset allocation

This scheme can invest in three asset classes, which means that they can invest in an extra asset class apart from equity and debt. The fund should invest at least 10 percent in each of the asset classes. Foreign securities will not be treated as a separate asset class.

f. Arbitrage funds

This fund will follow the arbitrage strategy and will invest at least 65 percent of its assets in equity-related instruments. Arbitrage funds are Mutual Funds that leverage the differential price between the cash market and derivative market to generate mutual fund returns. The returns generated by arbitrage funds are dependent on the volatility of the stock market. Arbitrage mutual funds are hybrid in nature and in times of high or persistent volatility, these funds offer relatively risk-free returns to investors.

g. Equity savings

This scheme will invest in equity, arbitrage and debt. Equity savings will invest at least 65 percent of the total assets in stocks and a minimum 10 percent in debt. The scheme would state the minimum hedged and unhedged investments in the scheme information document.

4. Solution Oriented Schemes

a. Retirement fund

This is a retirement solution oriented scheme that will have a lock-in of five years or till the age of retirement.

b. Children’s fund

This is children oriented scheme having a lock-on for five years or until the child attains the age of majority, whichever is earlier.

5. Other Schemes

a. Index Fund/ETF

These funds invest their corpus in shares that constitute a part of a particular index. In other words, these schemes mimic the performance of an index. These schemes are designed to track the returns of a particular market index. These schemes can be purchased either as Mutual Funds or as Exchange Traded Fund (ETFs). Also known as Index Tracker Funds, the corpus of these schemes is invested in the exact proportion as they are in the index. As a consequence, whenever, individuals purchase units of Index Funds, they indirectly own a share in the portfolio that has instruments of a particular index. This fund can invest at least 95 percent of its total asset in securities of a particular index.

b. FoFs (Overseas Domestic)

A Mutual Fund Investing its collected pool of money in another mutual fund (one or maybe more) is referred to as fund of funds. Investors in their portfolios take exposure to different funds and keep track of them separately. However, by investing in multi-manager mutual funds this process gets more simplified as investors need to track only one fund, which in turn holds numerous mutual funds within it. This fund can invest a minimum of 95 percent of its total assets in the underlying fund.

15 Best Mutual Funds Across Categories

FundNAVNet Assets (Cr)Min Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)Sub Cat.
DSP US Flexible Equity Fund Growth ₹67.7396
↑ 0.40
₹989 1,000 14.616.22317.416.617.8 Global
Franklin Asian Equity Fund Growth ₹31.6147
↓ -0.32
₹270 5,000 812.311.37.93.114.4 Global
Axis Credit Risk Fund Growth ₹21.6718
↓ -0.01
₹367 5,000 1.44.88.67.66.98 Credit Risk
PGIM India Credit Risk Fund Growth ₹15.5876
↑ 0.00
₹39 5,000 0.64.48.434.2 Credit Risk
UTI Banking & PSU Debt Fund Growth ₹22.1725
↓ -0.01
₹810 5,000 1.14.68.27.17.17.6 Banking & PSU Debt
Aditya Birla Sun Life Savings Fund Growth ₹554.641
↑ 0.03
₹20,795 1,000 1.747.97.46.17.9 Ultrashort Bond
Aditya Birla Sun Life Money Manager Fund Growth ₹374.625
↑ 0.04
₹29,515 1,000 1.74.17.97.56.17.8 Money Market
HDFC Corporate Bond Fund Growth ₹32.7428
↓ -0.03
₹35,968 5,000 0.14.17.97.56.48.6 Corporate Bond
HDFC Banking and PSU Debt Fund Growth ₹23.1776
↓ -0.01
₹5,935 5,000 0.34.37.87.26.17.9 Banking & PSU Debt
Aditya Birla Sun Life Corporate Bond Fund Growth ₹113.433
↓ -0.16
₹28,598 1,000 03.97.77.66.58.5 Corporate Bond
ICICI Prudential Long Term Plan Growth ₹37.0259
↓ -0.07
₹15,051 5,000 -0.13.87.57.66.78.2 Dynamic Bond
Indiabulls Liquid Fund Growth ₹2,548.77
↑ 0.39
₹393 500 1.53.376.95.57.4 Liquid Fund
PGIM India Insta Cash Fund Growth ₹343.079
↑ 0.06
₹513 5,000 1.53.3775.67.3 Liquid Fund
JM Liquid Fund Growth ₹71.898
↑ 0.01
₹3,225 5,000 1.53.26.86.95.67.2 Liquid Fund
Edelweiss Arbitrage Fund Growth ₹19.5537
↓ 0.00
₹15,550 5,000 1.53.26.875.77.7 Arbitrage
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Aug 25

Research Highlights & Commentary of 15 Funds showcased

CommentaryDSP US Flexible Equity FundFranklin Asian Equity FundAxis Credit Risk Fund PGIM India Credit Risk FundUTI Banking & PSU Debt FundAditya Birla Sun Life Savings FundAditya Birla Sun Life Money Manager FundHDFC Corporate Bond FundHDFC Banking and PSU Debt FundAditya Birla Sun Life Corporate Bond FundICICI Prudential Long Term PlanIndiabulls Liquid Fund PGIM India Insta Cash FundJM Liquid FundEdelweiss Arbitrage Fund
Point 1Lower mid AUM (₹989 Cr).Bottom quartile AUM (₹270 Cr).Bottom quartile AUM (₹367 Cr).Bottom quartile AUM (₹39 Cr).Lower mid AUM (₹810 Cr).Upper mid AUM (₹20,795 Cr).Top quartile AUM (₹29,515 Cr).Highest AUM (₹35,968 Cr).Upper mid AUM (₹5,935 Cr).Top quartile AUM (₹28,598 Cr).Upper mid AUM (₹15,051 Cr).Bottom quartile AUM (₹393 Cr).Lower mid AUM (₹513 Cr).Lower mid AUM (₹3,225 Cr).Upper mid AUM (₹15,550 Cr).
Point 2Established 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).Established history (11+ yrs).Oldest track record among peers (28 yrs).Established history (15+ yrs).Established history (13+ yrs).Established history (17+ yrs).Established history (27+ yrs).Established history (11+ yrs).
Point 3Rating: 5★ (top quartile).Rating: 5★ (lower mid).Rating: 5★ (top quartile).Rating: 5★ (upper mid).Rating: 5★ (upper mid).Rating: 5★ (upper mid).Rating: 5★ (upper mid).Top rated.Rating: 5★ (lower mid).Rating: 5★ (lower mid).Rating: 5★ (lower mid).Rating: 5★ (bottom quartile).Rating: 5★ (bottom quartile).Rating: 5★ (bottom quartile).Rating: 5★ (bottom quartile).
Point 4Risk 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: Moderately Low.Risk profile: Moderate.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Moderately Low.
Point 55Y return: 16.59% (top quartile).5Y return: 3.09% (bottom quartile).1Y return: 8.58% (top quartile).1Y return: 8.43% (upper mid).1Y return: 8.17% (upper mid).1Y return: 7.94% (upper mid).1Y return: 7.89% (upper mid).1Y return: 7.85% (lower mid).1Y return: 7.79% (lower mid).1Y return: 7.73% (lower mid).1Y return: 7.49% (lower mid).1Y return: 6.98% (bottom quartile).1Y return: 6.96% (bottom quartile).1Y return: 6.84% (bottom quartile).5Y return: 5.71% (lower mid).
Point 63Y return: 17.39% (top quartile).3Y return: 7.87% (top quartile).1M return: 0.44% (lower mid).1M return: 0.27% (lower mid).1M return: 0.22% (lower mid).1M return: 0.45% (upper mid).1M return: 0.47% (upper mid).1M return: -0.31% (bottom quartile).1M return: -0.16% (lower mid).1M return: -0.39% (bottom quartile).1M return: -0.66% (bottom quartile).1M return: 0.47% (top quartile).1M return: 0.47% (upper mid).1M return: 0.46% (upper mid).3Y return: 7.01% (lower mid).
Point 71Y return: 22.97% (top quartile).1Y return: 11.30% (top quartile).Sharpe: 2.44 (upper mid).Sharpe: 1.73 (lower mid).Sharpe: 1.86 (upper mid).Sharpe: 3.76 (top quartile).Sharpe: 3.35 (top quartile).Sharpe: 1.46 (lower mid).Sharpe: 1.31 (bottom quartile).Sharpe: 1.54 (lower mid).Sharpe: 1.53 (lower mid).Sharpe: 3.05 (upper mid).Sharpe: 3.30 (top quartile).Sharpe: 2.80 (upper mid).1Y return: 6.79% (bottom quartile).
Point 8Alpha: -1.71 (bottom quartile).Alpha: 0.00 (lower mid).Information ratio: 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 (top quartile).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (lower mid).Information ratio: -1.37 (bottom quartile).Information ratio: -0.82 (bottom quartile).Information ratio: -2.27 (bottom quartile).1M return: 0.49% (top quartile).
Point 9Sharpe: 0.78 (bottom quartile).Sharpe: 0.57 (bottom quartile).Yield to maturity (debt): 7.81% (top quartile).Yield to maturity (debt): 5.01% (bottom quartile).Yield to maturity (debt): 6.47% (upper mid).Yield to maturity (debt): 6.60% (upper mid).Yield to maturity (debt): 6.17% (lower mid).Yield to maturity (debt): 6.88% (upper mid).Yield to maturity (debt): 6.78% (upper mid).Yield to maturity (debt): 6.90% (top quartile).Yield to maturity (debt): 7.32% (top quartile).Yield to maturity (debt): 5.77% (lower mid).Yield to maturity (debt): 5.81% (lower mid).Yield to maturity (debt): 5.77% (bottom quartile).Alpha: 0.00 (top quartile).
Point 10Information ratio: -0.40 (lower mid).Information ratio: 0.00 (upper mid).Modified duration: 1.99 yrs (lower mid).Modified duration: 0.54 yrs (lower mid).Modified duration: 1.78 yrs (lower mid).Modified duration: 0.49 yrs (lower mid).Modified duration: 0.47 yrs (upper mid).Modified duration: 4.20 yrs (bottom quartile).Modified duration: 3.52 yrs (bottom quartile).Modified duration: 4.53 yrs (bottom quartile).Modified duration: 3.68 yrs (bottom quartile).Modified duration: 0.11 yrs (upper mid).Modified duration: 0.13 yrs (upper mid).Modified duration: 0.10 yrs (top quartile).Sharpe: 0.90 (bottom quartile).

DSP US Flexible Equity Fund

  • Lower mid AUM (₹989 Cr).
  • Established history (13+ yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: High.
  • 5Y return: 16.59% (top quartile).
  • 3Y return: 17.39% (top quartile).
  • 1Y return: 22.97% (top quartile).
  • Alpha: -1.71 (bottom quartile).
  • Sharpe: 0.78 (bottom quartile).
  • Information ratio: -0.40 (lower mid).

Franklin Asian Equity Fund

  • Bottom quartile AUM (₹270 Cr).
  • Established history (17+ yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: High.
  • 5Y return: 3.09% (bottom quartile).
  • 3Y return: 7.87% (top quartile).
  • 1Y return: 11.30% (top quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 0.57 (bottom quartile).
  • Information ratio: 0.00 (upper mid).

Axis Credit Risk Fund

  • Bottom quartile AUM (₹367 Cr).
  • Established history (11+ yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: Moderate.
  • 1Y return: 8.58% (top quartile).
  • 1M return: 0.44% (lower mid).
  • Sharpe: 2.44 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.81% (top quartile).
  • Modified duration: 1.99 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% (lower mid).
  • Sharpe: 1.73 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.01% (bottom quartile).
  • Modified duration: 0.54 yrs (lower mid).

UTI Banking & PSU Debt Fund

  • Lower mid AUM (₹810 Cr).
  • Established history (11+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 8.17% (upper mid).
  • 1M return: 0.22% (lower mid).
  • Sharpe: 1.86 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.47% (upper mid).
  • Modified duration: 1.78 yrs (lower mid).

Aditya Birla Sun Life Savings Fund

  • Upper mid AUM (₹20,795 Cr).
  • Established history (22+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.94% (upper mid).
  • 1M return: 0.45% (upper mid).
  • Sharpe: 3.76 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.60% (upper mid).
  • Modified duration: 0.49 yrs (lower mid).

Aditya Birla Sun Life Money Manager Fund

  • Top quartile AUM (₹29,515 Cr).
  • Established history (19+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 7.89% (upper mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.35 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.17% (lower mid).
  • Modified duration: 0.47 yrs (upper mid).

HDFC Corporate Bond Fund

  • Highest AUM (₹35,968 Cr).
  • Established history (15+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 7.85% (lower mid).
  • 1M return: -0.31% (bottom quartile).
  • Sharpe: 1.46 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.88% (upper mid).
  • Modified duration: 4.20 yrs (bottom quartile).

HDFC Banking and PSU Debt Fund

  • Upper mid AUM (₹5,935 Cr).
  • Established history (11+ yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.79% (lower mid).
  • 1M return: -0.16% (lower mid).
  • Sharpe: 1.31 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.78% (upper mid).
  • Modified duration: 3.52 yrs (bottom quartile).

Aditya Birla Sun Life Corporate Bond Fund

  • Top quartile AUM (₹28,598 Cr).
  • Oldest track record among peers (28 yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.73% (lower mid).
  • 1M return: -0.39% (bottom quartile).
  • Sharpe: 1.54 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.90% (top quartile).
  • Modified duration: 4.53 yrs (bottom quartile).

ICICI Prudential Long Term Plan

  • Upper mid AUM (₹15,051 Cr).
  • Established history (15+ yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 7.49% (lower mid).
  • 1M return: -0.66% (bottom quartile).
  • Sharpe: 1.53 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.32% (top quartile).
  • Modified duration: 3.68 yrs (bottom quartile).

Indiabulls Liquid Fund

  • Bottom quartile AUM (₹393 Cr).
  • Established history (13+ yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.98% (bottom quartile).
  • 1M return: 0.47% (top quartile).
  • Sharpe: 3.05 (upper mid).
  • Information ratio: -1.37 (bottom quartile).
  • Yield to maturity (debt): 5.77% (lower mid).
  • Modified duration: 0.11 yrs (upper mid).

PGIM India Insta Cash Fund

  • Lower mid AUM (₹513 Cr).
  • Established history (17+ yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.96% (bottom quartile).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.30 (top quartile).
  • Information ratio: -0.82 (bottom quartile).
  • Yield to maturity (debt): 5.81% (lower mid).
  • Modified duration: 0.13 yrs (upper mid).

JM Liquid Fund

  • Lower mid AUM (₹3,225 Cr).
  • Established history (27+ yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.84% (bottom quartile).
  • 1M return: 0.46% (upper mid).
  • Sharpe: 2.80 (upper mid).
  • Information ratio: -2.27 (bottom quartile).
  • Yield to maturity (debt): 5.77% (bottom quartile).
  • Modified duration: 0.10 yrs (top quartile).

Edelweiss Arbitrage Fund

  • Upper mid AUM (₹15,550 Cr).
  • Established history (11+ yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 5Y return: 5.71% (lower mid).
  • 3Y return: 7.01% (lower mid).
  • 1Y return: 6.79% (bottom quartile).
  • 1M return: 0.49% (top quartile).
  • Alpha: 0.00 (top quartile).
  • Sharpe: 0.90 (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 (₹989 Cr).
  • Established history (13+ yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: High.
  • 5Y return: 16.59% (top quartile).
  • 3Y return: 17.39% (top quartile).
  • 1Y return: 22.97% (top quartile).
  • Alpha: -1.71 (bottom quartile).
  • Sharpe: 0.78 (bottom quartile).
  • Information ratio: -0.40 (lower mid).

Below is the key information for DSP US Flexible Equity Fund

DSP US Flexible Equity Fund
Growth
Launch Date 3 Aug 12
NAV (28 Aug 25) ₹67.7396 ↑ 0.40   (0.59 %)
Net Assets (Cr) ₹989 on 31 Jul 25
Category Equity - Global
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk High
Expense Ratio 1.55
Sharpe Ratio 0.78
Information Ratio -0.4
Alpha Ratio -1.71
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.

DateValue
31 Jul 20₹10,000
31 Jul 21₹13,573
31 Jul 22₹13,604
31 Jul 23₹15,552
31 Jul 24₹18,096
31 Jul 25₹22,334

DSP US Flexible Equity Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689
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 28 Aug 25

DurationReturns
1 Month 3.5%
3 Month 14.6%
6 Month 16.2%
1 Year 23%
3 Year 17.4%
5 Year 16.6%
10 Year
15 Year
Since launch 15.8%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Jay Kothari1 Mar 1312.43 Yr.

Data below for DSP US Flexible Equity Fund as on 31 Jul 25

Equity Sector Allocation
SectorValue
Technology29.89%
Financial Services18.33%
Communication Services15.27%
Health Care11.49%
Consumer Cyclical8.28%
Industrials7.34%
Basic Materials3.19%
Energy2.87%
Asset Allocation
Asset ClassValue
Cash3.31%
Equity96.66%
Debt0.03%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
BGF US Flexible Equity I2
Investment Fund | -
99%₹925 Cr2,024,037
↓ -14,352
Treps / Reverse Repo Investments
CBLO/Reverse Repo | -
1%₹12 Cr
Net Receivables/Payables
CBLO | -
0%-₹2 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 (₹270 Cr).
  • Established history (17+ yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: High.
  • 5Y return: 3.09% (bottom quartile).
  • 3Y return: 7.87% (top quartile).
  • 1Y return: 11.30% (top quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 0.57 (bottom quartile).
  • Information ratio: 0.00 (upper mid).

Below is the key information for Franklin Asian Equity Fund

Franklin Asian Equity Fund
Growth
Launch Date 16 Jan 08
NAV (28 Aug 25) ₹31.6147 ↓ -0.32   (-1.01 %)
Net Assets (Cr) ₹270 on 31 Jul 25
Category Equity - Global
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk High
Expense Ratio 2.54
Sharpe Ratio 0.57
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.

DateValue
31 Jul 20₹10,000
31 Jul 21₹11,474
31 Jul 22₹9,575
31 Jul 23₹10,196
31 Jul 24₹10,734
31 Jul 25₹12,118

Franklin Asian Equity Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹331,978.
Net Profit of ₹31,978
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 28 Aug 25

DurationReturns
1 Month -0.3%
3 Month 8%
6 Month 12.3%
1 Year 11.3%
3 Year 7.9%
5 Year 3.1%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Sandeep Manam18 Oct 213.79 Yr.
Shyam Sriram26 Sep 240.85 Yr.

Data below for Franklin Asian Equity Fund as on 31 Jul 25

Equity Sector Allocation
SectorValue
Technology25.02%
Consumer Cyclical24.16%
Financial Services23.12%
Industrials6.3%
Communication Services4.66%
Consumer Defensive4.46%
Health Care4.4%
Real Estate2.35%
Basic Materials1.93%
Utility1.34%
Asset Allocation
Asset ClassValue
Cash2.25%
Equity97.75%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Taiwan Semiconductor Manufacturing Co Ltd (Technology)
Equity, Since 31 Mar 09 | 2330
13%₹34 Cr111,000
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 24 | HDFCBANK
5%₹14 Cr68,247
↑ 3,997
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 24 | 532174
5%₹13 Cr87,497
Tencent Holdings Ltd (Communication Services)
Equity, Since 31 Jul 14 | 00700
5%₹12 Cr22,300
↑ 700
Alibaba Group Holding Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Dec 20 | 09988
3%₹8 Cr70,404
↑ 5,200
SK Hynix Inc (Technology)
Equity, Since 30 Jun 20 | 000660
3%₹8 Cr4,247
Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Jul 21 | 543320
3%₹8 Cr287,506
AIA Group Ltd (Financial Services)
Equity, Since 31 Mar 12 | 01299
3%₹7 Cr95,600
MediaTek Inc (Technology)
Equity, Since 31 Aug 20 | 2454
3%₹7 Cr19,000
↑ 4,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Mar 24 | LT
3%₹7 Cr18,306

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 (₹367 Cr).
  • Established history (11+ yrs).
  • Rating: 5★ (top quartile).
  • Risk profile: Moderate.
  • 1Y return: 8.58% (top quartile).
  • 1M return: 0.44% (lower mid).
  • Sharpe: 2.44 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.81% (top quartile).
  • Modified duration: 1.99 yrs (lower mid).
  • Average maturity: 2.33 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 (29 Aug 25) ₹21.6718 ↓ -0.01   (-0.05 %)
Net Assets (Cr) ₹367 on 31 Jul 25
Category Debt - Credit Risk
AMC Axis Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.57
Sharpe Ratio 2.44
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 7.81%
Effective Maturity 2 Years 3 Months 29 Days
Modified Duration 1 Year 11 Months 26 Days
Sub Cat. Credit Risk

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,746
31 Jul 22₹11,149
31 Jul 23₹11,893
31 Jul 24₹12,769
31 Jul 25₹13,909

Axis Credit Risk Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 28 Aug 25

DurationReturns
1 Month 0.4%
3 Month 1.4%
6 Month 4.8%
1 Year 8.6%
3 Year 7.6%
5 Year 6.9%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Devang Shah15 Jul 1411.05 Yr.
Akhil Thakker9 Nov 213.73 Yr.

Data below for Axis Credit Risk Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash6.52%
Equity0.43%
Debt92.58%
Other0.48%
Debt Sector Allocation
SectorValue
Corporate84.2%
Government8.37%
Cash Equivalent6.52%
Credit Quality
RatingValue
A10.9%
AA64.72%
AAA24.37%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Kohima-Mariani Transmission Limited
Debentures | -
5%₹20 Cr2,000
Birla Corporation Limited
Debentures | -
4%₹16 Cr230
Jubilant Bevco Limited
Debentures | -
4%₹15 Cr1,500
Aditya Birla Renewables Limited
Debentures | -
4%₹15 Cr1,500
Narayana Hrudayalaya Limited
Debentures | -
4%₹15 Cr1,500
Nirma Limited
Debentures | -
4%₹15 Cr1,500
Infopark Properties Limited
Debentures | -
4%₹15 Cr1,500
Altius Telecom Infrastructure Trust
Debentures | -
4%₹15 Cr1,500
Aditya Birla Real Estate Limited
Debentures | -
4%₹15 Cr1,500
Aditya Birla Digital Fashion Ventures Limited
Debentures | -
4%₹15 Cr1,500

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% (lower mid).
  • Sharpe: 1.73 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.01% (bottom quartile).
  • Modified duration: 0.54 yrs (lower mid).
  • Average maturity: 0.59 yrs (lower 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.

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,885

PGIM India Credit Risk Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 28 Aug 25

DurationReturns
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
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for PGIM India Credit Risk Fund
NameSinceTenure

Data below for PGIM India Credit Risk Fund as on 31 Dec 21

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

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 (₹810 Cr).
  • Established history (11+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 8.17% (upper mid).
  • 1M return: 0.22% (lower mid).
  • Sharpe: 1.86 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.47% (upper mid).
  • Modified duration: 1.78 yrs (lower mid).
  • Average maturity: 2.03 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 (29 Aug 25) ₹22.1725 ↓ -0.01   (-0.04 %)
Net Assets (Cr) ₹810 on 31 Jul 25
Category Debt - Banking & PSU Debt
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 0.54
Sharpe Ratio 1.86
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.47%
Effective Maturity 2 Years 11 Days
Modified Duration 1 Year 9 Months 11 Days
Sub Cat. Banking & PSU Debt

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,349
31 Jul 22₹11,315
31 Jul 23₹12,023
31 Jul 24₹12,884
31 Jul 25₹13,997

UTI Banking & PSU Debt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 28 Aug 25

DurationReturns
1 Month 0.2%
3 Month 1.1%
6 Month 4.6%
1 Year 8.2%
3 Year 7.1%
5 Year 7.1%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Anurag Mittal1 Dec 213.67 Yr.

Data below for UTI Banking & PSU Debt Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash4.47%
Debt95.2%
Other0.33%
Debt Sector Allocation
SectorValue
Corporate55.2%
Government40.01%
Cash Equivalent4.47%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.38% Govt Stock 2027
Sovereign Bonds | -
11%₹93 Cr900,000,000
Axis Bank Limited
Debentures | -
7%₹56 Cr550
Export Import Bank Of India
Debentures | -
6%₹51 Cr5,000
Small Industries Development Bank Of India
Debentures | -
6%₹51 Cr5,000
Power Finance Corporation Limited
Debentures | -
5%₹41 Cr400
Rural Electrification Corporation Limited
Debentures | -
4%₹36 Cr3,500
National Housing Bank
Debentures | -
4%₹36 Cr3,500
HDFC Bank Limited
Debentures | -
4%₹36 Cr350
Indian Railway Finance Corporation Limited
Debentures | -
4%₹31 Cr300
National Bank For Agriculture And Rural Development
Debentures | -
4%₹31 Cr3,000

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 (₹20,795 Cr).
  • Established history (22+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.94% (upper mid).
  • 1M return: 0.45% (upper mid).
  • Sharpe: 3.76 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.60% (upper mid).
  • Modified duration: 0.49 yrs (lower mid).
  • Average maturity: 0.59 yrs (lower 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 (29 Aug 25) ₹554.641 ↑ 0.03   (0.00 %)
Net Assets (Cr) ₹20,795 on 31 Jul 25
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.55
Sharpe Ratio 3.76
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.6%
Effective Maturity 7 Months 2 Days
Modified Duration 5 Months 26 Days
Sub Cat. Ultrashort Bond

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,459
31 Jul 22₹10,860
31 Jul 23₹11,598
31 Jul 24₹12,461
31 Jul 25₹13,467

Aditya Birla Sun Life Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 28 Aug 25

DurationReturns
1 Month 0.5%
3 Month 1.7%
6 Month 4%
1 Year 7.9%
3 Year 7.4%
5 Year 6.1%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Sunaina Cunha20 Jun 1411.12 Yr.
Kaustubh Gupta15 Jul 1114.06 Yr.
Monika Gandhi22 Mar 214.36 Yr.

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

Asset Allocation
Asset ClassValue
Cash36.33%
Debt63.4%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate64.44%
Cash Equivalent20.11%
Government15.18%
Credit Quality
RatingValue
AA36.06%
AAA64.07%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Shriram Finance Limited
Debentures | -
3%₹614 Cr60,000
Nirma Limited
Debentures | -
2%₹489 Cr48,500
Gujarat (Government of)
- | -
2%₹378 Cr37,500,000
Axis Bank Ltd.
Debentures | -
2%₹366 Cr7,500
↑ 500
Bharti Telecom Limited
Debentures | -
2%₹362 Cr3,600
Mankind Pharma Limited
Debentures | -
2%₹349 Cr34,500
Bharti Telecom Limited
Debentures | -
2%₹322 Cr3,200
↑ 500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹317 Cr3,150
Avanse Financial Services Limited
Debentures | -
1%₹302 Cr30,000
ICICI Home Finance Company Limited
Debentures | -
1%₹270 Cr27,000

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

  • Top quartile AUM (₹29,515 Cr).
  • Established history (19+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 7.89% (upper mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.35 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.17% (lower mid).
  • Modified duration: 0.47 yrs (upper mid).
  • Average maturity: 0.47 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 (29 Aug 25) ₹374.625 ↑ 0.04   (0.01 %)
Net Assets (Cr) ₹29,515 on 31 Jul 25
Category Debt - Money Market
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Low
Expense Ratio 0.35
Sharpe Ratio 3.35
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.17%
Effective Maturity 5 Months 19 Days
Modified Duration 5 Months 19 Days
Sub Cat. Money Market

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,411
31 Jul 22₹10,808
31 Jul 23₹11,574
31 Jul 24₹12,452
31 Jul 25₹13,449

Aditya Birla Sun Life Money Manager Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 28 Aug 25

DurationReturns
1 Month 0.5%
3 Month 1.7%
6 Month 4.1%
1 Year 7.9%
3 Year 7.5%
5 Year 6.1%
10 Year
15 Year
Since launch 6.9%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Kaustubh Gupta15 Jul 1114.06 Yr.
Anuj Jain22 Mar 214.36 Yr.
Mohit Sharma1 Apr 178.34 Yr.

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

Asset Allocation
Asset ClassValue
Cash85.67%
Debt14.09%
Other0.24%
Debt Sector Allocation
SectorValue
Cash Equivalent43.61%
Corporate39.43%
Government16.72%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
5.15% Govt Stock 2025
Sovereign Bonds | -
3%₹749 Cr75,000,000
↑ 75,000,000
182 DTB 29082025
Sovereign Bonds | -
2%₹502 Cr50,500,000
↓ -64,500,000
National Bank for Agriculture and Rural Development
Domestic Bonds | -
1%₹336 Cr7,000
↑ 7,000
182 Days Tbill
Sovereign Bonds | -
1%₹298 Cr30,000,000
India (Republic of)
- | -
1%₹244 Cr25,000,000
↑ 25,000,000
7.59% Govt Stock 2026
Sovereign Bonds | -
1%₹242 Cr24,000,000
↑ 1,000,000
5.63% Govt Stock 2026
Sovereign Bonds | -
1%₹240 Cr24,000,000
↑ 24,000,000
Axis Bank Ltd.
Debentures | -
1%₹237 Cr5,000
↑ 5,000
REC Ltd.
Debentures | -
1%₹189 Cr4,000
↑ 4,000
Gs CG 12/12/2025 - (Strips) Tb
Sovereign Bonds | -
1%₹186 Cr19,009,500
↑ 19,009,500

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 (₹35,968 Cr).
  • Established history (15+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 7.85% (lower mid).
  • 1M return: -0.31% (bottom quartile).
  • Sharpe: 1.46 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.88% (upper mid).
  • Modified duration: 4.20 yrs (bottom quartile).
  • Average maturity: 6.78 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 (29 Aug 25) ₹32.7428 ↓ -0.03   (-0.09 %)
Net Assets (Cr) ₹35,968 on 31 Jul 25
Category Debt - Corporate Bond
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.6
Sharpe Ratio 1.46
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load NIL
Yield to Maturity 6.88%
Effective Maturity 6 Years 9 Months 11 Days
Modified Duration 4 Years 2 Months 12 Days
Sub Cat. Corporate Bond

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,504
31 Jul 22₹10,766
31 Jul 23₹11,542
31 Jul 24₹12,441
31 Jul 25₹13,564

HDFC Corporate Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 28 Aug 25

DurationReturns
1 Month -0.3%
3 Month 0.1%
6 Month 4.1%
1 Year 7.9%
3 Year 7.5%
5 Year 6.4%
10 Year
15 Year
Since launch 8.1%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Anupam Joshi27 Oct 159.77 Yr.
Dhruv Muchhal22 Jun 232.11 Yr.

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

Asset Allocation
Asset ClassValue
Cash2.75%
Debt96.98%
Other0.28%
Debt Sector Allocation
SectorValue
Corporate58.43%
Government38.55%
Cash Equivalent2.75%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.92% Govt Stock 2039
Sovereign Bonds | -
7%₹2,409 Cr235,000,000
↑ 11,500,000
Bajaj Finance Limited
Debentures | -
3%₹1,127 Cr112,500
7.81% Govt Stock 2033
Sovereign Bonds | -
3%₹925 Cr89,000,000
State Bank Of India
Debentures | -
2%₹804 Cr800
India (Republic of) 6.68%
Sovereign Bonds | -
2%₹753 Cr75,000,000
↑ 75,000,000
7.23% Govt Stock 2039
Sovereign Bonds | -
1%₹531 Cr50,500,000
↓ -39,500,000
HDFC Bank Limited
Debentures | -
1%₹519 Cr50,000
Small Industries Development Bank Of India
Debentures | -
1%₹511 Cr50,000
LIC Housing Finance Ltd
Debentures | -
1%₹510 Cr5,000
6.99% Govt Stock 2034
Sovereign Bonds | -
1%₹486 Cr47,500,000

9. HDFC Banking and PSU Debt Fund

To generate regular income through investments in debt and money market instruments consisting predominantly of securities issued by entities such as Scheduled Commercial Banks and Public Sector undertakings. There is no assurance that the investment objective of the Scheme will be realized.

Research Highlights for HDFC Banking and PSU Debt Fund

  • Upper mid AUM (₹5,935 Cr).
  • Established history (11+ yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.79% (lower mid).
  • 1M return: -0.16% (lower mid).
  • Sharpe: 1.31 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.78% (upper mid).
  • Modified duration: 3.52 yrs (bottom quartile).
  • Average maturity: 5.13 yrs (bottom quartile).
  • Exit load: NIL.

Below is the key information for HDFC Banking and PSU Debt Fund

HDFC Banking and PSU Debt Fund
Growth
Launch Date 26 Mar 14
NAV (29 Aug 25) ₹23.1776 ↓ -0.01   (-0.06 %)
Net Assets (Cr) ₹5,935 on 31 Jul 25
Category Debt - Banking & PSU Debt
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.78
Sharpe Ratio 1.31
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load NIL
Yield to Maturity 6.78%
Effective Maturity 5 Years 1 Month 17 Days
Modified Duration 3 Years 6 Months 7 Days
Sub Cat. Banking & PSU Debt

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,509
31 Jul 22₹10,789
31 Jul 23₹11,500
31 Jul 24₹12,340
31 Jul 25₹13,416

HDFC Banking and PSU Debt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 Banking and 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 28 Aug 25

DurationReturns
1 Month -0.2%
3 Month 0.3%
6 Month 4.3%
1 Year 7.8%
3 Year 7.2%
5 Year 6.1%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.9%
2023 6.8%
2022 3.3%
2021 3.7%
2020 10.6%
2019 10.2%
2018 5.9%
2017 6.3%
2016 10.8%
2015 9.8%
Fund Manager information for HDFC Banking and PSU Debt Fund
NameSinceTenure
Anil Bamboli26 Mar 1411.36 Yr.
Dhruv Muchhal22 Jun 232.11 Yr.

Data below for HDFC Banking and PSU Debt Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash3.79%
Debt95.92%
Other0.29%
Debt Sector Allocation
SectorValue
Corporate54.07%
Government41.85%
Cash Equivalent3.79%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Indian Railway Finance Corporation Limited
Debentures | -
5%₹283 Cr27,500
Small Industries Development Bank Of India
Debentures | -
4%₹227 Cr22,500
Indian Railway Finance Corporation Limited
Debentures | -
3%₹206 Cr20,000
7.18% Govt Stock 2033
Sovereign Bonds | -
3%₹199 Cr19,000,000
State Bank Of India
Debentures | -
3%₹176 Cr175
Rec Limited
Debentures | -
3%₹154 Cr1,500
Bajaj Housing Finance Limited
Debentures | -
3%₹153 Cr15,000
7.26% Govt Stock 2033
Sovereign Bonds | -
3%₹153 Cr14,500,000
↓ -2,500,000
Housing And Urban Development Corporation Limited
Debentures | -
3%₹152 Cr15,000
Housing And Urban Development Corporation Limited
Debentures | -
2%₹132 Cr1,250

10. 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 (₹28,598 Cr).
  • Oldest track record among peers (28 yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.73% (lower mid).
  • 1M return: -0.39% (bottom quartile).
  • Sharpe: 1.54 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.90% (top quartile).
  • Modified duration: 4.53 yrs (bottom quartile).
  • Average maturity: 6.88 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 (29 Aug 25) ₹113.433 ↓ -0.16   (-0.14 %)
Net Assets (Cr) ₹28,598 on 31 Jul 25
Category Debt - Corporate Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.52
Sharpe Ratio 1.54
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 6.9%
Effective Maturity 6 Years 10 Months 17 Days
Modified Duration 4 Years 6 Months 11 Days
Sub Cat. Corporate Bond

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,559
31 Jul 22₹10,887
31 Jul 23₹11,654
31 Jul 24₹12,572
31 Jul 25₹13,703

Aditya Birla Sun Life Corporate Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 28 Aug 25

DurationReturns
1 Month -0.4%
3 Month 0%
6 Month 3.9%
1 Year 7.7%
3 Year 7.6%
5 Year 6.5%
10 Year
15 Year
Since launch 8.9%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Kaustubh Gupta12 Apr 214.31 Yr.

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

Asset Allocation
Asset ClassValue
Cash2.72%
Debt97%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate60.25%
Government36.75%
Cash Equivalent2.72%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.92% Govt Stock 2039
Sovereign Bonds | -
9%₹2,703 Cr263,736,200
↑ 1,500,000
6.79% Govt Stock 2034
Sovereign Bonds | -
7%₹1,995 Cr194,000,000
↑ 5,000,000
National Bank For Agriculture And Rural Development
Debentures | -
4%₹1,134 Cr111,000
↑ 50,000
7.1% Govt Stock 2034
Sovereign Bonds | -
3%₹838 Cr80,161,700
↑ 5,500,000
Small Industries Development Bank Of India
Debentures | -
3%₹751 Cr74,550
7.34% Govt Stock 2064
Sovereign Bonds | -
2%₹696 Cr67,000,000
↓ -11,000,000
Small Industries Development Bank Of India
Debentures | -
2%₹604 Cr6,000
Jamnagar Utilities & Power Private Limited
Debentures | -
2%₹594 Cr59,000
Rec Limited
Debentures | -
2%₹589 Cr60,000
↑ 7,500
Bajaj Housing Finance Limited
Debentures | -
2%₹564 Cr55,000

11. 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 (₹15,051 Cr).
  • Established history (15+ yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 7.49% (lower mid).
  • 1M return: -0.66% (bottom quartile).
  • Sharpe: 1.53 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.32% (top quartile).
  • Modified duration: 3.68 yrs (bottom quartile).
  • Average maturity: 9.60 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 (29 Aug 25) ₹37.0259 ↓ -0.07   (-0.20 %)
Net Assets (Cr) ₹15,051 on 31 Jul 25
Category Debt - Dynamic Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.3
Sharpe Ratio 1.53
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 7.32%
Effective Maturity 9 Years 7 Months 6 Days
Modified Duration 3 Years 8 Months 5 Days
Sub Cat. Dynamic Bond

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,526
31 Jul 22₹10,877
31 Jul 23₹11,727
31 Jul 24₹12,640
31 Jul 25₹13,783

ICICI Prudential Long Term Plan SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 28 Aug 25

DurationReturns
1 Month -0.7%
3 Month -0.1%
6 Month 3.8%
1 Year 7.5%
3 Year 7.6%
5 Year 6.7%
10 Year
15 Year
Since launch 8.7%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Manish Banthia28 Sep 1212.85 Yr.
Nikhil Kabra22 Jan 241.52 Yr.

Data below for ICICI Prudential Long Term Plan as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash11.24%
Debt88.49%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate52.95%
Government40.87%
Cash Equivalent5.91%
Credit Quality
RatingValue
AA34.21%
AAA65.79%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.34% Govt Stock 2064
Sovereign Bonds | -
8%₹1,227 Cr118,212,000
LIC Housing Finance Ltd
Debentures | -
6%₹956 Cr94,000
7.09% Govt Stock 2054
Sovereign Bonds | -
5%₹709 Cr70,000,000
7.81% Govt Stock 2033
Sovereign Bonds | -
5%₹695 Cr66,848,050
6.9% Govt Stock 2065
Sovereign Bonds | -
5%₹688 Cr70,000,000
↑ 50,000,000
6.99% Govt Stock 2034
Sovereign Bonds | -
3%₹465 Cr45,460,800
Vedanta Limited
Debentures | -
3%₹403 Cr40,000
Maharashtra (Government of)
- | -
2%₹301 Cr30,000,000
↑ 30,000,000
Maharashtra (Government of)
- | -
2%₹301 Cr30,000,000
↑ 30,000,000
Maharashtra (Government of)
- | -
2%₹292 Cr29,159,500
↑ 29,159,500

12. Indiabulls Liquid Fund

To provide a high level of liquidity with returns commensurate with low risk through a portfolio of money market and debt securities with maturity of up to 91days. However, there can be no assurance that the investment objective of the scheme will be achieved.

Research Highlights for Indiabulls Liquid Fund

  • Bottom quartile AUM (₹393 Cr).
  • Established history (13+ yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.98% (bottom quartile).
  • 1M return: 0.47% (top quartile).
  • Sharpe: 3.05 (upper mid).
  • Information ratio: -1.37 (bottom quartile).
  • Yield to maturity (debt): 5.77% (lower mid).
  • Modified duration: 0.11 yrs (upper mid).
  • Average maturity: 0.11 yrs (upper mid).
  • Exit load: NIL.

Below is the key information for Indiabulls Liquid Fund

Indiabulls Liquid Fund
Growth
Launch Date 27 Oct 11
NAV (29 Aug 25) ₹2,548.77 ↑ 0.39   (0.02 %)
Net Assets (Cr) ₹393 on 31 Jul 25
Category Debt - Liquid Fund
AMC Indiabulls Asset Management Company Ltd.
Rating
Risk Low
Expense Ratio 0.2
Sharpe Ratio 3.05
Information Ratio -1.37
Alpha Ratio -0.09
Min Investment 500
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 5.77%
Effective Maturity 1 Month 11 Days
Modified Duration 1 Month 10 Days
Sub Cat. Liquid Fund

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,311
31 Jul 22₹10,663
31 Jul 23₹11,333
31 Jul 24₹12,162
31 Jul 25₹13,023

Indiabulls Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Indiabulls Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Aug 25

DurationReturns
1 Month 0.5%
3 Month 1.5%
6 Month 3.3%
1 Year 7%
3 Year 6.9%
5 Year 5.5%
10 Year
15 Year
Since launch 7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.4%
2023 6.8%
2022 4.6%
2021 3.1%
2020 3.9%
2019 6.6%
2018 7.3%
2017 6.7%
2016 7.8%
2015 8.5%
Fund Manager information for Indiabulls Liquid Fund
NameSinceTenure
Kaustubh Sule11 May 232.23 Yr.

Data below for Indiabulls Liquid Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash99.79%
Other0.21%
Debt Sector Allocation
SectorValue
Cash Equivalent83.95%
Corporate12.11%
Government3.73%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Reverse Repo 16-Jul-25
CBLO/Reverse Repo | -
13%₹41 Cr
Reliance Retail Ventures Limited
Commercial Paper | -
8%₹25 Cr2,500,000
↑ 2,500,000
Punjab National Bank
Domestic Bonds | -
8%₹25 Cr2,500,000
HDFC Bank Ltd.
Debentures | -
8%₹25 Cr2,500,000
Indian Oil Corp Ltd.
Commercial Paper | -
8%₹25 Cr2,500,000
↑ 2,500,000
LIC Housing Finance Ltd.
Commercial Paper | -
8%₹25 Cr2,500,000
Power Finance Corporation Limited
Debentures | -
7%₹25 Cr2,450,000
Bajaj Financial Securities Limited
Commercial Paper | -
7%₹24 Cr2,400,000
Bank Of Baroda
Certificate of Deposit | -
6%₹20 Cr2,000,000
Axis Bank Limited
Certificate of Deposit | -
6%₹20 Cr2,000,000
↑ 1,500,000

13. PGIM India Insta Cash Fund

(Erstwhile DHFL Pramerica Insta Cash Plus Fund)

To generate steady returns along with high liquidity by investing in a portfolio of short-term, high quality money market and debt instruments.

Research Highlights for PGIM India Insta Cash Fund

  • Lower mid AUM (₹513 Cr).
  • Established history (17+ yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.96% (bottom quartile).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.30 (top quartile).
  • Information ratio: -0.82 (bottom quartile).
  • Yield to maturity (debt): 5.81% (lower mid).
  • Modified duration: 0.13 yrs (upper mid).
  • Average maturity: 0.13 yrs (upper mid).
  • Exit load: NIL.

Below is the key information for PGIM India Insta Cash Fund

PGIM India Insta Cash Fund
Growth
Launch Date 5 Sep 07
NAV (29 Aug 25) ₹343.079 ↑ 0.06   (0.02 %)
Net Assets (Cr) ₹513 on 31 Jul 25
Category Debt - Liquid Fund
AMC Pramerica Asset Managers Private Limited
Rating
Risk Low
Expense Ratio 0.27
Sharpe Ratio 3.3
Information Ratio -0.82
Alpha Ratio -0.08
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 5.81%
Effective Maturity 1 Month 17 Days
Modified Duration 1 Month 15 Days
Sub Cat. Liquid Fund

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,319
31 Jul 22₹10,699
31 Jul 23₹11,404
31 Jul 24₹12,232
31 Jul 25₹13,095

PGIM India Insta Cash Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for PGIM India Insta Cash Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Aug 25

DurationReturns
1 Month 0.5%
3 Month 1.5%
6 Month 3.3%
1 Year 7%
3 Year 7%
5 Year 5.6%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.3%
2023 7%
2022 4.8%
2021 3.3%
2020 4.2%
2019 6.7%
2018 7.4%
2017 6.7%
2016 7.7%
2015 8.4%
Fund Manager information for PGIM India Insta Cash Fund
NameSinceTenure
Bhupesh Kalyani13 Sep 222.88 Yr.
Puneet Pal16 Jul 223.05 Yr.

Data below for PGIM India Insta Cash Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash99.59%
Other0.41%
Debt Sector Allocation
SectorValue
Cash Equivalent68.25%
Corporate25.92%
Government5.43%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Clearing Corporation Of India Ltd.
CBLO/Reverse Repo | -
18%₹99 Cr
HDFC Bank Limited
Certificate of Deposit | -
9%₹48 Cr4,800,000
↑ 2,500,000
Smfg India Credit Company Limited
Debentures | -
5%₹25 Cr2,500,000
Indian Bank
Certificate of Deposit | -
5%₹25 Cr2,500,000
Canara Bank
Certificate of Deposit | -
5%₹25 Cr2,500,000
Small Industries Development Bank of India
Commercial Paper | -
5%₹25 Cr2,500,000
Indian Oil Corp Ltd.
Commercial Paper | -
5%₹25 Cr2,500,000
DCM Shriram Ltd
Commercial Paper | -
5%₹25 Cr2,500,000
Motilal Oswal Financial Services Ltd
Commercial Paper | -
5%₹25 Cr2,500,000
↑ 2,500,000
Godrej Consumer Products Ltd.
Commercial Paper | -
5%₹25 Cr2,500,000
↑ 2,500,000

14. JM Liquid Fund

(Erstwhile JM High Liquidity Fund)

To provide income by way of dividend (dividend plans) and capital gains (growth plan) through investing in debt and money market instruments.

Research Highlights for JM Liquid Fund

  • Lower mid AUM (₹3,225 Cr).
  • Established history (27+ yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.84% (bottom quartile).
  • 1M return: 0.46% (upper mid).
  • Sharpe: 2.80 (upper mid).
  • Information ratio: -2.27 (bottom quartile).
  • Yield to maturity (debt): 5.77% (bottom quartile).
  • Modified duration: 0.10 yrs (top quartile).
  • Average maturity: 0.10 yrs (top quartile).
  • Exit load: NIL.

Below is the key information for JM Liquid Fund

JM Liquid Fund
Growth
Launch Date 31 Dec 97
NAV (29 Aug 25) ₹71.898 ↑ 0.01   (0.02 %)
Net Assets (Cr) ₹3,225 on 31 Jul 25
Category Debt - Liquid Fund
AMC JM Financial Asset Management Limited
Rating
Risk Low
Expense Ratio 0.22
Sharpe Ratio 2.8
Information Ratio -2.27
Alpha Ratio -0.16
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 5.77%
Effective Maturity 1 Month 7 Days
Modified Duration 1 Month 5 Days
Sub Cat. Liquid Fund

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,320
31 Jul 22₹10,703
31 Jul 23₹11,403
31 Jul 24₹12,229
31 Jul 25₹13,079

JM Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for JM Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Aug 25

DurationReturns
1 Month 0.5%
3 Month 1.5%
6 Month 3.2%
1 Year 6.8%
3 Year 6.9%
5 Year 5.6%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.2%
2023 7%
2022 4.8%
2021 3.3%
2020 4%
2019 6.6%
2018 7.4%
2017 6.7%
2016 7.7%
2015 8.4%
Fund Manager information for JM Liquid Fund
NameSinceTenure
Killol Pandya5 Nov 240.74 Yr.
Naghma Khoja21 Oct 213.78 Yr.
Ruchi Fozdar3 Apr 241.33 Yr.

Data below for JM Liquid Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash99.7%
Other0.3%
Debt Sector Allocation
SectorValue
Cash Equivalent82.02%
Corporate9.32%
Government8.37%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Small Industries Development Bank Of India
Commercial Paper | -
7%₹199 Cr20,000,000
↑ 10,000,000
Net Receivable/Payable
Net Current Assets | -
4%₹103 Cr
Bank Of Baroda
Certificate of Deposit | -
4%₹100 Cr10,000,000
↑ 10,000,000
Export-Import Bank Of India
Commercial Paper | -
4%₹100 Cr10,000,000
Bank of Baroda
Debentures | -
4%₹99 Cr10,000,000
Punjab National Bank
Domestic Bonds | -
4%₹99 Cr10,000,000
Axis Bank Ltd.
Debentures | -
4%₹99 Cr10,000,000
↑ 5,000,000
Ccil
CBLO/Reverse Repo | -
4%₹96 Cr96,433
↑ 96,433
Godrej Agrovet Ltd.
Commercial Paper | -
3%₹75 Cr7,500,000
Tata Capital Housing Finance Ltd.
Commercial Paper | -
2%₹50 Cr5,000,000
↑ 5,000,000

15. Edelweiss Arbitrage Fund

The investment objective of the Scheme is to generate income by predominantly investing in arbitrage opportunities in the cash and the derivative segments of the equity markets and the arbitrage opportunities available within the derivative segment and by investing the balance in debt and money market instruments. However, there is no assurance that the investment objective of the scheme will be realized.

Research Highlights for Edelweiss Arbitrage Fund

  • Upper mid AUM (₹15,550 Cr).
  • Established history (11+ yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 5Y return: 5.71% (lower mid).
  • 3Y return: 7.01% (lower mid).
  • 1Y return: 6.79% (bottom quartile).
  • 1M return: 0.49% (top quartile).
  • Alpha: 0.00 (top quartile).
  • Sharpe: 0.90 (bottom quartile).
  • Information ratio: -0.95 (bottom quartile).

Below is the key information for Edelweiss Arbitrage Fund

Edelweiss Arbitrage Fund
Growth
Launch Date 27 Jun 14
NAV (29 Aug 25) ₹19.5537 ↓ 0.00   (-0.01 %)
Net Assets (Cr) ₹15,550 on 31 Jul 25
Category Hybrid - Arbitrage
AMC Edelweiss Asset Management Limited
Rating
Risk Moderately Low
Expense Ratio 1.07
Sharpe Ratio 0.9
Information Ratio -0.95
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-30 Days (0.25%),30 Days and above(NIL)
Sub Cat. Arbitrage

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,391
31 Jul 22₹10,743
31 Jul 23₹11,433
31 Jul 24₹12,329
31 Jul 25₹13,182

Edelweiss Arbitrage Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹349,120.
Net Profit of ₹49,120
Invest Now

Returns for Edelweiss Arbitrage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Aug 25

DurationReturns
1 Month 0.5%
3 Month 1.5%
6 Month 3.2%
1 Year 6.8%
3 Year 7%
5 Year 5.7%
10 Year
15 Year
Since launch 6.2%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.7%
2023 7.1%
2022 4.4%
2021 3.8%
2020 4.5%
2019 6.2%
2018 6.1%
2017 5.8%
2016 6.7%
2015 8%
Fund Manager information for Edelweiss Arbitrage Fund
NameSinceTenure
Bhavesh Jain27 Jun 1411.1 Yr.
Rahul Dedhia1 Aug 241 Yr.
Amit Vora6 Nov 240.73 Yr.
Pranavi Kulkarni1 Jul 241.08 Yr.

Data below for Edelweiss Arbitrage Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash94.71%
Debt5.59%
Other0.02%
Equity Sector Allocation
SectorValue
Financial Services22.8%
Basic Materials9.48%
Energy6.53%
Consumer Cyclical6.35%
Industrials5.98%
Technology5.46%
Utility5.19%
Health Care4.82%
Consumer Defensive4.78%
Communication Services3.71%
Real Estate0.91%
Debt Sector Allocation
SectorValue
Cash Equivalent87.62%
Corporate6.5%
Government6.18%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Edelweiss Liquid Dir Gr
Investment Fund | -
7%₹1,010 Cr2,964,422
Future on HDFC Bank Ltd
Derivatives | -
4%-₹554 Cr2,758,800
↓ -940,500
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 21 | HDFCBANK
4%₹552 Cr2,758,800
↓ -940,500
Future on Reliance Industries Ltd
Derivatives | -
3%-₹468 Cr3,102,500
↓ -526,000
Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE
3%₹466 Cr3,102,500
↓ -526,000
Edelweiss Money Market Dir Gr
Investment Fund | -
2%₹367 Cr116,773,006
↑ 15,948,980
Future on State Bank of India
Derivatives | -
2%-₹261 Cr3,171,000
↓ -772,500
State Bank of India (Financial Services)
Equity, Since 31 Jan 23 | SBIN
2%₹260 Cr3,171,000
↓ -772,500
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 23 | BHARTIARTL
2%₹250 Cr1,244,025
↓ -208,525
Future on Bharti Airtel Ltd
Derivatives | -
2%-₹250 Cr1,244,025
↓ -208,525

Mutual Fund Investment Options

Ideally, there are two options to invest in Mutual FundsSIP and lump sum. In a SIP, an investor can invest periodically, i.e., monthly, quarterly, etc. Whereas, in a lump sum, investors have to make one-time payment as an investment. Here, the deposit does not take place at multiple times.

In a SIP, investors can start their monthly investment with just INR 500, and in a lump sum, one can start investing with INR 5000. If you are a first-time investor, you can either use a sip calculator or a lump sum calculator to pre-determine your investments before investing.

SIP Calculator

When using a SIP calculator, one has to fill certain variables, that include-

  • The desired investment duration
  • The estimated monthly SIP amount
  • Expected inflation rate (annual) for the years to come
  • Long-term growth rate on investments

Once you feed all the above-mentioned information, the calculator will end up giving you the amount you will receive (your SIP returns) after the number of years mentioned. Your net profit will be highlighted as well so that you can estimate your goal fulfilment accordingly.

Lump Sum Calculator

Individuals who are new to investment, find it difficult to understand the concept of lumpsum calculator and its functioning. Therefore, to ease out the complexities, the detailed information about the calculation is given. Go through this information to understand the process. The input data that needs to be fed in the lumpsum calculator includes:

  • The tenure of lumpsum investment
  • The amount of money is being invested through lumpsum mode
  • Expected rate of returns in the long-term from equity markets
  • Expected annual inflation rate

How to Invest in Mutual Funds Online?

  1. Open Free Investment Account for Lifetime at Fincash.com.

  2. Complete your Registration and KYC Process

  3. Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!

    Get Started

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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