ਐਫਡੀ ਬਨਾਮ ਕਰਜ਼ਾ ਮਿਉਚੁਅਲ ਫੰਡ

Updated on September 28, 2026 , 8763 views

ਐੱਫ.ਡੀ ਬਨਾਮਕਰਜ਼ਾ ਫੰਡ? ਸੋਚਣਾਕਿੱਥੇ ਨਿਵੇਸ਼ ਕਰਨਾ ਹੈ ਚੰਗੀ ਰਿਟਰਨ ਕਮਾਉਣ ਲਈ ਤੁਹਾਡੀ ਬਚਤ। ਆਮ ਤੌਰ 'ਤੇ, ਲੋਕ ਵਿਚਾਰ ਕਰਦੇ ਹਨਨਿਵੇਸ਼ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਜਾਂ FD ਵਿੱਚ ਸਭ ਤੋਂ ਸੁਵਿਧਾਜਨਕ ਵਿਕਲਪ ਹੈ ਕਿਉਂਕਿ ਇਹ ਸੁਰੱਖਿਅਤ ਹੈ ਅਤੇ ਸਥਿਰ ਰਿਟਰਨ ਦੀ ਪੇਸ਼ਕਸ਼ ਕਰਦਾ ਹੈ। ਪਰ ਕੀ ਇਹ ਸਭ ਤੋਂ ਵਧੀਆ ਤਰੀਕਾ ਹੈ? ਹਾਲਾਂਕਿ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਸਾਰਿਆਂ ਲਈ ਇੱਕ ਆਸਾਨ ਨਿਵੇਸ਼ ਵਿਕਲਪ ਹੈ, ਹਾਲਾਂਕਿ, ਟੈਕਸਯੋਗ ਹੋਣ ਵਾਲੀ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਦੇ ਰਿਟਰਨ ਇੱਕ ਕਰਜ਼ਾ ਫੰਡ ਦੇ ਮੁਕਾਬਲੇ ਬਹੁਤ ਘੱਟ ਹਨ। ਇਸ ਤੋਂ ਇਲਾਵਾ, ਜਦੋਂ ਲੰਬੇ ਸਮੇਂ ਲਈ ਰੱਖੀ ਜਾਂਦੀ ਹੈ, ਕਰਜ਼ਾਮਿਉਚੁਅਲ ਫੰਡ ਚੰਗੀ ਰਿਟਰਨ ਦੀ ਪੇਸ਼ਕਸ਼ ਕਰਦਾ ਹੈ. ਕਰਜ਼ੇ ਦੇ ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਜਾਂ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨ ਦਾ ਅੰਤਿਮ ਫੈਸਲਾ ਲੈਣ ਤੋਂ ਪਹਿਲਾਂ, ਇਹਨਾਂ ਨਿਵੇਸ਼ਾਂ ਦੀ ਵਿਸਤ੍ਰਿਤ ਤੁਲਨਾ ਕਰੋ।

ਸਾਰੰਸ਼ ਵਿੱਚ:

ਕਰਜ਼ਾ ਮਿਉਚੁਅਲ ਫੰਡ (ਕਰਜ਼ਾ ਫੰਡ) ਬਨਾਮ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ (FD)

ਸਾਨੂੰ ਇਸ ਨੂੰ ਜੋਖਮ ਲੈਣ ਦੀ ਯੋਗਤਾ ਅਤੇ ਨਿਰਧਾਰਤ ਹੋਲਡਿੰਗ ਪੀਰੀਅਡ ਦੁਆਰਾ ਤੋੜਨ ਦੀ ਜ਼ਰੂਰਤ ਹੋਏਗੀਨਿਵੇਸ਼ਕ ਸਵਾਲ ਵਿੱਚ.

ਛੋਟੀ ਹੋਲਡਿੰਗ ਪੀਰੀਅਡ (1 ਸਾਲ ਜਾਂ ਘੱਟ)

ਇੱਥੇ ਕਰਜ਼ੇ ਫੰਡ ਲਈ ਵਿਕਲਪ ਸੀਮਤ ਹੋਣਗੇਤਰਲ ਫੰਡ, ਅਤਿ-ਛੋਟੀ ਮਿਆਦ ਦੇ ਫੰਡ ਅਤੇ ਥੋੜ੍ਹੇ ਸਮੇਂ ਲਈਆਮਦਨ ਫੰਡ ਹਾਲਾਂਕਿ ਰਿਟਰਨ ਜਾਂ ਉਪਜ ਆਮ ਤੌਰ 'ਤੇ ਤਰਲ ਤੋਂ ਅਲਟਰਾ-ਸ਼ਾਰਟ ਤੋਂ ਥੋੜ੍ਹੇ ਸਮੇਂ ਦੇ ਫੰਡ ਤੱਕ ਵੱਧ ਜਾਂਦੀ ਹੈ, ਇਹਨਾਂ ਰਿਣ ਫੰਡਾਂ ਅਤੇ ਇੱਕ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਵਿਚਕਾਰ ਉਪਜ ਦਾ ਅੰਤਰ ਪਿਛਲੇ ਇੱਕ ਸਾਲ ਵਿੱਚ ਉਹਨਾਂ ਦੇ ਰਿਟਰਨ ਨੂੰ ਧਿਆਨ ਵਿੱਚ ਰੱਖਦੇ ਹੋਏ ਨਿਰਧਾਰਤ ਕੀਤਾ ਜਾ ਸਕਦਾ ਹੈ।

ਕਰਜ਼ਾ ਮਿਉਚੁਅਲ ਫੰਡ (ਸ਼੍ਰੇਣੀ ਔਸਤ ਵਾਪਸੀ)

ਕਰਜ਼ਾ ਮਿਉਚੁਅਲ ਫੰਡ ਦੀ ਕਿਸਮ	ਪਿਛਲੇ 1 ਸਾਲ ਵਾਪਸੀ (%)
ਤਰਲ ਫੰਡ	7.36
ਅਲਟਰਾ ਸ਼ਾਰਟ-ਟਰਮ ਡੈਬਟ ਫੰਡ	9.18
ਥੋੜ੍ਹੇ ਸਮੇਂ ਦੇ ਕਰਜ਼ੇ ਫੰਡ	9.78
ਡਾਇਨਾਮਿਕ ਕਰਜ਼ਾ ਫੰਡ	13.89
ਲੰਬੇ ਸਮੇਂ ਦੇ ਕਰਜ਼ੇ ਫੰਡ	13.19
ਗਿਲਟ ਸ਼ਾਰਟ-ਟਰਮ ਫੰਡ	11.76
ਗਿਲਟ ਲੰਬੇ ਸਮੇਂ ਦੇ ਫੰਡ	15.06
20 ਫਰਵਰੀ 2017 ਦਾ ਡਾਟਾ

ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਜਾਂ FD ਔਸਤ ਵਾਪਸੀ ਦਰ

ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਦੀ ਔਸਤ ਵਾਪਸੀ ਦਰ 8-8.5% p.a. ਸਾਲ 2016 ਵਿੱਚ (ਇਸ ਲਈ ਕੋਈ ਸਾਰਣੀ ਵਿੱਚ ਉਪਰੋਕਤ ਰਿਟਰਨਾਂ ਦੀ ਤੁਲਨਾ ਕਰ ਸਕਦਾ ਹੈ)। ਹਾਲਾਂਕਿ, ਪਿਛਲੇ ਇੱਕ ਸਾਲ ਵਿੱਚ, ਰਿਟਰਨ ਦਰ ਘਟ ਕੇ 6.6-7.5% p.a.

ਉਪਰੋਕਤ ਉਦਾਹਰਣ ਦੇ ਨਾਲ, ਇਹ ਸਪੱਸ਼ਟ ਹੈ ਕਿ ਕਰਜ਼ਾ ਫੰਡਾਂ ਦੀ ਵਾਪਸੀ ਦੀ ਔਸਤ ਦਰ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਨਾਲੋਂ ਬਿਹਤਰ ਹੈ।

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ਲੰਬੇ ਸਮੇਂ ਦੀ ਹੋਲਡਿੰਗ ਪੀਰੀਅਡ

ਲੰਬੇ ਸਮੇਂ ਦੀ ਹੋਲਡਿੰਗ ਅਵਧੀ ਦੇ ਨਾਲ, ਕਰਜ਼ਾ ਫੰਡ FDs ਨਾਲੋਂ ਬਿਹਤਰ ਸਾਬਤ ਹੋ ਸਕਦੇ ਹਨ।

ਇੱਥੇ ਨਿਵੇਸ਼ ਕਰਨ ਦੇ ਵਿਕਲਪ ਹੋਣਗੇ:

ਲੰਬੇ ਸਮੇਂ ਦੀ ਆਮਦਨੀ ਫੰਡ
ਲੰਬੇ ਸਮੇਂ ਲਈ ਗਿਲਟ,
ਕਾਰਪੋਰੇਟਬਾਂਡ ਫੰਡ (ਉੱਚ ਉਪਜ ਫੰਡ), ਤਰਲ ਦੇ ਉੱਪਰ ਦੱਸੇ ਗਏ ਵਿਕਲਪਾਂ ਤੋਂ ਇਲਾਵਾ, ਅਲਟਰਾ-ਸ਼ਾਰਟ ਅਤੇ ਥੋੜ੍ਹੇ ਸਮੇਂ ਦੇ ਫੰਡ ਵੀ ਵਰਤੇ ਜਾ ਸਕਦੇ ਹਨ।

ਇਹ ਦੇਖਦੇ ਹੋਏ ਕਿ ਹੋਲਡਿੰਗ ਦੀ ਮਿਆਦ 3 ਸਾਲ ਜਾਂ ਵੱਧ ਹੋ ਸਕਦੀ ਹੈ, ਅਸੀਂ ਹੇਠਾਂ ਕਹਿ ਸਕਦੇ ਹਾਂ:

ਨਾਲਪੂੰਜੀ ਸੂਚਕਾਂਕ ਲਾਭਾਂ ਦੇ ਨਾਲ 20% 'ਤੇ ਲਾਭ ਟੈਕਸ, ਸ਼ੁੱਧ ਟੈਕਸ ਘਟਨਾਵਾਂ ਘੱਟ ਤੋਂ ਘੱਟ ਹੋਣਗੀਆਂ (ਹਾਲਾਂਕਿ ਕਿਸੇ ਨੂੰ ਟੈਕਸ ਦੀ ਘਟਨਾ ਦੀ ਗਣਨਾ ਕਰਨ ਵਾਲੇ ਟੈਕਸ ਦੇ ਸਾਲ ਦੇ ਹਿਸਾਬ ਨਾਲ ਕਰਨੀ ਚਾਹੀਦੀ ਹੈ)
ਲੰਬੇ ਸਮੇਂ ਦੀ ਆਮਦਨ ਫੰਡ/ਗਿਲਟ ਫੰਡ ਉੱਚ ਪੈਦਾਵਾਰ ਦੇ ਨਾਲ ਅਤੇ ਇਸ ਤੋਂ ਇਲਾਵਾ, ਜੇਕਰ ਵਿਆਜ ਦਰਾਂ ਘੱਟ ਜਾਂਦੀਆਂ ਹਨ ਤਾਂ ਬਹੁਤ ਜ਼ਿਆਦਾ ਰਿਟਰਨ ਮਿਲੇਗਾ।
ਇਹਨਾਂ ਰਿਣ ਫੰਡਾਂ ਦੇ ਨਾਲ ਇੱਕ ਉੱਚ ਦੋ ਅੰਕਾਂ ਦੇ ਰਿਟਰਨ ਦੇ ਨਾਲ ਖਤਮ ਹੋ ਸਕਦਾ ਹੈ।

ਲੰਬੀ-ਅਵਧੀ ਆਮਦਨ ਫੰਡਾਂ 'ਤੇ ਰਿਟਰਨ ਦੀ ਹੇਠਾਂ ਦਿੱਤੀ ਉਦਾਹਰਣ ਲਓ, ਸ਼੍ਰੇਣੀ ਲਈ ਔਸਤ ਪਿਛਲੇ 1-ਸਾਲ ਦੀ ਰਿਟਰਨ 12.19% ਹੈ ਅਤੇ ਪਿਛਲੇ 3 ਸਾਲਾਂ ਵਿੱਚ 10.32% p.a. ਇਸ ਮਿਆਦ ਵਿੱਚ ਕੋਈ ਵੀ FD ਸਮਾਨ ਰਿਟਰਨ ਨਹੀਂ ਦੇ ਸਕਦਾ ਸੀ। ਗਿਲਟ ਫੰਡ ਰਿਟਰਨ ਹੋਰ ਵੀ ਵੱਧ ਹਨ। ਇਸੇ ਮਿਆਦ ਵਿੱਚ, ਪਿਛਲੇ ਸਾਲ FD ਦਰਾਂ ਜ਼ਿਆਦਾਤਰ ਬੈਂਕਾਂ ਵਿੱਚ 8-8.5% ਸਲਾਨਾ ਦੇ ਨੇੜੇ ਹੋਣਗੀਆਂ, (ਹਾਲਾਂਕਿ ਅੱਜ ਦਰਾਂ ਹੋਰ ਘਟ ਕੇ 6.5 - 7.5% ਹੋ ਗਈਆਂ ਹਨ)

ਇਸ ਲਈ ਇੱਕ ਨਿਵੇਸ਼ਕ ਦੇ ਨਾਲ ਲੰਬੇ ਸਮੇਂ ਤੱਕ ਹੋਲਡਿੰਗ ਪੀਰੀਅਡ ਅਤੇ ਵਿਆਜ ਦਰਾਂ ਵਿੱਚ ਗਿਰਾਵਟ ਹੋਣ ਦੇ ਨਾਲ, ਇੱਕ ਕਰਜ਼ਾ ਫੰਡ (ਲੰਮੀ ਮਿਆਦ ਦੀ ਆਮਦਨ ਜਾਂ ਗਿਲਟ) ਇੱਕ FD ਨਾਲੋਂ ਬਹੁਤ ਵਧੀਆ ਰਿਟਰਨ ਦੇਵੇਗਾ। ਇੱਥੋਂ ਤੱਕ ਕਿ ਵਿਆਜ ਦਰਾਂ ਨਾ ਡਿੱਗਣ ਦੇ ਮਾਮਲੇ ਵਿੱਚ, ਉੱਚ ਉਪਜ ਵਾਲੇ ਕਾਰਪੋਰੇਟ ਬਾਂਡ ਫੰਡ ਉਸੇ ਮਿਆਦ ਵਿੱਚ ਐਫਡੀ ਨੂੰ ਮਾਤ ਦੇਣਗੇ।

ਕਰਜ਼ਾ ਮਿਉਚੁਅਲ ਫੰਡ ਅਤੇ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ 'ਤੇ ਟੈਕਸ

ਕਰਜ਼ਾ ਫੰਡਾਂ ਅਤੇ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਦੇ ਰਿਟਰਨ ਨੂੰ ਨਿਰਧਾਰਤ ਕਰਨ ਵਿੱਚ ਵੀ ਟੈਕਸ ਮਹੱਤਵਪੂਰਨ ਭੂਮਿਕਾ ਨਿਭਾਉਂਦਾ ਹੈ। ਆਮ ਤੌਰ 'ਤੇ, ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ 'ਤੇ ਟੈਕਸ 33% (ਟੈਕਸ ਦੀ ਮਾਮੂਲੀ ਦਰ) ਹੁੰਦਾ ਹੈ ਜਦੋਂ ਕਿ ਰਿਣ ਫੰਡਾਂ 'ਤੇ ਜੇਕਰ ਕੋਈ 3-ਸਾਲ ਤੋਂ ਘੱਟ ਦੇ ਦ੍ਰਿਸ਼ਟੀਕੋਣ ਨਾਲ ਨਿਵੇਸ਼ ਕਰਦਾ ਹੈ ਤਾਂ ਡੀਡੀਟੀ (ਲਾਭਅੰਸ਼ ਵੰਡ ਟੈਕਸ) ਦੀ ਕਟੌਤੀ ਕਰਨ ਲਈ ਲਾਭਅੰਸ਼ ਵੰਡ ਟੈਕਸ ਲਗਾਉਣਾ ਇੱਕ ਬਿਹਤਰ ਵਿਕਲਪ ਹੋਵੇਗਾ। ਲਗਭਗ 25% (+ਸਰਚਾਰਜ ਆਦਿ) 'ਤੇ। ਇਹ ਦਰਸਾਉਂਦਾ ਹੈ ਕਿ ਰਿਣ ਮਿਉਚੁਅਲ ਫੰਡਾਂ 'ਤੇ ਟੈਕਸ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਦੇ ਮੁਕਾਬਲੇ ਮੁਕਾਬਲਤਨ ਘੱਟ ਹੈ।

ਕਰਜ਼ੇ ਦੇ ਫੰਡਾਂ ਨਾਲ ਆਉਣ ਵਾਲੇ ਵਾਧੂ ਲਾਭ ਹਨ:

ਤਰਲਤਾ: ਤੋਂ 1-2 ਦਿਨਾਂ ਦੇ ਅੰਦਰ ਪੈਸੇ ਉਪਲਬਧ ਹੋਣਗੇਛੁਟਕਾਰਾ
ਪੇਸ਼ੇਵਰ ਪ੍ਰਬੰਧਨ: ਗਤੀਸ਼ੀਲ ਤੌਰ 'ਤੇ ਰਣਨੀਤੀ ਨੂੰ ਬਦਲਣ ਅਤੇ ਬਾਜ਼ਾਰਾਂ ਦਾ ਫਾਇਦਾ ਲੈਣ ਦੀ ਯੋਗਤਾ
ਅਚਨਚੇਤੀ ਕਢਵਾਉਣ ਦਾ ਕੋਈ ਜੁਰਮਾਨਾ ਨਹੀਂ।

ਸੰਪੇਕਸ਼ਤ:

ਪੈਰਾਮੀਟਰ	ਮਿਉਚੁਅਲ ਫੰਡ	ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ
ਰਿਟਰਨ ਦੀ ਦਰ	ਕੋਈ ਨਿਸ਼ਚਿਤ ਰਿਟਰਨ ਨਹੀਂ	ਸਥਿਰ ਰਿਟਰਨ
ਮਹਿੰਗਾਈ ਵਿਵਸਥਿਤ ਰਿਟਰਨ	ਉੱਚ ਮੁਦਰਾਸਫੀਤੀ ਐਡਜਸਟਡ ਰਿਟਰਨਾਂ ਦੀ ਸੰਭਾਵਨਾ	ਆਮ ਤੌਰ 'ਤੇ ਘੱਟ ਮਹਿੰਗਾਈ ਐਡਜਸਟਡ ਰਿਟਰਨ
ਜੋਖਮ	ਘੱਟ ਤੋਂ ਵੱਧ ਜੋਖਮ (ਫੰਡ 'ਤੇ ਨਿਰਭਰ ਕਰਦਾ ਹੈ	ਘੱਟ ਜੋਖਮ
ਤਰਲਤਾ	ਤਰਲ	ਤਰਲ
ਸਮੇਂ ਤੋਂ ਪਹਿਲਾਂ ਕਢਵਾਉਣਾ	ਐਗਜ਼ਿਟ ਲੋਡ/ਨੋ ਲੋਡ ਨਾਲ ਆਗਿਆ ਹੈ	ਜੁਰਮਾਨੇ ਦੇ ਨਾਲ ਇਜਾਜ਼ਤ ਦਿੱਤੀ ਗਈ
ਨਿਵੇਸ਼ ਦੀ ਲਾਗਤ	ਪ੍ਰਬੰਧਨ ਲਾਗਤ/ਖਰਚ ਅਨੁਪਾਤ	ਕੋਈ ਲਾਗਤ ਨਹੀਂ

ਚੋਟੀ ਦੇ 8 ਸਰਵੋਤਮ ਪ੍ਰਦਰਸ਼ਨ ਕਰਨ ਵਾਲੇ ਕਰਜ਼ੇ ਫੰਡ 2022

ਹੇਠਾਂ ਕਰਜ਼ਾ ਫੰਡਾਂ ਦੀ ਸੂਚੀ ਦਿੱਤੀ ਗਈ ਹੈ ਜਿਸ ਵਿੱਚ ਉੱਪਰ ਕੁੱਲ ਸੰਪਤੀਆਂ/ਏਯੂਐਮ ਹਨ1000 ਕਰੋੜ ਅਤੇ 3 ਸਾਲ ਮਿਸ਼ਰਿਤ (ਸੀ.ਏ.ਜੀ.ਆਰ) ਵਾਪਸੀ।

1. Aditya Birla Sun Life Credit Risk Fund

(Erstwhile Aditya Birla Sun Life Corporate Bond Fund)

The investment objective of the Scheme is to generate returns by predominantly investing in a portfolio of corporate debt securities with short to medium term maturities across the credit spectrum within the investment grade. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes’ objectives will be achieved.

Research Highlights for Aditya Birla Sun Life Credit Risk Fund

Bottom quartile AUM (₹1,600 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 11.24% (top quartile).
1M return: 0.25% (top quartile).
Sharpe: 1.89 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 8.03% (bottom quartile).
Modified duration: 1.96 yrs (top quartile).
Average maturity: 2.63 yrs (top quartile).
Exit load: 0-365 Days (1%),365 Days and above(NIL).
Top sector: Real Estate.
Top bond sector: Corporate.
Debt-heavy allocation (~82%).
High-quality debt (AAA/AA ~90%).
Largest holding SK Finance Limited (~5.6%).

Below is the key information for Aditya Birla Sun Life Credit Risk Fund

Aditya Birla Sun Life Credit Risk Fund Growth
Launch Date	17 Apr 15
NAV (30 Sep 26)	₹25.4459 ↑ 0.01 (0.04 %)
Net Assets (Cr)	₹1,600 on 31 Aug 26
Category	Debt - Credit Risk
AMC	Birla Sun Life Asset Management Co Ltd
Rating	Not Rated
Risk	Moderate
Expense Ratio	1.59
Sharpe Ratio	1.89
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	0-365 Days (1%),365 Days and above(NIL)
Yield to Maturity	8.03%
Effective Maturity	2 Years 7 Months 17 Days
Modified Duration	1 Year 11 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,637
30 Sep 23	₹11,382
30 Sep 24	₹12,434
30 Sep 25	₹14,417

Aditya Birla Sun Life Credit Risk Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹209,201.
Net Profit of ₹29,201 Invest Now

Returns for Aditya Birla Sun Life 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 30 Sep 26

Duration	Returns
1 Month	0.3%
3 Month	1.2%
6 Month	4.3%
1 Year	11.2%
3 Year	12.1%
5 Year	9.9%
10 Year
15 Year
Since launch	8.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	13.4%
2024	11.9%
2023	6.9%
2022	7.1%
2021	6.4%
2020	9.4%
2019	2.1%
2018	6.6%
2017	8.1%
2016	10.3%

Fund Manager information for Aditya Birla Sun Life Credit Risk Fund

Name	Since	Tenure
Sunaina Cunha	17 Apr 15	11.38 Yr.
Mohit Sharma	6 Aug 20	6.07 Yr.

Data below for Aditya Birla Sun Life Credit Risk Fund as on 31 Aug 26

Asset Allocation

Asset Class	Value
Cash	9.62%
Equity	7.54%
Debt	82.48%
Other	0.37%

Debt Sector Allocation

Sector	Value
Corporate	73.65%
Cash Equivalent	9.62%
Government	8.83%

Credit Quality

Rating	Value
A	9.58%
AA	61.16%
AAA	29.26%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
SK Finance Limited Debentures \| -	6%	₹91 Cr	9,300 ↑ 2,800
Eris Lifesciences Limited Debentures \| -	5%	₹74 Cr	7,400
Jubilant Bevco Limited Debentures \| -	4%	₹73 Cr	6,500
Jtpm Metal TRaders Limited Debentures \| -	4%	₹63 Cr	5,877 ↑ 500
Adani Airport Holdings Limited Debentures \| -	4%	₹59 Cr	6,000
GMR Airports Limited Debentures \| -	3%	₹55 Cr	5,200
Rec Limited Debentures \| -	3%	₹50 Cr	5,000
Small Industries Development Bank Of India Debentures \| -	3%	₹49 Cr	5,000
Tata Capital Housing Finance Limited Debentures \| -	3%	₹44 Cr	4,467
Hinduja Leyland Finance Limited Debentures \| -	2%	₹35 Cr	3,500

2. Aditya Birla Sun Life Medium Term Plan

The primary investment objective of the Scheme is to generate regular income through investments in debt & money market instruments in order to make regular dividend payments to unit holders & secondary objective is growth of capital.

Research Highlights for Aditya Birla Sun Life Medium Term Plan

Upper mid AUM (₹3,319 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 7.88% (top quartile).
1M return: 0.09% (lower mid).
Sharpe: 1.28 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 8.09% (bottom quartile).
Modified duration: 2.95 yrs (lower mid).
Average maturity: 4.36 yrs (lower mid).
Exit load: 0-365 Days (1%),365 Days and above(NIL).
Top sector: Real Estate.
Top bond sector: Corporate.
Debt-heavy allocation (~85%).
High-quality debt (AAA/AA ~90%).
Largest holding 6.94% Govt Stock 2036 (~10.9%).

Below is the key information for Aditya Birla Sun Life Medium Term Plan

Aditya Birla Sun Life Medium Term Plan Growth
Launch Date	25 Mar 09
NAV (30 Sep 26)	₹43.7653 ↑ 0.02 (0.04 %)
Net Assets (Cr)	₹3,319 on 31 Aug 26
Category	Debt - Medium term Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.55
Sharpe Ratio	1.28
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	0-365 Days (1%),365 Days and above(NIL)
Yield to Maturity	8.09%
Effective Maturity	4 Years 4 Months 10 Days
Modified Duration	2 Years 11 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹12,349
30 Sep 23	₹13,234
30 Sep 24	₹14,419
30 Sep 25	₹16,212

Aditya Birla Sun Life Medium Term Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹215,396.
Net Profit of ₹35,396 Invest Now

Returns for Aditya Birla Sun Life Medium 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 30 Sep 26

Duration	Returns
1 Month	0.1%
3 Month	0.6%
6 Month	3.6%
1 Year	7.9%
3 Year	9.7%
5 Year	11.8%
10 Year
15 Year
Since launch	8.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	10.9%
2024	10.5%
2023	6.9%
2022	24.8%
2021	7.1%
2020	8.1%
2019	-4.4%
2018	5.6%
2017	7%
2016	10.9%

Fund Manager information for Aditya Birla Sun Life Medium Term Plan

Name	Since	Tenure
Sunaina Cunha	1 Sep 14	12.01 Yr.
Mohit Sharma	6 Aug 20	6.07 Yr.

Data below for Aditya Birla Sun Life Medium Term Plan as on 31 Aug 26

Asset Allocation

Asset Class	Value
Cash	10.93%
Equity	4.07%
Debt	84.77%
Other	0.23%

Debt Sector Allocation

Sector	Value
Corporate	55.76%
Government	29.01%
Cash Equivalent	10.93%

Credit Quality

Rating	Value
A	9.91%
AA	40.96%
AAA	49.13%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.94% Govt Stock 2036 Sovereign Bonds \| -	11%	₹366 Cr	37,000,000 ↓ -6,000,000
Bajaj Housing Finance Limited Debentures \| -	4%	₹125 Cr	12,500 ↓ -2,500
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹124 Cr	12,500 ↑ 12,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹113 Cr	11,500
Hinduja Leyland Finance Limited Debentures \| -	3%	₹109 Cr	11,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	3%	₹103 Cr	10,500
Oxyzo Financial Services Limited Debentures \| -	3%	₹89 Cr	9,000
GMR Airports Limited Debentures \| -	3%	₹85 Cr	8,000
Jubilant Bevco Limited Debentures \| -	2%	₹83 Cr	7,400
Jtpm Metal TRaders Limited Debentures \| -	2%	₹83 Cr	7,673

3. ICICI Prudential Regular Savings Fund

The fund’s objective is to provide reasonable returns, by maintaining an optimum balance of safety, liquidity and yield, through investments in a basket of debt and money market instruments with a view to delivering consistent performance. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for ICICI Prudential Regular Savings Fund

Highest AUM (₹6,333 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.15% (upper mid).
1M return: 0.20% (upper mid).
Sharpe: 1.52 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 8.53% (upper mid).
Modified duration: 1.82 yrs (top quartile).
Average maturity: 2.68 yrs (upper mid).
Exit load: 0-1 Years (1%),1 Years and above(NIL).
Top sector: Real Estate.
Top bond sector: Corporate.
Debt-heavy allocation (~89%).
High-quality debt (AAA/AA ~92%).
Largest holding Jtpm Metal TRaders Limited (~4.3%).

Below is the key information for ICICI Prudential Regular Savings Fund

ICICI Prudential Regular Savings Fund Growth
Launch Date	3 Dec 10
NAV (30 Sep 26)	₹34.8624 ↑ 0.01 (0.04 %)
Net Assets (Cr)	₹6,333 on 31 Aug 26
Category	Debt - Credit Risk
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆
Risk	Moderate
Expense Ratio	1.43
Sharpe Ratio	1.52
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)
Yield to Maturity	8.53%
Effective Maturity	2 Years 8 Months 5 Days
Modified Duration	1 Year 9 Months 25 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,446
30 Sep 23	₹11,171
30 Sep 24	₹12,171
30 Sep 25	₹13,266

ICICI Prudential Regular Savings 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 ICICI Prudential Regular Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 26

Duration	Returns
1 Month	0.2%
3 Month	1.3%
6 Month	4.2%
1 Year	7.2%
3 Year	8.4%
5 Year	7.3%
10 Year
15 Year
Since launch	8.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	9.5%
2024	8.5%
2023	7.2%
2022	5.1%
2021	6.2%
2020	9.8%
2019	9.5%
2018	6.6%
2017	6.8%
2016	9.5%

Fund Manager information for ICICI Prudential Regular Savings Fund

Name	Since	Tenure
Manish Banthia	7 Nov 16	9.82 Yr.
Akhil Kakkar	22 Jan 24	2.61 Yr.

Data below for ICICI Prudential Regular Savings Fund as on 31 Aug 26

Asset Allocation

Asset Class	Value
Cash	1.22%
Equity	9.41%
Debt	89%
Other	0.37%

Debt Sector Allocation

Sector	Value
Corporate	67.04%
Government	21.96%
Cash Equivalent	1.22%

Credit Quality

Rating	Value
A	8.28%
AA	69.72%
AAA	22%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Jtpm Metal TRaders Limited Debentures \| -	4%	₹275 Cr	25,500 ↑ 2,500
Embassy Office Parks REIT (Real Estate) -, Since 30 Apr 25 \| 542602	3%	₹211 Cr	4,792,431 ↓ -1,321
Vedanta Aluminium Metal Limited Debentures \| -	3%	₹201 Cr	20,000
Adani Enterprises Limited Debentures \| -	3%	₹200 Cr	20,000
TRuhome Finance Limited Debentures \| -	3%	₹197 Cr	20,000
Bamboo Hotel And Global Centre (Delhi) Private Limited Debentures \| -	3%	₹186 Cr	18,500
Adani Power Limited Debentures \| -	3%	₹175 Cr	17,500
Nirma Limited Debentures \| -	2%	₹150 Cr	15,000
Aavas Financiers Limited Debentures \| -	2%	₹149 Cr	15,000
Hiranandani Financial Services Private Limited Debentures \| -	2%	₹149 Cr	15,000

4. Nippon India Credit Risk Fund

(Erstwhile Reliance Regular Savings Fund - Debt Plan)

The primary investment objective of this option is to generate optimal returns consistent with moderate level of risk. This income may be complemented by capital appreciation of the portfolio. Accordingly investments shall predominantly be made in Debt & Money Market Instruments.

Research Highlights for Nippon India Credit Risk Fund

Bottom quartile AUM (₹1,574 Cr).
Established history (21+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderate.
1Y return: 6.85% (lower mid).
1M return: 0.39% (top quartile).
Sharpe: 0.99 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 8.66% (top quartile).
Modified duration: 1.99 yrs (upper mid).
Average maturity: 2.37 yrs (top quartile).
Exit load: 0-12 Months (1%),12 Months and above(NIL).
Top bond sector: Corporate.
Debt-heavy allocation (~88%).
High-quality debt (AAA/AA ~81%).
Largest holding Triumph Composites Private Limited (~4.7%).

Below is the key information for Nippon India Credit Risk Fund

Nippon India Credit Risk Fund Growth
Launch Date	8 Jun 05
NAV (30 Sep 26)	₹38.1684 ↑ 0.03 (0.08 %)
Net Assets (Cr)	₹1,574 on 31 Aug 26
Category	Debt - Credit Risk
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Moderate
Expense Ratio	1.46
Sharpe Ratio	0.99
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity	8.66%
Effective Maturity	2 Years 4 Months 13 Days
Modified Duration	1 Year 11 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,356
30 Sep 23	₹11,165
30 Sep 24	₹12,066
30 Sep 25	₹13,173

Nippon India 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 Nippon 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 30 Sep 26

Duration	Returns
1 Month	0.4%
3 Month	1.2%
6 Month	3.9%
1 Year	6.8%
3 Year	8%
5 Year	7.1%
10 Year
15 Year
Since launch	6.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	8.9%
2024	8.3%
2023	7.9%
2022	3.9%
2021	13.5%
2020	-5.9%
2019	1.9%
2018	6.1%
2017	7%
2016	10%

Fund Manager information for Nippon India Credit Risk Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	8.28 Yr.
Sushil Budhia	1 Feb 20	6.59 Yr.
Amber Singhania	11 Mar 26	0.48 Yr.

Data below for Nippon India Credit Risk Fund as on 31 Aug 26

Asset Allocation

Asset Class	Value
Cash	12.2%
Debt	87.55%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	69.47%
Government	19.93%
Cash Equivalent	7.37%
Securitized	2.98%

Credit Quality

Rating	Value
A	18.79%
AA	43.68%
AAA	37.53%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Triumph Composites Private Limited Debentures \| -	5%	₹80 Cr	8,000 ↑ 500
Prospera Healthcorp Private Limited Debentures \| -	4%	₹65 Cr	6,500 ↑ 6,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹55 Cr	5,500
Adani Airport Holdings Limited Debentures \| -	3%	₹54 Cr	5,500
Delhi International Airport Limited Debentures \| -	3%	₹51 Cr	5,000
Samriddhi Trust** Unlisted bonds \| -	3%	₹51 Cr	39 ↑ 39
6.36% Govt Stock 2031 Sovereign Bonds \| -	3%	₹49 Cr	5,000,000 ↑ 5,000,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹49 Cr	5,000
HDFC Bank Ltd. Debentures \| -	3%	₹49 Cr	1,000
Muthoot Fincorp Limited Debentures \| -	3%	₹45 Cr	45,000

5. Kotak Medium Term Fund

The investment objective of the scheme is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments. There is no assurance or guarantee that the investment objective of the scheme will be achieved

Research Highlights for Kotak Medium Term Fund

Lower mid AUM (₹1,926 Cr).
Established history (12+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 5.56% (bottom quartile).
1M return: 0.00% (bottom quartile).
Sharpe: 0.48 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.37% (upper mid).
Modified duration: 2.99 yrs (lower mid).
Average maturity: 5.55 yrs (bottom quartile).
Exit load: 0-18 Months (2%),18 Months and above(NIL).
Top sector: Real Estate.
Top bond sector: Corporate.
Debt-heavy allocation (~85%).
High-quality debt (AAA/AA ~92%).
Largest holding Jtpm Metal TRaders Limited (~5.6%).

Below is the key information for Kotak Medium Term Fund

Kotak Medium Term Fund Growth
Launch Date	25 Mar 14
NAV (30 Sep 26)	₹24.4915 ↑ 0.01 (0.05 %)
Net Assets (Cr)	₹1,926 on 31 Aug 26
Category	Debt - Medium term Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.63
Sharpe Ratio	0.48
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-18 Months (2%),18 Months and above(NIL)
Yield to Maturity	8.37%
Effective Maturity	5 Years 6 Months 18 Days
Modified Duration	2 Years 11 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,231
30 Sep 23	₹10,806
30 Sep 24	₹11,866
30 Sep 25	₹12,847

Kotak Medium Term 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 Kotak Medium Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 26

Duration	Returns
1 Month	0%
3 Month	0.7%
6 Month	3.6%
1 Year	5.6%
3 Year	7.9%
5 Year	6.3%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	8.9%
2024	9%
2023	6.1%
2022	3.2%
2021	4.7%
2020	8.5%
2019	7%
2018	5.4%
2017	6.6%
2016	10.9%

Fund Manager information for Kotak Medium Term Fund

Name	Since	Tenure
Deepak Agrawal	25 Mar 14	12.45 Yr.
Vihag Mishra	1 Jun 25	1.25 Yr.

Data below for Kotak Medium Term Fund as on 31 Aug 26

Asset Allocation

Asset Class	Value
Cash	5.24%
Equity	9.76%
Debt	84.69%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	74.51%
Government	10.19%
Cash Equivalent	5.24%

Credit Quality

Rating	Value
A	8.22%
AA	57.11%
AAA	34.66%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Jtpm Metal TRaders Limited Debentures \| -	6%	₹108 Cr	10,000
L&T Metro Rail (Hyderabad) Limited Debentures \| -	5%	₹97 Cr	10,000
Bamboo Hotel And Global Centre (Delhi) Private Limited Debentures \| -	5%	₹90 Cr	9,000
Adani Power Limited Debentures \| -	5%	₹90 Cr	9,000
Embassy Office Parks REIT (Real Estate) -, Since 31 May 21 \| 542602	4%	₹79 Cr	1,788,346
360 One Prime Limited Debentures \| -	4%	₹75 Cr	7,500
Mas Financial Services Limited Debentures \| -	4%	₹74 Cr	7,500
TATA Steel Limited Debentures \| -	4%	₹74 Cr	750
Aditya Birla Renewables Limited Debentures \| -	3%	₹60 Cr	6,000
Aditya Birla Real Estate Limited Debentures \| -	3%	₹55 Cr	5,500

6. 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

Upper mid AUM (₹2,186 Cr).
Oldest track record among peers (22 yrs).
Rating: 4★ (top quartile).
Risk profile: Moderate.
1Y return: 7.31% (upper mid).
1M return: 0.20% (upper mid).
Sharpe: 1.34 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.55% (top quartile).
Modified duration: 2.13 yrs (upper mid).
Average maturity: 2.80 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 (~82%).
High-quality debt (AAA/AA ~89%).
Largest holding H.G. Infra Engineering Limited (~4.6%).

Below is the key information for SBI Credit Risk Fund

SBI Credit Risk Fund Growth
Launch Date	19 Jul 04
NAV (30 Sep 26)	₹49.7873 ↑ 0.03 (0.07 %)
Net Assets (Cr)	₹2,186 on 31 Aug 26
Category	Debt - Credit Risk
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.55
Sharpe Ratio	1.34
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	8.55%
Effective Maturity	2 Years 9 Months 18 Days
Modified Duration	2 Years 1 Month 17 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,343
30 Sep 23	₹11,197
30 Sep 24	₹12,078
30 Sep 25	₹13,072

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 30 Sep 26

Duration	Returns
1 Month	0.2%
3 Month	1.4%
6 Month	4.4%
1 Year	7.3%
3 Year	7.8%
5 Year	7%
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	9.59 Yr.
Prashanth Sridhar	1 Jul 26	0.17 Yr.

Data below for SBI Credit Risk Fund as on 31 Aug 26

Asset Allocation

Asset Class	Value
Cash	8.12%
Equity	6.04%
Debt	82.28%
Other	3.57%

Debt Sector Allocation

Sector	Value
Corporate	71.19%
Government	11.08%
Cash Equivalent	8.12%

Credit Quality

Rating	Value
A	11.07%
AA	67.56%
AAA	21.37%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
H.G. Infra Engineering Limited Debentures \| -	5%	₹102 Cr	10,000
Renew Solar Energy (Jharkhand Five) Private Limited Debentures \| -	5%	₹100 Cr	11,000
Nj Capital Private Limited Debentures \| -	5%	₹99 Cr	10,000
TATA Projects Limited Debentures \| -	5%	₹99 Cr	10,000
Jtpm Metal TRaders Limited Debentures \| -	4%	₹97 Cr	9,000
Lodha Developers Limited Debentures \| -	4%	₹86 Cr	10,000
Renserv Global Private Limited Debentures \| -	4%	₹80 Cr	8,000
Jsw Jfe Kalinga Steel Limited Debentures \| -	4%	₹78 Cr	7,500
Aditya Birla Renewables Limited Debentures \| -	3%	₹75 Cr	7,500
Motilal Oswal Home Finance Limited Debentures \| -	3%	₹75 Cr	7,500

7. ICICI Prudential Medium Term Bond Fund

(Erstwhile ICICI Prudential Corporate Bond Fund)

To generate income through investments in a range of debt 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 Medium Term Bond Fund

Top quartile AUM (₹5,419 Cr).
Established history (22+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderate.
1Y return: 6.28% (lower mid).
1M return: 0.06% (lower mid).
Sharpe: 0.84 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.29% (lower mid).
Modified duration: 3.03 yrs (bottom quartile).
Average maturity: 5.83 yrs (bottom quartile).
Exit load: 0-1 Years (1%),1 Years and above(NIL).
Top sector: Real Estate.
Top bond sector: Corporate.
Debt-heavy allocation (~89%).
High-quality debt (AAA/AA ~100%).
Largest holding Embassy Office Parks REIT (~3.7%).

Below is the key information for ICICI Prudential Medium Term Bond Fund

ICICI Prudential Medium Term Bond Fund Growth
Launch Date	15 Sep 04
NAV (30 Sep 26)	₹48.5861 ↑ 0.02 (0.04 %)
Net Assets (Cr)	₹5,419 on 31 Aug 26
Category	Debt - Medium term Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆
Risk	Moderate
Expense Ratio	1.37
Sharpe Ratio	0.84
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	8.29%
Effective Maturity	5 Years 9 Months 29 Days
Modified Duration	3 Years 11 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,324
30 Sep 23	₹11,040
30 Sep 24	₹11,937
30 Sep 25	₹12,981

ICICI Prudential Medium Term Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for ICICI Prudential Medium Term 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 30 Sep 26

Duration	Returns
1 Month	0.1%
3 Month	0.8%
6 Month	3.9%
1 Year	6.3%
3 Year	7.7%
5 Year	6.6%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	9%
2024	8%
2023	7%
2022	4.2%
2021	5.5%
2020	10.4%
2019	9.2%
2018	5.1%
2017	6.5%
2016	10.2%

Fund Manager information for ICICI Prudential Medium Term Bond Fund

Name	Since	Tenure
Manish Banthia	7 Nov 16	9.82 Yr.
Akhil Kakkar	22 Jan 24	2.61 Yr.

Data below for ICICI Prudential Medium Term Bond Fund as on 31 Aug 26

Asset Allocation

Asset Class	Value
Cash	1.26%
Equity	9.36%
Debt	89.02%
Other	0.36%

Debt Sector Allocation

Sector	Value
Corporate	65.71%
Government	23.31%
Cash Equivalent	1.26%

Credit Quality

Rating	Value
AA	68.75%
AAA	31.25%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Embassy Office Parks REIT (Real Estate) -, Since 30 Apr 25 \| 542602	4%	₹197 Cr	4,474,126 ↓ -1,320
Adani Enterprises Limited Debentures \| -	3%	₹175 Cr	17,500
Vedanta Aluminium Metal Limited Debentures \| -	3%	₹171 Cr	17,000
6.9% Govt Stock 2065 Sovereign Bonds \| -	3%	₹170 Cr	18,979,000
Jtpm Metal TRaders Limited Debentures \| -	3%	₹162 Cr	15,000
TATA Projects Limited Debentures \| -	3%	₹150 Cr	15,000
Oberoi Realty Limited Debentures \| -	3%	₹149 Cr	15,000
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	3%	₹149 Cr	150
7.34% Govt Stock 2064 Sovereign Bonds \| -	3%	₹141 Cr	14,822,500
Adani Power Limited Debentures \| -	2%	₹125 Cr	12,500

8. Axis Strategic Bond Fund

(Erstwhile Axis Income Fund)

To generate optimal returns in the medium term while maintaining liquidity of the portfolio by investing in debt and money market instruments.

Research Highlights for Axis Strategic Bond Fund

Lower mid AUM (₹2,112 Cr).
Established history (14+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 5.82% (bottom quartile).
1M return: 0.05% (bottom quartile).
Sharpe: 0.46 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.18% (lower mid).
Modified duration: 3.25 yrs (bottom quartile).
Average maturity: 4.67 yrs (lower mid).
Exit load: 0-12 Months (1%),12 Months and above(NIL).
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~94%).
High-quality debt (AAA/AA ~92%).
Largest holding 6.94% Govt Stock 2036 (~8.4%).

Below is the key information for Axis Strategic Bond Fund

Axis Strategic Bond Fund Growth
Launch Date	28 Mar 12
NAV (30 Sep 26)	₹30.1162 ↑ 0.03 (0.08 %)
Net Assets (Cr)	₹2,112 on 31 Aug 26
Category	Debt - Medium term Bond
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.32
Sharpe Ratio	0.46
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	8.18%
Effective Maturity	4 Years 8 Months 1 Day
Modified Duration	3 Years 3 Months

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,302
30 Sep 23	₹11,027
30 Sep 24	₹12,003
30 Sep 25	₹12,994

Axis Strategic 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 Axis Strategic 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 30 Sep 26

Duration	Returns
1 Month	0.1%
3 Month	0.6%
6 Month	3.5%
1 Year	5.8%
3 Year	7.6%
5 Year	6.6%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	8.2%
2024	8.7%
2023	7.3%
2022	3.8%
2021	5.2%
2020	10.5%
2019	7.1%
2018	6.7%
2017	7.5%
2016	11.6%

Fund Manager information for Axis Strategic Bond Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	13.83 Yr.
Sachin Jain	1 Feb 23	3.58 Yr.
Akhil Thakker	1 Feb 23	3.58 Yr.

Data below for Axis Strategic Bond Fund as on 31 Aug 26

Asset Allocation

Asset Class	Value
Cash	2.55%
Equity	3.48%
Debt	93.67%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	71.52%
Government	22.15%
Cash Equivalent	2.55%

Credit Quality

Rating	Value
A	7.59%
AA	55.74%
AAA	36.67%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.94% Govt Stock 2036 Sovereign Bonds \| -	8%	₹176 Cr	17,750,000 ↓ -5,500,000
Jubilant Beverages Limited Debentures \| -	3%	₹73 Cr	6,500
GMR Hyderabad International Airport Ltd Debentures \| -	3%	₹66 Cr	6,500
Tamilnadu State Development Loans Sovereign Bonds \| -	3%	₹62 Cr	6,358,600
Jubilant Bevco Limited Debentures \| -	3%	₹62 Cr	5,500
Vedanta Aluminium Metal Limited Debentures \| -	3%	₹60 Cr	6,000
Adani Power Limited Debentures \| -	3%	₹60 Cr	6,000
Delhi International Airport Limited Debentures \| -	3%	₹56 Cr	5,500
Aditya Birla Digital Fashion Ventures Limited Debentures \| -	3%	₹55 Cr	5,500
Hiranandani Financial Services Private Limited Debentures \| -	2%	₹52 Cr	5,200

Disclaimer:
ਇਹ ਯਕੀਨੀ ਬਣਾਉਣ ਲਈ ਸਾਰੇ ਯਤਨ ਕੀਤੇ ਗਏ ਹਨ ਕਿ ਇੱਥੇ ਦਿੱਤੀ ਗਈ ਜਾਣਕਾਰੀ ਸਹੀ ਹੈ। ਹਾਲਾਂਕਿ, ਡੇਟਾ ਦੀ ਸ਼ੁੱਧਤਾ ਬਾਰੇ ਕੋਈ ਗਾਰੰਟੀ ਨਹੀਂ ਦਿੱਤੀ ਗਈ ਹੈ। ਕਿਰਪਾ ਕਰਕੇ ਕੋਈ ਵੀ ਨਿਵੇਸ਼ ਕਰਨ ਤੋਂ ਪਹਿਲਾਂ ਸਕੀਮ ਜਾਣਕਾਰੀ ਦਸਤਾਵੇਜ਼ ਨਾਲ ਤਸਦੀਕ ਕਰੋ।